Preview
=: INDEX NO. 160364/2023
NYSCEF DJ 2 RECEIVED NYSCEF: 10/24/2023
AMERICAN, American Express® Gold Card
EXERESS
SHACHAR ZEPLOVITCH Customer Care: 1-800-327-2177
Closing Date 04/19/23 Use Relay 711
Account Ending 1-76000 Website: americanexpress.com
Membership Rewards® Points
New Balance $13,172.62 Available and Pending as of 03/31/23
162,367
Payment Due Date 05/14/23 [2 For more details about Rewards, please
| visit americanexpress.com/rewardsinfo
|
Late Payment Warning: If we do not receive your payment by the Payment Due Account Summary
Date of 05/14/23 , you may have to pay a late fee of up to $40.00.
PayIn Full
Previous Balance $7,325.04
Payments/Credits -$7,758.95
New Charges +$13,577.53
Fees +$29.00
New Balance = $13,172.62
See page 2 for important information about your account. Pay Over Time and/or Cash Advance
Previous Balance $0.00
aN New York Residents: New York Residents may contact the New York State Payments/Credits -$0.00
VU Department of Financial Services by telephone or visit its website for free New Pay Over Time Charges +$0.00
information on comparative credit card rates, fees, and grace periods. New York New Cash Advances +$0,00
Department of Financial Services: 1-800-342-3736 or www.dfs.ny.gov. Fees +$0.00
oO Interest Charged +$0.00
Please refer to the IMPORTANT NOTICES section for any changes to New Balance = $0.00
your Account terms and any other communications on Minimum Due $0.00
pages 13-14. ~
(Account Total
a Previous Balance $7,325.04
VY We will debit your bank account for your payment of $13,172.62 on Payments/Credits -$7,758.95
05/14/23. This date may not be the same date your bank will debit your New Charges +$13,577.53,
bank account. Any inquiry to American Express concerning this debit New Cash Advances +$0.00
should be made before 05/12/23. If your AutoPay payment is less than Fees +$29.00
your New Balance, we must receive an additional payment for at least Interest Charged +$0.00
the difference by the Payment Due Date.
New Balance $13,172.62
ma For more information on your Pay Over Time Limit and your purchasing
options, please see page 1
“Pay Over Time Li it $2,000.00
Available Pay Over Time Limit $2,000.00
/
cI Payment Coupon
Do not staple or use paper clips
Pay by Computer
americanexpress.com/pbc
Vd Pay by Phone
1-800-472-9297
Account Ending 1-76000
Enter 15 digit account # on all payments.
Make check payable to American Express.
SHACHAR ZEPLOVITCH Payment Due Date
33 WEST END AVE 05/14/23
NeW YORK NY 10023-7821
AutoPay Amount
7 62
See reverse side for instructions AMERICAN EXPRESS
on how to update your address, P.O. BOX 1270
phone number, or email. NEWARK NJ 07101-1270
Wovsbesstoallcslbatbaltol tall
0000349992?bbeeb?28 OOL3L?ebe2OOL3L?ebe Lb A
Cl-014J40X AMEX000433
INDEX NO. 160364/2023
RECEIVED NYSCEF: 10/24/2023
NYSCEF DOC. Meri ZEPLOVITCH Account Ending 1-76000
Payments: Your payment must be sent to the payment address shown on Credit Balanc: credit balance (designated CR) shown on this statement
your statement and must be received by 5 p.m. local time at that address to represents money owed to you. If within the six-month period following
be credited as of the day itis received. Payments we receive after 5 p.m. will the date of the first statement indicating the credit balance you do not
not be credited to your Account until the next day. Payments must also: (1) request a refund or charge enough to use up the credit balance, we will
include the remittance coupon from your statement; (2) be made with a send you a check for the credit balance within 30 days if the amount is
single check drawn on a US bank and payable in US dollars, or with a $1.00 or more. To request a refund, contact us at the address or phone
negotiable instrument payable in US dollars and clearable through the US number on page 3 for Customer Care & Billing Inquiries.
banking system; and (3) include your Account number. If your payment Credit Reporting: We may report information about your Account to credit
does not meet all of the above requirements, crediting may be delayed and bureaus. Late payments, missed payments, or other defaults on your
you may incur late payment fees and additional interest charges. Electronic Account may be reflected in your credit report.
payments must be made through an electronic payment method payable What To Do If You Think You Find A Mistake On Your Statement
in US dollars and clearable through the US banking system. Please do not Ifyou think there is an error on your statement, write to us at:
send post-dated checks as they will be deposited upon receipt. Any American Express, PO Box 981535, El Paso TX 79998-1535
restrictive language on a payment we accept will have no effect on us You may also contact us on the Web: www.americanexpress.com
without our express prior written approval. We will re-present to your In your letter, give us the following information:
financial institution any payment that is returned unpaid. - Account informati ‘our name and account number.
Permission for Electronic Withdrawal:(1) When you send a check for - Dollar amount: The dollar amount of the suspected error.
payment, you give us permission to electronically withdraw your payment - Description of Problem: If you think there is an error on your bill,
from your deposit or other asset account. We will process checks describe what you believe is wrong and why you believe itis a mistake.
electronically by transmitting the amount of the check, routing number, You must contact us within 60 days after the error appeared on your
account number and check serial number to your financial institution, statement,
unless the check is not processable electronically or a less costly process is You must notify us of any potential errors in writing [or electronically]. You
available. When we process your check electronically, your payment may may call us, but if you do we are not required to investigate any potential
be withdrawn from your deposit or other asset account as soon as the same errors and you may have to pay the amount in question.
day we receive your check, and you will not receive that cancelled check While we investigate whether or not there has been an error, the following
with your financial account statement. If we cannot collect the funds are true:
electronically we may issue a draft against your deposit or other asset =We cannot try to collect the amount in question, or report you as
account for the amount of the check. (2) By using Pay By Computer, Pay By delinquent on that amount.
Phone or any other electronic payment service of ours, you give us ~The charge in question may remain on your statement, and we may
permission to electronically withdraw funds from the deposit or other asset continue to charge you interest on that amount. But, if we determine that
account you specify in the amount you request. Payments using such we made a mistake, you will not have to pay the amount in question or any
services of ours received after 0 p.m. MST may not be credited until the interest or other fees related to that amount.
next day. = While you do not have to pay the amount in question, you are respon
How We Calculate Your Balance: We use the Average Daily Balance (ADB} for the remainder of your balance.
method (including new transactions) to calculate the balance on which we -We can apply any unpaid amount against your credit limit.
charge interest for Pay Over Time and/or Cash Advance balances on your Your Rights If You Are Dissatisfied With Your Credit Card Purchases
Account. Call the Customer Care number on page 3 for more information Ifyou are dissatisfied with the goods or services that you have purchased
about this balance computation method and how resulting interest with your credit card, and you have tried in good faith to correct the
charges are determined. The method we use to figure the ADB and interest problem with the merchant, you may have the right not to pay the
results in daily compounding of interest. remaining amount due on the purchase.
Paying Interest: Your due date is at least 25 days after the close of each To use this right, all of the following must be true:
billing period. if you have Pay Over Time, we will not charge you interest on 1. The purchase must have been made in your home state or within 100
charges automatically added to a Pay Over Time balance if each month you miles of your current mailing address, and the purchase price must have
pay your Account Total New Balance on your billing statement (or, if you been more than $50. (Note: Neither of these is necessary if your purchase
have a Plan balance, your Adjusted Balance on your billing statement) by was based on an advertisement we mailed to you, or if we own the
the due date. If you have Cash Advance on your Account, we will begin company that sold you the goods or services.)
charging interest on cash advances on the transaction date. if you have Pay 2. You must have used your credit card for the purchase. Purchases made
Over Time Select: we will begin charging interest on purchases added to a with cash advances from an ATM or with a check that accesses your credit
Pay Over Time Select balance at your request on the date that they are card account do not qualify.
added to your Pay Over Time Select balance. 3. You must not yet have fully paid for the purchase.
Foreign Currency Charges: If you make a Charge in a foreign currency, we Ifall of the criteria above are met and you are still dissatisfied with the
will convert it into US dollars on the date we or our agents process it. We purchase, contact us in writing or electronically at
will choose a conversion rate that is acceptable to us for that date, unless a American Express, PO Box 981535, El Paso TX 79998-1535
particular rate is required by law. The conversion rate we use is no more www.americanexpress.com
than the highest official rate published by a government agency or the While we investigate, the same rules applyto the disputed amount as
highest interbank rate we identify from customary banking sources on the discussed above. After we finish our investigation, we will tell you our
conversion date or the prior business day. This rate may differ from rates in decision. At that point, if we think you owe an amount and you do not pay
effect on the date of your charge. Charges converted by establishments will we may report you as delinquent.
be billed at the rates such establishments use.
Pay Your Bill with AutoPay
Deduct your payment from your bank
account automatically each month.
- Avoid late fees
~ Save time
Change of Address, phone number, email
Visit americanexpress.com/autopay
- Online at www.americanexpress.com/updatecontactinfo today to enroll
- Via mobile device
- Voice automated: call 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 communication or address change on t stub For information on how we protect your
privacy and to set your communication
and privacy choices, please visit
www.americanexpress.com/privacy.
C1-014J40X AMEX000434
=: INDEX NO. 160364/2023
NYSCEF DJ RECEIVED NYSCEF: 10/24/2023
ad American Express® Gold Card
EXERESS
SHACHAR ZEPLOVITCH
Closing Date 04/19/23 Account Ending 1-76000
Customer Care & Billing Inquiries 1-800-327-2177
International Collect 1-336-393-1111
Lost or Stolen Card 1-800-992-3404
Cash Advance at ATMs Inquiries 1-800-CASH-NOW Customer Care Payments
Large Print & Braille Statements 1-800-327-2177 & Billing Inquiries P.O. BOX 1270
P.O, BOX 981535 NEWARKNJ 07101-
EL PASO, TX 1270
79998-1535
Hearing Impaired
Online chat at americanexpress.com or use Relay dial 711 and 1-800-327-2177
Payments and Credits
{ ‘Summary,
Pay OverTime /
PayIn Full Cash Advance ¢ Total
Payments -$6,902.71 $0.00 -$6,902.71
Credits
SHACHAR ZEPLOVITCH 1-76000 -$819.24 $0.00 -$819.24
BIANCA MAIER 1-72025 -$37.00 $0.00 -$37.00
Total Payments and Credits -$7,758.95 $0.00 -$7,758.95
[ Detail “Indicates posting date
Payments Amount
04/05/23* SHACHAR ZEPLOVITCH MOBILE PAYMENT - THANK YOU -$1,500.00
04/14/23" SHACHAR ZEPLOVITCH AUTOPAY PAYMENT RECEIVED - THANK YOU -$5,402.71
Bank of America NA
Credits Amount
06/10/22 SHACHAR ZEPLOVITCH FRAUD CREDIT - MICROSOFT*MICROSOFT 365 F -$10.88
07/10/22 SHACHAR ZEPLOVITCH FRAUD CREDIT - MICROSOFT*MICROSOFT 365 F $10.88
03/23/23* SHACHAR ZEPLOVITCH FRAUD CREDIT -$10.88
03/23/23" SHACHAR ZEPLOVITCH FRAUD CREDIT -$10.88
03/23/23" SHACHAR ZEPLOVITCH FRAUD CREDIT -$10.88
03/31/23 SHACHAR ZEPLOVITCH DISPUTE CREDIT - LASER AND SKIN SURGERY CE -$400.00
04/01/23 SHACHAR ZEPLOVITCH APPLE STORE R251 R251 -$179.64
NEW YORK NY
ELECTRONICS STORE
04/09/23 SHACHAR ZEPLOVITCH DISPUTE CREDIT - ApIPay HUMMUS KITCHEN, -$101.25
04/12/23 SHACHAR ZEPLOVITCH DISPUTE CREDIT - FABLETICS.COM -$59.95
04/16/23* SHACHAR ZEPLOVITCH DISPUTE CREDIT - FABLETICS.COM -$24.00
04/18/23 BIANCA MAIER UBER EATS -$37.00
help.uber.com CA
H42SHA74 94103,
New Charges
_Summary
PayIn Full Pay Over Time ¢ Total
SHACHAR ZEPLOVITCH 1-76000 $8,788.28 $0.00 $8,788.28
BIANCA MAIER 1-72025 $4,789.25 $0.00 $4,789.25
Total New Charges $13,577.53 $0.00 $13,577.53
Continued on reverse
Cl-014J40X AMEX000435
INDEX NO. 160364/2023
RECEIVED NYSCEF: 10/24/2023
NYSCEF DOC. Mori ZEPLOVITCH Account Ending 1-76000
Detail
SHACHAR ZEPLOVITCH
Card Ending 1-76000
Amount
03/20/23 AplPay STARBUCKS STORE 0766 NEW YORK NY $24.93
FAST FOOD RESTAURANT
03/20/23 FIRST CITYCAB CORP. FIRST CITYCAB C QUEENS NY $22.00
TAXICAB & LIMOUSINE
03/20/23 AMAZON MARKETPLACE NA PA AMZN.COM/BILL WA $15.23
BOOK STORES
03/21/23 ApiPay LYFT 855-280-0278 CA $19.70
1791100139173138994104
LEDGER
03/21/23 AplPay DUANE READE #14181 000014181 NEW YORK NY $22.83
NONE 10023
PHARMACIES
03/21/23 AplPay NYCT PAYGO NEW YORK NY $2.75
LOCAL TRANSPORTATION
03/21/23 AMAZON MARKETPLACE NA PA AMZN.COM/BILL WA $8.70
BOOK STORES
03/21/23 ‘ApiPay NYCT PAYGO NEW YORK NY $2.75
LOCAL TRANSPORTATION
03/21/23 AplPay MORTON WILLIAMS - IVORY 00000000057 NEW YORK NY $15.44
9173883310
03/22/23 Amex Send: Add Money $325.00
6:40 PM EDT
03/22/23 AplPay NYCT PAYGO NEW YORK NY $2.75
LOCAL TRANSPORTATION
03/22/23 ‘ApiPay NYCT PAYGO NEW YORK NY $2.75
LOCAL TRANSPORTATION
03/22/23 ApIPay MORTON WILLIAMS - IVORY 00000000057 NEW YORK NY $24.44
9173883310
03/23/23 Ap|Pay Uber Trip help.uber.com CA $11.39
8005928996
03/23/23 BT*FLEXPRO MEALS. KANSAS CITY MO $191.81
8168883539
03/23/23 AplPay ROMA PIZZERIA AND RESTAUR 00-080378 NEW YORK NY $14.97
RESTAURANT.
03/23/23 TST* CONMIGO 00077120 NEW YORK NY $90.01
RESTAURANT.
03/23/23 SUITSUPPLYPOS_NY_MADISON_AVENUE NEW YORK $216.67
MEN'S CLOTHING
03/24/23 Amex Send: Add Money $200.00
7:32 PM PDT
03/24/23 AplPay Uber Trip help.uber.com CA $12.95
8005928996
03/24/23 ‘AplPay Uber Trip help.uber.com CA $20.34
8005928996
03/24/23 THE ALEXIS ROYAL SONES 021770021671416 SEATTLE WA $49.38
40016622 98104
03/24/23 ‘AplPay STARBUCKS C SEATTLE WA $22.00
515225 98158
03/24/23 TST* THE MARKET - SEATTLE 00050640 SEATTLE WA $11.03
RESTAURANT
03/24/23 ‘AplPay LYFT 855-280-0278 CA $41.71
1792734088498897494104
LEDGER
03/24/23 AplPay TST* THE MARKET - SEATTLE 00050640 SEATTLE WA $56.23
RESTAURANT
Continued on next page
Cl-014J40X AMEX000436
=: INDEX NO. 160364/2023
NYSCEF DJ RECEIVED NYSCEF: 10/24/2023
ad American Express® Gold Card
EXERESS
SHACHAR ZEPLOVITCH
Closing Date 04/19/23 Account Ending 1-76000
Detail Continued
Amount
03/24/23 ‘AplPay TARGET 027862 09100027862 SEATTLE WA $14.75
612-3044357
03/24/23 SALTYS ON ALKI SEATTLE WA $26.05
2069371600
03/24/23 SALTYS ON ALKI SEATTLE WA $16.13
2069371600
03/25/23 ‘ApiPay TARGET 027862 09100027862 SEATTLE WA $18.47
612-3044357
03/25/23 FOUR SEASONS GOLDFINCH SEATTLE WA $62.18
2067497000
03/25/23 ALASKA AIR IN FLIGHT 0000 SEATAC WA $15.00
206-988-9420
03/25/23 ApiPay LYFT 855-280-0278 CA $23.99
1792784077852973594104
LEDGER
03/26/23 JETBLUE AIRWAYS 9010001 JETBLUE NY $322.10
JETBLUE AIRWAYS
From: To: Carrier: Class:
SEATTLE-TACOMA INT N.Y. J F KENNEDY | Be Vv
Ticket Number: 27921191030740 Date of Departure: 03/27
Passenger Name: ZEPLOVITCH/SHAHAR MR
Document Type: PASSENGER TICKET
03/26/23 JETBLUE AIRWAYS 9010001 JETBLUE NY $30.00
JETBLUE AIRWAYS:
Ticket Number: 2794417501 7673 Date of Departure: 03/26
Passenger Name: ZEPLOVITCH/SHAHAR MR
Document Type: ADDITIONAL COLLECTION
03/26/23 JETBLUE AIRWAYS 9010001 JETBLUE NY $102.00
JETBLUE AIRWAYS
Ticket Number: 2794417501 7684 Date of Departure: 03/26
Passenger Name: ZEPLOVITCH/SHAHAR MR
Document Type: ADDITIONAL COLLECTION
03/26/23 ‘ApiPay TST* SKALKA 00000598 SEATTLE WA $36.94
RESTAURANT.
03/26/23 ApiPay RMCF - SEATTLE, WA FIRST 9247183691 SEATTLE WA $31.64
FKFEIN16@EMBARQMAIL.COM
03/26/23 ALL WATER BAR 2177, SEATTLE WA $150.44
833-407-1049
03/27/23 ECAB BURIEN WA $43.00
squareup.com/receipts
03/27/23 ApIPay BT*DUE' CUCINA ITALIANA (CAPITOL HI SEATTLE WA $94.68
8576008880
03/27/23 AplPay FONTE CAFE - SEA 000000003 SEATTLE WA $50.27
2067620760
03/27/23 THE ALEXIS ROYAL SONES 021770021671371 SEATTLE WA $208.79
Arrival Date Departure Date
03/24/23 03/27/23
00000000
LODGING
03/28/23 AplPay JETBLUE BUY ON BOARD 0 SALT LAKE CIT UT $24.00
800-538-2583
03/28/23 ApiPay LYFT 855-280-0278 CA $70.99
1793877569892527694104
LEDGER
03/28/23 AplPay BROOKLYN FARE #2516 000002516 NEW YORK NY $44.84
9177501055
GROCERY STORES
Continued on reverse
Cl-014J40X AMEX000437
INDEX NO. 160364/2023
RECEIVED NYSCEE: 10/24/2023
NYSCEF DOC. NOxcifée ZEPLOVITCH Account Ending 1-76000
Detail Continued _
Amount
03/28/23 APPLE.COM/BILL INTERNET CHARGE CA $5.99
RECORD STORE
03/29/23 ApiPay LYFT 855-280-0278 CA $24.99
1794056572641962694104
LEDGER
03/29/23 AplPay MORTON WILLIAMS - IVORY 00000000057 NEW YORK NY $9.64
9173883310
03/30/23 FABLETICS.COM, 855-202-3570 CA $24.00
855-202-3570
03/30/23 POINT.ME NEW YORK NY $5.00
+19174262392
03/30/23 sT*FLEXPRO MEALS KANSAS CITY Mo $191.81
8168883539
03/31/23 FIRST CITYCAB CORP. FIRST CITYCAB C QUEENS NY $26.61
TAXICAB & LIMOUSINE
03/31/23 AplPay LYFT 855-280-0278 CA $26.97
1795165947854127594104
LEDGER
03/31/23 AplPay MORTON WILLIAMS - IVORY 00000000057 NEW YORK NY $20.00
9173883310
04/01/23 APPLE ONLINE STORE CUPERTINO CA $869.91
2017745755 10023-
COM*PUTER/SOFTWARE
W1204516250
AL16796468
04/01/23 ApiPay LYFT 855-280-0278 CA $23.99
1795303727207549394104
LEDGER
04/02/23 SPOTIFY USA NEW YORK NY $9.99
DIRECT MKTG MISC
04/02/23 CECCONI'S-NED NOMAD NEW YORK NY $52.26
Arrival Date Departure Date
04/02/23 04/02/23
00000000
LODGING
04/02/23 STARBUCKS STORE 0766 NEW YORK NY $27.65
FAST FOOD RESTAURANT
04/02/23 ApIPay NYC-TAXI VERIFONE LONG ISLAND CITY NY $27.50
718-786-8585
04/02/23 AplPay WSJ/BARRON'S 800-568-7625 NJ $4.00
SUBSCRIPTION
04/02/23 AplPay NYCT PAYGO NEW YORK NY $2.75
LOCAL TRANSPORTATION
04/02/23 AplPay EATALY NY CATAPULT NEW YORK NY $30.59
212-229-2560
04/02/23 Ap|Pay WINE EMPORIUM 650000009014195 NEW YORK NY $25.03
2125179463
04/02/23 ApiPay IC" INSTACART SAN FRANCISCO CA $62.52
+18882467822
04/03/23 AplPay Uber Trip help.uber.com CA $15.45
8005928996
04/03/23 UBER EATS. help.uber.com CA $19.80
XOALXAZF 94103
04/03/23 Ap|Pay BROOKLYN FARE #2516 000002516 NEW YORK NY $8.16
9177501055
04/03/23 ApIPay MORTON WILLIAMS - IVORY 00000000057 NEW YORK NY $33.75
9173883310
Continued on next page
Cl-014J40X AMEX000438,
=: INDEX NO. 160364/2023
NYSCEF DJ RECEIVED NYSCEF: 10/24/2023
ad American Express® Gold Card
EXERESS
SHACHAR ZEPLOVITCH
Closing Date 04/19/23 Account Ending 1-76000
Detail Continued
Amount
04/04/23 UNITED AIRLINES HOUSTON $156.00
UNITED AIRLINES
From: To: Carrier: Class:
NEW YORK LA GUARDI NEW YORK LA GUARDI UA 00
DENVER INTL APT UA 00
ASPEN UA 00
Ticket Number: 01698440575064 Date of Departure: 04/12
Passenger Name: ZEPLOVITCH/BUNDLE EXTRA B
Document Type: PACKAGES
04/04/23 UNITED AIRLINES HOUSTON $156.00
UNITED AIRLINES
From: To: Carrier: Class:
ASPEN ASPEN UA 00
DENVER INTL APT UA 00
NEW YORK LA GUARDI UA 00
Ticket Number: 01698440575075 Date of Departure: 04/17
Passenger Name: ZEPLOVITCH/BUNDLE EXTRA B
Document Type: PACKAGES
04/04/23 UNITED AIRLINES HOUSTON $899.40
UNITED AIRLINES
rom: To: Carrier: Class:
NEW YORK LA GUARDI DENVER INTL APT UA 00
ASPEN UA 00
DENVER INTL APT UA 00
NEW YORK LA GUARDI UA 00
Ticket Number: 01624773859855 Date of Departure: 04/12
Passenger Name: ZEPLOVITCH/SHAHAR,
Document Type: PASSENGER TICKET
04/04/23 AplPay LYFT 855-280-0278 CA $25.78
1796272509789056794104
LEDGER
04/04/23 AMAZON.COM AMZN.COM/BILL WA $29.98
MERCHANDISE
04/04/23 THE NORTH FACE.COM (888)863-1968 wi $119.06
APPAREL
04/04/23 AplPay DUANE READE #14181 000014181 NEW YORK NY $6.55
NONE 10023
PHARMACIES
04/04/23 AMAZON MARKETPLACE NA PA AMZN.COM/BILL WA $14.10
BOOK STORES
04/04/23 AMAZON MARKETPLACE NA PA AMZN.COM/BILL WA $16.32
BOOK STORES
04/04/23 AplPay MORTON WILLIAMS - IVORY 00000000057 NEW YORK NY $9.64
9173883310
04/05/23 UBER ONE help.uber.com CA $9.99
8005928996
04/05/23 Amazon Prime
Preview
=: INDEX NO. 160364/2023 NYSCEF DJ 2 RECEIVED NYSCEF: 10/24/2023 AMERICAN, American Express® Gold Card EXERESS SHACHAR ZEPLOVITCH Customer Care: 1-800-327-2177 Closing Date 04/19/23 Use Relay 711 Account Ending 1-76000 Website: americanexpress.com Membership Rewards® Points New Balance $13,172.62 Available and Pending as of 03/31/23 162,367 Payment Due Date 05/14/23 [2 For more details about Rewards, please | visit americanexpress.com/rewardsinfo | Late Payment Warning: If we do not receive your payment by the Payment Due Account Summary Date of 05/14/23 , you may have to pay a late fee of up to $40.00. PayIn Full Previous Balance $7,325.04 Payments/Credits -$7,758.95 New Charges +$13,577.53 Fees +$29.00 New Balance = $13,172.62 See page 2 for important information about your account. Pay Over Time and/or Cash Advance Previous Balance $0.00 aN New York Residents: New York Residents may contact the New York State Payments/Credits -$0.00 VU Department of Financial Services by telephone or visit its website for free New Pay Over Time Charges +$0.00 information on comparative credit card rates, fees, and grace periods. New York New Cash Advances +$0,00 Department of Financial Services: 1-800-342-3736 or www.dfs.ny.gov. Fees +$0.00 oO Interest Charged +$0.00 Please refer to the IMPORTANT NOTICES section for any changes to New Balance = $0.00 your Account terms and any other communications on Minimum Due $0.00 pages 13-14. ~ (Account Total a Previous Balance $7,325.04 VY We will debit your bank account for your payment of $13,172.62 on Payments/Credits -$7,758.95 05/14/23. This date may not be the same date your bank will debit your New Charges +$13,577.53, bank account. Any inquiry to American Express concerning this debit New Cash Advances +$0.00 should be made before 05/12/23. If your AutoPay payment is less than Fees +$29.00 your New Balance, we must receive an additional payment for at least Interest Charged +$0.00 the difference by the Payment Due Date. New Balance $13,172.62 ma For more information on your Pay Over Time Limit and your purchasing options, please see page 1 “Pay Over Time Li it $2,000.00 Available Pay Over Time Limit $2,000.00 / cI Payment Coupon Do not staple or use paper clips Pay by Computer americanexpress.com/pbc Vd Pay by Phone 1-800-472-9297 Account Ending 1-76000 Enter 15 digit account # on all payments. Make check payable to American Express. SHACHAR ZEPLOVITCH Payment Due Date 33 WEST END AVE 05/14/23 NeW YORK NY 10023-7821 AutoPay Amount 7 62 See reverse side for instructions AMERICAN EXPRESS on how to update your address, P.O. BOX 1270 phone number, or email. NEWARK NJ 07101-1270 Wovsbesstoallcslbatbaltol tall 0000349992?bbeeb?28 OOL3L?ebe2OOL3L?ebe Lb A Cl-014J40X AMEX000433 INDEX NO. 160364/2023 RECEIVED NYSCEF: 10/24/2023 NYSCEF DOC. Meri ZEPLOVITCH Account Ending 1-76000 Payments: Your payment must be sent to the payment address shown on Credit Balanc: credit balance (designated CR) shown on this statement your statement and must be received by 5 p.m. local time at that address to represents money owed to you. If within the six-month period following be credited as of the day itis received. Payments we receive after 5 p.m. will the date of the first statement indicating the credit balance you do not not be credited to your Account until the next day. Payments must also: (1) request a refund or charge enough to use up the credit balance, we will include the remittance coupon from your statement; (2) be made with a send you a check for the credit balance within 30 days if the amount is single check drawn on a US bank and payable in US dollars, or with a $1.00 or more. To request a refund, contact us at the address or phone negotiable instrument payable in US dollars and clearable through the US number on page 3 for Customer Care & Billing Inquiries. banking system; and (3) include your Account number. If your payment Credit Reporting: We may report information about your Account to credit does not meet all of the above requirements, crediting may be delayed and bureaus. Late payments, missed payments, or other defaults on your you may incur late payment fees and additional interest charges. Electronic Account may be reflected in your credit report. payments must be made through an electronic payment method payable What To Do If You Think You Find A Mistake On Your Statement in US dollars and clearable through the US banking system. Please do not Ifyou think there is an error on your statement, write to us at: send post-dated checks as they will be deposited upon receipt. Any American Express, PO Box 981535, El Paso TX 79998-1535 restrictive language on a payment we accept will have no effect on us You may also contact us on the Web: www.americanexpress.com without our express prior written approval. We will re-present to your In your letter, give us the following information: financial institution any payment that is returned unpaid. - Account informati ‘our name and account number. Permission for Electronic Withdrawal:(1) When you send a check for - Dollar amount: The dollar amount of the suspected error. payment, you give us permission to electronically withdraw your payment - Description of Problem: If you think there is an error on your bill, from your deposit or other asset account. We will process checks describe what you believe is wrong and why you believe itis a mistake. electronically by transmitting the amount of the check, routing number, You must contact us within 60 days after the error appeared on your account number and check serial number to your financial institution, statement, unless the check is not processable electronically or a less costly process is You must notify us of any potential errors in writing [or electronically]. You available. When we process your check electronically, your payment may may call us, but if you do we are not required to investigate any potential be withdrawn from your deposit or other asset account as soon as the same errors and you may have to pay the amount in question. day we receive your check, and you will not receive that cancelled check While we investigate whether or not there has been an error, the following with your financial account statement. If we cannot collect the funds are true: electronically we may issue a draft against your deposit or other asset =We cannot try to collect the amount in question, or report you as account for the amount of the check. (2) By using Pay By Computer, Pay By delinquent on that amount. Phone or any other electronic payment service of ours, you give us ~The charge in question may remain on your statement, and we may permission to electronically withdraw funds from the deposit or other asset continue to charge you interest on that amount. But, if we determine that account you specify in the amount you request. Payments using such we made a mistake, you will not have to pay the amount in question or any services of ours received after 0 p.m. MST may not be credited until the interest or other fees related to that amount. next day. = While you do not have to pay the amount in question, you are respon How We Calculate Your Balance: We use the Average Daily Balance (ADB} for the remainder of your balance. method (including new transactions) to calculate the balance on which we -We can apply any unpaid amount against your credit limit. charge interest for Pay Over Time and/or Cash Advance balances on your Your Rights If You Are Dissatisfied With Your Credit Card Purchases Account. Call the Customer Care number on page 3 for more information Ifyou are dissatisfied with the goods or services that you have purchased about this balance computation method and how resulting interest with your credit card, and you have tried in good faith to correct the charges are determined. The method we use to figure the ADB and interest problem with the merchant, you may have the right not to pay the results in daily compounding of interest. remaining amount due on the purchase. Paying Interest: Your due date is at least 25 days after the close of each To use this right, all of the following must be true: billing period. if you have Pay Over Time, we will not charge you interest on 1. The purchase must have been made in your home state or within 100 charges automatically added to a Pay Over Time balance if each month you miles of your current mailing address, and the purchase price must have pay your Account Total New Balance on your billing statement (or, if you been more than $50. (Note: Neither of these is necessary if your purchase have a Plan balance, your Adjusted Balance on your billing statement) by was based on an advertisement we mailed to you, or if we own the the due date. If you have Cash Advance on your Account, we will begin company that sold you the goods or services.) charging interest on cash advances on the transaction date. if you have Pay 2. You must have used your credit card for the purchase. Purchases made Over Time Select: we will begin charging interest on purchases added to a with cash advances from an ATM or with a check that accesses your credit Pay Over Time Select balance at your request on the date that they are card account do not qualify. added to your Pay Over Time Select balance. 3. You must not yet have fully paid for the purchase. Foreign Currency Charges: If you make a Charge in a foreign currency, we Ifall of the criteria above are met and you are still dissatisfied with the will convert it into US dollars on the date we or our agents process it. We purchase, contact us in writing or electronically at will choose a conversion rate that is acceptable to us for that date, unless a American Express, PO Box 981535, El Paso TX 79998-1535 particular rate is required by law. The conversion rate we use is no more www.americanexpress.com than the highest official rate published by a government agency or the While we investigate, the same rules applyto the disputed amount as highest interbank rate we identify from customary banking sources on the discussed above. After we finish our investigation, we will tell you our conversion date or the prior business day. This rate may differ from rates in decision. At that point, if we think you owe an amount and you do not pay effect on the date of your charge. Charges converted by establishments will we may report you as delinquent. be billed at the rates such establishments use. Pay Your Bill with AutoPay Deduct your payment from your bank account automatically each month. - Avoid late fees ~ Save time Change of Address, phone number, email Visit americanexpress.com/autopay - Online at www.americanexpress.com/updatecontactinfo today to enroll - Via mobile device - Voice automated: call 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 communication or address change on t stub For information on how we protect your privacy and to set your communication and privacy choices, please visit www.americanexpress.com/privacy. C1-014J40X AMEX000434 =: INDEX NO. 160364/2023 NYSCEF DJ RECEIVED NYSCEF: 10/24/2023 ad American Express® Gold Card EXERESS SHACHAR ZEPLOVITCH Closing Date 04/19/23 Account Ending 1-76000 Customer Care & Billing Inquiries 1-800-327-2177 International Collect 1-336-393-1111 Lost or Stolen Card 1-800-992-3404 Cash Advance at ATMs Inquiries 1-800-CASH-NOW Customer Care Payments Large Print & Braille Statements 1-800-327-2177 & Billing Inquiries P.O. BOX 1270 P.O, BOX 981535 NEWARKNJ 07101- EL PASO, TX 1270 79998-1535 Hearing Impaired Online chat at americanexpress.com or use Relay dial 711 and 1-800-327-2177 Payments and Credits { ‘Summary, Pay OverTime / PayIn Full Cash Advance ¢ Total Payments -$6,902.71 $0.00 -$6,902.71 Credits SHACHAR ZEPLOVITCH 1-76000 -$819.24 $0.00 -$819.24 BIANCA MAIER 1-72025 -$37.00 $0.00 -$37.00 Total Payments and Credits -$7,758.95 $0.00 -$7,758.95 [ Detail “Indicates posting date Payments Amount 04/05/23* SHACHAR ZEPLOVITCH MOBILE PAYMENT - THANK YOU -$1,500.00 04/14/23" SHACHAR ZEPLOVITCH AUTOPAY PAYMENT RECEIVED - THANK YOU -$5,402.71 Bank of America NA Credits Amount 06/10/22 SHACHAR ZEPLOVITCH FRAUD CREDIT - MICROSOFT*MICROSOFT 365 F -$10.88 07/10/22 SHACHAR ZEPLOVITCH FRAUD CREDIT - MICROSOFT*MICROSOFT 365 F $10.88 03/23/23* SHACHAR ZEPLOVITCH FRAUD CREDIT -$10.88 03/23/23" SHACHAR ZEPLOVITCH FRAUD CREDIT -$10.88 03/23/23" SHACHAR ZEPLOVITCH FRAUD CREDIT -$10.88 03/31/23 SHACHAR ZEPLOVITCH DISPUTE CREDIT - LASER AND SKIN SURGERY CE -$400.00 04/01/23 SHACHAR ZEPLOVITCH APPLE STORE R251 R251 -$179.64 NEW YORK NY ELECTRONICS STORE 04/09/23 SHACHAR ZEPLOVITCH DISPUTE CREDIT - ApIPay HUMMUS KITCHEN, -$101.25 04/12/23 SHACHAR ZEPLOVITCH DISPUTE CREDIT - FABLETICS.COM -$59.95 04/16/23* SHACHAR ZEPLOVITCH DISPUTE CREDIT - FABLETICS.COM -$24.00 04/18/23 BIANCA MAIER UBER EATS -$37.00 help.uber.com CA H42SHA74 94103, New Charges _Summary PayIn Full Pay Over Time ¢ Total SHACHAR ZEPLOVITCH 1-76000 $8,788.28 $0.00 $8,788.28 BIANCA MAIER 1-72025 $4,789.25 $0.00 $4,789.25 Total New Charges $13,577.53 $0.00 $13,577.53 Continued on reverse Cl-014J40X AMEX000435 INDEX NO. 160364/2023 RECEIVED NYSCEF: 10/24/2023 NYSCEF DOC. Mori ZEPLOVITCH Account Ending 1-76000 Detail SHACHAR ZEPLOVITCH Card Ending 1-76000 Amount 03/20/23 AplPay STARBUCKS STORE 0766 NEW YORK NY $24.93 FAST FOOD RESTAURANT 03/20/23 FIRST CITYCAB CORP. FIRST CITYCAB C QUEENS NY $22.00 TAXICAB & LIMOUSINE 03/20/23 AMAZON MARKETPLACE NA PA AMZN.COM/BILL WA $15.23 BOOK STORES 03/21/23 ApiPay LYFT 855-280-0278 CA $19.70 1791100139173138994104 LEDGER 03/21/23 AplPay DUANE READE #14181 000014181 NEW YORK NY $22.83 NONE 10023 PHARMACIES 03/21/23 AplPay NYCT PAYGO NEW YORK NY $2.75 LOCAL TRANSPORTATION 03/21/23 AMAZON MARKETPLACE NA PA AMZN.COM/BILL WA $8.70 BOOK STORES 03/21/23 ‘ApiPay NYCT PAYGO NEW YORK NY $2.75 LOCAL TRANSPORTATION 03/21/23 AplPay MORTON WILLIAMS - IVORY 00000000057 NEW YORK NY $15.44 9173883310 03/22/23 Amex Send: Add Money $325.00 6:40 PM EDT 03/22/23 AplPay NYCT PAYGO NEW YORK NY $2.75 LOCAL TRANSPORTATION 03/22/23 ‘ApiPay NYCT PAYGO NEW YORK NY $2.75 LOCAL TRANSPORTATION 03/22/23 ApIPay MORTON WILLIAMS - IVORY 00000000057 NEW YORK NY $24.44 9173883310 03/23/23 Ap|Pay Uber Trip help.uber.com CA $11.39 8005928996 03/23/23 BT*FLEXPRO MEALS. KANSAS CITY MO $191.81 8168883539 03/23/23 AplPay ROMA PIZZERIA AND RESTAUR 00-080378 NEW YORK NY $14.97 RESTAURANT. 03/23/23 TST* CONMIGO 00077120 NEW YORK NY $90.01 RESTAURANT. 03/23/23 SUITSUPPLYPOS_NY_MADISON_AVENUE NEW YORK $216.67 MEN'S CLOTHING 03/24/23 Amex Send: Add Money $200.00 7:32 PM PDT 03/24/23 AplPay Uber Trip help.uber.com CA $12.95 8005928996 03/24/23 ‘AplPay Uber Trip help.uber.com CA $20.34 8005928996 03/24/23 THE ALEXIS ROYAL SONES 021770021671416 SEATTLE WA $49.38 40016622 98104 03/24/23 ‘AplPay STARBUCKS C SEATTLE WA $22.00 515225 98158 03/24/23 TST* THE MARKET - SEATTLE 00050640 SEATTLE WA $11.03 RESTAURANT 03/24/23 ‘AplPay LYFT 855-280-0278 CA $41.71 1792734088498897494104 LEDGER 03/24/23 AplPay TST* THE MARKET - SEATTLE 00050640 SEATTLE WA $56.23 RESTAURANT Continued on next page Cl-014J40X AMEX000436 =: INDEX NO. 160364/2023 NYSCEF DJ RECEIVED NYSCEF: 10/24/2023 ad American Express® Gold Card EXERESS SHACHAR ZEPLOVITCH Closing Date 04/19/23 Account Ending 1-76000 Detail Continued Amount 03/24/23 ‘AplPay TARGET 027862 09100027862 SEATTLE WA $14.75 612-3044357 03/24/23 SALTYS ON ALKI SEATTLE WA $26.05 2069371600 03/24/23 SALTYS ON ALKI SEATTLE WA $16.13 2069371600 03/25/23 ‘ApiPay TARGET 027862 09100027862 SEATTLE WA $18.47 612-3044357 03/25/23 FOUR SEASONS GOLDFINCH SEATTLE WA $62.18 2067497000 03/25/23 ALASKA AIR IN FLIGHT 0000 SEATAC WA $15.00 206-988-9420 03/25/23 ApiPay LYFT 855-280-0278 CA $23.99 1792784077852973594104 LEDGER 03/26/23 JETBLUE AIRWAYS 9010001 JETBLUE NY $322.10 JETBLUE AIRWAYS From: To: Carrier: Class: SEATTLE-TACOMA INT N.Y. J F KENNEDY | Be Vv Ticket Number: 27921191030740 Date of Departure: 03/27 Passenger Name: ZEPLOVITCH/SHAHAR MR Document Type: PASSENGER TICKET 03/26/23 JETBLUE AIRWAYS 9010001 JETBLUE NY $30.00 JETBLUE AIRWAYS: Ticket Number: 2794417501 7673 Date of Departure: 03/26 Passenger Name: ZEPLOVITCH/SHAHAR MR Document Type: ADDITIONAL COLLECTION 03/26/23 JETBLUE AIRWAYS 9010001 JETBLUE NY $102.00 JETBLUE AIRWAYS Ticket Number: 2794417501 7684 Date of Departure: 03/26 Passenger Name: ZEPLOVITCH/SHAHAR MR Document Type: ADDITIONAL COLLECTION 03/26/23 ‘ApiPay TST* SKALKA 00000598 SEATTLE WA $36.94 RESTAURANT. 03/26/23 ApiPay RMCF - SEATTLE, WA FIRST 9247183691 SEATTLE WA $31.64 FKFEIN16@EMBARQMAIL.COM 03/26/23 ALL WATER BAR 2177, SEATTLE WA $150.44 833-407-1049 03/27/23 ECAB BURIEN WA $43.00 squareup.com/receipts 03/27/23 ApIPay BT*DUE' CUCINA ITALIANA (CAPITOL HI SEATTLE WA $94.68 8576008880 03/27/23 AplPay FONTE CAFE - SEA 000000003 SEATTLE WA $50.27 2067620760 03/27/23 THE ALEXIS ROYAL SONES 021770021671371 SEATTLE WA $208.79 Arrival Date Departure Date 03/24/23 03/27/23 00000000 LODGING 03/28/23 AplPay JETBLUE BUY ON BOARD 0 SALT LAKE CIT UT $24.00 800-538-2583 03/28/23 ApiPay LYFT 855-280-0278 CA $70.99 1793877569892527694104 LEDGER 03/28/23 AplPay BROOKLYN FARE #2516 000002516 NEW YORK NY $44.84 9177501055 GROCERY STORES Continued on reverse Cl-014J40X AMEX000437 INDEX NO. 160364/2023 RECEIVED NYSCEE: 10/24/2023 NYSCEF DOC. NOxcifée ZEPLOVITCH Account Ending 1-76000 Detail Continued _ Amount 03/28/23 APPLE.COM/BILL INTERNET CHARGE CA $5.99 RECORD STORE 03/29/23 ApiPay LYFT 855-280-0278 CA $24.99 1794056572641962694104 LEDGER 03/29/23 AplPay MORTON WILLIAMS - IVORY 00000000057 NEW YORK NY $9.64 9173883310 03/30/23 FABLETICS.COM, 855-202-3570 CA $24.00 855-202-3570 03/30/23 POINT.ME NEW YORK NY $5.00 +19174262392 03/30/23 sT*FLEXPRO MEALS KANSAS CITY Mo $191.81 8168883539 03/31/23 FIRST CITYCAB CORP. FIRST CITYCAB C QUEENS NY $26.61 TAXICAB & LIMOUSINE 03/31/23 AplPay LYFT 855-280-0278 CA $26.97 1795165947854127594104 LEDGER 03/31/23 AplPay MORTON WILLIAMS - IVORY 00000000057 NEW YORK NY $20.00 9173883310 04/01/23 APPLE ONLINE STORE CUPERTINO CA $869.91 2017745755 10023- COM*PUTER/SOFTWARE W1204516250 AL16796468 04/01/23 ApiPay LYFT 855-280-0278 CA $23.99 1795303727207549394104 LEDGER 04/02/23 SPOTIFY USA NEW YORK NY $9.99 DIRECT MKTG MISC 04/02/23 CECCONI'S-NED NOMAD NEW YORK NY $52.26 Arrival Date Departure Date 04/02/23 04/02/23 00000000 LODGING 04/02/23 STARBUCKS STORE 0766 NEW YORK NY $27.65 FAST FOOD RESTAURANT 04/02/23 ApIPay NYC-TAXI VERIFONE LONG ISLAND CITY NY $27.50 718-786-8585 04/02/23 AplPay WSJ/BARRON'S 800-568-7625 NJ $4.00 SUBSCRIPTION 04/02/23 AplPay NYCT PAYGO NEW YORK NY $2.75 LOCAL TRANSPORTATION 04/02/23 AplPay EATALY NY CATAPULT NEW YORK NY $30.59 212-229-2560 04/02/23 Ap|Pay WINE EMPORIUM 650000009014195 NEW YORK NY $25.03 2125179463 04/02/23 ApiPay IC" INSTACART SAN FRANCISCO CA $62.52 +18882467822 04/03/23 AplPay Uber Trip help.uber.com CA $15.45 8005928996 04/03/23 UBER EATS. help.uber.com CA $19.80 XOALXAZF 94103 04/03/23 Ap|Pay BROOKLYN FARE #2516 000002516 NEW YORK NY $8.16 9177501055 04/03/23 ApIPay MORTON WILLIAMS - IVORY 00000000057 NEW YORK NY $33.75 9173883310 Continued on next page Cl-014J40X AMEX000438, =: INDEX NO. 160364/2023 NYSCEF DJ RECEIVED NYSCEF: 10/24/2023 ad American Express® Gold Card EXERESS SHACHAR ZEPLOVITCH Closing Date 04/19/23 Account Ending 1-76000 Detail Continued Amount 04/04/23 UNITED AIRLINES HOUSTON $156.00 UNITED AIRLINES From: To: Carrier: Class: NEW YORK LA GUARDI NEW YORK LA GUARDI UA 00 DENVER INTL APT UA 00 ASPEN UA 00 Ticket Number: 01698440575064 Date of Departure: 04/12 Passenger Name: ZEPLOVITCH/BUNDLE EXTRA B Document Type: PACKAGES 04/04/23 UNITED AIRLINES HOUSTON $156.00 UNITED AIRLINES From: To: Carrier: Class: ASPEN ASPEN UA 00 DENVER INTL APT UA 00 NEW YORK LA GUARDI UA 00 Ticket Number: 01698440575075 Date of Departure: 04/17 Passenger Name: ZEPLOVITCH/BUNDLE EXTRA B Document Type: PACKAGES 04/04/23 UNITED AIRLINES HOUSTON $899.40 UNITED AIRLINES rom: To: Carrier: Class: NEW YORK LA GUARDI DENVER INTL APT UA 00 ASPEN UA 00 DENVER INTL APT UA 00 NEW YORK LA GUARDI UA 00 Ticket Number: 01624773859855 Date of Departure: 04/12 Passenger Name: ZEPLOVITCH/SHAHAR, Document Type: PASSENGER TICKET 04/04/23 AplPay LYFT 855-280-0278 CA $25.78 1796272509789056794104 LEDGER 04/04/23 AMAZON.COM AMZN.COM/BILL WA $29.98 MERCHANDISE 04/04/23 THE NORTH FACE.COM (888)863-1968 wi $119.06 APPAREL 04/04/23 AplPay DUANE READE #14181 000014181 NEW YORK NY $6.55 NONE 10023 PHARMACIES 04/04/23 AMAZON MARKETPLACE NA PA AMZN.COM/BILL WA $14.10 BOOK STORES 04/04/23 AMAZON MARKETPLACE NA PA AMZN.COM/BILL WA $16.32 BOOK STORES 04/04/23 AplPay MORTON WILLIAMS - IVORY 00000000057 NEW YORK NY $9.64 9173883310 04/05/23 UBER ONE help.uber.com CA $9.99 8005928996 04/05/23 Amazon Prime