Portfolio Recovery Associates, LLC v. Lisa Ofeery

25-46208-0 ZO1 010 IN THE DISTRICT COURT OF OKLAHOMA COUNTY STATE OF OKLAHOMA Portfolio Recovery Associates, LLC, Plaintiff, vs. Lisa Ofeery, Defendant. PETITION FOR INDEBTEDNESS COMES NOW the Plaintiff, by and through its undersigned attorneys who hereby enter their appearance herein, and for its cause of action against the defendants alleges and states as follows: 1. BARCLAYS BANK DELAWARE, provided credit to the defendant on account number XXXXXXXXXXXXX4084. The Defendant defaulted on the obligation. The account has been assigned to Plaintiff. 2. Defendant owes Plaintiff $12,208.89. An Affidavit of Account and/or contract is attached hereto and incorporated by reference. WHEREFORE, Plaintiff prays for Judgment against the Defendant in the sum of $12,208.89, plus all court costs, accrued and accruing; and for such other relief as the Court may deem just and proper. William L. Nixon, Jr., #012804 Harley L. Homjak, #019736 Gracelyn Porras Dillingham, #35852 Jenifer A. Gani, #021876 Daniela Westfahl, #36242 Mariah S. Ellicott, #36309 Benjamin F. Brackett, #36580 LOVE, BEAL & NIXON, P.C. Attorney for Plaintiff P.O. Box 32738 Oklahoma City, OK 73123 Telephone: 405-720-0565 E-Mail: [email protected] September 6, 2024 Lisa Ofeyy 18955 E. Memorial Rd. Luther, OK 73054-9575 RE: Account Number Ending: 4084 Dear Customer(s), Notification of Assignment, Sale or Transfer of Your Credit Card Account The purpose of this notice is to inform you that your Barclays Bluegreen Encore Rewards Mastercard credit card account ending 4084 was sold to Portfolio Recovery Associates with a balance of $12,243.89. This account was charged off by Barclays Bank Delaware with the balance of $12,243.89 on 06/28/2024. This notice provides you with information on how to contact Portfolio Recovery Associates. A Few Important Points · Effective immediately, Barclays Bank Delaware no longer owns your account. Your account is now owned and managed by Portfolio Recovery Associates. · Future communications will be from Portfolio Recovery Associates. Any questions, concerns, payments, or correspondence should be sent to Portfolio Recovery Associates, at the address below. · Barclays Bank Delaware will send notifications to the consumer reporting agencies to reflect the transfer in ownership. Please allow up to 30 days for the consumer reporting agencies to process the change on your credit report. If you have questions, listed below are the mailing address, toll-free number, and website of Portfolio Recovery Associates. Mail your payments or correspondence to: Portfolio Recovery Associates P.O. Box 12914 Norfolk, VA 23541-1223 You can also reach Portfolio Recovery Associates toll free at 800-772-1413 or visit www.portfoliorecovery.com Sincerely, Barclays NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP RIGHTS You are hereby notified that the ownership and servicing of your credit card account, including the right to collect payments from you, has been assigned, sold or transferred from Seller to Portfolio Recovery Associates. Your previous account owner and servicer is Barclays Bank Delaware. The business address for your new account owner and servicer is: Portfolio Recovery Associates P.O. Box 12914 Norfolk, VA 23541-1223 The payment address is: Portfolio Recovery Associates P.O. Box 12914 Norfolk, VA 23541-1223 The date your new account owner and servicer began accepting payments from you is August 30, 2024. Please begin sending all payments to your new owner and servicer. The date that your previous account owner and servicer stopped accepting payments from you is August 29, 2024. The telephone number of your new account owner and servicer is 800-772-1413. The website of your new account owner and servicer is www.portfoliorecovery.com. If you have any questions for your new account owner and servicer, or to make payment arrangements, call Portfolio Recovery Associates, customer service toll free at 800-772-1413. Bluegreen Rewards® World Mastercard® Statement LISA OFEERY |Account Ending 4084 | Statement Period 05/06/24 - 06/05/24 Page 1 of 5 Account Activity <table> <tr><th>Previous Balance as of 05/06/24</th><td>$11,934.87</td></tr> <tr><th>Payments</th><td>$0.00</td></tr> <tr><th>Fees Charged</th><td>+ $40.00</td></tr> <tr><th>Interest Charged</th><td>+ $269.02</td></tr> <tr><th>Statement Balance as of 06/05/24 =</th><th>$12,243.89</th></tr> <tr><th>Past Due</th><th>= $2,674.87</th></tr> </table> APR Details begin on page 3 in the Interest Charge Calculation section. Transaction details begin on page 3. Credit Line <table> <tr><th>Total Revolving Credit Line</th><th>$0.00</th></tr> <tr><th>Includes $0.00 cash advance line</th><td></td></tr> <tr><th>Available Revolving Credit Line as of 06/05/24</th><th>$0.00</th></tr> <tr><th>Available for cash advances $0.00</th><td></td></tr> <tr><th>Overlimit Amount</th><th>$1,893.89</th></tr> </table> Rewards Summary Total Rewards Sent to bluegreen: 0 For details see page 5 Payment Information <table> <tr><th>Statement Balance:</th><td>$12,243.89</td></tr> <tr><th>Minimum Payment Due:</th><td>$3,103.23</td></tr> <tr><th>Payment Due Date:</th><td>07/02/24</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 of up to $40.00. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: <table> <tr> <th>If you make no additional charges using this card and each month you pay...</th> <th>You will pay off the balance shown on this statement in about...</th> <th>And you will end up paying an estimated total of...</th> </tr> <tr> <td>Only the minimum payment</td> <td>24 years</td> <td>$31,580.00</td> </tr> </table> If you would like information about credit counseling services, please call 800-570-1403. Repayment information based on activity and APRs on your account as of the closing date. PAST DUE: Your account is Past Due. Payment of the past due amount of $2,674.87 is due immediately. This past due amount has been added to your minimum payment due. OVERLIMIT: Your account is over the credit line. Payment of the amount over your credit line is due immediately to bring your account current. SEE INSIDE: You may have additional important messages inside. NOTICE: SEE REVERSE SIDE OR END OF STATEMENT FOR IMPORTANT INFORMATION Payment Coupon Ways to pay: BarclaysUS.com Barclays US App 866-379-6939 1 PAYMENT DUE BY Statement Balance as of 06/05/24: (account ending 4084) $12,243.89 Minimum Payment Due: (includes $2,674.87 past due amount) $3,103.23 Payment Due Date: 07/02/24 Amount Enclosed: $______ Make check payable to Barclays. Allow 7-10 days for USPS delivery. Barclays PO BOX 60517 CITY OF INDUSTRY CA 91716-0517 Important Information Information About Credit Bureau Reporting: We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. Annual Fee. If your account has an annual fee, it will be billed each year. We will give you advance notice on your billing statement prior to the assessment of the annual fee. You may choose to call us at 866-370-6939 within 45 days of receiving such notice to discuss alternative products that may be available or to close your account so that the fee will not be billed. If your account is closed, any outstanding reward points or miles on your account may be forfeited at that time. Payment of the annual fee does not affect our ability to close your account and/or to limit your transactions. Lost or Stolen Card: Your credit card is issued by Barclays Bank Delaware. If your card is lost or stolen, please contact us immediately at 866-370-6939 at any time. Payment Information: Each billing cycle, you must pay at least the Minimum Payment Due shown on your monthly statement by its Payment Due Date. Both the Minimum Payment Due and Payment Due Date are noted on your statement and on your homepage when you log into BarclaysUS.com. At any time you may pay more than the Minimum Payment Due up to the full amount you owe us, however you cannot "pay ahead". This means that if you pay more than the required Minimum Payment Due in any billing cycle or if you make more than one payment in a billing cycle, you will still need to pay the next month's required Minimum Payment Due by your next Payment Due Date. Remember to make all checks payable to Barclays. Please allow 7 to 10 days for the U.S. Postal Service to deliver your payment to us. Upon our receipt, you available credit may not be increased by the payment amount for up to 7 days to ensure the funds from the bank on which your payment is drawn are collected and not returned. When you provide a check as payment on this Account, you authorize us to either use the 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 a one-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. For inquiries please call 866-370-6939. Mailed Payments: A conforming payment received by us by 5:00 p.m. PT will be credited to your account the day of receipt. A "conforming payment" is a payment that: 1) is mailed with the payment coupon included with this statement or printed from BarclaysUS.com to Barclays, P.O. Box 60517, City of Industry, CA 91716-0517 and 2) is in the form of a single, non-folded check or money order made payable in U.S. dollars from a U.S. based institution. Any payment that does not meet these requirements or any payment with multiple checks or money orders, additional correspondence, staples, paperclips etc. will be considered a "non-conforming payment", which may delay the crediting of the payment for up to 5 days. Other Payment Options: Web: Visit BarclaysUS.com to set up your payments. Mobile: To download the Barclays US App, text MOBILE to 60996. Phone: Call us at 866-370-6939 and we will process your payment. All payments made via web, mobile app or pay by phone by 11:59 p.m. ET will be credited to your account that same day. Overnight Payments: Send overnight courier service or U.S.P.S. Priority Mail payments to RELITT CO Card Services, Lock Box 60517, 2525 Corporate Park Suite 250, Monterey Park, CA 91754. A payment received at this address by 5 p.m. PT that otherwise meets the requirements of a conforming payment will be credited to your account that same day. How We Will Calculate Interest. We use a method called "daily balance" (including new purchases). We calculate interest separately for each "Balance Subject to Interest Rate." These include for example, Purchases at the current rate, Balance Transfers at the current rate, Cash Advances at the current rate and different promotional balances. Your monthly billing statements shows each "Balance Subject to Interest Rate." To calculate interest, we first calculate a daily balance for each Balance Subject to Interest Rate. We start with the balance for that Balance Subject to Interest Rate, as of the end of the previous day. We add any interest calculated on the previous day's balance. (This means interest is compounded daily.) We add any new Purchases, Balance Transfers or Cash Advances to the appropriate balance, subtract any new payments or credits from the appropriate balance, and make other adjustments. A credit balance is treated as a balance of zero. We then multiply each daily balance by the applicable daily periodic rate. We do this for each day in the billing period. That gives us the daily interest. We add up all the daily interest for all of the daily balances to get the total interest for the billing period. Accrual of Interest and How to Avoid Paying Interest on Purchases. Your due date is at least 23 days after the close of each billing cycle. On Purchases interest begins to accrue as of the transaction date. However, you can avoid paying interest if you pay your Purchases subject to interest (excluding Easy Pay Offers) plus any monthly Easy Pay Payment Amount in full by the Payment Due Date every month. If you do not pay your Purchases subject to interest (excluding Easy Pay Offers) plus any monthly Easy Pay Payment Amount by the due date each month you will pay interest on those purchases from the date they are posted to your account until the date you pay those Purchases in full. When those Purchases (excluding Easy Pay Offers) are paid in full, your next statement will include interest accrued from the first day of that statement period until the date your payment in full was received. Purchases that are enrolled in an Easy Pay Offer will be charged interest in accordance with the plan as disclosed at enrollment. If you have Purchase balances with a 0% promotional APR you can avoid paying interest on those Purchase balances during the promotional period. (However, to avoid a late fee, pay at last your Minimum Payment Due.) Continued on Page 4 Change of address, name, phone, or email? - Update this information by visiting our website on the back of your card. - Telephone us by calling the number on the back of your card. Please do not include any written communication in this space. Bluegreen Rewards® World Mastercard® Statement LISA OFEERY |Account Ending 4084 | Statement Period 05/06/24 - 06/05/24 Page 3 of 5 Transactions <table> <tr><th>Transaction Date</th><th>Posting Date</th><th>Description</th><th>Rewards</th><th>Amount</th></tr> <tr><td colspan="4">Payments</td></tr> <tr><td colspan="4">No Payment Received</td><td>$0.00</td></tr> <tr><td colspan="4">Total payments for this period</td><td>N/A $0.00</td></tr> <tr><td colspan="4">Purchase Activity for LISA OFEERY card ending 4084<br>No Transaction Activity at This Time</td><td>$0.00</td></tr> <tr><td colspan="4">Total purchase activity for this period</td><td>N/A $0.00</td></tr> <tr><td colspan="5">To see activity after this statement period, visit BarclaysUS.com</td></tr> </table> Fees and Interest <table> <tr><th>Transaction Date</th><th>Posting Date</th><th>Description</th><th>Amount</th></tr> <tr><td colspan="4">Fees Charged</td></tr> <tr><td>Jun 02</td><td>Jun 02</td><td>LATE PAYMENT FEE</td><td>$40.00</td></tr> <tr><td colspan="4">Total fees for this period</td><td>$40.00</td></tr> <tr><td colspan="4">Interest Charged</td></tr> <tr><td>Jun 05</td><td>Jun 05</td><td>Interest Charge On Purchases</td><td>$235.02</td></tr> <tr><td>Jun 05</td><td>Jun 05</td><td>Interest Charge On Balance Transfers</td><td>$34.00</td></tr> <tr><td colspan="4">Total interest for this period</td><td>$269.02</td></tr> </table> 2024 Year-to-Date Totals <table> <tr><th>Total fees charged in 2024</th><td>$240.00</td></tr> <tr><th>Total interest charged in 2024</th><td>$1,492.07</td></tr> </table> This Year-to-date summary reflects the Fees and Interest charged on billing statements with closing dates in 2024, and does not reflect any subsequent fee and/or interest adjustments. Interest Charge Calculation <table> <tr><th>Type of Balance</th><th>Promotional Rate End Date</th><th>Balance Subject to Interest Rate</th><th>Annual Percentage Rate (APR)</th><th>Days in Billing Cycle: 31</th><th>Interest Charge</th></tr> <tr><td>Purchases</td><td></td><td>$10,544.20</td><td>26.24%(v)</td><td></td><td>$235.02</td></tr> <tr><td>Balance Transfers</td><td></td><td>$1,525.47</td><td>26.24%(v)</td><td></td><td>$34.00</td></tr> <tr><td>Cash Advances</td><td></td><td>$0.00</td><td>29.99%(v)</td><td></td><td>$0.00</td></tr> <tr><td>Total</td><td></td><td></td><td></td><td></td><td>$269.02</td></tr> </table> Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate that varies with the market based on the Prime Rate. See the "Important Information" section of this statement for more information about how we calculate interest. If you have a 0% promotional APR offer(s) on your Account, you can avoid paying interest on Purchases subject to interest without paying your Statement Balance in full. If this applies to your Account, you will see a Paragraph entitled “Avoiding Interest on Purchases (Grace Period) (Excluding Easy Pay Promotional Balances)” appearing directly below the Interest Charge Calculation section on the front of this Statement. This will show the amount you can pay by the Payment Due Date and still avoid interest charges on your Purchases subject to interest balance. This amount may differ from your Statement Balance. It may differ if you have certain promotional APR balances, and the nonpayment of these balances will not affect your grace period on Purchases, provided you pay all other balances on your account. However, to avoid a late fee, pay at least your Minimum Payment Due. For Balance Transfers, interest will accrue from the transaction date which generally will be the day the payee accepts the Check. For Cash Advances interest will accrue from the transaction date which generally will be the day you take the Cash Advance. Please note that purchases of Cash Equivalents, which include money orders, traveler’s checks, foreign currency, lottery tickets, gambling chips and wire transfers, are treated as Cash Advances and do not have a grace period. See your Cardmember Agreement for more information. Minimum Interest Charge: This fee, if imposed, appears in the Summary of Fees as a “Minimum Interest Charge” or “Minimum Charge.” No Pre-Set Spending Limit: “No Pre-Set Spending Limit” does not mean unlimited spending. It means we may permit you from time to time at our discretion to make certain charges that will cause your outstanding balance to exceed your revolving credit line. Any such charge will be considered on an individual basis and such evaluation will be based on your accounts spending and payment history as well as your experience with other creditors. If you exceed your revolving credit line, then you must pay, with your Minimum Payment Due, the amount by which your balance exceeds your revolving credit line, including amounts due to Purchases, Cash Advances, Interest charges, fees, or other charges. Credit Bureau Disputes: If you believe that an entry we have made on your credit bureau report is inaccurate or incomplete, please contact the reporting agency directly or contact us at Card Services, P.O. Box 8803 Wilmington DE 19899-8801. Please include your name, your account number, the credit reporting agency where you received the bureau report, a description of the error, and why you believe it is an error. We will promptly investigate, notify you of our findings, and send an update to the credit bureau if warranted within 30 days. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Card Services P.O. Box 8802 Wilmington DE 19899-8802. In your letter give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your bill describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error the following are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We cannot apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Card Services P.O. Box 8802 Wilmington DE 19899-8802. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. Please refer to your Cardmember Agreement for additional information about the terms of your Account. ©2024 Barclays Bank Delaware member FDIC Bluegreen Rewards® World Mastercard® Statement LISA OFEERY |Account Ending 4084 | Statement Period 05/06/24 - 06/05/24 Page 5 of 5 Avoiding Interest on Purchases (Grace Period) (Excluding Easy Pay Promotional Balances): If you have a 0% promotional APR on any of your Purchase balances (excluding Easy Pay), you can avoid paying interest on those balances during the applicable promotional period. However, pay at least your Minimum Payment Due to avoid a late fee. If you do not carry a Purchase balance subject to interest (excluding Easy Pay) from month to month, you can avoid paying interest on your Purchases (excluding Easy Pay) by paying $12,243.89. To avoid interest, you must pay the amount indicated above in full. If you carry a Purchase balance subject to interest (excluding Easy Pay) from month to month, interest will accrue from the date the purchase is made until the date it is paid in full. The amount shown above does not include any interest that may have accrued since your statement period end date. Barclays may choose not to assess interest that accrued since your last statement period end date if it is below a certain amount. Rewards earned on bluegreen purchases 0 Please note, the total number of Rewards earned and sent to bluegreen is dependent on a valid member number. Please confirm you have a valid member number on file with bluegreen. If not, Rewards may not be viewable or available for use with bluegreen. ACCOUNT TRAN_CODE REFERENCEE AMOUNT TRAN_DATE 5240492000254084 PMT FREEDOM DEBT Q000DMC -35 2025-01-31 Bluegreen Rewards® World Mastercard® Statement LISA OFEERY | Account Ending 4084 | Statement Period 10/06/23 - 11/05/23 Page 1 of 5 Account Activity Previous Balance as of 10/06/23 $10,344.32 Payments - Thank You $328.12 Fees Charged + $0.00 Interest Charged + $232.13 Statement Balance as of 11/05/23 = $10,248.33 • APR Details begin on page 3 in the Interest Charge Calculation section. • Transaction details begin on page 3. Credit Line Total Revolving Credit Line $10,350.00 Includes $2,070.00 cash advance line Available Revolving Credit Line as of 11/05/23 $101.67 Available for cash advances $101.67 Rewards Summary Total Rewards Sent to bluegreen 0 • For details see page 5 Payment Information Statement Balance: $10,248.33 Minimum Payment Due: $332.29 Payment Due Date: 12/02/23 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $40.00. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: <table> <tr> <th>If you make no additional charges using this card and each month you pay... </th> <th>You will pay off the balance shown on this statement in about...</th> <th>And you will end up paying an estimated total of...</th> </tr> <tr> <td>Only the minimum payment</td> <td>25 years</td> <td>$31,275.00</td> </tr> <tr> <td>$414.00</td> <td>3 years</td> <td>$14,904.00<br>(Savings = $16,371.00)</td> </tr> </table> * If you would like information about credit counseling services, please call 800-570-1403. Repayment information based on activity and APRs on your account as of the closing date. SEE INSIDE: You may have additional important messages inside. NOTICE: SEE REVERSE SIDE OR END OF STATEMENT FOR IMPORTANT INFORMATION Payment Coupon Ways to pay: Barclays US.com Barclays Mobile App 866-370-6933 11 PAYMENT DUE BY Statement Balance as of 11/05/23 (account ending 4084) $10,248.33 Minimum Payment Due: $332.29 Payment Due Date: 12/02/23 Amount Enclosed: $ Make check payable to Barclays. Allow 7-10 days for USPS delivery. Barclays PO BOX 60517 CITY OF INDUSTRY CA 91716-0517 Important Information Information About Credit Bureau Reporting: We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. Annual Fee: If your account has an annual fee, it will be billed each year. We will give you advance notice on your billing statement prior to the assessment of the annual fee. You may choose to call us at 866-370-6939 within 45 days of receiving such notice to discuss alternative products that may be available or to close your account so that the fee will not be billed. If your account is closed, any outstanding reward points or miles on your account may be forfeited at that time. Payment of the annual fee does not affect our ability to close your account and/or to limit your transactions. Lost or Stolen Card: Your credit card is issued by Barclays Bank Delaware. If your card is lost or stolen, please contact us immediately at 866-370-6939 at any time. Payment Information: Each billing cycle, you must pay at least the Minimum Payment Due shown on your monthly statement by its Payment Due Date. Both the Minimum Payment Due and Payment Due Date are noted on your statement and on your home page when you log in to BarclaysUS.com. At any time you may pay more than the Minimum Payment Due up to the full amount you owe us, however you cannot "pay ahead". This means that if you pay more than the required Minimum Payment Due in any billing cycle or if you make more than one payment in a billing cycle, you will still need to pay the next month's required Minimum Payment Due by your next Payment Due Date. Remember to make all checks payable to Barclays. Please allow 7 to 10 days for the U.S. Postal Service to deliver your payment to us. Upon receipt, your available credit may not be increased by the payment amount for up to 7 days to ensure the funds from the bank on which your payment is drawn are collected and not returned. When you provide a check as payment on this Account, you authorize us to either use the 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. For inquiries, please call 866-370-6939. Mailed Payments: A conforming payment received by us by 5:00 p.m. PT will be credited to your account the day of receipt. A "conforming payment" is a payment that: 1) is mailed with the payment coupon included with this statement or printed from BarclaysUS.com to Barclays, P.O. Box 60517, City of Industry, CA 91716-0517; and 2) is in the form of a single, non-folded check or money order made payable in U.S. dollars from a U.S. based institution. Any payment that does not meet these requirements or any payment with multiple checks or money orders, additional correspondence, staples, paperclips, etc., will be considered a "non-conforming payment", which may delay the crediting of the payment for up to 5 days. Other Payment Options: Web: Visit BarclaysUS.com to set up your payments. Mobile: To download the Barclays Mobile App text MOBILE to 60956.* Phone: Call us at 866-370-6939 and we will process your payment. All payments made via web mobile app or pay by phone by 11:59 p.m. PT will be credited to your account that same day. *Message and data rates may apply based on your mobile carrier. Overnight Payments: Send overnight courier service or U.S.P.S. Priority Mail payments to RFCF CO. Card Services, Lock Box 60517, 2525 Corporate Park Suite 250, Monterey Park, CA. 91754. A payment received at this address by 5 p.m. PT that otherwise meets the requirements of a conforming payment will be credited to your account that same day. How We Will Calculate Interest. We use a method called "daily balance" (including new purchases). We calculate interest separately for each "Balance Subject to Interest Rate." These include for example, Purchases at the current rate, Balance Transfers at the current rate, Cash Advances at the current rate, and different promotional balances. Your monthly billing statement shows each "Balance Subject to Interest Rate." To calculate interest, we first calculate a daily balance for each Balance Subject to Interest Rate. We start with the balance for that Balance Subject to Interest Rate, as of the end of the previous day. We add any interest calculated on the previous day's balance. (This means interest is compounded daily.) We add any new Purchases, Balance Transfers or Cash Advances to the appropriate balance, subtract any new payments or credits from the appropriate balance, and make other adjustments. A credit balance is treated as a balance of zero. We then multiply each daily balance by the applicable daily periodic rate. We do this for each day in the billing period. That gives us the daily interest. We add up all the daily interest for all of the daily balances to get the total interest for the billing period. Accrual of Interest and How to Avoid Paying Interest on Purchases. Your due date is at least 23 days after the close of each billing cycle. On Purchases, interest begins to accrue as of the transaction date. However you can avoid paying interest if you pay your Purchases subject to interest excluding Easy Pay Offers plus any monthly Easy Pay Payment Amount in full by the Payment Due Date every month. If you do not pay your Purchases subject to interest (excluding Easy Pay Offers) plus any monthly Easy Pay Payment Amount by the due date each month, you will pay interest on those Purchases from the date they are posted to your account until the date you pay those Purchases in full. When those Purchases (excluding Easy Pay Offers) are paid in full, your next statement will include interest accrued from the first day of that statement period until the date your payment in full was received. Purchases that are enrolled in an Easy Pay Offer will be charged interest in accordance with the plan as disclosed at enrollment. If you have Purchase balances with a 0% promotional APR, you can avoid paying interest on those Purchase balances during the promotional period. However, to avoid a late fee, pay Continued on Page 4 Change of address, name, phone, or email? – Update this information by visiting our website on the back of your card. – Telephone us by calling the number on the back of your card. Please do not include any written communication in this space. Transactions Transaction Date Posting Date Description Rewards Amount Payments Nov 02 Nov 02 Payment Received BANCFIRST N/A -$328.12 Total payments for this period N/A -$328.12 Purchase Activity for LISA OFEERY card ending 4084 No Transaction Activity at This Time $0.00 Total purchase activity for this period N/A $0.00 To see activity after this statement period, visit BarclaysUS.com Fees and Interest Transaction Date Posting Date Description Amount Fees Charged No fees charged for this period $0.00 Total fees for this period $0.00 Interest Charged Nov 05 Nov 05 Interest Charge On Purchases $202.40 Nov 05 Nov 05 Interest Charge On Balance Transfers $29.73 Total interest for this period $232.13 2023 Year-to-Date Totals Total fees charged in 2023 $69.00 Total interest charged in 2023 $2,596.09 This Year-to-date summary reflects the Fees and interest charged on billing statements with closing dates in 2023, and does not reflect any subsequent fee and/or interest adjustments. Interest Charge Calculation <table> <tr> <th>Type of Balance</th> <th>Promotional Rate End Date</th> <th>Balance Subject to Interest Rate</th> <th>Annual Percentage Rate (APR)</th> <th>Days in Billing Cycle: 31</th> <th>Interest Charge</th> </tr> <tr> <td>Purchases</td> <td></td> <td>$9,080.55</td> <td>26.24%(v)</td> <td></td> <td>$202.40</td> </tr> <tr> <td>Balance Transfers</td> <td></td> <td>$1,333.74</td> <td>26.24%(v)</td> <td></td> <td>$29.73</td> </tr> <tr> <td>Cash Advances</td> <td></td> <td>$0.00</td> <td>29.99%(v)</td> <td></td> <td>$0.00</td> </tr> <tr> <td>Total</td> <td></td> <td></td> <td></td> <td></td> <td>$232.13</td> </tr> </table> (1) Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate that varies with the market based on the Prime Rate. See the "Important Information" section of this statement for more information about how we calculate interest. at least your Minimum Payment Due.) If you have a 0% promotional APR offer(s) on your Account, you can avoid paying interest on Purchases subject to interest without paying your Statement Balance in full. If this applies to your Account, you will see a Paragraph entitled "Avoiding Interest on Purchases (Grace Period) (Excluding Easy Pay Promotional Balances)" appearing directly below the Interest Charge Calculation section on the front of this Statement. This will show the amount you can pay by the Payment Due Date and still avoid interest charges on your Purchases subject to interest balance. This amount may differ from your Statement Balance. It may differ if you have certain promotional APR balances and the nonpayment of these balances will not affect your grace period on Purchases provided you pay all other balances on your account. (However, to avoid a late fee, pay at least your Minimum Payment Due.) For Balance Transfers, interest will accrue from the transaction date which generally will be the day the payee accepts the Check for Cash Advances. interest will accrue from the transaction date when generally will be the day you take the Cash Advance. Please note that purchases of Cash Equivalents, which include money orders, traveler's checks, foreign currency lottery tickets, gambling chips and wire transfers are treated as Cash Advances and do not have a grace period. See your Cardmember Agreement for more information. Minimum Interest Charge: This fee, if imposed, appears in the Summary of Fees as a "Minimum Interest Charge" or "Minimum Charge." No Pre-Set Spending Limit: "No Pre-Set Spending Limit" does not mean unlimited spending; it means we may permit you from time to time at our discretion to make certain charges that will cause your outstanding balance to exceed your revolving credit line. Any such charge will be considered on an individual basis and such evaluation will be based on your account spending and payment history as well as your experience with other creditors. If you exceed your revolving credit line, then you must pay with your Minimum Payment Due, the amount by which your balance exceeds your revolving credit line, including amounts due to Purchases, Cash Advances, Interest charges, Fees or other charges. Credit Bureau Disputes: If you believe that an entry we have made on your credit bureau report is inaccurate or incomplete, please contact the reporting agency directly or contact us at Card Services, P.O. Box 8803 Wilmington, DE 19899-8801. Please include your name, your account number, the credit reporting agency where you received the bureau report, a description of the error, and why you believe it is an error. We will promptly investigate, notify you of our findings, and send an update to the credit bureaus if warranted within 30 days. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Card Services P.O. Box 8802 Wilmington, DE 19899-8802. In your letter give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error the following are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant you may have the right not to pay the remaining amount due on the purchase. To use this right all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Card Services P.O. Box 8802 Wilmington, DE 19899-8802. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. Please refer to your Cardmember Agreement for additional information about the terms of your Account. *2023 Barclays Bank Delaware, member FDIC • Bluegreen Rewards® World Mastercard® Statement LISA OFEERY | Account Ending 4084 | Statement Period 10/06/23 - 11/05/23 Page 5 of 5 Avoiding Interest on Purchases (Grace Period) (Excluding Easy Pay Promotional Balances): If you have a 0% promotional APR on any of your Purchase balances (excluding Easy Pay), you can avoid paying interest on those balances during the applicable promotional period. However, pay at least your Minimum Payment Due to avoid a late fee. If you do not carry a Purchase balance subject to interest (excluding Easy Pay) from month to month, you can avoid paying interest on your Purchases (excluding Easy Pay) by paying $10,248.33. To avoid interest, you must pay the amount indicated above in full. If you carry a Purchase balance subject to interest (excluding Easy Pay) from month to month, interest will accrue from the date the purchase is made until the date it is paid in full. The amount shown above does not include any interest that may have accrued since your statement period end date. Barclays may choose not to assess interest that accrued since your last statement period end date if it is below a certain amount. Rewards earned on bluegreen purchases Please note, the total number of Rewards earned and sent to bluegreen is dependent on a valid member number. Please confirm you have a valid member number on file with bluegreen. If not, Rewards may not be viewable or available for use with bluegreen. Make Your Vacations Even More Rewarding Earn Double Rewards on Bluegreen vacation ownership purchases, maintenance fees and timeshare upgrades Earn More Rewards – 1 Reward for every $1 spent on all other purchases See Reward Rules for more details EXHIBIT B BILL OF SALE Barclays Bank Delaware ("Seller"), for value received and pursuant to the terms and conditions of the Bulk Debt Sale Agreement (the "Agreement") dated August 28, 2024 between Seller and Portfolio Recovery Associates, LLC ("Purchaser"), hereby assigns, conveys, grants and delivers to Purchaser, effective as of the Closing Date of August 29, 2024, all rights title and interest of Seller in and to those certain evidences of debt ("Accounts") described on computer files furnished by Seller to Purchaser with a current balance totaling [REDACTED]. Amounts due to Seller by Purchaser in U.S. Dollars by a wire transfer to be received by Seller on Closing Date by 5:00 p.m. to the Federal Reserve Account after confirming the Bill of Sale. Accounts: All Barclays Accounts included on the data file, named ffs_202408_finl, provided to Purchaser by Seller on the Cut-off Date and incorporated herein by reference. This Bill of Sale is executed without recourse except as stated in the Agreement. No other representation or warranty of title or enforceability is expressed or implied. SELLER: Barclays Bank Delaware 125 S. West Street, Wilmington, Delaware 19801 By: [Signature] Title: Director, Collections and Recovery PURCHASER: Portfolio Recovery Associates, LLC 120 Corporate Boulevard Norfolk, VA 23502 By: [Signature] Title: Authorized Signer EXHIBIT I AFFIDAVIT OF SALE OF ACCOUNT State of Delaware County of New Castle Christopher Rathsack, being duly sworn, deposes and says: I am the Director, Collections and Recovery Strategy of Barclays Bank Delaware ("Barclays") located at 125 S West St, Wilmington, DE 19801. I am authorized to make the statements and representations herein and I am over 18 years of age. In this position, I have access to the creditor's books and records and am aware of the process of the sale of accounts and electronic storage of business records. On or about 8/29/2024, Barclays sold a pool of charged-off accounts (the Accounts) by a Forward Flow Purchase Agreement and a Bill of Sale to Portfolio Recovery Associates, LLC. As part of the sale of the Accounts, certain electronic records were transferred on individual accounts to the debt buyer. These records were kept in the ordinary course of business of creditor. I am not aware of any errors in the information provided about the Accounts. The above statements are true to the best of my knowledge. Signed this 30th day of October, 2024. Sworn before me this 30th day of October, 2024. Name of Signer Notary Public My Commission Expires: 11/16/26 CERTIFICATE OF CONFORMITY STATE OF Delaware COUNTY OF New Castle The undersigned does hereby certify that he/she is an attorney at law duly admitted to practice in the State of Delaware________________________and is a resident of New Castle County, in the State of Delaware________________________; that he/she is a person duly qualified to make this certificate of conformity pursuant to the laws of the State of Delaware_______________; that the foregoing acknowledgment by Christopher Rathsack named in the foregoing instrument taken before Mike Noonan, a Notary in the State of Delaware______ ______, was taken in the manner prescribed by such laws of the State of Delaware_______________, being the State in which it was taken; and that it duly conforms with such laws and is in all respects valid and effective in such state. Date Attorney at Law ASSIGNMENT AND ASSUMPTION AGREEMENT This ASSIGNMENT AND ASSUMPTION AGREEMENT (the “Assignment and Assumption Agreement”), dated March 18, 2016, and effective as of the Cut-off Time is by and among American Express Bank, FSB, a federal savings bank chartered under the laws of the United States (“FSB”), American Express Receivables Financing Corporation IV LLC, a Delaware limited liability company (“RFC” and together with FSB, “Sellers”) and Barclays Bank Delaware, a Delaware chartered nonmember bank (“Purchaser”). Capitalized terms used, but not otherwise defined, herein shall have the meanings given to such terms in the Agreement (as defined below). WHEREAS, Purchaser, FSB and RFC are parties to the Purchase and Sale Agreement, dated October 26, 2015 (as it may be amended, modified or supplemented from time to time in accordance with its terms, the “Agreement”); and WHEREAS, pursuant to Section 3.1(b)(1) of the Agreement, the parties desire to execute and deliver this Assignment and Assumption Agreement. NOW, THEREFORE, in consideration of the promises and the mutual agreements and covenants contained herein and in the Agreement, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto hereby agree as follows: a. Seller hereby irrevocably and unconditionally sell, convey and assign to Purchaser, its successors and assigns, the Acquired Assets, and Purchaser hereby expressly accepts the sale, conveyance and assignment of the Acquired Assets and assumes the Assumed Liabilities (including the obligation to pay, discharge and perform as and when due the Assumed Liabilities). b. This Assignment and Assumption Agreement is intended to evidence the consummation of certain transactions contemplated by the Agreement. The assignment and assumption of the Acquired Assets and the Assumed Liabilities set forth herein are required pursuant to the terms of the Agreement, and are not intended (nor shall they be construed) to defeat, limit, alter, impair, enhance or enlarge, the assignments and assumptions through operation of Applicable Law which are effected under the Agreement at the Cut-off Time. Without prejudice to any representation or warranty contained in the Agreement, this Assignment and Assumption Agreement is made without any representation or warranty. c. Nothing in this Assignment and Assumption Agreement shall be deemed to constitute an agreement to assign or transfer to Purchaser any Acquired Asset or Assumed Liability prior to the Cut-off Time. d. This Assignment and Assumption Agreement is given pursuant to the provisions of the Agreement and the assignment and assumption of the Acquired Assets and Assumed Liabilities hereunder is made subject to the terms and conditions of the Agreement and shall be construed consistently therewith. Nothing in this Assignment and Assumption Agreement, express or implied, is intended to or shall be construed to supersede, modify, replace, amend, rescind, waive, expand or limit in any way the rights of the parties under, or the terms of, the Agreement. In the event that any provision of this Assignment and Assumption Agreement is construed to conflict with a provision in the Agreement, the parties agree that the provision in the Agreement shall be controlling. e. Section 1.2, Section 1.3 and Article X of the Agreement are incorporated mutatis mutandis into this Assignment and Assumption Agreement. [Signatures Appear on the Following Page] IN WITNESS WHEREOF, the undersigned have executed this Assignment and Assumption Agreement as of the date first set forth above. American Express Bank, FSB By: ________________________________ Name: Douglas Tabun Title: President & CO., FSB American Express Receivables Financing Corporation IV LLC By: __________________________________ Name: Title: Barclays Bank Delaware By: __________________________________ Name: Title: IN WITNESS WHEREOF, the undersigned have executed this Assignment and Assumption Agreement as of the date first set forth above. American Express Bank, FSB By: ______________________________________ Name: Title: American Express Receivables Financing Corporation IV LLC By: ____________________________ Name: DEMIC ROBERTS Title: President Barclays Bank Delaware By: ______________________________________ Name: Title: IN WITNESS WHEREOF, the undersigned have executed this Assignment and Assumption Agreement as of the date first set forth above. American Express Bank, FSB By: ________________________________ Name: Title: American Express Receivables Financing Corporation IV LLC By: ________________________________ Name: Title: Barclays Bank Delaware By: ________________________________ Name: Curt Hess Title: Chief Executive Officer BILL OF SALE AND ASSIGNMENT AND ASSUMPTION AGREEMENT THIS BILL OF SALE AND ASSIGNMENT AND ASSUMPTION AGREEMENT (this “Bill of Sale”) is made as of this 17th day of September, 2021, by and between JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, a national banking association, having an office at 201 North Walnut Street, Wilmington, Delaware 19801 (“Seller”), and Barclays Bank Delaware, a state chartered bank having an office at 125 South West Street, Wilmington, Delaware 19801 (“Buyer”). Unless otherwise expressly defined herein, capitalized terms used in this Bill of Sale shall have the meanings specified in the Purchase and Sale Agreement dated as of September 9, 2020 by and between Seller and Buyer (the “Purchase and Sale Agreement”). WHEREAS, subject to the terms and conditions of the Purchase and Sale Agreement, Seller has agreed to sell and transfer, and Buyer has agreed to purchase and assume the Assets and the Assumed Liabilities. NOW, THEREFORE, for good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the parties hereto agree as follows: 1. Assets. On the terms and subject to the conditions of the Purchase and Sale Agreement, Seller does, effective as of the Closing Date, hereby irrevocably and unconditionally sell, convey, transfer, assign and deliver to Buyer and its successors and permitted assigns all of Seller’s right, title and interest in and to the Assets, free and clear of any Liens, and Buyer does hereby accept the sale, conveyance, transfer, assignment and delivery of the Assets. 2. Further Assurances. On or after the date hereof, Seller shall, to the extent of its obligations under the Purchase and Sale Agreement, at Buyer’s reasonable request and without further cost or expense to Buyer, prepare, execute and deliver to Buyer such other instruments of conveyance and transfer and take such other action as Buyer may reasonably request to effectuate the terms of this Agreement. 3. Excluded Assets. Except as expressly provided in the Purchase and Sale Agreement, this Bill of Sale does not sell, convey, transfer or assign to Buyer any right, title or interest of Seller in, to or under any other assets. 4. Assumed Liabilities. On the terms and subject to the conditions of the Purchase and Sale Agreement, Buyer does, effective as of the Closing Date, hereby assume, and agree to perform and discharge all of the Assumed Liabilities. 5. Power of Attorney. Seller hereby reaffirms the power of attorney granted to Buyer by the Purchase and Sale Agreement. 6. Excluded Liabilities. This Bill of Sale does not convey, transfer or assign to Buyer, and Buyer does not hereby and shall not otherwise assume or agree to perform or discharge, any of the Excluded Liabilities. 7. Relationship to the Purchase Agreement. This Bill of Sale is intended to evidence the consummation of certain transactions contemplated by the Purchase and Sale Agreement. This Bill of Sale is made without representation or warranty, except as and to the extent provided in the Purchase and Sale Agreement. In the event of any conflict or other difference between the Purchase and Sale Agreement and this Bill of Sale, the provisions of the Purchase and Sale Agreement shall control. 8. Governing Law. This Bill of Sale shall be deemed to be a contract made under the Laws of the State of Delaware without regard to its conflict of laws principles, and for all purposes shall be governed by and construed in accordance with the Laws of said State. 9. Amendment and Waivers. None of the terms or provisions of this Agreement may be waived, altered, modified or amended except by an instrument in writing executed by Seller and Buyer. 10. Successors and Assigns. This Agreement shall inure to the benefit of and be binding upon the respective successors and assigns of Seller and Buyer under the Purchase and Sale Agreement. 11. Third-Party Beneficiaries. This Bill of Sale shall be binding upon and enforceable by, and shall inure to the benefit of, the parties hereto and their respective successors and permitted assigns and no others, and shall not be construed as conferring and is not intended to confer any rights on any other Person. 12. Counterparts. This Bill of Sale may be executed in any number of counterparts and by different parties hereto on separate counterparts, each of which counterparts, when so executed and delivered, shall be deemed to be an original, and all of which counterparts, taken together, shall constitute but one and the same Bill of Sale. Any or all of such counterparts may be delivered by facsimile or electronic transmission. [Signature page follows] IN WITNESS WHEREOF, the parties have caused this Bill of Sale and Assignment and Assumption Agreement to be duly executed by their respective authorized officers as of the date first written above. JPMORGAN CHASE BANK, NATIONAL ASSOCIATION By: ________________________________ Name: David Hoyt Title: Managing Director BARCLAYS BANK DELAWARE By: ________________________________ Name: Title: IN WITNESS WHEREOF, the parties have caused this Bill of Sale and Assignment and Assumption Agreement to be duly executed by their respective authorized officers as of the date first written above. JPMORGAN CHASE BANK, NATIONAL ASSOCIATION By: ________________________________ Name: David Hoyt Title: Managing Director, Corporate Development BARCLAYS BANK DELAWARE By: _______________________________________ Name: Robert Highland Title: Head of US Cards & Partnerships BILL OF SALE AND ASSIGNMENT AND ASSUMPTION AGREEMENT THIS BILL OF SALE AND ASSIGNMENT AND ASSUMPTION AGREEMENT (this “Bill of Sale”) is made as of June 17, 2022, by and among SYNCHRONY BANK, federal savings bank located in Utah (“Seller”), SYNCHRONY FINANCIAL, a Delaware corporation (“SYF”; and together with Seller, the “Sellers”) and BARCLAYS BANK DELAWARE, a Delaware state-chartered bank (“Buyer”). Unless otherwise expressly defined herein, capitalized terms used in this Bill of Sale shall have the meanings specified in the Purchase and Sale Agreement dated as of August 26, 2021 by and between Seller and Buyer (the “Purchase and Sale Agreement”). WHEREAS, subject to the terms and conditions of the Purchase and Sale Agreement, Seller has agreed to sell and transfer (or cause to be sold and transferred), and Buyer has agreed to purchase and assume the Purchased Assets and the Assumed Liabilities. NOW, THEREFORE, for good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the parties hereto agree as follows: 1. Purchased Assets. On the terms and subject to the conditions of the Purchase and Sale Agreement, Sellers do, effective as of the Closing Date, hereby irrevocably and unconditionally sell, convey, transfer, assign and deliver to Buyer and its successors and permitted assigns, and Buyer does hereby purchase, acquire, assume and accept, all of Sellers’ right, title and interest in and to the Purchased Assets as provided in the Purchase and Sale Agreement. For the avoidance of doubt, only Sellers, and no Affiliates of Seller or any other Person is conveying assets pursuant to the Purchase and Sale Agreement. 2. Further Assurances. On or after the date hereof, Sellers shall give such further assurances to Buyer, execute, acknowledge and deliver all such acknowledgements and other instruments and take such further action as may be reasonably necessary or appropriate to carry out fully and effectively the transactions contemplated hereby. 3. Excluded Assets. Except as expressly provided in the Purchase and Sale Agreement, this Bill of Sale does not sell, convey, transfer or assign to Buyer any right, title or interest of Sellers in, to or under any other assets. 4. Assumed Liabilities. On the terms and subject to the conditions of the Purchase and Sale Agreement, Buyer does hereby assume, and agree to perform and discharge all of the Assumed Liabilities. 5. Excluded Liabilities. This Bill of Sale does not convey, transfer or assign to Buyer, and Buyer does not hereby and shall not otherwise assume or agree to perform or discharge any of the Excluded Liabilities. 6. Relationship to the Purchase Agreement. This Bill of Sale is intended to evidence the consummation of certain transactions contemplated by the Purchase and Sale Agreement. This Bill of Sale is made without representation or warranty, except as and to the extent provided in the Purchase and Sale Agreement. In the event of any conflict or other difference between the Purchase and Sale Agreement and this Bill of Sale, the provisions of the Purchase and Sale Agreement shall control. 7. Governing Law. This Bill of Sale shall be deemed to be a contract made under the Laws of the State of New York without regard to its conflict of laws principles, and for all purposes shall be governed by and construed in accordance with the laws of said State. 8. Amendment and Waivers. None of the terms or provisions of this Agreement may be waived, altered, modified or amended except by an instrument in writing executed by Sellers and Buyer. 9. Successors and Assigns. This Agreement shall inure to the benefit of and be binding upon the respective successors and assigns of Sellers and Buyer. 10. Third Party Beneficiaries. This Bill of Sale shall be binding upon and enforceable by, and shall inure to the benefit of, the parties hereto and their respective successors and permitted assigns and no others, and shall not be construed as conferring and is not intended to confer any rights on any other Person. 11. Counterparts. This Bill of Sale may be executed in any number of counterparts and by different parties hereto on separate counterparts, each of which counterparts, when so executed and delivered, shall be deemed to be an original, and all of which counterparts, taken together, shall constitute but one and the same Bill of Sale. Any or all of such counterparts may be delivered by facsimile or electronic transmission. [Signature page follows] IN WITNESS WHEREOF, the parties have caused this Bill of Sale and Assignment and Assumption Agreement to be duly executed by their respective authorized officers as of the date first written above. SYNCHRONY BANK By: __________________________ Name: Thomas M Quindlen Title: EVP & CEO DV&L SYNCHRONY FINANCIAL By: __________________________ Name: Thomas M Quindlen Title: EVP & CEO DV&L BARCLAYS BANK DELAWARE By: __________________________ Name: Title: BARCLAYS BANK DELAWARE By: Name: Dennis J. Nealon Title: CEO, Barclays US Consumer Bank [Signature Page to Bill of Sale] BILL OF SALE THIS BILL OF SALE is made and entered into among Barclays Bank Delaware, a Delaware chartered, nonmember commercial bank ("Purchaser"), FIA Card Services, N.A. ("Seller"), and Banc of America Consumer Card Services, LLC, a North Carolina limited liability company ("BAC Card Services") (and together with Seller, the "Selling Parties"), pursuant to the Purchase and Sale Agreement dated May 18, 2012 (the "Purchase Agreement") entered into among Purchaser, BAC Card Services and Seller. Capitalized terms not defined herein shall have the same meaning as defined in the Purchase Agreement. (a) In consideration of the payments made pursuant to the Purchase Agreement and such other good and valuable consideration, the receipt and legal sufficiency of which are hereby acknowledged, the Selling Parties do hereby sell, transfer, convey, assign and deliver, to Purchaser all of their right, title and interest in and to the Acquired Assets free and clear of any Liens. Purchaser hereby accepts the sale, transfer, conveyance and delivery of the Acquired Assets. (b) In consideration of the payments made pursuant to the Purchase Agreement and such other good and valuable consideration, the receipt and legal sufficiency of which are hereby acknowledged, Purchaser hereby irrevocably assumes and agrees to perform and discharge the Assumed Liabilities in accordance with their respective terms. (c) Nothing in this Bill of Sale shall be deemed to modify, limit or amend any of the rights or obligations of Purchaser or Seller under the Purchase Agreement. This Bill of Sale shall inure to the benefit of, and be binding upon, the respective successors and assigns of the Selling Parties and Purchaser and shall be governed by and construed and interpreted in accordance with the Purchase Agreement and the laws of the State of Delaware, without regard to such state's principles of conflicts of laws. (d) The sale, assignment and conveyance of the Acquired Assets and the assumption of the Assumed Liabilities shall be effective as of 12:01 a.m. prevailing eastern time on the date hereof. This Bill of Sale may be executed by facsimile transmission in multiple counterparts, each of which shall be an original, but together shall constitute one and the same instrument. IN WITNESS WHEREOF, each of the Parties, through its authorized officers, has caused this Bill of Sale to be executed in its name this 28th day of June, 2012. FIA CARD SERVICES, N.A. By: ____________________________ Name: _________________________ Title: ___________________________ BARCLAYS BANK DELAWARE By: ____________________________ Name: Clint Son W. Walker Title: Secretary & General Counsel BANC OF AMERICA CONSUMER CARD SERVICES, LLC By: ____________________________ Name: _________________________ Title: ____________________________ BILL OF SALE THIS BILL OF SALE is made and entered into among Barclays Bank Delaware, a Delaware chartered, nonmember commercial bank ("Purchaser"), FIA Card Services, N.A. ("Seller"), and Banc of America Consumer Card Services, LLC, a North Carolina limited liability company ("BAC Card Services") (and together with Seller, the "Selling Parties"), pursuant to the Purchase and Sale Agreement dated May 18, 2012 (the "Purchase Agreement") entered into among Purchaser, BAC Card Services and Seller. Capitalized terms not defined herein shall have the same meaning as defined in the Purchase Agreement. (a) In consideration of the payments made pursuant to the Purchase Agreement and such other good and valuable consideration, the receipt and legal sufficiency of which are hereby acknowledged, the Selling Parties do hereby sell, transfer, convey, assign and deliver, to Purchaser all of their right, title and interest in and to the Acquired Assets free and clear of any Liens. Purchaser hereby accepts the sale, transfer, conveyance and delivery of the Acquired Assets. (b) In consideration of the payments made pursuant to the Purchase Agreement and such other good and valuable consideration, the receipt and legal sufficiency of which are hereby acknowledged, Purchaser hereby irrevocably assumes and agrees to perform and discharge the Assumed Liabilities in accordance with their respective terms. (c) Nothing in this Bill of Sale shall be deemed to modify, limit or amend any of the rights or obligations of Purchaser or Seller under the Purchase Agreement. This Bill of Sale shall inure to the benefit of, and be binding upon, the respective successors and assigns of the Selling Parties and Purchaser and shall be governed by and construed and interpreted in accordance with the Purchase Agreement and the laws of the State of Delaware, without regard to such state's principles of conflicts of laws. (d) The sale, assignment and conveyance of the Acquired Assets and the assumption of the Assumed Liabilities shall be effective as of 12:01 a.m. prevailing eastern time on the date hereof. This Bill of Sale may be executed by facsimile transmission in multiple counterparts, each of which shall be an original, but together shall constitute one and the same instrument. IN WITNESS WHEREOF, each of the Parties, through its authorized officers, has caused this Bill of Sale to be executed in its name this 28th day of June, 2012. FIA CARD SERVICES, N.A. By: ____________________________ Name: Khristian Hawver-Scott Title: SVP BARCLAYS BANK DELAWARE By: ____________________________ Name: _________________________ Title: ___________________________ BANC OF AMERICA CONSUMER CARD SERVICES, LLC By: ____________________________ Name: Jeffery S. Wallace Title: ____________________________ BILL OF SALE THIS BILL OF SALE is made and entered into among Barclays Bank Delaware, a Delaware chartered, nonmember commercial bank ("Purchaser"), FIA Card Services, N.A. ("Seller"), and Banc of America Consumer Card Services, LLC, a North Carolina limited liability company ("BAC Card Services") (and together with Seller, the "Selling Parties"), pursuant to the Purchase and Sale Agreement dated May 18, 2012 (the "Purchase Agreement") entered into among Purchaser, BAC Card Services and Seller. Capitalized terms not defined herein shall have the same meaning as defined in the Purchase Agreement. (a) In consideration of the payments made pursuant to the Purchase Agreement and such other good and valuable consideration, the receipt and legal sufficiency of which are hereby acknowledged, the Selling Parties do hereby sell, transfer, convey, assign and deliver, to Purchaser all of their right, title and interest in and to the Acquired Assets free and clear of any Liens. Purchaser hereby accepts the sale, transfer, conveyance and delivery of the Acquired Assets. (b) In consideration of the payments made pursuant to the Purchase Agreement and such other good and valuable consideration, the receipt and legal sufficiency of which are hereby acknowledged, Purchaser hereby irrevocably assumes and agrees to perform and discharge the Assumed Liabilities in accordance with their respective terms. (c) Nothing in this Bill of Sale shall be deemed to modify, limit or amend any of the rights or obligations of Purchaser or Seller under the Purchase Agreement. This Bill of Sale shall inure to the benefit of, and be binding upon, the respective successors and assigns of the Selling Parties and Purchaser and shall be governed by and construed and interpreted in accordance with the Purchase Agreement and the laws of the State of Delaware, without regard to such state's principles of conflicts of laws. (d) The sale, assignment and conveyance of the Acquired Assets and the assumption of the Assumed Liabilities shall be effective as of 12:01 a.m. prevailing eastern time on the date hereof. This Bill of Sale may be executed by facsimile transmission in multiple counterparts, each of which shall be an original, but together shall constitute one and the same instrument. IN WITNESS WHEREOF, each of the Parties, through its authorized officers, has caused this Bill of Sale to be executed in its name this 23rd day of June, 2012. FIA CARD SERVICES, N.A. By: ________________________________ Name: Christian Hawver-Scott Title: ________________________________ BARCLAYS BANK DELAWARE By: ________________________________ Name: _____________________________ Title: _______________________________ BANC OF AMERICA CONSUMER CARD SERVICES, LLC By: ________________________________ Name: Jefferson S. Wallace Title: SVP Finance Executive DECLARATION OF CUSTODIAN OF RECORDS I, the undersigned Custodian of Records for Portfolio Recovery Associates, LLC, hereby declare, certify, and state as follows: 1. I am competent to testify to the matters contained herein. 2. I am an authorized employee of Portfolio Recovery Associates, LLC, ("Account Assignee") which is doing business at Riverside Commerce Center, 120 Corporate Boulevard, Norfolk, Virginia, and I am authorized to make the statements, representations and averments herein, and do so based upon a review of the business records of the Original Creditor BARCLAYS BANK DELAWARE/BLUEGREEN and those records transferred to Account Assignee from BARCLAYS BANK DELAWARE ("Account Seller"), which have become a part of and have integrated into Account Assignee’s business records, in the ordinary course of business. 3. According to the business records, which are maintained in the ordinary course of business, the account, and all proceeds of the account are now owned by the Account Assignee, all of the Account Seller’s interest in such account having been sold, assigned and transferred by the Account Seller on 8/29/2024. Further, the Account Assignee has been assigned all of the Account Seller’s power and authority to do and perform all acts necessary for the settlement, satisfaction, compromise, collection or adjustment of said account, and the Account Seller has retained no further interest in said account or the proceeds thereof, for any purpose whatsoever. 4. According to the records transferred to the Account Assignee from Account Seller, and maintained in the ordinary course of business by the Account Assignee, there was due and payable from LISA OFEERY ("Debtor and Co-Debtor") to the Account Seller the sum of $12,243.89 with the respect to account number ending in 4084 as of the date of 6/28/2024 with there being no known un-credited payments, counterclaims or offsets against the said debt as of the date of the sale. 5. According to the account records of said Account Assignee, after all known payments, counterclaims, and/or setoffs occurring subsequent to the date of sale, Account Assignee claims the sum of $12,208.89 as due and owing as of the date of this declaration. 6. Plaintiff believes that the defendant is not a minor or an incompetent individual and declares that the Defendant is not on active military service of the United States. 7. I declare under penalty of perjury under the laws of the State of Oklahoma that the foregoing is true and correct. Executed on _______11/13/2025______________ at Norfolk, VA Portfolio Recovery Associates, LLC By: __________ Shayla Fletcher ____________, Custodian of Records