Filing # 195118845 E-Filed 03/29/2024 04:37:22 PM
`
`16-2024-SC-006145-AXXX-MA Div: CC-E
`
`ACCEPTED: DUVAL COUNTY, JODY PHILLIPS, CLERK, 03/31/2024 06:17:26 PM
`
`

`

`

`

`EXHIBIT A
`
`

`

`EXHIBITA
`
`BILL OF SALE
`
`Comenity Capital Bank (“Seller”), for value received and pursuant to the terms and
`conditions of that certain Credit Card Account Purchase Agreement dated October 25,
`2019 between Seller and Midland Credit Management, Inc. (“Purchaser”), its successors
`and assigns (“Credit Card Account Purchase Agreement”), hereby assigns effective as of
`the Closing Date of August 30, 2022 all rights, title and interest of Seller in and to those
`certain Accounts described in the Credit Card Account Purchase Agreement and
`Schedule | (the “Asset Schedule”) attached hereto and madepart hereoffor all purposes,
`to Purchaser.
`“Seller’s Accounts
`(collectively,
`The
`information contained in the Sale File
`Information”) is true and complete as of the File Creation Date. Further, all of the
`information contained in 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 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 maintainedin
`Seller’s business records. All capitalized terms used, but not defined, in this Bill of Sale
`shall have the meanings assigned to such term in the Credit Card Account Purchase
`Agreement,
`
`
`
`This Bill of Sale is executed without recourse exceptas stated in the Credit Card Account
`Purchase Agreementto whichthis is an Exhibit. No other representation of or warranty of
`title or enforceability is expressed or implied.
`
`Midland Credit Management,Inc,
`COMENITYCAPITAL BANK
`Vint Wrlis,—
`By: fu nul
`By:
`rtite
`11/1/22
`Date:
`Date: F/2//22
`
`Title: Chief Credit Officer Title_VP of Business Development
`
`i
`
`A
`
`

`

`SCHEDULE1 TO BILL OF SALE
`ASSET SCHEDULE
`
`The individual Accounts transferred pursuant to the Credit Card Account Purchase Agreement and
`Bill
`of
`Sale
`are
`described
`in
`the
`electronic
`file
`named
`MCMG_HF_AUG_2022_DPL_CCB.TXT;MCMG_HF_AUG_2022LCS_CCB.TXT delivered by
`Comenity Capital Bank to Midland Credit Management,
`Inc.
`on August 25,2022 and
`summarized in the table immediately below (the “Sale File”).
`
`
`
`File Creation Date
`
`# of Charged-off
`Accounts
`
`Aggregate Unpaid Balance
`
`Percent
`
`|
`
`

`

`EXHIBIT B
`
`CLOSING STATEMENT
`
`AGREEMENTDATE:
`
`October 25, 2019
`
`SELLER:
`
`PURCHASER:
`
`FILE NUMBER:
`
`NUMBEROF ACCOUNTS:
`
`TOTAL UNPAID BALANCE:
`PURCHASE PRICE
`PERCENTAGE:
`
`PURCHASEPRICE:
`
`COMENITY CAPITAL BANK
`
`
`Midland Credit Management, Inc.
`
`MCMG_HF_AUG_2022_DPL_CCB.TXT;
`MCMG_HF_AUG_2022_LCS_CCB.TXT
`
`
`
`FILE CREATION DATE:
`
`August 24, 2022
`
`
`CLOSINGDATE:
`
`August 30, 2022
`
`WIRING INSTRUCTIONS
`
`
`
`

`

`PORTFOLIO LEVEL AFFIDAVIT OF SALE BY ORIGINAL CREDITOR
`
`State of Utah
`
`§ C
`
`ounty of Salt Lake
`
`On[
`
`I.
`
`tN
`
`, Bruce A, Sweeten (“Affiant”) being duly sworn, deposes andsays:
`G | al am
`Tam over 18 and I am the Chief Credit Officer of Comenity Capital Bank(“Seller”). In that
`capacity and aspart of my regular job duties, I have custody ofcertain business records of
`Seller, routinely review such business records, and am familiar with Seller’s processes for the
`sale and assignmentof accounts andbusinessrecords, including those that are maintainedin
`electronic form.
`
`Seller ownscertain accounts, and maintains and records information in the records as they
`relate to such accounts.
`I am authorized to make the statements and representationsset forth in
`this affidavit on behalf of Seller. The statements set forth herein are true and correct to the best
`of my knowledge, information, and belief, based on either personal knowledge or review of the
`business records ofthe Seller. If called upon as a witness, I can testify competently to the facts
`contained herein.
`
`Myregularjob duties include having knowledge of, and access to, business records relating to
`the Accounts (as defined below). These records are kept by Seller in the regular course of
`business, and it wasin the regular course of business ofSeller, for an employeeor
`representative with personal knowledgeofthe act, event, condition, or opinion recorded to
`make memorandumorrecordsor to transmit information thereofto be included in such
`memorandum orrecords; and that the records were madeat or nearthe time ofthe act and/or
`event recorded or reasonably soon thereafter.
`
`Onorabout 8/30/2022, Seller sold a pool of charged-off accounts (the “Accounts”) by a Credit
`Card Account Purchase Agreement to Midland Credit Management,Inc. (“Buyer”). The
`originalcreditor at the time of charge-off was Comenity Capital Bank.
`
`Pursuantto the sale, Seller sold, transferred, assigned, conveyed, granted, bargained, set over
`and delivered to Buyer andits successors andassigns, good and marketabletitle to the
`Accounts and any unpaid balancefree and clear of any encumbrance, equity,lien, pledge,
`charge, claim orsecurity interest.
`I am not aware ofany errors in the Accounts.
`
`In connection with the sale of the Accounts, electronic and other records were transferred to or
`otherwise madeavailable to the Buyer(the “Transferred Records”). The Transferred Records
`have beenkept in the regular course of Seller’s business, and were made or compiled at or near
`the time ofthe event and recorded by (or from information transmitted by) a person
`(i)with knowledgeof the data entered into and maintainedin Seller’s business records, or(ii)
`whocausedthe data to be entered into and maintained in Seller’s business records. To the
`extent that the Transferred Records include records that were prepared bya third party, they are
`records that were incorporated into the records of Seller as a business record and the accuracy
`of such records are relied upon bySeller in the regular course of business.
`
`

`

`7,
`
`I certify under penalty of perjury that the foregoing is true and correct.
`
`FURTHER AFFIANT SAYETH NOT.
`
`Signedthis
`A \ St
`day of September, 2022.
`
`PoseSutoton
`
`Bruce A. Sweeten_ (AFFIANT NAME)
`
`Comenity Capital Bank
`
`(ot
`(date) day of September,
`Subscribed and sworn to before me Jennifer Pardue, on this
`_7/
`in the year 2022, by Bruce A. Sweeten, who proved on the basis of satisfactory evidence to be the
`
`person whose nameis subscribed to in this document,- (Notary's Official Seal)
`Jun 17, 2025
`
`geee JENNIFER PARDUE
`) MyCommission Expireson
`
`Notary Pubic - State of Utah
`Comm. No. 718844
`
`

`

`CERTIFICATE OF CONFORMITY
`
`STATE OF UTAH
`
`COUNTY OF SALT LAKE
`
`The undersigned does hereby certify that she/he is an attorney at law duly admitted to practice in
`the State of Utah andis a resident of Utah, County of Salt Lake, Utah; that she/he is a person
`duly qualified to makethis certificate of conformity; that the foregoing acknowledgment by
`Bruce A. Sweeten namedin the foregoing instrument taken before Jennifer Pardue a notary in
`the State of Utah duly conforms with the laws of the State of Utah, being the State in which it
`was taken; and when executed by Mr. Sweeten in the mannerindicated will qualify as a valid
`and effective sworn statementin suchstate.
`
`09/27/2022
`
`Date
`
`‘Pip
`
`Attorney at Law for the State of Utah
`
`

`

`EXHIBIT B
`
`

`

`Payment information
`Summary of account activity
`$3,546.61
`New balance
`Account no.
`2AKKAEHEEEXOOD
`$976.00
`Minimum payment due
`|
`+$3,499.82
`08/10/2022
`Payment due date
`Previous balance
`-0.00 ON
`Payments
`-0.00
`Minimum Payment Warning: If you makeonly the minimum
`Othercredits
`paymentfor each pericd, you will pay more in interest and it will
`+0.00
`Purchases
`
`take you longer to pay off your balance. For example:
`Other debits
`+0.00
`Fees charged
`+40.00
`If you make no additional
`You will pay off
`And you will
`
`Interest charged the balance shown|end up paying an+6.79 charges using this card
`
`
`
`and each month you pay:
`on the statement
`estimated total
`
`in about:
`of:
`New balance
`+$3,546.61
`Past due amount
`$851.00
`17 years
`$16,221
`Only the minimum payment
`Credit limit
`$3,460.00
`3 years
`$8,973
`$249
`Available credit
`-$86.00
`(Savings = $7,248)
`Statement closing date
`07/15/2022
`For information regarding credit counseling services,
`Daysin billing cycle
`32
`call 1-800-284-1706.
`
`
`
`
`
`
`PAGE 1 OF 4
`
`YOU MUST PAY THE BALANCE $3,243.02 OF YOUR PLAN 18 MNTH
`DF INT PY RQ
`IN FULL BY 09/27/22 TO AVOID PAYING
`ACCRUED INTEREST CHARGES.
`
`
`Details of your transactions
`TRANS DATE
`TRANSACTION DESCRIPTION/LOCATION
`
`AMOUNT
`
`Fees
`40.00
`LATE FEE
`07/10/2022
`woeTOTAL FEESFORTHISPERIODOOO
`
`Interest charged
`$6.79
`Interest Charge on Purchases
`
`Total Interest For This Period $6.79
`2022 totals year to date
`$282.00
`Total fees charged in 2022
`$21.59
`Total interest charged in 2022
`
`WARNING: PROMOTIONAL PLAN(S) ENDING SOON! YOU MUST PAY YOUR
`PLAN 18 MNTH DF INT PY RQ
`BALANCEOF $3,243.02 IN
`FULL BY 09/27/22 TO AVOID PAYING ACCRUED INTEREST CHARGES.
`PLUS - IF YOU HAVE OTHER PURCHASES OR PROMOTIONAL BALANCES
`ON YOUR ACCOUNT, YOU ALSO WILL NEED TO PAY YOUR MINIMUM
`PAYMENT BY THE PAYMENT DUE DATE SHOWN ON THIS STATEMENT.
`
`Interest charge calculation
`Your Annual Percentage Rate (APR)is the annual interest rate on your account. See BALANCE COMPUTATION
`METHODon page 2 for more details. Minimum interest charge may exceed interest charge below, per your credit card
`agreement.
`TYPE OF
`BALANCE SUBJECT
`INTEREST
`BALANCE
`TO INTEREST RATE
`CHARGE
`Purchases
`267.49 (DA)
`6.79
`13DA=R 2102501 18 MNTH DF INT PY RQ
`5,571.76 (DA)
`0.00
`
`APR
`28.99%
`28.99%
`
`NOTICE: See reverse side for important information.
`Please tear at perforation above
` number ° ° “9902
`
`
`
`New balance
`Minimum payment
`$3,546.61 $976.00
`
`
`| Yes, | have moved or updated my
`e-mail address - see reverse.
`
`QUANTRINA JAMES
`904 FOX CHAPLE LN
`JACKSONVILLE FL 32221-8005
`
`Mailed payments must reach us
`
`by Gpm ET on 08/10/2022.
`Amount enclosed:
`
`$ |
`
`
`Please make check payableto:
`COMENITY - DENTALFIRST FINANCING
`
`Please return this portion along with your paymentto:
`PO Box 650965
`Dallas TX 75265-0965
`
`

`

` 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. Wewill begin to
`charge interest on new purchases made under a Low APR, Equal Payment
`or Budget Payment Credit Plan from the date of purchase.
`BALANCE COMPUTATION METHOD.We calculate interest separately for
`each balance using the method(s) described below. The two letters in
`parentheses next to the Balance Subject to Interest Rate column in the
`Interest Charge Calculation section on this statement corresponds to the
`following:
`(DA) Wefigure the interest charge on this balance by applying the periodic
`rate to the "daily balance" for each dayin the billing period. To get the "daily
`balance" we take the beginning balance each day, add any new transactions
`and fees and subtract any payments or credits (treating any net credit
`balance as a zero balance). This gives us the daily balance.
`CUSTOMER SERVICE.Visit COMENITYNET/DENTALFIRSTFINANCING
`or call 1-877-741-0132 (TDD/TTY 1-888-819-1918). Send all Inquiries to:
`CUSTOMER SERVICE, PO Box 183003, Columbus, OH 43218-3003.
`TELEPHONE MONITORING.To provide you with high-quality service, phone
`communication with us is monitored and/or recorded.
`
`ADDITIONAL INFORMATION. Abbreviations on your statement mean the
`following: (v) means variable rate (this rate may vary); WV INT PAY RQ
`means WAIVE INTEREST, PAYMENT REQUIRED; WV INT EQ PY means
`WAIVE INTEREST, EQUAL PAYMENT; WV INT LOW PMT means WAIVE
`INTEREST, LOW PAYMENT; DF INT PY RQ@ means DEFER INTEREST,
`PAYMENT REQUIRED; DEF INT EQ PY means DEFER INTEREST, EQUAL
`PAYMENT; DF INT LOW PMT means DEFER INTEREST, LOW PAYMENT
`and LOW APR EQ PAY means LOW APR, EQUAL PAYMENT. You may pay
`all of your Account balance at any time without penalty.
`NOTICE ABOUT ELECTRONIC CHECK CONVERSION. Vvhen you provide
`a check as payment, you authorize us either to use information from your
`check to make a one-time electronic fund transfer fram your account or to
`process the payment as a checktransaction.
`PAYMENTS. Payments in U.S. dollars received by the applicable due date
`and cutoff time will be credited as of the date received. Mailed or avermighted
`payments must also meet the requirements below. Otherwise, a payment
`may not be credited for up to five days or may be rejected.
`Mailing or Overnight (cutoff time 6:00 p.m. Eastern Time (ET)):
`.
`Send a personal check, money order, traveler's check or cashier's
`check to the name and address on the payment stub (regular mail) or
`3000 Kellway Drive, Suite 120, Carrollton, TX 75006 (overnight).
`Include your paymentstub, use the return envelope provided with your
`statement, write your account number on the check and send one
`payment with one payment stub.
`Do not staple or clip your payment to the stub, send any
`correspondence with your payment or send cashorgift certificates.
`Pay By Phone (cutoff time 5:00 p.m. ET): Call us toll free at
`1-877-741-0132(TDD/TTY 1-888-819-1918).
`Online (cutoff time 5:00 p.m. ET): Visit
`COMENITY.NET/DENTALFIRSTFINANCING.
`
`.
`
`.
`
`portion for your records.
`Keepthis
`What To Do ff You Think You Find A Mistake On Your Statement
`If you think there is an error on your statement, write to us at: Comenity
`Capital Bank, PO Box 1382620, Columbus, OH 43218-2620.
`In yourletter, give us the following information:
`*
`Account information: Your name and account number.
`.
`Dollar amount. Tne dollar amount of the suspected error.
`-
`Description of Problem: |f you think there is an error on yourbill,
`describe what you believe is wrong and why you believe it is a
`mistake.
`You must contact us within 60 days after the error appeared on your
`statement. You must notify us of any potential errors fn wrifing. You may call
`us, but if you do we are not required to investigate any potential errors and
`you may have to pay the amount in question.
`While we investigate whether or not there has been an error, the following are
`true:
`-
`We cannottry to collect the amount in 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, you will not have to pay the amount in
`question or any interest or other fees related to that amount.
`While you do not have to pay the amount in question, you are
`.
`responsible for the remainderof your balance.
`We can apply any unpaid amount against yourcredit limit.
`-
`Your Rights ff You Are Dissatisfied With Your Credit Card Purchases
`If you are dissatisfied with the goods or services that you have purchased
`with your credit card, and you havetried in good faith to correct the problem
`with the merchant, you may have the 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 home state or within 100
`miles of your current mailing address, and the purchase price must have
`been more than $50. (vote: Neither of these is necessary if your purchase
`was based on an advertisement we mailed to you, or if we own the company
`that sold you the goods or services.)
`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 must not yet have fully paid for the purchase.
`If all of the criteria above are met and youare still dissatisfied with the
`purchase, contact us fn writing at: Comenity Capital Bank, PO Box 182620,
`Columbus, OH 43218-2620.
`While we investigate, the same rules 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.
`CREDIT REPORTING. VYe mayreport information about your account to
`credit bureaus. Late payments, missed payments, or other defaults on your
`account may be reflected in your credit report.
`NOTICE OF CREDIT REPORT DISPUTES
`If you believe information we reported ta a consumerreporting agency is
`inaccurate, notify us at Gomenity Capital Bank, PO Box 182120, Columbus,
`OH 43218-2120. Please provide:
`-
`Your name and account number
`.
`Your address and telephone number
`-
`What information you dispute and why you believeit is inaccurate
`-
`If available, a copy of the section of the credit report showing the
`information you are disputing
`Send all bankruptcy notices and related correspondence to Comenity
`Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, OH
`43218-3043.
`PAYMENTS MARKED "PAID IN FULL™. All written communications
`regarding disputed amounts that include any check or other payment
`instrument marked with "paymentin full" or similar language, must be sent to:
`3000 Kellway Drive, Suite 120, Carrollton, TX 75006.
`DO NOT USE THE ENCLOSED REMITTANCE ENVELOPE.
`- We may accept payment sent to any other address without losing any of our
`rights.
`
`New information
`
`First Name
`Tithe (optional)
`Soc. Sec. No.
`Last Name
`Street Address
`
`
`PO Box
`
`Apt. No.
`RR
`_ State _
`
`Foreign Map Code
`City
`Zip Code
`Home Phone
`Wark Phone
`
`Email Address
`
`

`

`Details of your plans
`ORIGINAL
`ORIGINAL
`PREVIOUS
`TOTAL
`PURCHASE
`PURCHASE
`PLAN
`PLAN
`PURCHASES
`PAYMENTS
`NEW PLAN
`PLAN
`ACCRUED
`AMOUNT
`DATE
`BALANCE
`INTEREST
`EXPIRES
`& CHARGES
`& CREDITS
`BALANCE
`MINIMUM
`N/A
`N/A
`NONE
`256.80
`40.00
`0.00
`303.59
`976.00
`6.79
`
`18DA=R-21025| You must pay your plan balance of $3,243.02 in full by 09/27/2022 to avoid paying interest charges at the higher purchase APR noted
`
`o1
`above.
`ORIGINAL
`ORIGINAL
`PURCHASE
`PURCHASE
`AMOUNT
`DATE
`$5,747.90
`01/25/2021
`
`PAGE 3 OF 4
`
`TOTAL
`ACCRUED
`INTEREST
`2,402.06
`
`PLAN
`EXPIRES
`09/27/2022
`
`PREVIOUS
`PLAN
`BALANCE
`3,243.02
`
`PURCHASES
`& CHARGES
`0.00
`
`PAYMENTS
`& CREDITS
`0.00
`
`NEW PLAN
`BALANCE
`3,243.02
`
`PLAN
`MINIMUM
`0.00
`
`Additional important messages
`Find out how to shop safely online at onguardonline.gov
`
`IMPORTANT INFORMATION ABOUT LATE FEE CREDITS
`We may occasionally provide a credit for the amount, part orall, of a late fee charged to your account. If we do, we will
`charge a fee of up to $40.00 for any subsequent late payment. In addition, we may reverse the credit and repost the
`charge to your accountif you fail to make the minimum payment due on or before the due date in the next billing period.
`
`

`

`Summary of account activity
`Account no.
`MRIKKAKKKKKK QOOD
`
`$4,704.32
`Previous balance
`-1,361.30
`Payments
`0.00
`Other credits
`0.00
`Purchases
`Other debits
`0.00
`Fees charged
`oo
`
`Interest charged
`0.900
`New balance
`$3,343.02
`
`Payment information
`New balance
`Minimum payment due
`Payment due date
`
`$3,343.02
`$117.00
`01/10/2022
`
`PAGE 1 OF 4
`
`.
`Late payment Metrininkeje
`If we do not receive your minimum payment by 01/10/2022 you may
`
`to a $40.00late fe
`Minimum payment warning: If you make only the minimum
`payment for each pericd, you will pay more in interest and it will take
`you longer to pay off your balances. For example:
`
`If you make no additional
`You will pay off
`And you will
`0.00
`Past due amount
`
`
`
`Credit limit the balance shown|end up paying an$4,710.00 charges using this card
`and each month you pay:
`on the statement
`estimated total
`Available credit
`$1,366.98
`
`in about:
`of:
`Statement closing date
`12/15/2021
`
`Only the minimum payment
`17 years
`$14360
`Days in billing cycle
`31
`$187
`3 years
`$6726
`(savings $7634)
`For information regarding credit counseling services,
`call 1-800-284-1706.
`
`
`
`
`
`
`
`
`| You must pay the balance $3,343.02 of your Plan 428-O0001 in full by Sep 27, 2022 to avoid paying accrued interest
`charges.
`
`Account Questions? Need to make a payment? Want to know how to go paperless?
`Visit comenity. net/dentalfirstfinancing or call 1-877-741-0132 (TDD/TTY 1-888-819-1918).
`
`If you returned an item that was on a promotional plan and have questions with how the return was applied to your
`account, please call us.
`
`Skip signing in to pay and use Comenity’s EasyPay. It’s safe and convenient. Use your smartphone camera or code
`reader to scan the QR code printed on your payment stub below to get started.
`
` Details of your transactions
`TRANS DATE
`TRANSACTION DESCRIPTION/LOCATION
`AMOUNT
`
`11/24/2021
`12/02/2021
`
`Fees
`
`PAYMENT - THANK YOU
`PAYMENT - THANK YOU
`
`Total fees charged for this period
`
`-180.00
`-1,181.30
`
`$0.00
`
`Interest charged
`$0.00
`Interest charge on purchases
`
`Total interest for this period $0.00
`2021 totals year to date
`$246.00
`Total fees charged in 2021
`$5.42
`Total interest charged in 2021
`
`NOTICE: See reverse side for important information.
`Please tear at perforation above
`
`Account
`|
`number
`HMHHHKHK —QYOD
`
`c YY DentalFirst|a Newpanes apayer
`New balance
`Minimum payment
`
`
`
`993
`Mailed payments must reach us by 6pm ET
`Yes, | have moved or updated my
`Amount
`on 01/10/2022.
`
`enclosed:e-mail address - see reverse.
`
`=.
`
`peppy pend ypPes DDD p pad Pana p dessa pag hPUPED | ypoV dpa pop tp yad ys]
`QUANTRINA JAMES
`904 FOX CHAPLE LN
`JACKSONVILLE FL 32221-8005
`
`$Please make check payable to:
`
`
`
`COMENITY - DentalFirst Financing
`
`Please return this portion along with your payment to:
`PO BOX 650965
`DALLAS TX 75265-0965
`
`
`
`

`

`What To Do If You Think You Find A Mistake On Your Statement
`If you think there is an crror on your statement, write to us at: Comenity
`Capilal Bank PO Box 182620, Colurmbus, OH 43218-2620.
`In your letter, give us the tollowing intormation:
`© Account information: Your name and account number.
`© Dollar amount: The dollar amount of the suspected crror.
`© Description of Problem: \f you think there is an error on your bill,
`describe what you bclicve is wrong and why you belicve it is a mistake.
`You must contact us within 60 days after the error appeared on your
`statement.
`You musl nolify us of any polenlial errors fre wriliig. You may call us, bul if
`you do we are not required to investigate any potential errors and you may
`have to pay the amount in question.
`While we investigate whetheror not there has been an crror, the following
`are true:
`* We cannot try to collect the amount in 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 mislake, you will nol have lo pay Lhe arnounl in queslion or
`any inleresl or olher fees relaled Lo Lhal armour.
`°¢ While you do nol have lo pay lhe arneunl in queslion, 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 dissalisfied wilh lhe goods or services Lhal you have purchased
`with your credit card, and you have tried in goad faith to correct the
`problem with the merchant, you may have the right not to pay the remaining
`amount due on the purchase.
`lo use this right, all ot the tallowing must be true:
`1. The purchase must have been made in your hame state or within 100
`miles of your current mailing address, and the purchase price must have
`been more than $50. (Note: Neither of these is necessary if your purchase
`was based on an advertisement we mailed to you, or if we own the company
`that sold you the goods or services.)
`P. You must have used your credit card tor the purchase. Purchases made
`with cash advances from an ATM or with a check that accesses your credit
`card accounl do nol qualily.
`3. You must not yet have fully paid for the purchase.
`It all ot the criteria above are met and you are still dissatistied with the
`purchase, contact us fn wrifimg at: Comenity Capital Bank PO Box 182620,
`Columbus, OH 43218-2620.
`While we investigate, the same rules apply to the disputed amount as
`discussed above. After we finish our investigation, we will tell you our
`decision. AL Lhal poinl, if we Lhink you owe an arnmounl and you do nol pay
`we may report you as delinquent.
`HOW TO AVOID PAYING INTEREST. Your duc datc is at Ilcast 25 days after
`lhe close of each billing cycle. We will nmol charge you inleresl on purchases
`it you pay your entire balance by the due date each month. We will begin ta
`charge interest on new purchascs madc under a Low APR, Equal Payment
`or Budget Payment Credit Plan trom the date ot purchase.
`BALANCE COMPUTATION METHOD. We calculate interest separately tor
`each type of balance on your account using a “Daily Balance” ta determine
`inleresl charges for each billing period. We figure Lhe inleresl charge on
`your account by applying the periodic rate ta the “daily balance” ot your
`account for cach day in the billing cycle. To get the “daily balance” we
`take the beginning halance ot your account each day, add any new
`purchases and fees, and subtract any payments or credits (treating any net
`credil balance as a zero balance). This gives us lhe daily balance.
`
`CREDIT REPORTING. We may reporl informalion aboul your accounril lo
`credit bureaus. | ate payments, missed payments, or other defaults on your
`account may be reflected in your credit report.
`NOTICE OF CREDIT REPORT DISPUTES lf you belicve the account
`
`information we reported to a consumerreporting agency is inaccurate, you
`may submit a direct dispute to Comenity Capital lank PO Box 182170,
`Columbus, QH 43218 2120. Your written dispute must provide sufficient
`
`information to identify the account and specify why the information is
`inaccurate:
`© Account Information: Your name and account number
`© Contact Information: Your address and telephone number
`* Disputed Information: Identity the accaunt intormation disputed and
`explain why you believe it is inaccurate
`*° Supporting Documentation: If available, provide a capy of the sectian of
`the credit report showing the account intormation youare disputing
`We will invesligale Lhe dispuled informalion and reporl Lhe resulls lo you
`within 30 days of receipt of the information needed far aur investigation. If
`we find Lhal lhe account informalion we reporled is imaccurale, we will
`promptly provide the necessary correction ta each cansumer reparting
`agency to which we reported the information.
`PAYMENTS MARKED "PAID IN FULL". All wrillen comrmunicalions
`regarding disputed amounts that include any check or other payment
`instrument marked with “payment in full” or similar language, must be sent
`ta: BO0OO0 Kellway Drive, Suite 120 Carrallton, 1X /5O006. DO NOT USL ITIL
`ENCLOSED REMITTANCE ENVELOPE.
`- We may accepl paymenl sent lo any olher address wilhoul losing any of
`our rights.
`- No payment shall operate as an accord and satisfaction without prior
`written approval.
`CUSTOMER SERVICE. Visit comenity.net/dentaltirstfinancing or call
`1877 741 0132 (TDD/TTY 1 888 819 1918).
`TELEPHONE MONITORING. To provide you with high-quality service, phone
`communicalion wilh us is monilored and/or recorded.
`ADDITIONAL INFORMATION. [he tollowing designations, when appearing
`on the front of your statement, mean the following: V means variable rate
`Clhis rale ray vary); WY INT PAY RQ means WAIVE INTEREST, PAYMENT
`REQUIRED; WV INT CQ PY means WAIVE INTERCST, CQUAL PAYMLENT; WV
`INT LOW PMT means WAIVE INTEREST, LOW PAYMENT; DF INT PY R@
`means DI
`ITI R INIT RI SIT, PAYMI NI RI QUIRI ID; DLL INT 1G PY means
`DEFER INTEREST, EQUAL PAYMENT; DF INT LOW PMT means DEFER
`INTFREST, | OW PAYMENT and 1OwW APR FQ PAY means | OW APR, FQUAI
`PAYMENT. If you have a variable rate account, your periodic rates may vary.
`You may pay all of your Accounl balance al any Lirme wilhoul penally.
`Send all inquiries to: CUSTOMER SERVICE, PO Box 183003, Columbus, OH
`43218-3003.
`Send all bankruptcy notices and related correspondence to Comenity
`Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, OH
`43218-3043.
`NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you provide a
`check as payment, you aulhorize us eilher lo use informalion from your
`check to make a one-time electronic tund transter trom your account or ta
`process the payment as a check transaction. When we usc information from
`your check to make an electronic tund transter, tunds may be withdrawn
`from your account as soon as the same day we reccive your payment, and
`you will nol receive your check back from your fimarncial imslilulion.
`
` Keep this portion for your records.
`
`PAYMENTS. Pay your Account by the payment due date by the time listed helow. If we do not receive your payment in a correct format Coutlined helow) it
`may not be credited to your Account for up to five days, or may be rejected. Also, your payment must reach us by the payment cutoff time that applies to
`the payment method you select.
`Correct Format. Correct format for different payment methods include:
`Mailing or Overnight: Send a personal check, money order, Lraveler’s check or cashier’s check payable in U.S. dollars, lo Lhe name and address shown on
`lhis Slalernent in lhe payment slub area conlaining your balance and minimum payment amounl. Be sure Lo include your payrmenl slub, do nol slaple or
`clip your payment to the stub, include your account number on your check, use the envelope provided with your Statement, send one payment with one
`payment stub and do not send any correspondence with your payment. You should overnight a payment to 3000 Kellway Drive, Suite 120 Carrollton, TX
`75006 and the additional format requirements are the same as other mailed payments unless there is a dispute, in which case you follow the Payments
`Marked “Paid In Full” seclion above. Do nol send cash or gifl cerlilicales. Pay By Phore: You can call us Loll free al 1-877-741-O132 (TDD/TTY
`1-888-819-1918) to make a payment by telephone, which may include a tee. Online: You can make a payment online at comenity.net/dentalfirstfinancing.
`Payment Cutoff Times. Payment cutoff times/deadlines for us to receive payments are by the due date on this Statement in the payment stub area at the
`following times: Mafling and Overnight: By 6:00 pm Eastern Time (ET); Pay By Phone: By 6:00 pm (ET); Online: By 6:00 pm (ET).
`New Information
`
`First Name
`Title (optional)
`Soc. Sec. No.
`Last Name
`Street Address
`
`PO Box
`Apt. No.
`RR
`
`City
`State
`Zip Code
`Home Phone
`Work Phone
`
`Email Address
`
`Foreign Map Code
`
`

`

`Interest charge calculation
`Your Annual Percentage Rate (APR) is the annual interest rate on your account. See BALANCE COMPUTATION METHOD
`on page 2 for more details. Minimum interest charge may exceed interest charge below, per your credit card agreement.
`TYPE OF
`BALANCE SUBJECT
`INTEREST
`BALANCE
`APR
`TO INTEREST RATE
`CHARGE
`Purchases
`28.9900%
`0.00
`0.00
`Plan 428-00001 DF INT PY R@®
`28.9900%
`5,457.83
`0.00
`
`PAGE 3 OF 4
`
`
`Details of your plans
`0001-00001|Purchases
`ORIGINAL
`ORIGINAL
`PREVIOUS
`TOTAL
`PURCHASE
`PURCHASE
`PLAN
`ACCRUED
`AMOUNT
`DATE
`BALANCE
`INTEREST
`N/A
`N/A
`108.42
`0.00
`
`PURCHASES
`& CHARGES
`0.00
`
`PAYMENTS
`& CREDITS
`108.42
`
`NEW PLAN
`BALANCE
`0.00
`
`PLAN
`MINIMUM
`0.00
`
`PLAN
`EXPIRES
`NONE
`
`
`
`428-00001|You must pay your promotional balance of $3,343.02 in full by 09/27/2022 to avoid paying accrued interest
`charges.
`ORIGINAL
`ORIGINAL
`PREVIOUS.
`TOTAL
`PURCHASE
`PURCHASE
`PLAN
`ACCRUED
`AMOUNT
`DATE
`BALANCE
`INTEREST
`$5,847.90
`01/25/2021
`4,595.90
`1,518.25
`
`PURCHASES
`& CHARGES
`0.00
`
`PAYMENTS
`& CREDITS
`1,252.88
`
`NEW PLAN
`BALANCE
`3,243.02
`
`PLAN
`MINIMUM
`117.00
`
`PLAN
`EXPIRES
`09/27/2022
`
`Additional important messages
`Effective February 2, 2022, the cutoff times for payments to be credited on the same day when the
`|| payments are made over the phone and online are changing. Telephone and online Account Center
`payments made by 5:00 pm Eastern Time will post on the same day. Please see the information provided
`on the back of the first page of your statement for more details about payment cutoff times.
`
`Important Reminder: If you make a purchase with this credit card using a promotional plan, the
`promotional plan expiration date and payment due date may be different. This means that if you have any
`remaining promctional plan balance after the promctional plan expiration date, the balance and any
`accrued interest (if applicable), will move to your regular revolving plan on the next billing statement.
`
`How to avoid or minimize interest charges: Be sure to pay any promotional plan balance in full on
`or before the plan expiration date shown in the “Details of your plans” section of your statement. Please
`also keep an eye out for notifications of when your promotional plan(s) are nearing their expiration
`date—you'll see them in the red box on page 1 of your statement. If you have questions, please call us
`toll-free at 1-877-741-0132 (TDD/TTY:1-888-819-