Preview
STATE OF MISSOURI )
ys:
COUNTY OF ST, LOUIS)
AFFIDAVIT OF SALE OF ACCOUNT BY CREDITOR
Jackson, being duly swom, deposes and states:
Lam over 18 years of age and not a party to this action, 1 am Collections Manager of U.S.
Bank National Association, a national banking association (“the Bank”). In that position,
1am custodian of the creditor's books and records and ami aware of the process of the
sale and assignment of electronically stored business records.
On or about 02/27/2019. the Bank sold a pool of charged-off accounts (the “Accounts”)
by a Purchase and Sale Agreement and a Bill of Sale to Portfolio Recovery Associates.
LLC. As part of the sale of the Accounts, electronic records and other records were
transferred on individual accounts to the debt buyer. These records were kept in the
ordinary course of business by the Bank.
Tam not aware of any errors in these accounts. The above statements are true to the best
of my knowledge.
Signed this 182 day of APRIL, 2019.
Cathy Eson
Collectipé’s Mana;
U.S. Bénk Nationff Association
Subscribed and sworn to before me, a Notary Public, this _ 1% day of APRIL. 2019.
My Commission Expires:CERTIFICATE OF CONFORMITY
‘The undersigned does hereby certify that he is an attomey at law duly admitted to.
practice in the State of Missouri; that he is a person duly qualified to make this certificate
of conformity pursuant to Section 299-a of the Real Property Law of the State of New
York; that the foregoing acknowledgment by Cathy L. Jackson named in the foregoing
instrument taken before Caroline DeLonga, a notary in the State of Missouri, was taken
in the manner prescribed by such laws of the State of Missouri, being the State in which it
‘was taken; and that it duly conforms with such laws and is in all respects valid and
effective in such state.
oe a Oe
IN WITNESS WHEREOF, I have hereunto set my signatiite, this
David R. Levy
Attorney
day of
April, 2019ww) WebsterBank’
September 2018 Statement
(Open Date: 08/24/2018 Closing Date: 09/24/2018
Visa® Platinum Bonus Rewards Card
MELISSA RINGSTED
Page 1 of 3
Account: a 7621
Cardmember Service ¢ 1-800-558-3424
15
BNK 10 ELN
New Balance ~ $4,515.00 | |Activity Summary
Minimum Payment Due $177.00 | |Previous Balance + $4,588.31
Payment Due Date 10/22/2018 Payments - $93,00¢A8
: Other Credits $0.00
Late Payment Warning: If we do not receive your Purchases $0.00
minimum payment by the date listed above, you may.A have | Balance Transfers $0. 00
eS Pay.up te a $0.00 Late Fee. Advances $0.00
Debits .
Minimum Payment Warning: If you make only the minimum reer oe ed % bo
payment each period, you will pay more in interest and it will Int t chy d $1 9 69
take you longer to pay off your balance. For example: Interest Charge: + $19.69
New Balance = $4,515.00
If you make no You will pay off And you will ,
additional charges | the balance shown end up paying Past Due $87.00
using this card and | on this statement an estimated Minimum Payment Due $177.00
each menth you in about total of... Credit Line $4,500.00
Only the minimum 5 years $5,044 Available Credit _ None
ment Days in Billing Period 32
$135 3 years $4,863 T
(Savings=$181) Reward Points
Eamed This Statement 0
if you would like information about credit counseling services, | Reward Center Balance 3,230
call 866-951-1391. as of 09/23/2018
For details, see your rewards summary.
‘Mail payment coupon
with a check
Payment Options:
Pay online at
Sy myaceountacsess.com
Pay by phone
1-800-558-3424
(
Please detach and send coupon with check payable to: Cardmember Service
@¥) WebsterBank’
24-Hour Cardmember Service: 1-800-558-3424
(
000008384 01 AB 0.408 000638919731373 P Y
to pay by phone
. to change your address
MELISSA RINGSTED
28 BEACH AVE APT 3
TERRYVILLE CT 06786-6320
ET et eee
Account Number a 7621
Payment Due Date 10/22/2018
New Balance $4,515.00
Minimum Payment Due $177.00
Amount Enclosed $.
Cardmember Service
P.O, Box 790408
St. Louis, MO 63179-0408
voleUullWhat To Do If You Think You Find A Mistake On Your Statement
!fyou think there is an error on your statement, please call us at the telephone number on the front of this statement, or write to us at
Cardmember Service, P.O. Box 6335, Fargo, ND 58125-6335.
In your letter or call, give us the following information:
> Account information: Your name and account number.
> Dollar amount: The dollar amount of the suspected error.
> Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
You must contact us within 60 days after the error appeared on your statement. While we investigate whether or not there has been an error.
the following are true:
> We cannat try to collect the amount in question, or report you as delinquent on that amount.
> The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine
that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.
> While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
» We can apply any unpaid amount against your credit limit.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
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:
J. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must
have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we
own the company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses
your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.
if all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Cardmember Service, P.O. Box
6335, Fargo, ND 58125-6335. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our
investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent.
Important Information Regarding Your Account
1. INTEREST CHARGE: Method of Computing Balance Subject to interest Rate: We calculate the periodic rate or interest portion of the
INTEREST CHARGE by multiplying the applicable Daily Periodic Rate ("DPR") by the Average Daily Balance ("ADB") (including new
transactions) of the Purchase, Advance and Balance Transfer categories subject to interest, and then adding together the resulting interest
from each category. We determine the ADB separately for the Purchases, Advances and Balance Transfer categories. To get the ADB in
each category, we add together the daily balances in those categories for the billing cycle and divide the result by the number of days in the
billing cycle. We determine the daily balances each day by taking the beginning balance of those Account categories (including any billed but
Unpaid interest, fees, credit insurance and other charges), adding any new interest, fees, and charges, and subtracting any payments or
credits applied against your Account balances that day. We add a Purchase, Advance or Balance Transfer to the appropriate balances for
those categories on the later of the transaction date or the first day of the statement period. Billed but unpaid interest on Purchases, Advances
and Balance Transfers is added to the appropriate balances for those categories each month on the statement date. Billed but unpaid
‘Advance Transaction Fees are added to the Advance balance of your Account on the date they are charged to your Account. Any billed but
unpaid fees on Purchases, credit insurance charges, and other charges are added to the Purchase balance of the Account on the date they
are charged to the Account. Billed but unpaid fees on Balance Transfers are added to the Balance Transfer balance of the Account on the
date they are charged to the Account. In other words, billed and unpaid interest, fees, and charges will be included in the ADB of your
Account that accrues interest and will reduce the amount of credit available to you. To the extent credit insurance charges, overlimit fees,
Annual Fees, and/or Travel Membership Fees may be applied to your Account, such charges and/or fees are not included in the ADB
calculation for Purchases until the first day of the billing cycle following the date the credit insurance charges, overlimit fees, Annual Fees
and/or Travel Membership Fees (as applicable) are charged to the Account. Prior statement balances subject to an interest-free period that
have been paid on or before the payment due date in the current billing cycle are not included in the ADB calculation.
2. Payment Information: You must pay us in U.S. Dollars with checks or similar payment instruments drawn on a financial institution located
'n the United States. We will also accept payment in U.S. Dollars via the internet or phone or previously established automatic payment
transaction. We may, at our option, choose to accept a payment drawn on a foreign financial institution. However, you will be charged and
agree to pay any collection fees required in connection with such a transaction. The date you mail a payment is different than the date we
receive that payment. The payment date is the day we receive your check or money order at Cardmember Service, P.O. Box 790408, St.
Louis, MO 63179-0408 or the day we receive your electronic or phone payment. All payments by check or money order accompanied by a
payment coupon and received at this payment address will be credited to your Account on the day of receipt if received by 5:00 p.m. CT on
any banking day. Mailed payments that do not include the payment coupon and/or are mailed to a different address will be processed within
5 banking days of receipt and credited to your Account on the day of receipt. In addition, if you mail your payment without a payment coupon
or to an incorrect address, it may result in a delayed credit to your Account, additional INTEREST CHARGES, fees, and possible suspension
of your Account. Intemet and telephone payment options are available, and crediting times vary (but generally must be made before 5:00 p.m.
CT to 8 p.m. CT depending on what day and how the payment is made). If you are making an internet or telephone payment, please contact
Cardmember Service for times specific to your Account and your payment option. Banking days are all calendar days except Saturday,
Sunday and federal holidays. Payments due on a Saturday, Sunday or federal holiday and received on those days will be credited on the day
of receipt. There is no prepayment penalty if you pay your balance at any time prior to your payment due date.
3. Credit Reporting: We may report information on your Account to Credit Bureaus. Late payments, missed payments or other defaults on
your Account may be reflected in your credit report,w WebsterBank’
[September 2018 Statement 08/24/2018 - 09/24/2018
Page 2 of 3
MELISSA RINGSTED Cardmember Service ¢ 1-800-558-3424
Rewards Center Activity as of 09/23/2018
Rewards Center Activity” 0
Rewards Center Balance 3,230
*This item includes points redeemed, expired and adjusted.
This Year
Rewards Earned Statement to Date
Points Earned on Net Purchases 0 841
25% Monthly Bonus 0 210
Total Earned 0 1,05:
Importe
Paying Interest: You have a 24 to 30 day interest-free period for Purchases provided you have paid your
previous balance in full by the Payment Due Date shown on your monthly Account statement. In order to
avoid additional INTEREST CHARGES on Purchases, you must pay your new balance in full by the
Payment Due Date shown on the front of your monthly Account statement.
There is no interest-free period for transactions that post to the Account as Advances or Balance Transfers
except as provided in any Offer Materials. Those transactions are subject to interest from the date they post
to the Account until the date they are paid in full.
If you believe we have inaccurately reported information to any Consumer Reporting Agency, you may
submit a dispute by writing to us. In order for us to assist you with your dispute, you must provide your
name, address, phone number, account number, the speCific information you are gisputing, the explanation
of why it is incorrect, and any supporting documentation (e.g., affidavit of identity theft), if applicable, to:
Elan Financial Services
Consumer Recovery Department
Attn: CBR Disputes
P.O. Box 108
St Louis, MO 63166-0108
** IMPORTANT CARDMEMBER ALERT *** The minimum payment includes a past due amount which is
payable immediately upon receipt of this statement. If the amount has already been mailed, please disregard
this notice. PLEASE CALL US at 1-866-951-3862 or GO ONLINE to WWW.MYACCOUNTACCESS.COM,
login or enroll in Online Account Access to review your payment options.
Each time you or a third party on your behalf, pays your bill by personal check, you authorize us to convert
that payment into an electronic debit. If the chec!
is processed electronically, the checking account will be
debited for the amount on the check and the debit will appear on your account statement. If you have any
questions, please contact us at the Inquiries phone number located on this statement.
Transactions Z
Payments and Other Credits
Post Trans
Date Date Ref# Transaction Description
09/24 09/24 0000 PAYMENT THANK YOU
TOTAL THIS PERIOD
Continued on Next Page
Amount
$93,00cR
$93.00cR@) WebsterBank’
September 2018 Statement 08/24/2018 - 09/24/2018 Page 3 of 3
MELISSA RINGSTED Cardmember Service ¢ 1-800-558-3424
interest Charged
Post
Date Transaction Description Amount
o9/e4 INTEREST CHARGE ON PURCHASES $19.69
TOTAL INTEREST THIS PERIOD. $19.69
Total Fees Charged in 2018
Total Interest Charged in 2018
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
** APR for current and future transactions.
Balance Annual Expires
Balance Subject to Interest Percentage with
Balance Type By Type Interest Rate Variable Charge Rate Statement
“BALANCE TRANSFER $0.00 $0.00 $0.00 4.90%
~PURCHASES $4,515.00 $4,585.40 $19.69 4.90%
**ADVANCES $0.00 $0.00 $0.00 4.90%
bs
( Phone Questions Mail payment coupon
with a check
Voice: 1-800-558-3424 Cardmember Service Cardmember Service myaccountaccess.com
TDD: 1-888-352-6455 P.O. Box 6354 P.O. Box 790408
Fax: 1-866-616-1750 Fargo, ND 58125-6354 St. Louis, MO 63179-0408
End of StatementCHARGE OFF DATE 20190131
LAST PURCHASE DATE 20180626
FIRST NAME MELISSA
DATE OF LAST COMMENT
ACCOUNT NUMBER seeeennees
TOTAL PAYMENTS SINCE 0
PLACE OF EMPLOYMENT
LAST NAME RINGSTED
INTEREST CHARGE OFF 00000015229
DOB Tone
2ND LAST NAME
LAST PAYMENT DATE 20180924
CITY TERRYVILLE
USER ALPHA 2 WEBSTER BANK NA TERRYVILLE
USER ALPHA 1 ELAN
TAX NUMBER Tonka
REC PRIN 00000000000
REC INT 00000000000
REC COST 00000000000
OFFICE PHONE
LAST COMMENTS 1
DATE ASSIGNED
2ND FIRST NAME
ZIP 06786-6320
RECOVERY COSTS 00000000000
RECOVERER CODE PFSH
REC LATE FEES 00000000000
LATE FEES CHARGE OFF __|00000000000
LAST INTEREST DATE 20190131
HOME PHONE
CO DEBTOR SSN
CO DEBTOR FIRST NAME
ADDRESS2
ACCOUNT STATUS PSL
ADDRESS OF EMPLOYER
TRAN AMOUNT 00000000000
REC OTHER FEES 00000000000
INTERNAL SYSTEM FILE # |4603289
ICSPRODUCT 8350
CLOSED DATE 1-AUG-18
CELL PHONE
BALANCE 000458938
CO DEBTOR LAST NAME
STATE CT
ORIGINAL CO AMOUNT 0000000458938
LOAN TYPE CODE 0317
LAST STATUS CODE NEWLAST COMMENTS 2
DELINQUENCY DATE 20181023
CONTRACT DATE 20170301
ADDRESS 1 28 BEACH AVE APT 3
OTHER FEES CHARGE OFF
00000000000
OFFICER CODE
DEF
LAST COMMENTS 3.
INTEREST RATEAFFIDAVIT
Commonwealth of Virginia
City of Norfolk ss.
Shawnishia Sessoms
I, the undersigned, , Custodian of Records, for Portfolio Recovery Associates, LLC
hereby depose, affirm and state as follows:
1 I am competent to testify to the matters contained herein.
2. 1am an authorized employee of Portfolio Recovery Associates, LLC, (“Account Assignee”) which is doing business
at Riverside Commerce Center, 120 Corporate Boulevard, Norfolk, Virginia, and I am authorized to make the statements,
Tepresentations and averments herein, and do so based upon a review of the business records of the Original Creditor U.S.
BANK NATIONAL ASSOCIATION D/B/A ELAN FINANCIAL SERVICES and those records transferred to Account
Assignee from U.S. BANK NATIONAL ASSOCIATION (“Account Seller”), which have become a part of and have
integrated into Account Assignee’s business records, in the ordinary course of business. The attached documents are true
copies of the originals except to the extent that confidential and privileged information is omitted or redacted and personal
identifying information is omitted or redacted as required by local rules, and applicable state and federal law.
3. According to the business records, which are maintained in the ordinary course of business, the account, and all
proceeds of the account are now owned by the Account Assignee, all of the Account Seller’s interest in such account having
been sold, assigned and transferred by the Account Seller on 02/27/2019. Further, the Account Assignee has been assigned
all of the Account Seller’s power and authority to do and perform all acts necessary for the settlement, satisfaction,
compromise, collection or adjustment of said account, and the Account Seller has retained no further interest in said account
or the proceeds thereof, for any purpose whatsoever,
4. According to the records transferred to the Account Assignee from Account Seller, and maintained in the ordinary
course of business by the Account Assignee, there was due and payable from MELISSA RINGSTED (“Debtor and Co-
Debtor”) to the Account Seller the sum of $4,589.38 with the respect to account number ending in 7621 as of the date of
01/31/2019 with there being no known un-credited payments, counterclaims or offsets against the said debt as of the date
of the sale,
5. According to the account records of said Account Assignee, after all known payments, counterclaims, and/or setoffs
occurring subsequent to the date of sale, Account Assignee claims the sum of $4,589.38 as due and owing as of the date of
this affidavit.
6. Plaintiff believes that the defendant is not a minor or an incompetent individual, and declares that the Defendant is
not on active military service of the United States.
Portfolio mea LLC
sjhawnishia Ses: i
Shawnishia Sessoms , Custodian of Records
Subscribed and swoyn to before me on MAR-0-6-2020
By:
* Nafaty aplig 2
cone Ne re7e276
My Commiseidn Expires 07/31/2020.
v2@ WebsterBank’
January 2019 Statement
Open Date: 12/25/2018 Closing Date: 01/24/2019
Visa® Platinum Bonus Rewards Card
MELISSA RINGSTED
ET
Minimum Payment Warning: if you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
‘You will pay off
the balance shown
‘on this statement
in about...
And you will
‘end up paying
an estimated
total of...
additional charges
using this card and
each month you
it you would like information about credit counseling services,
call 866-951-1391.
Mall payment coupon
with a check
Payment Options:
Please detach and send coupon with check payable to: Cardmember Service
w WebsterBank’
24-Hour Cardmember Service: 1-800-558-3424
(
000009147 01 AB 0.408 000638996112985 P Y
. to pay by phone
, to change your address
MELISSA RINGSTED
28 BEACH AVE APT 3
TERRYVILLE CT 06786-6320
Hebd Ee eh
Page 1 of 2
Account: is 7621
Cardmember Service ¢ 1-800-558-3424
BNK 10 ELN 8 15
Activity Summary
Previous Balance
Payments
Other Credits
Purchases
Balance Transfers
$4,570.37
Fees Charged
Interest Charged
New Balance
Past Due
Minimum Payment Due
Credit Line
Available Credit
Days in Billing Period
Pay ontine at
Nea ‘myaccountaccess.com
Pay by phono
1-800-558-3424
(
Account Number
Payment Due Date
New Balance
Minimum Payment Due
Amount Enclosed
Cardmember Service
P.O. Box 790408
St. Louis, MO 63179-0408.
be E! Mp Eyed tet ged yengtfedete dt hy foe ety tonyy‘What To Do If You Think You Find A Mistake On Your Statement
Hf you think there Is an error on your statement, please call us at the telephone number on the front of this. ‘statement, or write to us at:
Cardmember Service, P.O. Box 6335, Fargo, ND 58125-6335,
In your letter OF call, give us the following information:
count
P Acc formation: Your name and account number.
> Dollar amount: The dollar amount of the suspected error.
> Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
ru eet us within 60 days after the error appeared on your statement. While we investigate whether of not there has been an error,
ing are true:
> We cannot try to collect the amount in question, or report you as delinquent on that amount.
> ‘The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, If we determina:
that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.
> While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
D> We can any unpaid amount st credit limit.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
Ht 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
4. The purchase must have bean made in your home state or within 100 miles of your currant mailing address, and the purchase price must
have been more than $50. (Note: Neither of these are necessary it your purchase was based on an advertisement we mailed to YOU, or if we
)
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Cardmember Service, P.O. Box
6335, Fargo, ND 58125-6335. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our
investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent.
Important information Regarding Your Account
1, INTEREST CHARGE: Mathod of Computing Balance Subject to Interest Rate: We calculate the periodic rate or interest portion of the
billing cycle. We determine the daily balances each day by taking the beginning balance of those Account categories (including any billed but
and/or Travel Membership Fees (as applicable) are charged to the Account, Prior statement balances ‘subject to an interest-free period that
have been paid on or before the payment due date in the current billing cycle are not included in the ADB calculation.
2. Payment Information: You must pay us in U.S. Dollars with checks or similar payment instruments drawn on a financial institution located
in the United States. We will also accept payment in U.S. Dollars via the Internet or phone or previously established automatic payment
agree to pay any collection fees required in connection with such a transaction. The date you mail 2 payment is different than the date we
receive that payment, The payment date is the day we receive your check or money order at Cardi
Louis, MO 63179-0408 or the day we receive your electronic or phone. payment. All payments by check or money order accom bya
payment coupon and received at this payment address will be credited to your Account on the day of receipt if received by 5:00 p.m. CT on
any banking day. Mailed payments that do not include the payment coupon and/or are mailed to a different address will be processed within
5 banking days of receipt and credited to your Account on the day of receipt. In addition, if Yeu mail your payment without a payment coupon
or to an incorrect address, it may result in a delayed credit to your Account, additional INTEREST Cl \RGES, fees, and possible suspension
‘of your Account. Internet and one aymant options are available, and crediting times vary (but generally must be made betore 5:00 p.m,
C7 to 8 p.m. CT depending on what day and how the payment is made). If you are making an intemat or telephone payment, please contact
Gardmember Service for times specific to your Account and your payment option. Banking days are all calendar days except Saturday,
Sunday and federal holidays. Payments due on a Saturday, Sunday or federal holiday and received on those days will be credited on the day
of receipt. There is no prepayment Penalty if you pay your balance at any time prior to your payment due date.
3. Credit Reporting: We may report information on your Account to Credit Bureaus. Late payments, missed payments or other defaults on
your Account may be reflected in your credit report.@®) WebsterBank’
January 2019 Statement 12/25/2018 - 01/24/2019 Page 2 of 2
MELISSA RINGSTED Cardmember Service ¢ 1-800-558-3424
Paying Interest: You have a 24 to 30 day interest-free period for Purchases provided you have paid your
previous balance in full by the Payment Due Date shown on your monthly Account statement. In order to
avoid additional INTEREST CHARGES on Purchases, you must pay your new balance in full by the
Payment Due Date shown on the front of your monthly Account statement.
There is no interest-free period for transactions that post to the Account as Advances or Balance Transfers
except as provided in any Offer Materials. Those transactions are subject to interest from the date they post
to the Account until the date they are paid in full.
if you believe we have inaccurately reported information to any Consumer Reporting Agency, you may
submit a dispute by writing to us. In order for us to assist you with your dispute, you must provide your
name, address, phone number, account number, the specific information you are disputing, the explanation
of why it is incorrect, and any supporting documentation (e.g., affidavit of identity theft), if applicable, to:
Elan Financial Services
Consumer Recovery Department
Attn: CBR Disputes’
P.O. Box 108
St Louis, MO 63166-0108
*** SERIOUS COLLECTION ALERT *”* Your account is seriously overdue. We have very attractive
settlement and reduced interest / Rayment programs. PLEASE CALL US at 1-866-951-3862 or GO ONLINE
fo WWW.MYACCOUNTACCESS.COM and login or enroll in Online Account Access to review your options.
Each time you or a third party on your behalf, pays your bill by personal check, you authorize us to convert
that payment into an electronic debit. If the check is processed electronically, the checking account will be
debited for the amount on the check and the debit will appear on your account statement. If you have any
questions, please contact us at the Inquiries phone number located on this statement.
Interest Charged
Post
Date Transaction Description Amount
o124 INTEREST CHARGE ON PURCHASES $19.01
TOTAL INTEREST THIS PERIOD $19.01
UES
Total Fees Charged in 2019
Total Interest Charged in 2019
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
**APR for current and future transactions.
Balance Annual Expires
Balance Subject to interest Percentage with
Balance Type By Type Interest Rate Variable Charge Rate Statement
“"BALANCE TRANSFER $0.00 $0.00 $0.00 4.30%
““PURCHASES $4,589.38 $4,570.37 $19.01 4.90%
“"ADVANCES $0.00 $0.00 $0.00 4.90%
End of StatementEXHIBIT B
BILL OF SALE AND ASSIGNMENT OF ASSETS
Forvaluereceived, the undersigned Assignot (“Aasignor") hereby absolutely sells, transfers,
sents sts-o¥et uitclaims and conveys to Portfolio Recovery Associates, LLC, a limited Habilty
jompany organized under the laws of Delaware (“Assignee”), all of Assignor's right, title and interest
in and to cachi of tho assets identified in the Asset Schednle attached hereto as
BARDIA (the “Assety"), together with the rit to collect all principal, interest or other proceeds of
any kind with respect to the Assets remaini ‘due and owing as of the date hereof (including but not
Limited to proceeds derived ffoa the conversion, voluntary or involuntary, of any of the Acces ines
‘ash or other liquidated property including, without limitation, insurance proceeds and condemnation
awards), from and after the date ofthis Bill of Sale and Assignment of Assets,
DATED: February 27, 2019
Title: Vice President - Collections Manager
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STATE OF MISSOURI ) ys: COUNTY OF ST, LOUIS) AFFIDAVIT OF SALE OF ACCOUNT BY CREDITOR Jackson, being duly swom, deposes and states: Lam over 18 years of age and not a party to this action, 1 am Collections Manager of U.S. Bank National Association, a national banking association (“the Bank”). In that position, 1am custodian of the creditor's books and records and ami aware of the process of the sale and assignment of electronically stored business records. On or about 02/27/2019. the Bank sold a pool of charged-off accounts (the “Accounts”) by a Purchase and Sale Agreement and a Bill of Sale to Portfolio Recovery Associates. LLC. As part of the sale of the Accounts, electronic records and other records were transferred on individual accounts to the debt buyer. These records were kept in the ordinary course of business by the Bank. Tam not aware of any errors in these accounts. The above statements are true to the best of my knowledge. Signed this 182 day of APRIL, 2019. Cathy Eson Collectipé’s Mana; U.S. Bénk Nationff Association Subscribed and sworn to before me, a Notary Public, this _ 1% day of APRIL. 2019. My Commission Expires:CERTIFICATE OF CONFORMITY ‘The undersigned does hereby certify that he is an attomey at law duly admitted to. practice in the State of Missouri; that he is a person duly qualified to make this certificate of conformity pursuant to Section 299-a of the Real Property Law of the State of New York; that the foregoing acknowledgment by Cathy L. Jackson named in the foregoing instrument taken before Caroline DeLonga, a notary in the State of Missouri, was taken in the manner prescribed by such laws of the State of Missouri, being the State in which it ‘was taken; and that it duly conforms with such laws and is in all respects valid and effective in such state. oe a Oe IN WITNESS WHEREOF, I have hereunto set my signatiite, this David R. Levy Attorney day of April, 2019ww) WebsterBank’ September 2018 Statement (Open Date: 08/24/2018 Closing Date: 09/24/2018 Visa® Platinum Bonus Rewards Card MELISSA RINGSTED Page 1 of 3 Account: a 7621 Cardmember Service ¢ 1-800-558-3424 15 BNK 10 ELN New Balance ~ $4,515.00 | |Activity Summary Minimum Payment Due $177.00 | |Previous Balance + $4,588.31 Payment Due Date 10/22/2018 Payments - $93,00¢A8 : Other Credits $0.00 Late Payment Warning: If we do not receive your Purchases $0.00 minimum payment by the date listed above, you may.A have | Balance Transfers $0. 00 eS Pay.up te a $0.00 Late Fee. Advances $0.00 Debits . Minimum Payment Warning: If you make only the minimum reer oe ed % bo payment each period, you will pay more in interest and it will Int t chy d $1 9 69 take you longer to pay off your balance. For example: Interest Charge: + $19.69 New Balance = $4,515.00 If you make no You will pay off And you will , additional charges | the balance shown end up paying Past Due $87.00 using this card and | on this statement an estimated Minimum Payment Due $177.00 each menth you in about total of... Credit Line $4,500.00 Only the minimum 5 years $5,044 Available Credit _ None ment Days in Billing Period 32 $135 3 years $4,863 T (Savings=$181) Reward Points Eamed This Statement 0 if you would like information about credit counseling services, | Reward Center Balance 3,230 call 866-951-1391. as of 09/23/2018 For details, see your rewards summary. ‘Mail payment coupon with a check Payment Options: Pay online at Sy myaceountacsess.com Pay by phone 1-800-558-3424 ( Please detach and send coupon with check payable to: Cardmember Service @¥) WebsterBank’ 24-Hour Cardmember Service: 1-800-558-3424 ( 000008384 01 AB 0.408 000638919731373 P Y to pay by phone . to change your address MELISSA RINGSTED 28 BEACH AVE APT 3 TERRYVILLE CT 06786-6320 ET et eee Account Number a 7621 Payment Due Date 10/22/2018 New Balance $4,515.00 Minimum Payment Due $177.00 Amount Enclosed $. Cardmember Service P.O, Box 790408 St. Louis, MO 63179-0408 voleUullWhat To Do If You Think You Find A Mistake On Your Statement !fyou think there is an error on your statement, please call us at the telephone number on the front of this statement, or write to us at Cardmember Service, P.O. Box 6335, Fargo, ND 58125-6335. In your letter or call, give us the following information: > Account information: Your name and account number. > Dollar amount: The dollar amount of the suspected error. > Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. While we investigate whether or not there has been an error. the following are true: > We cannat try to collect the amount in question, or report you as delinquent on that amount. > The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. > While you do not have to pay the amount in question, you are responsible for the remainder of your balance. » We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases 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: J. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. if all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Cardmember Service, P.O. Box 6335, Fargo, ND 58125-6335. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Important Information Regarding Your Account 1. INTEREST CHARGE: Method of Computing Balance Subject to interest Rate: We calculate the periodic rate or interest portion of the INTEREST CHARGE by multiplying the applicable Daily Periodic Rate ("DPR") by the Average Daily Balance ("ADB") (including new transactions) of the Purchase, Advance and Balance Transfer categories subject to interest, and then adding together the resulting interest from each category. We determine the ADB separately for the Purchases, Advances and Balance Transfer categories. To get the ADB in each category, we add together the daily balances in those categories for the billing cycle and divide the result by the number of days in the billing cycle. We determine the daily balances each day by taking the beginning balance of those Account categories (including any billed but Unpaid interest, fees, credit insurance and other charges), adding any new interest, fees, and charges, and subtracting any payments or credits applied against your Account balances that day. We add a Purchase, Advance or Balance Transfer to the appropriate balances for those categories on the later of the transaction date or the first day of the statement period. Billed but unpaid interest on Purchases, Advances and Balance Transfers is added to the appropriate balances for those categories each month on the statement date. Billed but unpaid ‘Advance Transaction Fees are added to the Advance balance of your Account on the date they are charged to your Account. Any billed but unpaid fees on Purchases, credit insurance charges, and other charges are added to the Purchase balance of the Account on the date they are charged to the Account. Billed but unpaid fees on Balance Transfers are added to the Balance Transfer balance of the Account on the date they are charged to the Account. In other words, billed and unpaid interest, fees, and charges will be included in the ADB of your Account that accrues interest and will reduce the amount of credit available to you. To the extent credit insurance charges, overlimit fees, Annual Fees, and/or Travel Membership Fees may be applied to your Account, such charges and/or fees are not included in the ADB calculation for Purchases until the first day of the billing cycle following the date the credit insurance charges, overlimit fees, Annual Fees and/or Travel Membership Fees (as applicable) are charged to the Account. Prior statement balances subject to an interest-free period that have been paid on or before the payment due date in the current billing cycle are not included in the ADB calculation. 2. Payment Information: You must pay us in U.S. Dollars with checks or similar payment instruments drawn on a financial institution located 'n the United States. We will also accept payment in U.S. Dollars via the internet or phone or previously established automatic payment transaction. We may, at our option, choose to accept a payment drawn on a foreign financial institution. However, you will be charged and agree to pay any collection fees required in connection with such a transaction. The date you mail a payment is different than the date we receive that payment. The payment date is the day we receive your check or money order at Cardmember Service, P.O. Box 790408, St. Louis, MO 63179-0408 or the day we receive your electronic or phone payment. All payments by check or money order accompanied by a payment coupon and received at this payment address will be credited to your Account on the day of receipt if received by 5:00 p.m. CT on any banking day. Mailed payments that do not include the payment coupon and/or are mailed to a different address will be processed within 5 banking days of receipt and credited to your Account on the day of receipt. In addition, if you mail your payment without a payment coupon or to an incorrect address, it may result in a delayed credit to your Account, additional INTEREST CHARGES, fees, and possible suspension of your Account. Intemet and telephone payment options are available, and crediting times vary (but generally must be made before 5:00 p.m. CT to 8 p.m. CT depending on what day and how the payment is made). If you are making an internet or telephone payment, please contact Cardmember Service for times specific to your Account and your payment option. Banking days are all calendar days except Saturday, Sunday and federal holidays. Payments due on a Saturday, Sunday or federal holiday and received on those days will be credited on the day of receipt. There is no prepayment penalty if you pay your balance at any time prior to your payment due date. 3. Credit Reporting: We may report information on your Account to Credit Bureaus. Late payments, missed payments or other defaults on your Account may be reflected in your credit report,w WebsterBank’ [September 2018 Statement 08/24/2018 - 09/24/2018 Page 2 of 3 MELISSA RINGSTED Cardmember Service ¢ 1-800-558-3424 Rewards Center Activity as of 09/23/2018 Rewards Center Activity” 0 Rewards Center Balance 3,230 *This item includes points redeemed, expired and adjusted. This Year Rewards Earned Statement to Date Points Earned on Net Purchases 0 841 25% Monthly Bonus 0 210 Total Earned 0 1,05: Importe Paying Interest: You have a 24 to 30 day interest-free period for Purchases provided you have paid your previous balance in full by the Payment Due Date shown on your monthly Account statement. In order to avoid additional INTEREST CHARGES on Purchases, you must pay your new balance in full by the Payment Due Date shown on the front of your monthly Account statement. There is no interest-free period for transactions that post to the Account as Advances or Balance Transfers except as provided in any Offer Materials. Those transactions are subject to interest from the date they post to the Account until the date they are paid in full. If you believe we have inaccurately reported information to any Consumer Reporting Agency, you may submit a dispute by writing to us. In order for us to assist you with your dispute, you must provide your name, address, phone number, account number, the speCific information you are gisputing, the explanation of why it is incorrect, and any supporting documentation (e.g., affidavit of identity theft), if applicable, to: Elan Financial Services Consumer Recovery Department Attn: CBR Disputes P.O. Box 108 St Louis, MO 63166-0108 ** IMPORTANT CARDMEMBER ALERT *** The minimum payment includes a past due amount which is payable immediately upon receipt of this statement. If the amount has already been mailed, please disregard this notice. PLEASE CALL US at 1-866-951-3862 or GO ONLINE to WWW.MYACCOUNTACCESS.COM, login or enroll in Online Account Access to review your payment options. Each time you or a third party on your behalf, pays your bill by personal check, you authorize us to convert that payment into an electronic debit. If the chec! is processed electronically, the checking account will be debited for the amount on the check and the debit will appear on your account statement. If you have any questions, please contact us at the Inquiries phone number located on this statement. Transactions Z Payments and Other Credits Post Trans Date Date Ref# Transaction Description 09/24 09/24 0000 PAYMENT THANK YOU TOTAL THIS PERIOD Continued on Next Page Amount $93,00cR $93.00cR@) WebsterBank’ September 2018 Statement 08/24/2018 - 09/24/2018 Page 3 of 3 MELISSA RINGSTED Cardmember Service ¢ 1-800-558-3424 interest Charged Post Date Transaction Description Amount o9/e4 INTEREST CHARGE ON PURCHASES $19.69 TOTAL INTEREST THIS PERIOD. $19.69 Total Fees Charged in 2018 Total Interest Charged in 2018 Your Annual Percentage Rate (APR) is the annual interest rate on your account. ** APR for current and future transactions. Balance Annual Expires Balance Subject to Interest Percentage with Balance Type By Type Interest Rate Variable Charge Rate Statement “BALANCE TRANSFER $0.00 $0.00 $0.00 4.90% ~PURCHASES $4,515.00 $4,585.40 $19.69 4.90% **ADVANCES $0.00 $0.00 $0.00 4.90% bs ( Phone Questions Mail payment coupon with a check Voice: 1-800-558-3424 Cardmember Service Cardmember Service myaccountaccess.com TDD: 1-888-352-6455 P.O. Box 6354 P.O. Box 790408 Fax: 1-866-616-1750 Fargo, ND 58125-6354 St. Louis, MO 63179-0408 End of StatementCHARGE OFF DATE 20190131 LAST PURCHASE DATE 20180626 FIRST NAME MELISSA DATE OF LAST COMMENT ACCOUNT NUMBER seeeennees TOTAL PAYMENTS SINCE 0 PLACE OF EMPLOYMENT LAST NAME RINGSTED INTEREST CHARGE OFF 00000015229 DOB Tone 2ND LAST NAME LAST PAYMENT DATE 20180924 CITY TERRYVILLE USER ALPHA 2 WEBSTER BANK NA TERRYVILLE USER ALPHA 1 ELAN TAX NUMBER Tonka REC PRIN 00000000000 REC INT 00000000000 REC COST 00000000000 OFFICE PHONE LAST COMMENTS 1 DATE ASSIGNED 2ND FIRST NAME ZIP 06786-6320 RECOVERY COSTS 00000000000 RECOVERER CODE PFSH REC LATE FEES 00000000000 LATE FEES CHARGE OFF __|00000000000 LAST INTEREST DATE 20190131 HOME PHONE CO DEBTOR SSN CO DEBTOR FIRST NAME ADDRESS2 ACCOUNT STATUS PSL ADDRESS OF EMPLOYER TRAN AMOUNT 00000000000 REC OTHER FEES 00000000000 INTERNAL SYSTEM FILE # |4603289 ICSPRODUCT 8350 CLOSED DATE 1-AUG-18 CELL PHONE BALANCE 000458938 CO DEBTOR LAST NAME STATE CT ORIGINAL CO AMOUNT 0000000458938 LOAN TYPE CODE 0317 LAST STATUS CODE NEWLAST COMMENTS 2 DELINQUENCY DATE 20181023 CONTRACT DATE 20170301 ADDRESS 1 28 BEACH AVE APT 3 OTHER FEES CHARGE OFF 00000000000 OFFICER CODE DEF LAST COMMENTS 3. INTEREST RATEAFFIDAVIT Commonwealth of Virginia City of Norfolk ss. Shawnishia Sessoms I, the undersigned, , Custodian of Records, for Portfolio Recovery Associates, LLC hereby depose, affirm and state as follows: 1 I am competent to testify to the matters contained herein. 2. 1am an authorized employee of Portfolio Recovery Associates, LLC, (“Account Assignee”) which is doing business at Riverside Commerce Center, 120 Corporate Boulevard, Norfolk, Virginia, and I am authorized to make the statements, Tepresentations and averments herein, and do so based upon a review of the business records of the Original Creditor U.S. BANK NATIONAL ASSOCIATION D/B/A ELAN FINANCIAL SERVICES and those records transferred to Account Assignee from U.S. BANK NATIONAL ASSOCIATION (“Account Seller”), which have become a part of and have integrated into Account Assignee’s business records, in the ordinary course of business. The attached documents are true copies of the originals except to the extent that confidential and privileged information is omitted or redacted and personal identifying information is omitted or redacted as required by local rules, and applicable state and federal law. 3. According to the business records, which are maintained in the ordinary course of business, the account, and all proceeds of the account are now owned by the Account Assignee, all of the Account Seller’s interest in such account having been sold, assigned and transferred by the Account Seller on 02/27/2019. Further, the Account Assignee has been assigned all of the Account Seller’s power and authority to do and perform all acts necessary for the settlement, satisfaction, compromise, collection or adjustment of said account, and the Account Seller has retained no further interest in said account or the proceeds thereof, for any purpose whatsoever, 4. According to the records transferred to the Account Assignee from Account Seller, and maintained in the ordinary course of business by the Account Assignee, there was due and payable from MELISSA RINGSTED (“Debtor and Co- Debtor”) to the Account Seller the sum of $4,589.38 with the respect to account number ending in 7621 as of the date of 01/31/2019 with there being no known un-credited payments, counterclaims or offsets against the said debt as of the date of the sale, 5. According to the account records of said Account Assignee, after all known payments, counterclaims, and/or setoffs occurring subsequent to the date of sale, Account Assignee claims the sum of $4,589.38 as due and owing as of the date of this affidavit. 6. Plaintiff believes that the defendant is not a minor or an incompetent individual, and declares that the Defendant is not on active military service of the United States. Portfolio mea LLC sjhawnishia Ses: i Shawnishia Sessoms , Custodian of Records Subscribed and swoyn to before me on MAR-0-6-2020 By: * Nafaty aplig 2 cone Ne re7e276 My Commiseidn Expires 07/31/2020. v2@ WebsterBank’ January 2019 Statement Open Date: 12/25/2018 Closing Date: 01/24/2019 Visa® Platinum Bonus Rewards Card MELISSA RINGSTED ET Minimum Payment Warning: if you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: ‘You will pay off the balance shown ‘on this statement in about... And you will ‘end up paying an estimated total of... additional charges using this card and each month you it you would like information about credit counseling services, call 866-951-1391. Mall payment coupon with a check Payment Options: Please detach and send coupon with check payable to: Cardmember Service w WebsterBank’ 24-Hour Cardmember Service: 1-800-558-3424 ( 000009147 01 AB 0.408 000638996112985 P Y . to pay by phone , to change your address MELISSA RINGSTED 28 BEACH AVE APT 3 TERRYVILLE CT 06786-6320 Hebd Ee eh Page 1 of 2 Account: is 7621 Cardmember Service ¢ 1-800-558-3424 BNK 10 ELN 8 15 Activity Summary Previous Balance Payments Other Credits Purchases Balance Transfers $4,570.37 Fees Charged Interest Charged New Balance Past Due Minimum Payment Due Credit Line Available Credit Days in Billing Period Pay ontine at Nea ‘myaccountaccess.com Pay by phono 1-800-558-3424 ( Account Number Payment Due Date New Balance Minimum Payment Due Amount Enclosed Cardmember Service P.O. Box 790408 St. Louis, MO 63179-0408. be E! Mp Eyed tet ged yengtfedete dt hy foe ety tonyy‘What To Do If You Think You Find A Mistake On Your Statement Hf you think there Is an error on your statement, please call us at the telephone number on the front of this. ‘statement, or write to us at: Cardmember Service, P.O. Box 6335, Fargo, ND 58125-6335, In your letter OF call, give us the following information: count P Acc formation: Your name and account number. > Dollar amount: The dollar amount of the suspected error. > Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. ru eet us within 60 days after the error appeared on your statement. While we investigate whether of not there has been an error, ing are true: > We cannot try to collect the amount in question, or report you as delinquent on that amount. > ‘The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, If we determina: that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. > While you do not have to pay the amount in question, you are responsible for the remainder of your balance. D> We can any unpaid amount st credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases Ht 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 4. The purchase must have bean made in your home state or within 100 miles of your currant mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary it your purchase was based on an advertisement we mailed to YOU, or if we ) If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Cardmember Service, P.O. Box 6335, Fargo, ND 58125-6335. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Important information Regarding Your Account 1, INTEREST CHARGE: Mathod of Computing Balance Subject to Interest Rate: We calculate the periodic rate or interest portion of the billing cycle. We determine the daily balances each day by taking the beginning balance of those Account categories (including any billed but and/or Travel Membership Fees (as applicable) are charged to the Account, Prior statement balances ‘subject to an interest-free period that have been paid on or before the payment due date in the current billing cycle are not included in the ADB calculation. 2. Payment Information: You must pay us in U.S. Dollars with checks or similar payment instruments drawn on a financial institution located in the United States. We will also accept payment in U.S. Dollars via the Internet or phone or previously established automatic payment agree to pay any collection fees required in connection with such a transaction. The date you mail 2 payment is different than the date we receive that payment, The payment date is the day we receive your check or money order at Cardi Louis, MO 63179-0408 or the day we receive your electronic or phone. payment. All payments by check or money order accom bya payment coupon and received at this payment address will be credited to your Account on the day of receipt if received by 5:00 p.m. CT on any banking day. Mailed payments that do not include the payment coupon and/or are mailed to a different address will be processed within 5 banking days of receipt and credited to your Account on the day of receipt. In addition, if Yeu mail your payment without a payment coupon or to an incorrect address, it may result in a delayed credit to your Account, additional INTEREST Cl \RGES, fees, and possible suspension ‘of your Account. Internet and one aymant options are available, and crediting times vary (but generally must be made betore 5:00 p.m, C7 to 8 p.m. CT depending on what day and how the payment is made). If you are making an intemat or telephone payment, please contact Gardmember Service for times specific to your Account and your payment option. Banking days are all calendar days except Saturday, Sunday and federal holidays. Payments due on a Saturday, Sunday or federal holiday and received on those days will be credited on the day of receipt. There is no prepayment Penalty if you pay your balance at any time prior to your payment due date. 3. Credit Reporting: We may report information on your Account to Credit Bureaus. Late payments, missed payments or other defaults on your Account may be reflected in your credit report.@®) WebsterBank’ January 2019 Statement 12/25/2018 - 01/24/2019 Page 2 of 2 MELISSA RINGSTED Cardmember Service ¢ 1-800-558-3424 Paying Interest: You have a 24 to 30 day interest-free period for Purchases provided you have paid your previous balance in full by the Payment Due Date shown on your monthly Account statement. In order to avoid additional INTEREST CHARGES on Purchases, you must pay your new balance in full by the Payment Due Date shown on the front of your monthly Account statement. There is no interest-free period for transactions that post to the Account as Advances or Balance Transfers except as provided in any Offer Materials. Those transactions are subject to interest from the date they post to the Account until the date they are paid in full. if you believe we have inaccurately reported information to any Consumer Reporting Agency, you may submit a dispute by writing to us. In order for us to assist you with your dispute, you must provide your name, address, phone number, account number, the specific information you are disputing, the explanation of why it is incorrect, and any supporting documentation (e.g., affidavit of identity theft), if applicable, to: Elan Financial Services Consumer Recovery Department Attn: CBR Disputes’ P.O. Box 108 St Louis, MO 63166-0108 *** SERIOUS COLLECTION ALERT *”* Your account is seriously overdue. We have very attractive settlement and reduced interest / Rayment programs. PLEASE CALL US at 1-866-951-3862 or GO ONLINE fo WWW.MYACCOUNTACCESS.COM and login or enroll in Online Account Access to review your options. Each time you or a third party on your behalf, pays your bill by personal check, you authorize us to convert that payment into an electronic debit. If the check is processed electronically, the checking account will be debited for the amount on the check and the debit will appear on your account statement. If you have any questions, please contact us at the Inquiries phone number located on this statement. Interest Charged Post Date Transaction Description Amount o124 INTEREST CHARGE ON PURCHASES $19.01 TOTAL INTEREST THIS PERIOD $19.01 UES Total Fees Charged in 2019 Total Interest Charged in 2019 Your Annual Percentage Rate (APR) is the annual interest rate on your account. **APR for current and future transactions. Balance Annual Expires Balance Subject to interest Percentage with Balance Type By Type Interest Rate Variable Charge Rate Statement “"BALANCE TRANSFER $0.00 $0.00 $0.00 4.30% ““PURCHASES $4,589.38 $4,570.37 $19.01 4.90% “"ADVANCES $0.00 $0.00 $0.00 4.90% End of StatementEXHIBIT B BILL OF SALE AND ASSIGNMENT OF ASSETS Forvaluereceived, the undersigned Assignot (“Aasignor") hereby absolutely sells, transfers, sents sts-o¥et uitclaims and conveys to Portfolio Recovery Associates, LLC, a limited Habilty jompany organized under the laws of Delaware (“Assignee”), all of Assignor's right, title and interest in and to cachi of tho assets identified in the Asset Schednle attached hereto as BARDIA (the “Assety"), together with the rit to collect all principal, interest or other proceeds of any kind with respect to the Assets remaini ‘due and owing as of the date hereof (including but not Limited to proceeds derived ffoa the conversion, voluntary or involuntary, of any of the Acces ines ‘ash or other liquidated property including, without limitation, insurance proceeds and condemnation awards), from and after the date ofthis Bill of Sale and Assignment of Assets, DATED: February 27, 2019 Title: Vice President - Collections Manager