Preview
FILED: WARREN COUNTY CLERK 12/30/2022 09:42 AM INDEX NO. EF2022-70906
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 12/30/2022
Exhibit A
FILED: WARREN COUNTY CLERK 12/30/2022 09:42 AM INDEX NO. EF2022-70906
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 12/30/2022
PO BOX 18204
BRIDGEPORT, CT 06601-3204
1-800-684-2222 as CitIZenS
W O R L D
CITIZENS CARD SERVICES
PO B OX 42010 Payment Information
PROVIDENCE, RI 02940-2010 AccountNumber 2562
NewBalance $4,027.76
MinimumAmountDue $916.65
PastDue Amount $876.65
PaymentDue Date December 25, 2021
GREGORY K DAVIS Total
1022 RT4 UNIT 7
Enclosed .
RUTLAND, VT 05702
Checkforchangeofaddress.
newaddressonreverse.
Complete
AccountNumber: 2562 StatementDate: October 20,2021 - November28, 2021
Summary of Account Activity Payment Information
PreviousBalance 4.027.76 New Balance 4,027.76
Payments& Credits - 0.00 Minimum Payment Due 916.65
Purchases + 0.00 Payment Duo Date December 25, 2021
BalanceTransfers + 0.00 Late Payment Warning:If we do not receive your minimum payrnent by
CashAdvances + 0.00 the date listed above, you may have to pay a late fee of up to $40.00.
Feas Charged + 0.00
interest Charged + 0.00 Minimum 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
NewBalance 4,027.76 off your balance. For exarnple:
Total Credit UmIt 0.00 If you make no
Available Credit 0.00 charges
additional You willpay off the And you will
end up
Cash Credit Limit 0.00 card and
using this balance shownon this payingan estimated
AvailableCash 0.00 each month statementin about... total
of...
Statementclosingdate 11/2B/21
Numberof daysin billing cycle 40 Only the minimum O months $0
payment
If you would like information about credit counseling services, call
1-888-498-9815.
REWARDSSUMMARY
CASH BACK PLUS
Pointsas of November26, 2021
RewardPointsCurrentBalance 0.00
Earn 1.8% cash back rewards on alleligible
purchases*
To learn about rewards and to redeem visitus
online atwww.citizensbank.com/creditcardlogin.
*Certain conditions, restriCtions, and exclusions apply. Please
refer to your Reward Guide for complete program terms and
conditions.
HowToReachUs
TOLL-FREE ONLINE: PAYMENTS: CoRRESPONDENCE:
CuSToMERSERVICE: CITIZENSBANK.COM/CREDITCARDLOGIN CARDSERVICES
CITIZENS CARDSERVICES
CITIZENS
1-800-G84-2222 POBOX42010 Po BOX7092
LOSTORSTOLENCARD: RI 02940-2010
PROVIDENCE, CT 06601
GRIDGEPORT,
1-800-443-0164
(24HOuRS) 1-866-957-8120
Page 1 of 4
FILED: WARREN COUNTY CLERK 12/30/2022 09:42 AM INDEX NO. EF2022-70906
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 12/30/2022
Please print address changes in the boxes below
: r·"···· r · r"····: r······r·"···"r···"·"r··"··:
,...... g...... g...... r···"··r··"· r r"··"·rr·····: r·"""·rr"···"·r··"" r r·····: r·"·"·rr·····:r"·""·:r
-r r
Name
....i i.....i i.....1 i.....i i.....
i.....i 1.....I i.....1 i.....
i.....1 i.....i i.....i i.....1 i.....i i.....i i.....i i.....i i.....1 i.....
i.....i i.....i i.....1 i.....i
Street Apt #
.......
. .. ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... .......
r"·"I
r"": r""":
r""·r r"-"r
r""·: r"": r"··r
r"": r""tr""·r
i ii i ! ii iI i ! i i i- ! ii Ei i! i
i ii i! i -- i !i ii ! --
! ii ii i i i I iI ii i --
i ii ii i -- iii ii ii i
i.......i i.......i i.......i
i.......i i.......i i.......i i.......i
i.......i i.......i !.......i
i i.......i i.......i i i i i
i .......
i .......
i.......i .......
i.......i .......
i i.......i i
i
.......
HomePhone Bus.Phone
Pleasebesuretoplacea checkmarkIntheboxonthefrontto ensuretheaddresschangeWliloccur. Youmayalsocallusat
goonlineto changeyour billingaddress.
1-800-684.2222or
IMPORTANTINFORMATION
youmakca phonepayment,
youauthorize payment
usto inibateanACHor clectronic
BillingRightsSummary Fundsmaybewithdrawn
fromyourbank
WhatTo DoIf YouThinkYou Finda MistakeOnYourStatement:If youthink thatwillbedebitedfromyourbankaccount.
yourpayment.
thereisanerroronyourstatement CARD POBOXaccount
SERVICE5,
writeto usat:CITIZENS soon
as weprocess
asthesameday
information:
Inyourletter,giveusthefollowing
CT06601-7092. youraccountonfine.
- Online:Goto Cm2ENSBANK.COM/CREDITCARDLOGIN
to access
7092,BR1DGEPORT, available
informatjon thefirsttimeyoupayonline.
" Account
information. number
Yournameandaccount haveyourbankaccount
Please
" Detlar The
amount: dollar error.
amountofthesuspected WhentoPay:Yourpayment r
musteach
usbythePayment above.
DueDateshown
" Description madeby mail:Payments
whatyou Forpayments
U youthinkthereis anernoronyourbHI,describe
of Problem: attheaddress
received onyourStatement
shown
iswrongandwhyyoubelieveit isa mistake.
believe Eastem
before5:00P.M. Timewillbecredited
by thatday.
usfor received
Payments
You afterthistimewillDecreditedforthenextBusinessduedatefalls
Day.If yourpayment
Youmustcontactuswithin60daysafterthe errorappeared
onyourstatement.
on the next
a malledpayment
received
mustnotifyusof anypotentialerrorsinwriting.Youmaycallus,butif youdoweare ona daywedo notreceivemailedpayments,
to investigate
notrequired anypotential Business
crrorsandyoumayhaveto paytheamountin
Daywill
notbetreatedas m ade
late.Forpayments by phone:
onlineor
question.
Whileweinvestigate are Payrnents
whetheror nottherehasbeenanerrorthefollowing before1t:59P.M.Eastern
received by usfor that day.
Timewillbecredited
Eastern
madeafter5:00P.M.
Payments T untilthe
imemaynotbeprocessed following
true:
aslongasthepayment
onthat day.However,
" Wecannottry to collecttheamountin questionor reportyouas delinquent Isreceived Time,it will
before11:59P.M.Eastem
amount, to the day the payment
bebackdated We mayalsopermityou to make
is received,
" Thecharge If a payment
inpersonat oneofourbranches.
to chargepayments inpersonat oneof
isreceived
andwemaycontinue
mayremainonyourstatement
inquestion
onthatamount.Sut,if wedetermine
youInterest thatwemadea mistake, beforethe actualtimeof closingof thebranchat whichthe paymentis
youwillnot ourbranches
inquestion
haveto paytheamount by usforthatday,
or anyinterestorotherfeesrelatedtothatamount. made,it willbecredited
" Whileyoudonothaveto paytheamountin question,
youare responsible duedatewillbeat least25daysfromthestatement
for the PayingInterest:Thepayment
monthtomonthif youpaythe
date.Youwillnothaveto payinterestonnewpurchases
ofyourbalance,
remainder theentireamountof
" Wecanapplyanyunpaid yourcreditlimit,
amountagainst i
NewBalance
entire billingcycle(whichincludes
nfulleach paying
a "graceperiod").
youtransfer)bythedateandtimedue(called
If youare anybalances
YourRightsIf YouAreDissatisfiedWith YourCreditCardPurchases: fromaprevious cydeInfuU
(induding
withyourcreditcard, If youdo notpaytheentireNewBalance
thatyouhavepurchased
withthegoodsor services
dissatisfied billing
youtransfer),youWIIInotgeta graceperiodandwewillbegincharging
youmayhave anybalances
withthemerchant,
andyouhavetriedingoodfaithtocorrecttheproblem balance
ontheunpaid
interest forpurchases dateuntilyoupaythe
fromthetransaction
therightnotto paythe remaining
amountdueonthepulthase. of
Tousethisrightall
NewBalance Ina row.
periods
infullfor2 Dilling
mustbetrue:
thefattowing advances fromthetransaction
transfers
andbalance date
musthavebeenmadein yourhomestateor withh100maesof your Youwillpayinterestoricash infull.
1)Thepurchase
currentmailing pricemusthavebeenmorethan$50.
andthepurchase
address, tothedatetheamountispaid
Subjectto
Balance InterestRate:WeAgure foryourAccount
theinterest separately
(Note:Neither wasbasedonanadvertisement
if yourpurchase
of theseare necessary Foreachfeature
(eacha"feature"),
for purchases,
thatsoldyouthegoodsor services.)
to you,orif weownthecompany batance andcashadvances
transfers
wemailed of yourAccount
ofthatfeature
DailyBalance
madewithcash ofyourAccount
Purchases
2) Youmusthaveusedyourcreditcardfor the purchase.
wedetermine
theAverage
yourcreditcardaccount
f omanATMor witha checkthataccesses
advances rate,thenby thenumberof
dailyperiodic
donot andmultiplythatamountby theapplicable
together each
from
thesums
daysin thebillingcyde.Wethenadd to determine
feature
qual#y. theAverage
Da(IySafance
for thatbillingcyde.Wecalculate
theinterestonyourAccount
3)Youmustnotyethavefullypaidforthepurchase. Fces
Account andother
contactofeachfeature,addinganynewtransactions
withthepurchase,
If allofthecriteriaabovearemetandyouarestilldissatisfied
(Induding charges)
or credits.Thisgivesusthedafiybalance.
anypayments
andsubtracting
CT06601-7092, Then,weadd
CARD
usin writingat:Cm2ENS POBOX7092,BRIDGEPORT,
SERVICES, allthe forthe billingcycleanddividethetotalforeachfeatureby the
balances
asdiscussed
thesamerulesapplyto thedisputed
amount up daily
above.number daysin the
Whileweinvestigate, of billingcyde.ThisgivesustheAverage for each
DailyBalance
Afterwefinishourinvestigation Atthatpointif wethinkyou feature,
wewilfteliyouourdecision. of InterestandfeesthatareInterest.
Thismethodresultsmthecornpounding
andyoudonotpaywemayreportyouasdelinquent.
oweanamount willbeatleast
it $
MinimumInterestCharge:If wechargeinterest,1.50.
amountdueby thepaymentAnnualFee:If thisstatement
HowMuchto Pay:Youmustpayat leastthe minimum Fec,andif thefee is in
a chargeforanAnnual
contains
at anytime.Anyamountpastdueor connection
duedate,Youmaypaytheent[reaccount
balance youdonothaveto paythefeeif youclose
of youraccount,
witha renewal
y
aboveourCreditm
Llmltust
bepaid
immediately' statement
within30daysfromthedatethe
youraccount to you,Youclose
wasmailed
Waysto Pay: Bymail:Checks
shouldbemadepayable CARD
to:CmZENS SERVICES,
youraccount
by callingCustomer
Service or bysending
(1-800-684-2222) a)Iaccount
E boxonthe
ndosed
numberonthecheckandfiHintheTotal
wntcyouraccount
please TransferChecks,
cards,cutin half,anyunusedBalance anda written
requestto close
payment Statementtheaccount
slip.Sendyourcheckandthetop portionof paget of yourAccount CARD
toCITIZENS SERVICES, CT06601-7092,
POBOX7092,BRIDGEPORT,
shownonthepayment
to theaddress Theremaybea delayin Credit
slip.Nocash,please,
Checks
should
If notsentin theproperformtothecorrectaddress.
a payment ReportingNotice: Wemayreportinformation
aboutyouraccountto credit
crediting or otherdefaultsonyouraccountmaybe
missedpayments
If a payment
notbepostdated. is received checkandfor anyreasonbnaus.
usinga postdated
Latepayments,
reflected r
eport.Wemay
inyourcredit A information
ccount
report inyournameandthe
beforetheduedataandit iseitherpaidor returned
thecheckis presented we
unpald, or incomplete
inaccurate
users,If youbelievewehavefumished
namesof authorized
for any lossof hterestnorfor any interestchargesand/or Information
acceptno responsibility write
tous
to a creditreportingagency, at: POBOX7092,
Disputes,
charges
incurred. Please
CT06601-7092. i
ndudeyour a
name, home
ddress, number
phone
* Bytelephone: Havethetopportionofpage1ofyour BRIDGEPORT,
callusat 1-800-684-2222.
Please
Account information
andyourbankcard/account
Statement available number,andexplainwhatyoubeheveis inaccurate
whenyoucaU,andAccount
or incomplete
with
information.
Theremaybeanexpedited feeof whichwewininformyouatthattime.When supporting
servicing
byCitizens
Yourcreditcardisissued N.A.
Bank.
See Ageement
yourCardholder forcomplete ofyourAccount
teneandconditions
Page 2 of 4
FILED: WARREN COUNTY CLERK 12/30/2022 09:42 AM INDEX NO. EF2022-70906
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 12/30/2022
Account Number: 2562 Period:October 20, 2021 - November 28, 2021
Account Activity
Trans Date Post Date Reference Number Transaction Description Amount
*** NO ACTIVITYTHIS PERIOD"*
. ... . .....
November Year-to-Date - Retail& Groceries(6%)
O - Retail& Groceries(0%)Purchases
Purchases - Travel& Entertainment
- Travel& Entertainment (0%)
(0%)
- Restaurants(1%)
- Restaurants(0%)
- Gas& AutoExpenses(0%)
- Gas& AutoExpenses(0%) B
- Other(93%)
- Other (0%) O
2021 Year-to-Date Totals
Total fees charged in 2021 238.00
Totalinterest chargedin 2021 572.65
INTERESTCHARGE CALCULATION
BAt.ANCE SUBJECTTO ANNUAL INTEREST
INTERESTRATE PERCENTAGERATE CHARGES
Purchase $ 4.027.76 0.00% $ 0.00
Cash Advance $ 0.00 0.00% $ 0.00
Balance Transfers $ 0.00 0.00% $ 0.00
Seepage2 for importantinformation
Page 3 of 4
FILED: WARREN COUNTY CLERK 12/30/2022 09:42 AM INDEX NO. EF2022-70906
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 12/30/2022
Page 4 of 4
Preview
FILED: WARREN COUNTY CLERK 12/30/2022 09:42 AM INDEX NO. EF2022-70906 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 12/30/2022 Exhibit A FILED: WARREN COUNTY CLERK 12/30/2022 09:42 AM INDEX NO. EF2022-70906 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 12/30/2022 PO BOX 18204 BRIDGEPORT, CT 06601-3204 1-800-684-2222 as CitIZenS W O R L D CITIZENS CARD SERVICES PO B OX 42010 Payment Information PROVIDENCE, RI 02940-2010 AccountNumber 2562 NewBalance $4,027.76 MinimumAmountDue $916.65 PastDue Amount $876.65 PaymentDue Date December 25, 2021 GREGORY K DAVIS Total 1022 RT4 UNIT 7 Enclosed . RUTLAND, VT 05702 Checkforchangeofaddress. newaddressonreverse. Complete AccountNumber: 2562 StatementDate: October 20,2021 - November28, 2021 Summary of Account Activity Payment Information PreviousBalance 4.027.76 New Balance 4,027.76 Payments& Credits - 0.00 Minimum Payment Due 916.65 Purchases + 0.00 Payment Duo Date December 25, 2021 BalanceTransfers + 0.00 Late Payment Warning:If we do not receive your minimum payrnent by CashAdvances + 0.00 the date listed above, you may have to pay a late fee of up to $40.00. Feas Charged + 0.00 interest Charged + 0.00 Minimum 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 NewBalance 4,027.76 off your balance. For exarnple: Total Credit UmIt 0.00 If you make no Available Credit 0.00 charges additional You willpay off the And you will end up Cash Credit Limit 0.00 card and using this balance shownon this payingan estimated AvailableCash 0.00 each month statementin about... total of... Statementclosingdate 11/2B/21 Numberof daysin billing cycle 40 Only the minimum O months $0 payment If you would like information about credit counseling services, call 1-888-498-9815. REWARDSSUMMARY CASH BACK PLUS Pointsas of November26, 2021 RewardPointsCurrentBalance 0.00 Earn 1.8% cash back rewards on alleligible purchases* To learn about rewards and to redeem visitus online atwww.citizensbank.com/creditcardlogin. *Certain conditions, restriCtions, and exclusions apply. Please refer to your Reward Guide for complete program terms and conditions. HowToReachUs TOLL-FREE ONLINE: PAYMENTS: CoRRESPONDENCE: CuSToMERSERVICE: CITIZENSBANK.COM/CREDITCARDLOGIN CARDSERVICES CITIZENS CARDSERVICES CITIZENS 1-800-G84-2222 POBOX42010 Po BOX7092 LOSTORSTOLENCARD: RI 02940-2010 PROVIDENCE, CT 06601 GRIDGEPORT, 1-800-443-0164 (24HOuRS) 1-866-957-8120 Page 1 of 4 FILED: WARREN COUNTY CLERK 12/30/2022 09:42 AM INDEX NO. EF2022-70906 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 12/30/2022 Please print address changes in the boxes below : r·"···· r · r"····: r······r·"···"r···"·"r··"··: ,...... g...... g...... r···"··r··"· r r"··"·rr·····: r·"""·rr"···"·r··"" r r·····: r·"·"·rr·····:r"·""·:r -r r Name ....i i.....i i.....1 i.....i i..... i.....i 1.....I i.....1 i..... i.....1 i.....i i.....i i.....1 i.....i i.....i i.....i i.....i i.....1 i..... i.....i i.....i i.....1 i.....i Street Apt # ....... . .. ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... ....... r"·"I r"": r""": r""·r r"-"r r""·: r"": r"··r r"": r""tr""·r i ii i ! ii iI i ! i i i- ! ii Ei i! i i ii i! i -- i !i ii ! -- ! ii ii i i i I iI ii i -- i ii ii i -- iii ii ii i i.......i i.......i i.......i i.......i i.......i i.......i i.......i i.......i i.......i !.......i i i.......i i.......i i i i i i ....... i ....... i.......i ....... i.......i ....... i i.......i i i ....... HomePhone Bus.Phone Pleasebesuretoplacea checkmarkIntheboxonthefrontto ensuretheaddresschangeWliloccur. Youmayalsocallusat goonlineto changeyour billingaddress. 1-800-684.2222or IMPORTANTINFORMATION youmakca phonepayment, youauthorize payment usto inibateanACHor clectronic BillingRightsSummary Fundsmaybewithdrawn fromyourbank WhatTo DoIf YouThinkYou Finda MistakeOnYourStatement:If youthink thatwillbedebitedfromyourbankaccount. yourpayment. thereisanerroronyourstatement CARD POBOXaccount SERVICE5, writeto usat:CITIZENS soon as weprocess asthesameday information: Inyourletter,giveusthefollowing CT06601-7092. youraccountonfine. - Online:Goto Cm2ENSBANK.COM/CREDITCARDLOGIN to access 7092,BR1DGEPORT, available informatjon thefirsttimeyoupayonline. " Account information. number Yournameandaccount haveyourbankaccount Please " Detlar The amount: dollar error. amountofthesuspected WhentoPay:Yourpayment r musteach usbythePayment above. DueDateshown " Description madeby mail:Payments whatyou Forpayments U youthinkthereis anernoronyourbHI,describe of Problem: attheaddress received onyourStatement shown iswrongandwhyyoubelieveit isa mistake. believe Eastem before5:00P.M. Timewillbecredited by thatday. usfor received Payments You afterthistimewillDecreditedforthenextBusinessduedatefalls Day.If yourpayment Youmustcontactuswithin60daysafterthe errorappeared onyourstatement. on the next a malledpayment received mustnotifyusof anypotentialerrorsinwriting.Youmaycallus,butif youdoweare ona daywedo notreceivemailedpayments, to investigate notrequired anypotential Business crrorsandyoumayhaveto paytheamountin Daywill notbetreatedas m ade late.Forpayments by phone: onlineor question. Whileweinvestigate are Payrnents whetheror nottherehasbeenanerrorthefollowing before1t:59P.M.Eastern received by usfor that day. Timewillbecredited Eastern madeafter5:00P.M. Payments T untilthe imemaynotbeprocessed following true: aslongasthepayment onthat day.However, " Wecannottry to collecttheamountin questionor reportyouas delinquent Isreceived Time,it will before11:59P.M.Eastem amount, to the day the payment bebackdated We mayalsopermityou to make is received, " Thecharge If a payment inpersonat oneofourbranches. to chargepayments inpersonat oneof isreceived andwemaycontinue mayremainonyourstatement inquestion onthatamount.Sut,if wedetermine youInterest thatwemadea mistake, beforethe actualtimeof closingof thebranchat whichthe paymentis youwillnot ourbranches inquestion haveto paytheamount by usforthatday, or anyinterestorotherfeesrelatedtothatamount. made,it willbecredited " Whileyoudonothaveto paytheamountin question, youare responsible duedatewillbeat least25daysfromthestatement for the PayingInterest:Thepayment monthtomonthif youpaythe date.Youwillnothaveto payinterestonnewpurchases ofyourbalance, remainder theentireamountof " Wecanapplyanyunpaid yourcreditlimit, amountagainst i NewBalance entire billingcycle(whichincludes nfulleach paying a "graceperiod"). youtransfer)bythedateandtimedue(called If youare anybalances YourRightsIf YouAreDissatisfiedWith YourCreditCardPurchases: fromaprevious cydeInfuU (induding withyourcreditcard, If youdo notpaytheentireNewBalance thatyouhavepurchased withthegoodsor services dissatisfied billing youtransfer),youWIIInotgeta graceperiodandwewillbegincharging youmayhave anybalances withthemerchant, andyouhavetriedingoodfaithtocorrecttheproblem balance ontheunpaid interest forpurchases dateuntilyoupaythe fromthetransaction therightnotto paythe remaining amountdueonthepulthase. of Tousethisrightall NewBalance Ina row. periods infullfor2 Dilling mustbetrue: thefattowing advances fromthetransaction transfers andbalance date musthavebeenmadein yourhomestateor withh100maesof your Youwillpayinterestoricash infull. 1)Thepurchase currentmailing pricemusthavebeenmorethan$50. andthepurchase address, tothedatetheamountispaid Subjectto Balance InterestRate:WeAgure foryourAccount theinterest separately (Note:Neither wasbasedonanadvertisement if yourpurchase of theseare necessary Foreachfeature (eacha"feature"), for purchases, thatsoldyouthegoodsor services.) to you,orif weownthecompany batance andcashadvances transfers wemailed of yourAccount ofthatfeature DailyBalance madewithcash ofyourAccount Purchases 2) Youmusthaveusedyourcreditcardfor the purchase. wedetermine theAverage yourcreditcardaccount f omanATMor witha checkthataccesses advances rate,thenby thenumberof dailyperiodic donot andmultiplythatamountby theapplicable together each from thesums daysin thebillingcyde.Wethenadd to determine feature qual#y. theAverage Da(IySafance for thatbillingcyde.Wecalculate theinterestonyourAccount 3)Youmustnotyethavefullypaidforthepurchase. Fces Account andother contactofeachfeature,addinganynewtransactions withthepurchase, If allofthecriteriaabovearemetandyouarestilldissatisfied (Induding charges) or credits.Thisgivesusthedafiybalance. anypayments andsubtracting CT06601-7092, Then,weadd CARD usin writingat:Cm2ENS POBOX7092,BRIDGEPORT, SERVICES, allthe forthe billingcycleanddividethetotalforeachfeatureby the balances asdiscussed thesamerulesapplyto thedisputed amount up daily above.number daysin the Whileweinvestigate, of billingcyde.ThisgivesustheAverage for each DailyBalance Afterwefinishourinvestigation Atthatpointif wethinkyou feature, wewilfteliyouourdecision. of InterestandfeesthatareInterest. Thismethodresultsmthecornpounding andyoudonotpaywemayreportyouasdelinquent. oweanamount willbeatleast it $ MinimumInterestCharge:If wechargeinterest,1.50. amountdueby thepaymentAnnualFee:If thisstatement HowMuchto Pay:Youmustpayat leastthe minimum Fec,andif thefee is in a chargeforanAnnual contains at anytime.Anyamountpastdueor connection duedate,Youmaypaytheent[reaccount balance youdonothaveto paythefeeif youclose of youraccount, witha renewal y aboveourCreditm Llmltust bepaid immediately' statement within30daysfromthedatethe youraccount to you,Youclose wasmailed Waysto Pay: Bymail:Checks shouldbemadepayable CARD to:CmZENS SERVICES, youraccount by callingCustomer Service or bysending (1-800-684-2222) a)Iaccount E boxonthe ndosed numberonthecheckandfiHintheTotal wntcyouraccount please TransferChecks, cards,cutin half,anyunusedBalance anda written requestto close payment Statementtheaccount slip.Sendyourcheckandthetop portionof paget of yourAccount CARD toCITIZENS SERVICES, CT06601-7092, POBOX7092,BRIDGEPORT, shownonthepayment to theaddress Theremaybea delayin Credit slip.Nocash,please, Checks should If notsentin theproperformtothecorrectaddress. a payment ReportingNotice: Wemayreportinformation aboutyouraccountto credit crediting or otherdefaultsonyouraccountmaybe missedpayments If a payment notbepostdated. is received checkandfor anyreasonbnaus. usinga postdated Latepayments, reflected r eport.Wemay inyourcredit A information ccount report inyournameandthe beforetheduedataandit iseitherpaidor returned thecheckis presented we unpald, or incomplete inaccurate users,If youbelievewehavefumished namesof authorized for any lossof hterestnorfor any interestchargesand/or Information acceptno responsibility write tous to a creditreportingagency, at: POBOX7092, Disputes, charges incurred. Please CT06601-7092. i ndudeyour a name, home ddress, number phone * Bytelephone: Havethetopportionofpage1ofyour BRIDGEPORT, callusat 1-800-684-2222. Please Account information andyourbankcard/account Statement available number,andexplainwhatyoubeheveis inaccurate whenyoucaU,andAccount or incomplete with information. Theremaybeanexpedited feeof whichwewininformyouatthattime.When supporting servicing byCitizens Yourcreditcardisissued N.A. Bank. See Ageement yourCardholder forcomplete ofyourAccount teneandconditions Page 2 of 4 FILED: WARREN COUNTY CLERK 12/30/2022 09:42 AM INDEX NO. EF2022-70906 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 12/30/2022 Account Number: 2562 Period:October 20, 2021 - November 28, 2021 Account Activity Trans Date Post Date Reference Number Transaction Description Amount *** NO ACTIVITYTHIS PERIOD"* . ... . ..... November Year-to-Date - Retail& Groceries(6%) O - Retail& Groceries(0%)Purchases Purchases - Travel& Entertainment - Travel& Entertainment (0%) (0%) - Restaurants(1%) - Restaurants(0%) - Gas& AutoExpenses(0%) - Gas& AutoExpenses(0%) B - Other(93%) - Other (0%) O 2021 Year-to-Date Totals Total fees charged in 2021 238.00 Totalinterest chargedin 2021 572.65 INTERESTCHARGE CALCULATION BAt.ANCE SUBJECTTO ANNUAL INTEREST INTERESTRATE PERCENTAGERATE CHARGES Purchase $ 4.027.76 0.00% $ 0.00 Cash Advance $ 0.00 0.00% $ 0.00 Balance Transfers $ 0.00 0.00% $ 0.00 Seepage2 for importantinformation Page 3 of 4 FILED: WARREN COUNTY CLERK 12/30/2022 09:42 AM INDEX NO. EF2022-70906 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 12/30/2022 Page 4 of 4