EXHIBIT
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`FAGE 1 OF 4
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`ek etk _atorw_f 073
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`Accoun
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`Previous balancs +$H12. 29347
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`-0.00
`Othear oF adits 0 5_.] Mindrnumm Payment Werniing: i you make only
`Parehasas +060 paymert for @ach period, you will pay more in interast and it wiil
`Otk 1#r> debils +E‘]7C‘-’O mhkae you longer 1o pay off your balance. For example:
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`Rt +0.0 L E yoss make o additional | You will pay off | AR Wl wwikl |
`Cash advance 0.00 i ! !
`Balanca ransfer +0.00 | charges using this card : the bhaiance shown encd U paying an
`Fees chiarged +3¢!>SO | ang each month you pay: | | on e statement | estmated otal
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`B b e i | i skeoust: = |
`intsrast charged +283.81 i . i 1 1
`[P T H 13 58108 i QOnly the minimum payrment I3 years
`Past due amount _3)2-:%9 OO o information regarding credit counseling
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`as ary nt $2. 592,
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`call 1-800G-2845-17035.
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`$11,900.00
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`Availabls cash
`Statement closing date
`Davs in billing cycle 31
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`TRAMNS DBATE TRANSACTION DESCRIFPTIONACOUATION ARAOLNT
`Feas
`O7I2852023 LATE FEER 392,00
`S, TOEAL FEES FOR THIS PEFRSCQD . %3880
`irntteorest charged
`inferesi Charge o5 Purchases E2/I.B1
`ntarest Chargse on Sash Advances $0.00
`Total Interast Far This Pesioc 283 .81
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`2023 tofsls yoar o date
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`Total fees charged in 2023 $32312.00
`Total interest charged in 2023 $2.028.00
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`Your A a3 Percentage Rale (APR} is f te on your account. See BALANCE CORMPUTATION
`METHDD on pags 2 for more details. Minimum inerest charges may axceed intarest charge below. par your credit card
`agraaemant.
`TYPRE OF BALANCE SI3BFECT INTEREST
`SALANCE APR TOINTEREST RATE CHARGE
`Purchasess 24 89 {v) 10, 784.42 | 3 22545
`Cash Sdvances 29.88% (v} S.00 0.Co
`PEMERCE 2218301 24.85% {v} 2.566 50 5518
`See reverse s
`‘FPleass tsar at perforation above
`New balance Minimum pay ment
`$13.843.08 $3. 3000
`C! Yes, | have moved or updated v Mailled payments must reach us
`e-raail address - see reverse. Arposnt enclosaed: hy 8 prn ET on DRABEORTE.
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`Please make checlk pavabie to:
`U T I T UL L T L T B U T L T COMENTY - LEGENDARY PINE MG
`QPEMNCER KUHLS z'gasgoijQSJZS norttan along with your paymsnt to:
`4253 N MARNING D Dallas TX 75265-0025
`HOLLEY NY 14470-204638 = i ST
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`5
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`Keep this po
`WRGE T 830 IF Yl THNK YO £ A RIISIRINS 20 YOy SIRtement
`if vou think there is an srror on your statament, write to us at: Comen
`PO Box 182782, Columbus, OH 43218 282,
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`in your letter, give us thie foliswing information:
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`- Ancaid intorrnation: Your name and ascountd ruamisr.,
`- Dojiar amowunt Ths do amsunt of thes suspectsd srror.
`~ Sescripiinng cfl:n;vba's-‘r' vou think there is an smror on your bili,
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`describe what you belis e weong and why you belisves itis a
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`n 80 daye after the sacr apoearsd on your
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`y us of any potential sirers in wiiting. You may call
`su do we are nntreg sd o investigate any cotent
`yfiu mayv havs to pay the ano 1t in question
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`VVhllr‘ we investigate whether or not thers has besn an srror, the foliowi
`aare trus
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`- ‘J\.’r‘ cannot ity 1o collect the amaont o question, orrepud ysu as
`uent on *l‘a‘t amount.
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`- ST roay eemnain on your sfatsment, and we mmay
`v interest or at amoaunt. Bu we dstermine
`=2, vou will thave (¢ pay the amountin
`question or v intor ebtq-’ siher es reiated io that amount.
`< While you do nat have ta pay the amicunt in guestion, you ars
`recponisible or e remaindsr of your balance.
`= Wie can spply any utnoaid aroount against vour cradit fimit.
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`VoL RIQeEs iF You Are Lissatisiied WHh Your Credit Card Furehases
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`fyou are dissatisfisd with the goods o services i*a* you have rehased
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`b youwr credit card, a von have tried good 1 ta corre o
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`h the rmosich : may have ths right not to pay the nEining amount
`s the pu;
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`e state or within 100
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`855, ond t hass price 15t have
`Ncrie Neithar of thase is nscsssary if vour purchase
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`\/»:'ti%a'r-:-)nt we mailad to you, aorif we own the company
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`seen mors than €5
`was bassd on an a
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`2. You musthave ussd your cre::fi
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`and for the purnchass . Purchases made
`w.th cash advances fmim an ATM or with & check that accesses your credit
`Nt do not guali
`2. You mustnot vet hiave fully paid tor the purchiase.
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`sl of the crite Love are metand you are otill dissatisfied with the
`rehase . contact us i wrding att Comenity Bank, PO Box 132782,
`Coturnbus, OH 432132782
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`WWhile we invesigote,
`discusssd above. Afte
`decision. At that poird, if we th
`may rsourt you as delinguent.
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`apoly 1o the dispuisd amount as
`n ouri tigation, ws wili tell you sur
`ink you aws anamountand you do nat pay ws
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`CREQIT REFORTING. We mia ort infoaniation about your acoournt io
`credit bureaus. Late payments, nissed paymants, or other defaults on your
`avscount may be reflecisd in your credii report.
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`NOTICE OF CREDIT REFORYT DISFUTES
`fyou belisvse ws rsporisd to 2 consumsr reporting agsncy is
`inascurate, notity us at Comernity Bank, PO Box 13278%, Caolumbus, OH
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`422132782, Please provids
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`- names and 3CcoLy
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`- Your address and 1 ohons numbesr
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`° faomation yn;u 'I-so-us .ar-:: wh‘ you belisve it is inaccurats
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`Send ail bankrupicy notices and relatad cory idence to C
`ank, Bankrupicy Cepartneant, PO Siox 1821235, Columbus, O
`422432125,
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`ity
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`PAYMEMNTS MARKED “"PAID N FULL™S
`regqarding dispuisd amounts iat
`wsirument marked with "payrosint in full”
`3000 Keltway Drive, Suits 120, Caonaiiton
`D NOT LISE THE ENCLOSED REMITTANTCE
`-We may accept payrosnt sent fa any ather ad
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`ctude
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`r :ar-gong st be- sentto:
`L, TX 75008
`ENVYELOPE.
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`aithout losing sny of our
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`PA\‘ING INTEREST. o 18]
`vole., We will n‘xt' harge voou interest on purchasss if you pay your
`ance oy the due date each month. VWsa begin charging interest
`an balancs Tansfers arc! cash advanees an the mansaction dats. We will
`bsgin to charge interest on naw purchases mads under 2 Low AFQ Eg i
`Fayrosnt or Sudget Fayviment Sraedit Flan from the date of purshas
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`BALANCE DSOMPUITATION METHOID. We o
`ba ancs using the me od-‘s, describec
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`ctin
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`sulat
`below.
`nierest Rate oolur
`this statem=ent corespo
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`v far
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`(oA Ve Tigure the intersst charmgs on
`rate to abarse™
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`o perncd. To get the "dotly
`, 2dd any new Tansactions
`+AUNG @any et ooadit
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`balance.
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`and ‘ea.-: ond :::otro::f any
`balance as a zers balancs). T.
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`LUSTOMER SERVICE. \/lbl“ COMEMNITY. NE MLEGENDARYFINE or call
`1-285-587-83a50 {TOD/T I00-5385-17458). Send all inguiriaes to:
`CUSTOMEIR SERWVICE, F’D Box 183273, Co-lun Lus, O 232182273,
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`TELEFHONE MOMNITORING. To provids you with high-
`cennnidnication with us is monitored and/or recarded.
`AT IOMNAL INEFORMATION. Abl)rev-(zhon' <l y(.ur staterment me
`toliowing means varaole rats (th \ 7
`l"‘c‘,‘!“l& \:\IAI‘\/E INTIER AN
`| £ INTEREST, EQUAL PAYREN r WY INT
`VY PAYMENT FINT PY RO resa
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`quatity service, phane
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`rothe
`"G
`rmeans
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`OW FPAYRA
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`and LOWW APR EG PAY means NT.You may pay
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`ail of vour Account balance at any tinnes without penalty
`NOTICE ABOUT ELECTRONIC THECHK CONY SIOM. Vwhen you prov
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`a check as payment, vou authorize us eithsr o use information from vo
`Sheck o roake a sne-tros sisctranic fmd fransfer fimm your acocount or @
`process thio payimsat as a check ransaction.
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`FPAYMERNTS. Payvmenis inn U.S. doliars recsived by ths ao able due date
`and cutoff times will be cradited as of the date recesived. Mailad or overightad
`peyme).ts miu also mest the requirsmenits beiovw. Othernwiss, a paymernt
`rozy v nat be credited for up o five days of may be rsjscied. This card is
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`:-ue'I by Comenity Bank pursuant o a licenss from Meosisrsard intematonal
`corporated. M ard is a registsred trademari
`t»rn,—fi-o)‘a: incurparatsd.
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`- TSere a oensanal sheck, 'n:‘.nn) orclsr, froveln
`check © the name and addrsss on the o
`2000 Ksbhway Diive, Suite 120, Carroilie
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`- {nciude your payme 0. use tf e return er ape pi:;v.d o withs your
`statemsnt, Ur aoccount number on the check and send ons
`oaymsnt wit mierd stub.
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`ts
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`New Infarmation
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`Title {gptional) First Nameg
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`- Do not sta 1o,
`TOFFrE3pPpaAnNasns Wt J R~
`FPay By Phona Suloif thme S3:00 pom. ETX: Call us toli free at
`1-888-587-3850TDL/TTY 1-200-6895-1 738},
`Onkine {outoff t:‘me S‘DC- B, BT Visit
`COMERNITY NE ENDARYPINE.
`M
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`Last Name
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`Soc. Sec. No.
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`Street Address
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`Apt. No. RR
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`City
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`Zip Code Foreignh Map Code
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`Horrie Phone
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`Emait Address
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`Work Phone
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`TOTAL
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`NAI
`FURCHASE
`CATE
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`RIGINAL
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`FAY MENTE NEVY FLAR PLAN AT
`& CREDITS BALANCE MININUM INTERES
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`c.ao 10,912.01 228.4%
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`INIA NIA
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`CORIGINAL
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`PURCHASE FLAN Lo R - PAN MENT S NEWY FLAN FLAN
`AMOUNT EXFIRES BALANCE & CHARGES & CREDITE SALANC AMINIMIUM
`NSA NONIE 2572 3 C.0C [SNule] SLB8E8.07 300
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`Find out
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`We noticed vou prefer to pay onlir
`Yo batter serve vou, we wiill no ionger include @ o
`one, cortact Custemer Care and we will includs it with futurse statemesnts.
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`itlance enveiope with billing statemants. If vou still prefer to receivs
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`IMMEDIATE ATTENTION REQUIRED! Your Account is extremsly past due and will be written off as a bad debt SOON.
`To aveid this, you must pay the Minimum payment amount shown on this statement at isast 4 davs prior to the end of the
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`it bha able to ass
`ions. H writhen o
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`t you. Cail
`th= bad
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`permittad and avaiiablie under applicainle law, to orotect ocur interests.
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`IMPORTANT INFORMATION ABOCUT LATE FEE CREDITS
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`Ve mmay occasionally provide a credit for the amount, part or all, of a iate fea charged to your account. |
`charge a fee of up o $32.00 for any subseguent laie payment. in addition, we may revarse the cradit a
`chargs to your account if you fail to make the m ent dus on or before the due dats in thae
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