Preview
INDEX NO. E2021005066
NYSCEF DOC. NO. 10 RECEIVED NYSCEF: 11/29/2021
MONROE COUNTY CLERK’S OFFICE THIS IS NOT A BILL. THIS IS YOUR RECEIPT.
Receipt # 2914646
Book Page CIVIL
Return To: No. Pages: 8
MITCHELL G. SLAMOWITZ
199 Crossways Park Drive Instrument: EXHIBIT(S)
Woodbury, NY 11797
Control #: 202111291434
Index #: E202100506:
Date: 11/29/2021
DISCOVER BANK. Time: 4:36:01 PM
COURTNEY, DANIEL
Total Fees Paid: $0.00
Employee:
State of New York
MONROE COUNTY CLERK’S OFFICE
WARNING — THIS SHEET CONSTITUTES THE CLERKS
ENDORSEMENT, REQUIRED BY SECTION 317-a(5) &
SECTION 319 OF THE REAL PROPERTY LAW OF THE
STATE OF NEW YORK. DO NOT DETACH OR REMOVE.
JAMIE ROMEO.
MONROE COUNTY CLERK
MOM
INDE&& NOE 2621025065066
NYSCEF DOC. NO. 10 RECEIVED NYSCEF: 11/29/2021
DISCOVER IT® CARD ENDINGIN 4627
CARDMEMBER SINCE 2013
DISC@VER
-
—
AGT can ciate le euylie spy ei
Previous Balance $6,867.47 New Balance Minimum Payment Payment Due Date
Payments and Credits -$146.00 56,880.91 $150.00 07/02/2020
Purchases +$30.15
Balance Transfers +$0.00 Late Payment Warning: If we do not receive your minimum payment by the date
Cash Advances +$0.00 listed above, you may have to pay a late fee of up to $40.00.
Fees Charged +$0.00 ‘Minimum Payment Warning: if you make only the minimum payment each period,
_#$129.29 youwill pay more In interest
and it will take longerto pay off your balance. For
Interest Charged . example:
New Balance: $6,880.91
See Interest Charge Calculation section followingthe Fees and
Interest Charged section for detailed APR information
Credit Line $6,900
$19
| only the minimum payment 2B years $28,713
-
Credit Line Available
Cash Advance Credit Line $2,100 $263 3 years
$9,459.
$19 Gavings= $19,254)
Cash Advance Credit Line Available
Ifyou would like information about credit counselingsenvces, call us at 1-800-347-1121.
-
“FICO® Score & based on TransUnion® da Your next DirectPay automatic payment of $150.00 will be on july 2, 2020. See
ne AS OF 05/30/20
Updated Monthly
See Key Factors that help explain your score
“Information For You" section for additional details,
at Discover.com or visit our mobile app
Le —— -
New York Residents: For more information call us at 1-800-
347-2683. You may contact the New York State Departmentof
Financial Services at 1-800-342-3736 or visit www.dfs.ny.gov for
free information on comparative credit card rates, fees and grace
periods.
Notice: See reverse side for important information
Eu ein ACCOUNT NUMBER ENDING IN 4627
Detach at perforation above and return with check payableto New Balance $6,880.91
Discover. Do not fold, clip, staple or send cash. Minimum Payment Due, $150.00
Payment Due Date - 07/02/2020
1
Paulista tits CEA — enn
DANIEL COURTNEY Fora faster, easier ‘) Discover.com \., 1-800-347-2683
242 FAIRPORT RD way to pay.. See reverse for payment cutoff time
E ROCHESTER NY 14445-1937
a
PO BOX 71084
CHARLOTTE NC 28272-1084
New address, email or phone? Please update on reverse.
Ta
INDEXNG
E 28205005066
NYSCEF DOC. NO. 10 RECEIVED NYSCEF: 11/29/2021
Page 2 of 4
DISCOVER IT® CARD ENDING IN4627 OPEN TO CLOSE DATE: 05/06/2020 - 06/05/2020
DANIEL COURTNEY. aan
Important information Minimum Payment Due, (ii) statement Minimum Payment Due plus a fixed dollar
‘See your Cardmember Agreement. Your Cardmember Agreement containsall the amount,or (iv) other dollaramount. If your scheduled "Other dollar amount*
terms of your Account, paymentis not enough to cover the Minimum Payment Due as listed on your monthly
bi ing statement, your scheduled payment for that month will be increased to cover
Lost or Stolen Cards. Report immediately! Call 1-800-347-2683. the Minimum Payment Due, if the scheduled payment is greater than the Minimum
Payment Due, any excess will be applied in accordance with your Cardmember
What To Do if You ThinlcYou Find A MistakeOn Your Statement: if you think there is ‘Agreement. Ifyour scheduled payment is greater than the New Balance on your billing
an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT statement, that payment will be processed only for the amount of your New Balance.
84130-0421, or submit the form provided at https://discover.com/billingerro rnatice. Your automatic payment amount maybe less than the amount indicated on the billing
You must contact us within 60 days after the error appeared on your statement. You statement based on credits or payments after the Close Date.
may call us, but if you do we are not required to investigate any jotential errors, and Ifyou enroll by phone in our automatic payment service, please fill-in the following
you may have to pay the amount in question. The Billing Rights Notice further blanks below and retain thi @ authorizatlonfor
your records .
explains your rights. Please see jour Cardmember Agreement or visit
https://discover.com/billingrigt h itsfor a copy of this Notice, Amount
Payments, You may pay all or part of your Account balance at any time, However, you Ofutt Pay. Onin Pay.
must pay at least the Minimum Payment Due by the Payment Due Date. Send only Omin Pays $. OotherAmount $.
four allowable form of payment ("Payment") and the bottom portion of this statement Bank Routing#.
inthe envelope provided, after affixing postage. Payments sent without proper
postage will be returned to the sender. Ifyou pay by check, you authorize us to use Bank Account#.
informationon yor ur check to makean electronic fund transfer from your accountat Monthly on the ©) Payment Due Date, or O. Day of the month (INSERTDATE)
the financial institution indicated on you jur check or to process the paymentas a check
transaction. Ifa Payments processed as an electronic fund transfer,account the transfer will Credit Reporting. Credit Reporting. We may report information about your Accountto
be forthe amount of the check, funds may be withdrawn from your as soon credit bureaus, Late payments, missed payments, or other defaultson your Account
as the same day we receive your check, and you will not receive your check back. may be reflected in your credit report. ‘We normally report the status and payment
history of your Account to credit reporting agencies each th. Ifyou believe that
Please do not send cash. Sending cash is not allowed, The processing of your our report is inaccurate or incomplete, please write us at this addres: iscover, PO
allowable form of Payment may be delayed if you send cash or correspondence with Box 30939, Salt Lake City, UT 84130-0939. Please include your name, address,
your Payments, ifyou send the Paymentto any other address, or ifyou use an home telephone number and Account number.
envelope other ‘than the one provided, Payments received at our processing facility
by 5PM local time on any day wilt be credited to your Account as of that day. Paying interest. Yor ur due date Is at least 25 days after the close of each billingps
Payments received at our processing facil after 5PM local time will be credited to {at east 23 days fo r billing periods that begin in February). We will begin charging
your Account as of the next day. Ifyou have misplaced your envelope, send your intereston Cash Advances and Balance Transfers as of the later of the Transaction
Paymentto Discover, PO Box 6103, Carol Stream, IL 60197-6103. Please allow 7-10 Date or the first day of the billing period in which the transaction posted to your
days for delivery. If your Paymentis returned unpaid, we reserve the rightto resubmit ‘Account. if you pay the New Balanceon your current billing statement by the Payment
itas an electronic debit, Pa yments made online or by phone before Midnit f chttheEastern same
Due Date shown on that billing statement, we will not impose interest charges on
Time on any day except your Statement Closing Date will be credited as of New Purchases. New Purchases are Purchases that first appear on the next billing
‘on your Statement Closing Date, online and phone payments must be made statement. Interest will continue to accrue each day on purchases that appeared on
bel re 5:00 PM Eastern Time to be credited as of that day. previous billing statements until you pay the New Balance in full and will be billed in
the next billing cycle.
You can also make a Payment or set up automatic payments by calling 1-800-347-
2683. Automatic payments for the billing period shown on your statement will be How We Calculate Interest Charges. We Use the Dally Balance Method (Including
deducted on the Payment Due Date shown on that statement, or the next automatic current transactions) to caiculate the Balance Subject to Interest Rate. For more
payment date referred to on your statement, untess you request a recurring payment information, please call us at 1-800-347-2683.
date that occurs before your Pa ent Due Date, In orderto schedule monthly
ments by telephone, you will need this statement
and your bank account Balance Subject To interest Rate. Your statement shows a Balance Subject to Interest
fnnumber
mation. You will be askedto provide the last four (4) digits of the social security
of the primary borrower as’ /our electronic signature. By providing those
Rate. It shows this for each transaction category. The Balance Subject to interest Rate
is the average of the daily balances during the billing period.
numbers, you will be agreeingto thi is authorizati jon to allow us and your bank to Credit Balances, If your Account has a credit balance, the amountis shown on the
deduct each payment you authorize, in the amount selected by you, from your bank front of your billing statement. A credit balance is money that is owed to you. You may
account. You also authorizeus to initiate debit or credit entriesto your bank account, make charges against this amount ifyour Account is open. We will send youa refund
as applicable, to correct an error in the processingof such payment. You can cancel of any remaining balance of $1.00 or more afteré months, or as otherwise required
or modify a payment from your bank account until 5:00 PM Eastern Time on the day
such payment is scheduled by calling 1-800-347-2683 or by mall at Discover, PO Box by applicable law, or upon request made to the address in the Contact Us section on
page 3 of your billing statement.
30421, Salt Lake City, UT 84130-0421, Same day online or phone payments from
bank account made after 5:00 PM Eastem Time may be modified before Midnight Balance Transfers, Balance Transfers are offered at our discretion and accrue interest
Eastern Time of that day. Payments from Cashback Bonus cannot be modified or at the standard purchase rate unless we tell you otherwise.
cancelled after being made or scheduled.
fyour payments may vatyin amount,we will tell you on each monthly billing Discover may monitor and/or record telephone calls between you and Discover
statement when your payment will be made and how much it will be. You must ensure Tepresentatives for quality assurance purposes.
that sufficient funds are available in your bank account, and all transactions must Send inquiriesto Discover, PO Box 30943, Salt Lake City, UT 84130
comply with U.S. law.
The Discover® card is issued by Discover Bank, Member FDIC.
You can set up automatic payments for: () statement New Balance, (il) statement 0IT23-27.0420
Change of Address
If correct on front, do not use. To make changes to your address, email or telephone number, please print clearly In blue or black ink, in the space provided or visit Discover.com.
Street Address Home Phone
Work Phone
city Email
State, Zip
INDEXNG
E 28205005066
NYSCEF DOC. NO. 10 RECEIVED NYSCEF: 11/29/2021
ONLINE PHONE | PAYMENTS Page 3 of 4
Discover.com or 1-800-347-2683 | Discover DISCOVER IT® CARD ENDINGIN 4627
ef download our app
1
‘TDD 4-800-347-7449 : PO Box 6103 OPEN TO CLOSE DATE: 05/06/2020 - 06/05/2020
Carol Stream
= 1 IL 60197-6103
8 : : (Ce el ie VEE
TRANS. PREVIOUS BALANCE $1.32
DATE PAYMENTS AND CREDITS AMOUNT EARNED THIS PERIOD
06/02 DIRECTPAY MINIMUM PAYMENT -$146.00 1% Cashback Bonus +$0.30
SEE DETAILS OF YOUR NEXT DIRECTPAY BELOW REDEEMED THIS PERIOD -$0.00
TRANS, CASHBACK BONUS BALANCE $1.62
DATE PURCHASES MERCHANT CATEGORY AMOUNT
05/23 AMAZON.COM*M76KL7V40 Merchandise $13.28 5% Cashback Bonus®
AMZN.COM/BILLWA
JUL-SEP Activate at discover.com/5
67THGHYFDHS,
Merchandise $16.87 Restaurants, PayPal
05/27 AMAZON.COM*M78UY8IA1
AMZN.COM/BILLWA Earn up to $75 in 5% cash back each quarter. Plus
58LH2KKO4IC earn 1% cash back on all other purchases.
For details, see Information For You section.
TOTAL FEES FOR THIS PERIOD $0.00
INTEREST CHARGED FOR THIS PERIOD AMOUNT
INTEREST CHARGE ON PURCHASES $129.29
INTEREST CHARGE ON CASH ADVANCES $0.00
INTEREST CHARGE ON BALANCE TRANSFERS: $0.00
TOTAL INTEREST FOR THIS PERIOD $129.29
2020 TOTALS YEAR-TO-DATE CHARGED AMOUNT
TOTAL FEES CHARGED IN 2020 $0.00
TOTAL INTEREST CHARGED IN 2020 $790.85
Your Annual Percentage Rate (APR) is the annual interest rate on your account,
‘CURRENT BILLING PERIOD: 31 DAYS
PROMO BALANCE SUBJECT INTEREST
‘TYPE OF BALANCE APR® APR EXPIRES ‘TO INTEREST RATE CHARGE
Purchases 21.99% N/A $6,922.52 $129.29
Cash Advances 24.99%V N/A $0.00 $0.00
V = VARIABLE RATE
* Ifyour account is currently enrolled in a special program or is placed into one during the term of the offer, you will
receive the henefit of the lower rate while the special program is in effect, This includes, if applicable, any lower
rates as authorized under the Servicemembers Civil Relief Act.
** This is the date your promotional rate expires and the remaining balance will be moved to your standard APR
disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR
Expiration Date.
+*** For more information, please call us at 1-800-347-2683,
itajautedtls gel deli
towards your minimum payment
Your next automatic minimum payment of $150.00 will be on july 2, 2020. Any payments made prior to this date will be applied
and thus the scheduled DirectPay
due. Any credits applied to your Account for the billing cycle reflected on this statement may lower your minimum payment due
amount.
Continued on next page
INDEXNG
E 28205005066
NYSCEF DOC. NO. 10 RECEIVED NYSCEF: 11/29/2021
Page 4 of 4
DISCOVER IT® CARD ENDING IN4627 OPEN TO CLOSE DATE: 05/06/2020 -06/05/2020
DANIEL COURTNEY
Information For You continued
FICO® Credit Score Terms
are based on data from TransUnlon® and may be different
Your FICO® Credit Score, key factors, and other credit information u: se the FICO® Score 8 model. They
from other credit scores and other credit information provided by diff ferent bureaus. This information is intended for and only provided to Primary account holders
and cardmembers are also provided a score on
who have an available score. Your score, key factors and other credit information are available on Discover.com
Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FIC ‘0® Credit Scores, other credit
statements.
scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair tsaac Corporation in the
United States and other countries.
two billing cycles to process your request.
If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us
including the Credit Repair Organizations Act.
Discover Financial Services and Fair Isaac are not credit repair organizations as defined under federal or state law,
do not provide “credit repair® services or assistance regarding “rebuilding” or "improving" your credit record, credit
Discover Financial Services and Fair Isaac
history or credit rating.
Availability of FICO® Credit Score
As an active cardmember, you may see your FICO® Credit Score on your monthly statement or online. an
Reasons why you may not see your FICO® Credit Score
address change that has not been updated with Discover
include: if you opt out; if you have key information that is mismatched or missing, as one example,
or TransUnion®; if your credit history is too new; if your account status is abandoned,bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a
foreign address. Your FICO® Score is disclosed on statements when your statement i is avallable, You may not receive a statement if you have no account activity
such as no purchase transactions, fees, interest, or payments for approximately 30 days.
Cashback Bonus® Rewards
‘Activate to earn 5% Cashback Bonus at Restaurants and PayPal from 7/1/20 (or the date on which you activate 5%, whichever is later) through 9/30/20, on up to
cafes, cafeterias and fast food locations.
$1,500 in purchases. Restaurant put chases include only those made at merchants classified as full-service restaurants,
your Discover Card,
PayPal qualifying purchases are thos ¢ made through the PayPal wallet online, when you send money to Friends and Family via PayPal using
purchase made using
and point-of-sale transactions using PayPal Hel re, Payments made through the Xoom transfer service are not eligible for 5%. Any restaurant
PayPal will only be awarded a total of 5% Cas! hback Bonus. PayPal, the PayPal logo are trademarks of PayPal or its Affiliates. Listed merchants are in no way
sponsoring or affiliated with this program. Certain di igital wallet transactions qualify for 5%, for more information see Discover.com/digi talwallets. Purchases
technology will not be eligi ible if the technology does not
made through third-party payment accounts, mobile or wireless card readers, virtual wallets or similar
provide su fficient transaction details for rewards qualification, 5% Cashback Categories: In accordance with standard industry practices, merchants are assigned
products and/or services they primarily sell or provide. Discover Card
a merchant category code (MCC) typically based on their tine of business, 1 the type of that appearto fit in a rewards category, the merchant may not have an
does not assign MCCs to merchant: '. Even if you make purchases at a merchant of items
Only purchases made from merchants located in the United States are eligible for 5% Cashback Bonus. Rewards are
assigned MCC in that rewards cate; gory.
added to your Cashback Bonus account within two billing periods. See Cashback Bonus Program Terms and Conditions for more information about your rewards.
INDEXNG
E 28205005066
NYSCEF DOC. NO. 10 RECEIVED NYSCEF: 11/29/2021
i DISCOVER 1T® CARD ENDING IN 4627 - DISC@VER
CAROMEMOER SINCE 2022 _ - a -
Previous Balance $8,117.67 New Balance Minimum Payment Payment Due Date
Payments and Credits ~$8,117.67
50.00 $1,606.22 02/26/2021
Purchases +$0.00
Balance Transfers +$0.00 Late Payment Warning: Ife do not receive your minimum payment by the date
Cash Advances 4$0,00 listed above, you may have to pay a late fee of up to $40.00,
Fees Charged +$0.00
Inte it Chal +$0.00
New Balance: $0.00
See Interest Charge Calculation section following the Fees and
Interest Charged section for detailed APR information
Credit Line $6,900
Credit Line Available $0
Cash Advance Credit Line $2,100
Cash Advance Credit Line Available $0
oo
, Your FICO® Score is unavailable. Log in at Discover.com/FICO or
contactus at 1-800-347-2683 to learn more.
u -
New York Residents: For more information call us at 1-800-
347-2683. You may contact the New York State Department of
Financial Services at 1-800-342-3736 or visit www.dfs.ny.gov for
free information on comparative credit card rates, fees and grace
petiods.
Notice: See reverse side for important information
DEV eutitly ACCOUNT NUMBER ENDING IN 4627,
Detach at perforation above and return with check payable to New Balance $0.00
Discover. Do not fold, clip, staple or send cash. Minimum Payment Due $4,606.22
Payment Due Date
02/26/2024
EitlG Ua (usstses —
DANIEL COURTNEY
242 FAIRPORT RD
E ROCHESTER NY 14445-1937
Ee |
Fora faster,
way to pay...
co
easier {[E| Discover.com \, 1-800-347-2683
See reverse for payment cut off times.
tenant
PO BOX 6103
CAROL STREAM IL 60197-6103
New address, email or phone? Please update on reverse,
ein ooaTanEEE
EEOC
INDEXNG
E 28205005066
NYSCEF DOC. NO. 10 RECEIVED NYSCEF: 11/29/2021
DISCOVER IT® CARD ENDING IN4627
Page 2 of 4
DANIEL COURTNEY. . OPEN TO CLOSE DAI 1/06/2021 - 01/31/2021
important Information Minimum Payment Due, (li) statement Minimum Payment Due plus a fixed dollar
See your Cardmember ‘Agreement. Your Cardmember Agreement containsall the amount, or ('v) other dollar amount. If your scheduled “Other doltar amount*
terms of your Account. payment is not enough to cover the Minimum Payment Oue as listed on your monthly
billing statement, your scheduled payment for that month will be Increased to cover
Lost or Stoten Cards, Report immediately! Call 1-800-347-2683. the Minimum Payment Due. Ifthe scheduled payment is greater than the Minimum
Payment Due, any excess will be applied in accordance with your Cardmember
What To Do If You Think You Find A Mistake On Your Statement: if you think there is ‘Agreement. Ifyour scheduted paymentis greater than the New Balanceon your bitling
UT
an ertor on your statement, write to us at Discover, PO Box 30421, Salt Lake City, ice. statement, that paymentwill be processed only for the amountof your New Balance.
84130-0421, or submitthe form provided at https://discover.com/billingerrornot Your automatic payment amount maybe less than the amount indicated on the billing
You must contact us within 60 days after the error appeared on your statement. You statement based on credits or payments after the Close Date,
may call us, but tif you do we are not required to investigate any potential errors, and Ifyou enroll by phone in our automatic payment service, please fill-in the following
you may have to pay the amount: in question. The Billing Rights Notice further blanks below and retain the authorization or your records.
explains your rights. Please see our Cardmember Agreement or visit
htipsi/ /discover.com/billingrig A ts fora copy of this Notice. Amount
Payments. You ma Lor part of your Account batance at any time. However, you Ofull Pay. Omin Pay
must pay ait least the Minimum Payment Due by the Payment Due Date. Send only Omin Pays $. Oother Amount $
your allowable form of payment ("Payment") and the bottom portion of this statement Bank Routing#.
inthe envelope provided, after affixing postage. Payments sent without proper
postage will be returned to the sender. ifyou pay by check, you authorize us to use Bank Account #t
information on your check to make an electronic fund transfer from your accountat Monthly on the Payment
Due Date, or ©) Day of the month (INSERTDATE)
the financial institution indicated on your check orto process the paymentas a check
transaction. Ifa Paymentis processed as an electronic fund transfer,the transferwill Credit Reporting, Credit Reporting, We may report information about your Account to
he for the amount ofthe check, funds may be withdrawn from your account as soon credit bureaus. Late payments, missed payments, or other defaults on your Account
as the same daywe receive your check, and you will not receiveyour check back, may be reflected in your credit report. We normally report the status and payment
of your history of your Account to credit reporting agencies each month. ifyou believe that
Please do not send cash. Sending cash is not allowed. The processing ‘our report is inaccurate or incomplete, please us at this address: Discover, PO
allowable form of Payment may be delayed if you send cash or correspondence with Box 30939, Salt Lake City, UT 84130-0939, Please include your name, address,
your Payment: s, if you send the Payment
to any other address, or if you use an home telephone number and Account number.
envelope other than the one provided, Payments received at our processing faci iy
by 5PM local time on any day will be credited to your Account as of that day. Paying Interest, Your due date is at least 25 days afterthe close of each billing period
Payments received at our processing facility after 5PM local time will be credited to (at least 23 days for billing periods that begin in Februa /). We will begin charging
your Account as of the next day. if you have misplaced your envelope, send your interest on Cash Advances and Balance Transfers as of ti 'e later of the Transaction
Paymentto Discover, PO Box 6103, Carol Stream, IL 60197-6103. Please allow 7-10 Date or the first day of the billing period in which the transaction posted to your
days for delivery. If your Paymentis returned unpaid,we reserve the rightto resubmit Account, Ifyou pay the New Balance on your current billing statement by the Payment
itas an electronic debit. Payments made online or by phone before Midnight Eastern Due Date shown on that billing statement, we will not impose interest charges on
Time on any day except your Statement Closing Date will be credited as ‘the same New Purchases. New Purchases are Purchases that first appear on the next billing
‘on your Statement Closing Date, online and phone payments must be made statement, interest will continueto accrue each day on purchases that appeared on
seta re 5:00 PM Eastern Time to be credited as of that day. previous billing statements until you pay the New Balance in full and wilt be billed in
the next billing cycle.
You can also make a Payment
or set up automatic payments by calling 1-800-347-
2683. Automatic payments for the billing period shown on your statement will be How We Calculate Interest Charges. We Use the Daily Balance Method (including
deducted on the Payment Due Date shown on that statement, or the next automatic current transactions) to calculate the Balance Subject to Interest Rate. For more
payment date referred to on your statement, unless you request a recurring payment information, please call us at 1-800-347-2683.
date that occurs before yourPayment Due Date. In orderto schedule monthly
ayments by telephone, you will nee statement and your bank account Balance SubjectTo Interest Rate. Your statement shows a Balance Subject to Interest
information. You will be asked to provide the last four (4) digits of the social security Rate. It shows this for each transaction category. The Balance Subject to Interest Rate
number of the primaty borrower as your electronic signature. By providing those is the average of the dally balances during the billing period.
numbers, you will be agreeingto this authorizationto allow us and your bank to Credit Batances. if your Account has a credit balance, the amountis shown on the
deduct each payment you authorize, in the amount selected by you, from your bank front of your billing statement. A credit balance is money that is owed to you. You may
account. You also authorize us to initiate debit or credit entries to your bank account, make charges against this amount if your Account is open. We will send you refund
as applicable, to correct an error in the processing of such payment. You can cancel of any remaining balance of $1.00 or more after6 months, or as otherwise required
or modify a payment from your bank account until 5:00 PM Eastern Time on the POdayBox by applicable law, or upon request made to the address in the Contact Us section on
such payment is scheduled by calling 1-800-347-2683 or by mail at Discover, page 3 of your billing statement.
30421, Salt Lake City, UT 84130-0421. Same day online or phone payments from
Preview
INDEX NO. E2021005066 NYSCEF DOC. NO. 10 RECEIVED NYSCEF: 11/29/2021 MONROE COUNTY CLERK’S OFFICE THIS IS NOT A BILL. THIS IS YOUR RECEIPT. Receipt # 2914646 Book Page CIVIL Return To: No. Pages: 8 MITCHELL G. SLAMOWITZ 199 Crossways Park Drive Instrument: EXHIBIT(S) Woodbury, NY 11797 Control #: 202111291434 Index #: E202100506: Date: 11/29/2021 DISCOVER BANK. Time: 4:36:01 PM COURTNEY, DANIEL Total Fees Paid: $0.00 Employee: State of New York MONROE COUNTY CLERK’S OFFICE WARNING — THIS SHEET CONSTITUTES THE CLERKS ENDORSEMENT, REQUIRED BY SECTION 317-a(5) & SECTION 319 OF THE REAL PROPERTY LAW OF THE STATE OF NEW YORK. DO NOT DETACH OR REMOVE. JAMIE ROMEO. MONROE COUNTY CLERK MOM INDE&& NOE 2621025065066 NYSCEF DOC. NO. 10 RECEIVED NYSCEF: 11/29/2021 DISCOVER IT® CARD ENDINGIN 4627 CARDMEMBER SINCE 2013 DISC@VER - — AGT can ciate le euylie spy ei Previous Balance $6,867.47 New Balance Minimum Payment Payment Due Date Payments and Credits -$146.00 56,880.91 $150.00 07/02/2020 Purchases +$30.15 Balance Transfers +$0.00 Late Payment Warning: If we do not receive your minimum payment by the date Cash Advances +$0.00 listed above, you may have to pay a late fee of up to $40.00. Fees Charged +$0.00 ‘Minimum Payment Warning: if you make only the minimum payment each period, _#$129.29 youwill pay more In interest and it will take longerto pay off your balance. For Interest Charged . example: New Balance: $6,880.91 See Interest Charge Calculation section followingthe Fees and Interest Charged section for detailed APR information Credit Line $6,900 $19 | only the minimum payment 2B years $28,713 - Credit Line Available Cash Advance Credit Line $2,100 $263 3 years $9,459. $19 Gavings= $19,254) Cash Advance Credit Line Available Ifyou would like information about credit counselingsenvces, call us at 1-800-347-1121. - “FICO® Score & based on TransUnion® da Your next DirectPay automatic payment of $150.00 will be on july 2, 2020. See ne AS OF 05/30/20 Updated Monthly See Key Factors that help explain your score “Information For You" section for additional details, at Discover.com or visit our mobile app Le —— - New York Residents: For more information call us at 1-800- 347-2683. You may contact the New York State Departmentof Financial Services at 1-800-342-3736 or visit www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods. Notice: See reverse side for important information Eu ein ACCOUNT NUMBER ENDING IN 4627 Detach at perforation above and return with check payableto New Balance $6,880.91 Discover. Do not fold, clip, staple or send cash. Minimum Payment Due, $150.00 Payment Due Date - 07/02/2020 1 Paulista tits CEA — enn DANIEL COURTNEY Fora faster, easier ‘) Discover.com \., 1-800-347-2683 242 FAIRPORT RD way to pay.. See reverse for payment cutoff time E ROCHESTER NY 14445-1937 a PO BOX 71084 CHARLOTTE NC 28272-1084 New address, email or phone? Please update on reverse. Ta INDEXNG E 28205005066 NYSCEF DOC. NO. 10 RECEIVED NYSCEF: 11/29/2021 Page 2 of 4 DISCOVER IT® CARD ENDING IN4627 OPEN TO CLOSE DATE: 05/06/2020 - 06/05/2020 DANIEL COURTNEY. aan Important information Minimum Payment Due, (ii) statement Minimum Payment Due plus a fixed dollar ‘See your Cardmember Agreement. Your Cardmember Agreement containsall the amount,or (iv) other dollaramount. If your scheduled "Other dollar amount* terms of your Account, paymentis not enough to cover the Minimum Payment Due as listed on your monthly bi ing statement, your scheduled payment for that month will be increased to cover Lost or Stolen Cards. Report immediately! Call 1-800-347-2683. the Minimum Payment Due, if the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember What To Do if You ThinlcYou Find A MistakeOn Your Statement: if you think there is ‘Agreement. Ifyour scheduled payment is greater than the New Balance on your billing an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT statement, that payment will be processed only for the amount of your New Balance. 84130-0421, or submit the form provided at https://discover.com/billingerro rnatice. Your automatic payment amount maybe less than the amount indicated on the billing You must contact us within 60 days after the error appeared on your statement. You statement based on credits or payments after the Close Date. may call us, but if you do we are not required to investigate any jotential errors, and Ifyou enroll by phone in our automatic payment service, please fill-in the following you may have to pay the amount in question. The Billing Rights Notice further blanks below and retain thi @ authorizatlonfor your records . explains your rights. Please see jour Cardmember Agreement or visit https://discover.com/billingrigt h itsfor a copy of this Notice, Amount Payments, You may pay all or part of your Account balance at any time, However, you Ofutt Pay. Onin Pay. must pay at least the Minimum Payment Due by the Payment Due Date. Send only Omin Pays $. OotherAmount $. four allowable form of payment ("Payment") and the bottom portion of this statement Bank Routing#. inthe envelope provided, after affixing postage. Payments sent without proper postage will be returned to the sender. Ifyou pay by check, you authorize us to use Bank Account#. informationon yor ur check to makean electronic fund transfer from your accountat Monthly on the ©) Payment Due Date, or O. Day of the month (INSERTDATE) the financial institution indicated on you jur check or to process the paymentas a check transaction. Ifa Payments processed as an electronic fund transfer,account the transfer will Credit Reporting. Credit Reporting. We may report information about your Accountto be forthe amount of the check, funds may be withdrawn from your as soon credit bureaus, Late payments, missed payments, or other defaultson your Account as the same day we receive your check, and you will not receive your check back. may be reflected in your credit report. ‘We normally report the status and payment history of your Account to credit reporting agencies each th. Ifyou believe that Please do not send cash. Sending cash is not allowed, The processing of your our report is inaccurate or incomplete, please write us at this addres: iscover, PO allowable form of Payment may be delayed if you send cash or correspondence with Box 30939, Salt Lake City, UT 84130-0939. Please include your name, address, your Payments, ifyou send the Paymentto any other address, or ifyou use an home telephone number and Account number. envelope other ‘than the one provided, Payments received at our processing facility by 5PM local time on any day wilt be credited to your Account as of that day. Paying interest. Yor ur due date Is at least 25 days after the close of each billingps Payments received at our processing facil after 5PM local time will be credited to {at east 23 days fo r billing periods that begin in February). We will begin charging your Account as of the next day. Ifyou have misplaced your envelope, send your intereston Cash Advances and Balance Transfers as of the later of the Transaction Paymentto Discover, PO Box 6103, Carol Stream, IL 60197-6103. Please allow 7-10 Date or the first day of the billing period in which the transaction posted to your days for delivery. If your Paymentis returned unpaid, we reserve the rightto resubmit ‘Account. if you pay the New Balanceon your current billing statement by the Payment itas an electronic debit, Pa yments made online or by phone before Midnit f chttheEastern same Due Date shown on that billing statement, we will not impose interest charges on Time on any day except your Statement Closing Date will be credited as of New Purchases. New Purchases are Purchases that first appear on the next billing ‘on your Statement Closing Date, online and phone payments must be made statement. Interest will continue to accrue each day on purchases that appeared on bel re 5:00 PM Eastern Time to be credited as of that day. previous billing statements until you pay the New Balance in full and will be billed in the next billing cycle. You can also make a Payment or set up automatic payments by calling 1-800-347- 2683. Automatic payments for the billing period shown on your statement will be How We Calculate Interest Charges. We Use the Dally Balance Method (Including deducted on the Payment Due Date shown on that statement, or the next automatic current transactions) to caiculate the Balance Subject to Interest Rate. For more payment date referred to on your statement, untess you request a recurring payment information, please call us at 1-800-347-2683. date that occurs before your Pa ent Due Date, In orderto schedule monthly ments by telephone, you will need this statement and your bank account Balance Subject To interest Rate. Your statement shows a Balance Subject to Interest fnnumber mation. You will be askedto provide the last four (4) digits of the social security of the primary borrower as’ /our electronic signature. By providing those Rate. It shows this for each transaction category. The Balance Subject to interest Rate is the average of the daily balances during the billing period. numbers, you will be agreeingto thi is authorizati jon to allow us and your bank to Credit Balances, If your Account has a credit balance, the amountis shown on the deduct each payment you authorize, in the amount selected by you, from your bank front of your billing statement. A credit balance is money that is owed to you. You may account. You also authorizeus to initiate debit or credit entriesto your bank account, make charges against this amount ifyour Account is open. We will send youa refund as applicable, to correct an error in the processingof such payment. You can cancel of any remaining balance of $1.00 or more afteré months, or as otherwise required or modify a payment from your bank account until 5:00 PM Eastern Time on the day such payment is scheduled by calling 1-800-347-2683 or by mall at Discover, PO Box by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. 30421, Salt Lake City, UT 84130-0421, Same day online or phone payments from bank account made after 5:00 PM Eastem Time may be modified before Midnight Balance Transfers, Balance Transfers are offered at our discretion and accrue interest Eastern Time of that day. Payments from Cashback Bonus cannot be modified or at the standard purchase rate unless we tell you otherwise. cancelled after being made or scheduled. fyour payments may vatyin amount,we will tell you on each monthly billing Discover may monitor and/or record telephone calls between you and Discover statement when your payment will be made and how much it will be. You must ensure Tepresentatives for quality assurance purposes. that sufficient funds are available in your bank account, and all transactions must Send inquiriesto Discover, PO Box 30943, Salt Lake City, UT 84130 comply with U.S. law. The Discover® card is issued by Discover Bank, Member FDIC. You can set up automatic payments for: () statement New Balance, (il) statement 0IT23-27.0420 Change of Address If correct on front, do not use. To make changes to your address, email or telephone number, please print clearly In blue or black ink, in the space provided or visit Discover.com. Street Address Home Phone Work Phone city Email State, Zip INDEXNG E 28205005066 NYSCEF DOC. NO. 10 RECEIVED NYSCEF: 11/29/2021 ONLINE PHONE | PAYMENTS Page 3 of 4 Discover.com or 1-800-347-2683 | Discover DISCOVER IT® CARD ENDINGIN 4627 ef download our app 1 ‘TDD 4-800-347-7449 : PO Box 6103 OPEN TO CLOSE DATE: 05/06/2020 - 06/05/2020 Carol Stream = 1 IL 60197-6103 8 : : (Ce el ie VEE TRANS. PREVIOUS BALANCE $1.32 DATE PAYMENTS AND CREDITS AMOUNT EARNED THIS PERIOD 06/02 DIRECTPAY MINIMUM PAYMENT -$146.00 1% Cashback Bonus +$0.30 SEE DETAILS OF YOUR NEXT DIRECTPAY BELOW REDEEMED THIS PERIOD -$0.00 TRANS, CASHBACK BONUS BALANCE $1.62 DATE PURCHASES MERCHANT CATEGORY AMOUNT 05/23 AMAZON.COM*M76KL7V40 Merchandise $13.28 5% Cashback Bonus® AMZN.COM/BILLWA JUL-SEP Activate at discover.com/5 67THGHYFDHS, Merchandise $16.87 Restaurants, PayPal 05/27 AMAZON.COM*M78UY8IA1 AMZN.COM/BILLWA Earn up to $75 in 5% cash back each quarter. Plus 58LH2KKO4IC earn 1% cash back on all other purchases. For details, see Information For You section. TOTAL FEES FOR THIS PERIOD $0.00 INTEREST CHARGED FOR THIS PERIOD AMOUNT INTEREST CHARGE ON PURCHASES $129.29 INTEREST CHARGE ON CASH ADVANCES $0.00 INTEREST CHARGE ON BALANCE TRANSFERS: $0.00 TOTAL INTEREST FOR THIS PERIOD $129.29 2020 TOTALS YEAR-TO-DATE CHARGED AMOUNT TOTAL FEES CHARGED IN 2020 $0.00 TOTAL INTEREST CHARGED IN 2020 $790.85 Your Annual Percentage Rate (APR) is the annual interest rate on your account, ‘CURRENT BILLING PERIOD: 31 DAYS PROMO BALANCE SUBJECT INTEREST ‘TYPE OF BALANCE APR® APR EXPIRES ‘TO INTEREST RATE CHARGE Purchases 21.99% N/A $6,922.52 $129.29 Cash Advances 24.99%V N/A $0.00 $0.00 V = VARIABLE RATE * Ifyour account is currently enrolled in a special program or is placed into one during the term of the offer, you will receive the henefit of the lower rate while the special program is in effect, This includes, if applicable, any lower rates as authorized under the Servicemembers Civil Relief Act. ** This is the date your promotional rate expires and the remaining balance will be moved to your standard APR disclosed when you accepted the offer. Please note: Changing your payment due date may change your Promo APR Expiration Date. +*** For more information, please call us at 1-800-347-2683, itajautedtls gel deli towards your minimum payment Your next automatic minimum payment of $150.00 will be on july 2, 2020. Any payments made prior to this date will be applied and thus the scheduled DirectPay due. Any credits applied to your Account for the billing cycle reflected on this statement may lower your minimum payment due amount. Continued on next page INDEXNG E 28205005066 NYSCEF DOC. NO. 10 RECEIVED NYSCEF: 11/29/2021 Page 4 of 4 DISCOVER IT® CARD ENDING IN4627 OPEN TO CLOSE DATE: 05/06/2020 -06/05/2020 DANIEL COURTNEY Information For You continued FICO® Credit Score Terms are based on data from TransUnlon® and may be different Your FICO® Credit Score, key factors, and other credit information u: se the FICO® Score 8 model. They from other credit scores and other credit information provided by diff ferent bureaus. This information is intended for and only provided to Primary account holders and cardmembers are also provided a score on who have an available score. Your score, key factors and other credit information are available on Discover.com Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FIC ‘0® Credit Scores, other credit statements. scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair tsaac Corporation in the United States and other countries. two billing cycles to process your request. If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us including the Credit Repair Organizations Act. Discover Financial Services and Fair Isaac are not credit repair organizations as defined under federal or state law, do not provide “credit repair® services or assistance regarding “rebuilding” or "improving" your credit record, credit Discover Financial Services and Fair Isaac history or credit rating. Availability of FICO® Credit Score As an active cardmember, you may see your FICO® Credit Score on your monthly statement or online. an Reasons why you may not see your FICO® Credit Score address change that has not been updated with Discover include: if you opt out; if you have key information that is mismatched or missing, as one example, or TransUnion®; if your credit history is too new; if your account status is abandoned,bankrupt, fraud, lost or stolen, closed, revoked, or charged off; if you have a foreign address. Your FICO® Score is disclosed on statements when your statement i is avallable, You may not receive a statement if you have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 days. Cashback Bonus® Rewards ‘Activate to earn 5% Cashback Bonus at Restaurants and PayPal from 7/1/20 (or the date on which you activate 5%, whichever is later) through 9/30/20, on up to cafes, cafeterias and fast food locations. $1,500 in purchases. Restaurant put chases include only those made at merchants classified as full-service restaurants, your Discover Card, PayPal qualifying purchases are thos ¢ made through the PayPal wallet online, when you send money to Friends and Family via PayPal using purchase made using and point-of-sale transactions using PayPal Hel re, Payments made through the Xoom transfer service are not eligible for 5%. Any restaurant PayPal will only be awarded a total of 5% Cas! hback Bonus. PayPal, the PayPal logo are trademarks of PayPal or its Affiliates. Listed merchants are in no way sponsoring or affiliated with this program. Certain di igital wallet transactions qualify for 5%, for more information see Discover.com/digi talwallets. Purchases technology will not be eligi ible if the technology does not made through third-party payment accounts, mobile or wireless card readers, virtual wallets or similar provide su fficient transaction details for rewards qualification, 5% Cashback Categories: In accordance with standard industry practices, merchants are assigned products and/or services they primarily sell or provide. Discover Card a merchant category code (MCC) typically based on their tine of business, 1 the type of that appearto fit in a rewards category, the merchant may not have an does not assign MCCs to merchant: '. Even if you make purchases at a merchant of items Only purchases made from merchants located in the United States are eligible for 5% Cashback Bonus. Rewards are assigned MCC in that rewards cate; gory. added to your Cashback Bonus account within two billing periods. See Cashback Bonus Program Terms and Conditions for more information about your rewards. INDEXNG E 28205005066 NYSCEF DOC. NO. 10 RECEIVED NYSCEF: 11/29/2021 i DISCOVER 1T® CARD ENDING IN 4627 - DISC@VER CAROMEMOER SINCE 2022 _ - a - Previous Balance $8,117.67 New Balance Minimum Payment Payment Due Date Payments and Credits ~$8,117.67 50.00 $1,606.22 02/26/2021 Purchases +$0.00 Balance Transfers +$0.00 Late Payment Warning: Ife do not receive your minimum payment by the date Cash Advances 4$0,00 listed above, you may have to pay a late fee of up to $40.00, Fees Charged +$0.00 Inte it Chal +$0.00 New Balance: $0.00 See Interest Charge Calculation section following the Fees and Interest Charged section for detailed APR information Credit Line $6,900 Credit Line Available $0 Cash Advance Credit Line $2,100 Cash Advance Credit Line Available $0 oo , Your FICO® Score is unavailable. Log in at Discover.com/FICO or contactus at 1-800-347-2683 to learn more. u - New York Residents: For more information call us at 1-800- 347-2683. You may contact the New York State Department of Financial Services at 1-800-342-3736 or visit www.dfs.ny.gov for free information on comparative credit card rates, fees and grace petiods. Notice: See reverse side for important information DEV eutitly ACCOUNT NUMBER ENDING IN 4627, Detach at perforation above and return with check payable to New Balance $0.00 Discover. Do not fold, clip, staple or send cash. Minimum Payment Due $4,606.22 Payment Due Date 02/26/2024 EitlG Ua (usstses — DANIEL COURTNEY 242 FAIRPORT RD E ROCHESTER NY 14445-1937 Ee | Fora faster, way to pay... co easier {[E| Discover.com \, 1-800-347-2683 See reverse for payment cut off times. tenant PO BOX 6103 CAROL STREAM IL 60197-6103 New address, email or phone? Please update on reverse, ein ooaTanEEE EEOC INDEXNG E 28205005066 NYSCEF DOC. NO. 10 RECEIVED NYSCEF: 11/29/2021 DISCOVER IT® CARD ENDING IN4627 Page 2 of 4 DANIEL COURTNEY. . OPEN TO CLOSE DAI 1/06/2021 - 01/31/2021 important Information Minimum Payment Due, (li) statement Minimum Payment Due plus a fixed dollar See your Cardmember ‘Agreement. Your Cardmember Agreement containsall the amount, or ('v) other dollar amount. If your scheduled “Other doltar amount* terms of your Account. payment is not enough to cover the Minimum Payment Oue as listed on your monthly billing statement, your scheduled payment for that month will be Increased to cover Lost or Stoten Cards, Report immediately! Call 1-800-347-2683. the Minimum Payment Due. Ifthe scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember What To Do If You Think You Find A Mistake On Your Statement: if you think there is ‘Agreement. Ifyour scheduted paymentis greater than the New Balanceon your bitling UT an ertor on your statement, write to us at Discover, PO Box 30421, Salt Lake City, ice. statement, that paymentwill be processed only for the amountof your New Balance. 84130-0421, or submitthe form provided at https://discover.com/billingerrornot Your automatic payment amount maybe less than the amount indicated on the billing You must contact us within 60 days after the error appeared on your statement. You statement based on credits or payments after the Close Date, may call us, but tif you do we are not required to investigate any potential errors, and Ifyou enroll by phone in our automatic payment service, please fill-in the following you may have to pay the amount: in question. The Billing Rights Notice further blanks below and retain the authorization or your records. explains your rights. Please see our Cardmember Agreement or visit htipsi/ /discover.com/billingrig A ts fora copy of this Notice. Amount Payments. You ma Lor part of your Account batance at any time. However, you Ofull Pay. Omin Pay must pay ait least the Minimum Payment Due by the Payment Due Date. Send only Omin Pays $. Oother Amount $ your allowable form of payment ("Payment") and the bottom portion of this statement Bank Routing#. inthe envelope provided, after affixing postage. Payments sent without proper postage will be returned to the sender. ifyou pay by check, you authorize us to use Bank Account #t information on your check to make an electronic fund transfer from your accountat Monthly on the Payment Due Date, or ©) Day of the month (INSERTDATE) the financial institution indicated on your check orto process the paymentas a check transaction. Ifa Paymentis processed as an electronic fund transfer,the transferwill Credit Reporting, Credit Reporting, We may report information about your Account to he for the amount ofthe check, funds may be withdrawn from your account as soon credit bureaus. Late payments, missed payments, or other defaults on your Account as the same daywe receive your check, and you will not receiveyour check back, may be reflected in your credit report. We normally report the status and payment of your history of your Account to credit reporting agencies each month. ifyou believe that Please do not send cash. Sending cash is not allowed. The processing ‘our report is inaccurate or incomplete, please us at this address: Discover, PO allowable form of Payment may be delayed if you send cash or correspondence with Box 30939, Salt Lake City, UT 84130-0939, Please include your name, address, your Payment: s, if you send the Payment to any other address, or if you use an home telephone number and Account number. envelope other than the one provided, Payments received at our processing faci iy by 5PM local time on any day will be credited to your Account as of that day. Paying Interest, Your due date is at least 25 days afterthe close of each billing period Payments received at our processing facility after 5PM local time will be credited to (at least 23 days for billing periods that begin in Februa /). We will begin charging your Account as of the next day. if you have misplaced your envelope, send your interest on Cash Advances and Balance Transfers as of ti 'e later of the Transaction Paymentto Discover, PO Box 6103, Carol Stream, IL 60197-6103. Please allow 7-10 Date or the first day of the billing period in which the transaction posted to your days for delivery. If your Paymentis returned unpaid,we reserve the rightto resubmit Account, Ifyou pay the New Balance on your current billing statement by the Payment itas an electronic debit. Payments made online or by phone before Midnight Eastern Due Date shown on that billing statement, we will not impose interest charges on Time on any day except your Statement Closing Date will be credited as ‘the same New Purchases. New Purchases are Purchases that first appear on the next billing ‘on your Statement Closing Date, online and phone payments must be made statement, interest will continueto accrue each day on purchases that appeared on seta re 5:00 PM Eastern Time to be credited as of that day. previous billing statements until you pay the New Balance in full and wilt be billed in the next billing cycle. You can also make a Payment or set up automatic payments by calling 1-800-347- 2683. Automatic payments for the billing period shown on your statement will be How We Calculate Interest Charges. We Use the Daily Balance Method (including deducted on the Payment Due Date shown on that statement, or the next automatic current transactions) to calculate the Balance Subject to Interest Rate. For more payment date referred to on your statement, unless you request a recurring payment information, please call us at 1-800-347-2683. date that occurs before yourPayment Due Date. In orderto schedule monthly ayments by telephone, you will nee statement and your bank account Balance SubjectTo Interest Rate. Your statement shows a Balance Subject to Interest information. You will be asked to provide the last four (4) digits of the social security Rate. It shows this for each transaction category. The Balance Subject to Interest Rate number of the primaty borrower as your electronic signature. By providing those is the average of the dally balances during the billing period. numbers, you will be agreeingto this authorizationto allow us and your bank to Credit Batances. if your Account has a credit balance, the amountis shown on the deduct each payment you authorize, in the amount selected by you, from your bank front of your billing statement. A credit balance is money that is owed to you. You may account. You also authorize us to initiate debit or credit entries to your bank account, make charges against this amount if your Account is open. We will send you refund as applicable, to correct an error in the processing of such payment. You can cancel of any remaining balance of $1.00 or more after6 months, or as otherwise required or modify a payment from your bank account until 5:00 PM Eastern Time on the POdayBox by applicable law, or upon request made to the address in the Contact Us section on such payment is scheduled by calling 1-800-347-2683 or by mail at Discover, page 3 of your billing statement. 30421, Salt Lake City, UT 84130-0421. Same day online or phone payments from