Exhibit List PartyCal. Super. - 6th Dist.March 2, 2021\OOOflOUl-RUJNr-A NNNNNNNNNr-tr-tb-tr-tr-tHr-tp-Ar-‘r-A OOQONUI-PUJNHOKOOOQQUI-PUJNF-‘O 21 CV378926 Swabm-GW Fred W. Schwinn (SBN 225575) Raeon R. Roulston (SBN 255622) Matthew C. Salmonsen (SBN 302854) CONSUMER LAW CENTER, INC. 1435 K011 Circle, Suite 104 San Jose, California 95 1 12-4610 Telephone Number: (408) 294-6100 Facsimile Number: (408) 294-6190 R.Ng Electronically Filed by Superior Court of CA, County of Santa Clara, on 12/28/2021 7:15 PM Reviewed By: R. Nguyen Case #21 CV378926 Envelope: 7946792 Email Address: fred.schwinn@sjconsumerlaw.com Attorneys for Plaintiff ALEXANDER ZAVAL AGUILAR SUPERIOR COURT OF THE STATE OF CALIFORNIA COUNTY OF SANTA CLARA ALEXANDER ZAVAL AGUILAR, Plaintiff, V. CACH, LLC, a Colorado limited liability company; MANDARICH LAW GROUP, LLP, a California limited liability partnership; CHRISTOPHER D. MANDARICH, individually and in his official capacity; and DOES 1 through 10, inclusive, Defendants. Dated: December 28. 2021 Case No. 2 1CV378926 (Unlimited Civil Case) REQUEST FOR JUDICIAL NOTICE IN OPPOSITION TO SPECIAL MOTION TO STRIKE (EXHIBITS 76-100) Hearing Date: January 11, 2022 Hearing Time: 9:00 am. Hearing Dept: 7 Hearing Judge: Christopher G. Rudy Hearing Location: 191 North First Street San Jose, California CONSUMER LAW CENTER, INC. By: E Fred W. Schwinn (SBN 225575) D Raeon R. Roulston (SBN 255622) D Matthew C. Salmonsen (SBN 302854) CONSUMER LAW CENTER, INC. 1435 K011 Circle, Suite 104 San Jose, California 95 1 12-4610 Telephone Number: (408) 294-6100 Facsimile Number: (408) 294-6190 Email Address: fred.schwinn@sjconsumerlaw.com Attorneys for Plaintiff ALEXANDER ZAVAL AGUILAR -1- REQUEST FOR JUDICIAL NOTICE (EXHIBITS 76-100) Case N0. 21CV378926 uyen \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO Christopher D. Mandarich SB 220693 Ajay Sood SB325294 Electronically Hayk Stambultsyan SB320973 u Eh, ma an Martin Weingarten SB 201906 $45 FE“ Cg/qgiggzlimfi Ham MANDARICH LAW GROUP, LLP P.O. Box 109032 Chicago, IL 60610 BY Phone: 877.285.4918 “mu“ Facsimile: 818.888. 1260 Attorneysfor Plaintifl: JHPDE Finance I, LLC SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED JHPDE Finance I, LLC, Case N0. 21 -CLJ-05091 Plaintiff, COMPLAINT FOR: vs. 1. ACCOUNT STATED PEDRO A TORRES, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant. DEMAND; $3,914.50 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1.P1aintiff is and at all times herein mentioned, JHPDE Finance I, LLC, and successor in interest to original creditor, Citibank N.A.. 2.P1aintiff is a debt buyer, and is the sole owner 0f the debt at issue. 3.The charge-off creditor at the time 0f charge-off is CITIBANK N.A., 701 EAST 60TH STREET NORTH SIOUX FALLS, SD 571 17, and the account number associated with this debt is XXXXXXXXXXXX775 1. 4.The subj ect credit account has been purchased by the following entities after charge-off: JH Portfolio Debt Equities, LLC Who maintains an address at 5757 Phantom Dr., Suite 225 Hazelwood, MO 63042. The subject credit account was transferred by JH Portfolio Debt Equities, LLC to Plaintiff JHPDE Finance I, LLC, who maintains an address at 5757 Phantom D11, Suite 225 Hazelwood, MO 63042. 5.P1aintiff is informed and believes that Defendant are individuals Who currently reside Exhibit "76" COMPLAINT-l 0f 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO Within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the proper Court for trial 0f this action. 6.The name and last known address of the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0f the debt is PEDRO A TORRES, 128 GRACE AVE , EAST PALO ALTO, CA 94303. 7.Plaintiff is unaware of the true names 0r capacities, Whether individual, corporate, associate or otherwise ofthe Defendant sued herein as DOES 1 through 10 inclusive, and therefore, sued the Defendant by such fictitious names. PlaintiffWill amend this Complaint to show their true names and capacities once ascertained. 8.Plaintiff believes and at all times mentioned herein, each of the Defendant was, and is, the agent, servant and employee, employer of each 0f the other Defendant, and also acted in the capacity 0f and as agent 0f the other Defendant. Plaintiff also believes that the individual Defendant, and each 0fthem, are jointly and severally liable that the actions described herein were taken as actions for the benefit 0f the Defendant's separate and/or community property. 9.P1aintiff believes that, for value received, Defendant and each 0f them, executed and delivered a credit card application to the original creditor, Citibank N.A. 0r made such application over the telephone 0r Internet. Pursuant to the aforementioned application, CitibankNA. provided Defendant With a credit account, and granted use privileges 0n the same, account number XXXXXXXXXXXX7751 (hereinafter “Account”). 10.Pri0r t0 the commencement of this action, the Account was assigned for value t0 the Plaintiff and Plaintiff is its current holder. 11.Defendant agreed t0 repay Citibank N.A. and any successors in interest, for any charges on the Account including, but not limited to, charges for purchase 0fgoods and service and/or cash advances and balance. 12.Defendant used the Account to make purchases and/or to take cash advances and/or t0 make balance transfers. Each time the Defendant used the Account to purchase goods and services COMPLAINT-2 0f 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement to repay Citibank N.A. and its successors in interest for the amount 0f the purchase and/or cash advances and/or balance transfers. 13.Monthly statements were sent t0 Defendant Which itemized all payments made and charges due on the Account. 14.The date 0f last payment on the subject account was 0n November 14, 2017. 15.Within the last four years, the Defendant failed t0 make payments as agreed on the Account. Defendant has failed, refused and neglected to pay amounts due on the Account. 16.The debt balance at charge-off was $3,914.50, and upon information and belief there is $0.00 in post charge off fees and $0.00 in post charge off interest. 17.Subsequent t0 charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $3,914.50. 18.Although demand has been made upon said Defendant t0 pay said amount, no part has been paid, and it is now due and owing. 19.Up0n information and belief, Citibank N.A. and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 20.Plaintiff has complied With California Civil Code Section 1788.52. 21.Plaintiff has attached hereto as Exhibit A and incorporated herein by reference a copy 0f Billing Statement provided to the Defendant while the account was active, demonstrating that the debt was incurred by the Defendant. 22.P1aintiff has attached hereto as Exhibit B and incorporated herein by reference a copy of the Final Billing Statement and/or Transaction History. 23.Up0n opening the Account with Citibank N.A., the Defendant agree t0 reimburse Citibank N.A., and hence Plaintiff as successor in interest for the costs related to the collection 0f amounts owing on the Account. Plaintiff has been required t0 retain Mandarich Law Group, LLP COMPLAINT-3 0f 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO to pursue collection of the amount due hereunder. FIRST CAUSE OF ACTION (Account Stated) 24.P1aintiff refers to and incorporates paragraphs 1 through 23. 25.Within the past 4 years, an account was stated in writing in Which it was agreed that Defendant were indebted in the amount previously referenced herein. Although demand has been made upon Defendant, said amount 0f $3,914.50 has not been paid, and it is now due, owing and unpaid from Defendant t0 Plaintiff, as successor in interest. SECOND CAUSE OF ACTION (Open Book Account) 26.Plaintiff refers t0 and incorporates paragraphs 1 through 25. 27.Within the past 4 years, Defendant and each of them became indebted in the amount 0f the previously mentioned herein for a balance due 0n a book account for goods sold and delivered and/or services rendered by Citibank N.A.. Although demand has been made upon Defendant, said amount 0f $3,914.50 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 0f 5 \OOOflQUl-I>WI\J>-‘ NNNNNNNNNr-tr-KHr-Kr-tr-tr-tr-tr-tr-t OOQQUl-RUJNF-‘OKDOOQONUl-hUJNF-‘O WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $3,914.50, 2. For costs of suit incurred; and 3. For such other and further relief as the Court deems just and proper. 4. Plaintiff remits all damages in excess of the jurisdictional amount 0f this Court. Dated: 09/10/2021 By: MANDARICH LAW GROUP, LLP QJMM [X] Christopher D. Mandarich, Esq. Attorneysfor Plaintifl COMPLAINT-S 0f 5 EXHIBIT A Citi Simplicity® Card PEDRO A TORRES www.citicard s.com Miembro Desde 2010 NUmeros de cuenta que terminan en:7751 ‘ o Customer Sgrvice 1-866-696-5673 perfodo de FactUracién:12/22/16_01/20/17 TTY-hearlng-Impalred serVIces only 1-800-325-2865 PO BOX 6097 SIOUX FALLS, SD 57117-6097 Resumen de Cuenta ESTADO DE CUENTA DE ENERO BaI/Saldo Anterior $4,134.50 Paqo mI'nimo adeudado: $60.00 pagos -$1oo_oo Nuevo saldo a 01/20/17: $4,034.50 otros Créditos -$0.00 Fecha de Vencimiento de Paqo: 02/17/17 Compras +$0.00 Adelantos en Efect. +$0.00 , . . , , , , , Cargos Cobrados +$0.00 Alerta de Paqo Mlnlmo:SI efectua unlcamente el pago mlnlmo en cada perl’odo, pagara’ ma’sven intereses y tardara’ ma’s tiempo en cancelar su Intereses CObradOS +5000 balance/saldo. Por ejemplo: Nuevo Bal/Saldo $4,034.50 Cancelara’ el balance/ , . . . S(ifng realliza (tgal'rqosd t said‘oj ingicado in este Y terr'rgjinarét t I LIMIte de Credlto aICIonaesullzan oesa esao ecuenaenun aanounoa r- r- tarjeta y cada mes paga... lapso aproximado de... gsfimado de... L'm'te de cred'to $5600 , . , . ~ WE'HYEPP._'TFTFFF_?_9?_§?_O__9_P§I?_?_‘_j_?_'_a__'1t_9§???.??EWF’..." Umcamente el pago mlnlmo 17 ano(s) $8,953 Crédito Disponible $1,565 $128 3 afio(s) $4,608 Incluye $900 disponibles para adelantos en efectivo (Ahorros=$4,345) Si desea obtener informacién sobre Ios servicios de asesoramiento de crédito, Ilame al 1-877-337-8187. OOOOOO MC OO A O PEDRO A TORRES 128 GRACE AVE EAST PALO ALTO CA 94303-1125 smvucnv Savinqs Spot l iq ht Sus Ahorros Citi Simplicity Hasta la Fecha: $807J4 Consulte Ia pa’gina 3 para ver su Resumen de Ahorros. Por favor, escriba en letra imprenta IosCambios dt Direccién al dorso ® Paqar en lI'nea www.citicards.com Paqo Ml'nimo Adeudado $60.00® Paqar por te'éme-Séé-égé-Sén Nuevo Balance/Saldo $4,034.50 Fecha de Vencimiento de Paqo 02/17/17Pagar por correo postal Utlllce este cup6n 0 Adjunto encontrara’ un cheque o giro va’lido pagadero a CITI CARDS. No utilice efectivo ni 0 0 moneda extranjera. cantldad Indu'da ' Escriba Ios Ultimos cuatro dl'gitos de su nlimero de cuenta e” S“ Cheque- NUmeros de cuenta que terminan en:7751 CITI CARDS PO BOX 78045 Phoenix, AZ 85062-8045 www.citicards.com PEDRO A TORRES Resumen de Cuenta Fecha Fecha de la de trans. regist. Descripcién Cantidad Paqos, Créditos y Ajustes 12/22 SU PAGO GRACIAS -$100.00 Carqos Cobrados Carqos totales para este periodo $0.00 Intereses Cobrados Total de Intereses para este perl'odo $0.00 Totales de 2017 Hasta la Fecha Total de carqos apllcados en 2017 Total de Intereses carqados en 2017 Célculo del Cargo por Intereses Dras Ciclo de Fact.:3o Su Tasa de Porcentaje Anual (APR)es Ia tasa de interés anual en su cuenta. _ Tasa de Porcenta$e Balance/Saldo Sujego Cargo por Tlpo de Balance/Saldo Anual (AP ) a Ia Tasa de lnteres Intereses __99MPRA§ __________________________________________________________________________________________________________________________________ Compra Regular 20.49% (V) $0.00 (D) $0.00 Oferta 4 0.00% $2,774.50 (D) $0.00 (Tasa Transf. Saldo vence 12/01/17) Oferta 12 0.00% $1,260.00 (D) $0.00 (Tasa Transf. Saldo vence 03/01/18) _A_D_E_LAN_T_Q§ ______________________________________________________________________________________________________________________________ Adelanto Reg 20.49% (V) $0.00 (D) $0.00 Su Tasa de Porcentaje Anual (APR) es Ia tasa de interést anual de su cuenta. La tasa APR seguida por (V) podrfa variar. Los Balances/Saldos seguidos por una (D) se determinan a través del método de balance/saldo diario (incluidas Ias transacciones actuales). Mensajes de la Cuenta DETALLES DE sus SAVINGS SPOTLIGHT INTERESES: Si tiene saldos promocionales en su cuenta, hemos calculado sus ahorros. Estos ahorros son Ia diferencia entre Ios intereses calculados sobre Ios saldos promocionales aplicando Ias tasas APR promocionales y Ios intereses estimados que se hubieran calculado sobre estos mismos saldos aplicando Ias tasas APR Esta’ndar para Compras. Este monto de ahorros no incluye ningljn cargo por transferencia de saldo. Estos ahorros corresponden al perl’odo de facturacién que cubre este estado de cuenta. SIN CARGO POR DEMORA: Los ahorros en cargo por demora se determinan analizando sus pagos y calculando cua’l hubiera sido el monto de su cargo por demora en su tarjeta sin este beneficio. Si efectué algljn pago con demora antes de mayo del 2014, Ios ahorros en cargo por demora se determinan utilizando un cargo por demora de $15 (si su pago ml’nimo adeudado era menos de $15, utilizamos ese monto como el monto de ahorros).Estos ahorros corresponden al perl'odo de facturacién que cubre este estado de cuenta. CITI EASY DEALS: Si canjeé puntos por un artl’culo de Citi Easy Deals, Ios ahorros son Ia diferencia entre el precio de venta o de Ia oferta indicada en citieasydeals.com y el precio que pagé luego de canjear sus puntos. Estos ahorros corresponden al mes calendario anterior. Customer Service 1-866-696-5673 TTY-hearing-impaired services only 1-800-325-2865 Page 2 of 3 ' smPLIcn» Savings Spotlight Su Resumen de Ahorros Citi Simplicity® De este Perl'odo de Facturacién: I Intereses: $67.95 KOTAL DE AHORROS $67.95 x f >‘ ,1 (g a = 2:2 AHORRos clmism :I‘TY HASTA LA FECH :14. Consulte los Mensajes de la Cuenta para obtener més informacién sobre su resumen de ahorros Citi Easy Deals“ Total de Puntos a partir de 01/01/17: 2,155 Puntos transferidos a su Cuenta Citi Easy DealsSM: O Identificacién de Miembro Citi Easy Deals:8648-16929039 Ganados en este perl'odo O Ajustados en este perl'odo O Total Ganado en este perl'odo O Total Ganado en Io que va del afio 0 \ » Visite citieasydeals.com para canjear 1 puntos o para obtener todos los detalles del programa En este mes no se transfirieron Citi Easy Deals Points a su cuenta Citi Easy Deals.Esto pudo ocurrir debido a que usted no efectué w compras elegibles o debido a que un crédito, ajuste o disputa excedié el monto de compras elegibles. www.citicards.com Customer Service 1-866-696-5673 PEDRO A TORRES TTY-hearlng-Impalred serVIces only 1-800-325-2865 CITI PRICE REWIND: Si recibié un reembolso de Citi Price Rewind, Ios ahorros son el monto reembolsado. Estos ahorros corresponden al mes calendario anterior. AHORROS CITI SIMPLICITY HASTA LA FECHA: Son Ios ahorros en Ios cargos por intereses y por demora, en Citi Easy Deals y Citi Price Rewind desde que es tarjetahabiente Citi Simplicity. Este monto de ahorros no incluye ningLin cargo por transferencia de saldo. Usted es un cliente importante de Citibank con mljltiples cuentas, por Io tanto nos complace presentarle el servicio de Citi Client First que Ie permite administrar todas sus cuentas con una sola llamada. Un Especialista de Cuentas esta’ aqUI’ para escuchar y ayudarle. iSoIo tiene que llamar! Por favor, comunl'quese con nosotros de lunes a viernes, de 7:00 a.m. a 10:00 p.m.; sa’bados, de 7:00 a.m. a 7:00 p.m.; domingos, de 8:00 a.m. a 7:00 p.m., Hora del Centro, al 1-877-635-2682 para hablar con un Especialista de Cuentas y obtener més informacién. Por favor, asegljrese de pagar a tiempo. Si enVI'a su pago por correo postal, Ie sugerimos que Io enVI’e en o antes de 02/10/2017 para permitir que transcurra suficiente tiempo hasta que recibamos su pago por correo postal. Page 3 of 3 EXHIBIT B PEDRO A TORRES Miembro Desde 2010 Ndmeros decuenta que terminan en:7751 Perrodo de Facturacién:08/22/17-09/21/17 ESTADO DE CUENTA DE SEPTIEMBRE Paqo mfnlmo adeudado: Nuevo saldo a 09/21/17: Fecha de Venclmlento de Page: $406.00 $3,914.50 10/17/17 Alorta do Page Mlnlmo: Si efecta nicamente el pago mfnimo en cada perfodo. pagaré més en intereses y tardaré més tiempo en cancelar su balance/saldo. Por ejemplo: SI no reallza carqos adlclonales utlllzando esta tarjeta y cada mes page... Cancelaré el balance/ saldo Indlcado en este estado de cuenta en un lapso aproxlmado de... Y termlnaré pa ando un total est mado de... L'Jnlcamente eI pago mfnlmo 16 ao(s) $8,918 Si desea ODtEDEf imOI’maCién SODI'e IOS SQI’ViCiOS de aseSOfamientO de Cl’éditO. llame 3| 1-877 -337-8188. 000000 MC 32 A 0 PEDRO A TORRES 128 GRACE AVE EAST PALO ALTO CA 94303-1125 Paque su factura desde casl cualquler Iuqar con Ia Apllcacldn Cltl Mob"? y CItP Onllne Para descarqarla: Envfe e1 texto 'ApplS' a MyCltl (692484) 0 visite Ia tienda Ge aplicaciones de su dispositivo. O visite www.cltlcards.oom www.cltlcards.com Customer Sorvlce 1-866-696-5673 TTY-hearing-impaired services only 1-800325-2865 PO BOX 6097 SIOUX FALLS, SD 57117-6097 Su cuenta se encuentra vencida.Por favor, efectlie al menos el pago ml’nimo adeudado, el cual incluye un monto vencido de $348.00. Resumen de Cuenta Bal/Saldo Anterior $3,914.50 Pagos -$0.00 Otros Créditos -$0.00 Compras +$0.00 Adelantos en Efect. +$0.00 Cargos Cobrados +$0.00 lntereses Cobrados +$0.00 Nuevo Bal/Saldo $3,914.50 Ll’mlte de Crédlto Ll’mite de Crédito $5,600 Incluye un Ilmlte de $900 para adelantos en efectlvo Savings Spot l ight Sus Ahorros Citi Simplicity Hasta la Fecha: $1,599.52 Consulte la pa’qina 3 para ver su Resumen de Ahorros. Por favor, escriba en letra imprenta losCambios d1 Direccio'n al dorso Pago Ml'nimo Adeudado $406.00 Nuevo Balance/Saldo $331450 Fecha de Vencimiento de Page 10/17/17 Cantidad lncluida Nameros decuenta que terminan en:7751 CITI CARDS P0 BOX 78045 Phoenlx, AZ 85062-8045 www.cltlcards.com PEDRO A TORRES Resumen de Cuenta Fecha Fecha dela de trans. regist. Descrlpclén Cantldad Carqos Cobrados Carqos totales para este peodo $0.00 Intereses Cobrados Total do Intereses para este periodo $0.00 Totales de 2017 Hasta Ia Fecha Ta_talde_ carqos apllcados an 2017 Total de Intereses carqados en 2017 $0.00 $0.00 Célculo del Cargo por Intereses Dras cuclo ae Fact.: 31 Su Tasa do Porcentaje Anual (APR)es Ia tasa de interés anual en su cuenta. Tasa do Porcenta alga Balance/Saldo Sujeto Carqo por Tlpo do Balance/Saldo Anual (AP a Ia Tasa do lntefés Intereses -SQMERA.§.............m..............__ Compra Regular 20.99% (V) $0.00(D) $0.00 orerta 4 0.00% $2,654.50(D) $0.00 (Tasa Transf. Saldo vence 12/01/17) Oferta 12 0.00% $1,260.00 (D) $0.00 ~ (Tasa Transf. Saldo vence 03/01/18) ~ ADELANTOS Adelanto Reg 20.99% (V) $0.00(D) $0.00 Su Tasa de Porcentaje Anual (APR) es Ia tasa de Interést anual de a: cuenta. La tasa APR seguida por (V) podrIa variar. Los Balances/Saldos seguldos por una (D) se determinan a través del método de balance/saldo diario (incluidas Iastransacclones actuales). Mensajes de Ia Cuenta La Cruz Roja Americana esta’ aceptando donaciones para apoyar su labor deofrecer refugio, alimentacién, apoyo emocional y otro tipo de asistencia ocasionada por Ios desastres. Visite www.redcross.org, llame al 1-800-RED-CROSS, 0 envie un mensaje de texto a REDCROSS al 90999 para realizar una donacién de $10. Los miembros de Citi ThankYou® Rewards pueden también usar sus puntos para realizar una donacién a Ia Cruz Roja Americana en www.thankyou.com. Asimismo, se pueden enviar contribuciones a su sede local de la Cruz Roja Americana o a la Cruz Roja Americana, P.O. Box 37243, Washington, D.C. 20013. Customer Service 1-866-696-5673 TTY-hearing-impaired services only 1-800-325-2865 Page 2 of 3 Savings Spotlight Su Resumen de Ahorros Citi Simplicity® De este Periodo do Facturacién: $69.78 $35.00 I Intereses: I Sin Cargo por Demora: TOTAL DE AHORROS $104.78 AHORRos cm SIMPLICITY I-IAsrA LA FECI-IA: $1,599.52 Consulte los Mensajes do Ia Cuenta para obtener més informacién sobre su rosumen do ahorros www.citicards.com Customer Service 1-866-696-5673 PEDRO A TORRES TTY-hearlng-Impalred serVIces only 1-800-325-2865 DETALLES DE SUS SAVINGS SPOTLIGHT INTERESES: Si tiene saldos promocionales en su cuenta, hemos calculado sus ahorros. Estos ahorros son Ia diferencia entre Ios intereses calculados sobre Ios saldos promocionales aplicando Ias tasas APR promocionales y Ios intereses estimados que se hubieran calculado sobre estos mismos saldos aplicando Ias tasas APR Esta’ndar para Compras. Este monto de ahorros no incluye ningljn cargo por transferencia de saldo. Estos ahorros corresponden al perl’odo de facturacién que cubre este estado de cuenta. SIN CARGO POR DEMORA: Los ahorros en cargo por demora se determinan analizando sus pagos y calculando cua’l hubiera sido el monto de su cargo por demora en su tarjeta sin este beneficio. Si efectué algljn pago con demora antes de mayo del 2014, Ios ahorros en cargo por demora se determinan utilizando un cargo por demora de $15 (si su pago ml’nimo adeudado era menos de $15, utilizamos ese monto como el monto de ahorros). Estos ahorrtos corresponden al perl'odo de facturacién que cubre este estado de cuen a. CITI EASY DEALS: Si realizé una compra en Citi Easy Deals, sus ahorros son Ia diferencia entre el precio de venta al por menor y el precio que usted pagé. Estos son Ios ahorros del mes calendario anterior. CITI PRICE REWIND: Si recibié un reembolso de Citi Price Rewind, Ios ahorros son el monto reembolsado. Estos ahorros corresponden al mes calendario anterior. AHORROS CITI SIMPLICITY HASTA LA FECHA: Son Ios ahorros en Ios cargos por intereses y por demora, en Citi Easy Deals y Citi Price Rewind desde que es tarjetahabiente Citi Simplicity. Este monto de ahorros no incluye ningtin cargo por transferencia de saldo. Por favor, tenga en cuenta que si recibimos su pago por teléfono o en II'nea de 5 p.m., a Ia media noche, Hora del Este, del Ultimo dl’a de su perl’odo de facturacién, su pago no se vera’ reflejado hasta su préximo estado de cuenta. Por favor, asegflrese de pagar a tiempo. Si enVI'a su pago por correo postal, Ie sugerimos que Io enVI'e en o antes de 10/10/2017 para permitir que transcurra suficiente tiempo hasta que recibamos su pago por correo postal. Page 3 of 3 KOOONQUILWNu-t NNNNNNNNNHHh-kb-Ab-kb-b-h-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO Christopher D. Mandarich SB 220693 Ajay Sood 33325294 Hayk Stambultsyan SB320973 El i llMartin Weingarten SB 201906 Efirfgfia y MANDARICH LAW GROUP, LLP bySupenurCmnnfCanrmnla. mmSanAu-aren P.O. BOX 109032 Chicago, IL 60610 0N 9/24/2021 877.285.4918 Facsimile: 818.888.1260 33' mum Attorneysfor Plaintifl: Arcadia Partner, LLC SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED Arcadia Partner, LLC, Case N0. 21 -CLJ-O5200 Plaintiff, VS FILE BY FAX COMPLAINT FOR: 1. BREACH OF CONTRACT RAINIER GUINID, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant DEMAND: $8,488.50 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1. Plaintiff is and at all times herein mentioned, Arcadia Partner, LLC, and successor in interest to original creditor, LoanMe, Inc. 2. Plaintiff is a debt buyer, and is the sole owner of the debt at issue and its name and address is as follows: Arcadia Partner, LLC; 3050 Peachtree Rd NW, Atlanta, GA 30305. 3. The charge-off creditor at the time 0f charge-off is LoanMe, Inc., 1900 South State College Boulevard, Suite 300, Anaheim, CA 92806, and the account number associated with this debt is XXX2107. 4. The subject credit account has been purchased by the following entities after charge-off: BUYERS HOLDINGS, LLC Who maintains an address at 1966 NE 123m Street, Station 209, North Miami, FL 33181. The subject credit account was transferred by BUYERS HOLDINGS, LLC t0 Plaintiff ARCADIA PARTNER, LLC, who maintains an address at 3050 Peachtree Road NW, Atlanta, GA 30305. Exhibit "77"COMPLAINT-l 0f 5 KOOONONUILWNr-t NNNNNNNNNHh-h-kb-Ab-kb-h-h-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO 5. Plaintiff is informed and believes that Defendant are individuals Who currently reside Within the jurisdictional boundaries 0f the above entitled Court. Therefore, this Court is the proper Court for trial 0f this action. 6. The name and last known address of the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0f the debt is RAINIER GUINID , 9O FOREST GROVE DRIVE APT 24 , DALY CITY, CA 94015. 7. Plaintiff is unaware of the true names 0r capacities, Whether individual, corporate, associate or otherwise ofthe Defendant sued herein as DOES 1 through 10 inclusive, and therefore, sued the Defendant by such fictitious names. PlaintiffWill amend this Complaint t0 show their true names and capacities once ascertained. 8. Plaintiff believes and at all times mentioned herein, each 0f the Defendant was, and is, the agent, servant and employee, employer of each of the other Defendant, and also acted in the capacity of and as agent 0f the other Defendant. Plaintiff also believes that the individual Defendant, and each 0f them, are jointly and severally liable that the actions described herein were taken as actions for the benefit 0f the Defendant's separate and/or community property. 9. Plaintiff believes that, for value received, Defendant and each of them, executed and delivered a credit application to the original creditor, LoanMe, Inc. 0r made such application over the telephone 0r Internet. Pursuant to the aforementioned application, LoanMe, Inc. provided Defendant With a credit account, and granted use privileges 0n the same, account number XXX2107 (hereinafter “Account”). 10. Prior t0 the commencement of this action, the Account was assigned for value to the Plaintiff and Plaintiff is its current holder. 11. Defendant agreed t0 comply with the terms governing the use of the Account, as it was amended from time to time, including repaying LoanMe, Inc. and any successors in interest, for any charges on the Account including, but not limited to, charges for purchase 0f goods and service and/or cash advances and balance transfers along with late charges, over limits charges related thereto. COMPLAINT-2 0f 5 KOOONONUI-bUJNr-t NNNNNNNNNHh-h-kb-Ab-b-h-h-HH OONQMJ>WN~O©OOQONM$UJNHO 12. Defendant used the Account t0 make purchases and/or t0 take cash advances and/or to make balance transfers. Each time the Defendant used the Account t0 purchase goods and services and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement to repay LoanMe, Inc. and its successors in interest for the amount 0f the purchase and/or cash advances and/or balance transfers, along With such other charges as may be assessed pursuant to the terms governing the Account. 13. The date 0f last payment 0n the subj ect account was on April 1, 2017. 14. Within the last four years, the Defendant failed to make payments as agreed on the Account. Defendant has failed, refused and neglected t0 pay amounts due on the Account. 15. The debt balance at Charge-offwas $8488.50, and upon information and beliefthere is $0.00 in post charge off fees and there is $0.00 in post charge off interest. 16. Subsequent t0 charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $8,488.50. 17. Although demand has been made upon said Defendant t0 pay said amount, n0 part has been paid, and it is now due and owing. 18. Upon information and belief, LoanMe, Inc. and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 19. Plaintiff has complied With California Civil Code Section 1788.52. 20. Plaintiff has attached hereto as Exhibit A and incorporated herein by reference a copy ofBilling Statement and/or Loan File provided t0 the Defendant While the account was active, demonstrating that the debt was incurred by the Defendant. 21. Plaintiff has attached hereto as Exhibit B and incorporated herein by reference a copy of the Final Billing Statement and/or Transaction History. 22. Upon opening the Account with LoanMe, Inc., the Defendant agrees to reimburse LoanMe, Inc., and hence Plaintiff as successor in interest for the costs related to the collection 0f amounts owing on the Account. Plaintiff has been required t0 retain Mandarich Law Group, LLP t0 pursue collection of the amount due hereunder. COMPLAINT-3 0f 5 \OOOflQUl-RUJNH NNNNNNNNNHr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNh-‘OKOOOQQUl-bUJNF-‘O FIRST CAUSE OF ACTION (Breach of Contract) 23. Plaintiff refers to and incorporates paragraphs 1 through 22. 24. LoanMe, Inc. extended a credit loan t0 the Defendant. 25. Defendant accepted the terms and conditions 0f the Account by Defendant use of the Account to make purchases and/or t0 take cash advances and/or t0 make balance transfers. 26. Defendant have breached the terms and conditions governing the Account by failing to pay amounts due and owing on the Account. 27. As a direct and proximate result thereof, Plaintiff has been damaged in the amount 0f$8,488.50. SECOND CAUSE OF ACTION (Open Book Account) 28. Plaintiff refers t0 and incorporates paragraphs 1 through 27. 29. Within the past 4 years, Defendant and each ofthem became indebted in the amount of the previously mentioned herein for a balance due on a book account for goods sold and delivered and/or services rendered by LoanMe, Inc. Although demand has been made upon Defendant, said amount 0f $8,488.50 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 0f 5 KOOONONUI-bUJNr-t NNNNNNNNNHh-kb-Ab-Ab-b-h-h-Hb-t OONQMJ>WN~O©OONONM$UJNHO WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $8,488.50, 2. For costs of suit incurred; and 3. For such other and further relief as the Court deems just and proper. 4. Plaintiff remits all damages in excess of the jurisdictional amount 0f this Court. Dated: 09/17/2021 COMPLAINT-5 0f 5 By: MANDARICH LAW GROUP, LLP Qh/M X]Christopher D. Mandarich, Esq. Attorneysfor Plaintifl EXHIBIT A LOANME, INC. PROMISSORY NOTE AND DISCLOSURE STATEMENT Loan No.: -2107 Date of Note: January 10, 2017 Expected Funding Date: January 11, 2017 Lender: LoanMe, Inc. Borrower: RAINIER GUINID Address: 1900 S. State College Boulevard Suite Address: 90 FOREST GROVE DRIVE APT 24 300 DALY CITY, CA 94015 Anaheim, CA 92806 In this Promissory Note and Disclosure Statement ("Note"), the words "you" and "your" mean the person signing as a borrower. "We," "us,", and "our," mean LoanMe, Inc. and any subsequent holder of this Note. TRUTH IN LENDING ACT DISCLOSURE STATEMENT ANNUAL FINANCEPERCENTAGE CHARGE AMOUNT FINANCED TOTAL OF PAYMENTSRATE . . The amount you will haveThe cost of your credit as The dollar amount the The amount of credit paid after a” payments area yearly rate credit WIII cost you prowded to you made as scheduled I 106.43 % I $33,230.37 I $5,100.00 $38,330.37 PAYMENT SCHEDULE One payment of $315.70 on February 01, 2017. 83 monthly payments of $452.76 beginning on March 01, 2017. One payment of $435.59 on February 01, 2024. Late Charge: If a payment is 15 days late, you will be charged $15.00. Prepayment: If you pay off this loan early, you will not have to pay any penalty. Please see the remainder of this document for additional information about nonpayment, default and any required repayment in full before the scheduled date. ITEMIZATION OF AMOUNT FINANCED Amount Financed: $5,100.00 Amount Paid to Borrower Directly: $5’100'00 Prepaid Finance Charge/Origination $1,500.00 Fee: PROMISSORY NOTE AND ARBITRATION AGREEMENT This Note, including any and all signatures hereto, is in original format an electronic document created in accordance IAIN-LI {-hn Cinnal-ttrnn in Alal-l'nnal /:_CTCAI\ Iauln VVILII LIIC LICLLI UIHL JlyllaLul CD Ill UlUUal allu lVaLlUllal LC HLL allu ULIICI appllLaUlC laVVD allu regulations, and that the one, true original Note is retained electronically by us. All other versions hereof, whether electronic or in tangible format, constitute facsimiles or reproductions only. FOR VALUE RECEIVED, you promise to pay to the order of LoanMe, Inc., or any subsequent holder of this Note the sum of $6,600.00, together with interest calculated at 82.00 % ("Note Rate") and any outstanding charges or late fees, until the full amount of this Note is paid. Your interest is calculated on a 360/360 simple interest basis. This means that interest is calculated by dividing the annual Note Rate disclosed above by 360, multiplying that number by the outstanding principal balance, and multiplying that number by the number of days the principal balance is outstanding, assuming each full month is comprised of 30 days. Your payments will be applied as of the date received, first to accrued interest, then to the principal payment that is due, then to any outstanding charges or late fees, and finally to any remaining principal not yet due. The payment schedule disclosed above is only an estimate and may change in the event you do not make all payments as scheduled. If a payment is not sufficient to pay interest then due, the unpaid interest will be added to principal and will bear interest at the Note Rate. A principal-only payment is known as a "Prepayment." We will not treat a payment as a Prepayment unless you previously made all monthly payments of principal and interest and fully paid and satisfied all other obligations under this Note. If you meet these conditions, you may make a full or partial Prepayment. We will apply any partial Prepayment you make to reduce the principal due on the Note as of the date we receive the Prepayment. You may make a full Prepayment or partial Prepayment at any time without penalty. A partial Prepayment will not change the due dates or amounts of your monthly payments, but may reduce the number of payments and the amount of your final payment. Notwithstanding any other provision of this Note, if, within seven calendar days of the Funding Date (i.e., the date we advance funds to you), you repay us the amount we advanced to you directly ($5,100.00), this Note will be deemed paid in full, without payment of any finance charges (including interest). (To receive the benefit of this offer, payment in full of the amount advanced to you directly must be received no later than 11:59 p.m. in the time zone in which you reside on January 18, 2017; if payment is not received by that time, you will owe the interest that accrued during that period as well as the amount disbursed to you and the loan fee pursuant to the terms of this Note.) We do not intend to charge or collect any interest, charge, or fee that is more than the law allows. If we charge or collect any amount over what the law allows, we will apply the excess first to the unpaid scheduled monthly payments, and we will refund any excess if you have paid in full all amounts you owe under this Note. Any amount applied to unpaid scheduled monthly payments will be treated as a partial prepayment. THE MATURITY DATE (IF NOT PREPAID) OF THIS LOAN IS: February 01, 2024. You will be subject to a fee of $15 if any payment you make is returned for non-sufficient funds. If you fail to make any payment due under this Note, we shall have the right, after a 30-day grace period, to declare this Note to be immediately due and payable. For loans above $10,000, if you file for an assignment for the benefit of creditors, bankruptcy, or for relief under any provisions of the United States Bankruptcy Code, we shall have the right to declare this Note to be immediately due and payable. For loans in excess of $5,000, in the event that we are required to employ an attorney at law to collect any amounts due under this Note, you will be required to pay the reasonable fees of such attorney to protect our interest or to take any other action required to collect the amounts due hereunder to the extent permitted by law. You agree that all payments made more than (15) days of the due date shall be subject to a late fee of $15.00. The loan fee included in the prepaid finance charge/loan fee disclosed above is fully earned upon loan origination, and is not subject to rebate upon prepayment or acceleration of this Note and is not considered interest. This loan is unsecured and therefore not secured by any of your collateral. We may delay or forgo enforcing any of its rights or remedies under this Note without losing them. You hereby, to the extent allowed by law, waive any applicable presentment, demand for payment, or protest and notice of dishonor. Upon any change in the terms of this Note, and unless otherwise expressly stated in writing, no party who signs this Note, whether as maker, guarantor, accommodation maker or endorser, shall be released from liability. This Note shall take effect as a sealed instrument. This Note will be governed by the laws of the State of California except to the extent governed by federal law applicable to interstate commerce, including, without limitation, the Federal Arbitration Act, 9 U.S.C. §§ 1-6 ("FAA"). You understand that you have previously consented to receive all communications from us, including but not limited to, all required disclosures via electronic mail. This means that all communications from us will be delivered in electronic form. You understand and agree that we may obtain credit reports on you an ongoing basis as long as this loan remains in effect. You also authorize us to report information concerning your account to credit bureaus and to anyone else we believe in good faith has a legitimate need for such information. You understand that, from time to time, we may monitor or record telephone calls between you and us. You hereby expressly consent to have your calls monitored or recorded. You agree that we can contact you using any telephone number(s) that you provide us in this credit application, that you provide to us in the future, or that we get from another source, even if the number is for a mobile telephone and/or our usng the number results in charges to you by your mobile service provider. You also agree that we may leave an autodialed or prerecorded message or use other technology to make that contact. You further agree that if you gave us a mobile phone number in your application, or if you later gave us a mobile phone number, or if we get a mobile phone number for you from another source, we may contact you by text message on that mobile phone regarding your account, notwithstanding the fact that there is a possibility that a third party may see our text message to you, and you represent that any mobile phone number you gave us or will give us is your mobile phone number alone. You may cancel this consent by providing us with notice in writing. A married or registered domestic partner applicant may apply for a separate account. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. If we take any adverse action as defined by Section 1785.3 of the California Civil Code and the adverse action is based, in whole or in part, on any information contained in a consumer credit report, you have the right to obtain within 60 days a free copy of your consumer credit report from the consumer reporting agency who furnished us your consumer credit report and from any other consumer credit reporting agency which compiles and maintains files on consumers on a nationwide basis. You have the right as described by Section 1785.16 of the California Civil Code to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency. This Agreement encompasses the entire agreement of the parties, and supersedes all previous understandings and agreements between the Parties, whether oral or written. Any modifications to this Agreement must be made in writing and signed by both parties. ARBITRATION PROVISION WAIVER OF JURY TRIAL AND ARBITRATION PROVISION. Arbitration is a process in which persons with a dispute: (a) waive their rights to file a lawsuit and proceed in court and to have a jury trial to resolve their disputes; and (b) agree, instead, to submit their disputes to a neutral third person (an "arbitrator") for a decision. Each party to the dispute has an opportunity to present some evidence to the arbitrator. Pre-arbitration discovery may be limited. Arbitration proceedings are private and less formal than court trials. The arbitrator will issue a final and binding decision resolving the dispute, which may be enforced as a court judgment. A court rarely overturns an arbitrator's decision. We have a policy of arbitrating all disputes with customers which cannot be resolved in a small claims tribunal, including the scope and validity of this Arbitration Provision and any right you may have to participate in an alleged class action. THEREFORE, YOU ACKNOWLEDGE AND AGREE AS FOLLOWS: For purposes of this Waiver of Jury Trial and Arbitration Provision, the words "dispute" and "disputes" are given the broadest possible meaning and include, without limitation (a) all claims, disputes, or controversies arising from or relating directly or indirectly to the signing of this Arbitration Provision, the validity and scope of this Arbitration Provision and any claim or attempt to set aside this Arbitration Provision; (b) all federal or state law claims, disputes or controversies, arising from or relating directly or indirectly to the Note, the information you gave us before entering into this Agreement, including the customer information application, and/or any past agreement or agreements between you and us; (c) all counterclaims, cross-claims and third-party claims; (d) all common law claims, based upon contract, tort, fraud, or other intentional torts; (e) all claims based upon a violation of any state or federal constitution, statute or regulation; (f) all claims asserted by us against you, including claims for money damages to collect any sum we claim you owe us; (g) all claims asserted by you individually against us and/or any of our employees, agents, directors, officers, shareholders, governors, managers, members, parent company or affiliated entities (hereinafter collectively referred to as "related third parties"), including claims for money damages and/or equitable or injunctive relief; (h) all claims asserted on your behalf by another person; (i) all claims asserted . Ll. I J re'p'resentathlle capacity, ag'ailzl'st us énd/or rellated third parties (hereinafter referred. to as "Representative Claims"); and/or (j) a|| claims arising from or relating directly or indirectly to the disclosure by us or related third parties of any non-public personal information about you. 1. You acknowledge and agree that by entering into this Arbitration Provision: (a) YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES; (b) YOU ARE GIVING UP YOUR RIGHT TO HAVE A COURT, OTHER THAN A SMALL CLAIMS TRIBUNAL, RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES; and (c) YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, AND/OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT FILED AGAINST US AND/OR RELATED THIRD PARTIES. 2. Except as provided in Paragraph 5 below, all disputes including any Representative Claims against us and/or related third parties shall be resolved by binding arbitration only on an individual basis with you. THEREFORE, THE ARBITRATOR SHALL NOT CONDUCT CLASS ARBITRATION; THAT IS, THE ARBITRATOR SHALL NOT ALLOW YOU TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY FOR OTHERS IN THE ARBITRATION. 3. Any party to a dispute, including related third parties, may send the other party written notice by certified mail return receipt requested of their intent to arbitrate and setting forth the subject of the dispute along with the relief requested, even if a lawsuit has been filed. Regardless of who demands arbitration, you shall have the right to select any of the following arbitration organizations to administer the arbitration: the American Arbitration Association (k 800-778-7879) http://www.adr.org or JAMS (1-800-352-5267) http://www.jamsadr.com. The parties may also agree to select an arbitrator who resides within your federal judicial district who is an attorney, retired judge, or arbitrator registered and in good standing with an arbitration association, and arbitrate in accordance with such arbitrator's rules. The party receiving notice of arbitration will respond in writing by certified mail return receipt requested within twenty (20) days. If you demand arbitration, you must inform us in your demand of the arbitration organization you have selected or whether you desire to select a local arbitrator. If related third parties or we demand arbitration, you must notify us within twenty (20) days in writing by certified mail return receipt requested of your decision to select an arbitration organization. If you fail to notify us, then we have the right to select an arbitration organization. The parties to such dispute will be governed by the rules and procedures of such arbitration organization applicable to consumer disputes, to the extent those rules and procedures do not contradict the express terms of this Arbitration Provision, including the limitations on the arbitrator below. You may obtain a copy of the rules and procedures by contacting the arbitration organization listed above. If neither the American Arbitration Association nor JAMS is available or willing to administer the arbitration and the parties cannot agree on a local arbitrator, then an arbitrator can be appointed by a court consistent with Section 5 of the FAA. 4. Regardless of who demands arbitration, at your request we will pay your portion of the arbitration expenses, including the filing, administrative, hearing and arbitrator's fees ("Arbitration Fees"). Throughout the arbitration, each party shall bear his or her own attorney's fees and expenses, such as witness and expert witness fees. The arbitrator shall apply applicable substantive law consistent with the FAA, and applicable statutes of limitation, and shall honor claims of privilege recognized at law. Any arbitration hearing will be conducted in the federal judicial district of your residence. The arbitrator may decide, with or without a hearing, any motion that is substantially similar to a motion to dismiss for failure to state a claim or a motion for summary judgment. In conducting the arbitration proceeding, the arbitrator shall not apply any federal or state rules of civil procedure or evidence. If allowed by statute or applicable law, the arbitrator may award statutory damages and/or reasonable attorney's fees and expenses. If the arbitrator renders a decision or an award in your favor resolving the dispute, we will reimburse you for any Arbitration Fees you have previously paid. At the timely request of any party, the arbitrator shall provide a written explanation for the award. The arbitrator's award may be filed with any court having jurisdiction. 5. All parties, including related third parties, shall retain the right to seek adjudication in a small claims tribunal in the county of your residence for disputes within the scope of such tribunal's jurisdiction. Any dispute, which cannot be adjudicated within the jurisdiction of a small claims tribunal, shall be resolved by binding arbitration. Any appeal of a judgment from a small claims tribunal shall be resolved by binding arbitration. 6. This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be governed by the FAA. 7. This Arbitration Provision is binding upon and benefits you, your respective heirs, successors and assigns. This Arbitration Provision is binding upon and benefits us, our successors and assigns, and related third parties. This Arbitration Provision continues in full force and effect, even if your obligations have been paid or discharged through bankruptcy. This Arbitration Provision survives any cancellation, termination, amendment, expiration or performance of any transaction between you and us and continues in full force and effect unless you and we otherwise agree in writing. Except for the waivers of representative actions contained in paragraphs 1(c) and 2, if any of this Arbitration Provision is held invalid, the remainder shall remain in effect. If the waivers of representative actions are held invalid, then this arbitration provision will be deemed null and void. OPT-OUT PROCESS You may choose to opt out of the Arbitration Provision, but only by following the process set-forth below. If you do not wish to be subject to this Arbitration Provision, then you must notify us in writing within sixty (60) calendar days of the date of this Note at the following address: Arbitration Opt-Out, LoanMe, Inc., 1900 S. State College Blvd., Suite 300, Anaheim, CA 92806. Your written notice must include your name, address, account number or social security number and a statement that you wish to opt out of this Arbitration Provision. YOU CERTIFY THAT YOU HAVE READ AND UNDERSTAND THIS ARBITRATION PROVISION AND AGREE TO BE BOUND TO ITS TERMS. Payments. You have previously authorized and requested us to initiate an automated clearinghouse or other electronic funds transfer ("EFI'") from the bank account identified on your Application (the "Bank Account") to make each payment required hereunder on the day it is due. You also authorize us to initiate an EFI' to or from the Bank Account to correct any erroneous payment and, in the event any EFI' is unsuccessful, to attempt such payment up to two additional times. You understand that unsuccessful EFl's may result in charges by your bank, and you agree that we are not liable for such charges. You have the right to notice of all transfers of amounts different from your regular payment, but you agree to receive notice 10 days prior to any given transfer only if the amount to be transferred varies by more than $50 from your regular payment amount. You also authorize us to withdraw funds from your account on additional days throughout the month in the event you are delinquent on your loan payments. Your request and authorization for us to initiate EFl's is entirely voluntary, and you may terminate this authorization by notifying us in writing via fax (844-904-7368) or email (customer.service@LoanMe.com) soon enough to allow us a reasonable opportunity to act on your termination (generally at least three business days in advance). You may also terminate your authorization for us to initiate EFl's directly with the financial institution at which your Bank Account is located. By signing this promissory note, you also authorize us to obtain payments from your Bank Account by creating and processing paper checks (each a "Check") in place of initiating any or all of the EFl's described above. Each Check will be in the amount of the payment that would have been initiated as an EFI', and each Check will be deposited by us for processing on or after the same day that the payment would have been initiated as an EFI'. We will type your name in the signature line of each Check, and you agree that your typed name constitutes your authorized signature. You acknowledge that an electronic image of each Check may be created and processed as a substitute check pursuant to the Check 21 Act. If you terminate your EFI' authorization as described above, this authorization to create Checks will also terminate. You may also cancel by notifying your financial institution orally or in writing at least three business days before the scheduled date of any transfer. THIS LOAN CARRIES A VERY HIGH INTEREST RATE. YOU MAY BE ABLE TO OBTAIN CREDIT UNDER MORE FAVORABLE TERMS ELSEWHERE. EVEN THOUGH THE TERM OF THE LOAN IS 85 MONTHS, WE STRONGLY ENCOURAGE YOU TO PAY OFF THE LOAN AS SOON AS POSSIBLE. YOU HAVE THE RIGHT TO PAY OFF ALL OR ANY PORTION OF THE LOAN AT ANY TIME WITHOUT INCURRING ANY PENALTY. YOU WILL, HOWEVER, BE REQUIRED TO PAY ANY AND ALL INTEREST THAT HAS ACCRUED FROM THE FUNDING DATE UNTIL THE PAYOFF DATE. YOU CERTIFY THAT NO PERSON HAS PERFORMED ANY ACT AS A BROKER IN CONNECTION WITH THE MAKING OF THIS LOAN. YOU CERTIFY THAT YOU HAVE READ AND UNDERSTAND THE AMORTIZATION SCHEDULE ON THIS LOAN (Click here to View) AND ARE ABLE TO REPAY THE LOAN PURSUANT TO ITS TERMS. YOU ARE NOT AWARE OF ANY CIRCUMSTANCES THAT MIGHT CAUSE YOU TO FILE FOR BANKRUPTCY Illlll- Illllll-l ‘Il- I Illlll- Illl PKUIELILUN IJUKLNU II'IE IWELVE I'IUN I I13 I'ULLUWLNU II'IE ERELUILUN UI' Il'l13 NUIE. YOU HAVE READ ALL OF THE TERMS AND CONDITIONS OF THIS PROMISSORY NOTE AND DISCLOSURE STATEMENT AND AGREE TO BE BOUND BY ITS TERMS. YOU UNDERSTAND AND AGREE THAT YOUR EXECUTION OF THIS NOTE SHALL HAVE THE SAME LEGAL FORCE AND EFFECT AS A PAPER CONTRACT. This Loan Is Made Pursuant To The California Finance Lender Law, Division 9 (commencing with Section 22000) of the Financial Code. FOR INFORMATION, CONTACT THE DEPARTMENT OF BUSINESS OVERSIGHT, STATE OF CALIFORNIA, LICENSE NO. 603-K061. EXHIBIT B Loan Id: Borrower's Name: '2107 RAINIER GUINID Loan Transaction History Principal Balance: Next Due Date: $6596.36 2017/05/01 Interest Rate: 82.0% Page 1 of 2 1 2017-01-11 2017-01-11 Beg'nning 6600 6600 Loan Origination Balance (loan (‘n ' ' ' X 2 2017-01-11 2017-02-01 Initial Interest 31 5.7 Loan Origination Due (FirstL Receivable onTenn) 3 2017-02-03 2017-02-01 ACH Payment 31 5.7 ACH Scheduled ACH for 2017-02-01 (1994764) -- ACHVendm=Nl A. SelemenD=1 9 947641 994764-- 201743203 2017-02d01 Allocate To First -3 15.7 Scheduled ACH Monthly for 2017-02-01 Receivable (1994764) -- ACHVendm=Nl A. SelemenD=1 9 947641 994764-- 5 2017-02-28 2017-03-01 Regular Monthly 1.76 451 Auto Receivable Receivable Sweep Create Monthly Receivable 6 2017-03-03 2017-03-01 ACH Payment 452.76 ACH Scheduled ACH for 2017-03 -01 (2071730) - ACHVendm=Nl A. SetemenD=20 717302071730-- 7 2017-03-03 2017-03-01 Allocate To -1.76 -451 6598.24 Scheduled ACH Monthly for 2017-03-01 Receivable (2071730) -- ACHVendox=Nl A. SetementID=20 717302071730-- $87 201703131 201704-01 Regular Monthly 1.88 450.88 Auto Receivable Receivable Sweep Create Monthly Receivable 9 2017-04-05 2017-04-01 ACH Payment 452.76 ACH Scheduled ACH for 2017-04-01 (2147985) -- ACHVendox=Nl A. Set11ementID=21 479852147985 -- 10 2017434415 2017-04d01 Allocate To -1.88 -450.88 6596.36 Scheduled ACH Monthly for 2017-04-01 Receivable (2147985) -- ACHVendox=Nl A. Set11ementID=21 479852147985 -- 11 2017-04-30 2017-05-01 Regular Monthly 2.01 450.75 15 Auto Receivable Receivable Sweep Create Monthly Receivable 1:2 201705-03 2017-05-01 ACH Payment 45276 ACH 16 Scheduled ACH for 2017-05 -01 (223 1013) 13 2017-05-03 2017-05-01 Allocate To -2.01 -450.75 6594.35 14 Scheduled ACH Monthly for 2017-05-01 Receivable (223 1013) I4 2017-05-03, Reverse Put in 2.01 450.75 6596.336 05/03/2017 ACH Suspense (Break reversed - NSF Allocaon) 15 2017-05-03 Revoke -2.01 -450.75 05/03/2017 ACH Receivable reversed - NSF {n . 16 2017-05-03 Reverse NSF 452.76 05/03/2017 ACH Payment reversed - NSF 17 2017-05-03 2017-05-03 NSF Fee 15 NSF 05/03/2017 ACH reversed - NSF 18 2017-05-03 2017-05-01 Regular Monthly 2.01 450.75 05/03/2017 ACH Receivable reversed - NSF 19 2017-05-09 2017-05-05 ACH Payment 452.76 ACH 22 Rerun ACH for 2017-05 -05 (2253867) :10 201705-09 2017d05-01 Allocate To -2.01 450.75 6594.35 21 Rerun ACH for Monthly 2017-05-05 P Receivable (2253867) 21 2017-05-09 Reverse Put in 2.01 450.75 6596.36 05/09/2017 ACH Suspense (Break reversed - NSF Allocalion) 201M A09 ReverseNSF 49217.6 0570912017 Payment reversed. Page 2 of 2 23 2017-05-16 2017-05-12 ACH Payment 452.76 ACH 26 Renm ACH for 2017-05-12 (2269739) F 3% 2017-05-16 2017-05-01 Allocate To 41.61" 451k“ 659435 ‘ 25' Renm ACH fol" Monthly 2017-05-12 Receivable (2269739) 25 2017-05-16 Reverse Put in 2.01 450.75 6596.36 05/16/2017 ACH Suspense (Break reversed - NSF Allocaon) 26 2017-05-16 Reverse NSF -452.’76 05/16/2017 ACH Payment reversed - NSF 27 2017-05-16 2017-05-16 Late Charge Fee 15 LATE 05/1 6/2017 ACH reversed - NSF 28 2017-05-31 2017-06-01 Regu a: Monthly 2.15 450.61 Auto Receivable Receivable Sweep Create Monthly Receivable 29 2017-06-06 2017-06-02 ACH Payment 452.76 ACH 32 Backend ACH for 2017-06-02 (2324412) 30 2017-06-06 2017-0501 Allocate To -2.01 450.75 6594.35 31 Backend ACH Monthly for 2017-06-02 Receivable (2324412) 31 2017-06-06 Reverse Put in 2.01 450.75 6596.36 06/06/2017 ACH Suspense (Break reversed - NSF Allocation) 32 2017-06-06 Reverse NSF -452.76 06/06/2017 ACH Payment reversed -NSF 33 2017-06-06 2017-06-06 NSF Fee 15 NSF 06/06/2017 ACH reversed - NSF 34 2017-06-1 3 2017-06-09 ACH Payment 452.76 ACH 37 Backend ACH for 2017-06-09 (2341866) 35 2017-06-13 2017-05-01 Allocate To -2.01 -450.75 6594.35 36 Backend ACH Monthly for 2017-06-09 Receivable (2341866) 36 2017-06413 Reverse Put in 2.01 450.75 6596.36 06/1 3/2017 ACH Suspense (Break reversed -NSF Allocation) 37 2017-06-13 Reverse NSF -452.76 06/1 3/2017 ACH Payment reversed - NSF 38 2017-06-16 2017-06-16 Late Charge Fee 15 LATE 42 Automated Fee Sweep 39 2017-06-20 2017-06-1 6 ACH Payment 452.76 ACH 43 Backend ACH for 2017-06-16 (2349476) .40 2017-06-20 2017-05-01 Allocate To -2.01 2450.75 6594.35 41 Backend ACH Monthly for 2017-06-16 Receivable (2349476) 41 2017-06-20 Reverse Put in 2.01 450.75 6596.36 06/20/2017 ACH Suspense (Break reversed - NSF Allocation) 4‘2 2017-06-20 Revoke -15 06/20/2017 ACH Receivable reversed - NSF {n . 43 2017-06-20 Reverse NSF -452.76 06/20/2017 ACH Payment reversed - NSF T44 2017a06-20 2017d06-16 Late Charge Fee 1,5 LATE 06/20/2017 ACH reversed - NSF 45 2017-06-30 2017-07-01 Regu arMonthly 2.29 450.47 Auto Receivable Receivable Sweep Create Monthly Receivable 22017907616 2017-07-16 Late Chm'ge Fee 11$ Automated Fee Sweep 47 2017-07-31 2017-08-01 Regu arMonthly 2.45 450.31 Auto Receivable Receivable Sweep Create Monthly Receivable 33 2017-08116 2017-08-16 Late Charge Fee 15 LATE Automated Fee Sweep 49 2017-08-31 2017-09-01 Regular Monthly 2.62 450.14 50 Auto Receivable Receivable Sweep Create Monthly Receivable 59 2017-09-01 Revoke -2.62 450.14 Charge o Receivable {n . 51 2017-09-01 2017-08-31 Charge-Off -6596.36 -1802.14 -90 Charge OffP ‘ . A J L i2 2017-09-01, 2017-09-01 RegularM‘onthly 2.62 459.14 Qharge‘V g?, » KOOONQUILWNu-t NNNNNNNNNHHh-kb-Ab-kb-b-h-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO Christopher D. Mandarich SB 220693 Ajay Sood SB325294 Hayk Stambultsyan SB320973 Elfldrflnififl"? Martin Weingarten SB 201906 FILED MANDARICH LAW GROUP, LLP try Superior [nun Inf Callfnrnla. Emmy {If San Maren 13.0. Box 109032 Chicago, 1L 60610 D“ 9/24/2021 877.285.4918 By Facsimile: 818.888.1260 D'IP-urrfllrk Attorneysfor Plaintifl: Arcadia Partner, LLC SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED Arcadia Partner, LLC, Case N0. 21 -CLJ-05201 Plaintiff, VS FILE BY FAX COMPLAINT FOR: 1. BREACH OF CONTRACT MARIE VILLAROSA, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant DEMAND: $3,760.59 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1. Plaintiff is and at all times herein mentioned, Arcadia Partner, LLC, and successor in interest to original creditor, LoanMe, Inc. 2. Plaintiff is a debt buyer, and is the sole owner of the debt at issue and its name and address is as follows: Arcadia Partner, LLC; 3050 Peachtree Rd NW, Atlanta, GA 30305. 3. The charge-off creditor at the time 0f charge-off is LoanMe, Inc., 1900 South State College Boulevard, Suite 300, Anaheim, CA 92806, and the account number associated with this debt is XX0838. 4. The subject credit account has been purchased by the following entities after charge-off: BUYERS HOLDINGS, LLC Who maintains an address at 1966 NE 123m Street, Station 209, North Miami, FL 33181. The subject credit account was transferred by BUYERS HOLDINGS, LLC t0 Plaintiff ARCADIA PARTNER, LLC, who maintains an address at 3050 Peachtree Road NW, Atlanta, GA 30305. COMPLAINT-l 0f5 EXhibit "78" KOOONONUILWNr-t NNNNNNNNNHh-h-kb-Ab-kb-h-h-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO 5. Plaintiff is informed and believes that Defendant are individuals Who currently reside Within the jurisdictional boundaries 0f the above entitled Court. Therefore, this Court is the proper Court for trial 0f this action. 6. The name and last known address of the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0fthe debt is MARIE VILLAROSA , 116 CARNELIAN ROAD , SOUTH SAN FRANCISCO, CA 94080. 7. Plaintiff is unaware of the true names 0r capacities, Whether individual, corporate, associate or otherwise ofthe Defendant sued herein as DOES 1 through 10 inclusive, and therefore, sued the Defendant by such fictitious names. PlaintiffWill amend this Complaint t0 show their true names and capacities once ascertained. 8. Plaintiff believes and at all times mentioned herein, each 0f the Defendant was, and is, the agent, servant and employee, employer of each of the other Defendant, and also acted in the capacity of and as agent 0f the other Defendant. Plaintiff also believes that the individual Defendant, and each 0f them, are jointly and severally liable that the actions described herein were taken as actions for the benefit 0f the Defendant's separate and/or community property. 9. Plaintiff believes that, for value received, Defendant and each of them, executed and delivered a credit application to the original creditor, LoanMe, Inc. 0r made such application over the telephone 0r Internet. Pursuant to the aforementioned application, LoanMe, Inc. provided Defendant With a credit account, and granted use privileges 0n the same, account number XX0838 (hereinafter “Account”). 10. Prior t0 the commencement of this action, the Account was assigned for value to the Plaintiff and Plaintiff is its current holder. 11. Defendant agreed t0 comply with the terms governing the use of the Account, as it was amended from time to time, including repaying LoanMe, Inc. and any successors in interest, for any charges on the Account including, but not limited to, charges for purchase 0f goods and service and/or cash advances and balance transfers along with late charges, over limits charges related thereto. COMPLAINT-2 0f 5 KOOONONUI-bUJNr-t NNNNNNNNNHh-h-kb-Ab-b-h-h-HH OONQMJ>WN~O©OOQONM$UJNHO 12. Defendant used the Account t0 make purchases and/or t0 take cash advances and/or to make balance transfers. Each time the Defendant used the Account t0 purchase goods and services and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement to repay LoanMe, Inc. and its successors in interest for the amount 0f the purchase and/or cash advances and/or balance transfers, along With such other charges as may be assessed pursuant to the terms governing the Account. 13. The date 0f last payment 0n the subj ect account was on April 14, 2017. 14. Within the last four years, the Defendant failed to make payments as agreed on the Account. Defendant has failed, refused and neglected t0 pay amounts due on the Account. 15. The debt balance at Charge-offwas $3760.59, and upon information and beliefthere is $0.00 in post charge off fees and there is $0.00 in post charge off interest. 16. Subsequent t0 charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $3,760.59. 17. Although demand has been made upon said Defendant t0 pay said amount, n0 part has been paid, and it is now due and owing. 18. Upon information and belief, LoanMe, Inc. and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 19. Plaintiff has complied With California Civil Code Section 1788.52. 20. Plaintiff has attached hereto as Exhibit A and incorporated herein by reference a copy ofBilling Statement and/or Loan File provided t0 the Defendant While the account was active, demonstrating that the debt was incurred by the Defendant. 21. Plaintiff has attached hereto as Exhibit B and incorporated herein by reference a copy of the Final Billing Statement and/or Transaction History. 22. Upon opening the Account with LoanMe, Inc., the Defendant agrees to reimburse LoanMe, Inc., and hence Plaintiff as successor in interest for the costs related to the collection 0f amounts owing on the Account. Plaintiff has been required t0 retain Mandarich Law Group, LLP t0 pursue collection of the amount due hereunder. COMPLAINT-3 0f 5 \OOOflQUl-RUJNH NNNNNNNNNHr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNh-‘OKOOOQQUl-bUJNF-‘O FIRST CAUSE OF ACTION (Breach of Contract) 23. Plaintiff refers to and incorporates paragraphs 1 through 22. 24. LoanMe, Inc. extended a credit loan t0 the Defendant. 25. Defendant accepted the terms and conditions 0f the Account by Defendant use of the Account to make purchases and/or t0 take cash advances and/or t0 make balance transfers. 26. Defendant have breached the terms and conditions governing the Account by failing to pay amounts due and owing on the Account. 27. As a direct and proximate result thereof, Plaintiff has been damaged in the amount 0f $3,760.59. SECOND CAUSE OF ACTION (Open Book Account) 28. Plaintiff refers t0 and incorporates paragraphs 1 through 27. 29. Within the past 4 years, Defendant and each ofthem became indebted in the amount of the previously mentioned herein for a balance due on a book account for goods sold and delivered and/or services rendered by LoanMe, Inc. Although demand has been made upon Defendant, said amount 0f $3,760.59 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 0f 5 KOOONONUI-bUJNr-t NNNNNNNNNHh-kb-Ab-Ab-b-h-h-Hb-t OONQMJ>WN~O©OONONM$UJNHO WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $3,760.59, 2. For costs of suit incurred; and 3. For such other and further relief as the Court deems just and proper. 4. Plaintiff remits all damages in excess of the jurisdictional amount 0f this Court. Dated: 09/17/2021 By: MANDARICH LAW GROUP, LLP [X] Christopher D. Mandarich, Esq. Attorneysfor Plaintifl COMPLAINT-5 0f 5 EXHIBIT A LOANME, INC. PROMISSORY NOTE AND DISCLOSURE STATEMENT Loan No.: .0838 Date of Note: July 01, 2015 Expected Funding Date: July 02, 2015 Lender: LoanMe, Inc. Borrower: MARIE VILLAROSA Address: 1900 S. State College Boulevard Suite Address: 116 CARNELIAN ROAD 300 SOUTH SAN FRANCISCO, CA 94080 Anaheim, CA 92806 In this Promissory Note and Disclosure Statement ("Note"), the words "you" and "your" mean the person signing as a borrower. "We," "us,", and "our," mean LoanMe, Inc. and any subsequent holder of this Note. TRUTH IN LENDING ACT DISCLOSURE STATEMENT ANNUAL FINANCEPERCENTAGE CHARGE AMOUNT FINANCED TOTAL OF PAYMENTSRATE . . The amount you will haveThe cost of your credit as The dollar amount the The amount of credit paid after a” payments area yearly rate credit WIII cost you prowded to you made as scheduled I 184.36 % I $16,101.02 I $2,525.00 $18,626.02 PAYMENT SCHEDULE One payment of $387.83 on August 01, 2015. 46 monthly payments of $388.40 beginning on September 01, 2015. One payment of $371.79 on July 01, 2019. Late Charge: If a payment is more than 15 days late, you will be charged $15.00. Prepayment: If you pay off this loan early, you will not have to pay any penalty. Please see the remainder of this document for additional information about nonpayment, default and any required repayment in full before the scheduled date. ITEMIZATION OF AMOUNT FINANCED Amount Financed: $2,525.00 Amount Paid to Borrower Directly: $2’525'00 Prepaid Finance Charge/Origination $75.00 Fee: This Note is in original format an electronic document fully compliant with the Electronic Signatures in Global and National Commerce Act (E-SIGN) and other applicable laws and regulations, and that the one, true original Note is retained electronically by us. All other versions hereof, whether electronic or in tangible format, constitute facsimiles or reproductions only. FOR VALUE RECEIVED, you promise to pay to the order of LoanMe, Inc., or any subsequent holder of this Note the sum of $2,600.00, together with interest calculated at 179.00 % and any outstanding charges or late fees, until the full amount of this Note is paid. Your payments will be applied first to any outstanding charges or late fees, then to earned interest and finally to principal. The payment schedule disclosed above is only an estimate and may change in the event you do not make all payments as scheduled. Your interest is calculated on a 360/360 simple interest basis. This means that interest is calculated by dividing the annual Interest Rate disclosed above by 360, multiplying that number by the outstanding principal balance, and multiplying that number by the number of days the principal balance is outstanding, assuming that each full month is comprised of 30 days. You may prepay all or any part of the principal at any time without penalty. You will be subject to a fee of $15 if any payment you make is returned for non-sufficient funds. You agree that all payments not made within fifteen (15) days of the due date shall be subject to a late fee of $15.00. The origination fee included in the prepaid finance charge/origination fee disclosed above is fully earned upon loan origination, and is not subject to rebate upon prepayment or acceleration of this Note and is not considered interest. This Note shall take effect as a sealed instrument and shall be construed, governed and enforced in accordance with the laws of the State of California. You have previously consented to receive all communications from us, including but not limited to, all required disclosures via electronic mail. This means that all communications from us will be delivered in electronic form. You understand and agree that we may obtain credit reports on you an ongoing basis as long as this loan remains in effect. You also authorize us to report information concerning your account to credit bureaus. You understand that, from time to time, we may monitor or record telephone calls between you and us. You hereby consent to have your calls monitored or recorded. You agree that in the event we need to contact you to discuss your account or the repayment of your loan, we may telephone you at any number, including any cell phone number provided or obtained, and that we may leave an autodialed or prerecorded message or use other technology to make that contact or to communicate to you the status of your account. You may cancel this consent by providing us with notice. A married or registered domestic partner applicant may apply for a separate account. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. If we take any adverse action as defined by Section 1785.3 of the California Civil Code and the adverse action is based, in whole or in part, on any information contained in a consumer credit report, you have the right to obtain within 60 days a free copy of your consumer credit report from the consumer reporting agency who furnished us your consumer credit report and from any other consumer credit reporting agency which compiles and maintains files on consumers on a nationwide basis. You have the right as described by Section 1785.16 of the California Civil Code to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency. This Agreement encompasses the entire agreement of the parties, and supersedes all previous understandings and agreements between the Parties, whether oral or written. Any modifications to this Agreement must be made in writing and signed by both parties. If you fail to make any payment due under this Note, we shall have the right, after a 30-day grace period, to declare this Note to be immediately due and payable. If you file for an assignment for the benefit of creditors, bankruptcy, or for relief under any provisions of the United States Bankruptcy Code, we shall have the right to declare this Note to be immediately due and payable. In the event that we are required to employ an attorney at law to collect any amounts due under this Note, you will be required to pay the reasonable fees of such attorney to protect our interest or to take any other action required to collect the amounts due hereunder. ARBITRATION PROVISION GOVERNING LAW. This Note will be governed by the laws of the State of California except to the extent governed by federal law. This Arbitration Provision is governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16 ("FAA"). WAIVER OF JURY TRIAL AND ARBITRATION PROVISION. Arbitration is a process in which persons with a dispute: (a) waive their rights to file a lawsuit and proceed in court and to have a jury trial to resolve their disputes; and (b) agree, instead, to submit their disputes to a neutral third person (an "arbitrator") for a decision. Each party to the dispute has an opportunity to present some evidence to the arbitrator. Pre-arbitration discovery may be limited. Arbitration proceedings are private and less formal than court trials. The arbitrator will issue a final and binding decision resolving the dispute, which may be enforced as a court judgment. A court rarely overturns an arbitrator's decision. We have a policy of arbitrating all disputes with customers which cannot be resolved in a small claims tribunal, including the scope and validity of this Arbitration Provision and any right you may have to participate in an alleged class action. THEREFORE, YOU ACKNOWLEDGE AND AGREE AS FOLLOWS: For purposes of this Waiver of Jury Trial and Arbitration Provision, the words "dispute" and "disputes" are given the broadest possible meaning and include, without limitation (a) all claims, disputes, or controversies arising from or relating directly or indirectly to the signing of this Arbitration Provision, the validity and scope of this Arbitration Provision and any claim or attempt to set aside this Arbitration Provision; (b) all federal or state law claims, disputes or controversies, arising from or relating directly or indirectly to the Loan Agreement, the information you gave us before entering into this Agreement, including the customer information application, and/or any past agreement or agreements between you and us; (c) all counterclaims, cross-claims and third-party claims; (d) all common law claims, based upon contract, tort, fraud, or other intentional torts; (e) all claims based upon a violation of any state or federal constitution, statute or regulation; (f) all claims asserted by us against you, including claims for money damages to collect any sum we claim you owe us; (g) all claims asserted by you individually against us and/or any of our employees, agents, directors, officers, shareholders, governors, managers, members, parent company or affiliated entities (hereinafter collectively referred to as "related third parties"), including claims for money damages and/or equitable or injunctive relief; (h) all claims asserted on your behalf by another person; (i) all claims asserted by you as a private attorney general, as a representative and member of a class of persons, or in any other representative capacity, against us and/or related third parties (hereinafter referred to as "Representative Claims"); and/or (j) all claims arising from or relating directly or indirectly to the disclosure by us or related third parties of any non-public personal information about you. 1. You acknowledge and agree that by entering into this Arbitration Provision: (a) YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES; (b) YOU ARE GIVING UP YOUR RIGHT TO HAVE A COURT, OTHER THAN A SMALL CLAIMS TRIBUNAL, RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES; and (c) YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, AND/OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT FILED AGAINST US AND/OR RELATED THIRD PARTIES. 2. Except as provided in Paragraph 5 below, all disputes including any Representative Claims against us and/or related third parties shall be resolved by binding arbitration only on an individual basis with you. THEREFORE, THE ARBITRATOR SHALL NOT CONDUCT CLASS ARBITRATION; THAT IS, THE ARBITRATOR SHALL NOT ALLOW YOU TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATrORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY FOR OTHERS IN THE ARBITRATION. 3. Any party to a dispute, including related third parties, may send the other party written notice by certified mail return receipt requested of their intent to arbitrate and setting forth the subject of the dispute along with the relief requested, even if a lawsuit has been filed. Regardless of who demands arbitration, you shall have the right to select any of the following arbitration organizations to administer the arbitration: the American Arbitration Association (L 800-778-7879) http://www.adr.org or JAMS (1-800-352-5267) http://www.jamsadr.com. The parties may also agree to select an arbitrator who resides within your federal judicial district who is an attorney, retired judge, or arbitrator registered and in good standing with an arbitration association, and arbitrate in accordance with such arbitrator's rules. The party receiving notice of arbitration will respond in writing by certified mail return receipt requested within twenty (20) days. If you demand arbitration, you must inform us in your demand of the arbitration organization you have selected or whether you desire to select a local arbitrator. If related third parties or we demand arbitration, you must notify us within twenty (20) days in writing by certified mail return receipt requested nF l-n an-InH-n-al-Inn TC l-n nnl-‘F a- l-Innn Inauus l-Inn n-Inlnl- l-n UI YUUI LU all GIUILIGLIUII UlyalllLaLlUll- 1| YUU Iall LU IIULIIy ua, LIICII WC Ilavc Lllc Ilylll. LU all arbitration organization. The parties to such dispute will be governed by the rules and procedures of such arbitration organization applicable to consumer disputes, to the extent those rules and procedures do not contradict the express terms of this Arbitration Provision, including the limitations on the arbitrator below. You may obtain a copy of the rules and procedures by contacting the arbitration organization listed above. 4. Regardless of who demands arbitration, at your request we will pay your portion of the arbitration expenses, including the filing, administrative, hearing and arbitrator's fees ("Arbitration Fees"). Throughout the arbitration, each party shall bear his or her own attorney's fees and expenses, such as witness and expert witness fees. The arbitrator shall apply applicable substantive law consistent with the FAA, and applicable statutes of limitation, and shall honor claims of privilege recognized at law. The arbitration hearing will be conducted in the county of your residence. The arbitrator may decide, with or without a hearing, any motion that is substantially similar to a motion to dismiss for failure to state a claim or a motion for summary judgment. In conducting the arbitration proceeding, the arbitrator shall not apply any federal or state rules of civil procedure or evidence. If allowed by statute or applicable law, the arbitrator may award statutory damages and/or reasonable attorney's fees and expenses. If the arbitrator renders a decision or an award in your favor resolving the dispute, we will reimburse you for any Arbitration Fees you have previously paid. At the timely request of any party, the arbitrator shall provide a written explanation for the award. The arbitrator's award may be filed with any court having jurisdiction. 5. All parties, including related third parties, shall retain the right to seek adjudication in a small claims tribunal in the county of your residence for disputes within the scope of such tribunal's jurisdiction. Any dispute, which cannot be adjudicated within the jurisdiction of a small claims tribunal, shall be resolved by binding arbitration. Any appeal of a judgment from a small claims tribunal shall be resolved by binding arbitration. 6. This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be governed by the FAA. If a final non-appealable judgment of a court having jurisdiction over this transaction finds, for any reason, that the FAA does not apply to this transaction, then our agreement to arbitrate shall be governed by the arbitration law of the State of California. 7. This Arbitration Provision is binding upon and benefits you, your respective heirs, successors and assigns. This Arbitration Provision is binding upon and benefits us, our successors and assigns, and related third parties. This Arbitration Provision continues in full force and effect, even if your obligations have been paid or discharged through bankruptcy. This Arbitration Provision survives any cancellation, termination, amendment, expiration or performance of any transaction between you and us and continues in full force and effect unless you and we otherwise agree in writing. If any of this Arbitration Provision is held invalid, the remainder shall remain in effect. OPT-OUT PROCESS You may choose to opt out of the Arbitration Provision, but only by following the process set-forth below. If you do not wish to be subject to this Arbitration Provision, then you must notify us in writing within sixty (60) calendar days of the date of this Note at the following address: Arbitration Opt-Out, LoanMe, Inc., 1900 S. State College Blvd., Suite 300, Anaheim, CA 92806. Your written notice must include your name, address, account number or social security number and a statement that you wish to opt out of this Arbitration Provision. YOU CERTIFY THAT YOU HAVE READ AND UNDERSTAND THIS ARBITRATION PROVISION AND AGREE TO BE BOUND TO ITS TERMS. Payments. You have previously authorized and requested us to initiate an automated clearinghouse or other electronic funds transfer ("EFI'") from the bank account identified on your Application (the "Bank Account") to make each payment required hereunder on the day it is due. You also authorize us to initiate an EFI' to or from the Bank Account to correct any erroneous payment and, in the event any EFI' is unsuccessful, to attempt such payment up to two additional times. You understand that unsuccessful EFl's may result in charges by your bank, and you agree that we are not liable for such charges. We will notify you 10 days prior to any given transfer if the amount to be transferred varies by more than $50 from your regular payment amount. You also authorize us to withdraw funds from your account on additional days throughout the month in the event you are delinquent on your loan payments. Your request and authorization for us to initiate EFl's is entirely voluntary, and you may terminate this authorization by notifying us in writing via fax (844-904-7368) or email (customer.service@LoanMe.com) soon enough to allow us a reasonable opportunity to act on your termination (generally at least three business days in advance). By signing this promissory note, you also authorize us to obtain payments from your Bank Account by creating and processing paper checks (each a "Check") in place of initiating any or all of the EFl's described above. Each Check will be in the amount of the payment that would have been initiated as an EFI', and each Check will be deposited by us ror processmg on or arter tne same aay tnat tne payment woum nave been Inltlatea as an I:I-I. we wm type your name in the signature line of each Check, and you agree that your typed name constitutes your authorized signature. You acknowledge that an electronic image of each Check may be created and processed as a substitute check pursuant to the Check 21 Act. If you terminate your EFI' authorization as described above, this authorization to create Checks will also terminate. You may also cancel by notifying your financial institution orally or in writing at least three business days before the scheduled date of any transfer. THIS LOAN CARRIES A VERY HIGH INTEREST RATE. YOU MAY BE ABLE TO OBTAIN CREDIT UNDER MORE FAVORABLE TERMS ELSEWHERE. EVEN THOUGH THE TERM OF THE LOAN IS 48 MONTHS, WE STRONGLY ENCOURAGE YOU TO PAY OFF THE LOAN AS SOON AS POSSIBLE. YOU HAVE THE RIGHT TO PAY OFF ALL OR ANY PORTION OF THE LOAN AT ANY TIME WITHOUT INCURRING ANY PENALTY. YOU WILL, HOWEVER, BE REQUIRED TO PAY ANY AND ALL INTEREST THAT HAS ACCRUED FROM THE FUNDING DATE UNTIL THE PAYOFF DATE. YOU CERTIFY THAT NO PERSON HAS PERFORMED ANY ACT AS A BROKER IN CONNECTION WITH THE MAKING OF THIS LOAN. YOU CERTIFY THAT YOU HAVE READ AND UNDERSTAND THE AMORTIZATION SCHEDULE ON THIS LOAN. Click here to view. YOU HAVE READ ALL OF THE TERMS AND CONDITIONS OF THIS PROMISSORY NOTE AND DISCLOSURE STATEMENT AND AGREE TO BE BOUND BY ITS TERMS. YOU UNDERSTAND AND AGREE THAT YOUR EXECUTION OF THIS NOTE SHALL HAVE THE SAME LEGAL FORCE AND EFFECT AS A PAPER CONTRACT. This Loan Is Made Pursuant To The California Finance Lender Law, Division 9 (commencing with Section 22000) of the Financial Code. FOR INFORMATION, CONTACT THE DEPARTMENT OF BUSINESS OVERSIGHT, STATE OF CALIFORNIA, LICENSE NO. 603-K061. EXHIBIT B Loan Id: Borrower's Name: .0838 MARIE VILLAROSA Loan Transaction History Principal Balance: Next Due Date: $25686 2017/05/01 Interest Rate: 179.0% Page 1 of 5 2015-07-02 2015-07-02 Beg'nning Balance (loan G: ' ' ' X 2600 2600 Loan Originaon 2015-07-02 2015-08-01 Inial Interest Due (First Receivable on Tenn) 387.83, Loan Origination 2015-08-18 2015-08-15 ACH Payment 387.83 ACH Scheduled ACH for 201 5-08-15 (43 1493) -- ACHVendm=Nl A etementID=43 1493431493-- 2015438418 2015-0801 Allocate To First Monthly Receivable -387.83 Scheduled ACH for 201 5-08-15 (43 1493) -- ACHVendor=Nl A etementID=43 1493431493-- 2015-08-31 2015-09-01 Regular Monthly Receivable .57 387.83 Auto Receivable Sweep Create Monthly Receivable 2015-09-17 2015-09-15 ACH Payment 388.4 ACH Scheduled ACH for 201 5-09-15 (494083) -- ACHVendor=Nl A SememuD=49 4083494083-- 2015-09-17 2015-09-01 Allocate To Monthly Receivable -.57 -387.83 2599.43 Scheduled ACH for 201 5-09-15 (494083) -- ACHVendor=Nl A SememuD=49 4083494083-- 2015-09-30 2015-10-01 Regular Monthly Receivable 587575? Auto Receivable Sweep Create Monthly Receivable 2015-10-20 2015-10-15 ACH Payment 388.4 ACH Scheduled ACH for 201 5-10-15 (557714) -- ACHVendor=Nl A. SetementID=5 5 7714557714-- 10 2015-10-20 2015-1001 Allocate To Monthly Receivable -.65 -387.75 2598.78 Scheduled ACH for 201 5-10-15 (557714) -- ACHVendor=Nl A. SetementID=55 7714557714-- ll 2015-10-31 2015-11-01 Regular Monthly Receivable .75 387.65 Auto Receivable 12 2015-11-18 2015-11-15 ACH Payment 388.4 ACH Scheduled ACH for 201 5-11-15 (627995) -- ACHVendor=Nl A. SetemenD=62 7995627995-- l3 2015-11-18 2015-11-01 Allocate To Monthly Receivable -.75 -387.65 2598.03 Scheduled ACH for 2015-11-15 (627995) -- ACHVendor=Nl A. SetementID=62 7995627995-- Iii 2015411-30 2015-12-01 Regular Monthly Receivable 58154 Auto Receivable 15 2015-12-17 2015-12-15 ACH Payment 388.4 ACH Scheduled ACH for 201 5-12-15 (696387) -- ACHVendor=Nl A SememuD=69 6387696387-- 16 2015-12-17 2015-1201 Allocate To Monthly Receivable -.86 -387.54 2597.17 Scheduled ACH for 201 5-12-15 (696387) -- ACHVendor=Nl A Sememeun=69 6387696387-‘ Page 2 of 5 17 2015-12-31 2016-01-01 Regula: Monthly Receivable .99 387.41 Auto Receivable Sweep Create Monthly Receivable 1‘8 2016-01-20 2016-01-15 ACH Payment 388.4 ACH Scheduled ACH for 201 6-01 -15 (7S8820) -- ACHVendm=Nl A. SettlementID=7S 8820758820-- 19 2016-01-20 2016-01-01 Allocate To Monthly Receivable -.99 -387.41 2596.18 Scheduled ACH for 201 6-01 -15 (7S8820) -- ACHVendoFN/ A. SettlementID=7S 8820758820-- 201650181 2016-02-01 Regula’: Monthly Receivable 131:4 387226 Auto Receivable Sweep Create Monthly Receivable 21 2016-02-18 2016-02-15 ACH Payment 388.4 ACH Scheduled ACH for 201 6-02-15 (833457) -- ACHVendoFN/ A. SettlementID=83 3457833457-- 2016-02-18 2016-0201 Allocate To Monthly Receivable -1.14 387.26 2595.04 Scheduled ACH for 201 6-02-15 (833457) -- ACHVendoFN/ A. SettlementID=83 3457833457-- 23 2016-02-29 2016-03-01 Regula: Monthly Receivable 1.31 387.09 Auto Receivable Sweep Create Monthly Receivable 2016-03-17 2016-03-15 ACH Payment 388.4 ACH Scheduled ACH for 201 6-03-15 (894020) -- ACHVendor=Nl A SememD=89 4020894020.- 25 2016-03-17 2016-03-01 Allocate To Monthly Receivable -1.31 -387.09 2593.73 Scheduled ACH for 201 6-03-15 (894020) -- ACHVendor=Nl A SememuD=89 4020894020-- 2016403431 2016-04-01 Regular Monthly Receivable 38639 Auto Receivable Sweep Create Monthly Receivable 27 2016-04-19 2016-04-15 ACH Payment 388.4 ACH Scheduled ACH for 201 6-04-1 5 (976978) -- ACHVendor=Nl A. SettlementID=97 6978976978-- 2016-04-19 2016-0401 Allocate To Monthly Receivable 386.9 2592.23 Scheduled ACH for 201 6-04-15 (976978) -- ACHVendor=Nl A. SettlementID=97 6978976978-- 29 2016-04-30 2016-05-01 Regular Monthly Receivable 1 .73 386.67 Auto Receivable 30 2016-05-18 2016-05-15 ACH Payment 388.4 ACH Scheduled ACH for 201 6-05-15 (1093570) - ACHVendor=Nl A. SettlementID=10 935701093570-- 31 2016-05-18 2016-05-01 Allocate To Monthly Receivable -1.73 -386.67 2590.5 Scheduled ACH for 201 6-05-15 (1093570) -- ACHVendor=Nl A. SettlementID=10 935701093570-- 201640541 2016-06-01 Regular’ Monthly Receivable 336.42 Auto Receivable Sweep Create Monthly Receivable 33 2016-06-21 2016-06-15 ACH Payment 388.4 ACH 36 Schemed ACH forzols-os-ls (1 155878) 2016-06-21 2016-06-01 Allocate To Monthly Receivable -1 .98, 686.42 2588.52 35 Schema ACH for 201 6-0815 (1 155878) 35 2016-06-21 Reverse Put in Suspense (Break Allocation) 1.98 386.42 2590.5 06/21/201 6 ACH reversed - NSF 3,6 2016-06-21 Reverse NSF Payment -388.4 06/21/201 6 ACH reversed - NSF 37 2016-06-21 2016-06-21 NSF Fee 15 NSF 06/21/201 6 ACH reversed - NSF 38 2016-06421 2016-06-16 Late Charge Fee 1’5 LATE 56 06/21/201 6 ACH reversed - NSF Page 3 of 5 39 2016-06-28 2016-06-24 ACH Payment 388.4 ACH 42 Renm ACH for 20 16-06-24 (1 174674) F W 2016i06#28 201606-01 Allocate To -I .98 4386.12 258832" 41 Renm ACH fm" Monthly 2016-06-24 Receivable (1174674) 41 2016-06-28 Reverse Put in 1.98 386.42 2590.5 06/28/2016 ACH Suspense (Break reversed - NSF Allocaon) ‘ 42 201643628, Reverse NSF 4388144 06/28/2016 ACH Payment reversed - NSF 43 2016-06-30 2016-07-01 Regular Monthly 2.28 386.12 44 Auto Receivable Receivable Sweep Create Monthly Receivable 44 2016-0701 Revoke -2;28 386,112 RerunACH for Receivable 2016-06-29 (n - (1 179017) 45 2016-07-01 2016-06-29 ACH Payment 388.4 ACH 50 Rerun ACH for 20 16-06-29 (1 179017) 46 2016-07-01 2016-06-01 Allocate To -1 .98 -386.42 2588.52 48 RerunACH for Monthly 2016-06-29 Receivable (1 179017) 47 2016-07-01 2016-07-01 Regular Monthly 2.28 386.12 49 Rerun ACH for Receivable 2016-06-29 (1 179017) 48 2016-07-01 Reverse Put in 1.98 386142 2590.5 07/01/201 6 ACH Suspense (Break reversed - NSF Allocation) 49 2016-07-01 Revoke -2.28 -386.12 07/01/2016 ACH Receivable reversed - NSF {n . 50 2016-07-01 Reverse NSF -388.4 07/01/201 6 ACH P Payment reversed - NSF 51 2016-07-01 2016-07-01 NSF Fee 15 NSF 07/01/201 6 ACH reversed - NSF 52 2016-07-01 2016-07-01 Regular Monthly 2.28 386.12 58 07/01/201 6 ACH Receivable reversed - NSF 53 2016-07-1 9 2016-07-1 5 ACH Payment 388.4 ACH Request ACH2016-07-15 (1278841) -- ACHVendor=Nl A. SelementlD=1 2 788411278841 -- '54 2016-07-1 9 2016-06-01 Allocate To -1.98 -386.42 2588.52 Request Monthly ACH2016-07-15 Receivable (1278841) .- ACHVendoI=NI A. SetementID=12 788411278841- 55 2016-07-20 Reduce -15 Change Terms Receivable S6 2016-07-20 Revoke loan -15 Change Terms Mod Receivable 57 2016-07-20 Reduce -15 Change Terms Receivable 58 2016-07-20 Revoke loan -2.28 -386.12 Change Terms Mod Receivable 59 2016-07-20 2016-07-01 Change Terms 0 2588.52 Change Terms 60 2016-07-20 2016-09-01 Initial Interest 2.28 386.12 Change Terms Due (First Receivable on Term) 61 2016-09-07 2016-09-01 ACH Payment 388.4 ACH 64 Scheduled ACH for 201 6-09-01 (141 1209) 6,2 2016-09-07 2016-09-01 Allocate To First 4,2,3, 686.12 2586.24 63 Scheduled ACH Monthly for 201 6-09-01 Receivable (141 1209) 63 2016-09-07 Reverse Put in 2.28 386.12 2588.52 09/07/201 6 ACH Suspense (Break reversed - NSF Allocation) 64 2016-09-07 Reverse NSF -388.4 09/07/201 6 ACH Payment reversed - NSF 65 2016-09-07 2016-09-07 NSF Fee 15 NSF 09/07/201 6 ACH reversed - NSF 66 2016-09-16 2016-09-16 Late Charge Fee 1:5 LATE 98 Automated Fee Sweep 67 2016-09-30 2016-09-23 ACH Payment 388.4 ACH Rerun ACH for 20 16-09-23 (1459241) -- ACHVendol=Nl A. Set11ementID=14 592411459241 -- 68 2016-09-30 2016-09-01 Allocate To First -2;28 -386. 12 2586.24 Rerun ACH for Monthly 2016-09-23 Receivable (1459241) .- ACHVendol=Nl A. Set11ementID=14 592411459241 -- 69 2016-09-30 2016-10-01 Regular Monthly 2.62 385.78 Rerun ACH for Receivable 2016-09-23 (1459241) 5m 2016-10-12 2016-10-07 ACH Payment 388.4 Adi 73 Scheduled ACH for 2016-10-01 (1 509810) Page 4 of 5 71 2016-10-12 2016-10-01 Allocate To -2.62 -385.78 2583.62 72 Scheduled ACH Monthly for 201 6-10-01 Receivable (1509810) 72 2016-10-12 Reverse Put in 2‘62 7383,73, 258624 10/1Z201 6 ACH Suspense (Break reversed - NSF Allocaon) 73 2016-10-12 Reverse NSF -388.4 10/1Z2016 ACH Payment reversed - NSF ‘74 2016-10-12 2016-10-12 NSF Fee 15 NSF 10/1W2016 ACH reversed - NSF 7S 2016-10-18 2016-10-14 ACH Payment 388.4 ACH 78 Rerun ACH for 2016-10-14 (1 529024) ‘76 2016-10-18 2016-10-01 Allocate To -2.62’ 385.78 2583.62 77 Rerun ACH for Monthly 2016-10-14 Receivable (1 529024) 77 2016-10-18 Reverse Put in 2.62 385.78 2586.24 10/18/2016 ACH Suspense (Break reversed - NSF Allocation) ’78 2016-10-1 8 Reverse NSF -388.4 10/1 8/201 6 ACH Payment reversed -NSF 79 2016-10-18 2016-10-16 Late Charge Fee 15 LATE 101 10/18/2016 ACH reversed - NSF 80 2016-10-25 2016-10-21 ACH Payment 388.4 ACH 83 Rerun ACH for 2016-10-21 (1 547592) 81 2016-10-25 2016-10-01 Allocate To -2.62 -385.78 2583.62 82 Rerun ACH for Monthly 2016-10-21 Receivable (1547592) 82 2016-10-25 Reverse Put in 2.62 385.78 2586.24 10/25/201 6 ACH Suspense (Break reversed -NSF Allocation) 83 2016-10-25 Reverse NSF -388.4 10/25/201 6 ACH Payment reversed - NSF 84 2016-10-31 2016-1 1-01 Regular Monthly 3.01 385.39 103 Auto Receivable Receivable Sweep Create Monthly Receivable 85 2016-1 1-08 2016-1 1-04 ACH Payment 388.4 ACH 88 Backend ACH for 201 6-1 1 -04 (1 600373) 86 2016-1 1-08 2016-10-01 Allocate To -2.62 4385.78; 2583.62 87 Backend ACH Monthly for 201 6-1 1 -04 Receivable (1600373) 87 2016-11-08 Reverse Put in 2.62 385.78 2586.24 11/08/2016 ACH Suspense (Break reversed - NSF Allocation) 88 2016-1 1-08 Reverse NSF -388.4 1 1/08/201 6 ACH Payment reversed - NSF 89 2016-11-08 2016-11-08 NSF Fee 15 NSF 11/08/2016 ACH reversed - NSF 90 2016-11-14 2016-11-10 ACH Payment 388.4 ACH 93 Backend ACH for 201 6-1 1-10 (1 67393 1 ) 91 2016-11-14 2016-10-01 Allocate To -2.62 -385.78 2583.62 92 Backend ACH Monthly for 201 6-11-10 Receivable (1673931) 92 2016-1 1-14 Reverse Put in 2.62 385.78 2586.24 11/14/201 6 ACH Suspense (Break reversed - NSF Allocation) 93 2016-11-14 Reverse NSF -388.4 11/14/2016 ACH Payment reversed - NSF 94 2016-1 1-1 6 2016-1 1-1 6 Late Charge Fee 15 LATE 97 Automated Fee Sweep 95 2016-1 1-25 2016-1 1-1 8 ACH Payment 388.4 ACH Backend ACH for 2016-11-18 (1702700) -- ACHVendor=Nl A. Set11ementID=17 027001702700-- 96 2016-1 1-25 2016-10-01 Allocate To -2.62 -385.78 2583.62 Backend ACH Monthly for 2016-11-18 Receivable (1702700) -- ACHVendor=Nl A. Set11ementID=17 027001702700- 97 2016-11-28 Revoke loan -15 Change Terms Mod Receivable 98 2016-11-28 Revoke loan -15 Change Terms Mod Receivable 99 2016-11-28 Reduce -15 Change Terms Receivable 100 2016-11-28 Reduce -15 Change Terms Receivable 101 2016-11-28 Revoke loan -15 Change Terms Mod Receivable 102 2016-11-28 Reduce -15 Change Terms Receivable 103 2016-11-28 Revoke Loan -3.01 -385.39 Change Terms Mod Receivable 21,04 2016.1 1.28 2016-1 1-01 Change Terms o 2583.62 Change Tenna 105 2016-11-28 2017-01-01 Initial Interest 3.01 385.39 Change Terms Due (First Receivable on Term) 306' 2017-0105 2017-0101 ACH Payment 33814 sen 1.09 SchedulesACH”- r 201 7&0 60 (1SISBWQ Page 5 of 5 107 2017-01-05 2017-01-01 Allocate To First -3.01 -385.39 2580.61 108 Scheduled ACH Monthly for 2017-01 -01 Receivable (1 81 5360) 10$ 2017-01-05 Reverse Put in 3,01 1383,59 2583162" 01/05/2017 ACH Suspense (Break reversed - STOP Allocaon) 109 2017-01-05 Reverse NSF -388.4 01/05/2017 ACH Payment reversed - STOP 110 2017-01-05 2017-01-05 NSF Fee 15 NSF 01/05/2017 ACH reversed - STOP 111 2017-01-16 2017-01-16 Late Charge Fee 15 LATE Automated Fee Sweep 112 2017-01-31 2017-02-01 Regular Monthly 3.46 384.94 Auto Receivable Receivable Sweep Create Monthly Receivable 113 2017-02-1 6 2017-02-1 6 Credit Card 388.4 CREDIT_CARD Credit Card Payment Payment (1432490798) 114, 2017-02-16 2017-02-16 Late Charge Fee 1's LATE Credit Card Payment (1432490798) 115 2017-02-16 2017-01-01 Allocate To First -3.01 -385.39 2580.61 Credit Card Monthly Payment Receivable (1432490798) 1‘16 2017a02-28 2017a03-01 Regular Monthly 3.98 384.42 Auto Receivable Receivable Sweep Create Monthly Receivable 117 2017-03-16 2017-03-16 Late Charge Fee 15 LATE Automated Fee Sweep 1‘18 2017a03-17 2017a03-17 Credit Card 836.8 CREDIT_CARD Credit Card Payment Payment (1469935927) 119 2017-03-17 2017-02-01 Allocate To -3.46 -384.94 2577.15 Credit Card Monthly Payment Receivable (1469935927) 120 2017-03-17 2017-03-01 Allocate To -3.98 $84.42 2573. 17 Credit Card Monthly Payment Receivable (1469935927) 121 2017-03-17 2017-01-05 Allocate To NSF -15 Credit Card Fee Payment (1469935927) 122- 2017-03-17 2017-01-16 Allocate To Late -,15_- Credit Card Fee Payment (1469935927) 123 2017-03-17 2017-02-16 Allocate To Late -15 Credit Card Fee Payment (1469935927) 124 2017-03-17 2017-03-16 Allocate To Late 915; Credit Card Fee Payment (1469935927) 125 2017-03-31 2017-04-01 Regular Monthly 4.57 383.83 Auto Receivable Receivable Sweep Create Monthly Receivable 126 2017-04-14 2017-04-14 Credit Card 388,4 CREDIT_CARD Credit Card Payment ' Payment (1 504013868) 127 2017-04-14 2017-04-01 Allocate To -4.57 -383.83 2568.6 Credit Card Monthly Payment Receivable (1 504013868) 128 2017-04-30 2017-05-01 Regular Monthly 5.25 383.1 5 Auto Receivable Receivable Sweep Create Monthly Receivable 129 2017-05-1 6 2017-05-1 6 Late Charge Fee 15 LATE Automated Fee Sweep 130 2017-05-31 2017-06-01 Regular Monthly 6.03 382.37 Auto Receivable Receivable Sweep Create Monthly Receivable 131 2017-06-1 6 2017-06-1 6 Late Charge Fee 15 LATE Automated Fee Sweep 1‘32 2017-06-30 2017-07-01 Regu arMonthly 6.93 381.47 Auto Receivable Receivable Sweep Create Monthly Receivable 133 2017-07-1 6 2017-07-1 6 Late Charge Fee 15 LATE Automated Fee Sweep 134 2017-07-31 2017-08-01 Regular Monthly 7.97 380.43 135 Auto Receivable Receivable Sweep Create Monthly Receivable 135 2017-08-01 Revolce -7.97 -380.43 Charge Off Receivable {n . 1‘36 2017-08-01 2017-07-31 Charge-Off -2568.6 -1 146.99 -45 Charge OffP ‘ ' A J 137 2017-08-01 2017-08-01 Regular Monthly 7.97 380.43 Charge Off Receivable 138 2017-08-31 2017-09-01 Regular Monthly 9.16 379.24 Auto Receivable Receivable Sweep Create Moythly KOOONQUILWNu-t NNNNNNNNNHHh-kb-Ab-kb-b-h-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO Christopher D. Mandarich SB 220693 Hayk Stambultsyan SB320973 Martin Weingarten SB 201906 bySuperlurCmrtnfC-allfmnla. Cumunffianhflaten MANDARICH LAW GROUP, LLP fl“ 9/24/2021 P.O. BOX 109032 Chicago, IL 60610 By 877.285.4918 D'IPI-fl'll'fllfll Facsimile: 818.888. 1260 Attorneysfor Plaintifl: Arcadia Partner, LLC SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED Arcadia Partner, LLC, Case N0. 21 -CLJ-05202 Plaintiff, VS FILE BY FAX COMPLAINT FOR: 1. BREACH OF CONTRACT WILLIAM HILL, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant DEMAND: $4,594.72 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1. Plaintiff is and at all times herein mentioned, Arcadia Partner, LLC, and successor in interest to original creditor, LoanMe, Inc. 2. Plaintiff is a debt buyer, and is the sole owner of the debt at issue and its name and address is as follows: Arcadia Partner, LLC; 3050 Peachtree Rd NW, Atlanta, GA 30305. 3. The charge-off creditor at the time 0f charge-off is LoanMe, Inc., 1900 South State College Boulevard, Suite 300, Anaheim, CA 92806, and the account number associated with this debt is XXX4863. 4. The subject credit account has been purchased by the following entities after charge-off: BUYERS HOLDINGS, LLC Who maintains an address at 1966 NE 123m Street, Station 209, North Miami, FL 33181. The subject credit account was transferred by BUYERS HOLDINGS, LLC t0 Plaintiff ARCADIA PARTNER, LLC, who maintains an address at 3050 Peachtree Road NW, Atlanta, GA 30305. Exhibit "79" COMPLAINT-l 0f 5 KOOONONUILWNr-t NNNNNNNNNHh-h-kb-Ab-kb-h-h-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO 5. Plaintiff is informed and believes that Defendant are individuals Who currently reside Within the jurisdictional boundaries 0f the above entitled Court. Therefore, this Court is the proper Court for trial 0f this action. 6. The name and last known address of the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0f the debt is WILLIAM HILL , 909 ETHELDORE STREET , MOSS BEACH, CA 94038. 7. Plaintiff is unaware of the true names 0r capacities, Whether individual, corporate, associate or otherwise ofthe Defendant sued herein as DOES 1 through 10 inclusive, and therefore, sued the Defendant by such fictitious names. PlaintiffWill amend this Complaint t0 show their true names and capacities once ascertained. 8. Plaintiff believes and at all times mentioned herein, each 0f the Defendant was, and is, the agent, servant and employee, employer of each of the other Defendant, and also acted in the capacity of and as agent 0f the other Defendant. Plaintiff also believes that the individual Defendant, and each 0f them, are jointly and severally liable that the actions described herein were taken as actions for the benefit 0f the Defendant's separate and/or community property. 9. Plaintiff believes that, for value received, Defendant and each of them, executed and delivered a credit application to the original creditor, LoanMe, Inc. 0r made such application over the telephone 0r Internet. Pursuant to the aforementioned application, LoanMe, Inc. provided Defendant With a credit account, and granted use privileges 0n the same, account number XXX4863 (hereinafter “Account”). 10. Prior t0 the commencement of this action, the Account was assigned for value to the Plaintiff and Plaintiff is its current holder. 11. Defendant agreed t0 comply with the terms governing the use of the Account, as it was amended from time to time, including repaying LoanMe, Inc. and any successors in interest, for any charges on the Account including, but not limited to, charges for purchase 0f goods and service and/or cash advances and balance transfers along with late charges, over limits charges related thereto. COMPLAINT-2 0f 5 KOOONONUI-bUJNr-t NNNNNNNNNHh-h-kb-Ab-b-h-h-HH OONQMJ>WN~O©OOQONM$UJNHO 12. Defendant used the Account t0 make purchases and/or t0 take cash advances and/or to make balance transfers. Each time the Defendant used the Account t0 purchase goods and services and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement to repay LoanMe, Inc. and its successors in interest for the amount 0f the purchase and/or cash advances and/or balance transfers, along With such other charges as may be assessed pursuant to the terms governing the Account. 13. The date 0f last payment 0n the subj ect account was on March 24, 2017. 14. Within the last four years, the Defendant failed to make payments as agreed on the Account. Defendant has failed, refused and neglected t0 pay amounts due on the Account. 15. The debt balance at Charge-offwas $4594.72, and upon information and beliefthere is $0.00 in post charge off fees and there is $0.00 in post charge off interest. 16. Subsequent t0 charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $4,594.72. 17. Although demand has been made upon said Defendant t0 pay said amount, n0 part has been paid, and it is now due and owing. 18. Upon information and belief, LoanMe, Inc. and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 19. Plaintiff has complied With California Civil Code Section 1788.52. 20. Plaintiff has attached hereto as Exhibit A and incorporated herein by reference a copy ofBilling Statement and/or Loan File provided t0 the Defendant While the account was active, demonstrating that the debt was incurred by the Defendant. 21. Plaintiff has attached hereto as Exhibit B and incorporated herein by reference a copy of the Final Billing Statement and/or Transaction History. 22. Upon opening the Account with LoanMe, Inc., the Defendant agrees to reimburse LoanMe, Inc., and hence Plaintiff as successor in interest for the costs related to the collection 0f amounts owing on the Account. Plaintiff has been required t0 retain Mandarich Law Group, LLP t0 pursue collection of the amount due hereunder. COMPLAINT-3 0f 5 \OOOflQUl-RUJNH NNNNNNNNNHr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNh-‘OKOOOQQUl-bUJNF-‘O FIRST CAUSE OF ACTION (Breach of Contract) 23. Plaintiff refers to and incorporates paragraphs 1 through 22. 24. LoanMe, Inc. extended a credit loan t0 the Defendant. 25. Defendant accepted the terms and conditions 0f the Account by Defendant use of the Account to make purchases and/or t0 take cash advances and/or t0 make balance transfers. 26. Defendant have breached the terms and conditions governing the Account by failing to pay amounts due and owing on the Account. 27. As a direct and proximate result thereof, Plaintiff has been damaged in the amount 0f $4,594.72. SECOND CAUSE OF ACTION (Open Book Account) 28. Plaintiff refers t0 and incorporates paragraphs 1 through 27. 29. Within the past 4 years, Defendant and each ofthem became indebted in the amount of the previously mentioned herein for a balance due on a book account for goods sold and delivered and/or services rendered by LoanMe, Inc. Although demand has been made upon Defendant, said amount 0f $4,594.72 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 0f 5 KOOONONUI-bUJNr-t NNNNNNNNNHh-kb-Ab-Ab-b-h-h-Hb-t OONQMJ>WN~O©OONONM$UJNHO WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $4,594.72, 2. For costs of suit incurred; and 3. For such other and further relief as the Court deems just and proper. 4. Plaintiff remits all damages in excess of the jurisdictional amount 0f this Court. Dated: 09/17/2021 COMPLAINT-5 0f 5 By: MANDARICH LAW GROUP, LLP Qh/M X]Christopher D. Mandarich, Esq. Attorneysfor Plaintifl EXHIBIT A LOANME, INC. PROMISSORY NOTE AND DISCLOSURE STATEMENT Loan No.: .4863 Date of Note: January 18, 2017 Expected Funding Date: January 18, 2017 Lender: LoanMe, Inc. Borrower: WILLIAM HILL Address: 1900 S. State College Boulevard Suite 300 Address: 909 ETHELDORE STREET Anaheim, CA 92806 MOSS BEACH, CA 94038 In this Promissory Note and Disclosure Statement ("Note"), the words "you" and "your" mean the person signing as a borrower. "We," "us,", and "our," mean LoanMe, Inc. and any subsequent holder of this Note. TRUTH IN LENDING ACT DISCLOSURE STATEMENT ANNUAL PERCENTAGE '21::gGCEE AMOUNT FINANCEDRATE The amount of credit provided to you The dollar amount the credit will cost you I $13,638.98 I The cost of your credit as a yearly rate 137.70 °/o $3,025.00 TOTAL OF PAYMENTS The amount you will have paid after all payments are made as scheduled $16,663.98 PAYMENT SCHEDULE One payment of $513.84 on March 01, 2017. 46 monthly payments of $351.09 beginning on April 01, 2017. Late Charge: Prepayment: required repayment in full before the scheduled date. If a payment is 15 days late, you will be charged $15.00. If you pay off this loan early, you will not have to pay any penalty. Please see the remainder of this document for additional information about nonpayment, default and any ITEMIZATION OF AMOUNT FINANCED Amount Financed: $3,025.00 Amount Paid to Borrower Directly: $3’025'00 Prepaid Finance Charge/Origination $75.00 Fee: PROMISSORY NOTE AND ARBITRATION AGREEMENT This Note, including any and all signatures hereto, is in original format an electronic document created in accordance with the Electronic Signatures in Global and National Commerce Act (E-SIGN) and other applicable laws and regulations, and that the one, true original Note is retained electronically by us. All other versions hereof, whether electronic or in tangible format, constitute facsimiles or reproductions only. FOR VALUE RECEIVED, you promise to pay to the order of LoanMe, Inc., or any subsequent holder of this Note the sum of $3,100.00, together with interest calculated at 135.00 % ("Note Rate") and any outstanding charges or late fees, until the full amount of this Note is paid. Your interest is calculated on a 360/360 simple interest basis. This means that interest is calculated by dividing the annual Note Rate disclosed above by 360, multiplying that number by the outstanding principal balance, and multiplying that number by the number of days the principal balance is outstanding, assuming each full month is comprised of 30 days. Your payments will be applied as of the date received, first to accrued interest, then to the principal payment that is due, then to any outstanding charges or late fees, and finally to any remaining principal not yet due. The payment schedule disclosed above is only an estimate and may change in the event you do not make all payments as scheduled. If a payment is not sufficient to pay interest then due, the unpaid interest will be added to principal and will bear interest at the Note Rate. A principal-only payment is known as a "Prepayment." We will not treat a payment as a Prepayment unless you previously made all monthly payments of principal and interest and fully paid and satisfied all other obligations under this Note. If you meet these conditions, you may make a full or partial Prepayment. We will apply any partial Prepayment you make to reduce the principal due on the Note as of the date we receive the Prepayment. You may make a full Prepayment or partial Prepayment at any time without penalty. A partial Prepayment will not change the due dates or amounts of your monthly payments, but may reduce the number of payments and the amount of your final payment. Notwithstanding any other provision of this Note, if, within seven calendar days of the Funding Date (i.e., the date we advance funds to you), you repay us the amount we advanced to you directly ($3,025.00), this Note will be deemed paid in full, without payment of any finance charges (including interest). (To receive the benefit of this offer, payment in full of the amount advanced to you directly must be received no later than 11:59 p.m. in the time zone in which you reside on January 25, 2017; if payment is not received by that time, you will owe the interest that accrued during that period as well as the amount disbursed to you and the loan fee pursuant to the terms of this Note.) We do not intend to charge or collect any interest, charge, or fee that is more than the law allows. If we charge or collect any amount over what the law allows, we will apply the excess first to the unpaid scheduled monthly payments, and we will refund any excess if you have paid in full all amounts you owe under this Note. Any amount applied to unpaid scheduled monthly payments will be treated as a partial prepayment. THE MATURITY DATE (IF NOT PREPAID) OF THIS LOAN IS: January 01, 2021. You will be subject to a fee of $15 if any payment you make is returned for non-sufficient funds. If you fail to make any payment due under this Note, we shall have the right, after a 30-day grace period, to declare this Note to be immediately due and payable. For loans above $10,000, if you file for an assignment for the benefit of creditors, bankruptcy, or for relief under any provisions of the United States Bankruptcy Code, we shall have the right to declare this Note to be immediately due and payable. For loans in excess of $5,000, in the event that we are required to employ an attorney at law to collect any amounts due under this Note, you will be required to pay the reasonable fees of such attorney to protect our interest or to take any other action required to collect the amounts due hereunder to the extent permitted by law. You agree that all payments made more than (15) days of the due date shall be subject to a late fee of $15.00. The loan fee included in the prepaid finance charge/loan fee disclosed above is fully earned upon loan origination, and is not subject to rebate upon prepayment or acceleration of this Note and is not considered interest. This loan is unsecured and therefore not secured by any of your collateral. We may delay or forgo enforcing any of its rights or remedies under this Note without losing them. You hereby, to the extent allowed by law, waive any applicable presentment, demand for payment, or protest and notice of dishonor. Upon any change in the terms of this Note, and unless otherwise expressly stated in writing, no party who signs this Note, whether as maker, guarantor, accommodation maker or endorser, shall be released from liability. This Note shall take effect as a sealed instrument. This Note will be governed by the laws of the State of California except to the extent governed by federal law applicable to interstate commerce, including, without limitation, the Federal Arbitration Act, 9 U.S.C. §§ 1-6 ("FAA"). You understand that you have previously consented to receive all communications from us, including but not limited to, all required disclosures via electronic mail. This means that all communications from us will be delivered in electronic form. You understand and agree that we may obtain credit reports on you an ongoing basis as long as this loan remains in effect. You also authorize us to report information concerning your account to credit bureaus and to anyone else we believe in good faith has a legitimate need for such information. You understand that, from time to time, we may monitor or record telephone calls between you and us. You hereby expressly consent to have your calls monitored or recorded. You agree that we can contact you using any telephone number(s) that you provide us in this credit application, that you provide to us in the future, or that we get from another source, even if the number is for a mobile telephone and/or our using the number results in charges to you by your mobile service provider. You also agree that we may leave an autodialed or prerecorded message or use other technology to make that contact. You further agree that if you gave us a mobile phone number in your application, or if you later gave us a mobile phone number, or if we get a mobile phone number for you from another source, we may contact you by text message on that mobile phone regarding your account, notwithstanding the fact that there is a possibility that a third party may see our text message to you, and you represent that any mobile phone number you gave us or will give us is your mobile phone number alone. You may cancel this consent by providing us with notice in writing. A married or registered domestic partner applicant may apply for a separate account. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. If we take any adverse action as defined by Section 1785.3 of the California Civil Code and the adverse action is based, in whole or in part, on any information contained in a consumer credit report, you have the right to obtain within 60 days a free copy of your consumer credit report from the consumer reporting agency who furnished us your consumer credit report and from any other consumer credit reporting agency which compiles and maintains files on consumers on a nationwide basis. You have the right as described by Section 1785.16 of the California Civil Code to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency. This Agreement encompasses the entire agreement of the parties, and supersedes all previous understandings and agreements between the Parties, whether oral or written. Any modifications to this Agreement must be made in writing and signed by both parties. ARBITRATION PROVISION WAIVER OF JURY TRIAL AND ARBITRATION PROVISION. Arbitration is a process in which persons with a dispute: (a) waive their rights to file a lawsuit and proceed in court and to have a jury trial to resolve their disputes; and (b) agree, instead, to submit their disputes to a neutral third person (an "arbitrator") for a decision. Each party to the dispute has an opportunity to present some evidence to the arbitrator. Pre-arbitration discovery may be limited. Arbitration proceedings are private and less formal than court trials. The arbitrator will issue a final and binding decision resolving the dispute, which may be enforced as a court judgment. A court rarely overturns an arbitrator's decision. We have a policy of arbitrating all disputes with customers which cannot be resolved in a small claims tribunal, including the scope and validity of this Arbitration Provision and any right you may have to participate in an alleged class action. THEREFORE, YOU ACKNOWLEDGE AND AGREE AS FOLLOWS: For purposes of this Waiver of Jury Trial and Arbitration Provision, the words "dispute" and "disputes" are given the broadest possible meaning and include, without limitation (a) all claims, disputes, or controversies arising from or relating directly or indirectly to the signing of this Arbitration Provision, the validity and scope of this Arbitration Provision and any claim or attempt to set aside this Arbitration Provision; (b) all federal or state law claims, disputes or controversies, arising from or relating directly or indirectly to the Note, the information you gave us before entering into this Agreement, including the customer information application, and/or any past agreement or agreements between you and us; (c) all counterclaims, cross-claims and third-party claims; (d) all common law claims, based upon contract, tort, fraud, or other intentional torts; (e) all claims based upon a violation of any state or federal constitution, statute or regulation; (f) all claims asserted by us against you, including claims for money damages to collect any sum we claim you owe us; (g) all claims asserted by you individually against us and/or any of our employees, agents, directors, officers, shareholders, governors, managers, members, parent company or affiliated entities (hereinafter collectively referred to as "related third parties"), including claims for money damages and/or equitable or injunctive relief; (h) all claims asserted on your behalf by another person; (i) all claims asserted by you as a private attorney general, as a representative and member of a class of persons, or in any other representative capacity, against us and/or related third parties (hereinafter referred to as "Representative Claims"); and/or (j) all claims arising from or relating directly or indirectly to the disclosure by us or related third parties of any non-public personal information about you. 1. You acknowledge and agree that by entering into this Arbitration Provision: (a) YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES; (b) YOU ARE GIVING UP YOUR RIGHT TO HAVE A COURT, OTHER THAN A SMALL CLAIMS TRIBUNAL, RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES; and (c) YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, AND/OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT FILED AGAINST US AND/OR RELATED THIRD PARTIES. 2. Except as provided in Paragraph 5 below, all disputes including any Representative Claims against us and/or related third parties shall be resolved by binding arbitration only on an individual basis with you. THEREFORE, THE ARBITRATOR SHALL NOT CONDUCT CLASS ARBITRATION; THAT IS, THE ARBITRATOR SHALL NOT ALLOW YOU TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY FOR OTHERS IN THE ARBITRATION. 3. Any party to a dispute, including related third parties, may send the other party written notice by certified mail return receipt requested of their intent to arbitrate and setting forth the subject of the dispute along with the relief requested, even if a lawsuit has been filed. Regardless of who demands arbitration, you shall have the right to select any of the following arbitration organizations to administer the arbitration: the American Arbitration Association (1- 800-778-7879) http://www.adr.org or JAMS (1-800-352-5267) http://www.jamsadr.com. The parties may also agree to select an arbitrator who resides within your federal judicial district who is an attorney, retired judge, or arbitrator registered and in good standing with an arbitration association, and arbitrate in accordance with such arbitrator's rules. The party receiving notice of arbitration will respond in writing by certified mail return receipt requested within twenty (20) days. If you demand arbitration, you must inform us in your demand of the arbitration organization you have selected or whether you desire to select a local arbitrator. If related third parties or we demand arbitration, you must notify us within twenty (20) days in writing by certified mail return receipt requested of your decision to select an arbitration organization. If you fail to notify us, then we have the right to select an arbitration organization. The parties to such dispute will be governed by the rules and procedures of such arbitration organization applicable to consumer disputes, to the extent those rules and procedures do not contradict the express terms of this Arbitration Provision, including the limitations on the arbitrator below. You may obtain a copy of the rules and procedures by contacting the arbitration organization listed above. If neither the American Arbitration Association nor JAMS is available or willing to administer the arbitration and the parties cannot agree on a local arbitrator, then an arbitrator can be appointed by a court consistent with Section 5 of the FAA. 4. Regardless of who demands arbitration, at your request we will pay your portion of the arbitration expenses, including the filing, administrative, hearing and arbitrator's fees ("Arbitration Fees"). Throughout the arbitration, each party shall bear his or her own attorney's fees and expenses, such as witness and expert witness fees. The arbitrator shall apply applicable substantive law consistent with the FAA, and applicable statutes of limitation, and shall honor claims of privilege recognized at law. Any arbitration hearing will be conducted in the federal judicial district of your residence. The arbitrator may decide, with or without a hearing, any motion that is substantially similar to a motion to dismiss for failure to state a claim or a motion for summary judgment. In conducting the arbitration proceeding, the arbitrator shall not apply any federal or state rules of civil procedure or evidence. If allowed by statute or applicable law, the arbitrator may award statutory damages and/or reasonable attorney's fees and expenses. If the arbitrator renders a decision or an award in your favor resolving the dispute, we will reimburse you for any Arbitration Fees you have previously paid. At the timely request of any party, the arbitrator shall provide a written explanation for the award. The arbitrator's award may be filed with any court having jurisdiction. 5. All parties, including related third parties, shall retain the right to seek adjudication in a small claims tribunal in the county of your residence for disputes within the scope of such tribunal's jurisdiction. Any dispute, which cannot be adjudicated within the jurisdiction of a small claims tribunal, shall be resolved by binding arbitration. Any appeal of a judgment from a small claims tribunal shall be resolved by binding arbitration. 6. This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be governed by the FAA. 7. This Arbitration Provision is binding upon and benefits you, your respective heirs, successors and assigns. This Arbitration Provision is binding upon and benefits us, our successors and assigns, and related third parties. This55555- 555 5 I5I -- -I -I-I5 I -I5--I I bankruptcy. This Arbitration Provision survives any cancellation, termination, amendment, expiration or performance of any transaction between you and us and continues in full force and effect unless you and we otherwise agree in writing. Except for the waivers of representative actions contained in paragraphs 1(c) and 2, if any of this Arbitration Provision is held invalid, the remainder shall remain in effect. If the waivers of representative actions are held invalid, then this arbitration provision will be deemed null and void. OPT-OUT PROCESS You may choose to opt out of the Arbitration Provision, but only by following the process set-forth below. If you do not wish to be subject to this Arbitration Provision, then you must notify us in writing within sixty (60) calendar days of the date of this Note at the following address: Arbitration Opt-Out, LoanMe, Inc., 1900 S. State College Blvd., Suite 300, Anaheim, CA 92806. Your written notice must include your name, address, account number or social security number and a statement that you wish to opt out of this Arbitration Provision. YOU CERTIFY THAT YOU HAVE READ AND UNDERSTAND THIS ARBITRATION PROVISION AND AGREE TO BE BOUND TO ITS TERMS. Payments. You have previously authorized and requested us to initiate an automated clearinghouse or other electronic funds transfer ("EFF") from the bank account identified on your Application (the "Bank Account") to make each payment required hereunder on the day it is due. You also authorize us to initiate an EFI' to or from the Bank Account to correct any erroneous payment and, in the event any EFI' is unsuccessful, to attempt such payment up to two additional times. You understand that unsuccessful EFl's may result in charges by your bank, and you agree that we are not liable for such charges. You have the right to notice of all transfers of amounts different from your regular payment, but you agree to receive notice 10 days prior to any given transfer only if the amount to be transferred varies by more than $50 from your regular payment amount. You also authorize us to withdraw funds from your account on additional days throughout the month in the event you are delinquent on your loan payments. Your request and authorization for us to initiate EFl's is entirely voluntary, and you may terminate this authorization by notifying us in writing via fax (844-904-7368) or email (customer.service@LoanMe.com) soon enough to allow us a reasonable opportunity to act on your termination (generally at least three business days in advance). You may also terminate your authorization for us to initiate EFl's directly with the financial institution at which your Bank Account is located. By signing this promissory note, you also authorize us to obtain payments from your Bank Account by creating and processing paper checks (each a "Check") in place of initiating any or all of the EFl's described above. Each Check will be in the amount of the payment that would have been initiated as an EFI', and each Check will be deposited by us for processing on or after the same day that the payment would have been initiated as an EFI'. We will type your name in the signature line of each Check, and you agree that your typed name constitutes your authorized signature. You acknowledge that an electronic image of each Check may be created and processed as a substitute check pursuant to the Check 21 Act. If you terminate your EFI' authorization as described above, this authorization to create Checks will also terminate. You may also cancel by notifying your financial institution orally or in writing at least three business days before the scheduled date of any transfer. THIS LOAN CARRIES A VERY HIGH INTEREST RATE. YOU MAY BE ABLE TO OBTAIN CREDIT UNDER MORE FAVORABLE TERMS ELSEWHERE. EVEN THOUGH THE TERM OF THE LOAN IS 47 MONTHS, WE STRONGLY ENCOURAGE YOU TO PAY OFF THE LOAN AS SOON AS POSSIBLE. YOU HAVE THE RIGHT TO PAY OFF ALL OR ANY PORTION OF THE LOAN AT ANY TIME WITHOUT INCURRING ANY PENALTY. YOU WILL, HOWEVER, BE REQUIRED TO PAY ANY AND ALL INTEREST THAT HAS ACCRUED FROM THE FUNDING DATE UNTIL THE PAYOFF DATE. YOU CERTIFY THAT NO PERSON HAS PERFORMED ANY ACT AS A BROKER IN CONNECTION WITH THE MAKING OF THIS LOAN. YOU CERTIFY THAT YOU HAVE READ AND UNDERSTAND THE AMORTIZATION SCHEDULE ON THIS LOAN (Click here to View) AND ARE ABLE TO REPAY THE LOAN PURSUANT TO ITS TERMS. YOU ARE NOT AWARE OF ANY CIRCUMSTANCES THAT MIGHT CAUSE YOU TO FILE FOR BANKRUPTCY PROTECTION DURING THE TWELVE (12) MONTHS FOLLOWING THE EXECUTION OF THIS NOTE. YOU HAVE READ ALL OF THE TERMS AND CONDITIONS OF THIS PROMISSORY NOTE AND DISCLOSURE n‘l Illll-Ill aIAIEMENI Anu Aunt: Iu b: buunu b! 1|: Icxna. vuu Anu Aunt: IrIAI IUUK EXECUTION OF THIS NOTE SHALL HAVE THE SAME LEGAL FORCE AND EFFECT AS A PAPER CONTRACT. This Loan Is Made Pursuant To The California Finance Lender Law, Division 9 (commencing with Section 22000) of the Financial Code. FOR INFORMATION, CONTACT THE DEPARTMENT OF BUSINESS OVERSIGHT, STATE OF CALIFORNIA, LICENSE NO. 603-K061. EXHIBIT B Loan Id: Borrower's Name: .4863 \NILLIAM HILL Loan Transaction History Principal Balance: Next Due Date: $3097.66 2017/04/01 Interest Rate: 135.0% Page 1 of 2 1 2017-01-18 2017-01-18 Beginning 3100 3100 Loan Originaon Balance (loan G. ' ' ' X 2 2017-01-18 2017-03-01 Initial Interest 2.34 51 1.5 Loan Origination Due (First Receivable on Ten-n) 3 2017-03-03 2017-03-01 ACH Payment 513.84 ACH 6 Scheduled ACH for 2017-03 -01 (2081073) '4' 2017-03-03 2017-03-01 Allocate To First -2.34 51 1 .5; 3097,66 '5 Scheduled ACH Monthly for 2017-03-01 Receivable (2081073) 5 2017-03-03 Reverse Put in 2.34 51 1.5 3100 03/03/2017 ACH Suspense (Break reversed - NSF Allocation) 6 2017-03-03 Reverse NSF -51'3,84 03/03/2017 ACH Payment reversed - NSF 7 2017-03-03 2017-03-03 NSF Fee 15 NSF 03/03/2017 ACH reversed - NSF 8 2017-03-14 2017-03-10 ACH Payment 513.84 ACH 11 Rerun ACH for 2017-03-10 (2108204) 9 2017-03-14 2017-03-01 Allocate To First -2.34 -511.5 3097.66 10 Rerun ACH for Monthly 2017-03-10 Receivable (2108204) 19 2017-03-14 Reverse Put in 2.34 51 1.5 3100 03/14/2017 ACH Suspense (Break reversed - NSF Allocation) 11 2017-03-14 Reverse NSF -513.84 03/14/2017 ACH Payment reversed - NSF 12 2017-03-16' 2017-03-16 Late Charge Fee 15, LATE Automated Fee Sweep 13 2017-03-28 2017-03-24 ACH Payment 528.84 ACH Request ACH2017-03-24 (21 14523) -- ACHVendor=Nl A. Settlement] l)=21 145232114523-- 14 2017-03-28 2017-03-01 Allocate To First -2.34 -51 1.5 3097.66; Request Monthly ACH2017-03F24 Receivable (21 14523) .- ACHVendoFN/ A. Settlement] l)=21 145232114523" 15 2017-03-28 2017-03-03 Allocate To NSF -15 Request Fee ACH2017-03-24 (21 14523) -- ACHVendor=Nl A. Settlement] l)=21 145232114523-- 1‘6 201746331 21317-04401 RegularMonthly 2.6" 34x46 20 Auto Receivable Receivable i Sweep Create Monthly Receivable 17 2017-04-05 2017-04-01 ACH Payment 35 1.09 ACH 21 Scheduled ACH for 2017-04-01 (2153297) 1‘8 2017434415 2017-04d01 Allocate To 4.6 348.49 3095.06; 19 Scheduled ACH Monthly for 2017-04-01 Receivable (2153297) 19 2017-04-05 Reverse Put in 2.6 348.49 3097.66 04/05/2017 ACH Suspense (Break reversed - NSF Allocation) 120' 2017-04-05 Revoke -2.6 -348.49 04/05/2017 ACH Receivable reversed -NSF (n . 21 2017-04-05 Reverse NSF -35 1.09 04/05/2017 ACH Payment reversed - NSF 22 201704-05 2017d04-05 NSF Fee 15 NSF 04/05/2017 ACH reversed - NSF 23 2017-04-05 2017-04-01 Regular Monthly 2.6 348.49 04/05/2017 ACH Receivable reversed - NSF 24 2017-04-1 6 2017-04-1 6 Late Charge Fee 15 LATE Automated Fee Sweep 25 2017-04-25 2017-04-21 ACH Payment 35 1.09 ACH 28 Rerun ACH for 2017-04-21 (2198728) 26 2017-04-25 2017-04-01 Allocate To -2.6 648.49 3095.06 27 RerunACH for Monthly 2017-04-21 Receivable (2198728) 27 2017-04-25 Reverse Put in 2.6 348.49 3097.66 04/25/2017 ACH Suspense (Break reversed - NSF Allocation) 18 201-$04425 Reverse NSF 4351,99 04/25/2017 aeH l Payment reversed- - NSF Page 2 of 2 29 2017-04-30 2017-05-01 Regula: Monthly 2.9 348.1 9 30 Auto Receivable Receivable Sweep Create Monthly Receivable ’F 3§ 2017105411 Revoke ‘23 4343.195 RemnACH for‘ Receivable 2017-04-27 {n . (2196045) 31 2017-05-01 2017-04-27 ACH Payment 351.09 ACH 36 Remn ACH for 2017-04-27 (2 196045) 32 2017-05-01 2017-04-01 Allocate To -2.6 -348.49 3095206 34 Remn ACH for Monthly 2017-04-27 Receivable (2196045) 33 2017-05-01 2017-05-01 Regula: Monthly 2.9 348.19 35 Remn ACH for Receivable 2017-04-27 (2 196045) 34 2017-05-01 Reverse Put in 2:6 348.49 3097.66 05/01/2017 ACH Suspense (Break reversed - NSF Allocation) 35 2017-05-01 Revolce -2.9 -348.19 05/01/2017 ACH Receivable reversed - NSF {n . 36 2017-05-01 Reverse NSF 351.09 05/01/2017 ACH Payment reversed - NSF 37 2017-05-01 2017-05-01 NSF Fee 15 NSF 05/01/2017 ACH reversed - NSF 38 2017-05-01 2017-05-01 Regular Monthly 2.9 348.19 05/01/2017 ACH Receivable reversed -NSF 39 2017-05-09 2017-05-05 ACH Payment 351.09 ACH 42 Backend ACH for 2017-05 -05 (2255707) T40 2017a05-09 2017a04-01 Allocate To -2.6 -348.49 3095/06 r41 Backend ACH Monthly for 2017-05-05 Receivable (2255707) 41 2017-05-09 Reverse Put in 2.6 348.49 3097.66 05/09/2017 ACH Suspense (Break reversed - NSF Allocation) 42 2017-05-09 Reverse NSF -35 1.09 05/09/2017 ACH Payment reversed - NSF 43 2017-05-1 6 2017-05-1 6 Late Charge Fee 15 LATE Automated Fee Sweep 44 2017-05-31 2017-06-01 Regular Monthly 3.22 347.87 Auto Receivable Receivable Sweep Create Monthly Receivable 45 2017-06-1 6 2017-06-1 6 Late Charge Fee 15 LATE Automated Fee Sweep 46 2017-06-30 2017-07-01 Regular Monthly 3.58 347.51 Auto Receivable Receivable Sweep Create Monthly Receivable 47 2017-07-16 2017-07-16 Late Charge Fee 15 LATE Automated Fee Sweep 48 2017-07-31 2017-08-01 Regular Monthly 3.99 347.1 49 Auto Receivable Receivable Sweep Create Monthly Receivable 49 2017-08-01 Revolce -3.99 -347.1 Charge Off Receivable {n . 50 2017-08-01 2017-07-31 Charge-Off -3097.66 -1392.06 405 ChargeOffr‘ ‘ . A J 51 2017-08-01 2017-08-01 Regular Monthly 3.99 347.1 Charge Off Receivable 52 2017-08-31 2017-09-01 Regular Monthly 4.44 346.65 Auto Receivable Receivable Sweep Create ‘ Moythly KOOONQUILWNu-t NNNNNNNNNHHh-kb-Ab-kb-b-h-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO Christopher D. Mandarich SB 220693 Ajay Sood SB325294 Electrnnically Hayk Stambultsyan SB320973 Martin Weingarten SB 201906 bySuperlurCmrtnfC-allfmnla.Cmtynffianhflaten MANDARICH LAW GROUP, LLP fl“ 9/24/2021 P.O. Box 109032 Chicago, IL 60610 By 877.285.4918 “mu“ Facsimile: 818.888. 1260 Attorneysfor Plaintifl: Arcadia Partner, LLC SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED Arcadia Partner, LLC, Case N0. 21 'CLJ'05203 Plaintiff, VS FILE BY FAX COMPLAINT FOR: 1. BREACH OF CONTRACT WILY ZEVALLOS, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant DEMAND: $4,445.73 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1. Plaintiff is and at all times herein mentioned, Arcadia Partner, LLC, and successor in interest to original creditor, LoanMe, Inc. 2. Plaintiff is a debt buyer, and is the sole owner of the debt at issue and its name and address is as follows: Arcadia Partner, LLC; 3050 Peachtree Rd NW, Atlanta, GA 30305. 3. The charge-off creditor at the time 0f charge-off is LoanMe, Inc., 1900 South State College Boulevard, Suite 300, Anaheim, CA 92806, and the account number associated with this debt is XXX2045. 4. The subject credit account has been purchased by the following entities after charge-off: BUYERS HOLDINGS, LLC Who maintains an address at 1966 NE 123m Street, Station 209, North Miami, FL 33181. The subject credit account was transferred by BUYERS HOLDINGS, LLC t0 Plaintiff ARCADIA PARTNER, LLC, who maintains an address at 3050 Peachtree Road NW, Atlanta, GA 30305. COMPLAINT-l 0f5 EXhibit "80" KOOONONUILWNr-t NNNNNNNNNHh-h-kb-Ab-kb-h-h-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO 5. Plaintiff is informed and believes that Defendant are individuals Who currently reside Within the jurisdictional boundaries 0f the above entitled Court. Therefore, this Court is the proper Court for trial 0f this action. 6. The name and last known address of the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0f the debt is WILY ZEVALLOS , 400 E HILLSDALE BLVD APT 112 , SAN MATEO, CA 94403. 7. Plaintiff is unaware of the true names 0r capacities, Whether individual, corporate, associate or otherwise ofthe Defendant sued herein as DOES 1 through 10 inclusive, and therefore, sued the Defendant by such fictitious names. PlaintiffWill amend this Complaint t0 show their true names and capacities once ascertained. 8. Plaintiff believes and at all times mentioned herein, each 0f the Defendant was, and is, the agent, servant and employee, employer of each of the other Defendant, and also acted in the capacity of and as agent 0f the other Defendant. Plaintiff also believes that the individual Defendant, and each 0f them, are jointly and severally liable that the actions described herein were taken as actions for the benefit 0f the Defendant's separate and/or community property. 9. Plaintiff believes that, for value received, Defendant and each of them, executed and delivered a credit application to the original creditor, LoanMe, Inc. 0r made such application over the telephone 0r Internet. Pursuant to the aforementioned application, LoanMe, Inc. provided Defendant With a credit account, and granted use privileges 0n the same, account number XXX2045 (hereinafter “Account”). 10. Prior t0 the commencement of this action, the Account was assigned for value to the Plaintiff and Plaintiff is its current holder. 11. Defendant agreed t0 comply with the terms governing the use of the Account, as it was amended from time to time, including repaying LoanMe, Inc. and any successors in interest, for any charges on the Account including, but not limited to, charges for purchase 0f goods and service and/or cash advances and balance transfers along with late charges, over limits charges related thereto. COMPLAINT-2 0f 5 KOOONONUI-bUJNr-t NNNNNNNNNHh-h-kb-Ab-b-h-h-HH OONQMJ>WN~O©OOQONM$UJNHO 12. Defendant used the Account t0 make purchases and/or t0 take cash advances and/or to make balance transfers. Each time the Defendant used the Account t0 purchase goods and services and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement to repay LoanMe, Inc. and its successors in interest for the amount 0f the purchase and/or cash advances and/or balance transfers, along With such other charges as may be assessed pursuant to the terms governing the Account. 13. The date 0f last payment 0n the subject account was 0n July 26, 2017. 14. Within the last four years, the Defendant failed to make payments as agreed on the Account. Defendant has failed, refused and neglected t0 pay amounts due on the Account. 15. The debt balance at Charge-offwas $4445.73, and upon information and beliefthere is $0.00 in post charge off fees and there is $0.00 in post charge off interest. 16. Subsequent t0 charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $4,445.73. 17. Although demand has been made upon said Defendant t0 pay said amount, n0 part has been paid, and it is now due and owing. 18. Upon information and belief, LoanMe, Inc. and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 19. Plaintiff has complied With California Civil Code Section 1788.52. 20. Plaintiff has attached hereto as Exhibit A and incorporated herein by reference a copy ofBilling Statement and/or Loan File provided t0 the Defendant While the account was active, demonstrating that the debt was incurred by the Defendant. 21. Plaintiff has attached hereto as Exhibit B and incorporated herein by reference a copy of the Final Billing Statement and/or Transaction History. 22. Upon opening the Account with LoanMe, Inc., the Defendant agrees to reimburse LoanMe, Inc., and hence Plaintiff as successor in interest for the costs related to the collection 0f amounts owing on the Account. Plaintiff has been required t0 retain Mandarich Law Group, LLP t0 pursue collection of the amount due hereunder. COMPLAINT-3 0f 5 \OOOflQUl-RUJNH NNNNNNNNNHr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNh-‘OKOOOQQUl-bUJNF-‘O FIRST CAUSE OF ACTION (Breach of Contract) 23. Plaintiff refers to and incorporates paragraphs 1 through 22. 24. LoanMe, Inc. extended a credit loan t0 the Defendant. 25. Defendant accepted the terms and conditions 0f the Account by Defendant use of the Account to make purchases and/or t0 take cash advances and/or t0 make balance transfers. 26. Defendant have breached the terms and conditions governing the Account by failing to pay amounts due and owing on the Account. 27. As a direct and proximate result thereof, Plaintiff has been damaged in the amount 0f $4,445.73. SECOND CAUSE OF ACTION (Open Book Account) 28. Plaintiff refers t0 and incorporates paragraphs 1 through 27. 29. Within the past 4 years, Defendant and each ofthem became indebted in the amount of the previously mentioned herein for a balance due on a book account for goods sold and delivered and/or services rendered by LoanMe, Inc. Although demand has been made upon Defendant, said amount 0f $4,445.73 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 0f 5 KOOONONUI-bUJNr-t NNNNNNNNNHh-kb-Ab-Ab-b-h-h-Hb-t OONQMJ>WN~O©OONONM$UJNHO WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $4,445.73, 2. For costs of suit incurred; and 3. For such other and further relief as the Court deems just and proper. 4. Plaintiff remits all damages in excess of the jurisdictional amount 0f this Court. Dated: 09/17/2021 COMPLAINT-5 0f 5 By: MANDARICH LAW GROUP, LLP Qh/M X]Christopher D. Mandarich, Esq. Attorneysfor Plaintifl EXHIBIT A LOANME, INC. PROMISSORY NOTE AND DISCLOSURE STATEMENT Loan No.: .2045 Date of Note: December 29, 2016 Expected Funding Date: December 29, 2016 Lender: LoanMe, Inc. Borrower: WILY ZEVALLOS Address: 1900 S. State College Boulevard Suite Address: 400 E HILLSDALE BLVD APT 112 300 SAN MATEO, CA 94403 Anaheim, CA 92806 In this Promissory Note and Disclosure Statement ("Note"), the words "you" and "your" mean the person signing as a borrower. "We," "us,", and "our," mean LoanMe, Inc. and any subsequent holder of this Note. TRUTH IN LENDING ACT DISCLOSURE STATEMENT ANNUAL FINANCEPERCENTAGE CHARGE AMOUNT FINANCED TOTAL OF PAYMENTSRATE . . The amount you will haveThe cost of your credit as The dollar amount the The amount of credit paid after a” payments area yearly rate credit WIII cost you prowded to you made as scheduled I 138.28 % I $13,511.11 I $3,025.00 $16,536.11 PAYMENT SCHEDULE One payment of $385.97 on February 01, 2017. 46 monthly payments of $351.09 beginning on March 01, 2017. Late Charge: If a payment is 15 days late, you will be charged $15.00. Prepayment: If you pay off this loan early, you will not have to pay any penalty. Please see the remainder of this document for additional information about nonpayment, default and any required repayment in full before the scheduled date. ITEMIZATION OF AMOUNT FINANCED Amount Financed: $3,025.00 Amount Paid to Borrower Directly: $3’025'00 Prepaid Finance Charge/Origination $75.00 Fee: PROMISSORY NOTE AND ARBITRATION AGREEMENT This Note, including any and all signatures hereto, is in original format an electronic document created in accordance with the Electronic Signatures in Global and National Commerce Act (E-SIGN) and other applicable laws and regulations, and that the one, true original Note is retained electronically by us. All other versions hereof, whether electronic or in tangible format, constitute facsimiles or reproductions only. FOR VALUE RECEIVED, you promise to pay to the order of LoanMe, Inc., or any subsequent holder of this Note the sum of $3,100.00, together with interest calculated at 135.00 % ("Note Rate") and any outstanding charges or late fees, until the full amount of this Note is paid. Your interest is calculated on a 360/360 simple interest basis. This means that interest is calculated by dividing the annual Note Rate disclosed above by 360, multiplying that number by the outstanding principal balance, and multiplying that number by the number of days the principal balance is outstanding, assuming each full month is comprised of 30 days. Your payments will be applied as of the date received, first to accrued interest, then to the principal payment that is due, then to any outstanding charges or late fees, and finally to any remaining principal not yet due. The payment schedule disclosed above is only an estimate and may change in the event you do not make all payments as scheduled. If a payment is not sufficient to pay interest then due, the unpaid interest will be added to principal and will bear interest at the Note Rate. A principal-only payment is known as a "Prepayment." We will not treat a payment as a Prepayment unless you previously made all monthly payments of principal and interest and fully paid and satisfied all other obligations under this Note. If you meet these conditions, you may make a full or partial Prepayment. We will apply any partial Prepayment you make to reduce the principal due on the Note as of the date we receive the Prepayment. You may make a full Prepayment or partial Prepayment at any time without penalty. A partial Prepayment will not change the due dates or amounts of your monthly payments, but may reduce the number of payments and the amount of your final payment. Notwithstanding any other provision of this Note, if, within seven calendar days of the Funding Date (i.e., the date we advance funds to you), you repay us the amount we advanced to you directly ($3,025.00), this Note will be deemed paid in full, without payment of any finance charges (including interest). (To receive the benefit of this offer, payment in full of the amount advanced to you directly must be received no later than 11:59 p.m. in the time zone in which you reside on January 05, 2017; if payment is not received by that time, you will owe the interest that accrued during that period as well as the amount disbursed to you and the loan fee pursuant to the terms of this Note.) We do not intend to charge or collect any interest, charge, or fee that is more than the law allows. If we charge or collect any amount over what the law allows, we will apply the excess first to the unpaid scheduled monthly payments, and we will refund any excess if you have paid in full all amounts you owe under this Note. Any amount applied to unpaid scheduled monthly payments will be treated as a partial prepayment. THE MATURITY DATE (IF NOT PREPAID) OF THIS LOAN IS: December 01, 2020. You will be subject to a fee of $15 if any payment you make is returned for non-sufficient funds. If you fail to make any payment due under this Note, we shall have the right, after a 30-day grace period, to declare this Note to be immediately due and payable. For loans above $10,000, if you file for an assignment for the benefit of creditors, bankruptcy, or for relief under any provisions of the United States Bankruptcy Code, we shall have the right to declare this Note to be immediately due and payable. For loans in excess of $5,000, in the event that we are required to employ an attorney at law to collect any amounts due under this Note, you will be required to pay the reasonable fees of such attorney to protect our interest or to take any other action required to collect the amounts due hereunder to the extent permitted by law. You agree that all payments made more than (15) days of the due date shall be subject to a late fee of $15.00. The loan fee included in the prepaid finance charge/loan fee disclosed above is fully earned upon loan origination, and is not subject to rebate upon prepayment or acceleration of this Note and is not considered interest. This loan is unsecured and therefore not secured by any of your collateral. We may delay or forgo enforcing any of its rights or remedies under this Note without losing them. You hereby, to the extent allowed by law, waive any applicable presentment, demand for payment, or protest and notice of dishonor. Upon any change in the terms of this Note, and unless otherwise expressly stated in writing, no party who signs this Note, whether as maker, guarantor, accommodation maker or endorser, shall be released from liability. This Note shall take effect as a sealed instrument. This Note will be governed by the laws of the State of California except to the extent governed by federal law applicable to interstate commerce, including, without limitation, the Fndnrnl Arhil-rnl-inn Arl- Q ll Q f‘ SS 1-R ("FAA"\ I .I You understand that you have previously consented to receive all communications from us, including but not limited to, all required disclosures via electronic mail. This means that all communications from us will be delivered in electronic form. You understand and agree that we may obtain credit reports on you an ongoing basis as long as this loan remains in effect. You also authorize us to report information concerning your account to credit bureaus and to anyone else we believe in good faith has a legitimate need for such information. You understand that, from time to time, we may monitor or record telephone calls between you and us. You hereby expressly consent to have your calls monitored or recorded. You agree that we can contact you using any telephone number(s) that you provide us in this credit application, that you provide to us in the future, or that we get from another source, even if the number is for a mobile telephone and/or our using the number results in charges to you by your mobile service provider. You also agree that we may leave an autodialed or prerecorded message or use other technology to make that contact. You further agree that if you gave us a mobile phone number in your application, or if you later gave us a mobile phone number, or if we get a mobile phone number for you from another source, we may contact you by text message on that mobile phone regarding your account, notwithstanding the fact that there is a possibility that a third party may see our text message to you, and you represent that any mobile phone number you gave us or will give us is your mobile phone number alone. You may cancel this consent by providing us with notice in writing. A married or registered domestic partner applicant may apply for a separate account. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. If we take any adverse action as defined by Section 1785.3 of the California Civil Code and the adverse action is based, in whole or in part, on any information contained in a consumer credit report, you have the right to obtain within 60 days a free copy of your consumer credit report from the consumer reporting agency who furnished us your consumer credit report and from any other consumer credit reporting agency which compiles and maintains files on consumers on a nationwide basis. You have the right as described by Section 1785.16 of the California Civil Code to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency. This Agreement encompasses the entire agreement of the parties, and supersedes all previous understandings and agreements between the Parties, whether oral or written. Any modifications to this Agreement must be made in writing and signed by both parties. ARBITRATION PROVISION WAIVER OF JURY TRIAL AND ARBITRATION PROVISION. Arbitration is a process in which persons with a dispute: (a) waive their rights to file a lawsuit and proceed in court and to have a jury trial to resolve their disputes; and (b) agree, instead, to submit their disputes to a neutral third person (an "arbitrator") for a decision. Each party to the dispute has an opportunity to present some evidence to the arbitrator. Pre-arbitration discovery may be limited. Arbitration proceedings are private and less formal than court trials. The arbitrator will issue a final and binding decision resolving the dispute, which may be enforced as a court judgment. A court rarely overturns an arbitrator's decision. We have a policy of arbitrating all disputes with customers which cannot be resolved in a small claims tribunal, including the scope and validity of this Arbitration Provision and any right you may have to participate in an alleged class action. THEREFORE, YOU ACKNOWLEDGE AND AGREE AS FOLLOWS: For purposes of this Waiver of Jury Trial and Arbitration Provision, the words "dispute" and "disputes" are given the broadest possible meaning and include, without limitation (a) all claims, disputes, or controversies arising from or relating directly or indirectly to the signing of this Arbitration Provision, the validity and scope of this Arbitration Provision and any claim or attempt to set aside this Arbitration Provision; (b) all federal or state law claims, disputes or controversies, arising from or relating directly or indirectly to the Note, the information you gave us before entering into this Agreement, including the customer information application, and/or any past agreement or agreements between you and us; (c) all counterclaims, cross-claims and third-party claims; (d) all common law claims, based upon contract, tort, fraud, or other intentional torts; (e) all claims based upon a violation of any state or federal constitution, statute or regulation; (f) all claims asserted by us against you, including claims for money damages to collect any sum we claim you owe us; (g) all claims asserted by you individually against us and/or any of our employees, agents, directors, officers, shareholders, governors, managers, members, parent company or affiliated entities (hereinafter collectively referred to as "related third parties"), including claims for money damages and/or equitable or injunctive relief; (h) all claims asserted on your behalf by another person; (i) all claims asserted by you as a private attorney general, as a representative and member of a class of persons, or in any other representative capacity, against us and/or related third parties (hereinafter referred to as "Representative Claims"); and/or (j) all claims arising from or relating directly or indirectly to the disclosure by us or related third parties of any non-public personal information about you. 1. You acknowledge and agree that by entering into this Arbitration Provision: (a) YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES; (b) YOU ARE GIVING UP YOUR RIGHT TO HAVE A COURT, OTHER THAN A SMALL CLAIMS TRIBUNAL, RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES; and (c) YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, AND/OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT FILED AGAINST US AND/OR RELATED THIRD PARTIES. 2. Except as provided in Paragraph 5 below, all disputes including any Representative Claims against us and/or related third parties shall be resolved by binding arbitration only on an individual basis with you. THEREFORE, THE ARBITRATOR SHALL NOT CONDUCT CLASS ARBITRATION; THAT IS, THE ARBITRATOR SHALL NOT ALLOW YOU TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY FOR OTHERS IN THE ARBITRATION. 3. Any party to a dispute, including related third parties, may send the other party written notice by certified mail return receipt requested of their intent to arbitrate and setting forth the subject of the dispute along with the relief requested, even if a lawsuit has been filed. Regardless of who demands arbitration, you shall have the right to select any of the following arbitration organizations to administer the arbitration: the American Arbitration Association (k 800-778-7879) http://www.adr.org or JAMS (1-800-352-5267) http://www.jamsadr.com. The parties may also agree to select an arbitrator who resides within your federal judicial district who is an attorney, retired judge, or arbitrator registered and in good standing with an arbitration association, and arbitrate in accordance with such arbitrator's rules. The party receiving notice of arbitration will respond in writing by certified mail return receipt requested within twenty (20) days. If you demand arbitration, you must inform us in your demand of the arbitration organization you have selected or whether you desire to select a local arbitrator. If related third parties or we demand arbitration, you must notify us within twenty (20) days in writing by certified mail return receipt requested of your decision to select an arbitration organization. If you fail to notify us, then we have the right to select an arbitration organization. The parties to such dispute will be governed by the rules and procedures of such arbitration organization applicable to consumer disputes, to the extent those rules and procedures do not contradict the express terms of this Arbitration Provision, including the limitations on the arbitrator below. You may obtain a copy of the rules and procedures by contacting the arbitration organization listed above. If neither the American Arbitration Association nor JAMS is available or willing to administer the arbitration and the parties cannot agree on a local arbitrator, then an arbitrator can be appointed by a court consistent with Section 5 of the FAA. 4. Regardless of who demands arbitration, at your request we will pay your portion of the arbitration expenses, including the filing, administrative, hearing and arbitrator's fees ("Arbitration Fees"). Throughout the arbitration, each party shall bear his or her own attorney's fees and expenses, such as witness and expert witness fees. The arbitrator shall apply applicable substantive law consistent with the FAA, and applicable statutes of limitation, and shall honor claims of privilege recognized at law. Any arbitration hearing will be conducted in the federal judicial district of your residence. The arbitrator may decide, with or without a hearing, any motion that is substantially similar to a motion to dismiss for failure to state a claim or a motion for summary judgment. In conducting the arbitration proceeding, the arbitrator shall not apply any federal or state rules of civil procedure or evidence. If allowed by statute or applicable law, the arbitrator may award statutory damages and/or reasonable attorney's fees and expenses. If the arbitrator renders a decision or an award in your favor resolving the dispute, we will reimburse you for any Arbitration Fees you have previously paid. At the timely request of any party, the arbitrator shall provide a written explanation for the award. The arbitrator's award may be filed with any court having jurisdiction. 5. All parties, including related third parties, shall retain the right to seek adjudication in a small claims tribunal in the county of your residence for disputes within the scope of such tribunal's jurisdiction. Any dispute, which cannot be adjudicated within the jurisdiction of a small claims tribunal, shall be resolved by binding arbitration. Any appeal of a judgment from a small claims tribunal shall be resolved by binding arbitration. 6. This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be governed by the FAA. 7. This Arbitration Provision is binding upon and benefits you, your respectiveheirs, successors and assigns. This_ 5- 5 5 _ 55 I ___5 I I Arbitration Provision continues in full force and effect, even if your obligations have been paid or discharged through bankruptcy. This Arbitration Provision survives any cancellation, termination, amendment, expiration or performance of any transaction between you and us and continues in full force and effect unless you and we otherwise agree in writing. Except for the waivers of representative actions contained in paragraphs 1(c) and 2, if any of this Arbitration Provision is held invalid, the remainder shall remain in effect. If the waivers of representative actions are held invalid, then this arbitration provision will be deemed null and void. OPT-OUT PROCESS You may choose to opt out of the Arbitration Provision, but only by following the process set-forth below. If you do not wish to be subject to this Arbitration Provision, then you must notify us in writing within sixty (60) calendar days of the date of this Note at the following address: Arbitration Opt-Out, LoanMe, Inc., 1900 S. State College Blvd., Suite 300, Anaheim, CA 92806. Your written notice must include your name, address, account number or social security number and a statement that you wish to opt out of this Arbitration Provision. YOU CERTIFY THAT YOU HAVE READ AND UNDERSTAND THIS ARBITRATION PROVISION AND AGREE TO BE BOUND TO ITS TERMS. Payments. You have previously authorized and requested us to initiate an automated clearinghouse or other electronic funds transfer ("EFF") from the bank account identified on your Application (the "Bank Account") to make each payment required hereunder on the day it is due. You also authorize us to initiate an EFI' to or from the Bank Account to correct any erroneous payment and, in the event any EFI' is unsuccessful, to attempt such payment up to two additional times. You understand that unsuccessful EFl's may result in charges by your bank, and you agree that we are not liable for such charges. You have the right to notice of all transfers of amounts different from your regular payment, but you agree to receive notice 10 days prior to any given transfer only if the amount to be transferred varies by more than $50 from your regular payment amount. You also authorize us to withdraw funds from your account on additional days throughout the month in the event you are delinquent on your loan payments. Your request and authorization for us to initiate EFl's is entirely voluntary, and you may terminate this authorization by notifying us in writing via fax (844-904-7368) or email (customer.service@LoanMe.com) soon enough to allow us a reasonable opportunity to act on your termination (generally at least three business days in advance). You may also terminate your authorization for us to initiate EFl's directly with the financial institution at which your Bank Account is located. By signing this promissory note, you also authorize us to obtain payments from your Bank Account by creating and processing paper checks (each a "Check") in place of initiating any or all of the EFl's described above. Each Check will be in the amount of the payment that would have been initiated as an EFI', and each Check will be deposited by us for processing on or after the same day that the payment would have been initiated as an EFI'. We will type your name in the signature line of each Check, and you agree that your typed name constitutes your authorized signature. You acknowledge that an electronic image of each Check may be created and processed as a substitute check pursuant to the Check 21 Act. If you terminate your EFI' authorization as described above, this authorization to create Checks will also terminate. You may also cancel by notifying your financial institution orally or in writing at least three business days before the scheduled date of any transfer. THIS LOAN CARRIES A VERY HIGH INTEREST RATE. YOU MAY BE ABLE TO OBTAIN CREDIT UNDER MORE FAVORABLE TERMS ELSEWHERE. EVEN THOUGH THE TERM OF THE LOAN IS 47 MONTHS, WE STRONGLY ENCOURAGE YOU TO PAY OFF THE LOAN AS SOON AS POSSIBLE. YOU HAVE THE RIGHT TO PAY OFF ALL OR ANY PORTION OF THE LOAN AT ANY TIME WITHOUT INCURRING ANY PENALTY. YOU WILL, HOWEVER, BE REQUIRED TO PAY ANY AND ALL INTEREST THAT HAS ACCRUED FROM THE FUNDING DATE UNTIL THE PAYOFF DATE. YOU CERTIFY THAT NO PERSON HAS PERFORMED ANY ACT AS A BROKER IN CONNECTION WITH THE MAKING OF THIS LOAN. YOU CERTIFY THAT YOU HAVE READ AND UNDERSTAND THE AMORTIZATION SCHEDULE ON THIS LOAN (Click here to View) AND ARE ABLE TO REPAY THE LOAN PURSUANT TO ITS TERMS. YOU ARE NOT AWARE OF ANY CIRCUMSTANCES THAT MIGHT CAUSE YOU TO FILE FOR BANKRUPTCY PROTECTION DURING THE TWELVE (12) MONTHS FOLLOWING THE EXECUTION OF THIS NOTE. ll-‘Il- Al I Illlll- Illl vuu rlnv: Kcnu ALI. ur In: Icxna Anu LUNULILUN: ur Irua PKUIvuaaUKI HUI: Anu ULaLLuauxc STATEMENT AND AGREE TO BE BOUND BY ITS TERMS. YOU UNDERSTAND AND AGREE THAT YOUR EXECUTION OF THIS NOTE SHALL HAVE THE SAME LEGAL FORCE AND EFFECT AS A PAPER CONTRACT. This Loan Is Made Pursuant To The California Finance Lender Law, Division 9 (commencing with Section 22000) of the Financial Code. FOR INFORMATION, CONTACT THE DEPARTMENT OF BUSINESS OVERSIGHT, STATE OF CALIFORNIA, LICENSE NO EXHIBIT B Loan Id: Borrower's Name: -2045 \NILY ZEVALLOS Loan Transaction History Principal Balance: Next Due Date: $3095.06 2017/04/01 Interest Rate: 135.0% Page 1 of 1 1 2016-12-29 2016-12-29 Beg'nning 3100 3100 Loan Origination Balance (loan (‘n ' ' ' X 2 2016-12-29 2017-02-01 Inial Interest 2.34 383.63, Loan Origination Due (FirstL Receivable onTenn) 3 2017-02-03 2017-02-01 ACH Payment 385.97 ACH Scheduled ACH for 2017-02-01 (1977727) -- ACHVendm=Nl A. SetemenD=1 9 777271 977727-- 21 201743203 2017-02a01 Allocate-To First -2.34 383.63 3097.66 Scheduled ACH Monthly for 2017-02-01 Receivable (1977727) -- ACHVendm=Nl A. SetemenD=1 9 777271 97772 -- S 2017-02-28 2017-03-01 Regu a: Monthly 2.6 348.49 Auto Receivable Receivable Sweep Create Monthly Receivable F 1E 2017mm 2017-03-09 Mo 3311115! MONEYGRAM mg refitPayment 91673381 7 2017-03-09 2017-03-01 Allocate To -2.6 -348.49 3095.06 mg ref# Monthly 91 673381 Receivable 8- 2017-03-31 2017-04-01 Regu arMonthly 2.9 348.19 Auto Receivable Receivable Sweep Create Monthly Receivable 9 2017-04-16 2017-04-16 Late Charge Fee 15 LATE Automated Fee Sweep 10 2017-04-30 2017-05-01 Regu arMonthly 3.22 347.87 Auto Receivable Receivable Sweep Create Monthly Receivable 11 2017-05-16 2017-05-16 Late Charge Fee 15 LATE Automated Fee Sweep 12 2017-05-31 2017-06-01 Regular Monthly 3.58 347.51 Auto Receivable Receivable Sweep Create Monthly Receivable 13 2017-06-1 6 2017-06-1 6 Late Charge Fee 15 LATE Automated Fee Sweep 14 2017-06-30 2017-07-01 Regular Monthly 3.99 347.1 Auto Receivable Receivable Sweep Create Monthly Receivable 15 2017-07-1 6 2017-07-1 6 Late Charge Fee 15 LATE Automated Fee Sweep 16 2017-07-26 2017-07-26 MoneyGram 100 MONEYGRAM Mg Ref# Payment 42870915 17 2017-07-26 2017-04-01 Allocate To -100 Mg Ref# Monthly 42870915 Receivable 18 2017a07-31 2017a08-01 Regu arMonthly 4.44 346.65 19 Auto Receivable Receivable Sweep Create Momhly Receivable» 19 2017-08-01 Revoke -4.44 -346.65 Charge Off Receivable (n . .20 2017a08-01 2017a07-31 Charge-Off -3095.06 -1290.67 <60 Charge OffP ‘ . A J 21 2017-08-01 2017-08-01 Regular Monthly 4.44 346.65 Charge Off Receivable 22 2017-08-3 1 2017-09-01 Regu arMonthly 4.94 346.1 5 Auto Receivable Receivable Sweep Create Mommy Receivable \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO Electmnicaily Christopher D. Mandarich SB 220693 wmemrcwmcawm'flmw “'5’" “'3‘“ Ajay Sood 33325294 EN 9/28/2021 Hayk Stambultsyan SB320973 33 fflnfimm 3.31m Martln Welngarten SB 201906 Deputy Elerlt MANDARICH LAW GROUP, LLP P.O. Box 109032 Chicago, IL 60610 Phone: 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintifl: LVNVFUNDING LLC SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED LVNV FUNDING LLC, Case N0, 21 -CLJ-05250 Plaintiff, COMPLAINT FOR: vs. FILE BY FAX 1. ACCOUNT STATED Liliana E Navarro, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant. DEMAND; $7,706.53 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1.P1aintiff is and at all times herein mentioned, LVNV FUNDING LLC, and successor in interest to original creditor, Citibank (South Dakota), N.A.. 2.P1aintiff is a debt buyer, and is the sole owner 0f the debt at issue. 3.The charge-off creditor at the time of charge-off is Citibank, N.A., 5800 South Corporate Place Sioux Falls, SD 57108, and the account number associated with this debt is XXXXXXXXXXXX3 863 . 4.The subj ect credit account has been purchased by the following entities after charge-off: Sherman Originator III LLC P.O. Box 10466 Greenville, SC 29603. Sherman Originator LLC P.O. BOX 10466 Greenville, SC 29603. The subject credit account was transferred by Sherman Originator LLC t0 PlaintiffLVNV FUNDING LLC, Who maintains an address at C/O Resurgent Capital Services LP P.O. Box 10466, Greenville SC 29603. 5.P1aintiff is informed and believes that Defendant are individuals Who currently reside COMPLAINT-l of5 EXh i bit "81 " \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO Within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the proper Court for trial 0f this action. 6.The name and last known address of the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0f the debt is Liliana E Navarro, %THOMAS K MCKNIGHT LLP PO BOX 27070, SANTA ANA, CA 92799-0000. 7.P1aintiff is unaware of the true names 0r capacities, Whether individual, corporate, associate or otherwise ofthe Defendant sued herein as DOES 1 through 10 inclusive, and therefore, sued the Defendant by such fictitious names. PlaintiffWill amend this Complaint t0 show their true names and capacities once ascertained. 8.Plaintiff believes and at all times mentioned herein, each of the Defendant was, and is, the agent, servant and employee, employer of each of the other Defendant, and also acted in the capacity 0f and as agent of the other Defendant. Plaintiff also believes that the individual Defendant, and each 0f them, are jointly and severally liable that the actions described herein were taken as actions for the benefit of the Defendant's separate and/or community property. 9.Plaintiff believes that, for value received, Defendant and each 0f them, executed and delivered a credit card application to the original creditor, Citibank (South Dakota), N.A. or made such application over the telephone or Internet. Pursuant to the aforementioned application, Citibank (South Dakota), N.A. provided Defendant With a credit account, and granted use privileges on the same, account number XXXXXXXXXXXX3863 (hereinafter “Account”). 10.Pri0r t0 the commencement 0f this action, the Account was assigned for value t0 the Plaintiff and Plaintiff is its current holder. 1 1.Defendant agreed t0 repay Citibank (South Dakota), N.A. and any successors in interest, for any charges 0n the Account including, but not limited to, charges for purchase 0f goods and service and/or cash advances and balance. 12.Defendant used the Account to make purchases and/or to take cash advances and/or t0 make balance transfers. Each time the Defendant used the Account t0 purchase goods and services COMPLAINT-2 of 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement to repay Citibank (South Dakota), N.A. and its successors in interest for the amount of the purchase and/or cash advances and/or balance transfers. 13.Month1y statements were sent to Defendant Which itemized all payments made and charges due on the Account. 14.The date 0f last payment 0n the subject account was 0n January 28, 2019. 15.Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected to pay amounts due 0n the Account. 16.The debt balance at charge-off was $7,818.59, and upon information and belief there is $0.00 in post charge off fees and $0.00 in post charge off interest. 17.Subsequent t0 charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $7,706.53. 18.A1th0ugh demand has been made upon said Defendant to pay said amount, n0 part has been paid, and it is now due and owing. 19.Upon information and belief, Citibank (South Dakota), N.A. and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 20.P1aintiff has complied with California Civil Code Section 1788.52. 21.P1aintiff has attached hereto as Exhibit A and incorporated herein by reference a copy of Billing Statement provided to the Defendant While the account was active, demonstrating that the debt was incurred by the Defendant. 22.Plaintiff has attached hereto as Exhibit B and incorporated herein by reference a copy 0f the Final Billing Statement and/or Transaction History. 23.Up0n opening the Account with Citibank (South Dakota), N.A., the Defendant(s) agree t0 reimburse Citibank (South Dakota), N.A., and hence Plaintiff as successor in interest for the costs related to the collection of amounts owing on the Account. Plaintiff has been required t0 COMPLAINT-3 0f 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO retain Mandarich Law Group, LLP to pursue collection of the amount due hereunder. FIRST CAUSE OF ACTION (Account Stated) 24.P1aintiff refers to and incorporates paragraphs 1 through 23. 25.Within the past 4 years, an account was stated in writing in Which it was agreed that Defendant were indebted in the amount previously referenced herein. Although demand has been made upon Defendant, said amount 0f $7,706.53 has not been paid, and it is now due, owing and unpaid from Defendant to Plaintiff, as successor in interest. SECOND CAUSE OF ACTION (Open Book Account) 26.P1aintiff refers t0 and incorporates paragraphs 1 through 25. 27.Within the past 4 years, Defendant and each 0f them became indebted in the amount of the previously mentioned herein for a balance due on a book account for goods sold and delivered and/or services rendered by Citibank (South Dakota), N.A.. Although demand has been made upon Defendant, said amount 0f $7,706.53 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 of 5 \OOOflQUl-I>WI\J>-‘ NNNNNNNNNr-tr-KHr-Kr-tr-tr-tr-tr-tr-t OOQQUl-RUJNF-‘OKDOOQONUl-hUJNF-‘O WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $7,706.53, 2. For reasonable attorneys fees pursuant to statute; 3. For costs of suit incurred; and 4. For such other and further relief as the Court deems just and proper. 5. Plaintiff remits all damages in excess of the jurisdictional amount 0f this Court. Dated: 09/21/2021 By: MANDARICH LAW GROUP, LLP QMM [X] Christopher D. Mandarich, Esq. Attorneysfor Plaintifi” COMPLAINT-5 0f 5 EXHIBIT A Citi® Diamond Preferred® Card L|L|ANA E NAVARRO Member Since 2015 Account numberending in23863 Billing Period201/11/19-02/12/19 FEBRUARY STATEMENT Minimum payment due: $172.86 New balance as of 02/12/19: $6,599.34 Payment due date: 03/08/19 Seethe. back of this statement for important information about how to avoid paying Interest on purchases. Late Payment Warninqzlf we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39 and your APRs may be increased up to the Penalty APR of 29.99%. Minimum Payment Warninqzlf 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: If you make no additional You wi|| pay off the charges using this card And you wi|| end up balance shown on this paying an estimated and each month you pay... statement in about... total of... Only the minimum payment 21 year(s) $15,377 $8,568$238 3 year(s) (Savings=$6,809) For information about credit counseling services, call 1-877-337-8187. Pay your bill from virtually anywhere with the Citi Mobile® App and Citi® 0nline To download: Text 'App15' to MyCiti (692484) or go to your device's app store. Or visit www.citicards.com OOOOOO MC OO A O L|L|ANA E NAVARRO 280 E OKEEFE ST APT L EAST PALO ALTO CA 94303-2116 www.citicards.com Customer Service 1-800-823-4086 TTY-hearing-impaired services only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 Account Summary Previous balance $6,688.12 Payments $195.64 Credits -$0.00 Pu rchases +$0.00 Cash advances +$0.00 Fees +$0.00 Interest +$106.86 New balance $6,599.34 Credit Limit Credit limit $7,200 Includes $1,000 cash advance limit Available credit $600 Includes $600 available for cash advances 0800 DOLE 3951: 1890Savings Spotliqht Your Diamond Preferred Lifetime Savings: $712.97 See page 3 to view your Savings Summary. L VALKER Minimum payment due $172.86 New balance $6,599.34 Payment due date 03/08/19 Amount enclosed: Account number ending in 3863 CITI CARDS PO BOX 78045 Phoenix, AZ 85062-8045 www.citicards.com Customer Service 1-800-823-4086 Page 2 of 3 TTY-hearing-impaired services only 1-800-325-2865L|L|ANA E NAVARRO Account Summary Trans. Post date date Description Amount Payments, Credits and Adjustments 01/28 PAYMENT THANK YOU $195.64 Fees charged Total fees charged in this billing period $0~00 Interest charged Date Description Amount 02/12 INTEREST CHARGED TO STANDARD PURCH $59.79 02/12 INTEREST CHARGED T0 PUR PR-08/02/17. $47.07 $106.86Total interest charged in this billing period 2019 totals year-to-date Total fees charged in 2019 $0.00 Total interest charged in 2019 $202.50 Interest charge calculation Days in billing cyclezss Your Annual Percentage Rate (APR)is the annual interest rate on your account. Annual percentage Balance subject rate (APR) to interest rate Interest chargeBalance type PU RCH ASES Standard Purch 18.24% (v) $3,625.54 (D) $59.79 Pur Pr 080217 17.24% (v) $3,019.78 (D) $47.07 ADVANCES standard Adv 27.49% (V) $0.00 (D) $0.00 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 SAVINGS SPOTLIGHT DETAILS INTEREST: If you have promotional balances on your account, we have estimated your savings. This savings is the difference between the interest that was assessed against the promotional balances using the promotional APRs and the estimated interest that would have been assessed against these same balances using the Enhanced Purchase APRs. This savings amount does not include any balance transfer fees. This savings is from your billing period covered by this statement. CITI EASY DEALS: If you made a purchase on Citi Easy Deals, your savings is the difference between the retail price and the price you paid. This savings is from the prior calendar month. CITI PRICE REWIND: If you received a Citi Price Rewind refund, savings is the refunded amount. This savings is from the prior calendar month. CITI DIAMOND PREFERRED LIFETIME SAVINGS: The savings from interest, Citi Easy Deals and Citi Price Rewind since you became a Citi Diamond Preferred cardmember. This savings amount does not include any balance transfer fees. If we need to contact you about your account, our records show your phone number(s) as 650-208-4867 (home). If 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. EDD 3012 3451: 'ISQD L WALKER Savings Spotlight Your Citi® Diamond Preferred® Savings Summary Citi Diamond Preferred Lifetime Savings $712.97I Interest: 01m 131 See Account Messages for more information about Savings Spotlight Citi Easy Deals“ T0 find out your current tier: Visit citieasydealscom 0r call the number provided above. Deals you can access, by tier: l Minimum Annual Purchases: $0.00 l Coupons for local dining and shopping Enhanced Tier l Minimum Annual Purchases: $100 l Base tier benefit l Plus deals 0n gift cards and magazines l Minimum Annual Purchases: $500 l Base and Enhanced tier benefits l Plus deals 0n merchandise, travel and daily deals » For complete details, go to citieasydeals.com www.citicards.com Customer Service 1-800-823-4086 TTY-hearing-impaired services only 1-800-325-2865L|L|ANA E NAVARRO Please be sure to pay on time. If you submit your payment by mail, we suggest you mail it no later than 03/01/2019 to allow enough time for regular mail to reach us. 2018 Citibank, N.A. Citi, Citi with Arc Design are registered service marks of Citigroup Inc. Page 3 of 3 EXHIBIT B LILIANA E NAVARRO %THOMAS K MCKNIGHT LLP PO BOX 27070 SANTA ANA CA 92799 LILIANA E NAVARRO Member Since 2015 Account number ending in: 3863 Billing Period:07/11/l9-08fl2/19 AUGUST STATEMENT Mlnlmum payment due: $1,978.64 New balance as of 08/12/19: $7,706.53 Payment due date: 09/08/19 Seethe back of this statement for Important Information about how to avoid paying Interest on purchases. Late Payment Warnlng If we do not receive your minimum payment by the date listed above. you may have to pay a late fee of up to $39 and your APRs may be increased up to the Penalty APR of 29.99%. Mlnlmum Payment Warnlng If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no addltlonal charges uslnq thls card and each month you pay... You wlll pay off the And you wlll end up balance shown on thls paglng an estlmated statement In about... o al of... Only the minimum payment 20 year(s) $15,371 For Information about credit counseling services, call 1-877-337-8188. Pay your blll trorn virtually anywhere with the cltl Mobllé“ App and Cltl' Onllne , To download: Text 'ApplS'to Myciti (692484) or qo to your device's app store. Or visit www.cltlcards.com 000000 MC 32 A 0 www.clticardscom Customer Service 1-800-823-4086 TTY-hearing-impaired services only 1-800-325-2865 BOX 6500 SIOUX FALLS. SD 57117 Account Summary Previous balance $7,546.75 Payments -$0.00 Credits 'S0.00 Purchases +$0.00 Cash advances +$0.00 Fees +$39.00 Interest +$120.78 New balance $7,706.53 Credit Limit Credit limit $7,200 Includes $1,000 cash advance limit Savings Spotlight Your Diamond Preferred Lifetime Savings: $712.97 See page 3 to view your Savings Summary. Minimum payment due New balance Payment due date Amount enclosed: Account number ending in 3863 CITI CARDS P0 BOX 78045 Phoenix. AZ 85062-8045 $1,978.64 $7,706.53 09/08/19 www.cltlcards.com Customor Sorvlco 1-800-823-4086 Page 2 of 3 TTY-hearlng-impaired services only 1-800-325-2865LILIANA E NAVARRO Account Summary Trans. Post date date Description Amount Fees charged Date Description Amount 08/12 LATE FEE - JUL PAYMENT PAST DUE $39.00 Total tees charged In this bllllnq period $39.00 Interest charged Date Description Amount 0871.5.W-WHINTEREST CHARGED To STANDARD PURCH $71.20 Bgémmmmi-TEREST CHARGED TO PUR PR-08/02/17. $49.58 Total Interest charged In thIs bIllIng perlod $120.18 2019 totals year-to-date Total fees charged In 2019 $223.00 $839.75Total Interest charged In 2019 Interest charge calculation Days In billing cycle:33 Your Annual Percentage Rate (APRIis the annual interest rate on your accomt. Annualpercenta e Balance subject Balance type rate (AP ) to Interest rate Interest charge pURCHA's'EE ' witgggffgfurch 17,999JEWWms'Z377.46(o) $71.20: ~ Pur Pr 080217 16.99% (V) $3,227.70 (D) $49.58. ”ADVANCES . Standard Adv 27.24% (V) $0.00 (D) $0.00 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 tra nsactions). Account messages SAVINGS SPOTLIGHT DETAILS INTEREST: If you have promotional balances on your account, we have estimated your savings. This savings is the difference between the interest that was assessed against the promotional balances using the promotional APRS and the estimated interest that would have been assessed against these same balances using the Enhanced Purchase APRs. This savings amount does not include any balance transfer fees. This savings is from your billing period covered by this statement. CITI EASY DEALS: If you made a purchase on Citi Easy Deals, your savings is the difference between the retail price and the price you paid. This savings is from the prior calendar month. CITI DIAMOND PREFERRED LIFETIME SAVINGS: The savings from interest, Citi Easy Deals since you became a Citi Diamond Preferred cardmember. This savings amount does not include any balance transfer fees. Please note that if we received your pay bygahone or online payment between 5 p.m. ET and midnight ET on the last day o your billing period, your payment will not be reflected until your next statement. If we need to contact you about your account, our records Show your phone number(s) as 650-208-4867 (home). 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. . IIII IILE 395h THO t Savings Spotlight Your Citi‘” Diamond Preferred° Savings Summary Citi Diamond Preferred Lifetime Savings I Interest: $712.97 CITI DIAMOND PREFERRED LIFETIME SAVINGS: See Account Messages for more information about Savings Spotlight www.citicards.com Customer Service 1-800-823-4086 Page 3 of 3 TTY-hearing-impaired services only 1-800-325-2865 LILIANA E NAVARRO ©2018 Citibank, N.A. Citi, Citi with Arc Design are registered service marks of Citigroup Inc. \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO EIHtrtnI-rally F ahyE-Jmflrrflrunflurrfi-mu.Cmnzyflmhuw [W 1 0/1 /2021 F3 {flMg n Christopher D. Mandarich SB 220693 “F“? Ajay Sood SB325294 Hayk Stambultsyan SB320973 Martin Weingarten SB 201906 MANDARICH LAW GROUP, LLP P.O. Box 109032 Chicago, IL 60610 Phone: 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintifl: Midland Credit Management, Inc SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED Midland Credit Management, Inc, Case N0. 21 _CLJ_05342 Plaintiff, FILE BY FAX COMPLAINT FOR: vs. 1. ACCOUNT STATED RICARDO VALLIN, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant. DEMAND; $13,158.35 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1. Plaintiff is and at all times herein mentioned, Midland Credit Management, Inc. 2. Plaintiff is a debt buyer, and is the sole owner 0f the debt at issue. 3. Plaintiff is informed and believes that Defendant are individuals who currently reside within the jurisdictional boundaries 0f the above entitled Court. Therefore, this Court is the proper Court for trial of this action. 4. Plaintiff is unaware of the true names or capacities, whether individual, corporate, associate or otherwise ofthe Defendant sued herein as DOES 1 through 10 inclusive, and therefore, sued the Defendant by such fictitious names. PlaintiffWill amend this Complaint t0 show their true names and capacities once ascertained. 5. Plaintiff believes and at all times mentioned herein, each of the Defendant was, and is, the agent, servant and employee, employer of each 0f the other Defendant, and also acted in the capacity 0f and as agent of the other Defendant. Plaintiff also believes that the individual Exhibit "82" Complaint Page 1 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONUl-bUJNHOKOOONONm-PWNHO Defendant, and each 0fthem, are jointly and severally liable that the actions described herein were taken as actions for the benefit 0f the Defendant's separate and/or community property. FACTS SPECIFIC TO CAPITAL ONE BANK (USA), N.A. CREDIT ACCOUNT XXXXXXXXXXXX7127 6. Plaintiff refers t0 and incorporates paragraphs 1 through 5. 7. Plaintiff is, and at all times herein mentioned, success in interest t0 original creditor, CAPITAL ONE BANK (USA), N.A.. 8. The subject credit account has been purchased by the following entities after charge-off: The subject credit account was transferred by CAPITAL ONE BANK (USA), N.A. to Plaintiff Midland Credit Management, Inc, who maintains an address at 350 Camino De La Reina Suite 100,San Diego CA 92108. 9. The charge-off creditor at the time 0fcharge-off is CAPITAL ONE BANK (USA), N.A., 4851 COX ROAD GLEN ALLEN, VA 23060, and the account number associated With this debt is XXXXXXXXXXXX7 1 27 . 10. The name and last known address of the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0f the debt is RICARDO VALLIN, APT 3 3238 ROLISON RD, REDWOOD CITY, CA 94063-4333. 11.The date 0f last payment on the subject account was on January 25, 2019. 12.Within the last four years, the Defendant failed t0 make payments as agreed on the Account. Defendant has failed, refused and neglected t0 pay amounts due 0n the Account. 13. The debt balance at charge-offwas $5,066.42, and upon information and belief there is Complaint Page 2 KOOOQONUl-bwwr-t NNNNNNNNNr-tr-tr-tr-tr-Ar-Ab-Ab-Ab-Ar-t OONlel-KUJNr-KOKOOONGUl-bUJNr-KO $0.00 in post charge off fees and $0.00 in post charge off interest. 14. Subsequent to charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $5,066.42. 15. Upon information and belief, CAPITAL ONE BANK (USA), N.A. and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 16. Plaintiff has complied With California Civil Code Section 1788.52. 17. Plaintiff has attached hereto as Exhibit A and incorporated herein by reference a copy 0f Billing Statement provided to the Defendant while the account was active, demonstrating that the debt was incurred by the Defendant. 18. Plaintiff has attached hereto as Exhibit B and incorporated herein by reference a copy of the Final Billing Statement and/or Transaction History. REST OF PAGE INTENTIONALLY LEFT BLANK /// /// /// Complaint Page 3 \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOQQUI-hUJNHO FACTS SPECIFIC TO CAPITAL ONE BANK (USA), N.A. CREDIT ACCOUNT XXXXXXXXXXXX0419 19. Plaintiff refers to and incorporates paragraphs 1 through 18. 20. Plaintiff is, and at all times herein mentioned, success in interest to original creditor, CAPITAL ONE BANK (USA), N.A.. 21. Plaintiff is the only entity that purchased the debt after charge-off and its name and address is as follows: Midland Credit Management, Inc 350 Camino De La Reina Suite 100 San Diego CA 92108. 22. The charge-off creditor at the time of charge-off is CAPITAL ONE BANK (USA), N.A., 4851 COX ROAD GLEN ALLEN, VA 23060, and the account number associated with this debt is XXXXXXXXXXXXO4 1 9. 23. The name and last known address 0f the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0f the debt is RICARDO VALLIN, 3238 ROLISON RD APT 3 , REDWOOD CITY, CA 94063-4333. 24. The date of last payment on the subj ect account was on January 25, 2019. 25. Within the last four years, the Defendant failed t0 make payments as agreed on the Account. Defendant has failed, refused and neglected to pay amounts due 0n the Account. 26. The debt balance at charge-offwas $6,927.06, and upon information and belief there is $0.00 in post charge off fees and $0.00 in post charge off interest. 27. Subsequent t0 charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $6,927.06. 28. Upon information and belief, CAPITAL ONE BANK (USA), N.A. and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 29. Plaintiff has complied with California Civil Code Section 1788.52. 30. Plaintiff has attached hereto as Exhibit C and incorporated herein by reference a copy Complaint Page 4 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONUl-bUJNHOKOOONONm-PWNHO of Billing Statement provided to the Defendant While the account was active, demonstrating that the debt was incurred by the Defendant. 3 1. Plaintiff has attached hereto as Exhibit D and incorporated herein by reference a copy of the Final Billing Statement and/or Transaction History REST OF PAGE LEFT INTENTIONALLY BLANK /// /// /// Complaint Page 5 \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOQQUI-hUJNHO FACTS SPECIFIC TO COMENITY CAPITAL BANK CREDIT ACCOUNT XXXXXXXXXXXXXX4771 32. Plaintiff refers to and incorporates paragraphs 1 through 3 1. 33. Plaintiff is, and at all times herein mentioned, success in interest to original creditor, COMENITY CAPITAL BANK. 34. Plaintiff is the only entity that purchased the debt after charge-off and its name and address is as follows: Midland Credit Management, Inc 350 Camino De La Reina Suite 100 San Diego CA 92108. 35. The charge-off creditor at the time of charge-off is COMENITY CAPITAL BANK, 2795 E. COTTONWOOD PARKWAY SUITE 100 SALT LAKE CITY, UT 84121, and the account number associated with this debt is XXXXXXXXXXXXXX477 1. 36. The name and last known address 0f the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0f the debt is RICARDO E VALLIN ZEPEDA, 3238 ROLISON RD APT 3 , REDWOOD CITY, CA 94063. 37. The date of last payment on the subject account was on February 11, 2019. 38. Within the last four years, the Defendant failed t0 make payments as agreed on the Account. Defendant has failed, refused and neglected to pay amounts due 0n the Account. 39. The debt balance at charge-offwas $1, 1 64.87, and upon information and belief there is $0.00 in post charge off fees and $0.00 in post charge off interest. 40. Subsequent t0 charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $1,164.87. 4 1. Upon information and belief, COMENITY CAPITAL BANK and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 42. Plaintiff has complied with California Civil Code Section 1788.52. 43. Plaintiff has attached hereto as Exhibit E and incorporated herein by reference a copy of Billing Statement provided t0 the Defendant While the account was active, demonstrating Complaint Page 6 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONUl-bUJNHOKOOONONm-PWNHO /// /// /// that the debt was incurred by the Defendant. 44. Plaintiff has attached hereto as Exhibit F and incorporated herein by reference a copy of the Final Billing Statement and/or Transaction History REST OF PAGE LEFT INTENTIONALLY BLANK Complaint Page 7 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONUl-bUJNHOKOOONONm-PWNHO FACTS COMMON TO ALL CAUSES OF ACTION 45. Plaintiff refers to and incorporates paragraphs 1 through 44. 46. Plaintiff seeks the total amount due and owing on Credit Account XXXXXXXXXXXX7 127, Credit Account XXXXXXXXXXXX0419 and Credit Account XXXXXXXXXXXXXX477 1 (hereinafter, “Accounts”). 47. Plaintiff believes that, for value received, Defendant and each of them, executed and delivered a credit card application t0 the original creditor(s) 0r made such application over the telephone or Internet. Pursuant t0 the aforementioned application, the original creditor(s) provided Defendant with the Accounts, and granted use privileges on the same. 48. Prior t0 the commencement of this action, the Accounts were assigned for value t0 the Plaintiff and Plaintiff is its current holder. 49. Defendant agreed t0 repay the original creditor(s) and any successors in interest, for any charges on the Accounts including, but not limited t0, charges for purchase 0f goods and service and/or cash advances and balance. 50. Defendant used the Accounts to make purchases and/or to take cash advances and/or to make balance transfers. Each time the Defendant used the Accounts to purchase goods and services and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement t0 repay the original credit0r(s) and its successors in interest for the amount 0f the purchase and/or cash advances and/or balance transfers. 51. Monthly statements were sent t0 Defendant Which itemized all payments made and charges due on the Accounts. 52. Although demand has been made upon said Defendant t0 pay said amount, n0 part has been paid, and it is now due and owing 0n the Accounts. FIRST CAUSE OF ACTION (Account Stated) Complaint Page 8 KOOONQUILUJNu-t NNNNNNNNNHHh-h-kh-HHHb-b- OONONLII-PUJNF-‘OKOOOQONUILWNHO 53.P1aintiff refers t0 and incorporates paragraphs 1 through 52. 54.Within the past 4 years, an account was stated in writing in Which it was agreed that Defendant were indebted in the amount previously referenced herein. Although demand has been made upon Defendant, said amount of $13,158.35 has not been paid, and it is now due, owing and unpaid from Defendant t0 Plaintiff, as successor in interest. SECOND CAUSE OF ACTION (Open Book Account) 55.P1aintiff refers t0 and incorporates paragraphs 1 through 54. 56.Within the past 4 years, Defendant and each 0f them became indebted in the amount of the previously mentioned herein for a balance due 0n a book account for goods sold and delivered and/or services rendered 0n Accounts. Although demand has been made upon Defendant, said amount 0f $13,158.35 has not been paid, and it is now due, owing and unpaid from Defendant to Plaintiff as successor in interest. Complaint Page 9 \OOOflQUl-I>WI\J>-‘ NNNNNNNNNr-tr-KHr-Kr-tr-tr-tr-tr-tr-t OOQQUl-RUJNF-‘OKDOOQONUl-hUJNF-‘O WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f 13,158.35, 2. For costs of suit incurred; and 3. For such other and further relief as the Court deems just and proper. 4. Plaintiff remits all damages in excess of the jurisdictional amount 0f this Court. Dated: 09/1 5/2021 By: /// /// /// MANDARICH LAW GROUP, LLP Q E w Christopher D. Mandarich SB 220693 Attorneysfor Plaintifl” Complaint Page 10 EXHIBIT A (3%“ Pégina 1 de 3Cuenta Platinum MasterCard que Termina en 7127Dic. 04, 2018 - Ene. 03, 2019 I31 dl’as en el Ciclo de Facturacién Informacién Sobre el Pago Resumen de la Cuenta Fecha de Vencimiento del Page Para pages por Internet y por Saldo Anterior $4,196.61 teléfono, Ia hora II’mite es 8 pm,Ene- 28; 20 1 9 Hora del Este. Pagos - $150.00 Saldo Nuevo Pago Ml’nimo a Pagar Otros Créditos $0.00 $4, 143.34 $138.00 Transacciones + $0.00 ADVERTENCIA SOBRE ATRAso EN EL PAGo: Si no recibimos su page Addams de Dmem e” EfeCt'w + $000 ml’nimo para Ia fecha de vencimiento, puede que tenga que pagar un - cargo de hasta $38.00 por atraso en el pago. cargos Aphcados + $000 ADVERTENCIA SOBRE PAGo MI’NIMO: Si sélo efectua eI page mn’nimo '"tereses Ap'icad°5 + $96-73 cada perl’odo, usted pagaré mas intereses y Ie tomara mas tiempo _ liquidar su saldo. Por ejemplo: saldo Nuevo ' $4’143'34 Si no hace cargos Pagaré todo el saldo Y terminaré I _ I _ adicionales usando esta que aparece en este pagando un total Llmlte de Credlto $425000 ~tarjeta y todos Ios meses estado de cuenta en estimado de I _ _ _ paga unos Credlto DIsponIbIe (a Ene. 03, 2019) $106.66 Page Minimo 19 Aos $12,519 Lllm. créd. para Adelantos EfeCtiVO $250.00 $169 3 Aos $6,102 Crédito Disponible para Adelantos $106.66 Ahorro aproximado si se paga el saldo en su totalidad en 3 aos: $6,417 . . .. ... 300086 Para Informacu'm sabre serVIcms de asesurl'a credltlcla, Ilame al -. . .. . Descarga la app dlsenada para ahorrar tiempo. Maneja tu cuenta desde donde quieras con la app de Capital One”. La app para Android solo en inglés. Notificaciones sobre la Cuenta Bienvenido(a) a Ias notificaciones sobre su cuenta. Consulte aqUI’ cada mes para obtener actualizaciones importantes sobre su cuenta. Pague o maneje su cuenta en capitalone.com.* (*Servicio en inglés.). Servicio a| Clientei: - Consulte Ia informacion importante a| reverso 1 Envie esta purcin de Ia factura y un solo cheque (u giro postal) para asegurar que su pago se 400039Capa ' tramite pronto. Haga envios por correo con siete dI’as laborales de anticipacion. Paga tu factura donde qureras. Paga tu factura de manera segura y revisa transacciones con la Cantidad Adjunta app de Capital One”. $ La app para Android solo en inglés. Fecha de Vencimiento del Pago: Ene. 28, 201 9 Cuenta que Termina en 7127 Pago MI’nimo a Pagar $138.00 Saldo Nuevo $4,143.34 RICARDO VALLIN APT 3 I3235 ROLISON RD Capltal One REDWOOD CITY1 CA HHDh3-H333 P-O- Box EDSHH City of Industry1 CA 31715-0533 |””'| I"|'I"'||I'I||'I'I|'III|'I'IIII""'|"||||||”|I'|I"'|'I'|||| ’I 7’|27 03 4143340150000138003 CaJ‘a/m Payment Information Account Summary Page 1 of 3 Platinum MasterCard Account Ending in 7127 Dec. 04, 2018- Jan. 03, 2019 | 31 days in Billing Cycle Payment Due Date For online and phone payments, previous Balance $4,196_61 the deadline is 8pm ET.Jan' 28’ 2019 Payments -$150.00 New Balance Minimum Payment Due Other Credits $0.00 $41 143-34 $138-00 Transactions + $0.00 LATE PAYMENT WARNING: If we do not receive your minimum payment Gas“ Advances + $000 by your due date, you may have to pay a late fee of up to $38.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you wi|| pay more in interest and it wi|| take you IntereSt Charged + $96-73 longer to pay off your balance. For example: New Balance = $4,143.34 If you make no You will pay off And you wi|| additional charges using the balance shown end up paying this card and each on this statement an estimated Credit Limit $4,250.00 month you pay... in about... total of... Available Credit (as of Jan. 03, 2019) $106.66 Minimum Payment 19 Years $12,519 Cash Advance Credit Limit $250.00 $169 3 Years $6,102 Estimated savings if balance is paid off in about 3 years: $6,417 Avallable credlt for caSh Advances $10666 If you would like information about credit counseling services, call -. 300086 Get the app designed to save time.' Effortlessly manage your account on the go withthe Capital One® mobile app. Account Notifications Welcome to your account notifications. Check back here each month for important updates about your account. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: - See reverse for Important Information i Va a cambiar de direccion? Puede umbiarsu direccién ingresando a su cuenta en Internet o llamando a Servicio al Puede.hacer el pago. d.e d'ferentes maneras: . . . . . Cliente- 1. Mediante Ios SerVIcios Bane-nos por Internet, ingresando a su cuenta (serVIcio disponible en inglés unicamente); 2. Por medio de Ia app de Ios Servicios Bancarios por M6vil de Capital One para dispositivos electrénicos aprobados (servicio disponible en inglés uniumente); 3. Mediante el Sistema Opencrom de Respuesta, llamando al numero de teléfono aparece al frente de este estado de cuenta y siguiendo Ias instrucciones; 4. Mediante el envio de pagos por correo postal con el cupén de pago o Ia informacién de su cuenta a Ia direccién de pago indicada al frente de este estado de cuenta. o Los pagos por m6vil, por Internet o por teléfono se acreditarén el dia Iaboral en que Ios recibamos, siempre como se hace por 8 p.m., Hora del Este. o Los pagos por correo se acreditarén el dia Iaboral en que Ios recibamos, siempre y cuando se reciban a mas tardar a Ias 5 p.m., hora loo-I, en nuestro centro de procesamiento. Debe enviar Ia parte inferior de este estado de cuenta y su cheque a Ia direccién de pago que aparece al frente de este estado de cuenta. Haga sus envios por correo postal con al menos siete (7) dias laborales de anticipacién. Es posible que pagos enviados por correo postal a cualquier otra direccién, o pagos hechos de cualquier otra manera, no se acrediten a su cuenta el dia que Ios recibamos. Cagfa/m Para ver sus transacciones, visite capitalone.com.* RICARDO VALLIN #7127: Pagos, Créditos y Aiustes Fecha Descripcién Canlidad Dic 25 CAPITAL ONE MOBILE PYMTAuthDate - $150.00 25-Dec RICARDO VALLIN #7127: Transacciones Fecha Descripcién Canlidad Fecha Descripcién Canlidad Total de Cargos para Este Perl’odo $0.00 lntereses Cargo por Intereses en Compras Cargos por Intereses sobre Adelantos de Dinero en Efectivo $000 Cargos por Intereses sobre Transferencias de Saldos $0.00 Total de Intereses para Este Perl’odo $96.73 E Total de Cargos cobrados Totales del Total de Intereses cobrados Ca’lculo de Cargos por Intereses Tasa de Interés Anual (APR) se refiere a Ia tasa de interés anual de Ia cuenta. Ti o de Saldo Tasa de lnterés Saldo Sujeto a la Cargo por p Anual (APR) Tasa de lnterés Intereses Compras 27.15% P $4,195.21 $96.73 Adelantos de Efectivo 27.15% P $0.00 $0.00 P,L,D,F = Tasa Variable. Consulte el reverso de Ia pégina 1 para mas detalles. Pégina 2 de 3 Cuenta Platinum MasterCard que Termina en 7127 Dic. 04, 2018 - Ene. 03, 2019| 31 dl’as en el Ciclo de Facturacién 300084 Mantente al dl’a con tu puntaje de crédito. Monitorea tu puntaje de crédito con CreditWise® desde la misma app mévil de Capital OneO. CapTfa/m” Visit to see detailed transactions. RICARDO VALLIN #71 27: Payments, Credits and Adjustments Date Description Amount Dec 25 CAPITAL ONE MOBILE PYMTAuthDate - $150.00 25-Dec RICARDO VALLIN #71 27: Transactions Date Description Amount Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $96.73 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $96.73 Total Fees charged $0.00 Total Interest charged $96.73 Interest Charge Calculation Your Annual Percentage Rate(APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subiect Interest Charge Balance Rate(APR) to Interest Rate Purchases 27.15% P $4,195.21 $96.73 Cash Advances 27.15% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. Page 2 of 3 Platinum MasterCard Account Ending in 7127 Dec. 04, 2018 - Jan. 03, 2019 | 31days in Billing Cycle 300084 Stay on top of your credit score. Monitor your credit score with CreditWise" built right into the Capital Oneg mobile app. zCémo puedo Evitar el Page de Cargos por lntereses? Si usted paga la totalidad de su "Nuevo Saldo" a més tardar para la fecha de vencimiento, no se le cobrarén cargos por intereses sobre las transacciones nuevas que se registren en el segmento de Compras. Si usted ha estado pagando la totalidad de su saldo sin que se le apliquen Cargos por Intereses, pero no paga su siguiente "Nuevo Saldo" en su totalidad, le cobraremos intereses sobre la porcién del saldo que usted no haya pagado. En usos de Adelantos de Dinero en Efecvo y Transferencias Especiales, comenzaremos a cobrar intereses a partir de la fecha de la transaccién. Puede que ciertas ofertas promocionales le pennitan pagar menos del total del Nuevo Saldo y evitar pagar Cargos por Intereses sobre las oompras nuevas. Para obtener mas infonnacién, oonsulte el frente de su estado de cuenta. (come se aplica el Cargo por Intereses? Los Cargos por Intereses se acumulan desde la fecha de la transaccién o el primer dia del Ciclo de Facturacién. Se acumulan Cargos por Intereses sobre toda cantidad pendiente de pago hasta que ésta se pague en su totalidad. Esto quiere decir que aunque pague todo el "Nuevo Saldo" de un Ciclo de Facturacién, puede que usted deba Cargos por Intereses si no pago el total del "Nuevo Saldo" del Ciclo de Facturacién anterior. Los Cargos por Intereses pendientes de pago se suman al segmento correspondiente de su cuenta. (Apnea Capital One un Came Minimo por Intereses? Se puede aplicar un Cargo minimo por Intereses de $0.00 por cada Ciclo de Facturacién si su cuenta esta sujeta a un Cargo por Intereses. (De gué forma Calcula Capital One el Camo por Intereses? Ulizamos un método llamado Saldo Promedio Diario (incluidas las transacciones nuevas). 1. Primero, para uda segmento, tomamos e| saldo inicial diario y sumamos las transacciones nuevas y e| Cargo periédico por Intereses sobre e| saldo del dia anterior. Luego, restamos cualquier pago y crédito registrado en ese segmento para ese dia. El resultado es e| saldo diario para cada segmento. Sin embargo, si e| saldo de su estado de cuenta anterior era de cero d6|ares o tenia un crédito a su favor, las tansacciones nuevas que se registran en su segmento de compras no se suman a los saldos diarios. 2. Después, para uda segmento, sumamos los saldos diarios para cada segmento y se divide e| resultado de esa suma por e| nl'rmero de dias en e| Ciclo de Facturacién. El resultado es e| Saldo Promedio Diario para uda segmento. 3. Al nal de cada Ciclo de Facturacién, multiplicamos su Saldo Promedio Diario para cada segmento por la tasa periédica diaria (la Tasa de Interés Anual (APR) dividida entre 365) para ese segmento, después se multiplica e| resultado por e| nlimero de dias en e| Ciclo de Facturacién. Sumamos todos los Cargos por Intereses para todos los segmentos. El resultado es el total de los Cargos por Intereses para el Ciclo de Facturacién. Al Saldo Promedio Diario se le llama Saldo Sujeto a Intereses en la seccién de Calculo de Cargos de Intereses de este Estado de Cuenta. NOTA: Debido a que se redondea la cifra o a que existe un Cargo minimo por Intereses, es posible que haya una pequea variacién entre este calculo y el Cargo por Intereses real que se apliu a su cuenta. (como puede cambiar mi Tasa de Interés Anual (APR) Variable? Sus APR pueden aumentar o disminuir de acuerdo con uno de los siguientes lndices (que se publican en el diario The Wall Street Journal ). El oddigo de letra que se presenta abajo oorresponde con la letra que aparece a lado de sus APR en la seccién Calculo de Cargos por Intereses de este estado de cuenta. C6digo al lado Forma en que ulculamos su(s) APR Cuando cambiara(n) su(s) APR de su(s) APR lndice + margen P Tasa Preferencial ("Prime") + margen El primer dia de los Ciclos de L Tasa LIBOR de 3 meses + margen Facturacién que terminan en enero, abril, julio y octubre. D Tasa Preferencial ("Prime") + margen El primer dia de uda Ciclo de F Tasa LIBOR de 1 mes + margen Facturacién. (como puedo evitar tener gue pagar Cuotas de Membresia? Si un aviso de renovacién esta impreso en esta declaracién, puede evitar tener que pagar una Cuota de membresia anual si nos solicita que cerremos su cuenta comunicandose con Servicio al Cliente a mas tardar 45 dias después del liltimo dia del Ciclo de Facturacién que corresponde a este estado de cuenta. Para no tener que pagar una Cuota de membresia mensual, cierre su cuenta y dejaremos de cargarle dicha cuota. (como Cierro Mi Cuenta? Usted puede comunicarse oon Servicio al Cliente en cualquier momento para solicitar que cerremos su cuenta. (como puedo Hacer Pagos? Puede hacer el pago de diferentes maneras: 1. Mediante los Servicios Banurios por lntemet, ingresando a su cuenta (servicio disponible en inglés linicamente); 2. Por medio de la app de los Servicios Banurios por M6vil de Capital One para dispositivos electrénicos aprobados (servicio disponible en inglés liniumente); 3. Mediante el Sistema Opencrom de Respuesta, llamando al nl'rmero de teléfono aparece al frente de este estado de cuenta y siguiendo las instrucciones; 4. Mediante el envio de pagos por correo postal con el cupén de pago o la infonnacién de su cuenta a la direccién de pago indiuda al frente de este estado de cuenta. (como Tramitan los Pagos? Cuando usted hace un pago, nos autoriza para iniciar una transaccién a través de la Camara de Compensacién Automatizada (ACH, por sus siglas en inglés) o un pago electénico que se debitara de su cuenta bancaria o de alguna otra cuenta relacionada. Al damos un cheque o infonnacién sobre su cheque para hacer un pago, nos autoriza para utilizar dicha infom‘racién con el n de hacer una sola transaccién desde su cuenta bancaria a tavés de la ACH u otro método de transferencia electénica. Es posible también que se procese como una tansaccién con cheque. Puede que los fondos se reliren de su cuenta bancaria el mismo dia en que tramitemos su pago. o Los pagos por movil, por Internet o por teléfono se acreditaran el dia laboral en que los recibamos, siempre como se hace por 8 p.m., Hora del Este. o Los pagos por correo se acreditaran el dia laboral en que los recibamos, siempre y cuando se reciban a mas tardar a las 5 p.m., hora loul, en nuestro centro de procesamiento. Debe enviar la parte inferior de este estado de cuenta y su cheque a la direccién de pago que aparece al frente de este estado de cuenta. Haga sus envios por correo postal con al menos siete (7) dias laborales de anticipacién. Es posible que pagos enviados por correo postal a cualquier otra direccién, o pagos hechos de cualquier oha manera, no se acrediten a su cuenta el dia que los recibamos. (como Aplican Mi Pago? Por lo general, aplicamos los pagos hasta su Pago Minimo primero al saldo con el APR mas bajo (incluso cuando dicho APR es de 0%), y después a los saldos con APR mas altos. Cualquier porcién de su pago que exceda su Pago Minimo se aplica primero al saldo con el APR mas alto y después a los saldos con los APR mas bajos. Resumen de los Derechos de Facturacion No Se Ne ocios Qué Hacer si Piensa que Hay un Error en Su Estado de Cuenta: Si usted piensa que hay un error en su estado de cuenta, escribanos a: Capital One P.0. Box 30285 Salt Lake City, UT 84130-0285. En su carta, denos la siguiente informacién: o lnfonnacién de la cuenta: Su nombre y el numero de cuenta. o Cantidad en d6lares: La cantidad en d6lares del supuesto error. o Descripcién del Problema: Si usted piensa que hay un error en su factura, describa lo que usted piensa que es incorrecto y por qué cree que es un error. Debe comunicarse con nosotros dentro de los 60 dias siguientes a la fecha en que el error aparezu en su estado de cuenta. Nos debe avisar por escrito sobre cualquier posible error. Puede llamamos o notiurnos por via electéniu, pero si lo hace no nos veremos en la obligacion de investigar ningun posible error y puede que usted tenga que pagar la cantidad en cuesén. Le enviaremos una notiacién por escrito dentro de los 30 dias siguientes al recibo de su carta. Mientras investigamos si se trata o no de un error, sucedera lo siguiente: o No podemos intentar cobrar la cantidad en cuestién, ni reportar a las agencias de infonnacién de crédito que usted se encuentra en estado de incumplimiento por esa cantidad. El cargo en cuestién puede pennanecer en su estado de cuenta y podremos seguir cobrandole intereses sobre esa cantidad. Sin embargo, si detenninamos que comelJ'mos un error, usted no tendra que pagar la cantidad en cuestién ni ningun interés, cargo o cuota que se relacione con esa cantidad. o Aunque no tiene que pagar la cantidad en cuestién hasta que le enviemos una notiacién con el resultado de nuestra investigacién, usted es responsable del resto de su saldo. o Podemos apliur cualquier cantidad pendiente de pago a su limite de crédito. En un plazo de 90 dias después de recibir su urta, le comuniuremos por escrito que hemos corregido el error (correccién que aparecera en su siguiente estado de cuenta) o las razones por las que creemos que la factura esta correcta. Sus Derechos en Caso de No Estar Satisfecho(a) con su Compra: Si usted no esta salisfecho(a) con los bienes o servicios que compro con su tarjeta de crédito, y ha intentado de buena fe corregir el problema con el comerciante, es posible que tenga el derecho de no pagar la cantidad restante adeudada por la compra. Para ejercer este derecho, se deben cumplir las siguientes condiciones: 1) Usted tiene que haber utilizado su tarjeta de crédito para hacer la compra. No caliun las compras con adelantos de dinero en efectivo obtenidos de un ujero automatico o con un cheque que tenga acceso a su cuenta de tarjeta de crédito; y 2) Usted no ha tenninado de pagar el total de la compra.Si se cumple todo lo anterior y usted todavia no esta satisfecho(a) con la oompra, comuniquese con nosotros por escrito a: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285. Mientras investigamos, se aplicaran las mismas reglas mencionadas arriba a la cantidad bajo reclamacién. Una vez nalizada la investigacién, le infonnaremos nuestra decisién. Si en ese momento pensamos que nos debe una cantidad y no nos paga, podriamos reportar que usted se encuentra en estado de incumplimiento. lica a Cuentas ara Pe ueos 2016 Capital One. Capital One es una marca de servicios registrada a nivel federal STC-08 11/01/16 How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction orthe rst day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe Interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.00 for each Billing Cycle if youraccount is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new hansactions). .First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. _\ Code next to How do we calculate your APR(s)? When your APR(s) will change your APR(s) Index + margin P Prime Rate + margin The rst day of the Billing Cycles L 3 month LIBOR + margin ending in Jan., April, July, and Oct. D Prime Rate + margin The rst day of each Billing Cycle. F 1 month LIBOR + margin How can I Avoid Membership Fees? If a Renewal Notice is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monme membership Fee. How can I Close My Account? You can contact Customer Service anytime to request that we close your account. How do I Make Payments? You may make your payment in several ways: 1. Online Banking by logging into your account; 2. Capital One Mobile Banking app for approved eleconic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. 001 How do you Process Payments? When you make a payment, you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. When will you Credit My Payment? o For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Please allow at least seven (7) business days for mail delivery. Mailed payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. We generally apply payments up to your Minimum Payment rst to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of your payment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billin Ri hts Summa Does not l to Small Business Accounts What To Do If You Think You Find A Mistake On Your Statement : If you think there is an error on your statement, write to us at: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285. In your letter, give us the following information: o Account information: Your name and account number. o Dollar amount: The dollar amount of the suspected error. o Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: o We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. o While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. o We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your letter, we will send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatised With Your Purchase: If you are dissatised with the goods or services that you have purchased with your credit card, and you have tied in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify; and 2) You must not yet have fully paid forthe purchase. If all of the criteria above are met and you are still dissatised with the purchase, contact us in writing at: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we nish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. 2016 Capital One. Capital One is a federally registered service mark ETC-08 11/01/16 EXHIBIT B 1 Cage/m Informacién Sobre el Pago Resumen de la Cuenta Fecha de Vencimiento del Pago PAGO VENCIDO Para pagos por Internet y por teléfono, Ia hora II’mite es 8 pm, Hora del Este. Pégina 1 de 4 Cuenta Platinum MasterCard que Termina en 7127 Ago. 04, 2019 - Sep. 03, 2019 I31 dl’as en el Ciclo de Facturacién Saldo Nuevo Page Ml’nimo a Pagar $5,066.42 $5,066.42 INFORMACION ACTUALIZADA SOBRE LA CUENTA: El pago de |a totalidad de su saldo se ha vencido. Cualquier pago que efecte Ie ayudaré a reducir saldo y liquidar |a deuda mas rapidamente. No obstante, puede que |a cantidad que se Ie exija pagar de inmediato varI’e, si acepté un acuerdo de pago por separado. Notificaci mes para obtener actualizaciones importantes sobre su cuenta. Saldo Anterior $4,950.98 Pagos $0.00 Otros Créditos $0.00 Transacciones + $0.00 Adelantos de Dinero en Efectivo + $0.00 Cargos Aplicados + $0.00 Intereses Aplicados + $1 15.44 Saldo Nuevo = $5,066.42 Crédito Disponible (a Sep. 03, 2019) N/A 300079 Capitalonel®/ ones sobre la Cuenta Bienvenido(a) a Ias notificaciones sobre su cuenta. Consulte aqUI’ cada Pague o maneje su cuenta en capitalone.com.* (*Servicio en inglés.). Fecha de Vencimiento del Pago: Pago Vencido Cuenta qu Envie esta purcin de Ia factura y un solo cheque (u giro postal) para asegurar que su pago se tramite pronto. Haga envios por correo con siete dl’as laborales de anticipacion. Servicio a| Clientei: - Consulte |a informacion importante a| reverso e Termina en 7127 Pago MI’nimo a Pagar $5,066.42 $ Saldo Nuevo $5,066.42 RICARDO VALLIN APT 3 3235 ROLISON RD REDWOOD CITY1 CA HHDEB-HBBB Cantidad Adjunta Cap'a/IOne® 400030 Capital One P.0. Box LDSHH City of Industry1 CA 31715-0533 1 7127 03 5066420140005066421 001 ' ' Page 1 of 4 capital ‘“ Platinum MasterCard Account Ending in 7127./ Aug. 04, 2019- Sep. 03, 2019 | 31 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, previous Balance $4,915,038 PAS-I- DU E the deadline is 8pm ET. Payments $0.00 New Balance Minimum Payment Due Other Credits $0.00 $51066-42 $51066-42 Transactions +$0.00 IMPORTANT ACCOUNT UPDATES: CaSh AdVanceS + $000 Your full balance is due. Any payment you make will reduce your balance Fees Charged + $000 and help pay off your debt faster. The amount you owe may differ if you've entered into a separate payment agreement. Interes‘t Charged + $1 15'44 New Balance = $5,066.42 Available Credit (as of Sep. 03, 2019) N/A 300079 CapitalOnel Account Notifications Welcome to your account notifications. Check back here each month for important updates about your account. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: - See reverse for Important Information i Va a cambiar de direccion? P°"’;“°h "ml ”aWLP:_f°s'-’t I Puede umbiarsu direccién ingresando a su cuenta en Internet o llamando a Servicio al ue e acer e pago e 'ere" es maneras' Cliente 1. Mediante Ios Servicios Bannrios por Internet, ingresando a su cuenta (servicio disponible' en inglés unicamente); 2. Por medio de Ia app de Ios Servicios Bancarios por M6vil de Capital One para dispositivos electrénicos aprobados (servicio disponible en inglés uniumente); 3. Mediante el Sistema Opencrom de Respuesta, llamando al numero de teléfono aparece al frente de este estado de cuenta y siguiendo Ias instrucciones; 4. Mediante el envio de pagos por correo postal con el cupén de pago o Ia informacién de su i. 33‘ Pague usando nuestra app mévil cuenta a Ia direccién de pago indicada al frente de este estado de cuenta.‘ ’ ’ (,Cuéndo Acreditaran Mi Pago ? o Los pagos por m6vil, por Internet o por teléfono se acreditarén el dia laboral en que Ios recibamos, siempre como se hace por 8 p.m., Hora del Este. o Los pagos por correo se acreditarén el dia laboral en que Ios recibamos, siempre y cuando se reciban a mas tardar a Ias 5 p.m., hora local, en nuestro centro de procesamiento. Debe enviar Ia parte inferior de este estado de cuenta y su cheque a Ia direccién de pago que aparece al frente de este estado de cuenta. Haga sus envios por correo postal con al menos siete (7) dias laborales de anticipacién. Es posible que pagos enviados por correo postal a cualquier otra direccién, o pagos hechos de cualquier otra manera, no se acrediten a su cuenta el dia que Ios recibamos. Pague por Internet en www.capitalone.com No se atendera ninguna solicitud por escrito en este formulario. Para administrar su cuenta, por favor consulte su estado de cuenta para ver Ias opciones de servicio al cliente. -/m Pégina 2 de 4' W Cuenta Platinum MasterCard que Termina en 7127capa/l Ago. 04, 2019 - Sep. 03, 2019| 31 dl’as en el Ciclo de Facturacién Transacciones 300079 Para ver sus transacciones, visite capitalone.com.* . ® RICARDO VALLIN #7127: Pagos, Créditos y Aiustes cap'ta/lom Fecha Descripcién Canlidad RICARDO VALLIN #7127: Transacciones Fecha Descripcién Canlidad Fecha Descripcién Canlidad Total de Cargos para Este Perl’odo $0.00 lntereses 11m Cargo por Intereses en Compras $1 15.44 Cargos por Intereses sobre Adelantos de Dinero en $0 00Efectivo ' Cargos por Intereses sobre Transferencias de Saldos $0.00 Total de Intereses para Este Perl’odo $1 15.44 Total de Cargos cobrados $1 03.00 Total de Intereses cobrados $926.78 Ca’lculo de Cargos por Intereses Tasa de Interés Anual (APR) se refiere a Ia tasa de interés anual de Ia cuenta. Ti o de Saldo Tasa de lnterés Saldo Sujeto a la Cargo por p Anual (APR) Tasa de lnterés Intereses Compras 27.15% P $5,006.61 $1 15.44 Adelantos de Efectivo 27.15% P $0.00 $0.00 P,L,D,F = Tasa Variable. Consulte el reverso de Ia pégina 1 para mas detalles. -/m Page 2 of 4' w Platinum MasterCard Account Ending in 7127capa/l Aug. 04, 2019 - Sep. 03, 2019 | 31days in Billing Cycle Transactions 300079 Visit to see detailed transactions. ° ® RICARDO VALLIN #71 27: Payments, Credits and Adjustments cap'ta/lom Date Description Amount RICARDO VALLIN #71 27: Transactions Date Description Amount Date Description Amount Total Fees for This Period $0.00I Interest Charge on Purchases $1 15.44 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $1 15.44 Total Fees charged $1 03.00 Total Interest charged $926.78 Interest Charge Calculation Your Annual Percentage Rate(APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subiect Interest Charge Balance Rate(APR) to Interest Rate Purchases 27.15% P $5,006.61 $1 15.44 Cash Advances 27.15% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. zCémo puedo Evitar el Page de Cargos por lntereses? Si usted paga la totalidad de su "Nuevo Saldo" a més tardar para la fecha de vencimiento, no se le cobrarén cargos por intereses sobre las transacciones nuevas que se registren en el segmento de Compras. Si usted ha estado pagando la totalidad de su saldo sin que se le apliquen Cargos por Intereses, pero no paga su siguiente "Nuevo Saldo" en su totalidad, le cobraremos intereses sobre la porcién del saldo que usted no haya pagado. En usos de Adelantos de Dinero en Efecvo y Transferencias Especiales, comenzaremos a cobrar intereses a partir de la fecha de la transaccién. Puede que ciertas ofertas promocionales le pennitan pagar menos del total del Nuevo Saldo y evitar pagar Cargos por Intereses sobre las oompras nuevas. Para obtener mas infonnacién, oonsulte el frente de su estado de cuenta. (come se aplica el Cargo por Intereses? Los Cargos por Intereses se acumulan desde la fecha de la transaccién o el primer dia del Ciclo de Facturacién. Se acumulan Cargos por Intereses sobre toda cantidad pendiente de pago hasta que ésta se pague en su totalidad. Esto quiere decir que aunque pague todo el "Nuevo Saldo" de un Ciclo de Facturacién, puede que usted deba Cargos por Intereses si no pago el total del "Nuevo Saldo" del Ciclo de Facturacién anterior. Los Cargos por Intereses pendientes de pago se suman al segmento correspondiente de su cuenta. (Apnea Capital One un Came Minimo por Intereses? Se puede aplicar un Cargo minimo por Intereses de $0.00 por cada Ciclo de Facturacién si su cuenta esta sujeta a un Cargo por Intereses. (De gué forma Calcula Capital One el Camo por Intereses? Ulizamos un método llamado Saldo Promedio Diario (incluidas las transacciones nuevas). 1. Primero, para uda segmento, tomamos e| saldo inicial diario y sumamos las transacciones nuevas y e| Cargo periédico por Intereses sobre e| saldo del dia anterior. Luego, restamos cualquier pago y crédito registrado en ese segmento para ese dia. El resultado es e| saldo diario para cada segmento. Sin embargo, si e| saldo de su estado de cuenta anterior era de cero d6|ares o tenia un crédito a su favor, las tansacciones nuevas que se registran en su segmento de compras no se suman a los saldos diarios. 2. Después, para uda segmento, sumamos los saldos diarios para cada segmento y se divide e| resultado de esa suma por e| nl'rmero de dias en e| Ciclo de Facturacién. El resultado es e| Saldo Promedio Diario para uda segmento. 3. Al nal de cada Ciclo de Facturacién, multiplicamos su Saldo Promedio Diario para cada segmento por la tasa periédica diaria (la Tasa de Interés Anual (APR) dividida entre 365) para ese segmento, después se multiplica e| resultado por e| nlimero de dias en e| Ciclo de Facturacién. Sumamos todos los Cargos por Intereses para todos los segmentos. El resultado es el total de los Cargos por Intereses para el Ciclo de Facturacién. Al Saldo Promedio Diario se le llama Saldo Sujeto a Intereses en la seccién de Calculo de Cargos de Intereses de este Estado de Cuenta. NOTA: Debido a que se redondea la cifra o a que existe un Cargo minimo por Intereses, es posible que haya una pequea variacién entre este calculo y el Cargo por Intereses real que se apliu a su cuenta. (como puede cambiar mi Tasa de Interés Anual (APR) Variable? Sus APR pueden aumentar o disminuir de acuerdo con uno de los siguientes lndices (que se publican en el diario The Wall Street Journal ). El oddigo de letra que se presenta abajo oorresponde con la letra que aparece a lado de sus APR en la seccién Calculo de Cargos por Intereses de este estado de cuenta. C6digo al lado Forma en que ulculamos su(s) APR Cuando cambiara(n) su(s) APR de su(s) APR lndice + margen P Tasa Preferencial ("Prime") + margen El primer dia de los Ciclos de L Tasa LIBOR de 3 meses + margen Facturacién que terminan en enero, abril, julio y octubre. D Tasa Preferencial ("Prime") + margen El primer dia de uda Ciclo de F Tasa LIBOR de 1 mes + margen Facturacién. (como puedo evitar tener gue pagar Cuotas de Membresia? Si un aviso de renovacién esta impreso en esta declaracién, puede evitar tener que pagar una Cuota de membresia anual si nos solicita que cerremos su cuenta comunicandose con Servicio al Cliente a mas tardar 45 dias después del liltimo dia del Ciclo de Facturacién que corresponde a este estado de cuenta. Para no tener que pagar una Cuota de membresia mensual, cierre su cuenta y dejaremos de cargarle dicha cuota. (como Cierro Mi Cuenta? Usted puede comunicarse oon Servicio al Cliente en cualquier momento para solicitar que cerremos su cuenta. (como puedo Hacer Pagos? Puede hacer el pago de diferentes maneras: 1. Mediante los Servicios Banurios por lntemet, ingresando a su cuenta (servicio disponible en inglés linicamente); 2. Por medio de la app de los Servicios Banurios por M6vil de Capital One para dispositivos electrénicos aprobados (servicio disponible en inglés liniumente); 3. Mediante el Sistema Opencrom de Respuesta, llamando al nl'rmero de teléfono aparece al frente de este estado de cuenta y siguiendo las instrucciones; 4. Mediante el envio de pagos por correo postal con el cupén de pago o la infonnacién de su cuenta a la direccién de pago indiuda al frente de este estado de cuenta. (como Tramitan los Pagos? Cuando usted hace un pago, nos autoriza para iniciar una transaccién a través de la Camara de Compensacién Automatizada (ACH, por sus siglas en inglés) o un pago electénico que se debitara de su cuenta bancaria o de alguna otra cuenta relacionada. Al damos un cheque o infonnacién sobre su cheque para hacer un pago, nos autoriza para utilizar dicha infom‘racién con el n de hacer una sola transaccién desde su cuenta bancaria a tavés de la ACH u otro método de transferencia electénica. Es posible también que se procese como una tansaccién con cheque. Puede que los fondos se reliren de su cuenta bancaria el mismo dia en que tramitemos su pago. o Los pagos por movil, por Internet o por teléfono se acreditaran el dia laboral en que los recibamos, siempre como se hace por 8 p.m., Hora del Este. o Los pagos por correo se acreditaran el dia laboral en que los recibamos, siempre y cuando se reciban a mas tardar a las 5 p.m., hora loul, en nuestro centro de procesamiento. Debe enviar la parte inferior de este estado de cuenta y su cheque a la direccién de pago que aparece al frente de este estado de cuenta. Haga sus envios por correo postal con al menos siete (7) dias laborales de anticipacién. Es posible que pagos enviados por correo postal a cualquier otra direccién, o pagos hechos de cualquier oha manera, no se acrediten a su cuenta el dia que los recibamos. (como Aplican Mi Pago? Por lo general, aplicamos los pagos hasta su Pago Minimo primero al saldo con el APR mas bajo (incluso cuando dicho APR es de 0%), y después a los saldos con APR mas altos. Cualquier porcién de su pago que exceda su Pago Minimo se aplica primero al saldo con el APR mas alto y después a los saldos con los APR mas bajos. Resumen de los Derechos de Facturacion No Se Ne ocios Qué Hacer si Piensa que Hay un Error en Su Estado de Cuenta: Si usted piensa que hay un error en su estado de cuenta, escribanos a: Capital One P.0. Box 30285 Salt Lake City, UT 84130-0285. En su carta, denos la siguiente informacién: o lnfonnacién de la cuenta: Su nombre y el numero de cuenta. o Cantidad en d6lares: La cantidad en d6lares del supuesto error. o Descripcién del Problema: Si usted piensa que hay un error en su factura, describa lo que usted piensa que es incorrecto y por qué cree que es un error. Debe comunicarse con nosotros dentro de los 60 dias siguientes a la fecha en que el error aparezu en su estado de cuenta. Nos debe avisar por escrito sobre cualquier posible error. Puede llamamos o notiurnos por via electéniu, pero si lo hace no nos veremos en la obligacion de investigar ningun posible error y puede que usted tenga que pagar la cantidad en cuesén. Le enviaremos una notiacién por escrito dentro de los 30 dias siguientes al recibo de su carta. Mientras investigamos si se trata o no de un error, sucedera lo siguiente: o No podemos intentar cobrar la cantidad en cuestién, ni reportar a las agencias de infonnacién de crédito que usted se encuentra en estado de incumplimiento por esa cantidad. El cargo en cuestién puede pennanecer en su estado de cuenta y podremos seguir cobrandole intereses sobre esa cantidad. Sin embargo, si detenninamos que comelJ'mos un error, usted no tendra que pagar la cantidad en cuestién ni ningun interés, cargo o cuota que se relacione con esa cantidad. o Aunque no tiene que pagar la cantidad en cuestién hasta que le enviemos una notiacién con el resultado de nuestra investigacién, usted es responsable del resto de su saldo. o Podemos apliur cualquier cantidad pendiente de pago a su limite de crédito. En un plazo de 90 dias después de recibir su urta, le comuniuremos por escrito que hemos corregido el error (correccién que aparecera en su siguiente estado de cuenta) o las razones por las que creemos que la factura esta correcta. Sus Derechos en Caso de No Estar Satisfecho(a) con su Compra: Si usted no esta salisfecho(a) con los bienes o servicios que compro con su tarjeta de crédito, y ha intentado de buena fe corregir el problema con el comerciante, es posible que tenga el derecho de no pagar la cantidad restante adeudada por la compra. Para ejercer este derecho, se deben cumplir las siguientes condiciones: 1) Usted tiene que haber utilizado su tarjeta de crédito para hacer la compra. No caliun las compras con adelantos de dinero en efectivo obtenidos de un ujero automatico o con un cheque que tenga acceso a su cuenta de tarjeta de crédito; y 2) Usted no ha tenninado de pagar el total de la compra.Si se cumple todo lo anterior y usted todavia no esta satisfecho(a) con la oompra, comuniquese con nosotros por escrito a: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285. Mientras investigamos, se aplicaran las mismas reglas mencionadas arriba a la cantidad bajo reclamacién. Una vez nalizada la investigacién, le infonnaremos nuestra decisién. Si en ese momento pensamos que nos debe una cantidad y no nos paga, podriamos reportar que usted se encuentra en estado de incumplimiento. lica a Cuentas ara Pe ueos 2016 Capital One. Capital One es una marca de servicios registrada a nivel federal STC-08 11/01/16 How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction orthe rst day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe Interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.00 for each Billing Cycle if youraccount is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new hansactions). .First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. _\ Code next to How do we calculate your APR(s)? When your APR(s) will change your APR(s) Index + margin P Prime Rate + margin The rst day of the Billing Cycles L 3 month LIBOR + margin ending in Jan., April, July, and Oct. D Prime Rate + margin The rst day of each Billing Cycle. F 1 month LIBOR + margin How can I Avoid Membership Fees? If a Renewal Notice is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monme membership Fee. How can I Close My Account? You can contact Customer Service anytime to request that we close your account. How do I Make Payments? You may make your payment in several ways: 1. Online Banking by logging into your account; 2. Capital One Mobile Banking app for approved eleconic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. 001 How do you Process Payments? When you make a payment, you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. When will you Credit My Payment? o For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Please allow at least seven (7) business days for mail delivery. Mailed payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. We generally apply payments up to your Minimum Payment rst to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of your payment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billin Ri hts Summa Does not l to Small Business Accounts What To Do If You Think You Find A Mistake On Your Statement : If you think there is an error on your statement, write to us at: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285. In your letter, give us the following information: o Account information: Your name and account number. o Dollar amount: The dollar amount of the suspected error. o Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: o We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. o While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. o We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your letter, we will send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatised With Your Purchase: If you are dissatised with the goods or services that you have purchased with your credit card, and you have tied in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify; and 2) You must not yet have fully paid forthe purchase. If all of the criteria above are met and you are still dissatised with the purchase, contact us in writing at: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we nish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. 2016 Capital One. Capital One is a federally registered service mark ETC-08 11/01/16 201 146 Su cuenta ha sido dada en pérdida. Ahora, el Departamento de Recuperacién de Fondos esta’ encargado de su cuenta. Si tiene alguna pregunta sobre este aviso, llame gratis al -. d pérdida. .#.h-::Ira. E [LIE:J.3"tarrent:: 9 PIECLJp-eracifinr 6 CIH C-S é emier'gado Eze ELI EIJFIE S iE’E gma pregunta a 65:6 wait Ilen gmaiia . EJIILE 201 146 Your account has charged off. It is now being serviced by the Recoveries department. Call - if you have questions about this notice. charged ff 5 I'IU'IJ‘." hem nti b1; TE e:fil'ua'e s. deglatmeni._ qLJestian :h "Imm . EJIILE EXHIBIT C mg“ Payment Information Account Summary Payment Due Date Feb. 28, 2019 For online and phone payments, the deadline is 8pm ET. New Balance Minimum Payment Due $5,611.31 $187.00 by your due date, you may have to pay a late fee of up to $38.00. MINIMUM PAYMENT WARNING: 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: LATE PAYMENT WARNING: If we do not receive your minimum payment If you make no You will pay of'f And you will additional charges using the balance shown end up paying this card and each on this statement an estimated month you pay... in about... total of... Minimum Payment 22 Years $17,439 $230 3 Years $8,263 Estimated savings if balance is paid off in about 3 years: $9,176 If you would like information about credit counseling services, call -. Page 1 of 2 Platinum MasterCard Account Ending in 0419 Jan. 04, 2019- Feb. 03, 2019 | 31 days in Billing Cycle Previous Balance $5,625.46 Payments - $190.00 Other Credits $0.00 Transactions + $45.89 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $129.96 New Balance = $5,61 1.31 Credit Limit $5,800.00 Available Credit (as of Feb. 03, 2019) $188.69 Cash Advance Credit Limit $150.00 Available Credit for Cash Advances $0.00 “Important Notice“ We are unable to provide your Rewards Summary on this month's statement. To review your current Rewards balance or for additional Rewards information, please log in to your account at or the Capital One Mobile Banking app. Account Notifications Welcome to your account notifications. Check back here each month for important updates about your account. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: - See reverse for Important Information Please send us this portion of your statement and only one check (or one money order) to Capa ' ensure your payment is processed promptly. Allow at least seven business days for delivery. 400038 Get the app designed _ _ to save time. Payment Due Date: Feb. 28, 201 9 Account Endlng In 0419 ' Effortlessly manage youraccount on the o with New Balance Minimum Payment Due Amount Enclosed the Capita| Onegmobile app $5,611.31 $187.00 $ RICARDO VALLIN 3235 ROLISON RD APT 3 REDWOOD CITY1 CA 3HDh3-H333 Capital One P.0. Box LDSHH City of Industry1 CA 31?lh-D533 1 o419 03 5611310190000187008 How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the porlion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the rst day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe Interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Chame? We may assess a minimum Interest Charge of $0.00 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new hansactions). .First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days in the Billing Cycle. We add the Interest Charges forall segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? YourAPRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. _\ Code next to How do we calculate your When your APR(s) will change vour APR(s) APR s ? Index + mar in P Prime Rate + margin The rst day of the Billing Cycles that L 3 month LIBOR + margin end in Jan., April, July, and Oct. D Prime Rate + margin The rst day of each Billing Cycle. F 1 month LIBOR + margin How can I Avoid Membership Fees? If a Renewal Notice is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request that we close your account. Changi_ng Mailing Address? You can change your address by signing into your account online or ulling Customer Service. 001 How do you Process Payments? When you make a payment, you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minimum Payment rst to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with IowerAPRs. Billin Ri hts Summa Does not l to Small Business Accounts What To Do If You Think You Find A Mistake 0n Your Statement : If you think there is an error on your statement, write to us at: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285. In your letter, give us the following information: o Account information: Your name and account number. o Dollar amount: The dollar amount of the suspected error. o Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: o We unnot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. o While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. o We an apply any unpaid amount against your credit limit. Within 90 days of our receipt of your letter, we will send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatised With Your Purchase: If you are dissatised with the goods or services that you have purchased with your credit lard, and you have tied in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify; and 2) You must not yet have illy paid for the purchase. If all of the criteria above are met and you are still dissatised with the purchase, contact us in writing at: Capital One, P.O. Box 30285, Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we nish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 2016 Capital One. Capital One is a federally registered service mark 11/01/16 How do I Make Payments? You may make your payment'In several ways. Online Banking by logging into your account, 2. Capital One Mobile Banking app for approved eleconic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? o For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. o For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Please allow at least seven (7) business days for mail delivery. Mailed payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. CapTfa/m” Visit to see detailed transactions. RICARDO VALLIN #041 9: Payments, Credits and Adjustments Date Description Amount Jan 25 CAPITAL ONE MOBILE PYMTAuthDate - $190.00 25-Jan RICARDO VALLIN #041 9: Transactions Date Description Amount Jan 29 TORTAS AHOGADAS - ALUMSAN JOSECA $29.50 Jan 29 TORTAS AHOGADAS - ALUMSAN JOSECA $16.39 RICARDO VALLIN #0419: Total $45.89 Total Transactions for This Period $45.89f Date Description Amount Total Fees for This Period $0.00i Interest Charge on Purchases $1 17.66 Interest Charge on Cash Advances $12.30 Interest Charge on Other Balances $0.00 Total Interest for This Period $129.96L Total Fees charged $0.00 Total Interest charged $261 .24 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subiect Interest Charge Balance Rate(APR) to Interest Rate Purchases 27.15% P $5,102.81 $117.66 Cash Advances 27.15% P $533.26 $12.30 P,L,D,F = Variable Rate. See reverse of page 1 for details. Page 2 of 2 Platinum MasterCard Account Ending in 0419 Jan. 04, 2019 - Feb. 03, 2019| 31 days in Billing Cycle 720 300085 Protect your credit score. Detect fraud with automatic alerts if your credit report changes with CreditWiseQ-built right into the Capital One® mobile app. EXHIBIT D mg“ Payment Information Account Summary Page 1 of 3 Platinum MasterCard Account Ending in 0419 Aug. 04, 2019- Sep. 03, 2019 | 31 days in Billing Cycle Payment Due Date For online and phone payments, PAST DU E the deadline is 8pm ET. New Balance Minimum Payment Due $6,927.06 $6,927.06 IMPORTANT ACCOUNT UPDATES: Your full balance is due. Any payment you make wi|| reduce your balance and help pay off your debt faster. The amount you owe may differ if you've entered into a separate payment agreement. Previous Balance $6,769.23 Payments $0.00 Other Credits $0.00 Transactions + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $157.83 New Balance = $6,927.06 Available Credit (as of Sep. 03, 2019) N/A 300079 C Iap'a/IOne® Account Notifications Welcome t0 your account notifications. Check back here each month for important updates about your account. Pay 0r manage your account 0n our mobile app 0r at www.capitalone.c0m. Customer Service: - See reverse for Important Information Please send us this portion 0f your statement and only one check (or one money order) to Capa ' ensure your payment is processed promptly. Allow at least seven business days for delivery. 400030 Payment Due Date: Past Due Account Ending in 0419 ’ New Balance Minimum Payment Due Amount Enclosed $6,927.06 $6,927.06 $ RICARDO VALLIN 3235 ROLISON RD APT 3 REDWOOD CITY1 CA 39053-9333 ap'a/IOne® Capital One P.0. Box LDSHH City of Industry1 CA 31715-0533 1 o419 03 6927060190006927062 How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the porlion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the rst day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe Interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Chame? We may assess a minimum Interest Charge of $0.00 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new hansactions). .First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days in the Billing Cycle. We add the Interest Charges forall segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? YourAPRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. _\ Code next to How do we calculate your When your APR(s) will change vour APR(s) APR s ? Index + mar in P Prime Rate + margin The rst day of the Billing Cycles that L 3 month LIBOR + margin end in Jan., April, July, and Oct. D Prime Rate + margin The rst day of each Billing Cycle. F 1 month LIBOR + margin How can I Avoid Membership Fees? If a Renewal Notice is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request that we close your account. Changi_ng Mailing Address? You can change your address by signing into your account online or ulling Customer Service. Pay online at www.capitalone.com Pay using our mobile app 001 How do you Process Payments? When you make a payment, you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minimum Payment rst to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with IowerAPRs. Billin Ri hts Summa Does not l to Small Business Accounts What To Do If You Think You Find A Mistake 0n Your Statement : If you think there is an error on your statement, write to us at: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285. In your letter, give us the following information: o Account information: Your name and account number. o Dollar amount: The dollar amount of the suspected error. o Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: o We unnot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. o While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. o We an apply any unpaid amount against your credit limit. Within 90 days of our receipt of your letter, we will send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatised With Your Purchase: If you are dissatised with the goods or services that you have purchased with your credit lard, and you have tied in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify; and 2) You must not yet have illy paid for the purchase. If all of the criteria above are met and you are still dissatised with the purchase, contact us in writing at: Capital One, P.O. Box 30285, Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we nish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 2016 Capital One. Capital One is a federally registered service mark 11/01/16 How do I Make Payments? You may make your payment'In several ways. 1. Online Banking by logging into your account, 2. Capital One Mobile Banking app for approved eleconic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? o For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. o For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Please allow at least seven (7) business days for mail delivery. Mailed payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. Any written requests on this form will not be honored. To manage your account, please refer to your billing statement for customer service options. ' ' Page 2 of 3 Capital ‘° Platinum MasterCard Account Ending in 0419./ Aug. 04, 2019 - Sep. 03, 2019| 31 days in Billing Cycle Transactions 300079 Visit to see detailed transactions. ’° ® RIcARno VALLIN #041 9: Payments, Credits and Adjustments ap'ta/lom Date Description Amount RICARDO VALLIN #041 9: Transactions Date Description Amount Date Description Amount Total Fees for This Period $0.00 rut- Interest Charge on Purchases $143.66 Interest Charge on Cash Advances $14.17 Interest Charge on Other Balances $0.00 Total Interest for This Period $157.83f Total Fees charged $1 22.00 Total Interest charged $1 263.48 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subiect Interest Charge Balance Rate(APR) to Interest Rate Purchases 27.15% P $6,230.64 $143.66 Cash Advances 27.15% P $614.65 $14.17 P,L,D,F = Variable Rate. See reverse of page 1 for details. 201 146 Your account has charged off. It is now being serviced by the Recoveries department. Call - if you have questions about this notice. charged ff 5 I'IU'IJ‘." hem nti b1; TE e:fil'ua'e s. deglatmeni._ qLJestian :h "Imm . EJIILE EXHIBIT E ' llllllllllllllll DO N ’ T F0 RG ET CREATE AN ONLINE ACCOUNT AT CHILDRENSPLACECCM AND... M Getaccessto MPRCC promotions M Shopthe latestsales M Receive yourrewards* M Getbirthdaysavings 5*The My Place Rewards Program is provided by The Children‘s Place, Inc. and its terms may Change at any time.For fLIII Rewards Terms and Conditions, please visit childrensplace.com/rewards-terms. \\ \\ PAGE 1 OF 4 Summary of account activity Account no. ****-****-****-4771 New balance $66.37 Minimum payment due $27.00 Previous balance $94.26 Payment due date 02/12/2019 Payments -30.00 _ Other credits 0.00 Late payment Wam'ng: I I Purchases 0.00 If we do not receive your minimum payment by 02/12/2019 you may Other debits 000 have to pay up to a $37.00 late fee. Fees charged 0.00 Minimum payment warning: If you make only the minimumIntereSt Charged 2'11 payment for each period, you will pay more in interest and it will take New balance $66.37 you longer to pay off your balances. For example: PaSt due amount 0'00 If you make no additional You will pay off And you will Credit limit $80000 charges using this card the balance shown end up paying an Available credit $73363 and each month you pay: on the statement estimated total Statement closing date 01/17/2019 i” abm‘t: °f: Days in billing cycle 31 Only the minimum payment 3 months $70 For information regarding credit counseling services, call . Account Questions? Need to make a payment? Want to know how to go paperless? Visit Comenity.net/childrensplace or call - (TDD/TTY -). Want to stay in the know with credit tips and news? Visit us at facebook.com/askcomenity or at twitter.com/askcomenity. BIGGER BETTER BENEFITS 25% OFF BIRTHDAY SAVINGS** DOUBLE POINTS ON EVERY FREE STANDARD SHIPPING PURCHASE*** EVERY DAY**** Add up to 4 kids' birthdays to your account at childrensplacecom $1 spent = 2 points **,***,**** See details in the 100 points = $5 reward " dditional Important Messages" section Details of your transactions TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT 01/1 1/201 9 PAYMENT-THANK YOU -30.00 Fees Total fees charged for this period $0.00 Interest charged Interest charge on purchases $2.11 Total interest for this period $2.11 201 9 totals year to date Total fees charged in 2019 $0.00 Total interest charged in 2019 $2.11 NOTICE: See reverse side for important information. Please tear at perforation above Account THE CHILDREN’ S number ****-****-****-4771 New balance Minimum payment I I I l S< I I , $66.37 $27.00 99 3 Payment must reach us byYes, | have moved or updated my _e_mai| address _ see Amount enclosed. 6 pm ET on 02/1 2/2019. Please make check payable to: COMENITY - MY PLACE REWARDS CREDIT"II'II"IIIII”'I'II'III'mII'I'II"I'IIIIII'III'II'II'I'I'Ir'r CARD Please return this portion along with your payment to:RICARDO E VALLIN ZEPEDA 3238 ROLISON RD APT 3 P0 BOX 659450 REDWOOD CITY CA 94063-4333 SAN ANTONIO TX 78265-9450 ("lllllllll llllllllllll’IIIlA Keep this portion for your records. What To Do If You Think You Find A Mistake 0n Your Statement If you think there is an error on your statement, write to us at: Comenity Capital Bank, PO Box 182620, Columbus, Ohio 4321872620. In your letter, give us the following information:' Account information: Your name and account number.' Dollar amount: The dollar amount of the suspected error.' Description of Prob/em: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 6O days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true:' We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance.' We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these is necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. lf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Comenity Capital Bank, PO Box 182620, Columbus, Ohio 4321872620. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. HOW T0 AVOID PAYING INTEREST. Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin to charge interest on new purchases made under a Low APR, Equal Payment or Budget Payment Credit Plan from the date of purchase. BALANCE COMPUTATION METHOD. We calculate interest separately for each type of balance on your account using a “Daily Balance” to determine interest charges for each billing period. We figure the interest charge on your account by applying the periodic rate to the “daily balance” of your account for each day in the billing cycle. To get the “daily balance” we take the beginning balance of your account each day, add any new purchases and fees, and subtract any payments or credits (treating any net credit balance as a zero balance). This gives us the daily balance. CREDIT REPORTING. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. NOTICE 0F CREDIT REPORT DISPUTES. If you believe the account information we reported to a consumer reporting agency is inaccurate, you may submit a direct dispute to Comenity Capital Bank, PO Box 182120, Columbus, Ohio 4321872120. Your written dispute must provide sufficient information to identify the account and specify why the information is inaccurate: Account Information: Your name and account number Contact Information: Your address and telephone number Disputed Information: Identify the account information disputed and explain why you believe it is inaccurate Supporting Documentation: If available, provide a copy of the section of the credit report showing the account information you are disputing We will investigate the disputed information and report the results to you within 30 days of receipt of the information needed for our investigation. If we find that the account information we reported is inaccurate, we will promptly provide the necessary correction to each consumer reporting agency to which we reported the information. PAYMENTS MARKED "PAID IN FULL". All written communications regarding disputed amounts that include any check or other payment instrument marked with “payment in full” or similar language, must be sent to: 6550 North Loop 1604 East, Suite 101, San Antonio, TX 7824775004. D0 NOT USE THE ENCLOSED REMITTANCE ENVELOPE. e We may accept payment sent to any other address without losing any of our rights. eNo payment shall operate as an accord and satisfaction without prior written approval. CUSTOMER SERVICE. Visit comenity.net/chiIdrensplace or call- (TDD/TTY -). TELEPHONE MONITORING. To provide you with highequality service, phone communication with us is monitored and/or recorded. ADDITIONAL INFORMATION. The following designations, when appearing on the front of your statement, mean the following: V means variable rate (this rate may vary): WV INT PAY RQ means WAIVE INTEREST, PAYMENT REQUIRED; WV INT EQ PY means WAIVE INTEREST, EQUAL PAYMENT; WV INT LOW PMT means WAIVE INTEREST, LOW PAYMENT; DF INT PY RQ means DEFER INTEREST, PAYMENT REQUIRED; DEF INT EQ PY means DEFER INTEREST, EQUAL PAYMENT; DF INT LOW PMT means DEFER INTEREST, LOW PAYMENT and LOW APR EQ PAY means LOW APR, EQUAL PAYMENT. If you have a variable rate account, your periodic rates may vary. You may pay all of your Account balance at any time without penalty. Send all inquiries to: CUSTOMER SERVICE, PO Box 183003, Columbus, Ohio 43218-3003. Send all bankruptcy notices and related correspondence to: Comenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, Ohio 43218-3043. NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you provide a check as payment, you authorize us either to use information from your check to make a oneetime electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. PAYMENTS. Pay your Account by the payment due date by the time listed below. If we do not receive your payment in a correct format (outlined below) it may not be credited to your Account for up to five days, or may be rejected. Also, your payment must reach us by the payment cutoff time that applies to the payment method you select. Correct Format. Correct format for different payment methods include: Mailing or Overnight: Send a personal check, money order, traveler’s check or cashier’s check payable in U.S. dollars, to the name and address shown on this Statement in the payment stub area containing your balance and minimum payment amount. Be sure to include your payment stub, do not staple or clip your payment to the stub, include your account number on your check, use the envelope provided with your Statement, send one payment with one payment stub and do not send any correspondence with your payment. You should overnight a payment to 6550 North Loop 1604 East, Suite 101, San Antonio, TX 7824775004 and the additional format requirements are the same as other mailed payments unless there is a dispute, in which case you follow the Payments Marked "Paid in Full" section above. Do not send cash or gift certificates. Pay By Phone: You can call us toll free at - (TDD/TTY comenity.net/chiIdrensplace. In-store: You can make payments inestore. )to make a payment by telephone, which may include a fee. Online: You can make a payment online at Payment Cutoff Times. Payment cutoff times/deadlines for us to receive payments are by the due date on this Statement in the payment stub area at the following times: Mailing and Overnight: By 6:00 pm Eastern Time (ET); Pay By Phone: By 8:00 pm (ET); Online: By 8:00 pm (ET); and In-store: By the time the store closes at the location you make your payment. New Information Title (optional) First Name MI Last Name Soc. Sec. No. Street Address Apt. No. RR PO Box C ity State Home Phone Email Address Zip Code Foreign Map Code Work Phone lllll’lllllllll’ -‘ lllll'l'llllllll’A PAGE 3 OF 4 Interest charge calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. See BALANCE COMPUTATION METHOD on page 2 for more details. TYPE OF BALANCE SUBJ ECT INTEREST BALANCE APR TO INTEREST RATE CHARGE Purchases 27.9900°/o (V) 88.56 2.11 Additional important messages You may be required to have your full credit card account number readily available when enrolling in Account Center or paying your bi|| through online bi|| pay or eBiII, by phone, or in-store. Your account number can be found on your credit card. **Must register kids' birthday(s) at least 4-6 weeks prior to your kid's birthday and must have a valid online account at childrensplacecom/rewards in order to receive birthday coupon(s). May only register up to 4 kids' birthday(s), ages 1-14, under each account. Please see childrensplacecom/rewards or associate for details. ***Must have a valid email address on file or be registered online at childrensplacecom/rewards in order to receive and redeem points for reward certificates. For eligible purchases at The Children's Place store in the U.S. and Puerto Rico and at childrensplacecom, My Place Rewards members earn 1 point per US dollar spent, rounded to the nearest dollar, and My Place Rewards Credit Cardholders earn 2 points per US dollar spent, rounded to the nearest dollar. My Place Rewards members receive a $5 reward certificate for every 100 points. The My Place Rewards Program is provided by The Children's Place, lnc. and its terms may change at any time. For full Rewards Terms and Conditions, please visit chiIdrensplace.com/rewards-terms. ****Valid on standard shipping in the contiguous U.S. when using your My Place Rewards Credit Card. For full shipping terms see chiIdrensplace.com/creditcard with additional restrictions. Consumers are entitled to one free credit report per year. To request yours call - or visit annualcreditreportcom Paying on your account is as easy as 1-2-3! Mail payment t0: Comenity Capital Bank PO BOX 659820, SAN ANTONIO, TX 78265-9120 Call to schedule a same-day payment* - (TDD/TTY: -). To register or sign-in to your Account Center visit: Comenity.net/childrensplace *An expedited payment fee up to $9 may apply for same~day payments made with a representative. You shop. They shop. Everyone wins! + PAGE 4 OF 4 Add your family or friends to your account to make shopping even easier. Add someone today! It's easy, just 1. Visit Comenity.net/childrensplace and log in to your account 2. Click on My Profile 3. Select Manage Authorized Buyers under the Profile tab EXHIBIT F Summary of account activity Account no. ****-****-****-4771 Previous balance $1 ,101 .22 Payments 0.00 Other credits 0.00 Purchases 0.00 Other debits 0.00 Fees charged 37.00 Interest charged 26.65 New balance $1 ,1 64.87 Past due amount 216.00 Credit limit $800.00 Available credit $0.00 Statement closing date 10/17/2019 Days in billing cycle 31 PAGE1 OF 2 Payment information $1 ,164.87 $255.00 New balance Minimum payment due Payment due date Late payment warning: 11/1 2/201 9 If we do not receive your minimum payment by 11/12/2019 you may have to pay up to a $37.00 late fee. Minimum payment warning: If you make only the minimum payment for each period, you will pay more in interest and it will take you longer to pay off your balances. For example: If you make no additional charges using this card and each month you pay: You will pay off the balance shown on the statement in about: And you will end up paying an estimated total of: Only the minimum payment 7 years $2571 For information regarding credit counseling services, call . Details of your transactions TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT _ Fees 10/12/2019 LATE FEE 37.00 Total fees charged for this period $37.00 Interest charged Interest charge on purchases $26.65 Total interest for this period $26.65 201 9 totals year to date Total fees charged in 2019 Total interest charged in 2019 Interest charge calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. See BALANCE COMPUTATION METHOD on page 2 for more details. Minimum interest charge may exceed interest charge below, per your credit card agreement. $249.00 $157.74 TYPE OF BALANCE SUBJ ECT INTEREST BALANCE APR TO INTEREST RATE CHARGE Purchases 27.9900°/o (V) 1,121 .16 26.65 Additional important messages IMMEDIATE ATTENTION REQUIRED! Your Account is extremely past due and will be written off as a bad debt at the end of this month. To avoid this, you can pay the Minimum amount shown on this statement before the end of this month. If you are not able to pay the Minimum Payment amount, we will still be able to assist you and prevent your account from being written off. Call us at - (TDD/TTY -) and we will find a suitable payment before the end of this month. If written off, the bad debt will be reported to the three major credit bureaus and our Recovery team will determine the appropriate steps, as permitted and available under applicable law, to protect our interests. NOTICE: See reverse side for important information. Please tear at perforation above Account TH E CHIL D RE N’ S number ****-****-****-4771 New balance Minimum paymentPLACE $1 ,164.87 $255.00 99 4 Payment must reach us byYes, I have moved or updated my 6 pm ET on 11,1 2,2019e-mail address - see reverse. Am°unt Please make check payable to: COMENITY - MY PLACE REWARDS CREDIT CARD Please return this portion along with your payment to: PO BOX 659820 SAN ANTONIO TX 78265-9120 '||'I"III'||"II'IIIIl'III”II'I"I'III”|”"|'|"I'I'III'||"| RICARDO E VALLIN ZEPEDA 3238 ROLISON RD APT 3 REDWOOD CITY CA 94063-4333 Keep this portion for your records. What To Do If You Think You Find A Mistake 0n Your Statement If you think there is an error on your statement, write to us at: Comenity Capital Bank, PO Box 182620, Columbus, Ohio 4321872620. In your letter, give us the following information:' Account information: Your name and account number.' Dollar amount: The dollar amount of the suspected error.' Description of Prob/em: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 6O days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true:' We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance.' We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these is necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. lf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Comenity Capital Bank, PO Box 182620, Columbus, Ohio 4321872620. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. HOW T0 AVOID PAYING INTEREST. Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin to charge interest on new purchases made under a Low APR, Equal Payment or Budget Payment Credit Plan from the date of purchase. BALANCE COMPUTATION METHOD. We calculate interest separately for each type of balance on your account using a “Daily Balance” to determine interest charges for each billing period. We figure the interest charge on your account by applying the periodic rate to the “daily balance” of your account for each day in the billing cycle. To get the “daily balance” we take the beginning balance of your account each day, add any new purchases and fees, and subtract any payments or credits (treating any net credit balance as a zero balance). This gives us the daily balance. CREDIT REPORTING. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. NOTICE 0F CREDIT REPORT DISPUTES. If you believe the account information we reported to a consumer reporting agency is inaccurate, you may submit a direct dispute to Comenity Capital Bank, PO Box 182120, Columbus, Ohio 4321872120. Your written dispute must provide sufficient information to identify the account and specify why the information is inaccurate: Account Information: Your name and account number Contact Information: Your address and telephone number Disputed Information: Identify the account information disputed and explain why you believe it is inaccurate Supporting Documentation: If available, provide a copy of the section of the credit report showing the account information you are disputing We will investigate the disputed information and report the results to you within 30 days of receipt of the information needed for our investigation. If we find that the account information we reported is inaccurate, we will promptly provide the necessary correction to each consumer reporting agency to which we reported the information. PAYMENTS MARKED "PAID IN FULL". All written communications regarding disputed amounts that include any check or other payment instrument marked with “payment in full” or similar language, must be sent to: 6550 North Loop 1604 East, Suite 101, San Antonio, TX 7824775004. D0 NOT USE THE ENCLOSED REMITTANCE ENVELOPE. e We may accept payment sent to any other address without losing any of our rights. eNo payment shall operate as an accord and satisfaction without prior written approval. CUSTOMER SERVICE. Visit comenity.net/chiIdrensplace or call- (TDD/TTY -). TELEPHONE MONITORING. To provide you with highequality service, phone communication with us is monitored and/or recorded. ADDITIONAL INFORMATION. The following designations, when appearing on the front of your statement, mean the following: V means variable rate (this rate may vary): WV INT PAY RQ means WAIVE INTEREST, PAYMENT REQUIRED; WV INT EQ PY means WAIVE INTEREST, EQUAL PAYMENT; WV INT LOW PMT means WAIVE INTEREST, LOW PAYMENT; DF INT PY RQ means DEFER INTEREST, PAYMENT REQUIRED; DEF INT EQ PY means DEFER INTEREST, EQUAL PAYMENT; DF INT LOW PMT means DEFER INTEREST, LOW PAYMENT and LOW APR EQ PAY means LOW APR, EQUAL PAYMENT. If you have a variable rate account, your periodic rates may vary. You may pay all of your Account balance at any time without penalty. Send all inquiries to: CUSTOMER SERVICE, PO Box 183003, Columbus, Ohio 43218-3003. Send all bankruptcy notices and related correspondence to: Comenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, Ohio 43218-3043. NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you provide a check as payment, you authorize us either to use information from your check to make a oneetime electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. PAYMENTS. Pay your Account by the payment due date by the time listed below. If we do not receive your payment in a correct format (outlined below) it may not be credited to your Account for up to five days, or may be rejected. Also, your payment must reach us by the payment cutoff time that applies to the payment method you select. Correct Format. Correct format for different payment methods include: Mailing or Overnight: Send a personal check, money order, traveler’s check or cashier’s check payable in U.S. dollars, to the name and address shown on this Statement in the payment stub area containing your balance and minimum payment amount. Be sure to include your payment stub, do not staple or clip your payment to the stub, include your account number on your check, use the envelope provided with your Statement, send one payment with one payment stub and do not send any correspondence with your payment. You should overnight a payment to 6550 North Loop 1604 East, Suite 101, San Antonio, TX 7824775004 and the additional format requirements are the same as other mailed payments unless there is a dispute, in which case you follow the Payments Marked "Paid in Full" section above. Do not send cash or gift certificates. Pay By Phone: You can call us toll free at - (TDD/TTY comenity.net/chiIdrensplace. In-store: You can make payments inestore. )to make a payment by telephone, which may include a fee. Online: You can make a payment online at Payment Cutoff Times. Payment cutoff times/deadlines for us to receive payments are by the due date on this Statement in the payment stub area at the following times: Mailing and Overnight: By 6:00 pm Eastern Time (ET); Pay By Phone: By 8:00 pm (ET); Online: By 8:00 pm (ET); and In-store: By the time the store closes at the location you make your payment. New Information Title (optional) First Name MI Last Name Soc. Sec. No. Street Address Apt. No. RR PO Box C ity State Home Phone Email Address Zip Code Foreign Map Code Work Phone \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO El i II Christopher D. Mandarich SB 220693 Eire" H V Ajay Sood SB325294 bySupenurCmnnfCanrmnla. mmSanAu-aren Hayk Stambultsyan SB320973 0N 10/5/2021 Martin Weingarten SB 201906 ByMANDARICH LAW GROUP, LLP Dim nut P.O. Box 109032 Chicago, IL 60610 Phone: 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintifl: JHPDE Finance I, LLC SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED JHPDE Finance I, LLC, Case N0. 21 -CLJ-O5401 Plaintiff, COMPLAINT FOR: vs. 1. ACCOUNT STATED ANDREW B HASS, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant. DEMAND; $1,695.71 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1.P1aintiff is and at all times herein mentioned, JHPDE Finance I, LLC, and successor in interest to original creditor, Citibank N.A.. 2.P1aintiff is a debt buyer, and is the sole owner 0f the debt at issue. 3.The charge-off creditor at the time 0f charge-off is CITIBANK, N.A., 701 EAST 60TH STREET NORTH SIOUX FALLS, SD 571 17, and the account number associated with this debt is XXXXXXXXXXXX7264. 4.The subj ect credit account has been purchased by the following entities after charge-off: JH Portfolio Debt Equities, LLC Who maintains an address at 5757 Phantom Dr., Suite 225 Hazelwood, MO 63042. The subject credit account was transferred by JH Portfolio Debt Equities, LLC to Plaintiff JHPDE Finance I, LLC, who maintains an address at 5757 Phantom D11, Suite 225 Hazelwood, MO 63042. 5.P1aintiff is informed and believes that Defendant are individuals Who currently reside Exhibit "83" COMPLAINT-l 0f 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO Within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the proper Court for trial 0f this action. 6.The name and last known address of the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0f the debt is ANDREW B HASS, PO BOX 4682 , FOSTER CITY, CA 94404. 7.Plaintiff is unaware of the true names 0r capacities, Whether individual, corporate, associate or otherwise ofthe Defendant sued herein as DOES 1 through 10 inclusive, and therefore, sued the Defendant by such fictitious names. PlaintiffWill amend this Complaint to show their true names and capacities once ascertained. 8.Plaintiff believes and at all times mentioned herein, each of the Defendant was, and is, the agent, servant and employee, employer of each 0f the other Defendant, and also acted in the capacity 0f and as agent 0f the other Defendant. Plaintiff also believes that the individual Defendant, and each 0fthem, are jointly and severally liable that the actions described herein were taken as actions for the benefit 0f the Defendant's separate and/or community property. 9.P1aintiff believes that, for value received, Defendant and each 0f them, executed and delivered a credit card application to the original creditor, Citibank N.A. 0r made such application over the telephone 0r Internet. Pursuant to the aforementioned application, CitibankNA. provided Defendant With a credit account, and granted use privileges 0n the same, account number XXXXXXXXXXXX7264 (hereinafter “Account”). 10.Pri0r t0 the commencement of this action, the Account was assigned for value t0 the Plaintiff and Plaintiff is its current holder. 11.Defendant agreed t0 repay Citibank N.A. and any successors in interest, for any charges on the Account including, but not limited to, charges for purchase 0fgoods and service and/or cash advances and balance. 12.Defendant used the Account to make purchases and/or to take cash advances and/or t0 make balance transfers. Each time the Defendant used the Account to purchase goods and services COMPLAINT-2 0f 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement to repay Citibank N.A. and its successors in interest for the amount 0f the purchase and/or cash advances and/or balance transfers. 13.Monthly statements were sent t0 Defendant Which itemized all payments made and charges due on the Account. 14.The date of last payment on the subject account was 0n September 21, 2017. 15.Within the last four years, the Defendant failed t0 make payments as agreed on the Account. Defendant has failed, refused and neglected to pay amounts due on the Account. 16.The debt balance at charge-off was $1,765.66, and upon information and belief there is $0.00 in post charge off fees and $0.00 in post charge off interest. 17.Subsequent t0 charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $1,695.71. 18.Although demand has been made upon said Defendant t0 pay said amount, no part has been paid, and it is now due and owing. 19.Up0n information and belief, Citibank N.A. and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 20.Plaintiff has complied With California Civil Code Section 1788.52. 21.Plaintiff has attached hereto as Exhibit A and incorporated herein by reference a copy 0f Billing Statement provided to the Defendant while the account was active, demonstrating that the debt was incurred by the Defendant. 22.P1aintiff has attached hereto as Exhibit B and incorporated herein by reference a copy of the Final Billing Statement and/or Transaction History. 23.Up0n opening the Account with Citibank N.A., the Defendant agree t0 reimburse Citibank N.A., and hence Plaintiff as successor in interest for the costs related to the collection 0f amounts owing on the Account. Plaintiff has been required t0 retain Mandarich Law Group, LLP COMPLAINT-3 0f 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO to pursue collection of the amount due hereunder. FIRST CAUSE OF ACTION (Account Stated) 24.P1aintiff refers to and incorporates paragraphs 1 through 23. 25.Within the past 4 years, an account was stated in writing in Which it was agreed that Defendant were indebted in the amount previously referenced herein. Although demand has been made upon Defendant, said amount 0f $1,695.71 has not been paid, and it is now due, owing and unpaid from Defendant t0 Plaintiff, as successor in interest. SECOND CAUSE OF ACTION (Open Book Account) 26.Plaintiff refers t0 and incorporates paragraphs 1 through 25. 27.Within the past 4 years, Defendant and each of them became indebted in the amount 0f the previously mentioned herein for a balance due 0n a book account for goods sold and delivered and/or services rendered by Citibank N.A.. Although demand has been made upon Defendant, said amount 0f $1,695.71 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 0f 5 \OOOflQUl-I>WI\J>-‘ NNNNNNNNNr-tr-KHr-Kr-tr-tr-tr-tr-tr-t OOQQUl-RUJNF-‘OKDOOQONUl-hUJNF-‘O WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $1,695.71, 2. For costs of suit incurred; and 3. For such other and further relief as the Court deems just and proper. 4. Plaintiff remits all damages in excess of the jurisdictional amount 0f this Court. Dated: 09/10/2021 By: MANDARICH LAW GROUP, LLP QJMM [X] Christopher D. Mandarich, Esq. Attorneysfor Plaintifl COMPLAINT-S 0f 5 EXHIBIT A Citi® Double Cash Card ANDREW B HASS Member Since 2016 Account number ending in:7264 Billing Period:01/20/17-02/20/17 FEBRUARY STATEMENT Minimum payment due: New balance as of 02/20/17: Payment due date: $328.55 $1,290.13 03/16/17 Late Payment Warning: If we d0 not receive your minimum payment by the date listed above, you may have to pay a late fee of up may be increased up to the variable Penalty APR of 29. to $35 and your APRs 99%. Minimum Payment Warninq:|f you make only the minimum payment each period, you will pay more in interest and it will take you longer t0 pay off your balance. For example: If you make no additional You will pay off the charges using this card balance shown on this and each month you pay... statement in about... And you will end up Paying an estimated otal of... Only the minimum payment 6 year(s) $2,136 For information about credit counseling services, call 1-877-337-8187. Pay your bill from with the Citi Mobile® App and Citi® Online virtually anywhere To download: Text 'App15' to MyCltl (692484) or go to your device's app store. Or visit www.cltlcards.com OOOOOO MC 32 A O ANDREW B HASS PO BOX 4682 FOSTER CITY CA 94404-0682 www.citicards.com Customer Service 1-855-473-4583 TTY-hearing-impaired services only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 You are over your credit limit. Please pay at least the minimum payment due, which includes an overlimit amount of $290.13. Account Summary Previous balance $1,363.71 Payments -$100.00 Credits -$0.00 Pu rchases +$0.00 Cash advances +$0.00 Fees +$0.00 Interest +$26.42 New balance $1,290.13 Credit Limit Credit limit $1,000 Includes $300 cash advance limit Please printAddress Changeson the reverse side Minimum payment due $328.55 New balance $1,290.13 Payment due date 03/16/17 Amount enclosed: Account number ending in 7264 CITI CARDS PO BOX 78045 Phoenix, AZ 85062-8045 www.citicards.com Customer Service 1-855-473-4583 Page 2 of 2 TTY-hearing-impaired services only 1-800-325-2865 ANDREW B HASS Account Summary Trans. Post date date Description Amount Payments, Credits and Adjustments 01/22 PAYMENT THANK YOU -$100.00 Fees charged Total fees charged In thls bllllnq period 50-00 Interest charged Date Description Amount 02/20 INTEREST CHARGED TO STANDARD PURCH $26.42 Total interest charged in this billing period 325-42 2017 totals year-to-date Total fees charged in 2017 $35.00 Total interest charged in 2017 $27.27 Interest charge calculation Days in billing cyclezsz Your Annual Percentage Rate (APR)is the annual interest rate on your account. Annual percenta e Balance subject Balance type rate (AP ) to Interest rate Interest charge __F_’_l_JBF?HA$_E§ _______________________________________________________________________________________________________________________________ Standard Purch 23.49% (v) $1,282.77 (D) $26 42 ARMANEEfi _________________________________________________________________________________________________________________________________ Standard Adv 25.74% (V) $0.00 (D) $0.00 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 Your account balance is over the credit line. Please send payment for the Minimum Payment Due shown. If you have already sent us this payment, thank you. EXHIBIT B E'Oubie Cash am: ANDREW B HASS Member Since 2016 Account number ending in:7264 Billing Period:08/19/17-09/20/17 SEPTEMBER STATEMENT www.citicards.com Customer Service 1-855-473-4583 TTY-hearing-impaired services only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 Your account is past due. Please pay at least the minimum payment due, which includes a past due amount of $507.03 andMmlmum payment due' 51'707'36 an overlimit amount of $707.36. New balance as of 09/20/17: $1,707.36 Payment due date: 10/16/17 A°°.°unt summary PreVIous balance $1,670.74 Late Payment Warning: If we d0 not receive your minimum payment by the Payments $000 date listed above, you may have to pay a late fee of up to $35 and your APRs cred'ts 'SO-OO may be increased up to the variable Penalty APR of 29.99%. Purchases +$0.00 Minimum Payment Warninq:|f you make only the minimum payment each CaSh advanCeS +5000 period, you will pay more in interest and it will take you longer t0 pay off your Fees +50 00 balance. For example: I t t 36'62 If you make no additional You will pay off the And you will end up n eres +5 ' charges using this card balance shown on this Paying an estimated New ba|ance $1,707.35 and each month you pay... statement in about... otal of... Only the minimum payment 1month(s) $1,707 cred't L'm't Credit limit $1,000 For information about credit counseling services, call 1-877-337-8188. OOOOOO MC 32 A O ANDREW B HASS PO BOX 4682 FOSTER CITY CA 94404-0682 Pay your bill from virtually anywhere with the Citi Mobile® App and Citi® Online To download: Text 'AppIS' to MyCItl (692484) or go to your device's app store. Or visit www.citlcards.com Includes $300 cash advance limit Please printAddress Changeson the reverse side Minimum payment due $1,707.36 New balance $1,707.36 Payment due date 10/16/17 Amount enclosed: Account number ending in 7264 CITI CARDS PO BOX 78045 Phoenix, AZ 85062-8045 www.citicards.com Customer Service 1-855-473-4583 Page 2 of 2 TTY-hearing-impaired services only 1-800-325-2865 ANDREW B HASS Account Summary Trans. Post date date Description Amount Fees charged Total fees charged In thls bllllnq period 50-00 Interest charged Date Description Amount 09/20 INTEREST CHARGED TO STANDARD PURCH $36.62 Total Interest charged In this billing period 535-52 2017 totals year-to-date Total fees charged in 2017 $245.00 Total interest charged in 2017 $234.50 Interest charge calculation Days in bnnng cycle:33 Your Annual Percentage Rate (APR)is the annual interest rate on your account. Annual percenta e Balance subject Balance type rate (AP ) to interest rate Interest charge EU'FéLéHA’éEé ''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' """ S 't"a"ridé'r'd'fiii'r'é'h'""'"""'"""'"""'""25jééb};(\}5""'""s"1','ééél£§'(65""'""'""""""""ééé'éé' 'Ab'v/Kfi'c'éé '''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ""é’t’éhdé’r'a'AAQ """""""""""""""""" 2£55529} """""""" é616626) """"""""""""""" ééib'é' 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 The American Red Cross is accepting donations to support their work in providing shelter, food, emotional support and other assistance in response to disasters. Visit www.redcross.org, call 1-800-RED-CROSS, or text REDCROSS to 90999 to make a $10 donation. Citi ThankYou® Rewards members can also use their points to make a donation to the American Red Cross at www.thankyou.com. Contributions may also be sent to your local American Red Cross chapter or to the American Red Cross, P.O. Box 37243, Washington, D.C. 20013. 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. \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-hUJNt-‘OKOOOQO‘xUl-bUJNHO . . ElectronicallyChrlstopher D. Mandarlch SB 220693 FILEDAjay SOOd 33325294 bySupenurCmnnfCanrmnla. mmSanAu-aren Martin Weingarten SB 201906 MANDARICH LAW GROUP, LLP B3" mmmm P.O. Box 109032 Chicago, IL 60610 Phone: 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintifl: Midland Credit Management, Inc SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED Midland Credit Management, Inc, Case N0. 21 -CLJ-05562 Plaintiff, COMPLAINT FOR: vs. 1. ACCOUNT STATED MICHAEL FLEMMING, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant. DEMAND; $2,349.89 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1.P1aintiff is and at all times herein mentioned, Midland Credit Management, Inc, and successor in interest to original creditor, CITIBANK, N.A.. 2.P1aintiff is the only entity that purchased the debt after charge-off and its name and address is as follows: Midland Credit Management, Inc 350 Camino De La Reina Suite 100 San Diego CA 92108. 3.P1aintiff is a debt buyer, and is the sole owner of the debt at issue. 4.The charge-off creditor at the time of charge-off is CITIBANK, N.A., 701 EAST 60TH STREET NORTH SIOUX FALLS, SD 571 17, and the account number associated With this debt is XXXXXXXXXXXX7240. 5.P1aintiff is informed and believes that Defendant are individuals Who currently reside Exhibit "84" COMPLAINT-l of 5 KOOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-hwwfi-‘OKOOONONUI-PWNHO Within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the proper Court for trial 0f this action. 6.The name and last known address of the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0f the debt is MICHAEL FLEMMING, 237 1 POPLAR AVE , EAST PALO ALTO, CA 94303-1037. 7.P1aintiff is unaware of the true names 0r capacities, Whether individual, corporate, associate or otherwise ofthe Defendant sued herein as DOES 1 through 10 inclusive, and therefore, sued the Defendant by such fictitious names. PlaintiffWill amend this Complaint t0 show their true names and capacities once ascertained. 8.Plaintiff believes and at all times mentioned herein, each of the Defendant was, and is, the agent, servant and employee, employer of each of the other Defendant, and also acted in the capacity 0f and as agent of the other Defendant. Plaintiff also believes that the individual Defendant, and each 0f them, are jointly and severally liable that the actions described herein were taken as actions for the benefit of the Defendant's separate and/or community property. 9.Plaintiff believes that, for value received, Defendant and each 0f them, executed and delivered a credit card application t0 the original creditor, CITIBANK, N.A. 0r made such application over the telephone or Internet. Pursuant to the aforementioned application, CITIBANK, N.A. provided Defendant with a credit account, and granted use privileges on the same, account number XXXXXXXXXXXX7240 (hereinafter “Account”). 10.Pri0r t0 the commencement 0f this action, the Account was assigned for value t0 the Plaintiff and Plaintiff is its current holder. 11.Defendant agreed t0 repay CITIBANK, N.A. and any successors in interest, for any charges on the Account including, but not limited to, charges for purchase 0f goods and service and/or cash advances and balance. 12.Defendant used the Account to make purchases and/or to take cash advances and/or t0 make balance transfers. Each time the Defendant used the Account t0 purchase goods and services COMPLAINT-2 of 5 KOOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-hwwfi-‘OKOOONONUI-PWNHO and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement to repay CITIBANK, NA. and its successors in interest for the amount of the purchase and/or cash advances and/or balance transfers. 13.Month1y statements were sent to Defendant Which itemized all payments made and charges due on the Account. 14.The date of last payment 0n the subject account was 0n December 1, 2019. 15.Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected to pay amounts due 0n the Account. 16.The debt balance at charge-off was $2,482.70, and upon information and belief there is $0.00 in post charge off fees and $0.00 in post charge off interest. 17.Subsequent t0 charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $2,349.89. 18.A1th0ugh demand has been made upon said Defendant to pay said amount, n0 part has been paid, and it is now due and owing. 19.Up0n information and belief, CITIBANK, N.A. and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 20.P1aintiff has complied with California Civil Code Section 1788.52. 21.P1aintiff has attached hereto as Exhibit A and incorporated herein by reference a copy of Billing Statement provided to the Defendant While the account was active, demonstrating that the debt was incurred by the Defendant. 22.Plaintiff has attached hereto as Exhibit B and incorporated herein by reference a copy COMPLAINT-3 0f 5 KOOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-hwwfi-‘OKOOONONUI-PWNHO of the Final Billing Statement and/or Transaction History. FIRST CAUSE OF ACTION (Account Stated) 23.P1aintiff refers t0 and incorporates paragraphs 1 through 22. 24.Within the past 4 years, an account was stated in writing in Which it was agreed that Defendant were indebted in the amount previously referenced herein. Although demand has been made upon Defendant, said amount of $2,349.89 has not been paid, and it is now due, owing and unpaid from Defendant to Plaintiff, as successor in interest. SECOND CAUSE OF ACTION (Open Book Account) 25.P1aintiff refers t0 and incorporates paragraphs 1 through 24. 26.Within the past 4 years, Defendant and each 0f them became indebted in the amount of the previously mentioned herein for a balance due 0n a book account for goods sold and delivered and/or services rendered by CITIBANK, N.A.. Although demand has been made upon Defendant, said amount of $2,349.89 has not been paid, and it is now due, owing and unpaid from Defendant to Plaintiff as successor in interest. COMPLAINT-4 of 5 \OOOflQUl-I>WI\J>- NNNNNNNNNr-tr-KHr-Kr-tr-tr-tr-tr-tr-t OOQQUl-PUJNF-‘OKDOOQONUl-hUJNF-‘O WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $2,349.89, 2. For costs of suit incurred; and 3. For such other and further relief as the Court deems just and proper. 4. Plaintiff remits all damages in excess of the jurisdictional amount 0f this Court. Dated: 10/05/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-S 0f 5 QML/ X]Christopher D. Mandarich, Esq. Attorneysfor Plaintifi’ EXHIBIT A Account Statement Send Notice of Billing Errors and Customer Service Inquiries to: Customer Service: HOME DEPOT CREDIT SERVICES J h d t / d PO Box 790328, St Louis, MO 63179 ~ The Mame, mam Agguerlhcglrgfr m “$2 WWW {rm mm i _ ' Account Number: - 7240 F _ _ W F _ W Summary of Account Actrvrty Payment Information Previous Balance $2,054.89 New Balance $2,081 .39 Payments -$55.00 Minimum Payment Due $250.00 Other Credits -$0.00 Payment Due Date February 14, 2019 PurChaseS +$O'OO Late Payment Warning: If we do not receive your minimum payment by the Fees Charged +$35-00 date listed above, you may have to pay a late fee up to $35. lntereSt Charged +$46-50 Minimum Payment Warning: If you make only the minimum payment each New Balance $2,081 .39 period, you will pay more in interest and it will take you longer to pay off your P D A $147 00 balance. For example: K aSt ”e m0” ”t ' J if you make‘no additional You will pay or: the And you will @redit Limit $2,000.00 0 033199: ”Sing this Gard balance shown on this end up paying an Available Credit $0.00 an 980 1110“ you Pal/m statementln about... estimated total of... Amount Over Credit Limit $81 '39 Only the minimum payment 11 years $5,013 - $3,059Statement Closmg Date 01/18/2019 $85 3years (Savingszwygm)Next Statement Closmg Date 02/15/2019 kDays in Billing Cycle 31 J Q1 you would like information about credit counseling services, call -. J Your Minimum Payment Due is $250.00. If you paid your non-promotional (revolving) balances and any expiring promotional balances in full on your last statement, you can avoid interest charges on any new non-promotional (revolving) balances and any expiring promotional balances if you pay $2,081 .39 by 02/14/19. Otherwise, interestwill accrue from your statementclosing date until we receive your payment. The “How to Avoid Paying Interest on Purchases” section on page 2 has more information. Please see the enclosed privacy notice for important information. For phone payments, you authorize us to electronically debit your specified bank account by an ACH transaction in the amount and on such date thatyou indicate on the phone. You may cancel a phone payment by calling us at the Customer Service number at the top of page 1 within the timeframe disclosed to you on the phone. Please update your phone number, including cell phone number on the back of the payment coupon. TRANSACTIONS Trans Date Description Reference # Amount 12/21 ONLINE PAYMENT DEERFIELD |L P919400PKEHW938WM $ 55.00- Your account is 2 months past due Let us help you keep your account current. If you're experiencing financial difficulty. we offer a number of payment solutions that may be available to help you bring your account current, if you qualify. » For assistance call us today at -. For the hearing impaired, call our TDD line at -- Home ct operation: Monday ~~~~~ Thursday: 8:30 am to ttim pm. CT m Friday: 63:30 am. to 9:00 pm. CT «9 Saturday amt Sammy: 8:00 am. ta 5:00 pm. CT 8 HD 11 PLEASE SEE IMPORTANT INFORMATION ON PAGE 2. Page1 of 6 This Account is Issued by Citibank, N.A. Please detach and return lower portion with your payment to insure proper credit. Retain upper portion for your records. Your Account Number is - 7240 Payment Due Date February 14, 2019 Pb. Box 790393 New Balance $2,081.39 St. Louis, MO 63179 Past Due AmountT $1 47.00 Minimum Payment Due $250.00 Statement Enclosed Amount Enclosed: $ TPast DueAmount is included in the Minimum Payment Due. Please print address changes on the reverse side. Make Checks Payable tov HOME DEPOT CREDIT SERVICES MICHAEL FLEMMING PO BOX 78011 2371 POPLAR AVE PHOENIX, AZ 85062-8011 EAST PALO ALTO, CA 94303-1037 Information About Your Account. How to Avoid Paying Interest on Purchases. Your payment due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your New Balance by the payment due date each month. This is called a grace period on purchases. To get a grace period on purchases you must pay the New Balance by the payment due date every billing cycle. If you have a balance subject to a deferred interest or 0% APR promotion and that promotion does not expire before the payment due date, that balance (the “excluded balance") is excluded from the amount you must pay in full to get a grace period. However, you must still pay any separately required payment on the excluded balance. ln billing cycles in which payments are allocated to deferred interest balances first, the deferred interest balance will be reduced before any other balance on the account. However, you will continue to get a grace period on purchases so long as you pay the New Balance less any excluded balances in full by the payment due date each billing cycle. We may refer to deferred interest promotions as No Interest promotions. ln addition, certain promotional offers may take away the grace period on purchases. Other promotional offers not described above may also allow you to have a grace period on purchases without having to pay all or a portion of the promotional balance by the payment due date. lf either is the case, the promotional offer will describe what happens. How We Calculate Your Balance Subject to Interest Rate. For each balance, the letter following the Annual Percentage Rate in the Interest Charge Calculation section on the front of the statement indicates the method we use to calculate interest charges. For Methods C, H and M, we use a daily balance method (including current transactions) to calculate interest charges. For Methods l and L, we use an average daily balance method (including current transactions) to calculate interest charges. For Method K, we use an average daily balance method (excluding current transactions) to calculate interest charges. To find out more information about the balance computation method that applies to your account and how the resulting interest charges were determined, contact us at Customer Service number on the front. Other Account and Payment Information. Payment Amount. You may pay all or part of your account balance at any time. However, you must pay, by the payment due date, at least the minimum payment due. When Your Payment Will Be Credited. lf we receive your mailed payment in proper form at our processing facility by 5 p.m. local time there, it will be credited as of that day. A payment received there in proper form after that time will be credited as of the next day. Allow 5 to 7 days for payments by regular mail to reach us. There may be a delay of up to 5 days in crediting a payment we receive that is not in proper form or is not sent to the correct address. The correct address for regular mail is the address on the front of the payment coupon. The correct address for courier or express mail is the Express Mail Address shown below. Proper Form. For a payment sent by mail or courier to be in proper form, you must: - Enclose a valid check or money order made payable to Home Depot Credit Services. No cash, gift cards, or foreign currency please. - Include your name and the last four digits of your account number. Payment Other Than By Mail. - Online. Go to the URL on Pagel of your statement to make a payment. When you enroll in Online Bill Pay you can schedule your payments up to 45 days in advance using the “Other“ payment option. For security reasons, you may not be able to pay your entire New Balance the first time you make a payment online. - AutoPay. Go to the URL on Pagel of your statement to enroll in AutoPay and have your payment amount automatically deducted each month on your due date from the payment account you choose. - Phone. Call the phone number on Pagel of your statement to make a payment. There is no fee for this service. - Express Mail. Send payment by courier or express mail to: Attn: Consumer Payment Dept., 6716 Grade Lane, Building 9, Suite 910, Louisville, KY 40213. KEY CREDIT TERMS *Promotion Terms - In-Store Payments. For your added convenience, payments can be made at The Home Depot stores, with no service fee. Any payment in proper form accepted in-store will be credited as of that day. However, credit availability may be subject to verification of funds. - Creditinq Payments other than by Mail. The payment cutoff time for Online bill payments, Phone payments, and Express Mail payments is midnight Eastern time. This means that we will credit your account as of the calendar day, based on Eastern time, that we receive your payment request. If you send an eligible check with this payment coupon, you authorize us to complete your payment by electronic debit. If we do, the checking account will be debited in the amount on the check. We may do this as soon as the day we receive the check. Also, the check will be destroyed. Credit Reporting Disputes. We may report information about your account to credit bureaus. lf you think we reported inaccurate information, please write us at the Customer Service address shown on Pagel. Report a Lost or Stolen Card Immediately. Call the Account Inquiries number shown on Pagel. What To Do If You Think You Find A Mistake 0n Your Statement. lf you think there is an error on your statement, write to us at the address for billing errors and customer service inquiries shown on Pagel of your statement. In your letter, give us the following information: I. Account information: Your name and account number. 2. Dollar amount: The dollar amount of the suspected error. 3. Description of Problem: lf you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: - We cannot try to collect the amount in question, or report you as delinquent on that amount. - The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. - While you do not have to pay the amount in question, you are responsible for the remainder of your balance. - We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases. lf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: I. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. lf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address for billing errors and customer service inquiries shown on Pagel of your statement. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. With credit approval for qualifying purchases made on The Home Depot or EXPO Design Center Consumer Credit Card. APR: 17.99% - 26.99%. Minimum interest charge: $2. See card agreement for details including APR applicable to you. Offer valid for consumer accounts in good standing; 6 months everyday credit offer is subject to change without notice; see store for details. Ho-9196-0400-0002-//-ooo-25A-//- -o-x-56-//-P -E-Y-o-Y-//-2 - N- - - -//-o- -HDFB-//- - -o-o- - -// .“17 l‘qlCS’ It? - - O - O -//- 01/19/18- 09/01/17- 16 - December 18, 2018 Page 2 of 6 Please provide change of address and update/add your phone numbers‘here: L « a \ A» > *Cell: *Home: ‘Phone: By giving us a cell number or a number later converted to a cell number, you agree that we or our service providers can contact you at that number by autodialer, recorded or artificial voice, or a text. Your phone plan charges may apply. Account. **** **** **** 7240 TRANSACTIONS (cont) Trans Date Description Reference # Amount 01/14 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD $ 35.00 INTEREST CHARGE-D 01/18 INTERESTCHARGE ON PURCHASES $ 46.50 TOTAL INTEREST FOR THIS PERIOD $ 46.50 201 9 TotaIs Year-to-Date Total Fees Charged in 2019 $35.00 Total Interest Charged in 2019 $46.50 ACTIVITY AND PROMOTIONS DETAIL Original Promotion Promotion Payments PUI'ChaSES, Promotion Deferred Promotion Trans Trans Previous & Other Fees & Interest New Minimum Interest Expiration Amount Date Balance Credits Other Debits Charged Balance Payment Due Charges Date PURCHASES Revolving Balance - - $2.01 1 .48 $1 1 .59- $35.00 $46.50 $2,081 .39 - - - NO INT FOR 6MOS-PMT REQ $251 .89 07/06/18 $43.41 $43.41- - - - - - eXp'd 01/14/19 TOTAL $2,054.89 $55.00- $35.00 $46.50 $2,081.39 $0.00 $0.00 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type OI Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate interest Charge . PURCHASES Revolving Balance 26.99% (M) $2,028.63 $46.50 NO INT FOR 6MOS-PMT REQ 26.99% (M) $0.00 $0.00 Page 3 of 6 ACCOUHtI **** **** **** 7240 THIS PAGE INTENTIONALLY LEFT BLANK Page 4 of 6 COUI‘II ”H H” ”M N O Page i PNHDEX 01/17 FACTS WHAT DOES CITIBANK Do WITH YOUR PERSONAL INFORMATION? ‘j‘l v ‘ Financial companies choose how they share your personal Information Federal law glves ”H I consumers the rlght to IImIt some but not all sharing Federal law also requrres us to tell you how we collect, share, and protect your personal Information \ Please read thIs notlce carefully to understand what we do :;The types of personal Information we collect and share depend on the product or ‘ servrce you have wrth us ThIs Information can Include 1- Socral Securlty number and Income account balances and employment Information ‘ - credIt hIstory and transactlon hIstory " :All fInanclal companIes need to share customers’ personal Information to run theIr [everyday busIness ln the sectlon below, we llst the reasons fInanclal companIes can ‘share theIr customers’ personal Information, the reasons CItIbank chooses to share, and “JI'GWhether you can IImIt thIs sharlng Mr For our everyday business purposes - such as to process yourtransactlons, maIntaIn your account(s), respond to court orders and legal Investigations, Yes N0 or report to credIt bureaus For our marketing purposes - Yes N0 to offer our products and servrces to you Forjoint marketing with other financial companies Yes N0 For our affiliates’ everyday business purposes - Yes No Information about your transactions and experiences For our affiliates’ everyday business purposes - ‘Yes Yes Information about your creditworthiness For our affiliates to market to you Yes Yes For our nonaffiliates to market to you ‘ Yes Yes 1‘ Call- - our menu wnll prompt you through your ch0|ce(s) 3(TTY -) ‘1 Please note: g a lf you are a new customer, we can begIn sharIng your Information 30 days from the date Twe sent thIs notlce When you are no longer our customer, we contInue to share your ‘ Information as descrIbed In thIs notlce ‘However, you can contact us any tIme to IImIt our sharIng :‘Call - or call the Customer Servnce number on the back of your credIt ' card or on your bllllng statement (TTY -) Page 5 Of 6 WHO Is pfovudmg this notice? fhls notice Is prbvnded by the reiall partner cards group of Cltlbahk, N.A., the baynk‘ that issues your credit card. How does Ci Ibank protect 7T0 protect your personal information from unauthorized access and use, we use my personal information? security measures to comply with federal law. These measures include computer safeguards and secured files and buildings. How does Citibank collect We collect your personal information, for example, when you my Personal information? - provide account information or give us your contact information - provide employment information or apply for a loan - use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Why can’t | limit all sharing? ‘Federal law gives you the right to limit only - sharing for affiliates’ everyday business purposes - information about your creditworthiness - affiliates from using your information to market to you - sharing for nonaffiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. What happens when | limit Your choices will apply to everyone on your account. sharing for an account | hold jointly with someone else? ‘A‘fflllates H t ‘ ‘ l Companies relatedby common ownership or control.Thuey can be financialand‘ nonfinancial companies. - Our afliates include companies such as Citigroup Global Markets Inc. Nonaffiliates ‘Companies not related by common ownership or control. They can be financial and nonfinancial companies. - Nonafliates we share with can include companies engaged in direct marketing and the selling of consumer products and services. Joint marketing .A formal agreement between nonaffiliated financial companies that together market financial products and services to you. - Ourjointmarketing partners include insurance companies and other nancial companies. For Vermont Resudents: We wrll not share information we collect about you wrth nonaffiliated third parties, except as permitted by Vermont law, such as to process your transactions or to maintain your account. ln addition, we will not share information about your creditworthiness with our affiliates except with your authorization. For California Residents: We will not share information we collect about you with nonaffiliated third parties, except as permitted by California law, such as to process yourtransactions orto maintain your account. We may share your personal information, as permitted by law, with the retailer whose name is on your card and with the companies related to the retailer. You cannot limit this sharing. Important Information about Credit Reporting We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. my a y i Page 6 of 6 EXHIBIT B Account Statement Send Notice of Billing Errors and Customer Service Inquiries to: Customer Service: HOME DEPOT CREDIT SERVICES h d t / d PO Box 790328, St Louis, MO 63179 ~ The mime mam: Aznc‘guerlfgmrgf' m “$2 Mamet rm mm ‘ _ ' Account Number: - 7240 F _ _ W F _ W Summary of Account Actrvrty Payment Information Previous Balance $2,392.16 New Balance $2,482.70 Payments -$0.00 Minimum Payment Due $770.00 Other Credits -$0.00 Payment Due Date July 14, 2019 PurChaseS +$O'OO Late Payment Warning: If we do not receive your minimum payment by the Fees Charged +$35-00 date listed above, you may have to pay a late fee up to $35. lntereSt Charged +$55-54 Minimum Payment Warning: If you make only the minimum payment each New Ba|ance $2,482.70 period, you will pay more in interest and it will take you longer to pay off your P D A $654 00 balance. For example: K aSt ”e m0” “t ' J if you make‘no additional You will pay or: the And you will rCredit Limit $0.00 0 03am? ”Sing this Gard balance shown on this end up paying an . . G‘ 0 a ‘ 'Avallable Credlt $0.00 an ac m VOUP Y statementln about... estrmatedtotalof... Amount Over Credit Limit $482.70 Only the minimum payment 11 years $5,167 - $3,648Statement Closmg Date 06/1 7/201 9 $101 3 years (Savingszmymg)Next Statement Closmg Date 07/18/2019 kDays in Billing Cycle 31 J Q1 you would like information about credit counseling services, call -. J Your Minimum Payment Due is $770.00. If you paid your non-promotional (revolving) balances and any expiring promotional balances in full on your last statement, you can avoid interest charges on any new non-promotional (revolving) balances and any expiring promotional balances if you pay $2,482.70 by 07/14/19. Otherwise, interestwill accrue from your statementclosing date until we receive your payment. The “How to Avoid Paying Interest on Purchases” section on page 2 has more information. 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. Please update your phone number, including cell phone number on the back of the payment coupon. TRANSACTIONS Trans Date Description Reference # Amount FEES 06/14 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD $ 35.00 8 HD 11 PLEASE SEE IMPORTANT INFORMATION ON PAGE 2. Page1 of 4 This Account is Issued by Citibank, N.A. Please detach and return lower portion with your payment to insure proper credit. Retain upper portion for your records. Your Account Number is - 7240 Payment Due Date July 14, 2019 Po. Box 790393 New Balance $2,482.70 St. Louis, MO 63179 Past Due AmountT $654.00 Minimum Payment Due $770.00 Statement Enclosed Amount Enclosed: $ TPast DueAmount is included in the Minimum Payment Due. Please print address changes on the reverse side. Make Checks Payable tov HOME DEPOT CREDIT SERVICES MICHAEL FLEMMING PO BOX 78011 2371 POPLAR AVE PHOENIX, AZ 85062-8011 EAST PALO ALTO, CA 94303-1037 Information About Your Account. How to Avoid Paying Interest on Purchases. Your payment due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your New Balance by the payment due date each month. This is called a grace period on purchases. To get a grace period on purchases you must pay the New Balance by the payment due date every billing cycle. If you have a balance subject to a deferred interest or 0% APR promotion and that promotion does not expire before the payment due date, that balance (the “excluded balance") is excluded from the amount you must pay in full to get a grace period. However, you must still pay any separately required payment on the excluded balance. ln billing cycles in which payments are allocated to deferred interest balances first, the deferred interest balance will be reduced before any other balance on the account. However, you will continue to get a grace period on purchases so long as you pay the New Balance less any excluded balances in full by the payment due date each billing cycle. We may refer to deferred interest promotions as No Interest promotions. ln addition, certain promotional offers may take away the grace period on purchases. Other promotional offers not described above may also allow you to have a grace period on purchases without having to pay all or a portion of the promotional balance by the payment due date. lf either is the case, the promotional offer will describe what happens. How We Calculate Your Balance Subject to Interest Rate. For each balance, the letter following the Annual Percentage Rate in the Interest Charge Calculation section on the front of the statement indicates the method we use to calculate interest charges. For Methods C, H and M, we use a daily balance method (including current transactions) to calculate interest charges. For Methods l and L, we use an average daily balance method (including current transactions) to calculate interest charges. For Method K, we use an average daily balance method (excluding current transactions) to calculate interest charges. To find out more information about the balance computation method that applies to your account and how the resulting interest charges were determined, contact us at Customer Service number on the front. Other Account and Payment Information. Payment Amount. You may pay all or part of your account balance at any time. However, you must pay, by the payment due date, at least the minimum payment due. When Your Payment Will Be Credited. lf we receive your mailed payment in proper form at our processing facility by 5 p.m. local time there, it will be credited as of that day. A payment received there in proper form after that time will be credited as of the next day. Allow 5 to 7 days for payments by regular mail to reach us. There may be a delay of up to 5 days in crediting a payment we receive that is not in proper form or is not sent to the correct address. The correct address for regular mail is the address on the front of the payment coupon. The correct address for express mail is shown in the Express Mail section. Proper Form. For a payment sent by mail or courier to be in proper form, you must: - Enclose a valid check or money order made payable to Home Depot Credit Services. No cash, gift cards, or foreign currency please. - Include your name and the last four digits of your account number. Payment Other Than By Mail. - In-Store Payments. For your added convenience, payments can be made at The Home Depot stores, with no service fee. Any payment in proper form accepted in-store will be credited as of that day. However, credit availability may be subject to verification of funds. Online/AutoPay. Go to the URL on Pagel of your statement to make a payment online. You can also enroll in AutoPay and have your payment amount automatically deducted each month from the payment account you choose. Phone. Call the number on Pagel of your statement to make a payment by phone. For phone payments, you authorize us to electronically debit your specified bank account by an ACH transaction in the amount and on the date that you indicate on the phone. You may cancel a phone payment by calling us at the Customer Service number at the top of Pagel within the time period disclosed to you on the phone. There is no fee for making a payment using our automated voice response system. KEY CREDIT TERMS *Promotion Terms - Express Mail. Send payment by express mail to: Consumer Payment Dept., 6716 Grade Lane, Building 9, Suite 910, Louisville, KY 40213. - Creditinq Payments other than by Mail. The payment cutoff time for Online bill payments, Phone payments, and Express Mail payments is midnight Eastern time. This means that we will credit your account as of the calendar day, based on Eastern time, that we receive your payment request If you send an eligible check with this payment coupon, you authorize us to complete your payment by electronic debit. If we do, the checking account will be debited in the amount on the check. We may do this as soon as the day we receive the check. Also, the check will be destroyed. Credit Reporting Disputes. We may report information about your account to credit bureaus. lf you think we reported inaccurate information, please write us at: Credit Bureau Dispute Verification, P.O. Box 6497, Sioux Falls, SD 57117. Report a Lost or Stolen Card Immediately. Call the Account Inquiries number shown on Pagel. What To Do If You Think You Find A Mistake 0n Your Statement. lf you think there is an error on your statement, write to us at the address for billing errors and customer service inquiries shown on Pagel of your statement. In your letter, give us the following information: I. Account information: Your name and account number. 2. Dollar amount: The dollar amount of the suspected error. 3. Description of Problem: lf you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: - We cannot try to collect the amount in question, or report you as delinquent on that amount. - The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. - While you do not have to pay the amount in question, you are responsible for the remainder of your balance. - We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases. lf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: I. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. lf all of the criteria above are met and you are still dissatisfied with the purchase, contact usig writing at the address for billing errors and customer service inquiries shown on Pagel of your statement. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. With credit approval for qualifying purchases made on The Home Depot or EXPO Design Center Consumer Credit Card. APR: 17.99% - 26.99%. Minimum interest charge: $2. See card agreement for details including APR applicable to you. Offer valid for consumer accounts in good standing; 6 months everyday credit offer is subject to change without notice; see store for details. HD-9196-0400-0002-//-ooo-25A-//-E-9-x-56-//-P-E-Y-o-Y-//-7- N- - - -//-o- -HDFB-//- - -o-o- - -// HD APR19 - - O - O -//- 01/19/19- 09/01/17- 21 - May 17, 2019 Page 2 of 4 Please provide change of address and update/add your phone numbers‘here: L « a \ A» > *Cell: *Home: ‘Phone: By giving us a cell number or a number later converted to a cell number, you agree that we or our service providers can contact you at that number by autodialer, recorded or artificial voice, or a text. Your phone plan charges may apply. ACCOUHtI **** **** **** 7240 TRANSACTIONS (cont) Trans Date Description Reference # Amount INTEREST CHARGE_D 06/17 INTEREST CHARGE ON PURCHASES $ 55.54 TOTAL INTEREST FOR THIS PERIOD $ 55.54 201 9 TotaIs Year-to-Date Total Fees Charged in 2019 $21 0.00 Total Interest Charged in 2019 $297.81 ACTIVITY AND PROMOTIONS DETAIL Ori ' PronglorIiaoln Promotion Payments PUI'ChaSES, Promotion Deferred Promotion Trans Trans Previous & Other Fees & Interest New Minimum Interest Expiration Amount Date Balance Credits Other Debits Charged Balance Payment Due Charges Date PURCHASES Revolving Balance - - $2,392.16 - $35.00 $55.54 $2,482.70 - - - TOTAL $2,392.1 6 $0.00 $35.00 $55.54 $2,482.70 $0.00 $0.00 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type 0t Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge . PURCHASES Revolving Balance 26.99% (M) $2,423.40 $55.54 Page 3 of 4 Page 4 of 4Page i KOOONQUILWNu-t NNNNNNNNNHHh-b-Hb-b-h-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO Christopher D. Mandarich SB 220693 Ajay Sood 33325294 Electmnicallv Hayk Stambultsyan SB320973 bySupenurCmnnfCanrmnla. mmSanAu-aren Martin Weingarten SB 201906 0N 10/14/2021 MANDARICH LAW GROUP, LLP B P.O. BOX 109032 Chicago, IL 60610 y mmmm 877.285.4918 Facsimile: 818.888. 1260 Attorneysfor Plaintifl: Arcadia Partner, LLC SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED Arcadia Partner, LLC, Case N0. 21 -CLJ-05563 Plaintiff, COMPLAINT FOR: VS. 1. BREACH OF CONTRACT MARIA P ROMERO, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant DEMAND: $4,547.95 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1. Plaintiff is and at all times herein mentioned, Arcadia Partner, LLC, and successor in interest to original creditor, LoanMe, Inc. 2. Plaintiff is a debt buyer, and is the sole owner of the debt at issue and its name and address is as follows: Arcadia Partner, LLC; 3050 Peachtree Rd NW, Atlanta, GA 30305. 3. The charge-off creditor at the time 0f charge-off is LoanMe, Inc., 1900 South State College Boulevard, Suite 300, Anaheim, CA 92806, and the account number associated with this debt is XXX3544. 4. The subject credit account has been purchased by the following entities after charge-off: BUYERS HOLDINGS, LLC Who maintains an address at 1966 NE 123m Street, Station 209, North Miami, FL 33181. The subject credit account was transferred by BUYERS HOLDINGS, LLC t0 Plaintiff ARCADIA PARTNER, LLC, who maintains an address at 3050 Peachtree Road NW, Atlanta, GA 30305. Exhibit "85" COMPLAINT-l 0f 5 KOOONONUILWNr-t NNNNNNNNNHh-h-b-Hb-h-th-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO 5. Plaintiff is informed and believes that Defendant are individuals Who currently reside Within the jurisdictional boundaries 0f the above entitled Court. Therefore, this Court is the proper Court for trial of this action. 6. The name and last known address of the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0f the debt is MARIA P ROMERO , 38 OAKLAWN DR APT 4 , DALY CITY, CA 94015. 7. Plaintiff is unaware of the true names 0r capacities, Whether individual, corporate, associate or otherwise ofthe Defendant sued herein as DOES 1 through 10 inclusive, and therefore, sued the Defendant by such fictitious names. PlaintiffWill amend this Complaint t0 show their true names and capacities once ascertained. 8. Plaintiff believes and at all times mentioned herein, each 0f the Defendant was, and is, the agent, servant and employee, employer of each of the other Defendant, and also acted in the capacity of and as agent 0f the other Defendant. Plaintiff also believes that the individual Defendant, and each 0f them, are jointly and severally liable that the actions described herein were taken as actions for the benefit 0f the Defendant's separate and/or community property. 9. Plaintiff believes that, for value received, Defendant and each of them, executed and delivered a credit application to the original creditor, LoanMe, Inc. 0r made such application over the telephone 0r Internet. Pursuant to the aforementioned application, LoanMe, Inc. provided Defendant With a credit account, and granted use privileges 0n the same, account number XXX3544 (hereinafter “Account”). 10. Prior t0 the commencement of this action, the Account was assigned for value to the Plaintiff and Plaintiff is its current holder. 11. Defendant agreed to comply with the terms governing the use 0f the Account, as it was amended from time to time, including repaying LoanMe, Inc. and any successors in interest, for any charges on the Account including, but not limited to, charges for purchase 0f goods and service and/or cash advances and balance transfers along with late charges, over limits charges related thereto. COMPLAINT-2 0f 5 KOOONONUI-bUJNr-t NNNNNNNNNHh-h-kb-Ab-b-h-h-HH OONQMJ>WN~O©OOQONM$UJNHO 12. Defendant used the Account t0 make purchases and/or t0 take cash advances and/or to make balance transfers. Each time the Defendant used the Account t0 purchase goods and services and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement to repay LoanMe, Inc. and its successors in interest for the amount 0f the purchase and/or cash advances and/or balance transfers, along With such other charges as may be assessed pursuant to the terms governing the Account. 13. The date 0f last payment 0n the subj ect account was on March 9, 2017. 14. Within the last four years, the Defendant failed to make payments as agreed on the Account. Defendant has failed, refused and neglected to pay amounts due 0n the Account. 15. The debt balance at Charge-offwas $4547.95, and upon information and beliefthere is $0.00 in post charge off fees and there is $0.00 in post charge off interest. 16. Subsequent t0 charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $4,547.95. 17. Although demand has been made upon said Defendant t0 pay said amount, n0 part has been paid, and it is now due and owing. 18. Upon information and belief, LoanMe, Inc. and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 19. Plaintiff has complied With California Civil Code Section 1788.52. 20. Plaintiff has attached hereto as Exhibit A and incorporated herein by reference a copy ofBilling Statement and/or Loan File provided t0 the Defendant While the account was active, demonstrating that the debt was incurred by the Defendant. 21. Plaintiff has attached hereto as Exhibit B and incorporated herein by reference a copy 0f the Final Billing Statement and/or Transaction History. 22. Upon opening the Account with LoanMe, Inc., the Defendant agrees to reimburse LoanMe, Inc., and hence Plaintiff as successor in interest for the costs related to the collection 0f amounts owing on the Account. Plaintiff has been required t0 retain Mandarich Law Group, LLP t0 pursue collection of the amount due hereunder. COMPLAINT-3 0f 5 \OOOflQUl-RUJNH NNNNNNNNNHr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNh-‘OKOOOQQUl-bUJNF-‘O FIRST CAUSE OF ACTION (Breach of Contract) 23. Plaintiff refers to and incorporates paragraphs 1 through 22. 24. LoanMe, Inc. extended a credit loan t0 the Defendant. 25. Defendant accepted the terms and conditions 0f the Account by Defendant use of the Account to make purchases and/or t0 take cash advances and/or t0 make balance transfers. 26. Defendant have breached the terms and conditions governing the Account by failing to pay amounts due and owing on the Account. 27. As a direct and proximate result thereof, Plaintiff has been damaged in the amount 0f $4,547.95. SECOND CAUSE OF ACTION (Open Book Account) 28. Plaintiff refers t0 and incorporates paragraphs 1 through 27. 29. Within the past 4 years, Defendant and each ofthem became indebted in the amount of the previously mentioned herein for a balance due on a book account for goods sold and delivered and/or services rendered by LoanMe, Inc. Although demand has been made upon Defendant, said amount 0f $4,547.95 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 0f 5 KOOONONUI-bUJNr-t NNNNNNNNNHh-kb-Ab-Ab-b-h-h-Hb-t OONQMJ>WN~O©OONONM$UJNHO WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $4,547.95, 2. For costs of suit incurred; and 3. For such other and further relief as the Court deems just and proper. 4. Plaintiff remits all damages in excess of the jurisdictional amount 0f this Court. Dated: 10/05/2021 COMPLAINT-5 0f 5 By: MANDARICH LAW GROUP, LLP Qh/M X]Christopher D. Mandarich, Esq. Attorneysfor Plaintifl EXHIBIT A LOANME, INC. PROMISSORY NOTE AND DISCLOSURE STATEMENT Loan No.: -3544 Date of Note: July 11, 2016 Expected Funding Date: July 11, 2016 Lender: LoanMe, Inc. Borrower: MARIA P ROMERO Address: 1900 S. State College Boulevard Suite 300 Address: 38 OAKLAWN DR APT 4 Anaheim, CA 92806 DALY CITY, CA 94015 In this Promissory Note and Disclosure Statement ("Note"), the words "you" and "your" mean the person signing as a borrower. "We," "us,", and "our," mean LoanMe, Inc. and any subsequent holder of this Note. TRUTH IN LENDING ACT DISCLOSURE STATEMENT ANNUAL FINANCEPERCENTAGE CHARGE AMOUNT FINANCED TOTAL OF PAYMENTSRATE . . The amount you will haveThe cost of your credit as The dollar amount the The amount of credit paid after a” payments area yearly rate credit WIII cost you prowded to you made as scheduled I 138.45 % I $13,720.36 I $3,025.00 $16,745.36 PAYMENT SCHEDULE One payment of $244.13 on August 01, 2016. 47 monthly payments of $351.09 beginning on September 01, 2016. Late Charge: If a payment is 15 days late, you will be charged $15.00. Prepayment: If you pay off this loan early, you will not have to pay any penalty. Please see the remainder of this document for additional information about nonpayment, default and any required repayment in full before the scheduled date. ITEMIZATION OF AMOUNT FINANCED Amount Financed: $3,025.00 Amount Paid to Borrower Directly: $3’025'00 Prepaid Finance Charge/Origination $75.00 Fee: PROMISSORY NOTE AND ARBITRATION AGREEMENT This Note, including any and all signatures hereto, is in original format an electronic document created in accordance with the Electronic Signatures in Global and National Commerce Act (E-SIGN) and other applicable laws and regulations, and that the one, true original Note is retained electronically by us. All other versions hereof, whether electronic or in tangible format, constitute facsimiles or reproductions only. FOR VALUE RECEIVED, you promise to pay to the order of LoanMe, Inc., or any subsequent holder of this Note the sum of $3,100.00, together with interest calculated at 135.00 % ("Note Rate") and any outstanding charges or late fees, until the full amount of this Note is paid. Your interest is calculated on a 360/360 simple interest basis. This means that interest is calculated by dividing the annual Note Rate disclosed above by 360, multiplying that number by the outstanding principal balance, and multiplying that number by the number of days the principal balance is outstanding, assuming each full month is comprised of 30 days. Your payments will be applied as of the date received, first to accrued interest, then to the principal payment that is due, then to any outstanding charges or late fees, and finally to any remaining principal not yet due. The payment schedule disclosed above is only an estimate and may change in the event you do not make all payments as scheduled. If a payment is not sufficient to pay interest then due, the unpaid interest will be added to principal and will bear interest at the Note Rate. A principal-only payment is known as a "Prepayment." We will not treat a payment as a Prepayment unless you previously made all monthly payments of principal and interest and fully paid and satisfied all other obligations under this Note. If you meet these conditions, you may make a full or partial Prepayment. We will apply any partial Prepayment you make to reduce the principal due on the Note as of the date we receive the Prepayment. You may make a full Prepayment or partial Prepayment at any time without penalty. A partial Prepayment will not change the due dates or amounts of your monthly payments, but may reduce the number of payments and the amount of your final payment. Notwithstanding any other provision of this Note, if, within seven calendar days of the Funding Date (i.e., the date we advance funds to you), you repay us the amount we advanced to you directly ($3,025.00), this Note will be deemed paid in full, without payment of any finance charges (including interest). (To receive the benefit of this offer, payment in full of the amount advanced to you directly must be received no later than 11:59 p.m. in the time zone in which you reside on July 18, 2016; if payment is not received by that time, you will owe the interest that accrued during that period as well as the amount disbursed to you and the loan fee pursuant to the terms of this Note.) We do not intend to charge or collect any interest, charge, or fee that is more than the law allows. If we charge or collect any amount over what the law allows, we will apply the excess first to the unpaid scheduled monthly payments, and we will refund any excess if you have paid in full all amounts you owe under this Note. Any amount applied to unpaid scheduled monthly payments will be treated as a partial prepayment. THE MATURITY DATE (IF NOT PREPAID) OF THIS LOAN IS: July 01, 2020. You will be subject to a fee of $15 if any payment you make is returned for non-sufficient funds. If you fail to make any payment due under this Note, we shall have the right, after a 30-day grace period, to declare this Note to be immediately due and payable. For loans above $10,000, if you file for an assignment for the benefit of creditors, bankruptcy, or for relief under any provisions of the United States Bankruptcy Code, we shall have the right to declare this Note to be immediately due and payable. For loans in excess of $5,000, in the event that we are required to employ an attorney at law to collect any amounts due under this Note, you will be required to pay the reasonable fees of such attorney to protect our interest or to take any other action required to collect the amounts due hereunder to the extent permitted by law. You agree that all payments made more than (15) days of the due date shall be subject to a late fee of $15.00. The loan fee included in the prepaid finance charge/loan fee disclosed above is fully earned upon loan origination, and is not subject to rebate upon prepayment or acceleration of this Note and is not considered interest. This loan is unsecured and therefore not secured by any of your collateral. We may delay or forgo enforcing any of its rights or remedies under this Note without losing them. You hereby, to the extent allowed by law, waive any applicable presentment, demand for payment, or protest and notice of dishonor. Upon any change in the terms of this Note, and unless otherwise expressly stated in writing, no party who signs this Note, whether as maker, guarantor, accommodation maker or endorser, shall be released from liability. This Note shall take effect as a sealed instrument. This Note will be governed by the laws of the State of California except to the extent governed by federal law applicable to interstate commerce, including, without limitation, the Federal Arbitration Act, 9 U.S.C. 99 1-6 ("FAA"). You understand that you have previously consented to receive all communications from us, including but not limited to, all required disclosures via electronic mail. This means that all communications from us will be delivered in electronic form. You understand and agree that we may obtain credit reports on you an ongoing basis as long as this loan remains in effect. You also authorize us to report information concerning your account to credit bureaus and to anyone else we believe in good faith has a legitimate need for such information. You understand that, from time to time, we may monitor or record telephone calls between you and us. You hereby expressly consent to have your calls monitored or recorded. You agree that in the event we need to contact you to discuss your account or the repayment of your loan, we may telephone you at any number, including any cell phone number provided or obtained, and that we may leave an autodialed or prerecorded message or use other technology to make that contact or to communicate to you the status of your account. You may cancel this consent by providing us with notice. A married or registered domestic partner applicant may apply for a separate account. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. If we take any adverse action as defined by Section 1785.3 of the California Civil Code and the adverse action is based, in whole or in part, on any information contained in a consumer credit report, you have the right to obtain within 60 days a free copy of your consumer credit report from the consumer reporting agency who furnished us your consumer credit report and from any other consumer credit reporting agency which compiles and maintains files on consumers on a nationwide basis. You have the right as described by Section 1785.16 of the California Civil Code to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency. This Agreement encompasses the entire agreement of the parties, and supersedes all previous understandings and agreements between the Parties, whether oral or written. Any modifications to this Agreement must be made in writing and signed by both parties. ARBITRATION PROVISION WAIVER OF JURY TRIAL AND ARBITRATION PROVISION. Arbitration is a process in which persons with a dispute: (a) waive their rights to file a lawsuit and proceed in court and to have a jury trial to resolve their disputes; and (b) agree, instead, to submit their disputes to a neutral third person (an "arbitrator") for a decision. Each party to the dispute has an opportunity to present some evidence to the arbitrator. Pre-arbitration discovery may be limited. Arbitration proceedings are private and less formal than court trials. The arbitrator will issue a final and binding decision resolving the dispute, which may be enforced as a court judgment. A court rarely overturns an arbitrator's decision. We have a policy of arbitrating all disputes with customers which cannot be resolved in a small claims tribunal, including the scope and validity of this Arbitration Provision and any right you may have to participate in an alleged class action. THEREFORE, YOU ACKNOWLEDGE AND AGREE AS FOLLOWS: For purposes of this Waiver of Jury Trial and Arbitration Provision, the words "dispute" and "disputes" are given the broadest possible meaning and include, without limitation (a) all claims, disputes, or controversies arising from or relating directly or indirectly to the signing of this Arbitration Provision, the validity and scope of this Arbitration Provision and any claim or attempt to set aside this Arbitration Provision; (b) all federal or state law claims, disputes or controversies, arising from or relating directly or indirectly to the Note, the information you gave us before entering into this Agreement, including the customer information application, and/or any past agreement or agreements between you and us; (c) all counterclaims, cross-claims and third-party claims; (d) all common law claims, based upon contract, tort, fraud, or other intentional torts; (e) all claims based upon a violation of any state or federal constitution, statute or regulation; (f) all claims asserted by us against you, including claims for money damages to collect any sum we claim you owe us; (g) all claims asserted by you individually against us and/or any of our employees, agents, directors, officers, shareholders, governors, managers, members, parent company or affiliated entities (hereinafter collectively referred to as "related third parties"), including claims for money damages and/or equitable or injunctive relief; (h) all claims asserted on your behalf by another person; (i) all claims asserted by you as a private attorney general, as a representative and member of a class of persons, or in any other representative capacity, against us and/or related third parties (hereinafter referred to as "Representative Claims"); and/or (j) all claims arising from or relating directly or indirectly to the disclosure by us or related third parties of any non-public personal information about you. 1. You acknowledge and agree that by entering into this Arbitration Provision: (a) YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES; (b) YOU ARE GIVING UP YOUR RIGHT TO HAVE A COURT, OTHER THAN A SMALL CLAIMS TRIBUNAL, RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES; and (c) YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, AND/OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT FILED AGAINST US AND/OR RELATED THIRD PARTIES. 2. Except as provided in Paragraph 5 below, a|| disputes including any Representative Claims against us and/or related third parties shall be resolved by binding arbitration only on an individual basis with you. THEREFORE, THE ARBITRATOR SHALL NOT CONDUCT CLASS ARBITRATION; THAT IS, THE ARBITRATOR SHALL NOT ALLOW YOU TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY FOR OTHERS IN THE ARBITRATION. 3. Any party to a dispute, including related third parties, may send the other party written notice by certified mail return receipt requested of their intent to arbitrate and setting forth the subject of the dispute along with the relief requested, even if a lawsuit has been filed. Regardless of who demands arbitration, you shall have the right to select any of the following arbitration organizations to administer the arbitration: the American Arbitration Association (1- 800-778-7879) http://www.adr.org or JAMS (1-800-352-5267) http://www.jamsadr.com. The parties may also agree to select an arbitrator who resides within your federal judicial district who is an attorney, retired judge, or arbitrator registered and in good standing with an arbitration association, and arbitrate in accordance with such arbitrator's rules. The party receiving notice of arbitration will respond in writing by certified mail return receipt requested within twenty (20) days. If you demand arbitration, you must inform us in your demand of the arbitration organization you have selected or whether you desire to select a local arbitrator. If related third parties or we demand arbitration, you must notify us within twenty (20) days in writing by certified mail return receipt requested of your decision to select an arbitration organization. If you fail to notify us, then we have the right to select an arbitration organization. The parties to such dispute will be governed by the rules and procedures of such arbitration organization applicable to consumer disputes, to the extent those rules and procedures do not contradict the express terms of this Arbitration Provision, including the limitations on the arbitrator below. You may obtain a copy of the rules and procedures by contacting the arbitration organization listed above. If neither the American Arbitration Association nor JAMS is available or willing to administer the arbitration and the parties cannot agree on a local arbitrator, then an arbitrator can be appointed by a court consistent with Section 5 of the FAA. 4. Regardless of who demands arbitration, at your request we will pay your portion of the arbitration expenses, including the filing, administrative, hearing and arbitrator's fees ("Arbitration Fees"). Throughout the arbitration, each party shall bear his or her own attorney's fees and expenses, such as witness and expert witness fees. The arbitrator shall apply applicable substantive law consistent with the FAA, and applicable statutes of limitation, and shall honor claims of privilege recognized at law. Any arbitration hearing will be conducted in the federal judicial district of your residence. The arbitrator may decide, with or without a hearing, any motion that is substantially similar to a motion to dismiss for failure to state a claim or a motion for summary judgment. In conducting the arbitration proceeding, the arbitrator shall not apply any federal or state rules of civil procedure or evidence. If allowed by statute or applicable law, the arbitrator may award statutory damages and/or reasonable attorney's fees and expenses. If the arbitrator renders a decision or an award in your favor resolving the dispute, we will reimburse you for any Arbitration Fees you have previously paid. At the timely request of any party, the arbitrator shall provide a written explanation for the award. The arbitrator's award may be filed with any court having jurisdiction. 5. All parties, including related third parties, shall retain the right to seek adjudication in a small claims tribunal in the county of your residence for disputes within the scope of such tribunal's jurisdiction. Any dispute, which cannot be adjudicated within the jurisdiction of a small claims tribunal, shall be resolved by binding arbitration. Any appeal of a judgment from a small claims tribunal shall be resolved by binding arbitration. 6. This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be governed by the FAA. 7. This Arbitration Provision is binding upon and benefits you, your respective heirs, successors and assigns. This Arbitration Provision is binding upon and benefits us, our successors and assigns, and related third parties. This Arbitration Provision continues in full force and effect, even if your obligations have been paid or discharged through bankruptcy. This Arbitration Provision survives any cancellation, termination, amendment, expiration or performance of any transaction between you and us and continues in full force and effect unless you and we otherwise agree in writing. Except for the waivers of representative actions contained in paragraphs 1(c) and 2, if any of this Arbitration Provision is held invalid, the remainder shall remain in effect. If the waivers of representative actions are held invalid, I Enen EnIS arDlU‘aElon prOVISlon WIII De deemea nUII and VOIO. OPT-OUT PROCESS You may choose to opt out of the Arbitration Provision, but only by following the process set-forth below. If you do not wish to be subject to this Arbitration Provision, then you must notify us in writing within sixty (60) calendar days of the date of this Note at the following address: Arbitration Opt-Out, LoanMe, Inc., 1900 S. State College Blvd., Suite 300, Anaheim, CA 92806. Your written notice must include your name, address, account number or social security number and a statement that you wish to opt out of this Arbitration Provision. YOU CERTIFY THAT YOU HAVE READ AND UNDERSTAND THIS ARBITRATION PROVISION AND AGREE TO BE BOUND TO ITS TERMS. Payments. You have previously authorized and requested us to initiate an automated clearinghouse or other electronic funds transfer ("EFF") from the bank account identified on your Application (the "Bank Account") to make each payment required hereunder on the day it is due. You also authorize us to initiate an EFI' to or from the Bank Account to correct any erroneous payment and, in the event any EFI' is unsuccessful, to attempt such payment up to two additional times. You understand that unsuccessful EFl's may result in charges by your bank, and you agree that we are not liable for such charges. You have the right to notice of all transfers of amounts different from your regular payment, but you agree to receive notice 10 days prior to any given transfer only if the amount to be transferred varies by more than $50 from your regular payment amount. You also authorize us to withdraw funds from your account on additional days throughout the month in the event you are delinquent on your loan payments. Your request and authorization for us to initiate EFl's is entirely voluntary, and you may terminate this authorization by notifying us in writing via fax (844-904-7368) or email (customer.service@LoanMe.com) soon enough to allow us a reasonable opportunity to act on your termination (generally at least three business days in advance). You may also terminate your authorization for us to initiate EFl's directly with the financial institution at which your Bank Account is located. By signing this promissory note, you also authorize us to obtain payments from your Bank Account by creating and processing paper checks (each a "Check") in place of initiating any or all of the EFl's described above. Each Check will be in the amount of the payment that would have been initiated as an EFI', and each Check will be deposited by us for processing on or after the same day that the payment would have been initiated as an EFI'. We will type your name in the signature line of each Check, and you agree that your typed name constitutes your authorized signature. You acknowledge that an electronic image of each Check may be created and processed as a substitute check pursuant to the Check 21 Act. If you terminate your EFI' authorization as described above, this authorization to create Checks will also terminate. You may also cancel by notifying your financial institution orally or in writing at least three business days before the scheduled date of any transfer. THIS LOAN CARRIES A VERY HIGH INTEREST RATE. YOU MAY BE ABLE TO OBTAIN CREDIT UNDER MORE FAVORABLE TERMS ELSEWHERE. EVEN THOUGH THE TERM OF THE LOAN IS 48 MONTHS, WE STRONGLY ENCOURAGE YOU TO PAY OFF THE LOAN AS SOON AS POSSIBLE. YOU HAVE THE RIGHT TO PAY OFF ALL OR ANY PORTION OF THE LOAN AT ANY TIME WITHOUT INCURRING ANY PENALTY. YOU WILL, HOWEVER, BE REQUIRED TO PAY ANY AND ALL INTEREST THAT HAS ACCRUED FROM THE FUNDING DATE UNTIL THE PAYOFF DATE. YOU CERTIFY THAT NO PERSON HAS PERFORMED ANY ACT AS A BROKER IN CONNECTION WITH THE MAKING OF THIS LOAN. YOU CERTIFY THAT YOU HAVE READ AND UNDERSTAND THE AMORTIZATION SCHEDULE ON THIS LOAN (Click here to View) AND ARE ABLE TO REPAY THE LOAN PURSUANT TO ITS TERMS. YOU ARE NOT AWARE OF ANY CIRCUMSTANCES THAT MIGHT CAUSE YOU TO FILE FOR BANKRUPTCY PROTECTION DURING THE TWELVE (12) MONTHS FOLLOWING THE EXECUTION OF THIS NOTE. YOU HAVE READ ALL OF THE TERMS AND CONDITIONS OF THIS PROMISSORY NOTE AND DISCLOSURE STATEMENT AND AGREE TO BE BOUND BY ITS TERMS. YOU UNDERSTAND AND AGREE THAT YOUR EXECUTION OF THIS NOTE SHALL HAVE THE SAME LEGAL FORCE AND EFFECT AS A PAPER CONTRACT. This Loan Is Made Pursuant To The California Finance Lender Law, Division 9 (commencing with Section 22000) of the Financial Code. FOR INFORMATION, CONTACT THE DEPARTMENT OF BUSINESS OVERSIGHT, STATE OF CALIFORNIA, LICENSE NO. 603-K061. o ) h n ci l e. N ATI , TM N ERSI T, NIA, CEN . EXHIBIT B Loan Id: Borrower's Name: 2016-07-11 .3544 MARIA P ROMERO 2016-07-11 Beg'nning Balance (loan G: ' ' ' X Loan Transaction History Principal Balance: Next Due Date: 3100 $3076.93 2017/04/01 Interest Rate: 3100 135.0% Page 1 of 3 Loan Originaon 2016-07-11 2016-08-01 Inial Interest Due (First Receivable on Tenn) 244.13 Loan Origination 2016-08-03 2016-08-01 ACH Payment 244.13 ACH Scheduled ACH for 201 6-08-01 (1345028) -- ACHVendm=Nl A. SetementlD=1 3 450281 345028-- 2016-0303 2016-0801 Allocate To First Monthly Receivable 4244.13 Scheduled ACH for 201 6-08-01 (1345028) -- ACHVendOFN/ A. SetementlD=1 3 450281 345028-- 2016-08-31 2016-09-01 Regula: Monthly Receivable 2.34 348.75 Auto Receivable Sweep Create Monthly Receivable 2016-09-07 2016-09-01 ACH Payment 351.09 ACH Scheduled ACH for 201 6-09-01 (14 19599) - ACHVendor=Nl A SetemenD=14 19599141 9599-- 2016-09-07 2016-09-01 Allocate To Monthly Receivable -2.34 -348.75 3097.66 Scheduled ACH for 201 6-09-01 (14 19599) -- ACHVendor=Nl A SetementlD=14 19599141 9599-- 201640930 2016-1 0-01 Regular Monthly Receivable 2:6 348:4? Auto Receivable Sweep Create Monthly Receivable 2016-10-07 2016-10-05 ACH Payment 351.09 ACH Request ACH2016-10-05 (1465417) -- ACHVendor=Nl A. SetementID=14 654171465417-- 10 2016-1007 2016-1001 Allocate To Monthly Receivable 348.49 3095.06 Request ACH2016-10-05 (1465417) .- ACHVendor=Nl A. SetementID=14 654171465417-- 11 2016-10-31 2016-11-01 Regular Monthly Receivable 2.9 348.19 Auto Receivable 12 2016-11-04 2016-11-01 ACH Payment 351.09 ACH Scheduled ACH for 201 6-1 1 -01 (1584392) - ACHVendor=Nl A. SetementlD=1 5 843921 584392-- 13 2016-11-04 2016-11-01 Allocate To Monthly Receivable -348.19 3092.16 Scheduled ACH for 201 6-1 1 -01 (1584392) -- ACHVendor=Nl A. SetementID=1 5 843921 584392-- Ii! 2016;11 1,-30 2016-12-01, Regular Monthly Receivable 322 34187 Auto Receivable 15 2016-12-06 2016-12-01 ACH Payment 351.09 ACH Scheduled ACH for 201 6-12-01 (1743781) -- ACHVendor=Nl A SememuD=17 437811743781-- 16 2016-1206 2016-1201 Allocate To Monthly Receivable -3 .22 -347.87 30818.94 Scheduled ACH for 201 6-12-01 (1743781) -- ACHVendor=Nl A Sememiun=17 437811743781;- Page 2 of 3 17 2016-12-31 2017-01-01 Regular Monthly 3.58 347.51 Auto Receivable Receivable Sweep Create Monthly Receivable 1‘8 2017-01-17 2017-01-12 ACH Payment 351.09 ACH Request ACH2017-01-12 (1786008) - ACHVendm=Nl A. SetemenD=1 7 860081786008-- 19 2017-01-17 2017-01-01 Allocate To -3.58 -347.51 3085.36 Request Monthly ACH2017-01-12 Receivable (1785003) __ ACHVendm=Nl A. SetemenD=1 7 860081786008-- ED 2017-01-31 2017-02-01 Regula’: Monthly 3.99 34751 Auto Receivable Receivable Sweep Create Monthly Receivable 21 2017-02-03 2017-02-01 ACH Payment 35 1.09 ACH Scheduled ACH for 2017-02-01 (2003953) -- ACHVendoFN/ A. SetementID=20 039532003953-- 22 2017-0203 2017-0201 Allocate To -3.99 -347.1 3081.37 Scheduled ACH Monthly for 2017-02-01 Receivable (2003953) -- ACHVendoFN/ A. SetementID=20 039532003953-- 23 2017-02-28 2017-03-01 Regular Monthly 4.44 346.65 Auto Receivable Receivable Sweep Create Monthly Receivable 24 2017-03-13 2017-03-09 ACH Payment 351.09 ACH Request ACH2017-03-09 (2051 345) - ACHVendor=Nl A. SetemenD=20 51345205134s-- 25 2017-03-13 2017-03-01 Allocate To -4.44 -346.65 3076.93 Request Monthly ACH2017-03-09 Receivable (2051 345) -- ACHVendor=Nl A. SetementID=20 513452051345-- 26 2017-03431, 2017-04-01, Regular Monthly 4.94 30 Auto Receivable Receivable Sweep Create Monthly Receivable 27 2017-04-05 2017-04-01 ACH Payment 35 1.09 ACH 31 Scheduled ACH for 2017-04-01 (2156355) :18 2017-04-05 2017-04-01 Allocate To 4.94 446. 15 3071.99 29 Scheduled ACH Monthly for 2017-04-01 Receivable (2156355) 29 2017-04-05 Reverse Put in 4.94 346.1 5 3076.93 04/05/2017 ACH Suspense (Break reversed - NSF Allocation) 30 2017-04-05 Revoke -4.94 -346. 15 04/05/2017 ACH Receivable reversed - NSF {n . 31 2017-04-05 Reverse NSF -351.09 04/05/2017 ACH Payment reversed - NSF 32 2017-04-05 2017-04-05 NSF Fee 15 NSF 04/05/2017 ACH reversed - NSF 33 2017-04-05 2017-04-01 Regular Monthly 4.94 346.1 5 04/05/2017 ACH Receivable reversed - NSF 34 2017-04-11 2017-04-07 ACH Payment 35 1.09 ACH 37 Rerun ACH for 2017-04-07 (2177254) 35 2017-04-11 2017-04-01 Allocate To -4.94 -346.15 3071.99 36 Rerun ACH for Monthly 2017-04-07 Receivable (2177254) 36, 2017d04-11 Reverse Put in 4.94 346.15 3076.93 04/1 1/2017 ACH Suspense (Break reversed - NSF Allocation) 37 2017-04-11 Reverse NSF -35 1.09 04/1 1/2017 ACH Payment reversed - NSF 38 2017-04-18 2017-04-14 ACH Payment 35 1.09 ACH 41 Rerun ACH for 2017-04-14 (2184839) 39 2017-04-18 2017-04-01 Allocate To -4.94 -346.15 3071.99 40 Rerun ACH for Monthly 2017-04-14 Receivable (2184839) 40 2017-04-18 Reverse Put in 4.94 346.1 5 3076.93 04/1 8/2017 ACH Suspense (Break reversed -NSF Allocation) 41 2017-04-18 Reverse NSF -351.09 04/1 8/2017 ACH Payment reversed - NSF 142 201704-18 2017-04-16 Late Charge Fee 1'5 LATE 04/18/2017 ACH reversed - NSF 43 2017-04-30 2017-05-01 Regular Monthly 5.49 345.6 Auto Receivable Receivable Sweep Create Monthly Receivable Page 3 of 3 [rm 2017-05439 2017-0505 ACH payment 35 1.99 Am 47 BackendACHfor 2017-05 -05 (2255679) 45 2017-05-09 2017-04-01 Allocate To -4.94 -346.15 3071.99 46 Backend ACH Monthly for 2017-05 -05 Receivable (2255679) ‘46 2017-05-09 Reverse Put in 4.94 346.15 3076.93 05/09/2017 ACH Suspense (Break reversed -NSF A‘ ' 47 2017-05-09 Reverse NSF -351.09 05/09/2017 ACH Payment reversed - NSF 48 2017-05-09 2017-05-09 NSF Fee 15 NSF 05/09/2017 ACH reversed - NSF 49 2017-05-16 2017-05-12 ACH Payment 351.09 ACH 54 Backend ACH for 2017-05-12 (2270179) 5,0 2017-05-1 6 2017-04-01 Allocate To -4.94 -346. 15 3071.99 '52 Backend ACH Monthly for 2017-05-12 Receivable (2270179) 51 2017-05-16 2017-05-16 Late Charge Fee 15 LATE 53 Backend ACH for 2017-05-12 E (2270179) 52 2017-05-1 6 Reverse Put in 4,94 346.15 3076.93 05/1 6/2017 ACH Suspense (Break reversed - NSF Allocation) 53 2017-05-16 Revoke -15 05/1 6/2017 ACH Receivable reversed - NSF {n . 54 2017-05-16 Reverse NSF -351.09 05/16/2017 ACH Payment reversed - NSF 55 2017-05-16 2017-05-16 Late Charge Fee 15 LATE 05/1 6/2017 ACH reversed - NSF 56 2017-05-23 2017-05-1 9 ACH Payment 35 1.09 ACH 59 Backend ACH for 2017-05-19 (2291948) 57 2017-05-23 2017-04-01 Allocate To -4.94 -346.15 3071.99 58 Backend ACH Monthly for 2017-05-19 Receivable (2291948) 58 2017-05-23 Reverse Put in 4.94 346.15 3076.93 05/23/2017 ACH Suspense (Break reversed -NSF Allocation) 59 2017-05-23 Reverse NSF -351.09 05/23/2017 ACH Payment reversed - NSF 60 2017-05-31 2017-06-01 Regu a: Monthly 6.11 344.98 Auto Receivable Receivable Sweep Create Monthly Receivable 61 2017-06-1 6 2017-06-1 6 Late Charge Fee 15 LATE Automated Fee Sweep 62 2017-06-30 2017-07-01 Regu arMonthly 6.8 344.29 Auto Receivable Receivable Sweep Create Monthly Receivable 63 2017-07-1 6 2017-07-1 6 Late Charge Fee 15 LATE Automated Fee Sweep 64 2017-07-3 1 2017-08-01 Regular Monthly 7.56 343.53 65 Auto Receivable Receivable Sweep Create Monthly Receivable 65 2017-08-01 Revoke -7.56 -343.53 Charge Off Receivable {n . 66 2017-08-01 2017-07-31 Charge-Off -3076.93 -1381.02 -90 Charge OP ‘ . A J 67 2017-08-01 2017-08-01 Regular Monthly 7.56 343.53 Charge Off Receivable 68 2017-08-31 2017-09-01 Regu arMonthly 8.41 342.68 Auto Receivable Receivable Sweep Create “mega KOOONQUILWNu-t NNNNNNNNNHHh-HHb-b-h-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO Christopher D. Mandarich SB 220693 Ajay Sood SB325294 Electrnnically Hayk Stambultsyan $3320973 FILED Martin Weingarten SB 201906 bySuperlurCmrtnfC-allfizurnla.Cmtynffianhflaten MANDARICH LAW GROUP, LLP fl“ 10/20/2021 13.0. Box 109032 Chicago, 1L 60610 By 877.285.4918 D-rwrrfl-rk Facsimile: 818.888. 1260 Attorneysfor Plaintifl: Arcadia Partner, LLC SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED Arcadia Partner, LLC, Case N0, 21 -CLJ-O5689 Plaintiff, COMPLAINT FOR: VS. 1. BREACH OF CONTRACT WILLIAM STILTNER, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant DEMAND: $3,645.38 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1. Plaintiff is and at all times herein mentioned, Arcadia Partner, LLC, and successor in interest to original creditor, LoanMe, Inc. 2. Plaintiff is a debt buyer, and is the sole owner of the debt at issue and its name and address is as follows: Arcadia Partner, LLC; 3050 Peachtree Rd NW, Atlanta, GA 30305. 3. The charge-off creditor at the time 0f charge-off is LoanMe, Inc., 1900 South State College Boulevard, Suite 300, Anaheim, CA 92806, and the account number associated with this debt is XX7980. 4. The subject credit account has been purchased by the following entities after charge-off: BUYERS HOLDINGS, LLC Who maintains an address at 1966 NE 123m Street, Station 209, North Miami, FL 33181. The subject credit account was transferred by BUYERS HOLDINGS, LLC t0 Plaintiff ARCADIA PARTNER, LLC, who maintains an address at 3050 Peachtree Road NW, Atlanta, GA 30305. Exhibit "86" COMPLAINT-l 0f 5 KOOONONUILWNr-t NNNNNNNNNHh-h-HHb-h-th-HH OOVQMJ>WN~O©OOQONM$UJNHO 5. Plaintiff is informed and believes that Defendant are individuals Who currently reside Within the jurisdictional boundaries 0f the above entitled Court. Therefore, this Court is the proper Court for trial of this action. 6. The name and last known address of the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0f the debt is WILLIAM STILTNER , 1193 HERMAN ST , SAN BRUNO, CA 94066. 7. Plaintiff is unaware of the true names 0r capacities, Whether individual, corporate, associate or otherwise ofthe Defendant sued herein as DOES 1 through 10 inclusive, and therefore, sued the Defendant by such fictitious names. PlaintiffWill amend this Complaint t0 show their true names and capacities once ascertained. 8. Plaintiff believes and at all times mentioned herein, each 0f the Defendant was, and is, the agent, servant and employee, employer of each of the other Defendant, and also acted in the capacity of and as agent 0f the other Defendant. Plaintiff also believes that the individual Defendant, and each 0f them, are jointly and severally liable that the actions described herein were taken as actions for the benefit 0f the Defendant's separate and/or community property. 9. Plaintiff believes that, for value received, Defendant and each 0f them, executed and delivered a credit application to the original creditor, LoanMe, Inc. 0r made such application over the telephone 0r Internet. Pursuant to the aforementioned application, LoanMe, Inc. provided Defendant With a credit account, and granted use privileges 0n the same, account number XX7980 (hereinafter “Account”). 10. Prior t0 the commencement of this action, the Account was assigned for value to the Plaintiff and Plaintiff is its current holder. 11. Defendant agreed t0 comply with the terms governing the use 0f the Account, as it was amended from time to time, including repaying LoanMe, Inc. and any successors in interest, for any charges on the Account including, but not limited to, charges for purchase 0f goods and service and/or cash advances and balance transfers along with late charges, over limits charges related thereto. COMPLAINT-2 0f 5 KOOONONUI-bUJNr-t NNNNNNNNNHh-h-Hb-b-h-th-HH OONQMJ>WN~O©OOQONM$UJNHO 12. Defendant used the Account to make purchases and/or t0 take cash advances and/or to make balance transfers. Each time the Defendant used the Account t0 purchase goods and services and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement to repay LoanMe, Inc. and its successors in interest for the amount 0f the purchase and/or cash advances and/or balance transfers, along With such other charges as may be assessed pursuant to the terms governing the Account. 13. The date 0f last payment 0n the subject account was on May 12, 2017. 14. Within the last four years, the Defendant failed to make payments as agreed on the Account. Defendant has failed, refused and neglected to pay amounts due 0n the Account. 15. The debt balance at Charge-offwas $36453 8, and upon information and beliefthere is $0.00 in post charge off fees and there is $0.00 in post charge off interest. 16. Subsequent t0 charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $3,645.38. 17. Although demand has been made upon said Defendant t0 pay said amount, n0 part has been paid, and it is now due and owing. 18. Upon information and belief, LoanMe, Inc. and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 19. Plaintiff has complied With California Civil Code Section 1788.52. 20. Plaintiff has attached hereto as Exhibit A and incorporated herein by reference a copy ofBilling Statement and/or Loan File provided t0 the Defendant While the account was active, demonstrating that the debt was incurred by the Defendant. 21. Plaintiff has attached hereto as Exhibit B and incorporated herein by reference a copy 0f the Final Billing Statement and/or Transaction History. 22. Upon opening the Account with LoanMe, Inc., the Defendant agrees to reimburse LoanMe, Inc., and hence Plaintiff as successor in interest for the costs related to the collection 0f amounts owing on the Account. Plaintiff has been required t0 retain Mandarich Law Group, LLP t0 pursue collection of the amount due hereunder. COMPLAINT-3 0f 5 \OOOflQUl-RUJNH NNNNNNNNNHr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNh-‘OKOOOQONUl-bUJNF-‘O FIRST CAUSE OF ACTION (Breach of Contract) 23. Plaintiff refers to and incorporates paragraphs 1 through 22. 24. LoanMe, Inc. extended a credit loan t0 the Defendant. 25. Defendant accepted the terms and conditions of the Account by Defendant use of the Account to make purchases and/or t0 take cash advances and/or t0 make balance transfers. 26. Defendant have breached the terms and conditions governing the Account by failing to pay amounts due and owing 0n the Account. 27. As a direct and proximate result thereof, Plaintiff has been damaged in the amount 0f $3,645.38. SECOND CAUSE OF ACTION (Open Book Account) 28. Plaintiff refers t0 and incorporates paragraphs 1 through 27. 29. Within the past 4 years, Defendant and each ofthem became indebted in the amount of the previously mentioned herein for a balance due on a book account for goods sold and delivered and/or services rendered by LoanMe, Inc. Although demand has been made upon Defendant, said amount 0f $3,645.38 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 0f 5 KOOONONUI-bUJNr-t NNNNNNNNNHh-kb-Ar-kb-b-h-h-Hb-t OONQMJ>WN~O©OONONM$UJNHO WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $3,645.38, 2. For costs of suit incurred; and 3. For such other and further relief as the Court deems just and proper. 4. Plaintiff remits all damages in excess of the jurisdictional amount 0f this Court. Dated: 10/1 1/2021 By: MANDARICH LAW GROUP, LLP [X] Christopher D. Mandarich, Esq. Attorneysfor Plaintiff COMPLAINT-5 0f 5 EXHIBIT A LOANME, INC. PROMISSORY NOTE AND DISCLOSURE STATEMENT Loan No.: .7980 Date of Note: November 16, 2015 Expected Funding Date: November 17, 2015 Lender: LoanMe, Inc. Borrower: WILLIAM STILTNER Address: 1900 S. State College Boulevard Suite 300 Address: 1193 HERMAN ST Anaheim, CA 92806 SAN BRUNO, CA 94066 In this Promissory Note and Disclosure Statement ("Note"), the words "you" and "your" mean the person signing as a borrower. "We," "us,", and "our," mean LoanMe, Inc. and any subsequent holder of this Note. TRUTH IN LENDING ACT DISCLOSURE STATEMENT ANNUAL FINANCEPERCENTAGE CHARGE AMOUNT FINANCED TOTAL OF PAYMENTSRATE . . The amount you will haveThe cost of your credit as The dollar amount the The amount of credit paid after a” payments area yearly rate credit WIII cost you prowded to you made as scheduled I 138.37 % I $11,451.12 I $2,525.00 $13,976.12 PAYMENT SCHEDULE One payment of $430.96 on January 01, 2016. 46 monthly payments of $294.46 beginning on February 01, 2016. Late Charge: If a payment is more than 15 days late, you will be charged $15.00. Prepayment: If you pay off this loan early, you will not have to pay any penalty. Please see the remainder of this document for additional information about nonpayment, default and any required repayment in full before the scheduled date. ITEMIZATION OF AMOUNT FINANCED Amount Financed: $2,525.00 Amount Paid to Borrower Directly: $2’525'00 Prepaid Finance Charge/Origination $75.00 Fee: This Note is in original format an electronic document fully compliant with the Electronic Signatures in Global and National Commerce Act (E-SIGN) and other applicable laws and regulations, and that the one, true original Note is retained electronically by us. All other versions hereof, whether electronic or in tangible format, constitute facsimiles or reproductions only. FOR VALUE RECEIVED, you promise to pay to the order of LoanMe, Inc., or any subsequent holder of this Note the sum of $2,600.00, together with interest calculated at 135.00 % and any outstanding charges or late fees, until the full amount of this Note is paid. Your payments will be applied first to any outstanding charges or late fees, then to earned interest and finally to principal. The payment schedule disclosed above is only an estimate and may change in the event you do not make all payments as scheduled. Your interest is calculated on a 360/360 simple interest basis. This means that interest is calculated by dividing the annual Interest Rate disclosed above by 360, multiplying that number by the outstanding principal balance, and multiplying that number by the number of days the principal balance is outstanding, assuming that each full month is comprised of 30 days. You may prepay all or any part of the principal at any time without penalty. You will be subject to a fee of $15 if any payment you make is returned for non-sufficient funds. You agree that all payments not made within fifteen (15) days of the due date shall be subject to a late fee of $15.00. The origination fee included in the prepaid finance charge/origination fee disclosed above is fully earned upon loan origination, and is not subject to rebate upon prepayment or acceleration of this Note and is not considered interest. This Note shall take effect as a sealed instrument and shall be construed, governed and enforced in accordance with the laws of the State of California. You have previously consented to receive all communications from us, including but not limited to, all required disclosures via electronic mail. This means that all communications from us will be delivered in electronic form. You understand and agree that we may obtain credit reports on you an ongoing basis as long as this loan remains in effect. You also authorize us to report information concerning your account to credit bureaus. You understand that, from time to time, we may monitor or record telephone calls between you and us. You hereby consent to have your calls monitored or recorded. You agree that in the event we need to contact you to discuss your account or the repayment of your loan, we may telephone you at any number, including any cell phone number provided or obtained, and that we may leave an autodialed or prerecorded message or use other technology to make that contact or to communicate to you the status of your account. You may cancel this consent by providing us with notice. A married or registered domestic partner applicant may apply for a separate account. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. If we take any adverse action as defined by Section 1785.3 of the California Civil Code and the adverse action is based, in whole or in part, on any information contained in a consumer credit report, you have the right to obtain within 60 days a free copy of your consumer credit report from the consumer reporting agency who furnished us your consumer credit report and from any other consumer credit reporting agency which compiles and maintains files on consumers on a nationwide basis. You have the right as described by Section 1785.16 of the California Civil Code to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency. This Agreement encompasses the entire agreement of the parties, and supersedes all previous understandings and agreements between the Parties, whether oral or written. Any modifications to this Agreement must be made in writing and signed by both parties. If you fail to make any payment due under this Note, we shall have the right, after a 30-day grace period, to declare this Note to be immediately due and payable. If you file for an assignment for the benefit of creditors, bankruptcy, or for relief under any provisions of the United States Bankruptcy Code, we shall have the right to declare this Note to be immediately due and payable. In the event that we are required to employ an attorney at law to collect any amounts due under this Note, you will be required to pay the reasonable fees of such attorney to protect our interest or to take any other action required to collect the amounts due hereunder. ARBITRATION PROVISION _ ____ _ . _' -.. _. -- -. by federal law. This Arbitration Provision is governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16 ("FAA"). WAIVER OF JURY TRIAL AND ARBITRATION PROVISION. Arbitration is a process in which persons with a dispute: (a) waive their rights to file a lawsuit and proceed in court and to have a jury trial to resolve their disputes; and (b) agree, instead, to submit their disputes to a neutral third person (an "arbitrator") for a decision. Each party to the dispute has an opportunity to present some evidence to the arbitrator. Pre-arbitration discovery may be limited. Arbitration proceedings are private and less formal than court trials. The arbitrator will issue a final and binding decision resolving the dispute, which may be enforced as a court judgment. A court rarely overturns an arbitrator's decision. We have a policy of arbitrating all disputes with customers which cannot be resolved in a small claims tribunal, including the scope and validity of this Arbitration Provision and any right you may have to participate in an alleged class action. THEREFORE, YOU ACKNOWLEDGE AND AGREE AS FOLLOWS: For purposes of this Waiver of Jury Trial and Arbitration Provision, the words "dispute" and "disputes" are given the broadest possible meaning and include, without limitation (a) all claims, disputes, or controversies arising from or relating directly or indirectly to the signing of this Arbitration Provision, the validity and scope of this Arbitration Provision and any claim or attempt to set aside this Arbitration Provision; (b) all federal or state law claims, disputes or controversies, arising from or relating directly or indirectly to the Loan Agreement, the information you gave us before entering into this Agreement, including the customer information application, and/or any past agreement or agreements between you and us; (c) all counterclaims, cross-claims and third-party claims; (d) all common law claims, based upon contract, tort, fraud, or other intentional torts; (e) all claims based upon a violation of any state or federal constitution, statute or regulation; (f) all claims asserted by us against you, including claims for money damages to collect any sum we claim you owe us; (g) all claims asserted by you individually against us and/or any of our employees, agents, directors, officers, shareholders, governors, managers, members, parent company or affiliated entities (hereinafter collectively referred to as "related third parties"), including claims for money damages and/or equitable or injunctive relief; (h) all claims asserted on your behalf by another person; (i) all claims asserted by you as a private attorney general, as a representative and member of a class of persons, or in any other representative capacity, against us and/or related third parties (hereinafter referred to as "Representative Claims"); and/or (j) all claims arising from or relating directly or indirectly to the disclosure by us or related third parties of any non-public personal information about you. 1. You acknowledge and agree that by entering into this Arbitration Provision: (a) YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES; (b) YOU ARE GIVING UP YOUR RIGHT TO HAVE A COURT, OTHER THAN A SMALL CLAIMS TRIBUNAL, RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES; and (c) YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, AND/OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT FILED AGAINST US AND/OR RELATED THIRD PARTIES. 2. Except as provided in Paragraph 5 below, all disputes including any Representative Claims against us and/or related third parties shall be resolved by binding arbitration only on an individual basis with you. THEREFORE, THE ARBITRATOR SHALL NOT CONDUCT CLASS ARBITRATION; THAT IS, THE ARBITRATOR SHALL NOT ALLOW YOU TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATrORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY FOR OTHERS IN THE ARBITRATION. 3. Any party to a dispute, including related third parties, may send the other party written notice by certified mail return receipt requested of their intent to arbitrate and setting forth the subject of the dispute along with the relief requested, even if a lawsuit has been filed. Regardless of who demands arbitration, you shall have the right to select any of the following arbitration organizations to administer the arbitration: the American Arbitration Association (1- 800-778-7879) http://www.adr.org or JAMS (1-800-352-5267) http://www.jamsadr.com. The parties may also agree to select an arbitrator who resides within your federal judicial district who is an attorney, retired judge, or arbitrator registered and in good standing with an arbitration association, and arbitrate in accordance with such arbitrator's rules. The party receiving notice of arbitration will respond in writing by certified mail return receipt requested within twenty (20) days. If you demand arbitration, you must inform us in your demand of the arbitration organization you have selected or whether you desire to select a local arbitrator. If related third parties or we demand arbitration, you must notify us within twenty (20) days in writing by certified mail return receipt requested of your decision to select an arbitration organization. If you fail to notify us, then we have the right to select an arbitration organization. The parties to such dispute will be governed by the rules and procedures of such arbitration organization applicable to consumer disputes, to the extent those rules and procedures do not contradict the express terms of this Arbitration Provision, including the limitations on the arbitrator below. You may obtain a copy of the rules and procedures by contacting the arbitration organization listed above. 4. Regardless of who demands arbitration, at your request we will pay your portion of the arbitration expenses, including the filing, administrative, hearing and arbitrator's fees ("Arbitration Fees"). Throughout the arbitration, each party shall bear his or her own attorney's fees and expenses, such as witness and expert witness fees. The arbitrator shall apply applicable substantive law consistent with the FAA, and applicable statutes of limitation, and shall honor claims of privilege recognized at law. The arbitration hearing will be conducted in the county of your residence. The arbitrator may decide, with or without a hearing, any motion that is substantially similar to a motion to dismiss for failure to state a claim or a motion for summary judgment. In conducting the arbitration proceeding, the arbitrator shall not apply any federal or state rules of civil procedure or evidence. If allowed by statute or applicable law, the arbitrator may award statutory damages and/or reasonable attorney's fees and expenses. If the arbitrator renders a decision or an award in your favor resolving the dispute, we will reimburse you for any Arbitration Fees you have previously paid. At the timely request of any party, the arbitrator shall provide a written explanation for the award. The arbitrator's award may be filed with any court having jurisdiction. 5. All parties, including related third parties, shall retain the right to seek adjudication in a small claims tribunal in the county of your residence for disputes within the scope of such tribunal's jurisdiction. Any dispute, which cannot be adjudicated within the jurisdiction of a small claims tribunal, shall be resolved by binding arbitration. Any appeal of a judgment from a small claims tribunal shall be resolved by binding arbitration. 6. This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be governed by the FAA. If a final non-appealable judgment of a court having jurisdiction over this transaction finds, for any reason, that the FAA does not apply to this transaction, then our agreement to arbitrate shall be governed by the arbitration law of the State of California. 7. This Arbitration Provision is binding upon and benefits you, your respective heirs, successors and assigns. This Arbitration Provision is binding upon and benefits us, our successors and assigns, and related third parties. This Arbitration Provision continues in full force and effect, even if your obligations have been paid or discharged through bankruptcy. This Arbitration Provision survives any cancellation, termination, amendment, expiration or performance of any transaction between you and us and continues in full force and effect unless you and we otherwise agree in writing. If any of this Arbitration Provision is held invalid, the remainder shall remain in effect. OPT-OUT PROCESS You may choose to opt out of the Arbitration Provision, but only by following the process set-forth below. If you do not wish to be subject to this Arbitration Provision, then you must notify us in writing within sixty (60) calendar days of the date of this Note at the following address: Arbitration Opt-Out, LoanMe, Inc., 1900 S. State College Blvd., Suite 300, Anaheim, CA 92806. Your written notice must include your name, address, account number or social security number and a statement that you wish to opt out of this Arbitration Provision. YOU CERTIFY THAT YOU HAVE READ AND UNDERSTAND THIS ARBITRATION PROVISION AND AGREE TO BE BOUND TO ITS TERMS. Payments. You have previously authorized and requested us to initiate an automated clearinghouse or other electronic funds transfer ("EFI'") from the bank account identified on your Application (the "Bank Account") to make each payment required hereunder on the day it is due. You also authorize us to initiate an EFI' to or from the Bank Account to correct any erroneous payment and, in the event any EFI' is unsuccessful, to attempt such payment up to two additional times. You understand that unsuccessful EFl's may result in charges by your bank, and you agree that we are not liable for such charges. We will notify you 10 days prior to any given transfer if the amount to be transferred varies by more than $50 from your regular payment amount. You also authorize us to withdraw funds from your account on additional days throughout the month in the event you are delinquent on your loan payments. Your request and authorization for us to initiate EFl's is entirely voluntary, and you may terminate this authorization by notifying us in writing via fax (844-904-7368) or email (customer.service@LoanMe.com) soon enough to allow us a reasonable opportunity to act on your termination (generally at least three business days in advance). By signing this promissory note, you also authorize us to obtain payments from your Bank Account by creating and processing paper checks (each a "Check") in place of initiating any or all of the EFl's described above. Each Check will be in the amount of the payment that would have been initiated as an EFI', and each Check will be deposited by us for processing on or after the same day that the payment would have been initiated as an EFI'. We will type your name in the signature line of each Check, and you agree that your typed name constitutes your authorized signature. You acknowledge that an electronic image of each Check may be created and processed as a substitute check pursuant to the-Check 21 Act. If you ter?ninate your EFI' authorization as described above, this authorization to create Checks will also terminate. You may also cancel by notifying your financial institution orally or in writing at least three business days before the scheduled date of any transfer. THIS LOAN CARRIES A VERY HIGH INTEREST RATE. YOU MAY BE ABLE TO OBTAIN CREDIT UNDER MORE FAVORABLE TERMS ELSEWHERE. EVEN THOUGH THE TERM OF THE LOAN IS 47 MONTHS, WE STRONGLY ENCOURAGE YOU TO PAY OFF THE LOAN AS SOON AS POSSIBLE. YOU HAVE THE RIGHT TO PAY OFF ALL OR ANY PORTION OF THE LOAN AT ANY TIME WITHOUT INCURRING ANY PENALTY. YOU WILL, HOWEVER, BE REQUIRED TO PAY ANY AND ALL INTEREST THAT HAS ACCRUED FROM THE FUNDING DATE UNTIL THE PAYOFF DATE. YOU CERTIFY THAT NO PERSON HAS PERFORMED ANY ACT AS A BROKER IN CONNECTION WITH THE MAKING OF THIS LOAN. YOU CERTIFY THAT YOU HAVE READ AND UNDERSTAND THE AMORTIZATION SCHEDULE ON THIS LOAN. Click here to view. YOU HAVE READ ALL OF THE TERMS AND CONDITIONS OF THIS PROMISSORY NOTE AND DISCLOSURE STATEMENT AND AGREE TO BE BOUND BY ITS TERMS. YOU UNDERSTAND AND AGREE THAT YOUR EXECUTION OF THIS NOTE SHALL HAVE THE SAME LEGAL FORCE AND EFFECT AS A PAPER CONTRACT. This Loan Is Made Pursuant To The California Finance Lender Law, Division 9 (commencing with Section 22000) of the Financial Code. FOR INFORMATION, CONTACT THE DEPARTMENT OF BUSINESS OVERSIGHT, STATE OF CALIFORNIA, LICENSE NO. 603-K061. EXHIBIT B Loan Id: Borrower's Name: .7980 “ULLIAM STILTNER Next Due Date: Loan Transaction History Principal Balance: $2539.92 2017/03/01 Interest Rate: 135.0% Page 1 of 9 1 2015-1 1-17 2015-1 1-17 Beg'nning 2600 2600 Loan Origination Balance (loan G. ' ' ' X 2 2015-1 1-17 2016-01-01 Initial Interest 1.96 429 Loan Origination Due (First Receivable on Tenn) 3 2016-01-06 2016-01-01 ACH Payment 430.96 ACH 6 Scheduled ACH for 201 6-01 -01 (718721) ‘4' 2016-01-06 2016-01-01 Allocate To First -1 .96 429 25.98.04 '5 Scheduled ACH Monthly for 201 6-01-01 Receivable (718721) 5 2016-01-06 Reverse Put in 1.96 429 2600 01/06/2016 ACH Suspense (Break reversed - NSF Allocation) 6 2016-01-06 Reverse NSF 430,96 01/06/2016 ACH Payment reversed - NSF 7 2016-01-06 2016-01-06 NSF Fee 15 NSF 01/06/2016 ACH reversed - NSF 8 2016-01-12 2016-01-08 ACH Payment 445.96 ACH Request ACH2016-01-08 (740351) -- ACHVendor=Nl A. SettlementID=74 035 174035 1-- 9 2016-01-12 2016-01-01 Allocate To First -1.96 -429 2598.04 Request Monthly ACH2016-01-08 Receivable (740351) -- ACHVendor=Nl A. SettlementID=74 035 174035 1-- 10 2016-01-12 2016-0106 Allocate To NSF -15 Request Fee ACH2016-01-08 (740351) -- ACHVendor=Nl A. SettlementID=74 035 174035 1-- 11 2016-01-31 2016-02-01 Regular Monthly 2.18 292.28 15 Auto Receivable Receivable Sweep Create Monthly Receivable ,1; 2016-02-93 2016-02431 ACH Payment 294546 56H 16 Schemed ACH for 201 6-02-01 (79601 6) 13 2016-02-03 2016-02-01 Allocate To -2.1 8 -292.28 2595.86 14 Scheduled ACH Monthly for 201 6-02-01 Receivable (79601 6) I4 2016-02-03, Reverse Put in 2.18 29228 2598.04 0Z03/201 6 ACH Suspense (Break reversed - NSF Allocation) 15 2016-02-03 Revoke -2.1 8 -292.28 0Z03/201 6 ACH Receivable reversed - NSF {n . I6 2016-02-03 Reverse NSF -294,46 0Z03/201 6 ACH Payment reversed - NSF 17 2016-02-03 2016-02-03 NSF Fee 15 NSF 0Z03/201 6 ACH reversed - NSF 18 2016-0203 2016-02-01 Regular Monthly 2.18 292.28 0Z03/201 6 ACH Receivable reversed - NSF 19 2016-02-09 2016-02-05 ACH Payment 300 ACH Request ACH20 16-02-05 (804204) .- ACHVendor=Nl A. SettlementID=80 4204804204-- 20 2016-02-09 2016-02-01 Allocate To -2.18 -Z92.28 2595.86 Request Monthly ACH2016-02-05 Receivable (804204) -- ACHVendor=Nl A. SettlementID=80 4204804204- 21 2016-02-09 2016-02-03 Allocate To NSF -5.54 Request Fee ACH2016-02-05 (804204) .- ACHVendor=Nl A. SettlementID=80 4204804204-- 2% 2016$2¥23 2016403401 2.43 292.033 Auto Receivable Sweep Create V Monthly '7 ' 11316; Page 2 of 9 23 2016-03-03 2016-03-01 ACH Payment 294.46 ACH Scheduled ACH for 201 6-03 -01 (858054) -- ACHVendm=Nl A. SelemenD=85 8054858054-- 2016-03-03 2016-03-01 Allocate To Monthly Receivable -2.43’ -292.03 2593.43 Scheduled ACH for 201 6-03 -01 (858054) -- ACHVend01=NI A. SettlementID=85 8054858054- 25 2016-03-15 2016-03-11 ACH Payment 9.46 ACH Fee ACH for 2016-03-11 (891613) -- ACHVendm=Nl A. SettlementID=89 161 3891 61 3-- 1’26, 2016a03-15 2016a02-03 Allocate To NSF Fee -9.46' Fee ACH for 2016-03-11 (891613) - ACHVend01=Nl A. SettlementID=89 161 3891 61 3-- 27 2016-03-31 2016-04-01 Regula: Monthly Receivable 2.7 291.76 Auto Receivable 28 2016-04-05 2016-04-01 ACH Payment 294.46 ACH Scheduled ACH for 201 6-04-01 (936784) - ACHVendox=Nl A. SettlementID=93 6784936784-- 29 2016-04-05 2016-04-01 Allocate To Monthly Receivable -291.76 2590.73 Scheduled ACH for 201 6-04-01 (936784) -- ACHVendox=Nl A SemenmiD=93 6784936784-- 201643430 2016-05-01 RegularMonthly Auto Receivable Sweep Create Monthly Receivable 31 2016-05-04 2016-05-01 ACH Payment 294.46 ACH Scheduled ACH for 201 6-05 -01 (1048972) -- ACHVendox=Nl A Sememtm=lo 48972104897 -- 32 2016a05-04 2016a05-01 Allocate To Monthly Receivable -3 -Z91.46 2587.73- Scheduled ACH for 201 6-05 -01 (1048972) - ACHVendox=Nl A. SettlementID=10 489721048972-- 33 2016-05-31 2016-06-01 Regula: Monthly Receivable 3.34 291.12 37 Auto Receivable Sweep Create Monthly Receivable 34 2016-06-07 2016-06-01 ACH Payment 294146 38 SchemedACH foams-06m (1 123361) 35 2016-06-07 2016-06-01 Allocate To Monthly Receivable -3.34 -291.12 2584.39 36 Schemed ACH for 2016-06-01 (1 123361) 35 20 l6-06-07 Reverse Put in Suspense (Break Allocation) 3 .34 29,1.12 2587.73 06/07/2016 ACH reversed - NSF 37 2016-06-07 Revoke Receivable {n . -3.34 -291.12 06/07/201 6 ACH reversed - NSF 38 2016-06-07 Reverse NSF Payment 494.46 06/07/201 6 ACH reversed - NSF 39 2016-06-07 2016-06-07 NSF Fee 15 NSF 06/07/201 6 ACH reversed - NSF ‘T 2016-06-07 2016-06-01 Regular‘Monthly 3.34 291.12 06/07/201 6 ACH reversed -NSF 41 2016-06-14 2016-06-10 ACH Payment 294.46 ACH Rerun ACH for 2016-06-10 (1158780) -- ACHVendor=Nl A. Settlement] l)=1 1 587801 158780-- 42 2016-06-14 2016-06-01 Allocate To Monthly Receivable -3.34 -291.12 2584.39 RerunACH for 2016-06-10 (1158780) -- ACHVendor=Nl A. Settlement] l)=1 1 587801 158780- 43 2016-06-30 2016-07-01 Regular Monthly Receivable 3 .72 290.74 Auto Receivable Page 3 of 9 2016-07-12 2016-07-08 ACH Payment 294.46 ACH Request ACH2016-07-08 (1 178184) -- ACHVendox=Nl A. SelemenD=11 781841 1781 84- 45 2016-07-12 2016-07-01 Allocate To Monthly Receivable -3 .72 -290.74 2580.67 Request ACH20 16-07-08 (1 178184) -- ACHVendm=Nl A. Setement]l)=11 781841 1781 84-- WWW-3'1 2015208411 RegularMonthly Receivable 4.13 2901353 50 Auto Receivable Sweep Create Monthly Receivable 47 2016-08-03 2016-08-01 ACH Payment 294.46 ACH 51 Schemed ACH for 201 6-08-01 (1344396) 2016-08-03 2016-08-01 Allocate To Monthly Receivable .4.13' 490.33 2576.54 49 Schemed ACH for 201 6-08-01 (1344396) 49 2016-08-03 Reverse Put in Suspense (Break Allocation) 4.13 290.3 3 2580.67 08/03/201 6 ACH reversed - NSF 50 2016d08-03 Revolce Receivable {n . 90.33 08/03/201 6 ACH reversed - NSF 51 2016-08-03 Reverse NSF Payment -294.46 08/03/201 6 ACH reversed - NSF 52 2016-08-03 2016-08-03 NSF Fee 15 NSF 08/03/201 6 ACH reversed - NSF 53 2016-08-03 2016-08-01 Regular Monthly Receivable 4.13 290.3 3 08/03/201 6 ACH reversed - NSF 54 2016-08-09 2016-08-05 ACH Payment 294.46 ACH Rerun ACH for 20 16-08-05 (1362204) -- ACHVendor=Nl A. SettlementID=1 3 622041 362204- 55 2016-08-09 2016-08-01 Allocate To Monthly Receivable -290.33 2576.54 Rerun ACH for 20 16-08-05 (1362204) -- ACHVendor=Nl A. SettlementID=1 3 622041 362204-- :53 201503.31 2016309411 Regula:Monthly Receivable 4,6: 28986 Auto Receivable 57 2016-09-07 2016-09-01 ACH Payment 294.46 ACH Scheduled ACH for 201 6-09-01 (1428512) -- ACHVendor=Nl A SettlementID=14 2851214285 12-- 58 2016a09-07 2016a09-01 Allocate To Monthly Receivable -4.6 -289;86 2571.94 Scheduled ACH for 201 6-09-01 (1428512) -- ACHVendo)=N/ A SettlementID=14 2851214285 12-- 59 2016-09-20 2016-09-16 ACH Payment 30 ACH Fee ACH for 2016-09-16 (1456625) -- ACHVendor=Nl A. SettlementID=14 566251456625-- 20 16-09-20 20 16-06-07 Allocate To NSF Fee Fee ACH for 2016-09-16 (1456625) - ACHVendoFN/ A. SettlementID=14 566251456625-- 61 2016-09-20 2016-08-03 Allocate To NSF Fee Fee ACH for 2016-09-16 (1456625) -- ACHVendor=Nl A. SettlementID=14 566251456625-- 201530950- 2016310401 Regulm'Monthly Receivable, ”51.12 2.89.34 Auto Receivable Sweep Create Monthly Receivable 63 2016-10-05 2016-10-01 ACH Payment 294.46 ACH Scheduled ACH for 201 6-10-01 (1495220) -- ACHVendor=Nl A. Settlement] l)=14 952201495220-- 2016-10-05 2016-10-01 Allocate To Monthly Receivable -5.12 -289.34 2566.82 Scheduled ACH for 201 6-10-01 (1495220) -- ACHVendol=Nl A. SetementID=1 4 9522014952204.- Page 4 of 9 65 2016-10-31 2016-1 1-01 Regular Monthly 5.69 288.77 69 Auto Receivable Receivable Sweep Create Monthly Receivable F 201631-93 20161 1-01 ACH Payment 294;46 MEIR ’70 Scheduled ACH’ ‘ for 201 6-1 1*-01 (1 S74391) 67 2016-11-03 2016-11-01 Allocate To -S.69 -288.77 2561.13 68 Scheduled ACH Monthly for 201 6-1 1 -01 Receivable (1 574391) 68 2016-1 1-03 Reverse Put in 5‘69 288,177 2566.82 11/03/201 6 ACH Suspense (Break reversed - NSF Allocation) 69 2016-1 1-03 Revolce -S.69 -288.77 11/03/201 6 ACH Receivable reversed - NSF {n . '70 2016-1 1-03 Reverse NSF -294,46 11/03/201 6 ACH Payment reversed - NSF 71 2016-11-03 2016-11-03 NSF Fee 15 NSF 11/03/2016 ACH reversed - NSF 72 2016-11-03 2016-11-01 Regular Monthly 5.69 288.77 86 11/03/2016 ACH Receivable reversed - NSF 73 2016-1 1-08 2016-1 1-04 ACH Payment 294.46 ACH 76 Rerun ACH for 20 16-1 1 -04 (1 637572) 74 2016-1 1-08 2016-1 1-01 Allocate To -5.69 ~288.77 2561.13 75 Rerun ACH for Monthly 2016-1 1 -04 P Receivable (1 637572) 75 2016-11-08 Reverse Put in 5.69 288.77 2566.82 11/08/2016 ACH Suspense (Break reversed - NSF Allocation) 76 2016-1 1-08 Reverse NSF -294.46 11/08/201 6 ACH Payment reversed - NSF 77 2016-1 1-1 6 2016-1 1-1 6 Late Charge Fee 15 LATE 84 Automated Fee Sweep '78 2016-1 1-25 2016-1 1-25 Credit Card 199.95 CREDIT_CARD Credit Card Payment Payment (1 340071730) 79 2016-11-25 2016-11-25 Credit-Card Fee 7.95 CCARD Credit Card Payment (1 340071730) 80 2016-11-25 2016-11-25 Allocate To Misc -7;9_5 82 Credit Card Fee Payment (1 340071730) 81 2016-11-25 2016-11-01 Allocate To -192 83 Credit Card Monthly Payment Receivable (1 340071730) 82 2016-1 1-25 Reverse Put in 7.95 Change Terms Suspense (Break Allocation) 83 2016-1 1-25 Reverse Put in 192 Change Terms Suspense (Break Allocation) 84 2016-11-25 Revoke -15 Change Tenn; Receivable {n . 85 2016-11-25 Reduce -15 201 Change Terms Receivable 86 2016-1 1-25 Revolce Loan -5.69 -288.77 Change Terms Mod Receivable 87 2016-11-25 2016-11-01 Change Terms 505.18 3072 200 Change Terms 88 2016-1 1-25 2016-12-01 Initial Interest 192 0 199 Change Ten-us Due (First Receivable on Term) 89 2016-11-25 2016-11-25 Allocate To Misc -7.95 187 Change Terms Fee 90 2016-11-25 2016-11-25 Curtailment 192 0 198 Change Terms Receivable 91 2016-11-25 2016-11-25 Allocate To -192 2880 188 Change Terms Cu. " 92 2016-12-06 2016-12-01 ACH Payment 192 ACH 95 Scheduled ACH for 201 6-12-01 (1739007) 93 2016-12-06 2016-12-01 Allocate To First -1 92 2688 94 Scheduled ACH Monthly for 201 6-12-01 Receivable (1739007) 9,4 2016-12-06 Reverse Put in 192 2880 1Z06/201 6 ACH Suspense (Break reversed - NSF Allocation) 95 2016-12-06 Reverse NSF -1 92 1Z06/201 6 ACH Payment reversed - NSF 9.6, 2016-12-06 2016-12-06' NSF Fee 1,5, NSF, 1Z06/201 6 ACH reversed - NSF 97 2016-12-1 3 2016-12-09 ACH Payment 207 ACH Request ACH2016-12-09 (1755442) -- ACHVendor=Nl A. SettlementID=17 554421755442-- 98 2016-12-13 2016-1201 Allocate To First -192 2688 186 Request Monthly ACH2016-12-09 Receivable (1755442) -- ACHVendor=Nl A. SettlementID=17 554421755442-4- Page 5 of 9 99 2016-12-13 2016-12-06 Allocate To NSF -15 185 Request Fee ACH2016-12-09 (1755442) .- ACHVendm=Nl A. SelemenD=1 7 554421755442-- 196 mwnzél 2017mm RegularMonthly 192: 104 Auto Receivable Receivable Sweep Create Monthly Receivable 101 2017-01-05 2017-01-01 ACH Payment 192 ACH 105 Scheduled ACH for 2017-01 -01 (1 833077) 1112 2017-01-05 2017-01-01 Allocate To -1 92 9496 103 Schemlled ACH Monthly for 2017-01-01 Receivable (1 833077) 103 2017-01-05 Reverse Put in 192 2688 01/05/2017 ACH Suspense (Break reversed - NSF Allocation) 104 2017-01-05 Revoke -1 92 01/05/2017 ACH Receivable reversed -NSF (n . 105 2017-01-05 Reverse NSF -1 92 01/05/2017 ACH Payment reversed - NSF 106 2017-01-05 2017-01-05 NSF Fee 15 NSF 01/05/2017 ACH reversed - NSF 107 2017-01-05 2017-01-01 Regular Monthly 192 197 01/05/2017 ACH Receivable reversed - NSF 108 2017-01-10 2017-01-06 ACH Payment 192 ACH Rerun ACH for 2017-01 -06 (1835325) -- ACHVendol=Nl A. SetemenD=1 8 353251835325- 109 2017-01-10 2017-01-01 Allocate To -192 2496 184 Rerun ACH for Monthly 2017-01 -06 Receivable (1835325) -- ACHVendol=Nl A. SetemenD=1 8 353251835325-- 110, 2017101-31 20170201 RegularMonthly 1:92 114 Auto Receivable Receivable Sweep Create Monthly Receivable 1 11 2017-02-03 2017-02-01 ACH Payment 192 ACH 1 15 Scheduled ACH for 2017-02-01 (2004409) 1‘12 201702-03 2017-02-01 Allocate To -192 2304‘ 113 Scheduled ACH Monthly for 2017-02-01 Receivable (2004409) 113 2017-02-03 Reverse Put in 192 2496 0Z03/2017 ACH Suspense (Break reversed - NSF Allocation) 1'14 2017-02-03 Revoke -1 92 0Z03/2017 ACH Receivable reversed - NSF (n . 115 2017-02-03 Reverse NSF -1 92 0Z03/2017 ACH Payment reversed - NSF l 16 2017-02-03 2017-02-03 NSF Fee 15 NSF 0Z03/2017 ACH reversed - NSF 117 2017-02-03 2017-02-01 Regular Monthly 192 196 0Z03/2017 ACH Receivable reversed - NSF 118 2017-02-14 2017-02-10 ACH Payment 192 ACH Rerun ACH for 2017-02-10 (2023621) -- ACHVendol=Nl A. SettlementID=20 236212023621 -- 119 2017-02-14 2017-02-01 Allocate To -1 92 2304 183 Rerun ACH for Monthly 2017-02-10 Receivable (2023621) -- ACHVendol=Nl A. SettlementID=20 236212023621 -- 120 201710248, 2017;03-01 RegularMonthly" 1192’ 124 Auto Receivable Receivable Sweep Create Monthly Receivable 121 2017-03-03 2017-03-01 ACH Payment 192 ACH 125 Scheduled ACH for 2017-03 -01 (2081731) 122 2017-03-03 2017-03-01 Allocate To 4'92 21 12 123 Scheduled ACH Monthly for 2017-03-01 Receivable (2081731) 123 2017-03-03 Reverse Put in 192 2304 03/03/2017 ACH Suspense (Break reversed - NSF Allocation) 124 2017-03-03 Revoke -1 92 03/03/2017 ACH Receivable reversed -NSF (n . 125 2017-03-03 Reverse NSF -1 92 03/03/2017 ACH Payment reversed - NSF 126 2017-03-03 2017-03-03 NSF Fee 15 NSF 03/03/2017 ACH reversed - NSF 127 2017-03-03 2017-03-01 Regular Monthly 192 195 03/03/2017 ACH Receivable reversed - NSF 1‘28 2017-03-14 2017-03-10 ACH Payment 192 ACH 131 Rerun ACH for 2017-03-10 (2108662) Page 6 of 9 129 2017-03-14 2017-03-01 Allocate To Monthly Receivable -1 92 21 12 130 Renm ACH for 2017-03-10 (2108662) T1 130 2017-03-14 Reverse Put in Suspense (Break Allocaon) 192‘ [2394‘ 03/14/2017 ACH reversed - NSF 131 2017-03-14 Reverse NSF Payment -1 92 03/14/2017 ACH reversed - NSF 132 2017-03-16 2017-03-16 Late Charge Fee IS LATE 194 Automated Fee Sweep 133 2017-03-21 2017-03-17 ACH Payment 192 ACH Rerun ACH for 2017-03-17 (2123185) -- ACHVendor=Nl A. Settlement] l)=21 231852123185-- 2017-03-21 2017-03-01 Allocate To Monthly Receivable -1 92 21 12 182 Rerun ACH for 2017-03-17 (2123185) - ACHVendoFN/ A. Settlement] l)=21 231852123185-- 135 2017-03-31 2017-04-01 Regular Monthly Receivable 192 193 Auto Receivable Sweep Create Monthly Receivable 136 2017-04-05 2017-04-01 ACH Payment 192 ACH Scheduled ACH for 2017-04-01 (2145314) .- ACHVendor=Nl A Sememen’uD=21 4531421453 1.4- 137 2017-04-05 2017-04-01 Allocate To Monthly Receivable -1 92 1920 181 Scheduled ACH for 2017-04-01 (2145314) -- ACHVendor=Nl A Sememen’uD=21 4531421453 14-- 138 2017-04-1 8 2017-04-14 ACH Payment 50 ACH Fee ACH for 2017-04-14 (21 87037) -- ACHVendor=Nl A. Settlement] l)=21 870372 187037- 139 2017-04-18 2017-01-05 Allocate To NSF Fee 180 Fee ACH for 2017-04-14 (21 87037) -- ACHVendor=Nl A. Settlement] l)=21 870372187037-- 140“ 2017-04-1 8 2017-02-03 Allocate To NSF Fee 179 Fee ACH for 2017-04-14 (21 87037) -- ACHVendor=Nl A. Settlement] l)=21 870372 187037- 141 2017-04-18 2017-03-03 Allocate To NSF Fee 178 Fee ACH for 2017-04-14 (21 87037) -- ACHVendor=Nl A. Settlement] l)=21 870372187037-- 142 201704-18 201703-16 Allocate To Late Fee -5 177 Fee ACH for 2017-04-14 (21 87037) - ACHVendor=Nl A. Settlement] l)=21 870372187037-- 143 2017-04-25 2017-04-21 ACH Payment 10 ACH 146 Fee ACH for 2017-04-21 (21981 95) 2017-04-25 2017-03-16 Allocate To Late Fee .10 145 Fee ACH for 2017-04-21 (2198195) 145 2017-04-25 Reverse Put in Suspense (Break Allocation) 10 04/25/2017 ACH reversed - NSF 2017-04-25 Reverse Payment Miss-Post .10 04/25/2017 ACH reversed - NSF 147 2017-04-30 2017-05-01 Regular Monthly Receivable 192 192 Auto Receivable Sweep Create Monthly Receivable 1'48 2017-05-03 2017-05-01 ACH Payment 192 ACH Scheduled ACH for 2017-05 -01 (2241493) -- ACHVendor=Nl A Sememiumzz 414932241493- 149 2017-05-03 2017-05-01 Allocate To Monthly Receivable -1 92 1728 176 Scheduled ACH for 2017-05 -01 (2241493) -- ACHVendor=Nl A Sememiumzz 414932241493-- Page 7 of 9 1:50“ 2017-05-16 2017-05-12 AcH Payment 10 ACH Fee ACH for 2017-05 -12 (2273039) -- ACHVendox=Nl A. SelemenD=22 730392273039- 151 2017-05-16 2017-03-16 Allocate To Late -10 175 Fee ACH for Fee 2017-05-12 (2273039) -- ACHVendm=Nl A. SelemenD=22 730392273039-- m‘ 201mm 201735.01 RegularMonthly 192: 156- Ame Receivable Receivable Sweep Create Monthly Receivable 153 2017-06-06 2017-06-01 ACH Payment 192 ACH 157 Scheduled ACH for 2017-06-01 (2326629) 1:54, 2017-06-06 2017-06-01 Allocate To -1 92 1536 155 Schemlled ACH Monthly for 2017-06-01 Receivable (2326629) 155 2017-06-06 Reverse Put in 192 1728 06/06/2017 ACH Suspense (Break reversed - NSF Allocation) 156' 2017d06-06' Revoke -192 06/06/2017 ACH Receivable reversed - NSF {n . 157 2017-06-06 Reverse NSF -1 92 06/06/2017 ACH Payment reversed - NSF 158 2017-06-06 2017-06-06 NSF Fee 15 NSF 06/06/2017 ACH reversed - NSF 159 2017-06-06 2017-06-01 Regular Monthly 192 191 06/06/2017 ACH Receivable reversed - NSF 160 2017-06-16 2017-06-16 Late Charge Fee 15 LATE 190 Automated Fee Sweep 161 2017-06-27 2017-06-23 ACH Payment 192 ACH 164 Request ACH2017-06-23 (2335529) 1162' 2017-06427 2017-06-01 Allocate To 492 1536‘ 163 Request Monthly ACH2017-06-23 Receivable (2335529) 163 2017-06-27 Reverse Put in 192 1728 06/27/2017 ACH Suspense (Break reversed - NSF Allocation) 164 2017-06427 Reverse NSF 4192‘ 06/27/2017 ACH Payment reversed - NSF 165 2017-06-30 2017-07-01 Regular Monthly 192 166 Auto Receivable Receivable Sweep Create Monthly Receivable $166 2017-07-03 Revoke 4592 l Rerun ACH for Receivable 2017-06-29 r“ ' (2360619) 167 2017-07-03 2017-06-29 ACH Payment 192 ACH 172 Rerun ACH for 2017-06-29 (23606 19) 168 2017-07-03 2017d06-01 Allocate To -192 .1536 170 Rerun ACH for Monthly 2017-06-29 Receivable (2360619) 169 2017-07-03 2017-07-01 Regular Monthly 192 171 Rerun ACH for Receivable 2017-06-29 (23606 19) 1701 2017-07-03 Reverse Put in 192 .1728 07/03/2017 ACH Suspense (Break reversed - NSF Allocation) 171 2017-07-03 Revoke -1 92 07/03/2017 ACH Receivable reversed - NSF {n . 172 2017-07-03 Reverse NSF -1'92 07/03/2017 ACH Payment reversed - NSF 173 2017-07-03 2017-07-03 NSF Fee 15 NSF 07/03/2017 ACH reversed - NSF 174 2017-07-03 2017-07-01 Regular Monthly 192 189 07/03/2017 ACH Receivable reversed - NSF 175 2017-07-03 Reverse Put in 10 roll back Suspense (Break modication Allocation) 176 2017-07-03 Reverse Put in 192 1920 roll bmk Suspense (Break modication Allocation) 177 2017-07-03 Reverse Put in 5 roll back Suspense (Break modication Allocation) 17‘s 2017-0763 Reverse Putin 1:5 rollback Suspense (Break modication Allocation) 179 2017-07-03 Reverse Put in 15 roll back Suspense (Break modication Allocation) 1w 2017-07-03 Reverse Pm in 1's roll back Suspense (Break modication Allocation) 181 2017-07-03 Reverse Put in 192 21 12 roll back Suspense (Break modication Allocation) 1282 2017-07-03 Reverse Putin 192 2304 roubw‘lc i. s _ 7‘Suspense (BreakA n - Page 8 of 9 183 2017-07-03 Reverse Put in 192 2496 roll back Suspense (Break modicaon Allocaon) 18a 2017-07433 Reverse Put in 192 2588 roll back Suspense (Break modicaon Allocaon) 185 2017-07-03 Reverse Put in 15 roll back Suspense (Break modicaon Allocaon) 186 201767-03 Reverse Put in 192 2880 roll back Suspense (Break modicadn, Allocaon) 187 2017-07-03 Reverse Put in 7.95 roll back Suspense (Break modicaon Allocaon) 188 201767-03 Reverse Put in 192 3072 roll back Suspense (Break modicadn, Allocaon) 189 2017-07-03 Revoke -1 92 roll back Receivable modicaon {n . 190 2017-07-03 Revoke ~15 roll bmk Receivable modicaon r“ . 191 2017-07-03 Revoke -1 92 roll back Receivable modicaon {n . 192“ 2017-0703 Revoke 492‘ rollback Receivable modication {n . 193 2017-07-03 Revoke -1 92 roll back Receivable modicaon {n . 194 2017-0703 Revoke :15 rollback Receivable modication {n . 195 2017-07-03 Revoke -1 92 roll back Receivable modicaon {n . 1’96- 2017-07-03 Revoke .192 roll back Receivable modicaon (n . 197 2017-07-03 Revoke -1 92 roll back Receivable modicaon {n . 1598 2017-60748 Revoke -192 mll back Receivable modicaen {n . 199 2017-07-03 Revoke -1 92 roll back Receivable modicaon {n . 200 201707-03 Revoke Change -505.18 2566.82 roll back Terms modicaon (Roleback) 201 2017-07-03 Un-reduce 15 roll back Receivable modicaon 202 2017-07-03 2016-1 1-25 Allocate To Misc -7.95 roll back Fee modicaon 203 2017-07-03 2016-1 1-01 Regular Monthly 5.69 288.77 roll back Receivable modicaon 204 2017-07-03 2016-1 1-1 6 Late Charge Fee 1*5 LATE roll back modican'on 205 2017-07-03 2016-1 1-01 Allocate To -1 92 roll back Monthly modication Receivable 206 2017-07d03 2016-12-01 Regular Monthly 6.33 288.13 rollback V Receivable modication 207 2017-07-03 2016-11-01 Allocate To -5.69 -96.77 2561.13 roll back Monthly modication Receivable 208 2017d07-03 2016-12-01 Allocate To -104.54 roll back Monthly modication Receivable 209 2017-07-03 2016-12-1 6 Late Charge Fee 15 LATE roll back modication 210 2017-07-03 2017-01-01 Regu arMonthly 7.04 287.42 roll back Receivable modication 211 2017-07-03 2016-12-01 Allocate To -6.33 -183.59 2554.8 roll back Monthly modication Receivable 212 2017-07-03 2017-01-01 Allocate To -2.08 roll back Monthly modication Receivable 213 2017-07-03 2017-01-1 6 Late Charge Fee 15 LATE roll back modication 214 2017-07-03 2017-02-01 Regular Monthly 7.84 286.62 roll back Receivable modication 215 2017-07-03 2017-01-01 Allocate To -192 roll back Monthly modication Receivable 216‘ 2017-07-03 2017-02-1 6 Late Charge Fee 15 LATE roll back modication 217 2017-07-03 2017-03-01 Regular Monthly 8.72 285.74 roll back Receivable modication 218 2017-07-03 2017-03-1 6 Late Charge Fee 15 LATE roll baCk modication. 219 2017-07-03 2017-01-01 Allocate To -7.04 -93.34 2547.76 roll back Monthly modication Receivable Page 9 of 9 220 2017-07-03 2017-02-01 Allocate To -91.62 roll back Monthly modicaon Receivable 221 2017-07-03 2017-04-01 Regula: Monthly 9.7 284.76 roll back Receivable modicaon 222 2017-07-03 2017-02-01 Allocate To -1 92 roll back Monthly modication Receivable 223 2017-07-03 2017-02-01 Allocate To -7.84 -3 2539.92 roll back Monthly modication Receivable 224 2017-07-03 2017-03-01 Allocate To -39.16 roll back Monthly modication Receivable 225 2017-07-03 2017-04-1 6 Late Chaxge Fee 15 LATE roll back modication 226 2017-07-03 2017-05-01 Regula: Monthly 10.79 283.67 roll back Receivable modication 227 2017-07-03 2017-03-01 Allocate To -1 92 roll back Monthly modication Receivable 228 2017-07-03 2017-03-01 Allocate To -10 roll back Monthly modication Receivable 229 2017-07-03 2017-05-1 6 Late Chaxge Fee 15 LATE roll back modication 230 2017-07-03 2017-06-01 Regula: Monthly 12.01 282.45 roll back Receivable modication 231 2017-07-03 2017-06-16 Late Chaxge Fee 15 LATE roll back modication 232 2017-07-03 2017-07-01 Regula: Monthly 13.36 281.1 233 roll back Receivable modication 233 2017-07-03 Revoke -1 3.36 -281.1 Charge Off Receivable {n . 234 2017-07-03 2017-06-30 Charge-Off -2539.92 -895.46 -210 Charge OffP ‘ . A J 235 2017-07-03 2017-07-01 Regula: Monthly 13.36 281.1 Charge Off Receivable 236 2017-07-31 2017-08-01 Regu arMonthly 14.86 279.6 Auto Receivable Receivable Sweep Create Monthly Receivable 237 2017-08-31 2017-09-01 Regular Monthly 16.53 277.93 Auto Receivable Receivable Sweep Create Monthly Receivable KOOONQUILWNu-t NNNNNNNNNHHh-b-Hb-b-h-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO Christopher D. Mandarich SB 220693 Ajay Sood SB325294 Electmnically Hayk Stambultsyan SB320973 Martin Weingarten SB 201906 bySuperlurCmrtnfC-allfmnla.Cmtynffianhflaten MANDARICH LAW GROUP, LLP fl“ 10/22/2021 P.O. Box 109032 Chicago, IL 60610 By 877.285.4918 “mu“ Facsimile: 818.888. 1260 Attorneysfor Plaintifl: Velocity Investments, LLC SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED Velocity Investments, LLC, Case N0. 21 _C|_J_05757 Plaintiff, VS FILE BY FAX COMPLAINT FOR: 1. BREACH OF CONTRACT Joanne cardona, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant DEMAND: $1,859.88 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1. Plaintiff is and at all times herein mentioned, Velocity Investments, LLC, and successor in interest to original creditor, WebBank. 2. Plaintiff is the only entity that purchased the debt after charge-off and its name and address is as follows: Velocity Investments, LLC; 1800 Route 34N Suite 404A , Wall NJ 07719. 3. Plaintiff is a debt buyer, and is the sole owner of the debt at issue. 4. The charge-off creditor at the time 0f charge-off is CONSUMER LOAN UNDERLYING BOND (CLUB) GRANTOR TRUST 2018-P3(SERVICED BY LENDING CLUB), 71 STEVENSON ST SUITE 1000, SAN FRANCISCO, CA 94105, and the account number associated With this debt is XXXXX8866. 5. Plaintiff is informed and believes that Defendant are individuals who currently reside within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the proper Court for trial 0f this action. Exhibit "87"COMPLAINT-l 0f 5 KOOONONUILWNr-t NNNNNNNNNHh-h-b-Hb-h-th-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO 6. The name and last known address of the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0f the debt is Joanne cardona , 217 A STREET , S SAN FRAN, CA 9408. 7. Plaintiff is unaware of the true names or capacities, Whether individual, corporate, associate or otherwise ofthe Defendant sued herein as DOES 1 through 10 inclusive, and therefore, sued the Defendant by such fictitious names. PlaintiffWill amend this Complaint to show their true names and capacities once ascertained. 8. Plaintiff believes and at all times mentioned herein, each 0f the Defendant was, and is, the agent, servant and employee, employer of each of the other Defendant, and also acted in the capacity 0f and as agent of the other Defendant. Plaintiff also believes that the individual Defendant, and each 0f them, are jointly and severally liable that the actions described herein were taken as actions for the benefit of the Defendant's separate and/or community property. 9. Plaintiff believes that, for value received, Defendant and each 0f them, executed and delivered a credit application to the original creditor, WebBank 0r made such application over the telephone 0r Internet. Pursuant t0 the aforementioned application, WebBank provided Defendant With a credit account, and granted use privileges on the same, account number XXXXX8866 (hereinafter “Account”). 10. Prior t0 the commencement of this action, the Account was assigned for value to the Plaintiff and Plaintiff is its current holder. 11. Defendant agreed to comply With the terms governing the use of the Account, as it was amended from time to time, including repaying WebBank and any successors in interest, for any charges on the Account including, but not limited t0, charges for purchase of goods and service and/or cash advances and balance transfers along with late charges, over limits charges related thereto. 12. Defendant used the Account t0 make purchases and/or to take cash advances and/or to make balance transfers. Each time the Defendant used the Account t0 purchase goods and services and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement t0 COMPLAINT-2 0f 5 KOOOVONUILUJNr-t NNNNNNNNNh-h-kb-Ab-Ab-b-h-HHH OONQUl-PUJNF-‘OKOOONONKII-PUJNF-‘O repay WebBank and its successors in interest for the amount 0f the purchase and/or cash advances and/or balance transfers, along with such other charges as may be assessed pursuant t0 the terms governing the Account. 13. The date of last payment 0n the subject account was on May 29, 2020. 14. Within the last four years, the Defendant failed to make payments as agreed on the Account. Defendant has failed, refused and neglected to pay amounts due 0n the Account. 15. The debt balance at charge-offwas $ 1 ,859.88, and upon information and belief there is $0.00 in post charge off fees and there is $0.00 in post charge off interest. 16. Subsequent t0 charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $1,859.88. 17. Although demand has been made upon said Defendant t0 pay said amount, n0 part has been paid, and it is now due and owing. 18. Upon information and belief, WebBank and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 19. Plaintiff has complied With California Civil Code Section 1788.52. 20. Plaintiff has attached hereto as Exhibit A and incorporated herein by reference a copy of Billing Statement and/or Loan File provided to the Defendant while the account was active, demonstrating that the debt was incurred by the Defendant. 21. Plaintiff has attached hereto as Exhibit B and incorporated herein by reference a copy of the Final Billing Statement and/or Transaction History. 22. Upon opening the Account with WebBank, the Defendant agrees to reimburse WebBank, and hence Plaintiff as successor in interest for the costs related to the collection 0f amounts owing 0n the Account. Plaintiff has been required t0 retain Mandarich Law Group, LLP t0 pursue collection 0f the amount due hereunder. FIRST CAUSE OF ACTION (Breach 0f Contract) 23. Plaintiff refers to and incorporates paragraphs 1 through 22. COMPLAINT-3 0f 5 \OOOflQUl-RUJNH NNNNNNNNNHr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNh-‘OKOOOQQUl-bUJNF-‘O 24. WebBank extended a credit loan to the Defendant. 25. Defendant accepted the terms and conditions 0f the Account by Defendant use 0f the Account t0 make purchases and/or t0 take cash advances and/or t0 make balance transfers. 26. Defendant have breached the terms and conditions governing the Account by failing to pay amounts due and owing on the Account. 27. As a direct and proximate result thereof, Plaintiff has been damaged in the amount of $ 1 ,859.88. SECOND CAUSE OF ACTION (Open Book Account) 28. Plaintiff refers to and incorporates paragraphs 1 through 27. 29. Within the past 4 years, Defendant and each 0fthem became indebted in the amount 0f the previously mentioned herein for a balance due 0n a book account for goods sold and delivered and/or services rendered by WebBank. Although demand has been made upon Defendant, said amount 0f $1,859.88 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 0f 5 KOOONONUI-bUJNr-t NNNNNNNNNHh-kb-Ab-Ab-b-h-h-Hb-t OONQMJ>WN~O©OONONM$UJNHO WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $1,859.88, 2. For reasonable attorneys fees pursuant to statute; 3. For costs of suit incurred; and 4. For such other and further relief as the Court deems just and proper. 5. Plaintiff remits all damages in excess of the jurisdictional amount 0f this Court. Dated: 10/19/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-5 0f 5 Qflx/M X]Christopher D. Mandarich, Esq. Attorneysfor Plaintifl EXHIBIT A This is a copy of an authoritative document Borrower Agreement (January 2018) The following Borrower Agreement ("Agreement") is between you ("you" and "your" mean each and every borrower, including any joint applicant/co-borrower) and WebBank, a Utah-chartered industrial bank ("we," or "us"). This Agreement governs the process by which you may make a request or requests for a loan from us through the website Lendingclub.com, including any subdomains thereof, or other application channels offered by us (collectively, the "Site") and operated by LendingCIub Corporation ("LendingCIub"). Ifyou make a loan request, and ifthat request results in a loan that is approved and issued by us, then your loan will be governed by the terms ofthe Loan Agreement and Promissory Note, which is attached to this Agreement as ExhibitA, and as it may be revised from time to time. The version in effect when you make a loan request will apply to any loan made in response to that request, and any secondary loan would be governed by the terms ofthe documentthen in effect. This Agreementwill remain in effect for the applicable loan, and will terminate ifyour loan request is cancelled, withdrawn, or d-' ESE TERMS. facilitated through the Site. When you make a request, you agree ~ > r ' ' ‘ ' request, subject to your right to cancel the request before closing as u --scrib ' ay the money provided by us to you and to abide by the terms ofthis Agreement, the Loan Agreement and Promissory Note, and all other agreements or disclosures provided to you during the loan process and which may be found in your LendingCIub account. Any dispute with us, LendingCIub or any subsequent holder ofthe Loan Agreement and Promissory Note will be resolved by binding arbitration, subject to your right to opt out as set forth below. Each loan request is subject to our credit criteria in effect at the time ofyour loan request. v In your a . acknowledge that an Investor's commitment to invest in all or a portion ofyour loan does not confer any rights to you or obligate us to issue your loan. You understand that Investors make their own decisions whether to invest in your loan. Finally, LendingCIub may also choose to invest in all or part ofyour loan request, but is not obligated to do so. We may elect in our sole discretion to give you a partial funding option, if necessary, which means your loan will be issued if it receives commitments t : ' g less than - r-d l- ' - ' ' ' ' requested am - fourteen (14) days, subject t0 investor interest. It may take up to forty-five (45) days to process and issue your loan. If at any point, you no longer want a loan under your pending loan request, you must notify us in writing ofyour election to terminate your loan request sufficiently far in advance ofthe loan closing for us to cancel the loan. 4. Loan Terms. Your loan will have a principal balance in the amount set forth in the Truth in Lending disclosure and Loan Agreement and Promissory Note, each ofwhich is provided to you and placed into the on-Iine accountyou established upon registration. You agree and acknowledge that the initial loan disclosures made t0 you are estimates and are subject to change based on the actual, initial principal balance ofthe loan issued and your selected payment option (check or Automated Clearing House ("ACH")). Opting to pay by check will result in a processing fee that will increase your APR. AII loans are unsecured, fuIIy-amortizing, closed-end loans for the term stated in your Truth in Lending disclosure and Loan Agreement and Promissory Note. Your obligations, including your obligation to repay principal and interest, are set forth in the Loan Agreement and Promissory Note. Other fees and terms ofthe loan will also be set forth in the Loan Agreement and Promissory Note. 5. Credit Decisions. Ifyou make a loan request, you must fully complete the application on the Site. You do not need to disclose alimony, child support or separate maintenance income ifyou do not wish to have it considered as a basis for repaying a loan. You agree and acknowledge that we may verify any information you submit either by asking for true and complete copies 0f necessary documentation, by information provided through a third party, or by other proof. Additionally, by proceeding with the application, you consent to our use of any information provided by you or provided through any third party, for any lawful purpose, including but not limited to identity verification, fraud prevention and credit underwriting. Failure to timely provide information can result in your loan application being incomplete and closed by The authoritative document is maintained by LendingCIub Corporation and this copy was created Jan 26 2020 13:1 6:1 3 This is a copy of an authoritative document us. Furthermore, we may terminate consideration ofyour application at any time in our sole discretion. 6. Limited Power of Attorney Grant; Loan Request Cancellation & Closing. As a condition to receiving a loan from us, you hereby grant to LendingClub a limited power ofattorney and appoint them and/or their designees as your true and lawful attorney-in-fact and agent, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to complete and execute the Loan Agreement and Promissory Note(s) in the form attached as Exhibit Athat reflect- the accepted terms set forth in each ofyour final Truth in Lending Disclosure(s) as such may be posted from time t0 time in response to your loan request(s) in the on-Iine account you have established with LendingCIub where documents are stored and with full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such power as fully to all intents and purposes as you might or could do in person ("Power ofAttorney" ). This Power ofAttorney is limited solely to the purpose described above and will expire automatically upon the termination ofthis Borrower Agreement. You may revoke this Power of Attorney by contacting us atsu.pgort@lendingclub com or calling 888-596-3157 and closing your account with us; provided however, if a loan request has been approved you must provide such notice before the loan proceeds are transferred to your Designated Account and before the Loan Agreement an issory Note is signed by a rvalid and binding S ction 6 for purposes of receiving a loan from us. _\ Ifyou choose to revoke this Power ofAttorney prior to execution, we will be unable to proceed with your loan request and your pending loan request will be considered withdrawn, your account closed, and you may be prohibited from posting additional qualifying loan requests in the future in our discretion. You may cancel your application without any fee or penalty prior to funding ofthe loan as long as you provide us with sufficient advance R A' TC HIS UNDERSTANDING IN UNDERTAKING THE POTENTIAL ISSUANCE OF YOUR LOAN. YOU MAY CANCELTHE LOAN AGREEMENT AND PROMISSORY NOTE AT ANY TIME BEFORE MIDNIGHT OF THE THIRD DAY AFI'ER THE LOAN HAS FUNDED. IF YOU DECIDE TO CANCEL, ALL LOAN PROCEEDS, LESS THE ORIGINATION FEE, WILL BE WITHDRAWN FROM YOUR ACCOUNT IN THE NEXT 5-7 BUSINESS DAYS. IF LENDINGCLUB CAN'T WITHDRAW THE FULL AMOUNT FROM YOUR BANK ACCOUNT, YOU' LL STILL BE RESPONSIBLE FOR PERFORMANCE OF ALLOBLIGATIONS UNDER THE BORROWER AGREEMENT, PRINCIPAL OF SUPPORT@L ("DIRECTED ‘ _[|'HES UNDS. LENDINGCLUB WILLATTEMPT TO WITHDRAW AN AMOUNT EQUALTO YOUR LOAN PROCEEDS LESS THE ORIGINATION FEE WITHIN 5-7 DAYS FOLLOWING YOUR REQUEST TO CANCEL. IF LENDINGCLUB IS UNABLE TO WITHDRAW SUCH AMOUNT, YOU WILL REMAIN RESPONSIBLE FOR PERFORMANCE OF ALLOBLIGATIONS UNDER THE BORROWER AGREEMENT, LOAN AGREEMENT AND PROMISSORY NOTE. 8. Military Lending Act. Federal law provides important protections to members ofthe Armed Forces and their dependents relating t0 extensions ofconsumer credit. In general, the cost ofconsumer credit to a member ofthe Armed Forces and his or her dependent may not exceed an annual percentage rate of36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions 0r accounts); and any participation fee charged (other than certain participation fees for a credit card account). Federal law requires that you receive a clear description ofyour required payments. Please review the disclosures and your credit agreement carefully to understand your payment obligations. To hear these disclosures over the telephone, call the following toII-free number (844) 538-6754. 9. Servicing by LendingClub. You acknowledge and agree that LendingClub may provide services t0 us in connection with evaluating your loan requests, and all other aspects ofyour relationship with us. LendingClub will also act as the servicer of any loan that you obtain. LendingClub may delegate servicing to another entity in its sole discretion without notice. 10. Other Borrower Agreements; Use of Loan Proceeds. You agree that you (A) are a US citizen, permanent resident or non- permanent resident alien in the United States on a valid long term visa; (B) will not, in connection with your loan request: (i) make any false, The authoritative document is maintained by LendingClub Corporation and this copy was created Jan 26 2020 13:1 6:1 3 This is a copy of an authoritative document misleading or deceptive statements or omissions offact in your listing, including but not limited to your loan description; (ii) misrepresent your identity, or describe, present or portray yourselfas a person other than yourself; (iii) give to or receive from, or offer or agree to give to or receive from any LendingCIub member or other person any fee, bonus, additional interest, kickback or thing ofvalue of any kind except in accordance with the terms ofyour loan; (iv) represent yourselfto any person, as a representative, employee, or agent of ours, 0r purport to speak to any person on our behalf: (v) use any ofthe loan proceeds to fund any post-secondary educational expenses, including, but not limited to, tuition, fees, books, supplies, miscellaneous expenses, or room and board; or (vi) use any ofthe loan proceeds to fund any illegal activity 0r any other activity 0r use not otherwise allowed under this Agreement or the Site; (vii) use any ofthe loan proceeds for the purpose of purchasing or carrying any securities; (viii) use any ofthe loan proceeds for the purpose ofinvesting, trading, or speculating in any currencies, including without limitation cryptocurrencies or digital currencies or any futures or derivatives thereof: or (ix) use the Site to request or obtain a loan for someone other than yourself; and (C) that you have all necessary consents, permissions, acknowledgements or agreements from all joint applicants/co-borrowers and we may rely upon this agreement without any investigation or verification. You further acknowledge and agree that we may rely without independent verification on the accuracy, authenticity, and completeness of all information you provide to us. To the extent that we determine, in our sole discretion, thatyour loan request violates this Agreement the Terms of Use or any other agreement entered into with us 0r LendingCIub we ma terminate our loan re-uest and cancel this Agreement immediately. 11. Liability of the Borro under this Agreement and borrower. The joint applican Promissory Note and any othe joint applicant/co-borrower ofthe obligations ofthe primary he Loan Agreement and We and our successors and assigns have sole discretion t0 proceed, at any time, against any party responsible under this Agreement. Further, we can accept instructions from either you or the joint applicant/co-borrower, and notice can be given to either you or the joint applicant/co-borrower, and shall be binding on both and deemed received by all parties. 12. TCPAConsent & Privacy. Notwithstanding any current or prior election to opt in or opt out of receiving telemarketing calls or SMS messages (including text messages) from us, our agents, representatives, affiliates, or anyone calling on our behalf, you expressly consent E You consent to receive SMS messages (including text messages), calls and messages (including prerecorded and artificial voice and autodialed) from us, our agents, representatives, affiliates or anyone calling on our behalfat the specific number(s) you have provided t0 us, or numbers we can reasonably associate with your account (through skip trace, caller ID capture or other means), with information or questions about your application, loan and/or account. You certify, warrant and represent that the telephone numbers thatyou have provided to us . e your contact n no rs. You re - -ntt . -d to - -ive." ch het m- s you have ‘ , » , »; Iepho er. you c arry. You a ay contact you by 0rd phone calls cord calls for 13. Assignment; Registration of Note Owners, Termination. We may assign this Agreement and the Loan Agreement and Promissory Note, or any ofour rights under this Agreement or the Loan Agreement and Promissory Note, in whole or in part at any time. You further understand, acknowledge and agree that LendingCIub or another third party may further sell, assign or transfer your Loan Agreement and Promissory Note and all associated documents and information related t0 the and the Loan Agreement and Promissory Note without your consent or notice to you (subject to the registration requirement below). You may not assign, transfer, sublicense or otherwise delegate your rights or obligations under this Agreement to another person without our prior written consent. Any such assignment, transfer, sublicense 0r delegation in violation ofthis section 13 shall be null and void. You hereby appoint LendingCIub as your agent (in such capacity, the "Note Registrar") for the purpose 0f maintaining a book-entry system (the “Register") for recording the names and addresses ofany owner ofbeneficial interests in this Note (the "Note Owners") and the principal amounts and interest on this Note owing to each pursuant to the terms hereoffrom time to time. The person or persons identified as the Note Owners in the Register shall be treated as the owner(s) ofthis Note for purposes ofreceiving payment ofprincipal and interest on such Note and for all other purposes. With respect to any transfer by a Note Owner of its beneficial interest in this Note, the right to payment of principal and interest on this Note shall not be effective until the transfer is recorded in the Register. We may terminate this Agreement and your ability to make loan requests at any time. Ifyou committed fraud or made a misrepresentation in connection with your registration on the Site or any application or request for a loan, performed any prohibited activity, or otherwise failed to abide by the terms ofthis Agreement, we will have all remedies authorized or permitted by this Agreement and applicable law. The authoritative document is maintained by LendingClub Corporation and this copy was created Jan 26 2020 13:1 6:1 3 This is a copy of an authoritative document 14. Entire Agreement. This Agreement, and any Loan Agreement and Promissory Note that may be agreed for a loan, represent the entire agreement between you and us regarding the subject matter hereofand supersede all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between us with respect to your loan request and loan. The WebBank Privacy Notice attached as Exhibit B is incorporated by reference into this Agreement. 15. Electronic Transactions. THIS AGREEMENT IS FULLY SUBJECT TO YOUR CONSENT TO ELECT RONIC TRANSACTIONS AND DISCLOSURES, WHICH CONSENT IS SET FORTH IN THE TERMS OF USE FOR THE SITE. 16. Notices. All notices and other communications to you hereunder may be given by email to your registered email address or posted on your Account Summary 0n the Site, and shall be deemed t0 have been duly given and effective upon transmission. You acknowledge that you have control of such email account and your Account Summary on the Site and that communications from us may contain sensitive, confidential, and collectionsrelated communications. Ifyour registered email address changes, you must notify LendingClub ofthe change by sending an email to support@lendingclub.com or calling 888-596-3157. You also agree to update your registered residence address and telephone number on the Site ifthey change. : g Exp- t ' ‘ ' . @TATIONS OR A- LITY OR FITNESS FOR A 18. LIMITATION ON LIABILI K NO - . ' A TS OR SPECIAL, EXEMPLARY, CONSEQUENTIALOR PUNITIVE I ‘ u G " GES. FURTHERMORE, WE MAKE NO REPRESENTATION OR WARRANTY TO YOU REGARDING THE EFFECT THAT THE AGREEMENT MAY HAVE UPON YOUR FOREIGN, FEDERAL, STATE OR LOCALTAX LIABILITY. 17. N0 WARRANTIES. EX WARRANTIES TO YOU, IN PARTICULAR PURPOSE. 19. Choice of Law. We are located in the state ofUtah and this Agreement is entered into in the state ofUtah. The provisions ofthis Agreement will be governed by federal laws and the laws ofthe state 0f Utah t0 the extent not preempted, without regard to any principle 0f -- i- ur pe u' the apl' .tion oft - impair the enforceability ofany other provisions ofthis Agreement. The headings in this Agreement are for reference purposes only and shall not affect the interpretation ofthis Agreement in any way. 21. Arbitration. RESOLUTION OF DISPUT ES: YOU HAVE READ THIS PROVISION CAREFULLY AND UNDERSTAND THAT |T LIMITS YOUR RIGHTS IN THE EVENT OF A DISPUTE BETWEEN YOU AND US. YOU UNDERSTAND THAT YOU HAVE THE RIGHT TO REJECT opt out as . dispute, or controversy involving you (or persons claiming through or connected with you), on the one hand, and us and/or any subsequent holder (or persons claiming through or connected with us and/or the subsequent holders), on the other hand, relating to or arising out ofthis Agreement, any Loan Agreement and Promissory Note(s), the Site, and/or the activities or relationships that involve, lead to, or result from any ofthe foregoing, including (except to the extent provided otherwise in the last sentence of section 21(f) below) the validity or enforceability ofthis Arbitration Provision, any part thereof, or the entire Agreement. Claims are subject to arbitration regardless ofwhether they arise from contract; tort (intentional or otherwise); a constitution, statute, common law, or principles of equity; or otherwise. Claims include matters arising as initial claims, counterclaims, cross-claims, third-party claims, or othenNise. The scope ofthis Arbitration Provision is to be given the broadest possible interpretation that is enforceable. b. You may opt out ofthis Arbitration Provision for all purposes by sending an arbitration opt out notice to WebBank, c/o LendingClub Corporation, 71 Stevenson St., Suite 1000, San Francisco CA, 94105, Attention: Legal Department, which is received at the specified address within 30 days of the date of your electronic acceptance of the terms of this Agreement. The opt out notice must clearly state thatyou are rejecting arbitration; identify the Agreement to which it applies by date; provide your name, address, and social security number; and be signed by you. You may send an opt out notice in any manner you see fit as long as it is received atthe specified address within the specified time. N0 other methods can be used to opt out ofthis Arbitration Provision. Ifthe opt out notice is sent on your behalf by a third party, such third party must include evidence of his or her authority to submit the opt out notice on your behalf. c. If a Claim arises, our goal is to learn about and address your concerns and, ifwe are unable to do so to your satisfaction, to provide you with a neutral and cost effective means of resolving the dispute quickly. You agree that before filing any claim in arbitration, you may submit The authoritative document is maintained by LendingClub Corporation and this copy was created Jan 26 2020 13:1 6:1 3 This is a copy of an authoritative document Claims by sending an email to customeradvocacy@lendingclub.com at any time, or by calling (888) 596-3157 from Mon-Fri 6:00 AM to 5:00 PM PT and Sat 8:00 AM to 5:00 PM PT. The party initiating arbitration shall do so with the American Arbitration Association (the "AAA") or Judicial Alternatives and Mediation Services ("JAMS"). The arbitration shall be conducted according to, and the location 0fthe arbitration shall be determined in accordance with, the rules and policies 0fthe administrator selected, except to the extent the rules conflict with this Arbitration Provision or any countervailing law. Ifyou have any questions concerning the AAAor would like to obtain a copy 0fthe AAAarbitration rules, you may call 1(800) 778-7879 or visit the AAA’s web site at: www.adr.org. Ifyou have any questions concerning JAMS or would like to obtain a copy 0fthe JAMS arbitration rules, you may call 1(800) 352-5267 0r visit their web site at: www.jamsadr.com. In the case of a conflict between the rules and policies 0fthe administrator and this Arbitration Provision, this Arbitration Provision shall control, subject to countervailing law, unless all parties to the arbitration consent to have the rules and policies 0fthe administrator apply. d. lfwe (or the subsequent holder) elect arbitration, we (or the subsequent holder as the case may be) shall pay all the administrator’s filing costs and administrative fees (other than hearing fees). Ifyou elect arbitration filing costs and administrative fees (other than hearing fees) shall be paid in accorda . " or applicable law require 0th " ‘ - gree (or the subsequent holder agrees) to do so. Each party ~ v ‘ ‘ , ' ued by law. If a statute gives you the right to recover any ofthese ‘ - ‘ ' . ' ' ' ' ' nything to the contrary herein. e. Within 3O days of a fInaI award by the arbitrator, any party may appeal the award for reconsideration by a three-arbitrator panel selected according to the rules 0fthe arbitrator administrator. In the event of such an appeal, any opposing party may cross-appeal within 30 days after notice 0fthe appeal. The panel will reconsider de novo all aspects 0fthe initial award that are appealed. Costs and conduct ofany appeal shall be governed by this Arbitration Provision and the administrator's rules, in the same way as the initial arbitration proceeding. Any award by the individual arbitrator that is not subject to appeal, and any panel award on appeal, shall be final and binding, except for any REPRESENTATIVE, OR COLLECTIVE ACTIONS IN ACOURT. Unless consented to in writing by all parties to the arbitration, no party to {he arbitration may join, consolidate, or otherwise bring claims for or on behalf oftwo or more individuals or unrelated corporate entities in the same arbitration unless those persons are parties t0 a single transaction. Unless consented to in writing by all parties to the arbitration, an award in arbitration shall determine the rights and obligations 0fthe named parties only, and only with respect to the claims in arbitration, and shall not (a) determine the rights obligations or interests ofanyone other than a named party, or resolve any Claim of anyone other than a named - shall have the arbitration deci ' exclusively by . award damages or other types of reliefpermitted by applicable substantive law, subject to the limitations set forth in this Arbitration Provision. The arbitrator will not be bound by judicial rules of procedure and evidence thatwould apply in a court. The arbitrator shall take steps to reasonably protect confidential information. h. This Arbitration Provision shall survive (i) suspension, termination, revocation, closure, or amendments to this Agreement and the relationship 0fthe parties and/or LendingCIub; (ii) the bankruptcy or insolvency of any party or other person; and (iii) any transfer of any loan or Loan Agreement or Promissory Note(s) or any other promissory note(s) which you owe, or any amounts owed on such loans or notes, to any other person or entity. Ifany portion ofthis Arbitration Provision other than section 21(f) is deemed invalid 0r unenforceable, the remaining portions ofthis Arbitration Provision shall nevertheless remain valid and in force. lfan arbitration is brought on a class, representative, or collective basis, and the limitations on such proceedings in section 21(f) are finally adjudicated pursuant to the last sentence ofsection 21(f) to be unenforceable, then no arbitration shall be had. In no event shall any invalidation be deemed to authorize an arbitrator to determine Claims or make awards beyond those authorized in this Arbitration Provision. THE PARTIES ACKNOWLEDGE THAT THEY HAVE A RIGHT TO LITIGATE CLAIMS THROUGH ACOURT BEFORE AJUDGE OR JURY, BUT WILL NOT HAVE THAT RIGHT IF ANY PARTY ELECTS ARBITRATION PURSUANT TO THIS ARBIT RATION PROVISION. THE PARTIES HEREBY KNOWINGLY AND VOLUNTARILY WAIVE THEIR RIGHTS TO LITIGATE SUCH CLAIMS IN ACOURT BEFORE AJUDGE OR JURY UPON ELECTION OF ARBITRATION BY ANY PARTY. Exhibit A LOAN AGREEMENT AND PROMISSORY NOTE The authoritative document is maintained by LendingCIub Corporation and this copy was created Jan 26 2020 13:1 6:1 3 This is a copy of an authoritative document Borrower Member ID: Joint Applicant/Co-Borrower Member ID: $ , 20_ For value received, | (referred to herein as "Borrower" which for purposes ofthis Loan Agreement and Promissory Note (the "Note") includes all parties obligated hereunder, including anyjoint applicant/co-borrower) promise to pay to the order ofWebBank or any subsequent holder (“you" or "Lender") ofthis Note the principal sum of ($ ) Dollars with interest as set forth below. Borrower intends to be legally bound by this Note. Borrower has read, understood, and agreed to all ofthe terms ofthis Note. Interest Rate. This Note bears interest during each calendar month from the date hereof until paid in full, at a fixed rate of (%) per annum. Interest Calculation Method. long, regardless ifa month extent permitted by applicao ich is 30 days (or 30/360) ment of principal and, to the . calculated above. Payments. Principal and intere = following manner: Payments ofprincipal and interest in the amount of 1 ($ ) Dollars are to be made by the Borrower to the Lender commencing , 20_, and on the same day ofeach successive month thereafter until , 20_, when the full amount of unpaid principal, together with unpaid accrued interest is due and payable. Ifthe monthly anniversary is on the 29th, 30th, or 3lst ofthe month, and the following month does not have a 29th, 30th, or 3lst day, the monthly payment will be due on the last day ofthe month in j which the payment was due. Borrower may make loan payments either by check, subject to any applicable check processing fee, or Borrower may authorize any Lender to debit Borrower's designated account by ACH transfer each month. The debit amount may be a range of payments, which would include your monthly principal and interest, and fees, if any. Borrower is responsible for ensuring that all names, account, routing or other similar information provided by Borrower to Lender for accounts that Borrower is directing Lender to deliver loan proceeds to ("Directed Accounts") are accurate and complete. Borrower agrees to hold Lender and LendingCIub harmless for any alleged or actual loss, claim, fee or other ‘ ' ' ~ - ‘ s the result . Borrower ss ofthe at is not fy our obligation ofloan procee c- . ' - ' ' '-= .- ' .: : heloan and not upon the actual receipt 0f proceeds by Borrower or any other designated third party. Ifwe are unable to deliver any portion ofthe loan proceeds to the Directed Account(s) or Borrower's designated bank account after l4 days from the initial delivery attempt, the loan will be canceled and only in this circumstance will Borrower not owe any interest on the loan. For avoidance ofdoubt, if partial loan proceeds (any amount above $0) are delivered to the Directed Account(s) or Borrower's designated bank account, then the loan will not be canceled. lfwe are only able to deliver partial loan proceeds to the Directed Account(s) or Borrower's designated bank account after 14 days, we will apply the undelivered portion to the outstanding balance in accordance with our normal payment application procedures. If Borrower elects to make payments by automatic withdrawal, Borrower has the right to stop payment ofthese automatic withdrawals or revoke prior authorization for automatic withdrawals by notifying Lender and LendingClub ofthe exercise of its right to stop a payment or revoke authorization for automatic withdrawals no less than three (3) bankinq davs before Borrower‘s next payment due date. If Borrower elects to make payments by check, Borrower must send the check either by regular mail or by overnight mail or UPS delivery to Wells Fargo Lock Box Services, Dept #34268, 3440 Walnut Ave, Window H, Fremont. CA 94538. There will be a $7 check processing fee per payment, subject to applicable law. Borrower may change its payment method bv contactinq support@lendinaclub.com. Borrower’s payment method and any necessary authorization do not affect its obligation to pay when due all amounts payable on the Note, whether or not there are sufficient funds in the applicable deposit account. The foregoing authorization is in addition to, and not in limitation of, any rights ofsetoff Lender may have. All payments are t0 be applied first to the payment ofall fees, expenses and other amounts due (excluding principal and interest), then to The authoritative document is maintained by LendingClub Corporation and this copy was created Jan 26 2020 13:1 6:1 3 This is a copy of an authoritative document accrued interest, and the balance on account ofoutstanding principal; provided, however, that after an Event of Default (as defined below), payments will be applied to Borrower‘s obligations as Lender determines in its sole discretion. Origination fee. lfthis loan is subject to an origination fee, such fee is deducted from the loan proceeds and paid to the Lender. Any origination fee of 5% or less is not refundable regardless of when, or if, the loan is paid in full. Any origination fee amount in excess of 5% is refundable on a prorated basis over the term 0f the loan when and if the loan is paid in full prior to its maturity date. A partial pre-payment will not result in the refund of any origination fee amount. Borrower acknowledges that the origination fee is considered part of the principal of Borrower's loan and is subject to the accrual of interest. Insufficient funds fee. Ifa payment is returned or fails due to insufficient funds in the designated account, Borrower may be charged a fee of $15, to the extent permitted by applicable law. An insufficient funds fee may be assessed no more than once for a single failed payment. The bank that holds Borrower’s deposit account may assess its own fee in addition to the fee assessed under this Note. Late fee. Ifany part of Borrower's a ment, other than payments owed for anf fee(s) assessed on a prior monthl payment, is more than 15 days late a late fee may be n an f /o fthe out ' me , to the extent permitted by applicable law. Only one lat f e may be h rged on e p y ent. A n check p ent re e 2:30 P.M. Mountain Time. on a bankinq davi emed r c ived on h cceedi 1 bankinq d v. Borrow rau h rizes Lender, and its successors and assigns, to deduct anyf to the depo it account o file for B rr w r. Prepayments and Partial PaymentNrrowWake ahmpayment eaumin whole or iWhouthehalty or premium at any time. Any partial prepayment will be credited against the loan balance as described in the Payments section above. Any partial repayment does not postpone the due date ofany subsequent monthly payment, unless expressly agreed to in writing. If Borrower prepays this Note in part, Borrower agrees to continue to make regularly scheduled payments until all amounts due under this Note are paid. Lender may accept late payments or partial payments, even though marked "paid in full", without losing any rights under this Note. Any regularly scheduled monthly installment ofprincipal and interest that Is received by Lender before the date it is due shall be deemed to have been received on the due ‘< w 2. H. . . O -‘ I U o |v-‘mayeem . ’ L ‘ . - ‘ ifBo - er.( -i|sto. pay timely any amount due on the loan; (2) files or has instituted against it or any joint applicant/co borrower any bankruptcy or insolvency proceedings or make any assignment for the benefit of creditors; (3) commits fraud or makes any material misrepresentation in this Note, or in any other documents, applications or related materials delivered to Lender in connection with its loan or (4) fails to abide by the terms of this Note or the Borrower Agreement. Upon the occurrence ofan Event of Default, Lender may exercise all remedies available under applicable law and this Note, including without limitation demand that Borrower immediately pay all amounts owed on this Note. Lender will rep! rt 'n ' . ' ‘ r “ : ' w|| report that loan accounttot e c - ' ' rv ' . = :- ' ' -~ : account may be reflected in Bor onable attorneys' fees, as permit :Jgint and Seve« The liability ofanyjoint applicant/co-borrower to repay in full this loan is in addition to and not in lieu ofthe obligations 0fthe primary Borrower to repay the loan in full. The joint applicant/co-borrower agrees to abide by the terms and conditions ofthis Note or any other agreements or documents provide or executed as part 0fthe application process, as ifan original signatory. Lender (or its designee) has sole discretion to proceed against both the Borrower and anyjoint applicant/co-borrower to recover all the amounts due under this Note. Further, Lender (or its designee) can accept instructions from either Borrower or the joint applicant/co- borrower, and notice given to either party shall be binding on both parties and all disclosures provided to a party will be deemed simultaneously received by all parties. Loan Charges. lfa law that applies to the Loan and sets maximum loan charges is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower that exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under this Note or by making a direct payment to Borrower. Electronic Transactions. THIS AGREEMENT IS FULLY SUBJECT TO BORROWER'S CONSENT TO ELECT RONIC TRANSACTIONS AND DISCLOSURES, WHICH CONSENT IS SET FORTH IN THE TERMS OF USE FOR THE SITE. BORROWER EXPRESSLY AGREES THAT THE NOTE IS A"TRANSFERABLE RECORD" FOR ALL PURPOSES UNDER THE ELECT RONIC SIGNATURES IN GLOBALAND NATIONAL COMMERCE ACT AND THE UNIFORM ELECTRONIC TRANSACTIONS ACT. The authoritative document is maintained by LendingClub Corporation and this copy was created Jan 26 2020 13:1 6:1 3 This is a copy of an authoritative document Registration of Note Owners. I have appointed LendingCIub as my agent (in such capacity, the "Note Registrar") for the purpose ofmaintaining a book-entry system (the "Register") for recording the names and addresses ofany future owner ofbeneficial interests in this Note (the "Note Owners") and the principal amounts and interest on this Note owing to each pursuant t0 the terms hereoffrom time to time. The person or persons identified as the Note Owners in the Register shall be treated as the owner(s) ofthis Note for purposes ofreceiving payment ofprincipal and interest on such Note and for all other purposes. With respect to any transfer by a Note Owner of its beneficial interest in this Note, the right to payment of principal and interest on this Note shall not be effective until the transfer is recorded in the Register. Miscellaneous. Lender may, without notice t0 Borrower, assign all ofits right, title and interest in this Note to any other third party, and Borrower further understands, acknowledges and agrees that any assignee may sell, assign or transfer the Note and all associated documents and information related to the Note without Borrower’s consent or delivery of notice (subject in each case to the registration requirement above). Borrower may not assign this Note without the nrior written consent of Lender. This Note inures t0 the successors, permitted assigns, heirs h ever, and hereby consents that m from time to time, in whole or part, Any changes to this Note must be in writing signed by Borrower and Lender. Notices will be provided electronically to Borrower's account, unless Borrower has opted out ofelectronic delivery and then will be mailed to the addresses then on record. This Note is subject to the arbitration provisions ofthe Borrower Agreement between Lender and Borrower, which is incorporated by reference into this Note. c act e- e nt n re ct t n1 orce b' ity 0 U HM CALIFORNIA RESIDENTS ONLY: Amarried applicant may apply for a separate account. If Lender takes any adverse action as defined by § 1785.3 ofthe California Civil Code and the adverse action is based, in whole or in part, on any information contained in a consumer credit report, Borrower has the right to obtain within 60 days a free copy of Borrower’s consumer credit report from the consumer reporting agency who furnished the consumer credit report and from any other consumer credit reporting agency that complies and maintains files on consumers on a nationwide basis.WA l reflecting on B obligations. dit report rrower's credit KANSAS: NOT the unpaid bal . You may prepay MARYLAND RESIDENTS ONLY: Lender elects to make this loan pursuant to Subtitle 10 (Credit Grantor Closed End Credit provisions) of Title 12 ofthe Maryland Commercial Law Article only to the extent that such provisions are not inconsistent with Lender’s authority under federal law (12 U.S.C. § 85, § 1463(9), or § 1831d, as appropriate) and related regulations and interpretations, which authority Lender expressly reserves. MASSACHUSETTS RESIDENTS ONLY: Massachusetts law prohibits discrimination based upon marital status or sexual orientation. MISSOURI AND NEBRASKA RESIDENTS: ORAL LOAN AGREEMENTS OR COMMITMENTS TO LOAN MONEY, EXTEND CREDIT OR TO FORBEAR FROM ENFORCING REPAYMENT OF SUCH DEBT, INCLUDING PROMISES TO EXTEND OR RENEW SUCH DEBT, ARE NOT ENFORCEABLE. TO PROTECT BORROWER(S) AND THE LENDER AND ANY HOLDER OF THIS NOTE FROM MISUNDERSTANDING OR DISAPPOINTMENT, ANY AGREEMENTS WE REACH COVERING SUCH MATTERS ARE CONTAINED IN THIS WRITING, WHICH IS THE COMPLETE AND EXCLUSIVE STAT EMENT OF THE AGREEMENT BETWEEN US, EXCEPT AS WE MAY LATER AGREE IN WRITING TO MODIFY IT. NEWJERSEY RESIDENTS: The section headings ofthe Note are a table ofcontents and not contract terms. Portions ofthis Note with references to actions taken to the extent of applicable law apply to acts or practices that New Jersey law permits or requires. In this Note, actions or practices (i) by which Lender is or may be permitted by "applicable law" are permitted by New Jersey law, and (ii) that may be or will be taken by Lender unless prohibited by "applicable law" are permitted by New Jersey law. The authoritative document is maintained by LendingClub Corporation and this copy was created Jan 26 2020 13:1 6:1 3 This is a copy of an authoritative document NEW YORK, RHODE ISLAND and VERMONT RESIDENTS: : Borrower understands and agrees that Lender may obtain a consumer credit report in connection with this application and in connection with any update, renewals for extension ofany credit as a result ofthis application. If Borrower asks, Borrower will be informed whether or not such a reportwas obtained, and ifso, the name and address ofthe agency that furnished the report. Borrower also understands and agrees that Lender may obtain a consumer credit report in connection with the review or collection ofany loan made to Borrower as a result ofthis application or for other legitimate purposes related to such loans. OHIO RESIDENTS ONLY: The Ohio laws against discrimination require that all creditors make credit equally available to all credit-worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with the law. WASHINGTON RESIDENTS ONLY: Oral agreements or oral commitments t0 loan money, extend credit, or to forbear from enforcing repayment of a debt are not enforceable under Washington law. WISCONSIN RESIDENTS ONLY: For married Wisconsin residents, Borrower’s signature confirms that this loan obligation is being incurred in the interest of Borrower's marriae or family. No provisiqn ofan marital proerty agreement pre-marital a reement). unilateral statement ss, prior to the time that have actual knowledge of rrower has a spouse who needs . n West Virgi . LendingCIuo ' our ' CreditServices Organization ("CSO") in connection with your loan. LendingCIub may be reached at LendingCIub Corporation, 71 Stevenson Street, Suite 1000, San Francisco, CA 94105. LendingCIub's agent for service 0f process is CSC - Lawyers Incorporating Service, 2710 Gateway Oaks Dr., Suite 150N, Sacramento, CA 95833. Description ofServices. LendingCIub operates as an online marketplace platform It does not issue fund or lend loans directly to the ' ' ‘k"mode' " A ', A -dorofafe er. AE ‘1 Surety Notice: LendingCIub has obtained and retains in effect a surety bond or maintains a surety account in the amount of$15,000. You have the right to maintain an action at law against the CSO and against the surety 0r trustee for damages incurred by violation ofthe Credit Service Organization Act, Article BC, Chapter 46A ofthe WV Code. The name and address ofthe surety company which issued the surety bond is International Fidelity Insurance Company, One Newark Center, Newark, NJ 07102. er reporting arge on request ' e that cre- - , and your file is ctly with y ing agency the reporti g :u -ncy; .umer reporting agency may m. containing an . ') yea - efore the report; (v) ACCURATE INFORMATION CANNOT BE PERMANENT LY REMOVED FROM THE FILES OF ACONSUMER REPORTING AGENCY; and (vi) non-profit organizations which provide credit and debt counseling service are available. The WV Association 0f Consumer Credit Counseling Services (call 1-800-869-7758) or the National Foundation for Consumer Credit (call 1-800-388 2227) will connect you to a local organization, or check your yellow pages under "Credit Counseling Services" to find a non-profit service. MEMBER ID OF BORROWER & CO-BORROWER (if any) BY: LENDINGCLUB CORPORATION ATTORNEY-lN-FACT FOR BORROWER and CO-BORROWER (ifany) (SIGNED ELECTRONICALLY) Exhibit B WEBBANK PRIVACY NOTICE LENDINGCLUB ACCOUNT? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. FACTS WHAT DOES WEBBANK DO WITH YOUR PERSONAL INFORMATION IN CONNECTION WITH YOUR J The authoritative document is maintained by LendingCIub Corporation and this copy was created Jan 26 2020 13:1 6:1 3 This is a copy of an authoritative document The types ofpersonal information we collect and share depend on the product or service you have with us. This information can include: - Social Security number and transaction history o Account balances and payment history o Credit history and credit scores When you are no longer our customer, we continue to share your information as described in this notice. All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons WebBank chooses to share; and whether you can limit this sharing. For our everyday business purposes - such as t0 process your transactions, maintain your s), res court legal investigations, or it For our marketing pu to you produ For joint marketing with lco For our affiliates' everyday bu ss about your transactions and experiences For our affiliates' everyday business purposes - information about your creditworthiness For our affiliates to market to you ffil How does WebBank collect my personal information? Why can't || What happens when | limit sharing for an account l hold jointly with someone else? Definitiiéns Affiliates NO YES We don't share We don't share We don't share ed s use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We collect your personal information, for example, when you o Open an account or pay us by check information , such as bur law Sharing about your creditworthiness o Affiliates from using your information to market to you o Sharing for nonaffiliates companies to market to you bus pu es-information State laws and individual companies may give you additional rights to limit sharing. Your choices will apply to everyone on your account - unless you tell us otherwise. Companies related by common ownership or control. They can be financial and nonfinancial companies. o WebBank does not share with our affiliates Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. o Nonaffiliates we share with can include other financial services companies, lenders, insurance companies, retailers, membership clubs or other consumer service providers. The authoritative document is maintained by LendingClub Corporation and this copy was created Jan 26 2020 13:1 6:1 3 This is a copy of an authoritative document Joint marketing Aformal agreement between nonaffiliated financial companies that together market financial products or services to you. o Ourjoint marketing partners include financial services companies, lenders, insurance companies, or other consumer service providers. COW OF @QTHIK MT i DOWWENT The authoritative document is maintained by LendingClub Corporation and this copy was created Jan 26 2020 13:1 6:1 3 This is a copy of an authoritative document LOAN SUMMARY Loan Id: 140438866 Primary Borrower Contact Information Full Real Name: Screen Name: Email: Address: Home Phone: Cell or Work Phone: Loan Information Loan Issue Date: Original Loan Amount Principle Balance: Principle Balance Date: Payoff Balance: Payoff Date: Loan Documents Joanne cardona Member_162397931 217 Astreet S San Fran. CA 94080 W or7/28/20 $0.00 Document Name Dateltime Document Version Signed BorrowerAgreement 9/15/18 01:55:03 PM PDT LC_SEC V26 9/15 1 01:49 02 PM P T A9I15 1 01:49 02 PM P I15 1 02:00 36 PM P 15 1 OWEN I15 1 01:55 o: PM PDT 9/15 1 01:49 o: PM PD (\uuauuu‘uu. DEDMZNT The authoritative document is maintained by LendingClub Corporation and this copy was created Jul 28 2020 08:00:21 EXHIBIT B L_ot20-7oo ‘Lot20-7oo inc-700 E0700 0700 E0700 0700 0700 0700 0700 0700 o-mo Liza-700 Lino-700 o-mo o-mo o-mo noo Lot20-7oo Lot20-7oo Lot20-7oo Lot20-7oo Lot20-7oo 31177665 $0.00 ‘ $0.0m $0.00 0__ 9/17/2018 . . . $37.55 $0.00 $0.00 r 0 $0.00 10/17/2018‘ $67.31 $0.00 $376.72 $36.72 $0.00 $0.00 0 $0.00 11/17/2018l 7 r $68.15 $0.00 $35.53 $35.88} $0.00 $0.00 0 $0.00 12/17/20-18‘L7 $69.01 $0.00 $35.02 $§ 021 $0.00 $0.00 0 $0.00 1/17/20-19‘17 $69.87 $0.00 $34.16 $34 161 $0.00 $0.00 0 $0.00 2/17/20-19} $70.75 $0.00 $33.28 $5281 $0.00 $0.00 0 $0.00 3/17/2019} $71.63 $0.00 $32.40 @401 $0.00 $0.00 0 $0.00 4/17/2019} $72.53 $0.00 $31.50 501 $0.00 $0.00 0 $0.00 5/17/2019} $73.44 $0.00 $30.59 $959} $0.00 $0.00 0 $0.00 6/17/2019} $74.36 $0.00 $29.67 67} $0.00 $0.00 0 $0.00 7/17/2019} $75.29 $0.00 $2874 $28.74} $0.00 $0.00 0 $0.00 8/17/2019} $76.23 $0.00 $27.80 $27.80} $0.00 $0.00 0 $0.00 9/17/2019‘ $77.18 $0.00 $26.85 $26.85} $0.00 $0.00 0 $0.00 10/17/2019 $78.15 $0.00 $25.88 $25.88} $0.00 $0.00 0 $0.00 11/17/2019 $0.00 $0.00 $24.90 $0.00} $0.00 $0.00 0 $0.00 12/17/2019 $0.00 $79.13 $24.90 $0.00} $24.90 $0.00 0 $0.00 2/15/2020 $0.00 $104.03 $24.90 $0.00} $74.71 $0.00 0 $0.00 2/17/l $0.00 $104.03 $22.41: $104.00} $99.61} $0.00 0 $0.00 3/17/l $72.69 $104.03 $24.90 $31.31} $20.52} $0.00 0 $0.00 4/17/l $80.81 $104.03 $23.19 $23.19} $13.60 $0.00 0 $0.00 5/17/2020 $0.00 $104.03 $22.98 $0.00 $13.79 $0.00 0 $0.00 6/17/2020 $0.00 $104.03 $0.00 $0.00 $23.75 $0.00 0 $0.00 $0.00 $0.00 $0.0 ‘ 9/17/2018‘ 0 0 9/17/2018[ $0.00 $000 $0.00 17110/17/2018 10/17/2018 104.03 104.03 10/22/2018[ 104.037 10/16/2018 $0.00 $0.00 $0.00 17 11/19/2018 11/17/2018 104.03 104.03: 11/23/2018 104.03‘: ‘711/1?/20181 $0.00 $0.00 $0.00 17 12/17/2018 12/17/2018 104.03 104.03: 12/20/2018 104.03 12/14/2018 $0.00 $0.00 $0.00 17 1/17/2019 1/17/2019 104.03 104.03: 1/23/2019 104.03 1/16/2019 $0.00 $0.00 $0.00 17 2/19/2019 2/17/2019 104.03 104.03: 2/22/2019 104.03 2/15/2019 $0.00 $0.00 $0.00 17 3/18/2019 3/17/2019 104.03 104.03: 3/18/2019 104.03 3/15/2019 $0.00 $0.00 $0.00 17 4/17/2019 4/17/2019 104.03 104.03: 4/17/2019 104.03 4/16/2019 $0.00 $0.00 $0.00 17 5/17/2019 5/17/2019 104.03 104.03: 5/17/2019 104.03 5/16/2019 $0.00 $0.00 $0.00 17 6/17/2019 6/17/2019 104.03 104.03: 6/17/2019 104.03 6/14/2019 $0.00 $0.00 $0.00 17 7/17/2019 7/17/2019 104.03 104.03: 7/17/2019 104.03 7/16/2019 $0.00 $0.00 $0.00 17 8/19/2019 8/17/2019 104.03 104.03: 8/19/2019 104.03 8/16/2019 $0.00 $0.00 $0.00 17 9/17/2019 9/17/2019 104.03 104.03l 9/17/2019 104.03 9/16/2019 $0.00 $0.00 $0.00 17 10/17/2019 10/17/2019 104.03 104.031 10/17/2019 104.03 10/16/2019 $0.00 $0.00 $0.00 17 11/18/2019 11/17/2019 104.03 104.03 11/18/2019 104.03 11/15/2019 $0.00 $0.00 $0.00 16 1/17/2020 12/17/2019 104.03 104.03 0 12/16/2019 $0.00 $0.00 $0.00 15 2/2/2020 1/17/2020 208.06 208.06 0 ‘ 1/16/2020‘ $0.00 $0.00 $0.00 17 5/29/2020 2/17/2020 104.03 104.03 0 . 2/16/2020 $0.00 $0.00 $0.00 17 2/17/2020 3/17/2020 416.12 104.( 3/31/2020 104 3/16/2020 $0.00 $0.00 $0.00 17 3/17/2020 4/17/2020 520.15 104.03 4/30/2020 104 4/16/2020 $0.00 $0.00 $0.00 17 4/17/2020 5/17/2020 520.15 104.03 5/29/2020 104 5/16/2020 $0.00 $0.00 $0.00 17 5/17/2020 6/17/2020 520.15 104.03 0 6/16/2020 $0.00 $0.00 $0.00 17 6/17/2020 7/17/2020 624.18 104.03 0 7/16/2020 o o o aooo 0.012178237' 10/17/2018 10/17/2018:? o o o _2933.52 0.01216204‘ 1 11/17/2018 11/19/2018 0 0 0 2866.207892 0.01215371 1 12/17/2018 12/17/2018 0 0 0 2798.053251 0.01214487 1 1/17/2019 1/17/2019 0 0 0 mmssm 0.01213547 1 2/17/2019 2/19/2019 0 0 0 '174114 0.01212545 1 3/17/2019 3/18/2019 0 0 0 $842811 0.01211476 1 4/17/2019 4/17/2019 0 0 0 16.79ssoz 0.01210332 1 5/17/2019 5/17/2019 0 0 0 $258505 0.01209105 1 6/17/2019 6/17/2019 0 o 0 $708325 0.01207787 1 7/17/2019 7/17/2019 0 0 0 $477522 001206365 1 8/17/2019 8/19/2019 0 0 0 L211g17s6 0.01204831 1 9/17/2019 9/17/2019 0 0 0 963682 0.01203167 1 10/17/2019 10/17/2019 0 0 0 2067.781478 0.01201356 1 11/17/2019 11/18/2019 0 0 0 1989.633209: 1 12/17/2019 0 0 0 1989.633209 0.00621036 1 1/17/2020 0 0 0 1989.63 2/17/2020 5/29/2020 0 0 0 1989.63 3/17/2020 2/17/2020 0 0 0 1989.63 4/17/2020 3/17/2020 0 0 0 1916.94 5/17/2020 4/17/2020 0 0 0 1836.13 6/17/2020. 5/17/2020 0 0 0 1836.13 7/17/2020_l 6/17/2020 0 0 0 \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO Christopher D. Mandarich SB 220693 Ajay Sood SB325294 E'Edmnififl"? Hayk Stambultsyan SB320973 u Eh, ma an Martin Weingarten SB 201906 $45 PE“ T075326??me Ham MANDARICH LAW GROUP, LLP BP.O. Box 109032 Chicago, IL 60610 3" Phone: 877.285.4918 “mu“ Facsimile: 818.888.1260 Attorneysfor Plaintifl: Midland Credit Management, Inc SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED Midland Credit Management, Inc, Case N0. 21 'CLJ-05824 Plaintiff, COMPLAINT FOR: VS. FILE BY FAX 1. ACCOUNT STATED DIANE ROBLES, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant. DEMAND; $1,228.14 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1.P1aintiff is and at all times herein mentioned, Midland Credit Management, Inc, and successor in interest to original creditor, Credit One Bank, N.A.. 2.P1aintiff is a debt buyer, and is the sole owner 0f the debt at issue. 3.The charge-off creditor at the time of charge-off is Credit One Bank, N.A., 55 BEATTIE PLACE SUITE 400 GREENVILLE, SC 29601, and the account number associated with this debt is XXXXXXXXXXXX8072. 4.The subj ect credit account has been purchased by the following entities after charge-off: MHC Receivables, LLC 55 BEATTIE PLACE SUITE 400 GREENVILLE, SC 29601. Sherman Originator III LLC 55 BEATTIE PLACE SUITE 400 GREENVILLE, SC 29601. The subject credit account was transferred by Sherman Originator III LLC t0 Plaintiff Midland Credit Management, Inc, who maintains an address at 350 Camino De La Reina Suite 100, San Diego CA 92108. 5.Plaintiff is informed and believes that Defendant are individuals Who currently reside COMPLAINT-l ofs EXh i bit "88" \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO Within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the proper Court for trial 0f this action. 6.The name and last known address of the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0f the debt is DIANE ROBLES, 416 ALIDA WAY APT 3 17, S SAN FRAN, CA 94080. 7.P1aintiff is unaware of the true names 0r capacities, Whether individual, corporate, associate or otherwise ofthe Defendant sued herein as DOES 1 through 10 inclusive, and therefore, sued the Defendant by such fictitious names. PlaintiffWill amend this Complaint t0 show their true names and capacities once ascertained. 8.Plaintiff believes and at all times mentioned herein, each of the Defendant was, and is, the agent, servant and employee, employer of each of the other Defendant, and also acted in the capacity 0f and as agent of the other Defendant. Plaintiff also believes that the individual Defendant, and each 0f them, are jointly and severally liable that the actions described herein were taken as actions for the benefit of the Defendant's separate and/or community property. 9.Plaintiff believes that, for value received, Defendant and each 0f them, executed and delivered a credit card application to the original creditor, Credit One Bank, N.A. or made such application over the telephone or Internet. Pursuant to the aforementioned application, Credit One Bank, N.A. provided Defendant with a credit account, and granted use privileges on the same, account number XXXXXXXXXXXX8072 (hereinafter “Account”). 10.Pri0r t0 the commencement 0f this action, the Account was assigned for value t0 the Plaintiff and Plaintiff is its current holder. 11.Defendant agreed to repay Credit One Bank, N.A. and any successors in interest, for any charges 0n the Account including, but not limited t0, charges for purchase ofgoods and service and/or cash advances and balance. 12.Defendant used the Account to make purchases and/or to take cash advances and/or t0 make balance transfers. Each time the Defendant used the Account t0 purchase goods and services COMPLAINT-2 of 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement to repay Credit One Bank, N.A. and its successors in interest for the amount 0f the purchase and/or cash advances and/or balance transfers. 13.Month1y statements were sent to Defendant Which itemized all payments made and charges due on the Account. 14.The date of last payment 0n the subject account was 0n February 7, 2019. 15.Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected to pay amounts due 0n the Account. 16.The debt balance at charge-off was $1,278. 14, and upon information and belief there is $0.00 in post charge off fees and $0.00 in post charge off interest. 17.Subsequent t0 charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $1,228.14. 18.A1th0ugh demand has been made upon said Defendant to pay said amount, n0 part has been paid, and it is now due and owing. 19.Upon information and belief, Credit One Bank, N.A. and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 20.P1aintiff has complied with California Civil Code Section 1788.52. 21.P1aintiff has attached hereto as Exhibit A and incorporated herein by reference a copy of Billing Statement provided to the Defendant While the account was active, demonstrating that the debt was incurred by the Defendant. 22.Plaintiff has attached hereto as Exhibit B and incorporated herein by reference a copy 0f the Final Billing Statement and/or Transaction History. 23.Up0n opening the Account With Credit One Bank, N.A., the Defendant(s) agree to reimburse Credit One Bank, N.A., and hence Plaintiff as successor in interest for the costs related t0 the collection 0famounts owing on the Account. Plaintiffhas been required to retain Mandarich COMPLAINT-3 0f 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO Law Group, LLP t0 pursue collection 0f the amount due hereunder. FIRST CAUSE OF ACTION (Account Stated) 24.P1aintiff refers to and incorporates paragraphs 1 through 23. 25.Within the past 4 years, an account was stated in writing in Which it was agreed that Defendant were indebted in the amount previously referenced herein. Although demand has been made upon Defendant, said amount 0f $1,228.14 has not been paid, and it is now due, owing and unpaid from Defendant to Plaintiff, as successor in interest. SECOND CAUSE OF ACTION (Open Book Account) 26.P1aintiff refers t0 and incorporates paragraphs 1 through 25. 27.Within the past 4 years, Defendant and each 0f them became indebted in the amount of the previously mentioned herein for a balance due on a book account for goods sold and delivered and/or services rendered by Credit One Bank, N.A.. Although demand has been made upon Defendant, said amount 0f $1,228.14 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 of 5 \OOOflQUl-I>WI\J>-‘ NNNNNNNNNr-tr-KHr-Kr-tr-tr-tr-tr-tr-t OOQQUl-RUJNF-‘OKDOOQONUl-hUJNF-‘O WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $1,228. 14, 2. For costs of suit incurred; and 3. For such other and further relief as the Court deems just and proper. 4. Plaintiff remits all damages in excess of the jurisdictional amount 0f this Court. Dated: 10/22/2021 By: MANDARICH LAW GROUP, LLP QMM [X] Christopher D. Mandarich, Esq. Attorneysfor Plaintifl” COMPLAINT-5 0f 5 EXHIBIT A CREDIT ONE BANK CREDIT CARD STATEMENT Account Number 8072 August 16, 2017 to September 15, 2017 SUMMARY OF ACCOUNT ACTIVITY pAYMENT |N|=0RMAT|0N Previous Balance $22.31 New Balance $643.77 Payments $34.95 Past Due Amount $0.00 Other Credits - $0.85 Amount Due This Period $33.00 Purchases + $632.82 Minimum Payment Due $33.00 Cash Advances + $0.00 Payment Due Date 10/11/17 Fees Charged + $1 8'20 Late Pa ent Wamin :Intereg Charged + $624 If we doyrrirot receive ygur minimum payment by the date listed above, New Balance $643.77 you may have to pay a late fee up to $35. . . . Minimum Pa ment Wamin : creglt L'm't _ $75000 If you make (Ia/nly the minimim payment each period, you will pay moreAva'IabIe cred'I $1 05-00 in interest and it will take you longer to pay off your balance.Statement Closlng Date 09/1 5/1 7 Days in Billing Cycle 31 For example: If you make no You will pay off the And you willQUESTIONS? additional charges balance shown on end up paying Call Customer Service or Report using this card and the statement in an estimated a Lost or Stolen Credit Card 1-877-825-3242 each month you Pal/m abOUt--- total 0f--- Outside the U.S. Call 1-702-405-2042 _ _Only the mInImumPlease send billing inquiries and correspondence to: payment 3 years $894.00 P.O. Box 98873, Las Vegas, NV 89193-8873 call 1-866-51 5-5720. If you would like a location for credit counseling services, TRANSACTIONS Reference Number Trans Date Post Date Description of Transaction or Credit Amount 24445007500T5F4MW 08/16 08/16 WALGREENS #3346 S SAN FRAN CA 9.58 24013397703H6P3Q9 08/18 08/18 EL FARO MEXICAN FOOD SOUTH SAN FRA CA 22.56 244450077008HGDYM 08/18 08/18 WALGREENS #3346 S SAN FRAN CA 15.88 24299107803PVOGAO 08/19 08/19 7-ELEVEN 14311 SOUTH SAN FRA CA 20.93 24299107903XJZ2GJ 08/20 08/20 7-ELEVEN 14311 SOUTH SAN FRA CA 21 .04 24431 067ARQEB348M 08/21 08/21 PANDA EXPRESS #1 193 SANTA ROSA CA 31 .50 24445007BEHZMAJMS 08/22 08/22 DOMINO'S 8229 707-245-81 11 CA 39.55 24164077Q6DSR1TAF 08/23 08/23 SAFEWAY STORE00009563 SANTA ROSA CA 42.72 74071937DO0XTMJKO 08/25 08/25 PAYMENT - DEBIT CARD LAS VEGAS NV -34.95 F5727007F000FR 08/27 08/27 CREDIT ONE REWARD CREDIT LAS VEGA -0.85 CREDIT 24231687J2DL5KXV2 08/30 08/30 SAFEWAY.COM # 31 16 SOUTH SAN FRA CA 65.74 24692167L2XX8SQPG 08/31 08/31 STARBUCKS STORE 09749 SANTA ROSA CA 10.00 24327437NH6W4S2JJ 09/01 09/01 LOS ARCOS RESTAURANT SANTA ROSA CA 30.23 24445007P2X9Y05R9 09/03 09/03 DOMINO'S 8229 707-245-81 11 CA 21 .15 24692167N2Y023TQK 09/03 09/03 GOOGLE *Kiloo Games g.co/helppay# CA 19.99 24431 067RRQEB47EX 09/04 09/04 PANDA EXPRESS #1 193 SANTA ROSA CA 27.37 24431 067SBLMOQ5E7 09/06 09/06 KFC #127 SANTA ROSA CA 49.96 24164077X6DSR2SAX 09/09 09/09 SAFEWAY STORE00009563 SANTA ROSA CA 64.13 24692167W2Y14T6JM 09/09 09/09 JACK IN THE BOX 0554 SANTA ROSA CA 45.82 2423168812E05R5AF 09/14 09/14 SAFEWAY.COM # 31 16 SOUTH SAN FRA CA 94.67 Fees F5727007D000Y1 08/25 08/25 EXPRESS PAYMENT FEE LAS VEGAS NV 9.95 F572700820000YLAC 09/15 09/15 ANNUAL FEE 10/17 THROUGH 10/17 8.25 TOTAL FEES FOR THIS PERIOD 18.20 Interest Charged 09/1 5 09/1 5 Interest Charge on Purchases 6.24 09/15 09/15 Interest Charge on Cash Advances 0.00 TOTAL INTEREST FOR THIS PERIOD 6.24 2017 Totals Year-to-Date Total fees charged in 2017 $1 24.25 Total interest charged in 201 7 $33.41 5385 JBH 001 7 15 170915 0 PAGE1 of2 2 0 5727 9620 M1 52 O1 E05385 Please return this portion with your payment, and write your account number on your check, made payable to CREDIT ONE BANK For address, telephone and email changes, please complete the reverse side. Or, update your contact information online at www.CreditOneBank.com. CREDIT ONE BANK PO BOX 60500 CITY OF INDUSTRY CA91716-0500 IIII.I.IIIIII..I.II...IIm.I.I.II.II.I....I.II...I...II.III.IIII PAY YOUR BILL ONLINE at CreditOneBank.com -8072 $643.77 Account Number: New Balance: Minimum Payment Due: $33.00 Payment Due Date: 10/11/17 AMOUNT ENCLOSED: DIANE ROBLES 41 6 ALIDA WAY APT 317 S SAN FRAN CA 94080-4310 CREDIT ONE BANK CREDIT CARD STATEMENT Account Number - 8072 August 16, 2017 to September 15, 2017 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Balance Subject to Type of Balance Annual Percentage Rate (APR) Interest Rate Interest Charge Purchases 24.90%(v) $300.82 $6.24 Cash Advances 24.90%(v) $0.00 $0.00 (v) = Variable Rate 5385 JBH 001 7 15 170915 0 PAGE 2 of2 2 0 5727 9620 M152 O1 E05385 EXHIBIT B CREDIT ONE BANK CREDIT CARD STATEMENT Account Number 8072 Augu 16, 2018 to September 15, 201 8 PAYMENT INFORMAHONSUMMARY 0F ACCOUNT ACTIVITY Previous Balance $1 ,21 3.15 PaymenB - $0.00 OIher Ctedis - $0.00 Purdiases + $0.00 Cash Advances + $0.00 Fees Charged + $43.25 Interest Charged + $21.74 New Balance $1 ,278V14 Credit Limit $750.00 Available Credit $0.00 Statement Closing Date 09/15/18 Days in Billing (Nde 31 QUESTIONS? Call Customer Servrce‘ or Report a Lost or Stolen Credit Card 1-877-825-3242 OutSIde‘ the UIS. Call 1-702-405-2042 Please send billing iriqtiries and 0e m: no. Box 98873, Las Vegas, NV 891933873 New Balance Past Due Amount Amount Due This Period Minimum Payment Due Payment Due Date Late PaymentWarning: Ifwe dormmoeiveyoumh‘lnumpaynitbythedatel'stedabme. youmayhavetopayalatefeelptum. Minimum PaymentWaning: Ifyoumkeontymem’nimumpayrnentumpenod,ymwilpaynm n imam itwiuiaxeywlongenopayonywrbaiance. s1 278.14 $364.00 $949.14 $1,273.14 10111113 For exanple: Ifymmakeno meilpayolhe Andyouwil additional drags balance shown on end up pay‘ng Isiigth'samand themtanent'n eadlrmnttlyoupay. aliout" tom of... Only me rr'mimum payment 1 mon1hs $1,218.00 Ifyou would like a location for credit mnseling services. all 1-86651 55720. TRANSACHONS Reference Name Trans Dam Pod Date Description ofTraIsactIon or Credit Armuit Fees F572700LH000CYLAC 09115 09/15 ANNUAL FEE 10/18 THROUGH 10I18 8.25 09/15 09/15 LATE FEE 35.00 TOTAL FEES FOR THIS PERIOD 43.25 Interest Charged W15 09/15 Interest Charge on Purchases 21.74 W15 09/15 Interest Charge on Cash Advances 0.00 TOTAL INTEREST FOR THIS PERIOD 21.14 2018 Totals Year-to-Date Trial fees charged in 2018 $35425 Trial interest charged in 2018 $166.18 YOUR ACCOUNT IS SCHEDULED T0 BE CHARGED OFF. THE BALANCE WILL BE DUE IN FULL. CALL (088) 729.6274. Your account is currently dosed. INTEREST CHARGE CALCULATION Your Annual Percenmge Rate (APR) ”s the annual interest rate on your account. Balance Subject to Type of Balance Annual Percentage Rate (APR) Interest Rate Interest Charge Purdrases 25.65%(v) $1 ,016.97 $21 .74 Cash Advances 25.65%(v) $0.00 $0.00 (v) = Vaiable Rate m5 5H om 1 15 1311914 o cxpAeewn 21) 5721 M152 01505305 Mmmmmmmmmmrmmmwmmmmmb CWONEBANK Account Number: New Balance:Creditqne‘ PAY YOUR BILL ONLINE at CreditOneBank.corn -so72 $1 278.14 Minimum Payment Due: $1,278.14 F11 address. telepmne and enlai Gangs. Paymem Due Date: please ccrmlee Ihe reverse side. Or. update you cmhd imorrration onl'lle atwww.CreditOneBank.cun. l..ll.l.l..llll.l.l.l.l.. I CREDIT ONE BANK DIANE ROBLES P0 BOX 60500 416 ALIDA WAY APT 317 CITY OF INDUSTRY CA 91716-0500 S SAN FRAN CA 94080-4310 ....II.||.I.||I.I.||I...|I.I..I...I...||||||||.|I......II...II.I. AMOUNT ENCLOSED: s _ 10/11/18 \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO Christopher D. Mandarich SB 220693 Ajay Sood SB325294 Hayk Stambultsyan $3320973 E'efifl'fi"? Martin Weingarten SB 201906 brSuperIurCm-meaIIrnrnIa.CumunfSar-mren MANDARICH LAW GROUP, LLP cm 10/27/2021 P.O. Box 109032 Chicago, IL 60610 By Phone: 877.285.4918 Depurymrl: Facsimile: 818.888. 1260 Attorneysfor Plaintifl: LVNVFUNDING LLC SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED LVNV FUNDING LLC, Case N0. 21 -CLJ-05873 Plaintiff, COMPLAINT FOR: VS_ FILE BY FAX 1. ACCOUNT STATED Vicki J Wolfenbarger, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant. DEMAND; $13,145.46 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1.P1aintiff is and at all times herein mentioned, LVNV FUNDING LLC, and successor in interest to original creditor, Citibank, N.A.. 2.P1aintiff is a debt buyer, and is the sole owner 0f the debt at issue. 3.The charge-off creditor at the time of charge-off is CITIBANK, N.A., 5800 SOUTH CORPORATE PLACE SIOUX FALLS, SD 57 108, and the account number associated With this debt is XXXXXXXXXXXX8957. 4.The subj ect credit account has been purchased by the following entities after charge-off: Sherman Originator III LLC P.O. BOX 10466 Greenville, SC 29603. Sherman Originator LLC P.O. BOX 10466 Greenville, SC 29603. Citibank, N.A. 5800 South Corporate Place Sioux Falls, SD 57108. The subject credit account was transferred by Citibank, N.A. t0 Plaintiff LVNV FUNDING LLC, who maintains an address at C/O Resurgent Capital Services LP P.O. Box 10466, Greenville SC 29603. 5.Plaintiff is informed and believes that Defendant are individuals Who currently reside COMPLAINT-l 0f5 EXhibit "89" \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO Within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the proper Court for trial 0f this action. 6.The name and last known address of the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0f the debt is Vicki J Wolfenbarger, 730 17TH AVE , MENLO PARK, CA 94025-0000. 7.P1aintiff is unaware of the true names 0r capacities, Whether individual, corporate, associate or otherwise ofthe Defendant sued herein as DOES 1 through 10 inclusive, and therefore, sued the Defendant by such fictitious names. PlaintiffWill amend this Complaint t0 show their true names and capacities once ascertained. 8.Plaintiff believes and at all times mentioned herein, each of the Defendant was, and is, the agent, servant and employee, employer of each of the other Defendant, and also acted in the capacity 0f and as agent of the other Defendant. Plaintiff also believes that the individual Defendant, and each 0f them, are jointly and severally liable that the actions described herein were taken as actions for the benefit of the Defendant's separate and/or community property. 9.Plaintiff believes that, for value received, Defendant and each 0f them, executed and delivered a credit card application to the original creditor, Citibank, N.A. 0r made such application over the telephone or Internet. Pursuant to the aforementioned application, Citibank, N.A. provided Defendant with a credit account, and granted use privileges 0n the same, account number XXXXXXXXXXXX8957 (hereinafter “Account”). 10.Pri0r t0 the commencement 0f this action, the Account was assigned for value t0 the Plaintiff and Plaintiff is its current holder. 1 1.Defendant agreed t0 repay Citibank, NA. and any successors in interest, for any charges 0n the Account including, but not limited to, charges for purchase 0fgoods and service and/or cash advances and balance. 12.Defendant used the Account to make purchases and/or to take cash advances and/or t0 make balance transfers. Each time the Defendant used the Account t0 purchase goods and services COMPLAINT-2 of 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement to repay Citibank, N.A. and its successors in interest for the amount 0f the purchase and/or cash advances and/or balance transfers. 13.Month1y statements were sent to Defendant Which itemized all payments made and charges due on the Account. 14.The date 0f last payment 0n the subject account was 0n May 17, 2017. 15.Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected to pay amounts due 0n the Account. 16.The debt balance at Charge-off was $13,688.98, and upon information and belief there is $0.00 in post charge off fees and $0.00 in post charge off interest. 17.Subsequent t0 charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $13,145.46. 18.A1th0ugh demand has been made upon said Defendant to pay said amount, n0 part has been paid, and it is now due and owing. 19.Up0n information and belief, Citibank, N.A. and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 20.P1aintiff has complied with California Civil Code Section 1788.52. 21.P1aintiff has attached hereto as Exhibit A and incorporated herein by reference a copy of Billing Statement provided to the Defendant While the account was active, demonstrating that the debt was incurred by the Defendant. 22.Plaintiff has attached hereto as Exhibit B and incorporated herein by reference a copy 0f the Final Billing Statement and/or Transaction History. 23.Up0n opening the Account With Citibank, N.A., the Defendant(s) agree to reimburse Citibank, N.A., and hence Plaintiff as successor in interest for the costs related t0 the collection of amounts owing on the Account. Plaintiff has been required t0 retain Mandarich Law Group, LLP COMPLAINT-3 0f 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO to pursue collection 0f the amount due hereunder. FIRST CAUSE OF ACTION (Account Stated) 24.P1aintiff refers to and incorporates paragraphs 1 through 23. 25.Within the past 4 years, an account was stated in writing in Which it was agreed that Defendant were indebted in the amount previously referenced herein. Although demand has been made upon Defendant, said amount 0f $13,145.46 has not been paid, and it is now due, owing and unpaid from Defendant to Plaintiff, as successor in interest. SECOND CAUSE OF ACTION (Open Book Account) 26.P1aintiff refers t0 and incorporates paragraphs 1 through 25. 27.Within the past 4 years, Defendant and each 0f them became indebted in the amount of the previously mentioned herein for a balance due on a book account for goods sold and delivered and/or services rendered by Citibank, N.A.. Although demand has been made upon Defendant, said amount 0f $13,145.46 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 of 5 \OOOflQUl-I>WI\J>-‘ NNNNNNNNNr-tr-KHr-Kr-tr-tr-tr-tr-tr-t OOQQUl-RUJNF-‘OKDOOQONUl-hUJNF-‘O WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $13,145.46, 2. For reasonable attorneys fees pursuant to statute; 3. For costs of suit incurred; and 4. For such other and further relief as the Court deems just and proper. 5. Plaintiff remits all damages in excess of the jurisdictional amount 0f this Court. Dated: 10/26/2021 By: MANDARICH LAW GROUP, LLP QMM [X] Christopher D. Mandarich, Esq. Attorneysfor Plaintifi” COMPLAINT-5 0f 5 EXHIBIT A VICKI J WOLFENBARGER Member Since 1991 Account number ending in: 8957 Billing Periodzosl‘IGIIT-OSIISIIT Minimum payment due: $2,155.89 New balance: $13,367.14 Payment due date: 07/13/17 Late Payment Warnlng lf we do not receive your minimum payment by the date listed above. you may have to pay a Iate fee of up to $37 and your APRs may be increased up to the variable Penalty APR of 29.99%. Mlnlmum Payment Warnlng If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no addltlonal charges using thls card and each month you pay... You wlll pay off the And you wlll end up balance shown on thls Paglng an estlmated statement In about... o al of... Only the minimum payment 25 year(s) $25,787 For information about credit counseling services, call 1-877-337-8188. Pay your blll trorn virtually anywhere with the cltl Mobile“ App and cm“ Onllne , To download: Text 'ApplS'to Mycltl (692484) or go to your device's app store. Or visit www.cltlcards.com How to reach us www.clticards.com 1-800-846-8444 (TTY: 1-800-325-2865) BOX 6500 SIOUX FALLS. SD 57117 Your account is past due. Please pay at least the minimum payment due, which includes a past due amount of $1357.89 and an overlimit amount of $507.14. Account Summary Previous balance $13,389.49 Payments -$180.00 Credits '$O.21 Purchases +$0.00 Cash advances +$0.00 Fees +$0.00 Interest +$157.86 New balance $13,367.14 Credit Limit Credit limit $12,860 Includes $310 cash adVance limit . . ,. cm 3‘ EZEC 11.2 E‘Et ‘2’”;Savings Spotlight Maximize your savings using Citi Easy Deals at citieasydeals.com See page 3 to view Citi Easy Deals tiers and learn more Minimum payment due $2,155.89 New balance $13,367.14 Payment due date 07/13/17 Amount enclosed: oooooo MC 34 A o Account number ending in 8957 CITI CARDS P0 BOX 78045 Phoenix, AZ 85062-8045 VICKI J WOLFENBARGER 730 17TH AVE MENLO PARK CA 94025 VICKI J WOLFENBARGER www.cltlcardscom Page 2 of 2 1-800-846-8444 (TTY: 1-800-325-2865) Account Summary Trans. Post date date Descrlptlon Amount Payments, Credlts and Adjustments 05/15 AGENCY PAYMENT -$180.00 05/15 CREDIT INTEREST CHARGES -$0.21 Fees charged Total tees charged In thls bllllnq period $0.00 Interest charged Date Descrlptlon Amount 06/15 INTEREST CHARGED TO STANDARD PURCH $157.86 Total Interest charged In thls bllllng perlod $151.86 2017 totals year-to-date RELIEEEEEEEESE '" 2°" s°'°° $936.61Total Interest charged In 2017 Interest charge calculation Days In bnung cycle:31 Your Annual Percentage Rate (APRNS the annual interest rate on your accomt. Annualpercenta e Balance subject Balenceutxge _r_a_t_e__(_A_E___i____t_o__l__n_t_er_est rate Interest charge PURCHASES ~ Standard Purch 13_99% (V) $13,285.51 (D) $157.86 ”ADVANCES Standard Adv 22.74% (V) $0.00 (D) $0.00 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 tra nsactions). Account messages Minimum Payment Due includes past due amounts. Your account may be with a collection vendor and when you call our number, you may be referred to the vendor. Please call the toll-free number shown above Monday-Thursday 8am to 6 pm or Friday 8 am to 5 pm, Central time. 1-800-846-8444 . IIII IILE 3951: 1510 t Savings Spotlight Jumpstart your savings Citi Easy Deals" Here's how It works: 1. Just for being an eligible Citi cardmember, enjoy the Base tier, which gives you access to local coupons 2. Make purchases with your card to meet minimum annual purchase requirements to gain access to the other tiers 3. Whenever you reach a required purchase amount in a given calendar year. your access to that tier will last for the remainder of that year and the entire following year » Visit citieasydeais.com to start saving today EXHIBIT B VICKI J WOLFENBARGER How to reach us Member Since I991 Account number ending in: 8957 www.clcards.com Billing Period:06/‘l6/11-07/l7/l7 1-800-846-8444(TTY: 1-800-325-2865) BOX 6500 SIOUX FALLS. SD 57117 Your account is past due. Please pay at $2 626 65 least the minimum payment due, whichl oMinimum payment due: includes a past due amount of $1648.75 and New balance: $13,535.02 an overlimit amount 0f $675.02. Payment due date: 08/13/17 Account Summary Previous balance $13,367.14 Late Payment Warnlnq: If we do not recelve your minimum payment by the Payments ‘50'00 date listed above. you may have to pay a late fee of up to $37 and your APRs crad'ts ‘50-00 may be increased up to the variable Penalty APR of 29.99%. Purchases +$0.00 Minimum Payment Warnlnq: if you make only the minimum payment each C35“ adVanCGS +$0-00 period, you will pay more in interest and it will take you longer to pay off your Fees +50 00balance. For example: ' I1 you make no additional You wlll pay 011 the And you wlll end up IntereSt $16188 charges uslnq this card balance shown on thls paying an estimated New ba'ance $13,535.02and each month you pay-. statement In about... total oi... Only the minimum payment 25 year(s) $25,834 Greg“. lflm'tCredit llmlt $12,860 For information about credit counseling services. call 1-877-337-8188. Includes $310 cash advance ”m" Savmg s OSpot l lght Maximize your savings using Citi Easy Deals at citieasydeals.com See page 3 to view Citi Easy Deals tiers and learn more Pay your bIII from virtually anywhere Minimum payment dug $2,626.65 wrth the Cltl Mobile” App and Cltf“ Onllne New balance $13,535.02 , T0 download: Text mums-to Mycm (692494) Plymmt due date 08/13/17 OI’ qo t0 YOUI’ OEViCE'S app Store. 0r visit www.cmcardsxom Amount enclosed: oooooo MC 34 A o Account number ending in 8957 VICKI J WOLFENBARGER CITI CARDS 730 17TH AVE P0 BOX 78045 MENLO PARK CA 94025 Phoenlx. AZ 85062-8045 VICKI J WOLFENBARGER www.cltlcards.com Page 2 of 2 1-800-846-8444 (TTY: 1-800-325-2865) Account Summary Trans. Post date date Descrlptlon Amount Fees charged Total tees charged In this bmlnq period $0.00 Interest charged Date Description Amount 07/17 INTEREST CHARGED TO STANDARD PURCH $167.88 Total Interest charged In thls bllllnq perlod $161.88 2017 totals year-to-date Total fees charged In 2017 $0.00 Total Interest charged In 2017 51.10449 Interest charge calculation Days In nnunq cycle:32 Your Annual Percentage Rate (APRHS the annual interest rate on your accomt. Annual percenta e Balance subject Belenceutxge rate_(_A_E___!____t_o__l_r_l_t_erest rate Interest charge ”PURCHASES Standard Purch ]4_24% (V) $13,448.28 (D) $167.88 ”ADVANCES standard Adv 22.99% (V) $0.00 (D) $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed by (V) may vary. Balances followed by (D) are determined by the daily balance method (including current transactions). Account messages Minimum Payment Due includes past due amounts. Your account may be with a collection vendor and when you call our number. you may be referred to the vendor. Please call the toll-free number shown above Monday-Thursday 8am to 6 pm or Friday 8 am to 5 pm. Central time. 1-800-846-8444 . IIII IILE 3‘i5h t Savings Spotlight Jumpstart your savings Citi Easy Deals" Here's how it works: 1. Just for being an eligible Citi cardmember, enjoy the Base tier, which gives you access to local coupons 2. Make purchases with your card to meet minimum annual purchase requirements to gain access to the other tiers 3. Whenever you reach a required purchase amount in a given calendar year. your access to that tier will last for the remainder of that year and the entire following year » Visit citieasydeals.com to start saving today KOOONQUILWNu-t NNNNNNNNNHHh-b-Hb-b-h-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO Christopher D. Mandarich SB 220693 Ajay Sood 33325294 Electronica"? Hayk Stambultsyan SB320973 Martin Weingarten SB 201906 try Superior [nun Inf Callfnrnla. Emmy {If San Maren MANDARICH LAW GROUP, LLP fl“ 10/27/2021 13.0. Box 109032 Chicago, IL 60610 Bar 877.285.4918 mmu-ru Facsimile: 818.888.1260 Attorneysfor Plaintifl: UHG ILLC SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED UHG I LLC, Case N0. 21 -CLJ-05878 Plaintiff, VS FILE BY FAX COMPLAINT FOR: 1. BREACH OF CONTRACT Javier Jimenez, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant DEMAND: $4,380.58 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1. Plaintiff is and at all times herein mentioned, UHG I LLC, and successor in interest t0 original creditor, netcredit. 2. Plaintiff is the only entity that purchased the debt after charge-off and its name and address is as follows: UHG I LLC; 6400 Sheridan Dr Suite 138 Suite 138, Williamsville NY 14221. 3. Plaintiff is a debt buyer, and is the sole owner of the debt at issue. 4. The charge-off creditor at the time of charge-off is NC FINANCIAL SOLUTIONS OF CALIFORNIA, LLC, D/B/A NETCREDIT, 175 WEST JACKSON BOULEVARDSUITE 1000, CHICAGO, IL 60604, and the account number associated With this debt is XXXXXXXXXXX9229. 5. Plaintiff is informed and believes that Defendant are individuals who currently reside within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the COMPLAINT-l ofs EXh i bit "90" KOOONONUILWNr-t NNNNNNNNNHh-h-b-Hb-h-th-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO proper Court for trial of this action. 6. The name and last known address of the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0f the debt is Javier Jimenez , 351 WILL ITS ST , DALY CITY, CA 94014. 7. Plaintiff is unaware of the true names or capacities, Whether individual, corporate, associate or otherwise ofthe Defendant sued herein as DOES 1 through 10 inclusive, and therefore, sued the Defendant by such fictitious names. PlaintiffWill amend this Complaint to show their true names and capacities once ascertained. 8. Plaintiff believes and at all times mentioned herein, each of the Defendant was, and is, the agent, servant and employee, employer of each of the other Defendant, and also acted in the capacity 0f and as agent of the other Defendant. Plaintiff also believes that the individual Defendant, and each 0f them, are jointly and severally liable that the actions described herein were taken as actions for the benefit of the Defendant's separate and/or community property. 9. Plaintiff believes that, for value received, Defendant and each 0f them, executed and delivered a credit application t0 the original creditor, netcredit 0r made such application over the telephone or Internet. Pursuant to the aforementioned application, netcredit provided Defendant With a credit account, and granted use privileges on the same, account number XXXXXXXXXXX9229 (hereinafter “Account”). 10. Prior t0 the commencement of this action, the Account was assigned for value to the Plaintiff and Plaintiff is its current holder. 11. Defendant agreed t0 comply with the terms governing the use 0f the Account, as it was amended from time t0 time, including repaying netcredit and any successors in interest, for any charges on the Account including, but not limited t0, charges for purchase of goods and service and/or cash advances and balance transfers along with late charges, over limits charges related thereto. 12. Defendant used the Account t0 make purchases and/or to take cash advances and/or to make balance transfers. Each time the Defendant used the Account t0 purchase goods and services COMPLAINT-2 0f 5 KOOOVONUILUJNr-t NNNNNNNNNh-h-kb-Ab-Ab-b-h-HHH OONQUl-PUJNF-‘OKOOONONKII-PUJNF-‘O and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement t0 repay netcredit and its successors in interest for the amount of the purchase and/or cash advances and/or balance transfers, along with such other charges as may be assessed pursuant to the terms governing the Account. 13. The date of last payment 0n the subj ect account was on November 15, 2018. 14. Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected to pay amounts due 0n the Account. 15. The debt balance at charge-offwas $4,380.58, and upon information and belief there is $0.00 in post charge off fees and there is $0.00 in post charge off interest. 16. Subsequent t0 charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $4,380.58. 17. Although demand has been made upon said Defendant t0 pay said amount, n0 part has been paid, and it is now due and owing. 18. Upon information and belief, netcredit and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 19. Plaintiff has complied with California Civil Code Section 1788.52. 20. Plaintiff has attached hereto as Exhibit A and incorporated herein by reference a copy of Billing Statement and/or Loan File provided to the Defendant While the account was active, demonstrating that the debt was incurred by the Defendant. 21. Plaintiff has attached hereto as Exhibit B and incorporated herein by reference a copy 0f the Final Billing Statement and/or Transaction History. 22. Upon opening the Account With netcredit, the Defendant agrees t0 reimburse netcredit, and hence Plaintiff as successor in interest for the costs related to the collection of amounts owing on the Account. Plaintiff has been required to retain Mandarich Law Group, LLP t0 pursue collection of the amount due hereunder. FIRST CAUSE OF ACTION (Breach 0f Contract) COMPLAINT-3 0f 5 \OOOflQUl-RUJNH NNNNNNNNNHr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNh-‘OKOOOQQUl-bUJNF-‘O 23. Plaintiff refers to and incorporates paragraphs 1 through 22. 24. netcredit extended a credit loan t0 the Defendant. 25. Defendant accepted the terms and conditions of the Account by Defendant use 0f the Account to make purchases and/or to take cash advances and/or to make balance transfers. 26. Defendant have breached the terms and conditions governing the Account by failing to pay amounts due and owing on the Account. 27. As a direct and proximate result thereof, Plaintiff has been damaged in the amount of $4,380.58. SECOND CAUSE OF ACTION (Open Book Account) 28. Plaintiff refers to and incorporates paragraphs 1 through 27. 29. Within the past 4 years, Defendant and each 0fthem became indebted in the amount 0f the previously mentioned herein for a balance due on a book account for goods sold and delivered and/or services rendered by netcredit. Although demand has been made upon Defendant, said amount of $4,380.58 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 0f 5 KOOONONUI-bUJNr-t NNNNNNNNNHh-kb-Ab-Ab-b-h-h-Hb-t OONQMJ>WN~O©OONONM$UJNHO WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $4,380.58, 2. For reasonable attorneys fees pursuant to statute; 3. For costs of suit incurred; and 4. For such other and further relief as the Court deems just and proper. 5. Plaintiff remits all damages in excess of the jurisdictional amount 0f this Court. Dated: 10/26/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-5 0f 5 Qflx/M X]Christopher D. Mandarich, Esq. Attorneysfor Plaintifl EXHIBIT A CALIFORNIA CONSUMER INSTALLMENT LOAN AGREEMENT AND PROMISSORY NOTE Disbursement Date (funds may be disbursed prior to this date) Aug 2 1, 2017 Payment Date Sep 3, 2020 Acco n 6703 Loan #-9229 Type of Contract New Loan LICENSED LENDER'S OFFICE NC Financial Solutions of California, LLC d/b/a NetCredit (License No. 603K020) I 75 W Jackson Blvd, Suite I000 Chicago, IL 60604 877-392-2014 BORROWER Javier Jimenez 35] will its st, Daly city, CA 94014 This Consumer Installment Loan Agreement (“Agreement”) includes the disclosures above, the Federal Truth in Lending Act Disclosures immediately below (“TILA Disclosures”) and the Additional Terms. In this California Consumer Installment Loan Agreement and Promissory Note (hereinafter the "Loan Agreement"), the words "you" and "your" mean the borrower who has electronically signed it. The words "we", "us" and "our" mean NC Financial Solutions of California, LLC, d/b/a NetCredit (License N0. 603K020). We are a consumer installment lender. The loan is made pursuant to the California Finance Lenders Law, Division 9 (commencing with Section 22000) of the Financial Code. The California Department of Business Oversight regulates us. FOR MORE INFORMATION CONTACT THE DEPARTMENT OF BUSINESS OVERSIGHT, STATE OF CALIFORNIA. You may contact our regulator at the California Department 0f Business Oversight, Consumer Services Office, 320 West 4th Street, Suite 750, Los Angeles, CA 90013-2344. The Department’s website is h_ttp://Www.dbo.ca.go_v. The Department’s phone numbers are: (213) 576-7500 or (866) 275-2677. You acknowledge this loan is for personal, family, or household purposes. In order t0 complete your transaction with us, you must electronically sign this Loan Agreement by clicking the "I Agree" button below. We Will then approve or deny the Loan Agreement. If the Loan Agreement is approved, we will use commercially reasonable efforts to deposit the loan proceeds into Your Bank Account on 0r before the Disbursement Date designated above ("Disbursement Date"). We rely 0n the representations ofyou and other parties in determining the Disbursement Date Despite our best efforts, unavoidable delays as a result 0f inadvertent processing errors and/or "acts 0f God" may extend the time for the deposit. FEDERAL TRUTH IN LENDING ACT DISCLOSURES ANNUAL PERCENTAGE FINANCE CHARGE Amount Financed The Total 0f Payments The amount you RATE The cost 0f your The dollar amount the amount 0f credit provided Will have paid after you have made credit as a yearly rate. credit Will cost you. t0 you 0r 0n your behalf. all payments as scheduled 97.60% $7,757.68 $3,590 00 $11,347 68 YOUR PAYMENT SCHEDULE WILL BE Payment number Amount 0f Payments When Payments Are Due 1 $143.67 Sep 7, 2017 2 $143.67 Sep 21, 2017 3 $143.67 Oct 5, 2017 4 $143.67 Oct 19, 2017 5 $143.67 Nov 2, 2017 6 $143.67 Nov 16, 2017 7 $143.67 Nov 30, 2017 8 $143.67 Dec 14, 2017 9 $143.67 Dec 28, 2017 10 $143.67 Jan 11, 2018 11 $143.67 Jan 25, 2018 12 $143.67 Feb 8, 2018 13 $143.67 Feb 22, 2018 14 $143.67 Mar 8, 2018 15 $143.67 Mar 22, 2018 16 $143.67 Apr 5, 2018 17 $143.67 Apr 19, 2018 18 $143.67 May 3, 2018 19 $143.67 May 17, 2018 20 $143.67 May 31, 2018 21 $143.67 Jun 14, 2018 22 $143.67 Jun 28, 2018 23 $143.67 Jul 12, 2018 24 $143.67 Jul 26, 2018 25 $143.67 Aug 9, 2018 26 $143.67 Aug 23, 2018 27 $143.67 Sep 6, 2018 28 $143.67 Sep 20, 2018 29 $143.67 Oct 4, 2018 30 $143.67 Oct 18, 2018 31 $143.67 Nov1,2018 32 $143.67 Nov 15, 2018 33 $143.67 Nov 29, 2018 34 $143.67 Dec 13, 2018 35 $143.67 Dec 27, 2018 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 Security You are giving a security interest in the ACH Authorizations. $143 67 $143.67 $143 67 $143.67 $143 67 $143.67 $143 67 $143.67 $143 67 $143.67 $143 67 $143.67 $143 67 $143.67 $143 67 $143.67 $143 67 $143.67 $143 67 $143.67 $143 67 $143.67 $143 67 $143.67 $143 67 $143.67 $143 67 $143.67 $143 67 $143.67 $143 67 $143.67 $143 67 $143.67 $143 67 $143.67 $143 67 $143.67 $143 67 $143.67 $143 67 $143.67 $143 67 $141.42 Jan 10, 2019 Jan 24, 2019 Feb 7, 2019 Feb 21, 2019 Mar 7, 2019 Mar 21, 2019 Apr 4, 2019 Apr 18, 2019 May 2, 2019 May 16, 2019 May 30, 2019 Jun 13, 2019 Jun 27, 2019 Jul 11, 2019 Jul 25, 2019 Aug 8, 2019 Aug 22, 2019 Sep 5, 2019 Sep 19, 2019 Oct 3, 2019 Oct 17, 2019 Oct 31, 2019 NOV 14, 2019 NOV 27, 2019 Dec 12, 2019 Dec 26, 2019 Jan 9, 2020 Jan 23, 2020 Feb 6, 2020 Feb 20, 2020 Mar 5, 2020 Mar 19, 2020 Apr 2, 2020 Apr 16, 2020 Apr 30, 2020 May 14, 2020 May 28, 2020 Jun 11, 2020 Jun 25, 2020 Jul 9, 2020 Jul 23, 2020 Aug 6, 2020 Aug 20, 2020 Sep 3, 2020 Late Charge Ifyou fail to make all or any part of a scheduled installment payment within 15 days of its scheduled installment due date, you may be charged a late charge of $15.00. Prepayment Ifyou cancel the loan before the cancellation deadline described below, any interest we have assessed will be waived Ifyou pay off early, you will not have to pay a penalty. Contract Reference: See your contract documents for any additional information about nonpayment, default, our right to accelerate maturity of this Agreement, any required repayment in full before the scheduled due date, and prepayment refunds and penalties UP: 14/364 Itemization ofAmount Financed $3,590 00 Amount given to you directly The Itemizatz'on ofAmount Financed provision discloses the actual amount 0f cash you receive and retain It also discloses the funds paid to third persons. It also discloses any fees, charges, costs, insurance premiums, or other sums you paid or we pay on your behalfWhen we make the loan ADDITIONAL TERMS PROMISE TO PAY, LATE CHARGE, AND CALCULATION OF INTEREST You promise to pay us $3,590.00 (the amount of the principal) plus interest from the Projected Disbursement Date set forth above until the final installment due date set forth in the payment schedule above (“Payment Schedule”), 0r any adjusted payment schedule subsequently agreed to by you and us and confirmed by us in writing (“Maturity Date”). You also promise to pay any other charges provided for under this Agreement The Finance Charge disclosure above represents the amount of interest you will pay under this Agreement assuming you pay all your scheduled installment payments when due according to the Payment Schedule You promise to make the payments you owe by authorizing us to initiate electronic fund transfers from such a deposit account of yours; or, in the event that we are unable to process electronic fimd transfers, by making payment by another method acceptable to us Ifyou fail to make all or any part of a scheduled installment payment within 15 days of its scheduled installment due date, you may be charged a late charge of $15.00. We charge interest under an adjusted daily simple interest method at the annual rate of 98 00% (“Contract Rate”) Interest shall not be payable in advance or compounded. We apply the Contract Rate t0 the “Adjusted Principal Balance” from the Disbursement Date until the earlier of (i) the Maturity Date, (ii) prepayment in full, or (iii) acceleration pursuant to the default provisions The term “Adjusted Principal Balance” (hereinafter the “APB”) means the loan principal balance that would be outstanding assuming you make each payment timely, less any additional prepayments of principal “Timely” means making payment in accordance with the Payment Schedule or any adjusted payment schedule agreed to by the parties and confirmed by us in writing The APB will equal the outstanding loan principal balance ifyou make all payments timely and no other payments You Will not be required to pay more total interest than the amount set forth in the Finance Charge box above. PREPAYMENT. You have the right to prepay in full or in part at any time. You will not incur an additional charge, fee or penalty for prepayment. Prepayments of principal may reduce the total amount of interest you pay under this Agreement. To process a partial or full prepayment or receive a payoff balance, you should call us at 877-392-2014 or tell us of your intent to prepay in writing Via fax at 855-878-1068 or email at s_uppo_rt@netcredit.c0m. Please note that, unless otherwise specified, any payoff amount we provide will be calculated as of the date we expect to seek payment from your deposit account for the balance owing. CANCELLATION. You have the right t0 cancel this Loan until 06 00 PM Eastern Time 0n the next business day immediately following the disbursement date (as applicable, the “Cancellation Deadline”). To cancel, you must, no later than the Cancellation Deadline, inform us in writing Via fax at 855 878 1068 or email at flpp0_rt@netcredit com 0f your intent to cancel, which will authorize us t0 debit for the principal amount 0f the Loan, as described below. If you seek t0 cancel and your cancellation payment is successful, all interest that has accrued will be waived and you will have no fithher payment obligations under this Agreement. Ifyou seek to cancel but your cancellation payment is returned unpaid or is otherwise not successful, your Loan will not be cancelled and your obligations under this Agreement will continue just as if you had not attempted t0 cancel. APPLICATION OF PAYMENTS. Payments Will be applied first to satisfy any past due amounts owing, and then to any currently scheduled installment amounts owing. If you are past due, we credit all payments received first to the oldest past due amounts owing by applying such to accumulated but unpaid interest and fees, and then to past due principal owing. We repeat the process until all past due amounts have been paid in fill]. Ifyou are not past due, we credit all payments to the current or upcoming scheduled installment by applying such to interest and fees, and then to principal as of the date received. If an early payment is less than the amount 0f the next scheduled installment, then you must pay the difference on or before the corresponding installment due date. Making an installment payment in excess of what is due may reduce the total amount of interest you are scheduled to pay under this Agreement and your remaining payments (starting with your last payment and working backwards). However, you cannot generally rely on an excess payment made on or before one installment due date to satisfy the installment obligation associated with the next installment due date. For example, if you have a 12-installment loan and, on your second installment due date, you make a double payment, you will still owe a regular installment payment on your third due date (but that extra payment Will likely reduce the amount of interest you pay and may reduce or eliminate your twelfth installment payment). ELECTRONIC FUND TRANSFER AUTHORIZATION FOR YOUR LOAN PROCEEDS. You authorize us to initiate an electronic fund transfer (“EFT”) t0 credit the checking or savings account specified in your Application/Data Verification form or any substitute account you may later provide us (the “Deposit Account”) with the proceeds of your Loan. In the event that we make an error in processing this EFT, you further authorize us to initiate an EFT to the Deposit Account to correct the error. You authorize us to initiate EFT credits to the Deposit Account as may be necessary t0 obtain an accurate balance under this Agreement. PAYMENT AUTHORIZATION. EFT Authorization for Installment Payments; Error Correction; and in the Event 0f Acceleration, the Loan Balance You authorize us (Which includes, for the purpose 0f this Payment Authorization, our servicers/service providers, successors and assigns and the servicers/service providers of our successors and assigns) to initiate an EFT through the ACH network (or another network of our choosing) from the Deposit Account for the following: o Each of the installment payments due under the Agreement (or, if you make a partial installment payment, the amount of the installment less the amount of any such payment) on or after its due date, including any payment due on a non- banking day, which Will be processed on the following banking day; o In the event that you fail to make all or any part 0f a scheduled payment within 15 days of its scheduled installment due date, you may be charged a late charge of $15.00 0n or after the next scheduled installment due date; o The final installment payment due, which may vary based upon payment history (including early payments or extra payments) during the course of the Agreement; o In the event that you cancel the loan as prescribed in the Cancellation provision above, the entire loan principal within two business days 0f timely cancellation; o In the event that you default and we declare the entire outstanding balance (the “Accelerated Balance”), including all accrued and unpaid interest that you owe under this Agreement, due and payable, the Accelerated Balance on or after the date we accelerate; and o The amount required t0 correct any error we make in processing an EFT on 0r after the date we make the error. If any payment cannot be obtained by EFT, you remain responsible for such payment under the Agreement You agree that we may resubmit any returned EFT as permitted by law and network rules. Ifyou incur any late fees, you agree to allow us to add the amount 0f any late fee that comes due to your next scheduled installment EFT or to initiate a separate EFT for the late fee. You agree that we d0 not need to provide you with advance notice of an EFT we initiate for an installment payment if the amount of the EFT is less than the installment payment (for example, due to a partial payment) You acknowledge that the origination ofEFT transactions to the Deposit Account must comply With the provisions of U.S. law. Modified Charges Instead of or in addition t0 any of the EFTs described above, you authorize us to process any EFTs you subsequently confirm by phone, fax, text message, email, or by logging into the online Loan account portal. Right t0 Stop Payment and Procedure for Doing So You may, at any time, terminate this Payment Authorization. Here’s how: Call us at 877-392-2014, write us Via fax at 855- 878-1068, e-mail us at s_uppo_rt@netcredit.com. We will discontinue initiating any EFTs you specify as soon as we reasonably can and, in any event, within three business days after receiving your termination request. Ifyou call, we may also require you t0 put your request in writing and get it t0 us within 14 days after you call. In the event that you terminate this authorization, you may make payments on your loan by calling us at 877-392-2014 to initiate repayment by debit card, money order, Western Union, or MoneyGram or by sending us a check to NetCredit, P.O. Box 206766, Dallas, TX 75320-6766. The Individual account ID and Customer Name should be included with payment. N0 correspondence should be included. Range of Varying Amounts Please note that you have the right t0 receive notice of all transfers varying in amount. To receive such notice, please request one by calling us c/o NetCredit at 877 392 2014 or writing us Via fax at 855 878 1068 or e mail at s_uppo_rt@netcredit com Unless you contact us, you authorize us to vary the EFT for an installment payment so long as such EFT is at least 50% and no more than 110% 0f the amount specified in the Payment Schedule (as adjusted for any partial prepayments you may make 0r any late fees you may incur) or any adjusted payment schedule subsequently agreed to by you and us and confirmed by us in writing For any debit outside of this specified range, we will send you a notice Your Deposit Account Information If there is any missing or erroneous information concerning your Deposit Account or the financial institution that holds it, then you authorize us to verify and correct such information You have given us certain information about your Deposit Account so that we can verify the account number and routing number and you acknowledge that your Deposit Account is a legitimate, open, and active account Fees Your Financial Institution May Charge You For Rejected Payments You understand that the financial institution holding your Deposit Account may impose additional fees in connection with returned or rejected EFTs, and you agree that we do not have any liability regarding any such fees.IN THE EVENT THAT YOU DO NOT HAVE SUFFICIENT FUNDS IN YOUR DEPOSIT ACCOUNT TO COVER THE AMOUNT OF ANY EFT AUTHORIZED HERE, YOU SHOULD CONTACT US AT LEAST THREE BUSINESS DAYS IN ADVANCE OF OUR INITIATING THE EFT SO THAT WE CAN STOP THE EFT AND ARRANGE FOR AN ALTERNATIVE METHOD OF REPAYMENT. Full Force and Effect This Payment Authorization will remain in full force and effect until (i) we have received notification from you, as instructed above, of its termination in such time and in such manner as to afford us and the financial institution holding the Deposit Account a reasonable opportunity t0 act 0n it, 0r (ii) upon full and final payment 0f the amount you owe us under this Agreement. Optional Nature 0f Authorization Please note that you are not required t0 authorize us t0 initiate EFTS for your installment payments t0 enter into this Agreement. You have the option 0f arranging t0 make your installment payments by a method that does not involve EFTS. You agree that making your installment payments by EFT is for your convenience. By signing this Payment Authorization and by entering the last four digits 0f your Social Security Number below and clicking the “I AGREE” button below, you acknowledge that you are voluntarily choosing t0 make your installment payments by EFT. SECURITY. Pursuant t0 Comment 2(a)(25) 0f the Federal Reserve Board Official Staff Commentary t0 Regulation Z §1026.2, we have disclosed t0 you that our interest in the ACH Authorization is a security interest for Truth in Lending purposes only, because Federal and California law d0 not clearly address whether our interest in the ACH Authorization is a "security interest." WAIVER OF JURY TRIAL. Subj ect t0 the Arbitration Provision, if you sign this Agreement you waive your right t0 have a jury trial t0 resolve any dispute you may have against us 0r a related third party. This Waiver 0f Jury Trial provision does not apply t0 you if, at the time of entering into this Agreement, you are a member 0f the armed forces 0r a dependent 0f such a member covered by the Federal Military Lending Act. DEFAULT AND ACCELERATION. Subj ect t0 any applicable law which may require that we notify and/or give you a right t0 cure your default, we may declare you in default under this Agreement for any 0f the following reasons (i) if you d0 not pay in full a payment in accordance with the Payment Schedule 0r any adjusted payment schedule subsequently agreed t0 by you and us and confirmed by us in writing; (ii) if you Violate any promise you make t0 us in this Agreement; (iii) if you file for protection under the United States Bankruptcy Code, 0r become subject t0 a proceeding which seeks relief from debt; (iv) if you have made a false 0r misleading statement about an important matter in connection with this Agreement, including your application for credit; or (V) you die 0r become legally incompetent. In the event 0f default, we may (i) declare the entire outstanding balance that you owe under this Agreement, and if applicable, any other charges permitted by law, immediately due and payable; (ii) proceed t0 reduce our claim t0 a judgment in accordance with applicable law; and (iii) exercise any other rights we have under this Agreement 0r the law T0 the extent permitted by applicable law, you agree t0 pay our court costs, reasonable attorneys’ fees and other collection costs related t0 the default. North Dakota and Wisconsin Residents Pursuant t0 applicable law, n0 provision(s) in this Agreement providing for the payment 0f attorneys’ fees by You shall apply. NON-WAIVER OF OUR RIGHTS. By choosing any one 0r more 0f these remedies listed above, we d0 not give up our right t0 use another remedy later. By deciding not t0 use any remedy should you be in default, we d0 not give up our right t0 consider the event a default if it happens again. We may delay 0r refrain from enforcing any 0f our rights under this Agreement without waiving such rights. You understand that any waiver 0f our rights will not be effective unless it is in writing signed by us. CREDIT REPORTING. We may report information about your Loan t0 credit bureaus. Late payments, missed payments 0r other defaults 0n your Loan may be reflected in your credit report. If you believe that any information about your Loan that we have furnished t0 a consumer reporting agency is inaccurate, 0r if you believe that you have been the Victim 0f identity theft in connection With any Loan made by us, write t0 us at NC Financial Solutions 0f California, LLC. Attn: General Counsel, 175 W. Jackson Blvd., Suite 1000, Chicago, IL 60604. In your letter (i) provide your name and Loan number, (ii) identify the specific information that is being disputed, (iii) explain the basis for the dispute and (iv) provide any supporting documentation you have that substantiates the basis 0f the dispute. If you believe that you have been the Victim 0f identity theft, submit an identity theft affidavit 0r identity theft report. GOVERNING LAW AND EXECUTION. This Agreement (other than the Arbitration Provision) and all related disputes are governed by the laws of the United States and the State of California. Except as provided in the ARBITRATION PROVISION, if any provision of this Agreement is determined to be void or unenforceable under any applicable law, rule 0r regulation, all other provisions of this Agreement will remain valid and enforceable. This Agreement is a final expression 0f the agreement between you and us and this Agreement may not be contradicted by evidence 0f any alleged oral agreement. The terms of this Agreement may not be changed except in a writing signed by you and us. No change shall release any party from liability unless otherwise expressly stated in writing. A11 of our rights are cumulative. Ifwe approve this Agreement, then you agree that this Agreement will be binding and enforceable as t0 both parties. CORRESPONDENCE. A11 notices to us must be sent Via fax at 855-878-1068 or e-mail at wpm@netcredit.com (“the Notice Address”), with such attention as may be specified in this Agreement. T0 the extent permitted under applicable law, any notice you send us will not be effective until we receive and have had a reasonable opportunity t0 act 0n such notice. Any written or electronic correspondence we send to you will be effective and deemed delivered When sent in accordance with any authorization for electronic communications you execute or mailed to you at your mail address, as it appears 0n our records. BANKRUPTCY. A11 bankruptcy notices and related correspondence to us must be sent to the Notice Address, Attn: Bankruptcy Notice. You promise that you have n0 current intent t0 file any bankruptcy petition and have not consulted a bankruptcy attorney in the past six months. CHANGE IN CIRCUMSTANCES. You must notify us of any changes t0 your name, mailing or email address, 0r phone number (including your cell phone number) within fifteen (1 5) days by writing us at the Notice Address or going on the Website. We will rely on your mail and email addresses as they appear on our records for any and all communications we send you by mail or email unless and until either you or, in the case of your mailing address, the U.S. Postal Service, notifies us of a change of address and we have had a reasonable opportunity t0 act 0n such notice PARTIAL PAYMENTS MARKED PAYMENT IN FULL; SETTLEMENTS. Any check or other payment you send us for less than the total outstanding balance due under this Agreement that is marked “payment in full” or with any similar language 0r that you otherwise tender as full satisfaction of a disputed amount must be sent to NetCredit, P.O. Box 206766, Dallas, TX 75320-6766. We may deposit any such payment without such deposit effecting a satisfaction of the disputed amount. Any settlement of your Account balance for less than What is owed requires our written agreement. INADVERTENT OVERCHARGES It is not our intention to charge any interest, fees or other amounts in excess of those permitted by applicable law or this Agreement. If any interest, fee or other amount is determined to be in excess of that permitted by applicable law 0r this Agreement, the excess amount will be applied to reduce the outstanding balance due under this Agreement 0r, if there is no outstanding balance, will be refunded to you. CREDIT REPORTS; CREDIT HISTORY. You authorize us to obtain credit and other reports about you from time t0 time. CONTACTING YOU; PHONE AND TEXT MESSAGES; CALL RECORDING. You authorize us and our assignees and the affiliates, agents, representatives, assigns and service providers 0f us and our assignees (collectively, the “Messaging Parties”) t0 contact you using automatic telephone dialing systems, artificial 0r prerecorded voice message systems, text messaging systems and automated email systems in order t0 provide you with information about this Agreement, including information about upcoming payment due dates, missed payments and returned payments. You authorize the Messaging Parties t0 make such contacts using any telephone numbers (including wireless, landline and VOIP numbers) 0r email addresses you supply t0 the Messaging Parties in connection with this Agreement, the Messaging Parties' servicing and/or collection 0f amounts you owe the Messaging Parties 0r any other matter. You understand that anyone with access t0 your telephone 0r email account may listen t0 0r read the messages the Messaging Parties leave 0r send you, and you agree that the Messaging Parties will have n0 liability for anyone accessing such messages. You further understand that, when you receive a telephone call, text message 0r email, you may incur a charge from the company that provides you with telecommunications, wireless and/or Internet services, and you agree that the Messaging Parties will have n0 liability for such charges. You expressly authorize the Messaging Parties t0 monitor and record your calls with the Messaging Parties. You understand that, at any time, you may withdraw your consent t0 receive text messages and calls t0 your cell phone 0r t0 receive artificial 0r prerecorded voice message system calls by calling the Messaging Parties at 877-392-2014. T0 stop text messages, you can also simply reply “STOP” t0 any text message the Messaging Parties send you. T0 stop emails, you can follow the opt-out instructions included at the bottom 0f the Messaging Parties' emails. ASSIGNMENT. We may sell 0r otherwise transfer our rights under this Agreement and amounts owed by you t0 another creditor at any time. Ifwe do, this Agreement will remain in effect You may not transfer your rights under this Agreement Any attempt t0 d0 so will be void. MILITARY LENDING ACT. General The Military Lending Act provides protections for certain members 0f the Armed Forces and their dependents (“Covered Borrowers”). The provisions 0f this section apply t0 Covered Borrowers. If you would like more information about Whether you are a Covered Borrower and Whether this section applies t0 you, please contact us at 877-392-2014. Statement ofMAPR Federal law provides important protections t0 members 0f the Armed Forces and their dependents relating t0 extensions 0f consumer credit. In general, the cost 0f consumer credit t0 a member 0f the Armed Forces and his 0r her dependent may not exceed an Annual Percentage Rate 0f 36 percent. This rate must include, as applicable t0 the credit transaction 0r account: (1) the costs associated With credit insurance premiums; (2) fees for ancillary products sold in connection With the credit transaction; (3) any application fee charged (other than certain application fees for specified credit transactions 0r accounts); and (4) any participation fee charged (other than certain participation fees for a credit card account). Oral Disclosures Before signing this Agreement, in order t0 hear important disclosures and payment information about this Agreement, please call 877-392-2014. Covered Borrowers Savings Clause The provisions 0f this Paragraph apply only t0 a “Covered Borrower” as that term is defined by 32 C.F.R. § 232.3(g). If any contract provision not identified herein is contrary t0 the rights and protections afforded t0 you by Federal law pursuant t0 10 U.S.C. § 987 and its implementing regulations, including, but not limited t0 32 C.F.R. § 232.8, then the conflicting provisions 0r proscribed terms are inoperative, and shall have n0 force and effect. However, all remaining contract terms and provisions not proscribed 0r prohibited shall remain in full force and effect. MISCELLANEOUS. The section headings used in this Agreement are for convenience 0f reference only and d0 not in any way limit 0r define your 0r our rights 0r obligations hereunder. If any provision 0f this Agreement is invalid 0r unenforceable under any law, rule 0r regulation, it shall not affect the validity 0r enforceability 0f any other provision 0f this Agreement. Except as otherwise provided in this Agreement 0r as required by applicable law, we will not be responsible for any claim 0r defense you may have against any third party that arises out 0f 0r in connection with this Agreement. ARBITRATION PROVISION. Arbitration is a process in which persons with a dispute(s): (a) agree t0 submit their dispute(s) t0 a neutral third person (an “arbitrator“) for a decision; and (b) waive their rights t0 file a lawsuit in court t0 resolve their dispute(s). Each party t0 the dispute(s) has an opportunity t0 present some evidence t0 the arbitrator. Pre-arbitration discovery may be limited. Arbitration proceedings are private and less formal than court trials. The arbitrator will issue a final and binding decision resolving the dispute(s), which may be enforced as a court judgment. A court rarely overturns an arbitrator's decision. THIS ARBITRATION PROVISION APPLIES UNLESS (1) YOU HAVE EXERCISED OR EXERCISE YOUR RIGHT TO REJECT ARBITRATION OR (2) AS OF THE DATE OF THIS AGREEMENT, YOU ARE A MEMBER OF THE ARMED FORCES OR A DEPENDENT OF SUCH MEMBER COVERED BY THE FEDERAL MILITARY LENDING ACT. IF YOU WOULD LIKE MORE INFORMATION ABOUT WHETHER YOU ARE COVERED BY THE MILITARY LENDING ACT, IN WHICH CASE THIS ARBITRATION PROVISION DOES NOT APPLY TO YOU, PLEASE CONTACT US AT 877-392-2014. READ THIS ARBITRATION PROVISION CAREFULLY AS IT WILL HAVE A SUBSTANTIAL IMPACT ON HOW LEGAL CLAIMS YOU AND WE HAVE AGAINST EACH OTHER ARE RESOLVED. YOU HAVE THE RIGHT TO OPT-OUT OF (NOT BE BOUND BY) THIS ARBITRATION PROVISION AS DESCRIBED BELOW. IF YOU DO NOT DO SO: 1. YOU ARE WAIVING YOUR RIGHT TO HAVE A JURY OR A COURT, OTHER THAN A SMALL CLAIMS COURT OR SIMILAR COURT OF LIMITED JURISDICTION, RESOLVE ANY CLAIM THAT IS SUBJECT TO ARBITRATION; and 2. YOU ARE WAIVING YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, AND/OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN COURT OR IN ARBITRATION WITH RESPECT TO ANY CLAIM THAT IS SUBJECT TO ARBITRATION. THEREFORE, YOU ACKNOWLEDGE AND AGREE AS FOLLOWS: Interstate Commerce This Arbitration Provision is made pursuant t0 a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act (“FAA”), 9 U S C § 1 et seq , and not by any state arbitration law mp; For purposes 0f this Arbitration Provision, the word “Claim” has the broadest possible meaning and includes, without limitation (a) all federal 0r state law claims, disputes 0r controversies, whether preexisting, present 0r future, arising from 0r relating directly 0r indirectly t0 this Agreement, the information you gave us before entering into this Agreement, including your application, and/or any past agreement 0r agreements between you and us, any loan 0r credit product 0r related product 0r services obtained from us and any advice, recommendations, solicitations, communications, disclosures, promotions 0r advertisements concerning the same; (b) all initial claims, counterclaims, cross claims and third party claims and claims which arose before the effective date 0f this Arbitration Provision; (c) all common law claims, based upon contract, tort, fraud, 0r other intentional torts; (d) all claims based upon a Violation 0f any local, state 0r federal constitution, statute, ordinance or regulation, including without limitation all claims alleging unfair, deceptive 0r unconscionable trade practices; (e) all claims asserted by us against you, including claims for money damages to collect any sum we claim you owe us; (f) all claims asserted by you individually against us and/or any of our employees, directors, officers, shareholders, governors, managers, members, parent company or affiliated entities, or assignees (including but not limited to NetCredit) or against the servicer 0f your Loan (including but not limited t0 NetCredit) (hereinafter collectively referred t0 as “related third parties“), including claims for money damages, restitution and/or equitable or injunctive relief; (g) claims asserted by you against other persons and entities ifyou assert a Claim against such other persons and entities in connection with a Claim you assert against us or related third parties; and (h) all data breach or privacy claims arising from or relating directly or indirectly to the disclosure by us 0r related third parties of any non-public personal information about you. Notwithstanding the foregoing, the word “Claim” does not include any dispute or controversy about the validity, enforceability, coverage or scope of this Arbitration Provision or any part thereof (including, without limitation, the Class Action Waiver set forth below and/or this sentence); all such disputes or controversies are for a court and not an arbitrator to decide However, any dispute 0r controversy that concerns the validity 0r enforceability of the Agreement as a whole is for the arbitrator, not a court, to decide In addition, this Arbitration Provision Will not apply to (1) any individual action brought by you in small claims court or your state’s equivalent court, unless such action is transferred, removed, or appealed to a different court; or (2) any disputes that are the subject of a class action filed in court that is pending as of the effective date of this Arbitration Provision in which you are alleged t0 be a member of the putative class for as long as such class action is pending. Class Action Waiver Notwithstanding any other provision 0f this Arbitration Provision, if either you 0r we elect t0 arbitrate a Claim, neither you nor we will have the right: (a) to participate in a class action, private attorney general action or other representative action in court 0r in arbitration, either as a class representative 0r class member, 0r (b) t0 join 0r consolidate Claims with Claims 0f any other persons. N0 arbitrator shall have authority t0 conduct any arbitration in violation 0f this provision 0r t0 issue any relief that applies t0 any person 0r entity other than you and/or us individually. (Provided, however, that the Class Action Waiver does not apply t0 any lawsuit 0r administrative proceeding filed against us by a state 0r federal government agency even when such agency is seeking relief 0n behalf 0f a class 0f borrowers including you. This means that we will not have the right t0 compel arbitration 0f any claims brought by such an agency). The parties t0 this Arbitration Provision acknowledge that the Class Action Waiver is material and essential t0 the Arbitration Provision. If the Class Action Waiver is limited, voided 0r found unenforceable, then the parties’ Arbitration Provision (except for this sentence) shall be null and void With respect t0 such proceedings, subject t0 the right t0 appeal the limitation 0r invalidation 0f the Class Action Waiver. The parties acknowledge and agree that under n0 circumstances will a class action be arbitrated. Electing Arbitration A party may elect arbitration of a Claim by sending the other party written notice by certified mail return receipt requested of their intent to arbitrate and setting forth the subj ect of the dispute along With the relief requested. Your notice must be sent to NC Financial Solutions of California, LLC. Attn: General Counsel, 175 W. Jackson Blvd., Suite 1000, Chicago, IL 60604, and our notice must be sent to the most recent address for you in our files. If a lawsuit concerning the Claim has been filed, such notice can be provided by papers filed in the lawsuit. Administrator Regardless ofwho demands arbitration, you shall have the right to select either of the following arbitration organizations to administer the arbitration the American Arbitration Association, 1633 Broadway, 10th Floor, New York, NY 10019 (1 800 778-7879), h_ttp://Www.adr.org; or JAMS, 8401 N. Central Expressway, Suite 610, Dallas, TX 75225 (1-800-352-5267), h_ttp_//jamsadr com However, the parties may agree to a local arbitrator who is an attorney, retired judge, 0r arbitrator registered and in good standing with a bona fide arbitration association and arbitrate pursuant to the arbitrator’s rules. If the AAA and JAMS are unable or unwilling to serve as administrator, or the parties are unable to agree upon another administrator, a court shall determine the administrator or arbitrator. The arbitration hearing Will take place at a location reasonably convenient to where you reside Ifyou demand arbitration, you must inform us in your demand of the arbitration organization you have selected or Whether you desire to select a local arbitrator If related third parties 0r we demand arbitration, you must notify us within 20 days in writing by certified mail, return receipt requested, of your decision to select an arbitration organization or your desire t0 select a local arbitrator Your notice must be sent to NC Financial Solutions of California, LLC Attn General Counsel, 175 W. Jackson B1Vd., Suite 1000, Chicago, IL 60604. Ifyou fail to notify us, then we have the right to select an arbitration organization The arbitration Will be governed by the rules and procedures of this arbitration organization applicable to individual consumer disputes. You may get a copy of the rules and procedures by contacting the arbitration organization listed above In an event of a conflict between the provisions of the Arbitration Provision, on the one hand, and any applicable rules 0f the AAA or JAMS or other administrator used or any other terms of this Agreement, 0n the other hand, the provisions of this Arbitration Provision shall control If a party files a lawsuit in court asserting Claim(s) that are subj ect to arbitration and the other party files a motion to compel arbitration With the court which is granted, it will be the responsibility of the party prosecuting the C1aim(s) to select an arbitration administrator in accordance With this paragraph and commence the arbitration proceeding in accordance with the administrator’s rules and procedures. Arbitrator and Award Any arbitrator must be a practicing attorney with ten or more years 0f experience or a retired judge. The arbitrator will not be bound by judicial rules of procedure or evidence that would apply in a court, nor by state 0r local laws that relate to arbitration proceedings. The arbitrator will apply the same statues of limitations and privileges that a court would apply if the matter were pending in court. The arbitrator may decide, With or Without a hearing, any motion that is substantially similar t0 a motion t0 dismiss for failure to state a claim or a motion for summary judgment. In determining liability or awarding damages or other relief, the arbitrator will follow the applicable substantive law, consistent with the FAA, which would apply if the matter had been brought in court. The arbitrator may award any damages or other relief or remedies that would apply under applicable law to an individual action brought in court, including, Without limitation, punitive damages (Which shall be governed by the Constitutional standards employed by the courts) and injunctive, equitable and declaratory relief (but only in favor 0f the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim). Fees and Costs At your written request, we will pay all filing, hearing and/or other fees charged by the administrator and arbitrator to you for C1aim(s) asserted by you in an individual arbitration after you have paid an amount equivalent to the fee, if any, for filing such Claim(s) in state or federal court (whichever is less) in the judicial district in which you reside. (If you have already paid a filing fee for asserting the Claim(s) in court, you will not be required to pay that amount again). We will not seek reimbursement of such fees from you even ifwe prevail in the arbitration. In addition, the administrator may have a procedure whereby you can seek a waiver of fees charged to you by the administrator and arbitrator. We will always pay any fees or expenses that we are required to pay by law or the administrator’s rules or that we are required to pay for this Arbitration Provision to be enforced. The arbitrator Will have the authority to award fees and costs of attorneys, witnesses and experts to the extent permitted by this Agreement, the administrator’s rules or applicable law. With respect t0 Claim(s) asserted by you in an individual arbitration, we Will pay your reasonable attorney, witness and expert fees and costs if and t0 the extent you prevail, if applicable law requires us to or ifwe must bear such fees and costs in order for this Arbitration Provision to be enforced. At the timely request of either party, the arbitrator shall write a brief explanation of the grounds for the decision. APPe-al The arbitrator’s award shall be final and binding on all parties, except for any right of appeal provided by the FAA. However, if the amount in controversy exceeds $50,000, and if permitted by the Administrator’s rules, you 0r we can, within 14 days after the entry of the award by the arbitrator, appeal the award t0 a three-arbitrator panel administered by the Administrator The panel shall reconsider anew any aspect of the initial award requested by the appealing party The decision of the panel shall be by majority vote. Unless the parties agree otherwise and to the extent feasible, the appeal Will be conducted pursuant t0 0r modeled after the JAMS Optional Appeal Procedure, available at mean the panel if an appeal of the arbitrator’s decision has been taken The costs of such an appeal will be borne in accordance With the paragraph above titled “Fees and Costs.” Any final decision 0f the appeal is subject to judicial review only as provided under the FAA A judgment on the award may be entered by any court having jurisdiction Notice and Cure;_Special Payment Prior to initiating a Claim, you may send us a written Claim Notice. In order for a Claim Notice to be valid and effective, it must (a) state your name, address and loan number; (b) be signed by you; (c) describe the basis 0f your Claim and the amount you would accept to resolve the Claim; (d) state that you are exercising your rights under the “Notice and Cure” paragraph 0f the Arbitration Provision; and (e) be sent t0 us by certified mail, return receipt requested, at NC Financial Solutions 0f California, LLC. Attn: General Counsel, 175 W. Jackson B1Vd., Suite 1000, Chicago, IL 60604. This is the sole and only method by which you can submit a Claim Notice Upon receipt 0f a Claim Notice, we will credit you for the standard cost 0f a certified letter. You must give us a reasonable opportunity, not less than 30 days, t0 resolve the Claim. If, and only if, (i) you submit a Claim Notice in accordance with this paragraph 0n your own behalf (and not 0n behalf 0f any other party); (ii) you cooperate with us by promptly providing the information we reasonably request; (iii) we refuse t0 provide you with the relief you request before an arbitrator is appointed; and (iv) the matter then proceeds t0 arbitration and the arbitrator subsequently determines that you were entitled t0 such relief (0r greater relief), you will be entitled t0 a minimum award 0f at least $7,500 (not including any arbitration fees and attorneys’ fees and costs t0 which you will also be entitled). We encourage you t0 address all Claims you have in a single Claim Notice and/or a single arbitration. Accordingly, this $7,500 minimum award is a single award that applies t0 all Claims you have asserted 0r could have asserted in the arbitration, and multiple awards 0f $7,500 are not contemplated. OPT-OUT PROCESS. You may choose t0 opt out 0f this Arbitration Provision but O_nly by following the process set forth below. If you d0 not wish t0 be subject t0 this Arbitration Provision, then you must notify us in writing postmarked within sixty (60) calendar days 0f the date 0f this Agreement at the following address: NC Financial Solutions 0f California, LLC. Attn: General Counsel, 175 W. Jackson Blvd., Suite 1000, Chicago, IL 60604. Your notice must be sent t0 us by certified mail, return receipt requested. Upon receipt 0f an Opt-Out Notice, we will credit you for the standard cost 0f a certified letter. Your Opt-Out Notice must include your name, address, Social Security number, the date 0f this Agreement, a statement that you wish t0 opt out 0f the Arbitration Provision and must not be sent with any other correspondence. Indicating your desire t0 opt out 0f this Arbitration Provision will not affect your other rights 0r responsibilities under this Agreement, and applies only t0 this Arbitration Provision between you and us. Binding Effect; Survival; Severability This Arbitration Provision is binding upon and benefits you, your respective heirs, successors and assigns. The Arbitration Provision is binding upon and benefits us, our successors and assigns, and related third parties. The Arbitration Provision shall survive any bankruptcy t0 the extent consistent with applicable bankruptcy law. The Arbitration Provision survives any termination, amendment, expiration 0r performance 0f this Agreement and any transaction between you and us and continues in full force and effect unless you and we otherwise agree in writing. If any part 0f this Arbitration Provision, other than the Class Action Waiver, is deemed 0r found t0 be unenforceable for any reason, the remainder shall be enforceable. CONSENT TO ELECTRONIC DISCLOSURES T0 apply for and obtain a loan through us, you must agree t0 receive all information and disclosures regarding your loan electronically By electronically signing this document (the “Consent”), you agree that o Any information provided t0 you in connection with your transaction, including, but not limited t0, this Consent, your Loan Agreement, 0n going communications with you regarding your loan, and other legally required notices, disclosures and information, will be provided by electronic communication. o You may contact us in writing at 175 W Jackson Blvd , Suite 1000, Chicago, IL 60604 0r phone at 877 392 2014 t0 (i) obtain a paper copy 0f any communication at n0 charge; (ii) withdraw your Consent t0 receive information electronically; 0r (iii) change the e mail address at which you receive communications from us There are n0 conditions, consequences, 0r fees associated with withdrawing your consent other than that we would n0 longer communicate with you electronically o T0 receive electronic communications in connection with this transaction, you will need a working Internet connection and a browser that supports Transport Layer Security (TLS) 1 0 0r greater with a 128 bit encryption These features are available in the current versions 0f popular browsers such as Firefox, Internet Explorer, Google Chrome, and Safari You will also need the ability t0 either print electronic communications 0r store them t0 your hard drive (500 KB 0f storage per message is typically sufficient). IMPORTANT NOTICES REQUIRED BY LAW California Residents You agree that we may access your credit report in connection with any transaction, or extension of credit, and on an ongoing basis, for the purpose of reviewing this Agreement, taking collection action on this Agreement, or for any other legitimate purposes associated With this Agreement Upon your request, you will be informed of Whether or not a consumer credit report was ordered, and if it was, you will be given the name and address of the consumer reporting agency that furnished the report As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency ifyou fail to fulfill the terms of your credit obligations. Broker You represent and warrant that no person has performed any act as a broker in connection with the making of this loan. By clicking the "I AGREE" button below and providing any additional information as may be requested below, you understand and acknowledge that you are taking the following three (3) separate actions: 1. PAYMENT AUTHORIZATION By typing in the last four digits 0f your Social Security number below and clicking the “I Agree” button below, you are electronically signing the Payment Authorization and you certify that you have fiJlly read and understood the sections of this Agreement captioned "PAYMENT AUTHORIZATION" and " ELECTRONIC FUND TRANSFER AUTHORIZATION FOR YOUR LOAN PROCEEDS", you agree t0 comply with, and be bound by, their terms and you agree and understand that you are authorizing us to credit your Deposit Account with the proceeds 0f your Loan and t0 seek payment from this Deposit Agreement for the amounts owed under this Agreement as set forth in those sections. Enter the last 4 digits of your Social Security Number Please note that we separately authenticate the above electronic signature when you click the "I Agree" button below 2. AGREEMENT TO INSTALLMENT LOAN AGREEMENT By entering your name and social security number below and clicking the “I AGREE” button below, you are electronically signing this Agreement and acknowledging that (a) you understand that NetCredit, would be your lender under the above Agreement; (b) the Agreement was filled in before you signed and that you have reviewed the entire Agreement including the FEDERAL TRUTH IN LENDING DISCLOSURES; (c) you have reviewed and agree to NetCredit‘s PRIVACY POLICY; (d) you acknowledge that your right t0 file suit against us for any claim or dispute regarding this Agreement is limited by the WAIVER and ARBITRATION provisions; (e) you represent that you are not a debtor under any proceeding in bankruptcy and have no intention to file a petition for relief under any chapter of the United States Bankruptcy Code; and (t) you acknowledge that you have read and understood all of the terms of this Agreement, including the provisions mentioned above and you agree to comply with, and be bound by, all of those terms. Please note that When you click the 'I Agree' button below, we authenticate your electronic signature and we also separately authenticate your electronic signature for the PAYMENT AUTHORIZATION that you separately and voluntarily entered above YOU SHOULD PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS. AN ELECTRONIC COPY WILL BE MAINTAINED ON THIS WEBSITE IN YOUR PASSWORD PROTECTED CUSTOMER HISTORY Any comments 0r questions may be directed t0 Customer Comment Line at the following toll-free number: 877-392- 2014 0r via e mail to s_uppo_rt@netcredit.com. CAUTION: IT IS IMPORTANT THAT YOU THOROUGHLY READ THE CONTRACT BEFORE YOU SIGN IT. THIS AGREEMENT INCLUDES AN ARBITRATION PROVISION. UNLESS YOU PROPERLY REJECT THE ARBITRATION PROVISION OR ARE A MEMBER OF THE ARMED FORCES OR A DEPENDENT OF SUCH A MEMBER COVERED BY THE FEDERAL MILITARY LENDING ACT, THE ARBITRATION PROVISION WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE WITH US. FOR EXAMPLE, IF WE ELECT TO REQUIRE YOU TO ARBITRATE ANY CLAIM, YOU WILL NOT HAVE THE RIGHT TO A JURY TRIAL OR THE RIGHT TO PARTICIPATE IN A CLASS ACTION IN COURT OR IN ARBITRATION. 3. CONSENT TO ELECTRONIC COMMUNICATIONS AND ELECTRONIC SIGNATURES By clicking the “I AGREE” button below, you are confirming that: (1) your system meets the requirements set forth above in the Consent t0 Electronic Communications (the “Consent”); (2) you agree t0 receive all communications electronically and otherwise agree t0 the terms and conditions 0f the Consent; and (3) you are able t0 access and print 0r store information presented at this website. By clicking the “I AGREE” button below, you have consented t0 sign this Agreement using an electronic signature, you intend: (i) your electronic signature t0 be an electronic signature under applicable federal and state law; (ii) any printout 0f an electronic record 0f this Agreement and related notices t0 be an original document; (iii) t0 conduct business with Lender by electronic records and electronic signatures; and (iv) this Agreement will not be governed by Article 3 0f the Uniform Commercial Code. NOTICE TO BORROWER (a) DO NOT SIGN THIS AGREEMENT BEFORE YOU READ THE WRITING ABOVE, EVEN IF OTHERWISE ADVISED. CAUTION-IT IS IMPORTANT THAT YOU (b) DO NOT SIGN THIS AGREEMENT IF IT CONTAINS ANYBLANK SPACES. THOROUggFl‘gRlfiEégggléggfiEm/[ENT (c) YOU ARE ENTITLED T0 AN EXACT COPY 0F ANY ° AGREEMENT YOU SIGN. (d) YOU HAVE THE RIGHT AT ANY TIME TO PAY IN ADVANCE THE UNPAID BALANCE DUE UNDER THIS AGREEMENT WITHOUT PENALTY. By clicking "I Agree" below, I understand that an inquiry will be run 0n my credit report, which may impact my credit score. Signature block: Signed At: 10: 1 8 PM 0n Au ust 15, 2017 Connected From: 70.213. 14.27 Signed By: Javier Jimenez XXX- XX- Signed As: Javier Jimenez XXX-XX Contract: {SHA} c8206f023 1 59cfeO63d477eca95b4a98df6043dc ACH Authorization: {SHA} 1eObe4c46a34a0d87af5a179015fa3b5495bb7lc NetCredit Signature Block: Signed at: 12:48 AM 0n August 17, 2017 Signed by: David Fisher, President, NC Financial Solutions, LLC, as sole member 0fNC Financial Solutions 0f California, LLC (d/b/a NetCredit) NetCredit: {SHA} 21f0ae322bf842631a9bdbf6128f049fb5 1 98957 EXHIBIT B loan number id account_id state first_name |ast_name loan id activity_type 8552 CA Javier Jimenez 282 payment 8552 CA Javier Jimenez 282 payment 8552 CA Javier Jimenez 282 payment 8552 CA Javier Jimenez 282 payment 8552 CA Javier Jimenez 282 payment 8552 CA Javier Jimenez 282 payment 8552 CA Javier Jimenez 282 payment 8552 CA Javier Jimenez 282 payment 8552 CA Javier Jimenez 282 payment 8552 CA Javier Jimenez 282 payment 8552 CA Javier Jimenez 282 payment 8552 CA Javier Jimenez 282 payment 8552 CA Javier Jimenez 282 payment 8552 CA Javier Jimenez 5282 payment 8552 A Javier Jimenez 5282 payment 8552 A Javier Jimenez 5282 payment 8552 A Javier Jimenez 5282 payment 8552 A Javier Jimenez 5282 payment 8552 A Javier Jimenez 5282 payment 8552 A Javier Jimenez 5282 payment 8552 A Javier Jimenez 5282 payment 8552 A Javier Jimenez 5282 payment 8552 A Javier Jimenez 5282 payment 8552 A Javier Jimenez 5282 payment 8552 A Javier Jimenez 5282 payment 8552 A Javier Jimenez 5282 payment 8552 A Javier Jimenez 5282 payment 8552 A Javier Jimenez 5282 payment 8552 A Javier Jimenez 5282 payment 8552 A Javier Jimenez 5282 payment 8552 A Javier Jimenez 5282 payment 8552 A Javier Jimenez 5282 payment 8552 A Javier Jimenez 5282 default 8552 A Javier Jimenez 5282 default 8552 A Javier Jimenez 5282 default 8552 A Javier Jimenez 5282 default 8552 A Javier Jimenez 5282 default 8552 A Javier Jimenez 5282 default 8552 A Javier Jimenez 5282 default 8552 A Javier Jimenez 5282 default 8552 A Javier Jimenez 5282 default 8552 A Javier Jimenez 5282 default 8552 A Javier Jimenez 5282 call_due event_effective_date agency_id activity_amount past_due_ba|ance_outstanding 9/7/2017 6 143.67 0 9/21/2017 6 143.67 0 10/5/2017 6 143.67 0 10/19/2017 6 143.67 0 11/2/2017 6 143.67 0 11/16/2017 6 143.67 0 11/30/2017 6 143.67 0 12/14/2017 6 143.67 0 12/28/2017 6 143.67 0 1/11/2018 6 143.67 0 1/25/2018 6 143.67 0 2/8/2018 6 143.67 0 2/22/2018 6 143.67 0 3/8/2018 6 143.67 0 3/22/2018 6 143.67 0 4/5/2018 6 143.67 0 4/19/2018 6 143.67 0 5/3/2018 6 143.67 0 5/17/2018 6 143.67 0 5/31/2018 6 143.67 0 6/14/2018 6 143.67 0 6/28/2018 6 143.67 0 7/12/2018 6 143.67 0 7/26/2018 6 143.67 0 8/9/2018 6 143.67 0 8/23/2018 6 143.67 0 9/6/2018 6 143.67 0 9/20/2018 6 143.67 0 10/4/2018 6 143.67 0 10/18/2018 6 143.67 0 11/1/2018 6 143.67 0 11/15/2018 6 143.67 0 11/30/2018 6 143.67 143.67 12/14/2018 6 143.67 287.34 12/28/2018 6 15 589.68 12/28/2018 6 143.67 1179.36 1/11/2019 6 158.67 748.35 1/25/2019 6 158.67 907.02 2/8/2019 6 158.67 1065.69 2/22/2019 6 158.67 1224.36 3/8/2019 6 158.67 1383.03 3/22/2019 6 158.67 1541.7 4/1/2019 6 2982.55 4524.25 \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO Eifitnrnlraliy Christopher D. Mandarich SB 220693 ”summrcw‘flfi'wnh'm “5"” ”m” Ajay Sood SB325294 D7“- 10/29/2021 Hayk Stambultsyan SB320973 WM | Martin Weingarten SB 201906 Fermi [era MANDARICH LAW GROUP, LLP P.O. Box 109032 Chicago, IL 60610 Phone: 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintifl: Velocity Investments LLC SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - UNLIMITED Velocity Investments LLC, Case N021 -C|V-05833 Plaintiff, COMPLAINT FOR: vs. 1. ACCOUNT STATED Mark Ram, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant DEMAND: $40,502.45 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1.P1aintiff is and at all times herein mentioned, Velocity Investments LLC, and successor in interest to original creditor, WebBank. 2.P1aintiff is the only entity that purchased the debt after charge-off and its name and address is as follows: Velocity Investments LLC 1800 Route 34N Suite 404A Wall NJ 07719. 3.P1aintiff is a debt buyer, and is the sole owner of the debt at issue. 4.The charge-off creditor at the time of charge-off is MPLI CAPITAL HOLDINGS (SERVICED BY LENDING CLUB), 595 MARKET STREET, #200 SAN FRANCISCO, CA 94105, and the account number associated With this debt is XXXXX5187. 5.Plaintiff is informed and believes that Defendant are individuals Who currently reside Exhibit "91 " COMPLAINT-l of 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO Within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the proper Court for trial 0f this action. 6.The name and last known address of the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0f the debt is Mark Ram, 1743 MARCO POLO WAY , BURLINGAME, CA 9401. 7.P1aintiff is unaware of the true names 0r capacities, Whether individual, corporate, associate or otherwise ofthe Defendant sued herein as DOES 1 through 10 inclusive, and therefore, sued the Defendant by such fictitious names. PlaintiffWill amend this Complaint t0 show their true names and capacities once ascertained. 8.Plaintiff believes and at all times mentioned herein, each of the Defendant was, and is, the agent, servant and employee, employer of each of the other Defendant, and also acted in the capacity 0f and as agent of the other Defendant. Plaintiff also believes that the individual Defendant, and each 0f them, are jointly and severally liable that the actions described herein were taken as actions for the benefit of the Defendant's separate and/or community property. 9.Plaintiff believes that, for value received, Defendant and each 0f them, executed and delivered a credit card application to the original creditor, WebBank 0r made such application over the telephone or Internet. Pursuant to the aforementioned application, WebBank provided Defendant with a credit account, and granted use privileges 0n the same, account number XXXXXS 1 87 (hereinafter “Account”). 10.Pri0r t0 the commencement 0f this action, the Account was assigned for value t0 the Plaintiff and Plaintiff is its current holder. 11.Defendant agreed t0 repay WebBank and any successors in interest, for any charges on the Account including, but not limited to, charges for purchase of goods and service and/or cash advances and balance. 12.Defendant used the Account to make purchases and/or to take cash advances and/or t0 make balance transfers. Each time the Defendant used the Account t0 purchase goods and services COMPLAINT-2 of 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement to repay WebBank and its successors in interest for the amount of the purchase and/or cash advances and/or balance transfers. 13.Month1y statements were sent to Defendant Which itemized all payments made and charges due on the Account. 14.The date of last payment 0n the subject account was 0n September 19, 2019. 15.Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected to pay amounts due 0n the Account. 16.The debt balance at Charge-off was $40,502.45, and upon information and belief there is $0.00 in post charge off fees and $0.00 in post charge off interest. 17.Subsequent t0 charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $40,502.45. 18.A1th0ugh demand has been made upon said Defendant to pay said amount, n0 part has been paid, and it is now due and owing. 19.Up0n information and belief, WebBank and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 20.P1aintiff has complied with California Civil Code Section 1788.52. 21.P1aintiff has attached hereto as Exhibit A and incorporated herein by reference a copy of Billing Statement and/or Account Records provided to the Defendant While the account was active, demonstrating that the debt was incurred by the Defendant as described in California Civil Code section 1788.52(b). 22.Plaintiff has attached hereto as Exhibit B and incorporated herein by reference a copy 0f the Final Billing Statement and/or Transaction History. 23.Up0n opening the Account With WebBank, the Defendant(s) agree to reimburse WebBank, and hence Plaintiff as successor in interest for the costs related to the collection 0f amounts owing on the Account. Plaintiff has been required to retain Mandarich Law Group, LLP COMPLAINT-3 0f 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO to pursue collection 0f the amount due hereunder. FIRST CAUSE OF ACTION (Account Stated) 24.P1aintiff refers to and incorporates paragraphs 1 through 23. 25.Within the past 4 years, an account was stated in writing in Which it was agreed that Defendant were indebted in the amount previously referenced herein. Although demand has been made upon Defendant, said amount 0f $40,502.45 has not been paid, and it is now due, owing and unpaid from Defendant to Plaintiff, as successor in interest. SECOND CAUSE OF ACTION (Open Book Account) 26.P1aintiff refers t0 and incorporates paragraphs 1 through 25. 27.Within the past 4 years, Defendant and each 0f them became indebted in the amount of the previously mentioned herein for a balance due on a book account for goods sold and delivered and/or services rendered by WebBank. Although demand has been made upon Defendant, said amount of $40,502.45 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 of 5 \OOOflQUl-I>WI\J>-‘ NNNNNNNNNr-tr-KHr-Kr-tr-tr-tr-tr-tr-t OOQQUl-RUJNF-‘OKDOOQONUl-hUJNF-‘O WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $40,502.45, 2. For reasonable attorneys fees pursuant to statute; 3. For costs of suit incurred; and 4. For such other and further relief as the Court deems just and proper. 5. Plaintiff remits all damages in excess of the jurisdictional amount 0f this Court. Dated: 10/28/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-S 0f 5 w: X]Christopher D. Mandarich, Esq. Attorneysfor Plaintifl EXHIBIT A Loan”): -2238 Copy of the Electronic Original® document managed by the eCore® On Demand (EODTM) Service. Date Signed: 4/1 8/201 9 Borrower Agreement (February 2019) The following Borrower Agreement ("Agreement") is between you (“you" and "your" mean each and every borrower, including anyjoint applicant/co-borrower) and WebBank, a Utah-chartered industrial bank (“we," or "us"). This Agreement governs the process by which you may make a request or requests for a loan from us through the website Lendingclub.com, including any subdomains thereof, or other application channels offered by us (collectively, the "Site") and operated by LendingClub Corporation (“LendingClub"). |f you make a loan request, and ifthat request results in a loan that is approved and funded by us, then your loan will be governed by the terms ofthe Loan Agreement and Promissory Note, which is attached to this Agreement as Exhibit A, and as it may be revised from time to time. The version in effect when you make a loan request will applyto any loan made in response to that request, and any secondary loan would be governed by the terms ofthe document then in effect. This Agreement will remain in effect for the applicable loan, and will terminate if your loan request is cancelled, withdrawn, or declined. BY ELECTRONICALLY SIGNING THIS AGREEMENT, YOU HAVE SIGNIFIED YOUR AGREEMENT TO THESE TERMS. ,the Loan be found in your right to opt out as set forth below. Each loan request is s bject to our cre tcriteria in effect at the time ofyour loan request. 2. Account Verification. In addition to our rights in section 23 below, you understand that ifwe are unable to verify your bank account for any reason, we will cancel your application, your loan request will not be posted on the Site, and this Agreement will be terminated. 3. Loan Requests. You may post a qualifying loan request on the Site. You may not post more than one loan request on the site at a time and you may not have more than two loans outstanding at any given time. You may post a loan request on the Site, and LendingClub investors ("Investors") will be able to review your loan request. Investors may commit to (i) purchase the loan by subsequently acquiring the loan itself, in whole or in part, from us or LendingClub or (ii) invest indirectly in your loan through the purchase ofsecurities issued or sold by LendingClub or another entity which has indirectly or directly acquired your loan from LendingClub. You acknowledge that an Investor's commitment to invest in all or a portion of your loan does not confer any rights to you or obligate us to issue your loan. You understand that ' ' ~ all or partofyour loan nded if it receives REST, 0R (2) THAT No later than thirty (30) days after your application is complete, we will tell you if your loan is approved and will issue for some or all of your requested amount, or is declined, or ifwe are making you a counter-offer. Your loan request will be listed on the marketplace for at least fourteen (14) days, subject to investor interest. It may take up to forty-ve (45) days to process and issue your loan. |f at any point, you no longer want a loan under your pending loan request, you must notify us in writing of your election to terminate your loan request sufciently far in advance ofthe loan closing for us to cancel the loan. 4. Loan Te rms. Your loan will have a principal balance in the amount set forth in the Truth in Lending disclosure and Loan Agreement and Promissory Note, each ofwhich is provided to you and placed into the on-line account you established upon registration. You agree and acknowledge that the initial loan disclosures made to you are estimates and are subject to change based on the actual, initial principal balance ofthe loan funded and your selected payment option (check or Automated Clearing House ("ACH")). Opting to pay by check will result in a processing fee that will increase your APR. All loans are unsecured, fully-amortizing, closed-end loans for the term stated in your Truth in Lending disclosure and Loan Agreement and Promissory Note. Your obligations, including your obligation to repay principal and interest, are set forth in the Loan Agreement and Promissory Note. Other fees and terms ofthe loan will also be set forth in the Loan Agreement and Promissory Note. All payments are to be applied to Borrower's obligations as Lender determines in its sole discretion. 5. Credit Decisions. Ifyou make a loan request, you must fully complete the application on the Site. You do not need to disclose alimony, child support or separate maintenance income ifyou do notwish to have it considered as a basis for repaying a loan. You agree and acknowledge that we may verify any information you submit either by asking for true and complete copies of necessary documentation, by information provided through a third party, or by other proof. Additionally, by proceeding with the application, you consent to our use of any information provided by you or provided through any third party, for any lawful purpose, including but not limited to identity verication, fraud The original document is owned by LendingClub Corporation and this copy was created on Apr 26, 2019 06:01 :45 PM. Copy of the Electronic Original® document managed by the eCore® On Demand (EODTM) Service. prevention and credit underwriting. Failure to timely provide information can result in your loan application being incomplete and closed by us. Furthermore, we may terminate consideration of your application at any time in our sole discretion. 6. Authorization to Obtain Consumer Report and Rights Related to Consumer Reporting Agencies. You authorize us and LendingClub to investigate your credit history by obtaining consumer reports about you. We may request a consumer report from consumer reporting agencies in considering any application or loan request, and we and LendingClub may request such reports on a periodic basis during the term ofthis Agreement or any Loan Agreement and Promissory Note. The terms ofsuch authorization are set forth more fully in the Credit Prole Authorization. Under the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.), (i) you have a right to review any le maintained on you by a consumer reporting agency, (ii) your le is available for review at no charge on request made to the consumer reporting agency within thirty days alter the date ofthe receipt of notice that credit has been denied, and your le is available for a minimal reporting charge at any other time; (iii) you have a right to dispute directly with your consumer reporting agency the completeness of accuracy of any item contained in a le on you maintained by that consumer reporting agency; (iv) no consumer reporting agency may make any consumer report containing any adverse item of information dating 'om more than seven (7) years before the report; (v) ACCURATE INFORMATION CANNOT BE PERMANENTLY REMOVED FROM THE FILES OF ACONSUMER REPORTING AGENCY; and (vi) non-prot organizations which provide credit and debt counseling service are avail As a condition to receivi s loan 'om us, y-u hereby grant to ' ' - power ofa o ney (“P- er ttorney") and appoint them and/or their design - a w wful a or e ' full power o s bstitut'an an -substitution, for you and .n. l‘,t0! o Complete and execute the Loan Agreement and Promis ory Note(s) in 'arm attached as Exhibit Athat reect- the accepted terms set forth in each of your nal Truth in Lending Disclosure(s) as such may be posted 'om time to time in response to your loan request(s) in the on-line account you have established with LendingClub where documents are stored; - Agree to any changes necessary to correct any errors or omissions in any Loan Agreement and Promissory Note(s) before or alter execution; provided that notice is given to you; and - Otherwise act with Jll power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such other powers above as Jlly to all intents and purposes as you might or could do in person. This Power of Attorney is limited solely to the purpose described above and will expire automatically upon the termination ofthis Borrower Agreement. You may revoke this Power of Attorney by contacting us at support@lendingclub.com or calling 888-596-3157 and closing your accountwith us; provided, ho ' a loan request h been approved yo ust provide such notice before th an proceeds are receiving a loan from us. Ifyou choose to revoke this Power ofAttorney prior to executl a we I ' be unable to proceed with your loan request and your pending loan request will be considered withdrawn, your account closed, and you may be prohibited 'om posting additional qualifying loan requests in the future in our discretion. 8. Loan Consummation. YOU AGREE AND ACKNOWLEDGE THAT YOU ARE NOT OBLIGATED UNDER THE TERMS OF THE LOAN AGREEMENT AND PROMISSORY NOTE AND THE LOAN TRANSACTION WITH US IS NOT COMPLEI' ED (LE. CONSUMMATED) UNTILYOUR ABILITY TO CANCEL YOUR LOAN APPLICATION HAS PASSED. YOU ACKNOWLEDGE THAT WE ARE MATERIALLY RELYING UPON THIS UNDERSTANDING IN UNDERTAKING THE POTENTIAL ISSUANCE OF YOUR LOAN. Your ability to cancel your loan application is governed by section 23(A) ofthis Agreement, which is below. 9. Military Lending Act. Federal law provides important protections to members ofthe Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member ofthe Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specied credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Federal law requires that you receive a clear description of your required payments. Please review the disclosures and your credit agreement careJIIy to understand your payment obligations. To hear these disclosures over the telephone, call the following toll-ee number (844) 538-6754. 10. Servicing by LendingClub. You acknowledge and agree that LendingClub may provide services to us in connection with evaluating The original document is owned by LendingClub Corporation and this copy was created on Apr 26, 2019 06:01 :45 PM. Copy of the Electronic Original® document managed by the eCore® On Demand (EODTM) Service. your loan requests, and all other aspects of your relationship with us. LendingClub will also act as the servicer of any loan that you obtain. LendingClub may delegate servicing to another entity in its sole discretion without notice. 11. Other Borrower Agreements; Use of Loan Proceeds. You agree that you (A) are a US citizen, permanent resident or non- permanent resident alien in the United States on a valid long term visa; (B) will not, in connection with your loan request: (i) make any false, misleading or deceptive statements or omissions of fact, including but not limited to your loan description and any other credit you have applied for; (ii) misrepresent your identity, or describe, present or portray yourselfas a person other than yourself; (iii) give to or receive from, or offer or agree to give to or receive from any LendingClub member or other person any fee, bonus, additional interest, kickback or thing of value of any kind except in accordance with the terms of your loan; (iv) represent yourselfto any person, as a representative, employee, or agent of ours, or purport to speak to any person on our behalf; (v) use any ofthe loan proceeds to fund any post-secondary educational expenses, including, but not limited to, tuition, fees, books, supplies, miscellaneous expenses, or room and board; (vi) use any ofthe loan proceeds to fund any illegal activity or any other activity or use not otherwise allowed under this Agreement or the Site; (vii) use any ofthe loan proceeds for the purpose of purchasing or carrying any securities; (viii) use any ofthe loan proceeds for the purpose of investing, trading, or speculating in any currencies, including without limitation cryptocurrencies or digital currencies or any futures or derivatives thereof; or (ix) use the Site to request or obtain a loan for someone other than yourself; and (C) that you have all necessary consents, permissions, acknowledgements or agreements from all joint applicants/co-borrowers and we may rely upon this agreement without any investigation or ver' . .- 'n. You further acknowledge and agree that we may rely without independent 'cation on the accuracy, authenticity, and 0v u e - ~-s of all information you provide to us. To the extent thatwe determine, in I sole discretion, that your loan request violate H lub, we may terminate your loan request and c We and our successors and assigns have sole discretion to proceed, at any time, against any party responsible under this Agreement. Further, we can accept instructions from either you or the joint applicant/co-borrower, and notice can be given to either you or the joint applicant/co-borrower, and shall be binding on both and deemed received by all parties. 13. TCPA Conse nt & Privacy. Notwithstanding any current or prior election to opt in or opt out of receiving telemarketing calls or SMS messages (including text messages) from us, our agents, representatives, afliates, or anyone calling on our behalf, you expressly consent to be contacted by us, our agents, representatives, afliates, or anyone calling on our behalffor any and all purposes arising out of or relating to your loan and/or account, at any telephone number, or physical or electronic address you provide or at which you may be reached. You agree we may c- - . ou in any way, in ing SMS messagemincluding text messages), calls u '- n prerecorded messages smauto telephone di g system or an automatic textingy tem. Automated questions about your application, loan and/or account. You cer ' v rant and represent that the telephone numbers that you have provided to us are your contact numbers. You represent that you are permitted to receive calls at each ofthe telephone numbers you have provided to us. You agree to promptly alert us whenever you stop using a particular telephone number. Your cellular or mobile telephone provider will charge you according to the type of plan you carry. You also agree that we may contact you by e-mail, using any email address you have provided to us or that you provide to us in the future. We may listen to and/or record phone calls between you and our representatives without notice to you as permitted by applicable law. For example, we listen to and record calls for quality monitoring purposes. 14. Assignment; Registration of Note Owners, Termination. We may assign this Agreement and the Loan Agreement and Promissory Note, or any ofour rights under this Agreement or the Loan Agreement and Promissory Note, in whole or in part at any time. You further understand, acknowledge and agree that LendingClub or another third party may further sell, assign or transfer your Loan Agreement and Promissory Note and all associated documents and information related to the and the Loan Agreement and Promissory Note, in whole or in part at anytime, without your consent or notice to you (subject to the registration requirement below). You may not assign, transfer, sublicense or otherwise delegate your rights or obligations under this Agreement to another person without our prior written consent. Any such assignment, transfer, sublicense or delegation in violation ofthis section 14 shall be null and void. You hereby appoint LendingClub as your agent (in such capacity, the "Note Registrar") for the purpose ofmaintaining a book-entry system (the "Register") for recording the names and addresses of any owner of benecial interests in this Note (the "Note Owners") and the principal amounts and interest on this Note owing to each pursuant to the terms hereoffrom time to time. The person or persons identied as the Note Owners in the Register shall be treated as the owner(s) ofthis Note for purposes ofreceiving payment of principal and interest on such Note and for all other purposes. With respect to any transfer by a Note Owner of its benecial interest in this Note, the right to The original document is owned by LendingClub Corporation and this copy was created on Apr 26, 2019 06:01 :45 PM. Copy of the Electronic Original® document managed by the eCore® On Demand (EODTM) Service. payment of principal and interest on this Note shall not be effective until the transfer is recorded in the Register. We may terminate this Agreement and your abilityto make loan requests at any time. If you committed 'aud or made a misrepresentation in connection with your registration on the Site or any application or request for a loan, performed any prohibited activity, or otherwise failed to abide by the terms ofthis Agreement, we will have all remedies authorized or permitted bythis Agreement and applicable law. 15. Entire Agreeme nt. This Agreement, and any Loan Agreement and Promissory Note that may be agreed for a loan, represent the entire agreement between you and us regarding the subject matter hereof and supersede all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between us with respect to your loan request and loan. The WebBank Privacy Notice attached as Exhibit B is incorporated by reference into this Agreement. 16. Electronic Transactions. THIS AGREEMENT IS FULLY SUBJECT TO YOUR CONSENT TO ELECT RONIC TRANSACTIONS AND DISCLOSURES, WHICH CONSENT IS SET FORTH IN THE TERMS OF USE FOR THE SIT E. 17. Notices. All notices relating to legal actions or matters, including bankruptcy notices, must be sent to us at WebBank, clo LendingClub Corporation, 595 Market Street, #200, San Francisco CA, 94105, Attention: Legal Department. Legal notices sent to any other address will not satisfy any legal requirement that you provide notice to us. All notices and other communications to you hereunder may be given by email to your registered email e n e - s or posted on your Account Summary on the Site, and shall be deemed to 2 been duly given and effective upon transmissio r communications from us changes, you must noti agree to update your reg 18. NO WARRANTIES. WARRANTIES TO YOU, INCLUDING, BUT NOT LIMITED TO ANY IMPLIED ‘ ‘ ' RANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. 19. LIMITATION ON LIABILITY. IN NO EVENT SHALLWE BE LIABLE TO YOU FOR ANY LOST PROFITS OR SPECIAL, EXEMPLARY, CONSEQUENTIALOR PUNITIVE DAMAGES, EVEN IF INFORMED OF THE POSSIBILITY OF SUCH DAMAGES. FURTHERMORE, WE MAKE NO REPRESENTATION ORWARRANTY TO YOU REGARDING THE EFFECT THAT THE AGREEMENT MAY HAVE UPON YOUR FOREIGN, FEDERAL, STATE OR LOCALTAX LIABILITY. 20. Choice of Law. We are located in the state of Utah, this Agreement is entered into in the state of Utah, and funds for loans are disbursed from Utah. The provisions ofthis Agreement will be governed by federal laws and the laws ofthe state of Utah to the extent not preempted, without regard to any principle of conicts of laws that would require or permit the application ofthe laws of any other jurisdiction. reference purposes only and shall not affect the interpretation ofthis Agreement in any way. 22. Arbitration. RESOLUTION OF DISPUT ES: YOU HAVE READ THIS PROVISION CAREFULLY AND UNDERSTAND THAT lT LIMITS YOUR RIGHTS lN THE EVENT OF ADISPUTE BETWEEN YOU AND US. YOU UNDERSTAND THAT YOU HAVE THE RIGHT TO REJECT THIS PROVISION AS PROVIDED IN PARAGRAPH (b) BELOW. Ifyou are a "Covered Borrower" as dened bythe Military Lending Act (32 CFR §232, as amended from time to time) at the time ofentering into this Agreement, this section 22 Arbitration is not applicable, and you do not need to opt out ofor take any action to ensure inapplicability. a. Either party to this Agreement, or any subsequent holder, may, at its sole election, require that the sole and exclusive forum and remedy for resolution ofa Claim be nal and binding arbitration pursuant to this section 22 (the "Arbitration Provision"), unless you opt out as provided in section 22(b) below. As used in this Arbitration Provision, "Claim" shall include any past, present, or future claim, dispute, or controversy involving you (or persons claiming through or connected with you), on the one hand, and us and/or any subsequent holder (or persons claiming through or connected with us and/or the subsequent holders), on the other hand, relating to or arising out ofthis Agreement, any Loan Agreement and Promissory Note(s), the Site, and/or the activities or relationships that involve, lead to, or result from any ofthe foregoing, including (except to the extent provided otherwise in the last sentence ofsection 22(f) below) the validity or enforceability ofthis Arbitration Provision, any part thereof, or the entire Agreement. Claims are subject to arbitration regardless ofwhether they arise from contract; tort (intentional or otherwise); a constitution, statute, common law, or principles of equity; or otherwise. Claims include matters arising as initial claims, counter-claims, cross-claims, third-party claims, or otherwise. The scope ofthis Arbitration Provision is to be given the broadest possible interpretation that is enforceable. b. You may opt out ofthis Arbitration Provision for all purposes by sending an arbitration opt out notice to WebBank, clo LendingClub The original document is owned by LendingClub Corporation and this copy was created on Apr 26, 2019 06:01 :45 PM. Copy of the Electronic Original® document managed by the eCore® On Demand (EODTM) Service. Corporation, 595 Market Street, #200, San Francisco CA, 94105, Attention: Legal Department, which is received at the specified address within 30 days of the date of your electronic acceptance of the terms of this Agreement. The opt out notice must clearly state that you are rejecting arbitration; identify the Agreement to which it applies by date; provide your name, address, and social security number; and be signed by you. You may send an opt out notice in any manner you see t as long as it is received at the specied address within the specied time. No other methods can be used to opt out ofthis Arbitration Provision. Ifthe opt out notice is sent on your behalf by a third party, such third party must include evidence of his or her authority to submit the opt out notice on your behalf. c. If a Claim arises, our goal is to learn about and address your concerns and, ifwe are unable to do so to your satisfaction, to provide you with a neutral and cost effective means of resolving the dispute quickly. You agree that before ling any claim in arbitration, you may submit Claims by sending an email to customeradvocacv@lendinnclub.com at any time, or by calling (888) 596-3157 'om Mon-Fri 6:00 AM to 5:00 PM PT and Sat 8:00 AM to 5:00 PM PT. The party initiating arbitration shall do so with the American Arbitration Association (the "AAA") or Judicial Alternatives and Mediation Services ("JAMS"). The arbitration shall be conducted according to, and the location ofthe arbitration shall be determined in accordance with, the rules and policies ofthe administrator selected, except to the extent the rules conict with this Arbitration Provision or any countervailing law. If you have any questions concerning the AAAor would like to obtain a copy ofthe AAAarbitration rules, you may call 1(800) 778-7879 or visit the AAA's web site at: www.adrorg. If you have any questions concerning JAMS or would like to obtain a copy ofthe a - ict between the rules n ervailing law, unless all ll the administrator's es (other than hearing administrator's rules. We (or the subsequent holder, as the c se may be) . pay the administrator's hearing fees for one Jll day of arbitration hearings. Fees for hearings that exceed one day will be paid bythe party requesting the hearing, unless the administrator's rules or applicable law require otherwise, or you request that we (or the subsequent holder) pay them and we agree (or the subsequent holder agrees) to do so. Each party shall bear the expense of its own attorneys' fees, except as otherwise provided by law. Ifa statute gives you the right to recover any ofthese fees, these statutory rights shall apply in the arbitration notwithstanding anything to the contrary herein. e. Within 30 days ofa nal award by the arbitrator, any party may appeal the award for reconsideration by a three-arbitrator panel selected according to the rules ofthe arbitrator administrator. In the event ofsuch an appeal, any opposing party may cross-appeal within 30 days after notice ofthe appeal. The panel will reconsider de novo all aspects ofthe initial award that are appealed. Costs and conduct of any appeal shall be governed by this Arbitration Provision and the administrator's rules, in the same way as the initial arbitration proceeding. Any award bythe individual ar' that is not subjec appeal, and any el award on appeal, shall be nal a -d binding, except for any ' may be entered judgment in any court of compet . ansented to in writing by all parties to the arbitration, no party to the arbitration may join, consolidate, or otherwise bring claims for o alf oftwo or more individuals or unrelated corporate entities in the same arbitration unless those persons are parties to asingle transaction. Unless consented to in writing by all parties to the arbitration, an award in arbitration shall determine the rights and obligations ofthe named parties only, and only with respect to the claims in arbitration, and shall not (a) determine the rights, obligations, or interests of anyone other than a named party, or resolve any Claim of anyone other than a named party; nor (b) make an award for the benet of, or against, anyone other than a named party. No administrator or arbitrator shall have the power or authority to waive, modify, or fail to enforce this section 22(f), and any attempt to do so, whether by rule, policy, arbitration decision or otherwise, shall be invalid and unenforceable. Any challenge to the validity ofthis section 22(f) shall be determined exclusively by a court and not by the administrator or any arbitrator. g. This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be governed by and enforceable under the FAA. The arbitrator will apply substantive law consistent with the FAAand applicable statutes of limitations. The arbitrator may award damages or other types of relief permitted by applicable substantive law, subject to the limitations set forth in this Arbitration Provision. The arbitrator will not be bound by judicial rules of procedure and evidence that would apply in a court. The arbitrator shall take steps to reasonably protect condential information. h. This Arbitration Provision shall survive (i) suspension, termination, revocation, closure, or amendments to this Agreement and the relationship ofthe parties and/or LendingClub; (ii) the bankruptcy or insolvency of any party or other person; and (iii) any transfer of any loan or Loan Agreement or Promissory Note(s) or any other promissory note(s) which you owe, or any amounts owed on such loans or notes, to any other person or entity. If any portion ofthis Arbitration Provision other than section 22(f) is deemed invalid or unenforceable, the remaining portions ofthis Arbitration Provision shall nevertheless remain valid and in force. If an arbitration is brought on a class, representative, or collective basis, and the limitations on such proceedings in section 22(f) are nally adjudicated pursuant to the last The original document is owned by LendingClub Corporation and this copy was created on Apr 26, 2019 06:01 :45 PM. Copy of the Electronic Original® document managed by the eCore® On Demand (EODTM) Service. sentence ofsection 22(f) to be unenforceable, then no arbitration shall be had. In no event shall any invalidation be deemed to authorize an arbitrator to determine Claims or make awards beyond those authorized in this Arbitration Provision. THE PARTIES ACKNOWLEDGE THAT THEY HAVE A RIGHT TO LITIGATE CLAIMS THROUGH ACOURT BEFORE AJUDGE OR JURY, BUT WILL NOT HAVE THAT RIGHT IF ANY PARTY ELECTS ARBITRATION PURSUANT TO THIS ARBITRATION PROVISION. THE PARTIES HEREBY KNOWINGLY AND VOLUNTARILY WAIVE THEIR RIGHTS TO LITIGATE SUCH CLAIMS IN ACOURT BEFORE AJUDGE OR JURY UPON ELECTION OF ARBIT RATION BY ANY PARTY. 23. Cancellation A. Cancellation oprplication Prior to Loan Funding You may cancel your application without any fee or penalty prior to funding ofthe loan, as long as you provide us with sufcient advance notice to stop the loan funding. We may cancel any loan or loan request by you prior to funding, including if(a) you have provided any false, misleading, or incomplete information in connection with any loan request or other communication with us, LendingClub, or those acting on behalf of us or LendingClub; (b) you are delinquent or in default under any outstanding Loan Agreement and Promissory Note; (c) we learn of any new information affecting your creditworthin . ptcy or insolvency ' = '-n in this Agreement. lf :- . and cancel any related :- Site may also beLoan Agreement and Pr suspended or modied. B. Cancellation of Loan Agreeme and Promisso V ote Altr u Ing YOU MAY CANCELTHE LOAN AGREEMENT AND PROMISSORY NOTE A ‘ NY TIME UP TO MIDNIGHT OF THE FIFI'H DAY AFI'ER THE LOAN HAS BEEN FUNDED. IF YOU DECIDE TO CANCEL, ALL LOAN PROCEEDS WILL BE WITHDRAWN FROM YOUR ACCOUNT IN THE NEXT TEN (10) BUSINESS DAYS. IF LENDER, OR ITS AGENT, CAN'T WITHDRAWTHE FULLAMOUNT FROM YOUR BANK ACCOUNT AND YOU DO NOT OTHERWISE RETURN THE LOAN PROCEEDS WITHIN TEN BUSINESS DAYS, YOU WILLSTILLBE RESPONSIBLE FOR PERFORMANCE OF ALLOBLIGATIONS UNDER THE BORROWER AGREEMENT, LOAN AGREEMENT AND PROMISSORY NOTE, INCLUDING BUT NOT LIMITED TO PAYMENT OF ANY FEES, INTEREST, AND PRINCIPALOF THE LOAN. YOU MAY CANCELTHE LOAN AGREEMENT AND PROMISSORY NOTE BY CONTACTING US AT SUPPORT@LENDINGCLUB.COM OR CALLING 888-596-3157. FOR BALANCE TRANSFER OR DIRECT PAY LOANS: IF YOU HAVE DIRECTED US TO DELIVER LOAN PROCEEDS TO ACCOUNTS ("DIRECTED ACCOUNTS") OUTSIDE OF YOUR CONTROL, LENDER WILLNOT BE ABLE TO RECOVER THESE FUNDS. LENDER, OR ITS AGENT, WILLATT EMP ' T 9 A ‘RAW AN AMOET EQUALTO YOLELOAN PROCEEDS WITHIN TEN ) DAYS FOLLOWING ‘ ‘v ‘ ND U DO NOT "ER RMANCE OF ALL The original document is owned by LendingClub Corporation and this copy was created on Apr 26, 2019 06:01 :45 PM. Copy of the Electronic Original® document managed by the eCore® On Demand (EODTM) Service. Exhibit A LOAN AGREEMENT AND PROMISSORY NOTE Borrower Member ID: Joint Applicant/Co-Borrower Member ID: $ , 20- For value received, | (referred to herein as "Borrower" which for purposes ofthis Loan Agreement and Promissory Note (the "Note") includes all parties obligated hereunder, including anyjoint applicant/co-borrower) promise to payto the order ofWebBank or anysubsequent holder ("you" or "Lender") ofthis Note the principal sum of ($ ) Dollars with interest as set forth below. Borrower intends to be legally bound by this Note. Borrower has read, understood, and agreed to all ofthe terms ofthis Note. Interest Rate. This Note bears interest during each calendar month 'om the date hereofuntil paid in full, at a xed rate of (%) per annum. Interest Calculation Method. long, regardless ifa mont extent permitted by appli 30 days (or 30/360) nt of principal and, to the Payments. Principal and .- ' - I ng manner: Payments of principal and i ' '- ‘ u - ‘ orrower to the Lender commencing , 20_, when the full amount of unpaid principal, togetherwith unpaid accrued interest is a . - and payab the monthly anniversary is on the 29th, 30th, or 3lst ofthe month, and the following month does not have a 29th, 30th, or 3lst day, the monthly payment will be due on the last day ofthe month in which the payment was due. Borrower's last payment might be ofa different amount, which could be higher than the monthly installment amounts, to adjust for rounding and/or due to calculation of daily interest charges in certain instances such as a payment due date change or Borrower making a payment alter the payment due date. In such cases, the amount ofthe last monthly payment will be adjusted bythe amount necessary to repaythe loan in full. Borrower must pay us in U.S. dollars using a check (subject to any applicable check processing fee) or electronic debit that is drawn on and honored by a bank in the Unite - . s. Borrower may make payments i sh. Borrower agrees that Lender n accept late or partial ' ‘ ictive endorsemen ,without losing its rights. amount may be a range nsuring that all names, proceeds ifsuch failure was the result (directly or indirectly) o . . 1 r in any name, or account, routing or other similar information provided by Borrower to Lender. Borrower acknowledges that neither Lender nor LendingClub has any obligation to conrm or investigate the accuracy or completeness ofthe information Borrower has provided. Borrower further agrees that ifthe loan proceeds are rejected by a Directed Account that is not Borrower's designated bank account, then Lender may deliver the loan proceeds into the designated bank account to satisfy our obligation ofloan proceed delivery. In all events under this section, interest will be in to accrue as of the date of issuance of the loan and not upon the actual receipt of proceeds by Borrower or any other designated third party, except that no interest will be due to the extent this Note is canceled. Ifwe are unable to deliver any portion ofthe loan proceeds to the Directed Account(s) or Borrower's designated bank account alter 14 days from the initial delivery attempt, the loan will be canceled and only in this circumstance will Borrower not owe any interest on the loan. For avoidance ofdoubt, if partial loan proceeds (any amount above $0) are delivered to the Directed Account(s) or Borrower's designated bank account, then the loan will not be canceled. Ifwe are only able to deliver partial loan proceeds to the Directed Account(s) or Borrower's designated bank account alter 14 days, we will apply the undelivered portion to the outstanding balance in accordance with our normal payment application procedures. If Borrower elects to make payments by automatic withdrawal, Borrower has the right to stop payment ofthese automatic withdrawals or revoke prior authorization for automatic withdrawals by notifying Lender and LendingClub ofthe exercise of its right to stop a payment or revoke authorization for automatic withdrawals no less than three (3) bankinq days before Borrower's next payment due date. If Borrower elects to make payments by check, Borrower must send the check either by regular mail or by overnight mail or UPS delivery to Wells Fargo Lock Box Services, Dept #34268, 3440 Walnut Ave, Window H, Fremont, CA 94538. There will be a $7 check processing fee per payment, subject to applicable law. Borrower may change its payment method bv contactinu sunnortlending_club.com. Borrower's payment method and any necessary authorization do not affect its obligation to pay when due all amounts payable on the Note, The original document is owned by LendingClub Corporation and this copy was created on Apr 26, 2019 06:01 :45 PM. Copy of the Electronic Original® document managed by the eCore® On Demand (EODTM) Service. whether or not there are sutcient funds in the applicable deposit account. The foregoing authorization is in addition to, and not in limitation of, any rights of setoff Lender may have. Origination fee. If this loan is subject to an origination fee, such fee is deducted from the loan proceeds and paid to the Lender. Any origination fee of 5% or less is not refundable regardless of when, or if, the loan is paid in full. Any origination fee amount in excess of 5% is refundable on a prorated basis over the term of the loan when and if the loan is paid in full prior to its maturity date. A partial pre-payment will not result in the refund of any origination fee amount. Borrower acknowledges that the origination fee is considered part of the principal of Borrower's loan and is subject to the accrual of interest. Insufcient funds fee. Ifa payment is returned, dishonored, or fails due to insufcient funds in the designated account, Borrower may be charged a fee of$15, to the extent permitted by applicable law. An insufcient funds fee may be assessed no more than once for a single failed payment. However, Lender may, at its option, choose to resubmit such payments. The bank that holds Borrower's deposit account may assess its own fee in addition to the fee assessed under this Note. Late fee. |f any part of Borrower's payment, other than payments owed for any fee(s) assessed on a prior monthly payment, is more than 15 days late, a late fee may be charged in an amount equal to the greater of 5% ofthe outstanding payment or $15, to the extent permitted by applicable law. Only one late v- - ma e charged on each late payment. Anv check payment received after Mountain Borrower agrees to continue to make regularly scheduled p-y ents until a . unts due under this Note are paid. Any regularly scheduled monthly installment of principal and interest that'Is received by Lender before he date it is due shall be deemed to have been received on the due date solely for the purpose of calculating interest due. Lender may extend the time to make a payment without extending the time to make other payments, accept late or partial payments without waiving Lender's right to have future payments made when they are due, or waive any fee without losing the right to impose that fee when due in the future. Use of Funds. Borrower certies that the proceeds ofthe loan will not be used for the purpose of purchasing or carrying any securities or to fund any illegal activity, or to fund any post-secondary educational expenses, including, but not limited to, tuition, fees, books, supplies, miscellaneous expenses, or room and board. Default. Borrower may be deemed in default (each, an "Event of Default") of Borrower's obligations under this Note if Borrower: (1) fails to loan account to the credit bureaus in the names of all Borrowers. Late payments, missed payments, or other defaults on an account may be reected in Borrower's credit report. Borrower agrees to pay all costs of collecting any delinquent payments, including reasonable attorneys' fees, as permitted by applicable law. Joint and Several IJability. The liability of anyjoint applicant/co-borrower to repay in full this loan is in addition to and not in lieu ofthe obligations ofthe primary Borrower to repaythe loan in full. The joint applicant/co-borrower agrees to abide bythe terms and conditions ofthis Note or any other agreements or documents provide or executed as part ofthe application process, as if an original signatory. Lender (or its designee) has sole discretion to proceed against both the Borrower and anyjoint applicant/co-borrower to recover all the amounts due under this Note. Further, Lender (or its designee) can accept instructions from either Borrower or the joint applicant/co- borrower, and notice given to either party shall be binding on both parties and all disclosures provided to a party will be deemed simultaneously received by all parties. Loan Charges. Ifa law that applies to the Loan and sets maximum loan charges is nally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from Borrower that exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under this Note or by making a direct payment to Borrower. Electronic Transactions. THIS AGREEMENT IS FULLY SUBJECT TO BORROWER'S CONSENT TO ELECTRONIC TRANSACTIONS AND The original document is owned by LendingClub Corporation and this copy was created on Apr 26, 2019 06:01 :45 PM. Copy of the Electronic Original® document managed by the eCore® On Demand (EODTM) Service. DISCLOSURES, WHICH CONSENT |S SET FORTH IN THE TERMS OF USE FOR THE SIT E. BORROWER EXPRESSLY AGREES THAT THE NOTE |S A"TRANSFERABLE RECORD" FOR ALL PURPOSES UNDER THE ELECTRONIC SIGNATURES IN GLOBALAND NATIONAL COMMERCE ACT AND THE UNIFORM ELECT RONIC TRANSACTIONS ACT. Registration of Note Owners. | have appointed LendingClub as my agent (in such capacity, the "Note Registrar") for the purpose ofmaintaining a book-entry system (the "Registe r") for recording the names and addresses of any future owner of benecial interests in this Note (the "Note Owne rs") and the principal amounts and interest on this Note owing to each pursuant to the terms hereoffrom time to time. The person or persons identied as the Note Owners in the Register shall be treated as the owner(s) ofthis Note for purposes ofreceiving payment of principal and interest on such Note and for all other purposes. With respect to any transfer by a Note Owner of its benecial interest in this Note, the right to payment of principal and interest on this Note shall not be effective until the transfer is recorded in the Register. Miscellaneous. Lender may, without notice to Borrower, assign all of its right, title and interest (or any portion thereof) in this Note to any other third party, and Borrower thher understands, acknowledges and agrees that any assignee may sell, assign or transfer the Note and all associated documents and information rel - e a the Note without Borrower's consent or delivery of notice (subject in each c 2 a the registration requirement above). Borro e s o the successors, Borrower hereby waives e ‘ ' - d hereby consents that . . - to time, in whole or part, be renewed, extended, mOu-u'e n ~ ' . ' ' . . eement) or released by Lender. Any changes to this Note must be in writing signed by Borrower and Lender. Notices will be provided electronicallyto Borrower's account, unless Borrower has opted out ofelectronic delivery and then will be mailed to the addresses then on record. This Note is subject to the arbitration provisions ofthe Borrower Agreement between Lender and Borrower, which is incorporated by reference into this Note. Controlling Law. Lender is located in the State of Utah, this Note is executed and delivered in the State of Utah and is a contract made under such state's law, and Jnds are disbursed 'om Utah. The provisions ofthis Note will be governed by federal laws and the laws ofthe State of Utah to the extent not preempted, without regard to any principle of conicts of law. The unenforceability of any provision ofthis Note shall not affect the enforceability or validity of any other provision ofthis Note. STATE LAW NOTICES: CALIFORNIA RESIDENTS i ' . :- - ‘ action as dened by § 1785.3 ofthe California Oivi Code and t e . ' ' ' ' ' ' - ' u in a consumer credit report, Borrower has the r h ' ' ' . ‘ v :- . ' sumer reporting agency who Jrnished the consumer ' - - - ' - . intains les on consumers on a nationwide basis. CALIFORNIA AND UTAH RESIDENTS: As required by California and Utah law, Borrower is hereby notied that a negative credit report reecting on Borrower's credit record may be submitted to a credit reporting agency if Borrower fails to Jlll the terms of Borrower's credit obligations. KANSAS: NOTICE TO CONSUMER: 1. Do not sign this Note before you read it. 2. You are entitled to a copy ofthis Note. 3. You may prepay the unpaid balance at any time without penalty. MARYLAND RESIDENTS ONLY: Lender elects to make this loan pursuant to Subtitle 10 (Credit Grantor Closed End Credit provisions) of Title 12 ofthe Maryland Commercial Law Article only to the extent that such provisions are not inconsistent with Lender's authority under federal law (12 U.S.C. § 85, § 1463(9), or § 1831d, as appropriate) and related regulations and interpretations, which authority Lender expressly reserves. MASSACHUSETTS RESIDENTS ONLY: Massachusetts law prohibits discrimination based upon marital status or sexual orientation. MISSOURI AND NEBRASKA RESIDENTS: ORAL LOAN AGREEMENTS OR COMMITMENTS TO LOAN MONEY, EXTEND CREDIT OR TO FORBEAR FROM ENFORCING REPAYMENT OF SUCH DEBT, INCLUDING PROMISES TO EXTEND OR RENEW SUCH DEBT, ARE NOT ENFORCEABLE. TO PROT ECT BORROWER(S) AND THE LENDER AND ANY HOLDER OF THIS NOTE FROM MISUNDERSTANDING OR DISAPPOINTMENT, ANY AGREEMENTSWE REACH COVERING SUCH MATTERS ARE CONTAINED IN THISWRITING, WHICH IS THE COMPLETE AND EXCLUSIVE STATEMENT OF THE AGREEMENT BETWEEN US, EXCEPT ASWE MAY LATER AGREE IN WRITING TO MODIFY IT. The original document is owned by LendingClub Corporation and this copy was created on Apr 26, 2019 06:01 :45 PM. Copy of the Electronic Original® document managed by the eCore® On Demand (EODTM) Service. NEW JERSEY RESIDENTS: The section headings ofthe Note are a table of contents and not contract terms. Portions ofthis Note with references to actions taken to the extent of applicable law apply to acts or practices that New Jersey law permits or requires. In this Note, actions or practices (i) by which Lender is or may be permitted by "applicable law" are permitted by New Jersey law, and (ii) that may be or will be taken by Lender unless prohibited by "applicable law" are permitted by New Jersey law. NEW YORK. RHODE ISLAND and VERMONT RESIDENTS: : Borrower understands and agrees that Lender may obtain a consumer credit report in connection with this application and in connection with any update, renewals for extension of any credit as a result ofthis application. If Borrower asks, Borrower will be informed whether or not such a report was obtained, and ifso, the name and address ofthe agency that furnished the report. Borrower also understands and agrees that Lender may obtain a consumer credit report in connection with the review or collection of any loan made to Borrower as a result ofthis application or for other legitimate purposes related to such loans. OHIO RESIDENTS ONLY: The Ohio laws against discrimination require that all creditors make credit equally available to all credit-worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with the law. WASHINGTON RESIDENTS ONLY: Oral agreements or oral commitments to loan money, extend credit, or to forbear from enforcing repayment ofa debt are not enforceable under Washington law. WEST VIRGINIA RESIDENTS ONLY: For borrowers located ' West Virgini- ndingClub is operating as a Credit Services Organization ("CSO") in connection with your loan. LendingClub may be reached at LendingClub Corporation, 595 Market Street, #200, San Francisco, CA 94105. LendingClub's agent for service of process is CSC - Lawyers Incorporating Service, 2710 Gateway Oaks Dr., Suite 150N, Sacramento, CA 95833. Description of Services: LendingClub operates as an online marketplace platform. It does not issue, fund, or lend loans directly to the consumer; rather, it operates under an "originating bank" model in which it is a third-party vendor ofa federally regulated and insured bank. The "originating bank" model allows the bankto originate loans to applicants through LendingClub's Platform. Loans facilitated through LendingClub's marketplace are originated by WebBank. LendingClub's CSO services . r - - ered within 180 d. Borrowers throu LendingClub's platform do not pa ndingClub any money r more ofthe follo g three ways: (1) transaction fee fr- m WebBank; (2) As required byWest Virginia Law, Borrower is notied that: (i) you have a right to review any le maintained on you by a consumer reporting agency, as provided by the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.); (i0 your le is available for review at no charge on request made to the consumer reporting agency within thirty days alter the date ofthe receipt of notice that credit has been denied, and your le is available for a minimal reporting charge at any other time; (iii) you have a right to dispute directly with your consumer reporting agency the completeness of accuracy of any item contained in a le on you maintained by that consumer reporting agency; (iv) no consumer reporting agency may make any consumer report containing any adverse item of information dating 'om more than seven (7) years before the report; (v) ACCURATE INFORMATION CANNOT BE PERMANENTLY REMOVED FROM THE FILES OF ACONSUMER REPORTING AGENCY; and (vi) non-prot organizations which provide credit and debt counseling service are available. The WV Association of Consumer Credit Counseling Services (call 1-800-869-7758) or the National Foundation for Consumer Credit (call 1-800-388 2227) will connect you to a local organization, or check your yellow pages under "Credit Counseling Services" to nd a non-prot service. MEMBER ID OF BORROWER & CO-BORROWER (if any) BY: LENDINGCLUB CORPORATION ATTORNEY-lN-FACT FOR BORROWER and CO-BORROWER (if any) (SIGNED ELECT RONICALLY) The original document is owned by LendingClub Corporation and this copy was created on Apr 26, 2019 06:01 :45 PM. Copy of the Electronic Original® document managed by the eCore® On Demand (EODTM) Service. Exhibit B WEBBANK PRIVACY NOTICE FACTS WHAT DOES WEBBANK DO WITH YOUR PERSONAL INFORMATION IN CONNECTION WITH YOURLENDINGCLUB ACCOUNT? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you howwe collect, share, and protect your personal information. Please read this notice carefully to understand whatwe do. 7 The types of personal information we collect and share depend on the product or service you have with us. This information can include: o Social Security number and transaction history o Account balances and payment history - Credit history and credit scores When you are no longer our customer, we continue to share your information as described in this notice. ies need to share customers' personal information to run their everyday u ' ess. In the section list the e ons nancial companiess can share their customers' personal informa io ; the reasons WebBank Does WebBank share? Ctan you limit this sharing? legal investigations, or report to credit bureaus For our marketing purposes - to offer our products and services YES NO to you For joint marketing with other financial companies YES YES For our affiliates' everyday business purposes - information NO We don't share about your transactions and experiences For our affiliates' everyday business purposes - information NO We don't share about your creditworthiness For our affiliates to market to you NO We don't share For nonaffiliates to mama iWe don't share v. authorized access and s,e we use security measures that comply with federal law. These measures include computer safeguards and secured les and buildings. How does WebBank collect my pe rsonal information? We collect your personal information, for example, when you a Open an account or pay us by check o Provide account information or give us your contact information o Show your driver's license We also collect your personal information from others, such as credit bureaus, afliates, or other companies. Why can't l limit all sharing? Federal law gives you the right to limit only - Sharing for afliates' everyday business purposes-information about your creditworthiness o Afliates om using your information to market to you o Sharing for nonafliates companies to market to you State laws and individual companies may give you additional rights to limit sharing. What happens when I limit sharing for an account l hold Your choices will apply to everyone on your account - unless you tell jointly with someone else? us otherwise. The original document is owned by LendingClub Corporation and this copy was created on Apr 26, 2019 06:01 :45 PM. Copy of the Electronic Original® document managed by the eCore® On Demand (EODTM) Service. Affiliates Companies related by common ownership or control. They can be nancial and nonnancial companies. o WebBank does not share with our afliates Nonaffiliates Companies not related by common ownership or control. They can be nancial and nonnancial companies. - Nonafliates we share with can include other nancial services companies, lenders, insurance companies, retailers, membership clubs or other consumer service providers. Joint marketing Aformal agreement between nonafliated nancial companies that together market nancial products or services to you. - Our joint marketing partners include nancial services companies, lenders, insurance companies, or other consumer service providers. UJN~OKOOOQONM$UJNHO Christopher D. Mandarich SB 220693 El i ll Ajay Sood SB325294 ectmn ca yr Hayk Stambultsyan SB320973 brfiunerlurmmeallfmnla. Cumunffianhfiaten Martin Weingarten SB 201906 0N 10/29/2021 ' MANDARICH LAW GROUP, LLP By P.O. Box 109032 Chicago, IL 60610 nut 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintifl: UHG ILLC SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED UHG I LLC, Case No.21 'CLJ-05942 Plaintiff, VS FILE BY FAX COMPLAINT FOR: 1. BREACH OF CONTRACT Benjamin Li, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant DEMAND: $5,629.02 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1. Plaintiff is and at all times herein mentioned, UHG I LLC, and successor in interest t0 original creditor, Net Credit. 2. Plaintiff is the only entity that purchased the debt after charge-off and its name and address is as follows: UHG I LLC; 6400 Sheridan Dr Suite 138 Suite 138, Williamsville NY 14221. 3. Plaintiff is a debt buyer, and is the sole owner of the debt at issue. 4. The charge-off creditor at the time of charge-off is NC FINANCIAL SOLUTIONS OF CALIFORNIA, LLC, D/B/A NETCREDIT, 175 WEST JACKSON BOULEVARD SUITE 1000, CHICAGO, IL 60604, and the account number associated With this debt is XXXXXXXXXXXI 61 1. 5. Plaintiff is informed and believes that Defendant are individuals who currently reside within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the Exhibit "92"COMPLAINT-l 0f 5 KOOONONUILWNr-t NNNNNNNNNHh-h-b-Hb-h-th-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO proper Court for trial of this action. 6. The name and last known address of the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0f the debt is Benjamin Li , 420 RUSSELL PARK , DAVIS, CA 956 1 6. 7. Plaintiff is unaware of the true names or capacities, Whether individual, corporate, associate or otherwise ofthe Defendant sued herein as DOES 1 through 10 inclusive, and therefore, sued the Defendant by such fictitious names. PlaintiffWill amend this Complaint to show their true names and capacities once ascertained. 8. Plaintiff believes and at all times mentioned herein, each of the Defendant was, and is, the agent, servant and employee, employer of each of the other Defendant, and also acted in the capacity 0f and as agent of the other Defendant. Plaintiff also believes that the individual Defendant, and each 0f them, are jointly and severally liable that the actions described herein were taken as actions for the benefit of the Defendant's separate and/or community property. 9. Plaintiff believes that, for value received, Defendant and each 0f them, executed and delivered a credit application to the original creditor, Net Credit 0r made such application over the telephone or Internet. Pursuant to the aforementioned application, Net Credit provided Defendant With a credit account, and granted use privileges on the same, account number XXXXXXXXXXXI 61 1 (hereinafter “Account”). 10. Prior t0 the commencement of this action, the Account was assigned for value to the Plaintiff and Plaintiff is its current holder. 11. Defendant agreed t0 comply with the terms governing the use 0f the Account, as it was amended from time t0 time, including repaying Net Credit and any successors in interest, for any charges on the Account including, but not limited t0, charges for purchase of goods and service and/or cash advances and balance transfers along with late charges, over limits charges related thereto. 12. Defendant used the Account t0 make purchases and/or to take cash advances and/or to make balance transfers. Each time the Defendant used the Account t0 purchase goods and services COMPLAINT-2 0f 5 KOOOVONUILUJNr-t NNNNNNNNNh-h-kb-Ab-Ab-b-h-HHH OONQUl-PUJNF-‘OKOOONONKII-PUJNF-‘O and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement t0 repay Net Credit and its successors in interest for the amount 0f the purchase and/or cash advances and/or balance transfers, along with such other charges as may be assessed pursuant to the terms governing the Account. 13. The date of last payment 0n the subj ect account was on March 2, 2018. 14. Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected to pay amounts due 0n the Account. 15. The debt balance at charge-offwas $5,629.02, and upon information and belief there is $0.00 in post charge off fees and there is $0.00 in post charge off interest. 16. Subsequent t0 charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $5,629.02. 17. Although demand has been made upon said Defendant t0 pay said amount, n0 part has been paid, and it is now due and owing. 18. Upon information and belief, Net Credit and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 19. Plaintiff has complied with California Civil Code Section 1788.52. 20. Plaintiff has attached hereto as Exhibit A and incorporated herein by reference a copy of Billing Statement and/or Loan File provided to the Defendant While the account was active, demonstrating that the debt was incurred by the Defendant. 21. Plaintiff has attached hereto as Exhibit B and incorporated herein by reference a copy 0f the Final Billing Statement and/or Transaction History. 22. Upon opening the Account with Net Credit, the Defendant agrees to reimburse Net Credit, and hence Plaintiff as successor in interest for the costs related t0 the collection 0famounts owing on the Account. Plaintiff has been required to retain Mandarich Law Group, LLP to pursue collection of the amount due hereunder. FIRST CAUSE OF ACTION (Breach 0f Contract) COMPLAINT-3 0f 5 \OOOflQUl-RUJNH NNNNNNNNNHr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNh-‘OKOOOQQUl-bUJNF-‘O 23. Plaintiff refers to and incorporates paragraphs 1 through 22. 24. Net Credit extended a credit loan t0 the Defendant. 25. Defendant accepted the terms and conditions of the Account by Defendant use 0f the Account to make purchases and/or to take cash advances and/or to make balance transfers. 26. Defendant have breached the terms and conditions governing the Account by failing to pay amounts due and owing on the Account. 27. As a direct and proximate result thereof, Plaintiff has been damaged in the amount of $5,629.02. SECOND CAUSE OF ACTION (Open Book Account) 28. Plaintiff refers to and incorporates paragraphs 1 through 27. 29. Within the past 4 years, Defendant and each 0fthem became indebted in the amount 0f the previously mentioned herein for a balance due on a book account for goods sold and delivered and/or services rendered by Net Credit. Although demand has been made upon Defendant, said amount of $5,629.02 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 0f 5 KOOONONUI-bUJNr-t NNNNNNNNNHh-kb-Ab-Ab-b-h-h-Hb-t OONQMJ>WN~O©OONONM$UJNHO WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $5,629.02, 2. For reasonable attorneys fees pursuant to statute; 3. For costs of suit incurred; and 4. For such other and further relief as the Court deems just and proper. 5. Plaintiff remits all damages in excess of the jurisdictional amount 0f this Court. Dated: 10/26/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-5 0f 5 Qflx/M X]Christopher D. Mandarich, Esq. Attorneysfor Plaintifl EXHIBIT A CALIFORNIA CONSUMER INSTALLMENT LOAN AGREEMENT AND PROMISSORY NOTE Loan #: Projected Disbursement Date: _1 61 1 Nov 28, 2017 um ID: 725 Credltor. Borrower: NC Financial Solutions of California, LLC, d/b/a NetCredit I 75 W. Jackson Blvd, Suite I000 Chicago, IL 60604 877-392-2014 Benjamin Li 254 Irvington St, DALY CITX CA 94014 This California Consumer Installment Loan Agreement and Promissory Note (hereinafter the “Agreement”) includes the disclosures above, the Federal Truth in Lending Act Disclosures immediately below (“TILA Disclosures”) and the Additional Terms. In this Agreement, the words "you," "your" and “I” mean the borrower who has electronically signed it and the words "we," "us" and "our" mean NC Financial Solutions 0f California, LLC, d/b/a NetCredit (License No. 603K020) ("Lender"). We are a consumer installment lender. The loan is made pursuant t0 the California Finance Lenders Law, Division 9 (commencing With Section 22000) of the Financial Code. The California Department 0f Business Oversight regulates us (collectively, the parties). FOR MORE INFORMATION CONTACT THE DEPARTMENT OF BUSINESS OVERSIGHT, STATE OF CALIFORNIA. You may contact our regulator at the California Department of Business Oversight, Consumer Services Office, 320 West 4th Street, Suite 750, Los Angeles, CA 90013-2344. The Department’s website is mp://Www.dbo.ca.go_v. The Department’s phone numbers are: (213) 576-7500 or (866) 275-2677. You acknowledge this loan is for personal, family, 0r household purposes. Before we disburse Loan funds, we Will seek to verify the information we have collected in connection with your request for a Loan. Such verification may require you t0 provide additional information to us. You agree that, in the event that we are unable t0 complete the verification to our satisfaction, we are not obligated to disburse Loan funds. Ifwe do not disburse Loan funds, we will notify you at the e-mail address you provided on your application. Certain 0f the TILA Disclosures are based on our expectation that Loan fimds will be disbursed to you on the Projected Disbursement Date set forth above. Banking delays or holidays, or delays in making contact with you t0 verify the information you have provided t0 us, may cause the Loan funds t0 be disbursed later. We will begin accruing interest on the date the Loan funds are actually disbursed by us. THIS AGREEMENT INCLUDES AN ARBITRATION PROVISION. UNLESS YOU PROPERLY REJECT THE ARBITRATION PROVISION OR ARE A MEMBER OF THE ARMED FORCES OR A DEPENDENT OF SUCH A MEMBER COVERED BY THE FEDERAL MILITARY LENDING ACT, THE ARBITRATION PROVISION WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE WITH US. FOR EXAMPLE, IF WE ELECT TO REQUIRE YOU TO ARBITRATE ANY CLAIM, YOU WILL NOT HAVE THE RIGHT TO A JURY TRIAL OR THE RIGHT TO PARTICIPATE IN A CLASS ACTION IN COURT OR IN ARBITRATION. FEDERAL TRUTH IN LENDING ACT DISCLOSURES ANNUAL FINANCE CHARGE Amount Financed The Total 0f Payments The amount PERCENTAGE RATE The dollar amount amount 0f credit you Will have paid after you The cost 0f your credit the credit Will cost provided t0 you 0r 0n have made all payments as as a yearly rate. you. your behalf. scheduled 98.02% (e) $8,673.72 (e) $3,960.00 $12,633.72 (e) Payment Schedule (e): Payment number Amount 0f Payments When Payments Are Due 1 $350.96 Jan 5, 2018 2 $350.96 Feb 2, 2018 3 $350.96 Mar 2, 2018 4 $350.96 Apr 6, 2018 5 $350.96 May 4, 2018 6 $350.96 Jun 1, 2018 7 $350.96 Jul 6, 2018 8 $350.96 Aug 3, 2018 9 $350.96 Sep 7, 2018 10 $350.96 Oct 5, 2018 11 $350.96 Nov 2, 2018 12 $350.96 Dec 7, 2018 13 $350.96 Jan 4, 2019 14 $350.96 Feb 1, 2019 15 $350.96 Mar 1, 2019 16 $350.96 Apr 5, 2019 17 $350.96 May 3, 2019 18 $350.96 Jun 7, 2019 19 $350.96 Jul 5, 2019 20 $350.96 Aug 2, 2019 21 $350.96 Sep 6, 2019 22 $350.96 Oct 4, 2019 23 $350.96 Nov 1, 2019 24 $350.96 Dec 6, 2019 25 $350.96 Jan 3, 2020 26 $350.96 Feb 7, 2020 27 $350.96 Mar 6, 2020 28 $350.96 Apr 3, 2020 29 $350.96 May 1, 2020 30 $350.96 Jun 5, 2020 31 $350.96 Jul 3, 2020 32 $350.96 Aug 7, 2020 33 $350.96 Sep 4, 2020 34 $350.96 Oct 2, 2020 35 $350.96 Nov 6, 2020 36 $350.12 Dec 4, 2020 Security: You are giving a security interest in the Payment Authorization. Late Charge: Ifyou fail to make all or any part 0f a scheduled installment payment Within 15 days 0f its scheduled installment due date, you may be charged a late charge of $15.00. Prepayment: If you prepay in full before the cancellation deadline described below, you may be entitled to a refund of part of the finance charge. Ifyou pay in filll or in part after this, you Will not have to pay a penalty. Contract Reference: See the Additional Terms for any additional information about nonpayment, default, our right to accelerate maturity of this Agreement and prepayment rebates and penalties. (e) means estimate. ITEMIZATION OF AMOUNT FINANCED OF $3,960.00 Amount given t0 you directly $3,960.00 ADDITIONAL TERMS PROMISE TO PAY, LATE CHARGE, AND CALCULATION OF INTEREST. You promise to pay us $3,960.00 (the amount of the principal) plus interest from the date the Loan Funds are actually disbursed to you until the final installment due date set forth in the payment schedule above (“Payment Schedule”), 0r any adjusted payment schedule subsequently agreed to by you and us and confirmed by us in writing (“Maturity Date”). You also promise to pay any other charges provided for under this Agreement. The Finance Charge disclosure above represents the amount 0f interest you will pay under this Agreement assuming you pay all your scheduled installment payments when due according to the Payment Schedule (and assuming your Loan is disbursed 0n the Projected Disbursement Date). You promise t0 make the payments you owe by authorizing us t0 initiate electronic fimd transfers from a deposit account 0f yours; or, in the event that we are unable t0 process electronic fund transfers, by making payment by another method acceptable t0 us. In order for your payment t0 be considered timely, it must be submitted by the cut-off time applicable to your method 0f payment, which can be found at h_ttps://www.netcredit.com/faq. If you fail to make all or any part of a scheduled installment payment within 15 days of its scheduled installment due date, you may be charged a late charge of $15.00. We charge interest under an adjusted daily simple interest method at the annual rate 0f 99.00% (“Contract Rate”). Interest shall not be payable in advance 0r compounded. We apply the Contract Rate to the “Adjusted Principal Balance” from the Disbursement Date until the earlier of (i) the Maturity Date, (ii) prepayment in full, or (iii) acceleration pursuant to the default provisions. The term “Adjusted Principal Balance” (hereinafter the “APB”) means the loan principal balance that would be outstanding assuming you make each payment timely, less any additional prepayments 0f principal. “Timely” means making payment in accordance with the Payment Schedule or any adjusted payment schedule agreed to by the parties and confirmed by us in writing. The APB will equal the outstanding loan principal balance if you make all payments timely and no other payments. You will not be required t0 pay more total interest than the amount set forth in the Finance Charge box above (unless your Loan is disbursed before the Projected Disbursement Date). PREPAYMENT. You have the right to prepay in full or in part at any time. You will not incur an additional charge, fee or penalty for prepayment. Prepayments of principal may reduce the total amount 0f interest you pay under this Agreement. To process a partial or full prepayment 0r receive a payoff balance, you should call us at (877)392-2014 or tell us ofyour intent to prepay in writing Via fax at (855)878-1068 or email at §1_1pp_gfi@netcredit.com. Please note that, unless otherwise specified, any payoff amount we provide will be calculated as 0f the date we expect t0 seek payment from your deposit account for the balance owing. CANCELLATION. You have the right to cancel this Loan until 06:00 PM Eastern Time on the next business day immediately following the day we disburse the proceeds of your Loan or, in the case of a refinancing, the third business day immediately following the day we apply your Loan proceeds t0 pay off another loan (as applicable, the “Cancellation Deadline”). To cancel, you must, n0 later than the Cancellation Deadline, inform us in writing Via fax at (855)878-1068 or email at s_uppo_rt@netcredit.com 0f your intent t0 cancel, Which Will authorize us to debit for the principal amount of the Loan, as described below. If you seek t0 cancel and your cancellation payment is successful, all interest that has accrued will be waived and you will have no further payment obligations under this Agreement. If you seek t0 cancel but your cancellation payment is returned unpaid or is otherwise not successful, your Loan will not be cancelled and your obligations under this Agreement will continue just as if you had not attempted t0 cancel. APPLICATION OF PAYMENTS. Payments Will be applied first to satisfy any past due amounts owing, and then t0 any currently scheduled installment amounts owing. If you are past due, we credit all payments received first to the oldest past due amounts owing by applying such first to unpaid fees, second to accumulated but unpaid interest, and third t0 past due principal owing. We repeat the process until all past due amounts have been paid in full. If you are not past due, we credit all payments t0 the current 0r upcoming scheduled installment by applying such first t0 fees, second to interest, and third t0 principal as of the date received. If an early payment is less than the amount 0f the next scheduled installment, then you must pay the difference 0n 0r before the corresponding installment due date. Making an installment payment in excess of what is due may reduce the total amount 0f interest you are scheduled to pay under this Agreement and your remaining payments (starting With your last payment and working backwards). However, you cannot generally rely 0n an excess payment made on 01' before one installment due date t0 satisfy the installment obligation associated with the next installment due date. For example, ifyou have a 12-insta11ment loan and, on your second installment due date, you make a double payment, you will still owe a regular installment payment 0n your third due date (but that extra payment will likely reduce the amount 0f interest you pay and may reduce or eliminate your twelfth installment payment). ELECTRONIC FUND TRANSFER AUTHORIZATION FOR YOUR LOAN PROCEEDS. You authorize us to initiate an electronic filnd transfer (“EFT”) t0 credit the checking or savings account specified in your Application/Data Verification form or any substitute account you may later provide us (the “Deposit Account”) With the proceeds 0fyour Loan. In the event that we make an error in processing this EFT, you further authorize us to initiate an EFT to the Deposit Account t0 correct the error. You authorize us to initiate EFT credits to the Deposit Account as may be necessary t0 obtain an accurate balance under this Agreement. PAYMENT AUTHORIZATION. EFT Authorization for Installment Payments; Error Correction; and in the Event 0f Acceleration, the Loan Balance You authorize us (which includes, for the purpose of this Payment Authorization, our servicers/service providers, successors and assigns and the servicers/service providers of our successors and assigns) to initiate an EFT through the ACH network (or another network of our choosing) from the Deposit Account for the following: o Each of the installment payments due under the Agreement (or, if you make a partial installment payment, the amount of the installment less the amount of any such payment) on 01' after its due date, including any payment due on a non-banking day, Which Will be processed on the following banking day; o In the event that you fail t0 make all or any part 0f a scheduled payment within 15 days of its scheduled installment due date, you may be charged a late charge of $15.00 on 01' after the next scheduled installment due date; o The final installment payment due, Which may vary based upon payment history (including early payments 01' extra payments) during the course 0f the Agreement; o In the event that you cancel the loan as prescribed in the Cancellation provision above, the entire loan principal Within two business days of timely cancellation; 0 In the event that you default and we declare the entire outstanding balance (the “Accelerated Balance”), including all accrued and unpaid interest that you owe under this Agreement, due and payable, the Accelerated Balance on 0r after the date we accelerate; and o The amount required t0 correct any error we make in processing an EFT on or after the date we make the error. If any payment cannot be obtained by EFT, you remain responsible for such payment under the Agreement. You agree that we may resubmit any returned EFT as permitted by law and network rules. Ifyou incur any late charges, you agree t0 allow us to add the amount of such late charge that comes due to your next scheduled installment EFT or to initiate a separate EFT for the late charge on the date of your next scheduled installment EFT. The amount of any EFT for a scheduled installment payment may be reduced by any amount we receive in advance of the EFT that reduces the installment due. You acknowledge that the origination ofEFT transactions to the Deposit Account must comply with the provisions of U.S. law. Modified Charges Instead 0f or in addition t0 any 0f the EFTs described above, you authorize us to process any EFTS you subsequently confirm by phone, fax, text message, email, or by logging into the online Loan account portal. Right t0 Stop Payment and Procedure for Doing So You may terminate one or all of the authorizations to initiate EFTS from the Deposit Account set forth above by calling us, c/o NetCredit, at (877)392-2014, or writing us Via fax at (855)878-1068 or e-mail at s_uppo_rt@netcredit.com. We Will discontinue initiating any EFTS you specify as soon as we reasonably can and, in any event, within three business days after receiving your termination request. In the event that you terminate this authorization, you may make payments on your loan by calling us at (877)392-2014 t0 initiate repayment by debit card, money order, Western Union, 0r MoneyGram 0r by sending us a check t0 NetCredit, P.O. Box 206766, Dallas, TX 75320-6766. The Individual account ID and Customer Name should be included with payment. No correspondence should be included. Range 0f Varying Amounts Your scheduled installment payments provided in the Payment Schedule shown above will vary if: (1) you make partial payments; and/or (2) you are assessed any late charges pursuant t0 the Agreement. The range 0fyour scheduled installment payments will normally not vary by more than the amount necessary for such adjustments. If your scheduled installment payment exceeds the described range, we will send you notice at least ten (10) days in advance 0f the payment. You may elect to receive notice in advance of any payment amount that varies from that Which is in your payment schedule or your most recent payment. To receive advance notice of all varying amount payments, you may call us, c/o NetCredit, at (877)392-2014, or write us Via fax at (855)878-1068 or e-mail at s_uppo_rt@netcredit.com. Your Deposit Account Information If there is any missing or erroneous information concerning your Deposit Account or the financial institution that holds it, then you authorize us t0 verify and correct such information. You have given us certain information about your Deposit Account so that we can verify the account number and routing number and you acknowledge that your Deposit Account is a legitimate, open, and active account. Fees Your Financial Institution May Charge You For Rejected Payments You understand that the financial institution holding your Deposit Account may impose additional fees in connection with returned 0r rejected EFTS, and you agree that we d0 not have any liability regarding any such fees. IN THE EVENT THAT YOU DO NOT HAVE SUFFICIENT FUNDS IN YOUR DEPOSIT ACCOUNT TO COVER THE AMOUNT OF ANY EFT AUTHORIZED HERE, YOU SHOULD CONTACT US AT LEAST THREE BUSINESS DAYS IN ADVANCE OF OUR INITIATING THE EFT SO THAT WE CAN STOP THE EFT AND ARRANGE FOR AN ALTERNATIVE METHOD OF REPAYMENT. Full Force and Effect This Payment Authorization will remain in filll force and effect until (i) we have received notification from you, as instructed above, of its termination in such time and in such manner as to afford us and the financial institution holding the Deposit Account a reasonable opportunity to act on it, or (ii) upon full and final payment of the amount you owe us under this Agreement. Optional Nature of Authorization Please note that you are not required to authorize us to initiate EFTs for your installment payments to enter into this Agreement. You have the option of arranging to make your installment payments by a method that does not involve EFTs. You agree that making your installment payments by EFT is for your convenience. By entering the last four digits of your Social Security Number and signing this Payment Authorization and clicking the “I AGREE” button below, you acknowledge that you are voluntarily choosing to make your installment payments by EFT. SECURITY. Pursuant to Comment 2(a)(25) of the Federal Reserve Board Official Staff Commentary to Regulation Z §1026.2, we have disclosed to you that our interest in the ACH Authorization is a security interest for Truth-in-Lending purposes only, because Federal and California law do not clearly address Whether our interest in the ACH Authorization is a "security interest." WAIVER OF JURY TRIAL. Subject to the Arbitration Provision, ifyou sign this Agreement you waive your right to have a jury trial to resolve any dispute you may have against us or a related third party. This Waiver of Jury Trial provision does not apply to you if, at the time of entering into this Agreement, you are a member of the armed forces or a dependent of such a member covered by the Federal Military Lending Act. DEFAULT AND ACCELERATION. Subject to any applicable law Which may require that we notify and/or give you a right to cure your default, we may declare you in default under this Agreement for any of the following reasons: (i) ifyou do not pay in full a payment in accordance With the Payment Schedule or any adjusted payment schedule subsequently agreed to by you and us and confirmed by us in writing; (ii) ifyou Violate any promise you make to us in this Agreement; (iii) ifyou file for protection under the United States Bankruptcy Code, or become subject to a proceeding Which seeks relief from debt; (iv) ifyou have made a false or misleading statement about an important matter in connection With this Agreement, including your application for credit; or (V) you die or become legally incompetent. In the event of default, we may (i) declare the entire outstanding balance that you owe under this Agreement, and if applicable, any other charges permitted by law, immediately due and payable; (ii) proceed to reduce our claim to a judgment in accordance With applicable law; and (iii) exercise any other rights we have under this Agreement or the law. To the extent permitted by applicable law, you agree to pay our court costs, reasonable attorneys’ fees and other collection costs related to the default. North Dakota and Wisconsin Residents Pursuant to applicable law, no provision(s) in this Agreement providing for the payment of attorneys’ fees by You shall apply. NON-WAIVER OF OUR RIGHTS. By choosing any one or more of these remedies listed above, we do not give up our right to use another remedy later. By deciding not to use any remedy should you be in default, we do not give up our right to consider the event a default if it happens again. We may delay or refrain from enforcing any of our rights under this Agreement Without waiving such rights. You understand that any waiver of our rights Will not be effective unless it is in writing signed by us. CREDIT REPORTING. We may report information about your Loan t0 credit bureaus. Late payments, missed payments or other defaults 0n your Loan may be reflected in your credit report. If you believe that any information about your Loan that we have furnished t0 a consumer reporting agency is inaccurate, 0r if you believe that you have been the victim 0f identity theft in connection with any Loan made by us, write t0 us at NC Financial Solutions 0f California, LLC. Attn: General Counsel, 175 W. Jackson Blvd., Suite 1000, Chicago, IL 60604. In your letter (i) provide your name and Loan number, (ii) identify the specific information that is being disputed, (iii) explain the basis for the dispute and (iv) provide any supporting documentation you have that substantiates the basis 0f the dispute. If you believe that you have been the Victim 0f identity theft, submit an identity theft affidavit 0r identity theft report. GOVERNING LAW AND EXECUTION. This Agreement (other than the Arbitration Provision) and all related disputes are governed by the laws of the United States and the State of California. Except as provided in the ARBITRATION PROVISION, if any provision of this Agreement is determined to be void or unenforceable under any applicable law, rule or regulation, all other provisions 0f this Agreement Will remain valid and enforceable. This Agreement is a final expression 0f the agreement between you and us and this Agreement may not be contradicted by evidence of any alleged oral agreement. The terms of this Agreement may not be changed except in a writing signed by you and us. No change shall release any party from liability unless otherwise expressly stated in writing. A11 of our rights are cumulative. Ifwe approve this Agreement, then you agree that this Agreement Will be binding and enforceable as to both parties. CORRESPONDENCE. A11 notices t0 us must be sent Via fax at (855)878-1068 or e-mail at silppo_rt@netcredit.com (“the Notice Address”), with such attention as may be specified in this Agreement. To the extent permitted under applicable law, any notice you send us Will not be effective until we receive and have had a reasonable opportunity to act on such notice. Any written or electronic correspondence we send to you will be effective and deemed delivered When sent in accordance with any authorization for electronic communications you execute or mailed to you at your mail address, as it appears on our records. BANKRUPTCY. A11 bankruptcy notices and related correspondence to us must be sent to the Notice Address, Attn: Bankruptcy Notice. You promise that you have no current intent t0 file any bankruptcy petition and have not consulted a bankruptcy attorney in the past six months. CHANGE IN CIRCUMSTANCES. You must notify us of any changes to your name, mailing or email address, 0r phone number (including your cell phone number) within fifteen (15) days by writing us at the Notice Address or going on www.netcredit.c0m (the “Website”). We will rely on your mail and email addresses as they appear on our records for any and all communications we send you by mail or email unless and until either you 0r, in the case ofyour mailing address, the U.S. Postal Service, notifies us of a change 0f address and we have had a reasonable opportunity to act on such notice. PARTIAL PAYMENTS MARKED PAYMENT IN FULL; SETTLEMENTS. Any check 0r other payment you send us for less than the total outstanding balance due under this Agreement that is marked “payment in full” or with any similar language or that you otherwise tender as full satisfaction of a disputed amount must be sent t0 NetCredit, P.O. Box 206766, Dallas, TX 75320-6766. We may deposit any such payment Without such deposit effecting a satisfaction of the disputed amount. Any settlement 0fyour Account balance for less than what is owed requires our written agreement. INADVERTENT OVERCHARGES. It is not our intention to charge any interest, fees or other amounts in excess of those permitted by applicable law or this Agreement. If any interest, fee or other amount is determined to be in excess of that permitted by applicable law or this Agreement, the excess amount Will be applied to reduce the outstanding balance due under this Agreement or, if there is no outstanding balance, Will be refilnded to you. CREDIT REPORTS; CREDIT HISTORY. You authorize us to obtain credit and other reports about you from time to time. CONTACTING YOU; PHONE AND TEXT MESSAGES; CALL RECORDING. You authorize us and our assignees and the affiliates, agents, representatives, assigns and service providers of us and our assignees (collectively, the “Messaging Parties”) to contact you using automatic telephone dialing systems, artificial or prerecorded voice message systems, text messaging systems and automated email systems in order to provide you With information about this Agreement, including information about upcoming payment due dates, missed payments and returned payments. You authorize the Messaging Parties to make such contacts using any telephone numbers (including Wireless, landline and VOIP numbers) or email addresses you supply to the Messaging Parties in connection With this Agreement, the Messaging Parties' servicing and/or collection of amounts you owe the Messaging Parties or any other matter. You understand that anyone With access to your telephone or email account may listen to or read the messages the Messaging Parties leave or send you, and you agree that the Messaging Parties Will have no liability for anyone accessing such messages. You further understand that, When you receive a telephone call, text message or email, you may incur a charge from the company that provides you With telecommunications, Wireless and/or Internet services, and you agree that the Messaging Parties Will have no liability for such charges. You expressly authorize the Messaging Parties to monitor and record your calls With the Messaging Parties. ASSIGNMENT. We may sell or otherwise transfer our rights under this Agreement and amounts owed by you to another creditor at any time. Ifwe d0, this Agreement Will remain in effect. You may not transfer your rights under this Agreement. Any attempt to do so Will be void. MILITARY LENDING ACT. General The Military Lending Act provides protections for certain members 0f the Armed Forces and their dependents (“Covered Borrowers”). The provisions 0f this section apply t0 Covered Borrowers. If you would like more information about Whether you are a Covered Borrower and Whether this section applies t0 you, please contact us at (877)392-2014. Statement ofMAPR Federal law provides important protections t0 members 0f the Armed Forces and their dependents relating t0 extensions 0f consumer credit. In general, the cost 0f consumer credit t0 a member 0f the Armed Forces and his 0r her dependent may not exceed an Annual Percentage Rate 0f 36 percent. This rate must include, as applicable t0 the credit transaction 0r account: (1) the costs associated With credit insurance premiums; (2) fees for ancillary products sold in connection With the credit transaction; (3) any application fee charged (other than certain application fees for specified credit transactions 0r accounts); and (4) any participation fee charged (other than certain participation fees for a credit card account). Oral Disclosures Before signing this Agreement, in order t0 hear important disclosures and payment information about this Agreement, please call (877)392-2014. Covered Borrowers Savings Clause The provisions 0f this Paragraph apply only t0 a “Covered Borrower” as that term is defined by 32 C.F.R. § 232.3(g). If any contract provision not identified herein is contrary t0 the rights and protections afforded t0 you by Federal law pursuant t0 10 U.S.C. § 987 and its implementing regulations, including, but not limited t0 32 C.F.R. § 232.8, then the conflicting provisions 0r proscribed terms are inoperative, and shall have n0 force and effect. However, all remaining contract terms and provisions not proscribed 0r prohibited shall remain in full force and effect. MISCELLANEOUS. The section headings used in this Agreement are for convenience of reference only and do not in any way limit or define your or our rights or obligations hereunder. If any provision of this Agreement is invalid or unenforceable under any law, rule or regulation, it shall not affect the validity or enforceability of any other provision of this Agreement. Except as otherwise provided in this Agreement or as required by applicable law, we Will not be responsible for any claim or defense you may have against any third party that arises out of or in connection With this Agreement. ARBITRATION PROVISION. Arbitration is a process in Which persons With a dispute(s): (a) agree to submit their dispute(s) to a neutral third person (an "arbitrator") for a decision; and (b) waive their rights to file a lawsuit in court to resolve their dispute(s). Each party to the dispute(s) has an opportunity to present some evidence to the arbitrator. Pre- arbitration discovery may be limited. Arbitration proceedings are private and less formal than court trials. The arbitrator will issue a final and binding decision resolving the dispute(s), Which may be enforced as a court judgment. A court rarely overturns an arbitrator's decision. THIS ARBITRATION PROVISION APPLIES UNLESS (1) YOU HAVE EXERCISED 0R EXERCISE YOUR RIGHT To REJECT ARBITRATION 0R (2) As 0F THE DATE 0F THIS AGREEMENT, YOU ARE A MEMBER 0F THE ARMED FORCES 0R A DEPENDENT 0F SUCH MEMBER COVERED BY THE FEDERAL MILITARY LENDING ACT. IF YOU WOULD LIKE MORE INFORMATION ABOUT WHETHER YOU ARE COVERED BY THE MILITARY LENDING ACT, IN WHICH CASE THIS ARBITRATION PROVISION DOES NOT APPLY T0 YOU, PLEASE CONTACT US AT (877)392-2014. READ THIS ARBITRATION PROVISION CAREFULLY AS IT WILL HAVE A SUBSTANTIAL IMPACT ON HOW LEGAL CLAIMS YOU AND WE HAVE AGAINST EACH OTHER ARE RESOLVED. YOU HAVE THE RIGHT TO OPT-OUT OF (NOT BE BOUND BY) THIS ARBITRATION PROVISION AS DESCRIBED BELOW. IF YOU DO NOT DO SO: 1. YOU ARE WAIVING YOUR RIGHT TO HAVE A JURY OR A COURT, OTHER THAN A SMALL CLAIMS COURT OR SIMILAR COURT OF LIMITED JURISDICTION, RESOLVE ANY CLAIM THAT IS SUBJECT TO ARBITRATION; and 2. YOU ARE WAIVING YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, AND/OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN COURT OR IN ARBITRATION WITH RESPECT TO ANY CLAIM THAT IS SUBJECT TO ARBITRATION. THEREFORE, YOU ACKNOWLEDGE AND AGREE AS FOLLOWS: Interstate Commerce This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act (“FAA”), 9 U.S.C. § 1 et seq., and not by any state arbitration law. mpg For purposes of this Arbitration Provision, the word “Claim” has the broadest possible meaning and includes, Without limitation (a) all federal or state law claims, disputes or controversies, Whether preexisting, present or future, arising from or relating directly or indirectly to this Agreement, the information you gave us before entering into this Agreement, including your application, and/or any past agreement or agreements between you and us, any loan or credit product or related product or services obtained from us and any advice, recommendations, solicitations, communications, disclosures, promotions or advertisements concerning the same; (b) all initial claims, counterclaims, cross-claims and third-party claims and claims Which arose before the effective date of this Arbitration Provision; (c) all common law claims based upon contract, tort, fraud, or other intentional torts; (d) all claims based upon a Violation of any local, state or federal constitution, statute, ordinance or regulation, including without limitation all claims alleging unfair, deceptive or unconscionable trade practices; (e) all claims asserted by us against you, including claims for money damages to collect any sum we claim you owe us; (f) all claims asserted by you individually against us and/or any of our employees, directors, officers, shareholders, governors, managers, members, parent company or affiliated entities, or assignees (including but not limited to NetCredit) or against the servicer of your Loan (including but not limited to NetCredit) (hereinafter collectively referred to as "related third parties"), including claims for money damages, restitution and/or equitable or injunctive relief; (g) claims asserted by you against other persons and entities ifyou assert a Claim against such other persons and entities in connection With a Claim you assert against us or related third parties; and (h) all data breach or privacy claims arising from or relating directly or indirectly to the disclosure by us or related third parties of any non-public personal information about you. Notwithstanding the foregoing, the word “Claim” does not include any dispute or controversy about the validity, enforceability, coverage or scope of this Arbitration Provision or any part thereof (including, Without limitation, the Class Action Waiver set forth below and/or this sentence); all such disputes or controversies are for a court and not an arbitrator to decide. However, any dispute or controversy that concerns the validity or enforceability of the Agreement as a Whole is for the arbitrator, not a court, to decide. In addition, this Arbitration Provision Will not apply to (1) any individual action brought by you in small claims court or your state’s equivalent court, unless such action is transferred, removed, or appealed to a different court; or (2) any disputes that are the subject of a class action filed in court that is pending as of the effective date of this Arbitration Provision in Which you are alleged to be a member of the putative class for as long as such class action is pending. Class Action Waiver Notwithstanding any other provision 0f this Arbitration Provision, if either you 0r we elect t0 arbitrate a Claim, neither you nor we Will have the right: (a) t0 participate in a class action, private attorney general action 0r other representative action in court 0r in arbitration, either as a class representative 0r class member, 0r (b) t0 join 0r consolidate Claims With Claims 0f any other persons. N0 arbitrator shall have authority t0 conduct any arbitration in violation 0f this provision 0r t0 issue any relief that applies t0 any person 0r entity other than you and/or us individually. (Provided, however, that the Class Action Waiver does not apply t0 any lawsuit 0r administrative proceeding filed against us by a state 0r federal government agency even When such agency is seeking relief 0n behalf 0f a class 0f borrowers including you. This means that we Will not have the right t0 compel arbitration 0f any claims brought by such an agency). The parties t0 this Arbitration Provision acknowledge that the Class Action Waiver is material and essential t0 the Arbitration Provision. If the Class Action Waiver is limited, voided 0r found unenforceable, then the parties’ Arbitration Provision (except for this sentence) shall be null and void With respect t0 such proceedings, subject t0 the right t0 appeal the limitation 0r invalidation 0f the Class Action Waiver. The parties acknowledge and agree that under n0 circumstances Will a class action be arbitrated. Electing Arbitration A party may elect arbitration of a Claim by sending the other party written notice by certified mail return receipt requested of their intent to arbitrate and setting forth the subject of the dispute along With the relief requested. Your notice must be sent to NC Financial Solutions of California, LLC. Attn: General Counsel, 175 W. Jackson B1Vd., Suite 1000, Chicago, IL 60604, and our notice must be sent to the most recent address for you in our files. If a lawsuit concerning the Claim has been filed, such notice can be provided by papers filed in the lawsuit. Administrator Regardless ofWho demands arbitration, you shall have the right to select either of the following arbitration organizations to administer the arbitration: the American Arbitration Association, 1633 Broadway, 10th Floor, New York, NY 10019 (1-800-778-7879), h_ttp://www.adr.org; or JAMS, 8401 N. Central Expressway, Suite 610, Dallas, TX 75225 (1-800-352-5267), http:_//jamsadr.com. However, the parties may agree t0 a local arbitrator who is an attorney, retired judge, or arbitrator registered and in good standing with a bona fide arbitration association and arbitrate pursuant to the arbitrator’s rules. If the AAA and JAMS are unable or unwilling t0 serve as administrator, or the parties are unable t0 agree upon another administrator, a court shall determine the administrator or arbitrator. The arbitration hearing will take place at a location reasonably convenient t0 where you reside. Ifyou demand arbitration, you must inform us in your demand of the arbitration organization you have selected or whether you desire to select a local arbitrator. If related third parties or we demand arbitration, you must notify us within 20 days in writing by certified mail, return receipt requested, of your decision to select an arbitration organization 0r your desire t0 select a local arbitrator. Your notice must be sent to NC Financial Solutions of California, LLC. Attn: General Counsel, 175 W. Jackson Blvd., Suite 1000, Chicago, IL 60604. If you fail to notify us, then we have the right to select an arbitration organization. The arbitration Will be governed by the rules and procedures of this arbitration organization applicable to individual consumer disputes. You may get a copy 0f the rules and procedures by contacting the arbitration organization listed above. In an event 0f a conflict between the provisions of the Arbitration Provision, 0n the one hand, and any applicable rules 0f the AAA or JAMS or other administrator used or any other terms of this Agreement, on the other hand, the provisions of this Arbitration Provision shall control. If a party files a lawsuit in court asserting Claim(s) that are subject to arbitration and the other party files a motion to compel arbitration With the court which is granted, it Will be the responsibility 0f the party prosecuting the Claim(s) to select an arbitration administrator in accordance with this paragraph and commence the arbitration proceeding in accordance with the administrator’s rules and procedures. Arbitrator and Award Any arbitrator must be a practicing attorney with ten or more years of experience or a retired judge. The arbitrator Will not be bound by judicial rules of procedure 01' evidence that would apply in a court, nor by state 0r local laws that relate to arbitration proceedings. The arbitrator will apply the same statutes of limitations and privileges that a court would apply if the matter were pending in court. The arbitrator may decide, With or Without a hearing, any motion that is substantially similar to a motion t0 dismiss for failure to state a claim or a motion for summary judgment. In determining liability 0r awarding damages 0r other relief, the arbitrator Will follow the applicable substantive law, consistent With the FAA, Which would apply if the matter had been brought in court. The arbitrator may award any damages or other relief 0r remedies that would apply under applicable law t0 an individual action brought in court, including, without limitation, punitive damages (Which shall be governed by the Constitutional standards employed by the courts) and injunctive, equitable and declaratory relief (but only in favor 0f the individual party seeking relief and only t0 the extent necessary t0 provide relief warranted by that party’s individual claim). Fees and Costs At your written request, we Will pay all filing, hearing and/or other fees charged by the administrator and arbitrator to you for Claim(s) asserted by you in an individual arbitration after you have paid an amount equivalent to the fee, if any, for filing such Claim(s) in state 0r federal court (Whichever is less) in the judicial district in which you reside. (Ifyou have already paid a filing fee for asserting the Claim(s) in court, you will not be required t0 pay that amount again). We Will not seek reimbursement 0f such fees from you even ifwe prevail in the arbitration. In addition, the administrator may have a procedure whereby you can seek a waiver of fees charged t0 you by the administrator and arbitrator. We will always pay any fees or expenses that we are required t0 pay by law 0r the administrator’s rules 0r that we are required t0 pay for this Arbitration Provision to be enforced. The arbitrator will have the authority to award fees and costs 0f attorneys, witnesses and experts to the extent permitted by this Agreement, the administrator’s rules 0r applicable law. With respect to Claim(s) asserted by you in an individual arbitration, we will pay your reasonable attorney, witness and expert fees and costs if and t0 the extent you prevail, if applicable law requires us to or ifwe must bear such fees and costs in order for this Arbitration Provision to be enforced. At the timely request of either party, the arbitrator shall write a brief explanation of the grounds for the decision. Appe_al The arbitrator’s award shall be final and binding 0n all parties, except for any right 0f appeal provided by the FAA. However, if the amount in controversy exceeds $50,000, and if permitted by the Administrator’s rules, you or we can, within 14 days after the entry of the award by the arbitrator, appeal the award t0 a three-arbitrator panel administered by the Administrator. The panel shall reconsider anew any aspect 0f the initial award requested by the appealing party. The decision 0f the panel shall be by majority vote. Unless the parties agree otherwise and t0 the extent feasible, the appeal will be conducted pursuant to or modeled after the JAMS Optional Appeal Procedure, available at h_ttp://Www.jamsadr.com/rules-optional-appeal-Drocedure/. Reference in this Arbitration Provision to “the arbitrator” shall mean the panel if an appeal 0f the arbitrator’s decision has been taken. The costs of such an appeal will be borne in accordance With the paragraph above titled “Fees and Costs.” Any final decision 0f the appeal is subj ect t0 judicial review only as provided under the FAA. A judgment on the award may be entered by any court having jurisdiction. Notice and Cure;_Special Payment Prior to initiating a Claim, you may send us a written Claim Notice. In order for a Claim Notice t0 be valid and effective, it must: (a) state your name, address and loan number; (b) be signed by you; (c) describe the basis of your Claim and the amount you would accept to resolve the Claim; (d) state that you are exercising your rights under the “Notice and Cure” paragraph 0f the Arbitration Provision; and (e) be sent t0 us by certified mail, return receipt requested, at NC Financial Solutions 0f California, LLC. Attn: General Counsel, 175 W. Jackson B1Vd., Suite 1000, Chicago, IL 60604. This is the sole and only method by which you can submit a Claim Notice. Upon receipt 0f a Claim Notice, we Will credit you for the standard cost 0f a certified letter. You must give us a reasonable opportunity, not less than 30 days, t0 resolve the Claim. If, and only if, (i) you submit a Claim Notice in accordance With this paragraph 0n your own behalf (and not 0n behalf of any other party); (ii) you cooperate With us by promptly providing the information we reasonably request; (iii) we refuse t0 provide you with the reliefyou request before an arbitrator is appointed; and (iv) the matter then proceeds to arbitration and the arbitrator subsequently determines that you were entitled to such relief (0r greater relief), you Will be entitled to a minimum award 0f at least $7,500 (not including any arbitration fees and attorneys’ fees and costs t0 which you will also be entitled). We encourage you t0 address all Claims you have in a single Claim Notice and/or a single arbitration. Accordingly, this $7,500 minimum award is a single award that applies to all Claims you have asserted or could have asserted in the arbitration, and multiple awards 0f $7,500 are not contemplated. OPT-OUT PROCESS. You may choose to opt out 0f this Arbitration Provision but O_nly by following the process set forth below. Ifyou d0 not wish t0 be subject t0 this Arbitration Provision, then you must notify us in writing postmarked within sixty (60) calendar days 0f the date of this Agreement at the following address: NC Financial Solutions 0f California, LLC. Attn: General Counsel, 175 W. Jackson Blvd., Suite 1000, Chicago, IL 60604. Your notice must be sent t0 us by certified mail, return receipt requested. Upon receipt 0f an Opt-Out Notice, we will credit you for the standard cost 0f a certified letter. Your Opt-Out Notice must include your name, address, Social Security number, the date of this Agreement, a statement that you Wish to opt out 0f the Arbitration Provision and must not be sent with any other correspondence. Indicating your desire to opt out 0f this Arbitration Provision Will not affect your other rights 01' responsibilities under this Agreement, and applies only t0 this Arbitration Provision between you and us. Binding Effect; Survival; Severability This Arbitration Provision is binding upon and benefits you, your respective heirs, successors and assigns. The Arbitration Provision is binding upon and benefits us, our successors and assigns, and related third parties. The Arbitration Provision shall survive any bankruptcy to the extent consistent With applicable bankruptcy law. The Arbitration Provision survives any termination, amendment, expiration or performance of this Agreement and any transaction between you and us and continues in full force and effect unless you and we otherwise agree in writing. If any part of this Arbitration Provision, other than the Class Action Waiver, is deemed or found to be unenforceable for any reason, the remainder shall be enforceable. IMPORTANT NOTICES REQUIRED BY LAW California Residents You agree that we may access your credit report in connection with any transaction, or extension of credit, and on an ongoing basis, for the purpose of reviewing this Agreement, taking collection action on this Agreement, or for any other legitimate purposes associated With this Agreement. Upon your request, you Will be informed of whether or not a consumer credit report was ordered, and if it was, you will be given the name and address of the consumer reporting agency that furnished the report. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted t0 a credit reporting agency ifyou fail t0 fulfill the terms of your credit obligations. Broker You represent and warrant that no person has performed any act as a broker in connection with the making of this loan. By clicking the "I AGREE" button below and providing any additional information as may be requested below, you understand and acknowledge that you are taking the following three (3) separate actions: 1. PAYMENT AUTHORIZATION By typing in the last four digits 0f your Social Security number below and clicking the “I Agree” button below, you are electronically signing the Payment Authorization and you certify that you have fillly read and understood the sections of this Agreement captioned "PAYMENT AUTHORIZATION" and "ELECTRONIC FUND TRANSFER AUTHORIZATION FOR YOUR LOAN PROCEEDS", you agree to comply with, and be bound by, their terms and you agree and understand that you are authorizing us to credit your Deposit Account With the proceeds 0f your Loan and to seek payment from this Deposit Account for the amounts owed under this Agreement as set forth in those sections. Enter the last 4 digits 0fyour Social Security Number Please note that we separately authenticate the above electronic signature When you click the "I Agree" button below 2. AGREEMENT TO INSTALLMENT LOAN AGREEMENT By entering your name and social security number below and clicking the “I AGREE” button below, you are electronically signing this Agreement and acknowledging that (a) you understand that NetCredit would be your lender under the above Agreement; (b) the Agreement was filled in before you signed it and that you have reviewed the entire Agreement, including the FEDERAL TRUTH-IN-LENDING DISCLOSURES; (c) you have reviewed and agree to NetCredit’s PRIVACY POLICY; (d) you acknowledge that your right to file suit against us for any claim or dispute regarding this Agreement is limited by the WAIVER and ARBITRATION provisions; (e) you represent that you are not a debtor under any proceeding in bankruptcy and have no intention to file a petition for relief under any chapter of the United States Bankruptcy Code; and (f) you acknowledge that you have read and understood all of the terms of this Agreement, including the provisions mentioned above and you agree to comply with, and be bound by, all of those terms. Please note that When you click the 'I Agree’ button below, we authenticate your electronic signature and we also separately authenticate your electronic signature for the PAYMENT AUTHORIZATION that you separately and voluntarily entered above. YOU SHOULD PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS. AN ELECTRONIC COPY WILL BE MAINTAINED ON THIS WEBSITE IN YOUR PASSWORD PROTECTED CUSTOMER HISTORY. Any comments 0r questions may be directed to our Customer Comment Line at the following toll-free number: (877)392-2014 or via e-mail t0 wpport@netcredit.com. CAUTION: IT IS IMPORTANT THAT YOU THOROUGHLY READ THE AGREEMENT BEFORE YOU SIGN IT. THIS AGREEMENT INCLUDES AN ARBITRATION PROVISION. UNLESS YOU PROPERLY REJECT THE ARBITRATION PROVISION OR ARE A MEMBER OF THE ARMED FORCES OR A DEPENDENT OF SUCH A MEMBER COVERED BY THE FEDERAL MILITARY LENDING ACT, THE ARBITRATION PROVISION WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE WITH US. FOR EXAMPLE, IF WE ELECT TO REQUIRE YOU TO ARBITRATE ANY CLAIM, YOU WILL NOT HAVE THE RIGHT TO A JURY TRIAL OR THE RIGHT TO PARTICIPATE IN A CLASS ACTION IN COURT OR IN ARBITRATION. 3. CONSENT TO ELECTRONIC SIGNATURES By clicking the “I AGREE” button below, you have consented to sign this Agreement using an electronic signature, you intend: (i) your electronic signature to be an electronic signature under applicable federal and state law; (ii) any printout of an electronic record of this Agreement and related notices to be an original document; (iii) to conduct business With Lender by electronic records and electronic signatures; and (iv) this Agreement Will not be governed by Article 3 of the Uniform Commercial Code. NOTICE TO BORROWER (a) DO NOT SIGN THIS AGREEMENT BEFORE YOU READ THE WRITING ABOVE, EVEN IF OTHERWISE ADVISED. CAUTION-IT IS IMPORTANT THAT (b) DO NOT SIGN THIS AGREEMENT IF IT CONTAINS YOU THOROUGHLY READ THE ANY BLANK SPACES. AGREEMENT BEFORE YOU SIGN IT. (c) YOU ARE ENTITLED TO AN EXACT COPY OF ANY AGREEMENT YOU SIGN. (d) YOU HAVE THE RIGHT AT ANY TIME TO PAY IN ADVANCE THE UNPAID BALANCE DUE UNDER THIS AGREEMENT WITHOUT PENALTY. By clicking "I Agree" below, I understand that an inquiry Will be run on my credit report, Which may impact my credit score. Signature block: Signed At: 02:50 PM on November 27, 2017 Connected From: 71.197.104.47 Signed By: Benjamin Li XXX-XX-- Signed As: Benjamin Li XXX-XX -Contract: {SHA} ef3640 1 65937bec6el 66768 1 9272a605cd427020 ACH Authorization: {SHA} e472dbb4ad91bc96ab448a3eaeecb24793 1bab9d NetCredit Signature Block: Signed at: 01 :06 AM on November 28, 2017 Signed by: David Fisher, President, NC Financial Solutions, LLC, as sole member ofNC Financial Solutions of California, LLC (d/b/a NetCredit) NetCredit: {SHA} 088aa487b60f05fb61d3f5ae77193aa279963774 EXHIBIT B | o a n _ n u m bW i n fi fl m O U h t v 7 B e n j a B e n j a B e n j a B e n j a B e n j a B e n j a B e n j a B e n j a B e n j a B e n j a 1 5 / 2 0 1 $ 5 0 . 9 6 2 fl / 2 0 1 8 3 5 0 . 9 6 3 / Q / 2 0 1 8 3 5 0 . 9 6 4 fl / 2 0 1 8 3 5 0 . 9 6 6 fl / 2 0 1 8 6 & / 2 0 1 8 5 0 . 9 6 7 , 9 / 2 0 1 8 7 , 9 / 2 0 1 8 3 5 0 9 6 8 fl / 2 0 1 8 3 6 5 . 9 6 8 5 / 2 0 1 8 1 8 0 1 8 1 5 1 5 past_due_balance_outstanding 000 350.96 1067.88 2135.76 1784.8 3569.6 2150.76 6330.94 \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO Electmnica lly try Superior [nun Inf Callfnrnla. Emmy {If San Maren Christopher D. Mandarich SB 220693 cm 10/29/2021 Ajay Sood SB325294 Hayk Stambultsyan $3320973 31' um Martin Weingarten SB 201906 MANDARICH LAW GROUP, LLP P.O. Box 109032 Chicago, IL 60610 Phone: 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintifl: Midland Credit Management, Inc SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED Midland Credit Management, Inc, Case N021 -CLJ_05944 Plaintiff, FILE BY FAX COMPLAINT FOR: vs. 1. ACCOUNT STATED STEVEN J GRIFFIS, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant. DEMAND; $12,105.69 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1. Plaintiff is and at all times herein mentioned, Midland Credit Management, Inc. 2. Plaintiff is a debt buyer, and is the sole owner 0f the debt at issue. 3. Plaintiff is informed and believes that Defendant are individuals who currently reside within the jurisdictional boundaries 0f the above entitled Court. Therefore, this Court is the proper Court for trial of this action. 4. Plaintiff is unaware of the true names or capacities, whether individual, corporate, associate or otherwise ofthe Defendant sued herein as DOES 1 through 10 inclusive, and therefore, sued the Defendant by such fictitious names. PlaintiffWill amend this Complaint t0 show their true names and capacities once ascertained. 5. Plaintiff believes and at all times mentioned herein, each of the Defendant was, and is, the agent, servant and employee, employer of each 0f the other Defendant, and also acted in the capacity 0f and as agent of the other Defendant. Plaintiff also believes that the individual Exhibit "93" Complaint Page 1 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO Defendant, and each 0fthem, are jointly and severally liable that the actions described herein were taken as actions for the benefit 0f the Defendant's separate and/or community property. FACTS SPECIFIC TO CAPITAL ONE BANK (USA), N.A. CREDIT ACCOUNT XXXXXXXXXXXX4531 6. Plaintiff refers t0 and incorporates paragraphs 1 through 5. 7. Plaintiff is, and at all times herein mentioned, success in interest t0 original creditor, CAPITAL ONE BANK (USA), N.A.. 8. The subject credit account has been purchased by the following entities after charge-off: The subject credit account was transferred by CAPITAL ONE BANK (USA), N.A. to Plaintiff Midland Credit Management, Inc, who maintains an address at 350 Camino De La Reina Suite 100,San Diego CA 92108. 9. The charge-off creditor at the time 0fcharge-off is CAPITAL ONE BANK (USA), N.A., 4851 COX ROAD GLEN ALLEN, VA 23060, and the account number associated With this debt is XXXXXXXXXXXX453 1. 10. The name and last known address 0f the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0f the debt is STEVEN J GRIFFIS, 656 BELLEVUE AVE , DALY CITY, CA 94014-1267. 11.The date 0f last payment on the subject account was on July 1, 2019. 12.Within the last four years, the Defendant failed t0 make payments as agreed on the Account. Defendant has failed, refused and neglected to pay amounts due 0n the Account. 13. The debt balance at charge-offwas $7,368.26, and upon information and belief there is Complaint Page 2 KOOOQONUl-bwwr-t NNNNNNNNNr-tr-tr-tr-tr-Ar-Ab-Ab-Ab-Ar-t OONlel-KUJNr-KOKOOONGUl-bUJNr-KO $0.00 in post charge off fees and $0.00 in post charge off interest. 14. Subsequent to charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $7,368.26. 15. Upon information and belief, CAPITAL ONE BANK (USA), N.A. and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 16. Plaintiff has complied With California Civil Code Section 1788.52. 17. Plaintiff has attached hereto as Exhibit A and incorporated herein by reference a copy 0f Billing Statement provided to the Defendant while the account was active, demonstrating that the debt was incurred by the Defendant. 18. Plaintiff has attached hereto as Exhibit B and incorporated herein by reference a copy of the Final Billing Statement and/or Transaction History. REST OF PAGE INTENTIONALLY LEFT BLANK /// /// /// Complaint Page 3 \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RWNt-‘OKOOOQQUI-hUJNHO FACTS SPECIFIC TO CITIBANK, N.A. CREDIT ACCOUNT XXXXXXXXXXXX3590 19. Plaintiff refers to and incorporates paragraphs 1 through 18. 20. Plaintiff is, and at all times herein mentioned, success in interest to original creditor, CITIBANK, N.A.. 21. Plaintiff is the only entity that purchased the debt after charge-off and its name and address is as follows: Midland Credit Management, Inc 350 Camino De La Reina Suite 100 San Diego CA 92108. 22. The charge-off creditor at the time 0f charge-off is CITIBANK, N.A., 5800 SOUTH CORPORATE PLACE SIOUX FALLS, SD 57108, and the account number associated with this debt is XXXXXXXXXXXX3590. 23. The name and last known address 0f the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0f the debt is STEVEN J GRIFFIS, 656 BELLEVUE AVE , DALY CITY, CA 94014-1267. 24. The date of last payment 0n the subj ect account was 0n August 5, 2019. 25. Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected to pay amounts due on the Account. 26. The debt balance at charge-offwas $4,737.43, and upon information and belief there is $0.00 in post charge off fees and $0.00 in post charge off interest. 27. Subsequent to charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $4,737.43. 28. Upon information and belief, CITIBANK, N.A. and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 29. Plaintiff has complied with California Civil Code Section 1788.52. 30. Plaintiff has attached hereto as Exhibit C and incorporated herein by reference a copy of Billing Statement provided to the Defendant while the account was active, demonstrating that the debt was incurred by the Defendant. Complaint Page 4 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO /// /// /// 3 1. Plaintiff has attached hereto as Exhibit D and incorporated herein by reference a copy of the Final Billing Statement and/or Transaction History REST OF PAGE LEFT INTENTIONALLY BLANK Complaint Page 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO FACTS COMMON TO ALL CAUSES OF ACTION 32. Plaintiff refers to and incorporates paragraphs 1 through 3 1. 33. Plaintiff seeks the total amount due and owing 0n Credit Account XXXXXXXXXXXX4531 and Credit Account XXXXXXXXXXXX3590 (hereinafter, “Accounts”). 34. Plaintiff believes that, for value received, Defendant and each of them, executed and delivered a credit card application t0 the original credit0r(s) 0r made such application over the telephone or Internet. Pursuant t0 the aforementioned application, the original creditor(s) provided Defendant with the Accounts, and granted use privileges on the same. 35. Prior t0 the commencement 0f this action, the Accounts were assigned for value t0 the Plaintiff and Plaintiff is its current holder. 36. Defendant agreed t0 repay the original creditor(s) and any successors in interest, for any charges on the Accounts including, but not limited t0, charges for purchase 0f goods and service and/or cash advances and balance. 37. Defendant used the Accounts t0 make purchases and/or to take cash advances and/or to make balance transfers. Each time the Defendant used the Accounts to purchase goods and services and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement t0 repay the original credit0r(s) and its successors in interest for the amount 0f the purchase and/or cash advances and/or balance transfers. 38. Monthly statements were sent t0 Defendant Which itemized all payments made and charges due on the Accounts. 39. Although demand has been made upon said Defendant t0 pay said amount, no part has been paid, and it is now due and owing 0n the Accounts. FIRST CAUSE OF ACTION (Account Stated) Complaint Page 6 KOOONQUILUJNu-t NNNNNNNNNHHh-h-kh-HHHb-b- OONONLII-PUJNF-‘OKOOOQONUILWNHO 40.P1aintiff refers t0 and incorporates paragraphs 1 through 39. 41.Within the past 4 years, an account was stated in writing in Which it was agreed that Defendant were indebted in the amount previously referenced herein. Although demand has been made upon Defendant, said amount 0f $12,105.69 has not been paid, and it is now due, owing and unpaid from Defendant to Plaintiff, as successor in interest. SECOND CAUSE OF ACTION (Open Book Account) 42.P1aintiff refers t0 and incorporates paragraphs 1 through 41. 43.Within the past 4 years, Defendant and each 0f them became indebted in the amount of the previously mentioned herein for a balance due on a book account for goods sold and delivered and/or services rendered 0n Accounts. Although demand has been made upon Defendant, said amount 0f $12,105.69 has not been paid, and it is now due, owing and unpaid from Defendant to Plaintiff as successor in interest. Complaint Page 7 \OOOflQUl-I>WI\J>-‘ NNNNNNNNNr-tr-KHr-Kr-tr-tr-tr-tr-tr-t OOQQUl-RUJNF-‘OKDOOQONUl-hUJNF-‘O WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f 12,105.69, 2. For costs of suit incurred; and 3. For such other and further relief as the Court deems just and proper. 4. Plaintiff remits all damages in excess 0f the jurisdictional amount 0f this Court. Dated: 10/28/2021 By: /// /// /// MANDARICH LAW GROUP, LLP elixir?f- Christopher D. Mandarich SB 220693 Attorneysfor Plaintifl Complaint Page 8 EXHIBIT A mg“ Payment Due Date Jul. O8, 2019 For online and phone payments, the deadline is 8pm ET. New Balance $6,777.20 Minimum Payment Due $858.00 by your due date, you may have to pay a late fee of up to $38.00. MINIMUM PAYMENT WARNING: If you make on|y the minimum payment each period, you wi|| pay more in interest and it wi|| take you longer to pay off your balance. For example: LATE PAYMENT WARNING: If we do not receive your minimum payment And you will end up paying an estimated total of... If you make no You will pay of'f additional charges using the balance shown this card and each on this statement month you pay... in about... Minimum Payment 23 Years $18,817 If you would like information about credit counseling services, call -. Page 1 of 2 Platinum MasterCard Account Ending in 4531 May 12, 2019-Jun. 11, 2019 | 31 days in Billing Cycle Payment Information Account Summary Previous Balance $6,880.61 Payments - $250.00 Other Credits $0.00 Transactions + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $146.59 New Balance = $6,777.20 Credit Limit $6,500.00 Available Credit (as of Jun. 11, 2019) $0.00 Cash Advance Credit Limit $1,500.00 Available Credit for Cash Advances $0.00 Your account is suspended, 300082 but you can get back on track. Xliétscéep‘ytgl‘?$%§%€ri€or3§5%§ payment ”We/Paid»? Account Notifications For questions about this account, please give us a call at- . We'll be glad to help you Monday through Friday from 8 a.m. to 11 p.m. ET, and Saturday and Sunday from 8 a.m. to 5 p.m. ET. Your account has gone over its credit limit and is currently past due. Additional notifications on page 2 Pay or manage your account on our mobile app or at www.capitalone.com. amm- Payment Due Date: Jul. 08, 2019 Please send us this portion of your statement and only one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. Account Ending in 4531 Customer Service: - See reverse for Important Information 40003 Manage your account on your time. New Balance $6,777.20 Minimum Payment Due $858.00 $ STEVEN d GRIFFIS ESE BELLEVUE AVE DALY CITY1 CA HHDlH-lh? Amount Enclosed You can access account information _, on our secure websnte anytime, 24/7. Capital One P.0. Box LDSHH City of Industry1 CA Hl?lh-DSHH ’l 453’| ’l’l 6777200250000858004 How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the porlion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the rst day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe Interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Chame? We may assess a minimum Interest Charge of $0.00 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new hansactions). .First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days in the Billing Cycle. We add the Interest Charges forall segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? YourAPRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. _\ Code next to How do we calculate your When your APR(s) will change vour APR(s) APR s ? Index + mar in P Prime Rate + margin The rst day of the Billing Cycles that L 3 month LIBOR + margin end in Jan., April, July, and Oct. D Prime Rate + margin The rst day of each Billing Cycle. F 1 month LIBOR + margin How can I Avoid Membership Fees? If a Renewal Notice is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request that we close your account. Changi_ng Mailing Address? You can change your address by signing into your account online or ulling Customer Service. Pay online at www.capitalone.com Pay using our mobile app 001 How do you Process Payments? When you make a payment, you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minimum Payment rst to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with IowerAPRs. Billin Ri hts Summa Does not l to Small Business Accounts What To Do If You Think You Find A Mistake 0n Your Statement : If you think there is an error on your statement, write to us at: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285. In your letter, give us the following information: o Account information: Your name and account number. o Dollar amount: The dollar amount of the suspected error. o Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: o We unnot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. o While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. o We an apply any unpaid amount against your credit limit. Within 90 days of our receipt of your letter, we will send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatised With Your Purchase: If you are dissatised with the goods or services that you have purchased with your credit lard, and you have tied in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify; and 2) You must not yet have illy paid for the purchase. If all of the criteria above are met and you are still dissatised with the purchase, contact us in writing at: Capital One, P.O. Box 30285, Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we nish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 2016 Capital One. Capital One is a federally registered service mark 11/01/16 How do I Make Payments? You may make your payment'In several ways. 1. Online Banking by logging into your account, 2. Capital One Mobile Banking app for approved eleconic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? o For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. o For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Please allow at least seven (7) business days for mail delivery. Mailed payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. Any written requests on this form will not be honored. To manage your account, please refer to your billing statement for customer service options. CapTfa/m” Visit to see detailed transactions. STEVEN l GRIFFIS #4531: Payments, Credits and Adjustments Date Description Amount Jun 1 CAPITAL ONE ONLINE PYMTAuthDate - $250.00 02-May STEVEN l GRIFFIS #4531: Transactions Date Description Amount Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $146.59 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $146.59 Total Fees charged $1 03.00 Total Interest charged $843.59 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subiect Interest Charge Balance Rate(APR) to Interest Rate Purchases 25.15% P $6,863.17 $146.59 Cash Advances 25.15% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. Additional Account Notifications ® Your minimum payment was not received in time to avoid a late fee. As a courtesy, we didn't charge you a late fee this month. Please note that we may charge a late fee in future months if we don't receive at least your minimum payment by your due date. Page 2 of 2 Platinum MasterCard Account Ending in 4531 May 12, 2019 -Jun. 11, 2019| 31 days in Billing Cycle 300077 Manage your account anywhere, anytime. Pay your bill, set up alerts and more with the Capital One® mobile app. EXHIBIT B . Page 1 of 4 Capital ‘“ Platinum MasterCard Account Ending in 4531_/ Sep. 12, 2019- Oct. 11, 2019 | 30 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, Previous Balance $7,220.54 PAS-I- DU E the deadline is 8pm ET. Payments $0.00 New Balance Minimum Payment Due Other Credits $0.00 $7,368.26 $7,368.26 Transactions + $0.00 IMPORTANT ACCOUNT UPDATES: Gas“ Advances + $000 Your full balance is due. Any payment you make will reduce your balance Fees Charged + $000 and help pay off your debt faster. The amount you owe may differ if Interest Charged + $147 72 you've entered into a separate payment agreement. ' New Balance = $7,368.26 Available Credit (as of Oct. 11, 2019) N/A 300079 C Iawn/10116 Account Notifications Welcome to your account notifications. Check back here each month for important updates about your account. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: - See reverse for Important Information Please send us this portion of your statement and only one check (or one money order) to Capa ' ensure your payment is processed promptly. Allow at least seven business days for delivery. 400030 Payment Due Date: Past Due Account Ending in 4531 . ’ ® New Balance Minimum Payment Due Amount Enclosed cap'ta/lone$7,368.26 $7,368.26 $ STEVEN d GRIFFIS LEE. BELLEVUE AVE DALY CITY1 CA HHDlH-lah? Capital one III I P-o- BOX Ensqq I” City of Industry1 CA BIBLE-D533 1 4531 11 7368260250007368269 How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the porlion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the rst day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe Interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Chame? We may assess a minimum Interest Charge of $0.00 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new hansactions). .First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days in the Billing Cycle. We add the Interest Charges forall segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? YourAPRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. _\ Code next to How do we calculate your When your APR(s) will change vour APR(s) APR s ? Index + mar in P Prime Rate + margin The rst day of the Billing Cycles that L 3 month LIBOR + margin end in Jan., April, July, and Oct. D Prime Rate + margin The rst day of each Billing Cycle. F 1 month LIBOR + margin How can I Avoid Membership Fees? If a Renewal Notice is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request that we close your account. Changi_ng Mailing Address? You can change your address by signing into your account online or ulling Customer Service. Pay online at www.capitalone.com Pay using our mobile app 001 How do you Process Payments? When you make a payment, you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minimum Payment rst to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with IowerAPRs. Billin Ri hts Summa Does not l to Small Business Accounts What To Do If You Think You Find A Mistake 0n Your Statement : If you think there is an error on your statement, write to us at: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285. In your letter, give us the following information: o Account information: Your name and account number. o Dollar amount: The dollar amount of the suspected error. o Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: o We unnot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. o While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. o We an apply any unpaid amount against your credit limit. Within 90 days of our receipt of your letter, we will send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatised With Your Purchase: If you are dissatised with the goods or services that you have purchased with your credit lard, and you have tied in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify; and 2) You must not yet have illy paid for the purchase. If all of the criteria above are met and you are still dissatised with the purchase, contact us in writing at: Capital One, P.O. Box 30285, Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we nish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 2016 Capital One. Capital One is a federally registered service mark 11/01/16 How do I Make Payments? You may make your payment'In several ways. 1. Online Banking by logging into your account, 2. Capital One Mobile Banking app for approved eleconic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? o For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. o For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Please allow at least seven (7) business days for mail delivery. Mailed payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. Any written requests on this form will not be honored. To manage your account, please refer to your billing statement for customer service options. ' ' Page 2 of 4 Capital ‘° Platinum MasterCard Account Ending in 4531./ Sep. 12, 2019 - Oct. 11, 2019| 30 days in Billing Cycle Transactions 300079 Visit to see detailed transactions. ’° ® STEVEN J GRIFFIs #4531: Payments, Credits and Adjustments ap'ta/lom Date Description Amount STEVEN l GRIFFIS #4531: Transactions Date Description Amount Date Description Amount Total Fees for This Period $0.00I Interest Charge on Purchases $147.72 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $147.72f Total Fees charged $1 03.00 Total Interest charged $1 .434.65 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subiect Interest Charge Balance Rate(APR) to Interest Rate Purchases 24.65% P $7,291.67 $147.72 Cash Advances 24.65% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 201 146 Your account has charged off. It is now being serviced by the Recoveries department. Call - if you have questions about this notice. charged ff 5 I'IU'IJ‘." hem nti b1; TE e:fil'ua'e s. deglatmeni._ qLJestian :h "Imm . EJIILE EXHIBIT C Costco Anywhere Visa® Card by Citi mcftT \ STEVEN J GRIFFIS Member Since 2016 Account number ending in: 3590 Billing Period: 05/10/19-06/11/19 JUNE STATEMENT Minimum payment due: New balance as of 06/11/19: Payment due date: $1 57.80 $4,054.1 0 07l07l1 9 See the last pa e of this statement for important information about how toavoid paying In erest on purchases. Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39 and your APRS may be increased up to the Penalty APR of 29.99%. Minimum payment warning:|f 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: If you make no additional You will pay off the charges using this card and each month you pay... balance shown on the statement in about... And you will end up aying an estimated otal of... Only the minimum payment 16 years $8 ,826 For information about credit counseling services, call -. 000000 NC 00 A 0 STEVEN J GRIFFIS 656 BELLEVUE AVE DALYCITY CA 94014-1267 www.citicards.com Customer Service - TTY-hearing-impaired services only - PO BOX 790046 ST. LOUIS, MO 63179-0046 You are over your credit limit. Please pay at least the minimum payment due, which includes an overlimit amount of $54.10. Account Summary Previous balance $3,830.08 Payments $96.58 Credits $14.09 Pu rchases +$271.99 Cash advances +$0.00 Fees +$0.00 Interest +$62.70 New balance $4,054.10 Credit Limit Credit Limit $4,000 Includes $1,200.00 cash advance limit cutl‘ 505 4100 390i 2345 6789Costco Cash g Rewards Summary VISA as of 06/11/19 $15.65 » See page 3 for more information about your rewards Minimum payment due $1 57.80 New balance $4,054.10 Payment due date 07/07/19 Amount enclosed: Account number ending in 3590 Citi Cards PO BOX 7801 9 Phoenix, AZ 85062-801 9 www.citicards.com STEVEN J GRIFFIS CARDHOLDER SUMMARY STEVEN J GRIFFIS Customer Service - Page 2 of 3 TTY-hearing-impaired services only - Card ending in 3590 New Charges $271.99 SIXTO V OCHOA Card ending in 3616 New Charges $0.00 ACCOUNT SUMMARY Sale Post Date Date Description Amount Payments, Credits and Adjustments 06/05 AUTOPAY OOOOOOOOOOé?375RAUTOPAY AUTO-PMT $96.58- 05/13 05/13 COSTCO WHSE #0144 SAN FRANCISCOCA $14.09 STEVEN J GRIFFIS Standard Purchases 05/13 05/13 COSTCO WHSE #0144 SAN FRANCISCOCA $78.38 05/15 WHOLEFDS OCN #10432 SAN FRANCISCOCA $14.56 05/15 05/15 Audible US*MN3D35E12 - NJ $14.95 05/16 05/16 ZOOMus - CA $14.99 06/03 06/O3 TST* DUBOCE PARK CAFE SAN FRANCISCOCA $16.34 06/O4 06/O4 HABIT - WALNUT CRKZ #53 WALNUT CREEK CA $11.85 06/O4 06/O4 BURGER KING #2795 PLEASANTON CA $9.71 06/O4 WALGREENS #5365 DALY CITY CA $11.13 06/O4 CHEVRON 0094640 WALNUT CREEK CA $3.24 06/O5 06/05 TAQUERIA MI DURANGO SAN BRUNO CA $10.03 06/O5 WHOLEFDS FRK 10044 SAN FRANCISCOCA $4.59 06/O5 WHOLEFDS STC 10267 CUPERTINO CA $9.72 06/O6 06/O6 TAQUERIA MI DURANGO SAN BRUNO CA $13.48 06/O7 TARGET 00003202 COLMA CA $32.59 06/O7 06/O7 TAQUERIA MI DURANGO SAN BRUNO CA $13.79 06/O7 LUCKY #707 DALY CIT DALY CITY CA $3.99 06/O9 06/O9 BURGER KING #4039 HAYWARD CA $8.65 SIXTO V OCHOA No Activity Fees Charged TOTAL FEES FOR THIS PERIOD $0.00 Interest Charged 06/11 INTEREST CHARGED TO STANDARD PURCH $62.70 TOTAL INTEREST FOR THIS PERIOD $62.70 2019 totals year-to-date Total fees charged in 2019 $67.00 Total interest charged in 2019 $348.20 Citl' 5.; Costco Cash Rewards Summary 4100 3901 2345 6789 Total Costco Cash Rewards Balance: $15.65 Costco Cash Rewards Summary Costco Cash Rewards balance as of last statement +$10.64 Earned this period +$5.01 Total Costco Cash Rewards Balance Year To Date: $15.65 Costco Cash Rewards Earned This Period 4% on eligible gas worldwide, including gas at Costcol +$O.13 3% on restaurants +$2.51 3% on eligible travel worldwide +$0.00 2% on Costco and Costco.com +$1.29 1% on a|| other purchases +$1.08 Total Earned: $5.01 » Visit citi.com/Costco for more information ‘Up to $7,000 per year in purchases, then 1% cash back www.citicards.com Customer Service - TTY-hearing-impaired services only -STEVEN J GRIFFIS Interest charge calculation Days in billing cyclezss Your Annual Percentage Rate (APR)is the annual interest rate on your account. Annual percentage Balance subject Balance type rate (APR) to interest rate Interest charge PURCHASES Standard Purch 17.49% (V) $3,964.71 (D) $62.70 ADVANCES standard Adv 27.49% (V) $0.00 (D) $0.00 Your Annual Percentage Rate (APR) is the annual interest rate 0n your account. APRs followed by (V) may vary. Balances followed by (D) are determined by the daily balance method (including current transactions). Account messages Your next AutoPay payment 0f $157.80 will be deducted from your bank account 0n 07/05/2019. Please note that the next AutoPay payment may be reduced if you have made additional payments 0r received any credits during the current billing cycle. 2018 Citibank, N.A. Citi, Citi with Arc Design are registered service marks 0f Citigroup Inc. Visa(R) is a registered trademark 0f Visa International Service Association. Page 3 0f 3 EXHIBIT D Costco Anywhere Visa® Card by Citi STEVEN J GRIFFIS Member Since 2016 Account number ending in: 3590 Billing Period: 02/12/20-03/10/20 MARCH STATEMENT www.citicards.com Customer Service - TTY-hearing-impaired services only - PO BOX 790046 ST. LOUIS, MO 63179-0046 Account Summary Minimum payment due: $4,737.43 Egigstsba'ance $4'§$7§g§New balance as of 03/1 0I20: $4,737.43 . _ ‘ Credits $0.00 Payment due date: 03I1 0I20. . . . Pu rchases +$0.00Seethe last pa e of this statement for important information about how to aVOId paying in erest on purchases. Cash advances +$0.00 Fees +$0.00 L t P tW If d b h d Interest +$58.64 a e aymen arning: we o not receive your minimum payment yt e ate listed above, you may have to pay a late fee of up to $39 and your APRS may be New balance $433143 increased up to the Penalty APR of 29.99%. Credit Limit Minimum payment warning:|f you make only the minimum payment each credit Limit $4,000 period, you will pay more in interest, and it will take you longer to pay of'f Includes $1,200.00 cash advance limit your balance. For example: If you make no additional You will pa offthe balance And you will end up charges using this card shown on t e statement in paying an estimated total and each month you pay... about... of... Onlythe minimum payment 1 months $4,737 For information about credit counseling services, call -. Pay your bill from virtually anywhere _ Minimum payment due $4,737_43With the Citi Mobile® App and Citi® Onllne New balance $4,737.43 To download: Text .App15. to MyCiti (692484) Payment due date 03l1 0/20 000000 NC 32 A 0 STEVEN J GRIFFIS 656 BELLEVUE AVE DALYCITY CA 94014-1267 or go to your device's app store. Or visit www.citicards.com Amount enclosed: Account number ending in 3590 Citi Cards PO BOX 7801 9 Phoenix, AZ 85062-801 9 www.citicards.com Customer Service - TTY-hearing-impaired services only -STEVEN J GRIFFIS CARDHOLDER SUMMARY STEVEN J GRIFFIS Card ending in 359d New Charges $0.00 ACCOUNT SUMMARY Sale Post Date Date Description Amount STEVEN J GRIFFIS No Activity Fees Charged TOTAL FEES FOR THIS PERIOD $0.00 Interest Charged 03/10 INTEREST CHARGED TO STANDARD PURCH $58.64 TOTAL INTEREST FOR THIS PERIOD $58.64 2020 totals year-to-date Total fees charged in 2020 $78.00 Total interest charged in 2020 $190.21 Interest charge calculation Days in billing cyclezze Your Annual Percentage Rate (APR)is the annual interest rate on your account. Annual percentage Balance subject Balance type rate (APR) to interest rate Interest charge PURCHASES Standard Purch 16.24% (V) $4,707.00 (D) $58.64 ADVANCES standard Adv 26.24% (V) $0.00 (D) $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed by (V) may vary. Balances followed by (D) are determined by the daily balance method (including current transactions). Account messages Please note that if we received your pay by phone or online payment between 5 p.m. ET and midnight ET on the last day of your billing period, your payment will not be reflected until your next statement. 2018 Citibank, N.A. Citi, Citi with Arc Design are registered service marks of Citigroup Inc. Visa(R) is a registered trademark of Visa International Service Association. Page 2 of 2 KOOONQUILWNu-t NNNNNNNNNHHh-b-Hb-b-h-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO Electmnicaily Christopher D. Mandarich SB 220693 wswemrcwmcawm'flm" “'5’" “'3‘“ Ajay Sood SB325294 EN 11/1/2021 Hayk Stambultsyan SB320973 33 fflnfimm 3.31m Martln Welngarten SB 201906 Deputy Elerlt MANDARICH LAW GROUP, LLP P.O. Box 109032 Chicago, IL 60610 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintifl: Velocity Investments, LLC SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED 21 -CLJ-O5966 Velocity Investments, LLC, Case N0. Plaintiff, VS FILE BY FAX COMPLAINT FOR: 1. BREACH OF CONTRACT GUSTAVO DIAZ, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant DEMAND: $14,672.27 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1. Plaintiff is and at all times herein mentioned, Velocity Investments, LLC, and successor in interest to original creditor, WebBank. 2. Plaintiff is the only entity that purchased the debt after charge-off and its name and address is as follows: Velocity Investments, LLC; 1800 Route 34 North Building 3, Suite 305, Wall NJ 07719. 3. Plaintiff is a debt buyer, and is the sole owner of the debt at issue. 4. The charge-off creditor at the time of charge-off is PMIT2018-1_GRANTOR, 221 MAIN STREET, THIRD FLOOR, SAN FRANCISCO, CA 94105, and the account number associated with this debt is XX3178. 5. Plaintiff is informed and believes that Defendant are individuals who currently reside within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the proper Court for trial of this action. COMPLAINT-l ofs EXh i bit "94" KOOONONUILWNr-t NNNNNNNNNHh-h-b-Hb-h-th-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO 6. The name and last known address of the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0f the debt is GUSTAVO DIAZ , 1800 TULARE DRIVE , SAN BRUNO, CA 94066. 7. Plaintiff is unaware of the true names or capacities, Whether individual, corporate, associate or otherwise ofthe Defendant sued herein as DOES 1 through 10 inclusive, and therefore, sued the Defendant by such fictitious names. PlaintiffWill amend this Complaint to show their true names and capacities once ascertained. 8. Plaintiff believes and at all times mentioned herein, each 0f the Defendant was, and is, the agent, servant and employee, employer of each of the other Defendant, and also acted in the capacity 0f and as agent of the other Defendant. Plaintiff also believes that the individual Defendant, and each 0f them, are jointly and severally liable that the actions described herein were taken as actions for the benefit of the Defendant's separate and/or community property. 9. Plaintiff believes that, for value received, Defendant and each 0f them, executed and delivered a credit application to the original creditor, WebBank 0r made such application over the telephone 0r Internet. Pursuant t0 the aforementioned application, WebBank provided Defendant With a credit account, and granted use privileges on the same, account numberXX3 178 (hereinafter “Account”). 10. Prior t0 the commencement of this action, the Account was assigned for value to the Plaintiff and Plaintiff is its current holder. 11. Defendant agreed to comply With the terms governing the use of the Account, as it was amended from time to time, including repaying WebBank and any successors in interest, for any charges on the Account including, but not limited t0, charges for purchase of goods and service and/or cash advances and balance transfers along with late charges, over limits charges related thereto. 12. Defendant used the Account t0 make purchases and/or to take cash advances and/or to make balance transfers. Each time the Defendant used the Account t0 purchase goods and services and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement t0 COMPLAINT-2 0f 5 KOOOVONUILUJNr-t NNNNNNNNNh-h-kb-Ab-Ab-b-h-HHH OONQUl-PUJNF-‘OKOOONONKII-PUJNF-‘O repay WebBank and its successors in interest for the amount 0f the purchase and/or cash advances and/or balance transfers, along with such other charges as may be assessed pursuant t0 the terms governing the Account. 13. The date of last payment 0n the subject account was on May 3 1 , 2019. 14. Within the last four years, the Defendant failed to make payments as agreed on the Account. Defendant has failed, refused and neglected to pay amounts due 0n the Account. 15. The debt balance at charge-off was $14,722.27, and upon information and belief there is $0.00 in post charge off fees and there is $0.00 in post Charge off interest. 16. Subsequent t0 charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $14,672.27. 17. Although demand has been made upon said Defendant t0 pay said amount, n0 part has been paid, and it is now due and owing. 18. Upon information and belief, WebBank and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 19. Plaintiff has complied With California Civil Code Section 1788.52. 20. Plaintiff has attached hereto as Exhibit A and incorporated herein by reference a copy of Billing Statement and/or Loan File provided to the Defendant while the account was active, demonstrating that the debt was incurred by the Defendant. 21. Plaintiff has attached hereto as Exhibit B and incorporated herein by reference a copy of the Final Billing Statement and/or Transaction History. 22. Upon opening the Account with WebBank, the Defendant agrees to reimburse WebBank, and hence Plaintiff as successor in interest for the costs related to the collection 0f amounts owing 0n the Account. Plaintiff has been required t0 retain Mandarich Law Group, LLP t0 pursue collection 0f the amount due hereunder. FIRST CAUSE OF ACTION (Breach 0f Contract) 23. Plaintiff refers to and incorporates paragraphs 1 through 22. COMPLAINT-3 0f 5 \OOOflQUl-RUJNH NNNNNNNNNHr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNh-‘OKOOOQQUl-bUJNF-‘O 24. WebBank extended a credit loan to the Defendant. 25. Defendant accepted the terms and conditions 0f the Account by Defendant use 0f the Account t0 make purchases and/or t0 take cash advances and/or t0 make balance transfers. 26. Defendant have breached the terms and conditions governing the Account by failing to pay amounts due and owing on the Account. 27. As a direct and proximate result thereof, Plaintiff has been damaged in the amount of $ 14,672.27. SECOND CAUSE OF ACTION (Open Book Account) 28. Plaintiff refers to and incorporates paragraphs 1 through 27. 29. Within the past 4 years, Defendant and each 0fthem became indebted in the amount 0f the previously mentioned herein for a balance due 0n a book account for goods sold and delivered and/or services rendered by WebBank. Although demand has been made upon Defendant, said amount 0f $14,672.27 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 0f 5 KOOONONUI-bUJNr-t NNNNNNNNNHh-kb-Ab-Ab-b-h-h-Hb-t OONQMJ>WN~O©OONONM$UJNHO WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $14,672.27, 2. For reasonable attorneys fees pursuant to statute; 3. For costs of suit incurred; and 4. For such other and further relief as the Court deems just and proper. 5. Plaintiff remits all damages in excess of the jurisdictional amount 0f this Court. Dated: 10/12/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-5 0f 5 Qflx/M X]Christopher D. Mandarich, Esq. Attorneysfor Plaintifl EXHIBIT A 11mm Baronet PranissayNm Borrower Promissory Note PR0I PER Promissory Note Loan ID: E178 Borrower Address: Gustavo Diaz, 180 Tulare Drive San Bruno, CA 94066. 1. Promise to Pay. In return for a loan I have received, l promise to payWebBank (”you") the pr’nc'pal sum of fteen thousand dollars ($15,000V00), together with interest thereon oommencing on the date of origination at the rate of eleven point six nine percent (11.69%) per annum simple interest. I understand that references in this Promissory Note ("Note") to you shall also include any person to whom you transfer this Note. 2. Payments. I will pay the principal, interest, and any late charges or other fees on this Note when due. This Note is payable in 35 monthly installments of $496.00 each, consisting of principal and interest, commencing on the 3rd day of February 201 8, and continuing until the nal payment of $492.26 on January 3 2021, which is the maturity date of this Note. Because of the daily accrual of interest on my loan and the effect of rounding, my nal payment may be more or less than my regular payment. My nal payment shall consist of the then remaining principal, unpaid accrued interest and other charges due under this Note. All payments will be applied rst to any unpaid fees then due, whether they are incurred as a result of failed payments, as provided in Paragraph 11, payment processing fees assessed, or any late payments, as provided in Paragraph 4; then to any interest then due; and then to principal. However, ifl am delinquent, the application ofmy payments may change. No unpaid interest, fees or charges will be added to principal. I further acknowledge that, ifl make my payments after the scheduled due date, or incur a charge/fee, this Note will not amortize as originally scheduled, which may result in a substantially higher nal payment amount. 3. Interest. Interest will be charged on unpaid principal until the full amount of principal has been paid. Interest under this Note will accrue daily, on the basis of a 365-day year. The interest rate l will pay will be the rate I will pay both before and after any default. 4. Late Charge. If the full amount of any monthly payment is not made by its due date, l will pay you a late charge of the greater of $15 or 5.00% of the unpaid portion of the monthly payment. l will pay this late charge when it is assessed but only once on each late payment. 5. Claims and Defenses; Waiver of Defenses; Exception to Waiver. Except as otherwise provided in this Note, you are not responsible or liable to me for the quality, safety, legality, or any other aspect of any property or services purchased with the proceeds of my loan. If l have a dispute with any person from whom I have purchased such property or services, I agree to settle the dispute directly with that person. If and only if the proceeds of my loan will be applied in whole or part to purchase property or services from a person or entity that has entered hto a contractual relationship with you or Prosper related to nancing of such property or services, the follow'ng notice may apply NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINEDWITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 6. Certication. l certify that the proceeds of my loan will not be applied in whole or in part to postsecondary educational expenses (i.e., tuition, fees, required equipment or supplies, or room and board) at a college/university/vocational school, as the term "postsecondary educational expenses" is dened in Bureau of Consumer Financial Protection Regulation Z, 12 C.F.R. § 1026.46(b)(3)." 7. Method of Payment. I may make payments (i) by electronic fund transfer from an account that l designate using an automated clearinghouse (ACH), or (ii) by check. I understand that payments by check may incur an additional processing fee of up to $5.00 for each payment by check. Currently applicable fees are available at www.prosper.com or by calling 1~866-615-631 9. I will make all checks payable to Prosper Funding LLC and send them to Prosper Marketplace, Inc., P.0. Box 396081, San Francisco, CA 941 39-6081 in a manner so as to ensure that it is received with sufcient time to process prior to my scheduled payment due date. To ensure efcient processing of my check, I will reference my loan number on the check. I recognize that if I have automated withdrawal enabled, it is my responsibility to ensure that all amounts l owe are paid when due, even if not debited from my account. If l close my account or if my account changes or is otherwise inaccessible such that you are unable to withdraw my payments from that account or process my check, I will notify you at least three (3) bushess days prior to any such closure, change or inaccessibility of my account, and author’ze you to withdraw my payments, or I will provide a check, from another account that I designate. Iitpsjlwww.prosper.cornlsecudmcanloornmortlaeernert_vien_secuemmeemert_id=94344194 115 11/30/2018 Borrower Promissory Note With regard to payments made by automatic withdrawals from my account, | have the right to (i) stop payment of a preauthorized automatic withdrawal, or (ii) revoke my prior authorization for automatic withdrawals with regard to all further payments under this Note, by notifying the financial institution where my account is held, orally or in writing at least three (3) business days before the scheduled date of the transfer. | agree to notify you orally or in writing, at least three (3) business days before the scheduled date of the transfer, of the exercise of my right to stop a payment or to revoke my prior authorization for further automatic withdrawals. 8. Default and Remedies. If | fail to make any payment when due in the manner required by Paragraph 7, | will be delinquent. If | (a) am delinquent, (b) file or have instituted against me a bankruptcy or insolvency proceeding or make any assignment for the benefit of creditors, or (c) in the event of my death, you may in your sole discretion deem me in default and accelerate the maturity of this Note and declare all principal, interest and other charges due under this Note immediately due and payable. If you deem me in default due to delinquency and if you exercise the remedy of acceleration, you wi|| use reasonable efforts to provide prior notice of acceleration. 9. Prepayments. | may prepay this Note in full or in part at any time without penalty. | acknowledge that partial prepayments will not change the due date or amount of my monthly payment. 10. Waivers. You may accept late payments or partial payments, even though marked "paid in full," without losing any rights under this Note, and you may delay enforcing any of your rights under this Note without losing them. You do not have to (a) demand payment of amounts due (known as "presentment"), (b) give notice that amounts due have not been paid (known as "notice of dishonor“), or (c) obtain an official certification of nonpayment (known as "protest"). | hereby waive presentment, notice of dishonor and protest. Even if, at a time when | am in default, you do not require me to pay immediately in full as described above, you will still have the right to do so ifl am in default at a later time. Neither your failure to exercise any of your rights, nor your delay in enforcing or exercising any of your rights, will waive those rights. Furthermore, if you waive any right under this Note on one occasion, that waiver wi|| not operate as a waiver as to any other occasion. 11. Insufficient Funds Charge. If | attempt to make a payment, whether by automated withdrawal from my designated account or by other means, and the payment cannot be made due to (i) insufficient funds in my account, (ii) the closure, change or inaccessibility of my account without my having notified you as provided in Paragraph 7, or (iii) for any other reason (other than an error by you), | will pay you an additional fee of $15.00 for each returned or failed automated withdrawal or other item, unless prohibited by applicable law. | will pay this fee when it is assessed. 12. Attorneys' Fees. To the extent permitted by law, | am liable to you for your legal costs if you refer collection of my loan to a lawyer who is not your salaried employee. These costs may include reasonable attorneys' fees as well as costs and expenses of any legal action. 13. Loan Charges. If a law that applies to my loan and sets maximum loan charges is finally interpreted so that the interest or other loan charges collected or to be collected in connection with my loan exceed the permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums already collected from me that exceeded permitted limits will be refunded to me. You may choose to make this refund by reducing the principal | owe under this Note or by making a direct payment to me. 14. Assignment. | may not assign any of my obligations under this Note without your written permission. You may assign this Note at any time without my permission. Unless prohibited by applicable law, you may do so without telling me. My obligations under this Note apply to all of my heirs and permitted assigns. Your rights under this Note apply to each of your successors and assigns. 15. Notices. All notices and other communications hereunder shall be given in writing and shall be deemed to have been duly given and effective (i) upon receipt, if delivered in person or by facsimile, email or other electronic transmission, or (ii) one day after deposit prepaid for overnight delivery with a national overnight express delivery service. Except as expressly provided otherwise in this Note, notices to me may be addressed to my registered email address or to my address set forth above unless | provide you with a different address for notice by giving notice pursuant to this Paragraph, and notices to you must be addressed to WebBank at legal@prospemom or c/o Prosper Marketplace, |nc., 221 Main Street, Third Floor, San Francisco, CA 94105, Attention: Legal Department. 16. Governing Law. This Note is governed by federal law and, to the extent that state law applies, the laws of the State of Utah. 17. Miscellaneous. No provision of this Note shall be modified or limited except by an agreement signed by both you and me. The unenforceability of any provision of this Note shall not affect the enforceability or validity of any other provision of this Note. 18. Arbitration. RESOLUTION OF DISPUTES: | HAVE READ THIS PROVISION CAREFULLY, AND UNDERSTAND THAT IT LIMITS MY RIGHTS IN THE EVENT OF A DISPUTE BETWEEN YOU AND ME. I UNDERSTAND THATI HAVE THE RIGHT TO REJECT THIS PROVISION, AS PROVIDED IN PARAGRAPH (i) BELOW. (a) In this Resolution of Disputes provision: (i) '| "me“ and "my" mean the promisor under this Note, as well as any person claiming through such promisor; (ii) "You" and "your" mean WebBank, any person servicing this Note for WebBank, any subsequent holders of this Note or any interest in this Note, any person servicing this Note for such subsequent holder of this note, and each of their respective parents, subsidiaries, affiliates, predecessors, successors, and assigns, as well as the officers, directors, and employees of each of them; and https://www.prosper.com/secure/account/com mon/agreem ent_view_secure.aspx?agreem ent_id=94344194 2/5 11/30/2018 Borrower Promissory Note (iii) “Claim" means any dispute, claim, or controversy (whether based on contract, tort, intentional tort, constitution, statute, ordinance, common law, or equity, whether pre-existing, present, or future, and whether seeking monetary, injunctive, declaratory, or any other relief) arising from or relating to this Note or the relationship between you and me (including claims arising prior to or after the date of the Note, and claims that are currently the subject of purported class action litigation in which | am not a member of a certified class), and includes claims that are brought as counterclaims, cross claims, third party claims or otherwise, as well as disputes about the validity or enforceability of this Note or the validity or enforceability of this Section. (b) Any Claim shall be resolved, upon the election of either you or me, by binding arbitration administered by the American Arbitration Association or JAMS, under the applicable arbitration rules of the administrator in effect at the time a Claim is filed (“Rules"). Any arbitration under this arbitration agreement will take place on an individual basis; class arbitrations and class actions are not permitted. If | file a claim, | may choose the administrator; if you file a claim, you may choose the administrator, but you agree to change to the other permitted administrator at my request (assuming that the other administrator is available). | can obtain the Rules and other information about initiating arbitration by contacting the American Arbitration Association at 1633 Broadway, 10th Floor, New York, NY 10019, www.adr.org; or by contacting JAMS at 1920 Main Street, Suite 300, Irvine, CA 92614, (949) 224-1810, www.jamsadr.com. Your address for serving any arbitration demand or claim is WebBank, c/o Prosper Marketplace, |nc., 221 Main Street, Third Floor, San Francisco, CA 94105, Attention: Legal Department. (c) Claims will be arbitrated by a single, neutral arbitrator, who shall be a retired judge or a lawyer with at least ten years' experience. You agree not to invoke your right to elect arbitration of an individual Claim filed by me in a small claims or similar court (if any), so long as the Claim is pending on an individual basis only in such court. (d) You will pay all filing and administration fees charged by the administrator and arbitrator fees up to $1 ,000, and you will consider my request to pay any additional arbitration costs. If an arbitrator issues an award in your favor, | will not be required to reimburse you for any fees you have previously paid to the administrator or for which you are responsible. If | receive an award from the arbitrator, you will reimburse me for any fees paid by me to the administrator or arbitrator. Each party shall bear its own attorney's, expert's and witness fees, which shall not be considered costs of arbitration; however, if a statute gives me the right to recover these fees, or fees paid to the administrator or arbitrator, then these statutory rights wi|| apply in arbitration. (e) Any in-person arbitration hearing will be held in the city with the federal district court closest to my residence, or in such other location as you and we may mutually agree. The arbitrator shall apply applicable substantive law consistent with the Federal Arbitration Act, 9 U.S.C. § 1-16, and, if requested by either party, provide written reasoned findings of fact and conclusions of law. The arbitrator shall have the power to award any relief authorized under applicable law. Any appropriate court may enter judgment upon the arbitrator's award. The arbitrator's decision will be final and binding except that: (1) any party may exercise any appeal right under the FAA; and (2) any party may appeal any award relating to a claim for more than $100,000 to a three-arbitrator panel appointed by the administrator, which will reconsider de novo any aspect of the appealed award. The panel's decision will be final and binding, except for any appeal right under the FAA. Unless applicable law provides otherwise, the appealing party will pay the appeal's cost, regardless of its outcome. However, you will consider any reasonable written request by me for you to bear the cost. (f) YOU AND | AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN OUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and | agree otherwise in writing, the arbitrator may not consolidate more than one person's claims. The arbitrator shall have no power to arbitrate any Claims on a class action basis or Claims brought in a purported representative capacity on behalf of the general public, other borrowers, or other persons similarly situated. The validity and effect of this paragraph (f) shall be determined exclusively by a court, and not by the administrator or any arbitrator. (g) If any portion of this Section 18 is deemed invalid or unenforceable for any reason, it shall not invalidate the remaining portions of this section. However, if paragraph (f) of this Section 18 is deemed invalid or unenforceable in whole or in part, then this entire Section 18 shall be deemed invalid and unenforceable. The terms of this Section 18 will prevail if there is any conflict between the Rules and this section. (h) YOU AND | AGREE THAT, BY ENTERING INTO THIS NOTE, THE PARTIES ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION. YOU AND | ACKNOWLEDGE THAT ARBITRATION WILL LIMIT OUR LEGAL RIGHTS, INCLUDING THE RIGHT TO PARTICIPATE IN A CLASS ACTION, THE RIGHT TO A JURY TRIAL, THE RIGHT TO CONDUCT FULL DISCOVERY, AND THE RIGHT TO APPEAL (EXCEPT AS PERMITTED IN PARAGRAPH (e) OR UNDER THE FEDERAL ARBITRATION ACT). (i) | understand that | may reject the provisions of this Section 18, in which case neither you nor | will have the right to elect arbitration. Rejection of this Section 18 will not affect the remaining parts of this Note. To reject this Section 18, | must send you written notice of my rejection within 30 days after the date that this Note was made. | must include my name, address, and account number. The notice of rejection must be mailed to WebBank, c/o Prosper Marketplace, |nc., 221 Main Street, San Francisco, CA 94105, Attention: Legal Department. This is the only way that | can reject this Section 18. (j) You and | acknowledge and agree that the arbitration agreement set forth in this Section 18 is made pursuant to a transaction involving interstate commerce, and thus the Federal Arbitration Act shall govern the interpretation and enforcement of this Section 18. This Section 18 shall survive the termination of this Note and the repayment of any or all amounts borrowed thereunder. https://www.prosper.com/secure/account/com mon/agreem ent_view_secure.aspx?agreem ent_id=94344194 3/5 11/30/2018 Borrower Promissory Note (k) This section shall not apply to covered borrowers as defined in the Military Lending Act. 19. Electronic Transactions. THIS NOTE INCLUDES YOUR EXPRESS CONSENT TO ELECTRONIC TRANSACTIONS AND DISCLOSURES, WHICH CONSENT IS SET FORTH IN THE PARAGRAPH ENTITLED "CONSENT TO DOING BUSINESS ELECTRONICALLY" AS DISCLOSED IN PROSPER'S TERMS OF USE ON PROSPERCOM, THE TERMS AND CONDITIONS OF WHICH ARE EXPRESSLY INCORPORATED HEREIN IN THEIR ENTIRETY. YOU EXPRESSLY AGREE THAT THIS NOTE MAY COMPRISE A "TRANSFERABLE RECORD" FOR ALL PURPOSES UNDER THE ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT AND THE UNIFORM ELECTRONIC TRANSACTIONS ACT. 20. Registration of Note Owners. | have appointed Prosper Funding LLC as my authorized agent (in such capacity, the "Note Registrar“) to maintain a book-entry system (the "Register“) for recording the beneficial owners of interests in this Note (the "Note Owners“). The person or persons identified as the Note Owners in the Register shall be deemed to be the owner(s) of this Note for purposes of receiving payment of principal and interest on such Note and for all other purposes. With respect to any transfer by a Note Owner of its beneficial interest in this Note, the right to payment of principal and interest on this Note shall not be effective until the transfer is recorded in the Register. 21. State Notices California Residents Married registrants may apply for a separate account. As required by law, | am hereby notified that a negative credit report reflecting on my credit record may be submitted to a credit reporting agency if | fail to fulfill the terms of my credit obligations. Iowa Residents NOTICE TO CONSUMER: 1. Do not sign this paper before you read it. 2. You are entitled to a copy of this paper. 3. You may prepay the unpaid balance at any time without penalty and may be entitled to receive a refund of unearned charges in accordance with law. IMPORTANT: READ BEFORE SIGNING. The terms of this agreement should be read carefully because only those terms in writing are enforceable. No other terms or oral promises not contained in this written contract may be legally enforced. l may change the terms of this agreement only by another written agreement. Kansas Residents NOTICE TO CONSUMER: 1. Do not sign this agreement before you read it. 2. You are entitled to a copy of this agreement. 3. You may prepay the unpaid balance at any time without penalty. Missouri Residents Oral or unexecuted agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect me (borrower(s)) and you (creditor) from misunderstanding or disappointment, any agreements we reach covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement between us, except as we may later agree in writing to modify it. Nebraska Residents A credit agreement must be in writing to be enforceable under Nebraska law. To protect you and me from any misunderstandings or disappointments, any contract, promise, undertaking, or offer to forebear repayment of money or to make any other financial accommodation in connection with this loan of money or grant or extension of credit, or any amendment of, cancellation of, waiver of, or substitution for any or all of the terms or provisions of any instrument or document executed in connection with this loan of money or grant or extension of credit, must be in writing to be effective. New Jersey Residents Because certain provisions of this Note are subject to applicable laws, they may be void, unenforceable or inapplicable in some jurisdictions. None of these provisions, however, is void, unenforceable or inapplicable in New Jersey. Ohio Residents The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law. Utah Residents https://www.prosper.com/secure/account/com mon/agreem ent_view_secure.aspx?agreem ent_id=94344194 4/5 11/30/2018 Borrower Promissory Note As required by Utah law, | am hereby notified that a negative credit report reflecting on my credit record may be submitted to a credit reporting agency if | fail to fulfill the terms of my credit obligations. This Note is the final expression of the agreement between the parties and may not be contradicted by evidence of any alleged oral agreement. Washington Residents: For primarily non-consumer purpose loans: Oral agreements or oral commitments to loan money, extend credit or to forbear from enforcing repayment of a debt are not enforceable under Washington law. Wisconsin Residents No provision of a marital property agreement, a unilateral statement or a court decree adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. 22. Military Lending Act. The Military Lending Act provides specific protections for active duty service members and their dependents in consumer credit transactions. This Section includes information on the protections provided to covered borrowers as defined in the Military Lending Act. (a) Statement of MAPR. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). (b) Section 18 of this Note shall not be applicable to, and shall not be enforceable against, a covered borrower as defined in the Military Lending Act (c) Oral Disclosures. Please call 1-855-993-2967 to obtain oral disclosures, including the statement of MAPR and the payment schedule applicable to your loan, required under the Military Lending Act. 23.By signing this Note, | acknowledge that | (i) have read and understand all terms and conditions of this Note, (ii) agree to the terms set forth herein, and (iii) acknowledge receipt of a completely filled-in copy of this Note. Wisconsin Residents: NOTICE TO CUSTOMER: (a) DO NOT SIGN THIS IF IT CONTAINS ANY BLANK SPACES. (b) YOU ARE ENTITLED TO AN EXACT COPY OF ANY AGREEMENT YOU SIGN. (c) YOU HAVE THE RIGHT AT ANY TIME TO PAY IN ADVANCE THE UNPAID BALANCE DUE UNDER THIS AGREEMENT AND YOU MAY BE ENTITLED TO A PARTIAL REFUND OF THE FINANCE CHARGE. CAUTION -- IT IS IMPORTANT THAT YOU THOROUGHLY READ THE CONTRACT BEFORE YOU SIGN IT. Date: January 3 2018 By: Prosper Marketplace, Inc. Attorney-in-Fact for: Gustavo Diaz [Borrower] (Signed Electronically) Last Updated: August 2017 Copyright © 2005-2018 Prosper Marketplace, Inc. A|| rights reserved. https://www.prosper.com/secure/account/com mon/agreem ent_view_secure.aspx?agreem ent_id=94344194 5/5 EXHIBIT B rslnam e lastnarne m iddlena LoanlD Accountl Borrow er Am unP D PD Schedule Paym ent Expecbd CleatedD M odied M odied Versionst VersionE VersionV N exIPay N extPay BalD ahe Pn'nBal IntBaI LaheFeeB N SFFeeB IM BaID aiI Servicing Senlem e LoanExhe LeanExm charge_o m e nform elio Sm edlnt asD ue dM om hly D o M aturilyD ate D ate U ser anD ahe ndD ate alidBit m entD ue m em D ue el al oneruel ParentTr nSIatuel neionstat nsionTer ff_D ate nD ate erestRab Paym ent nth ue ate D ate Am ount ansadion D uelD m Am ount ID G ustavo D iaz 178 1/2/2018 0.1169 O 0 496 3 1/3/2021 1/2/2018 1/2/2013 1/2/2013 1/2/2013 1 2/3/2013 496 1/3/2018 15m 0 0 0 0 D 8/31/201 12:00:00 12:00:00 11:10:46 11:10:47 11:10:46 11:10:47 12:00:00 12:00:00 B AM AM AM AM AM AM AM AM 1Ao0:00 G ustavo D iaz 17B 1/2/2013 0.1169 0 D 496 3 1/3/2021 1/2/2013 “3/2013 1/2/2018 “3/2013 1 2/3/2018 l) 1/3/2018 15000 0 0 0 4.00411 0 0 8/31/201 12:00:00 12:00:00 11:10:47 1:31 :29 11:10:47 1:31 :29 12:00:00 12:00:00 8 AM AM AM AM AM AM AM AM 12:00:00 AM G uem vo D iaz 118 1/3/2018 0.1169 0 0 496 3 1/3/2021 1/3/2013 2/2/2018 113/2013 2/2/2018 1 2/3/2013 496 1/3/2018 15000 0 0 0 4.80411 0 0 8/31/201 12:00:00 12:00:00 1:31:30 9:10:12 1:31:29 9:10:12 12:00:00 12:00:00 8 AM AM AM PM AM PM AM AM 12:00:00 AM G ushvo D iaz 118 2/3/2018 0.1169 0 0 496 3 1/3/2021 2/212018 2/3/2013 2/212013 2/3/2013 1 2/312013 0 2/3/2018 14652.93 0 0 0 4.692952 0 D 8/31/201 12:00:00 12:00:00 9:10:12 10:36:17 9:10:12 10:36:17 12:00:00 12:00:00 AM AM PM PM AM 12:00:00 AM G ustavo D iaz 178 2/4/2018 0.1169 0 0 496 a 1/3/2021 2/3/2018 3/2/2018 2/3/2018 3/2/2018 1 3/3/2018 496 2/4/2018 14652.93 4.69 0 0 4.692952 0 0 8/31/201 12:00:00 12:00:00 10:36:17 10:15:47 10:36:17 10:15:47 12:00:00 12:00:00 AM AM PM PM AM 12:00:00 AM G uem vo D iaz 118 3/3/2018 0.1169 0 0 496 3 1/3/2021 3/2/2018 3/3/2018 3/2/2018 3/3/2018 1 3/3/2018 0 3/3/2018 14288.33 0 0 0 4.5618 0 0 8/31/201 12:00:00 12:00:00 10:15:47 10:52:46 10:15:47 10:52:46 12:00:00 12:00:00 AM AM PM PM PM PM AM 12:00:00 AM G ushvo D iaz 118 3/4/2018 0.1169 0 0 496 3 1/3/2021 3/3/2018 412/2018 3/312018 412/2018 1 4/312018 496 314/2018 14288.33 4.58 0 0 4.51618 0 0 8/31/201 12:00:00 12:00:00 10:52:46 9:28:08 10:52:46 9:28:08 12:00:00 12:00:00 AM AM PM PM AM 12:00:00 AM G ustavo D iaz 118 4/3/2018 0.1169 0 0 496 3 1/3/2021 4/2/2018 414/2018 4/2/2018 414/2018 1 41312018 0 41312018 13934.19 0 0 0 4.462158 0 0 81311201 12:00:00 12:00:00 9:28:09 9:31:59 9:28:08 9:31:59 12:00:00 12:00:00 AM AM PM AM PM AM AM AM 12:00:00 AM G usm vu D iaz 118 41412018 0.1169 0 0 496 3 113/2021 414/2018 5/2/2018 414/2018 5/2/2018 1 5/3/2018 496 414/2018 13934.19 4.46 0 0 4.462158 0 0 81311201 12:00:00 12:00:00 9:31:59 9:08:20 9:31:59 9:08:20 12:00:00 12:00:00 AM AM AM AM 12:00:00 AM G ushvo D iaz 118 5/3/2018 0.1169 0 0 496 3 113/2021 5/2/2018 5/4/2018 51212018 5/4/2018 1 513/2018 0 5/3/2018 13512.01 0 0 0 4.346181 0 0 81311201 12:00:00 12:00:00 9:08:20 12:10:31 9:08:20 12:10:31 12:00:00 12:00:00 8 AM AM PM AM PM AM AM AM 12:00:00 AM G uem vo D iaz 118 5/4/2018 0.1169 0 0 496 3 11312021 51412018 51412018 514R018 51412018 1 61312018 496 5/4/2018 1352.01 4.35 0 0 4.346181 0 0 81311201 12:00:00 12:00:00 12:10:37 8:m :00 12:10:37 8:02:00 12:00:00 12:00:00 8 AM AM AM AM AM AM AM AM 12:00:00 AM G usm vo D iaz 173 5/4/2018 0.1169 496 1 496 3 1/3/2021 5/4/2013 5/4/2013 514/2013 51412013 1 513/2013 496 51412018 13934.19 138.35 0 15 4.462758 0 0 8/31/201 12:00:00 12:00:00 8:02:00 11:03:36 8:02:00 11:03:36 12:00:00 12:00:00 8 AM AM AM PM AM PM AM AM 12:00:00 AM G usm vo D iaz 118 515/2018 0.1169 496 2 496 3 11312021 51412018 51512018 51412018 51512018 1 513/2018 496 515/2018 13934.19 142.81 0 15 4.462158 0 0 81311201 12:00:00 12:00:00 11:03:36 11:46:35 11:03:36 11:46:35 12:00:00 12:00:00 AM AM PM PM AM AM 12:00:00 AM G ueuvo D iaz 118 516/2018 0.1169 496 3 496 3 11312021 51512018 511/2018 5/5R018 511/2018 1 5B2018 496 516/2018 13934.19 141.21 0 15 4.462158 0 0 81311201 12:00:00 12:00:00 11:46:35 5:39:29 11:46:35 5:39:29 12:00:00 12:00:00 AM AM AM AM 12:00:00 AM G usm vn D iaz 173 517/2018 0.1169 496 4 496 3 1/3/2021 517/2013 517/2013 51712013 51712013 1 513/2013 496 51712018 13934.19 151.74 0 15 4.462758 0 0 8/31/201 12:00:00 12:00:00 5:39:30 9:50:24 5:39:29 9:50:24 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 AM G usm vo D iaz 118 5/1/2018 0.1169 496 4 496 3 11312021 51112018 511/2018 511/2018 511/2018 1 513/2018 496 511/2018 13934.19 151.14 0 15 4.462158 0 0 81311201 12:00:00 12:00:00 9:50:24 250:25 9:50:24 9:50:25 12:00:00 12:00:00 AM AM AM AM 12:00:00 AM G ueuvo D iaz 118 51112018 0.1169 496 4 496 3 11312021 511R018 511/2018 511R018 511/2018 1 5BR018 496 5/112018 13934.18 151.14 0 15 4.462158 0 0 81311201 12:00:00 12:00:00 9:50:25 :50:21 9:50:25 9:50:21 12:00:00 12:00:00 AM AM AM AM 12:00:00 AM G ustavo D iaz 173 51712018 0.1169 496 4 496 3 11312021 51712013 51712013 51712013 51712013 1 513/2013 496 51712018 13934.19 151.74 0 15 4.462758 0 0 81311201 12:00:00 12:00:00 9:50:27 11:29:25 9:50:27 11:29:25 12:00:00 12:00:00 8 AM AM AM AM PM AM AM 12:00:00 AM G ustavo D iaz 118 518/2018 0.1169 496 5 496 3 11312021 511/2018 51812018 51112018 51812018 1 51312018 496 51812018 13934.19 156.2 0 15 4.462158 0 0 81311201 12:00:00 12:00:00 11:m :26 1:29:51 11:”:25 1:m :51 12:00:00 12:00:00 8 AM AM PM AM PM AM AM AM 12:00:00 AM G uem vo D iaz 118 518/2018 0.1169 496 5 496 3 11312021 518/2018 51812018 51812018 51812018 1 513/2018 496 51812018 13934.19 156.2 0 15 4.462158 0 0 81311201 12:00:00 12:00:00 1:29:52 1:3:53 1:29:51 1:m :53 12:00:00 12:00:00 8 AM AM AM AM AM AM AM AM 12:00:00 AM G ushvo D iaz 118 51812018 0.1169 496 5 496 3 1/3/2021 5/8/2018 018 5/812018 519/2018 1 51312018 496 5/8/2018 13934.19 156.2 0 15 4.462158 0 D 81311201 12:00:00 12:00:00 1:29:53 12:34:30 1:29:53 12:34:30 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 AM G ustavo D iaz 118 519/2018 0.1169 496 8 496 3 11312021 5/912018 51912018 5/912018 51912018 1 51312018 496 51912018 13934.19 160.66 0 15 4.462158 0 0 81311201 12:00:00 12:00:00 12:34:30 1:19:03 12:34:30 1:19:03 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 AM G uem vo D iaz 118 519/2018 0.1169 496 6 496 3 11312021 519/2018 51912018 51912018 51912018 1 51312018 496 51912018 13934.19 160.66 0 15 4.462158 0 0 81311201 12:00:00 12:00:00 1:19:08 1:19:09 1:19:08 1:19:09 12:00:00 12:00:00 AM AM AM AM AM 12:00:00 AM G ushvo D iaz 118 5/9/2018 0.1169 496 6 496 3 1/3/2021 51912018 018 51912018 51912018 51312018 496 519/2018 13934.19 160.66 0 15 4.462158 0 0 81311201 3:00:00 3:00:00 1:19:10 10:53:46 1:19:09 $5346 loom o 1AZ~:|00:00 12:00:00 AM G ustavo D iaz 51101201 0.1169 496 1 496 1/3/2021 5/9/2010 5/10/201 5/9/2010 5/10/201 53/2019 496 5/10/201 13934.19 165.12 15 4.462759 9/31/201 12:00:00 10:53:46 a 2:10:49 10:53:46 9 2:10:49 12:00:00 12:00:00 AM PM AM PM AM AM 12:00:00 12:00:00 AM AM AM G usIavn D iaz 5/10/201 0.1169 496 1 496 1/3/2021 5/10/201 5/10/201 5/10/201 5/10/201 5/an019 496 5/10201 13994.19 165.12 15 4.462159 9/31/201 9 12:00:00 92:10:49 92:10:51 92:10:49 92:10:51 12:00:00 9 9 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 5/10/201 0.1169 496 1 496 1/3/2021 5/10/201 5/10/201 5/10/201 5/10/201 5/3/2019 496 5/10/201 19934.19 165.12 15 4.462159 9/31/201 9 12:00:00 92:10:52 9 92:10:51 9 12:00:00 9 9 12:00:00 AM AM 11:55:29 AM 11:55:29 AM 12:00:90 12:00:00 AM PM PM AM AM G ustavo D iaz 5/11/201 0.1169 496 9 496 1/3/2021 5/10/201 5/11/201 5/10/201 5/11/201 5/3/2019 496 5/11/201 13934.19 169.59 15 4.462759 9/31/201 9 12:00:00 9 9 4:09:43 9 9 4:09:43 12:00:00 9 9 12:00:00 AM 11:55:29 AM 11:55:29 AM AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D iaz 5/11/201 0.1169 496 9 496 1/3/2021 5/11/201 5/11/201 5/11/201 5/11/201 5/9/2019 496 5/11/201 13934.19 109.59 15 4.462159 9/31/201 9 12:00:00 94:09:49 94:09:45 94:09:49 94:09:45 12:00:00 12:00:00 AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 5/11/201 0.1169 496 9 496 1/9/2021 5/11/201 5/11/201 5/11/201 5/11/201 5/3/2019 496 5/11/201 13934.19 169.59 15 4.462759 9/31/201 12:00:00 9 4:09:45 9 4:09:45 12:00:00 12:00:00 AM 10:31:33 AM 10:31:33 AM 12:00:00 12:00:00 AM PM PM AM AM G usm vo D iaz 5/12/201 0.1169 496 9 496 1/3/2021 5/11/201 5/12/201 5/11/201 5/12/201 5/3/2019 496 5/12/201 13934.19 114.05 15 4.462159 9/31/201 12:00:00 9 1:54:05 9 1:54:05 12:00:00 12:00:00 AM 10:31:34 AM 10:31:33 AM AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D iaz 5/12/201 0.1169 496 9 496 1/3/2021 5/12/201 5/12/201 5/12/201 5/12/201 5/9/2019 496 5/12/201 13934.19 114.05 15 4.462159 9/31/201 12:00:00 91:54:05 91:54:01 91:54:05 91:54:07 12:00:00 12:00:00 AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 5/12/201 0.1169 496 9 496 1/3/2021 5/12/201 5/12/201 5/12/201 5/12/201 5/3/2019 496 5/12/201 13934.19 174.05 15 4.462759 9/31/201 12:00:00 9 1:54:01 9 1:54:01 12:00:00 12:00:00 AM 10:14:16 10:14:16 AM 12:00:00 12:00:00 AM PM PM AM AM G usm vo D iaz 5/13/201 0.1169 496 10 496 1/3/2021 5/12/201 5/13/201 5/12/201 5/13/201 5/3/2019 496 5/13/201 13934.19 179.51 15 4.462759 9/31/201 9 12:00:00 9 1:49:52 9 1:49:52 12:00:00 12:00:00 AM 10:14:16 AM 10:14:16 AM AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D iaz 5/13/201 0.1169 496 10 496 1/3/2021 5/13/201 5/13/201 5/13/201 5/13/201 5/3/2019 496 5/13/201 13934.19 179.51 15 4.462759 9/31/201 9 12:00:00 91:49:52 91:49:54 91:49:52 91:49:54 12:00:00 9 9 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 5/13/201 0.1169 496 10 496 1/3/2021 5/13/201 5/13/201 5/13/201 5/13/201 59/2019 496 5/13/201 13934.19 179.51 15 4.462759 9/31/201 9 12:00:00 91:49:54 99:20:39 91:49:54 99:20:39 12:00:00 9 9 12:00:00 AM AM PM AM PM AM 12:00:00 12:00:00 AM AM AM G usm vo D iaz 5/14/201 0.1169 0 0 496 1/3/2021 5/13/201 5/13/201 5/13/201 5/13/201 6/9/2019 496 5/14201 13636.16 0 o 4.967307 9/91/201 9 12:00:00 99:20:39 9 99:20:39 9 12:00:00 9 9 12:00:00 AM PM 11:49:46 PM 11:49:46 AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D laz 5/14/201 0.1169 0 0 496 1/3/2021 5/13/201 5/15/201 5/13/201 5/15/201 6/9/2019 496 5/14/201 13636.16 0 0 4.367307 9/31/201 12:00:00 9 9:01:49 9 9:01:49 12:00:00 12:00:00 AM 11:43:46 AM 11:49:46 AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D iaz 5/15/201 0.1169 496 12 496 1/3/2021 5/15/201 5/15/201 5/15/201 5/15/201 59/2019 496 5/15/201 13934.19 197.44 15 4.462759 9/31/201 12:00:00 9 9:01:49 9 9:01:49 12:00:00 12:00:00 AM AM 11:10:56 AM 11:10:56 AM 12:00:00 12:00:00 AM PM PM AM AM G usavo D iaz 5/16/201 0.1169 496 13 496 14362353 5/15/201 5/16/201 5/15/201 5/16/201 $620033 496 5/16m 01 13934.19 191.9 15 4.462759 9/91/201 12:00:00 AM ' 11:10:57 12:50:15 11:10:56 12:50:15 AM ' 12:00:00 12:00:00 AM PM AM PM AM AM AM G ustavo D laz 5/16/201 0.1169 496 13 496 153620033 5/16/201 Ens/201 5/16/201 ns/201 5/23/020033 496 5/16/201 13934.19 191.9 15 4.462759 9/31/201 12:00:00 AM ' 12:50:15 12:50:11 12:50:15 12:50:11 AM ' 12:00:00 12:00:00 AM AM AM AM AM AM AM G ustavo D iaz 5/16/201 0.1169 496 13 496 14362833 5/16/201 gl16/201 5/16/201 gl16/201 $620033 496 5/16/201 13934.19 191.9 15 4.462759 9/31/201 12:00:00 AM ' 12:50:17 12:50:19 12:50:17 12:50:19 AM ' 12:00:00 12:00:00 AM AM AM AM AM AM AM G ustavo D iaz 5/16/201 0.1169 496 13 496 1/3/2021 5/16/201 5/16/201 5/16/201 5/16/201 5/9n019 496 5/16m 01 13934.19 191.9 15 4.462759 9/91/201 9 12:00:00 9 9 9 9 12:00:00 9 9 12:00:00 AM 12:50:19 11:49:45 12:50:19 11:49:45 AM 12:00:00 12:00:00 AM AM PM AM PM AM AM G ustavo D iaz 5/17/201 0.1169 496 14 496 1/3/2021 5/16/201 5/17/201 5/16/201 5/17/201 5/3/2019 496 5/17/201 13934.19 196.96 15 4.462759 9/31/201 9 12:00:00 9 9 9 9 12:00:00 9 9 12:00:00 AM 11:49:46 12:21 :31 11:49:45 12:21 :31 AM 12:00:00 12:00:00 AM PM AM PM AM AM AM G ustavo D iaz 5/11/201 0.1169 496 14 496 1/3/2021 5/17/201 5/17/201 5/17/201 5/17/201 5/3/2019 496 5/17/201 13934.19 196.36 15 4.462759 9/31/201 9 12:00:00 9 9 9 9 12:00:00 9 9 12:00:00 AM 12:21:31 12:21:32 12:21:31 12:21:32 AM 12:00:00 12:00:00 AM AM AM AM AM AM AM G ustavo D iaz 3/11/201 0.1169 496 14 496 tea/0233(1) 55/17/201 5/17/201 5/17/201 5/17/201 529620033 496 5/17/201 13934.19 196.36 15 4.462759 9/91/201 12:00:00 AM ' 12:21:32 11:27:20 12:21:32 11:27:20 AM ' 12:00:00 12:00:00 AM AM PM AM PM AM AM G ustavo D iaz 5/19/201 0.1169 496 15 496 14362833 5/17/201 5/19/201 5/17/201 5/19/201 59350033 496 5/19/201 13934.19 200.93 15 4.462759 9/31/201 12:00:00 AM ' 11:27:20 12:19:41 11:27:20 12:19:41 AM ' 12:00:00 12:00:00 AM PM AM PM AM AM AM G usm vo D iaz 5/19/201 0.1169 496 15 496 14362333 5/19/201 5/19/201 5/19/201 5/19/201 gigs/.2333 496 5/19/201 13934.19 200.93 15 4.462759 9/31/201 12:00:00 AM ' 12:19:41 12:19:43 12:19:41 12:19:43 AM ' 12:00:00 12:00:00 AM AM AM AM AM AM AM G ustavo D iaz 5/19/201 0.1169 496 15 496 1/3/2021 5/19/201 5/19/201 5/19/201 5/19/201 5/9/2019 496 5/16/201 13934.19 200.93 15 4.462759 9/31/201 12:00:00 9 9:49:55 9 9:49:55 12:00:00 12:00:00 AM 12:19:49 PM 12:19:49 PM AM 12:00:00 12:00:00 AM AM AM AM AM G ustavo D iaz 51191201 0.1169 520.8 16 496 1/3/2021 51181201 5/19/201 51181201 51101201 5nr2018 496 51191201 13934.19 205.29 24.8 15 4.462758 ar311201 12:00:00 89:49:55 8 89:49:55 8 12:00:00 12:00:00 AM 12:53:21 PM 12:53:21 AM 12:00:00 12:00:00 AM AM AM AM AM G usIavo D iaz 51191201 0.1169 520.8 16 496 11312021 51191201 51191201 51191201 51191201 513m m 496 5119201 13994.19 205.29 24.8 15 4.462159 91311201 9 12:00:00 8 9 8 9 12:00:00 9 9 12:00:00 AM 12:53:21 12:53:29 12:53:21 12:53:29 AM 12:00:00 12:00:00 AM AM AM AM AM AM AM G ustavo D iaz 51191201 0.1169 520.9 16 496 11312021 51191201 51191201 51191201 51191201 51312019 496 51191201 13934.19 205.29 24.9 15 4.462159 91311201 9 12:00:00 9 8 9 8 12:00:00 9 9 12:00:00 AM 12:53:29 12:53:30 12:53:29 12:53:30 AM 12:00:00 12:00:00 AM AM AM AM AM AM AM G ustavo D iaz 51191201 0.1169 520.8 16 496 11312021 51191201 51191201 51191201 51191201 51312019 496 51191201 13934.19 205.29 24.8 15 4.462158 8r311201 8 12:00:00 8 8 9:42:49 8 9 9:42:49 12:00:00 8 8 12:00:00 AM 12:53:30 PM 12:53:30 PM AM 12:00:00 12:00:00 AM AM AM AM AM G ustavo D iaz 51201201 0.1169 520.8 11 496 11312021 51191201 51191201 51191201 51191201 51312018 496 51201201 13934.19 209.15 24.8 15 4.462159 91311201 9 12:00:00 99:42:50 9 99:42:49 12:00:00 12:00:00 AM PM 11:32:33 PM 11:32:33 AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D iaz 51201201 0.1169 520.9 11 498 1123112833 51191201 51191201 51191201 51191201 5931:0033 496 51201201 13934.19 209.15 24.9 15 4.462159 81311201 12:00:00 AM ' 11:32:39 11:32:39 11:32:39 11:32:39 AM ' 12:00:00 12:00:00 AM PM PM PM PM AM AM G usm vo D iaz 51201201 0.1169 520.8 11 496 112362333 51191201 31201201 51191201 g1201201 $620033 496 51201201 13934.19 209.15 24.8 15 4.462158 91311201 12:00:00 AM ' 11:32:39 10:08:22 11:32:39 10:08:22 AM ' 12:00:00 12:00:00 AM PM PM PM PM AM AM G ustavo D iaz 51211201 0.1169 520.9 19 496 112362333 51201201 21201201 51201201 31201201 5123130033 496 51211201 13934.19 214.21 24.9 15 4.462159 91311201 12:00:00 AM ' 10:09:22 11:42:20 10:09:22 11:42:20 AM ' 12:00:00 12:00:00 AM PM PM PM PM AM AM G ustavo D iaz 51211201 0.1169 520.8 19 496 1123112833 51201201 31201201 51201201 31201201 5931:0033 496 51211201 13934.19 214.21 24.9 15 4.462158 81311201 12:00:00 AM ' 11:42:20 11:42:22 11:42:20 11:42:22 AM ' 12:00:00 12:00:00 AM PM PM PM PM AM AM G usm vo D iaz 31211201 0.1169 520.9 19 496 112382333 51201201 31211201 51201201 31211201 $31.20an 496 51211201 13934.19 214.21 24.9 15 4.462159 91311201 12:00:00 AM ' 11:42:22 11:45:31 11:42:22 11:45:31 AM ' 12:00:00 12:00:00 AM PM PM PM PM AM AM G ustavo D iaz 51221201 0.1169 520.9 19 496 11312021 51211201 51221201 51211201 51221201 51312019 496 51221201 13934.19 219.69 24.6 15 4.462159 91311201 9 12:00:00 9 9 9 9 12:00:00 9 9 12:00:00 AM 11:45:31 12:51 :55 11:45:31 12:51 :55 AM 12:00:00 12:00:00 AM PM AM PM AM AM AM G ustavo D iaz 51221201 0.1169 520.8 19 496 11312021 51221201 51221201 51221201 51221201 5912019 496 51221201 13934.19 219.68 24.8 15 4.462158 81311201 9 12:00:00 8 8 8 9 12:00:00 9 8 12:00:00 AM 12:51:56 12:51:51 12:51:55 12:51:51 AM 12:00:00 12:00:00 AM AM AM AM AM AM AM G usm vo D iaz 51221201 0.1169 520.9 19 496 11312021 5221201 51221201 51221201 51221201 51312019 496 51221201 13934.19 219.68 24.9 15 4.462159 81311201 9 12:00:00 8 9 8 9 12:00:00 9 9 12:00:00 AM 12:51:51 11:15:45 12:51:51 11:15:45 AM 12:00:00 12:00:00 AM AM PM AM PM AM AM G ustavo D laz 51231201 0.1169 520.9 20 496 112362333 51221201 31231201 51221201 31231201 5123620033 496 51231201 13934.19 223.14 24.9 15 4.462159 91311201 12:00:00 AM ' 11:15:46 12:49:55 11:15:45 12:49:55 AM ' 12:00:00 12:00:00 AM PM AM PM AM AM AM G ustavo D iaz 51231201 0.1169 520.8 20 495 112362833 51231201 31231201 51231201 21231201 $620033 496 51231201 13934.19 223.14 24.8 15 4.462158 81311201 12:00:00 AM ' 12:49:55 12:48:56 12:49:55 12:48:56 AM ' 12:00:00 12:00:00 AM AM AM AM AM AM AM G usavo D iaz 51231201 0.1169 520.9 20 496 112362332, 51231201 51241201 51231201 51241201 $1.20an 496 5123m m 13934.19 223.14 24.9 15 4.462158 81311201 12:00:00 AM ' 12:49:56 12:35:20 12:49:56 12:35:20 AM ' 12:00:00 12:00:00 AM AM AM AM AM AM AM G ustavo D laz 51241201 0.1169 520.9 21 496 11312021 51241201 51241201 51241201 51241201 51312019 496 51241201 13934.19 221.6 24.9 15 4.462159 91311201 12:00:00 8 4:21:41 8 4:21:41 12:00:00 12:00:00 AM 12:35:20 AM 12:35:20 AM AM 12:00:00 12:00:00 AM AM AM AM AM G ustavo D iaz 51241201 0.1169 520.8 21 496 11312021 51241201 51241201 51241201 51241201 5912019 496 51241201 13934.19 221.6 24.8 15 4.462158 81311201 12:00:00 84:21:41 84:21:42 84:21:41 84:21:42 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 51241201 0.1169 520.8 21 496 11312021 51241201 51241201 51241201 51241201 513n019 496 5124201 13934.19 227.6 24.8 15 4.462159 91311201 9 12:00:00 94:21:43 9 94:21:42 9 12:00:00 9 9 12:00:00 AM AM 11:48:50 AM 11:48:50 AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D iaz 5125201 0.1169 520.9 22 496 11312021 5241201 51251201 524201 51251201 5132019 496 5125201 13934.19 232.01 24.9 15 4.462159 91311201 9 12:00:00 9 8 3:39:19 9 9 3:39:19 12:00:00 9 9 12:00:00 AM 11:49:50 AM 11:49:50 AM AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D iaz 5125201 0.1169 520.8 22 496 11312021 5251201 51251201 5251201 51251201 5132019 496 5125201 13934.19 232.01 24.8 15 4.462158 81311201 9 12:00:00 83:39:19 83:39:21 83:39:19 83:39:21 12:00:00 8 8 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 5125201 0.1169 520.8 22 496 11312021 5251201 51251201 5251201 51251201 5132019 496 5125201 13934.19 232.01 24.8 15 4.462159 91311201 9 12:00:00 93:39:21 9 93:39:21 9 12:00:00 12:00:00 AM AM 10:06:32 AM 10:06:32 AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D iaz 51261201 0.1169 520.9 23 496 11312021 5251201 51261201 5251201 51261201 5132019 496 5126201 13934.19 236.53 24.9 15 4.462159 81311201 12:00:00 8 2:40:00 9 2:40:00 12:00:00 12:00:00 AM 10:06:32 PM 10:06:32 PM AM 12:00:00 12:00:00 AM PM PM AM AM G usm vo D iaz 5126201 0.1169 520.9 23 496 11312021 5261201 51261201 5261201 51261201 5132019 496 5126201 13934.19 236.53 24.8 15 4.462158 91311201 12:00:00 82:40:00 82:40:02 82:40:00 92:40:02 12:00:00 12:00:00 AM PM PM PM PM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 51261201 0.1169 520.9 23 496 11312021 5261201 51261201 526201 51261201 5132019 496 5126201 13934.19 236.53 24.9 15 4.462159 9131201 12:00:00 92:40:02 9 92:40:02 9 12:00:00 12:00:00 AM PM 11:03:41 PM 11:03:41 AM 12:00:00 12:00:00 AM PM PM AM AM G ushvo D iaz 178 5/27/201 0.1 169 520.8 24 496 1123/0200g3 5/26/201 SIN /201 5/26/201 SIN /201 $50033 496 5/27/201 13934.1 9 240.99 24.8 15 4.462758 81311201 12:00:00 AM ' 11:03:41 12:23:43 11:03:41 12:23:43 AM ' 12:00:00 12:00:00 AM PM AM PM AM AM AM G ushvn D iaz 178 5/27R01 0.1 169 520.8 24 496 1/3/2021 5/27/201 5IZ7I201 5/27/201 5IZ7I201 5BR01 B 496 5/27R01 13934.1 9 240.99 24.8 15 4.462758 8/31/201 8 12:00:00 B 8 8 8 12:00:00 8 8 12:00:00 AM 12:23:44 12:23:45 12:23:43 12:23:45 AM 12:00:00 12:00:00 AM AM AM AM AM AM AM G usm vo D iaz 178 5/27R01 0.1 169 520.8 24 496 1I3I2021 5/27/201 5!27I201 5/27/201 5IZ7I201 5I3R01 8 496 5/27R01 13934.1 9 240.99 24.8 15 4.462756 8/31/201 8 12:00:00 8 8 9:50:54 8 8 9:50:54 12:00:00 8 8 12:00:00 AM 122% :45 PM 122% :45 PM AM 12:00:00 12:00:00 AM AM AM AM AM G usm vo D iaz 178 5/28/201 0.1 169 520.8 25 496 1/3/2021 5/27/201 5(28/201 5/27/201 5(28/201 5f3l201 8 496 5/28I201 13934.1 9 245.45 24.8 15 4.462758 8B1/201 8 12:00:00 8 9:50:54 8 1:55:24 8 9:50:54 8 1:55:24 12:00:00 8 8 12:00:00 AM PM AM PM AM AM 12:00:00 12:00:00 AM AM AM G ushvo D iaz 178 5281201 0.1 169 520.8 25 496 113/2021 51281201 51281201 51281201 51281201 513nm 8 496 512m m 13934.1 9 245.45 24.8 15 4.462758 81311201 8 12:00:00 8 1:55:24 8 1:55:26 8 1:55:24 8 1:55:26 12:m :00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G usm vo D iaz 178 5/28R01 0.1 169 520.8 25 498 113/2021 51281201 51281201 51281201 51281201 513nm 8 496 512801 13934.1 9 245.45 24.8 15 4.462758 8811201 12:00:00 8 1:55:26 8 8 1:55:26 8 12:00:00 12:00:00 AM AM 11:22:46 AM 11:22:46 AM 12:00:00 12:00:00 AM PM PM AM AM G usm vo D iaz 178 51291201 0.1 169 520.8 26 496 11312021 51281201 51291201 51281201 51291201 5131201 8 496 51291201 13934.1 9 249.92 24.8 15 4.462758 81311201 12:00:00 8 1:24:34 8 1:24:34 12:00:00 12:00:00 AM 11:2:47 AM 11:2:46 AM AM 12:00:00 12:00:00 AM PM PM AM AM G ushvo D laz 178 5129m m 0.1 169 520.8 26 496 11312021 51291201 51291201 51291201 51291201 51301 8 496 512901 13934.1 9 249.92 24.8 15 4.462758 81311201 12:00:00 8 1:24:34 8 1:24:36 8 1:24:34 8 1:24:36 12:00:00 12:00:00 AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G usm vo D iaz 178 5129R01 0.1 169 520.8 26 496 11312021 51291201 51301201 51291201 51301201 513201 8 496 512901 13934.1 9 248.92 24.8 15 4.462758 81311201 12:00:00 8 1:24:36 8 8 1:24:36 8 12:00:00 12:00:00 AM AM 12:39:51 AM 12:39:51 AM 12:00:00 12:00:00 AM AM AM AM AM G usm vo D iaz 178 51301201 0.1 169 520.8 27 496 11312021 51301201 51301201 51301201 51301201 5131201 8 496 51301201 13934.1 9 254.38 24.8 15 4.462758 81311201 8 12:00:00 82:16:01 82:16:01 12:00:00 12:00:00 AM 12:39:51 AM 12:39:51 AM AM 12:00:00 12:00:00 AM AM AM AM AM G ushvo D laz 178 5130m m 0.1 169 520.8 27 496 11312021 51301201 51301201 51301201 51301201 51301 8 496 513001 13934.1 9 254.38 24.8 15 4.462758 81311201 8 12:00:00 82:16:01 82:16:03 82:16:01 82:16:03 12:00:00 8 8 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ushvo D iaz 178 5130R01 0.1 169 520.8 27 496 11312021 51301201 51301201 51301201 51301201 5BRD 1 8 496 5130R01 13934.1 9 254.38 24.8 15 4.462758 81311201 8 12:00:00 8 2:1 6:03 8 8 2:16:03 8 12:00:00 8 8 12:00:00 AM AM 10:56:02 AM 10:56:02 AM 12:00:00 12:00:00 AM PM PM AM AM G usm vo D iaz 178 51311201 0.1169 520.8 28 496 11312021 51301201 51311201 51301201 51311201 51312018 496 51311201 13934.19 258.84 24.8 15 4.462758 81311201 8 12:00:00 8 8 1:56:15 8 8 1:56:15 12:00:00 8 8 12:00:00 AM 10:56:03 AM 10:56:02 AM AM 12:00:00 12:00:00 AM PM PM AM AM G ushvo D laz 178 5131m m 0.1169 520.8 28 496 11312021 51311201 51311201 51311201 51311201 513R018 496 513101 13934.19 258.84 24.8 15 4.462758 81311201 12:00:00 8 1:56:16 8 1:56:17 8 1:56:15 8 1:56:17 12:00:00 12:00:00 AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ushvo D iaz 178 5131201 0.1169 520.8 28 496 11312021 51311201 51311201 51311201 51311201 5BRD 18 496 51311201 13934.19 258.84 24.8 15 4.462758 81311201 12:00:00 8 1:56:17 8 1:56:17 12:00:00 12:00:00 AM AM 11:50:10 11:50:10 AM 12:00:00 12:00:00 AM PM PM AM AM G usm vn D iaz 178 61112018 0.1169 520.8 29 496 11312021 51311201 61112018 51311201 61112018 51312018 496 61112018 13934.19 2.3 24.8 15 4.462758 81311201 12:00:00 12:00:00 4:26:30 4:26:30 12:00:00 12:00:00 AM AM 11:50:10 11:50:10 AM AM 12:00:00 PM PM AM G ushvo D laz 178 61112018 0.1169 520.8 29 496 11312021 61112018 61112018 611R018 61112018 513R018 496 61112018 13934.19 263.3 24.8 15 4.462758 81311201 12:00:00 12:00:00 4:26:30 4:28:32 4:26:30 4:28:32 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 AM G ushvo D iaz 178 61112018 0.1169 520.8 29 496 11312021 611R018 61112018 611R018 61112018 5BR018 496 61112018 13934.19 263.3 24.8 15 4.462758 81311201 12:00:00 12:00:00 4:26:32 10:47:13 4:26:32 10:47:13 12:00:00 12:00:00 AM AM AM PM AM PM AM AM 12:00:00 AM G ushvn D iaz 178 61212018 0.1169 520.8 30 496 11312021 61112018 61212018 611R018 61212018 513R018 496 61212018 13934.19 267.77 24.8 15 4.462758 81311201 12:00:00 12:00:00 10:47:13 2:38:48 10:47:13 2:38:48 12:00:00 12:00:00 8 AM AM PM AM PM AM AM AM 12:00:00 AM G usm vo D iaz 178 61212018 0.1 169 520.8 30 496 11312021 6121201 8 6121201 8 612nm 8 6121201 8 513nm 8 496 61212018 13934.1 9 267.77 24.8 15 4.462758 81311201 12:00:00 12:00:00 2:38:48 2:38:51 2:38:48 2:38:51 12:00:00 12:00:00 8 AM AM AM AM AM AM AM AM 12:00:00 AM G usm vo D iaz 178 61212018 0.1 169 520.8 30 496 11312021 6121201 8 6121201 8 6121201 8 6121201 8 5131201 8 496 61212018 13934.1 9 267.77 24.8 15 4.462758 81311201 12:00:00 12:00:00 2:38:51 11:08:28 2:38:51 11:08:28 12:00:00 12:00:00 8 AM AM AM PM AM PM AM AM 12:00:00 AM G ushvo D iaz 178 61312018 0.1 169 520.8 31 496 11312021 6121201 8 6131201 8 6/201 8 6131201 8 51301 8 496 61312018 13934.1 9 272.23 24.8 15 4.462758 81311201 12:00:00 12:00:00 11:08:28 12:44:39 11:08:28 12:44:39 12:00:00 12:00:00 AM AM PM AM PM AM AM AM 12:00:00 AM G usm vo D iaz 178 61312018 0.1 169 520.8 31 496 11312021 6131201 8 6131201 8 613nm 8 6131201 8 513nm 8 496 61312018 13934.1 9 272.23 24.8 15 4.462758 8811201 12:00:00 12:00:00 12:44:39 12:44:41 12:44:39 12:44:41 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 AM G uam vo D iaz 178 61312018 0.1 169 520.8 31 496 11312021 6131201 8 6141201 8 6131201 8 6141201 8 5131201 8 496 61312018 13934.1 9 272.23 24.8 15 4.462758 81311201 12:00:00 12:00:00 12:44:41 1:50:18 12:44:41 1:50:18 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 AM G ushvo D laz 178 61412018 0.1 169 1031 .8 32 496 11312021 614201 8 6141201 8 614201 8 6141201 8 513201 8 496 61412018 13934.1 9 276.69 24.8 15 4.462758 81311201 12:00:00 12:00:00 1:50:18 5:18:26 1:50:18 5:18:26 12:00:00 12:00:00 AM AM AM AM AM AM AM AM 12:00:00 AM G ushvo D iaz 6/4/2018 0.1 169 1031 .8 32 496 1/3/2021 6/4RD 1 8 6/4/201 8 6/4R01 8 6/4/201 8 5BRD 1 8 496 6/4/2018 13934.1 9 276.69 24.8 15 4.462758 8/31/201 12:00:00 12:00:00 5:18:27 5:18:29 5:18:26 5:18:29 12:00:00 12:00:00 AM AM AM AM AM AM AM AM 12:00:00 AM G ushvn D iaz 6/4/2018 0.1 169 1031 .8 32 496 1/3/2021 6/4/201 E 6/4/201 E 6/4/201 B 6/4/201 E 5/3/201 B 496 6/4/2018 13934.1 9 276.69 24.8 15 4.462758 8/31/201 12:00:00 12:00:00 5:18:29 11:17:51 5:18:29 11:17:51 12:00:00 12:00:00 8 AM AM AM PM AM PM AM AM 12:00:00 AM G uslavo D iaz 6/5/2018 0.1 169 1031 .9 33 496 1/3/2021 6/4/201 8 6/5/201 8 6/4201 8 6/5/201 8 5/3201 8 496 6/5/2019 13934.1 9 281 .16 24.8 15 4.462758 8/31/201 12:00:00 12:00:00 11:17:51 2:34:08 11:17:51 2:34:08 12:00:00 12:00:00 8 AM AM PM AM PM AM AM AM 12:00:00 AM G usm vo D iaz 6/5/2018 0.1 169 1031 .8 33 496 1/3/2021 6/5/201 8 6/5/201 8 6/5/201 8 6/5/201 8 5/3/201 8 496 6/5/2018 13934.1 9 281 .16 24.8 15 4.462758 8n1/201 12:00:00 12:00:00 2:34:08 2:34:11 2:34:08 2:34:11 12:00:00 12:00:00 8 AM AM AM AM AM AM AM AM 12:00:00 AM G ushvo D iaz 615/2018 0.1 169 1031 .8 33 496 1/3/2021 6/5/201 8 615/201 8 6/5n01 8 615/201 8 5/3n01 8 496 615/2018 13934.1 9 281 .16 24.8 15 4.462758 81311201 12:00:00 12:00:00 2:34:11 10:40:50 2:34:11 10:40:50 12:00:00 12:00:00 AM AM AM PM PM AM AM 12:00:00 AM G uslavo D iaz 61612018 0.1 169 1031 .8 34 496 1/312021 615/201 8 6161201 8 615201 8 6161201 8 513201 8 496 61612018 13934.1 9 285.62 24.8 15 4.462758 81311201 12:00:00 12:00:00 10:40:50 2:37:17 10:40:50 2:37:17 12:00:00 12:00:00 AM AM PM AM PM AM AM AM 12:00:00 AM G usm vo D iaz 616/2018 0.1 169 1031 .8 34 496 1/3/2021 616201 8 6161201 8 616201 8 6161201 8 513201 8 496 61612018 13934.1 9 285.62 24.8 15 4.462758 81311201 12:00:00 12:00:00 2:37:17 2:37:20 2:37:17 2:37:20 12:00:00 12:00:00 AM AM AM AM 12:00:00 AM G ushvo D laz 61612018 0.1 169 1031 .8 34 496 11312021 616201 8 6161201 8 616201 8 6161201 8 513201 8 496 61612018 13934.1 9 285.62 24.8 15 4.462758 81311201 12:00:00 12:00:00 2:37:20 11:48:29 2:37:20 11:48:29 12:00:00 12:00:00 AM AM PM PM AM AM 12:00:00 AM G uslavo D iaz 617/2018 0.1 169 1031 .8 35 496 11312021 616201 8 617201 8 616201 8 617201 8 513201 8 496 61712018 13934.1 9 290.08 24.8 15 4.462758 81311201 12:00:00 12:00:00 11:48:29 2:42:25 11:48:29 2:42:25 12:00:00 12:00:00 AM AM PM AM PM AM AM AM 12:00:00 AM G usm vu D iaz 61712018 0.1169 1031.8 35 496 11312021 6172018 61712018 6172018 61712018 5132018 496 61712018 13934.19 290.08 24.8 15 4.462758 81311201 12:00:00 12:00:00 2:42:25 2:42:28 2:42:25 2:42:28 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 AM G ushvo D laz 61712018 0.1 169 1031 .8 35 496 11312021 617201 8 6171201 8 617201 8 6171201 8 513201 8 496 61712018 13934.1 9 290.08 24.8 15 4.462758 81311201 12:00:00 12:00:00 2:42:28 10:53:20 2:42:28 10:53:20 12:00:00 12:00:00 8 AM AM AM PM AM PM AM AM 12:00:00 AM G usm vo D iaz 618/2018 0.1169 1031.8 36 496 113/2021 6172018 618/2018 6172018 618/2018 522018 496 61812018 13934.19 294.54 24.8 15 4.462758 81311201 12:00:00 12:00:00 10:53:20 2:03:59 10:53:20 2:03:59 12:00:00 12:00:00 8 AM AM PM AM PM AM AM AM 12:00:00 AM G usm vo D iaz 618/2018 0.1 169 1031 .8 36 496 113/2021 6181201 8 618/201 8 6181201 8 618/201 8 5131201 8 496 618/2018 13934.1 9 294.54 24.8 15 4.462758 81311201 12:00:00 12:00:00 2:03:59 2:04:01 2:03:59 2:04:01 12:00:00 12:00:00 8 AM AM AM AM AM AM AM AM 12:00:00 AM G ushvo D laz 61812018 0.1 169 1031 .8 36 496 11312021 618201 8 6181201 8 618201 8 6181201 8 513201 8 496 61812018 13934.1 9 294.54 24.8 15 4.462758 81311201 12:00:00 12:00:00 2:04:02 10:28:25 2:04:01 10:28:25 12:00:00 12:00:00 AM AM PM PM AM AM 12:00:00 AM G ushvo D iaz 619/2018 0.1169 1031.8 37 496 113/2021 6182018 61912018 6182018 61912018 522018 496 619/2018 13934.19 299.01 24.8 15 4.462758 81311201 12:00:00 12:00:00 10:28:25 1:29:16 10:28:25 1:”:16 12:00:00 12:00:00 AM AM PM AM AM AM AM 12:00:00 AM G usm vn D iaz 619/2018 0.1 169 1031 .8 37 496 113/2021 6191201 8 619/201 8 6191201 8 619/201 8 5131201 8 496 619/2018 13934.1 9 299.01 24.8 15 4.462758 81311201 12:00:00 12:00:00 1:29:17 1:29:19 1:29:16 1:29:19 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 AM G ushvo D laz 61912018 0.1 169 1031 .8 37 496 11312021 619201 8 6191201 8 619201 8 6191201 8 513201 8 496 61912018 13934.1 9 299.01 24.8 15 4.462758 81311201 12:00:00 12:00:00 1:29:19 10:55:44 1:29:19 10:55:44 12:00:00 12:00:00 AM AM PM PM AM AM 12:00:00 AM G ushvo D iaz 61101201 0.1169 1031.8 38 496 113/2021 6192018 61101201 6192018 61101201 522018 496 6110201 13934.19 303.47 24.8 15 4.462758 8211201 12:00:00 10:55:44 8 3:52:24 10:55:44 8 3:52:24 12:00:00 12:00:00 AM PM AM PM AM AM 12:00:00 12:00:00 AM AM AM G ushvn D iaz 6110201 0.1169 1031.8 38 496 113/2021 61101201 61101201 61101201 61101201 5132018 496 61101201 13934.19 303.47 24.8 15 4.462758 81311201 8 12:00:00 8 3:52:24 8 3:52:27 8 3:52:24 8 3:52:27 12:00:00 8 8 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G uslavo D iaz 6110201 0.1169 1031.8 38 496 11312021 61101201 61101201 6110201 61101201 522018 496 6110201 13934.19 303.47 24.8 15 4.462758 81311201 8 12:00:00 8 3:52:27 8 8 3:52:27 8 12:00:00 8 8 12:00:00 AM AM 11:10:10 AM 11:10:10 AM 12:00:00 12:00:00 AM PM PM AM AM G usm vo D iaz 61111201 0.1169 1031.8 39 496 113/2021 61101201 61111201 61101201 61111201 522018 496 6111201 13934.19 307.93 24.8 15 4.462758 8211201 8 12:00:00 8 8 3:51:19 8 8 3:51:19 12:00:00 8 8 12:00:00 AM 11:10:10 AM 11:10:10 AM AM 12:00:00 12:00:00 AM PM PM AM AM G ushvo D iaz 6111201 0.1169 1031.8 39 496 11312021 61111201 61111201 61111201 61111201 5132018 496 6111201 13934.19 307.93 24.8 15 4.462758 81311201 8 12:00:00 8 3:51:19 8 3:51:21 8 3:51:19 8 3:51:21 12:00:00 12:00:00 AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G uslavo D iaz 6111201 0.1169 1031.9 39 496 11312021 61111201 61111201 61111201 61111201 522018 496 6111201 13934.19 307.93 24.8 15 4.462758 8211201 12:00:00 8 3:51:21 9 3:51:21 12:00:00 12:00:00 AM 11:23:06 AM 11:23:06 AM 12:00:00 12:00:00 AM PM PM AM AM G uam vo D iaz 6112201 0.1169 1031.8 40 496 11312021 61111201 61121201 61111201 61121201 522018 496 6112201 13934.19 312.39 24.8 15 4.462758 81311201 12:00:00 8 4:32:34 8 4:32:34 12:00:00 12:00:00 AM 11:23:06 AM 11:23:06 AM AM 12:00:00 12:00:00 AM PM PM AM AM G ushvo D laz 6112201 0.1169 1031.8 40 496 11312021 61121201 61121201 61121201 61121201 5132018 496 6112201 13934.19 312.39 24.8 15 4.462758 81311201 12:00:00 8 4:32:34 8 4:32:36 8 4:32:34 8 4:32:36 12:00:00 12:00:00 AM AM AM AM 12:00:00 12:00:00 AM AM AM G ushvo D iaz 178 6/12/201 0.1169 1031.8 40 496 1/3/2021 6/12/201 6/12/201 6/12/201 6/12/201 5BR018 496 6/12I201 13934.19 312.39 24.8 15 4.462758 8/31/201 12:00:00 8 4:32:36 8 4:32:36 12:00:00 12:00:00 AM AM 11:16:11 AM 11:16:11 AM 12:00:00 12:00:00 AM PM PM AM AM G ushvn D iaz 178 6/13R01 0.1169 1031.8 41 496 1/3/2021 6/12/201 6/13/201 6/12/201 6/13/201 5/3/2018 496 6/13/201 13934.19 316.86 24.8 15 4.462758 8/31/201 E 12:00:00 B 8 3:03:01 8 B 3:03:01 12:00:00 E 8 12:00:00 AM 11:16:11 AM 11:16:11 AM AM 12:00:00 12:00:00 AM PM PM AM AM G uslavo D iaz 178 6/13/201 0.1169 1031.9 41 496 1/3/2021 6/13/201 6/13/201 6/13/201 6/13/201 5/3018 496 6/1301 13934.19 316.96 24.8 15 4.462756 9/31/201 8 12:00:00 9 3:03:01 9 3:03:03 9 3:03:01 9 3:03:03 12:00:00 9 9 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G usm vo D iaz 179 6/13/201 0.1169 1031.8 41 496 1/3/2021 6/13/201 6/13/201 6/13/201 6/13/201 5/3/2019 496 6/13/201 13934.19 316.86 24.8 15 4.462758 8B1/201 8 12:00:00 8 3:03:03 8 8 3:03:03 8 12:00:00 8 8 12:00:00 AM AM 11:31:13 AM 11:31:13 AM 12:00:00 12:00:00 AM PM PM AM AM G ushvo D iaz 178 6/14/201 0.1 169 1031 .8 42 496 1/3/2021 6/1 3/201 6/14/201 6/1 3/201 6/14/201 5/3n01 8 496 6/14n01 13934.1 9 321 .32 24.9 15 4.462758 8/31/201 8 12:00:00 8 8 2:52:02 9 2:52:02 12:00:00 12:00:00 AM 11:31:13 AM 11:31:13 AM AM 12:00:00 12:00:00 AM PM PM AM AM G uslavo D iaz 178 6/14/201 0.1169 1031.9 42 496 1/3/2021 6/14/201 6/14/201 6/14/201 6/14/201 5/3019 496 6/1401 13934.19 321.32 24.9 15 4.462759 8/31/201 12:00:00 9 2:52:02 9 2:52:04 9 2:52:02 9 2:52:04 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G usm vo D ial 178 6/14/201 0.1 169 1031 .8 42 496 1/3/2021 6/14/201 6/14/201 6/14/201 6/14/201 5/3/201 8 496 6/14/201 13934.1 9 321 .32 24.8 15 4.462759 8/31/201 12:00:00 8 2:52:04 8 2:52:04 12:00:00 12:00:00 AM 11:54:35 11:54:35 AM 12:00:00 12:00:00 AM PM PM AM AM G ushvo D laz 178 6/1 5/201 0.1 169 1031 .8 43 496 1/3/2021 6/14/201 6/15/201 6/14/201 6/15/201 5/3E01 8 496 6/1M 01 13934.1 9 325.78 24.9 15 4.462758 8/31/201 12:00:00 8 6:03:42 8 6:03:42 12:00:00 12:00:00 AM 11:54:35 AM 11:54:35 AM AM 12:00:00 12:00:00 AM PM PM AM AM G uslavo D iaz 178 6/1 5/201 0.1 169 1031 .8 43 496 1/3/2021 6/1 5/201 6/15/201 6/1 5/201 6/15/201 5/3201 8 496 6/1 501 13934.1 9 325.78 24.9 15 4.462758 8/31/201 12:00:00 8 6:03:42 8 6:03:44 8 6:03:42 8 6:03:44 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G usm vu D iaz 178 6/15/201 0.1169 1031.8 43 496 1/3/2021 6/15/201 6/15/201 6/15/201 6/15/201 5/3/2018 496 6/15/201 13934.19 325.78 24.8 15 4.462758 8/31/201 8 12:00:00 8 6:03:44 8 8 6:03:44 8 12:00:00 12:00:00 AM 11:54:08 AM 11:54:08 AM 12:00:00 12:00:00 AM PM PM AM AM G ushvo D laz 178 6/16/201 0.1169 1031.8 44 496 1/3/2021 6/15/201 6/16/201 6/15/201 6/16/201 5/3018 496 6/16n01 13934.19 330.25 24.8 15 4.462758 8/31/201 8 12:00:00 8 8 3:07:12 8 9 3:07:12 12:00:00 8 8 12:00:00 AM 11:54:09 AM 11:54:08 AM AM 12:00:00 12:00:00 AM PM PM AM AM G usm vo D iaz 178 6/16R01 0.1169 1031.8 44 496 1/3/2021 6/16/201 6/16/201 6/16/201 6/16/201 5BR018 496 6/16R01 13934.19 330.25 24.8 15 4.462758 8/31/201 8 12:00:00 8 3:07:12 8 3:07:14 8 3:07:12 8 3:07:14 12:00:00 8 8 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G usm vo D iaz 178 6/16/201 0.1169 1031.8 44 496 1/3/2021 6/16/201 6/16/201 6/16/201 6/16/201 5/3/2018 496 6/16/201 13934.19 330.25 24.8 15 4.462758 8/31/201 8 12:00:00 8 3:07:15 8 8 3:07:14 8 12:00:00 8 8 12:00:00 AM AM 11:44:57 AM 11:44:57 AM 12:00:00 12:00:00 AM PM PM AM AM G ushvo D laz 178 6/17/201 0.1169 1031.9 45 496 1/3/2021 6/16/201 6/17/201 6/16/201 6/17/201 5/3/2018 496 6/1701 13934.19 334.71 24.9 15 4.462758 8/31/201 12:00:00 8 4:41:35 9 4:41:35 12:00:00 12:00:00 AM 11:44:57 AM 11:44:57 AM AM 12:00:00 12:00:00 AM PM PM AM AM G ushvo D iaz 178 6117201 0.1169 1031.8 45 496 1/3/2021 6/17/201 6/17/201 6/17/201 6/17/201 5BRD 18 496 5/17/201 13934.19 334.71 24.8 15 4.462758 8/31/201 12:00:00 8 4:41:35 8 4:41:37 8 4:41:35 8 4:41:37 12:00:00 12:00:00 AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G usm vn D iaz 178 6/17/201 0.1169 1031.8 45 496 1/3/2021 6/17/201 6/17/201 6/17/201 6/17/201 5/3/2018 496 6/17/201 13934.19 334.71 24.8 15 4.462758 8/31/201 12:00:00 8 4:41:37 8 4:41:37 12:00:00 12:00:00 AM 11:17:51 AM 11:17:51 AM 12:00:00 12:00:00 AM PM PM AM AM G ushvo D laz 178 6/19/201 0.1169 1031.9 46 496 1/3/2021 6/17/201 6/18/201 6/17/201 6/18/201 5/3/2018 496 6/1901 13934.19 339.17 24.9 15 4.462758 9/31/201 12:00:00 8 2:52:53 9 2:52:53 12:00:00 12:00:00 AM 11:17:51 AM 11:17:51 AM AM 12:00:00 12:00:00 AM PM PM AM AM G ushvo D iaz 178 6118201 0.1169 1031.8 46 496 1/3/2021 6/18/201 6/18/201 6/18/201 6/18/201 5BR018 496 6/18/201 13934.19 339.17 24.8 15 4.462758 8/31/201 12:00:00 8 2:52:53 8 2:52:56 8 2:52:53 8 2:52:56 12:00:00 12:00:00 AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ushvn D iaz 178 6/18R01 0.1169 1031.8 46 496 1/3/2021 6/18/201 6/19/201 6/18/201 6/19/201 5/3/2018 496 6/18/201 13934.19 339.17 24.8 15 4.462758 8/31/201 8 12:00:00 8 2:52:56 8 8 2:52:56 8 12:00:00 8 8 12:00:00 AM AM 12:07:44 AM 12:07:44 AM 12:00:00 12:00:00 AM AM AM AM AM G uslavo D iaz 178 6/1 9/201 0.1 169 1056.6 47 496 1/3/2021 6/1 9/201 6/19/201 6/1 9/201 6/19/201 5/3201 9 496 6/1M 01 13934.1 9 343.63 49.6 15 4.462758 8/31/201 9 12:00:00 9 8 2:12:51 9 9 2:12:51 12:00:00 9 8 12:00:00 AM 12:07:44 AM 12:07:44 AM AM 12:00:00 12:00:00 AM AM AM AM AM G usm vo D iaz 179 6/19/201 0.1169 1056.6 47 496 1/3/2021 6/19/201 6/19/201 6/19/201 6/19/201 5/3/2019 496 6/19/201 13934.19 343.63 49.6 15 4.462758 8B1/201 8 12:00:00 82:12:51 82:12:53 82:12:51 82:12:53 12:00:00 8 8 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ushvo D iaz 178 6/1 9/201 0.1 169 1056.6 47 496 1/3/2021 6/1 9/201 6/19/201 6/1 9/201 6/19/201 5/3n01 8 496 6/19& 01 13934.1 9 343.63 49.6 15 4.462758 8/31/201 8 12:00:00 82:12:53 8 82:12:53 8 12:00:00 12:00:00 AM AM 10:34:43 10:34:43 AM 12:00:00 12:00:00 AM PM PM AM AM G uslavo D iaz 178 6/20/201 0.1 169 1056.6 49 496 1/3/2021 6/1 9/201 6/20/201 6/1 9/201 6/20/201 5/3201 9 496 6/2001 13934.1 9 348.1 49.6 15 4.462759 8/31/201 12:00:00 9 5:29:27 9 5:29:27 12:00:00 12:00:00 AM 10:34:44 AM 10:34:43 AM AM 12:00:00 12:00:00 AM PM PM AM AM G uam vo D iaz 178 6/20/201 0.1 169 1056.6 48 496 1/3/2021 6/20/201 6/20/201 6/20/201 6/20/201 5/3/201 8 496 6/20/201 13934.1 9 348.1 49.6 15 4.462758 8131/201 12:00:00 8 5:29:27 8 5:29:29 8 5:29:27 8 5:29:29 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ushvo D laz 178 6/20n01 0.1 169 1056.6 48 496 1/3/2021 6/20/201 6/20/201 6/20/201 6/20/201 5/3n01 8 496 6/20n01 13934.1 9 348.1 49.6 15 4.462758 8/31/201 12:00:00 8 5:29:29 8 8 5:29:29 9 12:00:00 12:00:00 AM AM 11:00:00 AM 11:00:00 AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D iaz 61211201 0.1169 1056.6 49 496 1131202003) 6/20/201 3/21/2131 6/20/201 2/21/2131 $620033 496 6/21/201 13934.19 352.56 49.6 15 4.462759 9/31/201 12:90:90 AM ' 11:00:00 12:23:21 11:00:00 12:23:21 AM ' 12:00:00 12:00:00 AM PM PM PM PM AM AM G um /n D iaz 6/21/201 0.1169 1056.6 49 496 1/3/2021 6/21/201 6/21/201 6/21/201 6/21/201 5/3/2019 496 6/21/201 13934.19 352.56 49.6 15 4.462159 9/31/201 a 12:00:00 9 a a 9 12:00:00 a a 12:00:00 AM 12:23:21 12:23:23 12:23:21 12:23:23 AM 12:00:00 12:00:00 AM PM PM PM PM AM AM G ustavo D iaz 6/21/201 0.1169 1056.6 49 496 1/3/2021 6/21/201 6/22/201 6/21/201 6/22/201 5/3/2019 496 6/21/201 13934.19 352.56 49.6 15 4.462156 9/31/201 9 12:00:00 9 9 1:31:59 9 9 1:31:59 12:00:00 9 9 12:00:00 AM 12:23:23 AM 12:23:23 AM AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D iaz 6/22/201 0.1169 1056.6 50 496 1/3/2021 6/22/201 6/22/201 6/22/201 6/22/201 5/3/2019 496 6/22/201 13934.19 357.02 49.6 15 4.462759 9/31/201 9 12:00:00 91:31:59 93:36:37 91:31:59 93:36:37 12:00:00 9 9 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 6/22/201 0.1169 1056.6 5o 496 113/2021 6/22/201 6/22/201 6/22/201 6/22/201 5/3/2019 496 6/22/201 13934.19 357.02 49.6 15 4.462759 9/31/201 9 12:00:00 93:36:37 93:36:39 93:36:37 93:36:39 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 6/22/201 0.1169 1056.6 5o 496 1/3/2021 6/22/201 6/22/201 6/22/201 6/22/201 5/3/2019 496 6/22/201 13934.19 35.02 49.6 15 4.462759 9/31/201 12:00:00 93:36:39 9 93:36:39 9 12:00:00 12:00:00 AM AM 10:24:31 AM 10:24:31 AM 12:00:00 12:00:00 AM PM PM AM AM G usm vo D iaz 6/23/201 0.1169 1056.6 51 496 15362333 6/22/201 3/23/201 6/22/201 3/23/201 5936200319} 496 6/23/201 13934.19 361.49 49.6 15 4.462759 9r31/201 12:00:00 AM ' 10:24:31 12:27:05 10:24:31 12:27:05 AM ' 12:00:00 12:00:00 AM PM AM PM AM AM AM G ustavo D iaz 6/23/201 0.1169 1056.6 51 496 13362333 6/23/201 3/23/201 6/23/201 3/23/201 5/23/3003: 496 6/23/201 13934.19 361.49 49.6 15 4.462759 9/31/201 12:00:00 AM ' 12:27:05 12:27:06 12:27:05 12:27:06 AM ' 12:00:00 12:00:00 AM AM AM AM AM AM AM G ustavo D iaz 6/23/201 0.1169 1056.6 51 496 143/1233; 6/23/201 2/23/201 6/23/201 2/23/201 $35,033 496 6/23/201 13934.19 361.49 49.6 15 4.462759 9/31/201 12:00:00 AM ' 12:27:06 11:21:46 12:27:06 11:21:46 AM ' 12:00:00 12:00:00 AM AM PM AM PM AM AM G usm vo D iaz 6/24/201 0.1169 1056.6 52 496 1/3/2021 6/23/201 6/24/201 6/23/201 6/24/201 5/3/2019 496 6/24/201 13934.19 365.95 49.6 15 4.462759 991/201 9 12:00:00 9 1:57:17 9 1:57:17 12:00:00 12:00:00 AM 11:21 :46 AM 11:21 :46 AM AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D iaz 61241201 0.1169 1056.6 52 496 113/2021 61241201 61241201 61241201 61241201 51312019 496 61241201 13934.19 365.95 49.6 15 4.462759 91311201 9 12:00:00 91:57:17 91:57:19 91:57:17 91:57:19 12:00:00 3 9 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 61241201 0.1169 1056.6 52 496 113/2021 61241201 61241201 61241201 61241201 59/2016 496 61241201 13934.19 365.95 49.6 15 4.462759 91311201 9 12:00:00 91:57:19 9 91:57:19 9 12:00:00 9 9 12:00:00 AM AM 10:40:34 AM 10:40:34 AM 12:00:00 12:00:00 AM PM PM AM AM G usm vo D iaz 61251201 0.1169 1056.6 53 496 113/2021 61241201 6/24/201 61241201 6124/201 513/2019 496 61251201 13934.19 370.41 49.6 15 4.462759 91311201 9 12:00:00 9 9 9 9 12:00:00 9 9 12:00:00 AM 10:40:34 11:22:36 10:40:34 11:22:36 AM 12:00:00 12:00:00 AM PM PM PM PM AM AM G ustavo D iaz 61251201 0.1169 1056.6 53 496 112362833 61241201 31241201 61241201 31241201 5123620033 496 61251201 13934.19 370.41 49.6 15 4.462759 91311201 12:00:00 AM ' 11:22:36 11:22:39 11:22:36 11:22:39 AM ' 12:00:00 12:00:00 AM PM PM PM PM AM AM G ustavo D iaz 61251201 0.1169 1056.6 53 496 113/2021 61241201 61251201 61241201 61251201 59/2019 496 61251201 13934.19 370.41 49.6 15 4.462759 91311201 12:00:00 9 9:57:19 9 9:57:19 12:00:00 12:00:00 AM 11:22:39 PM 11:22:39 PM AM 12:00:00 12:00:00 AM PM PM AM AM G usm vo D iaz 61261201 0.1169 1056.6 54 496 113/2021 61251201 61261201 61251201 61261201 513/2019 496 61261201 13934.19 374.97 49.6 15 4.462759 91311201 12:00:00 99:57:19 92:29:47 99:57:19 92:29:47 12:00:00 12:00:00 AM PM AM PM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D laz 91261201 0.1169 1056.6 54 496 113/2021 61261201 61261201 61261201 61261201 513/2019 496 61261201 13934.19 374.97 49.6 15 4.462759 91311201 12:00:00 92:29:47 92:29:49 92:29:47 92:29:49 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 61261201 0.1169 1056.6 54 496 113/2021 61261201 61261201 61261201 61261201 59/2019 496 61261201 13934.19 374.97 49.6 15 4.462759 91311201 12:00:00 92:29:49 9 92:29:49 9 12:00:00 12:00:00 AM AM 10:25:19 AM 10:25:19 AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D iaz 61271201 0.1169 1056.6 55 496 113/2021 61261201 61271201 61261201 61271201 513/2019 496 61271201 13934.19 379.34 49.6 15 4.462759 91311201 9 12:00:00 9 9 2:07:21 9 9 2:07:21 12:00:00 9 9 12:00:00 AM 10:25:19 AM 10:25:19 AM AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D iaz 91271201 0.1169 1056.6 55 496 113/2021 61271201 61271201 61271201 61271201 51312019 496 61271201 13934.19 379.34 49.6 15 4.462759 91311201 9 12:00:00 92:07:21 92:07:22 92:07:21 92:07:22 12:00:00 9 9 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 61271201 0.1169 1056.6 55 496 113/2021 61271201 61271201 61271201 61271201 513/2019 496 61271201 13934.19 379.34 49.6 15 4.462759 91311201 9 12:00:00 92:07:23 9 92:07:22 9 12:00:00 9 9 12:00:00 AM AM 11:23:54 AM 11:23:54 AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D iaz 31291201 0.1169 1056.6 56 496 1123102333 31271201 31291201 31271201 31291201 5123620033 496 61291201 13934.19 393.9 49.6 15 4.462759 91311201 12:00:00 AM ' 11:23:54 12:13:33 11:23:54 12:13:33 AM ' 12:00:00 12:00:00 AM PM AM PM AM AM AM G ustavo D iaz 61291201 0.1169 1056.6 56 496 1123112833 61291201 21291201 61291201 21291201 $35,033 496 61291201 13934.19 393.9 49.6 15 4.462759 91311201 12:00:00 AM ' 12:13:33 12:13:35 12:13:33 12:13:35 AM ' 12:00:00 12:00:00 AM AM AM AM AM AM AM G usm vo D iaz 61291201 0.1169 1056.6 56 496 112362333 61291201 31291201 61291201 31291201 59.11.2333 496 61261201 13934.19 393.9 49.6 15 4.462759 91311201 12:00:00 AM ' 12:13:35 11:41:01 12:13:35 11:41:01 AM ' 12:00:00 12:00:00 AM AM PM AM PM AM AM G ustavo D iaz 61291201 0.1169 1056.6 57 496 11312021 61291201 61291201 61291201 61291201 51312019 496 61291201 13934.19 399.26 49.6 15 4.462759 91311201 12:00:00 95:11:17 95:11:17 12:00:00 12:00:00 AM 11:41 :01 AM 11:41 :01 AM AM 12:00:00 12:00:00 AM PM PM AM AM G ushvo D iaz 178 6/29/201 0.1 169 1056.6 57 496 1/3/2021 6/29/201 6M 1 6/29/201 6M 1 5BRD 1 8 496 6/29I201 13934.1 9 388.26 49.6 15 4.462758 8/31/201 12:00:00 85:11:17 85:11:19 85:11:17 85:11:19 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ushvn D iaz 178 6/29R01 0.1 169 1056.6 57 496 1/3/2021 6/29/201 6/30/201 6/29/201 6/30/201 5’3I201 B 496 6/29/201 13934.1 9 388.26 49.6 15 4.462758 8/31/201 E 12:00:00 85:11:19 8 85:11:19 8 12:00:00 E 8 12:00:00 AM AM 12:12:24 AM 12:12:24 AM 12:00:00 12:00:00 AM AM AM AM AM G uslavo D iaz 178 6/30f201 0.1 169 1056.6 59 496 1/3/2021 G EO /201 6/30/201 G EO /201 Slab/201 5/3201 8 496 6/3001 13934.1 9 392.72 49.6 15 4.462759 9/31/201 B 12:00:00 9 9 5:04:19 9 B 5:04:19 12:00:00 9 9 12:00:00 AM 12:12:24 AM 12:12:24 AM AM 12:00:00 12:00:00 AM AM AM AM AM G usm vo D iaz 178 6/30/201 0.1 169 1056.6 58 496 1/3/2021 6/30/201 6/30/201 6/30/201 6/30/201 5/3/201 8 496 6/30/201 13934.1 9 392.72 49.6 15 4.462759 8B1/201 8 12:00:00 8 5:04:19 8 5:04:22 8 5:04:19 8 5:04:22 12:00:00 8 8 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ushvo D iaz 178 6130201 0.1 169 1056.6 59 496 1/3/2021 6/30/201 61301201 6/30/201 61301201 513nm 8 496 6130m m 13934.1 9 392.72 49.6 15 4.462759 91311201 8 12:00:00 9 5:04:22 8 9 5:04:22 8 12:00:00 12:00:00 AM AM 11:31 :26 AM 11:31 :26 AM 12:00:00 12:00:00 AM PM PM AM AM G uslavo D iaz 178 7/1/2018 0.1169 1056.6 59 496 1/3/2021 61301201 7/1/2018 61301201 7/1/2018 513018 496 7/1/2018 13934.19 397.19 49.6 15 4.462759 9/31/201 12:00:00 12:00:00 5:42:45 5:42:45 12:00:00 12:00:00 AM AM 11:31 :26 11:31 :26 AM AM 12:00:00 PM PM AM G usm vo D iaz 178 7/1/2018 0.1169 1056.6 59 496 1/3/2021 7/1/2018 7/1/2018 711/2018 711/2018 513/2018 496 711/2018 13934.19 397.19 49.6 15 4.462759 8/31/201 12:00:00 12:00:00 5:42:46 5:42:47 5:42:45 5:42:47 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 AM G ushvo D laz 178 71112019 0.1169 1056.6 59 496 11312021 7/1n018 712/2018 7/1018 712/2018 513E018 496 71112019 13934.19 397.19 49.6 15 4.462759 91311201 12:00:00 12:00:00 5:42:47 5:27:06 5:42:47 5:27:06 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 AM G uslavo D iaz 178 712/2018 0.1 169 1056.6 60 496 1/3/2021 712/201 9 712/201 9 712201 9 7/2/201 9 513201 9 496 71212019 13934.1 9 401 .65 49.6 15 4.462758 81311201 12:00:00 12:00:00 5:27:07 11:25:41 5:27:06 11:25:41 12:00:00 12:00:00 AM AM AM AM AM AM AM AM 12:00:00 AM G usm vu D iaz 178 71212018 0.1 169 1056.6 60 496 11312021 7121201 8 7/2/201 8 7121201 8 7/2/201 8 513/201 8 496 7/2/2018 13934.1 9 401 .65 49.6 15 4.462758 8/31/201 12:00:00 12:00:00 11:25:41 11:25:44 11:25:41 11:25:44 12:00:00 12:00:00 AM AM AM AM AM AM AM AM 12:00:00 AM G ushvo D laz 178 71212019 0.1 169 1056.6 60 496 11312021 712201 8 7121201 8 712201 8 7121201 8 513201 8 496 71212019 13934.1 9 401 .65 49.6 15 4.462759 91311201 12:00:00 12:00:00 11:25:44 10:33:36 11:25:44 10:33:36 12:00:00 12:00:00 9 AM AM AM PM AM PM AM AM 12:00:00 AM G usm vo D iaz 178 713/2018 0.1169 1056.6 61 496 11312021 7122018 713/2018 7122018 713/2018 522018 496 713/2018 13934.19 406.11 49.6 15 4.462758 81311201 12:00:00 12:00:00 10:33:36 2:07:38 10:33:36 2:07:38 12:00:00 12:00:00 8 AM AM PM AM PM AM AM AM 12:00:00 AM G usm vo D iaz 178 713/2018 0.1 169 1056.6 61 496 1/3/2021 713/201 8 713/201 8 713/201 8 7/3/201 8 513/201 8 496 713/2018 13934.1 9 406.11 49.6 15 4.462758 81311201 12:00:00 12:00:00 2:07:38 2:07:41 2:07:38 2:07:41 12:00:00 12:00:00 8 AM AM AM AM AM AM AM AM 12:00:00 AM G ushvo D laz 178 71312018 0.1 169 1056.6 61 496 11312021 713201 8 714/201 8 713201 8 714/201 8 513201 8 496 71312019 13934.1 9 406.11 49.6 15 4.462759 91311201 12:00:00 12:00:00 2:07:41 12:16:54 2:07:41 12:16:54 12:00:00 12:00:00 AM AM AM AM 12:00:00 AM G ushvo D iaz 178 714/2018 0.1 169 1552.6 62 496 1/3/2021 714201 8 7141201 8 714201 8 7141201 8 52201 8 496 71412018 13934.1 9 410.58 49.6 15 4.462758 81311201 12:00:00 12:00:00 12:16:55 6::44 12:16:54 6:B:M 12:00:00 12:00:00 AM AM AM AM AM 12:00:00 AM G usm vn D iaz 178 71412018 0.1 169 1552.6 62 496 11312021 7/4/201 8 7141201 8 7141201 8 7141201 8 5131201 8 496 71412018 13934.1 9 410.58 49.6 15 4.462758 81311201 12:00:00 12:00:00 6:23:44 6:23:47 6:23:44 6:23:47 12:00:00 12:00:00 AM AM AM AM 12:00:00 AM G ushvo D laz 178 71412018 0.1 169 1552.6 62 496 11312021 714201 8 7141201 8 714201 8 7141201 8 513201 8 496 71412019 13934.1 9 410.59 49.6 15 4.462759 91311201 12:00:00 12:00:00 6:23:47 11:22:12 6:23:47 11:22:12 12:00:00 12:00:00 AM AM AM PM AM PM AM AM 12:00:00 AM G ushvo D iaz 178 715/2018 0.1 169 1552.6 63 496 1/3/2021 714201 8 715/201 8 714201 8 715/201 8 52201 8 496 715/2018 13934.1 9 415.04 49.6 15 4.462758 821/201 12:00:00 12:00:00 11:D :12 3:39:17 11:D :12 3:39:17 12:00:00 12:00:00 AM AM PM AM PM AM AM AM 12:00:00 AM G ushvn D iaz 178 715/2018 0.1 169 1552.6 63 496 11312021 715/201 8 715/201 8 715201 8 715/201 8 513201 8 496 715/2018 13934.1 9 415.04 49.6 15 4.462758 81311201 12:00:00 12:00:00 3:39:18 3:39:21 3:39:17 3:39:21 12:00:00 12:00:00 8 AM AM AM AM AM AM AM AM law m O G uslavo D iaz 178 715/2019 0.1 169 1552.6 63 496 11312021 715201 8 716/201 8 715201 8 716/201 8 513201 8 496 71512019 13934.1 9 415.04 49.6 15 4.462759 91311201 12:00:00 12:00:00 3:39:21 12:52:59 3:39:21 12:52:59 12:00:00 12:00:00 8 AM AM AM AM AM AM AM AM 12:00:00 AM G usm vo D iaz 178 71612018 0.1 169 1552.6 64 496 11312021 716/201 8 716/201 8 716/201 8 716/201 8 52/201 8 496 716/2018 13934.1 9 419.5 49.6 15 4.462759 821/201 12:00:00 12:00:00 12:52:59 4:59:44 12:52:59 4:59:44 12:00:00 12:00:00 8 AM AM AM AM AM AM AM AM 12:00:00 AM G ushvo D iaz 178 716/2019 0.1 169 1552.6 64 496 11312021 716201 8 7161201 8 716201 8 7161201 8 513201 8 496 71612019 13934.1 9 419.5 49.6 15 4.462759 91311201 12:00:00 12:00:00 4:59:44 4:59:47 4:59:44 4:59:47 12:00:00 12:00:00 AM AM AM AM AM 12:00:00 AM G uslavo D iaz 178 71612018 0.1 169 1552.6 64 496 11312021 716201 8 7161201 8 716201 8 7161201 8 513201 8 496 71612018 13934.1 9 419.5 49.6 15 4.462759 821/201 12:00:00 12:00:00 4:59:48 11:39:33 4:59:47 11:39:33 12:00:00 12:00:00 AM AM PM PM AM AM 12:00:00 AM G uam vo D iaz 178 717/2018 0.1 169 1552.6 65 496 11312021 7161201 8 717/201 8 7161201 8 717/201 8 5131201 8 496 717/2018 13934.1 9 4.96 49.6 15 4.462759 8/31/201 12:00:00 12:00:00 11:39:33 4:54:40 11:39:33 4:54:40 12:00:00 12:00:00 AM AM AM AM 12:00:00 AM G ushvo D laz 178 71712019 0.1 169 1552.6 65 496 11312021 717201 8 717/201 8 717201 8 717/201 8 513201 8 496 71712019 13934.1 9 423.96 49.6 15 4.462759 91311201 Aoom o 3:00:00 4:54:40 2:34:43 4:54:40 1:34:43 Aoom 0 1A2hz00:00 12:00:00 AM G usm vo D iaz 178 7/7/2018 0.1 169 1552.6 65 496 1/3/2021 7/7RD 1 8 7/8/201 8 7/7R01 8 7/8/201 8 5BR!” 8 496 7/7/2018 13934.1 0 4.96 49.6 15 4.462758 8/31/201 12:00:00 12:00:00 4:54:43 12:41 :52 4:54:43 12:41 :52 12:00:00 12:00:00 AM AM AM AM AM AM AM AM 12:00:00 AM G ushvn D iaz 178 7/8/2018 0.1 169 1552.6 66 496 1/3/2021 7/3/201 E 7/8/201 E 7/3201 B 7/8/201 E 5/3201 B 496 7/8/2018 13934.1 9 428.43 49.6 15 4.462758 8/31/201 12:00:00 12:00:00 12:41:53 2:55:09 12:41:52 2:55:09 12:00:00 12:00:00 8 AM AM AM AM AM AM AM AM 1A00:00 G uslavo D iaz 178 7/8/2018 0.1 169 1552.6 66 496 1/3/2021 7/8/201 B 7/8/201 8 7/8/201 8 7/8/201 8 5/3/201 8 496 7/8/2018 13934.1 9 428.43 49.6 15 4.462758 8/31/201 12:00:00 12:00:00 2:55:09 2:55:11 2:55:09 2:55:11 12:00:00 12:00:00 8 AM AM AM AM AM AM AM AM 12:00:00 AM G usm vo D iaz 178 7/8/2018 0.1 169 1552.6 66 496 1/3/2021 7/8/201 8 7I9/201 8 7/8/201 8 7I9/201 8 5/3/201 8 496 7l8/2018 13934.1 9 428.43 49.6 15 4.462758 8/31/201 12:00:00 12:00:00 2:55:12 12:17:49 2:55:11 12:17:49 12:00:00 12:00:00 8 AM AM AM AM AM AM AM AM 12:00:00 AM G ushvo D iaz 178 719/2018 0.1 169 1552.6 67 496 1/3/2021 7/9/201 8 7l9/201 8 7/91201 8 7l9/201 8 5/3/201 8 496 7l9/2018 13934.1 9 432.89 49.6 15 4.462758 8/31/201 12:00:00 12:00:00 12:17:50 2:48:10 12:17:49 2:48:10 12:00:00 12:00:00 AM AM AM AM AM AM AM AM lm m o G uslavo D iaz 178 7/9/2018 0.1 169 1552.6 67 496 1/3/2021 7/9/201 8 7/9/201 8 7/9/201 8 7I9/201 8 5/3/201 8 496 7/9/2018 13934.1 9 432.89 49.6 15 4.462758 8/31/201 12:00:00 12:00:00 2:48:10 2:48:13 2:48:10 2:48:13 12:00:00 12:00:00 AM AM AM AM 12:00:00 AM G usm vo D iaz 178 7/9/2018 0.1 169 1552.6 67 496 1/3/2021 7/9/201 8 7/10/201 7/9/201 8 7/10/201 5/3/201 8 496 7/9/2018 13934.1 9 432.89 49.6 15 4.462758 8/31/201 12:00:00 12:00:00 2:48:13 8 1:06:40 2:48:13 8 1:06:40 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 AM G ushvo D laz 178 7l1 0:201 0.1 169 1552.6 68 496 1/3/2021 7/1 0/201 7/10/201 7/1 0/201 7/10/201 5/3/201 8 496 7I1 0:201 13934.1 9 437.35 49.6 15 4.462758 8/31/201 12:00:00 8 1:06:40 8 3:02:35 8 1:06:40 8 3:02:35 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G uslavo D iaz 178 7I10R01 0.1 169 1552.6 68 496 1/3/2021 7/1 0/201 7/10/201 7/1 0/201 7/10/201 5/3/201 8 496 7I1M 01 13934.1 9 437.35 49.6 15 4.462758 8/31/201 12:00:00 8 3:02:35 8 3:02:38 8 3:02:35 8 3:02:38 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G usm vo D iaz 178 7/1 0/201 0.1 169 1552.6 68 496 1/3/2021 7/1 0/201 7/1 1/201 7/1 0/201 7/1 1/201 5/3/201 8 496 7/1 0/201 13934.1 9 437.35 49.6 15 4.462758 8/31/201 12:00:00 8 3:02:39 8 3:02:38 12:00:00 12:00:00 AM AM 12:25:30 AM 12:25:30 AM 12:00:00 12:00:00 AM AM AM AM AM G ushvo D laz 178 7I11n01 0.1169 1552.6 69 496 1/3/2021 7/11/201 7/11/201 7/11/201 7/11/201 5/3/2018 496 7I11/201 13934.19 441.81 49.6 15 4.462758 8/31/201 8 12:00:00 8 8 8:24:51 8 8 8:24:51 12:00:00 8 8 12:00:00 AM 12:25:31 AM 12:25:30 AM AM 12:00:00 12:00:00 AM AM AM AM AM G ushvo D iaz 178 ”11201 0.1169 1552.6 69 496 1/3/2021 7/11/201 7I11I201 7I11I201 7I11I201 522018 496 7I11201 13934.19 441.81 49.6 15 4.462758 8/31/201 8 12:00:00 8 8:24:52 8 8:24:55 8 8:24:51 8 8:24:55 12:00:00 8 8 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G usm vo D iaz 178 7/11201 0.1169 1552.6 69 496 1/3/2021 7/11/201 7I11I201 7/11201 7I11I201 5/32018 496 7/11201 13934.19 441.81 49.6 15 4.462758 8/31/201 8 12:00:00 8 8:24:55 8 8 8:24:55 8 12:00:00 8 8 12:00:00 AM AM 11:46:52 AM 11:46:52 AM 12:00:00 12:00:00 AM PM PM AM AM G usm vo D laz 178 7I12201 0.1 169 1552.8 70 496 1/3/2021 7/1 1/201 7I12/201 7/1 1/201 7I12/201 5/3201 8 496 7I12/201 13934.1 9 446.28 49.6 15 4.462758 8/31/201 12:00:00 8 7:54:56 8 7:54:56 12:00:00 12:00:00 AM 11:46:52 AM 11:46:52 AM AM 12:00:00 12:00:00 AM PM PM AM AM G usuvo D iaz 178 7I12201 0.1 169 1552.6 70 496 1/3/2021 7/12/201 7/12/201 7/12/201 7/12/201 52201 8 496 7I12I201 13934.1 9 446.28 49.6 15 4.462758 8/31/201 12:00:00 8 7:54:56 8 7:55:00 8 7:54:56 8 7:55:00 12:00:00 12:00:00 AM AM AM AM 12:00:00 12:00:00 AM AM AM G usm vn D iaz 178 7/12201 0.1 169 1552.6 7O 496 1/3/2021 7/1 2/201 7I13I201 7/12/201 7I13201 5/3201 8 496 7/12201 13934.1 9 446.28 49.6 15 4.462758 8/31/201 12:00:00 8 7:55:00 8 2:29:17 8 7:55:00 8 2:29:17 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ushvo D laz 178 7I13201 0.1 169 1552.8 71 496 1/3/2021 7/1 3/201 7I13/201 7/1 3/201 7I13/201 5/3201 8 496 7I13201 13934.1 9 450.74 49.6 15 4.462758 8/31/201 12:00:00 8 2:29:18 8 9:01:48 8 2:29:17 8 9:01:48 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ushvo D iaz 178 7I13I201 0.1169 1552.6 71 496 1/3/2021 7I13201 7I13I201 7I13I201 7I13I201 522018 496 7I13201 13934.19 450.74 49.6 15 4.462758 821/201 12:00:00 8 9:01:48 8 9:01:51 8 9:01:48 8 9:01:51 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G uslavn D iaz 178 7I13201 0.1169 1552.6 71 496 1/3/2021 7/13/201 7I13I201 7I13201 7I13I201 5/32018 496 7I13201 13934.19 450.74 49.6 15 4.462758 821/201 8 12:00:00 8 9:01:51 8 8 9:01:51 8 12:00:00 8 8 12:00:00 AM AM 11:54:49 AM 11:54:49 AM 12:00:00 12:00:00 AM PM PM AM AM G uslavo D iaz 178 7I14201 0.1 169 1552.8 12 496 1/3/2021 7/1 3/201 7I14201 7/1 3/201 7I14/201 5/3201 8 496 7I14201 13934.1 9 455.2 49.6 15 4.462758 8/31/201 8 12:00:00 8 8 3:55:45 8 8 3:55:45 12:00:00 8 8 12:00:00 AM 11:54:49 AM 11:54:49 AM AM 12:00:00 12:00:00 AM PM PM AM AM G usm vo D iaz 178 7I14201 0.1 169 1552.6 72 496 1/3/2021 7/14/201 7I14201 7/14/201 7I14201 52201 8 496 7I14201 13934.1 9 455.2 49.6 15 4.462758 821/201 8 12:00:00 8 3:55:45 8 3:55:49 8 3:55:45 8 3:55:49 12:00:00 8 8 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ushvo D iaz 178 7I14201 0.1 169 1552.6 72 496 1/3/2021 7/14/201 7/14/201 7I14201 7/14/201 5/3201 8 496 7I14201 13934.1 9 455.2 49.6 15 4.462758 8/31/201 8 12:00:00 8 3:55:49 8 3:55:49 12:00:00 12:00:00 AM AM 11:10:31 AM 11:10:31 AM 12:00:00 12:00:00 AM PM PM AM AM G uslavo D iaz 178 7I15201 0.1 169 1552.6 73 496 1/3/2021 7/14/201 7/15/201 7I14201 7I15/201 5/3201 8 496 7I15201 13934.1 9 459.67 49.6 15 4.462758 8/31/201 12:00:00 8 6:56:29 8 6:56:29 12:00:00 12:00:00 AM 11:10:31 AM 11:10:31 AM AM 12:00:00 12:00:00 AM PM PM AM AM G uam vo D iaz 178 7/1 5/201 0.1 169 1552.6 73 496 1/3/2021 7/1 5/201 7/15/201 7/1 5/201 7/15/201 5/3/201 8 496 7l1 5/201 13934.1 9 459.67 49.6 15 4.462758 8/31/201 12:00:00 8 6:56:30 8 6:56:33 8 6:56:29 8 6:56:33 12:00:00 12:00:00 AM AM AM AM 12:00:00 12:00:00 AM AM AM G ushvo D laz 178 7/15201 0.1 169 1552.6 73 496 1/3/2021 7/1 5/201 7/16/201 7/1 5/201 7/16/201 5/3201 8 496 7I15201 13934.1 9 459.67 49.6 15 4.462758 8/31I201 12:00:00 8 6:56:34 8 6:56:33 12:00:00 12:00:00 AM AM 12:58:29 12:58:29 AM 12:00:00 12:00:00 AM AM AM AM AM G ustavo D iaz 11a 11161201 0.1169 1552.6 14 496 1/3/2021 71161201 7/16/201 71161201 71161201 5nr2016 496 71161201 13934.19 464.13 49.6 15 4.462759 91311201 12:00:00 a 6:47:57 9 6:47:57 12:00:00 12:00:00 AM 12:59:29 AM 12:59:29 AM AM 12:00:00 12:00:00 AM AM AM AM AM G ustavo D iaz 179 71161201 0.1169 1552.6 74 496 11312021 71161201 71161201 71161201 71161201 51312019 496 71161201 13934.19 464.13 49.6 15 4.462759 91311201 9 12:00:00 96:47:57 96:49:00 96:47:57 96:49:00 12:00:00 9 9 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 179 71161201 0.1169 1552.6 74 496 11312021 71161201 71161201 71161201 71161201 51312019 496 71161201 13934.19 464.13 49.6 15 4.462759 91311201 9 12:00:00 96:49:00 9 96:49:00 9 12:00:00 9 9 12:00:00 AM AM 11:15:59 AM 11:15:59 AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D iaz 179 71171201 0.1169 1552.6 75 496 11312021 71161201 71171201 71161201 71171201 51312019 496 71171201 13934.19 469.59 49.6 15 4.462759 91311201 9 12:00:00 9 9 3:50:47 9 9 3:50:47 12:00:00 9 9 12:00:00 AM 11:15:59 AM 11:15:59 AM AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D iaz 179 71171201 0.1169 1552.6 75 496 11312021 71171201 71171201 71171201 71171201 51312019 496 71171201 13934.19 469.59 49.6 15 4.462759 91311201 9 12:00:00 93:50:47 93:50:51 93:50:47 93:50:51 12:00:00 12:00:00 AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 179 71171201 0.1169 1552.6 75 496 11312021 71171201 71171201 71171201 71171201 51312019 496 71171201 13934.19 469.59 49.6 15 4.462759 91311201 12:00:00 9 3:50:52 9 3:50:51 12:00:00 12:00:00 AM 11:46:09 11:46:09 AM 12:00:00 12:00:00 AM PM PM AM AM G usm vo D iaz 179 71191201 0.1169 1552.6 76 496 11312021 71171201 71191201 71171201 71191201 51312019 496 71191201 13934.19 473.05 49.6 15 4.462759 91311201 12:00:00 9 5:04:26 9 5:04:26 12:00:00 12:00:00 AM 11:46:09 AM 11:46:09 AM AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D iaz 179 71191201 0.1169 1552.6 76 496 11312021 71191201 71191201 71191201 71191201 51312019 496 71191201 13934.19 473.05 49.6 15 4.462759 91311201 12:00:00 95:04:26 95:04:30 95:04:26 95:04:30 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 179 71191201 0.1169 1552.6 76 496 11312021 71191201 71191201 71191201 71191201 51312019 496 71191201 13934.19 473.05 49.6 15 4.462759 91311201 12:00:00 95:04:30 91:51:16 95:04:30 91:51:16 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G usm vo D iaz 179 71191201 0.1169 1577.4 77 496 11312021 71191201 71191201 71191201 71191201 51312019 496 71191201 13934.19 477.52 74.4 15 4.462759 91311201 9 12:00:00 91:51:17 99:23:09 91:51:16 99:23:09 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 179 71191201 0.1169 1577.4 77 496 11312021 71191201 71191201 71191201 71191201 51312019 496 71191201 13934.19 477.52 74.4 15 4.462759 91311201 9 12:00:00 99:23:09 99:23:12 99:23:09 96:23:12 12:00:00 9 9 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 179 71191201 0.1169 1577.4 77 496 11312021 71191201 71201201 71191201 71201201 5912019 496 7119r201 13934.19 477.52 74.4 15 4.462759 91311201 9 12:00:00 99:23:12 91:01:13 99:23:12 91:01:13 12:00:00 9 9 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G usm vo D iaz 179 71201201 0.1169 1577.4 79 496 11312021 71201201 71201201 71201201 71201201 51312019 496 71201201 13934.19 491.99 74.4 15 4.462759 91311201 9 12:00:00 91:01:13 9 91:01:13 9 12:00:00 9 9 12:00:00 AM AM 12:19:33 AM 12:19:33 AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D laz 179 71201201 0.1169 1577.4 79 496 112362833 71201201 31201201 71201201 31201201 5123620033 496 71201201 13934.19 461.99 74.4 15 4.462759 91311201 12:00:00 AM ' 12:19:33 12:19:37 12:19:33 12:19:37 AM ' 12:00:00 12:00:00 AM PM PM PM PM AM AM G ustavo D iaz 179 71201201 0.1169 1577.4 79 496 112362833 71201201 g1201201 71201201 Elm /201 $620033 496 71201201 13934.19 491.99 74.4 15 4.462759 91311201 12:00:00 AM ' 12:19:37 11:47:59 12:19:37 11:47:59 AM ' 12:00:00 12:00:00 AM PM PM PM PM AM AM G usm vo D iaz 179 71211201 0.1169 1577.4 79 496 11312021 71201201 71211201 71201201 71211201 51312019 496 71211201 13934.19 496.44 74.4 15 4.462759 91311201 12:00:00 9 3:44:37 9 3:44:37 12:00:00 12:00:00 AM 11:47:59 AM 11:47:59 AM AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D laz 179 71211201 0.1169 1577.4 79 496 11312021 71211201 71211201 71211201 71211201 51312019 496 71211201 13934.19 496.44 74.4 15 4.462759 91311201 12:00:00 93:44:37 93:44:42 93:44:37 93:44:42 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 179 71211201 0.1169 1577.4 79 496 11312021 71211201 71221201 71211201 71221201 592019 496 71211201 13934.19 496.44 74.4 15 4.462759 91311201 12:00:00 93:44:42 91:03:14 93:44:42 91:03:14 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 179 71221201 0.1169 1577.4 90 496 11312021 71221201 71221201 71221201 71221201 51312019 496 71221201 13934.19 490.91 74.4 15 4.462759 91311201 9 12:00:00 91:03:15 95:59:11 91:03:14 95:59:11 12:00:00 9 9 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 179 71221201 0.1169 1577.4 90 496 11312021 71221201 71221201 71221201 71221201 51312019 496 71221201 13934.19 490.91 74.4 15 4.462759 91311201 9 12:00:00 95:59:12 95:59:16 95:59:11 65:59:16 12:00:00 9 9 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 179 71221201 0.1169 1577.4 90 496 11312021 71221201 71231201 71221201 71231201 5r312019 496 71221201 13934.19 490.91 74.4 15 4.462759 91311201 9 12:00:00 95:59:16 91:22:32 95:59:16 91:22:32 12:00:00 9 9 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 179 71231201 0.1169 1577.4 91 496 11312021 71231201 71231201 71231201 71231201 51312019 496 71231201 13934.19 495.37 74.4 15 4.462759 91311201 9 12:00:00 91:22:33 99:49:05 91:22:32 99:49:05 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 179 71231201 0.1169 1577.4 91 496 11312021 71231201 71231201 71231201 71231201 51312019 496 71231201 13934.19 495.37 74.4 15 4.462759 91311201 12:00:00 99:49:05 99:49:09 99:49:05 99:49:09 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G usm vo D iaz 179 71231201 0.1169 1577.4 91 496 11312021 71231201 71231201 71231201 71231201 51312019 496 71231201 13934.19 495.37 74.4 15 4.462759 91311201 12:00:00 99:49:10 9 99:49:09 9 12:00:00 12:00:00 AM AM 11:44:16 AM 11:44:16 AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D iaz 179 71241201 0.1169 1577.4 92 496 11312021 71231201 71241201 71231201 71241201 51312019 496 71241201 13934.19 499.93 74.4 15 4.462756 61311201 12:00:00 9 6:46:09 9 6:46:09 12:00:00 12:00:00 AM 11:44:16 AM 11:44:16 AM AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D iaz 11a 71241201 0.1169 1577.4 82 496 113/2021 7/24/201 7/24/2131 7/24/201 7/24/2171 m am a 496 7/24/2131 13934.19 499.33 74.4 15 4.462759 9/31/201 12:90:90 36:46:09 96:46:13 06:46:09 96:46:13 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G um /o D iaz 179 7/24/201 0.1169 1577.4 92 496 1/3/2021 7/24/201 7/25/201 7/24/201 7/25/201 5/32019 496 7/24/201 13994.19 499.93 74.4 15 4.462759 9/31/201 9 12:00:00 96:46:13 92:00:19 96:46:13 92:00:19 12:00:00 9 9 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G usIavo D iaz 179 7/25/201 0.1169 1577.4 93 496 1/3/2021 7/25/201 7/25/201 7/25/201 7/25/201 5/3/2019 496 7/25/201 13934.19 504.29 74.4 15 4.462759 9/31/201 9 12:00:00 92:00:20 9 92:00:19 9 12:00:00 9 9 12:00:00 AM AM 10:56:02 AM 10:56:02 AM 12:00:00 12:00:00 AM AM AM AM AM G ustavo D iaz 179 7/25/201 0.1169 1577.4 93 496 1/3/2021 7/25/201 7/25/201 7/25/201 7/25/201 5/3/2019 496 7/25/201 13934.19 504.29 74.4 15 4.462759 9/31/201 9 12:00:00 9 9 9 9 12:00:00 9 9 12:00:00 AM 10:56:02 10:56:07 10:56:02 10:56:07 AM 12:00:00 12:00:00 AM AM AM AM AM AM AM G ustavo D iaz 179 gas/201 0.1169 1577.4 99 496 03/202003?) 325/201 3/26/201 7/25/201 3/26/201 553620033 496 7/25/201 13934.19 504.29 74.4 15 4.462759 9/31/201 12:00:00 AM ' 10:56:07 12:40:29 10:56:07 12:40:29 AM ' 12:00:00 12:00:00 AM AM AM AM AM AM AM G usIavo D iaz 179 7/26/201 0.1169 1577.4 94 496 1/3/2021 7/26/201 7/26/201 7/26/201 7/26/201 5/3/2019 496 7/26/201 13934.19 509.76 74.4 15 4.462759 991/201 12:00:00 9 4:49:09 9 4:49:09 12:00:00 12:00:00 AM 12:40:30 AM 12:40:29 AM AM 12:00:00 12:00:00 AM AM AM AM AM G usm vo D iaz 179 7/26/201 0.1169 1577.4 94 496 1/3/2021 7/26/201 7/26/201 7/26/201 7/26/201 5/3/2019 496 7/26/201 13934.19 509.76 74.4 15 4.462759 991/201 12:00:00 94:49:09 94:49:14 94:49:09 94:49:14 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 179 7/26/201 0.1169 1577.4 94 496 1/3/2021 7/26/201 7/27/201 7/26/201 7/27/201 5/9/2019 496 7/26/201 13934.19 509.76 74.4 15 4.462759 9/31/201 12:00:00 94:49:14 91:24:59 94:49:14 91:24:59 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G usm vo D iaz 179 7/27/201 0.1169 1577.4 95 496 1/3/2021 7/27/201 7/27/201 7/27/201 7/27/201 5/3/2019 496 7/27,201 13934.19 513.22 74.4 15 4.462759 9r91/2o1 12:00:00 9 1:24:53 9 1:24:53 12:00:00 12:00:00 AM AM 12:34:44 AM 12:34:44 AM 12:00:00 12:00:00 AM PM PM AM AM G usm vu D iaz 179 g/27/201 0.1169 1577.4 95 496 14382333 7/27/201 g/27/201 7/27/201 3/27/201 599620033 496 7/27/201 13934.19 513.22 74.4 15 4.462759 991/201 12:00:00 AM ' 12:34:44 12:34:49 12:34:44 12:34:49 AM ' 12:00:00 12:00:00 AM PM PM PM PM AM AM G ustavo D iaz 179 €27,201 0.1169 1577.4 95 496 15362333 3/27/201 3/27/201 3/27/201 3/27/201 59730033 496 3/27/1201 13994.19 513.22 74.4 15 4.462759 3/31/201 12:00:00 AM ' 12:34:49 11:43:45 12:34:49 11:43:45 AM ' 12:00:00 12:00:00 AM PM PM PM PM AM AM G ustavo D iaz 179 7/29/201 0.1169 1577.4 96 496 1/3/2021 7/27/201 7/29/201 7/27/201 7/29/201 59/2019 496 7/29/201 13934.19 517.69 74.4 15 4.462759 9r31/201 9 12:00:00 9 9 9:22:45 9 9 9:22:45 12:00:00 9 9 12:00:00 AM 11:43:45 AM 11:43:45 AM AM 12:00:00 12:00:00 AM PM PM AM AM G usm vo D iaz 179 7/29/201 0.1169 1577.4 96 496 1/3/2021 7/29/201 7/29/201 7/29/201 7/29/201 5/3/2019 496 7/29/201 13934.19 517.69 74.4 15 4.462759 9/31/201 9 12:00:00 99:22:45 99:22:50 99:22:45 99:22:50 12:00:00 9 9 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D laz 179 7/29/201 0.1169 1577.4 96 496 1/3/2021 7/29/201 7/29/201 7/29/201 7/29/201 5/3/2019 496 7/26/201 13934.19 517.69 74.4 15 4.462759 9/31/201 12:00:00 99:22:50 9 99:22:50 9 12:00:00 12:00:00 AM 12:53:51 AM 12:53:51 AM 12:00:00 12:00:00 AM AM AM AM AM G ustavo D iaz 179 7/29/201 0.1169 1577.4 97 496 14362833 7/29/201 gas/201 7/29/201 7/29/201 $620033 496 7/29/201 13934.19 522.14 74.4 15 4.462759 9r31/201 12:00:00 AM ' 12:53:51 11:54:04 12:53:51 11:54:04 AM ' 12:00:00 12:00:00 AM AM AM AM AM AM AM G usm vo D iaz 179 7/29/201 0.1169 1577.4 97 496 1562351, 7/29/201 3/29/201 7/29/201 3/29/201 $620033 496 7/29/201 13934.19 522.14 74.4 15 4.462759 9/31/201 12:00:00 AM ' 11:54:04 11:54:09 11:54:04 11:54:09 AM ' 12:00:00 12:00:00 AM AM AM AM AM AM AM G ustavo D laz 179 7/29/201 0.1169 1577.4 97 496 1/3/2021 7/29/201 7/30/201 7/29/201 7/30/201 5/3/2019 499 7/29/201 13934.19 522.14 74.4 15 4.492759 9/31/201 12:00:00 9 3:09:29 9 3:09:29 12:00:00 12:00:00 AM 11:54:09 AM 11:54:09 AM AM 12:00:00 12:00:00 AM AM AM AM AM G ustavo D iaz 179 7/30/201 0.1169 1577.4 99 496 1/3/2021 7/30/201 7/30/201 7/30/201 7/30/201 59/2019 496 7/30/201 13934.19 526.61 74.4 15 4.462759 991/201 12:00:00 93:09:29 95:49:07 93:09:29 95:49:07 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 179 790/201 0.1169 1577.4 99 496 19/2021 790/201 7/30/201 790/201 7/30/201 599019 496 790/201 13934.19 526.61 74.4 15 4.462759 991/201 9 12:00:00 95:49:07 95:49:12 95:49:07 95:49:12 12:00:00 9 9 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 179 790/201 0.1169 1577.4 99 496 19/2021 790/201 7/30/201 790/201 7/30/201 5/3/2019 496 790/201 13934.19 526.61 74.4 15 4.462759 991/201 9 12:00:00 95:49:13 9 95:49:12 9 12:00:00 9 9 12:00:00 AM AM 11:56:29 AM 11:56:26 AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D iaz 179 791/201 0.1169 1577.4 99 496 19/2021 790/201 791/201 790/201 791/201 59/2019 496 791/201 13934.19 531.07 74.4 15 4.462759 991/201 9 12:00:00 9 9 4:52:06 9 9 4:52:06 12:00:00 9 9 12:00:00 AM 11:56:26 AM 11:56:26 AM AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D iaz 179 791/201 0.1169 1577.4 99 496 19/2021 791/201 7911201 791/201 7911201 5912019 496 7911201 13934.19 531.07 74.4 15 4.462759 9911201 9 12:00:00 94:52:06 94:52:12 94:52:06 94:52:12 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 179 71311201 0.1169 1577.4 99 499 113/2021 7911201 9/112019 7911201 91112019 5912019 496 7911201 13934.19 531.07 74.4 15 4.462759 991/201 12:00:00 94:52:12 12:26:22 94:52:12 12:26:22 12:00:00 12:00:00 AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G usm vo D iaz 179 911/2019 0.1169 1577.4 90 496 1912021 91112019 91112019 91112019 9/112019 5912019 496 911/2019 13934.19 535.53 74.4 15 4.462759 9911201 12:00:00 12:00:00 12:26:22 9:32:06 12:26:22 9:32:06 12:00:00 12:00:00 AM AM AM AM 12:00:00 AM G ustavo D iaz 179 91112019 0.1169 1577.4 90 496 11312021 91112019 91112019 91112019 91112019 5912019 496 91112019 13934.19 535.53 74.4 15 4.462759 9911201 12:00:00 12:00:00 9:32:07 9: :11 9:32:06 9:32:11 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 AM G usuvo D iaz 118 8/1/2018 0.1169 1577.4 BO 496 1/3/2021 8/1RD 18 8/1/2018 8/1R018 8/1/2018 SER018 496 8/1/2018 13934.18 535.53 74.4 15 4.462758 8/31/201 12:00:00 12:00:00 9:32:11 11:59:32 9:32:11 11:59:32 12:00:00 12:00:00 AM AM AM PM AM AM AM 12:00:00 AM G ushvn D iaz 178 8/2/2018 0.1 169 1577.4 91 496 1/3/2021 8/1/201 E 8/2/201 8 8/1R01 E BIZ/201 8 5BR01 E 496 8/2/2018 13934.1 9 540 74.4 15 4.462758 8/31/201 12:00:00 12:00:00 11:59:32 5:42:03 11:59:32 5:42:03 12:00:00 12:00:00 8 AM AM PM AM PM AM AM 12:00:00 AM G uslavo D iaz 178 8/2/2018 0.1 169 1577.4 91 496 1/3/2021 8/2/201 8 8/2/201 8 8/2/201 8 8/2/201 8 5/3/201 8 496 8/2/2018 13934.1 9 540 74.4 15 4.462756 8/31/201 12:00:00 12:00:00 5:42:04 5:42:08 5:42:03 5:42:08 12:00:00 12:00:00 8 AM AM AM AM AM AM AM AM 12:00:00 AM G usm vo D iaz 178 8/2/2018 0.1 169 1577.4 81 486 1/3/2021 8/2/201 8 8/3/201 8 8/2/201 8 8/3/201 8 5/3/201 8 486 8/2/2018 13934.1 9 540 74.4 15 4.462758 831/201 12:00:00 12:00:00 5:42:09 12:15:03 5:42:08 12:15:03 12:00:00 12:00:00 8 AM AM AM AM AM AM AM 12:00:00 AM G usm vo D iaz 178 813/2018 0.1 169 1577.4 92 496 1/3/2021 8/3/201 8 813/201 8 8l3n01 8 813/201 8 5/3n01 8 496 813/2018 13934.1 9 544.46 74.4 15 4.462758 81311201 12:00:00 12:00:00 12:15:03 8:13:45 12:15:03 8:13:45 12:00:00 12:00:00 AM AM AM AM AM AM AM 12:00:00 AM G uslavo D iaz 178 813/2018 0.1 169 1577.4 92 496 113/2021 8/3/201 8 813/201 8 8/3/201 8 813/201 8 513/201 8 496 813/2018 13934.1 9 544.46 74.4 15 4.462758 8/31/201 12:00:00 12:00:00 8:13:45 8:13:52 8:13:45 8:13:52 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 AM G usm vo D iaz 178 813/2018 0.1 169 1577.4 82 496 113/2021 813/201 8 813/201 8 813/201 8 01 513/201 8 496 813/2018 13934.1 9 544.46 74.4 15 4.462758 81311201 12:00:00 12:00:00 8:13:52 11:28:52 8:13:52 11:28:52 12:00:00 12:00:00 AM AM PM AM AM 12:00:00 AM G ushvo D laz 178 81412018 0.1 169 2073.4 93 496 11312021 8131201 8 8141201 8 8/301 8 8141201 8 5/301 8 496 81412018 13934.1 9 548.92 74.4 15 4.462758 81311201 12:00:00 12:00:00 11:28:52 7:24:31 11:28:52 7:24:31 12:00:00 12:00:00 AM AM PM AM AM AM 12:00:00 AM G uslnvo D iaz 178 81412018 0.1 169 2073.4 93 496 11312021 8141201 8 8141201 8 8141201 8 8141201 8 513/201 8 496 81412018 13934.1 9 548.92 74.4 15 4.462758 81311201 12:00:00 12:00:00 7:24:31 7:24:35 7:24:31 7:24:35 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 AM G usm vu D iaz 178 81412018 0.1 169 2073.4 93 496 11312021 8141201 8 8141201 8 8141201 8 8141201 8 5131201 8 496 81412018 13934.1 9 548.92 74.4 15 4.462758 81311201 12:00:00 12:00:00 7:24:35 11:20:50 7:24:35 11:20:50 12:00:00 12:00:00 AM AM AM PM AM AM 12:00:00 AM G ushvo D laz 178 81512018 0.1 169 2073.4 94 496 11312021 8141201 8 8151201 8 8/401 8 8151201 8 5/301 8 496 81512018 13934.1 9 553.38 74.4 15 4.462758 81311201 12:00:00 12:00:00 11:20:51 7:52:30 11:20:50 7:52:30 12:00:00 12:00:00 8 AM AM PM AM PM AM AM AM 12:00:00 AM G usm vo D iaz 178 81512018 0.1 169 2073.4 94 496 11312021 8151201 8 8/5/201 8 8/5R01 8 8/5/201 8 5n/201 8 496 81512018 13934.1 9 553.38 74.4 15 4.462758 81311201 12:00:00 12:00:00 7:52:30 7:52:35 7:52:30 7:52:35 12:00:00 12:00:00 8 AM AM AM AM AM AM AM AM 12:00:00 AM G usm vo D iaz 178 81512018 0.1 169 2073.4 94 496 11312021 8151201 8 816/201 8 8151201 8 816/201 8 5131201 8 496 81512018 13934.1 9 553.38 74.4 15 4.462758 81311201 12:00:00 12:00:00 7:52:35 11:01:28 7:52:35 11:01:28 12:00:00 12:00:00 B AM AM AM AM AM AM AM 12:00:00 AM G usm vo D laz 178 816/2018 0.1 169 2073.4 95 496 11312021 8161201 8 816/201 8 816R01 8 816/201 8 5/3R01 8 498 81612018 13934.1 9 557.85 74.4 15 4.462758 81311201 12:00:00 12:00:00 11:01 :28 7:21 :49 11:01 :28 7:21 :49 12:00:00 12:00:00 AM AM AM PM AM PM AM AM 12:00:00 AM G usm vo D iaz 178 81612018 0.1 169 2073.4 95 496 11312021 8161201 8 8161201 8 8/6R01 8 8161201 8 55201 8 486 81612018 13934.1 9 557.85 74.4 15 4.462758 81311201 12:00:00 12:00:00 7:21:49 7:21 :54 7:21:49 7:21 :54 12:00:00 12:00:00 AM AM PM PM AM AM 12:00:00 AM G usm vn D iaz 178 81612018 0.1 169 2073.4 95 496 1/3/2021 8161201 8 817/201 8 8161201 8 817/201 8 513/201 8 496 81612018 13934.1 9 557.85 74.4 15 4.462758 81311201 12:00:00 12:00:00 7:21:54 2:05:43 7:21:54 2:05:43 12:00:00 12:00:00 AM AM PM AM PM AM AM AM 12:00:00 AM G usm vo D laz 178 817/2018 0.1 169 2073.4 96 496 11312021 817/201 8 817/201 8 817201 8 817/201 8 513201 8 498 817/2018 13934.1 9 562.31 74.4 15 4.462758 81311201 12:00:00 12:00:00 2:05:44 12:15:10 2:05:43 12:15:10 12:00:00 12:00:00 AM AM PM PM AM AM 12:00:00 AM G usuvo D iaz 178 817/2018 0.1 169 2073.4 86 486 11312021 817201 8 817201 8 817201 8 817201 8 52201 8 496 81712018 13934.1 8 562.31 74.4 15 4.462758 81311201 12:00:00 12:00:00 12:15:10 12:15:15 12:15:10 12:15:15 12:00:00 12:00:00 AM AM PM PM PM PM AM AM 12:00:00 AM G ushvn D iaz 178 81712018 0.1 169 2073.4 96 496 1/3/2021 8171201 8 818/201 8 817201 8 818/201 8 513201 8 496 81712018 13934.1 9 562.31 74.4 15 4.462758 81311201 12:00:00 12:00:00 12:15:15 2:53:44 12:15:15 2:53:44 12:00:00 12:00:00 8 AM AM PM AM PM AM AM AM 12:00:00 AM G uslavo D iaz 178 818/2018 0.1 169 2073.4 97 496 11312021 818201 8 8181201 8 818201 8 8181201 8 513201 8 496 81812018 13934.1 9 566.77 74.4 15 4.482758 81311201 12:00:00 12:00:00 2:53:45 6:23:29 2:53:44 6:23:29 12:00:00 12:00:00 8 AM AM AM AM AM AM AM AM 12:00:00 AM G usm vo D iaz 178 81812018 0.1 169 2073.4 87 486 11312021 818201 8 8181201 8 818201 8 8181201 8 513201 8 486 81812018 13934.1 8 566.77 74.4 15 4.462758 821/201 12:00:00 12:00:00 6:23:30 6::34 6:23:29 6:334 12:00:00 12:00:00 8 AM AM AM AM AM AM AM AM 12:00:00 AM G usm vo D iaz 178 81812018 0.1 169 2073.4 97 496 11312021 818201 8 819/201 8 818201 8 8191201 8 513201 8 496 81812018 13934.1 9 566.77 74.4 15 4.462758 81311201 12:00:00 12:00:00 6:23:35 12:40:40 6:23:34 12:40:40 12:00:00 12:00:00 AM AM AM AM AM AM AM 12:00:00 AM G uslavo D iaz 178 819/2018 0.1 169 2073.4 98 496 11312021 819201 8 8191201 8 819201 8 8/9/201 8 513201 8 496 81912018 13934.1 9 571 .23 74.4 15 4.482758 81311201 12:00:00 12:00:00 12:40:40 5:m :14 12:40:40 5:m :14 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 AM G uam vo D iaz 178 81912018 0.1 169 2073.4 88 496 11312021 819201 8 8191201 8 818201 8 8191201 8 513201 8 496 81812018 13934.1 9 571 .23 74.4 15 4.462758 8131/201 12:00:00 12:00:00 5:29:15 5:m :20 5:29:14 5:3:20 12:00:00 12:00:00 AM AM AM AM 12:00:00 AM G ushvo D laz 178 81912018 0.1 169 2073.4 98 496 11312021 819201 8 81101201 819201 8 81101201 513201 8 496 81912018 13934.1 9 571 .23 74.4 15 4.462758 81311201 Aoom o m oom o 5:29:20 8’1‘3755 5:29:20 8’1‘:37:55 13;m e Aoom o 12:00:00 AM G ustavo D iaz 11a 81101201 0.1169 2073.4 99 496 1/3/2021 31101201 81101201 01101201 81101201 5nr2018 496 81101201 13934.10 575.1 14.4 15 4.462758 81311201 12:00:00 01:31:55 8 01:31:55 8 12:00:00 12:00:00 AM 12:19:08 AM 12:19:08 AM 12:00:00 12:00:00 AM PM PM AM AM G usIavn D iaz 118 81101201 0.1169 2073.4 99 496 11312021 81101201 01101201 81101201 81101201 51012010 490 81101201 13934.19 575.7 74.4 15 4.462758 81311201 8 12:00:00 8 0 8 8 12:00:00 8 8 12:00:00 AM 12:19:09 12:19:14 12:19:00 12:19:14 AM 12:00:00 12:00:00 AM PM PM PM PM AM AM G ustavo D iaz 170 81101201 0.1169 2073.4 99 496 11312021 81101201 01101201 81101201 81101201 51312018 496 81101201 13934.19 575.7 74.4 15 4.462758 81311201 8 12:00:00 8 0 8 8 12:00:00 8 8 12:00:00 AM 12:19:14 11:36:31 12:19:14 11:36:31 AM 12:00:00 12:00:00 AM PM PM PM PM AM AM G ustavo D iaz 178 81111201 0.1169 2073.4 100 496 11312021 01101201 01111201 01101201 81111201 51312018 496 81111201 13934.19 580.16 74.4 15 4.462758 81311201 8 12:00:00 0 8 3:16:11 0 8 3:16:11 12:00:00 0 0 12:00:00 AM 11:36:31 PM 11:36:31 PM AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D iaz 178 81111201 0.1169 2073.4 100 496 11312021 81111201 81111201 81111201 81111201 51312010 496 81111201 13934.19 500.16 74.4 15 4.462758 81311201 8 12:00:00 83:16:11 83:16:16 83:16:11 83:16:16 12:00:00 12:00:00 AM PM PM PM PM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 170 01111201 0.1169 2073.4 100 496 11312021 81111201 01121201 81111201 81121201 51312018 496 81111201 13934.19 580.16 74.4 15 4.462758 81311201 12:00:00 83:16:16 83:02:42 83:16:16 83:02:42 12:00:00 12:00:00 AM PM AM PM AM AM 12:00:00 12:00:00 AM AM AM G usm vo D iaz 178 81121201 0.1169 2073.4 101 486 11312021 01121201 01121201 01121201 81121201 51312018 496 81121201 13934.19 584.62 74.4 15 4.462758 01311201 12:00:00 83:02:43 87:13:32 83:02:42 87:13:32 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 178 81121201 0.1169 2073.4 101 496 11312021 81121201 81121201 81121201 61121201 51312018 496 81121201 13934.19 584.62 74.4 15 4.462758 81311201 12:00:00 87:13:32 87:13:37 87:13:32 87:13:37 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 170 01121201 0.1169 2073.4 101 496 11312021 01121201 01131201 01121201 81131201 51312010 496 01121201 13934.19 584.62 74.4 15 4.462758 01311201 12:00:00 8 7:1 3:38 8 7:1 3:37 12:00:00 12:00:00 AM AM 12:29:30 AM 12:29:30 AM 12:00:00 12:00:00 AM AM AM AM AM G usm vo D iaz 178 81131201 0.1169 2073.4 102 496 11312021 81131201 81131201 81131201 81131201 51312018 496 81131201 13934.19 588.09 74.4 15 4.462758 81311201 8 12:00:00 8 8:42:47 8 8:42:47 12:00:00 12:00:00 AM 12:29:30 AM 12:29:30 AM AM 12:00:00 12:00:00 AM AM AM AM AM G ustavo D iaz 178 01131201 0.1169 2073.4 102 496 11312021 81131201 81131201 81131201 81131201 51312018 496 01131201 13934.19 589.09 74.4 15 4.462758 81311201 0 12:00:00 80:42:48 86:42:53 80:42:47 86:42:53 12:00:00 0 8 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 178 81131201 0.1169 2073.4 102 496 11312021 01131201 01141201 01131201 81141201 5312018 496 01131201 13934.19 509.09 74.4 15 4.462750 01311201 8 12:00:00 00:42:54 0 00:42:53 8 12:00:00 0 0 12:00:00 AM AM 12:51:44 AM 12:51:44 AM 12:00:00 12:00:00 AM AM AM AM AM G usm vo D iaz 178 81141201 0.1169 2073.4 103 496 11312021 81141201 81141201 81141201 81141201 51312018 496 81141201 13934.19 593.55 74.4 15 4.462758 81311201 8 12:00:00 8 8 8 8 12:00:00 8 8 12:00:00 AM 12:51:45 11:31:58 12:51:44 11:31:58 AM 12:00:00 12:00:00 AM AM AM AM AM AM AM G ustavo D iaz 178 81141201 0.1169 2073.4 103 496 112362833 81141201 81141201 81141201 81141201 5123620033 496 81141201 13934.19 593.55 74.4 15 4.462758 81311201 12:00:00 AM ' 11:31:58 11:32:03 11:31:58 11:32:03 AM ' 12:00:00 12:00:00 AM AM AM AM AM AM AM G ustavo D iaz 178 81141201 0.1169 2073.4 103 496 11312021 01141201 01151201 01141201 01151201 5312018 496 81141201 13934.19 593.55 74.4 15 4.462750 01311201 12:00:00 8 1:20:36 8 1:20:36 12:00:00 12:00:00 AM 11:32:03 AM 11:32:03 AM AM 12:00:00 12:00:00 AM AM AM AM AM G usm vo D iaz 178 81151201 0.1169 2073.4 104 496 11312021 81151201 81151201 81151201 81151201 51312018 496 81151201 13934.19 598.01 74.4 15 4.462758 81311201 12:00:00 8 1:20:36 8 1:20:36 12:00:00 12:00:00 AM AM 12:29:09 AM 12:29:09 AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D laz 178 81151201 0.1169 2073.4 104 496 1123620033 81151201 31151201 81151201 31151201 51231020033 496 01151201 13934.19 598.01 74.4 15 4.462758 81311201 12:00:00 AM ' 12:29:09 12:29:14 12:29:09 12:29:14 AM ' 12:00:00 12:00:00 AM PM PM PM PM AM AM G ustavo D iaz 178 81151201 0.1169 2073.4 104 496 112362‘0gg 01151201 31161201 01151201 31161201 $620033 496 81151201 13934.19 598.01 74.4 15 4.462758 01311201 12:00:00 AM ' 12:29:14 12:36:35 12:29:14 12:36:35 AM ' 12:00:00 12:00:00 AM PM AM PM AM AM AM G ustavo D iaz 178 81161201 0.1169 2073.4 105 496 11312021 81161201 81161201 81161201 81161201 51312018 496 81161201 13934.19 602.47 74.4 15 4.462758 81311201 8 12:00:00 8 8 8 8 12:00:00 8 8 12:00:00 AM 12:36:35 12:17:23 12:36:35 12:17:23 AM 12:00:00 12:00:00 AM AM PM AM PM AM AM G ustavo D iaz 170 81161201 0.1169 2073.4 105 496 11312021 81161201 81161201 81161201 81161201 51312018 496 81161201 13934.19 602.47 74.4 15 4.462758 81311201 8 12:00:00 8 8 8 8 12:00:00 8 8 12:00:00 AM 12:17:23 12:17:28 12:17:23 12:17:28 AM 12:00:00 12:00:00 AM PM PM PM PM AM AM G ustavo D iaz 178 81161201 0.1169 2073.4 105 496 11312021 01161201 01171201 01161201 01171201 51312018 486 81161201 13934.19 602.47 74.4 15 4.462758 81311201 8 12:00:00 0 0 2:40:50 0 8 2:40:50 12:00:00 0 0 12:00:00 AM 12:17:28 AM 12:17:28 AM AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D iaz 178 81171201 0.1169 2073.4 106 496 11312021 81171201 81171201 81171201 81171201 51312016 496 81171201 13934.19 606.94 74.4 15 4.462758 81311201 8 12:00:00 82:48:58 8 82:48:56 12:00:00 12:00:00 AM AM 10:46:33 10:46:33 AM 12:00:00 12:00:00 AM AM AM AM AM G ustavo D iaz 170 01171201 0.1169 2073.4 106 496 1123112833 81171201 81171201 81171201 81171201 59313003: 496 81171201 13934.19 606.94 74.4 15 4.462758 81311201 12:00:00 AM ' 10:46:30 10:46:42 10:46:38 10:46:42 AM ' 12:00:00 12:00:00 AM AM AM AM AM AM AM G usm vo D iaz 178 81171201 0.1169 2073.4 106 486 11312021 01171201 01181201 81171201 81181201 51312018 496 81171201 13934.19 606.94 74.4 15 4.462758 81311201 12:00:00 8 3:1 1:26 8 3:1 1:26 12:00:00 12:00:00 AM 10:46:43 AM 10:46:42 AM AM 12:00:00 12:00:00 AM AM AM AM AM G ustavo D iaz 178 61161201 0.1169 2073.4 107 496 11312021 81181201 81181201 81181201 61181201 51312018 496 61161201 13934.19 611.4 74.4 15 4.462758 81311201 12:00:00 83:11:27 87:26:30 83:11:26 67:26:30 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 11a 81181201 0.1169 2073.4 107 496 1/3/2021 81181201 81181201 81181201 81181201 snrzo18 496 81181201 13934.18 611.4 14.4 15 4.462758 81311201 12:00:00 81:26:30 87:28:35 87:26:30 87:28:35 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G usm vn D iaz 178 81181201 0.1169 2073.4 107 496 11312021 81181201 81191201 81181201 81191201 5132018 496 8118m m 13934.19 611.4 74.4 15 4.462758 81311201 8 12:00:00 87:28:35 8 87:28:35 8 12:00:00 8 8 12:00:00 AM AM 12:47:03 AM 12:47:03 AM 12:00:00 12:00:00 AM AM AM AM AM G ustavo D iaz 178 81191201 0.1169 2098.2 108 498 11312021 81191201 81191201 81191201 81191201 51312018 496 81191201 13934.19 615.86 99.2 15 4.462758 81311201 8 12:00:00 8 8 8 8 12:00:00 8 8 12:00:00 AM 12:47:04 10:38:52 12:47:03 10:38:52 AM 12:00:00 12:00:00 AM AM AM AM AM AM AM G ustavo D iaz 178 81191201 0.1169 2098.2 108 498 11312021 81191201 81191201 81191201 81191201 51312018 496 81191201 13934.19 615.86 89.2 15 4.462758 81311201 8 12:00:00 8 8 8 8 12:00:00 8 8 12:90:00 AM 10:36:52 10:38:58 10:36:52 10:38:58 AM 12:00:00 12:00:00 AM AM AM AM AM AM AM G ustavo D iaz 178 81191201 0.1169 2098.2 108 498 11312021 81191201 81201201 81191201 81201201 51312018 496 81191201 13934.19 815.88 99.2 15 4.462758 81311201 8 12:00:00 8 8 8:37:48 8 8 8:37:48 12:00:00 12:00:00 AM 10:36:57 AM 10:36:56 AM AM 12:00:00 12:00:00 AM AM AM AM AM G ustavo D iaz 178 81201201 0.1169 2098.2 109 498 11312021 81201201 81201201 81201201 81201201 51312018 496 81201201 13934.19 620.33 99.2 15 4.462758 81311201 12:00:00 88:37:48 8 88:37:48 8 12:00:00 12:00:00 AM AM 12:24:59 AM 12:24:59 AM 12:00:00 12:00:00 AM PM PM AM AM G usm vo D iaz 178 81201201 0.1169 2098.2 109 498 112362333 21201201 31201201 81201201 31201201 593620033 496 81201201 13934.19 620.33 99.2 15 4.462758 81311201 12:00:00 AM ' 12:24:59 12:25:05 12:24:59 12:25:05 AM ' 12:00:00 12:00:00 AM PM PM PM PM AM AM G ustavo D iaz 178 81201201 0.1169 2098.2 109 498 11312021 81201201 81211201 81201201 81211201 51312018 496 81201201 13934.19 820.33 99.2 15 4.462758 81311201 12:00:00 8 5:15:09 8 5:15:09 12:00:00 12:00:00 AM 12:25:05 AM 12:25:05 AM AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D iaz 178 81211201 0.1169 2098.2 110 498 11312021 81211201 81211201 81211201 81211201 51312018 496 81211201 13934.19 624.79 99.2 15 4.462758 81311201 12:00:00 85:15:09 85:39:18 85:15:09 85:39:18 12:00:00 12:00:00 AM AM PM AM PM AM 12:00:00 12:00:00 AM AM AM G usm vo D iaz 178 81211201 0.1169 2098.2 110 498 11312021 81211201 81211201 81211201 81211201 51312018 496 81211201 13934.19 624.79 99.2 15 4.462758 81311201 8 12:00:00 85:39:18 85:39:24 85:39:18 85:39:24 12:00:00 12:00:00 AM PM PM PM PM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 178 81211201 0.1169 2098.2 110 498 11312021 81211201 81221201 81211201 81221201 51312018 496 81211201 13934.19 824.79 99.2 15 4.462758 81311201 8 12:00:00 85:39:24 82:59:20 85:39:24 82:59:20 12:00:00 8 8 12:00:00 AM PM AM PM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 178 8122r201 0.1169 2098.2 111 498 11312021 81221201 81221201 81221201 81221201 5312018 496 81221201 13934.19 629.25 99.2 15 4.462758 81311201 8 12:00:00 82:59:20 81:37:01 82:59:20 81:37:01 12:00:00 8 8 12:00:00 AM AM PM AM PM AM 12:00:00 12:00:00 AM AM AM G usm vo D iaz 178 81221201 0.1169 2098.2 111 498 11312021 8221201 81221201 81221201 81221201 51312018 496 81221201 13934.19 829.25 99.2 15 4.462758 81311201 8 12:00:00 81:37:01 81:37:06 81:37:01 81:37:06 12:00:00 8 8 12:00:00 AM PM PM PM PM AM 12:00:00 12:00:00 AM AM AM G ustavo D laz 178 81221201 0.1169 2098.2 111 498 11312021 81221201 81231201 81221201 81231201 51312018 496 81221201 13934.19 829.25 99.2 15 4.462758 81311201 12:00:00 81:37:08 81:08:40 81:37:08 81:08:40 12:00:00 12:00:00 AM PM AM PM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 178 8123r201 0.1169 2098.2 112 498 11312021 81231201 81231201 81231201 81231201 5312018 496 81231201 13934.19 633.71 99.2 15 4.462758 81311201 12:00:00 81:08:41 81:40:44 81:08:40 81:40:44 12:00:00 12:00:00 AM AM PM AM PM AM 12:00:00 12:00:00 AM AM AM G usm vo D iaz 178 81231201 0.1169 2098.2 112 498 11312021 81231201 81231201 81231201 81231201 51312018 496 8123m m 13934.19 833.71 99.2 15 4.462758 81311201 12:00:00 81:40:44 81:40:49 81:40:44 81:40:49 12:00:00 12:00:00 AM PM PM PM AM 12:00:00 12:00:00 AM AM AM G ustavo D laz 178 81231201 0.1169 2098.2 112 498 11312021 81231201 81241201 81231201 81241201 51312018 496 81231201 13934.19 833.71 99.2 15 4.462758 81311201 12:00:00 81:40:50 81:40:42 81:40:49 81:40:42 12:00:00 12:00:00 AM PM AM PM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 178 81241201 0.1169 2098.2 113 498 11312021 81241201 81241201 81241201 81241201 5312018 496 81241201 13934.19 638.18 99.2 15 4.462758 8311201 12:00:00 81:40:42 88:38:04 81:40:42 88:38:04 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 178 81241201 0.1169 2098.2 113 498 11312021 81241201 81241201 81241201 81241201 5133018 496 8124301 13934.19 838.18 99.2 15 4.462758 81311201 8 12:00:00 88:38:05 88:38:11 88:38:04 88:38:11 12:00:00 8 8 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 178 81241201 0.1169 2098.2 113 498 11312021 81241201 81251201 81241201 81251201 5312018 496 81241201 13934.19 838.18 99.2 15 4.462758 8311201 8 12:00:00 88:38:11 81:18:31 88:38:11 81:18:31 12:00:00 8 8 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 178 81251201 0.1169 2098.2 114 498 1312021 81251201 81251201 81251201 81251201 5312018 496 81251201 13934.19 642.84 89.2 15 4.462758 8311201 8 12:00:00 81:16:31 88:55:03 81:16:31 88:55:03 12:00:00 8 8 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 178 81251201 0.1169 2098.2 114 498 11312021 81251201 81251201 81251201 81251201 51312018 496 81251201 13934.19 842.84 99.2 15 4.462758 81311201 8 12:00:00 88:55:04 88:55:10 88:55:03 88:55:10 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 178 81251201 0.1169 2098.2 114 498 11312021 81251201 81261201 81251201 81261201 5312018 496 81251201 13934.19 642.84 99.2 15 4.462758 8311201 12:00:00 88:55:11 81:48:58 88:55:10 81:48:58 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G usm vo D iaz 178 81281201 0.1169 2098.2 115 498 1312021 81281201 81261201 81281201 81261201 5312018 496 81281201 13934.19 647.1 99.2 15 4.462758 81311201 12:00:00 81:47:00 88:54:36 81:46:58 88:54:36 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 178 81281201 0.1169 2098.2 115 498 11312021 81281201 81261201 81281201 81261201 51312018 496 81281201 13934.19 847.1 99.2 15 4.462758 81311201 12:00:00 88:54:37 88:54:43 88:54:38 88:54:43 12:00:00 12:00:00 AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 11a 81261201 0.1169 2098.2 115 496 1/3/2021 3/26/201 8/27/2131 8/26/201 8/27/2131 5nr201e 496 6/26/201 13934.19 647.1 99.2 15 4.462759 9/31/201 12:90:90 39:54: 92:33:33 99:54:43 92:33:33 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 179 9/27/201 0.1169 2099.2 11s 496 1/9/2021 9/27/201 9/27/201 9/27/201 9/27/201 5/32019 496 9/27/201 13934.19 651.56 99.2 15 4.462759 9/31/201 9 12:00:00 92:93:34 92:19:17 92:33:33 92:19:17 12:00:00 9 9 12:00:00 AM AM PM AM PM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 179 9/27/201 0.1169 2099.2 116 496 1/3/2021 9/27/201 9/27/201 9/27/201 9/27/201 5/3/2019 496 9/27/201 13934.19 951.56 99.2 15 4.462759 9/31/201 9 12:00:00 92:19:17 92:19:23 92:19:17 92:19:23 12:00:00 9 9 12:00:00 AM PM PM PM PM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 179 9/27/201 0.1169 2099.2 116 496 1/3/2021 9/27/201 9/29/201 9/27/201 9/29/201 5/3/2019 496 9/27/201 13934.19 651.56 99.2 15 4.462759 9/31/201 9 12:00:00 92:19:23 93:11:44 92:19:23 93:11:44 12:00:00 9 9 12:00:00 AM PM AM PM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 179 9/29/201 0.1169 2099.2 117 496 113/2021 9/29/201 9/29/201 9/29/201 9/29/201 5/3/2019 496 9/29/201 13934.19 656.03 99.2 15 4.462759 9/31/201 B 12:00:00 8 3:1 1:44 8 6:01:34 8 3:1 1:44 8 6:01:34 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 179 9/29/201 0.1169 2099.2 117 496 1/3/2021 9/29/201 9/29/201 9/29/201 9/29/201 5/3/2019 496 9/29/201 13934.19 656.03 99.2 15 4.462759 9/31/201 12:00:00 8 6:01:34 a 6:01:41 a 6:01:34 B 6:01:41 12:00:00 12:00:00 AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G usm vo D iaz 179 9/29/201 0.1169 2099.2 117 496 1/3/2021 9/29/201 9/29/201 9/29/201 9/29/201 5/3/2019 496 9/29/201 13934.19 656.03 99.2 15 4.462759 9/31/201 12:00:00 96:01:41 92:03:50 96:01:41 92:03:50 12:00:00 12:00:00 AM AM AM AM AM AM 12:00:00 12:00:00 AM AM AM G ustavo D laz 179 9/29/201 0.1169 2099.2 119 496 1/3/2021 9/29/201 9/29/201 9/29/201 9/29/201 5/3/2019 496 9/29/201 13934.19 660.49 99.2 15 4.462759 9/31/201 12:00:00 92:03:50 9 92:03:50 9 12:00:00 12:00:00 AM 12:29:30 12:29:30 AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D iaz 179 9/29/201 0.1169 2099.2 119 496 143/1283; 9/29/201 Elm /201 9/29/201 Elm /201 59350033 496 9/29/201 13934.19 660.49 99.2 15 4.462759 9/31/201 12:00:00 AM ' 12:29:30 12:29:37 12:29:30 12:29:37 AM ' 12:00:00 12:00:00 AM PM PM PM PM AM AM G usm vo D iaz 179 9/29/201 0.1169 2099.2 119 496 1/3/2021 9/29/201 9/30/201 9/29/201 9/30/201 5/3/2019 496 9/29/201 13934.19 660.49 99.2 15 4.462759 9/31/201 9 12:00:00 9 2:30:31 9 2:30:31 12:00:00 12:00:00 AM 12:29:37 AM 12:29:37 AM AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D laz 179 9/30/201 0.1169 2099.2 119 496 1/3/2021 9/30/201 9/30/201 9/30/201 9/30/201 5/3/2019 496 9/30/201 13934.19 664.95 99.2 15 4.462759 9/31/201 9 12:00:00 92:30:31 9 92:30:31 9 12:00:00 9 9 12:00:00 AM AM 12:14:07 AM 12:14:07 AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D iaz 179 3/30/201 0.1169 2099.2 119 496 14382833 3/30/201 3/30/201 3/30/201 3/30/201 $50033 496 3/30/201 13934.19 664.95 99.2 15 4.462759 Slat/201 12:00:00 AM ' 12:14:07 12:14:12 12:14:07 12:14:12 AM ' 12:00:00 12:00:00 AM PM PM PM PM AM AM G usm vo D iaz 179 9/30/201 0.1169 2099.2 119 496 1/3/2021 9/30/201 9/31/201 9/30/201 9/31/201 5/3/2019 496 9/30/201 13934.19 664.95 99.2 15 4.462759 9/31/201 9 12:00:00 9 9 3:49:11 9 9 3:49:11 12:00:00 9 9 12:00:00 AM 12:14:13 AM 12:14:12 AM AM 12:00:00 12:00:00 AM PM PM AM AM G ustavo D laz 179 9/31/201 0.1169 2099.2 120 496 1/3/2021 9/31/201 9/31/201 9/31/201 9/31/201 5/3/2019 496 9/31/201 13934.19 669.42 99.2 15 4.462759 9/31/201 12:00:00 93:49:12 92:21:42 93:49:11 92:21:42 12:00:00 12:00:00 AM AM PM AM PM AM 12:00:00 12:00:00 AM AM AM G ustavo D iaz 179 9/31/201 0.1169 2099.2 120 496 1/3/2021 9/31/201 9/31/201 9/31/201 9/31/201 59/2019 496 9/31/201 13934.19 669.42 99.2 15 4.462759 9/31/201 12:00:00 92:21:42 92:21:49 92:21:42 92:21:49 12:00:00 12:00:00 AM PM PM PM PM AM 12:00:00 12:00:00 AM AM AM G usavo D iaz 179 9/31/201 0.1169 2099.2 120 496 1/3/2021 9/31/201 9/31/201 9/31/201 9/31/201 5/3/2019 496 9/31/201 13934.19 669.42 99.2 15 4.462759 9/31/201 12:00:00 92:21:49 97:22:11 92:21:49 97:22:11 12:00:00 12:00:00 AM PM PM PM PM AM 12:00:00 12:00:00 AM AM AM G ustavo D laz 179 9/31/201 0.1169 2099.2 120 496 1/3/2021 9/31/201 9/31/201 9/31/201 9/31/201 5/3/2019 496 9/31/201 13934.19 673.99 99.2 15 4.462759 9/31/201 12:00:00 97:22:11 97:22:32 97:22:11 97:22:32 12:00:00 12:00:00 AM PM PM PM PM AM 12:00:00 12:00:00 AM AM AM G usm vo D iaz 179 9/31/201 0.1169 14722.27 120 496 1/3/2021 9/31/201 9/1/2019 9/31/201 9/1/2019 59/2019 224.07 9/31/201 13934.19 673.99 99.2 15 4.462759 9/31/201 12:00:00 8 7:22:33 1:56:02 8 7:22:32 1:56:02 12:00:00 12:00:00 AM PM AM PM AM AM 12:00:00 12:00:00 AM AM AM \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO Christopher D. Mandarich SB 220693 Ajay Sood SB325294 Electronically Hayk Stambultsyan SB320973 Martin Weingarten SB 201906 try Superior [nun Inf Callfnrnla. Emmy {If San Maren MANDARICH LAW GROUP, LLP fl“ 1 1/01/2021 Po. Box 109032 Chicago, IL 60610 Bar Phone: 877.285.4918 “mu“ Facsimile: 818.888.1260 Attorneysfor Plaintifl: Midland Credit Management, Inc SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED Midland Credit Management, Inc, Case No. 21 -CLJ-05968 Plaintiff, COMPLAINT FOR: vs. 1. ACCOUNT STATED MELVA LIMON, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant. DEMAND; $1,428.62 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1.Plaintiff is and at all times herein mentioned, Midland Credit Management, Inc, and successor in interest to original creditor, SYNCHRONY BANK. 2.P1aintiff is the only entity that purchased the debt after charge-off and its name and address is as follows: Midland Credit Management, Inc 350 Camino De La Reina Suite 100 San Diego CA 92108. 3.P1aintiff is a debt buyer, and is the sole owner of the debt at issue. 4.The charge-off creditor at the time 0f charge-off is SYNCHRONY BANK, 170 ELECTION RD SUITE 125 DRAPER, UT 84020, and the account number associated With this debt is XXXXXXXXXXXX2435. 5.P1aintiff is informed and believes that Defendant are individuals Who currently reside Exhibit "95" COMPLAINT-l of 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO Within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the proper Court for trial 0f this action. 6.The name and last known address of the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0f the debt is MELVA LIMON, 447 GATEWAY DR APT 115 , PACIFICA, CA 94044- 1 65 1. 7.P1aintiff is unaware of the true names 0r capacities, Whether individual, corporate, associate or otherwise ofthe Defendant sued herein as DOES 1 through 10 inclusive, and therefore, sued the Defendant by such fictitious names. PlaintiffWill amend this Complaint t0 show their true names and capacities once ascertained. 8.Plaintiff believes and at all times mentioned herein, each of the Defendant was, and is, the agent, servant and employee, employer of each of the other Defendant, and also acted in the capacity 0f and as agent of the other Defendant. Plaintiff also believes that the individual Defendant, and each 0f them, are jointly and severally liable that the actions described herein were taken as actions for the benefit of the Defendant's separate and/or community property. 9.Plaintiff believes that, for value received, Defendant and each 0f them, executed and delivered a credit card application to the original creditor, SYNCHRONY BANK or made such application over the telephone or Internet. Pursuant to the aforementioned application, SYNCHRONY BANK provided Defendant with a credit account, and granted use privileges on the same, account number XXXXXXXXXXXX2435 (hereinafter “Account”). 10.Pri0r t0 the commencement 0f this action, the Account was assigned for value t0 the Plaintiff and Plaintiff is its current holder. 11.Defendant agreed t0 repay SYNCHRONY BANK and any successors in interest, for any charges 0n the Account including, but not limited t0, charges for purchase ofgoods and service and/or cash advances and balance. 12.Defendant used the Account to make purchases and/or to take cash advances and/or t0 make balance transfers. Each time the Defendant used the Account t0 purchase goods and services COMPLAINT-2 of 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement to repay SYNCHRONY BANK and its successors in interest for the amount 0f the purchase and/or cash advances and/or balance transfers. 13.Month1y statements were sent to Defendant Which itemized all payments made and charges due on the Account. 14.The date of last payment 0n the subject account was 0n June 17, 2019. 15.Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected to pay amounts due 0n the Account. 16.The debt balance at charge-off was $1,428.62, and upon information and belief there is $0.00 in post charge off fees and $0.00 in post charge off interest. 17.Subsequent t0 charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $1,428.62. 18.A1th0ugh demand has been made upon said Defendant to pay said amount, n0 part has been paid, and it is now due and owing. 19.Upon information and belief, SYNCHRONY BANK and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 20.P1aintiff has complied with California Civil Code Section 1788.52. 21.P1aintiff has attached hereto as Exhibit A and incorporated herein by reference a copy of Billing Statement provided to the Defendant While the account was active, demonstrating that the debt was incurred by the Defendant. 22.Plaintiff has attached hereto as Exhibit B and incorporated herein by reference a copy COMPLAINT-3 0f 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO of the Final Billing Statement and/or Transaction History. FIRST CAUSE OF ACTION (Account Stated) 23.P1aintiff refers t0 and incorporates paragraphs 1 through 22. 24.Within the past 4 years, an account was stated in writing in Which it was agreed that Defendant were indebted in the amount previously referenced herein. Although demand has been made upon Defendant, said amount 0f $1,428.62 has not been paid, and it is now due, owing and unpaid from Defendant to Plaintiff, as successor in interest. SECOND CAUSE OF ACTION (Open Book Account) 25.P1aintiff refers t0 and incorporates paragraphs 1 through 24. 26.Within the past 4 years, Defendant and each 0f them became indebted in the amount of the previously mentioned herein for a balance due on a book account for goods sold and delivered and/or services rendered by SYNCHRONY BANK. Although demand has been made upon Defendant, said amount 0f $1,428.62 has not been paid, and it is now due, owing and unpaid from Defendant to Plaintiff as successor in interest. COMPLAINT-4 of 5 \OOOflQUl-I>WI\J>-‘ NNNNNNNNNr-tr-KHr-Kr-tr-tr-tr-tr-tr-t OOQQUl-RUJNF-‘OKDOOQONUl-hUJNF-‘O WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $1,428.62, 2. For costs of suit incurred; and 3. For such other and further relief as the Court deems just and proper. 4. Plaintiff remits all damages in excess of the jurisdictional amount 0f this Court. Dated: 10/13/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-S 0f 5 QML/ ]Christopher D. Mandarich, Esq. Attorneysfor Plaintifl” EXHIBIT A CARECREDIT/SYNCH RONY BANK MELVA LIMONAccountNumber: -2435 Statement Closing Date: 07/14/2019 Summary of Account Activity Previous Balance $1 265.07 + New Purchases $0.00 - Payments $100.30 +/- Credits. Fees & Adjustments (net) $38.00 +/- Interest Charge (net) $4.65 New Balance $1,207.42 Credit Limit $1 .500.00 Available Credit $292.00 Days in Billing Period 31 Pay online for free at: mysynchrony.com For Synchrony Bank customer service or to report your card lost or stolen, call (-). Best times to call are Wednesday - Friday. Payment Information New Balance $1,207.42 Minimum Payment This Period $1 08.30 Amount Past Due $1 18.70 Total Minimum Payment Due $227.00 Payment Due Date 08I06I2019 PAYMENT DUE BY 5 P.M. EASTERN 0N THE DUE DATE. We may convert your payment into an electronic debit. See reverse side. Late Payment Warning: If we do not receive your Total Minimum Payment Due by the Payment Due Date listed above. you may have to pay a late fee up to $38.00. Minimum Payment Warning: Making only the Total Minimum Payment Due will increase the amount of interest you pay and the time it takes to repay your balance. For example: If you make no You will pay off And you will end up additional charges the balance shown paying an estimated using this card and on this statement total of each month you in about pay Only the minimum 15 months $1 ,223.00 payment If you would like information about credit counseling services. call -. Promotional Expiration Notification YOU MUST PAY EACH PROMOTIONAL BALANCE IN FULL BY ITS EXPIRATION DATE TO AVOID PAYING DEFERRED INTEREST CHARGES. PLEASE SEE THE PROMOTIONAL PURCHASE SUMMARY SECTION ON THIS STATEMENT FOR FURTHER DETAILS. YOU HAVE A PROMOTION(S) EXPIRING ON 12/14/20. * NOTICE: See reverse side and additional pages (if any) for important information concerning your account. 5302 DFH l 7 ll 190714 DPAGE l of 4 9072 3600 C6J9 01DG5302 Pay online at mysynchronymm or enclose this coupon with your check. Please use blue or black ink. Total Minimum Past Due Payment New Account Number Payment Due Amount Due Date Balance $227.00 $1 1 8.70 08/06/2019 $1 ,2o7.42 - 2435 Payment Enclosed : $ New address or e-mail? Check the box at left and print changes on back MELVA LIMON 447 GATEWAY DR APT 115 PACIFICA CA 94044-1 651 DDDDD. 3D Payment due includes $ 118.70 past due. Please pay the past due amount PROMPTLY. If you only pay the Total Minimum Due it may not pay off the Promotional Purchase by the Expiration Date. Make Payment to: SYNCHRONY BANK PO BOX 960061 ORLANDO, FL 32896-0061 Promotional Purchase Summary Promotional Promotional Deferred Tran Date Description Initial Expiration Balance Interest Charge Purchase Date Amount 12/14/2020 $975.40 $231.93 12/01/2018 23‘8"“ 'f Pa'd '" $1 .500.00 A summary of your promotional purchase is provided above. If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion: To avoid paying Deferred Interest Charges on these promotion(s). you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. On a Fixed Payment (Extended Payment Plan) promotional purchase. the Interest Charge is biIIed monthly and included as part of the Minimum Payment due. To make more than one payment see Make Payment To address or pay online at mysynchrony.com. Transaction Summary Tran Date Post Date Reference Number Description Amount 06/1 7/2019 06/1 7/2019 85348125801 KALQYP PAYMENT - THANK YOU ($100.30) FEES 07/06/2019 07/06/2019 LATE FEE $38.00 TOTAL FEES FOR THIS PERIOD $38.00 INTEREST CHARGED 07/14/2019 07/14/2019 INTEREST CHARGE ON PURCHASES $4.65 TOTAL INTEREST FOR THIS PERIOD $4.65 2019 Totals Year-to-Date Total Fees Charged in 2019 $261 .00 Total Interest Charged in 201 9 $1 1.02 Total Interest Paid in 2019 $2.00 Interest Charge Calculation Expiration Date Annual Balance Subject to Interest Charge Type 0f Balance Percentage Interest Rate Rate (APR) Purchases NA 26.99% $202.54 $4.65 Deferred Interest/No Interest If Paid In FuII 12/1 4/2020 26.99% $1 202.85 $0.00 New Promotional Financing Plans This notice is to Iet you know about some promotional financing plans that may be available for you when you use your card for future purchases. This is only a summary of key terms. At times. we may offer you other promotional financing plans for certain purchases. Details of available promotions wiII be provided to you at the time of your transactions. Not all plans or all plan periods will be available at every retailer. For purposes of this notification. your Purchase Annual Percentage Rate ("APR") is 26.99% See the Interest Charge Calculation section of this billing statement to determine if this APR is variable. If a (v) is shown next to your APR, this APR wiII vary with the market based on the prime rate. Subject to credit approval. Regular account terms apply to non-promotional purchases and. after promotion ends. to promotional purchase. No Interest if Paid Within Promotional Period (These can be advertised as Deferred Interest promotions) Under this promotion. no Interest Charges wiII be assessed if the promotional purchase balance is paid in fuII within the promotional period. If the promotional purchase balance is not paid in fuII by the end of the promotional period. interest wiII be imposed from the date of purchase at the Purchase APRstated above. Minimum or fixed monthly payments are required. This promotion may be offered for periods of 6, 12, 18, or 24 months. Please keep this for your recordst you have any questions. please call us at the Customer Service number shown on your statement. 5302 DFH l 7 ll 190714 DPAGEZ of4 9072 3600 C6J9 01DG5302 Cardholder News & Information In order to protect your account privacy. we are unable to provide account information to anyone other than the cardholder(s) or an authorized party. If you wish to permit us to speak to an authorized party such as a spouse about your account. please send written authorization to the General Inquiries address. You can pay your bill online or over the phone. We noticed you've been enjoying our easy paperless payment options. so we will no longer be including return envelopes. You can make things even easier by selecting the paperless statement option on your account online. Synchrony Bank may continue to obtain information. including employment and income information from others about you (including requesting reports from consumer reporting agencies and other sources) to review. maintain or collect your account. PLEASE READ THE IMPORTANT CHANGE-IN-TERMS NOTICE INCLUDED ON THIS BILLING STATEMENT. THIS NOTICE MAKES CHANGES TO THE CARDHOLDER AGREEMENT GOVERNING YOUR ACCOUNT. YOURACCOUNT IS PAST DUE. PLEASE PAY THE MINIMUM PAYMENT DUE OR CONTACT THIS OFFICE AT THE PHONE NUMBER LISTED ON YOUR STATEMENT. 5302 DFH l 7 ll 190714 DPAGE3 of4 9072 3600 C6J9 01DG5302 Important Changes to Your Account Terms The following is a summary of changes that are being made to your account terms. Unless otherwise noted, these changes will take effect on 09/13/19. Revised Terms Late Payment Fee Up to $39 Additional Information about the Late Payment Fee change We are increasing the Late Payment Fee applicable to your account. The Late Payment Fee terms in your credit card agreement will be replaced with the Late Payment Fee terms shown below. Please keep this important document for your records. "Late Payment Fee We will charge this fee if we do not receive the total minimum payment due on your account by 5 p.m. (ET) on the due date. This fee is equal to: 1. $28, if you have paid your total minimum payment due by the due date in each of the prior six billing cycles; OR 2. $39, if you have failed to pay your total minimum payment due by the due date in any one or more of the prior six billing cycles. The late payment fee will never be more than the total minimum payment that was due." Minimum Payment: We are changing the total minimum payment calculation on your account. The Minimum Payment Calculation terms in your credit card agreement will be replaced with the Minimum Payment Calculation terms shown below. Please keep this important document for your records. "Minimum Payment Calculation Your total minimum payment is calculated as follows. The sum of: a. For the new balance shown on your billing statement (excluding any balance attributable to a special promotional purchase with a unique payment calculation), the greater of: (i) $28; or (ii) 3.25% of the new balance shown on your billing statement; or (iii) The sum of 1% of your new balance shown on your billing statement plus interest and late payment fees charged in the current billing cycle; PLUS b. Any past due amounts; PLUS c. Any payment due in connection with a special promotional purchase with a unique payment calculation. We round up to the next highest whole dollar in guring your total minimum payment. Your total minimum payment will never be more than your new balance." 5302 DFH l 7 ll 190714 DPAGE4 of4 9072 3600 C6J9 01DG5302 EXHIBIT B CARECREDIT/SYNCH RONY BANK MELVA LIMONAccountNumber: -2435 Statement Closing Date: 11/1 3/2019 Summary of Account Activity Payment Information Previous Balance $1 ,342.16 New Balance 51.33952 + New purchases $030 Minimum Payment This Period $1 15.00 _ payments $030 Amount Past Due $562.00 +/- Credits. Fees & Adjustments (net) $39.00 Total Minimum Payment Due $677.00 +/- Interest Charge (net) $8.46 Payment Due Date 12/06/2019 New Ba'ance 51389-62 PAYMENT DUE BY 5 P.M. EASTERN 0N THE DUE DATE. . . . We may convert your payment into an electronic debit. See Days in Billing Period 30 Late Payment Warning: If we do not receive your TotalPay 0n'ine for free at: mySYNChronY-com Minimum Payment Due by the Payment Due Date listed above.For Synchrony Bank customer service or to report your you may have to pay a late fee up to $39_00_card IOSt or smlen’ ca" (-)' Minimum Payment Warning: Making only the Total Minimum Best times to call are Wednesday - Friday_ Payment Due will increase the amount of interest you pay and the time it takes to repay your balance. For example: If you make no You will pay off And you will end up additional charges the balance shown paying an estimated using this card and on this statement total of each month you in about pay Only the minimum 11 months $1 ,407.00 payment If you would like information about credit counseling services. call -. Promotional Expiration Notification YOU MUST PAY EACH PROMOTIONAL BALANCE IN FULL BY ITS EXPIRATION DATE TO AVOID PAYING DEFERRED INTEREST CHARGES. PLEASE SEE THE PROMOTIONAL PURCHASE SUMMARY SECTION ON THIS STATEMENT FOR FURTHER DETAILS. YOU HAVE A PROMOTION(S) EXPIRING ON 12/14/20. Promotional Purchase Summary Promotional Promotional Deferred Tran Date Description lnitial Expiration Balance Interest Charge Purchase Date Amount 12/14/2020 $975.40 $345.85 12/01/2018 23‘8"“ 'f Pa'd '" $1 .5oo.oo A summary of your promotional purchase is provided above. If you have a DEFERRED INTEREST/NO INTEREST lF PAID IN FULL promotion: To avoid paying Deferred Interest Charges on these promotion(s). you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. On a Fixed Payment (Extended Payment Plan) promotional purchase. the Interest Charge is billed monthly and included as part of the Minimum Payment due. To make more than one payment see Make Payment To address or pay online at mysynchrony.com. Transaction Summary Tran Date Post Date Reference Number Description Amount FEES 11/06/2019 11/06/2019 LATE FEE $39.00 TOTAL FEES FOR THIS PERIOD $39.00 Continued on next page * NOTICE: See reverse side and additional pages (if any) for important information concerning your account. 5302 DFH l 7 ll 191113 EDPAGE 1 of4 9072 3600 C6J9 01DG5302 Pay online at mysynchrony.com or enclose this coupon with your check. Please use blue or black ink. Total Minimum Past Due Payment New Account Number Payment Due Amount Due Date Balance $677.00 $562.00 12/06/2019 $1 ,389.62 - 2435 $ DEED D. 3D New address or e-mail? Payment due includes $ 562.00 past due. Please pay the past due amount PROMPTLY. :::::;::gbe°sxoa:3;?” If you only pay the Total Minimum Due it may not pay off the Promotional Purchase by the Expiration Date. MELVA LIMON 447 GATEWAY DR APT 115 PO BOX 960061 ORLANDO, FL 32896-0061 Transaction Summary (Continued) Tran Date Post Date I Reference Number I Description Amount INTEREST CHARGED 11/1 3/2019 11/1 3/2019 INTEREST CHARGE ON PURCHASES $8.46 TOTAL INTEREST FOR THIS PERIOD $8.46 2019 Totals Year-to-Date Total Fees Charged in 2019 $415.00 Total Interest Charged in 201 9 $39.22 Total Interest Paid in 2019 $2.00 Interest Charge Calculation Expiration Date Annual Balance Subject to Interest Charge Type 0f Balance Percentage Interest Rate Rate (APR) Purchases NA 26.99% $381.14 $8.46 Deferred Interest/No Interest If Paid In Fu|| 12/1 4/2020 26.99% $1 .306.23 $0.00 Cardholder News & Information your account onIine. In order to protect your account privacy. we are unable to provide account information to anyone other than the cardholder(s) or an authorized party. If you wish to permit us to speak to an authorized party such as a spouse about your account. please send written authorization to the General Inquiries address. You can pay your bi|| online or over the phone. We noticed you've been enjoying our easy paperless payment options. so we wiII no longer be including return envelopes. You can make things even easier by selecting the paperless statement option on PLEASE READ THE IMPORTANT CHANGE-IN-TERMS NOTICE INCLUDED ON THIS BILLING STATEMENT. THIS NOTICE MAKES CHANGES TO THE CARDHOLDER AGREEMENT GOVERNING YOUR ACCOUNT. YOURACCOUNT IS PAST DUE. PLEASE PAY THE MINIMUM PAYMENT DUE OR CONTACT THIS OFFICE AT THE PHONE NUMBER LISTED ON YOUR STATEMENT. 5302 DFH l 7 ll 191113 EDPAGE 2 of 4 9072 3600 C6J9 01DG5302 5302 DFH l 7 ll 191113 EDPAGE3 of4 9072 3600 C6J9 01DG5302m Lu N H 1 l 1 1.3 DPAGE 3 4 72 15 0 439 OlDG5302 Important Changes to Your Account Terms The following is a summary of changes that are being made to your account terms. Unless otherwise noted, these changes will take effect on 01/14/20. Revised Terms Late Payment Fee |Up to $40. Additional Information about the Late Payment Fee change We are increasing the Late Payment Fee applicable to your account. The Late Payment Fee terms in your credit card agreement will be replaced with the Late Payment Fee terms shown below. Please keep this important document for your records. "Late Payment Fee We will charge this fee if we do not receive the total minimum payment due on your account by 5 p.m. (ET) on the due date. This fee is equal to: 1. $29, if you have paid your total minimum payment due by the due date in each of the prior six billing cycles; OR 2. $40, if you have failed to pay your total minimum payment due by the due date in any one or more of the prior six billing cycles. The late payment fee will never be more than the total minimum payment that was due." Minimum Payment: We are changing the total minimum payment calculation on your account. The Minimum Payment Calculation terms in your credit card agreement will be replaced with the Minimum Payment Calculation terms shown below. Please keep this important document for your records. "Minimum Payment Calculation Your total minimum payment is calculated as follows. The sum of: a. For the new balance shown on your billing statement (excluding any balance attributable to a special promotional purchase with a unique payment calculation), the greater of: (i) $29; or (ii) 3.25% of the new balance shown on your billing statement; or (iii) The sum of 1% of your new balance shown on your billing statement plus interest and late payment fees charged in the current billing cycle; PLUS b. Any past due amounts; PLUS c. Any payment due in connection with a special promotional purchase with a unique payment calculation. We round up to the next highest whole dollar in guring your total minimum payment. Your total minimum payment will never be more than your new balance." 5302 DFH l 7 ll 191113 EDPAGE4 of4 9072 3600 C6J9 01DG5302 \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO Christopher D. Mandarich SB 220693 E'EfiTEiin-B"? Ajay SOOd SB325294 hysUpenurCmnnfCanrmnla.mmSanmm Hayk Stambultsyan SB320973 0N 11/1/2021 Martin Weingarten SB 201906 BMANDARICH LAW GROUP, LLP 1' m... P.O. Box 109032 Chicago, IL 60610 Phone: 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintifl: LVNVFUNDING LLC SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED LVNV FUNDING LLC, Case N021 _CLJ_05974 Plaintiff, COMPLAINT FOR: VS_ FILE BY FAX 1. ACCOUNT STATED Laurianna Ceja-Diaz, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant. DEMAND; $12,071.92 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1.P1aintiff is and at all times herein mentioned, LVNV FUNDING LLC, and successor in interest to original creditor, Citibank, N.A.. 2.P1aintiff is a debt buyer, and is the sole owner 0f the debt at issue. 3.The charge-off creditor at the time of charge-off is Citibank, N.A., 5800 South Corporate Place Sioux Falls, SD 57108, and the account number associated with this debt is XXXXXXXXXXXX3745 . 4.The subj ect credit account has been purchased by the following entities after charge-off: Resurgent Acquisitions LLC P.O. Box 10466 Greenville, SC 29603. The subject credit account was transferred by Resurgent Acquisitions LLC t0 Plaintiff LVNV FUNDING LLC, Who maintains an address at C/O Resurgent Capital Services LP P.O. BOX 10466, Greenville SC 29603. 5.P1aintiff is informed and believes that Defendant are individuals Who currently reside Exhibit "96" COMPLAINT-l of 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO Within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the proper Court for trial 0f this action. 6.The name and last known address of the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0f the debt is Laurianna Ceja-Diaz, 1327 ADRIAN AVE , SAN MATEO, CA 94403-0000. 7.P1aintiff is unaware of the true names 0r capacities, Whether individual, corporate, associate or otherwise ofthe Defendant sued herein as DOES 1 through 10 inclusive, and therefore, sued the Defendant by such fictitious names. PlaintiffWill amend this Complaint t0 show their true names and capacities once ascertained. 8.Plaintiff believes and at all times mentioned herein, each of the Defendant was, and is, the agent, servant and employee, employer of each of the other Defendant, and also acted in the capacity 0f and as agent of the other Defendant. Plaintiff also believes that the individual Defendant, and each 0f them, are jointly and severally liable that the actions described herein were taken as actions for the benefit of the Defendant's separate and/or community property. 9.Plaintiff believes that, for value received, Defendant and each 0f them, executed and delivered a credit card application to the original creditor, Citibank, N.A. 0r made such application over the telephone or Internet. Pursuant to the aforementioned application, Citibank, N.A. provided Defendant with a credit account, and granted use privileges 0n the same, account number XXXXXXXXXXXX3745 (hereinafter “Account”). 10.Pri0r t0 the commencement 0f this action, the Account was assigned for value t0 the Plaintiff and Plaintiff is its current holder. 1 1.Defendant agreed t0 repay Citibank, NA. and any successors in interest, for any charges 0n the Account including, but not limited to, charges for purchase 0fgoods and service and/or cash advances and balance. 12.Defendant used the Account to make purchases and/or to take cash advances and/or t0 make balance transfers. Each time the Defendant used the Account t0 purchase goods and services COMPLAINT-2 of 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement to repay Citibank, N.A. and its successors in interest for the amount 0f the purchase and/or cash advances and/or balance transfers. 13.Month1y statements were sent to Defendant Which itemized all payments made and charges due on the Account. 14.The date of last payment 0n the subject account was 0n November 29, 2017. 15.Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected to pay amounts due 0n the Account. 16.The debt balance at Charge-off was $13,91 1.03, and upon information and belief there is $0.00 in post charge off fees and $0.00 in post charge off interest. 17.Subsequent t0 charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $12,071 .92. 18.A1th0ugh demand has been made upon said Defendant to pay said amount, n0 part has been paid, and it is now due and owing. 19.Up0n information and belief, Citibank, N.A. and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 20.P1aintiff has complied with California Civil Code Section 1788.52. 21.P1aintiff has attached hereto as Exhibit A and incorporated herein by reference a copy of Billing Statement provided to the Defendant While the account was active, demonstrating that the debt was incurred by the Defendant. 22.Plaintiff has attached hereto as Exhibit B and incorporated herein by reference a copy 0f the Final Billing Statement and/or Transaction History. 23.Up0n opening the Account With Citibank, N.A., the Defendant(s) agree to reimburse Citibank, N.A., and hence Plaintiff as successor in interest for the costs related t0 the collection of amounts owing on the Account. Plaintiff has been required t0 retain Mandarich Law Group, LLP COMPLAINT-3 0f 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO to pursue collection 0f the amount due hereunder. FIRST CAUSE OF ACTION (Account Stated) 24.P1aintiff refers to and incorporates paragraphs 1 through 23. 25.Within the past 4 years, an account was stated in writing in Which it was agreed that Defendant were indebted in the amount previously referenced herein. Although demand has been made upon Defendant, said amount 0f $12,071 .92 has not been paid, and it is now due, owing and unpaid from Defendant to Plaintiff, as successor in interest. SECOND CAUSE OF ACTION (Open Book Account) 26.P1aintiff refers t0 and incorporates paragraphs 1 through 25. 27.Within the past 4 years, Defendant and each 0f them became indebted in the amount of the previously mentioned herein for a balance due on a book account for goods sold and delivered and/or services rendered by Citibank, N.A.. Although demand has been made upon Defendant, said amount 0f $12,071.92 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 of 5 \OOOflQUl-I>WI\J>-‘ NNNNNNNNNr-tr-KHr-Kr-tr-tr-tr-tr-tr-t OOQQUl-RUJNF-‘OKDOOQONUl-hUJNF-‘O WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $12,071.92, 2. For reasonable attorneys fees pursuant to statute; 3. For costs of suit incurred; and 4. For such other and further relief as the Court deems just and proper. 5. Plaintiff remits all damages in excess of the jurisdictional amount 0f this Court. Dated: 10/13/2021 By: MANDARICH LAW GROUP, LLP QMM [X] Christopher D. Mandarich, Esq. Attorneysfor Plaintifi” COMPLAINT-5 0f 5 EXHIBIT A LAURIANNA CEJA-DIAZ Member Since 2007 Account number ending in:3745 Billing Period:04/26/16-05/24/16 Minimum payment due: $395.59 New balance: $11,674.19 Payment due date: 06/21/16 Late Payment Warnlnq: If we do not recelve your minimum payment by the date listed above. you may have to pay a late fee of up to $37 and your APRs may be increased up to the variable Penalty APR of 29.99%. Minimum Payment Warnlnq: if you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Ii you make no additional You wlll pay oii the And you wlll end up charges uslnq this card balance shown on thls paying an estimated and each month you pay-. statement In about... total oi... Only the minimum payment 27 year(s) $39,220 $17,856$496 3 Veer“) (Savlnqs=$21,364) For information about credit counseling services. call 1-877-337-8187. ® Pay onllne www.cltlcards.com Pay by phone l 800 THANKYOU (l 800 842 6596) Pay by mall Use this coupon 0 Enclose a valid check or money order payable to CITI CARDS. No cash or foreign currency. 0 Write the last fourdiqits of your account number on your check. 000000 PW 00 A 0 How to reach us www.clticards.com i-800-THANKYOU(i800-842-6596) BOX 6500 SIOUX FALLS. SD 57117 Account Summary Previous balance $11,649.73 Payments $422.97 Credits ~$0.00 Purchases +$167.84 Cash advances +$0.00 Fees +$0.00 Interest +$279.59 New balance $11,674.19 Credit Limit Revolving Credit limit $11,680 Includes $0 cash advance llmlt Available Revolving credit $5 thankyou cm-from um- Total ThankYou Member Available Point Balance: 27,960 as of 04/30/16 » See page 3 for more information about your rewards. Please print Address Changes on the reverse side Minimum payment due $395.59 New balance $11,674.19 Payment due date 06/21/16 Amount enclosed: Account number ending in 3745 LAURIANNA CEJA'DIAZ CITI CARDS 1327 ADRIAN AVE P0 BOX 78045 SAN MATEO CA 94403-1619 Phoenix. AZ 85°62'8045 LAURIANNA CEJA-DIAZ www.cltlcard s.com 1'800'THANKYOU(1'800'842-6596) We have lowered your APRs. Your new APRs effective 05/25/2016 are: APR for Standard Purchases: 29.74096 variable APR for Standard Advances: 29.74096 variable Variable APRs will vary with the market based on the U.S. Prime Rate. Account Summary Trans. Post date date Descrlptlon Amount Payments, Credlts and Adjustments 05/17 PAYMENT THANK You $422.97 Standard Purchases 05/05 05/05 FASTRAK csc 04154868655 CA $25.00 05/15 05/15 SAFEco INSURANCE co 800 332 3226 MA $142.84 Fees charged Date Description Amount 05/24 MEMBERSHIP FEE MAY 16 APR 17 $0.00 Total lees charged In thls bllllnq period 30-00 Interest charged Date DeSCflptlon Amount 05/24 iNTEREsr CHARGED T0 STANDARD ADv $58.24 05/24 iNTEREST CHARGED T0 STANDARD PURCH $22135 Total Interest charged In this bmlnq period 5219-59 2016 totals year-to-date $69.00 51.13150 Total tees charged In 2016 Total Interest charged In 2016 Interest charge calculation Your Annual Percentage Rate (APRHS the annual interest rate on your accomt. Days In bllllng cycle:29 Annual percenta e Balance subject Belencetyge rate_(_A_E___i____t_g__l_r_1_t_erest rate Interest chuge PURCHASES ~ Standard PUFCh 29.99% (V) $9,289.99(D) $221.35 ”ADVANCES Standard Adv 29.99% (V) $2,444.53 (D) $58.24 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 dally balance method (including current transactions). Account messages Remember. any charges above your revolving credit limit MUST BE PAID IN FULL by your statement's payment due date. thankxggcm- Member ID: 8910231271109129 ThankYou Points Earned This Period 2x on Dining 0 2x 0n Entertainment 0 1x on 0ther Purchases 168 Total Earned 168 » Vlslt thankyou.com to redeem points or see full rewards details. Bonus Points may take one to two bIIIIng cycles to appear 0n your statement. Please refer t0 the speclflc terms and condltlons pertaining to the promotion for further details. Page 2 of 2 EXHIBIT B Citi ThankYou® Preferred Card LAURIANNA CEJA-DIAZ Member Since 2007 Account numberending in23745 Billing Periodz12/24/16-01/24/17 How to reach us www.citicards.com 1-800-846-8444 TTY: 1-877-693-0218 BOX 6500 SIOUX FALLS, SD 57117 Your account is past due. Please pay at . . _ least the minimum payment due, whichM'mmum payment due' 513'911'03 includes a past due amount of $3170.60 and New balance; $13,911_03 an overlimit amount of $2231.03. Payment due date: 02/21/17 Account Summary Previous balance $13,550.20 Late Payment Warninqzlf we do not receive your minimum payment by the Payments $000 date listed above, you may have to pay a late fee of up to $37 and your APRs cred'ts "$0.00 may be increased up to the variable Penalty APR of 29.99%. Purchases +$0.00 Minimum Payment Warninqzlf you make only the minimum payment each CaSh adVanCGS +5000 period, you will pay more in interest and it will take you longer to pay off your Fees +50 OObalance. Forexample: I t t 360'83 If you make no additional You wi|| pay off the And you wi|| end up n eres +$ ' charges using this card balance shown on this paying an estimated New ba|ance $13 911.03and each month you pay... statement in about... total of... ' 0n|y the minimum payment 1month(s) $13,911 cred't L'm't For information about credit counseling services, call 1-877-337-8188. Revolving Credit limit $11,680 Includes $0 cash advance limit Pay your bill from virtually anywhere Minimum payment due $13,911.03with the Citi Mobile® App and Citi® Online New balance $13,911.03 To download: Text 'App1s'to Mycm (692484) Payment due date 02/21/17 or go to your device's app store. Or visit www.citicards.com Amount enclosed: 000000 pW 34 A O Account number ending in 3745 LAURIANNA CEJA-DIAZ CITI CARDS 1327 ADRIAN AVE PO BQX 78045 SAN MATEO CA 94403 PhoenIX,AZ 85062-8045 LAURIANNA CEJA-DIAZ www.citicards.com Page 2 of 2 1-800-846-8444 TTY: 1-877-693-0218 Account Summary Trans. Post date date Description Amount Fees charged Total fees charged in this billing period $0~00 Interest charged Date Description Amount 01/24 INTEREST CHARGED TO STANDARD ADV $75.30 01/24 INTEREST CHARGED T0 STANDARD PURCH $285.53 Total interest charged in this billing period $35033 2017 totals year-to-date Total fees charged in 2017 $0.00 Total interest charged in 2017 $360.83 Interest charge calculation Days in billing cyclezsz Your Annual Percentage Rate (APR)is the annual interest rate on your account. Annual percentage Balance subject Balance type rate (APR) to interest rate Interest charge PURCHASES Standard Purch 29.99% (v) $10,860.26(D) $285.53 ADVANCES standard Adv 29.99% (V) $2,863.93 (D) $75.30 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 Minimum Payment Due includes past due amounts. Your account may be with a collection vendor and when you call our number, you may be referred to the vendor. Please call the toll-free number shown above Monday-Thursday 8am to 6 pm or Friday 8 am to 5 pm, Central time. 1-800-846-8444 \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO Christopher D. Mandarich SB 220693 Elfltmnicflfly fijaissiod EB132529§1B320973 hySuperinr Camlnffialrfc-rniafimmlj' :a‘S-an Maren ay am u Syan um 1112 21 Martin Weingarten SB 201906 I / 0 MANDARICH LAW GROUP, LLP EH fflgrufllagyini P.O. Box 109032 Chicago, IL 60610 Phone: 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintifl: CA VALRY SPVI, LLC, ASASSIGNEE 0F CITIBANK, N.A. SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - UNLIMITED CAVALRY SPV 1, LLC, As ASSIGNEE 0F Case No. 21 -C|V-05865 CITIBANK, N.A., Plaintiff, COMPLAINT FOR: vs. 1. ACCOUNT STATED 2. OPEN BOOK ACCOUNT NATHAN J ROWADER, an individual; and DOES 1 through 10 inclusive. Defendant DEMAND: $30,638.48 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1.Plaintiff is and at all times herein mentioned, CAVALRY SPV I, LLC, AS ASSIGNEE OF CITIBANK, N.A., and successor in interest to original creditor, Citibank, N.A.. 2.P1aintiff is the only entity that purchased the debt after charge-off and its name and address is as follows: CAVALRY SPV I, LLC, AS ASSIGNEE OF CITIBANK, N.A. 500 Summit Lake Drive Valhalla NY 10595. 3.P1aintiff is a debt buyer, and is the sole owner of the debt at issue. 4.The charge-off creditor at the time of charge-off is CITIBANK,N.A., PO BOX 78045 PHOENIX, AZ 85062-8045, and the account number associated With this debt is XXXXXXXXXXXX8664. 5.P1aintiff is informed and believes that Defendant are individuals Who currently reside Exhibit "97" COMPLAINT-l of 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO Within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the proper Court for trial 0f this action. 6.The name and last known address of the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0f the debt is NATHAN J ROWADER, 125 2ND ST APT 605, OAKLAND, CA 94607-0000. 7.P1aintiff is unaware of the true names 0r capacities, Whether individual, corporate, associate or otherwise ofthe Defendant sued herein as DOES 1 through 10 inclusive, and therefore, sued the Defendant by such fictitious names. PlaintiffWill amend this Complaint t0 show their true names and capacities once ascertained. 8.Plaintiff believes and at all times mentioned herein, each of the Defendant was, and is, the agent, servant and employee, employer of each of the other Defendant, and also acted in the capacity 0f and as agent of the other Defendant. Plaintiff also believes that the individual Defendant, and each 0f them, are jointly and severally liable that the actions described herein were taken as actions for the benefit of the Defendant's separate and/or community property. 9.Plaintiff believes that, for value received, Defendant and each 0f them, executed and delivered a credit card application to the original creditor, Citibank, N.A. 0r made such application over the telephone or Internet. Pursuant to the aforementioned application, Citibank, N.A. provided Defendant with a credit account, and granted use privileges 0n the same, account number XXXXXXXXXXXX8664 (hereinafter “Account”). 10.Pri0r t0 the commencement 0f this action, the Account was assigned for value t0 the Plaintiff and Plaintiff is its current holder. 1 1.Defendant agreed t0 repay Citibank, NA. and any successors in interest, for any charges 0n the Account including, but not limited to, charges for purchase 0fgoods and service and/or cash advances and balance. 12.Defendant used the Account to make purchases and/or to take cash advances and/or t0 make balance transfers. Each time the Defendant used the Account t0 purchase goods and services COMPLAINT-2 of 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement to repay Citibank, N.A. and its successors in interest for the amount 0f the purchase and/or cash advances and/or balance transfers. 13.Month1y statements were sent to Defendant Which itemized all payments made and charges due on the Account. 14.The account was delinquent on July 16, 2008. 15.Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected to pay amounts due 0n the Account. 16.The debt balance at Charge-off was $30,638.48, and upon information and belief there is $0.00 in post charge off fees and $0.00 in post charge off interest. 17.Subsequent t0 charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $30,638.48. 18.A1th0ugh demand has been made upon said Defendant to pay said amount, n0 part has been paid, and it is now due and owing. 19.Up0n information and belief, Citibank, N.A. and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 20.P1aintiff has complied with California Civil Code Section 1788.52. 21.P1aintiff has attached hereto as Exhibit A and incorporated herein by reference a copy of Billing Statement and/or Account Records provided to the Defendant While the account was active, demonstrating that the debt was incurred by the Defendant as described in California Civil Code section 1788.52(b). 22.Plaintiff has attached hereto as Exhibit B and incorporated herein by reference a copy 0f the Final Billing Statement and/or Transaction History. 23.Up0n opening the Account with Citibank, N.A., the Defendant(s) agree to reimburse Citibank, N.A., and hence Plaintiff as successor in interest for the costs related t0 the collection of amounts owing on the Account. Plaintiff has been required to retain Mandarich Law Group, LLP COMPLAINT-3 0f 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO to pursue collection 0f the amount due hereunder. FIRST CAUSE OF ACTION (Account Stated) 24.P1aintiff refers to and incorporates paragraphs 1 through 23. 25.Within the past 4 years, an account was stated in writing in Which it was agreed that Defendant were indebted in the amount previously referenced herein. Although demand has been made upon Defendant, said amount 0f $30,638.48 has not been paid, and it is now due, owing and unpaid from Defendant to Plaintiff, as successor in interest. SECOND CAUSE OF ACTION (Open Book Account) 26.P1aintiff refers t0 and incorporates paragraphs 1 through 25. 27.Within the past 4 years, Defendant and each 0f them became indebted in the amount of the previously mentioned herein for a balance due on a book account for goods sold and delivered and/or services rendered by Citibank, N.A.. Although demand has been made upon Defendant, said amount 0f $30,638.48 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 of 5 \OOOflQUl-I>WI\J>-‘ NNNNNNNNNr-tr-KHr-Kr-tr-tr-tr-tr-tr-t OOQQUl-RUJNF-‘OKDOOQONUl-hUJNF-‘O WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $30,638.48, 2. For reasonable attorneys fees pursuant to statute; 3. For costs of suit incurred; and 4. For such other and further relief as the Court deems just and proper. 5. Plaintiff remits all damages in excess of the jurisdictional amount 0f this Court. Dated: 09/10/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-S 0f 5 [X] Hayk Stambultsyan, Esq. Attorneysfor Plaintifl” EXHIBIT A NATHAN J ROWADER www.citicards.com Member Since 2008 Account number ending in: 8664 Customer Service 1-855-473-4583 Billing Peri0d212/17/19-01/15/20 TTY-hearing-impaired services only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 Your next AutoPay payment of $586.22 will be deducted from your bank account on JANUARY STATEMENT Mlmmum payment due: $58622 02/13/2020. Please note that the nextNew balance as of 01/15/20: $27,479.30 A t P t b d d .f Payment due date° 02/13/20 u O ay paymerl may e re uce l yoll S . ° . . . have made additional payments or receivedeethe last pa e of this statement for Important Information about how to . . . . avord paying In erest on purchases. any credIts durIng the current bIllIng cycle. Account Summary Late Payment Warninqzlf we do not receive your minimum payment by the Previous ba|ance $27,708.39 date listed above, you may have to pay a late fee of up to $39 and your APRs payments $1,780.33 may be increased up to the Penalty APR of 28.74%. Credits -5000 Minimum Payment Warninqzlf you make only the minimum payment each PurChases +$lr20l02 period, you will pay more in interest and it will take you longer to pay off your CaSh adVanceS +5000 balance. For example: Fees +$39.00 Ifhyou make notdditiogal golu wi|| phay off theh. Andyou williend tipd Interest +$311.22 c ar es usm Is car a ance s own on Is ayIn an es Ima e and gach mogth you pay... statement in about... Eotal gf... New balance 527:47930 Only the minimum payment 36 year(s) $60,887 Credit Limit $33,120 Credit limit $29,470$920 3 year(s) (Savings=$27,767) Includes $0 cash advance limit For information about credit counseling services, call 1-877-337-8187. Your Account is enrolled in AutoPay. Minimum payment due $586.22 New balance $27,479.30 Payment due date 02/13/20 Amount enclosed: oooooo MC 32 A o Account number ending in 8664 NATHAN J ROWADER CITI CARDS 125 2ND ST PO BOX 78045 APT 605 Phoenix, AZ 85062-8045 OAKLAND CA 94607-4566 www.citicards.com Customer Service 1-855-473-4583 Page 2 of 2 TTY-hearing-impaired services only 1-800-325-2865NATHAN J ROWADER Account Summary Trans. Post date date Description Amount Payments, Credits and Adjustments 01/13 AUTOPAY 999990000088566RAUTOPAY $1,780.33 AUTO-PMT Standard Purchases 12/13 12/17 1121319 AUTOPAY RTN RO1-INSUFFICIENT FUN $1,201.02 Fees charged Date Description Amount 12/17 RETURN CHECK FEE - 121319 $39.00 Total fees charged in this billing period $3900 Interest charged Date Description Amount 01/15 INTEREST CHARGED TO STANDARD PURCH $63.44 01/15 INTEREST CHARGED TO PUR PR'02/05/19. $247.78 Total interest charged in this billing period $31122 2020 totals year-to-date Total fees charged in 2020 $39.00 Total interest charged in 2020 $311.22 Interest charge calculation Days in billing cyclezso Your Annual Percentage Rate (APR)is the annual interest rate on your account. Annual percentage Balance subject Balance type rate (APR) to interest rate Interest charge PURCHASES Standard Purch 28.74% (V) $2,685.44 (D) $63.44 Pur Pr 020519 11.49% (v) $26,236.58 (D) $247.78 ADVANCES standard Adv 28.74% (V) $0.00 (D) $0.00 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 2018 Citibank, N.A. Citi, Citi with Arc Design are registered service marks of Citigroup Inc. EXHIBIT B NATHAN J ROWADER Member Since 2008 Account numberending in28664 Billing Period204/16/20-05/15/20 MAY STATEMENT Minimum payment due: $30,638.48 New balance as of 05/15/20: $30,638.48 Payment due date: 05/15/20 Seethe last pa e of this statement for important information about how to aVOId paying In erest on purchases. Late Payment Warninqzlf we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39 and your APRs may be increased up to the Penalty APR of 27.24%. Minimum Payment Warninqzlf 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: If you make no additional You wi|| pay off the And you wi|| end up charges using this card balance shown on this paying an estimated and each month you pay... statement in about... total of... Only the minimum payment lmonth(s) $30,638 For information about credit counseling services, call 1-877-337-8188. Pay your bill from virtually anywhere with the Citi Mobile® App and Citi® 0nline To download: Text 'App15' to MyCiti (692484) or go to your device's app store. Or visit www.citicards.com OOOOOO MC 32 A O www.citicards.com Customer Service 1-855-473-4583 TTY-hearing-impaired services only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 Account Summary Previous balance $30,334.49 Payments -$0.00 Credits -$0.00 Pu rchases +$0.00 Cash advances +$0.00 Fees +$0.00 Interest +$303.99 New balance $30,638.48 Credit Limit Credit limit $29,470 Includes $0 cash advance limit Minimum payment due $30,638.48 New balance $30,638.48 Payment due date 05/15/20 Amount enclosed: Account number ending in 8664 NATHAN J ROWADER CITI CARDS 125 2ND ST PO BOX 78045 APT 605 Phoenix, AZ 85062-8045 OAKLAND CA 94607-4566 Customer Service 1-855-473-4583 Page 2 of 2www.citicards.com TTY-hearing-impaired services only 1-800-325-2865NATHAN J ROWADER Account Summary Trans. Post date date Description Amount Fees charged Total fees charged in this billing period $0~00 Interest charged Date Description Amount 05/15 INTEREST CHARGED TO STANDARD PURCH $84.82 05/15 INTEREST CHARGED TO PUR PR-OZ/O5/i9. $219.17 Total interest charged in this billing period $30399 2020 totals year-to-date Total fees charged in 2020 $156.00 Total interest charged in 2020 $1,573.07 Interest charge calculation Days in billing cyclezso Your Annual Percentage Rate (APR)is the annual interest rate on your account. Annual percentage Balance subject Balance type rate (APR) to interest rate Interest charge PURCHASES Standard Purch 27.24% (V) $3,788.40 (D) $84.82 Pur Pr 020519 9.99% (v) $26,692.71 (D) $219.17 ADVANCES standard Adv 27.24% (V) $0.00 (D) $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed by (V) may vary. Balances followed by (D) are determined by the daily balance method (including current transactions). Account messages Please note that if we received your pay by phone or online payment between 5 p.m. ET and midnight ET on the last day of your billing period, your payment will not be reflected until your next statement. 2018 Citibank, N.A. Citi, Citi with Arc Design are registered service marks of Citigroup Inc. KOOONQUILWNu-t NNNNNNNNNHHh-b-Hb-b-h-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO Christopher D. Mandarich SB 220693 Ajay Sood SB325294 Hayk Stambultsyan SB320973 Martin Weingarten SB 201906 Electrnnically MANDARICH LAW GROUP, LLP FILED P.O. Box 109032 Chicago, IL 60610 WSW'EWWDW‘EWW'E-mfifiamam 877.285.4918 0N 11/8/2021 Facsimile: 818.888.1260 By Attorneysfor Plaintifl: Velocity Investments, LLC WWW ‘3'“ SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED Velocity Investments, LLC, Case N0. 21 -CLJ-06056 Plaintiff, VS FILE BY FAX COMPLAINT FOR: 1. BREACH OF CONTRACT Solomon Makonnen, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant DEMAND: $4,414.43 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1. Plaintiff is and at all times herein mentioned, Velocity Investments, LLC, and successor in interest to original creditor, CROSS RIVER BANK. 2. Plaintiff is the only entity that purchased the debt after charge-off and its name and address is as follows: Velocity Investments, LLC; 1800 Route 34 North Building 3, Suite 305, Wall NJ 07719. 3. Plaintiff is a debt buyer, and is the sole owner of the debt at issue. 4. The charge-off creditor at the time of charge-off is Wilmington Savings Fund Society, FSB, as Trustee of Alternative Lending Holdings Trust, PO BOX 1503, SAN CARLOS, CA 94070, and the account number associated with this debt is XX5385. 5. Plaintiff is informed and believes that Defendant are individuals who currently reside within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the proper Court for trial of this action. COMPLAINT-l 0f5 EXhibit "98" KOOONONUILWNr-t NNNNNNNNNHh-h-b-Hb-h-th-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO 6. The name and last known address of the debtor as they appeared in the charge-off creditor’s records prior t0 the sale 0f the debt is Solomon Makonnen , 418 88TH ST APT # 4, DALY CITY, CA 94015. 7. Plaintiff is unaware of the true names or capacities, Whether individual, corporate, associate or otherwise ofthe Defendant sued herein as DOES 1 through 10 inclusive, and therefore, sued the Defendant by such fictitious names. PlaintiffWill amend this Complaint to show their true names and capacities once ascertained. 8. Plaintiff believes and at all times mentioned herein, each 0f the Defendant was, and is, the agent, servant and employee, employer of each of the other Defendant, and also acted in the capacity 0f and as agent of the other Defendant. Plaintiff also believes that the individual Defendant, and each 0f them, are jointly and severally liable that the actions described herein were taken as actions for the benefit of the Defendant's separate and/or community property. 9. Plaintiff believes that, for value received, Defendant and each 0f them, executed and delivered a credit application to the original creditor, CROSS RIVER BANK or made such application over the telephone 0r Internet. Pursuant t0 the aforementioned application, CROSS RIVER BANK provided Defendant with a credit account, and granted use privileges on the same, account number XX5385 (hereinafter “Account”). 10. Prior t0 the commencement of this action, the Account was assigned for value to the Plaintiff and Plaintiff is its current holder. 11. Defendant agreed to comply With the terms governing the use of the Account, as it was amended from time t0 time, including repaying CROSS RIVER BANK and any successors in interest, for any charges on the Account including, but not limited t0, charges for purchase 0fgoods and service and/or cash advances and balance transfers along With late charges, over limits charges related thereto. 12. Defendant used the Account t0 make purchases and/or to take cash advances and/or to make balance transfers. Each time the Defendant used the Account t0 purchase goods and services and/or take cash advances and/or make balance transfers, Defendant reaffirmed their agreement t0 COMPLAINT-2 0f 5 KOOOVONUILUJNr-t NNNNNNNNNh-h-kb-Ab-Ab-b-h-HHH OONQUl-PUJNF-‘OKOOONONKII-PUJNF-‘O repay CROSS RIVER BANK and its successors in interest for the amount of the purchase and/or cash advances and/or balance transfers, along With such other charges as may be assessed pursuant to the terms governing the Account. 13. The date of last payment 0n the subj ect account was on March 9, 2017. 14. Within the last four years, the Defendant failed to make payments as agreed on the Account. Defendant has failed, refused and neglected to pay amounts due 0n the Account. 15. The debt balance at charge-offwas $4,414.43, and upon information and belief there is $0.00 in post charge off fees and there is $0.00 in post charge off interest. 16. Subsequent t0 charge-off, and after applying any and all applicable payments and credits, the Defendant owes Plaintiff $4,414.43. 17. Although demand has been made upon said Defendant t0 pay said amount, n0 part has been paid, and it is now due and owing. 18. Upon information and belief, CROSS RIVER BANK and successors in interest including Plaintiff have duly performed all promises, conditions and agreements herein. 19. Plaintiff has complied With California Civil Code Section 1788.52. 20. Plaintiff has attached hereto as Exhibit A and incorporated herein by reference a copy of Billing Statement and/or Loan File provided to the Defendant while the account was active, demonstrating that the debt was incurred by the Defendant. 21. Plaintiff has attached hereto as Exhibit B and incorporated herein by reference a copy of the Final Billing Statement and/or Transaction History. 22. Upon opening the Account With CROSS RIVER BANK, the Defendant agrees to reimburse CROSS RIVER BANK, and hence Plaintiff as successor in interest for the costs related to the collection 0famounts owing 0n the Account. Plaintiffhas been required t0 retain Mandarich Law Group, LLP t0 pursue collection of the amount due hereunder. FIRST CAUSE OF ACTION (Breach 0f Contract) 23. Plaintiff refers to and incorporates paragraphs 1 through 22. COMPLAINT-3 0f 5 \OOOflQUl-RUJNH NNNNNNNNNHr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNh-‘OKOOOQQUl-bUJNF-‘O 24. CROSS RIVER BANK extended a credit loan to the Defendant. 25. Defendant accepted the terms and conditions 0f the Account by Defendant use 0f the Account t0 make purchases and/or t0 take cash advances and/or t0 make balance transfers. 26. Defendant have breached the terms and conditions governing the Account by failing to pay amounts due and owing on the Account. 27. As a direct and proximate result thereof, Plaintiff has been damaged in the amount of $4,414.43. SECOND CAUSE OF ACTION (Open Book Account) 28. Plaintiff refers to and incorporates paragraphs 1 through 27. 29. Within the past 4 years, Defendant and each 0fthem became indebted in the amount 0f the previously mentioned herein for a balance due 0n a book account for goods sold and delivered and/or services rendered by CROSS RIVER BANK. Although demand has been made upon Defendant, said amount of $4,414.43 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 0f 5 KOOONONUI-bUJNr-t NNNNNNNNNHh-kb-Ab-Ab-b-h-h-Hb-t OONQMJ>WN~O©OONONM$UJNHO WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $4,414.43, 2. For costs of suit incurred; and 3. For such other and further relief as the Court deems just and proper. 4. Plaintiff remits all damages in excess of the jurisdictional amount 0f this Court. Dated: 11/04/2021 By: MANDARICH LAW GROUP, LLP r' . Q I; .u f gi f-|-" [X] Christopher D. Mandarich, Esq. Attorneysfor Plaintifi” COMPLAINT-5 0f 5 EXHIBIT A Copy of the Electronic Otiginal® document managed by the eCore® 0n Demand (EOD"') Service. Upstart Promissory Note Loan |ELE385 Upstart borrower ID :'958 Lender: Cross River Bank, 885 Teaneck Road, Teaneck, NJ 07666 1. Promise to Pay. Subject to, and in return for a loan I receive from Cross River Bank, a federally insured state chartered bank in Teaneck, New Jersey, or its registered assigns (" ou" or “CRB"), I promise to pay the p ' m of $7,000, togetherwith interest thereon com en ng on the funding date at the rate of 1 ' ' n Note (“Note") to yo below. 2. Payments. This Note is payable in 36moi ins nts of 248.94 each, consisting of principal and interest, commencing on November 9, 201 5, and continuing on the same day of each successive month thereafter until the final payment date of October 9, 201 8, which is the maturity date of this Note. If the monthly anniversary is on the 29111, 30th, or 31 st of the month, and the following month does not have a 29th, 30th, or 31 st day, the monthly payment will be due on the last day of the month in which the payment was due unless otherwise notified in writing. The final payment will consist of the then remaining principal, unpaid accrued interest and other charges due under this Note. AII payments will be applied first to a npa ees incurrg as a result o ailed automated pay nts or returned bank’ ar s en e;thento any - a ed to principal. (including my origination fee). If payments are made on time and no fees are incurred, my final payment will be in the amount of a regular monthly payment. Because of the accrual of interest on any late payments and the effect of rounding, my final payment may be more (or less) than my regular payment. I acknowledge that, if I make my payments after the scheduled due date, this Note will not amortize as originally scheduled, which may result in a substantially higher nal payment amount. The interest rate IwiII pay will be the rate Iwill pay both before and after any default. 4. Fees. The following fees apply to you: Fee Frequency Description Qriginalion 6.0% of One time This is a one time, non refundable fee that will be m the deducted from the loan proceeds before they are Loan delivered to me. Amount Late The Per If I do not pay you the full amount of any monthly Eaxmem greater occurrence payment within 10 calendar days of its due date, you The original document is owned by Velocity Investmens, LLC and this copy was created on Jul 15, 2019 07:39:02 AM. Copyd the Electronic Originam documentmanaged by the eCoce® 0n Demand (EODT') Sewice. Eee of 5% may charge me a late fee. Any payment received of past after 3:00 PM Pacic time on a business day is due deemed received on the next business day. amount or $15 AQtl $15 Per If Automated Clearing House ("ACH") transfers or Behring: occurrence checks are rejected or returned for any other reason, Check or fail due to insufficient funds in my bank account, Refund then you may charge this fee. Each attempt to collect Eee a payment is considered a separate transaction, so an ACH return or check refund fee will be assessed for each failed attempt. I understand the bank that holds my bank account may assess its own fee in addition to the fee you assess. Check rge a Emcessing . cake via . . lauthorize you to collect these fees using ACH transfers initiated by you from my designated bank account if I have chosen this method of payment (see Section 5). Any fees you assess are immediately due. l acknowledge and agree that the origination fee is part of my loan principal. . Method of Payment. l agree to pay the principal periodic interest and any fees on this Note when due. You have given me the choice of makin my monthly pa ments by (i ) an ACH or other electronic fund or((ii)per nal check byégular mail to Upstart = n Operations, P.O. -' -dge and agree that , twill pp :- completed an ACH - c the amount specied in the authorization from mybankt unless l cancel or modify this payment at least 3 business days before its scheduled date by contacting you, as describedIn Section 12, or your bank. If my ACH bank transfers are rejected or returned for any reason, lunderstand and agree that you may try to debit my account two more times. I also agree you may apply the ACH return/check refund fee described in Section 4, subject to applicable law, each time an ACH bank transfer is returned or rejected. lacknowledge that my bank may also charge a fee in addition to your fee and you are not responsible for any such fees. All written communications concerning disputed amounts, including any check or other payment instrument that (i) is postdated and accompanied by adequate notice, (ii) indicates that the payment constitutes “payment in full” of the amount owed, (iii) is tendered with other conditions or limitations or (iv) is otherwise tendered as full satisfaction of a disputed amount, must be marked for special handling and mailed or delivered to us at Upstart Loan Operations, 2345 Yale Street, Palo Alto, CA 94306. . Waiver of Defenses. Except as othenIvise provided in this Note, you are not responsible or liable to me for the quality, safety, legality or any other aspect of any property or services purchased with the proceeds of my loan. If l have a dispute with any person from whom l have purchased such property or sen/ices, l agree to settle the dispute directly with that person. . Certication. Unless l have certied to you othenIvise, l agree that the proceeds of my loan will not be applied in whole or in part to postsecondary educational expenses (i e. tuition, fees, required equipmentmo_rgisuggues,r_oom andboard, or other miscellaneouwgersonal expenses incurred while | Isbyowned V city Investments LLC and this copy c eated on Jul 15 2019 07:39:02 AM 10. 11. Copy of the Electmnic Originaw documentmanaged by the eCOIe® On Demand (EODT') Sewice. am studying) at a college/university/vocational school, as the term “postsecondary educational expenses" is dened in Bureau of Consumer Financial Protection Regulation Z, 12 C.F.R. § 1026.46 (b)(3)- Default and Remedies. Subject to the limitations of applicable state law and any right to notice and to cure under applicable state law, lwilI be deemed in default (each, an "Event of Default") of my obligations under this Note if I: (i) fail to pay timely any amount due under this Note; (ii) file or have instituted against me any bankruptcy or insolvency proceedings or make any assignment for the benet of creditors; (iii) die; (iv) commit fraud or make any material misrepresentation in this Note or in my loan application; or (v) fail to abide by the terms of this Note. Upon the occurrence of an Event of Default, you may exercise all remedies available to you under applicable law, including demand that I immediately pay all amounts due under this Note. You reserve the right to report loan payment delinquencies of 30 days or longer to one or more consumer reporljng agencies in accordance with applicable law. l acknowledge these may be reected in my credit report. l agree to pay all costs of collecting any delinquent payments, including reasonable attorneys' fees, to the greatest extent not time without penalty. not postpone the due date of any subseq - ' v - ‘ ~ ting. If I prepay this this Note are paid. Waivers. Even if, at a time when I am in default, you do not require me to pay immediately in full, you will still have the right to do so if I am in default at a later time. Neither your failure to exercise any of your rights, nor your delay in enforcing or exercising any of your rights, will waive those rights. Furthermore, if you waive any right under this Note on one occasion, that waiver will not operate as a waiver as to any other occasion. ritten permission. is Note, or any of e. Upstart Network, ent shall maintain at this Note delivered to it and a register (the "Register") for the recordation of the names and addresses of the original owner and assignees and participants, and the amounts of principal and interest owing to each from time to time pursuant to the terms of this Agreement. The Register may be in electronic form. l agree that the entries in the Register shall be conclusive, and I, the Registrar, you and all of assignees and participants shall treat each person whose name is recorded in the Register pursuant to these terms as the owner of such principal and interest payments for all purposes of this Note, notwithstanding notice to the contrary. The name ofthe owner in the Register shall be available to me upon written request to the Registrar as provided in Section 12, at any reasonable time and from time to time upon reasonable prior notice. This Section intended to result in this Note being at all times in “registered form“ within the meaning of U.S. Treasury Regulations Section 1.871 14(c) and Sections 163(f), 871 (h) and 881 (c) of the Internal Revenue Code of 1986, as amended, and shall be interpreted and applied in a manner consistent therewith. Any fees and expenses of the Registrar for its services shall be charged to the registered owner ofthe loan and not to me. The Registrar acting solely for this purpose as my irrevocably appointed agent shall be entitled to be delivered and to receive on my behalf IRS Forms W 8 and W 9 and any successor forms or similar tax forms. Notwithstanding anything to the contrary herein, this Note and rights thereunder may be assigned, participated or othenivise transferred in whole or in part only by registration of such assignment, participation or transfer in the Register. Any assignment, participation or transfer of this Note or any rights thereunder The original document is owned by Velocity Investments, LLC and this copywas created on Jul 15, 2019 07:39:02 AM. 12. 13. 14. 15. Copy of the Electronic Originam documentmanaged by the eCme® 0n Demand (EODT') Service. shall be registered in the Register only upon delivery to the Registrar of a duly executed assignment or similar agreement in a form reasonably acceptable to the Registrar. Electronic Communications; Notices; Contacting You. When l applied for a loan from you, | expressly agreed to receive electronically all communications, agreements, documents, notices and disclosures (collectively, "Communications") that you provide in connection with this Note and Upstart Network, |nc.'s sen/icing of my payment obligations under this Note. All Communications given to me by email to my registered email address, or posted on yourWebsite is deemed to have been duly given and effective upon transmission or when they were posted. | agree that you (including any other owner or servicer of my loan) may contact me for any lawful reason, including for the collection of amounts owed to you. No such contact will be deemed unsolicited. You may contact me at such addresses or numbers (including cell phone numbers and landlines) as | may provide to you from time to time and you may use any means of communication, including regular mail, electronic mail, telephone, text message or other technology, to reach me. Iagree that you may use automatic dialing and announcing devices which may play recorded messages. l may contact you at any time to ask that you notcontact me using . r ~ communications from you may cont' ' ns. If my information chang. hone number, Iagree to notify you promp lcan contact you by logging into the We- ing this information in my account prole. I may contact you by emailing support@upstart.com, by calling (650) 204 1000 during your operating hours 9:00 AM Pacic time to 5:00 PM Pacic time, each Monday through Friday that are business days, or by writing via regular mail to Upstart Loan Operations, P.O. Box 61 203, Palo Alto, CA 94306. Credit Inquiries, Loan Information; Inaccurate Information. l authorize you to obtain a credit report on me for any legal purpo - ‘ connection with this Note, ipluding any update, e nsion of credit, review, or collectio f this o .- n. If l request, you will tell me whether any credit port was requested, and if so, the nam . c dit z shl r, - e rt. lb -ve that you have information about - ' . rat’eiha . p ort = ccurate informaon aboutmetoacredit ‘- - - ,lwi ‘ o - i- e- -- .- :-- - -- isinaccurate by writing to you at Upstart Loan Operations, P. 1203, Palo Alto, CA 94306. In doing so, lwill identify the inaccurate information and tell you why l believe it is incorrect. If | have a copy of the credit report that includes the inaccurate information, lwill send a copy of that report to you as well. Governing Law. This Note is governed by federal law and, to the extent not preempted by federal law, the laws of the State of New Jersey (without regard to internal principles of conict of laws). You acknowledge and agree that this Note is made in the State of New Jersey and the laws of the State of New Jersey govern this loan. Disputes; Arbitration. I HAVE READ THIS PROVISION CAREFULLY, AND UNDERSTAND THAT IT LIMITS MY RIGHTS IN THE EVENT OF A DISPUTE BETWEEN YOU AND ME. I UNDERSTAND THAT I HAVE THE RIGHT TO REJECT THIS PROVISION, AS PROVIDED IN PARAGRAPH (ii) BELOW. i. If I have an issue with your sen/ices, or a dispute arises between us, l agree to contact you first. Disput
