Jefferson Capital Systems LLC v. OTTO RICE

IN THE DISTRICT COURT OF HUGHES COUNTY, STATE OF OKLAHOMA JEFFERSON CAPITAL SYSTEMS LLC Plaintiff, -vs- OTTO RICE Defendant(s). Case No. CS-21e-38 PETITION FOR MONEY DUE FOR BREACH OF REVOLVING CREDIT CHARGE AGREEMENT Count I—Breach of Contract COMES NOW the Plaintiff and for its cause of action against the Defendant(s) states as follows: 1. That Plaintiff is a LIMITED LIABILITY COMPANY organized and existing under the laws of MINNESOTA; the debt sued upon arose in and Plaintiff’s cause of action accrued in the State of Oklahoma. 2. That at least one of the Defendant(s) reside(s) in or may be found in HUGHES County, Oklahoma and within the venue of this court. 3. Plaintiff is the holder of the Revolving Credit Charge Agreement ("Agreement") sued upon herein by virtue of the sale and assignment of said Agreement from THE BANK OF MISSOURI to various parties including and ultimately to Plaintiff. 4. That Defendant(s) was/were issued a credit account pursuant to the Defendant’s Agreement with THE BANK OF MISSOURI. 5. That Defendant either made written application to THE BANK OF MISSOURI for said credit card, or signed various credit charge slips, or both, thereby agreeing in writing to the terms and conditions of said Agreement. 6. That the Defendant(s) did utilize said credit or allow it to be used in the purchase of goods and services at various locations and thereby agreed to the terms and conditions of said Agreement at the time it was issued to Defendant(s) 7. That as a result of the use of said credit by Defendant(s), the Defendant(s) did accrue certain indebtedness on said revolving credit charge account pursuant to the Agreement. 8. That THE BANK OF MISSOURI fully performed under the terms of the Agreement. 9. That in accord with normal business practices, THE BANK OF MISSOURI mailed itemized monthly billing statements to Defendant. Defendant did not object to any of the charges made on the monthly statements at issue herein, in writing, for over sixty (60) days. 10. That Defendant accepted the charges shown on the monthly billing statements as demonstrated by Defendant’s continued use of the account, payments made on the account, and the absence of any attempt to cancel the agreement between Defendant and THE BANK OF MISSOURI despite having received the monthly billing statements for several months. 11. That Defendant(s) failed to perform under the terms of the revolving retail credit charge agreement and is therefore in breach. 12. That as a direct and proximate result of Defendant’s breach, THE BANK OF MISSOURI was damaged in the amount claimed of $1050.85. 13. Pursuant to Oklahoma statute, Plaintiff is entitled to reasonable attorney fees. 14. That Plaintiff, the current owner of the Agreement, has made demand upon the Defendant(s) for payment of the same, but the Defendant(s) failed and/or refused to pay. 15. Pursuant to the SCRA §201(b)(4), Plaintiff declares under penalty of perjury that Defendant(s) OTTO RICE is/are not in the Armed Forces for the United States, verified on 01/12/2026 via the U.S. Department of Defense website. WHEREFORE, Plaintiff prays for Judgment against Defendant(s) in the amount of: Amount claimed: $1050.85; Interest: at the rate of 8.75% per annum from the date of Judgment until paid; Attorney fees; All costs herein expended, including but not limited to court costs, sheriff’s fees, and any fees for service of the summons. Count II—Suit On Account COMES NOW the Plaintiff and pleads in the alternative for its cause of action against the Defendant(s) and states as follows: 1. Plaintiff restates and re-alleges each and every paragraph of Count I as if fully set forth herein. 2. That Plaintiff is a LIMITED LIABILITY COMPANY organized and existing under the laws of MINNESOTA. 3. That the cause of action herein accrued under the laws of the State of Oklahoma; at least one of the Defendant(s) reside(s) in or may be found in HUGHES County, Oklahoma and within the venue of this court. 4. That Defendant(s) is/are presently indebted on the account and claim herein in the amount claimed of $1050.85 for credit extended by THE BANK OF MISSOURI and used by the Defendant to purchase goods and/or services, hereinafter referred to as “items.” 5. That all sums owed to THE BANK OF MISSOURI are now due to the Plaintiff by virtue of assignment of said debt from THE BANK OF MISSOURI to various parties and ultimately to the Plaintiff. 6. That said credit was provided at the instance, request, and/or authorization of said Defendant(s). 7. That the prices charged for the extension of credit for the Defendant to purchase such items are and were in each case reasonable; that said prices were the amounts specifically agreed upon between THE BANK OF MISSOURI and Defendant(s), or in the alternative the usual and customary charges of THE BANK OF MISSOURI. 8. That Defendant(s) expressly, or in the alternative impliedly, promised and agreed to pay for said credit charges when due. 9. Pursuant to Oklahoma statute, Plaintiff is entitled to reasonable attorney fees. 10. That Plaintiff, the current owner of the Agreement, has made demand upon the Defendant(s) for payment of the same, but the Defendant(s) failed and/or refused to pay. 11. Pursuant to the SCRA §201(b)(4), Plaintiff declares under penalty of perjury that Defendant(s) OTTO RICE is/are not in the Armed Forces for the United States, verified on 01/12/2026 via the U.S. Department of Defense website. WHEREFORE, Plaintiff prays for Judgment against Defendant(s) in the amount of: Amount claimed: $1050.85; Interest: at the rate of 8.75% per annum from the date of Judgment until paid; Attorney fees; All costs herein expended, including but not limited to court costs, sheriff’s fees, and any fees for service of summons. Count III—Quantum Meruit COMES NOW the Plaintiff and pleads in the alternative for its cause of action against the Defendant(s) and states as follows: 1. Plaintiff restates and re-alleges each and every paragraph of Count I and Count II as if fully set forth herein. 2. That Plaintiff is a LIMITED LIABILITY COMPANY organized and existing under the laws of MINNESOTA. 3. That the cause of action herein accrued under the laws of the State of Oklahoma; at least one of the Defendant(s) reside(s) in or may be found in HUGHES County, Oklahoma and within the venue of this court. 4. That Defendant(s) is/are presently indebted on the account and claim herein in the amount claimed of $1050.85 for credit extended by THE BANK OF MISSOURI and used by the Defendant to purchase goods and/or services, hereinafter referred to as "items." 5. That the credit issued to Defendant to purchase said items was provided to and for Defendant(s). 6. That said credit was provided at the instance, request, and/or authorization of said Defendant(s). 7. That the prices charged for the extension of credit items are and were in each case reasonable; that said prices were the amounts specifically agreed upon between Creditor and Defendant(s), or in the alternative the usual and customary charges of said Creditor. 8. That Defendant(s) expressly, or in the alternative impliedly, promised and agreed to pay for said extension of credit immediately upon the providing thereof or promptly thereafter. 9. That Creditor has, by virtue of Sale and Assignment, transferred all causes of action against Defendant related to the facts and issues set forth herein to various parties including and ultimately to Plaintiff.. 10. Pursuant to Oklahoma statute, Plaintiff is entitled to reasonable attorney fees. 11. That Plaintiff, the current owner of the Cause of Action, has made demand upon the Defendant(s) for payment of the same, but the Defendant(s) failed and/or refused to pay. 12. Pursuant to the SCRA §201(b)(4), Plaintiff declares under penalty of perjury that Defendant(s) OTTO RICE is/are not in the Armed Forces for the United States, verified on 01/12/2026 via the U.S. Department of Defense website. WHEREFORE, Plaintiff prays for Judgment against Defendant(s) in the amount of: Amount claimed: $1050.85; Interest: at the rate of 8.75% per annum from the date of Judgment until paid; Attorney fees; All costs herein expended, including but not limited to court costs, sheriff’s fees and any fees for service of the summons. Respectfully Submitted, FABER AND BRAND L.L.C. BY: _____/s/ Michael L. Foster__ Michael L. Foster OK #20701 Jason P. Gubbins OK #22576 James M. Mucklestone OK #36520 P.O. Box 10110 Columbia, Missouri 65205-4000 (888) 233-3141 (573) 442-1072 FAX [email protected] ATTORNEY FOR PLAINTIFF THIS IS A COMMUNICATION FROM A DEBT COLLECTOR IN AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. F&B Acct. No: 580395 Affidavit of Account STATE OF MINNESOTA COUNTY OF BENTON Before me, the undersigned authority, personally appeared the individual whose name is subscribed below, and who, being by me duly sworn, deposed as follows: 1. "My name is Ashley Young. I am of sound mind, over the age of eighteen (18), have never been convicted of a felony or crime involving moral turpitude, and am capable of making this affidavit. I have personal knowledge of the facts herein stated as more fully set forth below." 2. "I am an Authorized Representative of Jefferson Capital Systems, LLC and in that capacity act as a Custodian of Records. These records are kept in the ordinary course of business. This affidavit pertains to the collection of a ASPIRE CREDIT CARD account number XXX0174, (the 'Account') owed by OTTO RICE the 'Defendant(s)'." 3. "Jefferson Capital Systems, LLC has acquired the Account pursuant to an assignment and is the owner and beneficiary of all rights, title and interest with regard to the Account, including the outstanding balance of the Account and any accrued interest thereon. The information transmitted to Jefferson Capital Systems, LLC in connection with its acquisition of the Account specifically described: (1) the obligation of the Defendant with regard to the Account, (2) the open date of the Account, (3) the charge-off balance of the Account after all payments, credits and offsets had been applied, (4) the applicable rate at which interest continues to accrue on the Account, and (5) other usage and identification information related to both the Defendant and to the Account. My testimony herein is based upon that information." 4. "On or about 10/05/2023, the Defendant made application to open the Account. Thereafter, the Defendant utilized the Account, or the proceeds thereof, and became obligated to repay the Account pursuant to its terms." 5. "'The Defendant did not repay the Account and has never made a payment on the Account." 6. "The Account was ultimately closed and charged-off, at which time there remained a balance due and owing on the Account that the Defendant has not paid." 7. "As of 10/20/2025, the reference date of this affidavit, the amount due and owing on the Account, after all just and lawful offsets, payments, and credits had been allowed, is $1,050.85." Ashley Young Custodian of Records SUBSCRIBED AND SWORN before me on OCT 27 2025, Notary Public CARLY E BRIGGS NOTARY PUBLIC - MINNESOTA My Comm. Exp. Jan. 31, 2029 EXHIBIT II BILL OF SALE For value received and in further consideration of the mutual covenants and conditions set forth in the Forward Flow Account Purchase Agreement (the “Agreement”) dated September 30, 2022 by and between The Bank of Missouri (“Seller”) and Jefferson Capital Systems, 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 the Accounts as set forth in the Account Schedule attached hereto as Exhibit I delivered by Seller to Buyer on each Closing Date, and as further described in the Agreement. Lot Number: Aggregate Unpaid Balance: Number of Accounts: DATED: June 20, 2024 SELLER: The Bank of Missouri By: ________________________________ Mark Barker (Jun 12, 2024 07:27 CDT) Name (print): Mark Barker Title: Chief Contract Services Officer Aspire Credit Card Summary of Account Activity Account Number **** **** **** 0174 Statement Closing Date May 20, 2024 Number of days in billing cycle 30 Total Credit Line $1,061.00 Available Credit $0 Overlimit Amount $0.00 Past Due Amount $112.00 Previous Balance $1,050.85 Payments $0.00 Credits $0.00 Purchases $0.00 Balance Transfers $0.00 Cash Advances $0.00 Interest Charged $0.00 Fees Charged $0.00 New Balance $1,050.85 Payment Information New Balance $1,050.85 Minimum Payment Due $128.00 Payment Due Date Jun 17, 2024 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>5 years</td> <td>$1,051.00</td> </tr> </table> If you would like information about credit counseling services, call 1-877-740-1191. Cardholder Services Payment Processing P.O. BOX 650832 DALLAS TX 75265-0832 Dispute Resolution P.O. BOX 105374 ATLANTA GA 30348-5374 Correspondence P.O. BOX 105555 ATLANTA GA 30348-5555 Account Inquiry (855) 802-5572 TTY Service (855) 921-5760 www.aspire.com Important News YOUR ACCOUNT IS SERIOUSLY PAST DUE $112.00. 2024 Year-to-Date Totals Total Fees Charged in 2024 $82.00 Total Interest Charged in 2024 $57.07 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. <table> <tr> <th>TYPE OF BALANCE</th> <th>ANNUAL PERCENTAGE RATE (APR)</th> <th>BALANCE SUBJECT TO INTEREST RATE</th> <th>INTEREST CHARGE</th> </tr> <tr> <td>Purchases</td> <td>0.00%</td> <td>$727.85</td> <td>$0.00</td> </tr> <tr> <td>Cash Advances</td> <td>0.00%</td> <td>$0.00</td> <td>$0.00</td> </tr> </table> PLEASE DETACH AND RETURN WITH YOUR PAYMENT SEE REVERSE SIDE FOR IMPORTANT INFORMATION Account Number: **** **** **** 0174 <table> <tr> <th>Minimum Payment Due</th> <th>Payment Due Date</th> <th>New Balance</th> </tr> <tr> <td>$128.00</td> <td>06/17/2024</td> <td>$1,050.85</td> </tr> </table> Amount Enclosed $[ ][ ][ ][ ]. [ ][ ] Make checks payable to Aspire Check here and complete reverse side for change of address □ Mail Payment To: PAYMENT PROCESSING P.O. BOX 650832 DALLAS TX 75265-0832 Annual Percentage Rate (APR) and Monthly Periodic Rate. When your Account has an outstanding balance, we compute interest using a monthly periodic rate. The monthly periodic rate is determined by dividing the annual percentage rate (APR) by 12. When your Account has an outstanding balance that is subject to interest rates, we will determine the amount of interest charged on each balance separately for each type of balance (e.g., separately for Purchases, for Cash Advances and for each balance subject to special terms such as Balance Transfers). For each type of balance, we take the beginning balance each day (including accrued but unpaid interest charges), add eligible new transactions (including purchases, cash advances and balance transfers) and any applicable fees, and subtract the applicable portion of any payments or credits, before adding interest and balance for each type of balance. Then, we add up all the daily balances for a particular type of balance for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the “average daily balance” for that type of balance. How to Avoid Paying Interest You can avoid interest on purchases that are not subject to a special promotion if you pay the entire non-promotional balance (in addition to any required minimum payment on promotional balances) by the due date each month. Your due date is at least 25 days after the close of each billing cycle. There is no grace period in which to avoid interest on cash advances. Deferred Interest Balances. If you have an interest under a special Deferred Interest Plan promotion, we will calculate interest for each cycle as described above. To avoid paying interest you must pay the total purchase amount and accrued fees and charges that are subject to deferred interest (“Promotional Balance”) in full by the last day of the promotional period as shown in the Deferred Interest Charge Calculation notice on the front of this statement. Making only minimum monthly payments during the promotional period will result in paying your Promotional Balance by the last day of the promotional period. If you do not pay your Promotional Balance in full by such date, then the interest that has accrued from the date of purchase through and including the last day of the promotional period (Deferred Interest Charge) will be added to your regular Purchase balance. Special Promotions. We may from time to time offer special promotions when you use your Account for certain transactions. These special promotions will have some terms that are different from your regular terms. Please refer to any special promotion advertising (including in-store signs or other disclosures provided to you) for the full terms of any special promotion offered. Except as specifically modified for a special promotion, all other terms of the credit agreement governing your Account will apply to such transactions. Annual Renewal. If the front of this statement contains a message that an Annual Fee will be billed in your next billing cycle, you can avoid paying this Annual Fee by paying your outstanding balance in full and sending written notification of termination within 30 days to: Account Services, P.O. Box 105555, Atlanta, Georgia 30348-5555. If you do not notify us within 30 days, the Annual Fee is nonrefundable to the extent not prohibited by law. This fee is owed whether or not you use your account, and you agree to pay it when billed. Automatic Payments. If you have enrolled in our standard Automatic Payment Plan (APP), you authorize us to initiate electronic funds transfers (EFTs) by debit entry drawn on the bank account, debit card or credit card that you identify to us from time to time (Bank Account), in the amount of (i) your requested minimum payment (excluding any overlimit amount) and/or (ii) your Statement Balance, as designated by you from time to time, when due. If you have a Deferred Interest Plan and you enroll in our APP, you will need to make one or more additional payments by mail or by phone to avoid interest. Because the minimum payment due calculation does not include any overlimit amount, you will need to make an additional payment for any amount that your Account is overlimit. Your Account will remain open and may continue to incur interest at any time, and continue Customer Service at the number listed on the information or account card. You must give notice of termination in such a manner and sufficiently in advance to give us and your depository institution a reasonable opportunity to act. See your cardholder agreement for additional terms, conditions and fees related to the APP. Alternative Payment Methods. If you know that we will be unable to process a scheduled automatic payment for any reason, then to avoid a late payment charge, you must promptly send a certified check or money order to the “Payment Address” shown on the front of this statement, or, if offered, you may take advantage of any pay by phone or online payment service that we may make available from time to time. If you make an alternative payment by postal mail or by pay by phone or online service while we are enrolled in an automatic payment plan, we may treat such payment as an “additional” payment and continue to process your next automatic payment plan payment as scheduled or, at our option, we may reduce your next automatic payment to the amount of any such additional payment received, if possible. Making Physical Payments. You may pay by paper check or other written instrument, all payments, except disputed amounts, must be mailed or delivered to the address for payments shown on this statement. Payments received at the address on the payment coupon by 6:00 p.m. Central Time, Monday through Friday (except legal holidays), will be credited to your Account as of that date. Payments must be received with a payment coupon in the enclosed return envelope. If payments are received at another location without a payment coupon, crediting of those payments to your Account may be delayed. Notice About Electronic Check Conversion. When you provide a paper check as payment, you authorize us to use information on 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. Prepayment. You may pay your total indebtedness or any part thereof at any time without incurring any prepayment charge. Late Payment Fee. If you do not make your Minimum Payment on or before the Payment Due Date shown on this statement, we may apply a Late Payment Fee. Postdated Checks, Restricted Endorsement Checks and Other Disputed or Qualified Payments. You agree not to send us partial payments made “on time in full,” “without recourse,” or similar language. If you send such a payment, we may accept it without losing any of our rights under this Agreement. All notices and written communications concerning postdated checks, restricted endorsement checks (including any check or other payment instrument that indicates that the payment constitutes “payment in full” of the amount owed or that is tendered with other conditions or limitations or as full satisfaction of a disputed amount) or any other disputed, nonconforming or qualified payments, must be mailed or delivered to Dispute Resolution, P.O. Box 105374, Atlanta, GA 30348-5374. We may accept late, postdated or partial payments without losing any of our rights under the credit agreement governing your Account. A postdated check is a check dated later than the day it was actually presented for payment.) We are under no obligation to hold a postdated check and we reserve the right to process a postdated check as dated if dated the same date received by us or our check processor unless you give us adequate notice and a reasonable opportunity to act on it. Except where such notice and opportunity is given, you may not hold us liable for deposits on late or postdated checks. Negative Credit Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults in your account may be reflected in your credit report. What To Do If You Think You Find A Mistake On Your Statement. If you think there is an error on your statement, write us at: Account Services Dispute Resolution P.O. Box 105374 Atlanta, GA 30348-5374 In your letter, give us the following information: • Account information. Your name and account number. • Dollar amount. The dollar amount of the suspected error. • Date. The time period in which you believe the error occurred. • Description of the error. If you believe there is an error on your bill, describe what you believe is wrong and why you believe it is wrong. You must contact us within 60 days after the error appeared on your statement and at least 3 business days before an automated payment is scheduled. If you want to stop payment on the amount you think is wrong. You must notify us of any potential errors 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. What We Will Do After We Investigate Whether or not there has been an error, the following are true: • We will investigate your complaint and respond within 90 days and in some cases within 3 business days, unless we need more time. In that case, we will tell you why we need more time, and how long it will take. • If we determine that there is an error, we will correct it at once. If your dispute is not resolved in your favor, you are entitled to receive $100. We will correct the error on this statement or another one sent to you. • While you等待 the investigation, you are entitled to a temporary credit until we resolve the matter if it is related to: the amount charged for goods, services or fees for which you did not receive; inaccurate acctual charges; or charges for which the bank is not responsible. • While this investigation is underway, you are entitled to a temporary credit equal to the amount you believe is in question if: the charge is for a transaction you did not authorize; the bank has not investigated an error and determined it not to be an error; or the bank has determined that you are not liable for the amount of the transaction. 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 while the problem is being investigated. 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 is 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 yet not 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: Account Services Dispute Resolution P.O. Box 105374 Atlanta, GA 30348-5374 While we investigate, the same rules apply to the disputed amount 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 it, we may report you as delinquent. Credit Balances. Any credit balance on your account (indicated by a “CR” on the front of this statement) is money we owe you. You can make charges against this amount, or request a full refund of this amount by returning it to us at Account Services, P.O. Box 105555, Atlanta, Georgia 30348-5555. Any amount not charged against your account within one year or upon request that is over $1 (equal to or in excess of $1 if you live in MA or any amount is NY) will be refunded automatically within six months after the credit balance was created (within four billing cycles in MD). Monitoring And Recording. To ensure that you receive quality service, you agree that we may record all phone calls. These calls, between you and our representatives, are evaluated by supervisors. It is our goal to provide prompt, consistent assistance and deliver accurate information in a professional manner. Communicating With You. Consent To Contact By Electronic And Other Means. We may contact you for a variety of reasons, including for the collection of amounts owed to us and for the offering of products or services in accordance with our Privacy Notice in effect from time to time. No such contact will be deemed unsolicited. To the greatest extent not prohibited by applicable law, we may (i) contact you at any address or telephone number (including wireless cellular telephone, VoIP or ported landline telephone number) that you may provide us from time to time; (ii) use any means of transmission, including, but not limited to, postal mail, electronic mail, telephone or other technology, to reach you; (iii) use automated messages or announcements devices which may play recorded messages; and (iv) send text messages to your telephone. You may contact us at any time to ask that we not contact you using any one or more methods or technologies. You may also select several kinds of contacts by using the Opt Out Form attached to our Privacy Notice. Debt Collection. If the words shown on the front side that your Account is delinquent or past due, then this is an attempt to collect a debt and any information obtained will be used for that purpose. Illinois Residents. Upon request, we will provide you with a summary of the total amount charged to your Account over the year within 30 days after the year’s end or termination of your Account. This account is issued by The Bank of Missouri, Perryville, MO. CHARGE OF ADDRESS Account Number Address City Home Telephone State Zip Code Work Telephone CUSTOMER STATEMENT OF DISPUTED ITEMS – PLEASE PRINT IN INK If you have a transaction appearing on your statement that you believe is in error, please complete and sign this form (or a copy of this form) and return it with your payment, fax to 770-870-5198 or mail to Dispute Resolution, P.O. Box 105374, Atlanta, GA 30348-5374. If necessary include additional details on a separate sheet. Posting Date _______/_______/________ Amount $________ Merchant Name/Description ____________________________ By signing below I certify that (Please check the appropriate box) • The charges indicated were not made by me or a person authorized by me to use my card, nor were the goods or services represented by the transaction received by me or a person authorized by me. (If you do not recognize a transaction, please choose this option.) • I have not received the merchandise. On ________________, I requested that the merchant credit my account. • I was issued a credit slip which was not posted on my statement. A copy of my credit slip or postal return slip is enclosed. • The charge in question was a single transaction, but was posted twice to my account. (Please note on what dates the sale in question posted to your account?) • The merchandise shipped to me arrived damaged and/or defective. I have returned it and requested a credit. A copy of the return receipt is enclosed. • _______ Other. Please include all details on a separate sheet, including: cancellation numbers, proof of return invoices and correspondence to merchant, and submit with this form. Signature ___________________________ Date _____/_____/__________ O1AA1187 - 02/05/2024 Aspire Credit Card Summary of Account Activity Account Number 0174 Statement Closing Date November 20, 2023 Number of days in billing cycle 31 Total Credit Line $700.00 Available Credit $0 Overlimit Amount $145.26 Past Due Amount $25.00 Previous Balance $688.17 Payments $0.00 Credits $0.00 Purchases $109.25 Balance Transfers $0.00 Cash Advances $0.00 Interest Charged $22.84 Fees Charged $25.00 New Balance $845.26 Payment Information New Balance $845.26 Minimum Payment Due $218.10 Payment Due Date Dec 17, 2023 Late Payment Warning: If we do not receive your minimum payment by the Payment Due Date shown above, you may have to pay up to a $41.00 late fee. 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>3 years</td> <td>$1,228.00</td> </tr> </table> If you would like information about credit counseling services, call 1-877-740-1191. Cardholder Services Payment Processing Dispute Resolution Correspondence Account Inquiry www.aspire.com P.O. BOX 650832 P.O. BOX 105374 P.O. BOX 105555 (855) 802-5572 TTY Service (855) 921-5760 DALLAS TX 75265-0832 ATLANTA GA 30348-5374 ATLANTA GA 30348-5555 Important News YOUR ACCOUNT IS PAST DUE $25.00. THIS AMOUNT IS INCLUDED IN YOUR MINIMUM PAYMENT. Transaction Summary <table> <tr> <th>TRANS DATE</th> <th>POST DATE</th> <th>DESCRIPTION OF TRANSACTION</th> <th>AMOUNT</th> </tr> <tr> <td>10/20/23</td> <td>10/21/23</td> <td>DOLLAR GENERAL #24558 EUFAULA OK</td> <td>$6.06</td> </tr> <tr> <td>10/25/23</td> <td>10/25/23</td> <td>KWICK STOP #69 EUFAULA OK</td> <td>$2.79</td> </tr> <tr> <td>11/02/23</td> <td>11/02/23</td> <td>PHILLIPS 66 - FIESTA M EUFAULA OK</td> <td>$100.40</td> </tr> </table> Fees Charged <table> <tr> <th>TRANS DATE</th> <th>POST DATE</th> <th>DESCRIPTION OF TRANSACTION</th> <th>AMOUNT</th> </tr> <tr> <td>11/17/23</td> <td>11/17/23</td> <td>LATE PAYMENT CHARGE</td> <td>$25.00</td> </tr> <tr> <td></td> <td></td> <td>TOTAL FEES FOR THIS PERIOD</td> <td>$25.00</td> </tr> </table> Interest Charged <table> <tr> <th>TRANS DATE</th> <th>POST DATE</th> <th>DESCRIPTION OF TRANSACTION</th> <th>AMOUNT</th> </tr> <tr> <td>11/20/23</td> <td>11/20/23</td> <td>INTEREST CHARGE PURCHASE</td> <td>$22.84</td> </tr> </table> PLEASE DETACH AND RETURN WITH YOUR PAYMENT SEE REVERSE SIDE FOR IMPORTANT INFORMATION Account Number: **** **** **** 0174 Minimum Payment Due | Payment Due Date | New Balance $218.10 | 12/17/2023 | $845.26 Amount Enclosed $ Make checks payable to Aspire Check here and complete reverse side for change of address ☐ Mail Payment To: PAYMENT PROCESSING P.O. BOX 650832 DALLAS TX 75265-0832 Annual Percentage Rate (APR) and Monthly Periodic Rate. When your Account has an outstanding balance, we will calculate interest using a monthly periodic rate. The monthly periodic rate is determined by dividing the annual percentage rate by 12. Balance Subject to Interest Rate. We find the interest charge on your Account by applying the applicable monthly periodic rate to the “average daily balance” of your Account. We calculate the average daily balance separately for each type of balance (e.g., separately for Purchases, for Cash Advances, and for any balance subject to special terms such as Balance Transfers). For each type of balance, we take the beginning balance each day (including accrued but unpaid interest charges), add eligible new transactions (including purchases, cash advances and balance transfers) and any applicable fees, and subtract the applicable portion of any payments. This gives us the daily balance for each type of balance. Then, we add up all the daily balances for a particular type of balance for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the “average daily balance” for that type of balance. How to Avoid Paying Interest: You can avoid interest on purchases that are subject to a special promotion if you pay the entire non-promotional balance (in addition to any required minimum payment on promotional balances) by the due date each month. Your due date is at least 25 days after the close of each billing cycle. There is no time period in which to avoid interest on cash advances. Deferred Interest Charges. If you make a purchase under a special Deferred Interest Plan promotion, we will calculate interest for each cycle and charge it. To avoid such interest you must pay the total purchase amount and accrued fees and charges that are subject to interest (other than Promotional Balance) in full by the last day of the promotional period as shown in the Deferred Interest Charge Calculation notice on the front of this statement. Making only minimum monthly payments during the promotional period will not pay off your Promotional Balance in full by the last day of the promotional period. If you do not pay your Promotional Balance in full by such date, then the interest that has accrued from the date of purchase through the last day of the promotional period (Deferred Interest Charge) will be added to your regular Purchase Charge balance at that time. Special Promotions. We may from time to time offer special promotions when you use your Account for certain transactions. These special promotions will have some terms that are different from other regular terms. Please refer to any special promotion advertising (including in-store signs or other disclosures provided to you) for the full terms of any special promotion offered. Except as specifically modified for a special promotion, all other terms of the credit agreement governing your Account will apply to such transactions. Annual Renewal. If the front of this statement contains a message that an Annual Fee will be billed in your next billing cycle, you can avoid paying this Annual Fee by paying your outstanding balance in full and sending written notification of termination within 30 days to: Account Services, P.O. Box 105555, Atlanta, Georgia 30348-5555. If you do not notify us within 30 days, the Annual Fee is nonrefundable to the extent not prohibited by law. This fee is owed whether or not you use your account; and you agree to pay it when billed. Automatic Payments. If you enrolled in the Automatic Payment Plan you authorize us to initiate electronic funds transfer (“EFT”) by debit entries drawn on the bank account, debit or credit card you have identified to us in your application for this Account or any other account that you identify to us from time to time in the amount of your required minimum payment. If you have a Deferred Interest Plan and you enroll in our Automatic Payment Plan, you will need to make one or more additional payments by mail or by phone to avoid interest. To avoid additional charges, in any month in which any automatic payment amount is less than your Minimum Payment due, you understand and agree that we may deduct or withdraw your entire Minimum Payment rather than the designated fixed payment amount. If your New Balance is less than your fixed amount you designate, only the New Balance will be deducted. You may change the payment amounts or be removed from the plan at any time by notifying us in writing or by calling Customer Service at the number listed on the front of this statement. You must give notice of termination in such a manner and sufficiently in advance to give us and your depository institution a reasonable opportunity to act. Please see the ACH Authorization you signed for additional terms and conditions. Alternative Payment Methods. If you know that we will be unable to process a scheduled automatic payment for any reason, then to avoid a late payment charge, you must promptly send a certified check or money order to the “Payment Address” shown on the front of this statement, or, if offered, you may take advantage of any pay by phone or online payment service that we may make available to you from time to time. If you make an alternative payment by postal mail, please pay by phone or online service while you are enrolled in an automatic payment plan, we may treat such payment as an additional payment and process your next automatic payment plan payment as scheduled or may reduce your next automatic payment plan payment by the amount of any such additional payment received. Making Physical Payments. If you pay by paper check or other written instrument, all payments, except deposits, must be mailed or delivered to us at the address for payments shown on this statement. Payments received before 5:00 p.m. Eastern Time, Monday through Friday (except legal holidays), will be credited to your Account as of the date received. Payments must be received with a payment coupon in the enclosed return envelope. All payments are received at any other location without a payment coupon, crediting of those payments to your Account cannot be guaranteed. Notice About Electronic Check Conversion. When you provide a paper check as payment, you authorize us 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 payment, 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. Prepayment. You may pay your total indebtedness or any part thereof at any time without incurring any prepayment charge. Late Payment Fee. If you do not make your Minimum Payment or before the Payment Due Date shown on this statement, we may apply a Late Payment Fee. Postdated Checks, Restrictive Endorsement Checks and Other Disputed or Qualified Payments. You agree not to pay or accept postdated payments marked “paid in full,” “without recourse,” or similar language. If you send such a payment, we may accept it without losing any of our rights under this Agreement. All notices and written communications concerning postdated checks, restrictive endorsement checks (including any check or other payment instrument) indicates that the payment constitutes “payment in full” of the amount owed or that tendered with other conditions or limitations or as full satisfaction of a disputed amount) or any other disputed, nonconforming or qualified payments, must be mailed or delivered to Dispute Resolution, P.O. Box 105374, Atlanta, GA 30348-5374. We may accept late, postdated or partial payments without losing any of our rights under the credit agreement governing your Account. (A postdated check is a check dated later than the day it was actually presented for payment.) We are under no obligation to honor a postdated check and we reserve the right to process every item presented as if dated the same date recorded by us or our check processor unless you give us adequate notice and a reasonable opportunity to act on it. Except where such notice and opportunity is given, you may not hold us liable for depositing any postdated check. Negative Credit Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults in your account may be reflected in your credit report. 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: Account Services Dispute Resolution P.O. Box 105374 Atlanta, GA 30348-5374 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 and at least 3 business days before automated payment is scheduled, if you want to stop payment on the amount you think is wrong. • You must notify us of any potential errors 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 any potential errors, or if 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, we 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 may 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 is necessary if the 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: Account Services Dispute Resolution P.O. Box 105374 Atlanta, GA 30348-5374 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 the amount, we may report you as delinquent. Credit Balances. Any credit balance on your account (indicated by a “CR” on the front of this statement) is money we owe you. You can make charges against this amount, or request a full refund of this amount by writing to: Account Services, P.O. Box 105555, Atlanta, Georgia 30348-5555. Any amount not charged against or refunded upon request that is over $1 (equal to or in excess of $1 if you live in MA or any amount in NY) will be refunded automatically within six months after the credit balance was created (within four billing cycles in MD). Monitoring And Recording. To ensure that you receive quality service, you agree that we may record all phone calls. These calls between you and our representatives, are evaluated by supervisors. It is our goal to provide prompt, consistent assistance and deliver accurate information in a professional manner. Communicating With You; Consent to Contact By Electronic And Other Means. We may contact you for any purpose related to banking for the collection of amounts owed to us and for the offering of products or services in compliance with the Fair Debt Collection Practices Act. We may (i) contact you at any address or telephone number (including wireless cellular telephone, VoIP or other random or unknown telephone number) that you may provide to us from time to time; (ii) use any means of communication, including but not limited to postal mail, electronic mail, telephone or other technology, to reach you; (iii) use automatic dialing and announcement devices which may play recorded messages; and (iv) send text messages to your telephone. You may contact us at any time to ask that we not contact you using any one or more methods or technologies. You may also request the deletion of contacts by using the Opt Out Form attached to our Privacy Notice. Debt Collections. If there is a message on the front side that your Account is delinquent or past due, then this is an attempt to collect a debt and any information obtained will be used for that purpose. Illinois Residents. Upon request, we will provide you with a summary of the total amount charged to your Account over the year within 30 days after the year’s end or termination of your Account. This account is issued by The Bank of Missouri, Perryville, MO. Rev.7-5-2023 CHANGE OF ADDRESS CUSTOMER STATEMENT OF DISPUTED ITEMS – PLEASE PRINT IN INK If you have a transaction appearing on your statement that you believe is in error, please complete and sign this form (or a copy of this form) and return it with your payment, fax to 770-870-5195 or mail to Dispute Resolution, P.O. Box 105374, Atlanta, GA 30348-5374. If necessary, include additional details on a separate sheet. Posting Date_____/_____/______ Amount $_________ Merchant Name/Description _____________________________________________________________ By signing below, I certify that (Please check the appropriate box.) [ ] The charges indicated was/were not made by me or a person authorized by me to use my card, nor were the goods or services represented by the transaction received by me or a person authorized [ ] By Mail: (If you do not recognize a transaction, please choose this option.) I have not received the merchandise. On _______/_______/_______, I requested that the merchant credit my account. I was issued a credit slip which was not posted on my statement. A copy of my credit slip or postal return slip is enclosed. The charge in question was a single transaction, but was posted twice to my account. (Please note on what dates the sale in question posted to your accounts.) The merchandise shipped to me arrived damaged and/or defective. I have returned it and requested a credit. A copy of the return receipt is enclosed. Other: Please include all details on a separate sheet, including: cancellation numbers, proof of return, invoices and correspondence to merchant, and submit with this form. Signature_____________________________________________ Date_____/_____/______ <table> <tr> <th>Interest Charged (Continued)</th> <th></th> <th></th> <th></th> </tr> <tr> <td>TRANS DATE</td> <td>POST DATE</td> <td>DESCRIPTION OF TRANSACTION TOTAL INTEREST FOR THIS PERIOD</td> <td>AMOUNT</td> </tr> <tr> <td colspan="4">2023 Year-to-Date Totals</td> </tr> <tr> <td colspan="3">Total Fees Charged in 2023</td> <td>$200.00</td> </tr> <tr> <td colspan="3">Total Interest Charged in 2023</td> <td>$22.84</td> </tr> <tr> <th colspan="4">Interest Charge Calculation</th> </tr> <tr> <td colspan="4">Your Annual Percentage Rate (APR) is the annual interest rate on your account.</td> </tr> <tr> <th>TYPE OF BALANCE</th> <th>ANNUAL PERCENTAGE RATE (APR)</th> <th>BALANCE SUBJECT TO INTEREST RATE</th> <th>INTEREST CHARGE</th> </tr> <tr> <td>Purchases</td> <td>36.00%</td> <td>$761.42</td> <td>$22.84</td> </tr> <tr> <td>Cash Advances</td> <td>36.00%</td> <td>$0.00</td> <td>$0.00</td> </tr> </table>