Portfolio Recovery Associates, LLC v. Kimberley R Brawner

IN THE DISTRICT COURT OF LATIMER COUNTY STATE OF OKLAHOMA PORTFOLIO RECOVERY ASSOCIATES, LLC, Plaintiff, vs. KIMBERLEY R BRAWNER Defendant(s). Case No. CS-26-20 PETITION COMES NOW the Plaintiff, by and through counsel, Nelson and Kennard, LLP, and herewith alleges the following and seeks redress as hereafter delineated. 1. Plaintiff is a national debt collection agency, which transacts business within the State of Oklahoma. 2. Venue is proper in this County, as the Defendant(s) reside(s) in this County at the commencement of this action, or the contract which is the subject matter of this action was made, executed, and delivered in this County. 3. The last four (4) digits of the Defendant’s account number, used by the original creditor as of the date of default are XXXXXXXXXXXXXXX5258. 4. Plaintiff’s claim arises when the Defendant(s) opened a credit account and failed to make the required monthly payments as agreed. The credit account charged off for non-payment on 1/03/24, the balance due at time of default is as follows $2,300.92. A true and accurate copy of the last periodic statement provided to the Defendant(s) prior to charge-off is attached hereto as Exhibit 1. A true and accurate copy of the ownership of the credit card account is attached hereto as Exhibit 2. A true and accurate copy of the Terms and Conditions of the account is attached as Exhibit 3. 5. The Defendant(s) breached the Contract by failing to make the required periodic payments. 6. As a direct and proximate result of the Defendant(s) default, the total amount of debt claimed is $2,259.92. 7. The date of the last payment made by the Defendant(s) is May 28, 2023. 8. Plaintiff seeks court costs, and for such further relief as the Court may deem proper in the premises. WHEREFORE, Plaintiff, PORTFOLIO RECOVERY ASSOCIATES, LLC prays for judgment against the Defendant(s), KIMBERLEY R BRAWNER in the amount of $2,259.92, plus all costs herein expended, including but not limited to, court costs, sheriff’s fees, and special process server fees, attorney fees; and for such other and further relief as the Court may deem proper in the premises. Dated this January 16, 2026 Nelson and Kennard, LLP By: [signature] Ashton Dewayne Sears, OBA # 35737 12596 W. Bayaud Ave., Ste. 120 Lakewood, CO 80228 Phone: 866-920-2295 [email protected] Attorney for the Plaintiff EXHIBIT 1 Payment Information New Balance: $2,259.92 Amount Past Due: $618.00 Total Minimum Payment Due: $739.00 Overlimit Amount: $579.92 Payment Due Date: 12/28/2023 Late Payment Warning: If we do not receive your Total Minimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee up to $41.00. 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: <table> <tr> <th>If you make no additional charges using this card and each month you pay ...</th> <th>You will pay off the balance shown on this statement in about ...</th> <th>And you will end up paying an estimated total of ...</th> </tr> <tr> <td>Only the Minimum payment</td> <td>7 years</td> <td>$4,284.00</td> </tr> </table> If you would like information about credit counseling services, call 1-877-302-8775. Account Summary Previous Balance as of 11/06/2023 $2,162.41 Fees Charged + 41.00 Interest Charges + 56.51 New Balance as of 12/05/2023 $2,259.92 Credit Limit $1,680 Available Credit None Cash Advance Limit $336 Available Cash None JCPenney Mastercard Rewards Current Status CARDMEMBER See Rewards Detail section. Reduce The Clutter—Go Paperless Today! Sign up for convenient electronic statements: • View up to 12 months of past statements, available anytime • Get an email notification when your monthly statement is ready to view • Set up Autopay to pay bills automatically PLEASE DETACH AND RETURN THIS STUB WITH YOUR CHECK PAYABLE TO SYNCHRONY i <table> <tr> <th>Account Number</th> <td>5258</td> </tr> <tr> <th>New Balance</th> <td>$2,259.92</td> </tr> <tr> <th>Total Minimum Payment Due</th> <td>$739.00</td> </tr> <tr> <th>Payment Due Date</th> <td>12/28/2023</td> </tr> <tr> <th>Amount Past Due</th> <td>$618.00</td> </tr> <tr> <th>Amount Enclosed</th> <td>$</td> </tr> </table> New address or email? Print changes on the back. Make Synchrony Bank/JCP Payment P.O. Box 71719 To: Philadelphia PA 19176-1719 Customer Service: For account information, call the number on the front of this statement. For Hearing or Speech disabilities, use a TRS. Unless your name is listed on this statement, your access to information on the account may be limited. You may also mail questions (but not payments) to P.O. Box 71731, Philadelphia, PA 19176-1731. Please include your account number on any correspondence you send to us. Payments: Send payments to P.O. Box 71719, Philadelphia, PA 19176-1719 or pay online. Notice: See below for your Billing Rights and other important information. Telephoning about billing errors will not preserve your rights under federal law. To preserve your rights, please write to our Billing Inquiries Address, P.O. Box 71730, Philadelphia, PA 19176-1730. Purchases, returns, and payments made just prior to billing date may not appear until next month's statement. When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. 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Box 71730, Philadelphia, PA 19176-1730 Or, complete and email or fax the Dispute Form found at: www.jcpenneymastercard.com In your letter 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. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 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WF6455521AL O1ID5433 - 03/06/23 Bankruptcy Notice: If you file bankruptcy, you must send us notice, including account number and all information related to the proceeding to the following address: Synchrony Bank. Attn: Bankruptcy Dept., P.O. Box 71783, Philadelphia, PA 19176-1783. This is an attempt to collect a debt and any information obtained will be used for that purpose. *By providing a telephone number on your account, you consent to Synchrony Bank and any other owner or servicer of your account contacting you about your account, including using any contact information or cell phone numbers you provide, and you consent to the use of any automatic telephone dialing system and/or an artificial or prerecorded voice when contacting you, even if you are charged for the call under your phone plan. 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Plus, spend $500 at JCPenney & jcp.com to earn Gold status, or $1,000 at JCPenney & jcp.com to earn Platinum status and enjoy even more exclusive benefits! See jcp.com/credit for details. Did you know... With your JCPenney Mastercard®, you’re automatically a Rewards member! Plus, you can earn $10 JCPenney Rewards 2x faster when you shop with your card at JCPenney and jcp.com. Purchases subject to credit approval. Some restrictions and exclusions apply. See your Rewards Program Description terms for details. The JCPenney Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Contactless Indicator mark consisting of four graduated arcs is a trademark owned by and used with permission of EMVCo, LLC. Transaction Detail <table> <tr> <th>Date</th> <th>Reference #</th> <th>Description</th> <th>Amount</th> </tr> <tr> <td colspan="3">Total Fees Charged This Period</td> <td>$41.00</td> </tr> <tr> <td>11/28</td> <td></td> <td>LATE FEE</td> <td>$41.00</td> </tr> <tr> <td colspan="3">Total Interest Charged This Period</td> <td>$56.51</td> </tr> <tr> <td>12/05</td> <td></td> <td>INTEREST CHARGE ON PURCHASES</td> <td>$30.66</td> </tr> <tr> <td>12/05</td> <td></td> <td>INTEREST CHARGE ON CASH ADVANCES</td> <td>$25.85</td> </tr> <tr> <th colspan="2">2023 Year-to-Date Fees and Interest</th> <th colspan="2"></th> </tr> <tr> <td colspan="2">Total Fees Charged</td> <td></td> <td>$314.12</td> </tr> <tr> <td colspan="2">Total Interest Charged</td> <td></td> <td>$423.87</td> </tr> <tr> <td colspan="2">Total Interest Paid</td> <td></td> <td>$73.57</td> </tr> </table> Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = variable rate <table> <tr> <th>Type of Balance</th> <th>Expiration Date</th> <th>Annual Percentage Rate</th> <th>Balance Subject To Interest Rate</th> <th>Interest Charged</th> </tr> <tr> <td>Purchases</td> <td>NA</td> <td>31.24% (v)</td> <td>$1,193.85</td> <td>$30.66</td> </tr> <tr> <td>Cash Advances</td> <td>NA</td> <td>31.24% (v)</td> <td>$1,006.56</td> <td>$25.85</td> </tr> </table> Cardmember News & Information YOUR ACCOUNT IS PAST DUE. PLEASE PAY THE MINIMUM PAYMENT DUE OR CONTACT THIS OFFICE AT THE PHONE NUMBER LISTED ON YOUR STATEMENT. If you need to contact Synchrony about the loss of a Synchrony cardholder, you can submit a deceased notification form located at www.syf.com under the 'Contact Us' page. Did you know your Mastercard offers Mastercard ID Theft Protection. For more information about this benefit or to view the current benefits offered by Mastercard, please visit: www.mastercard.com/corecredit-GTB. You can pay your bill online or over the phone. We noticed you’ve been enjoying our easy paperless payment options, so we will no longer be including return envelopes. You can make things even easier by selecting the paperless statement option on your account online. JCPenney Portraits by Lifetouch FREE 8x10 Standard Print reg $19.99 50% OFF Your photography purchase + $6.99 Standard Prints reg $10.99 each + $119.99 Digital Album reg $139.99 Photo Cards as low as 69¢ each Present at session. $14.99 session fee per subject. FREE with Perks Club membership. One offer per family, per day. Standard prints are unenhanced 10x13 or smaller. Digital album includes the high-resolution images photographed in your session with a copyright license to use and modify the images. Enhancements, collages and specialty sizes created in studio are not included in the digital album. Products may vary. Card offer valid with minimum purchase of 48 cards of same size, sold in sets of 16. Photo cards starting at 79¢ each. 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(page 3 of 3) EXHIBIT 2 synchrony 965 Keller Rd Altamonte Springs, FL 32714 BILL of SALE PRA (SFFLPRLS) – PLCC Fresh – March 2024 IC_SFFLPRLS_DMPLA_DebtManager-20240312043314302268000-380659-PLCMNT-EXPORT.xml.gzip Transfer Date: 3/11/2024 For value received and in further consideration of the mutual covenants and conditions set forth in the Master Account Sale Agreement (the “Agreement”), dated as of this 13th day of February, 2023 by and between Synchrony Bank formerly known as GE Capital Retail Bank; RFS Holding, LLC, Synchrony Card Funding, LLC and Retail Finance Credit Services, LLC., (“Seller”) and Portfolio Recovery Associates, LLC (“Buyer”), Seller hereby transfers, sells, conveys, grants, and delivers to Buyer, its successors and assigns, without recourse except as set forth in the Agreement, to the extent of its ownership, the Accounts as set forth in the Notification Files (as defined in the Agreement and Account Sale Addendum dated 8/1/2023), delivered by Seller to Buyer on or about 11th day of March, 2024, and as further described in the Agreement. The aggregate Sale Balance of the accounts as of the Transfer Date was [REDACTED] Synchrony Bank By: Lynne Fisher 3/27/2024 Title: SVP Recovery Operations RFS Holding LLC By: Lynne Fisher 3/27/2024 Title: Duly Authorized Signatory Synchrony Card Funding, LLC By: Lynne Fisher 3/27/2024 Title: Duly Authorized Signatory Retail Finance Credit Services, LLC By: Lynne Fisher 3/27/2024 Title: Vice President <table> <tr> <th>CREDITOR-ACCOUNT-REFERENCE-IDENTIFIER</th> <td>************5258</td> </tr> <tr> <th>GERMSACCTNUM</th> <td></td> </tr> <tr> <th>FLIPACCTNUM</th> <td></td> </tr> <tr> <th>PARENATACCT</th> <td></td> </tr> <tr> <th>CONSUMER-LEGACY-IDENTIFIER</th> <td>************258P</td> </tr> <tr> <th>CREDITOR-EXTERNAL-ACCOUNT-IDENTIFIER</th> <td></td> </tr> <tr> <th>AGENCY-ACCOUNT-IDENTIFIER</th> <td>************5278</td> </tr> <tr> <th>CREDITOR-ACCOUNT-LEGACY-IDENTIFIER</th> <td>************5258</td> </tr> <tr> <th>AGNCY_ENTTY_CRRLTN_ID</th> <td></td> </tr> <tr> <th>CNSMR_ID</th> <td></td> </tr> <tr> <th>CNSMR_ACCNT_OWNRS_ID</th> <td></td> </tr> <tr> <th>CONSUMER-ID</th> <td></td> </tr> <tr> <th>COMAKER_1_CONSUMER-LEGACY-IDENTIFIER</th> <td></td> </tr> <tr> <th>COMAKER_2_CONSUMER-LEGACY-IDENTIFIER</th> <td></td> </tr> <tr> <th>CONSUMER-FIRST-NAME</th> <td>KIMBERLEY</td> </tr> <tr> <th>CONSUMER-MIDDLE-NAME</th> <td>R</td> </tr> <tr> <th>CONSUMER-LAST-NAME</th> <td>BRAWNER</td> </tr> <tr> <th>CONSUMER-NAME-PREFIX</th> <td></td> </tr> <tr> <th>CONSUMER-NAME-SUFFIX</th> <td></td> </tr> <tr> <th>BIRTH-DATE</th> <td>***/**/1960</td> </tr> <tr> <th>DRIVER-LICENSE-TEXT</th> <td></td> </tr> <tr> <th>DRIVER-LICENSE-ISSUER</th> <td></td> </tr> <tr> <th>PASSPORT-TEXT</th> <td></td> </tr> <tr> <th>PERSONAL-IDENTIFIER</th> <td>****************</td> </tr> <tr> <th>IS-COMMERCIAL-FLAG</th> <td>0</td> </tr> <tr> <th>MARITAL-STATUS</th> <td>UNKNOWN</td> </tr> <tr> <th>FULL-NAME</th> <td></td> </tr> <tr> <th>ALTERNATE-FULL-NAME</th> <td></td> </tr> <tr> <th>CNSMR_IDNTFR_CMMRCL_TXT</th> <td></td> </tr> <tr> <th>CNSMR_ACCNT_OWNRSHP_END_DTTM</th> <td></td> </tr> <tr> <th>CNSMR_ACCNT_OWNRSHP_WGHT_NMBR</th> <td></td> </tr> <tr> <th>CNSMR_ACCNT_OWNRSHP_TYP_VAL_TXT</th> <td></td> </tr> <tr> <th>ACCNT_OWNRSHP_TYP_QUAL_VAL_TXT</th> <td></td> </tr> <tr> <th>CNSMR_ACCNT_OWNRSHP_DTTM</th> <td></td> </tr> </table> <table> <tr> <th>DATEOFDEATH</th> <td></td> </tr> <tr> <th>COMMERCIAL-CONTACT-NAME</th> <td></td> </tr> <tr> <th>LANGUAGE-SPOKEN</th> <td>ENG</td> </tr> <tr> <th>LETTER-METHOD</th> <td>UNKNOWN</td> </tr> <tr> <th>EMAIL-ADDRESS</th> <td>***************</td> </tr> <tr> <th>EMAIL-VALIDITY</th> <td>VALID</td> </tr> <tr> <th>EMAIL-OPTIN-FLAG</th> <td>1</td> </tr> <tr> <th>EMAIL-OPTIN-DATE</th> <td></td> </tr> <tr> <th>CNSMR_ADDRSS_ID</th> <td></td> </tr> <tr> <th>ADDRESS-LINE-1</th> <td>611 SW 9TH ST</td> </tr> <tr> <th>ADDRESS-LINE-2</th> <td></td> </tr> <tr> <th>ADDRESS-LINE-3</th> <td></td> </tr> <tr> <th>ADDRESS-CITY</th> <td>WILBURTON</td> </tr> <tr> <th>ADDRESS-COUNTY</th> <td></td> </tr> <tr> <th>ADDRESS-STATE-CODE</th> <td>OK</td> </tr> <tr> <th>ADDRESS-POSTAL-CODE</th> <td>745784803</td> </tr> <tr> <th>ADDRESS-COUNTRY-CODE</th> <td>US</td> </tr> <tr> <th>MAIL-RETURN-CODE-VALUE</th> <td></td> </tr> <tr> <th>MAIL-RETURN-DATE</th> <td></td> </tr> <tr> <th>MAIL-RETURN-COMMENTS</th> <td></td> </tr> <tr> <th>ADDRESS-SOURCE</th> <td>UNKNOWN</td> </tr> <tr> <th>ADDRESS-STATUS</th> <td>VALID</td> </tr> <tr> <th>CNSMR_ADDRSS_DLVRBLTTY_TXT</th> <td></td> </tr> <tr> <th>CNSMR_ADDRSS_CNFRMTN_DT</th> <td></td> </tr> <tr> <th>PHONE-NUMBER_1</th> <td>*****************</td> </tr> <tr> <th>PHONE-EXTENSION_1</th> <td>N</td> </tr> <tr> <th>PHONE-TYPE_1</th> <td>CELL</td> </tr> <tr> <th>PHONE-TECHNOLOGY-TYPE_1</th> <td>UNKNOWN</td> </tr> <tr> <th>COUNTRY-DIAL-CODE_1</th> <td>N</td> </tr> <tr> <th>COUNTRY-REFERENCE_1</th> <td>N</td> </tr> <tr> <th>CONNECT-ATTEMPT-COUNT_1</th> <td></td> </tr> <tr> <th>LAST-CONNECT-ATTEMPT-DATE_1</th> <td></td> </tr> <tr> <th>LAST-CONNECT-SUCCESS-DATE_1</th> <td></td> </tr> <tr> <th>PHONE-STATUS_1</th> <td>UNKNOWN</td> </tr> <tr> <th>PHONE-SOURCE_1</th> <td>UNKNOWN</td> </tr> <tr> <th>PHONE-CONSENT-FLAG_1</th> <td>0</td> </tr> <tr> <th>PHONE-CONSENT-DATE_1</th> <td></td> </tr> <tr> <th>PHONE-NUMBER_2</th> <td></td> </tr> <tr> <th>PHONE-EXTENSION_2</th> <td></td> </tr> <tr> <th>PHONE-TYPE_2</th> <td></td> </tr> </table> PHONE-TECHNOLOGY-TYPE 2 COUNTRY-DIAL-CODE 2 COUNTRY-REFERENCE 2 CONNECT-ATTEMPT-COUNT 2 LAST-CONNECT-ATTEMPT-DATE 2 LAST-CONNECT-SUCCESS-DATE 2 PHONE-STATUS 2 PHONE-SOURCE 2 PHONE-CONSENT-FLAG 2 PHONE-CONSENT-DATE 2 PHONE-NUMBER 3 PHONE-EXTENSION 3 PHONE-TYPE 3 PHONE-TECHNOLOGY-TYPE 3 COUNTRY-DIAL-CODE 3 COUNTRY-REFERENCE 3 CONNECT-ATTEMPT-COUNT 3 LAST-CONNECT-ATTEMPT-DATE 3 LAST-CONNECT-SUCCESS-DATE 3 PHONE-STATUS 3 PHONE-SOURCE 3 PHONE-CONSENT-FLAG 3 PHONE-CONSENT-DATE 3 PHONE-NUMBER 4 PHONE-EXTENSION 4 PHONE-TYPE 4 PHONE-TECHNOLOGY-TYPE 4 COUNTRY-DIAL-CODE 4 COUNTRY-REFERENCE 4 CONNECT-ATTEMPT-COUNT 4 LAST-CONNECT-ATTEMPT-DATE 4 LAST-CONNECT-SUCCESS-DATE 4 PHONE-STATUS 4 PHONE-SOURCE 4 PHONE-CONSENT-FLAG 4 PHONE-CONSENT-DATE 4 ADDRHISTCHGDT 2023-03-06 <table> <tr> <th>COMAKER_1_CONSUMER-FIRST-NAME</th> <td></td> </tr> <tr> <th>COMAKER_1_CONSUMER-MIDDLE-NAME</th> <td></td> </tr> <tr> <th>COMAKER_1_CONSUMER-LAST-NAME</th> <td></td> </tr> <tr> <th>COMAKER_1_CONSUMER-NAME-PREFIX</th> <td></td> </tr> <tr> <th>COMAKER_1_CONSUMER-NAME-SUFFIX</th> <td></td> </tr> <tr> <th>COMAKER_1_BIRTH-DATE</th> <td></td> </tr> <tr> <th>COMAKER_1_DRIVER-LICENSE-TEXT</th> <td></td> </tr> <tr> <th>COMAKER_1_DRIVER-LICENSE-ISSUER</th> <td></td> </tr> <tr> <th>COMAKER_1_PASSPORT-TEXT</th> <td></td> </tr> <tr> <th>COMAKER_1_PERSONAL-IDENTIFIER</th> <td></td> </tr> <tr> <th>COMAKER_1_IS-COMMERCIAL-FLAG</th> <td></td> </tr> <tr> <th>COMAKER_1_LANGUAGE-SPOKEN</th> <td></td> </tr> <tr> <th>COMAKER_1_MARITAL-STATUS</th> <td></td> </tr> <tr> <th>COMAKER_1_FULL-NAME</th> <td></td> </tr> <tr> <th>COMAKER_1_ALTERNATE-FULL-NAME</th> <td></td> </tr> <tr> <th>COMAKER_1_CNSMR_ACCNT_OWNRSHP_TYP_VAL_TXT</th> <td></td> </tr> <tr> <th>COMAKER_1_ACCNT_OWNRSHP_TYP_QUAL_VAL_TXT</th> <td></td> </tr> <tr> <th>COMAKER_1_CNSMR_ACCNT_OWNRSHP_DTTM</th> <td></td> </tr> <tr> <th>COMAKER_2_CONSUMER-FIRST-NAME</th> <td></td> </tr> <tr> <th>COMAKER_2_CONSUMER-MIDDLE-NAME</th> <td></td> </tr> <tr> <th>COMAKER_2_CONSUMER-LAST-NAME</th> <td></td> </tr> <tr> <th>COMAKER_2_CONSUMER-NAME-PREFIX</th> <td></td> </tr> <tr> <th>COMAKER_2_CONSUMER-NAME-SUFFIX</th> <td></td> </tr> <tr> <th>COMAKER_2_BIRTH-DATE</th> <td></td> </tr> <tr> <th>COMAKER_2_DRIVER-LICENSE-TEXT</th> <td></td> </tr> <tr> <th>COMAKER_2_DRIVER-LICENSE-ISSUER</th> <td></td> </tr> <tr> <th>COMAKER_2_PASSPORT-TEXT</th> <td></td> </tr> </table> <table> <tr> <th>COMAKER_2_PERSONAL-IDENTIFIER</th> <td></td> </tr> <tr> <th>COMAKER_2_IS-COMMERCIAL-FLAG</th> <td></td> </tr> <tr> <th>COMAKER_2_COMMERCIAL-CONTACT-NAME</th> <td></td> </tr> <tr> <th>COMAKER_2_LANGUAGE-SPOKEN</th> <td></td> </tr> <tr> <th>COMAKER_2_MARITAL-STATUS</th> <td></td> </tr> <tr> <th>COMAKER_2_FULL-NAME</th> <td></td> </tr> <tr> <th>COMAKER_2_ALTERNATE-FULL-NAME</th> <td></td> </tr> <tr> <th>COMAKER_2_CNSMR_ACCNT_OWNRSHP_TYP_VAL_TXT</th> <td></td> </tr> <tr> <th>COMAKER_2_ACCNT_OWNRSHP_TYP_QUAL_VAL_TXT</th> <td></td> </tr> <tr> <th>COMAKER_2_CNSMR_ACCNT_OWNRSHP_DTTM</th> <td></td> </tr> <tr> <th>COMAKER_2_CNSMR_ADDRSS_DLVRBLITY_TXT</th> <td></td> </tr> <tr> <th>COMAKER_2_CNSMR_ADDRSS_CNFRMTN_DT</th> <td></td> </tr> <tr> <th>UDCON_LANGPREFER</th> <td></td> </tr> <tr> <th>COMAKER_1_COMMERCIAL-CONTACT-NAME</th> <td></td> </tr> <tr> <th>COMAKER_1_LETTER-METHOD</th> <td></td> </tr> <tr> <th>COMAKER_1_EMAIL-ADDRESS</th> <td></td> </tr> <tr> <th>COMAKER_1_EMAIL-VALIDITY</th> <td></td> </tr> <tr> <th>COMAKER_1_EMAIL-OPTIN-FLAG</th> <td></td> </tr> <tr> <th>COMAKER_1_EMAIL-OPTIN-DATE</th> <td></td> </tr> <tr> <th>COMAKER_1_ADDRESS-LINE-1</th> <td></td> </tr> <tr> <th>COMAKER_1_ADDRESS-LINE-2</th> <td></td> </tr> <tr> <th>COMAKER_1_ADDRESS-LINE-3</th> <td></td> </tr> <tr> <th>COMAKER_1_ADDRESS-CITY</th> <td></td> </tr> <tr> <th>COMAKER_1_ADDRESS-COUNTY</th> <td></td> </tr> <tr> <th>COMAKER_1_ADDRESS-STATE-CODE</th> <td></td> </tr> <tr> <th>COMAKER_1_ADDRESS-POSTAL-CODE</th> <td></td> </tr> </table> <table> <tr> <th>COMAKER_1_ADDRESS-COUNTRY-CODE</th> <td></td> </tr> <tr> <th>COMAKER_1_MAIL-RETURN-CODE-VALUE</th> <td></td> </tr> <tr> <th>COMAKER_1_MAIL-RETURN-DATE</th> <td></td> </tr> <tr> <th>COMAKER_1_MAIL-RETURN-COMMENTS</th> <td></td> </tr> <tr> <th>COMAKER_1_ADDRESS-SOURCE</th> <td></td> </tr> <tr> <th>COMAKER_1_ADDRESS-STATUS</th> <td></td> </tr> <tr> <th>COMAKER_1_CNSMR_ADDRSS_DLVRBLTY_TXT</th> <td></td> </tr> <tr> <th>COMAKER_1_CNSMR_ADDRSS_CNFRMTN_DT</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-NUMBER_1</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-EXTENSION_1</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-TYPE_1</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-TECHNOLOGY-TYPE_1</th> <td></td> </tr> <tr> <th>COMAKER_1_COUNTRY-DIAL-CODE_1</th> <td></td> </tr> <tr> <th>COMAKER_1_COUNTRY-REFERENCE_1</th> <td></td> </tr> <tr> <th>COMAKER_1_CONNECT-ATTEMPT-COUNT_1</th> <td></td> </tr> <tr> <th>COMAKER_1_LAST-CONNECT-ATTEMPT-DATE_1</th> <td></td> </tr> <tr> <th>COMAKER_1_LAST-CONNECT-SUCCESS-DATE_1</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-STATUS_1</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-SOURCE_1</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-CONSENT-FLAG_1</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-CONSENT-DATE_1</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-NUMBER_2</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-EXTENSION_2</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-TYPE_2</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-TECHNOLOGY-TYPE_2</th> <td></td> </tr> </table> COMAKER_1_COUNTRY-DIAL-CODE 2 COMAKER_1_COUNTRY-REFERENCE 2 COMAKER_1_CONNECT-ATTEMPT-COUNT 2 COMAKER_1_LAST-CONNECT-ATTEMPT-DATE 2 COMAKER_1_LAST-CONNECT-SUCCESS-DATE 2 COMAKER_1_PHONE-STATUS 2 COMAKER_1_PHONE-SOURCE 2 COMAKER_1_PHONE-CONSENT-FLAG 2 COMAKER_1_PHONE-CONSENT-DATE 2 COMAKER_1_PHONE-NUMBER 3 COMAKER_1_PHONE-EXTENSION 3 COMAKER_1_PHONE-TYPE 3 COMAKER_1_PHONE-TECHNOLOGY-TYPE 3 COMAKER_1_COUNTRY-DIAL-CODE 3 COMAKER_1_COUNTRY-REFERENCE 3 COMAKER_1_CONNECT-ATTEMPT-COUNT 3 COMAKER_1_LAST-CONNECT-ATTEMPT-DATE 3 COMAKER_1_LAST-CONNECT-SUCCESS-DATE 3 COMAKER_1_PHONE-STATUS 3 COMAKER_1_PHONE-SOURCE 3 COMAKER_1_PHONE-CONSENT-FLAG 3 COMAKER_1_PHONE-CONSENT-DATE 3 COMAKER_1_PHONE-NUMBER 4 COMAKER_1_PHONE-EXTENSION 4 <table> <tr> <th>COMAKER_1_PHONE-TYPE</th> <td>4</td> </tr> <tr> <th>COMAKER_1_PHONE-TECHNOLOGY-TYPE</th> <td>4</td> </tr> <tr> <th>COMAKER_1_COUNTRY-DIAL-CODE</th> <td>4</td> </tr> <tr> <th>COMAKER_1_COUNTRY-REFERENCE</th> <td>4</td> </tr> <tr> <th>COMAKER_1_CONNECT-ATTEMPT-COUNT</th> <td>4</td> </tr> <tr> <th>COMAKER_1_LAST-CONNECT-ATTEMPT-DATE</th> <td>4</td> </tr> <tr> <th>COMAKER_1_LAST-CONNECT-SUCCESS-DATE</th> <td>4</td> </tr> <tr> <th>COMAKER_1_PHONE-STATUS</th> <td>4</td> </tr> <tr> <th>COMAKER_1_PHONE-SOURCE</th> <td>4</td> </tr> <tr> <th>COMAKER_1 PHONE-CONSENT-FLAG</th> <td>4</td> </tr> <tr> <th>COMAKER_1 PHONE-CONSENT-DATE</th> <td>4</td> </tr> <tr> <th>COMAKER_2_LETTER-METHOD</th> <td></td> </tr> <tr> <th>COMAKER_2_EMAIL-ADDRESS</th> <td></td> </tr> <tr> <th>COMAKER_2_EMAIL-VALIDITY</th> <td></td> </tr> <tr> <th>COMAKER_2_EMAIL-OPTIN-FLAG</th> <td></td> </tr> <tr> <th>COMAKER_2_EMAIL-OPTIN-DATE</th> <td></td> </tr> <tr> <th>COMAKER_2_ADDRESS-LINE-1</th> <td></td> </tr> <tr> <th>COMAKER_2_ADDRESS-LINE-2</th> <td></td> </tr> <tr> <th>COMAKER_2_ADDRESS-LINE-3</th> <td></td> </tr> <tr> <th>COMAKER_2_ADDRESS-CITY</th> <td></td> </tr> <tr> <th>COMAKER_2_ADDRESS-COUNTY</th> <td></td> </tr> <tr> <th>COMAKER_2_ADDRESS-STATE-CODE</th> <td></td> </tr> <tr> <th>COMAKER_2_ADDRESS-POSTAL-CODE</th> <td></td> </tr> <tr> <th>COMAKER_2_ADDRESS-COUNTRY-CODE</th> <td></td> </tr> <tr> <th>COMAKER_2_MAIL-RETURN-CODE-VALUE</th> <td></td> </tr> </table> <table> <tr> <th>COMAKER_2_MAIL-RETURN-DATE</th> </tr> <tr> <th>COMAKER_2_MAIL-RETURN-COMMENTS</th> </tr> <tr> <th>COMAKER_2_ADDRESS-SOURCE</th> </tr> <tr> <th>COMAKER_2_ADDRESS-STATUS</th> </tr> <tr> <th>COMAKER_2_PHONE-NUMBER_1</th> </tr> <tr> <th>COMAKER_2_PHONE-EXTENSION_1</th> </tr> <tr> <th>COMAKER_2_PHONE-TYPE_1</th> </tr> <tr> <th>COMAKER_2_PHONE-TECHNOLOGY-TYPE_1</th> </tr> <tr> <th>COMAKER_2_COUNTRY-DIAL-CODE_1</th> </tr> <tr> <th>COMAKER_2_COUNTRY-REFERENCE_1</th> </tr> <tr> <th>COMAKER_2_CONNECT-ATTEMPT-COUNT_1</th> </tr> <tr> <th>COMAKER_2_LAST-CONNECT-ATTEMPT-DATE_1</th> </tr> <tr> <th>COMAKER_2_LAST-CONNECT-SUCCESS-DATE_1</th> </tr> <tr> <th>COMAKER_2_PHONE-STATUS_1</th> </tr> <tr> <th>COMAKER_2_PHONE-SOURCE_1</th> </tr> <tr> <th>COMAKER_2_PHONE-CONSENT-FLAG_1</th> </tr> <tr> <th>COMAKER_2_PHONE-CONSENT-DATE_1</th> </tr> <tr> <th>COMAKER_2_PHONE-NUMBER_2</th> </tr> <tr> <th>COMAKER_2_PHONE-EXTENSION_2</th> </tr> <tr> <th>COMAKER_2_PHONE-TYPE_2</th> </tr> <tr> <th>COMAKER_2_PHONE-TECHNOLOGY-TYPE_2</th> </tr> <tr> <th>COMAKER_2_COUNTRY-DIAL-CODE_2</th> </tr> <tr> <th>COMAKER_2_COUNTRY-REFERENCE_2</th> </tr> <tr> <th>COMAKER_2_CONNECT-ATTEMPT-COUNT_2</th> </tr> <tr> <th>COMAKER_2_LAST-CONNECT-ATTEMPT-DATE_2</th> </tr> </table> <table> <tr> <th>COMAKER_2_LAST-CONNECT-SUCCESS-DATE 2</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-STATUS 2</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-SOURCE 2</th> <td></td> </tr> <tr> <th>COMAKER_2 PHONE-CONSENT-FLAG 2</th> <td></td> </tr> <tr> <th>COMAKER_2 PHONE-CONSENT-DATE 2</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-NUMBER 3</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-EXTENSION 3</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-TYPE 3</th> <td></td> </tr> <tr> <th>COMAKER_2 PHONE-TECHNOLOGY-TYPE 3</th> <td></td> </tr> <tr> <th>COMAKER_2 COUNTRY-DIAL-CODE 3</th> <td></td> </tr> <tr> <th>COMAKER_2 COUNTRY-REFERENCE 3</th> <td></td> </tr> <tr> <th>COMAKER_2_CONNECT-ATTEMPT-COUNT 3</th> <td></td> </tr> <tr> <th>COMAKER_2 LAST-CONNECT-ATTEMPT-DATE 3</th> <td></td> </tr> <tr> <th>COMAKER_2 LAST-CONNECT-SUCCESS-DATE 3</th> <td></td> </tr> <tr> <th>COMAKER_2 PHONE-STATUS 3</th> <td></td> </tr> <tr> <th>COMAKER_2 PHONE-SOURCE 3</th> <td></td> </tr> <tr> <th>COMAKER_2 PHONE-CONSENT-FLAG 3</th> <td></td> </tr> <tr> <th>COMAKER_2 PHONE-CONSENT-DATE 3</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-NUMBER 4</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-EXTENSION 4</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-TYPE 4</th> <td></td> </tr> <tr> <th>COMAKER_2 PHONE-TECHNOLOGY-TYPE 4</th> <td></td> </tr> <tr> <th>COMAKER_2 COUNTRY-DIAL-CODE 4</th> <td></td> </tr> <tr> <th>COMAKER_2 COUNTRY-REFERENCE 4</th> <td></td> </tr> <tr> <th>COMAKER_2_CONNECT-ATTEMPT-COUNT 4</th> <td></td> </tr> </table> <table> <tr> <th>COMAKER_2_LAST-CONNECT-ATTEMPT-DATE_4</th> <td></td> </tr> <tr> <th>COMAKER_2_LAST-CONNECT-SUCCESS-DATE_4</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-STATUS_4</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-SOURCE_4</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-CONSENT-FLAG_4</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-CONSENT-DATE_4</th> <td></td> </tr> <tr> <th>CREDIT-GRANTED-DATE</th> <td></td> </tr> <tr> <th>CREDIT-PLACEMENT-DATE</th> <td>Jan 4 2024 12:00AM</td> </tr> <tr> <th>CREDIT-LAST-SERVICE-DATE</th> <td>Jan 3 2024 12:00AM</td> </tr> <tr> <th>INTEREST-PERCENTAGE</th> <td>0.0000000</td> </tr> <tr> <th>INTEREST-TYPE-CODE</th> <td>NONE</td> </tr> <tr> <th>ORIGINAL-NOMINAL-BALANCE</th> <td>2300.92</td> </tr> <tr> <th>CHARGE-OFF-DATE</th> <td>Jan 3 2024 12:00AM</td> </tr> <tr> <th>REFINANCE-DATE</th> <td></td> </tr> <tr> <th>DELINQUENCY-DATE</th> <td>Jul 5 2023 12:00AM</td> </tr> <tr> <th>INTEREST-START-DATE</th> <td></td> </tr> <tr> <th>BUCKET-TRANSACTION-TYPE</th> <td>PLACEMENT</td> </tr> <tr> <th>PRI</th> <td>1631.80</td> </tr> <tr> <th>PRI-OTHR</th> <td></td> </tr> <tr> <th>INT</th> <td>350.30</td> </tr> <tr> <th>SUMPTCOINT</th> <td>0.00</td> </tr> <tr> <th>SUMPTCOFEES</th> <td>0.00</td> </tr> <tr> <th>SUMPTCOCREDITS</th> <td>0.00</td> </tr> <tr> <th>SUMPTCOPMTS</th> <td>0.00</td> </tr> <tr> <th>HDSPUTEAMT</th> <td></td> </tr> <tr> <th>OPENDATE</th> <td>2022-10-27</td> </tr> <tr> <th>HOEX_LASTPAYDATE</th> <td></td> </tr> <tr> <th>ORGCHGOFFPRI</th> <td>1631.80</td> </tr> <tr> <th>ORGCHGOFFINT</th> <td>350.30</td> </tr> <tr> <th>ORGCHGOFFCOST</th> <td></td> </tr> <tr> <th>FXDPAYAMT</th> <td>0.00</td> </tr> <tr> <th>LSTPURDTE</th> <td>2023-06-07</td> </tr> <tr> <th>LSTMONDTE</th> <td>2024-01-03</td> </tr> <tr> <th>ORGCHGOFFFEES</th> <td>318.82</td> </tr> <tr> <th>LSTSTMTDT</th> <td>2024-01-03</td> </tr> <tr> <th>LSTSTBAMT</th> <td>2300.92</td> </tr> <tr> <th>PRECOLSTSPAYAMT</th> <td>58.00</td> </tr> </table> <table> <tr> <th>PRECOLSTPAYDT</th> <td>2023-05-28</td> </tr> <tr> <th>REWARDRCREDITS</th> <td>0.00</td> </tr> <tr> <th>LSTCASHADVAM</th> <td>103.75</td> </tr> <tr> <th>LSTSUCCONT</th> <td></td> </tr> <tr> <th>LSTBALXFDTE</th> <td>2023-03-06</td> </tr> <tr> <th>HOEX_STMTHDCD</th> <td>Y</td> </tr> <tr> <th>ORGACTDTE</th> <td></td> </tr> <tr> <th>STMTSTARTDTE</th> <td></td> </tr> <tr> <th>STMTENDDTE</th> <td></td> </tr> <tr> <th>LISTBLLPDU</th> <td></td> </tr> <tr> <th>HOEX2_STMTHDCD</th> <td></td> </tr> <tr> <th>HOSLTTRHISTNO1</th> <td>B518</td> </tr> <tr> <th>HOSLTTRHISTDT1</th> <td>2023-12-25</td> </tr> <tr> <th>HOSLTTRHISTNO2</th> <td>B560</td> </tr> <tr> <th>HOSLTTRHISTDT2</th> <td>2023-12-08</td> </tr> <tr> <th>HOSLTTRHISTNO3</th> <td>B546</td> </tr> <tr> <th>HOSLTTRHISTDT3</th> <td>2023-11-24</td> </tr> <tr> <th>HOSLTTRHISTNO4</th> <td>B545</td> </tr> <tr> <th>HOSLTTRHISTDT4</th> <td>2023-10-24</td> </tr> <tr> <th>HOSLTTRHISTNO5</th> <td>B544</td> </tr> <tr> <th>HOSLTTRHISTDT5</th> <td>2023-09-25</td> </tr> <tr> <th>HOSLTTRHISTNO6</th> <td></td> </tr> <tr> <th>HOSLTTRHISTDT6</th> <td></td> </tr> <tr> <th>HOSLTTRHISTNO7</th> <td></td> </tr> <tr> <th>HOSLTTRHISTDT7</th> <td></td> </tr> <tr> <th>HOSLTTRHISTNO8</th> <td></td> </tr> <tr> <th>HOSLTTRHISTDT8</th> <td></td> </tr> <tr> <th>HOSLTTRHISTNO9</th> <td></td> </tr> <tr> <th>HOSLTTRHISTDT9</th> <td></td> </tr> <tr> <th>HOSLTTRHISTNO10</th> <td></td> </tr> <tr> <th>HOSLTTRHISTDT10</th> <td></td> </tr> <tr> <th>LASTPAYDATE</th> <td>2023-05-28</td> </tr> <tr> <th>LASTPAYAMT</th> <td>58.00</td> </tr> <tr> <th>ORJDGFEEES</th> <td></td> </tr> <tr> <th>ORJDGESCRW</th> <td></td> </tr> <tr> <th>SIFSTD</th> <td></td> </tr> <tr> <th>NXTPAYDTE</th> <td></td> </tr> <tr> <th>OFFICERCODE</th> <td>JCP004</td> </tr> <tr> <th>BCLE</th> <td>BC0181</td> </tr> <tr> <th>STATUTE-OF-LIMITATIONS-DT</th> <td></td> </tr> <tr> <th>OOSDATE</th> <td>2028-07-03</td> </tr> <tr> <th>CONSUMER-AGENCY-IDENTIFIER</th> <td></td> </tr> <tr> <th>USER-ATTORNEY-FLAG</th> <td>0</td> </tr> </table> <table> <tr> <th>CNSMR_IDNTFR_AGENCY_ID</th> <td></td> </tr> <tr> <th>COMAKER_1_CONSUMER-AGENCY-IDENTIFIER</th> <td></td> </tr> <tr> <th>COMAKER_1_USER-ATTORNEY-FLAG</th> <td></td> </tr> <tr> <th>COMAKER_2_CONSUMER-AGENCY-IDENTIFIER</th> <td></td> </tr> <tr> <th>COMAKER_2_USER-ATTORNEY-FLAG</th> <td></td> </tr> <tr> <th>COLLTRLID</th> <td></td> </tr> <tr> <th>VEHICLEYR</th> <td></td> </tr> <tr> <th>VEHICLEMK</th> <td></td> </tr> <tr> <th>REPODATE</th> <td></td> </tr> <tr> <th>VPAMTPURCYC1</th> <td></td> </tr> <tr> <th>VPCYC30DELCT</th> <td></td> </tr> <tr> <th>VPCYC60DELCT</th> <td></td> </tr> <tr> <th>VPCYC90DELCT</th> <td></td> </tr> <tr> <th>VPCYC120DELCT</th> <td></td> </tr> <tr> <th>VPCYC180DELCT</th> <td></td> </tr> <tr> <th>VPCYC30DELAM</th> <td></td> </tr> <tr> <th>VPCYC90DELAM</th> <td></td> </tr> <tr> <th>VPCYC91DELAM</th> <td></td> </tr> <tr> <th>VPAMTPMTSCYC</th> <td></td> </tr> <tr> <th>VPPAYOFFAMT</th> <td></td> </tr> <tr> <th>VPDATEMATURE</th> <td></td> </tr> <tr> <th>VPREGPYTDTE</th> <td></td> </tr> <tr> <th>VPLATECHARGES</th> <td></td> </tr> <tr> <th>VPLSTEXTDTE</th> <td></td> </tr> <tr> <th>VPOWNRENT</th> <td></td> </tr> <tr> <th>VPCCOLLID</th> <td></td> </tr> <tr> <th>VPVEHYEAR</th> <td></td> </tr> <tr> <th>VPVEHMAKE</th> <td></td> </tr> <tr> <th>VPREPODATE</th> <td></td> </tr> <tr> <th>VPCOLSALEPRC</th> <td></td> </tr> <tr> <th>SECURED</th> <td></td> </tr> <tr> <th>BK_BKCASENUM</th> <td></td> </tr> <tr> <th>BK_BKFILEDATE</th> <td></td> </tr> <tr> <th>BK_OBJDISCHDTE</th> <td></td> </tr> <tr> <th>BK_DISMISSDATE</th> <td></td> </tr> <tr> <th>BK_DISCHGDATE</th> <td></td> </tr> <tr> <th>BK_RFFMDATE</th> <td></td> </tr> <tr> <th>BK_ACCPTDATE</th> <td></td> </tr> <tr> <th>BK_BKCHAPTER</th> <td></td> </tr> <tr> <th>BK_VOLSUR</th> <td></td> </tr> <tr> <th>BK_PRIMARYFILER</th> <td></td> </tr> <tr> <th>BK_BKREINSTATEDT</th> <td></td> </tr> </table> BK JOINTFILER BKC BKCASENUM BKC BKFILDEDATE BKC DISMISSDATE BKC DISCHGDATE BKC RFFMDATE BKC ACCPTDATE BKC BKCHAPTER BKC VOLSUR BKC PRIMARYFILER BKC JOINTFILER BKW BKCASENUM BKW BKFILDEDATE BKW DISMISSDATE BKW DISCHGDATE BKW RFFMDATE BKW ACCPTDATE BKW BKCHAPTER BKW VOLSUR BKW PRIMARYFILER BKW JOINTFILER JUDGDATE SUITFILEDATE CASEDOCKETNBR BKSCRUBNOHIT UDBKC BKCASENUM UDBKC BKFILDEDATE UDBKC DISMISSDATE UDBKC DISCHGDATE UDBKC RFFMDATE UDBKC ACCPTDATE UDBKC BKCHAPTER UDBKC VOLSUR UDBKC PRIMARYFILER UDBKC JOINTFILER UDBKW BKCASENUM UDBKW BKFILDEDATE UDBKW DISMISSDATE UDBKW DISCHGDATE UDBKW RFFMDATE UDBKW ACCPTDATE UDBKW BKCHAPTER UDBKW VOLSUR UDBKW PRIMARYFILER UDBKW JOINTFILER AE_FULL-NAME <table> <tr> <th>AE ADDRESS-LINE-1</th> <td></td> </tr> <tr> <th>AE ADDRESS-LINE-2</th> <td></td> </tr> <tr> <th>AE ADDRESS-CITY</th> <td></td> </tr> <tr> <th>AE ADDRESS-STATE-CODE</th> <td></td> </tr> <tr> <th>AE_ADDRESS-POSTAL-CODE</th> <td></td> </tr> <tr> <th>COMAKER_1_AE_FULL-NAME</th> <td></td> </tr> <tr> <th>COMAKER_1_AE_ADDRESS-LINE-1</th> <td></td> </tr> <tr> <th>COMAKER_1_AE_ADDRESS-LINE-2</th> <td></td> </tr> <tr> <th>COMAKER_1_AE_ADDRESS-CITY</th> <td></td> </tr> <tr> <th>COMAKER_1_AE_ADDRESS-STATE-CODE</th> <td></td> </tr> <tr> <th>COMAKER_1_AE_ADDRESS-POSTAL-CODE</th> <td></td> </tr> <tr> <th>COMAKER_2_AE_FULL-NAME</th> <td></td> </tr> <tr> <th>COMAKER_2_AE_ADDRESS-LINE-1</th> <td></td> </tr> <tr> <th>COMAKER_2_AE_ADDRESS-LINE-2</th> <td></td> </tr> <tr> <th>COMAKER_2_AE_ADDRESS-CITY</th> <td></td> </tr> <tr> <th>COMAKER_2_AE_ADDRESS-STATE-CODE</th> <td></td> </tr> <tr> <th>COMAKER_2_AE_ADDRESS-POSTAL-CODE</th> <td></td> </tr> <tr> <th>CONSUMER-BEHAVIOR-SCORE</th> <td>0</td> </tr> <tr> <th>CONSUMER-ACCESS-PIN-NUMBER</th> <td></td> </tr> <tr> <th>CONSUMER-INFO-CORRELATION-IDENTIFIER</th> <td></td> </tr> <tr> <th>CREDITOR-NAME</th> <td>CARDPLCC</td> </tr> <tr> <th>CREDITOR-SHORT-NAME</th> <td></td> </tr> <tr> <th>CREDITOR-TYPE</th> <td></td> </tr> <tr> <th>CRB-REFERENCE-IDENTIFIER</th> <td></td> </tr> <tr> <th>DESCRIPTION-TEXT</th> <td></td> </tr> <tr> <th>IS-INTERNAL-FLAG</th> <td>0</td> </tr> <tr> <th>SUPRESS-CREDIT-BUREAU-REPORTING</th> <td>1</td> </tr> <tr> <th>AGE-AT-PLACEMENT</th> <td></td> </tr> <tr> <th>ACCOUNT-TYPE-CODE</th> <td>UNKNOWN</td> </tr> <tr> <th>ACCOUNT-PORTFOLIO-CODE</th> <td>R</td> </tr> <tr> <th>CORRELATION-IDENTIFIER</th> <td></td> </tr> </table> <table> <tr><th>INCOME-GROSS-AMOUNT</th><td></td></tr> <tr><th>SEQ_NO</th><td></td></tr> <tr><th>TYPE</th><td></td></tr> <tr><th>WRKGRP_SHRT_NM</th><td></td></tr> <tr><th>CNSMR_LST_WRKGRP_SHRT_NM</th><td></td></tr> <tr><th>CNSMR_TMNZ_OVRRD_VALL_TXT</th><td></td></tr> <tr><th>FULL-TEXT</th><td></td></tr> <tr><th>OBSCULE-REASON</th><td></td></tr> <tr><th>OBSCULE-DATE</th><td></td></tr> <tr><th>RAW-TEXT_1</th><td>N</td></tr> <tr><th>SCORE-NUMBER_1</th><td>1</td></tr> <tr><th>RAW-TEXT_2</th><td></td></tr> <tr><th>SCORE-NUMBER_2</th><td></td></tr> <tr><th>RAW-TEXT_3</th><td></td></tr> <tr><th>SCORE-NUMBER_3</th><td></td></tr> <tr><th>RAW-TEXT_4</th><td></td></tr> <tr><th>SCORE-NUMBER_4</th><td></td></tr> <tr><th>REQUESTDATE</th><td></td></tr> <tr><th>CII</th><td></td></tr> <tr><th>ECCOA</th><td>1</td></tr> <tr><th>SALEPRICE</th><td></td></tr> <tr><th>CLAIMDATE</th><td></td></tr> <tr><th>CHGOFFRSN</th><td>WNPY</td></tr> <tr><th>CORFLGCDE</th><td>0</td></tr> <tr><th>TLNSFCKCT</th><td>0</td></tr> <tr><th>MISC1</th><td></td></tr> <tr><th>CBRCODE</th><td>1</td></tr> <tr><th>CLASSFTN</th><td></td></tr> <tr><th>CHGOFFCDE</th><td>86</td></tr> <tr><th>GENERATIONCODE</th><td></td></tr> <tr><th>CLIENTNAME</th><td>SYNCHRONY BANK</td></tr> <tr><th>COMMERCIALTIN</th><td></td></tr> <tr><th>COMMERCIALNAME</th><td></td></tr> <tr><th>NONREISSUELTRNO</th><td></td></tr> <tr><th>BOOKPAGE</th><td></td></tr> <tr><th>LOANTYPE</th><td></td></tr> <tr><th>SCRAEXPIRE</th><td></td></tr> <tr><th>DECSCRUBNOHIT</th><td></td></tr> <tr><th>SIFPGMKY</th><td></td></tr> <tr><th>UDCBD_CII</th><td></td></tr> <tr><th>UDCBD_ECOA</th><td></td></tr> <tr><th>COMAKER_1_CONSUMER-INFO-CORRELATION-IDENTIFIER</th><td></td></tr> <tr><th>COMAKER_1_FULL-TEXT</th><td></td></tr> </table> <table> <tr> <th>COMAKER_1_OBSOLETEREASON</th> <td></td> </tr> <tr> <th>COMAKER_1_OBSOLETEDATE</th> <td></td> </tr> <tr> <th>COMAKER_1_RAW-TEXT_1</th> <td></td> </tr> <tr> <th>COMAKER_1_SCORE-NUMBER_1</th> <td></td> </tr> <tr> <th>COMAKER_1_RAW-TEXT_2</th> <td></td> </tr> <tr> <th>COMAKER_1_SCORE-NUMBER_2</th> <td></td> </tr> <tr> <th>COMAKER_1_RAW-TEXT_3</th> <td></td> </tr> <tr> <th>COMAKER_1_SCORE-NUMBER_3</th> <td></td> </tr> <tr> <th>COMAKER_1_RAW-TEXT_4</th> <td></td> </tr> <tr> <th>COMAKER_1_SCORE-NUMBER_4</th> <td></td> </tr> <tr> <th>COMAKER_2_CONSUMERINFO-CORRELATION-IDENTIFIER</th> <td></td> </tr> <tr> <th>COMAKER_2_FULL-TEXT</th> <td></td> </tr> <tr> <th>COMAKER_2_OBSOLETEREASON</th> <td></td> </tr> <tr> <th>COMAKER_2_OBSOLETEDATE</th> <td></td> </tr> <tr> <th>COMAKER_2_RAW-TEXT_1</th> <td></td> </tr> <tr> <th>COMAKER_2_SCORE-NUMBER_1</th> <td></td> </tr> <tr> <th>COMAKER_2_RAW-TEXT_2</th> <td></td> </tr> <tr> <th>COMAKER_2_SCORE-NUMBER_2</th> <td></td> </tr> <tr> <th>COMAKER_2_RAW-TEXT_3</th> <td></td> </tr> <tr> <th>COMAKER_2_SCORE-NUMBER_3</th> <td></td> </tr> <tr> <th>COMAKER_2_RAW-TEXT_4</th> <td></td> </tr> <tr> <th>COMAKER_2_SCORE-NUMBER_4</th> <td></td> </tr> </table> EXHIBIT 3 SYNCHRONY BANK PRICING INFORMATION ADDENDUM FOR YOUR JCPENNEY REWARDS MASTERCARD® ACCOUNT ENDING IN 5258 Interest Rates and Interest Charges <table> <tr> <th>Annual Percentage Rate (APR) for Purchases and Balance Transfers</th> <td>The APR for your purchases and balance transfers is the Prime Rate plus 22.74%.<br><br>The daily rate for purchases and balance transfers is the Prime Rate plus 22.74%, times 1/365.<br><br>This APR will vary with the market based on the Prime Rate.</td> </tr> <tr> <th>APR for Cash Advances</th> <td>The APR for your cash advances is the Prime Rate plus 22.74%.<br><br>The daily rate for cash advances is the Prime Rate plus 22.74%, times 1/365.<br><br>This APR will vary with the market based on the Prime Rate.</td> </tr> <tr> <th>Paying Interest</th> <td>Your due date is at least 23 days after the close of each billing period. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.</td> </tr> <tr> <th>Minimum Finance Charge</th> <td>If you are charged interest, the Finance Charge will be no less than $2.00.</td> </tr> </table> SEE NEXT PAGE for more important information about your Account. <table> <tr> <th>Fees</th> <th></th> </tr> <tr> <td><b>Transaction Fees</b><br>&bull; Balance Transfer<br>&bull; Cash Advance<br>&bull; Foreign Transaction</td> <td> Not Applicable.<br> Either $10 or 5% of the amount of each cash advance, whichever is greater. (maximum fee Not Applicable).<br> 3% of the transaction. </td> </tr> <tr> <td><b>Penalty Fees</b><br>&bull; Late Payment</td> <td> Up to $41<br> The amount of the late payment fee will be equal to: (1) $30 if you have paid at least your total minimum payment due by the due date in each of the prior six billing cycles or (2) $41 if you have failed to pay at least the total minimum payment due by the due date in any one or more of the prior six billing cycles. However, if the late payment fee would exceed the total minimum payment for which the late payment fee is assessed, the amount of the late payment fee will instead be equal to the amount of the total minimum payment that was due. </td> </tr> </table> How We Will Calculate Your Balance: We use a method called "daily balance". Variable Rate Information The Prime Rate for a billing period is the highest bank prime loan rate as published in The Wall Street Journal in its Money Rates section on the last business day of the calendar month preceding the first day of the billing period. The Periodic Rate and corresponding APRs may vary. If the Prime Rate increases, the Periodic Rates and corresponding APRs may increase, and as a result the periodic Finance Charge, Total Minimum Payment, and number of payments also may increase. Any change in the Periodic Rates will apply to your entire Account balance (unless otherwise specified in any applicable promotional offer that provides for different terms for that promotion). A change in the Prime Rate will take effect on the first day of the billing period after the change. We may select a new interest rate index if the Prime Rate is not available. SYNCHRONY BANK SECTION I: RATES AND FEES TABLE JCPENNEY MASTERCARD® CREDIT CARD ACCOUNT AGREEMENT Information from Section I of the JCPenney Mastercard Credit Card Account Agreement is provided in the accompanying Pricing Information Addendum. SECTION II: RATES, FEES AND PAYMENT INFORMATION JCPENNEY MASTERCARD® CREDIT CARD ACCOUNT AGREEMENT <table> <tr> <th>How Interest Is Calculated</th> <th></th> </tr> <tr> <th>Your Interest Rate</th> <td>We use a daily rate to calculate the interest on the balance on your account each day. The daily rate is the applicable APR times 1/365. Interest will be imposed in amounts or at rates not in excess of those permitted by applicable law. See the accompanying Pricing Information Addendum for your daily rate for purchases and cash advances and corresponding APR information.</td> </tr> <tr> <th>When We Charge Interest</th> <td><b>Purchases.</b> We charge interest on your purchases from the date you make the purchase until you pay the purchase in full. See exceptions below.<br> • We will not charge you interest during a billing cycle on any purchases if:<br> 1. You had no balance at the start of the billing cycle; OR<br> 2. You had a balance at the start of the billing cycle and you paid that balance in full by the due date in that billing cycle.<br> • We will credit, as of the start of the billing cycle, any payment you make by the due date that we allocate to purchases if:<br> 1. You had no balance at the start of the previous billing cycle; OR<br> 2. You had a balance at the start of the previous billing cycle and you paid that balance in full by the due date in the previous billing cycle.<br> <b>Cash Advances.</b> We charge interest on your cash advances, and their related fees, from the date you make the transaction until you pay them in full. You cannot avoid paying interest on cash advances or their related fees.</td> </tr> <tr> <th>How We Calculate Interest</th> <td>We figure the interest charge on your account separately for each balance type. We do this by applying the daily rate to the daily balance for each day in the billing cycle. A separate daily balance is calculated for the following balance types, as applicable: purchases, cash advances and balances subject to different interest rates, plans or special promotions. See below for how this works.<br> 1. How to get the daily balance: We take the starting balance each day, add any new charges and fees, and subtract any payments or credits. This gives us the daily balance.<br> We apply fees to balance types as follows:<br> (a) late payment fees are treated as new purchases;<br> (b) debt cancellation fees are added proportionately to each balance;<br> (c) cash advance fees are added to the cash advance balance; and<br> (d) foreign transaction fees are added to the purchase balance.<br> 2. How to get the daily interest amount: We multiply each daily balance by the daily rate that applies.<br> 3. How to get the starting balance for the next day: We add the daily interest amount in step 2 to the daily balance from step 1.<br> 4. How to get the interest charge for the billing cycle: We add all the daily interest amounts that were charged during the billing cycle.<br> We charge a minimum interest in any billing cycle in which you owe interest. This charge is added proportionately to each balance type. See the accompanying Pricing Information Addendum for the amount of your minimum interest charge.</td> </tr> </table> <table> <tr> <th>How Fees Work</th> <th></th> </tr> <tr> <th>Cash Advance Fee</th> <td>We will charge this fee for each cash advance you make. For ATM cash advances this fee is in addition to any fee the ATM owner may charge you for use of the ATM.</td> </tr> <tr> <th>Foreign Transaction Fee</th> <td>We will charge this fee for purchases or cash advances you make in currencies other than U.S. dollars and/or in a country other than the U.S., whether or not the transaction was in a foreign currency.<br><br>If you make a transaction with your account in a currency other than U.S. dollars, Mastercard will convert the transaction amount into U.S. dollars using its currency conversion procedure. Under the currency conversion procedure that Mastercard currently uses, the non-U.S. dollar transaction amount is converted into a U.S. dollar amount by multiplying the transaction amount in the non-U.S. dollar currency by a currency conversion rate. Mastercard’s currency conversion procedure is based on rates observed in the wholesale market or government-mandated rates, where applicable. The currency conversion rate that Mastercard uses for a particular transaction is the rate for the applicable currency on the date that the transaction occurred. However, in limited situations, particularly where transaction submissions to Mastercard for processing are delayed, the currency conversion rate that Mastercard uses may be the rate for the applicable currency on the date that the transaction is processed.</td> </tr> <tr> <th>Late Payment Fee</th> <td>We will charge this fee if we do not receive the total minimum payment due on your account by 5 p.m. (ET) on the due date. See the accompanying Pricing Information Addendum for the amount of this fee.</td> </tr> </table> Minimum Payment Calculation See the accompanying Variable Terms Addendum for how your total minimum payment due is calculated. Special Promotional Financing Offer Information At times, we may offer you special financing promotions for certain transactions ("special promotions"). The terms of this Agreement apply to any special promotions. However, any special promotional terms that are different than the terms in this Agreement will be explained on promotional advertising or other disclosures provided to you. Below is a description of certain promotions that may be offered at JCPenney Stores and online at jcp.com: <table> <tr> <th>No Interest For 6 Months</th> <td rowspan="5">For each promotion, after the promotion ends, the variable Purchase APR that applies to your account when the promotional purchase is made will apply.<br>See the accompanying Pricing information Addendum for your purchase APR.</td> </tr> <tr> <th>No Interest For 12 Months</th> </tr> <tr> <th>No Interest For 18 Months</th> </tr> <tr> <th>No Interest For 24 Months</th> </tr> <tr> <th>No Interest For 30 Months</th> </tr> </table> When you make a qualifying purchase under one of these promotions, no interest will be assessed on the purchase during the promotional period, but minimum monthly payments are required. Regular account terms apply to non-promotional purchases and, after promotion ends, to your promotional purchases. Offers are subject to credit approval. These promotional offers may not be available at all times for all purchases. Please see any special promotion advertising or other disclosures provided to you for the full terms of any special promotion offered. In addition, the special promotions described below may be offered at JCPenney Stores and online at jcp.com: <table> <tr> <th>No Interest if Paid in Full Within 6 Months</th> <td rowspan="5">For each promotion, if the promotional balance is not paid in full within the promotional period, interest will be imposed from the date of purchase at the variable Purchase APR that applies to your account when the promotional purchase is made.<br>See the accompanying Pricing Information Addendum for your purchase APR.</td> </tr> <tr> <th>No Interest if Paid in Full Within 12 Months</th> </tr> <tr> <th>No Interest if Paid in Full Within 18 Months</th> </tr> <tr> <th>No Interest if Paid in Full Within 24 Months</th> </tr> <tr> <th>No Interest if Paid in Full Within 30 Months</th> </tr> </table> When you make a qualifying purchase under one of these promotions, no interest will be assessed on the purchase if you pay the promotional purchase amount in full within the applicable promotional period. If you do not, interest will be assessed on the promotional purchase from the date of the purchase. Minimum monthly payments are required. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases. Offers are subject to credit approval. These promotional offers may not be available at all times for all purchases. Please see any special promotion advertising or other disclosures provided to you for the full terms of any special promotion offered. SECTION III: STANDARD PROVISIONS JCPENNEY MASTERCARD® CREDIT CARD ACCOUNT AGREEMENT ABOUT THE CREDIT CARD ACCOUNT AGREEMENT This Agreement. This is an Agreement between you and Synchrony Bank, 170 Election Road, Suite 125, Draper, UT 84020, for your credit card account shown above. By opening or using your account, you agree to the terms of the entire Agreement. The entire Agreement includes the four sections of this document and the application you submitted to us in connection with the account. These documents replace any other agreement relating to your account that you or we made earlier or at the same time. Parties To This Agreement. This Agreement applies to each accountholder approved on the account and each of you is responsible for paying the full amount due, no matter which one uses the account. We may treat each of you as one accountholder and may refer to each of you as "you" or "your." Synchrony Bank may be referred to as “we,” “us” or “our.” Changes To This Agreement. We may change, add or delete terms of this Agreement, including interest rates, fees and charges. Special Promotions. The terms of this Agreement apply to any special promotion. However, any special promotional terms that are different than the terms in this Agreement will be explained on promotional advertising or other disclosures provided to you. HOW TO USE YOUR ACCOUNT/CARD Use Of Your Account. You may use your account only for lawful personal, family or household purposes. You may use your account for purchases from any JCPenney Store, jcp.com, or anywhere that accepts Mastercard credit cards. You may get cash advances as further explained below. You may not use your account to pay amounts you owe us on this account or any other account you have with us. If you have credit insurance on this account, for the purpose of your credit insurance certificate of insurance, the regular charge plan balance is your account balance. Any benefit which may be paid on this account by your credit insurance will be subject to the terms, limitations and exclusions contained in the master policy and your certificate of insurance. Cash Advances. We may offer you the opportunity to get a cash advance with convenience checks that we send you. We may not honor a convenience check for any reason stated on the check. You can also get cash or make a withdrawal from any institution or ATM that accepts the card or the account. In addition, we will treat any purchase of certain cash-like items as cash advances. Cash-like items include for example, money orders, cashier’s checks, traveler’s checks, electronic or wire transfers, foreign currency or other in-bank transactions, tax payments, lottery tickets or other legalized gambling transactions, court costs, bail bonds and fines. You Promise To Pay. You promise to pay us for all amounts owed to us under this Agreement. Your Responsibility. Each accountholder will receive a card. You may not allow anyone else to use your account. If you do, or if you ask us to send a card to someone else, you will be responsible for paying for all charges resulting from their transactions. Transaction Limits. To prevent fraud, we may limit the number or dollar amount of transactions you can make in any particular amount of time. We also may decline any particular charge on your account for any reason. Credit Limit. You will be assigned a credit limit and cash advance limit on your account that we may increase or decrease from time to time. If we approve a transaction that makes you go over your credit limit or your cash advance limit, we do not give up any rights under this Agreement and we do not treat it as an increase in either limit. HOW AND WHEN TO MAKE PAYMENTS When Payments Are Due. You must pay at least the total minimum payment due on your account by 5 p.m. (ET) on the due date of each billing cycle. Payments received after 5 p.m. (ET) will be credited as of the next day. You may at any time pay, in whole or in part, the total unpaid balance without any additional charge for prepayment. If you have a balance subject to interest, earlier payment may reduce the amount of interest you will pay. We may delay making credit available on your account in the amount of your payment even though we will credit your payment when we receive it. Payment Options. You can pay by mail or online. We may allow you to make payments over the phone but we will charge you a fee to make expedited phone payments. Your payment must be made in U.S. dollars by physical or electronic check, money order or a similar instrument from a bank located in the United States. How To Make A Payment. You must follow the instructions for making payments provided on your billing statement. If you do not, credit of your payment may be delayed up to five days. Your billing statement also explains how information on your check is used. Payment Allocation. We will apply the required total minimum payment to balances on your account using any method we choose. Any payment you make in excess of the required total minimum payment will be applied to higher APR balances before lower APR balances. Applicable law may require or permit us to apply excess payments in a different manner in certain situations, such as when your account has a certain type of special promotion. INFORMATION ABOUT YOU Using And Sharing Your Information. When you applied for an account, you authorized and directed us to give information about you and your account to JCPenney and its affiliates and licensees (the “JCPenncy family”). The JCPenney family will use the information in connection with the credit program and for things like creating and updating its records for you, assisting them in better serving you, and providing you with notices of special promotions, marketing materials and tailored offerings. More information about how we use and share information is set forth in the privacy policy for your account. Address/Phone Change. You represent that any phone number that you provide to us belongs to you and/or that you are authorized to provide that number. You also agree to tell us right away if you change your address or any phone number. Consent To Communications. You consent to us, as well as any other owner or servicer of your account, contacting you through any channel of communication and for any purpose, as permitted by applicable law. For informational, servicing, fraud, or collection related communications, you agree that we may use the phone numbers that you provide to us to contact your cellular phone or wireless device with text messages, artificial or prerecorded voice calls, and calls made by an automatic telephone dialing system. Text frequency may vary and may be recurring. This consent applies even if you are charged for the call under your plan. You are responsible for any charges that may be billed to you by your communications carrier when we contact you. Message and data rates may vary. We and any carrier are not liable for delayed or undelivered messages. If you have questions, please call the number on the back of your card. Telephone Monitoring. For quality control, you allow us to listen to and/or record telephone calls between you and us. IMPORTANT INFORMATION ABOUT YOUR ACCOUNT Closing Your Account. You may close your account at any time by sending a letter to the address shown on your billing statement or calling customer service. We may close your account at any time, for any reason. If your account is closed, you must stop using it. You must still pay the full amount you owe and this Agreement will remain in effect until you do. Collection Costs. If we ask an attorney who is not our salaried employee to collect your account, we may charge you our collection costs. These include court costs and reasonable attorneys’ fees. Credit Bureau Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be shown in your credit report. Tell us if you think we reported wrong information about you to a credit bureau. Write to us at P.O. Box 71729, Philadelphia, PA 19176-1729 (Puerto Rico and U.S. Virgin Islands residents, write to PO Box 166013 Altamonte Springs, FL 32716-6013). Tell us what information is wrong and why you think it is wrong. If you have a copy of the credit report that includes the wrong information, send us a copy. Default. You are in default if you make a late payment, do not follow any other term of this Agreement or become bankrupt or insolvent. If you default or upon your death, we may (a) request payment of the full amount due right away, (b) take legal action to collect the amounts owed, and/or (c) take any other action allowed. Disputed Amounts. The billing rights summary in section IV of this Agreement describes what to do if you think there is a mistake on your bill. If you send us correspondence about a disputed amount or payment, you must send it to the address for billing inquiries. We do not give up any rights under this Agreement if we accept a payment marked “payment in full” or given with any other conditions or limitations. Unauthorized Use. If your card is lost, stolen or used without your consent, call us immediately at 1-800-542-0800 (Puerto Rico and U.S. Virgin Islands residents, call 1-800-981-8400). You will not be liable for unauthorized use on your account, but you will be responsible for all use by anyone you give your card to or allow to use your account. IMPORTANT INFORMATION ABOUT THIS AGREEMENT Assignment. We may sell, assign or transfer any or all of our rights or duties under this Agreement or your account, including our rights to payments. We do not have to give you prior notice of such action. You may not sell, assign or transfer any of your rights or duties under this Agreement or your account. Enforceability. If any part of this Agreement is found to be void or unenforceable, all other parts of this Agreement will still apply. Governing Law. Except as provided in the Resolving a Dispute with Arbitration section, this Agreement and your account are governed by federal law and, to the extent state law applies, the laws of Utah without regard to its conflicts of law principles. This Agreement has been accepted by us in Utah. Waiver. We may give up some of our rights under this Agreement. If we give up any of our rights in one situation, we do not give up the same right in another situation. RESOLVING A DISPUTE WITH ARBITRATION PLEASE READ THIS SECTION CAREFULLY. IF YOU DO NOT REJECT IT, THIS SECTION WILL APPLY TO YOUR ACCOUNT, AND MOST DISPUTES BETWEEN YOU AND US, AND/OR PENNEY OPCO, LLC, WILL BE SUBJECT TO INDIVIDUAL ARBITRATION AS SET FORTH BELOW. THIS MEANS THAT:(1) NEITHER A COURT NOR A JURY WILL RESOLVE ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION WILL BE AVAILABLE; AND (4) APPEAL RIGHTS WILL BE LIMITED. • What claims are subject to arbitration 1. If you, we, or Penney OpCo, LLC make a demand for arbitration, you, we and/or Penney OpCo, LLC must arbitrate any dispute or claim, including, but not limited to, statutory, common law, and equitable claims, between you or any other user of your account, and us, our affiliates, agents and/or Penney OpCo, LLC that relates to your account, including, but not limited to, any dispute or claim involving any purchase or credit made with or to, or otherwise involving your account, except as noted below. The parties intend for Penney OpCo, LLC to be a third-party beneficiary of this Arbitration section of this Agreement. 2. We will not require you to arbitrate: (1) any individual case in small claims court or your state’s equivalent court, so long as it remains an individual case in that court; or (2) a case we file to collect money you owe us. However, if you respond to the collection lawsuit by claiming any wrongdoing, we may require you to arbitrate. 3. Notwithstanding any other language in this section, only a court, not an arbitrator, will decide disputes about the validity, enforceability, coverage or scope of this section or any part thereof (including, without limitation, the next paragraph of this section and/or this sentence). However, any dispute or argument that concerns the validity or enforceability of the Agreement as a whole is for the arbitrator, not a court, to decide. • No Class Actions YOU AGREE NOT TO PARTICIPATE IN A CLASS, REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL ACTION AGAINST US AND/OR PENNEY OPCO, LLC, IN COURT OR ARBITRATION. ALSO, YOU MAY NOT BRING CLAIMS AGAINST US AND/OR PENNEY OPCO, LLC, ON BEHALF OF ANY ACCOUNTHOLDER WHO IS NOT AN ACCOUNTHOLDER ON YOUR ACCOUNT, AND YOU AGREE THAT ONLY ACCOUNTHOLDERS ON YOUR ACCOUNT MAY BE JOINED IN A SINGLE ARBITRATION WITH ANY CLAIM YOU HAVE. If a court determines that this paragraph is not fully enforceable, only this sentence will remain in force and the remainder will be null and void, and the court’s determination shall be subject to appeal. This paragraph does not apply to any lawsuit or administrative proceeding filed against us by a state or federal government agency even when such agency is seeking relief on behalf of a class of borrowers, including you. This means that we will not have the right to compel arbitration of any claim brought by such an agency. • How to start an arbitration, and the arbitration process 1. The party who wants to arbitrate must notify the other parties in writing. This notice can be given after the beginning of a lawsuit or in papers filed in the lawsuit. For arbitration demands against Synchrony Bank, your notice must be sent to Synchrony Bank, Legal Operation, P.O. Box 29110, Shawnee Mission, KS 66201-5320. ATTN: ARBITRATION DEMAND. For arbitration demands against Penney OpCo, LLC, your notice must be sent to Registered Agent/Legal Department, 6501 Legacy Drive, Plano, TX 75024. ATTN: ARBITRATION DEMAND. The party seeking arbitration must select an arbitration administrator, which can be either the American Arbitration Association (AAA), 120 Broadway, Floor 21, New York, NY 10271, www.adr.org, 1-800-778-7879, or JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com, 1-800-352-5267. If neither administrator is able or willing to handle the dispute, then the court will appoint an arbitrator. 2. If a party files a lawsuit in court asserting claim(s) that are subject to arbitration and another party files a motion with the court to compel arbitration, which is granted, it will be the responsibility of the party asserting the claim(s) to commence the arbitration proceeding. 3. The arbitration administrator will appoint the arbitrator and will tell the parties what to do next. The arbitrator must be a lawyer with at least ten years of legal experience. Once appointed, the arbitrator must apply the same law and legal principles, consistent with the FAA, that would apply in court, but may use different procedural rules. If the administrator’s rules conflict with this Agreement, this Agreement will control. 4. The arbitration will take place by phone or at a reasonably convenient location. If you ask us to, we will pay all the fees the administrator or arbitrator charges, as long as we believe you are acting in good faith. We will always pay arbitration costs, as well as your legal fees and costs, to the extent you prevail on claims you assert against us in an arbitration proceeding which you have commenced. • Governing Law for Arbitration This Arbitration section of your Agreement is governed by the Federal Arbitration Act (FAA). Utah law shall apply to the extent state law is relevant under the FAA. The arbitrator’s decision will be final and binding, except for any appeal right under the FAA. Any court with jurisdiction may enter judgment upon the arbitrator’s award. • How to reject this section You may reject this Arbitration section of your Agreement. If you do that, only a court may be used to resolve any dispute or claim. To reject this section, you must send us a notice within 60 days after you open your account or we first provided you with your right to reject this section. The notice must include your name, address and account number, and must be mailed to Synchrony Bank, P.O. Box 71734, Philadelphia, PA 19176-1734. This is the only way you can reject this section. SECTION IV: OTHER IMPORTANT INFORMATION JCPENNEY MASTERCARD® CREDIT CARD ACCOUNT AGREEMENT NOTICE FOR ACTIVE DUTY MILITARY MEMBERS AND THEIR DEPENDENTS: The following disclosures apply to you if, at the time your account is opened, you are a “covered borrower” as defined in the Military Lending Act, which includes eligible active duty members of the Armed Forces and their dependents: 1. The provision in this Agreement called “Resolving a Dispute with Arbitration” will not apply to your account. 2. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an Annual Percentage Rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). 3. You can call 1-855-367-4541 to hear the information in item 2 (above) and a description of the payment obligation for your account. The rest of the language in this section of the agreement includes state notices, billing rights summary and rewards terms (if applicable) and is not required to be provided as part of the request for customer agreement. SYNCHRONY BANK VARIABLE TERMS ADDENDUM Minimum Payment Calculation. Your total minimum payment will be calculated as follows: The greater of: 1. The sum of: (a) $30, or $41 (which includes any past due amounts) if you have failed to pay at least the total minimum payment due by the due date in any one or more of the prior six billing cycles; PLUS (b) Any credit insurance premiums charged in the current billing cycle, OR 2. The sum of: (a) The following amounts, rounded up to the next highest whole dollar: (i) Any past due amounts; PLUS (ii) 1% of your new balance shown on your billing statement (excluding any balance in connection with a special promotional purchase with a unique payment calculation; PLUS (iii) Any late payment fees charged in the current billing cycle; PLUS (iv) All interest charged in the current billing cycle; PLUS (b) Any credit insurance premiums charged in the current billing cycle; PLUS (c) Any payment due in connection with a special promotional purchase with a unique payment calculation; PLUS OR 3. The sum of: (a) Any unpaid interest; PLUS (b) Any credit insurance and other insurance premiums charged in the current billing cycle; PLUS (c) Any payment due in connection with a special promotional purchase with a unique payment calculation; PLUS (d) Any past due amounts. In any event, your total minimum payment will never be more than your new balance. Any total minimum payment due in connection with a special promotional purchase with a unique payment calculation will not be increased, but may be included in the $30 or $41 minimum amount otherwise due on your account.