Portfolio Recovery Associates, LLC v. Samantha J Larson

IN THE DISTRICT COURT OF POTTAWATOMIE COUNTY STATE OF OKLAHOMA PORTFOLIO RECOVERY ASSOCIATES, LLC, Plaintiff, vs. SAMANTHA J LARSON Defendant(s). Case No. CS-26-245 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 XXXXXXXXXXXXX1376. 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 6/30/24, the balance due at time of default is as follows $8,358.62. 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 $8,056.62. 7. The date of the last payment made by the Defendant(s) is August 11, 2025. 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), SAMANTHA J LARSON in the amount of $8,056.62, plus all costs herein expended, including but not limited to, court costs, sheriff's fees, and special process server fees, attorney fees; and for such other and further relief as the Court may deem proper in the premises. Dated this January 27, 2026 Nelson and Kennard, LLP By: [signature] Ashton Dewayne Sears, OBA # 35737 12596 W. Bayaud Ave., Ste. 120 Lakewood, CO 80228 Phone: 866-920-2295 [email protected] Attorney for the Plaintiff EXHIBIT 1 SAMANTHA J LARSON Account Number ending in 137 6 PAGE 1 of 3 Synchrony Visit us at lowes.com/eservice or Call: 1-800-568-0156 Payment Information <table> <tr> <th>New Balance:</th> <td>$8,317.62</td> <th>Payments must be received by 5pm ET on<br>06/25/2024 if mailed, or by 11:59pm ET on<br>06/25/2024 for online and phone payments.</th> </tr> <tr> <th>Amount Past Due:</th> <td>$1,539.16</td> <td></td> </tr> <tr> <th>Total Minimum Payment Due:</th> <td>$1,818.02</td> <td></td> </tr> <tr> <th>Overlimit Amount:</th> <td>$137.62</td> <td></td> </tr> <tr> <th>Payment Due Date:</th> <td>06/25/2024</td> <td></td> </tr> </table> Late Payment Warning: If we do not receive your Total Minimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee up to $41.00. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: <table> <tr> <th>If you make no additional charges using this card and each month you pay ...</th> <th>You will pay off the balance shown on this statement in about ...</th> <th>And you will end up paying an estimated total of ...</th> </tr> <tr> <td>Only the minimum payment</td> <td>12 years</td> <td>$14,478.00</td> </tr> </table> If you would like information about credit counseling services, call 1-877-302-8775. Account Summary <table> <tr> <th>Previous Balance as of 05/03/2024</th> <td>$8,148.70</td> <th>Credit Limit<br>Available Credit</th> <td>$8,180<br>$0</td> </tr> <tr> <th>Fees Charged</th> <td>+ 41.00</td> <th></th> <td></td> </tr> <tr> <th>Interest Charges</th> <td>+ 127.92</td> <th></th> <td></td> </tr> <tr> <th>New Balance as of 06/02/2024<br>31 Day Billing Cycle from 05/03/2024 to 06/02/2024</th> <td>$8,317.62</td> <th></th> <td></td> </tr> </table> Forgot Your Card? No Problem. Being a MyLowe's Rewards Credit Card cardholder, you never have to miss out on these exclusive EVERYDAY offers. TEXT LOOKUP TO 84215' Credit cardholders get more. SAVE 5% EVERY DAY with your MyLowe's Rewards Credit Card. Exclusions apply. Months Special Financing** $299 minimum purchase required. Fixed Monthly Payments*** with reduced APR financing $2,000 minimum purchase required. * * * * * Offers subject to credit approval and cannot be combined. Minimum monthly payments required for Special Financing. If your purchase or order is over the minimum required, you will be asked to select the offer you would like. See the MyLowe's Rewards Credit Card Disclosure Document in store or Lowes.com for details. **Standard text message rates apply. © 2024 Lowe's. LOWE'S and the Gable Mansard Design are registered trademarks of LF, LLC. Use blue or black ink, detach & mail with your check. <table> <tr> <th>Amount Past Due</th> <td>$1,539.16</td> <th>Overlimit Amount</th> <td>$137.62</td> </tr> </table> Account Number 137 6 New Balance $8,317.62 Total Minimum Payment Due $1,818.02 Payment Due Date 06/25/2024 Amount Enclosed $ No other correspondence please. Print new address or email changes on back. SAMANTHA J LARSON 42603 STOUT DR TECUMSEH OK 74873-7225 Make LOWE'S/SYNCHRONY BANK Payment PO BOX 669807 to: DALLAS, TX 75266-0759 Customer Service: For account information, call the number on the front of this statement. For Hearing or Speech disabilities, use a TRS. Unless your name is listed on this statement, your access to information on the account may be limited. You may also mail questions (but not payments) to: P.O. Box 17126, Philadelphia, PA 19176-1726. Please include your account number on any correspondence you send to us. Payments: Send payments to the address listed on the remit portion of your account card or online. Notice: See below for your Billing Rights and other important information. Telephoning about billing errors will not preserve your rights under federal law. To preserve your rights, please write to our Billing Inquiries Address, P.O. Box 71725, Philadelphia, PA 19176-1725. Purchases, returns, and payments made just prior to billing date may not appear until next month’s statement. When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. 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 refund from your financial institution. You may choose not to have your payment collected electronically by sending your payment (with the payment stub), in your own envelope – not the enclosed window envelope, addressed to: P.O. Box 71720, Philadelphia, PA 19176-1720 and not the Payment Address. 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 the Billing Inquiries Address of: Synchrony Bank, P.O. Box 71725, Philadelphia, PA 19176-1725 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 an error. 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. • Any 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 billing address, and the purchase price must have been more than $50. (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: Synchrony Bank, P.O. Box 71725, Philadelphia, PA 19176-1725. 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. Information About Payments: You may at any time pay, in whole or in part, the total unpaid balance without any additional charge for prepayment. Payments received after 5:00 p.m. (ET) on any day will be credited as of the next day. Credit to your Account may be delayed up to five days if payment (a) is received at the Billing Inquiries Address, (b) is not made in U.S. dollars drawn on a U.S. financial institution located in the U.S., (c) is not accompanied by the remittance coupon attached to your statement, (d) consists of more than one payment or remittance coupon, or (e) includes staples, paper clips, tape, a folded check, or correspondence of any type. Conditional Payments: All written communications concerning disputed amounts, including any check or other payment instrument that: (i) indicates that the payment constitutes “payment in full” or is tendered as full satisfaction of a disputed amount, or (ii) is tendered with other conditions or limitations (“Disputed Payments”), must be mailed or delivered to us at P.O. Box 71725, Philadelphia, PA 19176-1725. Credits: To Your Account: The amount shown in parentheses or preceded by a minus (-) sign is a credit or credit balance, unless otherwise indicated. Credits will be applied to your previous balance immediately upon receipt, but will not satisfy any required payment that may be due. Credit Reports And Account Information: If you believe that we have reported inaccurate information about you to a consumer reporting agency, please contact us at P.O. Box 71727, Philadelphia, PA 19176-1727. In doing so, please identify the inaccurate information and tell us why you believe it is incorrect. If you have a copy of the credit report that includes the inaccurate information, please include a copy of that report. 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. How We Calculate Interest Charges: Method 2D (Daily Balance Method): We figure the interest charge on your account by applying the periodic rate to the “daily balance” of your account for each day in the billing cycle. We then add the interest to the daily balance. To get the “daily balance” we take the beginning balance of your account each day (which includes unpaid interest), add any new charges, and applicable fees, and subtract any payments or credits. This gives us the daily balance. Any daily balance of less than zero will be treated as zero. A separate daily balance will be calculated for each balance type on your account. The balance(s) shown in the Interest Charges section of this statement is the sum of the daily balances for each day in the billing cycle divided by the number of days in the billing cycle. Method 2M (Average Daily Balance including current transactions): We figure the interest charge on your account by applying the periodic rate to the “average daily balance” of your account. To get the “average daily balance” we take the beginning balance of your account each day, which includes any unpaid interest charges from the previous billing cycle, add any new charges, and applicable fees and subtract any payments or credits. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the “average daily balance,” which is the balance shown in the Interest Charges section of this statement. Any average daily balance of less than zero will be treated as zero. A separate average daily balance will be calculated for each balance type on your account. Method 3D (Daily Balance excluding current transactions): We figure the interest charge on your account by applying the periodic rate to the “daily balance” of your account for each day in the billing cycle. To get the “daily balance” we take the beginning balance of your account each day, add any new charges and applicable fees, and subtract any payments or credits. We do not add in any unpaid interest. This gives us the daily balance. Then we divide the daily balance by the number of days in the billing cycle. This gives us the “average daily balance,” which is the balance shown in the Interest Charges section of this statement. Any average daily balance of less than zero will be treated as zero. A separate average daily balance will be calculated for each balance type on your account. Method 5 (Average Daily Balance excluding current transactions and unpaid interest charges): We figure the interest charge on your account by applying the periodic rate to the “average daily balance” of your account. To get the “average daily balance” we take the beginning balance of your account each day, add any new charges and applicable fees, and subtract any payments or credits. We do not add in any unpaid interest. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the “average daily balance,” which is the balance shown in the Interest Charges section of this statement. Any average daily balance of less than zero will be treated as zero. A separate average daily balance will be calculated for each balance type on your account. Method 6 (Average Daily Balance including current transactions and excluding unpaid interest charges): We figure the interest charge on your account by applying the periodic rate to the “average daily balance” of your account. To get the “average daily balance” we take the beginning balance of your account each day, add any new charges and applicable fees, and subtract any payments, credits and unpaid interest charges from the previous billing cycle. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the “average daily balance” which is the balance shown in the Interest Charges section of this statement. Any average daily balance of less than zero will be treated as zero. A separate average daily balance will be calculated for each balance type on your account. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. Please refer to the due date shown on the front of your statement. Your Account is owned and serviced by Synchrony Bank. Bankruptcy Notice: If you file bankruptcy, you must send us notice, including account number and all information related to the proceeding to the following address: Synchrony Bank, Attm: Bankruptcy Dept., P.O. Box 71783, Philadelphia, PA 19176-1783. This is an attempt to collect a debt and any information obtained will be used for that purpose. *By providing a telephone number on your account, you consent to Synchrony Bank and any other owner or servicer of your account contacting you about your account, including using any contact information or cell phone numbers you provide, and you consent to the use of any automatic telephone dialing system and/or an artificial or prerecorded voice when contacting you, even if you are charged for the call under your phone plan. For changes of address, phone number and/or email, please check the box and print the changes below. Street Address City, State ZIP Phone # Email *Home Phone # *Business Phone # *Cell # or other phone # we can use to contact you **Email Address **By providing your email address, you agree to receive email communications about your account and also give permission for us to share your email address with Lowe's. SAMANTHA J LARSON Account Number ending in 1376 IMPORTANT NOTICE The Lowe’s Advantage Card has become the MyLowe’s Rewards Credit Card as of 5/7/24. © 2024 Lowe’s. LOWE’S and the Gable Mansard Design are registered trademarks of LF, LLC. Account Balance Summary <table> <tr> <th>Balance Type</th> <th>Purchase Date/Amount</th> <th>Previous Balance</th> <th>Payments & Other Credits (-)</th> <th>Purchases, Fees & Other Debits (+)</th> <th>Interest Charged (+)</th> <th>Expired Promotion Balances’ (+/-)</th> <th>New Statement Balance</th> </tr> <tr> <td>Regular</td> <td></td> <td>$4,406.92</td> <td></td> <td>$41.00</td> <td>$102.43</td> <td></td> <td>$4,550.35</td> </tr> <tr> <td>Fixed Pay Reduced Apr 7.99%</td> <td>11/09/2020<br>$3,703.38</td> <td>$2,403.15</td> <td></td> <td></td> <td>$16.37</td> <td></td> <td>$2,419.52</td> </tr> <tr> <td>Fixed Pay Reduced Apr 7.99%</td> <td>11/09/2020<br>$2,062.97</td> <td>$1,338.63</td> <td></td> <td></td> <td>$9.12</td> <td></td> <td>$1,347.75</td> </tr> <tr> <td>Total</td> <td></td> <td>$8,148.70</td> <td></td> <td>$41.00</td> <td>$127.92</td> <td></td> <td>$8,317.62</td> </tr> </table> If you have promotional balances, additional promotional details can be found below in the Promotional Purchase Summary. * Expired promotional balances will display in both the promotional and regular purchases balance row during the month of expiration. Promotional Purchase Summary <table> <tr> <th>Purchase Date</th> <th>Purchase Amount</th> <th>Promotion Type</th> <th>Deferred Interest Charges</th> <th>Billed Interest Charges</th> <th>Payoff Amount</th> <th>Expiration Date</th> </tr> <tr> <td>11/09/2020</td> <td>$3,703.38</td> <td>Fixed Pay Reduced Apr 7.99%</td> <td>$0.00</td> <td>$16.37</td> <td>$2,419.52</td> <td>Until Paid Off</td> </tr> <tr> <td>11/09/2020</td> <td>$2,062.97</td> <td>Fixed Pay Reduced Apr 7.99%</td> <td>$0.00</td> <td>$9.12</td> <td>$1,347.75</td> <td>Until Paid Off</td> </tr> </table> The terms that apply to promotional purchase(s) are as follows: DEFERRED INTEREST: To avoid paying Deferred Interest Charges on a Deferred Interest promotion, you must pay the entire applicable Payoff Amount by the promotion Expiration Date. For each promotion, after a promotion ends or is terminated, non-promotional account terms will apply. FIXED PAY REDUCED APR: Fixed payments and reduced interest rate will apply to the Payoff Amount (which includes any unpaid interest that has been assessed on the promotional balance) until the promotion Expiration Date. If description above includes “INTRO PMT”, reduced payments required for Intro Period, then fixed payments. EQUAL PAY/NO INTEREST: Equal payments and no interest will apply until the Payoff Amount is paid in full. If description above includes “INTRO PMT”, reduced payments required for Intro Period, then equal payments. To make more than one payment, you can pay online at the online address stated above or you can mail in your payment to the address on the remit stub. This address is also available from our automated customer service system. Transaction Detail <table> <tr> <th>Date</th> <th>Reference Number/Invoice Number</th> <th>Description</th> <th>Amount</th> </tr> <tr> <td>Total Fees Charged This Period</td> <td></td> <td>LATE FEE</td> <td>$41.00</td> </tr> <tr> <td>05/25</td> <td></td> <td>LATE FEE</td> <td>$41.00</td> </tr> <tr> <td>Total Interest Charged This Period</td> <td></td> <td>INTEREST CHARGE ON PURCHASES</td> <td>$127.92</td> </tr> </table> <table> <tr> <th></th> <th>2024 Year-to-Date Fees and Interest</th> </tr> <tr> <td>Total Fees Charged</td> <td>$246.00</td> </tr> <tr> <td>Total Interest Charged</td> <td>$710.21</td> </tr> <tr> <td>Total Interest Paid</td> <td>$0.00</td> </tr> </table> News! the MyLowe’s Rewards Credit Card. You’ve unlocked Silver Key Status with our new loyalty program MyLowe’s Rewards.* Start saving on items you need for your home now and earn rewards toward what you want next. MyLowe’s Rewards Program allows loyalty members to earn points towards MyLowe’s Money, including when making eligible purchases under their MyLowe’s Rewards account. MyLowe’s Rewards has different membership levels (“statuses”). Silver Key Status members earn points based on spend at a minimum rate of 1.25 points per eligible dollar; 1,000 points = $5 MyLowe’s Money. Silver Key Status activation for credit cardholders may require saving card to Lowe’s digital wallet. Standard shipping not available on all products or in all areas. Member Gifts and Personalized Offers may vary and may be subject to additional terms and restrictions. Program subject to terms, conditions, & restrictions. See Lowes.com/MyLowe’s-Rewards-Terms for full program details. Subject to change. © 2024 Lowe’s. LOWE’S and the Gable Mansard Design are registered trademarks of LF, LLC. Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. <table> <tr> <th>Type of Balance</th> <th>Expiration Date</th> <th>Annual Percentage Rate</th> <th>Balance Subject to Interest Rate</th> <th>Interest Charge</th> <th>Balance Method</th> </tr> <tr> <th colspan="6">Current Transactions</th> </tr> <tr> <td>Regular Purchases</td> <td>N/A</td> <td>26.99%</td> <td>$232.23</td> <td>$5.33</td> <td>2D</td> </tr> <tr> <td colspan="6">Transactions on or before 09/02/2022</td> </tr> <tr> <td>Regular Purchases</td> <td>NA</td> <td>26.99%</td> <td>$4,235.84</td> <td>$97.10</td> <td>2D</td> </tr> <tr> <td>Fixed Pay Reduced Apr 7.99%</td> <td>Until Paid Off</td> <td>7.99%</td> <td>$2,411.05</td> <td>$16.37</td> <td>2D</td> </tr> <tr> <td>Fixed Pay Reduced Apr 7.99%</td> <td>Until Paid Off</td> <td>7.99%</td> <td>$1,343.03</td> <td>$9.12</td> <td>2D</td> </tr> </table> Important Account Information YOUR ACCOUNT IS PAST DUE. PLEASE PAY THE MINIMUM PAYMENT DUE OR CONTACT THIS OFFICE AT THE PHONE NUMBER LISTED ON YOUR STATEMENT. If your account has a Deferred interest promotional balance and you would like a payment to be applied to a specific promotional or non-promotiona balance, call Customer Service at 1-800-444-1408, no later than 60 days after the transaction date of your payment as shown on your statement, to learn what options may be available. If you need to contact Synchrony about the loss of a Synchrony cardholder, you can submit a deceased notification form located at www.syf.com under the 'Contact Us' page. This is a duplicate courtesy copy of your most recent billing statement. You can still view and pay your electronic statement online. NOTICE: We may convert your payment into an electronic debit. See back of page one for details, Billing Rights and other important information. EXHIBIT 2 synchrony 965 Keller Rd Altamonte Springs, FL 32714 BILL of SALE PRA (SFFLPRLS) – PLCC Fresh – September 2024 IC_SFFLPRLS_DMPLA_DebtManager-20240915053420128626000-437213-PLCMNT-EXPORT.xml.gzip Transfer Date: 9/14/2024 For value received and in further consideration of the mutual covenants and conditions set forth in the Master Account Sale Agreement (the “Agreement”), dated as of this 13th day of February, 2023 by and between Synchrony Bank formerly known as GE Capital Retail Bank; RFS Holding, LLC, Synchrony Card Funding, LLC and Retail Finance Credit Services, LLC., (“Seller”) and Portfolio Recovery Associates, LLC (“Buyer”), Seller hereby transfers, sells, conveys, grants, and delivers to Buyer, its successors and assigns, without recourse except as set forth in the Agreement, to the extent of its ownership, the Accounts as set forth in the Notification Files (as defined in the Agreement and Account Sale Addendum dated 8/6/2024), delivered by Seller to Buyer on or about 14th day of September, 2024, and as further described in the Agreement. The aggregate Sale Balance of the accounts as of the Transfer Date was [REDACTED] Synchrony Bank Signed by: By: Lynne Fisher 9/27/2024 Lynne Fisher Title: SVP Recovery Operations RFS Holding LLC Signed by: By: Lynne Fisher 9/27/2024 Lynne Fisher Title: Duly Authorized Signatory Synchrony Card Funding, LLC Signed by: By: Lynne Fisher 9/27/2024 Lynne Fisher Title: Duly Authorized Signatory Retail Finance Credit Services, LLC Signed by: By: Lynne Fisher 9/27/2024 Lynne Fisher Title: Vice President <table> <tr> <th>CREDITOR-ACCOUNT-REFERENCE-IDENTIFIER</th> <td>************1376</td> </tr> <tr> <th>GERMSACCTNUM</th> <td></td> </tr> <tr> <th>FLIPACCTNUM</th> <td></td> </tr> <tr> <th>PARENTACCT</th> <td></td> </tr> <tr> <th>CONSUMER-LEGACY-IDENTIFIER</th> <td>************376P</td> </tr> <tr> <th>CREDITOR-EXTERNAL-ACCOUNT-IDENTIFIER</th> <td></td> </tr> <tr> <th>AGENCY-ACCOUNT-IDENTIFIER</th> <td>************8986</td> </tr> <tr> <th>CREDITOR-ACCOUNT-LEGACY-IDENTIFIER</th> <td>************1376</td> </tr> <tr> <th>AGNCY_ENTTY_CRRLTN_ID</th> <td></td> </tr> <tr> <th>CNSMR_ID</th> <td></td> </tr> <tr> <th>CNSMR_ACCNT_OWNRS_ID</th> <td></td> </tr> <tr> <th>CONSUMER-ID</th> <td></td> </tr> <tr> <th>COMAKER_1_CONSUMER-LEGACY-IDENTIFIER</th> <td></td> </tr> <tr> <th>COMAKER_2_CONSUMER-LEGACY-IDENTIFIER</th> <td></td> </tr> <tr> <th>CONSUMER-FIRST-NAME</th> <td>SAMANTHA</td> </tr> <tr> <th>CONSUMER-MIDDLE-NAME</th> <td>J</td> </tr> <tr> <th>CONSUMER-LAST-NAME</th> <td>LARSON</td> </tr> <tr> <th>CONSUMER-NAME-PREFIX</th> <td></td> </tr> <tr> <th>CONSUMER-NAME-SUFFIX</th> <td></td> </tr> <tr> <th>BIRTH-DATE</th> <td>**/**/1987</td> </tr> <tr> <th>DRIVER-LICENSE-TEXT</th> <td></td> </tr> <tr> <th>DRIVER-LICENSE-ISSUER</th> <td></td> </tr> <tr> <th>PASSPORT-TEXT</th> <td></td> </tr> <tr> <th>PERSONAL-IDENTIFIER</th> <td>*****************</td> </tr> <tr> <th>IS-COMMERCIAL-FLAG</th> <td>0</td> </tr> <tr> <th>MARITAL-STATUS</th> <td>UNKNOWN</td> </tr> <tr> <th>FULL-NAMES</th> <td></td> </tr> <tr> <th>ALTERNATE-FULL-NAMES</th> <td></td> </tr> <tr> <th>CNSMR_IDNTFR_CMMRCL_TXT</th> <td></td> </tr> <tr> <th>CNSMR_ACCNT_OWNRSHP_END_DTTM</th> <td></td> </tr> <tr> <th>CNSMR_ACCNT_OWNRSHP_WGHT_NMBR</th> <td></td> </tr> <tr> <th>CNSMR_ACCNT_OWNRSHP_TYP_VAL_TXT</th> <td></td> </tr> <tr> <th>ACCNT_OWNRSHP_TYP_QUAL_VAL_TXT</th> <td></td> </tr> <tr> <th>CNSMR_ACCNT_OWNRSHP_DTTM</th> <td></td> </tr> </table> <table> <tr> <th>DATEOFDEATH</th> <td></td> </tr> <tr> <th>COMMERCIAL-CONTACT-NAME</th> <td></td> </tr> <tr> <th>LANGUAGE-SPOKEN</th> <td>ENG</td> </tr> <tr> <th>LETTER-METHOD</th> <td>UNKNOWN</td> </tr> <tr> <th>EMAIL-ADDRESS</th> <td>******************</td> </tr> <tr> <th>EMAIL-VALIDITY</th> <td>VALID</td> </tr> <tr> <th>EMAIL-OPTIN-FLAG</th> <td>1</td> </tr> <tr> <th>EMAIL-OPTIN-DATE</th> <td></td> </tr> <tr> <th>CNSMR_ADDRSS_ID</th> <td></td> </tr> <tr> <th>ADDRESS-LINE-1</th> <td>42603 STOUT DR</td> </tr> <tr> <th>ADDRESS-LINE-2</th> <td></td> </tr> <tr> <th>ADDRESS-LINE-3</th> <td></td> </tr> <tr> <th>ADDRESS-CITY</th> <td>TECUMSEH</td> </tr> <tr> <th>ADDRESS-COUNTY</th> <td></td> </tr> <tr> <th>ADDRESS-STATE-CODE</th> <td>OK</td> </tr> <tr> <th>ADDRESS-POSTAL-CODE</th> <td>748737225</td> </tr> <tr> <th>ADDRESS-COUNTRY-CODE</th> <td>US</td> </tr> <tr> <th>MAIL-RETURN-CODE-VALUE</th> <td></td> </tr> <tr> <th>MAIL-RETURN-DATE</th> <td></td> </tr> <tr> <th>MAIL-RETURN-COMMENTS</th> <td></td> </tr> <tr> <th>ADDRESS-SOURCE</th> <td>UNKNOWN</td> </tr> <tr> <th>ADDRESS-STATUS</th> <td>VALID</td> </tr> <tr> <th>CNSMR_ADDRSS_DLVRBLTY_TXT</th> <td></td> </tr> <tr> <th>CNSMR_ADDRSS_CNFRMTN_DT</th> <td></td> </tr> <tr> <th>PHONE-NUMBER_1</th> <td>******************</td> </tr> <tr> <th>PHONE-EXTENSION_1</th> <td>N</td> </tr> <tr> <th>PHONE-TYPE_1</th> <td>CELL</td> </tr> <tr> <th>PHONE-TECHNOLOGY-TYPE_1</th> <td>UNKNOWN</td> </tr> <tr> <th>COUNTRY-DIAL-CODE_1</th> <td>N</td> </tr> <tr> <th>COUNTRY-REFERENCE_1</th> <td>N</td> </tr> <tr> <th>CONNECT-ATTEMPT-COUNT_1</th> <td></td> </tr> <tr> <th>LAST-CONNECT-ATTEMPT-DATE_1</th> <td></td> </tr> <tr> <th>LAST-CONNECT-SUCCESS-DATE_1</th> <td></td> </tr> <tr> <th>PHONE-STATUS_1</th> <td>UNKNOWN</td> </tr> <tr> <th>PHONE-SOURCE_1</th> <td>UNKNOWN</td> </tr> <tr> <th>PHONE-CONSENT-FLAG_1</th> <td>0</td> </tr> <tr> <th>PHONE-CONSENT-DATE_1</th> <td></td> </tr> <tr> <th>PHONE-NUMBER_2</th> <td></td> </tr> <tr> <th>PHONE-EXTENSION_2</th> <td></td> </tr> <tr> <th>PHONE-TYPE_2</th> <td></td> </tr> </table> PHONE-TECHNOLOGY-TYPE 2 COUNTRY-DIAL-CODE 2 COUNTRY-REFERENCE 2 CONNECT-ATTEMPT-COUNT 2 LAST-CONNECT-ATTEMPT-DATE 2 LAST-CONNECT-SUCCESS-DATE 2 PHONE-STATUS 2 PHONE-SOURCE 2 PHONE-CONSENT-FLAG 2 PHONE-CONSENT-DATE 2 PHONE-NUMBER 3 PHONE-EXTENSION 3 PHONE-TYPE 3 PHONE-TECHNOLOGY-TYPE 3 COUNTRY-DIAL-CODE 3 COUNTRY-REFERENCE 3 CONNECT-ATTEMPT-COUNT 3 LAST-CONNECT-ATTEMPT-DATE 3 LAST-CONNECT-SUCCESS-DATE 3 PHONE-STATUS 3 PHONE-SOURCE 3 PHONE-CONSENT-FLAG 3 PHONE-CONSENT-DATE 3 PHONE-NUMBER 4 PHONE-EXTENSION 4 PHONE-TYPE 4 PHONE-TECHNOLOGY-TYPE 4 COUNTRY-DIAL-CODE 4 COUNTRY-REFERENCE 4 CONNECT-ATTEMPT-COUNT 4 LAST-CONNECT-ATTEMPT-DATE 4 LAST-CONNECT-SUCCESS-DATE 4 PHONE-STATUS 4 PHONE-SOURCE 4 PHONE-CONSENT-FLAG 4 PHONE-CONSENT-DATE 4 ADDRHISTCHGDT 2015-04-29 <table> <tr> <th>COMAKER_1_CONSUMER-FIRST-NAME</th> <td></td> </tr> <tr> <th>COMAKER_1_CONSUMER-MIDDLE-NAME</th> <td></td> </tr> <tr> <th>COMAKER_1_CONSUMER-LAST-NAME</th> <td></td> </tr> <tr> <th>COMAKER_1_CONSUMER-NAME-PREFIX</th> <td></td> </tr> <tr> <th>COMAKER_1_CONSUMER-NAME-SUFFIX</th> <td></td> </tr> <tr> <th>COMAKER_1_BIRTH-DATE</th> <td></td> </tr> <tr> <th>COMAKER_1_DRIVER-LICENSE-TEXT</th> <td></td> </tr> <tr> <th>COMAKER_1_DRIVER-LICENSE-ISSUER</th> <td></td> </tr> <tr> <th>COMAKER_1_PASSPORT-TEXT</th> <td></td> </tr> <tr> <th>COMAKER_1_PERSONAL-IDENTIFIER</th> <td></td> </tr> <tr> <th>COMAKER_1_IS-COMMERCIAL-FLAG</th> <td></td> </tr> <tr> <th>COMAKER_1_LANGUAGE-SPOKEN</th> <td></td> </tr> <tr> <th>COMAKER_1_MARITAL-STATUS</th> <td></td> </tr> <tr> <th>COMAKER_1_FULL-NAME</th> <td></td> </tr> <tr> <th>COMAKER_1_ALTERNATE-FULL-NAME</th> <td></td> </tr> <tr> <th>COMAKER_1_CNSMR_ACCNT_OWNRSHP_TYP_VAL_TXT</th> <td></td> </tr> <tr> <th>COMAKER_1_ACCNT_OWNRSHP_TYP_QUAL_VAL_TXT</th> <td></td> </tr> <tr> <th>COMAKER_1_CNSMR_ACCNT_OWNRSHP_DTTM</th> <td></td> </tr> <tr> <th>COMAKER_2_CONSUMER-FIRST-NAME</th> <td></td> </tr> <tr> <th>COMAKER_2_CONSUMER-MIDDLE-NAME</th> <td></td> </tr> <tr> <th>COMAKER_2_CONSUMER-LAST-NAME</th> <td></td> </tr> <tr> <th>COMAKER_2_CONSUMER-NAME-PREFIX</th> <td></td> </tr> <tr> <th>COMAKER_2_CONSUMER-NAME-SUFFIX</th> <td></td> </tr> <tr> <th>COMAKER_2_BIRTH-DATE</th> <td></td> </tr> <tr> <th>COMAKER_2_DRIVER-LICENSE-TEXT</th> <td></td> </tr> <tr> <th>COMAKER_2_DRIVER-LICENSE-ISSUER</th> <td></td> </tr> <tr> <th>COMAKER_2_PASSPORT-TEXT</th> <td></td> </tr> </table> <table> <tr> <th>COMAKER_2_PERSONAL-IDENTIFIER</th> <td></td> </tr> <tr> <th>COMAKER_2_IS-COMMERCIAL-FLAG</th> <td></td> </tr> <tr> <th>COMAKER_2_COMMERCIAL-CONTACT-NAME</th> <td></td> </tr> <tr> <th>COMAKER_2_LANGUAGE-SPOKEN</th> <td></td> </tr> <tr> <th>COMAKER_2_MARITAL-STATUS</th> <td></td> </tr> <tr> <th>COMAKER_2_FULL-NAME</th> <td></td> </tr> <tr> <th>COMAKER_2_ALTERNATE-FULL-NAME</th> <td></td> </tr> <tr> <th>COMAKER_2_CNSMR_ACC NT_OWNRSHP_TYP_VAL_TXT</th> <td></td> </tr> <tr> <th>COMAKER_2_ACCNT_OWNRSHP_TYP_QUAL_VAL_TXT</th> <td></td> </tr> <tr> <th>COMAKER_2_CNSMR_ACC NT_OWNRSHP_DTTM</th> <td></td> </tr> <tr> <th>COMAKER_2_CNSMR_ADD RSS_DLVRBLTY_TXT</th> <td></td> </tr> <tr> <th>COMAKER_2_CNSMR_ADD RSS_CNFRMTN_DT</th> <td></td> </tr> <tr> <th>UDCON_LANGPREFER</th> <td></td> </tr> <tr> <th>COMAKER_1_COMMERCIAL-CONTACT-NAME</th> <td></td> </tr> <tr> <th>COMAKER_1_LETTER-METHOD</th> <td></td> </tr> <tr> <th>COMAKER_1_EMAIL-ADDRESS</th> <td></td> </tr> <tr> <th>COMAKER_1_EMAIL-VALIDITY</th> <td></td> </tr> <tr> <th>COMAKER_1_EMAIL-OPTIN-FLAG</th> <td></td> </tr> <tr> <th>COMAKER_1_EMAIL-OPTIN-DATE</th> <td></td> </tr> <tr> <th>COMAKER_1_ADDRESS-LINE-1</th> <td></td> </tr> <tr> <th>COMAKER_1_ADDRESS-LINE-2</th> <td></td> </tr> <tr> <th>COMAKER_1_ADDRESS-LINE-3</th> <td></td> </tr> <tr> <th>COMAKER_1_ADDRESS-CITY</th> <td></td> </tr> <tr> <th>COMAKER_1_ADDRESS-COUNTY</th> <td></td> </tr> <tr> <th>COMAKER_1_ADDRESS-STATE-CODE</th> <td></td> </tr> <tr> <th>COMAKER_1_ADDRESS-POSTAL-CODE</th> <td></td> </tr> </table> <table> <tr> <th>COMAKER_1_ADDRESS-COUNTRY-CODE</th> <td></td> </tr> <tr> <th>COMAKER_1_MAIL-RETURN-CODE-VALUE</th> <td></td> </tr> <tr> <th>COMAKER_1_MAIL-RETURN-DATE</th> <td></td> </tr> <tr> <th>COMAKER_1_MAIL-RETURN-COMMENTS</th> <td></td> </tr> <tr> <th>COMAKER_1_ADDRESS-SOURCE</th> <td></td> </tr> <tr> <th>COMAKER_1_ADDRESS-STATUS</th> <td></td> </tr> <tr> <th>COMAKER_1_CNSMR_ADDRSS_DLVRBLTY_TXT</th> <td></td> </tr> <tr> <th>COMAKER_1_CNSMR_ADDRSS_CNFRMTN_DT</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-NUMBER_1</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-EXTENSION_1</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-TYPE_1</th> <td></td> </tr> <tr> <th>COMAKER_1 PHONE-TECHNOLOGY-TYPE_1</th> <td></td> </tr> <tr> <th>COMAKER_1_COUNTRY-DIAL-CODE_1</th> <td></td> </tr> <tr> <th>COMAKER_1_COUNTRY-REFERENCE_1</th> <td></td> </tr> <tr> <th>COMAKER_1_CONNECT-ATTEMPT-COUNT_1</th> <td></td> </tr> <tr> <th>COMAKER_1_LAST-CONNECT-ATTEMPT-DATE_1</th> <td></td> </tr> <tr> <th>COMAKER_1_LAST-CONNECT-SUCCESS-DATE_1</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-STATUS_1</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-SOURCE_1</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-CONSENT-FLAG_1</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-CONSENT-DATE_1</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-NUMBER_2</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-EXTENSION_2</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-TYPE_2</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-TECHNOLOGY-TYPE_2</th> <td></td> </tr> </table> <table> <tr> <th>COMAKER_1_COUNTRY-DIAL-CODE 2</th> <td></td> </tr> <tr> <th>COMAKER_1_COUNTRY-REFERENCE 2</th> <td></td> </tr> <tr> <th>COMAKER_1_CONNECT-ATTEMPT-COUNT 2</th> <td></td> </tr> <tr> <th>COMAKER_1_LAST-CONNECT-ATTEMPT-DATE 2</th> <td></td> </tr> <tr> <th>COMAKER_1_LAST-CONNECT-SUCCESS-DATE 2</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-STATUS 2</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-SOURCE 2</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-CONSENT-FLAG 2</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-CONSENT-DATE 2</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-NUMBER 3</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-EXTENSION 3</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-TYPE 3</th> <td></td> </tr> <tr> <th>COMAKER_1 PHONE-TECHNOLOGY-TYPE 3</th> <td></td> </tr> <tr> <th>COMAKER_1_COUNTRY-DIAL-CODE 3</th> <td></td> </tr> <tr> <th>COMAKER_1_COUNTRY-REFERENCE 3</th> <td></td> </tr> <tr> <th>COMAKER_1_CONNECT-ATTEMPT-COUNT 3</th> <td></td> </tr> <tr> <th>COMAKER_1_LAST-CONNECT-ATTEMPT-DATE 3</th> <td></td> </tr> <tr> <th>COMAKER_1_LAST-CONNECT-SUCCESS-DATE 3</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-STATUS 3</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-SOURCE 3</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-CONSENT-FLAG 3</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-CONSENT-DATE 3</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-NUMBER 4</th> <td></td> </tr> <tr> <th>COMAKER_1_PHONE-EXTENSION 4</th> <td></td> </tr> </table> <table> <tr> <th>COMAKER_1_PHONE-TYPE</th> <td>4</td> </tr> <tr> <th>COMAKER_1_PHONE-TECHNOLOGY-TYPE</th> <td>4</td> </tr> <tr> <th>COMAKER_1_COUNTRY-DIAL-CODE</th> <td>4</td> </tr> <tr> <th>COMAKER_1_COUNTRY-REFERENCE</th> <td>4</td> </tr> <tr> <th>COMAKER_1_CONNECT-ATTEMPT-COUNT</th> <td>4</td> </tr> <tr> <th>COMAKER_1_LAST-CONNECT-ATTEMPT-DATE</th> <td>4</td> </tr> <tr> <th>COMAKER_1_LAST-CONNECT-SUCCESS-DATE</th> <td>4</td> </tr> <tr> <th>COMAKER_1_PHONE-STATUS</th> <td>4</td> </tr> <tr> <th>COMAKER_1_PHONE-SOURCE</th> <td>4</td> </tr> <tr> <th>COMAKER_1_PHONE-CONSENT-FLAG</th> <td>4</td> </tr> <tr> <th>COMAKER_1_PHONE-CONSENT-DATE</th> <td>4</td> </tr> <tr> <th>COMAKER_2_LETTER-METHOD</th> <td></td> </tr> <tr> <th>COMAKER_2_EMAIL-ADDRESS</th> <td></td> </tr> <tr> <th>COMAKER_2_EMAIL-VAILDITY</th> <td></td> </tr> <tr> <th>COMAKER_2_EMAIL-OPTIN-FLAG</th> <td></td> </tr> <tr> <th>COMAKER_2_EMAIL-OPTIN-DATE</th> <td></td> </tr> <tr> <th>COMAKER_2_ADDRESS-LINE-1</th> <td></td> </tr> <tr> <th>COMAKER_2_ADDRESS-LINE-2</th> <td></td> </tr> <tr> <th>COMAKER_2_ADDRESS-LINE-3</th> <td></td> </tr> <tr> <th>COMAKER_2_ADDRESS-CITY</th> <td></td> </tr> <tr> <th>COMAKER_2_ADDRESS-COUNTY</th> <td></td> </tr> <tr> <th>COMAKER_2_ADDRESS-STATE-CODE</th> <td></td> </tr> <tr> <th>COMAKER_2_ADDRESS-POSTAL-CODE</th> <td></td> </tr> <tr> <th>COMAKER_2_ADDRESS-COUNTRY-CODE</th> <td></td> </tr> <tr> <th>COMAKER_2_MAIL-RETURN-CODE-VALUE</th> <td></td> </tr> </table> <table> <tr> <th>COMAKER_2_MAIL-RETURN-DATE</th> <td></td> </tr> <tr> <th>COMAKER_2_MAIL-RETURN-COMMENTS</th> <td></td> </tr> <tr> <th>COMAKER_2_ADDRESS-SOURCE</th> <td></td> </tr> <tr> <th>COMAKER_2_ADDRESS-STATUS</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-NUMBER_1</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-EXTENSION_1</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-TYPE_1</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-TECHNOLOGY-TYPE_1</th> <td></td> </tr> <tr> <th>COMAKER_2_COUNTRY-DIAL-CODE_1</th> <td></td> </tr> <tr> <th>COMAKER_2_COUNTRY-REFERENCE_1</th> <td></td> </tr> <tr> <th>COMAKER_2_CONNECT-ATTEMPT-COUNT_1</th> <td></td> </tr> <tr> <th>COMAKER_2_LAST-CONNECT-ATTEMPT-DATE_1</th> <td></td> </tr> <tr> <th>COMAKER_2_LAST-CONNECT-SUCCESS-DATE_1</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-STATUS_1</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-SOURCE_1</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-CONSENT-FLAG_1</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-CONSENT-DATE_1</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-NUMBER_2</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-EXTENSION_2</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-TYPE_2</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-TECHNOLOGY-TYPE_2</th> <td></td> </tr> <tr> <th>COMAKER_2_COUNTRY-DIAL-CODE_2</th> <td></td> </tr> <tr> <th>COMAKER_2_COUNTRY-REFERENCE_2</th> <td></td> </tr> <tr> <th>COMAKER_2_CONNECT-ATTEMPT-COUNT_2</th> <td></td> </tr> <tr> <th>COMAKER_2_LAST-CONNECT-ATTEMPT-DATE_2</th> <td></td> </tr> </table> <table> <tr> <th>COMAKER_2_LAST-CONNECT-SUCCESS-DATE 2</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-STATUS 2</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-SOURCE 2</th> <td></td> </tr> <tr> <th>COMAKER_2 PHONE-CONSENT-FLAG 2</th> <td></td> </tr> <tr> <th>COMAKER_2 PHONE-CONSENT-DATE 2</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-NUMBER 3</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-EXTENSION 3</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-TYPE 3</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-TECHNOLOGY-TYPE 3</th> <td></td> </tr> <tr> <th>COMAKER_2_COUNTRY-DIAL-CODE 3</th> <td></td> </tr> <tr> <th>COMAKER_2_COUNTRY-REFERENCE 3</th> <td></td> </tr> <tr> <th>COMAKER_2_CONNECT-ATTEMPT-COUNT 3</th> <td></td> </tr> <tr> <th>COMAKER_2_LAST-CONNECT-ATTEMPT-DATE 3</th> <td></td> </tr> <tr> <th>COMAKER_2 LAST-CONNECT-SUCCESS-DATE 3</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-STATUS 3</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-SOURCE 3</th> <td></td> </tr> <tr> <th>COMAKER_2 PHONE-CONSENT-FLAG 3</th> <td></td> </tr> <tr> <th>COMAKER_2 PHONE-CONSENT-DATE 3</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-NUMBER 4</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-EXTENSION 4</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-TYPE 4</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-TECHNOLOGY-TYPE 4</th> <td></td> </tr> <tr> <th>COMAKER_2_COUNTRY-DIAL-CODE 4</th> <td></td> </tr> <tr> <th>COMAKER_2_COUNTRY-REFERENCE 4</th> <td></td> </tr> <tr> <th>COMAKER_2 CONNECT-ATTEMPT-COUNT 4</th> <td></td> </tr> </table> <table> <tr> <th>COMAKER_2_LAST-CONNECT-ATTEMPT-DATE</th> <td></td> </tr> <tr> <th>COMAKER_2_LAST-CONNECT-SUCCESS-DATE</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-STATUS</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-SOURCE</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-CONSENT-FLAG</th> <td></td> </tr> <tr> <th>COMAKER_2_PHONE-CONSENT-DATE</th> <td></td> </tr> <tr> <th>CREDIT-GRANTED-DATE</th> <td></td> </tr> <tr> <th>CREDIT-PLACEMENT-DATA</th> <td>Jul 1 2024 12:00AM</td> </tr> <tr> <th>CREDIT-LAST-SERVICE-DATE</th> <td>Jun 30 2024 12:00AM</td> </tr> <tr> <th>INTEREST-PERCENTAGE</th> <td>0.0000000</td> </tr> <tr> <th>INTEREST-TYPE-CODE</th> <td>NONE</td> </tr> <tr> <th>ORIGINAL-NOMINAL-BALANCE</th> <td>8358.62</td> </tr> <tr> <th>CHARGE-OFF-DATE</th> <td>Jun 30 2024 12:00AM</td> </tr> <tr> <th>REFINANCE-DATE</th> <td></td> </tr> <tr> <th>DELINQUENCY-DATE</th> <td>Jan 2 2024 12:00AM</td> </tr> <tr> <th>INTEREST-START-DATE</th> <td></td> </tr> <tr> <th>BUCKET-TRANSACTION-TYPE</th> <td>PLACEMENT</td> </tr> <tr> <th>PRI</th> <td>7248.44</td> </tr> <tr> <th>PRI-OTHR</th> <td></td> </tr> <tr> <th>INT</th> <td>823.18</td> </tr> <tr> <th>SUMPTCIOINT</th> <td>0.00</td> </tr> <tr> <th>SUMPTCOFEES</th> <td>0.00</td> </tr> <tr> <th>SUMPTCOCREDITS</th> <td>0.00</td> </tr> <tr> <th>SUMPTCOPMTS</th> <td>0.00</td> </tr> <tr> <th>HDSPUTEAMT</th> <td></td> </tr> <tr> <th>OPENDATE</th> <td>2014-07-31</td> </tr> <tr> <th>HOEX LASTPAYDATE</th> <td></td> </tr> <tr> <th>ORGCHGOFFPRI</th> <td>7248.44</td> </tr> <tr> <th>ORGCHGOFFINT</th> <td>823.18</td> </tr> <tr> <th>ORGCHGOFFCOST</th> <td></td> </tr> <tr> <th>FXDPAYAMT</th> <td>0.00</td> </tr> <tr> <th>LSTPURDTE</th> <td>2022-02-28</td> </tr> <tr> <th>LSTMONDTE</th> <td>2024-06-30</td> </tr> <tr> <th>ORGCHGOFFFEEES</th> <td>287.00</td> </tr> <tr> <th>LSTSTMTDT</th> <td>2024-06-30</td> </tr> <tr> <th>LSTSTBAMT</th> <td>8358.62</td> </tr> <tr> <th>PRECOLSTTPAYAMT</th> <td>1018.44</td> </tr> </table> Sale File: IC_SFFLLPLS_DMPLA_DEBTMANAGER-20240915053420128626000-437213-PLCMNT-EXPORT.XML <table> <tr><th>PRECOLSTPAYDT</th><td>2023-11-22</td></tr> <tr><th>REWARDRCREDITS</th><td>4332.71</td></tr> <tr><th>LSTCASHADVAM</th><td>0.00</td></tr> <tr><th>LSTSUCCON</th><td></td></tr> <tr><th>LSTBALXFDTE</th><td></td></tr> <tr><th>HOEX STMTHDCD</th><td>Y</td></tr> <tr><th>ORGACTDTE</th><td></td></tr> <tr><th>STMTSTARTDTE</th><td></td></tr> <tr><th>STMTENDDDE</th><td></td></tr> <tr><th>LSTBLLPDU</th><td></td></tr> <tr><th>HOEX2 STMTHDCD</th><td></td></tr> <tr><th>HOSTLTRHISTNO1</th><td>B518</td></tr> <tr><th>HOSTLTRHISTDT1</th><td>2024-06-21</td></tr> <tr><th>HOSTLTRHISTNO2</th><td>B560</td></tr> <tr><th>HOSTLTRHISTDT2</th><td>2024-06-05</td></tr> <tr><th>HOSTLTRHISTNO3</th><td>B546</td></tr> <tr><th>HOSTLTRHISTDT3</th><td>2024-05-21</td></tr> <tr><th>HOSTLTRHISTNO4</th><td>B590</td></tr> <tr><th>HOSTLTRHISTDT4</th><td>2024-05-13</td></tr> <tr><th>HOSTLTRHISTNO5</th><td>B545</td></tr> <tr><th>HOSTLTRHISTDT5</th><td>2024-04-22</td></tr> <tr><th>HOSTLTRHISTNO6</th><td></td></tr> <tr><th>HOSTLTRHISTDT6</th><td></td></tr> <tr><th>HOSTLTRHISTNO7</th><td></td></tr> <tr><th>HOSTLTRHISTDT7</th><td></td></tr> <tr><th>HOSTLTRHISTNO8</th><td></td></tr> <tr><th>HOSTLTRHISTDT8</th><td></td></tr> <tr><th>HOSTLTRHISTNO9</th><td></td></tr> <tr><th>HOSTLTRHISTDT9</th><td></td></tr> <tr><th>HOSTLTRHISTNO10</th><td></td></tr> <tr><th>HOSTLTRHISTDT10</th><td></td></tr> <tr><th>LASTPAYDATE</th><td>2023-11-22</td></tr> <tr><th>LASTPAYAMT</th><td>1018.44</td></tr> <tr><th>ORJDGFEES</th><td></td></tr> <tr><th>ORJDGESCRW</th><td></td></tr> <tr><th>SIFSTD</th><td></td></tr> <tr><th>NXTPAYDTE</th><td></td></tr> <tr><th>OFFICERCODE</th><td>LOW027</td></tr> <tr><th>BCLE</th><td>BC0181</td></tr> <tr><th>STATUTE-OF-LIMITATIONS-DATE</th><td></td></tr> <tr><th>OOSDATE</th><td>2028-12-31</td></tr> <tr><th>CONSUMER-AGENCY-IDENTIFIER</th><td></td></tr> <tr><th>USER-ATTORNEY-FLAG</th><td>0</td></tr> </table> <table> <tr> <th>CNSMR_IDNTFR_AGENCY_ID</th> <td></td> </tr> <tr> <th>COMAKER_1_CONSUMER- AGENCY-IDENTIFIER</th> <td></td> </tr> <tr> <th>COMAKER_1_USER-ATTORNEY-FLAG</th> <td></td> </tr> <tr> <th>COMAKER_2_CONSUMER- AGENCY-IDENTIFIER</th> <td></td> </tr> <tr> <th>COMAKER_2_USER-ATTORNEY-FLAG</th> <td></td> </tr> <tr> <th>COLLTRLID</th> <td></td> </tr> <tr> <th>VEHICLEYR</th> <td></td> </tr> <tr> <th>VEHICLEMK</th> <td></td> </tr> <tr> <th>REPODATE</th> <td></td> </tr> <tr> <th>VPMTPURCYC1</th> <td></td> </tr> <tr> <th>VPCYC30DELCT</th> <td></td> </tr> <tr> <th>VPCYC60DELCT</th> <td></td> </tr> <tr> <th>VPCYC90DELCT</th> <td></td> </tr> <tr> <th>VPCYC120DELCT</th> <td></td> </tr> <tr> <th>VPCYC180DELCT</th> <td></td> </tr> <tr> <th>VPCYC30DELAM</th> <td></td> </tr> <tr> <th>VPCYC90DELAM</th> <td></td> </tr> <tr> <th>VPCYC91DELAM</th> <td></td> </tr> <tr> <th>VPAMTPMTSCYC</th> <td></td> </tr> <tr> <th>VPPAYOFFAMT</th> <td></td> </tr> <tr> <th>VPDATEMATURE</th> <td></td> </tr> <tr> <th>VPREGPYTDTE</th> <td></td> </tr> <tr> <th>VPLATECHARGES</th> <td></td> </tr> <tr> <th>VPLSTEXTDTE</th> <td></td> </tr> <tr> <th>VPOWNRENT</th> <td></td> </tr> <tr> <th>VPCOLLID</th> <td></td> </tr> <tr> <th>VPVEHYEAR</th> <td></td> </tr> <tr> <th>VPVEHMAKE</th> <td></td> </tr> <tr> <th>VPREPODATE</th> <td></td> </tr> <tr> <th>VPCOLSALEPRC</th> <td></td> </tr> <tr> <th>SECURED</th> <td></td> </tr> <tr> <th>BK_BKCASENUM</th> <td></td> </tr> <tr> <th>BK_BKFILEDATE</th> <td></td> </tr> <tr> <th>BK_OBJDISCHDTE</th> <td></td> </tr> <tr> <th>BK_DISMISSDATE</th> <td></td> </tr> <tr> <th>BK_DISCHGDATE</th> <td></td> </tr> <tr> <th>BK_RFFMDATE</th> <td></td> </tr> <tr> <th>BK_ACCPTDATE</th> <td></td> </tr> <tr> <th>BK_BKCHAPTER</th> <td></td> </tr> <tr> <th>BK_VOLSUR</th> <td></td> </tr> <tr> <th>BK_PRIMARYFILER</th> <td></td> </tr> <tr> <th>BK_BKREINSTATEDT</th> <td></td> </tr> </table> <table> <tr><th></th></tr> <tr><td>BK JOINTFILER</td></tr> <tr><td>BKC BKCASENUM</td></tr> <tr><td>BKC BKFLEDATE</td></tr> <tr><td>BKC DISMISSDATE</td></tr> <tr><td>BKC DISCHGDATE</td></tr> <tr><td>BKC RFFMDATE</td></tr> <tr><td>BKC ACCPTDATE</td></tr> <tr><td>BKC BKCHAPTER</td></tr> <tr><td>BKC VOLSUR</td></tr> <tr><td>BKC PRIMARYFILER</td></tr> <tr><td>BKC JOINTFILER</td></tr> <tr><td>BKW BKCASENUM</td></tr> <tr><td>BKW BKFLEDATE</td></tr> <tr><td>BKW DISMISSDATE</td></tr> <tr><td>BKW DISCHGDATE</td></tr> <tr><td>BKW RFFMDATE</td></tr> <tr><td>BKW ACCPTDATE</td></tr> <tr><td>BKW BKCHAPTER</td></tr> <tr><td>BKW VOLSUR</td></tr> <tr><td>BKW PRIMARYFILER</td></tr> <tr><td>BKW JOINTFILER</td></tr> <tr><td>JUDGDATE</td></tr> <tr><td>SUITFILEDATE</td></tr> <tr><td>CASEDOCKETNBR</td></tr> <tr><td>BKSCRUBNOHIT</td></tr> <tr><td>UDBKC BKCASENUM</td></tr> <tr><td>UDBKC BKFLEDATE</td></tr> <tr><td>UDBKC DISMISSDATE</td></tr> <tr><td>UDBKC DISCHGDATE</td></tr> <tr><td>UDBKC RFFMDATE</td></tr> <tr><td>UDBKC ACCPTDATE</td></tr> <tr><td>UDBKC BKCHAPTER</td></tr> <tr><td>UDBKC VOLSUR</td></tr> <tr><td>UDBKC PRIMARYFILER</td></tr> <tr><td>UDBKC JOINTFILER</td></tr> <tr><td>UDBKW BKCASENUM</td></tr> <tr><td>UDBKW BKFLEDATE</td></tr> <tr><td>UDBKW DISMISSDATE</td></tr> <tr><td>UDBKW DISCHGDATE</td></tr> <tr><td>UDBKW RFFMDATE</td></tr> <tr><td>UDBKW ACCPTDATE</td></tr> <tr><td>UDBKW BKCHAPTER</td></tr> <tr><td>UDBKW VOLSUR</td></tr> <tr><td>UDBKW PRIMARYFILER</td></tr> <tr><td>UDBKW JOINTFILER</td></tr> <tr><td>AE FULL-NAME</td></tr> </table> AE ADDRESS-LINE-1 AE ADDRESS-LINE-2 AE ADDRESS-CITY AE ADDRESS-STATE-CODE AE ADDRESS-POSTAL-CODE COMAKER_1_AE_FULL-NAME COMAKER_1_AE_ADDRESS-LINE-1 COMAKER_1_AE_ADDRESS-LINE-2 COMAKER_1_AE_ADDRESS-CITY COMAKER_1_AE_ADDRESS-STATE-CODE COMAKER_1_AE_ADDRESS-POSTAL-CODE COMAKER_2_AE_FULL-NAME COMAKER_2_AE_ADDRESS-LINE-1 COMAKER_2_AE_ADDRESS-LINE-2 COMAKER_2_AE_ADDRESS-CITY COMAKER_2_AE_ADDRESS-STATE-CODE COMAKER_2_AE_ADDRESS-POSTAL-CODE CONSUMER-BEHAVIOR-SCORE 0 CONSUMER-ACCESS-PIN-NUMBER CONSUMER-INFO-CORRELATION-IDENTIFIER CREDITOR-NAME CARDPLCC CREDITOR-SHORT-NAME CREDITOR-TYPE CRB-REFERENCE-IDENTIFIER DESCRIPTION-TEXT IS-INTERNAL-FLAG 0 SUPRESS-CREDIT-BUREAU-REPORTING 1 AGE-AT-PLACEMENT ACCOUNT-TYPE-CODE UNKNOWN ACCOUNT-PORTFOLIO-CODE R CORRELATION-IDENTIFIER <table> <tr><th>INCOME-GROSS-AMOUNT</th><td></td></tr> <tr><th>SEQ_NO</th><td></td></tr> <tr><th>TYPE</th><td></td></tr> <tr><th>WRKGRP_SHRT_NM</th><td></td></tr> <tr><th>CNSMR_LST_WRKGRP_SHRT_NM</th><td></td></tr> <tr><th>CNSMR_TMNZ_OVRRD_VA L_TXT</th><td></td></tr> <tr><th>FULL-TEXT</th><td></td></tr> <tr><th>OBSOLETE-REASON</th><td></td></tr> <tr><th>OBSOLETE-DATE</th><td></td></tr> <tr><th>RAW-TEXT_1</th><td>N</td></tr> <tr><th>SCORE-NUMBER_1</th><td>1</td></tr> <tr><th>RAW-TEXT_2</th><td></td></tr> <tr><th>SCORE-NUMBER_2</th><td></td></tr> <tr><th>RAW-TEXT_3</th><td></td></tr> <tr><th>SCORE-NUMBER_3</th><td></td></tr> <tr><th>RAW-TEXT_4</th><td></td></tr> <tr><th>SCORE-NUMBER_4</th><td></td></tr> <tr><th>REQUESTDATE</th><td></td></tr> <tr><th>CII</th><td></td></tr> <tr><th>ECOA</th><td>1</td></tr> <tr><th>SALEPRICE</th><td></td></tr> <tr><th>CLAIMDATE</th><td></td></tr> <tr><th>CHGOFFRSN</th><td>WNPY</td></tr> <tr><th>CORFLGCDE</th><td>0</td></tr> <tr><th>TLNSFCKCT</th><td>0</td></tr> <tr><th>MISC1</th><td></td></tr> <tr><th>CBRCODE</th><td>1</td></tr> <tr><th>CLASSFTN</th><td></td></tr> <tr><th>CHGOFFCDE</th><td>86</td></tr> <tr><th>GENERATIONCODE</th><td></td></tr> <tr><th>CLIENTNAME</th><td>SYNCHRONY BANK</td></tr> <tr><th>COMMERCIALTIN</th><td></td></tr> <tr><th>COMMERCIALNAME</th><td></td></tr> <tr><th>NONREISSUELTRNO</th><td></td></tr> <tr><th>BOOKPAGE</th><td></td></tr> <tr><th>LOANTYPE</th><td></td></tr> <tr><th>SCRAEXPRIE</th><td></td></tr> <tr><th>DECSRCARUBNOHIT</th><td></td></tr> <tr><th>SIFPGMKY</th><td></td></tr> <tr><th>UDCBD_CII</th><td></td></tr> <tr><th>UDCBD_ECOA</th><td></td></tr> <tr><th>COMAKER_1_CONSUMERINFO-CORRELATION-ID</th><td></td></tr> <tr><th>COMAKER_1_FULL-TEXT</th><td></td></tr> </table> <table> <tr> <th>COMAKER_1_OBSOLETE-REASON</th> <td></td> </tr> <tr> <th>COMAKER_1_OBSOLETE-DATE</th> <td></td> </tr> <tr> <th>COMAKER_1_RAW-TEXT_1</th> <td></td> </tr> <tr> <th>COMAKER_1_SCORE-NUMBER_1</th> <td></td> </tr> <tr> <th>COMAKER_1_RAW-TEXT_2</th> <td></td> </tr> <tr> <th>COMAKER_1_SCORE-NUMBER_2</th> <td></td> </tr> <tr> <th>COMAKER_1_RAW-TEXT_3</th> <td></td> </tr> <tr> <th>COMAKER_1_SCORE-NUMBER_3</th> <td></td> </tr> <tr> <th>COMAKER_1_RAW-TEXT_4</th> <td></td> </tr> <tr> <th>COMAKER_1_SCORE-NUMBER_4</th> <td></td> </tr> <tr> <th>COMAKER_2_CONSUMER-INFO-CORRELATION-IDENTIFIER</th> <td></td> </tr> <tr> <th>COMAKER_2_FULL-TEXT</th> <td></td> </tr> <tr> <th>COMAKER_2_OBSOLETE-REASON</th> <td></td> </tr> <tr> <th>COMAKER_2_OBSOLETE-DATE</th> <td></td> </tr> <tr> <th>COMAKER_2_RAW-TEXT_1</th> <td></td> </tr> <tr> <th>COMAKER_2_SCORE-NUMBER_1</th> <td></td> </tr> <tr> <th>COMAKER_2_RAW-TEXT_2</th> <td></td> </tr> <tr> <th>COMAKER_2_SCORE-NUMBER_2</th> <td></td> </tr> <tr> <th>COMAKER_2_RAW-TEXT_3</th> <td></td> </tr> <tr> <th>COMAKER_2_SCORE-NUMBER_3</th> <td></td> </tr> <tr> <th>COMAKER_2_RAW-TEXT_4</th> <td></td> </tr> <tr> <th>COMAKER_2_SCORE-NUMBER_4</th> <td></td> </tr> </table> EXHIBIT 3 SYNCHRONY BANK PRICING INFORMATION ADDENDUM FOR YOUR LOWE'S CREDIT CARD ACCOUNT ENDING IN 1376 <table> <tr> <th colspan="2">Interest Rates and Interest Charges</th> </tr> <tr> <th>Annual Percentage Rate (APR) for Purchases</th> <td>The APR for purchases is <b>26.99%</b>.<br>The daily rate for purchases is 0.07395%.</td> </tr> <tr> <th>Minimum Interest Charge</th> <td>If you are charged interest, the Finance Charge will be no less than $2.00.</td> </tr> </table> <table> <tr> <th colspan="2">Fees</th> </tr> <tr> <th colspan="2">Penalty Fees</th> </tr> <tr> <td>• Late Payment</td> <td>Up to $41<br>The amount of the late payment fee will be equal to: (1) $30 if you have paid at least your total minimum payment due by the due date in each of the prior six billing cycles or (2) $41 if you have failed to pay at least the total minimum payment due by the due date in any one or more of the prior six billing cycles. However, if the late payment fee would exceed the total minimum payment for which the late payment fee is assessed, the amount of the late payment fee will instead be equal to the amount of the total minimum payment that was due.</td> </tr> <tr> <td>• Returned Payment</td> <td>Not Applicable</td> </tr> </table> How We Will Calculate Your Balance: We use a method called "average daily balance". SYNCHRONY BANK SECTION I: RATES AND FEES TABLE LOWE'S CREDIT CARD ACCOUNT AGREEMENT Information from Section I of the Lowe's Credit Card Account Agreement is provided in the accompanying Pricing Information Addendum. SECTION II: RATES, FEES AND PAYMENT INFORMATION LOWE'S CREDIT CARD ACCOUNT AGREEMENT How Interest Is Calculated <table> <tr> <th>Your Interest Rate</th> <td>We use a daily rate to calculate the interest on the balance on your account each day. The daily rate is the applicable APR times 1/365. Interest will be imposed in amounts or at rates not in excess of those permitted by applicable law. See the accompanying Pricing Information Addendum for information for your specific APR.</td> </tr> <tr> <th>When We Charge Interest</th> <td>We charge interest on your purchases from the date you make the purchase until you pay the purchase in full. See exceptions below.<br> • We will not charge you interest during a billing cycle on any purchases if: <ol type="1"> <li>You had no balance at the start of the billing cycle; OR</li> <li>You had a balance at the start of the billing cycle and you paid that balance in full by the due date in that billing cycle.</li> </ol> • We will credit, as of the start of the billing cycle, any payment you make by the due date that we allocate to purchases if: <ol type="1"> <li>You had no balance at the start of the previous billing cycle; OR</li> <li>You had a balance at the start of the previous billing cycle and you paid that balance in full by the due date in the previous billing cycle.</li> </ol> </td> </tr> <tr> <th>How We Calculate Interest</th> <td>We figure the interest charge on your account separately for each balance type. We do this by applying the daily rate to the daily balance for each day in the billing cycle. A separate daily balance is calculated for the following balance types, as applicable: purchases and balances subject to different interest rates, plans or special promotions. See below for how this works.<br> 1. How to get the daily balance. We take the starting balance each day, add any new charges and fees, and subtract any payments or credits. Credit insurance premiums and debt cancellation fees, if any, are not included in the daily balance. This gives us the daily balance. Late payment fees are treated as new purchases.<br> 2. How to get the daily interest amount. We multiply each daily balance by the daily rate that applies.<br> 3. How to get the starting balance for the next day. We add the daily interest amount in step 2 to the daily balance from step 1.<br> 4. How to get the interest charge for the billing cycle. We add all the daily interest amounts that were charged during the billing cycle.<br> We charge a minimum interest charge in any billing cycle in which you owe interest. This charge is added proportionately to each balance type. See the accompanying Pricing Information Addendum for the amount of your minimum interest charge. </td> </tr> </table> How Fees Work <table> <tr> <th>Late Payment Fee</th> <td>We will charge this fee if we do not receive the total minimum payment due on your account by 5 p.m. (ET) on the due date. See the accompanying Pricing Information Addendum for the amount of the fee.</td> </tr> </table> Minimum Payment Calculation See the accompanying Variable Terms Addendum for how the total minimum payment is calculated. Special Promotional Financing Offer Information At times, we may offer you special financing promotions for certain transactions ("special promotions"). The terms of this Agreement apply to any special promotions. However, any special promotional terms that are different than the terms in this Agreement will be explained on promotional advertising. Below is a description of certain special promotions that may be offered: <table> <tr> <th>• No Interest if Paid in Full Within 6 Months</th> <td>For each promotion, if the promotional purchase is not paid in full within the promotional period, interest will be imposed from the date of purchase at the APR that applies to your account when the promotional purchase is made.</td> </tr> <tr> <th>• No Interest if Paid in Full Within 12 Months</th> <td>This APR will vary with the market based on the prime rate. See the accompanying Pricing Information Addendum for your purchase APR.</td> </tr> <tr> <th>• No Interest if Paid in Full Within 18 Months</th> <td></td> </tr> <tr> <th>• No Interest if Paid in Full Within 24 Months</th> <td></td> </tr> </table> When you make a qualifying purchase under one of the promotions shown immediately above, no interest will be assessed on the purchase if you pay the promotional purchase in full within the applicable promotional period. If you do not, interest will be assessed on the promotional purchase from the date of the purchase. Minimum monthly payments are required. OR <table> <tr> <th>No Interest for 24 Months</th> <td>For each promotion, after the promotion ends, the APR that applies to your account when the promotional purchase is made will apply.</td> </tr> <tr> <th>No Interest for 36 Months</th> <td>This APR will vary with the market based on the prime rate. See the accompanying Pricing Information Addendum for your purchase APR.</td> </tr> </table> When you make a qualifying purchase under one of the promotions shown immediately above, no interest will be assessed on the purchase during the promotional period and a unique monthly payment will be required equal to at least 4.1667% of your initial promo purchase amount for 24 month promotions, or 2.7778% of such amount for 36 month promotions. For all the promotion types shown above: Regular account terms apply to non-promotional purchases and, after promotion ends, to your promotional purchases. Offers are subject to credit approval. These promotional offers may not be available at all times for all purchases. Please see any special promotion advertising or other disclosures provided to you for the full terms of any special promotion offered. SECTION III: STANDARD PROVISIONS LOWE'S CREDIT CARD ACCOUNT AGREEMENT ABOUT THE CREDIT CARD AGREEMENT This Agreement. This is an Agreement between you and Synchrony Bank, 170 Election Road, Suite 125, Draper, UT 84020, for your credit card account shown above. By opening or using your account, you agree to the terms of the entire Agreement. The entire Agreement includes the four sections of this document and the application you submitted to us in connection with the account. These documents replace any other agreement relating to your account that you or we made earlier or at the same time. Parties To This Agreement. This Agreement applies to each accountholder approved on the account and each of you is responsible for paying the full amount due, no matter which one uses the account. We may treat each of you as one accountholder and may refer to each of you as "you" or "your". Synchrony Bank may be referred to as "we", "us" or "our." Changes To This Agreement. We may change, add or delete terms of this Agreement, including interest rates, fees and charges. Special Promotions. The terms of this Agreement apply to any special promotion. However, any special promotional terms that are different than the terms in this Agreement will be explained on promotional advertising or disclosures provided to you. HOW TO USE YOUR ACCOUNT/CARD Use Of Your Account. You may use your account only for lawful personal, family or household purposes. You may use your account for purchases from Lowe's locations, including on Lowes.com. In addition to making purchases from Lowe's in the United States, your card can also be used to make purchases from any Lowe's store in Canada (each such purchase, a "Canadian Purchase"). See the Important Information About Your Account section for additional terms that will apply to each Canadian Purchase. You Promise To Pay. You promise to pay us for all amounts owed to us under this Agreement. Your Responsibility. Each accountholder will receive a card. You may not allow anyone else to use your account. If you do, or if you ask us to send a card to someone else, you will be responsible for paying for all charges resulting from their transactions. Purchase Limits. To prevent fraud, we may limit the number or dollar amount of any type of purchases you can make in any particular amount of time. We also may decline any particular charge on your account for any reason. Credit Limit. You will be assigned a credit limit that we may increase or decrease from time to time. If we approve a purchase that makes you go over your credit limit, we do not give up any rights under this Agreement and we do not treat it as an increase in either limit. HOW AND WHEN TO MAKE PAYMENTS When Payments Are Due. You must pay at least the total minimum payment due on your account by 5 p.m. (ET) on the due date of each billing cycle. Payments received after 5 p.m. (ET) will be credited as of the next day. You may at any time pay, in whole or in part, the total unpaid balance without any additional charge for prepayment. If you have a balance subject to interest, earlier payment may reduce the amount of interest you will pay. We may delay making credit available on your account in the amount of your payment even though we will credit your payment when we receive it. Payment Options. You can pay by mail, online or at a Lowe's store. We may allow you to make payments over the phone but we will charge you a fee to make expedited phone payments. Your payment must be made in U.S. dollars by physical or electronic check, money order or a similar instrument from a bank located in the United States. How To Make A Payment. You must follow the instructions for making payments provided on your billing statement. If you do not, credit of your payment may be delayed up to five days. Your billing statement also explains how information on your check is used. Payment Allocation. We will apply the required total minimum payment to balances on your account using any method we choose. Any payment you make in excess of the required total minimum payment will be applied to higher APR balances before lower APR balances. Applicable law may require or permit us to apply excess payments in a different manner in certain situations, such as when your account has a certain type of special promotion. INFORMATION ABOUT YOU Using And Sharing Your Information. When you applied for an account, you gave us and Lowe’s Companies, Inc. information about yourself that we could share with each other. Lowe’s Companies, Inc. will use the information in connection with the credit program and for things like creating and updating its records and offering you special benefits. More information about how we use and share information is set forth in the privacy policy for your account. Address/Phone Change. You agree to tell us right away if you change your address or phone number(s). We will contact you at the address or phone number in our records until we update our records with your new address or phone number. Consent To Communications. You consent to us contacting you using all channels of communication and for all purposes. We will use the contact information you provide to us. You also consent to us and any other owner or servicer of your account contacting you using any communication channel. This may include text messages, automatic telephone dialing systems and/or an artificial or prerecorded voice. This consent applies even if you are charged for the call under your phone plan. You are responsible for any charges that may be billed to you by your communications carriers when we contact you. Telephone Monitoring. For quality control, you allow us to listen to and/or record telephone calls between you and us. IMPORTANT INFORMATION ABOUT YOUR ACCOUNT Closing Your Account. You may close your account at any time by sending a letter to the address shown on your billing statement or calling customer service. We may close your account at any time, for any reason. If your account is closed, you must stop using it. You must still pay the full amount you owe and this Agreement will remain in effect until you do. Collection Costs. If we ask an attorney who is not our salaried employee to collect your account, we may charge you our collection costs. These include court costs and reasonable attorneys' fees. Credit Bureau Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be shown in your credit report. Tell us if you think we reported wrong information about you to a credit bureau. Write to us at P.O. Box 965005, Orlando, FL 32896-5005. Tell us what information is wrong and why you think it is wrong. If you have a copy of the credit report that includes the wrong information, send us a copy. Default. You are in default if you make a late payment, do not follow any other term of this Agreement or become bankrupt or insolvent. If you default or upon your death, we may (a) request payment of the full amount due right away, (b) take legal action to collect the amounts owed, and/or (c) take any other action allowed. Disputed Amounts. The billing rights summary in section IV of this Agreement describes what to do if you think there is a mistake on your bill. If you send us correspondence about a disputed amount or payment, you must send it to the address for billing inquiries. We do not give up any rights under this Agreement if we accept a payment marked “payment in full” or given with any other conditions or limitations. Unauthorized Use. If your card is lost, stolen or used without your consent, call us immediately at 1-800-444-1408. You will not be liable for unauthorized use on your account, but you will be responsible for all use by anyone you give your card to or allow to use your account. Canadian Transactions. The following additional terms will apply to each Canadian Purchase. If you make or return a Canadian Purchase in Canadian dollars, we will convert the transaction amount into U.S. dollars using our currency conversion procedure. Under the currency conversion procedure that we currently use, the Canadian dollar transaction amount is converted into a U.S. dollar amount by multiplying the transaction amount in the Canadian dollar currency by a currency conversion rate. The currency conversion rate that we currently use is a prevailing foreign exchange rate selected in our discretion. The currency conversion rate that we use for a particular transaction is the rate in effect when we do the conversion. This rate may differ from the rate in effect when the Canadian Purchase or return occurred or when it was posted to your account, and may be higher or lower than the rate you could have gotten if you had converted U.S. dollars into Canadian dollars. Returns of Canadian Purchases will be subject to Lowe’s return policies. Under the return policies currently in effect, a Canadian Purchase can only be returned at a Lowe’s store in Canada and cannot be returned at a Lowe’s store in the United States. In the event that a United States Lowe’s store does permit the return or exchange of the Canadian Purchase, the Lowe’s store will not issue a credit to your account for the Canadian Purchase amount. For example, the United States Lowe’s store, in its discretion, may provide you with other merchandise, a gift card or cash in exchange for the Canadian Purchase. The Canadian Purchase amount will continue to be a part of your account balance, and you will remain responsible for paying the Canadian Purchase amount. IMPORTANT INFORMATION ABOUT THIS AGREEMENT Assignment. We may sell, assign or transfer any or all of our rights or duties under this Agreement or your account, including our rights to payments. We do not have to give you prior notice of such action. You may not sell, assign or transfer any of your rights or duties under this Agreement or your account. Enforceability. If any part of this Agreement is found to be void or unenforceable, all other parts of this Agreement will still apply. Governing Law. Except as provided in the Resolving a Dispute with Arbitration section, this Agreement and your account are governed by federal law and, to the extent state law applies, the laws of Utah without regard to its conflicts of law principles. This Agreement has been accepted by us in Utah. Waiver. We may give up some of our rights under this Agreement. If we give up any of our rights in one situation, we do not give up the same right in another situation. RESOLVING A DISPUTE WITH ARBITRATION PLEASE READ THIS SECTION CAREFULLY. IF YOU DO NOT REJECT IT, THIS SECTION WILL APPLY TO YOUR ACCOUNT, AND MOST DISPUTES BETWEEN YOU AND US WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A JURY WILL RESOLVE ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION WILL BE AVAILABLE; AND (4) APPEAL RIGHTS WILL BE LIMITED. 1. CLAIMS AND PARTIES. If either you or we make a demand for arbitration, you and we must arbitrate any dispute or claim between you (including any other user of your account), and us (including our parents, affiliates, agents, employees, officers, and assignees) that directly or indirectly arises from or relates to your account, your account Agreement or our relationship, except as noted below. In addition, AEO, Inc. and/or any assignee, agent, or service provider of ours that collects amounts due on your account are intended beneficiaries of this Arbitration section and may enforce it in full (notwithstanding any state law to the contrary). 2. This Arbitration section broadly covers claims, including counterclaims, based upon contract, tort, consumer rights, fraud and other intentional torts, negligence, constitution, statute, regulation, ordinance, common law and equity and claims for money damages and injunctive or declaratory relief, even if they arose before this section took effect. You may not sell, assign or transfer a claim. 3. Examples of claims subject to arbitration are disputes about an account transaction, fees, charges or interest, the events leading up to the Agreement (such as any disclosures, advertisements, promotions or oral or written statements, warranties or representations made by us), an application for or denial of credit, any product or service provided by us or third parties in connection with the Agreement, credit reporting, benefit programs related to your account including any reward program, the collection of amounts due by our assignees, service providers, or agents and the manner of collection. 4. However, we will not require you to arbitrate any individual case in small claims court or your state’s equivalent court, so long as it remains an individual case in that court. Also, even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or any claim later asserted by a party in any related or unrelated lawsuit, including modifying an individual claim to assert a class, representative or multi-party claim. Arbitration may be requested at any time, even where there is a pending lawsuit, unless a trial has begun, or a final judgment entered. 5. Only a court will decide disputes about the validity, enforceability, coverage or scope of this Arbitration section or any part thereof. However, any dispute that concerns the validity or enforceability of the Agreement as a whole is for the arbitrator to decide. 6. NO CLASS ACTIONS. IF EITHER YOU OR WE ELECT TO ARBITRATE A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT (A) TO PARTICIPATE IN A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION OR OTHER REPRESENTATIVE ACTION IN COURT OR IN ARBITRATION, EITHER AS A CLASS REPRESENTATIVE OR CLASS MEMBER, OR (B) TO JOIN OR CONSOLIDATE CLAIMS WITH CLAIMS OF ANY OTHER PERSONS EXCEPT ACCOUNTHOLDERS ON YOUR ACCOUNT. THUS, YOU MAY NOT BRING CLAIMS AGAINST US ON BEHALF OF ANY ACCOUNTHOLDER WHO IS NOT AN ACCOUNTHOLDER ON YOUR ACCOUNT, AND YOU AGREE THAT ONLY ACCOUNTHOLDERS ON YOUR ACCOUNT MAY BE JOINED IN A SINGLE ARBITRATION WITH ANY CLAIM YOU HAVE. 7. PROCEDURES. The party who wants to arbitrate must notify the other party in writing. This notice can be given after the beginning of a lawsuit or in papers filed in the lawsuit. Otherwise, your notice must be sent to Synchrony Bank, Legal Operation, P.O. Box 28110, Shawnee Mission, KS 66201-5320, ATTN: ARBITRATION DEMAND. The party seeking arbitration must select either the American Arbitration Association (AAA), 120 Broadway, Floor 21, New York, NY 10271, www.adr.org, or JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com, to administer the arbitration. If neither administrator can handle the dispute, a court with jurisdiction will appoint an arbitrator. 8. The arbitration administrator will appoint the arbitrator and will tell the parties what to do next. The arbitrator must be a lawyer with at least ten years of legal experience. The arbitrator must apply the same law, consistent with the Federal Arbitration Act (FAA), that would apply to an individual action in court, but may use different procedural rules. The arbitrator will apply the same statutes of limitation and privileges that a court would apply if the matter were pending in court. 9. The arbitrator may award any damages or other relief or remedies that would apply under applicable law to an individual action brought in court, including, without limitation, punitive damages (governed by the Constitutional standards employed by the courts) and injunctive, equitable and declaratory relief (but only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim). The parties will bear the fees and costs of their attorneys, witnesses and experts. However, the arbitrator will have the authority to award fees and costs of attorneys, witnesses and experts to the extent permitted by the Agreement, the administrator’s rules or applicable law. 10. The arbitration will take place by phone or at a location reasonably convenient to you. If you ask, we will pay all the fees the administrator or arbitrator charges if you cannot obtain a waiver of fees from the administrator and are acting in good faith. We will pay arbitration costs required by the administrator’s rules or that are necessary for this Arbitration section to be enforced. Notwithstanding the foregoing, you will be required to advance half of all administrative fees and arbitrator’s fees (and to be responsible for payment of such fees to the extent not advanced) if you pursue arbitration as part of a group of similar arbitrations, or if you otherwise seek to participate in a mass arbitration proceeding. If an arbitration already in process is later determined to be part of a mass arbitration proceeding, we shall have the right to request that the arbitrator order you to reimburse us for fees already paid or advanced. 11. GOVERNING LAW. This Arbitration section is governed by the FAA. Utah law shall apply to the extent state law is relevant under the FAA, unless otherwise stated herein. The arbitrator’s award will be final and binding, except for any appeal right under the FAA. Any court with jurisdiction may enter judgment upon the arbitrator’s award. The arbitration award and any judgment confirming it will apply only to the specific case and cannot be used in any other case except to enforce the award. 12. SURVIVAL. This Arbitration section shall survive the repayment of all amounts owed, the termination, cancellation or suspension of the Agreement or your account or credit privileges, any legal proceeding, and any bankruptcy by you, to the extent consistent with applicable bankruptcy law. If this Arbitration section conflicts with the applicable arbitration rules or the other provisions of the Agreement, this Arbitration section shall govern. 13. SEVERABILITY. If any portion of this Arbitration section is held to be invalid or unenforceable, the remaining portions shall nevertheless remain in force with the following two exceptions. First, if a determination is made that the “No Class Actions” provision is unenforceable, and that determination is not reversed on appeal, then this Arbitration section shall be void in its entirety. Second, if a court determines that a public injunctive relief claim may proceed notwithstanding the “No Class Actions” provision, and that determination is not reversed on appeal, then the public injunctive relief claim will be decided by a court, and any individual claims will be arbitrated. The parties will ask the court to stay the public injunctive relief claim until the other claims have been finally concluded. 14. HOW TO REJECT ARBITRATION. You may reject this Arbitration section. If you do that, a court will resolve any dispute or claim. To reject this section, send us a notice within 45 days after you open your account or we first provided you with your right to reject this section. The notice must include your name, address, account number, and personal signature, and must be mailed to Synchrony Bank, P.O. Box 965012, Orlando, FL 32896-5012. This is the only way you can reject this section. Rejecting this Arbitration section will not affect any other provision of the Agreement. It will also not affect any prior arbitration agreement or dispute resolution provision between you and us, which will remain in full force and effect. If you don’t reject this Arbitration section, it will be effective as of the date of the Agreement and will supersede any prior arbitration agreement between you and us that would otherwise be applicable. SECTION IV: OTHER IMPORTANT INFORMATION LOWE’S CREDIT CARD ACCOUNT AGREEMENT This section of the agreement includes state notices, billing rights summary and rewards terms (if applicable) and is not required to be provided as part of the request for customer agreement. SYNCHRONY BANK VARIABLE TERMS ADDENDUM FOR YOUR LOWE'S CREDIT CARD ACCOUNT Minimum Payment: Your total minimum payment will be calculated as follows: A. The greater of: 1. $30, or $41 (which includes any past due amounts) if you have failed to pay the total minimum payment due by the due date in any one or more of the prior six billing cycles. OR 2. The sum of: (a) the following amounts, rounded up to the next highest whole dollar: (i) 1% of your new balance(excluding any balance associated with a special promotional purchase with a unique payment calculation) shown on your billing statement plus interest charged in the current billing cycle on such balance; PLUS (ii) Any past due amounts; PLUS (iii) Any late payment fees charged in the current billing cycle; PLUS (b) Any payment due in connection with a specific promotional purchase with a unique payment calculation; PLUS B. The monthly charges for any optional debt cancellation product you have elected to purchase for your account. Your total minimum payment will never be more than your new balance.