On January 11, 2021 a
Exhibit,Appendix
was filed
involving a dispute between
American Express National Bank,
and
A K A Curtis H Heintz And Old Albany Construction Llc,
Aka Curtis H Heintz And Old Albany Construction Llc,
Curtis Heintz
A K A Curtis H Heintz And Old Albany Construction Llc,
for Other Matters - Consumer Credit (Card) Original Creditor Plaintiff
in the District Court of Putnam County.
Preview
FILED: PUTNAM COUNTY CLERK 02/07/2022 08:18 PM INDEX NO. 500028/2021
NYSCEF DOC. NO. 16 RECEIVED NYSCEF: 02/07/2022
EXHIBIT B
FILED: PUTNAM COUNTY CLERK 02/07/2022 08:18 PM INDEX NO. 500028/2021
NYSCEF DOC. NO. 16 RECEIVED NYSCEF: 02/07/2022
American Express® Business Loans p. 1/3
Ig5ggg
ER OLD ALBANY CONSTRUCT
CURTIS H HEINTZ BUSINESS
LOANS
Invoice Date 01/11/21 Next Invoice Date 02/08/21 Loan Account Ending 1005
Payment Information Account Summary
Outstanding Loan Balance $27,227.89 Previous Outstanding Loan Balance $27,228.77
Payments/Credits -$0.88
Monthly Payment Due $14,463.90
Includes the past due amount of $13,033.11 Loan Disbursements +$0.00
02/05/21* interest Charges +$0.00
Payment Due Date
Fees +$0.00
Outstanding Loan Balance $27,227.89
Monthly Payment Due $14,463.90
Original Loan Amount $45,000.00
Important Messages Customer Care
Seepage 2 for important information about your Loan Account. (, Customer Care & Billing Inquiries 1-888-781-6972
International Collect 1-928-427-5127
Large Print & Braille Loan Invoices 1-888-781-6972
As a reminder, you can update your personal details and Loan Account Hearing impaired
. TTY: 1-800-221-9950
information by accessing your online account at americanexpress.com FAX: 1-623-707-4442
or by calling Customer Care at 1-888-781-6972. in NY: 1-800-522-1897
Customer Care &
Billing inquiries Payments
P.O.BOX981535 P.O.BOX 1270
EL PASO,TX NEWARKNJ 07101-
79998-1535 1270
+ Pleasefold on the perforation below, detach and retum with your payment
Payment Coupon g Pay by Computer Pay by Phone Loan Account Ending 1005
Do not staple or use paper clips amencanexpress.com/pbc 1-888-781-6972
* Enter 15
digit Loan Account # on all payments.
Make check payable to American Express.
CURTIS H HEINTZ Payment Due Date
OLD ALBANY CONSTRUCT 02/05/21
198 OLD W PT RD E
GARRISON NY 10524-3833 Outstanding Loan Balance
$27,227.89
Monthly ment Due
463.90
see reverse side for instructions AMERICAN EXPRESS
on how to update your address, P.O. BOX 1270 Amount Enclosed
phone number, or email. NEWARK NJ 07101-1270
!!!:::!:::!::,lIllneell:::!!::!:!! ulllmlmIIInninlI
FILED: PUTNAM COUNTY CLERK 02/07/2022 08:18 PM INDEX NO. 500028/2021
NYSCEF DOC. NO. 16 RECEIVED NYSCEF: 02/07/2022
CURTIS H HEINTZ Loan Account Ending 1005 p. 2/3
Payments: Your payment must be sent to the payment address shown on your loan invoice and must be received by S:00 p.m. local time at that
address to be credited as of the day it is received. Payments we receive after 5:00 p.m. will not be credited to your Loan Account until the next day.
Payments must also: (1) include the remittance coupon from your loan invoice; (2) be made with a single check drawn on a US bank and payable in
US dollars, or with a negotiable instrument payable in USdollars and clearable through the US banking system; and (3) include your Loan Account
number. If 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. Electronic payments must be made through an electronic payment method payable in USdollars and clearable through the US
banking system. Pleasedo not send post-dated checks as they will be deposited upon receipt. Any restrictive language on a payment we accept will
have no effect on us without our express prior written approval. We wilt re-present to your financial institution any payment that is retumed unpaid.
" You can find your full Loan Account number in your Loan
Agreement, a copy of which is located in the Document Center in your American Express
online account.
Permission for Electronic WithdrawaL (1) When you send a check for payment, you give us permission to electronically withdraw your payment
from your deposit or other asset account. We will process checks electronically by transmitting the amount of the check, routing number, account
number and check serial number to your financiaHnstitution, 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.If 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 to your Loan
Account until the next day.
Prepayment: If you pay off your Outstanding Loan Balance early, you will not have to pay a penalty and you may be entitled to a refund of part of
the finance charge. You are responsible for paying any additional charges, induding late fees, that Inay have been incurred but are not reflected in
your Outstanding Loan Balancefor this Payment Due Date.
Monthly Payment Due: Pay this amount to keep your Loan Account current. This is the monthly scheduled payment amount plus any applicable
fees, accrued interest and past due monthly scheduled payment amoun ts.
Credit Balance: A credit balance (designated CR)shown on this loan invoice represents money owed to you. If you have a credit balance on your
Loan Account after you repay your loan in full, we wili send you a check for the credit balance within 60 days if the amount of the credit balance Is
$1.00 or more. To request a refund, contact us at the address or phone number for Customer Care & Billing Inquiries, as noted on page 1 of your
invoice.
Credit ":;=:ªW;: We may report information about your Loan Account to credit bureaus. Late payments, missed pay ments, or other defaults on
your Loan Account may be reflected in your credit report.
1Pay Your Bill with AutoPay
Deduct your payrnent from your bank
account automatically each month.
- Avoid tate fees
- 5ave time
Change of Address, phone number, email _..___ _..............
_______..__...__......_.....___.__
- Online at www.americanexpress.com/updatecontactinfo Visit americanexpress.com/autopay
- Via mobile device today to enroll.
- Voice automated: can the number on the back of your card
- For name,
company name, and foreign address or phone changes, please call Customer Care
Please do not add any written e--_±M!aa or address change on this stub
For mformation on how we protect your
privacy and to set your communication
and privacy choices, please visit
www.americanexpress.com/privacy.
FILED: PUTNAM COUNTY CLERK 02/07/2022 08:18 PM INDEX NO. 500028/2021
NYSCEF DOC. NO. 16 RECEIVED NYSCEF: 02/07/2022
Express® Bee-iness Loans p. 3/3
American Ig5ggg
em OLDALBANYCONSTRUCT
ass CURTIS H HEINTZ BUSINESS
LOANS
Invoice Date 01/11/21 Loan Account Ending 1005
Paymsats and Credits
Summary
Total
Payments $0.00
Credits -$0.88
Total Payments and Credits -$0.88
Detail *lndicatespostingdate
Credits Amount
12/13/20* Credit Adjustment for Purchase Finance Charge -$0.87.
12/13/20• Credit for AMEX Error -$0.01
Fees
Amount
Total Fees for this Period $D.00
Document Filed Date
February 07, 2022
Case Filing Date
January 11, 2021
Category
Other Matters - Consumer Credit (Card) Original Creditor Plaintiff
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Preview
FILED: PUTNAM COUNTY CLERK 02/07/2022 08:18 PM INDEX NO. 500028/2021 NYSCEF DOC. NO. 16 RECEIVED NYSCEF: 02/07/2022 EXHIBIT B FILED: PUTNAM COUNTY CLERK 02/07/2022 08:18 PM INDEX NO. 500028/2021 NYSCEF DOC. NO. 16 RECEIVED NYSCEF: 02/07/2022 American Express® Business Loans p. 1/3 Ig5ggg ER OLD ALBANY CONSTRUCT CURTIS H HEINTZ BUSINESS LOANS Invoice Date 01/11/21 Next Invoice Date 02/08/21 Loan Account Ending 1005 Payment Information Account Summary Outstanding Loan Balance $27,227.89 Previous Outstanding Loan Balance $27,228.77 Payments/Credits -$0.88 Monthly Payment Due $14,463.90 Includes the past due amount of $13,033.11 Loan Disbursements +$0.00 02/05/21* interest Charges +$0.00 Payment Due Date Fees +$0.00 Outstanding Loan Balance $27,227.89 Monthly Payment Due $14,463.90 Original Loan Amount $45,000.00 Important Messages Customer Care Seepage 2 for important information about your Loan Account. (, Customer Care & Billing Inquiries 1-888-781-6972 International Collect 1-928-427-5127 Large Print & Braille Loan Invoices 1-888-781-6972 As a reminder, you can update your personal details and Loan Account Hearing impaired . TTY: 1-800-221-9950 information by accessing your online account at americanexpress.com FAX: 1-623-707-4442 or by calling Customer Care at 1-888-781-6972. in NY: 1-800-522-1897 Customer Care & Billing inquiries Payments P.O.BOX981535 P.O.BOX 1270 EL PASO,TX NEWARKNJ 07101- 79998-1535 1270 + Pleasefold on the perforation below, detach and retum with your payment Payment Coupon g Pay by Computer Pay by Phone Loan Account Ending 1005 Do not staple or use paper clips amencanexpress.com/pbc 1-888-781-6972 * Enter 15 digit Loan Account # on all payments. Make check payable to American Express. CURTIS H HEINTZ Payment Due Date OLD ALBANY CONSTRUCT 02/05/21 198 OLD W PT RD E GARRISON NY 10524-3833 Outstanding Loan Balance $27,227.89 Monthly ment Due 463.90 see reverse side for instructions AMERICAN EXPRESS on how to update your address, P.O. BOX 1270 Amount Enclosed phone number, or email. NEWARK NJ 07101-1270 !!!:::!:::!::,lIllneell:::!!::!:!! ulllmlmIIInninlI FILED: PUTNAM COUNTY CLERK 02/07/2022 08:18 PM INDEX NO. 500028/2021 NYSCEF DOC. NO. 16 RECEIVED NYSCEF: 02/07/2022 CURTIS H HEINTZ Loan Account Ending 1005 p. 2/3 Payments: Your payment must be sent to the payment address shown on your loan invoice and must be received by S:00 p.m. local time at that address to be credited as of the day it is received. Payments we receive after 5:00 p.m. will not be credited to your Loan Account until the next day. Payments must also: (1) include the remittance coupon from your loan invoice; (2) be made with a single check drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in USdollars and clearable through the US banking system; and (3) include your Loan Account number. If 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. Electronic payments must be made through an electronic payment method payable in USdollars and clearable through the US banking system. Pleasedo not send post-dated checks as they will be deposited upon receipt. Any restrictive language on a payment we accept will have no effect on us without our express prior written approval. We wilt re-present to your financial institution any payment that is retumed unpaid. " You can find your full Loan Account number in your Loan Agreement, a copy of which is located in the Document Center in your American Express online account. Permission for Electronic WithdrawaL (1) When you send a check for payment, you give us permission to electronically withdraw your payment from your deposit or other asset account. We will process checks electronically by transmitting the amount of the check, routing number, account number and check serial number to your financiaHnstitution, 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.If 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 to your Loan Account until the next day. Prepayment: If you pay off your Outstanding Loan Balance early, you will not have to pay a penalty and you may be entitled to a refund of part of the finance charge. You are responsible for paying any additional charges, induding late fees, that Inay have been incurred but are not reflected in your Outstanding Loan Balancefor this Payment Due Date. Monthly Payment Due: Pay this amount to keep your Loan Account current. This is the monthly scheduled payment amount plus any applicable fees, accrued interest and past due monthly scheduled payment amoun ts. Credit Balance: A credit balance (designated CR)shown on this loan invoice represents money owed to you. If you have a credit balance on your Loan Account after you repay your loan in full, we wili send you a check for the credit balance within 60 days if the amount of the credit balance Is $1.00 or more. To request a refund, contact us at the address or phone number for Customer Care & Billing Inquiries, as noted on page 1 of your invoice. Credit ":;=:ªW;: We may report information about your Loan Account to credit bureaus. Late payments, missed pay ments, or other defaults on your Loan Account may be reflected in your credit report. 1Pay Your Bill with AutoPay Deduct your payrnent from your bank account automatically each month. - Avoid tate fees - 5ave time Change of Address, phone number, email _..___ _.............. _______..__...__......_.....___.__ - Online at www.americanexpress.com/updatecontactinfo Visit americanexpress.com/autopay - Via mobile device today to enroll. - Voice automated: can the number on the back of your card - For name, company name, and foreign address or phone changes, please call Customer Care Please do not add any written e--_±M!aa or address change on this stub For mformation on how we protect your privacy and to set your communication and privacy choices, please visit www.americanexpress.com/privacy. FILED: PUTNAM COUNTY CLERK 02/07/2022 08:18 PM INDEX NO. 500028/2021 NYSCEF DOC. NO. 16 RECEIVED NYSCEF: 02/07/2022 Express® Bee-iness Loans p. 3/3 American Ig5ggg em OLDALBANYCONSTRUCT ass CURTIS H HEINTZ BUSINESS LOANS Invoice Date 01/11/21 Loan Account Ending 1005 Paymsats and Credits Summary Total Payments $0.00 Credits -$0.88 Total Payments and Credits -$0.88 Detail *lndicatespostingdate Credits Amount 12/13/20* Credit Adjustment for Purchase Finance Charge -$0.87. 12/13/20• Credit for AMEX Error -$0.01 Fees Amount Total Fees for this Period $D.00