Preview
FILED: SARATOGA COUNTY CLERK 11/02/2021 10:03 AM INDEX NO. EF2021944
NYSCEF DOC. NO. 15 RECEIVED NYSCEF: 11/02/2021
.eF"
Exhibit
FILED: SARATOGA COUNTY CLERK 11/02/2021 10:03 AM INDEX NO. EF2021944
NYSCEF DOC. NO. 15 RECEIVED NYSCEF: 11/02/2021
Blue Cash Preferred@ from American Express p. 1/B
KRISTY RAMA
Closing Date 06/18/19 Account Ending 6-01009
Reward Dollars
New Balance $9,609.35 asof 05/20/20'19
Minimum Payment Due $2s4.00 8.75
El For more details about Rewards, visit
*- americanexpress,com/cashbackrewards
Payment Due Date 07 t13t1.9* Account Summary
t Late P"y.ent Warning: lf we do not receive your Minimum Payment Due by Previous Balance $9,231.84
the Payment Due Date of 07/'13/19,you may have to pay a late fee of up to Payments/Credits -$260.00
$38.00 and your APRs may be increased to the Penalty APR of 29.99o/o. New Charges +$478.1 3
Fees +$0.00
lnterest Charged +$ 159.38
Minimum Payment Warning: lf you make only the minimum payment each period, New Balance $9,609.35
you will pay more in interest and it willtake you longer to pay off your balance. For Minimum Payment Due $2s4.00
example:
Credit Limit $10,000,00
lf you make no additional You will pay offthe balance And you will pay an Available Credit $390.6s
charges and each month you shown on th is statement in estimated total of...
pay...
Cash Advance Limit $2,000.00
about...
Available Cash $390.6s
Only the Days in Billing Period: 30
22yearc $24,s32
Minimum Payment Due
$12,9s3 Customer Care
$360 3 years (Sovings = $1 1,579)
lf you would like information
about credit counseling services,
call 1 -8BB-733-41 39. E Pay by Computer
americanexpress.com/pbc
Customer Care Pay by Phone
See page 2 about your account.
for important information
D 1-888-258-374'l 1-800-472-9297
p S"e Page 2 for additional information.
New York Residents: New York Residents may contact the New York State
Department of Financial Servicesby telephone or visit its website for free
information on comparative credit card rates, fees, and grace periods.
New York
1 -800-342-3736 or www.dfs.ny.gov.
Department of Financial Services:
Ff See page 5 for an lmportant Notice About Changes to Your
Cardmember Agreement.
Continued on page 3
g Please fold on the perforation with your payment+
below, detach and return
E B:tsil,[!i"'3'.1le paper crips E 3;.'"1*:il?li,li","roo, Aiur1yrir:{r3,
Account Endlng 6-01009
Enter 15 digit account
# on all payments.
Make check payable to AmericanExpress.
KRISTY RAMA Payment Due Date
25 RED COACH TRL 07113119
BALLSTON SPA NY 12020-2740
New Balance
$9,609.35
Minimum Pavment Due
'$2s4.00
lllllll,lllll,'!llrgl1lll,rlllllrll'lllhl'l'l1tll,ll11,ll,,,rl;
Check here if your address or AMERICAN EXPRESS $
phone number has changed. P.O. BOX 1270 Amount Enclosed
Note changes on reverse side NEWARK NJ 07101-1270
Bn003q111eq0h30I00B UU01h0335E0U0e5LlUU l,5 r{
FILED: SARATOGA COUNTY CLERK 11/02/2021 10:03 AM INDEX NO. EF2021944
NYSCEF DOC.
KRISTYNO. 15
RAMA RECEIVED NYSCEF: 11/02/2021
Account Ending 6-01009 p.2lB
Payments: Your payment must be sent to the payment address shown on your statement and must be received by 5 p.m. localtime
at that address
as of the day it is received. Payments we receive after 5 p.m. will not be credited to your Account until the next day. Payments must
to be credited
also: (1) include the remittance coupon from your statement; (2) be made with a single check drawn on a US bank and payable in US dollars, or with a
negotiable instrument the US banking system; and (3) include your Account number.
payable in U5 dollars and clearable through lf your payment
does not meet all of the above requirements, crediting
may be delayed and you may incur late payment fees and additional interest charges.
payments must be made through an electronic payment method
Electronic payable in U5 dollars and clearable through the US banking system. lf we
accept payment in a foreign currency, we will convert it into US dollars at a conversion rate that is acceptable
to us, unless a particular rate is required
by law. Please do not send post-dated checks as they will be deposited upon receipt. Any restrictive language
on a payment we accept will have no
We will re-present
effect on us without our express prior written approval, any payment that is returned unpaid.
to your financial institution
Permission for Electronic
Withdrawal: (1) When you send a check for payment. you give us permission
to electronically withdraw your payment
We will process checks electronically by transmitting
from your deposit or other asset account. the amount of the check, routing number,
account
number and check serial number to your financial institution,
unless the check is not processable electronically or a less costly process
is available.
When we process your check electronically, your payment may be withdrawn
from your deposit or other asset account as soon as the same day we
receive your check, and you will not receive that cancelled
check with your deposit or other asset account
statement. lf we cannot collect the funds
electronically we may issue a draft against your deposit or other asset account for the amount of the check. (2) By using Pay By Computer, Pay By
Phone or any other electronic payment service of ours, you give us permission
to electronically withdraw
funds from the deposit or other asset
account you specify in the amount you request. Payments using such services of ours received after 8:00 p.m. MST may not be credited until the next
day'
How We Calculate Your Balance: We use the Average Daily Balance (ADB) method (including new transactions)
to calculate the balance on which
we charge interest on your Account, Call the Customer
Care number listed below for more information
about this balance computation
method and
how resulting interest charges are determined
.The method of interest.
we use to figure the ADB and interest results in daily compounding
Paying Interest: Your due date is at least 25 days after the close of each billing period. We will not charge you interest on your purchases if you pay
each month your entire balance (or Adjusted Balance if applicable) by the due date each month. We will charge you interest on cash advances and
(unless otherwise disclosed) balance transfers
beginning on the transaction date.
Foreign Currency Charges: lf you make a Charge in a foreign currency, we will convert it into US dollars on the date we or our agents process it.
We wilf charge afee o12.7oo/o of the converted US dollar amount. We will choose a conversion rate that is acceptable
to us for that date, unless a
particular rate is required by law. The conversion rate we use is no more than the highest official rate published by a government agency or the
highest interbank rate we identify from customary banking sources on the conversion date or the prior business day, This rate may differ from rates
in effect on the date of your charge. Charges converted by establishments (such as airlines) will be billed at the rates such establishments
use.
Credit Balance: A credit balance (designated CR) shown on this statement represents
money owed to you. lf within the six-month period following
the date of the first statement indicating the credit balance you do not request a refund or charge enough to use up the credit balance, we will send
you a check for the credit balance within 30 days if the amount is $ 1 .00 or more. To request a refund, contact us at the address or phone number as
noted below for CustomerCare & Billing lnquiries.
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.
'l-888-258-3741 Hearinglmpaired
E fltll*lf:ie$'t"H "s
nqu i ries
I
Large Print & Braille Statements
1-336-393-1111 fiY:1-800-221-9950
1-888-258-3741 FAX: 1-623-707-4442
EI Website: americanexpress.com
Cash Advance at ATMs lnquiries 1-800-CASH-NOW ln NY:'l -800-522-1
897 Customer Care
& Billing lnquiries Payments
P.O. BOX 98153s P.O. BOX i270
EL PASO, TX NEWARK NJ 07101-
79998-1s3s 't270
Change of Address
lf correct on front, do not use.
.To change your address online, visit www.americanexpress.com/updatecontactinfo
Pay Your Billwith AutoPay
.For Name, Company Name, and Foreign Address or Phone changes, please call Customer Care. . Avoid late fees
IPlease print clearly in blue or black ink only in the boxes provided. . Save time
Deduct your payment from your bank
Street Address account automatically each month
City, State
Zip Code
Area Code and
Home Phone
Area Code and
Work Phone on how we protect your
For information
privacy and to set your communication
Email and privacy choices, please visit
www.americanexpress,com/privacy,
FILED: SARATOGA COUNTY CLERK 11/02/2021 10:03 AM INDEX NO. EF2021944
NYSCEF DOC. NO. 15
Blue from American Express RECEIVED NYSCEF: 11/02/2021
Cash Preferred@ p. 3/B
KRISTY RAMA
Closing Date 06/18/19 Account Ending 6-01009
n
td See page 7 lmportant
fior Changes to Your Account Terms.
Did you know?
You can choose to have all or part of your bill paid automatically from
your bank account each month. Enroll today in AutoPay at
americanexpress.com/a utopay
Payments and Credits
Summary
Total
Payments -$260.00
Credits $o.oo
Total Payments and Credits -$260.00
Dgtail *lndicates posting date
Payments Amount
06/13/19* ONLINE PAYMENT - THANK YOU -$260.00
New Charges
Summary
Total
Total NewCharges $478.13
Detail
H KRISTY RAMA
Card Ending 6-01009
Amount
05/30/19 JAIME KING Schenectady NY $7s.00
squareup,com/receipts
06/02/19 TH ECABANA 1 467 024399
27 00't LONG BEACH NY $29.00
516-889-1 345
06/06/19 THE HOT YOGA SPOT 4368455 557 1 47 31 ALBANY NY $1s.00
5189448534
06/08/19 HAN NAFORD #8394 000000000928394 BALLSTON SPA NY $89.47
5188856384
06/12/19 THE HOT YOGA SPOT 436845555714731 ALBANY NY $200.00
5189448534
06/15/19 HAN NAFORD #8394 000000000928394 BALLSTON SPA NY $69.66
s188856384
Fees
Amount
Total Fees for this Period $0.00
Continued on reverse
FILED: SARATOGA COUNTY CLERK 11/02/2021 10:03 AM INDEX NO. EF2021944
NYSCEF DOC.
KRISTYNO.
RAMA15 Accou nt Ending 6-0'1 009
RECEIVED NYSCEF: 11/02/2021
p.4lB
lnterest Gharged
Amount
06/18/19 lnterest Charge on Purchases $89.03
06/'lB/19 lnterest Charqe on Promotional
Balances $70.3s
Total lnterest Charged for thls Period $1s9.38
About Trailing lnterest
You may see interest on your next statement even if you pay the new balance in full and on time and make no new charges. This is called "trailing
interest." Trailing interest is the interest charged when, for example, you didn't pay your previous balance in full. When that happens we charge
interest from the first day of the billing period until we receive your payment in full. You can avoid paying interest on purchases by paying your
Agreement for details.
balance in full and on time each month. Please see the "When we charge interest" sub-section in your Cardmember
2019 Fees and lnterest Totals Year-to-Date
Amount
Total Fees in 2019 $27.00
Total lnterest in 201 9 $916.20
lnterest Charge Calculation
Your Annual PercentageRate (APR) is the annual interest rate on your account,
Transactions Dated Annual Balance lnterest
Percentage Subject to Charge
From To Rate Rate
Purchases 04/07/2019 29.99%(v) $322.12 $7.94
Purchases 1"t/28/2016 04/06/2019 20.24%(v) $4,870.15 $81.09
Cash Advances 04/07/2019 29.99V0 (v) $0.00 $0.00
lntroductoryPurchase 11/28/2016 12/19/2017 20.24o/o(v) $4,225.27 $70.3s
Rate Expired
Total $1s9.38
(v) Variable Rate
FILED: SARATOGA COUNTY CLERK 11/02/2021 10:03 AM INDEX NO. EF2021944
NYSCEF DOC. NO.
Blue15Gash Preferred@ from American Express RECEIVED NYSCEF: 11/02/2021
p. 5/B
KRISTY RAMA
Closing Date 06/18/19 Account Ending 6-01009
Notice of lmportant Change to Your Account Term
We are making a change to your Account Term referenced in this notice. We encourage you to read
this notice, share itwith Additional Card Members on your account, and fileitfor future reference.
The detailed change to your Account Term can be found after the below summary chart.
lmportant Ghange to Your Account Term
The following is a summary of the change that is being made to your Account Term. The
detailed change to your Account Term can be found below.
We are increasing the Cash Advance Fee to the greater of $10 or Soh of the cash advance
transaction. This change will occur to your account on August 07,2019.
How to avoid the change: You have the right to reject this change. lf you do reject the
change, your account will be cancelled and you will not be able to use your account for
new transactions. lf you cancel, you will receive a prorated refund of your annualfee. You
must reject this change by calling us at 1-855-865-1451 or by calling us collect at
1-336-291-1361 no later than 5:00 pm Eastern time on August 06, 2019.
Transaction Fees
Cash Advance Either $10 or 5'/o of the amount of each cash
advance, whichever is greater.
lD 12779
Summary of Change, as of August 07,2419
Cash Advance The cash advance fee will be 5o/o of the cash advance transaction
(including fees charged by the ATM operator, if any), with a minimum of
$'10. We will add this fee to the Cash Advance balance.
Please see /he reverse side for the Detail of Change to your Cardmember Agreement.
ttrNt^nDDt tcnn4n
^n
FILED: SARATOGA COUNTY CLERK 11/02/2021 10:03 AM INDEX NO. EF2021944
NYSCEF DOC.
KRISTYNO. 15
RAMA Account Ending 6-01009 RECEIVED NYSCEF: 11/02/2021
p. 6/8
Detail of Change to Your Cardmember Agreement
This notice amends your American Express Cardmember Agreement ("Agreement") as described
below. Any terms in the Cardmember Agreement conflicting with this change are completely replaced
Terms not changed by this notice continue to apply. lf you have any questions, please call the
number on the back of your Card.
Effective August 07,2019, your Cardmember Agreement will be amended as follows:
Fees
The Rafes and Fees Table on Page 1 of Part 1 of the Cardmember Agreement is amended by
deleting the Cash Advance row in the Transaction Fees row under Fees and replacing it with the
following:
Transaction Fees
Cash Advance Either $10 or 5% o'f the amount of each cash
advance, whichever is greater.
Fees
fhe How Rafes and Fees Work Table on page 2 of Part 1 of the Cardmember Agreement is amended
by deleting the Cash Advance row in the Fees row and replacing it with the following:
Cash Advance 5% of the cash advance transaction (including fees
charged by the ATM operator, if any), with a minimum
of $10. We will add this fee to the Cash Advance
balance.
FILED: SARATOGA COUNTY CLERK 11/02/2021 10:03 AM INDEX NO. EF2021944
NYSCEF DOC. NO.
Blue15Gash Preferred@ from American Express RECEIVED NYSCEF: 11/02/2021
p.718
KRISTY RAMA
Closing Date 06/18/19 Account Ending 6-01009
Notice of lmportant Ghanges to Your Account Terms
We are making changes to your American Express Cardmember Agreement referenced in this notice. We
encourage you to read this notice, share it with Additional Card Members on your account, and file it for future
reference. The detailed changes to your Cardmember Agreement can be found after the below summary chart.
lmportant Changes to Your Account Terms
The following is a summary of the changes that are being made to your account terms effective on
September 1,2019. For more detailed information, please see the Detail of Changes toyour Cardmember
Agreement that can be found on the following page.
The late payment fee and returned payment fee will be changed from a maximum of $38 to a maximum of
$gg. tn addition, the firsttime a payment isnot received by the Payment Due Date or returned unpaid by
your bank, the fee will now be $28.
For Card Members with a billingaddress in Puerto Rico, effective September 1,2019, if we do not receive
your Minimum Payment Due by the Payment Due Date, you may be assessed a late fee, regardless of
whether you have ever previously been assessed a late fee.
Late Payment Fee Up to $39.
Returned Payment Fee Up to $39.
lD 12738
Please see reyerse side for the Detail of Changes to Your Cardmember Agreement.
CMLENDDMRUSO3O8
FILED: SARATOGA COUNTY CLERK 11/02/2021 10:03 AM INDEX NO. EF2021944
NYSCEF DOC.
KRISTY
NO. 15
RAMA Account Ending 6-01009 RECEIVED NYSCEF: 11/02/2021
p. 8/8
Detail of Changes to Your Gardmember Agreement
This notice amends your American Express Cardmember Agreemenl (" Agreemenf') as described below. Any
terms in the Cardmember Agreement conflicting with this change are completely replaced. Terms not changed by
this notice continue to apply. lf you have any questions, please call the number on the back of your Card.
Late Payment Fees and Returned Payment Fees
Effective September 1,2019, the Fees section on page 1 of Part 1 of the Cardmember Agreement is amended
by deleting the Late Payment and Return Payment fees under the Penalty Fees subsection and replacing it with
the
Penalty Fees
Late Payment Up to $3e
Returned Up to $3e
Payment
Late Payment Fee
Effective September 1,2019, the Fees section on page 2of Parl l of the CardmemberAgreement is amended
in the Lafe P-ayment row by replacing each instance of "$27" with "$28" and replacing each instance of "$38" with
'$39."
Returned Payment Fee
Effective September 1,2019, the Fees section on page 2 of Part 1 of the Cardmember Agreement is amended
in the Refurn ed Payment row by replacing each instance of "$27" with "$28" and replacing each instance of "$38"
with "$39."
CMTENDDMRUSO3OB
FILED: SARATOGA COUNTY CLERK 11/02/2021 10:03 AM INDEX NO. EF2021944
NYSCEF DOC. NO. 15 RECEIVED NYSCEF: 11/02/2021
Blue Cash Preferred@ from American Express p.
114
AffiNM$
KRISTY RAMA
closing Date 07119/19 Account Ending 6-01009
Reward Dollars
New Balance $9,838.50 as of 06/20/2019
Minimum Payment Due 16,71
$271.00
El
*- visit
For more details about Rewards,
americanexpress,com/cashbackrewards
Payment Due Date o&tlu19* Account Summary
* Late Payment Warning: lf we do not receive your Minimum Payment Due by Previous Balance $e,609,3s
the Payment Due Date of A8/13/19,you may have to pay a late fee of up to Payments/Credits -$254.00
$38.00 and your APRs may be increased to the Penalty APR of 29.99o/o. New Charges +$308.43
Fees +$0.00
lnterest Charged +$174.72
Minimum Payment Warning: lf you make only the minimum payment each period, New Balance $9,838.50
and it will take you longer to pay off your balance. For
you will pay more in interest Minimum Payment Due $271.00
example:
Credit Limit $10,000.00
lf you make no additional You will pay off the balance And you will pay an AvailableCredit $161 .s0
charges and each month you shown on this statement in estimated total of...
Cash Advance Limit $2,000.00
pay... about...
AvailableCash $161.s0
Only the Days in Billing Period: 31
22yearc $2s,1 39
Minimum Payment Due
$13,261 Customer Care
$368 3 years (Savings = $1 1,878)
lil
Sl
P.y by Computer
americanexpress.com/pbc
lf youwould like information call 1-888-733-41
about credit counseling services, 39.
about your account.
CustomerCare PaybyPhone
E See page 2 for important
information 'l-888-258-3741 1-800-472-9297
Q s""Page 2 for additional information
(i)
\:/ New York Residents: New York Residents may contact the New York State
Department of Financial Services by telephone or visit its website for free
information on comparative credit card rates, fees, and grace periods. New York
Department 36 or www.dfs.ny.gov.
of Financia I Services: 1 -800-342-37
Continued on page 3
fold on the perforation below, detach and return with your payment+
.1, Please
EI 3:tsi#ffr,11,e papercrips E 3r"l*:ll?J!r,",lo'rpn, A Pay by Phone
1-800-472-9297
Account Ending 6-01009
Enter 15 digit account # on all payments.
Make check payable to American Express.
KRISTY RAMA Payment Due Date
25 RED COACH TRL oan3l19
BALLSTON SPA NY 12020-2740
New Balance
$9,838.50
Minimum Pavment Due
's271.OO
ll1lgl,rg111r11,n1lllpg1,rrll,,l1ll,,,r1ll1,lll,ll,,1gllll,lll,
Check here ifyour address or AMERICAN EXPRESS $
phone number has changed. P.O. BOX 1270 Amount Enclosed
Note changes on reverse side. NEWARK NJ 07101-1270
0nnB3q111eq0t30t00n 000143850000n471,00 15 11
FILED: SARATOGA COUNTY CLERK 11/02/2021 10:03 AM INDEX NO. EF2021944
NYSCEF DOC. NO. 15 RECEIVED NYSCEF: 11/02/2021
KRISTY RAMA Account Ending 6-01009 p.214
Payments: Your payment must be sent to the payment address shown on your statement and must be received by.5.p,m. local time at that address
to be credited as of ihe day it is received. Payments we receive after 5 p.m, will not be credited to your Account until the next day. Payments must
(2) be made with a single check drawn on a US bank and payable in U5 dollars, or with
also: (i ) include the remittlnce coupon from your statemenU a
neqotiable instrument the US banking system; and (3) include your Account number. lf your payment
payable in US dollars dnd clearable through
crediting
do6s not meet all of the above requirements, may be delayed and you may incur late payment fees and additional interest charges.
payments must be made through an electronic payment method payable in US dollars and clearable through the US banking system. lf we
Electronic
to us, unless a particular rate.is required
accept paym6nt in a foreign currency, we will convert it into US dollars at a conversion rate that is acceptable
on a payment we accept will have no
by law.'elease do not send post-dated checks as they will be deposited upon receipt. Any restrictive language
We will re-present
prior written approval.
effect on us without our express that is returned unpaid.
to your financial institution any payment
Permission you give us permission
for Etectronic Withdrawal: (1) When you send a check for payment, your payment
to electronically withdraw
Preview
FILED: SARATOGA COUNTY CLERK 11/02/2021 10:03 AM INDEX NO. EF2021944 NYSCEF DOC. NO. 15 RECEIVED NYSCEF: 11/02/2021 .eF" Exhibit FILED: SARATOGA COUNTY CLERK 11/02/2021 10:03 AM INDEX NO. EF2021944 NYSCEF DOC. NO. 15 RECEIVED NYSCEF: 11/02/2021 Blue Cash Preferred@ from American Express p. 1/B KRISTY RAMA Closing Date 06/18/19 Account Ending 6-01009 Reward Dollars New Balance $9,609.35 asof 05/20/20'19 Minimum Payment Due $2s4.00 8.75 El For more details about Rewards, visit *- americanexpress,com/cashbackrewards Payment Due Date 07 t13t1.9* Account Summary t Late P"y.ent Warning: lf we do not receive your Minimum Payment Due by Previous Balance $9,231.84 the Payment Due Date of 07/'13/19,you may have to pay a late fee of up to Payments/Credits -$260.00 $38.00 and your APRs may be increased to the Penalty APR of 29.99o/o. New Charges +$478.1 3 Fees +$0.00 lnterest Charged +$ 159.38 Minimum Payment Warning: lf you make only the minimum payment each period, New Balance $9,609.35 you will pay more in interest and it willtake you longer to pay off your balance. For Minimum Payment Due $2s4.00 example: Credit Limit $10,000,00 lf you make no additional You will pay offthe balance And you will pay an Available Credit $390.6s charges and each month you shown on th is statement in estimated total of... pay... Cash Advance Limit $2,000.00 about... Available Cash $390.6s Only the Days in Billing Period: 30 22yearc $24,s32 Minimum Payment Due $12,9s3 Customer Care $360 3 years (Sovings = $1 1,579) lf you would like information about credit counseling services, call 1 -8BB-733-41 39. E Pay by Computer americanexpress.com/pbc Customer Care Pay by Phone See page 2 about your account. for important information D 1-888-258-374'l 1-800-472-9297 p S"e Page 2 for additional information. New York Residents: New York Residents may contact the New York State Department of Financial Servicesby telephone or visit its website for free information on comparative credit card rates, fees, and grace periods. New York 1 -800-342-3736 or www.dfs.ny.gov. Department of Financial Services: Ff See page 5 for an lmportant Notice About Changes to Your Cardmember Agreement. Continued on page 3 g Please fold on the perforation with your payment+ below, detach and return E B:tsil,[!i"'3'.1le paper crips E 3;.'"1*:il?li,li","roo, Aiur1yrir:{r3, Account Endlng 6-01009 Enter 15 digit account # on all payments. Make check payable to AmericanExpress. KRISTY RAMA Payment Due Date 25 RED COACH TRL 07113119 BALLSTON SPA NY 12020-2740 New Balance $9,609.35 Minimum Pavment Due '$2s4.00 lllllll,lllll,'!llrgl1lll,rlllllrll'lllhl'l'l1tll,ll11,ll,,,rl; Check here if your address or AMERICAN EXPRESS $ phone number has changed. P.O. BOX 1270 Amount Enclosed Note changes on reverse side NEWARK NJ 07101-1270 Bn003q111eq0h30I00B UU01h0335E0U0e5LlUU l,5 r{ FILED: SARATOGA COUNTY CLERK 11/02/2021 10:03 AM INDEX NO. EF2021944 NYSCEF DOC. KRISTYNO. 15 RAMA RECEIVED NYSCEF: 11/02/2021 Account Ending 6-01009 p.2lB Payments: Your payment must be sent to the payment address shown on your statement and must be received by 5 p.m. localtime at that address as of the day it is received. Payments we receive after 5 p.m. will not be credited to your Account until the next day. Payments must to be credited also: (1) include the remittance coupon from your statement; (2) be made with a single check drawn on a US bank and payable in US dollars, or with a negotiable instrument the US banking system; and (3) include your Account number. payable in U5 dollars and clearable through lf your payment does not meet all of the above requirements, crediting may be delayed and you may incur late payment fees and additional interest charges. payments must be made through an electronic payment method Electronic payable in U5 dollars and clearable through the US banking system. lf we accept payment in a foreign currency, we will convert it into US dollars at a conversion rate that is acceptable to us, unless a particular rate is required by law. Please do not send post-dated checks as they will be deposited upon receipt. Any restrictive language on a payment we accept will have no We will re-present effect on us without our express prior written approval, any payment that is returned unpaid. to your financial institution Permission for Electronic Withdrawal: (1) When you send a check for payment. you give us permission to electronically withdraw your payment We will process checks electronically by transmitting from your deposit or other asset account. the amount of the check, routing number, account number and check serial number to your financial institution, unless the check is not processable electronically or a less costly process is available. When we process your check electronically, your payment may be withdrawn from your deposit or other asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your deposit or other asset account statement. lf we cannot collect the funds electronically we may issue a draft against your deposit or other asset account for the amount of the check. (2) By using Pay By Computer, Pay By Phone or any other electronic payment service of ours, you give us permission to electronically withdraw funds from the deposit or other asset account you specify in the amount you request. Payments using such services of ours received after 8:00 p.m. MST may not be credited until the next day' How We Calculate Your Balance: We use the Average Daily Balance (ADB) method (including new transactions) to calculate the balance on which we charge interest on your Account, Call the Customer Care number listed below for more information about this balance computation method and how resulting interest charges are determined .The method of interest. we use to figure the ADB and interest results in daily compounding Paying Interest: Your due date is at least 25 days after the close of each billing period. We will not charge you interest on your purchases if you pay each month your entire balance (or Adjusted Balance if applicable) by the due date each month. We will charge you interest on cash advances and (unless otherwise disclosed) balance transfers beginning on the transaction date. Foreign Currency Charges: lf you make a Charge in a foreign currency, we will convert it into US dollars on the date we or our agents process it. We wilf charge afee o12.7oo/o of the converted US dollar amount. We will choose a conversion rate that is acceptable to us for that date, unless a particular rate is required by law. The conversion rate we use is no more than the highest official rate published by a government agency or the highest interbank rate we identify from customary banking sources on the conversion date or the prior business day, This rate may differ from rates in effect on the date of your charge. Charges converted by establishments (such as airlines) will be billed at the rates such establishments use. Credit Balance: A credit balance (designated CR) shown on this statement represents money owed to you. lf within the six-month period following the date of the first statement indicating the credit balance you do not request a refund or charge enough to use up the credit balance, we will send you a check for the credit balance within 30 days if the amount is $ 1 .00 or more. To request a refund, contact us at the address or phone number as noted below for CustomerCare & Billing lnquiries. 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. 'l-888-258-3741 Hearinglmpaired E fltll*lf:ie$'t"H "s nqu i ries I Large Print & Braille Statements 1-336-393-1111 fiY:1-800-221-9950 1-888-258-3741 FAX: 1-623-707-4442 EI Website: americanexpress.com Cash Advance at ATMs lnquiries 1-800-CASH-NOW ln NY:'l -800-522-1 897 Customer Care & Billing lnquiries Payments P.O. BOX 98153s P.O. BOX i270 EL PASO, TX NEWARK NJ 07101- 79998-1s3s 't270 Change of Address lf correct on front, do not use. .To change your address online, visit www.americanexpress.com/updatecontactinfo Pay Your Billwith AutoPay .For Name, Company Name, and Foreign Address or Phone changes, please call Customer Care. . Avoid late fees IPlease print clearly in blue or black ink only in the boxes provided. . Save time Deduct your payment from your bank Street Address account automatically each month City, State Zip Code Area Code and Home Phone Area Code and Work Phone on how we protect your For information privacy and to set your communication Email and privacy choices, please visit www.americanexpress,com/privacy, FILED: SARATOGA COUNTY CLERK 11/02/2021 10:03 AM INDEX NO. EF2021944 NYSCEF DOC. NO. 15 Blue from American Express RECEIVED NYSCEF: 11/02/2021 Cash Preferred@ p. 3/B KRISTY RAMA Closing Date 06/18/19 Account Ending 6-01009 n td See page 7 lmportant fior Changes to Your Account Terms. Did you know? You can choose to have all or part of your bill paid automatically from your bank account each month. Enroll today in AutoPay at americanexpress.com/a utopay Payments and Credits Summary Total Payments -$260.00 Credits $o.oo Total Payments and Credits -$260.00 Dgtail *lndicates posting date Payments Amount 06/13/19* ONLINE PAYMENT - THANK YOU -$260.00 New Charges Summary Total Total NewCharges $478.13 Detail H KRISTY RAMA Card Ending 6-01009 Amount 05/30/19 JAIME KING Schenectady NY $7s.00 squareup,com/receipts 06/02/19 TH ECABANA 1 467 024399 27 00't LONG BEACH NY $29.00 516-889-1 345 06/06/19 THE HOT YOGA SPOT 4368455 557 1 47 31 ALBANY NY $1s.00 5189448534 06/08/19 HAN NAFORD #8394 000000000928394 BALLSTON SPA NY $89.47 5188856384 06/12/19 THE HOT YOGA SPOT 436845555714731 ALBANY NY $200.00 5189448534 06/15/19 HAN NAFORD #8394 000000000928394 BALLSTON SPA NY $69.66 s188856384 Fees Amount Total Fees for this Period $0.00 Continued on reverse FILED: SARATOGA COUNTY CLERK 11/02/2021 10:03 AM INDEX NO. EF2021944 NYSCEF DOC. KRISTYNO. RAMA15 Accou nt Ending 6-0'1 009 RECEIVED NYSCEF: 11/02/2021 p.4lB lnterest Gharged Amount 06/18/19 lnterest Charge on Purchases $89.03 06/'lB/19 lnterest Charqe on Promotional Balances $70.3s Total lnterest Charged for thls Period $1s9.38 About Trailing lnterest You may see interest on your next statement even if you pay the new balance in full and on time and make no new charges. This is called "trailing interest." Trailing interest is the interest charged when, for example, you didn't pay your previous balance in full. When that happens we charge interest from the first day of the billing period until we receive your payment in full. You can avoid paying interest on purchases by paying your Agreement for details. balance in full and on time each month. Please see the "When we charge interest" sub-section in your Cardmember 2019 Fees and lnterest Totals Year-to-Date Amount Total Fees in 2019 $27.00 Total lnterest in 201 9 $916.20 lnterest Charge Calculation Your Annual PercentageRate (APR) is the annual interest rate on your account, Transactions Dated Annual Balance lnterest Percentage Subject to Charge From To Rate Rate Purchases 04/07/2019 29.99%(v) $322.12 $7.94 Purchases 1"t/28/2016 04/06/2019 20.24%(v) $4,870.15 $81.09 Cash Advances 04/07/2019 29.99V0 (v) $0.00 $0.00 lntroductoryPurchase 11/28/2016 12/19/2017 20.24o/o(v) $4,225.27 $70.3s Rate Expired Total $1s9.38 (v) Variable Rate FILED: SARATOGA COUNTY CLERK 11/02/2021 10:03 AM INDEX NO. EF2021944 NYSCEF DOC. NO. Blue15Gash Preferred@ from American Express RECEIVED NYSCEF: 11/02/2021 p. 5/B KRISTY RAMA Closing Date 06/18/19 Account Ending 6-01009 Notice of lmportant Change to Your Account Term We are making a change to your Account Term referenced in this notice. We encourage you to read this notice, share itwith Additional Card Members on your account, and fileitfor future reference. The detailed change to your Account Term can be found after the below summary chart. lmportant Ghange to Your Account Term The following is a summary of the change that is being made to your Account Term. The detailed change to your Account Term can be found below. We are increasing the Cash Advance Fee to the greater of $10 or Soh of the cash advance transaction. This change will occur to your account on August 07,2019. How to avoid the change: You have the right to reject this change. lf you do reject the change, your account will be cancelled and you will not be able to use your account for new transactions. lf you cancel, you will receive a prorated refund of your annualfee. You must reject this change by calling us at 1-855-865-1451 or by calling us collect at 1-336-291-1361 no later than 5:00 pm Eastern time on August 06, 2019. Transaction Fees Cash Advance Either $10 or 5'/o of the amount of each cash advance, whichever is greater. lD 12779 Summary of Change, as of August 07,2419 Cash Advance The cash advance fee will be 5o/o of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $'10. We will add this fee to the Cash Advance balance. Please see /he reverse side for the Detail of Change to your Cardmember Agreement. ttrNt^nDDt tcnn4n ^n FILED: SARATOGA COUNTY CLERK 11/02/2021 10:03 AM INDEX NO. EF2021944 NYSCEF DOC. KRISTYNO. 15 RAMA Account Ending 6-01009 RECEIVED NYSCEF: 11/02/2021 p. 6/8 Detail of Change to Your Cardmember Agreement This notice amends your American Express Cardmember Agreement ("Agreement") as described below. Any terms in the Cardmember Agreement conflicting with this change are completely replaced Terms not changed by this notice continue to apply. lf you have any questions, please call the number on the back of your Card. Effective August 07,2019, your Cardmember Agreement will be amended as follows: Fees The Rafes and Fees Table on Page 1 of Part 1 of the Cardmember Agreement is amended by deleting the Cash Advance row in the Transaction Fees row under Fees and replacing it with the following: Transaction Fees Cash Advance Either $10 or 5% o'f the amount of each cash advance, whichever is greater. Fees fhe How Rafes and Fees Work Table on page 2 of Part 1 of the Cardmember Agreement is amended by deleting the Cash Advance row in the Fees row and replacing it with the following: Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. FILED: SARATOGA COUNTY CLERK 11/02/2021 10:03 AM INDEX NO. EF2021944 NYSCEF DOC. NO. Blue15Gash Preferred@ from American Express RECEIVED NYSCEF: 11/02/2021 p.718 KRISTY RAMA Closing Date 06/18/19 Account Ending 6-01009 Notice of lmportant Ghanges to Your Account Terms We are making changes to your American Express Cardmember Agreement referenced in this notice. We encourage you to read this notice, share it with Additional Card Members on your account, and file it for future reference. The detailed changes to your Cardmember Agreement can be found after the below summary chart. lmportant Changes to Your Account Terms The following is a summary of the changes that are being made to your account terms effective on September 1,2019. For more detailed information, please see the Detail of Changes toyour Cardmember Agreement that can be found on the following page. The late payment fee and returned payment fee will be changed from a maximum of $38 to a maximum of $gg. tn addition, the firsttime a payment isnot received by the Payment Due Date or returned unpaid by your bank, the fee will now be $28. For Card Members with a billingaddress in Puerto Rico, effective September 1,2019, if we do not receive your Minimum Payment Due by the Payment Due Date, you may be assessed a late fee, regardless of whether you have ever previously been assessed a late fee. Late Payment Fee Up to $39. Returned Payment Fee Up to $39. lD 12738 Please see reyerse side for the Detail of Changes to Your Cardmember Agreement. CMLENDDMRUSO3O8 FILED: SARATOGA COUNTY CLERK 11/02/2021 10:03 AM INDEX NO. EF2021944 NYSCEF DOC. KRISTY NO. 15 RAMA Account Ending 6-01009 RECEIVED NYSCEF: 11/02/2021 p. 8/8 Detail of Changes to Your Gardmember Agreement This notice amends your American Express Cardmember Agreemenl (" Agreemenf') as described below. Any terms in the Cardmember Agreement conflicting with this change are completely replaced. Terms not changed by this notice continue to apply. lf you have any questions, please call the number on the back of your Card. Late Payment Fees and Returned Payment Fees Effective September 1,2019, the Fees section on page 1 of Part 1 of the Cardmember Agreement is amended by deleting the Late Payment and Return Payment fees under the Penalty Fees subsection and replacing it with the Penalty Fees Late Payment Up to $3e Returned Up to $3e Payment Late Payment Fee Effective September 1,2019, the Fees section on page 2of Parl l of the CardmemberAgreement is amended in the Lafe P-ayment row by replacing each instance of "$27" with "$28" and replacing each instance of "$38" with '$39." Returned Payment Fee Effective September 1,2019, the Fees section on page 2 of Part 1 of the Cardmember Agreement is amended in the Refurn ed Payment row by replacing each instance of "$27" with "$28" and replacing each instance of "$38" with "$39." CMTENDDMRUSO3OB FILED: SARATOGA COUNTY CLERK 11/02/2021 10:03 AM INDEX NO. EF2021944 NYSCEF DOC. NO. 15 RECEIVED NYSCEF: 11/02/2021 Blue Cash Preferred@ from American Express p. 114 AffiNM$ KRISTY RAMA closing Date 07119/19 Account Ending 6-01009 Reward Dollars New Balance $9,838.50 as of 06/20/2019 Minimum Payment Due 16,71 $271.00 El *- visit For more details about Rewards, americanexpress,com/cashbackrewards Payment Due Date o&tlu19* Account Summary * Late Payment Warning: lf we do not receive your Minimum Payment Due by Previous Balance $e,609,3s the Payment Due Date of A8/13/19,you may have to pay a late fee of up to Payments/Credits -$254.00 $38.00 and your APRs may be increased to the Penalty APR of 29.99o/o. New Charges +$308.43 Fees +$0.00 lnterest Charged +$174.72 Minimum Payment Warning: lf you make only the minimum payment each period, New Balance $9,838.50 and it will take you longer to pay off your balance. For you will pay more in interest Minimum Payment Due $271.00 example: Credit Limit $10,000.00 lf you make no additional You will pay off the balance And you will pay an AvailableCredit $161 .s0 charges and each month you shown on this statement in estimated total of... Cash Advance Limit $2,000.00 pay... about... AvailableCash $161.s0 Only the Days in Billing Period: 31 22yearc $2s,1 39 Minimum Payment Due $13,261 Customer Care $368 3 years (Savings = $1 1,878) lil Sl P.y by Computer americanexpress.com/pbc lf youwould like information call 1-888-733-41 about credit counseling services, 39. about your account. CustomerCare PaybyPhone E See page 2 for important information 'l-888-258-3741 1-800-472-9297 Q s""Page 2 for additional information (i) \:/ New York Residents: New York Residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees, and grace periods. New York Department 36 or www.dfs.ny.gov. of Financia I Services: 1 -800-342-37 Continued on page 3 fold on the perforation below, detach and return with your payment+ .1, Please EI 3:tsi#ffr,11,e papercrips E 3r"l*:ll?J!r,",lo'rpn, A Pay by Phone 1-800-472-9297 Account Ending 6-01009 Enter 15 digit account # on all payments. Make check payable to American Express. KRISTY RAMA Payment Due Date 25 RED COACH TRL oan3l19 BALLSTON SPA NY 12020-2740 New Balance $9,838.50 Minimum Pavment Due 's271.OO ll1lgl,rg111r11,n1lllpg1,rrll,,l1ll,,,r1ll1,lll,ll,,1gllll,lll, Check here ifyour address or AMERICAN EXPRESS $ phone number has changed. P.O. BOX 1270 Amount Enclosed Note changes on reverse side. NEWARK NJ 07101-1270 0nnB3q111eq0t30t00n 000143850000n471,00 15 11 FILED: SARATOGA COUNTY CLERK 11/02/2021 10:03 AM INDEX NO. EF2021944 NYSCEF DOC. NO. 15 RECEIVED NYSCEF: 11/02/2021 KRISTY RAMA Account Ending 6-01009 p.214 Payments: Your payment must be sent to the payment address shown on your statement and must be received by.5.p,m. local time at that address to be credited as of ihe day it is received. Payments we receive after 5 p.m, will not be credited to your Account until the next day. Payments must (2) be made with a single check drawn on a US bank and payable in U5 dollars, or with also: (i ) include the remittlnce coupon from your statemenU a neqotiable instrument the US banking system; and (3) include your Account number. lf your payment payable in US dollars dnd clearable through crediting do6s not meet all of the above requirements, may be delayed and you may incur late payment fees and additional interest charges. payments must be made through an electronic payment method payable in US dollars and clearable through the US banking system. lf we Electronic to us, unless a particular rate.is required accept paym6nt in a foreign currency, we will convert it into US dollars at a conversion rate that is acceptable on a payment we accept will have no by law.'elease do not send post-dated checks as they will be deposited upon receipt. Any restrictive language We will re-present prior written approval. effect on us without our express that is returned unpaid. to your financial institution any payment Permission you give us permission for Etectronic Withdrawal: (1) When you send a check for payment, your payment to electronically withdraw