Party Discovery: WELLS FARGO BANK NA Vs. MARK A FREEMAN

On February 28, 2017 a Party Discovery was filed involving a dispute between Wells Fargo Bank Na, and Freeman, Mark A, for CONTRACTS AND INDEBTEDNESS - COUNTY in the District Court of Pinellas County.

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Filing # 64176257 E-Filed 11/14/2017 03:03:29 PM

IN THE COUNTY COURT OF THE 6TH HIDICIAL
CIRCUIT IN AND FOR PINELLAS COUNTY, FLORIDA

WELLS FARGO BANK, NA.

Plaintiff,

vs.

MARK A FREEMAN

Defendant(s),
I CASE NO.: 17-001662-(20

AFFIDAVIT OF AMOUNT DUE

STATE OF IOWA )

COUNTY OF DALLAS )

BEFORE ME thisday parsonally appeared Afﬁant who, ﬁrst being duly sworn, deposes on

personal knowledge and says:

1. Afﬂant isover the age of 18 and competent as to the maltcrg contained herein.
to testify

Afﬁant is a Loan Adjuster, WELLS FARGO BANK, N.A.,
(“title”), for (hereinafter

“Welis Fargo”), who isthe creditor in this credit card transaction.

5x)
Afﬁant is authorized to make this Afﬁdavit on behalf of the Piaintiff.In theregular

performance of my job functions, lhavc access to business records maintained by Wells

Fargo for the purpose of servicing itscredit card portfolio.These records are made at 01‘

near the time by, or from information provided or transmitted by, persons with

knowledge of the activityconducted reguiarly by Wells Fargo. the reguiar practice
It is

of Weils Fargo’s credit card businesses tomake these records. In connection with

making have acquired personal knowledge of the matters stated herein by
this affidavit, I

personally examining these business records. Copies of the applicablé Credit Card

Account Agreement and lastproduced statement are attached and incorporated herein as

Composite Exhibit “A.”

3. The Borrower has defaulted under the terms of the credit card agreement, the default has

1mm 652420
Gas: No.: Page.
I

***ELECTRONICALLY FILED 11/14/2017 03:03:29 PM: KEN BURKE, CLERK OF THE CIRCUIT COURT, PINELLAS COUNTY***
not been cured, and the baiance has been accelerated making the balance due and
era-tire

owing in accordance with the terms of the credit card agreement. The Plaintﬁff is owed

sum of $8,551.75.
the total principal

4. Plaintiff has agreed topay itsattorneys a reasonable fee for servicas rendered in the

above-styled litigation.

5. That Plaintiff has not received any of said funds from Defenclant(s), MARK A
FREEMAN, to date.

6. Defendant(s) is/are not in the niﬂitary service of the United States of America nor in that

of any of its and
allies, and 'priviiegcs provided under the
is/are not entitled to the rights

Soldiers and Sailors Civil Relief Act of 1940, as amended.

FURTHER AFFIANT

pm
SAYETI-I NAUGHT.

Dated: ‘l/IO/90i7 BY:
Signature of Affiant

L“! (—L- 0 Sec 16%»
Printed Name of Affiant

WW
80mm PUBLIC
WMM
Sworn and subscribed to me this :0“ day of .Ngym, 2011.
Personally known 23 OR Produced Identiﬁcation
Type of Identiﬁcation Produced

M
JARRAD M EMAMIAN
§‘” "9 Commission Number 800116
* ‘
h My Commission Expires

October 31, 2019

Case ”0.:17'001662*CG Page 2
CONSUMER CREDIT CARD
CﬂSTOMER AGREEMENT 8:
DISCLOSURE STATEMENT
VISA SIGNATU RE®

timers WEB-'Héve
Eric":
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dfhia cus Iscussed are I card terms an can IIons W] h us in Spanish, C mese,
Korean, Vietnamese, 01‘ Tagalog:
Read Section 33 about interpreter certification before you activate your credit card.

Antes de activar su tarjeta de crédito, lea la seccién 33 con respecto a una certificacién
importante.
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trtIc'ic quy vi hieu lac hoa thé
tl’ndung cua m‘mh.
Mahalaga: Pakibasa ang Bahagi 33 para sa mahalagang katébayan bago ninyo -activate
i- ang Enyong credit
card.

(1) Agreement. This Credit Card Agreement ("Agreement") covers the use of your credit card account
("Account") with us. It includes the Important Terms of Your Credit Card Account on the enclosed letter or the
document that accompanies your Card, as well as any subsequent disctosures, alt of which are incorporated
here by reference. You accept the terms of this Agreement by using or activating your Account. If you have
a joint Account, each of you is bound by this Agreement. Please read this Agreement carefufiy and save
it for future reference.

(2) Parties to this Agreement. This Agreement is made between Wells Fargo Bank, N.A., PO. Box 10347,
Des Moines, IA 50306 (“we", "us", and "our") and each Account hoider, whether primary or joint ("you"
and "your").

(3) Definitions
APR An Annual Percentage Rate (APR).
Billing Cycle or The interval between billing statements. Each billing statement shows a
Billing Period ciosing date. The statement closing date is the last day of the Billing Cycie
for that biEling statement.
Card Any credit card we issue to use your Account,
Cash Obtaining cash or funds using your Account by:
Advance . presenting your Card at a bank that accepts Visa;
. using your Card with your Card Personai Identification Number (PIN)
to obtain cash from any Automated Telier Machine (ATM) which
displays any of the logos appearing on your Card;
- using any Welis Fargo debit card linked to your Account to obtain cash
from any ATM which displays any of the logos appearing on your Weils
Fargo debit card;

Page 1 of 13
Mai -
using the Wells Fargo Oniine Banking® service for transactions other
than those disciosed as baiance transfers;
. using our Customer Service department for transactions other than
those disclosed as balance transfers;
0 taking overdraft protection advances;
- using SUPERCHECKSTM checks that are issued in connection with this
Account, (unless provided by us in connection with a baiance transfer
offer); or
. buying cash equivalents such as money orders, wire transfers, traveler
checks, foreign currency, lottery tickets, casino chips, off-track wagers,
other wagers, vouchers redeemable for cash or similar items,
Credit Access Device A device, other than your Card, (such as SUPERCHECKSTM checks, baiance
transfer checks) we allow you to use to access credit on your Account.
Important Terms of Your A summary of your Account's APRs, fees and other important information.
Credit Card Account
New Balance The Outstanding Baiance as of a statement closing date.
Outstanding Baiance The sum of ail unpaid amounts, including Purchases, Cash Advances,
balance transfers, interest, fees and any other amounts that you may owe
us.
Payment The date the Minimum Payment is due to us. The Payment Due Date wilt
Due Date be at ieast 25 days from the statement closing date. it is shown on your
billing statement.
Purchase The use of your Account to:
0 buy or lease goods or services;
0 make any transaction that is not a Cash Advance, batance transfer, or
other type of transaction we may identify.
Other terms are deﬁned in the Agreement below.

(4) Contacting Us. Unless stated otherwise in this Agreement, you may contact us at the phone number
or address shown on your biiiing statement.

(5) Contacting You. By providing us with any teEephone number, you are expressty consenting permission
to contact you at that number about all of your'Welis Fargo accounts. You give consent to allow us to contact
your past, present and future phone service providers to verify the information you have provided against
their records. You agree that your phone service providers may verify any phone numbers you have supplied
to the name, address, and status on their records. For us to service your Account or to collect any amounts
you may owe, you agree that we may contact you using any contact information related to your Account
inciuding any number (i) you have provided to us (ii) from which you called us, or (iii) which we obtained and
reasonabiy beiieve we can reach you. We may use any means to contact you and this may include contact
from companies working on our behalf to service your accounts. This may include automated dialing devices,
prerecorded/artificial voice messages, mail, e—maiE, text messages, and calis to your cell phone or Voice over
Internet Protocol (V01?) service, or any other data or voice transmission technoiogy. You are responsible for
any service provider charges as a result of us contacting you. You agree to promptly notify us if you change
any contact information you provide to us. This includes your name, mailing address, e-mafl addresses, or
phone numbers. If you have a joint Account, a notice to one of you wiEI serve as a notice to both of you.

(6) Using Your Account. This is a consumer credit card Account which you may use for Purchases, balance
transfers, Cash Advances and any other transactions we alfow you to comptete. You promise that you will
use your Account only for iawful personal, famfiy, or household purposes. We reserve the right to deny
transactions or authorizations from merchants apparently engaging in the internet gambling business or
identifying themseives through the Card transaction record or otherwise as engaged in such business. We
are not responsible if anyone does not aEiow you to use your Account or refuses to accept any other Credit
Access Device. We may decline any transaction at any time.
. Purchases. You may use your Account for Purchases. Tax payments (including any fees charged by
an associated agency) are Purchases.

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. Balance Transfers. You may use your Account for balance transfers. The appiicable APR and balance
transfer fees are listed in the Important Terms of Your Credit Ca rd Account or with the balance transfer
offer or check you receive. There isno grace period on baiance transfers. We begin charging interest
on baiance transfers on the date the balance transfer is posted to your Account.
- Cash Advances. You may use your Account for Cash Advances. The applicabie APR and Cash Advance
fees are listed in the Important Terms of Your Credit Card Account. We may Hmit your total Cash
Advances to a portion of your totai revolving line of credit. There is no grace period on Cash Advances.
We begin charging interest on Cash Advances on the date the Cash Advance is posted to your Account.

Cash Advances from ATMS may be iimited by amount or frequency:
e A total daiiy withdrawal limit of $500;
o A maximum limit of $500 for any single ATM withdrawal;
. No more than ﬁve ATM withdrawals per day; and
The ATM owner may impose more restrictive limits.
If the ATM owner charges a surcharge or convenience fee for withdrawing cash, the amount of that fee
win be included as part of the totai Cash Advance amount.
You may elect to have an automatic Cash Advance from your Account to cover an overdraft on a linked
Wells Fargo checking account.
We determine the overdraft advance amount as foilows:
. We will advance the exact dollar amount to cover the overdraft, subject to a minimum overdraft
protection advance amount of $25.00. If the amount of available credit on your Card is less than the
amount of the overdraft or iess than the $25.00 minimum, we will stiiladvance the available amount.
The applicabie APR and transaCtion fee that apply to overdraft protection advances are Eisted in the
Important Terms of Your Credit Card Account. Overdraft protection advances, and applicabte interest
and fees, may cause your Account balance to exceed your revoiving line of credit.
If‘there is more than one person iisted on the checking account (such as a joint checking account) that
you have linked for overdraft protection, then:
. You will be responsibie for atl overdraft protection advances regardless of which person writes the
check or engages in any other transaction (such as a debit card purchase) that causes the overdraft;
and
0 You agree to alEow us to disclose to any other person on your checking account, that this Card is

linked to your checking account for qverdraft protection.
We reserve the right to cancel, suspend, or change the terms or conditions of your overdraft protection
service at any time, for any reason.
Credit Access Devices. You may access credit on your Account by using your Card, or another Credit
Access Device (such as SUPERCHECKSTM or baiance transfer checks).

SUPERCHECKS are checks you can use to access your Account ina manner simiiar to writing a check on
a deposit account. Except as otherwise stated below, when we receive a SUPERCHECKS check, we wilt

pay it by advancing the amount from your credit card Account. SUPERCHECKSTM checks wilf post as a
balance transfer if provided by us in connection with a balance transfer offer; otherwise they willpost as
a Cash Advance. They are subject to the related transaction fees and interest.
. You may not write a- SUPERCHECKS check as payment on your Account.
. Only the person whose name is printed on a SUPERCHECKS check may use it.

. Ail SUPERCHECKS checks must be written in US. dollars.
0 We wilt not certify SUPERCHECKS checks.
0 If you have a dispute which you are unable to resoive with a merchant about payment for property or
services that you paid for using a SUPERCHECKS check, you wili not be allowed to file a claim against
the bank to reimburse you for this transaction.
0 We reserve the right to put conditions on the use of SUPERCHECKS Checks and to reject, decline and
return unpaid any SUPERCHECKS check or advance at our discretion.
We may provide other Credit Access Devices which may be used to access your Account. The applicabie
interest and fee terms wiEl be disciosed to you prior to your use of the Credit Access Device.
Page 3 of 13
- Third Party/Mobile Devices. We may also permit you or any authorized user to load information about
your Account onto third party/mobile devices (such as a smartphone, tablet, or any other handheld
or wearable communication device that aliows you to store or electronicaliy present your Account
information) that would enabie you to make Purchases or engage in credit transactions for your Account
without needing to show your credit card. You and we agree that any such use of your Account wilf be
subject to all the terms and conditions contained in this Agreement.

To the extent you do use a third party/mobile device to make a credit transaction on your Account, or
and information about your Account onto any such device, you need to be aware that we do not control
the device and cannot guarantee the performance of either the device or any third party.

Additionally:
a You agree to carefuily protect the security of any devices the same as you would your cash, checks,
credit cards and other valuable information. We encourage you to password protect or lock your'
device to help prevent an unauthorized person from using it.You agree to promptiy report any loss
or theft to both us and the third party.
. You may incur third party fees related to engaging in a transaction (such as mobiie carrier data or
messaging charges).
0 Credit transactions made through a third party/mobile device may involve the eiectronic transmission
of information related to you or your Account across wireEess or computer networks. Third parties,
such as merchants, card association networks, mobile carriers, mobile waflet operators, and software
application providers may use and receive information in connection with a credit transaction. Third
parties may also receive information about your mobiie device when you use itto make a credit
transaction. _

. We may, at any time, partially or fully restrict your ability to make credit transactions through a third
party/mobile device. You agree to notify us promptly if you remove or want to remove your Account
information from any third party/mobiie device.

(7) Authorized Users. If you wish to have an additionai Card issued in another person‘s name, piease
contact us and we wiEI send you a Card with the name of the authorized person embossed on the front of the
Card. You are responsibfe for payment of the entire amount owed to us, including any Purchases, balance
transfers or Cash Advances (and all related interest and fees) made by the authorized person.
0 Ending Authorized User Privileges.
If you want to end an authorized user's priviiege to use your Account, before we can process the
request, you must:
a Recover and destroy that person's Card. If you do not recover and destroy the Card, you will continue
to be liable for any charges made after you advised us of your wish to cancei the privileges, uniess
you teEI us to cancel ailCards and estabiish a new Account for you.
. You must notify us of your request by contacting us at the number on the back of your Card or by
mail at Wells Fargo Bank, N.A., P.O. Box 10347, Des Moines, IA 50306.
In general, an authorized person is not obligated on this Account and is not liable for any Outstanding Balance
or any other charges made by you or by any other authorized person. Each authorized person's privilege
ends automatically upon the death of ail fully liable cardholders. If any person uses the Card, such use
indicates his or her agreement to pay us, and we may, at our discretion, pursue the person for payment of
any Outstanding Balance or any other charges they authorize. You agree to notify each authorized person
that they are subject to aEi appiicable sections of this Agreement.

(8) Lost or Stolen Cards and Liability for Unauthorized Use. You agree to notify us immediately, if

your Card is lost or stolen or if you believe your Account is being used without your permission. You may
contact us oralty or in writing at 1—800—642—4720 or 13.0. Box 1034)“, Des Moines, IA 50306. You agree to
assist us in our investigation of the matter. If you do this, you wil! not be held liable for the unauthorized
use of your Account.

(9) Promise to Pay. When you use your Account or Eet someone else use it,you promise to pay the totaE
amount of the Purchases, Cash Advances, and balance transfers, plus all interest, fees and other amounts
that you may owe us. We may Eimit or close your Account, but the terms of this Agreement wiIE apply until
you pay the Account inME.

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(10) Revolving Line of Credit.
We may assign the following limits to your Account:
. Revolving Line Of Credit Limit. This is the amount of credit we will extend to your Account.
a Cash Advance Limit. This is a portion of the revolving line of credit that is availabie for Cash Advances.
Your totai revolving line of credit is shown on the document that accompanies your Card and on each of your
biilingstatements. You promise to use your Account onEy to the limits. If you exceed your totaE revoiving
line of credit, we may authorize the transaction without increasing your total revolving line of credit (we
may treat that amount as immediately due), or deny the authorization, If you exceed the limits, you will still
remain liabie for all credit you receive. We can-adjust your revoiving line of credit at any time.

(11) Authorizations. We may iimit the number of authorizations we will ailow during a period of time.
We reserve the right to deny certain transactions for any reason, inciuding default, suspected fraudulent
or unlawful activity, internet gambling, or any indication of increased risk related to the transaction. For
security reasons, we cannot explain the details of how the authorization system works. You agree that we
wiil not be liabie for failing to give an authorization. If the authorization is denied, we may notify the person
who attempted the transaction that ithas been refused. Transactions at some merchants {such as hotels,
car rental companies, restaurants, and gas stations) may result in temporary authorizations for amounts
greater than the actual Purchase amount, which wiil make less credit available on your Account for several
days (usually until the date the actua! Purchase amount isreceived from the merchant).

(12) Change In Terms. We may change this Agreement at any time. These changes may apply to existing
and future balances. We will give you advance written notice of the changes and a right to reject the changes
if required by a
n. We may require you to close your Account or take other actions if you reject the changes.

(13) Fees. You agree to pay the following fees. You will find the fee amounts in the Important Terms of
Your Credit Card Account.
. Annual Fee. This fee may be charged Efapplicabie. If your Account has an annual fee, you are responsible
for paying it every year while YOUI Account is open. The annuai fee will not continue to be bilied after
your Account isclosed.
. Balance Transfer Fee. This fee may be charged if you engage in a balance transfer transaction.
0 Cash Advance Fee. This fee may be charged when a Cash Advance is posted to your Account.
¢ Overdraft Protection Advance Fee. This fee may be charged when an overdraft amount isadvanced
to the checking account iinked by you to your Account.
. Foreign Currency Conversion Fee. This fee may be charged on each Purchase transaction converted
into a US. doilar amount by Visa.
. Late Fee. This fee may be charged each time we do not receive the required Minimum Payment due
by the Payment Due Date.
. Returned Check or Returned Payment Fee. This fee may be charged when a payment is not processed
the ﬁrst time or is returned unpaid.

Additional fees may be charged if agreed between you and us. All fees wilt be added to the Purchases balance,
except Cash Advance fees which will be added to the Cash Advance baiance on your Account.
(14) Foreign Currency Transactions.
. Visa. If you make a transaction in a currency other than US. doliars using a Visa Card, then Visa
International ”Visa" will convert the charge into a 13.5. dollar amount. The exchange rate between the
transaction currency and the biiling currency used for processing international transactions is either (a)
a rate selected by Visa from the range of rates avaiiable in whoiesale currency markets for the applicable
central processing date, which rate may vary from the rate Visa itself receives, or (b) the government-
mandated rate in effect for the applicable central processing date. The currency conversion rate for the
processing date may differ from the rate in effect on the date of the transaction or the date the transaction
is posted to your Account.
. Point of Sale Conversion. Some merchants outside the United States offer cardholders the option of
having Card transactions converted to U5. doliars by Visa, as described above, or by the merchant itself.

Page 5 of 13
If the latter option is chosen, the currency conversion rate isdetermined 50!er by the merchant involved
in the transaction, and no foreign currency conversion fee ischarged by the bank for the transaction.

(15) Rates. This is how we calculate interest rates that apply to your AccOunt. The Important Terms of
Your Credit Card Account indicate the Standard and/or Standard Variabie APRs as applicable to the different
types of baiances on your Account. The document that accompanies your Card also states the calculated
daiiy periodic rates that appEy to your Account.
0 Introductory / Promotional APRs. If your Account is eligible for one or more introductory rates,
the Important Terms of Your Credit Card Account describe the duration, the transactions to which the
introductory rates apply, the introductory daiiy periodic rates, and the corresponding APRS appiicabfe to
your Account as of the date your Account opened. If a promotionat rate is offered after your Account is

open, the terms applicable to that promotionai APR will be provided at that time. After the introductory
rates or any other promotional rates expire, the remaining balances wHE be subject to the applicable
Standard or Standard Variable APR terms.
a How We Calculate Your Standard Variable APRs. If your Account is subject to Standard Variable
APR, the APR is a variable rate based on the US. Prime Rate plus the applicable "Margin". Unless an
introductory or promotionaf APR is in effect, we will add a "Margin" to the U.S. Prime Rate to determine
your variable APR. For each Billing Period, we use the US. Prime Rate or the average of the U.S. Prime
Rates (ifthere is more than one) published in the ”Money Rates" column of The Wali StreetJournal three
business days prior to your statement: cfosing date. If the U.S. Prime Rate is no longer published or is

not avaiiabie, we may select a similar index. The Important Terms of Your Credit Card Account dispiays
the amount of the "Margin" on Purchases, balance transfers, Cash Advances, and overdraft protection
advances, and daify periodic rates that apply to your Account. The APR may increase or decrease if the

US. Prime Rate increases or decreases and this will also cause the retated daiiy periodic rate to increase
or decrease. An increase or decrease in the APR may increase or decrease the total amount of interest
you pay. It may also increase or decrease the Minimum Payment due. If the APR changes due to a change”
in the U.S. Prime Rate, the. new APR wili appEy as of the firstday of your Bi!|_ingCycle. Any changes wilf
apply to both existing and future batances on your Account. The APR will continue to vary even if your

Account is ciosed.

. Standard APRs. If your Account is subject to Standard APRS, the Standard APRs will not vary with the
market based on the U. S. Prime Rate. However, we may change the Standard APRs from time to time in
accordance with section 12 above‘ Piease refer to the Important Terms of Your Credit Card Account for the
Standard APRs and daiEy periodic rates for Purchases, balance transfers, Cash Advances, and overdraft
protection advances applicable to your Account.
. How We Caiculate Your Daily Periodic Rates.
The daiiy periodic rates are calculated by dividing each appiicable APR by 365.

(15) Minimum Interest Charge. The Important Terms of Your Credit Card Account disctose the Minimum
Interest Charge applicabie to your Account.

(17) When We Charge Interest. Unless stated otherwise befow, we begin charging interest on a Purchase,
balance transfer, Cash-Advance, other transaction or interest charge on the date the Purchase, balance
transfer, Cash Advance, other transaction, or interest charge posts to your Account. We begin charging
interest on a fee on the first clay of the Bilﬁng Cycle following the Billing Cycle in which the fee posts to
your Account. However, if a late payment fee isposted to your Account in the current Billing Cycle, but is

related to a late payment in the prior Billing Cycle, we win begin charging interest on the fee on the first

day of the current Bifling Cycle.

(18) Grace Period. You can avoid interest on any portion of a Purchase shown on your current billing
statement that you pay by the Payment Due Date if the New Balance shown on your previous biiling statement
was zero or was paid in fuil by the previous Payment Due Date. The Payment Due Date will be at ieast 25
days from the statement closing date and is printed on each biliing statement you receive. You cannot avoid
interest on Cash Advances or balance transfers.
(19) How We Calculate Interest - Average Daily Balance Method (Including New Purchases).
The total interest charge is the sum of interest charges for each type of baiance, including any Cash Advance
balance or Purchase balance (Enciuding, for purposes of this section, bafance transfers) on your Account. We
ﬁgure the interest charge for each type of balance on your Account by applying the daiiy periodic rate to the
average daiEy baiance ("ADB"). Then, we multiply this amount by the number of days in the Billing Cycle.

Page 6 of 13
interest charge = daily periodic rate x ADB x number of days in BiHing Cycie.

ADBs for each type of balance are calculated separately starting with beginning balance of the firstday of
each BillingCche. The beginning balance on the firstday of the Bifling Cycle is the prior Billing Cycie's ending
baiance, which includes any unpaid fees posted to your Account in the prior Billing Cycfe. It aiso includes
any late payment fees posted in the current Billing Cycie that are related to a {are payment in the prior
Biliing Cycle. To get the ADB for each type of balance, we take the beginning balance each day and add
any new Purchases, balance transfers and Cash Advances. Except for the first day of each Billing Cycle, we
add interest equal to the previous day's balance multiplied by the daily periodic rate. (This means interest
is compounded daity.) Then, we subtract any payments or credits. This gives us the daily balance. Any daily
batance that is a credit balance wili be treated as zero. Then, we add up all the daily balances for the Billing
Cycle. We divide this amount by the number of days in the Biiling Cycle. This gives us the ADB.

ADB = sum of daily balances + number of days in the Bilﬁng Cycle.

ﬁ'il'i‘

(20) Billing Statements. Each month you have a balance, you win receive a biiling statement showing
your New Balance. Your billing statement aEso shows the Minimum Payment due, the Payment Due Date and
the time of day by which we must receive your payment.
(21) Payments.
. Minimum Payment. You promise to pay the Minimum Payment due by the Payment Due Date. The
amount of your monthly payment wili depend on whether the New Balance shown on your biliing statement
is greater or Eess than the revolving ﬁne of credit amount assigned to your Account and whether any
payment ispast due. The "Minimum Payment" is calculated by the larger of:
o If the New Balance is less than the revolving line of credit amount assigned to your Account, the
Minimum Payment is the iargest of the following:
1 The" sum of the fees and interest billed during the Bilfing Cycle for which the Minimum Payment
is calculated plus 1% of the New Baiance shown on the bifling statement;
2 2% ofthe New Baiance shown on the billing statement; or
3 $15.00 (or the entire balance on the Account ifthe New Balance is less than $1530)
a Ifthe New Balance isgreater than the revolving line of credit amount assigned to yourAccount, the
Minimum Payment is the largest of the following:
1 The sum of the fees and interest billed during the Billing Cycle for which the Minimum Payment
iscaiculated plus 1% of the New Baiance shown on the biiling statement;
2 if no payment is past due, 2% of the revolving iine of credit amount assigned to the Account plus
the amount of the New Balance that exceeds the assigned revolving iine of credit amount; or
3 if any payment is past due, 2% of"the revofving line of credit amount assigned to the Account
pEus the amount of the New Balance that exceeds the assigned revolving line of credit amount
which is also greater than the amount past due.
This is rounded—up to the next highest whote dollar amount, then any past due amount is added. The total
is disclosed on the biliing statement as the "Minimum Payment".
Credits will not be used to meet the Minimum Payment. In addition, the amount of the New Balance that
exceeds the assigned revolving line of credit and any past due amount isdue and payable immediateiy.
. Payment Instructions. Follow these instructions when making a payment:
0 Make your payment in US. dollars, but do not send cash. Uniess the payment is made electronically,
it must be in the form of a persona! check, money order, or cashier's check and capable of being
processed through the Federal Reserve System. Payments must be drawn on a United States bank.
If we choose to accept a payment made ina foreign currency, we wili temporarily credit the Account,
until the U.S. currency conversion is compiete. We will then reverse the temporary credit and post
the US. currency converted amount.
. Ifyou choose to make a payment by mail, please maii to the payment address designated on your
billing statement using the envelope and the payment coupon enclosed with your biiling statement.
Payments received by 5:00 pm. local time at the location to which the payment is mailed, wili be

Page 7 of 13
credited as of the date of receipt. Payments
'
received after 5:00 p.m., will be credited as of the next
day.
. If you choose to make a payment online via Welis Fargo Online Banking at weilsfargo.com, the cut-
off time for online payments will be disclosed at the time of the transaction.

If you do not follow these instructions, or make a payment using a money transfer other than the transfer
feature on WelEs Fargo Online Banking, your payment may not receive credit for up to ﬁve days after we
receive it.

Any payment submitted to us in the form of a check or other paper document may be converted to an
electronic transaction through procedures established by the National Automated Clearing House Association.
If this occurs, the original check or other document that you send to us will not be retained, but a copy
would be available ifrequested.

We may, at our discretion, withhold a portion

Case Info

Judge

JAGGER, EDWIN Track Judge’s New Case

Case No.

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Document Filed Date

November 14, 2017

Case Filing Date

February 28, 2017

County

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