Filing # 173662445 E-Filed 05/22/2023 11:35:31 AM
`
`16-2023-SC-011808-XXXX-MA Div: CC-K
`
`
`
`
`PORTFOLIO RECOVERY ASSOCIATES, LLC,
`
`Plaintiff,
`
`vs.
`
`KAYLA IANNOTTI
`
`Defendant.
`
`
`
`
`
`IN THE COUNTY COURT IN AND FOR
`DUVAL COUNTY, FLORIDA
`
`
`CASE NO.:
`
`
`
`
`
`
`
`
`/
`
`
`
`
`
`Plaintiff sues Defendant for damages, and would allege:
`
`1. This is an action for damages less than $8,000.
`
`Complaint
`
`2. Defendant obtained and used a SYNCHRONY BANK/ SYNCHRONY BANK/ revolving credit
`
`account, XXXXXXXXXXXXX0178 (the "Account").
`
`3. Defendant did make purchases and charged same to the Account, but after statements were
`
`provided to Defendant, Defendant failed to make the monthly payments due upon the Account and
`
`failed to object to the balance then owing within a reasonable time, resulting in an Account Stated
`
`in the sum of $6,243.35 (See Attached).
`
`4. Plaintiff is the successor in interest of said Account having purchased said Account in good faith,
`
`for value, and in the ordinary course of business. (See Attached).
`
`5. Plaintiff received the attached records of the original creditor pursuant to its purchase of the
`
`Defendant’s account. Plaintiff independently checked the records for accuracy, and then integrated
`
`the records into their own business records.
`
`6. Plaintiff has declared Defendant to be in default and demands payment of the balance due on the
`
`Account. Defendant has refused said demand.
`
`7. Defendant is indebted to Plaintiff in the sum of $6,243.35.
`
`8. All conditions precedent to this action have occurred.
`
`
`
`
`ACCEPTED: DUVAL COUNTY, JODY PHILLIPS, CLERK, 05/23/2023 04:21:24 PM
`
`

`

`9. Pursuant to Rule 2.516, Plaintiff designates the following email addresses for the purpose of
`
`service of all documents required to be served pursuant to Rule 2.516 in this proceeding.
`
`Primary E-Mail Address: LitigationService@Portfoliorecovery.com and Secondary Address:
`
`Florida_RA@portfoliorecovery.com.
`
`WHEREFORE, Plaintiff demands Judgment against Defendant for $6,243.35, plus costs.
`
`Date: 04/30/2023
`/s/ John Bacus Dejesus
`John Bacus Dejesus, Esq. Bar No. 0111446
`Anthony Joseph Maniscalco, Esq. Bar No. 548707
`Giuseppe Cataudella, Esq. Bar No. 088976
`Jacqueline Elizabeth Ligas, Esq. Bar No. 030009
`Jessica Montes, Esq. Bar No. 47522
`Jorg Menriv Rivera, Esq. Bar No. 0779571
`Juliana Rodriguez, Esq. Bar No. 105514
`Shayna Lynn Singer, Esq. Bar No. 821101
`Attorneys for Plaintiff
`Portfolio Recovery Associates, LLC
`120 Corporate Blvd
`Norfolk, VA 23502
`Phone: 866/428-8102
`www.PRApay.com
`LitigationService@Portfoliorecovery.com
`Florida_RA@portfoliorecovery.com
`
`
`
`
`
`
`
`
`649048
`
`
`

`

` “synchrony
`
`4500 Munson St Nv
`Canton OH 44718, US.
`
`BILL of SALE
`
`PRA (PRMS) — PSCC 180MP — June 2021 — ms336659
`
`For value received and in further consideration of the mutual covenants and conditions
`set forth in the Forward Flow Accounts Purchase Agreement (the “Agreement”), dated as ofthis
`11th day of February, 2021 by and between Synchrony Bank formerly known as GE Capital
`Retail Bank; RFS Holding, L.L.C., Synchrony Card Funding, LLC and Retail Finance Credit
`Services, LLC., ( “Seller’’) and Portfolio Recovery Associates, LLC (“Buyer”), Seller hereby
`transfers, sells, conveys, grants, and delivers to Buyer, its successors and assigns, without
`recourse exceptas set forth in the Agreement, to the extent of its ownership, the Accounts as set
`forth in the Notification Files (as defined in the Agreement), delivered by Seller to Buyer on or
`about 17" of June 2021, and as further described in the Agreement.
`
`Synchrony Bank
`
`Lynne
`By: LyfineFisher (Jun 24, 2021 15:51 EDT)
`Lynne Fisher
`Title: SVP Recovery Operations
`
`
`
`
`
`Lynne Fisher
`Title: Duly Authorized Signatory
`
`Synchrony Card Funding, LLC
`LYM
`By: LyfineFisher (Jun 24, 2021 15:51 EDT)
`Lynne Fisher
`Title: Duly Authorized Signatory
`
`Retail Finance Credit Services, LLC
`Lynne
`Fite,
`By: LyfineFisher(Jun 24, 2021 15:51 EDT)
`Lynne Fisher
`Title: Vice President
`
`

`

`Sale File: MS336659.DL
`
`***********0178
`*********** Y
`
`I
`IANNOTTI KAYLA
`**/**/1995
`***************
`
`7925 MERRILL RD APT 2009
`
`ACCOUNT_NUMBER
`FORMER GE ACCOUNT
`NUMBER
`CUSTOMER_TYPE
`NAME
`BIRTH_DATE
`CUSTOMER_ID
`LIABLE
`ACCOUNT_ADDRESS_1
`ACCOUNT_ADDRESS_2
`CITY
`COUNTY
`STATE
`ZIP_CODE
`HOME_PHONE_NUMBER
`WORK_PHONE_NUMBER
`HOME_PHONE_FLAG
`WORK_PHONE_FLAG
`ADDRESS_FLAG
`EN
`LANG_IND
`***************
`MOBILE_PHONE
`DEBTOR E-MAIL ADDRESS ***************
`CO_CUSTOMER_TYPE
`CO_NAME
`CO_BIRTH_DATE
`CO_CUSTOMER_ID
`CO_ACCOUNT_ADDRESS_1
`CO_ACCOUNT_ADDRESS_2
`CO_CITY
`CO_COUNTY
`CO_STATE
`CO_ZIP_CODE
`CO_HOME_PHONE_NUMBE
`
`JACKSONVILLE
`
`FL
`32277-6540
`
`***************
`
`R C
`
`O_WORK_PHONE_NUMBE
`
`R I
`
`0000
`NTEREST_RATE
`20180626
`CONTRACT_DATE
`20200522
`CHARGE_OFF_DATE
`20191031
`LAST_PAYMENT_DATE
`0000544462
`CHARGE_OFF_AMOUNT
`000000000
`ASSOCIATED_COSTS
`000083873
`ACCRUED_INTEREST
`0000628335
`CURRENT_BALANCE
`000544462
`NET_PRINCIPAL
`NET_ASSOCIATED_COSTS 000000000
`
`

`

`000083873
`00000000
`00000017700
`20191124
`20190922
`
`Sale File: MS336659.DL
`
`NET_INTEREST
`LAST_INTEREST_DATE
`LPA
`FDOD
`LAST_PURCHASE_DATE
`POST C/O PAYMENTS
`POST C/O CREDITS
`POST C/O INTEREST
`POST C/O FEES
`LENDING_OFFICER_CODE CCI610
`USER_FIELD
`0181
`DPS_ID_AGENCY_ATTY_C
`PRMS
`ODE
`AGENCY_CODE
`DEBTOR ATTORNEY
`DEBTOR ATTORNEY
`ADDRESS 1
`DEBTOR ATTORNEY
`ADDRESS 2
`DEBTOR ATTORNEY
`ADDRESS 3
`DEBTOR ATTORNEY CITY
`DEBTOR ATTORNEY STATE
`DEBTOR ATTORNEY ZIP
`DEBTOR ATTORNEY
`PHONE NUMBER
`DEBTOR ATTORNEY FAX
`NUMBER
`CO_AGENCY_CODE
`EMPLOYERS_NAME
`EMPLOYERS_ADDRESS
`CO_EMPLOYERS_NAME
`CO_EMPLOYERS_ADDRES
`
`GENPACT
`
`000000000
`000000000
`00000000
`A
`00
`
`CARD
`
`WNPY
`
`SF2
`A
`20200524
`
`S M
`
`ONTHLY_INCOME
`MONTHLY_PAYMENT
`NEXT_PAYMENT_DATE
`RECORD_TYPE
`SEQUENCE_NUMBER
`TITLE
`LOAN_TYPE_CODE
`DEALER_CODE
`CHARGE_OFF_REASON_C
`ODE
`ACCOUNT_STATUS
`SOURCE_CODE
`RECEIPT_DATE
`LAST_COMMENT_LINE_1
`
`

`

`Sale File: MS336659.DL
`
`LAST_COMMENT_LINE_2
`LAST_COMMENT_LINE_3
`LAST_COMMENT_DATE
`SECOND_NAME_1
`SECOND_NAME_2
`OTHER_INCOME
`OTHER_OBLIGATIONS
`OWN_RENT_CODE
`RECOVERY_SCORE
`LAST_CONTACT_DATE
`COMMISSION_RATE
`FILLER
`FORMAT_CODE
`CO_RECORD_TYPE
`CO_SEQUENCE_NUMBER
`CO_TITLE
`FILLER1
`FILLER2
`CO_FORMAT_CODE
`
`00000000
`
`000000000
`000000000
`
`000
`20200205
`0000
`
`B
`
`

`

`DECLARATION OF CUSTODIAN OF RECORDS
`
`I, the undersigned, Custodian of Records, for Portfolio Recovery Associates, LLC hereby declare, certify, and state as
`follows:
`
`1.
`
`I am competent to testify to the matters contained herein.
`
`I am an authorized employee of Portfolio Recovery Associates, LLC, (“Account Assignee”) which is doing business
`2.
`at Riverside Commerce Center, 120 Corporate Boulevard, Norfolk, Virginia. I am familiar with the policies and practices,
`as well as the books and records of Account Assignee with respect to the matters stated herein. This declaration is based
`upon my personal knowledge of Account Assignee’s record keeping system and my review of the business records of the
`Original Creditor SYNCHRONY BANK, including a review of the business records transferred to Account Assignee from
`SYNCHRONY BANK (“Account Seller”), which have become a part of and have integrated into Account Assignee’s business
`records, in the ordinary course of business.
`
`According to the business records, which are maintained in the ordinary course of business, the account, and all
`3.
`proceeds of the account are now owned by the Account Assignee, all of the Account Seller’s interest in such account having
`been sold, assigned and transferred by the Account Seller on 6/17/2021. Further, the Account Assignee has been assigned
`all of the Account Seller’s power and authority to do and perform all acts necessary for the settlement, satisfaction,
`compromise, collection or adjustment of said account, and the Account Seller has retained no further interest in said account
`or the proceeds thereof, for any purpose whatsoever.
`
`According to the records transferred to the Account Assignee from Account Seller, and maintained in the ordinary
`4.
`course of business by the Account Assignee, there was due and payable from IANNOTTI; KAYLA (“Debtor and Co-Debtor”)
`to the Account Seller the sum of $6,283.35 with the respect to account number ending in 0178 as of the date of 5/22/2020
`with there being no known un-credited payments, counterclaims or offsets against the said debt as of the date of the sale.
`
`According to the account records of said Account Assignee, after all known payments, counterclaims, and/or setoffs
`5.
`occurring subsequent to the date of sale, Account Assignee claims the sum of $6,243.35 as due and owing as of the date of
`this declaration.
`
`Plaintiff believes that the defendant is not a minor or an incompetent individual and declares that the Defendant is
`6.
`not on active military service of the United States.
`
`7.
`
`I declare under penalty of perjury under the laws of the State of Florida that the foregoing is true and correct.
`
`Executed on ________________________________ at
`
`Portfolio Recovery Associates, LLC
`
` V1
`
`

`

`CARECREDIT/SYNCHRONY BANK
`
`KAYLA A IANNOTTI
`Account Number: Hii 0175
`Statement Closing Date:
`04/24/2020
`
`Summary of Account Activity
`Previous Balance
`+ New Purchases
`-
`Payments
`+/- Credits, Fees & Adjustments (net)
`+/-
`Interest Charge (net
`New Balance
`
`$6,111.28
`$0.00
`$0.00
`$40.00
`$92.07
`$6,243.35
`
`Credit Limit
`Available Credit
`Overlimit Amount
`Days in Billing Period
`
`$6,000.00
`$0.00
`$243.35
`30
`
`Payment Information
`New Balance
`Minimum Payment This Period
`Amount Past Due
`Total Minimum Payment Due
`Payment Due Date
`PAYMENT DUE BY 5 P.M. EASTERN ON THE DUE DATE.
`We may convert your payment into an electronic debit. See
`reverse side.
`
`$6,243.35
`$215.00
`$1,239.00
`$1,454.00
`05/17/2020
`
`Late Payment Warning: If we do not receive your Total
`Minimum Payment Due by the Payment Due Datelisted above,
`you may haveto paya late fee up to $40.00.
`Pay online for free at: mysynchrony.com
`For Synchrony Bank customer service or to report your Minimum Payment Warning: Making only the Total Minimum
`card lost or stolen, call (1-866-893-7864).
`Payment Duewill increase the amountof interest you pay and
`
`the time it takes to repay your balance. For example:
`Best timesto call are Wednesday - Friday.
`If you make no You will pay off|And you will end up
`
`additional charges
`the balance shown) paying an estimated
`on this statement
`total of ...
`using this card and
`in about...
`each month you
`Pay...
`Only the minimum
`payment
`If you would like information about credit counseling services,
`call 1-877-302-8797.
`
`04/24/2020
`
`
`
`$7,806.00
`
`3 years
`
`Promotional Purchase Summary
`Promotional
`Promotional
`Expiration
`Balance
`Date
`07/12/2018
`$74.94
`$5,433.04
`UNTIL PAID OFF
`A summary of your promotional purchase is provided above.
`If you have a DEFERRED INTEREST/NO INTERESTIF PAID IN FULL promotion: To avoid paying Deferred Interest Charges
`on these promaotion(s), you must pay the entire applicable Promotional Balance by the Promational Expiration Date. Ona
`Fixed Payment (Extended Payment Plan) promotional purchase, the Interest Chargeis billed monthly and included as part of
`the Minimum Payment due.
`
`Billed
`Interest Charge
`
`Description
`
`Fixed Payment Reduced Apr
`
`Initial
`Purchase
`Amount
`$6,000.00
`
`To make more than one payment see Make Payment To address or pay online at mysynchrony.com.
`
`04/17/2020
`
`04/17/2020
`
`Transaction Summary
`Post Date|Reference Number
`FEES
`LATE FEE
`TOTAL FEES FOR THIS PERIOD
`INTEREST CHARGED
`INTEREST CHARGE ON PURCHASES
`TOTAL INTEREST FOR THIS PERIOD
`2020 Totals Year-to-Date
`[Total Fees Charged in 2020
`Total Interest Charged in 2020
`[Total Interest Paid in 202G
`
`04/24/2020
`
`“NOTICE: See reverse side and additional pages {if any) for important information concerning your account.
`DFH
`1
`F
`22
`200424
`BX PAGE 1 of 3
`39072
`3600
`cedIg O1DGS302
`
`5302
`
`Pay online at mysynchrony.com or enclose this coupon with your check. Please use blue or black ink.
`Past Due
`
`Total Minimum
`Payment Due
`
`$1,239.00
`
`Payment
`Due Date
`Q5/17/2020
`
`New
`Balance
`$6,243.35 Ee O17 S
`
`Account Number
`
`Amount $1,454.00
`ramenterctores: SETWTIII. CILI
`New address or e-mail?
`LC] Checkthe boxatleft and
`Print changes on back
`
`Payment due includes § 1,239.00 past due. Please pay the past due amount PROMPTLY.
`
`KAYLA A LANNOTTI
`7925 MERRILL RD APT 2009
`JACKSONVILLE FL 22277-6540
`
`Make Payment to: SYNCHRONY BANK
`PO BOX 960061
`ORLANDO, FL 32896-0061
`
`

`

`Interest Charge Calculation
`
`Type of Balance
`
`Purchases
`Fixed Payment Reduced Apr
`
`Cardholder News & Information
`
`Expiration Date
`
`NA
`UNTIL PAID OFF
`
`Annual
`Percentage
`Rate (APR)
`26.99%
`16.90%
`
`Balance Subject to
`Interest Rate
`
`Interest Charge
`
`$771.95
`$5,394.22
`
`$17.13
`$74.94
`
`CONTACT THIS OFFICE AT THE PHONE NUMBER LISTED ON YOUR STATEMENT.
`
`We are also aware that someof our cardholders may experiencefinancial hardship as a result of COVID-19. If you are
`impacted, please contact us to discuss how we can help. We encourage you to use our online and mobile servicing tools. To
`register or log in to your account, visit the www.CareCredit.com page or go to www.CareCredit.com/app to download the mobile
`app.
`In order to protect your account privacy, we are unable to provide account information to anyone other than the cardholder(s) or
`an authorized party. If you wish to permit us to speak to an authorized party such as a spouse about your account, please send
`written authorization to the General Inquiries address.
`You can pay your bill online or over the phone. We noticed you've been enjoying our easy paperless payment options, so we
`will no longer be including return envelopes. You can makethings even easier by selecting the paperless statement cption on
`your accountonline.
`YOUR ACCOUNT IS PAST DUE. PLEASE PAY THE MINIMUM PAYMENT DUE OR
`
`Weare here to support you and are working hard to ensure our CareCredit team members can continue to provide you with
`uninterrupted, dependable service. As COVID-19 and its impact continue to evolve and develop, we remain focused on the
`health and safety of our employees and our communities, as well as our commitment to you, cur cardholders.
`
`5302
`
`DFH
`
`1
`
`TF
`
`22
`
`200424
`
`EX PAGE 2 of 3
`
`3072
`
`3600
`
`c6EJgg9 O1DGS302
`
`

`

`5302
`
`DFH
`
`1
`
`TF
`
`22
`
`200424
`
`EX PAGE 3 of 3
`
`3072
`
`3600
`
`cEJg O1DGS302
`
`

`

`KAYLA A IANNOTTI
`CARECREDIT/SYNCHRONY BANK
`Account Number: HiiEEE0175
`Statement Closing Date:
`11/24/2019
`
` If you would like information about credit counseling services,
`
`Summary of Account Activity
`Previous Balance
`+ New Purchases
`-
`Payments
`+/- Credits, Fees & Adjustments (net)
`+/-
`Interest Charge (net)
`New Balance
`
`Credit Limit
`Available Credit
`Days in Billing Period
`
`$5,686.28
`$0.00
`$177.00
`$11.00
`$81.53
`$5,601.81
`
`$6,000.00
`$398.00
`30
`
`Pay online for free at: mysynchrony.com
`For Synchrony Bank customer service or to report your
`card lost or stolen, call (1-866-893-7864).
`Best times to call are Wednesday- Friday.
`
`Payment Information
`New Balance
`Minimum Payment This Period
`Amount Past Due
`Total Minimum Payment Due
`Payment Due Date
`PAYMENT DUE BY 5 P.M. EASTERN ON THE DUE DATE.
`We may convert your paymentinto an electronic debit. See
`reverse side.
`
`$5,601.81
`$205.00
`$194.00
`$399.00
`12/17/2019
`
`Late Payment Warning: If we do not receive your Total
`Minimum Payment Due by the Payment Due Date listed above,
`you may haveto paya late fee up to $39.00.
`Minimum Payment Warning: Making only the Total Minimum
`Payment Duewill increase the amountof interest you pay and
`the time it takes to repay your balance. For example:
`If you make no
`You will pay off
`|And you will end up
`additional charges |the balance shown!|paying an estimated
`using this card and| on this statement
`total of ...
`each month you
`in about...
`Pay..-
`Only the minimum
`payment
`
`$7,469.00
`
`4 years
`
`call 1-877-302-8797.
`
`5302
`
`“NOTICE: See reverse side and additional pages {if any) for important information concerning your account.
`DFH
`1
`F
`22
`191124
`DPAGE 1 of 4
`3072
`3600 C6I9 O1DGS302
`Pay online at mysynchrony.com or enclose this coupon with your check. Please use blue or blackink.
`Total Minimum
`Past Due
`New
`Amount
`Balance
`Payment Due
`$194.00
`$5,601.81
`
`Payment
`
`12/17/2019
`
`Account Number
`
`Due Date $399.00
`LIL ILILIW. LILI
`
`New address or e-mail?
`Check the box at left and
`Print changes on back
`
`Payment Enclosed: $
`Payment due includes $ 184.00 past due. Please pay the past due amount PROMPTLY.
`
`KAYLA A IANNOTTI
`7925 MERRILL RD APT 2009
`JACKSONVILLE FL 32277-6540
`
`Make Payment to: SYNCHRONY BANK
`PO BOX 960061
`ORLANDO, FL 32896-0061
`
`

`

`Promotional Purchase Summary
`Promotional
`Promotional
`Expiration
`Balance
`Date
`07/12/2018
`$70.25
`$5,063.86
`UNTIL PAID OFF
`A summary of your promotional purchaseis provided above.
`If you have a DEFERRED INTEREST/SNO INTEREST IF PAID IN FULL promotion: To avoid paying Deferred Interest Charges
`on these promotion{s), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. Ona
`Fixed Payment (Extended Payment Plan) promotional purchase, the Interest Charge is billed monthly and included as part of
`the Minimum Payment due.
`
`Billed
`Interest Charge
`
`Description
`
`Fixed Payment Reduced Apr
`
`Initial
`Purchase
`Amount
`$6,000.CO
`
`statement.
`
`To make more than one payment see Make Payment To address or pay online at mysynchrony.com.
`
`Transaction Summary
`Post Date_|Reference Number
`
`10/31/2019
`10/31/2019
`
`10/31/2019
`10/31/2019
`
`11/17/2019
`
`11/17/2019
`
`11/24/2019
`
`11/24/2019
`
`F9072009GCO0O0LF304
`85348129G010LL42H
`
`REFUND OF LATE FEES
`PAYMENT - THANK YOU
`FEES
`LATE FEE
`TOTAL FEES FOR THIS PERIOD
`INTEREST CHARGED
`INTEREST CHARGE ON PURCHASES
`TOTAL INTEREST FOR THIS PERIOD
`2019 Totals Year-to-Date
`Total Fees Charged in 2019
`Total Interest Charged in 2019
`‘Total Interest Paid in 2019
`
`($28.00)
`($177.00)
`
`Interest Charge Calculation
`
`Type of Balance
`
`Purchases
`Fixed Payment Reduced Apr
`
`NA
`UNTIL PAID OFF
`
`Annual
`Percentage
`Rate (APR)
`26.99%
`16.90%
`
`Balance Subject to
`Interest Rate
`
`Interest Charge
`
`$508.07
`$5,057.15
`
`$11.28
`$70.25
`
`New Promotional Financing Plans
`This notice is to let you know about some promotional financing plans that may be available for you when you use your card for
`future purchases. This is only a summary cf key terms. At times, we may offer you other promotional financing plans for
`certain purchases. Details of available promotions will be provided to you at the time of your transactions. Not all plans orall
`plan periods will be available at every retailer. For purposes of this notification, your
`Purchase Annual Percentage Rate
`("APR") is 26.99% See the Interest Charge Calculation section of this billing statement to determineif this APR is variable.
`If a
`{v) is shown next to your APR, this APR will vary with the market based on the prime rate. Subject to credit approval. Regular
`account terms apply to non-preomotional purchases and, after promotion ends, to promotional purchase.
`No Interest if Paid Within Promotional Period
`{These can be advertised as Deferred Interest promotions)
`Under this promotion, no Interest Charges will be assessedif the promotional purchase balance is paid in full within the
`premational period. If the promotional purchase balanceis not paid in full by the end of the promotional period, interest will be
`imposed from the date of purchase atthe Purchase APRstated above. Minimum or fixed monthly payments are required. This
`promotion may be offered for periods of 6, 12, 18, or 24 months.
`
`Please Keep this for your records.If you have any questions, please call us at the Customer Service number shown on your
`
`5302
`
`DFH
`
`1
`
`FT
`
`22
`
`191124
`
`DPAGE 2 of 4
`
`3072
`
`3600
`
`c6EJg9 O1DGS302
`
`

`

`Cardholder News & Information
`In order to protect your account privacy, we are unable to provide accountinformation to anyone other than the cardholder(s) or
`an authorized party. If you wish to permit us to speak to an authcrized party such as a spouse about your account, please send
`written authorization to the General Inquiries address.
`You can pay your bill online or over the phone. We noticed you've been enjoying our easy paperless payment options, so we
`will no longer be including return envelopes. You can make things even easier by selecting the paperless statement option on
`your account online.
`Synchrony Bank may continue 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.
`PLEASE READ THE IMPORTANT CHANGE-IN-TERMS NOTICE INCLUDED ON THIS BILLING STATEMENT. THIS
`NOTICE MAKES CHANGES TO THE CARDHOLDER AGREEMENT GOVERNING YOUR ACCOUNT.
`YOUR ACCOUNT IS PAST DUE. PLEASE PAY THE MINIMUM PAYMENT DUE OR
`
`CONTACT THIS OFFICE AT THE PHONE NUMBER LISTED ON YOUR STATEMENT.
`
`5302
`
`DFH
`
`1
`
`TF
`
`22
`
`191124
`
`DPAGE 3 of 4
`
`3072
`
`3600
`
`c6EJgg9 O1DGS302
`
`

`

`Important Changes to Your Account Terms
`The following is a summary of changes that are being made to your account terms. Unless
`otherwise noted, these changeswill take effect on 01/24/20.
`
`Late Payment Fee
`
`Upto $40.
`
`Additional Information about the Late Payment Fee change
`Weare increasing the Late Payment Fee applicable to your account. The Late Payment Fee terms
`in your credit card agreementwill be replaced with the Late Payment Fee terms shown below.
`Please keep this important documentfor your records.
`“Late Payment Fee
`We will charge this fee if we do not receive the total minimum payment due on your account by 5
`p.m. (ET) on the due date. This fee is equal to:
`1. $29, if you have paid your total minimum payment due by the due date in each of the prior six
`billing cycles;
`oR
`2. $40, if you have failed to pay your total minimum payment due by the due date in any one or
`more of the prior six billing cycles.
`‘The late payment fee will never be morethan the total minimum payment that was due."
`Minimum Payment: We are changing the total minimum payment calculation on your account. The
`Minimum Payment Calculation terms in your credit card agreement will be replaced with the
`Minimum Payment Calculation terms shown below. Please keep this important document for your
`records.
`
`minimum payment will never be more than your new balance."
`
`“Minimum Payment Calculation
`Your total minimum paymentis calculated as follows.
`The sum of:
`a. For the new balance shown on your billing statement (excluding any balance attributable to a
`special promotional purchase with a unique paymentcalculation), the greater of:
`(i) S29; or
`(ii) 3.25% of the new balance shown on your billing statement; or
`iii) The sum of 1% of your new balance shown on your billing statement plus interest and late
`payment fees charged in the current billing cycle; PLUS
`b. Any past due amounts; PLUS
`c. Any payment due in connection with a special promotional purchase with a unique payment
`calculation.
`
`We round up to the next highest whole dollar in figuring your total minimum payment. Your total
`
`5302
`
`DFH
`
`1
`
`TF
`
`22
`
`191124
`
`DPAGE 4 of 4
`
`3072
`
`3600
`
`c6EJgg9 O1DGS302
`
`