Filing # 195119981 E-Filed 03/29/2024 04:52:19 PM
`
`16-2024-SC-006147-AXXX-MA Div: CC-J
`
`ACCEPTED: DUVAL COUNTY, JODY PHILLIPS, CLERK, 03/31/2024 06:29:48 PM
`
`

`

`

`

`EXHIBIT A
`
`

`

`EXHIBIT A
`
`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 October25,
`2019 between Seller and Midland Credit Management,Inc. (“Purchaser”), its successors
`and assigns (“Credit Card Account Purchase Agreement”), hereby assignseffective as of
`the Closing Date of February 22, 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 hereofforall
`purposes, to Purchaser.
`“Seller’s Accounts
`(collectively,
`the Sale File
`in
`The
`information
`contained
`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.
`
`COMENITY CAPITAL BANK
`
`
`By:
`Date:
`3/ Gf L2—
`Title: Chief Credit Officer
`
`Midland Credit Management,Inc,
`Mbralle MsAlbux
`By:fy,
`Date: 3/17/2022
`Title VP of Business Development
`
`

`

`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_FEB_2022_DPL_CCB.TXT;MCMG_HF_FEB_2022_LCS_CCB.TXT delivered by
`Comenity Capital Bank to Midland Credit Management,
`Inc.
`on February 14, 2022 and
`summarized in the table immediately below (the “Sale File”).
`
`
`
`
`# of Charged-off
` Aggregate Unpaid Balance
`
`
`Percent
`Accounts
`
`File Creation Date
`
`

`

`EXHIBIT B
`
`CLOSING STATEMENT
`
`AGREEMENTDATE:
`
`October 25, 2019
`
`SELLER:
`
`PURCHASER:
`
`COMENITY CAPITAL BANK
`
`Midland Credit Management, Inc.
`
`FILE NUMBER:
`
`NUMBER OF ACCOUNTS:
`
`TOTAL UNPAID BALANCE:
`PURCHASEPRICE
`PERCENTAGE:
`
`PURCHASE PRICE:
`
`MCMG_HFFEB2022DPL_CCB.TXT:
`
`MCMG_HFFEB2022LCSCCB.TXT
`
`FILE CREATION DATE:
`
`February 11, 2022
`
`CLOSING DATE:
`
`February 22, 2022
`
`WIRING INSTRUCTIONS
`
`
`
`

`

`PORTFOLIO LEVEL AFFIDAVIT OF SALE BY ORIGINAL CREDITOR
`
`STATE OF: UTAH
`COUNTY OF: SALT LAKE
`
`On [
`
`3) G/ ZL—
`
`, Bruce Bowman (“Affiant’”) being duly sworn, deposes and says:
`
`i,
`
`2.
`
`3,
`
`4,
`
`5.
`
`6.
`
`lam over 18 and I am the Chief Credit Officer of Comenity Capital Bank (“Seller”). In that
`capacity and as part of my regular job 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.
`
`Seller owns certain 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 knowledgeor review ofthe
`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 was in the regular course of businessof Seller, for an employee or
`representative with personal knowledge oftheact, event, condition, or opinion recorded to
`make memorandumor records orto transmit information thereofto be included in such
`memorandum or records; and that the records were madeat or nearthe time of the act and/or
`event recorded or reasonably soon thereafter,
`
`Onor about 02/22/2022, Seller sold a pool of charged-off accounts (the “Accounts”) by a
`Credit Card Account Purchase Agreement to Midland Credit Management,Inc. (“Buyer”), The
`original creditorat the time of charge-off was Comenity Capital Bank.
`
`Pursuant to the sale, Seller sold, transferred, assigned, conveyed, granted, bargained,set over
`and delivered to Buyerand 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 of any errors in the Accounts.
`
`In connection with the sale of the Accounts, electronic and other records were transferred to or
`otherwise made available to the Buyer (the “Transferred Records”). The Transferred Records
`have been keptin 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)
`whocaused 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 third party, they are
`records that were incorporatedinto the recordsof Seller as a business record and the accuracy
`of such recordsare relied upon by Seller in the regular course of business,
`
`

`

`7,
`
`I certify under penalty of perjury that the foregoing istrue and correct.
`
`FURTHER AFFIANT SAYETH NOT,
`
`Signed this _
`
`9 a
`
`day of March, 2022.
`
`Bruce Bowman (AFFIANT NAME)
`
`Comenity Capital Bank
`
`
`
`
`
`Jun 17, 2025
`
`JENNIFER PARDUE
`Notary Public - State of Utah
`Comm. No. 718844
`ie
`/$f My Commission Expires on
`
`
`
`
`
`
`
`Subscribed before me_this gy. dayand sworn to of March, 2022, by
`
`
`, an employee of Comenity Capital Bank
`
`

`

`CERTIFICATE OF CONFORMITY
`
`STATE OF UTAH
`
`COUNTY OF SALT LAKE
`
`The undersigned does hereby certify that 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 he is a person duly
`qualified to makethis certificate of conformity; that the foregoing acknowledgment by Bruce
`Bowman named in 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. Bowman in the mannerindicated will qualify as a valid and effective
`sworn statement in suchstate.
`
`S-//-2042
`
`Date
`
`Nuc KuHou
`
`for the State of Utah
`
`Attomey at Law
`
`

`

`EXHIBIT B
`
`

`

`And you will
`You will pay off
`If you make no additional
`629.00
`Past due amount
`
`
`
`Credit limit the balance shown|end up paying an$1,950.00 charges using this card
`and each month you pay:
`on the statement
`estimated total
`Available credit
`$0.00
`
`in about:
`of:
`Statement closing date
`01/12/2022
`Days in billing cycle
`31
`9 years
`$6056
`Only the minimum payment
`For information regarding credit counseling services,
`call 1-800-284-1706.
`
`
`
`
`
`
`
`
`Summary of account activity
`Account no.
`BRMKK XKARKKXKAK AAD
`
`Previous balance
`$2,524.74
`Payments
`0.00
`Other credits
`0.00
`Purchases
`0.00
`Other debits
`0.00
`Fees charged
`41.00
`
`Interest charged
`65.31
`New balance
`$2,631.05
`
`_
`
`Payment information
`New balance
`Minimum payment due
`Payment due date
`
`$2,631.05
`$735.00
`02/07/2022
`
`.
`Late payment Metrininkeje
`If we do not receive your minimum payment by 02/07/2022 you may
`
`to a $41.00 late fee.
`
`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:
`
`PAGE 1O0OF4
`
`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
`TRANSCANE TSSSATASNESNESSRLSNAMOUNT
`Fees
`01/07/2022
`
`LATE FEE
`Total fees charged for this period
`
`41.00
`$41.00
`
`Interest charged
`$65.31
`Interest charge on purchases
`
`Total interest for this period $65.31
`
`2022 totals year to date
`$41.00
`Total fees charged in 2022
`
`Total interest charged in 2022 $65.31
`
`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
`29.9900%
`2,564.05
`65.31
`
` 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.
`
`(CONTINUED)
`
`NOTICE: See reverse side for important information.
`Please tear at perforation above
`
`
`Account
`KKK _KKKKKK 11D
`
`numberBSIPetiair IC | New balance Minimum payment
`
`
`
`=)
`CTie
`
`Yes, | have moved or updated my
`| e-mail address - see reverse.
`
`$735.00
`$2,631.05
`e9go4
`by 6
`ET
`h
`t
`Mailed
`t
`Spm
`Amount
`by
`reach us
`onO2/GTiL022. must
`enclosed:
`$Please make check payable to:
`
`
`COMENITY - Petland
`
`COeeeeeee
`YOLANDA CRAWFORD
`1729 N MCVICKER AVE FL2
`CHICAGO IL 60639-3905
`
`Please return this portion along with your paymentto:
`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, Colurmnbus, OH 43218-2620.
`In your letter, give us the tollowing intormation:
`© Account information: Your name and account number.
`© Dollar ammount: 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 polentlial errors fre wrrliig. 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 whether or 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 armounl in QquesLlion or
`any inleresl or olher fees relaled Lo Lhal armour.
`© While you do nol have lo pay Lhe arnounl in queslion, you are resporisible
`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 carrect 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 at the tallowing 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. (Note: Neither of these is necessary if your purchase
`was based onan adverlisernenl we mailed Lo you, or if we own Lhe company
`that sald you the goods ar services.)
`2. You musl have used your credil card for lhe purchase. Purchases made
`with cash advances tram an AIM or with a check that accesses your credit
`card account do not qualify.
`3. You must not yet have tully paid tor the purchase.
`It all ot the criteria above are met and you are still dissatistied with the
`purchase, conlacl us fn wrilfrig al: Comenily Capilal Barik PO Box 182620,
`Columbus, OH 43718-7670.
`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 point, if we Lhink you owe an armmounl and you do nol pay
`we may report you as delinquent.
`HOW TO AVOID PAYING INTEREST. Your duc datc is at Icast 25 days after
`lhe close of each billing cycle. We will nol charge you inleresl on purchases
`if you pay your entire balance by the due date each month. We will begin ta
`charge interest on new purchases made under a Low APR, Equal Payment
`or budget Payment Credit Plan trom the date otf purchase.
`BALANCE COMPUTATION METHOD. We calculate interest separately for
`each type of balance on your account using a “Daily Balance” to determine
`interest charges tor each billing period. We tigure the interest charge on
`your account by applying the periodic rate to the “daily balance” of your
`accoumnl for each day in Lhe billing cycle. To gel Lhe “daily balance” we
`take the beginning balance of your account each day, add any new
`purchases and fees, and sublracl any payrnenls or credils (lrealing any nel
`credit balance as a zero balance). Ihis gives us the daily balance.
`
`
`CREDIT REPORTING. We may report information about your account to
`credil bureaus. Lale paymenils, missed payments, or olher defaulls on your
`account may be reflected in your credit report.
`NOTICE OF CREDIT REPORT DISPUTES
`If you belicve the account information we reported to a consumer reporting
`agency is inaccurale, you may submil a direcl dispule lo Comenily Capilal
`Bank PO Box 182120, Calumbus, QH 43218-2120. Your written dispute
`musl provide sufficient information lo identify lhe accounl and specily whiy
`the intarmation is inaccurate:
`* Account Information: Your name and accounl number
`* Contact Information: Your address and lelephone number
`* Disputed Information: Identify the account information disputed and
`
`explain why you believe il
`iInaccurale
`© Supporting Documentation: It available, provide a copy ot the section ot
`the credit report showing the account information you are disputing
`We will investigate the disputed information and report the results to you
`within 30 days of receipt of the intormation needed tor our investigation. It
`we find that the account information we reported is inaccurate, we will
`promptly provide the necessary correction to each consumer reporting
`agency to which we reported the information.
`PAYMENTS MARKED "PAID IN FULL". All written communications regarding
`dispuled amounts Lhal include any check or olher paymenl instrument
`marked with "payment in full" or similar language, must be sent to: 3000
`Kellway Drive, Suite 120 Carrollton, TX 75006.
`DO NOT USL ITIL LNCLOSLD RLMII IANCL LNVLLOPL.
`We may accept payment sent to any other address without losing any of
`our rights.
`No payment shall operate as an accord and satisfaction without prior
`wrillen approval.
`66-199-4/61
`CUSTOMER SERVICE. Visit comenity.net/petland or call 1-8
`(TDD/TTY 1-888-819-1918).
`TELEPHONE MONITORING. To provide you with high-quality service, phone
`communicalion wilh us is rmonilored and/or recorded.
`ADDITIONAL INFORMATION. [he tollowing designations, when appearing
`on the front of your statement, mean the following: WV means variable rate
`Clhis rale ray vary); WY INT PAY RQ means WAIVE INTEREST, PAYMENT
`REQUIRED; WV INT CQ PY means WAIVE INTERCST, CQUAL PAYMLNT; WV
`INT LOW PMT means WAIVE INTEREST, LOW PAYMENT; DF INT PY R@
`means DI
`ITI R INIT RISI, PAYMI NI REQUIRE ID; DIT INT 1G PY means
`DEFER INTEREST, EQUAL PAYMENT; DF INT LOW PMT means DEFER
`INTFREST, | OW PAYMENT and 1 OwW 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 Lime wilhioul 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 informealion from your
`check to make a one-time electronic tund transter tram 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 fimancial imslilulion.
`
` Keep this portion for your records.
`
`PAYMENTS. Pay your Account by the payment due date by the time listed below. If we do not receive your payment in a correct format Coutlined below)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. Gorrect format for different payment methads include:
`Mailing or Overnight: Send a personal check, money order, traveler’s check or cashier’s check payable in U.S. dollars, to the name and address shown on
`this Statement in the payment stub area containing your balance and minimum payment amount. be sure to include your payment stub, do not staple or
`clip your payment to the stub, include your account number on your check, use the envelope provided with your Statement, send ane payment with one
`paymenl slub and do nol send any correspondence wilh your paymenl. You should overnight a payrnenl lo 3000 Kellway Drive, Suile 120 Carrolllon, 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 lull” section above. Do not send cash or gitt certiticates. Pay By Phone: You can call us toll tree at 1-B866-199-1/61 CIDD/IIY
`1-888-819-1918) to make a payment by telephone, which may include a fee. Onfine: You can make a payment online at comenity.net/petland.
`Payment Cutoff Times. Payment cutoff times/deadlines far us to receive payments are by the due date an 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 5:00 pm (ET); Online: By 5:00 pm (ET}.
`New information
`
`
`First Name
`Title (optional)
`Soc. Sec. No.
`Last Name
`Street Address
`PO Box
`
`Apt. No.
`RR
`Foreign Map Code
`City
`State
`Zip Code
`Home Phone
`
`Work Phone
`
`Email Address
`
`

`

`PAGE 3 OF 4
`
`Additional important messages - continued
`IMMEDIATE ATTENTION REQUIRED! Your Account is extremely past due and will be written off asa
`bad debt at the end of this month. To avoid this, you can pay the Minimum amount shown on this
`statement before the end of this month. If you are not able to pay the Minimum Payment amount, we will
`still be able to assist you and prevent your account from being written off. Call us at 1-855-617-8089
`(TDD/TTY 1-888-819-1918) and we will find a suitable payment before the end of this month. If written off,
`the bad debt will be reported to the three major credit bureaus and our Recovery tearm will determine the
`appropriate steps, as permitted and available under applicable law, to protect our interests.
`IMPORTANT INFORMATION ABOUT LATE FEE CREDITS
`We may occasionally provide a credit for the amount, part or all, of a late fee charged to your account. If
`we do, we will charge a fee of up to $41.00 for any subsequent late payment. In addition, we may reverse
`the credit and repost the charge to your account if you fail to make the minimum payment due on or
`before the due date in the next billing period.
`
`Consumers are entitled to one free credit report per year. To request yours call 1-877-322-8228 or visit
`annualcreditreport.com
`
`

`

`PAGE 4 0F 4
`
`
`
`

`

`EsPetiand
`
`PETLAND PETSMAKELIFE BETTER!
`
`PAGE 1 OF 4
`
` Summary of account activity Payment information
`
`Account no.
`MRKK KKKXKEK ADT
`New balance
`$2,040.16
`Minimum payment due
`$162.00
`Payment due date
`08/07/2021
`
`Previous balance
`$2,029.43
`Payments
`-80.00
`Other credits
`0.00
`Purchases
`0.00
`Other debits
`0.00
`Fees charged
`40.00
`
`Interest charged
`50.73
`New balance
`$2,040.16
`
`_
`
`.
`Late payment Wiatnin oo
`If we do not receive your minimum payment by 08/07/2021 you may
`
`to a $40.00 late fee.
`
`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:
`
`
`
`And you will
`You will pay off
`If you make no additional
`80.00
`Past due amount
`
`
`
`Credit limit the balance shown|end up paying an$1,950.00 charges using this card
`and each month you pay:
`on the statement
`estimated total
`Available credit
`$0.00
`
`in about:
`of:
`Statement closing date
`07/12/2021
`Days in billing cycle
`31
`8 years
`$4516
`Only the minimum payment
`For information regarding credit counseling services,
`call 1-800-284-1706.
`
`
`
`
`
`
`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
`
`06/16/2021
`
`PAYMENT - THANK YOU
`
`Fees
`07/07/2021
`
`LATE FEE
`Total fees charged for this period
`
`AMOUNT
`
`-80.00
`
`40.00
`$40.00
`
`Interest charged
`$50.73
`Interest charge on purchases
`
`Total interest for this period $50.73
`
`2021 totals year to date
`$189.00
`Total fees charged in 2021
`
`Total interest charged in 2021 $362.72
`
` 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
`29.9900%
`1,991.97
`50.73
`
` Additional important messages
`Save on Interest Payment: You can check Account Center 24/7 for up-to-date balance and payment
`amounts including any new payments, transactions, fees and daily accruing interest.
`(CONTINUED)
`
`NOTICE: See reverse side for important information.
`Please tear at perforation above
`
`
`Account
`number
`
`HWKK KKKKKK 11 OT
`
`|
`
`Yes, | have moved or updated my
`Ld e-mail address - see reverse.
`
`DOE eee eeeeeee
`YOLANDA CRAWFORD
`1729 N MCVICKER AVE FL2
`CHICAGO IL 60639-3905
`
`Please return this portion along with your paymentto:
`PO BOX 650965
`DALLAS TX 75265-0965
`
`COMENITY - Petland
`
`
`
`eSSIPretlia mci | New balance Minimum payment
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`$162.00
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`onOB/O7f2021. must
`enclosed:
`$Please make check payable to:
`
`
`

`

`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, Columbus, Ohio 43218-2620.
`In your letter, give us the tollowing intormation:
`© Account information: Your name and account number.
`© Dollar ammount: 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 polentlial errors fre wrrliig. 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 whether or 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 armounl in QquesLlion or
`any inleresl or olher fees relaled Lo Lhal armour.
`© While you do nol have lo pay Lhe arnounl in queslion, you are resporisible
`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 carrect 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 at the tallowing 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 ., (Note: Neither of these is necessary if your purchase
`was based onan adverlisernenl we mailed Lo you, or if we own Lhe company
`that sald you the goods ar services.)
`2. You musl have used your credil card for lhe purchase. Purchases made
`with cash advances tram an AIM or with a check that accesses your credit
`card account do not qualify.
`3. You must not yet have tully paid tor the purchase.
`It all ot the criteria above are met and you are still dissatistied with the
`purchase, conlacl us ff wrilirig al: Comenily Capilal Barik PO Box 182620,
`Columbus, Ohio 43718-76270.
`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 point, if we Lhink you owe an armmounl and you do nol pay
`we may report you as delinquent.
`HOW TO AVOID PAYING INTEREST. Your duc datc is at Icast 25 days after
`lhe close of each billing cycle. We will nol charge you inleresl on purchases
`if you pay your entire balance by the due date each month. We will begin ta
`charge interest on new purchases made under a Low APR, Equal Payment
`or budget Payment Credit Plan trom the date otf purchase.
`BALANCE COMPUTATION METHOD. We calculate interest separately for
`each type of balance on your account using a “Daily Balance” to determine
`interest charges tor each billing period. We tigure the interest charge on
`your account by applying the periodic rate to the “daily balance” of your
`accoumnl for each day in Lhe billing cycle. To gel Lhe “daily balance” we
`take the beginning balance of your account each day, add any new
`purchases and fees, and sublracl any payrnenls or credils (lrealing any nel
`credit balance as a zero balance). Ihis gives us the daily balance.
`
`
`CREDIT REPORTING. We may report information about your account to
`credil bureaus. Lale paymenils, missed payments, or olher defaulls on your
`account may be reflected in your credit report.
`NOTICE OF CREDIT REPORT DISPUTES
`If you belicve the account information we reported to a consumer reporting
`agency is inaccurale, you may submil a direcl dispule lo Comenily Capilal
`Bank PO Box 182120, Calumbus, Ohio 43218-2120. Your written dispute
`musl provide sufficient information lo identify lhe accounl and specily whiy
`the intarmation is inaccurate:
`© Account information: Your name and accounl number
`° Contact information: Your address and lelephone number
`© Disputed Information: |\dentify the account information disputed and
`
`explain why you believe il
`iInaccurale
`° Supporting Documentation: |t available, provide a copy ot the section ot
`the credit report showing the account information you are disputing
`We will investigate the disputed information and report the results to you
`within 30 days of receipt of the intormation needed tor our investigation. It
`we find that the account information we reported is inaccurate, we will
`promptly provide the necessary correction to each consumer reporting
`agency to which we reported the information.
`PAYMENTS MARKED "PAID IN FULL". All written communications regarding
`dispuled amounts Lhal include any check or olher paymenl instrument
`marked with "payment in full" or similar language, must be sent to: 1010 W.
`Mockingbird lane, Suite 100, Dallas, TX 75?47.
`DO NOT USL ITIL LNCLOSLD RLMII IANCL LNVLLOPL.
`We may accept payment sent to any other address without losing any of
`our rights.
`No payment shall operate as an accord and satisfaction without prior
`wrillen approval.
`66-199-4/61
`CUSTOMER SERVICE. Visit comenity.net/petland or call 1-8
`(TDD/TTY 1-888-819-1918).
`TELEPHONE MONITORING. To provide you with high-quality service, phone
`communicalion wilh us is rmonilored and/or recorded.
`ADDITIONAL INFORMATION. [he tollowing designations, when appearing
`on the front of your statement, mean the following: WV means variable rate
`Clhis rale ray vary); WY INT PAY RQ means WAIVE INTEREST, PAYMENT
`REQUIRED; WV INT CQ PY means WAIVE INTERCST, CQUAL PAYMLNT; WV
`INT LOW PMT means WAIVE INTEREST, LOW PAYMENT; DF INT PY R@
`means DI
`ITI R INIT RISI, PAYMI NI REQUIRE ID; DIT INT 1G PY means
`DEFER INTEREST, EQUAL PAYMENT; DF INT LOW PMT means DEFER
`INTFREST, | OW PAYMENT and 1 OwW 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 Lime wilhioul penally.
`Send all inquiries to: CUSTOMER SERVICE, PO Box 183003, Columbus,
`Ohio 43218-3003.
`Send all bankruptcy notices and related correspondence to Comenity
`Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, Ohio
`43218-3043.
`NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you provide a
`check as payment, you aulhorize us eilher lo use informealion from your
`check to make a one-time electronic tund transter tram 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 fimancial imslilulion.
`
` Keep this portion for your records.
`
`PAYMENTS. Pay your Account by the payment due date by the time listed below. If we do not receive your payment in a correct format Coutlined below)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. Gorrect format for different payment methads include:
`Mailing or Overnight: Send a personal check, money order, traveler’s check or cashier’s check payable in U.S. dollars, to the name and address shown on
`this Statement in the payment stub area containing your balance and minimum payment amount. be sure to include your payment stub, do not staple or
`clip your payment to the stub, include your account number on your check, use the envelope provided with your Statement, send ane payment with one
`paymenl slub and do nol send any correspondence wilh your payrmenl. You should overnight a payrnenl lo 1010 W. Mockingbird Lane, Suile 100, Dallas,
`TX #5247 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 lull” section above. Do not send cash or gitt certiticates. Pay By Phone: You can call us toll tree at 1-B866-199-1/61 CIDD/IIY
`1-888-819-1918) to make a payment by telephone, which may include a fee. Onfine: You can make a payment online at comenity.net/petland.
`Payment Cutoff Times. Payment cutoff times/deadlines far us to receive payments are by the due date an 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
`Foreign Map Code
`City
`State
`Zip Code
`Home Phone
`
`Work Phone
`
`Email Address
`
`

`

`PAGE 3 OF 4
`
`Additional important messages - continued
`You can avoid accruing additional daily interest on non-promotional purchases by paying the Save on
`Interest Payment amount by your billing statement due date.
`The Save on Interest Payment includes:
`- The balance of all non-promotional