Portfolio Recovery Associates, LLC v. Michael Dixon

IN THE DISTRICT COURT OF TULSA COUNTY STATE OF OKLAHOMA PORTFOLIO RECOVERY ASSOCIATES, LLC, Plaintiff, vs. MICHAEL DIXON Defendant(s). Case No. CS-2026-01465 MELISSA EAST 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 XXXX2845. 4. Plaintiff’s claim arises from the Defendant(s) obligation to repay, in full, a lawfully executed Promissory Note. The account charged off for non-payment on 10/30/21, the balance due at time of default is as follows $9,669.37. A true and accurate copy of the Promissory Note is attached hereto as Exhibit 1. A true and accurate copy of the ledger or statement of account demonstrating the balance due on the Promissory Note is attached hereto as Exhibit 2. A true and accurate copy of the Assignment of Account to Plaintiff evidencing its ownership of the Promissory Note is attached hereto as Exhibit 3. 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 $9,669.37. 7. The date of the last payment made by the Defendant(s) is March 25, 2021. 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), MICHAEL DIXON in the amount of $9,669.37, plus all costs herein expended, including but not limited to, court costs, sheriff’s fees, and special process server fees, attorney fees; and for such other and further relief as the Court may deem proper in the premises. Dated this January 27, 2026 Nelson & Kennard, LLP By: [signature] Ashton Dewayne Sears, OBA # 35737 12596 W. Bayaud Ave., Ste. 120 Lakewood, CO 80228 Phone: 866-920-2295 [email protected] Attorney for the Plaintiff EXHIBIT 1 LOAN AGREEMENT AND DISCLOSURE STATEMENT DATE 11/24/20 ACCOUNT NUMBER 2845 TYPE OF LOAN (Alpha) F11 FINANCE CHARGE BEGINS TO ACCRUE 11/24/20 LENDER/SECURED PARTY NAME AND ADDRESS ("Lender") ONEMAIN FINANCIAL GROUP, LLC COUNTRY CLUB PLAZA 3602 E 51ST ST STE 10 TULSA, OK 74135-3517 918-744-5320 BORROWER(S) NAME AND ADDRESS ("I", "We") MICHAEL DIXON PO BOX 580213 TULSA, OK 74158-0213 I have carefully read this entire Loan Agreement And Disclosure Statement and all related documents which include the Optional Products Disclosure Summary, Truth In Lending Insurance Disclosure and, if applicable, Personal Property Appraisal Form and GAP Waiver Addendum, all of which collectively constitute the “Agreement.” This Loan Agreement and Disclosure Statement is divided into four sections: A. Truth In Lending Disclosures; B. Loan Terms And Conditions; C. Arbitration Agreement And Waiver Of Jury Trial and D. Entire Agreement/Notices/Signature. If I had any questions, I asked them before I signed these documents. By signing, I indicate my agreement to the statements, promises, terms, and conditions contained in the Agreement. A. TRUTH IN LENDING DISCLOSURES <table> <tr> <th>ANNUAL PERCENTAGE RATE</th> <th>FINANCE CHARGE</th> <th>AMOUNT FINANCED</th> <th>TOTAL OF PAYMENTS</th> </tr> <tr> <td>The cost of my credit as a yearly rate.<br>24.54 %</td> <td>The dollar amount the credit will cost me.<br>$ 7460.07</td> <td>The amount of credit provided to me or on my behalf.<br>$ 10014.93</td> <td>The amount I will have paid after I have made all payments as scheduled.<br>$ 17475.00</td> </tr> </table> My Payment Schedule will be: <table> <tr> <th>Number of Payments</th> <th>Amount of Payments</th> <th>When Payments Are Due</th> </tr> <tr> <td>60</td> <td>$ 291.25</td> <td>monthly beginning 12/24/20</td> </tr> </table> LATE CHARGE: [X] If any payment is not paid in full within 10 days after its due date, I will be charged 5.00% of the unpaid amount of the payment, but not more than $N/A or less than $ .26.50. [ ] If any payment is not paid in full within ____ days after its due date, I will be charged $______ if the entire scheduled payment exceeds $______ or $______ if the entire scheduled payment is $______ or less. PREPAYMENT: If I pay off early: ☐ I may ☒ I will not have to pay a penalty for prepaying all or part of a loan’s principal balance. I may ☐ I may ☒ I will not get a refund or credit of part of the finance charge for a prepayment in full. I will not receive a refund or credit for a partial prepayment. SECURITY: I am giving Lender a security interest in: ☒ Unsecured ☐ Motor Vehicles [ ] Other Collateral [ ] Vehicle Identification No. See the remainder of this Agreement for any additional information about nonpayment, default, any required repayment in full before the scheduled date, and prepayment refunds and penalties, if any. ITEMIZATION OF AMOUNT FINANCED <table> <tr> <th>Amounts paid to others on my behalf</th> <th>Paid To</th> </tr> <tr> <td>1. $NONE</td> <td>Paid To</td> </tr> <tr> <td>2. $NONE</td> <td>Paid To</td> </tr> <tr> <td>3. $NONE</td> <td>Paid To</td> </tr> <tr> <td>4. $NONE</td> <td>Paid To</td> </tr> <tr> <td>5. $NONE</td> <td>Paid To</td> </tr> <tr> <td>6. $NONE</td> <td>Paid To</td> </tr> <tr> <td>7. $NONE</td> <td>Paid To</td> </tr> <tr> <td>8. $NONE</td> <td>Paid To</td> </tr> <tr> <td>9. $NONE</td> <td>Paid To</td> </tr> <tr> <td>10. $NONE</td> <td>Paid To</td> </tr> <tr> <td>11. $ NONE</td> <td>Paid To</td> </tr> <tr> <td>12. $ NONE</td> <td>Paid To</td> </tr> <tr> <td>13. $ NONE</td> <td>Paid To</td> </tr> <tr> <td>14. $ NONE</td> <td>Paid To</td> </tr> <tr> <td>15. $ NONE</td> <td>Paid To</td> </tr> <tr> <td>16. $ NONE</td> <td>Paid To</td> </tr> <tr> <td>17. $ NONE</td> <td>Paid To</td> </tr> <tr> <td>18. $ NONE</td> <td>Paid To</td> </tr> <tr> <td>19. $ NONE</td> <td>Paid To</td> </tr> <tr> <td>20. $ NONE</td> <td>Paid To</td> </tr> <tr> <td>21. $ 9914.93 Amount Paid on Prior Account with Lender</td> <td></td> </tr> <tr> <td>22. $ 100.00 Paid To MICHAEL DIXON</td> <td></td> </tr> <tr> <td>23. $ NONE Paid To</td> <td></td> </tr> <tr> <td>24. $ NONE Paid To</td> <td></td> </tr> <tr> <td>25. $ NONE Paid To</td> <td></td> </tr> <tr> <td>26. $ NONE Paid To</td> <td></td> </tr> <tr> <td>27. $ NONE Paid To</td> <td></td> </tr> <tr> <td>$ 10014.93 Amount Financed (Sum of lines 1 - 27)</td> <td></td> </tr> <tr> <td>$ 15.00 Prepaid Finance Charges (itemized below)</td> <td></td> </tr> </table> PREPAID FINANCE CHARGES <table> <tr> <th>1.</th> <td>$ 15.00 Credit Investigation Fee</td> <td>Paid To LENDER</td> </tr> <tr> <th>2.</th> <td>$NONE</td> <td>Paid To</td> </tr> <tr> <th>3.</th> <td>$NONE</td> <td>Paid To</td> </tr> <tr> <th>4.</th> <td>$NONE</td> <td>Paid To</td> </tr> <tr> <th>5.</th> <td>$NONE</td> <td>Paid To</td> </tr> <tr> <th>6.</th> <td>$NONE</td> <td>Paid To</td> </tr> <tr> <th>7.</th> <td>$NONE</td> <td>Paid To</td> </tr> <tr> <th>8.</th> <td>$NONE</td> <td>Paid To</td> </tr> </table> THIS AGREEMENT IS SUBJECT TO THE FEDERAL ARBITRATION ACT. By signing below, I acknowledge receipt of a copy of this Federal Disclosure Statement. SEE ADDITIONAL PAGES FOR IMPORTANT INFORMATION B. LOAN TERMS AND CONDITIONS DATE OF LOAN: 11/24/20 (the date the Finance Charge is scheduled to begin to accrue) CONTRACT RATE: ________24.47% per year, which is the agreed interest rate. PROMISE TO PAY. For value received, I promise to pay to the order of the Lender all amounts due under this Agreement in accordance with the Payment Schedule set forth in the TRUTH IN LENDING DISCLOSURES, and with all other terms of this Agreement, at Lender's address set forth in this Agreement, unless otherwise notified, until paid in full. SECURITY INTEREST. To secure all amounts due or which become due under this Agreement and my performance of all other terms of this Agreement, I hereby grant Lender a security interest under the Uniform Commercial Code or other applicable law in: (a) the property identified in the "Security" disclosure of the TRUTH IN LENDING DISCLOSURES, including a purchase money security interest if property is being purchased with the proceeds hereof; (b) any substitutions or replacements of that property; and (c) the proceeds and products of that property ((a), (b), and (c) collectively referred to as the "Collateral"). I also hereby grant Lender a security interest in any unearned premiums from any credit insurance I have elected and purchased through Lender in connection with this transaction and any Required Insurance which protects the Collateral. Lender's security interest shall remain in effect, and subject to any modifications, renewals, extensions, and future advances thereof, until I have paid in full all amounts due under this Agreement. Notwithstanding any other provision of this Agreement, Lender is not granted, and will not have, a non-purchase money security interest in household goods, to the extent such a security interest would be prohibited by applicable law. I authorize Lender to sign and file financing statements covering the Collateral without my signature. I authorize Lender to file a copy of this Agreement as a financing statement when appropriate. Unless prohibited by law I agree to pay the recording costs of your filing a continuation statement and for releasing the security interest upon my payment in full. JOINT BORROWERS. If more than one Borrower is named above, all Borrowers agree that we are jointly and severally liable and that Lender may enforce this Agreement against all or any of us, but not in a combined amount exceeding the amount due. Each of us under this Agreement, if more than one, agrees that Lender may obtain approval from one Borrower to change the repayment terms and release any Collateral securing the loan, or add parties to or release parties from this agreement, without notice to any other Borrower and without releasing any other Borrower from his responsibilities. Except as otherwise required by law, Lender does not have to notify Borrower before instituting suit against another Borrower if the note is not paid, and Lender can sue any or all Borrowers upon the default by any Borrower. CO-MAKERS (also referred to as CO-SIGNER(S)). If I am signing this Agreement as a Co-Maker, I understand that I am equally responsible with the Borrower(s). I agree that Lender may pursue me or any Co-Maker if this Agreement is in default. Unless required by law, Lender will not notify me if: (a) this loan is in default; (b) Lender agrees to accept different payment terms; (c) Lender releases any security interest; or (d) Lender releases any Borrower(s) or Co-Maker(s). AUTHORIZATION TO USE CREDIT REPORT. By signing this Agreement, I authorize Lender to obtain, review and use information contained in my credit report in order to determine whether I may qualify for other products and services marketed by Lender. This authorization terminates when my outstanding balance due under this Agreement is paid in full. I may cancel such authorization at any time by writing the following: OneMain, P.O. Box 70911, Charlotte, NC 28272-0911. In order to process my request, Lender must be provided my full name, address, and account number. VOLUNTARY CREDIT INSURANCE. As used in this Agreement, the term "credit insurance" includes credit life insurance, credit disability insurance, credit involuntary unemployment insurance, and credit property insurance. An affiliate of the Lender may provide the credit insurance that I voluntarily select. I acknowledge that Lender and/or its affiliates may profit from my purchase of voluntary credit insurance. REQUIRED INSURANCE. I am required to maintain insurance in types, amounts, terms and deductible levels acceptable to Lender ("Required Insurance"). The Required Insurance must keep the Collateral insured against hazards for which Lender requires insurance. Such coverage includes, but is not limited to, loss by theft, vandalism, collision, fire, and any other risks of loss that would either impair Lender's interest in the Collateral or adversely affect the value of the Collateral. I have the option of providing the Required Insurance through an existing policy of insurance owned or controlled by me, or through a policy obtained and paid for by me. I may purchase this Required Insurance through any insurer, insurance agent, or broker of my choice that is acceptable to Lender. Lender may not decline to accept any insurance provided by me unless it is for reasonable cause. Examples of reasonable cause include, but are not limited to, the financial condition of the insurer and the amount or type of coverage chosen. My choice of insurer will not otherwise affect Lender's credit decision or my credit terms. The types, amounts, and deductible levels that Lender requires under this Agreement may change during the term of the Agreement. Required Insurance must: (a) include a lender's loss payable provision; (b) name Lender, its successors and/or assigns, as loss payee; (c) provide that such insurance will not be canceled or modified without at least fifteen (15) days prior written notice to the loss payee; and (d) not include any disclaimer of the insurer's liability for failure to give such notice. I shall promptly give to Lender satisfactory proof (in Lender's reasonable estimation) of all Required Insurance and all receipts of paid premiums and renewal notices. I agree to keep my Required Insurance in force until all amounts that I owe Lender under this Agreement or the security instrument are paid in full, my account is terminated, and Lender releases or discharges its security interest. In case of damage to or loss of the Collateral, I agree to give prompt notice to Lender and the insurance carrier. If I fail to promptly notify or make proof of loss to the insurance carrier, Lender may (but is not required to) do so on my behalf. If I do not keep Required Insurance under this Agreement in force at all times Lender may, but is not required to, in Lender's sole discretion, and at my expense, obtain insurance coverage to protect Lender's interest in the Collateral. I understand and agree that: A. Lender is under no obligation to obtain any particular type or amount of coverage. B. Lender-obtained insurance may, but need not, protect my interests. C. Lender-obtained insurance may, but need not, pay any claim I make. D. the cost of Lender-obtained insurance may be much more than the cost of insurance I could have obtained on my own. E. any amounts disbursed by Lender under this Section to obtain insurance shall become additional debt of mine under this Agreement, secured by this Agreement or the Security Instrument. This additional debt will bear interest at the Contract Rate from the date of placement and will be payable, with such interest, upon notice from Lender to me requesting payment. F. I am hereby authorizing Lender to release to, or obtain from, third parties any information necessary to monitor the status of Required Insurance. G. Lender-obtained insurance may be purchased from an affiliate of Lender. H. Lender, or its affiliate, may earn a profit by obtaining this insurance, to the extent permitted by applicable law. I. Lender may, at any time and at its sole option, cancel Lender-obtained insurance. J. Lender has a security interest in any unearned premiums from such insurance; 1. I am hereby absolutely assigning to Lender any rights I may have to unearned Lender-obtained insurance premiums; and 2. I am hereby authorizing and appointing Lender to be my attorney-in-fact for the purpose of cancelling the Lender-obtained insurance and applying the unearned premiums to reduce the account balance upon cancellation of said insurance. ASSIGNMENT OF UNEARNED INSURANCE PREMIUMS AND POLICY PROCEEDS. Where allowed by law, I hereby absolutely assign to Lender my rights to any Required Insurance proceeds, and any unearned Required Insurance or credit insurance premium refunds, and any other rights under policies covering the Collateral up to, but not in excess of the Total Balance due under this Agreement or security instrument. I agree that Lender may use any insurance proceeds, and any unearned Required Insurance or credit insurance premium refunds, to reduce the amounts that I owe under this Agreement or the security instrument, whether or not they are due. I authorize Lender to adjust my losses and sign my name to any check, draft, or other papers necessary to obtain such insurance payments. If insurance proceeds or unearned premium refunds paid to Lender do not satisfy all amounts that I owe Lender under this Agreement or the security instrument, I remain responsible for payment of the balance of any amounts due under this Agreement and the security instrument. CORRECTION; RELEASE. During the term of this Agreement, I agree to cooperate with Lender to: (a) correct any clerical errors that were made in connection with loan documents; (b) obtain the correct amounts due to others; and (c) release, or cause to be released, all liens upon payment in full. SEE ADDITIONAL PAGES FOR IMPORTANT INFORMATION CANCELLATION. Prior to the distribution of loan proceeds, Lender may withdraw its approval of or commitment to make this loan if Lender reasonably believes that: (a) there are material omissions or misrepresentations in connection with my credit application; (b) there is a material, adverse change in my creditworthiness; (c) there are additional liens on the right, title, or interest of any Collateral to be used for this loan; or (d) a sale or transfer of any right, title or interest in any Collateral to be used for this loan has or will occur that is not agreed to by Lender. SEVERABILITY. Other than the class action waiver described in subsection G of section C. ARBITRATION AGREEMENT AND WAIVER OF JURY TRIAL, the fact that any provision of this Agreement may prove invalid or unenforceable under any law, rule, or regulation of any federal, state, or local court or governmental entity shall not affect the validity or enforceability of the remaining provisions of this Agreement. NO ASSUMPTION. This Agreement shall not be eligible for assumption by any third party without the express written consent of Lender. DEFAULT. Except as prohibited by law or as limited by other provisions of this Agreement, Lender may consider you to be in default of this Agreement if any one or more of the following occurs: A. I fail to make any payment, including, but not limited to the Total Amount Due, under this Agreement within 30 days of the payment due date. B. I fail to do anything else I have agreed to do in this Agreement. C. Any statement or representation I made in my credit application is untrue or incorrect. D. I fail to provide Lender with proof of residence or Required Insurance within ten (10) business days after Lender's written request for this information. E. I die, become incompetent, generally fail to pay my debts as they become due, or become the subject of a voluntary or involuntary bankruptcy proceeding. F. Any judgment, levy, attachment, writ of garnishment, or other similar order is entered against me or the Collateral. G. Any police or governmental agency seizes or impounds the Collateral or starts forfeiture proceedings against the Collateral. H. I sell, lease or otherwise encumber or dispose of the Collateral without Lender's written permission. (For Kansas residents only: Lender believes the foregoing events B. through J. would significantly impair the prospect of payment, performance, or realization of collateral. The burden of establishing the prospect of such significant impairment is on the Lender.) GENERAL REMEDIES. If I am in default of this Agreement, Lender has, subject to any requirements of notice or right to cure or similar provisions, all of the remedies permitted by law and this Agreement, including: A. Lender may require me to pay Lender immediately, subject to any rebates required by law, the remaining unpaid balance of the Amount Financed, finance charges, and all other agreed charges. These amounts will accrue interest from the date I am required to pay Lender at the Contract Rate or lesser rate as required by applicable law, until paid in full. B. Lender may pay taxes, assessments, or other liens, or make repairs to the Collateral if I have not done so, but Lender is not required to do so. Upon payment by Lender, these amounts will be due immediately and will accrue finance charges at the Contract Rate from the date paid until repaid in full to Lender. C. Lender may require me to make the Collateral available to Lender at a place Lender designates that is reasonably convenient to Lender and me. D. Lender may immediately immobilize, disable, or take possession of the Collateral by legal process or self help, but in doing so Lender may not breach the peace or unlawfully enter onto my premises. Lender may then sell the Collateral and apply what Lender receives, as provided by law, to Lender's actual and reasonable expenses before all other amounts due hereunder. E. Except when prohibited by law, I am responsible for any deficiency if the proceeds from the sale of the Collateral do not cover what I owe Lender, and Lender may sue me for those additional amounts. F. Lender has the right, but not the obligation, to cancel or request termination of any voluntary credit insurance in the event of default and I hereby appoint Lender as my attorney-in-fact to cancel any such insurance in the event of default, subject to any applicable restrictions under state law. Return of any unearned premium as a result of such request for termination or cancellation will be credited to my loan account. G. Lender may accept late payments or partial payments even though marked "Payment in Full" (or similar language) without losing any of its rights under this Agreement, to the extent permitted by law. By choosing any one or more of these remedies, Lender does not waive its right later to elect another remedy. By deciding not to use any remedy, Lender does not give up its right to consider it an event of default if it happens again. Lender's rights hereunder are cumulative, not exclusive. I agree that, if any notice is required to be given to me of an intended sale or transfer of the Collateral, notice is reasonable if mailed to my last known address, as reflected in Lender's records, at least ten (10) days before the date of the intended sale or transfer, or such other period of time as is required by law. I agree that, subject to my right to recover such property, Lender may take possession of personal property left in or on the Collateral taken into possession as provided above. DELAY IN ENFORCEMENT. Lender may delay enforcing any of its rights under this Agreement without losing them. NOTICES. If required by law, Lender will provide me with notices under this Agreement which, if mailed, shall be sent to my last known address as reflected in Lender's records, including, but not limited to, notices of default, right to cure, and purchase of Required Insurance. WAIVER. Unless law or this Agreement provide otherwise, I hereby waive presentment, notice and protest, and all other demands and notices in connection with the delivery, acceptance, performance, default or endorsement of this Agreement and all suretyship defenses generally to the extent permitted by applicable law. SAVINGS CLAUSE. All agreements between me and Lender are expressly limited so that any interest, finance charges, loan charges, or other fees collected or to be collected from me or any person executing this Agreement shall not exceed, in the aggregate, the highest amount allowed by applicable law. If a law that applies to this Agreement and my loan is finally interpreted so that the interest, finance charges, loan charges, or other fees collected, or to be collected, in connection with this loan exceed the permitted limits, then: (a) any such interest, finance charges, loan charges, or other fees shall be reduced to the permitted limit; and (b) any sums already collected from me that exceeded permitted limits will be refunded. Lender may choose to make this refund by reducing the remaining unpaid balance that I owe under this Agreement or making a direct payment to me. To the extent permitted by law, my acceptance of any such refund shall constitute a waiver of any right of action I might have arising out of such overcharge. The following notice applies if the proceeds of this loan will be applied in whole or substantial part to a purchase of goods or services from a seller who either refers consumers to the Lender or who is affiliated with the Lender by common control, contract, or business arrangement: NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. SEE ADDITIONAL PAGES FOR IMPORTANT INFORMATION INTEREST BEARING LOAN. If checked, I agree to pay to the order of Lender, Principal, plus interest ("finance charges") on the daily unpaid Principal balance computed at the Contract Rate, in the Payment amounts shown in the TRUTH IN LENDING DISCLOSURES on page 1 hereof, plus all other fees, charges, and other amounts due under this Agreement, at Lender's address set forth in this Agreement, unless otherwise notified, until paid in full. All payments will be applied in the following order: (a) other charges provided for in this Agreement or otherwise allowed by law, and late charges; (b) interest accrued to the date the payment is received and applied by Lender; and (c) if there is any remainder of the payment, the unpaid Principal balance. Interest on my loan accrues daily on the unpaid Principal balance. If I pay early, more of my payment will be applied to the unpaid Principal balance. If I pay late or miss payments, more of my payment will be applied to interest. This will delay my Principal reduction and cost me more in interest. The Payment Schedule assumes that I will make each payment on the day it is due, therefore, my final payment will be adjusted as appropriate to reflect any variation in the actual dates my payments are received by the Lender. If any unpaid amounts remain due to Lender after my final scheduled payment due date, I agree to pay interest on these unpaid amounts, computed at the Contract Rate, until paid in full, to the extent permitted by applicable law. Principal is the total of the Amount Financed, plus any Prepaid Finance Charges that I have financed. PRECOMPUTED LOAN. If checked, I agree to pay to the order of Lender the Total of Payments, in the Payment amounts shown in the TRUTH IN LENDING DISCLOSURES on page 1 hereof, plus all other fees, charges, and other amounts due under this Agreement, at Lender's address set forth in this Agreement, unless otherwise notified, until paid in full. All payments will be applied in the following order: (a) other charges provided for in this Agreement or otherwise allowed by law, and late charges; and (b) the Total of Payments amount. If any unpaid amounts remain due to Lender after my final scheduled payment due date, I agree to pay finance charges on these unpaid amounts, computed at the Contract Rate, until paid in full, to the extent permitted by applicable law. PREPAYMENT. I may prepay all or any part of my loan at any time. The Prepaid Finance Charges are deemed by the parties to be fully earned on the Date of Loan and are not refundable, to the extent permitted by applicable law. If my loan is a Precomputed Loan and I prepay my loan in full, the amount I owe will be reduced by any unearned finance charges, computed by: (a) if the term of this Agreement is sixty-one (61) months or less, the Rule of 78s method; or (b) if the term of this Agreement is more than sixty-one (61) months, the actuarial method, as provided by the Oklahoma Uniform Consumer Credit Code. If the earned finance charge is less than the minimum allowed by law, then I agree to pay a minimum finance charge of $ N/A . No refund of less than $1.00 will be made. LATE CHARGE. I agree to pay any late charge described in the TRUTH IN LENDING DISCLOSURES herein. DEFERMENT CHARGE. If my loan is a Precomputed Loan and I fail to make a payment within ten (10) days after its due date, I agree that Lender may unilaterally grant me a deferral and collect a deferment charge from me. The deferment charge will be computed by applying the lesser of Contract Rate or APR proportionally to the amount of the deferred payment for the deferment period, as provided in the Uniform Consumer Credit Code. Deferment charges are due and payable at the time of deferment. CONVERSION. If my loan is a Precomputed Loan and two (2) or more of my payments are partially or entirely in default one (1) full month or more after any due date, Lender may convert my loan to an Interest Bearing Loan by deducting from the unpaid balance the same refund of unearned finance charges that I would have received if I had paid in full as of the maturity date of the first delinquent installment, and thereafter I agree to pay finance charges from the date of the first payment in default on the unpaid amount at the Contract Rate, until paid in full. DISHONORED CHECK CHARGE. If my check or other instrument given to Lender is returned unpaid for any reason, I agree to pay a dishonored check charge of $25.00. DEFAULT COSTS. In the event of a default, I agree to pay Lender reasonable expenses incurred in realizing on a security interest as a result of my default. I will also pay reasonable attorney's fees not to exceed 15% of the unpaid debt. In the event the principal of this loan does not exceed $5,300 (which amount is subject to change as provided for by 14A Okla. Stat. Sec. 1-106), my agreement to pay attorney's fees is inapplicable. GOVERNING LAW. This Agreement shall be governed by the laws of the State of Oklahoma and Federal law. C. ARBITRATION AGREEMENT AND WAIVER OF JURY TRIAL DESCRIPTION OF ARBITRATION. Arbitration is a method of resolving claims and disputes between parties without having to file a lawsuit in court. It is a process in which both sides present their case to a neutral third person—the arbitrator—instead of a judge or jury, to resolve the dispute. UNDER THIS AGREEMENT, BOTH LENDER AND I ARE VOLUNTARILY WAIVING ANY RIGHT TO A JURY TRIAL OR JUDGE TRIAL OF ALL CLAIMS AND DISPUTES COVERED BY THIS ARBITRATION AGREEMENT AND WAIVER OF JURY TRIAL ("this Arbitration Agreement") TO THE FULLEST EXTENT PERMITTED BY LAW. CLAIMS AND DISPUTES COVERED. Except for those claims mentioned below under the heading "MATTERS NOT COVERED BY ARBITRATION," Lender and I agree that either party may elect to resolve all claims and disputes between us ("Covered Claims") by BINDING ARBITRATION. This includes, but is not limited to, all claims and disputes arising out of, in connection with, or relating to: This Agreement with Lender; any previous retail credit agreement ("Retail Contract") assigned to Lender and any previous loan from or assigned to Lender, whether any of the foregoing may be open-end or closed-end, all documents, promotions, advertising, actions, or omissions relating to this or any previous loan or Retail Contract made by or assigned to Lender; any insurance product, service contract, membership plan or warranty purchased in connection with this or any previous loan or Retail Contract made by or assigned to Lender; any product or service offered to Lender's customers with any assistance or involvement by Lender; whether the claim or dispute must be arbitrated; the validity and enforceability of this Arbitration Agreement (except as expressly set forth in subsection G. below) and the Agreement, my understanding of them, or any defenses as to the validity and enforceability of this Arbitration Agreement and the Agreement; any negotiations between Lender and me, the closing, servicing, collecting, or enforcement of any transaction covered by this Arbitration Agreement; any allegation of fraud or misrepresentation; any claim based on or arising under any federal, state, or local law, statute, regulation, ordinance, or rule; any claim based on state or federal property laws; any claim based on the improper disclosure of any information protected under state or federal consumer privacy laws; any claim or dispute based on any alleged tort (wrong), including intentional torts; any claim for damages or attorneys' fees; and any claim for injunctive, declaratory, or equitable relief. COVERED CLAIMS AGAINST THIRD PARTIES. This Arbitration Agreement also covers any claim or dispute between me and any of Lender's employees, officers, agents, or directors; any of its affiliate corporations; any entities which provided insurance in connection with this or any previous transactions between me and Lender; any third parties that assigned Retail Contracts or other agreements to Lender, any third party that provides me any product or service which I purchased with the assistance or involvement of Lender; and any of the employees, officers, agents, or directors of such affiliates or third parties. Affiliate corporations are Lender's parent corporations, subsidiary corporations, and sister corporations. Some of Lender's affiliates are OneMain Consumer Loan, Inc., iLoan, OneMain Home Equity, Inc., OneMain Financial Services, Inc., Merit Life Insurance Co., and Yosemite Insurance Company. In addition, if Lender becomes a party in any lawsuit that I have with any third party, whether through intervention by Lender or by motion made by me or any third party, all claims in that lawsuit between me and the third party will be subject to binding arbitration under this Arbitration Agreement, provided that the third party is required to agree to resolve such claims by arbitration. MATTERS NOT COVERED BY ARBITRATION. I agree that Lender does not have to initiate arbitration before exercising lawful self-help remedies or judicial remedies of garnishment, repossession, replevin or foreclosure, but instead may proceed in court for those judicial remedies. I may assert in court any defenses I may have to Lender's claims in such a lawsuit, but any claim or counterclaim for rescission or damages I may have arising out of, relating to, or in connection with Lender's exercise of those remedies must be arbitrated. Instead of pursuing arbitration, either Lender or I also have the option to bring a lawsuit in court to seek to recover the monetary jurisdictional limit of a small claims or equivalent court in my state (including costs and attorneys' fees), provided that no relief other than such recovery is requested in such lawsuit (an "Excluded Damages Lawsuit"). If an Excluded Damages Lawsuit is filed, the other party cannot require that the claims in that lawsuit be arbitrated. An Excluded Damages Lawsuit can be brought to recover money for myself or Lender only, not for any class or group of persons having similar claims. If such an Excluded Damages Lawsuit is filed by me or Lender, and any party to that lawsuit files an amendment, counterclaim, cross-claim, or third-party claim seeking to recover more than my state's small claims or equivalent court's monetary jurisdictional limit, then that claim, counterclaim, cross-claim, or third-party claim must be arbitrated in accordance with the procedures set forth in this Arbitration Agreement. Neither I nor Lender shall be deemed to have waived any arbitration rights by the fact of having exercised any self-help or judicial remedies of garnishment, repossession, replevin or foreclosure or by having filed in court an Excluded Damages Lawsuit. ARBITRATION RULES AND PROCEDURES. A. ARBITRATION FORUM AND RULES. The arbitration will be conducted under the rules and procedures of the American Arbitration Association ("AAA") in effect at the time arbitration is started and under the rules set forth in this Arbitration Agreement. At my request, Lender will provide me a copy of the AAA Consumer Rules ("Rules"). I may also obtain a copy of those Rules by calling AAA at 1-800-778-7879 or by reviewing AAA's web-site at http://www.adr.org/consumer. In the event that AAA is either unable, unwilling, or deemed not appropriate by a court to resolve a Covered Claim, or I object to the AAA for good cause, then Lender and I agree to submit all disputes to Judicial Arbitration and Mediation Services, Inc. ("JAMS") for proceedings conducted pursuant to JAMS' Comprehensive Arbitration Rules. If there is a conflict between the rules of the AAA (or JAMS) and this Arbitration Agreement, this Arbitration Agreement will govern. If both of the designated arbitration forums cannot or will not administer the arbitration and the Lender and I cannot reach an agreement on a substitute, it remains Lender's and my intent that Covered Claims be arbitrated and that a court appoint an arbitrator pursuant to 9 U.S.C. § 5. Any court-appointed arbitrator must be an actively-licensed attorney or retired judge who has been in good standing with the bar for at least ten years. B. SELECTION OF ARBITRATOR. AAA (or JAMS) maintains lists of approved arbitrators. AAA (or JAMS) will provide Lender and me each a list of seven possible arbitrators. Lender and I will each have an opportunity to strike three persons from that list. I will make the first strike, and Lender and I will alternate in making strikes after that. After the last strike, the remaining person shall then serve as arbitrator. C. STARTING ARBITRATION. If Lender or I elect to arbitrate a Covered Claim, the electing party must notify the other party in writing. This notice can be given after the beginning of a lawsuit and can be given by way of a motion or other papers filed in the lawsuit. Otherwise, my notice must be sent to Lender at the address shown for Lender in this Agreement, unless I have received notice of a new address for Lender. Except as described below, nothing in this Arbitration Agreement shall limit the arbitrator's ability to enforce any of my rights or impose any remedies available to me under any applicable consumer protection laws or regulations. To start an arbitration, Lender and I agree to follow the rules of the applicable arbitration forum. D. COSTS OF ARBITRATION. The AAA (or JAMS) charges certain fees in connection with arbitration proceedings. Except in Texas, I may have to bear some of these fees; however, if I am not able to pay such fees or think they are too high, Lender will consider any reasonable request to bear the cost. Lender will also bear any costs Lender is required to bear by law or by the terms of any other agreement with me. To the extent permitted by law, each party will also pay for its own costs, including fees for attorneys, experts, and witnesses, unless otherwise provided by the terms of any other agreement between the parties. E. CONDUCT OF PROCEEDINGS. The arbitrator shall be bound by the Federal Rules of Evidence; however, the federal or any state rules of procedure or discovery shall not bind the arbitrator. The arbitrator's findings, reasoning, decision and award shall be set forth in writing and shall be based upon and be consistent with the law of the jurisdiction that applies to the loan or other agreement between Lender and me. The arbitrator must abide by all applicable laws protecting the attorney-client privilege, the attorney work product doctrine, or any other applicable privileges. F. ENFORCEMENT AND APPEAL OF DECISION. The decision and judgment of the arbitrator shall be final, binding and enforceable in any court having jurisdiction over the parties and the dispute; however, for Covered Claims resulting in an award of $100,000 or more (including costs and attorneys' fees), any party may appeal the award, at its own cost, except as provided by law, to a three-arbitrator panel appointed by the AAA (or JAMS). That panel will reconsider from the start any aspect of the initial award that either party asserts was incorrectly decided. The decision of the panel shall be by majority vote and shall be final and binding, except as provided below. The arbitrator's (or panel's) findings, decision and award shall be subject to judicial review on the grounds set forth in 9 U.S.C. § 10, as well as on the grounds that the findings, decision and award are manifestly inconsistent with the terms of this Arbitration Agreement and any applicable laws or rules. G. LIMITATION OF PROCEEDINGS. Lender and I further agree that the arbitrator will be restricted to resolving only the claims, disputes or controversies between Lender and me and the other parties covered by this particular Agreement (and not by similar agreements). Arbitration is not available and shall not be conducted on a class-wide basis or consolidated with other claims or demands of other persons. I agree not to participate in a representative capacity or as a member of any class of claimants pertaining to any Covered Claim. To the extent that this class action waiver provision is found to be unenforceable, then the entirety of this Arbitration Agreement shall be null and void. The determination of the validity of the enforceability of this class action waiver is to be made by the court and not the arbitrator. SEE ADDITIONAL PAGES FOR IMPORTANT INFORMATION H. LIMITATION OF ARBITRATOR'S AUTHORITY. The arbitrator may award punitive damages only under circumstances where a court of competent jurisdiction could award such damages. In awarding any punitive damages, the arbitrator must abide by all applicable state and federal laws regarding the amount of such damages, and the arbitrator must state the precise amount of the punitive damages award. The arbitrator must also conduct a post Award review of any punitive damages, allowing the parties the same procedural rights and using the same standards and guidelines that would apply in a judicial proceeding in the state where the arbitration is conducted. The arbitrator may award injunctive relief that would benefit either Lender or me in connection with resolving a Covered Claim between Lender and me, but the arbitrator may not award injunctive relief for the benefit of other persons or groups of persons who are not named parties to the arbitration proceeding. I. LOCATION OF THE ARBITRATION. The arbitration will take place in the county where I live unless Lender and I agree to another location. If Lender and I agree, all or a portion of the arbitration proceedings can be conducted by telephone conference. J. FORUM SELECTION CLAUSE. If either Lender or I need to file a lawsuit to enforce this Arbitration Agreement or to pursue claims that either may or may not be arbitrable under this Arbitration Agreement, the exclusive venue for that suit will be a state court located in the county in which Lender's address set forth above is located or where I sign this Arbitration Agreement, or in the federal court covering that county, unless the governing law requires suit to be filed in another location. K. ENFORCEMENT IN COURT. Nothing in this Arbitration Agreement shall prevent either Lender or me from enforcing all rights under this Arbitration Agreement if a Covered Claim is filed in court. OTHER IMPORTANT AGREEMENTS. Lender and I agree: A. This Arbitration Agreement does not affect any applicable statute of limitations or repose or any claims of privilege recognized at law in the jurisdiction that applies to the loan, the Agreement or any other agreement between Lender and me, which an arbitrator is bound to apply. B. The loan and insurance transactions between Lender and me and other applicable parties are transactions involving interstate commerce, using funds and other resources from outside the state. C. The Federal Arbitration Act applies to and governs this Arbitration Agreement. State arbitration laws and procedures shall not apply to this Arbitration Agreement. D. This Arbitration Agreement applies to and runs to the benefit of Lender's and my assigns, successors, executors, heirs, and/or representatives. E. If any term of this Arbitration Agreement, other than the class action waiver described in subsection G. above, is unenforceable, the remaining terms are severable and enforceable to the fullest extent permitted by law. F. This Arbitration Agreement supersedes any prior arbitration agreement that may exist between Lender and me and can only be modified in writing signed by the parties. G. This Arbitration Agreement applies even if my loan has been cancelled, changed, modified, refinanced, paid in full, charged off, or discharged or modified in bankruptcy. I AGREE TO READ THIS ARBITRATION AGREEMENT CAREFULLY, BECAUSE IT LIMITS CERTAIN OF MY RIGHTS, TO THE EXTENT PERMITTED BY LAW, INCLUDING MY RIGHTS TO BRING A COURT ACTION, TO HAVE A TRIAL BY JURY, AND TO PARTICIPATE IN A CLASS ACTION OR CLASS ARBITRATION. BY SIGNING THIS AGREEMENT, I ACKNOWLEDGE THAT I HAVE READ AND RECEIVED A COPY OF THIS ARBITRATION AGREEMENT AND AGREE TO BE BOUND BY ALL OF ITS TERMS. D. ENTIRE AGREEMENT/NOTICES/SIGNATURE ENTIRE AGREEMENT. This Agreement contains the entire agreement of the parties with regard to the subject matter hereof, and no party hereto has relied upon any representations except such as are specifically set forth herein. This Agreement cannot be modified in any respect except by an amendment in writing signed by the parties. All notices under this Agreement shall be in writing and directed to the parties at the addresses shown at the beginning of this Agreement or to such other address as a party may specify by notice given in accordance with this paragraph. BY SIGNING BELOW, I SIGNIFY THAT I HAVE READ, UNDERSTOOD, AND AGREED TO THE TERMS AND CONDITIONS OF THIS AGREEMENT, INCLUDING THE ARBITRATION AGREEMENT THAT PROVIDES, AMONG OTHER THINGS, THAT EITHER LENDER OR I MAY REQUIRE THAT CERTAIN DISPUTES BETWEEN US BE SUBMITTED TO BINDING ARBITRATION. IF LENDER OR I ELECT TO USE ARBITRATION, WE AGREE THAT WE WILL HAVE THEREBY WAIVED OUR RIGHTS TO TRIAL BY JURY OR JUDGE, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THAT THE DISPUTE WILL BE DECIDED BY AN ARBITRATOR, AND THAT THE DECISION OF THE ARBITRATOR WILL BE FINAL. ARBITRATION WILL BE CONDUCTED PURSUANT TO THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION, EXCEPT AS OTHERWISE PROVIDED IN THE ARBITRATION AGREEMENT. I agree that, on or before the date on page 1 hereof ("the Date of Agreement"), I have received and read a fully completed, legible copy of all of the documents comprising this Agreement, and the Privacy Notice and agree to be bound thereby. Consent to be Contacted by Telephone. I expressly consent and agree that Lender may contact me at any telephone number that I provide Lender now or in the future, including a number for a cellular phone or other wireless device and a number that I later convert to a cellular phone or other wireless device. I understand that this consent means that I agree to receive voice calls using automatic telephone dialing systems, prerecorded or artificial voice messages and text messages by or on behalf of Lender for transactional purposes, such as the collection and servicing of my loan account with Lender. NOTICE TO CONSUMER: 1. Do not sign this paper before you read it. 2. You are entitled to a copy of this paper. 3. You may prepay the unpaid balance at any time without penalty and may be entitled to receive a refund of unearned charges in accordance with law. x N/A Witness x N/A Witness x__________________________ L.S. Co-Maker Print Name: ____________________________ x__________________________ L.S. Borrower MICHAEL DIXON x__________________________ L.S. Co-Borrower x__________________________ L.S. Co-Maker Print Name: ____________________________ EXHIBIT 2 REPRESENTATION OF ORIGINAL STATEMENT ONEMAIN COUNTRY CLUB PLAZA 3602 E 51ST ST STE 10 TULSA, OK 74135-3517 Account Number: 2845 Statement Date: Apr 09, 2021 Contractual Monthly Payment: $291.25 Payment must be received on or before: Apr 24, 2021 Explanation of Amount Due Current Amount Due: $291.25 Total Fees Charged: $0.00 Past Due Amount: $0.00 Total Amount Due: $291.25 If you cannot make your payment on or before the due date please contact the branch listed on your statement. Please refer questions or requests for money by calling (918) 744-5320. You may also contact us at www.onemainfinancial.com or the address above. Please include your name and account number on any correspondence. Activity Since Last Statement <table> <tr> <th>Account Summary</th> <th>Date</th> <th>Amount</th> <th>Principal</th> <th>Interest</th> <th>Late Fees</th> <th>Other Fees</th> <th>Balance</th> </tr> <tr> <td>Previous Balance ......</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>$9,777.09</td> </tr> <tr> <td>Payment - Thank You</td> <td>Mar 25, 2021</td> <td>$291.25</td> <td>$107.72</td> <td>$183.53</td> <td></td> <td></td> <td>$9,669.37</td> </tr> </table> NEED ADDITIONAL CASH? JUST CHECK THE BOX ON THE PORTION BELOW AND RETURN WITH YOUR PAYMENT. WE'LL CALL AS SOON AS WE RECEIVE YOUR REQUEST. OR CALL OUR OFFICE TODAY AT (918) 744-5320 TO APPLY. ONEMAIN Financial Credit Bureau Disputes - To directly dispute any information reported by OneMain on your credit bureau report, you may dispute directly through the applicable credit reporting agency or send in writing to OneMain, P.O. Box 3327, Evansville, IN 47732-3327, Fax: (800) 617-9932. Additional information can be found at www.omf.com. Negative Information Notice - We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. PAYMENT OPTIONS • Send check or money order via U.S. Mail or Overnight Mail to the payment address on the front of the billing coupon. Checks received after 5:00 p.m. local time at the payment address on the front of the billing coupon will be credited as of the next business day. • If you have authorized Direct Pay or other electronic payments, the amount we actually debit or charge may be lower if the scheduled payment is more than your payoff amount on the payment date CHECKS MAY BE PROCESSED AS ACH PAYMENTS: 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. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. • Principal Only and Special Handling Payments If you have a special payment, please send or bring your payment to the branch address listed at the top of the prior page of this statement. Special payments include payoff, deferments, post-dated checks, judgments, bankruptcy and principal-only payments. Principal-only payments are only available for interest-bearing accounts. • On-line Payments With on-line bill pay service, you can make a monthly payment through our secure online payment process, available 24 hours a day and seven days a week. You will no longer have to write and mail a check to OneMain each month when using our on-line bill pay service. Simply go to our website at www.omf.com and click on "Make a Loan Payment" to begin the process. • DirectPay (If Available) With DirectPay, our convenient payment service, you'll no longer have to write and mail a check to OneMain each month. The exact amount of your minimum monthly payment will be automatically transferred from your checking account to OneMain. Along with the postage you save, you'll have a greater peace of mind. Because, no matter where you are or what you're doing, you can be certain your payment will be on time, every time. Please contact your branch, listed on the prior page of this statement, to obtain an authorization form for this service. • Pay by Interactive Phone Service Terms - Call us at 800-290-7002 to pay by interactive phone service. By using the interactive phone service and providing the last 4 digits of your social security number, you authorize OneMain to electronically debit your bank account and, if necessary, electronically credit your bank account to correct erroneous debits. OneMain reserves the right to terminate or change the terms of the interactive phone service at any time. FOR CONSUMER FINANCE LOANS AZ: Loans made by OneMain Financial Group, LLC 100 International Dr., 16th Floor, Baltimore, MD 21202. Loans also serviced by OneMain Consumer Loan, Inc., 600 NW 2nd Street, Evansville, IN 47708 CA: Loans made and/or serviced pursuant to a California Department of Financial Protection and Innovation Finance Lenders License. MT: Loans made and/or serviced by OneMain Consumer Loan, Inc., 600 NW 2nd Street Evansville, IN 47708 or OneMain Mortgage Services, Inc., 601 NW 2nd Street, Evansville, IN 47708 or OneMain Financial Group, LLC 100 International Dr., 16th Floor, Baltimore, MD 21202 NJ: Loans made and/or serviced by OneMain Consumer Loan, Inc., principal office: 600 NW 2nd Street, Evansville, IN 47708 or OneMain Mortgage Services, Inc., 601 NW 2nd Street, Evansville, IN 47708 or OneMain Financial Group, LLC 100 International Dr., 16th Floor, Baltimore, MD 21202 licensed by the NJ Department of Banking and Insurance NY: Loans made by OneMain Financial Group, LLC Licensed Lender NY State Department of Financial Services. You may file complaints about OneMain Mortgage Services, Inc. with the NY State Department of Financial Services. You may obtain further information from the New York State Department of Financial Services by calling the Department's Consumer Assistance Unit at 1(800) 342-3736 or by visiting the Department's website at www.dfs.ny.gov OR: Loans made and/or serviced by OneMain Consumer Loan, Inc., OneMain Financial Group, LLC or OneMain Mortgage Services, Inc. PA: Loans made and/or serviced by OneMain Consumer Loan, Inc. or OneMain Financial Group, LLC all licensed by the Pennsylvania Department of Banking and Securities RE: Loans made and/or serviced by OneMain Consumer Loan, Inc. or OneMain Financial Group, LLC, Rhode Island Licensed Lender and Licensed Small Loan Lender and OneMain Mortgage Services, Inc., Rhode Island Licensed Lender TX: Loans made by OneMain Financial Group, LLC, 100 International Dr., 16th Floor, Baltimore, MD 21202 WA: Loans made and/or serviced by OneMain Consumer Loan, Inc. (CL-937458), OneMain Financial Group, LLC (CL-1339418), or OneMain Mortgage Services, Inc. (CL-931153) WV: Loans in West Virginia are originated and/or serviced by OneMain Financial, Inc. If you are not currently entitled to the protections of the United States Bankruptcy Code, then this communication is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose NOTICE: If you are currently entitled to the protections of the United States Bankruptcy Code (11 U.S.C. §§ 362, 524) regarding the loan account which is the subject matter of this letter, the following applies to you. THIS COMMUNICATION IS NOT AN ATTEMPT TO COLLECT OR RECOVER ANY AMOUNTS OWED IN VIOLATION OF THE BANKRUPTCY CODE AND IS FOR INFORMATIONAL PURPOSES ONLY. Any payments made on a loan which has been discharged in bankruptcy are voluntary. SPECIAL PAYMENT APPLICATION ADDRESS CORRECTIONS Renew your loan¹ and refresh your home. ○ Fast - money as soon as 1 hour after loan closing² ○ Risk-free for 7 days – guaranteed³ ○ Simple, straightforward – easy to apply OMF.com/FIXIT Details on reverse >> Whether you have a home project to tackle or a big stack of bills to pay off, contact us. If you’re approved for a renewal loan,¹ get your money as soon as 1 hour after loan closing² and use it to pay off your current loan. Put the extra funds to work on whatever you’re tackling.⁴ OMF.com/FIXIT or call your local branch ¹ Important Notice About Refinancing to Obtain More Money. Before you refinance your existing loan to obtain additional money, you should carefully consider the advisability of increasing your debt, your monthly obligations and the length of your repayment term. Loans include origination fees. Visit OMF.com/loantoes for more details. If there is collateral on your existing loan, we may require collateral on the renewal loan. ² Funding Option Availability. Loan proceeds may be disbursed by check or electronically deposited to the borrower’s bank account through the Automated Clearing House (ACH) or debit card (SpeedFunds) networks. ACH funds are available approximately 1 to 2 business days after that date. SpeedFunds is subject to Specialty Funding’s restrictions on loan disbursements. ³ Return all loan proceeds within 7 calendar days from the date of your loan and sign a cancellation agreement. Your OneMain loan(s) you paid off with proceeds of the cancelled loan will be reinstated. Go to omtf.com/7day for more details. ⁴ Prohibited Loan Purposes. OneMain loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university, or vocational expenses; for any business or commercial purpose; to purchase securities; or for gambling or illegal purposes. All loans subject to our normal credit policies. CA: OneMain Financial Group, LLC - Loans made or arranged pursuant to Department of Financial Protection and Innovation California Finance Lenders License. NH: OneMain Financial Group, LLC - NMLS #1339418. PA: OneMain Financial Group, LLC - Licensed by the Pennsylvania Department of Banking and Securities. WA: OneMain Financial Group, LLC - Consumer Loan Company License - NMLS #1339418. A NEW way to refer a friend Helping important people in your life get the money they need is now as easy as sharing a link. When they book a qualifying loan through your link, you get $100. Flip this over and we'll show where >> OneMain Financial Visit OMF.com/GetStarted to set up or log on to your online account. To download our mobile app, visit the App Store, Google Play or OMF.com/mobile app. EXHIBIT 3 EXHIBIT A ASSIGNMENT AND BILL OF SALE ONEMAIN FINANCIAL GROUP, LLC, a Delaware limited liability company, ONEMAIN FINANCIAL (HI), INC., a Hawaii corporation, ONEMAIN FINANCIAL, INC., a West Virginia corporation, ONEMAIN FINANCIAL OF MINNESOTA, INC., a Minnesota corporation on behalf of themselves and as attorney in fact for ONEMAIN FINANCIAL ISSUANCE TRUST 2015-3, a Delaware statutory trust; ONEMAIN FINANCIAL ISSUANCE TRUST 2016-3, a Delaware statutory trust; ONEMAIN FINANCIAL ISSUANCE TRUST 2018-1, a Delaware statutory trust; ONEMAIN FINANCIAL ISSUANCE TRUST 2018-2, a Delaware statutory trust; ONEMAIN FINANCIAL ISSUANCE TRUST 2019-1, a Delaware statutory trust; ONEMAIN FINANCIAL ISSUANCE TRUST 2019-2, a Delaware statutory trust; ONEMAIN FINANCIAL ISSUANCE TRUST 2019-A, a Delaware statutory trust; ONEMAIN FINANCIAL ISSUANCE TRUST 2020-1, a Delaware statutory trust; ONEMAIN FINANCIAL ISSUANCE TRUST 2020-2, a Delaware statutory trust; and ONEMAIN FINANCIAL ISSUANCE TRUST 2021-1, a Delaware statutory trust (collectively, the "Sellers"). NOW, THEREFORE, for good and valuable consideration, receipt of which is hereby acknowledged, Sellers hereby sell, assign, and transfer to Buyer, its successors and permitted assigns, all of Sellers rights, title, and interest in and to the Accounts owned by such Sellers and identified on the Sale File delivered by the Sellers to Buyer in electronic file form in conjunction herewith and titled PRA_ARC2-6_sale_24FEB22. IN WITNESS WHEREOF, the parties hereto have duly executed this Agreement on 1st day of March 2022. ASSIGNMENT AND BILL OF SALE SIGNATURE PAGE SELLERS: ONEMAIN FINANCIAL GROUP, LLC, a Delaware limited liability company, ONEMAIN FINANCIAL (HI), INC., a Hawaii corporation, ONEMAIN FINANCIAL, INC., a West Virginia corporation, ONEMAIN FINANCIAL OF MINNESOTA, INC., a Minnesota corporation on behalf of themselves and as attorney in fact for ONEMAIN FINANCIAL ISSUANCE TRUST 2015-3, a Delaware statutory trust; ONEMAIN FINANCIAL ISSUANCE TRUST 2016-3, a Delaware statutory trust; ONEMAIN FINANCIAL ISSUANCE TRUST 2018-1, a Delaware statutory trust; ONEMAIN FINANCIAL ISSUANCE TRUST 2018-2, a Delaware statutory trust; ONEMAIN FINANCIAL ISSUANCE TRUST 2019-1, a Delaware statutory trust; ONEMAIN FINANCIAL ISSUANCE TRUST 2019-2, a Delaware statutory trust; ONEMAIN FINANCIAL ISSUANCE TRUST 2019-A, a Delaware statutory trust; ONEMAIN FINANCIAL ISSUANCE TRUST 2020-1, a Delaware statutory trust; ONEMAIN FINANCIAL ISSUANCE TRUST 2020-2, a Delaware statutory trust; and ONEMAIN FINANCIAL ISSUANCE TRUST 2021-1, a Delaware statutory trust. ONEMAIN FINANCIAL GROUP, LLC, a Delaware limited liability company By: [signature] Name: Joseph M. Orlando Title: Vice President, Managing Director ONEMAIN FINANCIAL (HI), INC. a Hawaii corporation By: [signature] Name: Joseph M. Orlando Title: Vice President, Managing Director ONEMAIN FINANCIAL, INC., a West Virginia corporation By: [signature] Name: Joseph M. Orlando Title: Vice President, Managing Director ONEMAIN FINANCIAL OF MINNESOTA, INC., a Minnesota corporation By: [signature] Name: Joseph M. Orlando Title: Vice President, Managing Director BUYER: PORTFOLIO RECOVERY ASSOCIATES, LLC A Delaware limited liability company DocuSigned by: By: [signature] Tony Spencer Name: Tony Spencer Title: Authorized Signer <table> <tr> <th>ACCOUNT N</th> <td>************2845</td> </tr> <tr> <th>UAI ID</th> <td>************5895</td> </tr> <tr> <th>BRANCH N</th> <td></td> </tr> <tr> <th>UAI ID SUP</th> <td>************5895</td> </tr> <tr> <th>BRANCH N SUP</th> <td></td> </tr> <tr> <th>ACCOUNT N SUP</th> <td>************2845</td> </tr> <tr> <th>ACCT KEY SUP</th> <td>************0600</td> </tr> <tr> <th>PRIMARY_SOCIAL_SECURITY_NUMBER</th> <td>******************</td> </tr> <tr> <th>PRIMARY_CUST_LAST_NAME</th> <td>DIXON</td> </tr> <tr> <th>PRIMARY_CUST_FIRST_NAME</th> <td>MICHAEL</td> </tr> <tr> <th>PRIMARY_CUST_MIDDLE_INITIAL</th> <td></td> </tr> <tr> <th>PRIMARY_BIRTH_DATE</th> <td></td> </tr> <tr> <th>PRIMARY_CUST_ADDRESS</th> <td>PO BOX 580213</td> </tr> <tr> <th>PRIMARY_CUST_ADDRESS2</th> <td></td> </tr> <tr> <th>PRIMARY_CITY_X</th> <td>TULSA</td> </tr> <tr> <th>PRIMARY_STATE_C</th> <td>OK</td> </tr> <tr> <th>PRIMARY_ZIP_C</th> <td>74158</td> </tr> <tr> <th>PHONE_NUMBER1</th> <td></td> </tr> <tr> <th>PHONE_NUMBER2</th> <td></td> </tr> <tr> <th>PHONE_NUMBER3</th> <td></td> </tr> <tr> <th>CUST_SPOKEN_LANGUAGE</th> <td>ENGLISH</td> </tr> <tr> <th>SECONDARY_SOCIAL_SECURITY_NUMBER</th> <td></td> </tr> <tr> <th>SECONDARY_CUST_LAST_NAME</th> <td></td> </tr> <tr> <th>SECONDARY_CUST_FIRST_NAME</th> <td></td> </tr> <tr> <th>SECONDARY_CUST_MIDDLE_INITIAL</th> <td></td> </tr> <tr> <th>SECONDARY_BIRTH_DATE</th> <td></td> </tr> <tr> <th>SECONDARY_CUST_ADDRESS</th> <td></td> </tr> <tr> <th>SECONDARY_CUST_ADDRESS2</th> <td></td> </tr> <tr> <th>SECONDARY_CITY_X</th> <td></td> </tr> <tr> <th>SECONDARY_STATE_C</th> <td></td> </tr> <tr> <th>SECONDARY_ZIP_C</th> <td></td> </tr> <tr> <th>LOAN DATE</th> <td>24-Nov-20</td> </tr> <tr> <th>CHARGE_OFF_DATE</th> <td>30-Oct-21</td> </tr> <tr> <th>CO_BALANCE</th> <td>9669.37</td> </tr> <tr> <th>CURRENT_BALANCE</th> <td>9669.37</td> </tr> <tr> <th>LAST_PAYMENT_DATE</th> <td>25-Mar-21</td> </tr> <tr> <th>LAST_PAYMENT_AMOUNT</th> <td>291.25</td> </tr> </table> <table> <tr> <th>POST CO PMT AMT</th> <td>0.00</td> </tr> <tr> <th>CHARGE OFF DATE SUP</th> <td>30-Oct-21</td> </tr> <tr> <th>CHGOFF AM</th> <td>9669.37</td> </tr> <tr> <th>CHARGEOFF INTEREST</th> <td>0</td> </tr> <tr> <th>A H RFND</th> <td>0</td> </tr> <tr> <th>LIF_RFND</th> <td>0</td> </tr> <tr> <th>IUI_RFND</th> <td>0</td> </tr> <tr> <th>PERSONAL_PRPTY_RFND</th> <td>0</td> </tr> <tr> <th>CIB INT REFUND</th> <td>0</td> </tr> <tr> <th>ORIG_OWNING_ENTITY</th> <td>ONEMAIN FINANCIAL GROUP, LLC</td> </tr> <tr> <th>OWNING_ENTITY_AT_CHG_OFF</th> <td>OneMain Financial Group, LLC (DE)</td> </tr> <tr> <th>CURR_OWNING_ENTITY</th> <td>OneMain Financial Group, LLC (DE)</td> </tr> <tr> <th>CHGOFF_ENTITY_START_DATE</th> <td>24-Nov-20</td> </tr> <tr> <th>CURRENT_ENTITY_START_DATE</th> <td>24-Nov-20</td> </tr> <tr> <th>SALE PRICE</th> <td>REDACTED BY PRA</td> </tr> <tr> <th>PROCEEDS</th> <td>REDACTED BY PRA</td> </tr> <tr> <th>ORIG_FINCHG METH</th> <td>I</td> </tr> </table> IN THE DISTRICT COURT OF TULSA COUNTY STATE OF OKLAHOMA PORTFOLIO RECOVERY ASSOCIATES, LLC, Plaintiff, vs. HALEY PFARR Defendant(s). Case No. CS-2026-01466 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 XXXXXXXXXXXXX2938. 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 10/25/23, the balance due at time of default is as follows $1,059.70. 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 $1,059.70. 7. The date of the last payment made by the Defendant(s) is March 3, 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), HALEY PFARR in the amount of $1,059.70, 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 8, 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 SUMMARY OF ACCOUNT ACTIVITY <table> <tr> <th></th> <th></th> </tr> <tr> <td>Previous Balance</td> <td>$991.29</td> </tr> <tr> <td>Payments</td> <td>$0.00</td> </tr> <tr> <td>Other Credits</td> <td>$0.00</td> </tr> <tr> <td>Purchases</td> <td>$0.00</td> </tr> <tr> <td>Balance Transfers</td> <td>$0.00</td> </tr> <tr> <td>Cash Advances</td> <td>$0.00</td> </tr> <tr> <td>Fees Charged</td> <td>$47.25</td> </tr> <tr> <td>Interest Charged</td> <td>$21.16</td> </tr> <tr> <td>New Balance</td> <td>$1,059.70</td> </tr> <tr> <td>Credit Limit</td> <td>$450.00</td> </tr> <tr> <td>Available Credit</td> <td>$0.00</td> </tr> <tr> <td>Statement Closing Date</td> <td>10/24/23</td> </tr> <tr> <td>Days in Billing Cycle</td> <td>30</td> </tr> </table> QUESTIONS? Call Customer Service or Report a Lost or Stolen Credit Card 1-877-825-3242 Outside the U.S. Call 1-702-405-2042 Please send billing inquiries and correspondence to: P.O. Box 98873, Las Vegas, NV 89193-8873 PAYMENT INFORMATION <table> <tr> <th></th> <th></th> </tr> <tr> <td>New Balance</td> <td>$1,059.70</td> </tr> <tr> <td>Past Due Amount</td> <td>$292.00</td> </tr> <tr> <td>Amount Due This Period</td> <td>$806.70</td> </tr> <tr> <td>Minimum Payment Due</td> <td>$1,059.70</td> </tr> <tr> <td>Payment Due Date</td> <td>11/20/23</td> </tr> </table> Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $39. 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 the 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>1 month(s)</td> <td>$1,060.00</td> </tr> </table> If you would like a location for credit counseling services, call 1-866-515-5720. Or you may visit www.justice.gov/usit/list-credit-counseling-agencies-approved-pursuant-11-usc-111. TRANSACTIONS <table> <tr> <th>Reference Number</th> <th>Trans Date</th> <th>Post Date</th> <th>Description of Transaction or Credit</th> <th>Amount</th> </tr> <tr> <td colspan="4">Payments, Credits, and Adjustments</td> <td></td> </tr> <tr> <td>F5727009900CYLAC</td> <td>10/24</td> <td>10/24</td> <td>ANNUAL FEE 11/23 THROUGH 11/23</td> <td>8.25</td> </tr> <tr> <td></td> <td>10/24</td> <td>10/24</td> <td>LATE FEE</td> <td>39.00</td> </tr> <tr> <td colspan="4">TOTAL FEES FOR THIS PERIOD</td> <td>47.25</td> </tr> <tr> <td></td> <td>10/24</td> <td>10/24</td> <td>Interest Charge on Purchases</td> <td>21.16</td> </tr> <tr> <td></td> <td>10/24</td> <td>10/24</td> <td>Interest Charge on Cash Advances</td> <td>0.00</td> </tr> <tr> <td colspan="4">TOTAL INTEREST FOR THIS PERIOD</td> <td>21.16</td> </tr> <tr> <td colspan="4">2023 Totals Year-to-Date</td> <td></td> </tr> <tr> <td colspan="4">Total fees charged in 2023</td> <td>$263.50</td> </tr> <tr> <td colspan="4">Total Interest charged in 2023</td> <td>$177.59</td> </tr> </table> Your account is currently closed. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. <table> <tr> <th>Type of Balance</th> <th>Annual Percentage Rate (APR)</th> <th>Balance Subject to Interest Rate</th> <th>Interest Charge</th> </tr> <tr> <td>Purchases</td> <td>29.24%(v)</td> <td>$868.14</td> <td>$21.16</td> </tr> <tr> <td>Cash Advances</td> <td>29.24%(v)</td> <td>$0.00</td> <td>$0.00</td> </tr> <tr> <td>STANDARD BALANCE TRANSFER</td> <td>29.24%(v)</td> <td>$0.00</td> <td>$0.00</td> </tr> </table> (v) = Variable Rate EXHIBIT 2 BILL OF SALE AND ASSIGNMENT OF ACCOUNTS AND RECEIVABLES FROM CREDIT ASSET SALES LLC TO PORTFOLIO RECOVERY ASSOCIATES, LLC. Credit Asset Sales LLC ("Seller"), the owner of certain accounts and associated receivables (hereinafter referred to collectively as "Purchased Accounts"), for value received and in accordance with the terms of the Purchase and Sale Agreement, by and between Seller and Portfolio Recovery Associates, LLC ("Buyer"), dated as of August 1, 2023 ("Agreement"), does hereby sell, assign and transfer to Buyer, its successors and assigns, all right, title and interest in and to the Purchased Accounts as described on the computer CreditOne_Fresh_PRA_112023 (the "Computer File"). a copy of which is attached hereto and incorporated herein by reference as "Exhibit A". This Bill of Sale and Assignment of Accounts and Receivables is subject to the terms of the Agreement and is made without representations and warranties of any kind or character except as expressly stated in the Agreement, or as expressly stated below: With respect to information for the Purchased Accounts described in the related Computer File, to the best of Seller's knowledge. Seller represents and warrants to Buyer that such information (i) is materially complete and accurate; (ii) constitutes Seller's own business records that pertain to the Purchased Accounts and accurately reflects in all material respects the information in Seller's database; (iii) was kept in the regular course of Seller's business: (iv) was made, entered or compiled in the regular course of business; (v) was recorded at or near the time the underlying activity occurred, by a person with knowledge of the data recorded; (vi) has been accurately maintained in Seller's database since it was recorded there: and (vii) it is the regular practice of Seller's business to maintain and compile such data. This Bill of Sale and Assignment of Accounts and Receivables may be entered as evidence of ownership for any of the Purchased Accounts conveyed hereby. Closing date: November 21, 2023 CREDIT ASSET SALES LLC By: Name: Craig Bennett Title: Authorized Representative PORTFOLIO RECOVERY ASSOCIATES, LLC By: Name: Leigh Bates Title: Authorized Signer EXHIBIT A ACCOUNT SCHEDULE The Purchased Accounts pursuant to the BILL OF SALE AND ASSIGNMENT OF ACCOUNTS AND RECEIVABLES FROM CREDIT ASSET SALES LLC TO PORTFOLIO RECOVERY ASSOCIATES, LLC, that are specifically identified in the electronic file named CreditOne_Fresh_PRA_112023 with such electronic file incorporated herein by reference. <table> <tr> <th>CARD_NUM</th> <td>************2938</td> </tr> <tr> <th>ACCOUNTNUMBER</th> <td>************2938</td> </tr> <tr> <th>COL1</th> <td>************2938</td> </tr> <tr> <th>COL2</th> <td></td> </tr> <tr> <th>COL3</th> <td></td> </tr> <tr> <th>COL4</th> <td></td> </tr> <tr> <th>COL5</th> <td></td> </tr> <tr> <th>COL6</th> <td></td> </tr> <tr> <th>COL7</th> <td></td> </tr> <tr> <th>COL8</th> <td></td> </tr> <tr> <th>COL9</th> <td></td> </tr> <tr> <th>COL10</th> <td></td> </tr> <tr> <th>COL11</th> <td></td> </tr> <tr> <th>COL12</th> <td></td> </tr> <tr> <th>COL13</th> <td></td> </tr> <tr> <th>COL14</th> <td></td> </tr> <tr> <th>COL15</th> <td></td> </tr> <tr> <th>COL16</th> <td></td> </tr> <tr> <th>COL17</th> <td></td> </tr> <tr> <th>COL18</th> <td></td> </tr> <tr> <th>COL19</th> <td></td> </tr> <tr> <th>COL20</th> <td></td> </tr> <tr> <th>ACCOUNT_ID</th> <td>************0835</td> </tr> <tr> <th>CHNAME</th> <td>PFARR,HALEY</td> </tr> <tr> <th>CHSOCIAL</th> <td>************</td> </tr> <tr> <th>DOB</th> <td>**/**/1996</td> </tr> <tr> <th>ADDRESS1</th> <td>6097 VALLEY RD</td> </tr> <tr> <th>ADDRESS2</th> <td></td> </tr> <tr> <th>CITY</th> <td>SKIATOOK</td> </tr> <tr> <th>ST</th> <td>OK</td> </tr> <tr> <th>ZIP</th> <td>74070-5508</td> </tr> <tr> <th>HMPHONE</th> <td>************</td> </tr> <tr> <th>BUPHONE</th> <td>************</td> </tr> <tr> <th>PHONE1</th> <td>************</td> </tr> <tr> <th>PHONE2</th> <td></td> </tr> <tr> <th>PHONE3</th> <td></td> </tr> <tr> <th>PHONE4</th> <td></td> </tr> <tr> <th>PHONE5</th> <td></td> </tr> <tr> <th>EMAIL_ADDRESS</th> <td>************</td> </tr> <tr> <th>LANGUAGEDESCRIPTION</th> <td>English</td> </tr> <tr> <th>COAPPNAME</th> <td></td> </tr> <tr> <th>COAPPSOCIAL</th> <td></td> </tr> <tr> <th>COAPPDOB</th> <td></td> </tr> <tr> <th>COAPPADDRESS</th> <td></td> </tr> <tr> <th>COAPPADDRESS2</th> <td></td> </tr> <tr> <th>COAPPCITY</th> <td></td> </tr> </table> <table> <tr> <th>COAPPST</th> <td></td> </tr> <tr> <th>COAPZIP</th> <td></td> </tr> <tr> <th>COAPPHMPH</th> <td></td> </tr> <tr> <th>COAPPBUPHONE</th> <td></td> </tr> <tr> <th>BALANCE</th> <td>1059.70</td> </tr> <tr> <th>CODT</th> <td>10/25/2023</td> </tr> <tr> <th>LPAYDT</th> <td>5/19/2023</td> </tr> <tr> <th>LPAYAMT</th> <td>35.00</td> </tr> <tr> <th>ORIGDATE</th> <td>11/12/2019</td> </tr> <tr> <th>1STDTOFDELIQUENCY</th> <td>4/24/2023</td> </tr> <tr> <th>PRINBAL</th> <td>668.39</td> </tr> <tr> <th>HIGHBALANCE</th> <td>1059.70</td> </tr> <tr> <th>COAMOUNT</th> <td>1059.70</td> </tr> <tr> <th>INTBAL</th> <td>391.31</td> </tr> <tr> <th>C ANN MERCH</th> <td>29.24</td> </tr> <tr> <th>C ANN CASH</th> <td>No Statement Found</td> </tr> <tr> <th>LSTPAYTYPE</th> <td>ACH</td> </tr> <tr> <th>FEES</th> <td>247</td> </tr> <tr> <th>INTEREST</th> <td>144.31</td> </tr> <tr> <th>CUR_BAL</th> <td>1059.7</td> </tr> <tr> <th>LASTPRECOPAYMENT_DATE</th> <td>19MAY2023</td> </tr> <tr> <th>LASTPRECO_PAYMENT</th> <td>35</td> </tr> <tr> <th>TOTAL INTEREST</th> <td>0</td> </tr> <tr> <th>TOTALPOSTCOFEES</th> <td>0</td> </tr> <tr> <th>TOTALPOSTCOPAYMENTS</th> <td>0</td> </tr> <tr> <th>TOTALMERCHPOSTCOCHARGES</th> <td>0</td> </tr> <tr> <th>TOTALPOSTCOCREDITS</th> <td>0</td> </tr> <tr> <th>LASTPURCHASEDATE</th> <td>09OCT2021</td> </tr> <tr> <th>LASTPURCHASEAMOUNT</th> <td>100.95</td> </tr> <tr> <th>DATEID</th> <td></td> </tr> <tr> <th>PRODUCT</th> <td>U300</td> </tr> <tr> <th>PRIC STRAT</th> <td>M198</td> </tr> <tr> <th>ORIGINALCREDITBUREAUSCORE</th> <td>528</td> </tr> </table> EXHIBIT 3 Pricing Summary Interest Rates and Interest Charges <table> <tr> <th>ANNUAL PERCENTAGE RATE (APR) for Purchases</th> <th><b>29.24%</b><br>This APR will vary with the market based on the Prime Rate.</th> </tr> <tr> <th>ANNUAL PERCENTAGE RATE (APR) for Balance Transfers</th> <th><b>29.24%</b><br>This APR will vary with the market based on the Prime Rate.</th> </tr> <tr> <th>ANNUAL PERCENTAGE RATE (APR) for Cash Advances</th> <th><b>29.24%</b><br>This APR will vary with the market based on the Prime Rate.</th> </tr> <tr> <th>Paying Interest</th> <td>You will be charged interest on Purchases, Balance Transfers and Cash Advances from the posting date.</td> </tr> <tr> <th>Minimum Interest Charge</th> <td>If you are charged interest, the charge will be no less than $1.00.</td> </tr> <tr> <th>For Credit Card Tips from the Consumer Financial Protection Bureau</th> <td>To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.</td> </tr> </table> Fees <table> <tr> <th>Annual Fee</th> <td>$75 for the first year. After that $99 annually ($8.25 per month).</td> </tr> <tr> <th>Transaction Fees<br>• Balance Transfers</th> <td>Either $5 or 8% of the amount of each Balance Transfer, whichever is greater.</td> </tr> <tr> <th>• Cash Advance</th> <td>Either $5 or 8% of the amount of each Cash Advance, whichever is greater.</td> </tr> <tr> <th>• Foreign Transaction</th> <td>Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater.</td> </tr> <tr> <th>Penalty Fees<br>• Late Payment</th> <td>Up to $39*</td> </tr> <tr> <th>• Returned Payment</th> <td>Up to $39**</td> </tr> </table> How We Will Calculate Your Balance: We use a method called "average daily balance (including new Purchases)." See your Card Agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement. Authorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will reduce the amount of your available credit. *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your statement. **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed the related Minimum Payment that was due. Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This corresponds to a monthly periodic rate of 2.43667%. Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: - 5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; - any Late Payment Fee for the current billing cycle; - and any Past Due Amount (excluding any past due Late Payment Fees). The Agreement This Agreement, together with the Pricing Summary, is your contract with us. Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges. Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See "How to REJECT this agreement to arbitrate" in the Arbitration section. If you do not, it will be part of this Agreement. Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. Definitions Account means the Credit One Bank card account under this Agreement. Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement. Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get credit under this Agreement. Cardholder refers to each person with a card issued in their name. Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check. Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates. Purchase means the use of the Account to obtain goods or services. Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index. we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card. you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User. Features and Use of Your Account Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not make more than two Cash Advance transactions per day which may not exceed the lower of your available credit for cash or $200. You may use the Account only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes. Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount of any payment that we receive for up to 12 calendar days. Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing the request. Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone refuses any use of your Card. Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date to any merchant at our discretion. Contact the merchant to stop automatic billing. Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions. Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those terms or for any consequences from violating those terms. Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. Interest Rates and Interest Changes Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard Purchases, unless a promotional rate applies. Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate the number of percentage points ("margin") specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due. Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the "average daily balance" for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of balances. For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the "average daily balance" for that type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for all types of balances are then added together to determine the total interest charged that billing cycle. When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest until you pay the total amount you owe us. There is no grace period and you cannot avoid paying interest on Purchases, Balance Transfers or Cash Advances. Fees See the Pricing Summary for additional Fee information. Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment. Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your request and before you agree to it. Foreign Transaction Fee: We add this fee, unless "None" is stated in the Pricing Summary table, for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will be informed of the amount of the fee before you complete the transaction. Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be charged a fee of up to $10 for each statement copy requested. Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6 for each sales slip copy requested. Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account. Payments Minimum Payment Due: See the Pricing Summary for the minimum payment requirements. Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be a delay in processing and crediting the payment to your Account. Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as "paid in full," and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under this Agreement. Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated check on the day we receive it. Payment Allocation: We apply payments to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first. Collecting, Sharing, and Updating Information Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like a copy. Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting agency that provided us with information concerning you. Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number. Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live operator, dialing system, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. Please: • include your name, mailing address, and the last four digits of your Account number; • specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages; • provide the specific phone number(s) and/or email address for which you are requesting communications to cease; • send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873. Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us. Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. You can update your mobile number by calling us at the phone number on the back of your Card. Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other partners and employees for any costs and expenses, including reasonable attorneys' fees, incurred as a result of us contacting or attempting to contact you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement. Account Closure Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer permanently reside in one of the 50 states[●]he District of Columbia. If you are in default, we may declare the entire Account balance immediately due and payable without advance notice. Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable attorneys' fees, court or other collection costs, and fees and costs of any appeal. Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full. We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. Arbitration Agreement PLEASE READ CAREFULLY—IMPORTANT—AFFECTS YOUR LEGAL RIGHTS This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You have the right to REJECT this agreement to arbitrate by using the procedure explained below. If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY—CLASS ACTIONS AND SIMILAR PROCEDURES WILL NOT BE AVAILABLE TO YOU. Agreement to Arbitrate: You and we agree that either you or we may, without the other's consent, require that controversies or disputes between you and us (all of which are called "Claims"), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the "FAA"), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the laws of the State of Nevada. For purposes of this agreement to arbitrate, "you" includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone else connected with you or claiming through you; and "we" or "us" includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with the subject matter of the claim or dispute at issue. Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced. Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case. No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only: UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION. The arbitrator shall have no authority to ent[?gin] any Claim as a class action or private attorney general action or on any other similar representative basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is the named party.† †Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the billing address for your Account is a California address (hereafter, “California Account Holder”). Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (“AAA”) before a single arbitrator under the AAA’s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference. In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with the FAA). Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You may represent yourself in arbitration, or you may be represented by a lawyer. Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages or other relief that it could recover if it prevailed in a court proceeding. An arbitrator’s award shall consist of a written statement setting forth the disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not have any bearing on another person or dispute. If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, or in an in-person hearing. Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties agree to a different place. The Arbitrator's Decision: The arbitrator's decision will be final and binding on the parties. A party can file a written appeal to the arbitration administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled “Fees and Costs”. Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable by any court having jurisdiction. Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator’s rules of procedure. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator’s rules of procedure. All parties are responsible for their own attorney’s fees, expert fees and any other expenses, unless the arbitrator awards such fees or expenses to you or us if allowed by applicable law. Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users of your Account(s). How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement. Survival, Severability, and Amendment of Terms: Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above. Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or in a written agreement between you and us. Other Information Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law. Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your permission. Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under this Agreement. No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them. Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. Your Billing Rights: Keep this Document for Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 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 the Billing Inquiries address on the statement. 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. • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors. 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. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: • 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. • 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. After we finish our investigation, one of two things will happen: If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct. 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own or operate 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 the Billing Inquiries address shown on your statement. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. Rewards Program Supplement This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program ("Program") and supplements the Card Agreement that governs your credit card account issued by Credit One Bank, N.A. (the "Account"). By using the Account, you agree to participate in the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your Account from the first day to the last day of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: • We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that category. When this occurs, Purchases with that merchant won't qualify for cash back rewards offers on Purchases in that category. • Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same merchant at a different location may result in no cash back rewards. • Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process the purchase in that cash back rewards category. Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories: • gasoline, • grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and convenience stores; or at smaller stores like bakeries, candy, nut or confection stores), • mobile phone service, and • internet, cable and satellite TV service. Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: • oil, propane, home heating companies, • PayPal, • warehouse clubs (including but not limited to Sam's Club and Costco), • discount supercenters (including but not limited to Wal-Mart and Target). Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other credits for such Purchases. Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash back rewards program. Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition of Eligible Purchases. We will give you prior notice to the extent required by law. The current version of this Program may be found at www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability to earn cash back rewards. Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a statement credit. Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law.