P.O.

Box 54807

BILLING STATEMENT
Los Angeles, CA 90054-0807
(888) 739-9192
ELECTRONIC SERVICE REQUESTED

Your Web ID: 24987299 Customer Service: (888) 739-9192

myaccount.westlakefinancial.com Mon-Fri: 5am-9pm|Sat and Sun: 5am-2pm (all times Pacific)

Account number: 16154410

Statement Date Due Date Amount Due
JOYCE C DA SILVEIRA
12/14/2022 01/03/2023 $451.11
9024 CLOISTERS W
HENRICO, VA 23229 Amount of $378.59
will be deducted on 01/03/23

Payoff Progress Current Payment Breakdown PayNearMe

You have made
18 of 54 payments!
Amount Left to Pay:
$9,731.53
Terms Paid:
Remaining Term:
*Payoff amount as of 01/01/2023
Previous Transaction Detail
PAST DUE: $0.00 Pay with Cash
CURRENT AMOUNT DUE: $378.59
CVS Pharmacy Instructions
UNPAID LATE CHARGES: $0.00 1. Scan barcode.
UNPAID NSF FEES: $72.52 2. Ask customer how much they want to pay
3. Enter amount
UNPAID TAXES/ OTHER $0.00
4. Collect cash payment and provide receipt.
18 INSURANCE CURRENT DUE: $0.00
36 INSURANCE PAST DUE: $0.00
TOTAL AMOUNT DUE $451.11 T7ETRD
BY 01/03/2023
PayNearMe fee will be added.
Subject to PayNearMe, Inc. terms of
use at www.paynearme.com.
(888) 714-0004 for cash payment help.
Payments post following business day

12/03/2022 PAYMENT $378.59 Store Associate Instructions

1. Ask customer amount to load.
2. Press LOAD button.
3. Scan barcode and collect cash payment.
4. Return this bill and receipt to customer.

T7ETRD

(See back for important messages and payment informaton)

Detach here and send this coupon with your payment. Retain top portion for your records. Please do not send correspondence with your payment.

01016154410000451112

JOYCE C DA SILVEIRA ACCOUNT NUMBER DUE DATE AMOUNT DUE

9024 CLOISTERS W 16154410 01/03/2023 $451.11
HENRICO, VA 23229
Amount of $378.59

WESTLAKE FINANCIAL SERVICES will be deducted on 01/03/23

P.O. Box 54807
Los Angeles, CA 90054-0807
PAYMENT OPTIONS: (Please write your account number on all checks and include the tear-off portion of this statement with all payments.)
1) Automatic Withdrawal: Automatic withdrawal from your checking account monthly is available at no cost.
Call(888)739-9192 to enroll.
2) Online Payments: Checks and debit card payments made online, may be assessed a processing fee of $5.00 by the third party payment
processor. Visit myaccount.westlakefinancial.com.
3)Phone Payments: Checks and debit card payments made using the automated phone system or online, may be assessed a processing
fee of $5.00 by the third party payment processor, ACI. Call toll free (888) 739-9192 (automated system for phone payments).
4) Regular Mail: Send check, money order, or cashier’s check to the address listed above under
“Standard Mail Payment (regular mail).”
5) Overnight/Express Delivery: Send check, money order, or cashier’s check to the address listed above under
“Overnight/Express delivery.”
6) In-Person: Pay with cash at 7-Eleven or CVS (7-Eleven or CVS may asses a fee) visit www.paynearme.com/westlake to learn more.
7) Money Transfer: (A fee is charged by the provider) MONEYGRAM: Call (800) MONEYGRAM. Code = 2603

PAYMENTOPTIONSAND ADDITIONALINFORMATION
QUESTIONS OR COMPLAINTS: To report a problem related to your account or the level of service received please contact us; 1) Via Email
WestlakeCustomerCare@westlakefinancial.com; 2) Via standard mail at the correspondence mailing address listed above; 3) Toll free at 888-739-9192.
LATE CHARGES: Avoid late charges by making your payment for the total amount due on or before the due date. Please allows 5-7 business days for
mailing time. Payments will be credited to your account as of the day they are received; however, they may not be posted to your account until the next
business day.
NOTICE TO CONSUMER ABOUT NEGATIVE CREDIT REPORTING: Federal law requires us to advise you that we may report information about your account
to the credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. To report an issue
related to credit reporting, please email us at CreditBureaus@westlakefinancial.com
Notice to California Consumers: As required by law, 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.
PAYMENT IN FULL: Any check or payment instrument in an amount less than the total amount you owe that you send us marked as “PAID IN FULL” will
be deposited and credited to your account but will not obligate us to release you from your debt unless the payment is sufficient to fully satisfy all
amounts you owe with us as of the pay date we receive such payment.
Other Fees: Other fees may consist of unpaid fees, penalties, and expenses incurred on your vehicle. These fees and expenses include (depending on your
state), but are not limited to taxes, repossession, and legal fees. Please refer to your retail installment sales contract for details and repayment obligations
Benefits for Military Personnel: You may be eligible for an interest rate limitation of 6%: under the Servicemembers Civil Relief Act (SCRA) if your credit
was originated prior to your active duty date. Other protections are also available to military personnel and dependents under the SCRA. To request
this benefit, submit a copy of your Active Duty Orders and a written request for interest rate limitation, by: mail to: P.O. Box 76809 Los Angeles, CA
90076, email to Military@westlakefinancial.com or fax to 1-323-954-5486. Please include your account number on all correspondence.
How payments are applied: Unless otherwise required by state law or your retail installment sale contract, payments are first credited to unpaid
finance charges, then to the outstanding principal balance, then to any outstanding fees. Finance charges accrue from the date your previous payment
posted until the date your next payment is received.
Fair Debt Collection Practices Act Disclosure: If your account is currently in default, this is an attempt to collect a debt and any information obtained
will be used for that purpose. However, if you have received a discharge and the account was not reaffirmed in the bankruptcy case, we will only
exercise our right as against the property and are not attempting to collect the discharged debt from you personally.

CONTACT INFORMATION (Please write your account number on all correspondence and use the appropriate address below.)

CORRESPONDENCE - DO NOT SEND PAYMENT STANDARD MAIL PAYMENT (regular mail)

Westlake Financial Services Westlake Financial Services
P.O. Box 76809 P.O. Box 54807
Los Angeles, CA 90076-0809 Los Angeles, CA 90054-0807

OVERNIGHT/EXPRESS DELIVERY ONLY (FedEx®, UPS®, etc.) CUSTOMER SERVICE PHONE NUMBER
- Send check, money order, or cashier’s check to: (All times listed are Pacific):
Westlake Financial Services Lockbox Services Tel: (888) 739-9192
Attn: LBX# 73082 Mon – Fri 5am-9pm | Sat and Sun: 5am-2pm
3440 Flair Drive El Monte, CA 91731 * All calls may be recorded or monitored for quality assurance
*** Make checks payable to Westlake Financial *** and training purposes*

NOTICE ABOUT ELECTRONIC CHECK CONVERSION: When you provide a check as payment, you authorize us either to use information from your check
to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your
check to make an electronic funds transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will
not receive your check back from your financial institution. In the event a check is not honored or is returned or is returned unpaid, we may re-present
the check electronically as described here.

For questions, call Westlake Customer Service at (888) 739-9192.

CHANGE OF ADDRESS ORTELEPHONE NUMBER:

Check the appropriate box Mailing Address Telephone Number
Name:
New Address:

Email:
Signature Required:
Telephone #: Home ( )
Work ( )
Cell ( )
 Rev. October 2022

WHAT DO WFS, WCC, WFI, and WESTLAKE DIRECT (collectively “US,”

FACTS “WE,” or “OUR”) DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the
right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and
protect your personal information. Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have
with us. This information can include:
▪ Social Security number and income;
▪ account balances and payment & transaction history;
▪ credit scores and phone numbers.
How? All financial companies need to share customers’ personal information to run their everyday businesses.
In the section below, we list the reasons financial companies can share their customers’ personal
information, the reasons we choose to share, and whether you can limit this sharing.

Reasons we can share your personal information Do we share? Can you limit this sharing?

For everyday business purposes—

such as to process your transactions, maintain Yes No
your account(s), respond to court orders and legal
investigations, or report to credit bureaus
For marketing purposes— Yes No
to offer our products and services to you
For joint marketing with other financial companies Yes No

For our affiliates’ everyday business purposes— Yes No

information about your transactions and experiences
For our affiliates’ everyday business purposes— Yes Yes
information about your creditworthiness
For our affiliates to market to you Yes Yes

For nonaffiliates to market to you Yes Yes

To limit ▪ Mail the form below, or

our sharing ▪ Call toll free as follows: WFS 888-739-9192; WCC 800-589-0290; WFI 888-434-5913; and
Westlake Direct 888-960-7680.
Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent
this notice. When you are no longer our customer, we continue to share your information as
described in this notice. However, you can contact us at any time to limit our sharing.

Call toll free as follows: WFS 888-739-9192; WCC 800-589-0290; WFI 888-434-5913; and
Questions?
Westlake Direct 888-960-7680.

Mail-in Form
Mark any you want to limit:
□ Do not share information about my creditworthiness with your affiliates for their everyday business purposes.
□ Do not allow your affiliates to use my personal information to market to me.
□ Do not share personal information with nonaffiliates to market to me.
Name Mail to:
Westlake Financial Services
Address
c/o WFS, WCC, WFI, or Westlake Direct
P.O. Box 76809
City, State, Zip Los Angeles, CA 90076-0809
Account Number:
Page 2
Who we are
Who is providing this notice to Westlake Services, LLC dba Westlake Financial and Westlake Financial Services
you? (“WFS”); Wilshire Commercial Capital L.L.C. dba Wilshire Consumer Credit,
LoanCenter, www.Loancenter.com, INeedCashNow, www.INeedCashNow.net,
1800CarTitle, www.1800CarTitle.com, and 1800CarTitleLoan (collectively “WCC”);
Western Funding Incorporated (“WFI”); and Westlake Direct, LLC (“Westlake Direct”).

What we do
How do we protect your To protect your personal information from unauthorized access and use, we use
personal information? security measures that comply with federal law. These measures include computer
safeguards and secured files and buildings.
How do we collect your We collect your personal information, for example, when you:
personal information? ▪ give us your contact information;
▪ apply for financing or apply for a loan;
▪ pay your bills or provide account information.
We also collect your personal information from others, such as credit bureaus, affiliates,
or other companies.
Why you can’t limit all sharing? Federal law gives you the right to limit only:
▪ sharing for affiliates’ everyday business purposes—information about your
creditworthiness;
▪ affiliates from using your information to market to you;
▪ sharing for nonaffiliates to market to you.
State laws and individual companies may give you additional rights to limit sharing.
See below for more on your rights under state law.
What happens when you limit Your choices will apply to everyone on your account.
sharing for an account you
hold jointly with someone
else?

Definitions
Affiliates Companies related by common ownership or control. Our affiliates include financial companies such as
WFS; WCC; WFI; Westlake Direct; Toyota of North Hollywood; Midway Rent a Car, Inc.; Knight
Management Insurance Services, LLC; Knight Insurance Company; KnightBrook Insurance Company;
CULA, LLC; US Insurance Services, LLC dba Onward Insurance Services; Nowpay, LLC; and Covered
Care, LLC; and nonfinancial companies such as Nowcom Corporation and GlobalTrack GPS, LLC.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial
companies. Nonaffiliates we share with can include financial companies, nonfinancial companies, auto-
related companies, and marketing analytics companies.
Joint A formal agreement between nonaffiliated financial companies that together market financial products or
marketing services to you. Our joint marketing partners can include dealerships with whom we have a business
relationship.
Other important information
California residents only: California residents have additional rights to limit sharing. Please see the enclosed “Important
Privacy Choices for Consumers” notice provided to you describing your right to control sharing. Also, we will not disclose
your personal information to nonaffiliated third parties unless you authorize us to make those disclosures.

Vermont residents only: We will not disclose your personal information, financial information, credit report, or health
information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us
to make those disclosures.