DeclarationCal. Super. - 6th Dist.April 30, 2021Electronically Filed by Superior Court of CA, County of Santa Clara, on 7/15/2021 10:11 AM Reviewed By: D Harris Case #21CV381155 Envelope: 6853054 21CV381155 Santa Clara - Civil D Harris \OOOQONUI-PUJNr-a NNNNNNNNNHr-r-IHHHHHr-Ar-a OOQQM-PWNHOQOONQM#UJNHO Christopher D. Mandarich SB 220693 Ajay Sood SB325294 Hayk Stambultsyan SB320973 Amber Swearingen-Ojuri SB324653 MANDARICH LAW GROUP, LLP P.O. Box 109032 Chicago, IL 60610 Telephone: 877.285.4918 Facsimile: 818.888.1260 Attorneysfor Plaintiff Midland Credit Management, Inc SUPERIOR COURT OF CALIFORNIA, COUNTY OF SANTA CLARA LIMITED CIVIL JURISDICTION Midland Credit Management, Inc, Plaintiff, vs. MERCEDES A KINNER, an individual, et a1., Defendant. Case N0. 21CV381 155 DECLARATION IN SUPPORT OF APPLICATION FOR ENTRY OF DEFAULT JUDGMENT PURSUANT TO CIVIL CODE § 1788.60 The declaration is attached hereto and hereby incorporated herein. DECLARATION IN SUPPORT OF APPLICATION FOR ENTRY OF JUDGMENT OONOUIALNN \O 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 STATE OF CALIFORNIA COUNTY OF Midland Credit Management, Inc, Plaintiff -Vs- DECLARATION OF TAYLOR BERNTSON IN SUPPORT OF JUDGMENT MERCEDES A KINNER, Defendant(s). Taylor Berntson, whose business address is 16 McLeland Road Suite 101 , St. Cloud, MN 56303, certifies and says the following statément in support of Plaintiff‘s Application for Default Judgment: 1. I am an officer for and employed és a Legal Specialist by Midland Credit Management Inc. ("Plaintiff"). I am a competent person over eighteen years of age, and make the statements herein based upon personal knowledge of those account records maintained by Plaintiff. Plaintiff is the current owner of, and/or successor to, the obligation sued upon, and was assigned all the rights, title and interest to Defendant's CITIBANK, N.A. account XXXXXXXXXXXX1807 (MCM Number 305063856) (hereinafter "the account"). 2. I have access to and have reviewed the electronic records pertaining to the account maintained by Plaintiff and am authorized to make this affidavit 0n Plaintifi‘s behalf. The electronic records reviewed consist of data acquired from the seller or assignor when Plaintiff DECLARATION OF TAYLOR BERNTSON IN SUPPORT OF IUDGMENT - 1 305063856 AFFRECMEDIA 4382545 .kwN \OOONQUI 10 11 12 13 14 15 16 17 18 19 20 21 22 24 25 26 27 28 purchased or was assigned the account, together with records generated by Plaintiff in connection With servicing the account since the date Plaintiff purchased or was assigned the account. In addition, I reviewed the documents that are attached to this affidavit. 3. I am familiar with and trained on the manner and method by which MCM creates and maintains its business records pertaining to this account, which consist 0f (i) data and documents acquired from the seller, and (ii) subsequent collection and/or servicing activities by MCM. The records are acquirad or created, and are kept in the regular course ofMCM’s business. It was in the regular course 0f MCM’S business for a person with knowledge of the subsequent collection and/or servicing activities recorded t0 make the‘record 0r data compilation, 0r t0 transmit information thereof t0 be included in such record, or for such, information t0 be posted in MCM’s records by a computer 0r similar digital means. In the regular course 0fMCM’s business, the record. or compilation 0f the subsequent collection activities is made at 0r neat the timé 0f the ad or event by MCM as a’regular practice. 4. On or about 2020-05-28, Midland Credit Management, Inc became the successor in interest to this account. Plaintiff acquired and incorporated the attached account records into its pennanent business records as a result 0f Plaintiff‘s purchase or assignment 0f the account. These records are kept in Plaintifl‘s regular course 0f business and, along with the electronic records provided at the time of purchase or assignment, are Plaintiff‘s primary source 0f business records for this account. 5. The accuracy 0f such records is relied upon by Plaintiif in collecting this account. These records are trustworthy and relied upon because the original creditor was required to keep careful records of the account at issue in this case as required by law and/or suffer business loss. 6. This account was purchased after 2014-01-01 and, therefore, is subject t0 California Civil Code Section 1788.60. 7. In accordance with California Civil Code sections 1788.58(a)(3-8), Plaintiff’s records show the following relevant information concerning the account: DECLARATION OF TAYLOR BERNTSON IN SUPPORT OF JUDGMENT - 2 305063856 ' AFFRECMEDIA 4382545 a. Plaintiff is the sole owner of the account. b. The account was opened on 2015-1 1-03 and charged-ofl 0n 2020-03-15 with a balance of $1,446.02. c. Plaintiff‘s records show that the balance of $1,446.02 remains due and owing as of 2021-05-28. Plaintiff is not seeking t0 recover any post charge-off interest and/or fees that may have been imposed by the charge-off creditor or subsequent purchasers of the debt and is seeking to recover only that portion 0f the charge-off balance that remains due and owing as 0f 2021-05-28. d. The last payment posted to the account on 2019-08-07. e. The charge-ofi creditor name and address at the time 0f charge-off: CITIBANK, N.A., 5800 SOUTH CORPORATE PLACE , SIOUX FALLS, SD 57 1 08 f. The charge-off account number associated with therdebt at time of charge-off was XXXXXXXXXXXX] 807. g. Defendant's name 'and last known address as it appeared in the charge-off creditor or debt owner's records prior to the sale to Plaintiff: MERCEDES A KINNER, 124-215 4750 ALMADEN EXPY, SAN JOSE, CA 951 1 82052 h. The complete chain of title including CITIBANK, NA. and all post charge-Off purchasers/assignees 0f the debt are as follows: I 1. CITIBANK, NA. 5800 SOUTH CORPORATE PLACE,SIOUX FALLS,SD,57108 2. Midland Credit Management, Inc. 350 CAMINO DE LA REINASUITE IOO,SAN DIEGO,CA,92108 8. Plaintiffs records show that Plaintifi 0r its agents méde demand for payment 0f the balance herein prior to making this affidavit and Defendant(s) failed t0 make full payment 0f the amount owed on the account. DECLARATION OF TAYLOR BERNTSON IN SUPPORT OF JUDGMENT - 3 305063856 k ' AFFRECMEDIA ' 4382545 \Om 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 9. Attached hereto as Exhibits A, B, and C are the account records I reviewed in executing the affidavit that relate to the account and/or payment(s) received. ‘ Exhibit A. Chain 0f Title and Seller/Assignor Data Sheet - establishing the facts required under Civil Code sections 1788.58(a)(3), (4), (5), (7) and (8) Exhibit B. Monthly Statement Recording a Purchase Transaction, Payment, or Balance Transfer - establishing the fact required under Civil Code section 1788.58(a)(5) I Exhibit C. Final Billing Statement 0r other Records - establishing the facts required finder Civil Code sections 1788.58(a)(4) and (6) 10. The documents attached hereto are true and Correct copies 0f the originals, being a reproduction 0f Plaintiffs records, based upon my review, except to the extent that confidential and privileged information and/or personal identifying information is omitted or redacted as required by local rules, and applicable state and federal law. 11. If called t0 testify as a witness thereon, I could and would competently testify as t0 all the facts stated herein. I declare under penalty 0f perjury under the laws 0f the State 0f California that the foregoing statements are true and correct. JUN 1 7 282} Date 1L8 5 ' Mandarich Law Grdup, LLP DECLARATION OF TAYLOR BERNTSON IN SUPPORT OF JUDGMENT - 4 305063856 V AFFRECMEDIA 4382545 EXHIBIT A Contract 1D: ENSMUMAAOS 1 6 l 9 Document ID: ENBMUMAAOS l 71 9C3 Document ID: 050520MC1TH1EMB] BILL OF SALE AND ASSIGNMENT THIS BILL OF SALE AND ASSIGNMENT dated May 28, 2020, is by Citibank, N.A., a national banking association organized under the laws ofthe United States, located at 5800 South Corporate Place, Sioux Falls, SD 57108 ("Bank"), to Midland Credit Management, 1nc., a corporation organized under the laws 0f Kansas, with its headquarters/principal place 0f business at 350 Camino De La Reina, Suite 100, San Diego, CA 92] 08 ("Buyer"). For value received and subject t0 the tenns and conditions 0f the Master Purchase and Sale Agreement dated May 16, 2019, between Bank, Department Stores National Bank, and Buyer (the "Master Purchase Agreement"), and that certain Addendum No. 3 dated May 17, 2019, between Bank and Buyer (the “Addendum”, and together with the Master Purchase Agreement, the “Agreement”), the Bank does hereby transfer, sell, assign, convey, grant, bargain, set over and deliver t0 Buyer, and t0 Buyer's successors and assigns, the Accounts summarized 0n the Asset Schedule attached hereto as Exhibit A and included in the Final Electronic File. Capitalized terms not defined herein shall have the definition ascribed in the Agreement. With respect t0 information for the Accounts summarized on the Asset Schedule and included in. the Final Electronic File, the Bank represents and warrants to Buyer that (i) the Account information constitutes the Bank’s own business records and accurately reflects in all material respects the information in the Bank’s database; (ii) the Account information was kept in the regular course 0f business; (iii) the Account information was made at 0r near the time by, 0r from information transmitted by, a person with knowledge of the data entered into and maintained in the Account’s database; and (iv) it 1's the regular practice of the Bank’s business t0 maintain and compile such data. - CITIBAlflK, NA. By: ?IWU /(Si gnature) Name: Steven Dasch Title: Authorized Party W Encore 051619 Contract ID: ENSMUMAAOS I 6 1 9 Document ID: ENBMUMAAOS 1 7] 9C3 Document ID: 050520MC1 TH 1 EMAI Exhibit A t0 Bil]! 0f Sale The individual Accounts transferred are described in the final electronic file named “Encore-THD- Early-Out-Flow-OSZO” delivered by the Bank to Buyer, the same deemed attached hereto by this reference. Sale # of Rate Lot Sale 1D Accounts Sale Amount r Cut-Off Date THD 050520MC1TH1EM - * - “ " " ' 5/5/2020 Early Out ' " Flow Encore 05 '1 6] 9 Contract ID: ENSMUMAA051619 Document ID: EN8MUMAA05 l 7 19C3 Document ID: OSOSZOMC 1TH 1 EMG] AFFIDAVIT OF SALE OF ACCOUNT State 0f Missouri County 0f Platte Terri Bergman, being duly sworn, deposes and says: I am an authorized employee of Citibank, NA. ("CBNA") located at 5800 South Corporate Plate, Sioux Falls, SD 57108, am authorized to make the statements and representations herein, and I am over 18 years of age. In this position, Ihave 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 May 28, 2020, CBNA sold a pool 0f charged-off accounts (the “Accounts") by a Master Purchase and Sale Agreement May 16, 2019, Bill of Sale, and Addendum No. 3 datedea-y 17, 2019, t0 MIDLAND CREDIT MANAGEMENT, INC. As part 0f the sale of the Accounts, certain electronic records were transferred on individual accounts to MIDLAND CREDIT MANAGEMENT, INC. These records were kept in the ordinary course of business 0f creditor. I am not aware 0f any errors in the information provided about the Accounts. The above statements are true to the best of my knowledge. Signed this i >2 day of@LW ,M Terri BergmanU Sworn before me this 6 day 0f ‘ S ncfi V , §OQ-0. CAROLYN E. HUGHES Nota Public - Notary Seal ‘ ~ -- State of issoun’. Jackson County - Commission #14927304 Nomy PUth My Commission Expires Jan 26, 2022 (Notary Seal) "Januaw 26. 2022 My Commission Expires: Encore 05l619 Contract ID: EN8MUMAA05 16 l 9 Document ID: ENSMUMAA051719C3 Document ID: OSOSZOMC 1 TH IEMGI CERTIFICATE OF CONFORMITY STATE OF MISSOURI CITY OF KANSAS CITY The undersigned does hereby certify that he/sllgis an attorney at law duly admitted to practice in the State 0f M‘ssoum and is a resident 0f 95%; County, in the State of ‘MISSOURl ; that he/am is a person duly qualified to make this certificate of conformity pursuant t0 the laws of the Stateof - ' WSSOUR' ; that the foregoing acknowledgment by Terri Bergman named in the foregoing instrument taken before 030W“ E'Fughes a Notary in the State 0f 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. (Q6 «Qoam W bm 5/227 Date fltomey flLaw Encore 05 I619 Field Field Data Account Number -1 807 First Name MERCEDES Middle Name A Last Name KINNER SSN _ Date of Birth Address 1 124-215 Address 2 4750 ALMADEN EXPY City SAN JOSE State CA Zip 951 182052 Home Phone - Open Date 11/03/201 5 Last Purchase Date 09/05/201 9 Last Purchase Amount $26.22 Last Payment Date 08/07/2019 Last Payment Amount $64.00 Sale Amount $1 ,446.02 Charge Off Date 03/15/2020" Charge off Balance $1 ,446.02 Post Charge Off Interest $0.00 Post Charge off Fee $0.00 Post Charge off Payments $0.00 Post Charge off Payments and Credits $0.00 Post Charge off Credits $0.00 Affinity Alternate Account #1 THE HOME DEPOT CONSUMER CREDIT CARD --4445 Account information provided by Citibank, N.A. pursuant to the Bill of Sale/Assignment of Accounts transferred on or about 05/28/2020 in connection with the sale of accounts from Citibank, N.A. to Midland Credit Management, Inc. Encore-THD-EarIy-Out-F‘low-OSZO EXHIBIT B Customer Service: Account Statement Send Notice oi Billing Errors and Customer Service Inquiries to: HOME DEPOT CREDIT SERVICES r ‘ Po Box 790328, St. Louis, M0 63179 z . ‘3 homedepot.comlmycardg ‘ The Home 08pm 1 Accoum Inquiries ' " " H ' " M ".' ‘\ . 1 . I .~ w .7. ' :up ‘1 Consumer Credit Card “800.677.0232 Account Number 1807 r . . W r - NSummary of Account Acttwty Payment Information Previous Balance $1 ,01233 New Balance $971 ‘33 Payments $64.00 Minimum Payment Due $33.00 Other Credits -$0.00 Payment Due Date September 9, 2019 Pumhases +$O'OO 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 a late fee up to $39. Interest Cha rged +$23.00 Minimum Payment Warning: If you make only the minimum payment each New Balance $971 33 period, you will pay more in interest and it will take you longer to pay off your P D $0 00 balance. For example: La“ ”e Amwm ' J “n you makelno aqdméha" “Vow” pay of: me Andyou Wm - Credit Limit $1 1000,00 W sgwgehs Uangh this Gard, balance shown on this end up paying an Available Cred” $28.00 a €30 Imlon YOU Pay statement 1n about... esnmatedrtotal of... Amount Over Credit Limit $000 Oniy the minimum payment 5 years $1 .762 Statement Ciosing Date 08/1 3/201 9 $39 3 years (Sawfgfigsw Next Statement Closing Date 09/12/201 9 ' @ays in Billing Cycle 32 J iyou would like information about credit counseIing services, call 1-877-337-8187. J Your Minimum Payment Due is $33.00. If you paid your non-promotional (revolving) balances and any expiring promotional balances in full on your last statement, you can avoid interest charges on any new non-promotional (revolving) balances and any expiring promotionai balances if you pay $971 .33 by 09/09119, Otherwise, interestwill accrue from your statement closing date until we receive your payment. The “How to Avoid Paying Interest on Purchases’ section on page 2 has more information. Please update your phone number, including cell phone number on the back of the payment coupon. Marketing offers included in this statement are intended for residents of the United States and its Territories. TRANSACTIONS Trans Date Description Reference # Amount 08/07 ONLINE PAYMENT DEERFIELD IL P9194006VEHW9JOQH $ 64.00- FEES S 0.00TOTAL FEES FOR THIS PERlOD F UN TIDE PLEASE SEE IMPORTANT INFORMATION ON PAGE 2. Page 1 of 6 1 5": HD 7 This Account is issued by Citibank, N.A. " P_‘EE 59. ???ED???_FELUI '2 10.“!eJPPflOJl ‘3”.‘5 19k”.BEE?L“. 1‘1“EEEE’PEL 9’99'}; 5.9.13}?PEPE”. EQUIPD IQLZ‘ZUII?EQ’PE -_ _i ................ P.O. Box 790393 St. Louis, MO 63179 statement Enclosed MERCEDES A KINNER 124-215 4750 ALMADEN EXPY SAN JOSE, CA 95118-2052 Your Account Number is- 1807 THE HOME DEPflT homedepatcomldefim Dawnsgbgé Just say when, where and how. O. ‘3K \J:L Payment Due Date September 9, 201 9 New Balance $971.33 Past Due Amount $0.00 Minimum Payment Due $33.00 gAmount Enclosed: $LflL E j_-J__:_[_JH_:§ Please prim address changes on (he reverse side. Make Checks Payable tov HOME DEPOT CREDIT SERVICES PO BOX 78011 PHO'ENIX: AZ 85062-8011 Information About Your Account. How to Avoid Paying Interest on Purchases. Your payment due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your New Balance by the payment due date each month. This is called a grace period on purchases. To get a grace period on purchases you must pay the New Balance by the paym ent due date every billing cycle. 1f you have a balance subject to a deferred interest or 0% APR promotion and that promotion does not expire before the payment due date, that balance (the "excluded balance") is excluded from the amount you must pay in full to get a grace period. However. you must still pay any separately required payment on the excluded balance. In billing cycles in which payments are allocated to deferred interest balances first the deferred interest balance will be reduced before any other ba(ance on the account. However, you will continue to get a grace period on purchases so dong as you pay the New Balance fess any excluded balances In full by the payment due date each billing cycle We may refer to deferred interest promotions as No |nterest promotions . |n addition, certain promotbnal offers may take away the grace period on purchases. Other promotional offers not described above may also allow you to have a grace period on purchases without having to pay all or a portion of the promotional balance by the payment due date. If either is the case, the promotional offer will describe what happens. How We Calculate Your Balance Subject to Interest Rate. For each balance, the letter following the Annual Percentage Rate in the Interest Charge Calculation section on the front of the statement indicates the method we use to calculate interest charges For Methods C, H and M. we use a daify balance method (including current transactions) to calculate interest charges. For Methods I and L we use an average daily balance method (including current transactions) to calculate interest charges. For Method K we use an average daily balance method (excluding current transactions) to calculate interest charges To find out more information about the balance computation method that applies to your account and how the resulting interest charges were determined, contact us at Customer Service number on the front. Other Account and Payment Information. Payment Amount. You may pay all or part 0f 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. If we receive your mailed payment'In proper form at our processing facility by 5 p.m. local time there it will be credited as of that day. A payment received there 1n proper form after that time will be credited as of the next day Aiiow S to? daysfor payments by regular mail to reach us There may be a delay of up to 5 days 1n crediting a payment we receive that ts not 1n proper form or is not sent to the correct address. The correct address for reguiar mail Is the address on the front of the payment coupon. The correct address for express mail is shown in the Express Mail section. Proper Form. For a payment sent by mail or courier to be in proper form. you must: - Enclose a valid check or money order made payable to Home Depot CreditServices. No cash, gift cards, or foreign currency please. ' inciude your name and the last four digits of your account number. Payment Other Than By Mail. - ln-Store Payments. For your added convenience, payments can be made at The Home Depot stores, with no service fee. Any payment in proper form accepted in-store wiH be credited as of that clay] However. credit availability may be subject to verification of funds. Online/AutoPay. Go to the URL on Page 1 of your statement to make a payment online. You can also enrol! in AutoPay and have your payment amount automatically deducted each month from the payment account you choose. - Phone. Call the number on Page] of your statement to make a payment by phone. For phone payments, you authorize us to electronically debit your specified bank account by an ACH transaction in the amount and on the date that you indicate on the phone You may cancel a phone payment by calling us at the Customer Service number at the top of Page1 within the time period disclosed to you on the phone. There 1s no fee for making a payment using our automated voice response system. KEY CREDIT TERMS ‘Promotion Terms ‘ Express Mail. Send payment by express mail to: Consumer Payment Dept. 6716 Grade Lane. Building 9, Suite 910, Louisville. KY 40213. V ' Creditinq Payments other than by Mail. The payment cutoff time for Online bill payments, Phone payments. and Express Mail payments is midnight Eastern timel 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 compiete 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. If you think we reported inaccurate information, please write us at: Credit Bureau Dispute Verification, P,O. Box 6497, Sioux Falls,rSD 57117, Report a Lost or Stolen Card Immediately. Call the Account Inquiries number shown on Page 1. 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 the address for bilting errors and customer service inquiries shown on Page 1 of your statement. In your letter. give us the foilowing 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 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 Ming 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 foliowing are true: ' We cannot try to collect the amount 1n question or report you as delinquent on that amount - The charge in question may rema‘rn 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 paythe amount in question or any interest orother fees related to that amount. - While you do not have to pay the amount in question. you are responsible for the remainder of your balance. ‘ - We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to correct the problem with the merchant you may have the right not to pay the remaining amount due on the purchase. To use this right all of the following must be true: .a ‘ -. The purchase must have been mad'e in y‘our 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 qua My 3. You must not yet have fuliy paid for the purchase If all of the criteria a_bove are met and you are still dissatisfied with the purchase contact us i_n writing at the address for billing errors and customer service inquiries shown on Page1 of your statement. While we investigate the same rules apply to the disputed amount as discussed above After we finish our investigation we wili tell you our decision At that point if we think you owe an amount and you do not pay‘ we may repo‘rt you as delinquent. ' With credit approvai for-qualifying purchases made on The Home Depot or EXPO Design Center Consumer Credit Card. APR: 17.99% - ' 26.99%. Minimum interest charge: $2. See card agreement for details including APR applicab!e to you. Offer valid for consumer accounts in good standing; 6 months everyday credit offer is subjectto change without notice; see store for details. HD-stse-oaoo-ooos-fl-000-28A-//- -o- ~de-//-P-E-Y-o-v-//-o- - - N- - - -//-o- -H59v-//-- -o§o- . -//- -. 49033. -o719 HD APFHQ - 0- O-Il- 01/14119- 11/01/15-45- July 12, 2019 Page 2 of 6 iPlie'ase-pfovide changé of ad_dress and update/add your phone numbers‘here: (Use blue or black ink.) *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 artificiai voice, or a text. Your phone plan charges may appIy. AcCount: 1807 TRANSACTIONS (com) Trans Date Description ~ ' I ‘ Reference # Amount INTEREST CHARGED . - 08/13 INTEREST CHARGE ON PURCHASES $ 23.00 TOTAL INTEREST FOR THIS PERIOD $ 23.00 Total Fees Charged in 201 9 $70.00 Total Interest Charged in 2019 - $1 72.79 ACTIVITY AND PROMOTIONS DETAIL Progggtliaoln Promotion Payments Purchases; Promotion Deferred Pro'motion Trans Trans Previous & Other Fees & Interest New Minimum Interest Expiration Amount ' Date Balance , Credits Other Debits Charged Balance Payment Due Charges Date PURCHASES Revolving Balance > . - - $1,012.33 $64.00- I - $23.00 $971.33 - .: - . - A TOTAL $1,012.33 '"""$54'.oo- > $0.00 $23.00 $971.33 $0.00 , $0.00 "INTEREST CHARGEWCALCULATION ‘ Your Annual Percentage Rate (APR) is the annual interest rate on your ac'cgunt‘ \I 321‘ fi H I. ’33“ PURCHASES _ , A v 7 - . Revolving Balance 25.99% w) = $1 909.54 '- ' $23.00 'cnfi-Azfi“ ‘ ' m@Q Sandlyn Vanity (1004125757) " ' 5‘ A " 1002999459) u 'r ' l“ Vanities gigging fig; M 39* ' ‘ Stop by your flecal "£312 Home Depoia store today. ‘i ii [Eh ' WM” supp'ies ”’3“ . @2019 Home Depot Product Authority, LLC. An rugms reserved. Page 3 or 6 '7 «'2 .K I In honor of The Rome Depot’s 40m Anhivé’rsaW: ‘ give yourself 10% of? using Code THD40. Offer valid through 9/30/1 9? oniine only; Shaplfimawefi Bags, Brfinkware and Mare 3E ?fimeamam i . ©2019 Home Depqt Produpt_Authority. LLC. AH rights reserved. . - . ' F%E mm éaégmmgmm _WEmm?mmmm >. "7-"Enc5m’iestA-e» ¥-l v» --’ H v _~ -‘ M Rip up and haul away carpet I M Basic furnituremo’vin‘g ‘ ‘~ MStairs > _ _ HOME . Visit]homedepo't.¢om/Sérvicés/carhet-‘ihStalféfion EggW 1 ~or call 1-8004HOMEDEP07 for more information. _’ Let us do it for you. ' Minimum purchase amount of $599 to qualify for diswunt on all carpet $1 .25 per sq. fl. and higher. Discount appfiw to total installatk'm job (pmduct + instal! + pad). Ofier excludes carpet. glue-down and commarciat instaflan'ons. Specialty o'r non-standard furniture Rams may requirs an additional fae to move. disassembie. and/or reassemme. Offer applies 10 single family residential onty. Purchase must Indude qualffied pad as damned In The Home Depqw Carpet Buying Guide. Ask an Associate for detalis and pmduct exclusions. The Home Depot focal Service Prov1ders are background checked\ Insured. licensed and/or regls16red. 'ernse or registratlon'numbers had by or on behalf of The Home Depot U.S,A.. Inc. are avaliable at homedepomom/licensenumbers or at the Special Services Daslgin The Home Depot store. State specific licensing information indudes: AL 51289. 1924; AK 25084: AZ R00252435. R00092581; AR 0227191217; CA 602331; CT HIC.533772;_DC'420214000109. 410517000372; FL 090046858. CGC1514813: GA RBCOOOS'ISO. GCGOOOSSAO; HI CT-22120; ID RCE-19883: iA 0091 302; LA 43950. 557308, 8831 62; MD 85434; 421 44; MA 1 12785. CS-1077‘r’4; MI 2101089942 21 021 19059; MN 80147253; MS 2&22-MC; MT 37730; NE 26085; NV 38686: NJ 13VH09277500; NM 86302; NC 31521; ND 29073; OR 95343; The Home Depot USA. mc. ls a Registered GeneraJ Contractor InRhode Island and ns Registration Number ls 9480: SC GLG1101 20;m 47781; UT 286835-5501; VA 27057068841 : WA HOMEDOSBRH; WV WV0361 o4; WI 1046796. 377 2 I‘IPag'ezz'ovf'G‘ Emwswa WATERPMQF ~ v .« -mmg mg Ammm - g "mg pl. Available at pfices to fit any budget. Visit homedepot.com/fldoring today. 1e! v.3 @53v t -' -- m w!Her.“ ' ‘a‘ll‘ii32," 19%. @201 Q‘Home Depot.Prcduci Ammrfty, LLC. Ail.r$ghts-reserved.~. .,-...- ,... ....__..1..... Page 5 of 6 Page 6 ofB EXHIBIT C Account Statement - Send Notice of Billing Errors and Customer Service Inquiries to: ' - HOME DEPOT CREDIT SERWCESCUStomer serwce' PO Box 790328, St‘ Louis, Mo 63179homedepot.com/mycard Account Inquiries: : 1-855-458-7683 . The Home Depot ‘ Consumer CreditCard , _ W , W(Summary of Account Actmty Paxment Information Previous Balance $1 376.1 8 New Balance $1 ,446.02 Payments -$0.00 Minimum Payment Due $571 .OO Other Credits ~$0.00 Payment Due Date April 9, 2020 PurChaseS +$O‘OO Late Payment Warning: If we do not receive your minimum payment by the Fees ChaFQEd +339-00 date listed above, you may have to pay a late fee up t0 $39. IntereSt Charged +$30-84 Minimum Payment Warning: If you make only the minimum payment each New Balance $1 ,44602 period, you will pay more in interest and it will take you longer to pay off your balance Forexample' fast Due Amount $486.00 _ ., Credit Limit ‘ $0.00 W Available Credit $0.00 '- - ~ - » ~ -- -- - ~ ~- ~- ~« -~ Amount Over Credit Limit $446.02 |Only the minimum payment 5 years 1 $2,1 16 Statement Closing Date 03/1 3/2020 r $58 3 years (saviszgw) Next Statement CIosing Date 04/12/2020 g - @ays in Billing Cycle , 31 J If you would like information about credit counseling services, call 1-877-337-8188. J Your Minimum Payment Due is $571 .00. If you paid your non-promotional (revolving) balances and any expiring promotional balances in full on your last statement, you can avoid interest charges on any new non-promotional (revolving) balances and any expiring promotional balances if you pay $1 A4602 by 04/09/20. Otherwise, interest will accrue from your statement closing date until we receive your payment. The "How to Avoid Paying Interest on Purchases.” section on page 2 has more information. Beginning in May, there will be a $5 expedited payment fee to make a same day payment with a customer service agent. To make a payment at any time with no fee, including a same day payment, you can use the automated voice response system or access your account online at homedepot.com/mycard. 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. aHD7 PLEASE SEE IMPORTANT INFORMATION ON PAGE 2. Page 1 of 4 This Account is Issued by Citibank. N.A. ________________"I _ _319%????EEEDgflufl leleLROIUOJLWEE 19L”.EEKTgflL 1°. TEELQEVPPELELQE’H; flelé'DlJPEfl EQU‘E’DlgrioflJ?EOJQE ; _ 1‘1 _ _ _ _ - _ _ _ _ _ _ - _ _ -4 Your Account Number is- 1807 Payment Due Date April 9, 2020 Po. ox 790393 New Balance $1,446.02 St. Louis. MO 63179 Past Due AmountT $486.00 Minimum Payment Due $571.00 '* Wm=.5..~..te_&.}“'a...‘ ‘Q‘KJrvil‘L-m r5U“ w: x. _-emm “cum a h Statement Enclosed g a 5 1 TPast Due Amount is included in the Minimum Paymenl Due‘ Please print address changes on the reverse side. Make Checks Payable tov HOME DEPOT CREDIT SERVICES MERCEDES A KINNER PO BOX 78011 124-215 PHOENIX‘ AZ 85062-8011 4750 ALMADEN EXPY SAN JOSE, CA 951 18-2052 Information About Your Account. How to Avoid Paying Interest on Purchases. Your payment due date is at [east 25 days after the close of each biH'mg cyde. We will not charge you any interest on purchases if you pay your New Balance by the payment due date each month. This is caHed a grace per'wod on purchases. To get a grace period on purchases you must pay the New Balance by the payment due date every billing cycle‘ if you have a balance subject to a deferred interest or 0% APR promotion and that promotion does not expire before the payment due date. that balance (the "excluded balance") is excluded from the amount you must pay In qu to get a grace period‘ Howeven you must still pay any separately required payment on the excluded balance. In biliing cydes in which payments are allocated t0 deferred interest balances first, the deferred interest balance will be reduced before any other balance 0n the account. However, you le continue to get a grace period on purchases so long as you pay the New Ba‘ance less any excluded balances in full by the payment due date each blHing cycle. We may refer to deferred Enterest promonons as No Interest promotions. In addition, certawn promotional offers may take away the grace period on purchases Other promotional offers not described above may also allow you to have a grace period on purchases without having to pay aJI or a portion of the promotional balance bv the payment due date, \f either 15 the case, the promotional offer will describe what happens‘ How We Calculate Your Balance Subject to Interest Rate. For each baiance. the letter foHowing the Annual Percentage Rate in the \nterest Charge CaIcutation section on the front of the statement indicates the method we use to calcumte interest charges. For Methods C, H and M, we use a daily balance method (including current transactions) to caiculate interest charges. For Methous { and L. we use an average dai‘y balance method (Including current transacnons) to calculate interest Charges. For Method K, we use an average daily balance method (excluding current transactions) to calcuIate \nterest charges, To find out more information about the balance computation method that appHes to your account and how the resulting interest charges were deterrrined, contact us at Customer Service number on the front Other Account and Payment Information. Payment Amount. You may Day all or part of vour account balance at any time. However, you must pay. by the payment due date. at least the minimum paymentdue. When Your Payment Will Be Credited. Ifwe receive your mailed payment in proper form at our processing facmtv by S pm. local time there, it will be credited as ot that day A payment received there m proper form after that time wiH be credited as of the next day. Allow 5 f0 7 davs for payments by regu‘ar maH to reach us. There may be a de‘ay of up to 5 days in crediting a payment we receive that is not in proper form or is not sent t0 the correct address. The correct address for regu‘ar maiI is the address on the front of the payment coupon. The correct address for expfess man is shown in the Express Mail section. Proper Form. For a payment sent by mail or courier to be in proper form, you must; - Enclose a valid check or money order made paya ble to Home Depot Credit Services. No cash, gift cards, or foreign currency pIease. - Include your name and the last four digits of your accoun: number. Payment Other Than Bv Mail. ‘ ln-Store Payments. For your added convenience, payments can be made atThe Home Depot stores, with no service fee. Any payment in proper form accepted inrstore will be credited as of that day‘ Howeverl credit availability may be subject to verification of funds. Online/AutoPay. Go to the URL on Pagei 0f your statement to make a payment online. You can also enrofl in Auto Pay and have your payment amount automaticaHy deducted each month from the payment account vou choose. Phone. Cal‘ the number on PageI of your statement to make a payment by phone, For phone payments, you authorize us to electronically debit vsur specified bank account by an ACH transaction in the amount and on the date that you indicate on the phone. You may cancel a phone payment by calling us at the Customer Servlce number at the top of Page} within the time period disclosed to you on the phone. There is no fee for making a payment using our automated voice response system. KEY CREDiT TERMS ‘Promotion Terms - Express Mail. Send payment by express maN to: Consumer Payment Dept, 6716 Grade Lane, Building 9, Suite 910, Louislee, KY 40213. - Creditinq Payments other than by Mail. The payment cutoff time for Online bill payments. Phone payments, and Express MaH payments is midnight Eastern time. This means that we will credit your account as of the calendar day, based on Eastern tim e, that we rece1ve your payment request lf vou send an eligible check with this payment coupon, you authorize us to complete yaur 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. Msc. the check wilt be destroyed. Credit Reporting Disputes. We may report information about vour account to credit bureaus ‘f you think we reported inaccurate information, p‘ease write us at: Credit Bureau Dispute Verification. P40 Box 6497‘ Sloux FaHs, SD 57117‘ Report a Lost or Staten Card Immediately. Call the Account lnquiries number shown on Page 1. 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 the address for bimng errors and customer service inquiries shown on P3991 0f your statement. In your \etter, give us the following information: W. Account information: Your name and account number. 2. Dollar amount: The doHar amount of the suspected error 3, Description of Prob‘em: H you think there is an error on vour bH‘, describe what you behave is wrong and why you believe it is a mistaka You must contact us witmn 6:) days after the error appeared on ysur statement, You must notify us of any potentlal errors in writing. You may call us. but if you do we are not requvred 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 foHowing are true: - We cannot try to collect the amount in qu estion. or report you as de‘inquent 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 wiH not have to pay the amount in question or any interest 0r 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 ba‘ance. - We can appty any unpaid amount against your credit Hmit, Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faxth to correct the problem with the merchant. you may have the right not to pay the remaining amount due on the purchase, To use th‘rs right. aH of the foHowing must be true: 1, The purchase must have been made in vour home state or within WOO mHes 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 maHed to you, or 3f we own the company that sold you the goods or services.) 2, You must have used your credit card for the purchase. Purchases made wnth cash advances from an ATM or thh a check that accesses your Credit card account do not qualify. .You must not yet have quy paid for the purchase. \f all of the criteria above are met and you are still dissatisfied with the purchase, contact us'fl writing at the address for billing errors and custom er service 'mquines shown on Page} of your statement. While we investigate, the same rules app‘v to the disputed amount as discussed above. After we frnish our investigation. we w'wH tat! you our decision, At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. lAJ With credit approval for qualifying purchases made on The Home Depot or EXPO Design Center Consumer Credit Card. APR: 17.99% - ! 26.99%. Minimum interest Charge: $2. See card agreement for details including APR applicable to you. Offer valid for consumer accounts ’ifnigpod standing; 6 months everyday credit offer is subject to change without notice; see store for details. 1 HD - 9196-0400-0005-ll- OOO - 28A -//- E - O - X - 08 -//- P » E - Y » 0 - N -//» 7 - Nr 7 r r//70~ -H59V-//» - -0-Or - v/l- ~ - ~19035- -O719 HD APR‘IQ » >O- O A//- 01/14/207 1UO1/15» 52 7 February 11, 2020 Page 2 of 4 Please provide change of address and update/add your phone numbers‘here: (Use blue or black ink.) ”Cell: *Home: 'Phone: By giving us a cell number or a number iater converted to a ceH number, you agree that we or our service providers can contact you at that number by autodwaler: recorded or anifioia‘ voice, or a text, Your phone plan charges may apply. Account: **** **** **** 1807 TRANSACTIONS Trans Date Description Reference # Amount FEES 03/09 LATE FEE 5 39.00 TOTAL FEES FOR THIS PERIOD S 39.00 INTEREST CHARGED 03/13 INTEREST CHARGE ON PURCHASES $ 3064 TOTAL INTEREST FOR THIS PERIOD S 30.84 { Total Fees Charged in 2020 $117.00 fl I Total Interest Charged in 2020 $86.09 J ACTIVITY AND PROMOTIONS DETAIL Original . Promotion Promotion Payments PUFChaSES, Promotion Daferred Promotion Trans Trans Previous & Other Fees 8. Interest New Minimum !nterest Expiration v- Amount Date Balance Credits Other Debits Charged Balance Pa_yment Due Charges Date PURCHASES Revolving Balance - - $1 ,376‘ 1 8 - $39.00 $30.84 $1 ,44602 - - - TOTAL $1,376.18 $0.00 $39.00 $30.84 $1,446.02 $0.00 $0.00 INTEREST CHARGEWEALCULATION IPURCHASES Revolving Balance $1,397.26 $30.84 Page 3 6f 4 Page 4 of 4
