Portfolio Recovery Associates, LLC v. Ted Dunham

IN THE DISTRICT COURT OF OKLAHOMA COUNTY STATE OF OKLAHOMA PORTFOLIO RECOVERY ASSOCIATES, LLC, Plaintiff, vs. TED DUNHAM Defendant(s). Case No. 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 XXXXXXXXXXXXXXX2246. 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 11/29/23, the balance due at time of default is as follows $11,708.51. 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 $11,708.51. 7. The date of the last payment made by the Defendant(s) is April 8, 2023. 8. Plaintiff seeks court costs, and for such further relief as the Court may deem proper in the premises. WHEREFORE, Plaintiff, PORTFOLIO RECOVERY ASSOCIATES, LLC prays for judgment against the Defendant(s), TED DUNHAM in the amount of $11,708.51, 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 priceline® Priceline Rewards™ Visa® Signature Card Statement TED DUNHAM |Account Ending 2246| Statement Period 10/12/23 - 11/11/23 Page 1 of 5 Account Activity Previous Balance as of 10/12/23 $11,459.85 Payments + $10.00 Fees Charged + $40.00 Interest Charged + $208.66 Statement Balance as of 11/11/23 = $11,708.51 Past Due = $2,277.73 APR Details begin on page 3 in the Interest Charge Calculation section Transaction details begin on page 3. Credit Line Total Revolving Credit Line $0.00 Includes $0.00 cash advance line Available Revolving Credit Line $0.00 as of 11/11/23 Available for cash advances $0.00 Overlimit Amount $1,608.51 Points Summary Points Earned This Period 0 Total Points Balance 0 For details see page 5 Payment Information Statement Balance: $11,708.51 Minimum Payment Due: $2,640.98 Payment Due Date: 12/08/23 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>23 years</td> <td>$27,006.00</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 $2,277.73 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: pricelinerewardsvisa.com Barclays Mobile App 866-951-1446 Statement Balance as of 11/11/23 (account ending 2246) $11,708.51 Minimum Payment Due: (includes $2,277.73 past due amount) $2,640.98 Payment Due Date: Amount Enclosed: $5 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 866-951-1440 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 866-951-1440 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 pricelinerewardsvisa.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, 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 866-951-1440. 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 pricelinerewardsvisa.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 a 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 pricelinerewardsvisa.com to set up your payments. Mobile: To download the Barclays Mobile App text MOBILL to 60956.* Phone: Call us at 866-951-1440 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. * 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 RUMIT 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 on Purchases in any given billing cycle if you pay your Statement Balance in full by the Payment Due Date. 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 least your Minimum Payment Due.) If you have a promotional APR offer(s) on your Account, you can avoid paying interest on non-promotional Purchases without paying your Statement Balance in full. If this applies to your Account, you will see a Paragraph titled "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 non-promotional Purchase 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 Priceline Rewards™ Visa® Signature Card Statement TED DUNHAM | Account Ending 2246 | Statement Period 10/12/23 - 11/11/23 Page 3 of 5 IMPORTANT REMINDER: VERIFY AND UPDATE YOUR ACCOUNT INFORMATION NOW. Periodically, as part of our Know Your Customer (KYC) program - a requirement of the USA PATRIOT Act - we'll ask you to verify and update the personal information on your account. This includes your name, address, authorized users (if any) and your country of citizenship. Please take a few minutes to verify your information now by logging in to your account online at pricelinerewardsvisa.com and clicking "Review and update your profile", or call us using the number on the back of your card. If you have recently verified your data online or through our customer care center, please disregard this reminder. Transactions <table> <tr> <th>Transaction Date</th> <th>Posting Date</th> <th>Description</th> <th>Points</th> <th>Amount</th> </tr> <tr> <td colspan="4">Payments</td> <td></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 TED DUNHAM card ending 2246</td> <td></td> </tr> <tr> <td colspan="4">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> </table> To see activity after this statement period, visit pricelinerewardsvisa.com 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> <td></td> </tr> <tr> <td>Nov 08</td> <td>Nov 08</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> <td></td> </tr> <tr> <td>Nov 11</td> <td>Nov 11</td> <td>Interest Charge On Purchases</td> <td>$20.66</td> </tr> <tr> <td>Nov 11</td> <td>Nov 11</td> <td>Interest Charge On Balance Transfers</td> <td>$188.00</td> </tr> <tr> <td colspan="4">Total interest for this period</td> <td>$208.66</td> </tr> </table> 2023 Year-to-Date Totals Total fees charged in 2023 $269.00 Total interest charged in 2023 $1,693.19 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>Projected Rate and Rate</th> <th>Current Projected Amortization Rate</th> <th>Annual Percentage Rate (APR)</th> <th>Interest Charge</th> <th>Days in Billing Cycle : 31</th> </tr> <tr> <td>Purchases</td> <td>-</td> <td>$1,145.33</td> <td>21.24%(v)</td> <td>$20.66</td> </tr> </table> continued on page 5 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 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 Priceline Rewards™ Visa® Signature Card Statement TED DUNHAM |Account Ending 2246 |Statement Period 10/12/23 - 11/11/23 Page 5 of 5 <table> <tr> <th>Type of Balance</th> <th>Promotion Interest Rate</th> <th>Balances Subject to Interest Rate</th> <th>Annual Percentage Rate (APR)</th> <th>Interest Charge</th> </tr> <tr> <td colspan="5"><b>Balance Transfers</b></td> </tr> <tr> <td>Standard Balance Transfer/Checks</td> <td>-</td> <td>$10,420.28</td> <td>21.24% (v)</td> <td>$188.00</td> </tr> <tr> <td colspan="5"><b>Cash Advances</b></td> </tr> <tr> <td>Standard Cash Advance</td> <td>-</td> <td>$0.00</td> <td>29.99% (v)</td> <td>$0.00</td> </tr> <tr> <td colspan="5">Total</td> <td>$208.66</td> </tr> </table> (i) 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. AVOIDING INTEREST ON PURCHASES [GRACE PERIOD] (EXCLUDING EASY PAY PROMOTIONAL BALANCES): If you have a 0% promotional APR on 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 have Purchase balances (excluding Easy Pay) with an APR greater than 0% and you also have other promotional balances on your Account, you can avoid paying interest on your Purchases (excluding Easy Pay) by paying $11,708.51 (this amount includes any Minimum Payment Due required to avoid a late fee). Please refer to the "Accrual of Interest and How to Avoid Paying Interest on Purchases" paragraph on the back of this Statement for further detail. Points Details: <table> <tr> <th>Beginning Points balance</th> <td>0</td> </tr> <tr> <th>Points earned on priceline purchases</th> <td>0</td> </tr> <tr> <th>Ending Points balance</th> <td>0</td> </tr> </table> EXHIBIT 2 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 Date: 11/12/2024 | 4:49 PM EST PURCHASER: Portfolio Recovery Associates, LLC 120 Corporate Boulevard Norfolk, VA 23502 By: [Signature] Title: Authorized Signer Date: 11/12/2024 | 4:50 PM EST ACCOUNT_NUMBER **********2246 ADD ACCT NUM1 ADD ACCT NUM2 ADD ACCT NUM3 ADD ACCT NUM4 ADD ACCT NUM5 ADD ACCT NUM6 ADD ACCT NUM7 ADD ACCT NUM8 ADD ACCT NUM9 ADD ACCT NUM10 ADD ACCT NUM11 ADD ACCT NUM12 ADD ACCT NUM13 ADD ACCT NUM14 ADD ACCT NUM15 ADD ACCT NUM16 ADD ACCT NUM17 ADD ACCT NUM18 ADD ACCT NUM19 ADD ACCT NUM20 ADD ACCT NUM21 ADD ACCT NUM22 ADD ACCT NUM23 ADD ACCT NUM24 ADD ACCT NUM25 ADD ACCT NUM26 ADD ACCT NUM27 ADD ACCT NUM28 ADD ACCT NUM29 ADD ACCT NUM30 ADD ACCT NUM31 ADD ACCT NUM32 ADD ACCT NUM33 ADD ACCT NUM34 ADD ACCT NUM35 ADD ACCT NUM36 ADD ACCT NUM37 ADD ACCT NUM38 ADD ACCT NUM39 ADD ACCT NUM40 ADD ACCT NUM41 ADD ACCT NUM42 ADD ACCT NUM43 ADD ACCT NUM44 ADD ACCT NUM45 <table> <tr> <th>ACCT ID</th> <td>************5645</td> </tr> <tr> <th>SOCIAL_SECURITY_NUMBER</th> <td>********************</td> </tr> <tr> <th>CONS_NAME</th> <td>TED DUNHAM</td> </tr> <tr> <th>DATE_OF_BIRTH</th> <td>*/**/1965</td> </tr> <tr> <th>NAME_ADDRESS_ORIG_IND</th> <td>I</td> </tr> <tr> <th>CONS_ADDRESS</th> <td>12401 OAK TREE LN</td> </tr> <tr> <th>CONS_CITY</th> <td>JONES</td> </tr> <tr> <th>CONS_STATE</th> <td>OK</td> </tr> <tr> <th>CONS_ZIP</th> <td>'73049</td> </tr> <tr> <th>HOME_PH</th> <td>********************</td> </tr> <tr> <th>BUSI_PH</th> <td>********************</td> </tr> <tr> <th>ALT_PH</th> <td>********************</td> </tr> <tr> <th>COAPP_LIABLE_FLAG</th> <td></td> </tr> <tr> <th>COAPP_SSN</th> <td></td> </tr> <tr> <th>COAPP_DATE_OF_BIRTH</th> <td></td> </tr> <tr> <th>COAPP_NAME_FULL</th> <td></td> </tr> <tr> <th>COAPP_ADDRESS</th> <td></td> </tr> <tr> <th>COAPP_HM_PH</th> <td></td> </tr> <tr> <th>COAPP_BS_PH</th> <td></td> </tr> <tr> <th>COAPP_CITY</th> <td></td> </tr> <tr> <th>COAPP_STATE</th> <td></td> </tr> <tr> <th>COAPP_ZIP</th> <td></td> </tr> <tr> <th>OPEN_DATE</th> <td>6/15/2021</td> </tr> <tr> <th>LAST_PMNT_DT_NOTNSF</th> <td>4/8/2023</td> </tr> <tr> <th>LAST_PMNT_POST_DT_NOTNSF</th> <td>4/9/2023</td> </tr> <tr> <th>LAST_PMNT_AMT_NOTNSF</th> <td>256.27</td> </tr> <tr> <th>LAST_PMNT_DT_NOTNSF_BFR_DLQ</th> <td>4/8/2023</td> </tr> <tr> <th>LAST_PMNT_POST_DT_NOTNSF_BFR_DLQ</th> <td>4/9/2023</td> </tr> <tr> <th>LAST_PMNT_AMT_NOTNSF_BFR_DLQ</th> <td>256.27</td> </tr> <tr> <th>CHARGE_OFF_DATE</th> <td>11/29/2023</td> </tr> <tr> <th>CHARGE_OFF_BALANCE</th> <td>11708.51</td> </tr> <tr> <th>POST_CO_INTEREST_BALANCE</th> <td>0</td> </tr> <tr> <th>POST_CO_FEE_BALANCE</th> <td>0</td> </tr> <tr> <th>BUYER_PURCH_BALANCE</th> <td>11708.51</td> </tr> <tr> <th>SUM_POST_CO_CRED</th> <td>0</td> </tr> <tr> <th>SUM_POST_CO_DEBIT</th> <td>0</td> </tr> <tr> <th>SUM_POST_CO_PMNTS</th> <td>0</td> </tr> <tr> <th>SUM_POST_CO_INT_ACCR</th> <td>0</td> </tr> <tr> <th>SUM_POST_CO_FEE_ACCR</th> <td>0</td> </tr> <tr> <th>LAST_PUR_AMT_NOCA</th> <td>39.18</td> </tr> </table> <table> <tr> <th>LAST PUR DATE NOCA</th> <td>4/15/2023</td> </tr> <tr> <th>CASH APR</th> <td>0</td> </tr> <tr> <th>PURCHASE APR</th> <td>0</td> </tr> <tr> <th>FIRST PAY DEFAULT</th> <td>N</td> </tr> <tr> <th>CO PRINBAL</th> <td>9918.42</td> </tr> <tr> <th>CO FEE</th> <td>269</td> </tr> <tr> <th>CO FC</th> <td>1521.09</td> </tr> <tr> <th>PRODUCT TYPE</th> <td>VI</td> </tr> <tr> <th>AFFINITY</th> <td>Priceline</td> </tr> <tr> <th>ORIGINAL LENDER NAME</th> <td>Barclays Bank Delaware</td> </tr> <tr> <th>ORIGINAL_LENDER_ADDRESS</th> <td>100 South West Street Wilmington, DE 19801</td> </tr> <tr> <th>CREDITOR AT CO NAME</th> <td>Barclays Bank Delaware</td> </tr> <tr> <th>CREDITOR_AT_CO_ADDRESS</th> <td>100 South West Street Wilmington, DE 19801</td> </tr> <tr> <th>TRANSFER DATE</th> <td></td> </tr> <tr> <th>NUM 3RD AGENCIES</th> <td>2</td> </tr> <tr> <th>CPC</th> <td>PRL</td> </tr> <tr> <th>CREDIT LIMIT</th> <td>10100</td> </tr> <tr> <th>REG</th> <td>PR</td> </tr> <tr> <th>FYD STMNT</th> <td>N/A</td> </tr> </table> EXHIBIT 3 Important Information About Your Credit Card Account Your Cardmember Agreement With Us Your Billing Rights Retain for your records CARDMEMBER AGREEMENT: Introduction: This Agreement establishes the terms of your credit card account ("Account") with Barclays Bank Delaware in Wilmington, Delaware. Please read this Agreement carefully before signing below and keep a copy for your records. If you obtain another Barclays Bank Delaware card (the "Card"), if you have not already done so. All extensions of credit in connection with your Account are being made by Barclays Bank Delaware through this Agreement. Using Your Account/Acceptance of These Terms You acknowledge receipt of this Agreement. Every statement, consent and none of the fees on this Account (except as otherwise provided herein) will apply unless you use the Account if your Account has an Annual Fee (see the Account Summary Table for a description), then you must pay this fee within 28 days following the Posting Date of the amount charged to your Account or must send us notice that you do not wish to use your Account for such fee. If you use your Card, you will not be responsible for paying the Annual Fee. By signing, keeping, using or otherwise accepting this Agreement, you thereby agree to abide by the terms of this Agreement. You agree that we may debit your Account for any reasonable charges or fees associated with the use or misuse of your Card including but not limited to: (i) balance transfers or cash advances; (ii) returns; (iii) charges or fees related to unauthorized transactions; (iv) charges or fees related to a transaction charged to your Card or Account in connection with any transaction that is prohibited or unenforceable under applicable law (including but not limited to any transaction which violates consumer protection laws); (v) charges or fees related to your failure to return a Card at our request; (vi) charges or fees related to your failure to notify us of a change in your address or other information required by applicable law; (vii) charges or fees related to your failure to notify us of a change in your address or other information required by applicable law; (viii) charges or fees related to your failure to notify us of a change in your address or other information required by applicable law; (ix) charges or fees related to your failure to notify us of a change in your address or other information required by applicable law; (x) charges or fees related to your failure to notify us of a change in your address or other information required by applicable law; (xi) charges or fees related to your failure to notify us of a change in your address or other information required by applicable law; (xii) charges or fees related to your failure to notify us of a change in your address or other information required by applicable law; (xiii) charges or fees related to your failure to notify us of a change in your address or other information required by applicable law; (xiv) charges or fees related to your failure to notify us of a change in your address or other information required by applicable law; (xv) charges or fees related to your failure to notify us of a change in your address or other information required by applicable law; (xvi) charges or fees related to your failure to notify us of a change in your address or other information required by applicable law; (xvii) charges or fees related to your failure to notify us of a change in your address or other information required by applicable law; (xviii) charges or fees related to your failure to notify us of a change in your address or other information required by applicable law; (xix) charges or fees related to your failure to notify us of a change in your address or other information required by applicable law; (xx) other charges or fees related to the use or misuse of your Card or Account in violation of this Agreement. Federal Reserve Regulations If we see a capitalized term in this document but do not define the term in this document, the term has the meaning as used in your Account summary table. Agreement: This Agreement replaces the Account Summary Table and any changes we make to this document, from time to time. Any changes to this Agreement will be effective immediately upon posting to our web site. The Account summary table contains the current rates, fees, and interest charges for your Account. If we change these or any other terms or conditions governing your Account, we will notify you in writing. If we do not notify you in writing, your Account number(s) or other credit device(s). Balance Transfer Charge: The use of a Balance Transfer Check (Balance Transfer) includes the Transaction Fees associated with any Balance Transfer Check. Examples of when a Transfer Fee is not assessed: (a) when you send us a check or money order; (b) when you notify us that you want a Balance Transfer Charge included in your next payment; (c) when you notify us that you want a Balance Transfer Charge included in your next payment; (d) when you notify us that you want a Balance Transfer Charge included in your next payment; (e) when you notify us that you want a Balance Transfer Charge included in your next payment; (f) when you notify us that you want a Balance Transfer Charge included in your next payment; (g) when you notify us that you want a Balance Transfer Charge included in your next payment; (h) when you notify us that you want a Balance Transfer Charge included in your next payment; (i) when you notify us that you want a Balance Transfer Charge included in your next payment; (j) when you notify us that you want a Balance Transfer Charge included in your next payment; (k) when you notify us that you want a Balance Transfer Charge included in your next payment; (l) when you notify us that you want a Balance Transfer Charge included in your next payment; (m) when you notify us that you want a Balance Transfer Charge included in your next payment. Cash Advance: Cash Advance means the use of your Card or Account number to obtain money order, travelers checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, 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foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign currency, lottery tickets, claims checks, checks, foreign 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You agree that you will not try to make a Purchase, use a Check, Initiate a Quicken Transfer or obtain a Cash Advance (if you have not already done so). If we discover you have already tried to make such a transaction, we may close your Account at any time if we do, you will lose all funds in your Account, and any balance on the next statement will be considered as new charges. If your Account is closed, we reserve the right to collect all further charges and fees owed under your Agreement and to charge any additional charges incurred during the period before the Account is closed. Notices to You All notices to you will be sent to the address shown in our file. If this is a New Account, we may send billing statements and other information to either of your addresses as indicated by the information you provided us. We may contact you by mail, phone, fax, e-mail or in person. If we send a notice to you by e-mail, we will assume that you have received it if we receive confirmation from your service provider that you opened the e-mail. If you receive two notices, one by mail and one by electronic mail, we will send your next notice by the same method as your most recent notice. If we send a notice via regular mail, we will consider your delivery complete when the letter is delivered according to the U.S. Postal Service's "final delivery" rules. If we send a notice via electronic mail, we will consider your delivery complete when we receive confirmation from your service provider that you opened the message. Notices will be sent to you for your Account unless you tell us otherwise in writing. You must notify us in writing if you want us to change how we notify you about transactions and changes to your Account. Help With Bills If you have difficulty paying your bills, we may let you add or reduce one or more monthly payments during a grace period (which will continue to recur) or offer help in arranging agreements for installment payments. Words such as "skip", "special feature" or similar terms may refer to these optional options. When the skip or special feature ends, your regular term will resume. Credit Union Information We may provide information about your Account to other credit unions. These credit unions may report this information in connection with their services to you. We may also provide you with a copy of this report upon request within 30 days after receiving your request and your account statement. This report will not include information about your Account balances or charges other than those related to your Credit Union Account. Card/Electronic Communications In the regular course of business, we may monitor and record phone conversations made or received by our employees or our representatives with you regarding your Account. Our employees or representatives may use automated dialing equipment to call you or others to verify transactions or collect payments. We may also monitor and record calls or conversations on our website between you and our employees or representatives using Web-based services. We may also record calls or conversations on our website between you and others, including merchants, if you agree to record your call. We may record calls or messages from our affiliates and independent contractors, including service providers, collections agencies, and third parties who collect payments for your purchases. In addition, we may record calls or messages from outside vendors, including collection agencies, and other parties who collect payments for your purchases. We may use these records for training, quality assurance, compliance, and other business purposes. Communications If you give us telephone numbers where we can reach you and if you are not a minor, we may contact you by telephone for Account-related reasons, including to verify your identity or about potential fraudulent transactions. If we contact you by telephone, we will not use an automatic dialing device or an artificial or prerecorded voice to contact you. If you provide us with a cell phone number, text messages may be sent to that number. If you choose to set up automatic transfers, payments, or other arrangements at one of our locations, which does not allow us to call you directly, we may still be able to communicate with you indirectly through other means, including but not limited to, fax or telecopier, email or internet communications, including but not limited to, fax or telecopier, email or internet communications. If you provide us with a cell phone number, text messages may be sent to that number. If you choose to set up automatic transfers, payments, or other arrangements at one of our locations, which does not allow us to call you directly, we may still be able to communicate with you indirectly through other means, including but not limited to, fax or telecopier, email or internet communications. Changes This Agreement may be changed without notice to you, except as required by law. Changes affecting certain product features will be explained at that time. We reserve the right to change fees, interest rates, and other terms and conditions. If any changes affect your rights under this Agreement, we will notify you by posting them online. If the change is significant, we will send you a notice telling you about the change and giving you a chance to stop using the Account if you do not like the change. Once the change goes into effect, it will apply to all open and closed Accounts. You may stop using the Account at any time. If you stop using the Account, you will lose all funds in your Account. To close your Account, you must write to us at P.O. Box 61509, Wilmington, DE 19899-1509 or visit one of our branches. Please do not send cash or checks. If you stop using the Account, you will lose all funds in your Account. To close your Account, you must write to us at P.O. Box 61509, Wilmington, DE 19899-1509 or visit one of our branches. Please do not send cash or checks. Payment Collections The funds in your Account may be applied to your overdrafts and late payments. If your Account has an overdraft balance, we may collect funds from your Account to pay off the overdraft. If your Account has a late payment, we may collect funds from your Account to pay off the late payment. Your Account may be reopened after payment of the overdue amount(s). Our Rights Continue We reserve the right to exercise any of our rights under this Agreement whenever we feel necessary. To Honor Your Card or Checks Except as otherwise required by applicable law or regulation, we will not be responsible for mismatches between purchased or leased items and the actual items you receive. Direct Debit Processing We can accept listed payments, partial payments, check returns, and new purchase payments by electronic means (including electronically generated checks) via direct debit. Direct debit payments are subject to any limits you may have agreed to. If you have agreed to automatic transfer payments, you will be responsible for paying the amount transferred from any bank or credit card account used to establish it. If any amount is returned by your bank, the payment will be treated as a return payment and you will be liable for any amount that is not paid. Our Rights Continue We reserve the right to exercise any of our rights under this Agreement whenever we feel necessary. Electronic Check Conversion We may authorize the payment of funds from your Account utilizing a check. You authorize us either to use the information from your check to make a withdrawal from your bank account or to replace the check. The payment will be posted to your Account within three business days of the date your check is received. If your check is rejected or returned, you will be responsible for paying the amount that was not paid. Payments That Are Returned or Not Authorized If your payment is returned by your bank or not authorized, we will assess a fee against your Account. If your payment is returned or not authorized, we will assess a fee against your Account. Payment Allocation Subject to applicable law, unless you specify otherwise, we will allocate any amount over your minimum payment to the highest APR balance first. Payments up to the minimum payment will be applied to our discretion until all other charges are reduced or eliminated. Any remaining funds will be applied first to your Easy Pay Balances. Assignment We may assign this Agreement or any rights or obligations under this Agreement or any other agreement to whom we make any such assignment or sale shall be entitled to all of our rights under this Agreement to the extent assigned. Governing Law THIS AGREEMENT AND YOUR ACCOUNT WILL BE GOVERNED BY THE LAWS OF THE STATE OF DELAWARE AND ANY APPLICABLE FEDERAL LAW. All Rights to Questions About Your Account You may obtain any information concerning your Account at Barclays Bank Delaware, by visiting the website on which your account balance is posted, or by calling Barclaycard Customer Service at 1-866-634-9322. If you have any questions about your Account, please contact Barclays Bank Delaware at P.O. Box 61509, Wilmington, DE 19899-1509 or call us at 1-866-634-9322. You may also request that we provide you with the address and telephone number of the entity that handled your inquiry, if we have that information. Please note that Barclays Bank Delaware is not responsible for any information or actions taken by another entity relating to your Account. However, we cannot ensure that all information or actions taken by another entity relating to your Account will comply with our investigation procedures. We may require you to provide us with certain information and to comply with our investigation procedures. We may also limit the information we provide you about our investigation proceedings and your rights under this Agreement. You should review the terms of any agreement that you enter into with any other entity or individual in connection with this Agreement. Arbitration This Arbitration Section does not apply to you if you are subject to the protections of the Military At the option of either you or us, any claim, dispute or controversy ("Claim") by either you or us against the other arising from or related to the Agreement, including contract, tort (excluding intentional tort), fraud, or misrepresentation claims and any Claim for breach of warranty (without limitation) based on contract, tort (including intentional tort) or misrepresentation, whether arising in contract, tort, or otherwise, arbitration provision or the validity of the entire Agreement, shall be resolved by final and binding arbitration conducted in accordance with the rules then prevailing of the American Arbitration Association ("AAA"). Any Award awarded in the arbitration proceeding will be final and binding upon both parties to the arbitration and may only be reviewed for errors of law. You and we agree that any Claim involving more than one party must be heard as a single action in the court where the AAA Administrator is located. Any Claim that involves more than one party or party-in-interest shall be heard as a combined arbitration proceeding, and all parties involved in the same proceeding shall be required to arbitrate, and each party shall be entitled to have such proportionate share of the costs and expenses as determined by the arbitrator. You and we agree that the arbitrator shall decide whether an Award may be set aside or vacated for any reason provided by applicable law. Any Award rendered in such proceeding will be final and binding upon both parties to the arbitration. The arbitration agreement is made pursuant to a framework developed by the Federal Arbitration Act, which requires you to consent to an agreement in writing to submit to arbitration any present or future controversy between you and us, as described below. If you object to the agreement, you may notify us in writing at P.O. Box 61509, Wilmington, DE 19899-1509. If your objection is not received within thirty days of the notice of objection set forth above, you will be deemed to have consented to arbitration. This arbitration agreement applies to all Claims now in existence or that may arise in the future, and it survives the termination of the Agreement; provided, however, that any Claim that involves more than one party must be heard as a single action in the court where the AAA Administrator is located. The AAA Rules provide that a panel of three arbitrators is required unless the parties otherwise agree. Judgment on the arbitrator's Award may be entered in any court having jurisdiction. Judgment on the arbitrator's Award may be entered in any court having jurisdiction. An Award may be set aside or vacated for any reason provided by applicable law. If you desire arbitration, you must provide us with the notice required by the Administrator's rules and procedures. The notice may be sent to us at Barclaycard Delaware, P.O. Box 61509, Wilmington, DE 19899-1509. If your objection is not received within thirty days of the notice of objection set forth above, you will be deemed to have consented to arbitration. We will pay, or reimburse you for, all fees or costs in the extent required by law or the rules of the applicable arbitrator. Any claim, dispute or controversy ("Claim") by either you or us against the other arising from or related to the Agreement, including contract, tort (excluding intentional tort), fraud, or misrepresentation claims and any Claim for breach of warranty (without limitation) based on contract, tort (including intentional tort) or misrepresentation, whether arising in contract, tort, or otherwise, arbitration provision or the validity of the entire Agreement, shall be resolved by final and binding arbitration conducted in accordance with the rules then prevailing of the American Arbitration Association ("AAA"). Any Award awarded in the arbitration proceeding will be final and binding upon both parties to the arbitration and may only be reviewed for errors of law. You and we agree that any Claim involving more than one party must be heard as a single action in the court where the AAA Administrator is located. Any Claim that involves more than one party or party-in-interest shall be heard as a combined arbitration proceeding, and all parties involved in the same proceeding shall be required to arbitrate, and each party shall be entitled to have such proportionate share of the costs and expenses as determined by the arbitrator. You and we agree that the arbitrator shall decide whether an Award may be set aside or vacated for any reason provided by applicable law. Any Award rendered in such proceeding will be final and binding upon both parties to the arbitration. The arbitration agreement is made pursuant to a framework developed by the Federal Arbitration Act, which requires you to consent to an agreement in writing to submit to arbitration any present or future controversy between you and us, as described below. If you object to the agreement, you may notify us in writing at P.O. Box 61509, Wilmington, DE 19899-1509. If your objection is not received within thirty days of the notice of objection set forth above, you will be deemed to have consented to arbitration. This arbitration agreement applies to all Claims now in existence or that may arise in the future, and it survives the termination of the Agreement; provided, however, that any Claim that involves more than one party must be heard as a single action in the court where the AAA Administrator is located. The AAA Rules provide that a panel of three arbitrators is required unless the parties otherwise agree. Judgment on the arbitrator's Award may be entered in any court having jurisdiction. Judgment on the arbitrator's Award may be entered in any court having jurisdiction. An Award may be set aside or vacated for any reason provided by applicable law. If you desire arbitration, you must provide us with the notice required by the Administrator's rules and procedures. The notice may be sent to us at Barclaycard Delaware, P.O. Box 61509, Wilmington, DE 19899-1509. If your objection is not received within thirty days of the notice of objection set forth above, you will be deemed to have consented to arbitration. We will pay, or reimburse you for, all fees or costs in the extent required by law or the rules of the applicable arbitrator. Any claim, dispute or controversy ("Claim") by either you or us against the other arising from or related to the Agreement, including contract, tort (excluding intentional tort), fraud, or misrepresentation claims and any Claim for breach of warranty (without limitation) based on contract, tort (including intentional tort) or misrepresentation, whether arising in contract, tort, or otherwise, arbitration provision or the validity of the entire Agreement, shall be resolved by final and binding arbitration conducted in accordance with the rules then prevailing of the American Arbitration Association ("AAA"). Any Award awarded in the arbitration proceeding will be final and binding upon both parties to the arbitration and may only be reviewed for errors of law. You and we agree that any Claim involving more than one party must be heard as a single action in the court where the AAA Administrator is located. Any Claim that involves more than one party or party-in-interest shall be heard as a combined arbitration proceeding, and all parties involved in the same proceeding shall be required to arbitrate, and each party shall be entitled to have such proportionate share of the costs and expenses as determined by the arbitrator. You and we agree that the arbitrator shall decide whether an Award may be set aside or vacated for any reason provided by applicable law. Any Award rendered in such proceeding will be final and binding upon both parties to the arbitration. The arbitration agreement is made pursuant to a framework developed by the Federal Arbitration Act, which requires you to consent to an agreement in writing to submit to arbitration any present or future controversy between you and us, as described below. If you object to the agreement, you may notify us in writing at P.O. Box 61509, Wilmington, DE 19899-1509. If your objection is not received within thirty days of the notice of objection set forth above, you will be deemed to have consented to arbitration. This arbitration agreement applies to all Claims now in existence or that may arise in the future, and it survives the termination of the Agreement; provided, however, that any Claim that involves more than one party must be heard as a single action in the court where the AAA Administrator is located. The AAA Rules provide that a panel of three arbitrators is required unless the parties otherwise agree. Judgment on the arbitrator's Award may be entered in any court having jurisdiction. Judgment on the arbitrator's Award may be entered in any court having jurisdiction. An Award may be set aside or vacated for any reason provided by applicable law. If you desire arbitration, you must provide us with the notice required by the Administrator's rules and procedures. The notice may be sent to us at Barclaycard Delaware, P.O. Box 61509, Wilmington, DE 19899-1509. If your objection is not received within thirty days of the notice of objection set forth above, you will be deemed to have consented to arbitration. We will pay, or reimburse you for, all fees or costs in the extent required by law or the rules of the applicable arbitrator. Any claim, dispute or controversy ("Claim") by either you or us against the other arising from or related to the Agreement, including contract, tort (excluding intentional tort), fraud, or misrepresentation claims and any Claim for breach of warranty (without limitation) based on contract, tort (including intentional tort) or misrepresentation, whether arising in contract, tort, or otherwise, arbitration provision or the validity of the entire Agreement, shall be resolved by final and binding arbitration conducted in accordance with the rules then prevailing of the American Arbitration Association ("AAA"). Any Award awarded in the arbitration proceeding will be final and binding upon both parties to the arbitration and may only be reviewed for errors of law. You and we agree that any Claim involving more than one party must be heard as a single action in the court where the AAA Administrator is located