Preview
FILED: YATES COUNTY CLERK 10/01/2021 10:13 AM INDEX NO. 2021-5164
NYSCEF DOC. NO. 12 RECEIVED NYSCEF: 10/01/2021
Exhibit “C”
FILED: YATES COUNTY CLERK 10/01/2021 10:13 AM INDEX NO. 2021-5164
NYSCEF DOC. NO. 12 RECEIVED NYSCEF: 10/01/2021
9006 0002 LWG 1 7 10 180117 0 PAGE1 of 2 H 1 O 4998 0000 MOD5 01BY9006 28993
Caidhelder Name Account Number Page 1 of 2
AMANDA L HAMM XXXX-XXXX-XXXX-2716
CO MMUNITY
FEDERAL CREDIT UNION
I Account infee-s Account Summary
StatementClosingDate 01/17/2018 PreviousBalance $379.19
Credit Limit $2,000.00 - Payments $100.00
Available
Credit $229.00 - OtherCredits $21.20
Cash Credit Limit $2,000.00 + Purchases $1,510.87
Available
Cash $229.00 + Cash Advances $0.00
+ OtherDebits $0.00
+ Fees Charged $0.00
+ Interest
Charged $1.22
= New Balance $1,770.08
Payment 'demUen
Payment Due Date: 02/11/2018 Minimum Payment Due: $0.00 New Balance: $1,770.08
-- Late Payment Warñing your minimum
If we do not receive payment by the date listed above, you may have to pay a late fee of up to $25.00.
"."inim= Payment Warning: If you make only the minimum
payment each period, you will pay more in interest
and it will take you longer to pay off your
balance. The table is based on your standard
minimum payment and does not include any past due and overlimit
amounts.For example:
using this
If you make no add-itional charges | You will pay off the balance
shown And you wiH end up paying an
card and each month you pay.., I on this statement
in about... estimated
total of...
Only the minimum
payment 13 Years $3,472.00
$61.00 3 Years $2,199.00
(Savings= $1,273.00)
If you would like information
about credit counseling call 1-866-685-6322.
services,
[ Post Date Trans Date Reference Dc:::‡t:L: Amount
12/20 12/19 2422638B22LR5E6KA WAL-MART #1731 GENEVA NY $139.17
12/21 12/19 2402207B20EWSTMBG SUNOCO 0363212202 PENN YAN NY $16.00
12/21 12/19 2443106B2RQEHN6N1 TACO BELL 030543 PENN YAN NY $16.80
12/21 12/19 2444500B2EJ1R2W00 BlG LOTS STORES - #1992 GENEVA NY $37.89
12/21 12/19 2469216B22Y0ZAVKO VF OUTLET 57 WATERLOO NY $78.22
12/21 12/20 2442733B2LYJN2S6H SAVE-A-LOT #24946 DUNDEE NY $189.13
12/22 12/20 2442733B3LM8P9K27 ALDI 65039 PENN YAN NY $114.44
12/22 12/21 2442629B30T54KV6V Crooked Lake Car WashInc PENN YAN NY $12.0
Remlt Payment to: Mail Inquiries To: Questions?
RELIANTCOMMUNITYFCU CUSTOMERSERVICEVISA DEPT PO BOX 40 SODUS 800-724-9282
Call CustomerService:
PO BOX 37603 PHILADELPHIAPA 19101-0603 NY 14551 Lost or StolenCard: 800-724-9282
Go paperless! Sign up for estaterñsñts within online banking,
Detachthebottomportionandretumpaymentusingenclosedenvelopegobereceivednolaterthanby 5:00p.m ontheduedate.Pleaseuseblueorblackink.
Payment Due Date
RELIANT COMMUNITY FCU Februa
PO BOX 40 Account Number XXXX-XXXX-XXXX-2716
SODUS NY 14551
New Balance $1,770.08
Save a stamp! Log into online Minimum Payment Due NONE 25 28
banking & pay onlinetoday!
Amount
Newaddress,phonenumberore-rnail? Ericlosed
Checktheboxtotheleftandprintchangesonback
AMANDA L HAMM
VISA 938 STATE ROUTE 14A 26993
PO BOX 37603 PENN YAN NY 14527-9139
PHILADELPHIA PA 19101-0603
--Il--
Igll--l-ll-All
l-l^¯l-l-l-Ill I I II -1--11 Ill I I I 1113¯¯¯l¯l-l
111 111111 IIsiiinin •I 11-11
-.... -.-
FILED: YATES COUNTY CLERK 10/01/2021 10:13 AM INDEX NO. 2021-5164
NYSCEF DOC. NO. 12 RECEIVED NYSCEF: 10/01/2021
lmnortantInformation
TermsandConditions
Pleaserefertothedisclosureprovided
previously fortheTermsandConditions theuseofthisaccountTheseTermsandConditions
governing maybeamended
orsupplemented
by separatenoticesto you,
received
fromus.
anynoticesyouhavepreviously
including
CreditTarma
TheInterestChargeCalculation toyouraccountforCashAdvances
Methodapplicable ofgoodsandservicesthatyouobtainthroughtheuseofyourcardisspecifiedwithintheInterest
andCreditPurchases
sectionofthisstatement
ChargeCalculation below
andexplained
- beginstoaccrueonthedateeachispostedtoyouraccounl.TheInterestChargeonCashAdvancesbeginstoaccrueonthedateyouobtaintheCash
MethodA TheInterestChargeonCreditPurchases
Advanceorthefirstdayo1thebillingcyclomwhichit ispostedtoyouraccount,whicheverislaterTheinterestChargesfora billingcycloarecomputed
byapplyingthedailyperiodioratetotheaveragedaily
bythenumberofdaysinthebillingcycleORthemonthlyPeriodicRatetotheaveragedailybalanceduringthebillingcycle,whichisdetermined
balancemultiplied bydividingthesumofthedailybalances
during
byadding B
thebillingcyclebythenumberofdaysinthecycle.Eachdailybalanceisdeterminedalance
tothePrevious (the balance
outstanding ofyouraccount
atthebeginning
ofthebillingcycle)anynew
postedtoyouraccountandanynewCashAdvances
CreditPurchases anypayments
received,andsubtracting asreceivedorcreditsaspostedtoyouraccount,butexcludinganyunpaidInterestCharges
MethodE-Toavoidincurring
anadditional (andCashAdvances,
InterestChargeonthebalanceofCreditPurchases ifthisMethodEisspecifiedasapplicable
toCashAdvances) onthisstatement,
reflected you
mustpaytheNewBalanceshownonthereversesideonorceforethePaymentDueDateTheinterestChargesfora billingcyclearecomputed
thedailypenodicra1etotheaveragedailybalance
byapplying
thenumber
multiplied
by ofdays ORthe
mthebillingcycle P
monthlyeriodic
Ratetotheaverage
daily ofCredit
balance Purchases
(andrlapplicable determined
whichis
CashAdvances), thesumof
bydividing
duringthebmingcyclebythenumberofdaysinthecycleEachdailybalanceofCreditPurchases
thedailybalances (and,itapplicable.Cash determined
Advancesps fromthePrevious
bysubtracting of
Balance
(and.ifapplicable.
CreditPurchases anypayments
CashAdvances) andcreditsasposledtoyouraccount,butexcluding
received anyunpaidInterestCharges
MethodF - ToavoidIncurringanadditional ifthisMethodFisspeedied
InterestChargeonthebalanceofCashAdvances(andCreditPurchases, asappiscable reflectedon
toCredsPurchases) thisstatement.
youmustpaytheNewBalance DueDatoTheInterestCharges
shownonthereversesideonorbeforethePayment fora bilhngcyclearecomputodthedailypenodicratetotheaveragedailybalance
byapplymg
multiplied
by ofdays
thenumber inthe cycle
billing ORthe P
monthlyeriodic
Rate
totheaverage
dally ofCashAdvances
balance i
fapphcable.
(and. Credit
Purchases).which
isdelermmed thesumol
bydividing
duringthebillingcyclebythenumberofdaysmthecycleEachdailybalanceofCashAdvances
thedailybalances CreditPurchases)
(and,11applicable, ofCash
byaddingtothePreviousBalance
isdetermined
Advances CreditPurchases).
(and.Ifapplicable. anynewCashAdvances
asofthetransaction
d ofthe
ateorthefirst
day billing whichever
cycleinwhichposted, islater(and,if andnewCredh
applicable,
anypayments
,andsubtracting
Purchasesasposted) andcreditsaspostedtoyouracount butexcluding
asreceived anyunpaidInterestCharges.
anadditional
MethodG-Toavoidincurring interestChargeonthebalanceofCreditPurchases if1hisMethodGisspecifiedasapplicable
(andCashAdvances, loCashAdvances)
reflected and
onthisstatement
onanynewCreditPurchases
(and,ifapplicable,
CashAdvances) onyournextstatementyoumustpaytheNewBalanceshownonthereversesideonorbeforethePayment
appearing DueDateTheInterest
1he
Chargesfora billingcyclearecomputed
byapplying periodic
daily balance
ratetotheaverage
daily multiplied
bythenumber
ofdaysinthe cycleORthe
billing P
monthly R ate
eriodic totheaverage
daily
balanceofCreditPurchases
(and,if applicable, whichisdetermined
CashAdvances), duringthebillingcyclebythenumberofdaysinthecycleEachdailybalanceis
bydividingthesumofthedailybalances
byaddingtothePrevious
determined Balance
ofCreditPurchases
(and,if applicable, anynewCreditPurchases
CashAdvances) postedtoyouraccount(and,if applicable,
CashAdvances
asofthetransaction
dateorthefirstdayofthebillingcycleinwhichposted,whichever
islater)andsubtracting asreceived
anypayments andcreditsaspostedtoyouraccount,
butexcluding
any unpaidInterestCharges
Note!favariable tothisaccount.
rateplanisapplicable thepenodic
ratemayvary.
CreditBalances
afterthephrase'MailInquiriesTo:"
Ifthereis a creditbalancedueyou,youmayrequestinwntinga fullrelundofthiscreditbalanceattheaddressindicated
onthefrontofthestatement
AdditionalCharges
charges,plusapplicable
Additional requesta CashAdvance,requesta
taxes,mayalsobeassessedNyoupay uswitha checknothonoredby yourFinancialInstitution,requesta copyof a document,
card,or useyourcardfor atransaction
replacement atanautomated Funds)or UCF
tellermachine,if suchchargesarenotprohibitedby lawor regulationNoticeChecksreturnedNSF(Non-Sufficient
(Uncollected aresubject
Funds) toelectronic
ACHrepresentment
If applicable, toyourcreditcardstatementloreachexpedited
therewillbea$5.00chargeassessed telephone
paymentinmated
by thecardholder Services.
throughthe24x 7Cardholder
StatementClosingDate
AllIransactions
receivedafterthestatement
datewillappear
closing onyournextstatement
ElectronicCheckConversion/ ECK
whenyouprovideacheckaspayment,youauthorizeustouseinformation
If applicable, fundtransferfromyouraccount.Incertaincircumstances,
fromyourchecktomakeaone-timeelectronic suchasfor
orprocessing
technical asachecktransaction
wemayprocessyourpayment
reasons, Whenweuseinformation
fromyourchecktomakeanelectronic
lundtransfer, fromyouraccount
fundsmaybewithdrawn
andyouwillnotreceiveyourcheckbackfromyourlinancialinstitutionIfyouwishtooptoutofthisprocess,pleasecallthetollfreenumberlistedon1hebackof
assoonasthesamedaywereceiveyourpayment,
yourcreditcard.
AccountInformationReportedto CreditBureaus
aboutyourAccount
Wemayreportinformation missedpayments
tocreditbureausLatepayments, inyourcreditreportIfyouthinkwehavereported
orotherdefaultsonyourAccountmaybereflected inaccurate
onthefrontofthisstatement
toacreditbureau,youmaywrRetousattheaddressindicated
information
WhatToDoIf YouThinkYouFindA MistakeOnYourStatement YourRightsIf You AreDissatisfiedWithYourCreditCardPurchases
Ifyouaredissatisfied
writetousattheaddressindicatedonthefrontofthis
Ifyouthinkthereisanerroronyourstatement, withthegoodsorservicesthalyouhavepurchased
withyourcreditcard,and
statement.In yourletter,giveusthefollowinginlormation.•Accountinformation:Yournameand
youhavetriedingoodfaithtocorrecttheproblemwiththe merchant,
youmayhavetherightnotto
•
accountnumber Dollaramount:
T of the suspectederror • Descriptionof
hedollaramount paytheremaining
amountdueonthepurchase
Problem:11youthinkthereisanerroronyourbill,describewhatyoubelieveis wrongandwhyyou
Tousethisright,allofthef ollowingmustbetrue:(1)Thepurchasemusthavebeenmadein your
believeitisamistake homestateorwithin100milesofyourcurrent mailingaddress,andthepurchasepricemusthave
beenmorethan$50 (Note:Neitherof theseare necessaryif yourpurchasewasbasedon an
onyourstatementYoumustnotify usof
Youmustcontactuswithin60daysaftertheerrorappeared
advertisement thatsoldyouthegoodsorservices.)
wemailedto you,orifweownthecompany
anypotentialerrorsin writing.Youmaycallus,butif youdowearenotrequiredto investigateany
haveto
potentialerrorsandyoumay
paytheamount
inquestion (2)Youmusthaveusedyourcreditcardforthe purchasePurchases
madewithcashadvances
fromanATMorwithacheckthataccessesyourcreditcardaccountdonotqualify (3)Youmustnot
Whileweinvestigatewhetheror nottherehasbeenan error,thefoilowingaretrue:• Wecannot
yethavefullypaidforthepurchase
trytocollecttheamoun1inquestion,or reportyouasdelinquentonthatamount y Thechargein contactusinwriting
Ifallofthecriteriaabovearemetandyouarestilldissatisfied
withthepurchase,
questionmay remainon yourstatement,andwe maycontinueto chargeyou mtereston that
attheaddressindicatedontheIrontofthisstatement
amount But, if wedeterminethatwe madea mistake,youwill not haveto pay the amountin
questionor any interestor otherfeesrelatedtothatamount• Whileyoudo nothaveto pay the
thesamerulesapplyto thedisputedamountasdiscussedaboveAtterwe
Whilewe investigate,
forthe remainderof yourbalance • Wecan applyany
amountin question,youareresponsible wewilltellyouourdecisionAtthatpoint,ifwethinkyouoweanamountand
finishourinvestigation,
unpaidamountagainstyourcreditlimit youdonotpaywemayreportyouasdelinquent,
01BY9006- 9 - 05/24/2011
Change of address? Please supply the new information in the boxes provided.
Cardholder'sSignature
5treetAddress
StreetAddress(cont,)
City State ZIPCode
E-mailAddress
HomePhone BusinessPhone
We appreciate
your patre:ge and n:: ",strive to provide service.
quality
OA9006AC
FILED: YATES COUNTY CLERK 10/01/2021 10:13 AM INDEX NO. 2021-5164
NYSCEF DOC. NO. 12 RECEIVED NYSCEF: 10/01/2021
9006 0002 LWG i 7 10 180117 0 PAGE2 of 2 H 1 O 4998 0000 MOD5 01BY9006 26993
Câ.J|is|der Name Account Number Page 2 of 2
AMANDA L HAMM XXXX-XXXX-XXXX-2716
(cs.."
Tansactions . ",
Post Date Trans Date Referêñcs Descript!en Amount
12/22 12/21 2401339B3041NELEG PENN YAN EXPRESS STOP PENN YAN NY $17.26
12/22 12/21 2401339B3041NEL9Q PENN YAN EXPRESS STOP PENN YAN NY $61.01
12/22 12/21 2401339B3043ZGXWK PENN YAN EXPRESS STOP PENN YAN NY $12.96
12/22 12/21 2423168B3RBGHMEAM GULF OIL 92044279 PENN YAN NY $11.00
12/22 12/21 2469216B42Y0247L9 TOPS MARKETS #566 PENN YAN NY $52.33
12/24 12/21 2402207B40EWSTSHO SUNOCO 0363212202 PENN YAN NY $5.39
12/24 12/22 2422638B52LR3WP70 WAL-MART #1731 GENEVA NY $162.84
12/24 12/22 2443106B5BM2XPVTS YCC STORE 00220 WATERLOO NY $117.47
12/24 12/22 2469216B52XL4HBEL TOPS MARKETS #436 GENEVA NY $5.00
12/24 12/22 2469216B52XL4HE8Q TOPS FUEL #436 GENEVA NY $30.74
12/25 12/22 7422638B6AFVMXAHM WAL-MART #1731 GENEVA NY CREDIT $21.20-
12/25 12/24 2401339B604MGLSJJ PENN YAN EXPRESS STOP PENN YAN NY $72.98
12/27 12/26 2422638B92LR4A4SF WAL-MART #1731 GENEVA NY $81.06
12/27 12/27 2442733B8LYJXZV8R MCDONALD'S F2368 CANANDAIGUA NY $15.13
12/28 12/27 2444500BABLKTTKAL WM SUPERCENTER #1673 CANANDAIGUA NY $65.35
12/29 12/28 2401339BA05Q7EXMH PENN YAN EXPRESS STOP PENN YAN NY $32.40
12/31 12/28 2402207BBOEWSSQRF SUNOCO 0363212202 PENN YAN NY $8.01
12/31 12/29 2444500BQBLLO2EM6 WM SUPERCENTER #1731 GENEVA NY $101.76
12/31 12/29 2444500BQEJ1WKTVK WEGMANS #074 GENEVA NY $13.96
12/31 12/29 2469216BQ2XSLNEVS TOPS MARKETS #436 GENEVA NY $8.26
01/01 12/31 2444500QH00JNG69P WALGREENS #10218 PENN YAN NY $24.35
01/02 01/01 2449215QHSOX4ZGZB PAYPAL *BESTBUY COM 402-935-7733MN $7.96
01/10 01/10 7435366QS00XSP4S8 PAYMENT- THANK YOU $100.00-
Fees
TOTAL FEES FOR THIS PERIOD $0.00
Interest
Charged
01/17 01/17 Interest Charge on Purchases $1.22
01/17 01/17 Interest Charge on Cash Advances $0.00
TOTAL INTEREST FOR THIS PERIOD $1.22
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. NY STATE DEPT OF FINANCIAL SERVICES:
1-800-342-3736http://www.dfs.ny.gov/consumer/creditdebt.htm
CHARGE' BILLED IN 2017 $0.00
TOTAL*FINANCE
BECAUSE YOU ARE A VALUED CUSTOMER, WE WOULD LlKE TO
EXPRESS OUR APPRECIATION. NO PAYMENT IS NECESSARY ON YOUR
ACCOUNT THIS MONTH. HOWEVER, FINANCE CHARGES WILL
CONTINUE TO ACCRUE AT THE NORMAL RATE.
2018 TotalsYear-to-Date
Total fees charged
in 2018 $0.00
in 2018
Total interest charged $1.22
Interest Charcle Calculatiers
Your Annual Percêñtags Rate (APR) is theannual interestrate on youraccount.
Type of Balance APR Balance SubjectTo Interest
Charge Rêñiaiñing
% Rate
Interest Balance
Purchases 17.50% (V) 0.00 $0.00 $0.60
Cash Advances 17.50% (V) $0.00 $0.00 $0.00
SPECIALRATE PURCHASES 0.99% $1,481.51 $1.22 $1,770.08
Days in Billing
Cycle: 31 (V) = Variable Rate
See reverse sideof page one for explanationof InterestCharge ce!cu!ation.
Credit Purchases ce!cu!eted using Method G. Cash
Advance Charaes calculated usinaMethod A.
FILED: YATES COUNTY CLERK 10/01/2021 10:13 AM INDEX NO. 2021-5164
NYSCEF DOC. NO. 12 RECEIVED NYSCEF: 10/01/2021
9006 0007 LWG 1 7 10 180214 0 PAGE1 of 2 1 O 4998 0000 MOD5 01BY9006 57152
Cardholder Name Account Numbüi Page 1 of 2
AMANDA L HAMM
LIANT XXXX-XXXX-XXXX-2716
C O M M U N I TY
FEDERAL CREDIT UNION
Account::f::Fr.:"
I Account Summary
Date
Statement Closing 02/14/2018 PreviousBalance $1,770.08
Credit Limit $2,000.00 - Payments $100.00
Available
Credit $143.00 - OtherCredits $0.00
Cash Credit Limit $2,000.00 + Purchases $185.19
Available
Cash $143.00 + Cash Advances $0.00
+ OtherDebits $0.00
+ Fees Charged $0.00
+ Interest
Charaed $1.50
= New Balance $1,856.77
Payment:‡==::
Payment Due Date: 03/11/2018 Minimum Payment Due: $47.00 New Balance: $1,856.77
Late Payment Warning: payment
If we do not receive your minimum by the date listed above, you may have to pay a late fee of up to $25,00.
"!-frem Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will take you longer to pay off your
balance. The table is based on your standard
minimum payment and does not include any past due and overtimit amounts
For example:
it you make no additional
charges this
using | You will
pay off
the balanceshown And youwill
end up paying an
card and each month you cav... I on this statement
in about... estimatedtotal of...
Only the minimum payment I 14 Years 3.732.00
$64.00 3 Years $2,313.00
I (Savings= $1.419.00)
If you would like information
about credit counseling call 1-866-685-6322.
services,
Transactions
Post Date Trans Date R:f::: :: Descriptión Amount
02/02 02/01 2422443DH2Z0F6VFY COUNTRYMAX SENECA SENECA FALLS NY $64.74
02/02 02/01 2422638DHBLH3W4DM WAL-MART #1705 WATERLOO NY $47.00
02/02 02/01 2444500DHBLKFHOKP WM SUPERCENTER #1731 GENEVA NY $50.78
02/02 02/01 2469216DH2XWH97VO TOPS MARKETS #566 PENN YAN NY $22.67
02/05 02/05 7435366DM00XSZQFN PAYMENT- THANK YOU $100.00-
Fees
TOTAL FEES FOR THIS PERIOD $0.00
RemIt Payment to: Mail Inquiries To: Questione?
RELIANTCOMMUNITYFCU CUSTOMERSERVICEVISA DEPT. PO BOX40 SODUS 800-724-9282
Call CustomerService:
PO BOX 37603 PHILADELPHIAPA 19101-0603 NY 14551 Lost or StolenCard: 800-724-9282
Go paperless! Sign up for estatoments within online banking.
Delachthebottomportionandretumpaymentusingenclosedenvelopelo bereceivednolaterthanby 5:00p m.ontheduedate.Pleaseuseblueorblackink
Payment Due Date
RELIANT COMMUNITY FCU Marcti
PO BOX 40 Account Number XXXX-XXXX-XXXX-2716
SODUS NY 14551
New Balance $1,856.77
Save a stamp! Log Intoonline Minimum Payment Due $47.00 25 31
banking & pay onHnetoday!
Amount
Newaddress,phonenumberore-mail? Enclosed
Checktheboxtotheleftandprintchangesonback
AMANDA L HAMM
VISA 938 STATE ROUTE 14A 57152
PO BOX 37603 PENN YAN NY 14527-9139
PHILADELPHIA PA 19101-0603
--1---i-- _ !!!!..I_!-_!!!!!!!:!!'
Hi-i-i---I--I---III-il "
I I 11111111-I
Preview
FILED: YATES COUNTY CLERK 10/01/2021 10:13 AM INDEX NO. 2021-5164 NYSCEF DOC. NO. 12 RECEIVED NYSCEF: 10/01/2021 Exhibit “C” FILED: YATES COUNTY CLERK 10/01/2021 10:13 AM INDEX NO. 2021-5164 NYSCEF DOC. NO. 12 RECEIVED NYSCEF: 10/01/2021 9006 0002 LWG 1 7 10 180117 0 PAGE1 of 2 H 1 O 4998 0000 MOD5 01BY9006 28993 Caidhelder Name Account Number Page 1 of 2 AMANDA L HAMM XXXX-XXXX-XXXX-2716 CO MMUNITY FEDERAL CREDIT UNION I Account infee-s Account Summary StatementClosingDate 01/17/2018 PreviousBalance $379.19 Credit Limit $2,000.00 - Payments $100.00 Available Credit $229.00 - OtherCredits $21.20 Cash Credit Limit $2,000.00 + Purchases $1,510.87 Available Cash $229.00 + Cash Advances $0.00 + OtherDebits $0.00 + Fees Charged $0.00 + Interest Charged $1.22 = New Balance $1,770.08 Payment 'demUen Payment Due Date: 02/11/2018 Minimum Payment Due: $0.00 New Balance: $1,770.08 -- Late Payment Warñing your minimum If we do not receive payment by the date listed above, you may have to pay a late fee of up to $25.00. "."inim= Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. The table is based on your standard minimum payment and does not include any past due and overlimit amounts.For example: using this If you make no add-itional charges | You will pay off the balance shown And you wiH end up paying an card and each month you pay.., I on this statement in about... estimated total of... Only the minimum payment 13 Years $3,472.00 $61.00 3 Years $2,199.00 (Savings= $1,273.00) If you would like information about credit counseling call 1-866-685-6322. services, [ Post Date Trans Date Reference Dc:::‡t:L: Amount 12/20 12/19 2422638B22LR5E6KA WAL-MART #1731 GENEVA NY $139.17 12/21 12/19 2402207B20EWSTMBG SUNOCO 0363212202 PENN YAN NY $16.00 12/21 12/19 2443106B2RQEHN6N1 TACO BELL 030543 PENN YAN NY $16.80 12/21 12/19 2444500B2EJ1R2W00 BlG LOTS STORES - #1992 GENEVA NY $37.89 12/21 12/19 2469216B22Y0ZAVKO VF OUTLET 57 WATERLOO NY $78.22 12/21 12/20 2442733B2LYJN2S6H SAVE-A-LOT #24946 DUNDEE NY $189.13 12/22 12/20 2442733B3LM8P9K27 ALDI 65039 PENN YAN NY $114.44 12/22 12/21 2442629B30T54KV6V Crooked Lake Car WashInc PENN YAN NY $12.0 Remlt Payment to: Mail Inquiries To: Questions? RELIANTCOMMUNITYFCU CUSTOMERSERVICEVISA DEPT PO BOX 40 SODUS 800-724-9282 Call CustomerService: PO BOX 37603 PHILADELPHIAPA 19101-0603 NY 14551 Lost or StolenCard: 800-724-9282 Go paperless! Sign up for estaterñsñts within online banking, Detachthebottomportionandretumpaymentusingenclosedenvelopegobereceivednolaterthanby 5:00p.m ontheduedate.Pleaseuseblueorblackink. Payment Due Date RELIANT COMMUNITY FCU Februa PO BOX 40 Account Number XXXX-XXXX-XXXX-2716 SODUS NY 14551 New Balance $1,770.08 Save a stamp! Log into online Minimum Payment Due NONE 25 28 banking & pay onlinetoday! Amount Newaddress,phonenumberore-rnail? Ericlosed Checktheboxtotheleftandprintchangesonback AMANDA L HAMM VISA 938 STATE ROUTE 14A 26993 PO BOX 37603 PENN YAN NY 14527-9139 PHILADELPHIA PA 19101-0603 --Il-- Igll--l-ll-All l-l^¯l-l-l-Ill I I II -1--11 Ill I I I 1113¯¯¯l¯l-l 111 111111 IIsiiinin •I 11-11 -.... -.- FILED: YATES COUNTY CLERK 10/01/2021 10:13 AM INDEX NO. 2021-5164 NYSCEF DOC. NO. 12 RECEIVED NYSCEF: 10/01/2021 lmnortantInformation TermsandConditions Pleaserefertothedisclosureprovided previously fortheTermsandConditions theuseofthisaccountTheseTermsandConditions governing maybeamended orsupplemented by separatenoticesto you, received fromus. anynoticesyouhavepreviously including CreditTarma TheInterestChargeCalculation toyouraccountforCashAdvances Methodapplicable ofgoodsandservicesthatyouobtainthroughtheuseofyourcardisspecifiedwithintheInterest andCreditPurchases sectionofthisstatement ChargeCalculation below andexplained - beginstoaccrueonthedateeachispostedtoyouraccounl.TheInterestChargeonCashAdvancesbeginstoaccrueonthedateyouobtaintheCash MethodA TheInterestChargeonCreditPurchases Advanceorthefirstdayo1thebillingcyclomwhichit ispostedtoyouraccount,whicheverislaterTheinterestChargesfora billingcycloarecomputed byapplyingthedailyperiodioratetotheaveragedaily bythenumberofdaysinthebillingcycleORthemonthlyPeriodicRatetotheaveragedailybalanceduringthebillingcycle,whichisdetermined balancemultiplied bydividingthesumofthedailybalances during byadding B thebillingcyclebythenumberofdaysinthecycle.Eachdailybalanceisdeterminedalance tothePrevious (the balance outstanding ofyouraccount atthebeginning ofthebillingcycle)anynew postedtoyouraccountandanynewCashAdvances CreditPurchases anypayments received,andsubtracting asreceivedorcreditsaspostedtoyouraccount,butexcludinganyunpaidInterestCharges MethodE-Toavoidincurring anadditional (andCashAdvances, InterestChargeonthebalanceofCreditPurchases ifthisMethodEisspecifiedasapplicable toCashAdvances) onthisstatement, reflected you mustpaytheNewBalanceshownonthereversesideonorceforethePaymentDueDateTheinterestChargesfora billingcyclearecomputed thedailypenodicra1etotheaveragedailybalance byapplying thenumber multiplied by ofdays ORthe mthebillingcycle P monthlyeriodic Ratetotheaverage daily ofCredit balance Purchases (andrlapplicable determined whichis CashAdvances), thesumof bydividing duringthebmingcyclebythenumberofdaysinthecycleEachdailybalanceofCreditPurchases thedailybalances (and,itapplicable.Cash determined Advancesps fromthePrevious bysubtracting of Balance (and.ifapplicable. CreditPurchases anypayments CashAdvances) andcreditsasposledtoyouraccount,butexcluding received anyunpaidInterestCharges MethodF - ToavoidIncurringanadditional ifthisMethodFisspeedied InterestChargeonthebalanceofCashAdvances(andCreditPurchases, asappiscable reflectedon toCredsPurchases) thisstatement. youmustpaytheNewBalance DueDatoTheInterestCharges shownonthereversesideonorbeforethePayment fora bilhngcyclearecomputodthedailypenodicratetotheaveragedailybalance byapplymg multiplied by ofdays thenumber inthe cycle billing ORthe P monthlyeriodic Rate totheaverage dally ofCashAdvances balance i fapphcable. (and. Credit Purchases).which isdelermmed thesumol bydividing duringthebillingcyclebythenumberofdaysmthecycleEachdailybalanceofCashAdvances thedailybalances CreditPurchases) (and,11applicable, ofCash byaddingtothePreviousBalance isdetermined Advances CreditPurchases). (and.Ifapplicable. anynewCashAdvances asofthetransaction d ofthe ateorthefirst day billing whichever cycleinwhichposted, islater(and,if andnewCredh applicable, anypayments ,andsubtracting Purchasesasposted) andcreditsaspostedtoyouracount butexcluding asreceived anyunpaidInterestCharges. anadditional MethodG-Toavoidincurring interestChargeonthebalanceofCreditPurchases if1hisMethodGisspecifiedasapplicable (andCashAdvances, loCashAdvances) reflected and onthisstatement onanynewCreditPurchases (and,ifapplicable, CashAdvances) onyournextstatementyoumustpaytheNewBalanceshownonthereversesideonorbeforethePayment appearing DueDateTheInterest 1he Chargesfora billingcyclearecomputed byapplying periodic daily balance ratetotheaverage daily multiplied bythenumber ofdaysinthe cycleORthe billing P monthly R ate eriodic totheaverage daily balanceofCreditPurchases (and,if applicable, whichisdetermined CashAdvances), duringthebillingcyclebythenumberofdaysinthecycleEachdailybalanceis bydividingthesumofthedailybalances byaddingtothePrevious determined Balance ofCreditPurchases (and,if applicable, anynewCreditPurchases CashAdvances) postedtoyouraccount(and,if applicable, CashAdvances asofthetransaction dateorthefirstdayofthebillingcycleinwhichposted,whichever islater)andsubtracting asreceived anypayments andcreditsaspostedtoyouraccount, butexcluding any unpaidInterestCharges Note!favariable tothisaccount. rateplanisapplicable thepenodic ratemayvary. CreditBalances afterthephrase'MailInquiriesTo:" Ifthereis a creditbalancedueyou,youmayrequestinwntinga fullrelundofthiscreditbalanceattheaddressindicated onthefrontofthestatement AdditionalCharges charges,plusapplicable Additional requesta CashAdvance,requesta taxes,mayalsobeassessedNyoupay uswitha checknothonoredby yourFinancialInstitution,requesta copyof a document, card,or useyourcardfor atransaction replacement atanautomated Funds)or UCF tellermachine,if suchchargesarenotprohibitedby lawor regulationNoticeChecksreturnedNSF(Non-Sufficient (Uncollected aresubject Funds) toelectronic ACHrepresentment If applicable, toyourcreditcardstatementloreachexpedited therewillbea$5.00chargeassessed telephone paymentinmated by thecardholder Services. throughthe24x 7Cardholder StatementClosingDate AllIransactions receivedafterthestatement datewillappear closing onyournextstatement ElectronicCheckConversion/ ECK whenyouprovideacheckaspayment,youauthorizeustouseinformation If applicable, fundtransferfromyouraccount.Incertaincircumstances, fromyourchecktomakeaone-timeelectronic suchasfor orprocessing technical asachecktransaction wemayprocessyourpayment reasons, Whenweuseinformation fromyourchecktomakeanelectronic lundtransfer, fromyouraccount fundsmaybewithdrawn andyouwillnotreceiveyourcheckbackfromyourlinancialinstitutionIfyouwishtooptoutofthisprocess,pleasecallthetollfreenumberlistedon1hebackof assoonasthesamedaywereceiveyourpayment, yourcreditcard. AccountInformationReportedto CreditBureaus aboutyourAccount Wemayreportinformation missedpayments tocreditbureausLatepayments, inyourcreditreportIfyouthinkwehavereported orotherdefaultsonyourAccountmaybereflected inaccurate onthefrontofthisstatement toacreditbureau,youmaywrRetousattheaddressindicated information WhatToDoIf YouThinkYouFindA MistakeOnYourStatement YourRightsIf You AreDissatisfiedWithYourCreditCardPurchases Ifyouaredissatisfied writetousattheaddressindicatedonthefrontofthis Ifyouthinkthereisanerroronyourstatement, withthegoodsorservicesthalyouhavepurchased withyourcreditcard,and statement.In yourletter,giveusthefollowinginlormation.•Accountinformation:Yournameand youhavetriedingoodfaithtocorrecttheproblemwiththe merchant, youmayhavetherightnotto • accountnumber Dollaramount: T of the suspectederror • Descriptionof hedollaramount paytheremaining amountdueonthepurchase Problem:11youthinkthereisanerroronyourbill,describewhatyoubelieveis wrongandwhyyou Tousethisright,allofthef ollowingmustbetrue:(1)Thepurchasemusthavebeenmadein your believeitisamistake homestateorwithin100milesofyourcurrent mailingaddress,andthepurchasepricemusthave beenmorethan$50 (Note:Neitherof theseare necessaryif yourpurchasewasbasedon an onyourstatementYoumustnotify usof Youmustcontactuswithin60daysaftertheerrorappeared advertisement thatsoldyouthegoodsorservices.) wemailedto you,orifweownthecompany anypotentialerrorsin writing.Youmaycallus,butif youdowearenotrequiredto investigateany haveto potentialerrorsandyoumay paytheamount inquestion (2)Youmusthaveusedyourcreditcardforthe purchasePurchases madewithcashadvances fromanATMorwithacheckthataccessesyourcreditcardaccountdonotqualify (3)Youmustnot Whileweinvestigatewhetheror nottherehasbeenan error,thefoilowingaretrue:• Wecannot yethavefullypaidforthepurchase trytocollecttheamoun1inquestion,or reportyouasdelinquentonthatamount y Thechargein contactusinwriting Ifallofthecriteriaabovearemetandyouarestilldissatisfied withthepurchase, questionmay remainon yourstatement,andwe maycontinueto chargeyou mtereston that attheaddressindicatedontheIrontofthisstatement amount But, if wedeterminethatwe madea mistake,youwill not haveto pay the amountin questionor any interestor otherfeesrelatedtothatamount• Whileyoudo nothaveto pay the thesamerulesapplyto thedisputedamountasdiscussedaboveAtterwe Whilewe investigate, forthe remainderof yourbalance • Wecan applyany amountin question,youareresponsible wewilltellyouourdecisionAtthatpoint,ifwethinkyouoweanamountand finishourinvestigation, unpaidamountagainstyourcreditlimit youdonotpaywemayreportyouasdelinquent, 01BY9006- 9 - 05/24/2011 Change of address? Please supply the new information in the boxes provided. Cardholder'sSignature 5treetAddress StreetAddress(cont,) City State ZIPCode E-mailAddress HomePhone BusinessPhone We appreciate your patre:ge and n:: ",strive to provide service. quality OA9006AC FILED: YATES COUNTY CLERK 10/01/2021 10:13 AM INDEX NO. 2021-5164 NYSCEF DOC. NO. 12 RECEIVED NYSCEF: 10/01/2021 9006 0002 LWG i 7 10 180117 0 PAGE2 of 2 H 1 O 4998 0000 MOD5 01BY9006 26993 Câ.J|is|der Name Account Number Page 2 of 2 AMANDA L HAMM XXXX-XXXX-XXXX-2716 (cs.." Tansactions . ", Post Date Trans Date Referêñcs Descript!en Amount 12/22 12/21 2401339B3041NELEG PENN YAN EXPRESS STOP PENN YAN NY $17.26 12/22 12/21 2401339B3041NEL9Q PENN YAN EXPRESS STOP PENN YAN NY $61.01 12/22 12/21 2401339B3043ZGXWK PENN YAN EXPRESS STOP PENN YAN NY $12.96 12/22 12/21 2423168B3RBGHMEAM GULF OIL 92044279 PENN YAN NY $11.00 12/22 12/21 2469216B42Y0247L9 TOPS MARKETS #566 PENN YAN NY $52.33 12/24 12/21 2402207B40EWSTSHO SUNOCO 0363212202 PENN YAN NY $5.39 12/24 12/22 2422638B52LR3WP70 WAL-MART #1731 GENEVA NY $162.84 12/24 12/22 2443106B5BM2XPVTS YCC STORE 00220 WATERLOO NY $117.47 12/24 12/22 2469216B52XL4HBEL TOPS MARKETS #436 GENEVA NY $5.00 12/24 12/22 2469216B52XL4HE8Q TOPS FUEL #436 GENEVA NY $30.74 12/25 12/22 7422638B6AFVMXAHM WAL-MART #1731 GENEVA NY CREDIT $21.20- 12/25 12/24 2401339B604MGLSJJ PENN YAN EXPRESS STOP PENN YAN NY $72.98 12/27 12/26 2422638B92LR4A4SF WAL-MART #1731 GENEVA NY $81.06 12/27 12/27 2442733B8LYJXZV8R MCDONALD'S F2368 CANANDAIGUA NY $15.13 12/28 12/27 2444500BABLKTTKAL WM SUPERCENTER #1673 CANANDAIGUA NY $65.35 12/29 12/28 2401339BA05Q7EXMH PENN YAN EXPRESS STOP PENN YAN NY $32.40 12/31 12/28 2402207BBOEWSSQRF SUNOCO 0363212202 PENN YAN NY $8.01 12/31 12/29 2444500BQBLLO2EM6 WM SUPERCENTER #1731 GENEVA NY $101.76 12/31 12/29 2444500BQEJ1WKTVK WEGMANS #074 GENEVA NY $13.96 12/31 12/29 2469216BQ2XSLNEVS TOPS MARKETS #436 GENEVA NY $8.26 01/01 12/31 2444500QH00JNG69P WALGREENS #10218 PENN YAN NY $24.35 01/02 01/01 2449215QHSOX4ZGZB PAYPAL *BESTBUY COM 402-935-7733MN $7.96 01/10 01/10 7435366QS00XSP4S8 PAYMENT- THANK YOU $100.00- Fees TOTAL FEES FOR THIS PERIOD $0.00 Interest Charged 01/17 01/17 Interest Charge on Purchases $1.22 01/17 01/17 Interest Charge on Cash Advances $0.00 TOTAL INTEREST FOR THIS PERIOD $1.22 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. NY STATE DEPT OF FINANCIAL SERVICES: 1-800-342-3736http://www.dfs.ny.gov/consumer/creditdebt.htm CHARGE' BILLED IN 2017 $0.00 TOTAL*FINANCE BECAUSE YOU ARE A VALUED CUSTOMER, WE WOULD LlKE TO EXPRESS OUR APPRECIATION. NO PAYMENT IS NECESSARY ON YOUR ACCOUNT THIS MONTH. HOWEVER, FINANCE CHARGES WILL CONTINUE TO ACCRUE AT THE NORMAL RATE. 2018 TotalsYear-to-Date Total fees charged in 2018 $0.00 in 2018 Total interest charged $1.22 Interest Charcle Calculatiers Your Annual Percêñtags Rate (APR) is theannual interestrate on youraccount. Type of Balance APR Balance SubjectTo Interest Charge Rêñiaiñing % Rate Interest Balance Purchases 17.50% (V) 0.00 $0.00 $0.60 Cash Advances 17.50% (V) $0.00 $0.00 $0.00 SPECIALRATE PURCHASES 0.99% $1,481.51 $1.22 $1,770.08 Days in Billing Cycle: 31 (V) = Variable Rate See reverse sideof page one for explanationof InterestCharge ce!cu!ation. Credit Purchases ce!cu!eted using Method G. Cash Advance Charaes calculated usinaMethod A. FILED: YATES COUNTY CLERK 10/01/2021 10:13 AM INDEX NO. 2021-5164 NYSCEF DOC. NO. 12 RECEIVED NYSCEF: 10/01/2021 9006 0007 LWG 1 7 10 180214 0 PAGE1 of 2 1 O 4998 0000 MOD5 01BY9006 57152 Cardholder Name Account Numbüi Page 1 of 2 AMANDA L HAMM LIANT XXXX-XXXX-XXXX-2716 C O M M U N I TY FEDERAL CREDIT UNION Account::f::Fr.:" I Account Summary Date Statement Closing 02/14/2018 PreviousBalance $1,770.08 Credit Limit $2,000.00 - Payments $100.00 Available Credit $143.00 - OtherCredits $0.00 Cash Credit Limit $2,000.00 + Purchases $185.19 Available Cash $143.00 + Cash Advances $0.00 + OtherDebits $0.00 + Fees Charged $0.00 + Interest Charaed $1.50 = New Balance $1,856.77 Payment:‡==:: Payment Due Date: 03/11/2018 Minimum Payment Due: $47.00 New Balance: $1,856.77 Late Payment Warning: payment If we do not receive your minimum by the date listed above, you may have to pay a late fee of up to $25,00. "!-frem Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. The table is based on your standard minimum payment and does not include any past due and overtimit amounts For example: it you make no additional charges this using | You will pay off the balanceshown And youwill end up paying an card and each month you cav... I on this statement in about... estimatedtotal of... Only the minimum payment I 14 Years 3.732.00 $64.00 3 Years $2,313.00 I (Savings= $1.419.00) If you would like information about credit counseling call 1-866-685-6322. services, Transactions Post Date Trans Date R:f::: :: Descriptión Amount 02/02 02/01 2422443DH2Z0F6VFY COUNTRYMAX SENECA SENECA FALLS NY $64.74 02/02 02/01 2422638DHBLH3W4DM WAL-MART #1705 WATERLOO NY $47.00 02/02 02/01 2444500DHBLKFHOKP WM SUPERCENTER #1731 GENEVA NY $50.78 02/02 02/01 2469216DH2XWH97VO TOPS MARKETS #566 PENN YAN NY $22.67 02/05 02/05 7435366DM00XSZQFN PAYMENT- THANK YOU $100.00- Fees TOTAL FEES FOR THIS PERIOD $0.00 RemIt Payment to: Mail Inquiries To: Questione? RELIANTCOMMUNITYFCU CUSTOMERSERVICEVISA DEPT. PO BOX40 SODUS 800-724-9282 Call CustomerService: PO BOX 37603 PHILADELPHIAPA 19101-0603 NY 14551 Lost or StolenCard: 800-724-9282 Go paperless! Sign up for estatoments within online banking. Delachthebottomportionandretumpaymentusingenclosedenvelopelo bereceivednolaterthanby 5:00p m.ontheduedate.Pleaseuseblueorblackink Payment Due Date RELIANT COMMUNITY FCU Marcti PO BOX 40 Account Number XXXX-XXXX-XXXX-2716 SODUS NY 14551 New Balance $1,856.77 Save a stamp! Log Intoonline Minimum Payment Due $47.00 25 31 banking & pay onHnetoday! Amount Newaddress,phonenumberore-mail? Enclosed Checktheboxtotheleftandprintchangesonback AMANDA L HAMM VISA 938 STATE ROUTE 14A 57152 PO BOX 37603 PENN YAN NY 14527-9139 PHILADELPHIA PA 19101-0603 --1---i-- _ !!!!..I_!-_!!!!!!!:!!' Hi-i-i---I--I---III-il " I I 11111111-I