ANSONIA-MILFORD J.D. SMALL CLAIMS SESSION
`AT MILFORD
`
`Our File No.
`
`eT
`
`000006312110
`1434778
`
`-against-
`
`BEVINE MAITLAND
`
`Plaintiff,
`
`Defendant.
`
`Index No.
`
`COVER SHEET
`TO BE ATTACHED
`AFFIDAVIT OF MERIT
`
`

`

`1434778
`
`STATE OF CONNECTICUT
`
`AFFIDAVIT OF Kaelyn Kowalik
`
`UHG IL LLC,
`
`Plaintiff
`
`~VS-
`
`BEVINE MAITLAND,
`
`Defendant(s).
`
`Kaelyn Kowalik, whose business address is 6400 Sheridan Drive, Suite 138 Williamsville,
`
`NY 14221, certifies and says:
`
`i,
`
`Iam employed as an Account Administrator and have access to pertinent records for
`
`UHG [ LLC. ("Plaintiff). lam a competent person over eighteen years of age, and make the
`
`statements herein based upon personal knowledge of those account records maintained by
`
`Plaintiff. Plaintiff is the current owner of, and/or successorto, the obligation sued upon, and
`
`wasassigned all the rights, title and interest to Defendant's SYNCHRONY BANK account
`
`ending in ************6534 (hereinafter “the account").
`
`2.
`
`I have access to and have reviewed the electronic records pertaining to the account
`
`maintained by Plaintiff and am authorized to makethis affidavit on Plaintiffs behalf. The
`
`electronic records reviewed consist of data acquired from the seller or assignor when Plaintiff
`
`purchased or was assigned the account, together with records generated by Plaintiff in
`
`connection with servicing the account since the date Plaintiff purchased or was assigned the
`
`account. In addition, I reviewed the documents that are attached to this affidavit.
`
`3.
`
`Iam familiar with and trained on the manner and method by which Plaintiff creates and
`
`maintains its business records pertaining to the Account. The records are kept in the regular
`
`course of business. It was in the regular course of business for a person with knowledge of the
`
`act or event recorded to make the record or data compilation, or for a person with knowledge to
`
`transmit information thereof to be included in such record. In the regular course of business, the
`
`record or compilation is made at or near the time of the act or event by Plaintiff as a regular
`
`practice.
`
`

`

`4.
`
`Plaintiff's records show that the account was charged-off on June 30, 2020 with a balance of
`
`$3,653.37. On or about August 27, 2020, Plaintiff purchased or was assigned the account. As of the
`
`date ofthis affidavit, Plaintiff's records show that the balance of $3,653.37 remains due and owing
`
`and nointerest has been assessed to the account. Therefore, Plaintiff seeks the amount of $3,653.37
`
`from Defendant. All credits and offsets for payments have been applied to the balance.
`
`5.
`
`Plaintiff's records state that this action is based upon a credit agreemententered into
`
`between Defendant(s) and the original credit grantor. Plaintiff's records further state that
`
`Defendant(s) used or authorized the use of the credit account but failed to make the payments due
`
`pursuant to the agreement.
`
`6.
`
`Based upon my reviewof Plaintiff's business records: 1) Defendant(s) opened the
`
`SYNCHRONY BANK account on July 27, 2017; 2) the last payment posted to the account on
`
`November 27, 2019; and 3) the account was charged off on June 30, 2020.
`
`7.
`
`The complete chain oftitle including SYNCHRONY BANK,the original creditor,
`
`and ali post charge-off purchasers/assignees of the debtare as follows:
`
`1.
`
`SYNCHRONY BANK
`
`2. UHGILLC
`
`8. Attached hereto are the following records regarding the account and/or payments
`
`received:
`
`A.
`
`B.
`
`Statement(s) (including statement(s) reflecting the charge-off balance, and
`
`recording the last purchase transaction, service billed, payment, or balance
`
`transfer) and an additional statement sent to Defendant(s) while the account
`
`was active, which shows the Defendant's name and address
`Bill(s) of Sale, Assignment(s) and/or Affidavit(s) of Sale
`Seller/Assignor data sheet reflecting the individual account information
`
`provided bythe seller or assignor pursuant to the Bill{s) of Sale,
`
`Assignment(s) and/or Affidavit(s) of Sale in connection with the sale or
`
`assignmentof the accountto Plaintiff
`
`9.
`
`The accuracy of such documentsis relied upon by Plaintiff in collecting this account.
`
`These records are trustworthy and relied upon because the original creditor was required to
`
`

`

`keep careful records of the accountat issue in this case as required by law and/or suffer
`
`businessloss.
`
`10.
`
`The documents attached hereto are true and correct copies of the originals, being a
`
`reproduction ofPlaintiff's records, based upon my review,except to the extent that confidential and
`
`privileged information and/orpersonalidentifying information is omitted or redacted as required by
`
`local rules, and applicable state and federal law.
`
`Ll.
`
`Plaintiff acquired and incorporated accountrecordsinto its permanent business records as a
`
`result of its purchase or assignment of the account. These records are kept in Plaintiff's regular
`
`course of business and, along with the electronic records provided at the time of purchase or
`
`assignment, are Plaintiff's primary source of business records for this account.
`
`12.
`
`If called to testify as a witness thereon, [ could and would competently testify as to all the
`
`facts stated herein.
`
`[This space intentionally left blank]
`
`DATEBeSD
`
`State of NY
`
`Kaelyn Kowalik
`
`County of Erie
`
`Signed and sworn to (or affirmed) before me on
`
`
`
` CHRISTINA SALOIS
`NOTARY PUBLIC, STATE OF NEW YORK
`Registration No. 01SA6365473
`Qualified in Erle County
`
`Commission Expires October 10th 2025
`
`
`
`
`
`
`

`

`View your account onlingaypal.com
`Statement Closing Date: 06/02/20
`Or call 1-844-377-4136 6 AM ET to 11 PM ET
`Days in Billing Period: 32
`
`
`
`Account Number. [xy 6534 and9AM ETi 9 PM ET Sat-s
`
`Customer Name: BEVINE MAITLAND
`Mon-Fri
`and
`9
`too
`P
`at -Sun
`
`PAYMENT INFORMATION
`ACCOUNT SUMMARY
`
`$3,653.37
`Previous Balance
`New Balance
`$3,582.27
`$726.00
`- Payments & Credits
`$0.00
`Amount Past Due
`$833.00
`+ Purchases & Adjustments
`$0.00
`Minimum Payment Que
`
`
`+ Fees $0.00||Payment Ous Date 06/27/20
`
`+ INTEREST CHARGES $71.10||Amount to avold Standard and Deferred interest
`= New Salance
`$3,653.37
`on your next statement:
`$3,653.37
`See Reverse
`Credit Limit
`$3,650.00
`Available Credit
`OVERLIMIT
`
`Late Payment Warning:if wo do not receive your minimum payment
`by 06/27/20, you may have to pay a lale fee of up to $39.00,
`Minimum Payment Warning: {f you make only the minimum
`payment each pariod, you will pay more in interest and it will
`take you longer to pay off your balance. For example:
`
`And you will end up paying
`if you make no more Youwill pay off the
`
`chargea using this=balance shown on this an estimated total of:
`account and each
`statement in about:
`
` month you pay:
`
`44 Years
`
`Only the minimum
`Payment
`if you would like information about credit counseling services,call
`1-877-302-8775.
`
`CURRENTACTIVITY
`INTEREST CHARGED
`Tran Date
`Posting Date Oescription
`06/02/20 06/02/20 Interest Charge on Purchases
`
`2020 Totaie Yoar-To-Date
`Total Fees Charged in 2020: $1BGt@D Interest Charged in 2020: $391.21
`
`Total interest
`
`Amount
`$71.10
`$71.10
`
`IMPORTANT ACCOUNT INFORMATION
`YOUR ACCOUNT (S PAST DUE. PLEASE PAY THE MINIMUM PAYMENT DUE OR
`CONTACTTHIS OFFICE AT THE PRONE NUMSER LISTED ON YOUR STATEMENT.
`
`_
`
`INTEREST DETAILS
`
`INTEREST CHARGE CALCULATION
`Balance Type
`
`Standard Purchases
`Balance Prior To Terma Change
`{v}=Variable Rate
`
`Your Annual Percentage Rate (APR}s the ennuat interest rai on your secount
`Annual Percentage
`Balance Subject to
`Interest Charged
`Current Balance
`Rate(APR)
`interost Rate
`23.89% (v)
`$2,374.64
`49.90%
`$1,267.63
`
`$2,424.56
`$1,226.79
`
`$49.94
`$21.16
`
`NOTICE: We may convert your paymentinto an electronic dabil Sea reverse for dalaits, Billing Rights information and other imponant information
`6228
`ABI
`oak
`7
`2
`200602 9
`ERPAGE } cf 3
`10 9283
`2300
`PSVA O1DR6128
`
`Datach and mail this portion with your check. Do not indude any correspondence with your check,
`
`Account Number:
`6534
`New Balance:
`$3,653.37
`Payment Due Date:
`06/27/20
`Mintmum Payment Dug:
`$833.00
`:
`Amount Enclosed:
`
`Make Check PaydiaPaio Credit
`Return this portion with your payment.
`Write your account number on your check.
`To receive electronic statements or make
`online paymernaypabicom
`
`PAYPAL CREOIT/SYNCB
`PO BOX 960006
`ORLANDO, FL 32896-0006
`
`BEVINE MAITLAND
`36 CORTLAND PL
`ANSONIA CT 06401-3345
`
`

`

`06/02/20
`
`View your account onlingaypal.com
`Statement Closing Date:
`Or call 1-844-377-4136 8 AM ET to 11 PM ET
`Days in Billing Period: 32
`Account Number: [EEEaaaem 6534
`Mon-Fri and 9 AM ET to 9 PM ET Sat-Sun
`Customer Name: BEVINE MAITLAND
`
`ACCOUNTHOLDER NOTICES
`Weare here to support you and are working hard fo ensure our Synchrony taam members can continue to provide you with
`uninterrupted, depandable sarvice. We encourage you to use our online and mobile sarvicing tools.
`
`As COVIO-19 and ils Impact continue te evolve and develap, we remain focused on the heatth and safety of our employees and our
`communities, as wall as our commitmentto you, our customers.
`
`Weare aiso aware that some of our customers may experiance financial hardship as a result of COVID-19. you are impacted, please
`contact us to discuss how we can help.
`This is a duplicate courtesy copy of your most recentbilling statement. You canstill view and pay your electronic statementonline.
`You can pay yourbill online or over the phone. We noticad you've been enjoying our easy paperless paymentoptions, so we will no
`longerbe including return envelopes. You can makethings even easier by selecting the paperless statement option on your account
`ontins.
`
`6328
`
`ABS
`
`O61
`
`7
`
`2
`
`209602 ©
`
`EXPAGE 2 of 3
`
`20 9263
`
`2100
`
`BSVA o1DpREIZE
`
`

`

`G128
`
`ag
`
`oor
`
`7
`
`2
`
`200602 0
`
`EX PAGE 3} of
`
`3
`
`LO 9283
`
`2100
`
`SSVA OLDREE2a
`
`

`

`Statement Closing Date: 11/0118
`
`
`Days in Billing Period: | 30
`Account Number.
`[Bagigaaas
`m 6534
`Customer Name: BEVINEMAITLAND
`ACCOUNT SUMMARY
`Previous Balance
`Payments & Credits
`Purchases & Adjustments
`Fees
`INTEREST CHARGES
`New Balance
`
`OVERLIMIT
`
`Credit Lirnit
`Available Credit
`
`$3,050.00
`
`View your account onlinpaypal.com
`Or call 1-844-373-4961 8 AM ET to 11 PM ET
`Mon-Fri and 9 AM ET to 9 PM ET Sat-Sun
`PAYMENT INFORMATION
`
`$2,958.92
`New Balance
`$65.00
`Minimum Payment Due
`$49.10
`Payment Dua Date
`$0.00
`Amountto avoid Standard and Deferred interest
`$199.60
`on your next statement:
`See Reverse
`$3,142.82
`
`$3,142.62
`$88.00
`MRIAS
`
`$3,142.82
`
`15 Years
`
`Late Payment Warning: i we do not receive your minimum payment
`by 11/27/19, you may have to paya tate fee of up to $39.00,
`Minimum Payment Warning: If you make only the minimum
`payment each pariod, you will pay moreIn intarast and it will
`take you longer to pay off your balance. For exampie:
`
`And you will end up paying
`Youwill pay off the
`ff you make no more
`charges using this=balance shown on this an estimated total of:
`account end each
`statemant in about:
`month you pay:
`Only the minimurn
`Payrnent
`$123.00
`
`3 Years
`
`$4,419.00
`(Savings = $3,950.00)
`if you would like Information about credit counseling services,call
`1-877-302-8775.
`
`CURRENTACTIVITY
`PAYMENTS & CREDITS
`Amount
`Description
`Tran Date
`Posting Date Reference Number
`
`arentreenneennineteenenone
`10/27/19
`10/27/19 Fe283009COOCHGODA
`Automatic Payment
`-$65.00
`- Thank You
`Total Payments & Cradits
`$65.00
`
`PURCHASES & ADJUSTMENTS
`
`raneOanareerentintentsOHOUAETran Date AmountetneaterPosting Date Referance Number Type Description
`
`
`
`
`
`16/03/19 10/03/19 P928300BMEHME97L2
`Standard LINKEDIN
`$31.89
`10/26/13 10/26/19 P92eseosQeHMEXzPv
`=Standard HSN INTERACTIVE LLC
`$7.22
`
`10/26/19 10/26/19 Ppozajqu9nEHMEXZR3«=Standard HSN INTERACTIVE LLC $10.60
`Yotat Purchases & Adjustments
`$49.30
`
`INTEREST CHARGED
`
`Amount
`Tran Date
`Posting Date Description
`11/01/19 11/01/19 Interest Charge on Purchasesaa219980
`
`Total interest
`$199.86
`
` 2018 Totais Year-To-Date
`Total Fees Charged in 2019: $0T@al Interest Charged in 2019: $529.18
`
`NOTICE: We may convert your payment into en electronic debit. See reverse for details, Biling Rights information and ciher importantinformation
`613s
`ABD
`col 72 191101 O
`OPAGE 1 of
`3
`10 9263
`2200
`PSVA O1DR6128
`
`Make Check Paydtaj@aio Credit
`Return this portion with your payment.
`Write your account number on your check.
`To receive electronic statements or make
`online paymeraypabicom
`
`Account Number:
`New Balance:
`Payment Oua Date:
`Minimum Payment Que:
`.
`Amount Enclosed:
`
`6534
`
`Seeeeiig
`
`$3,142.82
`1127145
`$68.00
`
`PAYPAL CREDIT/SYNCB
`PO BOX 960006
`ORLANDO, FL 32896-0006
`
`BEVINE MAITLAND
`36 CORTLAND PL
`ANSONYA CT 06401-3345
`
`

`

`Statement Closing Date:
`Days in Billing Period: 30
`£6534
`Account Number.
`Ba
`
`Customer Name: BEVINE MAITLAND
`
`11/04/19
`
`View your account onlingaypal.com
`Or call 1-844-373-4961 8 AM ET to 11 PM ET
`Mon-Fri and 9 AM ET to 9 PM ET Sat-Sun
`
`IMPORTANT ACCOUNT INFORMATION
`$88.00 WILL BE DEDUCTED FROM YOUR BANK ACCOUNT AND CREDITED
`AS YOUR RECURRING PAYMENTON 11/27/19. THE RECURRING
`PAYMENT AMOUNT MAY BE REDUCED BY PAYMENTS, CREDITS AND/OR
`RETURNS POSTED ON OR BEFORETHIS DATE.
`
`INTEREST DETAILS
`
`INTEREST CHARGE CALCULATION
`Your Annual Percentage Rate {APR]s the annus! interes! rats on your account.
`Balance Type
`Annual Percentage
`Batence Subjectto
`interest Charged
`Current Balance
`
`Rate(APR)
`interest Kate
`Standard Purchases
`25.74% (v)
`584473
`$17.88
`Se75. 87
`Balance Prior To Terms Change
`19.99%
`$1,130.40
`$18.57
`$1,148.97
`No Interest If Paid In Full
`25.74% (w)
`$1,006.69
`$163.35
`$1,118.04
`(v}=Variable Rate
`
`
`ACCOUNTHOLDER NOTICES
`Promotional Purchases:Nointerest if Paid in Full in 6 Months Information
`Certain purchases may qualify for a No Interest # Paid in Full In 6 Months promotion. Underthis promotion, é the promotional balance is
`not paid in full by the Expiration Date,interest will be imposed from the purchase dats at a rate of 25.74%.Ifa (v) is shown after your
`APRin the Interest Details section ofthis billing statement, the APRis a variable rate and will vary with the market based on the Prime
`Rate. Minimum monthly payments are required.
`Synchrony Bank may continue to obtain information, including employment and income information from others about you (including
`requesting reports from consumer reporting agencies and other sourcas) to review, maintain or collect your account,
`
`e128
`
`ABT
`
`aor
`
`7
`
`2 wsiie,
`
`oO
`
`OPACE 2 of 3
`
`10 92782
`
`2100
`
`POVA oIDRELIe
`
`

`

`G128
`
`RBI
`
`gad 72 LS1ISGk
`
`O
`
`OPAGE 3 of
`
`3}
`
`YC 9263
`
`2100
`
`SSVA OC1DRE128
`
`

`

`PayPal Credit
`[RT38058B]
`Post-Servicing T&C-PLCC
`ORG Converted Accounts
`04/01/2001 - 06/07/2019
`
`SYNCHRONY BANK
`
`SECTION I: RATES AND FEES TABLE
`PAYPAL CREDIT ACCOUNT AGREEMENT
`Information from Section | of the PayPal Credit Important Disclosures is provided in the accompanying Pricing Information Addendum.
`
`SECTION H: RATES, FEES AND PAYMENT INFORMATION
`PAYPAL CREDIT ACCOUNT AGREEMENT
`
`
`
`See the accompanying Pricing Information Addendum for the amountofthis fee.
`
`Penalty Fees
`
`See the accompanying Pricing Information Addendum for the amountof this fee
`
`How We Will Caiculate
`Your Balance
`
`The Lender uses a method called ‘average daily balance (including new Purchases and Cash Advances).” Sea the
`Account Agreement for more details.
`
`Billing Rights
`Amendment of the
`Terms and Conditions
`
`imprtant Information
`Pp
`about Proceduresfor
`Opening a New Account
`
`Information on yourrights to dispute transactions and how to exercise thoserightsis provided in the Account Agreement.
`The Lender may amend the Terms and Conditions, including any of the terms stated above, from time to time,in
`accordance with Section 13 of the Account Agreement “Amendment of This Agreement.”
`
`To help the government fight the funding of terrorism and money laundering activities, Federal taw requires all financial
`institutions to obtain, verify, and record information that identifies each person who opens an account. What this
`means for you: When you open an account, the Lender will obtain your name, address, date of birth, and other
`information that will allow the Lender to identify you. The Lender mayverify this information with you and others. The
`Lender may also request to see your drivar's licanse or other identifying documents.
`
`asked to tell us why you are calling, say “Military Lending Act.”
`
`MILITARY LENDINGACT.DISCLOSURE
`:
`Federal aw provides importantprotections to membersof the Armed Forces and their dependents relating to extensions
`important Disclosure for
`of consumer credit. in general, the cost of consumer credit to a member of the Armed Forcesand his or her dapendent
`Members of the Armed
`may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction
`Forces and Their
`or account: The costs associated with credit insurance premiums; tees for ancillary products sold in connection with
`Dependents
`the credit transaction: any application fee charged (other than certain application fees for specified credit transactions
`or accounts); and any participation fea charged (other than certain participation fees for a credit card account). None of
`these types of costs or fees apply to your PayPal Credit Account. Your APRis reflected in the disclosures above.if you
`would fike to listen to this and other applicable disclosures, please call 1-855-367-4541, follow the prompts and when
`
`PayPal Credit Account Agreement
`THIS AGREEMENT REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, WITH LIMITED EXCEPTIONS, RATHER
`THAN JURY TRIALS OR CLASS ACTIONS, AND LIMITS THE REMEDIES AVAILABLE TO YOU IN THE EVENT OF A DISPUTE.
`IF YOU ARE COVERED BY THE PROTECTIONS OF THE MILITARY LENDING ACT, THE AGREEMENT TO ARBITRATE DOES NOT APPLY TO You.
`
`This Agreement sets forth the terms and conditions of the PayPal Credit account (“Account’) and the extensions of credit made by Synchrony Bank
`(the “Lender’). Please read this Agreement and keep a copy.
`
`1. DEFINITIONS:
`GUROUoe cisenachoatcaLS
`
`
`
`
`
`
`
`
`
`Billi Me Later, Inc.
`
`PayPal, Inc.
`
`
`
`
`
`
`
`Located in Timonium, Marland, developed PayPal Credand provides services for the Lender, such as processing
`transactions, keeping records, sending billing statements, and providing customer service. Bill Me Later, Inc. may also
`receive payments and perform collection activities on behalf of the Lender.
`Located in San Jose, California, is a payment service provider that consumers and merchants use to make payments
`to and accept payments from third parties.
`
`

`

`
`
`
`
`
`
`The PayPal Credit open-end (revolving) accountthatis the subject of this Agreement.
`
`Agreement
`
`this PayPal Credit Account Agreement, and any amendment or
`
`The Payment Due Date on the biling statement that includes the final Monthly Pian Payment on an Easy Payments Purchase.
`
`
`
`
`
`Substantially equal monthly instatiments required for Easy Payments Purchases,including any applicable interest.
`
`Payment Due Date
`
`Promotional Purchases
`
`Send Mone
`e
`
`y
`
`
`
`
`
`
`fuetetdeaneantrorioe®
`
`
`
`
`
`
`
`
`
`
`
`
` The PayPal Credit important Disclosures above,
`
`addendum thereto.
`
`
`
`The time between the dates on which we prepare billing statements, or would hava prepared them if statements were
`
`required under Section 11 “Billing Statements.* The Billing Cycla will end on approximately the same day of each month.
`
`
`
`We may change the day the Billing Cycle ends, at our option.
`
`(tyobofotmaceontnenosis)oyou. whenyouchoose the PayPal Credit to Send Money to friends or
`
`
`The date, which will appear on each billing statement as the “Payment Due Date” for the Billing Cycia.
`
`
`
`
`includes Deferred interest Purchases, Easy Payments Purchases, (both as further described in Section 3) and other
`promotional purchasesasoffered from timeto time that may be subject to special, promotional repayment terms and/
`
`
`or Annual Percentage Rates (“APRs”) for all or part of the time they are unpaid. You may only have the ability to make
`some Promotional Purchases from time to time, depending on what the Merchantis offering. All Promotional Purchases
`
`may be separately itemized or may be grouped togetherin the interest Charge Calculation and Promotional Purchases
`
`
`sactions of yourbilling statement. Promotional Purchases do not include any Sand Monay transactions.
`
`Extensions of credit made on the Account to you, when you choose PayPal Credit to pay for a purchase from a
`
`
`Merchant. You may occasionally see references to “cradit card purchases” because under Federal law this is considered
`
`
`
`
`Yourabilityto make paymentsto third parties using PayPal, Inc.'s services,including in connection with: () a Purchase of
`goodsor services;or(ii) a transfer of moneyto friends or family members (not to or from a business} without a Purchase.
`
`
`
`
`
`
`
`
`Standard Purchases
`
`Purchases that are not Promotional Purchases or otherwise subject to special, promotional repayment terms and/or APRs.
`
`2. HOW YOU AGREETO THIS AGREEMENT:
`You agree to the termsof this Agreement and you make the promises it contains by either applying for or accepting an Account or making a purchase using PayPal
`Credit after receipt of this Agreement.
`
`3. TYPES OF PURCHASES AND TRANSACTIONS:
`
`:
`STANDARD PURCHASES oe
`You can make a Standard Purchase using this Account by choosing PayPal Credit when you make a purchase from a Merchant at a website, by telephons, or at another
`authorized location.
`
`
`Corey So
`You can make a Cash Advance using this Account by choosing to Send Moneyto friends or family members {not to or from a business) without a Purchase. You may
`not use the Cash Advance feature to Send Money to yourself. We have the right to decline Cash Advance transactions for any reason permitted by applicable taw,
`including # fraudulent or high-risk behavior is suspected.
`
`
`
`

`

`There is one type of Deferred Interest Purchase thatwill be offered on orafter July 2, 2018:
`
`.
`sa:
`:
`NoInterest if Paid in Full in 6
`Months Purchases
`
`For each Deferred interest Purchase, if the Deferred interest Purchase balance is not paid in full by the
`Expiration Date, interest will be imposed from the purchase date at the variable Purchase APR that applies
`to your account when the Deferred interest Purchase is mads. See the accompanying Pricing Information
`Addendum for your purchase APR.
`
`if you pay the balance on a Deferred interest Purchasein full by the Expiration Date, we will not charge anyinterest for that Purchase. Any remaining balance at the end
`of the promotional period will be treated as a Standard Purchase beginning on the Expiration Date. Minimum monthly payments are required,
`
`These promotional offers rnay not be available at ail times for all purchases. Plaase see any promotional advertising or other disclosures provided to you for the full
`terms of any special promotion offered.
`
`aoeeectsAeAuuc
`
`There are two types of Easy Payments Purchases:
`
`method. Easy Payments Purchases will be subject to the terms offered at the time of the transaction by the Merchant.
`
`Easy Payments + NoInterest
`Purchases
`
`Easy Payments Purchases that are not subject to interest.
`
`Financed Easy Payments
`Purchases
`
`Easy Payments Purchases that are subjectto interest at an APR disclosedatthe time of purchase,not to
`exceed the variable Purchases APR on your Account.
`
`We mayoffer this as the only method you can use to make a Purchase from a Merchant, or as an option to the Standard Purchase and/or Deferred Interest Purchase
`
`4. YOUR CREDIT LINE AND OTHER AGREEMENTS:
`
`We mayincrease, decrease or change your Credit Line at any tira. We will notify you f we do so.
`
`
`At the time you apen your Account wewill evaluate your request for credit. If wa extend youcredit, we will disciose
` Credit Line
`to you the total amount of your Credit Line, which will be no lass than $250.00.
`
`
`if you have an existing PayPal Credit account and ara making a purchase, you agree thatif we identify your existing
`account, your purchase will be charged to your existing account and a new account will not be opened.
`
`The total balances ofall types of transactions on the Accountplus transactions which have been authorized but
`
`
`not yet posted to the Account (but not including unpaid faes) may not exceed the Credit Lina.
`
`
`
`If you try to make a Purchase or Cash Advance that would cause your outstanding balance to be above your
`
`Credit Line, we maytreat that as a request to increase the Credit Line.
`
`approve this transaction, your new Credit Lina will ba $700.00.
`
`
`For example: if your Credit Line is $650.00, you have a $200.00 balance, and you try to make @ Purchase or
`request a Cash Advance of $500.00, we maytreat this as a request for an increase in the Credit Line. If we
`
`
`
`Wehave the option to refuse a request for an increasa, but we will notify you of the reasons for any refusal. We
`may allow you to complete a transaction in excess of your available credit without increasing your Credit Line
`
`under certain circumstances, such as if you have a previous “non-sufficlent funds” payment on your Account.
`
`
`
`From timeto time, we may review your Account to ensure that payments and transactions posting to your Account
`are valid and not fraudulent and that good funds are collected for payments. In doing so, we may temporanily limit
`
`yourability to utilize the total credit available to borrow until the Account review is completed and/or transactions
`
`and payments are confirmed to be valid and fully collected.
`
`
`You authorize us to charge this Accountfor the Cost of any Purchase or Cash Advance you, or anyone to whom
`
`
`We May Charge Your Account for
`you have given permission to use this Account, make using PayPal Credit. The cost of the Cash Advance may
`
`Purchases and Cash Advances
`include both the amount sent to the recipient and any fee charged by and paid to PayPal, inc. for facilitating a
`
`
`Send Moneytransaction.
`other fawful purpose.
`
`By making a Purchase, you authorize tha Merchant to share your personat information (including email address)
`with us to varify your identity, make a credit decision, complete yourtransaction, service your Account, and/orfor
`any other lawful purpose.
`By requesting a Cash Advance, you authorize us to share your information with PayPal, Inc. to complete your
`transaction. You also authorize PayPal, inc. ta share your personal information (including email address) with us
`to verily your identity, make a credit decision. complete your transaction, service your Account, and/orfor any
`
`
`
`We May Charge Your Accountfor
`Interest and Fees
`
`
`
`You authorize us to charge this Account for interest, any fees, costs of collection, and other amounts that you
`agree to pay in this Agreement.
`
`5. YOUR PERSONAL INFORMATION:
`
`Pp
`
`h
`urchases
`
`Cash Advances
`
`

`

`6. YOUR PROMISESTO US:
`
`Promise to Pay
`
`
`
`
`
`You promise to repay to us all extensions of credit (including any and all Purchases and Cash Advances) you
`have authorized us to charge to this Account and any accrued interest, fees, collection costs, and other amounts
`that you agree to pay in this Agreement. We may presume you authorized any Purchase using this Account,if
`
`the Purchaseis delivered in your name to your address, unless you return the Purchase to the Merchant within a
`
`reasonable time.
`
`we
`You promise to payat feast the Minimurn Payment Dus on or before the Payment Que Date each Billing Cycle and
`Minimum Payment Due
`In accordance with the reasonable requirements set forth on aach billing statement.
`
`Personal Financial Information
`You promise to give us personal financial information about you that we may reasonably request, from time to time.
`
`
`
`Collecti Costs
`You promise to pay ail costs of collection (including reasonable attorneys’ fees and expanses)if we take any action
`
`ollection Co
`to coflect this Account or take any action in a bankruptcy proceeding filed by or against you,if permitted and to
`
`
`the maximum amount parmitied by applicable law.
`
`
`
`
`You promise to promptly notify us if you change your name, mailing address, email address,or telephone number.
`.
`In doing so, you agres that you will not give usfalse information or signatures, electronic orotherwise, at any time.
`Your Contact Information
`
`You promise that you are of legal age in the state where you reside and are a resident of the United States when
`.
`you accept this Agreament and open the Account.
`Age and Residency
`
`You promise that, if you are dissatisfied with goods or services you purchasad from a Merchant, youwill try in good
`Merchant Disputes
`
`
`faith to resolve the dispute and correct the problem directly with the Merchant. This shall in no waylimit or reduce
`yourrights in caseof a billing error.
`
`
`
`Use of Account
`You promises to use this Account only for personal, family, or household purposes.
`
`
`
`
`7. INTEREST RATE AND INTEREST CHARGES:
`
`You agree to pay interest on the outstanding balanceof this Account until paid in full, as applicable. Interest may be calculated differantly depending on the type of
`transaction. Interest begins to accrue on the purchase date, exceptinterest doas not accrue on any portion of a Standard Purchase or Cash Advance that you repay
`during the Grace Period,if a Grace Period applies.
`
`
`Cites
`
`Standard Purchases and Cash
`
`
`Advances
`
`
`There is a Grace Period of at least 25 days on new Standard Purchases and Cash Advances. This means wewill
`not charge interest on these transactions if you pay them in full by the Payrnent Due Date. For example,if:
`You make a $500.00 Standard Purchase on January 1 and a $100.00 Cash Advance on January 2;
`We send you a statement on or about January 15 with a Payment Due Date of February 12; and
`
`You pay $600.00 {the full amount) by February 12; then
`
`
`You will not be charged any interest on these transactions.
`
`
`
`
`You'll lose your Grace Period if you pay anything less than the total of new Standard Purchases and Cash
`Advances on any statement by the Payment Due Date. if you lose your Grace Period, you'll owe interest on any
`
`
`unpaid balance of a transaction to which the Grace Period previously applied from the first day of the next Billing
`
`
`Cycle and interest on new transactions from the date of posting. For example:
`*
`You make a $500.00 Standard Purchase on January 1 and a $100.00 Cash Advance on January 2:
`° We send you a statement on or about January 15 with a Payment Due Date of February 12; and
`
`
`*
`You pay $400.00 (onty part of the full amount} by February 12; then
`° You will not be charged anyinterest an the amount you paid ($400.00);
`
`° You will be charged interest from January 16 on the remaining amount ($200.00); and
`
`
`° New transactions will not qualify for the Grace Period.
`To qualify for the Grace Period again, you must pay your Standard Purchases and Cash Acvance balances in tull.
`
`
`Deferred (nterest Purchases do not have a Grace Period. However, you can avoid paying intersst on a Deterred
`
`
`Deferred Interest Purchases
`
`Interest Purchase by paying the balance in full by the Expiration Date. tf you do not pay the balance in full by the
`
`
`Expiration Date, you will be charged interest from the purchase date.
`
`
`
`
`
`Easy Payments Purchases
`
`Easy Payments Purchases do not have a Grace Period and begin to accrueinterest on the purchase date.
`
`
`
`
`
`
`

`

`Pes CA LCULATEINTEREST
`We calculate interest for each Billing Cycle using the Average Daily Balance {including new Purchases and Cash Advances) mathod. A separate daily balance is
`calculated for each balance type. These balance types include, for example, Standard Purchases, Cash Advances, and different Promotional Purchases.
`
`How We Get To The Average
`Daily Batance
`
`How WeGetThe Interest Charge
`For Each Balance Type
`
`How We Get TheInterest Charge
`For TheBilling Cycle
`
`Wetake the starting balance each day for each balance type, add any new Purchases and adjustments posted
`that day, includingbilled interest and billed fees, and subtract any payments and credits (treating any net credit
`balance as zero}. This gives us the daily balance. Then, we add upall the daily balances for the Billing Cycle
`and divide the total by the number of days in the Billing Cycle. The result is the Average Daily Balance for each
`balancetype.
`
`We multiply each Average Daily Balance for the Billing Cycle by the number of days in the Billing Cycle. Then
`we multiply this by the Daily Periodic Rate. This gives us the daily interest charges for aach of your differant bal-
`ancas. “Daily Periodic Rate"Is a dally interest rate. The daily periodic rate for a given balance is equal to the APR
`for that balance divided by 365.
`Wewill than add uptheinterest for all the balance types, to get tha interest for the Account.
`
`and cash advances and corresponding APR information.
`
`DieNisaisciefelUte]
`We charge a minimum interest In any Billing Cycis inwhich you oweinterast on1 Stan