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 7:07 PM Reviewed By: R. Nguyen Case #21 CV378926 Envelope: 7946782 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 26-50) 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 26-50) Case N0. 21CV378926 uyen \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO Electmnicaily Christopher D. Mandarich SB 220693 wswemrcwmcawmrflm" “'5’" “'3‘“ Hayk Stambultsyan SB320973 EN 4/1/2021 Amber Swearingen-Ojuri SB324653 33 fflnfimm 3.31m MANDARICH LAW GROUP, LLP Deputy Elerll P.O. Box 109032 Chicago, IL 60610 Phone: 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintifi”; 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-O1 894 Plaintiff, COMPLAINT FOR: VS. 1. ACCOUNT STATED MICHELLE VAZQUEZ, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant“ DEMAND: $3,041.09 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 t0 original creditor, SYNCHRONY BANK. 2.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. 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 SYNCHRONY BANK, 170 ELECTION RD SUITE 125 DRAPER, UT 84020, and the account number associated with this debt is XXXXXXXXXXXX1617. 5.Plaintiff is informed and believes that Defendant are individuals who currently reside Exhibit "26" 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 MICHELLE VAZQUEZ, 809 ROLLINS RD APT 1 , BURLINGAME, CA 94010-2648. 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 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 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 XXXXXXXXXXXXI 617 (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 account was delinquent on November 5, 2018. 15.Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected t0 pay amounts due 0n the Account. 16.The debt balance at charge-off was $3,041 .09, 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 $3,041.09. 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 $3,041 .09 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 $3,041 .09 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 $3,041 .09, 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: 03/24/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-S 0f 5 QML/ ]Christopher D. Mandarich, Esq. Attorneysfor Plaintifl” EXHIBIT A Payfififi CREDH' Statement Closing Date: 09/09/18 View your account online at PayPa|.com Days in Billing Period: 6 0r ca" 1-866-528-3733 8 AM ET t0 11 PM ET Account Numberz-0824 Mon-Fri and 9 AM ET to 9 PM ET Sat-Sun Customer Name: MICHELLE VAZQUEZ ACCOUNT SUMMARY PAYMENT INFORMATION Previous Balance $0.00 New Balance $2,887.41 - Payments & Credits $0.00 Minimum Payment Due $86.00 + Purchases & Adjustments $2,887.41 payment Due Date 10/03/13 + Fees $0.00 + INTEREST CHARGES $000 Late payment warning: If we do not receive your minimum = New Balance $2,887.41 payment by 10/06/18, you may have to pay a late fee-o'f up to $38. Minimum payment warning: If you make only the mInImum payment each period, you wi|| pay more in interest and it will take you longer to pay off your balance. For example: If you make no more You will pay off the And you will end up paying charges using this balance shown on this an estimated total of: account and each statement in about: month you pay: Only the minimum payment $116.00 3 Years 15 Years $8,118.00 $4,191 .00 (Savings = $3,927.00) If you would like information about credit counseling services call 1-888-393-71 66 Posting Date Type Description Amount 09/04/18 Deferred PUPPYSPOT No Interest If Paid In Full $2,887.41 Total Purchases & Adjustments $2,887.41 201 8 Totals Year-To-Date Total Fees Charged in 2018: $0.00 Total Interest Charged in 2018: $0.00 Balance Type Annual Percentage Balance Subject to Interest Charged Current Balance Rate(APR) Interest Rate Standard Purchases 25.74% (v) $0.00 $0.00 $0.00 (v)=VariabIe Rate Promotion Type Posting Annual Percentage Expiration Monthly Accrued Total Accrued Deferred Interest Date Rate(APR) Date Deferred Interest Deferred Interest Balance No Interest IfPaid In Full 09/04/18 25.74% (v) 04/06/19* $12.21 $12.21 $2887.41" (v)=Variable Rate*You must pay your deferred interest balance in full by the expiration date above to avoid paying accrued deferred interest charges. Promotional Purchases: No Interest if Paid in Full in 6 Months Information Certain purchases may qualify for a No Interest if Paid in Full in 6 Months promotion. Under this promotion, if the promotional balance is not paid in full by the expiration date, interest will be imposed from the purchase date at a rate of 25.74%. If a (v) is shown after your APR in the Interest Details section of this billing statement, the APR is a variable rate and will vary with the market based on the Prime Rate. Minimum monthly payments are required. 5539 CAH 001 7 9 180909 0 PAGE 1 of1 10 9156 8000 P8VA O1BT5539 Pa _.y Account Number : - 0824 g REDET New Balance: $2,887.41 1 0/06/1 8Payment Due Date: Please: Make check payable to PayPaI Credit Minimum Payment Due: $86.00 Return this portion with your payment. Write your account number on your check. To receive electronic statements or make online payments Amount Endosed: $ visit PayPaI.com PayPaI Credit MICHELLE VAZQUEZ PO Box 71202 809 ROLLINS RD APT 1 Charlotte NC 28272-1202 BURLINGAME CA 94010-2648 Payments made by mail: Payments made by phone or online: Proper Form: What To Do If You Think You Find A Mistake On Your Statement in writing by mail, through the Resolution Center on www.paypal.com (if you have a PayPal account) or by calling customer service. Your Rights If You Are Dissatisfied With Your Credit Card Purchases The PayPal Credit account is issued by Synchrony Bank. Amount to Avoid Standard and Deferred Interest on your next statement Standard Purchases and Cash Advances Deferred Interest Purchases Expiring This Billing Cycle Easy Payments Purchases Monthly Plan Payments Note: ANY INSTRUMENT TENDERED AS FULL SATISFACTION OF A DISPUTED DEBT MUST BE SENT TO: PayPal Credit, P.O. Box 5018, Timonium, MD 21094. Payment Crediting and Requirements Notice About Payments You Make by Check Paying Interest How We Calculate the Balance on Which the Interest is Computed Billing Rights Summary Correspondence IMPORTANT INFORMATION ABOUT PAYPAL CREDIT If we receive your payment in Proper Form at the P.O. Box set forth in this billing statement by 5 p.m. Eastern Time, we will credit it as of that day. If we receive your payment in Proper Form at the P.O. Box set forth in this billing statement after 5 p.m. Eastern Time we will credit it as of the next day. If you make a payment by phone or online, before 11:59 p.m. Pacific Time, we will credit it as of the date the payment is made. For a payment made by mail to be in proper form, you must: Enclose a check or money order drawn on funds on deposit with a U.S. financial institution or U.S. branch of a foreign financial institution. Do not send cash, foreign currency or post-dated checks; and Send your payment either: (i) by overnight mail with the payment coupon or your account number written on the payment instrument, or (ii) by regular mail with the payment coupon in the envelope provided and with the P.O. Box address visible through the envelope window. Any payments not in Proper Form or that are made using a third-party bill pay service provider will be deemed non-conforming and may be refused. If we accept a non-conforming payment, we will credit it to your Account no more than five days after the date we receive it, unless otherwise required by law. If you pay by check, you authorize us to make a one-time electronic fund transfer from your bank account. When we do so, your bank account may be debited for the amount of the check as early as the day we receive your payment. You will not receive your check back. If you have any questions about this, please call customer service at 1-866-528-3733. Your due date is at least 25 days after the close of each Billing Cycle. We will not charge any interest on Standard Purchases or Cash Advances if you pay your entire balance by the due date each month. We will begin charging interest on Promotional Purchases on the purchase date. We calculate interest for each Billing Cycle using the Average Daily Balance (including new Purchases and Cash Advances) method. A separate daily balance is calculated for each balance type. These balance types include, for example, Standard Purchases, Cash Advances, and different Promotional Purchases. To get the Average Daily Balance, we take the starting balance each day for each balance type, add any new Purchases and adjustments posted that day, including billed interest and billed fees, and subtract any payments and credits (treating any net credit balance as zero). This gives us the daily balance. Then, we add up all the daily balances for the Billing Cycle and divide the total by the number of days in the Billing Cycle. The result is the Average Daily Balance for each balance type. The Average Daily Balance is referred to as "Balance Subject to Interest Rate" on your statement. (see PAYMENT INFORMATION box on front page). This amount includes: Purchases without any promotional offer and Cash Advances. Purchases made with 'No Payments + No Interest if paid in full' and 'No Interest if paid in full' promotions that are about to expire. Although unrelated to avoiding Standard and Deferred Interest, we include Monthly Plan Payments to help you avoid late fees. If you have a Financed Easy Payments Purchase balance, you will continue to be assessed interest on the Easy Payments Purchase balance until it is paid in full. If you think there is an error on your statement, write to us at: PayPal Credit, P.O. Box 5018, Timonium, MD 21094 or call customer service at 1-866-528-3733. If your PayPal Credit Account is linked to a PayPal account, you can also communicate the error through the Resolution Center on PayPal.com. 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 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 You may email 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. 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. ( Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: PayPal Credit, P.O. Box 5018, Timonium, MD 21094, or call customer service at 1-866-528-3733. If your PayPal Credit Account is linked to a PayPal account, you can also communicate through the Resolution Center on paypal.com. 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. If you have any other questions relating to your billing statements that are not related to billing errors please write to: PayPal Credit, P.O. Box 5138, Timonium, MD 21094. BMLCU0718 OM5539BN - 7 - July 2, 2018 ³ ³ ³ ³ ³ ³ ³ ³ ³ EXHIBIT B Payfififi CREDH' Statement Closing Date: 03/09/19 Days in Billing Period: 28 Account Number: 0824 Customer Name: MICHELLE VAZQUEZ View your account online at PayPa|.com or call 1-866-528-3733 8 AM ET to 11 PM ET Mon-Fri and 9 AM ET to 9 PM ET Sat-Sun ACCOUNT SUMMARY Previous Balance $3,038.06 - Payments & Credits $0.00 + Purchases & Adjustments $0.00 + Fees $0.00 + INTEREST CHARGES $3.03 = New Balance $3,041.09 PAYMENT INFORMATION New Balance $3,041 .09 Minimum Payment Due $623.00 Payment Due Date 04/06/19 Amount to avoid Standard and Deferred Interest on your next statement: $334109 See Reverse Your account remains seriously delinquent. Please pay your minimum payment due immediately to prevent any further collections action from being taken on your account. We may have payment programs that may help you. Please log onto your PayPal account at www.paypal.com to see if you have any payment programs available on your PayPal Credit account tile. Late payment warning: If we do not receive your minimum payment by 04/06/19, you may have to pay a late fee of up to $38. Minimum payment warning: If you make only the minimum payment each period, you wi|| pay more in interest and it will take you longer to pay off your balance. For example: If you make no more charges using this account and each month you pay: You will pay off the And you will end up paying balance shown on this an estimated total of: statement in about: IMPORTANT NOTICE: THIS COMMUNICATION IS AN Only the minimum payment 12 Years $8,118.00 ATTEMPT T0 COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Send bankruptcy noticeslrelated correspondence to P.0. Box 5138, Timonium, MD 21 094. $4,985.00 (Savings = $3,133.00) If you would like information about credit counseling services call 1-888-393-71 66 $138.00 3 Years 0n June 21, 2019, the payment cutoff time for online and phone payments is changing from 11:59pm Pacific time to 11:59pm Eastern time. Payments received by 11:59pm Eastern time will be credited same day. Descri ptionPosti Amount 03/09/19 Interest Charge on Purchases $3.03 Total Interest $3.03 201 9 Totals Year-To-Date Total Fees Charged in 2019: $38.00 Total Interest Charged in 2019: $8.68 IMPORTANT ACCOUNT INFORMATION YOUR ACCOUNT IS CURRENTLY CLOSED. Interest ChargedBalance Type Annual Percentage Balance Subject to Current Balance Rate(APR) Interest Rate Standard Purchases 26.24% (v) $150.65 $3.03 $153.68 (v)=VariabIe Rate 5539 CAH 001 7 9 190308 0 EXPAGE 1 of 2 Pay CREDH' Please: Make check payable to PayPaI Credit Return this portion with your payment. Write your account number on your check. To receive electronic statements or make online payments visit PayPaI.com PayPaI Credit PO Box 71202 Chaflotte NC 28272-1202 Interest Details Continued On Next Page 10 9156 8000 P8VB O1BT5539 -0824Account Number : New Balance: $3,041 .09 Payment Due Date: 04/06/19 Minimum Payment Due: $623.00 Amount Enclosed: $ MICHELLE VAZQUEZ 809 ROLLINS RD APT 1 BURLINGAME CA 94010-2648 Payments made by mail: Payments made by phone or online: Proper Form: What To Do If You Think You Find A Mistake On Your Statement in writing by mail, through the Resolution Center on www.paypal.com (if you have a PayPal account) or by calling customer service. Your Rights If You Are Dissatisfied With Your Credit Card Purchases The PayPal Credit account is issued by Synchrony Bank. Amount to Avoid Standard and Deferred Interest on your next statement Standard Purchases and Cash Advances Deferred Interest Purchases Expiring This Billing Cycle Easy Payments Purchases Monthly Plan Payments Note: ANY INSTRUMENT TENDERED AS FULL SATISFACTION OF A DISPUTED DEBT MUST BE SENT TO: PayPal Credit, P.O. Box 5018, Timonium, MD 21094. Payment Crediting and Requirements Notice About Payments You Make by Check Paying Interest How We Calculate the Balance on Which the Interest is Computed Billing Rights Summary Correspondence IMPORTANT INFORMATION ABOUT PAYPAL CREDIT If we receive your payment in Proper Form at the P.O. Box set forth in this billing statement by 5 p.m. Eastern Time, we will credit it as of that day. If we receive your payment in Proper Form at the P.O. Box set forth in this billing statement after 5 p.m. Eastern Time we will credit it as of the next day. If you make a payment by phone or online, before 11:59 p.m. Pacific Time, we will credit it as of the date the payment is made. For a payment made by mail to be in proper form, you must: Enclose a check or money order drawn on funds on deposit with a U.S. financial institution or U.S. branch of a foreign financial institution. Do not send cash, foreign currency or post-dated checks; and Send your payment either: (i) by overnight mail with the payment coupon or your account number written on the payment instrument, or (ii) by regular mail with the payment coupon in the envelope provided and with the P.O. Box address visible through the envelope window. Any payments not in Proper Form or that are made using a third-party bill pay service provider will be deemed non-conforming and may be refused. If we accept a non-conforming payment, we will credit it to your Account no more than five days after the date we receive it, unless otherwise required by law. If you pay by check, you authorize us to make a one-time electronic fund transfer from your bank account. When we do so, your bank account may be debited for the amount of the check as early as the day we receive your payment. You will not receive your check back. If you have any questions about this, please call customer service at 1-866-528-3733. Your due date is at least 25 days after the close of each Billing Cycle. We will not charge any interest on Standard Purchases or Cash Advances if you pay your entire balance by the due date each month. We will begin charging interest on Promotional Purchases on the purchase date. We calculate interest for each Billing Cycle using the Average Daily Balance (including new Purchases and Cash Advances) method. A separate daily balance is calculated for each balance type. These balance types include, for example, Standard Purchases, Cash Advances, and different Promotional Purchases. To get the Average Daily Balance, we take the starting balance each day for each balance type, add any new Purchases and adjustments posted that day, including billed interest and billed fees, and subtract any payments and credits (treating any net credit balance as zero). This gives us the daily balance. Then, we add up all the daily balances for the Billing Cycle and divide the total by the number of days in the Billing Cycle. The result is the Average Daily Balance for each balance type. The Average Daily Balance is referred to as "Balance Subject to Interest Rate" on your statement. (see PAYMENT INFORMATION box on front page). This amount includes: Purchases without any promotional offer and Cash Advances. Purchases made with 'No Payments + No Interest if paid in full' and 'No Interest if paid in full' promotions that are about to expire. Although unrelated to avoiding Standard and Deferred Interest, we include Monthly Plan Payments to help you avoid late fees. If you have a Financed Easy Payments Purchase balance, you will continue to be assessed interest on the Easy Payments Purchase balance until it is paid in full. If you think there is an error on your statement, write to us at: PayPal Credit, P.O. Box 5018, Timonium, MD 21094 or call customer service at 1-866-528-3733. If your PayPal Credit Account is linked to a PayPal account, you can also communicate the error through the Resolution Center on PayPal.com. 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 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 You may email 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. 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. ( Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: PayPal Credit, P.O. Box 5018, Timonium, MD 21094, or call customer service at 1-866-528-3733. If your PayPal Credit Account is linked to a PayPal account, you can also communicate through the Resolution Center on paypal.com. 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. If you have any other questions relating to your billing statements that are not related to billing errors please write to: PayPal Credit, P.O. Box 5138, Timonium, MD 21094. BMLCU0718 OM5539BN - 7 - July 2, 2018 ³ ³ ³ ³ ³ ³ ³ ³ ³ Statement Closing Date; 03/09/19 View your account online at PayPa|.com Days in Billing Period: 28 or call 1-866-528-3733 8 AM ET to 11 PM ET Account Number=-824 Mon-Fri and 9 AM ET to 9 PM ET Sat-Sun Promotion Type Posting Annual Percentage Expiration Monthly Accrued Total Accrued Deferred Interest Date Rate(APR) Date Deferred Interest Deferred Interest Balance No Interest If Paid In Full 09/04/18 26.24% (v) 04/06/19* $58.12 $384.88 $2,887.41* (v)=Variable Rate*You must pay your deferred interest balance in full by the expiration date above to avoid paying accrued deferred interest charges. Promotional Purchases: No Interest if Paid in Full in 6 Months Information Certain purchases may qualify for a No Interest if Paid in Full in 6 Months promotion. Under this promotion, if the promotional balance is not paid in full by the expiration date, interest will be imposed from the purchase date at a rate of 26.24%. If a (v) is shown after your APR in the Interest Details section of this billing statement, the APR is a variable rate and will vary with the market based on the Prime Rate. Minimum monthly payments are required. 5539 CAH 001 7 9 190308 0 EXPAGE 2 of 2 10 9156 8000 PBVB O1BT5539 \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO Eledimnicaily try Supa'iurfuurt cf Ealifmniaiuunfinf Eran Maren Christopher D. Mandarich SB 220693 DH 4/1 /2021 Hayk Stambultsyan SB320973 hi TAmber Swearingen-Ojuri SB324653 W MANDARICH LAW GROUP, LLP P.O. BOX 109032 Chicago, IL 60610 Phone: 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintifi”; 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-O1 897 Plaintiff, VS. 1. ACCOUNT STATED ELBA LOPEZ, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant DEMAND: $9,105.64 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 of the debt at issue. 3. 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. 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 to show their true names and capacities once ascertained. 5. Plaintiff believes and at all times mentioned herein, each 0f 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 Exhibit "27" 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 CITIBANK, N.A. CREDIT ACCOUNT XXXXXXXXXXXX2931 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, CITIBANK, N.A.. 8. The subject credit account has been purchased by the following entities after charge-off: The subject credit account was transferred by CITIBANK, 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 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 XXXXXXXXXXXX293 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 ELBA LOPEZ, 951 4TH AVE , REDWOOD CITY, CA 94063-4006. 11.The date 0f last payment on the subject account was on June 14, 2018. 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 $6,332.93, 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 $6,233.22. 15. Upon information and belief, CITIBANK, 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 XXXXXXXXXXXX4891 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 of charge-offis CITIBANK, N.A., 701 EAST 60TH STREET NORTH SIOUX FALLS, SD 571 17, and the account number associated with this debt is XXXXXXXXXXXX489 1. 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 ELBA LOPEZ, 951 4TH AVE , REDWOOD CITY, CA 94063-4006. 24. The date of last payment 0n the subject account was 0n June 23, 2018. 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 $2,872.42, 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 $2,872.42. 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 XXXXXXXXXXXX2931 and Credit Account XXXXXXXXXXXX4891 (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 of $9,105.64 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 $9,105.64 has not been paid, and it is now due, owing and unpaid from Defendant t0 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 9,105.64, 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: 03/23/2021 By: /// /// /// MANDARICH LAW GROUP, LLP QMM Christopher D. Mandarich SB 220693 Attorneysfor Plaintifl Complaint Page 8 EXHIBIT A Costco Anywhere Visa® Card by Citi ELBA LOPEZ Member Since 2017 Account number ending in: 2931 Billing Period: 01/18/18-02/19/18 FEBRUARY STATEMENT Minimum payment due: $83.71 New balance as of 02/1 9/18: $5,276.57 Payment due date: 03/15/18 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 $37 and your APRS may be increased up to the variable 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 pa offthe balance And you will end up charges using this card shown on t e statement in pfaying an estimated total oand each month you pay... about... Onlythe minimum payment 21 years $13,885 $1 88 3 years $6768 (Savings = $7,1 1 7) For information about credit counseling services, call 1-877-337-8187. Pay your bill from virtually anywhere with the Citi Mobile® App and Citi® Online To download: Text 'App15' to MyCiti (692484) or go to your device's app store. Or visit www.citicards.com www.citicards.com Customer Service 1-855-378-6467 TTY-hearing-impaired services only 1-866-210-0617 PO Box 790046 ST. LOUIS, MO 63179-0046 Account Summary Previous balance $5,098.73 Payments -$100.00 Credits $152.24 Pu rchases +$398.37 Cash advances +$0.00 Fees +$0.00 Interest +$31.71 New balance $5,276.57 Credit Limit Credit Limit $5,500 Includes $1,700.00 cash advance limit Available Credit Limit $223 Includes $223 available for cash advance CItI' EOE i’ 4100 390i 2345 6789 Vl ~ Costco Cash Rewards Summary as of 02/19/18 $28.69 » See paqe 3 for more information about your rewards Please printAddress Changes on the reverse side Minimum payment due $83.71 New balance $5,276.57 Payment due date 03/1 5/18 Amount enclosed: 000000 NC 00 | 0 Account number ending in 2931 Citi Cards PO BOX 7801 9 Phoenix, AZ 85062-801 9 ELBA LOPEZ 951 4TH AVE REDWOOD CITY CA 94063-4006 www.citicards.com Customer Service 1-855-378-6467 Page 2 of 3 TTY-hearing-impaired services only 1-866-210-0617ELBA LOPEZ CARDHOLDER SUMMARY ACCOUNT SUMMARY Sale Post Date Date Description Amount Payments, Credits and Adjustments 02/12 PAYMENT THANK YOU $100.00 02/06 02/06 COSTCO WHSE #1042 REDWOOD CITY CA $152.24 ELBA LOPEZ Standard Purchases 01/23 01/23 COSTCO GAS #1042 REDWOOD CITY CA $36.58 01/24 01/24 ALANAS CAFE REDWOOD CITY CA $21.43 01/24 01/24 COSTCO WHSE #1042 REDWOOD CITY CA $68.81 01/27 01/27 PLAYAS DE NAYARIT LLC EL MONTE CA $25.00 02/01 02/01 HOMETOWN NOODLE REDWOOD CITY CA $25.11 02/05 02/05 GROCERY OUTLET REDWOOD CITY CA $134.57 02/06 02/06 COSTCO GAS #1042 REDWOOD CITY CA $37.87 02/06 02/06 COSTCO GAS #1042 REDWOOD CITY CA $49.00 Fees Charged TOTAL FEES FOR THIS PERIOD $0.00 Interest Charged 02/19 INTEREST CHARGED TO STANDARD ADV $31.71 TOTAL INTEREST FOR THIS PERIOD $31.71 2018 totals year-to-date Total fees charged in 2018 $10.00 Total interest charged in 2018 $59.12 Interest charge calculation Your Annual Percentage Rate (APR)is the annual interest rate on your account. Days in billing cyc|e233 Annual percentage Balance subject Balance type rate (APR) to interest rate PURCHASES Interest charge Standard Purch 0.00% $3,936.78 (D) $0.00 (Introductory Rate Expires 05/13/18) ADVANCES Standard Adv 26.49% (V) $1,324.07 (D) $31.71 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 Important: To receive a credit card reward certificate you must have earned more than $1 in rewards through your December 2017 statement closing date and your account must be open at the time your certificate is issued in February. Add authorized users to your account. Each authorized user card earns Costco Cash Rewards on purchases inside and outside of Costco. Each authorized user must have and maintain a valid Costco membership. Earn cash back even faster by adding authorized users. Learn more about adding authorized users at www.citicards.com. Costco Cash Rewards Summary Total Costco Cash Rewards Balance: $28.69 Costco Cash Rewards Summary Costco Cash Rewards balance as of last statement +$21.92 Earned this period +$6.77 Total Costco Cash Rewards Balance Year To Date: $28.69 Costco Cash Rewards Earned This Period 4% on eligible gas worldwide, including gas at Costco‘ +$4.94 3% on restaurants +$2.15 3% on eligible travel worldwide +$0.00 2% on Costco and Costco.com -$1.67 1% on a|| other purchases +$1.35 Total Earned: $6.77 » Visit citi.com/Costco for more information 1Up to $7,000 per year in purchases, then 1% cash back www.citicards.com Customer Service 1-855-378-6467 TTY-hearing-impaired services only 1-866-210-0617ELBA LOPEZ Remember, any charges above your credit limit MUST BE PAID IN FULL by your statement's payment due date. Please be sure to pay on time. If you submit your payment by mail, we suggest you mail it no later than 03/08/2018 to allow enough time for regular mail to reach us. Page 3 of 3 EXHIBIT B Costco Anywhere Visa® Card by Citi cftT ELBA LOPEZ Member Since 2017 Account number ending in: 2931 Billing Period: 11/20/18-12/19/18 DECEMBER STATEMENT Minimum payment due: $2,017.04 New balance as of 12/1 9/18: $6,233.22 Payment due date: 01/1 5/19 See,the back of this statement for important information about how to avoid paying Interest 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 $37 and your APRs may be increased up to the Penalty APR of 29.99%. 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: If you make no additional charges using this card and each month you pay... You will pa off the balance And you will end up srbmwtn ont e statement in pfaying an estimated total a ou o Only the minimum payment 19 years $13,581 For information about credit counseling services, call 1-877-337-81 88. Pay your bill from virtually anywhere with the Citi Mobilé” App and CitP Online To download: Text 'App1 5' to MyCiti (692484) or go to your device's app store. Or visit www.citicards.com www.citicards.com Customer Service 1-855-378-6467 TTY-hearing-impaired services only 1-866-210-0617 PO Box 790046 ST. LOUIS, MO 63179-0046 Your account is past due. Please pay at least the minimum payment due, which includes a past due amount of $1085.18 and an overlimit amount of $733.22. Account Summary Previous balance $6,096.58 Payments -$0.00 Credits -$0.00 Pu rchases +$0.00 Cash advances +$0.00 Fees +$37.00 Interest +$99.64 New balance $6,233.22 Credit Limit Credit Limit $5,500 Includes $1,700.00 cash advance limit Please printAddress Changes on the reverse side Minimum payment due $2,017.04 New balance $6,233.22 Payment due date 01l1 5/19 Amount enclosed: Account number ending in 2931000000 NC 32 A 0 ELBA LOPEZ 951 4TH AVE REDWOOD CITY CA 94063-4006 Citi Cards PO BOX 7801 9 Phoenix, AZ 85062-801 9 www.citicards.com Customer Service 1-855-378-6467 Page 2 of 2 TTY-hearing-impaired services only 1-866-210-0617 ELBA LOPEZ CARDHOLDER SUMMARY ACCOUNT SUMMARY Sale Post Date Date Description Amount Fees Charged 12/19 LATE FEE - Nov PAYMENT PAST DUE $37.00 Interest Charged 12/19 INTEREST CHARGED TO ADV PR-11/07/18. $34.23 {éfié """""""" iN'TE'Fé'E'é'fEHRr'e'i-Q'E'fiié"é'fANb'A'rébBU'ééh '''''''''''''''''''''''''''''' €653 Iiiié""'m""miNfé'ré'té'fEHAEEE'B$6EOEE'Féli'ijbifiiéj"m"'m"'m""m"'""""""""'éé'z'i'éé TOTAL INTEREST FOR THIS PERIOD $99.64 2018 totals year-to-date Total fees charged in 2018 $232.00 Total interest charged in 2018 $821.10 Interest charge calculation Days in bimng cyclezao 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 'bU'FéEHA’éEé ''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ""é’t’éhdé’r’d’fifik’éfi """"""""""""""""" 1' {£55295 """"""" éé'i'z'ékb') """"""""""""""" éb’é’é’ """ 6 Q'Fb'é'fib'fié""'"""'"""'"""'"""'"'i'v'j'zlikagfklj"""Eltéiélgé26')""'"""'"""""""§éé'é’é’ 'Kb'v/KNEEé '''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ""é’t’é’ridé’r'al'av """""""""""""""""" gi'z'Li'okg'AI)’ """""""" é656265 """"""""""""""" 's'é'b'c'i' ""Kéi'v'fi'r'i'iéfié """""""""""""""""" giggly;EV)""""'é’1’,’5"2'é2éé'(65 """""""""""""" ééZféS' 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. Please be sure to pay on time. If you submit your payment by mail, we suggest you mail it no later than 01/08/2019 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. Visa(R) is a registered trademark of Visa International Service Association. EXHIBIT C TD TE EH Account Statement Send Notice of Billing Errors and Customer Service Inquiries to: BEST BUY CREDIT SERVICESCUStomer serV'ce' Po Box 790441 , St Louis, M0 63179My Best Buy‘g‘ o bestbuyaeeountonlinenom . A Account Inquiries:Visa“ Ca rd 1-888-574-1 3019900 1234 557s 90M Account Number: _ 4891“swarms r . . N r W Summary of Account Actrvrty Payment Information PreVIous Balance $2,360.86 New Balance $2,357.31 Payments , "$6000 Minimum Payment Due $81 .OOOther credlts _$O'OO Pa ment Due Date Jul 22 2018Purchases +$0.00 y y ’ Cash Advances +$0,00 Late Payment Warning: If we do not receive your minimum payment by the Fees Charged +$27_00 date listed above, you may have to pay alate fee up to $38. Interest Charqed +$29.45 Minimum Payment Warning: If you make only the minimum payment each New Ba|ance $2,357.31 period, you will pay more in interest and it will take you longer to pay off your balance. For example: kPaSt Due Amount $000 J If you make no additional You will pay oft the And you will (Credit Limit $2 500 00 \ charges using this card balance shown on this end up paying an’ ' and a h th ou tatem nti b0 t... stmat dt tal f,.. Available Credit $142.00 e C mo” y pay S e n a u e ' e ° 0 Cash Advance Limit $200.00 Only the minimum payment 14 years $7,493 Available Cash Limit $142.00 $103 3 $3,690. . . years . _ Amount Over Credit Limit $0.00 (saV’ngs-$3i803) Statement Closing Date 06/27/201 8 it you would like information about credit counseling services, call 1-877-337-8187. Next Statement Closing Date 07/27/2018 kDays in Billing Cycle 30 k MONTH FINANCING‘ ON STOREWlDE PURCHASES $399 & UP ‘Subjectto creditapproval. Terms and conditions apply.Easy Replenish” purchases excluded. See a store for details.1 You must pay your promotional balance of$1,042.49 in full by 07/22l19 to avoid paying deferred interest charges. Please update your phone number, including cell phone number on the back of the payment coupon. TRANSACTIONS Trans Date Description Reference # Amount 06/23 PAYMENT - THANK YOU *0200140180623002004972 $ 60.00- GIFTING MADE EASY with Best Buy‘i“ gift cards. Learn more at BestBuy.com/giftcards 8 HM 19 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. PLEASE SEE IMPORTANT INFORMATION ON PAGE 2. Page1 of 6 Your Account Number is - 4891 OBES'I' Payment Due Date July 22, 2018 Po Box 6204 New Balance $2,357.31 sroux FALLs, so 571 17-6204 Past Due Amount $0.00 Minimum Payment Due $81 .00 Statement Enclosed Amount Enclosed: $ Please print address changes on the reverse side. Make Checks Payable tov BEST BUY CREDIT SERVICES PO BOX 78009 PHOENIX, AZ 85062-8009 ELBA LOPEZ 951 4TH AVE REDWOOD CITY, CA 94063-4006 TD TE EH Information About Your Account. How to Avoid Paying Interest on Purchases. Your payment due date is at least 25 days afterthe 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. We will begin charging interest on cash advances and balance transfers on the transaction date. If you have a balance subject to a deferred interest promotion and that promotion does not expire before the payment due date, that balance (an “excluded balance") is excluded from the amount you must pay in full to get a grace period on a purchase balance otherthan an excluded balance. ln addition, if you have a reduced rate credit plan, that balance (an “excluded balance") is excluded from the amount you must pay in full to get a grace period on a purchase balance other than an excluded balance. 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, otherthan an excluded balance, so long as you pay the New Balance (less any excluded balance, plus any separately required payment on an excluded balance) in full by the payment due date each billing cycle. Deferred interest offers may also be called Same As Cash or No Interest. ln addition, certain 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 that is the case, the promotional offer will describe what happens. How We Calculate Your Balance Subject to Interest Rate. We use a daily balance method (including current transactions) to calculate interest charges. To find out more information about the balance computation method and how the resulting interest charges were determined, contact us at the Account Inquiries number on the front. Balance Transfers. Balance transfer amounts are included in the “Purchases" line in the Summary of Account Activity. Membership Fee. Some accounts are charged a membership fee. To avoid paying this fee, notify us that you are closing your account within 30 days of the mailing or delivery date of the statement on which the fee is billed. Minimum Interest Charge. lf we charge interest, the charge will be no less than $1. 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 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 properform 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. 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 (Where Available). 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. Not all stores accept payments. Contact your local store to see if in-store payments are accepted at that location. - Online. Go to the URL on Pagel of yourstatement 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 ofyour 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 ofyour statement to make a payment. There is no fee for this service. - Express Mail. Send payment by courier or 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 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 thinkthere is an error on your statement, write to us at the address for billing errors and customer service inquiries shown on Pagel of yourstatement. 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 yourstatement, 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 forthe remainder ofyour 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. BBY MC NA FEBTB /A/- HM - 3356-7203-0001 - N2 -/B/- 443841 1773 - E -/C/- - O - - 93 -/D/- P - - - O - N -/E/- O - - - O - O -/F/- 01/29/18 - 12/01/17 - 6 - May 28, 2018 /G/-N- - - -/H/-O- -YZBB-V -/|/-N- -O-O- - -/J/- Page 2 of 6 Please provide change of address and update/add your phone numbers‘here: L « a \ A» > ‘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. *Cell: *Home: Please update your financial information. Keeping our records current will allow us to better serve your credit needs. Total Annual Net lncometz Monthly Mortgage or Rent Payment: tTotal Annual Net Income: Total Annual Net Income is your yearly income after taxes. If you are 21 or older, you may include income from others that you can reasonably access to pay your bills. You do not have to include alimony, child support, or separate maintenance income if you do not want it considered as a basis for repaying this debt. ED TE EH Account. **** **** **** 4891 TRANSACTIONS (cont) Trans Date Description Reference # Amount 06/22 LATE FEE $ 27.00 TOTAL FEES FOR THIS PERIOD $ 27.00 INTEREST CHARGE_D 06/27 INTEREST CHARGE ON PURCHASES $ 29.45 TOTAL INTEREST FOR THIS PERIOD $ 29.45 201 8 TotaIs Year-to-Date Total Fees Charged in 2018 $27.00 Total Interest Charged in 2018 $99.36 ACTIVITY AND PROMOTIONS DETAIL Original Purchases, Promotion Promo Payments Cash Adv, 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 REGULAR - - $1 ,318.37 $60.00- $27.00 $29.45 $1 ,314.82 NO INT W/PYMTS FOR 18 MOS $1 ,092.49 12/23/17 $1 ,042.49 $1 ,042.49 $153.78 07mm CASH ADVANCES REGULAR TOTAL $2,360.86 $60.00- $27.00 $29.45 $2,357.31 $0.00 $153.78 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge PURCHASES REGULAR 26.99% (M)(V) $1 ,327.98 $29.45 NO INT W/PYMTS FOR 18 MOS 26.99% (M)(V) - - CASH ADVANCES REGULAR 29.74% (M)(V) $0.00 $0.00 (V) = Variable Rate Use your My Best Buy® Visa® Card to pay for all your spring travel from airfare to taxis and get 3% back in rewards. Learn more at BestBuy.com/MyBestBuyVisa. 1 Valid 4/1 I1 8-6/30/1 8. Get 1.5 points per $1 spent (3% back in rewards) on net purchases made at airlines, car rental agencies, commutertransportation, taxis/limousines, passenger railways and bus lines. Subject to merchant classification of Visa® transactions on which we rely. 2018 Best Buy. All rights reserved. Page 3 of 6 All the time'E D TE EH Meet Total Tech Support, a membership dedicated to supporting all the tech in your home-no matter where or when you bought it. Get support in store, in your home, over the phone or online. Learnmore at BestBuy.com/TotaITechSupport w iii; WW _ v a rr rir irirrix um i i v i $5M» Page 4 of 6 FREE SHIPPING Learn more at BestBuy.com/shipping *To getfree shipping and free scheduled delivery, sign In before you check out and make sure your member ID has been added to youraccount. If you haven’talready done so, you can add your member ID to youraccount during checkout. Select Items limited to free Standard Shipping atthe time of purchase OUTLET ED TE Eh UP O FRIDAYS, SATURDAYSTO AND SUNDAYSO 11 A.M.-7P.M. O F F1 Find the Nearest Outlet Store atBestBuy.com/warehousesale C LEARANCE & O P EN __ BOX “Markdowns taken from regular prrcesto Was prices Minimum savings is 5% Offerlimited to in-stock items Selection varies by location No rainchecks Notvalid With MAJOR APPLIANCES & MORE EVEN WHEN MOM’S HOME ALONE, SHE DOESN’T HAVE TO BE ON HER OWN Best Buy® Assured Living is an affordable new service that helps you proactively monitor your parent’s safety in their own home. [ASSURED LIVING -‘ , memberzsi Call us at 1-855-569-6538 or visit BestBuy.com/Assu red Living to learn more. FrontDoor 2018 Best Buy All iightsieseivetl memo Page 5 of 6 ED TE Eh MONTH FINANCING ON UNLOCKED PHONE AND GEEK SOUAD® PURCHASES $649 & UP *Subject to credit approval. Terms and conditions apply. Easy Replenish“ purchases excluded. GeekSquad purchase must be associated with qualifying product(s). See a store fordetails. Page 6 of 6 EXHIBIT D '[DTEHI'I Visa“ Card My Best Buy" o Customer Service:besibuymrflnninemm Account Inquiries: 1-338-520-53H Account Statement Send Notice 01 Billing Emma and Custameu Service Inquiries tn: BEST BUY CREDIT SERVICES PO Em: ?Q-Ddd 1. SI Launs MO 831 ?9 Account Number:-4891 r" “a F “W Summary Of Account Acflwty Payment information PreVIous Balance $2,?92BQ New Balance $237,342 S?Emegtzdts "$333 Minimum Payment Due M15142er r I - _ purchases $0.00 Payment Due Date February 22, 201 9 Cash Advances +$0_UU Late Payment warning: Ir we do not receixre your minimum payment by the Fees Charged 433330 date listed abover you may have to pay alate lee up to $35. Interest Charged +$41 .53 Minimum Payment Warning: Ii you make only the minimum payment each New Ba|ance $1372.42 period, you will pay more in interest and it will take you longer to pay off your balance. For example: kPaSt Due Arno” "t $6m'm J ll you makem additional You will pay off the_ And you_wil| (Credit Um.“ $0 OD 1‘ charges usung thl$ card balance shqwn on this end up paying an _ _ ' and each month ou a statement In about... eshmated total of... Available Credll $000 _ _ Y P 3f Cash Advance Limit $000 Only the minimum payment 14 years. $?,91‘r’ Available Cash Limit $000 $133 3 $4,?34 . . . yeara . _ Amount Over Credit LImIt $3?2.42 rsav’”93-53J ’33) Statement Closinq Date 01f28f201 9 Ir you wuuld like in1mmanon abom credit counseling samices, can 1-3??-33?-a133. Next Statement Closing Date 02525201 9 kDays in Billing Cycle 31 J k J You mU$l pay your promotional balance OI $1,042.49 in full by DWZZHQ to avoid paying deterred inlereat chalgea. Please see the enclosed privacy notice for important inlormation. For phone paymentsr you authorize us to electronically debit your specified bank account by an AGH transaction 'In the amount and on Such dale lhatyou indicate on the phone. You may cancel a phone payment by calling us at [he CuStomer Service number at the top oi page 1 within the timetrame di$clo$ed to you 0n the phone. Please note that if we received your pay by phone or online payment between 5 pm. ET and midnight ET 0n the last day of your billing period. your payment will not be reflected until your next Statement. Pleafie update you: phOne number, including cell phone number 0n the back 0t the payment coupon. PLEASE SEE IMPORTANT INFORMATION ON PAGE 2. "' 3'9??? EELaEL‘ EE_dJEEUIL‘ l‘l‘E‘i‘Pflr HE”. “fl”! £991 EEET‘E'E'. [WEE ELBHPELETPE'L‘ -_ BFE'L‘PPEEL EETI'E’L‘ I‘E'Ji‘lul I‘E‘E‘Z'E'E -_ _ 4’ F'O BOX 6204 Slflux FALLS. SD 5T1 116204 Statement Entlosed ELBA LOPEZ 951 4TH AVE REDWOOD CITY. CA 94D53-4DDE Your Account Number i5- 4391Page 1 of 6 E HM 19This Accounl is Issued by Citibank, NA. Payment Due Dale February 22. 201 9 Haw B alanca $2,a?2.42 Past Due AmountT $6?6.flu Minimum Payment Due $1,1 5?.42 Amount Enclosed: $ TF'ast Due Amounl i5 included In the Mmirnum Paymenl Due. Please print addreaa changes an Ihe raverse aide. Make Checks Payable In v BEST BUY CREDIT SERVICES PO BOX ?8009 PHOENIX! AZ 85%2-8009 TD TE EH Information About Your Account. How to Avoid Paying Interest on Purchases. Your payment due date is at least 25 days afterthe 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. We will begin charging interest on cash advances and balance transfers on the transaction date. If you have a balance subject to a deferred interest promotion and that promotion does not expire before the payment due date, that balance (an “excluded balance") is excluded from the amount you must pay in full to get a grace period on a purchase balance otherthan an excluded balance. ln addition, if you have a reduced rate credit plan, that balance (an “excluded balance") is excluded from the amount you must pay in full to get a grace period on a purchase balance other than an excluded balance. 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, otherthan an excluded balance, so long as you pay the New Balance (less any excluded balance, plus any separately required payment on an excluded balance) in full by the payment due date each billing cycle. Deferred interest offers may also be called Same As Cash or No Interest. ln addition, certain 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 that is the case, the promotional offer will describe what happens. How We Calculate Your Balance Subject to Interest Rate. We use a daily balance method (including current transactions) to calculate interest charges. To find out more information about the balance computation method and how the resulting interest charges were determined, contact us at the Account Inquiries number on the front. Balance Transfers. Balance transfer amounts are included in the “Purchases" line in the Summary of Account Activity. Membership Fee. Some accounts are charged a membership fee. To avoid paying this fee, notify us that you are closing your account within 30 days of the mailing or delivery date of the statement on which the fee is billed. Minimum Interest Charge. lf we charge interest, the charge will be no less than $1. 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 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 properform 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. 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 (Where Available). 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. Not all stores accept payments. Contact your local store to see if in-store payments are accepted at that location. - Online. Go to the URL on Pagel of yourstatement 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 ofyour statement to enroll in AutoPay and have your payment amount automatically deducted each month on your due date from the payment account you choose. /A/- HM - 3356-7203-0001 - N2 -/B/- 443841 1773 - E -/C/-E - O - X - 93 -/D/- P - - - O - N -/E/- 7 - /G/-N- - - -/H/-O- -YZBB-V -/|/-N - -O-O- - -/J/- - Phone. Call the phone number on Pagel ofyour statement to make a payment. There is no fee for this service. - Express Mail. Send payment by courier or 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 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 thinkthere is an error on your statement, write to us at the address for billing errors and customer service inquiries shown on Pagel of yourstatement. 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 yourstatement, 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 forthe remainder ofyour 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. BBY MC NA FEBTB - - O - O -/F/-O1/29/18- 12/01/17- 13 - December28, 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. ED TE EH ACCOUHtI **** **** **** 4891 TRANSACTIONS Trans Date Description Reference # Amount 01/22 LATE FEE $ 38.00 TOTAL FEES FOR THIS PERIOD $ 38.00 INTEREST CHARGE-D 01/28 INTEREST CHARGE ON PURCHASES $ 41 .53 TOTAL INTEREST FOR THIS PERIOD $ 41.53 201 9 TotaIs Year-to-Date Total Fees Charged in 2019 $38.00 Total Interest Charged in 2019 $41 .53 ACTIVITY AND PROMOTIONS DETAIL Original Purchases, Promotion Promo Payments Cash Adv, 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 REGULAR - - $1 ,750.40 $38.00 $41 .53 $1 ,829.93 NO INT W/PYMTS FOR 18 MOS $1 ,092.49 12/23/17 $1 ,042.49 $1 ,042.49 $361 .60 07mm CASH ADVANCES REGULAR TOTAL $2,792.89 $0.00 $38.00 $41 .53 $2,872.42 $0.00 $361 .60 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge PURCHASES REGULAR 27.49% (M)(V) $1,778.90 $41.53 NO INT W/PYMTS FOR 18 MOS 27.49% (M)(V) - - CASH ADVANCES REGULAR 30.24% (M)(V) $0.00 $0.00 (V) = Variable Rate Page 3 of 6 ED TE EH ACCOUHtI **** **** **** 4891 THIS PAGE INTENTIONALLY LEFT BLANK Page 4 of 6 EDTEQI'I Unl: fiifi fiii * N O Page i ED TE Eh GLBSBBY 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 1-888-833-441 3 - our menu wnll prompt you through your ch0|ce(s) 3(TTY 1-888-824-2323) t 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 fCall 1-888-833-441 3 or call the Customer Servnce number on the back of your credIt ' card or on your bllllng statement (TTY 1-888-824-2323) Page 5 Of 6 ED TE Eh 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 \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO Eledimnicaily try Supa'iurfuurt cf Ealifmniaiuunfinf Eran Maren Christopher D. Mandarich SB 220693 3” 4/6/2021 Hayk Stambultsyan SB320973 By [fl Egkigfi TfiatflggAmber Swearingen-Ojuri SB324653 DEPHI-‘r fl! MANDARICH LAW GROUP, LLP P.O. Box 109032 Chicago, IL 60610 Phone: 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintifi”; CA VALRY SPVI, LLC, ASASSIGNEE OF CITIBANK, N.A. SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED CAVALRY SPV I, LLC, AS ASSIGNEE OF Case N0. 21 -CLJ-O1 969 CITIBANK, N.A., Plaintiff, COMPLAINT FOR: VS. 1. ACCOUNT STATED 2. OPEN BOOK ACCOUNT KARLA SANDINO, an individual; and DOES 1 through 10 inclusive. . Defendant. DEMAND- $2,424-74 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 t0 original creditor, Citibank, N.A.. 2.Plaintiff 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 Street Dr Suite 400 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., 5800 SOUTH CORPORATE PLACE SIOUX FALLS, SD 57108, and the account number associated with this debt is XXXXXXXXXXXX4559. 5.Plaintiff is informed and believes that Defendant are individuals who currently reside Exhibit "28" 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 KARLA SANDINO, 800 F ST APT 309, BELMONT, CA 94002-0000. 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 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 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 XXXXXXXXXXXX4559 (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 December 9, 2019. 15.Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected t0 pay amounts due 0n the Account. 16.The debt balance at charge-off was $2,424.74, 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 $2,424.74. 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 $2,424.74 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 $2,424.74 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 $2,424.74, 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: 03/28/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-S 0f 5 [X] Hayk Stambultsyan, Esq. Attorneysfor Plaintifl’ EXHIBIT A Citi® Double Cash Card KARLA SANDINO Member Since 2015 Account numberending inz4559 Billing Periodz11/14/19-12/12/19 DECEMBER STATEMENT Minimum payment due: $46.63 New balance as of 12/12/19: $1,984.95 Payment due date: 01/09/20 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 charges using this card You wi|| pay off the balance shown on this And you wi|| end up paying an estimated and each month you pay... statement in about... total of... Only the minimum payment 11 year(s) $3,944 $71 3 year(s) $2556(Savings=$1,388) For information about credit counseling services, call -. OOOOOO MC OO A O KARLA SANDINO 800 F ST APT 309 BELMONT CA 94002-3892 l5|I|E|=l 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 Customer Service TTY-hearing-impaired services only - www.citicards.com BOX 6500 SIOUX FALLS, SD 57117 Account Summary Previous balance $1,969.00 Payments $49.68 Credits -$0.00 Pu rchases +$0.00 Cash advances +$0.00 Fees +$39.00 Interest +$26.63 New balance $1,984.95 Credit Limit Credit limit $2,000 Includes $0 cash advance limit Available credit $15 CASH REWARDS SUMMARY L walker Your Cash Rewards: $13.73 » See page 3 for more information about your rewards Minimum payment due New balance Payment due date Amount enclosed: $46.63 $1,984.95 01/09/20 Account number ending in 4559 CITI CARDS PO BOX 78045 Phoenix, AZ 85062-8045 IJIJIJLIEEB EILEIELIEIE EI‘ILE' www.citicards.com KARLA SANDINO Customer Service - Page 2 of 3 TTY-hearing-impaired services only - Important Changes to Your Account Terms The following is a summary of changes being made to your account terms. These changes will take effect on 02/14/2020.For more information, please see"Details About the Changes"below. Revised Terms, as of 02/14/2020 Late Payment None for the first late payment; up to $40 after that. M CASH REWARDS SUMMARY TOTAL CASH REWARDS BALANCE: $13.73 Fee Returned Up t0 $40 Previous Balance: $13.23 Payment Fee Earned this Period: $0.50 Total Earned this Period: $0.50 Details About the Changes: ~ ~ ~ Redeemed this Period: $0.00 The followmg paragraphs replace the corresponding paragraphs In your Ending Rewards Balance: $13.73Card Agreement. Late Fee: None for the first late payment; up to $40 after that. We won't charge a late fee the first time you make a Late Payment. After that, we have the right to charge you a late fee if you make a Late Payment. The late fee is $29 and, if you make another Late Payment within the next 6 Billing Periods the late fee will be $40. The amount of your late fee will never be higher than your Minimum Payment Due. Returned Payment FeezUp to $40. We have the right to charge you a Returned Payment fee of $29 if your bank doesn't honor your payment. |f that happens, we'll resubmit the payment request. |f your bank doesn't honor another payment within 6 consecutive Billing Periods, the Returned Payment fee will go up to $40. This amends your Card Agreement. Please keep this information for future reference. Account Summary Trans. Post date date Description Amount Payments, Credits and Adjustments 12/08 ONLINE PAYMENT, THANK YOU $49.68 Fees charged Date Description Amount 12/08 RETURN CHECK FEE - 120819 $39.00 Total fees charged in this billing period $3900 Interest charged Date Description Amount 12/12 INTEREST CHARGED TO STANDARD PURCH $1.52 12/12 INTEREST CHARGED TO PUR PR-O4/03/19. $25.11 Total interest charged in this billing period $2563 2019 totals year-to-date Total fees charged in 2019 Total interest charged in 2019 $95.00 $353.45 THE TWO WAYS TO EARN! @Cash Back on Purchases Eligible Purchases: $0.00 Cash Back on Purchases Earned: $0.00 @Cash Back on Payments Eligible Payments: $49.68 Cash Back on Payments Earned: $O.5O PURCHASE TRACKER AND HOW CASH BACK ON PAYMENTS WORKS 1. Total Payment Made: $49.68 Note: payments are eligible up to the amount in your Purchase Tracker 2. Purchase Tracker: $1,112.82 3. Eligible Payment: $49.68 4. Cash Back on Payments Earned: $O.5O 5. Ending Purchase Tracker: $1,063.14 Purchase Tracker - When you make a purchase, that amount goes into your Purchase Tracker. Balance transfers, cash advances, fees and interest are not included. Make an eligible pa yment and the Purchase Tracker gets reduced by that amount. When the Purchase Tracker reaches $0, you won't earn cash back on pa yments until more purchases are made. See Terms & Conditions for details. Questions? Time to Redeem? Visit citi.com or call - Bonus cash back may take 1-2 billing periods to appear on your statement. www.citicards.com KARLA SANDINO Customer Service - TTY-hearing-impaired services only - Interest charge calculation Balance type PURCHASES Standard Purch PU r Pr 040319 ADVANCES Standard Adv 29.99% (V) 16.49% (V) 29.99% (V) Your Annual Percentage Rate (APR)is the annual interest rate on your account. Annual percentage Balance subject rate (APR) to interest rate $63.81 (D) $1.52 $1,916.15 (D) $25.11 $0.00 (D) $0.00 Days in billing cyc|e229 Interest charge 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 0f Citigroup Inc. Page 3 0f 3 EXHIBIT B KARLA SANDINO Member Since 2015 Account numberending inz4559 Billing Period205/14/20-06/11/20 JUNE STATEMENT Minimum payment due: $2,424.74 New balance as of 06/11/20: $2,424.74 Payment due date: 06/11/20 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 $40 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 charges using this card and each month you pay... You wi|| pay off the balance shown on this statement in about... And you wi|| end up paying an estimated total of... Only the minimum payment l month(s) $2,425 For information about credit counseling services, call -. Pay your bill from virtually anywhere with the Citi Mobile® App and Citi® Online 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 KARLA SANDINO 800 F ST APT 309 BELMONT CA 94002-3892 www.citicards.com Customer Service 1-855-473-4583 TTY-hearing-impaired services only - BOX 6500 SIOUX FALLS, SD 57117 Account Summary Previous balance $2,391.56 Payments -$0.00 Credits -$0.00 Pu rchases +$0.00 Cash advances +$0.00 Fees +$0.00 Interest +533.18 New balance $2,424.74 Credit Limit Credit limit $2,000 Includes $0 cash advance limit Minimum payment due $2.424-74 New balance $2,424.74 Payment due date 06/11/20 Amount enclosed: Account number ending in 4559 CITI CARDS PO BOX 78045 Phoenix, AZ 85062-8045 5'=I EI‘ILE. Customer Service 1-855-473-4583 Page 2 of 2www.citicards.com TTY-hearing-impaired services only -KARLA SANDINO Account Summary Trans. Post date date Description Amount Fees charged Total fees charged in this billing period $0~00 Interest charged Date Description Amount 06/11 INTEREST CHARGED TO STANDARD PURCH $9.01 06/11 INTEREST CHARGED T0 PUR PR-04/03/19. $24.17 Total interest charged in this billing period $3348 2020 totals year-to-date Total fees charged in 2020 $198.00 Total interest charged in 2020 $192.11 Interest charge calculation Days in billing cyclezz9 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) $377.98 (D) $9.01 PUF PF 040319 14.99% (V) $2,029.56(D) $24.17 ADVANCES standard Adv 29.99% (V) $0.00 (D) $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed by (V) may vary. Balances followed by (D) are determined by the daily balance method (including current transactions). Account messages Please note that if we received your pay by phone or online payment between 5 p.m. ET and midnight ET on the last day of your billing period, your payment will not be reflected until your next statement. 2018 Citibank, N.A. Citi, Citi with Arc Design are registered service marks of Citigroup Inc. KOOONQUILWNu-t NNNNNNNNNHHh-b-Hb-b-h-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO _ _ ElectronicallyChrlstopher D. Mandarlch SB 220693 ”LEDHayk Stambultsyan SB320973 HsmmuunHurfinnumnwflmmm Amber Swearmgen-Ojurl SB324653 3x; 4/1 4/2021MANDARICH LAW GROUP, LLP . . I13.0. Box 109032 Chicago, 1L 60610 FF-mmmr, fl!“- 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintifi’: 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-021 79 Plaintiff, VS FILE BY FAX COMPLAINT FOR: 1. BREACH OF CONTRACT Terry Hayden, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant DEMAND: $5,419.38 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1. Plaintiff is and at all times herein mentioned, UHG I LLC, and successor in interest t0 original creditor, Net Credit. 2. Plaintiff is the only entity that purchased the debt after charge-off and its name and address is as follows: UHG I LLC; 6400 Sheridan Dr Suite 138 Suite 138, Williamsville NY 14221. 3. Plaintiff is a debt buyer, and is the sole owner 0f the debt at issue. 4. The charge-off creditor at the time 0f charge-off is NC FINANCIAL SOLUTIONS OF CALIFORNIA, LLC, D/B/A NETCREDIT, 175 WEST JACKSON BOULEVARD SUITE 1000, CHICAGO, IL 60604, and the account number associated with this debt is XXXXXXXXXXX4 148. 5. Plaintiff is informed and believes that Defendant are individuals Who currently reside within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the Exhibit "29" COMPLAINT-l 0f 5 KOOONONUILWNr-t NNNNNNNNNHh-h-b-Hb-h-th-HH OOVQKJIJ>UJN~OKOOOQONM$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 Terry Hayden , 131 CLIFF SWALLOW COURT , BRISBANE, CA 94005. 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 XXXXXXXXXXX4148 (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 subject account was on August 31, 201 8. 14. Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected t0 pay amounts due 0n the Account. 15. The debt balance at charge-offwas $5,419.38, 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 $5,419.38. 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, 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 ,4 1 9.3 8. 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 $5,419.38 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 0f 5 KOOONONUI-bUJNr-t NNNNNNNNNHh-kb-Ab-Ab-b-h-h-Hb-t OONQMJ>WN~O©OONONM$UJNHO WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $5,419.38, 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: 04/06/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-5 0f 5 r' . Q I; .u f gi f-|-" [X] Christopher D. Mandarich, Esq. Attorneysfor Plaintifl EXHIBIT A CALIFORNIA CONSUMER INSTALLMENT LOAN AGREEMENT AND PROMISSORY NOTE Loan #: . . - PrOJected Dlsbursement Date: 4148 Apr 5’ 2018 Account ID:_ Creditor: Borrower: NC Financial Solutions ofCalifornia, LLC, d/b/a NetCredit Terry Hayden I 75 W Jackson Blvd, 131 CliSwallow Court, Suite 1000 Brisbane, CA 94005 Chicago, IL 60604 877-392-2014 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 of California, LLC, d/b/a NetCredit (License No. 603K020) ("Lender"). We are a consumer installment lender. The loan is made pursuant to the California Financing Law, Division 9 (commencing with Section 22000) of the Financial Code. The California Department ofBusiness Oversight regulates us (collectively, the parties). FORMORE INFORMATION CONTACT THE DEPARTMENT OF BUSINESS OVERSIGHT, STATE OF CALIFORNIA. You may contact our regulator at the California Department ofBusiness Oversight, Consumer Services Ofce, 320 West 4th Street, Suite 750, Los Angeles, CA 90013-2344. The Department’s website is litp://www.dbo.ca.gg. The Department’s phone numbers are: (213) 576-7500 or (866) 275-2677. You acknowledge this loan is for personal, family, or 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 verication may require you to provide additional information to us. You agree that, in the event that we are unable to complete the verication to our satisfaction, we are not obligated to disburse Loan funds. Ifwe do not disburse Loan lnds, we will notify you at the e-mail address you provided on your application. Certain of the TILA Disclosures are based on our expectation that Loan funds will be disbursed to you on the Projected Disbursement Date set forth above. Banking delays or holidays, or delays in making contact with you to verify the information you have provided to us, may cause the Loan funds to 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 AMEMBEROF THE ARMED FORCES OR A DEPENDENT OF SUCH AMEMBER COVERED BY THE FEDERAL MILITARY LENDING ACT, THE ARBITRATION PROVISION WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTEWITH US. FOR EXAMPLE, IFWE ELECT TO REQUIRE YOU TO ARBITRATE ANY CLAIM, YOUWILL 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 PERCENTAGE FINANCE CHARGE RATE The cost of your credit as a yearly rate. credit will cost you. $7,866.70 (e) Amount Financed The Payment number Amount of Payments When Payments Are Due 148.50% (e) Payment Schedule (e): 1 $218.60 2 $218.60 3 $218.60 4 $218.60 5 $218.60 6 $218.60 7 $218.60 8 $218.60 9 $218.60 10 $218.60 11 $218.60 12 $218.60 13 $218.60 14 $218.60 15 $218.60 16 $218.60 17 $218.60 18 $218.60 19 $218.60 2O $218.60 21 $218.60 22 $218.60 23 $218.60 24 $218.60 25 $218.60 26 $218.60 27 $218.60 28 $218.60 29 $218.60 30 $218.60 31 $218.60 32 $218.60 33 $218.60 34 $218.60 35 $218.60 36 $218.60 37 $218.60 38 $218.60 39 $218.60 4O $218.60 Apr 27, 2018 May 11, 2018 May 25, 2018 Jun 8, 2018 Jun 22, 2018 Jul 6, 2018 Jul 20, 2018 Aug 3, 2018 Aug 17, 2018 Aug 31, 2018 Sep 14, 2018 Sep 28, 2018 Oct 12, 2018 Oct 26, 2018 Nov 9, 2018 Nov 23, 2018 Dec 7, 2018 Dec 21, 2018 Jan 4, 2019 Jan 18, 2019 Feb 1, 2019 Feb 15, 2019 Mar 1, 2019 Mar 15, 2019 Mar 29, 2019 Apr 12, 2019 Apr 26, 2019 May 10, 2019 May 24, 2019 Jun 7, 2019 Jun 21, 2019 Jul 5, 2019 Jul 19, 2019 Aug 2, 2019 Aug 16, 2019 Aug 30, 2019 Sep 13, 2019 Sep 27, 2019 Oct 11, 2019 Oct 25, 2019 Total of Payments The amount you The dollar amount the amount of credit provided will have paid after you have made to you or on your behalf. $3,500.00 all payments as scheduled $11,366.70 (e) 41 $218.60 Nov 8, 2019 42 $218.60 Nov 22, 2019 43 $218.60 Dec 6, 2019 44 $218.60 Dec 20, 2019 45 $218.60 Jan 3, 2020 46 $218.60 Jan 17, 2020 47 $218.60 Jan 31, 2020 48 $218.60 Feb 14, 2020 49 $218.60 Feb 28, 2020 50 $218.60 Mar 13, 2020 51 $218.60 Mar 27, 2020 52 $218.10 Apr 10, 2020 Security: You are giving a security interest in the Payment Authorization. Late Charge: 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. Prepayment: If you prepay in full before the cancellation deadline described below, you may be entitled to a relnd ofpart of the nance charge. If you pay in full 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 $3,500.00 Amount given to you directly $3,500.00 ADDITIONAL TERMS PROMISE TO PAY, LATE CHARGE, AND CALCULATION OF INTEREST. You promise to pay us $3,500.00 (the amount of the principal) plus interest from the date the Loan Funds are actually disbursed to you until the nal installment due date set forth in the payment schedule above (“Payment Schedule”), or any adjusted payment schedule subsequently agreed to by you and us and conrmed 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 (and assuming your Loan is disbursed on the Projected Disbursement Date). You promise to make the payments you owe by authorizing us to initiate electronic lnd transfers from a deposit account of yours; or, in the event that we are unable to process electronic fund transfers, by making payment by another method acceptable to us. In order for your payment to be considered timely, it must be submitted by the cut-off time applicable to your method ofpayment, 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 of 150.00% (“Contract Rate”). Interest shall not be payable in advance or compounded. We apply the Contract Rate to the “Adjusted Principal Balance” from the actual 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 ofprincipal. “Timely” means making payment in accordance with the Payment Schedule or any adjusted payment schedule agreed to by the parties and conrmed 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 to 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 ofprincipal may reduce the total amount of interest you pay under this Agreement. To process a partial or full prepayment or receive a payo 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 pm@netcredit.com. Please note that, unless otherwise specied, 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 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 renancing, the third business day immediately following the day we apply your Loan proceeds to pay off another loan (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 glpm@netcredit.com of your intent to cancel, which will authorize us to debit for the principal amount of the Loan, as described below. If you seek to cancel and your cancellation payment is successll, all interest that has accrued will be waived and you will have no lrther payment obligations under this Agreement. If you seek to cancel but your cancellation payment is returned unpaid or is otherwise not successll, your Loan will not be cancelled and your obligations under this Agreement will continue just as if you had not attempted to cancel. APPLICATION OF PAYMENTS. Payments will be applied rst 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 rst to the oldest past due amounts owing by applying such rst to unpaid fees, second to accumulated but unpaid interest, and third to 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 to the current or upcoming scheduled installment by applying such rst to fees, second to interest, and third to principal as of the date received. If an early payment is less than the amount of the next scheduled installment, then you must pay the difference on or before the corresponding installment due date. Making an installment payment in excess ofwhat 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”) to credit the checking or savings account specied in your Application/Data Verication 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 lrther 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 to obtain an accurate balance under this Agreement. PAYMENT AUTHORIZATION. EFT Authorization for Installment Payments; Error Correction; and in the Event of 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 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 of a scheduled payment within 15 days of its scheduled installment due date, you may be charged a late charge of $15.00 on or aer the next scheduled installment due date; o The nal 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 of 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 aer the date we accelerate; and o The amount required to 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. If you incur any late charges, you agree to 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 ofU.S. law. Modied Charges Instead of or in addition to any of the EFTs described above, you authorize us to process any EFTs you subsequently conrm by phone, fax, text message, email, or by logging into the online Loan account portal. Right to 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 pfm@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 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. No correspondence should be included. Range of 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 to the Agreement. The range of your 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 of 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 pfm@netcredit.com. Your Deposit Account Information If there is any missing or erroneous information concerning your Deposit Account or the nancial 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 nancial 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 D0 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 THATWE 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 notication from you, as instructed above, of its termination in such time and in such manner as to afford us and the nancial institution holding the Deposit Account a reasonable opportunity to act on it, or (ii) upon full and nal payment of the amount you owe us under this Agreement. Optional Nature ofAuthorization 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 Ofcial 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, if you 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) if you do not pay in lll a payment in accordance with the Payment Schedule or any adjusted payment schedule subsequently agreed to by you and us and conrmed by us in writing; (ii) if you violate any promise you make to us in this Agreement; (iii) if you le for protection under the United States Bankruptcy Code, or become subject to a proceeding which seeks relief from debt; (iv) if you 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. 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 to credit bureaus. Late payments, missed payments or other defaults on your Loan may be reected in your credit report. If you believe that any information about your Loan that we have furnished to a consumer reporting agency is inaccurate, or if you believe that you have been the victim of identity theft in connection with any Loan made by us, write to us at NC Financial Solutions of 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 specic information that is being disputed, (iii) explain the basis for the dispute and (iv) provide any supporting documentation you have that substantiates the basis of the dispute. If you believe that you have been the victim of identity theft, submit an identity theft afdavit or 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 ofCalifornia. 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 of this Agreement will remain valid and enforceable. This Agreement is a nal expression of 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. All 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. All notices to us must be sent via fax at (855)878-1068 or e-mail at glpm@netcredit.com (“the Notice Address”), with such attention as may be specied 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. All 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 to le 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, or phone number (including your cell phone number) within een (15) days by writing us at the Notice Address or going on www.netcredit.com (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, noties us of a change of address and we have had a reasonable opportunity to act on such notice. PARTIAL PAYMENTSMARKED 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 lll” or with any similar language or that you otherwise tender as lll 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 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 relnded 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 afliates, agents, representatives, assigns and service providers ofus and our assignees (collectively, the “Messaging Parties”) to contact you using automatic telephone dialing systems, articial 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 lrther 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 do, 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 of the Armed Forces and their dependents (“Covered Borrowers”). The provisions of this section apply to Covered Borrowers. If you would like more information about whether you are a Covered Borrower and whether this section applies to you, please contact us at (877)392-2014. Statement ofMAPR 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: (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 specied credit transactions or 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 to hear important disclosures and payment information about this Agreement, please call (877)392-2014. Covered Borrowers Savings Clause The provisions of this Paragraph apply only to a “Covered Borrower” as that term is dened by 32 C.F.R. § 232.3(g). If any contract provision not identied herein is contrary to the rights and protections afforded to you by Federal law pursuant to 10 U.S.C. § 987 and its implementing regulations, including, but not limited to 32 C.F.R. § 232.8, then the conicting provisions or proscribed terms are inoperative, and shall have no force and effect. However, all remaining contract terms and provisions not proscribed or 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 dene 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 le 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 nal 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 SUCHMEMBER COVERED BY THE FEDERAL MILITARY LENDING ACT. IF YOUWOULD LIKE MORE INFORMATION ABOUTWHETHER YOU ARE COVERED BY THEMILITARY 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 ITWILL 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 ARBITRATIONWITH 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. mp; 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, ofcers, shareholders, governors, managers, members, parent company or afliated 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 if you 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 led 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 of this Arbitration Provision, if either you or we elect to 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 or in arbitration, either as a class representative or class member, or (b) to join or consolidate Claims with Claims of any other persons. No arbitrator shall have authority to conduct any arbitration in violation of this provision or to issue any relief that applies to any person or entity other than you and/or us individually. (Provided, however, that the Class Action Waiver does not apply to any lawsuit or administrative proceeding led against us by a state or federal government agency even when such agency is seeking relief on behalf of a class of borrowers including you. This means that we will not have the right to compel arbitration of any claims brought by such an agency). The parties to this Arbitration Provision acknowledge that the Class Action Waiver is material and essential to the Arbitration Provision. If the Class Action Waiver is limited, voided or found unenforceable, then the parties’ Arbitration Provision (except for this sentence) shall be null and void with respect to such proceedings, subject to the right to appeal the limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that under no 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 certied 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 ofCalifornia, 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 les. If a lawsuit concerning the Claim has been led, such notice can be provided by papers led 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), litp://www.adr.org; or JAMS, 8401 N. Central Expressway, Suite 610, Dallas, TX 75225 (1-800-352-5267), litp:_//jamsadr.com. However, the parties may agree to a local arbitrator who is an attorney, retired judge, or arbitrator registered and in good standing with a bona de 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. 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 20 days in writing by certied mail, return receipt requested, of your decision to select an arbitration organization or your desire to select a local arbitrator. Your notice must be sent to NC Financial Solutions ofCalifornia, 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 of the rules and procedures by contacting the arbitration organization listed above. In an event of a conict between the provisions of the Arbitration Provision, on the one hand, and any applicable rules of 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 les a lawsuit in court asserting Claim(s) that are subject to arbitration and the other party les a motion to compel arbitration with the court which is granted, it will be the responsibility of 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 ofprocedure or evidence that would apply in a court, nor by state or 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 amotion to 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 of the individual party seeking relief and only to the extent necessary to provide reliefwarranted by that party’s individual claim). Fees and Costs At your written request, we will pay all ling, 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 ling 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 ling 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 to Claim(s) asserted by you in an individual arbitration, we will pay your reasonable attorney, witness and expert fees and costs if and to 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. ABPe-al The arbitrator’s award shall be nal 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 ifpermitted by the Administrator’s rules, you or we can, within 14 days aer the entry of the award by the arbitrator, appeal the award to 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 to or modeled aer 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 nal decision of 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 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 of the Arbitration Provision; and (e) be sent to us by certied mail, return receipt requested, at NC Financial Solutions of California, LLC. Attn: General Counsel, 175 W. Jackson Blvd., Suite 1000, Chicago, IL 60604. This is the sole and only method by which you can submit a Claim Notice. Upon receipt of a Claim Notice, we will credit you for the standard cost of a certied letter. You must give us a reasonable opportunity, not less than 30 days, to resolve the Claim. If, and only if, (i) you submit a Claim Notice in accordance with this paragraph on your own behalf (and not on behalfof any other party); (ii) you cooperate with us by promptly providing the information we reasonably request; (iii) we refuse to provide you with the relief you 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 (or greater relief), you will be entitled to a minimum award of at least $7,500 (not including any arbitration fees and attorneys’ fees and costs to which you will also be entitled). We encourage you to 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 of $7,500 are not contemplated. OPT-OUT PROCESS. You may choose to opt out of this Arbitration Provision but o_nly 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 postmarked within sixty (60) calendar days of the date of this Agreement at the following address: NC Financial Solutions of California, LLC. Attn: General Counsel, 175 W. Jackson Blvd., Suite 1000, Chicago, IL 60604. Your notice must be sent to us by certied mail, return receipt requested. Upon receipt of an Opt-Out Notice, we will credit you for the standard cost of a certied 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 of the Arbitration Provision and must not be sent with any other correspondence. Indicating your desire to opt out of this Arbitration Provision will not affect your other rights or responsibilities under this Agreement, and applies only to this Arbitration Provision between you and us. Binding Effect; Survival; Severability This Arbitration Provision is binding upon and benets you, your respective heirs, successors and assigns. The Arbitration Provision is binding upon and benets 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 lll 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 ofwhether 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 lmished the report. As required by law, you are hereby notied that a negative credit report reecting on your credit record may be submitted to a credit reporting agency if you fail to llll 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 of 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 llly 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 of 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 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 lled 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 le 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 le a petition for reliefunder 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 COPYWILL BEMAINTAINED ON THIS WEBSITE IN YOUR PASSWORD PROTECTED CUSTOMER HISTORY. Any comments or questions may be directed to our Customer Comment Line at the following toll-free number: (877)392-2014 or via e-mail to s_uppo_rt@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 AMEMBEROF THE ARMED FORCES OR A DEPENDENT OF SUCH AMEMBER COVERED BY THE FEDERAL MILITARY LENDING ACT, THE ARBITRATION PROVISION WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTEWITH US. FOR EXAMPLE, IFWE ELECT TO REQUIRE YOU TO ARBITRATE ANY CLAIM, YOUWILL 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 T0 BORROWER (a) D0 NOT SIGN THIS AGREEMENT BEFORE YOU READ THEWRITING ABOVE, EVEN IF OTHERWISE ADVISED. U (b) DO NOT SIGN THIS AGREEMENT IF IT CONTAINS ANYBLANK SPACES. (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 AGREEMENTWITHOUT PENALTY. CAUTION-IT IS IMPORTANT THAT YO THOROUGHLY READ THE AGREEMENT BEFORE YOU SIGN IT. 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: 03:50 AM on April 4, 201 8 Connected From: 71.138.137.35 Signed By: Terry Hayden-- Signed As: Terry Hayden- Contract: {SHA} 0a2aeaa7b7e62b26f737f52d573de92087e1 1d84 ACH Authorization: {SHA} 3b885bbe78d178793 170aec9fa5023d852ce8a NetCredit Signature Block: Signed at: 01 :42 AM on April 05, 201 8 Signed by: David Fisher, President, NC Financial Solutions, LLC, as sole member ofNC Financial Solutions ofCalifornia, LLC (d/b/a NetCredit) NetCredit: {SHA} 61aef925e379e1d066c4e34fc6cc2212c1 884a92 EXHIBIT B loan number 4148 4148 4148 4148 4148 4148 4148 4148 4148 4148 4148 4148 4148 4148 4148 4148 4148 4148 4148 4148 id 1467 1467 1467 1467 1467 1467 1467 1467 1467 1467 1467 1467 1467 1467 1467 1467 1467 1467 1467 1467 account_id state first_name |ast_namelloan_id activity_type 3537 CA 3537 CA 3537 CA 3537 CA 3537 CA 3537 CA 3537 CA 3537 CA 3537 CA 3537 CA 3537 CA 3537 CA 3537 CA 3537 CA 3537 CA 3537 CA 3537 CA 3537 CA 3537 CA 3537 CA Terry Terry Terry Terry Terry Terry Terry Terry Terry Terry Terry Terry Terry Terry Terry Terry Terry Terry Terry Terry Hayden Hayden Hayden Hayden Hayden Hayden Hayden Hayden Hayden Hayden Hayden Hayden Hayden Hayden Hayden Hayden Hayden Hayden Hayden Hayden 4763 payment 4763 payment 4763 payment 4763 payment 4763 payment 4763 payment 4763 payment 4763 payment 4763 payment 4763 payment 4763 default 4763 default 4763 default 4763 default 4763 default 4763 default 4763 default 4763 default 4763 default 4763 call_due event_effective_date agency_id activity_amount past_due_ba|ance_outstanding 4/27/2018 6 218.6 0 5/11/2018 6 218.6 0 5/25/2018 6 218.6 0 6/8/2018 6 218.6 0 6/22/2018 6 218.6 0 7/6/2018 6 218.6 0 7/20/2018 6 218.6 0 8/3/2018 6 218.6 0 8/17/2018 6 218.6 0 8/31/2018 6 218.6 0 9/15/2018 6 218.6 218.6 9/29/2018 6 218.6 437.2 10/13/2018 6 233.6 670.8 10/27/2018 6 233.6 904.4 11/10/2018 6 233.6 1138 11/24/2018 6 233.6 1371.6 12/8/2018 6 233.6 1605.2 12/22/2018 6 233.6 1838.8 1/5/2019 6 233.6 2072.4 1/14/2019 6 3346.98 5419.38 \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO Electmnicaily Christopher D. Mandarich SB 220693 hySupewcfl-mnfcalrfmia,r:nmw arian Maren. Ajay Sood SB325294 5N 4/26/2021 Hayk Stambultsyan SB320973 Amber Swearingen-Ojuri SB324653 WJiEErufiEEH-Ffifli MANDARICH LAW GROUP, LLP P.O. Box 109032 Chicago, IL 60610 Phone: 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintifl: VELOCITYINVESTMENTS, LLC SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED VELOCITY INVESTMENTS, LLC, Case No. 21 -CLJ-02397 Plaintiff, COMPLAINT FOR: VS. 1. ACCOUNT STATED WILLOBY HODGSON, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant. DEMAND; $1 1,344.79 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 077 1 9. 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 Prosper, C/O Prosper Funding LLC 221 Main Street, 3rd Floor San Francisco, CA 94105, and the account number associated With this debt is XX1722. 5.Plaintiff is informed and believes that Defendant are individuals Who currently reside Exhibit "30" 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 WILLOBY HODGSON, 1374 HOLLYBURNE AVE , MENLO PARK, CA 94025. 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 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 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 on the same, account number XXI 722 (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 0f last payment 0n the subject account was 0n August 3, 2018. 15.Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected t0 pay amounts due 0n the Account. 16.The debt balance at Charge-off was $1 1,344.79, 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 1,344.79. 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 $1 1,344.79 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 $1 1,344.79 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 1,344.79, 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: 04/16/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-S 0f 5 QMM [X] Christopher D. Mandarich, Esq. Attorneysfor Plaintifl EXHIBIT A This Borrower RegistrationAgeement (this 'kAgreement") is Imde and entered into betweenyou and Prosper Funding LlC ("Prosper"). The Prosper Imrketplace is an online credit plattbrm (the ‘Platbrm") operated by Pmsper. Among other thing, Prosper ofi‘ers access to unsecured personal 10am in the form ofthe promissmy note attached hereto as ExhlbitA (the "Promissory Note"). All loans ofigimted through the Platfonn are rmde by WebBank, a Utah-chartered industrial bank ('WebBank" 0r "Bank'3. A separate legal entity, Prosper Marketplace, Inc. (‘PMI"), provides services to Bank in connection with the origimtion ofsuch 10am. Prosper services all loans Imde througl the Platfimn, but has engged certain third parties (imluding PMI) to act as agents ofProsper in the perfonmnce ofsuch servicing The following Agreement describes those services as well as your lights and obligtions should you elect to reg'ster as a bonower on the Platform Except fbr Section 22, When used in this Agreement "we" or "us" refirs to Prosper, Bank and their respective agents and afiliatcs (including without limitationPMI in its capacity as agent ofProsper or Bank, and Prosper Healthcare Lending). 1. Registration as a Prosper Borrower. You are registering with Prosper as a borrower so that you canImke loan requests or "listings" through the Platfimn In emeting into this AgreeImnt, you are agreeing to corrply with the Tents oste for the Platfonn as well as any other rules or policies set forth on Prosper's website (www.prosper.com), any ofwhichImy be atmnded fiomtilm t0 tine by Prosper in its sole discretion (collectively, as amended, the 'Prosper Tents and Conditions"). The Prosper Tenm and Conditions are accessible Via a link Imrked "Policies" at the bottom ofeach page ofProsper‘s website. We reserve the fight to restfict access to the Platfimn t0 individuals Who Imet rrinimlm credit guidelines and other criteria, as determimd by us in our sole discretion 2. Authofimfion t0 Obtain Credit Report. By registering on the Platform as a borrower, you authorize us or our agents (including PMI), t0 obtain a credit report from one 0r1mm consurmr credit reporting agencies. We Imyuse the credit report for any pmpose that would be authon'zed by applicable law in connection With a credit transaction involving you and involving the extension ofcredit t0 you or review or collection ofyour account, including but not lirritcd to (1) ibr authentication purposes, to Imke sure you are who you sayyou are; (i1) to Imke credit decisions; (iil) for internal rmdeling and amlysis purposes; (iv) t0 administer the sale ofany Borrower Payrmnt Dependent Notes ('Notes‘D associated with your loan 0r the sale ofyour loan in its entirety; (v) t0 detennine how nuch debt you currently lave, in order t0 detenninc your debt-to-incorm ratio; (v1) t0 obtain your credit score and assigl you a Prosper Rating based in part 0n flat score; (vil) to obtain and display inforrmtion and claracteristics fiomyour credit report fiom one 0r Imre consurmr credit reporting agencies; and (Viil) t0 obtain and display on a secondary ttading platform certain information and claracteristics fiomyour credit repon fiom one or rmre consutmr credit reporting agencies at any tiIm or tirms that a Note corresponding to your loan is oflered fin sale by investors holding such Notes. Infimmtion fiomyour credit report will be displayed on the Prosper website with your listing You authon'ze us to verity infomation in your credit report and your listing, and you agree that Prosper, Bank or PMI (in its capacity as agent ofProsper or Bank) rmy contact third patties without finther notice to you to verify any such infimmtion We Imy obtain your credit report each titre you create a listing and at any other time in our sole discretion, including in connection with loan servicing 0r collection 3. Listings. The Platfonn connects applicants Who Wish t0 obtain loans with investor Imrrbers Who wish t0 help filnd them To receive a loan, you, a borrower rmnber, mist submit a loan listing through the Platform The listing is a request by you fbr a loan in the amount and at the interest rate specified in the listing In order t0 submit a listing through the Platfimn, you mlst have a good fiith intent to obtain and repay your loan, and your listing trust be comistent With that intent. In order fin your listing to become a loan, you trust receive aggegte filnding commiIImnts fiom Prosper investor Imrrbers that equal 0r exceed the minitmmfimding amount applicable to your listing Afier you subnit your listing and corrplete certain ven'fication stages, Prosper Will allocate your listing to one ofthree fimding clannels, based upon an allocation Imthodology determined by Prosper: (1) the first channel allows investor Imrrbers t0 commit to purchase Notes fiom Prosper, the payrmnts ofwhich are dependent 0n the payrmnts youHake on your loan (the ‘Notc Clmmel"); (i1) the second Clannel allows investor Irenbers to con'mit to purclnse 100% ofyour loan directly fiomProsper ("Active Loan Clannel"); and (iil) the third channel reserves your loan tbr sale to an investor Herrber who has already committed to purchase loans hke yours fiom Prosper ("Passive Loan Channel"). Prosper Imy add or rennve fimdjng clunnels and modify the allocation process at any firm in its sole discretion Ifyour listing receives suficient comnitrmnts to filnd, Bank Will ofigimte a loan t0 you in an amount equal to the total armunt offhose comtrittmnts. Ifyour listing is allocated to Passive Loan Channel, it will automaticallybe considered to have received a comnittmnt equal to the aImunt ofthe loan requested. Ifyour listing is allocated to the Note Clanne], investor Iraniaers Who purclnse Notes tied to your loanImy resell those Notes to other investor rmnbers 0n a secondary ttading platfonn Prosper Imy add or remove secondaIy trading platfoms at any titre in its sole discretion Intormation Included in Listings. To submit a listing, you nllst provide the amount 0fthe loanyou are requesting as well as your annual inCOIm, occupation and enployrmnt status. The minimum and Immjm loan amounts youImy request are posted onthe Prosper website and are subject to change by us at any firm without notice. We reserve the right t0 restrict the submission oflisfing througl the Platfonn to applicants who Imet minimlm credit guidelines and other criteria, as detennincd by us in our sole discretion You authon'ze and agree that we nay include inyour listing any infbrrmtion fiomthe credit repon we obtain pursuant to Section 2 above, imluding but not limited t0 the following information (1) Your Prosper Rating, which is calculated byus but based on infimmtionfiomyour credit report; (i1) Your debt-to-incorm ratio, expressed as a percentage, reflecting the ratio between the annunt ofyour Imnthly non-n‘mtgage debt, as corrpared t0 the annunt ofrmnthly incorm flat you indicated when completing your listing (iil) The nunber ofaccounts 0n Which you are currently late 0n a payrmnt; (iv) The total past-due amount you owe 0n all delinquent and charged-ofl'accounts; (V) The nurrber 0f90+ days past due delinquencies 0n your credit report; (V1) The nurrber ofnegative public records (cg, bankruptcies, liens, and judgrmnts) 0nyour credit report over the last 24 months, and over the last 10 years; (Vil) The month and year the oldest account 0n your credit report (e.g, revolving, installrmnt, 0r mortgage credit) was opened; (Viil) The total nurrber ofcredit lines appearing 0n your credit report, along with the nurrber that are open and cunent; (ix) The total balance 0n all ofyour open revolving credit lines; (X) Your bankcard utilization ratio, expressed as a percentage, reflecting the ratio 0fthe total balance used, t0 the aggregate credit limit 0n, all 0f your open bankcards; and (X1) The nurrber ofinquiries Imde by creditors t0 your credit report in the last six months. In addition, you authon'ze and agree that we Imy display any 0fthe above inforrmtion in a listing for a Note corresponding t0 your loan 0n a secondary trading platform, and that we Imy display updated inforrmtion fiomyour credit report, as well as information about the payrmnt history and status ofyour loan, in any such listing Listings displayed 0n either PlatformImy also include any inforrmtionwe ask you t0 provide. You authon'ze us t0 vefify your residence, income, enployrmnt and any other inforrmtionyou provide in connection with a listing 0r your registration as a borrower, and you agree that we Imy contact third parties t0 verify inforrmtion you provide. Ifany such information changes afier you submit a listing but before the listing expires, you Imst either (1) promptly notify us 0fthe change, 0r (i1) ifpossible, Withdraw your listing In creating your listing, 0r posting content anywhere 0n Prosper's website, you Imy not include (1) any personally identifiable information, including, without limitation, your name, address, phone nurrber, ermil address, Social Security nurrber, driver's license nurrber, bank account nurrber 0r credit card nurrber, (i1) any inforrmtion that reveals your race, color, religion, national origin, sex, Imrital status, age, sexual orientation, military status, source ofincome, 0r plans for having a Emily, and (iil) any information that is inconsistent With your obligations t0 refiam fiom engaging in any Prohibited Activities (as defined below) (any inforrmtion 0fthe type described in parts (1), (i1) 0r (iil) being, "Prohibited Inforrmtion’) We Imy take remedial action With respect t0 any Prohibited Inforrmtion you post 0n Prosper's web site, including without limitation canceling any listing containing Prohibited Inforrmtion 0r deleting 0r mdifying all 0r any portion ofa listing description 0r other content that contains Prohibited Inforrmtion; provided, however, that we are under no obligation t0 take any such action, and any posting ofProhibited Inforrmtionby you 0n Prosper's web site is done solely at your own Iisk. Listings Allocated t0 the Note Channel. Any personWho Visits the Prosper website will be able t0 View your listing and see your Prosper Rating as well as certain information about the loan you have requested; provided, however, inforrmtionfiomyour credit report will only be Viewable by investor members. We Imy elect in our sole discretion t0 give you a partial fimding option, Which Imans your loan will be funded ifit receives comnitrmnts totaling less than the fifll amount ofyour requested loan but equal t0 0r exceeding 70% 0fthat amount (subject t0 the loan size minitmm). Each loan listing related t0 a borrower Who was ofl'ered the partial fimding option will indicate the minitmm amount required for the loan t0 fimd. The cunent percentage threshold for partial fimding is 70%, but we Imy change that threshold fiom time t0 time. Any such change will only afl'ect listings created afier the change is Imde. Duration oz Listings. A listing will expire at the earlier 0f(a) the time at Which it has received comnitments equal t0 the fifll amount 0fthe loan requested (Which could be immediately afier being listed) 0r (b) ifallocated t0 the Note Channel, 14 days afier being allocated, unless the listing is Withdrawnby you 0r cancelled by us prior t0 either 0fthose events. Ifa listing is allocated t0 Active Loan Channel and does not receive commitrmnts suficient t0 fimd within a reasonable amount 0ftime determined in Prosper's sole discretion afier being allocated, it will automatically be reallocated t0 the Note Channel WITIflDRA WAL 0FLISTINGS. YOUHAVE THE RIGHT TO WITHDRAWYOUR LISTINGATANY TIME PRIORTO THE EXPIRATION OF THE LISTING PERIOD AS DESCRIBED ABOVE. AFTER THE LISTING PERIOD EXPIRES, YOU WILLNO LONGERHAVE THE RIGHT TO WITHDRAWYOUR LISTING. IF ALOAN IS MADE TO YOU, YOUDO NOTHAVEANY RIGHT TO RESCIND THE LOAN. Ifyou elect t0 Withdraw your listing, the inquiry posted 0n your credit profile upon your acceptance 0fthis Agreement will not be removed. We reserve the right, in our sole discretion, t0 limit the nurrber oflistings you submit 0r attempt t0 submit through the Platform Additional Loans. Additional loans are subject t0 additional restrictions. The guidelines and eligibility requirements for additional loans are posted 0n the Prosper website and are subject t0 change by us in our sole discretion at any time Without notice. Subject t0 these requirements, you Imy have up t0 two loans outstanding at any one titm, provided that the aggregate outstanding principal balance ofyour loans does not exceed the Imxitmm loan amount then in efl'ect. YouImy not submit a listing for a second loan unless you meet the eligibility requirements then in efl'ect as 0f the date 0fsuch submission ProhibitedActivities. You agree that you will not, in connection with any listings, investor commitments, loans 0r other transactions involving 0r potentially involving Prosper 0r Bank, (1) Imke any filse, misleading 0r deceptive stateImnts 0r omissions ofrmterial fict; (i1) misrepresent your identity, 0r describe, present 0r portray yourselfas a person other than yourself, (iil) give t0 0r receive fiom, 0r ofl‘er 0r agree t0 give t0 0r receive fiom, any Prosper investor member 0r other person any fee, bonus, additional interest, kickback 0r thing ofvalue ofany kind, including in exchange for such person's comnitrmnt, 0r ofl‘er 0r agreeImnt t0 Imke a commitrmnt with respect t0 your listing and (iv) represent yourselfto any person as a director, oficer 0r employee ofProsper, PMI 0r Bank, unless you are such director, oficer 0r employee. 4. Right t0 Ven'fy Infonmtion and Cancel Funding. a. We reserve the right t0 verify the accmacy 0fall inforrmtion provided by borrower and investor members in connection With listings, investor commitrmnts and loans. We also reserve the right t0 determine in our sole discretion Whether a registered user is using, 0r has used, the Prosper website illegally 0r in Violation ofany order, writ, injunction 0r decree ofany court 0r govemrrnntal instrurmntality, for putposes Offiaud 0r deception, 0r otherwise in a Imnner inconsistent With the Prosper Tems and Conditions 0r any agreement between Prosper 0r Bank and such user. We Imy conduct our review at any time - before, during 0r after the submission ofa listing, 0r before 0r afier the fimding ofa loan You agree t0 respond promptly t0 our requests for information in connection With any such review by us. We reserve the right t0 cancel your listing if we determine, under our sole discretion, that you have fiiled t0 respond t0 our requests for inforrmtion in a timely Imnner in connection with our vefification process. b. In the event we determine, prior t0 funding a loan, that a listing, 0r an investor commitment for the listing, contains Imterially inaccurate inforrmtion (including but not limited t0 inaccuracies related t0 the borrower's income, residence 0r creditworthiness, Whether 0r not due t0 changes in circumstance) 0r was submitted illegally, in Violation 0fany order, writ, injunction 0r decree 0fany court 0r governmental instrurmntality, for putposes offiaud 0r deception, 0r otherwise in a Imnner inconsistent with the Prosper TemB and Conditions 0r any member agreement, 0r was generated in error 0r is otherwise inconsistent With the applicable credit policy and criteria, we Imy refijse t0 accept the listing 0r, ifthe listing has already been accepted, remove the listing fiom the Platform and cancel all investor comnitments with respect t0 the listing c. When a listing receives comnitrmnts equal t0 0r exceeding the minitmm amount required for the loan t0 fund, we Imy conduct a 'bre-fimding" review prior t0 fimding the loan Loan fimding occurs When loan proceeds are disbursed t0 0r at the direction 0fthe borrower. We Imy, at any time and in our sole discretion, delay fimding 0fa loan (1) in order t0 enable us t0 verify the accmacy 0finforrmtion provided by borrower menbers, investor members in connection With the listing 0r investor comnitments Imde with respect t0 the listing (i1) t0 determine Whether there are any irreglflarities with respect t0 the listing 0r the investor commitments; 0r (iil) ifwe become aware ofinforrmtion concerning the borrower member 0r the listing during our pre-fimding review, as a result ofwhich we determine, in our sole discretion, that the likelihood 0fthe borrower not Imking payrmnts 0n the loan is Imterially greater than would be expected based 0n the assigned Prosper Rating, We Imy cancel 0r proceed with fimding the loan, depending 0n the results ofour pre-fimding review. Iffimding is cancelled, the listing will be removed fiom the Platform and all investor comnitments against the listing will be cancelled. In the event we cancel fimding ofa loan, we will notify the borrower, and all investor members Who Imde comnitrmnts with respect t0 the listing 0fsuch camellation d. We Imy vefify any 0fthe information you provide in applying for a loan and creating a listing, and Imy require that you submit evidence suficient t0 permit us t0 ven'fy the inforrmtion you provided 0r other inforrmtionwe deem necessary. We have sole discretion t0 determine What evidence sufices, and it is your obligation t0 provide that evidence. Ifyou fiil t0 d0 so Within a reasonable titmfi‘arm within our discretion, we Imy cancel your listing, However, ifwe are able t0 obtain the informationwe require fiom other sources, 0r determine that the inforrmtion is no longer necessary, your loanImy originate even though you have not submitted the required documents. 5. Matching 0fInvestor Comm'tments and Listings; Loan Funding. a. Ifyour listing is allocated t0 the Note Channel, Prosper investor Imnbers will be able t0 View your listing and commit fimds t0 purchase Notes issued by Prosper, the payments 0n Which will be dependent 0n payrmnts Prosper receives fiomyou 0nyour loan In other words, the Prosper investor members Who comnitted funds will receive payrmnts 0n their Notes only t0 the extent you Imke payrmnts 0n your loan Ifyour listing is allocated t0 the Active Loan Channel 0r the Passive Loan Channel, Prosper investor members will commit funds t0 purchase fiom Prosper a Promissory Note evidencing the loanImde by Bank t0 you b. A Imtch ofyour listing With one 0r more investor comnitments equal t0 0r exceeding the minitmm amount required for the loan t0 fimd, will result in a loan fiomBank t0 you, subject t0 our right t0 vefify inforrmtion as described above. The loan will be evidenced by a PromissoryNote in the form set forth 0n the attached ExhibitA Depending 0n the loan product you receive, loan proceeds are disbursed into your designated deposit account 0r they are paid directly t0 a merchant in satisfiction ofyour purchase ofgoods and/or services fiom that merchant. The loan Imy be sold by Bank t0 Prosper, and Prosper Imy hold the loan 0r sell it t0 one ofits investor Imnbers. Prosper 0r its agents will service the loan 0n behalfofthe loan's owner. c. We d0 not warrant 0r guaranty that your listing will be Imtched with any investor commitments. Your listing Imst receive one 0r more investor commitrmnts equal t0 0r exceeding the minitmm amount required for the loan t0 fimd in order for a loan t0 be Imde. d. T0 safeguard your privacy lights, your name and address will not be included in your listing, Only your Prosper screen narm will appear 0n your listing, and only the screen narm 0fthe investor Imnbers will appear With investor comnitrmnts. 6. Coupensation. Ifyou receive a loan, you Imst pay Bank a non-reflmdable origination fee. The amount 0fthe estirmted origination fee is stated in the disclosures provided t0 you at the tirm you apply. This amount will decline ifyou've been ofl'ered a partial fimding option and your loan is not 100% fimded. Nomithstanding the foregoing, no amount 0fthe finally determined fee is refimdable. The finally determined fee will be stated in your Truth in Lending disclosure. This fee will be deducted fiomyour loan proceeds, so the loan proceeds delivered t0 you 0r at your direction will be less than the fill] amount ofyour isswd loan You acknowledge that the origination fee will be considered part ofthe principal onyour loan and is subject t0 the accrual ofinterest 7. Making Your Loan Paynents. At the tiIrE you reg'ster as a b01T0wer, you mlst provide your bank account infimmtion to ficilitate nansfms offimds to and fromyour bank account. Yom loan payrmms will be Imde by the payrmnt Imthod you choose. Prosper 0r its agents will act as the servicer for all loans you obtain through the Platfimn, and all comnmicatiom regarding your loan mlst be Imde to Prosper or its agents. 8. Collection& Reporting 0f Delinquent loans. In the event you do not Imke your loan payrmnts on titm, Bank or any subsequent owner of the loan Will Inve all reIrBdies authorized 0r pennitted by the Promissory Note and applicable law. In addifion, ifyou fiil t0 Imke firmly payments onyour loan, your loanImy be referred to a collection agency ibr collection Prosper or its agents nayrepon loan payrmnt delinquencies in excess ofthilty (30) days to one or more credit repOIting agencies in accordance With applicable law. See the "Permission to Contact" section below for additional important inforrmtion 9. N0 Guarantee. Neither Prosper nor Bank warrants or guarantees (1) that your listing Will be Hatched with any investor comniIImnts, or (2) that you Will receive a loan as a result ofsubmitting a listing 10. Restrictions 0n Use. You are not autIDrized or pennitted t0 use the Prosper website to obtain, or attempt to obtain, a loan for someone other flnnyoulself You are not authorized 0r permitted to use the Prosper website to obtain, 0r attempt to obtain, a loan for the pmpose of(1) buying, calrying or trading in securities or ibr the putpose ofbuying or carrying any part ofan investIant contract secufity, (i1) paying for postsecondary educational expenses (i 6., tuition, fees, required equipmnt or supplies, or room and board) at a college/tmiversity/vocational school, as the term 'postsecondary educational expenses" is defined in Bureau ofConsurmr Financial Protection Regulation Z, 12 C.F.R § 1026.46(b)(3), 0r (iil) engging in any illegal activity 0r gnifling, and you wan‘ant, represent am agree tint you will not use the proceeds ofany loan for such purposes. You trust be an owner ofthe deposit account you designate for electronic transfers offunds, With authority to direct tlnt loanpayments be Imde fiom the account. Althougl you are registering as a borrower menber, youImy also register and participate on the Platfonn as an investor anber. Ifyou participate 0n the Platform as an investor Irenber, any annunts in your Prosper fimding account are subject t0 set-ofiagainst any delinquent amounts owing 0n any loans you obtain as a Prosper borrower. Youwill not receive fiuther notice in advance ofour exercising our right to set-ofiamounts in your Prosper fiJnding account aginst any delinquent amounts owing on any 10am you obtain Ifyou obtain a loan and fiil to pay your loan in fill], whether due t0 defiult, bankruptcy 0r other reasons, you will not be eligible to submit any fiIITher listings or re-reg'ster with Prosper as a borrower 0r investor rmnber. We rmy in our sole discretion, With or Without cause and with or without notice, restrict your access t0 the Prosper website 0r Platfinm 11. Authority. You warrant and represent that you have the 1631 conpetence and capacity to execute and perfimnthis Agreetmnt. 12. Teminafion 0f Registration. Prosper Imy, in its sole discretion, with or without cause, terminate this Agreement at any time by givingyou notice as provided below. In addition, upon our detcnnination flat you committed fiaud or Imde a Iraterial misrepresentation in commotion with a listing investor con’minmnt or loan, perfimmd any prohibited activity, or otherwise fiiled to abide by the terns ofthis AgreeImnt or the Prosper Terrm and Conditions, we Imy, inour sole discretion, immediately and without notice, take one or Imre ofthe fifllowing actions: (1) terminate or suspend your riglt t0 submit listing or othewvise participate 0n the Platfonn; or (i1) tenninate this AgreeIIEnt and your regsuafionwfih Prosper. Upon tennination ofthis Agreeant and your registration With Prosper, any listings you have submitted through the Plattbrm slnll be cancelled, and will be removed fiom the Platform immediately. Any loans you obtain pn'or to the efiective date oftemination resultingfiom listings you had placed on the Platform shall rennin in fifll force and efiect in accordance with their tents. 13. Prosper's Right t0 Modify Tenm. Prosper has the right to clunge any term or provision ofthis Agleetmnt 0r the Prosper Tents and Conditions. Prosper Will give you notice ofrmterial changes to this Agreermnt, 0r the Prosper Tenm and Conditions, in the Immer set firth in Section 15. You authorize us to correct obvious clerical errors appearing in informationyou provide to us, without notice to you, althoughwe expressly mxlettake no obligation to identify 0r conect such errors. This Agreement, along with the Prosper Tents and Conditions, represents the entire agreeImnt between you and Prosper regarding your participation as a borrower 0n the Platfimn, and supersedes all prior or contenporaneous comnmications, promises and proposals, whether oral, written 0r electronic, betweenyou and Prosper with respect t0 your involvermnt as a borrower on the Platfonn l4. Posting 0f Petsonal Infomntion. You Imy not include or display any personally identifiling inflmmtion ofany Prosper Imnber anywhere onthe Prosper website, imluding, Without limitation, any Prosper tmnbel’s name, address, phone umber, etmil address, Social Security number, dflver's license nutrber, bank account nunber or credit card nutrber. 15. Notices. A11 notices and other conmmications hereunder shall be given either by. (1) eImil to your registered entail address; (2) nnssage to your Prosper rmssage inbox; (3) posting 0n your Prosper account's 10gb, post-login, or horm page; (4) posting t0 the HistOIy section (or one 0f its subsections) ofyour Prosper account; (5) posting on the Prosper website, (6) deposit with U.S. nail or other mtiomlly recognized courier, and shall be deeImd t0 have been duly given and efictive upon transmission or posting, 0r (7) any other nmans authorized by you It is your responsibility t0 Imnitor these areas. You can contact us by sending an ermil t0 smport@prosper.com You agree to notify Prosper ifyour registered ermil address cfmnges, and you agree t0 update your reg'stered residence address, trailing address and telephone nunber on the Prosper website ifany ofthose items changes. 16. No Warranties. Except for the representations contained in this AgreeImnt, Prosper does not Hake any representations or wananties t0 you or any other paIty with regrd t0 your use ofthe Prosper website or the Platfimn, including but not limited to, any irrplied waITanties of rmrclnntabflity or fitmss fir a particular purpose. 17. Linitation 0n Liability. In no event shall any party to this Agreemnt be liable to any other party ibr any lost profits 0r special, exerrplary, consequential or punitive datmges, even ifinfimmd 0fthe possibility ofsuch dannges. Furthertmre, neither party Imkes any representation 0r wananty to any other party regarding the efiect that tIE AgreeImnt Imy Inve upon the foreigx fidera], state or local tax liabilin ofthe other. 18. STATE NOTICES California Residents: Manied reg‘strants Imy apply fir a separate account. Maire Residents: NOTICE TO CONSUMER Do not sigl this agreetmnt befbre you read it. You are entitled to a copy 0fthis agreeIIBnL Maim law requires that the following disclosures be provided t0 you befbre any contract is signed With, and befbre any Imney is paid to, Prosper or to third parties. The agreement between you and Prosper trust be inwriting and signed, and trust contain a description 0fthe services to be performed, payrmnt details, any guarantees, the firm fiarm 0fthe contact, and OECIS offifll 0r partial refimds, as well as a notice infoming you of the iIIportame ofreading the contract and retaining a copy. Prosper Ins a $25,000 consurmr protection bond 0n file with the State ofMaim. If you have a claimaginst Prosper that cannot be resolved through infimml means, you Imy institute an action to recover your loss fiom that bond by filing a written complaint with the Squerintendent, Bureau ofConsurmr Credit Protection, 35 State House Station, Augusta, Maine 04333|0035. North Dakota Residents: NOTICE: MONEYBROKERS ARE LICENSEDAND REGULATED BY THE DEPARTNIENT OF FINANCIAL INSTITUTIONS, 2000 SCHAFER STREET, SUITE G, BISMARCK, NORTHDAKOTA 58501I1204. THEDEPARTMENT OF FINANCIAL INSTITUTIONS HAS NOTPASSED ON THE MERITS OF THE CONTRACTAND LICENSING DOES NOT CONSTITUTEAN APPROVAL OF THE TERMS OROF THE BROKER'S ABILITY TO ARRANGEANY IDAN. COMPLAINTS REGARDING TIE SERVICES OF MONEYBROKERS SHOULD BE DIRECTED TO THE DEPARTMENT OF FINANCIAL INSTITUTIONS. Ohio Residents: The Ohio laws against discrimination require that all creditors Imke credit equally available to all credit W01thy custom, and that credit reporting agencies rmintain separate credit histories on each individual upon request. The Ohio civfl riglts commission administCIS conpliance with this law. Texas Residents: For questions 0r conplaints about this loan, contact Prosper Marketplace, Inc. at 1|866I615|63 1 9 0r smport@prosper.com Prosper Marketplace, Inc. is licensed and examined under Texas law by the Ofice ofConsutmr Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting Prosper Marketplace, Inc., consmmrs can contact the OCCC to file a corrplaint or ask a general creditlrelated question OCCC address: 2601 N. Latmr B1Vd., Austin, Texas 78705. Phone: (800) 538I 1579. Fax (5 12) 936I7610. Website: occc.texas.gov. Eltmik consmmnco laints occc.texas. V Wisconsin Residents: N0 provision ofa Irmital property agreeIIBnt, a Lmilatelal statermnt or a coutt decree adversely afiects the interest ofthe creditor unless the creditor, pn'or to the film the credit is granted, is filmished a copy ofthe agreement, statement or decree 0r has actual knowledge 0fthe adverse provision when the obligtion to the creditor is incumd Please see the attachedem'ssory Note for additional inportant state notices. 19. Miscellaneous. You Imy not assign, tramfir, subliceme or othewvise delegate your rights under this Agreenmt t0 another person without Prosper's pfior written consent Prosper Imy assigl this AgreerrEnt at any tint Without your pcmission, unless prohibited by applicable law. Any such assignment, transfer, sublicense or delegation in violation ofthis Section 19 slall be null and void. This AgreCImnt slull be governed by federal law and, to the extent that state law applies, the laws 0fthe State ofDelaware. Any waiver ofa breach ofany provision ofthis Agreement will not be a waiver ofany other breach Failure 0r delayby either party to enforce any term or condition 0fthis Agreement will not comtitute a waiver ofsuch termor condition Ifany part 0fthis Agreeernt is determined to be invalid 0r unenforceable under applicable law, then the invalid or unenfinceable provision will be deermd superseded by a valid enforceable provision that most closely Hatches the intent 0fthe original provision, and the reminder 0fthe Ageermnt slall continue in eflect. Bank is not a patty to this Ageermnt, but you agree flat Bank is a third- party bemficiary and is entitled t0 rely 0n the provisions ofthis AgreeIIBnt, including without limitation your representations, covenants and agreements herein There are no third party beneficiaries to this Ageetmnt other flan Bank. 20. Perfonmnce by Prosper and Bank. You acknowledge and agree flat any obligations ofor actions by Prosper under this Ageetmnt Imy be perfonmd byPMI on behalfofProsper in PMI's capacity as servicer or agent ofProsper under any administrative services or similar agreement entered into between PMI ale Prosper pursuant to Which Prosper appoints PMI as servicer or agent to provide administrative, Immgetmnt, servicing or other services to Prosper. You also acknowledge and agree that any obligations ofor actions by Bank under this Agreement Imy be perfimmd by PMI 0nbehalfofBank in PMI'S capacity as agent ofBank under any loan program or similar ageermnt entered into between PMI and Bank pmsuant to Which Bank appoints PMI as agent t0 provide services to Bank. 21. Separate Entities. Nomithstandjng Section 20, you acknowledge and agree flat Prosper, Bank and PMI are separate 1631 entities and that neither entity Ins guamntaed the perfonmme by the other entity ofits obligtions hereunder. 22. Animation RESOLUTION 0F DISPUTES: YOUACKNOWLEDGE THAT YOU HAVE READ THIS PROVISION CAREFULLY, AND UNDERSTAND THAT IT LIMITS YOUR RIGHTS 1N THE EVENT 0FA DISPUTEBETWEEN YOUAND US. YOUUNDERSTAND THATYOUHAVETHE RIGHT T0 REJECT THIS PROVISION, As PROVIDED IN PARAGRAPH (i) BELOW. (a) In this Resolution ofDisputes provision (1) "You" and "your" Imanthe individual entcn'ng into this Agreement, as well as any person claiming through such individual; (i1) "We" and "us" mean Bank and Prosper Funding LLC and each 0ftheir respective parents, subsidiaries, afiliates, predecessors, successors, and assigns, as well as the oficers, directors, and employees ofeach 0fthem; (iil) "Claim" means any dispute, claim, 0r controversy (Whether based 0n contract, tort, intentional tort, constitution, statute, ordinance, common law, 0r equity, Whether pre- existing, present, 0r filture, and Whether seeking monetary, injunctive, declaratory, 0r any other relief) afising fiom 0r relating t0 this Agreement 0r the relationship between us and you (including claims afising prior t0 0r afier the date 0fthe Agreement, and claims that are currently the subject ofpulported class action litigation in Which you are not a menber ofa certified class), and includes claims that are brought as counterclaim, cross claims, third party claims 0r otherwise, as well as disputes about the validity 0r enforceability 0fthis Agreement 0r the validity 0r enforceability 0fthis Section 22. (b) Any Claim shall be resolved, upon the election ofeither us 0r you, by binding arbitration administered by the Armrican Arbitration Association 0r JAMS, under the applicable arbitration rules 0fthe administrator in efl'ect at the tirm a Claim is filed ('Rules') Any arbitration under this Agreement “ill take place 0n an individual basis; class arbitrations and class actions are not pemitted. Ifyou file a claim, youImy choose the administrator; ifwe file a claim, we Imy choose the administrator, but we agree t0 change t0 the other permitted administtator at your request (assuming that the other administrator is available). You can obtain the Mes and other inforrmtion about initiating arbitration by contacting the Armrican Arbitration Association at 1633 Broadway, 10th Floor, New York, NY 10019, (800) 778-7879, www.adr.0rg; 0r by contacting JAMS at 1920 Main Street, Suite 300, Irvine, CA 92614, (949) 224- 1810, www.jamadmom The address for serving any arbitration dermnd 0r claim onus is Prosper Marketplace, Inc., 221 Main Street, Suite 300, San Francisco, CA 94105, Attention Compliance. (c) Claims will be arbitrated by a single, neutral arbitrator, Who shall be a retired judge 0r a lawyer with at least ten years' experience. We agree not t0 invoke our light t0 elect arbitration ofan individual Claim filed by you in a srmll claims 0r similar com (ifany), so long as the Claim is pending 0n an individual basis only in such com. (d) We will pay all filing and administration fees charged by the administrator and arbitrator fees up t0 $ 1 ,000, and we will consider your request t0 pay any additional arbitration costs. Ifan arbitrator issues an award in our fivor, you will not be required t0 reimburse us for any fees we have previously paid t0 the administrator 0r for Which we are responsible. Ifyou receive an award fiom the arbitrator, we will reimburse you for any fees paid by you t0 the administtator 0r arbitrator. Each party shall bear its own attorney‘ s, expert's and Witness fees, Which shall not be considered costs ofarbitration; however, ifa statute gives you the light t0 recover these fees, 0r fees paid t0 the administrator 0r arbitrator, then these statutory rights will apply in arbitration (e) Any in-person arbitration hearing will be held in the city with the federal district com closest t0 your residence, 0r in such other location as you and we Imy mutually agree. The arbitrator shall apply applicable substantive law consistent with the Federal Arbitration Act, 9 U.S.C. § 1- 16, and, ifrequested by either party, provide written reasoned findings offict and conclusions oflaw. The arbitrator shall have the power t0 award any reliefauthon'zed under applicable law. Any appropriate com Imy enterjudgrmnt upon the arbitrator's award. The arbitratof s decision will be final and binding except that: (1) any party Imy exercise any appeal right under the FAA; and (2) any party Imy appeal any award relating t0 a claim for more than $ 100,000 t0 a three-arbitrator panel appointed by the administrator, Which will reconsider de novo any aspect 0fthe 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 ofits outcome. However, we will consider any reasonable written request by you for us t0 bear the cost. (f) YOUANDWEAGREE THAT EACHMAY BRING CLAIMS AGAINST THE OTHERONLY IN OURINDIVIDUAL CAPACITY, ANDNOTAS A PLAINTIFF ORCLASS MEMBERIN ANY PURPORTED CLASS ORREPRESENTATIVE PROCEEDING. Further, unless both you and we agree otherwise inwriting, the arbitrator Imy not consolidate more than one person's claims. The arbitrator shall have no power t0 arbitrate any Claims 0n a class action basis 0r Claims brought in a pLIIpOIted representative capacity 0n behalfofthe general public, other borrowers, 0r other persons similarly situated. The validity and efl'ect 0fthis paragraph (f) shall be determined exclusively by a court, and not by the administrator 0r any arbitrator. (g) Ifany portion 0fthis Section 22 is deermd invalid 0r unenforceable for any reason, it shall not invalidate the retraining portions 0fthis section However, ifparagraph (t) 0fthis Section 22 is deemed invalid 0r unenforceable in Whole 0r in paIt, then this entire Section 22 shall be deemed invalid and unenforceable. The terns 0fthis Section 22 will prevail ifthere is any conflict between the Rules and this section (h) YOUAND WEAGREE THAT, BYENTERING INTO THIS AGREEMENT, THE PARTIES AREEACHWAIVING THE RIGHT TOA TRIAL BYJURYOR TO PARTICIPATE IN A CLASS ACTION. YOUAND WEACKNOWLEDGE THAT ARBITRATION WILL LflVIIT OUR LEGAL RIGHIS, INCLUDING THE RIGHT TO PARTICIPATE IN A CLASS ACTION, THE RIGHT TOAJURYTRIAL THE RIGHT TO CONDUCT FULL DISCOVERY, AND THE RIGHT TO APPEAL (EXCEPT AS PERMITTED IN PARAGRAPH (e) OR UNDER THE FEDERAL ARBITRATION ACT). (1) You understand that youImy reject the provisions 0fthis Section 22, inWhich case neither us nor you will have the right t0 elect arbitration Rejection 0fthis Section 22 will not afl'ect the retraining parts 0fthis AgreeImnt. T0 reject this Section 22, you Imst send us written notice ofyour rejection Within 30 days after the date that this Agreement was Imde. You Imst include your name, address, and account nurrber. The notice 0f rejection trust be Imiled t0 Prosper Marketplace, Inc., 221 Main Street, Suite 300, San Francisco, CA 94105, Attention Legal Departrmnt. This is the onlyway that you can reject this Section 22. (j) You and we acknowledge and agree that the arbitration agreement set forth in this Section 22 is Imde pursuant t0 a transaction involving interstate commerce, and thus the Federal ArbitrationAct shall govern the interpretation and enforcement 0fthis Section 22. This Section 22 shall survive the termination 0fthis Agreement. (k) This section shall not apply to covered borrowers as defined in the Military Lcndjng Act 23. Electronic Trans actions. This AgreeImnt includes your express consent t0 electronic transactions and disclosures, which coment is set forth in the section entitled "Consent t0 Doing Business Electronically" as disclosed in our Tears oste 0n our website, the terns and conditions 0fwhich are expressly incorporated herein in their entirety. You expressly agree that each 0f (a) this AgreeImnt and (b) any Prom'ssory Note in the formset forth 0n the attached ExhibitA that “e sign on your behalf, may conpn'se a "transferable record" for all purposes under the Electronic Signatures in Global and National Conmerce Act and the Uniform Electmnic Trans actions Act. 24. Perm'ssion t0 Contact. When you give us your helm and/or mobile phone nunber, we have your pemission t0 contact you at that nunber 0r nunbels, and any other nunber we believe we Imy mach you through (unless prohibited by applicable law), about your Prosper accounts. Your consent allovss us to use text messaging, artificial 0r prerecorded voice rmssages and autOImtic dialing technology, for all purposes not prohibited by applicable law. Message and data rates may apply. You Imy revoke this consent at any time by contacting Pmsper by enniling us at supmrfl’glprosmncom 0r calling us at 1-866-615-6319. We Imy also send an elmil to any address where we reasonably believe “e can contact you. Sorm of the purposes for calls and Imssages include: suspected fraud or identity the ft; obtaining infomIation; transactions on 0r servicing ofyour account; and collecting 0n your account. Our rights under this Section extend to our afiliates, subsidiaries, patents, agents, vendors, and anyone so affiliated with the owner 0f any note evimncing a loan you obtain. Notify us imlmdiately 0f any changes t0 your contact infonmfion by changing your contact infonmtion on your Prosper account information - settings page. 25. Appointment of Linited Power ofAttorney and Note Registrar. Ifyour listing mceives suflicient investor comm‘tments t0 fund, and you d0 not withdrawyour listing prior t0 expiration 0f the listing period, you hereby authorize each 0f Prosper and PMI(and their affiliates) t0 act as your true and lawful Attomey-in-Fact and agent, with full power 0f delegation and substitution, foryou in your name, place and ste ad, in any and all capacities, t0 conplete and execute a Pmnissory Note containing the nnterial terns set forth 0n the attached ExhibitA 0n your behalf in favor 0fBank and Ieflecting the debt obligation reflected 0n your final Truth in lending disclosure(s). You further authorize Prosper andPMI (and their affiliates) t0 (i) performeach and evely act necessary t0 be done in connection with executing such Pmm'ssory Note as you night or could d0 in person and (ii) approve, execute and deliver the provisions 0f any instruments, documents, agreements, powers, releases and certificates mlatedto the Pmm'ssory Note and t0 perform each and every actions regarding the same, including but not linited t0, any legal 0r beneficial assignment 0f the Prom'ssory Note. This Power 0f Attorney is linited to the purpose described above. This Power 0f Attorney Imy be revoked by contacting Prosper by elmiling us at sgpmlt@pmsgr.c0m 0r calling us at 1-866-615- 6319 and closing your account only if done prior t0 the origination 0f your loan and execution 0f the Prom'ssory Note 0n your behalf. Ifyou choose t0 revoke this Power 0f Attorney prior t0 execution, “e will be unable to process your loan request and any pending loan request “ill be considered withdrawn. Any act 0r thing lawfully done hereunder prior t0 any revocation and within the povms herein by any attorney in fact shall be binding 0n you and your heils, legal and pelsonal representatives and assigns. You further appoint Prosper as your authorized agent (in such capacity the "Note Registrar") t0 nnintain a book-ently system (the "Register") identifying the ownem 0f such Prom'ssory Note and the ownels' addresses and payment instructions. The petson 0r persons identified as owners 0f such Pmm‘ssory Note in the Registershall be deemedto be the owner(s) 0f the Pmm‘ssory Note for purposes 0f receiving payment 0f principal and interest 0n such Pmm'ssory Note and for all other purposes. Any transfer 0f such Prom'ssory Note shall be effective only upon being recorded in the Register. The Note Registrar Imy retain the services 0f another party to fulfill its duties as Note Registrar. The Note Registrar's reconlkeeping obligations Will be unafiected by any transfers of the Prom'ssory Note. 26. Military lending Act. The Military Lending Act provides specific protections for active duty service members and their dependents in consurmr credit tIansactions. This Section includes infonmtion on the protections provided to covered bOITowers as defimd in the MflitaIy Lending Act. a StateIIBnt ofMAPR Federal law provides important protections to Henbers ofthe Armed Forces ale their dependents relating to extensions ofconsmmr credit. In genera], the cost ofconsutmr credit to a nbnber ofthe Anmd Forces and his or her dependent Imy not exceed an annual percentage late 0f36 percent This rate trust imlude, as applicable to the credit transaction or account: The costs associated with credit insulame premiums; fees for ancillary products sold in conmctionwith the credit transaction; any application fee charged (other than certain application fees fbr specified credit transactions 0r accounts); and any participation fée clmged (other than certain participation fees fi)r a credit card account). (b) The following sections ofthis Agl'eenfint and the Promissory Note slull not be applicable to, and SIBII not be enbmeable aginst, a covered borrower as defined in the Militaly Lending Act: Section 22 ofthis Ageermnt and Section 18 ofthe Promissory Note. (c) Oral Disclosures. Please call 1-855-993-2967 t0 obtain oral disclosures, inchlding the stateImnt ofMAPR and the payrmnt schedule applicable t0 your loan, required under the Military Lending Act. EXHIBITA PronissoryNote Loan ID: Borrower Address: 1. Pmm'se t0 Pay. In return for a loanI have received, Ipromise t0 pay WebBank ("you'9 the principal sum 0f Dollars ($ ), together with interest thereon comrmncing 0n the date oforigination at the rate 0f percent (_%) per annum simple interest. I understand that references in this Promissory Note ("Note'3 t0 you shall also include any person t0 Whomyou transfer this Note. 2. Payments. I will pay the principal, interest, and any late charges 0r other fees 0n this Note When due. This Note is payable in_ monthly installrmnts 0f$ each, consisting ofprincipal and interest, comrmncing 0n the day 0f , and continuing until the final payrmnt 0f 0n , Which is the Imturity date 0fthis Note. Because 0fthe daily accrual 0f interest 0nmy loan and the efl'ect ofrounding, my final payrmnt Imy be more 0r less thanmy regular payrmnt. My final payrmnt shall consist 0f the then retraining principal, unpaid accrued interest and other charges due under this Note. A11 payrmnts will be applied first t0 any unpaid fees then due, Whether they are incuned as a result offiiled payrmnts, as provided in Paragraph 11, payrmnt processing fees assessed, 0r any late payrmnts, as provided in Paragraph 4; then t0 any interest then due; and then t0 principal However, ifI am delinquent, the application ofmy payrmnts Imy change. N0 unpaid interest, fees 0r charges will be added t0 principal I finther acknowledge that, ifI Imke my payrmnts after the scheduled due date, 0r incur a charge/fee, this Note will not amortize as originally scheduled, Which Imy result in a substantially higher final payrmnt annunt. 3. Interest. Interest will be charged 0n unpaid principal until the fifll amount ofprincipal has been paid. Interest under this Note will accrue daily, 0n the basis ofa 365-day year. The interest rate I will pay will be the rate I will pay both before and afier any defiult. 4. Late Chalge. Ifthe fifll amount ofany monthly payrmnt is not Imde by its due date, I will pay you a late charge 0fthe greater 0f$15 0r 5.00% 0fthe unpaid portion 0fthe monthly payrmnt. I will pay this late charge When it is assessed but only once 0n each late payrmnt. 5. Clains and Defenses; Waiver 0fDefenses; Exception t0 Waiver. Except as otherwise provided in this Note, you are not responsible 0r liable t0 me for the quality, safety, legality, 0r any other aspect ofany property 0r services purchased with the proceeds ofmy loan IfI have a dispute With any person fiomWhomI have purchased such property 0r services, I agree t0 settle the dispute directly with that person Ifand only if the proceeds 0fmy loan “ill be applied in whole 0r part t0 purchase property 0r services from a person 0r entity that has entered into a contractual relationship with you 0r Pmsper related t0 financing 0f such property 0r services, the follovfing notice Imy apply: NOTICE ANYHOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAHVIS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERYHEREUNDER BYTHE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BYTHEDEBTOR HEREUNDER. 6. Certification. I certify that the proceeds ofmy loan will not be applied in Whole 0r in part t0 postsecondary educational expenses (i 6., tuition, fees, required equipImnt 0r supplies, 0r room and board) at a coflege/miversity/vocational school, as the term 'bostsecondary educational expenses" is defined in Bureau 0fC0nsurmr Financial Protection Regulation Z, 12 C.F.R § 1026.46(b)(3). 7. Method 0fPayme nt. I Imy Imke payrmnts (1) by electronic fund transfer fiom an account thatI designate using an autormted clearinghouse (ACH) 0r (i1) by check. I understand that payrmnts by check Imy incur an additional processing fee ofup t0 $5.00 for each payrmnt by check. Cmently applicable fees are available at www.prosper.com 0r by calling 1-866-615-63 19. I will Imke all checks payable t0 Prosper FundingLLC and send them t0 Prosper Marketplace, Inc., P.O. Box 396081, San Francisco, CA 94139-6081 in a Immer so as t0 ensure that it is received with suficient tirm t0 process prior t0 my scheduled payrmnt due date. T0 ensure eficient processing ofmy check, I will reference my loan nutrber 0n the check. Irecognize that ifI have autormted withdrawal enabled, it is my responsibility t0 ensure that all amounts I owe are paid When due, even ifnot debited fiommy account. IfI close my account 0r ifmy account changes 0r is otherwise inaccessible such that you are unable t0 Withdraw my payrmnts fiom that account 0r process my check, I will notify you at least three (3) business days prior t0 any such closure, change 0r inaccessibility ofmy account, and authon'ze you t0 Withdraw my payrmnts, 0r I will provide a check, fiom another account that I designate. With regard t0 payrmnts Imde by autormtic withdrawals fiommy account, I have the right t0 (1) stop payrmnt ofa preauthon'zed autormtic withdrawal, 0r (i1) revoke my prior authofization for autormtic withdrawals With regard t0 all finther payrmnts under this Note, by notifying the financial institutionWhere my account is held, orally 0r in writing at least three (3) business days before the scheduled date 0fthe transfer. I agree t0 notify you orally 0r in writing, at least three (3) business days before the scheduled date 0fthe transfer, 0fthe exercise ofmy right t0 stop a payrmnt 0r t0 revoke my prior authofization for finther autormtic withdrawals. 8. Default and Remedies. IfI fiil t0 Imke any payrmnt When due in the Imnner required by Paragraph 7, I will be delinquent. IfI (a) am delinquent, (b) file 0r have instituted against me a bankruptcy 0r insolvency proceeding 0r Imke any assignrmnt for the benefit ofcreditors, 0r (c) in the event ofmy death, you Imy in your sole discretion deemme in defiult and accelerate the Imturity 0fthis Note and declare all principal, interest and other charges due under this Note imrmdjately due and payable. Ifyou deemme in defiult due t0 delinquency and ifyou exercise the remedy 0facceleration, you will use reasonable efl'orts t0 provide prior notice 0facceleration 9. Prepayments. I Imy prepay this Note in fifll 0r in part at any time without penalty. I acknowledge that partial prepayrmnts will not change the due date 0r amount ofmy monthly payrmnt. 10. Waivers. YouImy accept late payrmnts 0r partial payrmnts, even though Imrked 'baid in full," without losing any rights under this Note, and you Imy delay enforcing any ofyour rights under this Note Without losing them You d0 not have t0 (a) dermnd payrmnt ofarmunts due (known as 'bresentment') (b) give notice that amounts due have not been paid (known as "notice ofdjshonor') 0r (c) obtain an oficial certification 0f nonpayrmnt (known as 'protest') I hereby waive presentrmnt, notice ofdishonor and protest. Even if; at a time WhenI am in defiult, you d0 not require me t0 pay irrmediately in fifll as described above, you will still have the light t0 d0 so ifI am in defiult at a later time. Neither your fiilure t0 exercise any ofyour lights, nor your delay in enforcing 0r exercising any ofyour lights, will waive those rights. Furtherrmre, ifyou waive any right under this Note 0n one occasion, that waiver will not operate as a waiver as t0 any other occasion 1 1. Insufl'icient Funds Chalge. IfI attempt t0 Imke a payrmnt, Whether by autormted withdrawal fiommy designated account 0r by other means, and the payrmnt cannot be Imde due t0 (1) insuficient fimds inmy account, (i1) the closure, change 0r inaccessibility ofmy account Without my having notified you as provided in Paragraph 7, 0r (iil) for any other reason (other than an error by you), I will pay you an additional fee 0f$ 1 5 for each returned 0r fiiled autormted withdrawal 0r other item, unless prohibited by applicable law. I will pay this fee When it is assessed. 12. Attomeys' Fees. T0 the extent permitted by law, I am liable t0 you for your legal costs ifyou refer collection ofmy loan t0 a lawyer Who is not your salaried employee. These costs Imy include reasonable attomeys' fees as well as costs and expenses ofany legal action 13. Loan Charges. Ifa law that applies t0 my loan and sets Imxitmm loan charges is finally interpreted so that the interest 0r other loan charges collected 0r t0 be collected in connection with my loan exceed the permitted limits, therr (a) any such loan charge shall be reduced by the amount necessary t0 reduce the charge t0 the permitted limit; and (b) any suns already collected fiomme that exceeded permitted limits will be refimded t0 me. You Imy choose t0 Imke this refund by reducing the principalI owe under this Note 0r by Imking a direct payrmnt t0 me. 14. Assignme nt. I Imy not assign any ofmy obligations under this Note Without your written permission YouImy assign this Note at any tirm without my permission Unless prohibited by applicable law, youImy d0 so Without telling1m My obligations under this Note apply t0 all ofmy heirs and permitted assigns. Your rights under this Note apply t0 each ofyour successors and assigns. 15. Notices. A11 notices and other commnications hereunder shall be given in writing and shall be deemed t0 have been duly given and efl'ective (1) upon receipt, ifdelivered in person 0r by ficsimile, ermil 0r other electronic transmission, 0r (i1) one day after deposit prepaid for overnight delivery with a national overnight express delivery service. Except as expressly provided otherwise in this Note, notices t0 me Imy be addressed t0 my registered ermil address 0r t0 my address set forth above unless I provide you with a difierem address for notice by giving notice pursuant t0 this Paragraph, and notices t0 you Imst be addressed t0 WebBank at legal@prosper.com 0r c/o Prosper Marketplace, Inc., 221 Main Street, Third Floor, San Francisco, CA 94105, Attention Legal Department. 16. Governing Law. This Note is governed by federal law and, t0 the extent that state law applies, the laws 0fthe State ofUtah 17. Miscellaneous. N0 provision 0fthis Note shall be modified 0r limited except by an agreement signed by both you and me. The unenforceability ofany provision 0fthis Note shall not afl'ect the enforceability 0r validity ofany other provision 0fthis Note. 18. Arbitration RESOLUTION OF DISPUTES: I HAVE READ THIS PROVISION CAREFULLY, AND UNDERSTAND THAT IT LHVIITS MYRIGHIS IN THE EVENT OFA DISPUTE BETWEEN YOUAND ME. I UNDERSTAND THAT I HAVE THE RIGHT TO REJECI‘ THIS PROVISION, AS PROVIDED IN PARAGRAPH (i) BELOW (a) In this Resolution ofDisputes provision (1) "I," "rm" and 'hly" mean the promisor under this Note, as well as any person claiming through such promisor; (i1) "You" and "your" meanWebBank, any person servicing this Note for WebBank, any subsequent holders 0fthis Note 0r any interest in this Note, any person servicing this Note for such subsequent holder 0fthis note, and each 0ftheir respective parents, subsidiaries, afiliates, predecessors, successors, and assigns, as well as the oficers, directors, and employees ofeach 0fthem; and (iil) "Claim" means any dispute, claim, 0r controversy (Whether based 0n contract, tort, intentional tort, constitution, statute, ordinance, common law, 0r equity, Whether pre- existing, present, 0r filture, and Whether seeking monetary, injunctive, declaratory, 0r any other relief) afising fiom 0r relating t0 this Note 0r the relationship betweenyou and rm (including claims afising prior t0 0r afier the date 0fthe Note, and claims that are cunently the subject ofpurported class action litigation inwhichI amnot a member ofa certified class), and includes claims that are brought as counterclaim, cross claims, third party claims 0r otherwise, as well as disputes about the validity 0r enforceability 0fthis Note 0r the validity 0r enforceability 0fthis Section (b) Any Claim shall be resolved, upon the election 0feither you 0r 1m, by binding arbitration administered by the Armrican Arbitration Association 0r JAMS, under the applicable arbitration rules 0fthe administrator in efl'ect at the tirm a Claim is filed ('Rules') Any arbitration under this arbitration agreement “ill take place 0n an individual basis; class arbitrations and class actions are not pemitted IfI file a claim, I Imy choose the administrator; ifyou file a claim, youImy choose the administrator, but you agree t0 change t0 the other permitted administrator at my request (assuming that the other administtator is available). I can obtain the Mes and other inforrmtion about initiating arbitrationby contacting the Armrican Arbitration Association at 1633 Broadway, 10th Floor, New York, NY 10019, (800) 778-7879, www.adr.0rg; 0r by contacting JAMS at 1920 Main Street, Suite 300, Irvine, CA 92614, (949) 224- 1810, www.jamadmom Your address for serving any arbitration dermnd 0r claimis WebBank, c/o Prosper Marketplace, Inc., 221 Main Street, Third Floor, San Francisco, CA 94105, Attention Legal Departrmnt. (c) Claims will be arbitrated by a single, neutral arbitrator, Who shall be a retired judge 0r a lawyer with at least ten years' experience. You agree not t0 invoke your right t0 elect arbitration ofan individual Claim filed by me in a srmll claims 0r similar com (ifany), so long as the Claim is pending 0n an individual basis only in such com. (d) You will pay all filing and administration fees charged by the administtator and arbitrator fees up t0 $ 1 ,000, and you will consider my request t0 pay any additional arbitration costs. Ifan arbitrator issues an award in your fivor, I will not be required t0 reimburse you for any fees you have previously paid t0 the administrator 0r for Which you are responsible. IfI receive an award fiom the arbitrator, you will reimburse rm for any fees paid by me t0 the administtator 0r arbitrator. Each party shall bear its own attorney‘ s, expert's and Witness fees, Which shall not be considered costs ofarbitration; however, ifa statute gives me the right t0 recover these fees, 0r fees paid t0 the administtator 0r arbitrator, then these statutory rights will apply in arbitration (e) Any in-person arbitration hearing will be held in the city with the federal district com closest t0 my residence, 0r in such other location as you and we Imy mutually agree. The arbitrator shall apply applicable substantive law consistent with the Federal Arbitration Act, 9 U.S.C. § 1- 16, and, ifrequested by either party, provide written reasoned findings offict and conclusions oflaw. The arbitrator shall have the power t0 award any reliefauthon'zed under applicable law. Any appropriate com Imy enterjudgrmnt upon the arbitrator's award. The arbitratof s decision will be final and binding except that: (1) any party Imy exercise any appeal right under the FAA; and (2) any party Imy appeal any award relating t0 a claim for more than $ 100,000 t0 a three-arbitrator panel appointed by the administrator, Which will reconsider de novo any aspect 0fthe 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 ofits outcome. However, you will consider any reasonable written request by me for you t0 bear the cost. (f) YOUAND I AGREE THATEACHMAY BRING CLAIMS AGAINST THE OTHERONLY IN OURINDIVIDUAL CAPACITY, ANDNOTAS A PLAINTIFF ORCLASS MEMBERIN ANY PURPORTED CLASS ORREPRESENTATIVE PROCEEDING. Further, unless both you and I agree otherwise in writing, the arbitrator Imy not consolidate more than one person's claims. The arbitrator shall have no power t0 arbitrate any Claims 0n a class action basis 0r Claims brought in a pLIIpOIted representative capacity 0n behalfofthe general public, other borrowers, 0r other persons similarly situated. The validity and efl'ect 0fthis paragraph (f) shall be determined exclusively by a court, and not by the administrator 0r any arbitrator. (g) Ifany portion 0fthis Section 18 is deermd invalid 0r unenforceable for any reason, it shall not invalidate the retraining portions 0fthis section However, ifparagraph (t) 0fthis Section 18 is deemed invalid 0r unenforceable in Whole 0r in paIt, then this entire Section 18 shall be deemed invalid and unenforceable. The terns 0fthis Section 18 will prevail ifthere is any conflict between the Rules and this section (h) YOUAND I AGREE THAT, BYENTERING INTO THIS NOTE THE PARTIES AREEACHWAIVING THE RIGHT TOA TRIAL BYJURYOR TO PARTICIPATE IN A CLASS ACTION. YOUAND I ACKNOWLEDGE THAT ARBITRATION WILL LHVIIT OUR LEGAL RIGHIS, INCLUDING THE RIGHT TO PARTICIPATE IN A CLASS ACTION, THE RIGHT TOAJURY TRIAL THE RIGHT TO CONDUCT FULL DISCOVERY, AND THE RIGHT TOAPPEAL (EXCEPT AS PERMITTED IN PARAGRAPH (e) OR UNDER THE FEDERAL ARBITRATION ACT). (1) I understand that I Imy reject the provisions 0fthis Section 18, in Which case neither you nor I will have the light t0 elect arbitration Rejection 0fthis Section 18 will not afl'ect the retraining parts 0fthis Note. T0 reject this Section 18, I Imst send you written notice ofmy rejection within 30 days afier the date that this Note was Imde. I Imst include my name, address, and account nurrber. The notice ofrejection Imst be Imiled t0 WebBank, c/o Prosper Marketplace, Inc., 221 Main Street, San Francisco, CA 94105, Attention: Legal Department. This is the only way thatI can reject this Section 18. (j) You and I acknowledge and agree that the arbitration agreeImnt set forth in this Section 18 is Imde pursuant t0 a transaction involving interstate comrmrce, and thus the Federal Arbitration Act shall govern the interpretation and enforceImnt 0fthis Section 18. This Section 18 shall survive the termination 0fthis Note and the repayrmnt 0fany 0r all annunts borrowed thereunder. (k) This section shall not apply t0 covered borrowers as defined in the Military Lending Act. 19. Electronic Transactions. THIS NOTE INCLUDES YOUREXPRESS CONSENT TO ELECTRONIC TRANSACTIONS AND DISCLOSURES, WHICH CONSENT IS SETFORTH IN THE PARAGRAPH ENTITLED "CONSENT TO DOING BUSINESS ELECTRONICALLY" AS DISCLOSED IN PROSPER'S TERMS OF USE ON PROSPERCOM, THE TERMS AND CONDITIONS OF WHICHARE EXPRESSLY INCORPORATED HEREIN IN TPERENTIRETY. YOU EXPRESSLYAGREE THAT THIS NOTEMAY COMPRISEA 'TRANSFERABLE RECORD" FORALL PURPOSES UNDERTHE ELECTRONIC SIGNATURES IN GLOBALAND NATIONAL COMMERCEACTAND THEUNIFORM ELECTRONIC TRANSACTIONS ACT. 20. Registration 0fNote Owners. I have appointed Prosper FundingLLC as my authon'zed agent (in such capacity, the "Note Registrarfi t0 Imintain a book-entry system (the 'Registefl for recording the beneficial owners ofinterests in this Note (the 'Note Owners') The person 0r persons identified as the Note Owners in the Register shall be deemed t0 be the owner(s) 0fthis Note for pmposes ofreceiving payrmnt 0f principal and interest 0n such Note and for all other purposes. With respect t0 any transfer by a Note Owner ofits beneficial interest in this Note, the right t0 payrmnt ofprincipal and interest 0n this Note shall not be efl'ective until the transfer is recorded in the Register. 2 1. State Notices California Residents Married registrants Imy apply for a separate account. As required by law, I am hereby notified that a negative credit report reflecting 0nmy credit record Imy be submitted t0 a credit reporting agency ifI fiil t0 fillfill the terns ofmy credit obligations. Iowa Residents NOTICE TO CONSUMER 1. D0 not sign this paper before you read it. 2. You are entitled t0 a copy 0fthis paper. 3. YouImy prepay the unpaid balance at any time without penalty and Imy be entitled t0 receive a refund ofunearned charges in accordance With law. HVIPORTANT: READ BEFORE SIGNING. The terns 0f this agreement should be read carefully because only those terns in writing are enforceable. N0 other terns 0r oral prom'ses not contained in this written contract Imy be legally enforced. I Imy change the terns 0f this agreement only by anotherwritten agreement. Kansas Residents NOTICE TO CONSUMER 1. D0 not sign this agreeImnt before you read it. 2. You are entitled t0 a copy 0fthis agreeImnt. 3. YouImy prepay the unpaid balance at any time without penalty. Missouri Residents Oral 0r unexecuted agreements 0r comm'tments t0 loan money, extend credit 0r t0 forbear from enforcing repayment 0f a debt including prom'ses t0 extend 0r renewsuch debt are not enforceable. T0 protect me (b0rr0vse1(s)) and you (creditor) from nisunderstanding 0r disappointment, any agreements we reach covering such Imtters are contained in this writing, which is the couplete and exclusive statement 0f the agreement between us, except as we Imy later agree in writing t0 modify it. Nebraska Residents A credit agreeImnt trust be in writing t0 be enforceable under Nebraska law. T0 protect you and rm fiom any misunderstandings 0r disappointrmnts, any contract, promise, undertaking, 0r ofl‘er t0 forebear repayrmnt ofmoney 0r t0 Imke any other financial accommodation in connection with this loan ofmoney 0r grant 0r extension ofcredit, 0r any armndrmnt ofl camellation ofl waiver ofl 0r substitution for any 0r all 0f the terns 0r provisions ofany instrurmnt 0r document executed in connection with this loan ofmoney 0r grant 0r extension ofcredit, Imst be in writing t0 be efl'ective. New Jersey Residents Because certain provisions 0fthis Note are subject t0 applicable laws, they Imy be void, unenforceable 0r inapplicable in 301m jurisdictions. None 0fthese provisions, however, is void, unenforceable 0r inapplicable inNeW Jersey. Ohio Residents The Ohio laws against discrimination require that all creditors Imke credit equally available t0 all credit worthy customers, and that credit reporting agencies Imintain separate credit histories 0n each individual upon request. The Ohio civil rights commission administers compliance With this law. Utah Residents As required by Utah law, I am hereby notified that a negative credit report reflecting 0nmy credit record Imy be submitted t0 a credit reporting agency ifI fiil t0 fulfill the terns ofmy credit obligations. This Note is the final expression 0fthe agreement between the parties and Imy not be comradicted by evidence ofany alleged oral agreeImnt. Was ' 0n Residents For primarily non-consumer pmpose loans: Oral agreements 0r oral commitrmnts t0 loan money, extend credit 0r t0 forbear fiom enforcing repayrmnt 0fa debt are not enforceable under Washington law. Wisconsin Residents N0 provision ofa Imrital property agreeImnt, a unilateral statemnt 0r a com decree adversely afl'ects the interest 0fthe creditor unless the creditor, prior t0 the time the credit is granted, is furnished a copy 0fthe agreeImnt, statement 0r decree 0r has actual knowledge 0fthe adverse provision When the obligation t0 the creditor is immed. 22.Military Lending Act. The Military Lending Act provides specific protections for active duty service members and their dependents in consurmr credit transactions. This Section includes information 0n the protections provided t0 covered borrowers as defined in the Military Lending Act. (a) Statement ofMAPR Federal law provides irrportant protections t0 members 0fthe Arrmd Forces and their dependents relating t0 extensions Ofconsurmr credit. In general, the cost Ofconsumer credit t0 a member 0ftheAde Forces and his 0r her dependent Imy not exceed an annual percentage rate 0f36 percent. This rate Imst include, as applicable t0 the credit transaction 0r 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). (b) Section 18 0fthis Note shall not be applicable t0, 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 t0 obtain oral disclosures, including the statemnt ofMAPR and the payrmnt schedule applicable t0 your loan, required under the Military Lending Act. 23. By signing this Note, I acknowledge that I (1) have read and understand all terns and conditions 0fthis Note, (i1) agree t0 the terns set forth herein, and (iil) acknowledge receipt ofa completely filled-in copy 0fthis Note. Wisconsin Residents: NOTICE TO CUSTOMER (a) DO NOT SIGN THIS IF IT CONTAINS ANYBLANK SPACES. (b) YOUARE ENTITLED TO AN EXACT COPY OF ANYAGREEMENTYOU SIGN. (c) YOU HAVE THE RIGHTATANY TIME TO PAY IN ADVANCE THE UNPAID BALANCE DUEUNDER THIS AGREEMENTANDYOUMAY BE ENTITLED TO A PARTIALREFUND OF THE FINANCE CHARGE. CAUTION II IT IS HVIPORTANT THATYOUTHOROUGHLYREAD THE CONTRACT BEFOREYOU SIGN IT. Date: By: Prosper Marketplace, Inc. Attorney-in-Fact for: [Borrower] (Signed Electronically) Last Updated: May 20 17 Promissory Note man ID. .1722 Bouower Addless: willobyhodgon, 1374 HOLLYBURNEAVEMenlo PaIk, CA 94025. 1. Pmm'se to Pay. Inletum Ibr a loan I have received, Ipnomise to payWebBank ("you") n principal surnofeenthomand dollars ($15,000.00), tognr with interest thereon connencing onthe date oforig'nation at tln late ofsevemeenpoint iour ve percent (17.45%) per annurnsitrple interest. Iunderstand that references inthis ProrrissoryNote (‘Note") to you shall also incluie anyperson to whomyou transfer this Note. 2. Paynmrts. I wlpaytle principal, interest, and anylate charges or otler fees onthis Note Whendue. This Note is payable in35 Inomhly installments of$538. 16 each, consisting ofprincipaland interest, corrrrencing onthe 3rd day ofAuglst 2017, and continuing untiltle nal payrrem of$547.91 on July 3 2020, which is the rmturity date ofthis Note. Became oftle daily accrual ofinterest onrrry loan and tle e‘ect of rounding, my nalpayrrent rmybe more or less thanmy regular payrrem. My nalpayrrent shall consist oftle enrermining principal, unpa' accrwd interest and other chargs din under this Note. Allpayrrents willbe applied rst to anyunpaid fees tlendue, Whetler they are incurred as a result offailed payrrents, as provided inParagraph 1 1, payrrem processing fees assessed, or any late payrrents, as provided inParagraph4; ento any interest then die; and ento principal However, ifI amdelinquent, tle appl'nation ofrrrypayrrents rmy change. No unpa' interest, fees or charges willbe added to principal I irtler acknowledg tint, ifI rmke rrrypayrrents aer the scheduled due date, or incur a charg/fee, this Note willnot amortize as originally scheduled, which rray result in a substantiallyhiger' nalpayrrent amount. 3. Interest Interestwillbe charged on unpaid principaluntil tle ill armum ofprincipal has beenpa'. Interest under this Note will accrue daily, onthe basis ofa 365-day year. The interest rate I willpaywillbe tle rate I wlpaybothbeiore and aer any default. 4. late Charge. Ifthe illamount ofanymonthlypayrrent is not rrade byits due date, Iwillpayyoua late charg oftle greater of$15 or 5.00% oftle unpaid portionofthe momhlypayrrem. Iwillpaythis late charg when it is assessed but only once on each late payrrem. 5. Clairm andDefenses; Waiver ofDefenses; Exception to Waiver. Except as otlerwise provided in this Note, you are not responsible or liable to ne for tle qrality, safety, leglity, or anyother aspect ofanypropertyor services purchased withthe proceeds ofmyloan IfI have a dispute with anyperson om whomI have purchased suchproperty or services, I agree to settle tle dispute directlywith at person Ifand only ifthe proceeds ofmyloanwillbe applied inwhole orpart to purchase propertyor services oma person or entitythat has entered into a contractral relationship with you or Prosper related to nancing ofsuchproperty or services, the iollowing not'ee nay apply. NOI'ICE ANYHOLDEROF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TOALLCLAMS AND DEFENSmWHICH THE DEBTOR COULD ASSERTAGAINST THE SELLEROF GOODSOR SERVICK OBTAINEDWITH THE PROCEEDS I-lERH)F. RECOVERYI-IEREUNDERBYTHEDEBTOR SHALLNOI‘EXCEED AMOUNTS PAID BYTHEDEBTOR I-lEREUNDER. 6. Certication. I certifythat the proceeds ofmy loanwill not be applied inwhole or inpart to postsecondary educatbnal expenses (ie., tuitbn, fees, required equiprrent or supplies, or roomand board) at a colleg/university/vocational school, as the term ‘postsecondary educational expenses" is dened inBureau ofConsurrer Firancial Protectbn RegulationZ, 12 C.F.R. § 1026.46(b)(3)." 7. Method ofPaynent. I naynake payrrents (i) by electronic ind transfer oman accoum that I designate wing an autonated clear-ingrome (ACH), or (i1) by check. I understand that payrrents by check nay incur an additionalprocessing fee oflp to $5.00 for eachpayrrem by check. Currently appl'eable fees are available at www.prosper.comorby calling 1-866-615-63 19. Iwillnake all checks payable to Prosper FundingLIE and send themto Prosper Marketplace, Inc., P.O. Box 396081, SanFrancisco, CA 94139-6081 ina nanner so as to ensure at it is received with sucient tine to process prbr to my scheduled payrrem due date. To ensure ecient processing ofmy check, I willreference my loannunber on tle check. Irecogrize at ifI have autonated withdrawalenabled, it is myresponsibilityto ensure at allanolirts I owe are paiiWhendue, evenifnot debited ommy account. IfI close my account or ifmy accoum changes or is orerwise inaccessible such at you are urable to withdrawmypayrrems omthat account or process my check, I will notifyyou at least rree (3) business days prior to any such closure, chang or iraccessibility ofmy accoum, and authorize you to withdrawmypayrrems, or I willprovide a check, omanorer accoum that I designate. With regrd to payrrems nade by autonatic withdrawals ommy accoum, I have e rigit to (i) stop payrrent ofa preauthorized autonatic withdrawal, or (ii) revokemyprbr authorizatbn for autonat'e withdrawals withregrd to all nther payrrems under this Note, bynotifying re nancial institutbnwhere my account is held, orally or inwriting at least rree (3) business days before e scheduled date ofe transfer. I agree to notifyyou orally or inwriting at least rree (3) business days before re scheduled date ofre transfer, ofe exercise ofmyrigrt to stop a payrrerr or to revoke myprior authorization for rer autonat'e withdrawals. 8. Default andRenedies. IfI fail to nake anypayrrerr when die in e nanner required byParagraph 7, I willbe delinquent. IfI (a) am delinqlerr, (b) le or have instituted aginst ne a bankruptcy or insolvencyproceeding or nake any assigrnem for e benet ofcreditors, or (c) inn event ofmy death, yourmyinyour sole discretiondeemne indefault and accelerate tln natun'ty ofthis Note and declare allprincipa], interest and other chargs dln under this Note irmediately due and payable. Ifyou deernrre in default dln to delinqwncy and ifyou exercise the remedy ofacceleration, youwilluse reasonable ebrts to provide prbr notice ofacceleratbn 9. Pmpaynmrts. I nayprepaythis Note in lllor inpart at anytirre without penalty. I acknowledg tlnt partialprepayrmnts wlnot change the din date or aImum ofmymomhlypayrrem. 10. Waivers. Younay accept late payrrems or partialpayrrems, even thougl Imrked ‘paid in lll," without losing anyrigits under this Note, and younaydelayenforcinganyofyomrigits underthisNote without losingtlnm Youdo not have to (a) dermndpayrmnt ofamounts din (known as ‘presentrrem"), (b) give not'ne that armurts due have not beenpaid (known as "notice ofdishonor"), or (c) obtain an ocial certiation of nonpayrrem (known as ‘protest"). I herebywaive presentment, notice ofdishonor and protest. Even if; at a tirre whenI amindefault, youdo not require rre to payirmediatelyinlllas described above, youwillstillhave the rigrtto do so ifI amindefault at a latertirre. Neitheryour failme to exercise anyofyour rigits, nor your delayineniorcing or exercising anyofyour rigits, willwaive those rigits. Furtlerrnore, ifyouwaive anyrigit under this Note on one occasion, that waiverwillnot operate as a waiver as to any other occasion 11. Insuicient Funds Charge. IfI atterrpt to rmke a payrrem, whetlerby autorrated withdrawal omrny desigmted account orby otler rreans, and tle payrrem cannot be rrade due to (1) insucient mds inrrry account, (i1) tle closure, change or inaccessibilityofmy account without my having notied you as provided inParagraph 7, or (iii) ibr any otler reason (otler than an error byyou), Iwillpayyou an additional fee of $15.00 ior eachreturned or failed autorrated withdrawalor other item, unless prohibited by applicable law. I willpay this fee when it is assessed. 12. Attomeys' Fees. To the extem permitted by law, I amliable to you ior your legl costs ifyou refer collectionofmy loan to a lawyerwho is not your salaried errployee. These costs rmy incluie reasonable attorneys‘ fees as well as costs and expenses ofany legl actbn 13. Inan Charges. Ifa law that applies to rrryloan and sets rraxirrurnloan chargs is nallyinterpreted so tlnt tle interest or otler loan chargs collected or to be collected in connectionwithmy loan exceed the permitted lim'ts, tlerr (a) any such loan charg shallbe reduced bythe armum necessaryto reduce tle charg to tle perm'tted limit; and (b) any surrs already collected omrre that exceeded permitted lim'ts willbe remded to rre. Yourraychoose to rrake this remd byreducingthe principalI owe under this Note or byrmking a direct payrrent to rre. 14. Assignnmrt. I rray not assign any ofmy obligtbns under this Note without yourwrittenperm'ss'nn You rray assign this Note at any titre withoutmyperm'ss'nn Unless prohibited by appl'nable law, you rray do so without telling rre. Myobligtions under this Note apply to all ofmy heirs and perm'tted assigns. Your rigits under this Note applyto eachofyour successors and assigns. 15. Notices. All notices and otler comnmbations hereunder shallbe given inwriting and shallbe deerred to have been duly given and e‘ective (i) upon receipt, ifdelivered inperson or by facsirrile, errail or other electroni: transmission, or (i1) one day aer deposit prepa' ior overnigit deliverywith a national overnigit express delivery service. Ercept as expresslyprovided otherwise inthis Note, notices to rre rraybe addressed to my registered errail address or to my address set iorth above unless Iprovide youwith a di‘erent address ior notice by g'ving not'ne pursuant to this Paragraph, and notices to you rrust be addressed to WebBank at legkaspercomor c/o Prosper Marketplace, Inc., 221 Main Street, Third Floor, San Francisco, CA 94105, Attentbrr LeglDepartrrent. 16. Governing law. This Note is governed byfederallaw and, to the extem that state law applies, tle laws ofthe State ofUtah 17. Miscellaneous. No provis'nn ofthis Note shallbe rmdied or lim'ted exceptby an agreerrent sigted byboth you and rre. The unenibrceability ofanyprovis'nn ofthis Note shallnot a‘ect tle eniorceability or val'ity ofany otler provis'nn ofthis Note. 18. Arbitration. MOLUTION OFDISPUTE: IHAVEREAD THIS PROVISION CAREFULLY, AND UNDERSTAND THAT ITLIIVIITSMYRIGI-ITS IN THEEVENTOFADISPUTEBETWEEN YOUANDME. I UNDERSTAND THATIHAVE THE RIGHT T0REJECI‘ THIS PROVISION, AS PROVIDED IN PARAGRAPH (i) BEIDVV. (a) In this Resolutbn ofDisputes provision: (i) ‘T', ‘he" and ‘my" rrean tle promisor under this Note, as well as anyperson claim'ng througr suchpromisor; (i1) "You" and ‘ ur" rreanWebBank, anyperson servicing this Note iorWebBank, any subsequent holders ofthis Note or any interest in this Note, anyperson servicing this Note ior such subseqlem holder ofthis note, and each oftleir respective parems, subs'iaries, aliates, predecessors, successors, and assigns, as well as the ocers, directors, and errployees ofeach ofthern; and (iir) "Clairri' rreans anydispute, claim, or controversy (whetler based on contract, tort, intentbnal tort, constitution, statute, ordimnce, comnon law, or equity, whether pre-existing, present, or rture, and whether seekingmonetary, iry'unctive, declaratory, or any other relief) arising om or relatingto this Note or the relationship between you and Ire (inclniing clairrs arisingprbr to or after tle date oftle Note, and clairrs tlnt are currently tle subject ofpurported class actbn litigtion inwh'nhI amnot a rrerrber ofa certied class), and incluies clairrs that are brougit as counterclaim, cross clairrs, third party clairrs or otherwise, as well as disputes about the val'ity or eniorceability ofthis Note or tle validity or eniorceability ofthis Section (b) AnyClaim shallbe resolved, won tle electbn ofeitler you or Ire, bybinding arbitratbn administered by the ArrericanArbitratbnAssociatbn or JAMS, under the applicable arbitration rules ofthe administrator in e‘ect at tle titre a Claimis led (‘Rules"). Any arbitration under this arbitration agreemntwill take place on an individual basis; class arbitrations and class actions are not perm'tted IfI le a claim, I rray choose tle administrator; ifyou le a claim, you rray choose the adm'nistrator, but you agree to change to the other perm'tted adm'nistrator at my reqlest (assuming that the other administrator is available). I can obtain tle Rules and other iniorrration about initiating arbitratbnby contacting n Atmr'nanArbilIationAssociation at 1633 Bloadway, 10thFloor, New York,NY 10019, (800) 778-7879, www.adr.org, orby contacting JAMS at 1920 Main Street, Suite 300, Irvim, CA 92614, (949) 224- 1810, wwwjarmadmom Your address ior serving any arbitrationderrand or clairnis WebBank, c/o Prosper Marketplace, Inc., 221 Main Street, Third Floor, San Francisco, CA 94105, Attentbrr LeglDepartrrem. (c) Clairrs willbe arbitrated by a single, neutral arbitrator, who shallbe a retired juige or a lawyerwith at least ten years‘ experience. You agree not to invoke your rigit to elect arbitrationofanirividual Clairnled byrm ina srrallclairrs or similar court (ifany), so long as the Clairnis pending on an individualbasis only in such court. (d) Youwillpay all ling and administration fees charged bythe adrrinistrator and arbitrator fees up to $1,000, and youwill consiier rnyrequest to pay any additional arbitratbn costs. Ifan arbitrator issues an award in your favor, Iwillnot be required to reirrburse you ior any fees you have previomepail to the adrrinistrator or iorwhich you are responsible. IfI receive an award omthe arbitrator, youwillreirrburse Ire ior any fees paid byrm to the adrrinistrator or arbitrator. Echparty shallbear its own attorneys, expert‘s and witness fees, which shall not be consiiered costs ofarbitratbn; however, ifa statute g'ves rm the rigit to recover tlnse fees, or fees paid to tln administrator or arbitrator, then tlnse statutory rigits will apply in arbitrat'nn (e) Any in-person arbitratbn hearingwillbe held in the citywith tln federal district court closest to my residence, or in such otlBr locatbn as you and we naymltually agree. The arbitrator shall apply appl'nable substantive law consistem with tln Federal ArbitrationAct, 9 U.S.C. § 1- 16, and, ifrequested by either party, provide written reasoned nding offact and conclus'nns oflaw. The arbitrator shall have tle power to award any reliefauthorized under appl'nable law. Any appropriate court nay enter julgrrem upon the arbitrator’s award. The arbitrator’s decisionwillbe nal and binding except that: (1) anypartyrrayexercise any appealrigit under tle FAA; and (2) anypartyrmy appeal anyaward relating to a claim ior Imre than $100,000 to a three-arbitrator panel appoirted bythe adrrinistrator, whichwill recons'er de novo any aspect oftle appealed award. The panels decisionwillbe nal and binding except ior any appeal rigit under tle FAA Unless applicable lawprovides otherwise, the appealingpartywillpay tle appeal‘s cost, regrdless ofits outcorre. However, youwill consider any reasonable written request by Ire ior you to bear the cost. (t) YOUAND I AGREE THATEACHMAYBRINGCLAIMS AGAINST THEOTHERONLY IN OUR INDIVIDUAL CAPACITY, ANDNOTAS APLAINTIFF ORCLASSMEMBER IN ANYPURPORTED CLASS ORREPRBENTATIVEPROCEEDING. Further, unless bothyouand I agree otherwise inwriting the arbitrator naynot consolidate Imre than one person‘s clairrs. The arbitrator shallhave no power to arbitrate any Clairrs on a class actbnbasis or Clairrs brougit in a purported representative capacity onbehalfofthe generalpubl'n, other borrowers, or other persons simlarly sitmted. The val'ity and e‘ect ofthis paragraph (f) shallbe determined exclusivelyby a court, and not by the adrrinistrator or any arbitrator. (g) Ifanyportbn ofthis Section 18 is deerred invalid or uneniorceable ior anyreason, it shallnot invalidate the renainingportbns ofthis sectbn However, ifparagraph (f) ofthis Section 18 is deerred inval' or uneniorceable inwhole or inpart, thenthis entire Sectbn 18 shallbe deerred invalid anduneniorceable. The terns ofthis Section 18 willprevailifthere is anycon'ntbetweenthe Rules andthis sectbn (h) YOUAND I AGREE THAT, BYENTERINGINTO THISNOIE THE PARTIE AREEACHWAIVINGTHERIGHTTOA TRIALBY JURYOR TO PARTICIPATE INACLASS ACI'ION. YOUAND I ACIGVOWLEDGE THATARBITRATIONWILL LMT OUR LEGALRIGHTS, INCLUDING THERIGHT TO PARTICIPATE INACLASS ACTION, THERIGHT TOA JURY TRIAL, THERIGI-ITTOCONDUCI‘FULLDISCOVERY,AND THERIGI-ITTOAPPEAL(EXCEPI‘ASPER1\IITIEDIN PARAGRAPH (e)ORUNDER THE FEDERALARBITRATION AC1). (i) I understand tint I nay reject the provisions ofthis Section 18, inwhich case neitler younor I will have the rigit to elect arbitration Rejectbn ofthis Section 18 willnot a‘ect the renainingparts ofthis Note. To reject this Sectbn 18, Inmt send youwrittennotice ofmyrejectbnwithin30 days aer the date that this Note was nade. I nust incluie mynarre, address, and accoum number. The not'ne ofrejection Inst be nailed to WebBank, c/o Prosper Marketplace, Inc., 221 Main Street, San Francisco, CA 94105, Attentbrr LeglDepartnem. This is the onlyway that I canreject this Sectbn 18. (j) You and I acknowledge and agree tint the arbitration agreerrent set iorth inthis Sectbn 18 is Imde pursmm to a transaction involving interstate cormerce, and this the FederalArbitratbnAct shallgwemtle interpretationand enforcenem ofthis Sectbn 18. This Sectbn 18 shall survive the term'natbn ofthis Note and the repayrrent ofany or all amounts borrowed thereunder. (k) This section shallnot applyto covered borrowers as dened inthe MilitaryLendingAct. 19. Electronic Transactions. THISNOTE INCLUDE YOUREXPRBS CONSENTT0HETRONIC TRANSACTIONS AND DISCIDSURES, WHICH CONSENT IS SETFORTH IN THEPARAGRAPH ENTITLED "CONSENT TO DOINGBUSINESS RETRONICALLY" AS DISCIDSE) IN PROSPER‘S TERMS OF USEON PROSPElCOM, THE TERMS AND CONDITIONS OF WHICHAREEXPRBSLY INCORPORATE)HEREIN IN THEIRENTIREIY. YOUEXPRESSLYAGREE THAT THIS NOTEMAY COMPRISEA ‘TRANSFERABLEREORD" FORALLPURPOSE UNDEQ THEHETRONIC SIGNATURES IN (HDBALAND NATIONALCOMMERCEACTAND THEUNIFORMEIKTRONIC TRANSACTIONS ACT. 20. Registration ofNote Owners. Ihave appointed Prosper FundingLIE as my authorized agent (in such capacity, the ‘Note Reg'strar") to maintain a book-entry system(tle ‘Register") ior recording the beneial owners ofinterests in this Note (the ‘Note Owners"). The person or persons identied as the Note Owners inthe Register shallbe deerred to be the owner(s) ofthis Note ior purposes ofreceivingpayrrent of principal and interest on suchNote and ior all other purposes. With respect to any transferby aNote Owner ofits beneial interest in this Note, the rigit to payrrem ofprincipaland interest onthis Note shallnot be e‘ective untilthe transfer is recorded inthe Register. 21. State Notices Caliibmia Residents Mam'ed reg'strants Imy apply Ibr a sepalate account. As requited by law, I amhereby notied at a negtive credit 1ep01t reecting onmy credit record Imybe submitted to a credit reporting agncy ifI failto llll tln terns ofmy credit obligtions. Iowa Res'ems NOTICE TO CONSUMER: 1. Do not signthis paper beibre you read it. 2. You are entitled to a copyofthis paper. 3. You rmyprepaythe unpaid balance at anytirre without penalty and rmybe entitled to receive a relnd ofunearned charges inaccordance with law. lMPORTANT: READ BEFORE SIGNING. The terns ofthis agreenmrt should be read carefully because only those terns in writing are enforceable. No other terns or oral pmm'ses not contained in this written contract rmy be legally enforced. I rmy change the terns of this agreemnt only by anotherwritten agreemnt. Kansas Res'dems NOTICE TO CONSUMER: 1. Do not signthis agreerrent beibre you read it. 2. Youare entitled to a copy ofthis agreerrent. 3. You rmyprepay tle unpaidbalance at anytirre withoutpenalty. Missouri Residents Oral or unexecuted agreemnts or connitrmnts to loanmoney, extend credit or to forbear from enforcing repaymnt of a debt including pmm'ses to extend or renewsuch debt are not enforceable. To protect n2 (borrower(s)) and you (creditor) from m'sunderstanding or disappointrmnt, any agreemnts we reach covering such Hatters are contained in this writing, which is the conplete and exclusive statenent ofthe agreemnt between us, except as we rmy later agree inwriting to modify it. Nebraska Residents A credit agreerrent Inst be inwriting to be enforceable underNebraska law. To protect you and Ire omany misunderstanding or disappointnems, any contract, prom'se, undertaking or o‘er to ibrebear repayrrem ofmoney or to rmke any otler nancial accorrmodation in connectionwith this loanofmoney or grant or extension ofcredit, or any arrendrrem of; cancellation of; waiver of; or substitution ibr any or allof tle terns or provisions ofany instrurrem or docurrem executed in connectionwith this loanofmoney or grant or extension ofcredit, Inst be in writing to be e‘ective. New Jm Residents Because certainprovis'nns ofthis Note are subject to appl'nable laws, tley rmybe vo', unenforceable or inappl'nable in sorre jurisd'ntbns. None oftlese provis'nns, however, is vo', unenforceable or inapplicable inNew Jersey. Ohio Residents The Ohi) laws aginst discrimination require that all creditors rmke credit eqtnlly available to all credit worthy custorrers, and that credit reporting agencies rmintain separate credit histories on each individualwon reqtest. The Ohi) civil rigrts corrm'ss'nn administers corrpliance with this law. UtahResiiems As required byUtah law, I amhereby notied tlnt a negtive credit report reecting onmy credit record rmybe subm'tted to a credit reporting agencyifI failto rllltle terns ofmycredit obligtions. This Note is the nal erqnession ofthe agreerrent between the parties and rmy not be contrad'ntedby evidence ofany allegd oral agreerrem. Wasmgm'nResiiems: For prirmrily non-consumer purpose loans: Oral agreerrents or oral corrmitnents to loanmoney, extend credit or to forbear om enibrcing repayrrem ofa debt are not enforceable underWashingon law. Wrsconsin Residents No provisionofa rmritalproperty agreerrent, a unilateral staterrent or a court decree adversely a‘ects tle interest ofthe creditor unless tle creditor, prbrto tle titre the credit is gamed, is nnisled a copyoftle agreerrent, staterrem or decree or has acttnlknowledge ofthe adverse provisionwhenthe obligtionto the creditor is incurred. 22. Military Lending Act. TheMilitaryLendingAct provides specic protectbns for active duty service nerrbers and their dependents in consurrer credit transactions. This Section includes intbrrmtion on tle protections provided to covered borrowers as dened in tle Military Lending Act. (a) Statenem ofMAPR Federal lawprovides important plotections to Imnbers ofthe Amed Fomes and their dependents relating to extensions ofconsurrer credit. In gnera], the cost ofconsurmr credit to a nerrber oftln Amed Forces and his or her dependent rmynot exceed anannmlpercentage rate of36 percem. This rate Inst include, as appl'nable to the credit transaction or accoum: The costs associated with credit insurance prerriurrs; fees ior ancillaryproducts sold in connectbnwiththe credit transaction; any appl'nation fee charged (otlBr than certain appl'nation fees ior specied credit transactions or accourIs); and anyparticipation fee charged (other tlnn certainparticipation fees ior a credit card accoum). (b) Section 18 ofthis Note shall not be appl'nable to, and shall not be eniorceable aginst, a covered borrower as dened inthe MilitaryLending Act (c) OralDisclosures. Please call 1-855-993-2967 to obtain oral disclosures, including the staterrent ofMAPR and tlB payrrem schedule appl'nable to your ban, required under the MilitaryLending Act. 23.By signingthis Note, Iacknowledge that I (i) have read and understand allterrrs and conditbns ofthis Note, (ii) agree to tlB terrrs set iorth herein, and (iii) acknowledge receipt ofa corrpletely lled-in copyofthis Note. Wrsconsin Residents:NOTICE TO CUSTOMEI: (a) DONOT SIGN THIS IF ITCONTAINS ANYBLANK SPACE. (b) YOUARE ENTITLEDTO AN EXACTCOPYOF ANYAGREEMENTYOU SIGN. (c) YOUHAVETI-IERIGHTATANYTIMETO PAYIN ADVANCE TI-IEUNPAIDBALANCEDUEUNDEK THIS AGREEMENTAND YOUMAYBEENTITLE) TO APARTIALREFUND OF THE FINANCECHARCE. CAUTION - IT IS IMPORTANT THAT YOU TI-IOROUGI-ILYREAD THE CONTRACTBEFORE YOU SIGN IT. Date: July 3 2017 By. Prosper Marketplace, Inc. AttorneyLin-Fact ibr'. willobyhodgon [Borrower] (Signed Eectronbally) Iast Updated:May 2017 EXHIBIT B firstname moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby laname rnwdbname hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 LoanlD AccountlnformationDate 6/30/2017 6/30/2017 7/1/2017 8/3/2017 8/4/2017 9/3/2017 9/4/2017 10/3/2017 10/4/2017 11/3/2017 11/4/2017 12/3/2017 12/4/2017 1/3/2018 1/4/2018 2/3/2018 2/4/2018 3/3/2018 3/4/2018 4/3/2018 4/4/2018 5/3/2018 5/4/2018 6/3/2018 6/4/2018 7/3/2018 7/4/2018 8/3/2018 8/4/2018 9/3/2018 9/4/2018 9/6/2018 9/6/2018 9/6/2018 9/7/2018 9/7/2018 9/7/2018 9/7/2018 9/8/2018 9/8/2018 9/8/2018 9/9/2018 9/9/2018 9/9/2018 9/10/2018 9/10/2018 BorrovverStatedlnterestRate 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 9/10/2018 9/11/2018 9/11/2018 9/11/2018 9/12/2018 9/12/2018 9/12/2018 9/13/2018 9/13/2018 9/13/2018 9/14/2018 9/14/2018 9/14/2018 9/15/2018 9/15/2018 9/15/2018 9/16/2018 9/16/2018 9/16/2018 9/17/2018 9/17/2018 9/17/2018 9/18/2018 9/18/2018 9/18/2018 9/19/2018 9/19/2018 9/19/2018 9/20/2018 9/20/2018 9/20/2018 9/21/2018 9/21/2018 9/21/2018 9/22/2018 9/22/2018 9/22/2018 9/23/2018 9/23/2018 9/23/2018 9/24/2018 9/24/2018 9/24/2018 9/25/2018 9/25/2018 9/25/2018 9/26/2018 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 9/26/2018 9/26/2018 9/27/2018 9/27/2018 9/27/2018 9/28/2018 9/28/2018 9/28/2018 9/29/2018 9/29/2018 9/29/2018 9/30/2018 9/30/2018 9/30/2018 10/1/2018 10/1/2018 10/1/2018 10/2/2018 10/2/2018 10/2/2018 10/3/2018 10/3/2018 10/3/2018 10/4/2018 10/4/2018 10/4/2018 10/5/2018 10/5/2018 10/5/2018 10/5/2018 10/6/2018 10/6/2018 10/6/2018 10/6/2018 10/7/2018 10/7/2018 10/7/2018 10/8/2018 10/8/2018 10/8/2018 10/9/2018 10/9/2018 10/9/2018 10/10/2018 10/10/2018 10/10/2018 10/11/2018 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 10/11/2018 10/11/2018 10/12/2018 10/12/2018 10/12/2018 10/13/2018 10/13/2018 10/13/2018 10/14/2018 10/14/2018 10/14/2018 10/15/2018 10/15/2018 10/15/2018 10/16/2018 10/16/2018 10/16/2018 10/17/2018 10/17/2018 10/17/2018 10/18/2018 10/18/2018 10/18/2018 10/19/2018 10/19/2018 10/19/2018 10/20/2018 10/20/2018 10/20/2018 10/21/2018 10/21/2018 10/21/2018 10/22/2018 10/22/2018 10/22/2018 10/23/2018 10/23/2018 10/23/2018 10/24/2018 10/24/2018 10/24/2018 10/25/2018 10/25/2018 10/25/2018 10/26/2018 10/26/2018 10/26/2018 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 10/27/2018 10/27/2018 10/27/2018 10/28/2018 10/28/2018 10/28/2018 10/29/2018 10/29/2018 10/29/2018 10/30/2018 10/30/2018 10/30/2018 10/31/2018 10/31/2018 10/31/2018 11/1/2018 11/1/2018 11/1/2018 11/2/2018 11/2/2018 11/2/2018 11/3/2018 11/3/2018 11/3/2018 11/4/2018 11/4/2018 11/4/2018 11/5/2018 11/5/2018 11/5/2018 11/6/2018 11/6/2018 11/6/2018 11/7/2018 11/7/2018 11/7/2018 11/8/2018 11/8/2018 11/8/2018 11/9/2018 11/9/2018 11/9/2018 11/10/2018 11/10/2018 11/10/2018 11/11/2018 11/11/2018 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 11/11/2018 11/12/2018 11/12/2018 11/12/2018 11/13/2018 11/13/2018 11/13/2018 11/14/2018 11/14/2018 11/14/2018 11/15/2018 11/15/2018 11/15/2018 11/16/2018 11/16/2018 11/16/2018 11/17/2018 11/17/2018 11/17/2018 11/18/2018 11/18/2018 11/18/2018 11/19/2018 11/19/2018 11/19/2018 11/20/2018 11/20/2018 11/20/2018 11/21/2018 11/21/2018 11/21/2018 11/22/2018 11/22/2018 11/22/2018 11/23/2018 11/23/2018 11/23/2018 11/24/2018 11/24/2018 11/24/2018 11/25/2018 11/25/2018 11/25/2018 11/26/2018 11/26/2018 11/26/2018 11/27/2018 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 11/27/2018 11/27/2018 11/28/2018 11/28/2018 11/28/2018 11/29/2018 11/29/2018 11/29/2018 11/30/2018 11/30/2018 11/30/2018 12/1/2018 12/1/2018 12/1/2018 12/2/2018 12/2/2018 12/2/2018 12/3/2018 12/3/2018 12/3/2018 12/4/2018 12/4/2018 12/4/2018 12/5/2018 12/5/2018 12/5/2018 12/6/2018 12/6/2018 12/6/2018 12/7/2018 12/7/2018 12/7/2018 12/8/2018 12/8/2018 12/8/2018 12/9/2018 12/9/2018 12/9/2018 12/10/2018 12/10/2018 12/10/2018 12/11/2018 12/11/2018 12/11/2018 12/12/2018 12/12/2018 12/12/2018 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 12/13/2018 12/13/2018 12/13/2018 12/14/2018 12/14/2018 12/14/2018 12/15/2018 12/15/2018 12/15/2018 12/16/2018 12/16/2018 12/16/2018 12/17/2018 12/17/2018 12/17/2018 12/18/2018 12/18/2018 12/18/2018 12/19/2018 12/19/2018 12/19/2018 12/20/2018 12/20/2018 12/20/2018 12/21/2018 12/21/2018 12/21/2018 12/22/2018 12/22/2018 12/22/2018 12/23/2018 12/23/2018 12/23/2018 12/24/2018 12/24/2018 12/24/2018 12/25/2018 12/25/2018 12/25/2018 12/26/2018 12/26/2018 12/26/2018 12/27/2018 12/27/2018 12/27/2018 12/28/2018 12/28/2018 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby moby hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson hodgson 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 831722 12/28/2018 12/29/2018 12/29/2018 12/29/2018 12/30/2018 12/30/2018 12/30/2018 12/31/2018 12/31/2018 12/31/2018 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/2/2019 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 0.1745 AmountPastDue O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 DPD ScheduledMonthlyPaymentAmount 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 PaymentDayOfMonthDue W W W w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 LD LD LD O O O O O O N 10 10 10 11 11 11 12 12 12 13 13 13 14 14 14 15 15 15 16 16 16 17 17 17 18 18 18 19 19 19 20 20 20 21 21 21 22 22 22 23 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 W W W w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w w 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 565.07 1118.23 1118.23 1118.23 1118.23 1118.23 1118.23 1118.23 1118.23 1118.23 1118.23 1118.23 1118.23 1118.23 1118.23 1118.23 1118.23 1118.23 1118.23 1118.23 1118.23 1118.23 1118.23 1118.23 1118.23 23 23 24 24 24 25 25 25 26 26 26 27 27 27 28 28 28 29 29 29 30 30 30 31 31 31 32 32 32 32 33 33 33 33 34 34 34 35 35 35 36 36 36 37 37 37 38 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 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9/9/2018 5:42 9/9/2018 5:43 9/9/2018 23:41 9/10/2018 6:09 9/10/2018 6:09 VeronVaHdBH |- \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \H H H H H H H H H H H H H H H H H H H H H H H NextPaymentDueDate 8/3/2017 8/3/2017 8/3/2017 8/3/2017 9/3/2017 9/3/2017 10/3/2017 10/3/2017 11/3/2017 11/3/2017 12/3/2017 12/3/2017 1/3/2018 1/3/2018 2/3/2018 2/3/2018 3/3/2018 3/3/2018 4/3/2018 4/3/2018 5/3/2018 5/3/2018 6/3/2018 6/3/2018 7/3/2018 7/3/2018 8/3/2018 8/3/2018 9/3/2018 9/3/2018 10/3/2018 10/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 NextPaymentDueAmount 538.16 0 538.16 0 538.16 0 538.16 0 538.16 0 538.16 0 538.16 0 538.16 0 538.16 0 538.16 0 538.16 0 538.16 0 538.16 0 538.16 0 538.16 0 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 BalDate 7/3/2017 7/3/2017 7/3/2017 8/3/2017 8/4/2017 9/3/2017 9/4/2017 10/3/2017 10/4/2017 11/3/2017 11/4/2017 12/3/2017 12/4/2017 1/3/2018 1/4/2018 2/3/2018 2/4/2018 3/3/2018 3/4/2018 4/3/2018 4/4/2018 5/3/2018 5/4/2018 6/3/2018 6/4/2018 7/3/2018 7/4/2018 8/3/2018 8/4/2018 9/3/2018 9/4/2018 9/6/2018 9/6/2018 9/6/2018 9/7/2018 9/7/2018 9/7/2018 9/7/2018 9/8/2018 9/8/2018 9/8/2018 9/9/2018 9/9/2018 9/9/2018 9/10/2018 9/10/2018 9/11/2018 0:09 9/11/2018 16:00 9/11/2018 16:00 9/11/2018 23:59 9/12/2018 12:52 9/12/2018 12:52 9/12/2018 23:34 9/13/2018 15:51 9/13/2018 15:51 9/14/2018 0:06 9/14/2018 10:53 9/14/2018 10:53 9/14/2018 22:29 9/15/2018 13:50 9/15/2018 13:50 9/15/2018 22:25 9/16/2018 8:52 9/16/2018 8:52 9/16/2018 23:32 9/17/2018 9:06 9/17/2018 9:06 9/17/2018 22:01 9/18/2018 4:10 9/18/2018 4:10 9/18/2018 21:56 9/19/2018 3:46 9/19/2018 3:46 9/19/2018 22:02 9/20/2018 1:54 9/20/2018 1:54 9/20/2018 22:58 9/21/2018 6:51 9/21/2018 6:51 9/21/2018 22:25 9/22/2018 6:32 9/22/2018 6:32 9/22/2018 22:13 9/23/2018 3:20 9/23/2018 3:20 9/23/2018 22:09 9/24/2018 1:44 9/24/2018 1:44 9/24/2018 22:10 9/25/2018 3:46 9/25/2018 3:46 9/25/2018 22:04 9/26/2018 3:04 |- \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \H H H H H H H H H H H H H H H H H H H H 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 9/10/2018 9/11/2018 9/11/2018 9/11/2018 9/12/2018 9/12/2018 9/12/2018 9/13/2018 9/13/2018 9/13/2018 9/14/2018 9/14/2018 9/14/2018 9/15/2018 9/15/2018 9/15/2018 9/16/2018 9/16/2018 9/16/2018 9/17/2018 9/17/2018 9/17/2018 9/18/2018 9/18/2018 9/18/2018 9/19/2018 9/19/2018 9/19/2018 9/20/2018 9/20/2018 9/20/2018 9/21/2018 9/21/2018 9/21/2018 9/22/2018 9/22/2018 9/22/2018 9/23/2018 9/23/2018 9/23/2018 9/24/2018 9/24/2018 9/24/2018 9/25/2018 9/25/2018 9/25/2018 9/26/2018 9/26/2018 3:04 9/27/2018 4:50 9/27/2018 11:20 9/27/2018 11:20 9/28/2018 4:54 9/28/2018 11:42 9/28/2018 11:42 9/29/2018 0:12 9/29/2018 5:19 9/29/2018 5:19 9/30/2018 1:07 9/30/2018 5:13 9/30/2018 5:13 10/1/2018 1:04 10/1/2018 3:11 10/1/2018 3:11 10/2/2018 0:26 10/2/2018 7:03 10/2/2018 7:03 10/2/2018 22:18 10/3/2018 4:02 10/3/2018 4:02 10/3/2018 21:53 10/4/2018 2:50 10/4/2018 2:50 10/4/2018 22:28 10/5/2018 4:20 10/5/2018 4:20 10/5/2018 16:35 10/5/2018 22:17 10/6/2018 7:18 10/6/2018 7:18 10/6/2018 7:18 10/6/2018 22:09 10/7/2018 4:05 10/7/2018 4:05 10/7/2018 22:13 10/8/2018 3:04 10/8/2018 3:04 10/8/2018 22:16 10/9/2018 7:07 10/9/2018 7:07 10/9/2018 22:04 10/10/2018 7:37 10/10/2018 7:37 10/10/2018 22:14 10/11/2018 3:57 |- \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \H H H H H H H H H H H H H H H H H H H H 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 9/26/2018 9/26/2018 9/27/2018 9/27/2018 9/27/2018 9/28/2018 9/28/2018 9/28/2018 9/29/2018 9/29/2018 9/29/2018 9/30/2018 9/30/2018 9/30/2018 10/1/2018 10/1/2018 10/1/2018 10/2/2018 10/2/2018 10/2/2018 10/3/2018 10/3/2018 10/3/2018 10/4/2018 10/4/2018 10/4/2018 10/5/2018 10/5/2018 10/5/2018 10/5/2018 10/6/2018 10/6/2018 10/6/2018 10/6/2018 10/7/2018 10/7/2018 10/7/2018 10/8/2018 10/8/2018 10/8/2018 10/9/2018 10/9/2018 10/9/2018 10/10/2018 10/10/2018 10/10/2018 10/11/2018 10/11/2018 3:57 10/11/2018 22:31 10/12/2018 7:33 10/12/2018 7:33 10/12/2018 22:03 10/13/2018 5:15 10/13/2018 5:15 10/13/2018 22:09 10/14/20181347 10/14/20181347 10/14/2018 22:25 10/15/2018 2:41 10/15/2018 2:41 10/15/2018 22:38 10/16/2018 7:44 10/16/2018 7:44 10/16/2018 22:43 10/17/2018 5:48 10/17/2018 5:48 10/17/2018 23:04 10/18/2018 8:24 10/18/2018 8:24 10/18/2018 23:09 10/19/2018 5:18 10/19/2018 5:18 10/19/2018 22:21 10/20/2018 4:34 10/20/2018 4:35 10/20/2018 23:23 10/21/2018 3:12 10/21/2018 3:12 10/21/2018 22:54 10/22/2018 8:20 10/22/2018 8:20 10/22/2018 22:03 10/23/2018 4:29 10/23/2018 4:29 10/23/2018 22:18 10/24/2018 7:40 10/24/2018 7:40 10/24/2018 22:43 10/25/2018 6:12 10/25/2018 6:12 10/25/2018 22:37 10/26/2018 3:02 10/26/2018 3:02 10/26/2018 22:21 |- \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \H H H H H H H H H H H H H H H H H H H H 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 10/11/2018 10/11/2018 10/12/2018 10/12/2018 10/12/2018 10/13/2018 10/13/2018 10/13/2018 10/14/2018 10/14/2018 10/14/2018 10/15/2018 10/15/2018 10/15/2018 10/16/2018 10/16/2018 10/16/2018 10/17/2018 10/17/2018 10/17/2018 10/18/2018 10/18/2018 10/18/2018 10/19/2018 10/19/2018 10/19/2018 10/20/2018 10/20/2018 10/20/2018 10/21/2018 10/21/2018 10/21/2018 10/22/2018 10/22/2018 10/22/2018 10/23/2018 10/23/2018 10/23/2018 10/24/2018 10/24/2018 10/24/2018 10/25/2018 10/25/2018 10/25/2018 10/26/2018 10/26/2018 10/26/2018 10/27/2018 6:12 10/27/2018 6:13 10/27/2018 22:35 10/28/2018 5:33 10/28/2018 5:33 10/28/2018 21:53 10/29/20181356 10/29/20181356 10/30/2018 7:05 10/30/2018 9:27 10/30/2018 9:27 10/30/2018 22:15 10/31/2018 10:21 10/31/2018 10:21 10/31/2018 21:29 10/31/201823:13 10/31/201823:13 11/1/2018 21:44 11/2/2018 3:09 11/2/2018 3:09 11/2/2018 21:53 11/2/2018 23:46 11/2/2018 23:46 11/3/2018 21:19 11/4/2018 0:38 11/4/2018 0:38 11/4/2018 22:21 11/5/2018 2:21 11/5/2018 2:21 11/5/2018 22:11 11/6/2018 3:29 11/6/2018 3:29 11/6/2018 21:59 11/7/2018 3:14 11/7/2018 3:14 11/7/2018 21:59 11/8/2018 1:45 11/8/2018 1:45 11/8/2018 22:24 11/9/2018 2:42 11/9/2018 2:42 11/9/2018 21:51 11/10/20181305 11/10/20181305 11/10/2018 22:26 11/11/20181347 11/11/20181347 |- \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \H H H H H H H H H H H H H H H H H H H H 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 10/27/2018 10/27/2018 10/27/2018 10/28/2018 10/28/2018 10/28/2018 10/29/2018 10/29/2018 10/29/2018 10/30/2018 10/30/2018 10/30/2018 10/31/2018 10/31/2018 10/31/2018 11/1/2018 11/1/2018 11/1/2018 11/2/2018 11/2/2018 11/2/2018 11/3/2018 11/3/2018 11/3/2018 11/4/2018 11/4/2018 11/4/2018 11/5/2018 11/5/2018 11/5/2018 11/6/2018 11/6/2018 11/6/2018 11/7/2018 11/7/2018 11/7/2018 11/8/2018 11/8/2018 11/8/2018 11/9/2018 11/9/2018 11/9/2018 11/10/2018 11/10/2018 11/10/2018 11/11/2018 11/11/2018 11/11/2018 21:49 11/12/2018 0:01 11/12/2018 0:01 11/12/201823:18 11/13/2018 2:23 11/13/2018 2:23 11/13/2018 21:49 11/14/20181301 11/14/20181301 11/14/2018 22:29 11/15/2018 3:08 11/15/2018 3:08 11/15/2018 22:09 11/16/2018 0:57 11/16/2018 0:57 11/16/2018 22:00 11/17/2018 2:28 11/17/2018 2:28 11/17/2018 22:01 11/18/2018 2:26 11/18/2018 2:27 11/18/2018 21:52 11/19/20181312 11/19/20181312 11/19/2018 21:48 11/20/20181356 11/20/20181356 11/20/2018 21:52 11/21/20181356 11/21/20181356 11/21/2018 21:48 11/22/2018 3:21 11/22/2018 3:21 11/22/2018 21:34 11/23/20181327 11/23/20181327 11/23/2018 21:34 11/24/2018 2:53 11/24/2018 2:53 11/24/2018 21:32 11/25/2018 6:55 11/25/2018 6:55 11/25/2018 21:55 11/26/2018 3:59 11/26/2018 3:59 11/26/2018 22:01 11/27/2018 7:23 |- \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \H H H H H H H H H H H H H H H H H H H H 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 11/11/2018 11/12/2018 11/12/2018 11/12/2018 11/13/2018 11/13/2018 11/13/2018 11/14/2018 11/14/2018 11/14/2018 11/15/2018 11/15/2018 11/15/2018 11/16/2018 11/16/2018 11/16/2018 11/17/2018 11/17/2018 11/17/2018 11/18/2018 11/18/2018 11/18/2018 11/19/2018 11/19/2018 11/19/2018 11/20/2018 11/20/2018 11/20/2018 11/21/2018 11/21/2018 11/21/2018 11/22/2018 11/22/2018 11/22/2018 11/23/2018 11/23/2018 11/23/2018 11/24/2018 11/24/2018 11/24/2018 11/25/2018 11/25/2018 11/25/2018 11/26/2018 11/26/2018 11/26/2018 11/27/2018 11/27/2018 7:23 11/27/2018 22:05 11/28/2018 4:44 11/28/2018 4:44 11/28/2018 21:45 11/29/2018 6:27 11/29/2018 6:27 11/30/2018 0:19 11/30/2018 17:47 11/30/2018 17:47 11/30/201822:12 12/1/2018 6:20 12/1/2018 6:20 12/1/2018 21:51 12/2/20181348 12/2/20181348 12/2/2018 22:02 12/3/2018 0:36 12/3/2018 0:36 12/3/2018 21:54 12/4/2018 2:00 12/4/2018 2:00 12/4/2018 22:33 12/5/2018 2:15 12/5/2018 2:15 12/5/2018 22:55 12/6/2018 5:15 12/6/2018 5:15 12/6/2018 22:25 12/7/2018 1:45 12/7/2018 1:45 12/7/2018 22:15 12/8/2018 3:31 12/8/2018 3:31 12/8/2018 22:06 12/9/20181336 12/9/20181336 12/9/2018 22:21 12/10/2018 5:08 12/10/2018 5:08 12/10/201822:14 12/11/2018 0:50 12/11/2018 0:50 12/11/201822:10 12/12/2018 3:48 12/12/2018 3:48 12/12/2018 22:39 |- \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \H H H H H H H H H H H H H H H H H H H H 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 11/27/2018 11/27/2018 11/28/2018 11/28/2018 11/28/2018 11/29/2018 11/29/2018 11/29/2018 11/30/2018 11/30/2018 11/30/2018 12/1/2018 12/1/2018 12/1/2018 12/2/2018 12/2/2018 12/2/2018 12/3/2018 12/3/2018 12/3/2018 12/4/2018 12/4/2018 12/4/2018 12/5/2018 12/5/2018 12/5/2018 12/6/2018 12/6/2018 12/6/2018 12/7/2018 12/7/2018 12/7/2018 12/8/2018 12/8/2018 12/8/2018 12/9/2018 12/9/2018 12/9/2018 12/10/2018 12/10/2018 12/10/2018 12/11/2018 12/11/2018 12/11/2018 12/12/2018 12/12/2018 12/12/2018 12/13/2018 4:05 12/13/2018 4:05 12/13/2018 22:51 12/14/2018 2:12 12/14/2018 2:12 12/14/201822:15 12/15/20181320 12/15/20181320 12/15/2018 21:58 12/16/20181317 12/16/20181317 12/16/2018 22:26 12/17/2018 7:22 12/17/2018 7:22 12/17/2018 21:46 12/18/2018 2:35 12/18/2018 2:35 12/18/2018 21:58 12/19/2018 2:58 12/19/2018 2:58 12/19/201822:12 12/20/2018 4:10 12/20/2018 4:10 12/20/2018 22:42 12/21/2018 8:06 12/21/2018 8:06 12/21/2018 21:58 12/22/2018 3:28 12/22/2018 3:28 12/22/2018 21:44 12/23/2018 5:28 12/23/2018 5:28 12/23/2018 21:34 12/24/2018 3:10 12/24/2018 3:10 12/24/2018 21:21 12/25/2018 0:43 12/25/2018 0:43 12/25/2018 21:45 12/26/2018 3:55 12/26/2018 3:55 12/26/2018 22:09 12/27/2018 2:04 12/27/2018 2:04 12/27/2018 22:23 12/28/2018 5:20 12/28/2018 5:20 |- \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \| - \H H H H H H H H H H H H H H H H H H H H 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 12/13/2018 12/13/2018 12/13/2018 12/14/2018 12/14/2018 12/14/2018 12/15/2018 12/15/2018 12/15/2018 12/16/2018 12/16/2018 12/16/2018 12/17/2018 12/17/2018 12/17/2018 12/18/2018 12/18/2018 12/18/2018 12/19/2018 12/19/2018 12/19/2018 12/20/2018 12/20/2018 12/20/2018 12/21/2018 12/21/2018 12/21/2018 12/22/2018 12/22/2018 12/22/2018 12/23/2018 12/23/2018 12/23/2018 12/24/2018 12/24/2018 12/24/2018 12/25/2018 12/25/2018 12/25/2018 12/26/2018 12/26/2018 12/26/2018 12/27/2018 12/27/2018 12/27/2018 12/28/2018 12/28/2018 12/28/2018 21:35 12/29/20181346 12/29/20181346 12/29/2018 21:58 12/30/20181357 12/30/20181357 12/30/2018 21:48 12/31/2018 3:22 12/31/2018 3:22 12/31/2018 21:25 1/1/2019 3:17 1/1/2019 3:17 1/1/2019 19:02 1/1/2019 19:05 1/1/2019 21:35 1/2/2019 0:45 H H H H H H H H H H H H H H H H 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 9/3/2018 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 538.16 458.95 458.95 12/28/2018 12/29/2018 12/29/2018 12/29/2018 12/30/2018 12/30/2018 12/30/2018 12/31/2018 12/31/2018 12/31/2018 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/2/2019 PrinBal IntBal LateFeeBal NSFFeeBal IntBalDailyAccrual ServicingParentTransactionlD 15000 0 0 0 0 15000 0 0 0 7.171233 15000 0 0 0 7.171233 14684.15 0 0 0 7.020231 14684.15 7.02 0 0 7.020231 14363.62 0 0 0 6.866991 14363.62 6.86 0 0 6.866991 14031.47 0 0 0 6.708196 14031.47 6.7 0 0 6.708196 13701.26 0 0 0 6.550328 13701.26 6.55 0 0 6.550328 13359.61 0 0 0 6.386992 13359.61 6.39 0 0 6.386992 13019.45 0 0 0 6.224367 13019.45 6.22 0 0 6.224367 12674.24 0 0 0 6.059328 12674.24 6.06 0 0 6.059328 12305.74 0 0 0 5.883155 12305.74 5.89 0 0 5.883155 11949.96 0 0 0 5.713063 11949.96 5.71 0 0 5.713063 11583.19 0 0 0 5.537717 11583.19 5.54 0 0 5.537717 11216.7 0 0 0 5.362505 11216.7 5.36 0 0 5.362505 10839.42 0 0 0 5.182134 10839.42 5.18 0 0 5.182134 10461.9 0 0 0 5.001648 10461.9 5 0 0 5.001648 10078.79 0 0 0 4.81849 10078.79 4.82 0 0 4.81849 10461.9 170.06 0 0 5.001648 10461.9 170.06 0 15 5.001648 138600146 10461.9 170.06 0 15 5.001648 10461.9 175.06 0 15 5.001648 10461.9 175.06 0 15 5.001648 10461.9 175.06 0 15 5.001648 10461.9 175.06 0 15 5.001648 10461.9 180.06 0 15 5.001648 10461.9 180.06 0 15 5.001648 10461.9 180.06 0 15 5.001648 10461.9 185.06 0 15 5.001648 10461.9 185.06 0 15 5.001648 10461.9 185.06 0 15 5.001648 10461.9 190.07 0 15 5.001648 10461.9 190.07 0 15 5.001648 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 190.07 195.07 195.07 195.07 200.07 200.07 200.07 205.07 205.07 205.07 210.07 210.07 210.07 215.07 215.07 215.07 220.08 220.08 220.08 225.08 225.08 225.08 230.08 230.08 230.08 235.08 235.08 235.08 240.08 240.08 240.08 245.08 245.08 245.08 250.08 250.08 250.08 255.09 255.09 255.09 260.09 260.09 260.09 265.09 265.09 265.09 270.09 O O O O O O O O O O O O O O O O O O O O O O O O O N .05 LO H 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 270.09 270.09 275.09 275.09 275.09 280.09 280.09 280.09 285.1 285.1 285.1 290.1 290.1 290.1 295.1 295.1 295.1 300.1 300.1 300.1 305.1 305.1 305.1 310.1 310.1 310.1 315.11 315.11 315.11 315.11 320.11 320.11 320.11 320.11 325.11 325.11 325.11 330.11 330.11 330.11 335.11 335.11 335.11 340.11 340.11 340.11 345.12 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 345.12 345.12 350.12 350.12 350.12 355.12 355.12 355.12 360.12 360.12 360.12 365.12 365.12 365.12 370.12 370.12 370.12 375.13 375.13 375.13 380.13 380.13 380.13 385.13 385.13 385.13 390.13 390.13 390.13 395.13 395.13 395.13 400.13 400.13 400.13 405.14 405.14 405.14 410.14 410.14 410.14 415.14 415.14 415.14 420.14 420.14 420.14 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 2691 5382 5382 5382 5382 5382 5382 5382 5382 5382 5382 5382 5382 5382 5382 5382 5382 5382 5382 5382 5382 5382 5382 5382 5382 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 425.14 425.14 425.14 430.14 430.14 430.14 435.15 435.15 435.15 440.15 440.15 440.15 445.15 445.15 445.15 450.15 450.15 450.15 455.15 455.15 455.15 460.15 460.15 460.15 465.16 465.16 465.16 470.16 470.16 470.16 475.16 475.16 475.16 480.16 480.16 480.16 485.16 485.16 485.16 490.16 490.16 490.16 495.17 495.17 495.17 500.17 500.17 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 500.17 505.17 505.17 505.17 510.17 510.17 510.17 515.17 515.17 515.17 520.17 520.17 520.17 525.18 525.18 525.18 530.18 530.18 530.18 535.18 535.18 535.18 540.18 540.18 540.18 545.18 545.18 545.18 550.18 550.18 550.18 555.19 555.19 555.19 560.19 560.19 560.19 565.19 565.19 565.19 570.19 570.19 570.19 575.19 575.19 575.19 580.19 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 53.82 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 580.19 580.19 585.2 585.2 585.2 590.2 590.2 590.2 595.2 595.2 595.2 600.2 600.2 600.2 605.2 605.2 605.2 610.2 610.2 610.2 615.21 615.21 615.21 620.21 620.21 620.21 625.21 625.21 625.21 630.21 630.21 630.21 635.21 635.21 635.21 640.21 640.21 640.21 645.22 645.22 645.22 650.22 650.22 650.22 655.22 655.22 655.22 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 660.22 660.22 660.22 665.22 665.22 665.22 670.22 670.22 670.22 675.23 675.23 675.23 680.23 680.23 680.23 685.23 685.23 685.23 690.23 690.23 690.23 695.23 695.23 695.23 700.23 700.23 700.23 705.23 705.23 705.23 710.24 710.24 710.24 715.24 715.24 715.24 720.24 720.24 720.24 725.24 725.24 725.24 730.24 730.24 730.24 735.24 735.24 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 80.73 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 10461.9 735.24 740.25 740.25 740.25 745.25 745.25 745.25 750.25 750.25 750.25 755.25 755.25 755.25 760.25 760.25 760.25 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 107.64 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 5.001648 SettlementStatuslD LoanExtensionStatuslD LoanExtensionTerm charge_off_Date 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 0 0 1/1/2019 O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 1/1/2019 OOOOOOOOOOOOOOOO OOOOOOOOOOOOOOOO 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 KOOONQUILWNu-t NNNNNNNNNHHh-b-Hb-b-h-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO Electrunically FILE Christopher D Mandarich SB 220693 Efiuw mmmwmcmmmm Ajay Sood 33325294 4/26/2021 Hayk Stambultsyan $3320973 Bv-ifllflfihiagflflfl-Dl Amber Swearingen-Ojuri SB324653 1' MANDARICH LAW GROUP, LLP P.O. Box 109032 Chicago, IL 60610 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintifl: VELOCITYINVESTMENTS, LLC SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED 21 -CLJ-02398 VELOCITY INVESTMENTS, LLC, Case N0. Plaintiff, VS FILE BY FAX COMPLAINT FOR: 1. BREACH OF CONTRACT RAOUL REDAJA, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant DEMAND: $19,161.75 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1. Plaintiff is and at all times herein mentioned, VELOCITY INVESTMENTS, LLC, and successor in interest to original creditor, WebBank. 2. Plaintiff is the only entity that purchased the debt after charge-off and its name and address is as follows: VELOCITY INVESTMENTS, LLC; 1800 Route 34N Suite 404A , Wall NJ 077 1 9. 3. Plaintiff is a debt buyer, and is the sole owner of the debt at issue. 4. The charge-off creditor at the time of charge-off is PMIT2018-1_GRANTOR, 221 MAIN STREET THIRD FLOOR, SAN FRANCISCO, CA 94105, and the account number associated with this debt is XX6763. 5. Plaintiff is informed and believes that Defendant are individuals who currently reside within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the proper Court for trial of this action. Exhibit "31 " COMPLAINT-l 0f 5 KOOONONUILWNr-t NNNNNNNNNHh-h-b-Hb-h-th-HH OOVQKJIJ>UJN~OKOOOQONM$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 RAOUL REDAJA , 260 LAKE MERCED BLVD 22, 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, 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 XX6763 (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 July 21, 2018. 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 0n the Account. 15. The debt balance at charge-off was $19,161.75, 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 9, 1 6 1 .75 . 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 9, 1 6 1 .75. 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 $19, 1 61.75 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 0f 5 KOOONONUI-bUJNr-t NNNNNNNNNHh-kb-Ab-Ab-b-h-h-Hb-t OONQMJ>WN~O©OONONM$UJNHO WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $19,161.75, 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: 04/16/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-5 0f 5 Qflx/M X]Christopher D. Mandarich, Esq. Attorneysfor Plaintzfi” EXHIBIT A Borrower Promissory Note PR0S PE R Promissory Note Loan ID: .6763 Borrower Address: RAOUL ARCE REDAJA, 260 LAKE MERCED BLVD APT 22 Daly City, CA 9401 5. 1. Promise to Pay. In return for a loan I have received, Ipromise to pay WebBank ("you") the principal sum 0f eighteen thousand dollars ($1 8,000.00), together With interest thereon commencing on the date 0f origination at the rate of twenty-five point nine nine percent (25.99%) per annum simple interest. I understand that references in this Promissory Note ("Note") t0 you shall also include any person t0 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 59 monthly installments of $538.82 each, consisting 0f principal and interest, commencing 0n the 21st day 0f March 2018, and continuing until the final payment of $494.32 on February 21 2023, Which is the maturity date of this Note. Because 0f the daily accrual 0f interest 0n my loan and the effect 0f rounding, my final payment may be more or less than my regular payment. My final payment shall consist of the then remaining principal, unpaid accrued interest and other charges due under this Note. A11 payments will be applied first t0 any unpaid fees then due, whether they are incurred as a result of failed payments, as provided in Paragraph 11, payment processing fees assessed, 0r any late payments, as provided in Paragraph 4; then to any interest then due; and then to principal. However, if I am delinquent, the application ofmy payments may change. No unpaid interest, fees or charges will be added to principal. I further acknowledge that, if I 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 final payment amount. 3. Interest. Interest will be charged on unpaid principal until the fiJll amount of principal has been paid. Interest under this Note will accrue daily, on the basis of a 365-day year. The interest rate I 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, Iwill pay you a late charge of the greater of $15 0r 5.00% 0f the unpaid portion of the monthly payment. I will pay this late charge when it is assessed but only once 0n each late payment. 5. Claims and Defenses; Waiver of Defenses; Exception t0 Waiver. Except as otherwise provided in this Note, you are not responsible 0r liable to me for the quality, safety, legality, or any other aspect of any property or services purchased With the proceeds ofmy loan. If I have a dispute with any person from whom I have purchased such property 0r services, I agree t0 settle the dispute directly With that person. If and only if the proceeds 0fmy loan Will be applied in whole 0r part t0 purchase property or services from a person or entity that has entered into a contractual relationship with you or Prosper related to financing of such property or services, the following 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 OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 6. Certification. I 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 defined 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 I 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 1-866-615-6319. I will make all checks payable to Prosper Funding LLC and send them to Prosper Marketplace, Inc., P.O. Box 396081, San Francisco, CA 94139-6081 in a manner so as to ensure that it is received with sufficient time to process prior to my scheduled payment due date. To ensure efficient 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 I owe are paid when due, even if not debited from my account. If I 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) business days prior to any such closure, change or inaccessibility of my account, and authorize you to withdraw my payments, or I will provide a check, from another account that I designate. With regard to payments made by automatic withdrawals from my account, I 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. I 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 I fail to make any payment when due in the manner required by Paragraph 7, I will be delinquent. If I (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 will use reasonable efforts to provide prior notice of acceleration. 9. Prepayments. I may prepay this Note in full or in part at any time without penalty. I 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"). I hereby waive presentment, notice of dishonor and protest. Even if, at a time when I 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 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, ifyou waive any right under this Note on one occasion, that waiver will not operate as a waiver as to any other occasion. 11. Insufficient Funds Charge. If I attempt t0 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 0r inaccessibility ofmy account without my having notified you as provided in Paragraph 7, or (iii) for any other reason (other than an error by you), IWill pay you an additional fee 0f $15.00 for each returned 0r failed automated withdrawal 0r other item, unless prohibited by applicable law. I Will pay this fee when it is assessed. 12. Attorneys' Fees. To the extent permitted by law, I am liable to you for your legal costs if you refer collection 0fmy loan t0 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 t0 my loan and sets maximum loan charges is finally interpreted so that the interest 0r 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 t0 the permitted limit; and (b) any sums already collected from me that exceeded permitted limits will be refimded t0 me. You may choose t0 make this refimd by reducing the principal I owe under this Note or by making a direct payment to me. 14. Assignment. I may not assign any ofmy 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 t0 all 0fmy heirs and permitted assigns. Your rights under this Note apply t0 each 0f your successors and assigns. 15. Notices. A11 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 0r by facsimile, email or other electronic transmission, 0r (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 t0 me may be addressed to my registered email address 0r to my address set forth above unless I 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@prosper.com 0r c/o Prosper Marketplace, Inc., 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 0f the State 0f Utah. 17. Miscellaneous. No provision 0f 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 0f this Note. 18. Arbitration. RESOLUTION OF DISPUTES: 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 (i) BELOW. (a) In this Resolution of Disputes provision: (i) "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 (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 I 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 . If I file a claim, Iplace on an individual basis; class arbitrations and class actions are not permitted 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). I 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, Inc., 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, I will not be required to reimburse you for any fees you have previously paid to the administrator or for which you are responsible. If I 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 will 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 I 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 I agree otherwise in writing, the arbitrator may not consolidate more than one person's claims. The arbitrator shall have no power t0 arbitrate any Claims 0n a class action basis 0r Claims brought in a purported representative capacity 0n behalf 0f the general public, other borrowers, 0r 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 0f this Section 18 is deemed invalid 0r unenforceable for any reason, it shall not invalidate the remaining portions 0f this section. However, if paragraph (f) 0f this Section 18 is deemed invalid 0r 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 I AGREE THAT, BY ENTERING INTO THIS NOTE, THE PARTIES ARE EACH WAIVING THE RIGHT T0 A TRIAL BY JURY 0R T0 PARTICIPATE 1N A CLASS ACTION. YOU AND I ACKNOWLEDGE THAT ARBITRATION WILL LIMIT OUR LEGAL RIGHTS, INCLUDING THE RIGHT T0 PARTICIPATE IN A CLASS ACTION, THE RIGHT T0 A JURY TRIAL, THE RIGHT T0 CONDUCT FULL DISCOVERY, AND THE RIGHT T0 APPEAL (EXCEPT As PERMITTED 1N PARAGRAPH (e) 0R UNDER THE FEDERAL ARBITRATION ACT) (i) I understand that I may rej ect the provisions of this Section 18, in which case neither you nor I will have the right to elect arbitration. Rejection 0f this Section 18 Will not affect the remaining parts of this Note. T0 rej ect this Section 18, I must send you written notice ofmy rejection within 3O days after the date that this Note was made. I must include my name, address, and account number. The notice of rejection must be mailed to WebBank, c/o Prosper Marketplace, Inc., 221 Main Street, San Francisco, CA 94105, Attention: Legal Department. This is the only way that I can rej ect this Section 18. (j) You and I acknowledge and agree that the arbitration agreement set forth in this Section 18 is made pursuant t0 a transaction involving interstate commerce, and thus the Federal Arbitration Act shall govern the interpretation and enforcement 0f this Section 18. This Section 18 shall survive the termination 0f this Note and the repayment of any 0r all amounts borrowed thereunder. (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 0f Note Owners. I 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 0f interests in this Note (the "Note Owners"). The person 0r persons identified as the Note Owners in the Register shall be deemed to be the owner(s) 0f this Note for purposes of receiving payment 0f principal and interest 0n 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 t0 payment of principal and interest 0n 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, I am hereby notified that a negative credit report reflecting on my credit record may be submitted to a credit reporting agency if I fail to fulfill the terms ofmy 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 ofunearned charges in accordance with law. IMPORTANT: READ BEFORE SIGNING. The terms 0f this agreement should be read carefully because only those terms in writing are enforceable. N0 other terms 0r oral promises not contained in this written contract may be legally enforced. I may change the terms 0f this agreement only by another written agreement. Kansas Residents NOTICE TO CONSUMER: 1. D0 not sign this agreement before you read it. 2. You are entitled t0 a copy 0f this agreement. 3. You may prepay the unpaid balance at any time without penalty. Missouri Residents Oral or unexecuted agreements 0r commitments t0 loan money, extend credit 0r t0 forbear from enforcing repayment of a debt including promises t0 extend 0r renew such debt are not enforceable. T0 protect me (b0rr0wer(s)) and you (creditor) from misunderstanding 01' disappointment, any agreements we reach covering such matters are contained in this writing, which is the complete and exclusive statement 0f the agreement between us, except as we may later agree in writing t0 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 0r disappointments, any contract, promise, undertaking, or offer to forebear repayment 0fmoney 0r t0 make any other financial accommodation in connection With this loan 0f money 0r grant 0r extension of credit, or any amendment 0f, cancellation of, waiver of, 0r substitution for any or all 0f the terms 0r provisions 0f any instrument 0r document executed in connection with this loan of money 0r grant 0r extension 0f credit, must be in writing t0 be effective. New Jersey Residents Because certain provisions 0f this Note are subj ect t0 applicable laws, they may be void, unenforceable 0r inapplicable in some jurisdictions. None 0f these provisions, however, is void, unenforceable 0r 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 0n each individual upon request. The Ohio civil rights commission administers compliance with this law. Utah Residents As required by Utah law, I am hereby notified that a negative credit report reflecting on my credit record may be submitted to a credit reporting agency if I fail to fulfill the terms ofmy credit obligations. This Note is the final expression of the agreement between the parties and may not be contradicted by evidence 0f any alleged oral agreement. Washington Residents: For primarily non-consumer purpose loans: Oral agreements 0r oral commitments t0 loan money, extend credit or t0 forbear from enforcing repayment of a debt are not enforceable under Washington law. Wisconsin Residents N0 provision 0f a marital property agreement, a unilateral statement 0r 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 0r decree or has actual knowledge 0f the adverse provision when the obligation t0 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 0n the protections provided t0 covered borrowers as defined in the Military Lending Act. (a) Statement 0fMAPR. Federal law provides important protections t0 members 0f the Armed Forces and their dependents relating t0 extensions of consumer credit. In general, the cost of consumer credit to a member 0f the Armed Forces and his or her dependent may not exceed an annual percentage rate 0f 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 t0, 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 t0 obtain oral disclosures, including the statement 0fMAPR and the payment schedule applicable to your loan, required under the Military Lending Act. 23.By signing this Note, I acknowledge that I (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 0f 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: February 21 2018 By: Prosper Marketplace, Inc. Attorney-in-Fact for: RAOUL ARCE REDAJA [Borrower] (Signed Electronically) Last Updated: August 20 1 7 Copyright © 2005-2020 Prosper Marketplace, Inc. A11 rights reserved. EXHIBIT B firstname lastname middlena LoanlD Accountl Borrower AmountP DPD Schedule Payment Expected CreatedD Modified Modified VersionSt VersionE Versionv NextPay NextPay BalDate PrinBal lntBal LateFeeB NSFFeeB lntBalDail Servicing Settleme LoanExte LoanExte charge_o me nformatio Statedlnt astDue dMontth DayOfMo MaturityD ate Date User artDate ndDate alidBit mentDue mentDue al al yAccrual ParentTr ntStatusl nsionStat nsionTer ff_Date nDate erestRate Payment nthDue ate Date Amount ansaction D ule m Amount RAOUL REDAJA ARCE .6763 2018-02- 0.2599 0 0 538.82 21 2023-02- 2018-02- 2018-02- 2018-02- 2018-02- 1 2018-03- 538.82 2018-02- 18000 O O 0 0 2018-12- 20 21 20 20 20 20 21 21 19 14:01:57 14:06:07 14:01:57 14:06:07 RAOUL REDAJA ARCE .6763 2018-02- 0.2599 O 0 538.82 21 2023-02- 2018-02- 2018-02- 2018-02- 2018-02- 1 2018-03- 0 2018-02- 18000 O O 0 12.81698 0 O 2018-12- 20 21 20 21 20 21 21 21 6 19 14:06:07 00:30:44 14:06:07 00:30:44 RAOUL REDAJA ARCE .6763 2018-02- 0.2599 O 0 538.82 21 2023-02- 2018-02- 2018-03- 2018-02- 2018-03- 1 2018-03- 538.82 2018-02- 18000 O O 0 12.81698 O O 2018-12- 21 21 21 21 6 19 00:30:44 21:00:37 00:30:44 21:00:37 RAOUL REDAJA ARCE .6763 2018-03- 0.2599 0 0 538.82 21 2023-02- 2018-03- 2018-03- 2018-03- 2018-03- 1 2018-03- 0 2018-03- 17820.06 O O 0 12.68885 0 O 2018-12- 21 21 20 22 20 22 21 21 9 19 21:00:38 00:35:17 21:00:37 00:35:17 RAOUL REDAJA ARCE .6763 2018-03- 0.2599 O 0 538.82 21 2023-02- 2018-03- 2018-04- 2018-03- 2018-04- 1 2018-04- 538.82 2018-03- 17820.06 12.68 O 0 12.68885 0 O 2018-12- 22 21 21 22 9 19 00:35:17 21:24:39 00:35:17 21:24:39 RAOUL REDAJA ARCE .6763 2018-04- 0.2599 0 0 538.82 21 2023-02- 2018-04- 2018-04- 2018-04- 2018-04- 1 2018-04- 0 2018-04- 17674.59 O O 0 12.58527 O O 2018-12- 21 21 20 21 20 21 21 21 7 19 21 24:39 23:00:38 21 24:39 23:00:38 RAOUL REDAJA ARCE .6763 2018-04- 0.2599 O 0 538.82 21 2023-02- 2018-04- 2018-05- 2018-04- 2018-05- 1 2018-05- 538.82 2018-04- 17674.59 12.59 O 0 12.58527 O O 2018-12- 22 21 21 20 21 20 21 22 7 19 23:00:38 21:02:22 23:00:38 21:02:22 RAOUL REDAJA ARCE .6763 2018-05- 0.2599 0 0 538.82 21 2023-02- 2018-05- 2018-05- 2018-05- 2018-05- 1 2018-05- 0 2018-05- 17513.33 O 0 0 12.47045 O O 2018-12- 21 21 20 21 20 21 21 21 1 19 21 :02:22 23:30:52 21 :02:22 23:30:52 RAOUL REDAJA ARCE .6763 2018-05- 0.2599 O 0 538.82 21 2023-02- 2018-05- 2018-06- 2018-05- 2018-06- 1 2018-06- 538.82 2018-05- 17513.33 12.47 0 0 12.47045 O O 2018-12- 22 21 21 22 1 19 23:30:52 21:16:52 23:30:52 21:16:52 RAOUL REDAJA ARCE .6763 2018-06- 0.2599 0 0 538.82 21 2023-02- 2018-06- 2018-06- 2018-06- 2018-06- 1 2018-06- 0 2018-06- 17361.09 O O 0 12.36204 O O 2018-12- 21 21 20 22 20 22 21 21 7 19 21:16:52 02:34:28 21:16:52 02:34:28 RAOUL REDAJA ARCE .6763 2018-06- 0.2599 O 0 538.82 21 2023-02- 2018-06- 2018-07- 2018-06- 2018-07- 1 2018-07- 538.82 2018-06- 17361.09 12.36 O 0 12.36204 0 O 2018-12- 22 21 22 20 22 20 21 22 7 19 02:34:29 20:42:58 02:34:28 20:42:58 RAOUL REDAJA ARCE .6763 2018-07- 0.2599 O 0 538.82 21 2023-02- 2018-07- 2018-07- 2018-07- 2018-07- 1 2018-07- 0 2018-07- 17193.13 O O 0 12.24245 O O 2018-12- 21 21 21 21 1 19 20:42:58 00:09:38 20:42:58 00:09:38 RAOUL REDAJA ARCE .6763 2018-07- 0.2599 0 0 538.82 21 2023-02- 2018-07- 2018-08- 2018-07- 2018-08- 1 2018-08- 538.82 2018-07- 17193.13 12.25 O 0 12.24245 0 O 2018-12- 22 21 22 20 22 20 21 22 1 19 00:09:38 06:37:02 00:09:38 06:37:02 RAOUL REDAJA ARCE .6763 2018-08- 0.2599 O 0 538.82 21 2023-02- 2018-08- 2018-08- 2018-08- 2018-08- 1 2018-08- 538.82 2018-08- 17193.13 367.28 O 0 12.24245 O O 2018-12- 20 21 21 20 1 19 06:37:02 02:55:10 06:37:02 02:55:10 RAOUL REDAJA ARCE .6763 2018-08- 0.2599 538.82 1 538.82 21 2023-02- 2018-08- 2018-08- 2018-08- 2018-08- 1 2018-08- 538.82 2018-08- 17193.13 391.76 O 0 12.24245 O O 2018-12- 22 21 22 23 22 23 21 22 1 19 02:55:10 01:22:26 02:55:10 01:22:26 RAOUL REDAJA ARCE .6763 2018-08- 0.2599 538.82 2 538.82 21 2023-02- 2018-08- 2018-08- 2018-08- 2018-08- 1 2018-08- 538.82 2018-08- 17193.13 404 O 0 12.24245 O O 2018-12- 23 21 21 23 1 19 01:22:26 01:13:42 01:22:26 01:13:42 RAOUL REDAJA ARCE .6763 2018-08- 0.2599 538.82 3 538.82 21 2023-02- 2018-08- 2018-08- 2018-08- 2018-08- 1 2018-08- 538.82 2018-08- 17193.13 416.25 0 0 12.24245 O O 2018-12- 24 21 24 2 24 2 21 24 1 19 01:13:42 02:03:12 01:13:42 02:03:12 RAOUL REDAJA ARCE .6763 2018-08- 0.2599 538.82 4 538.82 21 2023-02- 2018-08- 2018-08- 2018-08- 2018-08- 1 2018-08- 538.82 2018-08- 17193.13 428.49 0 0 12.24245 O O 2018-12- 25 21 21 25 1 19 02:03:13 11:45:10 02:03:12 11:45:10 RAOUL REDAJA ARCE .6763 2018-08- 0.2599 538.82 4 538.82 21 2023-02- 2018-08- 2018-08- 2018-08- 2018-08- 1 2018-08- 538.82 2018-08- 17193.13 428.49 O 0 12.24245 O O 2018-12- 25 21 25 25 25 25 21 25 1 19 11:45:10 11:45:15 11:45:10 11:45:15 RAOUL REDAJA ARCE .6763 2018-08- 0.2599 538.82 4 538.82 21 2023-02- 2018-08- 2018-08- 2018-08- 2018-08- 1 2018-08- 538.82 2018-08- 17193.13 428.49 O 0 12.24245 0 O 2018-12- 25 21 25 25 25 25 21 25 1 19 11:45:15 11:45:19 11:45:15 11:45:19 RAOUL REDAJA ARCE .6763 2018-08- 0.2599 538.82 4 538.82 21 2023-02- 2018-08- 2018-08- 2018-08- 2018-08- 1 2018-08- 538.82 2018-08- 17193.13 428.49 O 0 12.24245 O O 2018-12- 25 21 21 25 1 19 11:45:20 04:26:21 11:45:19 04:26:21 RAOUL REDAJA ARCE .6763 2018-08- 0.2599 538.82 5 538.82 21 2023-02- 2018-08- 2018-08- 2018-08- 2018-08- 1 2018-08- 538.82 2018-08- 17193.13 440.73 O 0 12.24245 0 O 2018-12- 26 21 26 26 26 26 21 26 1 19 04:26:21 09:58:50 04:26:21 09:58:50 RAOUL REDAJA ARCE .6763 2018-08- 0.2599 538.82 5 538.82 21 2023-02- 2018-08- 2018-08- 2018-08- 2018-08- 1 2018-08- 538.82 2018-08- 17193.13 440.73 O 0 12.24245 O O 2018-12- 26 21 21 26 1 19 09:58:51 09:58:57 09:58:50 09:58:57 RAOUL REDAJA ARCE .6763 2018-08- 0.2599 538.82 5 538.82 21 2023-02- 2018-08- 2018-08- 2018-08- 2018-08- 1 2018-08- 538.82 2018-08- 17193.13 440.73 O 0 12.24245 O O 2018-12- 26 21 26 27 26 27 21 26 1 19 09:58:57 03:48:24 09:58:57 03:48:24 RAOUL REDAJA ARCE .6763 2018-08- 0.2599 538.82 6 538.82 21 2023-02- 2018-08- 2018-08- 2018-08- 2018-08- 1 2018-08- 538.82 2018-08- 17193.13 452.97 O 0 12.24245 O O 2018-12- 27 21 27 27 27 27 21 27 1 19 03:48:24 06:29:08 03:48:24 06:29:08 RAOUL REDAJA ARCE .6763 2018-08- 0.2599 538.82 6 538.82 21 2023-02- 2018-08- 2018-08- 2018-08- 2018-08- 1 2018-08- 538.82 2018-08- 17193.13 452.97 0 0 12.24245 O O 2018-12- 27 21 27 27 27 27 21 27 1 19 06:29:08 06:29:13 06:29:08 06:29:13 RAOUL REDAJA ARCE .6763 2018-08- 0.2599 538.82 6 538.82 21 2023-02- 2018-08- 2018-08- 2018-08- 2018-08- 1 2018-08- 538.82 2018-08- 17193.13 452.97 O 0 12.24245 O 0 2018-12- 27 21 21 27 1 19 06:29:14 01:55:29 06:29:13 01:55:29 RAOUL REDAJA ARCE .6763 2018-08- 0.2599 538.82 7 538.82 21 2023-02- 2018-08- 2018-08- 2018-08- 2018-08- 1 2018-08- 538.82 2018-08- 17193.13 465.22 O 0 12.24245 O O 2018-12- 28 21 28 28 28 28 21 28 1 19 01:55:29 11:58:11 01:55:29 11:58:11 RAOUL REDAJA ARCE .6763 2018-08- 0.2599 538.82 7 538.82 21 2023-02- 2018-08- 2018-08- 2018-08- 2018-08- 1 2018-08- 538.82 2018-08- 17193.13 465.22 O 0 12.24245 0 O 2018-12- 28 21 28 28 28 28 21 28 1 19 11:58:11 11:58:16 11:58:11 11:58:16 RAOUL REDAJA ARCE .6763 2018-08- 0.2599 538.82 7 538.82 21 2023-02- 2018-08- 2018-08- 2018-08- 2018-08- 1 2018-08- 538.82 2018-08- 17193.13 465.22 O 0 12.24245 O O 2018-12- 28 21 21 28 1 19 11:58:16 01:23:05 11:58:16 01:23:05 RAOUL REDAJA ARCE I 6763 201 8-08- 0.2599 538.82 8 538.82 21 2023-02- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 538.82 201 8-08- 171 93. 1 3 477.46 O 12.24245 201 8-1 2- 29 21 29 29 29 29 21 29 1 19 01:23:06 10:15:32 01:23:05 10:15:32 RAOUL REDAJA ARCE I 6763 201 8-08- 0.2599 538.82 8 538.82 21 2023-02- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 538.82 201 8-08- 171 93. 1 3 477.46 O 12.24245 201 8-1 2- 29 21 21 29 1 19 10:15:32 10:15:37 10:15:32 10:15:37 RAOUL REDAJA ARCE I 6763 201 8-08- 0.2599 538.82 8 538.82 21 2023-02- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 538.82 201 8-08- 171 93. 1 3 477.46 O 12.24245 201 8-1 2- 29 21 29 29 29 29 21 29 1 19 10:15:37 16:15:05 10:15:37 16:15:05 RAOUL REDAJA ARCE I 6763 201 8-08- 0.2599 538.82 8 538.82 21 2023-02- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 538.82 201 8-08- 171 93. 1 3 477.46 O 12.24245 201 8-1 2- 29 21 21 29 1 19 16:15:11 02:23:40 16:15:05 02:23:40 RAOUL REDAJA ARCE I 6763 201 8-08- 0.2599 538.82 9 538.82 21 2023-02- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 538.82 201 8-08- 171 93. 1 3 489.7 0 12.24245 201 8-1 2- 30 21 21 3O 1 19 02:23:40 06:36:58 02:23:40 06:36:58 RAOUL REDAJA ARCE I 6763 201 8-08- 0.2599 538.82 9 538.82 21 2023-02- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 538.82 201 8-08- 171 93. 1 3 489.7 O 12.24245 201 8-1 2- 30 21 21 30 1 19 06:36:59 06:37:04 06:36:58 06:37:04 RAOUL REDAJA ARCE I 6763 201 8-08- 0.2599 538.82 9 538.82 21 2023-02- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 538.82 201 8-08- 171 93. 1 3 489.7 O 12.24245 201 8-1 2- 30 21 30 31 3O 31 21 3O 1 19 06:37:04 01 :59219 06:37:04 01 259:19 RAOUL REDAJA ARCE I 6763 201 8-08- 0.2599 538.82 10 538.82 21 2023-02- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 538.82 201 8-08- 171 93. 1 3 501 .94 O 12.24245 201 8-1 2- 31 21 31 31 31 31 21 31 1 19 O1 :59:19 05:14:20 01:59:19 05:14:20 RAOUL REDAJA ARCE I 6763 201 8-08- 0.2599 538.82 10 538.82 21 2023-02- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 538.82 201 8-08- 171 93. 1 3 501 .94 O 12.24245 201 8-1 2- 31 21 21 31 1 19 05:14:20 05:14:26 05:14:20 05:14:26 RAOUL REDAJA ARCE I 6763 201 8-08- 0.2599 538.82 10 538.82 21 2023-02- 201 8-08- 201 8-09- 201 8-08- 201 8-09- 201 8-08- 538.82 201 8-08- 171 93. 1 3 501 .94 O 12.24245 201 8-1 2- 31 21 31 01 31 01 21 31 1 19 05:14:26 02:51 :50 05:14:26 02:51 :50 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 538.82 11 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 51 4. 1 9 O 12.24245 201 8-1 2- 01 21 21 01 1 19 02:51 :51 04:13:35 02:51 :50 04:13:35 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 538.82 11 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 51 4. 1 9 O 12.24245 201 8-1 2- 01 21 O1 01 01 01 21 01 1 19 04:13:35 04:13:40 04:13:35 04:13:40 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 538.82 11 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 51 4. 1 9 O 12.24245 201 8-1 2- 01 21 O1 02 01 02 21 01 1 19 04:13:40 01:14:07 04:13:40 01:14:07 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 538.82 12 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 526.43 0 12.24245 201 8-1 2- 02 21 02 02 02 02 21 02 1 19 O1 :14:08 05:33:55 01 :14:07 05:33:55 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 538.82 12 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 526.43 O 12.24245 201 8-1 2- 02 21 21 02 1 19 05:33:55 05:34:00 05:33:55 05:34:00 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 538.82 12 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 526.43 O 12.24245 201 8-1 2- 02 21 02 03 02 03 21 02 1 19 05:34:00 01 :15232 05:34:00 01 215:32 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 538.82 13 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 538.67 O 12.24245 201 8-1 2- 03 21 O3 03 03 03 21 03 1 19 O1 :15:32 04:48:37 01 :15:32 04:48:37 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 538.82 13 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 538.67 O 12.24245 201 8-1 2- 03 21 21 03 1 19 04:48:37 04:48:41 04:48:37 04:48:41 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 538.82 13 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 538.67 O 12.24245 201 8-1 2- 03 21 03 04 03 04 21 03 1 19 04:48:42 01 :57:41 04:48:41 01 :57:41 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 538.82 14 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 550.91 O 12.24245 201 8-1 2- 04 21 21 04 1 19 O1 :57:41 13:25:07 01 :57:41 13:25:07 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 538.82 14 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 550.91 O 12.24245 201 8-1 2- 04 21 O4 04 04 04 21 04 1 19 13:25:07 13:25:12 13:25:07 13:25:12 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 538.82 14 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 550.91 O 12.24245 201 8-1 2- 04 21 21 04 1 19 13:25:12 02:53:49 13:25:12 02:53:49 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 538.82 15 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 563. 1 6 0 12.24245 201 8-1 2- 05 21 21 05 1 19 02:53:49 05:09:49 02:53:49 05:09:49 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 538.82 15 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 563. 1 6 O 12.24245 201 8-1 2- 05 21 21 05 1 19 05:09:50 05:09:54 05:09:49 05:09:54 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 538.82 15 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 563. 1 6 O 12.24245 201 8-1 2- 05 21 05 06 05 06 21 05 1 19 05:09:54 02:10:19 05:09:54 02:10:19 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 16 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 575.4 26.94 12.24245 201 8-1 2- 06 21 06 06 06 06 21 06 1 19 02:10:20 11:19:33 02:10:19 11:19:33 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 16 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 575.4 26.94 12.24245 201 8-1 2- 06 21 21 06 1 19 11:19:33 11:19:38 11:19:33 11:19:38 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 16 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 575.4 26.94 12.24245 201 8-1 2- 06 21 06 07 06 07 21 06 1 19 11:19:38 04:42:38 11:19:38 04:42:38 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 17 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 587.64 26.94 12.24245 201 8-1 2- 07 21 21 07 1 19 04:42:38 16:33:38 04:42:38 16:33:38 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 17 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 587.64 26.94 12.24245 201 8-1 2- 07 21 O7 07 07 07 21 07 1 19 16:33:38 16:33:44 16:33:38 16:33:44 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 17 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 587.64 26.94 12.24245 201 8-1 2- 07 21 O7 08 07 08 21 07 1 19 16:33:44 05:33:23 16:33:44 05:33:23 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 18 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 599.88 26.94 12.24245 201 8-1 2- 08 21 08 08 08 08 21 08 1 19 05:33:23 10:19:09 05:33:23 10:19:09 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 18 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 599.88 26.94 12.24245 201 8-1 2- 08 21 21 08 1 19 10:19:10 10:19:15 10:19:09 10:19:15 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 18 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 599.88 26.94 12.24245 201 8-1 2- 08 21 08 09 08 09 21 08 1 19 10:19:15 02:05:20 10:19:15 02:05:20 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 19 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 61 2. 1 3 26.94 12.24245 201 8-1 2- 09 21 21 09 1 19 02:05:21 10:05:43 02:05:20 10:05:43 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 19 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 61 2. 1 3 26.94 12.24245 201 8-1 2- 09 21 21 09 1 19 10:05:43 10:05:48 10:05:43 10:05:48 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 19 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 61 2. 1 3 26.94 12.24245 201 8-1 2- 09 21 21 09 1 19 10:05:49 03:47:19 10:05:48 03:47:19 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 20 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 624.37 26.94 12.24245 201 8-1 2- 10 21 10 10 1O 10 21 1O 1 19 03:47:20 15:00:46 03:47:19 15:00:46 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 20 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 624.37 26.94 12.24245 201 8-1 2- 10 21 10 10 1O 10 21 1O 1 19 15:00:47 15:00:52 15:00:46 15:00:52 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 20 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 624.37 26.94 12.24245 201 8-1 2- 10 21 21 1O 1 19 15:00:52 04:25:56 15:00:52 04:25:56 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 21 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 636.61 26.94 12.24245 201 8-1 2- 11 21 11 11 11 11 21 11 1 19 04:25:57 08:51 :05 04:25:56 08:51 :05 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 21 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 636.61 26.94 12.24245 201 8-1 2- 11 21 21 11 1 19 08:51:05 08:51:15 08:51:05 08:51:15 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 21 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 636.61 26.94 12.24245 201 8-1 2- 11 21 11 12 11 12 21 11 1 19 08:51:15 01:38:17 08:51:15 01:38:17 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 22 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 648.85 26.94 12.24245 201 8-1 2- 12 21 12 12 12 12 21 12 1 19 01 :38:18 09:41:53 01:38:17 09:41:53 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 22 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 648.85 26.94 12.24245 201 8-1 2- 12 21 12 12 12 12 21 12 1 19 09:41 :54 09:41 :59 09:41 :53 09:41 :59 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 22 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 648.85 26.94 12.24245 201 8-1 2- 12 21 21 12 1 19 09:41 :59 03:53:46 09:41 :59 03:53:46 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 23 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 661 .1 26.94 12.24245 201 8-1 2- 13 21 13 13 13 13 21 13 1 19 03:53:47 18:37:18 03:53:46 18:37:18 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 23 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 661 .1 26.94 12.24245 201 8-1 2- 13 21 13 13 13 13 21 13 1 19 18:37:18 18:37:24 18:37:18 18:37:24 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 23 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 661 .1 26.94 12.24245 201 8-1 2- 13 21 21 13 1 19 18:37:24 05:15:07 18:37:24 05:15:07 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 24 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 673.34 26.94 12.24245 201 8-1 2- 14 21 14 15 14 15 21 14 1 19 05:15:07 02:27:07 05:15:07 02:27:07 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 25 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 685.58 26.94 12.24245 201 8-1 2- 15 21 21 15 1 19 02:27:07 10:06:01 02:27:07 10:06:01 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 25 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 685.58 26.94 12.24245 201 8-1 2- 15 21 15 15 15 15 21 15 1 19 10:06:01 10:06:04 10:06:01 10:06:04 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 25 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 685.58 26.94 12.24245 201 8-1 2- 15 21 21 15 1 19 10:06:05 01:44:11 10:06:04 01:44:11 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 26 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 697.82 26.94 12.24245 201 8-1 2- 16 21 1 1 1 1 21 16 1 19 01:44:11 13:33:10 01:44:11 13:33:10 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 26 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 697.82 26.94 12.24245 201 8-1 2- 16 21 21 16 1 19 13:33:11 13:33:14 13:33:10 13:33:14 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 26 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 697.82 26.94 12.24245 201 8-1 2- 16 21 16 17 16 17 21 16 1 19 13:33:14 02:15:35 13:33:14 02:15:35 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 27 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 71 0.07 26.94 12.24245 201 8-1 2- 17 21 17 17 17 17 21 17 1 19 02:15:35 11:40:34 02:15:35 11:40:34 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 27 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 71 0.07 26.94 12.24245 201 8-1 2- 17 21 21 17 1 19 11:40:34 11:40:36 11:40:34 11:40:36 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 27 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 71 0.07 26.94 12.24245 201 8-1 2- 17 21 17 17 17 17 21 17 1 19 11:40:37 23:56:46 11:40:36 23:56:46 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 28 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 722.31 26.94 12.24245 201 8-1 2- 18 21 21 18 1 19 23:56:46 02:21 :19 23:56:46 02:21 :19 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 28 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 722.31 26.94 12.24245 201 8-1 2- 18 21 18 18 18 18 21 18 1 19 02:21:19 02:21:22 02:21:19 02:21:22 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 565.76 28 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 722.31 26.94 12.24245 201 8-1 2- 18 21 18 18 18 18 21 18 1 19 02:21 :22 23:44:44 02:21 :22 23:44:44 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 565.76 29 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 734.55 26.94 12.24245 2018-12- 19 21 18 19 18 19 21 19 1 19 23:44:44 02:28:31 23:44:44 02:28:31 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 565.76 29 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 734.55 26.94 12.24245 2018-12- 19 21 21 19 1 19 02:28:31 02:28:34 02:28:31 02:28:34 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 565.76 29 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 734.55 26.94 12.24245 2018-12- 19 21 19 19 19 19 21 19 1 19 02:28:34 23:34:29 02:28:34 23:34:29 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 565.76 30 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 746.79 26.94 12.24245 2018-12- 20 21 21 20 1 19 23:34:29 06:13:12 23:34:29 06:13:12 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 565.76 30 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 746.79 26.94 12.24245 2018-12- 20 21 2 2 2 2 21 20 1 19 06:13:12 06:13:14 06:13:12 06:13:14 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 565.76 30 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 746.79 26.94 12.24245 2018-12- 20 21 21 20 1 19 06:13:15 00:32:00 06:13:14 00:32:00 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 565.76 31 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 759.04 26.94 12.24245 2018-12- 21 21 21 21 21 21 21 21 1 19 00:32:00 05:03:44 00:32:00 05:03:44 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 565.76 31 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 759.04 26.94 12.24245 2018-12- 21 21 21 21 21 21 21 21 1 19 05:03:44 05:03:46 05:03:44 05:03:46 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 565.76 31 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 759.04 26.94 12.24245 2018-12- 21 21 21 21 1 19 05:03:46 00:06:01 05:03:46 00:06:01 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 1104.58 32 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 771.28 26.94 12.24245 2018-12- 22 21 22 22 22 22 21 22 1 19 00:06:02 05:28:52 00:06:01 05:28:52 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 1104.58 32 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 771.28 26.94 12.24245 2018-12- 22 21 21 22 1 19 05:28:52 05:28:55 05:28:52 05:28:55 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 1104.58 32 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 771.28 26.94 12.24245 2018-12- 22 21 22 23 22 23 21 22 1 19 05:28:55 01:02:07 05:28:55 01:02:07 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 1104.58 33 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 783.52 26.94 12.24245 2018-12- 23 21 23 23 23 23 21 23 1 19 01 :02:07 05:25:00 01 :02:O7 05:25:00 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 1104.58 33 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 783.52 26.94 12.24245 2018-12- 23 21 23 23 23 23 21 23 1 19 05:25:00 05:25:02 05:25:00 05:25:02 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 1104.58 33 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 783.52 26.94 12.24245 2018-12- 23 21 21 23 1 19 05:25:03 23:48:23 05:25:02 23:48:23 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 1104.58 34 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 795.76 26.94 12.24245 2018-12- 24 21 23 24 23 24 21 24 1 19 23:48:24 06:20:07 23:48:23 06:20:07 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 1104.58 34 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 795.76 26.94 12.24245 2018-12- 24 21 24 24 24 24 21 24 1 19 06:20:08 06:20:10 06:20:07 06:20:10 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 1104.58 34 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 795.76 26.94 12.24245 2018-12- 24 21 21 24 1 19 06:20:10 16:36:05 06:20:10 16:36:05 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 1104.58 34 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 795.76 26.94 12.24245 2018-12- 24 21 24 24 24 24 21 24 1 19 16:36:05 16:36:42 16:36:05 16:36:42 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 1104.58 34 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 795.76 26.94 12.24245 2018-12- 24 21 21 24 1 19 16:36:43 16:36:49 16:36:42 16:36:49 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 1104.58 34 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 795.76 26.94 12.24245 2018-12- 24 21 24 25 24 25 21 24 1 19 16:36:50 00:41:40 16:36:49 00:41:40 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 1104.58 35 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 808.01 26.94 12.24245 2018-12- 25 21 21 25 1 19 00:41 :40 02:45:56 00:41 :40 02:45:56 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 1104.58 35 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 808.01 26.94 12.24245 2018-12- 25 21 2 2 2 2 21 25 1 19 02:45:56 02:45:59 02:45:56 02:45:59 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 1104.58 35 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 808.01 26.94 12.24245 2018-12- 25 21 21 25 1 19 02:45:59 02:46:01 02:45:59 02:46:01 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 1104.58 35 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 808.01 26.94 12.24245 2018-12- 25 21 25 26 25 26 21 25 1 19 02:46:01 00:49:14 02:46:01 00:49:14 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 1104.58 36 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 820.25 26.94 12.24245 2018-12- 26 21 26 26 26 26 21 26 1 19 00:49:14 05:23:36 00:49:14 05:23:36 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 1104.58 36 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 820.25 26.94 12.24245 2018-12- 26 21 21 26 1 19 05:23:36 05:23:40 05:23:36 05:23:40 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 1104.58 36 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 820.25 26.94 12.24245 2018-12- 26 21 26 27 26 27 21 26 1 19 05:23:40 05:53:05 05:23:40 05:53:05 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 1104.58 37 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 832.49 26.94 12.24245 2018-12- 27 21 21 27 1 19 05:53:05 07:08:07 05:53:05 07:08:07 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 1104.58 37 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 832.49 26.94 12.24245 2018-12- 27 21 27 27 27 27 21 27 1 19 07:08:07 07:08:10 07:08:07 07:08:10 RAOUL REDAJA ARCE .6763 2018-09- 0.2599 1104.58 37 538.82 21 2023-02- 2018-09- 2018-09- 2018-09- 2018-09- 2018-08- 538.82 2018-09- 17193.13 832.49 26.94 12.24245 2018-12- 27 21 27 28 27 28 21 27 1 19 07:08:10 07:15:07 07:08:10 07:15:07 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 1104.58 38 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 844.73 26.94 12.24245 201 8-1 2- 28 21 28 28 28 28 21 28 1 19 07:15:07 10:08:09 07:15:07 10:08:09 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 1104.58 38 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 844.73 26.94 12.24245 201 8-1 2- 28 21 21 28 1 19 10:08:09 10:08:12 10:08:09 10:08:12 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 1104.58 38 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 844.73 26.94 12.24245 201 8-1 2- 28 21 28 29 28 29 21 28 1 19 10:08:12 01:44:32 10:08:12 01:44:32 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 1104.58 39 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 856.98 26.94 12.24245 201 8-1 2- 29 21 21 29 1 19 O1 :44:32 04:17:48 01 :44:32 04:17:48 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 1104.58 39 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 856.98 26.94 12.24245 201 8-1 2- 29 21 2 2 2 2 21 29 1 19 04:17:48 04:17:51 04:17:48 04:17:51 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 1104.58 39 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 856.98 26.94 12.24245 201 8-1 2- 29 21 21 29 1 19 04:17:52 02:39:39 04:17:51 02:39:39 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 1104.58 4O 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 869.22 26.94 12.24245 201 8-1 2- 30 21 30 30 3O 30 21 30 1 19 02:39:40 08:00:02 02:39:39 08:00:02 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 1104.58 40 538.82 21 2023-02- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 538.82 201 8-09- 171 93. 1 3 869.22 26.94 12.24245 201 8-1 2- 30 21 30 30 3O 30 21 30 1 19 08:00:02 08:00:06 08:00:02 08:00:06 RAOUL REDAJA ARCE I 6763 201 8-09- 0.2599 1104.58 40 538.82 21 2023-02- 201 8-09- 201 8-1 0- 201 8-09- 201 8-1 0- 201 8-08- 538.82 201 8-09- 171 93. 1 3 869.22 26.94 12.24245 201 8-1 2- 30 21 21 30 1 19 08:00:06 01 :59229 08:00:06 01 259:29 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1104.58 41 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 881.46 26.94 12.24245 2018-12- 01 21 O1 01 01 01 21 01 1 19 O1 :59z29 07:48:17 01 :59:29 07:48:17 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1104.58 41 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 881.46 26.94 12.24245 2018-12- O1 21 21 01 1 19 07:48:17 07:48:20 07:48:17 07:48:20 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1104.58 41 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 881.46 26.94 12.24245 2018-12- 01 21 O1 02 01 02 21 01 1 19 07:48:21 01 :35z34 07:48:20 O1 :35:34 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1104.58 42 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 893.7 26.94 12.24245 2018-12- 02 21 02 02 02 02 21 02 1 19 01 :35:34 05:28:58 01 :35:34 05:28:58 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1104.58 42 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 893.7 26.94 12.24245 2018-12- 02 21 02 02 02 02 21 02 1 19 05:28:59 05:29:01 05:28:58 05:29:01 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1104.58 42 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 893.7 26.94 12.24245 2018-12- 02 21 21 02 1 19 05:29:02 23:43:40 05:29:01 23:43:40 RAOUL REDAJA ARCE I 6763 2018-1 0- 0.2599 1104.58 43 538.82 21 2023-02- 201 8-1 0- 201 8-1 O- 201 8-1 0- 2018-1 0- 201 8-08- 538.82 201 8-1 O- 17193.13 905.95 26.94 12.24245 201 8-1 2- 03 21 02 03 02 03 21 03 1 19 23:43:40 02:31 :17 23:43:40 02:31 :17 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1104.58 43 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 905.95 26.94 12.24245 2018-12- 03 21 O3 03 03 O3 21 03 1 19 02:31:17 02:31:20 02:31:17 02:31:20 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1104.58 43 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 905.95 26.94 12.24245 2018-12- 03 21 21 03 1 19 02:31:20 00:12:17 02:31:20 00:12:17 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1104.58 44 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 918.19 26.94 12.24245 2018-12- 04 21 04 04 04 04 21 04 1 19 00:12:18 05:27:39 00:12:17 05:27:39 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1104.58 44 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 918.19 26.94 12.24245 2018-12- O4 21 21 04 1 19 05:27:39 05:27:43 05:27:39 05:27:43 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1104.58 44 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 918.19 26.94 12.24245 2018-12- 04 21 O4 05 04 05 21 04 1 19 05:27:43 00:41 :34 05:27:43 00:41 :34 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1104.58 45 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 930.43 26.94 12.24245 2018-12- 05 21 21 05 1 19 00:41 :35 06:44:08 00:41 :34 06:44:08 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1104.58 45 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 930.43 26.94 12.24245 2018-12- 05 21 21 05 1 19 06:44:08 06:44:11 06:44:08 06:44:11 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1104.58 45 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 930.43 26.94 12.24245 2018-12- 05 21 21 05 1 19 06:44: 1 2 23:38:48 06:44:11 23:38:48 RAOUL REDAJA ARCE I 6763 2018-1 0- 0.2599 1104.58 46 538.82 21 2023-02- 201 8-1 0- 201 8-1 O- 201 8-1 0- 2018-1 0- 201 8-08- 538.82 201 8-1 O- 17193.13 942.67 26.94 12.24245 201 8-1 2- 06 21 05 06 05 06 21 06 1 19 23:38:49 07:32:09 23:38:48 07:32:09 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1104.58 46 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 942.67 26.94 12.24245 2018-12- 06 21 06 06 06 O6 21 06 1 19 07:32:10 07:32:1 3 07:32:09 07:32:13 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1104.58 46 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 942.67 26.94 12.24245 2018-12- 06 21 21 06 1 19 07:32:13 00:06:06 07:32:13 00:06:06 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131 .52 47 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 954.92 53.88 12.24245 2018-12- 07 21 O7 07 07 07 21 07 1 19 00:06:06 04:18:08 00:06:06 04:18:08 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131 .52 47 538.82 21 2023-02- 2018-1 0- 2018-10- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 954.92 53.88 12.24245 2018-12- O7 21 21 07 1 19 04:18:08 04:18:11 04:18:08 04:18:11 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131 .52 47 538.82 21 2023-02- 2018-1 0- 2018-10- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 954.92 53.88 12.24245 2018-12- 07 21 O7 07 07 07 21 07 1 19 04:18:11 23:42:35 04:18:11 23:42:35 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131 .52 48 538.82 21 2023-02- 2018-1 0- 2018-10- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 967.16 53.88 12.24245 2018-12- 08 21 O7 08 07 08 21 08 1 19 23:42:35 03:17:17 23:42:35 03:17:17 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 48 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 967.16 53.88 12.24245 2018-12- 08 21 08 08 08 08 21 08 1 19 03:17:17 03:17:20 03:17:17 03:17:20 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 48 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 967.16 53.88 12.24245 2018-12- 08 21 21 08 1 19 03:17:21 01:22:30 03:17:20 01:22:30 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 49 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 979.4 53.88 12.24245 2018-12- 09 21 09 09 09 09 21 09 1 19 01:22:30 07:21:33 01:22:30 07:21:33 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 49 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 979.4 53.88 12.24245 2018-12- 09 21 21 09 1 19 07:21:33 07:21:36 07:21:33 07:21:36 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 49 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 979.4 53.88 12.24245 2018-12- 09 21 1 1 21 09 1 19 07:21:36 00:03:16 07:21:36 00:03:16 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 50 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 991.64 53.88 12.24245 2018-12- 10 21 21 10 1 19 00:03:16 07:50:59 00:03:16 07:50:59 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 50 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 991.64 53.88 12.24245 2018-12- 10 21 10 10 1O 10 21 1O 1 19 07:50:59 07:51:03 07:50:59 07:51:03 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 50 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 991.64 53.88 12.24245 2018-12- 1O 21 10 11 1O 11 21 1O 1 19 07:51:03 00:14:55 07:51:03 00:14:55 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 51 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1003.88 53.88 12.24245 2018-12- 11 21 21 11 1 19 00:14:55 04:11:19 00:14:55 04:11:19 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 51 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1003.88 53.88 12.24245 2018-12- 11 21 11 11 11 11 21 11 1 19 04:11:19 04:11:22 04:11:19 04:11:22 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 51 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1003.88 53.88 12.24245 2018-12- 11 21 21 11 1 19 04:11:23 00:48:19 04:11:22 00:48:19 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 52 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1016.13 53.88 12.24245 2018-12- 12 21 12 12 12 12 21 12 1 19 00:48:19 07:48:14 00:48:19 07:48:14 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 52 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1016.13 53.88 12.24245 2018-12- 12 21 12 12 12 12 21 12 1 19 07:48:14 07:48:18 07:48:14 07:48:18 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 52 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1016.13 53.88 12.24245 2018-12- 12 21 12 12 12 12 21 12 1 19 07:48:18 23:39:15 07:48:18 23:39:15 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 53 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1028.37 53.88 12.24245 2018-12- 13 21 21 13 1 19 23:39:15 05:28:59 23:39:15 05:28:59 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 53 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1028.37 53.88 12.24245 2018-12- 13 21 13 13 13 13 21 13 1 19 05:29:00 05:29:03 05:28:59 05:29:03 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 53 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1028.37 53.88 12.24245 2018-12- 13 21 13 14 13 14 21 13 1 19 05:29:04 00:20:56 05:29:03 00:20:56 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 54 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1040.61 53.88 12.24245 2018-12- 14 21 21 14 1 19 00:20:56 02:00:21 00:20:56 02:00:21 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 54 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1040.61 53.88 12.24245 2018-12- 14 21 14 14 14 14 21 14 1 19 02:00:21 02:00:25 02:00:21 02:00:25 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 54 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1040.61 53.88 12.24245 2018-12- 14 21 21 14 1 19 02:00:25 01:57:39 02:00:25 01:57:39 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 55 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1052.85 53.88 12.24245 2018-12- 15 21 15 15 15 15 21 15 1 19 01:57:39 02:54:11 01:57:39 02:54:11 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 55 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1052.85 53.88 12.24245 2018-12- 15 21 21 15 1 19 02:54:12 02:54:14 02:54:11 02:54:14 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 55 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1052.85 53.88 12.24245 2018-12- 15 21 1 1 1 1 21 15 1 19 02:54:15 00:23:37 02:54:14 00:23:37 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 56 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1065.1 53.88 12.24245 2018-12- 16 21 21 16 1 19 00:23:38 07:58:38 00:23:37 07:58:38 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 56 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1065.1 53.88 12.24245 2018-12- 16 21 16 16 16 16 21 16 1 19 07:58:38 07:58:41 07:58:38 07:58:41 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 56 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1065.1 53.88 12.24245 2018-12- 16 21 16 17 16 17 21 16 1 19 07:58:41 01:15:11 07:58:41 01:15:11 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 57 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1077.34 53.88 12.24245 2018-12- 17 21 21 17 1 19 01:15:11 06:03:00 01:15:11 06:03:00 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 57 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1077.34 53.88 12.24245 2018-12- 17 21 17 17 17 17 21 17 1 19 06:03:01 06:03:04 06:03:00 06:03:04 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 57 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1077.34 53.88 12.24245 2018-12- 17 21 21 17 1 19 06:03:05 01:08:20 06:03:04 01:08:20 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 58 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1089.58 53.88 12.24245 2018-12- 18 21 18 18 18 18 21 18 1 19 O1 :08:20 08:39:43 01 :08:20 08:39:43 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 58 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1089.58 53.88 12.24245 2018-12- 18 21 18 18 18 18 21 18 1 19 08:39:44 08:39:48 08:39:43 08:39:48 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 58 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1089.58 53.88 12.24245 2018-12- 18 21 18 19 18 19 21 18 1 19 08:39:48 00:32:33 08:39:48 00:32:33 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 59 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1101.82 53.88 12.24245 2018-12- 19 21 21 19 1 19 00:32:33 05:33:00 00:32:33 05:33:00 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 59 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1101.82 53.88 12.24245 2018-12- 19 21 19 19 19 19 21 19 1 19 05:33:00 05:33:03 05:33:00 05:33:03 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 59 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1101.82 53.88 12.24245 2018-12- 19 21 21 19 1 19 05:33:03 00:35:33 05:33:03 00:35:33 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 60 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1114.07 53.88 12.24245 2018-12- 20 21 2 2 2 2 21 20 1 19 00:35:34 04:49:34 00:35:33 04:49:34 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 60 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1114.07 53.88 12.24245 2018-12- 20 21 21 20 1 19 04:49:34 04:49:38 04:49:34 04:49:38 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 60 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1114.07 53.88 12.24245 2018-12- 20 21 20 21 20 21 21 20 1 19 04:49:38 02:30:57 04:49:38 02:30:57 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 61 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1126.31 53.88 12.24245 2018-12- 21 21 21 21 21 21 21 21 1 19 02:30:58 03:26:21 02:30:57 03:26:21 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 61 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1126.31 53.88 12.24245 2018-12- 21 21 21 21 1 19 03:26:21 03:26:25 03:26:21 03:26:25 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1131.52 61 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1126.31 53.88 12.24245 2018-12- 21 21 21 22 21 22 21 21 1 19 03:26:25 01:17:29 03:26:25 01:17:29 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 62 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1138.55 53.88 12.24245 2018-12- 22 21 21 22 1 19 01:17:29 08:36:22 01:17:29 08:36:22 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 62 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1138.55 53.88 12.24245 2018-12- 22 21 22 22 22 22 21 22 1 19 08:36:23 08:36:26 08:36:22 08:36:26 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 62 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1138.55 53.88 12.24245 2018-12- 22 21 22 23 22 23 21 22 1 19 08:36:27 01:56:34 08:36:26 01:56:34 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 63 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1150.79 53.88 12.24245 2018-12- 23 21 23 23 23 23 21 23 1 19 O1 :56:34 04:44:42 01 :56:34 04:44:42 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 63 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1150.79 53.88 12.24245 2018-12- 23 21 21 23 1 19 04:44:42 04:44:46 04:44:42 04:44:46 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 63 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1150.79 53.88 12.24245 2018-12- 23 21 23 24 23 24 21 23 1 19 04:44:46 00:12:29 04:44:46 00:12:29 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 64 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1163.04 53.88 12.24245 2018-12- 24 21 24 24 24 24 21 24 1 19 00:12:30 07:55:49 00:12:29 07:55:49 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 64 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1163.04 53.88 12.24245 2018-12- 24 21 21 24 1 19 07:55:50 07:55:53 07:55:49 07:55:53 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 64 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1163.04 53.88 12.24245 2018-12- 24 21 24 25 24 25 21 24 1 19 07:55:53 00:48:08 07:55:53 00:48:08 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 65 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1175.28 53.88 12.24245 2018-12- 25 21 21 25 1 19 00:48:08 06:27:39 00:48:08 06:27:39 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 65 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1175.28 53.88 12.24245 2018-12- 25 21 25 25 25 25 21 25 1 19 06:27:39 06:27:43 06:27:39 06:27:43 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 65 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1175.28 53.88 12.24245 2018-12- 25 21 21 25 1 19 06:27:43 01:07:17 06:27:43 01:07:17 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 66 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1187.52 53.88 12.24245 2018-12- 26 21 2 2 2 2 21 26 1 19 01:07:18 03:17:23 01:07:17 03:17:23 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 66 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1187.52 53.88 12.24245 2018-12- 26 21 21 26 1 19 03:17:23 03:17:27 03:17:23 03:17:27 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 66 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1187.52 53.88 12.24245 2018-12- 26 21 26 27 26 27 21 26 1 19 03:17:27 00:28:23 03:17:27 00:28:23 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 67 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1199.76 53.88 12.24245 2018-12- 27 21 27 27 27 27 21 27 1 19 00:28:23 06:27:38 00:28:23 06:27:38 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 67 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1199.76 53.88 12.24245 2018-12- 27 21 21 27 1 19 06:27:38 06:27:42 06:27:38 06:27:42 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 67 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1199.76 53.88 12.24245 2018-12- 27 21 27 28 27 28 21 27 1 19 06:27:42 00:21:11 06:27:42 00:21:11 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 68 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1212.01 53.88 12.24245 2018-12- 28 21 21 28 1 19 00:21:11 05:48:10 00:21:11 05:48:10 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 68 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1212.01 53.88 12.24245 2018-12- 28 21 28 28 28 28 21 28 1 19 05:48:10 05:48:14 05:48:10 05:48:14 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 68 538.82 21 2023-02- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 538.82 2018-10- 17193.13 1212.01 53.88 12.24245 2018-12- 28 21 28 29 28 29 21 28 1 19 05:48:14 00:06:11 05:48:14 00:06:11 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 69 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 1224.25 53.88 12.24245 2018-12- 29 21 29 29 29 29 21 29 1 19 00:06:11 02:1 1 :29 00:06:11 02:1 1 :29 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 69 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 1224.25 53.88 12.24245 2018-12- 29 21 21 29 1 19 02:11:29 02:11:33 02:11:29 02:11:33 RAOUL REDAJA ARCE I 6763 2018-1 0- 0.2599 1670.34 69 538.82 21 2023-02- 201 8-1 0- 201 8-1 0- 201 8-1 0- 2018-1 0- 201 8-08- 538.82 201 8-1 O- 17193.13 1224.25 53.88 12.24245 201 8-1 2- 29 21 29 30 29 30 21 29 1 19 02:1 1 :33 07:59:28 02:1 1 :33 07:59:28 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 70 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 1236.49 53.88 12.24245 2018-12- 30 21 21 30 1 19 07:59:29 09:33:30 07:59:28 09:33:30 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 70 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 1236.49 53.88 12.24245 2018-12- 30 21 21 3O 1 19 09:33:31 09:33:32 09:33:30 09:33:32 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 70 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 1236.49 53.88 12.24245 2018-12- 30 21 21 30 1 19 09:33:32 23:41 :03 09:33:32 23:41 :03 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 71 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 1248.73 53.88 12.24245 2018-12- 31 21 30 31 3O 31 21 31 1 19 23:41 :03 10:26:45 23:41 :03 10:26:45 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 71 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 1248.73 53.88 12.24245 2018-12- 31 21 31 31 31 31 21 31 1 19 10:26:45 10:26:46 10:26:45 10:26:46 RAOUL REDAJA ARCE .6763 2018-10- 0.2599 1670.34 71 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-10- 17193.13 1248.73 53.88 12.24245 2018-12- 31 21 21 31 1 19 10:26:47 22:31 :21 10:26:46 22:31 :21 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1670.34 72 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-1 1- 17193.13 1260.98 53.88 12.24245 2018-12- 01 21 31 31 31 31 21 01 1 19 22:31 :22 23:19:53 22:31 :21 23:19:53 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1670.34 72 538.82 21 2023-02- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 538.82 2018-1 1- 17193.13 1260.98 53.88 12.24245 2018-12- O1 21 21 01 1 19 23:19:53 23:19:54 23:19:53 23:19:54 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1670.34 72 538.82 21 2023-02- 2018-1 0- 2018-1 1- 2018-10- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1260.98 53.88 12.24245 2018-12- 01 21 31 01 31 01 21 01 1 19 23:19:55 22:41 :25 23:19:54 22:41 :25 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1670.34 73 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1273.22 53.88 12.24245 2018-12- 02 21 O1 02 01 02 21 02 1 19 22:41:25 03:16:18 22:41:25 03:16:18 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1670.34 73 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1273.22 53.88 12.24245 2018-12- 02 21 02 02 02 02 21 02 1 19 03:16:18 03:16:19 03:16:18 03:16:19 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1670.34 73 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1273.22 53.88 12.24245 2018-12- 02 21 21 02 1 19 03:16:19 22:51:10 03:16:19 22:51:10 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1670.34 74 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1285.46 53.88 12.24245 2018-12- 03 21 02 02 02 02 21 03 1 19 22:51:10 23:52:24 22:51 :10 23:52:24 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1670.34 74 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1285.46 53.88 12.24245 2018-12- 03 21 02 02 02 02 21 03 1 19 23:52:24 23:52:26 23:52:24 23:52:26 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1670.34 74 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1285.46 53.88 12.24245 2018-12- 03 21 21 03 1 19 23:52:26 22:02:50 23:52:26 22:02:50 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1670.34 75 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1297.7 53.88 12.24245 2018-12- 04 21 O3 04 03 04 21 04 1 19 22:02:50 00:45:11 22:02:50 00:45:11 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1670.34 75 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1297.7 53.88 12.24245 2018-12- O4 21 21 04 1 19 00:45:11 00:45:13 00:45:11 00:45:13 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1670.34 75 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1297.7 53.88 12.24245 2018-12- 04 21 O4 04 04 04 21 04 1 19 00:45:13 23:51 :25 00:45:13 23:51 :25 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1670.34 76 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1309.95 53.88 12.24245 2018-12- 05 21 21 05 1 19 23:51 :25 02:28:37 23:51 :25 02:28:37 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1670.34 76 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1309.95 53.88 12.24245 2018-12- 05 21 21 05 1 19 02:28:37 02:28:39 02:28:37 02:28:39 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1670.34 76 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1309.95 53.88 12.24245 2018-12- 05 21 21 05 1 19 02:28:39 23:08:41 02:28:39 23:08:41 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 77 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1322.19 80.82 12.24245 2018-12- 06 21 05 06 05 06 21 06 1 19 23:08:41 03:36:06 23:08:41 03:36:06 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 77 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1322.19 80.82 12.24245 2018-12- 06 21 06 06 06 06 21 06 1 19 03:36:06 03:36:07 03:36:06 03:36:07 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 77 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1322.19 80.82 12.24245 2018-12- 06 21 21 06 1 19 03:36:08 23:36:34 03:36:07 23:36:34 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 78 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1334.43 80.82 12.24245 2018-12- 07 21 06 07 06 07 21 07 1 19 23:36:34 03:21 :25 23:36:34 03:21 :25 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 78 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-1 1- 2018-08- 538.82 2018-1 1- 17193.13 1334.43 80.82 12.24245 2018-12- O7 21 21 07 1 19 03:21 :25 03:21 :27 03:21 :25 03:21 :27 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 78 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-1 1- 2018-08- 538.82 2018-1 1- 17193.13 1334.43 80.82 12.24245 2018-12- 07 21 O7 07 07 07 21 07 1 19 03:21 :27 23:46:52 03:21 :27 23:46:52 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 79 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-1 1- 2018-08- 538.82 2018-1 1- 17193.13 1346.67 80.82 12.24245 2018-12- 08 21 O7 08 07 08 21 08 1 19 23:46:52 01 :52:39 23:46:52 01 :52:39 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 79 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1346.67 80.82 12.24245 2018-12- 08 21 08 08 08 08 21 08 1 19 01:52:39 01:52:41 01:52:39 01:52:41 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 79 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1346.67 80.82 12.24245 2018-12- 08 21 21 08 1 19 01:52:41 23:36:13 01:52:41 23:36:13 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 80 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1358.92 80.82 12.24245 2018-12- 09 21 08 09 08 09 21 09 1 19 23:36:14 02:50:15 23:36:13 02:50:15 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 80 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1358.92 80.82 12.24245 2018-12- 09 21 21 09 1 19 02:50:15 02:50:17 02:50:15 02:50:17 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 80 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1358.92 80.82 12.24245 2018-12- 09 21 21 09 1 19 02:50:17 23:38:46 02:50:17 23:38:46 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 81 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1371.16 80.82 12.24245 2018-12- 10 21 21 10 1 19 23:38:47 01:12:59 23:38:46 01:12:59 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 81 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1371.16 80.82 12.24245 2018-12- 10 21 10 10 1O 10 21 1O 1 19 01:12:59 01:13:01 01:12:59 01:13:01 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 81 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1371.16 80.82 12.24245 2018-12- 1O 21 10 10 1O 10 21 1O 1 19 01:13:01 23:44:05 01:13:01 23:44:05 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 82 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1383.4 80.82 12.24245 2018-12- 11 21 21 11 1 19 23:44:05 01:54:29 23:44:05 01:54:29 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 82 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1383.4 80.82 12.24245 2018-12- 11 21 11 11 11 11 21 11 1 19 01:54:29 01:54:30 01:54:29 01:54:30 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 82 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1383.4 80.82 12.24245 2018-12- 11 21 21 11 1 19 01:54:31 23:08:14 01:54:30 23:08:14 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 83 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1395.64 80.82 12.24245 2018-12- 12 21 11 12 11 12 21 12 1 19 23:08:15 00:09:04 23:08:14 00:09:04 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 83 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1395.64 80.82 12.24245 2018-12- 12 21 12 12 12 12 21 12 1 19 00:09:04 00:09:06 00:09:04 00:09:06 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 83 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1395.64 80.82 12.24245 2018-12- 12 21 12 12 12 12 21 12 1 19 00:09:06 23:45:06 00:09:06 23:45:06 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 84 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1407.89 80.82 12.24245 2018-12- 13 21 21 13 1 19 23:45:06 02:32:38 23:45:06 02:32:38 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 84 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1407.89 80.82 12.24245 2018-12- 13 21 13 13 13 13 21 13 1 19 02:32:39 02:32:42 02:32:38 02:32:42 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 84 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1407.89 80.82 12.24245 2018-12- 13 21 13 13 13 13 21 13 1 19 02:32:42 23:51:53 02:32:42 23:51:53 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 85 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1420.13 80.82 12.24245 2018-12- 14 21 21 14 1 19 23:51:53 01:09:02 23:51:53 01:09:02 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 85 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1420.13 80.82 12.24245 2018-12- 14 21 14 14 14 14 21 14 1 19 01:09:02 01:09:04 01:09:02 01:09:04 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 85 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1420.13 80.82 12.24245 2018-12- 14 21 21 14 1 19 O1 :09204 00:23:25 01 :09:O4 00:23:25 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 86 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1432.37 80.82 12.24245 2018-12- 15 21 15 15 15 15 21 15 1 19 00:23:25 03:16:54 00:23:25 03:16:54 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 86 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1432.37 80.82 12.24245 2018-12- 15 21 21 15 1 19 03:16:54 03:16:56 03:16:54 03:16:56 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 86 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1432.37 80.82 12.24245 2018-12- 15 21 1 1 1 1 21 15 1 19 03:16:56 23:27:40 03:16:56 23:27:40 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 87 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1444.61 80.82 12.24245 2018-12- 16 21 21 16 1 19 23:27:40 01:05:51 23:27:40 01:05:51 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 87 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1444.61 80.82 12.24245 2018-12- 16 21 16 16 16 16 21 16 1 19 01:05:51 01:05:54 01:05:51 01:05:54 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 87 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1444.61 80.82 12.24245 2018-12- 16 21 16 16 16 16 21 16 1 19 01:05:54 23:03:13 01:05:54 23:03:13 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 88 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1456.86 80.82 12.24245 2018-12- 17 21 21 17 1 19 23:03:14 02:37:42 23:03:13 02:37:42 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 88 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1456.86 80.82 12.24245 2018-12- 17 21 17 17 17 17 21 17 1 19 02:37:42 02:37:44 02:37:42 02:37:44 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 88 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1456.86 80.82 12.24245 2018-12- 17 21 21 17 1 19 02:37:44 22:55:25 02:37:44 22:55:25 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 89 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1469.1 80.82 12.24245 2018-12- 18 21 17 18 17 18 21 18 1 19 22:55:25 02:36:25 22:55:25 02:36:25 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 89 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1469.1 80.82 12.24245 2018-12- 18 21 18 18 18 18 21 18 1 19 02:36:25 02:36:27 02:36:25 02:36:27 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 89 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1469.1 80.82 12.24245 2018-12- 18 21 18 19 18 19 21 18 1 19 02:36:28 00:03:15 02:36:27 00:03:15 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 90 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1481.34 80.82 12.24245 2018-12- 19 21 21 19 1 19 00:03:15 01:20:12 00:03:15 01:20:12 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 90 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1481.34 80.82 12.24245 2018-12- 19 21 19 19 19 19 21 19 1 19 01:20:13 01:20:15 01:20:12 01:20:15 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 90 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1481.34 80.82 12.24245 2018-12- 19 21 21 19 1 19 O1 :20:15 23:50:22 01 :20:15 23:50:22 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 91 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1493.58 80.82 12.24245 2018-12- 20 21 1 2 1 2 21 20 1 19 23:50:22 02:06:06 23:50:22 02:06:06 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 91 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1493.58 80.82 12.24245 2018-12- 20 21 21 20 1 19 02:06:07 02:06:09 02:06:06 02:06:09 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 91 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1493.58 80.82 12.24245 2018-12- 20 21 20 20 20 20 21 20 1 19 02:06:09 23:59:33 02:06:09 23:59:33 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 92 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1505.83 80.82 12.24245 2018-12- 21 21 20 21 20 21 21 21 1 19 23:59:34 02:06:30 23:59:33 02:06:30 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 92 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1505.83 80.82 12.24245 2018-12- 21 21 21 21 1 19 02:06:31 02:06:33 02:06:30 02:06:33 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 1697.28 92 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1505.83 80.82 12.24245 2018-12- 21 21 21 21 21 21 21 21 1 19 02:06:33 23:50:14 02:06:33 23:50:14 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 93 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1518.07 80.82 12.24245 2018-12- 22 21 21 22 1 19 23:50:14 03:31 :07 23:50:14 03:31 :07 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 93 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1518.07 80.82 12.24245 2018-12- 22 21 22 22 22 22 21 22 1 19 03:31 :07 03:31 :09 03:31 :07 03:31 :09 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 93 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1518.07 80.82 12.24245 2018-12- 22 21 22 22 22 22 21 22 1 19 03:31 :09 22:44:36 03:31 :09 22:44:36 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 94 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1530.31 80.82 12.24245 2018-12- 23 21 22 23 22 23 21 23 1 19 22:44:37 01 :36248 22:44:36 01 236:48 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 94 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1530.31 80.82 12.24245 2018-12- 23 21 21 23 1 19 O1 :36:48 01 :36:50 01 :36:48 01 :36:50 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 94 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1530.31 80.82 12.24245 2018-12- 23 21 23 23 23 23 21 23 1 19 O1 :36z50 22:58:31 01 :36:50 22:58:31 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 95 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1542.55 80.82 12.24245 2018-12- 24 21 23 24 23 24 21 24 1 19 22:58:31 03:02:48 22:58:31 03:02:48 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 95 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1542.55 80.82 12.24245 2018-12- 24 21 21 24 1 19 03:02:49 03:02:51 03:02:48 03:02:51 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 95 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1542.55 80.82 12.24245 2018-12- 24 21 24 24 24 24 21 24 1 19 03:02:51 23:05:22 03:02:51 23:05:22 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 96 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1554.8 80.82 12.24245 2018-12- 25 21 21 25 1 19 23:05:22 07:10:26 23:05:22 07:10:26 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 96 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1554.8 80.82 12.24245 2018-12- 25 21 25 25 25 25 21 25 1 19 07:10:27 07:10:30 07:10:26 07:10:30 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 96 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1554.8 80.82 12.24245 2018-12- 25 21 21 25 1 19 07:10:30 23:50:14 07:10:30 23:50:14 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 97 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1567.04 80.82 12.24245 2018-12- 26 21 2 2 2 2 21 26 1 19 23:50:14 04:14:51 23:50:14 04:14:51 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 97 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1567.04 80.82 12.24245 2018-12- 26 21 21 26 1 19 04:14:51 04:14:54 04:14:51 04:14:54 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 97 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1567.04 80.82 12.24245 2018-12- 26 21 26 27 26 27 21 26 1 19 04:14:54 00:27:18 04:14:54 00:27:18 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 98 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1579.28 80.82 12.24245 2018-12- 27 21 27 27 27 27 21 27 1 19 00:27:18 07:39:53 00:27:18 07:39:53 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 98 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1579.28 80.82 12.24245 2018-12- 27 21 21 27 1 19 07:39:54 07:39:57 07:39:53 07:39:57 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 98 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1579.28 80.82 12.24245 2018-12- 27 21 27 28 27 28 21 27 1 19 07:39:57 00:23:21 07:39:57 00:23:21 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 99 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-1 1- 2018-08- 538.82 2018-1 1- 17193.13 1591.52 80.82 12.24245 2018-12- 28 21 21 28 1 19 00:23:21 05:00:05 00:23:21 05:00:05 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 99 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-1 1- 2018-08- 538.82 2018-1 1- 17193.13 1591.52 80.82 12.24245 2018-12- 28 21 28 28 28 28 21 28 1 19 05:00:06 05:00:08 05:00:05 05:00:08 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 99 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-1 1- 2018-08- 538.82 2018-1 1- 17193.13 1591.52 80.82 12.24245 2018-12- 28 21 28 28 28 28 21 28 1 19 05:00:09 23:56:01 05:00:08 23:56:01 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 100 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1603.77 80.82 12.24245 2018-12- 29 21 28 29 28 29 21 29 1 19 23:56:02 06:43:53 23:56:01 06:43:53 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 100 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1603.77 80.82 12.24245 2018-12- 29 21 21 29 1 19 06:43:53 06:43:56 06:43:53 06:43:56 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 100 538.82 21 2023-02- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 538.82 2018-1 1- 17193.13 1603.77 80.82 12.24245 2018-12- 29 21 29 30 29 30 21 29 1 19 06:43:56 08:04:48 06:43:56 08:04:48 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 101 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1616.01 80.82 12.24245 2018-12- 30 21 21 30 1 19 08:04:48 18:02:39 08:04:48 18:02:39 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 101 538.82 21 2023-02- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 538.82 2018-11- 17193.13 1616.01 80.82 12.24245 2018-12- 30 21 21 3O 1 19 18:02:40 18:02:43 18:02:39 18:02:43 RAOUL REDAJA ARCE .6763 2018-11- 0.2599 2236.1 101 538.82 21 2023-02- 2018-1 1- 2018-1 2- 2018-11- 2018-12- 2018-08- 538.82 2018-1 1- 17193.13 1616.01 80.82 12.24245 2018-12- 30 21 21 30 1 19 18:02:43 02:07:06 18:02:43 02:07:06 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2236.1 102 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1628.25 80.82 12.24245 2018-12- 01 21 O1 01 01 01 21 01 1 19 02:07:06 06:38:23 02:07:06 06:38:23 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2236.1 102 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1628.25 80.82 12.24245 2018-12- 01 21 O1 01 01 O1 21 01 1 19 06:38:23 06:38:27 06:38:23 06:38:27 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2236.1 102 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1628.25 80.82 12.24245 2018-12- 01 21 21 01 1 19 06:38:27 22:53:09 06:38:27 22:53:09 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2236.1 103 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1640.49 80.82 12.24245 2018-12- 02 21 O1 02 01 02 21 02 1 19 22:53:09 01 :58221 22:53:09 01 :58:21 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2236.1 103 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1640.49 80.82 12.24245 2018-12- 02 21 21 02 1 19 O1 :58221 01 :58223 01 :58:21 01 :58:23 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2236.1 103 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1640.49 80.82 12.24245 2018-12- 02 21 02 02 02 02 21 02 1 19 O1 :58:24 23:34:50 01 :58:23 23:34:50 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2236.1 104 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1652.73 80.82 12.24245 2018-12- 03 21 02 03 02 03 21 03 1 19 23:34:50 00:45:34 23:34:50 00:45:34 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2236.1 104 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1652.73 80.82 12.24245 2018-12- 03 21 O3 03 03 03 21 03 1 19 00:45:35 00:45:37 00:45:34 00:45:37 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2236.1 104 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1652.73 80.82 12.24245 2018-12- 03 21 21 03 1 19 00:45:37 23:15:05 00:45:37 23:15:05 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2236.1 105 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1664.98 80.82 12.24245 2018-12- 04 21 O3 04 03 04 21 04 1 19 23:15:05 02:10:44 23:15:05 02:10:44 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2236.1 105 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1664.98 80.82 12.24245 2018-12- 04 21 O4 04 04 O4 21 04 1 19 02:10:45 02:10:47 02:10:44 02:10:47 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2236.1 105 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1664.98 80.82 12.24245 2018-12- 04 21 21 04 1 19 02:10:47 23:31 :48 02:10:47 23:31 :48 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2236.1 106 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1677.22 80.82 12.24245 2018-12- 05 21 O4 05 04 05 21 05 1 19 23:31 :48 02:25:38 23:31 :48 02:25:38 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2236.1 106 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1677.22 80.82 12.24245 2018-12- 05 21 21 05 1 19 02:25:38 02:25:40 02:25:38 02:25:40 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2236.1 106 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1677.22 80.82 12.24245 2018-12- 05 21 05 06 05 06 21 05 1 19 02:25:41 02:46:11 02:25:40 02:46:11 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2236.1 107 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1689.46 80.82 12.24245 2018-12- 06 21 21 06 1 19 02:46:11 09:58:09 02:46:11 09:58:09 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2236.1 107 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1689.46 80.82 12.24245 2018-12- 06 21 21 06 1 19 09:58:09 09:58:11 09:58:09 09:58:11 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2236.1 107 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1689.46 80.82 12.24245 2018-12- 06 21 21 06 1 19 09:58:11 00:23:20 09:58:11 00:23:20 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 108 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1701.7 107.76 12.24245 2018-12- 07 21 O7 07 07 07 21 07 1 19 00:23:21 01 :55207 00:23:20 01 255:07 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 108 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1701.7 107.76 12.24245 2018-12- 07 21 O7 07 07 O7 21 07 1 19 01:55:07 01:55:09 01:55:07 01:55:09 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 108 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1701.7 107.76 12.24245 2018-12- 07 21 21 07 1 19 01:55:10 23:29:55 01:55:09 23:29:55 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 109 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1713.95 107.76 12.24245 2018-12- 08 21 O7 08 07 08 21 08 1 19 23:29:55 03:41 :59 23:29:55 03:41 :59 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 109 538.82 21 2023-02- 2018-1 2- 2018-12- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1713.95 107.76 12.24245 2018-12- 08 21 21 08 1 19 03:41 :59 03:42:02 03:41 :59 03:42:02 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 109 538.82 21 2023-02- 2018-1 2- 2018-12- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1713.95 107.76 12.24245 2018-12- 08 21 08 08 08 08 21 08 1 19 03:42:02 23:33:29 03:42:02 23:33:29 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 110 538.82 21 2023-02- 2018-1 2- 2018-12- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1726.19 107.76 12.24245 2018-12- 09 21 O8 09 08 09 21 09 1 19 23:33:29 01 :46:31 23:33:29 01 :46:31 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 110 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1726.19 107.76 12.24245 2018-12- 09 21 09 09 09 09 21 09 1 19 O1 :46:32 01 :46:34 01 :46:31 01 :46:34 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 110 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1726.19 107.76 12.24245 2018-12- 09 21 21 09 1 19 O1 :46:34 23:51 :31 01 :46:34 23:51 :31 RAOUL REDAJA ARCE I 6763 2018-12- 0.2599 2263.04 111 538.82 21 2023-02- 201 8-1 2- 201 8-1 2- 201 8-12- 2018-12- 201 8-08- 538.82 201 8-1 2- 17193.13 1738.43 107.76 12.24245 201 8-1 2- 10 21 09 10 09 10 21 1O 1 19 23:51 :32 05:18:59 23:51 :31 05:18:59 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 111 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1738.43 107.76 12.24245 2018-12- 10 21 21 1O 1 19 05:19:00 05:19:03 05:18:59 05:19:03 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 111 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1738.43 107.76 12.24245 2018-12- 10 21 1 1 1 1 21 1O 1 19 05:19:03 23:48:07 05:19:03 23:48:07 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 112 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1750.67 107.76 12.24245 2018-12- 11 21 21 11 1 19 23:48:07 01 :00:11 23:48:07 O1 :00:11 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 112 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1750.67 107.76 12.24245 2018-12- 11 21 11 11 11 11 21 11 1 19 01:00:12 01:00:14 01:00:11 01:00:14 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 112 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1750.67 107.76 12.24245 2018-12- 11 21 11 11 11 11 21 11 1 19 O1 :00:14 23:16:23 01:00:14 23:16:23 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 113 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1762.92 107.76 12.24245 2018-12- 12 21 21 12 1 19 23:16:23 03:58:56 23:16:23 03:58:56 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 113 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1762.92 107.76 12.24245 2018-12- 12 21 12 12 12 12 21 12 1 19 03:58:56 03:58:58 03:58:56 03:58:58 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 113 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1762.92 107.76 12.24245 2018-12- 12 21 21 12 1 19 03:58:58 00:21 :44 03:58:58 00:21 :44 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 114 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1775.16 107.76 12.24245 2018-12- 13 21 13 13 13 13 21 13 1 19 00:21 :45 04:16:27 00:21 :44 04:16:27 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 114 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1775.16 107.76 12.24245 2018-12- 13 21 13 13 13 13 21 13 1 19 04:16:27 04:16:30 04:16:27 04:16:30 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 114 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1775.16 107.76 12.24245 2018-12- 13 21 13 14 13 14 21 13 1 19 04:16:30 00:44:46 04:16:30 00:44:46 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 115 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1787.4 107.76 12.24245 2018-12- 14 21 21 14 1 19 00:44:46 02:23:33 00:44:46 02:23:33 RAOUL REDAJA ARCE I 6763 2018-12- 0.2599 2263.04 115 538.82 21 2023-02- 201 8-1 2- 201 8-1 2- 201 8-12- 2018-12- 201 8-08- 538.82 201 8-1 2- 17193.13 1787.4 107.76 12.24245 201 8-1 2- 14 21 14 14 14 14 21 14 1 19 02:23:34 02:23:36 02:23:33 02:23:36 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 115 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1787.4 107.76 12.24245 2018-12- 14 21 14 15 14 15 21 14 1 19 02:23:37 00:43:41 02:23:36 00:43:41 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 116 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1799.64 107.76 12.24245 2018-12- 15 21 5 5 5 5 21 15 1 19 00:43:41 01 :29252 00:43:41 01 229:52 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 116 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1799.64 107.76 12.24245 2018-12- 15 21 15 15 15 15 21 15 1 19 O1 29:52 01 29:54 01 29:52 01 29:54 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 116 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1799.64 107.76 12.24245 2018-12- 15 21 21 15 1 19 O1 :29254 23:56:10 01 :29:54 23:56:10 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 117 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1811.89 107.76 12.24245 2018-12- 16 21 15 16 15 16 21 16 1 19 23:56:10 01 28:30 23:56:10 O1 28:30 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 117 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1811.89 107.76 12.24245 2018-12- 16 21 21 16 1 19 01 28:30 01 28:34 01 28:30 01 :28:34 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 117 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1811.89 107.76 12.24245 2018-12- 16 21 1 17 1 17 21 16 1 19 O1 :28:34 00:53:20 01 :28:34 00:53:20 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 118 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1824.13 107.76 12.24245 2018-12- 17 21 21 17 1 19 00:53:20 07:37:36 00:53:20 07:37:36 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 118 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1824.13 107.76 12.24245 2018-12- 17 21 17 17 17 17 21 17 1 19 07:37:37 07:37:40 07:37:36 07:37:40 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 118 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1824.13 107.76 12.24245 2018-12- 17 21 17 17 17 17 21 17 1 19 07:37:40 23:04:16 07:37:40 23:04:16 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 119 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1836.37 107.76 12.24245 2018-12- 18 21 21 18 1 19 23:04:16 02:46:55 23:04:16 02:46:55 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 119 538.82 21 2023-02- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1836.37 107.76 12.24245 2018-12- 18 21 18 18 18 18 21 18 1 19 02:46:56 02:47:00 02:46:55 02:47:00 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 119 538.82 21 2023-02- 2018-1 2- 2018-12- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1836.37 107.76 12.24245 2018-12- 18 21 21 18 1 19 02:47:01 23:28:38 02:47:00 23:28:38 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 120 538.82 21 2023-02- 2018-1 2- 2018-12- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1848.61 107.76 12.24245 2018-12- 19 21 18 19 18 19 21 19 1 19 23:28:38 03:07:56 23:28:38 03:07:56 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 120 538.82 21 2023-02- 2018-1 2- 2018-12- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1848.61 107.76 12.24245 2018-12- 19 21 19 19 19 19 21 19 1 19 03:07:56 03:07:59 03:07:56 03:07:59 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 120 538.82 21 2023-02- 2018-12- 2018-12- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1848.61 107.76 12.24245 2018-12- 19 21 19 19 19 19 21 19 1 19 03:07:59 19:06:22 03:07:59 19:06:22 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 2263.04 120 538.82 21 2023-02- 2018-12- 2018-12- 2018-12- 2018-12- 2018-08- 538.82 2018-12- 17193.13 1860.86 107.76 12.24245 2018-12- 19 21 21 19 1 19 19:06:22 19:08:02 19:06:22 19:08:02 RAOUL REDAJA ARCE .6763 2018-12- 0.2599 19161.75 120 538.82 21 2023-02- 2018-12- 2018-12- 2018-12- 2018-12- 2018-08- 195.29 2018-12- 17193.13 1860.86 107.76 12.24245 2018-12- 19 21 19 20 19 20 21 19 1 19 19:08:02 00:58:23 19:08:02 00:58:23 KOOONQUILWNu-t NNNNNNNNNHHh-b-Hb-b-h-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO Electrunically Christopher D Mandarich SB 220693 ”5””“mfl'hfim‘”? ““5“” “m” Ajay Sood 33325294 '3'” 4/26/2021 Hayk Stambultsyan SB320973 By iii Ianfihll gain]: Amber Swearingen-Ojuri SB324653 ”HM? MANDARICH LAW GROUP, LLP P.O. BOX 109032 Chicago, IL 60610 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintifl: VELOCITYINVESTMENTS, LLC SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED VELOCITY INVESTMENTS, LLC, Case No. 21 'CLJ'02401 Plaintiff, VS FILE BY FAX COMPLAINT FOR: 1. BREACH OF CONTRACT ARVIN AUMENTADO, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant DEMAND: $18,374.66 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1. Plaintiff is and at all times herein mentioned, VELOCITY INVESTMENTS, LLC, and successor in interest to original creditor, WebBank. 2. Plaintiff is the only entity that purchased the debt after charge-off and its name and address is as follows: VELOCITY INVESTMENTS, LLC; 1800 Route 34N Suite 404A , Wall NJ 077 1 9. 3. Plaintiff is a debt buyer, and is the sole owner of the debt at issue. 4. The charge-off creditor at the time ofcharge-off is Prosper, 221 MAIN STREET THIRD FLOOR, SAN FRANCISCO, CA 94105, and the account number associated With this debt is XX1675. 5. Plaintiff is informed and believes that Defendant are individuals who currently reside within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the proper Court for trial of this action. COMPLAINTW Exhibit "32" KOOONONUILWNr-t NNNNNNNNNHh-h-b-Hb-h-th-HH OOVQKJIJ>UJN~OKOOOQONM$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 ARVIN AUMENTADO , 4940 SOUTH WENDLER DRIVE 101, TEMPE, AZ 85282. 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 XXI 675 (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 July 15, 2018. 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 0n the Account. 15. The debt balance at charge-off was $18,374.66, 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 $18,374.66. 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 8,3 74.66. 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 8,374.66 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 $18,374.66, 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: 04/16/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-5 0f 5 Qflx/M X]Christopher D. Mandarich, Esq. Attorneysfor Plaintzfi” EXHIBIT A Borrower Promissory Note PR0S PE R Promissory Note Loan ID:I 1675 Borrower Address: Arvin Aumentado, 136 Escanyo Drive South San Francisco, CA 94080. 1. Promise to Pay. In return for a loan I have received, Ipromise to pay WebBank ("you") the principal sum 0f eighteen thousand dollars ($1 8,000.00), together With interest thereon commencing on the date 0f origination at the rate of twenty-three point nine nine percent (23.99%) per annum simple interest. I understand that references in this Promissory Note ("Note") t0 you shall also include any person t0 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 $706. 10 each, consisting 0f principal and interest, commencing 0n the 15th day 0f April 201 8, and continuing until the final payment of $736.65 0n March 15 2021, which is the maturity date 0f this Note. Because 0f the daily accrual of interest 0n my loan and the effect 0f rounding, my final payment may be more 0r less than my regular payment. My final payment shall consist 0f the then remaining principal, unpaid accrued interest and other charges due under this Note. A11 payments will be applied first t0 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, if I am delinquent, the application ofmy payments may change. N0 unpaid interest, fees or charges Will be added to principal. I further acknowledge that, if I 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 final payment amount. 3. Interest. Interest will be charged on unpaid principal until the fiJll amount of principal has been paid. Interest under this Note will accrue daily, on the basis of a 365-day year. The interest rate I 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, Iwill pay you a late charge of the greater of $15 0r 5.00% 0f the unpaid portion of the monthly payment. I will pay this late charge when it is assessed but only once 0n each late payment. 5. Claims and Defenses; Waiver of Defenses; Exception t0 Waiver. Except as otherwise provided in this Note, you are not responsible 0r liable to me for the quality, safety, legality, or any other aspect of any property or services purchased With the proceeds ofmy loan. If I have a dispute with any person from whom I have purchased such property 0r services, I agree t0 settle the dispute directly With that person. If and only if the proceeds 0fmy loan Will be applied in whole 0r part t0 purchase property or services from a person or entity that has entered into a contractual relationship with you or Prosper related to financing of such property or services, the following 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 OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 6. Certification. I 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 defined 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 I 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 1-866-615-6319. I will make all checks payable to Prosper Funding LLC and send them to Prosper Marketplace, Inc., P.O. Box 396081, San Francisco, CA 94139-6081 in a manner so as to ensure that it is received with sufficient time to process prior to my scheduled payment due date. To ensure efficient 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 I owe are paid when due, even if not debited from my account. If I 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) business days prior to any such closure, change or inaccessibility of my account, and authorize you to withdraw my payments, or I will provide a check, from another account that I designate. With regard to payments made by automatic withdrawals from my account, I 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. I 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 I fail to make any payment when due in the manner required by Paragraph 7, I will be delinquent. If I (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 will use reasonable efforts to provide prior notice of acceleration. 9. Prepayments. I may prepay this Note in full or in part at any time without penalty. I 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"). I hereby waive presentment, notice of dishonor and protest. Even if, at a time when I 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 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, ifyou waive any right under this Note on one occasion, that waiver will not operate as a waiver as to any other occasion. 11. Insufficient Funds Charge. If I attempt t0 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 0r inaccessibility ofmy account without my having notified you as provided in Paragraph 7, or (iii) for any other reason (other than an error by you), IWill pay you an additional fee 0f $15.00 for each returned 0r failed automated withdrawal 0r other item, unless prohibited by applicable law. I Will pay this fee when it is assessed. 12. Attorneys' Fees. To the extent permitted by law, I am liable to you for your legal costs if you refer collection 0fmy loan t0 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 t0 my loan and sets maximum loan charges is finally interpreted so that the interest 0r 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 t0 the permitted limit; and (b) any sums already collected from me that exceeded permitted limits will be refimded t0 me. You may choose t0 make this refimd by reducing the principal I owe under this Note or by making a direct payment to me. 14. Assignment. I may not assign any ofmy 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 t0 all 0fmy heirs and permitted assigns. Your rights under this Note apply t0 each 0f your successors and assigns. 15. Notices. A11 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 0r by facsimile, email or other electronic transmission, 0r (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 t0 me may be addressed to my registered email address 0r to my address set forth above unless I 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@prosper.com 0r c/o Prosper Marketplace, Inc., 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 0f the State 0f Utah. 17. Miscellaneous. No provision 0f 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 0f this Note. 18. Arbitration. RESOLUTION OF DISPUTES: 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 (i) BELOW. (a) In this Resolution of Disputes provision: (i) "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 (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 I 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 . If I file a claim, Iplace on an individual basis; class arbitrations and class actions are not permitted 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). I 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, Inc., 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, I will not be required to reimburse you for any fees you have previously paid to the administrator or for which you are responsible. If I 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 will 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 I 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 I agree otherwise in writing, the arbitrator may not consolidate more than one person's claims. The arbitrator shall have no power t0 arbitrate any Claims 0n a class action basis 0r Claims brought in a purported representative capacity 0n behalf 0f the general public, other borrowers, 0r 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 0f this Section 18 is deemed invalid 0r unenforceable for any reason, it shall not invalidate the remaining portions 0f this section. However, if paragraph (f) 0f this Section 18 is deemed invalid 0r 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 I AGREE THAT, BY ENTERING INTO THIS NOTE, THE PARTIES ARE EACH WAIVING THE RIGHT T0 A TRIAL BY JURY 0R T0 PARTICIPATE 1N A CLASS ACTION. YOU AND I ACKNOWLEDGE THAT ARBITRATION WILL LIMIT OUR LEGAL RIGHTS, INCLUDING THE RIGHT T0 PARTICIPATE IN A CLASS ACTION, THE RIGHT T0 A JURY TRIAL, THE RIGHT T0 CONDUCT FULL DISCOVERY, AND THE RIGHT T0 APPEAL (EXCEPT As PERMITTED 1N PARAGRAPH (e) 0R UNDER THE FEDERAL ARBITRATION ACT) (i) I understand that I may rej ect the provisions of this Section 18, in which case neither you nor I will have the right to elect arbitration. Rejection 0f this Section 18 Will not affect the remaining parts of this Note. T0 rej ect this Section 18, I must send you written notice ofmy rejection within 3O days after the date that this Note was made. I must include my name, address, and account number. The notice of rejection must be mailed to WebBank, c/o Prosper Marketplace, Inc., 221 Main Street, San Francisco, CA 94105, Attention: Legal Department. This is the only way that I can rej ect this Section 18. (j) You and I acknowledge and agree that the arbitration agreement set forth in this Section 18 is made pursuant t0 a transaction involving interstate commerce, and thus the Federal Arbitration Act shall govern the interpretation and enforcement 0f this Section 18. This Section 18 shall survive the termination 0f this Note and the repayment of any 0r all amounts borrowed thereunder. (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 0f Note Owners. I 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 0f interests in this Note (the "Note Owners"). The person 0r persons identified as the Note Owners in the Register shall be deemed to be the owner(s) 0f this Note for purposes of receiving payment 0f principal and interest 0n 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 t0 payment of principal and interest 0n 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, I am hereby notified that a negative credit report reflecting on my credit record may be submitted to a credit reporting agency if I fail to fulfill the terms ofmy 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 ofunearned charges in accordance with law. IMPORTANT: READ BEFORE SIGNING. The terms 0f this agreement should be read carefully because only those terms in writing are enforceable. N0 other terms 0r oral promises not contained in this written contract may be legally enforced. I may change the terms 0f this agreement only by another written agreement. Kansas Residents NOTICE TO CONSUMER: 1. D0 not sign this agreement before you read it. 2. You are entitled t0 a copy 0f this agreement. 3. You may prepay the unpaid balance at any time without penalty. Missouri Residents Oral or unexecuted agreements 0r commitments t0 loan money, extend credit 0r t0 forbear from enforcing repayment of a debt including promises t0 extend 0r renew such debt are not enforceable. T0 protect me (b0rr0wer(s)) and you (creditor) from misunderstanding 01' disappointment, any agreements we reach covering such matters are contained in this writing, which is the complete and exclusive statement 0f the agreement between us, except as we may later agree in writing t0 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 0r disappointments, any contract, promise, undertaking, or offer to forebear repayment 0fmoney 0r t0 make any other financial accommodation in connection With this loan 0f money 0r grant 0r extension of credit, or any amendment 0f, cancellation of, waiver of, 0r substitution for any or all 0f the terms 0r provisions 0f any instrument 0r document executed in connection with this loan of money 0r grant 0r extension 0f credit, must be in writing t0 be effective. New Jersey Residents Because certain provisions 0f this Note are subj ect t0 applicable laws, they may be void, unenforceable 0r inapplicable in some jurisdictions. None 0f these provisions, however, is void, unenforceable 0r 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 0n each individual upon request. The Ohio civil rights commission administers compliance with this law. Utah Residents As required by Utah law, I am hereby notified that a negative credit report reflecting on my credit record may be submitted to a credit reporting agency if I fail to fulfill the terms ofmy credit obligations. This Note is the final expression of the agreement between the parties and may not be contradicted by evidence 0f any alleged oral agreement. Washington Residents: For primarily non-consumer purpose loans: Oral agreements 0r oral commitments t0 loan money, extend credit or t0 forbear from enforcing repayment of a debt are not enforceable under Washington law. Wisconsin Residents N0 provision 0f a marital property agreement, a unilateral statement 0r 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 0r decree or has actual knowledge 0f the adverse provision when the obligation t0 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 0n the protections provided t0 covered borrowers as defined in the Military Lending Act. (a) Statement 0fMAPR. Federal law provides important protections t0 members 0f the Armed Forces and their dependents relating t0 extensions of consumer credit. In general, the cost of consumer credit to a member 0f the Armed Forces and his or her dependent may not exceed an annual percentage rate 0f 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 t0, 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 t0 obtain oral disclosures, including the statement 0fMAPR and the payment schedule applicable to your loan, required under the Military Lending Act. 23.By signing this Note, I acknowledge that I (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 0f 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: March 15 2018 By: Prosper Marketplace, Inc. Attorney-in-Fact for: Arvin Aumentado [Borrower] (Signed Electronically) Last Updated: August 20 1 7 Copyright © 2005-2020 Prosper Marketplace, Inc. A11 rights reserved. EXHIBIT B firstname lastname middlena LoanlD Accountl Borrower AmountP DPD Schedule Payment Expected CreatedD Modified Modified VersionSt VersionE Versionv NextPay NextPay BalDate PrinBal lntBal LateFeeB NSFFeeB lntBalDail Servicing Settleme LoanExte LoanExte charge_o me nformatio Statedlnt astDue dMontth DayOfMo MaturityD ate Date User artDate ndDate alidBit mentDue mentDue al al yAccrual ParentTr ntStatusl nsionStat nsionTer ff_Date nDate erestRate Payment nthDue ate Date Amount ansaction D ule m Amount Arvin Aumenta I 1675 2018-03- 0.2399 0 0 706.1 15 2021 -03- 201 8-03- 201 8-03- 201 8-03- 2018-03- 1 201 8-04- 706.1 201 8-03- 18000 0 O 0 0 201 8-1 2- do 14 15 14 14 14 14 15 15 13 14:15:31 14:15:32 14:15:31 14:15:32 Arvin Aumenta I 1675 2018-03- 0.2399 O 0 706.1 15 2021 -03- 201 8-03- 201 8-03- 201 8-03- 2018-03- 1 201 8-04- 0 201 8-03- 18000 O O 0 11.83068 0 O 201 8-1 2- do 14 15 14 15 14 15 15 15 5 13 14:15:32 06:00:13 14:15:32 06:00:13 Arvin Aumenta I 1675 2018-03- 0.2399 O 0 706.1 15 2021 -03- 201 8-03- 201 8-04- 201 8-03- 201 8-04- 1 201 8-04- 706.1 201 8-03- 18000 O O 0 11.83068 O O 201 8-1 2- do 15 15 15 15 5 13 06:00:13 23:50:29 06:00:13 23:50:29 Arvin Aumenta I 1675 2018-04- 0.2399 0 0 706.1 15 2021 -O3- 201 8-04- 201 8-04- 201 8-04- 201 8-04- 1 201 8-04- 0 201 8-04- 17660.65 O O 0 11.60764 0 O 201 8-1 2- do 15 15 14 19 14 19 15 15 4 13 23:50:29 03:10:34 23:50:29 03:10:34 Arvin Aumenta I 1675 2018-04- 0.2399 O 0 706.1 15 2021 -03- 201 8-04- 201 8-05- 201 8-04- 201 8-05- 1 201 8-05- 706.1 201 8-04- 17660.65 11.61 O 0 11.60764 0 O 201 8-1 2- do 16 15 15 16 4 13 03:10:34 21:27:15 03:10:34 21:27:15 Arvin Aumenta I 1675 2018-05- 0.2399 0 0 706.1 15 2021 -O3- 201 8-05- 201 8-05- 201 8-05- 2018-05- 1 201 8-05- 0 201 8-05- 17302.78 O O 0 11.37243 O O 201 8-1 2- do 15 15 14 15 14 15 15 15 13 21:27:15 22:55:22 21:27:15 22:55:22 Arvin Aumenta I 1675 2018-05- 0.2399 O 0 706.1 15 2021 -03- 201 8-05- 201 8-05- 201 8-05- 201 8-05- 1 201 8-06- 706.1 201 8-05- 17302.78 11.37 O 0 11.37243 O O 201 8-1 2- do 16 15 15 23 15 23 15 16 13 22:55:22 12:22:40 22:55:22 12:22:40 Arvin Aumenta I 1675 2018-05- 0.2399 0 0 706.1 15 2021 -03- 201 8-05- 201 8-06- 201 8-05- 201 8-06- 1 201 8-06- 706.1 201 8-05- 17302.78 90.98 0 0 11.37243 O O 201 8-1 2- do 23 15 23 14 23 14 15 23 13 12:22:40 17:13:27 12:22:40 17:13:27 Arvin Aumenta I 1675 2018-06- 0.2399 O 0 706.1 15 2021 -03- 201 8-06- 201 8-06- 201 8-06- 201 8-06- 1 201 8-06- 706.1 201 8-06- 17302.78 341 .17 0 0 11.37243 O O 201 8-1 2- do 14 15 15 14 13 17:13:27 20:39:29 17:13:27 20:39:29 Arvin Aumenta I 1675 2018-06- 0.2399 0 0 706.1 15 2021 -03- 201 8-06- 201 8-06- 201 8-06- 2018-06- 1 201 8-06- 0 201 8-06- 16949.23 0 O 0 11.14005 0 O 201 8-1 2- do 15 15 14 15 14 15 15 15 6 13 20:39:29 23:36:34 20:39:29 23:36:34 Arvin Aumenta I 1675 2018-06- 0.2399 O 0 706.1 15 2021 -03- 201 8-06- 201 8-07- 201 8-06- 2018-07- 1 201 8-07- 706.1 201 8-06- 16949.23 11.14 O 0 11.14005 0 O 201 8-1 2- do 16 15 15 14 15 14 15 16 6 13 23:36:34 21:24:07 23:36:34 21:24:07 Arvin Aumenta I 1675 2018-07- 0.2399 O 0 706.1 15 2021 -03- 201 8-07- 201 8-07- 201 8-07- 201 8-07- 1 201 8-07- 0 201 8-07- 16577.33 O O 0 10.89562 O O 201 8-1 2- do 15 15 15 15 13 21:24:07 00:18:33 21:24:07 00:18:33 Arvin Aumenta I 1675 2018-07- 0.2399 0 0 706.1 15 2021 -O3- 201 8-07- 201 8-08- 201 8-07- 201 8-08- 1 201 8-08- 706.1 201 8-07- 16577.33 10.89 O 0 10.89562 0 O 201 8-1 2- do 16 15 16 13 16 13 15 16 13 00:18:33 17:05:42 00:18:33 17:05:42 Arvin Aumenta I 1675 2018-08- 0.2399 O 0 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 1 201 8-08- 706.1 201 8-08- 16577.33 31 5.97 O 0 10.89562 0 O 201 8-1 2- do 13 15 15 13 13 17:05:42 02:21:31 17:05:42 02:21:31 Arvin Aumenta I 1675 2018-08- 0.2399 706.1 1 706.1 15 2021 -O3- 201 8-08- 201 8-08- 201 8-08- 2018-08- 1 201 8-08- 706.1 201 8-08- 16577.33 348.66 O 0 10.89562 O O 201 8-1 2- do 16 15 16 17 16 17 15 16 13 02:21:32 02:12:37 02:21:31 02:12:37 Arvin Aumenta I 1675 2018-08- 0.2399 706.1 2 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 1 201 8-08- 706.1 201 8-08- 16577.33 359.55 O 0 10.89562 O O 201 8-1 2- do 17 15 15 17 13 02:12:37 02:20:13 02:12:37 02:20:13 Arvin Aumenta I 1675 2018-08- 0.2399 706.1 3 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 1 201 8-08- 706.1 201 8-08- 16577.33 370.45 0 0 10.89562 O O 201 8-1 2- do 18 15 1 1 1 1 15 18 13 02:20:13 02:47:54 02:20:13 02:47:54 Arvin Aumenta I 1675 2018-08- 0.2399 706.1 4 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 1 201 8-08- 706.1 201 8-08- 16577.33 381 .34 0 0 10.89562 O O 201 8-1 2- do 19 15 15 19 13 02:47:55 05:17:08 02:47:54 05:17:08 Arvin Aumenta I 1675 2018-08- 0.2399 706.1 4 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 2018-08- 1 201 8-08- 706.1 201 8-08- 16577.33 381 .34 O 0 10.89562 0 O 201 8-1 2- do 19 15 19 19 19 19 15 19 13 05:17:08 05:17:13 05:17:08 05:17:13 Arvin Aumenta I 1675 2018-08- 0.2399 706.1 4 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 2018-08- 1 201 8-08- 706.1 201 8-08- 16577.33 381 .34 O 0 10.89562 0 O 201 8-1 2- do 19 15 19 19 19 19 15 19 13 05:17:14 05:17:19 05:17:13 05:17:19 Arvin Aumenta I 1675 2018-08- 0.2399 706.1 4 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 1 201 8-08- 706.1 201 8-08- 16577.33 381 .34 O 0 10.89562 O O 201 8-1 2- do 19 15 15 19 13 05:17:19 05:51:43 05:17:19 05:51:43 Arvin Aumenta I 1675 2018-08- 0.2399 706.1 5 706.1 15 2021 -O3- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 1 201 8-08- 706.1 201 8-08- 16577.33 392.24 O 0 10.89562 0 O 201 8-1 2- do 20 15 20 20 20 20 15 20 13 05:51:44 10:17:06 05:51:43 10:17:06 Arvin Aumenta I 1675 2018-08- 0.2399 706.1 5 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 1 201 8-08- 706.1 201 8-08- 16577.33 392.24 O 0 10.89562 O O 201 8-1 2- do 20 15 15 20 13 10:17:06 10:17:10 10:17:06 10:17:10 Arvin Aumenta I 1675 2018-08- 0.2399 706.1 5 706.1 15 2021 -O3- 201 8-08- 201 8-08- 201 8-08- 2018-08- 1 201 8-08- 706.1 201 8-08- 16577.33 392.24 O 0 10.89562 O O 201 8-1 2- do 20 15 20 21 20 21 15 20 13 10:17:10 06:20:14 10:17:10 06:20:14 Arvin Aumenta I 1675 2018-08- 0.2399 706.1 6 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 1 201 8-08- 706.1 201 8-08- 16577.33 403.14 O 0 10.89562 O O 201 8-1 2- do 21 15 21 21 21 21 15 21 13 06:20:14 13:32:57 06:20:14 13:32:57 Arvin Aumenta I 1675 2018-08- 0.2399 706.1 6 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 1 201 8-08- 706.1 201 8-08- 16577.33 403.14 0 0 10.89562 O O 201 8-1 2- do 21 15 21 21 21 21 15 21 13 13:32:57 13:33:02 13:32:57 13:33:02 Arvin Aumenta I 1675 2018-08- 0.2399 706.1 6 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 1 201 8-08- 706.1 201 8-08- 16577.33 403.14 0 0 10.89562 O O 201 8-1 2- do 21 15 15 21 13 13:33:02 03:14:22 13:33:02 03:14:22 Arvin Aumenta I 1675 2018-08- 0.2399 706.1 7 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 2018-08- 1 201 8-08- 706.1 201 8-08- 16577.33 414.03 O 0 10.89562 0 O 201 8-1 2- do 22 15 22 22 22 22 15 22 13 03:14:22 08:34:00 03:14:22 08:34:00 Arvin Aumenta I 1675 2018-08- 0.2399 706.1 7 706.1 15 2021 -O3- 201 8-08- 201 8-08- 201 8-08- 2018-08- 1 201 8-08- 706.1 201 8-08- 16577.33 414.03 O 0 10.89562 0 O 201 8-1 2- do 22 15 22 22 22 22 15 22 13 08:34:00 08:34:05 08:34:00 08:34:05 Arvin Aumenta I 1675 2018-08- 0.2399 706.1 7 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 1 201 8-08- 706.1 201 8-08- 16577.33 414.03 O 0 10.89562 O O 201 8-1 2- do 22 15 15 22 13 08:34:05 02:45:58 08:34:05 02:45:58 Arvin Aumenta I 1675 201 8-08- 0.2399 706.1 8 706.1 15 2021 -O3- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 706.1 201 8-08- 16577.33 424.93 O 10.89562 201 8-1 2- do 23 15 23 23 23 23 15 23 13 02:45:58 05:16:19 02:45:58 05:16:19 Arvin Aumenta I 1675 201 8-08- 0.2399 706.1 8 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 706.1 201 8-08- 16577.33 424.93 O 10.89562 201 8-1 2- do 23 15 15 23 13 05:16:19 05:16:24 05:16:19 05:16:24 Arvin Aumenta I 1675 201 8-08- 0.2399 706.1 8 706.1 15 2021 -O3- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 706.1 201 8-08- 16577.33 424.93 O 10.89562 201 8-1 2- do 23 15 23 24 23 24 15 23 13 05:16:24 04:34:20 05:16:24 04:34:20 Arvin Aumenta I 1675 201 8-08- 0.2399 706.1 9 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 706.1 201 8-08- 16577.33 435.82 O 10.89562 201 8-1 2- do 24 15 15 24 13 04:34:20 05:56:38 04:34:20 05:56:38 Arvin Aumenta I 1675 201 8-08- 0.2399 706.1 9 706.1 15 2021 -O3- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 706.1 201 8-08- 16577.33 435.82 O 10.89562 201 8-1 2- do 24 15 24 24 24 24 15 24 13 05:56:38 05:56:43 05:56:38 05:56:43 Arvin Aumenta I 1675 201 8-08- 0.2399 706.1 9 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 706.1 201 8-08- 16577.33 435.82 O 10.89562 201 8-1 2- do 24 15 15 24 13 05:56:44 02:16:37 05:56:43 02:16:37 Arvin Aumenta I 1675 201 8-08- 0.2399 706.1 10 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 706.1 201 8-08- 16577.33 446.72 O 10.89562 201 8-1 2- do 25 15 25 25 25 25 15 25 13 02:16:38 13:03:54 02:16:37 13:03:54 Arvin Aumenta I 1675 201 8-08- 0.2399 706.1 10 706.1 15 2021 -O3- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 706.1 201 8-08- 16577.33 446.72 O 10.89562 201 8-1 2- do 25 15 25 25 25 25 15 25 13 13:03:54 13:03:58 13:03:54 13:03:58 Arvin Aumenta I 1675 201 8-08- 0.2399 706.1 10 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 706.1 201 8-08- 16577.33 446.72 O 10.89562 201 8-1 2- do 25 15 15 25 13 13:03:58 02:23:42 13:03:58 02:23:42 Arvin Aumenta I 1675 201 8-08- 0.2399 706.1 11 706.1 15 2021 -O3- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 706.1 201 8-08- 16577.33 457.61 O 10.89562 201 8-1 2- do 26 15 26 26 26 26 15 26 13 02:23:43 14:21 :51 02:23:42 14:21 :51 Arvin Aumenta I 1675 201 8-08- 0.2399 706.1 11 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 706.1 201 8-08- 16577.33 457.61 O 10.89562 201 8-1 2- do 26 15 15 26 13 14:21:51 14:21:56 14:21:51 14:21:56 Arvin Aumenta I 1675 201 8-08- 0.2399 706.1 11 706.1 15 2021 -O3- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 706.1 201 8-08- 16577.33 457.61 O 10.89562 201 8-1 2- do 26 15 26 27 26 27 15 26 13 14:21 :56 02:36:05 14:21 :56 02:36:05 Arvin Aumenta I 1675 201 8-08- 0.2399 706.1 12 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 706.1 201 8-08- 16577.33 468.51 O 10.89562 201 8-1 2- do 27 15 27 27 27 27 15 27 13 02:36:05 09:24:46 02:36:05 09:24:46 Arvin Aumenta I 1675 201 8-08- 0.2399 706.1 12 706.1 15 2021 -O3- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 706.1 201 8-08- 16577.33 468.51 0 10.89562 201 8-1 2- do 27 15 27 27 27 27 15 27 13 09:24:47 09:24:51 09:24:46 09:24:51 Arvin Aumenta I 1675 201 8-08- 0.2399 706.1 12 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 706.1 201 8-08- 16577.33 468.51 O 10.89562 201 8-1 2- do 27 15 15 27 13 09:24:51 02:27:12 09:24:51 02:27:12 Arvin Aumenta I 1675 201 8-08- 0.2399 706.1 13 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 706.1 201 8-08- 16577.33 479.4 O 10.89562 201 8-1 2- do 28 15 28 28 28 28 15 28 13 02:27:12 07:15:38 02:27:12 07:15:38 Arvin Aumenta I 1675 201 8-08- 0.2399 706.1 13 706.1 15 2021 -O3- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 706.1 201 8-08- 16577.33 479.4 O 10.89562 201 8-1 2- do 28 15 28 28 28 28 15 28 13 07:15:38 07:15:42 07:15:38 07:15:42 Arvin Aumenta I 1675 201 8-08- 0.2399 706.1 13 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 706.1 201 8-08- 16577.33 479.4 O 10.89562 201 8-1 2- do 28 15 15 28 13 07:15:42 00:24:06 07:15:42 00:24:06 Arvin Aumenta I 1675 201 8-08- 0.2399 706.1 14 706.1 15 2021 -O3- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 706.1 201 8-08- 16577.33 490.3 O 10.89562 201 8-1 2- do 29 15 29 29 29 29 15 29 13 00:24:07 04:55:55 00:24:06 04:55:55 Arvin Aumenta I 1675 201 8-08- 0.2399 706.1 14 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 706.1 201 8-08- 16577.33 490.3 O 10.89562 201 8-1 2- do 29 15 15 29 13 04:55:55 04:55:59 04:55:55 04:55:59 Arvin Aumenta I 1675 201 8-08- 0.2399 706.1 14 706.1 15 2021 -O3- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 706.1 201 8-08- 16577.33 490.3 O 10.89562 201 8-1 2- do 29 15 29 30 29 30 15 29 13 04:55:59 04:25:34 04:55:59 04:25:34 Arvin Aumenta I 1675 201 8-08- 0.2399 706.1 15 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 706.1 201 8-08- 16577.33 501 .2 O 10.89562 201 8-1 2- do 30 15 15 30 13 04:25:35 05:45:24 04:25:34 05:45:24 Arvin Aumenta I 1675 201 8-08- 0.2399 706.1 15 706.1 15 2021 -O3- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 706.1 201 8-08- 16577.33 501 .2 0 10.89562 201 8-1 2- do 30 15 15 3O 13 05:45:25 05:45:29 05:45:24 05:45:29 Arvin Aumenta I 1675 201 8-08- 0.2399 706.1 15 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 706.1 201 8-08- 16577.33 501 .2 O 10.89562 201 8-1 2- do 30 15 15 30 13 05:45:30 02:57:07 05:45:29 02:57:07 Arvin Aumenta I 1675 201 8-08- 0.2399 741 .4 16 706.1 15 2021 -03- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 706.1 201 8-08- 16577.33 51 2.09 35.3 10.89562 201 8-1 2- do 31 15 31 31 31 31 15 31 13 02:57:07 14:27:22 02:57:07 14:27:22 Arvin Aumenta I 1675 201 8-08- 0.2399 741 .4 16 706.1 15 2021 -O3- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 201 8-08- 706.1 201 8-08- 16577.33 51 2.09 35.3 10.89562 201 8-1 2- do 31 15 31 31 31 31 15 31 13 14:27:23 14:27:26 14:27:22 14:27:26 Arvin Aumenta I 1675 201 8-08- 0.2399 741 .4 16 706.1 15 2021 -03- 201 8-08- 201 8-09- 201 8-08- 201 8-09- 201 8-08- 706.1 201 8-08- 16577.33 51 2.09 35.3 10.89562 201 8-1 2- do 31 15 15 31 13 14:27:26 00:41 :51 14:27:26 00:41 :51 Arvin Aumenta I 1675 201 8-09- 0.2399 741 .4 17 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 522.99 35.3 10.89562 201 8-1 2- do 01 15 O1 01 01 01 15 01 13 00:41 :52 09:43:46 00:41 :51 09:43:46 Arvin Aumenta I 1675 201 8-09- 0.2399 741 .4 17 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 522.99 35.3 10.89562 201 8-1 2- do O1 15 15 01 13 09:43:46 09:43:51 09:43:46 09:43:51 Arvin Aumenta I 1675 201 8-09- 0.2399 741 .4 17 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 522.99 35.3 10.89562 201 8-1 2- do 01 15 O1 02 01 02 15 01 13 09:43:51 01 :57:41 09:43:51 01 :57:41 Arvin Aumenta I 1675 201 8-09- 0.2399 741 .4 18 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 533.88 35.3 10.89562 201 8-1 2- do 02 15 02 02 02 02 15 02 13 01 :57:42 09:27:05 01 :57:41 09:27:05 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 18 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 533.88 35.3 10.89562 201 8-1 2- do 02 15 02 02 02 02 15 02 13 09:27:05 09:27:10 09:27:05 09:27:10 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 18 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 533.88 35.3 10.89562 201 8-1 2- do 02 15 15 02 13 09:27:10 04:02:24 09:27:10 04:02:24 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 19 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 2018-09- 201 8-08- 706.1 201 8-09- 16577.33 544.78 35.3 10.89562 201 8-1 2- do 03 15 O3 03 03 03 15 03 13 04:02:24 07:19:16 04:02:24 07:19:16 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 19 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 544.78 35.3 10.89562 201 8-1 2- do 03 15 15 03 13 07:19:17 07:19:21 07:19:16 07:19:21 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 19 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 544.78 35.3 10.89562 201 8-1 2- do 03 15 4 4 15 03 13 07:19:21 02:03:33 07:19:21 02:03:33 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 20 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 555.67 35.3 10.89562 201 8-1 2- do 04 15 15 04 13 02:03:34 09:38:34 02:03:33 09:38:34 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 20 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 2018-09- 201 8-08- 706.1 201 8-09- 16577.33 555.67 35.3 10.89562 201 8-1 2- do 04 15 O4 04 04 04 15 04 13 09:38:35 09:38:39 09:38:34 09:38:39 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 20 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 2018-09- 201 8-08- 706.1 201 8-09- 16577.33 555.67 35.3 10.89562 201 8-1 2- do 04 15 O4 05 04 05 15 04 13 09:38:39 04:16:27 09:38:39 04:16:27 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 21 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 566.57 35.3 10.89562 201 8-1 2- do 05 15 15 05 13 04:16:27 12:18:23 04:16:27 12:18:23 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 21 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 566.57 35.3 10.89562 201 8-1 2- do 05 15 05 05 05 05 15 05 13 12:18:24 12:18:28 12:18:23 12:18:28 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 21 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 566.57 35.3 10.89562 201 8-1 2- do 05 15 15 05 13 12:18:28 04:10:44 12:18:28 04:10:44 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 22 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 2018-09- 201 8-08- 706.1 201 8-09- 16577.33 577.47 35.3 10.89562 201 8-1 2- do 06 15 06 06 06 06 15 06 13 04:10:44 09:19:51 04:10:44 09:19:51 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 22 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 577.47 35.3 10.89562 201 8-1 2- do 06 15 06 06 06 06 15 06 13 09:19:51 09:19:55 09:19:51 09:19:55 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 22 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 577.47 35.3 10.89562 201 8-1 2- do 06 15 O6 07 06 07 15 06 13 09:19:55 06:15:55 09:19:55 06:15:55 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 23 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 588.36 35.3 10.89562 201 8-1 2- do 07 15 15 07 13 06:15:56 13:29:50 06:15:55 13:29:50 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 23 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 2018-09- 201 8-08- 706.1 201 8-09- 16577.33 588.36 35.3 10.89562 201 8-1 2- do 07 15 O7 07 07 07 15 07 13 13:29:50 13:29:54 13:29:50 13:29:54 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 23 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 2018-09- 201 8-08- 706.1 201 8-09- 16577.33 588.36 35.3 10.89562 201 8-1 2- do 07 15 O7 08 07 08 15 07 13 13:29:55 04:33:45 13:29:54 04:33:45 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 24 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 599.26 35.3 10.89562 201 8-1 2- do 08 15 15 08 13 04:33:46 14:10:33 04:33:45 14:10:33 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 24 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 599.26 35.3 10.89562 201 8-1 2- do 08 15 08 08 08 08 15 08 13 14:10:33 14:10:38 14:10:33 14:10:38 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 24 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 599.26 35.3 10.89562 201 8-1 2- do 08 15 15 08 13 14:10:38 04:44:57 14:10:38 04:44:57 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 25 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 2018-09- 201 8-08- 706.1 201 8-09- 16577.33 61 0.15 35.3 10.89562 201 8-1 2- do 09 15 09 09 09 09 15 09 13 04:44:57 14:39:31 04:44:57 14:39:31 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 25 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 61 0.15 35.3 10.89562 201 8-1 2- do 09 15 15 09 13 14:39:32 14:39:36 14:39:31 14:39:36 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 25 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 61 0.15 35.3 10.89562 201 8-1 2- do 09 15 1 1 15 09 13 14:39:36 01:55:57 14:39:36 01:55:57 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 26 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 621 .05 35.3 10.89562 201 8-1 2- do 10 15 15 10 13 O1 :55:58 12:53:05 01 :55:57 12:53:05 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 26 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 2018-09- 201 8-08- 706.1 201 8-09- 16577.33 621 .05 35.3 10.89562 201 8-1 2- do 10 15 10 10 1O 10 15 1O 13 12:53:05 12:53:10 12:53:05 12:53:10 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 26 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 2018-09- 201 8-08- 706.1 201 8-09- 16577.33 621 .05 35.3 10.89562 201 8-1 2- do 1O 15 10 11 1O 11 15 1O 13 12:53:10 04:19:27 12:53:10 04:19:27 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 27 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 631 .94 35.3 10.89562 201 8-1 2- do 11 15 15 11 13 04:19:27 13:12:43 04:19:27 13:12:43 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 27 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 631 .94 35.3 10.89562 201 8-1 2- do 11 15 11 11 11 11 15 11 13 13:12:44 13:12:49 13:12:43 13:12:49 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 27 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 631 .94 35.3 10.89562 201 8-1 2- do 11 15 15 11 13 13:12:49 05:19:20 13:12:49 05:19:20 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 28 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 2018-09- 201 8-08- 706.1 201 8-09- 16577.33 642.84 35.3 10.89562 201 8-1 2- do 12 15 12 12 12 12 15 12 13 05:19:20 15:58:30 05:19:20 15:58:30 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 28 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 642.84 35.3 10.89562 201 8-1 2- do 12 15 12 12 12 12 15 12 13 15:58:30 15:58:35 15:58:30 15:58:35 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 28 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 642.84 35.3 10.89562 201 8-1 2- do 12 15 12 13 12 13 15 12 13 15:58:35 03:27:39 15:58:35 03:27:39 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 29 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 653.73 35.3 10.89562 201 8-1 2- do 13 15 15 13 13 03:27:40 12:29:39 03:27:39 12:29:39 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 29 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 2018-09- 201 8-08- 706.1 201 8-09- 16577.33 653.73 35.3 10.89562 201 8-1 2- do 13 15 13 13 13 13 15 13 13 12:29:39 12:29:45 12:29:39 12:29:45 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 29 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 653.73 35.3 10.89562 201 8-1 2- do 13 15 15 13 13 12:29:45 04:40:11 12:29:45 04:40:11 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 30 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 664.63 35.3 10.89562 201 8-1 2- do 14 15 14 14 14 14 15 14 13 04:40:11 17:16:55 04:40:11 17:16:55 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 30 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 664.63 35.3 10.89562 201 8-1 2- do 14 15 15 14 13 17:16:55 17:16:58 17:16:55 17:16:58 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 30 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 2018-09- 201 8-08- 706.1 201 8-09- 16577.33 664.63 35.3 10.89562 201 8-1 2- do 14 15 14 15 14 15 15 14 13 17:16:58 00:52:35 17:16:58 00:52:35 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 31 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 2018-09- 201 8-08- 706.1 201 8-09- 16577.33 675.53 35.3 10.89562 201 8-1 2- do 15 15 15 15 15 15 15 15 13 00:52:35 07:23:40 00:52:35 07:23:40 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 31 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 675.53 35.3 10.89562 201 8-1 2- do 15 15 15 15 13 07:23:41 07:23:43 07:23:40 07:23:43 Arvin Aumenta I 1675 2018-09- 0.2399 741 .4 31 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 675.53 35.3 10.89562 201 8-1 2- do 15 15 15 16 15 16 15 15 13 07:23:43 02:08:45 07:23:43 02:08:45 Arvin Aumenta I 1675 2018-09- 0.2399 1447.5 32 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 686.42 35.3 10.89562 201 8-1 2- do 16 15 15 16 13 02:08:45 06:39:32 02:08:45 06:39:32 Arvin Aumenta I 1675 2018-09- 0.2399 1447.5 32 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 2018-09- 201 8-08- 706.1 201 8-09- 16577.33 686.42 35.3 10.89562 201 8-1 2- do 16 15 16 16 16 16 15 16 13 06:39:32 06:39:36 06:39:32 06:39:36 Arvin Aumenta I 1675 2018-09- 0.2399 1447.5 32 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 686.42 35.3 10.89562 201 8-1 2- do 16 15 16 17 16 17 15 16 13 06:39:36 01 25:52 06:39:36 01 :25:52 Arvin Aumenta I 1675 2018-09- 0.2399 1447.5 33 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 697.32 35.3 10.89562 201 8-1 2- do 17 15 17 17 17 17 15 17 13 01:25:53 10:32:03 01:25:52 10:32:03 Arvin Aumenta I 1675 2018-09- 0.2399 1447.5 33 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 697.32 35.3 10.89562 201 8-1 2- do 17 15 15 17 13 10:32:03 10:32:05 10:32:03 10:32:05 Arvin Aumenta I 1675 2018-09- 0.2399 1447.5 33 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 2018-09- 201 8-08- 706.1 201 8-09- 16577.33 697.32 35.3 10.89562 201 8-1 2- do 17 15 17 17 17 17 15 17 13 10:32:05 16:35:52 10:32:05 16:35:52 Arvin Aumenta I 1675 2018-09- 0.2399 1447.5 33 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 2018-09- 201 8-08- 706.1 201 8-09- 16577.33 697.32 35.3 10.89562 201 8-1 2- do 17 15 17 17 17 17 15 17 13 16:35:52 16:36:56 16:35:52 16:36:56 Arvin Aumenta I 1675 2018-09- 0.2399 1447.5 33 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 697.32 35.3 10.89562 201 8-1 2- do 17 15 7 7 15 17 13 16:36:56 00:30:12 16:36:56 00:30:12 Arvin Aumenta I 1675 2018-09- 0.2399 1447.5 34 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 708.21 35.3 10.89562 201 8-1 2- do 18 15 18 18 18 18 15 18 13 00:30:12 05:02:37 00:30:12 05:02:37 Arvin Aumenta I 1675 2018-09- 0.2399 1447.5 34 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 708.21 35.3 10.89562 201 8-1 2- do 18 15 15 18 13 05:02:37 05:02:39 05:02:37 05:02:39 Arvin Aumenta I 1675 2018-09- 0.2399 1447.5 34 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 2018-09- 201 8-08- 706.1 201 8-09- 16577.33 708.21 35.3 10.89562 201 8-1 2- do 18 15 18 18 18 18 15 18 13 05:02:39 05:02:41 05:02:39 05:02:41 Arvin Aumenta I 1675 2018-09- 0.2399 1447.5 34 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 708.21 35.3 10.89562 201 8-1 2- do 18 15 15 18 13 05:02:42 00:46:10 05:02:41 00:46:10 Arvin Aumenta I 1675 2018-09- 0.2399 1447.5 35 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 71 9.11 35.3 10.89562 201 8-1 2- do 19 15 1 1 1 1 15 19 13 00:46:10 06:26:08 00:46:10 06:26:08 Arvin Aumenta I 1675 2018-09- 0.2399 1447.5 35 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 71 9.11 35.3 10.89562 201 8-1 2- do 19 15 15 19 13 06:26:08 06:26:11 06:26:08 06:26:11 Arvin Aumenta I 1675 2018-09- 0.2399 1447.5 35 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 2018-09- 201 8-08- 706.1 201 8-09- 16577.33 71 9.11 35.3 10.89562 201 8-1 2- do 19 15 19 20 19 20 15 19 13 06:26:11 00:00:45 06:26:11 00:00:45 Arvin Aumenta I 1675 2018-09- 0.2399 1447.5 36 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 2018-09- 201 8-08- 706.1 201 8-09- 16577.33 730 35.3 10.89562 201 8-1 2- do 20 15 20 20 20 20 15 20 13 00:00:45 05:10:12 00:00:45 05:10:12 Arvin Aumenta I 1675 2018-09- 0.2399 1447.5 36 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 730 35.3 10.89562 201 8-1 2- do 20 15 15 20 13 05:10:12 05:10:15 05:10:12 05:10:15 Arvin Aumenta I 1675 2018-09- 0.2399 1447.5 36 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 730 35.3 10.89562 201 8-1 2- do 20 15 20 21 20 21 15 20 13 05:10:15 01:33:16 05:10:15 01:33:16 Arvin Aumenta I 1675 2018-09- 0.2399 1447.5 37 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 740.9 35.3 10.89562 201 8-1 2- do 21 15 15 21 13 01:33:16 04:02:52 01:33:16 04:02:52 Arvin Aumenta I 1675 2018-09- 0.2399 1447.5 37 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 2018-09- 201 8-08- 706.1 201 8-09- 16577.33 740.9 35.3 10.89562 201 8-1 2- do 21 15 21 21 21 21 15 21 13 04:02:52 04:02:55 04:02:52 04:02:55 Arvin Aumenta I 1675 2018-09- 0.2399 1447.5 37 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 740.9 35.3 10.89562 201 8-1 2- do 21 15 21 22 21 22 15 21 13 04:02:55 00:33:29 04:02:55 00:33:29 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 38 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 751 .8 35.3 10.89562 201 8-1 2- do 22 15 22 22 22 22 15 22 13 00:33:29 02:15:46 00:33:29 02:15:46 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 38 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 751 .8 35.3 10.89562 201 8-1 2- do 22 15 15 22 13 02:15:47 02:15:49 02:15:46 02:15:49 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 38 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 751 .8 35.3 10.89562 201 8-1 2- do 22 15 22 23 22 23 15 22 13 02:15:49 00:06:08 02:15:49 00:06:08 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 39 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 762.69 35.3 10.89562 201 8-1 2- do 23 15 15 23 13 00:06:08 01 :46:58 00:06:08 01 :46:58 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 39 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 762.69 35.3 10.89562 201 8-1 2- do 23 15 2 2 2 2 15 23 13 01:46:59 01:47:01 01:46:58 01:47:01 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 39 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 762.69 35.3 10.89562 201 8-1 2- do 23 15 15 23 13 O1 :47:01 00:02:16 01:47:01 00:02:16 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 40 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 773.59 35.3 10.89562 201 8-1 2- do 24 15 24 24 24 24 15 24 13 00:02:16 03:25:30 00:02:16 03:25:30 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 40 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 773.59 35.3 10.89562 201 8-1 2- do 24 15 24 24 24 24 15 24 13 03:25:30 03:25:33 03:25:30 03:25:33 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 40 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 773.59 35.3 10.89562 201 8-1 2- do 24 15 15 24 13 03:25:33 01 :33223 03:25:33 01 233:23 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 41 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 784.48 35.3 10.89562 201 8-1 2- do 25 15 25 25 25 25 15 25 13 O1 :33z23 02:46:35 01 :33:23 02:46:35 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 41 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 784.48 35.3 10.89562 201 8-1 2- do 25 15 15 25 13 02:46:36 02:46:38 02:46:35 02:46:38 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 41 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 784.48 35.3 10.89562 201 8-1 2- do 25 15 25 25 25 25 15 25 13 02:46:38 23:03:23 02:46:38 23:03:23 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 42 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 795.38 35.3 10.89562 201 8-1 2- do 26 15 25 26 25 26 15 26 13 23:03:24 05:24:13 23:03:23 05:24:13 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 42 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 795.38 35.3 10.89562 201 8-1 2- do 26 15 26 26 26 26 15 26 13 05:24:13 05:24:16 05:24:13 05:24:16 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 42 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 795.38 35.3 10.89562 201 8-1 2- do 26 15 15 26 13 05:24:17 04:48:36 05:24:16 04:48:36 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 43 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 806.27 35.3 10.89562 201 8-1 2- do 27 15 27 27 27 27 15 27 13 04:48:36 07:08:43 04:48:36 07:08:43 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 43 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 806.27 35.3 10.89562 201 8-1 2- do 27 15 27 27 27 27 15 27 13 07:08:44 07:08:46 07:08:43 07:08:46 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 43 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 806.27 35.3 10.89562 201 8-1 2- do 27 15 7 7 15 27 13 07:08:46 06:18:54 07:08:46 06:18:54 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 44 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 81 7. 1 7 35.3 10.89562 201 8-1 2- do 28 15 28 28 28 28 15 28 13 06:18:54 10:08:54 06:18:54 10:08:54 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 44 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 81 7. 1 7 35.3 10.89562 201 8-1 2- do 28 15 15 28 13 10:08:54 10:08:57 10:08:54 10:08:57 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 44 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 81 7. 1 7 35.3 10.89562 201 8-1 2- do 28 15 28 29 28 29 15 28 13 10:08:57 01:11:23 10:08:57 01:11:23 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 45 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 828.06 35.3 10.89562 201 8-1 2- do 29 15 15 29 13 01:11:23 04:18:28 01:11:23 04:18:28 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 45 706.1 15 2021 -O3- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 828.06 35.3 10.89562 201 8-1 2- do 29 15 2 2 2 2 15 29 13 04:18:28 04:18:31 04:18:28 04:18:31 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 45 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 828.06 35.3 10.89562 201 8-1 2- do 29 15 15 29 13 04:18:31 03:25:03 04:18:31 03:25:03 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 46 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 838.96 35.3 10.89562 201 8-1 2- do 30 15 30 30 3O 30 15 3O 13 03:25:04 08:00:44 03:25:03 08:00:44 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 46 706.1 15 2021 -03- 201 8-09- 201 8-09- 201 8-09- 201 8-09- 201 8-08- 706.1 201 8-09- 16577.33 838.96 35.3 10.89562 201 8-1 2- do 30 15 30 30 3O 30 15 30 13 08:00:44 08:00:47 08:00:44 08:00:47 Arvin Aumenta I 1675 201 8-09- 0.2399 1447.5 46 706.1 15 2021 -03- 201 8-09- 201 8-1 0- 201 8-09- 201 8-1 0- 201 8-08- 706.1 201 8-09- 16577.33 838.96 35.3 10.89562 201 8-1 2- do 30 15 15 30 13 08:00:48 00:50:23 08:00:47 00:50:23 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 47 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 849.86 70.6 10.89562 2018-12- do 01 15 O1 01 01 01 15 01 13 00:50:23 07:49:04 00:50:23 07:49:04 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 47 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 849.86 70.6 10.89562 2018-12- do O1 15 15 01 13 07:49:04 07:49:07 07:49:04 07:49:07 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 47 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 849.86 70.6 10.89562 2018-12- do 01 15 O1 01 01 01 15 01 13 07:49:07 23:53:29 07:49:07 23:53:29 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 48 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 860.75 70.6 10.89562 2018-12- do 02 15 O1 02 01 02 15 02 13 23:53:29 05:29:42 23:53:29 05:29:42 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 48 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 860.75 70.6 10.89562 2018-12- do 02 15 02 02 02 02 15 02 13 05:29:42 05:29:45 05:29:42 05:29:45 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 48 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 860.75 70.6 10.89562 2018-12- do 02 15 15 02 13 05:29:45 00:35:02 05:29:45 00:35:02 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 49 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 871 .65 70.6 10.89562 2018-12- do 03 15 O3 03 03 03 15 03 13 00:35:02 02:31 :59 00:35:02 02:31 :59 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 49 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 871 .65 70.6 10.89562 2018-12- do 03 15 15 03 13 02:31 :59 02:32:02 02:31 :59 02:32:02 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 49 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 871 .65 70.6 10.89562 2018-12- do 03 15 15 03 13 02:32:03 23:38:07 02:32:02 23:38:07 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 50 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 882.54 70.6 10.89562 2018-12- do 04 15 15 04 13 23:38:07 05:28:24 23:38:07 05:28:24 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 50 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 882.54 70.6 10.89562 2018-12- do 04 15 O4 04 04 04 15 04 13 05:28:24 05:28:27 05:28:24 05:28:27 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 50 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 882.54 70.6 10.89562 2018-12- do 04 15 O4 05 04 05 15 04 13 05:28:27 00:23:06 05:28:27 00:23:06 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 51 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 893.44 70.6 10.89562 2018-12- do 05 15 15 05 13 00:23:07 06:44:53 00:23:06 06:44:53 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 51 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 893.44 70.6 10.89562 2018-12- do 05 15 05 05 05 05 15 05 13 06:44:53 06:44:56 06:44:53 06:44:56 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 51 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 893.44 70.6 10.89562 2018-12- do 05 15 15 05 13 06:44:56 01 :23235 06:44:56 01 223:35 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 52 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 904.33 70.6 10.89562 2018-12- do 06 15 06 06 06 06 15 06 13 O1 23:35 07:32:59 01 23:35 07:32:59 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 52 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 904.33 70.6 10.89562 2018-12- do 06 15 06 06 06 06 15 06 13 07:32:59 07:33:02 07:32:59 07:33:02 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 52 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 904.33 70.6 10.89562 2018-12- do 06 15 O6 07 06 07 15 06 13 07:33:02 00:13:45 07:33:02 00:13:45 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 53 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 915.23 70.6 10.89562 2018-12- do 07 15 15 07 13 00:13:45 04:18:52 00:13:45 04:18:52 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 53 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 915.23 70.6 10.89562 2018-12- do 07 15 O7 07 07 07 15 07 13 04:18:52 04:18:55 04:18:52 04:18:55 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 53 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 915.23 70.6 10.89562 2018-12- do 07 15 O7 08 07 08 15 07 13 04:18:55 00:38:56 04:18:55 00:38:56 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 54 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 926.13 70.6 10.89562 2018-12- do 08 15 15 08 13 00:38:56 03:18:02 00:38:56 03:18:02 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 54 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 926.13 70.6 10.89562 2018-12- do 08 15 08 08 08 08 15 08 13 03:18:02 03:18:05 03:18:02 03:18:05 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 54 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 926.13 70.6 10.89562 2018-12- do 08 15 15 08 13 03:18:06 23:52:47 03:18:05 23:52:47 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 55 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 937.02 70.6 10.89562 2018-12- do 09 15 08 09 08 09 15 09 13 23:52:47 07:22:31 23:52:47 07:22:31 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 55 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 937.02 70.6 10.89562 2018-12- do 09 15 15 09 13 07:22:31 07:22:34 07:22:31 07:22:34 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 55 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 937.02 70.6 10.89562 2018-12- do 09 15 1 1 15 09 13 07:22:34 01:30:18 07:22:34 01:30:18 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 56 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 947.92 70.6 10.89562 2018-12- do 10 15 15 10 13 O1 :30:18 07:51:53 01:30:18 07:51:53 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 56 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 947.92 70.6 10.89562 2018-12- do 10 15 10 10 1O 10 15 1O 13 07:51:53 07:51:57 07:51:53 07:51:57 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 56 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 947.92 70.6 10.89562 2018-12- do 1O 15 10 11 1O 11 15 1O 13 07:51 :57 00:32:09 07:51 :57 00:32:09 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 57 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 958.81 70.6 10.89562 2018-12- do 11 15 15 11 13 00:32:09 04:12:11 00:32:09 04:12:11 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 57 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 958.81 70.6 10.89562 2018-12- do 11 15 11 11 11 11 15 11 13 04:12:11 04:12:14 04:12:11 04:12:14 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 57 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 958.81 70.6 10.89562 2018-12- do 11 15 15 11 13 04:12:14 00:28:35 04:12:14 00:28:35 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 58 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 969.71 70.6 10.89562 2018-12- do 12 15 12 12 12 12 15 12 13 00:28:35 07:49:08 00:28:35 07:49:08 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 58 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 969.71 70.6 10.89562 2018-12- do 12 15 12 12 12 12 15 12 13 07:49:08 07:49:11 07:49:08 07:49:11 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 58 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 969.71 70.6 10.89562 2018-12- do 12 15 12 13 12 13 15 12 13 07:49:11 00:25:26 07:49:11 00:25:26 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 59 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 980.6 70.6 10.89562 2018-12- do 13 15 15 13 13 00:25:26 05:29:53 00:25:26 05:29:53 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 59 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 980.6 70.6 10.89562 2018-12- do 13 15 13 13 13 13 15 13 13 05:29:53 05:29:57 05:29:53 05:29:57 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 59 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 980.6 70.6 10.89562 2018-12- do 13 15 15 13 13 05:29:57 23:59:39 05:29:57 23:59:39 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 60 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 991 .5 70.6 10.89562 2018-12- do 14 15 1 14 1 14 15 14 13 23:59:39 02:01:12 23:59:39 02:01:12 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 60 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 991 .5 70.6 10.89562 2018-12- do 14 15 15 14 13 02:01:12 02:01:15 02:01:12 02:01:15 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 60 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 991 .5 70.6 10.89562 2018-12- do 14 15 14 15 14 15 15 14 13 02:01:15 01:12:17 02:01:15 01:12:17 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 61 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 1002.39 70.6 10.89562 2018-12- do 15 15 15 15 15 15 15 15 13 01:12:17 02:55:00 01:12:17 02:55:00 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 61 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 1002.39 70.6 10.89562 2018-12- do 15 15 15 15 13 02:55:00 02:55:03 02:55:00 02:55:03 Arvin Aumenta I 1675 2018-10- 0.2399 1482.8 61 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 1002.39 70.6 10.89562 2018-12- do 15 15 15 16 15 16 15 15 13 02:55:03 00:46:47 02:55:03 00:46:47 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 62 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 1013.29 70.6 10.89562 2018-12- do 16 15 15 16 13 00:46:47 07:59:32 00:46:47 07:59:32 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 62 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 1013.29 70.6 10.89562 2018-12- do 16 15 16 16 16 16 15 16 13 07:59:32 07:59:35 07:59:32 07:59:35 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 62 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 1013.29 70.6 10.89562 2018-12- do 16 15 16 17 16 17 15 16 13 07:59:35 00:39:58 07:59:35 00:39:58 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 63 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 1024.19 70.6 10.89562 2018-12- do 17 15 17 17 17 17 15 17 13 00:39:58 06:04:00 00:39:58 06:04:00 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 63 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 1024.19 70.6 10.89562 2018-12- do 17 15 15 17 13 06:04:01 06:04:04 06:04:00 06:04:04 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 63 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 1024.19 70.6 10.89562 2018-12- do 17 15 17 18 17 18 15 17 13 06:04:05 00:56:16 06:04:04 00:56:16 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 64 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 1035.08 70.6 10.89562 2018-12- do 18 15 18 18 18 18 15 18 13 00:56:16 08:41:06 00:56:16 08:41:06 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 64 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 1035.08 70.6 10.89562 2018-12- do 18 15 15 18 13 08:41:06 08:41:10 08:41:06 08:41:10 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 64 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 1035.08 70.6 10.89562 2018-12- do 18 15 18 19 18 19 15 18 13 08:41:10 01:57:27 08:41:10 01:57:27 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 65 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 1045.98 70.6 10.89562 2018-12- do 19 15 15 19 13 O1 :57227 05:33:58 01 :57:27 05:33:58 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 65 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 1045.98 70.6 10.89562 2018-12- do 19 15 19 19 19 19 15 19 13 05:33:58 05:34:01 05:33:58 05:34:01 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 65 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 1045.98 70.6 10.89562 2018-12- do 19 15 15 19 13 05:34:01 00:26:09 05:34:01 00:26:09 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 66 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 1056.87 70.6 10.89562 2018-12- do 20 15 2 2 2 2 15 20 13 00:26:09 04:50:30 00:26:09 04:50:30 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 66 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 1056.87 70.6 10.89562 2018-12- do 20 15 15 20 13 04:50:31 04:50:34 04:50:30 04:50:34 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 66 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 1056.87 70.6 10.89562 2018-12- do 20 15 20 21 20 21 15 20 13 04:50:34 00:41 :00 04:50:34 00:41 :00 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 67 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 1067.77 70.6 10.89562 2018-12- do 21 15 21 21 21 21 15 21 13 00:41:01 03:27:17 00:41:00 03:27:17 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 67 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 1067.77 70.6 10.89562 2018-12- do 21 15 15 21 13 03:27:17 03:27:20 03:27:17 03:27:20 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 67 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 1067.77 70.6 10.89562 2018-12- do 21 15 21 22 21 22 15 21 13 03:27:20 00:48:38 03:27:20 00:48:38 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 68 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 1078.66 70.6 10.89562 2018-12- do 22 15 15 22 13 00:48:38 08:37:24 00:48:38 08:37:24 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 68 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 1078.66 70.6 10.89562 2018-12- do 22 15 22 22 22 22 15 22 13 08:37:24 08:37:27 08:37:24 08:37:27 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 68 706.1 15 2021-03- 2018-10- 2018-10- 2018-10- 2018-10- 2018-08- 706.1 2018-10- 16577.33 1078.66 70.6 10.89562 2018-12- do 22 15 22 23 22 23 15 22 13 08:37:27 01:11:32 08:37:27 01:11:32 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 69 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1089.56 70.6 10.89562 2018-12- do 23 15 23 23 23 23 15 23 13 O1 :1 1 :33 04:45:42 01 :1 1 :32 04:45:42 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 69 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1089.56 70.6 10.89562 2018-12- do 23 15 15 23 13 04:45:42 04:45:45 04:45:42 04:45:45 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 69 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1089.56 70.6 10.89562 2018-12- do 23 15 23 24 23 24 15 23 13 04:45:45 00:54:39 04:45:45 00:54:39 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 70 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1100.46 70.6 10.89562 2018-12- do 24 15 15 24 13 00:54:39 07:56:51 00:54:39 07:56:51 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 70 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1100.46 70.6 10.89562 2018-12- do 24 15 24 24 24 24 15 24 13 07:56:51 07:56:54 07:56:51 07:56:54 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 70 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1100.46 70.6 10.89562 2018-12- do 24 15 15 24 13 07:56:54 00:46:51 07:56:54 00:46:51 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 71 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1111.35 70.6 10.89562 2018-12- do 25 15 25 25 25 25 15 25 13 00:46:51 06:28:40 00:46:51 06:28:40 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 71 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1111.35 70.6 10.89562 2018-12- do 25 15 25 25 25 25 15 25 13 06:28:40 06:28:43 06:28:40 06:28:43 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 71 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1111.35 70.6 10.89562 2018-12- do 25 15 15 25 13 06:28:43 01 :29211 06:28:43 01 229:11 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 72 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1122.25 70.6 10.89562 2018-12- do 26 15 26 26 26 26 15 26 13 O1 29:11 03:18:21 01:29:11 03:18:21 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 72 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1122.25 70.6 10.89562 2018-12- do 26 15 15 26 13 03:18:21 03:18:24 03:18:21 03:18:24 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 72 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1122.25 70.6 10.89562 2018-12- do 26 15 26 27 26 27 15 26 13 03:18:24 00:03:59 03:18:24 00:03:59 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 73 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1133.14 70.6 10.89562 2018-12- do 27 15 27 27 27 27 15 27 13 00:03:59 06:28:32 00:03:59 06:28:32 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 73 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1133.14 70.6 10.89562 2018-12- do 27 15 27 27 27 27 15 27 13 06:28:32 06:28:35 06:28:32 06:28:35 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 73 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1133.14 70.6 10.89562 2018-12- do 27 15 15 27 13 06:28:35 00:37:43 06:28:35 00:37:43 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 74 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1144.04 70.6 10.89562 2018-12- do 28 15 28 28 28 28 15 28 13 00:37:43 05:49:06 00:37:43 05:49:06 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 74 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1144.04 70.6 10.89562 2018-12- do 28 15 28 28 28 28 15 28 13 05:49:06 05:49:09 05:49:06 05:49:09 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 74 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1144.04 70.6 10.89562 2018-12- do 28 15 15 28 13 05:49:10 00:44:03 05:49:09 00:44:03 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 75 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1154.93 70.6 10.89562 2018-12- do 29 15 29 29 29 29 15 29 13 00:44:03 02:12:25 00:44:03 02:12:25 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 75 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1154.93 70.6 10.89562 2018-12- do 29 15 15 29 13 02:12:25 02:12:28 02:12:25 02:12:28 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 75 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1154.93 70.6 10.89562 2018-12- do 29 15 29 30 29 30 15 29 13 02:12:28 07:44:09 02:12:28 07:44:09 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 76 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1165.83 70.6 10.89562 2018-12- do 30 15 15 30 13 07:44:09 09:33:51 07:44:09 09:33:51 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 76 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1165.83 70.6 10.89562 2018-12- do 30 15 15 3O 13 09:33:51 09:33:52 09:33:51 09:33:52 Arvin Aumenta I 1675 2018-10- 0.2399 2188.9 76 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1165.83 70.6 10.89562 2018-12- do 30 15 15 30 13 09:33:52 23:21 :39 09:33:52 23:21 :39 Arvin Aumenta I 1675 2018-10- 0.2399 2224.2 77 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1176.72 105.9 10.89562 2018-12- do 31 15 30 31 3O 31 15 31 13 23:21 :39 10:27:03 23:21 :39 10:27:03 Arvin Aumenta I 1675 2018-10- 0.2399 2224.2 77 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1176.72 105.9 10.89562 2018-12- do 31 15 31 31 31 31 15 31 13 10:27:03 10:27:04 10:27:03 10:27:04 Arvin Aumenta I 1675 2018-10- 0.2399 2224.2 77 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-10- 16577.33 1176.72 105.9 10.89562 2018-12- do 31 15 15 31 13 10:27:04 22:27:46 10:27:04 22:27:46 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 78 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-1 1- 16577.33 1187.62 105.9 10.89562 2018-12- do 01 15 31 31 31 31 15 01 13 22:27:46 23:20z1 5 22:27:46 23:20:15 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 78 706.1 15 2021-03- 2018-1 0- 2018-1 0- 2018-10- 2018-1 0- 2018-08- 706.1 2018-1 1- 16577.33 1187.62 105.9 10.89562 2018-12- do O1 15 15 01 13 23:20:15 23:20:16 23:20:15 23:20:16 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 78 706.1 15 2021-03- 2018-1 0- 2018-1 1- 2018-10- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1187.62 105.9 10.89562 2018-12- do 01 15 31 01 31 01 15 01 13 23:20:16 22:29:44 23:20:16 22:29:44 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 79 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1198.52 105.9 10.89562 2018-12- do 02 15 O1 02 01 02 15 02 13 22:29:44 03:16:42 22:29:44 03:16:42 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 79 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1198.52 105.9 10.89562 2018-12- do 02 15 02 02 02 02 15 02 13 03:16:42 03:16:44 03:16:42 03:16:44 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 79 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1198.52 105.9 10.89562 2018-12- do 02 15 15 02 13 03:16:44 22:59:06 03:16:44 22:59:06 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 80 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1209.41 105.9 10.89562 2018-12- do 03 15 02 02 02 02 15 03 13 22:59:06 23:52:46 22:59:06 23:52:46 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 80 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1209.41 105.9 10.89562 2018-12- do 03 15 15 03 13 23:52:46 23:52:47 23:52:46 23:52:47 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 80 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1209.41 105.9 10.89562 2018-12- do 03 15 2 2 15 03 13 23:52:47 22:43:16 23:52:47 22:43:16 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 81 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1220.31 105.9 10.89562 2018-12- do 04 15 15 04 13 22:43:17 00:45:33 22:43:16 00:45:33 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 81 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1220.31 105.9 10.89562 2018-12- do 04 15 O4 04 04 04 15 04 13 00:45:33 00:45:35 00:45:33 00:45:35 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 81 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1220.31 105.9 10.89562 2018-12- do 04 15 O4 04 04 04 15 04 13 00:45:35 23:17:20 00:45:35 23:17:20 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 82 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1231 .2 105.9 10.89562 2018-12- do 05 15 15 05 13 23:17:20 02:29:01 23:17:20 02:29:01 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 82 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1231 .2 105.9 10.89562 2018-12- do 05 15 05 05 05 05 15 05 13 02:29:01 02:29:03 02:29:01 02:29:03 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 82 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1231 .2 105.9 10.89562 2018-12- do 05 15 15 05 13 02:29:03 23:58:14 02:29:03 23:58:14 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 83 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1242.1 105.9 10.89562 2018-12- do 06 15 O5 06 05 06 15 06 13 23:58:14 03:36:30 23:58:14 03:36:30 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 83 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1242.1 105.9 10.89562 2018-12- do 06 15 06 06 06 06 15 06 13 03:36:30 03:36:31 03:36:30 03:36:31 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 83 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1242.1 105.9 10.89562 2018-12- do 06 15 O6 06 06 06 15 06 13 03:36:31 23:13:35 03:36:31 23:13:35 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 84 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1252.99 105.9 10.89562 2018-12- do 07 15 15 07 13 23:13:35 03:21 :50 23:13:35 03:21 :50 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 84 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1252.99 105.9 10.89562 2018-12- do 07 15 O7 07 07 07 15 07 13 03:21:50 03:21:51 03:21:50 03:21:51 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 84 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1252.99 105.9 10.89562 2018-12- do 07 15 O7 07 07 07 15 07 13 03:21:51 23:10:42 03:21:51 23:10:42 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 85 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1263.89 105.9 10.89562 2018-12- do 08 15 7 7 15 08 13 23:10:42 01:53:11 23:10:42 01:53:11 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 85 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1263.89 105.9 10.89562 2018-12- do 08 15 08 08 08 08 15 08 13 01:53:11 01:53:13 01:53:11 01:53:13 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 85 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1263.89 105.9 10.89562 2018-12- do 08 15 15 08 13 01:53:13 23:49:20 01:53:13 23:49:20 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 86 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1274.79 105.9 10.89562 2018-12- do 09 15 08 09 08 09 15 09 13 23:49:20 02:50:43 23:49:20 02:50:43 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 86 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1274.79 105.9 10.89562 2018-12- do 09 15 15 09 13 02:50:43 02:50:44 02:50:43 02:50:44 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 86 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1274.79 105.9 10.89562 2018-12- do 09 15 15 09 13 02:50:44 23:14:38 02:50:44 23:14:38 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 87 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1285.68 105.9 10.89562 2018-12- do 10 15 15 10 13 23:14:38 01:13:26 23:14:38 01:13:26 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 87 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1285.68 105.9 10.89562 2018-12- do 10 15 10 10 1O 10 15 1O 13 01:13:27 01:13:28 01:13:26 01:13:28 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 87 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1285.68 105.9 10.89562 2018-12- do 1O 15 10 10 1O 10 15 1O 13 01:13:29 23:24:55 01:13:28 23:24:55 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 88 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1296.58 105.9 10.89562 2018-12- do 11 15 15 11 13 23:24:55 01 :54256 23:24:55 01 254:56 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 88 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1296.58 105.9 10.89562 2018-12- do 11 15 11 11 11 11 15 11 13 01:54:57 01:54:58 01:54:56 01:54:58 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 88 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1296.58 105.9 10.89562 2018-12- do 11 15 15 11 13 O1 :54259 23:38:38 01 :54:58 23:38:38 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 89 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1307.47 105.9 10.89562 2018-12- do 12 15 11 12 11 12 15 12 13 23:38:38 00:09:31 23:38:38 00:09:31 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 89 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1307.47 105.9 10.89562 2018-12- do 12 15 12 12 12 12 15 12 13 00:09:31 00:09:32 00:09:31 00:09:32 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 89 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1307.47 105.9 10.89562 2018-12- do 12 15 12 12 12 12 15 12 13 00:09:33 23:01 :39 00:09:32 23:01 :39 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 90 706.1 15 2021-03- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 706.1 2018-11- 16577.33 1318.37 105.9 10.89562 2018-12- do 13 15 15 13 13 23:01 :40 02:33:10 23:01 :39 02:33:10 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 90 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1318.37 105.9 10.89562 2018-12- do 13 15 13 13 13 13 15 13 13 02:33:10 02:33:12 02:33:10 02:33:12 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 90 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1318.37 105.9 10.89562 2018-12- do 13 15 15 13 13 02:33:12 23:12:05 02:33:12 23:12:05 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 91 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1329.26 105.9 10.89562 2018-12- do 14 15 1 14 1 14 15 14 13 23:12:06 01 :09232 23:12:05 01 209:32 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 91 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1329.26 105.9 10.89562 2018-12- do 14 15 15 14 13 O1 :09:32 01 :09:34 01 :09:32 O1 :09:34 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 91 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1329.26 105.9 10.89562 2018-12- do 14 15 14 14 14 14 15 14 13 O1 :09z34 23:56:14 01 :09:34 23:56:14 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 92 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1340.16 105.9 10.89562 2018-12- do 15 15 14 15 14 15 15 15 13 23:56:14 03:17:26 23:56:14 03:17:26 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 92 706.1 15 2021-03- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 706.1 2018-11- 16577.33 1340.16 105.9 10.89562 2018-12- do 15 15 15 15 13 03:17:26 03:17:28 03:17:26 03:17:28 Arvin Aumenta I 1675 2018-11- 0.2399 2224.2 92 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1340.16 105.9 10.89562 2018-12- do 15 15 15 16 15 16 15 15 13 03:17:28 00:10:47 03:17:28 00:10:47 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 93 706.1 15 2021-03- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 706.1 2018-11- 16577.33 1351.05 105.9 10.89562 2018-12- do 16 15 15 16 13 00:10:47 01 :06225 00:10:47 01 206:25 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 93 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1351.05 105.9 10.89562 2018-12- do 16 15 16 16 16 16 15 16 13 O1 :06:25 01 :06:27 01 :06:25 O1 :06:27 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 93 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1351.05 105.9 10.89562 2018-12- do 16 15 16 16 16 16 15 16 13 01 :06:27 23:52:12 01 :06:27 23:52:12 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 94 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1361.95 105.9 10.89562 2018-12- do 17 15 16 17 16 17 15 17 13 23:52:12 02:38:14 23:52:12 02:38:14 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 94 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1361.95 105.9 10.89562 2018-12- do 17 15 15 17 13 02:38:14 02:38:16 02:38:14 02:38:16 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 94 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1361.95 105.9 10.89562 2018-12- do 17 15 17 17 17 17 15 17 13 02:38:17 23:44:29 02:38:16 23:44:29 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 95 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1372.85 105.9 10.89562 2018-12- do 18 15 17 18 17 18 15 18 13 23:44:29 02:37:03 23:44:29 02:37:03 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 95 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1372.85 105.9 10.89562 2018-12- do 18 15 15 18 13 02:37:03 02:37:06 02:37:03 02:37:06 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 95 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1372.85 105.9 10.89562 2018-12- do 18 15 18 18 18 18 15 18 13 02:37:06 22:59:12 02:37:06 22:59:12 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 96 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1383.74 105.9 10.89562 2018-12- do 19 15 15 19 13 22:59:13 01 :20246 22:59:12 01 220:46 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 96 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1383.74 105.9 10.89562 2018-12- do 19 15 19 19 19 19 15 19 13 O1 :20:46 01 :20:48 01 :20:46 O1 :20:48 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 96 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1383.74 105.9 10.89562 2018-12- do 19 15 15 19 13 01 :20:49 23:10:17 01:20:48 23:10:17 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 97 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1394.64 105.9 10.89562 2018-12- do 20 15 1 2 1 2 15 20 13 23:10:17 02:06:44 23:10:17 02:06:44 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 97 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1394.64 105.9 10.89562 2018-12- do 20 15 15 20 13 02:06:45 02:06:47 02:06:44 02:06:47 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 97 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1394.64 105.9 10.89562 2018-12- do 20 15 20 20 20 20 15 20 13 02:06:47 23:05:27 02:06:47 23:05:27 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 98 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1405.53 105.9 10.89562 2018-12- do 21 15 20 21 20 21 15 21 13 23:05:27 02:07:09 23:05:27 02:07:09 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 98 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1405.53 105.9 10.89562 2018-12- do 21 15 15 21 13 02:07:09 02:07:12 02:07:09 02:07:12 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 98 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1405.53 105.9 10.89562 2018-12- do 21 15 21 21 21 21 15 21 13 02:07:12 23:21 :54 02:07:12 23:21 :54 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 99 706.1 15 2021-03- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 706.1 2018-11- 16577.33 1416.43 105.9 10.89562 2018-12- do 22 15 15 22 13 23:21 :54 03:31 :42 23:21 :54 03:31 :42 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 99 706.1 15 2021-03- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 706.1 2018-11- 16577.33 1416.43 105.9 10.89562 2018-12- do 22 15 22 22 22 22 15 22 13 03:31 :42 03:31 :44 03:31 :42 03:31 :44 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 99 706.1 15 2021-03- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 706.1 2018-11- 16577.33 1416.43 105.9 10.89562 2018-12- do 22 15 22 22 22 22 15 22 13 03:31 :44 23:44:58 03:31 :44 23:44:58 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 100 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1427.32 105.9 10.89562 2018-12- do 23 15 22 23 22 23 15 23 13 23:44:58 01 :37223 23:44:58 01 237:23 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 100 706.1 15 2021-03- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 706.1 2018-11- 16577.33 1427.32 105.9 10.89562 2018-12- do 23 15 15 23 13 O1 :37224 01 :37226 01 :37:23 01 237:26 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 100 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1427.32 105.9 10.89562 2018-12- do 23 15 23 23 23 23 15 23 13 01:37:26 23:09:33 01:37:26 23:09:33 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 101 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1438.22 105.9 10.89562 2018-12- do 24 15 15 24 13 23:09:34 03:03:27 23:09:33 03:03:27 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 101 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1438.22 105.9 10.89562 2018-12- do 24 15 24 24 24 24 15 24 13 03:03:28 03:03:30 03:03:27 03:03:30 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 101 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1438.22 105.9 10.89562 2018-12- do 24 15 15 24 13 03:03:30 23:17:40 03:03:30 23:17:40 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 102 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1449.12 105.9 10.89562 2018-12- do 25 15 24 25 24 25 15 25 13 23:17:40 07:1 1 :29 23:17:40 07:1 1 :29 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 102 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1449.12 105.9 10.89562 2018-12- do 25 15 25 25 25 25 15 25 13 07:11:29 07:11:34 07:11:29 07:11:34 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 102 706.1 15 2021-03- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 706.1 2018-11- 16577.33 1449.12 105.9 10.89562 2018-12- do 25 15 15 25 13 07:11:34 23:37:10 07:11:34 23:37:10 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 103 706.1 15 2021-03- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 706.1 2018-11- 16577.33 1460.01 105.9 10.89562 2018-12- do 26 15 25 26 25 26 15 26 13 23:37:10 04:15:53 23:37:10 04:15:53 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 103 706.1 15 2021-03- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 706.1 2018-11- 16577.33 1460.01 105.9 10.89562 2018-12- do 26 15 15 26 13 04:15:53 04:15:57 04:15:53 04:15:57 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 103 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1460.01 105.9 10.89562 2018-12- do 26 15 26 27 26 27 15 26 13 04:15:57 00:03:31 04:15:57 00:03:31 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 104 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1470.91 105.9 10.89562 2018-12- do 27 15 27 27 27 27 15 27 13 00:03:31 07:40:59 00:03:31 07:40:59 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 104 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1470.91 105.9 10.89562 2018-12- do 27 15 27 27 27 27 15 27 13 07:40:59 07:41 :04 07:40:59 07:41 :04 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 104 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1470.91 105.9 10.89562 2018-12- do 27 15 15 27 13 07:41 :04 00:20:31 07:41 :04 00:20:31 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 105 706.1 15 2021-03- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 706.1 2018-11- 16577.33 1481.8 105.9 10.89562 2018-12- do 28 15 28 28 28 28 15 28 13 00:20:31 05:01 :29 00:20:31 05:01 :29 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 105 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1481.8 105.9 10.89562 2018-12- do 28 15 28 28 28 28 15 28 13 05:01 :29 05:01 :33 05:01 :29 05:01 :33 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 105 706.1 15 2021-03- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 706.1 2018-11- 16577.33 1481.8 105.9 10.89562 2018-12- do 28 15 15 28 13 05:01 :33 00:17:02 05:01 :33 00:17:02 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 106 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1492.7 105.9 10.89562 2018-12- do 29 15 29 29 29 29 15 29 13 00:17:02 06:45:01 00:17:02 06:45:01 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 106 706.1 15 2021-03- 2018-11- 2018-11- 2018-11- 2018-11- 2018-08- 706.1 2018-11- 16577.33 1492.7 105.9 10.89562 2018-12- do 29 15 15 29 13 06:45:01 06:45:05 06:45:01 06:45:05 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 106 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1492.7 105.9 10.89562 2018-12- do 29 15 29 30 29 30 15 29 13 06:45:05 06:36:43 06:45:05 06:36:43 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 107 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1503.59 105.9 10.89562 2018-12- do 30 15 15 30 13 06:36:43 18:03:44 06:36:43 18:03:44 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 107 706.1 15 2021-03- 2018-1 1- 2018-1 1- 2018-11- 2018-11- 2018-08- 706.1 2018-1 1- 16577.33 1503.59 105.9 10.89562 2018-12- do 30 15 15 3O 13 18:03:44 18:03:48 18:03:44 18:03:48 Arvin Aumenta I 1675 2018-11- 0.2399 2930.3 107 706.1 15 2021-03- 2018-1 1- 2018-1 2- 2018-11- 2018-12- 2018-08- 706.1 2018-1 1- 16577.33 1503.59 105.9 10.89562 2018-12- do 30 15 15 30 13 18:03:48 00:50:13 18:03:48 00:50:13 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 108 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1514.49 141.2 10.89562 2018-12- do 01 15 O1 01 01 01 15 01 13 00:50:13 06:39:39 00:50:13 06:39:39 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 108 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1514.49 141.2 10.89562 2018-12- do 01 15 O1 01 01 01 15 01 13 06:39:40 06:39:44 06:39:39 06:39:44 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 108 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1514.49 141.2 10.89562 2018-12- do 01 15 15 01 13 06:39:45 23:55:01 06:39:44 23:55:01 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 109 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1525.38 141.2 10.89562 2018-12- do 02 15 01 02 01 02 15 02 13 23:55:01 01 :59201 23:55:01 01 259:01 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 109 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1525.38 141.2 10.89562 2018-12- do 02 15 15 02 13 O1 :59201 01 :59204 01 :59:O1 01 259:04 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 109 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1525.38 141.2 10.89562 2018-12- do 02 15 02 02 02 02 15 02 13 O1 :59:04 23:33:46 01 :59:O4 23:33:46 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 110 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1536.28 141.2 10.89562 2018-12- do 03 15 02 03 02 03 15 03 13 23:33:46 00:46:15 23:33:46 00:46:15 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 110 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1536.28 141.2 10.89562 2018-12- do 03 15 O3 03 03 03 15 03 13 00:46:16 00:46:18 00:46:15 00:46:18 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 110 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1536.28 141.2 10.89562 2018-12- do 03 15 15 03 13 00:46:18 23:43:38 00:46:18 23:43:38 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 111 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1547.18 141.2 10.89562 2018-12- do 04 15 O3 04 03 04 15 04 13 23:43:39 02:1 1 :27 23:43:38 02:1 1 :27 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 111 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1547.18 141.2 10.89562 2018-12- do 04 15 15 04 13 02:11:27 02:11:30 02:11:27 02:11:30 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 111 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1547.18 141.2 10.89562 2018-12- do 04 15 4 4 15 04 13 02:1 1 :31 00:02:49 02:1 1 :30 00:02:49 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 112 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1558.07 141.2 10.89562 2018-12- do 05 15 15 05 13 00:02:49 02:26:21 00:02:49 02:26:21 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 112 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1558.07 141.2 10.89562 2018-12- do 05 15 O5 05 05 05 15 05 13 02:26:21 02:26:25 02:26:21 02:26:25 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 112 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1558.07 141.2 10.89562 2018-12- do 05 15 05 06 05 06 15 05 13 02:26:25 03:03:43 02:26:25 03:03:43 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 113 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1568.97 141.2 10.89562 2018-12- do 06 15 15 06 13 03:03:43 09:58:57 03:03:43 09:58:57 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 113 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1568.97 141.2 10.89562 2018-12- do 06 15 06 06 06 06 15 06 13 09:58:57 09:59:00 09:58:57 09:59:00 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 113 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1568.97 141.2 10.89562 2018-12- do 06 15 15 06 13 09:59:00 00:36:56 09:59:00 00:36:56 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 114 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1579.86 141.2 10.89562 2018-12- do 07 15 O7 07 07 07 15 07 13 00:36:56 01 :55:45 00:36:56 O1 :55:45 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 114 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1579.86 141.2 10.89562 2018-12- do 07 15 O7 07 07 07 15 07 13 01 :55:45 01 :55:48 01 :55:45 01 :55:48 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 114 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1579.86 141.2 10.89562 2018-12- do 07 15 O7 07 07 07 15 07 13 01 :55:48 23:40:17 01 :55:48 23:40:17 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 115 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1590.76 141.2 10.89562 2018-12- do 08 15 15 08 13 23:40:17 03:42:43 23:40:17 03:42:43 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 115 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1590.76 141.2 10.89562 2018-12- do 08 15 08 08 08 08 15 08 13 03:42:43 03:42:46 03:42:43 03:42:46 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 115 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1590.76 141.2 10.89562 2018-12- do 08 15 08 08 08 08 15 08 13 03:42:46 23:22:03 03:42:46 23:22:03 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 116 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1601.65 141.2 10.89562 2018-12- do 09 15 15 09 13 23:22:03 01 :47214 23:22:03 01 247:14 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 116 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1601.65 141.2 10.89562 2018-12- do 09 15 09 09 09 09 15 09 13 01:47:14 01:47:17 01:47:14 01:47:17 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 116 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1601.65 141.2 10.89562 2018-12- do 09 15 15 09 13 O1 :47217 23:48:40 01 :47:17 23:48:40 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 117 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1612.55 141.2 10.89562 2018-12- do 10 15 09 10 09 10 15 1O 13 23:48:41 05:19:44 23:48:40 05:19:44 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 117 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1612.55 141.2 10.89562 2018-12- do 1O 15 15 1O 13 05:19:44 05:19:47 05:19:44 05:19:47 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 117 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1612.55 141.2 10.89562 2018-12- do 10 15 1 1 1 1 15 1O 13 05:19:47 23:38:55 05:19:47 23:38:55 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 118 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1623.44 141.2 10.89562 2018-12- do 11 15 15 11 13 23:38:56 01 :00:58 23:38:55 01 :00:58 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 118 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1623.44 141.2 10.89562 2018-12- do 11 15 11 11 11 11 15 11 13 01:00:58 01:01:00 01:00:58 01:01:00 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 118 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1623.44 141.2 10.89562 2018-12- do 11 15 11 11 11 11 15 11 13 01:01:01 23:26:14 01:01:00 23:26:14 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 119 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1634.34 141.2 10.89562 2018-12- do 12 15 15 12 13 23:26:15 03:59:41 23:26:14 03:59:41 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 119 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1634.34 141.2 10.89562 2018-12- do 12 15 12 12 12 12 15 12 13 03:59:41 03:59:44 03:59:41 03:59:44 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 119 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1634.34 141.2 10.89562 2018-12- do 12 15 15 12 13 03:59:44 23:46:30 03:59:44 23:46:30 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 120 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1645.24 141.2 10.89562 2018-12- do 13 15 12 13 12 13 15 13 13 23:46:30 04:17:18 23:46:30 04:17:18 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 120 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1645.24 141.2 10.89562 2018-12- do 13 15 13 13 13 13 15 13 13 04:17:18 04:17:21 04:17:18 04:17:21 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 120 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1645.24 141.2 10.89562 2018-12- do 13 15 13 13 13 13 15 13 13 04:17:21 19:07:37 04:17:21 19:07:37 Arvin Aumenta I 1675 2018-12- 0.2399 2965.6 120 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 706.1 2018-12- 16577.33 1656.13 141.2 10.89562 ?018-12- do 13 15 13 15 13 3 19:07:37 19:08:23 19:07:37 19:08:23 Arvin Aumenta I 1675 2018-12- 0.2399 18374.66 120 706.1 15 2021-03- 2018-1 2- 2018-1 2- 2018-12- 2018-12- 2018-08- 580.96 2018-12- 16577.33 1656.13 141.2 10.89562 2018-12- do 13 15 1 14 13 14 15 13 13 19:08:23 00:10:05 19:08:23 00:10:05 KOOONQUILWNu-t NNNNNNNNNHHh-b-Hb-b-h-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO Eieztnrnlnliy Christopher D. Mandarich SB 220693 ”F”“’=”"‘m”¢’-'““"“rm ”5"" “1““ Ajay Sood 33325294 m 4/26/2021 Hayk Stambultsyan SB320973 my {giggingjgjgfim Amber Swearingen-Ojuri SB324653 Mm hi5! MANDARICH LAW GROUP, LLP P.O. Box 109032 Chicago, IL 60610 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintifl: VELOCITYINVESTMENTS, LLC SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED VELOCITY INVESTMENTS, LLC, Case N0. 21 -CLJ-02403 Plaintiff, VS FILE BY FAX COMPLAINT FOR: 1. BREACH OF CONTRACT Jarman Cabayan, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant DEMAND: $9,991.67 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1. Plaintiff is and at all times herein mentioned, VELOCITY INVESTMENTS, LLC, and successor in interest to original creditor, WebBank. 2. Plaintiff is the only entity that purchased the debt after charge-off and its name and address is as follows: VELOCITY INVESTMENTS, LLC; 1800 Route 34N Suite 404A , Wall NJ 077 1 9. 3. Plaintiff is a debt buyer, and is the sole owner of the debt at issue. 4. The charge-off creditor at the time 0fcharge-off is LendingClub Corporation & LC Trust I, 71 STEVENSON ST SUITE 300, SAN FRANCISCO, CA 94105, and the account number associated with this debt is XXXX2309. 5. Plaintiff is informed and believes that Defendant are individuals who currently reside within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the proper Court for trial of this action. COMPLAINT-l ofs EXhibit "33" KOOONONUILWNr-t NNNNNNNNNHh-h-b-Hb-h-th-HH OOVQKJIJ>UJN~OKOOOQONM$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 Jarman Cabayan , 215 SHIPLEY AVE , DALYCITY, 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, 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 XXXX2309 (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 subj ect account was on March 6, 2018. 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 0n the Account. 15. The debt balance at charge-offwas $9,991.67, 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 $9,991.67. 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 $9,991.67. 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 $9,991.67 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 0f 5 KOOONONUI-bUJNr-t NNNNNNNNNHh-kb-Ab-Ab-b-h-h-Hb-t OONQMJ>WN~O©OONONM$UJNHO WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $9,991.67, 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: 04/16/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-5 0f 5 r' . Q I; .u f gi f-|-" [X] Christopher D. Mandarich, Esq. Attorneysfor Plaintifl EXHIBIT A This is a copy of an authoritative document Loan Agreement The following terms, together with your loan request on the Site, as dened herein, constitute a binding agreement (the "Agreement") between you (you and your to mean each and every borrower who executes this Agreement and related Note(s)) and WebBank, a Utah-chartered industrial bank ("WBK," "we," or "us"). BY ELECTRONICALLY SIGNING THE AGREEMENT, YOU HAVE SIGNIFIED YOUR AGREEMENT TO THESE TERMS. Under this Agreement, you agree to receive and repay one or more installment loans from us, through the website lending platform at W\MN.Lendingclub.com, including any subdomains thereof (the "Site") operated by LendingClub Corporation, a Delaware corporation ("LendingClub"). These terms affect your rights and you should read them carefully and print a copy for your records. Your agreement to these terms means you agree to borrow and repay the money ifyour loan is funded under the terms ofthis Agreement, consent to our privacy policy, agree to transact with us electronically, and agree to have any dispute with us resolved by binding arbitration. 1. Loan Te rms. Your loan will have a principal balance in the amount set forth in the disclosure provided to you. (see the disclosures at htto:/Iwww.lendinoclub.comlacco ' . ' . .~ ~. k u dge tha ' ' ' l loarr ' es made to you are estimates sed-end loans with either a three (3)-year or ve (5)-yeart r ' . : - ' ' r nt and other information provided to you in connection with registeri ‘ d g your obligation to repay principal and interest, are set forth in this i section 3 below. 2. Credit Decisions. Your loan request ust inc u e your annual income an such other informa Ion as we may obtain through the Site. We will consider public assistance, alimony, child support, or separate maintenance income as income if you choose to include such sources of income in your application and such income is likely to continue. We reserve the right to verify any information you submit by requiring you to produce appropriate documentation or other proof, and also reserve the right to conduct such verication through a third party. You hereby authorize us to request and obtain data 'om a third party to verify any information you provide to us in connection with your loan request. We may terminate consideration of your application at any time in our sole discretion._ to commit Jnds for all or part of your loan request but is not obligated to do so. However, we do not warrant or guarantee that your loan request will be Jnded or that you will receive a loan as a result of posting your request. We may elect in our sole discretion to give you a partial Jnding option, if necessary, which means your loan will be Jnded if it receives commitments totaling less than the Jll amount of your requested loan (subject to the loan size minimum). Ifyour loan is goi close and issue loan request suf- Funding of your lo: |fwe extend a loan to you, you agree to execute by power of attorney as described below, and be bound by the terms set forth in, the form of promissory note attached as Exhibit A (the "Note") as to your loan. You agree to execute multiple Notes ifwe request you do so, provided that the aggregate principal amounts ofsuch Notes shall equal the total amount ofyour loan. LendingClub will execute your Note(s) on your behalf pursuant to a power of attorney you grant to LendingClub when registering your loan request. You authorize us to disburse the loan proceeds by Automated Clearing House ("ACH") transfer to your designated account or on your behalfto your selected designee. Following our disbursement ofthe loan proceeds as set forth above, we will assign the Note(s) and your loan to LendingClub. BY COMPLETING YOUR APPLICATION AND SUBMITTING YOUR LOAN REQUEST, YOU ARE COMMITTING TO OBTAIN A LOAN FROM US IN THE AMOUNT AND ON THE TERMS SET FORTH IN YOUR AGREEMENTS WITH WBK (OR ITS ASSIGNEES) AND THE DISCLOSURES PROVIDED TO YOU IN CONNECTION WITH YOUR REQUEST, SHOULD YOUR REQUEST BE FUNDED. YOU HAVE NO RIGHT TO RESCIND THE LOAN ONCE MADE BUT YOU MAY PREPAY THE LOAN AT ANY TIME WITHOUT PENALTY. We will not lend you any Jnds unless and until sufcient commitments are received 'om Investors and/or LendingClub. 4. Making Your Loan Payments. You authorize us and our successors and assigns to debit your designated account by ACH transfer for the amount of each payment due on each due date. Alternatively, you may elect to make payments by personal check by contacting support@lendingclub.com or by regular mail to the Lock Box below. |f you elect to make payments by check, you acknowledge and agree that there will be a $7 check processing fee per payment, subject to applicable law. |f you elect to make payments by check, you 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. This authorization does not affect your obligation to pay when due all amounts payable on your loan, whether or not there are sufcient Jnds in The authoritative document is maintained by LendingClub Corporation and this copy was created Oct 17 2017 02:58:54 This is a copy of an authoritative document such accounts. The foregoing authorization is in addition to, and not in limitation of, any rights ofsetoffwe may have. With regard to payments made by automatic withdrawal, you have the right to stop payment of automatic withdrawals or revoke your prior authorization for automatic withdrawals by notifying your nancial institution at least three (3) banking days before the scheduled date oftransfer. You must notify us ofthe exercise of your right to stop a payment or revoke your authorization for automatic withdrawals at least three (3) banking days before the scheduled date oftransfer. All payments are to be applied rst to the payment of all fees, expenses and other amounts due (excluding principal and interest), then to accrued interest, and the balance on account ofoutstanding principal; provided, however, that alter an Event of Default (as dened below), payments will be applied to your obligations as we determine in our sole discretion. 5. Other Borrower Obligations. You agree that you (A) are a US citizen, permanent resident or Non-Permanent Resident Alien in the US on a valid long term visa and (B) will not, in connection with your loan request: (i) make any false, misleading or deceptive statements or omissions of fact in your listing, including but not limited to your loan description; (ii) misrepresent your identity, or describe, present or portray yourself as a person other than yourself; (iii) give to or receive 'om, or offer or agree to give to or receive 'om 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 ofours, or purport to speakto any person on our behalf; (v) provide, in your loan request or in communications ' - as your race, color, religion, . ort, or separate income (unless - loan proceeds to Ind any post- penses, or room and board (see national origin, sex, marital sta you have included such incom- terms:1087ll&url= luscode/htmllusco . . ' ledge and agree that we may rely without independent verication on the accuracy, authenticity, and completeness of all information you provide to us. You certifythat the proceeds of the loan will not be used for the purpose of purchasing or carrying any securities or to Ind any illegal activity. 6. Fees. If your loan request results in an issued loan, you may be obligated to pay a non-refundable origination fee to the lender issuing your loan. The amount of any fee is stated in the disclosures provided to you and are available for your review in your - - - - - - - - - . If assessed for each failed attempt. The bank that holds your designated account may assess its own fee in addition to the fee we assess. |f Borrower's payment is more than 15 days late, Lender may charge a late fee in an amount the greater of 5% ofthe outstanding payment or $15, to the extent permitted by applicable law. We will charge only one late fee on each late payment. These fees may be collected using ACH transfers initiated by us 'om your designated account. Any such late fee assessed is immediately due and payable. Any payment received alter 3:00 P.M., Mountain time, on a banking day is deemed received on the next succeeding banking day. -nt of Default, we may . . . nd that you immediately pay all amounts owed on your loan or (2) terminate this Agreement. Any loans you obtain prior to the effective date oftermination resulting 'om listings you placed on the Site shall remain in Ill force and effect'In accordance with their terms. 8. Liability of the Borrower and the Co-borrower is Joint and Several. The liability of any co-borrower is joint and several and is co-existent with that ofthe borrower. The liability ofthe co-borrower to repay the loan together with interest, and to observe the terms and conditions ofthis Agreement and any other agreement and documents that may have been or may be executed by you with us in respect ofthis loan or any other loan or loans, is joint and several and consequently we shall have sole discretion to proceed against both or either ofthem to recover the loan and other charges payable by you to us. Further, we can accept instructions 'om either the borrower or the co-borrower, and notice can be given to either the borrower or the co-borrower, and shall be binding on both. 9. Collection & Reporting of Delinquent Loans. We may report information about your account to credit bureaus. Should there be more than one borrower on any loan, we will report that loan account to the credit bureaus in the names of all borrowers. Late payments, missed payments, or other defaults on your account may be reected in your credit report. You agree to pay all costs of collecting any delinquent payments, including reasonable attorneys' fees, as permitted by applicable law. 10. 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) 'om 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 behalf for any and all purposes arising out ofor 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 contact you in anyway, including SMS messages (including text messages), calls using prerecorded messages or articial voice, and calls and messages The authoritative document is maintained by LendingClub Corporation and this copy was created Oct 17 2017 02:58:54 This is a copy of an authoritative document delivered using auto telephone dialing system or an automatic texting system. Automated messages may be played when the telephone is answered, whether by you or someone else. In the event that an agent or representative calls, he or she may also leave a message on your answering machine, voice mail, or send one via text. You consent to receive SMS messages (including text messages), calls and messages (including prerecorded and articial voice and autodialed) from us, our agents, representatives, afliates or anyone calling on our behalf at the specic number(s) you have provided to 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 that you have provided to us are your numbers and not someone else's. You represent that you are permitted to receive calls at each ofthe telephone numbers you have provided to us. You agree to 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 Jture. 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. 11. Assignment of Your Lo : you, (i) assign all of our right, title and interest in this Agree d, acknowledge and agree that LendingClub may sell, assign or - - ' ' ' te o the Note(s) without your consent or notice to you. 12. Entire Agreement. This Agreement and any Note(s) represents the entire agreement between you and us regarding the subject matter hereof and supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between us with respect to your loan request and loan. The WBK Privacy Notice attached as Exhibit B is incorporated by reference into this Agreement. 13. Electronic Transactions. THIS AGREEMENT IS FULLY SUBJECT TO YOUR CONSENT TO ELECTRONIC TRANSACTIONS AND 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. 15. NO WARRANTIES. EXCEPT AS EXPRESSLY SET FORTH IN THIS AGREEMENT, WE MAKE NO REPRESENTATIONS ORWARRANTIES TO YOU, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. 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. 18. Miscellaneous. The parties acknowledge that there are no third party beneciaries to this Agreement. 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 18 shall be null and void. Any waiver ofa breach of any provision ofthis Agreement will not be a waiver of any other subsequent breach. Failure or delay by either party to enforce any term or condition ofthis Agreement will not constitute a waiver ofsuch term or condition. If at any time after the date ofthis Agreement, any ofthe provisions ofthis Agreement shall be held by any court of competent jurisdiction to be illegal, void or unenforceable, such provision shall be of no force and effect, but the illegality and unenforceability ofsuch provision shall have no effect upon and shall not impair the enforceability of any 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. 19. Arbitration. RESOLUTION OF DISPUTES: I HAVE READ THIS PROVISION CAREFULLY AND UNDERSTAND THAT IT LIMITS MY RIGHTS IN THE EVENT OF ADISPUTE BEI'WEEN YOU AND ME. I UNDERSTAND THAT I HAVE THE RIGHT TO REJECT THIS PROVISION AS PROVIDED IN PARAGRAPH (b) BELOW. a. Either party to this Agreement, or LendingClub, 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 19 (the "Arbitration Provision"), unless you opt out as provided in section 19(b) below. As used in this Arbitration Provision, "Claim" shall include any past, present, or Iture claim, dispute, or controversy involving you (or persons claiming through or connected with you), on the one hand, and us and/or LendingClub (or persons claiming through or connected with us and/or The authoritative document is maintained by LendingClub Corporation and this copy was created Oct 17 2017 02:58:54 This is a copy of an authoritative document LendingClub), on the other hand, relating to or arising out ofthis Agreement, any 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 19(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 othenNise); 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 Corporation, 71 Stevenson St., Suite 300, San Francisco CA, 94105, Attention: Legal Department, which is received at the specied address within 30 days ofthe date of your electronic acceptance ofthe terms ofthis 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 the 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. ives and Mediation Services e In accordance with, the rules and y countervailing law. lf you have any 78-7879 or visit the AAA's web site at: vmmv.adr.org. Ifyou have any questi I v ' » v ' rules, you may call 1(- or visit their web site at: www.jamsadr.com. In the case ofa conict between the rules and policies ofthe 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 ofthe administrator apply. c. The party initiating arbitratio (“JAMS"). The arbitration shall policies ofthe administrator se d. Ifwe (or LendingClub) elect arbitration, we (or LendingClub, as the case may be) shall pay all the administrator's ling costs and administrative fees (other than hearing fees). |f you elect arbitration, ling costs and administrative fees (other than hearing fees) shall be paid in accordance with Pay d by he 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 alter 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 by the individual arbitrator that'Is r the Federal- subject to appe if any, so long as the . BASIS (INCLUDING AS PRIVATEATTI ‘ ‘r OFTHE ARBITRATION H r v SSERT ED (O ‘ ASSERi ' SENTATIVE, OR COLLECTIVE ACTIONS IN ACOURT. Unless consented to in writing by all parties to the arbitration, no party to the arbitration mayjoin, consolidate, or otherwise bring claims for or on behalf of two or more individuals or unrelated corporate entities in the same arbitration unless those persons are parties to a single 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 19(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 19(f) shall be determined exclusively by a court and not by the administrator or any arbitrator. f. We agree not to 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 byjudicial 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 of the parties and/or LendingClub; (ii) the bankruptcy or insolvency of any party or other person; and (iii) any transfer of any loan or Note 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 19(f) is deemed invalid or unenforceable, the remaining portions ofthis Arbitration Provision shall nevertheless remain The authoritative document is maintained by LendingClub Corporation and this copy was created Oct 17 2017 02:58:54 This is a copy of an authoritative document valid and in force. If an arbitration is brought on a class, representative, or collective basis, and the limitations on such proceedings in section 19(f) are nally adjudicated pursuant to the last sentence ofsection 19(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 ARBITRATION BY ANY PARTY. Exhibit A PROMISSORY NOTE Borrower name: (not visible to investors) Borrower address: (not visible to investors) Co-Borrower name: Co-Borrower address: (F For value received, | (referred to herein as "Borrower" regardless ofwhether borrower is an individual or a co-borrower) promise to pay to the order ofWebBank or any subsequent holder (“you" or "Lenders") ofthis Promissory Note (the "Note") the principal sum of ($ ) Dollars with interest as set forth below. | intend to be legally bound bythis Note. | have read, understood, and agreed to all ofthe terms ofthis Note. 'E is 30 a ncipal n . u uring ' u ' ' mann Payments of principal and interest in the amount of ($ ) Dollars are to be made by the Borrower to the Lender commencing , 20_, and on the same day of each 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 which the payment was due. Borrower's last p dueto calculation f payment due date | for rounding and/or ment alter the the loan in full. All payments ont ' . . . - er to debit Borrower's designated account by Automated Clearing House ("ACH") transfer for the amount of each payment due on each due date, unless Borrower has elected an alternative method of payment. Borrower may elect to make payments by personal check by contacting support@lendingclub.com or by mail to Wells Fargo Lock Box Services, Dept #34268, 3440 Walnut Ave, Window H, Fremont, CA 94538. |f Borrower elects to make payments by check, borrower acknowledges and agrees that there will be a $7 check processing fee per payment, subject to applicable law. This authorization does not affect Borrower's obligations to pay when due all amounts payable under this Note, whether or not there are sufcient funds therefore in such accounts. The foregoing authorization is in addition to, and not in limitation of, any rights ofsetoff Lender may have. With regard to payments made by automatic withdrawal, Borrower has the right to stop payment of automatic withdrawals or revoke Borrower's prior authorization for automatic withdrawals by notifying Borrower's nancial institution at least three (3) banking days before the scheduled date oftransfer. Borrower will notify Lender ofthe exercise of Borrower's right to stop a payment or revoke Borrower's authorization for automatic withdrawals at least three (3) banking days before the scheduled date oftransfer. All payments are to be applied rst to the payment of all fees, expenses and other amounts due to Lender (excluding principal and interest), then to accrued interest, and the balance on account of outstanding principal; provided, however, that after an Event of Default (as dened below), payments will be applied to Borrower's obligations as Lender determines in its sole discretion. Fees and Charges. Anon-remdable origination fee is paid by Borrower to the Lender in the amount and on the terms set forth in Borrower's agreementwith Lender and is deducted 'om Borrower's loan proceeds. As such, the loan proceeds delivered to Borrower will be less than the Jll amount of Borrower's loan request. Borrower acknowledges that the origination fee will be considered part ofthe principal of Borrower's loan and is subject to the accrual of interest. Borrower agrees to pay a fee of$15, to the extent permitted by applicable law, ifACH transfers or checks are returned or fail due to insufcient Jnds in Borrower's account or for any other reason. Borrower acknowledges that the bank that holds Borrower's designated account may charge a fee in addition to this fee. We may attempt to process your transaction up to two additional times and each The authoritative document is maintained by LendingClub Corporation and this copy was created Oct 17 2017 02:58:54 This is a copy of an authoritative document attempt to collect a payment is considered a separate transaction, so an unsuccessful payment fee will be assessed for each failed attempt. If Borrower's payment is more than 15 days late, Lender may charge a late fee in an amount the greater of 5% ofthe outstanding payment or $15, to the extent permitted by applicable law. These fees may be collected using ACH transfers initiated by us from Borrower's designated account. Any such late fee assessed is immediately due and payable. Any payment received alter 3:00 P.M., Mountain time, on a banking day is deemed received on the next succeeding banking day. Prepayments and Partial Payments. Borrower may make any payment early, in whole or in part, without penalty or premium at any time. Any partial prepayment is to be applied against the principal amount outstanding and does not postpone the due date of anysubsequent monthly installments, unless Lender otherwise agrees 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 of principal and interest that is received by Lender before the date it is due shall be deemed to have been received on the due date solely for the purpose of calculating interest due. 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. the occurrence of an Event of Defa ' .- . - ' ' ' . ' cluding demand upon Borrower to immediately pay all amounts due under ies of 30 days or longer to one or more consumer reporting agencies in accordance with applicable law. 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 any co-borrower is joint and several and is co-existent with that ofthe borrower. The liability ofthe co- borrower to repay the Loan together with interest, and to observe the terms and conditions ofthis Note and any other agreement and documents 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. Miscellaneous. without the prior Lender. Any changes to this Note must be in writing signed by Borrower and Lender. Notices will be mailed electronically to the addresses provided. Controlling Law. Lender is located in the State of Utah and this Note has been executed and delivered in the State of Utah and is deemed a contract made under such state's law. 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 of this Note. STATE LAW NOTICES: CALIFORNIA RESIDENTS ONLY: A married applicant may apply for a separate account. |f Lender takes any adverse action as dened by § 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, 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 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 Illl 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 prepaythe unpaid balance at any time without penalty. The authoritative document is maintained by LendingClub Corporation and this copy was created Oct 17 2017 02:58:54 This is a copy of an authoritative document MARYLAND RESIDENTS ONLY: Lender elects to make this loan pursuant to Subtitle 10 (Credit Grantor Closed End Credit provisions) of Title 12 of the Maryland Commercial Law Article onlyto 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 THISWRITING, WHICH IS THE COMPLETE AND EXCLUSIVE STATEMENT OF THE AGREEMENT BETWEEN US, EXCEPT ASWE MAY LATER AGREE IN WRITING TO MODIFY IT. 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 appl 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 p ‘ ' " ar I " t ill be taken by Lender unless ay obtain a consumer credit report in esult ofthis application. If Borrower obtained, ifso, the na ‘ ddre fthe agencythat 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, ation i eing ed i e intq_ I lateral tem- 766.59 ofthe Wisconsin statutes or court decree under § 766.70 adversely affects Lender's interest unless, prior to the time that the loan is approved, Lender is furnished with a copy ofthe marital property agreement, statement, or decree or have actual knowledge ofthe adverse provision. Ifthis loan for which Borrower is applying is granted, Borrower will notify Lender if Borrower has a spouse who needs to receive notication that credit has been extended to Borrower. SCREEN NAME OF BORROWER & CO-BORROWER (if any) BY: LENDINGCLU e -PORATI i * “ BO' - A ORROW if anyATTORNEY-IN-F FACTS WHAT DOES WEBBANK DO WITH YOUR PERSONAL INFORMATION IN CONNECTION WITH YOUR LENDINGCLUB Exhibit B WBK PRIVACY (SIGNED ELECT 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 what we do. ‘ 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 a Credit history and credit scores When you are no longer our customer, we continue to share your information as described in this notice. All nancial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons nancial companies can share their customers' personal information; the reasons WebBank chooses to share; and whether you can limit this sharing. The authoritative document is maintained by LendingClub Corporation and this copy was created Oct 17 2017 02:58:54 This is a copy of an authoritative document For our everyday business purposes - such as to process your YES NO transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus For our marketing purposes - to offer our products and services to YES NO you For joint marketing with other financial companies NO We don't share For our affiliates' everyday business purposes - information about NO We don't share your transactions and experiences For our affiliates' everyday business purposes - information about NO We don't share your creditworthiness For our affiliates to market to you NO We don't share For non-affiliates to market to you NO We don't share measures include computer sa guards and secured les and buildings. How does WebBank collect my pe rsonal information? We collect your personal information, for example, when you o Open an account or pay us by check o Provide account information or give us your contact information o Show your driver's license 9:: II:”it“ “Winter? r | law g v s you limit) aring rafliat s ever ybu n ss pu p ses i r atiombout urcre i orthi e s 1 liates rmati o mar to y o:Sharing for non-afliates companies to market to you wdbl _l State laws and individual companies may give you additional rights to limit sharing. What happens when I limit sharing for an account l hold jointly WebBank does not offerjoint LendingClub accounts. with someone els\e? Definitions Affi liate s Non-affiliates Companies not related by common ownership or control. They can be nancial and nonnancial companies. - WebBank does not share with non-afliates so they can market to you Joint marketing Aformal agreement between nonafliated nancial companies that together market nancial products or services to you. - WebBank doesn't jointly market The authoritative document is maintained by LendingClub Corporation and this copy was created Oct 17 2017 02:58:54 Loan Id: 68852309 This is a copy of an authoritative document LOAN SUMMARY 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: Loan Documents Jarman Cabayan Member-6091 215 Shipley ave DALY crrY. CA 94015 CC)?10/9/18 Document Name Dateltime Document Version Signed BorrowerAgreement 1/25/16 03:56:37 PM PST LC_SEC_V16 CreditScore Notice LC_SEC_V4 T lnL n ng s o ure of e and C n ent P eAuth r ation Au o-iza'o for matic Q 1125/16 03:56:37 PM PST' 25 ure 11.11 7 119/ A 1/25 e W l The authoritative document is maintained by LendingClub Corporation and this copy was created Oct 09 2018 08:01 :30 \X EXHIBIT B LotNo ID LOAN_| GREAT PRNCP PRNCP |NT_AC |NT_PA| |NT_BA FEE_AC FEE_PA FEE_BA LCFEE_ LCFEE_ LCFEE_ STATUS STATUS DUE_D DUE_A PULL_A RECEIV RECEIV CASE_| PULL_D PRNCP ROI TYPE ORIG_D POSTIN PEND PENDI PEND F D E_D _PAID _BAL CR D L CR ID L ACCR PAID BAL _D MT MT ED_D _E|_D_AM D _0U'r UE_D G_D Pang? 31PM ELM LOT957 A8578” 9‘30 329/201 113.09 0.0000 214.3 214.8 0.0000 0.0000 0 0.0000 0.0000 0.0000 0.0000 17 §I29I201 EINIZM 327.. 327.. 363/1220}: 327.89 3/26/201 12000 3:15765 1 :129/201 gas/201 0 0 0: : :v 9:12:07 8:31:53 12:00:00 AM 12:00:00 12:00:00 AM AM AM AM AM LOT957 1968581 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0.0000 0.0000 17 61281201 61291201 327.89 327.89 71512016 327.89 61281201 11535.3 0.01761 1 61291201 61291201 0 0 0 0 9 3 7 7 8:55:31 4854472 5751979 6 8:20:44 8:03:35 12:00:00 AM 12:00:00 3 12:00zw AM AM AM AM AM LOT957 2426174 61291201 123.580 0.0000 204.308 204.308 0.0000 0.0000 0 0.0000 0.0000 0.0000 0.0000 17 71291201 71281201 327.88 327.88 81312016 327.89 71281201 11413.8 0.01761 1 71291201 71291201 0 0 0 6 8 5 5 5 8:10:12 4128367 2728503 6 3:06:49 7:12:36 12:00:00 AM 12:00:00 3 12:00:00 AM AM AM AM AM LOT957 2555107 7129mm 125.792 0.0000 202.097 202.097 0.0000 0.0000 0 0.0000 0.0000 0.0000 0.0000 17 81291201 1131201 327.89 327.89 91112016 327.89 81261201 11290.3 0.01760 1 81291201 81291201 0 0 0 4 9 5 5 5 8:31:45 6083265 9584127 6 3:06:51 7:58:20 2:00:00 AM 12:00:00 2 2:00:00 AM AM 1M AM AM LOT957 2673717 9‘30 81291201 ;28.044 0.0000 $99845 399.845 0.0000 0.0000 0 0.0000 0.0000 0.0000 0.0000 17 91291201 91291201 327.89 327.89 10141201 327.89 91281201 34555 33011796706 1 91291201 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AM AM AM LOT957 3166175 12129120 137.461 0.0000 190.428 190.428 0.0000 0.0000 0 0.0000 0.0000 0.0000 0.0000 17 11301201 11291201 327.. 327.. 2R12017 327.89 11271201 10638.4 0.01759 1 11291201 11301201 0 0 0 2 9 16 3 7 7 7 7 10:57:07 7 7459020 178852 7 7 6:11:24 10:39:01 12:00:00 AM 12:00:00 7 12:00:00 AM AM AM AM AM LOT957 3297415 11291201 139.921 0.0000 187.968 187.968 0.0000 0.0000 0 0.0000 0.0000 0.0000 0.0000 17 21281201 2128mm 327.89 327.89 313017 327.89 21271201 10501.0 0.01758 1 21281201 21281201 0 0 0 8 9 9 1 1 9:49:28 1328537 7753942 7 6:18:59 10:40:01 12:00:00 AM 12:00:00 3 12:00:00 AM AM AM AM AM LOT957 3429584 21281201 142.426 0.0000 185.463 185.463 0.0000 0.0000 0 0.0000 0.0000 0.0000 0.0000 17 31291201 31291201 327.89 327.89 41312017 327.89 31281201 10361.0 0.01758 1 31291201 31291201 0 0 0 3 9 5 5 5 7 9:13:57 9142318 35372 7 4:32:20 6:54:05 12:00:00 12:00:00 1 12:00:00 AM AM AM AM AM LOT957 3561689 31291201 144.975 0.0000 182.914 182.914 0.0000 0.0000 0 0.0000 0.0000 0.0000 0.0000 17 51112017 41291201 327.. 327.. 51412017 327.89 41281201 10218.6 0.01757 1 41291201 51112017 0 0 0 6 9 9 1 1 10:16:00 7 7:51:56 6495965 9126382 4:25:41 AM 12:00:00 12:00:00 6 12:00:00 AM AM AM AM LOT957 3703609 9‘30 41291201 0.0000 0.0000 180.319 0.0000 0.0000 16.39 0 0.0000 0.0000 0.0000 0.0000 16 61291201 5129R01 327.89 321w 0 51261201 3383.463 1 51291201 0 0 0 4:14:37 4:17:36 12:00:00 12:00:00 5 12:00:00 AM AM AM AM AM LOT957 143833130 9‘30 51291201 0.0000 147.571 180.318 0.0000 180.319 0.0000 0 16.39 0.0000 0.0000 0.0000 16 7R91201 91281201 672.17 672.17 0 91281201 383.463 1 61291201 0 0 0 4:24:53 4:07:45 12:00:00 12:00:00 5 12:00:00 AM AM AM AM AM LOT957 3964368 9‘30 $12901 0.0000 395.141 180.319 0.0000 360.638 0.0000 0 16.39 0.0000 0.0000 0.0000 16 81291201 7m1201 1000.06 1000.06 0 ;1281201 Aggggfa 1 71291201 0 0 0 4:26:21 4:17:56 12:00:00 12:00:00 5 12:00:00 AM AM AM AM AM LOT957 4098306 71291201 0.0000 442.712 180.319 33.61 540.95 0.0000 16.39 16.39 0.0000 0.0000 0.0000 16 91291201 8129R01 1327.95 1327.95 91512017 50 81281201 10073.6 0.00434 1 81291201 0 0 0 6 9 7 9 1 7 7 1:05:06 7 8906243 660031 4:17:10 4:17:49 12:00:00 PM 12:00:00 5 12:00:00 AM AM AM AM AM LOT957 4243652 81291201 0.0000 590.283 180.318 50 687.666 0.0000 0 0.0000 0.0000 0.0000 0.0000 16 8R91201 91281201 1605.84 1605.84 10151201 50 91281201 10073.6 - 1 91291201 0 0 0 3 9 7 9 1 7 7 7 7 8906243 0.99508 4:29:28 10:22:49 12:00:00 1:03:44 12:00:00 5 6209263 12:00:00 AM PM AM PM AM AM LOT957 4379007 -30 9129mm 0.0000 337.854 50 0.0000 217.985 0.0000 0 0.0000 0.0000 0.0000 0.0000 19 91291201 7129120 0 1883.73 0 )127120 3383.463 -1 1 '129120 0 0 0 4:29:08 10:22:49 n- u 5 AM PM 1 KOOONQUILWNu-t NNNNNNNNNHHh-b-Hb-b-h-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO Electmnicaily Christopher D. Mandarich SB 220693 “5”“E'““¢”‘”*‘*'”“”“'Cm” “'5’" “1““ Ajay Sood SB325294 3N 4/27/2021 Hayk Stambultsyan SB320973 By fflnthnnv Bgrini Amber Swearingen-Ojuri SB324653 Deputy Elerlt MANDARICH LAW GROUP, LLP P.O. Box 109032 Chicago, IL 60610 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintifl: VELOCITYINVESTMENTS, LLC SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED VELOCITY INVESTMENTS, LLC, Case No. 21 -CLJ-02462 Plaintiff, VS FILE BY FAX COMPLAINT FOR: 1. BREACH OF CONTRACT RYAN POTTER, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant DEMAND: $4,596.94 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1. Plaintiff is and at all times herein mentioned, VELOCITY INVESTMENTS, LLC, and successor in interest to original creditor, WebBank. 2. Plaintiff is the only entity that purchased the debt after charge-off and its name and address is as follows: VELOCITY INVESTMENTS, LLC; 1800 Route 34N Suite 404A , Wall NJ 077 1 9. 3. Plaintiff is a debt buyer, and is the sole owner of the debt at issue. 4. The charge-off creditor at the time of charge-off is Soros, 221 MAIN STREET, THIRD FLOOR, SAN FRANCISCO, CA 94105, and the account number associated With this debt is XX70 1 8. 5. Plaintiff is informed and believes that Defendant are individuals who currently reside within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the proper Court for trial of this action. Exhibit "34"COMPLAINT-l 0f 5 KOOONONUILWNr-t NNNNNNNNNHh-h-b-Hb-h-th-HH OOVQKJIJ>UJN~OKOOOQONM$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 RYAN POTTER , 3662 GLENWOOD AVE , REDWOOD CITY, CA 9406. 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 XX70 1 8 (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 April 19, 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 0n the Account. 15. The debt balance at charge-offwas $4,596.94, 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 $4,596.94. 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 $4,596.94. 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 $4,596.94 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 0f 5 KOOONONUI-bUJNr-t NNNNNNNNNHh-kb-Ab-Ab-b-h-h-Hb-t OONQMJ>WN~O©OONONM$UJNHO WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $4,596.94, 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: 04/16/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-5 0f 5 Qflx/M X]Christopher D. Mandarich, Esq. Attorneysfor Plaintifl EXHIBIT A 11/10/2017 Borrower Promissory Note Borrower Promissory Note PRO PER Promissory Note Loan ID:I7o18 Borrower Address: Ryan Potter, 3662 Glenwood Ave Redwood City, CA 94062. 1. Promise to Pay. In return for a loan | have received, | promise to payWebBank ("you") the principal sum of six thousand dollars ($6,000.00), together with interest thereon commencing on the date of origination at the rate of twenty point four three percent (20.43%) per annum simple interest. | understand that references in this Promissory Note ("Note") to you shall also include any person to whom you transfer this Note. 2. Payments. l will pay the principal, interest, and any late charges or other fees on this Note when due. This Note is payable in 36 monthly installments of $224.30 each, consisting of principal and interest, commencing on the 17th day of June 2016, and continuing until the nal payment date ofMay 17 2019, 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 incurred as a result of failed payments, as provided in Paragraph 11; then to any charges for making payments other than as provided in this Note; then to any late charges then due; then to any interest then due; and then to principal. No unpaid interest or charges will be added to principal. | further acknowledge that, if | 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 | will pay will be the rate | will pay both before and after any default. 4. Late Charge. If the full amount of any monthly payment is not made by the end of fteen (15) calendar days after its due date, | will pay you a late charge of the greater of $15 or 5.00% of the late payment. | will pay this late charge when it is assessed but only once on each late payment. 5. Waiver of Defenses; Exception to Waiver. Except as othenNise 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 | have a dispute with any person from whom | have purchased such property or services, | agree to settle the dispute directly with that person. | further certify that, to my knowledge, the proceeds of my loan will not be applied in whole or part to purchase property or services from any person to whom any interest in this Note may be assigned. If, notwithstanding the preceding sentence, any person from whom | have purchased such property acquires any interest in this Note, then Paragraph 5 will not apply to the extent of that person's interest, even if that person later assigns that person's interest to another person. 6. Certification. | 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. section. 1026.46(b)(3)." 7. Method of Payment. You have given me the choice of making my monthly payments (i) by automated withdrawal from an account that | designate using an automated clearinghouse (ACH) or other electronic fund transfer in the manner described in the debit authorization | execute, or (ii) by manually scheduled one-time withdrawals from an account that | designate using an ACH or other electronic fund transfer, made by logging onto my account on the Prosper website or by calling Prosper Borrower Services at-, with my rst payment being scheduled during the application process; and | have chosen one of these methods. | also understand that | may pay my monthly payments by check. If | have chosen to pay by check by calling Prosper Borrower Services at (- - and arranging such method of payment, | will make the check payable to Prosper Funding LLC and send the payment check to Prosper Marketplace, Inc., P.O. Box 396081, San Francisco, CA 94139-6081 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, | will reference my loan number on the check. | recognize that if | have automated withdrawal enabled, it is my responsibility to ensure that all amounts | owe are paid when due, even if not debited from my account. If | close my account or if my account changes or is othenNise inaccessible such that you are unable to withdraw my payments from that account or process my check, | will notify you at least three (3) business days prior to any such closure, change or inaccessibility of my account, and authorize you to withdraw my payments, or | will provide a check, from another account that | designate. 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 https://www.prosper.com[secure/accountlcommonlagreem ent_view_secure.aspx?agreement_id=66686493 1/5 11/10/2017 Borrower Promissory Note nancial 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. |f | fail to make any payment when due in the manner required by Paragraph 7, | will be delinquent. lf | (a) am delinquent, (b) le or have instituted against me a bankruptcy or insolvency proceeding or make any assignment for the benet 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. lf you deem me in default due to delinquency and if you exercise the remedy of acceleration, you will give me at least thirty (30) days prior notice of acceleration. 9. Prepayments. l 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 ofcial certication 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 if | 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. 11. Insufficient Funds Charge. lf l 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) insufcient funds in my account, (ii) the closure, change or inaccessibility of my account without my having notied 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. lf a law that applies to my 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 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. l 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 othenNise 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@prosper.com or c/o Prosper Marketplace, lnc., 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 modied or limited except by a written 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: 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 (i) BELOW. (a) ln this Resolution of Disputes provision: (i) "l", "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 forWebBank, 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, afliates, predecessors, successors, and assigns, as well as the ofcers, directors, and employees of each of them; and https://www.prosper.com[secure/accountlcommonlagreem ent_view_secure.aspx?agreement_id=66686493 2/5 11/10/2017 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 l am not a member of a certied class), and includes claims that are brought as counterclaims, cross claims, third party claims or othenNise, 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 led ("Rules"). Any arbitration under this arbitration agreement will take place on an individual basis; class arbitrations and class actions are not permitted. lf l le a claim, l may choose the administrator; if you le 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). l 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, -, www.jamsadr.com. Your address for serving any arbitration demand or claim is WebBank, c/o Prosper Marketplace, lnc., 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 led 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 ling 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. lf an arbitrator issues an award in your favor, l will not be required to reimburse you for any fees you have previously paid to the administrator or for which you are responsible. lf l 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 will 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 ndings of fact and conclusions of law. The arbitrator shall have the power to award any relief authorized under applicable law. Any appropriate court may enterjudgment upon the arbitrator‘s award. The arbitrator‘s decision will be nal 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 nal and binding, except for any appeal right under the FAA. Unless applicable law provides othenNise, 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 l 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 I agree othenNise 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 conict between the Rules and this section. (h) YOU AND I 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 I 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 PERMITI'ED IN PARAGRAPH (e) OR UNDER THE FEDERAL ARBITRATION ACT). (i) I understand that I may reject the provisions of this Section 18, in which case neither you nor I 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, I must send you written notice of my rejection within 30 days after the date that this Note was made. I must include my name, address, and account number. The notice of rejection must be mailed to WebBank, c/o Prosper Marketplace, Inc., 221 Main Street, San Francisco, CA 94105, Attention: Legal Department. This is the only way that I can reject this Section 18. (j) You and I 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/accountlcommonlagreem ent_view_secure.aspx?agreement_id=66686493 3/5 11/10/2017 Borrower Promissory Note 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 PROSPER.COM, 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 benecial owners of interests in this Note (the "Note Owners"). The person or persons identied 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 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. 21. State Notices California Residents Married registrants may apply for a separate account. As required by law, l am hereby notied that a negative credit report reecting on my credit record may be submitted to a credit reporting agency if l fail to fulll 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 nancial 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 As required by Utah law, l am hereby notied that a negative credit report reecting on my credit record may be submitted to a credit reporting agency if I fail to fulll the terms of my credit obligations. https://www.prosper.com[secure/accountlcommonlagreem ent_view_secure.aspx?agreement_id=66686493 4/5 11/10/2017 Borrower Promissory Note This Note is the nal expression of the agreement between the parties and may not be contradicted by evidence of any alleged oral agreement. 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.By signing this Note, l acknowledge that l (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 lled-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 UNDERTHIS 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: May 17 2016 By: Prosper Marketplace, Inc. Attorney-in-Fact for Ryan Potter [Borrower] (Signed Electronically) Last Updated: March 2016 Copyright 2005-2017 Prosper Markemlace, Inc. All rights reserved. https://www.prosper.com[secure/accountlcommonlagreem ent_view_secure.aspx?agreement_id=66686493 5/5 EXHIBIT B rstn lash middl Loan Loan Bate Anna Burro Arno Loan DPD Sche Pay Expe Dans Dela Dela Defa Cree! Great Great Modif Modif Modif Versi Versi Versi Next Next Islnc BaID Pn'nB IntBa Late NSF ImBa IsAut Bank GLR Servi Sewn IslnP Seal Loan Loan Loan Loan char am ame ena Debi ID hJabl unn werS untP Smu duled men! med Clos ultSa ultRe ultRe edDa edUs edTr iedD iedU iedTr onSt onEn onVa Pay Pay ollecl ate al | FeeB FeeB IDain oAch Draft ewar eingT dng romo ems Exte Exte Exte Exhe e o me IID D rm tated astD sTyp Mont Day Matu ed lesta ason ason ts er ansa ate ser ansa artDa dDat lidBit men! men! ions al al Aocr Off FeeB dBaI tans Pare !iona| ntsta nsion nsion nsion nsion _Da ation Imer ue eslD hlyP OtMo n'tyD n15 Date conl ctionl he e Due Due ual al antic ntTIa Perio tuslD shtu Term Oer Exec te D estR ayrne nthD ate D D Arne nlD nsact d sID Date uon ate ntAm ue unt ionlD Date ount Ryan Potts 4654 .70 5/13] 0.20 0 1 0 224. 17 5/17] NUL 1 NUL NUL 5/13] 1921 5/17] 1922 5I13I 5/17] 1 6/17] 224. 0 5/17] 6000 0 0 0 0 1 0 0 D NUL 0 NUL NUL NUL NUL NUL 9/14! r 3421 18 2016 3 2019 L L L 2016 8694 2016 1824 2016 2016 2016 3 2016 L L L L L L 2017 12:0 12:0 4:20: e 4:48: B 4:20: 4:48: 12:0 12:0 12:0 0:00 0:00 44 09 44 09 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan Potte 4681 I70 5/11] 0.20 0 1 0 224. 11 5/17] NUL 1 NUL NUL 5/11] 1922 5(19I 1923 5/11/ 5/19! 1 6/11/ 224. 0 5/11! 6000 0 0 0 3.35 0 0 0 4184 NUL 0 NUL NUL NUL NUL NUL 9/14! r 5659 18 2016 3 2019 L L L 2016 1824 2016 3945 2016 2016 2016 3 2016 8356 3115 L L L L L L 2011 12:0 12:0 4:48: 8 12:2 8 4:48: 12:2 12:0 12:0 12:0 0:00 0:00 09 6:36 09 6:36 0:00 0:00 0:00 AM AM PM AM PM AM AM AM Ryan P0116 4717 .70 5/19] 0.20 0 1 0 224. 17 5/17] NUL 1 NUL NUL 5/19! 1923 6/10] 1927 5/19] 6I101 1 6I17I 224. 0 5/19! 6000 6.72 O 0 3.35 0 0 0 174B NUL 0 NUL NUL NUL NUL NUL 9/14] r 9081 18 2016 3 2019 L L L 2016 3945 2016 9032 2016 2016 2016 3 2016 8356 0476 L L L L L L 2017 12:0 12:0 12:2 8 3:45: 0 12:2 3:45: 12:0 12:0 12:0 0:00 0:00 6:36 28 6:36 28 0:00 0:00 0:00 AM AM AM AM AM AM AM AM AM Ryan Potts 4853 .10 6/10] 0.20 0 1 0 224. 11 5/11/ NUL 1 NUL NUL 6/10/ 1921 6/11/ 1921 6/10/ 6/11/ 1 6/11/ 224. 0 6/10/ 6000 80.6 0 0 3.35 0 0 0 1883 NUL 0 0 NUL NUL NUL NUL 9/14! r 8385 18 2016 3 2019 L L L 2016 9032 2016 9032 2016 2016 2016 3 2016 8356 6682 L L L L L 2011 12:0 12:0 3:45: 0 8:32: 0 3:45 8:32: 12:0 12:0 12:0 0:00 0:00 28 16 28 16 0:00 0:00 0:00 AM AM AM PM AM PM AM AM AM Ryan P0116 4857 .70 6/12] 0.20 0 1 0 224. 17 5117/ NUL 1 NUL NUL 6/11! 1927 7M 1936 6I11I 7/8/2 1 6I17I 224. 0 6/12! 5862 0 0 0 3.28 0 0 0 4414 NUL 0 0 NUL NUL NUL NUL 9I14I r 6111 18 2016 3 2019 L L L 2016 9032 016 5099 2016 016 2016 3 2016 .32 1293 0176 L L L L L 2017 12:0 12:0 8:32: 0 9:30: 9 8:32: 9:30: 12:0 12:0 12:0 0:00 0:00 16 49 16 49 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan Potts 5065 .10 1/9/2 0.20 0 1 0 224. 11 5/11/ NUL 1 NUL NUL 7/8/2 1936 1/10/ 1936 1I8I2 1I10/ 1 1I11l 224. 0 7/9/2 5650 0 0 0 3.16 0 0 0 4615 NUL 0 0 0 NUL NUL NUL 9I14/ r 1838 18 016 3 2019 L L L 016 5099 2016 5099 016 2016 2016 3 016 .91 2961 3319 L L L L 2011 12:0 12:0 9:30: 9 3:22: 9 9:30: 3:22: 12:0 12:0 12:0 0:00 0:00 49 15 49 15 0:00 0:00 0:00 AM AM PM AM PM AM AM AM AM Ryan Pane 5077 .70 7/10/ 0.20 0 1 0 224. 17 5/17/ NUL 1 NUL NUL 7/10/ 1936 7/18/ 1938 7/10/ 7/18/ 1 7l17/ 224. 0 7/10/ 5650 3.17 0 0 3.16 0 0 0 2111 NUL 0 0 0 NUL NUL NUL 9/14/ r 8341 18 2016 3 2018 L L L 2016 5099 2016 9607 2016 2016 2016 3 2016 .91 2861 2187 L L L L 2017 12:0 12:0 3:22: 9 11:5 4 3:2: 11:5 12:0 12:0 12:0 0:00 0:00 15 5:30 15 5:30 0:00 0:00 0:00 AM AM AM PM AM PM AM AM AM Ryan Pmte 5131 I10 1/19/ 0.20 0 1 0 224. 11 5/11/ NUL 1 NUL NUL 1118/ 1938 8/5/2 1943 1/18/ 8/5/2 1 8/11/ 224. 0 1119/ 5650 31.6 0 0 3.16 O 0 0 2111 NUL O 0 0 NUL NUL NUL 9/14/ r 8219 18 2016 3 2019 L L L 2016 9601 016 0130 2016 016 2016 3 2016 .91 3 2961 1816 L L L L 2011 12:0 12:0 11:5 4 2:28: 4 11:5 2:28: 12:0 12:0 12:0 0:00 0:00 5:30 20 5:30 20 0:00 0:00 0:00 AM AM PM AM PM AM AM AM AM Ryan Potte 5248 I10 8I5I2 0.20 0 1 0 224. 11 5/11/ NUL 1 NUL NUL 8I5/2 1943 8/10/ 1944 8/5/2 8/10/ 1 8111/ 0 0 8/5I2 5436 0 0 0 3.04 0 0 0 4915 NUL 0 0 0 NUL NUL NUL 9/14/ r 7315 18 016 3 2018 L L L 016 0730 2016 2883 016 2016 2016 016 .31 2844 8051 L L L L 2017 12:0 12:0 2:28: 4 3:24: 1 2:28: 3:24: 12:0 12:0 12:0 0:00 0:00 20 53 20 53 0:00 0:00 0:00 AM AM AM PM AM PM AM AM AM Ryan Pane 5211 I10 8/10/ 0.20 0 1 0 224. 11 5/11/ NUL 1 NUL NUL 8/101 1944 8/19/ 1945 8/10/ 8/19/ 1 8/11/ 0 O 8/10/ 5436 15.2 0 0 3.04 1 0 0 4960 NUL O 0 0 NUL NUL NUL 9/14/ r 1134 18 2016 3 2019 L L L 2016 2983 2016 6490 2016 2016 2016 201 .31 2 2844 0321 L L L L 2011 12:0 12:0 3:24: 1 12:5 6 3:24: 12:5 12:0 12:0 12:0 0:00 0:00 53 1:04 53 1:04 0:00 0:00 0:00 AM AM PM AM PM AM AM AM AM Ryan Pane 5318 .10 8I19I 0.20 0 1 0 224. 11 5/11/ NUL 1 NUL NUL 8/19/ 1945 9/16/ 1952 19/ 16/ 1 9/11/ 224. 0 8/19/ 5436 42.6 0 0 3.04 1 0 0 2353 NUL 0 0 0 NUL NUL NUL 9I14/ r 3841 18 2016 3 2019 L L L 2016 6490 2016 9139 2016 2016 2016 3 2016 .31 2844 4558 L L L L 2017 12:0 12:0 12:5 6 5:23: 7 12:5 5:23: 12:0 12:0 12:0 0:00 0:00 1:04 12 1:04 12 0:00 0:00 0:00 AM AM AM AM AM AM AM AM AM Ryan Potte 5466 I70 9/16/ 0.20 0 1 0 224. 11 5/11/ NUL 1 NUL NUL 9/16/ 1952 9/18/ 1952 9/16/ 9/18/ 1 9/11/ 0 0 9/16/ 5264 0 0 0 2.94 1 0 0 5289 NUL 0 0 0 NUL NUL NUL 9/14/ r 2541 18 2016 3 2019 L L L 2016 9139 2016 9139 2016 2016 2016 201 .11 6459 0820 L L L L 2011 12:0 12:0 5:23: 7 1:13: 7 5:23 1:13: 12:0 12:0 12:0 0:00 0:00 12 31 12 31 0:00 0:00 0:00 AM AM AM AM AM AM AM AM AM Ryan Pane 5411 .10 9/18/ 0.20 0 1 0 224. 11 5/11/ NUL 1 NUL NUL 9/18/ 1952 10/1 1960 18/ 10/1 1 10/1 224. 0 9/18/ 5264 5.89 0 0 2.94 1 0 0 2513 NUL 0 0 0 NUL NUL NUL 9I14/ r 1645 18 2016 3 2019 L L L 201 9139 4/20 1264 2016 20 7/20 3 201 .11 6459 4815 L L L L 2017 12:0 12:0 1:13: 7 16 0 1:13 16 16 12:0 12:0 0:00 0:00 31 10:4 31 10:4 12:0 0:00 0:00 AM AM AM 6:14 AM 6:14 0:00 AM AM AM AM AM Ryan Pane 5624 I10 10/1 0.20 0 1 0 224. 11 5/11/ NUL 1 NUL NUL 10/1 1960 10I1 1962 10/1 10/1 1 10/1 0 0 10/1 5096 0 0 0 2.85 1 0 0 5543 NUL 0 0 0 NUL NUL NUL 9/14/ r 1569 18 4/20 3 2019 L L L 4/20 1264 9/20 0992 [20 9/20 1/20 4/20 .61 2105 4963 L L L L 2011 16 12:0 16 0 16 1 16 16 16 16 12:0 12:0 0:00 10:4 1:15: 10:4 1:15: 12:0 12:0 0:00 0:00 AM 6:14 02 6:14 02 0:00 0:00 AM AM AM AM AM AM AM AM Ryan P0115 5650 .70 10l1 0.20 0 1 0 224. 17 5l17l NUL 1 NUL NUL 10l1 1962 11I1 1967 10/1 11/1 1 11l1 224. 0 10I1 5096 14.2 0 0 2.85 1 0 0 2684 NUL 0 0 0 NUL NUL NUL 9I14I r 6018 18 9/20 3 2019 L L L 9/20 0992 I20 4491 9/20 0/20 1/20 3 9/20 .61 1 2105 1251 L L L L 2011 16 12:0 16 7 16 7 16 16 16 16 12:0 12:0 0:00 1:15: 7:58: 1:15 7:58: 12:0 12:0 0:00 0:00 AM 02 15 02 15 0:00 0:00 AM AM AM AM AM AM AM AM Ryan Pane 5768 .70 11I1 0.20 0 1 0 224. 17 5/17/ NUL 1 NUL NUL 11I1 1967 11/1 1869 11/1 11/1 1 11l1 0 0 11I1 4823 0 0 0 2.75 1 0 0 5780 NUL 0 0 0 NUL NUL NUL 8/14/ r 1965 18 0/20 3 2019 L L L 0/20 4491 [20 9887 0/20 8/20 1/20 0/20 .64 5889 9110 L L L L 2011 16 12:0 16 1 16 2 16 16 16 16 12:0 12:0 0:00 7:58: 1:23: 7:58: 1:23: 12:0 12:0 0:00 0:00 AM 15 11 15 11 0:00 0:00 AM AM AM AM AM AM AM AM Ryan P0115 5816 .70 11l1 0.20 0 1 0 224. 17 5l17l NUL 1 NUL NUL 11l1 19w 1975 11/1 1 1 12l1 224. 0 11I1 4923 22.0 0 0 2.75 1 0 0 2849 NUL 0 0 0 NUL NUL NUL 9I14I r 2022 18 8I20 3 2019 L L L 8/20 9881 2016 2319 8/20 2016 1/20 3 8/20 .64 4 5889 6926 L L L L 2011 16 12:0 16 2 11:4 7 16 11:4 16 16 12:0 12:0 0:00 1:23: 5:45 12m: 5:45 12:0 12:0 0:00 0:00 AM 17 AM 17 AM 0:00 0:00 AM AM AM AM AM AM Ryan Pane 5929 .70 12/91 0.20 0 1 0 224. 17 5/17/ NUL 1 NUL NUL 12l9/ 1875 12l1 1976 12l1 1 12l1 0 0 12I9l 4779 0 0 0 2.67 1 0 0 6043 NUL 0 0 0 NUL NUL NUL 8/14/ r 7945 18 2016 3 2019 L L L 2016 2319 9/20 6815 2016 9/20 1I20 2016 .26 5016 8451 L L L L 2011 12:0 12:0 11:4 1 16 2 11:4 16 16 12:0 12:0 0:00 0:00 5:45 1:04: 5: 1:04: 12:0 0:00 0:00 AM AM AM 34 AM 34 0:00 AM AM AM AM AM Ryan Poke 5980 .70 12/1 0.20 0 0 224. 17 5/17] NUL NUL NUL 12l1 1976 1/10/ 1982 12l1 1/10] 1l17/ 224. 12l1 4779 26.7 2.67 3026 NUL NUL NUL NUL 9/14! r 5531 18 9/20 3 2019 L L L 9/20 6815 2017 6756 9/20 2017 2017 3 9/20 .26 5 5076 9355 L L L L 2017 16 12:0 16 2 9:26: 0 16 9:26: 12:0 16 12:0 12:0 0:00 1:04: 26 1:04: 26 0:00 12:0 0:00 0:00 AM 34 PM 34 PM AM 0:00 AM AM AM AM AM Ryan Potts 6101 .70 1/11/ 0.20 0 0 224. 17 5/17] NUL NUL NUL 1/10] 1982 1/18/ 1984 1I10I 1I1BI 1I17I 0 1/11/ 4643 0 2.59 6334 NUL NUL NUL NUL 9/14] r 4935 18 2017 3 2019 L L L 2017 6756 2017 5114 2017 2017 2017 2017 .23 8937 3909 L L L L 2017 12:0 12:0 9:26: 0 11:1 6 9:26: 11:1 12:0 12:0 12:0 0:00 0:00 26 0:17 26 0:17 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan Pane 6149 .70 1/19I 0.20 0 0 224. 17 5/17] NUL NUL NUL 1/18/ 1984 2l3l2 1987 1/18/ 2/3/2 2I17/ 224. 1/19/ 4643 20.8 2.59 3203 NUL NUL NUL NUL 9/14! r 2949 18 2017 3 2019 L L L 2017 5114 017 7319 2017 017 2017 3 2017 .23 8937 4300 L L L L 2017 12:0 12:0 11:1 6 4:18: 7 11:1 4:18: 12:0 12:0 12:0 0:00 0:00 0:17 55 0:17 55 0:00 0:00 0:00 AM AM PM AM PM AM AM AM AM Ryan P0116 6233 .70 2/3/2 0.20 0 0 224. 17 5/17/ NUL NUL NUL 2/3/2 1987 2/17/ 1991 213/2 2/17/ 2/17I 0 2/3/2 4478 0 2.50 6555 NUL NUL NUL NUL 9I14I r 4739 18 017 3 2019 L L L 017 7319 2017 6822 017 2017 2017 017 .71 6851 1244 L L L L 2017 12:0 12:0 4:18: 7 11:5 0 4:18: 11:5 12:0 12:0 12:0 0:00 0:00 55 3:06 55 3:06 0:00 0:00 0:00 AM AM AM PM AM PM AM AM AM Ryan P0115 6311 .70 2118/ 0.20 0 0 224. 17 5/17/ NUL NUL NUL 2/17/ 1991 3m 1995 2117/ 3/3/2 3/17/ 224. 2118/ 4478 37.6 2.50 3377 NUL NUL NUL NUL 9/14/ r 8892 18 2017 3 2019 L L L 2017 6m 017 3797 2017 017 2017 3 2017 .71 6851 3123 L L L L 2017 12:0 12:0 11:5 0 10:3 0 11:5 10:3 12:0 12:0 12:0 0:00 0:00 3:06 5:31 3:06 5:31 0:00 0:00 0:00 AM AM PM AM PM AM AM AM AM Ryan Poe 6387 .70 3/3/2 0.20 0 0 224. 17 5/17/ NUL NUL NUL 3/3/2 1995 3/17/ 1999 3/3/2 3/17/ 3l17/ 0 3/3/2 4298 0 2.40 6827 NUL NUL NUL NUL 9/14! r 4169 18 017 3 2019 L L L 017 3797 2017 1783 017 2017 2017 017 .9 6206 5516 L L L L 2017 12:0 12:0 10:3 0 10:4 8 10:3 10:4 12:0 12:0 12:0 0:00 0:00 5:31 9:50 5:31 9:50 0:00 0:00 0:00 AM AM AM PM AM PM AM AM AM Ryan P0115 6468 U0 3/18/ 0.20 0 0 224. 17 5/17/ NUL NUL NUL 3/17/ 1999 4/17/ 2006 3/17/ 4/17/ 4I17I 0 3/18/ 4298 36.0 2.40 3544 NUL NUL NUL NUL 9/14/ r 4661 18 2017 3 2019 L L L 2017 1783 2017 6332 2017 2017 2017 2017 .9 9 6206 1068 L L L L 2017 12:0 12:0 10:4 8 11:0 8 10:4 11:0 12:0 12:0 12:0 0:00 0:00 9:50 9:30 9:50 9:30 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan Poe 6628 .70 4/18/ 0.20 224. 1 224. 17 5/17I NUL NUL NUL 4/17/ 2006 4/18/ 2006 4/17/ 4/18/ 4117/ 224. 4/18/ 4298 110. 2.40 3717 NUL NUL NUL NUL 9/14/ r 1169 18 2017 3 3 2019 L L L 2017 6332 2017 8876 2017 2017 2017 3 2017 .9 69 6206 5082 L L L L 2017 12:0 12:0 11:0 8 8:46: 5 11:0 8:46: 12:0 12:0 12:0 0:00 0:00 9:30 32 9:30 32 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan Pu1te 6633 .70 4/19/ 0.20 0 0 224. 17 5/17/ NUL NUL NUL 4/18/ 2006 5/18/ 2014 4/18/ 5/18/ 5/17/ 224. 4/19/ 4187 0 2.34 7261 NUL NUL NUL NUL 9/14/ r 4445 18 2017 3 2019 L L L 2017 8876 2017 5952 2017 2017 2017 3 2017 .69 3959 1831 L L L L 2017 12:0 12:0 8:46: 5 1:56: 0 8:46: 1:56: 12:0 12:0 12:0 0:00 0:00 32 49 32 49 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan P0115 6797 .70 5/18I 0.20 224. 1 224. 17 5/17I NUL NUL NUL 5/18/ 2014 5/19/ 2014 5/18/ 5/19/ 5I17I 224. 5/18/ 4187 67.9 2.34 3893 NUL NUL NUL NUL 9/14/ r 6206 18 2017 3 3 2019 L L L 2017 5952 2017 5952 2017 2017 2017 3 2017 .69 8 3959 8507 L L L L 2017 12:0 12:0 1:56: 0 1:26: 0 1:56: 1:26: 12:0 12:0 12:0 0:00 0:00 49 43 49 43 0:00 0:00 0:00 AM AM PM AM PM AM AM AM AM Ryan P0115 6816 .70 5/19/ 0.20 224. 2 224. 17 5/17/ NUL NUL NUL 5/19/ 2014 19/ 2014 5/19/ 5/19/ 5/17/ 224. 5/19/ 4187 70.3 2.34 3917 NUL NUL NUL NUL 9/14/ r 9156 18 2017 3 3 2019 L L L 2017 5952 2017 8435 2017 2017 2017 3 2017 .69 2 3959 5903 L L L L 2017 12:0 12:0 1:26: 11:1 2 1:26: 11:1 12:0 12:0 12:0 0:00 0:00 43 3:41 43 3:41 0:00 0:00 0:00 AM AM AM PM AM PM AM AM AM Ryan P0115 6824 .70 5/20/ 0.20 224. 3 224. 17 5/17I NUL NUL NUL 5/19/ 2014 2015 5/19/ 5/20/ 5I17I 224. 5/20/ 4187 72.6 2.34 3923 NUL NUL NUL NUL 9/14/ r 5648 18 2017 3 3 2019 L L L 2017 8435 2017 0894 2017 2017 2017 3 2017 .69 7 3959 6028 L L L L 2017 12:0 12:0 11:1 11:0 0 11:1 11:0 12:0 12:0 12:0 0:00 0:00 3:41 6:33 3:41 6:33 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan Pane 6827 .70 5/21/ 0.20 224. 4 224. 17 5/17/ NUL NUL NUL 5/20/ 2015 1/ 2015 5/20/ 5/21/ 5/17/ 224. 5/21/ 4187 75.0 2.34 3928 NUL NUL NUL NUL 9/14/ r 4129 18 2017 3 3 2019 L L L 2017 0894 2017 2467 2017 2017 2017 3 2017 .69 1 3959 7613 L L L L 2017 12:0 12:0 11:0 11:1 3 11:0 11:1 12:0 12:0 12:0 0:00 0:00 6:33 7:00 6:33 7:00 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan P0115 6832 .70 5/22/ 0.20 224. 5 224. 17 5/17/ NUL NUL NUL 5/21/ 2015 3/ 2015 5/21/ 5123/ 5/17/ 224. 5/22/ 4187 77.3 2.34 3933 NUL NUL NUL NUL 9/14/ r 3929 18 2017 3 3 2019 L L L 2017 2467 2017 5385 2017 2017 2017 3 2017 .69 5 3959 9926 L L L L 2017 12:0 12:0 11:1 3 1:29: 4 11:1 1:29: 12:0 12:0 12:0 0:00 0:00 7:00 44 7:01) 44 0:00 0:00 0:00 AM AM PM AM PM AM AM AM AM Ryan Poe 6841 .70 5/23] 0.20 224. 6 224. 17 5/17/ NUL NUL NUL 5/23/ 2015 2015 5/23/ 5/17/ 224. 5/23/ 4187 79.7 2.34 3940 NUL NUL NUL NUL 9/14/ r 9220 18 2017 3 3 2019 L L L 2017 5385 2017 7642 2017 2017 2017 3 2017 .69 3959 3055 L L L L 2017 12:0 12:0 1:29: 11:2 1:29: 11:2 12:0 12:0 12:0 0:00 0:00 45 1:48 44 1:48 0:00 0:00 0:00 AM AM AM PM AM PM AM AM AM Ryan P0115 6845 '70 5/24/ 0.20 224. 7 224. 17 5/17/ NUL NUL NUL 5/23/ 2015 5/2 2015 5/23/ 5124/ 5/17/ 224. 5/24/ 4187 82.0 2.34 3946 NUL NUL NUL NUL 9/14/ r 9980 18 2017 3 3 2019 L L L 2017 7642 2017 9354 2017 2017 2017 3 2017 .69 4 3959 2401 L L L L 2017 12:0 12:0 11:2 11:0 11:2 11:0 12:0 12:0 12:0 0:00 0:00 1:48 7:22 1:48 7:22 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan P0115 6849 .70 5/25/ 0.20 224. 8 224. 17 5/17/ NUL NUL NUL 5/24/ 2015 2016 5/24/ 5/26/ 5I17/ 224. 5/25/ 4187 84.3 2.34 3952 NUL NUL NUL NUL 9/14/ r 5835 18 2017 3 3 2019 L L L 2017 9354 2017 2540 2017 2017 2017 3 2017 .69 9 3959 3349 L L L L 2017 12:0 12:0 11:0 4 12:2 5 11:0 12:2 12:0 12:0 12:0 0:00 0:00 7:22 6:57 7:22 6:57 0:00 0:00 0:00 AM AM PM AM PM AM AM AM AM Ryan P085 6858 .70 5/26/ 0.20 224. 9 224. 17 5/17/ NUL NUL NUL 5/26/ 2016 2016 5/26/ 5/26/ 5/17/ 224. 5/26/ 4187 86.7 2.34 3958 NUL NUL NUL NUL 9/14/ r 5252 18 2017 3 3 2019 L L L 2017 2540 2017 4545 2017 2017 2017 3 2017 .69 3 3959 1562 L L L L 2017 12:0 12:0 12:2 5 11:1 9 12:2 11:1 12:0 12:0 12:0 0:00 0:00 6:57 5:43 6:57 5:43 0:00 0:00 0:00 AM AM AM PM AM PM AM AM AM Ryan P0115 6862 .70 5/27/ 0.20 224. 10 224. 17 5/17/ NUL NUL NUL 5/26/ 2016 5/27/ 2016 5/26/ 5/27/ 5I17I 224. 5/27/ 4187 89.0 2.34 3964 NUL NUL NUL NUL 9/14/ r 4455 18 2017 3 3 2019 L L L 2017 4545 2017 7111 2017 2017 2017 3 2017 .69 7 3959 0348 L L L L 2017 12:0 12:0 11:1 9 9:34: 5 11:1 9:34: 12:0 12:0 12:0 0:00 0:00 5:43 17 5:43 17 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan Poke 6864 m0 5/28] 0.20 224. 11 224. 17 5(17/ NUL NUL NUL 5/27/ 2016 2016 5/27/ 5/28/ 5/17/ 224. 5/28/ 4187 91.4 2.34 3966 NUL NUL NUL NUL 9/14/ r 6628 18 2017 43 3 3 2019 L L L 2017 7111 2017 8532 2017 2017 2017 3 2017 .69 2 3959 4788 L L L L 2017 12:0 12:0 9:34: 5 9:31: 6 9:34: 9:31: 12:0 12:0 12:0 0:00 0:00 17 35 17 5 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan Poke 6870 .70 5/29] 0.20 224. 12 224. 17 5/17I NUL NUL NUL 5/28] 2016 201 7 5l1 7/ 224. 5/29] 41 87 93.7 0 2.34 3971 NUL NUL NUL NUL 9/1 4/ r 9830 18 2017 3 3 2019 L L L 2017 8532 2017 0127 2017 2017 2017 3 2017 .60 6 3959 5081 L L L L 2017 12:0 12:0 9:31: 6 11:1 0 9:31. 11:1 12:0 12:0 12:0 0:00 0:00 35 7:41 35 7:41 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan Potts 6875 .70 5/30] 0.20 224. 13 224. 17 5I17I NUL NUL NUL 5/29! 2017 5’30! 201 7 5/1 7I 224. 5/30/ 41 E7 96.1 0 2.34 3979 NUL NUL NUL NUL 9/1 4/ r 002E 18 2017 3 3 2019 L L L 2017 0127 2017 3211 2017 2017 2017 3 2017 .69 1 3959 3419 L L L L 2017 12:0 12:0 11:1 0 10:3 1 11:1 10:3 12:0 12:0 12:0 0:00 0:00 7:41 1:10 7:41 1:10 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan P0115 6381 .70 5/31/ 0.20 224. 14 224. 17 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0:00 3:46 4:08 3:46 4:08 0:00 0:00 0:00 AM AM PM AM PM AM AM AM AM Ryan Pane 71 39 .70 7/1 7/ 0.20 478. 61 224. 17 5/17/ NUL NUL NUL 7I1 7/ 2027 7I1 7/ 2028 7I17/ 7I17I 5/1 7/ 224. 7I17l 41 E7 208. 30 2.34 4267 NUL NUL NUL NUL 9/1 4! r 4153 18 2017 6 3 2019 L L L 2017 9046 017 1309 2017 201 7 2017 3 2017 .69 62 3959 4031 L L L L 2017 12:0 12:0 12:0 9 11:2 9 12:0 11:2 12:0 12:0 12:0 0:00 0:00 4:08 1:20 4:08 1:20 0:00 0:00 0:00 AM AM AM PM AM PM AM AM AM Ryan P0115 7145 .70 7/1 8/ 0.20 702. 62 224. 17 5/17/ NUL NUL NUL 7/1 7/ 2028 7/1 8/ 2028 7I17/ 7/18/ 5I1 7/ 224. 7/18/ 41 87 21 0. 30 2.34 4272 NUL NUL NUL NUL 9/1 4/ r 3863 18 2017 9 3 2019 L L L 2017 1309 2017 3395 2017 201 7 2017 3 2017 .69 96 3959 0808 L L L L 2017 12:0 12:0 11:2 9 11:5 1 11:2 11:5 12:0 12:0 12:0 0:00 0:00 1:20 2:03 1:20 2:03 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan Poke 71 50 .70 7/1 9/ 0.20 702. 63 224. 17 5/17/ NUL NUL NUL 7/1 8/ 2028 7/20/ 2028 7/18/ 7 5/1 7/ 224. 7/19/ 41 87 21 3. 30 2.34 4279 NUL NUL NUL 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AM Ryan P6115 71 68 .70 7/22/ 0.20 702. 66 224. 17 5/17/ NUL NUL NUL 7/22/ 2029 7/22/ 2029 7m 7m 5/1 7/ 224. 7/22/ 41 87 220. 30 2.34 4299 NUL NUL NUL NUL 9/1 4! r 3564 18 2017 9 3 2019 L L L 2017 1053 2017 2784 2017 201 7 2017 3 2017 .69 33 3959 2816 L L L L 2017 12:0 12:0 12:2 7 11:5 6 12:2 11:5 12:0 12:0 12:0 0:00 0:00 0:21 2:19 0:20 2:19 0:00 0:00 0:00 AM AM AM PM AM PM AM AM AM Ryan P0115 71 78 .70 7/23/ 0.20 702. 67 224. 17 5/17/ NUL NUL NUL 7/22/ 2029 7/23/ 2029 7 7/23/ 5I1 7/ 224. 7/23/ 41 87 222. 30 2.34 4305 NUL NUL NUL NUL 9/1 4/ r 0258 18 2017 9 3 2019 L L L 2017 2784 2017 4257 2017 2017 2017 3 2017 .69 68 3959 0473 L L L L 2017 12:0 12:0 11:5 6 11:4 2 11:5 11:4 12:0 12:0 12:0 0:00 0:00 2: 1 9 1:06 2:19 1:06 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan P6115 71 83 .70 7/24/ 0.20 702. 68 224. 17 5/17/ NUL NUL NUL 7/23/ 2029 7/24/ 2029 7 7/24/ 5/1 7/ 224. 7/24/ 41 87 225. 30 2.34 431 0 NUL NUL NUL NUL 9/1 4! r 4327 18 2017 9 3 2019 L L L 2017 4257 2017 6460 2017 201 7 2017 3 2017 .69 02 3959 5904 L L L L 2017 12:0 12:0 11:4 2 10:5 8 11:4 10:5 12:0 12:0 12:0 0:00 0:00 1:06 4:33 1 06 4:33 0:00 0:00 0:00 AM AM PM PM PM AM AM AM Ryan P0115 71 85 .70 7/25/ 0.20 702. 69 224. 17 5/17/ NUL NUL NUL 7/24/ 20m 7/25/ 2029 7/24/ 7/25/ 5I1 7/ 224. 7/25/ 41 87 227. 30 2.34 431 5 NUL NUL NUL NUL 9/1 4/ r 7084 18 2017 9 3 2019 L L L 2017 6460 2017 8961 2017 2017 2017 3 2017 .69 37 3959 1590 L L L L 2017 12:0 12:0 10:5 8 10:5 1 10:5 10:5 12:0 12:0 12:0 0:00 0:00 4:33 3:33 4:33 3:33 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan Poke 71 90 .70 7/26/ 0.20 702. 70 224. 17 5/17/ NUL NUL NUL 7/25/ 2029 7/26/ 2030 7/25/ 7 5/1 7/ 224. 7/26/ 41 87 229. 30 2.34 4320 NUL NUL NUL NUL 9/1 4/ r 9674 18 2017 9 3 2019 L L L 2017 8961 2017 1246 2017 2017 2017 3 2017 .69 71 3959 8510 L L L L 2017 12:0 12:0 10:5 1 11:1 9 10:5 11:1 12:0 12:0 12:0 0:00 0:00 3:33 4:24 3:33 4:24 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan P0115 71 99 .70 7/27/ 0.20 702. 71 224. 17 5/17/ NUL NUL NUL 7/26/ 2030 7/27/ 2030 7/26/ 7/27/ 511 7/ 224. 7127/ 41 87 232. 30 2.34 4327 NUL NUL NUL NUL 9/1 41 r 0294 18 2017 9 3 2019 L L L 2017 1246 2017 4029 2017 2017 2017 3 2017 .69 05 3959 3550 L L L L 2017 12:0 12:0 11:1 9 11:0 2 11:1 11:0 12:0 12:0 12:0 0:00 0:00 4:25 8:28 4:24 8:28 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan P085 7203 .70 7128/ 0.20 702. 72 224. 17 5/17/ NUL NUL NUL 7/27/ 2030 7/29/ 2030 7127/ 7 5/1 7/ 224. 7128/ 41 87 234. 30 2.34 4332 NUL NUL NUL NUL 9/1 4/ r 5225 18 2017 43 9 3 2019 L L L 2017 40E 2017 7437 2017 2017 2017 3 2017 .69 4 3959 5004 L L L L 2017 12:0 12:0 11:0 2 12:1 7 11:0 12:1 12:0 12:0 12:0 0:00 0:00 8:28 4:28 8:28 4:28 0:00 0:00 0:00 AM AM PM AM PM AM AM AM Ryan Poke 7205 .70 7/29] 0.20 702. 73 224. 17 5/17] NUL NUL NUL 7/29/ 2030 7/29/ 2030 7 7 5117/ 224. 7/29/ 4187 236. 30 2.34 4339 NUL NUL NUL NUL 9/14! r 7660 18 2017 9 3 2019 L L L 2017 7437 2017 9132 2017 2017 2017 3 2017 .60 74 3959 0620 L L L L 2017 12:0 12:0 12:1 7 10:5 5 12:1 10:5 12:0 12:0 12:0 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PM PM PM PM AM AM AM Ryan Potts 7241 .70 814/2 0.20 717. 79 224. 17 5117/ NUL NUL NUL 813/2 2032 814m 2032 81312 81412 51171 224. 814/2 4187 250. 45 2.34 4373 NUL NUL NUL NUL 91141 r 6069 18 017 9 3 2019 L L L 017 2379 017 4997 017 017 2017 3 017 .69 81 3959 0343 L L L L 2017 12:0 12:0 11:1 0 11:5 7 11:1 11:5 12:0 12:0 12:0 0:00 0:00 0:16 3:21 0:16 3:21 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan Pane 7248 .70 815/2 0.20 717. 80 224. 17 5/17/ NUL NUL NUL 81412 2032 8/512 2032 814/2 815/2 5117/ 224. 81512 4187 253. 45 2.34 4380 NUL NUL NUL NUL 9/14/ r 8174 18 017 9 3 2019 L L L 017 4997 017 7168 017 017 2017 3 017 .69 15 3959 6289 L L L L 2017 12:0 12:0 11:5 7 11:3 8 11:5 11:3 12:0 12:0 12:0 0:00 0:00 3:21 4:54 3:21 4:54 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan Pane 7253 .70 0.20 717. 81 224. 17 5117/ NUL NUL NUL 81 2032 m 2032 81512 81612 51171 224. 4187 255. 45 2.34 4385 NUL NUL NUL NUL 91141 r 7629 18 O17 9 3 2019 L L L O17 7168 017 9150 017 017 2017 3 O17 .69 49 3959 8147 L L L L 2017 12:0 12:0 11:3 8 11:4 8 11:3 11:4 12:0 12:0 12:0 0:00 0:00 4:54 0:08 4:54 0:08 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan P0115 7258 .70 817 0.20 717. 82 224. 17 51171 NUL NUL NUL 2032 BITE 2033 81 817/2 51171 224. 817 4187 257. 45 2.34 4390 NUL NUL NUL NUL 91141 r 8062 18 017 9 3 2019 L L L 017 9150 017 1807 017 017 2017 3 017 .69 84 3959 9901 L L L L 2017 12:0 12:0 11:4 8 11:4 2 11:4 11:4 12:0 12:0 12:0 0:00 0:00 0:08 5:54 0:08 5:54 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan Poke 7262 .70 81 0.20 717. 83 224. 17 51171 NUL NUL NUL 817/2 2033 2033 817 81812 51171 224. 81 4187 260. 45 2.34 4397 NUL NUL NUL NUL 9114/ r 3494 18 017 9 3 2019 L L L O17 1807 017 5333 017 017 2017 3 O17 .69 18 3959 8000 L L L L 2017 12:0 12:0 11:4 2 11:1 8 11:4 11:1 12:0 12:0 12:0 0:00 0:00 5:54 3:32 5:54 3:32 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan P0115 7267 .70 0.20 717. 84 224. 17 51171 NUL NUL NUL 81 2033 2033 81812 81912 51171 224. 4187 262. 45 2.34 4400 NUL NUL NUL NUL 91141 r 9202 18 017 9 a 2019 L L L 017 5333 017 7696 017 017 2017 3 017 .69 53 3959 9000 L L L L 2017 12:0 12:0 11:1 8 10:4 4 11:1 10:4 12:0 12:0 12:0 0:00 0:00 3:32 6:52 3:32 6:52 0:00 0:80 0:00 AM AM PM PM PM PM AM AM AM Ryan Pane 7269 .70 8110/ 0.20 717. 85 224. 17 51171 NUL NUL NUL 81912 2033 81101 2033 81912 81101 51171 224. 81101 4187 264. 45 2.34 4407 NUL NUL NUL NUL 9114/ r 4575 18 2017 9 3 2019 L L L 017 7696 2017 9654 017 2017 2017 3 201 .69 87 3959 1061 L L L L 2017 12:0 12:0 10:4 4 10:3 10:4 10:3 12:0 12:0 12:0 0:00 0:00 6:52 6:30 6:52 6:30 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan P6115 7275 .70 8111/ 0.20 717. 86 224. 17 5117/ NUL NUL NUL 81101 2033 8111/ 2034 8110/ 8111/ 51171 224. 81111 4187 267. 45 2.34 4413 NUL NUL NUL NUL 91141 r 6339 18 2017 9 3 2019 L L L 2017 9654 017 2917 2017 2017 2017 3 201 .69 21 3959 6405 L L L L 2017 12:0 12:0 10:3 5 10:4 3 10:3 10:4 12:0 12:0 12:0 0:00 0:00 6:30 9:26 6:30 9:26 8:00 0:80 8:00 AM AM PM PM PM PM AM AM AM Ryan P0115 7286 .70 81121 0.20 717. 87 224. 17 51171 NUL NUL NUL 81111 2034 81121 2034 81111 81121 51171 224. 81121 4187 269. 45 2.34 4420 NUL NUL NUL NUL 91141 r 1737 18 2017 9 3 2019 L L L 2017 2917 2017 4878 2017 2017 2017 3 2017 .69 56 3959 5263 L L L L 2017 12:0 12:0 10:4 3 10:3 2 10:4 10:3 12:8 12:0 12:0 0:00 0:08 9:26 9:44 9:26 9:44 8:08 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan P6115 7291 .78 81131 8.28 717. 88 224. 17 5117/ NUL NUL NUL 81121 2034 81131 2834 8112/ 81131 51171 224. 81131 4187 271. 45 2.34 4425 NUL NUL NUL NUL 91141 r 4534 18 2017 9 3 2819 L L L 2017 4878 2017 6361 2817 2817 2017 3 201 .69 9 3959 9717 L L L L 2817 12:8 12:0 10:3 2 10:3 5 18:3 18:3 12:8 12:8 12:0 8:08 0:00 9:44 6:59 9:44 6:59 8:00 8:88 0:00 AM AM PM PM PM PM AM AM AM Ryan P0115 7294 .70 81141 0.20 717. 89 224. 17 51171 NUL NUL NUL 81131 2034 81151 2834 81131 81151 51171 224. 81141 4187 274. 45 2.34 4431 NUL NUL NUL NUL 91141 r 4398 18 2017 9 3 2019 L L L 2017 6361 2017 9197 2017 2017 2017 3 2017 .69 25 3959 8915 L L L L 2817 12:0 12:0 10:3 5 12:1 7 10:3 12:1 12:8 12:0 12:0 0:00 0:00 6:59 4:30 6:59 4:38 8:00 0:80 0:00 AM AM PM AM PM AM AM AM AM Ryan P085 7304 .70 8115/ 0.20 717. 90 224. 17 51171 NUL NUL NUL 8115/ 2034 81151 2035 81151 81151 51171 224. 81151 4187 276. 45 2.34 4440 NUL NUL NUL NUL 9114/ r 9783 18 2017 9 3 2019 L L L 2017 9197 2017 2444 2017 2017 2017 3 2017 .69 59 3959 1702 L L L L 2017 12:8 12:0 12:1 7 10:5 0 12:1 18:5 12:8 12:8 12:0 8:08 0:00 4:31 2:21 4:38 2:21 8:08 8:88 0:00 AM AM AM PM AM PM AM AM AM Ryan P0115 7306 .78 81161 8.28 717. 91 224. 17 51171 NUL NUL NUL 81151 2035 81161 2835 8115/ 8116/ 5117/ 224. 81161 4187 278. 45 2.34 4444 NUL NUL NUL NUL 91141 r 4107 18 2017 9 3 2019 L L L 2017 2444 2017 4775 2017 2017 2017 3 2017 .69 93 3959 8135 L L L L 2817 12:0 12:0 10:5 0 11:0 1 10:5 11:0 12:8 12:0 12:0 0:00 0:00 2:21 6:17 2:21 6:17 8:08 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan Poke 7314 .70 81171 0.20 717. 92 224. 17 51171 NUL NUL NUL 81161 2035 8117/ 2035 81161 8117/ 51171 224. 81171 4187 281. 45 2.34 4450 NUL NUL NUL NUL 9114/ r 1949 18 2017 9 3 2019 L L L 2017 4775 2017 8728 2017 2017 2017 3 2017 .69 28 3959 3421 L L L L 2017 12:0 12:0 11:0 1 10:5 9 11:0 10:5 12:0 12:0 12:0 0:00 0:00 6:17 9:29 6:17 9:29 8:08 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan Pole 7318 .70 8/18] 0.20 942. 93 224. 17 5/17] NUL NUL NUL 8/17] 2035 8/18] 2036 8/17] 8/18] 5117/ 224. 8/18/ 4187 283. 45 2.34 4457 NUL NUL NUL NUL 9/14! r 3654 18 2017 2 3 2019 L L L 2017 8728 2017 0354 2017 2017 2017 3 2017 .60 62 3959 1054 L L L L 2017 12:0 12:0 10:5 9 10:4 7 10:5 10:4 12:0 12:0 12:0 0:00 0:00 9:29 2:15 9:29 2:15 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan Potts 7327 .70 8/19] 0.20 942. 94 224. 17 5/17/ NUL NUL NUL 8/18/ 2036 8/19/ 2036 8/18/ 8/19] 5/17/ 224. 8/19/ 4187 2B5. 45 2.34 4464 NUL NUL NUL NUL 9/14] r 0424 18 2017 2 3 2019 L L L 2017 0354 2017 2811 2017 2017 2017 3 2017 .69 97 3959 4438 L L L L 2017 12:0 12:0 10:4 7 11:3 7 10:4 11:3 12:0 12:0 12:0 0:00 0:00 2:15 4:27 2:15 4:27 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan P0115 7332 .70 8/20] 0.20 942. 95 224. 17 5/17/ NUL NUL NUL 8/19/ 2036 8/21/ 2036 8/19/ 8/21/ 5/17/ 224. 8/20/ 4187 288. 45 2.34 4472 NUL NUL NUL NUL 9/14/ r 8197 18 2017 2 3 2019 L L L 2017 2811 2017 7262 2017 2017 2017 3 2017 .69 31 3959 4493 L L L L 2017 12:0 12:0 11:3 7 10:3 8 11:3 10:3 12:0 12:0 12:0 0:00 0:00 4:27 2:53 4:27 2:53 0:00 0:00 0:00 AM AM PM AM PM AM AM AM AM Ryan Potts 7332 .70 8/21/ 0.20 942. 96 224. 17 5/17/ NUL NUL NUL 8/21/ 2036 8/22/ 2036 8/21/ 5/17/ 224. 8/21/ 4187 290. 45 2.34 4475 NUL NUL NUL NUL 9I14I r 0948 18 2017 2 3 2019 L L L 2017 72H 2017 7477 2017 2017 2017 3 2017 .69 65 3959 4883 L L L L 2017 12:0 12:0 10:3 8 3:23: 8 10:3 3:23: 12:0 12:0 12:0 0:00 0:00 2:53 09 2:53 09 0:00 0:00 0:00 AM AM AM AM AM AM AM AM AM Ryan P0115 7352 .70 8/22/ 0.20 942. 97 224. 17 5/17/ NUL NUL NUL 8/22/ 2036 8/22/ 2037 BID] 8/22/ 5/17/ 224. 8/22/ 4187 293 45 2.34 4491 NUL NUL NUL NUL 9I14/ r 9105 18 2017 2 3 2019 L L L 2017 7477 2017 0519 2017 2017 2017 3 2017 .69 3959 2335 L L L L 2017 12:0 12:0 3:23: 8 10:5 9 3:23 10:5 12:0 12:0 12:0 0:00 0:00 10 9:26 09 9:26 0:00 0:00 0:00 AM AM AM PM PM AM AM AM Ryan Pane 7359 .70 8/23/ 0.20 942. 98 224. 17 5/17/ NUL NUL NUL 8/22/ 2037 8/23/ 2037 8/H/ 8/23/ 5117/ 224. 8/23/ 4187 295. 45 2.34 4497 NUL NUL NUL NUL 9/14/ r 0014 18 2017 2 3 2019 L L L 2017 0519 2017 3330 2017 2017 2017 3 2017 .69 34 3959 7138 L L L L 2017 12:0 12:0 10:5 9 11:1 6 10:5 11:1 12:0 12:0 12:0 0:00 0:00 9:27 2:39 9:26 2:39 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan Potts 7361 .70 B/24l 0.20 942. 99 224. 17 5/17/ NUL NUL NUL 8/23l 2037 8/24/ 2037 8/23/ 8124/ 5/17] 224. 8/241 4187 297. 45 2.34 4504 NUL NUL NUL NUL 9/14/ r 0463 18 2017 2 3 2019 L L L 2017 3330 2017 6160 2017 2017 2017 3 2017 .69 69 3959 3191 L L L L 2017 12:0 12:0 11:1 6 10:4 8 11:1 10:4 12:0 12:0 12:0 0:00 0:00 2:39 6:59 2:39 6:59 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan Pane 7370 .70 8/25/ 0.20 942. 100 224. 17 5/17/ NUL NUL NUL 8/24/ 2037 8/25/ 2037 8/24/ 8/25/ 5117/ 224. 8/25/ 4187 300. 45 2.34 4510 NUL NUL NUL NUL 9/14/ r 8013 18 2017 2 3 2019 L L L 2017 6160 2017 9133 2017 2017 2017 3 2017 .69 03 3959 6041 L L L L 2017 12:0 12:0 10:4 8 10:3 8 10:4 10:3 12:0 12:0 12:0 0:00 0:00 6:59 4:16 6:59 4:16 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan Pane 7372 .70 8/26/ 0.20 942. 101 224. 17 5/17/ NUL NUL NUL 8/251 2037 8/27/ 2038 8/25/ 8127/ 5/17/ 224. 8/26/ 4187 302. 45 2.34 4517 NUL NUL NUL NUL 9/14/ r 7055 18 2017 2 3 2019 L L L 2017 9133 2017 1703 2017 2017 2017 3 2017 .69 37 3959 1252 L L L L 2017 12:0 12:0 10:3 8 1:09: 9 10:3 1:09: 12:0 12:0 12:0 0:00 0:00 4:16 22 4:16 22 0:00 0:00 0:00 AM AM PM AM PM AM AM AM AM Ryan P0115 7384 .70 8/27/ 0.20 942. 102 224. 17 5/17/ NUL NUL NUL 8/27/ 2038 8/27/ 2038 8/27 8/27/ 5/17/ 224. 8/27/ 4187 304. 45 2.34 4524 NUL NUL NUL NUL 9I14/ r 2341 18 2017 2 3 2019 L L L 2017 1703 2017 3095 2017 2017 2017 3 2017 .69 72 3959 6797 L L L L 2017 12:0 12:0 1:09: 9 10:3 6 1:09: 10:3 12:0 12:0 12:0 0:00 0:00 23 6:22 22 6:22 0:00 0:00 0:00 AM AM AM PM AM PM AM AM AM Ryan P0115 7386 .70 8/28/ 0.20 942. 103 224. 17 5/17/ NUL NUL NUL 8/27/ 2038 8/28/ 2038 8/27 8/28/ 5/17/ 224. 8/28/ 4187 307. 45 2.34 4527 NUL NUL NUL NUL 9/14/ r 7322 18 2017 2 3 2019 L L L 2017 3095 2017 6377 2017 2017 2017 3 2017 .69 06 3959 6051 L L L L 2017 12:0 12:0 10:3 6 11:1 3 10:3 11:1 12:0 12:0 12:0 0:00 0:00 6:23 5:31 6:2 5:31 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan P0115 7391 .70 8I29I 0.20 942. 104 224. 17 5I17I NUL NUL NUL 8/28/ 2038 8/29/ 2038 8I2 8129/ 5I17I 224. 8/29/ 4187 309. 45 2.34 4533 NUL NUL NUL NUL 9I14/ r 8712 18 2017 2 3 2019 L L L 2017 6877 2017 8725 2017 2017 2017 3 2017 .69 41 3959 7570 L L L L 2017 12:0 12:0 11:1 3 11:4 2 11:1 11:4 12:0 12:0 12:0 0:00 0:00 5:31 0:49 5:31 0:49 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan Pane 7399 .70 8/30] 0.20 942. 105 224. 17 5/17/ NUL NUL NUL 8/29/ 2038 8130/ 2039 8/29/ 8/30/ 5/17/ 224. 8/30/ 4187 311. 45 2.34 4540 NUL NUL NUL NUL 9/14/ r 4399 18 2017 2 3 2019 L L L 2017 8725 2017 1288 2017 2017 2017 3 2017 .69 75 3959 9383 L L L L 2017 12:0 12:0 11:4 2 10:0 2 11:4 10:0 12:0 12:0 12:0 0:00 0:00 0:49 7:24 0:49 7:24 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan P0115 7399 .70 8/31/ 0.20 942. 106 224. 17 5/17/ NUL NUL NUL 8/30/ 2039 8/31/ 2039 8130/ 8/31/ 5/17/ 224. 8/31/ 4187 314. 45 2.34 4545 NUL NUL NUL NUL 9/14/ r 0356 18 2017 2 3 2019 L L L 2017 1288 2017 4311 2017 2017 2017 3 2017 .69 09 3959 5139 L L L L 2017 12:0 12:0 10:0 2 11:5 4 10:0 11:5 12:0 12:0 12:0 0:00 0:00 7:24 1:40 7:24 1:40 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan P0115 7409 .70 9/1/2 0.20 942. 107 224. 17 5/17/ NUL NUL NUL 8I31/ 2039 9/1R 2039 8/31/ 9/1/2 5I17/ 224. 9/1/2 4187 316. 45 2.34 4551 NUL NUL NUL NUL 9/14/ r 3645 18 017 2 3 2019 L L L 2017 4311 017 7299 2017 017 2017 3 017 .69 44 3959 9781 L L L L 2017 12:0 12:0 11:5 4 10:2 9 11:5 10:2 12:0 12:0 12:0 0:00 0:00 1:40 9:58 1:40 9:59 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan P0115 7410 .70 0.20 957. 108 224. 17 5/17/ NUL NUL NUL 9/1/2 2039 2039 9/1/2 913/2 5117/ 224. 4187 318. 60 2.34 4557 NUL NUL NUL NUL 91141 r 1188 18 017 2 3 2019 L L L 017 7299 017 9711 017 017 2017 3 017 .69 78 3959 6862 L L L L 2017 12:0 12:0 10:2 9 12:3 8 10:2 12:3 12:0 12:0 12:0 0:00 0:00 9:58 3:33 9:58 3:33 0:00 0:00 0:00 AM AM PM AM PM AM AM AM AM Ryan P0115 7416 .70 0.20 957. 109 224. 17 5/17/ NUL NUL NUL 2039 2040 9/3/2 9/3/2 5I17/ 224. 9/ 4187 321. 60 2.34 4564 NUL NUL NUL NUL 9/14/ r 6171 18 017 2 3 2019 L L L 017 9711 017 1352 017 017 2017 3 017 .69 13 3959 3960 L L L L 2017 12:0 12:0 12:3 8 10:4 9 12:3 10:4 12:0 12:0 12:0 0:00 0:00 3:33 9:50 3:33 9:50 0:00 0:00 0:00 AM AM AM PM AM PM AM AM AM Ryan Poke 7425 .70 9/4/2 0.20 957. 110 224. 17 5/17/ NUL NUL NUL 2040 9/4/2 2040 9/3/2 9/4/2 5/17/ 224. 9/4/2 4187 323. 60 2.34 4569 NUL NUL NUL NUL 9/14/ r 8042 18 017 2 3 2019 L L L 017 1352 017 3731 017 017 2017 3 017 .69 47 3959 2882 L L L L 2017 12:0 12:0 10:4 9 11:5 0 10:4 11:5 12:0 12:0 12:0 0:00 0:00 9:50 1:17 9:50 1:17 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan P0115 7427 .70 915/2 0.20 957. 111 224. 17 5117/ NUL NUL NUL 914/2 2040 915E 2040 914/2 915/2 5117/ 224. 915/2 4187 325. 60 2.34 4575 NUL NUL NUL NUL 91141 r 1303 18 017 2 3 2019 L L L 017 3731 017 8084 017 017 2017 3 017 .69 81 3959 2241 L L L L 2017 12:0 12:0 11:5 0 11:3 7 11:5 11:3 12:0 12:0 12:0 0:00 0:00 1:18 6:09 1:17 6:09 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan Poke 7436 .70 0.20 957. 112 224. 17 5/17/ NUL NUL NUL 9/ 2040 917/2 2041 9/5/2 9/7/2 5/17/ 224. 4187 328. 60 2.34 4581 NUL NUL NUL NUL 9/14/ r 7578 18 017 2 3 2019 L L L 017 8084 017 0081 017 017 2017 3 017 .69 16 3959 0153 L L L L 2017 12:0 12:0 11:3 7 12:1 0 11:3 12:1 12:0 12:0 12:0 0:00 0:00 6:09 2:37 6:09 2:37 0:00 0:00 0:00 AM AM PM AM PM AM AM AM Ryan Pole 7438 .70 9/7/2 0.20 957. 1 13 224. 17 5/17I NUL NUL NUL 9/7 2041 9/7I2 2041 9/7/2 BIT/2 5l1 7/ 224. 9/7 41 87 330. 60 2.34 1 4587 NUL NUL NUL NUL 9/1 4/ r 7115 18 017 2 3 2019 L L L 017 0081 017 3749 017 017 2017 3 017 .69 5 3959 6998 L L L L 2017 12:0 12:0 12:1 0 11:4 1 12:1 11:4 12:0 12:0 12:0 0:00 0:00 2:37 4:40 2:37 4:40 0:00 0:00 0:00 AM AM AM PM AM PM AM AM AM Ryan Potts 7448 .70 SIB/2 0.20 957. 1 14 224. 17 5I17I NUL NUL NUL 9/7/2 2041 9M 2041 9/7/2 9/8/2 5/1 7I 224. 9/8/2 41 87 332. 60 2.34 1 4593 NUL NUL NUL NUL 9/1 4/ r 0996 18 017 2 3 2019 L L L 017 3749 017 5945 017 017 2017 3 017 .69 84 3959 3850 L L L L 2017 12:0 12:0 11:4 1 10:5 2 11:4 10:5 12:0 12:0 12:0 0:00 0:00 4:40 2:11 4:40 2:11 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan P0115 7449 .70 9/9/2 0.20 957. 1 15 224. 17 5/17/ NUL NUL NUL 9/8/2 2041 9M 2041 SIB/2 9/9/2 5I1 7/ 224. 9/9/2 41 B7 335. 60 2.34 1 4599 NUL NUL NUL NUL 9/1 4/ r 3411 18 017 2 3 2019 L L L 017 5945 017 8329 017 017 2017 3 017 .69 19 3959 4385 L L L L 2017 12:0 12:0 10:5 2 11:3 7 10:5 11:3 12:0 12:0 12:0 0:00 0:00 2:11 9:27 2:11 9:27 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan P0116 7458 .70 9/1 0/ 0.20 957. 1 16 224. 17 5/17/ NUL NUL NUL 9/9/2 2041 9/1 0/ 2042 9/9/2 9/10/ 5/1 7I 224. 9/10/ 41 87 337. 60 2.34 1 4606 NUL NUL NUL NUL 9/1 4/ r 7957 18 2017 2 3 2019 L L L 017 8329 2017 0028 017 2017 2017 3 2017 .69 53 3959 8352 L L L L 2017 12:0 12:0 11:3 7 10:4 7 11:3 10:4 12:0 12:0 12:0 0:00 0:00 9:28 8:05 9:27 8:05 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan P0115 7463 .70 9/1 1I 0.20 957. 117 224. 17 5/17/ NUL NUL NUL 9/1 0/ 2042 9/1 1l 2042 9/10/ 9/1 1/ 5I1 7/ 224. 9/1 1/ 41 87 339. 60 2.34 1 4611 NUL NUL NUL NUL 9I1 4/ r 0371 18 2017 2 3 2019 L L L 2017 0028 2017 2755 2017 2017 2017 3 2017 .69 88 3959 2908 L L L L 2017 12:0 12:0 10:4 7 11:0 7 10:4 11:0 12:0 12:0 12:0 0:00 0:00 8:05 6:25 8:05 6:25 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan Pane 7466 .70 9/12/ 0.20 957. 118 224. 17 5/17/ NUL NUL NUL 9/1 1/ 2042 9/1 2/ 2042 9/1 1/ 9/12/ 511 7/ 224. 9/12/ 41 87 342. 60 2.34 1 461 7 NUL NUL NUL NUL 9/1 4/ r 61 15 18 2017 2 3 2019 L L L 2017 2755 2017 5735 2017 2017 2017 3 2017 .69 22 3859 5772 L L L L 2017 12:0 12:0 11:0 7 11:5 6 11:0 11:5 12:0 12:0 12:0 0:00 0:00 6:25 6:45 6:25 6:45 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan Potts 7477 .70 9I1 3/ 0.20 957. 1 19 224. 17 5/17/ NUL NUL NUL 911 2/ 2042 9/1 3! 2042 9112/ 9113/ 511 7I 224. 9113/ 41 87 344. 60 2.34 1 4624 NUL NUL NUL NUL 9/1 4/ r 7873 18 2017 2 3 2019 L L L 2017 5735 2017 8855 2017 2017 2017 3 2017 .69 56 3959 9737 L L L L 2017 12:0 12:0 11:5 6 11:3 6 11:5 11:3 12:0 12:0 12:0 0:00 0:00 6:45 7:42 6:45 7:42 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan Poe 7480 .70 91141 0.20 957. 120 224. 17 5/17/ NUL NUL NUL 9/1 3/ 2042 9/14/ 2043 9/13/ 9/14/ 511 7/ 224. 9/14/ 41 87 346. 60 2.34 1 4630 NUL NUL NUL NUL 9/1 4/ r 7m 18 2017 2 3 2019 L L L 2017 8855 2017 0903 2017 2017 2017 3 2017 .69 91 3859 7213 L L L L 2017 12:0 12:0 11:3 6 7:10: 9 11:3 7:10: 12:0 12:0 12:0 0:00 0:00 7:42 34 7:42 34 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan P0115 7482 .70 9114/ 0.20 957. 120 224. 17 5/17/ NUL NUL NUL 9114/ 2043 9114/ 2043 9/14/ 9114/ 5/1 7/ 224. 9114/ 41 87 349. 60 2.34 1 8740 NUL NUL NUL NUL 9/1 4/ r 4776 18 2017 2 3 2019 L L L 2017 0903 2017 0903 2017 201 7 2017 3 201 .69 25 3959 6744 L L L L 2017 12:0 12:0 7:10: 9 7:11: 9 7:10 7:11: 12:0 12:0 12:0 0:00 0:00 34 18 34 18 0:00 0:00 0:00 AM AM PM PM PM PM AM AM AM Ryan P0115 7486 .70 91141 0.20 4596 120 224. 17 5/17/ NUL NUL NUL 91141 2043 911 5/ 2043 91141 91151 511 7I 50.9 91141 41 87 349. 60 2.34 1 8740 NUL NUL NUL NUL 9/1 4/ r 6934 18 2017 43 .94 3 2019 L L L 17 0903 2017 0903 2017 2017 2017 4 2017 .69 25 3959 7046 L L L L 2017 12:0 12:0 7:11: 9 12:4 9 7:11 12:4 12:0 12:0 12:0 0:00 0:00 18 7:43 18 7:43 0:00 0:00 0:00 AM AM PM AM PM AM AM AM AM KOOONQUILWNu-t NNNNNNNNNHHh-b-Hb-b-h-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO Christopher D. Mandarich SB 220693 Ajay Sood SB325294 1 _ - Hayk Stambultsyan $3320973 E ”fi'fi‘fi'"? Amber Swearingen-Ojuri SB324653 anymnrruummrrrmu.mmmmmm MANDARICH LAW GROUP, LLP m: 4/28/2021 P.O. Box 109032 Chicago, IL 60610 = 877.285.4918 H 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-02476 Plaintiff, VS FILE BY FAX COMPLAINT FOR: 1. BREACH OF CONTRACT Theresa Castro, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant DEMAND: $4,648.51 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1. Plaintiff is and at all times herein mentioned, UHG I LLC, and successor in interest t0 original creditor, Net Credit. 2. Plaintiff is the only entity that purchased the debt after charge-off and its name and address is as follows: UHG I LLC; 6400 Sheridan Dr Suite 138, Williamsville NY 14221. 3. Plaintiff is a debt buyer, and is the sole owner of the debt at issue. 4. The charge-off creditor at the time of charge-off is NC FINANCIAL SOLUTIONS OF CALIFORNIA, LLC D/B/A NETCREDIT, 175 W. JACKSON BLVD.SUITE 1000, CHICAGO, IL 60604, and the account number associated with this debt is XXXXXXXXXXX5164. 5. Plaintiff is informed and believes that Defendant are individuals who currently reside within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the proper Court for trial 0f this action. COMPLAINT-l 0f5 EXhibit "35" KOOONONUILWNr-t NNNNNNNNNHh-h-b-Hb-h-th-HH OOVQKJIJ>UJN~OKOOOQONM$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 Theresa Castro , 807 LAWRENCE ROAD , SAN MATEO, CA 94401. 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 t0 the original creditor, Net Credit or made such application over the telephone 0r Internet. Pursuant t0 the aforementioned application, Net Credit provided Defendant With a credit account, and granted use privileges on the same, account number XXXXXXXXXXX5164 (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 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 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 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 t0 the terms governing the Account. 13. The date of last payment 0n the subject account was on January 31, 201 8. 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 0n the Account. 15. The debt balance at charge-offwas $4,648.5 1 , 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 $4,648.5 1. 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 of 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 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. Net Credit 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 $4,648.5 1 . 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 Net Credit. Although demand has been made upon Defendant, said amount 0f $4,648.51 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 0f 5 KOOONONUI-bUJNr-t NNNNNNNNNHh-kb-Ab-Ab-b-h-h-Hb-t OONQMJ>WN~O©OONONM$UJNHO WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $4,648.5 1, 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: 04/15/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-5 0f 5 r' . Q I; .u f gi f-|-" [X] Christopher D. Mandarich, Esq. Attorneysfor Plaintifl EXHIBIT A CALIFORNIA CONSUMER INSTALLMENT LOAN AGREEMENT AND PROMISSORY NOTE Disbursement Date (lnds may be disbursed prior to this date): Jul 25, 2017 Payment Date: Jul 3 1 , 201 9 Account #: .2289 Loan #: 164 Type of Contract: New Loan LICENSED LENDER'S OFFICE NC Financial Solutions ofCalifornia, LLC d/b/a NetCredit (License No. 603K020) I 75 W Jackson Blvd, Suite I000 Chicago, IL 60604- BORROWER Theresa Castro 807 lawrence road, SANMATEO, CA 94401 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 No. 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 ofBusiness Oversight regulates us. FORMORE INFORMATION CONTACT THE DEPARTMENT OF BUSINESS OVERSIGHT, STATE OF CALIFORNIA. You may contact our regulator at the California Department ofBusiness Oversight, Consumer Services Ofce, 320 West 4th Street, Suite 750, Los Angeles, CA 90013-2344. The Department’s website is Imp://www.dbo.ca.g(. The Department’s phone numbers are: - or-. You acknowledge this loan is for personal, family, or household purposes. In order to 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 or before the Disbursement Date designated above ("Disbursement Date"). We rely on the representations of you and other parties in determining the Disbursement Date. Despite our best efforts, unavoidable delays as a result of inadvertent processing errors and/or "acts of God" may extend the time for the deposit. FEDERAL TRUTH IN LENDING ACT DISCLOSURES ANNUAL PERCENTAGE FINANCE CHARGE Amount Financed The Total of Payments The amount you RATE The cost of your The dollar amount the amount of credit provided will have paid after you have made credit as a yearly rate. credit will cost you. to you or on your behalf. all payments as scheduled 149.27% $6,801.45 $3,050.00 $9,851.45 YOUR PAYMENT SCHEDULEWILL BE Payment number Amount of Payments When Payments Are Due 1 $205.28 Aug 15, 2017 2 $205.28 Aug 31, 2017 3 $205.28 Sep 15, 2017 4 $205.28 Sep 29, 2017 5 $205.28 Oct 13, 2017 6 $205.28 Oct 31, 2017 7 $205.28 Nov 15, 2017 8 $205.28 Nov 30, 2017 9 $205.28 Dec 15, 2017 10 $205.28 Dec 29, 2017 11 $205.28 Jan 12, 2018 12 $205.28 Jan 31, 2018 13 $205.28 Feb 15, 2018 14 $205.28 Feb 28, 2018 15 $205.28 Mar 15, 2018 16 $205.28 Mar 30, 2018 17 $205.28 Apr 13, 2018 18 $205.28 Apr 30, 2018 19 $205.28 May 15, 2018 20 $205.28 May 31, 2018 21 $205.28 Jun 15, 2018 22 $205.28 Jun 29, 2018 23 $205.28 Jul 13, 2018 24 $205.28 Jul 31, 2018 25 $205.28 Aug 15, 2018 26 $205.28 Aug 31, 2018 27 $205.28 Sep 14, 2018 28 $205.28 Sep 28, 2018 29 $205.28 Oct 15, 2018 30 $205.28 Oct 31, 2018 31 $205.28 Nov 15, 2018 32 $205.28 Nov 30, 2018 33 $205.28 Dec 14, 2018 34 $205.28 Dec 31, 2018 35 $205.28 Jan 15, 2019 36 $205.28 Jan31, 2019 37 $205.28 Feb 15, 2019 38 $205.28 Feb 28, 2019 39 $205.28 Mar 15, 2019 4O $205.28 Mar 29, 2019 41 $205.28 Apr 15, 2019 42 $205.28 Apr 30, 2019 43 $205.28 May 15, 2019 44 $205.28 May 31, 2019 45 $205.28 Jun 14, 2019 46 $205.28 Jun 28, 2019 47 $205.28 Jul 15, 2019 48 $203.29 Jul 31, 2019 Security You are giving a security interest in the ACH Authorizations. Late Charge 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. Prepayment If you cancel the loan before the cancellation deadline described below, any interest we have assessedwill be waived. If you 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 relnds and penalties. UP: 15/360 Itemization ofAmount Financed $3,050.00 Amount given to you directly The Itemization ofAmount Financed provision discloses the actual amount of 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 $3,050.00 (the amount of the principal) plus interest from the Projected Disbursement Date set forth above until the nal installment due date set forth in the payment schedule above (“Payment Schedule”), or any adjusted payment schedule subsequently agreed to by you and us and conrmed 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 lnd transfers, by making payment by another method acceptable to us. 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 of 150.00% (“Contract Rate”). Interest shall not be payable in advance or 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” (hereinaer the “APB”) means the loan principal balance that would be outstanding assuming you make each payment timely, less any additional prepayments ofprincipal. “Timely” means making payment in accordance with the Payment Schedule or any adjusted payment schedule agreed to by the parties and conrmed 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 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 ofprincipal may reduce the total amount of interest you pay under this Agreement. To process a partial or full prepayment or receive a payo balance, you should call us at - or tell us of your intent to prepay in writing via fax at 855-878-1068 or email at glppo_rt@netcredit.com. Please note that, unless otherwise specied, 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 to cancel this Loan until 06:00 PM Eastern Time on 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 lppo_rt@netcredit.com of your intent to cancel, which will authorize us to debit for the principal amount of the Loan, as described below. If you seek to cancel and your cancellation payment is successful, all interest that has accrued will be waived and you will have no lrther payment obligations under this Agreement. If you seek to cancel but your cancellation payment is returned unpaid or is otherwise not successll, your Loan will not be cancelled and your obligations under this Agreement will continue just as if you had not attempted to cancel. APPLICATION OF PAYMENTS. Payments will be applied rst 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 rst 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 lll. If you 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 of the next scheduled installment, then you must pay the difference on or before the corresponding installment due date. Making an installment payment in excess ofwhat 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 andmay 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”) to credit the checking or savings account specied in your Application/Data Verication 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 lrther 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 to obtain an accurate balance under this Agreement. PAYMENT AUTHORIZATION. EFT Authorization for Installment Payments; Error Correction; and in the Event of 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 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 of a scheduled payment within 15 days of its scheduled installment due date, you may be charged a late charge of $15.00 on or aer the next scheduled installment due date; o The nal 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 of 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 aer the date we accelerate; and o The amount required to 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. If you incur any late fees, you agree to allow us to add the amount of 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 do 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 of EFT transactions to the Deposit Account must comply with the provisions ofU.S. law. Modied Charges Instead of or in addition to any of the EFTs described above, you authorize us to process any EFTs you subsequently conrm by phone, fax, text message, email, or by logging into the online Loan account portal. Right to Stop Payment and Procedure for Doing So You may, at any time, terminate this Payment Authorization. Here’s how: Call us at -, write us via fax at 855- 878-1068, e-mail us at glpfm@netcredit.com. We will discontinue initiating any EFTs you specify as soon as we reasonably can and, in any event, within three business days aer receiving your termination request. If you call, we may also require you to put your request in writing and get it to us within 14 days aer you call. In the event that you terminate this authorization, you may make payments on your loan by calling us at- 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. No correspondence should be included. Range of Varying Amounts Please note that you have the right to receive notice of all transfers varying in amount. To receive such notice, please request one by calling us c/o NetCredit at - or writing us via fax at 855-878-1068 or e-mail at glppo_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% of the amount specied in the Payment Schedule (as adjusted for any partial prepayments you may make or any late fees you may incur) or any adjusted payment schedule subsequently agreed to by you and us and conrmed by us in writing. For any debit outside of this specied 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 nancial 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 nancial 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 D0 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 THATWE 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 notication from you, as instructed above, of its termination in such time and in such manner as to afford us and the nancial institution holding the Deposit Account a reasonable opportunity to act on it, or (ii) upon full and nal payment of the amount you owe us under this Agreement. Optional Nature ofAuthorization 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 signing this Payment Authorization and by entering the last four digits of your Social Security Number below 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 Ofcial 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, if you 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) if you do not pay in lll a payment in accordance with the Payment Schedule or any adjusted payment schedule subsequently agreed to by you and us and conrmed by us in writing; (ii) if you violate any promise you make to us in this Agreement; (iii) if you le for protection under the United States Bankruptcy Code, or become subject to a proceeding which seeks relief from debt; (iv) if you 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 to credit bureaus. Late payments, missed payments or other defaults on your Loan may be reected in your credit report. If you believe that any information about your Loan that we have furnished to a consumer reporting agency is inaccurate, or if you believe that you have been the victim of identity theft in connection with any Loan made by us, write to us at NC Financial Solutions of 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 specic information that is being disputed, (iii) explain the basis for the dispute and (iv) provide any supporting documentation you have that substantiates the basis of the dispute. If you believe that you have been the victim of identity theft, submit an identity theft afdavit or 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 ofCalifornia. 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 of this Agreement will remain valid and enforceable. This Agreement is a nal expression of 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. All 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. All notices to us must be sent via fax at 855-878-1068 or e-mail at glppo_rt@netcredit.com (“the Notice Address”), with such attention as may be specied 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. All 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 to le 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, or phone number (including your cell phone number) within een (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, noties us of a change of address and we have had a reasonable opportunity to act on such notice. PARTIAL PAYMENTSMARKED 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 lll” or with any similar language or that you otherwise tender as lll 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 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 relnded 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 afliates, agents, representatives, assigns and service providers ofus and our assignees (collectively, the “Messaging Parties”) to contact you using automatic telephone dialing systems, articial 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 lrther 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. You understand that, at any time, you may withdraw your consent to receive text messages and calls to your cell phone or to receive articial or prerecorded voice message system calls by calling the Messaging Parties at -. To stop text messages, you can also simply reply “STOP” to any text message the Messaging Parties send you. To stop emails, you can follow the opt-out instructions included at the bottom of the Messaging Parties' emails. ASSIGNMENT. We may sell or otherwise transfer our rights under this Agreement and amounts owed by you to another creditor at any time. Ifwe do, 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 of the Armed Forces and their dependents (“Covered Borrowers”). The provisions of this section apply to Covered Borrowers. If you would like more information about whether you are a Covered Borrower and whether this section applies to you, please contact us at -. Statement ofMAPR 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: (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 specied credit transactions or 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 to hear important disclosures and payment information about this Agreement, please call-. Covered Borrowers Savings Clause The provisions of this Paragraph apply only to a “Covered Borrower” as that term is dened by 32 C.F.R. § 232.3(g). If any contract provision not identied herein is contrary to the rights and protections afforded to you by Federal law pursuant to 10 U.S.C. § 987 and its implementing regulations, including, but not limited to 32 C.F.R. § 232.8, then the conicting provisions or proscribed terms are inoperative, and shall have no force and effect. However, all remaining contract terms and provisions not proscribed or 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 dene 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 le 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 nal 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 T0 REJECT ARBITRATION 0R (2) AS 0F THE DATE 0F THIS AGREEMENT, YOU ARE A MEMBER 0F THE ARMED FORCES 0R A DEPENDENT 0F SUCHMEMBER COVERED BY THE FEDERAL MILITARY LENDING ACT. IF YOUWOULD LIKE MORE INFORMATION ABOUTWHETHER YOU ARE COVERED BY THEMILITARY LENDING ACT, IN WHICH CASE THIS ARBITRATION PROVISION DOES NOT APPLY T0 YOU, PLEASE CONTACT US AT-. READ THIS ARBITRATION PROVISION CAREFULLY AS ITWILL HAVE A SUBSTANTIAL IMPACT 0N 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 T0 HAVE A JURY 0R 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 ARBITRATIONWITH 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. mp; 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, ofcers, shareholders, governors, managers, members, parent company or afliated 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 if you 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 led 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 of this Arbitration Provision, if either you or we elect to 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 or in arbitration, either as a class representative or class member, or (b) to join or consolidate Claims with Claims of any other persons. No arbitrator shall have authority to conduct any arbitration in violation of this provision or to issue any relief that applies to any person or entity other than you and/or us individually. (Provided, however, that the Class Action Waiver does not apply to any lawsuit or administrative proceeding led against us by a state or federal government agency even when such agency is seeking relief on behalf of a class of borrowers including you. This means that we will not have the right to compel arbitration of any claims brought by such an agency). The parties to this Arbitration Provision acknowledge that the Class Action Waiver is material and essential to the Arbitration Provision. If the Class Action Waiver is limited, voided or found unenforceable, then the parties’ Arbitration Provision (except for this sentence) shall be null and void with respect to such proceedings, subject to the right to appeal the limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that under no 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 certied 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 ofCalifornia, 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 les. If a lawsuit concerning the Claim has been led, such notice can be provided by papers led 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 1001 9 (1 -800- 778-7879), lpzwwwadnorg; or JAMS, 8401 N. Central Expressway, Suite 610, Dallas, TX 75225 (-), lpi/jamsadrcom. However, the parties may agree to a local arbitrator who is an attorney, retired judge, or arbitrator registered and in good standing with a bona de 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. 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 20 days in writing by certied mail, return receipt requested, of your decision to select an arbitration organization or your desire to select a local arbitrator. Your notice must be sent to NC Financial Solutions ofCalifornia, 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 of the rules and procedures by contacting the arbitration organization listed above. In an event of a conict between the provisions of the Arbitration Provision, on the one hand, and any applicable rules of 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 les a lawsuit in court asserting Claim(s) that are subject to arbitration and the other party les a motion to compel arbitration with the court which is granted, it will be the responsibility of 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 ofprocedure or evidence that would apply in a court, nor by state or 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 to amotion to 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 of the individual party seeking relief and only to the extent necessary to provide reliefwarranted by that party’s individual claim). Fees and Costs At your written request, we will pay all ling, 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 ling 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 ling 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 to Claim(s) asserted by you in an individual arbitration, we will pay your reasonable attorney, witness and expert fees and costs if and to 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. ABPe-al The arbitrator’s award shall be nal 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 ifpermitted by the Administrator’s rules, you or we can, within 14 days aer the entry of the award by the arbitrator, appeal the award to 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 to or modeled aer 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 nal decision of 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 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 of the Arbitration Provision; and (e) be sent to us by certied mail, return receipt requested, at NC Financial Solutions of California, LLC. Attn: General Counsel, 175 W. Jackson Blvd., Suite 1000, Chicago, IL 60604. This is the sole and only method by which you can submit a Claim Notice. Upon receipt of a Claim Notice, we will credit you for the standard cost of a certied letter. You must give us a reasonable opportunity, not less than 30 days, to resolve the Claim. If, and only if, (i) you submit a Claim Notice in accordance with this paragraph on your own behalf (and not on behalfof any other party); (ii) you cooperate with us by promptly providing the information we reasonably request; (iii) we refuse to provide you with the relief you 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 (or greater relief), you will be entitled to a minimum award of at least $7,500 (not including any arbitration fees and attorneys’ fees and costs to which you will also be entitled). We encourage you to 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 of $7,500 are not contemplated. OPT-OUT PROCESS. You may choose to opt out of this Arbitration Provision but o_nly 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 postmarked within sixty (60) calendar days of the date of this Agreement at the following address: NC Financial Solutions of California, LLC. Attn: General Counsel, 175 W. Jackson Blvd., Suite 1000, Chicago, IL 60604. Your notice must be sent to us by certied mail, return receipt requested. Upon receipt of an Opt-Out Notice, we will credit you for the standard cost of a certied 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 of the Arbitration Provision and must not be sent with any other correspondence. Indicating your desire to opt out of this Arbitration Provision will not affect your other rights or responsibilities under this Agreement, and applies only to this Arbitration Provision between you and us. Binding Effect; Survival; Severability This Arbitration Provision is binding upon and benets you, your respective heirs, successors and assigns. The Arbitration Provision is binding upon and benets 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 lll 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. 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FOR EXAMPLE, IFWE ELECT T0 REQUIRE YOU T0 ARBITRATE ANY CLAIM, YOUWILL NOT HAVE THE RIGHT T0 A JURY TRIAL 0R THE RIGHT T0 PARTICIPATE IN A CLASS ACTION IN COURT 0R IN ARBITRATION. 3. CONSENT TO ELECTRONIC COMMUNICATIONS AND ELECTRONIC SIGNATURES By clicking the “I AGREE” button below, you are conrming that: (1) your system meets the requirements set forth above in the Consent to Electronic Communications (the “Consent”); (2) you agree to receive all communications electronically and otherwise agree to the terms and conditions of the Consent; and (3) you are able to access and print or store information presented at this website. 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Signature block: Signed At: 09:58 PM on July 19, 2017 Connected From: 24.5.189.228 Signed By: Theresa Castro-- Signed As: Theresa Castro- Contract: {SHA} 53d6dc059f963803aa69b2ec4ffa6fedf98264ec ACH Authorization: {SHA} Ob067ac53f1542acffebda7d274b98c5a1d57f16 NetCredit Signature Block: Signed at: 01 :07 AM on July 21, 2017 Signed by: David Fisher, President, NC Financial Solutions, LLC, as sole member ofNC Financial Solutions ofCalifornia, LLC (d/b/a NetCredit) NetCredit: {SHA} 60eae1b7 1e75597c2432024efd5e35609f7b65 EXHIBIT B loan number id account_id state first_name |ast_name |oan_id activity_type 164 148229 CA Theresa Castro 1643 payment 164 148229 CA Theresa Castro 1643 payment 164 148229 CA Theresa Castro 1643 payment 164 148229 CA Theresa Castro 1643 payment 164 148229 CA Theresa Castro 1643 payment 164 148229 CA Theresa Castro 1643 payment 164 148229 CA Theresa Castro 1643 payment 164 148229 CA Theresa Castro 1643 payment 164 148229 CA Theresa Castro 1643 payment 164 148229 CA Theresa Castro 1643 payment 164 148229 CA Theresa Castro 1643 payment 164 148229 CA Theresa Castro 1643 payment 164 148229 CA Theresa Castro 1643 default 164 148229 CA Theresa Castro 1643 default 164 148229 CA Theresa Castro 1643 default 164 148229 CA Theresa Castro 1643 default 164 148229 CA Theresa Castro 1643 default 164 148229 CA Theresa Castro 1643 default 164 148229 CA Theresa Castro 1643 default 164 148229 CA Theresa Castro 1643 default 164 148229 CA Theresa Castro 1643 default 164 148229 CA Theresa Castro 1643 call_due event_effective_date agency_id activity_amount past_due_ba|ance_outstanding 8/15/2017 6 205.28 0 8/31/2017 6 205.28 0 9/15/2017 6 205.28 0 9/29/2017 6 205.28 0 10/13/2017 6 205.28 0 10/31/2017 6 205.28 0 11/15/2017 6 205.28 0 11/30/2017 6 205.28 0 12/15/2017 6 205.28 0 12/29/2017 6 205.28 0 1/12/2018 6 205.28 0 1/31/2018 6 205.28 0 2/16/2018 6 205.28 205.28 3/1/2018 6 205.28 410.56 3/16/2018 6 220.28 630.84 3/31/2018 6 220.28 851.12 4/14/2018 6 220.28 1071.4 5/1/2018 6 235.28 1306.68 5/16/2018 6 205.28 1511.96 6/1/2018 6 220.28 1732.24 6/16/2018 6 220.28 1952.52 6/18/2018 6 2695.99 4648.51 \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO Electrunically Christopher D. Mandarich SB 220693 ”gummm aflnlrfifih.CM? 9f5m Mam. Ajay Sood 33325294 Hayk Stambultsyan $3320973 '5'” 4/28/2021 Amber Swearingen-Ojuri SB324653 Bir-Lfllnuhw- MANDARICH LAW GROUP, LLP “F“? P.O. BOX 109032 Chicago, IL 60610 Phone: 877.285.49 1 8 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-02492 Plaintiff, COMPLAINT FOR: VS_ FILE BY FAX 1. ACCOUNT STATED Hadeel Areiqat, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant. DEMAND; $2,604.80 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., P.O. BOX 98873 LAS VEGAS, NV 89193, and the account number associated With this debt is XXXXXXXXXXXX6830. 4.The subj ect credit account has been purchased by the following entities after charge-off: MHC Receivables, LLC P.O. BOX 98873 LAS VEGAS, NV 89193. Sherman Originator III LLC P.O. BOX 98873 LAS VEGAS, NV 89193. The subject credit account was transferred by Sherman Originator III LLC to Plaintiff Midland Credit Management, Inc, Who maintains an address at 350 Camino De La Reina Suite 100, San Diego CA 92108. 5.P1aintiff is informed and believes that Defendant are individuals Who currently reside Exhibit "36" 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 Hadeel Areiqat, 843 Wildwood Ave , Daly City, CA 940 1 5 . 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 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 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 0n the same, account number XXXXXXXXXXXX683O (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 CREDIT ONE BANK, 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 CREDIT ONE BANK, 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 15, 2020. 15.Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected t0 pay amounts due 0n the Account. 16.The debt balance at charge-off was $2,604.80, 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 $2,604.80. 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 to the collection 0f amounts owing 0n the Account. Plaintiff has been required to retain COMPLAINT-3 0f 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO Mandarich Law Group, LLP 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 $2,604.80 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 $2,604.80 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 $2,604.80, 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: 04/27/2021 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 6830 December 22, 2019 to January 21, 2020 SUMMARY OF ACCOUNT ACTNI'I'Y PAYMENT INFORMATION Previous Balance $2,265.91 New Balance $2,350.10 Payments - $1 04.00 Past Due Amount $432.00 Other Credits - $0.00 Amount Due This Period $1 57.00 Purchases + $104.00 Mlnlmum Payment Due $589.00 Cash Advances + $0.00 Payment Due Date 02/17/20 Fees Charged + $39.00 Late PB . _yment Wamrng.Interest Charged + “5'19 If we do not receive your minimum payment by the date listed above, New Balance $2,350.10 you may have to pay a late fee up to $39. . . . Mlnlmum Payment Wamlng: Greg“ L'm't _ $200000 If you make only the mlnlmum payment ead1 period, you wlll pay moreAva'lable cmd'! $000 in interest and it will take you longer to pay o your balance. Statement Closmg Date 01/21/20 Days in Billing Cycle 31 For If you make no You will pay off the And you wlll QUESTIONS? addltlonal charges balance shown on end up paying Call Customer Service or Report using this cord and 're statement in an esmated a Lost or Stolen Credit Card 1-877-825-3242 each month you Pay". about... Mal of... Outside the U.S. Call 1-702-405-2042 Only me mlnlmum Please send billing inquiries and correspondence to: payment s years $3,493.00 P.O. Box 98873, Las Vegas, NV 891 93-8873 $94.00 3 years $3,351 .00 (Savings: $112.00) If you would like a location for credit counseling sen/ices, Gall 1-666-515-6720. TRANSACTIONS Reference Number Trans Date Post Date Description of Transaction or Credit Amount F572700D50000R000 01 I15 01l15 ADJUSTMENT-PAYMENTS 104.00 74071 930ZO0XTMJJ9 01l15 01l15 PAYMENT - THANK YOU LAS VEGAS NV -104.00 Fees 01/21 01I21 LATE FEE 39.00 TOTAL FEES FOR THIS PERIOD 39.00 Interest Charged 01I21 01/21 Interest Charge on Purchases 35.90 01/21 01/21 Interest Charge on Cash Advances 9.29 TOTAL INTEREST FOR THIS PERIOD 45.19 2020 Totals Year-to-Date Total fees charged in 2020 $39.00 Total interest charged in 2020 $45.1 9 YOUR CREDIT CARD ACCOUNT HAS BEEN CLOSED BECAUSE IT IS PAST DUE. IF YOU HAVE ANY QUESTIONS REGARDING YOUR ACCOUNT, PLEASE CONTACT US AT 1-888-729-6274. Your account is currently closed. 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 25.40%(v) $1 95.62 $35.90 Cash Advances 25.40%(v) $439.00 $9.29 (v) = Variable Rate 5385 JBH 001 7 21 200121 0 CXPAGE 1 of1 2 0 5727 9620 A210 O1GR5385 Please relrm III's portion with your payment, and wrim your account number on your check, made payable to CREDITONE BANK Account Number: New Balance:Crgeéitggg” PAY YOUR BILL ONLINE at CredltOrreBank.com -6830 $2,350.10 Minimum Payment Due: $589.00 For address, telephone and email changes, Payment Due Data: please complete the reverse side. Or, update your contact Information onllne at www.CradltOneBank.com. 02/1 7/20 AMOUNT ENCLOSED: CREDIT ONE BANK HADEEL AREIQAT P0 BOX 60500 843WILDWOOD AVE CITY OF INDUSTRY CA 9171 6-0500 DALY CITY CA 94015-3504 --4 EXHIBIT B CREDIT ONE BANK CREDIT CARD STATEMENT Account Number- 6830 March 22, 2020 t0 April 21, 2020 SUMMARY OF ACCOUNT ACTNI'I'Y PAYMENT INFORMATION Previous Balance $2,520.95 New Balance $2,604.80 Payments - $0.00 Past Due Amount $799.00 Other Credits - $0.00 Amount Due This Period $1 ,844.80 Purchases + $0.00 Mlnlmum Payment Due $2,604.80 Cash Advances + $0.00 Payment Due Date 05/1 7/20 Fees Charged + $39.00 Late PB ant Wami _ Interest Charged + “4'85 If we doerot receive xur minimum payment by the date listed above, New Balance 52160480 you may have to pay a late fee up to $39. . . . Mlnlmum Pa ment Waml : Greg“ L'm't _ $200000 If you make Znly the mlnlmglrm payment ead1 period, you wlll pay moreAva'lable cmd'! $000 in interest and it will take you longer to pay o your balance. Statement Closmg Date 04/21/20 Days in Billing Cycle 31 For If you make no You wlll pay off the And you wlll QUESTIONS? addltlonal charges balance shown on end up paying Call Customer Service or Report using this card and 're statement in an esmated a Lost or Stolen Credit Card 1-877-825-3242 each month you Pay-u about-u Mal 0f"- Outside the U.S. Call 1-702-4052042 Only the mlnlmum Please send billing inquiries and correspondence to: payment 1 months $2,605.00 P.O. Box 98873, Las Vegas, NV 891 93-8873 If you would Ilke a location for credlt oounsellng sen/Ices, call 1-866-515-6720. TRANSACTIONS Reference Number Trans Date Post Date Description of Transaction or Credit Amount Fees 04l21 04/21 LATE FEE 39.00 TOTAL FEES FOR THis PERIOD 39.00 Interest Charged 04I21 04I21 Interest Charge on Purchases 36.11 04l21 04l21 Interest Charge on Cash Advances 6.74 TOTAL INTEREST FOR THIS PERIOD 44.85 2020 Totals Year-to-Date Total fees charged in 2020 $156.00 Total interest charged in 2020 $182.89 Your account is currently closed. 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 23.90%(v) $1 ,81 2.62 $36.11 Cash Advances 23.90%(v) $439.00 $8.74 (v) = Variable Rate 5385 JBH 001 7 21 200421 0 EXPAGE 1 of1 2 0 5727 9620 A210 O1GR5385 Please return III's portion with your payment, and wrim your account number on your check. made payable to CREDITONE BANK Account Number: New Balance:Crgéiggg” PAY YOUR BILL ONLINE at CredltOneBank.com -6830 $2,604.80 Minimum Payment Due: $2,604.80 For address, telephone and email changes, Payment Due Data: please complete the reverse side. Or, update your contact Information onllne 05/1 7/20 AMOUNT ENCLOSED:at www.Cred|tOneBank.com. I.I|I..I.I.I....II.I.I...I....l.II.I.I.I|.II...II|..II.II..|.II.. CREDIT ONE BANK HADEEL AREIQAT P0 BOX 60500 843WILDWOOD AVE CITY OF INDUSTRY CA 9171 6-0500 DALY CITY CA 94015-3504 \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO Electrunically FILEChristopher D. Mandarich SB 220693 5L. m f ”r ”m. mm Ajay Sood 33325294 3"“ wilggjizfmw Hayk Stambultsyan SB320973 Amber Swearingen-Ojuri SB324653 Bir-Lfllnuhw- MANDARICH LAW GROUP, LLP “F“? 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-02493 Plaintiff, COMPLAINT FOR: VS_ FILE BY FAX 1. ACCOUNT STATED Tessie Francisco, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant. DEMAND; $1,820.51 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., P.O. BOX 98873 LAS VEGAS, NV 89193, and the account number associated with this debt is XXXXXXXXXXXXI 87 8. 4.The subj ect credit account has been purchased by the following entities after charge-off: MHC Receivables, LLC P.O. BOX 98873 LAS VEGAS, NV 89193. Sherman Originator III LLC P.O. BOX 98873 LAS VEGAS, NV 89193. Credit One Bank, N.A. P.O. BOX 98873 LAS VEGAS, NV 89193. MHC Receivables, LLC P.O. BOX 98873 LAS VEGAS, NV 89193. The subj ect credit account was transferred by Sherman Originator III LLC to Plaintiff Midland Credit Management, Inc, who maintains an address at 350 Camino De La Reina Suite 100, San Diego CA 92108. COMPLAINT-l of5 EXhibit "37" \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO 5.P1aintiff 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 Tessie Francisco, 119 Huntington Dr , Daly City, CA 940 1 5 . 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 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 0f the Defendant's separate and/or community property. 9.P1aintiff believes that, for value received, Defendant and each of them, executed and delivered a credit card application t0 the original creditor, Credit One Bank, N.A. 0r 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 XXXXXXXXXXXXI 878 (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 0fgoods and service and/or cash advances and balance. 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 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 0f last payment 0n the subject account was 0n January 4, 2018. 15.Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected t0 pay amounts due 0n the Account. 16.The debt balance at charge-off was $1,820.5 1 , 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 $1,820.51. 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 $1,820.5 1 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 $1,820.51 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 $1,820.5 1, 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: 04/27/2021 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 1878 November 07, 2017 to December 06, 201 7 SUMMARY OF ACCOUNT ACTIVITY PAYMENT INFORMATION Previous Balance $1 287.49 New Balance $1 287.47 Payments - $74.95 Past Due Amou nt $0.00 Other Credits - $0.00 Amount Due This Period $65.00 Purchases + $12.24 Minimum Payment Due $65.00 Cash Advances + $0.00 Payment Due Date 01/02/18 Fees Charged + $37.20 L . ‘ ate Payment Wamlng. lmeres‘ Charged + $2549 If we do not receive your minimum payment by the date listed above, New Balance $1 1287-47 you may have to pay a late fee up to $35 . . . Minimum Payment Warning: cred“ L'm't , $1 ’250'00 If you make only the minimum payment each period, you will pay more Avallable cred'! $000 in interest and it will ‘ake you longer to pay off your balance. Statement Closmg Date 12/06/17 Days in Billing Cycle 30 For example: QUESTIONS? Call Customer Service or Report a Lost or Stolen Credit Card Outside the U.S. Call 1-877-825-3242 1-702-405-2042 Please send billing inquiries and correspondence to: P.O. Box 98873, Las Vegas, NV 89193-8873 If you make no additional charges using this card and You will pay offthe balance shown on the s‘atement in And you wi|| end up paying an estimated each month you pay... about... total of... Only the minimum payment 5 years $1 £84.00 $51.00 3 years $1 £40.00 (Savings: $144.00) If you would like a Iocafion for credit counseling services. call 1-866-515-5720. TRANSACTIONS Reference Number Trans Date Post Date Description of Transaction or Credit Amount 7407193A100XTMJMR 11/17 11/17 PAYMENT - DEBIT CARD LAS VEGAS NV -74.95 12/06 12/06 CREDIT PROTECT 1 866 803 1745 12.24 Fees F572700A1000Y1 11/17 11/17 EXPRESS PAYMENT FEE LAS VEGAS NV 9.95 F572700AJ000YY 12104 12/04 AUTHORIZED USER FEE LAS VEGAS NV 19.00 F572700ALOOOCYLAC 12106 12/06 ANNUAL FEE 01/18 THROUGH 01/18 8.25 TOTAL FEES FOR THIs PERIOD 37.20 Interest Charged 12/06 12IOG Interest Charge on Purchases 25.49 12106 12/06 Interest Charge on Cash Advances 0.00 TOTAL INTEREST FOR THIS PERIOD 25.49 2017 Totals Year-to-Date Total fees charged in 2017 Total interest charged in 2017 $422.85 $284.74 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) $1 228.43 $25.49 Cash Advances 24.90%(v) $0.00 $0.00 (v) = Variable Rate 5385 JBH 001 7 6 171206 O OPAGE1 of1 20 5727 9620 M115 01E05385 Please return this portion with your payment. and write your account number on your check, made payable (o CREDIT ONE BANK, .......”MOT? $ fifi PAY YOUR BILL ONLINE at CreditOneBank.com Cm fig} Account Number: - 1878 R A N "’ New Balance: $1,287.47 Minimum Payment Due: $65.00 Payment Due Date: 01/02/18 For address, telephone and email changes, please complete the reverse side. Or, update your contact information online at www.CreditOneBank.com. 'IIIIIII"II'I""I'I'I'II'IIIIWIII'IIIIIIIIIIIIIIIIIIIIII'lll' TESSIE FRANCISCO 119 HUNTINGTON DR DALY CITY CA 94015-3817 CREDIT ONE BANK PO BOX 60500 CITY OF INDUSTRY CA 91716-0500 0007495 0128747 0006500-1878 9 EXHIBIT B CREDIT ONE BANK CREDIT CARD STATEMENT Account Number 1878 July 07, 2018 to August 06, 2018 PAYMENT INFORMATIONSUMMARY OF ACCOUNT ACTNI'I'Y Previous Balance $1 ,743.81 Paymenw - $0.00 Other Credits - $0.00 Purchases + $0.00 Cash Advances + $0.00 Fees Charged + $43.25 Interest Charged + $33.45 New Balance $1 20.51 Credit Limit $1 250.00 Available Credit $0.00 Statement Closing Date 08/06/18 Days in Billing Cycle 31 QUESTIONS? Call Customer Service or Report a Lost or Stolen Credit Card 1-877-825-3242 0mide the U.S. Call 1-702-405-2042 Please send billing inquiries and correspondence to: P.O. Box 98873, Las Vegas, NV 891 93-8873 New Balance Past Due Amount Amount Due This Period Mlnlmum Payment Due Payment Due Date Late Payment Weming: you may have to pay a late fee up to $35. Mlnlmum Payment Wamlng: in interest and it will take you longer to pay o your balance. If we do not receive your minimum payment by the date listed above, If you make only the mlnlmum payment eadl period, you wlll pay more $1 ,820.51 $539.00 $1 ,31 6.51 $1,820.51 09/02/18 For If you make no You will pay off the And you wlll additional charges balance shown on end up paying using this card and 'le statement in an esmated each month you pay... about... ml of... Only the mlnlmum payment 1 months $1 ,821 .00 If you would Ilke a location for credit counseling sen/Ices, call 1-866-515-6720. TRANSACTIONS Reference Number Trans Date Post Date Description cf Transaction or Credit Amount Fees F572700KAOOOCYLAC 08/06 08/06 ANNUAL FEE 09/18 THROUGH 09/18 8.25 08/06 08/06 LATE FEE 35.00 TOTAL FEEs FOR THIS PERIOD 43.25 Interest Charged 08/06 08/06 Interest Charge on Purchases 33.45 08/06 08/06 Interest Charge on Cash Advances 0.00 TOTAL INTEREST FOR THIS PERIOD 33.45 2018 Totals Year-to-Date Tomi fees charged in 2018 $346.00 Total interest charged in 2018 $212.51 YOUR ACCOUNT IS SCHEDULED T0 BE CHARGED OFF. THE BALANCEWILL BE DUE IN FULL. CALL (888) 729-6274. Your account is currently closed. 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 25.65%(v) $1 ,564.75 $33.45 Cash Advances 25.65%(v) $0 .00 $0.00 (v) = Variable Rate 5385 .IBH 001 7 a 180806 o cx PAGE1 an 2 o 5727 9620 M115 01505335 Please return Ilia portion with your payment, and wrim your account number on your check. made payable to CREDITONE BANK Crgéiggggg” For address, telephone and email changes, please complete the reverse side. Or, update your contact Information onllne at www.CredItOneBank.com. CREDIT ONE BANK PO BOX 60500 CITY OF INDUSTRY CA 9171 6-0500 PAY YOUR BILL ONLINE at CredltOneBank.com Account Number: - 1878 New Balance: $1 ,820.51 Minimum Payment Due: $1,820.51 Payment Due Date: 09/02/18 AMOUNT ENCLOSED: TESSIE FRANCISCO 119 HUNTINGTON DR DALY CITY CA 94015-381 7 \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO Electrunically FILE Christopher D. Mandarich SB 220693 WW“mmmm-Cm’ “”5“" “m” Ajay Sood 33325294 '3" 4/28/2021 Hayk Stambultsyan SB320973 By {5,5Ignfihgl gainfi Amber Swearingen-Ojuri SB324653 HIM? 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'02494 Plaintiff, COMPLAINT FOR: vs. 1. ACCOUNT STATED MARY SOTO, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant. DEMAND; $3,366.80 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 XXXXXXXXXXXX7972. 5.P1aintiff is informed and believes that Defendant are individuals Who currently reside Exhibit "38" 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 MARY SOTO, 1427 E 3RD AVE APT 1 , SAN MATEO, CA 94401. 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 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 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 XXXXXXXXXXXX7972 (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 November 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 t0 pay amounts due 0n the Account. 16.The debt balance at charge-off was $3,401.80, 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 $3,366.80. 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 $3,366.80 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 $3,366.80 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 $3,366.80, 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: 04/26/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-S 0f 5 QML/ ]Christopher D. Mandarich, Esq. Attorneysfor Plaintifl” EXHIBIT A Visit us at tjx.syf.com or Call 1-844-397fflfiflm SOTO Account Numhding79fl2 29 Day Billing Cycle from 10/25/2019 to 11/22/2019 Payment Information New Balance: 2 725_71 Payments mu§t be_received by 5pm ET on Total Minimum Payment Due: $$128_00 12/16/2019 1f mallgd, or by 11:59pm ET on Payment Due Date_ 12/16/2019 12/16/2019 for onllne and phone payments. NOTICEWe may convert your payment into an Late Payment WEE . gdo not receive your Total .efitrggip deb't.ISee reverge for details, Billing Due by the Payment Due Date listed above, you m§%{ggve(%o pag.émfififigfiflfielnformatlon' up to $35.00. Minimum Payment Wdfihynyzmake 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 noYou will pay afifl you wilL end additional chargehe balance up paying 1n using this :aréhown on thisestimated total and each month statement in of you pay .. . about Only the minimlm 12 years $7,271.00 payment If you would like infnmmhticmmm$£fifimgcabkvices 1-877-302-8775. Account Summary Previous Bakanmfi'lO/25/2019 $2,859.24 credit Limit I $4,310 Payments _ 234.00Avallablg Credit $0 Fees Charged + 35.00 gashngTltc h fig?Interest Charges + 65.47 val a e as New Balanae of 11/22/2019 $2,725.71 TJX Rewards Summary Points Earned O Points to Next Reward 1,000 8640 ABJ l 7 21 191122 F PAGE l 0f 3 1410 1000 T302 01ED8640 -l Use blue or wamrimmumber - 7972 detach & mail NEWHBEQane $2,725.71 Checmbtal Minimum Payment Due $128.00 Payment Due Date 12/16 2019 Amount Enclosed No other correspondence please. Print new address or email changes on back. MARY SOTO 1427 E 3RD AVE APT l SAN MATEO CA 94401-2138 MakéFJX REWARDS/SYNCB Paymeflw BOX 530949 toATLANTA, GA 30353-0949 MARY SOTO Account Numhding79fl2 29 Day Billing Cycle from 10/25/2019 to 11/22/2019 TJX Rewards Detail Your TJX Rewards Summary as ofll/22/2019 Beginning Points Balance O Points Earned - Total O Points Redeemed as Rewards Certificates O Current Points Balance O 1,000 Points to Next Rewards Certificate Transaction Detail Date Reference # Description Amount Payments -$234.00 11/19 8524366A400XTZROM PHONE PAYMENT-THANK YOU -$234.00 Total Fees Charged This Period $35.00 11/16 LATE FEE $35.00 Total Interest Charged this Period $65.47 11/22 INTEREST CHARGE ON PURCHASES $65.47 11/22 INTEREST CHARGE ON CASH ADVANCES $0.00 erest 00 80 l3 Year-to-Date Fees and I areeS n eres n eres r a a a Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate ohflyeflfVEmiaimni.Rate Type of Expiration Annual Balance Subject toInterest Balance Date Percentage Rate Interest Rate Charge Purchases N/A 28.74% $2,867.12 $65.47 Cash Advances N/A 29.99% $0.00 $0. O Cardholder News and Information Did you know your World Mastercard offers Mastercard ID Theft Protection. For more information about current benefits offered by Mastercard, please visit: www.mastercard.com/corecredit-GTB You can pay your bill online or over the phone. We noticed you've been enjoying our easy paperless pa longer be including return envelopes. You can make things even easier by selecting the paperless sta1 online. **Purchases subject to credit approval. See Rewards Program Terms for details. The TJX Rewards World Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard Inte Mastercard is a registered trademark of Mastercard International Incorporated. 8640 ABJ 1 7 21 191122 F PAGE20f3 1410 1000 T302 01ED8640 8640 ABJ 1 7 21 191122 F PAGE3of3 1410 1000 T302 01ED8640 EXHIBIT B Visit us at th.syf.com MARY SOTO or Call 1-877-822-2015 Account Numhding79fl2 31 Day Billing Cycle from 04/24/2020 to 05/24/2020 Payment Information N B l : 3 366_80 Payments must be received by 5pm ET on Aggun: 22:: Due. $$é13 00 06/16/2020 if mailed, or by 11:59pm ET on Total Minimum Payment Due_ $958‘00 06/16/2020 for online and phone payments. Payment Due Date: 06/16/2020 NOTICEWe may convert your payment into an electronic debit. See reverse for details, Billing _ , Ri%hts and other important information.Late Payment Whfinmmgdo not receive your Total M1 lmum Payment Due by the Payment Due Date listed above, you may have to pay a late fee up to $35.00. Minimum Payment Wdfihymyzmake 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 noYou will pay Gfifl you wilL end additional chargehe balance up paying 1n using this ,ar¢hown on thisestimated total and each month statement in of you pay .. . about Only the minimgm ll years $7,176.00 payment If you would like inénmmfitLomua$em1ngcabkvices 1-877-302-8775. Account Summary Previous Bakfinmfi 04/24/2020 $3,256.09 Credit Limit $4,310 Fees Charged + 35.00 Availablg credit $0 Interest Charges + 75.71 giggliéTétCash $¥gNew Balanae of 05/24/2020 $3,366.80 TJX Rewards Summary Points Earned O Points to Next Reward 1,000 TJX Rewards Detail Your TJX Rewards Summary as of05/24/2020 Beginning Points Balance Points Earned - Total Points Redeemed as Rewards Certificates Current Points Balance OOOO 1,000 Points to Next Rewards Certificate Transaction Detail Date Reference # Description Amount Total Fees Charged This Period $35.00 05/16 LATE FEE $35.00 Total Interest Charqed This Period $75.71 05/24 INTEREST CHARGE ON PURCHASES $75.71 05/24 INTEREST CHARGE ON CASH ADVANCES $0.00 2020 Year-to-Date Fees and I erest a ees ar 00 a n eres r 93 n eres . 0 8640 ABJ l 7 21 200524 FDPAGE l 0f 5 1410 1000 T302 01ED864O -l Use blue or wamrimmumber - 7972 detach & mail NEWHBEQunce $3,366.80 Checmbtal Minimum Payment Due $958.00 Payment Due Date 06/16 2020 Amount Amount Enclosed Past Due $813.00 No other correspondence please. Print new address or email changes on back. MARY SOTO 1427 E 3RD AVE APT l SAN MATEO CA 94401-2138 MakéFJX REWARDS/SYNCB Paymeflw BOX 530949 toATLANTA, GA 30353-0949 MARY SOTO Account Numhding79fl2 31 Day Billing Cycle from 04/24/2020 to 05/24/2020 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate ohflyeuflfimiahflazRate Type of Expiratian Annual Balance Subject toInterest Balance Date Percentage Rate Interest Rate Charge Purchases N/A 26.9%% $3,302.65 $75.71 Cash Advances N/A 29.99% $0.00 $0. O Cardholder News and Information YOUR ACCOUNT IS PAST DUE. PLEASE PAY THE MINIMUM PAYMENT DUE OR CONTACT THIS OFFICE AT THE PHONE NUMBER LISTED ON YOUR STATEMENT. We are here to support you and are working hard to ensure our Synchrony team members can continue to uninterrupted, dependable service. We encourage you to use our online and mobile servicing tools. As COVID-19 and its impact continue to evolve and develop, we remain focused on the health and safetj communities, as well as our commitment to you, our customers. We are also aware that some of our customers may experience financial hardship as a result of COVID- contact us to discuss how we can help. Did you know your World Mastercard offers Mastercard ID Theft Protection. For more information about current benefits offered by Mastercard, please visit: www.mastercard.com/corecredit-GTB You can pay your bill online or over the phone. We noticed you've been enjoying our easy paperless p2 longer be including return envelopes. You can make things even easier by selecting the paperless sta1 online. **Purchases subject to credit approval. See Rewards Program Terms for details. The TJX Rewards World Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard Inté Mastercard is a registered trademark of Mastercard International Incorporated. 8640 ABJ 1 7 21 200524 FDPAGEZOES 1410 1000 T302 01ED8640 8640 ABJ 1 7 21 200524 FDPAGE3of5 1410 1000 T302 01ED8640 8640 A8J l 7 21 200524 FDPAGE4of5 1410 lOOO T302 OlED864O 8640 A8J 1 7 21 200524 F D PAGE 5 of 5 1410 1000 T302 O1ED8640 \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO Electmnicaily by Superior Camlnffialrfc-rniafimmly :af San Maren Christopher D. Mandarich SB 220693 EN 4/29/2021 Ajay Sood 33325294 t B Hayk Stambultsyan $3320973 3" fflgeruflufleflm Amber Swearingen-Ojuri SB324653 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-02504 Plaintiff, COMPLAINT FOR: vs. 1. ACCOUNT STATED BENJAMIN NAVARRO, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant. DEMAND; $6,198.40 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, CAPITAL ONE BANK (USA), 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 0f 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 XXXXXXXXXXXXO326. 5.P1aintiff is informed and believes that Defendant are individuals Who currently reside Exhibit "39" 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 BENJAMIN NAVARRO, APT K 814 ANTOINETTE LN, SOUTH SAN FRANCISCO, 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 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 card application to the original creditor, CAPITAL ONE BANK (USA), NA. or made such application over the telephone or Internet. Pursuant to the aforementioned application, CAPITAL ONE BANK (USA), N.A. provided Defendant with a credit account, and granted use privileges on the same, account number XXXXXXXXXXXX0326 (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 CAPITAL ONE BANK (USA), 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 CAPITAL ONE BANK (USA), 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 June 16, 2018. 15.Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected t0 pay amounts due 0n the Account. 16.The debt balance at charge-off was $6,198.40, 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 $6,198.40. 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, CAPITAL ONE BANK (USA), 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 \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 $6,198.40 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 CAPITAL ONE BANK (USA), N.A.. Although demand has been made upon Defendant, said amount 0f $6,198.40 has not been paid, and it is now due, owing and unpaid from Defendant t0 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 $6,198.40, 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: 04/27/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-S 0f 5 QML/ ]Christopher D. Mandarich, Esq. Attorneysfor Plaintifl” EXHIBIT A Cawm Page 1 of 2Platinum MasterCard Account Ending in 0326 Apr. 20, 2018- May 19, 2018 | 3O days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, Previous Balance $5,044.70 the deadline is 8pm ET. Jun- 16’ 2018 Payments -$168.00 New Balance Minimum Payment Due Other Credits $0.00 $4,986 . 59 $ 1 59 .OO 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 $35.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you IntereSt Charged + $10989 longer to pay off your balance. For example: New Balance = $438659 [f you make no You will pay off And you wi|| additional charges using the balance shown end up paying I I . this card and each on this statement an estimated Credlt LImIt $5,150.00 month ou a in about... total of... , ,y p y Avanable Credit (as of May 19, 2018) $163.41 Minimum Payment 25 Years $15506 Cash Advance Credit Limit $300.00 2 2 Y 7 271 . .$ O 3 ears $ ’ Avallable Credlt for Cash Advances $163.41 Estimated savings if balance is paid off in about 3 years: $8,235 If you would like information about credit counseling services, call 1-888-326-8055. 300083 Make a statement. \“x ‘U ‘. Go paperless. Stop waiting for your bill t0 arrive ‘In the mail and go paperless today. Account Notifications G) 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: 1-800-903-3637 See reverse for Important Information Carfi- Payment Due Date: Jun. 16, 2018 Please send us this portion of your statement and only une check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. 400032 Thanks for using less paper! Now that you're paying your bill online or by phone, we’ll n0 longer include a return envelope. Account Ending in 0326 New Balance $4,986.59 Minimum Payment Due Amount Enclosed $159.00 $ BENJAMIN NAVARRO APT K 31H ANTOINETTE LN SOUTH SAN FRANCISC01 CA HHDED-BBE? Capital One Bank (USA)1 N-A- P.0. Box EDEHH City of Industryn CA Hl?lb-DSHH 1 0326 19 4986590168000159007 How can | Avoid Pavinq Interest Charqes? If you pay your statement‘s New Balance in full by the due date, we wi|| 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 wi|| charge interest on the podion 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 first 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 vou assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 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 transactions). .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 When your APR(s) will change your APR(s) APR(s)? Index + mallin P Prime Rate + margin The first day of the Billing Cycles that L 3 month LIBOR + margin end in Jan., April, July, and Oct. D Prime Rate + margin The first day of each Billing Cycle. F 1 month LIBOR + margin How can | 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 wi|| stop assessing your monthly membership Fee. How can | Close Mv Account? You can contact Customer Service anytime to request that we close your account. Chanqinq Mailinq Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. Street ................................................................................................................ City ................................................................................................................... State ........................................................... Zip code ...................................... Phone ............................................................................................................... Email ................................................................................................................ 001 How do vou 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 vou Applv Mv Pavment? We generally apply payments up to your Minimum Payment first 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 lower APRs. Billinq Riqhts Summary (Does not Apply 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 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 wi|| 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 wi|| 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 Dissatisfied With Your Purchase: 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, 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 for the purchase. If all of the criteria above are met and you are still dissatisfied 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 finish our investigation, we wi|| 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 | 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 electronic 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 wi|| vou Credit Mv Pavment? 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. d Page 2 of 2cap”Jme Platinum MasterCard Account Ending in 0326Apr. 20, 2018 - May 19, 2018| 3O days in Billing Cycle Get the app deSIgned to save time. Visit to see detailed transactions. Eficrtlessly manage youraccounton the go with \ the Capital One” mobiie app. BENJAMIN NAVARRO #0326: Payments, Credits and Adjustments Date Description Amount May 14 CAPITAL ONE MOBILE PYMTAuthDate - $168.00 14-May BENJAMIN NAVARRO #0326: Transactions Date Description Amount Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $109.89 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $109.89 - Total Fees charged in 2018 $25.00 Total Interest charged in 2018 $544.32 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) ta Interest Rate Purchases 26.40% P $5,064.30 $109.89 Cash Advances 26.40% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. EXHIBIT B mg“ Payment Information Account Summary Page 1 of 3 Platinum MasterCard Account Ending in 0326 Dec. 20, 2018- Jan. 19, 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 $6,198.40 $6,198.40 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 $6,057.17 Payments $0.00 Other Credits $0.00 Transactions + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $141.23 New Balance = $6,1 98.40 Available Credit (as of Jan. 19, 2019) N/A 300079 C Iaplfa/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: 1-800-258-9319 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 0326 ’ New Balance Minimum Payment Due Amount Enclosed $6,198.40 $6,198.40 $ BENJAMIN NAVARRO APT K Bl” ANTOINETTE LN SOUTH SAN FRANCISCO1 CA 39050-332? ap'a/IOne® Capital One P.0. Box LDSHH City of Industry1 CA 31715-0533 ’I 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 $0.50 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. ' ' Page 2 of 3 Capital ‘° Platinum MasterCard Account Ending in 0326./ Dec. 20, 2018 - Jan. 19, 2019 | 31 days in Billing Cycle Transactions 300079 Visit to see detailed transactions. ’° ® BENJAMIN NAVARRo #0326: Payments, Credits and Adjustments ap'ta/lom Date Description Amount BENJAMIN NAVARRO #0326: Transactions Date Description Amount Date Description Amount Total Fees for This Period $0.00I Interest Charge on Purchases $141.23 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $141.23f Total Fees charged $0.00 Total Interest charged $141.23 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 $6,125.23 $141.23 Cash Advances 27.15% 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 1-800-258-9319 if you have questions about this notice. -46 charged ff being ce h veri department. al - -2 -93 questions t oti . \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO Electrunically FILE Christopher D Mandarich SB 220693 :fiuw mmDmmm' CM? gm"m Ajay Sood SB325294 4/29/2021 Hayk Stambultsyan $3320973 Bv-mwfagflflfl- Amber Swearingen-Ojuri SB324653 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 No. 21 _CLJ_02506 Plaintiff, COMPLAINT FOR: vs. 1. ACCOUNT STATED NADIA I MORALES, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant. DEMAND; $1,246.48 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, CAPITAL ONE BANK (USA), 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 0f 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 XXXXXXXXXXXX6885. 5.P1aintiff is informed and believes that Defendant are individuals Who currently reside Exhibit "40" 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 NADIA I MORALES, 137 N GRANT ST , SAN MATEO, CA 94401. 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 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 card application to the original creditor, CAPITAL ONE BANK (USA), NA. or made such application over the telephone or Internet. Pursuant to the aforementioned application, CAPITAL ONE BANK (USA), N.A. provided Defendant with a credit account, and granted use privileges on the same, account number XXXXXXXXXXXX6885 (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 CAPITAL ONE BANK (USA), 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 CAPITAL ONE BANK (USA), 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 December 9, 2019. 15.Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected t0 pay amounts due 0n the Account. 16.The debt balance at charge-off was $1,246.48, 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 $1,246.48. 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.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. 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 $1,246.48 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) 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 CAPITAL ONE BANK (USA), N.A.. Although demand has been made upon Defendant, said amount 0f $1,246.48 has not been paid, and it is now due, owing and unpaid from Defendant t0 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 $1,246.48, 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: 04/26/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-S 0f 5 QML/ ]Christopher D. Mandarich, Esq. Attorneysfor Plaintifl” EXHIBIT A cagéig%* Page 1 of 2 Platinum MasterCard Account Ending in 6885 Dec. 08, 2019- Jan. 07, 2020 | 31 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, Previous Balance $1,027.26 the deadline is 8pm ET.Feb - O41 2020 Payments - $30.00 New Balance Minimum Payment Due Other Credits $0.00 $1,056.26 $14]. .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 + $38-00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you IntereSt Charged + $21-00 longer to pay off your balance. For example: New Balance = $1 ’056-26 If you make no You wi|| 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 $1,000.00 month ou a in about... total of... . .y p y Available Credit (as oi Jan. o7, 2020) $0.00 Minimum Payment 7 Years $21122 Cash Advance Credit Limit $750.00 lfyuu would like information about credit counseling services, call 1-888-326-8055. Available Credit for Cash Advances $0.00 300080 Get your account back on track. Visit capitalone.com to make a payment today. Account Notifications For questions about this account, please give us a call at 1-800-955-6600. 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. Q 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. Customer Service: 1-800-903-3637 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. Payment Due Date: Feb. 04, 2020 Account Ending in 6885 40003 Manage your account on your time. New Balance $1,056.26 Minimum Payment Due $141.00 $ NADIA I HORALES 13? N GRANT ST SAN HATE01 CA HHHDl-ll Amount Enclosed You can access account information -, _, on our secure webSIte anytime, 24/7. Capital One P.0. Box EDSHH City of Industry1 CA Hl?lh-DSHH1 How can | Avoid Paying Interest Charges? If you pay your New Balance in full by the due date each month, we will not charge interest on new transactions that post to the purchase balance. If you have been paying in full without Interest Charges, but fail to pay your next New Balance in full, we will charge interest on the unpaid balance. Interest Charges on Cash Advances and Special Transfers start on the tansaction date. Promotional offers may allow you to pay less than the total New Balance and avoid paying interest on new transactions that post to your purchase balance. See the front of your statement for additional information. How is the Interest Charge Determined? Interest Charges accrue from the date of the transaction, date the transaction is processed or the rst day of the Billing Cycle. Interest accrues daily on every unpaid amount until it is paid in full. Interest accrued during a Billing Cycle posts to your account at the end of the Billing cycle and appears on your next statement. You may owe Interest Charges even if you pay the entire New Balance one month, but did not do so the previous month. Once you start accruing Interest Charges, you generally must pay your New Balance in full two consecutive Billing Cycles before Interest Charges stop being posted to your Statement. 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 tansactions). 1. 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 tansactions 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 yourtotal 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 misstatement 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. Changi_ng Mailing Address? You can change your address by signing into your account online or culling Customer Service. Pay online at www.capitalone.com Pay using our mobile app 001 How can I Close My Account? You can contact Customer Service anytime to request that we close your account. 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. 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 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 curd, 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 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 2020 Capital One. Capital One is a federally registered service mark 01/01/20 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. NADIA l MORALES #6885: Payments, Credits and Adjustments Date Description Amount Dec 9 Cap 1 EIecPhonert VRUAuthDate 09-Dec - $30.00 NADIAI MORALES #6885: Transactions Date Description Amount Date Description Amount Jan 4 PAST DUE FEE $38.00 Total Fees for This Period $38-00 Interest Charge on Purchases $21.00 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $21 .00 Total Fees charged $38.00 Total Interest charged $21 .00 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 24.40% P $1,013.22 $21.00 Cash Advances 24.40% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. Additional Account Notifications (D You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. Page 2 of 2 Platinum MasterCard Account Ending in 6885 Dec. 08, 2019 - Jan. 07, 2020 | 31 days 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. 680 EXHIBIT B mg“ Payment Information Account Summary Page 1 of 5 Platinum MasterCard Account Ending in 6885 May 08, 2020- Jun. 07, 2020 | 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 $1,246.48 $1,246.48 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 $1,222.48 Payments $0.00 Other Credits $0.00 Transactions + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $24.00 New Balance = $1 ,246.48 Available Credit (as of Jun. 07, 2020) N/A 300079 C Iaplfa/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.com. Customer Service: 1-800-258-9319 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 6885 ’ New Balance Minimum Payment Due Amount Enclosed $1,246.48 $1,246.48 $ NADIA I HORALES 13? N GRANT ST SAN HATE01 CA HHHDl-ll ap'a/IOne® Capital One P.0. Box LDSHH City of Industry1 CA Hl?lh-DSHH1 How can | Avoid Paying Interest Charges? If you pay your New Balance in full by the due date each month, we will not charge interest on new transactions that post to the purchase balance. If you have been paying in full without Interest Charges, but fail to pay your next New Balance in full, we will charge interest on the unpaid balance. Interest Charges on Cash Advances and Special Transfers start on the tansaction date. Promotional offers may allow you to pay less than the total New Balance and avoid paying interest on new transactions that post to your purchase balance. See the front of your statement for additional information. How is the Interest Charge Determined? Interest Charges accrue from the date of the transaction, date the transaction is processed or the rst day of the Billing Cycle. Interest accrues daily on every unpaid amount until it is paid in full. Interest accrued during a Billing Cycle posts to your account at the end of the Billing cycle and appears on your next statement. You may owe Interest Charges even if you pay the entire New Balance one month, but did not do so the prior month. Once you start accruing Interest Charges, you generally must pay your New Balance in full two consecutive Billing Cycles before Interest Charges stop being posted to your Statement. 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 tansactions). 1. 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 tansactions 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 yourtotal 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 misstatement 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. 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 can I Close My Account? You can contact Customer Service anytime to request that we close your account. 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. 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 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 curd, 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 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 2020 Capital One. Capital One is a federally registered service mark 01/01/20 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 5 Capital ‘° Platinum MasterCard Account Ending in 6885./ May 08, 2020 - Jun. 07, 2020| 31 days in Billing Cycle Transactions 300079 Visit to see detailed transactions. ’° ® NADIA I MORALEs #6885: Payments, Credits and Adjustments ap'ta/lom Date Description Amount NADIAI MORALES #6885: Transactions Date Description Amount Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $24.00 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $24.00 Total Fees charged $1 15.00 Total Interest charged $1 34.22 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 22.90% P $1,234.05 $24.00 Cash Advances 22.90% 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 1-800-258-9319 if you have questions about this notice. -46 charged ff being ce h veri department. al - -2 -93 questions t oti . \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO Electmnicaily ' ' 5 far: nfclrtmiaxn firs M en. Chrlstopher D.Mandar1ch SB 220693 w ”p” w” a “m“ N" at Ajay Sood 33325294 fl“ 4/29/2021 Hayk Stambultsyan SB320973 Elf fflnthflng B-Erini Amber Swearingen-Ojuri SB324653 DEF“? IEI'H MANDARICH LAW GROUP, LLP P.O. Box 109032 Chicago, IL 60610 Phone: 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintifl: MIDLAND FUNDING LLC SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED MIDLAND FUNDING LLC, Case N021 -CLJ-02507 Plaintiff, COMPLAINT FOR: VS. 1. ACCOUNT STATED EUFRECINA FUENTES, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant. DEMAND; $2,225.23 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1.P1aintiff is and at all times herein mentioned, MIDLAND FUNDING LLC, 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 FUNDING LLC 2365 Northside Drive 3rd floor 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 XXXXXXXXXXXX5242. 5.P1aintiff is informed and believes that Defendant are individuals Who currently reside Exhibit "41 " 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 EUFRECINA FUENTES, 164 SANTA DOMINGA AVE , SAN BRUNO CA 94066, . 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 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 card application to the original creditor, CITIBANK, N.A. or 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 XXXXXXXXXXXX5242 (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 \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 August 10, 2017. 15.Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected t0 pay amounts due 0n the Account. 16.The debt balance at charge-off was $2,225.23, 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 $2,225.23. 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 \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 $2,225.23 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 CITIBANK, N.A.. Although demand has been made upon Defendant, said amount of $2,225.23 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 $2,225.23, 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: 04/25/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-S 0f 5 QML/ ]Christopher D. Mandarich, Esq. Attorneysfor Plaintifl” EXHIBIT A sears Card® Customer Service: searsmrdnom Account Inquiries: 1-800-91 7-7700 Account Statement Send Notice of Billing Errors and Customer Service Inquiries to: SEARS CREDIT CARDS PO Box 6283, Sioux Falls, SD 571 17-6283 F _ _ W F _ WSummary of Account Actlwty Payment Information PreVIous Balance $1 ,657.16 New Balance $1 ’671 33 Payments . "$5000 Minimum Payment Due $81 .00 Other Gred'ts '$O'OO Pa ment Due Date Se tember 12 2017 Purchases +$0.00 y p ’ Cash Advances +$0.00 Late Payment Warning: If we do not receive your minimum payment by the Fees Charged +$27loo date listed above, you may have to pay alate fee up to $37. Interest Charged +$37.1 7 Minimum Payment Warning: If you make only the minimum payment each New Ba|ance $1 ,671 _33 period, you will pay more in interest and it will take you longer to pay off your balance. For example: fast Due Amount $0.00 J (Credit Limit $2 00000 \ Only the mlnlmum payment 10 years $3,907 Available Credit $328.00 $68 3 $2,432 . . . Years - _ Amount Over Credit LImIt $0.00 (saV’ngs-$7’475) Statement Closing Date 08/1 6/201 7 It you would like information about credit counseling services, call 1-877-337-8187. Next Statement Closing Date 09/15/201 7 @ays in Billing Cycle 31 J k J Please see the enclosed deferred interest promotional offer updatefor important information. Please update your phone number, including cell phone number on the back of the payment coupon. Smiles Guarantggd. Get Sears & Kmart gift cards in store or online. Terms and conditions are applied to gift card. PLEASE SEE IMPORTANT INFORMATION ON PAGE 2. Page 1 of 4 SE 9 This Account is Issued by Citibank, N.A. O Please detach and return lower portion with your payment to insure proper credit. Retain upper portion for your records. O Your Account Number is- 5242 Sear8® Payment Due Date September 12, 2017 Po Box 6286 . . SIOUX FALLS, SD 57117-6286 Attentlon: t0 make an ln-StOI‘e New Balance 51571-33 payment at Sears and Kmart Past Due Amount $0.00 0n your sears card account Minimum Payment Due $81.00 you will also need to present your Sears card. Statement Enclosed Please print address changes on the reverse side. Make Checks Payable tov SEARS CREDIT CARDS PO BOX 78051 PHOENIX, AZ 85062-8051 EUFRECINA M FUENTES 164 SANTA DOMINGA AVE SAN BRUNO, CA 94066-5527 EIEE'EIEI EIEIEIBLEIEI EllI:7l33 EIEIEIEEIEIEI EIEE'LIE' D‘ll? Page 2 of 4 /A/- SE - 9351-5000-0025 -/B/- EM - 9 - RAPDCH10 - - -/C/- - 0 - - 35 -/D/- P - E - Y - 0 - Y -/E/- 0 - - - 0 - 0 - 0 - /F/- 07/17/17 - 01/01/16 - 19 - July 16, 2017 -/G/- N - - - -/H/- 0 - - PFAB -V -/I/- - - 0 - 0 - - -/J/- - - - 17I26 ACCOUHtI “H “H H“ 5242 Deferred Interest Promotional Offer Update From time to time, you may be offered special limited time only deferred interest promotional offers. Deferred interest promotional offers include the following types of offers: No Interest if Paid in Full in 6 Months No Interest if Paid in Full in 12 Months No Interest if Paid in Full in 18 Months No Interest if Paid in Full in 24 Months No Interest if Paid in Full in 36 Months No Interest if Paid in Full in 48 Months No Interest if Paid in Full in 60 Months No Interest if Paid in Full by a specific date (for example, by December 31, 2018) If the balance is not paid in full by the end of the promotional period, interest charges will be imposed from the purchase date at the variable purchase rate on your account which is 26.24% APR. Variable APRs are as of August 1, 2017 and will vary with the market based on the Prime Rate. These offers are not available all the time and may be limited to specific merchandise and/or have minimum payment and purchase requirements as disclosed in the offer. Your card agreement, the terms of the offer and applicable law govern these transactions including increasing APRs and fees and termination of the promotional period. If you have any questions, please contact us at 1-866-533-2468. For TDD/TTY assistance, please call 1-866-357-2484. TRANSACTIONS Trans Date Description Reference # Amount 08/10 PAYMENT - THANKYOU P9351006200XTNGG9 $ 50.00- FEES 08/12 LATE FEE $ 27.00 TOTAL FEES FOR THIS PERIOD $ 27.00 INTERESTCHARGED 08/16 INTEREST CHARGE ON PURCHASES $ 37.17 TOTAL INTEREST FOR THIS PERIOD $ 37.17 Total Fees Charged in 201 7 $27.00 Total Interest Charged in 2017 $258.29 ACTIVITY AND PROMOTIONS DETAIL Original Purchases, Promotion Promotion Payments Cash Adv, 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 REGULAR - - $1 ,657. 1 6 $50.00- $27.00 $37. 1 7 $1 ,671 .33 - - - TOTAL $1 ,657. 1 6 $50.00- $27.00 $37.1 7 $1 ,671 .33 $0.00 $0.00 INTEREST CHARGE CALCULATION PURCHASES REGULAR 26.24% (D)(V) $1 ,668.19 $37.17 (V) = Variable Rate (D) = Daily Page 3 of 4 Page 4 of 4 WWW mmz‘mn g {SMMM‘M I; Na, Lam: m m a! 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(22222 2222222 22.1222222222 2222 2222‘ 2.22.12 2‘22 2 .2‘22 P2222 22222 22.2 22.112 22222.1 22.12 2 2222 2‘22 2‘2“ 22.1.22 ‘1 2.1: .12 2‘2: .1222222:.2.2 ‘22 2‘2 2222 2 H2222: .12222 ”222.2 .12222 .12 222 .122 .22 2‘ 2223122322222 222 2‘2: 22“!2 222 22 22222222 2‘22 2:.12 2" 2 2‘2 ”22222 22.12242‘22-‘222 22 .122 22‘ 222:” 2222‘2‘3 .12‘22‘ V .12"2 222222 22.1.21 22‘222.12 222.22222‘222‘2 .222 *2 r 22 2 2222c. W.‘ 222. 22v 222 222222.326 2‘22‘:.12‘22c 2222:: .12 «2‘2 22‘22‘22 22232222222232‘222222222 .1.2 22.22 22.2.22; 2.12 22“ 2.‘ 222224 2224 2[222.22‘2 22222 222 2.222223222‘22 222‘ 22 E2 22:2 ‘22“2 222222 22222.22222 ‘22‘1L 22.1 22v 2‘2.1 2‘2‘22. 22 222 ‘f. 222 22222 222.2‘ .122 .12‘22‘2222‘ .122 2 ‘2/2222 2222 22222 2 2222222 2222.13222‘22222u22222 ,222‘:22222. EXHIBIT B Account Statement Send Notice of Billing Errors and Customer Service Inquiries to: ' . SEARS CREDIT CARDSCUStomer seerce' PO Box 6283, Sioux Falls, SD 571 17-6283 searsmrdnom sears Gard® Account Inquiries: 1-800-91 7-7700 F _ _ W F _ WSummary of Account Actlwty Payment Information :reV'oust Balance $313333 New Balance $2,225.23aymen S ' ' M'n'mum Pa ment Due 777.00 Other credits '$O'OO P; lment Du: Date A r” 1$2 2018 Purchases +$0.00 y p ’ Cash Advances +$0.00 Late Payment Warning: If we do not receive your minimum payment by the Fees Charged +$37loo date listed above, you may have to pay alate fee up to $37. Interest Charged +$48.79 Minimum Payment Warning: If you make only the minimum payment each New Ba|ance $222523 period, you will pay more in interest and it will take you longer to pay off your balance. For example: fast Due Amount $668.00 J (Credit Limit $000 \ Only the mlnlmum payment 9 years $4,197 Available Credit $0.00 $90 3 $3,249 . . . Years - _ Amount Over Credit LImIt $395.23 (saV’ngs-$948) Statement Closing Date 03/1 6/201 8 It you would like information about credit counseling services, call 1-877-337-8188. Next Statement Closing Date 04/15/201 8 @ays in Billing Cycle 31 J k J 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 03/12 LATE FEE $ 37.00 TOTAL FEES FOR THIS PERIOD $ 37.00 INTERESTCHARGED 03/16 INTEREST CHARGE ON PURCHASES $ 48.79 TOTAL INTEREST FOR THIS PERIOD $ 48.79 8 SE 9 PLEASE SEE IMPORTANT INFORMATION ON PAGE 2. Page 1 of 4 This Account is Issued by Citibank, N.A. O Please detach and return lower portion with your payment to insure proper credit. Retain upper portion for your records. O searS® Your Account Number is- 5242 Payment Due Date April 12, 2018 Po Box 6286 SIOUX FALLS, SD 571 17-6286 New Balance 52325-23 Past Due AmountT $668.00 Minimum Payment Due $777.00 Statement Enclosed TPast Due Amount is included in the Minimum Payment Due. Please print address changes on the reverse side. Make Checks Payable tov SEARS CREDIT CARDS EUFRECINA M FUENTES PO BOX 78051 164 SANTA DOMINGA AVE PHOENIX, AZ 85062-8051 SAN BRUNO, CA 94066-5527 EIEE'EIEI [ID???EIEI EIEE'E'SE'H EIEIEIEEIEIEI EIEE'LIE' [I‘ll]; Page 2 of 4 /A/- SE - 9351-5000-0025 -/B/- EM - 9 - RAPDCH10 - - -/C/-E - 9 - X - 35 -/D/- P - E - Y - 0 - N -/E/- 7 - - - 402 - 0 - 0 - /F/- 01/17/18 - 01/01/16 - 26 - February 13, 2018 -/G/- N - - - -/H/- 0 - - PFAB -V -/I/- - - 0 - 0 - - -/J/- - - - 17I26 ACCOUHtI “H “H H“ 5242 Total Fees Charged In 201 8 $1 1 1 .00 Total Interest Charged in 2018 $137.66 ACTIVITY AND PROMOTIONS DETAIL Original Purchases, Promotion Promotion Payments Cash Adv, 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 REGULAR - - $2, 1 39.44 - $37.00 $48.79 $2,225.23 - - - TOTAL $2,139.44 $0.00 $37.00 $48.79 $2,225.23 $0.00 $0.00 INTEREST CHARGE CALCULATION Your Annual Percenla e Rate (APR) is the annual interest rate on our account PURCHASES REGULAR 26.49% (D)(V) $2, 1 68.86 $48.79 (V) = Variable Rate (D) = Daily Page 3 of 4 Page 4 of 4 \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO Electrunically FILEChristopher D. Mandarich SB 220693 ”Summm Dfflllmml CM?flhnm Ajay Sood SB325294 Hayk Stambultsyan $3320973 '3'” 4/29/2021 Amber Swearingen-Ojuri SB324653 By Ia! Ianfihll gains: MANDARICH LAW GROUP, LLP “P”? 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-0251 0 Plaintiff, COMPLAINT FOR: vs. 1. ACCOUNT STATED JENNIE WINTER, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant. DEMAND; $5,206.59 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, CAPITAL ONE BANK (USA), 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 0f 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 XXXXXXXXXXXX6263. 5.P1aintiff is informed and believes that Defendant are individuals Who currently reside Exhibit "42" 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 JENNIE WINTER, 815A BELMONT AVE , BELMONT, CA 94002-2013. 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 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 card application to the original creditor, CAPITAL ONE BANK (USA), NA. or made such application over the telephone or Internet. Pursuant to the aforementioned application, CAPITAL ONE BANK (USA), N.A. provided Defendant with a credit account, and granted use privileges on the same, account number XXXXXXXXXXXX6263 (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 CAPITAL ONE BANK (USA), 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 CAPITAL ONE BANK (USA), 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 13, 2019. 15.Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected t0 pay amounts due 0n the Account. 16.The debt balance at charge-off was $5,206.59, 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 $5,206.59. 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, CAPITAL ONE BANK (USA), 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 \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 $5,206.59 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 CAPITAL ONE BANK (USA), N.A.. Although demand has been made upon Defendant, said amount 0f $5,206.59 has not been paid, and it is now due, owing and unpaid from Defendant t0 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 $5,206.59, 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: 04/27/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-S 0f 5 QML/ ]Christopher D. Mandarich, Esq. Attorneysfor Plaintifl” EXHIBIT A . Page 1 of 2 ca ital " Visa Platinum Account Ending in 6263p ./ Apr. 16, 2019- May 15, 2019 | 3O days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, Previous Balance $4,671.91 the deadline is 8pm ET. Jun- 12’ 2019 Payments - $600.00 New Balance Minimum Payment Due Other Credits $0.00 $4, 1 70.90 $ 1 O]. .OO 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 + $39 00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you IntereSt Charged + $5999 longer to pay off your balance. For example: New Balance = $4,170.90 [f you make no You will pay off And you wi|| additional charges using the balance shown end up paying ‘ I I . this card and each on this statement an estimated Credlt LImIt $4,700.00 month ou a in about... total of... . .y p y Avanable Credit (as of May 15, 2019) $529.10 Minimum Payment 17 Years $8847 Cash Advance Credit Limit $3,700.00 14 Y 2 . .$ 6 3 ears $5’ 63 Avallable Credlt for Cash Advances $529.10 Estimated savings if balance is paid off in about 3 years: $3,584 If you would like information about credit counseling services, call 1-888-326-8055. 300083 Make a statement. Go paperless. Stop waiting for your bill t0 arrive ‘In the mail and go paperless today. Account Notifications G) 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: 1-800-955-7070 See reverse for Important Information Please send us this portion of your statement and only une check (or one money order) to Capifa ' ensure your payment is processed promptly. Allow at least seven business days for delivery. 400038 /_\ Get the app desngned I . t0 save time. Payment Due Date: Jun. 12, 2019 ACCOUHt Erldlng In 6253 Effomessly manage your . . .. t. account on the go with New Balance Minimum Payment Due Amount Enclosed the Capita| Oneamobile app $4,170.90 $101.00 $ JENNIE MINTER 315A BELMONT AVE BELMONT: CA HHDUE-EDIE Capital One III I P-o- BOX Eusqq ”I City of Industryn CA 317lE-DSHH 1 6263 15 4170900600000101009 How can | Avoid Pavinq Interest Charqes? If you pay your statement‘s New Balance in full by the due date, we wi|| 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 wi|| charge interest on the podion 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 first 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 vou assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 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 transactions). .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 When your APR(s) will change your APR(s) APR(s)? Index + mallin P Prime Rate + margin The first day of the Billing Cycles that L 3 month LIBOR + margin end in Jan., April, July, and Oct. D Prime Rate + margin The first day of each Billing Cycle. F 1 month LIBOR + margin How can | 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 wi|| stop assessing your monthly membership Fee. How can | Close Mv Account? You can contact Customer Service anytime to request that we close your account. Chanqinq Mailinq Address? You can change your address by signing into your account online or calling Customer Service. Pay online at www.capitalone.com Pay using our mobile app 001 How do vou 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 vou Applv Mv Pavment? We generally apply payments up to your Minimum Payment first 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 lower APRs. Billinq Riqhts Summary (Does not Apply 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 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 wi|| 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 wi|| 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 Dissatisfied With Your Purchase: 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, 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 for the purchase. If all of the criteria above are met and you are still dissatisfied 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 finish our investigation, we wi|| 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 | 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 electronic 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 vou Credit Mv Pavment? 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. Cam Janet Transactions Visit to see detailed transactions. JENNIE WINTER #6263: Payments, Credits and Adjustments Date Description Amount May 12 Payment received. Thank you! - $600.00 JENNIE WINTER #6263: Transactions Date Description Amount Date Description Amount May 15 CAPITAL ONE MEMBER FEE $39.00 Total Fees for This Period $39.00 Interest Charge on Purchases $58.70 Interest Charge on Cash Advances $1.29 Interest Charge on Other Balances $0.00 Total Interest for This Period $59.99 1 Total Fees charged $1 91 .00 Total Interest charged $305.64 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 15.79% F $4,523.20 $58.70 Cash Advances 15.79% F $99.36 $1.29 P,L,D,F = Variable Rate. See reverse of page 1 for details. Page 2 of 2 Visa Platinum Account Ending in 6263 Apr. 16, 2019 - May 15, 2019| 3O days in Billing Cycle 300086 r"7" Get the app designed to save time. Effortlessly manage your account on the go with \ the Capital One” mobiie app. EXHIBIT B mg“ Payment Information Account Summary Page 1 of 4 Visa Platinum Account Ending in 6263 Nov. 16, 2019- Dec. 15, 2019 | 30 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 $5,206.59 $5,206.59 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 $5,142.43 Payments $0.00 Other Credits $0.00 Transactions + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $64.16 New Balance = $5,206.59 Available Credit (as of Dec. 15, 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.com. Customer Service: 1-800-258-9319 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 6263 ’ New Balance Minimum Payment Due Amount Enclosed $5,206.59 $5,206.59 $ JENNIE WINTER 515A BELMONT AVE BELMONT1 CA HHDDE-EDLB ap'a/IOne® Capital One P.0. Box LDSHH City of Industry1 CA Hl?lh-DSHH 1 6263 15 5206590600005206596 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 $0.50 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 ca “a, ‘“ Visa Platinum Account Ending in 6263p ./ Nov. 16, 2019 - Dec. 15, 2019 | 30 days in Billing Cycle Transactions 300079 Visit to see detailed transactions. ’° ® JENNIE WINTER #6263: Payments, Credits and Adjustments ap'ta/lom Date Description Amount JENNIE WINTER #6263: Transactions Date Description Amount Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $62.85 Interest Charge on Cash Advances $1 .31 Interest Charge on Other Balances $0.00 Total Interest for This Period $64.16 Total Fees charged $305.00 Total Interest charged $753.79 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 15.09% F $5,068.12 $62.85 Cash Advances 15.09% F $105.23 $1.31 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. -46 charged ff being ce h veri department. al questions t oti . \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO Electrunically Christopher D. Mandarich SB 220693 FILE Ajay SOOd SB325294 barium Euurt nfCaIIfu-rnia. Cumw n:nfhn Mam: Hayk Stambultsyan SB320973 DH 4/29/2021 Amber Swearingen-Ojuri SB324653 BI,MANDARICH LAW GROUP, LLP Deputy beam 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'0251 1 Plaintiff, COMPLAINT FOR: VS_ FILE BY FAX 1. ACCOUNT STATED Ivan Vasquez, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant. DEMAND; $1,559.97 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 XXXXXXXXXXXX2040. 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 0f5 EXhibit "43" \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 Ivan Vasquez, 3232 Middlefield Rd Apt 7, Menlo Park, CA 94025. 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 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 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 0n the same, account number XXXXXXXXXXXX204O (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 CREDIT ONE BANK, 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 CREDIT ONE BANK, 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 subj ect account was 0n November 1, 2018. 15.Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected t0 pay amounts due 0n the Account. 16.The debt balance at charge-off was $1,559.97, 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 $1,559.97. 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 to the collection 0f amounts owing 0n the Account. Plaintiff has been required to retain COMPLAINT-3 0f 5 \OOOQQUl-bwwr-t NNNNNNNNNb-Ab-Ar-tr-tr-tr-Ar-Ar-Ab-Ab-A OOQONU‘I-bwwfi-‘OKOOONONUI-PWNHO Mandarich Law Group, LLP 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 $1,559.97 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 $1,559.97 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 $1,559.97, 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: 04/26/2021 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 AccountNumber- 2040 November 08, 2018 to December 07, 2018 SUMMARY OF ACCOUNT ACTIVITY pAYMENT |N|=0RMAT|0N Previous Balance $984.37 New Balance $1 ,143.73 Payments - $0.00 Past Due Amount $50.00 Other Credits - $0.11 Amount Due This Period $93.00 Purchases + $94.51 Minimum Payment Due $143.00 Cash Advances + $0.00 Payment Due Date 01/03/19 Fees Charged + $43.25 Late Pa ent Wamin : IntereSt Charged + 321'" Ifwe doyrrirot receive ygur minimum payment by the date listed above, New Balance $1 ’143-73 you may have to pay a late fee up to $35. . . . Minimum Pa ment Wamin : Greg“ L'm't _ $1 ’150'00 If you make Xnly the minimim payment each period, you will pay moreAva'lable cred't $600 in interest and it will take you longer to pay off your balance.Statement ClosIng Date 12/07/1 8 Days in Billing Cycle 30 For example: If you make no You will pay off the And you will QUESTIONS? 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 mInImum Please send billing inquiries and correspondence to: payment 4 years $1,735.00 P.O. Box 98873, Las Vegas, NV 89193-8873 $46.00 3 years $1 ,651 .00 (Savings: $84.00) If you would like a location for credit counseling servi call 1-866-515-5720. ces, TRANSACTIONS Reference Number Trans Date Post Date Description of Transaction or Credit Amount 2461043NQO3PXJRA1 11/11 11/11 ROSS STORES #5 REDWOOD CITY CA 13.04 2468808NLOWKDXXL 11/20 11/20 BAGEL ST CAFE REDWOOD CITY CA 7.00 2461043NN03R5FLDD 11/21 11/21 ROSS STORES #1 279 SAN CARLOS CA 27.17 2443106NS2M8BXRMG 11/25 11/25 BIG 5 SPORTING GOODS 058 REDWOOD CITY 19.78 CA 2443106NS2M8BXRRK 11/25 11/25 BIG 5 SPORTING GOODS 058 REDWOOD CITY 19.53 CA F572700NV000FR 11/27 11/27 CREDIT ONE REWARD CREDIT LAS VEGA -0.11 CREDIT 2449215NYJJ1VN3RQ 11/29 11/29 EFOODCARD.COM H'I'I'PSWWW.EFOO OR 7.99 Fees F572700P5000CYLAC 12/07 12/07 ANNUAL FEE 01 l1 9 THROUGH 01/1 9 8.25 12/07 12/07 LATE FEE 35.00 TOTAL FEES FOR THIS PERIOD 43.25 Interest Charged 12/07 12/07 Interest Charge on Purchases 21 .71 12/07 12/07 Interest Charge on Cash Advances 0.00 TOTAL INTEREST FOR THIS PERIOD 21.71 2018 Totals Year-to-Date Total fees charged in 2018 Total interest charged in 2018 $434.60 $213.56 5385 JBH 001 YOUR ACCOUNT IS PAST DUE. IT IS NOT TOO LATE TO PROTECT YOUR CREDIT RATING! PLEASE PAY THE MINIMUM AMOUNT DUE NOW OR CALL (888) 729-6274. 7 7 181207 0 DPAGE1of2 20 5727 9620 M165 O1 FH5385 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 lll...l....l.l.l.....lI....lll.l.l...l....l.l.l..lll.ll..l.ll.... PAY YOUR BILL ONLINE at CreditOneBank.com Account Number: New Balance: - 2040 $1,143.73 Minimum Payment Due: $143.00 Payment Due Date: 01/03/19 AMOUNT ENCLOSED: s IVAN VASQUEZ 3232 MIDDLEFIELD RD APT 7 MENLO PARK CA 94025-1 855 CREDIT ONE BANK CREDIT CARD STATEMENT AccountNumber- 2040 November 08, 2018 to December 07, 2018 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 25.65%(v) $1 ,015.36 $21 .71 Cash Advances 25.65%(v) $0.00 $0.00 (v) = Variable Rate 5385 JBH 001 7 7 181207 0 D PAGE2 of2 2 0 5727 9620 M165 O1 FH5385 EXHIBIT B CREDIT ONE BANK CREDIT CARD STATEMENT Account Number- 2040 May 08, 2019 to June 07, 2019 PAYMENT INFORMATIONSUMMARY OF ACCOUNT ACTIVITY Previous Balance $1 ,488.26 Payments - $0.00 Other Credits - $0.00 Purchases + $0.00 Cash Advances + $0.00 Fees Charged + $43.25 Interest Charged + $28.46 New Balance $1 ,559.97 Credit Limit $1 ,150.00 Available Credit $0.00 Statement Closing Date 06/07/19 Days in Billing Cycle 31 QUESTIONS? Call Customer Service or Report a Lost or Stolen Credit Card 1-877-825-3242 Outside the U.S. Call 1-702-405-2042 Please send billing inquiries and correspondence to: P.O. Box 98873, Las Vegas, NV 891 93-8873 New Balance $1 ,559.97 Past Due Amount $447.00 Amount Due This Period $1 ,147.97 Minimum Payment Due $1,559.97 Payment Due Date 07/03/19 Late Payment Warning: Ifwe do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no You will pay off the And you will additional charges balance shown on end up paying using this card and the statement in an estimated each month you pay... about... total of... Only the minimum payment 1 months $1,560.00 If you would like a location for credit counseling services, call 1-866-51 5-5720. TRANSACTIONS Reference Number Trans Date Post Date Description of Transaction or Credit Amount Fees F5727004Y0000YLAC 06/07 06/07 ANNUAL FEE 07/19 THROUGH 07/19 8.25 06/07 06/07 LATE FEE 35.00 TOTAL FEES FOR THIS PERIOD 43.25 Interest Charged 06/07 06/07 Interest Charge on Purchases 28.46 06/07 06/07 Interest Charge on Cash Advances 0.00 TOTAL INTEREST FOR THIS PERIOD 28.46 2019 Totals Year-to-Date Total fees charged in 2019 $259.50 Total interest charged in 2019 $156.74 YOUR ACCOUNT IS SCHEDULED TO BE CHARGED OFF. THE BALANCE WILL BE DUE IN FULL. CALL (888) 729-6274. Your account is currently closed. INTEREST CHARGE CALCULATION (v) = Variable Rate 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 25.90%(v) $1 ,31 8.61 $28.46 Cash Advances 25.90%(v) $0.00 $0.00 5385 JBH 001 7 7 190607 0 CXPAGE1 of1 20 5727 9620 M165 O1GR5385 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 cnline at www.CreditOneBank.com. CREDIT ONE BANK PO BOX60500 CITY OF INDUSTRY CA91716-0500 l..lll.llll.....l.llI.....I..ll.llllllll.l.l.l.ll.ll....lll.lllll PAY YOUR BILL ONLINE at CreditOneBank.com Account Number: - 2040 New Balance: $1 ,559.97 Minimum Payment Due: $1 ,559.97 Payment Due Date: 07/03/19 AMOUNT ENCLOSED: s IVAN VASQUEZ 3232 MIDDLEFIELD RD APT 7 MENLO PARK CA 94025-1 855 \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO Electrunically FILE Christopher D. Mandarich SB 220693 “35””E‘“mm”mmm- C‘H'“? “”5“" ”'3‘” Ajay Sood 33325294 DH 5/3/2021 Hayk Stambultsyan SB320973 B}, Amber Swearingen-Ojuri SB324653 Deputy beam 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-02540 Plaintiff, COMPLAINT FOR: vs. 1. ACCOUNT STATED LEAH ARATA, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant. DEMAND; $2,536.43 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, COMENITY 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-offcreditor at the time 0fcharge-off is COMENITY BANK, ONE RIGHTER PARKWAY SUITE 100 WILMINGTON, DE 19803, and the account number associated With this debt is XXXXXXXXXXXXXX6563. 5.P1aintiff is informed and believes that Defendant are individuals Who currently reside Exhibit "44" 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 LEAH ARATA, 782 PRAIRIE CREEK DR , PACIFICA, CA 94044. 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 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 card application to the original creditor, COMENITY BANK or made such application over the telephone or Internet. Pursuant to the aforementioned application, COMENITY BANK provided Defendant with a credit account, and granted use privileges on the same, account number XXXXXXXXXXXXXX6563 (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 COMENITY BANK 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 \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 COMENITY BANK 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 March 2, 2019. 15.Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected t0 pay amounts due 0n the Account. 16.The debt balance at charge-off was $2,536.43, 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 $2,536.43. 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, COMENITY 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 $2,536.43 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 COMENITY BANK. Although demand has been made upon Defendant, said amount 0f $2,536.43 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 $2,536.43, 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: 04/29/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-S 0f 5 QML/ ]Christopher D. Mandarich, Esq. Attorneysfor Plaintifl” EXHIBIT A An entire month of insider access, exclusive offers and perks ior Angel Cardholders only... keep an eye on your inbox for details! PAGEl OF 4 Summary of account activity Payment information Account no. --6563 New balance $938.15 Minimum payment due $45.00 Previous balance $1 ,024.67 Payment due date 06/17/2018 Payments -100.00 _ Other credits -8.77 Late payment Wam'ng: I I Purchases 0.00 If we do not receive your minimum payment by 06/17/2018 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 minimum IntereSt Charged 22'25 payment for each period, you wi|| pay more in interest and it wi|| take New balance $938.1 5 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 ”m“ $490000 charges using this card the balance shown end up paying an Available credit $3,961 _85 and each month you pay: on the statement estimated total in about: of: $1481 Statement closing date 05/22/2018 Days in billing cycle 31 Only the minimum payment 4 years For information regarding credit counseling services, call -. Account Questions? Need to make a payment? Want to know how to go paperless? Visit VSAnge/Card.com 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. Angel Rewards Summary Earn Rewards! Each time you earn 250 points using your Angel Card, you will automatically receive an Angel Reward* within 3 - 6 weeks. +Points Summary Current Total Points: 11 Points to Next Reward: 239 Points to Maintain: 875 May is for Angels! An entire month of insider access, exclusive offers and perks for Angel Cardholders only...keep an eye on your inbox for details! Details of your transactions TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT 04/25/2018 VICTORIA'S SECRET RETURN - VICTORIASSECRETCOM - S & H REFUND -8.77 05/1 1/201 8 PAYMENT-THANK YOU -1 00.00 Fees Total fees charged for this period $0.00 Interest charged Interest charge on purchases $22.25 Total interest for this period $22.25 201 8 totals year to date Total fees charged in 2018 $72.00 Total interest charged in 2018 $102.72 NOTICE: See reverse side for important information. Please tear at perforation above Account number --6563 . New balance Minimum a mentVICTORIAS SECRET p y $938.1 5 $45.00 99 3 Payment must reach us byYes, | have moved or updated my 6 pm ET on 06,1 7/2018e-mail address - see reverse. Am°unt °"°'°sed: Please make check payableto: |.|.l”III.I.“IP”.|I|...|.II.ll|.|”I.l.l..I|..IIII.|.I.II...| COMEN'W'V'CTOR'ASSECRET LEAHARATA 782 PRAIRIE CREEK DR PACIFICA CA 94044-3823 Please return this portion along with your payment to: PO BOX 659728 SAN ANTONIO TX 78265-9728 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 Bank PO Box 182782, Columbus, Ohio 4321872782. 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 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: 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 Bank PO Box 182782, Columbus, Ohio 4321872782. 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 balance using the method(s) described below The two lettersIn parentheses next to the Balance Subject to Interest Rate columnIn the Interest Charge Calculation section on this statement corresponds to the following: (DA) We figure the interest charge on this balance by applying the periodic rate to the “daily balance” for each day in the billing period. To get the “daily balance” we take the beginning balance each day, add any new transactions and fees and subtract any payments or credits (treating any net credit balance as a zero balance). This gives us the daily balance. (MC) We figure the interest charge on this balance by applying the periodic rate to the “average daily balance” for the billing period. To get the “average daily balance” we take the beginning balance each day, add any new transactions and fees and subtract any payments or credits (treating any net credit balance as a zero balance). This gives us the daily balance. Then, we add up all the daily balances for the billing period and divide the total by the number of days in the billing period. This gives us the “average 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 reflectedIn 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 Bank PO Box 182789, Columbus, Ohio 4321872789. 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 3O 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'p'ayment 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. e No payment shall operate as an accord and satisfaction without prior written approval. CUSTOMER SERVICE. Visit vsangelcard.com or call 1-800-695-9478 (TDD/TTY 1-800-695-1788). 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 182273, Columbus, Ohio 43218-2273. Send all bankruptcy notices and related correspondence to Comenity Bank, Bankruptcy Department, PO Box 182125, Columbus, Ohio 43218-2125. 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 payableIn U. S. dollars, to the name and address shown on this StatementIn 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 17800769579478 (TDD/TTY 17800769571788) to make a payment by telephone, which may include a fee. Online: You can make a payment online at vsangelcard.com. In-store: You can make payments inestore. 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 First Name MITItIe (optional) Last Name Soc. Sec. No. Street Address Apt. No. RR PO Box City State Home Phone Email Address Zip Code Foreign Map Code Work Phone DON’T MISS OUT, ANGEL... Sign up for emails at VictoriasSecretcom/angel’card to get the full scoop on exclusive Angels~only offers and evintsl/ v 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 0F BALANCE SUBJ ECT INTEREST BALANCE APR To INTEREST RATE CHARGE Purchases 26.4900% (V) 989.04 (DA) 22.25 Additional important messages *For Victoria's Secret rewards program terms visit www.VictoriasSecret.Com/vsangelrewardterms. +This number may not reflect all current earnings due to calculation delays. All earnings not reflected on this statement will be reflected on your next billing statement. Did you know? You can easily add a family member or friend as an authorized buyer for your Victoria’s Secret Angel Card! It’s just one way to spoil your loved one while reaping the rewards. And, you can Choose between a Victoria’s Secret Angel Card or a PINK Angel Card design. Just access our secure customer service website at vsangelcardcom or call our Customer Care Center at 1-800-695-9478 (TDD/TTY 1-800-695-1 788). Be the first to know! Sign up for emails at VictoriasSecret.com/angel-Card. How can you take Charge against ID Theft? Visit idtheftgov to find out. PAGE 4 OF 4p -S EXHIBIT B g ‘ w ' KEEP YOUR ANGEL FOREVER STATUS! Spend $500 byJan. 31, 2020 to keep your Angel Forever status and all c the perks that come with it, like $15 rewardsl, a half-birthday giftz, anniversary treat? and more. Check your current status below and see important information section for more details.“’ wa PAGE 1 OF 4 Summary of account activity Account no. ****-****-****-6563 New balance $2,536.43 Minimum payment due $865.00 Previous balance $2,440.69 Payment due date 11/17/2019 Payments 0.00 _ Other credits 0.00 Late payment Wam'ng: I I Purchases 0.00 If we do not recere your mInImum payment by 11/17/2019 you may Other debits 0.00 have to pay up to a $39.00 late fee. Fees charged 39.00 Minimum payment warning: If you make only the minimum IntereSt Charged 56'74 payment for each period, you will pay more in interest and it will take New balance $2,536.43 you longer to pay off your balances. For example: PaSt due amount 740'00 If you make no additional You will pay off And you will Credit limit $1 590000 charges using this card the balance shown end up paying an Available credit $000 and each month you pay: on the statement estimated total Statement closing date 10/22/2019 i” abm‘t: °f: Days in billing cycle 31 Only the minimum payment 7 years $4427 For information regarding credit counseling services, call 1-800-284-1706. Angel Card Account Summary KEEP YOUR ANGEL FOREVER STATUS! Spend $500 by Jan. 31, 2020 to keep your Angel Forever status and all the perks that come with it!/W\ Details of your transactions TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT _ Fees 10/17/2019 LATE FEE 39.00 Total fees charged for this period $39.00 Interest charged Interest charge on purchases $56.74 Total interest for this period $56.74 201 9 totals year to date Total fees charged in 2019 $304.00 Total interest charged in 2019 $481 .91 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. TYPE 0F BALANCE SUBJ ECT INTEREST BALANCE APR To INTEREST RATE CHARGE Purchases 26.9900% (V) 2,475.52 (DA) 56.74 NOTICE: See reverse side for important information. Please tear at perforation above Account number ****_~k~k~k~k_~k~k~k~k_6563 VICTORIKS SECRET New balance Minimum payment $2,536.43 $865.00 99 4 Payment must reach us byYes’ I have moved or Updated my Amount enclosed: 6 pm ET on 11/1 7/2019.e-mail address - see reverse. Please make Check payableto: COMENITY- VICTORIA'S SECRET '||I'|II|I|I'"III'I'I'I'|||I"I'III'"III||"I"||I""I||'|”I' Please return this portion along with your payment to:LEAH ARATA 782 PRAIRIE CREEK DR PO BOX 659728 PACIFICA CA 94044-3823 SAN ANTONIO TX 78265-9728 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 Bank PO Box 182782, Columbus, Ohio 4321872782. 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 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: 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 Bank PO Box 182782, Columbus, Ohio 4321872782. 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 balance using the method(s) described below The two lettersIn parentheses next to the Balance Subject to Interest Rate columnIn the Interest Charge Calculation section on this statement corresponds to the following: (DA) We figure the interest charge on this balance by applying the periodic rate to the “daily balance” for each day in the billing period. To get the “daily balance” we take the beginning balance each day, add any new transactions and fees and subtract any payments or credits (treating any net credit balance as a zero balance). This gives us the daily balance. (MC) We figure the interest charge on this balance by applying the periodic rate to the “average daily balance” for the billing period. To get the “average daily balance” we take the beginning balance each day, add any new transactions and fees and subtract any payments or credits (treating any net credit balance as a zero balance). This gives us the daily balance. Then, we add up all the daily balances for the billing period and divide the total by the number of days in the billing period. This gives us the “average 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 reflectedIn 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 Bank PO Box 182789, Columbus, Ohio 4321872789. 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 3O 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'p'ayment 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. e No payment shall operate as an accord and satisfaction without prior written approval. CUSTOMER SERVICE. Visit vsangelcard.com or call 1-800-695-9478 (TDD/TTY 1-800-695-1788). 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 182273, Columbus, Ohio 43218-2273. Send all bankruptcy notices and related correspondence to Comenity Bank, Bankruptcy Department, PO Box 182125, Columbus, Ohio 43218-2125. 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 payableIn U. S. dollars, to the name and address shown on this StatementIn 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 17800769579478 (TDD/TTY 17800769571788) to make a payment by telephone, which may include a fee. Online: You can make a payment online at vsangelcard.com. In-store: You can make payments inestore. 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 First Name MITItIe (optional) Last Name Soc. Sec. No. Street Address Apt. No. RR PO Box City State Home Phone Email Address Zip Code Foreign Map Code Work Phone PAGE 3 OF 4 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 sti|| be able to assist you and prevent your account from being written off. Call us at 1-855-617-8089 (TDD/TTY 1-800-695-1788) and we will find a suitable payment before the end of this month. |f 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. 1Subject to credit approval. Offer is exclusive to Angel credit card holders enrolled in the Victoria's Secret rewards program. This rewards program is provided by Victoria's Secret and its terms may change at any time. For fu|| Rewards Terms and Conditions, please see www.VictoriasSecret.com/vsangelrewardterms. ZOffer will be received in the event month. Must make a purchase in the previous 12 months starting 2 month(s) prior to the event. Must have valid email address and U.S. mailing address. Accounts that opened in the event month or the month prior will receive the offer the following year. Account must not be in default. NV‘Spend $250 for VIP status and $500 for Forever status from 2/1/201 9-1/31/2020. Beginning 2/1/2020 must have spent this amount in a rolling 12 months on qualifying purchases made with your Angel credit card, minus returns, to upgrade to VIP or Forever status. To maintain this status, a customer must spend $250 for VIP or $500 for Forever from 2/1 -1/31 beginning the program year after you have upgraded on the Angel credit card or tier |eve| will reset corresponding with spend and any previously accumulated spend will be reset. on the Angel credit card. This rewards program is provided by Victoria's Secret and its terms may change at any time. For fu|| Rewards Terms and Conditions, please see www.VictoriasSecret.com/vsangelrewardterms. Protect yourself against mail and phone consumer fraud. http://about.usps.com/publications/pub281/we|come.htm PAGE 4 OF 4p -S \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO Electrunically FILE Christopher D. Mandarich SB 220693 “35””9“ Em“ ”fmrmm' CW“? ”m" “3”” Ajay Sood SB325294 DH 5/3/2021 Hayk Stambultsyan SB320973 B}, Eiihnfih! gal”:Amber Swearingen-Ojuri SB324653 Deputy 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-02541 Plaintiff, COMPLAINT FOR: vs. 1. ACCOUNT STATED NANCY E PINEDA, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant. DEMAND; $1,560.88 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, COMENITY 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-offcreditor at the time 0fcharge-off is COMENITY BANK, ONE RIGHTER PARKWAY SUITE 100 WILMINGTON, DE 19803, and the account number associated With this debt is XXXXXXXXXXXXXX9891. 5.P1aintiff is informed and believes that Defendant are individuals Who currently reside Exhibit "45" 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 NANCY E PINEDA, 956 DAISY ST , SAN MATEO, CA 94401. 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 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 card application to the original creditor, COMENITY BANK or made such application over the telephone or Internet. Pursuant to the aforementioned application, COMENITY BANK provided Defendant with a credit account, and granted use privileges on the same, account number XXXXXXXXXXXXXX9891 (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 COMENITY BANK 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 \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 COMENITY BANK 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 August 16, 2019. 15.Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected t0 pay amounts due 0n the Account. 16.The debt balance at charge-off was $1,560.88, 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 $1,560.88. 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, COMENITY 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 $1,560.88 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 COMENITY BANK. Although demand has been made upon Defendant, said amount 0f $1,560.88 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 $1,560.88, 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: 04/29/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-S 0f 5 QML/ ]Christopher D. Mandarich, Esq. Attorneysfor Plaintifl” EXHIBIT A HAPPY BlRg DAY 74W . We’ve sent a little something your way just for being an Angel Credit Cardholder. Your gift should arrive soon. See important information sec‘fTon for details and eligibility.“ 3 PAGE 1 OF 4 Summary of account activity Payment information Account no. ****-****-****-9891 New balance $1 ,054.44 Minimum payment due $50.00 Previous balance $1 ,022.92 Payment due date 08/17/2019 Payments -50.00 _ Other credits 0.00 Late payment Wam'ng: I I Purchases 0.00 If we do not receive your minimum payment by 08/17/2019 you may Other debits 0.00 have to pay up to a $39.00 late fee. Fees Charged 57'57 Minimum payment warning: If you make only the minimum IntereSt Charged 23'95 payment for each period, you will pay more in interest and it will take New balance $1 ,054.44 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 ”m“ $1 500000 charges using this card the balance shown end up paying an Available credit $000 and each month you pay: on the statement estimated total Statement closing date 07/22/2019 i” abm‘t: °f: Days in billing cycle 31 Only the minimum payment 4 years $1636 For information regarding credit counseling services, call -. Account Questions? Need to make a payment? Want to know how to go paperless? Visit VSAnge/Card.com 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. Angel Card Account Summary ANGELS ARE FIRST! Get exclusive offers, event invites and early access to major sales throughout the year. Sign up for emails at VictoriasSecret.com/email so you don’t miss out. Earn Rewards! Each time you earn +Account Summary 250 points using your Angel Card, Current Total Points: 226 you will automatically receive an Points to Next Reward: 24 Angel Reward* within 3 - 6 weeks. Dollars 10 Next Upgradei$500 Dollars to Maintain:$ 250 Details of your transactions TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT 07/1 9/201 9 PAYMENT-THANK YOU -50.00 Fees 07/17/2019 LATE FEE 37.00 07/22/2019 ACCOUNT ASSURE - 20.57 Total fees charged for this period $57.57 Interest charged Interest charge on purchases $23.95 Total interest for this period $23.95 201 9 totals year to date Total fees charged in 2019 $296.46 Total interest charged in 2019 $169.72 NOTICE: See reverse side for important information. Please tear at perforation above Account number ****_****_****_9891 VICTORIA'S SECRET New balance Minimum payment $1 ,054.44 $5000 99 3 Payment must reach us byYes, | have moved or updated my 6 pm ET on 08,1 7/2019e-mail address - see reverse. Am°unt °"°'°sed: Please make check payable to: COMENITY- VICTORIA'S SECRET IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII NANCY E PINEDA 433 S MARY AVE APT 25 SUNNYVALE CA 94086-7505 Please return this portion along with your payment to: PO BOX 659728 SAN ANTONIO TX 78265-9728 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 Bank PO Box 182782, Columbus, Ohio 4321872782. 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 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: 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 Bank PO Box 182782, Columbus, Ohio 4321872782. 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 balance using the method(s) described below The two lettersIn parentheses next to the Balance Subject to Interest Rate columnIn the Interest Charge Calculation section on this statement corresponds to the following: (DA) We figure the interest charge on this balance by applying the periodic rate to the “daily balance” for each day in the billing period. To get the “daily balance” we take the beginning balance each day, add any new transactions and fees and subtract any payments or credits (treating any net credit balance as a zero balance). This gives us the daily balance. (MC) We figure the interest charge on this balance by applying the periodic rate to the “average daily balance” for the billing period. To get the “average daily balance” we take the beginning balance each day, add any new transactions and fees and subtract any payments or credits (treating any net credit balance as a zero balance). This gives us the daily balance. Then, we add up all the daily balances for the billing period and divide the total by the number of days in the billing period. This gives us the “average 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 reflectedIn 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 Bank PO Box 182789, Columbus, Ohio 4321872789. 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 3O 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'p'ayment 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. e No payment shall operate as an accord and satisfaction without prior written approval. CUSTOMER SERVICE. Visit vsangelcard.com 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 182273, Columbus, Ohio 43218-2273. Send all bankruptcy notices and related correspondence to Comenity Bank, Bankruptcy Department, PO Box 182125, Columbus, Ohio 43218-2125. 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 payableIn U. S. dollars, to the name and address shown on this StatementIn 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 -) to make a payment by telephone, which may include a fee. Online: You can make a payment online at vsangelcard.com. In-store: You can make payments inestore. 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 First Name MITItIe (optional) Last Name Soc. Sec. No. Street Address Apt. No. RR PO Box City State Home Phone Email Address Zip Code Foreign Map Code Work Phone DON’T MISS OUT, r Sign up for emails at VSAngelCard.com to take full advantagw of all your benefits and stay up to date on exclusive Angels-only offers and events. 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. Minimum interest charge may exceed interest charge below, per your credit card agreement. TYPE 0F BALANCE SUBJ ECT INTEREST BALANCE APR To INTEREST RATE CHARGE Purchases 27.2400% (V) 1,035.17 (DA) 23.95 Additional important messages *For Victoria's Secret rewards program terms visit www.VictoriasSecret.com/vsangelrewardterms. ++ Must have made a purchase within the last 12 months and be in good standing to be eligible for benefits. Eligibility is determined two months prior to your birthday month. Accounts opened in your birthday month or in the previous month will receive the first birthday offer the following calendar year if eligible. US residents only. Offer can only be combined with Angel Rewards. You must use your Angel Credit Card to pay for any remaining balance when redeeming your birthday gift. PERK ALERT: Shop to it, Angel - you can now use your Angel Credit Card at Bath & Body Works in-store and onlinelM MSubject to credit approval. Angel Card purchases made at Bath & Body Works do not qualify for credit cardholder benefits including rewards, upgrades, Free Shipping or any other Victoria's Secret and PINK offers and coupons unless specifically mentioned. Did you know? You can easily add a family member or friend as an authorized buyer for your Victoria’s Secret Angel Card! It’s just one way to spoil your loved one while reaping the rewards. And, you can choose between a Victoria’s Secret Angel Card or a PINK Angel Card design. Just access our secure customer service website at vsangelcardcom or call our Customer Care Center at - (TDD/TTY -). Be the first to know! Sign up for emails at VictoriasSecret.com/angel-card. GO PAPEBLESS and manage your account online! With paperless billing, you receive an email reminder prior to your payment due date. Get started today by visiting VSAngelCard.com STEP 1: Sign in or register your account. STEP 2: Select Go Paperless and sign up. Find out how to shop safely online at onguardonlinegov Paying on your account is as easy as 1-2-3! Mail payment t0: Comenity Bank PO BOX 659728, SAN ANTONIO, TX 78265-9728 Call to schedule a same-day payment* - (TDD/TTY: -). To register or sign-in to your Account Center visit: VSAngelCard.com *An expedited payment fee up to $9 may apply for samerday payments made with a representative. PAGE 4 OF 4p -S EXHIBIT B PAGE1 OF 6 Summary of account activity Payment information Account no. ****-****-****-9891 New balance $1 560.88 Minimum payment due $505.00 Previous balance $1 ,486.89 Payment due date 04/17/2020 Payments 0.00 _ Other credits 0.00 Late payment Wam'ng: I I Purchases 0.00 If we do not receive your minimum payment by 04/17/2020 you may Other debits 0.00 have to pay up to a $40.00 late fee. Fees Charged 40'00 Minimum payment warning: If you make only the minimum IntereSt Charged 33'99 payment for each period, you will pay more in interest and it will take New balance $1 ,560.88 you longer to pay off your balances. For example: PaSt due amount 430'00 If you make no additional You will pay off And you will Credit ”m“ $1 500000 charges using this card the balance shown end up paying an Available credit $000 and each month you pay: on the statement estimated total Statement closing date 03/22/2020 i” abm‘t: °f: Days in billing cycle 31 Only the minimum payment 5 years $2556 For information regarding credit counseling services, call 1-800-284-1706. Details of your transactions TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT _ Fees 03/17/2020 LATE FEE 40.00 Total fees charged for this period $40.00 Interest charged Interest charge on purchases $33.99 Total interest for this period $33.99 2020 totals year to date Total fees charged in 2020 $1 19.00 Total interest charged in 2020 $95.03 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. TYPE 0F BALANCE SUBJ ECT INTEREST BALANCE APR To INTEREST RATE CHARGE Purchases 26.4900% (V) 1,510.95 (DA) 33.99 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 1-855-617-8089 (TDD/TTY 1-800-695-1788) 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. A MESSAGE ABOUT COVID-19 FROM Comenity Bank (CONTINUED) NOTICE: See reverse side for important information. Please tear at perforation above Account number ****_~k~k~k~k_~k~k~k~k_9891 VICTORIKS SECRET New balance Minimum payment $1 ,560.88 $505.00 99 4 CIT Payment must reach us byYes’ I have moved or Updated my Amount enclosed: 6 pm ET on 04/1 7/2020.e-mail address - see reverse. Please make check payable to: COMENITY - VICTORIA'S SECRET IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIllIIIIIIIIIIIIIIIIIIIIIIIIIII Please return this portion along with your payment to:NANCY E PINEDA 955 DAISY ST PO BOX 659728 SAN MATEO CA 94401-3410 SAN ANTONIO TX 78265-9728 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 Bank PO Box 182782, Columbus, Ohio 4321872782. 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 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: 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 Bank PO Box 182782, Columbus, Ohio 4321872782. 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 balance using the method(s) described below The two lettersIn parentheses next to the Balance Subject to Interest Rate columnIn the Interest Charge Calculation section on this statement corresponds to the following: (DA) We figure the interest charge on this balance by applying the periodic rate to the “daily balance” for each day in the billing period. To get the “daily balance” we take the beginning balance each day, add any new transactions and fees and subtract any payments or credits (treating any net credit balance as a zero balance). This gives us the daily balance. (MC) We figure the interest charge on this balance by applying the periodic rate to the “average daily balance” for the billing period. To get the “average daily balance” we take the beginning balance each day, add any new transactions and fees and subtract any payments or credits (treating any net credit balance as a zero balance). This gives us the daily balance. Then, we add up all the daily balances for the billing period and divide the total by the number of days in the billing period. This gives us the “average 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 reflectedIn 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 Bank PO Box 182789, Columbus, Ohio 4321872789. 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 3O 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'p'ayment in full' or similar language, must be sent to: 6550 North Loop 1604 East, Suite 101, San Antonio, TX 7824775004. DO NOT USE THE ENCLOSED REMITTANCE ENVELOPE. e We may accept payment sent to any other address without losing any of our rights. e No payment shall operate as an accord and satisfaction without prior written approval. CUSTOMER SERVICE. Visit vsangelcard.com or call 1-800-695-9478 (TDD/TTY 1-800-695-1788). 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 182273, Columbus, Ohio 43218-2273. Send all bankruptcy notices and related correspondence to Comenity Bank, Bankruptcy Department, PO Box 182125, Columbus, Ohio 43218-2125. 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 payableIn U. S. dollars, to the name and address shown on this StatementIn 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 17800769579478 (TDD/TTY 17800769571788) to make a payment by telephone, which may include a fee. Online: You can make a payment online at vsangelcard.com. In-store: You can make payments inestore. 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 First Name MITItIe (optional) Last Name Soc. Sec. No. Street Address Apt. No. RR PO Box City State Home Phone Email Address Zip Code Foreign Map Code Work Phone PAGE 3 OF 6 Additional important messages continued As the bank that manages your credit card, we want to assure you that Comenity Bank takes your well-being very seriously. We understand the uncertainty you may be experiencing at this time, and we’re committed to being responsive to your needs. We encourage you to manage your VICTORIA'S SECRET account online using Account Center. With 24/7 access, Account Center is a safe, secure, and convenient way to make payments, send and receive secure messages, and view your balance, transactions, and statements. To sign up, please follow these steps: 1 . Visit VSAngelCard.com 2. Choose Register for Online Access at the bottom of the Sign In screen. 3. Follow the prompts to enter your credit card account number and verify your identity. We’re here to serve you. If you need our support with your account, send us a message through the Secure Message Center on Account Center or call the number on the back of your VICTORIA'S SECRET card or billing statement so we can talk about your situation. Please take care and stay safe. Consumers are entitled to one free credit report per year. To request yours call 1-877-322-8228 or visit annualcreditreportcom PAGE 4 OF 6'5 PAGE 5 OF 6 IMPORTANT NOTICE ABOUT CHANGES TO YOUR CREDIT CARD ACCOUNT Please read this important notice about changes to your credit card account (“Account”). This notice amends the Credit Card Agreement (“Agreement”) for your Accou nt. Keep a copy for your records. Important Changes to Your Account Terms The following is a summary of changes being made to your Account terms. These changes will take effect on 05/25/2020. For more information, see below. Minimum Payment: We are changing the way we calculate your minimum payment. Generally, your Total Minimum Payment each billing period will be the total of minimum payments for Regular Revolving and promotional Credit Plans plus any past due amount. The Total Minimum Payment on your Account won’t be less than $38 unless your Account balance is less than $38, in which case you must pay that balance in full. OTHER IMPORTANT INFORMATION Exceptions to Effectiveness of Changes: If your Account is currently subject to special terms because you are enrolled in a Servicemembers Civil Relief Act (SCRA), Credit Counseling Services, Hardship, or othersimilar program offered or recognized by us, changes described in this notice that are inconsistent with the special terms will not apply to your Account until you are no longer enrolled in such program. Questions? If you have questions about this notice, or about your Account, please call us at the Customer Service number shown on page 2 of the accompanying billing statement. CITXXXSH052520200NS-1 02 KOOONQUILWNu-t NNNNNNNNNHHh-b-Hb-b-h-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO El-a-ch'nlrufllljr Christopher D. Mandarich SB 220693 Ajay Sood SB325294 b'a Eui: HI {HI :Hll-fu u.£n-..rrr H5; 1 Mum. Hayk Stambultsyan SB320973 fl-H 5/24/2021 Amber Swearingen-Ojuri SB324653 3:. l Alejandro Blake SB336756 mp“, glut MANDARICH LAW GROUP, LLP P.O. BOX 109032 Chicago, IL 60610 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintifi’: VELOCITYINVESTMENTS, LLC SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED VELOCITY INVESTMENTS, LLC, Case No. 21 -CLJ-02904 Plaintiff, FILE BY FAX COMPLAINT FOR: VS. 1. BREACH OF CONTRACT ITZEL OLLER-BRUNO, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant. DEMAND; $14,781.93 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1. Plaintiff is and at all times herein mentioned, VELOCITY INVESTMENTS, LLC, and successor in interest t0 original creditor, WebBank. 2. Plaintiff is the only entity that purchased the debt after charge-off and its name and address is as follows: VELOCITY INVESTMENTS, LLC; 1800 Route 34N Suite 404A , Wall NJ O77 1 9. 3. Plaintiff is a debt buyer, and is the sole owner 0f the debt at issue. 4. The charge-off creditor at the time of charge-off is Garrison Trust, 101 SECOND STREET 15TH FLOOR, SAN FRANCISCO, CA 94105, and the account number associated With this debt is XX9508. 5. Plaintiff is informed and believes that Defendant are individuals Who currently reside within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the Exhibit "46" COMPLAINT-l 0f 5 KOOONONUILWNr-t NNNNNNNNNHh-h-b-Hb-h-th-HH OOVQKJIJ>UJN~OKOOOQONM$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 ITZEL OLLER-BRUNO , 1145 ALAMEDA DE LAS PUL GAS APT 8 , BELMONT, CA 94002. 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, 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 on the same, account number XX9508 (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 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 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 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 to the terms governing the Account. 13. The date of last payment 0n the subj ect account was on March 5, 2018. 14. Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected t0 pay amounts due 0n the Account. 15. The debt balance at charge-off was 3614,88 1 .93, 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 $14,781.93. 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 0f 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 on 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) 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. WebBank 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 $ 14,78 1 .93. 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 WebBank. Although demand has been made upon Defendant, said amount of $ 14,78 1 .93 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 $14,781.93, 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: 05/17/2021 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 Borrower Promissory Note PRO‘PER Promissory Note Loan ID: .9508 Borrower Address: ITZEL OLLER-BRUNO, 1145 ALAMEDA DE LAS PULGAS APT 8 BELMONT, CA 94002. 1. Promise to Pay. In return for a loan | have received, | promise to pay WebBank, a Utah-chartered Industrial Bank ("you") the principal sum of twenty two thousand dollars ($22,000.00), together with interest thereon commencing on the date of funding at the rate of fifteen and thirty five hundredths percent (15.35%) per annum simple interest. | understand that references in this Promissory Note (“Note") to you shall also include any person to whom you transfer this Note. 2. Payments. This Note is payable in 60 monthly installments of $527.43 each, consisting of principal and interest, commencing on the 26th day of April 2014, and continuing until the final payment date of March 26 2019, which is the maturity date of this Note. The final payment shall consist of the then remaining principal, unpaid accrued interest and other charges due under this Note. A|| payments will be applied first to any unpaid fees incurred as a result of failed automated payments or returned bank drafts or checks, as provided in Paragraph 11; then to any charges for making payments other than as provided in this Note; then to any late charges then due; then to any interest then due; and then to principal. No unpaid interest or charges will be added to principal. 3. Interest. Interestwill 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. If payments are made on time, my final payment will be in the amount of a regular monthly payment. Because of the daily accrual of interest and the effect of rounding, my final payment may be more or less than my regular payment. | acknowledge that, if I make my payments after the scheduled due date, this Note wi|| not amortize as originally scheduled, which may result in a substantially higher final payment amount. The interest rate | will pay will be the rate | will pay both before and after any default. 4. Late Charge. If the full amount of any monthly payment is not made by the end of fifteen (15) calendar days after its due date, | wi|| pay you a late charge of the greater of 5.00% of the unpaid installment amount, or $15. | wi|| pay this late charge promptly but only once on each late payment. 5. Waiver of Defenses. 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 | have a dispute with any person from whom I have purchased such property or services, | agree to settle the dispute directly with that person. 6. Certification; Exception to Waiver. | 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 defined in Bureau of Consumer Financial Protection Regulation Z, 12 C.F.R. § 1026.46 (b)(3). lfurther certify that, to my knowledge, the proceeds of my loan wi|| not be applied in whole or part to purchase property or services from any person to whom any interest in this Note may be assigned. If, notwithstanding the preceding sentence, any person from whom | have purchased such property acquires any interest in this Note, then Paragraph 5 wi|| not apply to the extent of that person's interest, even if that person later assigns that person's interest to another person. 7. Method of Payment. | wi|| pay the principal, interest, and any late charges or other fees on this Note when due. Those amounts are called "payments" in this Note. To ensure that my payments are processed in a timely and efficient manner, you have given me the choice of making my monthly payments (i) by automated withdrawal from an account that | designate using an automated clearinghouse (ACH) or other electronic fund transfer, or (ii) by bank drafts drawn by you on my behalf on my account each month; and | have chosen one of these methods. If | 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 draw bank drafts on the account, | will notify you at least three (3) days prior to any such closure, change or inaccessibility of my account, and authorize you to withdraw my payments from, or draw bank drafts on, another account that | designate. 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 I fail to make any payment when due in the manner required by Paragraph 7, | will be in default and you may at your option accelerate the maturity of this Note and declare all principal, interest and other charges due under this Note immediately due and payable. If you exercise the remedy of acceleration you will give me at least thirty (30) days prior notice of acceleration. 9. Prepayments. | may prepay this Note in full or in part at any time without penalty. 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 will 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, bank draft or other item, unless prohibited by applicable law. 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 wi|| 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 do not have to give me your 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 sugport@prosper.com or c/o Prosper Marketplace, |nc., 101 Second Street, 15th 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 a written 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 0F 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 THAT I HAVE THE RIGHT TO REJECT THIS PROVISION, AS PROVIDED IN PARAGRAPH (i) BELOW. (a) In this Resolution of Disputes provision: (i) "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 (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 ofthe 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 18. (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, (800) 778-7879, 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., 101 Second Street, 15th 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 enterjudgment 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., 101 Second Street, 15th Floor, 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. 19. Electronic Transactions. THIS NOTE INCLUDES YOUR EXPRESS CONSENT TO ELECTRONIC TRANSACTIONS AND DISCLOSURES, WHICH CONSENT IS SET FORTH IN THE SECTION ENTITLED "CONSENT TO DO BUSINESS ELECTRONICALLY" AS DISCLOSED IN OUR TERMS OF USE ON OUR WEBSITE, 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. You have granted to Prosper Funding LLC and Prosper Marketplace, Inc. powers of attorney to appoint themselves or a third party as your authorized agent (in such capacity, the "Note Registrar“) to maintain a book-entry system for recording the beneficial owners of interests in this Note (the "Note Owners“). If a Note Registrar is so appointed, the Note Registrar shall maintain such a book- entry system, any transfer by a Note Owner of its beneficial interest in this Note shall be effective only through the book-entry system maintained by the Note Registrar. Any such appointment will be made and any appointed Note Registrar may assign its duties as Note Registrar in relation to this Note to any person acquiring 100% beneficial interest in this Note without prior notice to you and without your prior consent. 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. Date: March 26 2014 By: Prosper Marketplace, Inc. Attorney-in-Fact for ITZEL OLLER-BRUNO [Borrower] (Signed Electronically) Last Updated: September 25, 2013 Copyright © 2005-2017 Prosper Marketplace, Inc. A|| rights reserved. Borrower Registration Agreement PRO PER This Borrower Registration Agreement (this "Agreement") is made and entered into between you and Prosper Funding LLC ("Prosper"). The Prosper marketplace is a person-to-person online credit platform (the "platform") operated by Prosper. A|| loans originated through the platform are made byWebBank, a Utah-chartered industrial bank ("WebBank"). A separate legal entity, Prosper Marketplace, Inc. ("PMI"), provides services to WebBank in connection with the origination of such loans. Prosper services all loans made through the platform, but has engaged certain third parties (including PMI) to act as agents of Prosper in the performance of such servicing. The following Agreement describes those services as well as your rights and obligations should you elect to register as a borrower on the platform. Except for Section 22, when used in this Agreement "we" or "us" refers to Prosper, WebBank and their respective agents (including without limitation PMI in its capacity as agent of Prosper or WebBank). 1. Registration as a Prosper Borrower. You are registering with Prosper as a borrower so that you can make loan requests or "listings" through the platform. In entering into this Agreement, you are agreeing to comply with the Terms of Use for the platform as well as any other rules or policies set forth on Prosper's website (www.prosper.com), any of which may be amended from time to time by Prosper in its sole discretion (collectively, as amended, the "Prosper Terms and Conditions"). The Prosper Terms and Conditions are accessible via a link marked "Policies" at the bottom of each page of Prosper‘s website. We reserve the right to restrict access to the platform to individuals who meet minimum credit guidelines and other criteria, as determined by us in our sole discretion. 2. Authorization to Obtain Credit Report. By registering on the platform as a borrower, you authorize us or our agents (including PMI), to obtain a credit report from one or more consumer credit reporting agencies. We may use the credit report for any purpose that would be authorized by applicable law in connection with a credit transaction involving you and involving the extension of credit to you or review or collection of your account, including but not limited to (i) for authentication purposes, to make sure you are who you say you are, (ii) to make credit decisions; (iii) to administer the sale of any Borrower Payment Dependent Notes ("Notes") associated with your loan or the sale of your loan in its entirety; (iv) to determine how much debt you currently have, in order to determine your debt-to-income ratio, (v) to obtain your credit score and assign you a Prosper Rating based in part on that score, (vi) to obtain and display information and characteristics from your credit report from one or more consumer credit reporting agencies, and (vii) to obtain and display on the Folio Investing Note Trader platform certain information and characteristics from your credit report from one or more consumer credit reporting agencies at any time or times that a Note corresponding to your loan is offered for sale by lenders holding such Notes. Information from your credit report will be displayed on the Prosper website with your listing. You authorize us to verify information in your credit report and your listing, and you agree that Prosper, WebBank or PMI (in its capacity as agent of Prosper or WebBank) may contact third parties without further notice to you to verify any such information. We may obtain your credit report each time you create a listing and at any other time that we deem it necessary in our sole discretion. 3. Listings. The platform connects individuals who wish to obtain loans with persons who wish to help fund them. To receive a loan, a borrower member must submit a loan listing through the platform. The listing is a request by the borrower member for a loan in the amount and at the interest rate specied in the listing. In order to submit a listing through the platform, you must have a good faith intent to obtain and repay your loan, and your listing must be consistent with that intent. In order for your listing to become a loan, you must receive aggregate funding commitments from Prosper lender members that equal or exceed the minimum funding amount applicable to your listing. When you submit your listing, it will automatically be allocated to one of three lender funding channels, based upon a random allocation methodology determined by Prosper: (i) the rst channel allows lender members to commit to purchase Notes from Prosper, the payments of which are dependent on the payments you make on your loan (the "Note Channel"); (ii) the second channel allows lender members to commit to purchase 100% of your loan directly from Prosper ("Loan Channel A"); and (iii) the third channel reserves your loan for sale to a lender member who has already committed to purchase loans like yours from Prosper ("Loan Channel B"). Prosper may add or remove lender member funding channels at any time in its sole discretion. If your listing receives sufcient commitments to fund, WebBank will originate a loan to you in an amount equal to the total amount of those commitments. If your listing is allocated to Loan Channel B, it will automatically be considered to have received a commitment equal to the amount of the loan requested. If your listing is allocated to the Note Channel, lender members who purchase Notes tied to your loan may resell those Notes to other lender members on our secondary trading platform (the "Note Trader platform“). Information Included in Listings. To submit a listing, you must provide the amount of the loan you are requesting as well as your annual income, occupation and employment status. The minimum and maximum loan amounts you may request are posted on the Prosper website and are subject to change by us at any time without notice. We reserve the right to restrict the submission of listings through the platform to individuals who meet minimum credit guidelines and other criteria, as determined by us in our sole discretion. You authorize and agree that we may include in your listing any information from the credit report we obtain pursuant to Section 2 above, including but not limited to the following information: (i) Your Prosper Rating, which is calculated by us but based on information from your credit report; (ii) Your debt-to-income ratio, expressed as a percentage, reecting the ratio between the amount of your monthly non-mortgage debt, as compared to the amount of monthly income that you indicated when completing your listing; (iii) Whether you own a home; (iv) The number of accounts on which you are currently late on a payment; (v) The total past-due amount you owe on all delinquent and charged-off accounts; (vi) The number of 90+ days past due delinquencies on your credit report; (vii) The number of negative public records (e.g., bankruptcies, liens, and judgments) on your credit report over the last 12 months, and over the last 10 years; (viii) The month and year the oldest account on your credit report (e.g., revolving, installment, or mortgage credit) was opened; (ix) The total number of credit lines appearing on your credit report, along with the number that are open and current; (x) The total balance on all of your open revolving credit lines; (xi) Your bankcard utilization ratio, expressed as a percentage, reecting the ratio of the total balance used, to the aggregate credit limit on, all of your open bankcards; and (xii) The number of inquiries made by creditors to your credit report in the last six months. ln addition, you authorize and agree that we may display any of the above information in a listing for a Note corresponding to your loan on the Note Trader platform, and that we may display updated information from your credit report, as well as information about the payment history and status of your loan, in any such listing. Listings displayed on either platform may also include any information we ask you to provide, including, without limitation, your self-reported occupation, employment status and range of income. You authorize us to verify your residence, income, employment and any other information you provide in connection with a listing or your registration as a borrower, and you agree that we may contact third parties to verify information you provide. lf any such information changes after you submit a listing but before the listing expires, you must either (i) promptly notify us of the change, or (ii) if the listing was allocated to the Note Channel or Loan Channel A, withdraw your listing. ln creating your listing, or posting content on your Prosper member web page or anywhere else on Prosper's website, you may not include (i) any personally identiable information, including, without limitation, your name, address, phone number, email address, Social Security number, driver's license number, bank account number or credit card number, (ii) any information that reveals your race, color, religion, national origin, sex, marital status, age, sexual orientation, military status, source of income, or plans for having a family, and (iii) any information that is inconsistent with your obligations to refrain from engaging in any Prohibited Activities (as dened below) (any information of the type described in parts (i), (ii) or (iii) being, "Prohibited Information"). We may take remedial action with respect to any Prohibited Information you post on Prosper's web site, including without limitation canceling any listing containing Prohibited Information or deleting or modifying all or any portion of a listing description or other content that contains Prohibited Information; provided, however, that we are under no obligation to take any such action, and any posting of Prohibited Information by you on Prosper's web site is done solely at your own risk. Listings Allocated to the Note Channel. If you are a member of a Prosper group when your listing is posted to our website, the listing will also identify your group. You do not have to be a member of a group. You may also create a network of Prosper friends, and if one or more of your Prosper friends or your fellow group members commits to help fund your listing, your listing will reect that the commitment was made by a fellow group member or a Prosper friend. Your Prosper friends who commit to help fund your listing may also write a recommendation that will be displayed in your listing. Prosper friends do not guarantee payments on your loan, and commitments to help fund your listing or recommendations of your listing from your Prosper friends do not obligate the individual making the commitment or recommendation to guarantee or make any payments on your loan. Any person who visits the Prosper website will be able to view your listing and see your Prosper Rating as well as certain information about the loan you have requested; provided, however, that information from your credit report will only be viewable by lender members. We may elect in our sole discretion to give you a partial funding option, which means your loan will be funded if it receives commitments totaling less than the full amount of your requested loan but equal to or exceeding 70% of that amount (subject to the loan size minimum). Each loan listing related to a borrower who was offered the partial funding option will indicate the minimum amount required for the loan to fund. The current percentage threshold for partial funding is 70%, but we may change that threshold from time to time. Any such change will only affect listings created after the change is made. Duration of Listings. A listing will expire on the earlier of (a) the rst day in which it has received commitments equal to the full amount of the loan requested or (b) if allocated to the Note Channel, 14 days after being posted, unless the listing is withdrawn by you or cancelled by us prior to either of those events. If a listing is allocated to Loan Channel A and does not receive commitments sufcient to fund within one (1) hour of being posted, it will automatically be reallocated to the Note Channel. WITHDRAWAL OF LISTINGS. YOU HAVE THE RIGHT TO WITHDRAW YOUR LISTING AT ANY TIME PRIOR TO THE EXPIRATION OF THE LISTING PERIOD AS DESCRIBED ABOVE. AFTER THE LISTING PERIOD EXPIRES, YOU WILL NO LONGER HAVE THE RIGHT TO WITHDRAW YOUR LISTING. IF A LOAN IS MADE TO YOU, YOU DO NOT HAVE ANY RIGHT TO RESCIND THE LOAN. If you elect to withdraw your listing, you may (but are not required to) submit a new listing containing the updated information. We reserve the right, in our sole discretion, to limit the number of listings you submit or attempt to submit through the platform. Additional Loans. The guidelines and eligibility requirements for additional loans are posted on the Prosper website and are subject to change by us in our sole discretion at any time without notice. Subject to these requirements, you may have up to two loans outstanding at any one time, provided that the aggregate outstanding principal balance of your loans does not exceed the maximum loan amount then in effect. You may not submit a listing for a second loan unless you meet the eligibility requirements then in effect as of the date of such submission. ProhibitedActivities. You agree that you will not, in connection with any listings, lender commitments, loans or other transactions involving or potentially involving Prosper or WebBank, (i) make any false, misleading or deceptive statements or omissions of material fact; (ii) misrepresent your identity, or describe, present or portray yourself as a person other than yourself; (iii) give to or receive from, or offer or agree to give to or receive from, any Prosper lender or other person any fee, bonus, additional interest, kickback or thing of value of any kind, including in exchange for such person's commitment, recommendation, or offer or agreement to recommend or make a commitment with respect to your listing; and (iv) represent yourself to any person as a director, ofcer or employee of Prosper, PMI or WebBank, unless you are such director, ofcer or employee. 4. Right to Verify Information and Cancel Funding. a. We reserve the right to verify the accuracy of all information provided by borrowers, lenders and group leaders in connection with listings, lender commitments and loans. We also reserve the right to determine in our sole discretion whether a registered user is using, or has used, the Prosper website illegally or in violation of any order, writ, injunction or decree of any court or governmental instrumentality, for purposes of fraud or deception, or othenNise in a manner inconsistent with the Prosper Terms and Conditions or any agreement between Prosper or WebBank and such user. We may conduct our review at any time - before, during or after the submission of a listing, or before or after the funding of a loan. You agree to respond promptly to our requests for information in connection with any such review by us. b. In the event we determine, prior to funding a loan, that a listing, or a lender commitment for the listing, contains materially inaccurate information (including but not limited to unintended inaccuracies, inaccuracies resulting from errors by us, or inaccuracies resulting from changes in the borrower's income, residence or credit prole between the date a listing is submitted and the date the listing is to be funded) or was submitted illegally, in violation of any order, writ, injunction or decree of any court or governmental instrumentality, for purposes of fraud or deception, or othenivise in a manner inconsistent with the Prosper Terms and Conditions or any member agreement, we may refuse to accept the listing or, if the listing has already been accepted, remove the listing from the platform and cancel all lender commitments with respect to the listing. c. When a listing receives commitments equal to or exceeding the minimum amount required for the loan to fund, we may conduct a "pre-funding" review prior to funding the loan. Loan funding occurs when loan proceeds are disbursed to or at the direction of the borrower. We may, at any time and in our sole discretion, delay funding of a loan (i) in order to enable us to verify the accuracy of information provided by borrowers, lenders and group leaders in connection with the listing or lender commitments made with respect to the listing; (ii) to determine whether there are any irregularities with respect to the listing or the lender commitments; or (iii) ifwe become aware of information concerning the borrower member or the listing during our pre-funding review, as a result of which we determine, in our sole discretion, that the likelihood of the borrower not making payments on the loan is materially greater than would be expected based on the assigned Prosper Rating. We may cancel or proceed with funding the loan, depending on the results of our pre-funding review. If funding is cancelled, the listing will be removed from the platform and all lender commitments against the listing will be cancelled. ln the event we cancel funding of a loan, we will notify the borrower, group leader (if any), and all lenders who made commitments with respect to the listing of such cancellation. 5. Matching of Lender Commitments and Listings; Loan Funding. a. If your listing is allocated to the Note Channel, Prosper lender members will be able to view your listing and commit funds to purchase Notes issued by Prosper, the payments on which will be dependent on payments Prosper receives from you on your loan. In other words, the Prosper lenders who committed funds will receive payments on their Notes only to the extent you make payments on your loan. If your listing is allocated to Loan Channel A or Loan Channel B, Prosper lender members will commit funds to purchase from Prosper a promissory note evidencing the loan made by WebBank to you. b. A match of your listing with one or more lender commitments equal to or exceeding the minimum amount required for the loan to fund, will result in a loan from WebBank to you, subject to our right to verify information as described above. The loan will be evidenced by a Promissory Note in the form set forth on the attached Exhibit A. Depending on the loan product you receive, loan proceeds are disbursed into your designated deposit account or they are paid directly to a merchant in satisfaction of your purchase of goods and/or services from that merchant. The loan will be sold byWebBank to Prosper, and Prosper or its agents will service the loan. If your listing was allocated to Loan Channel A or Loan Channel B, Prosper will sell the loan to one of its lender members, but Prosper will continue to service the loan. c. We do not warrant or guaranty that your listing will be matched with any lender commitments. Your listing must receive one or more lender commitments equal to or exceeding the minimum amount required for the loan to fund in order for a loan to be made. d. To safeguard your privacy rights, your name and address will not be included in your listing. Only your Prosper screen name will appear on your listing, and only the screen name of the lenders will appear with lender commitments. 6. Compensation. lf you receive a loan, you must payWebBank a non-refundable origination fee. The amount of the estimated origination fee is stated in the disclosures provided to you at the time you apply. This amount will decline if you've been offered a partial funding option and your loan is not 100% funded. Notwithstanding the foregoing, no amount of the nally determined fee is refundable. The nally determined fee will be stated in your Truth in Lending disclosure. This fee will be deducted from your loan proceeds, so the loan proceeds delivered to you or at your direction will be less than the full amount of your issued loan. You acknowledge that the origination fee will be considered part of the principal on your loan and is subject to the accrual of interest. 7. Making Your Loan Payments. At the time you register as a borrower, you must provide your deposit account information to facilitate transfers of funds to and from your deposit account. You agree to make your loan payments by automated withdrawals from your designated account, or by the use of bank drafts drawn on your designated account. At the time you create your listing, you will be asked to choose the method of making your loan payments, and your loan payments will be made by the payment method you choose. Prosper or its agents will act as the servicer for all loans you obtain through the platform, and all communications regarding your loan must be made to Prosper or its agents. 8. Group Membership. Groups on Prosper may be rated according to the collective payment performance of the group's members. Therefore, if you are a member of a group, your failure to make loan payments when due, or the failure of another group member to make loan payments when due, may have a negative effect on your group's rating. 9. Collection & Reporting of Delinquent Loans. ln the event you do not make your loan payments on time, WebBank or any subsequent owner of the loan will have all remedies authorized or permitted by the Promissory Note and applicable law. ln addition, if you fail to make timely payments on your loan, your loan may be referred to a collection agency for collection. Prosper or its agents may report loan payment delinquencies in excess of thirty (30) days to one or more credit reporting agencies in accordance with applicable law. Subject to limitations of applicable law, you authorize and agree that Prosper, its agents or a collection agency may contact you at any or all of the telephone numbers you provide to us at or after registration, or any of your other telephone numbers. 10. No Guarantee. NEITHER PROSPER NORWEBBANK WARRANTS OR GUARANTEES (1) THAT YOUR LISTING WILL BE MATCHED WITH ANY LENDER COMMITMENTS, OR (2) THAT YOU WILL RECEIVE A LOAN AS A RESULT OF SUBMI'I'I'ING A LISTING. 11. Restrictions on Use. You are not authorized or permitted to use the Prosper website to obtain, or attempt to obtain, a loan for someone other than yourself. You are not authorized or permitted to use the Prosper website to obtain, or attempt to obtain, a loan for the purpose of (i) buying, carrying or trading in securities or for the purpose of buying or carrying any part of an investment contract security, or (ii) paying for 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), and you warrant, represent and agree that you will not use the proceeds of any loan for such purposes. You must be an owner of the deposit account you designate for electronic transfers of funds, with authority to direct that loan payments be made from the account. Your designated account will be the account from which loan payments will be made. Although you are registering as a borrower, you may also register and participate on the platform as a lender or as a group leader. lf you participate on the platform as a lender, any amounts in your Prosper funding account are subject to set-off against any delinquent amounts owing on any loans you obtain as a Prosper borrower. You will not receive further notice in advance of our exercising our right to set-off amounts in your Prosper funding account against any delinquent amounts owing on any loans you obtain. lf you obtain a loan and fail to pay your loan in full, whether due to default, bankruptcy or other reasons, you will not be eligible to submit any further listings or re- register with Prosper as a borrower, lender or group leader. We may in our sole discretion, with or without cause and with or without notice, restrict your access to the Prosper website or platform. 12. Authority. You warrant and represent that you have the legal competence and capacity to execute and perform this Agreement. 13. Termination of Registration. Prosper may, in its sole discretion, with or without cause, terminate this Agreement at any time by giving you notice as provided below. ln addition, upon our determination that you committed fraud or made a material misrepresentation in connection with a listing, lender commitment or loan, performed any prohibited activity, or othenNise failed to abide by the terms of this Agreement or the Prosper Terms and Conditions, we may, in our sole discretion, immediately and without notice, take one or more of the following actions: (i) terminate or suspend your right to submit listings or othenNise participate on the platform; or (ii) terminate this Agreement and your registration with Prosper. Upon termination of this Agreement and your registration with Prosper, any listings you have submitted through the platform shall be cancelled, and will be removed from the platform immediately. Any loans you obtain prior to the effective date of termination resulting from listings you had placed on the platform shall remain in full force and effect in accordance with their terms. 14. Prosper's Right to Modify Terms. Prosper has the right to change any term or provision of this Agreement or the Prosper Terms and Conditions. Prosper will give you notice of material changes to this Agreement, or the Prosper Terms and Conditions, in the manner set forth in Section 16. You authorize us to correct obvious clerical errors appearing in information you provide to us, without notice to you, although we expressly undertake no obligation to identify or correct such errors. This Agreement, along with the Prosper Terms and Conditions, represents the entire agreement between you and Prosper regarding your participation as a borrower on the platform, and supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between you and Prosper with respect to your involvement as a borrower on the platform. 15. MemberWeb Page Display and Content. You may, but are not required to, maintain a "Prosper member web page" on the Prosper website, where you can post content, logos or links to websites. lf you elect to do so, you authorize us to display on the Prosper website all such material you provide. Any material you display on your member page must conform to the Prosper Terms and Conditions, and material you display or link to must not (i) infringe on Prosper‘s or any third party's copyright, patent, trademark, trade secret or other proprietary rights or right of publicity or privacy; (ii) violate any applicable law, statute, ordinance or regulation; (iii) be defamatory or libelous; (iv) be lewd, hateful, violent, pornographic or obscene; (v) violate any laws regarding unfair competition, anti-discrimination or false advertising; (vi) promote violence or contain hate speech; or (vii) contain viruses, trojan horses, worms, time bombs, cancelbots or other similar harmful or deleterious programming routines. You may not include or display any personally identifying information of any Prosper member on your Prosper member web page or elsewhere on the Prosper website, including, without limitation, any Prosper member‘s name, address, phone number, email address, Social Security number, driver‘s license number, bank account number or credit card number. 16. Notices. All notices and other communications hereunder shall be given by email to your registered email address or will be posted on the Prosper website, and shall be deemed to have been duly given and effective upon transmission or posting. You can contact us by sending an email to support@prosper.com. You agree to notify Prosper if your registered email address changes, and you agree to update your registered residence address, mailing address and telephone number on the Prosper website if any of those items changes. 17. No Warranties. EXCEPT FOR THE REPRESENTATIONS CONTAINED IN THIS AGREEMENT, PROSPER DOES NOT MAKE ANY REPRESENTATIONS ORWARRANTIES TO YOU OR ANY OTHER PARTY WITH REGARD TO YOUR USE OF THE PROSPERWEBSITE OR THE PLATFORM, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FORA PARTICULAR PURPOSE. 18. Limitation on Liability. IN NO EVENT SHALL ANY PARTY TO THIS AGREEMENT BE LIABLE TO ANY OTHER PARTY FOR ANY LOST PROFITS OR SPECIAL, EXEMPLARY, CONSEQUENTIAL OR PUNITIVE DAMAGES, EVEN IF INFORMED OF THE POSSIBILITY OF SUCH DAMAGES. FURTHERMORE, NEITHER PARTY MAKES ANY REPRESENTATION ORWARRANTY TO ANY OTHER PARTY REGARDING THE EFFECT THAT THE AGREEMENT MAY HAVE UPON THE FOREIGN, FEDERAL, STATE OR LOCAL TAX LIABILITY OF THE OTHER. 19. Miscellaneous. You may not assign, transfer, sublicense or othenNise delegate your rights under this Agreement to another person without Prosper's prior written consent. Prosper may assign this Agreement at any time without your permission, unless prohibited by applicable law. Any such assignment, transfer, sublicense or delegation in violation of this Section shall be null and void. This Agreement shall be governed by federal law and, to the extent that state law applies, the laws of the State of Utah. Any waiver of a breach of any provision of this Agreement will not be a waiver of any other breach. Failure or delay by either party to enforce any term or condition of this Agreement will not constitute a waiver of such term or condition. lf any part of this Agreement is determined to be invalid or unenforceable under applicable law, then the invalid or unenforceable provision will be deemed superseded by a valid enforceable provision that most closely matches the intent of the original provision, and the remainder of the Agreement shall continue in effect. WebBank is not a party to this Agreement, but you agree that WebBank is a third-party beneciary and is entitled to rely on the provisions of this Agreement, including without limitation your representations, covenants and agreements herein. There are no third party beneciaries to this Agreement other than WebBank. 20. Performance by Prosper and WebBank. You acknowledge and agree that any obligations of or actions by Prosper under this Agreement may be performed by PMI on behalf of Prosper in PMl's capacity as servicer or agent of Prosper under any administrative services or similar agreement entered into between PMI and Prosper pursuant to which Prosper appoints PMI as servicer or agent to provide administrative, management, servicing or other services to Prosper. You also acknowledge and agree that any obligations of or actions byWebBank under this Agreement may be performed by PMI on behalf ofWebBank in PMl's capacity as agent ofWebBank under any loan program or similar agreement entered into between PMI and WebBank pursuant to which WebBank appoints PMI as agent to provide services to WebBank. 21. Separate Entities. Notwithstanding Section 20, you acknowledge and agree that Prosper, WebBank and PMI are separate legal entities and that neither entity has guaranteed the performance by the other entity of its obligations hereunder. 22. Arbitration. RESOLUTION OF DISPUTES: YOU ACKNOWLEDGE THAT YOU HAVE READ THIS PROVISION CAREFULLY, AND UNDERSTAND THAT IT LIMITS YOUR RIGHTS IN THE EVENT OF A DISPUTE BETWEEN YOU AND US. YOU UNDERSTAND THAT YOU HAVE THE RIGHT TO REJECT THIS PROVISION, AS PROVIDED IN PARAGRAPH (i) BELOW. (a) ln this Resolution of Disputes provision: (i) "You" and "your" mean the individual entering into this Agreement, as well as any person claiming through such individual; (ii) "We" and "us" mean WebBank, and Prosper Funding LLC and each of their respective parents, subsidiaries, afliates, predecessors, successors, and assigns, as well as the ofcers, directors, and employees of each of them; (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 us and you (including claims arising prior to or after the date of the Agreement, and claims that are currently the subject of purported class action litigation in which you are not a member of a certied class), and includes claims that are brought as counterclaims, cross claims, third party claims or othenNise, as well as disputes about the validity or enforceability of this Agreement or the validity or enforceability of this Section 22. (b) Any Claim shall be resolved, upon the election of either us or you, 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 led ("Rules"). Any arbitration under this Agreement will take place on an individual basis; class arbitrations and class actions are not permitted. If you le a claim, you may choose the administrator; if we le a claim, we may choose the administrator, but we agree to change to the other permitted administrator at your request (assuming that the other administrator is available). You 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, -, www.jamsadr.com. The address for serving any arbitration demand or claim on us is Prosper Marketplace, lnc., 101 Second Street, 15th Floor, San Francisco, CA 94105, Attention: Compliance. (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. We agree not to invoke our right to elect arbitration of an individual Claim led by you 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) We will pay all ling and administration fees charged by the administrator and arbitrator fees up to $1,000, and we will consider your request to pay any additional arbitration costs. If an arbitrator issues an award in our favor, you will not be required to reimburse us for any fees we have previously paid to the administrator or for which we are responsible. If you receive an award from the arbitrator, we will reimburse you for any fees paid by you 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 you the right to recover these fees, or fees paid to the administrator or arbitrator, then these statutory rights will apply in arbitration. (e) Any in-person arbitration hearing will be held in the city with the federal district court closest to your 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 ndings of fact and conclusions of law. The arbitrator shall have the power to award any relief authorized under applicable law. Any appropriate court may enterjudgment upon the arbitrator's award. The arbitrator's decision will be nal 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 nal 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, we will consider any reasonable written request by you for us to bear the cost. (f) YOU AND WE 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 we agree othenNise 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 22 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 22 is deemed invalid or unenforceable in whole or in part, then this entire Section 22 shall be deemed invalid and unenforceable. The terms of this Section 22 will prevail if there is any conict between the Rules and this section. (h) YOU AND WE AGREE THAT, BY ENTERING INTO THIS AGREEMENT, THE PARTIES ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION. YOU AND WE 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 PERMITI'ED IN PARAGRAPH (e) OR UNDER THE FEDERAL ARBITRATION ACT). (i) You understand that you may reject the provisions of this Section 22, in which case neither us nor you will have the right to elect arbitration. Rejection of this Section 20 will not affect the remaining parts of this Agreement. To reject this Section 22, you must send us written notice of your rejection within 30 days after the date that this Agreement was made. You must include your name, address, and account number. The notice of rejection must be mailed to Prosper Marketplace, Inc., 101 Second Street, 15th Floor, San Francisco, CA 941 05, Attention: Legal Department. This is the only way that you can reject this Section 22. (j) You and we acknowledge and agree that the arbitration agreement set forth in this Section 22 is made pursuant to a transaction involving interstate commerce, and thus the Federal Arbitration Act shall govern the interpretation and enforcement of this Section 22. This Section 22 shall survive the termination of this Agreement. 23. Electronic Transactions. THIS AGREEMENT INCLUDES YOUR EXPRESS CONSENT TO ELECTRONIC TRANSACTIONS AND DISCLOSURES, WHICH CONSENT IS SET FORTH IN THE SECTION ENTITLED "CONSENT TO DOING BUSINESS ELECTRONICALLY" AS DISCLOSED IN OUR TERMS OF USE ON OURWEBSITE, THE TERMS AND CONDITIONS OF WHICH ARE EXPRESSLY INCORPORATED HEREIN IN THEIR ENTIRETY. YOU EXPRESSLY AGREE THAT EACH OF (A) THIS AGREEMENT AND (B) ANY PROMISSORY NOTE WE SIGN ON YOUR BEHALF IN THE FORM SET FORTH ON THE A'I'I'ACHED EXHIBIT A, MAY COMPRISE A "TRANSFERABLE RECORD" FOR ALL PURPOSES UNDER THE ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT AND THE UNIFORM ELECTRONIC TRANSACTIONS ACT. 24. Power of Attorney. IF YOUR LISTING RECEIVES SUFFICIENT LENDER COMMITMENTS TO FUND, AND YOU DO NOT WITHDRAW YOUR LISTING PRIOR TO EXPIRATION OF THE LISTING PERIOD, YOU HEREBY AUTHORIZE EACH OF PROSPERAND PMI TO ACT AS YOUR A'I'I'ORNEY-IN-FACT TO EXECUTE A PROMISSORY NOTE ON YOUR BEHALF IN THE FORM SET FORTH ON THE A'I'I'ACHED EXHIBIT A IN FAVOR OF WEBBANK AND TO APPOINT A REGISTRAR (WHO MAY BE PROSPER OR PMI) TO MAINTAIN A REGISTER IN WHICH SUCH REGISTRARWILL MAKE BOOK ENTRY NOTATIONS IDENTIFYING THE OWNER OF SUCH PROMISSORY NOTE, IT'S ADDRESS AND ITS PAYMENT INSTRUCTIONS. EXHIBIT A PROMISSORY NOTE Borrower Address: 1. Promise to Pay. ln return for a loan l have received, l promise to pay WebBank, a Utah-chartered Industrial Bank ("you") the principal sum of Dollars ($ ), together with interest thereon commencing on the date of funding at the rate of percent (_%) per annum simple interest. l understand that references in this Promissory Note ("Note") to you shall also include any person to whom you transfer this Note. 2. Payments. This Note is payable in _ monthly installments of $ each, consisting of principal and interest, commencing on the day of , and continuing until the nal payment date of , which is the maturity date of this Note. The 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 incurred as a result of failed automated payments or returned bank drafts or checks, as provided in Paragraph 11; then to any charges for making payments other than as provided in this Note; then to any late charges then due; then to any interest then due; and then to principal. No unpaid interest or charges will be added to principal. 3. Interest. lnterest will be charged on unpaid principal until the full amount of principal has been paid. lnterest under this Note will accrue daily, on the basis of a 365-day year. lf payments are made on time, my nal payment will be in the amount of a regular monthly payment. Because of the daily accrual of interest and the effect of rounding, my nal payment may be more or less than my regular payment. l acknowledge that, if l 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 l will pay will be the rate l will pay both before and after any default. 4. Late Charge. lf the full amount of any monthly payment is not made by the end of fteen (15) calendar days after its due date, l will pay you a late charge of . l will pay this late charge promptly but only once on each late payment. 5. Waiver of Defenses. Except as othenNise 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. lf l have a dispute with any person from whom l have purchased such property or services, l agree to settle the dispute directly with that person. 6. Certification; Exception to Waiver. 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). l further certify that, to my knowledge, the proceeds of my loan will not be applied in whole or part to purchase property or services from any person to whom any interest in this Note may be assigned. lf, notwithstanding the preceding sentence, any person from whom l have purchased such property acquires any interest in this Note, then Paragraph 5 will not apply to the extent of that person's interest, even if that person later assigns that person's interest to another person. 7. Method of Payment. l will pay the principal, interest, and any late charges or other fees on this Note when due. Those amounts are called "payments" in this Note. To ensure that my payments are processed in a timely and efcient manner, you have given me the choice of making my monthly payments (i) by automated withdrawal from an account that l designate using an automated clearinghouse (ACH) or other electronic fund transfer, or (ii) by bank drafts drawn by you on my behalf on my account each month; and l have chosen one of these methods. lf l close my account or if my account changes or is othenNise inaccessible such that you are unable to withdraw my payments from that account or draw bank drafts on the account, | wi|| notify you at least three (3) days prior to any such closure, change or inaccessibility of my account, and authorize you to withdraw my payments from, or draw bank drafts on, another account that l designate. With regard to payments made by automatic withdrawals from my account, l 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 nancial institution where my account is held, orally or in writing at least three (3) business days before the scheduled date of the transfer. l 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. lf l fail to make any payment when due in the manner required by Paragraph 7, l will be in default and you may at your option accelerate the maturity of this Note and declare all principal, interest and other charges due under this Note immediately due and payable. lf you exercise the remedy of acceleration you will give me at least thirty (30) days prior notice of acceleration. 9. Prepayments. l may prepay this Note in full or in part at any time without penalty. 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 ofcial certication of nonpayment (known as "protest"). l hereby waive presentment, notice of dishonor and protest. Even if, at a time when l 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 if l 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. 11. Insufficient Funds Charge. lf l 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) insufcient funds in my account, (ii) the closure, change or inaccessibility of my account without my having notied you as provided in Paragraph 7, or (iii) for any other reason (other than an error by you), l will pay you an additional fee of $ for each returned or failed automated withdrawal, bank draft or other item, unless prohibited by applicable law. 12. Attorneys' Fees. To the extent permitted by law, l 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. lf a law that applies to my 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 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 l owe under this Note or by making a direct payment to me. 14. Assignment. l may not assign any of my obligations under this Note without your written permission. You do not have to give me your 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 othenNise in this Note, notices to me may be addressed to my registered email address or to my address set forth above unless l 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 support@ prosper.com or c/o Prosper Marketplace, lnc., 101 Second Street, 15th 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 modied or limited except by a written 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: 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 (i) BELOW. (a) ln this Resolution of Disputes provision: (i) "l," "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, afliates, predecessors, successors, and assigns, as well as the ofcers, directors, and employees of each of them; and (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 l am not a member of a certied class), and includes claims that are brought as counterclaims, cross claims, third party claims or othenNise, as well as disputes about the validity or enforceability of this Note or the validity or enforceability of this Section 18. (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 led ("Rules"). Any arbitration under this arbitration agreement will take place on an individual basis; class arbitrations and class actions are not permitted. If l le a claim, l may choose the administrator; if you le 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). l 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, -, www.jamsadr.com. Your address for serving any arbitration demand or claim is WebBank, c/o Prosper Marketplace, lnc., 101 Second Street, 15th Floor, San Francisco, CA 941 05, 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 led 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 ling 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, l will not be required to reimburse you for any fees you have previously paid to the administrator or for which you are responsible. If l 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 will 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 ndings of fact and conclusions of law. The arbitrator shall have the power to award any relief authorized under applicable law. Any appropriate court may enterjudgment upon the arbitrator's award. The arbitrator's decision will be nal 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 nal 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 l 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 I agree othenNise 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 conict between the Rules and this section. (h) YOU AND I 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 I 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 PERMITI'ED IN PARAGRAPH (e) OR UNDERTHE FEDERAL ARBITRATION ACT). (i) I understand that I may reject the provisions of this Section 18, in which case neither you nor I 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, I must send you written notice of my rejection within 30 days after the date that this Note was made. I must include my name, address, and account number. The notice of rejection must be mailed to WebBank, c/o Prosper Marketplace, Inc., 101 Second Street, 15th Floor, San Francisco, CA 94105, Attention: Legal Department. This is the only way that I can reject this Section 18. (j) You and I 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 a|| amounts borrowed thereunder. 19. Electronic Transactions. THIS NOTE INCLUDES YOUR EXPRESS CONSENT TO ELECTRONIC TRANSACTIONS AND DISCLOSURES, WHICH CONSENT IS SET FORTH IN THE SECTION ENTITLED "CONSENT TO DOING BUSINESS ELECTRONICALLY" AS DISCLOSED IN OUR TERMS OF USE ON OURWEBSITE, THE TERMS AND CONDITIONS OF WHICH ARE EXPRESSLY INCORPORATED HEREIN IN THEIR ENTIRETY. YOU EXPRESSLY AGREE THAT THIS NOTE MAY COMPRISE A "TRANSFERABLE RECORD" FORALL PURPOSES UNDER THE ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT AND THE UNIFORM ELECTRONIC TRANSACTIONS ACT. 20. Registration of Note Owners. You have granted to Prosper Funding LLC and Prosper Marketplace, Inc. powers of attorney to appoint themselves or a third party as your authorized agent (in such capacity, the "Note Registrar") to maintain a book-entry system for recording the benecial owners of interests in this Note (the "Note Owners"). If a Note Registrar is so appointed, the Note Registrar shall maintain such a book- entry system, any transfer by a Note Owner of its benecial interest in this Note shall be effective only through the book-entry system maintained by the Note Registrar. Any such appointment will be made and any appointed Note Registrar may assign its duties as Note Registrar in relation to this Note to any person acquiring 100% benecial interest in this Note without prior notice to you and without your prior consent. By signing this Note, l acknowledge that l (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 lled-in copy of this Note. Date: By: Prosper Marketplace, Inc. Attorney-in-Fact for [Borrower] (Signed Electronically) Last Updated: August 29, 2013 Copyright 2005-2017 Prosper Markemlace, Inc. All r'ghts reserved. EXHIBIT B firstn lastn middl Loan Loan Batc Acco Borro Amo Loan DPD Sche Pay Expe Date Defa Defa Defa Creat Creat Creat Modif Modif Modif Versi Versi Versi Next Next IsInC BaID PrinB lntBa Late NSF lntBa IsAut Bank GLR Servi Servi IsInP Settl Loan Loan Loan Loan char ame ame ena Detai ID hJobl untln werS untP Statu duled ment cted Clos ultSa ultRe ultRe edDa edUs edTr iedD iedU iedTr onSt onEn onVa Pay Pay ollect ate al | FeeB FeeB |Dain oAch Draft ewar cingT cing romo eme Exte Exte Exte Exte ge_o me IID D form tated astD sTyp Mont Day Matu ed IeSta ason ason te er ansa ate ser ansa artDa dDat lidBit ment ment ions al al Accr Off FeeB dBal rans Pare tional ntSta nsion nsion nsion nsion ff_Da ation Inter ue esID thP OfMo rityD tus Date ctionl ctionl te e ue Due ual al actio ntTra Perio tusID Statu Term Offer Exec te Date estR ayme nthD ate D D Date Amo nID nsact d SID Date ution ate ntAm ue unt ionlD Date ount ITZE OLL 2086 m5 1047 0.15 0.00 1 0 527. 26 NUL 1 NUL NUL 1133 1160 1 527. 0 2200 0.00 0.00 0.00 9.25 0 0.00 0.00 NUL NUL NUL NUL NUL NUL NUL NUL L ER- 7982 08 9 350 43 L L L 1320 9926 43 0.00 0000 L L L L L L L L BRU O 8 NO ITZE OLL 2145 .95 1069 0.15 0.00 1 0 527. 26 NUL 1 NUL NUL 1160 1191 1 527. 0 2175 0.00 0.00 0.00 9.15 0 0.00 0.00 NUL NUL NUL NUL NUL NUL NUL NUL L ER- 1784 08 1 350 43 L L L 9926 6487 43 9.38 0000 L L L L L L L L BRU 8 4 NO ITZE OLL 2204 .95 1088 0.15 0.00 1 0 527. 26 NUL 1 NUL NUL 1191 1223 1 527. 0 2150 0.00 0.00 0.00 9.04 0 0.00 0.00 NUL NUL NUL NUL NUL NUL NUL NUL L ER- 21 51 08 3 350 43 L L L 6487 2547 43 6.48 0000 L L L L L L L L BRU 4 3 NO ITZE OLL 2271 .95 1108 0.15 0.00 1 0 527. 26 NUL 1 NUL NUL 1223 1254 1 527. 0 2125 0.00 0.00 0.00 8.94 0 0.00 0.00 NUL NUL NUL NUL NUL NUL NUL NUL L ER- 1172 08 7 350 43 L L L 2547 0372 43 9.43 0000 L L L L L L L L BRU 3 3 NO ITZE OLL 2333 .95 1122 0.15 0.00 1 0 527. 26 NUL 1 NUL NUL 1254 1288 1 527. 0 2100 0.00 0.00 0.00 8.83 0 0.00 0.00 NUL NUL NUL NUL NUL NUL NUL NUL L ER- 2538 08 8 350 43 L L L 0372 9348 43 0.22 0000 L L L L L L L L BRU 3 2 NO ITZE OLL 2400 .95 1144 0.15 0.00 1 0 527. 26 NUL 1 NUL NUL 1288 1324 1 527. 0 2074 0.00 0.00 0.00 8.72 0 0.00 0.00 NUL NUL NUL NUL NUL NUL NUL NUL L ER- 31 79 08 3 350 43 L L L 9348 5836 43 6.57 0000 L L L L L L L L BRU 2 6 NO ITZE OLL 2468 m5 1153 0.15 0.00 1 0 527. 26 NUL 1 NUL NUL 1324 1358 1 527. 0 2048 0.00 0.00 0.00 8.62 0 0.00 0.00 NUL NUL NUL NUL NUL NUL NUL NUL L ER- 6556 08 2 350 43 L L L 5836 1763 43 9.61 0000 L L L L L L L L BRU 6 6 NO ITZE OLL 2540 .95 1175 0.15 0.00 1 0 527. 26 NUL 1 NUL NUL 1358 1395 1 527. 0 2022 0.00 0.00 0.00 8.50 0 0.00 0.00 NUL NUL NUL NUL NUL NUL NUL NUL L ER- 3604 08 3 350 43 L L L 1763 5858 43 0.69 0000 L L L L L L L L BRU 6 6 NO ITZE OLL 2615 .95 1196 0.15 0.00 1 0 527. 26 NUL 1 NUL NUL 1395 1431 1 527. 0 1995 0.00 0.00 0.00 8.39 0 0.00 0.00 NUL NUL NUL NUL NUL NUL NUL NUL L ER- 1714 08 0 350 43 L L L 5858 7379 43 6.88 0000 L L L L L L L L BRU 6 4 NO ITZE OLL 2689 595 1212 0.15 0.00 1 0 527. 26 NUL 1 NUL NUL 1431 1462 1 527. 0 1968 0.00 0.00 0.00 8.28 0 0.00 0.00 NUL NUL NUL NUL NUL NUL NUL NUL L ER- 01 31 5 350 43 L L L 7379 6240 43 1.23 0000 L L L L L L L L BRU 4 9 NO ITZE OLL 2750 $95 1212 0.15 0.00 1 0 527. 26 NUL 1 NUL NUL 1462 1471 1 527. 0 1968 198. 0.00 0.00 8.27 0 0.00 0.00 5392 NUL NUL NUL NUL NUL NUL NUL L ER- 0429 5 350 43 L L L 6240 7996 43 1.23 64 6901 00 L L L L L L L BRU 9 5 NO ITZE OLL 2762 .95 1212 0.15 0.00 1 0 527. 26 NUL 1 NUL NUL 1471 1515 1 527. 0 1941 0.00 0.00 0.00 8.16 0 0.00 0.00 1028 NUL NUL NUL NUL NUL NUL NUL L ER- 1335 08 5 350 43 L L L 7996 9354 43 0.38 2995 8895 L L L L L L L BRU 5 1 NO ITZE OLL 2817 m5 1212 0.15 0.00 1 0 527. 26 NUL 1 NUL NUL 1515 1548 1 527. 0 1913 0.00 0.00 0.00 8.04 0 0.00 0.00 1145 NUL NUL NUL NUL NUL NUL NUL L ER- 2825 08 5 350 43 L L L 9354 0394 43 6.00 7605 7072 L L L L L L L BRU 1 0 NO ITZE OLL 2865 .95 1212 0.15 0.00 1 0 527. 26 NUL 1 NUL NUL 1548 1559 1 527. 0 1913 169. 0.00 0.00 8.04 0 0.00 0.00 1710 NUL NUL NUL NUL NUL NUL NUL L ER- 7475 08 5 350 43 L L L 0394 2266 43 6.00 00 7605 328 L L L L L L L BRU O 4 NO ITZE OLL 2876 E5 1212 0.15 0.00 1 0 527. 26 NUL 1 NUL NUL 1559 1600 1 527. 0 1883 0.00 0.00 0.00 7.92 0 0.00 0.00 1282 NUL NUL NUL NUL NUL NUL NUL L ER- 5953 5 350 43 L L L 2266 5602 43 3.91 0562 3208 L L L L L L L BRU 4 7 NO ITZE OLL 2928 .95 1212 0.15 0.00 1 0 527. 26 NUL 1 NUL NUL 1600 1611 1 527. 0 1883 190. 0.00 0.00 7.92 0 0.00 0.00 2350 NUL NUL NUL NUL NUL NUL NUL L ER- 8561 08 5 350 43 L L L 5602 5517 43 3.91 09 0562 782 L L L L L L L BRU 7 3 NO ITZE OLL 2940 .95 1212 0.15 0.00 1 0 527. 26 NUL 1 NUL NUL 1611 1642 1 527. 0 1855 0.00 0.00 0.00 7.80 0 0.00 0.00 1411 NUL NUL NUL NUL NUL NUL NUL L ER- 1323 08 5 350 43 L L L 551 7 1101 43 2.01 201 0 2370 L L L L L L L BRU 3 5 NO ITZE OLL 2993 595 1212 0.15 0.00 1 0 527. 26 NUL 1 NUL NUL 1642 1649 1 527. 0 1855 179. 0.00 0.00 7.80 0 0.00 0.00 3031 NUL NUL NUL NUL NUL NUL NUL L ER- 5578 5 350 43 L L L 1101 3726 43 2.01 45 201 0 893 L L L L L L L BRU 5 6 NO ITZE OLL 3007 .95 1212 0.15 0.00 1 0 527. 26 NUL 1 NUL NUL 1649 1681 1 527. 0 1825 0.00 0.00 0.00 7.67 0 0.00 0.00 1548 NUL NUL NUL NUL NUL NUL NUL L ER- 7607 08 5 350 43 L L L 3726 621 2 43 8.65 8638 3857 L L L L L L L BRU 6 9 NO ITZE OLL 3069 .95 1212 0.15 0.00 1 0 527. 26 NUL 1 NUL NUL 1681 1691 1 527. 0 1825 184. 0.00 0.00 7.67 0 0.00 0.00 3782 NUL NUL NUL NUL NUL NUL NUL L ER- 0842 08 5 350 43 L L L 6212 0105 43 8.65 28 8638 070 L L L L L L L BRU 9 1 NO ITZE OLL 3090 15 1212 0.15 0.00 1 0 527. 26 NUL 1 NUL NUL 1691 1721 1 527. 0 1796 0.00 0.00 0.00 7.55 0 0.00 0.00 1708 NUL NUL NUL NUL NUL NUL NUL L ER- 0555 08 5 350 43 L L L 0105 7334 43 9.25 6931 9014 L L L L L L L BRU 1 2 NO ITZE OLL 3156 .95 1212 0.15 0.00 1 0 527. 26 NUL 1 NUL NUL 1721 1730 1 527. 0 1796 173. 0.00 0.00 7.55 0 0.00 0.00 4666 NUL NUL NUL NUL NUL NUL NUL L ER- 4184 08 5 350 43 L L L 7334 3791 43 9.25 81 6931 437 L L L L L L L BRU 2 0 NO ITZE OLL 3170 m5 1212 0.15 0.00 1 0 527. 26 NUL 1 NUL NUL 1730 1755 1 527. 1766 0.00 0.00 0.00 7.43 0 0.00 0.00 1880 NUL NUL NUL NUL NUL NUL NUL L ER- 7788 08 5 350 43 L L L 3791 6516 43 8.53 0464 2513 L L L L L L L BRU O 9 ITZE OLL 3240 E5 1212 0.15 0.00 527. 26 NUL NUL NUL 1755 1761 527. 1766 178. 0.00 0.00 7.43 0.00 0.00 5553 NUL NUL NUL NUL NUL NUL NUL L ER- 8583 08 5 350 43 L L L 6516 3844 43 8.53 33 0464 197 L L L L L L L BRU 9 8 NO ITZE OLL 3258 .95 1212 0.15 0.00 527. 26 NUL NUL NUL 1761 1800 527. 1737 0.00 0.00 0.00 7.30 0.00 0.00 2057 NUL NUL NUL NUL NUL NUL NUL L ER- 5336 08 5 350 43 L L L 3844 3690 43 1.45 5528 7817 L L L L L L L BRU 8 3 NO ITZE OLL 3546 .95 1212 0.15 0.00 527. 26 NUL NUL NUL 1800 1806 527. 1737 175. 0.00 0.00 7.30 0.00 0.00 6518 NUL NUL NUL NUL NUL NUL NUL L ER- 5654 08 5 350 43 L L L 3690 2194 43 1.45 33 5528 528 L L L L L L L BRU 3 5 NO ITZE OLL 3571 m5 1212 0.15 0.00 527. 26 NUL NUL NUL 1806 1820 527. 1707 0.00 0.00 0.00 7.17 0.00 0.00 2250 NUL NUL NUL NUL NUL NUL NUL L ER- 9778 08 5 350 43 L L L 2194 2781 43 0.49 8959 8255 L L L L L L L BRU 5 3 NO ITZE OLL 3660 .95 1212 0.15 0.00 527. 26 NUL NUL NUL 1820 1824 527. 1707 165. 0.00 0.00 7.17 0.00 0.00 7625 NUL NUL NUL NUL NUL NUL NUL L ER- 0482 08 5 350 43 L L L 2781 6979 43 0.49 11 8959 085 L L L L L L L BRU 3 5 NO ITZE OLL 3682 .95 1212 0.15 0.00 527. 26 NUL NUL NUL 1824 1840 527. 1675 0.00 0.00 0.00 7.04 0.00 0.00 2458 NUL NUL NUL NUL NUL NUL NUL L ER- 3265 08 5 350 43 L L L 6979 1121 43 8.43 7723 6796 L L L L L L L BRU 5 1 NO ITZE OLL 3777 $95 1212 0.15 0.00 527. 26 NUL NUL NUL 1840 1843 527. 1675 169. 0.00 0.00 7.04 0.00 0.00 8757 NUL 0 NUL NUL NUL NUL NUL L ER- 1864 5 350 43 L L L 1121 6889 43 8.43 14 7723 956 L L L L L L BRU 1 O NO ITZE OLL 3802 '5 1212 0.15 0.00 527. 26 NUL NUL NUL 1843 1856 527. 1644 0.00 0.00 0.00 6.91 0.00 0.00 2682 NUL 0 NUL NUL NUL NUL NUL L ER- 7767 08 5 350 43 L L L 6889 2969 43 9.47 7791 2095 L L L L L L BRU 0 6 NO ITZE OLL 3898 .95 1212 0.15 0.00 527. 26 NUL NUL NUL 1856 1856 527. 1644 159. 0.00 0.00 6.91 0.00 0.00 9979 NUL 0 NUL NUL NUL NUL NUL L ER- 7722 08 5 350 43 L L L 2969 2969 43 9.47 11 7791 296 L L L L L L BRU 6 6 NO ITZE OLL 3901 .95 1212 0.15 0.00 527. 26 NUL NUL NUL 1856 1860 527. 1644 159. 0.00 0.00 6.91 0.00 0.00 9979 NUL 0 NUL NUL NUL NUL NUL L ER- 1289 08 5 350 43 L L L 2969 5817 43 9.47 11 7791 296 L L L L L L BRU 6 7 NO ITZE OLL 3931 .95 1212 0.15 0.00 527. 26 NUL NUL NUL 1860 1871 527. 1612 0.00 0.00 0.00 6.78 0.00 0.00 2916 NUL 0 NUL NUL NUL NUL NUL L ER- 8120 08 5 350 43 L L L 5817 4139 43 9.58 3262 6273 L L L L L L BRU 7 4 NO ITZE OLL 4039 $5 1212 0.15 0.00 527. 26 NUL NUL NUL 1871 1871 527. 1612 162. 0.00 0.00 6.78 0.00 0.00 1127 NUL 0 NUL NUL NUL NUL NUL L ER- 8106 5 350 43 L L L 4139 4139 43 9.58 56 3262 5909 L L L L L L BRU 4 4 NO ITZE OLL 4042 .95 1212 0.15 0.00 527. 26 NUL NUL NUL 1871 1871 527. 1612 162. 0.00 0.00 6.78 0.00 0.00 1127 NUL 0 NUL NUL NUL NUL NUL L ER- 1574 08 5 350 43 L L L 4139 4139 43 9.58 56 3262 5909 L L L L L L BRU 4 4 NO ITZE OLL 4044 m5 1212 0.15 0.00 527. 26 NUL NUL NUL 1871 1877 527. 1612 162. 0.00 0.00 6.78 0.00 0.00 1127 NUL 0 NUL NUL NUL NUL NUL L ER- 4739 08 5 350 43 L L L 4139 4091 43 9.58 56 3262 5909 L L L L L L BRU 4 4 NO ITZE OLL 4069 m5 1212 0.15 0.00 527. 26 NUL NUL NUL 1877 1892 527. 1581 0.00 0.00 0.00 6.64 0.00 0.00 3164 NUL 0 NUL NUL NUL NUL NUL L ER- 6486 08 5 350 43 L L L 4091 6430 43 2.19 9784 7760 L L L L L L BRU 4 9 NO ITZE OLL 4197 m5 1212 0.15 0.00 527. 26 NUL NUL NUL 1892 1895 527. 1581 159. 0.00 0.00 6.64 0.00 0.00 1269 NUL 0 NUL NUL NUL NUL NUL L ER- 6065 08 5 350 43 L L L 6430 5226 43 2.19 59 9784 8382 L L L L L L BRU 9 7 NO ITZE OLL 4230 .95 1212 0.15 0.00 527. 26 NUL NUL NUL 1895 1902 527. 1549 0.00 0.00 0.00 6.51 0.00 0.00 3439 NUL 0 NUL NUL NUL NUL NUL L ER- 2186 08 5 350 43 L L L 5226 4873 43 0.90 4666 3534 L L L L L L BRU 7 O NO ITZE OLL 4376 .95 1212 0.15 0.00 527. 26 NUL NUL NUL 1902 1904 527. 1549 143. 0.00 0.00 6.51 0.00 0.00 1414 NUL 0 NUL NUL NUL NUL NUL L ER- 8920 08 5 350 43 L L L 4873 9518 43 0.90 32 4666 4143 L L L L L L BRU O 8 NO ITZE OLL 4409 m5 1212 0.15 0.00 527. 26 NUL NUL NUL 1904 1914 527. 1515 0.00 0.00 0.00 6.37 0.00 0.00 3716 NUL 0 NUL NUL NUL NUL NUL L ER- 0081 08 5 350 43 L L L 9518 1836 43 2.40 2311 5600 L L L L L L BRU 8 2 NO ITZE OLL 4528 I5 1212 0.15 0.00 527. 26 NUL NUL NUL 1914 1916 527. 1515 152. 0.00 0.00 6.37 0.00 0.00 1561 NUL 0 NUL NUL NUL NUL NUL L ER- 7946 08 5 350 43 L L L 1836 0247 43 2.40 93 2311 6499 L L L L L L BRU 2 1 NO ITZE OLL 4561 .5 1212 0.15 0.00 527. 26 NUL NUL NUL 1916 1922 527. 1482 0.00 0.00 0.00 6.23 0.00 0.00 3991 NUL 0 NUL NUL NUL NUL NUL L ER- 0509 08 5 350 43 L L L 0247 1825 43 2.51 3576 0807 L L L L L L BRU 1 4 NO ITZE OLL 4678 '5 1212 0.15 0.00 527. 26 NUL NUL NUL 1922 1923 527. 1482 130. 0.00 0.00 6.23 0.00 0.00 1709 NUL 0 NUL NUL NUL NUL NUL L ER- 4079 5 350 43 L L L 1825 3946 43 2.51 90 3576 3294 L L L L L L BRU 4 7 NO ITZE OLL 4718 k5 1212 0.15 0.00 527. 26 NUL NUL NUL 1923 1925 527. 1482 143. 0.00 0.00 6.23 0.00 0.00 1748 NUL 0 NUL NUL NUL NUL NUL L ER- 0152 5 350 43 L L L 3946 2509 43 2.51 37 3576 1682 L L L L L L BRU 7 8 NO ITZE OLL 4760 595 1212 0.15 0.00 527. 26 NUL NUL NUL 1925 1925 527. 1448 0.00 0.00 0.00 6.09 0.00 0.00 4265 NUL 0 O NUL NUL NUL NUL L ER- 4959 5 350 43 L L L 2509 9833 43 2.09 0413 1315 L L L L L BRU 8 4 NO ITZE OLL 4773 E5 1212 0.15 0.00 527. 26 NUL NUL NUL 1925 1927 527. 1448 12.1 0.00 0.00 6.09 0.00 0.00 1803 NUL 0 0 NUL NUL NUL NUL L ER- 5723 5 350 43 L L L 9833 9025 43 2.09 8 0413 1198 L L L L L BEU 4 1 N ITZE OLL 4868 595 1212 0.15 0.00 0 527. 26 NUL NUL NUL 1927 1931 527. 1448 109. 0.00 0.00 6.09 0.00 0.00 4426 NUL NUL NUL NUL NUL L ER- 731 4 5 350 43 L L L 9025 2029 43 2.09 62 O41 3 4632 L L L L L BRU 1 5 NO ITZE OLL 4898 E5 1212 0.15 0.00 0 527. 26 NUL NUL NUL 1931 1933 527. 1448 146. 0.00 0.00 6.09 0.00 0.00 1930 NUL O NUL NUL NUL L ER- 6431 5 350 43 L L L 2029 5887 43 2.09 17 O41 3 2460 L L L L BRU 5 2 NO ITZE OLL 4959 I5 1212 0.15 527. 1 527. 26 NUL NUL NUL 1933 1934 527. 1448 194. 0.00 0.00 6.09 0.00 0.00 1992 NUL O NUL NUL NUL L ER- 4665 08 5 350 43 43 L L L 5887 2732 43 2.09 89 O41 3 3384 L L L L BRU 2 7 NO ITZE OLL 4969 .95 1212 0.15 527. 1 527. 26 NUL NUL NUL 1934 1934 527. 1448 194. 0.00 0.00 6.09 0.00 0.00 4561 NUL 0 0 NUL NUL L ER- 6824 08 5 350 43 43 L L L 2732 2732 43 2.09 89 O41 3 4957 L L L BRU 7 7 NO ITZE OLL 4973 .95 1212 0.15 527. 2 527. 26 NUL NUL NUL 1934 1934 527. 1448 200. 0.00 0.00 6.09 0.00 0.00 2006 NUL O NUL NUL NUL L ER- 7043 08 5 350 43 43 L L L 2732 2732 43 2.09 98 O41 3 1793 L L L L BRU 7 7 NO ITZE OLL 4987 ‘5 1212 0.15 527. 3 527. 26 NUL NUL NUL 1934 1934 527. 1448 207. 0.00 0.00 6.09 0.00 0.00 2020 NUL O NUL NUL NUL L ER- 4761 08 5 350 43 43 L L L 2732 2732 43 2.09 07 O41 3 0578 L L L L BRU 7 7 NO ITZE OLL 4994 .95 1212 0.15 527. 4 527. 26 NUL NUL NUL 1934 1934 527. 1448 213. 0.00 0.00 6.09 0.00 0.00 4592 NUL 0 0 NUL NUL L ER- 7461 08 5 350 43 43 L L L 2732 2732 43 2.09 16 O41 3 81 70 L L L BRU 7 7 NO ITZE OLL 4993 .95 1212 0.15 527. 4 527. 26 NUL NUL NUL 1934 1934 527. 1448 213. 0.00 0.00 6.09 0.00 0.00 4592 NUL O 0 NUL NUL L ER- 4092 08 5 350 43 43 L L L 2732 2732 43 2.09 16 O41 3 81 71 L L L BRU 7 7 NO ITZE OLL 4995 D5 1212 0.15 527. 4 527. 26 NUL NUL NUL 1934 1934 527. 1448 213. 0.00 0.00 6.09 0.00 0.00 2027 NUL O NUL NUL NUL L ER- 4799 08 5 350 43 43 L L L 2732 2732 43 2.09 16 O41 3 1580 L L L L BRU 7 7 NO ITZE OLL 5000 U5 1212 0.15 527. 5 527. 26 NUL NUL NUL 1934 1934 527. 1448 219. 0.00 0.00 6.09 0.00 0.00 2033 NUL 0 NUL NUL NUL L ER- 6574 08 5 350 43 43 L L L 2732 2732 43 2.09 25 O41 3 9368 L L L L BRU 7 7 NO ITZE OLL 5009 E5 1212 0.15 527. 6 527. 26 NUL NUL NUL 1934 1934 527. 1448 225. 0.00 0.00 6.09 0.00 0.00 2040 NUL O NUL NUL NUL L ER- 1665 5 350 43 43 L L L 2732 2732 43 2.09 34 O41 3 61 38 L L L L BRU 7 7 NO ITZE OLL 5013 ES 1212 0.15 527. 7 527. 26 NUL NUL NUL 1934 1934 527. 1448 231. 0.00 0.00 6.09 0.00 0.00 2046 NUL O NUL NUL NUL L ER- 001 8 5 350 43 43 L L L 2732 2732 43 2.09 43 O41 3 61 72 L L L L BRU 7 7 NO ITZE OLL 5020 E5 1212 0.15 527. 8 527. 26 NUL NUL NUL 1934 1934 527. 1448 237. 0.00 0.00 6.09 0.00 0.00 2052 NUL 0 NUL NUL NUL L ER- 1689 5 350 43 43 L L L 2732 2732 43 2.09 52 O41 3 9041 L L L L BRU 7 7 NO ITZE OLL 5025 l5 1212 0.15 527. 9 527. 26 NUL NUL NUL 1934 1934 527. 1448 243. 0.00 0.00 6.09 0.00 0.00 2059 NUL O NUL NUL NUL L ER- 531 0 08 5 350 43 43 L L L 2732 2732 43 2.09 61 O41 3 0694 L L L L BRU 7 7 NO ITZE OLL 5033 '5 1212 0.15 527. 1O 527. 26 NUL NUL NUL 1934 1934 527. 1448 249. 0.00 0.00 6.09 0.00 0.00 2065 NUL O NUL NUL NUL L ER- 8478 08 5 350 43 43 L L L 2732 2732 43 2.09 70 O41 3 431 4 L L L L BRU 7 7 NO ITZE OLL 5038 .5 1212 0.15 527. 11 527. 26 NUL NUL NUL 1934 1936 527. 1448 255. 0.00 0.00 6.09 0.00 0.00 2072 NUL 0 NUL NUL NUL L ER- 5654 08 5 350 43 43 L L L 2732 51 14 43 2.09 79 O41 3 3391 L L L L BRU 7 8 NO ITZE OLL 5047 .95 1212 0.15 527. 12 527. 26 NUL NUL NUL 1936 1936 527. 1448 261. 0.00 0.00 6.09 0.00 0.00 2079 NUL O NUL NUL NUL L ER- 4774 08 5 350 43 43 L L L 51 14 51 14 43 2.09 88 0413 4431 L L L L BRU 8 8 NO ITZE OLL 5066 m5 1212 0.15 527. 13 527. 26 NUL NUL NUL 1936 1936 527. 1448 267. 0.00 0.00 6.09 0.00 0.00 2100 NUL O NUL NUL NUL L ER- 6145 08 5 350 43 43 L L L 51 14 51 14 43 2.09 97 0413 7040 L L L L BRU 8 8 NO ITZE OLL 5075 .95 1212 0.15 527. 14 527. 26 NUL NUL NUL 1936 1936 527. 1448 274. 0.00 0.00 6.09 0.00 0.00 2107 NUL 0 NUL NUL NUL L ER- 1275 08 5 350 43 43 L L L 51 14 51 14 43 2.09 06 0413 0979 L L L L BRU 8 8 NO ITZE OLL 5081 -5 1212 0.15 527. 15 527. 26 NUL NUL NUL 1936 1936 527. 1448 280. 0.00 0.00 6.09 0.00 0.00 2113 NUL O NUL NUL NUL L ER- 3546 08 5 350 43 43 L L L 51 14 51 14 43 2.09 16 0413 4371 L L L L BRU 8 8 NO ITZE OLL 5086 m5 1212 0.15 553. 16 527. 26 NUL NUL NUL 1936 1936 527. 1448 286. 26.3 0.00 6.09 0.00 0.00 4699 NUL O 0 NUL NUL L ER- 6909 08 5 350 80 43 L L L 51 14 51 14 43 2.09 25 7 O41 3 7993 L L L BRU 8 8 NO ITZE OLL 5088 '5 1212 0.15 553. 16 527. 26 NUL NUL NUL 1936 1936 527. 1448 286. 26.3 0.00 6.09 0.00 0.00 2120 NUL 0 NUL NUL NUL L ER- 3251 08 5 350 80 43 L L L 51 14 51 14 43 2.09 25 7 0413 4799 L L L L BRU 8 8 NO ITZE OLL 5093 ES 1212 0.15 553. 17 527. 26 NUL NUL NUL 1936 1936 527. 1448 292. 26.3 0.00 6.09 0.00 0.00 2127 NUL O NUL NUL NUL L ER- 9458 5 350 80 43 L L L 51 14 51 14 43 2.09 34 7 O41 3 3777 L L L L BRU 8 8 NO ITZE OLL 5100 5 1212 0.15 553. 18 527. 26 NUL NUL NUL 1936 1938 527. 1448 298. 26.3 0.00 6.09 0.00 0.00 2134 NUL O NUL NUL NUL L ER- 3688 08 5 350 80 43 L L L 51 14 1036 43 2.09 43 7 0413 1156 L L L L BRU 8 6 NO ITZE OLL 5108 5 1212 0.15 553. 19 527. 26 NUL NUL NUL 1938 1938 527. 1448 304. 26.3 0.00 6.09 0.00 0.00 2141 NUL 0 NUL NUL NUL L ER- 3665 5 350 80 43 L L L 1036 1036 43 2.09 52 7 O41 3 3380 L L L L BRU 6 6 ITZE OLL 5114 m5 1212 0.15 553. 20 527. 26 NUL NUL NUL 1938 1938 527. 1448 310. 26.3 0.00 6.09 0.00 0.00 2148 NUL NUL NUL NUL L ER- 7129 08 5 350 80 43 L L L 1036 1036 43 2.09 61 7 0413 5790 L L L L BRU 6 6 NO ITZE OLL 5121 15 1212 0.15 553. 21 527. 26 NUL NUL NUL 1938 1938 527. 1448 316. 26.3 0.00 6.09 0.00 0.00 2155 NUL NUL NUL NUL L ER- 7696 08 5 350 80 43 L L L 1036 1036 43 2.09 70 7 0413 2318 L L L L BRU 6 6 NO ITZE OLL 5127 R5 1212 0.15 553. 22 527. 26 NUL NUL NUL 1938 1938 527. 1448 322. 26.3 0.00 6.09 0.00 0.00 2162 NUL NUL NUL NUL L ER- 8718 5 350 80 43 L L L 1036 9606 43 2.09 79 7 0413 1414 L L L L BRU 6 9 NO ITZE OLL 5135 ‘5 1212 0.15 553. 23 527. 26 NUL NUL NUL 1938 1938 527. 1448 328. 26.3 0.00 6.09 0.00 0.00 2168 NUL NUL NUL NUL L ER- 5381 08 5 350 80 43 L L L 9606 9606 43 2.09 88 7 0413 5770 L L L L BRU 9 9 NO ITZE OLL 5140 .95 1212 0.15 553. 23 527. 26 NUL NUL NUL 1938 1939 527. 1448 328. 26.3 0.00 6.09 0.00 0.00 2172 NUL NUL NUL NUL L ER- 6166 08 5 350 80 43 L L L 9606 1874 43 2.09 88 7 0413 4063 L L L L BRU 9 6 NO ITZE OLL 5143 $5 1212 0.15 553. 24 527. 26 NUL NUL NUL 1939 1939 527. 1448 334. 26.3 0.00 6.09 0.00 0.00 2175 NUL NUL NUL NUL L ER- 1639 5 350 80 43 L L L 1874 5828 43 2.09 97 7 0413 1917 L L L L BRU 6 9 NO ITZE OLL 5148 -95 1212 0.15 553. 25 527. 26 NUL NUL NUL 1939 1939 527. 1448 341. 26.3 0.00 6.09 0.00 0.00 2182 NUL NUL NUL NUL L ER- 6224 08 5 350 80 43 L L L 5828 5828 43 2.09 06 7 0413 0776 L L L L BRU 9 9 NO ITZE OLL 5156 ES 1212 0.15 553. 26 527. 26 NUL NUL NUL 1939 1939 527. 1448 347. 26.3 0.00 6.09 0.00 0.00 2189 NUL NUL NUL NUL L ER- 4196 5 350 80 43 L L L 5828 5828 43 2.09 15 7 0413 6722 L L L L BRU 9 9 NO ITZE OLL 5161 m5 1212 0.15 553. 27 527. 26 NUL NUL NUL 1939 1939 527. 1448 353. 26.3 0.00 6.09 0.00 0.00 2196 NUL NUL NUL NUL L ER- 8357 08 5 350 80 43 L L L 5828 5828 43 2.09 24 7 0413 1423 L L L L BRU 9 9 NO ITZE OLL 5166 '5 1212 0.15 553. 28 527. 26 NUL NUL NUL 1939 1939 527. 1448 359. 26.3 0.00 6.09 0.00 0.00 2201 NUL NUL NUL NUL L ER- 5964 08 5 350 80 43 L L L 5828 5828 43 2.09 33 7 0413 2299 L L L L BRU 9 9 NO ITZE OLL 5171 F5 1212 0.15 553. 29 527. 26 NUL NUL NUL 1939 1939 527. 1448 365. 26.3 0.00 6.09 0.00 0.00 2206 NUL NUL NUL NUL L ER- 8500 5 350 80 43 L L L 5828 5828 43 2.09 42 7 0413 4983 L L L L BRU 9 9 NO ITZE OLL 5179 '5 1212 0.15 553. 3O 527. 26 NUL NUL NUL 1939 1941 527. 1448 371. 26.3 0.00 6.09 0.00 0.00 2214 NUL NUL NUL NUL L ER- 9185 08 5 350 80 43 L L L 5828 2177 43 2.09 51 7 0413 7696 L L L L BRU 9 5 NO ITZE OLL 5190 E5 1212 0.15 1081 31 527. 26 NUL NUL NUL 1941 1941 527. 1448 377. 26.3 0.00 6.09 0.00 0.00 2222 NUL 0 NUL NUL L ER- 1616 5 350 .23 43 L L L 2177 2177 43 2.09 6O 7 0413 3294 L L L BRU 5 5 NO ITZE OLL 5196 .95 1212 0.15 1081 32 527. 26 NUL NUL NUL 1941 1941 527. 1448 383. 26.3 0.00 6.09 0.00 0.00 2229 NUL 0 NUL NUL L ER- 9407 08 5 350 .23 43 L L L 2177 6611 43 2.09 69 7 0413 2852 L L L BRU 5 5 NO ITZE OLL 5202 l5 1212 0.15 1081 33 527. 26 NUL NUL NUL 1941 1941 527. 1448 389. 26.3 0.00 6.09 0.00 0.00 2235 NUL 0 NUL NUL L ER- 2116 08 5 350 .23 43 L L L 6611 6611 43 2.09 78 7 0413 9354 L L L BRU 5 5 NO ITZE OLL 5210 m5 1212 0.15 1081 34 527. 26 NUL NUL NUL 1941 1941 527. 1448 395. 26.3 0.00 6.09 0.00 0.00 2242 NUL 0 NUL NUL L ER- 6246 08 5 350 .23 43 L L L 6611 6611 43 2.09 87 7 0413 9109 L L L BRU 5 5 NO ITZE OLL 5213 .95 1212 0.15 1081 35 527. 26 NUL NUL NUL 1941 1941 527. 1448 401. 26.3 0.00 6.09 0.00 0.00 2248 NUL 0 NUL NUL L ER- 7330 08 5 350 .23 43 L L L 6611 6611 43 2.09 96 7 0413 4226 L L L BRU 5 5 NO ITZE OLL 5219 m5 1212 0.15 1081 36 527. 26 NUL NUL NUL 1941 1941 527. 1448 408. 26.3 0.00 6.09 0.00 0.00 2254 NUL 0 NUL NUL L ER- 8578 08 5 350 .23 43 L L L 6611 6611 43 2.09 05 7 0413 5621 L L L BRU 5 5 NO ITZE OLL 5228 '5 1212 0.15 1081 37 527. 26 NUL NUL NUL 1941 1942 527. 1448 414. 26.3 0.00 6.09 0.00 0.00 2261 NUL 0 NUL NUL L ER- 7062 08 5 350 .23 43 L L L 6611 6565 43 2.09 14 7 0413 3351 L L L BRU 5 3 NO ITZE OLL 5235 ”95 1212 0.15 1081 38 527. 26 NUL NUL NUL 1942 1942 527. 1448 420. 26.3 0.00 6.09 0.00 0.00 2267 NUL 0 NUL NUL L ER- 2918 5 350 .23 43 L L L 6565 6565 43 2.09 23 7 0413 7164 L L L BRU 3 3 NO ITZE OLL 5238 E5 1212 0.15 1081 39 527. 26 NUL NUL NUL 1942 1943 527. 1448 426. 26.3 0.00 6.09 0.00 0.00 2272 NUL 0 NUL NUL L ER- 4489 5 350 .23 43 L L L 6565 0730 43 2.09 33 7 0413 3330 L L L BRU 3 3 NO ITZE OLL 5244 .95 1212 0.15 1081 4O 527. 26 NUL NUL NUL 1943 1943 527. 1448 432. 26.3 0.00 6.09 0.00 0.00 2277 NUL 0 NUL NUL L ER- 2236 08 5 350 .23 43 L L L 0730 0730 43 2.09 42 7 0413 6387 L L L BRU 3 3 NO ITZE OLL 5250 595 1212 0.15 1081 41 527. 26 NUL NUL NUL 1943 1943 527. 1448 438. 26.3 0.00 6.09 0.00 0.00 2282 NUL 0 NUL NUL L ER- 5747 5 350 .23 43 L L L 0730 0730 43 2.09 51 7 0413 8776 L L L BRU 3 3 NO ITZE OLL 5253 li5 1212 0.15 1081 42 527. 26 NUL NUL NUL 1943 1943 527. 1448 444. 26.3 0.00 6.09 0.00 0.00 2287 NUL 0 NUL NUL L ER- 8266 08 5 350 .23 43 L L L 0730 0730 43 2.09 60 7 0413 4416 L L L BRU 3 3 NO ITZE OLL 5259 E5 1212 0.15 1081 43 527. 26 NUL NUL NUL 1943 1943 527. 1448 450. 26.3 0.00 6.09 0.00 0.00 2292 NUL 0 NUL NUL L ER- 4436 08 5 350 .23 43 L L L 0730 0730 43 2.09 69 7 0413 0290 L L L BEU 3 3 N ITZE OLL 5263 D5 1212 0.15 1081 44 527. 26 NUL NUL NUL 1943 1944 527. 1448 456. 26.3 0.00 6.09 0.00 0.00 2297 NUL NUL NUL L ER- 4713 08 5 350 .23 43 L L L 0730 2981 43 2.09 78 7 0413 3852 L L L BRU 3 4 NO ITZE OLL 5266 .95 1212 0.15 1081 45 527. 26 NUL NUL NUL 1944 1944 527. 1448 462. 26.3 0.00 6.09 0.00 0.00 2302 NUL NUL NUL L ER- 3626 08 5 350 .23 43 L L L 2981 2981 43 2.09 87 7 0413 4855 L L L BRU 4 4 NO ITZE OLL 5274 '5 1212 0.15 1107 46 527. 26 NUL NUL NUL 1944 1944 527. 1448 468. 52.7 0.00 6.09 0.00 0.00 2307 NUL NUL NUL L ER- 8852 08 5 350 .60 43 L L L 2981 2981 43 2.09 96 4 0413 5014 L L L BRU 4 4 NO ITZE OLL 5279 .5 1212 0.15 1107 47 527. 26 NUL NUL NUL 1944 1944 527. 1448 475. 52.7 0.00 6.09 0.00 0.00 2313 NUL NUL NUL L ER- 1595 08 5 350 .60 43 L L L 2981 2981 43 2.09 05 4 O41 3 1067 L L L BRU 4 4 NO ITZE OLL 5285 15 1212 0.15 1107 48 527. 26 NUL NUL NUL 1944 1944 527. 1448 481. 52.7 0.00 6.09 0.00 0.00 2318 NUL NUL NUL L ER- 7551 08 5 350 .60 43 L L L 2981 2981 43 2.09 14 4 0413 5155 L L L BRU 4 4 NO ITZE OLL 5287 E5 1212 0.15 1107 49 527. 26 NUL NUL NUL 1944 1944 527. 1448 487. 52.7 0.00 6.09 0.00 0.00 2323 NUL NUL NUL L ER- 9947 5 350 .60 43 L L L 2981 2981 43 2.09 23 4 0413 3815 L L L BRU 4 4 NO ITZE OLL 5293 595 1212 0.15 1107 5O 527. 26 NUL NUL NUL 1944 1944 527. 1448 493. 52.7 0.00 6.09 0.00 0.00 2328 NUL NUL NUL L ER- 0758 5 350 .60 43 L L L 2981 2981 43 2.09 32 4 0413 4848 L L L BRU 4 4 NO ITZE OLL 5298 D5 1212 0.15 1107 51 527. 26 NUL NUL NUL 1944 1945 527. 1448 499. 52.7 0.00 6.09 0.00 0.00 2333 NUL NUL NUL L ER- 2724 08 5 350 .60 43 L L L 2981 6491 43 2.09 41 4 0413 7811 L L L BRU 4 6 NO ITZE OLL 5304 ES 1212 0.15 1107 52 527. 26 NUL NUL NUL 1945 1945 527. 1448 505. 52.7 0.00 6.09 0.00 0.00 2339 NUL NUL NUL L ER- 8548 5 350 .60 43 L L L 6491 6491 43 2.09 50 4 0413 0951 L L L BRU 6 6 NO ITZE OLL 5309 D5 1212 0.15 1107 53 527. 26 NUL NUL NUL 1945 1945 527. 1448 511. 52.7 0.00 6.09 0.00 0.00 2344 NUL NUL NUL L ER- 1135 08 5 350 .60 43 L L L 6491 6491 43 2.09 59 4 O41 3 5696 L L L BRU 6 6 NO ITZE OLL 5314 E5 1212 0.15 1107 54 527. 26 NUL NUL NUL 1945 1945 527. 1448 517. 52.7 0.00 6.09 0.00 0.00 2350 NUL NUL NUL L ER- 8555 5 350 .60 43 L L L 6491 6491 43 2.09 68 4 0413 0031 L L L BRU 6 6 NO ITZE OLL 5321 l5 1212 0.15 1107 55 527. 26 NUL NUL NUL 1945 1945 527. 1448 523. 52.7 0.00 6.09 0.00 0.00 2355 NUL NUL NUL L ER- 2729 5 350 .60 43 L L L 6491 6491 43 2.09 77 4 0413 5243 L L L BRU 6 6 NO ITZE OLL 5324 .95 1212 0.15 1107 56 527. 26 NUL NUL NUL 1945 1945 527. 1448 529. 52.7 0.00 6.09 0.00 0.00 2360 NUL NUL NUL L ER- 7522 08 5 350 .60 43 L L L 6491 6491 43 2.09 86 4 0413 4459 L L L BRU 6 6 NO ITZE OLL 5329 .95 1212 0.15 1107 57 527. 26 NUL NUL NUL 1945 1945 527. 1448 535. 52.7 0.00 6.09 0.00 0.00 2365 NUL NUL NUL L ER- 4637 08 5 350 .60 43 L L L 6491 6491 43 2.09 95 4 0413 2298 L L L BRU 6 6 NO ITZE OLL 5336 m5 1212 0.15 1107 58 527. 26 NUL NUL NUL 1945 1947 527. 1448 542. 52.7 0.00 6.09 0.00 0.00 2370 NUL NUL NUL L ER- 0389 08 5 350 .60 43 L L L 6491 1473 43 2.09 04 4 0413 5595 L L L BRU 6 7 NO ITZE OLL 5343 E5 1212 0.15 1107 59 527. 26 NUL NUL NUL 1947 1947 527. 1448 548. 52.7 0.00 6.09 0.00 0.00 2376 NUL NUL NUL L ER- 0452 08 5 350 .60 43 L L L 1473 1473 43 2.09 13 4 0413 0561 L L L BRU 7 7 NO ITZE OLL 5348 .95 1212 0.15 1107 60 527. 26 NUL NUL NUL 1947 1947 527. 1448 554. 52.7 0.00 6.09 0.00 0.00 2381 NUL NUL NUL L ER- 2649 08 5 350 .60 43 L L L 1473 1473 43 2.09 22 4 0413 2814 L L L BRU 7 7 NO ITZE OLL 5351 !95 1212 0.15 1107 61 527. 26 NUL NUL NUL 1947 1947 527. 1448 560. 52.7 0.00 6.09 0.00 0.00 2386 NUL NUL NUL L ER- 0232 5 350 .60 43 L L L 1473 1473 43 2.09 31 4 0413 7472 L L L BRU 7 7 NO ITZE OLL 5359 .95 1212 0.15 1635 62 527. 26 NUL NUL NUL 1947 1947 527. 1448 566. 52.7 0.00 6.09 0.00 0.00 2392 NUL NUL NUL L ER- 4372 08 5 350 .03 43 L L L 1473 1473 43 2.09 4O 4 0413 4899 L L L BRU 7 7 NO ITZE OLL 5363 |i95 1212 0.15 1635 63 527. 26 NUL NUL NUL 1947 1947 527. 1448 572. 52.7 0.00 6.09 0.00 0.00 2396 NUL NUL NUL L ER- 5613 08 5 350 .03 43 L L L 1473 1473 43 2.09 50 4 0413 9984 L L L BRU 7 7 NO ITZE OLL 5365 .95 1212 0.15 1635 64 527. 26 NUL NUL NUL 1947 1947 527. 1448 578. 52.7 0.00 6.09 0.00 0.00 2401 NUL NUL NUL L ER- 5684 08 5 350 .03 43 L L L 1473 1473 43 2.09 59 4 0413 6138 L L L BRU 7 7 NO ITZE OLL 5370 l5 1212 0.15 1635 65 527. 26 NUL NUL NUL 1947 1948 527. 1448 584. 52.7 0.00 6.09 0.00 0.00 2406 NUL NUL NUL L ER- 7242 08 5 350 .03 43 L L L 1473 9826 43 2.09 68 4 0413 7355 L L L BRU 7 O NO ITZE OLL 5378 E5 1212 0.15 1635 66 527. 26 NUL NUL NUL 1948 1949 527. 1448 590. 52.7 0.00 6.09 0.00 0.00 2411 NUL NUL NUL L ER- 8781 5 350 .03 43 L L L 9826 2837 43 2.09 77 4 0413 8421 L L L BRU 0 2 NO ITZE OLL 5385 m5 1212 0.15 1635 67 527. 26 NUL NUL NUL 1949 1949 527. 1448 596. 52.7 0.00 6.09 0.00 0.00 2418 NUL NUL NUL L ER- 1025 08 5 350 .03 43 L L L 2837 2837 43 2.09 86 4 0413 2567 L L L BRU 2 2 NO ITZE OLL 5388 m5 1212 0.15 1635 68 527. 26 NUL NUL NUL 1949 1949 527. 1448 602. 52.7 0.00 6.09 0.00 0.00 2424 NUL NUL NUL L ER- 4392 08 5 350 .03 43 L L L 2837 2837 43 2.09 95 4 0413 4474 L L L BRU 2 2 ITZE OLL 5393 m5 1212 0.15 1635 69 527. 26 NUL NUL NUL 1949 1949 527. 1448 609. 52.7 0.00 6.09 0.00 0.00 2429 NUL NUL NUL L ER- 6781 08 5 350 .03 43 L L L 2837 2837 43 2.09 04 4 0413 6842 L L L BRU 2 2 NO ITZE OLL 5398 l5 1212 0.15 1635 7O 527. 26 NUL NUL NUL 1949 1949 527. 1448 615. 52.7 0.00 6.09 0.00 0.00 2434 NUL NUL NUL L ER- 8045 08 5 350 .03 43 L L L 2837 2837 43 2.09 13 4 0413 6213 L L L BRU 2 2 NO ITZE OLL 5405 .95 1212 0.15 1635 71 527. 26 NUL NUL NUL 1949 1949 527. 1448 621. 52.7 0.00 6.09 0.00 0.00 2439 NUL NUL NUL L ER- 6753 08 5 350 .03 43 L L L 2837 2837 43 2.09 22 4 0413 3620 L L L BRU 2 2 NO ITZE OLL 5407 '95 1212 0.15 1635 72 527. 26 NUL NUL NUL 1949 1950 527. 1448 627. 52.7 0.00 6.09 0.00 0.00 2444 NUL NUL NUL L ER- 9491 08 5 350 .03 43 L L L 2837 8782 43 2.09 31 4 0413 1825 L L L BRU 2 5 NO ITZE OLL 5413 !95 1212 0.15 1635 73 527. 26 NUL NUL NUL 1950 1950 527. 1448 633. 52.7 0.00 6.09 0.00 0.00 2449 NUL NUL NUL L ER- 1673 5 350 .03 43 L L L 8782 8782 43 2.09 40 4 0413 1471 L L L BRU 5 5 NO ITZE OLL 5421 m5 1212 0.15 1635 74 527. 26 NUL NUL NUL 1950 1950 527. 1448 639. 52.7 0.00 6.09 0.00 0.00 2454 NUL NUL NUL L ER- 3311 08 5 350 .03 43 L L L 8782 8782 43 2.09 49 4 O41 3 8539 L L L BRU 5 5 NO ITZE OLL 5426 W5 1212 0.15 1635 75 527. 26 NUL NUL NUL 1950 1950 527. 1448 645. 52.7 0.00 6.09 0.00 0.00 2460 NUL NUL NUL L ER- 8472 5 350 .03 43 L L L 8782 8782 43 2.09 58 4 O41 3 5935 L L L BRU 5 5 NO ITZE OLL 5429 .95 1212 0.15 1635 76 527. 26 NUL NUL NUL 1950 1950 527. 1448 651. 52.7 0.00 6.09 0.00 0.00 2466 NUL NUL NUL L ER- 4462 08 5 350 .03 43 L L L 8782 8782 43 2.09 67 4 0413 0528 L L L BRU 5 5 NO ITZE OLL 5437 .95 1212 0.15 1661 77 527. 26 NUL NUL NUL 1950 1950 527. 1448 657. 79.1 0.00 6.09 0.00 0.00 2471 NUL NUL NUL L ER- 0901 08 5 350 .40 43 L L L 8782 8782 43 2.09 76 1 O41 3 0330 L L L BRU 5 5 NO ITZE OLL 5439 D5 1212 0.15 1661 78 527. 26 NUL NUL NUL 1950 1950 527. 1448 663. 79.1 0.00 6.09 0.00 0.00 2475 NUL NUL NUL L ER- 2880 08 5 350 .40 43 L L L 8782 8782 43 2.09 85 1 O41 3 9551 L L L BRU 5 5 NO ITZE OLL 5447 m5 1212 0.15 1661 79 527. 26 NUL NUL NUL 1950 1952 527. 1448 669. 79.1 0.00 6.09 0.00 0.00 2481 NUL NUL NUL L ER- 6003 08 5 350 .40 43 L L L 8782 9149 43 2.09 94 1 0413 3812 L L L BRU 5 9 NO ITZE OLL 5452 m5 1212 0.15 1661 80 527. 26 NUL NUL NUL 1952 1952 527. 1448 676. 79.1 0.00 6.09 0.00 0.00 2487 NUL NUL NUL L ER- 1038 08 5 350 .40 43 L L L 9149 9149 43 2.09 03 1 0413 0160 L L L BRU 9 9 NO ITZE OLL 5458 D5 1212 0.15 1661 81 527. 26 NUL NUL NUL 1952 1952 527. 1448 682. 79.1 0.00 6.09 0.00 0.00 2493 NUL NUL NUL L ER- 1404 08 5 350 .40 43 L L L 9149 9149 43 2.09 12 1 0413 1011 L L L BRU 9 9 NO ITZE OLL 5462 E5 1212 0.15 1661 82 527. 26 NUL NUL NUL 1952 1952 527. 1448 688. 79.1 0.00 6.09 0.00 0.00 2498 NUL NUL NUL L ER- 0892 5 350 .40 43 L L L 9149 9149 43 2.09 21 1 0413 8547 L L L BRU 9 9 NO ITZE OLL 5468 |i5 1212 0.15 1661 83 527. 26 NUL NUL NUL 1952 1952 527. 1448 694. 79.1 0.00 6.09 0.00 0.00 2504 NUL NUL NUL L ER- 5584 08 5 350 .40 43 L L L 9149 9149 43 2.09 30 1 0413 9750 L L L BRU 9 9 NO ITZE OLL 5475 m5 1212 0.15 1661 84 527. 26 NUL NUL NUL 1952 1952 527. 1448 700. 79.1 0.00 6.09 0.00 0.00 2509 NUL NUL NUL L ER- 7496 08 5 350 .40 43 L L L 9149 9149 43 2.09 39 1 0413 9053 L L L BRU 9 9 NO ITZE OLL 5480 15 1212 0.15 1661 85 527. 26 NUL NUL NUL 1952 1952 527. 1448 706. 79.1 0.00 6.09 0.00 0.00 2514 NUL NUL NUL L ER- 7791 08 5 350 .40 43 L L L 9149 9149 43 2.09 48 1 0413 9525 L L L BRU 9 9 NO ITZE OLL 5486 .95 1212 0.15 1661 86 527. 26 NUL NUL NUL 1952 1954 527. 1448 712. 79.1 0.00 6.09 0.00 0.00 2520 NUL NUL NUL L ER- 3756 08 5 350 .40 43 L L L 9149 8624 43 2.09 57 1 0413 7001 L L L BRU 9 7 NO ITZE OLL 5488 IE5 1212 0.15 1661 87 527. 26 NUL NUL NUL 1954 1954 527. 1448 718. 79.1 0.00 6.09 0.00 0.00 2526 NUL NUL NUL L ER- 4589 08 5 350 .40 43 L L L 8624 8624 43 2.09 67 1 O41 3 1592 L L L BRU 7 7 NO ITZE OLL 5494 .5 1212 0.15 1661 88 527. 26 NUL NUL NUL 1954 1954 527. 1448 724. 79.1 0.00 6.09 0.00 0.00 2531 NUL NUL NUL L ER- 5051 08 5 350 .40 43 L L L 8624 8624 43 2.09 76 1 O41 3 6461 L L L BRU 7 7 NO ITZE OLL 5503 m5 1212 0.15 1661 89 527. 26 NUL NUL NUL 1954 1954 527. 1448 730. 79.1 0.00 6.09 0.00 0.00 2537 NUL NUL NUL L ER- 3391 08 5 350 .40 43 L L L 8624 8624 43 2.09 85 1 O41 3 4947 L L L BRU 7 7 NO ITZE OLL 5508 .95 1212 0.15 1661 90 527. 26 NUL NUL NUL 1954 1954 527. 1448 736. 79.1 0.00 6.09 0.00 0.00 2543 NUL NUL NUL L ER- 9506 08 5 350 .40 43 L L L 8624 8624 43 2.09 94 1 O41 3 2661 L L L BRU 7 7 NO ITZE OLL 5512 15 1212 0.15 1661 91 527. 26 NUL NUL NUL 1954 1954 527. 1448 743. 79.1 0.00 6.09 0.00 0.00 2548 NUL NUL NUL L ER- 5949 08 5 350 .40 43 L L L 8624 8624 43 2.09 03 1 0413 2175 L L L BRU 7 7 NO ITZE OLL 5518 .95 1212 0.15 1661 92 527. 26 NUL NUL NUL 1954 1954 527. 1448 749. 79.1 0.00 6.09 0.00 0.00 2553 NUL NUL NUL L ER- 0597 08 5 350 .40 43 L L L 8624 8624 43 2.09 12 1 O41 3 1589 L L L BRU 7 7 NO ITZE OLL 5523 E5 1212 0.15 2188 93 527. 26 NUL NUL NUL 1954 1956 527. 1448 755. 79.1 0.00 6.09 0.00 0.00 2558 NUL NUL NUL L ER- 8255 5 350 .83 43 L L L 8624 3335 43 2.09 21 1 0413 3177 L L L BRU 7 1 ITZE OLL 5527 E5 1212 0.15 2188 94 527. 26 NUL NUL NUL 1956 1956 527. 1448 761. 79.1 0.00 6.09 0.00 0.00 2563 NUL NUL NUL L ER- 0563 5 350 .83 43 L L L 3335 3335 43 2.09 3O 1 O41 3 6237 L L L BRU 1 1 NO ITZE OLL 5533 .95 1212 0.15 2188 95 527. 26 NUL NUL NUL 1956 1957 527. 1448 767. 79.1 0.00 6.09 0.00 0.00 2569 NUL NUL NUL L ER- 471 3 08 5 350 .83 43 L L L 3335 1091 43 2.09 39 1 O41 3 0944 L L L BRU 1 8 NO ITZE OLL 5542 .5 1212 0.15 2188 96 527. 26 NUL NUL NUL 1957 1957 527. 1448 773. 79.1 0.00 6.09 0.00 0.00 2576 NUL NUL NUL L ER- 8005 08 5 350 .83 43 L L L 1091 1091 43 2.09 48 1 O41 3 3264 L L L BRU 8 8 NO ITZE OLL 5546 l5 1212 0.15 2188 97 527. 26 NUL NUL NUL 1957 1957 527. 1448 779. 79.1 0.00 6.09 0.00 0.00 2583 NUL NUL NUL L ER- 7078 08 5 350 .83 43 L L L 1091 1091 43 2.09 57 1 0413 3319 L L L BRU 8 8 NO ITZE OLL 5546 E5 1212 0.15 2188 97 527. 26 NUL NUL NUL 1957 1957 527. 1448 779. 79.1 0.00 6.09 0.00 0.00 2583 NUL NUL NUL L ER- 7753 5 350 .83 43 L L L 1091 1091 43 2.09 57 1 O41 3 4021 L L L BRU 8 8 NO ITZE OLL 5550 m5 1212 0.15 2188 97 527. 26 NUL NUL NUL 1957 1957 527. 1448 779. 79.1 0.00 6.09 0.00 0.00 2583 NUL NUL NUL L ER- 2560 08 5 350 .83 43 L L L 1091 1091 43 2.09 57 1 O41 3 4021 L L L BRU 8 8 NO ITZE OLL 5552 .95 1212 0.15 2188 98 527. 26 NUL NUL NUL 1957 1957 527. 1448 785. 79.1 0.00 6.09 0.00 0.00 2587 NUL NUL NUL L ER- 9884 08 5 350 .83 43 L L L 1091 5669 43 2.09 66 1 O41 3 0011 L L L BRU 8 4 NO ITZE OLL 5558 m5 1212 0.15 2188 99 527. 26 NUL NUL NUL 1957 1957 527. 1448 791. 79.1 0.00 6.09 0.00 0.00 2591 NUL NUL NUL L ER- 7089 08 5 350 .83 43 L L L 5669 9552 43 2.09 75 1 O41 3 5253 L L L BRU 4 7 NO ITZE OLL 5561 .95 1212 0.15 2188 100 527. 26 NUL NUL NUL 1957 1957 527. 1448 797. 79.1 0.00 6.09 0.00 0.00 2596 NUL NUL NUL L ER- 31 33 08 5 350 .83 43 L L L 9552 9552 43 2.09 84 1 O41 3 8375 L L L BRU 7 7 NO ITZE OLL 5569 m5 1212 0.15 2188 101 527. 26 NUL NUL NUL 1957 1957 527. 1448 803. 79.1 0.00 6.09 0.00 0.00 2602 NUL NUL NUL L ER- 8680 08 5 350 .83 43 L L L 9552 9552 43 2.09 93 1 O41 3 81 96 L L L BRU 7 7 NO ITZE OLL 5575 m5 1212 0.15 2188 102 527. 26 NUL NUL NUL 1957 1957 527. 1448 810. 79.1 0.00 6.09 0.00 0.00 2608 NUL NUL NUL L ER- 9784 08 5 350 .83 43 L L L 9552 9552 43 2.09 02 1 O41 3 9387 L L L BRU 7 7 NO ITZE OLL 5580 D5 1212 0.15 1582 73 527. 26 NUL NUL NUL 1957 1957 527. 1448 367. 0.00 0.00 6.09 0.00 0.00 5475 NUL NUL NUL L ER- 7208 08 5 350 .29 43 L L L 9552 9552 43 2.09 79 O41 3 131 3 L L L BRU 7 7 NO ITZE OLL 5579 m5 1212 0.15 1582 73 527. 26 NUL NUL NUL 1957 1959 527. 1448 367. 0.00 0.00 6.09 0.00 0.00 2614 NUL NUL NUL L ER- 3280 08 5 350 .29 43 L L L 9552 1345 43 2.09 79 O41 3 81 84 L L L BRU 7 8 NO ITZE OLL 5585 ‘5 1212 0.15 1582 74 527. 26 NUL NUL NUL 1959 1959 527. 1448 373. 0.00 0.00 6.09 0.00 0.00 2620 NUL NUL NUL L ER- 9590 08 5 350 .29 43 L L L 1345 1345 43 2.09 88 O41 3 2744 L L L BRU 8 8 NO ITZE OLL 5589 m5 1212 0.15 1582 75 527. 26 NUL NUL NUL 1959 1959 527. 1448 379. 0.00 0.00 6.09 0.00 0.00 2625 NUL NUL NUL L ER- 9054 08 5 350 .29 43 L L L 1345 1345 43 2.09 97 O41 3 4489 L L L BRU 8 8 NO ITZE OLL 5597 .95 1212 0.15 1582 76 527. 26 NUL NUL NUL 1959 1959 527. 1448 386. 0.00 0.00 6.09 0.00 0.00 2630 NUL NUL NUL L ER- 2490 08 5 350 .29 43 L L L 1345 1345 43 2.09 06 O41 3 3928 L L L BRU 8 8 NO ITZE OLL 5602 ES 1212 0.15 1582 77 527. 26 NUL NUL NUL 1959 1960 527. 1448 392. 0.00 0.00 6.09 0.00 0.00 2635 NUL NUL NUL L ER- 6139 5 350 .29 43 L L L 1345 1264 43 2.09 15 0413 6010 L L L BRU 8 2 NO ITZE OLL 5607 ES 1212 0.15 1608 78 527. 26 NUL NUL NUL 1960 1960 527. 1448 398. 26.3 0.00 6.09 0.00 0.00 2641 NUL NUL NUL L ER- 0847 5 350 .66 43 L L L 1264 1264 43 2.09 24 7 O41 3 1443 L L L BRU 2 2 NO ITZE OLL 5611 E5 1212 0.15 1608 79 527. 26 NUL NUL NUL 1960 1960 527. 1448 404. 26.3 0.00 6.09 0.00 0.00 2646 NUL NUL NUL L ER- 5249 5 350 .66 43 L L L 1264 1264 43 2.09 33 7 O41 3 8653 L L L BRU 2 2 NO ITZE OLL 5617 15 1212 0.15 1608 80 527. 26 NUL NUL NUL 1960 1960 527. 1448 410. 26.3 0.00 6.09 0.00 0.00 2652 NUL NUL NUL L ER- 3878 08 5 350 .66 43 L L L 1264 1264 43 2.09 42 7 O41 3 9675 L L L BRU 2 2 NO ITZE OLL 5623 '95 1212 0.15 1608 81 527. 26 NUL NUL NUL 1960 1960 527. 1448 416. 26.3 0.00 6.09 0.00 0.00 2658 NUL NUL NUL L ER- 5048 08 5 350 .66 43 L L L 1264 1264 43 2.09 51 7 O41 3 81 17 L L L BRU 2 2 NO ITZE OLL 5628 E5 1212 0.15 1608 82 527. 26 NUL NUL NUL 1960 1960 527. 1448 422. 26.3 0.00 6.09 0.00 0.00 2664 NUL NUL NUL L ER- 9678 08 5 350 .66 43 L L L 1264 1264 43 2.09 61 7 O41 3 1472 L L L BRU 2 2 NO ITZE OLL 5636 .95 1212 0.15 1608 83 527. 26 NUL NUL NUL 1960 1960 527. 1448 428. 26.3 0.00 6.09 0.00 0.00 2669 NUL NUL NUL L ER- 1353 08 5 350 .66 43 L L L 1264 1264 43 2.09 70 7 O41 3 2764 L L L BRU 2 2 NO ITZE OLL 5639 m5 1212 0.15 1608 84 527. 26 NUL NUL NUL 1960 1962 527. 1448 434. 26.3 0.00 6.09 0.00 0.00 2674 NUL NUL NUL L ER- 1495 08 5 350 .66 43 L L L 1264 0993 43 2.09 79 7 O41 3 9635 L L L BRU 2 2 NO ITZE OLL 5646 E5 1212 0.15 1608 85 527. 26 NUL NUL NUL 1962 1962 527. 1448 440. 26.3 0.00 6.09 0.00 0.00 2680 NUL NUL NUL L ER- 4393 5 350 .66 43 L L L 0993 0993 43 2.09 88 7 O41 3 4732 L L L BRU 2 2 ITZE OLL 5652 '5 1212 0.15 1608 86 527. 26 NUL NUL NUL 1962 1962 527. 1448 446. 26.3 0.00 6.09 0.00 0.00 2686 NUL NUL NUL L ER- 1960 08 5 350 .66 43 L L L 0993 0993 43 2.09 97 7 0413 5008 L L L BRU 2 2 NO ITZE OLL 5658 .95 1212 0.15 1608 87 527. 26 NUL NUL NUL 1962 1962 527. 1448 453. 26.3 0.00 6.09 0.00 0.00 2692 NUL NUL NUL L ER- 2569 08 5 350 .66 43 L L L 0993 0993 43 2.09 06 7 0413 5816 L L L BRU 2 2 NO ITZE OLL 5663 .95 1212 0.15 1608 88 527. 26 NUL NUL NUL 1962 1962 527. 1448 459. 26.3 0.00 6.09 0.00 0.00 2698 NUL NUL NUL L ER- 2305 08 5 350 .66 43 L L L 0993 0993 43 2.09 15 7 0413 4916 L L L BRU 2 2 NO ITZE OLL 5667 m5 1212 0.15 1608 89 527. 26 NUL NUL NUL 1962 1962 527. 1448 465. 26.3 0.00 6.09 0.00 0.00 2703 NUL NUL NUL L ER- 8991 08 5 350 .66 43 L L L 0993 0993 43 2.09 24 7 0413 3001 L L L BRU 2 2 NO ITZE OLL 5674 -95 1212 0.15 1054 59 527. 26 NUL NUL NUL 1962 1962 527. 1445 0.00 0.00 0.00 6.07 0.00 0.00 5630 NUL NUL NUL L ER- 4882 08 5 350 .86 43 L L L 0993 0993 43 2.36 7910 7857 L L L BRU 2 2 NO ITZE OLL 5675 .95 1212 0.15 1054 59 527. 26 NUL NUL NUL 1962 1963 527. 1445 0.00 0.00 0.00 6.07 0.00 0.00 2708 NUL NUL NUL L ER- 3819 08 5 350 .86 43 L L L 0993 6757 43 2.36 7910 4746 L L L BRU 2 4 NO ITZE OLL 5680 .5 1212 0.15 1054 60 527. 26 NUL NUL NUL 1963 1964 527. 1445 6.08 0.00 0.00 6.07 0.00 0.00 2713 NUL NUL NUL L ER- 2076 08 5 350 .86 43 L L L 6757 0064 43 2.36 7910 9811 L L L BRU 4 5 NO ITZE OLL 5686 m5 1212 0.15 1054 61 527. 26 NUL NUL NUL 1964 1964 527. 1445 12.1 0.00 0.00 6.07 0.00 0.00 2720 NUL NUL NUL L ER- 3186 08 5 350 .86 43 L L L 0064 0064 43 2.36 5 7910 0942 L L L BRU 5 5 NO ITZE OLL 5692 E5 1212 0.15 1582 62 527. 26 NUL NUL NUL 1964 1964 527. 1445 18.2 0.00 0.00 6.07 0.00 0.00 2726 NUL NUL NUL L ER- 6714 5 350 .29 43 L L L 0064 0064 43 2.36 3 7910 4488 L L L BRU 5 5 NO ITZE OLL 5696 l5 1212 0.15 1582 63 527. 26 NUL NUL NUL 1964 1964 527. 1445 24.3 0.00 0.00 6.07 0.00 0.00 2732 NUL NUL NUL L ER- 8101 08 5 350 .29 43 L L L 0064 0064 43 2.36 1 7910 0190 L L L BRU 5 5 NO ITZE OLL 5704 £95 1212 0.15 1582 64 527. 26 NUL NUL NUL 1964 1964 527. 1445 30.3 0.00 0.00 6.07 0.00 0.00 2737 NUL NUL NUL L ER- 5485 5 350 .29 43 L L L 0064 0064 43 2.36 9 7910 3877 L L L BRU 5 5 NO ITZE OLL 5707 E5 1212 0.15 1582 65 527. 26 NUL NUL NUL 1964 1964 527. 1445 36.4 0.00 0.00 6.07 0.00 0.00 2742 NUL NUL NUL L ER- 3554 5 350 .29 43 L L L 0064 0064 43 2.36 7 7910 5024 L L L BRU 5 5 NO ITZE OLL 5711 .95 1212 0.15 1582 66 527. 26 NUL NUL NUL 1964 1964 527. 1445 42.5 0.00 0.00 6.07 0.00 0.00 2747 NUL NUL NUL L ER- 9340 08 5 350 .29 43 L L L 0064 0064 43 2.36 4 7910 0261 L L L BRU 5 5 NO ITZE OLL 5718 -95 1212 0.15 1582 67 527. 26 NUL NUL NUL 1964 1964 527. 1445 48.6 0.00 0.00 6.07 0.00 0.00 2752 NUL NUL NUL L ER- 5614 08 5 350 .29 43 L L L 0064 0064 43 2.36 2 7910 4616 L L L BRU 5 5 NO ITZE OLL 5725 D5 1212 0.15 1582 68 527. 26 NUL NUL NUL 1964 1964 527. 1445 54.7 0.00 0.00 6.07 0.00 0.00 2758 NUL NUL NUL L ER- 6385 08 5 350 .29 43 L L L 0064 0064 43 2.36 0 7910 6528 L L L BRU 5 5 NO ITZE OLL 5730 .95 1212 0.15 1582 69 527. 26 NUL NUL NUL 1964 1964 527. 1445 60.7 0.00 0.00 6.07 0.00 0.00 2763 NUL NUL NUL L ER- 5342 08 5 350 .29 43 L L L 0064 0064 43 2.36 8 7910 9664 L L L BRU 5 5 NO ITZE OLL 5733 .95 1212 0.15 1582 7O 527. 26 NUL NUL NUL 1964 1967 527. 1445 66.8 0.00 0.00 6.07 0.00 0.00 2769 NUL NUL NUL L ER- 8301 08 5 350 .29 43 L L L 0064 1461 43 2.36 6 7910 5454 L L L BRU 5 6 NO ITZE OLL 5739 .95 1212 0.15 1582 71 527. 26 NUL NUL NUL 1967 1967 527. 1445 72.9 0.00 0.00 6.07 0.00 0.00 2774 NUL NUL NUL L ER- 5607 08 5 350 .29 43 L L L 1461 1461 43 2.36 3 7910 8911 L L L BRU 6 6 NO ITZE OLL 5745 l5 1212 0.15 1582 72 527. 26 NUL NUL NUL 1967 1967 527. 1445 79.0 0.00 0.00 6.07 0.00 0.00 2780 NUL NUL NUL L ER- 9598 08 5 350 .29 43 L L L 1461 4487 43 2.36 1 7910 0444 L L L BRU 6 1 NO ITZE OLL 5750 E5 1212 0.15 1582 73 527. 26 NUL NUL NUL 1967 1967 527. 1445 85.0 0.00 0.00 6.07 0.00 0.00 2784 NUL NUL NUL L ER- 4991 5 350 .29 43 L L L 4487 4487 43 2.36 9 7910 6152 L L L BRU 1 1 NO ITZE OLL 5755 15 1212 0.15 1582 74 527. 26 NUL NUL NUL 1967 1967 527. 1445 91.1 0.00 0.00 6.07 0.00 0.00 2790 NUL NUL NUL L ER- 8994 08 5 350 .29 43 L L L 4487 4487 43 2.36 7 7910 0438 L L L BRU 1 1 NO ITZE OLL 5760 .95 1212 0.15 1582 75 527. 26 NUL NUL NUL 1967 1967 527. 1445 97.2 0.00 0.00 6.07 0.00 0.00 2795 NUL NUL NUL L ER- 2067 08 5 350 .29 43 L L L 4487 4487 43 2.36 5 7910 7122 L L L BRU 1 1 NO ITZE OLL 5768 D5 1212 0.15 1582 76 527. 26 NUL NUL NUL 1967 1967 527. 1445 103. 0.00 0.00 6.07 0.00 0.00 2801 NUL NUL NUL L ER- 0966 08 5 350 .29 43 L L L 4487 4487 43 2.36 32 7910 1492 L L L BRU 1 1 NO ITZE OLL 5772 D5 1212 0.15 1608 77 527. 26 NUL NUL NUL 1967 1967 527. 1445 109. 26.3 0.00 6.07 0.00 0.00 2806 NUL NUL NUL L ER- 6760 08 5 350 .66 43 L L L 4487 4487 43 2.36 40 7 7910 9098 L L L BRU 1 1 NO ITZE OLL 5778 .95 1212 0.15 1608 78 527. 26 NUL NUL NUL 1967 1967 527. 1445 115. 26.3 0.00 6.07 0.00 0.00 2812 NUL NUL NUL L ER- 7223 08 5 350 .66 43 L L L 4487 4487 43 2.36 48 7 7910 1530 L L L BgU 1 1 N ITZE OLL 5780 E5 1212 0.15 1608 79 527. 26 NUL NUL NUL 1967 1967 527. 1445 121. 26.3 0.00 6.07 0.00 0.00 2817 NUL NUL NUL L ER- 831 4 5 350 .66 43 L L L 4487 4487 43 2.36 56 7 791 0 0960 L L L BRU 1 1 NO ITZE OLL 5787 m5 1212 0.15 1608 80 527. 26 NUL NUL NUL 1967 1969 527. 1445 127. 26.3 0.00 6.07 0.00 0.00 2822 NUL NUL NUL L ER- 9694 08 5 350 .66 43 L L L 4487 1824 43 2.36 63 7 791 0 4742 L L L BRU 1 3 NO ITZE OLL 5793 E5 1212 0.15 1608 81 527. 26 NUL NUL NUL 1969 1969 527. 1445 133. 26.3 0.00 6.07 0.00 0.00 2828 NUL NUL NUL L ER- 8251 5 350 .66 43 L L L 1824 1824 43 2.36 71 7 7910 2160 L L L BRU 3 3 NO ITZE OLL 5800 m5 1212 0.15 1608 82 527. 26 NUL NUL NUL 1969 1969 527. 1445 139. 26.3 0.00 6.07 0.00 0.00 2833 NUL NUL NUL L ER- 5377 08 5 350 .66 43 L L L 1824 9886 43 2.36 79 7 791 0 9202 L L L BRU 3 8 NO ITZE OLL 5804 £95 1212 0.15 1608 83 527. 26 NUL NUL NUL 1969 1969 527. 1445 145. 26.3 0.00 6.07 0.00 0.00 2840 NUL NUL NUL L ER- 1729 5 350 .66 43 L L L 9886 9886 43 2.36 87 7 791 0 1140 L L L BRU 8 8 NO ITZE OLL 5812 $5 1212 0.15 1608 84 527. 26 NUL NUL NUL 1969 1970 527. 1445 151. 26.3 0.00 6.07 0.00 0.00 2846 NUL NUL NUL L ER- 9244 5 350 .66 43 L L L 9886 4497 43 2.36 95 7 791 0 3740 L L L BRU 8 3 NO ITZE OLL 5816 .95 1212 0.15 1608 85 527. 26 NUL NUL NUL 1970 1970 527. 1445 158. 26.3 0.00 6.07 0.00 0.00 2852 NUL NUL NUL L ER- 2677 08 5 350 .66 43 L L L 4497 7851 43 2.36 02 7 791 0 2528 L L L BRU 3 4 NO ITZE OLL 5824 .95 1212 0.15 1608 86 527. 26 NUL NUL NUL 1970 1970 527. 1445 164. 26.3 0.00 6.07 0.00 0.00 2857 NUL NUL NUL L ER- 0883 08 5 350 .66 43 L L L 7851 7851 43 2.36 10 7 791 0 6725 L L L BRU 4 4 NO ITZE OLL 5826 .95 1212 0.15 1608 87 527. 26 NUL NUL NUL 1970 1970 527. 1445 170. 26.3 0.00 6.07 0.00 0.00 2861 NUL NUL NUL L ER- 6964 08 5 350 .66 43 L L L 7851 7851 43 2.36 18 7 791 0 3347 L L L BRU 4 4 NO ITZE OLL 5834 E5 1212 0.15 1608 88 527. 26 NUL NUL NUL 1970 1971 527. 1445 176. 26.3 0.00 6.07 0.00 0.00 2868 NUL NUL NUL L ER- 3096 5 350 .66 43 L L L 7851 4337 43 2.36 26 7 791 0 5809 L L L BRU 4 5 NO ITZE OLL 5839 '95 1212 0.15 1608 89 527. 26 NUL NUL NUL 1971 1971 527. 1445 182. 26.3 0.00 6.07 0.00 0.00 2875 NUL NUL NUL L ER- 541 5 08 5 350 .66 43 L L L 4337 4337 43 2.36 34 7 791 0 2045 L L L BRU 5 5 NO ITZE OLL 5844 .95 1212 0.15 1608 90 527. 26 NUL NUL NUL 1971 1971 527. 1445 188. 26.3 0.00 6.07 0.00 0.00 2882 NUL NUL NUL L ER- 5682 08 5 350 .66 43 L L L 4337 4337 43 2.36 41 7 791 0 1135 L L L BRU 5 5 NO ITZE OLL 5852 .95 1212 0.15 1608 91 527. 26 NUL NUL NUL 1971 1971 527. 1445 194. 26.3 0.00 6.07 0.00 0.00 2887 NUL NUL NUL L ER- 2256 08 5 350 .66 43 L L L 4337 4337 43 2.36 49 7 791 0 4207 L L L BRU 5 5 NO ITZE OLL 5857 m5 1212 0.15 1608 92 527. 26 NUL NUL NUL 1971 1971 527. 1445 200. 26.3 0.00 6.07 0.00 0.00 2896 NUL NUL NUL L ER- 6935 08 5 350 .66 43 L L L 4337 4337 43 2.36 57 7 791 0 O31 2 L L L BRU 5 5 NO ITZE OLL 5861 D5 1212 0.15 2136 93 527. 26 NUL NUL NUL 1971 1971 527. 1445 206. 26.3 0.00 6.07 0.00 0.00 2898 NUL NUL NUL L ER- 0563 08 5 350 .09 43 L L L 4337 4337 43 2.36 65 7 791 0 0397 L L L BRU 5 5 NO ITZE OLL 5866 .95 1212 0.15 2136 94 527. 26 NUL NUL NUL 1971 1971 527. 1445 212. 26.3 0.00 6.07 0.00 0.00 2902 NUL NUL NUL L ER- 931 3 08 5 350 .09 43 L L L 4337 4337 43 2.36 73 7 791 0 9860 L L L BRU 5 5 NO ITZE OLL 5869 k5 1212 0.15 2136 95 527. 26 NUL NUL NUL 1971 1971 527. 1445 218. 26.3 0.00 6.07 0.00 0.00 2908 NUL NUL NUL L ER- 6065 5 350 .09 43 L L L 4337 4337 43 2.36 80 7 791 0 6825 L L L BRU 5 5 NO ITZE OLL 5875 595 1212 0.15 2136 96 527. 26 NUL NUL NUL 1971 1971 527. 1445 224. 26.3 0.00 6.07 0.00 0.00 2915 NUL NUL NUL L ER- 771 5 5 350 .09 43 L L L 4337 4337 43 2.36 88 7 791 0 3937 L L L BRU 5 5 NO ITZE OLL 5881 E5 1212 0.15 2136 97 527. 26 NUL NUL NUL 1971 1971 527. 1445 230. 26.3 0.00 6.07 0.00 0.00 2921 NUL NUL NUL L ER- 1649 08 5 350 .09 43 L L L 4337 4337 43 2.36 96 7 791 0 2736 L L L BRU 5 5 NO ITZE OLL 5889 m5 1212 0.15 2136 98 527. 26 NUL NUL NUL 1971 1971 527. 1445 237. 26.3 0.00 6.07 0.00 0.00 2927 NUL NUL NUL L ER- 3941 08 5 350 .09 43 L L L 4337 4337 43 2.36 04 7 791 0 2423 L L L BRU 5 5 NO ITZE OLL 5891 E5 1212 0.15 2136 99 527. 26 NUL NUL NUL 1971 1971 527. 1445 243. 26.3 0.00 6.07 0.00 0.00 2932 NUL NUL NUL L ER- 8596 5 350 .09 43 L L L 4337 4337 43 2.36 12 7 791 0 7890 L L L BRU 5 5 NO ITZE OLL 5898 .95 1212 0.15 2136 100 527. 26 NUL NUL NUL 1971 1971 527. 1445 249. 26.3 0.00 6.07 0.00 0.00 2937 NUL NUL NUL L ER- 1711 08 5 350 .09 43 L L L 4337 4337 43 2.36 19 7 791 0 6367 L L L BRU 5 5 NO ITZE OLL 5903 '5 1212 0.15 2136 101 527. 26 NUL NUL NUL 1971 1971 527. 1445 255. 26.3 0.00 6.07 0.00 0.00 2942 NUL NUL NUL L ER- 221 9 08 5 350 .09 43 L L L 4337 4337 43 2.36 27 7 791 0 8258 L L L BRU 5 5 NO ITZE OLL 5906 $5 1212 0.15 2136 102 527. 26 NUL NUL NUL 1971 1971 527. 1445 261. 26.3 0.00 6.07 0.00 0.00 2948 NUL NUL NUL L ER- 6424 5 350 .09 43 L L L 4337 4337 43 2.36 35 7 791 0 4902 L L L BRU 5 5 NO ITZE OLL 5914 E5 1212 0.15 2136 103 527. 26 NUL NUL NUL 1971 1971 527. 1445 267. 26.3 0.00 6.07 0.00 0.00 2954 NUL NUL NUL L ER- 8707 5 350 .09 43 L L L 4337 4337 43 2.36 43 7 791 0 41 21 L L L BRU 5 5 ITZE OLL 5919 5 1212 0.15 2136 104 527. 26 NUL NUL NUL 1971 1975 527. 1445 273. 26.3 0.00 6.07 0.00 0.00 2960 NUL NUL NUL L ER- 9566 08 5 350 .09 43 L L L 4337 231 8 43 2.36 50 7 791 0 3221 L L L BRU 5 4 NO ITZE OLL 5923 .95 1212 0.15 2136 105 527. 26 NUL NUL NUL 1975 1975 527. 1445 279. 26.3 0.00 6.07 0.00 0.00 2966 NUL NUL NUL L ER- 5252 08 5 350 .09 43 L L L 231 8 231 8 43 2.36 58 7 791 0 5330 L L L BRU 4 4 NO ITZE OLL 5930 m5 1212 0.15 2136 106 527. 26 NUL NUL NUL 1975 1975 527. 1445 285. 26.3 0.00 6.07 0.00 0.00 2972 NUL NUL NUL L ER- 4688 08 5 350 .09 43 L L L 2318 2318 43 2.36 66 7 7910 1542 L L L BRU 4 4 NO ITZE OLL 5936 .95 1212 0.15 2136 107 527. 26 NUL NUL NUL 1975 1975 527. 1445 291. 26.3 0.00 6.07 0.00 0.00 2977 NUL NUL NUL L ER- 3831 08 5 350 .09 43 L L L 2318 2318 43 2.36 74 7 7910 2834 L L L BRU 4 4 NO ITZE OLL 5943 '95 1212 0.15 2162 108 527. 26 NUL NUL NUL 1975 1975 527. 1445 297. 52.7 0.00 6.07 0.00 0.00 2985 NUL NUL NUL L ER- 4762 08 5 350 .46 43 L L L 231 8 231 8 43 2.36 82 4 791 0 5477 L L L BRU 4 4 NO ITZE OLL 5948 .95 1212 0.15 2162 109 527. 26 NUL NUL NUL 1975 1975 527. 1445 303. 52.7 0.00 6.07 0.00 0.00 2991 NUL NUL NUL L ER- 8738 08 5 350 .46 43 L L L 231 8 231 8 43 2.36 89 4 791 0 3206 L L L BRU 4 4 NO ITZE OLL 5954 .95 1212 0.15 2162 110 527. 26 NUL NUL NUL 1975 1976 527. 1445 309. 52.7 0.00 6.07 0.00 0.00 2997 NUL NUL NUL L ER- 8972 08 5 350 .46 43 L L L 231 8 681 5 43 2.36 97 4 791 0 7614 L L L BRU 4 O NO ITZE OLL 5955 .95 1212 0.15 2162 111 527. 26 NUL NUL NUL 1976 1976 527. 1445 316. 52.7 0.00 6.07 0.00 0.00 3000 NUL NUL NUL L ER- 3942 08 5 350 .46 43 L L L 681 5 681 5 43 2.36 05 4 791 0 4769 L L L BRU 0 O NO ITZE OLL 5962 5 1212 0.15 2162 112 527. 26 NUL NUL NUL 1976 1976 527. 1445 322. 52.7 0.00 6.07 0.00 0.00 3006 NUL NUL NUL L ER- 7944 08 5 350 .46 43 L L L 681 5 681 5 43 2.36 13 4 791 0 5982 L L L BRU O 0 NO ITZE OLL 5966 .95 1212 0.15 2162 113 527. 26 NUL NUL NUL 1976 1976 527. 1445 328. 52.7 0.00 6.07 0.00 0.00 3012 NUL NUL NUL L ER- 8665 08 5 350 .46 43 L L L 681 5 681 5 43 2.36 21 4 791 0 81 24 L L L BRU 0 O NO ITZE OLL 5974 .95 1212 0.15 2162 114 527. 26 NUL NUL NUL 1976 1976 527. 1445 334. 52.7 0.00 6.07 0.00 0.00 3018 NUL NUL NUL L ER- 8554 08 5 350 .46 43 L L L 681 5 681 5 43 2.36 28 4 791 0 2379 L L L BRU 0 O NO ITZE OLL 5978 m5 1212 0.15 2162 115 527. 26 NUL NUL NUL 1976 1976 527. 1445 340. 52.7 0.00 6.07 0.00 0.00 3023 NUL NUL NUL L ER- 691 4 08 5 350 .46 43 L L L 681 5 681 5 43 2.36 36 4 791 0 3747 L L L BRU O 0 NO ITZE OLL 5984 .95 1212 0.15 2162 116 527. 26 NUL NUL NUL 1976 1977 527. 1445 346. 52.7 0.00 6.07 0.00 0.00 3029 NUL NUL NUL L ER- 3347 08 5 350 .46 43 L L L 681 5 9563 43 2.36 44 4 791 0 5436 L L L BRU O 4 NO ITZE OLL 5991 .95 1212 0.15 2162 117 527. 26 NUL NUL NUL 1977 1977 527. 1445 352. 52.7 0.00 6.07 0.00 0.00 3035 NUL NUL NUL L ER- 3464 08 5 350 .46 43 L L L 9563 9563 43 2.36 52 4 791 0 7355 L L L BRU 4 4 NO ITZE OLL 5993 ES 1212 0.15 2162 118 527. 26 NUL NUL NUL 1977 1977 527. 1445 358. 52.7 0.00 6.07 0.00 0.00 3041 NUL NUL NUL L ER- 9721 5 350 .46 43 L L L 9563 9563 43 2.36 60 4 791 0 6004 L L L BRU 4 4 NO ITZE OLL 6000 .95 1212 0.15 2162 119 527. 26 NUL NUL NUL 1977 1977 527. 1445 364. 52.7 0.00 6.07 0.00 0.00 3048 NUL NUL NUL L ER- 2502 08 5 350 .46 43 L L L 9563 9563 43 2.36 67 4 791 0 4499 L L L BRU 4 4 NO ITZE OLL 6008 .95 1212 0.15 2162 120 527. 26 NUL NUL NUL 1977 1977 527. 1445 370. 52.7 0.00 6.07 0.00 0.00 3055 NUL NUL NUL L ER- 2390 08 5 350 .46 43 L L L 9563 9563 43 2.36 75 4 791 0 0538 L L L BRU 4 4 NO ITZE OLL 6012 595 1212 0.15 2162 120 527. 26 NUL NUL NUL 1977 1977 527. 1445 376. 52.7 0.00 6.07 0.00 0.00 6184 NUL NUL NUL L ER- 1993 5 350 .46 43 L L L 9563 9563 43 2.36 83 4 791 0 0589 L L L BRU 4 4 NO ITZE OLL 6012 .95 1212 0.15 1488 120 527. 26 NUL NUL NUL 1977 1977 61.1 1445 376. 52.7 0.00 6.07 0.00 0.00 6184 NUL NUL NUL L ER- 2074 08 5 350 1.93 43 L L L 9563 9563 5 2.36 83 4 791 0 0760 L L L BRU 4 4 NO ITZE OLL 6013 ES 1212 0.15 1488 121 527. 26 NUL NUL NUL 1977 1977 61.1 1445 376. 52.7 0.00 6.07 0.00 0.00 3060 NUL NUL NUL L 52b 2586 5 350 1.93 43 L L L 2563 2563 5 2.36 83 4 791 0 2075 L L L \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO Effltmnically Err Supermr Can”. nffialflmnha. Cunnw n! San Mater: Christopher D. Mandarich SB 220693 UN 5/24/2021 Ajay Sood SB325294 33 ME! shag Ifl Hayk Stambultsyan SB320973 Deputy Clark Amber Swearingen-Ojuri SB324653 Alejandro Blake SB336756 MANDARICH LAW GROUP, LLP P.O. Box 109032 Chicago, IL 60610 Phone: 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintifi”; CA VALRY SPVI, LLC, ASASSIGNEE OF CITIBANK, N.A. SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED CAVALRY SPV I, LLC, AS ASSIGNEE OF Case N0. 21 _CLJ_0291 6 CITIBANK, N.A., Plaintiff, COMPLAINT FOR: VS. 1. ACCOUNT STATED 2. OPEN BOOK ACCOUNT JOSE SABLAN, an individual; and DOES 1 through 10 inclusive. . Defendant. DEMAND- $6,224-10 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1.P1aintiff is and at all times herein mentioned, CAVALRY SPV I, LLC, AS ASSIGNEE OF CITIBANK, N.A., and successor in interest t0 original creditor, Citibank, N.A.. 2.Plaintiff 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 Street Dr Suite 400 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 0f charge-off is CitiBank, N.A., PO BOX 78045 Phoenix, AZ 85062-8045, and the account number associated with this debt is XXXXXXXXXXXX2984. 5.Plaintiff is informed and believes that Defendant are individuals who currently reside Exhibit "47" 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 0fthe debt is JOSE SABLAN, 1875 S Grant St #450, San Mateo, CA 94402-2666. 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 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 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 XXXXXXXXXXXX2984 (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 July 8, 2019. 15.Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected t0 pay amounts due 0n the Account. 16.The debt balance at charge-off was $6,224. 10, 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 $6,224.10. 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 $6,224.10 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 $6,224.10 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 $6,224.10, 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: 05/17/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-S 0f 5 QMM [X] Christopher D. Mandarich, Esq. Attorneysfor Plaintifl EXHIBIT A Citi® Diamond Preferred® Card JOSE SABLAN www.citicards.com Member Since 2017 Account number ending in: 2984 Customer Service BIlllng Perlod206/13/19-07/10/19 TTY-hearing-impaired services only- BOX 6500 SIOUX FALLS, SD 57117 JULY STATEMENT ACCPU'“ Summary Minimum payment due: $121.97 Prevrous balance $5,077.87 New balance as of 07/10/19: $5,261.41 Payments "$177.87 Payment due date: 08/08/19 cred'ts "$000 Seethe last pa e of this statement for important information about how to PurChases +5292‘44 avord paying In erest on purchases. Cash advances +$0,00 Fees +$0.00 Late Payment Warninqzlf we do not receive your minimum payment by the IntereSt +5689? date listed above, you may have to pay a late fee of up to $39 and your APRs New balance $5,261.41 may be increased up to the Penalty APR of 29.99%. Credit LimitMinimum 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 Credit limit $7,900 balance For example: Includes $2,400 cash advance limit 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 Ava'lable cred't 52’638 and each month you pay... statement in about... total of... Includes $2,400 available for cash advances 0nly the minimum payment 19 year(s) $11,946 $6,840$190 3 year(s) (Savings=$5,106) For information about credit counseling services, call -. Savings Spotliqht Your Diamond Preferred Lifetime Savings: $426.33 See page 3 to view your Savings Summary. L VALKER Pay your bill from virtually anywhere Minimum payment due $121.97with the Citi Mobile® App and Citi® Online New balance $5,261.41 To download: Text 'Appis'to Mycm (692484) Payment due date 08/08/19 or go to your device's app store. Or visit www.citicards.com Amount enclosed: oooooo MC oo A o Account number ending in 2984 JOSE SABLAN CITI CARDS 11810 PRESIDIO PATH PO BOX 78045 SAN ANTONIO TX 78253-5675 PhoenlX. AZ 85062'8045 lEEIEI‘l EIEILELEI? DEEELLIL EIEIL??E|E|'=IB'-l DEE”: www.citicards.com Customer Service - Page 2 Of 3 TTY-hearing-impaired services only -JOSE SABLAN Account Summary c EDD 3012 3451: 'ISQD Trans. Post date date Description Amount H Payments, Credits and Adjustments saVInqs Spotllqht 07/08 PAYMENT THANK You $177.87 Your Citi® Diamond Preferred® Savings SummaryStandard Purchases 06/15 06/15 WILD GOJI RESTAURANT SAN ANTONIO TX $55.00 From This Billing Period: 06/26 06/26 CHEWY.COM 800-672-4399 FL $87.14 I Interest: $2.47 06/27 06/27 HALLMARK CREATIONS #85 SAN ANTONIO TX $50.80 06/27 06/27 J ALEXANDER'S 02000180 SAN ANTONIO TX $15.00 06/30 06/30 CORNER STORE 1057 SAN ANTONIO TX $16.50 07/02 07/02 CORNER STORE 1057 SAN ANTONIO TX $68.00 Fees charged Total fees charged in this billing period $0.00 TOTAL Interest charged SAVINGS Date Description Amount ' I 07/10 INTEREST CHARGED TO STANDARD PURCH $68.97 Total interest charged in this billing period $68.97 2019 totals year-to-date Total fees charged in 2019 $0.00 Total interest charged in 2019 $68.97 - See Account MessagesIn r h r l l I n ~ ~ ~ ~ . .te eSt c a qe ca cu at o Days 'n b'II'ng CVC'e‘Ze for more Information about Your Annual Percentage Rate (APR)is the annual interest rate on your account. Savings Spoiqht Annual percentage Balance subject Balance type rate (APR) to interest rate Interest charge PURCHASES Cltl Easy DeaISSM Standard PurCh 000% $507787 (D) $000 To find out our current tier' (IntrOdUCtory Rate EXpIred 06/13/19) Visit citieasII/deals com or call theStandard PurCh l7~74% (V) $525585 (D) 368-97 number provided above. (Standard Purchase Rate After 06/13/19) ADVANCES standard Adv 27.49% (V) $0.00 (D) $0.00 Deals YOU can access: by t'eri 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 on gift cards and magazines l Minimum Annual Purchases: $500 l Base and Enhanced tier benefits l Plus deals on merchandise, travel and daily deals 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). » For complete details, go to citieasydeals.com www.citicards.com Customer Service - TTY-hearing-impaired services only -JOSE SABLAN Account messages Important changes are coming to some of your Card Benefits. The following is a summary of changes that are being made to your card benefits. Effective September 22, 2019, Worldwide Car Rental Insurance, Trip Cancellation & Interruption Protection, Worldwide Travel Accident Insurance, Citi® Price Rewind, and 9O Day Return Protection will be discontinued and will no longer be provided for purchases made on or after that date. Coverage for purchases made before that date will continue to be available, and you may continue to file for benefits in accordance with the current benefit terms. We are making these changes so that we can continue providing the key benefits that our customers use and value most at no additional cost. This change requires no action on your part. If you have any questions, please call the number on the back of your card. As a cardmember, you will continue to receive a range of other card benefits including FICO® Credit Score, Citi® Identity Theft Solutions, and Citi Entertainment. For more information on card benefits, visit cardbenefits.citi.com. 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. Please be sure to pay on time. If you submit your payment by mail, we suggest you mail it no later than 08/01/2019 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 Citi® Diamond Preferred® Card JOSE SABLAN www.citicards.com Member Since 2017 Account number ending in: 2984 Customer Service BIlllng Perlod201/11/20-02/12/20 TTY-hearing-impaired services only- BOX 6500 SIOUX FALLS, SD 57117 FEBRUARY STATEMENT ACCPUnt Summary Minimum payment due: $6,224.10 PreV'OUS balance 56'129'24 New balance as of 02/12/20: $6,224.10 Payments "$0.00 Payment due date: 02/12/20 cred'ts "$000 Seethe last pa e of this statement for important information about how to PurChases +5000 avord paying In erest on purchases. Cash advances +$0,00 Fees +$0.00 Late Payment Warninqzlf we do not receive your minimum payment by the IntereSt +594'86 date listed above, you may have to pay a late fee of up to $39 and your APRs New balance $6,224.10 may be increased up to the Penalty APR of 29.99%. Minimum Payment Warninqzlf you make only the minimum payment each cred't L'm't period, you will pay more in interest and it will take you longer to pay off your Credit limit $7,900 balance For example: Includes $2,400 cash advance limit If you make n0 additional You wi|| pay off the And you wi|| end up charges using this card balance shown 0n this paying an estimated and each month you pay... statement in about... total 0f... 0nly the minimum payment 1month(s) $6,224 For information about credit counseling services, call -. Savings Spotliqht Your Diamond Preferred Lifetime Savings: $426.33 See page 3 to view your Savings Summary. L VALKER Pay your bill from virtually anywhere Minimum payment due $6,224.10with the Citi Mobile® App and Citi® 0nline New balance $6,224.10 To download: Text 'App1s'to Mycm (692484) Payment due date 02/12/20 or go to your device's app store. Or visit www.citicards.com Amount enclosed: 000000 MC 32 A O Account number ending in 2984 JOSE SABLAN CITI CARDS 1875 S GRANT ST PO BQX 78045 11 450 Phoenix, AZ 85062-8045 SAN MATEO CA 94402-2666 lEEIEI‘l DEEELILEI DEEELILEI EIEIL??E|E| '=IB'-l DEBS www.citicards.com Customer Service - Page 2 Of 2 TTY-hearing-impaired services only -JOSE SABLAN Account Summary Trans. Post date date Description Amount Fees charged Total fees charged in this billing period $0~00 Interest charged Date Description Amount 02/12 INTEREST CHARGED TO STANDARD PURCH $94.86 Total interest charged in this billing period $9435 2020 totals year-to-date Total fees charged in 2020 $39.00 Total interest charged in 2020 $179.30 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 16.99% (V) $6,175.11 (D) $94.86 ADVANCES standard Adv 26.74% (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 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 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. CItI .‘i EDD 3012 B‘tSl: 'ISQD L WALKER Savings Spotlight Your Citi® Diamond Preferred® Savings Summary Citi Diamond Preferred Lifetime Savings I Interest: $426.33 See Account Messages for more information about Savings Spotlight KOOONQUILWNu-t NNNNNNNNNHHh-b-Hb-b-h-HH OOVQKJIJ>UJN~OKOOOQONM$UJNHO Christopher D. Mandarich SB 220693 Ajay Sood 33325294 Erci-Etrnuufifly Hayk Stambultsyan $3320973 k i _ _ “Illa; _ n” MlAmber Swearingen-Ojuri SB324653 I "H “F‘w' ' “"‘m "' "' Alejandro Blake 53336756 ”H 5/24/2021 MANDARICH LAW GROUP, LLP H1, Po. Box 109032 Chicago, 1L 60610 u-puucm 877.285.4918 Facsimile: 818.888. 1260 Attorneysfor Plaintifi’: 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 _CLJ_02924 Plaintiff, VS FILE BY FAX COMPLAINT FOR: 1. BREACH OF CONTRACT AHMADREZA AMIRI, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant. DEMAND; $21,968.46 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1. Plaintiff is and at all times herein mentioned, Velocity Investments, LLC, and successor in interest t0 original creditor, WebBank. 2. Plaintiff is the only entity that purchased the debt after charge-off and its name and address is as follows: Velocity Investments, LLC; 1800 Route 34N Suite 404A , Wall NJ 07719. 3. Plaintiff is a debt buyer, and is the sole owner 0f the debt at issue. 4. The charge-off creditor at the time of charge-off is Consumer Loan Underlying Bond (Club) Certificate Issuer Trus, 595 MARKET STREET #200, SAN FRANCISCO, CA 94105, and the account number associated With this debt is XXXXX5422. 5. Plaintiff is informed and believes that Defendant are individuals Who currently reside within the jurisdictional boundaries of the above entitled Court. Therefore, this Court is the proper Court for trial 0f this action. Exhibit "48" COMPLAINT-l 0f 5 KOOONONUILWNr-t NNNNNNNNNHh-h-b-Hb-h-th-HH OOVQKJIJ>UJN~OKOOOQONM$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 AHMADREZA AMIRI , 724 LAUREL AVE APT 301 , SAN MATEO, CA 9440. 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 XXXXX5422 (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, 2019. 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 0n the Account. 15. The debt balance at charge-off was $21,968.46, 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 $21,968.46. 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 $2 1 ,968 .46. 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 $2 1 ,968.46 has not been paid, and it is now due, owing and unpaid including attorney’s fees from Defendant to Plaintiff as successor in interest. COMPLAINT-4 0f 5 KOOONONUI-bUJNr-t NNNNNNNNNHh-kb-Ab-Ab-b-h-h-Hb-t OONQMJ>WN~O©OONONM$UJNHO WHEREFORE, Plaintiff prays for judgment against the Defendant as follows: 1. For the damages and money in the sum 0f $21,968.46, 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: 05/19/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-5 0f 5 r' . Q I; .u f gi f-|-" [X] Christopher D. Mandarich, Esq. Attorneysfor Plaintifl EXHIBIT A LoanlD: 100.422 This is a copy of an authoritative document Date Signed: 4/1/201 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 d ESE TERMS. cilitated through the Site. When you make a request, you agree ~ - ' ' . \ request, subject to your right to cancel the request before closing an ur rig eement means you agree to repay 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 LendingClub account. Any dispute with us, LendingClub 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. 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 Investors make their own decisions whether to invest in your loan. Finally, LendingClub may also choose to invest in all or part of your loan request, but is not obligated to do so. ceives e. ERE 0R (2) THAT l - * e for or all of your requested amount, or is declined, or i we 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 authoritative document is maintained by LendingClub Corporation and this copy was created Apr O2 2019 06:48:40 This is a copy of an authoritative document 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 re orting agency' iv no consumer re ortin a ency may make any consumer re ort containing any adverse item of information dating 'o OT BE PERMANENTLY REMOVED FROM THE Fl provide credit and debt counseling service are avai 7. Limited Power of Attorne l As a condition to receiving a loan 'om us, you hereby grant to LendingClub a limited power of attorney ("Power of Attorney") and appoint them and/or their designees as your true and lawful attorney-in-fact and agent, with full power ofsubstitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to: o Complete and execute the Loan Agreement and Promissory Note(s) in the form 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 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, however, ifa 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 and Promissory Note is executed on your behalf. Once the Loan Agreement and Promissory Note is signed by LendingClub or its designee acting as your attorney-in-fact, it is deemed executed on your poses of our pending loan n requests in the Ifyou choose tn request will be . 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 |S NOT COMPLEI' ED (LE. CONSUMMATED) UNTILYOUR ABILITY TO CANCEL YOUR LOAN APPLICATION HAS PASSED. YOU ACKNOWLEDGE THAT WE ARE MATERIALLY RELYING UPON THIS UNDERSTANDING |N 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 careIIIy 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 authoritative document is maintained by LendingClub Corporation and this copy was created Apr O2 2019 06:48:40 This is a copy of an authoritative document 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 12. Liability of the Borrower and Joint Applicant!CoBorrower is Joint and Several. The liability of anyjoint applicant/co-borrower under this Agreement and under the Loan Agreement and Promissory Note is in addition to and not in lieu ofthe obligations ofthe primary borrower. The joint applicant/co-borrower agrees to abide by the terms and conditions ofthis Agreement, the Loan Agreement and Promissory Note and any other agreement and documents as if an original signatory. I either L narketi g . . I Ralf, yo a 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 contact you in any way, including SMS messages (including text messages), calls using prerecorded messages or articial voice, and calls and messages delivered using auto telephone dialing system or an automatic texting system. Automated messages may be played when the telephone'Is answered, whether by you or someone else. In the event that an agent or representative calls, he or sh autodials) from u ' ' : ' : = ' : - provided to us, or numbers we c n rea o .‘nl associat ' , ' - ' ‘nrmation or provided to us - . . , 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 authoritative document is maintained by LendingClub Corporation and this copy was created Apr O2 2019 06:48:40 This is a copy of an authoritative document 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 Str v ~ ~ ' : es sen to any other address will not satisfy any legal require 'Eunder may be given by email to your registered e 1ed to have been duly given and effective upon transmission. nt Summary on the Site and that communications from us may c ‘ ' ' v . ' ' ' ' r registered email address changes, you must notify Lending ' _ tailing 888-596-3157. You also agree to update your registered residence address and telephone number on the Site ifthey change. 18. NO WARRANTIES. EXCEPT AS EXPRESSLY SET FORTH IN THIS AGREEMENT, WE MAKE NO REPRESENTATIONS OR WARRANTIES TO YOU, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. n_t 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. 21. Miscellaneous. The parties acknowledge that there are no third party beneciaries to this Agreement (other than LendingClub). Any waiver ofa breach of any provision ofthis Agreement will not be a waiver of any other subsequent breach. Failure or delay by either party to enforce any term or condition ofthis Agreement will not constitute a waiver ofsuch term or condition. Without limiting the foregoing, we may 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 Iture 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 'om 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 'om 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 authoritative document is maintained by LendingClub Corporation and this copy was created Apr O2 2019 06:48:40 This is a copy of an authoritative document 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 of - - - - rules co i'- ' ' ' - Provision or any countervailing law. If you ha v ion rules, you may call 1(800) 778-7879 or visit th r would like to obtain a copy ofthe JAMS arbitration rules, you se ofa conict between the rules ct to countervailing law, unless all d. Ifwe (or the subsequent holder) elect arbitration, we (or the subsequent holder, as the case may be) shall pay all the administrator's ling costs and administrative fees (other than hearing fees). If you elect arbitration, ling costs and administrative fees (other than hearing fees) shall be paid in accordance with the rules ofthe administrator selected, or in accordance with countervailing law if contrary to the administrator's rules. We (or the subsequent holder, as the case may be) shall 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 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 by the individual arbitrator that is not subject to appeal, and any panel award on appeal, shall be nal and binding, except for any appeal right under the Federal Arbitration Act ("FAA"), and may be entered as a judgment in any court of competent jurisdiction. f. We agree not to invoke our right to arbitrate an individual Claim you may bring in Small Claims Court or an equivalent court, if any, so long *ERTED) I ' g by all pa ividuals or n, no party to the entities in the v . e 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 authoritative document is maintained by LendingClub Corporation and this copy was created Apr O2 2019 06:48:40 This is a copy of an authoritative document 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. Loan Agreement and Promissory Note, even if already executed. Your access to or the functionality available at the Site may also be suspended or modied. B. Cancellation of Loan Agreement and Promissory Note Alter Funding YOU MAY CANCELTHE LOAN AGREEMENT AND PROMISSORY NOTE AT ANY TIME UP TO MIDNIGHT OF THE FIFI'H DAY AFI'ER THEE 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 EMPT TO WITHDRAW AN AMOUNT EQUALTO YOUR LOAN PROCEEDS WITHIN TEN (10) DAYS FOLLOWING YOUR REQUEST TO CANCEL. IF LENDER, OR ITS AGENT, IS UNABLE TO WITHDRAW SUCH AMOUNT AND YOU DO NOT OTHERWISE RETURN THE LOAN PROCEEDS WITHIN 30 DAYS, YOU WILL REMAIN RESPONSIBLE FOR PERFORMANCE OF ALL OBLIGATIONS‘E®AGQE@EHEONT The authoritative document is maintained by LendingClub Corporation and this copy was created Apr O2 2019 06:48:40 This is a copy of an authoritative document 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 ' - hereofu n ' annum. - . rate of (%) per Interest Calculation Method. ' ' r ' : ' . a h ofwhich is 30 days (or 30/360) long, regardless ifa month h installment of principal and, to the extent permitted by applicable l , calculated above. Payments. Principal and interest are to be paid during and throughout the period of months in the following manner: Payments of principal and interest in the amount of ($ ) Dollars are to be made bythe Borrower to the Lender commencing , 20_, and on the same day of each successive month thereafter until , 20_, when the full amount of unpaid principal, togetherwith unpaid accrued interest is due and payable. Ifthe monthly anniversary is on the 29th, 30th, or 3lst ofthe month, and the followin mont does not have a 29th 30th, or 3lst da the monthl a men will be due on the last d y ofthe month in fa di an th rest cas ent WI 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 United States. Borrower may not make payments in cash. Borrower agrees that Lender can accept late or partial payments, or payments marked "paid in full" or other restrictive endorsements, without losing its rights. 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, and account, r-u I ' ' ' ' : ’ . . ' r \ - ' - der to deliver loan proceeds o r ‘ I - I I . less for any alleged or actu l : I . v v : ' ‘ ' d Ac a nt to receive such proceeds ifsu- I I ' ' ‘.- , ' ' ' formation provided by B- . I - 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 begin 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. |f 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. |f 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 authoritative document is maintained by LendingClub Corporation and this copy was created Apr O2 2019 06:48:40 This is a copy of an authoritative document whether or not there are suicient 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. payment, is more than 15 u , to the extent permitted by fter 12:30 P.M_.,Mountain rizes Lender, and its successors Pre a ments and Partial Pa ments. Borrower may make any payment early, in whole or in part, without penalty 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 of any subsequent monthly payment, unless expressly agreed to in writing. |f Borrower prepays this Note in part, Borrower agrees to continue to make regularly scheduled payments until all amounts due under this Note are paid. Any regularly scheduled monthly installment of principal and interest that is received by Lender before the date it is due shall be deemed to have been received on wdu. utes . ufca -ating - r . : make 2 . u v the - - . ' ' ave futur ME o Default. Borrower may be deemed in default (each, an "Event of Default") of Borrower's obligations under this Note if Borrower: (1) fails to pay timely any amount due on the loan; (2) les or has instituted against it or any joint applicant/co-borrower any bankruptcy or insolvency proceedings or make any assignment for the benet of creditors; (3) commits fraud or makes any material misrepresentation in this Note, the Lender may re loan account t- . reected in Borrowers credit repo . 'orrower agrees to pay all costs o co lecting any ellnquen paymen fees, as permitted by applicable law. r may report that account may be , inc uding reasonable attorneys' 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 authoritative document is maintained by LendingClub Corporation and this copy was created Apr O2 2019 06:48:40 This is a copy of an authoritative document DISCLOSURES, WHICH CONSENT IS SET FORTH IN THE TERMS OF USE FOR THE SIT E. BORROWER EXPRESSLY AGREES THAT THE NOTE IS 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 '- ' ' ' - ’ ' ' = to any other third party, : Note and all associated each case to the registration ote inures to the successors, Borrower hereby waives demand, notice of non-payment, protest, and all other notices or demands whatsoever, and hereby consents that without notice to and without releasing the liability of any party, the obligations evidenced by this Note may 'om time to time, in whole or part, be renewed, extended, modied, accelerated, compromised, settled, canceled (as provided for in the Borrower Agreement) 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, 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:W 1785.3 ofthe 0 report, Borrow who furnished I : consumers on : CALIFORNIA I I . reecting on Borrower's credit record may be submitted to a credit reporting agency if Borrower fails to Illl 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(g), 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 authoritative document is maintained by LendingClub Corporation and this copy was created Apr O2 2019 06:48:40 This is a copy of an authoritative document 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. . - a st unless, prior to the time that the loan'Is approved, Lender'Is furnished with a copy ofthe marital property agreement, statement, or decree or have actual knowledge of the adverse provision. Ifthis loan for which Borrower is applying is granted, Borrower will notify Lender if Borrower has a spouse who needs to receive notication that credit has been extended to Borrower. WEST VIRGINIA RESIDENTS ONLY. For borrowers located in West Virginia, LendingClub'Is operating as a Credit Services Organization - "originati LendingClub's marketplace are originated by WebBank. LendingClub's CSO services are rendered within 180 days. Borrowers through LendingClub's platform do not pay LendingClub any money or consideration. LendingClub generates revenue in one or more ofthe following three ways: (1) transaction fees from WebBank; (2) servicing fees from investors; and (3) management fees from investment funds. Surety Notice: I have the rightt- Service Organi . bond is Intern u As required by 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 from 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 authoritative document is maintained by LendingClub Corporation and this copy was created Apr O2 2019 06:48:40 This is a copy of an authoritative document 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. 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 ' _: When are yourmde sc'rI§e§ |n this notice. l I All nan i ' : ers' pe c nal inform ti n to run tl e r eve ryday business. In the section below, w II n ies can s e their cu t rs' per al i rmation; the reasons WebBank chooses to h ' 'm limit this sh g. “i" Aim"; iii: e r; ” i II‘ . o 9 I -I:. . - . o . I For our everyday business purposes - such as to process your YES NO transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus For our marketing purposes- to offer our products and services YES NO “W097 ‘_I I_I I_I Ir jMIt ma kkting IIII h othI rmcihi opanie\\ /l .< 7 31 1 'l1 j/ ’Su‘mil‘iii Families:"ITS“ "‘77“°/\\ Iggugiggmoggavmmiw maLI IA I_I Iilo LI I_I I_I Weigi'tshIEI ‘I For our affiliates to market to you NO We don't share For nonaffiliates to market to you NO We don't share Call (888) 596-3157 or go to WIMN.lendingclub.comwith.» 4 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 from 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 authoritative document is maintained by LendingClub Corporation and this copy was created Apr O2 2019 06:48:40 This is a copy of an authoritative document 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 QQTWGDK i DMZNT The authoritative document is maintained by LendingClub Corporation and this copy was created Apr O2 2019 06:48:40 LoanlD: 100.422 This is a copy of an authoritative document Date Signed: 4/1/201 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 d ESE TERMS. cilitated through the Site. When you make a request, you agree ~ - ' ' . \ request, subject to your right to cancel the request before closing an ur rig eement means you agree to repay 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 LendingClub account. Any dispute with us, LendingClub 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. 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 Investors make their own decisions whether to invest in your loan. Finally, LendingClub may also choose to invest in all or part of your loan request, but is not obligated to do so. ceives e. ERE 0R (2) THAT l - * e for or all of your requested amount, or is declined, or i we 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 authoritative document is maintained by LendingClub Corporation and this copy was created Apr O2 2019 06:48:40 This is a copy of an authoritative document 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 re orting agency' iv no consumer re ortin a ency may make any consumer re ort containing any adverse item of information dating 'o OT BE PERMANENTLY REMOVED FROM THE Fl provide credit and debt counseling service are avai 7. Limited Power of Attorne l As a condition to receiving a loan 'om us, you hereby grant to LendingClub a limited power of attorney ("Power of Attorney") and appoint them and/or their designees as your true and lawful attorney-in-fact and agent, with full power ofsubstitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to: o Complete and execute the Loan Agreement and Promissory Note(s) in the form 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 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, however, ifa 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 and Promissory Note is executed on your behalf. Once the Loan Agreement and Promissory Note is signed by LendingClub or its designee acting as your attorney-in-fact, it is deemed executed on your poses of our pending loan n requests in the Ifyou choose tn request will be . 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 |S NOT COMPLEI' ED (LE. CONSUMMATED) UNTILYOUR ABILITY TO CANCEL YOUR LOAN APPLICATION HAS PASSED. YOU ACKNOWLEDGE THAT WE ARE MATERIALLY RELYING UPON THIS UNDERSTANDING |N 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 careIIIy 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 authoritative document is maintained by LendingClub Corporation and this copy was created Apr O2 2019 06:48:40 This is a copy of an authoritative document 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 12. Liability of the Borrower and Joint Applicant!CoBorrower is Joint and Several. The liability of anyjoint applicant/co-borrower under this Agreement and under the Loan Agreement and Promissory Note is in addition to and not in lieu ofthe obligations ofthe primary borrower. The joint applicant/co-borrower agrees to abide by the terms and conditions ofthis Agreement, the Loan Agreement and Promissory Note and any other agreement and documents as if an original signatory. I either L narketi g . . I Ralf, yo a 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 contact you in any way, including SMS messages (including text messages), calls using prerecorded messages or articial voice, and calls and messages delivered using auto telephone dialing system or an automatic texting system. Automated messages may be played when the telephone'Is answered, whether by you or someone else. In the event that an agent or representative calls, he or sh autodials) from u ' ' : ' : = ' : - provided to us, or numbers we c n rea o .‘nl associat ' , ' - ' ‘nrmation or provided to us - . . , 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 authoritative document is maintained by LendingClub Corporation and this copy was created Apr O2 2019 06:48:40 This is a copy of an authoritative document 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 Str v ~ ~ ' : es sen to any other address will not satisfy any legal require 'Eunder may be given by email to your registered e 1ed to have been duly given and effective upon transmission. nt Summary on the Site and that communications from us may c ‘ ' ' v . ' ' ' ' r registered email address changes, you must notify Lending ' _ tailing 888-596-3157. You also agree to update your registered residence address and telephone number on the Site ifthey change. 18. NO WARRANTIES. EXCEPT AS EXPRESSLY SET FORTH IN THIS AGREEMENT, WE MAKE NO REPRESENTATIONS OR WARRANTIES TO YOU, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. n_t 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. 21. Miscellaneous. The parties acknowledge that there are no third party beneciaries to this Agreement (other than LendingClub). Any waiver ofa breach of any provision ofthis Agreement will not be a waiver of any other subsequent breach. Failure or delay by either party to enforce any term or condition ofthis Agreement will not constitute a waiver ofsuch term or condition. Without limiting the foregoing, we may 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 Iture 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 'om 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 'om 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 authoritative document is maintained by LendingClub Corporation and this copy was created Apr O2 2019 06:48:40 This is a copy of an authoritative document 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 of - - - - rules co i'- ' ' ' - Provision or any countervailing law. If you ha v ion rules, you may call 1(800) 778-7879 or visit th r would like to obtain a copy ofthe JAMS arbitration rules, you se ofa conict between the rules ct to countervailing law, unless all d. Ifwe (or the subsequent holder) elect arbitration, we (or the subsequent holder, as the case may be) shall pay all the administrator's ling costs and administrative fees (other than hearing fees). If you elect arbitration, ling costs and administrative fees (other than hearing fees) shall be paid in accordance with the rules ofthe administrator selected, or in accordance with countervailing law if contrary to the administrator's rules. We (or the subsequent holder, as the case may be) shall 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 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 by the individual arbitrator that is not subject to appeal, and any panel award on appeal, shall be nal and binding, except for any appeal right under the Federal Arbitration Act ("FAA"), and may be entered as a judgment in any court of competent jurisdiction. f. We agree not to invoke our right to arbitrate an individual Claim you may bring in Small Claims Court or an equivalent court, if any, so long *ERTED) I ' g by all pa ividuals or n, no party to the entities in the v . e 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 authoritative document is maintained by LendingClub Corporation and this copy was created Apr O2 2019 06:48:40 This is a copy of an authoritative document 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. Loan Agreement and Promissory Note, even if already executed. Your access to or the functionality available at the Site may also be suspended or modied. B. Cancellation of Loan Agreement and Promissory Note Alter Funding YOU MAY CANCELTHE LOAN AGREEMENT AND PROMISSORY NOTE AT ANY TIME UP TO MIDNIGHT OF THE FIFI'H DAY AFI'ER THEE 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 EMPT TO WITHDRAW AN AMOUNT EQUALTO YOUR LOAN PROCEEDS WITHIN TEN (10) DAYS FOLLOWING YOUR REQUEST TO CANCEL. IF LENDER, OR ITS AGENT, IS UNABLE TO WITHDRAW SUCH AMOUNT AND YOU DO NOT OTHERWISE RETURN THE LOAN PROCEEDS WITHIN 30 DAYS, YOU WILL REMAIN RESPONSIBLE FOR PERFORMANCE OF ALL OBLIGATIONS‘E®AGQE@EHEONT The authoritative document is maintained by LendingClub Corporation and this copy was created Apr O2 2019 06:48:40 This is a copy of an authoritative document 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 ' - hereofu n ' annum. - . rate of (%) per Interest Calculation Method. ' ' r ' : ' . a h ofwhich is 30 days (or 30/360) long, regardless ifa month h installment of principal and, to the extent permitted by applicable l , calculated above. Payments. Principal and interest are to be paid during and throughout the period of months in the following manner: Payments of principal and interest in the amount of ($ ) Dollars are to be made bythe Borrower to the Lender commencing , 20_, and on the same day of each successive month thereafter until , 20_, when the full amount of unpaid principal, togetherwith unpaid accrued interest is due and payable. Ifthe monthly anniversary is on the 29th, 30th, or 3lst ofthe month, and the followin mont does not have a 29th 30th, or 3lst da the monthl a men will be due on the last d y ofthe month in fa di an th rest cas ent WI 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 United States. Borrower may not make payments in cash. Borrower agrees that Lender can accept late or partial payments, or payments marked "paid in full" or other restrictive endorsements, without losing its rights. 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, and account, r-u I ' ' ' ' : ’ . . ' r \ - ' - der to deliver loan proceeds o r ‘ I - I I . less for any alleged or actu l : I . v v : ' ‘ ' d Ac a nt to receive such proceeds ifsu- I I ' ' ‘.- , ' ' ' formation provided by B- . I - 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 begin 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. |f 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. |f 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 authoritative document is maintained by LendingClub Corporation and this copy was created Apr O2 2019 06:48:40 This is a copy of an authoritative document whether or not there are suicient 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. payment, is more than 15 u , to the extent permitted by fter 12:30 P.M_.,Mountain rizes Lender, and its successors Pre a ments and Partial Pa ments. Borrower may make any payment early, in whole or in part, without penalty 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 of any subsequent monthly payment, unless expressly agreed to in writing. |f Borrower prepays this Note in part, Borrower agrees to continue to make regularly scheduled payments until all amounts due under this Note are paid. Any regularly scheduled monthly installment of principal and interest that is received by Lender before the date it is due shall be deemed to have been received on wdu. utes . ufca -ating - r . : make 2 . u v the - - . ' ' ave futur ME o Default. Borrower may be deemed in default (each, an "Event of Default") of Borrower's obligations under this Note if Borrower: (1) fails to pay timely any amount due on the loan; (2) les or has instituted against it or any joint applicant/co-borrower any bankruptcy or insolvency proceedings or make any assignment for the benet of creditors; (3) commits fraud or makes any material misrepresentation in this Note, the Lender may re loan account t- . reected in Borrowers credit repo . 'orrower agrees to pay all costs o co lecting any ellnquen paymen fees, as permitted by applicable law. r may report that account may be , inc uding reasonable attorneys' 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 authoritative document is maintained by LendingClub Corporation and this copy was created Apr O2 2019 06:48:40 This is a copy of an authoritative document DISCLOSURES, WHICH CONSENT IS SET FORTH IN THE TERMS OF USE FOR THE SIT E. BORROWER EXPRESSLY AGREES THAT THE NOTE IS 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 '- ' ' ' - ’ ' ' = to any other third party, : Note and all associated each case to the registration ote inures to the successors, Borrower hereby waives demand, notice of non-payment, protest, and all other notices or demands whatsoever, and hereby consents that without notice to and without releasing the liability of any party, the obligations evidenced by this Note may 'om time to time, in whole or part, be renewed, extended, modied, accelerated, compromised, settled, canceled (as provided for in the Borrower Agreement) 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, 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:W 1785.3 ofthe 0 report, Borrow who furnished I : consumers on : CALIFORNIA I I . reecting on Borrower's credit record may be submitted to a credit reporting agency if Borrower fails to Illl 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(g), 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 authoritative document is maintained by LendingClub Corporation and this copy was created Apr O2 2019 06:48:40 This is a copy of an authoritative document 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. . - a st unless, prior to the time that the loan'Is approved, Lender'Is furnished with a copy ofthe marital property agreement, statement, or decree or have actual knowledge of the adverse provision. Ifthis loan for which Borrower is applying is granted, Borrower will notify Lender if Borrower has a spouse who needs to receive notication that credit has been extended to Borrower. WEST VIRGINIA RESIDENTS ONLY. For borrowers located in West Virginia, LendingClub'Is operating as a Credit Services Organization - "originati LendingClub's marketplace are originated by WebBank. LendingClub's CSO services are rendered within 180 days. Borrowers through LendingClub's platform do not pay LendingClub any money or consideration. LendingClub generates revenue in one or more ofthe following three ways: (1) transaction fees from WebBank; (2) servicing fees from investors; and (3) management fees from investment funds. Surety Notice: I have the rightt- Service Organi . bond is Intern u As required by 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 from 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 authoritative document is maintained by LendingClub Corporation and this copy was created Apr O2 2019 06:48:40 This is a copy of an authoritative document 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. 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 ' _: When are yourmde sc'rI§e§ |n this notice. l I All nan i ' : ers' pe c nal inform ti n to run tl e r eve ryday business. In the section below, w II n ies can s e their cu t rs' per al i rmation; the reasons WebBank chooses to h ' 'm limit this sh g. “i" Aim"; iii: e r; ” i II‘ . o 9 I -I:. . - . o . I For our everyday business purposes - such as to process your YES NO transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus For our marketing purposes- to offer our products and services YES NO “W097 ‘_I I_I I_I Ir jMIt ma kkting IIII h othI rmcihi opanie\\ /l .< 7 31 1 'l1 j/ ’Su‘mil‘iii Families:"ITS“ "‘77“°/\\ Iggugiggmoggavmmiw maLI IA I_I Iilo LI I_I I_I Weigi'tshIEI ‘I For our affiliates to market to you NO We don't share For nonaffiliates to market to you NO We don't share Call (888) 596-3157 or go to WIMN.lendingclub.comwith.» 4 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 from 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 authoritative document is maintained by LendingClub Corporation and this copy was created Apr O2 2019 06:48:40 This is a copy of an authoritative document 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 QQTWGDK i DMZNT The authoritative document is maintained by LendingClub Corporation and this copy was created Apr O2 2019 06:48:40 EXHIBIT B LolNo ID LOAN_| GREAT PRNCP PRNCP |NT_AC |NT_PA| |NT_BA FEE_AC FEE_PA FEE_BA LCFEE_ LCFEE_ LCFEE_ STATUS STATUS DUE_D DUE_A PULL_A RECEIV RECEIV CASE_| PULL_D PRNCP ROI TYPE ORIG_D POSTIN PEND PENDI PEND F D E_D _PAID _BAL CR D L CR ID L ACCR PAID BAL _D MT MT ED_D $D_AM D _ou‘r UE_D G_D Pang? 31PM ELM Lot19- 712016 4/3/2019 360.84 0.0000 466 466 0.0000 0.0000 0 0.0000 0.0000 0.0000 0.0000 17 5B/2019 5/3/2019 326.84 26.54 5I3I2019 826.84 5/2/2019 20000 0.I290 1 5/3/2019 5/3/2019 0 0 0 1100 7 22 6:21:32 6:26:20 12:00:00 6:57:39 12:00:00 2115 12:00:00 AM AM AM AM AM AM Lut19- 7287871 5/3/2019 0.0000 0.0000 457.592 0.0000 0.0000 41.34 0 0.0000 0.0000 0.0000 0.0000 16 7/3/2019 6/3/2019 826.84 326.04 0 5/31/201 19639.1 0.02287 1 6/3/2019 0 0 0 1100 7 22 4:33:59 4 4:20:53 12:00:00 9 5999999 B98403 12:00:00 AM AM AM 12:00:00 9 AM AM Lot19- 7455344 6/3/2019 0.0000 369.247 457.592 0.0000 457.592 0.0000 0 41.34 0.0000 0.0000 0.0000 16 8/3/2019 7/3/2019 1695.02 1695.02 0 7I2/2019 19639.1 1 7/3/2019 0 0 0 1100 5 22 4:36:05 6 4 4 4:08:52 12:00:00 12:00:00 5999999 12:00:00 AM AM AM AM 9 AM Lot19- 7621129 713/2019 0.0000 738.495 457.592 0.0000 915.184 0.0000 0 41.34 0.0000 0.0000 0.0000 16 9/3/2019 8/3/2019 2521.86 2521.86 0 8/2/2019 19639.1 1 8/3/2019 0 0 0 1100 2 22 4:25:02 1 4 9 4:25:54 12:00:00 12:00:00 5999999 12:00:00 AM AM AM 9 AM Lot19- 7787053 8/3/2019 0.0000 1107.74 457.592 0.0000 1372.77 0.0000 0 41.34 0.0000 0.0000 0.0000 16 10/3/201 9/3/2019 3348.7 3348.7 0 8/30/201 19639.1 1 9/32019 0 0 0 1100 6 22 4:14:43 27 4 73 9 12:00:00 5999999 12:00:00 AM 4:18:19 AM 12:00:00 9 AM AM AM Lot19- 7955169 9/3/2019 0.0000 1476.99 457.592 0.0000 1830.36 0.0000 0 41.34 0.0000 0.0000 0.0000 16 10/15/20 10/3/201 4175.54 4175.54 0 10/2/201 19639.1 1 10I3/201 0 0 0 1100 0 22 4:31:07 03 4 97 19 9 5999$9 AM 6:44:12 12:00:00 12:00:00 9 12:002w PM AM AM AM Lut19- 8131722 10/3/201 0.0000 1846.23 0.0000 0.0000 2287.96 0.0000 0 41.34 0.0000 0.0000 0.0000 19 10I15/20 11I3/201 0 5002.38 0 11I1/201 19639.1 -1 1 11I3I201 0 0 0 1100 9 22 9 79 21 19 5999999 4:22:24 6:44:12 12:00:00 12:00:00 9 12:00:00 AM PM 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 Erectrunlully Ajay Sood SB325294 Hayk Stambultsyan SB320973 hrfiuwwr-Iwmcnlwnu.cuunwamn Mum Amber Swearingen-Ojuri SB324653 DH 5/24/2021 Alejandro Blake SB336756 MANDARICH LAW GROUP, LLP 3"MWHEWL P.O. Box 109032 Chicago, IL 60610 Phone: 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintifi”; LWVVFunding LLC SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN MATEO - LIMITED LVNV Funding LLC, Case NO- 21 -CLJ-02938 Plaintiff, COMPLAINT FOR: VS, FILE BY FAX 1. ACCOUNT STATED Janusz Kerber, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant DEMAND: $4,774.34 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, Comenity Capital Bank. 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 Comenity Capital Bank, PO Box 182273 Columbus, OH 43218, and the account number associated With this debt is XXXXXXXXXXXXXX4428. 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 to 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 ofs EXh i bit "49" \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 Janusz Kerber, 551 BALTIC CIR , REDWOOD CITY, CA 94065-0000. 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 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 card application to the original creditor, Comenity Capital Bank or made such application over the telephone or Internet. Pursuant to the aforementioned application, Comenity Capital Bank provided Defendant With a credit account, and granted use privileges on the same, account number XXXXXXXXXXXXXX4428 (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 Comenity Capital 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 Comenity Capital 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 December 24, 2017. 15.Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected t0 pay amounts due 0n the Account. 16.The debt balance at charge-off was $4,774.34, 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 $4,774.34. 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, Comenity Capital 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 0f the Final Billing Statement and/or Transaction History. 23.Up0n opening the Account With Comenity Capital Bank, the Defendant(s) agree to reimburse Comenity Capital Bank, 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 $4,774.34 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 Comenity Capital Bank. Although demand has been made upon Defendant, said amount 0f $4,774.34 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 $4,774.34, 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: 05/19/2021 By: MANDARICH LAW GROUP, LLP QMM [X] Christopher D. Mandarich, Esq. Attorneysfor Plaintifl COMPLAINT-5 0f 5 EXHIBIT A Style. Selection. Savings. '0]overstockcom” PAGE 1 OF 4 Summary of account activity Payment information Account no. ****-****-****-4428 New balance $3,830.15 Minimum payment due $369.00 Previous balance $3,495.23 Payment due date 12/04/2018 Payments 0.00 _ Other credits 0.00 Late payment Wam'ng: I I Purchases 154-88 If we do not receive your mlnlmum payment by 12/04/2018 you may Other debits 0.00 have to pay up to a $38.00 late fee. Fees Charged 101 '71 Minimum payment warning: If you make only the minimum IntereSt Charged 78'33 payment for each period, you wi|| pay more in interest and it wi|| take New balance $3,830.1 5 you longer to pay off your balances. For example: PaSt due amount 176'00 If you make no additional You will pay off And you will Credit ”m“ $330000 charges using this card the balance shown end up paying an Available credit $000 and each month you pay: on the statement estimated total Statement closing date 11/08/2018 i” abm‘t: °f: Days in billing cycle 30 Only the minimum payment 8 years $7046 For information regarding credit counseling services, call -. charges. charges. You must pay the balance $101.95 of your Plan 406-00001 in full by Mar 22, 2019 to avoid paying accrued interest You must pay the balance $311.01 of your Plan 406-00002 in full by Mar 27, 2019 to avoid paying accrued interest Details of your transactions TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT 10/10/2018 OVERSTOCK PURCHASE - COLUMBUS-OH - Order Number 233608743, 233608743 154.88 Fees 11/04/2018 LATE FEE 27.00 11/08/2018 ACCOUNT ASSURE - 66.67 11/08/2018 ACCOUNT ASSURE - 1.98 11/08/2018 ACCOUNT ASSURE - 6.06 Total fees charged for this period $1 01 .71 Interest charged Interest charge on purchases $78.33 Total interest for this period $78.33 201 8 totals year to date Total fees charged in 2018 Total interest charged in 2018 $169.90 $78.33 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 28.9900% (V) 3,287.35 78.33 Plan 406-00001 DF |NT PY REQ 28.9900% (V) 101 .13 0.00 Plan 406-00002 DF |NT PY REQ 28.9900% (V) 308.49 0.00 NOTICE: See reverse side for important information. Please tear at perforation above Account number ****_~k~k~k~k_~k~k~k~k_4428 OverStOCk” New balance Minimum payment$3,830.1 5 $369.00 99 3 Yes, _I have moved or updated my e-mall address - see reverse. JANUSZ KERBER 551 BALTIC CIR REDWOOD CITY CA 94065 Payment must reach us by Amount enclosed: 6 pm ET on 12/04/2018. Please make check payable to: COMENITY - Overstock.com Illlllllllll Please return this portion along with your payment to: PO BOX 659450 SAN ANTONIO TX 78265-9450 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 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: 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 reflectedIn 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 informationIs 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. e No payment shall operate as an accord and satisfaction without prior written approval. CUSTOMER SERVICE. Visit comenity.net/overstock 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 -) to make a payment by telephone, which may include a fee. Online: You can make a payment online at comenity.net/overstock. 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). 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 PAGE 3 OF 4 Details of your plans 406-00001 You must pay your promotional balance of $101 .95 in full by 03/22/2019 to avoid paying accrued interest charges. ORIGINAL ORIGINAL PREVIous ACCRUED TOTAL PURCHASE PURCHASE PLAN PLAN PURCHASES PAYMENTS NEw PLAN INTEREST ACCRUED AMOUNT DATE EXPIRES BALANCE & CHARGES & CREDITS BALANCE THIS PERIOD INTEREST 101 .95 09/19/2018 03/22/2019 99.97 1.98 0.00 101 .95 2.41 4.04 406-00002 You must pay your promotional balance of $31 1 .01 in full by 03/27/2019 to avoid paying accrued interest charges. ORIGINAL ORIGINAL PREVIOUS ACCRUED TOTAL PURCHASE PURCHASE PLAN PLAN PURCHASES PAYMENTS NEw PLAN INTEREST ACCRUED AMOUNT DATE EXPIRES BALANCE & CHARGES & CREDITS BALANCE THIS PERIOD INTEREST 31 1 .01 09/24/2018 03/27/2019 304.95 6.06 0.00 31 1 .01 7.35 11.14 Additional important messages In case you’ve overlooked it, we want to remind you that we have not received the minimum payment due. If you've already made your payment, thank you. If not, you can simply visit our online Payment Help Center today at comenitynet/paymenthelp to schedule your payment, or to make a payment over the phone using your bank account, call - (TDD/TTY -). We value you as a customer and want to thank you for your business. GO PAPERLESS and manage your account online! With paperless billing, you receive an email reminder prior to your payment due date. Get started today by visiting comenity.net/overstock STEP 1: Sign in or register your account. STEP 2: Select Go Paperless and sign up. Protect yourself against mail and phone consumer fraud. http://about.usps.com/publications/pub281/we|come.htm PAGE 4 OF 4p -S EXHIBIT B Summary of account activity PAGE1 OF 4 Payment information Account no. ****-****-****-4428 New balance $4,774.34 Minimum payment due $1 ,689.00 Previous balance $4,620.05 Payment due date 06/04/2019 Payments 0.00 _ Other credits 0.00 Late payment Wam'ng: I I Purchases 0.00 If we do not receive your minimum payment by 06/04/2019 you may Other debits 0.00 have to pay up to a $38.00 late fee. Fees Charged 38'00 Minimum payment warning: If you make only the minimum IntereSt Charged 11629 payment for each period, you will pay more in interest and it will take New balance $4,774.34 you longer to pay off your balances. For example: PaSt due amount 1’450'00 If you make no additional You will pay off And you will Credit ”m“ $330000 charges using this card the balance shown end up paying an Available credit $000 and each month you pay: on the statement estimated total Statement closing date 05/09/2019 i” abm‘t: °f: Days in billing cycle 31 Only the minimum payment 9 years $9069 For information regarding credit counseling services, call -. Details of your transactions TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT _ Fees 05/04/2019 LATE FEE 38.00 Total fees charged for this period $38.00 Interest charged Interest charge on purchases $1 1 6.29 Total interest for this period $1 1 6.29 201 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. $190.00 $552.22 TYPE OF BALANCE SUBJ ECT INTEREST BALANCE APR TO INTEREST RATE CHARGE Purchases 29.2400°/o (V) 4,683.36 116.29 Additional important messages Important Reminder: Promotional plan expiration dates and payment due dates may be different. If you have previously made purchases with this credit card using a promotional plan, or might do so in the future, this information applies to you. In the past, we haven’t always stopped the promotional terms immediately after a promotional plan expires. However, we will begin doing so effective 6/1/201 9. This means that if you have a remaining (CONTINUED) NOTICE: See reverse side for important information. Please tear at perforation above Account number ****_~k~k~k~k_~k~k~k~k_4428 New balance Minimum payment'0] overstock 4444444 44444 99 4 Payment must reach us byYes, I have moved or updated my 6 pm ET on 06,04,2019e-mail address - see reverse. Am°unt °"°'°sed: Please make check payableto: H.l”I|.|llIII.HIIll”ll.H..lIllIIIH..I||.....Il.....|”|n COMEN'W'OverS‘OCK'com JANUSZ KERBER 551 BALTIC CIR REDWOOD CITY CA 94065 Please return this portion along with your payment to: PO BOX 659707 SAN ANTONIO TX 78265-9707 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 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: 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 reflectedIn 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 informationIs 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. e No payment shall operate as an accord and satisfaction without prior written approval. CUSTOMER SERVICE. Visit comenity.net/overstock 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 -) to make a payment by telephone, which may include a fee. Online: You can make a payment online at comenity.net/overstock. 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). 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 PAGE 3 OF 4 Additional important messages continued promotional plan balance after the expiration date, you will see the balance and any accrued interest (if applicable) has been moved to your regular revolving plan on the billing statement following the change. How to avoid or minimize interest charges: Be sure to pay promotional plan balances in full on or before the expiration date(s). Please keep an eye out for notifications when your plans are nearing their expiration dates - you’ll see them in the red box on page 1 of your statement. lf you have questions, please call us toll-free at 1-- (TDD/TTY:-). To learn more about how promotional plans work, visit comenity.com/financial-education. We’re always happy to help. 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. lf 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 1-855-617-8089 (TDD/TTY -) and we will find a suitable payment before the end of this month. lf 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. How can you take charge against ID Theft? Visit idtheft.gov to find out. PAGE 4 OF 4p -S \OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO _ _ Electrunically Chrlstopher D. Mandarlch SB 220693 FILE Ajay Sood SB325294 hySup-emzw Cum Hf Callfn-rn'a. Cu-uni'y Df‘ian Mama Hayk Stambultsyan SB320973 DH 5/28/2021 Amber Swearingen-Ojuri SB324653 B Alejandro Blake 53336756 fi-mflfagfl'm- MANDARICH LAW GROUP, LLP P.O. BOX 109032 Chicago, IL 60610 Phone: 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintifi”; 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-02989 Plaintiff, COMPLAINT FOR: VS. 1. ACCOUNT STATED FRANK P WONG, an individual; 2. OPEN BOOK ACCOUNT and DOES 1 through 10 inclusive. Defendant. DEMAND; $7,593.07 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 t0 original creditor, CITIBANK, N.A.. 2.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. 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., 5800 SOUTH CORPORATE PLACE SIOUX FALLS, SD 57108, and the account number associated with this debt is XXXXXXXXXXXX5584. 5.Plaintiff is informed and believes that Defendant are individuals who currently reside Exhibit "50" 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 FRANK P WONG, 1210 CANTERBURY RD , HILLSBOROUGH, CA 94010-7126. 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 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 card application to the original creditor, CITIBANK, NA. or 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 XXXXXXXXXXXX5584 (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 \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, NA. 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 January 29, 2019. 15.Within the last four years, the Defendant failed t0 make payments as agreed 0n the Account. Defendant has failed, refused and neglected t0 pay amounts due 0n the Account. 16.The debt balance at charge-off was $7,708.67, 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 $7,593.07. 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 \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 $7,593.07 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 CITIBANK, N.A.. Although demand has been made upon Defendant, said amount of $7,593.07 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 $7,593.07, 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: 05/25/2021 By: MANDARICH LAW GROUP, LLP COMPLAINT-S 0f 5 QML/ ]Christopher D. Mandarich, Esq. Attorneysfor Plaintifl” EXHIBIT A Costco Anywhere Visa® Card by Citi FRANK P WONG Member Since 2016 Account number ending in: 5584 Billing Period: 01/03/19-02/04/19 FEBRUARY STATEMENT Minimum payment due: $1 75.41 New balance as of 02/04/19: $6,746.28 Payment due date: 02/28/19 Seethe. back of this statement for important information about how to avoid paying Interest 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 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 21 years $15,425 $8,712$242 3 Years (Savings = $6,71 3) For information about credit counseling services, call 1-877-337-8187. Pay your bill from virtually anywhere with the Citi Mobile® App and Citi® Online To download: Text 'App15' to MyCiti (692484) or go to your device's app store. Or visit www.citicards.com www.citicards.com Customer Service 1-855-378-6467 TTY-hearing-impaired services only 1-866-210-0617 PO Box 790046 ST. LOUIS, MO 63179-0046 Account Summary Previous balance $6,982.98 Payments $550.00 Credits -$0.00 Pu rchases +$204.89 Cash advances +$0.00 Fees +$0.00 Interest +$108.41 New balance $6,746.28 Credit Limit Credit Limit $7,340 Includes $0.00 cash advance limit Available Credit Limit $593 CItI' EOE .i’ 4100 390i 2345 6789Costco Cash , Rewards Summary Vise as of 02/04/19 $16.31 » See page 3 for more information about your rewards Minimum payment due $175.41 New balance $6,746.28 Payment due date 02/28/19 Amount enclosed: 000000 NC 00 A 0 FRANK P WONG 1210 CANTERBURY RD HILLSBOROUGH CA 94010-7126 Account number ending in 5584 Citi Cards PO BOX 7801 9 Phoenix, AZ 85062-801 9 www.citicards.com Customer Service 1-855-378-6467 Page 2 of 3 TTY-hearing-impaired services only 1-866-210-0617FRANK P WONG CARDHOLDER SUMMARY FRANK P WONG Card ending in 5584 New Charges $204.89 ACCOUNT SUMMARY Sale Post Date Date Description Amount Payments, Credits and Adjustments 01/06 PAYMENT THANK YOU $200.00 01/28 PAYMENT THANK YOU $300.00 01/29 PAYMENT THANK YOU $50.00 FRANK P WONG Standard Purchases 01/28 01/28 TARGET 00011221 SAN MATEO CA $81.93 01/28 01/28 SHELL OIL 57444216303 SAN FRANCISCOCA $61.37 Purchases Prior to 01/23/19 01/09 01/09 SHELL O|L 57444214704 SAN MATEO CA $61.59 Fees Charged TOTAL FEES FOR THIS PERIOD $0.00 Interest Charged 02/04 INTEREST CHARGED TO STANDARD PURCH $0.55 02/O4 INTEREST CHARGED TO PUR PR-O1/23/19. $107.86 TOTAL INTEREST FOR THIS PERIOD $108.41 2019 totals year-to-date Total fees charged in 2019 $37.00 Total interest charged in 2019 $195.54 Interest charge calculation Your Annual Percentage Rate (APR)is the annual interest rate on your account. Days in billing cyc|e233 Annual percentage Balance subject Balance type rate (APR) to interest rate Interest charge PURCHASES Standard Purch 17.49% (V) $34.80 (D) $0.55 Pur Pr 012319 17.49% (V) $6,820.94 (D) $107.86 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 Important: To receive a credit card reward certificate you must have earned more than $1 in rewards through your December 2018 statement closing date and your account must be open at the time your certificate is issued in February. Remember, any charges above your credit limit MUST BE PAID IN FULL by your statement's payment due date. CItI‘ EOE 4100 3901 2345 6789Costco Cash Rewards Summary Total Costco Cash Rewards Balance: $16.31 Costco Cash Rewards Summary Costco Cash Rewards balance as of last statement +$10.58 Earned this period +$5.73 Total Costco Cash Rewards Balance Year To Date: $16.31 Costco Cash Rewards Earned This Period 4% on eligible gas worldwide, including gas at Costcol +$4.91 3% on restaurants +$0.00 3% on eligible travel worldwide +$0.00 2% on Costco and Costco.com +$0.00 1% on a|| other purchases +$O.82 Total Earned: $5.73 » Visit citi.com/Costco for more information 1Up to $7,000 per year in purchases, then 1% cash back www.citicards.com Customer Service 1-855-378-6467 TTY-hearing-impaired services only 1-866-210-0617FRANK P WONG Please be sure to pay on time. If you submit your payment by mail, we suggest you mail it no later than 02/21/2019 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. Visa(R) is a registered trademark of Visa International Service Association. Page 3 of 3 EXHIBIT B Costco Anywhere Visa® Card by Citi FRANK P WONG Member Since 2016 Account number ending in: 5584 Billing Period: 07/03/19-08/02/19 AUGUST STATEMENT www.citicards.com Customer Service 1-855-378-6467 TTY-hearing-impaired services only - PO Box 790046 ST. LOUIS, MO 63179-0046 Your account is past due. Please pay at least the minimum payment due, whichMinimum payment due: $1,709.27 ~ New balance as of 08/02/19: $7,593.07 'annc21$?ranajggitaogjzngfgf22984 and Payment due date: 08/28/19 ' ' Seethe. back of this statement for important information about how to avoid paying Interest on purchases. Account Summary Previous balance $7,442.71 Payments -$0.00 Late Payment Warning: If we do not receive your minimum payment by the date Credits -$0.00 listed above, you may have to pay a late fee of up to $39 and your APRS may be Pu rchases +$0.00 increased up to the Penalty APR of 29.99%. Cash advances +$0.00 . . . . . Fees +$39.00Mlnlmum payment warnlng:|f you make only the minimum payment each . . . . . . Interest +$111.36 period, you Will pay more in interest, and it Will take you longer to pay off your balance. For example: New balance $7,593.07 If you make no additional You will pa offthe balance And you will end up Credit Limit charges using this card shown on t e statement in paying an estimated total . . . and each month you pay... about... of... Credit Limit $7,340 Includes $0.00 cash advance limit Only the minimum payment 20 years $1 5,290 For information about credit counseling services, call -. Pay your bill from virtually anywhere Minimum payment due $1 ,70927with the Citi Mobile® App and Citi® Online New balance $7,593.07 To download: Text .App15. to MyCiti (692484) Payment due date 08/28/19 or go to your device's app store. Or visit www.citicards.com Amount enclosed: 000000 NC 32 A 0 Account number ending in 5584 FRANK P WONG Citi Cards 1210 CANTERBURY RD PO BQX 78019 HILLSBOROUGH CA 94010-7126 PhoenlX, AZ 85052-8019 lElEI‘l DLWJEIE'? 075930? EIEIEISEIEIEI DELE www.citicards.com Customer Service 1-855-378-6467 TTY-hearing-impaired services only -FRANK P WONG CARDHOLDER SUMMARY FRANK P WONG Card ending in 5584 New Charges $0.00 ACCOUNT SUMMARY Sale Post Date Date Description Amount FRANK P WONG No Activity Fees Charged 08/02 LATE FEE - JUL PAYMENT PAST DUE $39.00 TOTAL FEES FOR THIS PERIOD $39.00 Interest Charged 08/02 INTEREST CHARGED TO STANDARD PURCH $111.36 TOTAL INTEREST FOR THIS PERIOD $111.36 2019 totals year-to-date Total fees charged in 2019 $271.00 Total interest charged in 2019 $808.33 Interest charge calculation Days in billing cyciezsi 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) $7,496.46 (D) $111.36 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 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 be sure to pay on time. If you submit your payment by mail, we suggest you mail it no later than 08/21/2019 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. Visa(R) is a registered trademark of Visa International Service Association. Page 2 of 2
