DeclarationCal. Super. - 6th Dist.April 30, 2021DocuSign Envelope ID: 44134335-60A4-4F87-A92B-E5A12AECOBoe 21CV381 168 \OOOQONUl-PUJNr-n NNNNNNNNNHHr-tr-AHp-Ap-Ap-Ap-AH OOQONM-thHOOOOflONM-wafi-‘O Santa Clara - Civil FLINT c ZIDE, SBN 160369 / JACOB P. WILSON, SBN 331448 LAW OFFICE 0F HARRIS & ZIDE 1445 HUNTINGTON DRIVE, SUITE 300 SOUTH PASADENA CA 91030 TELEPHONE: (626)799-8444 FACSIMILE: (526)799-8419 ATTORNEYS FOR PLAINTIFF Electronically Filed by Superior Court of CA, County of Santa Clara, on 10/21/2021 12:07 PM Reviewed By: D Harris Case #21CV381 1 68 Envelope: 7511321 SUPERIOR COURT OF CALIFORNIA, COUNTY OF SANTA CLARA SAN JOSE COURTHOUSE, CIVIL CASE JEFFERSON CAPITAL SYSTEMS, LLC PLAINTIFF, VS. TAN LAM DEFENDANT(S) CASE NO. 21CV381168 DECLARATION IN SUPPORT OF APPLICATION FOR ENTRY OF JUDGMENT C.C.P.585 (d) The declaration is attached hereto and hereby incorporated herein. DHa rris DocuSign Envelope ID: 441343BS-60A4-4F87-AQZB-E5A1 2AECOBOG 1 FLINT C. ZIDE, STATE BAR #160369 LAW OFFICES OF HARRIS & ZIDE 2 l 1445 HUNTINGTON DRIVE, SUITE 300 SOUTH PASADENA, CA 91030 3 626-799-8444 4 ATTORNEYS FOR PLAINTIFF 5 SUPERIOR COURT OF CALIFORNIA, COUNTY OF SANTA CLARA SAN JOSE COURTHOUSE - LIMITED CIVIL 6 JURISDICTION 7 JEFFERSON CAPITAL SYSTEMS, LLC, Case No. 21CV381168 8 DECLARATION IN SUPPORT OF 9 Plaintiff, APPLICAT1ON FOR ENTRY OF DEFAULT JUDGMENT PURSUANT T0 10 VS‘ CIVIL CODE § 1788.60 TAN LAM, 1 1 Defendant(s). 12 13 14 I, the undersigned, declare as follows: 15 1. lam an authorized representative for JEFFERSON CAPITAL SYSTEMS, LLC (”Plaintiff’) and I am 16 authorized on Plaintiff’s behalf to make the statements, representations and averments herein. 17 2. | am a competent person over eighteen years of age and make the statements herein based 18 upon my personal review of the records pertaining to this account. Plaintiff is the current owner of the obligation sued upon, and was assigned all the rights, title and interest to Defendant(s) 19 account XXXXXXXXXXXX1742 (hereinafter ”the Account"). 20 3. Plaintiff purchases portfolios of delinquent accounts from either the original creditor or a 21 subsequent purchaser of the account. As part of its operations, Plaintiff operates and maintains computer systems into which electronic records and information received from the seller in 22 response to the sale and assignment communication regarding the individual accounts are integrated. 23 24 4. lam familiar with and trained on the mode and method by which Plaintiff’s business records are created and maintained. The records are kept in the regular course of business. It was in the 25 regular course of business for a person with knowledge of the act or event recorded to make the record or data compiiation, or for a person with knowledge to transmit information thereof to 26 be included in such record. In the regular course of business, the record or compilation is made 27 at or near the time of the act or event. 28 S. On or about April 26, 2019, JEFFERSON CAPITAL SYSTEMS, LLC became the successor in interest to this Account. The attached account records were acquired and incorporated into Plaintiff’s DocuSign Envelope ID: 441343BS-60A4-4F87-AQZB-E5A1 2AECOBOG OQOOVQLI‘I-hWNfl NNNNNNNNNH-d-y-IH-dflfl- WQQMAWN-‘OWOOQQMhWNH permanent business records as a result of Plaintiff’s purchase of the Account. These records are kept in the regular course of business on behalf of Plaintiff and, along with other electronic records provided at purchase, are Plaintiff’s primary source of business records for this Account. The accuracy of such records is relied upon by Plaintiff and/or its agents in purchasing and collecting this Account. Federal law required the original creditor to send monthly statements to the Defendant(s) at the address at which the Defendant(s) advised that he/she was residing at the time that he/she established the account, or to any subsequent address provided by the Defendant(s). This Account was purchased after 01-01-2014 and, therefore, is subject to California Civil Code Section 1788.60. In accordance with California Civil Code section 1788.58(a) (3-8), JEFFERSON CAPITAL SYSTEMS, LLC’s records show the following relevant information concerning the Account. Plaintiff is the sole owner of the Account. b. The Account was opened on January 31, 2014 and charged off on March 28, 2019 with a balance of $3,139.92. c. JEFFERSON CAPITAL SYSTEMS, LLC’s records show that the balance of $3,139.92 remains due and owing. Plaintiff is seeking to recover only that portion of the charge off balance that remains due and owing. d. The last payment posted to the Account on August 14, 2018. e. The charge off creditor name and address at the time of charge off: CREDITSHOP CREDIT CARD COMPANY, 504 LAVACA STREET, SUITE 930, AUSTIN, TX 78701 f. The charge off Account number associated with the debt at time of charge off was XXXXXXXXXXXX1742. g. Defendant(s) name and last known address as it appeared in the charge off creditor’s records: TAN LAM 167 PICKFORD AVE, San Jose CA 95127 h. The complete chain oftitle including the charge off creditor and all post charge of'f purchasers of the debt are as follows: OJ H . CREDITSHOP CREDIT CARD COMPANY, 504 LAVACA STREET, SUITE 930, AUSTIN, TX 78701 . Jefferson Capital Systems, LLC, 16 MCLELAND ROAD, SAINT CLOUD, MN 56303N JEFFERSON CAPITAL SYSTEMS, LLC’s records state that JEFFERSON CAPITAL SYSTEMS, LLC or its agents made demand for payment of the balance herein prior to making this affidavit and Defendant(s) failed to make full payment of the amount owed on the Account. 10. 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 of Title and Seller Data Document - establishing the facts required under Civil Code section 1788.58(a)(3), (4), (5), (7) and (8) DocuSign Envelope ID: 441343BS-60A4-4F87-AQZB-E5A1 2AECOBOG N \OOOQONLh-bw 10 11 12 13 l4 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Exhibit B. Last Monthly Statement Recording a Purchase Transaction, Last Payment, or Balance Transfer - establishing the fact required under Civil Code section 1788.58(a)(5) Exhibit C. Final Billing Statement - establishing the facts required under Civil Code section 1788.58(a)(4) and (6) 11. The documents attached hereto are true and correct copies of the originals, being a reproduction of the records on file on behalf of Plaintiff 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 laws. 12. If called upon to testify as a witness thereon, l could and would competently testify as to all the facts stated herein. I declare under penalty of perjury under the laws of the State of California that the foregoing is true and correct. / fl A ’/ Dated: [214/ Affiant Name (Printed) Becky Wittowski .. '7 . ~ J Affiant Signature 1 fl 2 :Z/L :éé ”(1’222%: Affiant Title Custodian of Records County/State Stearns/Minnesota JEFFERSON CAPITAL SYSTEMS, LLC Account # XXXXXXXXXXXX1742 DocuSign Envelope ID: 441343BS-60A4-4F87-AQZB-E5A1 2AECOBOG EXHIBIT A DocuSign Envelope ID: 441343BS-60A4-4F87-AQZB-E5A1 2AECOBOG BILL OF SALE THIS BILL OF SALE (this “Bill of Sale”) is made as 0f the 24th day of March, 2017, by and between Barclays Bank Delaware, a Delaware state bank (“Seller”), and First Bank & Trust, a South Dakota corporation (“Purchaser”). RECITALS WHEREAS, Seller, Purchaser and Credit Shop, Incorporated, a Delaware corporation, entered into that certain Asset Purchase Agreement, dated as 0f the 24th day 0f March, 2017 (the “Purchase Agreement”); and WHEREAS, this Bill 0f Sale is being executed and delivered incident t0 the closing 0f the transactions contemplated pursuant t0 the Purchase Agreement. NOW, THEREFORE, for good and valuable consideration, the receipt and sufficiency 0f which are hereby acknowledged, Seller and Purchaser hereby agree as follows: 1. fl. Effective as 0f the Cut-off Time, (a) Seller hereby sells, conveys and assigns t0 Purchaser, free and clear 0f any Lien (other than any Pemlitted Lien), the Acquired Assets and (b) Purchaser hereby purchases the Acquired Assets. 2. Precautionary Grant 0f Security Interest. The Parties intend that the conveyance 0f Seller’s right, title, and interest in and t0 the Acquired Assets shall constitute an absolute and irrevocable sale, and a valid sale and assignment, but not a secured borrowing, including for accounting purposes. If despite such intention, a court characterizes the sale of the Acquired Assets hereunder as a loan rather than an absolute transfer, then this Bill 0f Sale shall be deemed t0 be, and hereby is a security agreement, within the meaning 0f the Uniform Commercial Code in effect in any relevant jurisdiction, and, for this purpose, Seller hereby grants t0 Purchaser a first priority (subject t0 any Permitted Liens) perfected security interest in, t0 and under all 0f Seller’s right, title and interest whether now owned 0r hereafter acquired, in, t0 and under each and every Acquired Asset transferred t0 Purchaser pursuant t0 this Bill 0f Sale for the purpose 0f securing Seller’s obligations under the Purchase Agreement. In addition, at any time and from time-to-time, at Purchaser’s expense, Seller will promptly and duly execute and deliver 0r will promptly cause t0 be executed and delivered, such further instruments and documents and take such further actions as are reasonably requested by Purchaser and necessary t0 authorize Purchaser t0 file any financing 0r continuation statements under the UCC 0r other Requirements 0f Law in effect in any jurisdiction with respect to the transfer 0f ownership 0f the Acquired Assets. 3. Power 0f Attorney. Seller hereby constitutes and appoints Purchaser the true and lawful agent and attorney in fact 0f Seller, with full power of substitution and resubstitution, in whole 0r in part, in the name and stead 0f Seller but 0n behalf and for the benefit 0f Purchaser and its successors and assigns, from time t0 time: (a) 10 demand, receive and collect any and all 0f the Acquired Assets and t0 give receipts and releases for and with respect t0 the same, 0r any part thereof; DocuSign Envelope ID: 441343BS-60A4-4F87-AQZB-E5A1 2AECOBOG (b) to institute and prosecute, in the name 0f Seller or otherwise, any and all proceedings at law. in equity 0r otherwise, that Purchaser 0r its successors and assigns may deem proper in order t0 collect 0r reduce t0 possession any 0f the Acquired Assets and in order t0 collect 0r enforce any claim or right 0f any kind hereby assigned 0r transferred, 0r intended so t0 be; and (c) t0 d0 all things legally permissible, required or reasonably deemed by Purchaser to be required t0 recover and collect the Acquired Assets and t0 use Seller’s name in such manner as Buyer may reasonably deem necessary for recovery and collection 0f same, Seller hereby declaring that the foregoing powers are coupled with an interest and are and shall be irrevocable by Seller. 4. Terms 0f Purchase Agreement. The representations, warranties, covenants, agreements and indemnities contained in the Purchase Agreement shall not be superseded hereby but shall remain in full force and effect t0 the full extent provided therein. In the event 0f any conflict 0r inconsistency between the terms 0f the Purchase Agreement and the terms hereof, the terms 0f the Purchase Agreement shall govern and control. Capitalized terms used and not otherwise defined herein shall have the meanings ascribed to them in the Purchase Agreement. 5. Countegparts. This Bill 0f Sale may be executed in two (2) counterparts each 0f which may be delivered by facsimile or electronic transmission and both 0f which will together constitute one and the same instrument. Delivery 0f executed copies 0f this Bill 0f Sale may be effected by facsimile, electronic 0r other comparable means. 6. Governing Law. This Bill 0f Sale shall be governed by and construed in accordance with the internal laws 0f the State 0f Delaware without giving effect t0 any choice 0r conflict of law provision or rule (whether 0f the State 0f Delaware or any other jurisdiction) that would cause the application of laws 0f any jurisdiction other than those 0f the State 0f Delaware. [SIGNATURE PAGE TO FOLLOW DocuSign Envelope ID: 441343BS-60A4-4F87-AQZB-E5A1 2AECOBOG IN WITNESS WHEREOF, each of Seller and Purchaser has caused this Bill. of Sale to be duly executed and delivered as of the date first above written. BARCLAYS B K DE AWARE By: /L./ Name: (:qu H9525 I Title: (iha‘wf ngflwhvz: O-m’cef FIRST BANK & TRUST By: Name: Title: DocuSign Envelope ID: 441343BS-60A4-4F87-AQZB-E5A1 2AECOBOG IN WITNESS WHEREOF, each of Seller and Purchaser has caused this Bill of Sale to be duly executed and delivered as of the date first above written. BARCLAYS BANK DELAWARE By: Name: Title: FIRST BANK & TRUST By: .. Name: Dauw Migrate Title: 9“ DocuSign Envelope ID: 441343BS-60A4-4F87-AQZB-E5A1 2AECOBOG CERTIFICATION The undersigned, being duly appointed and currently serving as Vice President of First Bank & Trust (“Seller”), a South Dakota corporation, hereby certifies that the credit card receivables set forth on Exhibit A attached hereto have been sold and transferred by Seller to CreditShop Credit Card Company LLC (“Buyer”), a Delaware limited liability company, pursuant to (i) that certain Receivables Purchase Agreement (the “RPA”), dated as of March 24, 2017, by and among Seller, CC Receivables Acquisition LLC (“CCRA”), a Delaware limited liability company, and Credit Shop, Inc., (“CSI”), a Delaware corporation, and (ii) that certain Assignment, Assumption and Amendment Agreement with Respect to Receivables Purchase Agreement (the “Agreement”), dated as ofNovember 9, 2017, by and among Seller, Buyer, CCRA, CSI, CreditShop Receivables LLC, a Delaware limited liability company, and CreditShop LLC, a Delaware limited liability company. Pursuant to the RPA and the Agreement, Seller may sell Receivables from time to time to Buyer. The date of sale 0f each Receivable sold pursuant t0 the Agreement is listed on Exhibit A attached hereto. [Signature Page Follows] DocuSign Envelope ID: 441343BS-60A4-4F87-AQZB-E5A1 2AECOBOG IN WITNESS WHEREOF, the undersigned has hereunto set his hand as of thisfly of@2019. First Bank& Name: CélDeJongd Title: Vice Presidend DocuSign Envelope ID: 441343BS-60A4-4F87-AQZB-E5A1 2AECOBOG Exhibit A [attached] DocuSign Envelope ID: 441343BS-60A4-4F87-AQZB-E5A1 2AECOBOG CERTIFICATION 0F RECEIVABLES SALES The undersigned, being the duly appointed and currently serving Secretary and General Counsel 0f CreditShop Holdings LLC, the sole member of CreditShop Intermediate LLC, the sole member 0f CreditShop LLC (“Credit Shop”), hereby certifies that: (i) the credit card receivables set forth on Exhibit A attached hereto (the “Receivables”) have been sold and transferred by First Bank & Trust Bank, a South Dakota chartered bank (“FB&T”), to CreditShop Credit Card Company LLC, an affiliate 0f Credit Shop (“Owner”), through the series 0f sales and transfers set forth below; and (ii) that the undersigned is fully authorized t0 execute and deliver this Certificate 0f Receivables Sales in the name 0f and on behalf 0f Credit Shop. 1. Pursuant t0 that Assignment, Assumption and Amendment Agreement with Respect to Receivables Purchase Agreement (“Assignment”), dated as 0f November 9, 2017, by and among FB&T, Credit Shop, Incorporated, CC Receivables Acquisition LLC, CreditShop Receivables LLC, Owner, and Credit Shop, CC Receivables Acquisition LLC assigned to Owner, and Owner assumed, all 0f the rights 0f CC Receivables Acquisition LLC under that Receivables Purchase Agreement (“RPA”), dated as of March 24, 201 7, by and among Credit Shop, Incorporated, FB&T, and CC Receivables Acquisition LLC, to purchase credit card receivables, including the Receivables, from FB&T. 2. Attached hereto as Exhibit B is a list 0f the Receivables that were sold and transferred by FB&T t0 Owner, on 0r after November 9, 2017, pursuant to the RPA and the Assignment. [Signature Page Follows] DocuSign Envelope ID: 441343BS-60A4-4F87-AQZB-E5A1 2AECOBOG IN WITNESS WHEREOF, the undersigned has hereunto set her hand as 0f this let day ofFebruary, 2019. CREDITSHOP LLC By: CreditShop Intermediate LLC Its: Sole Member By: CreditShop Holdings LLC Its: Sole Member By: ?Mii ° Name: Danie] E. Murphy Title: Secretary and General Counsel [Signature Page to Certification ofReceivables Sales] DocuSign Envelope ID: 441343BS-60A4-4F87-AQZB-E5A1 2AECOBOG EXHIBIT A RECEIVABLES DocuSign Envelope ID: 441343BS-60A4-4F87-AQZB-E5A1 2AECOBOG mm LIST 0F RECEIVABLES TRANSFERRED BY RPA AND ASSIGNMENT DocuSign Envelope ID: 441343BS-60A4-4F87-AQZB-E5A1 2AECOBOG EXHIBIT B BILL OF SALE AND ASSIGNMENT OF RECEIVABLES CreditShop Credit Card Company LLC, organized under the laws of Delaware with a place of business at 504 Lavaca Street, Suite 930, Austin, Texas 7870] (“Seller”) hereby absolutely sells, transfers, assigns, sets-over and conveys to Jefferson Capital Systems, LLC, a limited liability company organized under the laws of Georgia with its principal place of business at 16 McLeland Road, St. Cloud MN 56303 ("Buyer") without recourse and without representations or warranties, express or implied, of any type, kind or nature except as set forth in the Agreement (hereinafter defined): (a) all of Seller's right, title and interest in and to each of the Receivables identified in the Receivable schedule attached hereto as Schedule 1 (the "Receivables"), and (b) all principal, interest or other proceeds of any kind with respect to the Receivabies, but excluding any payments or other consideration received by or 0n behalf of Seller on or prior to April 10, 2019 with respect to the Receivables. This Bill of Sale is being executed and delivered pursuant to and in accordance with the terms and provisions of that certain Purchase and Sale Agreement made and entered into by and between the Seller, and the Buyer dated October 31, 2018, (the "Agreement"). The Receivables are defined and described in the Agreement and were conveyed on April 26, 2019, subject to the terms, conditions and provisions set forth in the Agreement. This Bill of Sale shall be governed by the laws of the State ofNew York without regard to the conflicts-of- laws rules thereof. DATED; ) 30 ,2019 .1 V CreditShop Credit Card Company LLC By: CreditShop LLC Its: Sole Member By: CreditShop Intermediate LLC Its: Sole Member By: CreditShop Holdings LLC Its. Solewrfl MA By X Name: Daniel E MurphyV Title: Secretary, General Counsel STATE 0F T&W ) ) ss. COUNTY 0F “Wow ‘> ) 0n thisway of . ft 2019, before me, the undersigned aNotary Public m an“fit State ofTum”): o €uly Emmissioned and stern, personally appeared i‘e Mr me known to be the 6W ah c [corporation/limitcd liabll' company] that executed the foregoing instrument, and acknowledged the said instrumenE be the free and voluntary act and deed ofsaid [corporation/company], for the uses and purposes therein mentioned. Witness my hand and official seal hereto affixed the day and year first above written. 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D : D E L Q 0 4 1 9 C R S H O P 2 0 1 9 0 4 D o c u S i g n E n v e l o p e I D : 4 4 1 3 4 3 B S - 6 0 A 4 - 4 F 8 7 - A 9 2 B - E 5 A 1 2 A E C O B O G E x c e r p t f r o m S a l e F i l e A s s i g n e d t o J e f f e r s o n C a p i t a l S y s t e m s , L L C P u r s u a n t t o t h e b i l l o f s a i e d a t e d 4 / 2 6 / 2 0 1 9 | C h a r g e O f f D a t e | C h a r g e O f f A m o u n t [ P u r c h a s e d B a l a n c e [ L a s t P a y m e n t D a t e [ L a s t P a y m e n t A m o u n t [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] 3 / 2 8 / 2 0 1 9 $ 3 , 1 3 9 . 9 2 $ 3 , 1 3 9 . 9 2 8 / 1 4 / 2 0 1 8 $ 1 0 0 . 0 0 [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] L E G E N D : [ R e d a c t e d ] i n d i c a t e s t h a t a l l d a t a f o r t h e s e r e c o r d s i s r e d a c t e d t o p r o t e c t o t h e r C o n s u m e r s w h o w e r e i n c l u d e d i n t h e s a m e s a l e f i l e b u t n o t p a r t o f t h e c u r r e n t a c t i o n . S o c i a l S e c u r i t y N u m b e r , A c c o u n t N u m b e r , a n d S e l l e r A c c o u n t N u m b e r i n f o r m a t i o n i s m a s k e d t 0 p r e s e n t o n l y t h e l a s t f o u r c h a r a c t e r s i n o r d e r t o p r o t e c t C o n s u m e r i n f o r m a t i o n . J C A P R e f e r e n c e # : 3 4 8 3 2 6 4 0 0 9 P a g e 2 0 f 3 P u r c h a s e d P o o l R e f e r e n c e I D : D E L Q 0 4 1 9 C R S H O P 2 0 1 9 0 4 D o c u S i g n E n v e l o p e | D : 4 4 1 3 4 3 B 5 - 6 0 A 4 - 4 F 8 7 - A 9 2 B - E 5 A 1 2 A E C O B O G E x c e r p t f r o m S a l e F i l e A s s i g n e d t o J e f f e r s o n C a p i t a l S y s t e m s , L L C P u r s u a n t t o t h e b i l l o f s a l e d a t e d 4 / 2 6 / 2 0 1 9 | C o B o r r o w e r N a m e | O r i g i n a l C r e d i t o r [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] B A R C L A Y S B A N K D E L A W A R E [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] [ R e d a c t e d ] L E G E N D : [ R e d a c t e d ] i n d i c a t e s t h a t a l l d a t a f o r t h e s e r e c o r d s i s r e d a c t e d t o p r o t e c t o t h e r C o n s u m e r s w h o w e r e i n c l u d e d i n t h e s a m e s a l e f i l e b u t n o t p a r t o f t h e c u r r e n t a c t i o n . S o c i a l S e c u r i t y N u m b e r , A c c o u n t N u m b e r , a n d S e l l e r A c c o u n t N u m b e r i n f o r m a t i o n i s m a s k e d t o p r e s e n t o n l y t h e l a s t f o u r c h a r a c t e r s i n o r d e r t o p r o t e c t C o n s u m e r i n f o r m a t i o n . J C A P R e f e r e n c e # : 3 4 8 3 2 6 4 0 0 9 P a g e 3 o f 3 P u r c h a s e d P o o l R e f e r e n c e I D : D E L Q 0 4 1 9 C R S H O P 2 0 1 9 0 4 DocuSign Envelope ID: 441343BS-60A4-4F87-AQZB-E5A1 2AECOBOG EXHIBIT B DocuSign Envelope ID: 441343BS-60A4-4F87-AQZB-E5A1 2AECOBOG rfl BARCLAY S Bardaycard Rewards® Mastercard® Statement TAN LAM | Account Ending 4836 | Statement Pe rbd omana-oanma Page 1 of 6 Acwu nt Adi vity Payment Informafion MOLEma BDfo‘IBHB $2.775.“ Stamrmnt Ealame: $233.32 Payments - Thank You - $1 €0.00 Minimum Payr‘nent Due: 5w.23 Fees Charged + mm Payrmnt Due Date. 09Hmaim(“3'9“ -i $3.48 Lie mymmtWaring: If we do not receiveyour minirmm payment bl} themwmammmna = $23393 datelifledabom wumwhwempayalatefeeoflmto $3100- b muggy;an page 35,-, momm“;aw? Mirilmmwwmng: If you make only the minimum payment each Calmlafim scdion- period. you will pay more in inurest and it will take yo.) longer to pay ofi your ’ 5mm dc-HIsbcg-h m pap 2 balance‘ Formme Ifyuumflam ‘I‘ouwlllpyofffln Ardynuwllaflw _ _ addltlonfl ”gnarl; Mmdmnonlhb payingmwmaindintd CredItLIne mkmmdaamMnua staunantlnabom... or... Total Credit Une $0.00 3°" ”3"? _ Induds $0.00cah advance line Onlythe r'nlmr‘num ”years $7‘fioloo AvailableCradit Line $0.00 Pam B “08'171'18 $111.00 3m” $3.9%.00 Availablefor nah adlances $0.“) {56an : $3574.09} ’ If you would like informafion moat crtdft couraeling serum. please callm90-1Ml Poi nts S umma ry Pdm; Earna This pefigd 0 Repayment irlfonnaticrn bled on activity and APWS on yoummta ofme (Ins ingdate. Tdai Points Balance O SEE INSIDE: You mm hareadd'tjond impmmt mesages imide. ’ For dwlssm pag- 3 IDI'ICE: SE WEE SIM DR BI} 0F SI'M'EIIBII' FORIHWM‘I' IIIDMTDN Payment Coupon momma '{j BardafiLE-ccm E] Eardmh‘ofihfiw 353 995mm T"? 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Baths______ - f I - - _ - . - - _ . . ”MAM mam es line Ml MEG”, ‘57 Hcgmn AVE CRFG Inn“ {A 91 316$]? wuosmgmw-zoso IH'I'II-IIII-IIII-II'l'l'l'II'IIIII'"||"'|I'I'IIII-Il'm-IIII IHMN 1.0 1]] DocuSign Envelope ID: 441343BS-60A4-4F87-AQZB-E5A1 2AECOBOG Bardaycard Reward s‘E’ Mastercardg Statement TAN LAM |Account Ending 4836 | Stateme nt PErbd 07f18f13-08f1fl13 Page 2 0f 6 Tranmctions PohtsTrMon Dam hstlng Dan Dwaiwon P{Jymil'l‘lts Aug 14 Aug 14 Payment Received BANR OF THEW Totflpm for 1115 period Pu I’clmsat- Amivitr for TAN LN'JI card synding 4336 No 'l’ra mention Activity at This Tum Tabflpu'diasexfivityfurflfipa'bd * To me acb'vity mrthisImmefiod, visit BardaysUSmm Fees and Interest Trussdion Dam mstlng Dds Dmo‘lptlon l'iL-irs {ZlmrgeL-d No fees rharged for this period Totd fem far tl'is paind IntaL-HL-SI Charged Aug 1? Interst Charge On PurrJ-uaa Tutu intust for 1115 paiod Aug 17 201E ‘rfiyar-to-Datnr Totals Total fees marge: h 201B Total Inharastmama In 2013 Amount WA $100.00 NM -$1mm $0.00 NM. mm Amrlt $0.00 $63.48 $63.48 91m $497.19 TM: h’oar-to-datc summary reflects fit! Fws and Jnkvcsl‘drargtd on M1319flatcmontwifidmhg dams in 311a and docs notmkd any scintqcmt fit' ardfa intros!adftsmwnk Intarest Charge Calculation Dwain Eill'rlg Cycle: 31 Hammond nuance Subm Annual mummy: Imam Type ofBflmm MaEr-d Dam tn htwstlldn mmm Chm Pu rclmgars Standard Purchaes - $l?93.65 26.?49hM $63.48 ’conb'nued on page 3 i:il Enr-tl .1 :l. I" -: r I.. :a ll ~. E :ur-tl .‘u. : H-i |_ i 1-. |' |‘ D1012! 9.0 l_D_o_c_uSign Envelope ID: 441343B5-60A4-4F87-A92B-E5A12AECOBOG Bardaycard Rewardsg Mastercard” Statement TAN LAM [Account Endirg 48% |Shtement Perbd 07/18/18-Ofll‘l7l18 Page 3 of6 Harlot!“ HmSim Anmflhm: In“ Typo of Idem: m EndDu u:lmm m MFR) Cliv- Balance Transfers Sandard Balance TramfarfiChacls - $0.00 26.74%M $0.00 Cash Advances Randud Cash Advance - $0.00 26.99%M $0.00 Totd - $348 Your Anmd Pcmanhpa Rah (APR) is fl'te arms! fleretrate on yuuruount M = Varmle Rah See d'n "Importa't Informatbn‘sectbnofflfiis satanentfor more Honnatbnabom I'nu m .kuhte Emt. AVOIDING INTEREST 0N PURCHASES (GRACE PERIOD): lfpuhaeaofin'auuiomlflflond dynlnrcmbhms.puunanidmnmmunsflmthInWmemmmqnm pullin'nun mmmmalmfee. Mpumbthum Mamwih mAPRgmrfl'mOfiadpl dsomwarpomhflhfllmmyarAmnpummpyirgimmyurmmw WESZJBJZ urbamln induds nM'flmunPammmmnmflamw.mmmmflmfl ofhastafll-hvavdquirylmon Padm'pngmhmm bxkofth‘s5mm forfufludaa‘l. 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In; m Her m; 'ngamma rfile yo: wi IH:H'-~ . mmm 1n 1-Sfirna11tt'r Key Dates SEPTEMBER 21 - Any 1 It phtur pawnlrrltwr srtitdn‘cd :hflsrdzy ocnra‘tc-r'- I I |- ' =“1 31 ”at ' 1‘7'0‘ FT.w lurrlz‘ ur5361].(Pfimsmmailmynantsmti eatkl Ea wwwr a v: In I '-.I r' pup :irl 1a'w' ‘ wu nu! - nly sawmill” - ’vo mtdacdawpaymo sthnwwamlpaylm 'viccpr r1: .o -:u “-t‘u-r-I r4 2.118. «a I nc' lwmm -n yumw n infi marina SEPTEMBER 24 - Bean using your newMemy Mastercard and visitwww.maryardsm to manage your account online. -Flte;nwp Nilivwn mm n nxmm' mdmximin nmhetnaw ”Fr: um; ”qu )l r-nl 1H savagesa 1: Jess _ abs: with M'rjn‘ yuu save recua‘r r12paymean How to make payments beginning September 24th PHONE OR WEBSWE Mm? paw ems u ugl wmmrnautuwcal 0510': m :yy (.1 w: I Bob 68!: 2158. MAIL” rn m 'n me L-dzuvuesl Bux/U-iofil’hmelpm. -vli- ‘10 EXPRESS MAIL M1 at ll; r- t' m I . '- -- '.' ‘- ) ihtf flew; k,|'3F1"-"1 ‘ flak» hi wyi dc: ln Hm hm. Iguulau bl 2H; K fuqmtr ‘1 Ir LR I1.» -I rim: Sl' I J'l :4! Visit BarclaysUSmm or use the Bamlays Mobile App Mmfll‘l DocuSign Envelope ID: 441343BS-60A4-4F87-AQZB-E5A1 2AECOBOG Important Information Iriormation Abel: Credit Mean Report";m mymrm irlommion1m! you accoLn Io cred! bunas. Lac mymens. nissed rnymenm or otlnr dcfalis on you azcoLrl maybe refleclm inyou'cmdil mrnn. Lost or flown Card You credit cad is issued LyBalclqs Berk Delam. If you catd is Ina orsmlm pleme0mm L5 immdamly at BGGBZB-BSQ .1 aw time. Payment hformalion [ah billing cyzlc, ya: must paya Immune Mirimm Pmnr shown on you' mortHyaacmem by iis Payment Due Dan. Both 1m Minimun quam Omani Pam'mtur Daoae mtcdonyoustatemm mu myar home mpwlmyou [09h to BJCL'erSmm At arytimepumq paymaeum tic- Mirimun [’er Due Lp to the fLIl amtn you owe Ls. lm'emr you cam 'rnydaezd'. Tlisum tha if you mymore tlm tlr: neqjlcd Minimun Paynm Duein aw billing qrdc or if you mane more mm ore pmmrl in a billing cyde, you will nil! needm paytm nan morlh's ra'u'mi Mininunmm Due [molt mm Pmmnt Due Dan. Ramnbcf to mace d! duedcs MOUc-m Barb}; Please dim 7 to w ms for the U.S. Postal Sewn: to delwr your payment to ts Upon our recdpt. your wdlahie tredt may not be incremed - bythe payment amoum (or mp to 7 daysto ermre the fins from the bark on which you payment is mmn ire collected and not refined. When you pmu'uea checkmmwm on this Acocmt, you authcn‘mmm eittcrmc finiflonnathn fromya: clflk to malon- a mmim: dectraic and vasfer flan pLI'amour orm plums the myma'n m a chuck lra-saction. Wm we Ln: inicnnau'on fromyou’ ded: m make m electron'c {trad trasfer, {Int may bf: wilhdlzmn fromyou accmrla soona the5am day w: receive ya: ngnnerl, mdyou will not receiveyou (hack back flomyou finmc’al institution For inqi lies. plow: cdl BiiG-QlB-BSE. Mailed Payment A omfcnning paymerl mm: Ly L5 byS run. PIwill becredtcd to youamamthcdqo! receipt. A 'conform‘rg paymmt' is apaynm Ila: l} is ma‘led wing the «dosed Mops znjwmm empon indudad with flis stamina! or ma‘led wim a payment upon prirled fmm Bacla/SUSmm to Badays, RU. Box $51 T, City of indmry, CA 91716-61? atJ 2) is inthe fum of asirge, rurfoldad clack or mamy order made mydflein U.S. dollars frun a LlS. baed irslituion. Aw pqmml mat dammit meet that mm'mmm or av parmem with mltiple dndcsor many orders. aidfiondmm, smes, pamlips, ac. will becorsidL-red a 'mrramform' rg paynerl' whichmq ct‘iaythc cmdfing of the pqmmt fcr Lpto S dap miner Payment Optima: Lek Visit BadafiUSmm to 5:1mm: mamas. Mdjlg To dowrlufl the Battles Mobflc App, ten MOBILE to 5318. flan: Call L5 a MGSZB'EQ ms! wewill processyou’ saynmt. All pamems Irma u‘a web, mdsilo mp or wbyphom hwtm run. ET will be aedmj toyouammm Ila sane day.W: Smd amnignt comer service orU.S.P.S. Prim'tyMail mmmma MMITCO. Cad Sonata. Lod< 80x66”, 255 Corporate P.Ik, SLI'lL-Zm, Monmreyf’ak. Make Changes to your contact information below U BARCLAYS P f6 0‘» 91754 hmum rem'vcdattlis afimbyS pm. PT tha otlm'se misfit rmu'remms oi amdorrnirg wmmwili b: 01:de to ycuracomn tha 5am dq. Hm We Will Colman: Intemn. Wemea mmmdmlla! 'da‘iybum" (indLung new mdmxs}. We cdcuac irlerst sepa'aelyfor each 'Bdm Stbject m Irleresl Rae. ' These indude for 03mph, mama the (urea ran, Edamhm: a the arrerl rac thAdwnzsm tin anerl ram, md dflcmm [mmofiondbum You morlhly billi rig statemerl slows cad- 'Bdm Sth‘pct no Irlcrea Rae. ' To cdculac inmlesL we fi I51 calcuae a da‘lyham for each Balm Subim to lamest Rae. We stan wills the mhme {orfluBdm Stbjecl In Inca Rat; a of the end d theMun dag. We add a'rymm cdalamdm tic preview day'sham (This moms irlemsl iscomma! daily}. Weak! ayr rimMdm Bdm Tra'sfers or (ah kdwmmsm tit woman:ham, suuraa aw new mats arcmits fromthc mpmpriam ham, md mum mlnradptnms A cmdtham is trusted as aham of mm. We then mdtiptyead: da‘lyham lytheqplicdie da'ry pen'aic rate. We dothis foreadn dq; in 1h? billing perm. That 9‘46 Lathe da'lymm. Weajd lp dl thedaily imam for dl ofthcda'ly biarms to get the ma! mast fa 1h: billing period. Accrual of literat am!Hmm Mold Payhg must on Pudmes. ‘I'ou’ du: dae '5 at Im 23 day dtertlr: doseof each billingcyde. OnPuIclmes, irlm beg'mtn acaue :6 d tie trasaclion date. Hormel: )oucm amid pay rg irlerea onPlrclw inam giwn billing q/de ifpumwrSmnem Bdaminful byte Palment Due Due. You ma; dso amid paying interim on Pumas if either Paarqahk or Pa'agmh B d this section mplics topumm. A. H you hamMme bdaneswith aO'i- grandioml APR, 1m cmau'dd paying inwmst on tinemm Mates dring flueplomtimd pen‘cd, and me following Panjqzh B will not aural)! tn your aooom. (However, to amid a late fee, parat lest )OLI' Mirirnun Went me.) E1 If )cu haw Pu'clmc lahmswith a1 APR ma! is greaer than (Pb, mdyoudso hate otrnr lypcsof prancioml bdmoes 0mm:mum. you 51:1! maybe dicta amid pay'rg irtm antics: bdmazsw'nlnu pay'myou Stamina!Mm in ful. H thiswplies to 39w Account. you will seea Paarmhtitled 'Ava'dirg Imam! on Pumas (Cram fbricxfl'Wm dractty belcw the lnmmst Charge Cdclation section on 1h;- fmm of flis Statemem. Tliswill stun: titaan ywcat paybythe mymem me mm afl still avoid interest dages onyouPu’dmewanes Th'samcmtmq difiw from you Staternerl Edam. It ma; difierbeam ymcmenflyfm cu‘tzin premium APR balartts, afl 1m mrpaynerl of these [alarms will mt aflectw gm: period on Pumas, pmuidedpu ray 3| afarbum on gauracan. (Hmm, to amid a late fee, paya Im you MirimLm Palmer! Duc.} For Sam Travers, inmost wfll mfmm tic trauanion damwhich generdly will be the daythc [awe xmrtsflc- Chad; for Cah Adams. imam will accrue fromthe tramion date which gemrdlywill bu: fine dq you tam the CashMm. Hm note ma rudm ofth [qu'xdems whidn include money orders, travelers (Inch foreign cmency, lumry ficms, ganbflng chips and wire tramfm, 3e {ream as (ahAdm Continued on page 6 Name Address City State Zi p Home Phone Work Phone Email Address D101?! 'na'fl DocuSign Envelope ID: 441343BS-60A4-4F87-AQZB-E5A1 2AECOBOG * BARCLAYS f and do not ham a gage period. Ste 30L: Cadmnbemgleanm format: infonnaicn. Wlile we immigalr, the 5am rLlcs apply tome dspuaj ammt a dscmsw amt. mar we firish cu immstigzlim, we wifl tdt you 0U dodsion At tha mint, if \mflinkyw Mnirmm hterat Onrge: Dis fee, ii imposcd main tic Sunrruyof FEB 5a awem anon! and ml do not pamvemm you isdelinmm. 'Mirirnun lrterat Chage' or ”M irirnun Chzrgz. " Hm refer InyourCzdnmtmr Agrcermm for addtiond Mamaion 1111 the moms d Credt Buenu0mm: Ii you bd‘me thatmemywe have maieon ya: aedil bumu 301: Acoumt. report is inxcu’ae or immune, pleat: comm the reponingajm dirmly or oorlzl L5 at Card Smioes, RD. Box BBBWIIm'rgtm, DE 158938801. Hmirrludeyar ram, ‘IUIB Bitchy: Bad: Delmar, mariner FDIC 30L! accam runber, 1m cred! mpmirg germ wherepu reca'wd thebtmm mpm; a description of the mor. andwhyyw beliw: i1 ism erra. We will pmnptly immigate. rmifyyou d ou'finJiIm a'ld send a1 mdzlcm LIE aedl humans if warmadwithinl] dam. What To Do If You Tunic You Find A Mbtake OnYour Stalemalt H 3cm thirlt there is a1 error on 501: slammed, write to t5 a: 0101:“ GU Cad Scnioes - PD. DuwaI Wilmington,K 19mm. In you later, giw L5 ttt- {dlowing informaiorr o Acromt iMorrnaflon You mmeati acomrl nutter. o Della anomt The dollar ancun of tiranpected en'cr. o Dsaiptbnoiproblemrlfymflirktmismmurmmrbill dacritrwhayw beliexc is wrcng anJ wly you Mime 'u is a nistke. You mm comm Ls within GU dqs dtcr the emor qupczmd on you statement. You mLst rmiy L5 ofagrpotcmd errors!!! writing. Youmwdlm, bu Hpudoweale mt mflredtoinmfigaw ay pumid errors mdpu nwhatem paythcamunt in quaticn Mile we irmiigm whetlnr cr mt there h: been a1 ma, the fdbwiruj 321m o We carrot tly tn coiled thezmant in question, or rerun youa ddinqmrl on that anam. o me dflge in qustion mayrerna‘non ymr stamerl, md we ma; commie to cha'gepuimmt on thatamul. Bu, if we dcmrm‘rv: tha we made a m'mdm. you will not lane to pq theamul in qursticn a' ary irlerst a'mmm ndaed to that ancmt. o \Mileyuu do mt hm: to paythcanam in mien you an: responsibb for the reminder ofyur bdame. o Wecm aaplyary ana'damam :93“th acdl limit. Your ng-ts ll You An: Disatbflw WithYou Cred! (ad Purchasa llmu ire dssaisfiedwim the goatorsmioes than 30mm mchaed with 30L: cram card, mdyou law tn'ai ingood fa'th to correct the pmblemwith tMrncrdaI. you mar have 1h: vigil ml Io paythe remaininganunt (inc on tlv:mtthae. To use tll's rigt, d! of the fol lm'irg mLu be Inn. 1. me purltm mm hm:- baen midi: in ycu' lane slate crwitlin 100 niles d pm curent ma' ting aides; mi the rucham ptim lmst haw Loanmom then S5Cl (Me: Ncitluzroftmsccre mcessay if 30L:pwdmewm tmed manWWI we mated to ycu, cr H we own the mn'm'rythat sold ytu the goods or servics} 2. You mlst haul: Lani wLI' crujit czrd for the purine. Purim rmdewithcah mum‘s from am TM or with a dKk tha accuses you trait cadarm do ml qualify. 3. Youmm not yet have fullypa’d for the pxclum |de of the criteria :bwe :rc-mel and 3m are stm dssaisfied with the radian, contact L5 Inmm a: Cad Senions P.O. Boot 8W2 erningtom DC 19899-8m2. '-'|5i1 [' writ: :‘ ‘C-.-:'_=':’: 2r ‘.._- 1| -. [ur--'l:w_ 5 Iii»- Lula H DocuSign Envelope ID: 441343BS-60A4-4F87-AQZB-E5A1 2AECOBOG EXHIBIT C DocuSign Envelope ID: 441343B5-60A4-4F87-A92B-E5A12AECOBOG l_ M E R C U R Y Pasem Account Number XXXX XXXX XXXX 1742 SUMMARY 0F ACCOUNT ACTIVITY February 1a, 2019 - March 17. 2019 Previous Baiance $331 39-92 _ ‘ > 7 Payments - $0.00 NT INFORMATION Other Credits - $0.00 { - Purchasa and Adjustments + $0.00 New Ba'anoe 53,1 39-92 Balance Transfers + $0.00 Minimum Payment Due $251 .20 Cash Advances + $0.00 Payment Due Date 04114/2019 Fees Cha'ge“ + 50-00 Late Pam,“ Warning: Interest Charged + $0.00 If we do not receive your minimum payment by the date listed above. you may have New Balance $3,139.92 ‘0 pay a 'a‘e fee "p ‘° 537‘00' Statement End Date March 17, 2019 Mnlmum PaymentWamlng: Days in Billing Cycle 28 Even if you make no more charges using thls card. ifyou make only the minlmum payment each month we estimate you will never pay off Me balm shwm on this statement because your payment will be less than the interest charged each PaSt Due $21 9'80 month. Overlimit $139.92 If you make more than the minimum payment each period. you wiIl pay less In interest and pay off your balance sooner. For example. if you instead paid $129.00 CRED‘I'UNE SUMMARY per month, you would pay off the balance shown on this statement In around 3 Total Credit Line $3,000.00 k yam A Credit Line for Cash $600.00 Total Available Credit $0.00 Available Credit for Cash $0.00 I ca": 866-686-2158 Ohline: WWW.MERCURYCARDS.COM REWARDS SUMMARY L Mail: CARD SERVICES, P0 BOX 84064. COLUMBUS, GA 31908-4064 J Previous BaIance 0 Earned + O Redeemed - O Other Adjustments O L Current Balance = 0 A Your account is now seven payments past due. Please contact us at (844)325-5884 to discuss your options. 201 9 TOTALS YEAR-TO-DATE Total Fees charged in 2019 $0.00 Total Interest charged in 2019 $0.00 Please tear at perforation and make paymt payable m Card Services. SEE REVERSE FOR IMPORTANT INFORMATION. M E R C U R Y Account Ending 1742 CARD SERV'CES New Balance $3,139.92 PO BOX 84064 _ I COLUMBUS GA 31908-4064 MInImum Payment Due $251.20 Payment Due Date 04/1 4/1 9 D Check here for any address changes and indicate any changes on reverse. Amount Enclosed TAN LAM 167 PICKFORD AVE SAN JOSE CA 95127-2050 " 0041617 CARD SERVICES PO BOX 70168 PHILADELPHIA PA 191 76-01 68 Payment To DocuSign Envelope ID: 441343BS-60A4-4F87-AQZB-E5A1 2AECOBOG |__ Page 2 of 4 Tan Lam Closing Date 03117/201 9 Payments: You may pay all or part of your Account balance, at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date each Billing Period. We cannot accept wire transfers or payments that are electronically transmitted directly to us using our bank routing number. Please do not send posl-dated checks as they will be deposited upon receipt. Late payments. partial payments or payments marked “payment in full" or with any other restrictive endorsement can be accepted by us without losing any of our rights under your Cardmember Agreement. We wifl re-present to your financial institution any payment that is returned unpaid. We may delay increasing your availabIe credit by the amount of any payment that we receive for up to 10 Business Days. When Your Payment Will be Ctedited. It we receive your payment in pr0per form al the ptoper address by 5 p.m. Eastern Time, on a Business Day. it will be credited as of that day. A payment received there in proper form after that lime will be credited as of the next Business Day. If the payment due date falls on a day when we do not receive or accept payments, the payment will not be treated as late if it is credited the next Business Day. Business Day means Monday through Friday. excluding federal holidays. Allow at least 7 days for payments by regular maii 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 not sent to the correct address. The correct address for regular mail is the address on the front of the payment c0upon. The correct address for express mail is Lockbox Services, Box #70168, 400 White Clay Center Dr, Newark, DE 19711. Proper Form: For a payment Sent by regular or express mail, pr0per form is a single check or money order, in U.S. dollars, dtawn on a U.S. institution. with a single payment coupon from your billing statement. Include your name and the last four digits of your Ac00unt number. Unless sent by express mail. please use the envelope we provided. No cash or foreign Currency. No staples or paper clips. No extra pieces of papet. Payment by phone or website: Payments made through our website. www.mercurycards.com, or through the Contact Us phone number shown on front of statement, and completed on a Business Day by midnight Eastern Time, will be credited as of that day. Otherwise, it will be credited on the next Business Day. Electronic Check Conversion: When you provide a check as payment on this ACCOunl, you authorize us to use information from your check lo make a one-time electronic fund transfer from your bank account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your bank account on the same day we receive your payment. and you will not receive your check back from your financial institution. How to Avoid Paying Interest on Purchases: Your due date is at least 23 days after the close of each Billing Pen'od. You will not be charged intetesl on Putchases in a Billing Period in which you pay the New Balance in full by the Payment Due Date. if you don't pay your New Balance in full by the Payment Due Date in a Billing Period, you'll pay interest on existing Purchases, and new Purchases in lhat billing period, from the date they post to your Acc0unt, subject to applicable law. You will pay interest on Baiance Transfers and Cash Advances from the date these Transactions post to your Account. How We Calculate Interest: We calculate interest separately for each diffetent balance. Your billing statement shows each balance in lhe "Balance Subject to Interest Rate." We use the “Daily Balance Method (including Current Transactions)." For each balance, lo determine adaily balance, we start with the beginning balance each day. The beginning balance for the first day of the Billing Period is the balance at the end of the prior Billing Period. Each day, we add any new transactions and fees; subtract any payments or credits applied to that balance; and make other adjustments. We add Balance Transfer fees to the applicable Balance Transfer balance. We add Cash Advance Fees to the applicable Cash Advance balance. We generally add other fees to the standard Purchase balance.We add any interest calculated on the previous day's balance. (This means interest is compounded daily). A credit balance is treated as a balance of zero. This gives us the daily balance. We multiply each daily balance by the applicable daily pen'odic rate. We do this for each day in the billing period. The Balance Subject to Interest Rate is the average of the daily balances, Variable tates: vary with the market based on the Pn'me Rate. Ctedit Reporting: We may teport information about your Account to credit bureaus. Late payments, missed payments, or other defauits on your Account may be reflected in your credit report. If you think we reported inaccurate information lo a credit bureau, write us at the Contact Us Address shown on yout statement and address it to Card Services - Dispute Resolution. Change of Address: If the information on the front of this statement is incorrect, please provide updated information: Name: Address: City: State: Zip: Horne Phone Work Phone Cell Phone Number: Number: Number: By giving us your mobile telephone number, we have your permission to contact you at that number regarding afl accounts you have with us. Your consent allows us to use text messaging. artificial or prerecorded voice messages and automatic dialing technology for Informational and account service calis. but not for telemarketing or sales calls. It may Include calls from companies working on our behalf to servlce your account. Message and data rates may apply. You can change these preferences at anytime by contacting us. DocuSign Envelope ID: 441343B5-60A4-4F87-A92B-E5A12AECOBOG r_ _ Page 3 of 4 Tan Lam Closing Date 03/17/201 9 .. u ST CHARGE CALCULAHON Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject Interest Charge Rate (APR) to Interest Rate Purchase 0.00%(v) $3,139.92 $0.00 Balance Transfer 0.00%(v) $0.00 $0.00 Cash Advance 0.00%(v) $0.00 $0.00 (v) = variable rate Enroll in AutoPay to ensure your payment is made by the due date each month. Visit www.mercurycards.com, select Manage My Account and go to the Pay Bill menu to enroll today. DocuSign Envelope ID: 441343BS-60A4-4F87-AQZB-E5A1 2AECOBOG r Page 4 of 4 Tan Lam Closing Date 03/1 7f2019 How lo Report a Lost or Stolen Card: Call the Contact Us number on the front 0f this statement. What To Do If You Think You Find A Mistake On Your Statement If y0u think there is an error on your statement. write to us at the Contact Us Address shown on your statement and address it to Card Services - Dispute Resolution. In your letter, give us the following information: o Account information: Your name and Account number. o Doflar amount: The dollar amount of the suspected error. o Description ofproblem: 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 y0ur statement. You must notify us of any potential errorsin 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,lhe following are true: o We cannot try to collect the amount in question, or report y0u as delinquent on that amount. o The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. o While you do not have to pay the amount in question. you are reSponsible [or the remainder of your balance. o We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If y0u are dissatisfied with the goods or services that you have pu rchased with your credit card, and you have tried in good faith to correct the problem with the metchant, you may have the right not to pay the remaining amount due on the Purchase. To use this right, all of the following must be true: 1. The Purchase must have been made in y0ur home state or within 100 miles of your current mailing address, and the Purchase price must have been more than $50. (Note: Neither of these is necessary if your Purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the Purchase. Purchases made with Cash Advances from an ATM or with a Check that accesses your credit card Account do not qualify. 3. You must not yet have fuIIy paid for the Purchase. If all of the criteria above are met and you are still dissatisfied wlth the Purchase, contact usin writing at the Contact Us Address shown on your statement and address it to Card Services - DiSpute Resolution. White we investigate. the same ruies apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent.
