Portfolio Recovery Associates, LLC v. Eric K George

25-39389-0 ZO1 010 IN THE DISTRICT COURT OF POTTAWATOMIE COUNTY STATE OF OKLAHOMA Portfolio Recovery Associates, LLC, Plaintiff, vs. Eric K George, Defendant. PETITION FOR INDEBTEDNESS COMES NOW the Plaintiff, by and through its undersigned attorneys who hereby enter their appearance herein, and for its cause of action against the defendants alleges and states as follows: 1. CITIBANK, N.A., provided credit to the defendant on account number XXXXXXXXXXXXXX4383. The Defendant defaulted on the obligation. The account has been assigned to Plaintiff. 2. Defendant owes Plaintiff $3,459.05. An Affidavit of Account and/or contract is attached hereto and incorporated by reference. WHEREFORE, Plaintiff prays for Judgment against the Defendant in the sum of $3,459.05, plus all court costs, accrued and accruing; and for such other relief as the Court may deem just and proper. CITI PO Box 790040 St. Louis, MO 63179-9819 Account Number Ending In: 4383 1/28/2025 ERIC K GEORGE 19828 JUANITA LN TECUMSEH OK 74873-5358 Dear ERIC K GEORGE: Your account ending in 4383 with a balance of $3459.05 has been sold to Portfolio Recovery Associates, LLC and is no longer owned by Citi. The balance consists of $2760.7 of principal, $338.35 in interest, and $360 in fees. Effective immediately, please send any future payments or correspondence to Portfolio Recovery Associates, LLC at: Portfolio Recovery Associates, LLC P.O. Box 12914 Norfolk VA 23541 Portfolio Recovery Associates, LLC may also be reached at 1-800-772-1413. In case you have already sent payment to Citi, the payment will be forwarded to Portfolio Recovery Associates, LLC. Please note this is not a bill. Sincerely, Your Citi Team Citibank, N.A. Account Statement Summary of Account Activity <table> <tr><th>Previous Balance</th><td>$3,333.82</td></tr> <tr><th>Payments</th><td>-$0.00</td></tr> <tr><th>Other Credits</th><td>$0.00</td></tr> <tr><th>Purchases/Other Debits</th><td>+$0.00</td></tr> <tr><th>Cash Advances</th><td>+$0.00</td></tr> <tr><th>Fees Charged</th><td>+$40.00</td></tr> <tr><th>Interest Charged</th><td>+$85.23</td></tr> <tr><th>New Balance</th><td>$3,459.05</td></tr> <tr><th>Past Due Amount</th><td>$956.00</td></tr> <tr><th>Credit Limit</th><td>$0.00</td></tr> <tr><th>Available Credit</th><td>$0.00</td></tr> <tr><th>Cash Advance Limit</th><td>$0.00</td></tr> <tr><th>Available Cash Limit</th><td>$0.00</td></tr> <tr><th>Amount Over Credit Limit</th><td>$659.05</td></tr> <tr><th>Statement Closing Date</th><td>11/25/2024</td></tr> <tr><th>Next Statement Closing Date</th><td>12/26/2024</td></tr> <tr><th>Days in Billing Cycle</th><td>31</td></tr> </table> Payment Information <table> <tr><th>New Balance</th><td>$3,459.05</td></tr> <tr><th>Minimum Payment Due</th><td>$1,775.05</td></tr> <tr><th>Payment Due Date</th><td>December 20, 2024</td></tr> <tr><th colspan="3">Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $40.</th></tr> <tr><th colspan="3">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:</th></tr> <tr><th>If you make no additional charges using this card and each month you pay...</th><th>You will pay off the balance shown on this statement in about...</th><th>And you will end up paying an estimated total of...</th></tr> <tr><td>Only the minimum payment</td><td>13 years</td><td>$7,853</td></tr> <tr><td>$146</td><td>3 years</td><td>$5,268 (Savings=$2,585)</td></tr> </table> Please note that if we received your payment by phone or online payment between 5 p.m. ET and midnight ET on the last day of your billing period, your payment will not be reflected until your next statement. TRANSACTIONS <table> <tr><th>Trans Date</th><th>Description</th><th>Reference #</th><th>Amount</th></tr> <tr><th colspan="3">FEES</th><th></th></tr> <tr><td>11/20</td><td>LATE FEE</td><td></td><td>$40.00</td></tr> <tr><td colspan="3">TOTAL FEES FOR THIS PERIOD</td><td>$40.00</td></tr> <tr><th colspan="3">INTEREST CHARGED</th><th></th></tr> <tr><td>11/25</td><td>INTEREST CHARGE ON PURCHASES</td><td></td><td>$85.23</td></tr> <tr><td colspan="3">TOTAL INTEREST FOR THIS PERIOD</td><td>$85.23</td></tr> </table> Payment Due Date: December 20, 2024 New Balance: $3,459.05 Past Due Amount: $956.00 Minimum Payment Due: $1,775.05 Amount Enclosed: $ *Past Due Amount is included in the Minimum Payment Due. Please see reverse side to change your address. Make Checks Payable to: BEST BUY CREDIT SERVICES PO BOX 78009 PHOENIX, AZ 85062-8009 Information About Your Account. Paying Interest. Your payment due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your New Balance by the payment due date each month. This is called a grace period on purchases. To get a grace period on purchases, you must pay the New Balance by the payment due date every billing cycle. If you do not, you will not get a grace period until you pay the New Balance for two billing cycles in a row. We will begin charging interest on cash advances and balance transfers on the transaction date. If you have a balance subject to a deferred interest promotion and that promotion does not expire before the payment due date, that balance (an "excluded balance") is excluded from the amount you must pay in full to get a grace period on a purchase balance other than an excluded balance. In addition, if you have a reduced rate credit plan, that balance (an "excluded balance") is excluded from the amount you must pay in full to get a grace period on a purchase balance other than an excluded balance. However, you must still pay any separately required payment on the excluded balance. In billing cycles in which payments are allocated to deferred interest balances first, the deferred interest balance will be reduced before any other balance on the account. However, you will continue to get a grace period on purchases, other than an excluded balance, so long as you pay the New Balance (less any excluded balance, plus any separately required payment on an excluded balance) in full by the payment due date each billing cycle. Deferred interest offers may also be called Same As Cash or No Interest. In addition, certain promotional offers not described above may also allow you to have a grace period on purchases without having to pay all or a portion of the promotional balance by the payment due date. If that is the case, the promotional offer will describe what happens. How We Calculate Your Balance Subject to Interest Rate. We use a daily balance method (including current transactions) to calculate interest charges. To find out more information about the balance computation method and how the resulting interest charges were determined, contact us at the Account Inquiries number on Page 1 of your statement. Balance Transfers (If Available). Balance transfer amounts are included in the "Purchases" line on the Summary of Account Activity. Membership Fee. Some accounts are charged a membership fee. To avoid paying this fee, notify us that you are closing your account within 30 days of the mailing or delivery date of the statement on which the fee is billed. Other Account and Payment Information. Payment Amount. You may pay all or part of your account balance at any time. However, you must pay, by the payment due date, at least the minimum payment due. When Your Payment Will Be Credited. If we receive your payment in proper form at our processing facility by 5 p.m. local time there, it will be credited as of that day. A payment received there in proper form after that time will be credited as of the next day. Allow 5 to 7 days for payments by regular mail to reach us. There may be a delay of up to 5 days in crediting a payment we receive that is not in proper form or is not sent to the correct address. The correct address for regular mail is the address on the front of the payment coupon. The correct address for courier or express mail is shown in the Express Mail section. Proper Form. For a payment sent by mail or courier to be in proper form, you must: • Enclose a valid check or money order. No cash, gift cards, or foreign currency please. • Include your name and the last four digits of your account number. Payment Other Than By Mail. • In-Store (Where Available). Any payment in proper form accepted in-store will be credited as of that day. However, credit availability may be subject to verification of funds. Not all stores accept payments. Contact your local store to see if in-store payments are accepted at that location. • Text to Pay (If Available). Text "pay" to the Text to Pay number on Page 1 of your statement. To pay via text you must use the cell phone or mobile device number and payment accounts associated with your account. Text to Pay is not available for debit card payments. Message and data rates may apply. • Online/AutoPay. Go to the URL on Page 1 of your statement to make a payment online. You can also enroll in AutoPay and have your payment amount automatically deducted each month from the payment account you choose. • Phone. Call the Account Inquiries number on Page 1 of your statement to make a payment by phone. For phone payments, you authorize us to electronically debit your specified bank account by an ACH transaction in the amount and on the date that you indicate on the phone. For AutoPay, you also authorize us to automatically debit your specified bank account every month, in the amount and on the same date each month that you indicate on the phone, until you withdraw your authorization. You may cancel a one-time phone payment or withdraw your authorization for automatic debits by calling us at the Account Inquiries number on Page 1 of your statement within the timeframe disclosed to you on the phone. • Express Mail. Send payment by express mail or courier to: Consumer Payment Dept., 6716 Grade Lane, Building 9, Suite 910, Louisville, KY 40213. • Crediting Payments other than by Mail. The payment cutoff time for Online bill payments, Text to Pay payments, Phone payments, Express Mail, and courier payments is midnight Eastern time. This means that we will credit your account as of the calendar day, based on Eastern time, that we receive your payment request. If you send an eligible check, you authorize us to complete your payment by electronic debit. If we do, the checking account will be debited in the amount on the check. We may do this as soon as the day we receive the check. Also, the check will be destroyed. Credit Reporting Disputes. We may report information about your account to credit bureaus. If you think we reported inaccurate information, please write us at: Credit Bureau Dispute Verification, P.O. Box 6497, Sioux Falls, SD 57117. Report a Lost or Stolen Card Immediately. Call the Account Inquiries number shown on Page 1. What To Do If You Think You Find A Mistake On Your Statement. If you think there is an error on your statement, write to us at the address for billing errors and customer service inquiries shown on Page 1 of your statement. In your letter, give us the following information: 1. Account Information: Your name and account number. 2. Dollar Amount: The dollar amount of the suspected error. 3. Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address for billing errors and customer service inquiries shown on Page 1 of your statement. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. Account number ending in 4383 2024 Totals Year-to-Date Total Fees Charged in 2024 $320.00 Total Interest Charged in 2024 $877.85 ACTIVITY AND PROMOTIONS DETAIL <table> <tr> <th>Original Promotion Trans Amount</th> <th>Promo Trans Date</th> <th>Previous Balance</th> <th>Payments & Other Credits</th> <th>Purchases, Cash Adv, Fees & Other Debits</th> <th>Interest Charged</th> <th>New Balance</th> <th>Promotion Minimum Payment Due</th> <th>Deferred Interest Charges</th> <th>Promotion Expiration Date</th> </tr> <tr> <td colspan="10"><b>PURCHASES</b></td> </tr> <tr> <td colspan="2">REGULAR</td> <td>$3,333.82</td> <td>-</td> <td>$40.00</td> <td>$85.23</td> <td>$3,459.05</td> <td>-</td> <td>-</td> <td>-</td> </tr> <tr> <td colspan="10"><b>CASH ADVANCES</b></td> </tr> <tr> <td colspan="2">REGULAR</td> <td>-</td> <td>-</td> <td>-</td> <td>-</td> <td>-</td> <td>-</td> <td>-</td> <td>-</td> </tr> <tr> <td colspan="2"><b>TOTAL</b></td> <td>$3,333.82</td> <td>$0.00</td> <td>$40.00</td> <td>$85.23</td> <td>$3,459.05</td> <td>$0.00</td> <td>$0.00</td> <td></td> </tr> </table> INTEREST CHARGE CALCULATION <table> <tr> <th>Type of Balance</th> <th>Annual Percentage Rate (APR)</th> <th>Balance Subject to Interest Rate</th> <th>Interest Charge</th> <th>Your Annual Percentage Rate (APR) is the annual interest rate on your account.</th> </tr> <tr> <td>PURCHASES</td> <td>29.74% (M)(V)</td> <td>$3,374.87</td> <td>$85.23</td> </tr> <tr> <td>CASH ADVANCES</td> <td>29.99% (M)(V)</td> <td>$0.00</td> <td>$0.00</td> </tr> </table> (V) = Variable Rate THIS PAGE INTENTIONALLY LEFT BLANK Summary of Account Activity <table> <tr><th>Previous Balance</th><td>$3,314.03</td></tr> <tr><th>Payments</th><td>-$62.00</td></tr> <tr><th>Other Credits</th><td>-$40.00</td></tr> <tr><th>Purchases/Other Debits</th><td>+$0.00</td></tr> <tr><th>Cash Advances</th><td>+$0.00</td></tr> <tr><th>Fees Charged</th><td>+40.00</td></tr> <tr><th>Interest Charged</th><td>+81.79</td></tr> <tr><th>New Balance</th><td>$3,333.82</td></tr> <tr><th>Past Due Amount</th><td>$840.00</td></tr> </table> <table> <tr> <th>Credit Limit</th><td>$0.00</td> </tr> <tr> <th>Available Credit</th><td>$0.00</td> </tr> <tr> <th>Cash Advance Limit</th><td>$0.00</td> </tr> <tr> <th>Available Cash Limit</th><td>$0.00</td> </tr> <tr> <th>Amount Over Credit Limit</th><td>$533.82</td> </tr> <tr> <th>Statement Closing Date</th><td>10/25/2024</td> </tr> <tr> <th>Next Statement Closing Date</th><td>11/25/2024</td> </tr> <tr> <th>Days in Billing Cycle</th><td>30</td> </tr> </table> Payment Information <table> <tr><th>New Balance</th><td>$3,333.82</td></tr> <tr><th>Minimum Payment Due</th><td>$1,489.82</td></tr> <tr><th>Payment Due Date</th><td>November 20, 2024</td></tr> </table> Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $40. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: <table> <tr> <th>If you make no additional charges using this card and each month you pay…</th> <th>You will pay off the balance shown on this statement in about…</th> <th>And you will end up paying an estimated total of…</th> </tr> <tr> <td>Only the minimum payment</td> <td>13 years</td> <td>$7,855</td> </tr> <tr> <td>$142</td> <td>3 years</td> <td>(Savings=$2,761)</td> </tr> </table> If you would like information about credit counseling services, call 1-877-337-8111 (TTY: 711). Your payment last month did not meet the minimum amount due. We appreciate your efforts in making payments on your account so we have credited the late fee that was charged. Please contact us at the number listed at the top of your statement to learn about options to make payments, which may help you avoid late fees. Your account is 6 months past due. Please make your minimum payment by the due date shown. To make a payment, please visit us online or call us using the toll free or TTY numbers listed at the top of this statement. If you're having difficulty making payments, please contact us; we may be able to help. TRANSACTIONS <table> <tr> <th>Trans Date</th> <th>Description</th> <th>Reference #</th> <th>Amount</th> </tr> <tr> <td>LATE FEE</td> <td></td> <td></td> <td>$40.00</td> </tr> <tr> <td>10/09</td> <td>ONLINE PAYMENT DEERFIELD IL</td> <td>74269937MBEYR6M6Y4</td> <td>$62.00</td> </tr> </table> Information About Your Account. Paying Interest. Your payment due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your New Balance by the payment due date each month. This is called a grace period on purchases. To get a grace period on purchases, you must pay the New Balance by the payment due date every billing cycle. If you do not, you will not get a grace period until you pay the New Balance for two billing cycles in a row. We will begin charging interest on cash advances and balance transfers on the transaction date. If you have a balance subject to a deferred interest promotion and that promotion does not expire before the payment due date, that balance (an "excluded balance") is excluded from the amount you must pay in full to get a grace period on a purchase balance other than an excluded balance. In addition, if you have a reduced rate credit plan, that balance (an "excluded balance") is excluded from the amount you must pay in full to get a grace period on a purchase balance other than an excluded balance. However, you must still pay any separately required payment on the excluded balance. In billing cycles in which payments are allocated to deferred interest balances first, the deferred interest balance will be reduced before any other balance on the account. However, you will continue to get a grace period on purchases, other than an excluded balance, so long as you pay the New Balance (less any excluded balance, plus any separately required payment on an excluded balance) in full by the payment due date each billing cycle. Deferred interest offers may also be called Same As Cash or No Interest. In addition, certain promotional offers not described above may also allow you to have a grace period on purchases without having to pay all or a portion of the promotional balance by the payment due date. If that is the case, the promotional offer will describe what happens. How We Calculate Your Balance Subject to Interest Rate. We use a daily balance method (including current transactions) to calculate interest charges. To find out more information about the balance computation method and how the resulting interest charges were determined, contact us at the Account Inquiries number on Page 1 of your statement. Balance Transfers (If Available). Balance transfer amounts are included in the "Purchases" line in the Summary of Account Activity. Membership Fee. Some accounts are charged a membership fee. To avoid paying this fee, notify us that you are closing your account within 30 days of the mailing or delivery date of the statement on which the fee is billed. Other Account and Payment Information. Payment Amount. You may pay all or part of your account balance at any time. However, you must pay by the payment due date at least the minimum payment due. When Your Payment Will Be Credited. If we receive your payment in proper form at our processing facility by 5 p.m. local time there, it will be credited as of that day. A payment received there in proper form after that time will be credited as of the next day. Allow 5 to 7 days for payments by regular mail to reach us. There may be a delay of up to 5 days in crediting a payment we receive that is not in proper form or is not sent to the correct address. The correct address for regular mail is the address on the front of the payment coupon. The correct address for courier or express mail is shown in the Express Mail section. Proper Form. For a payment sent by mail or courier to be in proper form, you must: - Enclose a valid check or money order. No cash, gift cards, or foreign currency please. - Include your name and the last four digits of your account number. Payment Other Than By Mail. • In-Store (Where Available). Any payment in proper form accepted in-store will be credited as of that day. However, credit availability may be subject to verification of funds. Not all stores accept payments. Contact your local store to see if in-store payments are accepted at that location. • Text to Pay (If Available). Text “pay” to the Text to Pay number on Page 1 of your statement. To pay via text you must use the cell phone or mobile device number and payment accounts associated with your account. Text to Pay is not available for debit card payments. Message and data rates may apply. • Online/AutoPay. Go to the URL on Page 1 of your statement to make a payment online. You can also enroll in AutoPay and have your payment amount automatically deducted each month from the payment account you choose. • Phone. Call the Account Inquiries number on Page 1 of your statement to make a payment by phone. For phone payments, you authorize us to electronically debit your specified bank account by an ACH transaction in the amount and on the date that you indicate on the phone. For AutoPay, you also authorize us to automatically debit your specified bank account every month, in the amount and on the same date each month that you indicate on the phone, until you withdraw your authorization. You may cancel a one-time phone payment or withdraw your authorization for automatic debits by calling us at the Account Inquiries number on Page 1 of your statement within the timeframe disclosed to you on the phone. • Express Mail. Send payment by express mail or courier to: Consumer Payment Dept., 6716 Grade Lane, Building 9, Suite 910, Louisville, KY 40213. • Crediting Payments other than by Mail. The payment cutoff time for Online bill payments, Text to Pay payments, Phone payments, Express Mail, and courier payments is midnight Eastern time. This means that we will credit your account as of the calendar day, based on Eastern time, that we receive your payment request. If you send an eligible check, you authorize us to complete your payment by electronic debit. If we do, the checking account will be debited in the amount on the check. We may do this as soon as the day we receive the check. Also, the check will be destroyed. Credit Reporting Disputes. We may report information about your account to credit bureaus. If you think we reported inaccurate information, please write us at: Credit Bureau Dispute Verification, P.O. Box 6497, Sioux Falls, SD 57117. Report a Lost or Stolen Card Immediately. Call the Account Inquiries number shown on Page 1. What To Do If You Think You Find A Mistake On Your Statement. If you think there is an error on your statement, write us at the address for billing errors and customer service inquiries shown on Page 1 of your statement. In your letter, give us the following information: 1. Account information: Your name and account number. 2. Dollar amount: The dollar amount of the suspected error. 3. Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address for billing errors and customer service inquiries shown on Page 1 of your statement. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. Account number ending in 4383 TRANSACTIONS (cont.) <table> <tr> <th>Trans Date</th> <th>Description</th> <th>Reference #</th> <th>Amount</th> </tr> <tr> <td colspan="4"><b>FEES</b></td> </tr> <tr> <td colspan="2">LATE FEE</td> <td></td> <td>$ 40.00</td> </tr> <tr> <td colspan="2">TOTAL FEES FOR THIS PERIOD</td> <td></td> <td>$ 40.00</td> </tr> <tr> <td colspan="4"><b>INTEREST CHARGED</b></td> </tr> <tr> <td>10/25</td> <td>INTEREST CHARGE ON PURCHASES</td> <td></td> <td>$ 81.79</td> </tr> <tr> <td colspan="2">TOTAL INTEREST FOR THIS PERIOD</td> <td></td> <td>$ 81.79</td> </tr> </table> <table> <tr> <th colspan="2">2024 Totals Year-to-Date</th> <th></th> <th></th> </tr> <tr> <td>Total Fees Charged in 2024</td> <td></td> <td>$280.00</td> </tr> <tr> <td>Total Interest Charged in 2024</td> <td></td> <td>$792.62</td> </tr> </table> ACTIVITY AND PROMOTIONS DETAIL <table> <tr> <th rowspan="2">Original Promotion Trans Amount</th> <th rowspan="2">Promo Trans Date</th> <th rowspan="2">Previous Balance</th> <th rowspan="2">Payments & Other Credits</th> <th>Purchases, Cash Adv, Fees & Other Debits</th> <th>Interest Charged</th> <th>New Balance</th> <th>Promotion Minimum Payment Due</th> <th>Deferred Interest Charges</th> <th>Promotion Expiration Date</th> </tr> <tr> <th></th> <th></th> <th></th> <th></th> <th></th> <th></th> <th></th> </tr> <tr> <td colspan="10">PURCHASES REGULAR</td> </tr> <tr> <td colspan="10">$3,314.03 $102.00- $40.00 $81.79 $3,333.82</td> </tr> <tr> <td colspan="10">CASH ADVANCES REGULAR</td> </tr> <tr> <td colspan="10"></td> </tr> <tr> <td colspan="10">TOTAL $3,314.03 $102.00- $40.00 $81.79 $3,333.82 $0.00 $0.00</td> </tr> </table> INTEREST CHARGE CALCULATION Type of Balance | Annual Percentage Rate (APR) | Balance Subject to Interest Rate | Interest Charge PURCHASES REGULAR | 29.99% (M)(V) | $3,318.44 | $81.79 CASH ADVANCES REGULAR | 29.99% (M)(V) | $0.00 | $0.00 (V) = Variable Rate Pay your bill with just a text. The quicker way to pay your bill: • Text PAY to 81964¹ using the mobile device connected to your BestBuy.AccountOnline.com account. • After we confirm your identity, you’ll receive a text asking how much you would like to pay and which payment account² you would like to use. • You'll receive a payment confirmation via text. ¹ Message and data rates may apply. Payment account information must be on Best Buy AccountOnline.com to take advantage of pay by text - features are not available for all card types and payment accounts. ² CARD TYPE AND ACCOUNT INFORMATION MAY NOT BE ACCEPTED / RECOGNIZED AT ALL TIMES. BEST BUY IS NOT RESPONSIBLE FOR ANY ERRORS IN TRANSMITTING OR RECEIVING CARD TYPE AND ACCOUNT INFORMATION. THIS PAGE INTENTIONALLY LEFT BLANK Card Agreement This Card Agreement is your contract with us. It governs the use of your card and account. The enclosed Facts about Interest and Fees ("Fact Sheet") is part of this Agreement. Please read this Agreement, including the Fact Sheet, carefully. Keep them for your records. Definitions account means the relationship established between you and us by this Agreement. APR means an annual percentage rate. authorized user means any person you allow to use your account. card means one or more cards or other access devices that we give you to get credit under this Agreement. This includes account numbers. card network An organization, such as MasterCard®, Visa®, and American Express®, that facilitates the payment process between a cardmember, merchants, and a card issuer. cash advance Use of your card to get cash, including foreign currency, or for what we consider a cash-like transaction. Examples include using your card for: ATM and teller withdrawals, wire transfers, money orders, traveler's checks, lottery tickets, gaming chips and other methods used for gambling, wagers and other betting transactions. purchase Use of your card to buy goods and services. Balance transfers and cash advances are not purchases. we, us, and our mean Citibank, N.A., the issuer of your account. Citibank, N.A. is located in Sioux Falls, SD. you, your, and yours mean the person who applied to open the account. It also means any other person responsible for complying with this Agreement. Your Account You agree to use your account in accordance with this Agreement. You must pay us for all amounts due on your account. This Agreement is binding on you unless you close your account within 30 days after receiving the card and you have not used or authorized use of the card. Your account must only be used for lawful transactions. Authorized Users. You may request cards for authorized users. You must pay us for any charges they make even if you did not intend to be responsible for those charges. You agree that they may receive information about the account, subject to any limitations we impose. You must tell us if you no longer want them to use your account. Joint Accounts. If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if the account is used by only one of you. You will continue to be liable for the entire balance of the account, even if your co-applicant is ordered by a court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your account status will continue to be reported to the credit bureau under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions. Credit Limit. Your credit limit appears on your billing statement. The full amount of your credit limit is available to use where the card is honored. We will notify you separately what part of your credit limit is available for cash advances. That part is called the cash advance limit. We may reduce or increase your credit limit or cash advance limit at any time for any reason as permitted by law. We will notify you of any change, but the change may take effect before you receive the notice. You should always keep your total balance below the credit limit. However, if the total balance goes over your credit limit you still must pay us. If your account has a credit balance, we may reduce the credit balance by any new charges on your account. You may not maintain a credit balance in excess of your credit limit. Balance Transfers. Balance transfers are an account feature. We may make them available to you at our discretion through offers. Balance transfers are subject to the same APR as regular purchases unless the offer tells you otherwise. Checks. We may provide you with convenience checks. When we do, we will tell you in writing whether they may be used for balance transfer transactions or cash advance transactions. If we tell you they may be used for balance transfer transactions, any use will be a balance transfer transaction. You may use them to transfer a balance to your account or make other transactions. If we tell you they may be used for cash advance transactions, any use will be a cash advance transaction even if you use the check to make a payment to another creditor. You may not use convenience checks to pay an amount owed to us under this Agreement or to pay another account with us or an affiliate. We do not certify these checks or return any checks that have been paid. Billing Statement. Your billing statement shows the New Balance. This is the total amount you owe us on the Statement Closing Date. To determine the New Balance, we begin with the total balance at the start of the billing cycle. We add any purchases, balance transfers or cash advances. We subtract any credits or payments. We then add any interest charges or fees and make other adjustments. Your billing statement also shows your transactions; the Minimum Payment Due and payment due date; your credit limit and cash advance limit; and your interest charges and fees. We deliver a billing statement to only one address. You must notify Customer Service of a change in address. We may stop sending you statements if we deem your account uncollectible or start collection proceedings; but we may continue to add interest and fees as permitted by law. APRs Variable APRs Based on Prime. See the Fact Sheet for information about the APRs that apply to your account. If any APR is based on the U.S. Prime Rate ("Prime Rate"), the APR will equal the Prime Rate plus an additional amount. The additional amount appears on the Supplement. If the Prime Rate increases, it will cause the APR to increase. If the Prime Rate decreases, it will cause the APR to decrease. For each billing cycle we use the Prime Rate published in The Wall Street Journal two business days before the Statement Closing Date. If the Prime Rate causes an APR to change, we put the new APR into effect as of the first day of the billing cycle for which we calculate the APR. We apply the new APR to any existing balances, subject to any promotional rate that may apply. If The Wall Street Journal does not publish the Prime Rate, we will use a similar published rate. APR for Reduced Rate Credit Plan. See the Fact Sheet for APRs that apply to your account. The store sales associate or store website will identify which purchases are eligible for these plans. Effect of APR Increases. If an APR increases, interest charges increase. Your minimum payment may increase as well. Promotions We may offer promotional terms for all or a part of any balances. Any promotional terms may apply for a limited period of time. They will be governed by the terms of the promotional offer and this Agreement. Your promotional terms will end when the promotional period expires. APRs When Interest Charges Begin. We begin to impose interest charges the first day we add a charge to a daily balance. The charges we add to a daily balance include purchases, balance transfers, and cash advances. They also include interest charges and fees. We continue to impose interest charges until we credit your account with full payment of the total amount you owe us. Grace Period on Purchases. You can avoid interest charges on purchases, but not on balance transfers and cash advances. This is called a grace period on purchases. The grace period is at least 25 days. To get a grace period on purchases, you must pay the New Balance by the payment due date every billing cycle. If you do not, you will not get a grace period until you pay the New Balance for two billing cycles in a row. If you have a balance subject to a deferred interest promotion and that promotion does not expire before the payment due date, that balance (an "excluded balance") is excluded from the amount you must pay in full to get a grace period on a purchase balance other than an excluded balance. In addition, if you have a reduced rate credit plan balance, that balance (an "excluded balance") is excluded from the amount you must pay in full to get a grace period on a purchase balance other than an excluded balance. However, you must still pay any separately required payment on the excluded balance. In billing cycles in which payments are allocated to deferred interest balances first, the deferred interest balance will be reduced before any other balance on the account. However, you will continue to get a grace period on purchases, other than an excluded balance, so long as you pay the New Balance (less any excluded balance), plus any separately required payment on an excluded balance) in full by the payment due date each billing cycle. In addition, certain promotional offers not described above may also allow you to have a grace period on purchases without having to pay all or a portion of the promotional balance by the payment due date. If that is the case, the promotional offer will describe what happens. Calculation of Interest Charges — Daily Balance Method (Including Current Transactions). We calculate interest charges each billing cycle. To do this: • We start with each of your different balances. These balances include, for example, regular purchases, regular cash advances, and different promotional balances. (When we calculate interest charges, we treat each deferred interest transaction separately even if it has the same terms as another deferred interest transaction.) • We calculate the daily balance for each of your different balances. To get a daily balance, we start with the balance as of the end of the previous day. We add any interest charge on the previous day's balance. (This results in daily compounding of interest charges.) We then add any new charges. We then subtract any new credits or payments. • We multiply each daily balance by the daily periodic rate that applies to it. We do this for each day in the billing cycle. This gives us the daily interest charges for each of your different balances. • We add up all the daily interest charges. The sum is the total interest charge for the billing cycle. • You authorize us to round interest charges to the nearest cent. Fees Annual Membership Fee. If an annual membership fee applies, the Fact Sheet shows it. We will refund this fee if you notify us that you are closing your account within 30 days of the mailing or delivery date of the billing statement on which the fee appears. The fee is otherwise non-refundable. We add this fee to the regular purchase balance. Transaction Fee for Cash Advances. The Fact Sheet shows the amount of this fee. You take a cash advance if you use a cash advance check; get money through an automated teller machine (ATM); or get money through home banking on a financial institution. You also take a cash advance if you make a wire transfer, buy a money order, traveler's check, lottery ticket, casino chip, or similar item; or engage in a similar transaction. Transaction Fee for Balance Transfers. The Fact Sheet shows the amount of this fee. You make a balance transfer if you use a balance transfer convenience check or contact us to transfer a balance. This fee is in addition to any periodic fee that may be imposed with a promotional offer. Late Fee. The Fact Sheet shows the amount of this fee. We may add a late fee for each billing cycle in which you have a past due payment. For late fee purposes, you have a past due payment any time you fail to pay the Minimum Payment Due (less the Amount Over Credit Limit shown on your billing statement) by the payment due date. The fee will not exceed the amount permitted by law. We add this fee to the regular purchase balance. Foreign Currency Conversion Foreign Currency Conversion — Purchases. A card network converts the amount of a purchase in a foreign currency into U.S. dollars. Each card network follows its own procedures for conversion. These procedures include how the card network chooses an exchange rate and when to do the conversion. For example, Visa chooses either a government-mandated exchange rate or chooses from a range of rates available on wholesale currency markets (and, in either case, the exchange rate that it chooses may be less favorable than the rate that Visa itself receives when it makes foreign currency transactions). Depending on the policies of each card network, the exchange rate chosen may be the one in effect on the day the card network does the conversion, or on the day before. The exchange rate that a card network uses to convert the purchase to U.S. dollars may differ from the rate in effect on the date you made the purchase or on the post date for that purchase shown on your statement. The card network’s procedures may change without notice. If a third party, such as a merchant, converts the amount of a purchase into U.S. dollars before sending the purchase to a card network, the third party chooses the conversion rate instead of the card network. Foreign Currency Conversion — Cash Advances. If you take a cash advance in a foreign currency at an ATM or branch of a financial institution, it may not be the card network in all instances that converts the transaction into U.S. dollars. Instead, depending on where the transaction takes place, another third party, such as a financial institution, ATM network, or ATM operator, may do the conversion. We do not control this. However, if you use your card for a cash advance at a Citibank ATM or branch, then we or our affiliates may do the conversion. The party that converts a cash advance to U.S. dollars will choose the exchange rate and when to do the conversion. The exchange rate in effect on the date the cash advance is converted to U.S. dollars may differ from the rate in effect on the date you took the cash advance or the post date for that transaction shown on your statement. The exchange rate may also differ from any rate quoted to you when you made the transaction. Payment Instructions. We credit your payments in accordance with our payment instructions on the billing statement. You must pay us in U.S. dollars. To do so, you must use a check, similar instrument, or electronic debit that is drawn on and honored by a bank in the U.S. Do not send cash. We can accept late or partial payments, or payments that reflect “paid in full” or other restrictive endorsements, without losing our rights. We also reserve the right to accept payments made in foreign currency and instruments drawn on funds on deposit outside the U.S. If we do, we select the currency conversion rate. We will then credit your account in U.S. dollars after deducting any costs incurred in processing your payment. Or we may bill you separately for these costs. Credit Reporting Application of Payments. Payments in excess of the Minimum Payment Due are applied in accordance with law. This means that we will generally apply payments in excess of the Minimum Payment Due to higher APR balances first. However, excess payments received before a deferred interest promotion expires are applied to the deferred interest promotional balance first in the last two billing cycles of the promotional period. And, if the expiration date of a deferred interest promotion is before the payment due date in the billing cycle in which the deferred interest promotion expires, excess payments received before the deferred interest promotion expires are applied to the deferred interest promotional balance first in the last three billing cycles of the promotional period. Payments equal to or less than the Minimum Payment Due and credits are applied at our discretion and you authorize us to apply payments and credits in a way that is most favorable or convenient for us. This may include applying such payments and credits to lower APR balances first. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We may report account information in your name and the names of authorized users. We may also obtain follow-up credit reports on you. If you think we reported incorrect information to a credit bureau, write us at the Customer Service address on the billing statement. We will investigate the matter. We will then tell you if we agree or disagree with you. If we agree with you, we will contact each credit bureau to which we reported and request a correction. If we disagree with you, we will tell you that. Information Sharing You authorize us to share information about you as permitted by law. This includes information we get from you and others. It also includes information about your transactions with us. Please see our Privacy Notice for details about our information sharing practices. Changes to this Agreement We may change the rates, fees, and terms of this Agreement from time to time as permitted by law. The changes may add, replace, or remove provisions of this Agreement. We will give you advance written notice of the changes and a right to opt out to the extent required by law. Default You default under this Agreement if you fail to pay the Minimum Payment Due by its due date; go over your credit limit; pay by a check or similar instrument that is not honored or that we must return because it cannot be processed; pay by electronic debit that is returned unpaid; file for bankruptcy; or fail to comply with the terms of this Agreement. If you default, we may close your account and, to the extent permitted by law, demand immediate payment of the total balance. Refusal of the Card, Closed Accounts, and Related Provisions Refusal of the Card. We do not guarantee approval of transactions. We are not liable for transactions that are not approved. That is true even if you have enough credit. We may limit the number of transactions approved in one day. If we detect unusual or suspicious activity, we may suspend your credit privileges. Preauthorized Charges. We may suspend any automatic or other preauthorized card charges you arrange with a third party. We may Arbitration limits • Individual Claims filed in a small claims court are not subject to arbitration, as long as the matter stays in small claims court. • We won’t initiate arbitration to collect a debt from you unless you choose to arbitrate or assert a Claim against us. If you assert a Claim against us, we can choose to arbitrate, including actions to collect a debt from you. You may arbitrate on an individual basis Claims brought against you, including Claims to collect a debt. • Claims brought as part of a class action, private attorney general or other representative action can be arbitrated only on an individual basis. The arbitrator has no authority to arbitrate any claim on a class or representative basis and may award relief only on an individual basis. If arbitration is chosen by any party, neither you nor we may pursue a Claim as part of a class action or other representative action. Claims of 2 or more persons may not be combined in the same arbitration. However, applicants, co-applicants, authorized users on a single account and/or related accounts, or corporate affiliates are here considered as one person. How arbitration works • Arbitration shall be conducted by the American Arbitration Association (“AAA”) according to this arbitration provision and the applicable AAA arbitration rules in effect when the claim is filed (“AAA Rules”), except where those rules conflict with this arbitration provision. You can obtain copies of the AAA Rules at the AAA’s website (www.adr.org) or by calling 800-778-7879. You or we may choose to have a hearing, appear at any hearing by phone or other electronic means, and/or be represented by counsel. Any in-person hearing will be held in the same city as the U.S. District Court closest to your billing address. • Arbitration may be requested any time, even where there is a pending lawsuit, unless a trial has begun or a final judgment entered. Neither you nor we waive the right to arbitrate by filing or serving a complaint, answer, counterclaim, motion, or discovery in a court lawsuit. To choose arbitration, a party may file a motion to compel arbitration in a pending matter and/or commence arbitration by submitting the required AAA forms and requisite filing fees to the AAA. • The arbitration shall be conducted by a single arbitrator in accord with this arbitration provision and the AAA Rules, which may limit discovery. The arbitrator shall not apply any federal or state rules of civil procedure for discovery, but the arbitrator shall honor claims of privilege recognized at law and shall take reasonable steps to protect account information and other confidential information of either party if requested to do so. The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statute of limitations, and may award damages or other relief under applicable law. Otherwise, arbitration fees will be allocated according to the applicable AAA Rules. If we prevail, we may not recover our arbitration fees, unless the arbitrator decides your Claim was frivolous. All parties are responsible for their own attorneys’ fees, expert fees and any other expenses, unless the arbitrator awards such fees or expenses to you or us based on applicable law. The final award • Any award by an arbitrator is final unless a party appeals it in writing to the AAA within 30 days of notice of the award. The arbitration appeal shall be determined by a panel of 3 arbitrators. The panel will consider all facts and legal issues anew based on the same evidence presented in the prior arbitration, and will make decisions based on a majority vote. Arbitration fees for the arbitration appeal shall be allocated according to the applicable AAA Rules. An award by a panel on appeal is final. A final award is subject to judicial review as provided by applicable law. Survival and Severability of Terms This arbitration provision shall survive changes in this Agreement and termination of the account or the relationship between you and us, including the bankruptcy of any party and any sale of your account, or amounts owed on your account, to another person or entity. If any part of this arbitration provision is deemed invalid or unenforceable, the other terms shall remain in force, except that there can be no arbitration of a class or representative Claim. This arbitration provision may not be amended, severed or waived, except as provided in this Agreement or in a written agreement between you and us. Paying for arbitration fees • We will pay your share of the arbitration fee for an arbitration of Claims of $75,000 or less if they are unrelated to debt collection. Governing Law and Enforcing our Rights Governing Law. Federal law and the law of South Dakota, where we are located, govern the terms and enforcement of this Agreement. Enforcing this Agreement. We will not lose our rights under this Agreement because we delay in enforcing them or fail to enforce them. Collection Costs. To the extent permitted by law, you are liable to us for our legal costs if we refer collection of your account to a lawyer who is not our salaried employee. These costs may include reasonable attorneys’ fees. They may also include costs and expenses of any legal action. Assignment. We may assign any or all of our rights and obligations under this Agreement to a third party. For Further Information Call us toll-free for further information. Call the toll-free Customer Service telephone number shown on the billing statement or on the back of your card. You can also call local or toll-free Directory Assistance to get our telephone number. Your Billing Rights: Keep this Document for Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at the address for billing inquiries and correspondence shown on the front of your statement. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after the error appeared on your statement. • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: • If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address for billing inquiries and correspondence shown on the front of your statement. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. Fact Sheet Pricing Information Table Interest Rates and Interest Charges <table> <tr> <th>Interest Rates and Interest Charges</th> <th></th> </tr> <tr> <td>Annual Percentage Rate (APR) for Purchases</td> <td>29.99% This APR will vary with the market based on the Prime Rate. 11.90% for select purchases eligible for the 48 month reduced rate credit plan 0% - 11.99% for select purchases eligible for the 24 month reduced rate credit plan (available after June 30, 2020) 8.99% - 12.99% for select purchases eligible for the 36 month reduced rate credit plan (available after June 30, 2020) </td> </tr> <tr> <td>Annual Percentage Rate for Balance Transfers</td> <td>29.99% This APR will vary with the market based on the Prime Rate. </td> </tr> <tr> <td>APR for Cash Advances</td> <td>29.99%* This APR will vary with the market based on the Prime Rate. *This variable APR will not exceed 29.99%. </td> </tr> <tr> <td>Paying Interest</td> <td>Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. </td> </tr> <tr> <td>Minimum Interest Charge</td> <td>If you are charged interest, the charge will be no less than $1. </td> </tr> <tr> <td>How We Calculate Your Balance</td> <td>Daily Balance (including current transactions) </td> </tr> </table> Fees <table> <tr> <th>Fees</th> <th></th> </tr> <tr> <td>Annual Fee</td> <td>None </td> </tr> <tr> <td>Transaction Fees<br>• Balance Transfer<br>• Cash Advance</td> <td>Either $15 or 5% of the amount of each transfer, whichever is greater.<br>Either $10 or 5% of the amount of each cash advance, whichever is greater. </td> </tr> <tr> <td>Penalty Fees<br>• Late Payment</td> <td>The fee will be $29; or $40 for any additional past due payment during the next six billing cycles after a past due payment. However, the fee will not exceed the amount permitted by law. </td> </tr> </table> <table> <tr> <th>Details About Your Interest Rates and Interest Calculations</th> <th>Periodic Rate as of 09/24/2024</th> <th>For variable rates: U.S. Prime Rate Plus</th> </tr> <tr> <td>Regular Purchases</td> <td>0.08216% (D)</td> <td>21.99%</td> </tr> <tr> <td>48 Month Reduced Rate Credit Plan Purchases at 11.90%</td> <td>0.03260% (D)</td> <td>N/A</td> </tr> <tr> <td>24 Month Reduced Rate Credit Plan Purchases at 0%</td> <td>0.00000% (D)</td> <td>N/A</td> </tr> <tr> <td>24 Month Reduced Rate Credit Plan Purchases at 7.99%</td> <td>0.02189% (D)</td> <td>N/A</td> </tr> <tr> <td>24 Month Reduced Rate Credit Plan Purchases at 11.99%</td> <td>0.03284% (D)</td> <td>N/A</td> </tr> <tr> <td>36 Month Reduced Rate Credit Plan Purchases at 8.99%</td> <td>0.02463% (D)</td> <td>N/A</td> </tr> <tr> <td>36 Month Reduced Rate Credit Plan Purchases at 12.99%</td> <td>0.03558% (D)</td> <td>N/A</td> </tr> <tr> <td>Balance Transfers</td> <td>0.08216% (D)</td> <td>21.99%</td> </tr> <tr> <td>Regular Cash Advances*</td> <td>0.08216% (D)</td> <td>24.74%</td> </tr> </table> (D) = Daily periodic rate. A daily periodic rate is the APR divided by 365. *This variable APR will not exceed 29.99%. Variable APRs Based on Prime. If any APR is based on the U.S. Prime Rate ("Prime Rate"), the APR will equal the Prime Rate plus the additional amount shown above. If the Prime Rate increases, it will cause the APR to increase. If the Prime Rate decreases, it will cause the APR to decrease. For each billing cycle we use the Prime Rate published in The Wall Street Journal two business days before the Statement Closing Date. If the Prime Rate causes an APR to change, we put the new APR into effect as of the first day of the billing cycle for which we calculate the APR. We apply the new APR to any existing balances, subject to any promotional rate that may apply. If The Wall Street Journal does not publish the Prime Rate, we will use a similar published rate. Effect of APR Increases. If an APR increases, interest charges increase. Your minimum payment may increase as well. Daily Balance (including current transactions). We calculate the daily balance for each of your different balances. To get a daily balance, we take the balance at the end of the previous day, add the interest on the previous day’s balance and new charges, and subtract new credits or payments. We figure the interest charge by multiplying the daily balance by its daily periodic rate each day in the billing cycle. We then add up all the daily interest charges and the total is the interest charge for the billing cycle. Variable Terms Information Making Payments. You may pay all or part of your account balance at any time. However, you must pay at least the Minimum Payment Due by the payment due date each billing cycle. The sooner you pay the New Balance, the less you will pay in interest charges. To calculate the Minimum Payment Due, we begin with any past due amount. We add any amount in excess of your credit limit. We add the amount due on each reduced rate credit plan balance. We add any additional amount specified in a promotional offer. We add any amount required by the Promotion Calculation. We also add the largest of the following: • The Calculated New Balance if it is less than $29; • $29 if the Calculated New Balance is at least $29; or • 1% of the Calculated New Balance plus the amount of your billed interest charges on that balance, any minimum interest charge allocated to that balance, and any applicable late fee (the result is rounded up to the nearest dollar). However, we subtract interest charges that accrued during prior billing cycles on a deferred interest balance that ended during the billing cycle covered by the statement. The Calculated New Balance equals the New Balance on the billing statement less any balances subject to a reduced rate credit plan, the Promotion Calculation, or to either of two types of promotional terms. The first type are terms that do not require a minimum payment. The second type are terms that require an additional amount as part of the Minimum Payment Due. The amount due on a reduced rate credit plan balance is the smaller of: • The Repayment Percentage times the reduced rate credit plan’s Highest Balance plus any credit protection or credit insurance fee allocated to that balance. (The result is rounded up to the nearest dollar.) Or • The reduced rate credit plan’s balance on the Statement Closing Date. For each reduced rate credit plan balance, the Highest Balance is the highest reduced rate credit plan balance on a Statement Closing Date, less any credit protection or credit insurance fee allocated to that balance for that cycle, since the last time that balance was zero. The balance is zero at account opening. The Repayment Percentage for each reduced rate credit plan is as follows: • 24 month plan with an APR of 0%: 4.1667%. • 24 month plan with an APR of 7.99%: 4.5223%. • 24 month plan with an APR of 11.99%: 4.7069%. • 36 month plan with an APR of 8.99%: 3.1795%. • 36 month plan with an APR of 12.99%: 3.3689%. • 48 month plan with an APR of 11.90%: 2.6285%. If you have a deferred interest transaction balance subject to the Promotion Calculation, the Promotion Calculation will equal 1% of this balance during the promotion period. (The result is rounded up to the nearest cent.) After the promotion period, any such remaining promotional balance will be included in the Calculated New Balance. The Promotion Calculation will apply if, based on the amount of the transaction as shown on the first statement that displays the transaction and the dollar amount in the Minimum Payment Due calculation in effect at the time of the transaction, we determined that paying such dollar amount each billing cycle would result in repayment of the promotional balance before the end of the promotion period. The Minimum Payment Due may reflect adjustments to the New Balance. The Minimum Payment Due is never more than the Calculated New Balance plus three amounts. The first is any amount required by a reduced rate credit plan. The second is any amount required by a promotional offer. The third is any amount required by the Promotion Calculation. BILL OF SALE AND ASSIGNMENT October 2022 Best Buy Fresh Flow Accounts THIS BILL OF SALE AND ASSIGNMENT dated January 27, 2025, is by Citibank, N.A., a national banking association organized under the laws of the United States, located at 5800 South Corporate Place, Sioux Falls, SD 57108 (the "Bank") to Portfolio Recovery Associates, LLC ("Buyer"), organized under the laws of the State of Delaware, with its headquarters/principal place of business at 120 Corporate Boulevard, Norfolk, VA 23502. ("Buyer"). For value received and subject to the terms and conditions of the Master Purchase and Sale Agreement dated July 31, 2023 and Addendum No. 6 dated July 31, 2023, between Buyer and the Bank as amended, restated, or otherwise modified from time to time (the "Agreement"), the Bank does hereby transfer, sell, assign, convey, grant, bargain, set over and deliver to Buyer, and to Buyer's successors and assigns, the Accounts described in Exhibit 1 and the final electronic file and identified as PRA-Best-Buy-Fresh-Flow-0125. Citibank, N.A. By: [Signature] Name: Brandy Reardon Title: Authorized Party Portfolio Recovery Associates, LLC By: [Signature] Name: Leigh Bates Title: Senior Vice President Exhibit 1 Asset Schedule The individual Accounts transferred are described in the final electronic file and delivered by the Bank to Buyer, the same deemed attached hereto by this reference. <table> <tr> <th>Lot</th> <th>Sale ID</th> <th># of Accounts</th> <th>Sale Balance</th> <th>Cut-Off Date</th> </tr> <tr> <td>Best Buy Fresh Flow</td> <td>010925PR1BB1FM</td> <td>[Blacked Out]</td> <td>[Blacked Out]</td> <td>1/9/2025</td> </tr> </table> AFFIDAVIT OF SALE OF ACCOUNTS State of Missouri County of Platte Terri Bergman, being duly sworn, deposes and says: I am an authorized employee of Citibank, N.A. ("CBNA") located at 5800 South Corporate Place, Sioux Falls, SD 57108, am authorized to make the statements and representations herein and I am over 18 years of age. In this position, I have access to the creditor’s books and records and am aware of the process of the sale of accounts and electronic storage of business records. Original Creditor's records were made and kept in the regular course of business by, or from information transmitted by, a person with knowledge and it was the regular course of such business to make and keep the records in the course of a regularly conducted business activity. The records were made at or near the time of the events recorded. Based on my review of Original Creditor's books and records, I have personal knowledge of the facts set forth in this affidavit. On or about January 27, 2025, CBNA sold a pool of charged-off accounts (the Accounts) by a Master Purchase and Sale Agreement dated July 31, 2023, Bill of Sale, and Addendum No. 6 dated July 31, 2023 to Portfolio Recovery Associates, LLC. As part of the sale of the Accounts, certain electronic records were transferred on individual accounts to the debt buyer. These records were kept in the ordinary course of business of creditor. I am not aware of any errors in the information provided about the Accounts. The above statements are true to the best of my knowledge. Executed on January 29, 2025. ______________________________ (Signature) __________________________________________ Terri Bergman Printed Name State of Missouri ) ) ss County of Platte ) On this 29 day of Jan, 2025, before me, the undersigned notary, personally appeared Terri Bergman , personally known to me to be the person who signed the preceding or attached document in my presence and who swore or affirmed to me that the contents of the document are truthful and accurate to the best of his/her knowledge and belief. [SEAL] CAROLYN E. HUGHES Notary Public - Notary Seal Jackson County - State of Missouri Commission Number 14927304 My Commission Expires Jan 26, 2026 DECLARATION OF CUSTODIAN OF RECORDS I, the undersigned Custodian of Records for Portfolio Recovery Associates, LLC, hereby declare, certify, and state as follows: 1. I am competent to testify to the matters contained herein. 2. I am an authorized employee of Portfolio Recovery Associates, LLC, ("Account Assignee") which is doing business at Riverside Commerce Center, 120 Corporate Boulevard, Norfolk, Virginia, and I am authorized to make the statements, representations and averments herein, and do so based upon a review of the business records of the Original Creditor CITIBANK, N.A./BEST BUY and those records transferred to Account Assignee from CITIBANK, N.A. ("Account Seller"), which have become a part of and have integrated into Account Assignee’s business records, in the ordinary course of business. 3. According to the business records, which are maintained in the ordinary course of business, the account, and all proceeds of the account are now owned by the Account Assignee, all of the Account Seller’s interest in such account having been sold, assigned and transferred by the Account Seller on 1/27/2025. Further, the Account Assignee has been assigned all of the Account Seller’s power and authority to do and perform all acts necessary for the settlement, satisfaction, compromise, collection or adjustment of said account, and the Account Seller has retained no further interest in said account or the proceeds thereof, for any purpose whatsoever. 4. According to the records transferred to the Account Assignee from Account Seller, and maintained in the ordinary course of business by the Account Assignee, there was due and payable from ERIC K GEORGE ("Debtor and Co-Debtor") to the Account Seller the sum of $3,459.05 with the respect to account number ending in 4383 as of the date of 11/26/2024 with there being no known un-credited payments, counterclaims or offsets against the said debt as of the date of the sale. 5. According to the account records of said Account Assignee, after all known payments, counterclaims, and/or setoffs occurring subsequent to the date of sale, Account Assignee claims the sum of $3,459.05 as due and owing as of the date of this declaration. 6. Plaintiff believes that the defendant is not a minor or an incompetent individual and declares that the Defendant is not on active military service of the United States. 7. I declare under penalty of perjury under the laws of the State of Oklahoma that the foregoing is true and correct. Executed on ________9/29/2025___________ at Norfolk, VA Portfolio Recovery Associates, LLC By: __________Tanisha Gatewood______________, Custodian of Records