Odessa Elam

• Account Number: 293 341 062 8220
• New Balance: $835.96
• Payment Due Date: 2026-06-25
• Minimum Payment Due: $35.00
• Late Payment Warning: If we do not receive your minimum payment by the date listed above you may have to pay a $10.00 late fee.
• Minimum Payment Warning: Making only minimum payment will increase the amount of interest you pay and the time it takes to repay your balance.
• If you make no additional charges using this card each month you pay... Only the minimum payment: 30 months
• You will pay off the balance shown on this statement in about... 30 months
• And you will end up paying an estimated total of... $1,042.64
• PAYMENTS AND CREDITS RECEIVED AFTER 2026-05-27 WILL APPEAR ON YOUR NEXT STATEMENT.
• 2026 Totals Year to Date: Total fees charged in 2026: $0.00, Total interest charged in 2026: $22.42
• Summary of Account Activity: Your account number is 293 341 062 8220
• Previous Balance: $378.76
• Payments: $30.00
• Other Credits: $0.00
• Interest Charged: $5.31
• Fees Charged: $0.00
• Purchases/Balance Transfers: $482.49
• NO OF DAYS IN BILLING PERIOD: 30
• AVERAGE DAILY BALANCE: $353.88
• CLOSING DATE: 2026-05-27
• PAST DUE AMOUNT: $0.00
• MINIMUM PAYMENT DUE: $35.00
• Interest Charge Calculations: Annual Percentage Rate (APR): 18.00%, Balance Subject to Interest Rate: $353.88, Interest Charged: $5.31
• Annual Percentage Rate (APR): 18.00%
• Balance Subject to Interest Rate: $353.88
• TO ENSURE TIMELY RECEIPT OF YOUR PAYMENT WE SUGGEST YOU MAIL NO LATER THAN 2026-06-16
• NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION

• The FINANCE CHARGE is on the front of this statement. We reserve the right to change credit terms upon advance written notice to you, as required by law.
• Conforming payments must be mailed individually, with a payment coupon, to the address shown on the payment return envelope; payable by check or money order in U.S. dollars; and drawn on a U.S. Institution.
• Conforming payments must be received in the envelope provided and must not be stapled, paperclipped or folded.
• Nonconforming payments may not be credited to your account for up to five business days after receipt.
• Payments received after 5:00 p.m. will be credited on the next business day.
• Early payments or payments in excess of minimum payment due result in smaller FINANCE CHARGES.
• There is no FINANCE CHARGE if the first statement is paid in full within 25 days of the statement date.
• If on any subsequent statement your New Balance is paid in full within 25 days of the statement date, there will be no further FINANCE CHARGE.
• If your account uses the ADJUSTED BALANCE method, we figure the FINANCE CHARGE on your account by applying the applicable periodic rate to the 'adjusted balance' of your account.
• To get the adjusted balance, we take the balance you owed at the end of the previous cycle and subtract any unpaid FINANCE CHARGES and any payments and add credits received during the present billing cycle.
• If your account uses the AVERAGE DAILY BALANCE method, we figure the FINANCE CHARGE on your account by applying the applicable periodic rate to the 'average daily balance' of your account (including current transactions).
• To get the 'average daily balance,' we take the beginning balance of your account each day, add any new purchases (except MA, MN, MT, and NM where new purchases will be included as of the start of the next billing cycle), and subtract any payments or credits or unpaid FINANCE CHARGES.
• This gives the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the 'average daily balance.'
• Payments received will be applied first to FINANCE CHARGES (if any) and then to amounts financed in the order charged to your account.
• You agree that we may accept late or partial installment payments from you without losing any of your rights.
• You agree not to send us payments marked 'paid in full,' 'without recourse,' or with similar language.
• If you send such a payment, you agree that we may accept it without losing any of our rights under any agreement between you and us.
• All written communications concerning disputed amounts, including any check or other payment or instrument that indicates that the payment constitutes, 'payment in full' of the amount owed or that is tendered with other conditions or limitations or as full satisfaction of a disputed amount, must be mailed or delivered to Special Account Handling, 1112 7th Ave, Monroe WI 53566.
• No payment will operate as an accord and satisfaction without the prior written consent of one of our senior officers.
• By mailing your check to us you authorize us to process the transaction as a check or an electronic deduction via ACH debit entry form your checking account.
• Funds may be deducted from your bank account within 24 hours. Please note that our payment system no longer supports any other option for processing checks.
• Returned checks may be processed electronically.

• Keep this notice for future use. This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.
• Notify Us in Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write to us (on a separate sheet): CREDIT DEPARTMENT at the address on the front of this statement.
• Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared.
• You can telephone us, but doing so will not preserve your rights.
• In your letter, give us the following information: Your name and account number, The dollar amount of the suspected error, Describe the error and explain, if you can, why you believe there is an error.
• If you need more information, describe the item you are not sure about.
• Your Rights and Our Responsibilities After We Receive Your Written Notice: We must acknowledge your letter within 30 days, unless we have corrected the error by then.
• Within 90 days we must either correct the error or explain why we believe the bill was correct.
• After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent.
• We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit.
• You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question.
• If we find that we made a mistake on your bill, you will not have to pay for any finance charges related to any questioned amount.
• If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount.
• In either case, we will send you a statement of the amount you owe and the date that it is due.
• If you fail to pay the amount that we think you owe, we may report you as delinquent.
• However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill.
• And, we must tell you the name of any one we reported you to.
• We must tell anyone we report you to that the matter has been settled between us when it finally is.
• If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct.

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