90A-NY-3151227-GJ Serial 6

90A-NY-3151227-GJ Serial 6 FD-302 (Rev. 5-8-10) •1 of 1. FEDERAL BUREAU OF INVESTIGATION Date of entry 12/09/20)9 Pursuant to a Federal Grand Jury subpoena served by the Southern District of New York, Comcast provided the attached response, dated August 20, 2019. Investigation on 08/20/2019 at New York, New York, United States (Fax) File SI90A—NY-3151227—GJ Date drafted 12/06/2019 by This document contains neither recommendations nor conclusions of the FBI. It is the property of the FBI and is loaned to your agency; it and its concerns arc not to be distributed outside your agency. EFTA00134039 8/20/2019 1:53 PM EXON: Fax United States Attorney's off:re TC:Mla PAGE: 001 OF 005 4t. COMCAST FACSIMILE TRANSMITTAL SHEET "as FROM Comcast Legal Response Center COMPANY: DATE: UNted States Attorney's Office 8/20/2019 3:53:43 PM FAX NUMBED- IMM PHONE NUMBER: SENDER'S REFERENCE NUMBER LCR429440 TOTAL NO. OF PAGES INCLUDING COVER 5 RE: YOUR REFERENCE NUMBER: LRC Compile:Kt 2019R01059 0 URGENT ®FOR REVIEW 0 PLEASE COMMENT 0 PLEASE REPLY 0 PLEASE RECYCLE NOTES/ COMMENTS Attached you will fmd Comcast's response to the above refermced you have any questions regarding this matter, please contact the Legal Response Center a Sincaely, Comeast Legal Response Center 650 CENTERTON ROAD, MOORESTOWN. NJ OROS] AUG-20-2019 15:59 91% P.001 EFTA00134040 9/20/2019 3:53 PM FROM: Fax United States Attorney's Office TO: PAGE: 002 of 005 COMCAST CONFIDENTIAL August 20, 2019 AUSA MEM United States Attorney's Office Onc SL Andrew's Plaza New York , New York (NY) 10007 RE: Subpoena Comcast File 11: LCR429440 Ref ft 2019R0159 Legal Response Caster 1800 Bishops Gate Boulevard 8054 Dear AUSA The Subpoena received on 08.20-2019 with respect to the above referenced matter has been forwarded to the Legal Response Center for a reply. The Subpoe t to produce certain subscriber records pertaining to the following telephone number:ta asfrom 07-06-2019 to date of Subpoena, 08-13.2019 00:00:00. Based on the information provided pursuant to the Subpoena, the subscriber information obtained has been provided below: Target Phone No: Subscriber Name: SSN: Service Address: Type of Service: Start of Service: Associated Numbers: Text Messages: Call Detail Records: NORTH PLAINFIELD, NJ 070603737 Comcast Digital Voice la(Not Comcast Provided) None found See all available attached to date of Subpoena If you have any questions regarding this matter, please feel free to call IIMES Very Truly Yours, Comcast Legal Response Center AUG-20-2019 15:59 91Y. P.002 EFTA00134041 9/20/2019 3:53 PM FROM: Fax United States Attorney, Office TO: OEM PAGE: CO3 OF 005 LINOS Ticket ID LCR429440 Telephone Number 9082796215 Call Type Terminating Start Date 07-06-2019 00:00:00 End Date 08-13-2019 00:00:00 Call Date Connect Time From Number To Number Billable Time 07.06.2019 09:40:37 00:00:13 07-08.2019 20:48:03 00:00:12 07-08-2019 20:48:03 00:00:00 07-09-2019 16:45:17 00:00:09 07-10-2019 12:29:55 00:00:07 07-11-2019 14:50:00 00:00:42 07-11.2019 17:44:44 00:00:05 07.13.2019 14:37:26 00:00:10 07-13-2019 16:18:28 00:00:06 07-16-2019 14:11:12 00:00:06 07-17-2019 13:59:25 00:00:09 07-17-2019 17:19:40 00:00:16 07-17-2019 20:13:51 00:00:00 07-18-2019 14:41:34 00:00:06 07-18.2019 18:50:29 00:00:07 07-20-2019 16:07:59 00:00:15 07-25.2019 15:57:52 00:00:02 07-30-2019 11:11:12 00:00:07 07-30-2019 12:14:59 00:00:00 07-30-2019 12:15:31 00:00:33 07-30-2019 12:15:31 00:00:00 07-31-2019 13:21:14 00:00:17 07-31-2019 17:06:05 00:00:05 08-05-2019 16:43:11 00:00:08 08-07-2019 12:21:58 00:00:13 08.09.2019 11:34:06 00:00:00 08.10.2019 09:31:02 00:00:00 08.10.2019 15:22:23 00:00:06 08-10-2019 15:22:23 00:00:00 08-10-2019 16:34:53 00:00:05 08-10-2019 16:35:22 00:00:09 08-12-2019 16:48:03 00:00:08 08-12-2019 16:48:24 00:00:12 08-12-2019 16:48:47 00:00:09 08.12.2019 16:49:31 00:00:00 08-12-2019 16:49:31 00:00:56 08-12-2019 16:51:30 00:01:19 AUG-20-2019 16:00 91% P.003 EFTA00134042 8/20/2019 3:53 PM FROM: Fax United States Attorney's Office TO: PAGE: 004 OF 005 LINOS Ticket ID LCR429440 Telephone Number 9082796215 Call Type Originating Start Date 07-06-2019 00:00:00 End Date 08-13-2019 00:00:00 Call Date Connect Time From Number To Number Billable Time 07-08-2019 20:48:03 00:00:12 07-11-2019 11:06:52 00:03:52 07-16-2019 12:00:55 00:01:15 07-20-2019 11:37:16 00:01:26 07-30-2019 12:15:31 00:00:33 08.10.2019 15:22:23 00:00:06 08-12.2019 16:49:31 00:00:56 AUG-20-2019 16:00 91% P.004 EFTA00134043 8/20/2019 3:S3 PM PROM: Fax United States Attorney's Office TO: PAGE: 005 Of 005 04/20/2019 TUB 14145 FAX 1004/005 Declaration of Custodian of Records Pursuant to 28 U.S.C.§ 1746, I, the undersigned, hereby declare: My name is Nicole A ODonnell (name of &darn° I tun a United States citizen and I am over eighteen years of age. I am the custodian of records of the business named below, or I am otherwise qualified as a result of my position with the business named below to make this declaration. of a Grand Jury Subpoena, dated August 13, 2019, and signed by Assistant United States Attorney requesting specified records of the business named below. Pursuant to Rules 902(11) and 803(6) of the Federal Rules of Evidence, I hereby certify that the records provided herewith and in response to the Subpoena: (I) were made at or near the time of the occurrence of the matters set forth in the records, by, or from information transmitted by, a person with knowledge of those matters; (2) were kept in the course of regularly conducted business activity; and (3) were made by the regularly conducted business activity as a regular practice. I declare under penalty of perjury that the foregoing is true and correct. Executed on 8-20-2019 (dale) Nicole A aDonneli (Agralute of declimn1) Electronic Signature Nicole A ODonnell Legal Analyst (name and title of dcelatunt) Comcast (nasal business) 1800 Bishops Gate Boulevard (baRittnitaurel, NJ 08054 Definitions ()rums used above: As defined in Ped. R. Evid. 803(6), "record" includes a memorandum, report, record, or data compilation, in any form, of acts, evens, conditions, opinions, or diagnoses. The term 'tininess" as used in Fed. R. Evid. 803(6) and the above declaration Includes business, institution, association, profession, occupation, and calling of every kind, whether or not conducted for profit. AUG-20-2019 16:00 91% P.005 EFTA00134044 8/20/2019 3;42 PH FROM: FAX United States Attorney's Office TO: PAGE: 001 OF 005 4k COMCAST FACSIMILE IRAN SMITTAL SHEET TO: FROM Comcast Legal Response Center COMPANY: DATE: United States Attorneys Office 8/20)2019 3:42:12 PM PAX NUMBER: TOTAL NO. OF PAGES INCLUDING COVER: S PHONE NUMBER. SENDERS REFERENCE NUMBER: LCR429440 RE: YOUR REFERENCE NUMBER: LRC Compliance 2019R01059 ❑ URGENT El FOR REVIEW ❑ PLEASE COMMENT ❑ PLEASE REPLY ❑ PLEASE RECYCLE NOTES, CONOCENTS Attached you will fmd Comcast's response to the above referenced Su ena If you have any questions regarding this matter, please contact the Legal Response Center at Sincerely, Comcast Legal Response Center 6S0 CF.NTERTON ROAD. MOORESTOWN. NJ 08057 AUG-20-2019 15:47 91% P.001 EFTA00134045 8/20/2019 3:42 PM FROM: Fax United States Attorney's Office TO: PAGE: 002 OF 005 COMCAST CONFIDENTIAL August 20, 2019 AUSA United States Attorney's Office One St. Andrew's Plaza New York , New York (NY) 10007 RE: Subpoena Comcast File #: LCR429440 Ref # 2019R0159 Legal Response Center 1800 Bishops Gate Boulevard Mount La NJ 08054 Tel 866-947-5587 Fax Dear AUSA The Subpoena received on 08-20-2019 with respect to the above referenced matter has been forwarded to the Legal Response Center for a reply. The Subpoena uests Comcast to produce certain subscriber records pertaining to the following telephone number: from 07-06-2019 to date of Subpoena, 08-13-2019 00:00:00. Based on the information provided pursuant to the Subpoena, the subscriber information obtained has been provided below: Target Phone No: Subscriber Name: SSN: Service Address: Type of Service: Start of Service: Associated Numbers: Text Messages: Call Detail Records: NORTH PLAINFIELD, NJ 070603737 Comcast Digital Voice Unknown (Not Comcast Provided) None found See all available attached to date of Subpoena AUG-20-2019 15:48 P.002 EFTA00134046 90A-NY-3151227-GJ Serial 7 FD-302 (Rev. 5-8-10) •1 of 1. FEDERAL BUREAU OF INVESTIGATION Date of entry 12/09/2039 Pursuant to a Federal Grand Jury subpoena served by the Southern District of New York, Equifax provided the attached response, dated September 16, 2019. Investigation on 09/16/2019 at New York, New York, United States (, Other (Unknown)) Fik# 90A-NY-3151227-GJ Date drafted 12/06/2019 by This document contains neither recommendations nor conclusions of the FBI. It is the property of the FBI and is loaned to your agency; it and its contents arc not to be distributed outside your agency. EFTA00134047 DECLARATION OF CUSTODIAN OF RECORDS STATE OF GEORGIA ) COUNTY OF FULTON ) I, the undersigned declare as follows: 1. My name isnli I am over 21 years of age and I am competent to testify as to the matters stated herein. I am a Legal Support Associate in the Office of Consumer Affairs for Equifax Information Services LLC and have authority to submit this declaration on its behalf. 2. I have personal knowledge of the facts set forth herein, except to the extent that I state herein another source for my knowledge. 3. The documents identified herein are true and accurate copies of the documents maintained by Equifax Information Services LLC. 4. These records and documents were prepared by personnel of Equifax in the ordinary course of business at or near the time of the acts, conditions or events described in the records. I declare under penalty of perjury that the foregoing is true and correct. Executed this day of September, 2019. Legal Support Associate & Records Custodian Equifax Information Services LLC EFTA00134048 DECLARATION OF CUSTODIAN OF RECORDS STATE OF GEORGIA ) COUNTY OF FULTON ) I, the undersigned declare as follows: 1. My name is I am over 21 years of age and I am competent to testify as to the matters stated herein. I am a Legal Support Associate in the Office of Consumer Affairs for Equifax Information Services LLC and have authority to submit this declaration on its behalf. 2. I have personal knowledge of the facts set forth herein, except to the extent that I state herein another source for my knowledge. 3. The documents identified herein are true and accurate copies of the documents maintained by Equifax Information Services LLC. 4. These records and documents were prepared by personnel of Equifax in the ordinary course of business at or near the time of the acts, conditions or events described in the records. I declare under penalty of perjury that the foregoing is true and correct. Executed this day of September, 2019. Legal Support Associate & Records Custodian Equifax Information Services LLC EFTA00134049 DECLARATION OF CUSTODIAN OF RECORDS STATE OF GEORGIA ) COUNTY OF FULTON ) I, the undersigned declare as follows: 1. My name is I am over 21 years of age and I am competent to testify as to the matters stated herein. I am a Legal Support Associate in the Office of Consumer Affairs for Equifax Information Services LLC and have authority to submit this declaration on its behalf. 2. I have personal knowledge of the facts set forth herein, except to the extent that I state herein another source for my knowledge. 3. The documents identified herein are true and accurate copies of the documents maintained by Equifax Information Services LLC. 4. These records and documents were prepared by personnel of Equifax in the ordinary course of business at or near the time of the acts, conditions or events described in the records. I declare under penalty of perjury that the foregoing is true and correct. Executed this day of September, 2019. Legal Support Support Associate & Records Custodian Equifax Information Services LLC EFTA00134050 EQUIFAX° September 16, 2019 Attn: AUSA U. S. Attorney's Office One St. Andrew's PI, New York, NY 10007 RE: Request for Records Equifax, Inc PO Box 105139 Atlanta, Georgia 30348 (866) 222-5901 (888) 826-0692 (fax) Dear Sir/Madam: In response to your request for records, Equifax states as follows: Credit report (s) dated September 16, 2019 for: ed. all. — 2019R01059 Equifax, Inc has not located any additional information responsive to your request. If you have any further questions please feel free to contact me at the above address. Note: Equifax has provided the entire credit file, but has removed blank pages and pages containing consumer notices that automatically print with the consumer file. As a result, there may be gaps in page numbers. Sincerely, Legal Support Associate RellY S80245700913 PaNi39.TIF EFTA00134051 EQUIFAX° September 16, 2019 Attn: AUSA U. S. Attorney's Office One St. Andrew's PI, New York, NY 10007 RE: Request for Records Equifax, Inc PO Box 105139 Atlanta, Georgia 30348 (866) 222-5901 (888) 826-0692 (fax) Dear Sir/Madam: In response to your request for records, Equifax states as follows: Credit report (s) dated September 16, 2019 for: ed. all. — 2019R01059 Equifax, Inc has not located any additional information responsive to your request. If you have any further questions please feel free to contact me at the above address. Note: Equifax has provided the entire credit file, but has removed blank pages and pages containing consumer notices that automatically print with the consumer file. As a result, there may be gaps in page numbers. Sincerely, Legal Support Associate RellY S80245700913 PaNi39.TIF EFTA00134052 EQUIFAX° September 16, 2019 Attn: AUSA U. S. Attorney's Office One St. Andrew's PI, New York, NY 10007 RE: Request for Records Equifax, Inc PO Box 105139 Atlanta, Georgia 30348 (866) 222-5901 (888) 826-0692 (fax) Dear Sir/Madam: In response to your request for records, Equifax states as follows: Credit report (s) dated September 16, 2019 for: ed. all. — 2019R01059 Equifax, Inc has not located any additional information responsive to your request. If you have any further questions please feel free to contact me at the above address. Note: Equifax has provided the entire credit file, but has removed blank pages and pages containing consumer notices that automatically print with the consumer file. As a result, there may be gaps in page numbers. Sincerely, Legal Support Associate RellY S80245700913 PaNi39.TIF EFTA00134053 EZW I FAX CREDIT FILE : September 16, 2019 Personal Identification Information (This section includes your name, current and previous addresses, and any oth on reported by your creditors.) Name On File: Social Security # XXX-XX-8558 Date of Birth: Current Address: Previous Address(es): Last Reported Employment: DOJ Bureau; Confirmation # 9259041182 Please address all future correspondence to: www.equifax.com/personal/disputes Equifax Information Services LLC P.O. Box 740241 Atlanta, GA 30374 M - F 9:00am to 5:00pm in your time zone. Collection Agency Information (This section includes accounts that credit grantors have placed for collection with a collection agency.) Stern Recovery Servcies, Inc.; Collection Reported 08/2019; Assigned 01/2018; Creditor Class - MedicaVHealth Care; Original Creditor - First Health of • nt - $125 ; Status as of 08/20 - • • te of 1st Delinquency 05/2016; Balance as of 08/2019 - $125 ; Individual Account; Account # - 5KOWS; Address: Greensboro NC 27401-2182 : Credit Account Information (For your security, the last 4 digits of account number(s) have been replaced by) (This section Includes open and closed accounts reported by credit grantors) Account Column Title Descriptions: Account Number - The Account number reported by credit grantor Amount Past Due - The Amount Past Due as of the Date Reported Date Acct. Opened - The Date that the credit grantor opened the account Date of Last Paymnt - The Date of Last Payment High Credit - The Highest Amount Charged Actual Pay Amt - The Actual Amount of Last Payment Credit Limit - The Highest Amount Permitted Sched Pay Amt - The Requested Amount of Last Payment Terms Duration - The Number of Installments or Payments Date of 1st Delinquency - The Date of First Delinquency Terms Frequency - The Scheduled Time Between Payments Date of Last Actvty - The Date of the Last Account Activity Months Reviewed - The Number of Months Reviewed Date Maj Delq Rptd - The Date the 1st Major Delinquency Was Reported Activity Designator - The Most Recent Account Activity Charge Off Arnt - The Amount Charged Off by Creditor Creditor Class - The Type of Company Reporting The Account Deferred Pay Date - The 1st Payment Due Date for Deferred Loans Date Reported - Date of Last Reported Update Balloon Pay Amt - The Amount of Final(Balloon) Payment Balance Amount - The Total Amount Owed as of the Date Reported Balloon Pay Date - The Date of Final(Balloon) Payment Status - Condition of Account When Last Updated by Creditor Date Closed - The Date the Account was Closed or Otherwise Account History 1 30-59 Days Past Due 5 : 150-179 Days Past Due J Voluntary Surrender 2 60-89 Days Past Due 6 : 180 o More Days Past Due K Repossession Status Code 3 90-119 Days Past Due G : Collection Account L Charge Off Descriptions 4 120-149 Days Past Due H : Foreclosure ( Continued On Next Page ) Page 6 of 22 9259041182CVJ-002734482- 1- 1 - S EFTA00134054 When you place a security freeze on your Equifax credit report, you will be provided a 10-digit personal identification number (PIN) to use if you choose to temporarily lift or permanently remove the security freeze from your credit report. To make either request, you can contact Equifax by phone or mail and provide all the following: 1. Proper identification. 2. The unique PIN provided by Equifax when you placed the security freeze. 3. If requesting a temporary lift, specify the period of time for which the credit report is to be available (for example, from March 15, 2018 to March 21, 2018). You can also create or sign into your account on www.equifax.com to authorize the temporary lift or permanent removal of your security freeze from your Equifax credit report. Equifax will authorize the release of your credit report within one hour after receiving the above information if the request is by phone or electronic means or no later than three business days when a written request is submitted. Placing, lifting, and removing a security freeze on your Equifax credit report is free. Page 5 of 22 9259041182CVJ-002734482- 1- 1 - S EFTA00134055 EFTA00134056 EFTA00134057 EFTA00134058 EFTA00134059 EFTA00134060 EFTA00134061 EFTA00134062 EFTA00134063 EFTA00134064 EFTA00134065 EFTA00134066 EFTA00134067 EFTA00134068 EFTA00134069 EFTA00134070 EFTA00134071 EFTA00134072 EFTA00134073 EFTA00134074 EFTA00134075 EFTA00134076 EFTA00134077 EFTA00134078 EFTA00134079 EFTA00134080 EFTA00134081 EFTA00134082 EFTA00134083 EFTA00134084 EFTA00134085 EFTA00134086 EFTA00134087 EFTA00134088 EFTA00134089 EFTA00134090 EFTA00134091 EFTA00134092 EFTA00134093 EFTA00134094 EFTA00134095 EFTA00134096 EFTA00134097 EFTA00134098 EFTA00134099 EFTA00134100 EFTA00134101 EFTA00134102 EFTA00134103 EFTA00134104 EFTA00134105 EFTA00134106 EFTA00134107 EFTA00134108 EFTA00134109 EFTA00134110 EFTA00134111 EFTA00134112 EFTA00134113 EFTA00134114 EFTA00134115 EFTA00134116 EFTA00134117 EFTA00134118 EFTA00134119 EFTA00134120 EFTA00134121 EFTA00134122 EFTA00134123 EFTA00134124 EFTA00134125 90A-NY-3151227-GJ Serial 8 FD-302 (Rev. 5-8-10) •1 of 1. FEDERAL BUREAU OF INVESTIGATION Date of entry 12/09/2039 Pursuant to a Federal Grand Jury subpoena served by the Southern District of New York, Experian provided the attached response, dated September 16, 2019. Investigation on 09/16/2019 at New York, New York, United States (, Other (Unknown)) mk# 90A—NY-3151227—GJ Date drafted 12/06/2019 by This document contains neither recommendations nor conclusions of the FBI. It is the property of the FBI and is loaned to your agency; it and its contents arc not to be distributed outside your agency. EFTA00134126 EFTA00134127 EFTA00134128 Credit Profile from Experian Inc. Page 3 of 3 Top o( DOQQ If:go:kW Ft Form 0 Copyright Experian Information Solutions, Inc. All rights reserved. https://ea2.ce.experiannet.com/jAccess/inquiry 9/16/2019 EFTA00134129 Rick V. Haas Custodian of Records Experian Consumer Affairs 'S. experiart Allen, Texas 75013 www.experian.com EFTA00134130 S. n. 6.expean. September 16, 2019 AUSA United States Attorney's Office One Saint Andrew's Plaza New York, NY 10007 RE: Subpoena for the credit records of , et al. Experian's Ref. # 149544595 Dear AUSA Donaleski: P.O.Box 1240 Allen. TX 75013 wwwaxperian.corn We are unable to locate credit records for and Tova A. Noel at this time. No record was found for Tova A. Noel using the informationprovided and additional identification information is need to pull records on Our database is a unique system in which full identification must be input in order to retrieve a credit profile on a particular individual. To ensure a complete credit profile, Experian uses full name, including middle name and generation code (Sr., Jr. 1,11,111, etc.), current address including zip code, previous addresses for the past two years including zip codes, social security number, and date of birth. Please provide in writing, any additional identification information for these individuals and a copy of the subpoena within 30 days and we will process your request. Enclosed please find the record for If I may be of further assistance, please do not hesitate to contact me at the number listed below. Sincerely, (Lat. V. 14-tan-- Rick V. Haas Custodian of Records ri n nsumer Affairs Enclosures EFTA00134131 (hand Jury Subpoena praithstates gsietrie anurt SOUTHERN DISTRICT OF NEW YORK TO: Experian Consumer Affairs Special Services Attention: Rick ilaas Custodian of Records Allen, TX 75013 GREETINGS: WE COMMAND YOU that all and singular business and excuses being laid aside, you appear and attend before the GRAND JURY of the people of the United States for the Southern District of New York, at the United States Courthouse, 40 Foley Square, Room 220. in the Borough of Manhattan, City of New York, Ncw York, in the Southern District of New York, at the following date, time and place: Appearance Date: September 13, 2019 Appearance Time: 9:00 a.m. to testify and give evidence in regard to alleged violation of: 18 U.S.C. §§ 1791, 201. and not to depart the Grand Jury without leave thereof; or of the United States Attorney, and that you bring with you and produce at the above time and place the following: Please see the attached rider. Re nal a cc is not uired if there mated records arc 1 xoduced on or before the return date to AUSA , and (2) accompanied by an executed copy of the attached Declaration of Custodian of Records. Failure to attend and produce any items hereby demanded will constitute contempt of court and will subject you to civil sanctions and criminal penalties, in addition to other penalties of the Law. DATED: New York, New York August 30, 2019 beef 1.1, ettW61.49-4,1:, GEOFFRE S.BERMAN United States Attorney Assistant United States Attorney rev. 02.01.12 EFTA00134132 RIDER (Grand Jury Subpoena to Experian, dated August 30, 2019; USAO 2019R01059) ftEOUEST: Please provide all financial account information, including credit reports, relating to the following. individuals: DOB Tova A. Noel, DOB SSN Michael A. Thomas, DOB SSN In lieu of an appearance you may comply with this subpoena by providing the requested information w"b" certification r pursuant to Fed. R. Evid. 803(6)' to AUSA EFTA00134133 Declaration of Custodian of Records Pursuant to 28 U.S.C. § 1746,1, the undersigned, hereby declare: V. 14-et.4.1 (ism ord.:clam') My name is I am a United States citizen and I am over eighteen years of age. I am the custodian of records of the business named below, or I am otherwise qualified as a result of my position with the business named below to make this declaration. I Grand Jury Subpoena, dated August 30, 2019, and signed by Assistant United States Attorney requesting specified records of the business named below. Pursuant to Rules 902(11) and 803(6) of the Federal Rules of Evidence, I hereby certify that the records provided herewith and in response to the Subpoena: (I) were made at or near the time of the occurrence of the matters set forth in the records, by. or from information transmitted by, a person with knowledge of those matters; (2) were kept in the course of regularly conducted business activity; and (3) were made by the regularly conducted business activity as a regular practice. 1 declare under penalty of perjury that the foregoing is true and correct. Executed on 41-11-I1 (dye) (Wk.. V. 14-st-ivr..- (signature of &tamp CAAS'Fb Ottawa. D4 f Gcot.-LJ (none mash deckant). E )(ft Ka pwae of Wilms) (hornets at) Ake.... Tx -We 0 Definitions of terms used above: As defined in Fed. R. Evid. 803(6), "record" includes a memorandum, report, record, or data compilation, in any form, of acts, events, conditions, opinions, or diagnoses. The term "laminate as used in Fed. R. Evid. 803(6) and the above declaration includes business, institution, association, profession, occupation, and calling of every kind. whether or not conducted for profit. EFTA00134134 Glossary of account conditions and payment status Version 8 — Numeric • •• • ••••• Lx ••••• perban.• • • This glossary is for interpreting data on the Credit Profile Report from Experian. For information on how to report data, please refer to the Credit Reporting Resource Guide (CRRG) developed by the Consumer Data Industry Association. Account conditions Code Account condition Explanation Code Account condition Explanation A BK7PET Petitioned for Chapter 7 bankruptcy X BKI2RESC Reaffirmation of debt rescinded Chapter 12 bankruptcy B BKIIPET Petitioned for Chapter II bankruptcy BK13RESC Reaffirmation of debt rescinded Chapter 13 bankruptcy C BKI2PET Petitioned for Chapter 12 bankruptcy Al OPEN Open account BKI3PET Petitioned ton Chapter 13 A2 PAID Paid account/Zero balance bankruptcy A3' CLOSED Closed account E BK7DISC Discharged through A4 INACTIVE Inactive account Chapter 7 bankruptcy ea CR CDLOST Credit card lost or stolen F BK11 DISC Discharged through Chapter 11 bankruptcy 05 TRANSFER Account transferred to another office G BKI2DISC Discharged through Chapter 12 bankruptcy 10 REFINANC Account renewed or refinanced H BKI3DISC Discharged through 21* DECEASED Consumer reported as deceased BK7DISM Chapter 13 bankruptcy Dismissed Chapter 7 bank' uplcy 66* POBYDLER Credit grantor paid by the company that originally sold the merchandise BKIIDISM Dismissed Chapter I t bankruptcy 67' BKLIOREO Debt included in or discharged through Chapter 7, 11 or 12 K BK12D1SM Dismissed Chapter 12 bankruptcy bankruptcy BKI3DISM Dismissed Chapter B bankruptcy 68 SETTLED Account legally paid in full for less M BK7W/D Withdrawn Chapter 7 bankruptcy than the lull balance N BK11W/13 Withdrawn Chapter 11 bankruptcy 691BKADJPLN Debt included in or discharged through Chapter 13 bankruptcy 0 BK12W/D Withdrawn Chapter 12 bankruptcy as SCNL LOC Consumer now located/Was credit BK13W/D Withdrawn Chapter 13 bantouptcy grantor could not locate consumer Ft BKREAFF Reaffirmation of debt 87' FOREPROC Foreclosure proceeding started V BK7RESC Reaffirmation of debt rescinded 811* GOVCLAIM Claim filed with government for w BK1IRESC Chapter 7 bankruptcy Reaffirmation of debt rescinded insured portion of balance on loan Chapter 11 bankruptcy 'An aVertsA tits( es (here nu) be a need for foltre, twee. EFTA00134135 Account conditions (continued) Code Account condition Explanation 91* DEE DLIEU TRMDFALT IN SCL AIM COLLACCT Credit grantor received deed for collateral in lieu of foreclosure on a defaulted mortgage Early termination by default of original terms of lease or sales contract Claim filed for insured portion of the balance Account seriously past due/Account assigned to attorney. collection agency or credit grantor's internal collections department `An asletult tartrates lb. e ma, b• a needle,. Milan c.a..... Code Account condition Explanation 94' FORECLOS Credit grantor reclaimed collateral to settle defaulted mortgage 96' VOLUSURR Voluntary surrender 96• RE FOSSES Merchandise was taken back by credit grantor/There may be a balance due CHARGOFF SCNL Unpaid balance reported as a loss Credit grantor cannot locate consumer Display This is a sample of how trades display: Account condition and payment status OPEN CUR WAS 30 Account condition only COLL ACCT -onditions PAID COLL ACC!. Delinquency counters +/DEROG Number of times 30 days delinquent 60 = Number of times 60 days delinquent 90 = Number of times 90+ days delinquent DEROG = Number of times derogatory e.l!er than 180 days delinquent) Terms frequency D = Deferred P = Single-payment loan W = Weekly B = Biweekly E = Semimonthly L = Bimonthly Q = Quarterly T = Triannually S = Semiannually Y = Annually Payment amount types S tt. 25-month payment history C Current 3 = 30 days past due (late 60 days past due date 90 days past due date 4 = 120 days past due date 5 = 150 days past due date 6 = 180 days or more past due date 7 = 69, D. H.Y 8 = 42, 87, 89, 94, 98 96 9 = 66. 67. 86.88, 91.92, 93.91. A. C, E. F, G, Estimated Scheduled N 0 B Mw, X Current account/Zero balance —no update received for this trade = Current with zero balance reported on tape = No history reported that month G = Collection Foreclosure J = Voluntary surrender Repossession Charge•oft Account condition change/Payment code is not applicable 2 EFTA00134136 Payment Status Code Payment status Explanation 00 NO STATUS No status 370CUR WAS 60 or CUR WAS 60-2 Current account/Was 60 days past duo date two times 38' CUR WAS 90 08" CUR WAS 60-3 Current account/Was GO days past due date three times 39' CUR WAS 120 09' CUR WAS 60-4+ Current account/Was 60 days past due date four or more times CUR WAS ISO 11 CURR ACCT Account in good standing 44* CUR WAS 180 14• CUR WAS 90-2 Current account/Was 90 days past due date two times 4r REDEEMD REPO 15° CUR WAS 90-3+ Current accountf Was 90 days past due date three or more times 43' CUR WAS COLL 16' CUR WAS 120-2+ Current account/Was 120 days past due date two or more times 1?' CUR WAS 150-2+ Current account/Was 45' CUR WAS FORE 150 days past due date two or more times 7t•30 DAY DEL 22' 60 2TIMES Account 60 days past due date two times 721. 30 2 TIMES 23" 60 3 TIMES Account 60 days past due date three times 73. 303 TIMES 24* 604* TIMES Account 60 days past due date four or more times 74* 304 TIMES 25' 90 2 TIMES Account 90 days past due date two times 75' 30 5TIMES 26' 90 3+ TIMES Account 90 days past due date three or more times 76' 3064 TIMES 27' 1202+ TIMES Account 120 days past due date two or more times 77' 30 WAS 110 21(0 1502r TIMES Account 150 days past due 78* DELINQ 60 date two or more times 79. DEL WAS 90 29490 WAS 120" Account 90 days past due date/was 120 days or more past due date C. DELINQ 90 31' CUR WAS 30 Current account/Was 30 days past due date 81. DEL WAS 120+ 32' CUR WAS 30-2 Current account/Was 30 days past due date two times DELINQ 120 33' CUR WAS 30-3 Current account/Was 30 days past due date three times 83" DELINQ 150 34' CUR WAS 30-4 Current account/Was 30 days past due date four times 84. ()ELMO 180 15* CUR WAS 30-5 Current account/Was 30 days past due date five times Re* COFF NOW PAY 36* CUR WAS 30-6+ Current account/Was 30 days past due date six or more times Code Payment status Explanation Current account/Was 60 days past due date Current account/Was 90 days past due date Current account/Was 120 days past due date Current account/Was 150 days past due date Current account/Was 180 days past due date Account now redeemed/was a repossession Current account/Was a collection account, an insurance claim or a government claim or was terminated for default Current account/Foreclosure was started Account 30 days past due date Account 30 days past due date two lames Account 30 days past due date three times Account 30 days past duo date four times Account 30 days past due date five times Account 30 days past due date six or more times Account 30 days past due date/ was 60 days past clue date Account 60 days past due date Account 30 or 60 days past due date/was 90 (lays past due date Account 90 days past due date Account 30 or 60 days past due date/was 120 days or more past due date Account 120 days past due date Account 150 days past due date Account 180 days past due date Now paying/Was a charge-off 'An .1Slei Is* edrnfes thete Oltiy 6.7 4 need /0, Further rewew. 3 EFTA00134137 Purpose type of account Type code Short name Explanation Type Short code name Explanation Type Short code name Explanation OD AUT Auto loan 25 R/V VA real-e at e mortgage 69GIG Government grant 01 OHS Unsecured loan (terms :n years) 6A CIL Commercial installment loan 02 (t3 SEC P/S Secured loan Partially secured loan 26 RIC Conventional real-estate mortgage, including purchase money and first 68 C/M Commercial mortgage — terms in years 04 OS H/1 FHA Home-improvement loan FHA home-27 RIO mortgage (terms in years) Real-estate mortgage SC CGA Credit granting — possible additional offers improvement loan (terms in months), with or 6D HEI Home equity 06 ISC Installment sales contract without collateral (usually second mortgage) 70 GOP Government overpayment 07 CHG Revolving charge account 29 REN Rental agreement 71 G/F Government fine 08 R/E Real estate, unknown type, za SCC Secured credit card 72 GFS Government tee for service 09 SCO terms in years Loan secured by cosigner 2C FMH (revolving terms) Real-estate mortgage, 73 GEA Government employee advance OA TSL Time-share loan Farmers Home Administration (FMHA) 74 GMD Government miscellaneous debt OC FCC Factoring company (terms In years) 75 G/B Governmentebt benefit OE OF NCP CSL Subscriber numeric inquiry Construelion loan — new 30 SUM Summary of accounts — same status 77 RCK Returned check 78 I/I Installment loan OG FSC Flexible spending credit card 31 UNK Unknown — extension of credit, review or collection 7A CLC Commercial line of credit 10 BUS Commercial transaction with personal liability, 33 E XM Manual mortgage (4999) (revolving terms) guarantee or written 37 CCP Combined credit plan, 7B AGR Agriculture inst i uct ion revolving account 7C SA A Service activation — 11 REC Recreational merchandise 3A AUL Auto lease possible additional offers loan 63 PPI Prescreen/Extract post- 12 EDU Educational loan 3C LIC Government/State licensing prescreen inquiry 13 t4 LEA COS Lease Cosigner (not borrower) 43 47 D/C CIS Debit card Credit line secured, revolving ES 86 BMP MRI Bimonthly mortgage payment (terms in years) Automated mortgage report 15 16 C/C F/C Check credit or line of credit FHA cosigner 48 COL Collection cleptartment/ attorney/agency 87 SMP Semimonthly mortgage payment (terms in years) (not borrower) OD CM. Cellular phone 69 H/E Home-equity line of credit 17 104 Manufactured home 4f TxC Tax collection (CA SBIE13) (revolving terms) 18 CRC Credit card 50 F/S Family support 8A BCC Business credit card 19 R/F FHA mortgage SA RES Real estate— 'unite/ liens (revolving terms) (terms in years) and nonpurchase money 86 DEP Deposit-related 1A LPI Lender-placed insurance first (terms in years) so rno Medical debt tB LBP Lead rotate business purpose sa R/S Second mortgage — term.. in months 91 CON Debt consolidation IC PfiG Purchase of household SC CSA Checking or savings —92 UTI Utility company goods possible additional oilers 93 C/S Child support 20 NTE Note loan es UGL Government -guaranteed 91 S/S Spouse support 21 NCS Note loan with cosigner unsecured loan 95 ATV Attorney lees 22 HMG Secured by household so SGL Government -guaranteed secured loan 96 CKG Chocking account goods W C/G Credit granting 87 UN- Government -direct V 1-1+0 Secured by household goodsfother collateral unsecured loan 9A SHI Secured home improvement se SDI Gover nmenl-direct secured loan 9B BPG Business line personally guaranteed 4 EFTA00134138 ECOA codes with definitions Association with account currently active 0 1 2 3 4 5 6 7 w Association terminated as of date reported X Deceased: This individual has been reported as deceased. There may or may not be other people associated with this account. A Undesignated: Reported by Experlan only. H Individual: This individual has contractual responsibility for this account and is primarily responsible for its payment Termination code H is to be used only in cases of mortgage loans being assumed by others. B Joint account — contractual responsibility: This individual is expressly obligated to repay all debts arising on this account by reason of having signed an agreement to that effect. There are other people associated with this account who may or may not have contractual responsibility. C Authorized user: This individual is an authorized user of this account; another individual has contractual responsibility. Joint account: This individual participates in this account. The association cannot be distinguished between joint account— contractual responsibility or authorized user. Cosigner: This individual has guaranteed this account and assumes responsibility should signer default. This code is to be used only in conjunction with code 7 signer. F On behalf of: This individual has signed an application for the purpose of securing credit for another individual, other than spouse. G Signer. This individual Is responsible for this account, which is guaranteed by a cosigner. This code is to be used in lieu of codes 2 and 3 when there is a code 5 cosigner. Business/Commercial: This association code is used to identify that the company reported In the name field is associated with the account. Public record glossary Account conditions BK 7-PETIT BK 7-DISCHG BK 7-DISMIS BK 11-PETIT BK 11-DISCHG FiK 71-DISMIS BK 12-PETIT BK 12-D1SCHG Explanation BK 12-DISMIS BK 13-PETIT BK 13-DISCHG BK 13-DISMIS CH SUP JUDG CH SUP SATIS CIV CL JUDG CIV CL SATIS CIV CLVACAT FEDTAX LIEN FED TAX REL SM CL JUDGMT SM CL SATIS SM CLVACAT STATE TX LN STATE TX REL SUIT DISMISS SUIT FILED Petition Chapter 7 bankruptcy (liquidation) Discharged Chapter? bankruptcy (liquidation) Dismissed Chapter 7 bankruptcy (liquidation) Petition Chapter 11 bankruptcy (r eorganization) Discharged Chapter 11 bankruptcy (reorganization) Dismissed Chapter 11 bankruptcy (reorganization) Petition Chapter 12 bankruptcy (adjustment of debt - family farmer) Discharged after completion Chapter 12 bankruptcy (adjustment of debt — family farmer) Dismissed Chapter 12 bankruptcy (adjustment of debt — family farmer) Petition Chapter 13 bankruptcy (adjustment of debt) Discharged/Completed Chapter 13 bankruptcy (adjustment of debt) Dismissed Chapter 13 bankruptcy (adjustment of debt) Child support delinquency judgment Child support delinquency judgment satisfied Civil claim judgment Civil claim judgment satisfied Civil claim judgment vacated either before or atter it has been satisfied Federal tax lion Federal tax lien released Small-claims judgment Small-claims judgment satisfied Small-claims judgment vacated either before or after it has been satisfied State tax lien State tax lien released Suit dismissed or discontinued Suit filed 5 EFTA00134139 Kind of business codes Code E xplanation Code Explanation Code Explanation AM Auto rental Fr Sales financing companies LA Air conditioning/heal/plumbing/ AC Auto leasing Fl Investment firms electrical sales AF Farm implement dealers FL Savings and loans —mortgage LF Fixture and cabinet suppliers AL Truck dealers FM Mortgage companies LP Paint, glass, wallpaper store AN Automobile dealers, new FP Personal loan companies Li Lumber/Building material/ Hardware — nonspecific AP Automotive parts FR Mortgage reporters AR Auto repair. body shops FS Savings and loan companies MA Animal hospitals AS Service stations FT Investment securities MB Dentists AT TBA stores, tire dealers FU Bulk purchase finance MC Chiropractors AU Automobile dealers, used FW Bulk purchase finance — general MD Doctors AZ Automotive— nonspecific FY Miscellaneous loan broker MF Funeral homes FZ Finance companies — nonspecific MG Medical group BB All banks — nonspecific MH Hospitals and clinics BC Bank ci edit cards GD Da lr tes MM Cemeteries BO Bank — installment loans GN Neighborhood grocers MO Osteopaths BM Bank — mortgage department GS Supermarkets MP Pharmacies and drugstores RN Industrial bank GZ Groceries — nonspecific MS Optometrists and optical outlets BO Co-op bank MV Veterinarians BS Savings bank HA HC Appliance sales and service Carpets and floor coverings M2 Medical and related health — nonspecific CG General clothing store HO Interior decorators/designers CS Specialty clothing store HF Home furnishing stores NA Airlines C2 Clothing store — nonspecific HM Music and record stores ND Credit card — department store HR Furniture rentals NF Credit card — finance company DC Complete department stores HT TV and radio sales and service NS Credit card — savings and loon DV Variety stores HZ I tome furnishings — nonspec if it NU Credit card —credit union D2 Department and variety NZ National credit card/airlines —stores — nonspecific IG General insurance nonspecific IL Life insurance ES Business education IZ Insurance — nonspecific OC Oil company credit cards EC Colleges OZ Oil companies — nonspecific EL Student loans JA To ;refers ET Technical education JP Computer sales and service PA Accountants and related services EU Universities JV Videotape rental and sales PB Barber and beauty shops EV Vocational and trade schools JZ Jewelry/Cameras and PC Equipment leasing EZ Education — nonspecific conmptll er s — nonspecific PD Dry cleaning/Laundry/related PE Engineering/all kinds FA Auto financing companies KG General contractors PF Florists FB Mortgage brokers KI Home-improvement contractor PG Photographers FC Credit unions KS Suhcontractors PH Health and fitness clubs FD Bail bonds KZ Contractors — nonspec it P1 Detective service 6 EFTA00134140 Code Explanation Code Explanation Code Explanation Pt. Legal and related services UL Long-distance phone company YL Collections attorney PM Check-cashing services UO OnlinelInternet services YR Repossession company PN Restaurants/Concessions UP Cellular and paging services TZ Collections — non specific PP Pest control UR Waste recyclinggiandlers PR Country clubs US Sat elliteTV/Direct ZA Auto reseller PS Employment screening broadcast providers ZB Credit report brokers PZ Personal service (nonmedical) — UT Local telephone service provider ZC Credit reporting agencies ionspecif ic UV Home security company ZD Direct-to-consumer reseller UW Wireless telephone service provider ZE Employment reseller QZ Mail-order houses — nonspecific UZ Utilities and fuel — nonspecific ZF Finance reseller ZI Insurance reseller RA Apartments VC City and county ZL Leasing and rental reseller RC Office leasing VF Federal government ZM Manufacturing RD Mobile home dealers VK Child support sei vices 2P Personal service reseller RE Real-estate sales and rentals VL Law enforcement ZR Retail not elsewhere classified RH Hotels VS State government ZS Services not elsewhere classified RM Motels VX Court codes 2T Tenant screeners reseller RP Mobile home park VZ Government —nonspecific 2W Wholesale not elsewhere classified RR Property and property ZY Collection reseller management company WA Automotive supplies ZI All others not elsewhere classified RI Real-estate/public accommodations — nonspecific WB Building supplies/Hardware WC Clothing and dry goods WD Drugs. chemicals and related goods SA Aircraft sales and service SB Boats and marinas sales and service WG Wholesale grocery and related products SM Motorcycles and bicycles sales and service WH WM Home furnishings Machinery, equipment supplies Si Sporting goods —nonspecific WP Credit card processors W2 Wholesale —nonspecific TC Farm chemicals and fertilizer stores TF Feed and feed stores XO Direct-mail list services TN Nursery and landscaping XL List processing vendors Ti Farm and garden supplies/ services — nonspecific XM KZ Media Advertising — nonspecific UA UC Water utilities/Bottled water CableTV providers YA Collection department —ACB credit bureau UO Garbage and rubbish disposal Ye Collection department — bank UE Electric light and power company Ye Other collection agencies OF UG Fuel oil distributors Gas company, natural and bottled TO Collection department — department store UH Coal and wood suppliers YF Collection department — loan company 7 EFTA00134141 Special comment codes Code Descri it nn C F H 1 ;ft O AS AC AF AG AH Al :F.G1 AI. ,t! AN An AP AS AT Account payments being managed by financial counseling service Paid by cosigner Primary maker filed bankruptcy Secondary maker tiled bankruptcy Account closed due to transfer or refinance Assignor —loan has been assumed by another party Election of remedy — reported by subscriber Account closed at credit grantors request Transferred to another lender Special handling — contact subscriber if more information is needed Adjustment pending — reported by subscriber Debt being paid through Insurance Paying under a partial or modified payment agreement Single payment loan Simple interest loan Purchased by another lender Recalled to military active duty Payroll deduction Student loan permanently assigned to government Account payments assured by wage garnishment Account acquired by RTC/FDIC/NCUA Voluntarily surrendered — then redeemed Credit line suspended Contingent liability Account closed due to refinance Account closed due to transfer Code Description ,43as1/2, Account legally paid in full for less than the full balance AV. First payment never received AW Affected by natural or declared disaster AX Account paid by collateral AY Now paying AZ Redeemed repossession BA Transferred to recovery SB Full termination/status pending SC Full termination/obligation satisfied BD Full termination/balance owing BE Early termination/status pending SF Early termination/obligation satisfied SG Early termination/balance owing BH Early termination/insuiance loss Bt Involuntary repossession 8.1 Involuntary repossession/obligation satisfied ex Involuntary repossession/balance owing BE Credit card lost or stolen ON Paid by company who originally sold the merchandise BO Foreclosure proceeding started BP Paid through insurance BS Prepaid lease BT Principal deferred/interest payment only CH Guaranteed/insured CI Closed due to inactivity DM Acquired from another lender MR Substitute/replacement account Compliance condition codes XB = Account information disputed by consumer XC = Completed investigation of Fair Credit Reporting Act (FCRA) dispute—consumer disagrees XD = Account closed al consumer's request and in dispute under FCRA XE = Account closed at consumer's request and dispute investigation completed — consumer disagrees XF = Account in dispute under Fair Credit Billing Act (FCBA) XG = FCBA dispute resolved — consumer disagrees XH = Account previously in dispute —now resolved. reported by credit grantor XJ = Account closed at consumer's request and in dispute under FCBA X2 = Account closed al consumer's request Espenan 4/5 Anion Blvd. Costa Mesa. CA 92626 T: I VS 414 1120 www:m0mmo.corn Expolian Inform May. Solo.oris. In.. • Al typists italay.1 Ulkle.1 and Si mad•••• tor., hetet. re rnaoLs or tagellarid friflornamlie or Fopome S•Mulions O69a soraity nwt•ts nitml.onui !Kies sin sy b. dui Nsfrif ovio, inrassa • ww.c.cs EFTA00134142 Credit Profile Report Unsurpassed data precision and file coverage • •• • •••• 6:•• 65 Experian ••• ••• • The best decisions begin with the best information. The Credit Profile Report from Experian offers unparalleled accuracy and superior data quality generated by the File One system. 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