Complaint Limited Filed by Assignee 5KCal. Super. - 6th Dist.April 26, 2021\OOOflQUl-RUJNu-i NNNNNNNNNr-tr-tr-tr-tr-tr-tr-tr-tr-tr-t OOQONUl-RUJNt-‘OKOOOflaUl-bUJNHO E-FILED 4/26/2021 4:07 PM Christopher D. Mandarich SB 220693 C'erk 9f court Ajay good 33325294 Superlor Court of CA, Hayk Stambultsyan SB320973 County Of Santa Clara Amber Swearingen-Ojuri SB324653 21 CV381 054 MANDARICH LAW GROUP, LLP - . - 13.0. Box 109032 Chicago, 1L 60610 ReV'ewed By' M' Dom” Phone: 877.285.4918 6318139 Facsimile: 818.888.1260 Attorneysfor Plaintifl: CA VALRY SPVI, LLC, ASASSIGNEE 0F CITIBANK, N.A. SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SANTA CLARA - LIMITED CAVALRY SPV I, LLC, AS ASSIGNEE OF Case N0. 21 CV381 054 CITIBANK, N.A., Plaintiff, COMPLAINT FOR: VS. 1. ACCOUNT STATED 2. OPEN BOOK ACCOUNT STEPHANIE BARTOLOME, an individual; and DOES 1 through 10 inclusive. Defendant DEMAND: $2,671.07 Plaintiff alleges: FACTS COMMON TO ALL CAUSES OF ACTION 1.Plaintiff is and at all times herein mentioned, CAVALRY SPV I, LLC, AS ASSIGNEE OF CITIBANK, N.A., and successor in interest to original creditor, Citibank, N.A.. 2.P1aintiff is the only entity that purchased the debt after charge-off and its name and address is as follows: CAVALRY SPV I, LLC, AS ASSIGNEE OF CITIBANK, N.A. 500 Summit Lake Drive Valhalla NY 10595. 3.P1aintiff is a debt buyer, and is the sole owner of the debt at issue. 4.The charge-off creditor at the time of Charge-off is CITIBANK,N.A., 5800 SOUTH CORPORATE PLACE SIOUX FALLS, SD 57108, and the account number associated With this debt is XXXXXXXXXXXX7015. 5.P1aintiff is informed and believes that Defendant are individuals Who currently reside COMPLAINT-l of 5 guez \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 STEPHANIE BARTOLOME, 406 KENISTON AVE , MILPITAS, CA 95035-4819. 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 0n the same, account number XXXXXXXXXXXX7015 (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 June 1, 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 $2,671.01, 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 $2,671.07. 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 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 $2,671 .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) 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 $2,671.07 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 $2,671.07, 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: 04/1 8/2021 By: MANDARICH LAW GROUP, LLP (%wik [X] Hayk Stambultsyan, Esq. Attorneysfor Plaintifl’ COMPLAINT-S 0f 5 EXHIBIT A Account Statement Send Notice of Billing Errors and Customer Service Inquiries to: JEWELERS RESERVE CARDGGUStomer serVIce: . PO Box 6403, Sioux Falls, SD 571 17-6403 OwwaewelersReservaaooountonllnaoom .Account Inquiries: R E S E R V E .1-888-272-0739 F _ _ W F Summary of Account Actlwty Payment Information PreVIous Balance $1 ,882.34 New Balance $1 ’832'34 Payments , "$5000 Minimum Payment Due $27.00 Other cred'ts _$O'OO Pa ment Due Date Jul 8 201 7 Purchases +$0.00 y y ’ Cash Advances +$0,00 Late Payment Warning: If we do not receive your minimum payment by the Fees Charged +$0_00 date listed above, you may have to pay alate fee up to $37. Interest Charqed +$0.00 Minimum Payment Warning: If you make only the minimum payment each New Ba|ance $1 B3234 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 off the And you win charges using this card balance shown on this end up paying an and each month you pay... statement in abaut... estimated total of,.. FCredit Limit $2 000.00 W Only the minimum payment 16 years $8,480 Available Credit $1 67.00 $95 3 $3,423 . . . years . _ Amount Over Credit LImIt $0.00 (saV’ngs-$5’057) Statement Closinq Date 06/1 1/201 7 It you would like information about credit counseling services, call 1-877-337-8187. Next Statement Closinq Date 07/12/2017 kDays in Billing Cycle 30 J k J You must pay your promotional balance of $1 50.00 in full by 07/09/17 to avoid paying deferred interest charges. You must pay your promotional balance of$600.00 in full by 11/08/17 to avoid paying deferred interest charges. You must pay your promotional balance of$1,082.34 in full by 05/08/19 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 06/01 PAY-BY-PHONE PAYMENT DEERFIELD |L P9194004TETFH97G0 $ 50.00- FEES TOTAL FEES FOR THIS PERIOD $ 0.00 Pay online any time, any device. www.JewelersReserve.accountonline.com A1 6 PLEASE SEE IMPORTANT INFORMATION ON PAGE 2. Page1 of 4 This Account is Issued by Citibank, N.A. ¢ Please detach and return lower portion with your payment to insure proper credit. Retain upper portion for your records. ¢ E W8E EL E RS YourAccountNumberis -7015 R V E Payment Due Date July 8, 2017 Po Box 790394 . . New Balance 1,832.34ST- LOU'Sv MO 63179 Pay your bIll and more Vla your $ Accou nt Online Past Due Amount $0.00 Minimum Payment Due $27.00 statement Enclosed www.JewelersReserve.accountonline.com L Amou ht Enclosed: L $ Please print address changes on the reverse side. Make Checks Payable tov JEWELERS RESERVE CARD STEPHANIE BARTOLOME PO BOX 9001006 406 KENISTON AVE LOUISVILLE, KY 40290-1006 MILPITAS, CA 95035-4819 Enfarmafion Amm Yaw Amwm, How “m Avoid Paying mtarwfik am Pumhagea Your" payment due date is at teast 25 days after" the Ciese 0f each Wing cycieg W9 WW not Charge? you aw Werest (m purchases if you pay your" New Batamce by the payment due date each month” This Es catted a grace perfed 0n purchasea T0 get a grace geriod cm purchaseg yam must pay the New Bahama by the pavmemt due date evew bitfimg cvda We WW begin Charging Weresk 0m cash advames (if avaitabte 0n yaw" account} on the tramsacfitmfl date. If you have a batamce subject to a deferred Wieresfi 0r" 0% APR promotion ahd that pmmotim dates mi". expire baffle the paw‘fient due date, that bataflce (an ”excmdefl batance”) is excmded from the? amoumt you must pay m W to get a grace period m a pwchase bafiamce ether" than an exduded batsmen However", you must SW pay any separatety rewired payment 0h the excmded batamceg m taming cycfies m which payments are at&ocated t0 deferred Werest baiamws firsts the defewed interest bstamce WW be reduced befme aw Other" bafiance om the account Hawever; yeu Wm contime t0 get a grace period cm purchaseg other" thaw am exduded baiaflce, so 50m} as yen pay the New Batamce (Sass am; exduded bafiamces mus am; segaretety required payment 0n ah exduded hatama} m W by the pavmem due date éam WNW; cydeg W9 may refer" t0 defewed interest pmmctims as N0 Interest m" N0 Monfihfiy interest pmmctimg m sddifiom certain pmmotiomat offers may take away the grace period m purchasea Other" momoflomt offers mot désmbed shave may 3250 SHOW WU t0 have a grace period 0m pumhases without havmg t0 pay an 0r" a portiom 0f the pmmofiona? bafiame by the payment due date. if either" is the caseg the momofiona! offer" Wm describe what happens” Haw We (taflwmm Yaw“ Bahama Subway: to Enmmgt Ram. For" each baiamce, the ie‘t‘ter fotfiowmg the Amuat Percentage Rate m the Werest Charge Cafiwiatiom sectim (m the front 0f the statemeflt mdica‘tes the method we use m catcutate interest Charges” Fm" Methods B and Es we use an average dam; bafiamce metmd (mcmdmg wwemt transactions} t0 catwfiate interest Charges. Far" Methods Cs D and Ms we use a dam batance method (mctudmg current transactions} m caicuiate migrest Charges. To fmd out more informatiom about the batsmce computatim methed that apmes t0 yam" account and how the remitting Wares! Charges weré de‘terr‘nmed, comtact us at the Acmumt [magnifies number" 0m the fmmh mhm Amoum and Paymant Enfor'matmn, Favmwt Amount. You may pay 3H 0r" part 0f yew" acwunt baiamce at am; time. However; you must pays by the payment flue dates at Eeast the mmm‘mr‘n payment due” PLEASE SEE IMPORTANT INFORMATION ON PAGE 4 Wham Yam“ Paymwt WM Ba Creamed» If we receive vow" payment m pmper form at 0m" mccessmg fawn; by 5 puma £0032 time there: E‘t WW be credited as 0f that day” A paw‘fiem‘t received there m proper" form after" that time Wm be credited as of the mext day” MOW 5 t0 Y days for payments by regmar msit m reach us” There max; be a daisy 0f up to 5 days m creditiw a payment we receive that is mot m proper form 0r" Es mot sent t0 the correct address, The wrrect address fer" magma?" mai? is the address 0m the fmflt 0f the payment coupon” The CNVeC‘t address fm" courier" 0r" express maifi is the Express Mai) Address Shawn Er: the Express Mai? section Fromm“ Form, For" a payment semi by mait m" courier" t0 be m prewar" fem you must: a Emmgfi a V'afiid Check 0r" mmey 0rderz N0 cash, gift cardsg 0r" fomigfl currency pteaseg a mama yaw" flame? afld the tast four" digits of vow" accmmt mmber: Wymam 0mm“ Than fly Mam. a SHMSMM (Wham Avafiflamm» Am; payment m meme?" farm accemed im~sifiore WW be cradi‘ted as 0f that day” However; credit avaifiabiiiw may be subject m verification 0f flmds. Net 3H star"es accept paymenm Cmtact your" Socafi store t0 see if msteré psymemts are accepted at that mca‘tim. ° mama» Go m the URL 0h Page 1 0f your" statement t0 make a payment Fm" security reagent; you may not be am? t0 pay yew" entire New Batame the first time you make a Qayment mime” The payment cutoff time for Omme 8m Pavmem‘ts Es midnight Eastern time. This means that we Wm credit your" accoum as of the catemdar days based om Eastern tima that we receive your" payment VQQUQS‘L a AUMPWE Eign up at Acwmt Omme t0 have yam" paymem amount autor‘na‘ticaw deducted each momth from the accomifi VOL; Cheese” Wm?" card account WW be credited (m the due date with that amount a Pham» CaH the meme mmber” om Page? 0f your" statement to make a payment” We may process your" payment eiectmmcaw after" we verify yew" identity” The payment cutoff time for" Phone Payments Es midrflght Eastern time. This means that we WEN credit your" account as of the catemdar" days based (m Eastem Uma that we Héceive yam" payment vaguest, a Expmgs Mam» Send psymemt by murier 0r" express mai? m: Arm: Cmsumer” Payment Dept? 6716 Grade Lanes Buitdim} 9. 3mm 910, Louisvififies K‘f 40213” Payment must be received m pmper” farm at the proper" address by 5 pm Eastern time t0 be credited as 0f that day” AH payments received m proper" form at the pmpér address after" that time Wm be credited as 0f the next day” W WE) mud aw aflfiqihm check wfi‘kh Wig paymani: cannon, yam awkhm‘iza m t0 mmpflem yaw navmam by fiflecflwnic debit. 5f W; cm, ma chmkfing accwm Wm he dammed En “me amount on “km mack» Waa may gm “mm gag gmm ag ma day wa mmiw the chewing» Am», thfi chmk Wm m dwtmyed» RPLGQ DEC15 A1 -9194-O606-OOO1-//-OO-OOO- -//- -O- -81 -//-P-B- - O-Y-//-O- - -O-O -//-O1/13/17-O7/O1/16-11 -May12,2017 N- - - -//-o- -FF28-v-//- - -o- o- - -//- - - - Page 2 of 4 Please provide change of address and update/add your phone numbers‘here: {Um b21463 m blaazxma ir‘EM ‘Phone: By giving us a cell number or a number laterconverted 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. Annual Salary and WagesT: *Annual Salary & Wages: Examples include interest, dividends, rental income, or retirement benefits. If you are 21 or older, you may include income from others that you can reasonably access to pay your bills. Other Annual IncomeT: TOther Annual Income: Alimony, child support or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for Monthly Mortgage or Rent Payment: repaying this obligation. Account. **** **** **** 701 5 TRANSACTIONS (cont) Trans Date Description INTEREST CHARGE_D TOTAL INTEREST FOR THIS PERIOD Reference # Amount Total Fees Charged in 2017 $0.00 Total Interest Charged in 2017 $0.00 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 NO INT FOR 12MOS-PMT REQ $1 ,400.00 07/02/16 $200.00 $50.00- - - $1 50.00 - $225.01 07/09/17 NO INT FOR 12MOS-PMT REQ $600.00 10/10/16 $600.00 - - - $600.00 - $131 .42 11/08/17 NO INT FOR 24MOS - MO PYMT REQ $1 ,082.34 04/08/17 $1 ,082.34 - - - $1 ,082.34 - $58.83 05/08/19 TOTAL $1 ,882.34 $50.00- $0.00 $0.00 $1 ,832.34 $0.00 $41 5.26 INTEREST CHARGE CALCULATION PURCHASES REGULAR NO INT FOR 12MOS-PMT R NO INT FOR 12MOS-PMT R NO INT FOR 24MOS - MO PYMT R = Variable Rate 29.74% 29.74% 29.74% 29.74% Your Annual Page 3 of 4 Rate is the annual interest rate on aCCOUnt. 6:de me‘fimq mgwmg» If you ‘thmk‘ we r"epor”ted inaccurate inforr‘naflon t0 a médit bureau write us at the Customar” Eervice address shown 0m Page 1. Repmrt a Lam or 3mm“ (2am immedmmm Ca): the Acwmt Imuifles mmber shown 0h Page L What ”m Bo W Wm Find A Migtakfi {En Yaw fitafikfimwt If yam WW there is am army" on your" statemeflt, write t0 us aft the address for" hitting errms and customer" service imuifles shcwm om Page 1 0f vow" statemefl‘t. m yam" te‘tter; give us the fottowmg informafim: a figgggflflflflmtiwiww flame and accmmt mummy: a Qgflm 3:719ij The dmtar" ameum 0f the suspected ermr: a Déscrimmngfimbtem: If VOL; think there is ah error" om yaw" bins describe what you befiieve is wrong and Why you beiieve it Es a Mistake, VOL; must comtact us: a Within 60 days after" the emu" appeared om vow" statemeflt. a N. teast 3 business days before am autm‘fia‘ted payment Es scheduieds if you want to stem pavmem 0h the amoum you {th Es wrung” Wm must motif}; us 0f any pcten‘tiat errovs imitmg; ‘mu may 63H us? but ff WU d0 we are mt rammed m Ewestigaw aw patentiafi evmrs amd yen may have t0 pay the amoum m Question What WW Hap man Mtw Wa R&mfiwz Yaw Latter When wa mmiva vow mttm; wa misfit day “twn mirnqg: 1. Within 3O days 0f receiving your" tartar; we must ten WU that we received 3mm" tetten We Wm atso tefifi you if we have atr"eady cowected the érmr: 2B Within 90 days 0f Receiving your" Hatter; we must either" wwect the emu" m" expiam to you why we befieve the bit: Es correct WNW we invwfiwm whethw m“ mt mam ham Mei"! am emu“: ° We 63mm. try t0 cofifiect the amwm m Question, 0r" rework veu as defimquemt (m that amount, a The Charge m Question may remam om 3mm" statemeflt and we may contmue k0 Charge you miterest om that amom‘t a White VOL; d0 mt have t0 pay the ammmt m Quesmn, VOL; are respoflsibfie fer" the? remainder" 0f your" baiance, a We can appty am; unpaid amom‘t agamst your" CVedE‘t Hmit. PLEASE SEE EMPORTANT INFORMATION ON PAGE 2 AWN wa fimgh mar invegtfiqafim, mm M Wm thingg Wm hammm or" am; interest 0r other" fees Vetated m that amaumt, a If we d0 mot betieve there was a mistake: VOL; WM have t0 gay the amaumt m qugstim, 330m} with appiicabfie interest afld feeésg We WW send \gcw a sta‘temem 0f the amaum VOL; owe and the date payment is due” We may then vemrt you as deimqueflt if WU d0 mt pay the amount we think VOL; owe, If you receive 0w" exptsma‘tion but SW befieve your" hm is wmmgs yam must write t0 us within IO days ketimg us that you Sm vefuse t0 pay” If yen d0 so, we cannot report yam as deéinquefl‘t without afise repertmg that you are questiommg yaw" bin, We musk teH WU the flame 0f awene to whom we Vaporteéd WU as deimguent amd we must tet these organizatioms me when the matter" has beam se‘t‘tted between us” If we d0 not fotfiow 3H 0f the mes above, you do not have to pay the first $56 0f the amount you Queskim evem if your" hm is correct Your RightS M Wm Areas EEJ’SSMJSFI’M WWW War 6mm? flaw? Purchmm W you are dissatisfied with the gccds 0r" services that you have purchased with vow" credit cardg amd WU have tried m good faith t0 correct the pmbiem with the merchant yw may have the right not m pay the remaining amaum due 0h the purchase, To use W5 right 3H 0f the fofiiowmg must be Hue: 1. The purchase must have been made? m your" home state 0r" withm 100 mites 0f vow" wwent maiHng addresg ahd the purchase mice must have been move mam $50, (Now: Neither" 0f these are necessary if yam" purchase was based 0h an advertiser‘fiemt we maited to VOL}, 0r" if we 0mm the company that 50M you the goeds 0r" services) a VOL; must have used yam" credit card fer" the purchase” Purchases made with cash advames fmm am ATM m" wEth a Chéck that accesses vow" credit card accmmt d0 not quaiify, 3B VOL; must mot yet have MW paid for" the purchase, If 3H 0f the criteria above ave met amd you are Sm dissatisfied with the purchase; comtact us m writing"; at the address for" biitmg ermrs amd customer" service imwifles showm 0m Page 1 of your" sta‘temeflt. Whifie we investigate, the same Wes appfiy t0 the disputed amount as discussed above” After" we? finish Ow" investigatiem we Wm teH yau 0m" decision” At that Qomt if we think yam ewe am amount amd you d0 mt pays we may report VOL: as detmgueflt ?‘J RPLGA DEC15 Page 4 of 4 EXHIBIT B Account Statement Send Notice of Billing Errors and Customer Service Inquiries to: - . JEWELERs RESERVE CARDGGUStomer serVIce' . PO Box 6403, Sioux Falls, SD 571 17-6403 OwwaewelersReservaaooountonllnaoom .Account Inquiries: ‘- R E S E R V E .1-888-285-9500 F W F Summary of Account Activity Payment Information Previous Balance $2,595.24 New Balance $2,671 '07 Payments , "$000 Minimum Payment Due $599.00 Other cred'ts _$O'OO Pa ment Due Date Februar 8 201 8 Purchases +$0.00 y y ’ Cash Advances +$0,00 Late Payment Warning: If we do not receive your minimum payment by the Fees Charged +$37_00 date listed above, you may have to pay alate fee up to $37. Interest Charqed +$38.83 Minimum Payment Warning: If you make only the minimum payment each New Ba|ance $2,671 .07 period, you will pay more in interest and it will take you longer to pay off your balance. For example: kPaSt Due Amount $49600 J If you make no additional You will pay off the And you win charges using this card balance shown on this end up paying an and each month you pay... statement in abaut... estimated total of,.. Foredit Limit $0.00 W Only the minimum payment 15 years $8,726 Available Credit $0.00 $4,493 Amount Over Credit Limit $671 .07 $125 3 years (saVi”QS=$4y233) Statement Closinq Date 01/1 2/201 8 It you would like information about credit counseling services, call 1-877-337-8188. Next Statement Closinq Date 02/09/2018 kDays in Billing Cycle 31 J k J You must pay your promotional balance of$1,082.34 in full by 05/08/19 to avoid paying deferred interest charges. Please see the enclosed privacy notice for important information. Please note that if we received your pay by phone or online payment between 5 p.m. ET and midnight ET on the last day of your billing period, your payment will not be reflected until your next statement. Please update your phone number, including cell phone number on the back of the payment coupon. 8A1 6 PLEASE SEE IMPORTANT INFORMATION ON PAGE 2. Page1 of 6 This Account is Issued by Citibank, N.A. ¢ Please detach and return lower portion with your payment to insure proper credit. Retain upper portion for your records. ¢ E W8E EL E RS YourAccountNumberis -7015 R V E Payment Due Date February 8, 201 8 Po Box 790394 . . New Balance 2,671.07ST- LOU'Sv MO 63179 Pay your bIll and more Vla your $ Accou nt online Past Due AmountT $496.00 Minimum Payment Due $599.00 statement Enclosed www.JewelersReserve.accountonline.com L Amou ht Enclosed: L $ TPast DueAmount is included in the Minimum Payment Due. Please print address changes on the reverse side. Make Checks Payable tov JEWELERS RESERVE CARD STEPHANIE BARTOLOME PO BOX 9001006 406 KENISTON AVE LOUISVILLE, KY 40290-1006 MILPITAS, CA 95035-4819 Enfarmafion Amm Yaw Amwm, How “m Avoid Paying mtarwfik am Pumhagea Your" payment due date is at teast 25 days after" the Ciese 0f each Wing cycieg W9 WW not Charge? you aw Werest (m purchases if you pay your" New Batamce by the payment due date each month” This Es catted a grace perfed 0n purchasea T0 get a grace geriod cm purchaseg yam must pay the New Bahama by the pavmemt due date evew bitfimg cvda We WW begin Charging Weresk 0m cash advames (if avaitabte 0n yaw" account} on the tramsacfitmfl date. If you have a batamce subject to a deferred Wieresfi 0r" 0% APR promotion ahd that pmmotim dates mi". expire baffle the paw‘fient due date, that bataflce (an ”excmdefl batance”) is excmded from the? amoumt you must pay m W to get a grace period m a pwchase bafiamce ether" than an exduded batsmen However", you must SW pay any separatety rewired payment 0h the excmded batamceg m taming cycfies m which payments are at&ocated t0 deferred Werest baiamws firsts the defewed interest bstamce WW be reduced befme aw Other" bafiance om the account Hawever; yeu Wm contime t0 get a grace period cm purchaseg other" thaw am exduded baiaflce, so 50m} as yen pay the New Batamce (Sass am; exduded bafiamces mus am; segaretety required payment 0n ah exduded hatama} m W by the pavmem due date éam WNW; cydeg W9 may refer" t0 defewed interest pmmctims as N0 Interest m" N0 Monfihfiy interest pmmctimg m sddifiom certain pmmotiomat offers may take away the grace period m purchasea Other" momoflomt offers mot désmbed shave may 3250 SHOW WU t0 have a grace period 0m pumhases without havmg t0 pay an 0r" a portiom 0f the pmmofiona? bafiame by the payment due date. if either" is the caseg the momofiona! offer" Wm describe what happens” Haw We (taflwmm Yaw“ Bahama Subway: to Enmmgt Ram. For" each baiamce, the ie‘t‘ter fotfiowmg the Amuat Percentage Rate m the Werest Charge Cafiwiatiom sectim (m the front 0f the statemeflt mdica‘tes the method we use m catcutate interest Charges” Fm" Methods B and Es we use an average dam; bafiamce metmd (mcmdmg wwemt transactions} t0 catwfiate interest Charges. Far" Methods Cs D and Ms we use a dam batance method (mctudmg current transactions} m caicuiate migrest Charges. To fmd out more informatiom about the batsmce computatim methed that apmes t0 yam" account and how the remitting Wares! Charges weré de‘terr‘nmed, comtact us at the Acmumt [magnifies number" 0m the fmmh mhm Amoum and Paymant Enfor'matmn, Favmwt Amount. You may pay 3H 0r" part 0f yew" acwunt baiamce at am; time. However; you must pays by the payment flue dates at Eeast the mmm‘mr‘n payment due” PLEASE SEE IMPORTANT INFORMATION ON PAGE 4 Wham Yam“ Paymwt WM Ba Creamed» If we receive vow" payment m pmper form at 0m" mccessmg fawn; by 5 puma £0032 time there: E‘t WW be credited as 0f that day” A paw‘fiem‘t received there m proper" form after" that time Wm be credited as of the mext day” MOW 5 t0 Y days for payments by regmar msit m reach us” There max; be a daisy 0f up to 5 days m creditiw a payment we receive that is mot m proper form 0r" Es mot sent t0 the correct address, The wrrect address fer" magma?" mai? is the address 0m the fmflt 0f the payment coupon” The CNVeC‘t address fm" courier" 0r" express maifi is the Express Mai) Address Shawn Er: the Express Mai? section Fromm“ Form, For" a payment semi by mait m" courier" t0 be m prewar" fem you must: a Emmgfi a V'afiid Check 0r" mmey 0rderz N0 cash, gift cardsg 0r" fomigfl currency pteaseg a mama yaw" flame? afld the tast four" digits of vow" accmmt mmber: Wymam 0mm“ Than fly Mam. a SHMSMM (Wham Avafiflamm» Am; payment m meme?" farm accemed im~sifiore WW be cradi‘ted as 0f that day” However; credit avaifiabiiiw may be subject m verification 0f flmds. Net 3H star"es accept paymenm Cmtact your" Socafi store t0 see if msteré psymemts are accepted at that mca‘tim. ° mama» Go m the URL 0h Page 1 0f your" statement t0 make a payment Fm" security reagent; you may not be am? t0 pay yew" entire New Batame the first time you make a Qayment mime” The payment cutoff time for Omme 8m Pavmem‘ts Es midnight Eastern time. This means that we Wm credit your" accoum as of the catemdar days based om Eastern tima that we receive your" payment VQQUQS‘L a AUMPWE Eign up at Acwmt Omme t0 have yam" paymem amount autor‘na‘ticaw deducted each momth from the accomifi VOL; Cheese” Wm?" card account WW be credited (m the due date with that amount a Pham» CaH the meme mmber” om Page? 0f your" statement to make a payment” We may process your" payment eiectmmcaw after" we verify yew" identity” The payment cutoff time for" Phone Payments Es midrflght Eastern time. This means that we WEN credit your" account as of the catemdar" days based (m Eastem Uma that we Héceive yam" payment vaguest, a Expmgs Mam» Send psymemt by murier 0r" express mai? m: Arm: Cmsumer” Payment Dept? 6716 Grade Lanes Buitdim} 9. 3mm 910, Louisvififies K‘f 40213” Payment must be received m pmper” farm at the proper" address by 5 pm Eastern time t0 be credited as 0f that day” AH payments received m proper" form at the pmpér address after" that time Wm be credited as 0f the next day” W WE) mud aw aflfiqihm check wfi‘kh Wig paymani: cannon, yam awkhm‘iza m t0 mmpflem yaw navmam by fiflecflwnic debit. 5f W; cm, ma chmkfing accwm Wm he dammed En “me amount on “km mack» Waa may gm “mm gag gmm ag ma day wa mmiw the chewing» Am», thfi chmk Wm m dwtmyed» RPLGQ DEC15 A1 - 9194-0606-0001 -//- OO - OOO - -//-E - 9 - X - 81 -//- P - B - - O - N -//-7 - - - O - O -//-O1/13/17- 07/01/16- 18 - December 12, 2017 N- - - -//-o- -FF28-v-//- - -o- o- - -//- - - - Page 2 of 6 Please provide change of address and update/add your phone numbers‘here: {Um b21463 m blaazxma ir‘EM *Cell: *Home: ‘Phone: By giving us a cell number or a number later converted to a cell number, you agree that we or our service providers can contact you at that number by autodialer, recorded or artificial voice, or a text. Your phone plan Charges may apply. ACCOUHtI **** **** **** 701 5 TRANSACTIONS Trans Date Description Reference # Amount FEES 01/08 LATE FEE $ 37.00 TOTAL FEES FOR THIS PERIOD $ 37.00 INTEREST CHARGE_D 01/12 INTEREST CHARGE ON PURCHASES $ 38.83 TOTAL INTEREST FOR THIS PERIOD $ 38.83 Total Fees Charged in 2018 $37.00 Total Interest Charged in 2018 $38.83 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 ,512.90 - $37.00 $38.83 $1 588.73 - - - NO INT FOR 24MOS - MO PYMT REQ $1 ,082.34 04/08/17 $1 ,082.34 - - - $1 ,082.34 - $278.91 05/08/19 TOTAL $2,595.24 $0.00 $37.00 $38.83 $2,671.07 $0.00 $278.91 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type pf Balance _ ‘ _ - Annual Percentage Rate (APR) Balanca Subject to Interest Rate Interest Charge z PURCHASES REGULAR 29.74% (M)(V) $1 ,537.50 $38.83 NO INT FOR 24MOS - MO PYMT REQ 29.74% (M)(V) - - (V) = Variable Rate Page 3 of 6 6:de me‘fimq mgwmg» If you ‘thmk‘ we r"epor”ted inaccurate inforr‘naflon t0 a médit bureau write us at the Customar” Eervice address shown 0m Page 1. Repmrt a Lam or 3mm“ (2am immedmmm Ca): the Acwmt Imuifles mmber shown 0h Page L What ”m Bo W Wm Find A Migtakfi {En Yaw fitafikfimwt If yam WW there is am army" on your" statemeflt, write t0 us aft the address for" hitting errms and customer" service imuifles shcwm om Page 1 0f vow" statemefl‘t. m yam" te‘tter; give us the fottowmg informafim: a figgggflflflflmtiwiww flame and accmmt mummy: a Qgflm 3:719ij The dmtar" ameum 0f the suspected ermr: a Déscrimmngfimbtem: If VOL; think there is ah error" om yaw" bins describe what you befiieve is wrong and Why you beiieve it Es a Mistake, VOL; must comtact us: a Within 60 days after" the emu" appeared om vow" statemeflt. a N. teast 3 business days before am autm‘fia‘ted payment Es scheduieds if you want to stem pavmem 0h the amoum you {th Es wrung” Wm must motif}; us 0f any pcten‘tiat errovs imitmg; ‘mu may 63H us? but ff WU d0 we are mt rammed m Ewestigaw aw patentiafi evmrs amd yen may have t0 pay the amoum m Question What WW Hap man Mtw Wa R&mfiwz Yaw Latter When wa mmiva vow mttm; wa misfit day “twn mirnqg: 1. Within 3O days 0f receiving your" tartar; we must ten WU that we received 3mm" tetten We Wm atso tefifi you if we have atr"eady cowected the érmr: 2B Within 90 days 0f Receiving your" Hatter; we must either" wwect the emu" m" expiam to you why we befieve the bit: Es correct WNW we invwfiwm whethw m“ mt mam ham Mei"! am emu“: ° We 63mm. try t0 cofifiect the amwm m Question, 0r" rework veu as defimquemt (m that amount, a The Charge m Question may remam om 3mm" statemeflt and we may contmue k0 Charge you miterest om that amom‘t a White VOL; d0 mt have t0 pay the ammmt m Quesmn, VOL; are respoflsibfie fer" the? remainder" 0f your" baiance, a We can appty am; unpaid amom‘t agamst your" CVedE‘t Hmit. PLEASE SEE EMPORTANT INFORMATION ON PAGE 2 AWN wa fimgh mar invegtfiqafim, mm M Wm thingg Wm hammm or" am; interest 0r other" fees Vetated m that amaumt, a If we d0 mot betieve there was a mistake: VOL; WM have t0 gay the amaumt m qugstim, 330m} with appiicabfie interest afld feeésg We WW send \gcw a sta‘temem 0f the amaum VOL; owe and the date payment is due” We may then vemrt you as deimqueflt if WU d0 mt pay the amount we think VOL; owe, If you receive 0w" exptsma‘tion but SW befieve your" hm is wmmgs yam must write t0 us within IO days ketimg us that you Sm vefuse t0 pay” If yen d0 so, we cannot report yam as deéinquefl‘t without afise repertmg that you are questiommg yaw" bin, We musk teH WU the flame 0f awene to whom we Vaporteéd WU as deimguent amd we must tet these organizatioms me when the matter" has beam se‘t‘tted between us” If we d0 not fotfiow 3H 0f the mes above, you do not have to pay the first $56 0f the amount you Queskim evem if your" hm is correct Your RightS M Wm Areas EEJ’SSMJSFI’M WWW War 6mm? flaw? Purchmm W you are dissatisfied with the gccds 0r" services that you have purchased with vow" credit cardg amd WU have tried m good faith t0 correct the pmbiem with the merchant yw may have the right not m pay the remaining amaum due 0h the purchase, To use W5 right 3H 0f the fofiiowmg must be Hue: 1. The purchase must have been made? m your" home state 0r" withm 100 mites 0f vow" wwent maiHng addresg ahd the purchase mice must have been move mam $50, (Now: Neither" 0f these are necessary if yam" purchase was based 0h an advertiser‘fiemt we maited to VOL}, 0r" if we 0mm the company that 50M you the goeds 0r" services) a VOL; must have used yam" credit card fer" the purchase” Purchases made with cash advames fmm am ATM m" wEth a Chéck that accesses vow" credit card accmmt d0 not quaiify, 3B VOL; must mot yet have MW paid for" the purchase, If 3H 0f the criteria above ave met amd you are Sm dissatisfied with the purchase; comtact us m writing"; at the address for" biitmg ermrs amd customer" service imwifles showm 0m Page 1 of your" sta‘temeflt. Whifie we investigate, the same Wes appfiy t0 the disputed amount as discussed above” After" we? finish Ow" investigatiem we Wm teH yau 0m" decision” At that Qomt if we think yam ewe am amount amd you d0 mt pays we may report VOL: as detmgueflt ?‘J RPLGA DEC15 Page 4 of 6 GLBRPLE 01/17 WHAT DOES CITIBANK DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you have with us. This information can include: - Social Security number and income - account balances and employment information - credit history and transaction history All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Citibank chooses to share; and whether you can limit this sharing. For our everyday business purposes - such as to process yourtransactions, maintain your Yes N0 account(s), respond to court orders and legal investigations, or report to credit bureaus For our marketing purposes: - Yes N0 to offer our products and servnces 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 affi iates’ 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 " Call 1-877-491 -0608 - our menu will prompt you through your choice(s). (TTY: 1-888-944-2227) Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us any time to limit our sharing. Call 1-877-491 -0608 or call the Customer Service number on the back of your credit card or on your billing statement. (TTY:-) Page 5 of 6 w ., 12y " fi ' w “,12, I 9 ???%fi . ~, ‘ . Who is providing this notiée? Thhis notice is burbVided by {he retyail parfnér carhdhs grbub of'Citibyahk,’ ’N.A.>, the bank that issues your credit card. - v "How does Ci Ibahnk ‘pr'otecvt' I > To’pr'otect 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? Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. - Our affiliates include companies such as Citigroup Global Markets Inc. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. - Nonaffiliates 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. - Ourjoim‘ marketing partners include insurance companies and other financial companies. ‘ d \w r .‘ W K I ‘, , h . ,u For Vermont Residents: We WIII not share Information we collect about you with nonaffiliated third parties, except as permitted by Vermont law, such as to process your transactions or to maintain your account. In 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. ax 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. 72% Page 6 of 6
