Complaint Limited Up to 10KCal. Super. - 6th Dist.April 30, 2021E-FILED 4/30/2021 9:19 AM Clerk of Court Superior Court of CA, County of Santa Clara 21CV381141 Reviewed By: Ashley Mackenzie 21CV381141 6350960 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Matthew W. Quall, #183759 Ranjeet K. Brar, #297142 Tiffany A. Pack, #323 1 59 Claudia Yvette Case, #328212 Ingrid V. Caero, #3 1 7349 Quall Cardot LLP 205 East River Park Circle, Suite #1 10 Fresno, California 93720 (888) 289-1231 Phone (559) 418-0330 Fax Attorneys for Plaintiff CAVALRY SPV I, LLC SUPERIOR COURT OF CALIFORNIA COUNTY OF Santa Clara CAVALRY SPV I, LLC, Case No. Plaintiff, Limited Civil Case V. COMPLAINT FORCOMMON COUNTS JILL M COLONNA , an individual; and 1. Account Stated DOES 1 through 100, inclusive, 2. Open Book Defendants. Demand Amount: $1,842.63 BACKGROUND ALLEGATIONS 1. At all times herein mentioned, Plaintiff was, and now is, a limited liability company with its principal place of business located in Valhalla, New York, and at all times mentioned herein, was, and now is, authorized to do business in the State of California. 2. Plaintiff is ignorant 0f the true names and capacities 0f Defendants sued herein as DOES 1 through 50, inclusive, and therefore sues these Defendants by fictitious names. Plaintiff will amend this Complaint to allege their true names and capacities when ascertained. Plaintiff is informed and believes and, on that basis, alleges that each ofthese fictitiously named Defendants is responsible in some manner for the acts or omissions in this Complaint, and that Plaintiff’s damages and injuries were proximately caused by the acts or omissions of these Defendants. 3. Plaintiff knows the identities of DOES 51 through 100, inclusive, believes they Complaint for Common Counts - 1 - \OOOQONUIA 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 have damaged it, but is unaware of their capacity or conduct as described in this Complaint. Because Plaintiff is ignorant 0f their capacity or conduct, it sues them fictitiously. Plaintiff will seek leave to amend the Complaint when it has knowledge 0f facts indicating the true nature of their capacity and conduct in the events described in this Complaint. 4. At all times mentioned in this Complaint, each Defendant was the agent, servant, and/or employee 0f each of the remaining Defendants and was, in doing the things complained of, within the scope of his, her, or its agency and employment, and acting with full knowledge or subsequent ratification of his, her, or its principals or employees. 5. Defendants, and each of them, reside in this Judicial District. The account herein described was entered into and/or performed in this Judicial District such that this Judicial District is the proper venue for this action. (California Code 0f Civil Procedure section 395.) The obligation sued upon is not subject t0 the provisions 0f California Civil Code section 2984.4, nor California Civil Code section 1812.10. 6. Plaintiff is a debt buyer that is regularly engaged in the business of purchasing charged-off consumer debt for collection purposes, as defined in California Civil Code section 1788.50, subdivision (a)(l). The nature 0f the underlying debt and transaction which forms the basis for this complaint stems from the issuance of credit 0n an account Defendant(s) held with Citibank, N.A. account number ending in 9472 (hereinafier referred t0 as the “Account”), and Defendant(s)’ failure to pay the balance due on the Account, resulting in a default on the Account by Defendant(s). 7. Plaintiffis the sole owner ofthe Account Which forms the basis for this Complaint. 8. As of 09/24/2019, the date the Account was charged off by Citibank, N.A., the balance on the Account was $1,842.63. 9. The last payment 0n the Account by Defendant(s) was 02/1 5/2019. 10. At the time the Account was charged-off, the name and address of the charge-off creditor and the charge-off creditor’s account number associated with the Account was: Citibank, N.A. PO BOX 6283, SIOUX FALLS, SD 571 17-6283, account number ending in 9472. Complaint for Common Counts - 2 - \OOOQON 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 1 1. The name and last known address 0fthe Defendant(s) as they appeared in Citibank, N.A.’s records prior to the sale ofthe Account was JILL M COLONNA 939 LAKE TAHOE CT SAN JOSE, CA 951232453. 12. The names and addresses of all persons or entities that purchased the Account after charge-off, including Plaintiff are as follows: Cavalry SPV I, LLC 500 Summit Lake Drive, Suite 400 Valhalla, NY 10595. (True and correct copies of the chain of title reflecting the purchasers of the Account up through and including Plaintiff are attached hereto and incorporated herein by reference as though fully set forth herein as Exhibit 1.) A11 rights, title, and interest in the Account, which is the subj ect of the lawsuit were assigned to Plaintiff. 13. Plaintiff has complied with California Civil Code section 1788.52. 14. A true and correct copy of a contract or other document described in subdivision (b) of section 1788.52 of the California Civil Code is attached hereto and incorporated herein by reference as though fully set forth herein as Exhibit 2. FIRST CAUSE OF ACTION (Account Stated) 15. Plaintiff alleges each and every allegation contained in the Background Allegations, and incorporates them by this reference as though set forth in full. 16. An account has been stated between Defendant(s), and each ofthem, and Citibank, N.A. in the sum of $1,842.63. 17. Defendant(s)’ last payment was made on 02/ 1 5/201 9. 18. Defendant(s), and each of them, are in default in that they have failed to pay the balance due. 19. Therefore, Defendant(s), and each ofthem are in default in the sum of $1,842.63. 20. As the sole owner 0f the Account, Plaintiff is entitled t0 the sum of $1,842.63. 21. No part of said sum has been paid, although demand therefor has been made, and there is now due, owing and unpaid from said Defendant(s), and each of them, to Plaintiff, said amount. Complaint for Common Counts - 3 - \DOONONUIAUJNH NNNNNNNNN-tr-A-Au-n-A-tr-AHHt-I OOQQUIAWNHOCOOQONM$WNWO SECOND CAUSE OF ACTION (Open Book) 22. Plaintiff alleges each and every allegation contained in the Background Allegations, and incorporates them by this reference as though set forth in full. 23. Within four (4) years last past, Defendant(s), and each of them, became indebted to Citibank, N.A. on an open book account for money due in the sum of at least $1,842.63. Although demand therefore has been made, said Defendant(s), and each 0f them, have failed and refused t0 pay said agreed balance. There is now due, owing and unpaid fi'om said Defendant(s), and each of them, the sum 0f $1,842.63. 24. As the sole owner 0f the Account, Plaintiff is entitled to the sum of $1,842.63. WHEREFORE, Plaintiff prays for judgment against Defendants, and each of them, as follows: AS TO AND FOR ALL CAUSES OF ACTION: 1. For the charged-offbalance of $1,842.63; 2. For costs of suit incurred herein; and 3. For such other and further relief as the Court may deem just and proper. Dated: AER 23 232] QUALL CARDOT LLP By [ ] Matthew W. Quall 1Q Ranjeet K. Brar [ ] Tiffany A.Pack ' [ ] Claudia Yvette Case [ ] Ingrid V. Caero Attorneys for Plaintiff CAVALRY SPV I, LLC Complaint for Common Counts - 4 - EXHIBIT ”1” Contract ID: CV8MUMAA02 l8 l 9 Document ID: CV8MUMAA122019C17 Document ID: 1215 l9CVIMU2EBGl AFFIDAVIT OF SALE OF ACCOUNT State of Missouri County of Platte Gary Goldberg. being duly sworn, deposes and says: I am an authorized employee of Citibank, N.A. (“CBNA”) located at 5800 South Corporate Place, Sioux Falls, SD 57108 am authorized to make the statements and representations herein and I am over 18 years of age. In this position. I have access to the creditor’s books and records and am aware of the process of the sale of accounts and electronic storage of business records. On or about December 27, 2019, CBNA sold a pool of charged-off accounts (the AccounIS) by n Master Purchase and Sale Agreement dated February [8, 2019 and Addendum No. l7 dated December 20, 2019, to Cavalry SPV I, LLC. As part of the sale of the Accounts. certain electronic records were transferred on individual accounts to the debt buyer. These records were kept in the ordinary course of business of creditor. I am not aware ofany errors in the information provided about the Accounts. The above statements are true to the best of my knowledge. Signed this_X*L'__ day of "Dr c .WG I G&oldberg g Sworn before me this day of IQC . $0 I y. CAROIXN E. HUGHES Note Public - Notary Seal State 01 issoud. Jackson County Commission #:4927304 ‘ My Commission Expires Jan 26. 2022 Notary Publlc (Notary Seal) . . . J5“ 23. My Commnssnon Expires: m 2°22 Cavalry 02I8l9 l Contract ID: CV8MUMAA02 l8|9 Document ID: CV8MUMAAI220] 9Cl7 Document ID: IZIS I9CV lMUZEBGl CERTIFICATE 0F CONFORMITY STATE OF MISSOURI CITY OF KANSAS CITY The undersigned does hereby certify that helshc is an attorney at law duly admitted lo practice in the State of Missouri and is a resident ofWCounty, in the State of MlSSOURl that he/she is a person duly qualified to make this certificate of conformity pursuant to the laws of the State of Missouri; that the foregoing acknowledgment by Gary Goldberg named in the foregoing instrument taken before mam , a Notary in the State of Missouri, was taken in the manner prescribed by such laws of the State of Missouri, being the State in which it was taken; and that it duly conforms with such laws and is in all respects valid and effective in such state. 9-30-9013 Qu J.JA Date Attorney atLag Canny 021819 2 Contract MCVSMUMMOZIS l9 Document ID: CVIMUMAA12ZOI 9Cl7 Document n): IZIS I9CV1MUZEBBI BILL 0F §ALE AND ASSIQEMNT THIS BILL 0F SALE AND ASSIGNMENT dated December 27. 2019, is by Citibank, N.A.. a national banking association organized under the laws of the United States, located at 5800 South Corporate Place, Sioux Falls. SD 57108 (the "Bank") to Cavalry SPV I. LLC, mgmized under the laws of thc State of Delaware, with its hmdquarters/principal place of busimss at 500 Summit Lake Drive, Suite 400, Valhalla, NY 10595 ("Buyer"). For value received and subject to the terms and conditions of the Master Purchase and Sale Agreement dated February 18. 2019 and Addendum No. l7 dated December 20, 2019. between Buyer and the Bank (the "Agreement"), the Bank docs hereby transfer, sell, nsdgn, convey, grant. bargain, set over and deliver to Buyer. and to Buyer's successors and assigns, the Accounts described in Exhibit l to the Addendum and the final electronic file. Citibank, NA. By: %k( ignnmrc) W9 Name: m Title! Cavalrymmg l Exhibit 1 Contract m:CVSMUMAAOZIMQ Document m: CV8MUMAAI220-19Cl7 DocumeutID: IZISI9CVIMU2£BAI The individual Accounts transferred are desu'ibed in me final electronic file and delivered by the Bank to Buyer, the same deemed attached hereto by this reference. 6u 1m grid!) Accountsmyo am. PL nun: nnsncvmuznn - Sale Balance CIt-OflDate121mm Cavalryozim EXHIBIT ”2” Account Statement Send Notiuof Billing Errors and Cmbmer Service Inquiries b: - . SEARS CFEDIT CARDScusmmer serv'ce' Po Box 6m, Sioux Falls, SD 571 17-6283smdsom sears Gard® Account Inquiries: 1-m0-91 7-7700 . F WSum of Account Payment Information Prevnous Balance New Balance $1 ,338.20 Minimum Payment Due $42.00 Payment Due Date March 20, 2019 Cash Advances .00 Late Payment Warnlng: If we do not receive your mlnimum payment by the date listed above, you may have to pay ahte fee up to $37. Mlnimum Payment Warnlng: If you mdce only the minimum payment each New Ba|ance $1 133820 period, you will pay more in interest and itwill take you longer to pay off your balance. For example: P331 Due Am°unt $000 nyou Mammaona: Youwlpayoflme Anayauwm v chargesustngmlscatd bdmoeshmmonm anduppayinga‘n and each month you pay. V, swm about... esumated tow of... Only the minimum payment Byears $3,050 $1 ,980$55 ayea’s (Savings=$1,o70) It you would like information mom credit coumeling services, call 1-877-337-8187. 1 28 g J Please see the enclosed deterred Interest promotlonal otter updatefor important hformaflon. For phone payments, you aumorlze us to electronically debit your specified bank account by an ACH transaction In the amount and on such date that you indicate on the phone. You may cancel a phone payment by calling us at tm Customer Service number at the top of page 1 within the timeframe disclosed to you on the phone. Cash Payments made in-store at Sears, Sears Auto Centers, Sears Hometown and Outlet, and Kmart for Sears Credit Card account balances Is limited to a maximum amount of $2,500 per day/per account. For your convenience and securlty, if you wlsh to make payments for any amount, Including amounts greater than $2,500, you are welcome to do so via check. Please also remember you can pay your accountonline aINww.pay.searscard.oom Please update your phone number, including cell phone number on the back of the payment coupon. Get Sears & Kmart gift cards in store or online. "arm's and cor-diticm ale applied b gift car}. 8 SE 15 PLEASE SEE IMPORTANT INFORMATION ON PAGE 2. Page 1 of 10 This Account is Issued by Citibank, N.A. + Piease detach and return lower ponion with your payment to insure proper credit. Retain upper portion torjour records. iv sear80 Your Account Number is_ 9472 Payment Due Date March 20, 2019 Smiles Guaranteed.Po Box 6286 SIOUX FALLS, SD 571176286 v New 38'3"” $133820 .K Past Due Amount $0.00 Mlnlmum Payment Due $42.00 statement Enclosed t ‘L W ' Get Sears 8. Kmart gift cards in store or online. Tenn: add candmon: ave Jppl ed to gvh card. Please prim address changes on the reverse side. Make Checks Payable tov SEARS CREDIT CARDS JILL M COLONNA PO BOX 78051 939 LAKE TAHOE CT PHOENIX, AZ 85062-8051 SAN JOSE, CA 95123-2453 ____‘lli?a_ lnformatlon About Your Account. How to Avoid Paying Interest on Purchases. Your payment due date is at least 25 days after the close of each billing cycle. We wiII 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 (it available on your account) on the transaction date. If you have a balance subject to a deferred interest promotion and that promotion does not expire befom the payment due date, that balance (an “exctuded 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, In addition. if you have a major purchase plan balance. 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. In 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, other than 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. In addition, certain promotional offers mav take away the grace period on purchases. Other promotional ofters 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, If either is the case. the promotional offer will describe what happens. How We Calculate Your Balance Subject to Interest Rate. We use a dai|y balance method (including current transactions) to calcuiate 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 (if balance transfers are available on your account). Other Account and Payment Information. Payment Amount. You may pay all or part of your account balance at any time. However, you must pay. bythe payment due date, at Ieastthe minimum payment due, When Your Payment Will Be Credited. If we receive your payment in proper form at our processing facility by 5 p.m. local timethere. it will be credited as of that day. A payment received there in proper form after that time will be credited as of the next day, Allow 5 to 7 days for payments by regular mail to reach us. There may be a delay of up to 5 days in crediting a payment we receive that is not in proper form or is not sent to the correct address. The correct address for regular mail is the address on the front of the payment coupon. The correct address for courier or express mail is the Express Mail Address shown beiow. 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 Mall. - In-Storc (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 Page1 of your statement to make a payment. When you enroll in Online Bill Pay you can schedule your payments up to 45 days in advance using the "Other " payment option. For security reasons, you may not be able to pay your entire New Balance the first time you make a payment online, - AutoPay. Go to the URL on Page 1 of your statement to to enroll in AutoPay and have your payment amount automatically deducted each month on your due date from the payment account vou choose. - Phone. Call the phone number on Page1 of your 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. - Creditlnq Payments other than by Mall. The payment cutoff time for Online bill payments, Phone payments. and Express Mail payments is midnight Eastern time. This means that we wm credit your account as of the calendar day, based on Eastern time. that we receive your payment request. 8f you send an eligible check with this payment coupon, you authorize us to complete your payment by electronic debit. If we do, tho checking account win ho debited in the amount on the check. We may do this as soon as the day we receive the chock. Also, the check will be destroyed. Credit Reporting Disputes. We may report information about your account to credit bureaus, If you think we reported inaccurate information. please write us at the Customer Service address shown on Page 1. Report a Lost or Stokn Card lmmedlatelv. Call the Account Inquiries number shown on Page 1. What To Do If You Think You Find A Mlstake 0n Your Statement. If you think there is an error on your statement, write to us at the address for billing errors and customer service inquiries shown on Page1 of your statement. In your letter, give us the foilow‘mg information: 1. Account information: Your name and account number. 2. Dollar amount: The dollar amount of the suspected error. 3. Description of Problem: If you think there is an error on your biII. describe what you believe is wrong and why vou believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us. but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error. the following are true: - We cannot try to collect the amount in question. or report you as delinquent on that amount. - The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But. if we determine that we made a mistake. you will not have to pay the amount in question or any interest or otherfees related to that amount. - While you do not have to pay the amount in question. you are responsible for the remainder of your baiance. - We can apply any unpaid amount against your credit limit. Your Rights If You Arc Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card. and you have tried in good faith to correct the problem with the merchant, you may have the right not to pav the remaining amount due on the purchase. To use this right. all of the foflowing 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 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 the address for billing errorsand 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 tel! you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. SMC/TGl/SCC/SCPMIPS NOV17 /A/- se-sas1-5ooo-00264BI-EM»9-HAPDcmo- - -/cx.-o- -73-/D/-P- - -o-N-/E/-o- - - -o-o-o - /F/-o1/25/19-o7/o1/17- 19-January 24,20194GI-N- - - 4H/-o- -PFAB-v-/|/- - -o- o- - 4J/- ----- Page 2 of 10 Please provide change of address and updateladd your phone numbers‘here: (Use blue or black ink.) *Qell: 7*Hvom9: ‘Phone: By giving us a ceII 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. Accou nt. **** **** **** 9472 Marketlng offers Included In this smtement are Intended for residents of the United States and Its Territorles. From time to flme, you may be offered special limited flme only deferred Interest promotional offers. Deferred Interest promotional offers Include the followlng types of offers: o 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" Paid in Full In 24 Months No Interest if Paid in Full by a specific date (for example, by December 31, 2020) If the balance is not paid In full by the end of the promofional period, Interest charges will be Imposed from the purchase date at the varlable purchase rate on your aocountwhlch ls 27.49% APR. Variable APRs are as of 02/19/19 and will vary wflh the market based on the Prlme Rate. These offers are not available all the time and may be llmlted to speclflc merchandse and/or have mlnlmum payment and purchase requirements as dsclosed In the offer. Your card agreement, the terms ot the offer and applicable law govern these tansactions includng Increasing APRs and fees and termlnaflon of the promotlonal period. If you have any questions, please contact us at 1-866-5332468. For TDD/TTY assistance, please call 1-866-357-2484. TRANSACTIONS Trans Date Description Reference I Amount 02/1 5 PAYMENT - THANK YOU P9362001E09AN7MP1 $ 45.00- FEES TOTAL FEES FOR THIS PERIOD s 0.00 INTEREST CHARGED 02/21 INTEREST CHARGE ON PURCHASES s 28.62 TOTAL INTEREST FOR THIS PERIOD S 28.62 Total Fees Charged in 2019 ‘ $0.00 Total Interest Charged in 2019 $55.47 ACTIVITY AND PROMOTIONS DETAIL ougmd Purchms, Promotlon Promo Payments Cah Adv, Promotlon Defened Promotion Trms Trans Prevlous a Other Fees a Interest New Illnlmum Interest Explraflon Amount Date Bdmoe Credlts Other Owns Chuged Bdmoe Payment Due Chuggs Date PURCHASES REGULAR - - $1,354.58 $45.00- - $28.62 $1 338.20 - - - TOTAL $1,351.58 $45.00- $0.00 $28.62 $1,338.20 $0.00 $0.00 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) us me annual Interest rate on your account.Madam r _ _ - xv mwmm amsmbmm manage PURCHASES REGULAR 27.49% (D)(V) $1 .357.16 $28.62 (V) = Variable Rate (D) = Dally Pageaono Account: **** M“ **** 9472 THIS PAGE INTENTIONALLY LEFT BLANK Page4o1‘10 . MORE PERFORMANCE. 12 MONTHS FINANCING on all appliances over $499 with a qualifying Sears card. Offer valid 2/1-3/31/19. NOWGEIEVENMORE , 13-month ‘ mgtImenarM > atsears hmitedwamnty limited wartantv c<::mpehtors offer 12 on <9 ect Kenmore“ pa’ts smite & assistance 24/] tech support :wat flexible delivery chocse yoqr date & ume- $50 OFF IIHHQIIIILII NllfllllLflflpurchaseI lI ISI-DP ' . sears YOUR : Coupon vaud: 2/1-3/31/19. _ 5200955 : l ‘ I ' I Excludes clearance Hot Buys and Everyday Great Price items. Not valid at Sears Homemnm and Outlet. Valid inAstore and online. Cannd be combined with other coupons, used dur'ng Famlly a Friends events or with the FREE Delivery option. WAY. Includes ranges, wall ovens, cooktops. dlshwashers, fmezers, refrigeration and laundry I ‘omionoe promo fmdzn ' ‘ '- FIFTYOFF ‘ " Pagesono -*Purchase requirement loss coupons, discounts and reward certificates and 00$ not include Bx, insmllafion, shipping or fees, and must be made in a single transaction. For online hanmcfions, the required minimum tramcfion amount is based on the single item selected and you must select Special Financing Offer on the payment page in checkout. Offem may not be combinable with other Sears card offers. 0n all appliances: Colors, oonnedors, ice maka hookup and installation extra. 912 *IMPORTANT DEFERRED INTEREST DETAILS (when offered): No interact if paid in full within the promotional period. hterest will be clnrged to your account from me purchase date if me purchase balance is not paid in fill with in the promoh'onal pen'od. Wrth credit approval, for qualifying purcmses made on a Sears mrd (Sears Commercial One” accounB exduded). Sears Home Improvement Accounts" valid on installedm only. Offervalid for consumer accounts in good sanding and is subject to change without nofioe. May not be combined with any other promotional offer. Sears mrdszAs of 12/1/2018,APR for purdnses: Variable 9.24%-27.24% or non-variable 5.00%-26.49°/o. Minimum interest charge: up to $2. See card agreement for details, includingthem and few appliwble to you. Sears mrds are issued by Citibank, NA Pageeot 1o Your Card Works For You Shop at Searsg and Kmart“ in store and online, with your Sears card. sears; Keep using your Sears card to: - Shop in store at Sears, Kmart and Sears Hometown & Outlet® - Shop online at Searscom, Kmart.com or searshometownstores.com Page7of10 PageBof 10 TRAVEL SIMPLIFIED Search from over 400,000 properties worldwide with the easy-to-use booking tool. Incredible Amazing Earn Points With Properties Prices Every Stay shopyourway.com/hotels SHOPYHgElgRWAY‘ PagerHO By accepting Shop Your Way member benefits and offers, you agree to the Shop Your Way terms and conditions available at www.shopyoum/aycom/terms. Members earn points on qualifying purchases, excluding sales taxes and other fees. Subject to full program terms available at www.shopyourway.com. Additional limitations, terms and conditions apply. The Shop Your Way program is ?fiered by Sears Holdings Management Corporation. Citibank is not responsible for product or services offered by other companies. Page 100: 1o
