Jefferson Capital Systems LLC v. Darrell J Doeing

IN THE DISTRICT COURT OF CANADIAN COUNTY, STATE OF OKLAHOMA JEFFERSON CAPITAL SYSTEMS LLC Plaintiff, -vs- DARRELL J DOEING Defendant(s). FILED DISTRICT COURT CANADIAN COUNTY, OKLAHOMA March 18, 2026 3:55 PM HOLLY EATON, COURT CLERK Case Number CS-2026-671 Case No. PETITION FOR MONEY DUE FOR BREACH OF REVOLVING CREDIT CHARGE AGREEMENT Count I—Breach of Contract COMES NOW the Plaintiff and for its cause of action against the Defendant(s) states as follows: 1. That Plaintiff is a LIMITED LIABILITY COMPANY organized and existing under the laws of MINNESOTA; the debt sued upon arose in and Plaintiff's cause of action accrued in the State of Oklahoma. 2. That at least one of the Defendant(s) reside(s) in or may be found in CANADIAN County, Oklahoma and within the venue of this court. 3. Plaintiff is the holder of the Revolving Credit Charge Agreement ("Agreement") sued upon herein by virtue of the sale and assignment of said Agreement from TRANSPORTATION ALLIANCE BANK INC DBA TAB BANK to various parties including and ultimately to Plaintiff. 4. That Defendant(s) was/were issued a credit account pursuant to the Defendant’s Agreement with TRANSPORTATION ALLIANCE BANK INC DBA TAB BANK. 5. That Defendant either made written application to TRANSPORTATION ALLIANCE BANK INC DBA TAB BANK for said credit card, or signed various credit charge slips, or both, thereby agreeing in writing to the terms and conditions of said Agreement. 6. That the Defendant(s) did utilize said credit or allow it to be used in the purchase of goods and services at various locations and thereby agreed to the terms and conditions of said Agreement at the time it was issued to Defendant(s) 7. That as a result of the use of said credit by Defendant(s), the Defendant(s) did accrue certain indebtedness on said revolving credit charge account pursuant to the Agreement. 8. That TRANSPORTATION ALLIANCE BANK INC DBA TAB BANK fully performed under the terms of the Agreement. 9. That in accord with normal business practices, TRANSPORTATION ALLIANCE BANK INC DBA TAB BANK mailed itemized monthly billing statements to Defendant. Defendant did not object to any of the charges made on the monthly statements at issue herein, in writing, for over sixty (60) days. 10. That Defendant accepted the charges shown on the monthly billing statements as demonstrated by Defendant’s continued use of the account, payments made on the account, and the absence of any attempt to cancel the agreement between Defendant and TRANSPORTATION ALLIANCE BANK INC DBA TAB BANK despite having received the monthly billing statements for several months. 11. That Defendant(s) failed to perform under the terms of the revolving retail credit charge agreement and is therefore in breach. 12. That as a direct and proximate result of Defendant’s breach, TRANSPORTATION ALLIANCE BANK INC DBA TAB BANK was damaged in the amount claimed of $1296.98. 13. Pursuant to Oklahoma statute, Plaintiff is entitled to reasonable attorney fees. 14. That Plaintiff, the current owner of the Agreement, has made demand upon the Defendant(s) for payment of the same, but the Defendant(s) failed and/or refused to pay. 15. Pursuant to the SCRA §201(b)(4), Plaintiff declares under penalty of perjury that Defendant(s) DARRELL J DOEING is/are not in the Armed Forces for the United States, verified on 03/11/2026 via the U.S. Department of Defense website. WHEREFORE, Plaintiff prays for Judgment against Defendant(s) in the amount of: Amount claimed: $1296.98; Interest: at the rate of 8.75% per annum from the date of Judgment until paid; Attorney fees; All costs herein expended, including but not limited to court costs, sheriff’s fees, and any fees for service of the summons. Count II—Suit On Account COMES NOW the Plaintiff and pleads in the alternative for its cause of action against the Defendant(s) and states as follows: 1. Plaintiff restates and re-alleges each and every paragraph of Count I as if fully set forth herein. 2. That Plaintiff is a LIMITED LIABILITY COMPANY organized and existing under the laws of MINNESOTA. 3. That the cause of action herein accrued under the laws of the State of Oklahoma; at least one of the Defendant(s) reside(s) in or may be found in CANADIAN County, Oklahoma and within the venue of this court. 4. That Defendant(s) is/are presently indebted on the account and claim herein in the amount claimed of $1296.98 for credit extended by TRANSPORTATION ALLIANCE BANK INC DBA TAB BANK and used by the Defendant to purchase goods and/or services, hereinafter referred to as “items.” 5. That all sums owed to TRANSPORTATION ALLIANCE BANK INC DBA TAB BANK are now due to the Plaintiff by virtue of assignment of said debt from TRANSPORTATION ALLIANCE BANK INC DBA TAB BANK to various parties and ultimately to the Plaintiff. 6. That said credit was provided at the instance, request, and/or authorization of said Defendant(s). 7. That the prices charged for the extension of credit for the Defendant to purchase such items are and were in each case reasonable; that said prices were the amounts specifically agreed upon between TRANSPORTATION ALLIANCE BANK INC DBA TAB BANK and Defendant(s), or in the alternative the usual and customary charges of TRANSPORTATION ALLIANCE BANK INC DBA TAB BANK. 8. That Defendant(s) expressly, or in the alternative impliedly, promised and agreed to pay for said credit charges when due. 9. Pursuant to Oklahoma statute, Plaintiff is entitled to reasonable attorney fees. 10. That Plaintiff, the current owner of the Agreement, has made demand upon the Defendant(s) for payment of the same, but the Defendant(s) failed and/or refused to pay. 11. Pursuant to the SCRA §201(b)(4), Plaintiff declares under penalty of perjury that Defendant(s) DARRELL J DOEING is/are not in the Armed Forces for the United States, verified on 03/11/2026 via the U.S. Department of Defense website. WHEREFORE, Plaintiff prays for Judgment against Defendant(s) in the amount of: Amount claimed: $1296.98; Interest: at the rate of 8.75% per annum from the date of Judgment until paid; Attorney fees; All costs herein expended, including but not limited to court costs, sheriff’s fees, and any fees for service of summons. Count III—Quantum Meruit COMES NOW the Plaintiff and pleads in the alternative for its cause of action against the Defendant(s) and states as follows: 1. Plaintiff restates and re-alleges each and every paragraph of Count I and Count II as if fully set forth herein. 2. That Plaintiff is a LIMITED LIABILITY COMPANY organized and existing under the laws of MINNESOTA. 3. That the cause of action herein accrued under the laws of the State of Oklahoma; at least one of the Defendant(s) reside(s) in or may be found in CANADIAN County, Oklahoma and within the venue of this court. 4. That Defendant(s) is/are presently indebted on the account and claim herein in the amount claimed of $1296.98 for credit extended by TRANSPORTATION ALLIANCE BANK INC DBA TAB BANK and used by the Defendant to purchase goods and/or services, hereinafter referred to as “items.” 5. That the credit issued to Defendant to purchase said items was provided to and for Defendant(s). 6. That said credit was provided at the instance, request, and/or authorization of said Defendant(s). 7. That the prices charged for the extension of credit items are and were in each case reasonable; that said prices were the amounts specifically agreed upon between Creditor and Defendant(s), or in the alternative the usual and customary charges of said Creditor. 8. That Defendant(s) expressly, or in the alternative impliedly, promised and agreed to pay for said extension of credit immediately upon the providing thereof or promptly thereafter. 9. That Creditor has, by virtue of Sale and Assignment, transferred all causes of action against Defendant related to the facts and issues set forth herein to various parties including and ultimately to Plaintiff.. 10. Pursuant to Oklahoma statute, Plaintiff is entitled to reasonable attorney fees. 11. That Plaintiff, the current owner of the Cause of Action, has made demand upon the Defendant(s) for payment of the same, but the Defendant(s) failed and/or refused to pay. 12. Pursuant to the SCRA §201(b)(4), Plaintiff declares under penalty of perjury that Defendant(s) DARRELL J DOEING is/are not in the Armed Forces for the United States, verified on 03/11/2026 via the U.S. Department of Defense website. WHEREFORE, Plaintiff prays for Judgment against Defendant(s) in the amount of: Amount claimed: $1296.98; Interest: at the rate of 8.75% per annum from the date of Judgment until paid; Attorney fees; All costs herein expended, including but not limited to court costs, sheriff’s fees and any fees for service of the summons. Respectfully Submitted, FABER AND BRAND L.L.C. BY: /s/ Michael L. Foster Michael L. Foster OK #20701 Jason P. Gubbins OK #22576 James M. Mucklestone OK #36520 P.O. Box 10110 Columbia, Missouri 65205-4000 (888) 233-3141 (573) 442-1072 FAX [email protected] ATTORNEY FOR PLAINTIFF THIS IS A COMMUNICATION FROM A DEBT COLLECTOR IN AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. F&B Acct. No: 582147 Affidavit of Account STATE OF MINNESOTA COUNTY OF BENTON Before me, the undersigned authority, personally appeared the individual whose name is subscribed below, and who, being by me duly sworn, deposed as follows: 1. "My name is Vanessa Janssen. I am of sound mind, over the age of eighteen (18), have never been convicted of a felony or crime involving moral turpitude, and am capable of making this affidavit. I have personal knowledge of the facts herein stated as more fully set forth below." 2. "I am an Authorized Representative of Jefferson Capital Systems, LLC and in that capacity act as a Custodian of Records. These records are kept in the ordinary course of business. This affidavit pertains to the collection of a MISSION LANE CREDIT CARD account number XXX8068, (the "Account") owed by DARRELL J DOEING the "Defendant(s)."" 3. "Jefferson Capital Systems, LLC has acquired the Account pursuant to an assignment and is the owner and beneficiary of all rights, title and interest with regard to the Account, including the outstanding balance of the Account and any accrued interest thereon. The information transmitted to Jefferson Capital Systems, LLC in connection with its acquisition of the Account specifically described: (1) the obligation of the Defendant with regard to the Account, (2) the open date of the Account, (3) the charge-off balance of the Account after all payments, credits and offsets had been applied, (4) the applicable rate at which interest continues to accrue on the Account, and (5) other usage and identification information related to both the Defendant and to the Account. My testimony herein is based upon that information." 4. "On or about 11/10/2021, the Defendant made application to open the Account. Thereafter, the Defendant utilized the Account, or the proceeds thereof, and became obligated to repay the Account pursuant to its terms." 5. "The Defendant did not repay the Account and ceased making payments on the Account. The last payment date was 12/18/2023." 6. "The Account was ultimately closed and charged-off, at which time there remained a balance due and owing on the Account that the Defendant has not paid." 7. "As of 12/22/2025, the reference date of this affidavit, the amount due and owing on the Account, after all just and lawful offsets, payments, and credits had been allowed, is $1,296.98." Vanessa Janssen Custodian of Records SUBSCRIBED AND SWORN before me on ____________________________, FABIOLA KARINA GONZALEZ NOTARY PUBLIC - MINNESOTA My Comm. Exp. Jan. 31, 2030 CHARGED-OFF ACCOUNTS ASSIGNMENT TRANSPORTATION ALLIANCE BANK INC. dba TAB BANK, a Utah commercial bank ("Bank"), hereby transfers, assigns, sets-over and conveys to MISSION LANE LLC, a Utah limited liability company ("Mission Lane"), without recourse and without representations or warranties, express or implied, of any type, kind or nature except as set forth in the Agreement (defined below): (a) All of Bank’s right, title and interest in and to each of the Charged-Off Accounts identified in the Account schedule attached hereto as Exhibit A. The effective date of the transfer and assignment from Bank shall be as of the respective “transfer date” for each such Charged-Off Account listed in the attached Account schedule. This Charged-Off Accounts Assignment (the “Assignment”) is being executed and delivered pursuant to and in accordance with the terms of that certain Amended and Restated Receivables Sale Agreement dated June 13, 2025 (the “Agreement”). The Charged-Off Accounts are defined and described in the Agreement and are being conveyed hereby subject to the terms, conditions and provisions set forth in the Agreement. By this Assignment, Mission Lane represents and warrants that, in connection with the transfer of the Charged-Off Accounts, it will take reasonable steps to oversee and review third party collectors to ensure they comply with the laws and regulations applicable to the Charged-Off Accounts. IN WITNESS WHEREOF, the Parties have caused this Assignment to be executed by their duly authorized officers as of September 23, 2025. TRANSPORTATION ALLIANCE BANK INC. By: Matthew Brunson Title: Senior Vice President MISSION LANE LLC By: Lisa Fischer Title: Lisa Fischer Exhibit 7 to Credit Card Accounts Sale Agreement #6 AFFIDAVIT OF SALE OF POOL OF ACCOUNTS BY CREDITOR State of Virginia, City/County of Richmond. David Bader being duly sworn, deposes and says: 1. I am over 18 years of age and not a party to this action. 2. I am the Director of CIR Strategy & Analysis (title) of Mission Lane LLC ("Creditor"), located at 1504 Belleville Street, Richmond, Virginia 23230. In that position, I am a Custodian of Records for Credit and am familiar with Creditor's business practices and procedures for creating, maintaining, and storing of Creditor's business records relating to the Accounts (as such term is defined below). I have the authority to make this Affidavit on behalf of Creditor. 3. In my capacity as Custodian of Records, I have knowledge of and access to creditor's books and records, including electronic records. 4. Creditor was the servicer of the Accounts and maintained the system of record on behalf of Transportation Alliance Bank Inc d/b/a TAB Bank ("Bank") from the origination of the Accounts by Bank through Bank's assignment of the Accounts to Creditor and until Creditor sold the Accounts to Jefferson Capital Systems, LLC. 5. In my capacity as Custodian of Records, I further attest: a. I have knowledge of Creditor's procedures for creating and maintaining its books and records. b. All records attached to this Affidavit were made at or near the time of the occurrence of the matter set forth, by, or from information transmitted by, a person with knowledge of those matters; c. Such records were kept in the ordinary course of a regularly conducted business activity of Creditor; and d. Such records were made by Creditor as a regular practice. 6. Based on my review of Creditor's books and records, I have knowledge of the facts set forth in this Affidavit. On or about September 23, 2025, Creditor sold a pool of charged-off credit card Accounts (the "Accounts") to Jefferson Capital Systems, LLC ("Debt Buyer"). As part of the sale of the Accounts, electronic records and other records were transferred on individual Accounts to the Debt Buyer. These records were kept in the ordinary course of business of Creditor. I am not aware of any errors in the records being provided for these Accounts as of the date of this Affidavit. The above statements are true and correct to the best of my knowledge. SIGNATURE PAGE TO FOLLOW Signed this 23rd day of September, 2025. (Named of Affiant) Sworn before me this 23rd day of September, 2025. (Notary Stamp) My Commission Expires Exhibit 1 to Credit Card Accounts Sale Agreement #6 PORTFOLIO LEVEL BILL OF SALE Closing Date: September 23, 2025 For value received and pursuant to the terms and conditions of the Credit Card Accounts Sale Agreement, dated as of September 22, 2025 (the “Sale Agreement”), Mission Lane LLC, a Utah limited liability company (“Seller”), hereby sells, transfers and assigns effective as of the 23rd day of September, 2025 all rights, title and interest in and to those certain Accounts and all related receivables, judgments or evidences of debt described in the electronic file named “20250922_JeffersonCapitalSystemsLLC_13-24_MissionLaneLLC_FinalSaleFile.csv”, delivered to Buyer on or about September 17, 2025 (the “Sale File”), and attached hereto and made part hereof for all purposes to Jefferson Capital Systems, LLC, a Georgia limited liability company (“Buyer”). Each of the Accounts included in the Sale File is owned by the Seller named in such Sale File and is currently serviced by Seller. The sale of such Accounts has been duly authorized by Seller under the terms of the Sale Agreement. MISSION LANE LLC, as SELLER DocuSigned by: By: Lisa Fischer Date: 9/23/2025 Title: Chief Analytics and Lending Officer Mission Lane DARRELL J DOEING Account Number: #### #### #### 8068 Statement Billing Period: June 5, 2024 - July 4, 2024 Summary of Account Activity <table> <tr> <th>Previous Balance</th> <td>$ 1,260.08</td> </tr> <tr> <th>Past Due Amount</th> <td>368.07</td> </tr> <tr> <th>Over Limit Amount</th> <td>196.98</td> </tr> <tr> <th>Payments</th> <td>0.00</td> </tr> <tr> <th>Other Credits</th> <td>0.00</td> </tr> <tr> <th>Other Debits</th> <td>0.00</td> </tr> <tr> <th>Purchases</th> <td>0.00</td> </tr> <tr> <th>Cash Advances</th> <td>0.00</td> </tr> <tr> <th>Fees Charged</th> <td>0.00</td> </tr> <tr> <th>Interest Charged</th> <td>36.90</td> </tr> <tr> <th>NEW BALANCE</th> <td>$ 1,296.98</td> </tr> <tr> <th>Credit Limit</th> <td>$ 1,100.00</td> </tr> <tr> <th>Available Credit</th> <td>0.00</td> </tr> <tr> <th>Available Cash</th> <td>0.00</td> </tr> <tr> <th>Statement Closing Date</th> <td>07/04/24</td> </tr> <tr> <th>Days in Billing Cycle</th> <td>30</td> </tr> </table> Payment Information <table> <tr> <th>New Balance</th> <td>$ 1,296.98</td> </tr> <tr> <th>Total Minimum Payment Due</th> <td>$ 417.97</td> </tr> <tr> <th>Payment Due Date</th> <td>08/01/24</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 $ 35.00. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: <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>7 years</td> <td>$ 2,619.00</td> </tr> </table> If you would like information about credit counseling services, call 1-866-791-4360. Contact Information Customer Service (855) 790-8860 Report Lost or Stolen Card (855) 790-8860 Please Mail Your Payments to: PO BOX 23075 COLUMBUS GA 31902-3075 Visit us on the web at: missionlane.com Please send Billing Inquiries and Correspondence to: MISSION LANE LLC PO BOX 105286 ATLANTA, GA 30348-5286 IMPORTANT INFORMATION • The Mission Lane Visa® Credit Card is issued by Transportation Alliance Bank, Inc. dba TAB Bank. Important Information: See your Cardholder Agreement. Your Cardholder Agreement contains the terms of your Account. Lost or Stolen Card. Report immediately Please call (855) 790-8860. About Interest Charges How We Calculate Interest. We calculate it separately for each Balance shown in the Interest Charge Calculation table. We use the daily balance method (including new transactions), which includes daily compounding of interest, to calculate interest on your Account. The Interest Charge Calculation Method applicable to your account for Cash Advances and Purchases of goods and services that you obtain through the use of your Account is specified on the front side of this statement and explained below: Method A - Daily Balance (including new cash advances). The Interest Charge on cash advances begins from the later of the Transaction Date or the first day of the Billing Cycle in which the transaction posts to your Account There is no grace period. Method B - Daily Balance (including new transactions). To avoid incurring additional Interest Charges on the balance of Purchases reflected on your monthly statement and, on any new appearing Purchases on your next monthly statement, you must pay the entire New Balance in full, shown on your monthly statement, on or before the Payment Due Date. We determine the Interest Charge for a billing cycle by multiplying the daily balance by its daily periodic rate each day in the billing period. To get a daily balance, we take the Balance at the end of the previous day, add new charges, subtract new credits or payments, and make adjustments. We then multiply the daily balance for each Balance each day by its daily periodic rate and add all amounts to get the daily balance to get the ending daily balance. The Balance Subject to Interest Rate is the average of the daily balances. For more information on how your daily balance (including new cash advances) is calculated, please refer to your Cardholder Agreement or call our Customer Service Department at (855) 790-8860. Minimum Interest Charge. If we charge interest, it will be at least $0.50. How to Avoid Paying Interest on Purchases. Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest on New Purchases if you pay your New Balance in full by the due date each month. New Purchases are Purchases that first appear on the next billing statement. Interest charges begin to accrue on New Purchases and Cash Advances from the later of the Transaction Date or the first day of the Billing Cycle in which the transaction posts to your Account and continue to accrue until you pay in full and will be billed in the next Billing Cycle. Your Billing Rights 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 shown on the front of this billing statement after the phrase ‘Please send Billing Inquiries...to’. 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 statement, 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 shown on the front of this billing statement following the phrase ‘Please send Billing Inquiries...to’. 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. Other Account and Payment Information 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. Payments must be made in U.S. dollars. 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 or foreign currency will be accepted. • Include your name and the last four digits of your account number. Send only the proper form of payment and the bottom portion of this statement in the envelope provided to the address on the front of the payment coupon, after affixing postage. Payments sent without proper postage will be returned to the sender. If you ask someone else to make a payment on your behalf, we may be able to process that third-party payment. We also may refuse to accept that payment. If we do accept it, you’re responsible for the payment regardless of it being returned or rejected. You must not include any restrictive words, endorsements, conditions, limitations, covenants, or other special instructions such as Paid in Full on your payment or accompanying correspondence. If you include restrictive language, we may reject the payment and/or return it to you. We also may process the payment without losing any of our rights. When Your Payment Will Be Credited. Payments received in proper form at our processing facility by 5:59pm ET, either electronically (e.g. online, by phone, etc.) or by mail at the location specified on the front of the statement after the phrase 'Please Mail Your Payment To', 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 up 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 not sent to the correct address. The correct address for regular mail is the address on the front of the payment coupon. Payments By Mail. If you send an eligible check, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If a payment is processed as an electronic fund transfer, the transfer will be for the amount of the check and funds may be withdrawn from your account as soon as the same day we receive your check. Also, the check will be destroyed. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. For payments by express mail or courier, or for payments including restrictive words, endorsements, conditions, limitations, covenants, or other special instructions covenants, please remit to: Synovus Remittance C/O Renittance Processing Attn: Mission Lane 1137 1st Avenue Columbus, GA 31901 Payments Other Than By Mail: • Online. Go to www.missionlane.com to make or schedule a one-time payment. • Autopay. Go to www.missionlane.com to enroll in AutoPay and have your payment amount automatically deducted each month on your payment date from the payment amount you choose. • Phone. Call the automated phone system at (855) 790-8860. For phone payments, you authorize Mission Lane to electronically debit your specified bank account by an ACH transaction in the amount and on such date that you indicate on the phone. You may cancel a one-time phone payment, or withdraw your authorization for automatic debits, by calling the number on the front of your statement within the timeframe disclosed to you on the phone. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law, or upon request made to the address indicated on the front of this statement after the phrase 'Please send Billing Inquiries and Correspondence'. Annual Membership Fee. Some accounts are charged an Annual 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. At any time, if your balance consists only of the Annual Membership Fee, or fees and interest resulting from the Annual Membership Fee, you may request to close your account, and we will forgive that balance. Credit Reporting. 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 normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write to us at the address shown on the front of this billing statement after the phrase 'Please send Billing Inquiries...to'. AZ Residents. Mission Lane LLC does business in Arizona under the trade name Mission Lane Card Services LLC. Updating Your Name And Address To update your name and address, write to us at the address shown on the front of this billing statement after the phrase 'Please send Billing Inquiries...to'. You may also contact us by email at [email protected]. You may be asked to provide additional information or documentation to support your request. DARRELL J DOEING Account Number: #### #### #### 8068 Statement Billing Period: June 5, 2024 - July 4, 2024 Transactions <table> <tr> <th>Trans Date</th> <th>Post Date</th> <th>Reference Number</th> <th>Description</th> <th>Amount</th> </tr> <tr> <td colspan="5">No activity in this statement</td> </tr> <tr> <td colspan="5"><b>Fees</b></td> </tr> <tr> <td colspan="5"><b>TOTAL FEES FOR THIS PERIOD</b> $0.00</td> </tr> <tr> <td colspan="5"><b>Interest Charged</b></td> </tr> <tr> <td>07/04</td> <td>07/04</td> <td></td> <td>INTEREST CHARGE-PURCHASES</td> <td>36.90</td> </tr> <tr> <td colspan="4">TOTAL INTEREST FOR THIS PERIOD</td> <td>$36.90</td> </tr> </table> <b>2024 Totals Year-to-Date</b> <table> <tr> <td>Total Fees Charged in 2024</td> <td>$105.00</td> </tr> <tr> <td>Total Interest Charged in 2024</td> <td>$228.97</td> </tr> </table> Important Messages Did you know you can manage your account online for free by visiting www.MissionLane.com? Review your account information, track spending, set alert notifications, download files, and so much more any time of the day or night. Plus, your information is safe and secure. Your account is 6 months past due. To avoid account closure and further negative impacts on your credit report, please make a payment immediately for the remaining amount that's due. <table> <tr> <th>Type of Balance</th> <th>ICM¹</th> <th>Balance Subject to Interest Rate</th> <th>Periodic Rate²</th> <th>Annual Percentage Rate (APR)³</th> <th>Promo APR Expires</th> <th>Interest Charge</th> </tr> <tr> <td>PURCHASES</td> <td>G</td> <td>$1,277.83</td> <td>0.09628% (D)</td> <td>35.24% (V)</td> <td>N/A</td> <td>$36.90</td> </tr> <tr> <td>CASH ADVANCES</td> <td>A</td> <td>$0.00</td> <td>0.09628% (D)</td> <td>35.24% (V)</td> <td>N/A</td> <td>$0.00</td> </tr> </table> 1 ICM Interest Charge Method: See reverse side of Page 1 for explanation. 2 Periodic Rate (M) = Monthly (D) = Daily 3 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (V) = Variable Rate. If you have a variable rate account the periodic rate and Annual Percentage Rate (APR) may vary. Mission Lane DARRELL J DOEING Account Number: #### #### #### 8068 Statement Billing Period: June 5, 2024 - July 4, 2024 DARRELL J DOEING Account Number: #### #### #### 8068 Statement Billing Period: December 5, 2023 - January 4, 2024 Summary of Account Activity <table> <tr><th>Previous Balance</th><td>$ 848.03</td></tr> <tr><th>Payments</th><td>-30.99</td></tr> <tr><th>Other Credits</th><td>0.00</td></tr> <tr><th>Other Debits</th><td>0.00</td></tr> <tr><th>Purchases</th><td>145.97</td></tr> <tr><th>Cash Advances</th><td>0.00</td></tr> <tr><th>Fees Charged</th><td>0.00</td></tr> <tr><th>Interest Charged</th><td>26.46</td></tr> <tr><th>NEW BALANCE</th><th>$ 989.47</th></tr> <tr><th>Credit Limit</th><td>$ 1,100.00</td></tr> <tr><th>Available Credit</th><td>110.53</td></tr> <tr><th>Available Cash</th><td>110.53</td></tr> <tr><th>Statement Closing Date</th><td>01/04/24</td></tr> <tr><th>Days in Billing Cycle</th><td>31</td></tr> </table> Payment Information <table> <tr><th>New Balance</th><td>$ 989.47</td></tr> <tr><th>Total Minimum Payment Due</th><td>$ 36.46</td></tr> <tr><th>Payment Due Date</th><td>02/01/24</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 $ 35.00. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: <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>7 years</td> <td>$ 2,514.00</td> </tr> <tr> <td>$ 45.00</td> <td>3 years</td> <td>$ 1,620.00<br>(Savings = $ 894.00)</td> </tr> </table> If you would like information about credit counseling services, call 1-866-791-4360. Contact Information Customer Service (855) 790-8860 Report Lost or Stolen Card (855) 790-8860 Please Mail Your Payments to: PO BOX 23075 COLUMBUS GA 31902-3075 Visit us on the web at: missionlane.com Please send Billing Inquiries and Correspondence to: MISSION LANE LLC PO BOX 105286 ATLANTA, GA 30348-5286 NOTICE: CONTINUED ON PAGE 3 Page 1 of 4 DETACH HERE: RETURN PAYMENT USING THE ENCLOSED ENVELOPE. MAKE CHECK PAYABLE TO: MISSION LANE LLC – ALLOW UP TO 7 DAYS FOR RECEIPT. Account Number #### #### #8068 Closing Date January 4, 2024 New Balance $ 989.47 Total Minimum Payment Due $ 36.46 Payment Due Date February 1, 2024 AMOUNT OF PAYMENT ENCLOSED $ $ IMPORTANT INFORMATION • The Mission Lane Visa® Credit Card is issued by Transportation Alliance Bank, Inc. dba TAB Bank. Interest Charge Calculation Methods (ICM) and Computation of Balance Subject to Interest Rate. The Interest Charge Calculation Method applicable to your account for Cash Advances and Credit Purchases of goods and services that you obtain through the use of your card is specified on the front side of this statement and explained below: Method A - Average Daily Balance (including new cash advances). The Interest Charge on cash advances begins from the date you obtained the cash advance, or the first day of the billing cycle in which it is posted to your account, whichever is later. There is no grace period. The Interest Charges for a billing cycle are computed by applying the Periodic Rate to the ‘average daily balance’ on your account (including new cash advances). For more information on how your average daily balance (including new cash advances) is calculated, please refer to your Cardholder Agreement or call our Customer Service Department at (855) 790-8660. Method G - Average Daily Balance (including new transactions). To avoid incurring additional Interest Charges on the balance of purchases reflected on your monthly statement and, on any new appearing purchases on your next monthly statement, you must pay the entire 'New Balance' in full, shown on your monthly statement, on or before the Payment Due Date. The Interest Charges for a billing cycle are computed by applying the Periodic Rate to the ‘average daily balance’ on your account (including new transactions). For more information on how your average daily balance (including new transactions) is calculated, please refer to your Cardholder Agreement or call our Customer Service Department at (855) 790-8660. Paying Interest: Your due date is at least 23 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 on the transaction date or the first day of the billing cycle in which the transaction is posted, whichever is later. Payment Crediting and Credit Balance. Payments received by SPM ET either electronically or by mail at the location specified on the front of the statement after the phrase 'Please Mail Your Payment To:' will be credited as of the date of receipt to the account specified on the payment coupon. Payments must be made in U.S. dollars. Payments that do not conform to the requirements set forth on or with the periodic statement (e.g. multiple checks or multiple coupons in the same envelope) may be subject to delay in crediting, but shall be credited within five days of receipt. If there is a credit balance due on your account, you may request, in writing, a full refund. Submit your request to the address indicated on the front of this statement after the phrase 'Please send Billing Inquiries and Correspondence to:'. If you ask someone else to make a payment on your behalf, we may be able to process that third-party payment. We also may refuse to accept that payment. If we do accept it, you’re responsible for the payment regardless of it being returned or rejected. You must not include any restrictive words, endorsements, conditions, limitations, covenants, or other special instructions such as Paid in Full on your payment or accompanying correspondence. If you include restrictive language, we may reject the payment and/or return it to you. We also may process the payment without losing any of your rights. Payments By Mail. By sending a check, you are authorizing the use of the information on the check to make a one-time electronic debit from the account on which the check is drawn. This electronic debit, which may be posted to the account as early as the date the check is received, will be only for the amount of the check. The original check will be destroyed and we will retain the image in our records. Payments Other Than By Mail. • Online. Go to www.missionlane.com to make or schedule a one-time payment. • Autopay. Go to www.missionlane.com to enroll in AutoPay and have your payment amount automatically deducted each month on your payment date from the payment amount you choose. • Phone. Call the automated phone system at (855) 790-8660. Closing Date. The closing date is the last day of the billing cycle; all transactions received after the closing date will appear on your next statement. Annual Fee. If your account has been assessed an Annual Membership Fee in this statement, you may avoid paying this fee by requesting to close your account within 30 days of the Statement Closing Date listed at the top of this statement. At any time, if your balance consists only of the Annual Membership Fee, or fees and interest resulting from the Annual Membership Fee, you may request to close your account, and we will forgive that balance. Negative Credit Reports. You are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. AZ Residents. Mission Lane LLC does business in Arizona under the trade name Mission Lane Card Services LLC. BILLING RIGHTS SUMMARY 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 shown on the front of this billing statement after the phrase 'Please send Billing Inquiries...to.' 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. 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 (or electronically) at the address shown on the front of this billing statement following the phrase 'Please send Billing Inquiries...to.' 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. Updating Your Name And Address To update your name and address, write to us at the address shown on the front of this billing statement after the phase 'Please send Billing Inquiries...to.' You may also contact us by email at [email protected]. You may be asked to provide additional information or documentation to support your request. Darrell J Doeing Account Number: #### #### #### 8068 Statement Billing Period: December 5, 2023 - January 4, 2024 Transactions <table> <tr> <th>Trans Date</th> <th>Post Date</th> <th>Reference Number</th> <th>Description</th> <th>Amount</th> </tr> <tr> <td colspan="4">Payments, Adjustments and Other</td> <td></td> </tr> <tr> <td>12/18</td> <td>12/19</td> <td colspan="2">PAYMENT - THANK YOU</td> <td>-30.99</td> </tr> <tr> <td colspan="2"></td> <td colspan="2">TOTAL PAYMENTS OR ADJUSTMENTS</td> <td>-$30.99</td> </tr> <tr> <td colspan="4">Purchases</td> <td></td> </tr> <tr> <td>12/25</td> <td>12/26</td> <td>SHELL OIL 12495709003</td> <td>YUKON OK</td> <td>85.01</td> </tr> <tr> <td>12/26</td> <td>12/28</td> <td>MURPHY6582ATWALMART</td> <td>YUKON OK</td> <td>32.77</td> </tr> <tr> <td>01/01</td> <td>01/03</td> <td>WENDY'S 351</td> <td>OKLAHOMA CITY OK</td> <td>28.19</td> </tr> <tr> <td colspan="4">TOTAL PURCHASES AND OTHER DEBITS</td> <td>$145.97</td> </tr> <tr> <td colspan="4">Fees</td> <td></td> </tr> <tr> <td colspan="4">TOTAL FEES FOR THIS PERIOD</td> <td>$0.00</td> </tr> <tr> <td colspan="4">Interest Charged</td> <td></td> </tr> <tr> <td>01/04</td> <td>01/04</td> <td>INTEREST CHARGE-PURCHASES</td> <td></td> <td>26.46</td> </tr> <tr> <td colspan="4">TOTAL INTEREST FOR THIS PERIOD</td> <td>$26.46</td> </tr> </table> 2024 Totals Year-to-Date Total Fees Charged in 2024 $0.00 Total Interest Charged in 2024 $26.46 Important Messages Did you know you can manage your account online for free by visiting www.MissionLane.com? Review your account information, track spending, set alert notifications, download files, and so much more any time of the day or night. Plus, your information is safe and secure. Interest Charge Calculation <table> <tr> <th>Type of Balance</th> <th>ICM1</th> <th>Balance Subject to Interest Rate</th> <th>Periodic Rate2</th> <th>Annual Percentage Rate (APR)3</th> <th>Promo APR Expires</th> <th>Interest Charge</th> </tr> <tr> <td>PURCHASES</td> <td>G</td> <td>$886.81</td> <td>0.09628% (D)</td> <td>35.24% (V)</td> <td>N/A</td> <td>$26.46</td> </tr> <tr> <td>CASH ADVANCES</td> <td>A</td> <td>$0.00</td> <td>0.09628% (D)</td> <td>35.24% (V)</td> <td>N/A</td> <td>$0.00</td> </tr> </table> 1 ICM Interest Charge Method: See reverse side of Page 1 for explanation. 2 periodic Rate (M) = Monthly (D) = Daily 3 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (V) = Variable Rate. If you have a variable rate account the periodic rate and Annual Percentage Rate (APR) may vary. Mission Lane DARRELL J DOEING Account Number: #### #### #### 8068 Statement Billing Period: December 5, 2023 - January 4, 2024