02-CV-23-1991
`
`Filed in District Court
`State of Minnesota
`4/21/2023 6:59 AM
`
`STATE OF MINNESOTA
`
`COUNTY OF ANOKA
`
`Crown Asset Management, LLC,
`Plaintiff.
`
`VS-
`Roman Fraulini aka Roman G Fraulini,
`Defendant.
`
`DISTRICT COURT
`
`TENTH JUDICIAL DISTRICT
`
`Case Type: Contract
`
`PLAINTIFF'S AFFIDAVIT
`
`STATE 0F EIPCRHR
`)ss
`COUNTY 0F GIUCANLH)
`CI" {3h mCQYLEwCfBeing first duly sworn, deposes and states as follows:
`l. Affiant is an authorized agent of the Plaintiff above-named, and is familiar with and
`
`has full access to the business records of Plaintiff.
`
`2. Affiant is knowledgeable in the business records retention practices of the Plaintiff.
`
`Plaintiff s records are maintained with an extremely high degree of accuracy and the Plaintiff has
`
`established policies and procedures to ensure the accuracy of its information.
`
`3.
`
`'l'hat Plaintiff is the assignee of certain accounts of U.S. Bank National Association
`
`including the account of defendant herein.
`
`4. As part of Plaintiff s purchase of the above referenced accounts. it was represented by
`the seller that it was the valid owner of the account at issue in this litigation.
`
`5. The Defendant is the holder of a credit account originally issued by U.S. Bank
`
`National Association with the account number ending with ****2352. Pursuant to the terms of
`
`the credit agreement. Defendant obtained extensions of credit by using this account for purchases
`of goods and services. Attached hereto is a true and correct copy of statements as Exhibit "A".
`
`Attached hereto is a true and correct copy of the terms and conditions as Exhibit "B". Attached
`
`

`

`02-CV-23-1991
`
`Filed in District Court
`State of Minnesota
`4/21/2023 6:59 AM
`
`hereto as Exhibit "C" is a true and correct copy of the assignment documentation.
`
`6. That at no time prior to the commencement of this action did Defendant communicate
`
`to Plaintiff, either orally or in writing, of any unresolved disputes with charges which appeared
`
`on regular statements that were sent to Defendant's address indicating the amount due on this
`
`account.
`
`7. Defendant failed to repay the debt to U.S. Bank National Association pursuant to the
`
`terms of their credit agreement, and is accordingly indebted to Plaintiff in the amount of
`
`$4,695.88 to which Plaintiff is entitled to under the account agreement.
`
`8. That at no time has Plaintiff or any other party to affiant's knowledge. agreed to a
`
`modification of the parties' credit agreement.
`
`9. Defendant has made no claim ofbeing an active member in the military services of
`
`the United States or any state thereof. the Defendant is not an active member in the military
`
`service. Nor has Defendant requested reduction of the interest rate on the account to 6%
`
`pursuant to the Servicemembers Civil Relief Act.
`
`10. Your affiant makes this affidavit in support of Plaintiff's motion for summary
`
`judgment.
`FURTHER YOUR AFFIANT SAYETH NOT.
`
`own Asset Managemg
`
`LL
`
`Name:
`Title
`
`Subscribed and sworn before me
`
`this is day of Mam .2023.
`
`Notary Public
`
`'Y\\\§Wfi ' QKQa
`men mitt)
`"NE W
`\g ..-¢"\Sslo~€+o. ( o
`'.
`.7O:
`
`Mr
`
`<
`
`\
`
`.
`
`x
`
`27
`2026
`96'77 00953.10 5
`'~,¢'
`O
`"75w POPX"'
`
`

`

`02-CV-23-1991
`
`Filed in District Court
`State of Minnesota
`4/21/2023 6:59 AM
`
`Exhibit A
`
`

`

`02-CV-23-1991
`
`Filed in District Court
`State of Minnesota
`4/21/2023 6:59 AM
`
`@bank.
`
`5...
`
`August 2020 Statement
`. Open Date: 07/04/2020 Closing Date: 08/04/2020
`U.S. Bank Personal Line
`ROMAN G FRAULINI
`-------Tits4,695.as
`NewBalance
`Minimum PaymentDue
`$871 00
`09/01/2020
`Payment Due Date:
`Late Payment Warning: if we do not receive y0ur
`minimum payment by -thedate iisted above,-:yeu may;have
`to pay uptoa $40.00 Late _Fee;.;
`
`Minimum Payment Warning: If you make only the minimum
`payment eac period, you will pay more in interest and it will
`take you longer to pay off your balance. For example:
`You will pay off
`And you will
`If you make no
`the balance shown
`end up paying
`additional charges
`on this statement
`an estimated
`using this card and
`each month you
`in about...
`total of. .
`pay...
`Only the minimum
`payment
`$152
`
`,
`
`$5,999
`
`$5,474
`(Savings=$525)
`
`6 years
`
`3 years
`
`Customer Service
`BNK 2° L0G
`Activity Summary
`Previous Balance
`Payments
`Other Credits
`Purchases
`Balance Transfers
`Advances
`Other Debits
`Fees Charged
`Interest Charged
`New Balance
`Past Due
`Minimum Payment Due
`Credit Line
`Available Credit
`Days in BillingPeriod
`
`Accountz— 2352
`c 1-866-411-2079
`
`Page 1 of 2
`
`8
`
`2
`
`$4,654.07
`$0.00
`$0.00
`$0.00
`$0.00
`$0.00
`$0.00
`$0.00
`$41.81
`$4,695.88
`$779.00
`$871.00
`$4,500.00
`None
`32
`
`lf you would like information about credit counseling services,
`call 866-951-1391.
`
`Paying the New Balance in full will not pay off your account, please call Customer Service for the payoff amount.
`
`Payment
`Options:
`
`.m— Mail payment coupon
`with a check
`
`\ig usbank.oom
`
`Pay online at
`
`Pay by phone
`1-866—411-2079
`
`Pay at your local
`I \ U.S. Bank branch
`
`Please detach and send coupon with check payable to: U. S. Bank
`
`EEbank
`
`24-Hour Customer Service: 1-866—411-2079
`c . to pay by phone
`000004864 o1 SP
`
`000638537810258 P Y
`
`ROMAN G FRAULINI
`1633 145TH LN Nw
`ANDOVER MN 55304-3113
`
`Account Number — 2352
`
`Payment Due Date
`New Balance
`Minimum Payment Due
`
`9/01/2020
`$4,695.88
`$871.00
`
`Amount Enclosed
`
`0
`
`U.S. Bank
`P-O- 39X 790408
`St. Louis, MO 63179-0408
`
`

`

`02-CV-23-1991
`
`Filed in District Court
`State of Minnesota
`4/21/2023 6:59 AM
`
`What To Do If You Think You Find A Mistake On Your Statement
`If you think there is an error on your statement, please call us at the telephone number on the front of this statement, or write to us at:
`Cardmember Service, PtO. Box 6335, Fargo, ND 58125-6335, tn your letter or call. give us the foltowing information:
`Account information: Your name and account number. Dollar amount: The dollar amount of the suspected error.
`Description of Problem: If you think there is an error on your bill. describe what you believe is wrong and why you believe it is a mistake.
`You must contact us within 60 days atter the error appeared on your statement. While we investigate whether or not there has been an error,
`the following are true:
`D We cannot try to collect the amount in question. or report you as delinquent on that amount.
`b 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
`D While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
`D 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 goods or services that you have purchased with your credit card, and you have tried 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 use this 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. (Note: Neither of these are 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 your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses
`your credit card account do not qualify.
`3. You must not yet have fully paid for the purchase.
`lf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Cardmember Service, P.O, Box
`6335, Fargo, ND 58125-6335. 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.
`Important Information Regarding Your Account
`1. INTEREST CHARGE: Method of Computing Balance Subject to interest Rate: We calculate the periodic rate or interest portion of the
`INTEREST CHARGE by multiplying the applicable Daily Periodic Rate ("DPR") by the Average Daily Balance ("ADB") (including new
`transactions) of the Purchase. Advance and Balance Transfer categories subject to interest, and then adding together the resulting interest
`from each category. We determine the ADB separately for the Purchases. Advances and Balance Transfer categories. To get the ADB in
`each category. we add together the daily balances in those categories for the billing cycle and divide the result by the number of days in the
`billing cycle. We determine the daily balances each day by taking the beginning balance of those Account categories (including any billed but
`unpaid interest. fees. credit insurance and other charges), adding any new interest. fees. and charges, and subtracting any payments or
`credits applied against your Account balances that day. We add a Purchase. Advance or Balance Transfer to the appropriate balances for
`those categories on the later of the transaction date or the first day of the statement period. Billed but unpaid interest on Purchases, Advances
`and Balance Transfers is added to the appropriate balances for those categories each month on the statement date. Billed but unpaid
`Advance Transaction Fees are added to the Advance balance of your Account on the date they are charged to your Account. Any billed but
`unpaid fees on Purchases. credit insurance charges, and other charges are added to the Purchase balance of the Account on the date they
`are charged to the Account. Billed but unpaid fees on Balance Transfers are added to the Balance Transfer balance of the Account on the
`date they are charged to the Account. In other words, billed and unpaid interest, fees, and charges will be included in the ADB of your
`Account that accrues interest and will reduce the amount of credit available to you. To the extent credit insurance charges, overlimit fees.
`Annual Fees. and/or Travel Membership Fees may be applied to your Account. such charges and/or fees are not included in the ADB
`calculation for Purchases until the first day of the billing cycle following the date the credit insurance charges, overlimit fees, Annual Fees
`and/or Travel Membership Fees (as applicable) are charged to the Account. Prior statement balances subject to an interest—free period that
`have been paid on or before the payment due date in the current billing cycle are not included in the ADB calculation.
`Note for Premier Line Plus Accounts: If your periodic statement shows a tiered balance in the Interest Charge Calculation Section, the
`interest portion of the periodic interest charge is calculated as noted above, with the following exceptions: The Standard Rate Average Daily
`Balances will be calculated individually by Purchase. Advance and Balance Transfer. The Tier One Price Discount and Tier Two Price
`Discount Average Daily Balances will be calculated individually by the rate tier.
`2. Payment Information: You must pay us in U.S. Dollars with checks or similar payment instruments drawn on a financial institution located
`in the United States. We will also accept payment in U.S. Dollars via the lntemet or phone or previously established automatic payment
`transaction. We may. at our option. choose to accept a payment drawn on a foreign financial institution, However, you will be charged and
`agree to pay any collection fees required in connection with such a transaction. The date you mail a payment is different than the date we
`receive that payment, The payment date is the day we receive your check or money order at U.S. Bank National Association. P.O. Box
`790408, St. Louis, MO 63179-0408 or the day we receive your electronic or phone payment. All payments by check or money order
`accompanied by a payment coupon and received at this payment address will be credited to your Account on the day of receipt if received by
`5:00 p.m. CT on any banking day. Mailed payments that do not include the payment coupon and/or are mailed to a different address will be
`processed within 5 banking days of receipt and credited to your Account on the day of receipt. In addition. if you mail your payment without a
`payment coupon or to an incorrect address. it may result in a delayed credit to your Account. additional INTEREST CHARGES. fees, and
`possible suspension of your Account. Internet and telephone payment options are available, and crediting times vary (but generally must be
`made before 5:00 pm. CT to 8 p.m. CT depending on what day and how the payment is made).
`If you are making an intemet or telephone
`payment. please contact Cardmember Service for times specific to your Account and your payment option. Banking days are all calendar
`days except Saturday. Sunday and federal holidays. Payments due on a Saturday, Sunday or federal holiday and received on those days will
`be credited on the day of receipt. There is no prepayment penalty if you pay your balance at any time prior to your payment due date.
`3. Credit Reporting: We may report information on your Account to Credit Bureaus. Late payments. missed payments or other defaults on
`your Account may be reflected in your credit report.
`
`

`

`02-CV-23-1991
`
`Filed in District Court
`State of Minnesota
`4/21/2023 6:59 AM
`
`EEbank.
`
`August 2020 Statement
`ROMAN G FRAULINI
`
`07/04/2020 - 08/04/2020
`
`Customer Service
`
`Page 2 of 2
`1-866-411-2079
`
`c
`
`important ?Messages ~
`There is no interest-free period for transactions that post to the Account except as provided in any Offer
`are subject to interest from the date they post to the Account until the date they are
`MaéeriaflsilTransactions
`In u .
`par
`If you believe we have inaccurately reported information to any Consumer Reporting Agency, you may
`submit a dispute by writing to us. In order for us to assist you with your dispute. you must provrde your
`name, address, phone number, account number, the specific information you are dis uting, the explanation
`of why it is incorrect, and any supporting documentation (e.g., affidavit of identity the ), if applicable, to:
`US. Bank National Association
`Consumer Recovery Department
`Attn: CBR Disputes
`PO. Box 108
`St Louis, MO 63166-0108
`Your account is seriously past due. We have very attractive settlement and reduced interest/payment
`programs. We urge you to call us at 1-877-838—4346.
`
`-
`
`Tmsacfi°ns. ..
`Interest Charged
`Post
`Date
`
`08/04
`08/04
`
`1. ..
`
`.
`
`.
`
`..
`
`.
`
`_
`
`.. - - . ._
`
`.
`
`..
`
`_.
`
`.
`
`.1
`
`._
`
`.. 1 .. .
`
`.1
`
`.1
`
`1
`
`1 -1.
`
`..
`
`..
`
`..
`
`.
`
`.. -
`
`1.
`
`.1.-.
`
`-
`
`.
`
`Transaction Description
`INTEREST CHARGE ON PURCHASES
`INTEREST CHARGE ON CASH ADVANCES
`TOTAL INTEREST THIS PERIOD
`
`Amount
`
`$1.58
`$40.23
`$41.81
`
`-
`
`"
`
`'t 1:":
`
`:f::: ZOZOTOta'SYeaHQTDaQ: :
`Total Fees Charged in 2020
`Total Interest Charged in 2020
`
`:
`
`1:
`
`::
`
`:
`
`" "
`
`0
`
`$1 74 .00
`$319.78
`
`Interest Charge Calculation
`Your Annual Percentage Rate (APR) is the annual interest rate on your account.
`"APR for current and future transactions.
`
`Balance Type
`"BALANCE TRANSFER
`"PURCHASES
`"ADVANCES
`ContactUs : 1::
`
`:1
`
`::
`
`Balance
`By Type
`
`$0.00
`$178.44
`$4,517.44
`
`Balance
`Subject to
`Interest Rate
`
`$0.00
`$176.86
`$4,477.21
`
`Variable
`YES
`YES
`YES
`
`Interest
`Charge
`
`$0.00
`$1.58
`$40.23
`
`:'::'::::
`
`..
`
`11
`
`.
`
`..
`
`.
`
`....
`
`.... ..
`
`1
`
`__
`
`_.
`
`_.
`
`..
`
`_.
`
`.1
`
`..
`
`..
`
`..
`
`._
`
`Phone
`
`c
`Voice:
`TDD:
`Fax:
`
`7 Questions
`
`5'
`
`1-866—411-2079
`1-888—352-6455
`1866-5687729
`
`Customer Service
`PO. Box 6352
`Fargo, ND 58125-6352
`
`Mail payment coupon
`with a check
`US. Bank
`PO. Box 790408
`St. Louis. MO 63179-0408
`
`End of Statement
`
`Annual
`Percentage
`Rate
`
`Expires
`with
`Statement
`
`10.25%
`10.25%
`10.25%
`
`r Online
`
`usbankcom
`
`

`

`02-CV-23-1991
`
`Filed in District Court
`State of Minnesota
`4/21/2023 6:59 AM
`
`Ebank.
`
`Account:— 2352
`c 1-866-411-2079
`
`Page 1 of 3
`
`a
`
`2
`
`February 2020 Statement
`a" . Open Date: 01/04/2020 Closing Date: 02/04/2020
`I u.s. Bank Personal Line
`ROMAN G FRAULINI
`..54,1.9545
`New Balance
`Minimum Payment Due
`---$94-00
`03/01/2020
`Payment Due Datg:
`1.313 P3yrn3nt Warnmg- if; W3do not rec3iv3 your
`minimum payment by thedate _listed abov3.you _may have
`to pay; up to a $40.()0 L313 Fee,
`
`......
`
`.
`
`.
`
`.
`
`Minimum Payment Warning: If you make only the minimum
`payment each period, you will pay more in interest and it will
`take you longer to pay off your balance. For example:
`You will pay off
`If you make no
`And you will
`the balance shown
`end up paying
`additional charges
`on this statement
`an estimated
`using this card and
`each month you
`total of...
`in aboutm
`gay...
`Only the minimum
`payment
`$138
`
`$5.898
`
`$4.998
`(Savings=$900)
`
`7 years
`
`3 years
`
`Customer Service
`BNK 20 Loc
`Activity Summary
`Previous Balance
`Payments
`Other Credits
`Purchases
`Balance Transfers
`Advances
`Other Debits
`Fees Charged
`Interest Charged
`New Balance
`Past Due
`Minimum Payment Due
`Credit Line
`Available Credit
`Days in Billing Period
`
`$4,244.85
`$93.000R
`$0.00
`$0.00
`$0.00
`$0.00
`$0.00
`$0.00
`$43.60
`$4,195.45
`$0.00
`$94.00
`$4,500.00
`$304.55
`32
`
`If you would like information about credit counseling services,
`call 866-951-1391.
`
`Paying the New Balance in full will not pay off your account, please call Customer Service for the payoff amount.
`
`Payment
`Options:
`
`-
`
`Mail payment coupon
`with a check
`
`\Q; usbankcom
`
`Pay online at
`
`c Pay by phone
`
`1-866411-2079
`
`H Pay at your local
`
`/ \ U.S. Bank branch
`
`No payment is required.
`
`EEbank
`
`24-Hour Customer Service: 1-866-411-2079
`c . to pay by phone
`00000314801 AB 0.419 000638353462945 P Y
`
`ROMAN G FRAULINI
`W
`1633 145TH LN N
`ANDOVER MN 55304-3113
`
`Automatic Payment
`2352
`Account Number:
`An automatic payment of $94.00 will be
`deducted from your account on 03/01/20. If
`you chm: to make additional payments
`please write your account number on your
`check and mail to:
`U.S. Bank
`P.O. Box 790408
`St. Louis, MO 63179-0408
`
`

`

`02-CV-23-1991
`
`Filed in District Court
`State of Minnesota
`4/21/2023 6:59 AM
`
`What To Do If You Think You Find A Mistake On Your Statement
`If you think there is an error on your statement, please call us at the telephone number on the front of this statement, or write to us at:
`Cardmember Service. P.O. Box 6335. Fargo, ND 58125-6335 In your letter or call. give us the following information:
`Account information: Your name and account number' Dollar amount: The dollar amount of the suspected error.
`Description of Problem: If you think there is an error on your bill. describe what you believe is wrong and why you believe it is a mistake.
`You must contact us within 60 days afler the error appeared on your statement. While we investigate whether or not there has been an error,
`the following are true:
`D We cannot try to collect the amount in question, or report you as delinquent on that amount.
`D The charge in question may remain on your statement, and we may continue to charge you interest on that amounts 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
`b While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
`D 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 goods or services that you have purchased with your credit card. and you have tried 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 use this 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 pn'ce 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 company that sold you the goods or services.)
`2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses
`your credit 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 you are still dissatisfied with the purchase, contact us in writing at: Cardmember Service, P.O. Box
`6335, Fargo, ND 58125-6335. 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.
`Important Information Regarding Your Account
`1. INTEREST CHARGE: Method of Computing Balance Subject to Interest Rate: We calculate the periodic rate or interest portion of the
`INTEREST CHARGE by multiplying the applicable Daily Periodic Rate ("DPR") by the Average Daily Balance ("ADB") (including new
`transactions) of the Purchase, Advance and Balance Transfer categories subject to interest. and then adding together the resulting interest
`from each category. We determine the ADB separately for the Purchases, Advances and Balance Transfer categories. To get the ADB in
`each category, we add together the daily balances in those categories for the billing cycle and divide the result by the number of days in the
`billing cycle. We determine the daily balances each day by taking the beginning balance of those Account categories (including any billed but
`unpaid interest, fees, credit insurance and other charges), adding any new interest, fees, and charges, and subtracting any payments or
`credits applied against your Account balances that day. We add a Purchase, Advance or Balance Transfer to the appropriate balances for
`those categories on the later of the transaction date or the first day of the statement period. Billed but unpaid interest on Purchases, Advances
`and Balance Transfers is added to the appropriate balances for those categories each month on the statement date. Billed but unpaid
`Advance Transaction Fees are added to the Advance balance of your Account on the date they are charged to your Account. Any billed but
`unpaid fees on Purchases. credit insurance charges, and other charges are added to the Purchase balance of the Account on the date they
`are charged to the Account. Billed but unpaid fees on Balance Transfers are added to the Balance Transfer balance of the Account on the
`date they are charged to the Account. ln other words, billed and unpaid interest, fees, and charges will be included in the ADB of your
`Account that accrues interest and will reduce the amount of credit available to you. To the extent credit insurance charges, overlimit fees,
`Annual Fees, and/or Travel Membership Fees may be applied to your Account, such charges and/or fees are not included in the ADB
`calculation for Purchases until the first day of the billing cycle following the date the credit insurance charges, overlimit fees, Annual Fees
`and/or Travel Membership Fees (as applicable) are charged to the Account. Prior statement balances subject to an interest-free period that
`have been paid on or before the payment due date in the current billing cycle are not included in the ADB calculation.
`Note for Premier Line Plus Accounts: If your periodic statement shows a tiered balance in the Interest Charge Calculation Section, the
`interest portion of the periodic interest charge is calculated as noted above, with the following exceptions: The Standard Rate Average Daily
`Balances will be calculated individually by Purchase, Advance and Balance Transfer. The Tier One Price Discount and Tier Two Price
`Discount Average Daily Balances will be calculated individually by the rate tier.
`2. Payment Information: You must pay us in US. Dollars with checks or similar payment instruments drawn on a financial institution located
`in the United States. We will also accept payment in U.S. Dollars via the Internet or phone or previously established automatic payment
`transaction. We may, at our option, choose to accept a payment drawn on a foreign financial institution. However, you will be charged and
`agree to pay any collection fees required in connection with such a transaction. The date you mail a payment is different than the date we
`receive that payment. The payment date is the day we receive your check or money order at U.S. Bank National Association, P.O. Box
`790408, St. Louis, MO 63179-0408 or the day we receive your electronic or phone payment. All payments by check or money order
`accompanied by a payment coupon and received at this payment address will be credited to your Account on the day of receipt if received by
`5:00 p.m. CT on any banking day. Mailed payments that do not include the payment coupon and/or are mailed to a different address will be
`processed within 5 banking days of receipt and credited to your Account on the day of receipt. In addition, if you mail your payment without a
`payment coupon or to an incorrect address, it may result in a delayed credit to your Account, additional INTEREST CHARGES, fees, and
`possible suspension of your Account. Internet and telephone payment options are available, and crediting times vary (but generally must be
`made before 5:00 pm. CT to 8 p.m. CT depending on what day and how the payment is made).
`If you are making an intemet or telephone
`payment, please contact Cardmember Service for times specific to your Account and your payment option. Banking days are all calendar
`days except Saturday, Sunday and federal holidays. Payments due on a Saturday, Sunday or federal holiday and received on those days will
`be credited on the day of receipt. There is no prepayment penalty if you pay your balance at any time prior to your payment due date.
`3. Credit Reporting: We may report information on your Account to Credit Bureaus. Late payments, missed payments or other defaults on
`your Account may be reflected in your credit report.
`
`

`

`02-CV-23-1991
`
`Filed in District Court
`State of Minnesota
`4/21/2023 6:59 AM
`
`@bank.
`
`February 2020 Statement
`ROMAN G FRAULINI
`
`01/04/2020 — 02/04/2020
`
`Customer Service
`
`Page 2 of 3
`1-866-411-2079
`
`c
`
`'
`
`important MéssagéS"
`There is no interest-free period for transactions that post to the Account except as provided in any Offer
`are subject to interest from the date they post to the Account until the date they are
`MaterialsiITransactions
`paid in fu .
`If you believe we have inaccurately reported information to any Consumer Reporting Agency, you may
`submit a dispute by writing to us. In order for us to assist you with your dispute, you must provrde your
`name, address, phone number, account number, the specific information you are dis uting, the explanation
`of why it is incorrect, and any supporting documentation (e.g., affidavit of identity the ), if applicable, to:
`U.S. Bank National Association
`Consumer Recovery Department
`Attn: CBR Disputes
`P.O. Box 108
`St Louis, MO 63166-0108
`Your payment of
`$94.00 will be automatically deducted from your bank account on 03/01/2020. Please
`refer to your AutoPay Terms and Conditions for further information regarding this account feature.
`Each time you or a third party on your behalf, pays your bill by personal check, you authorize us to convert
`that payment into an electronic debit. If the check is processed electronically, the checking account will be
`debited for the amount on the check and the debit will appear on your account statement.
`If you have any
`questions, please contact us at the Inquiries phone number located on this statement.
`
`.
`
`.Iransactiona
`Payments and Other Credits
`Trans
`Post
`Ref #
`Date
`Date
`02/01 MTC
`
`02/03
`
`Transaction Description
`PAYMENT THANK YOU
`
`TOTAL THIS PERIOD
`
`Amount
`$93.000R
`$93.00CR
`
`Interest Charged
`Post
`Date
`
`02/04
`
`Transaction Description
`INTEREST CHARGE 0N CASH ADVANCES
`TOTAL INTEREST THIS PERIOD
`
`Amount
`
`$43.60
`$43.60
`
`2020 Totals "Yearetmoate
`Total Fees Charged in 2020
`Total Interest Charged in 2020
`
`$0.00
`$86.35
`
`"
`
`'
`
`"
`
`"
`
`intéré's't'bhargé calculation"
`Your Annual Percentage Rate (APR) is the annual interest rate on your account.
`"APR for current and future transactions
`
`Balance Type
`"BALANCE TRANSFER
`"PURCHASES
`"ADVANCES
`
`Balance
`By Type
`
`$0.00
`$0.00
`$4,195.45
`
`Balance
`Subject to
`Interest Rate
`
`$0.00
`$0.00
`$4,233.22
`
`Variable
`YES
`YES
`YES
`
`Interest
`Charge
`
`$0.00
`$0.00
`$43.60
`
`Annual
`Percentage
`Rate
`
`Expires
`with
`Statement
`
`11.75%
`11.75%
`11.75%
`
`Continued on Next Page
`
`

`

`02-CV-23-1991
`
`Filed in District Court
`State of Minnesota
`4/21/2023 6:59 AM
`
`@bank.
`
`February 2020 Statement
`ROMAN G FRAULINI
`
`01/04/2020 - 02/04/2020
`
`Customer Service
`
`Page 3 of 3
`1-866-411-2079
`
`c
`
`End of Statement
`
`

`

`02-CV-23-1991
`
`Filed in District Court
`State of Minnesota
`4/21/2023 6:59 AM
`
`Exhibit B
`
`

`

`02-CV-23-1991
`
`U.S. Bank National Association
`P. O. Box 6352
`Fargo. ND 58125-6352
`
`Filed in District Court
`State of Minnesota
`4/21/2023 6:59 AM
`
`Page 1 of 9
`
`000002257 02 SP
`FRAULINIROMAN G
`1633 145TH LN NW
`ANDOVER MN 55304-3113
`
`106481443351799 F
`
`U.S. Bank Premier Line Agreement
`Welcome to U.S. Bank National Association. This is your U.S. Bank Premier Line agreement and disclosure
`statement.
`
`Interest Rates and Interest Charges
`1 1.50% This APR will vary with the market and is based on the Prime Rate.
`11.50%. This rate will vary with the market based on the Prime Rate.
`11.50%. This APR will vary with the market and is based on the Prime Rate.
`There is no Penalty Rate for your Account.
`
`Annual Percentage Rate
`(APR) for Purchases
`APR for Balance Transfers
`APR for Cash Advances
`Penalty APR and
`When It Applies
`Paying Interest
`
`Minimum Interest Charge
`For Credit Card Tips from
`the Consumer Financial
`Protection Bureau
`
`Fees
`Set Up and Maintenance
`Fees
`
`- Annual Membership
`Fee
`- Travel Membership Fee
`- Enrollment Fee
`
`Your due date is 24-30 days after the close of each billing cycle. There is no
`interest-free period.
`If you are charged interest, the charge will be no less than (No Minimum).
`To learn more about factors to consider when applying for or using a credit card. visit
`the website of the Consumer Financial Protection Bureau at
`http:I/www.consumerfinance.gov/learnmore.
`
`NOTICE: Some of these set—up and maintenance fees will be assessed before you
`begin using your Card and based on your Credit Limit, your initial available credit will be
`less.
`You may still reject this Account, provided that you have not yet used it or paid a fee
`after receiving a billing statement.
`If you do reject the Account. you are not responsible
`for any fees or charges.
`NONE
`
`NONE
`NONE
`
`

`

`02-CV-23-1991
`
`000002257 02 SP
`
`106481443351799 F
`
`Filed in District Court
`State of Minnesota
`4/21/2023 6:59 AM
`
`Page 2 of 9
`
`Transaction Fees
`I Balance Transfer and
`Convenience Check
`Advance
`Cash Advance ATM
`
`Cash Financial
`Institution
`Cash Equivalent
`Advance
`Overdraft Protection
`Foreign Transaction
`
`Penalty Fees
`I Late Payment
`
`- Overlimit
`- Returned Payment
`
`NONE
`
`Either $15.00 or 4.00% of the Advance amount, whichever is greater (maximum fee
`(No Maximum».
`NONE
`
`Either $20.00 or 4.00% of the Advance amount, whichever is greater (maximum fee
`(No Maximum».
`NONE
`.00% of each foreign purchase transaction in U.S. Dollars.
`3.00% of each foreign purchase h'ansaction in a Foreign Currency.
`.00% of each foreign ATM advance tansaction in U.S. Dollars.
`3.00% of each foreign ATM advance transaction in a Foreign Currency.
`
`The first time your payment is late, a Late Payment Fee of up to $27.00 will be
`assessed. lf another payment is late during the next 6 billing cycles. a Late Payment
`Fee of up to $38.00 will be assessed.
`NONE
`The first time your payment is returned, a Returned Payment Fee of up to $25.00 will be
`assessed.
`If another payment is returned during the next 6 billing cycles, a Returned
`Payment Fee of up to $35.00 will be assessed.
`
`How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
`See your Agreement for more details.
`Information on your rights to dispute transactions and how to exercise those rights is provided in your
`Billing Rights:
`Agreement.
`Inu'oductory Balance Transfer: The interest rate that is applied to your Account will apply only to those Balance
`Transfers made in accordance with offers extended when your Account was opened.
`0.5. Bank Premier Llne Account Agreement
`3. Purchases: You may use the Account to buy. lease or otherw'se obtain goods or
`services from participating merchants (including transactions you initiate by mail,
`This is an agreement and disclosure statement ("Agreement") between you and U.S.
`telephone or over the Internet). or take advantage of special promotional Balance
`Bank National Association containing the terms that will apply to your U.S. Bank
`that post as Purchase transactions ("Purchases"). We will.
`Transfer offers
`in
`Premier Line Account ("Account") effective February 7. 2018.
`connection with any