Preview
SUPERIOR COURT OF CALIFORNIA
COUNTY OF SAN FRANCISCO
Document Scanning Lead Sheet
Oct-01-2012 9:25 am
Case Number: CGC-11-509532
Filing Date: Oct-01-2012 9:25
Filed by: NADITA MASON
Juke Box: 001 Image: 03785339
DECLARATION
FIA CARD SERVICES, N.A. VS. MARIA A. PORTILLO et al
001C03785339
Instructions:
Please place this sheet on top of the document to be scanned.LAW OFFICE OF HARRIS AND ZIDE
FLINT C. ZIDE
STATE BAR NUMBER 160369
1445 HUNTINGTON DRIVE, SUITE 300
|| SOUTH PASADENA, CA 91030
, 626-799-8444
i
Attorneys for Plaintiff
SUPE
°
S
e
=z
3
~x
°
3
>
z=
2012 OCT -|
CLERK OF THe COURT
tg. .
DEPUTY CLERK
i SUPERIOR COURT OF CALIFORNIA, COUNTY OF SAN FRANCISCO
SAN FRANCISCO COURTHOUSE, LIMITED CIVIL CASE
‘| PIA CARD SERVICES, N.A.
PLAINTIFF,
vs.
"MARIA A PORTILLO ,
_ DEFENDANT (S)
CASE NO: CGC-11-509532
DECLARATION IN SUPPORT OF
APPLICATION FOR ENTRY OF JUDGMENT
C.C.P.585 (D);
ORDER THEREON
The declaration is attached hereto and hereby incorporated herein.
DECLARATION IN SUPPORT OF APPLICATION FOR ENTRY OF JUDGMENTe Oe @
FLINT C. ZIDE
LAW OFFICE OF HARRIS & ZIDE
STATE BAR NUMBER 160369
1445 HUNTINGTON DRIVE SUITE 300
SOUTH PASADENA, CA 91030
SAN FRANCISCO COURTHOUSE
FIA Card Services, N.A.
Plaintiff,
v. Case No. CGC-11-509532
DECLARATION IN SUPPORT OF
MARIA A PORTILLO APPLICATION FOR ENTRY OF
Defendant(s). JUDGMENT
|, Beth Ammons, hereby declare:
4. | am over 18 years old and competent to make this affidavit. | am a Custodian of Records
and an authorized Officer of Plaintiff FIA Card Services, N.A for purposes of this affidavit. | am
duly authorized to make this declaration, and because of the scope of my job responsibilities, |
am familiar with the manner and method by which Plaintiff maintains its normal business books
and records, including computer records of defaulted accounts.
2. These books and records are made in the course of regularly conducted business activity:
(1) at or near the time the events they purport to describe occurred, by a person with
knowledge of the acts and events, or (2) by a computer or other similar digital means, which
contemporaneously records an event as it occurs. The contents of this declaration are true and
correct based upon my personal knowledge of the processes by which Plaintiff maintains its
business books and records.
3. The books and records of Plaintiff show that Defendant(s) opened an account with FIA Card
Services, N.A., or a predecessor in interest, for the purpose of obtaining an extension of credit
and did thereafter use or authorize the use of the account for the acquisition of goods,
services, or cash advances in accordance with the customer agreement governing use of that
account. Further, Defendant(s) has/have breached the Agreement by failing to make periodic
payments as required thereby.
4. The books and records of Plaintiff show that Defendant(s) is/are currently indebted to
Plaintiff on account number XXXX-XXXX-XXXX-6139 for the just and true sum of $18,929.78
and that all just and lawful offsets, payments, and credits have been allowed. The last payment
or charge to this account occurred on 01/14/10. The customer agreement entered into
between the Defendant and the Plaintiff, or a predecessor in interest, also authorizes Plaintiffs
to recover from Defendant(s) costs to the extent permitted by law.5. Under California Code of Evidence § 1550 (a)(2), Plaintiff also submits a copy(copies) of the
itemized statement(s) supporting the principal balance true and accurate copies are attached
hereto as Exhibit “A” and incorporated herein by reference. Since the date of this statement
there have been credits totaling $0.00, leaving a present balance of $18,929.78 due, owing,
and unpaid. The exhibits attached to this declaration were prepared in the ordinary course of
business.
6. | declare under the penalty of perjury under the laws of California that the foregoing is true
and correct and if called as a witness | would competently testify, under oath, thereto.
Given under my hand on:
Dated: APR 2 5 2012
Declarant Name (Printed) Beth Ammons
Declarant Name (Signatur
Title of Declarant Officer1 ‘LAW OFFICE OF HARRIS AND ZIDE
| FLINT C. ZIDE
2 STATE BAR NUMBERS 160369
1445 HUNTINGTON DRIVE, SUITE 300
3. SOUTH PASADENA, CA 91030
626-799-8444
‘ ‘Attorneys for Plaintiff
5.
6) SUPERIOR COURT OF CALIFORNIA, COUNTY OF SAN FRANCISCO
7 SAN FRANCISCO COURTHOUSE, LIMITED CIVIL CASE
8
9'' FIA CARD SERVICES, N.A. , CASE NO: CGC-11-509532
10°
1! PLAINTIFF,
)
)
) ORDER ALLOWING COPY OF SUPPORTING
)
vs. )
)
)
)
)
)
DOCUMENT TO ACT AS ORIGINAL
11
12.!|MARIA A PORTILLO ,
13
. DEFENDANT (S)
14
15° Having read plaintiff's declaration, and good cause showing:
16
17 || It is hereby ordered that plaintiff's Exhibit "A" be accepted as the
| we . . woe .
18 ‘original instrument since the original supporting document has been lost.
19
ll
20 Il 1
|
21/| Dated:
li Judge of the Superior CourtEXHIBIT ABank of America
ug
IMPORTANT NOTICE OF CHANGE IN TERMS
a
BUG, ANd: aprainistered: by: f
NGA Or Ment. together with the
Supplement To The Notice Of Change in Terms on the
enclosed statement, ts your new “Credit Cand Agreement” and
replaces in whole, on the Effective Date, your existing
Cardholder Agreement and will apply to all new and
outstanding balances. Please read these documents carefully
and retain them for your records.
Except for Section 12 and Section 13, afl of the changes
below will apply to your account as of the first day of your
billing cycle that includes the Effective Dale. Sections 12 and
18 will appty to your account as of the Effective Date.
As a pari of the transition, we will be restructuring your account
Dalances into four balance categories (as newly defined by
your Credit Card Agreement): Category A, tor Check Cash
Advances and Balance Transters; Category B, tor Bank and
ATM Cash Advances: Category C for Purchases: and Category
..D. for Other Balances. in same cases we will consolidate
existing balances into a single ‘balance category. When we do
so, we will honor, or lower, the existing Annual Percentage
Rates, including any existing pramotional rates or defautt rates
thal may be available on this account,
CREDIT CARD AGREEMENT
We reserve the right to change the terms of this
Agreement at any time, as turther described in the
following sections: Balance Categories and We May
Amend This Agmement.
4. YOUR CONTRACT WITH US
Your Agreement with us consists of ths Cred Card Agreement
and any changes we make to Il rom time to time. The terms
Of thts Agreement apply to you Il any of you applied for and
were granted an account, used the account, maintained the
gecount, and/or otherwise accepied the account You agree to
the terms and conditions of this Agreement,
|
FO1-01125
Bank of Amerion, R.A. (USA)
© 2006 Bank of AmencaBankof America e
oe
MARIA A PORTILLO
Account Number:
July 10 - August 7, 2010
Account Information:
www.bankofamerica.com
Mail billing inquiries to:
Bank of America Current Payment Due Payments and Other Credits.
P.O. Box 15026 Past Due Amount... Purchases and Adjustments
Wilmington, DE 19850-5026 Fees Charged
Mail payments to: Total Minimum Payment Due. -$2,650,00 Interest Charged.
Bank of America Payment Due Date..... 9/8/10
P.O. Box 301200 New Balance Total ..
Los Angeles, CA 900301200 | Late Payment Waring: if we do not receive your minimum payment by the
Customer Service: date listed above, you may have to pay a late fee of up to $39.00, Credit Line...
1.800.789.6701 Minimum Payment Warning: If you make only the minimum payment each Statement Closing Date 8/7/10
period, you will pay more in interest and it will take you longer to pay off your Days in Billing Cycle .... 29
(1.800.346.3178 TTY) balance. For example:
ou
PuGuiuo tee
RCD ai mec
Bl tay
Bites ies
Boi sick eS
og
Only the minimum,
payment
34 years
Nye fy ec srcee
ICES an uB Cec iain
eee es
Previous Balance ...
Bie) weasel
ee
$38,651.45
1-866-300-5238.
If you would like information about credit counseling services, call
Bacau
Transaction Posting Reference ‘Account
Date Date Description ‘umber ‘Number Amount roa!
Fees
08/05 08/05 LATE FEE FOR PAYMENT DUE 08/05 8778 39.00
TOTAL FEES FOR THIS PERIOD $39.00
Interest Charged
08/07 08/07 Interest Charged on Balance Transfers 71.09
08/07 08/07 Interest Charged on Cash Advances 27.83
continued on next page
00 ES
BANK OF AMERICA Account Number: ary
P.O, BOX 301200
LOS ANGELES, CA 90030-1200 New Balance Total. rena’
Minimum Payment Due .-2,650.00
Payment Due Date 09/08/10
MARIA A PORTILLO Enter payment amount $
378 PARK ST
SAN FRANCISCO CA 94110-5911
Check here for a change of mailing adaress or phone numbers.
Please provide all corrections on the reverse side.
Mail this coupon along with your check payable to: Bank of AmericaCUSTOMER TIPS FOR DISPUTED ITEMS
Many times disputed charges are legitimate charges that customers may not recognize
or remember. Before disputing a charge, we recommend that you verify a few things
and make every effort to resolve the dispute with the merchant, Often the merchant can
answer your questions and easily resolve your dispute. The merchant's phone number
may be located on your receipt or billing statement.
+ Hasncredit posted toyouraccount?
Please allow up to 30 days from the date on your credit voucher or
acknowledgement letter for the merchant credit to post.
+ Isthe charge oramount unfamiliar?
‘Check with other persons authorized to use the account to make sure they
did not make the charge. [tis possible that the merchants’ billing names
and store names are different or amounts can easily be confused with similar
charges or include tips.
‘One way to check for the credits or to view transaction details is to look at your
account statements online. [f you are not enrolled in Online Banking, itis easy to enroll
using the web address on the front of your statement or give us a call
Please remember: Once you receive your statement witha transaction you wish to
dispute, you only have 60 days to dispute the charge.
GRACE PERIOD/PAYING INTEREST
“Grace Period” means the period of time during a billing eycle when you will not
accrue interest on certain transactions or balances. ‘There is no Grace Period for Balance
Transfers or Cash Advances; we begin charging interest on Balance Transfers and Cash
Advances on the transaction date, We will not charge interest on Purchases on the next
‘Statement if you pay the New Balance Total in full by the Payment Due Date, and you had
paid in full by the previous Payment Due Date.
CALCULATION OF BALANCES SUBJECT TO INTEREST RATE
Average Balance Method (including new Balance Transfers and new Cash Advances):
We calculate separate Balances Subject to an Interest Rate for Balance Transfers,
Cash Advances, and for each Promotional Offer balance consisting of Balance Transfers
or Cash Advances, We do this by: (1) calculating daily balance for each day in this
statement’s billing cycle; (2) calculating a daily balance for each day prior to this
statement's billing cycle that had a “Pre-Cycle balance” ~a Pre-Cycle balance is a Balance
Transfer ora Cash Advance with a transaction date prior to this statement's billing
cycle but with a posting date within this statement’s billing cycle; (3) adding all the daily
balances together, and (4) dividing the sum of the daily balances by the number of days in
this statement's billing cycle,
‘To calculate the daily balance for each day in this statement’s billing cycle, we take the
beginning balance, add an amount equal to the applicable Daily Periodic Rate multiplied
by the previous day’s daily balance, add new Balance Transfers, new Cash Advances and
Transaction Fees, and subtract applicable payments and credits, Ifany daily balance is
less than zero we treat itas zero.
‘To calculate a daily balance for each day prior to this statement’s billing cycle that had
a Pre-Cycle balance, we take the beginning balance attributable solely to Pre-Cycle balance
(which will be zero on the transaction date of the first Pre-Cycle balance), add an amount
equal to the applicable Daily Periodic Rate multiplied by the previous day's daily balance,
and aild only the applicable Pre-Cycle balances, and their related Transaction Fees. We
exclude from this calculation all transactions posted in previous billing cycles.
Average Daily Balance Method (including new Purchase:
‘We calculate separate Balances Subject to an Interest Rate for Purchases and for
each Promotional Offer balance consisting of Purchases. We do this by: (1) calculating a
daily balance for each day in the billing cycle; (2) adding all the daily balances together;
and (3) dividing the sum of the daily balances by the number of days in the billing cycle.
‘To caleulate the daily balance for each day in this statement's billing cycle, we take the
beginning balance, add an amount equal to the applicable Daily Periodic Rate multiplied
by the previous day’s daily balance, add new Purchases, new Account Fees, and new
‘Transaction Fees, and subtract applicable payments and credits. lf any daily balance is
PAYMENTS
We credit mailed payments as of the date received, if the payment is: (1) received by
5 p.m, local time at the address shown on the remittance slip on the front of your monthly
statement; (2) paid with a check drawn in US. dollars on a U.S. financial institution or
a US. dollar money order; and (3) sent in the return envelope with only the remittance
portion of your statement accompanying it. Payments received by mailafter 5 p.m. local
time at the remittance address on any day including the Payment Due Date, but that
otherwise mect the above requirements, will he credited as of the next day. Payments
made online or by phone will be credited as of the date of receipt if made by 5 p.m. Central
time, Credit for any other payments may be delayed up to five days.
No payment shall operate as an accord and satisfaction without the prior written
approval of one of our Senior Officers,
We process most payment checks electronically by using the information found on
your check. Bach check authorizes us to create a one-time electronic funds transfer (or
process itas a check or paper draft). Funds may be withdrawn from your account as soon
as the same day we receive your payment. Checks are not returned to you. For more
information or to stop the electronic funds transfers, call us at the number listed on
the front.
Ifyou have authorized us to pay your credit card bill automatically from your savings
or checking account with us, you can stop the payment on any amount you think is,
wrong, To stop payment, your letter must reach us at least three business days before the
automatic paymentis scheduled to occur.
allows you to view the most recent activity on your account.
| ONLINE
| So Online Banking is available 24 hours a day, 7 days a week and
| PHONE
| 1.866.266.0212
| For prompt service, please have the merchant reference number(s)
| available for the charge(s) in question, :
i
MAIL
|
i Attn: Billing Inquiries PO Box 15026, Wilmington, DE 19850-5028 |
: When writing, please include Your Name, Aecount Number, the
| DX reference number of the disputed item and specific details regarding |
| your dispute, including dates of contact with the merehant and the
| merchant's response in each instance. Please include all supporting,
documentation, including sales and credit vouchers, contract and i
postage return receipts.as proof of any returns. !
less than zero we treat itas zero.
We include the fees for credit card debt cancellation or credit insurance purchased
through us in calculating the beginning balance for the first day of the billing cycle atte
the billing cycle in which such fees are billed.
TOTAL INTEREST CHARGE COMPUTATION
Interest Charges accrue and are compounded on adaily basis. To determine the
Interest Charges we multiply each Balance Subject to Interest Rate by its applicable Daily
Periodic Rate and that result by the number of days in the billing cycle. To determine
the total Interest Charge for the billing cycle, we add the Periodic Rate Interest Charges
together, A Daily Periodie Rate s calculated by dividingan Annual Percentage Rate
1y 365.
HOW WE ALLOCATE YOUR PAYMENTS
‘your account has balances with different APRs, we will allocate the amount of
your payment equal to the Total Minimum Payment Due to the lowest APR balances first
(including transactions made after this statement). Payment amounts in excess of your
‘Total Minimum Payment Due will he applied to balances with higher APRs before balances
with lower APRs.
IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE
When using the optional Pay-by-Phone service, you authorize us to initiate an
electronic payment from your account at the financial institution you designate. You must
authorize the amount and timing of each payment. For your protection, we will ask for
security information, «\ fee may apply for expedited service. To cancel, call us hefore the
scheduled payment date, Same-day payments cannot be edited or canceled.
MISCELLANEOUS.
For the complete terms and conditions of your account, consult your Credit Card
Agreement. FIA Card Services is a tradename of FIA Card Services, N.A. This account is
issued and administered by FIA Card Services, N.A,
If your billing address or contact information has changed, or ifyour address is
incorrect as it appears on this bill, please provide all corrections here,
Address 1
Address 2
City
State - Zip
Area Code &
Home Phone
Area Code &
Work PhoneBankof America e
ae
MARIA A PORTILLO
Account Number:
June 9 - July 9, 2010
Account Information:
www bankofamerica.com
Mail billing inquiries to:
BANK OF AMERICA Current Payment Due Payments and Other Credits. ses120.00,
P.O. BOX 15026 Past Due Amount ... Purchases and Adjustments. 0.00
WILMINGTON, DE Fees Charged
19850-5026 Total Minimum Payment Due. Interest Charged...
Mail payments to: Payment Due Date...
BANK OF AMERICA New Balance Total ........100
P.O. BOX 301200 Late Payment Warning: If we do not receive your minimum payment by the
LOS ANGELES, CA date listed above, you may have to pay a late fee of up to $39.00. Credit Line .......
1200 Minimum Payment Warning: if you make only the minimum payment each Statement Closing Date 7/9/10
Customer Service: period, you will pay more in interest and it will take you longer to pay off your Days in Billing Cycle .... 31
1.800.789.6701 balance. For example:
(1.800.346.3178 TTY)
Bale nieie
bites itiies
Beis te ths
p ee nee
Ue Vee can)
ei event cen
sie dpe
ee
Only the minimum,
payment
[ees te ee Uber a netueuge
Previous Balance . $18,620.78
TR Pe
Pepe sui ec) ahclioe!
Bere :
$38,629.11
1-866-300-5238.
If you would like information about credit counseling services, call
rransecton Posing ererence Account
Date Date Description Number Number ‘Amount Tota!
Fees
07/05 07/06 LATE FEE FOR PAYMENT DUE 07/05 8620 39.00
TOTAL FEES FOR THIS PERIOD $39.00
Interest Charged
07/09 07/09 Interest Charged on Balance Transfers 75.60
07/09 07/09 Interest Charged on Cash Advances 29.29
OF
BANK OF AMERICA Account Number: aaa
P.O. BOX 301200
LOS ANGELES, CA 90030-1200
MARIA A PORTILLO
378 PARK ST
SAN FRANCISCO CA 94110-5911
New Balance Total ..
Minimum Payment Due
Payment Due Date
Enter payment amount $
Check here for a change of mailing address or phone numbers.
Please provide all corrections on the reverse side.
Mall this coupon along with your check payable to: BANK OF AMERICABankof America e
Se
MARIA A PORTILLO
Account Number:
May 8 - June 8, 2010
‘Account Information:
www.bankofamerica.com
Mail billing inquiries to:
ee el
New Balance Total .
BANK OF AMERICA Current Payment Due
P.O, BOX 15026 Past Due Amount...
WILMINGTON, DE
19850-5026 Total Minimum Payment Due.
Mail payments to: Payment Due Date...
BANK OF AMERICA
P.O. BOX 301200 Late Payment Warning: If we do not receive your minimum payment by the
Se NEES, CA date listed above, you may have to pay a late fee of up to $39.00.
a Minimum Payment Waming: If you make only the minimum payment each
Customer Service: period, you will pay more in interest and it will take you longer to pay off your
1.800.789.6701 balance. For example:
(18003463178 TTY)
Pepin
Rens ak atic,
Rens)
UE ec
factories Rea ao Mirae elias:
TCT glemorcre! Ena cy
[ae Cala Bie Circ ueace re
a4
Be aie
Only the minimum: $38,606.64
payment
If you would like information about credit counseling services, call
1-866-300-5238.
Previous Balance .......
Payments and Other Credits.
Purchases and Adjustments
Fees Charged
Interest Charged...
New Balance Total ...
Credit Line.
Statement Closing Date.
Days in Billing Cycle
RiGee seis
Transaction Posting Reference ‘Account
Date Date Description Number Number Amount Total
Fees
06/05 06/05 LATE FEE FOR PAYMENT DUE 06/05 8460 39.00
TOTAL FEES FOR THIS PERIOD $39.00
Interest Charged
06/08 06/08, Interest Charged on Balance Transfers. 77.62
06/08 06/08 Interest Charged on Cash Advances 29.73
continued oh next page
0
BANK OF AMERICA Account Number: Qa
P.O. BOX 301200
LOS ANGELES, CA 90080-1200 New Balance Total... $18,620.78
Minimum Payment Due .1,968.00
Payment Due Date
MARIA A PORTILLO Enter payment amount $
378 PARK ST.
SAN FRANCISCO CA 94110-5911
Check here for a change of mailing adaress or phone numbers.
Please provide all corrections on the reverse side.
Mail this coupon along with your check payable to: BANK OF AMERICABankof America
eS
MARIA A PORTILLO
‘Account Number:
April 9 - May 7, 2010
Account Information:
www.bankofamerica.com
Mail billing inquiries to:
BANK OF AMERICA
P.O. BOX 15026
WILMINGTON, DE
19850-5026
Mail payments to:
BANK OF AMERICA
P.O. BOX 301200
LOS ANGELES, CA
90030-1200,
Customer Service:
1.800.789.6701
(1.800.346.3178 TTY)
ee uel
New Balance Total
Current Payment Due
Past Due Amount...
Total Minimum Payment Due
Payment Due Date.....
Late Payment Warning: If we do not receive your minimum payment by the
date listed above, you may have to pay a late fee of up to $39.00.
Minimum Payment Warning: If you make only the minimum payment each
period, you will pay more in interest and it will take you longer to pay off your
balance. For example:
UB a BO Pau
Elalelielar Ie toes Bata occ ltclie ss eee al act
Pretec SER ait OCI ES:
Pek TeeMN elu kilo lain lee is
i os
Only the minimum 34 years $38,581.17
payment
If you would like information about credit counseling services, call
1-866-3005238
Previous Balance .
Fees Charged
Interest Charged...
Payments and Other Credits.
Purchases and Adjustments.
$18,312.37
0.00
New Balance Total...
Credit Line...
Statement Closing Date
Days in Billing Cycle ....
Transaction Posting Reference Account
Date Date Description Number Number Amount Total
Fees
05/05 05/05 LATE FEE FOR PAYMENT DUE 05/05 8312 39,00
TOTAL FEES FOR THIS PERIOD $39.00
Interest Charged
08/07 05/07 Interest Charged on Balance Transfers 69.98
08/07 05/07 interest Charged on Cash Advances 26.52
continued on next page
0 ee,
BANK OF AMERICA
P.O. BOX 301200
Account Nurber: a
LOS ANGELES, CA 90030-1200
New Balance Total...
Minimum Payment Due
Payment Due Date
MARIA A PORTILLO Enter payment amount $
378 PARK ST
SAN FRANCISCO CA 94110-5911
Check here for a change of mailing address or phone numbers.
Please provide all corrections on the reverse side.
‘Mail this coupon along with your check payable to: BANK OF AMERICABankof America
ae
MARIA A PORTILLO.
Account Number:
March 9 - April 8, 2010
Account Information:
www.bankofamerica.com
Mail billing inquiries to:
BANK OF AMERICA
P.O. BOX 15026
WILMINGTON, DE
19850-5026
Mail payments to:
BANK OF AMERICA
P.O. BOX 301200
LOS ANGELES, CA
90030-1200
Customer Service:
1.800.789.6701
(1.800.346.3178 TTY)
TCU a eat te
New Balance Total .
Current Payment Due
Past Due Amount...
Total Minimum Payment Due.
Payment Due Date...
Late Payment Waming: If we do not receive your minimum payment by the
date listed above, you may have to pay a late fee of up to $39.00.
Minimum Payment Warning: If you make only the minimum payment each
period, you will pay more in interest and it will take you longer to pay off your
balance. For example:
Oey cis ae era ie sie,
Peel irik Necieins Cee ecu}
rata accel) Suan hd cles
Clee up aiaeee te lca ert e |
ae
Only the minimum: 34 years $38,545.30
payment
If you would like information about credit counseling services, call
1-866-300.5238.
Pee ae Tir: ap
Previous Balance ..
Payments and Other Credits.
Purchases and Adjustments.
Fees Charged
Interest Charged...
New Balance Total .........000
Credit Line.
Statement Closing Date
Days in Billing Cycle ...
$18,100.00
1/8/10
31
Date Date Description Number Number ‘Amount Total
Fees
04/05 04/05 LATE FEE FOR PAYMENT DUE 04/05 8157 39.00
TOTAL FEES FOR THIS PERIOD $39.00
Interest Charged
04/08 04/08 Interest Charged on Balance Transfers 74.42
04/08 04/08 Interest Charged on Cash Advances 27.90
00
BANK OF AMERICA Account Number; TS
P.O. BOX 301200
LOS ANGELES, CA 90030-1200 New Balance Total ... $18,312.37
MARIA A PORTILLO
378 PARK ST
Minimum Payment Oue
Payment Due Date
Enter payment amount
1,292.00
08/05/10
SAN FRANCISCO CA 94110-5911
Check here for a change of mailing address or phone numbers.
Please provide all corrections on the reverse side.
Mail this coupon along with your check payable to: BANK OF AMERICA» #IDENTIFIERSO257245833 10/04/2008 A10/04/; ORTILLO : :
hcct\ TTT
PRODUCT DETAILS
SOURCE CODE: FACLXU CAMPAIGN NO: 1937515
PROD OFR CD: op PRICING OFFER NO: 1
BRAND: 5 PRODUCT TYPE: 8
ASSOCIATE BANK: —— GROUP CODE: SAPI
MEMBER NUMBER: o CREDIT RISK STRATEGY CODE: Z31E
CREDIT RISK TREATMENT CODE: DAMAA
TRANSPARENT: N
INTENT OF ACCOUNT:
PRODUCT DETAILS
SOURCE CODE: FACLXU CAMPAIGN NO: 1937515
PROD OFR CD: oP PRICING OFFER NO: 1
BRAND: 5 PRODUCT TYPE: 8
ASSOCIATE BANK: a= GROUP CODE: BAPI
MEMBER NUMBER: 0 CREDIT RISK STRATEGY CODE: Z31E
CREDIT RISK TREATMENT CODE: DAMAA
TRANSPARENT : N
INTENT OF ACCOUNT:
PRODUCT DETAILS
SOURCE CODE: FACLXU CAMPAIGN NO: 1937515
PROD OFR CD: op PRICING OFFER NO: 1
BRAND: —- PRODUCT TYPE: 8
ASSOCIATE BANK: GROUP CODE: BAPI
MEMBER NUMBER: o
CREDIT RISK TREATMENT CODE: DAMAA
TRANSPARENT : N
INTENT OF ACCOUNT:
CREDIT RISK STRATEGY CODE: Z31E
PRODUCT DETAILS
SOURCE COD FACLXU CAMPAIGN NO: 1937515
PROD OFR CD: bP PRICING OFFER NO: 1
BRAND? 5 PRODUCT TYPE: 8
ASSOCIATE BAN a GROUP_CODE: BAPI
MEMBER NUMBER: ° CREDIT RISK STRATEGY CODE: Z31
CREDIT RISK TREATMENT CODE: DAMAA
TRANSPARENT : N
INTENT OF ACCOUNT:
PRODUCT DETAILS
SOURCE CODE: FACLXU CAMPAIGN NO: 1937515
PROD OFR CD: oP PRICING OFFER NO: 1
BRAND: PRODUCT TYPE: 8
ASSOCIATE BANK: a GROUP CODE: BAPI
MEMBER NUMBER: 0 CREDIT RISK STRATEGY CODE: Z31E
CREDIT RISK TREATMENT CODE: DAMAA
TRANSPARENT : N
INTENT OF ACCOUNT:
3 i:
CUR ADDRESS: 378 PARK ST, SAN FRANCISCO, CA, 941100000, USA.
PREV ADDRESS:
YRS _AT CUR RESIDENCE: 0 YRS AT PREV RESIDENCE:
BUREAU SSN: SOCIAL SECURITY: EE
RENT /OWN/BUY : N MONTHLY PAYMENT: 0
PHONE NUMBER: MOBILE PHONE:
BIRTH DATE:
LANG PREF: EN PARTY ID: —
NUMBER OF CARDS: 1 RESIDENCY STATUS:
MOTHER'S MAIDEN NAME: BUREAU SEQ NO:
LOAN TERM: LOAN PURPOSE:
NAME ALTERATIONS: ° ADDRESS ALTERATIONS: 0
ORIG NAME:
ORIG ADDR:
PHYSICAL ADDR: 378 PARK ST, SAN FRANCISCO, CA, 941100000, USA.
ALTERNATE ADDR:
CURR EMPLOYER:
OCUPATION CODE: 90
PREV EMPLOYER:
PREV POSITION:
OCCUPATION CODE 90
CURR ANNUAL SALARY: WORK PHONE:
YEARS AT CURR EMPLOYER:0
PREV ANNUAL SALARY: 0 PREV YEARS THERE: 0
ADDITIONAL INCOME : SOURCE: Y
TOTAL HOUSEHOLD INCOME:0
| SCHOOL:
; FULL/PART: GRAD YEAR:
Preview
SUPERIOR COURT OF CALIFORNIA COUNTY OF SAN FRANCISCO Document Scanning Lead Sheet Oct-01-2012 9:25 am Case Number: CGC-11-509532 Filing Date: Oct-01-2012 9:25 Filed by: NADITA MASON Juke Box: 001 Image: 03785339 DECLARATION FIA CARD SERVICES, N.A. VS. MARIA A. PORTILLO et al 001C03785339 Instructions: Please place this sheet on top of the document to be scanned.LAW OFFICE OF HARRIS AND ZIDE FLINT C. ZIDE STATE BAR NUMBER 160369 1445 HUNTINGTON DRIVE, SUITE 300 || SOUTH PASADENA, CA 91030 , 626-799-8444 i Attorneys for Plaintiff SUPE ° S e =z 3 ~x ° 3 > z= 2012 OCT -| CLERK OF THe COURT tg. . DEPUTY CLERK i SUPERIOR COURT OF CALIFORNIA, COUNTY OF SAN FRANCISCO SAN FRANCISCO COURTHOUSE, LIMITED CIVIL CASE ‘| PIA CARD SERVICES, N.A. PLAINTIFF, vs. "MARIA A PORTILLO , _ DEFENDANT (S) CASE NO: CGC-11-509532 DECLARATION IN SUPPORT OF APPLICATION FOR ENTRY OF JUDGMENT C.C.P.585 (D); ORDER THEREON The declaration is attached hereto and hereby incorporated herein. DECLARATION IN SUPPORT OF APPLICATION FOR ENTRY OF JUDGMENTe Oe @ FLINT C. ZIDE LAW OFFICE OF HARRIS & ZIDE STATE BAR NUMBER 160369 1445 HUNTINGTON DRIVE SUITE 300 SOUTH PASADENA, CA 91030 SAN FRANCISCO COURTHOUSE FIA Card Services, N.A. Plaintiff, v. Case No. CGC-11-509532 DECLARATION IN SUPPORT OF MARIA A PORTILLO APPLICATION FOR ENTRY OF Defendant(s). JUDGMENT |, Beth Ammons, hereby declare: 4. | am over 18 years old and competent to make this affidavit. | am a Custodian of Records and an authorized Officer of Plaintiff FIA Card Services, N.A for purposes of this affidavit. | am duly authorized to make this declaration, and because of the scope of my job responsibilities, | am familiar with the manner and method by which Plaintiff maintains its normal business books and records, including computer records of defaulted accounts. 2. These books and records are made in the course of regularly conducted business activity: (1) at or near the time the events they purport to describe occurred, by a person with knowledge of the acts and events, or (2) by a computer or other similar digital means, which contemporaneously records an event as it occurs. The contents of this declaration are true and correct based upon my personal knowledge of the processes by which Plaintiff maintains its business books and records. 3. The books and records of Plaintiff show that Defendant(s) opened an account with FIA Card Services, N.A., or a predecessor in interest, for the purpose of obtaining an extension of credit and did thereafter use or authorize the use of the account for the acquisition of goods, services, or cash advances in accordance with the customer agreement governing use of that account. Further, Defendant(s) has/have breached the Agreement by failing to make periodic payments as required thereby. 4. The books and records of Plaintiff show that Defendant(s) is/are currently indebted to Plaintiff on account number XXXX-XXXX-XXXX-6139 for the just and true sum of $18,929.78 and that all just and lawful offsets, payments, and credits have been allowed. The last payment or charge to this account occurred on 01/14/10. The customer agreement entered into between the Defendant and the Plaintiff, or a predecessor in interest, also authorizes Plaintiffs to recover from Defendant(s) costs to the extent permitted by law.5. Under California Code of Evidence § 1550 (a)(2), Plaintiff also submits a copy(copies) of the itemized statement(s) supporting the principal balance true and accurate copies are attached hereto as Exhibit “A” and incorporated herein by reference. Since the date of this statement there have been credits totaling $0.00, leaving a present balance of $18,929.78 due, owing, and unpaid. The exhibits attached to this declaration were prepared in the ordinary course of business. 6. | declare under the penalty of perjury under the laws of California that the foregoing is true and correct and if called as a witness | would competently testify, under oath, thereto. Given under my hand on: Dated: APR 2 5 2012 Declarant Name (Printed) Beth Ammons Declarant Name (Signatur Title of Declarant Officer1 ‘LAW OFFICE OF HARRIS AND ZIDE | FLINT C. ZIDE 2 STATE BAR NUMBERS 160369 1445 HUNTINGTON DRIVE, SUITE 300 3. SOUTH PASADENA, CA 91030 626-799-8444 ‘ ‘Attorneys for Plaintiff 5. 6) SUPERIOR COURT OF CALIFORNIA, COUNTY OF SAN FRANCISCO 7 SAN FRANCISCO COURTHOUSE, LIMITED CIVIL CASE 8 9'' FIA CARD SERVICES, N.A. , CASE NO: CGC-11-509532 10° 1! PLAINTIFF, ) ) ) ORDER ALLOWING COPY OF SUPPORTING ) vs. ) ) ) ) ) ) DOCUMENT TO ACT AS ORIGINAL 11 12.!|MARIA A PORTILLO , 13 . DEFENDANT (S) 14 15° Having read plaintiff's declaration, and good cause showing: 16 17 || It is hereby ordered that plaintiff's Exhibit "A" be accepted as the | we . . woe . 18 ‘original instrument since the original supporting document has been lost. 19 ll 20 Il 1 | 21/| Dated: li Judge of the Superior CourtEXHIBIT ABank of America ug IMPORTANT NOTICE OF CHANGE IN TERMS a BUG, ANd: aprainistered: by: f NGA Or Ment. together with the Supplement To The Notice Of Change in Terms on the enclosed statement, ts your new “Credit Cand Agreement” and replaces in whole, on the Effective Date, your existing Cardholder Agreement and will apply to all new and outstanding balances. Please read these documents carefully and retain them for your records. Except for Section 12 and Section 13, afl of the changes below will apply to your account as of the first day of your billing cycle that includes the Effective Dale. Sections 12 and 18 will appty to your account as of the Effective Date. As a pari of the transition, we will be restructuring your account Dalances into four balance categories (as newly defined by your Credit Card Agreement): Category A, tor Check Cash Advances and Balance Transters; Category B, tor Bank and ATM Cash Advances: Category C for Purchases: and Category ..D. for Other Balances. in same cases we will consolidate existing balances into a single ‘balance category. When we do so, we will honor, or lower, the existing Annual Percentage Rates, including any existing pramotional rates or defautt rates thal may be available on this account, CREDIT CARD AGREEMENT We reserve the right to change the terms of this Agreement at any time, as turther described in the following sections: Balance Categories and We May Amend This Agmement. 4. YOUR CONTRACT WITH US Your Agreement with us consists of ths Cred Card Agreement and any changes we make to Il rom time to time. The terms Of thts Agreement apply to you Il any of you applied for and were granted an account, used the account, maintained the gecount, and/or otherwise accepied the account You agree to the terms and conditions of this Agreement, | FO1-01125 Bank of Amerion, R.A. (USA) © 2006 Bank of AmencaBankof America e oe MARIA A PORTILLO Account Number: July 10 - August 7, 2010 Account Information: www.bankofamerica.com Mail billing inquiries to: Bank of America Current Payment Due Payments and Other Credits. P.O. Box 15026 Past Due Amount... Purchases and Adjustments Wilmington, DE 19850-5026 Fees Charged Mail payments to: Total Minimum Payment Due. -$2,650,00 Interest Charged. Bank of America Payment Due Date..... 9/8/10 P.O. Box 301200 New Balance Total .. Los Angeles, CA 900301200 | Late Payment Waring: if we do not receive your minimum payment by the Customer Service: date listed above, you may have to pay a late fee of up to $39.00, Credit Line... 1.800.789.6701 Minimum Payment Warning: If you make only the minimum payment each Statement Closing Date 8/7/10 period, you will pay more in interest and it will take you longer to pay off your Days in Billing Cycle .... 29 (1.800.346.3178 TTY) balance. For example: ou PuGuiuo tee RCD ai mec Bl tay Bites ies Boi sick eS og Only the minimum, payment 34 years Nye fy ec srcee ICES an uB Cec iain eee es Previous Balance ... Bie) weasel ee $38,651.45 1-866-300-5238. If you would like information about credit counseling services, call Bacau Transaction Posting Reference ‘Account Date Date Description ‘umber ‘Number Amount roa! Fees 08/05 08/05 LATE FEE FOR PAYMENT DUE 08/05 8778 39.00 TOTAL FEES FOR THIS PERIOD $39.00 Interest Charged 08/07 08/07 Interest Charged on Balance Transfers 71.09 08/07 08/07 Interest Charged on Cash Advances 27.83 continued on next page 00 ES BANK OF AMERICA Account Number: ary P.O, BOX 301200 LOS ANGELES, CA 90030-1200 New Balance Total. rena’ Minimum Payment Due .-2,650.00 Payment Due Date 09/08/10 MARIA A PORTILLO Enter payment amount $ 378 PARK ST SAN FRANCISCO CA 94110-5911 Check here for a change of mailing adaress or phone numbers. Please provide all corrections on the reverse side. Mail this coupon along with your check payable to: Bank of AmericaCUSTOMER TIPS FOR DISPUTED ITEMS Many times disputed charges are legitimate charges that customers may not recognize or remember. Before disputing a charge, we recommend that you verify a few things and make every effort to resolve the dispute with the merchant, Often the merchant can answer your questions and easily resolve your dispute. The merchant's phone number may be located on your receipt or billing statement. + Hasncredit posted toyouraccount? Please allow up to 30 days from the date on your credit voucher or acknowledgement letter for the merchant credit to post. + Isthe charge oramount unfamiliar? ‘Check with other persons authorized to use the account to make sure they did not make the charge. [tis possible that the merchants’ billing names and store names are different or amounts can easily be confused with similar charges or include tips. ‘One way to check for the credits or to view transaction details is to look at your account statements online. [f you are not enrolled in Online Banking, itis easy to enroll using the web address on the front of your statement or give us a call Please remember: Once you receive your statement witha transaction you wish to dispute, you only have 60 days to dispute the charge. GRACE PERIOD/PAYING INTEREST “Grace Period” means the period of time during a billing eycle when you will not accrue interest on certain transactions or balances. ‘There is no Grace Period for Balance Transfers or Cash Advances; we begin charging interest on Balance Transfers and Cash Advances on the transaction date, We will not charge interest on Purchases on the next ‘Statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Average Balance Method (including new Balance Transfers and new Cash Advances): We calculate separate Balances Subject to an Interest Rate for Balance Transfers, Cash Advances, and for each Promotional Offer balance consisting of Balance Transfers or Cash Advances, We do this by: (1) calculating daily balance for each day in this statement’s billing cycle; (2) calculating a daily balance for each day prior to this statement's billing cycle that had a “Pre-Cycle balance” ~a Pre-Cycle balance is a Balance Transfer ora Cash Advance with a transaction date prior to this statement's billing cycle but with a posting date within this statement’s billing cycle; (3) adding all the daily balances together, and (4) dividing the sum of the daily balances by the number of days in this statement's billing cycle, ‘To calculate the daily balance for each day in this statement’s billing cycle, we take the beginning balance, add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day’s daily balance, add new Balance Transfers, new Cash Advances and Transaction Fees, and subtract applicable payments and credits, Ifany daily balance is less than zero we treat itas zero. ‘To calculate a daily balance for each day prior to this statement’s billing cycle that had a Pre-Cycle balance, we take the beginning balance attributable solely to Pre-Cycle balance (which will be zero on the transaction date of the first Pre-Cycle balance), add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day's daily balance, and aild only the applicable Pre-Cycle balances, and their related Transaction Fees. We exclude from this calculation all transactions posted in previous billing cycles. Average Daily Balance Method (including new Purchase: ‘We calculate separate Balances Subject to an Interest Rate for Purchases and for each Promotional Offer balance consisting of Purchases. We do this by: (1) calculating a daily balance for each day in the billing cycle; (2) adding all the daily balances together; and (3) dividing the sum of the daily balances by the number of days in the billing cycle. ‘To caleulate the daily balance for each day in this statement's billing cycle, we take the beginning balance, add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day’s daily balance, add new Purchases, new Account Fees, and new ‘Transaction Fees, and subtract applicable payments and credits. lf any daily balance is PAYMENTS We credit mailed payments as of the date received, if the payment is: (1) received by 5 p.m, local time at the address shown on the remittance slip on the front of your monthly statement; (2) paid with a check drawn in US. dollars on a U.S. financial institution or a US. dollar money order; and (3) sent in the return envelope with only the remittance portion of your statement accompanying it. Payments received by mailafter 5 p.m. local time at the remittance address on any day including the Payment Due Date, but that otherwise mect the above requirements, will he credited as of the next day. Payments made online or by phone will be credited as of the date of receipt if made by 5 p.m. Central time, Credit for any other payments may be delayed up to five days. No payment shall operate as an accord and satisfaction without the prior written approval of one of our Senior Officers, We process most payment checks electronically by using the information found on your check. Bach check authorizes us to create a one-time electronic funds transfer (or process itas a check or paper draft). Funds may be withdrawn from your account as soon as the same day we receive your payment. Checks are not returned to you. For more information or to stop the electronic funds transfers, call us at the number listed on the front. Ifyou have authorized us to pay your credit card bill automatically from your savings or checking account with us, you can stop the payment on any amount you think is, wrong, To stop payment, your letter must reach us at least three business days before the automatic paymentis scheduled to occur. allows you to view the most recent activity on your account. | ONLINE | So Online Banking is available 24 hours a day, 7 days a week and | PHONE | 1.866.266.0212 | For prompt service, please have the merchant reference number(s) | available for the charge(s) in question, : i MAIL | i Attn: Billing Inquiries PO Box 15026, Wilmington, DE 19850-5028 | : When writing, please include Your Name, Aecount Number, the | DX reference number of the disputed item and specific details regarding | | your dispute, including dates of contact with the merehant and the | merchant's response in each instance. Please include all supporting, documentation, including sales and credit vouchers, contract and i postage return receipts.as proof of any returns. ! less than zero we treat itas zero. We include the fees for credit card debt cancellation or credit insurance purchased through us in calculating the beginning balance for the first day of the billing cycle atte the billing cycle in which such fees are billed. TOTAL INTEREST CHARGE COMPUTATION Interest Charges accrue and are compounded on adaily basis. To determine the Interest Charges we multiply each Balance Subject to Interest Rate by its applicable Daily Periodic Rate and that result by the number of days in the billing cycle. To determine the total Interest Charge for the billing cycle, we add the Periodic Rate Interest Charges together, A Daily Periodie Rate s calculated by dividingan Annual Percentage Rate 1y 365. HOW WE ALLOCATE YOUR PAYMENTS ‘your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first (including transactions made after this statement). Payment amounts in excess of your ‘Total Minimum Payment Due will he applied to balances with higher APRs before balances with lower APRs. IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE When using the optional Pay-by-Phone service, you authorize us to initiate an electronic payment from your account at the financial institution you designate. You must authorize the amount and timing of each payment. For your protection, we will ask for security information, «\ fee may apply for expedited service. To cancel, call us hefore the scheduled payment date, Same-day payments cannot be edited or canceled. MISCELLANEOUS. For the complete terms and conditions of your account, consult your Credit Card Agreement. FIA Card Services is a tradename of FIA Card Services, N.A. This account is issued and administered by FIA Card Services, N.A, If your billing address or contact information has changed, or ifyour address is incorrect as it appears on this bill, please provide all corrections here, Address 1 Address 2 City State - Zip Area Code & Home Phone Area Code & Work PhoneBankof America e ae MARIA A PORTILLO Account Number: June 9 - July 9, 2010 Account Information: www bankofamerica.com Mail billing inquiries to: BANK OF AMERICA Current Payment Due Payments and Other Credits. ses120.00, P.O. BOX 15026 Past Due Amount ... Purchases and Adjustments. 0.00 WILMINGTON, DE Fees Charged 19850-5026 Total Minimum Payment Due. Interest Charged... Mail payments to: Payment Due Date... BANK OF AMERICA New Balance Total ........100 P.O. BOX 301200 Late Payment Warning: If we do not receive your minimum payment by the LOS ANGELES, CA date listed above, you may have to pay a late fee of up to $39.00. Credit Line ....... 1200 Minimum Payment Warning: if you make only the minimum payment each Statement Closing Date 7/9/10 Customer Service: period, you will pay more in interest and it will take you longer to pay off your Days in Billing Cycle .... 31 1.800.789.6701 balance. For example: (1.800.346.3178 TTY) Bale nieie bites itiies Beis te ths p ee nee Ue Vee can) ei event cen sie dpe ee Only the minimum, payment [ees te ee Uber a netueuge Previous Balance . $18,620.78 TR Pe Pepe sui ec) ahclioe! Bere : $38,629.11 1-866-300-5238. If you would like information about credit counseling services, call rransecton Posing ererence Account Date Date Description Number Number ‘Amount Tota! Fees 07/05 07/06 LATE FEE FOR PAYMENT DUE 07/05 8620 39.00 TOTAL FEES FOR THIS PERIOD $39.00 Interest Charged 07/09 07/09 Interest Charged on Balance Transfers 75.60 07/09 07/09 Interest Charged on Cash Advances 29.29 OF BANK OF AMERICA Account Number: aaa P.O. BOX 301200 LOS ANGELES, CA 90030-1200 MARIA A PORTILLO 378 PARK ST SAN FRANCISCO CA 94110-5911 New Balance Total .. Minimum Payment Due Payment Due Date Enter payment amount $ Check here for a change of mailing address or phone numbers. Please provide all corrections on the reverse side. Mall this coupon along with your check payable to: BANK OF AMERICABankof America e Se MARIA A PORTILLO Account Number: May 8 - June 8, 2010 ‘Account Information: www.bankofamerica.com Mail billing inquiries to: ee el New Balance Total . BANK OF AMERICA Current Payment Due P.O, BOX 15026 Past Due Amount... WILMINGTON, DE 19850-5026 Total Minimum Payment Due. Mail payments to: Payment Due Date... BANK OF AMERICA P.O. BOX 301200 Late Payment Warning: If we do not receive your minimum payment by the Se NEES, CA date listed above, you may have to pay a late fee of up to $39.00. a Minimum Payment Waming: If you make only the minimum payment each Customer Service: period, you will pay more in interest and it will take you longer to pay off your 1.800.789.6701 balance. For example: (18003463178 TTY) Pepin Rens ak atic, Rens) UE ec factories Rea ao Mirae elias: TCT glemorcre! Ena cy [ae Cala Bie Circ ueace re a4 Be aie Only the minimum: $38,606.64 payment If you would like information about credit counseling services, call 1-866-300-5238. Previous Balance ....... Payments and Other Credits. Purchases and Adjustments Fees Charged Interest Charged... New Balance Total ... Credit Line. Statement Closing Date. Days in Billing Cycle RiGee seis Transaction Posting Reference ‘Account Date Date Description Number Number Amount Total Fees 06/05 06/05 LATE FEE FOR PAYMENT DUE 06/05 8460 39.00 TOTAL FEES FOR THIS PERIOD $39.00 Interest Charged 06/08 06/08, Interest Charged on Balance Transfers. 77.62 06/08 06/08 Interest Charged on Cash Advances 29.73 continued oh next page 0 BANK OF AMERICA Account Number: Qa P.O. BOX 301200 LOS ANGELES, CA 90080-1200 New Balance Total... $18,620.78 Minimum Payment Due .1,968.00 Payment Due Date MARIA A PORTILLO Enter payment amount $ 378 PARK ST. SAN FRANCISCO CA 94110-5911 Check here for a change of mailing adaress or phone numbers. Please provide all corrections on the reverse side. Mail this coupon along with your check payable to: BANK OF AMERICABankof America eS MARIA A PORTILLO ‘Account Number: April 9 - May 7, 2010 Account Information: www.bankofamerica.com Mail billing inquiries to: BANK OF AMERICA P.O. BOX 15026 WILMINGTON, DE 19850-5026 Mail payments to: BANK OF AMERICA P.O. BOX 301200 LOS ANGELES, CA 90030-1200, Customer Service: 1.800.789.6701 (1.800.346.3178 TTY) ee uel New Balance Total Current Payment Due Past Due Amount... Total Minimum Payment Due Payment Due Date..... Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39.00. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: UB a BO Pau Elalelielar Ie toes Bata occ ltclie ss eee al act Pretec SER ait OCI ES: Pek TeeMN elu kilo lain lee is i os Only the minimum 34 years $38,581.17 payment If you would like information about credit counseling services, call 1-866-3005238 Previous Balance . Fees Charged Interest Charged... Payments and Other Credits. Purchases and Adjustments. $18,312.37 0.00 New Balance Total... Credit Line... Statement Closing Date Days in Billing Cycle .... Transaction Posting Reference Account Date Date Description Number Number Amount Total Fees 05/05 05/05 LATE FEE FOR PAYMENT DUE 05/05 8312 39,00 TOTAL FEES FOR THIS PERIOD $39.00 Interest Charged 08/07 05/07 Interest Charged on Balance Transfers 69.98 08/07 05/07 interest Charged on Cash Advances 26.52 continued on next page 0 ee, BANK OF AMERICA P.O. BOX 301200 Account Nurber: a LOS ANGELES, CA 90030-1200 New Balance Total... Minimum Payment Due Payment Due Date MARIA A PORTILLO Enter payment amount $ 378 PARK ST SAN FRANCISCO CA 94110-5911 Check here for a change of mailing address or phone numbers. Please provide all corrections on the reverse side. ‘Mail this coupon along with your check payable to: BANK OF AMERICABankof America ae MARIA A PORTILLO. Account Number: March 9 - April 8, 2010 Account Information: www.bankofamerica.com Mail billing inquiries to: BANK OF AMERICA P.O. BOX 15026 WILMINGTON, DE 19850-5026 Mail payments to: BANK OF AMERICA P.O. BOX 301200 LOS ANGELES, CA 90030-1200 Customer Service: 1.800.789.6701 (1.800.346.3178 TTY) TCU a eat te New Balance Total . Current Payment Due Past Due Amount... Total Minimum Payment Due. Payment Due Date... Late Payment Waming: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39.00. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Oey cis ae era ie sie, Peel irik Necieins Cee ecu} rata accel) Suan hd cles Clee up aiaeee te lca ert e | ae Only the minimum: 34 years $38,545.30 payment If you would like information about credit counseling services, call 1-866-300.5238. Pee ae Tir: ap Previous Balance .. Payments and Other Credits. Purchases and Adjustments. Fees Charged Interest Charged... New Balance Total .........000 Credit Line. Statement Closing Date Days in Billing Cycle ... $18,100.00 1/8/10 31 Date Date Description Number Number ‘Amount Total Fees 04/05 04/05 LATE FEE FOR PAYMENT DUE 04/05 8157 39.00 TOTAL FEES FOR THIS PERIOD $39.00 Interest Charged 04/08 04/08 Interest Charged on Balance Transfers 74.42 04/08 04/08 Interest Charged on Cash Advances 27.90 00 BANK OF AMERICA Account Number; TS P.O. BOX 301200 LOS ANGELES, CA 90030-1200 New Balance Total ... $18,312.37 MARIA A PORTILLO 378 PARK ST Minimum Payment Oue Payment Due Date Enter payment amount 1,292.00 08/05/10 SAN FRANCISCO CA 94110-5911 Check here for a change of mailing address or phone numbers. Please provide all corrections on the reverse side. Mail this coupon along with your check payable to: BANK OF AMERICA» #IDENTIFIERSO257245833 10/04/2008 A10/04/; ORTILLO : : hcct\ TTT PRODUCT DETAILS SOURCE CODE: FACLXU CAMPAIGN NO: 1937515 PROD OFR CD: op PRICING OFFER NO: 1 BRAND: 5 PRODUCT TYPE: 8 ASSOCIATE BANK: —— GROUP CODE: SAPI MEMBER NUMBER: o CREDIT RISK STRATEGY CODE: Z31E CREDIT RISK TREATMENT CODE: DAMAA TRANSPARENT: N INTENT OF ACCOUNT: PRODUCT DETAILS SOURCE CODE: FACLXU CAMPAIGN NO: 1937515 PROD OFR CD: oP PRICING OFFER NO: 1 BRAND: 5 PRODUCT TYPE: 8 ASSOCIATE BANK: a= GROUP CODE: BAPI MEMBER NUMBER: 0 CREDIT RISK STRATEGY CODE: Z31E CREDIT RISK TREATMENT CODE: DAMAA TRANSPARENT : N INTENT OF ACCOUNT: PRODUCT DETAILS SOURCE CODE: FACLXU CAMPAIGN NO: 1937515 PROD OFR CD: op PRICING OFFER NO: 1 BRAND: —- PRODUCT TYPE: 8 ASSOCIATE BANK: GROUP CODE: BAPI MEMBER NUMBER: o CREDIT RISK TREATMENT CODE: DAMAA TRANSPARENT : N INTENT OF ACCOUNT: CREDIT RISK STRATEGY CODE: Z31E PRODUCT DETAILS SOURCE COD FACLXU CAMPAIGN NO: 1937515 PROD OFR CD: bP PRICING OFFER NO: 1 BRAND? 5 PRODUCT TYPE: 8 ASSOCIATE BAN a GROUP_CODE: BAPI MEMBER NUMBER: ° CREDIT RISK STRATEGY CODE: Z31 CREDIT RISK TREATMENT CODE: DAMAA TRANSPARENT : N INTENT OF ACCOUNT: PRODUCT DETAILS SOURCE CODE: FACLXU CAMPAIGN NO: 1937515 PROD OFR CD: oP PRICING OFFER NO: 1 BRAND: PRODUCT TYPE: 8 ASSOCIATE BANK: a GROUP CODE: BAPI MEMBER NUMBER: 0 CREDIT RISK STRATEGY CODE: Z31E CREDIT RISK TREATMENT CODE: DAMAA TRANSPARENT : N INTENT OF ACCOUNT: 3 i: CUR ADDRESS: 378 PARK ST, SAN FRANCISCO, CA, 941100000, USA. PREV ADDRESS: YRS _AT CUR RESIDENCE: 0 YRS AT PREV RESIDENCE: BUREAU SSN: SOCIAL SECURITY: EE RENT /OWN/BUY : N MONTHLY PAYMENT: 0 PHONE NUMBER: MOBILE PHONE: BIRTH DATE: LANG PREF: EN PARTY ID: — NUMBER OF CARDS: 1 RESIDENCY STATUS: MOTHER'S MAIDEN NAME: BUREAU SEQ NO: LOAN TERM: LOAN PURPOSE: NAME ALTERATIONS: ° ADDRESS ALTERATIONS: 0 ORIG NAME: ORIG ADDR: PHYSICAL ADDR: 378 PARK ST, SAN FRANCISCO, CA, 941100000, USA. ALTERNATE ADDR: CURR EMPLOYER: OCUPATION CODE: 90 PREV EMPLOYER: PREV POSITION: OCCUPATION CODE 90 CURR ANNUAL SALARY: WORK PHONE: YEARS AT CURR EMPLOYER:0 PREV ANNUAL SALARY: 0 PREV YEARS THERE: 0 ADDITIONAL INCOME : SOURCE: Y TOTAL HOUSEHOLD INCOME:0 | SCHOOL: ; FULL/PART: GRAD YEAR: