Exhibit List PartyCal. Super. - 6th Dist.November 23, 202010 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 200V373897 Santa Clara - Civil R. NgL Electronically Filed William J. Campbell, Esq.; SBN 248729 - Noha Gabra, Esq.; SBN 265586 3y sutperrg CiuréIOf CA’ FITZGERALD & CAMPBELL, APLC 0"" Y ° a" a a’as 400 N. Tustin Avenue, Suite 401 0n 9/20/2021 1=24 PM Santa Ana, Ca. 92705 ReVIewed By: R. Nguyen Telephone: (855) 709-5788 Fax: (855) 672-5058 Case #20CV373897 wcampbell@fclawoffice.com Enve|ope; 729391 3 ngabra@fclawoffice.com AttorneV for Defendant. SHEILA J PATTERSON SUPERIOR COURT OF THE STATE OF CALIFORNIA COUNTY OF SANTA CLARA LVNV FUNDING LLC, Case No. 20CV373897 Plaintiff, V. DEFENDANT SHEILA J. PATTERSON’S EXHIBIT LIST SHEILA J PATTERSON, an individual; TRIAL DATE: October 4th, 2021 and DOES 1 through 10 inclusive. TIME: 8:46 a.m. Defendant. DEPT.: 22 TO ALL PARTIES AND THEIR ATTORNEYS OF RECORD HEREIN: Defendant, SHEILA J PATTERSON submits the following list 0f proposed exhibits, and reserves the right to supplement and amend the list of exhibits at 0r before trial: LOC ID ## EX Description 1 Alleged Credit Card Agreement 2 Various Credit Card Statements DEFENDANT’S EXHIBIT LIST yen 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 This is not a stipulation to use any of the above exhibits. A11 objections are reserved. Defendant reserves the right to introduce additional exhibits as may be appropriate for impeachment or as the Court may otherwise allow. Dated: September 20, 2021 FITZGERALD & CAMPBELL, APLC MW NOHJAKGABRA Attorneys for Defendant DEFENDANT’S EXHIBIT LIST EXHIBIT 1 SHEILA J PATTERSON Account ending 5277 Page 2 ol2 Fact Sheet Pricing lnformation Table LN ru -J -! E ru lnterest Rates and lnterest Charges Annual Percentage Rate (APR) for Purchases This APR will vary with the market based on the Prime Rate APR for Cash Advances 26.74% This APR will vary with the market based on the Prime Rate Up to 29.99%, based on your creditworthiness. ThisAPRwill vary with the market based on the Prime Rate. This APR may be applied to your account if you: (1) Make a late payment or (2) Make a payment that is returned. How Long Wlll the Penalty APR Apply? lf your APRs are increased for either of these reasons, lhe Penalty APR may apply indefinitely. Penalty APR and When it Applies Yourduedate isat least 23 days after the close ofeach billing cycle. Wewill not charge you anterest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaclion date. Paying lnterest lf you are charged interest, the charge will be no less than 50 centsMinimum lnterest Charge Daily Balance (including current transactions)How We Calculate Your Balance Fees Annual Fee $95 every 12 month(s) Transaction Fees . Balance Transfer ' Cash Advance . Foreign Purchase Transaclion Either $5 or 3% of the amount of each transfer, whichever is greater. Either $10 or 5% of the amount of each cash advance, whichever is greater None Penalty Fees . Late Payment . Returnad Payment Up to $35 Up to $35 Details About Your lnterest Rates and lnterest Calculations Periodic Rate as of 05/10i 2018 For variable rates: U.S. Prime Rale Plus Purchases 0.05340% (D) 14.74% Cash Advances 0.07326% (D) 21 .99% Penalty APR 0 08216% (D) Up to 26.7 4oh (D) = Daily periodic rate. A daily periodic rate is the APR divided by 365 Vanable APRs will not exceed 29.99%. E:J'; Hffi 8ate000002 19.49% This cuide will help you easily identity sections of the Card Agreement and give you a brisf overview ofthe contents of each sectlon. Thls ls not lnt onded lo be a complete summary ol the Card Agroement's contents, and we encgurage you to read your entire Card Agreemenl including tho arbitntlon provision, before ygu use yourAccount. ru{{ E LrJ 0EFtNtTt0tls Lists the meanings ol padrcular phrases and terms used in the Cad Agreement. YOUR ACCOUNT Descnbes some ol your responsibilities for using yourAccount. FEES & FOREIGN CURRENCY CONVERSION Descnbes the fees that can be app ied to your Account, ncluding annual membershrp fees, late lees, as we I as fore gn transaction fees for Purchases nol n U S. dollars. PAYMETITS Shows ho,r your month y Minimum Payment Due is calculated, tells you how we apply your payments to balances, and gives you certain instructions lor mak ng payments (and tells you the poss ble consequences of not following those instructions) AUTHORIZED USERS Describes an Authorzed Users rghts and your responslb lty for that user. Also describes whal nformation we can share aboul you and yourAuthonzed User. OEFAULT, CLOSING OR SUSPETIDING YOUR ACCOUNT Tells you rryhen we may requirc mmediate payment of your tolal Account balance, and expla ns when we may close or suspend your Accounl, and ',!hen you may close your Account. CREDIT REPORTING Descnbes what infomation we provide about you to credit repodlng agencies, and how to dispute items on your report. This section also explains how we use inlormation we gel aboul you from those agencies. ACCOUNI INFORMATION, INFORMATIOT{ SHARING AND COMMUNICATIONS Exp ains that your pelsonalrnlormaton we use to manage your Account should always be up to date. Also notes that we share inlormation aboutyou and yourAc{ount ln addition thssecton descnbes how we may contact you. TRANSACTIONS Provides imporlant rnlormatron about merchant cred ts, recuning Transactions and card refusals ARBITRATION Explains that you cannot go lo court, have ajury trialor initiate or partclpate in a class action it you have a dispute with us. lnslead, this provision tells you that lhe dispute must be rcsolved by a professional arbitrator, not a judge orjury. This secUon also expla ns how arbitration wo s and some of the dlfierences between resolving a dispute in arbitration and resolving one in court. AGREEMENT & EENEFIT CHANGES Explains that we can make changes to the Card Agreement and your card benefits and leatures. YOUR EILLING RIGHTS Explains your bilLing ights, wh ch include how lo address poss ble stalement mistakes and your nghts il youle not saUsfied with a Purchase 8a1e000003 !::It;ffi Card Agreement Guide ANNUAL PERCENTAGE RATES & IttTEREST CHARGES Shows how we calculale lnlerest rates and how thal affects your Account balance. MISCELLANEOUS Explains subiects that aren't included in previous sections. This Card Agrcement (Agreement) is your contractwith us. The Facts aboul rntergsl ard Fees document (Facf Stloe4 ls part of this Agreement. The Facl Sheet shows important information aboul your Account, such as your annual perc€ntage rales and certa n fees. Any amendments to this Agreement also are parl ofthis Agreement. Please read all parts of this Agreement, including the arbitration provision, and kosp it lor your rscords. Note: Thtoughout the Agreenenl arc exanples, helpful lips, and addilional explanations lhat will make lhe Agreenenl easier to undersland. DEFINITIONS belting transactons Consumer Reporting Agsncy - An organization, such as Experian, Equifax and TransUnion, thal compiles credil information for the purpose of generaling consumer credit reports. lt's also known as a 'credit bureau' and a 'credit reporting agency.' lnclude and including - These terms mean 'inc ude lor rncluding] without limitaton' Billing Period - The period ol lime between each date when we create a stalement for your Account A Billing Perlod is usually 28-33 days. For each Bi ing Pedod, your statement will show any Transactons, other charges, payments and olher credils posled during that Blling Period Business Day - l\,londay thro!9h Friday, excluding federal holdays Cash Advancs - Use ofyour Card to get cash, including foreign cunencl, or for what we consider a cash-like transacuon. Examples include using your Card lorl ATM and teller wllhdrawals, wire kanslers, money orders, travele/s checks, loltery tickets, gam ng chips and other methods used tor gambling, wagers and olher Late Payment - A payment is late if you don'l pay at least an amounl equal to lhe M nimum Paymenl Due m nus aoy Oved m t Amount by the paymenl due date. New Balance - The total amount you owe us at lhe end of each B ll ng Pe od. This amount is shown on each slatement under the headlng 'New Balance'. We explain how we ca culate the New Balance belovJ. Overlimll Amount - The amount by which yourAccount balance exceeds your credit limit in any B lling Penod. Card-One or more cards or otherdevices (including an account number) used to purchaso - Use ol your Ca.d to buy goods and services. Balance Transfers and access your Account to obtain cred t. Cash Advances are not purchases Card Ngtworh - Organ zalions, such as Mastercard, Vsa and American Expr€ss, R6turnsd Paymont - A payment that isn't honored by your financial institulion thal facilitale Ihe payment process between a cardmember, merchants and a card issuer. Transactlon - A Balance Transfer, Cash Advance or Purchase, as applicable ws, u5, and our - Citibank, N.A. you and your - The cardmemberwho opened the Account. You'll find definilions oI olhet terns within lhis Agrcenent. 2 8ate000004 Card Agreement Account - Your Citi@ / AAdvantageo Platinum Select@ World Eliten Mastercard@ Account Annual Perconlage Rate (APR) - A Ele, shown as a percentage, used to calculate interest on the balanc€ on your Ac€ount. lrr rua Authorlzed Ussr . Any person yoJ a lolv to use your Acco,rlt w[h a Cad we ;l provided with that person's name. E Balanc6 Transter - Use ola Ealanc€ Transfer offer, including use of a check lhat accesses your Accounl lor any kansaction, or lhe tlansler of a balance from another credit account to yourAccount. ffiAJI:tT YOUR ACCOUNT L,l ru -!{ E L,l Your Account use is subjecl to this Agreement. You must pay us lor a I amounts duo on your Account, indudingi 1. Trdnsactrons you make, even if you didn't present your Card or sign for the Transaciioni 2 Transactions an Authonzed User makes: 3. TEnsactions that other people make if you or an Authorized User let them use your Account; and 4. Any fees and interest charges on the Account. Blnding Agrcement. This Agcement takes effecl once you use your Card. Even if you don't use your Card, this Agreement will take eflect unless you contact us to cancel your Accou nt within 30 days afrer we sent you this Agreement. Cradit Limll We assign a credit limit to your Account. Pan ofthis credit limit may be available for Cash Advances, and lhere may be a limit on the amount of Cash Advances you can take in a given period. We may authonze Transactions that cause your balance to exc€ed your cred.t hmrt. How i6 a variable APR calculatod? lfthe U.S. Pdme Rate published in the WSJ Mo Business Days belore the end ol a Billing Period is 5%; and lf the Margin is'13.99%; then Add the two togetherto calculate a variable APR: Your variable APRS wil increase if lhe U.S Prime Rate ncreases and declease if theU.S Prime Rate decreases. llavariableAPR increases, then your interest charges and Minimum Payment Due may increase. ACCOUNT USE Consum8r Purposes. You aren'l permitted to us€ yourAc@unt for business purposes. ll you do use yourAccount for business purposes, this Agreement still app ies, and you musl pay us for those Transactions. You may also have Io pay us for any damages and/or erpenses resulUng from that use. ln additlon, we may close your Account. Unlawful Transactions. You aren't permilted to use your Accounl for unlawful Transadions lfyou do use your Actlunt lor unlawlulTransaclions,lhis Agreement st ll applies and you must pay us for those Tlansactions. You also may have lo pay the Card Network and/or us for any damages and expenses resulting from thal use. ln addition, we may close your Account. Mobile Phones or other Dovices. Smart phones, tablets and other electron c devces can store your Card (such as through a mobile wallet). This means they can be used to make Purchases or other Transactions. Any such Transactions are covered by lhis Agreement. Apps that use your Card to make Transaclions may have separate terms of use. We're not responsible if you violate those terms, or for any clnsequenc€s resulung from any violalion Note: ll's inpotlant lo protect your devices lhe sane way you protect your Cad. Anyone who can accoss yov Cad using Wur device also can nake charges lo yout Actounl usng thal device. ANNUAL PERCENTAGE RATES & INTEREST CHARGES The followlng sections explain howwe calculate the interestyau owe each If theU.S Prime Rate changes, we'llapply the newvariabeAPR starting from the Eilllng Period. first day olthe B lhng Period when we take the U S. Prime Rate from the WSJ. The ApRs. we use ApRs to calcutare interest charges on your Acc^ounr. Drtferenr ^t*, fiijilil]?,iJffitt'nn ot tnt"t' ts 'aiell as balances added to vour may apply to d flerent Transactrons See tre hsting ol your APRS on lhe Facl Shsel. Penal9 APR. f you have a Late or Relurned Payment, we may apply a pena ty vadabte ApRs. A varabte ApR is an ApR that can change each I In9 pe-o wr ][[fi;;ri;i;;oJll we dete'm'ne vour pena tv APR based 01 voul calcu ate each vaiable APR trrst by lakrng lhe LJ.S. Pnme Rate kom Ihe lyall Slreel Joumal (WS,t) tflo Business Days beforc the last day ofeach Billing Perlod. . PenaltyAPRfor n6wTransactions {less than 60 days lats}.lfyou make a (lf the WSJ doesn't pub ish the U.S. Prime Rate that day, then we'll use another Late Payment and it's less than 60 days late or you have a Relurned Payment, publication.) Then we add to the U.S. Prime Rate a cedain percentage amount, the penalty APR only will apply to new Transactions. We'll review your Ac{ount which we call the f,rarylr. You can lind the Margin we use for your Account in the lrom time to time to determine il a penalty APR should be reduced. Details About Your lnterest Rate section ofthe Fact Sheel. . psnalty ApR for exls ng balancos and noyr Transac ons (60 or mors days lats). lf w€ haven't rcc€ived your Minimum Payment oue within 60 days afler its due dale, we may apply the penalty APR to both the existing balances and new Transactrons. lfyou make your nexl six consecutive Minimum Payments Due on ume, we'll slop applying the penalty APR lo exis[ng balances and new Transaclions. ll you don't make your next six consecutive Minimum Payments 0ue on time, the penalty APR may continue to apply inde,lnitely to existing balances and new Transaclions. Daily Ealancr We calculate interest on yourAccount each Eilling Period filst by calculating your daily balanc€s. Ihe following explains how ne do that. Here's how and whsn Tr.nlactionS, fees and crodlts ara appll6d to the balanc!s on your Account: . We add the amount ola Purchase or Ealance Transfer to the Purchase balance as of the post date on your slatem€nt. . We add the amounl o[ a Cash Advance to the Cash Advance balance as ol the post dale on your slatement. ffi Ba1e000005 5%+13.99%=18.S9% 3 ru{ -J Etr We add a Balance Transfer lee to the Purchase balance as of the posl date on your statement. We add a Cash fuvance fee to the Cash Advance balance as of the posl date on your slatement. We'lladd any other fees to the balance ofour choice. lf you'rc charged intercst in a Billing Period, but lhe amount calcuiated is less than $0.50, we'll add additional interest lo the balance(s) of our choice so that you'll be chaeed $0.50 in nterest for that Eilling Period. We subtract credils and payments as of the post date shown on your statement Each balanc€ may have a differentAPR. Certain categories of Transactions ln a balance may have mulliple APRs. For example, you may make a Purchase or Balance Trdnsfer lhat's subject to a prcmotional APR Your balanc€s, and their corresponding APRS, are shown on your statement. Note; The post date shown on your statement will usually be the date of the Transaction, but it may be later. Hers's how we calculato each ofths daily Purchase and Cash Advance balances on your Account: . We start with lhe daily balanc€ from the end of the prevrous day. . We add any new Transactions lees and other charges, includ ng interest accrued on the prcvious day's balance. This means that interest is compounded daily. . We subtract any credils or payments credited as of that day. . We make add tional adjustments as appropriate, subject to applcab e law (as an example lor a disputed charge) This gives us the daily balance for that day. Daily balance for purchases from the previous day + New purchases + Fees and interest accrued on the prevlous day's Purchase balance r Paymenls- credits and adjustments posled that day = l.lsw daily balancs for Purchases lnterest Calculatlon. Each daily ba ance may have a difierent APR. Cedain categories ofTransaclions n a daily balance may have multiple APRs. For example, you may make a Purchase or Balance Transfer thal's subject to a promotonalAPR. il a daily balance on your Account is subiect to an APR, we'll charge inlerest on that daily balance. We use the daily balance method (which includes new Transactions). lf interest applies to a balance, it will start applying on the day a chaEe ls added to that balanc€ and continue untilthat balanc€ is paid in full. We consider a credit balance as a balance of zero when calculaUng interest on thal balance. We mulUply each daily balance by ils applicable daily periodic rates (each applicable APR divided by 365). We do this lor each day in the Billing Period. This gives us lhe daily interesl amounts. Theo we total all the daily interest amounts lor all the daily balances. This gives us the total interest for the Billing Period. Note: Your balances, and their conesponding APRS, are shown on your slatemenl. Calculating the Nerv Balancs. Fo calculate the New Balance at the end of each Biling Period, we begin wilh the totalAccount balance atthe start ofthat Billiog Perod Then we add any Transactrons that are new to the Acclunl during thal Bi ling Period. Then we subtract any cred ts app ied or payments made during that Bi ling Period. Then we add any interest charges or lees incuned during that Billing Perlod and make any other adjustmenls, as applicable (lor example, ifyou have disputed a charge). Graca Poriod on Purchases. You won't pay any interest on Purchases ifyou pay the New Balance, including any Balance Transfers, in lull by the payment due dale shown on your slatement each Bllling Period. We .,ll his a grace pedod on pu.chases. ll you don't pay your New Balanc€, including any Balance Trdnslers, in full by the payment due date in a B lling Peiod, you'll pay interesl on your Purchases from the date they're posted to your Account. You also won't have a gmce period on Purchases again until you pay the New Balance in lull by the payment due date 2 Billing Periods in a row There's no glace period on Balance Translers and Cash Advanc€s. This means you' I pay interest on Ba ance Transle6 and Cash Advances lrom the dale these Transactons post to yourAccounl. 4Effi 8ate000006 FEES & FOREIGN CURRENCY CONVERSION Feos Annual Membership Fee Late Fee Returned Payment Fee Amounl $95 every 12 month(s) Up to $35 Up to $35 Eilher $5 or 3% ofthe amount of each transter, whichever is greater. Either $10 or 5"/o ot the amounl ol each cash advance, whichever is greater. FOREIGN CURRENCY CONVERSION Forelgn Currency Conversion - Purchases. A Card Network clnveds lhe amount of a Purchase n a fore gn cunency inlo U.S. dollars. Each Card Netwott follows its own proced!res lor convers on. These proc€dures inc ude how the Card Network chooses an exchange rate and when lo do the convers on. For example, Vsa chooses eilher a governmenlmandated exchange rate or chooses from a range of rates ava lable on wholesale currency markets (and, n e ther case, the exchange rate that il chooses may be ess favora ble tha n the rate that Visa itself rece ves when it makes forelgn currency tlansactions) oepend ng on the pol c es ol each Card Network, the exchange rate chosen may be the one in elfect on the day the Card Network does the convers on, or on the day before The exchange rate that a Cad Netwo uses to converl the Purchase to U S dollars may difler from the rate in etlect on the date you made the Purchase or on the post dale for that Purchase shown on your statement The Card Network's procedures may change wthout notice. Aboutthe Fee YourAccount has an annualmembership fee The FactShoetshows lhis fee. You'll see this annual fee on your fiEt statement affer opening your Account and each year aner $at. Well charge the fee iryour Account is open, even if you don't have a balance. We have the right to charge you a late fee il you don'l pay at least an amount equal to the Minimum Paymenl Due minus any Ovedimit funount by the payment due date. The late fee is $25 and, if you make anolher Late Paymenl within the nexl6 Billing Penods the late fee willbe $35. The amount ofyour late lee will never be higher than your Minimum Payment Due. We have the right to charge you a Returned Payment lee ol $25 if your bank doesn't honor your payment. lf that happens, we1l resubmlt the payment request ll your bank doesn t honor another paymenl within 6 consecutive Eilling Periods, the Retumed Payment fee wi I go up lo $35 We charge you a lee lor each Balance Transfer. We charge you a fee for each Cash Advanc€ It a third party, such as a merchant, converts the amounl of a Purchase into U.S. dollars before sending the Purchase to a Card Network, the third paiy chooses the conveEion rate nstead of the Card Network. Foroign Currency Conversion . Cash Advances. lf you take a Cash Advance in a fore gn cunency al an ATM or branch of a financial instilution, it may not be the Card Network in all instances that converts the Transaction into Lr.S. dollars. lnslead, depending on where the Transaction takes place, anotherthlrd party, such as a fnancialinsttutioo, ATM network, or ATM operator, may do the conversion. We do not clntrol this. However, il you use your Card for a Cash Advance at a C tibank ATM or branch, lhen we or our affiliales may do the conversion. The party that conveds a Cash Advance to U S. dollars will choose the exchange rate and when to do lhe conversion. The erchange rale in eflect on the date the Cash Advanc€ s conveded to U.S dollaN may differ from lhe rate in eflect on the date you look the Cash Advance or lhe post date lor thal Transac|on shown on your stalement. The exchaoge rate may also difler from any late quoted to you when you made the Transaction. Transaction Fee for Balance Transfers Transaction Fee for Cash Advancesl,rl ru.J{ E.J 5 8ate000007 L=:g*.iffi ru -J al E D Minimum Paymsnt Ous. You may pay all or a pa( of your Accou0l balance at any time You must pay at leasl the Minimum Payment Due by the payment due date each Billing Period. Yout "lllnimun Paymenl Due' equals: . Any amount past due; plus . Any Overlimil Amount; plus . The groater of: 1. The New Balanc€, il jt's less than 125; 2. $25 ifthe New Balance is at leasl $25i 3. 1% of the New Ealance (rcunded to the nearesl dollar), plus any billed interest or minimum interest charge, plus any lale fee; or 4. 1.5% of the New Bala0ce (rounded to lhe nearest dollar). The Minimum Payment Due ls never more than the New Balance. Notsi Your payment due date is typica ly the same day ofthe month, every month. You may request a change to your monthly due date. How ls th6 Minlmum Payment Due calculated? Fot exanple, in a sanple Billing Peiod, an Accounl wilh no pasl due ot Ovedinil amounts has: New Ealance: 52,500 lnterest: $18.1A SirDe lhe Ner 8a/arce is nore than $25, and there are no pasl due or Ovedinit amounls, lhe Mininun Paqenl Due will be lhe greatet ol: 1% ol lhe New Balance (1.0% \ $2,500: t25.()0) + inlercsl (518.5,1): t13.51 ot 1 .5% of lhe New Balance (1 .5% x $2,500): t37.50 Since 1% of lhe New Balance plus inlercst (543.54) is grealer lhan I .5% of lhe New Balance ($37.50) lhe Mininum Paymenl Due is $43.54. Application of Payments. We decide how to apply your payments, up to the Minimum Paymenl Due, to the balances on your Account. We may apply the Minimum Paymenl Due frst to inlerest charges, then to the balanc€ wilh lhe lowest APR and lhen to balanc€s wth higher APRS. lf you pay more than the Minlmum Payment Due, we'll apply the amount over the Minimum Payment 0ue llrsl to lhe balanc€ with the hlghest APR, lhen lo the balance with the next highest APR, and so on, exc€pt as otherwise required by applcable aw. Paym€nt lnstruction!. You must follow the inskuctrons belo,v when making a payment. lf you do, we'll qedit the payment to your Account as of the day we receive it. 1. You must pay ln U.S. dollaE. 2. You must use a check or electronic debit issued by a bank in the United States. 3. You must not send us a check dated afler lhe date tiat we receive it. 4. You must nol enclose mole than one check per envelope. 5. You must not include any restrctive endorsements on the check. 6. You must lolow the additional payment instruclions sho n on your statement. ll you don't pay in U.S dollars and we accept your payment, we'll select the currency conversion rale, and you must pay our costs. ll you don't follow our payment instructions, we may nol accept your payment, or lherc may be a delay in creditng yourAccounl. Either may result in late lees and additional interest charges lo yourAccount. lf you don'l follow the insfuc-tions in thls Agrcement oI on your slatement, we may accept your payment without osing our rights. We may reject a payment if it's more than the outstanding Account balance. We also may close your Account. PAYMENTS AUTHORIZED USERS Account Uss by Authorizod UssE. You can ask us to add one or more Authorized [.Jsers to your Account. lf we approve, use ofyour Account by an Authorized User is subject to the terms of lhis Agreement. You must: . oblain permission from each Authorized User b€forc naming him or her as an Authorized User on your Account. . Make a copy of this &reemenl available to each Aulhorized User.. Pay us lor all charges incurred by each Authorized User. . Notify us to remove an Authorized Userfrom yourAccounl. lf we remove an Authorized User, in some cases we may clos€ yourAccount, open a new Account, and issue you a ngw Card- You're responsible for: Any Transactlons made by an Authonzed User on yourAccounl. Any Transaction made by an Authorized User even il the post date shown on your statementfor that Transaclion occuE after the date you ask us to rcmove the Authorized User from your Account. Any Tansaclions made by otheE if an Aulhorized User allol.vs them to use your Account. Fees and charges resulting lrom any Transactions made by an Authorized User or others il an Aulhorized User allows them to use yourAc@unt 6 4a1e000008 liE .; FEtrt Requesl refund checks Account lntormalion RighE torAuthorized UseI!. You allow us to discuss your Account with an Authorized User. This includes g ving him or her access to youl A@ount informalion and h story. You also agree thalan Authorized User may use and receive inlormalion about the Account the same way you do. An Authorized User can'l add other Authorized UseE, adiust the cred t limit or dose the Accounl. lnfornauon aboul Authodzsd U3ars. You agree to give us c€rtain personal informauon about each Authonzed UseL You must let each one knorv thal you'll give us lhat informalion and you must have his or her pemission lo do so. You must have perm ssion from each one to allow us to share inloffiation about him or her as allowed by applic€ble law. This includes infomation rve may get from you, any Authorized User and others. ll also includes information about their Transactions on the Account. Credit Reporllng. We report informalion about thrs Ac@unt to Consumer Reporting Agencies in the Autho zed Useas name lhat may appear on their credit report This could include rnformation about: , Late Payments; . Overlimit amounts; and . Relumed paymenls; . other violalons ot this Agreement. You musl et each Authorized User know that we Eport Accounl infomation in hls or her name. Also, see Crodlt Reporting in Section 8. What can Authorlzod UseB do? . Report lost or stolen Cads . Change the billing address for your Account . Make payments . Oblain Ac€ount infomation, such as Transaclion hisloies lniUate billing disputes Request statement copies DEFAULT, CLOSING OR SUSPENOING YOUR ACCOUNT Default. We may requre immediate payment ofyourtotalAccount balance, to the extent allowed by law, ifany of tie follo',eing occurs: (J.l 1. You don't pay at least the Minimum Payment Due by lhe due date. t 2. You have a Retumed Paymeot. J 3. You lile for bankruptcy or some other insolvencl proceeding is llled by or --o against you. 4 You don't hooor lhe terms ot lhis Agreement. 5. You delault under any other card agreement you have wrth us. 6. You?e declared incompetenl or mentally incapacitated, or in the event of youl death. Clgsing gr Suspendlng YourAccount. We may close or suspend yourAccount if any olthe events lrsled above occurs, or for any reason, or for no reason. We may do th s at any I me, without nolitying you, as allowed by law. We may c€nce your cu(ent Card and issue you a substitute Card at any time. You also may close your Account at any time by notifylng us by telephone or in writing. lf we close or suspend your Account, or ifyou close your Account, you must pay us a lamounts you owe on the Account, even ifthey post to your Account afrer it's dosed or suspended. Closing Sscured Accounts. lf your Account is a secured Accounl, you gave us a secu ty lnterest in a deposlt accounl. This sec!res repayment of your Accounl. lf you wlthdraw your funds from the deposit account, we will dose your Account. ll you gave us a security interest in a deposit account, we may use the deposit amounl to pay any amount you owe. 7 8ate000009 You allow us to get informalion about you We get il lrom Consumer Reporting Agencies and other sourc€s that provide consumer financial informatlon. You allow us lo use it for: Renewal ol your Account; Credrt line increases or decreasesi AdministBtion or review of your Account, collection and any other servicing; Allother credilrelated purposes connected with this Agreement; offers for other cards, insurance products and other services; and other uses permited by law. Changes to Account lnformation. You provided certain personal information to us t,| when you opened your Accounl Yo- aq'ee lo notify us rl th s ilforTatol chalges I tt you Aon't.'or it we as< you to verfy yolur Accou nt iformarron ard yor canrot, we-J may suspend or close your Account. E tnformation Sharing. You agree lo Iet us share nformation about you and your Account as allowed by aw. This includes information we gel from you and olhers. Our privacy notice, which s enclosed with your new Account materia s, descr bes reasons Cilrcan share its customers' personal inlormation. COMMUNICATIONS Contacting You. You agree that we (and./or our service providers or anyone we authoize) may contact you at any phone number, emai address, or mail ng We reporl Accounl information in your name, as well as infonnation about you to Consumer Repor!ng Agencies, on a monthly basis. The infomation we provide may appear on your credil rcports. This can include information about: . Late Payments; . ovedimit amounts; and . Retumed payments; . Olher violatjons ofthis Agreement. lfyou lhink we've given incorrEct inlormation to a Consumer Reporting &ency about you (or about an Authorized User), contact Cuslomer Service and well research it. We'll let you knory if we agrce or disagrce with you. lf we agree with you, we'll contact each Consumer Reporting Agenc, we reported lo and request a correction address you provide or we obtain in otherways. This includes communications lo mobile, c€llularl,rircless, or similar devices. We may contact you by live operalor, auto-dialer, recorded or artificlalvoice, t8xt, or email. You agree to pay any charges from your plan p@vider for communications we send to you, as well as communications you send to us- How Ws Capturo and Use Voicoprint!. We may use voic€ rccognition technology to verify your identty when you call. We may capture and storc your voiceprint for this purpose. Call ilonitoring. We may monitor and record any calls between you and us Notlces. We send any notices to your billing address or, ifyou ve agreed, by email to the address you gave us We consider a notice senl as soon as we mail it. We consider an electronic nolice senl as soon as we email it, unless wo receive notilication that the email was undeliverable. ACCOUNI INFORMATION, INFORMATION SHARING AND COMMUNICATIONS CREDIT REPORTING TRANSACTIONS Msrchant R6funds. A merchant refund to yourAccount will post to yourAccount as a credit We don't contrcl when a merchant s€nds an Acrount credil. We'll choose how to apply the credil to your existing Account balances. lf a credil crcates a credit balance on yourAccounl, we'll mail you a check tor the amount of the credil balance. Noto: Morchant Surcharges. Some merchants, including merchanls outside ol lhe U.S., may charge you a lee to use your Card lor a Purchase. The lee will be e ther a percentage of the amount o{ your Purchase, or a flat fee, and will be added to the amount ol your Purchase. Usually, a merchant $/ill tell you about lhis fee betore you use your Card, bul nol always. We don't control lhese lees, and can t prevent them. Recurrlng Authorirsd Transactione. ll you authorize a merchant or any other person to charge your Account for recurring Transactions, you must notify the merchant if: . You want to discontinue these Transaclions; . Your Account is closed; . Your Account number changes; . Your Cad expkation date changes. You're responsible for reinstatrng any recuning authorized Transactions. Rolusal ot lhe Card. We don't guaGntee approval ol TBnsactions. We are not liable for those that aren't approved, even if you have enough available credit on yourAccount. llwe detect unusual or suspicious activity, we may suspend your credil privileges. We also may imit the number of Transactions approved in a single da:y 8 8ate000010 [:=:]i.; E$N L,l ru{{ PLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY This sect on provides that d sputes may be resolved by binding arbitrdtion. Aditration replaces the right to go to coud, have a jury lrialor in late or partjcipale in a class acuon. ln atuitlalion, disputes are resolved by an arbitrator, not a iudge or jury Arbitrauon prccedures are simpler and more limited than in court. This arbikation provision s governed by the Federal Arbilralion Act (FAA), and sha I be interpreted in the broadest way lhe law willallow. Covergd claims . Ygu or rve may arbitrate any claim, dispute or crntroversy between you and us aris ng oul ofor related to your Account, a previous related Account or our rclationship (called 'C aims'). . lf arbilration ls chosen by any parly, neilher you nor ws will have the righl to litigate that Claim in courl or have a lury trlal on that Clalm, Except as stated below, a I Claims are subject to arbitrauon, no matter what legal theory they're based on or what lemedy (damages, or injunctive or declaratory relie0 they seek, including Claims based on contracl, tort (including intentional tort), fraud, agency, your or our negligence, statutory or rcgulatory prov sions, ol any other sources of aw; Claims made as counlerciaims, cross-claims, lhird-party caims, rnteeleadeE or otheMisei Claims made regading past, present, or luture conducl; and Claims made independently or with other cla ms This also ncludes Cla ms made by or against anyone connected wth us or you or claiming through us or you, or by someone maklng a clalm through us or you, such as a co'applicant, authorized user, employee, agenl, represenlative or an affiliated/parenu subs d ary company. Arbitralion limits lndivldual Claims liled n a small cLaims c€urt are not subject to arbrtration, as long as the matter stays in smallclalms court. We won't in Uale arbrtration to co lect a debt from you unless you choose to arbitrale or assert a Clalm aga nsl us. ll you assert a Ciaim against us, we can choose to arbitrate, includ ng actions to collecl a debt lrom you. You may arbrtrate on an ind vidual basis Cla ms brought agalnst you, including Claims lo collecl a debt. Claims brought as part ol a class action, privale attorney general or other representative aclion can be arbitrated only on an individual basis. The arbltrator has no authority to arbilrate any caim on a cass or representa|ve basis and may award reliefonly on an indiv dual basis. lf arbitration is chosen by any party, neither you nor we may pursue a Claim as part of a class action or other representative aclion. Claims ol2 or more persons may not be combined ln the same arbitration. However, applicants, co-applicanls, authoized users on a single Account and/or related Accounls, or corpordte afllliates are here consideEd as one person. How arbitralion works Ahitration shall be conducted by the American Arbitction Association ('AAA') according to this arbitralion p@vision and the appllcable AAA arbitration rules in effec1 when the claim is llled ('AAA RulesJ, except where those rules conflict with this abltration provision. You can obtain copies ofthe AAA Rules at the AAA'S website (r$Nw.adr.or9) or by calling 800-778-7879. You or we may choose to have a hearing, appear at any heanng by phone or other electronic means, and/or be represented by counsel. Any io-peEon hearing wil be held in the same city as the LJ.S. Distrid Coud clos€st to your billing address. Arbitration may be requested any time, even where there is a pending lawsuit, unless a trial has begun or a finaljudgment entered. Neitheryou norwe waive the ight to arbikate by liling or serving a complaint, answer, counterclaim, ARBITRATION AGREEMENT & BENEFIT CHANGES motion, or dis@very in a court latvsuit. To choose arbitration, a party may tile a mouon to compel arbitration in a pending maner and/or commence arbitIation by submitting the required AAA forms and requisite filing lees to lhe AAA. The arbitration shall be mnducled by a single arbifabl in accord with this arbitration provision and he AAA Rules, which may limit discovery. The arbitralor shall not apply any fedeclor stato rules ofcivil procedure for dismvery, but lhe arbiuator shall honor claims of pnvilege rccognized at law and shall take reasonable steps to protect Account information and other cpnlidential infomation ol either party il requested to do so. The arbitrator shall apply applicable substanlive law mnsistent with the FAA and applicable statute ol limitatjons, and may award damages or other reliel under applicable law. The arbitrator shal make any award in wliting and, if requested by you or us, may provide a bnefstatemenl of lhe reasons for lhe award. An arbitration award shall decide the rights and obligations only of the pa ies named in the arbitration, and shall not have any bearing on any other person or dispute. Paylng lor arbifallon fees . We will pay your sharc of the arbikation fee for an arbitration of Claims of $75,000 or less ilthey are unrelaled lo debt mlleclion. olherYiise, arbitration fees will be allocated according to the applicable AAA Rules. lf we prevail, we may not recover our arbrtlation fees, unless the arbitrator decides your Claim was frivolous. All patues are responsible for heir own attorney's fees, expe( fees and any other expenses, unLess the arbitlator awards such fees or expenses to you or us based on applicable law. Ths finalaward . Any awad by an arbltrator is linal unless a party appeals il in writing to the AAA with n 30 days ol notlce olthe awald. The arbittalion appealsha I be detemined by a panel of 3 atitralors. The panel will consider all facts and legal lssues anew based on the same evidence presented in the pnor arbitralron, and wil make decslons based on a majorlty vote. ArbitGtion fees for the arbitration appeal shail be allocated accordlng to the applicable AAA Rules. An awad by a panel on appeal is final. A linalaward is subject tojudicial review as provided by applicable law. Survival and Severability of Trrns This arbitration provlsion shal survive changes in this Agreement and termination ofthe Acco!nt or the relationship betlveen you and us, lncluding the bankruptcy ot any party and any sale ofyour Accounl, or amounls owed on your Account, to another person or entity. lf any part ol this arbitration provision is deemed invalid or unenforceable, lhe other terms shal remain in force, except that there can be no arb tration ol a class or reprcsentative Claim Thls afuitration provision may notbe amended, severed orwaived, except as provded in this Agreement or in a w tten agreement between you and us. Rules for rojecting this arbikation provision You may reject this arbilration provision by sending a written rejection notice to us at: PO 8ox 6195; Sioux Falls, SD 57117-6195. Your reiection notice must be mailed within 45 days ofAccount opening. Yout rejection notice must state that you rcjecl the arbitration provision and include your name, address, Account number and personal signalure. No one else may sign the rejection notice. YouI rejection notice wi I not apply to the arbltrauon provislon(s) governing any other accounl(s) that you have or had 'rith us. Rejection ofthis aditrdtion provision 'ron't affed your other rights or responsibilities under this Agrcement, including use ot lhe Account. I Ba1e000011 ;='Ji.iffi Changes to this Agrsement. We may change lhis Agreement for any reason and at any time, subject to applicable law. This means that we can change rates, and fees lhat apply to your Account. lt also means we can add, rePlace or remove provisions ol this Agreement. lf required by applicable law, lve'll give you nolice of the changes. lfyou have the right to rejecl a change, f,,e'll notify you and tsllyou how lo rsject. lf we notify you of a change, wo may do 60 on your statoment or lond you a ssparate writtsn notlce, sither ofwhich may be ssnt electronically if psrmittod by appllcrble law. Changing Eeneflb. Any benefl, reward, service or feature offered may change or be discont nued at any time lor any reason Separate terms and conditions w ll describe any erceptions L,r ru -,.t -J ru Asslgnment. We may assign any or a lofour rights and obligatons under th s &reement to a lhird party. You may not sell, assign or transler your Account or any ofyour obligations under th s Agreement. Goysming Law, Federal law and the law of Souh Dakota govem the terms and enforc€ment of this Agreement. Enforclng this Agresmsnt. We won't lose our dghts under this Agrcement because we delay in enforcing them or fail to enforce them. lf any provision of this Agreement is found lo be unenforceable, allolher prcvisions ofthe Agreement will remain in effect. Colleclion Costs. To the extent allowed by law, youte lable to us lor our lega costs ilwe refer colleclon of your Accounl lo a lawyer who isn't our salaried employee These costs may include rcasonable attorney's fees, as well as msts and expenses of any legalaction. Unforesggn Clrcumstances. From tlme to ume, our services might be unavailable due 1o cucumstances beyond our contml (such as fires, lloods, natural disastels, system failures or other unpredictable eveots). When this happens, you might not be able to use your Cad or obtain intormation about your Account. We're not responsible or liable if this happens. Lost or Stolen Cards, Account NumberE or Accounl Checks. You must try to prevent the unaulhodzed use of your Account and any Card, including your Account number. You musl call us if any Card is lost or stolen. Also, you must call us il you think someone has used or may use these items rvithout permrsson. Headings. The headings in lh s Agreement are included as a matter of convenience and do not dellne, I mil or enlarge the scope ol this Agreemenl or any ol ils provlsions. MISCELLANEOUS YOUR BILLING RIGHTS This notice lells you about your rights and our responsibilities undsr the Fair Credit Silling Act. Keep this documant for luture us6. lvhat to Do lf lelljn{rurhhe_atrYaulshteoenl ifyou lhink there s an error on your slatement, wfte to us at lhe address lor bill ng inquiries and correspo0dence shown on the fronl of your slatement. ln yoLJr etler, glve us the followrng informalion: Accounl informationr Your name and account number. oollar amount: The dollar amount of lhe suspected error. Descriplion of poblem: ll you hink there is an error on your bill, describe what you believe is wrong and why you believe it is a mislake. You musl conlact usl Within 60 days afler the errcr appearcd on your statemenl. At least 3 business days beforc an automated payment is scheduled, ifyou want to slop payment on lhe amoLrlt you think is wrong You must notify us ofany potential erro.s in wnting. You may ca I us, but if you do we arc not rcquired to investigale any potential errors and you may have to pay the amounl in quest on What lvill Happen After We Roceiye Your Lotter When we receive your letter, we must do 2lhings: 1. Withln 30 days ol receiving your letter, we must le lyou lhat we rcceived your letler. We also will tellyou il we have already corrected the enor. 2. Within 90 days of receiving your letler, we must eilher corect the enor or explain to you why we believe the bill is conect. While rvg investigate whether or not there has been an error . We cannot try to co lect the amount in question, or report you as delinquent on lhat amounl. . The tiansaction in queslion may remain on your statement, and we may continue lo chaqe you interest on thal amounl. . Whiie you do not have to pay the amount in question, you are responsible lor lhe €mainder ol your balance. . We can apply any unpaid amount agalnstyour credit limit. Ater wo flnish our lnvosligatlon, ono ot 2 lhlngs will happ€n: . lf we made a mistake: You will not have to pay the amount in question or any interesl or other fees related to that amount. . lf we do not believe there was a mistake: You will have to pay the amount in queslion, along wilh applicable interest and fees. We will send you a slatement ofthe amount you owe and the date payment is due. We may then report you as delinquent ifyou do not pay lhe amountwe think you o're. lfyou rec€ive our explanation but slill believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. ll you do so, we c€nnot report you as delinquent without also repo ng lhat you are questioning your bill. We must tellyou the name ofanyone to whom we repoied you as delinquent, and we must let those organizations know when lhe matter has been settled between us. lf we do not follow allof lhe rules above, you do not have to pay the first 150 olthe amount you queston even your brll rs correct. ffi: 10 8ate000012 1. The purchase must have been made in your home slate or within '100 mibs of you r cu nent mailing address, and the purchase price must have been morc than $50. (Note: Neither ofthese are necessary ifyour purchase was based on a0 adverusement we mailed to you, or if we own the company that sold you the goods or services.) 2. You musl have used your credlt card for the purchase. Purchases made with cash advances from an ATM or rvith an Account check do not qualify. 3. You muslnot yet have fully paid lorthe purchase. lf all o[the cntena above are met and you are stilldissatisfied with the purchase, contacl us in wnting at lhe address for billing inquiries and corcspondence shown on the front ol your stalemenl. Whie we investigate, the same rules apply to the disputed amount as discussed above After we linish our investigation, we willtellyou our decision Al that point, il we think you owe an amounl and you do not pay, we may repod you as delinquent. For Fu(her lnformation: Call lhe Customer Servrc€ number shown on the statemenl or on the back ofyour Card if you need more rnlormatron (n ru AJ -J L' l:*i.i HH! O 2016 Citibank, NA 8a1e000013 11 Your Rlght! lfYouts oissatlsfied with Your Credlt card Purcha$s lfyou are dissatisfied with the goods or services that you have purchased wllh your credit card and you have lied in good fa th to correct the prob em with the merchanl, you may have the ight not lo pay the remalning amount due on lhe purchase. To uss this right, all of ths following must be true: EXHIBIT 2 CITI'' / AADVANTAGE' PLATINUM SELECT'CARD citi aaafiHtiiffe\ SHEILA J PATTERSON Member Since 2015 Account number endirq i.:5211 Billin g Period:O4l27 h7 -OSl24 117 rYww.clticards.com Custom.r Serylc. l-AgA-766-ClTl(2484) TTY-hearing-impaired services only l-800 125'2865 BOX 6062 S l0UX FALLS, SD 57117 MAY STATEMENT Your next AutoPay payment of S287.lO will be deducted from your bank account on 06/2212017. Please note that the next AutoPay payment may bc reduced ir you have made additional payments or received any credits during the current billinq cycle. Minimum payment due: New balance as ol O5lZ4l17i Payment due date: s287.10 st5,610.84 06l22l17 Latc Payment Warnlng: lf we do not receive your minimum payment bY the date listed above. you may have to pay a late fee of up to S35 and your APRs may be lncreased up to the variable Penalty APR of 29,99%. Mlnlmum Payment l{arnlng: lf you make on y the minimum payment each period, you will pay more in interest and it will take you longer to pay off you. balance. For example: Account Summary Previous balance Payments Credits Purchases Cash advances Fees lnterest s7,690.07 -s207.31 -s0.00 +S8,581.98 +So.oo +S425.0o +s121.10 And you will end up payinq an estimated total of... Only the minimum payment 29 year(s) s39,592 New balance s16,61o.84 S554 3 year(s) s19,944 Credit Llmlt Revolving Credit limit 518,OO0 lncludes 53,900 cash advance limit n"uir"or" n"""irirq;;;Jif Si;i8t Includes S1,389 avalable lor cash advances (Savlnqs=S19,54a) For information about credit counseling services, call 1 877_337'8187 AMERICAN AIRLIN ES AADVANTAG:'I\AILES AAdvantage@ Miles Reported to American Airlines: 82 ) See page 3 for more informatlon about your rewards Your Account ls en rolled ln AutoPay. Minimum p.yment due NevY brlance Payment due date s287.lO s15,6rO.84 o6122117 Amount enclosed: 000000 Pw 00 a 0 Account number ending in 5277 SHEILA J PATTERSON PO BOX 178r3 FORT WORTH TX 76102-Oa13 CITI CARDS PO BOX 74045 Phoenlx, AZ s5o52-4o45 8ate000014 ll you make no additional I You will pay off the charqes usinq this card balance shown on this and each month you pay... lstatement ln about... l ,'r www.cltlcards.com SHEILA J PATTERSON customer Sorvlce l.ae8-756-ClTl(24E4) TTv.hearing-impaired se.vices only 1-800'325 2465 Page 2 of 2 Account Summary Trans. Post date date Description Fees charged oate oescriptlon oslza erirruCl TRAN;iiR iia Amou n t -s207.31 s8,500.00 AMERICAN AIRLINES AADVANTAGE! MII.ES REPORTE D, a2 Pu rchase a2 P.ym.nts, Cr.dltt !nd Adlustm.nts 05/22 AUrOPAY99999o000048A43RAUTOPAY AUTO-PMT St!ndard Purcha3a3 04130 04/30 APL. TTUNES.COM/S|LL 856-712'7753 CA osibe osid; Ciia;MiAN Nc;ul BiAuri Ciio),iisiss cA s27.04 Ssi.ta lnterest Charge Calculation Days Tn bl|ting cyc e:zg Igvl.llMll:J9:ll:9!..1-"J:.lllllr:.!li.Jl!v!l.ll!9f::l lil:.91I:111!:9Yll: . .. .. .. .... .. . Annu.l p.rcant.g. B!l!nca rublact P"_l:l::lry . I"l:ll?fl 19.ltl:r."11r!!9 ..lr!:.r9:l:llr9: ?_u_89r1A.iq9.... . . Standard Purch j8.74% (V) 97,777.19 (D) S1 .B0 ijii"i o 3;il il:oji;lii;; is:o I9ilil99.Ifi!:l9r.l9l: !rpi* 9-?191i1?l ADVA\CES standard Adv 25.gg lv) 50.00 (D) So.o0 Your Annual Percentage Rate (APR) is the a nnual interest rate on your account. APRs followed by (v) lnay vary. Balances followed by (D) are determined by the daily balance method (includin g current transactions). Account messages Remember, any charges above your revolving credit limit MUST BE PAID lN FULL by your statement's payment due date. Each Balance Transfer is subject to a one-time transaction fee. Accumulated This Month D Visit aa.com/aadvantage to a2 redeem mlles, book fllqhts and much more American Airlines reserves the right to change the AAdvantageo program and lts termsand conditions at any tlme wlthout notlce, and to end the AAdvantag@ program with six months notice. Any such changes mayalfect your ability to use the awards or mileage creoits that you have accumulated. Jnless specilled, AAdvantage miles earned through this promotion/offer do not co!nt toward elite- statr.rs qualiflcation or Mlllion MilepM status. Amerlcan Airlines ls not responsible for products or servlces offered by other participating companies. Forcomplete details about the AAdvantage program, vlslt www.aa.com/aadvantaqe Amerlcan Airlines, AAdvantage and AAdvantage Milllon MIler are trademarks of Amerlcan Aklines. lnc. 8a1e000015 Amount sozs.oo Total fees ch.rged ln thls bllllng pe.lod s4 2 5.OO Amount i'li,;i s9.30 Total lnterest ch.rged In thls bllllng perlod 2Ol7 totals year-to-date l:lal t9:s ch:leed ln 2ol7 Total interest charged ln 2ol7 s12l.to i13l:99 $ s92.s7 t )r Erlanc. Tr.nst.r-Oller 6 (3.990')6) 05115 05/15 BAL XFER CHECK $ 1009 lnterest charged Date Description A5124 INIEREST CHARGED TO STANDARO PURCH A5124 INTEREST CHARGED TO OFFER.OO5 CITI'/ AADVANTAGE' PLATINUM SELECT' CARD SHEILA J PATTERSON Memb er Since 2015 Accou nt number endiry in'.5277 Biliing Period:05/25117 -OCl26l17 www.cltlcards.com Customer Servlce l-AA8-756-ClTl(2444) TTY hea ring-im paired services only 1-800'325-2865 B0x 6062 St0ux FALLS, SD 57117 JUNE STATEMENT Your next AutoPay payment of $33O.44 will be deducted rrom your bank account on 07l22l2ol7. Please note that the next AutoPay payment may be reduced if you have made additional payments or received any credits during the current billing cycle. Mlnlmum payment due: New balance as ol 05126117r Payment due date: s330.44 s16,544.12 07 /22/17 Lal. Paymert Warnlnq: lf we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to 535 and your APRs may be increased up to the variable Penalty APR of 29.99%. Mlnlmum Payment Warnlng:lf you make only the minimum payment each period, you will pay more in interest and it wil take you longer to pay off your balance. Eor example: Account Summary Previous balance Payments credits Purchases Cash advances Fees lnterest s]6,6rO.84 's287.r0 -So.oo +554.94 +g0.OO +s0.00 +s165.44 You will oav oll the ba lan ce shdwn on this statement in about... lAnd vou rYill end uo lpayldq an estimatdd I totalor... Only the minimum payment 29 year(s) s39.782 New balance 316,s44.12 ---------t-------l3 yea(s) lsre.eBol(savhgs=S19,aoz) Credit LlmitRevolving Credit limit Sl8,00O lncludes S3,900 cash advance limit n""ir"or" n"r"r"i"q .i"Jil 5i,+ss lncludes S1,455 avaiiable for cash advances For information about credit counseiing services, call 1-877.337-8187 AMERICAN AIRL]N E5 AqDVANTAGE'I\A]LES > See page 3 tor more lnformation about your rewards Your Account ls enrolled ln AutoPay. Minlmum payment due New balance Payment due date Amount enclosed: Account number ending in 5217 6 SHEILA J PATTERSON PO BOX l7at3 roRT woRTH TX 76102-0813 CITI CARDS PO BOX 74O45 Phoenix, AZ 85062-8O45 cfti r,E6/r&lB \AAdvantage \. lf you make no additional charqes usinq this card and each month you pay.,. AAdvantage@ Miles Reported to American Airlines: 55 000000 Pw 00 A 0 933O.44 sl5,544.12 07122117 Account Summary Trans. Post date date Descripfion Standard Purchases 9919: 09/05 Gl!:y!11!rt19ly!9lAyil999J1l:l_?: Fees charged Customer Servlce 1-AEA-765-ClTl(2484) TTY-hearing-impaired services onLy 1'800'325'2465 Amount AMERICAN AIRI-INES AADVANTAGE! MITES REPORTE D: 55 Purchase s287.10 lnterest Charge calculation Days in bi ins cyctei33 Your Annual P.rc.nt.q. R.t. (APR)ls the annualinterest rate on your acco!nt. Bll.lce tye! PURCHASES Annual percent rat. (A B!lance sublect to lnterest rate lnter.st ch!rq. Standard Purch 18.99% (V) 57,760.56(0) ijiie;5 3.eeeo 48,;rl.js,;; !9919r99 Ir9r:l:f i9!9 !rpr.* 9.r-{91{:l AqYA)_c.E9 . standard Adv 26.24% (v) S0.o0 (0) Page 2 of 2 51, Accumulatcd Thls Month 55 D Vislt aa.com/aadvantag6 to redeem miles, book lllghts and much more Amerlcan Aklines reserves the right to change the AAdvantage@ proqram and its termsand conditions at any time without notice, and to end the AAdvantaq@ proqram with six months notice. Any such changes mayatfect yo{rr ability to use the awards or mileage credits that you have accum!lated. Unless specitled. AAdvantage miles earned throuqh this promotion/offer do not count toward elite'status qualification or MllLion MileFM status. American Airlines is not responsible for products or services offered by other participating companies. For complete detalls about the AAdvantage program, vislt www.aa.con/aadvantage American Airlines, AAdvantage and AAdvantage Million Miler are trademarks of American Airlines, lnc. Baleoo0ol T Prym.nts. Crrdltr lhd AdJu3tm.nts 06122 AUTOPAv 999990000048843RAUT0PAY AUTO-P[,47 554.94 Tol.l f6es ch.rqed ln thls bllllng perlod lnterest charged ?utu. .. . Des(riDtio' o91r-9 !u!1IS-I9ftfglD-19_:It!918P ?-u_19f 06126 INTEREST CHARGED TO OFFER.OO5 s o.oo Arnoun t irii,i: S32.19 Total lnterest charged ln thls bllllng perlod 2O17 totals year-to-date Iota! Jees clalled in 2ol7 Total interest charged in 2ol7 s 16 s,44 i1-r?:oo s7s8.O1 s133.25 airt So.oo www.cltlcards.com SHEILA J PATTERSON '''''I i ){ Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed by (v) may vary. Balances followed by (D) are determined by the daily balance method (includinq current transactions). Account messages Remember, any charges above your revolving credit limit MUST BE PAID lN FULL by your statement's payment due date. CITI" / AADVANTAGE' PLATINUM SELECT'CARD cifi aaafiffie\ JULY STATEMENT Lata Paymant l{arnlng: li we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to S35 and your APRs may be increased up to the variable Penalty APR of 29.99%. Mlnlmum Paymant Warnlnq: lf you make only the minimum payment each period. you will pay more in interest and it will take you longer to pay olf your balance. For example: www.clllcards.com Custome. S.rvlc. l-gAa-766-ClTl(2444) TiY.hearing impaired se.vlces only 1 800'325 2855 BOX 6052 S IOUX FALLS, SD 57117 Your ncxt AutoPay payment ot 5315.16 will be deductcd from your bank account on OBl22l2O17. Please note that the next AutoPay payment may be reduced i'you have made additional payments or received any credits during the current billing cycle. Account Summary Previous balance Payments Credits Purchases Cash advances Fees lnterest New balance sr6,437.O6 Credit Llmlt Revolving Credit limit S]8,OO0 tncLudes 53,9o0 cash advance llmit arJiiaute nevorvinq creJii 51,552 lnc !des S1,562 available for cash advances D See page 3 for more lnformation about your rewards Mlnimum payment due: New balance as ol 07 /26/17: Payment due date: s3ls.16 s15,437.O5 oal22l17 And you will end up payinq an estimated total of.-. s16,544.12 -s330.44 -s0.0o +572.22 +gO.OO +SO.OO +9151.16 Only the mlnlmum payment I 29 yea(s)_______________- 55s4 3 year(s) ]s.r,.., Sr9,944 l(Savlngs=S19,693) For information about credit counseling services, ca I 1-877.337_818? Your Account ls enrolled ln AutoPay. Minimum pryment due New balance P!ymcnt due date Amou nt enclosed: Account number ending in 5277 s3rs.16 516,437,O6 o8122117 000000 PW 0o A o SHEILA J PATTERSON PO BOX 1?413 FORT WORTH TX 75102-0813 CITI CARDS PO BOX 78045 Phoenix, AZ 45062'8045 4a1e000018 SHEILA J PATTERSON Member Since 2015 Account number ending in: 5277 Billing Period:06127 117 -o7 I 26117 AMERICAN AIRLIN E5 AADVANIAGE" MILES AAdvantage@ Miles Reported to American Airlines: 72 ll you make no additional charq es usinq thls card and each month you pay... You will pay ofl the balance shown on th is statement in about,., ;r wtvw.cltlcards.com SHEILA J PATTE RSON Custom.r Se.vlce l-gAg-766-ClTl(2444) TTY hearlng-impaired services only I B0O 325-2855 Page 2 of 2 Account Summary Trans. Post date date Description Pryment., cr.dlts lnd Adlu3tm.nti a7/22 AUTOPAY 999990000048843RAUT0PAY AUIO-PMT Amou nt .s330.44 72 lnterest Charge Calculation Days tn bl ins cycle:3o Y9!!f"lt:!?11::1!i!.n!l:!flRli:!!eill}19rl1!9f!li.t9!!.9tI9!.t.1!i9i.?l:.... Annu!l parcantrqe B!lancc subject Balanca tvpa rata (APR) to lntcrest rate lntrrast charqe Standard Purch 18.99% (V) S7,84t.53 (D) St22.4O orter 6 : ggx se zii ii io, srs; . 1q9l1l99.It"*l9f L"-l9,tICl.* 9.?19_111?) . aqYANqE:........ Standard Adv 26.24% (y) So.00 (D) S0.0o Accumulatcd This Month )) Visit aa.com/aadva ntage to 72 redeem mlles, book tllghts and much more Amerlcan Alrlines reserves lhe right to change the AAdvantagp program and its termsand conditions at any time without notice, and to end the AAdvantag@ program with six months notice. Any such changes mayaffect your ability to use the awards o. mlleage credits t_at you rave accumulated. unless speclfled, AAdvantage rniles earned through this promotion/offer do not count toward elite- status qualltlcatTon or Million MilepM status. American Airllnes is not responslble for products or servlces offered by other participatlng companles. For complete details about the AAdvantage program, vlslt www.aa.com/aadvantage American AIrlines, AAdvantaqe and AAdvantage Milllon Miler are trademarls of American Aklines, lnc. GRC'MEANINGFULBEAUTY 80024]9]55 CA Apl; i:uijis.coMiBlLl iioo:7i).i#l cr' rpl; iiuiiis.couiri,lf bss ziz.zzsi cr s54.94 alisB aa.ro Total tees charqed ln thls bllllng perlod lnterest charged Date Description "itiq iliini;ietAiciiiiiiAr;rOiirifO,-/26 INTEREST CHARGED TO OFFER 006 $ o.oo Amou nt iiii,li s28.75 Tot.l lnlerest charged in thls bllllng perlod 2O17 totals year-to-date Tola! rees clalged ln 2ol7 Total interest charged in 2ol7 s 15t.16 i1??:90 $909.17 YoLrr Annual Percentaqe Rate (APR) is the annua interest rate on youT account. APRs followed by (V) may vary. Balances fo owed by (0) are determined by the daily balance method (includlng current transactlons), Account messages Reminder: verify your account transactions lf you contacted Customer Service regardinq an issue with your account, please review your statement to confirm that all your transactions s/ere processed correctly. lf you have any questions, visit citi.com or call the number on the back of your card. Citi's lelecommunication number for hearing- and speech-impaired customers is located on your billing statement and in the "Contact Us" section on citi.com. Remember, any charges above your revolving credit limit MUST BE PAID lN FULL by your statement's payment due date. 8a1e000019 AMERICAN AIRLIN E5 AADVANTAGE'MII,ES REPORTE D: 72 Purchase \ i Fees charged CITI' / AADVANTAG E" PLATI N UM SELECT' CARD cfti nadfifiiHfie\ SHEILA J PATTERSON Member Since 2015 Acco!nt number endi19ini5277 Billinq Period:07/27 117 -Oel 24117 www.cltlcards.com Customcr Scrvlcc l-AEA-765-ClTl(2484) TiY.hearinq impaired services only 1-800-325-2855 BOX 6062 S OUX FALLS, SD 57117 AUGUST STATEMENT Account Summary Previous balance Payments credits Purchases Cash advances Fees lnterest 516,437.06 sl6,493.O7 -s0.oo +S56.01 +So.oo +s0.o0 +5111.50 Minimum payment due: New balance as ol OBl24/17: Payment due date: 51ll.5o s111.sO 09122117 Lata Payment Warnlng: lf !{,e do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to 535 and your APRs may be increased up lo the variable Penalty APR of 29,99%. Mlnlmum Paymcnt Warnlng: lf you make only the minimum payment each period. you will pay more in interest and it wil take you longer to pay off your balance. For example: New balance sflr.so lf you make no addition charqes usinq thls card and each month you Pa' al I You wlll pay ofl the I balance shown on lhisy... I statement in about... I-------r------- payidg an estima total ol-.- up ted Credit Limlt Revolving Credit limit S1B,0O0 '"-'r!d:.: i::?99 :?:1 "-9Y91!: ' -il .. . . Available Revolving credit S17,888 tnc udes S3,900 availab e Ior cash advancesOnly the mlnimum payment I I month(s) SI2 Ior informat]on about credit counseLlng services, call l-877.337_8187 AMERICAN AIR tIN ES AADVANTAG E" MILES AAdvantage@ Miles Reported to American Airlines: 56 D See page 3 for more lnformation about your rewards Please print Address Changes on the rever5e side Pay your blll from vlrlutlly !nywhere rvlth tha Citl Moblle'App and Cltf Onllne Minimum paymcnt due New balance P!yment due d!te s1r1.5O s111.sO 09122117@ Text 'Appl5'to Mycltl (6924821)or qo to yo!r device's app store, Or vlsit wwr.clttcrrds.com Amou nt enclosed: 000000 Pw 00 A 0 Account number en ding in 5277 SHEILA J PATTERSON PO BOX 17S13 FoRT WORTH TX 75102-0813 8ate000020 CITI CARDS PO BOX 78045 Phoenlx, Az 45062'8045 www.cltlcards.com SHEILA J PATTERSON customcr s.rylc.'l-aAa'756'ClTl(2494, TTY-hearing'impalred services on y 1 800-125 2855 Paqe 2 ol2 Account Summary AMERICAN AIRLIN ES AADVANTAGE, MII"E5 REPORTED: 56 Purchase Tra ns date Post date Description Plym.nt., cr.dlts .nd Adju3tm.ntg 08/18 ONLINE PAYMINT, THANK YOU sr6,493.07 55 Standrrd Purchasas oa/o2 0ala2 os.ii o}iii GRC'MEANINGFULBEAUTY 8002419]55 CA pi. :iurl'is.ciivTiilfl iieo-ii):zzii ca ' ss4.94 5i.0, Accumulated This Month 56 D Vlslt aa.com/aadvantage to redeem mlles, book tllgtts and much more Amerlcan Aklines reserves the riqht to change the AAdvantag@ program and lts termsand conditions at any time without notlce. and to end the AAdvantaqe@ proqram with six months notice. Any such changes mayaffect your abi ity to use the awards or mileage credits tnat you have accun,rlated. unless speclfled, AAdvantage miles earned th.ough this promotion/olfer do not count toward elite- status qualltication or Mlllion MllepM status. American AirlTnes ls not responsible for paoducts or servlces offered by other participatlng companies. For complete detalls about the AAdvantage program, vislt www.aa.com/aadvantage Amerlcan Airlines, AAdvantage and AAdvantage Mlliion Miler are trademarks of Arnerican Alrlines. lnc. Fees charged Total fees ch.rqed ln thls bllllng period So.oo lnterest charged Date Description oalza ir;iRiir l"rqcro 19 :-r)p110 i=ni" OAI24 INTEREST CHARGED TO OFFER-OO5 Amou nt s90.73 s)o ii Tot.l lnt€rest charqed ln thls bllllng p€rlod s ll r.50 2Ou totals year-to-date r.l:l f*':l:l!:9 il 39t1 Total lnterest charged in 2Ol7 i1??:99- sr,o20.67 lnterest Charge calculation Days in bilins cycre:2e Yo!r Annu.l P.rc.ntag. Rata (APR)is the annuallnteres! rate on your account. 9ll:r:: lYp: PI]RCHASF S Annual perccntaqc B.lance subJect rate (APR) to lnterest rlte '.,,,..,.. 111:r::l:!!19e Standard Purch 18.99% (V) 56,013.10 (0) $90.73oi;e'o :.ggc6 *34i.;3iot aro.;i ...l!ilal!9 It"*19.f.3,".!i !ICi|.", 92/9_I9l 4D v.4l!! E !. . Standard Adv 26.24% ly) SO.0O (D) S0.OO Your Annual Percentage Rate (APR) is the a nnual interest rate on your account. APRs followed by (v) may vary. Balances followed by (0) are determined by the daily balance method (including current transactions). Account messages Remember, any charges above your revolving credit limit MUST BE PAID lN FULL by your statement's payment due date. The balance on this statement consists of interest charges only. These interest charges are based on the number of days you had a balance on your account during the billing cycle your payment was received. As a reminder, we charge interest on the account balance until we receive payment in full. 8ate000021 'I L i. I I i CITI" / AADVANTAGE' PIATI NUM SELECT' CARD citi aadfi'ffife\ SHEILA J PATTERSON Member Since 2015 Account number endi^g int 5277 Billing Period:O8/25 h1. 09 126117 www.cltlcards.com Customer Servlc. l-EgE-766-ClTl(2444) TTY-hearing impaired services only 1-B0O 325 2865 BOX 5052 SrOUX FALLS, SD 57117 SEPTEMBER STATEMENT Account Summary Previous balance Payments Credits Purchases Cash advances Fees lnterest sx1.50 -s166.44 -so.0o +$54.94 +gO.OO +so.oo +gO.OO Mlnlmum payment due: New balance as ol 091261172 Payment due date: So.oo so.oo 10122117 Lat. Paymenl warnlng: lf we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to 535 and your APRs may be increased up to the variable Penalty APR of 29.99%. For informalion about credlt counseling services, call 1'877 337-8187. New balance so.oo Credlt Limit Revolving Credit limit SI8,0OO ncludes 53,900 cash advance limit lralaore n"""rri"q;;;Jif SiE,ooo lncludes 53,90O available for cash advances AMERICAN AIRLIN E5 AADVANTAGE'I\AILES AAdvantage@ Miles Reported to American Airlines: 55 > see page 3 for more information about your rewards Please printAddress Changcson the reverse side SO Balance - No payment ls necessary. so.oo so.oo 10122117 Amount enclosed: Account nu mber en ding in 5277 SHEILA J PATTERSON PO BOX t7Al3 FORT WORTH TX 75102-0413 C ITI CARDS PO BOX 78045 Phoenix, AZ 85062'8045 Bate000022 000000 pw 00 A 0 Minimum payment due New balance Payment due date \ www.cltlcards.com SHEILA J PATTERSON Cuslom.r Servlce l.Aa8-766-ClTl(2444) iTY.hearing lmpaired se.vices only 1-800-325-2865 Page 2 of 2 Account Summary AMERICAN AIRTINES AADVANTAGE6 MItES REPORTE D: 55 Purchase Trans date Post date Descrlption Amou n t Plym.nti, cr.dlt5 .nd Adrustmlntt O9l22 ONLINE PAYMENT, THANK YOU 'Sr65.44 55 Accumulated This Month D Vislt aa.com/aadvantage to 55 Strndrrd Purcha3as OAI29 08/29 GRC'MEANINGFUL BEAUTY AOO2419]55 S54.e4 redeem mlles, book tllghts and much more American Alrlines reserves the right to change the AAdvafltag@ program and lts termsand conditions at any time without notlce, and to end the AAdvantagp program with six months notlce. Any such changes mayaffect your abllity to use the awards or mlleaqe credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer do not count toward elite-status quallflcation or Mllllon MileFM status. American Airllnes ls not responslble for products or services offered by other participating companles. Forcomplete details about the AAdvantage program, vlslt www.aa.com/aadvantage American Alrlines, AAdvantaqe and AAdvantage Mlllon Mller are trademarks ol Amerlcan Aklines, lnc. Fees charged Tot.l lees charged In thls billlng perlod so.oo lnte rest cha rged Tot.l lnterest charg.d ln thls bllllng perlod so.oo 2Ol7 totals year-to-date rola! l:e: chalged in 2ol7 Total interest charged in 2017 s425.OO s l,o 20.57 lnterest charge calculatlon Days in bilins cycre:33 I9:t.l.1r::!.i:1::.I:9-.-!:l:!^tllr:.!19.:ll,_!LI!:!::!.ti!9.9!I9-,.1.."::9!!l:...... . Annurl p.rcantrq. Brlanc. sublact B.hnco typo rate (APR) to lnter.tt ilte lnt€r.3t chrrqe iJiir^iii Standard Purch 18.99% (V) SO.OO (D) SO.OO oii;.5 le;; iij.rjo,ijl id.iio (Balan.e Transfer Rate Explres 02101/19) A.qYAt9.-E5.. .. Standard Adv 26.24 1V) s0.oo (D) .-..-...1 s0.00 | Your An n ual Percentage Rat e (APR) is the a nnual interest rate on your account. APRS tollowed by (V) may vary. Balances followed by (D) are determined by the daily balance rnethod (including current transactions). Account messages Hurricane Harvey Our thoughts continue to be with all those affected by Hurricane Harvey. We recognize you may be facing challenges in the days and weeks ahead. We want to let you know that Citi is ready to help. Customers in FEMA-designated disaster areas may be eligible for assistance such as: automatic waiver or refund of late fees on credit cards, automatic waiver of monthly service fees on Citibank deposit accounts, automatic waiver or refund of late fees on personal loans and lines of credit, deferred minimum payments on credit cards, and emergency credit line increases, Please contact us at l-B0O-950-5114 (TTY/TDD: l-80O-325-2865). You can access your account 2417 via Citibank Online and the Citi Mobile app to check balances, transfer funds, make payments, deposit checks, find the nearest ATM, and more - all from your phone, Remember, any charges above your revolving credit limit MUST 8E PAID lN FULL by your statement's payment due date. 8ate000023 \ ;Y CITI" / AADVANTAGE'PLATINUM SELECT" CARD crtr ^lmlblfu !l AAdvantage \. SHEILA J PATTERSON Member Since 2015 Account number ending iff5211 Billing Period:09/27 h7.1O l25ll7 www.cltlcards.com Customer Serylce l-AgA-766-ClTl(2444) TiY-hearing-impaired services on y 1-800-325'2865 BOX 6062 SIOUX TALLS, SD 57117 OCTOBER STATEMENT Your next AutoPay payment of 568.89 will be deducted lrom your bank account on 111"212017. Please note that the next AutoPay payment may be reduced if you have made additional payments or received any credits during the current billing cycle. Mlnlmum payment d ue: New balance as ol 1O125/17i Payment due date: s58.89 54,O44.77 11122117 Lat. Paymcnt Warnlnq: lf we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to 535 and your APRs may be increased up io the variable Pena ty APR of 29.99%. Mlnlmum Paym.nt lvarnlng: lf you make only the minimum payment each period, yo! will pay more in interest and lt will take you longer to pay off your balance. For example: Account Summary Previous balance Payments credits Purchases Cash advances Fees lnterest s0.oo -s0.o0 -50.O0 +$109.88 +S3,72o.o0 +5186.0o +S28.89 you will end up ng an estimated lof Only the minimum payment I 18 year(s) lsn,84r New balance s4,o44.77_t_ I Ss.868 l(savlnqs=55,973) Credit Llmit Revolving Credit limit lncludes 53,900 cash advance limit r""liorJn""oi,ii"qli"Jii - Sr53 ]3 yea(s) For il1formation about credil counseling services, call 1.877.337-8187 sr8.000 Sii;es5 AMERICAN AIRLIN E5 AADVANTAGE'MItES AAdvantage@ Nriles Reported to American Airlines: 110 D See page 3 for more information about your rerYards Your Account ls enrolled ln AutoPay. Minimum payment due New balance Payment due dcte Amount enclosed: 000000 Pw 00 A o Account nu mber ending in5277 SHEILA J PATTERSON PO BOX 174t3 FORT WORTH TX 76102-0413 crTt cAR0s PO BOX 74045 Phoenix, AZ 85052-8O45 ll you make no addltional I You will pay ofl the I charqes usinq this card I balance shown on lhis I and each month you pay... I statement ln about... I s6e.89 94,O44.77 11122117 a di6i. 8ate000024 www.citlcards.com SHEI LA J PATTERSON customcr scrvlce 1-aaa.766.clTl(2484) TTY-hearing'impaired services only 1-800-325-2865 Account Summary Trans- Post date date Description Fees charged Date Description toizl rovmcii;rnnNiaciroriii Cash Advrncas to/o8 ro/08 ioioe roio, roiod ioioe t6/ici toizo ::obo :lcilzo 1012a fi/20 EVI*TACHI PALACE HOTEL LEMOORE CA EVi;i;iCHl cri|AaE Ho-;il i-r'riooir br i vi;;ACHI' pAL Aa i hoiiL i,rproodl Cn ivr;wiNsimiririrci -HACKiRvilLE oi'aVi;wiN;i;R aAsilio -il;itiriiiiiit di iVr;wilsiri'irirruci -HiC[inviLLi oi 5s20.o0 ai;rd.ito sird.6o s6rd iiit 4646:6o Si;6ttci iio AMERICAN AIRLINES AADVANTAGE' MILES REPORTEDi 110 Purchase 110 Accumulatrd Thls Month 110 D Vislt aa.com/aadvantage to redeem mlles, book tlights and much more American Aklines reserves the right to change the AAdvantag@ program and its termsand conditions at any tlme without notice, and to end the AAdvantag@ program with slx months notice. Any such changes mayaflect yo!r ability to use the awards oa mileaqe credits that you have accumulated. Unless specified. AAdvantage mlles earned through this promotion/olfer do not count toward elite- stat!s quallflcation or Mllllon MilepM status. Amerlcan Alrlines Is not responsible for products or servlces offered by other participating companles. Forcomplete det.ils about the AAdvantage program, vlsit www.aa.com/aadvantage American Airlines, AAdvantage and AAdvantage Million Miler are trademarks of American Airlines, lnc. 8ate000025 Amount St.nd.rd Purch.$s 09125 O9127 GRC'MEANINGFUL BEAUTY 8OO24I9]55 totii \i6) ii Ciic; vt ANi'iCiu I BiA'u'i tiooiiigrss CA aa s54.94'is;.i; Amount srai oo Tot!l lees charqed ln thls bllllnq perlod lnterest charged Date Description orzi i rcri i"AnCit:o s:onroeqo oov s186.0O Amount sr8.i'; Tot!l lnterest chrrged ln thls bllllnq perlod 2O17 totals year-to-date Total fees charged in 2Ol7 Totat interest charged in 2Ol7 s 26.A9 i9ll:99 s1,o49.s6 B!!!n!e !yeg PU-BgtAqEq. . . Standard Purch ADVAN C ES- ;t;;;;,;;;; lnterest charge calculation Days in bi ins cycte:29 Your lnnual P.rc.nt69. R.t. (/lPR)is the dnnua inierest rate on yo!r account. Annu!l p.rc.ntaqe Balance aublect rrta (APR) to lnt.r.tt r.ta '.,.,,,,-,-,-., . . .. 19,??y"lY) i.9,99i9) iizoq"tiil si.3;s;ii;t Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed by (V) may vary. Balances followed by (D) are determined by the daily balance method (including current transactions). Account messages Please note that if we received your pay by phone or online payment between 5 p.m. ET and midnight ET on the last day of your billing period, your payment will not be reflected until your next statement. Remember, any charges above your revolving credit limit MUST BE PAID lN FULL by your statement's payment due date. lnterast charge s0.00 s28.89 Page 2 of 2 rl .r I CITI" / AADVANTAGE" PLATINUM SELECT'CARD cfti AAdfifitHEe\ SHEILA J PATTERSON Member Since 2015 Account n!mber endirq ir 5277 Billins Periodrlo/26111 -l1l24ll7 www.cillcards.com Customcr S.rvicc l-EEE-766-ClTl(2484) TiY-hearing impaired services only I-800-325-2855 BOX 5062 S OUX FALLS. SD 57117 NOVEMBER STATEMENT You are over your crsdit limit. Please pay at least the minimum payment due, which includes an overlimit amount of 522.75.Mlnlmum payment due: New balance as ol 11/24/171 Payment due date: 5?92.75 51A,O?2.7 5 12122117 Account Summary Previous balance Payments Credits Purchases Cash advances Fees lnterest s4,o44.77 -s68.89 -so.o0 +S13,554.94 +So.oo +S4O5.O0 +S86.93 Lat. Payment Warnlng: lf we do not .eceive your minimum payment by the date listed above, you may have to pay a late fee ol up to S35 and your APRs may be increased up to the variable Penalty APR of 29.99%. Mlnlmum Paymenl Warnlng: lf you make only the minimum payment each period, you wi I pay more in interest and it will take you longer to pay off your balance. For example: lf you make no additional cha rq es usinq this card and each month you pay... New balance sl8,O22.7s O.ly the minlmum payment 31year(s) s49,592 Credit Limit Revolving Credit limit ncludes 53,90O cash advance lirnit s]B,00o S617 3 year(s) l Szz;tz l(Savings=S27.380) For information about credit counseling services, call 1'877.337-8147 AI\A E R CAN AIRLIN E5 AADVANIAGE'MILES D See page 3 for more lnformation about your rewards Your Account ls enrolled ln AutoPay, Minimum payment due New balance Plyment due date Amount enclosed: oo0000 Pw 0010 Account number ending in 5277 SHEILA J PATTERSON PO BOX 17413 FORT WORTH TX 76102-0S13 CITI CARDS PO AOX 78045 Phoenix, Az 85062'8045 8ate000026 AAdvantaqe@ Miles Reported to American Airlines: 55 You will pay otl the lAnd you wrll end up balance shown on thrs I payinq an estimated statement in about... I total of... 3292.75 s18,O22.7s 12122117 \ ;l Yrww.clticards,com SHEILA J PATTERSON Account Summary date date Description standard Purchares )yl9 !l?9 9t9tM!1t,t9l!!9itv]Ie99:11?l:: Balanc. Tr.n3ler-off.r lO (0.00096) !9t?l 19/1l ,sA! xll i!llLll.llllll!-91 Fees charged Date Description 11124 BALANCE IRANSFER FEE Custom.r s.rvlc. l'8Ae'766'ClTl(2484) rTY-hearing-impaired services only 1-800 325 2865 Page 2 ot 3 Amoun t AMERICAN AIRLIN E5 PADVANTAGE' MII.ES REPORTED: 55 Purchase s68.8e Accumulated This Month D Visit aa.com/aadvantage to 55 s54.94 redeem mlles, book fllghts and much more Arnerican Airlines reserves the right to change the AAdvantag@ program and lts termsand condltions at any tlme wlthout notlce, and to end the AAdvantagp program with six months notice. Any such chanqes mayaffect your abllity to use the awards or mlleage credits that you have accurr-lated.lJnless specified, AAdvantaqe miles earned through this promotion/offer do not count toward elite-status quallflcation or Million MilepM status. American Airllnes is not responslble for products or servlces offered by other participatinq companles. For complete det.lls about the AAdvantage program, vlslt www.aa.com/aadvantaqe Amerlcan Alrtines, AAdvanta9e and AAdvantage Million MIler are trademarks of Amerlcan Alrlines, lnc. sr3,500.o0 s405.oo sa6.93 Plym.nts, Cr.dlls !nd AdJustm.ntr 11122 AUTOPAYOOOOOOOOOOBOE43RAUTOPAY AUTO.PMT CA Amount ;;o;.oo Tolal fees charged ln thls bllllnq perlod Amount iii,i: St.24 Tot.l lnterest charged In thls bllllng perlod 2O17 totals year-to-date . . rolal t:e: chalse9 ln 29ll Total i.lterest charged in 2ol? sllol6:09 $1,r36.49 lnterest Charge Calculatlon Days in bit ing cycte:3o l9'_t.fIIv:l.l:l!!.ll!!:.!:l: !llllri lr..l!rv.?.lIl:r::1.lii: 9.1r9,'1.9!:9Y.ll:... ... ......... ......... Annual parcent!qa B!lanc. sublect B.hnc. typ. r.tc (APR) to lnt.r.st i!t. lnt.r..t ch.rg. is-ri;+ii: Standard Purch 18.99% (V) 579.58 (D) 51.24' cjii;;:o o ooc6 irl.65o.ooio) ;;.oo !q9lal99 I.*:l9f 191: !ICi.*.99191/1Pl 4DyAIcq!.............. ....... ... .. .. standard Adv 26.2496(y) 53.973.29 (D) 585.69 Your Annual Percentage Rate (APR) is the annual inlerest rate on yo!r account. APRs folloryed by (v) may vary. Balances tollowed by (D) are determined by the daily balance method (includlng current transactions). Account messages Your next AutoPay payment of 5292.75 will be deducted from your bank accounl on1212212017. Please note that the next AutoPay payment may be reduced if you have made additional payments or received any credits during the current billing cycle. Remember, any charges above your revolving credit limit MUST BE PAID lN FULL by your statement's payment due date. Each Balance Transfer is subject to a one'time transaction fee. The minimum payment due displayed on this statement includes your past due, the purch/adv minimum payment due, and transactions that exceed your revolving credit line. 8ate000027 rr ;r INTEREST CHARGED TO STANDARD ADV INTEREST CHARGED TO STANDARD PURCH lnterest charged Date D,ascriplion 1)!r_1 11124 www.citicards.com custom.r S.rvlce l-484.756-ClTl(2494) TTY.hearing impalred services on y 1 800 325 2865 Page 3 of 3 SHEILA J PATTE RSON Your account has an annual membership fee of S95.0O which will appear on your next billinq statement. Variable rates vary with the market based on the U.S. Prime Rate. The variable Penalty APR (which is based on your creditworthiness) may apply if you make a late payment or a payment that is returned. lf it is applied, it will stop applying to existing balances if you make the next six consecutive minimum payments when due. However, it may npply to new trJnsactrons rnde'initcly. See bJck'or important information. Transfer high'rate balances and save! lntere st and Fee lnformation . Use of the attached checks will constitute a charge against your credit ,lccount. Please see the back for important in'ormation about transferring balances. . You may transler any amount, including Balance Transfer fees, up to your available credit limit. . The checks must post to your account by O1l05/2O18, so don't wait! APR for Check Transactions Use by Date Fee Paying lnterest 0,O0O0/o (Promotional APR on transierred balances until 01lo1l2019.) Aiter 01/01/2019, any unpaid promotional balance from this offer will be charged the standard variable APR for purchases, currently 1B.99Oo/o. This APR will vary with the market based on the Prime rate. 'ne en.loiJa cnecii muii post t; y;;; ;;;;ir;i bi 01/05/2o18 for the promotional APR and balance transfer offer fee to apply. We may still honor these checks after that date, but you will not receive the promotional APR or balance transfer offer fee. lnstead, the standard variable llB lgf evr:li:g: yiLl ipplv- 9r-d lhers ryill -b-s t9 l:s: Sl0 or 5.00o/o of the amount of each transaction, whichever is greater, for this offer until 01/05/2018. We will begin charging interest on these checks on the date the transaction posts to your account. (The interest charqe will be S0 while the promotional APR is Oolo.) Bate00002B CITI' / AADVANTAGE' PLATINUM SELECT' CARD ci-ti AAdfihl5Ee\ SHEILA J PATTERSON Membe. Since 2015 Account number endirgir.5277 BilLing Period: 1U25^7 -12126117 www.clllcards.com Cuslomer Scrylcc l-aga-766-ClTl(2444) TiY hearing-impaired services only 1-800-325-2865 BOX 5062 SIOU X FALLS, SD 57117 DECEMBER STATEMENT Your next AutoPay payment ol SZ74.A2 will be deducted trom your bank account on 0112212018. Please note that the next AutoPay payment may be reduced if you have madc additional payments or received any credits during the current billing cycle. Mlnlmum payment due: New balance as ol 1?126117l Payment due date: s27 4.A2 517,975.76 01l22l1A Late Payment Warnlng: lf we do not receive your minimum payment by the date listed above. you may have to pay a late fee of up to S35 and your APRs may be lncreased up to the variable Penalty APR of 29.99ol0. Mlnlmum Plymrnt Warnlng:lf 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 exarnple: Account Summary Previous balance Payments Credits Purchases Cash advances Fees lnterest sl8,O22.75 -5292.7 s 's0.o0 +s54.94 +90.O0 +S95.O0 +995.82 lf you make no additional charges usinq this c ard and each month you pay... You will pay ofl the ba lan ce shown on this statement in about... And you will end up paylnq an estimated total ot... Only the mlnimum payment l3l year(s) sso,073 New balance 517,975.76 S623 1;""- s22,42A(savings=S27,645) Credit Llmit Revolving Credit limit lnc L.rdes 53,900 cash advance lmit n"uir ju" n"r"r"i"q ;;;;il sr8,000 *n AAAERICAN AIRLIN ES AADVANTAGE'MItES AAdvantage@ Miles Reported to American Airlines: 55 D See page 3 for more lnlormatlon about your rewards Your Account ls enrolled ln AutoPay. Minimum p.yment due New balance Paymcnt due date 327 4.A2 317,97s.7 6 01l22l1e Amount enclosed: 000000 Pw 00 A o Account number en ding in 5277 ctTt cAR0s PO BOX 74045 Phoenix, AZ 85062-4o45 for informatlon about credit counseling services, call 1 877'337'8187. ;r SHEILA J PATTERSON PO BOX 17413 FORT WORTH TX 76102-0813 Bate00002g Prym.nt., C..dlt! and Adrultm.nts 12122 AUTOPAY00000o000080843RAUTOPAY AUTO-PMI wtvw.citlcards.com SHEI LA J PATTERSON Account Summary Trans date Post date Descrlptlon standard Purch.iai 1211A ,l2l.,a 6RC'MEANlNGFUL BEAUTY AOO2419]55 Fees charged Date Descrlption 2139 *evginglr'llt 9l9li l9Y 19 SEE REVERSE FOR MORE RENEWAL INFORMATION Custom.r S.rvlcc l'a8a'766'ClTl(2484) TTY-hearing impaired services only 1-800 325 2855 Page 2 of 2 Amo! nt AMERICAN AIRLIN ES AADVANTAGE! MII-ES REPORTED: 55 Pu rchase 55 s292.15 S54.94 Accumulat.d This Month 55 )) Vlslt aa.com/aadvantage to redeem mlles, book tllghts and much more Amerlcan Alrlines reserves the right to change the AAdvantage@ program and its termsand conditions at any tlme without notlce, and to end the AAdvantageo prograrn with slx months notice. Any such changes mayaffect your ablllty to use the awards or mileage credits thal you have a(cumulated. Unless specified, AAdvantaqe miles earned thro!gh this promotion/offer do not count toward elite- status quallfication or Million NlllepM status. American Airlines is not responsible for prod!cts or services offered by other participating companles. For.omplete details about the AAdvantage p.ogram, vlsit www.aa.com/aadvantage American Al.lines, AAdvantage and AAdvantage Million Miler are trademarks of Amerlcan Alrlines, lnc. s9s.00 s 9s.oo $ 9s.a 2 lnterest charged -?:l: ?_"::l!lt:t . t2!26 ll.IIBl:I9IllgiD- fg :f^^;l..r liy 12126 INTEREST CHAR6ED TO STANDARO PURCH Amount iii,jr s2.45 Total lnter€st chrrged ln thls bllllng perlod 2O17 totals year-to-date Total fees charged in 2ol7 Total interest charged in 2Ol7 slll':99 sr,232.31 lnterest charge calculation oays in biltins cycte:32 Igv.r frvil l:l::rl:9:.1:l: llli)r:119.:Ty9llrl:f9:l t!:.91.1e.,.r 1!i9Lll: . . . . Annurl p.rc.ntrqa Balrnco sublact Bal.nca type rrt. (APR) to lnt.r.st rat. lntaaast charg. ?.UBi|Aiiq,,,,,,, Standard Purch e.24% (V) 5145.35 (D) 52.45o;i;;:ii ooos6 ir:,ezo.aoiDi aii.ito ...1991i19: 1.*:19t !."-l: lICi.*.9,91911-19).. a D.v..4 flc t L... .... ....... . . . standard Adv 26.49 (v) S4,o19.96(D) 593.37 Your Ann!al Percentage Rate (APR) is the annua interest rate on your account. APRs followed by (V) may vary. Balances followed by (0) are determined by the daily balance method (including current transactions). Account messages Remember, any charqes above your revolving credit limit MUST BE PAID lN FULL by your statement's payment due date. lf we need to contact you about your account, our records show your phone number(s) as 817-850-8235 (work), 817'A75'0557 (mobile). lf this information isn't correct or you wish to add a number, please call the customer service number on the back of your card or update it online at www.citicards.com. 8ate000030 Tot.l l€es ch.rqed ln thls billlhq perlod CITI' / AADVANTAGE" PLATINUM SELECT' CARD crtr ^dlb/rHlE \ Mdvantage \ SHEILA J PATTERSON Member Since 2015 Account number endi^9 1 5211 Bltting P et i o|t2 I 27 I 17. Ol I 24 lB wYvw.cltlcards.com Customer Serylcc l-AEA-766-ClTl(2484) TTY-hearing-impaired services only 1-800 325-2855 BOX 6062 S|oUX FALLS. SD 5717 JANUARY STATEMENT Your next AutoPay payment ot $266.OO will be deducted lrom your bank account on OZl22l2O18. Please note that the next AutoPay payment may be reduced i'you have made additional payments or rcceived any credits during the current billing cycle. Mlnlmum payment due: New balance as ol 01124/181 Payment due date: s256.0O s17,789.ss ozl22l1A Lat. Paym.nt Warnlng: lf we do not receive your minimum payment by the date listed above. you may have to pay a late fee of up to 535 and your APRs may be increased up to the variable Penalty APR of 29.99%. Mlnlmum Payment Warnlnq:lf you make only the minimum payment each period, you will pay more in interest and it will take you onger to pay off your balance. For example: Account Summary Previous balance Payments credits Purchases Cash advances Fees lnterest s17,975.76 -s214.A2 -so.00 +So.oo *So.oo +So.oo +988.61 You will pay off the ba lan ce shown on this statement in about... And you will end up payino an estimated total of... s49,785 New balance s17,789.ss 5622 J yea(s) I s22,3e2 l(savlnqs=527,393) Credit Limit Revolving Credit limit lncludes 53,900 cash advance iimit A;;;bi; R;;;i;i;; li"Jil For inrormatlon about credit counsellng services, call l_877-337-8187 s18,000 Srio AAAERICAN AIR L NE5 AADVAN-iAGE'MILES AAdvantage@ Miles Reported to American Airlines: o D See page 3 for more information about your rervards Your Account ls enrolled ln AutoPay. Minimum payment due New bclance Payment due date s265.OO s17,789.ss o2122118 Amount enclosed: 000000 PW 00 A 0 Account number ending in 5277 SHEILA J PATTERSON PO 80X 17413 FORT WORTH TX 751O2-OAI3 CITI CARDS PO BOX 7AO45 Phoenix, AZ 85062-8O45 8ate000031 lf you make no additional cha rg es using this c ard and each month you pay... Only the mlnimum payment l3l year(s) L \ www.clticards.com SHEILA J PATTERSON Custom.r ScNlce l.EgE-765.ClTl(2484) TTY.hearing impaired services only 1 800 325 2865 Page 2 al 2 Account Summary date date Description Plym.nts, Cradltr .nd Adlustm.nts 01122 AUTOPAY0000000000ao843RAUTOPAY AUTO-PMT Fees charged AMERICAN AIRLINES AADVANTAGE' MILES REPORTED. lntefest chafge calculatlon Days in bi ing cycte:29 Your Annoal P.rc.ntagr Rata (APR)ls the ann!alinterest rate on your account. Ahnurl parcant!g! Bal!nca subract P!.!:t:: !Ip: . ,"t:11.?Bl .l9lli:t"-:! t:l: PUR9iAlq9. .. ... Standard Purch B.Z4% (v) S279.Oj (D) ilii;;;i, o.oox sr:,'o:.o,,oi !q9lll99 lf 9l:i.9f.!119 -Erpi'* 9_9/9lll9) AqY4lqq-s........ standard Adv 26.499b (y) S4,0o7.53 (D) Account messages Remember, any charges above your revolving credit limit MUST BE PAID lN FULL by your statement's payment due date. Your Ann!al Percentaqe Rate (APR) is the annualinterest rate on your account. APRS followed by (V) may vary. Balances followed by (D) are determined by the daily balance method (including current transactions). o D Vlslt aa.com/aadvantage to redeem mlles, book f llgms and much more American Airllnes reserves the riqht to change the AAdvantage@ program and its termsand conditlons at any tlme without notlce, and lo end the AAdvantagp proqram with slx months notice. Any such changes mayaffect your abllity to use the awards or mileaqe c-edlts that you have acc-mulated. Urless specified, AAdvantage mlles earned through thTs promotlon/offer do not count toward elite-status qualification or Mllllon MilepM status. American Airlines Is not responsible lor products or servlces oflered by othea particlpating companles. Forcomplete details about the AAdvantaqe program, vlsit www.aa.com/aadvantage American Alrlines, AAdvantage and AAdvantage Million Mller are trademarks of American Alrlines, lnc. 8ate000032 Amoun t -52t 4.a2 Total tees chlrqed ln thls blllinq perlod lnterest charged Date DescrlptTon i1t,a iiiiitr-iiir,riiii"iiarir-sriy 01124 INTEREST CHARGED TO STANDARD PURCH so.oo Amount Sei i! 34.26 Total Interest charqed In thls bllllng perlod s a8.6 r 2Olg totals year-to-date Igla! rees chalg:d ln 2ol8 Total interest charged in 2ol8 i9:99 s88.51 lll!.r::l !lr:r1: ,,,,.,. .''.' it.,; s0.00 a;;:; t CITI' / AADVANTAGE" PLATINUM SELECT' CARD citi aadisfitHfie\ SHEILA J PATTERSON Member Since 2015 Account number eno ing in:5217 Bllling Period: Oll25Ie.OZl26fiA wwYv.cltlcards.com Cqstomcr Servlcc t-aAa-766-ClTl(2444) TTY-hearing-impaired services only l-800-325-2A65 BOX 6052 S|OUX FALLS, SD 57X7 Your next AutoPay paymcnt of S276.71 will be deducted from your bank account on 03l22l2ol8. Please note that the next AutoPay payment may be reduced if you have made additional payments or received any credits during the current billing cycle. Mlnlmum payment due: New balance as ol o2/26/1al Payment due date: $276.71 s17,624.26 o3/zz/18 Lltc Paymcnt Warnlng: lf we do not receive your minimum payment by the date listed above, you may have to pay a late fee oF up to S35 and your APRS may be increased up to the variable Penalty APR ol 29,99Va. Mlnlmum Payment Warnlng! lf 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: Account Summary Previous balance Payments Credits Purchases Cash advances Fees lnterest s]7,789.55 -s266.OO -so.oo +SO.00 +SO.OO +s0.o0 +S100.71 lf vou make no addltional ch'arqes usinq thiS ca rd and each month you pay... pay off the And you wlllend up shown on this payinq an estimatec, nt ln about... total of... only the mlnlmum payment l:o year(s) 549,541 New balance 117,624.26 5622 3 year(s) =527,149) Credlt Llmlt Revolving Credit limit lncludes S3,90O cash advance llmit arJiiioi" nt""tri"q ;;;dif sl8,OOO s175 For inlormation about credit counseling services, call 1.877-337-8147 AMERICAN AIRLIN E5 AADVANTAGE" MILES AAdvantage@ Miles Reported to American Airlines: o D See page 3 tor more information about your rewards Your Account ls enrolled ln AutoPay. Minimum payment due New brlance Payment due date 5276.71 517,624.26 03/22/18 Amount enclosed: 000000 Pw 0o A o Account number ending in 5277 SHEILA J PATTERSON PO BOX l7at3 FORT WORTH TX 76102-0813 CITI CARDS PO BOX 78045 Phoenix, AZ 85052'8045 FEBRUARY STATEMENT \ www.cltlcards.com SHEILA J PATTERSON Custom.r Servlce l.AAa-766-Cl Tl(2/l84) TTY-hearing-i.npaireC services only 1-BOO-325-2865 Paee 2 al 2 Account Summary Trans. Post date date oescription Plymentsr Credlts lnd Ad,lustmrntg 02l22 AUrOPAY000000000080843RAUTOPAY AUTGPMT Fees charged lnterest Charge Calculatlon Days in biflins cycte:33 Ig:tf!lv9!l:t9:lli.q!!.1!tlll-llt:.tPirvilill9t9tlti.!99r1Ia.c!.111: .... . Annu.l percont!q. Bal!nce subJact Brlance type rat. (APR) to lnterest rrte lnterest chuqe PURC iAS E S standard Purch 19.24% (V) s280.74 (D) s4.88 oiiei io o.oo; iresio.os iii ao.oo .. !9i!arg Iflt:l9j l9!9 q,p1f9:99r91/l8l ADVANCES Standard Adv 26.49% (V) S4,00r.22 (D) S9s.a3 Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRS followed by (V) may vary. Balances followed by (D) are determined by the daily balance method (including current transactions). Account messages Remember, any charges above your revolving credit limit MUST BE PAID lN FULL by your statement's payment due date. AMERICAN AIRLIN ES AADVANTAGE' MILES REPORTED: o D Vlslt aa.com/aadvantage to redeem mlles, book fllghts and much more American Airlines reserves the right to change the AAdvantage@ program and lts terms and conditlons at any time wlthout notlce, and to end the AAdvantage@ program wlth slx months notlce. Any such changes may aftect your ability to use the awards or mlleaqe c.edits that you have accumulated. tJl.less specified, AAdvantage mlles earned through this promotion/offer do not count toward elite- status quallflcatlon or Mllllon MIIersM status. Amerlcan Airlhes is not responsible for products or services offered by other participating companles. For complete detalls about the AAdvantaqe proqram, vlsit www.aa.com/aadvantage American Airlines, AAdvantage and AAdvantage Mllllon Mller are trademarks of American Airlines, lnc. 8ate000034 Am ount -5266.oo Total t€es charqed ln thls billlnq perlod so.oo Amount aG;i ii.ee Total lnterest charged In thls bllllng perlod 2O18 totals year-to-date .. rgtar f:e.s. cl9l9e9 in ?ot8 Total interest charged in 2Ol8 i9:o9 sr89.32 rl ,adv-riare - ,:r lnterest charged Date Des.ription sroo.Tr ?!?9 a2/26 INTEREST CHARGED TO STANDARO ADV INTEREST CHARGED TO STANDARD PURCH ci'ti \ tCITI" / AADVANTAGE' PLATINUM SELECT' CARD AAdvantage SHEILA J PATTERSON Member Since 2015 Account number endirgiat5217 Billing Period:02127 ll8-O3 12611g www.cltlcards.com Customer S.rvlce l-aAA-765-ClTl(2444) TTY-hearing-impaired services only 1-800-325.2855 BOX 6062 SrOUX FALLS, SD 57117 MARCH STATEMENT Account Summary Previous balance Payments Credits Purchases Cash advances Fees lnterest s17 ,624.26 '527 6.11 -so.0o +5O.0O +gO.OO +s0.00 +585.45 Minlmum payment due: New balance as ol O3126/1a:. Payment due date: S26l.oo s17,433.OO o4122/18 Lat. Payment Warnlng: lf we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to 535 and your APRs may be increased up to the variable Penalty APR of 29.99olo. Mlnlmum Paym.nt Wlrnlng:lf you make on y the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: New balance sl7,433.OO lf you make no additional charqes using th is card and each month you pay... You will pay off the balance shown on this statement in about... And you will end up Dayinq an estimated totalof... Credit Limlt Revolving Credit limit ll:l!99: il:?9! 99:l9d?1!"- !Tll Available Revolving credit srS,ooo Si6i Only the minlmum payment 3O year(s) l54e,zs4 5b22 3 year(s) s22,392 (Savings=S26,862) For lnformation about credit counseling services, call l-877-337-8187 AAAER CAN AIRLIN ES AADVAN'iAGE'/\A]LES AAdvantage@ Miles Reported to American Airlines: o ) See page 3 for more lnformation about your rewards Please printAddress Changeson the reverse side Pay your bill trom vlrtually anywhere wlth the Citi Mobile' App and Citl' Online Minimum payment due New balance Payment due drte s261.OO s17,433.OO o4122118@ Te-(!'App15' to Mycltl (692494)or 9o to your devlce's app store. Or vlslt wwu.cltlcards.aom Amount enclosed: 000000 Pw 0o A 0 Account number endinq in 5277 SHEILA J PATTERSON PO 80X 17813 FORT WORTH TX 76102-0413 CITI CARDS PO 80X 78045 Phoenlx, AZ 85062'8o45 8ate000035 r5000 00ab100 17q3300 0De?h00 05qhhi,b033?qi5e?? l,8r? www.clllcalds.com SHEILA J PATTERSON Cuslom.r Serylc. l-EAA-766-ClTl(2484) lTv'hearing-impaired services only 1-800'325'2465 Page 2 ol ? Account Summary TTans. Post date date Description AMERICAN AIRLIN ES AADVANTAGE' MITES REPORTE D: Paym.nts, Cr.dlts rnd Ad)ustm.nts 03/22 AUTOPAY 000000000080a43RAUTOPAY AUTO.PMI -527 6.71 o D Vlslt aa.com/aadvantage to Fees c harged redeem mlles, book lllqhts and much more Amerlcan Airllnes reserves the right to change the AAdvantag@ program and its termsand conditions at any tlme wlthout notlce, and to end the AAdvantaqp proqram with six months notlce. Any such chanqes mayaffect your abllity to use the awards or mlleaqe credits that you have aacumulated. Unless specified, AAdvantage mlles earned through this promotion/offer do not count toward elite- status qualiflcation or Milllon MileFM status. American Airllnes ls not responslble for products or services offered by other particlpatlng companies. For complete details about the AAdvantage program, visit www.aa.com/aadvantaqe Amerlcan Airlines, AAdvantage and AAdvantage Milllon Mller are trademarks ol Amerlcan Airlines, lnc. Total lees ch.rq.d ln thls bllllnq perlod So.oo lnterest charged Date Description oirzi r'iiriii: iHnncio io s;nrbrno nov A3126 INTEREST CHARGED TO STANDARD PURCH s85.45 2O18 totals year-to-date r.1"r I:"1 "l:l!:9 il 2.ol-9 Total interest charged in 2Ol8 so:o9 527 4.77 lnt ere st charge calc ulation Days in billing cycle:28 I9!.r.f.lrr!l l:Jr:11:9:.1_"J:.1f.llll:.lli..iTy9l.lll9f9:l ril:.9r r*..r..-!!9Lrl Annu!l parcant!qe Bal!nca !ublact B.l!nc. typ. ..tc (APR) to lnt.rert r.t. ir,-ii,1riii Standard Purch 8.24 (V) 5280.77 (D) o{rer ro o.oos6 iri.jiq r:ioi .. i99l1l99 It".l:l9f l."l: lMfgJ 99191119i 4qY.4Nqt9.. . .. .. standard Adv 26.49 (y) S4,ool.18 (D) lnterest charg e 54.r4 Your Annual Percentage Rate (APR) is the ann ual interest rate on your account. APRs followed by (v) may vary. Balances followed by (D) are determlned by the daily balance method (including current transactions). Account messages Remember, any charges above your revolving credit limit MUST BE PAID lN FULL by your statement's payment due date. 8ate000036 !81:ll 54.14 Total lnterest charged ln thls bllllng perlod S8r.3l So.oo lAdE@- t CITI'/ AADVANTAGE' PLATINUM SELECT'' CARD ci-ti aad#ffifie\ SHEILA J PATTERSON Member Since 2015 Account number ending in:5277 Bllling Pe.iod:O3/27 lB-O4125 l1A v{vrw.cltlcards.com Custome. Servlce l-aAA-766-ClTl(2444) TTY-hearing-impaired services only 1'800-325-2465 BOX 6062 SIOUX FALLS, SD 57117 Your account ls past due. Please pay at least the minimum payment due, which includes a past due amount of 5261.0O. APRIL STATEMENT s522.OO s17,440.O3 05l22l1A Account Summary Previous balance Payments Credits Purahases Cash advances Fees lnterest sr7,433.00 '50.o0 -So.oo +97.O3 +S0.O0 +g0.OO +s0.o0 Late Payment Warnlngi lf we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to S35 and your APRs may be increased up to the variable Penalty APR of 29.994/0. Mlnlmum Paymcnt Warnlng:lf you make only the minimum payment each period, you ,{ill pay more in interest and it wil take you longer to pay off your balance. For exa.iple: You wrll pay off the And you will end up balance shown on this payinq an estimated statEment ln ehout--- I lotal of-.. I Ner{ balance sr7,44O.O3 Only the minimum payment 130 year(s) 538,034 Credit Limit Revolvinq Credit limit lncludes 53,900 cash advance limit slB,OOO ss36 3 yeals) s19,296 _Isavings=Sr8.738) For lnformation about credlt counseling se.vlces, call 1.877 337 8188. Pay your blll from vlrtually anywhere wIth the Cltl Moblld App.nd Cltl Onllne Minimum payment due New balance Paymlnt due date 5522.OO s17,44O.O3 osl22l1A@ Text'Appl5' to Mycltl (592444)or 9o to your devlce's app store. Or vislt www.cltlcardr.com Amount enclosed: 000000 PW 34 A o Account number ending in 5277 SHEILA J PATTERSON ATTNY ACCOU N T.CODE= XXX XX FORT WORTH TX 76102 CITI CARDS PO 80X 7804s Phoenlr, AZ 85062'8045 Bale0O0037 15000 005aa00 r?rrq003 00a?h00 05rrhhrL0l3?q15477 1612 Mlnlmum payment due: New balance as ol 04/25118: Payment due date: lI you make no additional charges using this card and each month you pay... www.citicards.com SHEILA J PATTERSON Customer Servlce l-8EA-766-ClTl(2444) TfY-hearing impaired services only 1'800 325'2855 Page 2 of 2 s7 03 So.oo so.oo Account Summary TTans. Post date date Description Standard Purchaies 9119? 9-119: 9r1r!! ?9!!9!9!9 Fees charged FORT WORTH TX Total fees charged ln this bllllng period lnterest charged Total interest charged ln this bllling p€rlod 2Ol8 totals year-to-date fota! lges chalg:9 i" 3919 Total interest cha.ged i. 2ol8 io:99 3274.77 lnterest Charge Calculation Days in bi ins cycle:3o I:{.fTr:l.l:.1::Ii!.:.1"_!:1ff.l1r:.ll99l}.:'|rl:f::!t9!!9!r99r.9!r9!il:... .. . Annual perc.ntaqa B.l!ncc sublect P:l:l:: lyp: .1.11: lAPRl t9 !ll:1::! .1:19. lt!.last !l':t!: PURCHASES Standard Purch 19.49% (V) ii; i;;di;;iii, - o.oo; 1P9l9r99 1r9r:1:f ilJ: !r!i.* 99191/191 4C.v..4\9.q9...... ... .. . Standard Adv 26.74 1V) -i9:99-i9l so.oo (D) 5o.oo (D) i9:9-9 so.o0 io.oo Your Annuai Percentage Rate (APR) is the annual lnterest rate on yo!r account. APRs followed by (v) may vary. Ba ances lollowed by (D) are determined by the dal y balance method (incl!ding cLJrrent transactions). Account messages Please note that if t,e received your pay by phone or online payment between 5 p.m. ET and midnight ET on the last day of your billing period, your payment will not be reflected until your next statement. 8a1e000038 Plea5e Reolv To: P.O. Box 109032 ChicaSo, lL 60610 P:877.285.4918 F:818.888.1260 www.mandarichlaw.com You may also contact us via email at INFO@MANDARICHLAW.COM lan\rary 21, 2021 MANDARICH LAW GROUP, LLP Attorneys ot Low THIS LAW FIRM EMPTOYS ONE OR MORE ATTORNEYS ADMITTED TO PRACTICE IN THE FOTTOWING STATES: Alaska, California, District of Columbia, Florida, Georgia, ldaho, lllinois, lowa, Kansas, Michitan, Missouri, Nebraska, Nevada, New York, North Carolina, Ohio, Oreton, South Carolina, Virtinia, WashinSton OF COUNSEI- Thomas M. McGreal (CA, Hl) Crystal Flynn (UT) Sheila J Patterson P.O BOX I 74,1 CILROY CA 9502I SL\tlt)rrknt of Ll .\l f'L .\ D l.\G LI-C, .1&r #.1296-2 6 os:'ignat of Citirrnl, .\..1. .J.(1 # .\:\:\:Y-t\-,\:{-Y.\.\:\-t? -- t-t',\'t' t unlins !,LC v. Sheih J Pattcrson ('tsc .\i'. 20Cl 37389', S.l.\T l ('1...1R..l This office has been retained by L\Nv FUNDING LLC. in connection with your above-referenced account and pending lausuit. Pursuant to your discussions with our office. we have proposed the following settlement terms as set fonh in the enclosed Stipulation for Entry ofJudgment Upon Default. To accept these terms. you must provide our office with the following two items: The si ned Setllcment recrnent and Sti ulation for [nt ol Jud nr t:pon l)ct:tuit lllffidlil on or bclirrc .lanuarv I I. l0l I lnd lll!' 2. Your payments as agreed upon and set fonh in the Settlement Agreement pt.t-,\sE ItE ,\DYISUD 1tl.\l \',Ot R St R] SSIO\ OF P,\\'\t[\1' \\ It ltOL:l REI'[ R\l\G TIIE SI(;\EI) Sl,ll.l LU}IEN'I ,\CltllEllU\l I)OES NO I RESIiLT IN ,\,\.- AGRU.ENIUNT l]l:1'\\'llEN YOU ,\ND t.\'N\' IundiDs Lt-(. l't R-fllUR. l.\'\\'Iundins l-L( \\'lt-1. DEPOSI1 S.\l D PA\'\lE\1. -{\ D .\PPL}- l t \DS TO\\'ARDS TII U OT]'I'S'I'A\DIN(; B.\I,A\CT] O\\'T]D ON -TIII] ARovE-REFi]RENCED .\CCOTJN'T. SUB}IISSION OI. BOTII TIII] sl(;\EI) sETl t.EltE\T ,\CREUltE\] -\\l) P.\\'\tE\T PUR TllE TErrlrs lS RfQt IRUD TO CO\Sl'lTt',1 E -\\ _.\(;RUE\lUN',t- BE't \\',EEN t',OURSELt-ANI) l-\',Nv Fundins l_t.C. lfyou are setling up post-dated checks with our office, we request that you ask your banking institution to notate your account to reflect that LVNV Funding LLC is approved by you to conduct a payment transaction on your bank account. If we do not receive both items within the timeframe stated above, we will proceed with the litigation against you. Very truly yours, Christopher D. Mandarich, Esq. David C. McGaffey, Esq. Amber Swearingen-Ojuri. Esq. Hayk Stambultsyan, Esq. Enclosurc: Stipulation for Entry ofJudgment Upon Delbult 8ate000039 oturc/s on laslnol document with lntial on 3 and R L,: THIS CONIIIUNICATION IS FROII A DEB] COt,l,EC'l'OR :\ND IS AN ATTE\IPT TO COI,LECT A DEBT. ALl, I\FOR\IA'T10\ OB,T.\I\ED \\'II,L BE LSI]I) FOR TH.,\T PURPOST]. AI,I- CALLS ARE UO\.I.I.ORIiD .,l\D/OR RECORDEI) I-OR CONI PLIANCE PURPOSES. 3 5 1 8 10 t2 t3 14 15 16 t'7 18 19 2A 21 23 24 25 26 21 28 1296726 Christopher D. Mandarich SB 220693 Hayk Stambultsyan SB320973 Amber Swearingen-Ojuri SB324653 David C. McGaltey SB3 15632 MANDARICH LAW GROUP, LLP P.O. Box l09032Chicago, IL 60610 Phone: 877.285.4918 Facsimile: 818.888. 1260 Attorneys.fin' P lti nti/l' L\tlY FUNDING LLC LYNV FUir-Dl\G LLC. PLAINTIFF. SI,]PERIOR ('OL'RT OT- ]'HE ST,{'IE OF CALIFOIINIA cASE NO. 20C\'373897 SETI'LEI\IENT AGRET-N'I ENT -{ND S'tIPTJLAI'ION FOR ENTRY OF JUDGNIENT UPON DEFAULTShcil:r J Pattcrson. Dcfendant. Plaintifl, LVNV FUNDINC LLC ("Plaintifl'), and Del'endant, Sheila J Patterson ("Del'endant'). hereby stipulate: L Plaintiff and Defendant enter into this Settlement Agreement and Stipulation for Entry of Judgment Upon Defauh to resolve all causes of action for the above-entitled case and agree that this matter shall be conditionally dismissed pending receipt of Defendant's payments; that such dismissal shall take all court hearings off calendar; that the Court shall reserve jurisdiction under Code of Civil Procedure $664.6, to order entry ofjudgment fbr full amount demanded by plaintif'f in this lawsuit, without notice of hearing, upon Plaintiff showing a default hereunder by Defendant)l and that upon Del'endant's' satisfaction olthe payment plan terms set lorth herein, Plaintiffshall promptly dismiss the pending ("Action") with prejudice. 2. Defendant agrees to pay a total ol$14,242.00. Payments will be made in the lollowing: [ ili ili l] iltffililtiililfl t]il Iil sltP( l.{llo\ ljott I:\lR\'-r . l 4296726 8ate000041 (]OUNTY OT- SA\TA CI,AR.\ I 3 5 I ! 10 t1 14 1l 18 19 2t 24 25 28 2a 1 A. Monthly Payments of 5238.00 beginning on or before February 20,2021 and continuing on or before the same day of the month each month until $14,242.00 is paid in full. All payments shall be made payable to LVNV Funding LLC and received in our office located at P.O. Box 109032 Chicago, IL 60610 . 3. Each payment shall be credited against the Account balance of $17,433.00 which Defendant acknorvledges that he/she owes L\NV Funding LLC and that is the subject of this agreement. Further, said balance is not inclusive of any applicable interest and/or attomeys fees. If Defendant makes full and timely payment ofeach installment as stated above, the debt will be considercd settled in full. If any installmenl payment is not received by L\DIV Funding LLC's attomeys u'ithin five days ofthe day it is due, or ifany paymenl is dishonored for any reason, the Defendant rvill be in default under this agreement. In the event ofany default, the enlire remaining balance rvithout discount (after crediting all payments made under this agreement against the currenl balance) rvill be immcdiately due and payable in l'ull, and LVNV Funding LLC shall be cnlitled to judgment pursuant to Code ol Civil Procedure "s664.6 for such balance on ex parte application, or if required by the court, a regular noticed motion with said amount bearing a reasonable relationship to plaintills actual damages in the event Del'endant fails to pay as staled herc'in plus attorney's fec.s and court costs associated uith preparation of this lawsuit. this stipulation and efforts to obtain judgment. 4. A Default shall occur if(l) Defendant f'ail(s) to pay any installments as required by this Stipulation; and/or (2) Def'endant is adjudicated as bankrupt, seek(s) relief under the bankruptcy laws of any jurisdiction or ente(s) into any arrangemenl or plan with creditors. 5. PlaintifTrepresents that it is the owner ofthe Account that is subject to this lawsuit and agrees that it will never transfer, assign, sell, hypothecate, renumber. or convey the Account and will acknowledge that the Account has been satisfied. 6. Defendant, his/her agents and representatives agree to lorever release and discharge LVNV Funding LLC, Mandarich Larv Group, LLP, their representatives, parent company. affiliates, members, managers, shareholders, predecessors, atlomeys, and authorized agents, from 429672( Bale00004i STIPULATION FOR ENTRY -: OI' 6 any and all rights, claims. demands and damages of any kind, known or unknown existing ol arising in the future, resulting from or related in any way to this Account(s) of the Action. 7. Plaintiff, its agents and representatives agree to forever release and discharge Deltndant, and successors and assigns, from any and all rights. claims, demands and damages of any kind, knorvn or unknown existing or arising in the future, resulting from or related in any way to this Account or the Action. 8. Waiver under Section I 542 of the Califomia Civil Code. With respect to the Released Claims only. the Parties hereto expressly waive any and all rights under Section 1542 ol theCivil Code of the State of Califomia and any similar provision in any other j urisdiction. Sectior ,a 10 1542 provides as follows: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES nvOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE. WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR." 13 14 15 16 11 18 19 20 27 22 23 24 26 21 2A 429672(. Bate00004: Dct'endant's Initials SIIPULATION FOR ENTR\'.3 OF 6 T 3 5 I1 15 16 18 19 20 21 22 23 24 26 :8 STIPULATION FOR ENTRY -1 ')F 6 4296726 8a1e000044 9. If Defendant fail(s) to pay any installments as required by this Stipulation, or Delendant otherwise delault(s) under this settlement agreement, PlaintitT may immediately, and without prior notice to Defendant, file a declaration regarding such nonpayment under this Stipulation and obtain judgment as set forth above. The parties further agree and acknowledge that the amount as rcf'erenced in section 3 bears a reasonable relationship to the Plaintiff-s actual damages in this matter, and that the agreed upon setllement amounl is conditioned upon the Defendant's f'ull and timely payment pursuant to section 2 of this agreement. Moreover, this Stipulation does not constitute an admission or waiver by PlaintifTas to the full amount demanded in this subject larvsuit. The parties agrce and acknowledge that Plaintillneed not make any court appearances to obtain saidjudgmentl and that Plaintifimay execute on the Judgment immediately upon entry. 10. That any failure to enter Judgmenl upon Defendant's failure to perform as stipulated shall not constitute a rvaiver of PlaintiU's right to enlbrce the provisions of this Stipulation, and PlaintifT may enler a Judgment upon any subsequent failure Io perform by Defendant. I l. Defendant waive(s) any and all rights to a trial by coun orjury; to notice, hearing. and/or the opportunity 1o conlest or present evidencei to findings of l'act and/or conclusion of Iaw; to appeal, to seek to nullily, to seek statutory or equitable relief or excuse from or otherwise challenge any provision of this Stipulation and anyjudgment or other court order sought, obtained, entered and/or enforced in any way related thereto. including, but not limited to, any motion addressed to the Court pursuant to Code of Civil Procedure Section 473, or any olher provision ol law, equity, or other asserted power of the Court; to assert any argument or reason or excuse for non-pcrformance; and to assert partial or substantial performance in lieu of exact performance. 12. In the event thal any ofthe provisions of this Stipulation or any portion thereof is held by a coun of competent jurisdiction to be unenforceable and invalid, the validity and enforceability of the enforceable portion of any such provision and of the remaining provisions shall not be adversely at'fected. L 2 3 4 6 '7 8 9 IO 11 t2 13 1.4 15 16 71 18 19 20 2l 22 23 24 25 26 21 28 13. California lax requires the issuance ofa receipt or nronthly statement ("Statement") for each paymenl that the Defendant makes under this Agreement within 30 days ofreceipt thereof, and a final statement ("Final Statement") after receipt of payment in full or as full and final compromise oiany debt. The remaining balance owing under this agreement as ofthe time ofeach Statement, rvithin the meaning of Code of Civil Procedure section 1788.54, is equal to: a) the balance as shorvn in LVNV Funding LLC's s1'stems of record, u'hich may include cosls as they are incurred. minus b) payments made under this Agreement. The Statement and Final Statemenl shall be sent directly to the Defendant. Del'endant and his/her attomey stipulate that neither the Statemcnt nor the Final Statcment constitute "cornmunication in connection rvith debt collection ' lrithin the nreaning of the Federal Fair Debt Collection Practices Act. or "communications regarding the consumer debf'r'ithin the nreaning ofthe Rosenthal Fair Debt Collection Practices Act. and they expressly warrant and covenant that Defendant rvill not ever take a contrary position. By signing this agreement. Def'endant and Defendant's counsel consenl to the transmission ol Starements and Final Statements directly to the Defendant, lor the purposes of Califomia Civil Code section 1788.4 and all applicable state and Federal debt collection and consumer protection laws. 4296726 Bate00004: SIIPULATION FOR ENTRY.5 OF 6 1 2 3 4 5 6 1 8 9 10 11 12 13 t4 15 16 17 18 19 20 2L 22 23 24 25 26 2'l 14. The panies hereto agree and acknorvledge that lacsimile copies and/or signature counterparts shall together constitute the original Stipulation. Datctl: Sheila.l Patterson Dated: 0l/2 11202 I By LVNV FUNDING LLC Plaintill s Counsel Dated: 0l i 2 l/2021 Christopher D. Mandarich, Esq. David C. McGaffey, Esq. Amber Swearingen-Ojuri. Esq. Hayk Stambultsyan, Esq. Attornels lbr Plainti/l Datcd By, Attomey fbr Delbndant 4296726 BateOOO046 STIPTILATIO),1 FOR ENTRY -6 cF 6 APPROVED AS TO FORM AND CONTENT. From: Sent: To: Subject: trtr9tr From: aavila @fclawoffice.com Cc: nBabra @fclawoffl ce.com Subiect: LVNV Funding LLC vs Sheila J Patterson, an individual; and DOES 1 through 10 inclusive - Santa Clara - 20cv373897 Hello Clristophcr, Noha Gabra hasjust been retained on the above entitled case and is unclear when service was effectuated. Will your office gmnt an extension of time to respond to the lawsuit up to and including M arch 4,2021? Also, it would be greatly appreciated ifyou could please forward a copy of the summo11s, complaint, and proof of service at your earliest convenience. Sincerely, Angelina Avila Legel Assistant al Fitzgerald & Campbel , APLC A 400 N. Tustin Ave., Ste. 401 Santa Ana Ca. 92705 P (Ess) 70ej57€g F (8s5) 672-s019 E aavi aOfclawo ffice.com Chris Mandarich Tuesday, February 2, 2021 2:14 PM lnfo FW: LVNV Funding LLC vs Sheila J Patterson, an individual; and DOES 'l through 1O inclusive - Santa Clara - 20CV373897 W httos i //debtororotectors.com Direct Line (657) 224-1280 llltilililililfl ItililtilililililIililliltiltflilililtilflil 11548002845 ffiFrrzcEnei-o&CeupBELL A PRorLssro..'.AL L A$' CoRpoR Tto! CONFIDEi\iTlAL A.\_D IrI{lvlLEGED CO\{I.IUNICA fIO\.- - The informrtion conlained in rhis lra fihsion muy cootrio prililcged and .onfid.nlinl inlinmdion. ll is inreoded onl! lbr rltc usc ol rhe pcrsonG) nrmcd obovc. Ifyou are nor thc i ef crt rc.ipigrl. r-ou sre hereb),notificd 1 8ale000047 Christian Marquez fi1 67a{ Your anticipated cooperation is greatly appreciated. We look forward to working with you toward an amicable resolution of this matter. ) Contract lD: Documcnt lD: Documcnt ID: BILL OF SALE AND ASSIGNMENT THIS BILL OF SALE AND ASSICNMENT dated May 25, 2018, is by Citibank, N.A., a national banking arsociation organized under the laws of the United States, located at 701 East 60'h Street North, Sioux Falls, SD 57117 (thc "Bank") to Sherman Originator III LLC, organized under the laws of the State of Delaware, with its headquarters/principal place of business at 55 Beattie Place, Suite 110, Greenville, SC 29401 ("Buyer"). For value received and subject to the terms and conditions of the Master Purchase and Sale Agrecrnent dated September 22,2077 and Addendum No. 4 dated November 28,2017, between Buyer and the Bank (the ''Agreement"), the Bank does hereby transfer, sell, assign, convey, grant, bargain, set over and deliver to Buyer, and to Buyer's successors and assigrrs, the Accounts described in Exhibit 1 and the final elecfonic file. Citibank, N.A. By: ignature) Name: Garl G tlba Titlc: 5W IShcnnln 09221, 8ate000048 Trl nsfer and Assignnrent Sherman Originator lll LLC ("SOLLC Ill"), without recourse, to the extent permitted by applicable law, hereby transfers. sells, assigns. conveys, grants and delivers to Sherman Originator LLC ("SOLLC') all of its right, tirle and interest in and to the receivables and other assets (the "Assets") identified on Exhibit A, in the Receivable File dated May 17, 2018 delivered by Citibank. N.A. on May 25, 2018 for purchase by SOLLC lll on May 25. 2018. The lransl-er of tlie Assets included electronically stored busincss records. SOLLC. subsequent to the above menlioned transfer. hereby lransfers, sells, assigns, conveys, grants and dclivers to L\}JV Funding LLC ("LVNV"). the above mentioned Assets. The transfbr of thc Assets included electronicallv stored business records. Datcd: NIa1 2S, 2018 Shcrman Originator III LLC a Dclaware Limited Liability C] nlpany By: N : Jon Ma Tirl Director Dated: )l:r1 25, 201tl Sherman Originator LLC a Delaware Limited Liability Company By am ev ranlgan Title; Autholtzcd Representativc Datcd: i\l ar 25, 20l tl LVNV Funding LLC-' a Delaware Li itetl Liab lt Company By: I Narrc: Rusty Kendall Titlc: AuthorizedRepresentative 8ate000049 /d,nn*--- Exhibit A Receivables File 05.25.18 sherman_Brands-BKl3-Pull-Dates-(0430-0506)-05 l8 Transfer Croup Portfolio 5258 19 33482 Transfer Batch N/A 8a1e000050 xhibi ecei i . an_Brands-BK13-Pul t 043 050 -05l r sf Group ortf l o r sf at 19 / B t u.looot UJ lJ- Fz [!o = ------i.EEEEE!E!EE ETC!EDE!P:O'1Cooooooo oooooooooo) .o o N !n r tr N F N F- lo (o @ $ o) N o) I @ co @ =.l)rr)co (ooFr \rrF-(Y)@{ = F-.o N (o s ro cF, o N F-lc! cD - N o F ct (r) N N4 N N (, @ ro @ N o (o @Iro F- c{.rr cD r o F- o @I- E ! E ! E ! E E ! EIE D D ! O'O ! ! 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E = o o o o o o o o @ o; tDo o oo o o o o0) = g.g,g.s g-y-q q q q a v g-L! q q q Lq.r J trl UJ _J ------/n :o 1) E E ! 1' E ! OO O 10! O D tf O Da' rOYOOOOOOOOOO OOOOOOOOO0) =oooooooooo ooooooooooo o o o o o (! o o o o)l o (! o o (E (! (E o o o7 ro _o! E !! ! ! DD 7 E D! E D O OD! Oi:i o o o o o o o o o o; o o o 0r (l) o o o o o = x_ n_ L d_ t_ E- g g tr E_ a g, g- L q 4 d E- L q. t !o!1c1, 1, Eo! !oooooooooa) oooooooooo EEDEOEED!D tditntdtdt D!!!DE!10!Dooooo0Jooooo(l)dr(1)rDod) xo(Eoo(!(!(!tEoo =o(!)0,)i4tdqL4qqqq d llJ dl =lzFz loo ------I) ! O E E E E E E ! E>dr(I)lD =rE(E(E(E(E(E(E(!6lErJ!ro!,. t !€EEE -o(l)(l)rD0)ooooo)tttdL44q4Lq 1 2 3 4 5 6 ,7 8 9 10 11 l2 13 14 15 16 t1 18 19 20 2t 23 24 25 26 21 28 : x PROOF OF SERVICE (C.C.P. $ l0l3a; 2015.5) STATE OF CALIFORNIA, COUIr-TY OF SANTA CLARA I am employed in the County ol Santa Clara, State of Califomia. I am over the age o eighteen and not a party to the within action. My business addrcss is 6300 Canoga Ave. SLrit 1700. Woodland Hills, CA 91367. o" E/14/e/ , I served the tbregoing document(s) described as: PL.A.INTIFtrS RdSPONSES TO DEFENDANT'S DEI\TAND FOR PRODUCTION OF DOCUNIENTS, SET ONE on the interested parties in this action as follows: William J. Campbell, Esq. Noha Gabra, Esq. FITZGERALD & CAMPBELL. APLC 400 N. Tustin Avenue, Suite 401 Santa Ana. CA 92705 BY IvlAlL I placcd the above document(s) in sealed envelopes that I placed for deposit with the U.S. Postal Serv'ice at Woodland Hills. California, with postage thereon fully prepaid. I am readily familiar u'ith the firm's practice ofcollection and processing documents for mailing. Under that practice it would be deposited with U.S. Postal Service on that same day with postage thereon fully prepaid at Chatsworth Califomia in the ordinary course ofbusiness. I am aware that on motion of the party served, service is presumed invalid ifpostal cancellation date or postage meter date is more than one day after date ofdeposit for mailing in affidavit. BY UPS I placed the above document(s) in sealed envelopes and placed them for deposit with UPS, prepaid for next day delivery. BY FACSINIILE I transmitted the above document(s) by facsimile transmission to thc parties and facsimile numbers set forth herein, State: I declare under penalty ofperjury under the laws ofthe State ofcalifornia that *re above is uue and correct. Federal: I declare *rat I am employed in the oflice ofa member of the bar of this court at whose direction the service was made. Executedon S/lcr/*t , at Woodland Hills, Califo x /7 lirra n t 9 PI-,lI\TIFF S RESPONSES TO DEFENDANT'S RIQTJtiST FOR PRODIJCTION OF DOCUN{T]NTS. SEI'ON I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 PROOF OF SERVICE (Code Civ. Proc., §§ 1013a) STATE OF CALIFORNIA, COUNTY OF ORANGE I am employed in the County 0f Orange, State 0f California. I am over the age of 18 and not a party t0 the Within action; my business address is FITZGERALD & CAMPBELL, APLC, 400 N. Tustin Avenue, Suite 401, Santa Ana, California 92705. On September 20, 2021, I served the foregoing document described as DEFENDANT SHEILA J. PATTERSON’S EXHIBIT LIST in the manner described below on the following parties: CHRISTOPHER D MANDARICH Attorney for Plaintiff: MANDARICH LAW GROUP, LLP LVNV FUNDING, LLC P.O. Box 109032 Chicago, IL 60610 Tel: (877) 414-0130 Fax: (818) 888-1260 Email: info@mandarichlaw.com IF BY MAIL: As follows: I am "readily familiar" with the firm's practice 0f collection and processing correspondence for mailing With the United States Postal Service. Under that practice the envelope would be deposited with U.S. postal service on that same day with postage thereon fully prepaid at Santa Ana, California in the ordinary course of business. '- BY FACSIMILE: I caused each document t0 be delivered by electronic facsimile t0 the listed above. The facsimile machine I used complied with California Rules 0f Court, Rule 2.301 and no error was reported by the machine. Pursuant t0 California Rules of Court, Rule 2.306. '- BY OVERNIGHT COURIER SERVICE: I caused each envelope With postage fully prepaid to be sent by overnight. '- BY PERSONAL SERVICE: Pursuant t0 C.C.P. Section 1011, I caused to be delivered such envelope by hand t0 the offices of the addressee(s) listed on the attached mailing list. |- BY ELECTRONIC SERVICE: Pursuant to Code of Civil Procedure section 1010.6 and California Rules 0f Court, Rule 2.251, service shall be completed Via electronic transmission t0 the attached person(s) transmission 0f such is at the e-mail address(es) indicated as follows: ADD EMAIL ADDRESS HERE I declare under penalty 0f perjury under the laws of the State of California that the above is true and correct. Executed 0n September 20, 2021, at Santa Ana, California. Davanne Garcia 08me gem“ Type or Print Name GSignatureU 1 PROOF OF SERVICE
