Portfolio Recovery Associates, LLC v. George White

25-46210-0 ZO1 010 IN THE DISTRICT COURT OF CANADIAN COUNTY STATE OF OKLAHOMA Portfolio Recovery Associates, LLC, Plaintiff, vs. George White, Defendant. No. CS-2026-422 LORY K. DEWEY PETITION FOR INDEBTEDNESS COMES NOW the Plaintiff, by and through its undersigned attorneys who hereby enter their appearance herein, and for its cause of action against the defendants alleges and states as follows: 1. SYNCHRONY BANK, provided credit to the defendant on account number XXXXXXXXXXXX0367. The Defendant defaulted on the obligation. The account has been assigned to Plaintiff. 2. Defendant owes Plaintiff $1,004.40. An Affidavit of Account and/or contract is attached hereto and incorporated by reference. WHEREFORE, Plaintiff prays for Judgment against the Defendant in the sum of $1,004.40, plus all court costs, accrued and accruing; and for such other relief as the Court may deem just and proper. Synchrony Bank P.O. Box 71782 Philadelphia, PA 19176-1782 GEORGE WHITE 212 SW 23RD ST EL RENO, OK 73036-5912 04/30/2023 RE: CareCredit Account Number: 52430xxxxxx0367 Account Balance at Time of Sale: 1,270.40 Dear GEORGE WHITE, This letter is to inform you that the above-referenced account was sold to Portfolio Recovery Associates, LLC on 04/22/2023. If you have any questions about this account, please contact: Portfolio Recovery Associates, LLC P.O. Box 12914, Norfolk, VA 23541 800-772-1413 https://www.portfoliorecovery.com/ Sincerely, Synchrony Bank CARECREDIT REWARDS MASTERCARD GEORGE WHITE Account Number: [REDACTED] 0367 Statement Closing Date: 02/13/2023 Summary of Account Activity <table> <tr> <th colspan="2">Summary of Account Activity</th> <th colspan="2">Payment Information</th> </tr> <tr> <td>Previous Balance</td> <td>$1,229.40</td> <td>New Balance</td> <td>$0.00</td> </tr> <tr> <td>+ New Purchases</td> <td>$0.00</td> <td>Total Minimum Payment Due</td> <td>$443.00</td> </tr> <tr> <td>+ Cash Advance</td> <td>$0.00</td> <td>Payment Due Date</td> <td>02/15/2023</td> </tr> <tr> <td>- Payments</td> <td>$0.00</td> <td colspan="2">PAYMENT DUE BY 5 P.M. EASTERN ON THE DUE DATE.</td> </tr> <tr> <td>+/- Credits, Fees & Adjustments (net)</td> <td>($1,229.40)</td> <td colspan="2">We may convert your payment into an electronic debit. See reverse side.</td> </tr> <tr> <td>+/- Interest Charge (net)</td> <td>$0.00</td> <td colspan="2">Late Payment Warning: If we do not receive your Total Minimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee up to $41.00.</td> </tr> <tr> <td>New Balance</td> <td>$0.00</td> <td></td> <td></td> </tr> <tr> <td>Credit Limit</td> <td>$1,100.00</td> <td></td> <td></td> </tr> <tr> <td>Available Credit</td> <td>$0.00</td> <td></td> <td></td> </tr> <tr> <td>Cash Limit</td> <td>$220.00</td> <td></td> <td></td> </tr> <tr> <td>Available Cash</td> <td>$0.00</td> <td></td> <td></td> </tr> <tr> <td>Days in Billing Period</td> <td>26</td> <td></td> <td></td> </tr> </table> Pay online for free at: mysynchrony.com For Synchrony Bank customer service or to report your card lost or stolen, call (1-866-748-1585). Best times to call are Wednesday - Friday. Promotional Purchase Summary <table> <tr> <th>Promotional Expiration Date</th> <th>Promotional Balance</th> <th>Deferred Interest Charge</th> <th>Tran Date</th> <th>Description</th> <th>Initial Purchase Amount</th> </tr> <tr> <td>02/15/2023</td> <td>$851.40</td> <td>$0.00</td> <td>01/20/2022</td> <td>Deferred Interest/No Interest If Paid In Full</td> <td>$1,035.40</td> </tr> </table> A summary of your promotional purchase is provided above. If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion: To avoid paying Deferred Interest Charges on these promotion(s), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. On a Fixed Payment (Extended Payment Plan) promotional purchase, the Interest Charge is billed monthly and included as part of the Minimum Payment due. To make more than one payment see Make Payment To address or pay online at mysynchrony.com. * NOTICE: See reverse side and additional pages (if any) for important information concerning your account. Total Minimum Payment Due: $443.00 Past Due Amount: $0.00 Payment Due Date: 02/15/2023 New Balance: $0.00 Account Number: [REDACTED] 0367 Payment Enclosed: $[REDACTED] New address or e-mail? Check the box at left and print changes on back Payment due includes $ 0.00 past due. Please pay the past due amount PROMPTLY. NOTE: You have a Promotional Purchase Expiring. See Promotional Purchase Summary For Details. GEORGE WHITE 212 SW 23RD ST EL RENO OK 73036-5912 Make Payment to: SYNCHRONY BANK PO BOX 960061 ORLANDO, FL 32896-0061 Transaction Summary <table> <tr> <th>Tran Date</th> <th>Post Date</th> <th>Reference Number</th> <th>Description</th> <th>Amount</th> </tr> <tr> <td colspan="4">OTHER TRANSACTIONS</td> <td></td> </tr> <tr> <td>02/13/2023</td> <td>02/13/2023</td> <td>F1366001C00999990</td> <td>CHARGE OFF ACCOUNT-PRINCIPALS</td> <td>($851.40)</td> </tr> <tr> <td>02/13/2023</td> <td>02/13/2023</td> <td>F1366001C00999990</td> <td>CHARGE OFF ACCOUNT-INTEREST</td> <td>($39.00)</td> </tr> <tr> <td>02/13/2023</td> <td>02/13/2023</td> <td>F1366001C00999990</td> <td>CHARGE OFF ACCOUNT 'FEE CHARGOFF'</td> <td>($380.00)</td> </tr> <tr> <td colspan="4">FEES</td> <td></td> </tr> <tr> <td>02/10/2023</td> <td>02/10/2023</td> <td></td> <td>LATE FEE</td> <td>$41.00</td> </tr> <tr> <td colspan="4">TOTAL FEES FOR THIS PERIOD</td> <td>$41.00</td> </tr> <tr> <td colspan="4">INTEREST CHARGED</td> <td></td> </tr> <tr> <td>02/13/2023</td> <td>02/13/2023</td> <td></td> <td>INTEREST CHARGE ON PURCHASES</td> <td>$0.00</td> </tr> <tr> <td>02/13/2023</td> <td>02/13/2023</td> <td></td> <td>INTEREST CHARGE ON CASH ADVANCES</td> <td>$0.00</td> </tr> <tr> <td colspan="4">TOTAL INTEREST FOR THIS PERIOD</td> <td>$0.00</td> </tr> <tr> <th colspan="4">2023 Totals Year-to-Date</th> <th></th> </tr> <tr> <td colspan="4">Total Fees Charged in 2023</td> <td>$82.00</td> </tr> <tr> <td colspan="4">Total Interest Charged in 2023</td> <td>$7.91</td> </tr> <tr> <td colspan="4">Total Interest Paid in 2023</td> <td>$0.00</td> </tr> </table> Rewards Summary <table> <tr> <th>Previous Balance</th> <td>0</td> </tr> <tr> <th>Earned this Period</th> <td>0</td> </tr> <tr> <th>Total Points Available</th> <td>0</td> </tr> </table> Rewards News Visit carecredit.com/mastercard or call 866-748-1585 for information about the CareCredit Rewards Mastercard and to manage your rewards. Interest Charge Calculation <table> <tr> <th>Type of Balance</th> <th>Expiration Date</th> <th>Annual Percentage Rate (APR)</th> <th>Balance Subject to Interest Rate</th> <th>Interest Charge</th> </tr> <tr> <td>Purchases</td> <td>NA</td> <td>26.99%</td> <td>$0.00</td> <td>$0.00</td> </tr> <tr> <td>Cash Advances</td> <td>NA</td> <td>26.99%</td> <td>$0.00</td> <td>$0.00</td> </tr> <tr> <td>Deferred Interest/No Interest If Paid In Full</td> <td>02/15/2023</td> <td>26.99%</td> <td>$0.00</td> <td>$0.00</td> </tr> </table> Cardholder News & Information Did you know your Mastercard offers Mastercard ID Theft Protection. For more information about this benefit or to view the current benefits offered by Mastercard, please visit: www.mastercard.com/corecredit-GTB. If your account has a Deferred interest promotional balance and you would like a payment to be applied to a specific promotional or non-promotional balance, call Customer Service, no later than 60 days after the transaction date of your payment as shown on your statement. To learn what options may be available. If you need to contact Synchrony about the loss of a Synchrony cardholder, you can submit a deceased notification form located at www.syf.com under the 'Contact Us' page. Statement not provided to customer. In order to protect your account privacy, we are unable to provide account information to anyone other than the cardholder(s) or an authorized party. If you wish to permit us to speak to an authorized party such as a spouse about your account, please send written authorization to the General Inquiries address. CareCredit Network: See carecredit.com/mastercard for enrolled Provider and select retail locations. ACCOUNT TRAN_CODE REFERENCEE AMOUNT TRAN_DATE 5243063003320367 PMT BEYOND FINANCE Q000DMC -15 2024-02-07 5243063003320367 PMT BEYOND FINANCE Q000DMC -15 2024-03-07 5243063003320367 PMT BEYOND FINANCE Q000DMC -15 2024-04-08 5243063003320367 PMT BEYOND FINANCE Q000DMC -15 2024-05-07 5243063003320367 PMT BEYOND FINANCE Q000DMC -15 2024-06-07 5243063003320367 PMT BEYOND FINANCE Q000DMC -15 2024-07-08 5243063003320367 PMT BEYOND FINANCE Q000DMC -15 2024-08-07 5243063003320367 PMT BEYOND FINANCE Q000DMC -15 2024-09-09 5243063003320367 PMT BEYOND FINANCE Q000DMC -15 2024-10-07 5243063003320367 PMT BEYOND FINANCE Q000DMC -15 2024-11-07 5243063003320367 PMT BEYOND FINANCE Q000DMC -15 2024-12-09 5243063003320367 PMT BEYOND FINANCE Q000DMC -15 2025-01-07 5243063003320367 PMT BEYOND FINANCE Q000DMC -15 2025-02-07 5243063003320367 PMT BEYOND FINANCE Q000DMC -15 2025-03-07 5243063003320367 PMT BEYOND FINANCE Q000DMC -15 2025-04-07 CARECREDIT REWARDS MASTERCARD GEORGE WHITE Account Number: [REDACTED] Statement Closing Date: 07/18/2022 Summary of Account Activity <table> <tr> <th>Previous Balance</th> <td>$950.40</td> </tr> <tr> <td>+ New Purchases</td> <td>$0.00</td> </tr> <tr> <td>+ Cash Advance</td> <td>$0.00</td> </tr> <tr> <td>- Payments</td> <td>$31.00</td> </tr> <tr> <td>+/ Credits, Fees & Adjustments (net)</td> <td>$33.00</td> </tr> <tr> <td> +/- Interest Charge (net)</td> <td>$0.00</td> </tr> <tr> <th>New Balance</th> <td>$952.40</td> </tr> <tr> <td>Credit Limit</td> <td>$1,100.00</td> </tr> <tr> <td>Available Credit</td> <td>$147.00</td> </tr> <tr> <td>Cash Limit</td> <td>$220.00</td> </tr> <tr> <td>Available Cash</td> <td>$147.00</td> </tr> <tr> <td>Days in Billing Period</td> <td>31</td> </tr> <tr> <td colspan="2">Pay online for free at: mysynchroty.com<br>For Synchrony Bank customer service or to report your card lost or stolen, call (1-866-748-1565).</td> </tr> <tr> <td colspan="2">Best times to call are Wednesday - Friday.</td> </tr> </table> Payment Information <table> <tr> <th>New Balance</th> <td>$952.40</td> </tr> <tr> <th>Total Minimum Payment Due</th> <td>$43.00</td> </tr> <tr> <th>Payment Due Date</th> <td>08/10/2022</td> </tr> <tr> <th colspan="2">PAYMENT DUE BY 5 P.M. EASTERN ON THE DUE DATE.<br>We may convert your payment into an electronic debit. See reverse side.</th> </tr> </table> Late Payment Warning: If we do not receive your Total Minimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee up to $41.00. Minimum Payment Warning: Making only the Total Minimum Payment Due will increase the amount of interest you pay and the time it takes to repay 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>6 years</td> <td>$2,173.00</td> </tr> <tr> <td>$45.00</td> <td>3 years</td> <td>$1,603.00 (Savings = $570.00)</td> </tr> </table> If you would like information about credit counseling services, call 1-877-302-8797. Promotional Expiration Notification YOU MUST PAY EACH PROMOTIONAL BALANCE IN FULL BY ITS EXPIRATION DATE TO AVOID PAYING DEFERRED INTEREST CHARGES. PLEASE SEE THE PROMOTIONAL PURCHASE SUMMARY SECTION ON THIS STATEMENT FOR FURTHER DETAILS. YOU HAVE A PROMOTION(S) EXPIRING ON 02/15/23. * NOTICE: See reverse side and additional pages (if any) for important information concerning your account. <table> <tr> <th>Total Minimum Payment Due</th> <th>Payment Due Date</th> <th>New Balance</th> <th>Account Number</th> </tr> <tr> <td>$43.00</td> <td>08/10/2022</td> <td>$952.40</td> <td>[REDACTED]</td> </tr> </table> Payment Enclosed: $ New address or e-mail? If you only pay the Total Minimum Due it may not pay off the Promotional Purchase by the Expiration Date. Check the box at left and Print changes on back GEORGE WHITE 212 SW 23RD ST EL RENO OK 73036-5912 Make Payment to: SYNCHRONY BANK PO BOX 960061 ORLANDO, FL 32896-0061 <table> <tr> <th>Promotional Expiration Date</th> <th>Promotional Balance</th> <th>Deferred Interest Charge</th> <th>Tran Date</th> <th>Description</th> <th>Initial Purchase Amount</th> </tr> <tr> <td>02/15/2023</td> <td>$851.40</td> <td>$138.16</td> <td>01/20/2022</td> <td>Deferred Interest/No Interest If Paid In Full</td> <td>$1,035.40</td> </tr> </table> A summary of your promotional purchase is provided above. If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion: To avoid paying Deferred Interest Charges on these promotion(s), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. On a Fixed Payment (Extended Payment Plan) promotional purchase, the Interest Charge is billed monthly and included as part of the Minimum Payment due. To make more than one payment see Make Payment To address or pay online at mysynchrony.com. <table> <tr> <th>Tran Date</th> <th>Post Date</th> <th>Reference Number</th> <th>Description</th> <th>Amount</th> </tr> <tr> <td>07/12/2022</td> <td>07/12/2022</td> <td>8534812JJ01THDMFS</td> <td>PAYMENT - THANK YOU FEES</td> <td>($31.00)</td> </tr> <tr> <td>07/10/2022</td> <td>07/10/2022</td> <td></td> <td>LATE FEE</td> <td>$31.00</td> </tr> <tr> <td>07/18/2022</td> <td>07/18/2022</td> <td></td> <td>MINIMUM INTEREST CHARGE</td> <td>$2.00</td> </tr> <tr> <td>07/18/2022</td> <td>07/18/2022</td> <td></td> <td>TOTAL FEES FOR THIS PERIOD INTEREST CHARGED</td> <td>$33.00</td> </tr> <tr> <td>07/18/2022</td> <td>07/18/2022</td> <td></td> <td>INTEREST CHARGED ON PURCHASES</td> <td>$0.00</td> </tr> <tr> <td>07/18/2022</td> <td>07/18/2022</td> <td></td> <td>TOTAL INTEREST FOR THIS PERIOD</td> <td>$0.00</td> </tr> </table> 2022 Totals Year-to-Date Total Fees Charged in 2022 $101.00 Total Interest Charged in 2022 $0.00 Total Interest Paid in 2022 $0.00 <table> <tr> <th>Rewards Summary</th> <th>Rewards News</th> </tr> <tr> <td>Previous Balance 5,177<br>Earned this Period 0<br>Total Points Available 5,177</td> <td>Visit carecredit.com/mastercard or call 866-748-1585 for information about the CareCredit Rewards Mastercard and to manage your rewards.</td> </tr> </table> <table> <tr> <th>Type of Balance</th> <th>Expiration Date</th> <th>Annual Percentage Rate (APR)</th> <th>Balance Subject to Interest Rate</th> <th>Interest Charge</th> </tr> <tr> <td>Purchases</td> <td>NA</td> <td>26.99%</td> <td>$77.77</td> <td>$1.79</td> </tr> <tr> <td>Cash Advances</td> <td>NA</td> <td>26.99%</td> <td>$0.00</td> <td>$0.00</td> </tr> <tr> <td>Deferred Interest/No Interest If Paid In Full</td> <td>02/15/2023</td> <td>26.99%</td> <td>$1,001.72</td> <td>$0.00</td> </tr> </table> New Promotional Financing Plans This notice is to let you know about some promotional financing plans that may be available for you when you use your card for future purchases. This is only a summary of key terms. At times, we may offer you other promotional financing plans for certain purchases. Details of available promotions will be provided to you at the time of your transactions. Not all plans or all plan periods will be available at every retailer. For purposes of this notification, your Purchase Annual Percentage Rate ("APR") is 26.99%. See the Interest Charge Calculation section of this billing statement to determine if this APR is variable. If a (v) is shown next to your APR, this APR will vary with the market based on the prime rate. Subject to credit approval. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchase. Continued on next page New Promotional Financing Plans (Continued) No Interest if Paid Within Promotional Period (These can be advertised as Deferred Interest promotions) Under this promotion, no interest charges will be assessed if the promotional purchase balance is paid in full within the promotional period. If the promotional purchase balance is not paid in full by the end of the promotional period, interest will be imposed from the date of purchase at the Purchase APR stated above. Minimum or fixed monthly payments are required. This promotion may be offered for periods of 6, 12, 18, or 24 months. Please keep this for your records. If you have any questions, please call us at the Customer Service number shown on your statement. Cardholder News & Information Did you know your Mastercard offers Mastercard ID Theft Protection. For more information about this benefit or to view the current benefits offered by Mastercard, please visit: www.mastercard.com/corecredit-GTB. If you need to contact Synchrony about the loss of a Synchrony cardholder, you can submit a deceased notification form located at www.synf.com under the 'Contact Us' page. Synchrony Bank may continue to obtain information, including employment and income information from others about you (including requesting reports from consumer reporting agencies and other sources) to review, maintain or collect your account. In order to protect your account privacy, we are unable to provide account information to anyone other than the cardholder(s) or an authorized party. If you wish to permit us to speak to an authorized party such as a spouse about your account, please send written authorization to the General Inquiries address. CareCredit Network: See carecredit.com/mastercard for enrolled Provider and select retail locations. Special Messages Looking for a different due date? Call customer service at the phone number on your statement to determine if eligible and discuss available options. SYNCHRONY BANK PRICING INFORMATION ADDENDUM FOR YOUR CARECREDIT® REWARDS™ MASTERCARD® ACCOUNT ENDING IN 0367 <table> <tr> <th colspan="2">Interest Rates and Interest Charges</th> </tr> <tr> <td>Annual Percentage Rate (APR) for Purchases</td> <td>The APR for Purchases is <b>26.99%</b>.<br><br>The daily rate for Purchases and Cash Advances is 0.07395%.</td> </tr> <tr> <td>Paying Interest</td> <td>Your due date is at least 23 days after the close of each billing period. We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and promotional purchases on the purchase date.</td> </tr> <tr> <td>Minimum Interest Charge</td> <td>If you are charged interest, the charge will be no less than $2.00.</td> </tr> </table> <table> <tr> <th>Fees</th> <th></th> </tr> <tr> <td>Penalty Fees<br>• Late Payment</td> <td>Up to $41<br><br>The amount of the late payment fee will be equal to: (1) $30 if you have paid at least your total minimum payment due by the due date in each of the prior six billing cycles or (2) $41 if you have failed to pay at least the total minimum payment due by the due date in any one or more of the prior six billing cycles. However, if the late payment fee would exceed the total minimum payment for which the late payment fee is assessed, the amount of the late payment fee will instead be equal to the amount of the total minimum payment that was due.</td> </tr> </table> How We Will Calculate Your Balance: We use a method called "daily balance". See your Credit Card Agreement for more details. SYNCHRONY BANK SECTION I: RATES AND FEES TABLE CARECREDIT® REWARDS™ MASTERCARD® ACCOUNT AGREEMENT Information from Section I of the CareCredit Rewards Mastercard Account Agreement is provided in the accompanying Pricing Information Addendum. SECTION II: RATES, FEES AND PAYMENT INFORMATION CARECREDIT® REWARDS™ MASTERCARD® ACCOUNT AGREEMENT <table> <tr> <th>How Interest is Calculated</th> <th></th> </tr> <tr> <td>Your Interest Rate</td> <td>We use a daily rate to calculate the interest on the balance on your account each day. The daily rate is the applicable APR times 1/365. Interest will be imposed in amounts or at rates not in excess of those permitted by applicable law. See the accompanying Pricing Information Addendum for your daily rates for purchases and cash advances and corresponding APR information.</td> </tr> <tr> <td>When We Charge Interest</td> <td>Purchases. We charge interest on your purchases from the date you make the purchase until you pay the purchase in full. See exceptions below.<br> • We will not charge you interest during a billing cycle on any non-promotional purchases if:<br> 1. You had no balance at the start of the billing cycle; OR<br> 2. You had a balance at the start of the billing cycle and you paid that balance in full by the due date in that billing cycle.<br> We always charge interest on promotional purchases and their related fees from the date you make the purchase.<br> • We will credit, as of the start of the billing cycle, any payment you make by the due date that we allocate to non-promotional purchases if:<br> 1. You had no balance at the start of the previous billing cycle; OR<br> 2. You had a balance at the start of the previous billing cycle and you paid that balance in full by the due date in the previous billing cycle.<br> Cash Advances. We charge interest on your cash advances, and their related fees, from the date you make the transaction until you pay them in full. You cannot avoid paying interest on cash advances or their related fees.</td> </tr> <tr> <td>How We Calculate Interest</td> <td>We figure the interest charge on your account separately for each balance type. We do this by applying the daily rate to the daily balance for each day in the billing cycle. A separate daily balance is calculated for the following balance types, as applicable: purchases, cash advances and balances subject to different interest rates, plans or special promotions. See below for how this works.<br> 1. How to get the daily balance. We take the starting balance each day, add any new charges and fees, and subtract any payments or credits. This gives us the daily balance.<br> We apply fees to balance types as follows:<br> (a) late payment fees are treated as new purchases;<br> (b) debt cancellation fees are treated as new purchases;<br> (c) cash advance fees are added to the cash advance balance; and<br> (d) foreign transaction fees are added to the purchase balance.<br> 2. How to get the daily interest amount. We multiply each daily balance by the daily rate that applies.<br> 3. How to get the starting balance for the next day. We add the daily interest amount in step 2 to the daily balance from step 1.<br> 4. How to get the interest charge for the billing cycle. We add all the daily interest amounts that were charged during the billing cycle.<br> We charge a minimum interest in any billing cycle in which you owe interest. Interest, as calculated above, is added as applicable to each balance type. Minimum interest charges in excess of the calculated interest are treated as new purchases. See the accompanying Pricing Information Addendum for your total minimum interest charge.</td> </tr> <tr> <th>How Fees Work</th> <th></th> </tr> <tr> <td>Cash Advance Fee</td> <td>We will charge this fee for each cash advance you make. For ATM cash advances this fee is in addition to any fee the ATM owner may charge you for use of the ATM.</td> </tr> </table> Foreign Transaction Fee We will charge this fee for purchases you make in currencies other than U.S. dollars and/or in a country other than the U.S., whether or not the transaction was in a foreign currency. If you make a transaction with your account in a currency other than U.S. dollars, Mastercard will convert the transaction amount into U.S. dollars using its currency conversion procedure. Under the currency conversion procedure that Mastercard currently uses, the non-U.S. dollar transaction amount is converted into a U.S. dollar amount by multiplying the transaction amount in the non-U.S. dollar currency by a currency conversion rate. Mastercard's currency conversion procedure is based on rates observed in the wholesale market or government-mandated rates, where applicable. The currency conversion rate that Mastercard uses for a particular transaction is the rate for the applicable currency on the date that the transaction occurred. However, in limited situations, particularly where transaction submissions to Mastercard for processing are delayed, the currency conversion rate that Mastercard uses may be the rate for the applicable currency on the date that the transaction is processed. Late Payment Fee We will charge this fee if we do not receive the total minimum payment due on your account by 5 p.m. (ET) on the due date. See the accompanying Pricing Information Addendum for the amount of this fee. Minimum Payment Calculation See the accompanying Variable Terms Addendum for how your total minimum payment due is calculated. Special Promotional Financing Offer Information At times, we may offer you special financing promotions for certain transactions ("special promotions"). The terms of this Agreement apply to any special promotions. However, any special promotional terms that are different than the terms in this Agreement will be explained on promotional advertising or other disclosures provided to you. Below is a description of certain special promotions that may be offered, in addition to reduced APR promotions with a unique payment calculation. <table> <tr> <th>No Interest if Paid in Full Within 6 Months</th> <td>For each promotion, if the promotional balance is not paid in full within the promotional period, interest will be imposed from the date of purchase at the Purchase APR that applies to your account when the promotional purchase is made.</td> </tr> <tr> <th>No Interest if Paid in Full Within 12 Months</th> <td></td> </tr> <tr> <th>No Interest if Paid in Full Within 18 Months</th> <td></td> </tr> <tr> <th>No Interest if Paid in Full Within 24 Months</th> <td></td> </tr> </table> See the accompanying Pricing Information Addendum for your Purchase APR. When you make a qualifying purchase under one of these promotions, no interest will be assessed on the purchase if you pay the promotional purchase amount in full within the applicable promotional period. If you do not, interest will be assessed on the promotional purchase from the date of purchase. Minimum or fixed monthly payments are required. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases. Offers are subject to credit approval. These promotional offers may not be available at all times for all purchases. Please see any special promotion advertising or other disclosures provided to you for the full terms of any special promotion offered. SECTION III: STANDARD PROVISIONS CARECREDIT® REWARDS™ MASTERCARD® ACCOUNT AGREEMENT ABOUT THE CREDIT CARD ACCOUNT AGREEMENT This Agreement. This is an Agreement between you and Synchrony Bank, 170 Election Road, Suite 125, Draper, UT 84020, for your credit card account shown above. By opening or using your account, you agree to the terms of the entire Agreement. The entire Agreement includes the four sections of this document and the application you submitted to us in connection with the account. These documents replace any other agreement relating to your account that you or we made earlier or at the same time. Parties To This Agreement. This Agreement applies to each accountholder approved on the account and each of you is responsible for paying the full amount due, no matter which one uses the account. We may treat each of you as one accountholder and may refer to each of you as "you" or "your". Synchrony Bank may be referred to as "we", "us" or "our". Changes To This Agreement. We may change, add or delete terms of this Agreement, including interest rates, fees and charges. Special Promotions. The terms of this Agreement apply to any special promotion. However, any special promotional terms that are different than the terms in this Agreement will be explained on promotional advertising or other disclosures provided to you. HOW TO USE YOUR ACCOUNT/CARD Use Of Your Account. You may use your account only for lawful personal, family or household purposes. You may use your account for purchases from dealers/providers/retailers that accept the card, as well as from any merchant that accepts Mastercard credit cards. You may get cash advances as further explained below. You may not use your account to pay amounts you owe us on this account or any other accounts you have with us. Cash Advances. We may offer you the opportunity to get a cash advance with convenience checks that we send you. We may not honor a convenience check for any reason stated on the check. You can also get cash or make a withdrawal from any institution or ATM that accepts the card or the account. In addition, we will treat any purchase of certain cash like items as cash advances. Cash like items include for example, money orders, cashier's checks, traveler's checks, electronic or wire transfers, foreign currency or other in bank transactions, tax payments, lottery tickets or other legalized gambling transactions, court costs, bail bonds and fines. You Promise To Pay. You promise to pay us for all amounts owed to us under this Agreement. Your Responsibility. Each accountholder will receive a card. You may not allow anyone else to use your account. If you do, or if you ask us to send a card to someone else, you will be responsible for paying for all charges resulting from their transactions. Transaction Limits. To prevent fraud, we may limit the number or dollar amount of any type of transactions you can make in any particular amount of time. We also may decline any particular charge on your account for any reason. Credit Limit. You will be assigned a credit limit and cash advance limit on your account that we may increase or decrease from time to time. If we approve a transaction that makes you go over your credit limit or your cash advance limit, we do not give up any rights under this Agreement and we do not treat it as an increase in either limit. HOW AND WHEN TO MAKE PAYMENTS When Payments Are Due. You must pay at least the total minimum payment due on your account by 5 p.m. (ET) on the due date of each billing cycle. Payments received after 5 p.m. (ET) will be credited as of the next day. You may at any time pay, in whole or in part, the total unpaid balance without any additional charge for prepayment. If you have a balance subject to interest, earlier payment may reduce the amount of interest you will pay. We may delay making credit available on your account in the amount of your payment even though we will credit your payment when we receive it. Payment Options. You can pay by mail or online. We may allow you to make payments over the phone but we will charge you a fee to make expedited phone payments. Your payment must be made in U.S. dollars by physical or electronic check, money order or a similar instrument from a bank located in the United States. How To Make A Payment. You must follow the instructions for making payments provided on your billing statement. If you do not, credit of your payment may be delayed up to five days. Your billing statement also explains how information on your check is used. Payment Allocation. We will apply the required total minimum payment to balances on your account using any method we choose. Any payment you make in excess of the required total minimum payment will be applied to higher APR balances before lower APR balances. Applicable law may require or permit us to apply excess payments in a different manner in certain situations, such as when your account has a certain type of special promotion. INFORMATION ABOUT YOU Using And Sharing Your Information. When you applied for an account, you gave us, dealers/providers/retailers that accept the card and program sponsors information about yourself that we could share with each other. Dealers/providers/retailers that accept the card and program sponsors (and their respective affiliates) will use the information in connection with the credit program and for things like creating and updating their records and offering you special benefits. More information about how we use and share information is set forth in the privacy policy for your account. Address/Phone Change. You represent that any phone number that you provide to us belongs to you and/or that you are authorized to provide that number. You also agree to tell us right away if you change your address or any phone number. Consent To Communications. You consent to us, as well as any other owner or servicer of your account, contacting you through any channel of communication and for any purpose, as permitted by applicable law. For informational, servicing or collection related communications, you agree that we may use the phone numbers that you provide to us to contact your cellular phone or wireless device with text messages, artificial or prerecorded voice calls, and calls made by an automatic telephone dialing system. This consent applies even if you are charged for the call under your phone plan. You are responsible for any charges that may be billed to you by your communications carriers when we contact you. Telephone Monitoring. For quality control, you allow us to listen to and/or record telephone calls between you and us. IMPORTANT INFORMATION ABOUT YOUR ACCOUNT Closing Your Account. You may close your account at any time by sending a letter to the address shown on your billing statement or calling customer service. We may close your account at any time, for any reason. If your account is closed, you must stop using it. You must still pay the full amount you owe and this Agreement will remain in effect until you do. Collection Costs. If we ask an attorney who is not our salaried employee to collect your account, we may charge you our collection costs. These include court costs and reasonable attorneys’ fees. Credit Bureau Reporting. We may report information to credit bureaus. Late payments, missed payments, or other defaults on your account may be shown in your credit report. Tell us if you think we reported wrong information about you to a credit bureau. Write to us at Synchrony Bank, P.O. Box 965036, Orlando, FL 32896-5036. Tell us what information is wrong and why you think it is wrong. If you have a copy of the credit report that includes the wrong information, send us a copy. Default. You are in default if you make a late payment, do not follow any other term of this Agreement or become bankrupt or insolvent. If you default or upon your death, we may (a) request payment of the full amount due right away, (b) take legal action to collect the amounts owed, and/or (c) take any other action allowed. Disputed Amounts. The billing rights summary in section IV of this Agreement describes what to do if you think there is a mistake on your bill. If you send us correspondence about a disputed amount or payment, you must send it to the address for billing inquiries. We do not give up any rights under this Agreement if we accept a payment marked “payment in full” or given with any other conditions or limitations. Unauthorized Use. If your card is lost, stolen or used without your consent, call us immediately at 1-866-748-1585. You will not be liable for unauthorized use on your account, but you will be responsible for all use by anyone you give your card to or allow to use your account. IMPORTANT INFORMATION ABOUT THIS AGREEMENT Assignment. We may sell, assign or transfer any or all of our rights or duties under this Agreement or your account, including our rights to payments. We do not have to give you prior notice of such action. You may not sell, assign or transfer any of your rights or duties under this Agreement or your account. Enforceability. If any part of this Agreement is found to be void or unenforceable, all other parts of this Agreement will still apply. Governing Law. Except as provided in the Resolving a Dispute with Arbitration section, this Agreement and your account are governed by federal law and, to the extent state law applies, the laws of Utah without regard to its conflicts of law principles. This Agreement has been accepted by us in Utah. Waiver. We may give up some of our rights under this Agreement. If we give up any of our rights in one situation, we do not give up the same right in another situation. RESOLVING A DISPUTE WITH ARBITRATION PLEASE READ THIS SECTION CAREFULLY. IF YOU DO NOT REJECT IT, THIS SECTION WILL APPLY TO YOUR ACCOUNT, AND MOST DISPUTES BETWEEN YOU AND US WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A JURY WILL RESOLVE ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION WILL BE AVAILABLE; AND (4) APPEAL RIGHTS WILL BE LIMITED. 1. CLAIMS AND PARTIES. If either you or we make a demand for arbitration, you and we must arbitrate any dispute or claim between you (including any other user of your account), and us (including our parents, affiliates, agents, employees, officers, and assignees), and/or providers that accept the card that directly or indirectly arises from or relates to your account, your account Agreement or our relationship, except as noted below. In addition, dealers/providers/retailers and/or any assignee, agent, or service provider of ours that collects amounts due on your account are intended beneficiaries of this Arbitration section and may enforce it in full (notwithstanding any state law to the contrary). 2. This Arbitration section broadly covers claims, including counterclaims, based upon contract, tort, consumer rights, fraud and other intentional torts, negligence, constitution, statute, regulation, ordinance, common law and equity and claims for money damages and injunctive or declaratory relief, even if they arose before this section took effect. You may not sell, assign or transfer a claim. 3. Examples of claims subject to arbitration are disputes about an account transaction, fees, charges or interest, the events leading up to the Agreement (such as any disclosures, advertisements, promotions or oral or written statements, warranties or representations made by us), an application for or denial of credit, any product or service provided by us or third parties in connection with the Agreement, credit reporting, benefit programs related to your account including any reward program, the collection of amounts due by our assignees, service providers, or agents and the manner of collection. 4. However, we will not require you to arbitrate any individual case in small claims court or your state’s equivalent court, so long as it remains an individual case in that court. Also, even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or any claim later asserted by a party in any related or unrelated lawsuit, including modifying an individual claim to assert a class, representative or multi-party claim. Arbitration may be requested at any time, even where there is a pending lawsuit, unless a trial has begun, or a final judgment entered. 5. Only a court will decide disputes about the validity, enforceability, coverage or scope of this Arbitration section or any part thereof. However, any dispute that concerns the validity or enforceability of the Agreement as a whole is for the arbitrator to decide. 6. NO CLASS ACTIONS. IF EITHER YOU OR WE ELECT TO ARBITRATE A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT (A) TO PARTICIPATE IN A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION OR OTHER REPRESENTATIVE ACTION IN COURT OR IN ARBITRATION, EITHER AS A CLASS REPRESENTATIVE OR CLASS MEMBER, OR (B) TO JOIN OR CONSOLIDATE CLAIMS WITH CLAIMS OF ANY OTHER PERSONS EXCEPT ACCOUNTHOLDERS ON YOUR ACCOUNT. THUS, YOU MAY NOT BRING CLAIMS AGAINST US ON BEHALF OF ANY ACCOUNTHOLDER WHO IS NOT AN ACCOUNTHOLDER ON YOUR ACCOUNT, AND YOU AGREE THAT ONLY ACCOUNTHOLDERS ON YOUR ACCOUNT MAY BE JOINED IN A SINGLE ARBITRATION WITH ANY CLAIM YOU HAVE. 7. PROCEDURES. The party who wants to arbitrate must notify the other party in writing. This notice can be given after the beginning of a lawsuit or in papers filed in the lawsuit. Otherwise, your notice must be sent to Synchrony Bank, Legal Operation, P.O. Box 29110, Shawnee Mission, KS 66201-5320, ATTN: ARBITRATION DEMAND. The party seeking arbitration must select either the American Arbitration Association (AAA), 120 Broadway, Floor 21, New York, NY 10271, www.adr.org, or JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com, to administer the arbitration. If neither administrator can handle the dispute, a court with jurisdiction will appoint an arbitrator. 8. The arbitration administrator will appoint the arbitrator and will tell the parties what to do next. The arbitrator must be a lawyer with at least ten years of legal experience. The arbitrator must apply the same law, consistent with the Federal Arbitration Act (FAA), that would apply to an individual action in court, but may use different procedural rules. The arbitrator will apply the same statutes of limitation and privileges that a court would apply if the matter were pending in court. 9. The arbitrator may award any damages or other relief or remedies that would apply under applicable law to an individual action brought in court, including, without limitation, punitive damages (governed by the Constitutional standards employed by the courts) and injunctive, equitable and declaratory relief (but only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim). The parties will bear the fees and costs of their attorneys, witnesses and experts. However, the arbitrator will have the authority to award fees and costs of attorneys, witnesses and experts to the extent permitted by the Agreement, the administrator’s rules or applicable law. 10. The arbitration will take place by phone or at a location reasonably convenient to you. If you ask, we will pay all the fees the administrator or arbitrator charges if you cannot obtain a waiver of fees from the administrator and are acting in good faith. We will pay arbitration costs required by the administrator’s rules or that are necessary for this Arbitration section to be enforced. Notwithstanding the foregoing, you will be required to advance half of all administrative fees and arbitrator’s fees (and to be responsible for payment of such fees to the extent not advanced) if you pursue arbitration as part of a group of similar arbitrations, or if you otherwise seek to participate in a mass arbitration proceeding. If an arbitration already in process is later determined to be part of a mass arbitration proceeding, we shall have the right to request that the arbitrator order you to reimburse us for fees already paid or advanced. 11. GOVERNING LAW. This Arbitration section is governed by the FAA. Utah law shall apply to the extent state law is relevant under the FAA, unless otherwise stated herein. The arbitrator’s award will be final and binding, except for any appeal right under the FAA. Any court with jurisdiction may enter judgment upon the arbitrator’s award. The arbitration award and any judgment confirming it will apply only to the specific case and cannot be used in any other case except to enforce the award. 12. SURVIVAL. This Arbitration section shall survive the repayment of all amounts owed, the termination, cancellation or suspension of the Agreement or your account or credit privileges, any legal proceeding, and any bankruptcy by you, to the extent consistent with applicable bankruptcy law. If this Arbitration section conflicts with the applicable arbitration rules or the other provisions of the Agreement, this Arbitration section shall govern. 13. SEVERABILITY. If any portion of this Arbitration section is held to be invalid or unenforceable, the remaining portions shall nevertheless remain in force with the following two exceptions. First, if a determination is made that the “No Class Actions” provision is unenforceable, and that determination is not reversed on appeal, then this Arbitration section shall be void in its entirety. Second, if a court determines that a public injunctive relief claim may proceed notwithstanding the “No Class Actions” provision, and that determination is not reversed on appeal, then the public injunctive relief claim will be decided by a court, and any individual claims will be arbitrated. The parties will ask the court to stay the public injunctive relief claim until the other claims have been finally concluded. 14. HOW TO REJECT ARBITRATION. You may reject this Arbitration section. If you do that, a court will resolve any dispute or claim. To reject this section, send us a notice within 45 days after you open your account or we first provided you with your right to reject this section. The notice must include your name, address, account number, and personal signature, and must be mailed to Synchrony Bank, P.O. Box 965012, Orlando, FL 32896-5012. This is the only way you can reject this section. Rejecting this Arbitration section will not affect any other provision of the Agreement. It will also not affect any prior arbitration agreement or dispute resolution provision between you and us, which will remain in full force and effect. If you don’t reject this Arbitration section, it will be effective as of the date of the Agreement and will supersede any prior arbitration agreement between you and us that would otherwise be applicable. SECTION IV: OTHER IMPORTANT INFORMATION CARECREDIT® REWARDS™ MASTERCARD® ACCOUNT AGREEMENT NOTICE FOR ACTIVE DUTY MILITARY MEMBERS AND THEIR DEPENDENTS: The following disclosures apply to you if you open your Account on or after October 3, 2017 and, at the time your account is opened, you are a "covered borrower" as defined in the Military Lending Act, which includes eligible active duty members of the Armed Forces and their dependents: 1. The provision in the Cardholder Agreement called “Resolving a Dispute with Arbitration” will not apply to your Account. 2. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an Annual Percentage Rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). 3. You can call 855-367-4541 to hear the information in item 2 (above) and a description of the payment obligation for your Account. The rest of the language in this section of the agreement includes state notices, billing rights summary and rewards terms (if applicable) and is not required to be provided as part of the request for customer agreement. SYNCHRONY BANK VARIABLE TERMS ADDENDUM Minimum Payment Calculation. Your total minimum payment will be calculated as follows: The sum of: a. The greater of either: (i) $30; OR (ii) 3.25% of the new balance shown on your billing statement; OR (iii) The sum of 1% of your new balance shown on your billing statement plus interest and late payment fees charged in the current billing cycle; PLUS b. Any past due amounts; PLUS c. Any payment due in connection with a special promotional purchase with a unique payment calculation. We round up to the next highest dollar in figuring your total minimum payment. Your total minimum payment will never be more than your new balance. synchrony 4500 Munson St NW Canton OH 44718, U.S. BILL of SALE PRA (SFFLPR1S) – PLCC Fresh BULK – April 2023 IC_SFFLPR1S_DMPLA_DebtManager-20230423060746670175000-238387-PLCMNT-EXPORT.xml.gzip Transfer Date: 4/22/2023 For value received and in further consideration of the mutual covenants and conditions set forth in the Master Account Sale Agreement (the “Agreement”), dated as of this 13th day of February, 2023 by and between Synchrony Bank formerly known as GE Capital Retail Bank; RFS Holding, LLC, Synchrony Card Funding, LLC and Retail Finance Credit Services, LLC, (“Seller”) and Portfolio Recovery Associates, LLC (“Buyer”), Seller hereby transfers, sells, conveys, grants, and delivers to Buyer, its successors and assigns, without recourse except as set forth in the Agreement, to the extent of its ownership, the Accounts as set forth in the Notification Files (as defined in the Agreement and Account Sale Addendum dated 4/14/2023, delivered by Seller to Buyer on or about each 4/22/2023, and as further described in the Agreement. The aggregate Sale Balance of the accounts as of the Transfer Date was [REDACTED] Synchrony Bank By: Lynne Fisher 5/2/2023 Title: SVP Recovery Operations RFS Holding LLC By: Lynne Fisher 5/2/2023 Title: Duly Authorized Signatory Synchrony Card Funding, LLC By: Lynne Fisher 5/2/2023 Title: Duly Authorized Signatory Retail Finance Credit Services, LLC By: Lynne Fisher 5/2/2023 Title: Vice President AFFIDAVIT OF SALE OF ACCOUNT BY ORIGINAL CREDITOR State of Florida County of Seminole Alexa Stubbs being duly sworn, deposes and says: I am over 18 and not a party of this action. I am a Media Representative of Synchrony Bank formerly known as GE Capital Retail Bank. In that position I have access to creditor’s books and records, and am aware of the process of the sale and assignment of electronically stored business records. On or about 4/22/2023 Synchrony Bank formerly known as GE Capital Retail Bank sold a pool of charge-off accounts (the Accounts) by a Purchase and Sale Agreement and a Bill of Sale to Portfolio Recovery Associates, LLC. As part of the sale of the Accounts, electronic records and other records were transferred on individual Accounts to the debt buyer. These records were kept in the ordinary course of business of Synchrony Bank formerly known as GE Capital Retail Bank. The Creditor has a process to detect and correct errors on these accounts. The above statements are true to the best of my knowledge. Signed this 15th day of May, 2023 Alexa Stubbs Signed and sworn to before me this 15th day of May, 2023 (Notary Stamp) VANESSA NESTOR Notary Public-State of Florida Commission # HH 186654 My Commission Expires October 14, 2025 NY CoC CERTIFICATE OF CONFORMITY UNDER NYS CLS CPLR § 2309(c) AND NYS CLS RPL § 299-a The undersigned does hereby certify that he/she is an attorney-at-law duly admitted to practice in the State of Florida and residing in the State of Florida; that he/she is a person duly qualified to make this certificate of conformity pursuant to Section 299-a of the Real Property Law of the State of New York; that he/she is fully acquainted with the laws of the State of Florida pertaining to the acknowledgment or proof of affidavits; that the acknowledgement or proof upon the foregoing Affidavit of Alexa Stubbs was taken by Vanessa Nestor, a notary public in the State of Florida, in the manner prescribed by the laws of the State of Florida, being the state in which the Affidavit was taken; and, based on his/her review thereof, that the notarized Affidavit conforms to the laws of the State of Florida in all respects. Witness my signature this 15th day of May, 2023 ______________________________ Tyler Burich Attorney-at-law, State of Florida. DECLARATION OF CUSTODIAN OF RECORDS I, the undersigned Custodian of Records for Portfolio Recovery Associates, LLC, hereby declare, certify, and state as follows: 1. I am competent to testify to the matters contained herein. 2. I am an authorized employee of Portfolio Recovery Associates, LLC, ("Account Assignee") which is doing business at Riverside Commerce Center, 120 Corporate Boulevard, Norfolk, Virginia, and I am authorized to make the statements, representations and averments herein, and do so based upon a review of the business records of the Original Creditor SYNCHRONY BANK and those records transferred to Account Assignee from SYNCHRONY BANK ("Account Seller"), which have become a part of and have integrated into Account Assignee’s business records, in the ordinary course of business. 3. According to the business records, which are maintained in the ordinary course of business, the account, and all proceeds of the account are now owned by the Account Assignee, all of the Account Seller’s interest in such account having been sold, assigned and transferred by the Account Seller on 4/22/2023. Further, the Account Assignee has been assigned all of the Account Seller’s power and authority to do and perform all acts necessary for the settlement, satisfaction, compromise, collection or adjustment of said account, and the Account Seller has retained no further interest in said account or the proceeds thereof, for any purpose whatsoever. 4. According to the records transferred to the Account Assignee from Account Seller, and maintained in the ordinary course of business by the Account Assignee, there was due and payable from GEORGE WHITE ("Debtor and Co-Debtor") to the Account Seller the sum of $1,270.40 with the respect to account number ending in 0367 as of the date of 2/13/2023 with there being no known un-credited payments, counterclaims or offsets against the said debt as of the date of the sale. 5. According to the account records of said Account Assignee, after all known payments, counterclaims, and/or setoffs occurring subsequent to the date of sale, Account Assignee claims the sum of $1,004.40 as due and owing as of the date of this declaration. 6. Plaintiff believes that the defendant is not a minor or an incompetent individual and declares that the Defendant is not on active military service of the United States. 7. I declare under penalty of perjury under the laws of the State of Oklahoma that the foregoing is true and correct. Executed on ___________11/13/2025______________ at Norfolk, VA Portfolio Recovery Associates, LLC By: ____________________________, Custodian of Records