Preview
FILED: SENECA COUNTY CLERK 11/14/2023 10:48 AM INDEX NO. 20230367
NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 11/14/2023
B"
"EXHIBIT
FILED: SENECA COUNTY CLERK 11/14/2023 10:48 AM INDEX NO. 20230367
NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 11/14/2023
AccountNumber:
NewBalancer................................
$4,163.07
VISA Mwmumeaymentoue .................m..57
PaymentDueDate:.........February6, 2023
Make
checks toFirst
payable National9onk
ofOmaha
FirstNationalBankofOmaha
P.O.Box2S57
mass o14s77 Omaha,NE88103-2557
JASONMPALMER
9 TALLOAKSDR
SENECA FALLSNY13148-1133 Changeof Address?If yes,please
completereverseside.
%0
PLEASE
DETAcH
HERE
AND TOP
RETURN WITH
PORTloN YOUR
PAY
MENT
Platinum Edit.ion® Visa® AccountNumber:
ACCount Summary Payment Information
PreviousBalance ...............$4,512.31 New Balance .....................................................................
$4,163.07
Payments..............................
-$385.00 MinimumPaymentDue ........................................................ $159.57
Other Credits ............................-$0.00 PastDue Amount ...............,,....................................................
$0.00
Purchases................................
+$0.00 Payment Due Date ...................................................
February 8, 2023
BalanceTransfers ...................+$0.00
CashAdvances .......................+$0.00 Late Payment Warning: Itwedonotreceiveyourminimum
FeesCharged ..........................+$0.00 paymentby thedatelistedabove,youmayhaveto paya lateleeof up to
interestCharged ....................+$35.76 $40.
New Balance .....................$4,163.07
Minimum Payment Warning: Ifyoumakeonlytheminimum
StatementClosing Date .......01/11/23 paymenteachperiod,youwillpaymorein interestanditwilltakeyou
Days in Billing Cycle .......................30 longerto payoffyourbalance.ForExample:
KyoumakenoaddiMonalYouwillpayofthebdance And youwMendup
Total CreditLimit ...............$7,850.00 °h,81*n'Hy u a . a .
AvailableCredit ..................$3,686.00
Cash Limit ...........................$1,600.00 Onlytheminimum
payment 6 years $5.127
AvailableCash ...................$1,600.00 s1s4 syears $4.824
(savings
630s)
Ifyouwould
likeInfonnation
about
creditcounsellng cal1-866-486-6322.
services,
Customer Service Call: Toll Free 1-888-530-3626
(TDDTelecommunloations fortheDeal:
Device (Balance
1-800e25-2833) Transfer
Holline:1-877-388-8231)
SaveTime and Stamps Visit: www.fnbo.com
by PayingOnline! Remitto: FirstNationalBankofOmaha,P.O.Box2557,Omaha,NE68103-2557
Smart Tips
Give your credit rating a little boost!
Payingover your rninimumamountdue can help reduceyour accountbalancefasterthan you think -
and a lower averagebalancecan help add up to a highercreditscore!
Transaction Detail
Trans Post Reference Transaction Credits (CR)
Date Date Number Description and Debits
PaymentsandOtherCredits
12-18 12-19 7441800235304s001331sse
ONLINEPAYMENT
THANKYOU $160.00(CR)
1-06 1-o6 744tooo3006045cot241631 THANKYOU
ONLINEPAYMENT $225.00(CR)
Fees
TotalFeesForThis Period $0.00
InterestCharged
InterestChameon Purchases $35.76
InterestChameon CashAdvances 40.00
InterestChargeonBalancesTransfers 30.00
TotalInterestForThis Period $35.76
YourAnnualPercentageRate(APR)is theannualinterestrateonyouraccount. (v) VariableRate (I) FixedRate
Charge AnnualPercentage Specialofferor Eligible BalanceSubject DaysRate
Rate(APR) PurchaseAPRExpiration Date toInterestRate Used InterestChafge
Summary
Purchases 9.99%(1) N/A $4,351.47 30 $35.76
CashAdvance 28.99%(v) N/A $0.00 30 $0.00
2023 Total Year-to-Date
Totalfeeschargedin2023........................................................
$0.00
Totalinterestchargedin2023 ...............................................
$36.76
issued
byFirstNationalBank
ofOmaha laradditional
Seereverse Information.
Continuednextpage
FILED: SENECA COUNTY CLERK 11/14/2023 10:48 AM INDEX NO. 20230367
NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 11/14/2023
Thank you
Thank you for your business.
Account Number.
age002o 02
Additional Information Regarding Your Account
NEW YORK RESIDENTSmay contactthe New YorkState Departmentof Financial
Servicesto obtaina comparativelisting of creditcard rates,fees and grace periods.
NewYork State Departmentof FinancialServices: 1-677-226-6697.
Notice of Changes to your Account:
Congratulationst
We have recently increased the revolving credit and/or cash limit on your account.
Your revolving credit limit is now $9,050 and
your cash limit is now $1,850.
FILED: SENECA COUNTY CLERK 11/14/2023 10:48 AM INDEX NO. 20230367
NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 11/14/2023
To ensure accuracy,pleaseprint clearlyusing upper-caselettersand nurnbersonly.
Pleasedo not use Red ink, Gel pens or Pencil.
CHANGE OF ADDRESS, PHONE, OR E-MAIL
Address
Apt/Bldg#
City
State, ZIP
HornePhone
Work Phone
Cell Phone
E-rnailAddress
Ifyouhavea CreditCardforbusinesspurposes,andarerequesting
anaddresschange,wemayrequestadditional
information.
Balance Subjectto InterestRate: Each"Balance Subject to amountinquestion oranyinterest orotherfeesrelatedtothatamount.
Rale'
Interest shown onthefrontofthisstatement foreachBalance " Whileyoudo nothaveto paytheamount in question, youare
Category isdetermined usingtheaverage daHy balance (including responsiMe forthe remainder ofyour balance.
newpurchases) method.Eachsuchbalance is calculated " Wecanapply unpaidamount against yourcredt
foreachperiodthata particular any l imit.
separately ratewasin effect YourRights IfYouAreDissatisfied WithYourCredit CardPurchases
(refened10below asa"RalePeriod). Togeleachaverage daily Ifyouaredissatisfied withthegoods orservices thatyouhavepurchased
balance foreachBalance Category, wetirstcompute a "Daily withyourcredtcard,andyouhaveidedingoodfaithfocorrect
Balance'foreachdayoftheRatePeriod the
asfollows: (1)westart problem withthemerchant, youmayhavetherightnotto paythe
withthebeginning balance of eachday,(2)weaddanynew remaining amount dueonthepurchase. Tousethisright,allof the
transactions and fees,and(3) we subtractany applk:able muslbeIrue:1.Thepurchase musthavebeenmade
following inyour
payments, credils,or creditadjuslments. Eachaverage daily home Stateorwithin100milesofyourcurrent andthe
balance thatisshown onthefrontiscomputed mailing address,
byadding up allthe purchase pricemusthavebeenmorethanSEiO. (Note: Neither
ofthese
DailyBalances in theRatePeriod anddividing thetotalby the arenecessary ifyourpurchase wasbased onanadvertisement wemailed
number ofdaysintheRatePeriod (which shows onthefrontas toyou,orifweownthecompany thatsoldyouthegoods
"Days RateUsed).Inmaking these orservices.)2.
computations: (a)wemayIreat Youmusthaveusedyourcredtcardforthepurchase. Purchasesmade
acreditbalance asabalance ofzero; and(b)wemaydelay adding withcashadvances fromanATMorwitha checkthataccesses
feeslo yourbalance; and(c)eachday,wemultiply your
yourDaily credil cardaccount donotqualify. 3.Youmustnotyethavefullypaidfor
Balance bytheapplica+e dailyperiode rateandaddthatamount to thepurchase.
yourbalance todetermine thenextday's beginning balance. Ifallofthecriteria above aremetandyouarestilldissatisfied
InterestCharges: theinterest withthe
Wefigure charges onyouraccount purchase, confact usinwriting al:FirstNational
Bank ofOmaha, P.O.Box
andforeachBalance Category byapplying 1beapplicable daily 3696Omaha, NE68103-0696. While
periode ratelotheapplicable we investigate, thesame rules
average dailybalance andmultiplying applytothedisputed amount asdscussed above. Afterwefinishour
thatproduct by thenumber ofdaysintheRatePeriod. Allofthe investigation, wewill185 youourdecision. Atthatpoint,ifwethinkyou
inlerestcharges foreachBalance Category willbetolated andthat oweanamount andyoudonotpaywemayreport youasdelinquent.
willbethetotalinterest charged. forUnauthorized Use: Ifyounotice thelossortheftofyour
HowtoAvoldPaying 1.lablfity
Interest onPurchases: Ifyoupayyour credit cardorapossbie unauthorized use ofyour youshould write
NewBalance asshown onthefrontofthisbilling statement card,
bythe to us immedately at P.0.Box3696Omaha, NE68103-0696 or the
Payment DueDaleandifwealsoreceived payment infullofyour facsimile number 402-602-6098 orcallusat1-800-688-7070. You willnot
NewBalance asindicated onyourprevious billingstatement byits beliableforanyunaulhorized usethatoccurs alteryounotifyus.You
Paymeni DueDate(orifthatNewBalance waszerooracredit), no may,however, beliableforunaulhorized usethatoccurs
interest
charges willbeassessed beforeyour
onPurchases shown onyournext notice tous.Inanycase, yourliability
willnotexceed 550.
billingstatement. Unlessyou havebeenspecifically notified Information Providedto CreditBureaus: Information aboutyour
otherwise, noperiod isprovided to repay non-Purchase balances account is periodicallyprovided to oneor morecreditbureaus. Late
wilhoutincurring interest charges4n otherwords,thereis no payments, missed orotherdefaults onyouraccount
interest-free for payments, maybe
(grace) p eriod CashAdvances or Balance reflected inyourcredit report.
Ifyouthinkanyinformation youor
Transfers. regardng
youraccount is inaccurate,
write10usonaseparate sheetat P.O.Box
Payment Requirements: Payments mustbe(1)accompanied by 3412,Omaha, NE681010412.
thetopportion ofthisbillingstatement; (2)received nolaterthan
5:00p.m.(Central Time) orithePayment DueDaleatthelocation
wehavespecified forreceipt ofyourpayment, (3)made onlyby
check ormoney orderifyourpayment ismade bymail,(4)made in
U.S.Dollars, and(5)senttotheP.O.Boxspecified onthetopofthe
frontofthisstatement Ifweaccept apayment thatdoesnotcomply
wilhtheserequirements, theremaybea delayin crediting your
account, whichmayresultinadditional interest andfees.If your
payment isretumed unpaid byyourbankforinsufficient funds, we
mayre-present yourcheck electronically.
CreditUmits:Onlythe'CashUmit"portion ofyour C reditLimit is
avalable forcashadvances. "Available Credit" or"Avatable Cash"
refersto thepartof yourCreditLimitor CashLimitthatwas
available asof thisbillingstatements closing dateandmaynot
reflect overlimitorcredit balance amounts. Wemayraiseorlower
yourCredit Limitand/or CashUmitatanytimeandmayrestrict the
amount thatis availaue forBalance Transfers. Afterwecredita
payment 10youraccount, there maybeadelay before itoperates to
restore yourAvailable Credit orAvailable Cash.
BILLING RIGHTS SUMMARY
WhatToDoIfYouThinkYouFindaMistake onYourStatement
Ifyouthinkthereisanerroronyourstatement, writetousat:First
National o f
Bank Omaha, B ox
P.O. 3696Omaha, NE68103-0696.
Inyourletter, giveusthefollowing informatun:
" Accountinformatiott Yourname andaccount number.
" Dollaramount: Thedollar amount ofthesuspected error.
" Description otRoblem: Ifyouthinkthereisanerroronyourbill,
describe whatyoubelieve is wrong andwhyyoubelieve it is a
mistake.
Youmustcontact uswithin 60daysaftertheerrorappeared onyour
slatement. Youmustnotify usofanypotential errors inwriting. You
maycallus,butifyoudowearenotrequired loinvestigate any
potential errors andyoumayhavetopaytheamount inquestion.
Whileweinvestigate whether ornottherehasbeenanenor,the
following aretrue:
" Wecannot trytocollect theamount inquestion, orreport youas
delinquent onthatamount.
" Thecharge inquestion may remain onyour and
statement, we
maycontinue to charge youinterest onthatamount. But,if we
determine thatwemadea mistake, youwillnothavetopaythe
Preview
FILED: SENECA COUNTY CLERK 11/14/2023 10:48 AM INDEX NO. 20230367 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 11/14/2023 B" "EXHIBIT FILED: SENECA COUNTY CLERK 11/14/2023 10:48 AM INDEX NO. 20230367 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 11/14/2023 AccountNumber: NewBalancer................................ $4,163.07 VISA Mwmumeaymentoue .................m..57 PaymentDueDate:.........February6, 2023 Make checks toFirst payable National9onk ofOmaha FirstNationalBankofOmaha P.O.Box2S57 mass o14s77 Omaha,NE88103-2557 JASONMPALMER 9 TALLOAKSDR SENECA FALLSNY13148-1133 Changeof Address?If yes,please completereverseside. %0 PLEASE DETAcH HERE AND TOP RETURN WITH PORTloN YOUR PAY MENT Platinum Edit.ion® Visa® AccountNumber: ACCount Summary Payment Information PreviousBalance ...............$4,512.31 New Balance ..................................................................... $4,163.07 Payments.............................. -$385.00 MinimumPaymentDue ........................................................ $159.57 Other Credits ............................-$0.00 PastDue Amount ...............,,.................................................... $0.00 Purchases................................ +$0.00 Payment Due Date ................................................... February 8, 2023 BalanceTransfers ...................+$0.00 CashAdvances .......................+$0.00 Late Payment Warning: Itwedonotreceiveyourminimum FeesCharged ..........................+$0.00 paymentby thedatelistedabove,youmayhaveto paya lateleeof up to interestCharged ....................+$35.76 $40. New Balance .....................$4,163.07 Minimum Payment Warning: Ifyoumakeonlytheminimum StatementClosing Date .......01/11/23 paymenteachperiod,youwillpaymorein interestanditwilltakeyou Days in Billing Cycle .......................30 longerto payoffyourbalance.ForExample: KyoumakenoaddiMonalYouwillpayofthebdance And youwMendup Total CreditLimit ...............$7,850.00 °h,81*n'Hy u a . a . AvailableCredit ..................$3,686.00 Cash Limit ...........................$1,600.00 Onlytheminimum payment 6 years $5.127 AvailableCash ...................$1,600.00 s1s4 syears $4.824 (savings 630s) Ifyouwould likeInfonnation about creditcounsellng cal1-866-486-6322. services, Customer Service Call: Toll Free 1-888-530-3626 (TDDTelecommunloations fortheDeal: Device (Balance 1-800e25-2833) Transfer Holline:1-877-388-8231) SaveTime and Stamps Visit: www.fnbo.com by PayingOnline! Remitto: FirstNationalBankofOmaha,P.O.Box2557,Omaha,NE68103-2557 Smart Tips Give your credit rating a little boost! Payingover your rninimumamountdue can help reduceyour accountbalancefasterthan you think - and a lower averagebalancecan help add up to a highercreditscore! Transaction Detail Trans Post Reference Transaction Credits (CR) Date Date Number Description and Debits PaymentsandOtherCredits 12-18 12-19 7441800235304s001331sse ONLINEPAYMENT THANKYOU $160.00(CR) 1-06 1-o6 744tooo3006045cot241631 THANKYOU ONLINEPAYMENT $225.00(CR) Fees TotalFeesForThis Period $0.00 InterestCharged InterestChameon Purchases $35.76 InterestChameon CashAdvances 40.00 InterestChargeonBalancesTransfers 30.00 TotalInterestForThis Period $35.76 YourAnnualPercentageRate(APR)is theannualinterestrateonyouraccount. (v) VariableRate (I) FixedRate Charge AnnualPercentage Specialofferor Eligible BalanceSubject DaysRate Rate(APR) PurchaseAPRExpiration Date toInterestRate Used InterestChafge Summary Purchases 9.99%(1) N/A $4,351.47 30 $35.76 CashAdvance 28.99%(v) N/A $0.00 30 $0.00 2023 Total Year-to-Date Totalfeeschargedin2023........................................................ $0.00 Totalinterestchargedin2023 ............................................... $36.76 issued byFirstNationalBank ofOmaha laradditional Seereverse Information. Continuednextpage FILED: SENECA COUNTY CLERK 11/14/2023 10:48 AM INDEX NO. 20230367 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 11/14/2023 Thank you Thank you for your business. Account Number. age002o 02 Additional Information Regarding Your Account NEW YORK RESIDENTSmay contactthe New YorkState Departmentof Financial Servicesto obtaina comparativelisting of creditcard rates,fees and grace periods. NewYork State Departmentof FinancialServices: 1-677-226-6697. Notice of Changes to your Account: Congratulationst We have recently increased the revolving credit and/or cash limit on your account. Your revolving credit limit is now $9,050 and your cash limit is now $1,850. FILED: SENECA COUNTY CLERK 11/14/2023 10:48 AM INDEX NO. 20230367 NYSCEF DOC. NO. 3 RECEIVED NYSCEF: 11/14/2023 To ensure accuracy,pleaseprint clearlyusing upper-caselettersand nurnbersonly. Pleasedo not use Red ink, Gel pens or Pencil. CHANGE OF ADDRESS, PHONE, OR E-MAIL Address Apt/Bldg# City State, ZIP HornePhone Work Phone Cell Phone E-rnailAddress Ifyouhavea CreditCardforbusinesspurposes,andarerequesting anaddresschange,wemayrequestadditional information. Balance Subjectto InterestRate: Each"Balance Subject to amountinquestion oranyinterest orotherfeesrelatedtothatamount. Rale' Interest shown onthefrontofthisstatement foreachBalance " Whileyoudo nothaveto paytheamount in question, youare Category isdetermined usingtheaverage daHy balance (including responsiMe forthe remainder ofyour balance. newpurchases) method.Eachsuchbalance is calculated " Wecanapply unpaidamount against yourcredt foreachperiodthata particular any l imit. separately ratewasin effect YourRights IfYouAreDissatisfied WithYourCredit CardPurchases (refened10below asa"RalePeriod). Togeleachaverage daily Ifyouaredissatisfied withthegoods orservices thatyouhavepurchased balance foreachBalance Category, wetirstcompute a "Daily withyourcredtcard,andyouhaveidedingoodfaithfocorrect Balance'foreachdayoftheRatePeriod the asfollows: (1)westart problem withthemerchant, youmayhavetherightnotto paythe withthebeginning balance of eachday,(2)weaddanynew remaining amount dueonthepurchase. Tousethisright,allof the transactions and fees,and(3) we subtractany applk:able muslbeIrue:1.Thepurchase musthavebeenmade following inyour payments, credils,or creditadjuslments. Eachaverage daily home Stateorwithin100milesofyourcurrent andthe balance thatisshown onthefrontiscomputed mailing address, byadding up allthe purchase pricemusthavebeenmorethanSEiO. (Note: Neither ofthese DailyBalances in theRatePeriod anddividing thetotalby the arenecessary ifyourpurchase wasbased onanadvertisement wemailed number ofdaysintheRatePeriod (which shows onthefrontas toyou,orifweownthecompany thatsoldyouthegoods "Days RateUsed).Inmaking these orservices.)2. computations: (a)wemayIreat Youmusthaveusedyourcredtcardforthepurchase. Purchasesmade acreditbalance asabalance ofzero; and(b)wemaydelay adding withcashadvances fromanATMorwitha checkthataccesses feeslo yourbalance; and(c)eachday,wemultiply your yourDaily credil cardaccount donotqualify. 3.Youmustnotyethavefullypaidfor Balance bytheapplica+e dailyperiode rateandaddthatamount to thepurchase. yourbalance todetermine thenextday's beginning balance. Ifallofthecriteria above aremetandyouarestilldissatisfied InterestCharges: theinterest withthe Wefigure charges onyouraccount purchase, confact usinwriting al:FirstNational Bank ofOmaha, P.O.Box andforeachBalance Category byapplying 1beapplicable daily 3696Omaha, NE68103-0696. While periode ratelotheapplicable we investigate, thesame rules average dailybalance andmultiplying applytothedisputed amount asdscussed above. Afterwefinishour thatproduct by thenumber ofdaysintheRatePeriod. Allofthe investigation, wewill185 youourdecision. Atthatpoint,ifwethinkyou inlerestcharges foreachBalance Category willbetolated andthat oweanamount andyoudonotpaywemayreport youasdelinquent. willbethetotalinterest charged. forUnauthorized Use: Ifyounotice thelossortheftofyour HowtoAvoldPaying 1.lablfity Interest onPurchases: Ifyoupayyour credit cardorapossbie unauthorized use ofyour youshould write NewBalance asshown onthefrontofthisbilling statement card, bythe to us immedately at P.0.Box3696Omaha, NE68103-0696 or the Payment DueDaleandifwealsoreceived payment infullofyour facsimile number 402-602-6098 orcallusat1-800-688-7070. You willnot NewBalance asindicated onyourprevious billingstatement byits beliableforanyunaulhorized usethatoccurs alteryounotifyus.You Paymeni DueDate(orifthatNewBalance waszerooracredit), no may,however, beliableforunaulhorized usethatoccurs interest charges willbeassessed beforeyour onPurchases shown onyournext notice tous.Inanycase, yourliability willnotexceed 550. billingstatement. Unlessyou havebeenspecifically notified Information Providedto CreditBureaus: Information aboutyour otherwise, noperiod isprovided to repay non-Purchase balances account is periodicallyprovided to oneor morecreditbureaus. Late wilhoutincurring interest charges4n otherwords,thereis no payments, missed orotherdefaults onyouraccount interest-free for payments, maybe (grace) p eriod CashAdvances or Balance reflected inyourcredit report. Ifyouthinkanyinformation youor Transfers. regardng youraccount is inaccurate, write10usonaseparate sheetat P.O.Box Payment Requirements: Payments mustbe(1)accompanied by 3412,Omaha, NE681010412. thetopportion ofthisbillingstatement; (2)received nolaterthan 5:00p.m.(Central Time) orithePayment DueDaleatthelocation wehavespecified forreceipt ofyourpayment, (3)made onlyby check ormoney orderifyourpayment ismade bymail,(4)made in U.S.Dollars, and(5)senttotheP.O.Boxspecified onthetopofthe frontofthisstatement Ifweaccept apayment thatdoesnotcomply wilhtheserequirements, theremaybea delayin crediting your account, whichmayresultinadditional interest andfees.If your payment isretumed unpaid byyourbankforinsufficient funds, we mayre-present yourcheck electronically. CreditUmits:Onlythe'CashUmit"portion ofyour C reditLimit is avalable forcashadvances. "Available Credit" or"Avatable Cash" refersto thepartof yourCreditLimitor CashLimitthatwas available asof thisbillingstatements closing dateandmaynot reflect overlimitorcredit balance amounts. Wemayraiseorlower yourCredit Limitand/or CashUmitatanytimeandmayrestrict the amount thatis availaue forBalance Transfers. Afterwecredita payment 10youraccount, there maybeadelay before itoperates to restore yourAvailable Credit orAvailable Cash. BILLING RIGHTS SUMMARY WhatToDoIfYouThinkYouFindaMistake onYourStatement Ifyouthinkthereisanerroronyourstatement, writetousat:First National o f Bank Omaha, B ox P.O. 3696Omaha, NE68103-0696. Inyourletter, giveusthefollowing informatun: " Accountinformatiott Yourname andaccount number. " Dollaramount: Thedollar amount ofthesuspected error. " Description otRoblem: Ifyouthinkthereisanerroronyourbill, describe whatyoubelieve is wrong andwhyyoubelieve it is a mistake. Youmustcontact uswithin 60daysaftertheerrorappeared onyour slatement. Youmustnotify usofanypotential errors inwriting. You maycallus,butifyoudowearenotrequired loinvestigate any potential errors andyoumayhavetopaytheamount inquestion. Whileweinvestigate whether ornottherehasbeenanenor,the following aretrue: " Wecannot trytocollect theamount inquestion, orreport youas delinquent onthatamount. " Thecharge inquestion may remain onyour and statement, we maycontinue to charge youinterest onthatamount. But,if we determine thatwemadea mistake, youwillnothavetopaythe