Preview
(FILED: CHEMUNG COUNTY CLERK 0972772023 I12¥F*AM. 2023-5731
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 09/27/2023
PAGE
1 OF 4
Account no. HAA HAE AEE BOQ New balance $1,048.51
Minimum payment due $349.00
Previous balance $986.33 Payment due date 08/17/2021
Payments 0.00
Other credits 0.00 Late payment warning
Purchases 0.00 If we do not receive your minimum payment by 08/17/2021 you may
Other debits 0.00 have to pay up to a $40.00 late fee.
Fees charged 40.00 Minimum payment warning: If you make only the minimum
Interest charged 22.18 payment for each period, you will pay more in interest and it will take
New balance $1,048.51 you longer to pay off your balances. For example:
Past due amount 295.00 If you make no additional You will pay off ‘And you will
Credit limit $640.00 charges using this card the balance shown end up paying an
Available credit $0.00 and each month you pay: on the statement estimated total
Statement closing date 07/22/2021 in about: of:
Days in billing cycle 31 Only the minimum payment 3 years $1541
For information regarding credit counseling services,
call 1-800-284-1706.
Skip signing in to pay and use Comenity's EasyPay, It’s safe and convenient. Use your smartphone camera or code
reader to scan the GR code printed on your payment stub below to get started
ES TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT
Fees
07/17/2021 LATE FEE 40.00
Total fees charged for this period $40.00
Interest charged
Interest charge on purchases $22.18
Total interest for this period $22.18
2021 totals year to date
Total fees charged in 2021 $275.00
Total interest charged in 2021 $125.14
i[nh CTCSEST eel ere Une [eee Mere UCea)
Your Annual Percentage Rate (APR) is the annual interest rate on your account. See BALANCE COMPUTATION METHOD
on page 2 for more details. Minimum interest charge may exceed interest charge below, per your credit card agreement.
TYPE OF BALANCE SUBJECT INTEREST
BALANCE APR. TO INTEREST RATE. CHARGE
Purchases priorto 03/31/2021 25.9900% (v) 872.50 19.26
Purchases 25.9900% (v) 132.19 2.92
PXeoli((elare UMULt) xe)d ULL Ceesise=e
(eas)
IMMEDIATE ATTENTION REQUIRED! Your Account is extremely past due and will be written off as a
bad debt at the end of this month. To avoid this, you can pay the Minimum amount shown on this
statement before the end of this month. If you are not able to pay the Minimum Payment amount, we will
still be able to assist you and prevent your account from being written off. Call us at 1-855-617-8089
(TDD/TTY 1-888-819-1918) and we will find a suitable payment before the end of this month. If written off
(CONTINUED)
wee eee eee eee nee NOTICE:
NOTICE: §See reverse side= forfor important
important information,
information.
Please perforation above
Account
number see seen set BOQ)
New balance Minimum payment
$1,048.51 $349.00
994
Mailed payments must reach us by 6pm ET
LI Yes, | have moved or updated my
e-mail address - see reverse.
Amount
enclosed:
on 08/17/202:
Please make check payable to:
COMENITY - Ultamate Rewards
THe ee
HEATHER VANDERHOFF
Please return this portion along with your payment to’
672W HILL PO BOX 650964
ELMIRA NY 14903-9340 DALLAS TX 75265-0964
HeLa
EET ee TTT ee
47001015 g0012443 = 25 000034900 000104851
(FILED: CHEMUNG COUNTY CLERK 0972772023 I12¥F*AM. 2023-5731
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 09/27/2023
Keep this portion for your records. CREDIT REPORTING. We may report information about your account to credit
What To Do If You Think You Find A Mistake On Your Statement bureaus. Lale payments, missed payments, or ather defaults on your account may
Ifyou think there is an error on your stalement, write to us at: Comenity Capital be reflected in your credit repatt.
Bank PO Box 182620, Columbus, Ohio 43218-2620, In your letter, give us the NOTICE OF CREDIT REPORT DISPUTES ITyou believe the account information
following information we reported to a consumer reporting agency is inaccurate, you may submit a
© Account information: Your name and account number, direct dispute to Comenity Capital Bank PO Box 182120, Columbus, Ohia
* Dollar amount: The dollar amount of the suspected error. 43218-2120, Your written dispute must provide sufficient information to identify
* Description of Problem: If you think there is an error on your bill, describe the account and specify why the information is inaccurate:
what you believe is wrang and why you believe it is a mistake. . Account Information: Your name and account number
You must contact us within 60 days after the error appeared on your statement, . Conlact Information: Your address and telephone number
You must noliy us of any potential errors in writing. You may call us, but if you . Disputed Information: Identity the account information disputed and explain
do we are not required to investigate any potential errors and you may have to pay why you believe it is inaccurate
the amount in question. While we irwestigate whetheror not there has been an Supporting Documentation: Ifavailable, provide a copy of the section of the
error, the following are true: credit report showing the account information you are disputing
: We cannot try to collect the amount in question, or report you as delinquent an
that amount ‘We will investigate the disputed information and report the results to you within
The charge in question may remain on your statement, and we may continue 30 days of receipt of the infarmatian needed for aur investigation, If we find that
{to charge you interest on that amount, But, if we determine thal we made a the account information we reported is inaccurate, we will promplly provide the
mistake, you will not have to pay the amount in question or any interest or necessary correction to each consumer reparting agency to which we reported the
information
other fees related to that amount,
While you do not have to pay the amount in question, you are responsible for PAYMENTS MARKED “PAID IN FULL". All written communications regarding
the remainderof your balance, disputed amounts that include any check or other payment instrument marked
. We can apply any unpaid amount against your credit limi, with “payment in full” or similar language, must be sentto: 1010W.
Mockingbird Lane, Suite 100, Dallas, TX 762
Your Rights If You Are Dissatisfied With Your Credit Card Purchases DO NOT USE THE ENCLOSED REMITTANCE ENVELOPE.
Ifyou are dissatisfied with the goods or services thal you have purchased with - We may accept payment sent to any other address without losing any of
your credit card, and you have tried in good faith to conect the problem with the our rights.
merchant, you may have the right nat to pay the remaining amount due on the - No payment shall operate as an accord and satisfaction without prior
purchase. To use this tight, all of the following must be true: written approval
1, The purchase must have been made in your hame state or within 100 miles of CUSTOMER SERVICE. Visit: comenity.netjultamaterewardscrediteard or call
your current mailing address, and the purchase price must have been more than 1-866-254-9971 (TDD/TTY 1-888-819-1918),
$50. (Note: Neitherof these is necessary if your purchase was based on an TELEPHONE MONITORING. To provide you with high-quality service, phone
advertisement we mailed to you, or if we awn the company that sold you the communication with us is manitared and/or recorded,
goods or services.)
2, You must have used your credit card for the purchase, Purchases made with ADDITIONAL INFORMATION. The following designations, when appearing on
cash advances from an ATM or with a check that accesses your credit card the front of your statement, mean the following: V means variable rate (this rate
account do nat quality may vary); WY INT PAY RQ means WAIVE INTEREST, PAYMENT REQUIRED; WY
INT EQ PY means WAIVE INTEREST, EQUAL PAYMENT; WV INT LOW PMT
3. You must not yet have fully paid for the purchase. means WAIVE INTEREST, LOW PAYMENT; DF INT PY RQ means DEFER
INTEREST, PAYMENT REQUIRED; DEF INT EQ PY means DEFER INTEREST,
Ifall of the criteria above are met and you are still dissatisfied with the purchase, EQUAL PAYMENT; DF INT LOW PMT means DEFER INTEREST, LOW PAYMENT
contact us in writing al: Comenity Capital Bank PO Box 182620, Columbus, and LOW APR EQ PAY means LOW APR, EQUAL PAYMENT. If you have a
Ohio 43218-26: variable rate account, your periodic rates may vary, You may pay all of your
While we investigate, the same rules applyto the disputed amount as discussed Account balance al any lime without penalty,
above, After we finish cur investigation, we will tell you our decision. At that
point, if we think you owe an amount and you da not pay we may report you as Send all inquiries to: CUSTOMER SERVICE, PO Box 183003, Columbus, Ohio
delinquent. 3218-3
HOW TO AVOID PAYING INTEREST. Your due date is al least 25 days after the Send all bankruptcy notices and related correspondence to Comenity Capital
close af each billing cycle, We will nat charge you interest on purchases if you Bank, Bankruptcy Department, PO Box 183043, Columbus, Ohio 43218-3043.
pay your entire balance by the due dale each month, We will begin ta charge NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you provide a
interest on new purchases made under a Low APR, Equal Payment or Budget check as payment, you authorize us eitherto use information fram your check to
Payment Credit Plan from the date of purchase make a one-time electronic fund transfer from yaur account or to process the
BALANCE COMPUTATION METHOD. We calculate interest separately for each payment as a check transaction, When we use information from your checkto
type of balance on your account using a "Daily Balance” to determine interest make an electronic fund transfer, funds may be withdrawn from your account as
charges for each billing petiod. We figure the interest charge an your account by soon as the same day we receive your payment, and you will not receive your
applying the periodic rate to the “daily balance" of your account for each day in check back from your financial institution,
the billing cycle, To get the “daily balance" we take the beginning balance of
your account each day, add any new purchases and fees, and subtract any
payments or credits (Irealing any net credit balance as a zera balancel. This gives
us the daily balance.
PAYMENTS. Pay your Account by the payment due date by the time listed below. If we do nol receive your payment in a correct formal (outlined below) it
may nol be credited to your Account for up lo five days, of may be rejected. Also, your payment must reacti us by the payment cutoff time thal applies to
the payment method you select,
Correct Format. Correct format for different payment methods include:
Mailing or Overnight: Send a personal check, money order, traveler's check or cashier's check payable in U.S. dollats, to the name and address shown on
this Statement in the payment stub area containing your balance and minimum payment amount. Be sure to include your payment stub, do not staple or
clip your payment to the stub, include your account numberon your check, use the envelope provided with your Statement, send one payment with one
Payment stub and do not send any correspondence with your payment. You should overnight a payment to 1010 W. Mockingbird Lane, Suite 100, Dallas,
1X 75247 and the additional format requirement are the same as other mailed payments unless there is a dispute, in which case you follow the Payments
Marked 'Paid in Full" section above. Do not send cash or gift certificates. PayBy Phone: You can call us loll free at 1-866-254-9971 (TDD/TTY
1-888-819-1918) to make @ payment by felephone, which may include a fee, Online: You can make a payment online at
comenily.ne\/ullamaterewardscreditcard.
Payment Cutoff Times. Payment cutoff times/deadlines for us to receive payments are by the due date on this Statement in the Payment slub area al the
following times: Mailing and Overnight: By 6:00 pm Fastem Time (ET); Pay By Phone: By 6:00 pm (ET); Online: By 6:00 pm (
New Informat
Title (optional) First Name MI
Last Name Soc. Sec. No.
Street Address
Apt. No. RR PO Box
City State Zip Code Foreign Map Code
Home Phone Work Phone
Email Address
(FILED: CHEMUNG COUNTY CLERK 0972772023 I12¥F*AM. 2023-5731
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 09/27/2023
PAGE
3 OF 4
the bad debt will be reported to the three major credit bureaus and our Recovery team will determine the
appropriate steps, as permitted and available under applicable law, to protect our interests
Affected by COVID-19? Comenity Capital Bank Offers Support
As the bank that manages your credit card, our hearts go out to those affected by the coronavirus
(COVID-19) pandemic.
The support we’re extending to you. If you're experiencing financial hardship because of COVID-19,
please call 1-866-254-9971 (TDD/TTY: 1-888-819-1918) to discuss how we may be able to help.
Account Center is available 24/7 for you to manage your Ultamate Rewards account online.
You can make payments and view your balance, transactions and statements online. Not yet registered?
Visit comenity.net/UltamateRewardsCreditCard, enter your Ultamate Rewards credit card account
number and ZIP code, then verify your identity.
We’re looking out for you. We remain focused on the health and well-being of our customers and
associates, and we'll continue to stay on top of what's happening during the pandemic so we can best
support you.
IMPORTANT INFORMATION ABOUT LATE FEE CREDITS
We may occasionally provide a credit for the amount, part or all, of a late fee charged to your account. If
we do, we will charge a fee of up to $40.00 for any subsequent late payment. In addition, we may reverse
the credit and repost the charge to your account if you fail to make the minimum payment due on or
before the due date in the next billing period.
Find out how to shop safely online at onguardonline.gov
47001015 goo.e444 = 25 000034900 000104851
(FILED: CHEMUNG COUNTY CLERK 0972772023 T1=¥*AM. 2023-5731
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 09/27/2023
PAGE
4 OF 4
Preview
(FILED: CHEMUNG COUNTY CLERK 0972772023 I12¥F*AM. 2023-5731 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 09/27/2023 PAGE 1 OF 4 Account no. HAA HAE AEE BOQ New balance $1,048.51 Minimum payment due $349.00 Previous balance $986.33 Payment due date 08/17/2021 Payments 0.00 Other credits 0.00 Late payment warning Purchases 0.00 If we do not receive your minimum payment by 08/17/2021 you may Other debits 0.00 have to pay up to a $40.00 late fee. Fees charged 40.00 Minimum payment warning: If you make only the minimum Interest charged 22.18 payment for each period, you will pay more in interest and it will take New balance $1,048.51 you longer to pay off your balances. For example: Past due amount 295.00 If you make no additional You will pay off ‘And you will Credit limit $640.00 charges using this card the balance shown end up paying an Available credit $0.00 and each month you pay: on the statement estimated total Statement closing date 07/22/2021 in about: of: Days in billing cycle 31 Only the minimum payment 3 years $1541 For information regarding credit counseling services, call 1-800-284-1706. Skip signing in to pay and use Comenity's EasyPay, It’s safe and convenient. Use your smartphone camera or code reader to scan the GR code printed on your payment stub below to get started ES TRANS DATE TRANSACTION DESCRIPTION/LOCATION AMOUNT Fees 07/17/2021 LATE FEE 40.00 Total fees charged for this period $40.00 Interest charged Interest charge on purchases $22.18 Total interest for this period $22.18 2021 totals year to date Total fees charged in 2021 $275.00 Total interest charged in 2021 $125.14 i[nh CTCSEST eel ere Une [eee Mere UCea) Your Annual Percentage Rate (APR) is the annual interest rate on your account. See BALANCE COMPUTATION METHOD on page 2 for more details. Minimum interest charge may exceed interest charge below, per your credit card agreement. TYPE OF BALANCE SUBJECT INTEREST BALANCE APR. TO INTEREST RATE. CHARGE Purchases priorto 03/31/2021 25.9900% (v) 872.50 19.26 Purchases 25.9900% (v) 132.19 2.92 PXeoli((elare UMULt) xe)d ULL Ceesise=e (eas) IMMEDIATE ATTENTION REQUIRED! Your Account is extremely past due and will be written off as a bad debt at the end of this month. To avoid this, you can pay the Minimum amount shown on this statement before the end of this month. If you are not able to pay the Minimum Payment amount, we will still be able to assist you and prevent your account from being written off. Call us at 1-855-617-8089 (TDD/TTY 1-888-819-1918) and we will find a suitable payment before the end of this month. If written off (CONTINUED) wee eee eee eee nee NOTICE: NOTICE: §See reverse side= forfor important important information, information. Please perforation above Account number see seen set BOQ) New balance Minimum payment $1,048.51 $349.00 994 Mailed payments must reach us by 6pm ET LI Yes, | have moved or updated my e-mail address - see reverse. Amount enclosed: on 08/17/202: Please make check payable to: COMENITY - Ultamate Rewards THe ee HEATHER VANDERHOFF Please return this portion along with your payment to’ 672W HILL PO BOX 650964 ELMIRA NY 14903-9340 DALLAS TX 75265-0964 HeLa EET ee TTT ee 47001015 g0012443 = 25 000034900 000104851 (FILED: CHEMUNG COUNTY CLERK 0972772023 I12¥F*AM. 2023-5731 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 09/27/2023 Keep this portion for your records. CREDIT REPORTING. We may report information about your account to credit What To Do If You Think You Find A Mistake On Your Statement bureaus. Lale payments, missed payments, or ather defaults on your account may Ifyou think there is an error on your stalement, write to us at: Comenity Capital be reflected in your credit repatt. Bank PO Box 182620, Columbus, Ohio 43218-2620, In your letter, give us the NOTICE OF CREDIT REPORT DISPUTES ITyou believe the account information following information we reported to a consumer reporting agency is inaccurate, you may submit a © Account information: Your name and account number, direct dispute to Comenity Capital Bank PO Box 182120, Columbus, Ohia * Dollar amount: The dollar amount of the suspected error. 43218-2120, Your written dispute must provide sufficient information to identify * Description of Problem: If you think there is an error on your bill, describe the account and specify why the information is inaccurate: what you believe is wrang and why you believe it is a mistake. . Account Information: Your name and account number You must contact us within 60 days after the error appeared on your statement, . Conlact Information: Your address and telephone number You must noliy us of any potential errors in writing. You may call us, but if you . Disputed Information: Identity the account information disputed and explain do we are not required to investigate any potential errors and you may have to pay why you believe it is inaccurate the amount in question. While we irwestigate whetheror not there has been an Supporting Documentation: Ifavailable, provide a copy of the section of the error, the following are true: credit report showing the account information you are disputing : We cannot try to collect the amount in question, or report you as delinquent an that amount ‘We will investigate the disputed information and report the results to you within The charge in question may remain on your statement, and we may continue 30 days of receipt of the infarmatian needed for aur investigation, If we find that {to charge you interest on that amount, But, if we determine thal we made a the account information we reported is inaccurate, we will promplly provide the mistake, you will not have to pay the amount in question or any interest or necessary correction to each consumer reparting agency to which we reported the information other fees related to that amount, While you do not have to pay the amount in question, you are responsible for PAYMENTS MARKED “PAID IN FULL". All written communications regarding the remainderof your balance, disputed amounts that include any check or other payment instrument marked . We can apply any unpaid amount against your credit limi, with “payment in full” or similar language, must be sentto: 1010W. Mockingbird Lane, Suite 100, Dallas, TX 762 Your Rights If You Are Dissatisfied With Your Credit Card Purchases DO NOT USE THE ENCLOSED REMITTANCE ENVELOPE. Ifyou are dissatisfied with the goods or services thal you have purchased with - We may accept payment sent to any other address without losing any of your credit card, and you have tried in good faith to conect the problem with the our rights. merchant, you may have the right nat to pay the remaining amount due on the - No payment shall operate as an accord and satisfaction without prior purchase. To use this tight, all of the following must be true: written approval 1, The purchase must have been made in your hame state or within 100 miles of CUSTOMER SERVICE. Visit: comenity.netjultamaterewardscrediteard or call your current mailing address, and the purchase price must have been more than 1-866-254-9971 (TDD/TTY 1-888-819-1918), $50. (Note: Neitherof these is necessary if your purchase was based on an TELEPHONE MONITORING. To provide you with high-quality service, phone advertisement we mailed to you, or if we awn the company that sold you the communication with us is manitared and/or recorded, goods or services.) 2, You must have used your credit card for the purchase, Purchases made with ADDITIONAL INFORMATION. The following designations, when appearing on cash advances from an ATM or with a check that accesses your credit card the front of your statement, mean the following: V means variable rate (this rate account do nat quality may vary); WY INT PAY RQ means WAIVE INTEREST, PAYMENT REQUIRED; WY INT EQ PY means WAIVE INTEREST, EQUAL PAYMENT; WV INT LOW PMT 3. You must not yet have fully paid for the purchase. means WAIVE INTEREST, LOW PAYMENT; DF INT PY RQ means DEFER INTEREST, PAYMENT REQUIRED; DEF INT EQ PY means DEFER INTEREST, Ifall of the criteria above are met and you are still dissatisfied with the purchase, EQUAL PAYMENT; DF INT LOW PMT means DEFER INTEREST, LOW PAYMENT contact us in writing al: Comenity Capital Bank PO Box 182620, Columbus, and LOW APR EQ PAY means LOW APR, EQUAL PAYMENT. If you have a Ohio 43218-26: variable rate account, your periodic rates may vary, You may pay all of your While we investigate, the same rules applyto the disputed amount as discussed Account balance al any lime without penalty, above, After we finish cur investigation, we will tell you our decision. At that point, if we think you owe an amount and you da not pay we may report you as Send all inquiries to: CUSTOMER SERVICE, PO Box 183003, Columbus, Ohio delinquent. 3218-3 HOW TO AVOID PAYING INTEREST. Your due date is al least 25 days after the Send all bankruptcy notices and related correspondence to Comenity Capital close af each billing cycle, We will nat charge you interest on purchases if you Bank, Bankruptcy Department, PO Box 183043, Columbus, Ohio 43218-3043. pay your entire balance by the due dale each month, We will begin ta charge NOTICE ABOUT ELECTRONIC CHECK CONVERSION. When you provide a interest on new purchases made under a Low APR, Equal Payment or Budget check as payment, you authorize us eitherto use information fram your check to Payment Credit Plan from the date of purchase make a one-time electronic fund transfer from yaur account or to process the BALANCE COMPUTATION METHOD. We calculate interest separately for each payment as a check transaction, When we use information from your checkto type of balance on your account using a "Daily Balance” to determine interest make an electronic fund transfer, funds may be withdrawn from your account as charges for each billing petiod. We figure the interest charge an your account by soon as the same day we receive your payment, and you will not receive your applying the periodic rate to the “daily balance" of your account for each day in check back from your financial institution, the billing cycle, To get the “daily balance" we take the beginning balance of your account each day, add any new purchases and fees, and subtract any payments or credits (Irealing any net credit balance as a zera balancel. This gives us the daily balance. PAYMENTS. Pay your Account by the payment due date by the time listed below. If we do nol receive your payment in a correct formal (outlined below) it may nol be credited to your Account for up lo five days, of may be rejected. Also, your payment must reacti us by the payment cutoff time thal applies to the payment method you select, Correct Format. Correct format for different payment methods include: Mailing or Overnight: Send a personal check, money order, traveler's check or cashier's check payable in U.S. dollats, to the name and address shown on this Statement in the payment stub area containing your balance and minimum payment amount. Be sure to include your payment stub, do not staple or clip your payment to the stub, include your account numberon your check, use the envelope provided with your Statement, send one payment with one Payment stub and do not send any correspondence with your payment. You should overnight a payment to 1010 W. Mockingbird Lane, Suite 100, Dallas, 1X 75247 and the additional format requirement are the same as other mailed payments unless there is a dispute, in which case you follow the Payments Marked 'Paid in Full" section above. Do not send cash or gift certificates. PayBy Phone: You can call us loll free at 1-866-254-9971 (TDD/TTY 1-888-819-1918) to make @ payment by felephone, which may include a fee, Online: You can make a payment online at comenily.ne\/ullamaterewardscreditcard. Payment Cutoff Times. Payment cutoff times/deadlines for us to receive payments are by the due date on this Statement in the Payment slub area al the following times: Mailing and Overnight: By 6:00 pm Fastem Time (ET); Pay By Phone: By 6:00 pm (ET); Online: By 6:00 pm ( New Informat Title (optional) First Name MI Last Name Soc. Sec. No. Street Address Apt. No. RR PO Box City State Zip Code Foreign Map Code Home Phone Work Phone Email Address (FILED: CHEMUNG COUNTY CLERK 0972772023 I12¥F*AM. 2023-5731 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 09/27/2023 PAGE 3 OF 4 the bad debt will be reported to the three major credit bureaus and our Recovery team will determine the appropriate steps, as permitted and available under applicable law, to protect our interests Affected by COVID-19? Comenity Capital Bank Offers Support As the bank that manages your credit card, our hearts go out to those affected by the coronavirus (COVID-19) pandemic. The support we’re extending to you. If you're experiencing financial hardship because of COVID-19, please call 1-866-254-9971 (TDD/TTY: 1-888-819-1918) to discuss how we may be able to help. Account Center is available 24/7 for you to manage your Ultamate Rewards account online. You can make payments and view your balance, transactions and statements online. Not yet registered? Visit comenity.net/UltamateRewardsCreditCard, enter your Ultamate Rewards credit card account number and ZIP code, then verify your identity. We’re looking out for you. We remain focused on the health and well-being of our customers and associates, and we'll continue to stay on top of what's happening during the pandemic so we can best support you. IMPORTANT INFORMATION ABOUT LATE FEE CREDITS We may occasionally provide a credit for the amount, part or all, of a late fee charged to your account. If we do, we will charge a fee of up to $40.00 for any subsequent late payment. In addition, we may reverse the credit and repost the charge to your account if you fail to make the minimum payment due on or before the due date in the next billing period. Find out how to shop safely online at onguardonline.gov 47001015 goo.e444 = 25 000034900 000104851 (FILED: CHEMUNG COUNTY CLERK 0972772023 T1=¥*AM. 2023-5731 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 09/27/2023 PAGE 4 OF 4