16-2024-SC-006075-AXXX-MA Div: CC-N
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`Filing # 195020045 E-Filed 03/28/2024 12:22:33 PM
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`IN THE COUNTY COURT IN AND FOR DUVAL COUNTY, FLORIDA
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`CASE NO.:
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`MIDLAND CREDIT MANAGEMENT, INC.
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`Plaintiff,
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`vs.
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`BRIANA MCCLENDON-DU A/K/A BRIANA MCCLENDON-DUFFY,
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`Defendant.
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`____________________________/
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`COMES NOW the Plaintiff, MIDLAND CREDIT MANAGEMENT, INC., by and through its
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`undersigned counsel, and
`sues Defendant, BRIANA MCCLENDON-DU A/K/A BRIANA
`MCCLENDON-DUFFY, and states as follows:
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`COMPLAINT
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`GENERAL ALLEGATIONS
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`1. This is an action for damages that are within the jurisdictional limits of this court exclusive of
`costs.
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`2. Venue of this action is proper in the county named above because the Defendant is a resident of
`this county and/or because the Defendant executed the subject agreement in this county.
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`3. Plaintiff, MIDLAND CREDIT MANAGEMENT, INC. (hereinafter “Plaintiff”), is a
`DELAWARE LIMITED LIABILITY COMPANY, authorized to do business in Florida.
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`4. Plaintiff and its predecessors have duly performed all promises and conditions precedent as
`required.
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`5. This is an attempt to collect a debt and any information obtained herein will be used for that
`purpose.
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`COUNT I – ACCOUNT XXXXXXXXXXXX2709
` ACCOUNT STATED
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`Plaintiff readopts and re-alleges allegations one (1) through five (5) above and further states as
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`follows:
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`6. This is an action for damages that are within the jurisdictional limits of this court exclusive of
`costs.
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`ACCEPTED: DUVAL COUNTY, JODY PHILLIPS, CLERK, 03/31/2024 05:08:56 AM
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`7. Upon Defendant’s request, the original creditor, THE BANK OF MISSOURI, issued a credit
`account in the name of Defendant bearing the account number XXXXXXXXXXXX2709.
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`8. Prior to the commencement of this action, Plaintiff acquired Defendant’s account originated by
`THE BANK OF MISSOURI and as such is entitled to all rights originally bestowed upon the
`original creditor. See attached Exhibit “A”.
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`9. Although demands have been made by Plaintiff upon Defendant for payment, Defendant has
`failed or refused to pay the amount due and owing on the account.
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`10. Before the institution of this action, Plaintiff’s predecessor in interest and the Defendant had
`business transactions between them where the parties agreed upon a resulting balance. Plaintiff
`is an assignee and as such obtains all rights of the original creditor to be repaid.
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`11. There are no unresolved billing disputes made in response to receiving the account statements
`and, therefore, there is a prima facie case establishing the correctness of the account balance.
`See, Farley v. Chase Bank, USA, NA, 37 So. 3d 936 (Fla. 4th DCA 2010). Copies of any available
`statements are attached hereto and incorporated herein as Composite Exhibit “B”.
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`12. By submitting payments in response to the monthly statements rendered and delivered by the
`original creditor, the Defendant accepted the resulting balance.
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`13. After adjustment for any credits or payments made after charge-off of the account, Defendant
`owes Plaintiff the amount of $2,698.05.
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`WHEREFORE, as to Count I, Plaintiff respectfully requests this Honorable Court enter Judgment
`in its favor against Defendant in the sum of $2,698.05 together with Court costs as described herein and
`any other just and further relief as this Honorable Court deems just and proper.
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`COUNT II– ACCOUNT XXXXXXXXXXXXXX0002
`ACCOUNT STATED
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`Plaintiff readopts and re-alleges allegations one (1) through five (5) above and further states as
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`follows:
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`14. This is an action for damages that are within the jurisdictional limits of this court exclusive of
`costs.
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`15. Upon Defendant’s request, the original creditor, COMENITY CAPITAL BANK, issued a credit
`account in the name of Defendant bearing the account number XXXXXXXXXXXXXX0002.
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`16. Prior to the commencement of this action, Plaintiff acquired Defendant’s account originated by
`COMENITY CAPITAL BANK and as such is entitled to all rights originally bestowed upon the
`original creditor. See attached Exhibit “C”.
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`17. Although demands have been made by Plaintiff upon Defendant for payment, Defendant has
`failed or refused to pay the amount due and owing on the account.
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`18. Before the institution of this action, Plaintiff’s predecessor in interest and the Defendant had
`business transactions between them where the parties agreed upon a resulting balance. Plaintiff
`is an assignee and as such obtains all rights of the original creditor to be repaid.
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`19. There are no unresolved billing disputes made in response to receiving the account statements
`and, therefore, there is a prima facie case establishing the correctness of the account balance.
`See, Farley v. Chase Bank, USA, NA, 37 So. 3d 936 (Fla. 4th DCA 2010). Copies of any available
`statements are attached hereto and incorporated herein as Composite Exhibit “D”.
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`20. By submitting payments in response to the monthly statements rendered and delivered by the
`original creditor, the Defendant accepted the resulting balance.
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`21. After adjustment for any credits or payments made after charge-off of the account, Defendant
`owes Plaintiff, the amount of $1,145.98.
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`WHEREFORE, as to Count II, Plaintiff respectfully requests this Honorable Court enter Judgment
`in its favor against Defendant in the sum of $1,145.98 together with Court costs as described herein and
`any other just and further relief as this Honorable Court deems just and proper.
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`WHEREFORE in aggregate of the amounts owed in Count I, and Count II of the Complaint,
`Plaintiff, respectfully requests this Honorable Court enter Judgment in its favor against Defendant in the
`sum of $3,844.03 together with court costs as described herein and any other just and further relief as this
`Honorable Court deems just and proper.
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`Respectfully submitted,
`ANDREU, PALMA, LAVIN, & SOLIS, PLLC
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`_________________________________
`887 Donald Ross Road
`Juno Beach, FL 33408
`Tel. (877)229-5972
`Fax. (800)391-2178
`Email: eservice@andreupalma.com
`2405000338
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`EXHIBIT A
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`

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`BILL OF SALE
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`THIS BILL OF SALEdated July 25, 2022, is by Fair Square Financial, LLC, a Delaware
`limited liability company (“Seller”)
`to Midland Credit Management,
`Inc., a Kansas
`corporation ("Buyer").
`
`For value received and subject to the terms and conditions of that certain Credit Card
`Accounts Sale Agreement, dated December 20, 2019, by and between Seller and Buyer (the
`“Agreement”), which by reference is incorporated herein, Seller does hereby transfer, sell,
`assign, convey, grant, bargain, set over and deliver to Buyer, and to Buyer's successors and
`assigns, the Accounts identified in the Sale File named Ally Credit Card Debt Sale File
`202207 and dated on or about July 18, 2022 and as further described in the Agreement.
`Capitalized terms not defined herein shall have the definition ascribed in the Agreement.
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`The information containedin the Sale File (collectively, “Seller’s Accounts Information’’)is
`true and complete as of the Closing Date. Further, all of the information containedin Seller’s
`Accounts Information (a) constitutes Seller’s own business records regarding the Accounts,
`and (b) accurately reflects in all material respects the information about the Accounts in
`Seller’s possession. All of Seller’s Accounts Information has been kept in the regular course
`of Seller’s business, and was made or compiledat or near the time of the event and recorded
`by (or from information transmitted by) a person (i) with knowledge ofthe data entered into
`and maintainedin Seller’s business records,or (ii) who causedthe data to be entered into and
`maintained in Seller’s business records.
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`SELLER:
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`FAIR SQUARE FINANCIAL LLC
`
`By: Steve Linehan
`* Steve Linehan (Oct 19, 2022 13:59 EDT)
`Name:__Steve Linehan
`Title:
`Chief Financial Officer
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`BUYER:
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`MIDLAND CREDIT MANAGEMENT,INC.
`
`eas Wnt ams
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`pp fault.aie
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`—
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`Name:DanielleWohlfehrt
`Title:
`_VP of Business Development
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`

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`CLOSING STATEMENT
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`Sale ID: FSF_MCM_202207
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`DATE OF CREDIT
`CARD ACCOUNTS
`SALE AGREEMENT:
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`December 2019 amended May 2020 amended September
`2020 amended May 2021 amended April 2022
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`SELLER:
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`FAIR SQUAREFINANCIAL, LLC
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`MIDLAND CREDIT MANAGEMENT,INC.
`BUYER:
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`July 18, 2022
`CUT-OFF DATE:
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`CLOSING DATE:
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`July 25, 2022
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`SALE FILE NAME:
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`Ally Credit Card Debt Sale File 202207
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`ACCOUNTS IN SALE
`FILE:
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`AGGREGATE
`BALANCE OF
`ACCOUNTS IN SALE
`FILE:
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`PURCHASEPRICE
`PERCENTAGE:
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`PURCHASEPRICE
`FOR ACCOUNTSIN
`SALE FILE:
`
`
`WIRING
`INSTRUCTIONS:
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` NUMBER OF
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`

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`LOAN ACCOUNT ASSIGNMENT
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`location in
`The Bank of Missouri (“Bank”), a Missouri state-chartered bank having its principal
`Perryville, Missouri, as successor by merger to Mid America Bank & Trust Company (“MABTC’”),as the
`seller under that certain Receivable Sales Agreement dated May 31, 2016, by and between MABTC and
`Fair Square Financial, LLC, (“Fair Square”) and accepted by Bank pursuant to that certain Assignment
`and Assumption Agreement by and between Bank, MABTC and Fair Square, dated March 22, 2018, as
`such Receivable Sales Agreement was amended and restated by Bank and Fair Square as of January 1*
`2019 (the “Agreement’”), does hereby transfer, assign, set over and convey to Fair Square as purchaser
`under the Agreement, without recourse, but subject to the terms and conditions of the Agreement, all
`right, title and interest of Bank in and to each of the Loan Accounts listed on the loan schedule (“Loan
`Account Schedule”), attached hereto as Exhibit A, together with the account documents andall rights and
`obligations arising under the documents contained therein.
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`Fair Square, on Bank’s behalf, is hereby authorized by Bank to, and shall record on the Loan Account
`Schedule attached hereto the date, amount, and loan account number of any Loan Account transferred by
`Bank to Fair Square, provided that failure to make any such recordation on such Loan Account Schedule
`or any error in such Loan Account Schedule shall not adversely affect Fair Square’s rights with respect to
`the Loan Accounts. Fair Square shall be solely responsible for complying with all laws, rules and
`regulations applicable to the Loan Accounts and agrees to defend and indemnify the Bank with respect to
`the same as set forth in the Agreement. As set forth in Section 36 of the Agreement, this Assignmentis
`subject to the policies and procedures the Bank may require from timeto time.
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`Capitalized terms used herein and not otherwise defined shall have the meanings set forth in the
`Agreement.
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`DATED:July 1, 2022
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`The Bank of Missouri:
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`By:
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`Mark Barker (Jul 18, 2022 12:44 CDT}
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`_ Mark Barker
`Name
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`Chief Contract Services Officer
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`Title:
`
`

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`EXHIBIT A
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`Loan Accounts Schedule
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`The individual Accounts described in the final electronic file named FSF Debt Sale File
`202207.xlsx and delivered by Bank to FSF on July 1, 2022, the same deemedattached hereto by
`this reference.
`
`

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`BILL OF SALE
`
`THIS BILL OF SALEdated July 25, 2022, is by Fair Square Financial, LLC, a Delaware
`limited liability company (“Seller”)
`to Midland Credit Management,
`Inc., a Kansas
`corporation ("Buyer").
`
`For value received and subject to the terms and conditions of that certain Credit Card
`Accounts Sale Agreement, dated December 20, 2019, by and between Seller and Buyer (the
`“Agreement”), which by reference is incorporated herein, Seller does hereby transfer, sell,
`assign, convey, grant, bargain, set over and deliver to Buyer, and to Buyer's successors and
`assigns, the Accounts identified in the Sale File named Ally Credit Card Debt Sale File
`202207 and dated on or about July 18, 2022 and as further described in the Agreement.
`Capitalized terms not defined herein shall have the definition ascribed in the Agreement.
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`The information containedin the Sale File (collectively, “Seller’s Accounts Information’’)is
`true and complete as of the Closing Date. Further, all of the information containedin Seller’s
`Accounts Information (a) constitutes Seller’s own business records regarding the Accounts,
`and (b) accurately reflects in all material respects the information about the Accounts in
`Seller’s possession. All of Seller’s Accounts Information has been kept in the regular course
`of Seller’s business, and was made or compiledat or near the time of the event and recorded
`by (or from information transmitted by) a person (i) with knowledge ofthe data entered into
`and maintainedin Seller’s business records,or (ii) who causedthe data to be entered into and
`maintained in Seller’s business records.
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`SELLER:
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`FAIR SQUARE FINANCIAL LLC
`
`By: Steve Linehan
`* Steve Linehan (Oct 19, 2022 13:59 EDT)
`Name:__Steve Linehan
`Title:
`Chief Financial Officer
`
`BUYER:
`
`MIDLAND CREDIT MANAGEMENT,INC.
`
`eas Wnt ams
`
`pp fault.aie
`
`—
`
`Name:DanielleWohlfehrt
`Title:
`_VP of Business Development
`
`

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`CLOSING STATEMENT
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`Sale ID: FSF_MCM_202207
`
`
`DATE OF CREDIT
`CARD ACCOUNTS
`SALE AGREEMENT:
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`December 2019 amended May 2020 amended September
`2020 amended May 2021 amended April 2022
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`SELLER:
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`FAIR SQUAREFINANCIAL, LLC
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`MIDLAND CREDIT MANAGEMENT,INC.
`BUYER:
`
`
`July 18, 2022
`CUT-OFF DATE:
`
`
`CLOSING DATE:
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`July 25, 2022
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`
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`SALE FILE NAME:
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`Ally Credit Card Debt Sale File 202207
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`ACCOUNTS IN SALE
`FILE:
`
`AGGREGATE
`BALANCE OF
`ACCOUNTS IN SALE
`FILE:
`
`PURCHASEPRICE
`PERCENTAGE:
`
`PURCHASEPRICE
`FOR ACCOUNTSIN
`SALE FILE:
`
`
`WIRING
`INSTRUCTIONS:
`
` NUMBER OF
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`

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`PORTFOLIO LEVEL AFFIDAVIT OF SALE
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`STATE OF DELAWARE
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`COUNTY OF NEW CASTLE
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`On July 19, 2022, Greg Permar (“Affiant”) being duly sworn, deposesandsays:
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`I am over 18 and not a party to this action. I am a/an Director, Collections and Fraud
`1.
`Strategy of Fair Square Financial, LLC (“Seller”). In that capacity and as part ofmy regularjob
`duties, I have custody of certain business records of Seller, routinely review such business
`records, and am familiar with Seller’s processes for the sale and assignment of accounts and
`business records, including those that are maintained in electronic form.
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`Seller owns certain accounts, and maintains and records information in the records as
`Dz
`they relate to such accounts. I am authorized to make the statements and representations set
`forth in this affidavit on behalf of Seller. The statementsset forth herein are true andcorrect to
`the best of my knowledge, information, and belief, based on either personal knowledge or
`review of the business records ofSeller. If called upon as a witness, I can testify competently
`to the facts contained herein.
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`Myregular job duties include having knowledge of, and access to, business records
`oN
`relating to the Accounts (as defined below). These records are kept by Seller in the regular
`course ofbusiness, and it was in the regular course of business of Seller, for an employee or
`representative with personal knowledge of the act, event, condition, or opinion recorded to
`make memorandum or records or to transmit information thereof to be included in such
`memorandum orrecords, and the records were madeat or near the time of the act and/or event
`recorded or reasonably soonthereafter.
`.
`
`On or about July 18, 2022, Seller sold EBeee) ofcharged-off accounts (the “Accounts”)
`a
`by a Credit Card Accounts SaleAgreement to Midland Credit Management, Inc. (“Buyer”).
`The creditor on the date the Account was charged-off was The Bank of Missouri.
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`Pursuantto the sale, Seller sold, transferred, assigned, conveyed, granted, bargained,set
`De
`over and delivered to Buyer and its successors and assigns, good and marketable title to the
`Accounts and any unpaid balance free and clear of any encumbrance, equity, lien, pledge,
`charge, claim or security interest. I am not aware ofany errors in the Accounts.
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`In connection with the sale of the Accounts, electronic and other records were
`oF
`transferred to or otherwise made available to the Buyer (the “Transferred Records”). The
`Transferred Records have been kept in the regular course of Seller’s business, and were made
`or compiled at or near the time of the event and recorded by (or from information transmitted
`by) a person (i) with knowledge of the data entered into and maintained in Seller’s business
`records, or (ii) who caused the data to be entered into and maintained in Seller’s business
`records. To the extent that the Transferred Records include records that were prepared by a
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`
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`

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`third party, they are records that were incorporated into the recordsof Seller as a business record
`and the accuracy of suchrecords are relied upon by Seller in the regular course of business.
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`7,
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`I certify under penalty of perjury that the foregoing is true and correct.
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`FURTHER AFFIANT SAYETHNOT.
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`Signed this 19" day of July, 2022.
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`Ly
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`ignature of Affiant
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`S
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`leLOun Perma
`Printed nie ofAffiant
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`Subscribed and sworn to before me this 19" day of July, 2022, by Greg Permar, Director,
`Collections and Fraud Strategy, of Fair Square Financial, LLC.
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`Gregory Tawes Mee se
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`Notary Public
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`Notary Stamp/Seal:
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`My commission expires: F/ F/ LOC ay
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`GREGORY JAMES MEESE
`NOTARY PUBLIC
`STATE OF DELAWARE
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`My Commission Expires July 07 2023
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`

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`CERTIFICATE OF CONFORMITY
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`STATE OF DELAWARE
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`CITY OF WILMINGTON
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`The undersigned does hereby certify that the undersignedis an attorney at law duly admitted to
`practice in the State of Delaware, andis a resident of West Chester, in the state ofPennsylvania;
`that the undersigned is a person duly qualified to make this certificate of conformity pursuant
`to the laws of the State of Delaware: that the foregoing acknowledgmentby Greg Permar named
`in the foregoing instrument taken before Gregory Meese a notaryin the State of Delaware was
`taken in the mannerprescribed by such lawsofthe State of Delaware, being the State in which
`it wastaken; and that it duly conforms with such laws andis in all respects valid and effective
`
`> 119 [Z0@2
`
`Date
`
`LIZAti
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`Attorney“at law for the State of Delaware
`
`

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`EXHIBIT B
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`

`

`Cardmember
`BRIANA MCCLENDON-DU
`
`Ollo Mastercard
`Ending in 2709
`
`Page
`1 of 2
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`
`
`ATELeULa
`New Statement Balance
`
`Minimum Payment Due
`
`Payment Due Date
`Past Due Amount
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`$2,698.05
`
`$603.00
`
`06/28/2022
`$576.00
`
`
`
`Summary of AccountActivity
`Statement Closing Date
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`Previous Balance
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`- Payments
`- Other Credits
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`06/03/2022
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`$2,698.05
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`$0.00
`$0.00
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`+Purchases
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`$0.00
`
`If we do not receive your minimum payment by the
`Late Payment Warning:
`$0.00
`+Cash Advances
`date listed above, you may have to paya late fee of up to $40.00.
`$0.00
`+Other Debits
`Minimum Payment Warning:
`Ifyou make only the minimum payment each
`period, youwill pay more in interest andit will take you longerto payoff your
`+Fees Charged
`$0.00
`balance. For example:
`
`+Interest Charged
`$0.00
`If you make no
`additional charges
`New StatementBalance
`$2,698.05
`using this card and
`Credit Limit
`$2,300.00
`.
`each month
`;
`you pay...
`Available Credit
`hA
`Limi
`anonlythe t a
`Cash
`AccessLimit
`me
`Available for Cash
`For information about Credit Counseling Services,call 1-877-413-6322
`
`Youwill pay offthe
`balance shown onthis
`statement in about...
`
`And youwill end up
`paying an estimated
`totalof...
`
`$2,698.00
`
`-$398.00
`:
`$690.00
`$0.00
`
`
`
`
`
`
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`
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`ForOllo account servicing, visit ollocard.com orcall 1-877-494-0020
`
`
`
`Transactions
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`
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`Trans Date|Post Date|Reference Description Amount
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`Fees
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`06/03
`06/03
`
`06/03
`06/03
`
`TOTAL FEES FOR THIS PERIOD
`Interest Charged
`Interest Charge on Purchases
`Interest Charge on Cash Advances
`
`$0.00
`
`$0.00
`$0.00
`
`1104
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`XNH
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`1
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`7
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`2
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`220603
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`0
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`X PAGE 1 of 3
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`10 2112
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`1000
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`FSF1
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`©1AA1104
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`Pay online at ollocard.com -
`It's the fastest way to pay
`
`V Detach the bottom portion and return payment using enclosed envelope to be received no later than by 5 p.m. on the due date Vv
`
`
`Payment Due Date
`Account NumberEnding
`June
`$2,698.05
`New Statement Balance
`S$ MTWHTEFS
`1/2|3/4
`$603.00
`Minimum Payment Due
`5|6/7 18/9 /|10|11
`06/28/2022
`Payment Due Date
`
`12|13|14 |15|16|17|18
`Please make checks payable to:
`
`Ollo Card Services
`Amount
`
`Enclosed $
`
`
`
`pC
`26 |27|28 bg 30
`
`
`
`19|20-24-22|23 |24|25
`
`
`
`
`
`
`
`
`New address, phone numberor e-mail? Checkthe
`boxto the left and print changes on back.
`
`OLLO CARD SERVICES
`P.O. BOX 660371
`DALLAS TX 75266-0371
`
`BRIANA MCCLENDON-DU
`1218 LUGAR ST
`JACKSONVILLE FL 32211-8848
`
`

`

`Important Information about this Account
`Payments
`Online Payments: You maypay online at ollocard.com. Payments madeonlinewill be credited as of the date
`of receipt if made by 11:59 p.m.Eastern Time.
`Payments by Mail: We credit mailed payments as of the date received, if the paymentis: (1) received by
`5 p.m. local time at the address shown onthe remittanceslip on the front of your statement; (2) paid with
`a check drawnin U.S. dollars on a U.S.financialinstitution or a U.S. dollar money order; and (3} sent in the
`return envelope with only the remittance portion of your statement accompanyingit. Payments received by
`mail after 5 p.m. localtime at the remittance address on any day including the Payment Due Date,but that
`otherwise meetthe above requirements,will be credited as of the next day. Credit for any other payments
`may be delayed up to 5 days. Please allow 7 to 10 days for your mailed payment check to reach us by mail.
`We process most payment checks electronically by using the information found on your check. Each check
`authorizes us to create a one-time electronic funds transfer(or process it as a checkor paperdraft). Funds
`may be withdrawnfrom your account as soon as the same day wereceive your payment. Checks are not
`returned to you.
`Payments by Phone: You maycall us to pay by phone at 1-877-494-0020. Payments made by phonewill
`be credited as of the date of receiptif made by 11:59 p.m. Eastern Time. Note: When using the optional
`pay-by-phoneservice, you authorize usto initiate an electronic payment from your accountatthe financial
`institution you designate. You must authorize the amount and timing of each payment. To cancel, call us
`before the scheduled payment due date.
`How weCalculate yourInterest Charges
`Average Daily Balance Method(including new transactions): We figure the interest charge on your account
`by applying the “daily periodic rate” (DPR) to the “averagedaily balance”. The daily periodic rate is calculated
`by dividing the APR by 365. The averagedaily balance for Purchases, BalanceTransfers and Cash Advance
`categories are calculated separately. To get the average daily balance wetake the beginning balance of your
`Account each day, addto its respective category any new Purchases, Cash Advances,BalanceTransfers,
`and/or applicable fees, and subtract payments and/orcredits. This gives us the daily balance for each day,
`exceptthatif the daily balance is negative, we treat it as zero. We then add upall of the daily balances for
`eachcategory and divide by the numberof daysin thebilling cycle. This gives us the average daily balance
`for each balance category. The interest charged for each balance category equals the average daily balance
`for that balance category times the applicable DPR times the numberof daysin thebilling cycle. The results
`are then added together to determinethe total interest chargeforthebilling cycle. To the extentinterest
`comprises any part of your Average Daily Balance, compoundingofinterest will occur.
`WhenInterest Begins to Accrue on Purchases, Balance Transfers and Cash Advances:Interest on Purchases,
`Cash Advances and Balance Transfers accruesfrom the date of the transaction.If a transaction occurs in
`onebilling cycle but is not posted to your Accountuntil the next billing cycle, the transaction is added or
`subtracted on thefirst day of thebilling cycle in which the transaction is posted to your Account. You will not
`have to pay interest on Purchasesif you pay your New Statement Balancein full by the Payment Due Date
`shown on yourstatement, which shall not be less than 25 daysafter the close ofthebilling cycle.If you have
`been paying your Account balancein full and thereby avoiding interest on Purchases,but then do not pay
`the next New StatementBalanceinfull by the Payment Due Date,in that billing cycle wewill start charging
`interest on the unpaid portion of your balance. Unless otherwise disclosed in a promotionaloffer,there is
`no period in which credit extended may be paid withoutincurring interest on Cash Advancesor Balance
`Transfers.
`
`Available Credit
`Your Available Credit may be reduced by the amountof transactions authorized but not yet posted to your
`account. Payments posted to your account may not immediately result in credit availability.
`Lost or Stolen Card
`If your credit cardis lost or stolen, please contact us immediately at 1-877-494-0020.
`Whatto DoIf You Find a Mistake on Your Statement
`If you think there is an error on your statement, write to us at: Ollo Card Services PO. Box 9222, Old
`Bethpage, NY 11804
`In yourletter, give us the following information:
`¢ Accountinformation: Your name and account number.
`¢ Dollar amount: The dollar amountof the suspected error.
`© Description of problem:If you think there is an error on yourbill, describe what you believe is wrong
`and whyyoubelieve it is a mistake.
`You must contact us within 60 daysafter the error appeared on your statement.
`You mustnotify us of any potential errors in writing or electronically. You maycall us, butif you do we are
`not required to investigate any potential errors and you may have to pay the amountin question.
`While weinvestigate whetheror not there has been an error, the following are true:
`© We cannottry to collect any amountin question, or report you as delinquent on that amount. But, if we
`determine that we made a mistake,you will not have to pay us the amount in question or anyinterest
`or otherfees related to that amount.
`¢ The charge in question may remain on your statement, and we may continue to charge you interest
`on that amount.
`* While you do not have to pay the amount in question, you are responsible for the remainder of your
`balance.
`© We can apply any unpaid amount against your credit limit.
`Your Rights If You Are Dissatisfied with Your Credit Card Purchases
`If you are dissatisfied with the goodsor services that you have purchased with 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 amountdue on the purchase.
`To usethis right, all of the following mustbe true:
`1. The purchase must have been madein your home state 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 goodsor services.)
`2. You must have used your credit card for the purchase. Purchases made with cash advances from an
`ATM orwith a check that accesses yourcredit card account do not qualify.
`3. You must not yet havefully paid for the purchase.
`If all of the criteria above are met and you arestill dissatisfied with the purchase, contact us in writing at:
`Ollo Card Services
`P.O. Box 9222, Old Bethpage, NY 11804
`While weinvestigate, the samerules apply to the disputed amount as discussed above.After wefinish our
`investigation, we will tell you our decision. At that point,if we think you owe an amount and youdo not pay,
`we may report you as delinquent.
`Please refer to your Cardmember Agreement for complete Account terms and conditions.
`© 2020 Ollo Card Services.
`01AB1104 - 4 - 09/29/20
`
`
`How weAllocate your Payments
`Subject to anyrestrictions of applicable law, we will apply your payments to the balances on your Account
`in whatever manner we determine. Generally,if your Account has balances(including new transactions)
`with different APRs, wewill allocate the amount of your payment equal to the Minimum PaymentDueto the
`lowest APR balancesfirst. Payment amounts that exceed the Minimum Payment Due will be allocated to
`balances with higher APRs before balances with lower APRs.
`
`Contact Ollo
`
`2. Call us:
`1. Visit our website:
`3. Mail a payment:
`4. Write to us:
`ollocard.com
`1-877-494-0020
`P.O. Box 660371
`PO. Box 9222
`
`Dallas, TX 75266
`Old Bethpage, NY 11804
`
`Changeof Information:
`
`Name:
`
`
`
`Address:
`
`
`Street
`
`
`City
`
`State
`
`ZIP
`
`Phone Number:
`
`Email:
`
`

`

`O | | O
`
`Cardmember
`
`BRIANA MCCLENDON-DU
`
`Ollo Mastercard
`
`Ending in 2709
`
`Page
`
`2 of 2
`
`
`
`
`
`Transactions (continued)
`
`
`
`
`
`
`Trans Date|Post Date|Reference Description Amount
`
`TOTAL INTEREST FORTHIS PERIOD
`$0.00
`
`2022 Totals Year-to-Date
`
`
`
`$120.00
`Total fees charged in 2022
`Total interest charged in 2022
`$144.38
`
`
`Interest Charge Calculation
`Your Annual Percentage Rate (APR)is the annualinterest rate on your account
`Promotional Rate
`Balance Subject To
`Interest
`Type of Balance
`APR
`End Date
`Interest Rate
`Charge
`
`PURCHASES
`23.99% (V)
`$0.00
`$0.00
`
`CASH ADVANCES
`23.99% (V)
`$0.00
`$0.00
`Days in Billing Cycle: 31 (V) = Variable Rate
`
`
`
`
`
`See reverse side of page one for explanation of Interest Charge calculation.
`
`1104
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`O1AA1104
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`

`

`Cardmember
`BRIANA MCCLENDON-DU
`
`Ollo Mastercard
`Ending in 2709
`
`Page
`1 of 2
`
`TELL Lag
`New Statement Balance
`
`Minimum Payment Due
`
`Payment Due Date
`Past Due Amount
`
`
`
`$2,348.80
`
`$68.00
`
`11/28/2021
`$0.00
`
`Summary of AccountActivity
`Statement Closing Date
`
`Previous Balance
`
`- Payments
`- OtherCredits
`
`11/03/2021
`
`$2,213.05
`
`$167.00
`$0.00
`
`+Purchases
`
`$258.52
`
`
`
`
`tt
`
`ioe
`3 Years
`
`$5,575.00
`fee
`(Savings = 2,291.00)
`
`-$48.00
`$690.00
`$0.00
`
`If we do not receive your minimum payment by the
`Late Payment Warning:
`$0.00
`+Cash Advances
`date listed above, you may have to pay a late fee of up to $40.00.
`$0.00
`+Other Debits
`Minimum Payment Warning:
`Ifyou make only the minimum payment each
`period, youwill pay more in interest andit will take you longerto payoff your
`+Fees Charged
`$0.00
`balance. For example:
`
`+Interest Charged
`$44.23
`If you make no
`And you will end up
`Youwill pay offthe
`additional charges
`New Statement Balance
`$2,348.80
`paying an estimated
`balance shown onthis
`using this card and
`Credit Limit
`$2,300.00
`;
`each month
`statement in about...
`totalof...
`;
`
`you pay...
`Available Credit
`ninonythe
`Cash AccessLimit
`me
`Available for Cash
`$91.00
`.
`
`For information about Credit Counseling Services,call 1-877-413-6322
`
`For Ollo account servicing, visit ollocard.com orcall 1-877-494-0020
`
`
`
`Transactions
`
`
`
`
`Trans Date|Post Date|Reference Description Amount
`
`10/05
`10/05
`85379938NO0XTMKF9
`ONE TIME MOBILE PAYMENT WOODBURY NY
`$50.00-
`10/14
`10/14
`85379938Z00XTMKF8
`ONE TIME MOBILE PAYMENT WOODBURY NY
`$117.00-
`10/16
`10/16
`§5310209260VNZJ2N
`TG JACKSONVILLE 032-02 JACKSONVILLE FL
`$85.60
`10/16
`10/16
`023053792EHXRADZB
`PUBLIX #708 JACKSONVILLE FL
`$72.68
`10/17
`10/17
`§543286935SS8N7M0
`TOMMY BAHAMA JACKSONVI JACKSONVILLE FL
`$69.51
`10/17
`10/17
`§543286935SS8N7N1
`TOMMY BAHAMA JACKSONVI JACKSONVILLE FL
`$30.73
`
`
`
`
`
`
`
`
`
`1104 2=211103XNH 1 7 0 OPAGE 1 of 3 10 2112 1000 FSF1 O1AA1104
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`V Detach the bottom portion and return payment using enclosed envelope to be received no later than by 5 p.m. on the due date v
`
`
`Payment Due Date
`2709
`Account Number Ending
`Pay online at ollocard.com -
`
`
`New Statement BalanceIt's the fastest way to pay $2,348.80|November|- SMTWTHFS
`
`
`
`Minimum Payment Due
`$68.00 aPC
`
`71819 /10/11/12/13
`Payment Due Date
`11/28/2021
`
`14|15| 16/17 |18|19/20
`24192 |23|24|25|26|27
`28 |pa|30
`,—
`
`Amount
`Enclosed $
`
`
`
`
`
`Please make checks payable to:
`Ollo Card Services
`
`New address, phone numberor e-mail? Checkthe
`boxto the left and print changes on back.
`
`OLLO CARD SERVICES
`P.O. BOX 66037 1
`DALLAS TX 75266-0371
`
`BRIANA MCCLENDON-DU
`1218 LUGAR ST
`JACKSONVILLE FL 32211-8848
`
`

`

`Important Information about this Account
`Payments
`Online Payments: You maypay online at ollocard.com. Payments madeonlinewill be credited as of the date
`of receipt if made by 11:59 p.m.Eastern Time.
`Payments by Mail: We credit mailed payments as of the date received, if the paymentis: (1) received by
`5 p.m. local time at the address shown onthe remittanceslip on the front of your statement; (2) paid with
`a check drawnin U.S. dollars on a U.S.financialinstitution or a U.S. dollar money order; and (3} sent in the
`return envelope with only the remittance portion of your statement accompanyingit. Payments received by
`mail after 5 p.m. localtime at the remittance address on any day including the Payment Due Date,but that
`otherwise meetthe above requirements,will be credited as of the next day. Credit for any other payments
`may be