Preview
562022SC002182AXXXHC
Filing # 152517694 E-Filed 06/30/2022 01:49:30 PM
IN THE COUNTY COURT OF THE NINETEENTH JUDICIAL CIRCUIT OF THE
STATE OF FLORIDA, IN AND FOR ST. LUCIE COUNTY
CIVIL DIVISION
FORSYTHE FINANCE, LLC
Plaintiff,
VS. CASE NO.
ALYSSA TORRES ,
Defendant,
/
COMPLAINT
FORSYTHE FINANCE, LLC, by and through its undersigned counsel, sues the Defendant,
ALYSSA TORRES , and alleges:
1. This is an action for damages that does not exceed $8000.00, exclusive of interest, cost,
and attorney’s fees. This court has jurisdiction.
2. Defendant (s) entered into the agreement, and/or is a resident of this county.
3. That Defendant entered into a Loan Agreement with Plaintiff or Plaintiff's predecessor in
interest (herein after “Plaintiff’).
4. Pursuant to the agreement, the Defendant was given a Loan which funds were accepted
without objection. The Loan Agreement is attached hereto as Exhibit “A” and incorporated herein by
reference.
5. The Defendant is failed to make the installment payment due on 03/28/2018,and all
subsequent payments due, therefore, the Defendant is in default and obligated to Plaintiff in the amount
$2,842.37.
6. The Defendant has not paid in accordance with the agreement.
7. Plaintiff is further obligated to pay its attorney a reasonable fee for services.
8. All conditions precedent to bringing this action have been complied with or occurred,
including, but not limited to, all applicable contractual and statutory notice provisions.
WHEREFORE, Plaintiff, FORSYTHE FINANCE, LLC, demands judgment for damages in the
amount of $2,842.37, together with interest, costs, and attorney's fee against Defendant ALYSSA
TORRES.
Coan Kidd
Consuegra & Duffy P.L.L.C.
Amanda R. Duffy/Florida Bar #35612
Joshua D. Moore/Florida Bar #096062
Evan D. Kidd/Florida Bar #116202
Joseph C. Dominguez/Florida Bar #65013
e Shaquan S. Lewis/Florida Bar #1035602
9210 King Palm Drive, Tampa, Florida 33619
Tel (866) 798-9110; Fax (813) 915-0559
Email: lawsuitnotices@consuegralaw.com
Our File No.: 105149GENESIS FS CARD SERVICES
PO Bi
= BEAVERTON OR 97076-4477 Account Number iS
Z New Balance
& UPTO el ae ee PL Minimum Payment Que
3 BENESzES F ARD SERVICES ag Mike checadmonery Payment Due Date 10/18/18
i COLUMBUS GA 31908-4049 amounrencioseo = [$77]
3 Please write your account number on your check/monay order
i do not send cash
AdaieaePhone Numer Charae
1 Prease check nere and complete Address/Phone
Number Change Form on reverse side
Make your payment online at www.mygenesiscredit.com
a ACCOUNT STATEMENT &©® GENESIS
EE
As hley. August 19, 2018 CREOIT*
SS
Account Summary, Fayment Information
‘Credit Limit Total New Balance
Avatiable Credit Minimum P: ent Due $41
Past Oue Amount Payment Due Date October 1
Amount
tement Closing Date
ha
Payment Warning: If we da not receive your
imum payment by the date listed above, you may
Balance Summary have to pay a late fee of up to $35.
Previous Balance Minimum Payment Warning: If you make only the
Ba eS its minimum payment each penod, you will pay more in
interest and it will
For example:
you longer to pay off your
the nalance shown And you will end
‘on this state ‘up paying an
estimated total of...
payment Syears 33,599
T7you would ike formation about credit counseling services,
call 4-866-502-6439
Mail payment to: Please mail billing inquiries to: @uesTions?
Genesis FS Card Services ‘Genesis FS Cant Services Call ¢-866-502-6439
P.O. BOX 84049 P.O. Box 4499 weve: trygenestacredit.com
COLUMBUS GA 31908-4049 Beaverton, OR 97076-4499
AS A REMINDER, IF YOU HAVE A PROMOTIONAL BALANCE THAT WILL EXPIRE IN THE CURRENT
BILLING PERIOD, YOU MUST PAY EACH PROMOTIONAL BALANCE IN FULL BY THE PROMOTION END
DATE OR PAYMENT DUE DATE, WHICHEVER IS LATER, TO AVOID PAYING DEFERRED INTEREST
‘CHARGES.
YOUR ACCOUNT IS PAST DUE $909.00. THE PAST DUE AMOUNT IS INCLUDED
IN THE MINIMUM PAYMENT. PLEASE REMIT IMMEDIATELY.
Foes
Tran Post
‘Baterence Number Rate Date Bescrintion of Transaction or Credit Amount
09/19 0/19 LATE PAYMENT CHARG! $35.00
TOTAL FEES FOR THIS PERIOD $95.00
Charged
ran Post
Beterence Number Pate Date ction of Amount
ADB. 2.20894 09719098 INTEREST CHARGE - 10000125 $54.40
0819 08/13 INTEREST CHARGE PURCHASE $9.11
‘TOTAL INTEREST FOR THIS PERIOD $63.51
ZUTS Totals vear-to-Uate
Total tees charged in 2018 200.00
Total interest charged in 2018 $433.43
PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION.
Page 1013.00000000 - 003861 -0002 -0003-7
OQ ACCOUNT STATEMENT &® GENESIS
a -
Ashley. August 21, 2018 - Seplember 19, 2018 CREDIT
HOMESTORE
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Promotion Balance Subject Annual Percentage Deferred Interest
‘vee of Balance Balance ‘End Date to interest Rate. ‘RateiAPR) interest. Sharge_
Regular $379.03 NA $369.92 29.99% N/A $9.11
EXPIRED PROMOTION $2,263.34 NIA $2,208.94 29.99% NIA $54.40
Transaction Date: 01/28/18
Misc\Fees $200.00 NIA $0.00 0.00% N/A $0.00
(v) = Variable Rate
Promotional Plan Notice
You must pay each promotional balance in full by the promotion end date to avoid paying deferred interest charges.
Please see the Deferred Interest Promotions section on the back of this statement for further details.
PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION
Page 2 of 3ADDRESS / PHONE NUMBER CHANGE FORM
It you provide us with a cellutar phone number, you are explessly consenting that ()} we and our agents may contact
you at that number and (i) we may use automated telephone dialing systems to initiate such contacts
> And/or leave recorded messages.
3
3 DORE:
B
2g ov TATE ZIF CODE
s c
3 HOME PHONE BUSINESS PHONE
3
EMAIL ADORESS
Detach here ¥ and return above portion with your remittance. After detaching. retain lower portion for your future reference.
What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, please write to us at
Bankcard Services, PO. Box 4499, Beaverton, OR 97076-4499. In your
fetter please provide 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 itis a mistake,
You must contact us within 60 days after the error appeared on your
statement. You must notily us of any potential ertors in writing. You may call
Us, but you do we are no! required to investigate any potential errors and
you may have to pay the amount in question. While we investigate whether
Sr not tere has been an ettor the folowing are true:
+ We cannot try to collect the amount in question, oF report you as.
delinquent on that amount
+ The charge in question may remain on your statement, and we may
continue to charge you interest on that amount. But, if’ we determine
that_we made a mistake. you will not have to pay the amount in
question or any interest or other fees related to thal amount
+ While you do not have to pay the amount in question. you are responsible
for the remainder of your batance.
+ We can apply any unpaid amount against your credit lint.
Your Rights If You Are Dissatistied With Your Account Purchases
If you are dissatisfied with the goods or services that you have purchased
using your Account, and you have tried in good faith to correct the problem
with the merchant, you may have the right not fo pay the remaining amount
due on the purchase.
To use this tight, all of the following must be tue:
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 ate necessary if your
purchase was basec 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 Account for the purchase.
3) You must not yet have fully paid for the purchase.
Wall of the criteria above are met and you are still dissatisfied with the
urchase. contact us in writing at Bankcard Services, PO. Box 4499,
jeaverton, OR 97076-4499,
While we investigate, the same tutes apply to the disputed amount as
discussed above. After we finish our investigation, we will tell you our
decision. At that point. it we think you owe an amount and you do not pay,
we may report you as delinquent,
PAYMENTS
Payments should be mailed with the payment coupon and in the envelope
provided to the Bankcard Services payment address indicated on t
payment coupon. Any payment received in that form and at that address
on oF before 5:00 PM. Eastern Tine on a norinal banking day will be
credited to yout Account that day. It your payment is received in that form
and at that address atter 5:00 PM. Eastern Time on a normal banking
day, of anylime on a non-banking day. we will credit il to your Account
the ‘next banking day. Payments can also be made online by visiting
the website address indicated on the payment coupon and the front of this,
billing statement.
When you provide a check as payment, you authorize us either to use the
information from your check to make a one-time electronic fund transfer
from your account or to process the payment as a check transaction. When
we use information from your check to make an electronic fund transfer,
funds may be withdrawn from your account as soon as the same day we
leceive your payment and you will not receive your check back from your
financiat institution.
Payments received at other than the remittance address on the face of this,
statement may be subject to a delay in crediting of up to § days after the
date of receipt
CRECIT BUREAU REPORTING
WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREOIT
BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS
ON YOUR ACCGUNT MAY BE REFLECTEG (N YOUR CREDIT REPORT.
DEFERRED INTEREST PROMOTIONS
Each deferred interest balance accrues interest from the date of purchase,
but we will not charge that interest to your account if you pay such balance
in full before the end of the deferred interest period and you make monthly
minimum payments as tequited. The deterred interest period wil end when
‘one oF more of the following ever
= promotion end date as veterted on on the front of your statement:
‘+ your account becomes more than 180 days past due;
‘+ your account is charged off for any reason,
Interest on a deferred interest balance will accrue duting the deferred
interest period at the APR reflected on the front of your statement, and we
will charge such interest to your account if you do not pay the deterred
interest balance in full before the end of the deterred interest period,
You must make monthly rninitourn payments during the deterred
nterest
ALLOCATING YOUR PAYMENT
YOUR PAYMENTS WILL BE ALLOCATED AS REQUIRED BY LAW.
ANY PAYMENT AMOUNT ABOVE THE MINIMUM PAYMENT DUE
APPLIED AS FOLLOWS: (1) IF YOU
BALANCE FIRST, AND (2) IN ALL OTHER SI WE
ABBLY EXCESS PAYMENTS 10 YOUR HIGHER INTEREST’ BALANCES
HOW INTEREST CHARGES ARE DETERMINED
The INTEREST CHARGE for any Billing Cycle will include the Billed
INTEREST CHARGE amounts computed by multiplying the applicable Daily
Petiodkc Rate or Rates shown an te font af you statement to your Avetage
ity Balance of Purchases and multiplying ive result by the number of days
inthe Giling Cycle. However, no interest wil be assessed on Purchases thal
are within a deferred interest promotion period during a Billing Cycle.
Calculating the Balance Subject to INTEREST CHARGES:
Your In Interest Rate: We use a daily periodic rate to calculate the interest
The daily periodic rate is the applicable APR multiplied
By 128s Tie ppteable APR we refacied on the font ot your statement
When We Charge Interest: We charge interest on your purchases from the
date you make the purchase until you pay the purchase in full
How We Calculate Interest. We calculate interest separately for each
halance segment on your account. We do this by applying ihe dally periodic
tate to your average daily balance (including ne\ ‘and then
multiplying the resuitiag number by the number of days in the biling cycle
for each balance segment. An average daily balance is calculated for the
following balance segments as applicable: purchase balance seqments.
balances subject to defened interest promotions. and the regular balance.
We calculate interest for each balance segment as follows:
1. For each day. we take the beginning balance of each balance segment
in the billing cycle. including any unpaid interest charges. add any
Stew purchases end debis. and then sublract the applicable ¢ partion of
any payments and credits. This gives us the dally balance. Monthly
Service Fees (i applicable). Lalo Payment Fees, Returned Payment
:s. and Doct balance.
2. Then, wwe add all the daily balances for the billing cycle together and
divice the total by the number of days inthe biling cycle, This ives us
the average daily balance.
3. Next we multph the daty periodic rate by the average daily balance
4. Pal’ we tako'the teauting, number toot a8 and mutiply aL bythe
fnumber of days inthe bling cycle, This gives us the interest charge for
each balance segment for the billing
When INTEREST CHARGES Begin to Acorue
Except for Purchases that are within a deferred interest promotion period
dturing the Billing Cyete, periodic INTEREST CHARGES on Purchases wil
nposed at the Daily Pettodic Rate from the date each Purchase is made.
and will continue to accrue on unpaid balances as as they remain
unpaid. There is no grace period on Purchases and, except for Purchases
that are within a detersed interest promotion period, there is no period within
which to avoid paying INTEREST CHARGES on Purchase Balances
OTHER DISCLOSURES:
The First Electronlo Bank Privacy Policy tas nat changed ond fe avaliable
You can also call the
phone autsber tested onthe ont at iis statement fo request @ Copy
of the privacy policy be mailed to you.
This communication is from a debt collector. This is an attempt to collect
a debt and any information obtained will be used for that purpose.
8808-8808-0717BANKCARD SERVICES.
PO BOX
00000000 - 006966 -0001 -0002-7
BEAVERTON OR 97076-4477 Account Number
New Balance $2,208.94
AU AUDLEM ete gett eta eet Minimum Payment Due $125.00
BANKCARD SERVICES ‘Make check/money Payment Due Date 03/18/18
P.O. BOX 84099 M4 xder payable to
COLUMBUS GA 31908-4049 AMOUNT ENCLOSED
Prease write your account number on your checkimoney order
Jott ‘and do not send cash.
0000000
~Address/Phone Number Change _
R Please check here and complete Address/Phone
L 34952-7734 Tr Rrease creck ners and compete Aare
Make your payment online at www.mygenesiscredit.com
Hesse datach this portion and retum with your payment to ensure proper es
it" Retain lower portion foi your records.
OQ ACCOUNT STATEMENT SBS GENESIS
January 20, 2018 - February 19, 2018 CREDIT*
Ashley. " .
ROMESTORE
Aecount Summary Payment Information
Credit Limit $4,000.00 Total New Balance $2,208.94
Available Credit $1,791.08 Minimum Payment Due $125.00
Past Due Amount $0.00 Payment Due Date March 18, 2018
Overtimit Amount $0.00
Statement Closing Date February 19, 2018
# of Days in Billing Cycle 31 Late Payment Warning: If we do not receive your
minimurn payment by the date listed above, you may
Balance Summary have to pay alate fee of up to $35.
Payments nee $0-00 Minimum Payment Warning: If you make only the
Bement as $008 minimum payment each period, you will pay more in
Qlher Cred s2.20e80 interest and it will take you longer to pay off your
pdjucunents 7 balance. For example:
reser arees 0:80 Tryoumake no | Vou will pay oF
[ interest Charge saris sastionsiciarges |inebsiance chown | And you wit end
Using this account | on this statement up paying an
‘and each month in about... estimated total of...
you pay...
Oni the minimum
payment 5 years $3,124
you would ike mformation aboul credit counseling sewvices,
Call 1-866-502-6439 .
Mail payment to:
ing inquiries to: QUESTIONS?
‘Services Call 1-866-502-6439
‘werw. mygenesiscredit.com
AS A REMINDER, IF YOU HAVE A PROMOTIONAL BALANCE THAT WILL EXPIRE IN THE CURRENT
BILLING PERIOD, YOU MUST PAY EACH PROMOTIONAL BALANCE IN FULL BY THE PROMOTION END
DATE OR PAYMENT DUE DATE, WHICHEVER IS LATER, TO AVOID PAYING DEFERRED INTEREST
‘CHARGES.
Transactions
Tran Post
‘Beference Number Date Date Description of Transaction or Credit Amount
07547980280000067079799 01/28. 01/29 WEB PURCHASE $2,208.94
[= Year-
Total fees charged in 2018 $0.00
Total interest charged in 2018 $0.00
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
‘Type of Balance
6 MO PROMOTION
‘Transaction Date:
(v) = Variable Rate
Promotional Plan
You must pay each promotional balance in full by the promotion end date to avoid paying deferred interest charges.
Please see the Deferred Interest Promotions section on the back of this statement for further details.
Promotion Balance Subject Annual Percentage Deferred Interest
Balance End Date tolnterest Rate. ‘BateiAPR) Anterest. Sharge
$2,208.94 07/28/18 $1,567.63 29.99% $39.89 $0.00
0128/18
Notice
PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION
Page 1 of 2ADDRESS / PHONE NUMBER CHANGE FORM
It you provide us with a cellutar phone number, you are explessly consenting that ()} we and our agents may contact
you at that number and (i) we may use automated telephone dialing systems to initiate such contacts
5 And/or leave recorded messages.
3
3 DORE:
8
g ov TATE ZIF CODE
s c
3 HOME PHONE BUSINESS PHONE
3
EMAIL ADORESS
Detach here ¥ and return above portion with your remittance. After detaching. retain lower portion for your future reference.
What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, please write to us at
Bankcard Services, PO. Box 4499, Beaverton, OR 97076-4499. In your
fetter please provide 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 itis a mistake,
You must contact us within 60 days after the error appeared on your
statement. You must notily us of any potential ertors in writing. You may call
Us, but you do we are no! required to investigate any potential errors and
you may have to pay the amount in question. While we investigate whether
Sr not tere has been an ettor the folowing are true:
+ We cannot try to collect the amount in question, oF report you as.
delinquent on that amount
+ The charge in question may remain on your statement, and we may
continue to charge you interest on that amount. But, if’ we determine
that_we made a mistake. you will not have to pay the amount in
question or any interest or other fees related to thal amount
+ While you do not have to pay the amount in question. you are responsible
for the remainder of your batance.
+ We can apply any unpaid amount against your credit lint.
Your Rights If You Are Dissatistied With Your Account Purchases
If you are dissatisfied with the goods or services that you have purchased
using your Account, and you have tried in good faith to correct the problem
with the merchant, you may have the right not fo pay the remaining amount
due on the purchase.
To use this tight, all of the following must be tue:
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 ate necessary if your
purchase was basec 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 Account for the purchase.
3) You must not yet have fully paid for the purchase.
Wall of the criteria above are met and you are still dissatisfied with the
urchase. contact us in writing at Bankcard Services, PO. Box 4499,
jeaverton, OR 97076-4499,
While we investigate, the same tutes apply to the disputed amount as
discussed above. After we finish our investigation, we will tell you our
decision. At that point. it we think you owe an amount and you do not pay,
we may report you as delinquent,
PAYMENTS
Payments should be mailed with the payment coupon and in the envelope
provided to the Bankcard Services payment address indicated on t
payment coupon. Any payment received in that form and at that address
on oF before 5:00 PM. Eastern Tine on a norinal banking day will be
credited to yout Account that day. It your payment is received in that form
and at that address atter 5:00 PM. Eastern Time on a normal banking
day, of anylime on a non-banking day. we will credit il to your Account
the ‘next banking day. Payments can also be made online by visiting
the website address indicated on the payment coupon and the front of this,
billing statement.
When you provide a check as payment, you authorize us either to use the
information from your check to make a one-time electronic fund transfer
from your account or to process the payment as a check transaction. When
we use information from your check to make an electronic fund transfer,
funds may be withdrawn from your account as soon as the same day we
leceive your payment and you will not receive your check back from your
financiat institution.
Payments received at other than the remittance address on the face of this,
statement may be subject to a delay in crediting of up to § days after the
date of receipt
CRECIT BUREAU REPORTING
WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREOIT
BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS
ON YOUR ACCGUNT MAY BE REFLECTEG (N YOUR CREDIT REPORT.
DEFERRED INTEREST PROMOTIONS
Each deferred interest balance accrues interest from the date of purchase,
but we will not charge that interest to your account if you pay such balance
in full before the end of the deferred interest period and you make monthly
minimum payments as sequited. The defersed interest petiod wil end when
‘one of more of the following ever
+ promotion eng date as vehected on on te front of your statement:
+ your account becomes more than 180 days past due:
+ your account is charged off for any reason,
Interest on a deferred interest balance will accrue duting the deferred
interest period at the APR reflected on the front of your statement, and we
will charge such interest to your account if you do not pay the deterred
interest balance in full before the end of the deterred interest period,
You must make monthly rninitourn payments during the deterred
nterest
ALLOCATING YOUR PAYMENT
YOUR PAYMENTS WILL BE ALLOCATED AS REQUIRED BY LAW.
ANY PAYMENT AMOUNT ABOVE THE MINIMUM PAYMENT DUE
APPLIED AS FOLLOWS: (1) IF YOU
BALANCE FIRST, AND (2) IN ALL OTHER SI WE
ABBLY EXCESS PAYMENTS 10 YOUR HIGHER INTEREST’ BALANCES
HOW INTEREST CHARGES ARE DETERMINED
The INTEREST CHARGE for any Billing Cycle will include the Billed
INTEREST CHARGE amounts computed by multiplying the applicable Datiy
Pe iadic Rate at Rates shown on the front af your statement toyour Average
ily Balance of Purchases and mutiplying the resulf by the nurnber of days
ini filing Cycle. However no metest wl be assessed on Purchases tat
are within a deferred interest promotion period during a Billing Cycle_
Calculating the Balance Subject to INTEREST CHARGES:
Your In Interest Rate: We use a daily periodic rate to calculate the interest
The daily periodic rate is the applicable APR multiplied
By 128s Tie ppteable APR we refacied on the font ot your statement
When We Charge Interest: We charge interest on your purchases from the
date you make the purchase until you pay the purchase in full
How We Calculate Interest. We calculate interest separately for each
halance segment on your account. We do this by applying ihe dally periodic
tate to your average daily balance (including ne\ ‘and then
multiplying the resuitiag number by the number of days in the biling cycle
for each balance segment. An average daily balance is calculated for the
following balance segments as applicable: purchase balance seqments.
balances subject to defened interest promotions. and the regular balance.
We calculate interest for each balance segment as follows:
1. For each day. we take the beginning balance of each balance segment
in the billing cycle. including any unpaid interest charges. add any
Stew purchases end debis. and then sublract the applicable ¢ partion of
any payments and credits. This gives us the dally balance. Monthly
Service Fees (i applicable). Lalo Payment Fees, Returned Payment
:s. and Doct balance.
2. Then, wwe add all the daily balances for the billing cycle together and
divice the total by the number of days inthe biling cycle, This ives us
the average daily balance.
3. Next we multph the daty periodic rate by the average daily balance
4. Pal’ we tako'the teauting, number toot a8 and mutiply aL bythe
fnumber of days inthe bling cycle, This gives us the interest charge for
each balance segment for the billing
When INTEREST CHARGES Begin to Acorue
Except for Purchases that are within a deferred interest promotion period
dturing the Billing Cyete, periodic INTEREST CHARGES on Purchases wil
nposed at the Daily Pettodic Rate from the date each Purchase is made.
and will continue to accrue on unpaid balances as as they remain
unpaid. There is no grace period on Purchases and, except for Purchases
that are within a detersed interest promotion period, there is no period within
which to avoid paying INTEREST CHARGES on Purchase Balances
OTHER DISCLOSURES
The First Electronlo Bank Privacy Policy tas nat changed ond fe avaliable
at hite-/wwe/firstelectronic. com/privacy-notice. You can also call the
phone number indicated on the front of this statement fo request 2 copy
of the privacy policy be mailed to you.
This communication is from a debt collector. This is an attempt to collect
a debt and any information obtained will be used for that purpose.
8808-8808-0717Exhibit 2 to
Receivables Sale Agreement dated June 27, 2018
BILL OF SALE
Closing Date: December 28, 2018
Genesis FS Card Services, Inc., an Oregon corporation ("Seller"), in consideration of the
Purchase Price (as defined in the Agreement referred to below) and other valuable consideration,
the receipt of which is hereby acknowledged, hereby sells, assigns and transfers all right, title and
interest in and to (i) the Accounts identified in the Sale File entitled 'Sale File to Brightwater Dec
2018’ (which may be in electronic form) to BRIGHTWATER INVESTMENTS FOUR, LLC, a
("Buyer"), without recourse or representation except as expressly provided herein or pursuant to
the terms, and subject to the conditions, set forth in the Agreement (the “Accounts), and (ii) all
proceeds of such Accounts.
This Bill of Sale is delivered pursuant to that certain Receivables Sale Agreement, dated
as of June 27, 2018, by and among Seller, Genesis Consumer Funding, LLC, GFSPL, LLC and
Buyer (as amended, restated, supplemented or otherwise modified from time to time, the
"Agreement"). All capitalized terms used but not defined in this Bill of Sale shall have the
meanings assigned to such terms in the Agreement.
GENESIS FS CARD SERVICES, INC.
Name: GREGG ATKINSON
Title: CFOExhibit 2a to
Receivables Sale Agreement dated June 27, 2018
BILL OF SALE
Closing Date: December 28, 2018
Genesis Consumer Funding, LLC, a Delaware limited liability company ("Seller"), in
consideration of the Purchase Price (as defined in the Agreement referred to below) and other
valuable consideration, the receipt of which is hereby acknowledged, hereby sells, assigns and
transfers all right, title and interest in and to (i) the receivables associated with the Accounts
identified in the Sale File entitled ‘File Sale to Brightwater Dec 2018! (which may be in electronic
form) to BRIGHTWATER INVESTMENTS FOUR, LLC, ("Buyer"), without recourse or
representation except as expressly provided herein or pursuant to the terms, and subject to the
conditions, set forth in the Agreement (the “Accounts), and (ii) all proceeds of such Accounts.
This Bill of Sale is delivered pursuant to that certain Receivables Sale Agreement, dated
as of June 27, 2018, by and among Seller, Genesis FS Card Services, Inc., GFSPL, LLC and Buyer
(as amended, restated, supplemented or otherwise modified from time to time, the "Agreement").
All capitalized terms used but not defined in this Bill of Sale shall have the meanings assigned to
such terms in the Agreement.
GENESIS CONSUMER FUNDING, LLC
» “Lo
Name: GREGG ATKINSON
Title: CFOExhibit 2b to
Receivables Sale Agreement dated June 27, 2018
BILL OF SALE
Closing Date: December 28, 2018
GFSPL, LLC, a Delaware limited liability company ("Seller"), in consideration of the
Purchase Price (as defined in the Agreement referred to below) and other valuable consideration,
the receipt of which is hereby acknowledged, hereby sells, assigns and transfers all right, title and
interest in and to (i) the receivables associated with the Accounts identified in the Sale File entitled
‘Sale File to Brightwater Dec 2018, (which may be in electronic form) to BRIGHTWATER
INVESTMENTS FOUR, LLC, ("Buyer"), without recourse or representation except as expressly
provided herein or pursuant to the terms, and subject to the conditions, set forth in the Agreement
(the “Accounts), and (ii) all proceeds of such Accounts.
This Bill of Sale is delivered pursuant to that certain Receivables Sale Agreement, dated
as of June 27, 2018, by and among Seller, Genesis FS Card Services, Inc., Genesis Consumer
Funding, LLC and Buyer (as amended, restated, supplemented or otherwise modified from time
to time, the "Agreement"). All capitalized terms used but not defined in this Bill of Sale shall have
the meanings assigned to such terms in the Agreement.
GFSPL, LLC
By: len —
Name: GREGG ADKINSON
Title: CFOExhibit A
ASSIGNMENT AND BILL OF SALE
Brightwater Investments Four, LLC ("Seller") has entered into an Agreement, dated
August 6", 2021(“Agreement") for the sale of Accounts described in Agreement thereof to BW
34, LLC (Purchaser"), upon terms and conditions set forth in that Agreement.
NOW, THEREFORE, for good and valuable consideration, Seller hereby sells, assigns,
and transfers to Purchaser all of Seller's rights, title, and interest in each and every one of
the Accounts described in the Agreement, provided however such transfer is made
without any representations, warranties, or recourse.
IN WITNESS WHEREOF, Seller has signed and delivered this instrument on the 6th
day of August, 2021
Brightwater Investments Four, LLC
—L Shake __
SignatureExhibit A
ASSIGNMENT AND BILL OF SALE
BW 34, LLC ("Seller") has entered into an Agreement, dated September 8", 2021(“Agreement")
for the sale of Accounts described in Agreement thereof to Islandwide Consulting Group
(Purchaser"), upon terms and conditions set forth in that Agreement.
NOW, THEREFORE, for good and valuable consideration, Seller hereby sells, assigns,
and transfers to Purchaser all of Seller's rights, title, and interest in each and every one of
the Accounts described in the Agreement, provided however such transfer is made
without any representations, warranties, or recourse.
IN WITNESS WHEREOF, Seller has signed and delivered this instrument on the 8th
day of September, 2021.
BW 34, LLC
SignatureExhibit A
ASSIGNMENT AND BILL OF SALE
Islandwide Consulting Group ("Seller") has entered into an Agreement, dated November
4th ,2021 (‘Agreement") for the sale of Accounts described in Agreement thereof to
Forsythe Finance, LLC(Purchaser"), upon terms and conditions set forth in that
Agreement.
NOW, THEREFORE, for good and valuable consideration, Seller hereby sells, assigns,
and transfers to Purchaser all of Seller's rights, title, and interest in each and every one of
the Accounts described in the Agreement, provided however such transfer is made
without any representations, warranties, or recourse.
IN WITNESS WHEREOE, Seller has signed and delivered this instrument on the 4th, day
of November 2021
Islandwide Consulting Group
Bs Voce
Gene Vetere
Buyer's Initials C
Preview
562022SC002182AXXXHC Filing # 152517694 E-Filed 06/30/2022 01:49:30 PM IN THE COUNTY COURT OF THE NINETEENTH JUDICIAL CIRCUIT OF THE STATE OF FLORIDA, IN AND FOR ST. LUCIE COUNTY CIVIL DIVISION FORSYTHE FINANCE, LLC Plaintiff, VS. CASE NO. ALYSSA TORRES , Defendant, / COMPLAINT FORSYTHE FINANCE, LLC, by and through its undersigned counsel, sues the Defendant, ALYSSA TORRES , and alleges: 1. This is an action for damages that does not exceed $8000.00, exclusive of interest, cost, and attorney’s fees. This court has jurisdiction. 2. Defendant (s) entered into the agreement, and/or is a resident of this county. 3. That Defendant entered into a Loan Agreement with Plaintiff or Plaintiff's predecessor in interest (herein after “Plaintiff’). 4. Pursuant to the agreement, the Defendant was given a Loan which funds were accepted without objection. The Loan Agreement is attached hereto as Exhibit “A” and incorporated herein by reference. 5. The Defendant is failed to make the installment payment due on 03/28/2018,and all subsequent payments due, therefore, the Defendant is in default and obligated to Plaintiff in the amount $2,842.37. 6. The Defendant has not paid in accordance with the agreement. 7. Plaintiff is further obligated to pay its attorney a reasonable fee for services. 8. All conditions precedent to bringing this action have been complied with or occurred, including, but not limited to, all applicable contractual and statutory notice provisions. WHEREFORE, Plaintiff, FORSYTHE FINANCE, LLC, demands judgment for damages in the amount of $2,842.37, together with interest, costs, and attorney's fee against Defendant ALYSSA TORRES. Coan Kidd Consuegra & Duffy P.L.L.C. Amanda R. Duffy/Florida Bar #35612 Joshua D. Moore/Florida Bar #096062 Evan D. Kidd/Florida Bar #116202 Joseph C. Dominguez/Florida Bar #65013 e Shaquan S. Lewis/Florida Bar #1035602 9210 King Palm Drive, Tampa, Florida 33619 Tel (866) 798-9110; Fax (813) 915-0559 Email: lawsuitnotices@consuegralaw.com Our File No.: 105149GENESIS FS CARD SERVICES PO Bi = BEAVERTON OR 97076-4477 Account Number iS Z New Balance & UPTO el ae ee PL Minimum Payment Que 3 BENESzES F ARD SERVICES ag Mike checadmonery Payment Due Date 10/18/18 i COLUMBUS GA 31908-4049 amounrencioseo = [$77] 3 Please write your account number on your check/monay order i do not send cash AdaieaePhone Numer Charae 1 Prease check nere and complete Address/Phone Number Change Form on reverse side Make your payment online at www.mygenesiscredit.com a ACCOUNT STATEMENT &©® GENESIS EE As hley. August 19, 2018 CREOIT* SS Account Summary, Fayment Information ‘Credit Limit Total New Balance Avatiable Credit Minimum P: ent Due $41 Past Oue Amount Payment Due Date October 1 Amount tement Closing Date ha Payment Warning: If we da not receive your imum payment by the date listed above, you may Balance Summary have to pay a late fee of up to $35. Previous Balance Minimum Payment Warning: If you make only the Ba eS its minimum payment each penod, you will pay more in interest and it will For example: you longer to pay off your the nalance shown And you will end ‘on this state ‘up paying an estimated total of... payment Syears 33,599 T7you would ike formation about credit counseling services, call 4-866-502-6439 Mail payment to: Please mail billing inquiries to: @uesTions? Genesis FS Card Services ‘Genesis FS Cant Services Call ¢-866-502-6439 P.O. BOX 84049 P.O. Box 4499 weve: trygenestacredit.com COLUMBUS GA 31908-4049 Beaverton, OR 97076-4499 AS A REMINDER, IF YOU HAVE A PROMOTIONAL BALANCE THAT WILL EXPIRE IN THE CURRENT BILLING PERIOD, YOU MUST PAY EACH PROMOTIONAL BALANCE IN FULL BY THE PROMOTION END DATE OR PAYMENT DUE DATE, WHICHEVER IS LATER, TO AVOID PAYING DEFERRED INTEREST ‘CHARGES. YOUR ACCOUNT IS PAST DUE $909.00. THE PAST DUE AMOUNT IS INCLUDED IN THE MINIMUM PAYMENT. PLEASE REMIT IMMEDIATELY. Foes Tran Post ‘Baterence Number Rate Date Bescrintion of Transaction or Credit Amount 09/19 0/19 LATE PAYMENT CHARG! $35.00 TOTAL FEES FOR THIS PERIOD $95.00 Charged ran Post Beterence Number Pate Date ction of Amount ADB. 2.20894 09719098 INTEREST CHARGE - 10000125 $54.40 0819 08/13 INTEREST CHARGE PURCHASE $9.11 ‘TOTAL INTEREST FOR THIS PERIOD $63.51 ZUTS Totals vear-to-Uate Total tees charged in 2018 200.00 Total interest charged in 2018 $433.43 PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION. Page 1013.00000000 - 003861 -0002 -0003-7 OQ ACCOUNT STATEMENT &® GENESIS a - Ashley. August 21, 2018 - Seplember 19, 2018 CREDIT HOMESTORE Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Promotion Balance Subject Annual Percentage Deferred Interest ‘vee of Balance Balance ‘End Date to interest Rate. ‘RateiAPR) interest. Sharge_ Regular $379.03 NA $369.92 29.99% N/A $9.11 EXPIRED PROMOTION $2,263.34 NIA $2,208.94 29.99% NIA $54.40 Transaction Date: 01/28/18 Misc\Fees $200.00 NIA $0.00 0.00% N/A $0.00 (v) = Variable Rate Promotional Plan Notice You must pay each promotional balance in full by the promotion end date to avoid paying deferred interest charges. Please see the Deferred Interest Promotions section on the back of this statement for further details. PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION Page 2 of 3ADDRESS / PHONE NUMBER CHANGE FORM It you provide us with a cellutar phone number, you are explessly consenting that ()} we and our agents may contact you at that number and (i) we may use automated telephone dialing systems to initiate such contacts > And/or leave recorded messages. 3 3 DORE: B 2g ov TATE ZIF CODE s c 3 HOME PHONE BUSINESS PHONE 3 EMAIL ADORESS Detach here ¥ and return above portion with your remittance. After detaching. retain lower portion for your future reference. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, please write to us at Bankcard Services, PO. Box 4499, Beaverton, OR 97076-4499. In your fetter please provide 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 itis a mistake, You must contact us within 60 days after the error appeared on your statement. You must notily us of any potential ertors in writing. You may call Us, but you do we are no! required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether Sr not tere has been an ettor the folowing are true: + We cannot try to collect the amount in question, oF report you as. delinquent on that amount + The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if’ we determine that_we made a mistake. you will not have to pay the amount in question or any interest or other fees related to thal amount + While you do not have to pay the amount in question. you are responsible for the remainder of your batance. + We can apply any unpaid amount against your credit lint. Your Rights If You Are Dissatistied With Your Account Purchases If you are dissatisfied with the goods or services that you have purchased using your Account, and you have tried in good faith to correct the problem with the merchant, you may have the right not fo pay the remaining amount due on the purchase. To use this tight, all of the following must be tue: 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 ate necessary if your purchase was basec 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 Account for the purchase. 3) You must not yet have fully paid for the purchase. Wall of the criteria above are met and you are still dissatisfied with the urchase. contact us in writing at Bankcard Services, PO. Box 4499, jeaverton, OR 97076-4499, While we investigate, the same tutes apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point. it we think you owe an amount and you do not pay, we may report you as delinquent, PAYMENTS Payments should be mailed with the payment coupon and in the envelope provided to the Bankcard Services payment address indicated on t payment coupon. Any payment received in that form and at that address on oF before 5:00 PM. Eastern Tine on a norinal banking day will be credited to yout Account that day. It your payment is received in that form and at that address atter 5:00 PM. Eastern Time on a normal banking day, of anylime on a non-banking day. we will credit il to your Account the ‘next banking day. Payments can also be made online by visiting the website address indicated on the payment coupon and the front of this, billing statement. When you provide a check as payment, you authorize us either to use the information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we leceive your payment and you will not receive your check back from your financiat institution. Payments received at other than the remittance address on the face of this, statement may be subject to a delay in crediting of up to § days after the date of receipt CRECIT BUREAU REPORTING WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREOIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCGUNT MAY BE REFLECTEG (N YOUR CREDIT REPORT. DEFERRED INTEREST PROMOTIONS Each deferred interest balance accrues interest from the date of purchase, but we will not charge that interest to your account if you pay such balance in full before the end of the deferred interest period and you make monthly minimum payments as tequited. The deterred interest period wil end when ‘one oF more of the following ever = promotion end date as veterted on on the front of your statement: ‘+ your account becomes more than 180 days past due; ‘+ your account is charged off for any reason, Interest on a deferred interest balance will accrue duting the deferred interest period at the APR reflected on the front of your statement, and we will charge such interest to your account if you do not pay the deterred interest balance in full before the end of the deterred interest period, You must make monthly rninitourn payments during the deterred nterest ALLOCATING YOUR PAYMENT YOUR PAYMENTS WILL BE ALLOCATED AS REQUIRED BY LAW. ANY PAYMENT AMOUNT ABOVE THE MINIMUM PAYMENT DUE APPLIED AS FOLLOWS: (1) IF YOU BALANCE FIRST, AND (2) IN ALL OTHER SI WE ABBLY EXCESS PAYMENTS 10 YOUR HIGHER INTEREST’ BALANCES HOW INTEREST CHARGES ARE DETERMINED The INTEREST CHARGE for any Billing Cycle will include the Billed INTEREST CHARGE amounts computed by multiplying the applicable Daily Petiodkc Rate or Rates shown an te font af you statement to your Avetage ity Balance of Purchases and multiplying ive result by the number of days inthe Giling Cycle. However, no interest wil be assessed on Purchases thal are within a deferred interest promotion period during a Billing Cycle. Calculating the Balance Subject to INTEREST CHARGES: Your In Interest Rate: We use a daily periodic rate to calculate the interest The daily periodic rate is the applicable APR multiplied By 128s Tie ppteable APR we refacied on the font ot your statement When We Charge Interest: We charge interest on your purchases from the date you make the purchase until you pay the purchase in full How We Calculate Interest. We calculate interest separately for each halance segment on your account. We do this by applying ihe dally periodic tate to your average daily balance (including ne\ ‘and then multiplying the resuitiag number by the number of days in the biling cycle for each balance segment. An average daily balance is calculated for the following balance segments as applicable: purchase balance seqments. balances subject to defened interest promotions. and the regular balance. We calculate interest for each balance segment as follows: 1. For each day. we take the beginning balance of each balance segment in the billing cycle. including any unpaid interest charges. add any Stew purchases end debis. and then sublract the applicable ¢ partion of any payments and credits. This gives us the dally balance. Monthly Service Fees (i applicable). Lalo Payment Fees, Returned Payment :s. and Doct balance. 2. Then, wwe add all the daily balances for the billing cycle together and divice the total by the number of days inthe biling cycle, This ives us the average daily balance. 3. Next we multph the daty periodic rate by the average daily balance 4. Pal’ we tako'the teauting, number toot a8 and mutiply aL bythe fnumber of days inthe bling cycle, This gives us the interest charge for each balance segment for the billing When INTEREST CHARGES Begin to Acorue Except for Purchases that are within a deferred interest promotion period dturing the Billing Cyete, periodic INTEREST CHARGES on Purchases wil nposed at the Daily Pettodic Rate from the date each Purchase is made. and will continue to accrue on unpaid balances as as they remain unpaid. There is no grace period on Purchases and, except for Purchases that are within a detersed interest promotion period, there is no period within which to avoid paying INTEREST CHARGES on Purchase Balances OTHER DISCLOSURES: The First Electronlo Bank Privacy Policy tas nat changed ond fe avaliable You can also call the phone autsber tested onthe ont at iis statement fo request @ Copy of the privacy policy be mailed to you. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 8808-8808-0717BANKCARD SERVICES. PO BOX 00000000 - 006966 -0001 -0002-7 BEAVERTON OR 97076-4477 Account Number New Balance $2,208.94 AU AUDLEM ete gett eta eet Minimum Payment Due $125.00 BANKCARD SERVICES ‘Make check/money Payment Due Date 03/18/18 P.O. BOX 84099 M4 xder payable to COLUMBUS GA 31908-4049 AMOUNT ENCLOSED Prease write your account number on your checkimoney order Jott ‘and do not send cash. 0000000 ~Address/Phone Number Change _ R Please check here and complete Address/Phone L 34952-7734 Tr Rrease creck ners and compete Aare Make your payment online at www.mygenesiscredit.com Hesse datach this portion and retum with your payment to ensure proper es it" Retain lower portion foi your records. OQ ACCOUNT STATEMENT SBS GENESIS January 20, 2018 - February 19, 2018 CREDIT* Ashley. " . ROMESTORE Aecount Summary Payment Information Credit Limit $4,000.00 Total New Balance $2,208.94 Available Credit $1,791.08 Minimum Payment Due $125.00 Past Due Amount $0.00 Payment Due Date March 18, 2018 Overtimit Amount $0.00 Statement Closing Date February 19, 2018 # of Days in Billing Cycle 31 Late Payment Warning: If we do not receive your minimurn payment by the date listed above, you may Balance Summary have to pay alate fee of up to $35. Payments nee $0-00 Minimum Payment Warning: If you make only the Bement as $008 minimum payment each period, you will pay more in Qlher Cred s2.20e80 interest and it will take you longer to pay off your pdjucunents 7 balance. For example: reser arees 0:80 Tryoumake no | Vou will pay oF [ interest Charge saris sastionsiciarges |inebsiance chown | And you wit end Using this account | on this statement up paying an ‘and each month in about... estimated total of... you pay... Oni the minimum payment 5 years $3,124 you would ike mformation aboul credit counseling sewvices, Call 1-866-502-6439 . Mail payment to: ing inquiries to: QUESTIONS? ‘Services Call 1-866-502-6439 ‘werw. mygenesiscredit.com AS A REMINDER, IF YOU HAVE A PROMOTIONAL BALANCE THAT WILL EXPIRE IN THE CURRENT BILLING PERIOD, YOU MUST PAY EACH PROMOTIONAL BALANCE IN FULL BY THE PROMOTION END DATE OR PAYMENT DUE DATE, WHICHEVER IS LATER, TO AVOID PAYING DEFERRED INTEREST ‘CHARGES. Transactions Tran Post ‘Beference Number Date Date Description of Transaction or Credit Amount 07547980280000067079799 01/28. 01/29 WEB PURCHASE $2,208.94 [= Year- Total fees charged in 2018 $0.00 Total interest charged in 2018 $0.00 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. ‘Type of Balance 6 MO PROMOTION ‘Transaction Date: (v) = Variable Rate Promotional Plan You must pay each promotional balance in full by the promotion end date to avoid paying deferred interest charges. Please see the Deferred Interest Promotions section on the back of this statement for further details. Promotion Balance Subject Annual Percentage Deferred Interest Balance End Date tolnterest Rate. ‘BateiAPR) Anterest. Sharge $2,208.94 07/28/18 $1,567.63 29.99% $39.89 $0.00 0128/18 Notice PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION Page 1 of 2ADDRESS / PHONE NUMBER CHANGE FORM It you provide us with a cellutar phone number, you are explessly consenting that ()} we and our agents may contact you at that number and (i) we may use automated telephone dialing systems to initiate such contacts 5 And/or leave recorded messages. 3 3 DORE: 8 g ov TATE ZIF CODE s c 3 HOME PHONE BUSINESS PHONE 3 EMAIL ADORESS Detach here ¥ and return above portion with your remittance. After detaching. retain lower portion for your future reference. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, please write to us at Bankcard Services, PO. Box 4499, Beaverton, OR 97076-4499. In your fetter please provide 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 itis a mistake, You must contact us within 60 days after the error appeared on your statement. You must notily us of any potential ertors in writing. You may call Us, but you do we are no! required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether Sr not tere has been an ettor the folowing are true: + We cannot try to collect the amount in question, oF report you as. delinquent on that amount + The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if’ we determine that_we made a mistake. you will not have to pay the amount in question or any interest or other fees related to thal amount + While you do not have to pay the amount in question. you are responsible for the remainder of your batance. + We can apply any unpaid amount against your credit lint. Your Rights If You Are Dissatistied With Your Account Purchases If you are dissatisfied with the goods or services that you have purchased using your Account, and you have tried in good faith to correct the problem with the merchant, you may have the right not fo pay the remaining amount due on the purchase. To use this tight, all of the following must be tue: 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 ate necessary if your purchase was basec 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 Account for the purchase. 3) You must not yet have fully paid for the purchase. Wall of the criteria above are met and you are still dissatisfied with the urchase. contact us in writing at Bankcard Services, PO. Box 4499, jeaverton, OR 97076-4499, While we investigate, the same tutes apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point. it we think you owe an amount and you do not pay, we may report you as delinquent, PAYMENTS Payments should be mailed with the payment coupon and in the envelope provided to the Bankcard Services payment address indicated on t payment coupon. Any payment received in that form and at that address on oF before 5:00 PM. Eastern Tine on a norinal banking day will be credited to yout Account that day. It your payment is received in that form and at that address atter 5:00 PM. Eastern Time on a normal banking day, of anylime on a non-banking day. we will credit il to your Account the ‘next banking day. Payments can also be made online by visiting the website address indicated on the payment coupon and the front of this, billing statement. When you provide a check as payment, you authorize us either to use the information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we leceive your payment and you will not receive your check back from your financiat institution. Payments received at other than the remittance address on the face of this, statement may be subject to a delay in crediting of up to § days after the date of receipt CRECIT BUREAU REPORTING WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREOIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCGUNT MAY BE REFLECTEG (N YOUR CREDIT REPORT. DEFERRED INTEREST PROMOTIONS Each deferred interest balance accrues interest from the date of purchase, but we will not charge that interest to your account if you pay such balance in full before the end of the deferred interest period and you make monthly minimum payments as sequited. The defersed interest petiod wil end when ‘one of more of the following ever + promotion eng date as vehected on on te front of your statement: + your account becomes more than 180 days past due: + your account is charged off for any reason, Interest on a deferred interest balance will accrue duting the deferred interest period at the APR reflected on the front of your statement, and we will charge such interest to your account if you do not pay the deterred interest balance in full before the end of the deterred interest period, You must make monthly rninitourn payments during the deterred nterest ALLOCATING YOUR PAYMENT YOUR PAYMENTS WILL BE ALLOCATED AS REQUIRED BY LAW. ANY PAYMENT AMOUNT ABOVE THE MINIMUM PAYMENT DUE APPLIED AS FOLLOWS: (1) IF YOU BALANCE FIRST, AND (2) IN ALL OTHER SI WE ABBLY EXCESS PAYMENTS 10 YOUR HIGHER INTEREST’ BALANCES HOW INTEREST CHARGES ARE DETERMINED The INTEREST CHARGE for any Billing Cycle will include the Billed INTEREST CHARGE amounts computed by multiplying the applicable Datiy Pe iadic Rate at Rates shown on the front af your statement toyour Average ily Balance of Purchases and mutiplying the resulf by the nurnber of days ini filing Cycle. However no metest wl be assessed on Purchases tat are within a deferred interest promotion period during a Billing Cycle_ Calculating the Balance Subject to INTEREST CHARGES: Your In Interest Rate: We use a daily periodic rate to calculate the interest The daily periodic rate is the applicable APR multiplied By 128s Tie ppteable APR we refacied on the font ot your statement When We Charge Interest: We charge interest on your purchases from the date you make the purchase until you pay the purchase in full How We Calculate Interest. We calculate interest separately for each halance segment on your account. We do this by applying ihe dally periodic tate to your average daily balance (including ne\ ‘and then multiplying the resuitiag number by the number of days in the biling cycle for each balance segment. An average daily balance is calculated for the following balance segments as applicable: purchase balance seqments. balances subject to defened interest promotions. and the regular balance. We calculate interest for each balance segment as follows: 1. For each day. we take the beginning balance of each balance segment in the billing cycle. including any unpaid interest charges. add any Stew purchases end debis. and then sublract the applicable ¢ partion of any payments and credits. This gives us the dally balance. Monthly Service Fees (i applicable). Lalo Payment Fees, Returned Payment :s. and Doct balance. 2. Then, wwe add all the daily balances for the billing cycle together and divice the total by the number of days inthe biling cycle, This ives us the average daily balance. 3. Next we multph the daty periodic rate by the average daily balance 4. Pal’ we tako'the teauting, number toot a8 and mutiply aL bythe fnumber of days inthe bling cycle, This gives us the interest charge for each balance segment for the billing When INTEREST CHARGES Begin to Acorue Except for Purchases that are within a deferred interest promotion period dturing the Billing Cyete, periodic INTEREST CHARGES on Purchases wil nposed at the Daily Pettodic Rate from the date each Purchase is made. and will continue to accrue on unpaid balances as as they remain unpaid. There is no grace period on Purchases and, except for Purchases that are within a detersed interest promotion period, there is no period within which to avoid paying INTEREST CHARGES on Purchase Balances OTHER DISCLOSURES The First Electronlo Bank Privacy Policy tas nat changed ond fe avaliable at hite-/wwe/firstelectronic. com/privacy-notice. You can also call the phone number indicated on the front of this statement fo request 2 copy of the privacy policy be mailed to you. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 8808-8808-0717Exhibit 2 to Receivables Sale Agreement dated June 27, 2018 BILL OF SALE Closing Date: December 28, 2018 Genesis FS Card Services, Inc., an Oregon corporation ("Seller"), in consideration of the Purchase Price (as defined in the Agreement referred to below) and other valuable consideration, the receipt of which is hereby acknowledged, hereby sells, assigns and transfers all right, title and interest in and to (i) the Accounts identified in the Sale File entitled 'Sale File to Brightwater Dec 2018’ (which may be in electronic form) to BRIGHTWATER INVESTMENTS FOUR, LLC, a ("Buyer"), without recourse or representation except as expressly provided herein or pursuant to the terms, and subject to the conditions, set forth in the Agreement (the “Accounts), and (ii) all proceeds of such Accounts. This Bill of Sale is delivered pursuant to that certain Receivables Sale Agreement, dated as of June 27, 2018, by and among Seller, Genesis Consumer Funding, LLC, GFSPL, LLC and Buyer (as amended, restated, supplemented or otherwise modified from time to time, the "Agreement"). All capitalized terms used but not defined in this Bill of Sale shall have the meanings assigned to such terms in the Agreement. GENESIS FS CARD SERVICES, INC. Name: GREGG ATKINSON Title: CFOExhibit 2a to Receivables Sale Agreement dated June 27, 2018 BILL OF SALE Closing Date: December 28, 2018 Genesis Consumer Funding, LLC, a Delaware limited liability company ("Seller"), in consideration of the Purchase Price (as defined in the Agreement referred to below) and other valuable consideration, the receipt of which is hereby acknowledged, hereby sells, assigns and transfers all right, title and interest in and to (i) the receivables associated with the Accounts identified in the Sale File entitled ‘File Sale to Brightwater Dec 2018! (which may be in electronic form) to BRIGHTWATER INVESTMENTS FOUR, LLC, ("Buyer"), without recourse or representation except as expressly provided herein or pursuant to the terms, and subject to the conditions, set forth in the Agreement (the “Accounts), and (ii) all proceeds of such Accounts. This Bill of Sale is delivered pursuant to that certain Receivables Sale Agreement, dated as of June 27, 2018, by and among Seller, Genesis FS Card Services, Inc., GFSPL, LLC and Buyer (as amended, restated, supplemented or otherwise modified from time to time, the "Agreement"). All capitalized terms used but not defined in this Bill of Sale shall have the meanings assigned to such terms in the Agreement. GENESIS CONSUMER FUNDING, LLC » “Lo Name: GREGG ATKINSON Title: CFOExhibit 2b to Receivables Sale Agreement dated June 27, 2018 BILL OF SALE Closing Date: December 28, 2018 GFSPL, LLC, a Delaware limited liability company ("Seller"), in consideration of the Purchase Price (as defined in the Agreement referred to below) and other valuable consideration, the receipt of which is hereby acknowledged, hereby sells, assigns and transfers all right, title and interest in and to (i) the receivables associated with the Accounts identified in the Sale File entitled ‘Sale File to Brightwater Dec 2018, (which may be in electronic form) to BRIGHTWATER INVESTMENTS FOUR, LLC, ("Buyer"), without recourse or representation except as expressly provided herein or pursuant to the terms, and subject to the conditions, set forth in the Agreement (the “Accounts), and (ii) all proceeds of such Accounts. This Bill of Sale is delivered pursuant to that certain Receivables Sale Agreement, dated as of June 27, 2018, by and among Seller, Genesis FS Card Services, Inc., Genesis Consumer Funding, LLC and Buyer (as amended, restated, supplemented or otherwise modified from time to time, the "Agreement"). All capitalized terms used but not defined in this Bill of Sale shall have the meanings assigned to such terms in the Agreement. GFSPL, LLC By: len — Name: GREGG ADKINSON Title: CFOExhibit A ASSIGNMENT AND BILL OF SALE Brightwater Investments Four, LLC ("Seller") has entered into an Agreement, dated August 6", 2021(“Agreement") for the sale of Accounts described in Agreement thereof to BW 34, LLC (Purchaser"), upon terms and conditions set forth in that Agreement. NOW, THEREFORE, for good and valuable consideration, Seller hereby sells, assigns, and transfers to Purchaser all of Seller's rights, title, and interest in each and every one of the Accounts described in the Agreement, provided however such transfer is made without any representations, warranties, or recourse. IN WITNESS WHEREOF, Seller has signed and delivered this instrument on the 6th day of August, 2021 Brightwater Investments Four, LLC —L Shake __ SignatureExhibit A ASSIGNMENT AND BILL OF SALE BW 34, LLC ("Seller") has entered into an Agreement, dated September 8", 2021(“Agreement") for the sale of Accounts described in Agreement thereof to Islandwide Consulting Group (Purchaser"), upon terms and conditions set forth in that Agreement. NOW, THEREFORE, for good and valuable consideration, Seller hereby sells, assigns, and transfers to Purchaser all of Seller's rights, title, and interest in each and every one of the Accounts described in the Agreement, provided however such transfer is made without any representations, warranties, or recourse. IN WITNESS WHEREOF, Seller has signed and delivered this instrument on the 8th day of September, 2021. BW 34, LLC SignatureExhibit A ASSIGNMENT AND BILL OF SALE Islandwide Consulting Group ("Seller") has entered into an Agreement, dated November 4th ,2021 (‘Agreement") for the sale of Accounts described in Agreement thereof to Forsythe Finance, LLC(Purchaser"), upon terms and conditions set forth in that Agreement. NOW, THEREFORE, for good and valuable consideration, Seller hereby sells, assigns, and transfers to Purchaser all of Seller's rights, title, and interest in each and every one of the Accounts described in the Agreement, provided however such transfer is made without any representations, warranties, or recourse. IN WITNESS WHEREOE, Seller has signed and delivered this instrument on the 4th, day of November 2021 Islandwide Consulting Group Bs Voce Gene Vetere Buyer's Initials C