IN THE DISTRICT COURT OF WOODS COUNTY
STATE OF OKLAHOMA
PORTFOLIO RECOVERY ASSOCIATES, LLC,
Plaintiff,
vs.
JESSY FERRELL
Defendant(s).
Case No. CS-2026-17
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 XXXXXXXXXXXXXXXXX6590.
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 9/30/23, the balance due at time of default is as follows $3,165.67. 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 $3,165.67.
7. The date of the last payment made by the Defendant(s) is July 26, 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), JESSY FERRELL in the amount of $3,165.67, 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 27, 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
Statement Summary
New Statement Balance $3,165.67
Minimum Payment Due $477.00
Payment Due Date 09/22/2023
Past Due Amount $445.00
Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $40.00.
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>8 Years</td>
<td>$3,166.00</td>
</tr>
</table>
For information about Credit Counseling Services, call 1-877-413-6322
Summary of Account Activity
Statement Closing Date 08/28/2023
Previous Balance $3,165.67
- Payments $0.00
- Other Credits $0.00
+ Purchases $0.00
+ Cash Advances $0.00
+ Other Debits $0.00
+ Fees Charged $0.00
+ Interest Charged $0.00
New Statement Balance $3,165.67
Credit Limit $3,000.00
Available Credit -$165.00
Cash Access Limit $900.00
Available for Cash $0.00
Transactions
<table>
<tr>
<th>Trans Date</th>
<th>Post Date</th>
<th>Reference</th>
<th>Description</th>
<th>Amount</th>
</tr>
<tr>
<td colspan="4"><b>Fees</b></td>
<td></td>
</tr>
<tr>
<td colspan="4"><b>TOTAL FEES FOR THIS PERIOD</b></td>
<td>$0.00</td>
</tr>
<tr>
<td colspan="4"><b>Interest Charged</b></td>
<td></td>
</tr>
<tr>
<td>08/28</td>
<td>08/28</td>
<td></td>
<td>Interest Charge on Purchases</td>
<td>$0.00</td>
</tr>
<tr>
<td>08/28</td>
<td>08/28</td>
<td></td>
<td>Interest Charge on Cash Advances</td>
<td>$0.00</td>
</tr>
<tr>
<td colspan="4"><b>TOTAL INTEREST FOR THIS PERIOD</b></td>
<td>$0.00</td>
</tr>
</table>
Pay online at ollocard.com -
It's the fastest way to pay
Please make checks payable to:
Ollo Card Services
New address, phone number or e-mail? Check the box to the left and print changes on back.
OLLO CARD SERVICES
P.O. BOX 660371
DALLAS TX 75266-0371
JESSY FERRELL
1114 LOCUST ST
ALVA OK 73717-2518
Important Information about this Account
Payments
Online Payments: You may pay online at ollocard.com. Payments made online will be credited as of the date of receipt if made by 11:59 p.m. Eastern Time.
Payments by Mail: We credit mailed payments as of the date received, if the payment is: (1) received by 5 p.m. local time at the address shown on the remittance slip on the front of your statement; (2) paid with a check drawn in U.S. dollars on a U.S. financial institution or a U.S. dollar money order; and (3) sent in the return envelope with only the remittance portion of your statement accompanying it. Payments received by mail after 5 p.m. local time at the remittance address on any day including the Payment Due Date, but that otherwise meet the above requirements, will be credited as of the next day. Credit for any other payments may be delayed up to 5 days. Please allow 7 to 10 days for your mailed payment check to reach us by mail. We process most payment checks electronically by using the information found on your check. Each check authorizes us to create a one-time electronic funds transfer (or process it as a check or paper draft). Funds may be withdrawn from your account as soon as the same day we receive your payment. Checks are not returned to you.
Payments by Phone: You may call us to pay by phone at 1-877-494-0020. Payments made by phone will be credited as of the date of receipt if made by 11:59 p.m. Eastern Time. Note: When using the optional pay-by-phone service, you authorize us to initiate an electronic payment from your account at the financial institution you designate. You must authorize the amount and timing of each payment. To cancel, call us before the scheduled payment due date.
How we Calculate your Interest Charges
Average Daily Balance Method (including new transactions): We figure the interest charge on your account by applying the “daily periodic rate” (DPR) to the “average daily balance”. The daily periodic rate is calculated by dividing the APR by 365. The average daily balance for Purchases, Balance Transfers and Cash Advance categories are calculated separately. To get the average daily balance we take the beginning balance of your Account each day, add to its respective category any new Purchases, Cash Advances, Balance Transfers, and/or applicable fees, and subtract payments and/or credits. This gives us the daily balance for each day, except that if the daily balance is negative, we treat it as zero. We then add up all of the daily balances for each category and divide by the number of days in the billing cycle. This gives us the average daily balance for each balance category. The interest charged for each balance category equals the average daily balance for that balance category times the applicable DPR times the number of days in the billing cycle. The result is then added together to determine the total interest charge for the billing cycle. To the extent interest comprises any part of your Average Daily Balance, compounding of interest will occur.
When Interest Begins to Accrue on Purchases, Balance Transfers and Cash Advances: Interest on Purchases, Cash Advances and Balance Transfers accrues from the date of the transaction. If a transaction occurs in one billing cycle but is not posted to your Account until the next billing cycle, the transaction is added or subtracted on the first day of the billing cycle in which the transaction is posted to your Account. You will not have to pay interest on Purchases if you pay your New Statement Balance in full by the Payment Due Date shown on your statement, which shall not be less than 25 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging interest on the unpaid portion of your balance. Unless otherwise disclosed in a promotional offer, there is no period in which credit extended may be paid without incurring interest on Cash Advances or Balance Transfers.
How we Allocate your Payments
Subject to any restrictions of applicable law, we will apply your payments to the balances on your Account in whatever manner we determine. Generally, if your Account has balances (including new transactions) with different APRs, we will allocate the amount of your payment equal to the Minimum Payment Due to the lowest APR balances first. Payment amounts that exceed the Minimum Payment Due will be allocated to balances with higher APRs before balances with lower APRs.
Available Credit
Your Available Credit may be reduced by the amount of transactions authorized but not yet posted to your account. Payments posted to your account may not immediately result in credit availability.
Lost or Stolen Card
If your credit card is lost or stolen, please contact us immediately at 1-877-494-0020.
What to Do if You Find a Mistake on Your Statement
If you think there is an error on your statement, write to us at: Ollo Card Services P.O. Box 9222, Old Bethpage, NY 11804
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 or electronically. 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 any amount in question, or report you as delinquent on that amount. But, if we determine that we made a mistake, you will not have to pay us the amount in question or any interest or other fees related to that amount.
• The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
• While we 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:
1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:
Ollo Card Services
P.O. Box 9222, Old Bethpage, NY 11804
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.
Please refer to your Cardmember Agreement for complete Account terms and conditions.
© 2020 Ollo Card Services. 01AB1104 - 4 - 09/29/20
Contact Ollo
1. Visit our website: ollocard.com
2. Call us: 1-877-494-0020
3. Mail a payment: P.O. Box 660371 Dallas, TX 75266
4. Write to us: P.O. Box 9222 Old Bethpage, NY 11804
Change of Information:
Name:
Address:
Street
City State ZIP
Phone Number:
Email:
<table>
<tr>
<th colspan="4">Transactions (continued)</th>
<th>Amount</th>
</tr>
<tr>
<th>Trans Date</th>
<th>Post Date</th>
<th>Reference</th>
<th>Description</th>
<th></th>
</tr>
<tr>
<td colspan="5">YOUR ACCOUNT IS AT RISK OF CHARGING OFF.<br>PLEASE CALL US IMMEDIATELY.</td>
</tr>
<tr>
<td colspan="4"><b>2023 Totals Year-to-Date</b></td>
<td></td>
</tr>
<tr>
<td colspan="2"></td>
<td>Total fees charged in 2023</td>
<td></td>
<td>$160.00</td>
</tr>
<tr>
<td colspan="2"></td>
<td>Total interest charged in 2023</td>
<td></td>
<td>$336.10</td>
</tr>
</table>
<table>
<tr>
<th rowspan="2">Type of Balance</th>
<th>APR</th>
<th>Promotional Rate End Date</th>
<th>Balance Subject To Interest Rate</th>
<th>Interest Charge</th>
</tr>
<tr>
<td>PURCHASES</td>
<td>32.24% (V)</td>
<td></td>
<td>$0.00</td>
<td>$0.00</td>
</tr>
<tr>
<td>CASH ADVANCES</td>
<td>32.24% (V)</td>
<td></td>
<td>$0.00</td>
<td>$0.00</td>
</tr>
</table>
Days in Billing Cycle: 31
(V) = Variable Rate
See reverse side of page one for explanation of Interest Charge calculation.
EXHIBIT 2
BILL OF SALE
Closing Date: October 30, 2023
FOR VALUE RECEIVED and subject to the terms and conditions of that certain Forward Flow Purchase Agreement, dated June 30, 2023, Ally Bank ("Seller"), located at 200 W. Civic Center Drive, Sandy, Utah, 84070 does hereby sell, assign, transfer, deliver and convey to Portfolio Recovery Associates, LLC ("Purchaser"), and its successors and assigns all rights, title and interests in and to those certain Purchased Accounts described in Exhibit A -1 attached hereto and made a part hereof for all purposes.
IN WITNESS WHEREOF, the parties hereto have duly executed this Bill of Sale on the 5th day of December 2023.
EXECUTED this 5th day of ________December______, 2023.
SELLER:
ALLY BANK
By: ________________________________
Print
Name: Gregory Permarn
Title: Senior Director
PURCHASER:
PORTFOLIO RECOVERY ASSOCIATES, LLC
By: Leigh Bates
Print
Name: Leigh Bates
Print
Title: Authorized Signer
EXHIBIT A-1
TO
BILL OF SALE
The Purchased Accounts are the Charged-Off Accounts that are included in the electronic file named Ally Credit Card Debt Sale File 202310.xlsx
These Purchased Accounts were sold, assigned, transferred, delivered, and conveyed from Ally Bank to Portfolio Recovery Associates, LLC as described in the specific Bill of Sale dated 12/05/2023.
<table>
<tr>
<th>ACCOUNTNUMBERCO</th>
<td>************6590</td>
</tr>
<tr>
<th>ACCTNUMBERHISTORY</th>
<td></td>
</tr>
<tr>
<th>OLDACCTNUMBER1</th>
<td></td>
</tr>
<tr>
<th>OLDACCTNUMBER2</th>
<td></td>
</tr>
<tr>
<th>OLDACCTNUMBER3</th>
<td></td>
</tr>
<tr>
<th>OLDACCTNUMBER4</th>
<td></td>
</tr>
<tr>
<th>OLDACCTNUMBER5</th>
<td></td>
</tr>
<tr>
<th>OLDACCTNUMBER6</th>
<td></td>
</tr>
<tr>
<th>OLDACCTNUMBER7</th>
<td></td>
</tr>
<tr>
<th>OLDACCTNUMBER8</th>
<td></td>
</tr>
<tr>
<th>OLDACCTNUMBER9</th>
<td></td>
</tr>
<tr>
<th>OLDACCTNUMBER10</th>
<td></td>
</tr>
<tr>
<th>FSF ACCOUNT ID</th>
<td>************1687</td>
</tr>
<tr>
<th>FIRSTNAME</th>
<td>JESSY</td>
</tr>
<tr>
<th>LASTNAME</th>
<td>FERRELL</td>
</tr>
<tr>
<th>SSN</th>
<td>********************</td>
</tr>
<tr>
<th>DOB</th>
<td>**/**/1989</td>
</tr>
<tr>
<th>ADDRESSLINE</th>
<td>1114 LOCUST ST</td>
</tr>
<tr>
<th>CITY</th>
<td>ALVA</td>
</tr>
<tr>
<th>STATE</th>
<td>OK</td>
</tr>
<tr>
<th>ZIPCODE</th>
<td>73717</td>
</tr>
<tr>
<th>HOME PHONE</th>
<td></td>
</tr>
<tr>
<th>WORK PHONE</th>
<td></td>
</tr>
<tr>
<th>MOBILE PHONE</th>
<td>********************</td>
</tr>
<tr>
<th>HOME_PHONE_VALID_FLAG</th>
<td>0</td>
</tr>
<tr>
<th>WORK_PHONE_VALID_FLAG</th>
<td>0</td>
</tr>
<tr>
<th>MOBILE_PHONE_VALID_FLAG</th>
<td>1</td>
</tr>
<tr>
<th>EMAILADDRESS</th>
<td>********************</td>
</tr>
<tr>
<th>OPENDT</th>
<td>2022-03-26</td>
</tr>
<tr>
<th>CHGOFFDATE</th>
<td>2023-09-30</td>
</tr>
<tr>
<th>DATELASTTRANSACTION</th>
<td>2022-12-28</td>
</tr>
<tr>
<th>AMOUNTLASTTRANSACTION</th>
<td>3.24</td>
</tr>
<tr>
<th>AMOUNTLASTSALE</th>
<td>3.24</td>
</tr>
<tr>
<th>AMOUNTLASTCASH</th>
<td>0.00</td>
</tr>
<tr>
<th>DATELASTSALE</th>
<td>2022-12-28</td>
</tr>
<tr>
<th>DATELASTCASH</th>
<td>1901-01-01</td>
</tr>
<tr>
<th>LAST_GOOD_PAYMENT_AMOUNT</th>
<td>100.00</td>
</tr>
<tr>
<th>LAST_GOOD_PAYMENT_DATE</th>
<td>2023-07-26</td>
</tr>
<tr>
<th>CURRENBTBALANCE</th>
<td>3165.67</td>
</tr>
<tr>
<th>CHARGEOFFBALANCE</th>
<td>3165.67</td>
</tr>
<tr>
<th>PRINCIPALBALANCECO</th>
<td>2989.60</td>
</tr>
</table>
Sale File: ALLY CREDIT CARD DEBT SALE FILE 202310.XLSX
<table>
<tr>
<th>INTERESTBALANCECO</th>
<td>16.07</td>
</tr>
<tr>
<th>FEEBALANCECO</th>
<td>160.00</td>
</tr>
<tr>
<th>POSTCOINTEREST</th>
<td>0.00</td>
</tr>
<tr>
<th>POSTCOFEES</th>
<td>0.00</td>
</tr>
<tr>
<th>POSTCOPAYMENTS</th>
<td>0.00</td>
</tr>
<tr>
<th>POSTCOCREDITS</th>
<td>0.00</td>
</tr>
<tr>
<th>MERCHAPR</th>
<td>32.240</td>
</tr>
<tr>
<th>CASHAPR</th>
<td>32.240</td>
</tr>
<tr>
<th>DATEOFFFIRSTDELQ</th>
<td>2023-02-21</td>
</tr>
<tr>
<th>FSF_PREV_STMT_BAL_AMT</th>
<td>3165.67</td>
</tr>
<tr>
<th>PRODUCT_NM</th>
<td>OLLO Platinum</td>
</tr>
<tr>
<th>ORIGINALCREDITOR</th>
<td>The Bank of Missouri</td>
</tr>
<tr>
<th>ATTORNEY NAME</th>
<td></td>
</tr>
<tr>
<th>ATTORNEY NUMBER</th>
<td></td>
</tr>
<tr>
<th>ATTORNEY ADDRESS LINE 1</th>
<td></td>
</tr>
<tr>
<th>ATTORNEY ADDRESS LINE 2</th>
<td></td>
</tr>
<tr>
<th>ATTORNEY CITY</th>
<td></td>
</tr>
<tr>
<th>ATTORNEY STATE</th>
<td></td>
</tr>
<tr>
<th>ATTORNEY ZIP</th>
<td></td>
</tr>
<tr>
<th>SALEID</th>
<td>FSF_PRA_202310</td>
</tr>
<tr>
<th>CREDITLINE</th>
<td>3000.00</td>
</tr>
<tr>
<th>APPLICATIONDATETIME</th>
<td>20220326:085931</td>
</tr>
<tr>
<th>APPLICATIONIPADDRESS</th>
<td>107.219.26.227</td>
</tr>
<tr>
<th>APPLICATIONMARKETINGCHANNEL</th>
<td>Digital</td>
</tr>
<tr>
<th>ENTITY</th>
<td>FSF</td>
</tr>
<tr>
<th>SEGMENT</th>
<td>BAU</td>
</tr>
</table>
EXHIBIT 3
**PENSING USING YOUR ACCOUNT**
YOU MAY SET UP AN ACCOUNT USING OUR WEBSITE OR BY PHONE. YOU CAN ALSO OPEN A NEW ACCOUNT IN PERSON AT ANY ALTY LOCATION OR THROUGH AN AUTHORIZED AGENT. YOU MUST PROVIDE MECHANICALLY PROTECTED IDENTIFICATION AND YOUR SOCIAL SECURITY NUMBER. IF YOU ARE LESS THAN 21 YEARS OLD, YOU MUST ALSO PROVIDE PROOF OF RESIDENCE.
YOUR ACCOUNT WILL BE OPENED ON THE DAY AFTER THE APPLICATION IS RECEIVED. YOUR CARD WILL BE SENT TO THE ADDRESS YOU PROVIDE ON THE APPLICATION. OUR BANKING SYSTEM WILL AUTOMATICALLY DEBIT YOUR CHECKING ACCOUNT FOR ANY PURCHASES YOU MAKE WITH THIS CARD. IF YOU DO NOT WANT TO HAVE THIS AUTOMATICLY DEBITTED, YOU MUST CONTACT US IMMEDIATELY.
YOU CAN USE THIS CARD TO PURCHASE PRODUCTS AND SERVICES FROM ALTY MEMBERS AND ALTY PARTNERS HIPPODROME IN SONOMA COUNTY, CALIFORNIA. YOU CAN ALSO USE THIS CARD TO PURCHASE PRODUCTS AND SERVICES FROM ALTY PARTNERS IN OTHER LOCATIONS.
**NOTICES OR QUESTIONS**
YOU CAN CONTACT US OR OUR AGENTS AT ANY TIME TO DISCUSS QUESTIONS OR CONCERNS ABOUT YOUR ACCOUNT OR THIS AGREEMENT.
IF YOU HAVE ANY QUESTIONS OR CONCERNS ABOUT YOUR ACCOUNT, YOU SHOULD CONTACT US IMMEDIATELY.
**FOUR EXCELLENT REASONS TO OPEN A CARD ACCOUNT**
1. YOU WILL RECEIVE A CARD ACCOUNT THAT CAN BE USED TO PURCHASE PRODUCTS AND SERVICES FROM ALTY MEMBERS AND ALTY PARTNERS HIPPODROME IN SONOMA COUNTY, CALIFORNIA.
2. YOU WILL RECEIVE A CARD ACCOUNT THAT CAN BE USED TO PURCHASE PRODUCTS AND SERVICES FROM ALTY PARTNERS IN OTHER LOCATIONS.
3. YOU WILL RECEIVE A CARD ACCOUNT THAT CAN BE USED TO PURCHASE PRODUCTS AND SERVICES FROM ALTY MEMBERS AND ALTY PARTNERS HIPPODROME IN SONOMA COUNTY, CALIFORNIA.
4. YOU WILL RECEIVE A CARD ACCOUNT THAT CAN BE USED TO PURCHASE PRODUCTS AND SERVICES FROM ALTY PARTNERS IN OTHER LOCATIONS.
**TERMS OF CARD AGREEMENT**
BY OPENING AN ACCOUNT OR MAKING A PURCHASE WITH THIS CARD, YOU AGREE TO THE TERMS OF THIS AGREEMENT.
THIS AGREEMENT IS A LEGAL CONTRACT BETWEEN YOU AND US. PLEASE READ IT CAREFULLY BEFORE SIGNING IT. IF YOU DON'T UNDERSTAND SOMETHING, CONTACT US IMMEDIATELY.
THIS AGREEMENT APPLIES TO ALL PURCHASES MADE WITH THIS CARD. THIS AGREEMENT ALSO APPLIES TO ALL PURCHASES MADE WITH OTHER ALTY PRODUCTS AND SERVICES.
THIS AGREEMENT DOES NOT APPLY TO TRANSACTIONS MADE WITH OTHER ALTY PRODUCTS AND SERVICES.
GUARANTEES
WE GUARANTEE THAT YOU WILL BE SATISFIED WITH OUR SERVICE AND PRODUCTS. IF YOU ARE NOT SATISFIED, CONTACT US IMMEDIATELY.
**NO MINIMUM BALANCE REQUIREMENTS FOR LOANS**
YOU DO NOT NEED TO HAVE ANY MONEY IN YOUR ACCOUNT TO QUALIFY FOR A LOAN. HOWEVER, YOU MUST HAVE AT LEAST $500 IN YOUR ACCOUNT TO QUALIFY FOR A LOAN.
**BILLING RIGHTS**
YOU HAVE THE RIGHT TO KNOW HOW TO CONTACT US IF YOU BELIEVE THERE WAS AN ERROR ON YOUR BILL. YOU ALSO HAVE THE RIGHT TO REQUEST A COPY OF YOUR BILLING HISTORY.
YOU HAVE THE RIGHT TO REQUEST A COPY OF YOUR BILLING HISTORY.
**NOTICE OF EFFECTIVE DATE OF CHANGES**
WHEN WE MAKE A CHANGE TO THIS AGREEMENT, WE WILL POST NOTICE OF THE CHANGE ON OUR WEBSITE AND IN OUR BRANCHES. WE WILL ALSO SEND YOU A COPY OF THE CHANGE BY MAIL IF YOU REQUEST ONE.
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