DeclarationCal. Super. - 6th Dist.November 20, 2020Electronically Filed by Superior Court of CA, County of Santa Clara, on 3/30/2021 8:59 PM Reviewed By: D Harris Case #20CV373863 Envelope: 6142971 20CV373863 Santa Clara - Civil D Harris 10 ll 12 l3 l4 15 16 17 l8 19 20 21 22 23 24 25 26 27 28 n 330106 JACK H. POGOSIAN, State Bar No.: 305741 Kg“! Kenealy Hevry . .4 MANASI TAHILIANI, State Bar No.: 272821 CHRISTINA ARNOLD, State Bar No.: 297590 HYO JIN JULIA JUNG, State Bar No.: 3 16090 MELINE GRIGORYAN, State Bar No.: 32] 133 MICHAEL D. KAHN, State Bar No.: 236898 NICHOL ALAN DE GUZMAN, State Bar No.: 314989 CAMRYN P. BERK, St'ate Bar No.: 317565 350 CAMINO DE LA REINA, SUITE 100 SAN DIEGO, CA 92108 Telephone: (866) 300-8750 Facsimile: (858) 309-1588 Attorneys for Plaintiff SUPERIOR COURT OF CALIFdRNIA COUNTY OF SANTA CLARA DOWNTOWN SUPERIOR COURT MIDLAND CREDIT MANAGEMENT, INC. Case No. 2OCV373863 Plaintiff, V. VICK J SOM DECLARATION IN SUPPORT 0F JUDGMENT PURSUANT TO C.C.P. § 585(d) Defendant(s). EXHIBITS IN SUPPORT OF JUDGMENT CA_04] lG File No.: 20-214179 p-a 2 I 3 4 S 6 7 STATE OF CALIFORNIA 8 COUNTY OF 9 1 0 Midland Credit Management, Inc., l ll Plamtlfl‘ I 2 -vs- DECLARATION OF JESSICA ARCHER _ IN SUPPORT OF JUDGMENT 13 VICK J SOM, l4 Defendant(s). 15 16 17 56303, certifies and says the following statement in support of Plaintifl‘s Application for Jessica Archer, whose business address is 16 McLeland Road Suite 101, St. Cloud, MN 18 Default Judgment: 19 l. I am an officer for and employed as a Legal Specialist by Midland Credit Management 20 Inc. ("Plaintifi"). I am a competent person over eighteen years of age, and make the statements 21 herein based upon personal knowledge of those account records maint'ained by Plaintifl‘. 22 Plaintiff is the current owner of, and/or successor to, the obligation sued upon, and was assigned all the rights, title and interest to Defendant's CAPITAL ONE, N.A. account XXXXXX5862 (MCM Number 303647360) (hereinafier "the account"). 23 24 25 2. I have access to and have reviewed the electronic records pertainjng to the account 26 maintained by Plaintiff and am authorized to make this affidavit on Plaintiff‘s behalf. The 27 electronic records reviewed consist of data acquired from the seller or assignor when Plaintiff 28 purchased or was assigned the account, together with records generated by Plaintiff in DECLARATION OF JESSICA ARCHER IN SUPPORT OF IUDGMENT - l lllllllllflllllfllflllllllllllll lflflllIflllflllfllfllfllllfllflfllllflllfl lflllfllflllflllfllllflllllllllll - 3036473 AFFRECMED 20-214179 connection with servicing the account since the date Plaintifi‘ purchased or was assigned theg-o abcount. In addition, I reviewed the documents that a‘re attached to this affidavit. 3. I am familiar with and trained on the manner and method by which MCM creates and maintains its business records pertaining to this account, which consist of (i) data and documents acquired from the seller, and (ii) subsequent collection and/or servicing activities by MCM. The records are acquired or created, and are kept in the regular course ofMCM’s business. It was in the regular course ofMCM’s business for a personLWith knowledge of the subsequent collection and/or servicing activities recorded to make the record or data \DWQOMAUJN compilation, or to transmit information thereof to be included in such record, or for such u.-O infomation to be posted in MCM’s records by a computer or similar digital means. In the t_- p... regular course ofMCM’s business, the record or compilation of the subsequent collection ho N activities is made at or near the time of the act or event by MCM as a regular practice. H w 4. On or about 2020-01-21, Midland Credit Management, Inc. became the successor in a-fi interest to this account. Plaintifi' acquired and incorporated the attached account records into n M its permanent business records as a result of Plaintifi‘s purchase or assignment ofthe account. F- 0‘ These records are kept in Plaintifi‘s regular come of business and, along with the electronic H Q records provided at the time ofpurchase or assignment, are Plaintifi‘s primary source of Fa m business records for this account. g-nO 5. The accuraCy of such records is relied upon by Plaintifi' in collecting this account. These 20f records are trustworthy and relied upon because the original creditor wlas requiredito keep 21 careful records of the account at issue in this case as required by law and/or sufl‘er business 22 loss. 23 6. This account was purchased afier 2014-01-01 and, therefore, is subject to California Civil 24 Code Section 1788.60. ' 25 7. In accordance with California Civil Code sections l788.58(a)(3-8), Plaintiff’s records 26 show the following relevant information concerning the account: 27 a. Plaintifi‘ is the sole owner ofthe account. 28 DECLARATION OF JESSICA ARCI-ER IN SUPPORT OF IUDGNENT - 2 lflllllllflflflflfllfllflllllllllllllll IflflflflflllflllfllfilfllllflllfllflWINE lllllllllfllflllflfllfllllfllllll 303647360 AFFRECMEDIA 20-214179 b. The account was opened on 2019-05-14 and charged-offon 2019-12-31 with a balance ofS 16,95 l .64. H c. Plaintifi‘s records show that the balance of $1 6,951 .64 remains due and owing as of2021 -Ol-29. Plaintiff is not seeking to recover any post charge-ofi‘ interest and/or fees that may have been imposed by the charge-ofi‘ creditor or subsequent purchasers ofthe debt and is seeking to recover only that portion of the charge-ofi‘balance that remains due and owing as of 202 1-01-29. I d. The last payment posted to the account on 201 9-05-1 8. ©WNGM§UN c. The charge-ofi‘ creditor name and address at the time of charge-ofi‘: CAPITAL ONE, N.A., 1680 CAPITAL ONE DRIVE , MCLEAN, VA 22101 r-I-o HO f. The chargc-off account number associated with the debt at time of charge-ofi'was XXX}O(X5862.N g. Defendant's name and last known address as it appeared in the charge-ofl’ creditor - fl H A u or debt owner's records prior to the sale to Plaintiff: VICK J SOM, 10289 MURTHA DR , SAN JOSE, CA 951274133 h. The complete chain oftitle including CAPITAL ONE, NA. and all post charge-ofl mHn-I \IQ‘I’ purchasers/assignecs of the debt are as follows: 1. CAPITAL ONE, N.A. 1680 CAPITAL ONE DRIVE,MCLEAN,VA,22101 2. Midland Credit Management, Inc. 350 CAMINO DE LA {IEINASUITE 100,SAN 20I DIEGO,CA,92 108 r b-tu-a \OW 21 8. Plaintifl's records show that Plaintifi or its agents made demand for payment ofthe 22 balance herein priof to making this afiidavit and Defendant(s) failed to make ml] payment of 23 the amount owed on the account. 24 9. Attached hereto as Exhibits A, B, and C are the account records Ireviewed in executing 25 the affidavit that relate to the account and/or payment(s) received. 26 27 28 DECLARAHON 0F JESSICA ARCHER IN SUPPORT 0F JUDGMENT - 3 lllllmflllfllflmlllflmlll lflflflmmfllflllIWIIIIIIIW IWIIIIHHHIIHWWIM" 303647360 AFFRECMEDIA 20-2 14179 l Exhibit A. Chain ofTitle and Seller/Assignor Data Sheet - establishing the facts required under Civil Code sections 1788.58(a)(3), (4), (5), ' (7) and (8) Exhibit B. Monthly Statement Recording a Purchase Trarisaction, Payment, or Balance Transfer - establishing the fact required under Civil Code section l788.58(a)(5) Exhibit C. Final Billing Statement or other Records - cstablishipg the facts required under Civil Code sections 1788.58(a)(4) an'd (6) OwQO‘UIAMN 10. The documents attached hereto are true and correct copies of thé originals, being a 10 reproduction of Plaintifi‘s records, based upon my review, except to the extent that confidential l l and privileged information and/or personal identifying information is "omitted or redacted as 12 required by local rules, and applicable state and federal law. v 13 11.- If called to testify as a witness thereon, I cou[d and would competently testify as to all 14 the facts sfiated herein. 15 l6 l7 1 rss___u___'9 2021 Q“ AWl9 Wm, M 20h JessTcaVrcfier I declare under penalty ofpexjury under the laws of the State ofCalifomia that the foregoing statements are true and correct. m 2] CA137 22 I 23 24 25 26 27 28 DECLARATION OF JESSICA ARCHERTN SUPPORT OF JUDGMENT - 4 lflflflfllllflllfllfllfllflllfllllllfll lflflflflllllIfllflllflllfllllllflMfllflfl lllllllmlflflflllllflfllflllm 303647360 AFFRECMED IA 20-214179 EXHIBIT A Forward Flow Receivable Sale Agreement dated December 3, 2019 BILL 0F SALE Closing Date: January 2 1, 2020 C ital One, National Association (“Seller”), in consideration _of a Purchase Price o'ffl and other valuable consideration, the receipt of which is hereby acknowledged, hereby sells, assigns and transfers all right, title and interest in the Accounts identified in the Sale File entitled “OMEGA.BN0076.SALBS.PROD-BAST.PFRL320200l l4_BN0076__phone.dat.gz OMEGA.BNOO76.SALES.PROD-EAST.PFRLE20200l l4_BN0076_customer.dat.gz OMEGA.BN0076.SALES.PROD-BAST.PFRLE202001 l4_BN0076_main.dat.gz" (which may be in electronic form) to Midland Credit Management, lnc., a Kansas corporation (“Buyer”), without recourse or representation except as expressly provided herein or on the terms, and subject to the conditions, set forth in the Agreement (as defined below). This Bill of Salc is delivcmd purshant to that cenain ForWard Flow Receivable Sale Agreement, dated as of December 3, 2019, by and between Scller and Buyer (the “Agrecment"). All capitalized terms used, but not defined in this Bin of Sale shall have the meanings assigned to such terms in the Agreement. The Sale File Delivery Date for the Sale File was Janua 15, 2020. The aggregate Sale Balance of-the Accounts as ofthc Sale File Delivery Datewash CAPITAL ONE, NATIONAL MIDLAND DIT MANAGEMENT. INC. BL: 6a....- Name: gwmtp Cu:Swap __ F Title: MUP, Burws‘c MV" Forward Flow Receivable Sale Agreement dated Decegber 3, 2019 AFFIDAVIT 0F SALE OF ACCOUNT BY CREDITOR State ofVirginia, Comty of Goochland. . James R. Lane being dlily sworn, deposes and says: I am over 18 and not a pa'rty to this action. 1am a Vice President of Capital One, National Association. In that position l am aware ofthe process of the sale and assignment of elecuonically stored business records. I 0n or about January 15, 2020, Capital One, National Association sold a pool of charged-ofl‘ accounts (the Accounts) by a Forward Flow Receivable Sale Ageement and a Bill of Sale to Midland Credit Management, Inc., a Kansas corporation. As part ofthe sale ofthe Accounts, electronic records and other records were transferred on individual Accdunts to the debt buyer. These records were kept in the ordinary course ofbusiness of Capital Oqe, National Association. ~ I am riot aware ofany errors in these accounts. The above statements are true to the best ofmy knowledge. I SUBSCRIBED and sworn to before me, the undersigned Notary Public in the jurisdiction aforesaid, byW, who is personally known to me and who acknowledged before me his signature to the foregoing Affidavit. GIVEN under my hand and seal this 9 day of Feb/Ua , 2020.‘ WILLIAM WESTON PAIGE ' William Weston aige I 10521253699”; Notary Public commouwmm 0F VIRGINIA MY COMMISSION EXPIRES 061. 31 . 2022 Capital One ConfidentialCapital One Confidential n goo...” go”...- -.-.--------a--o~ -_--- - noun "*0. .- --- --.-----~.----m-- ._‘..- ~u .. Forward Flow Receivable Sale Agreement dated December 3, 2019 CERTIFICATE OF CONFORMITY CERTIFICATE 0F CONFORMITY MADE PURSUANT T0 CPLR 2309(c) and RPL 299-a I, an attomey-at-law admitted to practice in the Commonwealth of Virgi'nia, do hereby certify that_W_illiam Weston Paige, is a notary public in and for the Commonweglth of Virginia, in the jurisdiction aforementioned and the acknowledgment upon affidavits for Capital One, National Association are taken in the manner prescribed by the laws of the Commonwealth ofVirginia and conforms to the laws thereof in all respects. IN WITNESS WHEREOF, I have hereunto set my signature, this Ll day of Fchtwsra 2020, Adm Thom! \ LMW Printed Name Signed Name Anomey at Law, Commonwealth ofVirginia Capital One ConfidentialCapital One Confidential Field Account Number Seller Account ID First Name Middle Name Last Name SSN Date of Birth Address 1 City State Zip Home Phone Open Date Last Purchase Date Last Purchase Amount Last Payment Date Last Payment Amount Sale Amount Charge Off Date Charge off Balance Post Charge Off Interest Post Charge off Fee Post Charge off Payments Post Charge off Payments and Credits Post Charge off Credits Affinity Field Data -5862 -5268 WCK J $0M xxx-xx-2369 10289 MURTHA DR . SAN JOSE . CA 951274133 2094873796 ' 05/14/2019 05/14/2019 - $16,260.75 05/1 8/2019 $16,000.00 $16,951 .64 12/31/2019 $16,951.64 $0.00 $0.00 $0.00 $0.00 $0.00 SAKS FIFTH AVENUE CARD Account information provided by Capital One. National Association pursuant to the Bill of Sale/Assignment of Accounts transferred on or about 01/21/2020 in connection with the sale of accounts from Capital One. National Association to Midland Credit Management, Inc. OMEGA.BN0076.SALES.PROD-EAST.PFRLE202001 14_BN0076_phone.dat.gz OMEGA.BN0076.SALES.PROD-EAST.PFRLE202001 14_BN0076_customer.dat.gz OMEGA.BN0076.SALES.PROD-EAST.PFRLE202001 14_BN0076_main.dat.gz EXHIBIT B 77777 "‘ / u‘v ”1:1 /»fl//, ;%Ufll€ Saks Flfth Avenue Account Statement Account Number XXXX-XXXX-XXXX-5862Page1o!2 From to Mayao. 2019 oyany-Rewatds ‘ Sumary_of Account Activity Payment Infotmaflon 3 . Previous Balance $0.00 m Balanpce D $3.33- in mum ent ue . Get It right every time. Treat someone special to a Payments ' 515-°°°'°° paw 03:33“ June 24‘ 2019 Saks Gm Card. Vrsit any Sam or OFF 5th store, or Other Credits - $0.00 visit us onfine at salacom ot saksOFFSthsorn for p mmwoebfls . 516260.75 detafls. Pu t D A t so 00 Late Payment Warning: Hm do not receive youras ”° mu" ' minimum payment by the date listed above. you may Fees Charged 9 80.00 have to pay a late fee o! up to $38.00 and your APR: were“ Charged + moo may be Increased to the Penany APR o! 29.24%. New Balance $260.75 Minimum Payment Warning: If you make only the minimum payment each period. you will pay more in Ctedit Limit $1 5,000.00 interest and it win take you longer lo pay off your Credit Availaue 514,739.25 ”3'3"“ F" “amp“: t Ma 30. 19smemcmngom Y 2°17 nyoumakeno Youwmpayoa Andyouwm Day‘ m 3"""9 CYC" additional the balance end up paying charges using shown on this an estimated this card and statement In total of... each month you about... Only the 6 Months $261 minimum Payment If you would like inlormation about credii oounsefing servm ml! In 1-866-569-2227. Questions? Payment Address: Saks Fifth Avenue. P0 Box 60504. City 01 Industry, CA Cmtomer Service 1-800-221 £340 91716-0504 Billing Inquiries: Saks th Avenue, Afln: Customer Care, 3455 Hwy 80 West. Jackson, MS 392m Manage Your account online at www.saksflrst.com Wham lnfonnauon ' As a reminder. SaksFirst gm cards are Issued In Increments of $26. In addition. In ocder to receive a SaksFirst gm card. you must have a point balance of 2.500 points or more. For lull terms and conditions. visit saksfirstcom. You can pay your blll online ot over the phone. It's free! Wammmmmmumm mw15 29 STMTAC DWWW 11454 I Sn nwru m: for lmpomm Informuon I‘C x {11:1 , ~. *fl/z( . ’f’flc'lmc Account Number: XXXX-XXXX-XXXX-5862 New Balance $260.75 Minimum Payment Due $44.00 Payment Due Date 06/24/2019 Include account number on check to Saks th Avenue. Do rm send cash. Please send your payment 7 to 1o days prior to the payment due daQe lo ensure iimely delivery. 1 2mm sCDCDDDDllll-Illl'l'"'lIHII'Il|I'u|"”|'n'l""'l'lllll'||"IIIII" - VICKJSOM 10289 MURTHA DH SAKS FIFTH AVENUE SAN JOSE CA 951274133 PO BOX 80504 ' CITY OF INDUSTRY CA 91716-0504 "I":"I'|||-I"llll'llllI'lIII'I'Il'II":IIIII'II'MI'I'H'II' onuasmsnunuuunannnuonunn-saaanome WMH’oDoHYouThlnkVothdamsMuaonYomsuth:Hmmmkmewmm AboutYourMmmmebmnmmummhMDuumdbmum,mbmmum'maummmmwmmtuwmmmm. hmucewhwhm‘gmmsmzWW-Ywmmcdmmwm. - mmmmmdmmfim. t delmeBmmmwflmwmhmhm“meiiam‘m.YwmwfidmflhfimflhmmfimwmhvmmmdwMMMmedmamfiqu.Mimmnnmmb c WndeQanYwmmmmmmMWMJfimmmummmnwfimfiwudwbamfidmommbhwMMMthEMWWMMMWIMMauu-q adupquhu.s.misuaummau.s‘mmwmymummmWWWMamhmufiqNMMms¢waaMuszmmumumnmun.Wmedqammmmduanmmwmpmhmmmdwwmmumbmmudmmdw.WWWWUMWMpmmTMmmemmudhde.flwwm5mpm,dmn'mqu‘lbamuhmWWMMNWMMbWWMhW‘W'flWWM dq,0ed&gmmbmmnmqudcqedwbhdmihwmisnamodoum‘m‘nwdqsdwmdwun.mfiuWMaMMMMmm,“M-eimz ° WemrybcohdhmflhMorwymadefiummmm - mmhmmmmmmwmmymuMpmwmMmMiwdemmARMaMJNflMhubmmmnhqmamMaWMWmefl. - Whmmmmmwhmfihmmfummamwmmdwww.mnmthumdwm. - WomwpflmyuwflquflmawimWNWdquwW.mfilmmammwmmMmMhmmeme)ammmhmmfibW. 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See the front of this statement tor our website and phone number. , Sales Finn Avenue Account Statement Page 2 of 2 Account NumbefXXXX-WXXXXW From to May 30, 2019 T Ii .0 o payments/Retoms/cndns ' " Trans Date Post Date Description ol Transaction or Credit Reference Number Amount 0818/1 9 0818/19 lN-STORE CHECK PAYMENT - THANKYOU T191 380306000460000006 416,000.00 Total PaymentisetumsICredits For This Period .516.000.m ’ ' Purchasesloebii‘s ° Ttans Date Post Date Description o! Transaction or Credit Purchase Type Refetence Number Annual 05/1 4/19 _ 05115119 BEVERLY HILLS CA Waived Fin Chg T191W BRACELETS Waived Fin Chg $2370.00 HEARTS ON FIRE (JEWELRY) C Waived Fin Chg $5,990.00 HEARTS ON FIRE (JEWELRY) C Waived Fin Chg $5,990.00 SALES TAX Waived Fin Chg 31.410.75 Transaction Total $1 6.26075 Total Putchases For Yhis Period $1 6.2%.75 . . Fees ' i Trans Date Post Date Description of Fees Refetence Number Amount ‘I’otal Fees Fot This Pedod $0.00 ‘ Intenst Charged . .0 Descflplion o! lntemst Charge Amount INTEREST CHARGE ON PURCHASES $0.00 Total Intetest Fat This Pedod $0.00 ?ctaI-s 'Year t6 Date Total fees charged $0.00 Tout interest charged $0.00 lntetest Charge Calculation Your Annual Pementage Rate (APR) is the annual lamest rate on you: account. Type of Balance Ammo! Petcenugo Rate (APR) Balance Subject to Interest Rate totem Chotgc Basic 15106 - 01 26.24% (v) SO‘OO $0.00 REGULAR PURCHASE 00005 28.24% (v) $0.00 $0.00 wVafiam Rate ‘ Credit Plan Intonation ° Credit PhnMomoflon 'l'ype Purchase Ptomoflonal Previous New Minimum Deferred Ptomolional Payofl Date Expiration Date 33!:an Balance Payment Interest Amount Basic 15106 - 01 0511412019 111241201 9 $0.00 $260.75 $44.00 $0.00 $260.75 REGULAR PURCHASE 00005 NIA MIA $0.00 $0.00 NIA $0.00 $0.00 Customer News Wemnttogettoknmyoubeflefl Bmwrfanonhcebookorfcflowuson‘l’mter for behindthe scenes videos. styietips. the hottesttrendsand mom. www.taeebook.comlsaks www.memomlsaks Capital One NA. has no control over these web sites and Is not liable for your use of them. 1 EXHIBIT C Saks Fifth Avenue Account Statement Page 1 of 2 Account Number XXXX-WXXXXXSBB? From November 30. 2019 to December 30. 2019 ~5mry otAocou'm Activity - . Piyment Intonation - ‘- Previoua aaaance 316547.35 New Baianoe 5:63:13; ' Minimum Payment Due ‘ 1. 1. Payments - $0.00 Pa m Duo Date Jan 24, 2020 Other Credits - $0.00 m "a" P rchaseleebRs + $0.00 Pu ORA I “08400 LatePaymntWaming:lfwadonotreoelveyour ”t ' ' minimum payment by the date listed above, you may Fees Chmged * $38.00 have to pay a iato lee o! up to $38.00 and your APR: 1mm“ emu“ + 3355,79 may be Increased lo the Penalty APR o! 28.49%. New Balance $1 6.961 .64 Minimum Payment Warning: If you make only the minimum payment each period. you win pay more in Credit Limit $1 5,000.00 inierest and it win take you longer to pay ofl your Credit Avanaue $0.00 ”3'3“” F“WP”: 1 ?wngmgg Date December 30' 203? If you make no You will pay off And you will 3V5 “ ' "‘9 W'e additional the balance end up paying charges using shown on this an estimated this ward and statement in total of... each month you about... PBY-u Onfy the 14 Years $34,702 minimumWm I! you wouid lice infomafion about cred‘n counsermg services, call 1-866-569-227. Payment Address: Saks Fifth Avenue. PO Box 60504. City Of Industty. CAQuestions? Custom Setvlce 1-800-221 8344 91 7160504 Billing Inquiries: Saks Flflh Avenue. Afln: Customer Care, 3455 Hwy 80 West, Jackson. MS 39209 Manage You! account online at www.saksflrstcom Important Infomation . You can pay your hill onllne or over the phone. It's tree! Per the terms of your account. your account ls eligible lo be charged ofl prim to the due date listed. YOU CAN TAKE ADVANTAGE OF OUR PAY BY PHONE PROGRAM. AVOID FURTHER COLLECTION ACTIVITY. CALL 1-800-221-8344 mmmmmw'fllmmm ”1501568 STMTAC DWWW Seememswcminmmlmm Account Number: XXXX-XXXX-XXXX-5862 New Balance $18,951.64 Minimum Payment Due $1,731.00 Payment Due Date 01/240020 Include amount number on check to Sale Fifth Avenue. Dondsendcash. Pleasuendyourpaymemno10mm lo lhe payment due date to ensure timely detivery. AMOUNT 801 Imulll.”Ila...“.umam.Ihlwulum.”hmunlw ENCL°SE° 5| I Tl I H I I VICKJSOM 10289 MUHTHA DR SAKS FlFTH AVENUE SAN JOSE CA 951 27-4133 PO BOX 60504 C'TY 0F INDUSTRY CA 91713-0504 ""Il'llllml"ll"Ilul|llllluuallllll|lnll'u'I'I'mIIIh" ummsxsunn1.7amannnonuuun-sabeuuwlu WToooifloumlnkVouFindaWmetsmmntImmmkmmmmmnmbmmamdwdmfiwmmmmhfimdfismmm.hwmgfwmmmm; - WWYwmmmflm. o mmmmmdhmm. ° Wdfiown'flwmmtnmmmfilmmmmism ummhehwk'sam.YwmmwflhflflwflhmmflwmememflymdwmfidmiflYwmwmammem.mflpummnmmwn I MYourPlymcm:quubmdflhfiimfiwmfifinhhhbafldbmmaduwmgMYwmmmmnWmmwow.mdwwmummmamm.mmmabmufimammhmw mammduIMdI-‘sfihgmm.mumuMWaWMOrmyWWhU.S.MMMmaUS.W.WmmmmmuMmmwyplmormhmmmmmmuamuMIMmflnmuNmmWWmmmthWMMNMWSNpm.hMfimmdetmflumbWWsdmmdw.mummmqrmwsmpm. 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BannaSuhkdIo lumen Ru: (QMOugescec-muedmmhmmmfimdomwmdwwm: Pruemhn'owl Ph‘)mmmmmmumamnWamownl’mufiswm Thomsq‘actbhuutmbmuomm ismmragaoa'yaam.mmmym'aoowpmsambyManMMMMMMh madmmdm‘g”mmmmmmeMPthaymumsdwsmw.mwmm,mmmm.mmleum«mddqmWmWQMWbMMMMdflme’aWDommmmummn.mmmmmmmmmuoc‘yWhammbjambomwuammhwlwmmmmumummtmmmuymmmmnmhmmWflmmmuhmmmmadDEMdmmm(QMAwouyaomaWu/mnmymuammwmm umwddmhmempmu‘homhh'nammbuowMMymWWWhMVWMbmmmbhAwMD/Mdhmmmumddmhhb’hgmblwmemywmwmmmwxfl Annualeem-ga m:flwmhouwiabhm.mmwmmmflanmwy. SMWWIM Changing your mailing address? wm,a.'smm¥_bmdwumd¢mpu&dbmjsm deyflnpqnulmfismubbdfimdmedmmmbbmmwww.mhMWMMHmebNMWMm “Mdmfllnguml. WundlngmaMWmeurMcoummmmmtoMamtm cmnicfundstmmfermMmrwkmmotmmuummmuamwww.mumWMmmmeET,mmmwfl-mmWWmmmumdqnmeMWWmdwflmtmmmw mmrmnunsumm. I qunlbme:annpnmmWWby¢unambe,wafluinusbiifiabmWWWWWWMWabthcoMWYmmmummmumammMmdnfiamhWm. mmmmwubvaummmwymmdmmmbnMmqumDudwdmfimrdethquDmem aedstphtWerymyWhfldmmiquMOmmmemmwmwmm. chlnglmpdmuwnhwmlm.wfemmmbmowm mmmmmmhekmdflisumw. mamwnaumuWhyflomqtepoflinbmflbnwmmmbaww LnW3_mm.amafmkmmmmmbemhwmm.lmywrchmwwumm.mammmmbm.mm mayusmqumdusbmmhmmmamfimMuWUMebgedm)Wbmmmwwmbwamummmlmdmhmm mishith. chlCoClodlon:chmmwu,iwbmnfymflmmnmfi~godeu.mmymmmmmmumm. OZOISMIW.mannamwgiamumm. swumma) You can change your address by signing into your account online or by calling Customer Service. See the front of this statement for our website and phone number. Saks Finn Avenue Account Statement Page 2 o! 2 Account Number xxxxxxxx-xxxxsasz From November 30, 2019 to December 30. 2019g: fuc Transactions . ' ~ Fees Ttans Dale Post Date Descdptlon of Foes Reference Number Amount 12124119 12/24/19 LATE CHARGE ASSESSMENT Reg - Purch 1W11224998255800 $38.m Total Fees tot This Pedod I I $38.00 j .u ' " interest Chatged fi nescupuon or lamest Charge ' Amount INTEREST CHARGE ON PURCHASES $365.79 Tota! lnterefl Fot This Period $365.79 . Totals Year to Due . Total fees charged $255.00 - Total interest charged $435.89 Imam: Charge eaIcuIauon - Your Annual Percentage Rate (APR) is tho annual interea rite on your account. Type o! Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Intetest Charge Basic 01 106 - 01 25.74% (v) $1 6.491 .95 $360.53 Basic 00088 - 02 25.74% (v) $240.71 $5.26 REGULAR PURCHASE 000$ 25.74% (v) $0.00 $0.00 v=Van'abIe Rate étedfl Plan Intonation U ' _ Credit PlanIPromotion Type Purchase Ptomotlonal Previous New Minimum Detemd Promotions! Payofl Date Expiration Date Balance Balance Payment Interest Amount Basic 01 $06 - 01 05/1 40019 NIA $1 6.31 8.1 7 S1 6,678.70 $1 3:58.08 $0.00 $1 6,678.70 Basic 00088 - 02 NIA NIA $229.68 $272.94 $272.94 $0.00 $272.94 REGULAR PURCHASE 00005 ' NIA NIA $0.00 $0.00 NIA $0.00 $0.00
