MOTION FOR DEFAULT FOR
`FAILURE TO APPEAR, JUDGMENT
`
`AND ORDERFOR WEEKLY
`
`PAYMENTS
`JD-CV-49 Rev. 8-99
`P.B. §§ 17-23, et seq.
`
`SUPERIOR COURT
`
`voud.gov
`
`
`mae
`
`STATE OF CONNECTICUT
`
`
`
`RETURN DATE
`INSTRUCTIONS TO PLAINTIFF/PLAINTIFF'S ATTORNEY
`Complete this Motion and an Affidavit of Debt (/D-CV-52) and send
`
`
`01/11/2022
`original of each to the Clerk's Office and one copy of eachfo all
`
`
`
`
`DOCKETNO.
`defendants. Complete section | of the Notice of Judgment and Orderfor
`
`
`Weekly Payments (JD-CV-50) andfile in duplicate with the Clerk's
`TO: The Superior Court
`
`
`
`ffice.
`Off
`NNH CV22 6119592 S$
`
`
`
`
`
`
`ADDRESS OF COURT(No., street, fown, and zip code)
`x District
`Session
`LJ G.A.No.
`Housing
`Judicial
`235 CHURCH STREET NEW HAVEN, CT 06510
`
`
`
`
`
`NAMEOF CASE (Plaintiff v. Defendant)
`U.S. BANK NATIONAL ASSOCIATION d/b/a ELAN FINANCIAL SERVICES v. BOUNTEM NANEPHILAVONG
`NAME(S) OF ALL DEFENDANT(S) AGAINST WHOM MOTIONIS FILED
`BOUNTEM NANEPHILAVONG
`
`
`
`
`ab
`;
`p
`p
`endant(s) named above has (have)faile
`
`
`to file an appearance within two daysafter the return date. The Plaintiff(s) therefore request(s) that a default be entered
`against the Defendant(s)for failure to appear and that the Court enter judgmentafter default in favor of the Plaintiff(s) in
`accordance with the Affidavit of Debt attached. ("X”" one of the following)
`
`The Plaintiff(s) also request(s) that an order for
`NAME OF PERSONSIGNING MOTION
`{
`] BERNADETTE ANTAKI MICHAUD, ESQ.
`JURIS # 434398
`
`SIGNED
`X
`
`[_]REASONABLE
`
`__
`
`$35.00
`
`NOMINAL
`ADDRESS
`ZWICKER & ASSOC. 1699 KING STREET #207 ENFIELD, CT 06082
`
`weekly payments be entered.
`
`[_] PLAINTIFF
`DX] ATTORNEYFORPLAINTIFF(S)
`
`DATESI fe |
`ol a Je
`
`
`
`
`
`The undersigned, being duly sworn, deposesand saysthat : ("X" one of the following)
`[_] the undersignedis unable to determine whetherornot the Defendant(s)in this action are in the military or naval service
`of the United States.
`
`no Defendantin this action is in the military or naval service of the United States, and that, to the personal knowledge
`of the undersigned (state facts showing defendantis not in such service):
`
`See attached Departmentof Defense Military Status Report pursuant to the Service Members Civil Relief Act. The
`defendant’s name and social security number (ending in 8176) has been used to researchthis information.
`
`SIGNED (Affigg t) J? L
`PRINT NAMEAND,IF APPLICABLE, TITLE, OF AFFIANT
`DATE SIGNED,
`We fpitinO
`als [a2
`-
`a
`
`
`Subscribed and sworn to before me:
`Thisis to certify that copies of the above Motion, Military Service Affidavit,
`Affidavit of Debt, and Plaintiff's Bill of Costs were felivergd/mailed_via
`Complaint Fee... $ 0.00
`Entry
`F
`$ 0.00
`U.S. Mail, postage prepaid on (date):
`rons ao
`to the following Defendants: (Enter name(s) and address(es) of Defendant(s)).
`ny COrrsrerssereeeneeesecceeccnnsace
`*
`Sheriff's Fee... ceeeeeeeseeeee $ 0.00
`BOUNTEM NANEPHILAVONG
`Attorney Fee..........ccsccccceseseees § WAIVED
`70 FAWN DR
`Proceedings BeforeTrial...... $
`MERIDEN, CT 06451
`.§
`
`DATE SIGNED
`
`TOTAL.........c:cceceeeees fevvveres $0.00
`ff
`
`SIGNED
`X
`DATE SIGNED
`
`“2
`ai
`
`261139017593
`
`[-] PLAINTIFF
`DX] ATTORNEYFORPLAINTIFF(S)
`
`FOR COURT USE ONLY
`
`

`

`Results as of : Feb-15-2022 08:17:31 AM
`SCRA 5,12
`
`Department of Defense ManpowerData Center
`
`| Civil Relief Act
`
`SSN:
`
`XXX-XX-8176
`
`Birth Date:
`
`Last Name:
`
`NANEPHILAVONG
`
`First Name:
`
`BOUNTEM
`
`Middle Name:
`
`Status As Of:
`
`Feb-15-2022
`
`Certificate ID:
`
`J1TCGHHRYDW7MKM
`
`ere
`
`Active Duty
`
`=
`This responserefléc!
`
`individu:
`
`based on the information that you provided, the aboveis the status of
`Upon searching the data banks of the Department of Defense ManpowerData*Centér,
`the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and
`Coast Guard). This status includes information on a Servicememberorhis/her unit receiving notification of future orders to report for Active Duty.
`
`
`
`Michael V. Sorrento, Director
`Department of Defense - Manpower Data Center
`400 Gigling Rd.
`Seaside, CA 93955
`
`

`

`The Defense ManpowerData Center (DMDC)is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility
`Reporting System (DEERS) database whichis theofficial source of data oneligibility for military medical care and othereligibility systems.
`
`The DoDstrongly supports the enforcement of the ServicemembersCivil Relief Act (50 USC App. § 3901 et seq, as amended) (SCRA)(formerly known as
`the Soldiers’ and Sailors’ Civil Relief Act of 1940). DMDC has issued hundredsof thousands of "does not possess anyinformation indicating that the
`individual is currently on active duty" responses, and has experiencedonly a small errorrate. In the event the individual referenced above,or any family
`member,friend, or representative asserts in any mannerthat the individual was on active dutyfor the active duty status date, or is otherwise entitled to the
`protections of the SCRA,you are strongly encouraged to obtain furtherverification of the person's status by contacting that person's Service. Service contact
`information can be found on the SCRA website's FAQ page (Q35) via this URL: https://scra.dmdc.osd.mil/scra/#/faqs. If you have evidence the person
`was on active duty for the active duty status date and youfail to obtain this additional Service verification, punitive provisions of the SCRA maybe invoked
`against you. See 50 USC App. § 3921(c).
`
`(1) The individual's Active Duty status on the Active Duty Status Date (2) Whetherthe individual left Active
`This responsereflects the following information:
`Duty status within 367 days preceding the Active Duty Status Date (3) Whetherthe individual or his/her unit received early notification to report for active
`duty on the Active Duty Status Date.
`
`More information on "Active Duty Status"
`Active duty status as reportedin this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only someofthe active duty periods less
`than 30 consecutive days in length were available.
`In the case of a memberof the National Guard, this includes service undera call to active service
`authorized by the Presidentor the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the
`President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the
`unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve
`Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service memberwhois an active duty commissioned officer of the U.S.
`Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps).
`
`Coverage Under the SCRA is Broader in Some Cases
`Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be
`reported as on Active Duty underthis certificate. SCRA protections are for Title 10 and Title 14 active duty recordsforall the Uniformed Services periods.
`Title 32 periods of Active Duty are not covered by SCRA,as defined in accordance with 10 USC § 101(d)(1).
`
`Manytimes orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seekingto rely on this website
`certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service.
`Furthermore, someprotections of the SCRA may extend to persons who havereceived orders to report for active duty or to be inducted, but who have not
`actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a numberofprotections of the SCRA
`extend beyondthelast dates of active duty.
`
`Those whocould rely onthis certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA
`are protected
`
`WARNING:This certificate was provided based on a last name, SSN/dateofbirth, and active duty status date provided by the requester. Providing
`erroneousinformation will cause an erroneouscertificate to be provided.
`
`

`

`AFFIDAVIT OF DEBT
`RE: MOTION FOR DEFAULT
`FOR FAILURE TO APPEAR,
`JUDGMENT AND ORDER FOR
`
`WEEKLY PAYMENTS
`JD-CV-52 Rev. 5-99
`PB. §17-25
`
`STATE OF CONNECTICUT
`SUPERIOR COURT
`
`
`| Mil il | il
`
`. soe
`
`INSTRUCTIONS
`1. Complete this affidavit and sendoriginal with your completed Motion for Default to Appear, Judgment and
`Ord
`for Weekly Payments (JD-CV-49) and Notice ofJudgment and Order ofPayments (JD-CV-50) to the Clerk's
`Office.
`2. Attach a copy of the contract, lease or other document, if applicable, to the completed affidavit.
`3. if interest is being claimed, the period covered and the rate claimed mustbe stated.
`4. If claiming attorney's fees, a copy of the agreement must be attached.
`5. Send one copy of the completed Affidavit and Motion to each defendant. RETURN DATE
`
`
`
`01/11/2022
`DOCKETNO.
`
`
`
`NNH CV22 6119592 S
`
`ADDRESS OF COURT(No., street, town, and zip code)
`L_| G.A.No.
`235 CHURCH STREET NEW HAVEN, CT 06510
`
`
`
`
`
`TO: The Superior Court
`NZ] Judicial
`Housin
`
`x District
`Session
`
`
`
`NAMEOF CASE(Plaintiff v. Defendant)
`U.S. BANK NATIONAL ASSOCIATION d/b/a ELAN FINANCIAL SERVICES v. BOUNTEM NANEPHILAVONG
`NAME(S) OF ALL DEFENDANT(S) AGAINST WHOM MOTIONIS FILED
`BOUNTEM NANEPHILAVONG
`
`
`
`The undersigned deposes and says that (s)he is the[] Plaintiff or (title)_ATTORNEY of the
`Plaintiff and is familiar with the facts stated below. The Defendant(s)is/are indebted to the Plaintiff(s) as follows:
`
`Asof 11/18/21, the amount due and owingPlaintiff was $7,248.11. As of 02/14/22, the amount due and owing
`Plaintiff is $7,248.11.
`
`SIGNED (Affiant)
`
`[] Continuation gf this affidavit of debt is attached and madeapart hereof.
`
`
`PRINT NAME AND, IF APPLICABLE,TITLE, OF AFFIANT
`
`
`__Pemadette Antaki Michaud, Esq. Juris #431398
`
`
`
`4
`
`SIGNED (Com ammy F. Klotzer|DATE SIGNEDup. CourNGtasy/
`
`pt
`Lctiout sf
`Aeyun,
`“7
`Subscribed a
`
` d swornto before me:
`
`
`261139017593
`
`

`

`AFFIDAVIT OF CLAIM
`AND CERTIFICATION OF AMOUNT DUE
`
`ss:
`
`) )
`
`)
`
`STATE OF MISSOURI
`
`COUNTY OF ST. LOUIS
`
`ACCOUNT HOLDER(S): BOUNTEM NANEPHILAVONG
`ACCOUNT NUMBER:
`5855
`
`
`
`TheancrinesbaaalerLisKol,beingdulysworn,statesanddeposesas
`
`follows:
`
`1.
`
`2.
`
`3.
`
`4.
`
`I am an authorized agent ofU.S. BANK NATIONAL ASSOCIATIONd/b/a ELAN
`FINANCIAL SERVICES,a national banking association organized under the laws
`ofthe United States (hereinafter the “Bank”) with a place ofbusiness at 9321 Olive
`Blvd., St. Louis, MO 63132, I am duly authorized by the Bank to make the
`statements and representations herein.
`
`In myposition, I am familiar with the business operations and practices ofthe Bank,
`particularly with respect to the computerized and hard copy business records
`relating to the credit card accounts issued by the Bank, including the records of
`accounts and the applicable agreements discussed herein.
`I have personal
`knowledge of the business records and practices of the Bank to confirm the
`transmittal of account agreements,notices, billing statements, and other documents.
`In my day to day responsibilities I have access to the account records created and
`maintained by the Bank.
`
`The billing statements and other documents referred to herein were created at or
`near either the time of the transactions/occurrence or the time the original
`statements were made and have been kept by the Bank in the ordinary course of
`business.
`In my experience, the systems used by the Bank to create and maintain
`data for and to producebilling statements and other documentsarereliable and kept
`in a goodstate of repair, and the Bank’s procedures for inserting transaction and
`other data into the systems havebuilt-in safeguards to ensure accuracy andidentify
`errors.
`
`(the
`is governed by a written agreement
`the Credit Card Account
`That
`“Agreement”) setting forth the terms and conditions of an account; when an account
`is opened, the Agreement is provided to the Account Holder. The Agreement
`provides that use of the Credit Card or the Credit Card Account constitutes
`
`Cardholderaffidavit general 4.19.17 final
`
`

`

`acceptance of the Agreementand that the Bank may change the Agreement during
`the life of the Credit Card Account.
`
`That the Bank sends or otherwise makes available monthly billing statements to
`Account Holders whocarry a balanceor are otherwise required to receive a monthly
`billing statement.
`
`That the Bank is the creditor of the above referenced Account and holds the right
`to enforce the terms of the Agreement.
`
`the above referenced Account was opened on or about 07/25/19 by
`That
`BOUNTEM NANEPHILAVONG.
`
`It is the Bank’s standard procedure to provide a copy of the Account Agreementto
`Account Holder when the Bank opened the Account.
`In the ordinary course of
`business, copies of each of the Agreements or notifications of changes were made
`available to Defendant as they were periodically revised or updated.
`
`to the terms and conditions of the Account, BOUNTEM
`That pursuant
`NANEPHILAVONGobtained extensions of credit by using the Account for
`purchases of goods and/or services and/or cash advances.
`
`That the Bank’s records reflect that it provided monthly billing statements to
`Account Holder.
`
`That the Bank’s records do not reflect the Account Holder ever asserting a valid
`unresolved objection to the balance shown as due and owing on the monthly
`statements provided to the Account Holder.
`
`That at the time the Bank charged off the Account on or about 07/30/21, the
`balance showing on the booksand records of the Bank was $7,248.11. After the
`Bank charged off the Account, there have been no additional payments or
`financial adjustments since the last statement and the balanceasofthe date ofthis
`affidavit is $7,248.11.
`
`That pursuant to the books and records of the Bank, there are no uncredited
`payments or offsets attributable to the Account and the amount shown as due and
`owingis just, true and correct.
`
`Attached hereto as Exhibit 1 are true and correct copies of statement(s) from the
`Account Holder’s Accountreflecting accountactivity. The entries on these
`records were madeat or near the time of the transactions reflected on the records
`and were madein the regular course of business of the Bank. Attached hereto as
`Exhibit 2 is a true and correct copy of the applicable Agreementfor the account.
`
`to the best of the
`true and correct
`forth herein is
`The information set
`undersigned’s knowledge, information and belief and, if called as a witness,
`|
`could competently testify thereto.
`
`10.
`
`11.
`
`12.
`
`13.
`
`14.
`
`15.
`
`

`

`16.
`
`I declare underthe penalty of perjury under the laws of the forum state that the
`foregoingis true and correct to the best of my knowledge, information andbelief.
`
`FURTHER AFFIANT SAYETH NOT.
`
`U.S. BANK NATIONAL ASSOCIATION
`d/b/a ELAN FINANCIAL SERVICES
`
`oy
`
`, 2022 by
`Zo
`Subscribed and sworn to before methis ihA day of
`Leani'berLaw's Kitty as
`an Authorized Agent of U.S. BAK NATIONAL
`
`LAN FINANCIALSERVICES.
`
`ASSOCIATIONd/b/
`
`(Notary Seal)
`
`
`JANICE M CARTER
`Notary Public - Notary Seal
`
`
`St Louis County - State of Missouri
`Commission Number 13900384
`:
`
`
`i My Commission Expires Nov 23, 2025 §
`
`

`

`EXHIBIT 1
`
`ZICR
`
`

`

`Peoples United
`Bank.
`
`July 2021 Statement
`Open Date: 06/05/2021 Closing Date: 07/07/2021
`
`World Mastercard® Real Rewards Card
`
`BOUNTEM NANEPHILAVONG
`
`Minimum Payment Warning: If you make only the minimum
`paymenteachperiod, you will pay morein interest and it will
`take you longer to pay off your balance. For example:
`
`
`
`And youwill
`If you make no
`You will pay off
`the balance shown
`additional charges
`end up paying
`
`
`
`on this statement
`an estimated
`using this card and
`
`
` total of...
`in about...
`each month you
`
`
`Only the minimum
`payment
`$269
`
`
`
`
`
`
`If you wouldlike information about credit counseling services,
`call 866-951-1391.
`
`$14,263
`
`3 years
`
`$9,695
`(Savings=$4, 568)
`
`Account:
`
`Page 1 of 3
`5855
`
`Cardmember Service
`BNK 25 ELN
`8
`
`1-866-234-4691
`4
`
`Activity Summary
`Previous Balance
`Payments
`Other Credits
`Purchases
`Balance Transfers
`Advances
`Other Debits
`Fees Charged
`Interest Charged
`New Balance
`Past Due
`Minimum Payment Due
`Revolving Line of Credit
`Revolving Line Available
`Days in Billing Period
`
`$7,119.44
`$0.00
`$0.00
`$0.00
`$0.00
`$0.00
`$0.00
`$0.00
`$128.67
`
`$7,248.11
`$1,439.00
`$1,636.00
`$6,800.00
`None
`33
`
`
`
`
`
`
`
`
`Reward Points
`Earned This Statement
`Reward Center Balance
`as of 07/06/2021
`For details, see your rewards summa
`
`
`
`
`
`30,171
`
`
`
`Payment Options:
`
`Mail payment coupon
`S| with a check
`
`Payonline at
`NES myaccountaccess.com
`
`Pay by phone
`1-866-234-4691
`
`(
`
`Please detach and send coupon
`
`with check payable to: Cardmember Service
`
`Peoples United
`Bank’
`
`24-Hour Cardmember Service: 1-866-234-4691
`( . to pay by phone
`|. to change your address
`
`000001967 01 SP
`
`000638870758181 P Y
`
`BOUNTEM NANEPHILAVONG
`70 FA
`MERIDEN CT 06451-2257
`PeegypeD feng Ueag peg p ALE geU eg fecal fege ted tpt pl LEY
`
`Account Number
`
`Payment Due Date
`New Balance
`
`Minimum Payment Due
`
`5855
`8/03/2021
`
`$7,248.11
`$1,636.00
`
`Amount Enclosed
`
`Cardmember Service
`P.O. Box 790408
`St. Louis, MO 63179-0408
`
`

`

`What To DoIf You Think You Find A Mistake On Your Statement
`If you think there is an error on your statement, please call us at the telephone numberonthefront of this statement, or write to us at:
`CardmemberService, P.O. Box 6335, Fargo, ND 58125-6335.
`In your letter or call, give us the following information:
`» Account information: Your name and account number.
`>» 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 whyyoubelieveit is a mistake.
`You must contact us within 60 days after the error appeared on your statement. While we investigate whether or not there has been an error,
`the following are true:
`>» Wecannottry to collect the amountin 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, youwill not have to pay the amountin question or any interest or other fees related to that amount.
`» While you do not have to pay the amountin question, you are responsible for the remainderof your balance.
`> Wecan apply any unpaid amount against your credit limit.
`Your Rights If You Are Dissatisfied With Your Credit Card Purchases
`If you are dissatisfied with the goodsor services that you have purchasedwith your credit card, and you havetried in good faith to correct the
`problem with the merchant, you may havethe right not to pay the remaining amount due on the purchase.
`To usethis right, all of the following must be true:
`1. The purchase must have been made in your homestate or within 100 miles of your current mailing address, and the purchase price must
`have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we
`own the companythat sold you the goodsorservices.)
`.
`2. You must have used yourcredit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses
`yourcredit card account do not qualify.
`3. You mustnotyet havefully paid for the purchase.
`If all of the criteria above are met and youarestill dissatisfied with the purchase, contact us in writing at: CardmemberService, P.O. Box
`6335, Fargo, ND 58125-6335. While weinvestigate, the samerules apply to the disputed amount as discussed above.After we finish our
`investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent.
`Important Information Regarding Your Account
`1. INTEREST CHARGE: Method of Computing Balance Subject to Interest Rate: We calculate the periodic rate or interest portion of the
`INTEREST CHARGE by multiplying the applicable Daily Periodic Rate ("DPR") by the Average Daily Balance ("ADB")(including new
`transactions) of the Purchase, Advance and Balance Transfer categories subject to interest, and then adding togetherthe resulting interest
`from each category. We determine the ADB separately for the Purchases, Advances and Balance Transfer categories. To get the ADB in
`each category, we add together the daily balances in those categories for the billing cycle and divide the result by the numberof daysin the
`billing cycle. We determine the daily balances each day by taking the beginning balance of those Accountcategories(including anybilled but
`unpaid interest, fees, credit insurance and other charges), adding any newinterest, fees, and charges, and subtracting any payments or
`credits applied against your Account balances that day. We add a Purchase, Advanceor Balance Transfer to the appropriate balancesfor
`those categorieson thelater of the transaction date or the first day of the statementperiod. Billed but unpaid interest on Purchases, Advances
`and Balance Transfers is added to the appropriate balances for those categories each month on the statementdate. Billed but unpaid
`Advance Transaction Fees are added to the Advance balance of your Account on the date they are charged to your Account. Anybilled but
`unpaid fees on Purchases, credit insurance charges, and other charges are added to the Purchase balance of the Account onthe date they
`are charged to the Account.Billed but unpaid fees on Balance Transfers are added to the Balance Transfer balance of the Account on the
`date they are charged to the Account. In other words,billed and unpaid interest, fees, and chargeswill be included in the ADB of your
`Account that accruesinterest and will reduce the amountof credit available to you. To the extent credit insurance charges,overlimit fees,
`Annual Fees, and/or Travel Membership Fees may be applied to your Account, such charges and/orfees are not included in the ADB
`calculation for Purchasesuntil the first day of the billing cycle following the date the credit insurance charges, overlimit fees, Annual Fees
`and/or Travel Membership Fees(as applicable) are charged to the Account. Prior statement balances subjectto an interest-free period that
`have been paid on or before the payment due datein the currentbilling cycle are not included in the ADB calculation.
`2. Payment Information: You must payusin U.S. Dollars with checksor similar payment instruments drawn onafinancialinstitution located
`in the United States. Wewill also accept paymentin U.S. Dollars via the Internet or phone or previously established automatic payment
`transaction. We may, at our option, choose to accept a payment drawn on a foreign financial institution. However, you will be charged and
`agree to pay anycollection fees required in connection with such a transaction. The date you mail a paymentis different than the date we
`receive that payment. The paymentdate is the day we receive your check or money order at Cardmember Service, P.O. Box 790408, St.
`Louis, MO 63179-0408 or the day we receive your electronic or phone payment. All payments by check or money order accompanied by a
`payment coupon andreceived at this payment addresswill be credited to your Account onthe dayof receiptif received by 5:00 p.m. CT on
`any banking day. Mailed payments that do not include the payment coupon and/or are mailed to a different addresswill be processed within
`5 banking daysof receipt and credited to your Account on the dayof receipt. In addition, if you mail your payment without a payment coupon
`or to an incorrect address, it may result in a delayed credit to your Account, additional INTEREST CHARGES, fees, and possible suspension
`of your Account.Internet and telephone paymentoptions are available, and crediting times vary (but generally must be made before 5:00 p.m.
`CT to 8 p.m. CT depending on what day and how the payment is made).
`If you are making an internet or telephone payment, please contact
`CardmemberService for times specific to your Account and your paymentoption. Banking days are all calendar days except Saturday,
`Sundayand federal holidays. Payments due on a Saturday, Sundayor federal holiday and received on those days will be credited on the day
`of receipt. There is no prepayment penalty if you pay your balance at any time prior to your payment due date.
`3. Credit Reporting: We mayreport information on your Account to Credit Bureaus. Late payments, missed payments or other defaults on
`your Account may bereflected in your credit report.
`
`

`

`Peoples United
`\___—Bank°
`
`06/05/2021 - 07/07/2021
`July 2021 Statement
`Page 2 of 3
`BOUNTEM NANEPHILAVONG
`CardmemberService
`(
`1-866-234-4691
`
` Rewards CenterActivity as of 07/06/2021
`
`Rewards CenterActivity*
`Rewards Center Balance
`
`*This item includes points redeemed, expired and adjusted.
`
`Rewards Earned
`Points Earned on Net Purchases
`
`This
`Statement
`0
`
`Year
`to Date
`312
`
`Total Earned
`
`0
`
`312
`
`
`Paying Interest: You have a 24to 30 dayinterest-free period for Purchases provided you have paid your
`previous balancein full by the Payment Due Date shown on your monthly Account statement. In orderto
`avoid additional INTEREST CHARGESon Purchases, you must pay your new balancein full by the
`Payment Due Date shownonthefront of your monthly Account statement.
`There is no interest-free period for transactions that post to the Account as Advancesor Balance Transfers
`except as provided in any Offer Materials. Those transactions are subjectto interest from the date they post
`to the Account untii the date they are paid in full.
`If you believe we haveinaccurately reported information to any Consumer Reporting Agency, you may
`submit a dispute by writing to us. In order for us to assist you with your dispute, you must provide your
`name, address, phone number, account number,the specific information you are disputing, the explanation
`of whyit is incorrect, and any supporting documentation (e.g., affidavit of identity theft), if applicable,to:
`Elan Financial Services
`Consumer Recovery Department
`Attn: CBR Disputes
`P.O. Box 108
`St Louis, MO 63166-0108
`Your accountis seriously past due. We havevery attractive settlement and reducedinterest/payment
`programs. We urge youto call us at 1-877-838-4346.
`
`
`
`Interest Charged
`Post
`Date
`
`07/07
`
`Transaction Description
`
`INTEREST CHARGE ON PURCHASES
`TOTAL INTEREST THIS PERIOD
`
`Amount
`
`$128.67
`$128.67
`
`$774.97
`
`Total Fees Charged in 2021
`Total Interest Charged in 2021
`
`$234.00
`
`Continued on Next Page
`
`

`

`Peoples United
`._._Bank*
`
`Page 3 of 3
`July 2021 Statement
`06/05/2021 - 07/07/2021
`1-866-234-4691
`(
`CardmemberService
`BOUNTEM NANEPHILAVONG
`
`
`Your Annual Percentage Rate (APR)is the annualinterest rate on your account.
`
`**APR for current and future transactions.
`
`Balance Type
`
`**BALANCE TRANSFER
`*PURCHASES
`*ADVANCES
`
`Balance
`By Type
`
`$0.00
`$7,248.11
`$0.00
`
`Balance
`Subject to
`Interest Rate
`
`$0.00
`$7,119.44
`$0.00
`
`Variable
`
`YES
`YES
`YES
`
`Interest
`Charge
`
`$0.00
`$128.67
`$0.00
`
`Annual
`Percentage
`Rate
`
`Expires
`with
`Statement
`
`19.99%
`19.99%
`23.99%
`
`
`(
`®
`PY with a check
`“SS
`
`" Phone
`
`Questions
`
`“| Mail payment coupon
`
`Online
`
`Voice:
`TDD:
`Fax:
`
`1-866-234-4691
`1-888-352-6455
`1-866-616-1750
`
`CardmemberService
`P.O. Box 6354
`Fargo, ND 58125-6354
`
`CardmemberService
`P.O. Box 790408
`St. Louis, MO 63179-0408
`
`myaccountaccess.com
`
`End of Statement
`
`

`

`EXHIBIT 2
`
`BICR
`
`

`

`CARDMEMBERSERVICE
`P. O. Box 6352
`Fargo, ND 58125-6352
`
`Page 1 of 10
`
`Pande LEER De ane Dae dpe gL Pe eget deg Efe TP]
`00000096002 SP_106481326022773 S
`NANEPHILAVONG,BOUNTEM
`70 FAWN DR
`MERIDEN CT 06451-2257
`ARCHIVE - NOT MAILED
`
`People's United Bank World Mastercard® Real Rewards Card Agreement
`
`Interest Rates and Interest Charges
`
`Annual Percentage Rate
`
`(APR)for Purchases
`APRfor Balance Transfers
`
`
`
`
`
`
`APRfor Cash Advances
`
`23.99%. This APR will vary with the market and is based on the Prime Rate.
`
`There is no Penalty Rate for your Account.
`
`Your due date is 24-30 daysafter the close of eachbilling cycle. We will not charge you
`interest on Purchases if you pay your entire balance by the due date each month. We
`will begin charging interest on Advances and Balance Transfers on the transaction date.
`If you are chargedinterest, the charge will be no less than $2.00.
`To learn more aboutfactors to consider when applyingfor or using a credit card, visit
`the website of the Consumer Financial Protection Bureau at
`http://www.consumerfinance.gov/learnmore.
`
`
`Set Up and Maintenance
`
`Fees
`
`
`0
`
`.
`
`.
`
`.
`
`1 9.99 No. This APR will vary with the market and is based on the Prime Rate.
`19.99%. This rate will vary with the market based on the Prime Rate.
`
`.
`
`.
`
`
`
`
`
`
`
`
`
`Penalty APR and
`When It Applies
`
`
`
`
`
`Paying Interest
`
`
`Minimum Interest Charge
`For Credit Card Tips from
`
`
`the Consumer Financial
`Protection Bureau
`
`
`
`
`
`NOTICE: Some of these set-up and maintenance fees will be assessed before you
`begin using your Card and based on your Revolve Limit, your initial available credit will
`
`
`be less.
`You maystill reject this Account, provided that you have not yet used it or paid a fee
`after receiving a billing statement.
`If you do reject the Account, you are not responsible
`
`for any fees or charges.
`
`
`NONE
`«" Annual Membership
`Fee
`
`
`NONE
`= Travel Membership Fee
`
`NONE
`
`* Enrollment Fee
`
`
`

`

`000000960 02 SP
`
`106481326022773 S
`
`Page 2 of 10
`
`Transaction Fees
`
`=" Balance Transfer and
`Convenience Check
`Advance
`
`Cash Advance ATM
`
`Cash Financial
`Institution
`
`Cash Equivalent
`Advance
`
`Either $5.00 or 3.00% of the Transfer or Advance amount, whichever is greater
`{maximum fee (No Maximum)).
`
`Either $10.00 or 5.00% of the Advance amount, whicheveris greater (maximum fee
`(No Maximum)).
`Either $10.00 or 5.00% of the Advance amount, whicheveris greater (maximum fee
`(No Maximum)).
`Either $20.00 or 5.00% of the Advance amount, whicheveris greater (maximum fee
`(No Maximum)).
`
`PaymentFeeof up to $35.00 will be assessed.
`
`Overdraft Protection
`
`$10.00
`
`Foreign Transaction
`
`2.00% of each foreign purchasetransaction in U.S. Dollars.
`3.00% of each foreign purchase transaction in a Foreign Currency.
`2.00% of each foreign ATM advancetransaction in U.S. Dollars.
`3.00% of each foreign ATM advancetransaction in a Foreign Currency.
`
`Penalty Fees
`
`Thefirst time your payment is late, a Late Payment Fee of up to $28.00 will be
`= Late Payment
`assessed. If another payment is late during the next6billing cycles, a Late Payment
`Fee of up to $39.00 will be assessed.
`
`= Overlimit
`
`NONE
`
`= Returned Payment
`
`Thefirst time your paymentis returned, a Returned Payment Feeof up to $25.00 will be
`assessed. If another payment is returned during the next 6 billing cycles, a Returned
`
`How WeWill Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
`See your Agreementfor more details.
`Billing Rights:
`Information on your rights to dispute transactions and how to exercise those rights is provided in your
`Agreement.
`Introductory Balance Transfer: The interest rate that is applied to your Account will apply only to those Balance
`Transfers made in accordance with offers extended when your Account was opened.
`
`People's United Bank World Mastercard® Real Rewards Card Cardmember
`Agreement
`
`This is a cardmember agreementand disclosure statement ("Agreement") between you
`and Elan Financial Services containing the terms that will apply to your People's United
`Bank World Mastercard® Real Rewards Card Account ("Account") effective April 7,
`2021.
`In this Agreement, "you", "your", and "Cardmember" means each individual
`accepting a solicitation or applying for the Account or otherwise agreeing to be
`responsible for the Account. "We", "us", “our” and "Cardmember Service" means Elan
`Financial Services, the issuer of the Card and your Accountcreditor. Please read this
`Agreement carefully and keep it
`in a safe place to make the best use of the credit
`cards we issue with this Account ("Card"). The Agreement becomeseffective as soon
`as you or someone authorized by you uses or activates the Card or Account. Evenif
`the Card or Account has not been used oractivated, this Agreement becomeseffective
`unless you contact us within 30 days after you receive the Card by calling the number
`on the back of the Card to cancel your Account.
`In addition to this Agreement, there
`are also relevant Accountdisclosures on your Card carrier.
`
`This Agreement contains an arbitration provision (including a class action
`arbitration waiver).
`It is important that you read the entire Arbitration Provision
`section carefully.
`ACCOUNT