Preview
FILED: OSWEGO COUNTY CLERK 12/28/2023 04:36 PM INDEX NO. EFC-2023-1465
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/28/2023
SUPREME COURT OF THE STATE OF NEW YORK
COUNTY OF OSWEGO
INDEX NUM.BER:
DISCOVER BANK EFC-2023-1465
PLAINTIFF, FILE NO. D173360
-AGAINST-
AMBER VERITY AFFIDAVIT OF
DEFENDANT(S). FACTS
STATE OF OHIO )
SS:
COUNTY OF FRANKLIN )
Coe , being duly sworn, deposes and says that:
1. 1, (Lefa (c am a Litigation Support Coordinator for
DISCOVER BANK ("Plaintiff'), and I have access to Plaintiffs books and records
("Business Records"), including electronic records, relating to the account
("Account") of AMBER VERITY ("Defendant"). The last four digits of the
Account number are 3389. In my position, I have personal knowledge of the
procedures for creating and maintaining Plaintiffs Business Records. Plaintiffs
Business Records were made in the regular course of business, and it was the
regular course of such business to make the Business Records. The records were
made at or near the time of the events recorded. Based on my review of Plaintiffs
Business Records, I have personal knowledge of the facts set forth in this affidavit.
2. Plaintiff and Defendant entered into a credit agreement ("Agreement"). Defendant
agreed to pay Plaintiff for all goods, services and cash advances provided pursuant
to the Agreement. The amount of the last payment made by Defendant was
$182.00, made on October 14, 2022. Defendant is now in default and demand for
payment has been made. A true and correct copy of the Agreement or document(s)
evidencing the Agreement is attached as an exhibit to this affidavit.
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FILED: OSWEGO COUNTY CLERK 12/28/2023 04:36 PM INDEX NO. EFC-2023-1465
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/28/2023
3. At this time, Defendant owes $6,516.88 on the Account. This amount includes a
charge-off balance of $6,516.88, post-charge-off interest of $0.00, post-charge-off
fees of $0.00, less any post-charge-off credits or payments made by or on behalf of
the Defendant of $0.00.
4. As set forth in New York CPLR Article 50, the interest rate applicable to the
Account pursuant to section five thousand four of this chapter applies.
Wherefore, deponent demands judgment against Defendant for $6,516.88, together
with the costs and disbursements of this action.
The above statements are true and correct to the best of my personal knowledge.
Date: l\ 30 Zap
Affi nt Signature
Affiant Name
The foregoing instrument was subscribed and sworn to before me this, O day of
Notary Public
OtANALANG
8
PUBuc- 0H10
s NoTARY
gycov9tSS5 S
*E
01-92B
2 of 10
FILED: OSWEGO COUNTY CLERK 12/28/2023 04:36 PM INDEX NO. EFC-2023-1465
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/28/2023
IT® CARDENDINGIN3389
DISCOVER
CARDMEMBERSINCE2019
Account 1oto412o11-11/o3 2022 Payment Information
Summary
Previous Balance $5,382.63 New Balance Minimum Payment Payment Due Date
Payments and Credits -$182.00
S5,317.99 S138.00 12/01/2022
Purchases +$0.00
Balance Transfers +$0.00 Late PaymentWarning: If we do not receiveyour minimum payment by the date
Cash Advances +$0.00 listed above, you may haveto pay a late fee of up to $41.00.
Fees Charged +$0.00 MinimumPaymentWarning: If you makeonly the minimum payment each period,
Interest Charged +$117.36 you will pay more in interest and it will take longerto pay off your balance.For
example:
New Balance: $5,317.99
ifyou make no additional Youwingay off the And yett wMend up
See Interest ChargeCalculationsectionfollowingthe Feesand
chargesusing this card and balanceshownon this paying an estimated
Interest Chargedsection for detailed APRinformation eachmonth youpay- statementinabout- totatof-
Credit Line $5,000
Credit Line Available $0 Only the minimum payment 22 years $20,803
Cash Advance Credit Line $1,000 $7,713
$214 3 years (savings- $13,090)
Cash Advance Credit Line Available $0
Ifyouwould tikeinformationaboutcreditcounselingservices,call us at 1-800-347-1121.
....................................................................................
. ..... ....................
. .................
. ...
FlCO®Score 8 based on TransUnion® data:
AS OF 10/28/22
Updated
Monthly
See KeyFactorsthat help explain your score
at Discover.comor visit our mobile app
NewYork Residents: Formore information call us at 1-800-
347-2683. You may contact the NewYork State Departmentof
Financial Servicesat 1-800-342-3736 or visit www.dfs.ny.gov for
free information on comparativecredit card rates, fees and grace
periods.
Notice:Seereversesidefor importantinformation
Payment Coupon ACCOUNTNUMBERENDINGIN 3389
Detachat perforationaboveandreturnwith checkpayableto
New Balance S5,317.99
Discover.Donot fold, clip, stapleor sendcash.
Minimum Payment Due 138.00
Payment Due Date 12/01/2022
AibouHEnclûúed S
AMBER VERITY Fora faster, easier F Discover.com 1-800-347-2683
426 MAIN ST way to pay... Seereversefor paymentcut offtimes.
PHOENIX NY 13135-2354 ----
PO BOX 70176
PHILADELPHIAPA 19176-0176
New address, email or phone?Pleaseupdate on reverse.
000001986623571647895053179900064450013800
3 of 10
FILED: OSWEGO COUNTY CLERK 12/28/2023 04:36 PM INDEX NO. EFC-2023-1465
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/28/2023
IT® CARDENDINGIN3389
DISCOVER Page2 of4
AMBERVERITY DATE:10/04/2022 -11/03/2022
OPENTOCLOSE
Importantinformation MinimumPaymentDue,(iii) statementMinimumPaymentDueplusa fixed dollar
SeeyourCardmemberAgreement.YourCardmemberAgreement
containsall the amount"
amount,or (iv) otherdollaramount. Ifyourscheduled"Otherdollar
termsofyourAccount, paymentis not enoughto coverthe MinimumPaymentDueaslisted onyour monthly
billingstatement,yourscheduledpaymentfor that monthwill beincreasedto cover
LostorStolen Cards.Reportimmediately!Call1-800-347-2683. th: MinimumPaymentDue.if the scheduledpaymentis greaterthanthe Minimum
PaymentDue,any excesswillbe appliedin accordancewith yourCardmember
WhatToDolfYou ThinkYouFindAMistakeOnYourStatement:If youthink thereis Agreement,Ifyour scheduledpaymentis greaterthanthe NewBalanceon your billing
anerroronyour statement,writeto usat Discover,POBox30421, SaltLakeCity,lJT staternent,that paymentwill be processedonlyfor the amountof your NewBalance.
84130-0421,or submitthe formprovidedat https://discover.com/billingerrornotice. Yourautomaticpaymentamountmaybelessthantheamountindicatedon the billing
Youmustcontactuswithin 60 daysafterthe errorappearedonyourstatement.You statementbasedon creditsor paymentsafterthe CloseDate.
maycall us, but if youdo we arenot requiredto investigateany potentialerrors,and
you mayhaveto paythe amountin question.TheBilling RightsNoticefurther Ifyouenroll by phonein ourautomaticpaymentservice,pleasefill-in the following
explainsyourrights.PleaseseeyourCardmember Agreementorvisit blanksbelowandretainthe authorizationfor yourrecords.
https://discover.com/billingrightsfora copyof this Notice.
Amount
Payments.Youmaypay all or part ofyourAccountbalanceat anytime. However,you O FullPay OMin Pay
must payat leastthe MinimumPaymentDueby the PaymentDueDate.Sendonly OMin Pay+$ 00ther Amount$
yourallowableformof payment('Payment') andthe bottomportionof this statement
in the envelopeprovided,after affixingpostage.Paymentssentwithout proper BankRouting#___
postagewill be returnedto the sender.Ifyou paybycheck,youauthorizeus to use BankAccount#
informationonyourcheckto makeanelectronicfundtransferfromyouraccountat Month!vontheOeaymentDueDate.orO Dayofthe month (INSERTDATE)
the financialinstitution indicatedonyourcheckorto processthe paymentasa check
transaction.if a Paymentis processedasanelectronicfund transfer,the transferwill CreditReporting.CreditReporting.WemayreportinformationaboutyourAccountto
beforthe amountofthe check,fundsmaybewithdrawnfromyouraccountas soon creditbureaus.Latepayments,missedpayments,orotherdefaultsonyour Account
asthe sameday wereceiveyour check,andyouwill not receiveyourcheckback.
maybereflectedin yourcredit report.Wenormallyreportthe statusand payment
Pleasedonotsendcash.Sendingcashis notallowed.Theprocessingof your historyof yourAccountto credit reportingagencieseachmonth.Ifyou believethat
allowableformof Paymentmay bedelayedif yousendcashor correspondencewith ourreportis inaccurateor incomplete,pleasewnteusatthis address:Discover,PO
your Payments,if you sendthe Paymentto anyotheraddress,or if youusean Box30939, SaltLakeCity,UT84130-0939.Pleasemcludeyourname,address,
envelopeotherthanthe one provided.Paymentsreceivedat our processingfacility hometelephonenumberandAccountnumber.
by 5PMlocaltime on anyday will becreditedto yourAccountas of that day. Payinglnterest.Yourduedateis at least25 daysafterthe closeof each billing period
Paymentsreceivedat our processingfacilityafter5PMlocaltime will becreditedto (atleast23 daysfor billing periodsthat beginin February),Wewill begincharging
yourAccountas of the nextday.If youhavemisplacedyourenvelope,sendyour interestonCashAdvancesand BalanceTransfersasofthe laterof the Transaction
PaymenttoDiscover,POBox6103,CarolStream,ll 60197-6103.Pleaseallow7-10 Dateorthe first day of the billing periodinwhichthe transactionpostedto your
daysfor delivery.If yourPaymentis returnedunpaid,wereservethe rightto resubmit Account.if you paythe NewBalanceonyourcurrentbilling statementby the Payment
it asanelectronicdebit,Paymentsmadeonlmeor by phonebeforeMidnight Eastern DueDateshownon that
Timeon anyday exceptyour StatementClosingDatewill becreditedas of thesame billing statement,wewill notimposeinterestchargeson
NewPurchases.NewPurchasesarePurchasesthat firstappearonthe next billing
day; onyour StatementClosmgDate,onlmeandphonepaymentsmustbemade statement.Interestwill continueto accrueeachday on purchasesthat appearedon
before5:00 PMEasternTimeto becreditedasofthat day- previousbluingstatementsuntilyou paythe NewBalancein full andwill be billed in
Youcanalso makea Paymentorset up automaticpaymentsby calling1-800-347- the next billing cycle.
2683. Automaticpaymentsfor the billingperiodshownonyourstatementwill be. HowWeCalculateinterestCharges.WeUsethe DailyBalanceMethod(including
deductedonthe PaymentDueDateshownonthat statement,or the rlextautomatic currenttransactions)to calculatethe BalanceSubjectto InterestRate,Formore
paymentdatereferredto onyour statement,unlessyourequesta recurringpayment
datethat occursbeforeyourPaymentDueDate.in orderto schedulemonthly Information,pleasecall usat 1-800-347-2683.
paymentsbytelephone,youwill needthis statementandyourbankaccount BalanceSubjectTo InterestRate.Yourstatementshowsa BalanceSubjectto Interest
information.YouwiUbeaskedto providethe lastfour (4) digits of the socia!security Rate.It showsthis for eachtransactioncategory.TheBalanceSubjectto InterestRate
numberofthe primaryborrowerasyourelectronicsignature.Byprovidingthose is the averageof the daily balancesduringthe billing period,
numbers,youwill be agreeingtothis authorizationto allowus andyourbankto
deducteachpaymentyouauthorize,in theamountselectedby you,fromyour bank CreditBalances.IfyourAccounthasacreditbalance,the amountisshownonthe
account.Youalsoauthorizeusto initiatedebitor creditentriesto yourbankaccount, frontofyour billing statement.A creditbalanceis moneythatis owedto you.Youmay
as applicable,to correctan errorin the processingof suchpayment.Youcancancel makechargesagainstthis amountifyour Accountis open,Wewill sendyoua refund
or modifya paymentfromyourbankaccountuntil 5:00PMEastemTimeonthe day of anyremainingbalanceof $1.00 or moreafter6 months,or asotherwiserequired
suchpaymentis scheduledby calling1-800-347-2683or by mailat Discover,POBox by applicablelaw, or uponrequestmadeto the addressin the ContactUssectionon
30421,SaltLakeCity,UT84130-0421.Sameday onlineor phonenaymentsfrom page3 ofyour billing statement.
bankaccountmadeafter5:00 PMEasternTimemaybemodifiedbeforeMidnight
EasternTimeof that day.PaymentsfromCashbackBonuscannotbe modifiedor BalanceTransfers.Balance Transfersareofferedat ourdiscretionand accrueinterest
cancelledafter beingmadeor scheduled. at the standardpurchaserateunlesswetell youotherwise.
If yourpaymentsmayvary in amount,wewill tell youoneachmonthlybilling Discovermaymonitorand/or recordtelephoneca(Isbetweenyouand Discover
statementwhenyourpaymentwill be madeandhowmuchit will be.Youmustensure representativesfor quality assurancepurposes.
that sufficientfundsareavailableinyourbankaccount,andall transactionsmust . ..
Sendmqumesto Discover,POBox30943,SaltLakeCity,UT84130
complywith U.S.law.
The Discover®cardis issuedby DiscoverBank,MemberFDIC.
Youcanset up automaticpaymentsfor: (i) statementNewBalance,(ii) statement
DIT23-27.0420
Change of Address
If correcton front, donot use.Tomakechangestoyouraddress,emailortelephonenumber,pleaseprint clearlyin blueor blackink, in thespaceprovidedor visit Discover.com.
StreetAddress HomePhone
WorkPhone
City Email
State,Zip
4 of 10
FILED: OSWEGO COUNTY CLERK 12/28/2023 04:36 PM INDEX NO. EFC-2023-1465
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/28/2023
ONLINE PHONE PAYMENTS Page3of4
C Discover.comor 1-800-347-2683 Discover DISCOVER IT® CARDENDiNGIN3389
NSC VER 4t
download our app TDD1-800-347-7449 POBox 6103 OPENTOCLOSEDATE:10/04/2022 - 11/03/2022
CarolStream
IL60197-6103
TRANS. PREViOUS BALANCE $0.48
DATE PAYMENTS
ANDCREDITS AMOUNT
EARNEDTHIS PERIOD +$0.00
10/14 PHONE PAYMENT- THANKYOU -$182.00 REDEEMEDTHIS PERIOD -SO.00
CASHBACK BONUSBALANCE $048
Fees and Interest Charged
TOTAL FEESFORTHIS PERIOD $0.00
INTERESTCHARGED FORTHISPERIOD AMOUNT
INTERESTCHARGEONPURCHASES $117.36
INTERESTCHARGEONCASHADVANCES $0.00
INTERESTCHARGEONBALANCE TRANSFERS $0.00
TOTAL INTEREST FORTHIS PERIOD $117.36
2022 TOTALSYEAR-TO-DATE CHARGED AMOUNT
TOTALFEESCHARGED IN 2022 $271.00
TOTALINTERESTCHARGED IN 2022 $1,145.23
interest Charge Calculation
Your Annual PercentageRate (APR)is the annual interest rate on your account.
CURRENTBILLINGPERIOD:31 DAYS
PROMO BALANCESUBjECT INTEREST
APR* EXPIRES**
TYPEOFBALANCE APR TOINTERESTRATE CHARGE
Purchases 25,99% V N/A $5,316.35 $117.36
CashAdvances 27.99% V N/A $0.00 $0.00
V = VARIABLE RATE
* Ifyour accountis
currentlyenrolledin a specialprogramor is placedinto one during thetermof the offer, youwill
receivethe benefitofthe lowerratewhilethe specialprogramis in effect.This includes,if applicable,anylower
ratesas authorizedunderthe Servicemembers CivilReliefAct.
** This is the dateyourpromotionalrateexpiresandthe
remainingbalancewill be movedto yourstandardAPR
disclosedwhenyouacceptedthe offer.Pleasenote: Changingyourpaymentdue date maychangeyourPromoAPR
ExpirationDate.
*** Formorein formation,pleasecall usat 1-800-347-2683.
FICO® Credit Score Terms
Your FICO®Credit Score, key factors, and other credit information use the FICO®Score8 model They are based on data from TransUnion®and may be different
from other credit scoresand other credit information provided by different bureaus.This information is intended for and only provided to Primary account holders
who have an available score.Your score, key factors and other credit information are available on Discover.comand cardmembersare also provided a score on
statements. Customerswill see up to a year of recentscores online. Discoverand other lenders may use different inputs, such as FlCO®Credit Scores, other credit
scores and more information in credit decisions. This benefit may change or end in the future. FICOis a registered trademark of Fair Isaac Corporation in the
United States and other countries.
If you prefer not to receiveyour FICO®Credit Scorejust call us at 1-800-DISCOVER
(1-800-347-2683). Pleasegive us two billing cyclesto process your request.
Discover Financial Servicesand Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair OrganizationsAct.
repair" "rebuilding" or "improving" your credit
Discover Financial Servicesand Fair Isaac do not provide "credit services or assistance regarding record, credit
history or credit rating.
FICO®Credit Score
Availability of
As an active cardmember, you may see your FICO®Credit Score on your monthly statement or online. Reasonswhy you may not see your FICO®Credit Score
include: if you opt out; if you have key information that is mismatched or missing, as one example, an address changethat has not been updated with Discover
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 havea
foreign address, Your FlCO®Scoreis disclosed on statements when your statement is available. You may not receivea statement if you have no account activity
such as no purchase transactions, fees, interest, or paymentsfor approximately 30 days.
5 of 10
FILED: OSWEGO COUNTY CLERK 12/28/2023 04:36 PM INDEX NO. EFC-2023-1465
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/28/2023
IT® CARDENDING Page4 of 4
DISCOVER IN3389
AMBERVERITY DATE:10/04/2022 - 11/O3/2022
OPENTOCLOSE
6 of 10
FILED: OSWEGO COUNTY CLERK 12/28/2023 04:36 PM INDEX NO. EFC-2023-1465
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/28/2023
IT® CARDENDINGIN3389
DISCOVER
CARDMEMBERSINCE2019
ACCOUnt $4mma 06/o4 2o23 - o 39 2023 Paymenunformation
Previous Balance $6,517.36 New Balance Minimum Payment Payment Due Date
Payments and Credits -$6,517.36
50.00 S1,639.52 07/25/2023
Purchases +$0.00
Balance Transfers +$0.00 Late PaymentWarning: If we do not receiveyour minimum payment by the date
Cash Advances +$0.00 listed above, you may have to pay a late fee of up to $41.00,
Fees Charged +$0.00
Interest Charged +$0.00
New Balance: $0.00
SeeInterest ChargeCalculationsectionfottowingthe Feesand
Interest Chargedsection for detailed APRinformation
Credit Line $5,000
Credit Line Available $0
Cash Advance Credit Line $1,000
Cash Advance Credit Line Available $0
Your FICO®Score|s unavailable. Login at Discover.com/FICOor
contact us at 1 800-347 2683 to learn more.
NewYork Residents: Formore information call us at 1-800-
347-2683. You may contact the NewYork State Departmentof
FinancialServices at 1-800-342-3736or visit www.dfs.ny.govfor
free information on comparative credit card rates, fees and grace
periods.
Notice:Seereversesidefor important information
Payment Coupon ACCOUNTNUMBERENDINGIN 3389
Detachat perforation aboveand returnwith checkpayableto New Balance 50.00
Discover.Donot fold, clip, stapleor sendcash.
Minimurn Payment Due S1,639.52
Payment Due Date
Amount Enclosed S
AMBER VERITY
426 MAIN ST
Fora faster, easier ) Discover.com 1-800-347-2683
way to pay... seereversefor paymentcutoff times.
PHOENIX NY 13135-2354
PO BOX 6103
CAROL STREAMIL 60197-6103
Newaddress, emailor phone?Pleaseupdate on reverse.
000001986623571647895000000000000000163952
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FILED: OSWEGO COUNTY CLERK 12/28/2023 04:36 PM INDEX NO. EFC-2023-1465
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/28/2023
DISCOVERIT® CARDENDINGIN3389 Page2 of 4
AMBERVERITY OPENTOCLOSE
DATE:06/04/2023 -06/30/2023
Importantinformation MinimumPaymentDue,(iii) statementMinimumPaymentDueplus afixed dollar
SeeyourCardmemberAgreement.
YourCardmember
Agreementcontainsall the amount,or(iv) otherdollaramount. if yourscheduled"Otherdollar amount"
termsofyourAccount, paymentis notenoughto coverthe MinimumPaymentDueaslisted onyour monthly
billingstatement,yourscheduledpaymentfor that monthwill beincreasedto cover
Lostor StolenCards.Reportimmediately!Call1-800-347-2683. the MinimumPaymentDue.If the scheduledpaymentis greaterthan the Minimum
PaymentDue,anyexcesswill be appliedin accordancewith yourCardmember
WhatToDoIfYou ThinkYouFindA MistakeOnYourStatement:Ifyouthink there is Agreement.ifyourscheduledpaymentis greaterthanthe NewBalanceon your billing
anerroronyour statement,writeto us at Discover,POBox30421,SaltLakeCity, UT statement,that paymentwill be processedonlyfor the amountof your NewBalance.
84130-0421,or submittheform providedat https://discover.com/billingerrornotice. Yourautomaticpaymentamount maybe lessthanthe amountindicatedonthe billing
Youmustcontactuswithin 60 daysafterthe errorappearedonyourstatement.You statementbasedoncreditsor paymentsafterthe CloseDate.
maycall us, but if youdowearenot requiredto investigateanypotentialerrors, and
you mayhaveto paytheamountin question.TheBilling RightsNoticefurther If Youenrollby phonein our automaticpaymentservice,pleasefill-in the following
explainsyourrights.PleaseseeyourCardmemberAgreementorvisit blanksbelowandretainthe authorizationforyourrecords.
https://discover.com/billingrightsfor a copy of this Notice.
Amount
Payrnents.Youmaypayall or part ofyourAccountbalanceat anytime. However,you OFull Pay C)Min Pay
must pay at leastthe MinimumPaymentDueby the PaymentDueDate.Sendonly OMin Pay+$ C) OtherAmount$
('
yourallowableformofpayment Payment) andthe bottomportionof this statement
in the envelopeprovided,afteraffixingpostage.Paymentssentwithoutproper BankRouting#
postagewill be returnedto the sender.Ifyou payby check,youauthorizeus to use BankAccount#
informationonyourcheckto makean electronicfundtransferfromyouraccountat MonthlyontheOPayment DueDate,or O Dayof the month 0NSERTDATE)
the financialinstitutionindicatedonyourcheckorto processthe paymentas a check
transaction.If a Paymentisprocessedasan electronicfundtransfer,the transferwill CreditReporting.CreditReporting.WemayreportinformationaboutyourAccountto
be for the amountofthe check,fundsmay bewithdrawnfromyouraccountas soon creditbureaus.Latepayments,missedpayments,orotherdefaultson yourAccount
asthe sameday wereceiveyourcheck, andyouwill notreceiveyourcheckback·
maybereflectedin yourcredit report.Wenormallyreportthe statusand payment
Pleasedonotsend cash.Sendingcashis not allowed.Theprocessingof your historyofyourAccountto credit reportingagencieseachmonth,lf you believethat
allowableformof Paymentmaybedelayedif yousendcashor correspondencewith ourreportis maccurateor mcomplete,pleasewriteusat this address:Discover,PO
your Payments,if yousendthe Paymentto anyotheraddress,or if you usean Box30939,SaltLakeCity,UT84130-0939.Pleaseincludeyourname,address,
envelopeotherthanthe oneprovided.Paymentsreceivedatour processingfacility hometelephonenumberandAccountnumber.
by 5PMlocaltime on anydaywill becreditedto yourAccountasofthat day. Payinginterest.Yourdue date is at least25 daysafterthecloseof each billing period
Paymentsreceivedatour processmgfacility after5PMlocaltimewill becreditedto (atleast23daysfor billing periodsthat beginin February). Wewill begincharging
yourAccountasofthe nextday.Ifyou havemisplacedyourenvelope,sendyour interestonCashAdvancesand BalanceTransfersasof the laterof the Transaction
PaymentroDiscover,POBox6103, CarolStream,it 60197-6103.Pleaseallow 7-10 Dateor the firstday of the billing periodin whichthetransactionpostedto your
daysfor delivery.IfyourPaymentisreturnedunpaid,wereservethe rightto resubmit Account.Ifyou paythe NewBalanceonyourcurrentbilling statementby the Payment
it asan electronicdebit.Paymentsmadeonlineor by phonebeforeMidnight Eastern DueDateshownonthat billing statement,wewill notimposeinterestchargeson
Timeon anyday exceptyour StatementClosingDatewill becreditedas of the same NewPurchases.NewPurchasesarePurchasesthat first appearonthe next billing
day; onyour StatementClosingDate,online andphonepaymentsmustbemade statement.Interestwillcontinue to accrueeachdayon purchasesthat appearedon
before5:00 PMEasternTimeto becreditedasof that day. previousbillingstatementsuntilyou paythe NewBalancein full andwill be billed in
Youcanalso makea Paymentor set up automaticpaymentsbycalling1-800-347- the nextbilling cycle.
2683. Automaticpaymentsfor the billing periodshownonyourstatementwill be. HowWeCalculateInterestCharges.WeUsethe DailyBalanceMethod (including
deductedon the PaymentDueDateshownonthat statement,orthe nextautomatic currenttransactions)to calculatethe BalanceSubjectto interestRate.Formore
paymentdatereferredto on your statement,unlessyourequesta recurrmgpayment
datethat occursbeforeyourPaymentDueDate.Inorderto schedulemonthly information,pleasecall usat 1-800-347-2683.
paymentsby telephone,youwill needthis statementandyourbankaccount BalanceSubjectToInterestRate.YourstatementshowsaBalanceSubjectto Interest
information.Youwill beaskedto providethe lastfour (4) digitsof the social security Rate.It showsthis for eachtransactioncategory.TheBalanceSubjectto InterestRate
numberof the primaryborrowerasyourelectronicsignature.Byprovidingthose is theaverageof the daily balancesduringthe billing period.
numbers,youwillbe agreeingtothis authorizationto allowusandyourbankto
deducteachpaymentyouauthorize,in the amountselectedbyyou, fromyour bank CreditBatances. IfyourAccounthasa creditbalance,the amountis shownonthe
account.Youalsoauthorizeus to initiatedebit or creditentriesto your bank account, frontofyourbilling statement.Acreditbalanceis moneythat is owedto you.Youmay
as applicable,to correctanerrorin the processingof suchpayment.Youcancancel makechargesagainstthis amountIfyourAccountisopen.Wewill sendyoua refund
or modifya paymentfromyourbankaccountuntil 5:00PMEasternTimeon the day of anyremainingbalanceof $1.00 or moreafter6 months,or asotherwiserequired
suchpaymentis scheduledby calling 1-800-347-2683or by mallat Discover,POBox by applicablelaw,or upon requestmadeto the addressin the ContactUssectionon
30421, SaltLakeCity,UT84130-0421.SamedayonLineor phonepaymentsfrom page3 of yourbilling statement.
bankaccountmadeafter5:00 PMEasternTimemaybemodifiedbeforeMidnight
EasternTimeof that day.PaymentsfromCashbackBonuscannotbe modifiedor BalanceTransfers.Balance Transfersareofferedat ourdiscretionand accrueinterest
cancelledafter beingmadeor scheduled. atthestandardpurchaserateunlesswetell youotherwise.
Ifyourpaymentsmayvary in amount,wewill tell youoneachmonthlybilling Discovermaymonitorand/or recordtelephonecallsbetweenyou and Discover
statementwhenyourpaymentwill be madeandhowmuchit will be.Youmust ensure for quality assurancepurposes.
representatives
that sufficientfundsareavailablein your bankaccount,andall transactionsmust Sendinquiriesto Discover,POBox30943, SaltLakeCity,UT84130
complywith U.S.law.
Youcanset up automaticpaymentsfor: (i) statementNewBalance,(ii) statement TheDiscove cardis issued by DiscoverBank,MemberFDIC.
DIT23-27.0420
Change of Address
If correctonfront,donot use.Tomakechangestoyouraddress,emailor telephonenumber,pleaseprint clearlyIn blueor blackink, in thespaceprovidedor visit Discover.com.
StreetAddress HomePhone
WorkPhone
City Email
..............
State,Zip
...............
8 of 10
FILED: OSWEGO COUNTY CLERK 12/28/2023 04:36 PM INDEX NO. EFC-2023-1465
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/28/2023
ONLINE PHONE PAYMENTS Page3 of 4
Discover.comor 1-800-347-2683 Discover DISCOVERIT® CARDENDINGIN3389
atSC /ER t
download our app TDD1-800-347-7449 POBox 6103 OPENTOCLOSE 06/04/2023 - 06/30/2023
DATE:
CarolStream
IL60197-6103
Bonus®
Transactions Cashback Rewards
TRANS, PREVIOUS BALANCE $0.00
DATE PAYMENTS
ANDCREDITS AMOUNT
Preview
FILED: OSWEGO COUNTY CLERK 12/28/2023 04:36 PM INDEX NO. EFC-2023-1465 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/28/2023 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF OSWEGO INDEX NUM.BER: DISCOVER BANK EFC-2023-1465 PLAINTIFF, FILE NO. D173360 -AGAINST- AMBER VERITY AFFIDAVIT OF DEFENDANT(S). FACTS STATE OF OHIO ) SS: COUNTY OF FRANKLIN ) Coe , being duly sworn, deposes and says that: 1. 1, (Lefa (c am a Litigation Support Coordinator for DISCOVER BANK ("Plaintiff'), and I have access to Plaintiffs books and records ("Business Records"), including electronic records, relating to the account ("Account") of AMBER VERITY ("Defendant"). The last four digits of the Account number are 3389. In my position, I have personal knowledge of the procedures for creating and maintaining Plaintiffs Business Records. Plaintiffs Business Records were made in the regular course of business, and it was the regular course of such business to make the Business Records. The records were made at or near the time of the events recorded. Based on my review of Plaintiffs Business Records, I have personal knowledge of the facts set forth in this affidavit. 2. Plaintiff and Defendant entered into a credit agreement ("Agreement"). Defendant agreed to pay Plaintiff for all goods, services and cash advances provided pursuant to the Agreement. The amount of the last payment made by Defendant was $182.00, made on October 14, 2022. Defendant is now in default and demand for payment has been made. A true and correct copy of the Agreement or document(s) evidencing the Agreement is attached as an exhibit to this affidavit. 1 of 10 FILED: OSWEGO COUNTY CLERK 12/28/2023 04:36 PM INDEX NO. EFC-2023-1465 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/28/2023 3. At this time, Defendant owes $6,516.88 on the Account. This amount includes a charge-off balance of $6,516.88, post-charge-off interest of $0.00, post-charge-off fees of $0.00, less any post-charge-off credits or payments made by or on behalf of the Defendant of $0.00. 4. As set forth in New York CPLR Article 50, the interest rate applicable to the Account pursuant to section five thousand four of this chapter applies. Wherefore, deponent demands judgment against Defendant for $6,516.88, together with the costs and disbursements of this action. The above statements are true and correct to the best of my personal knowledge. Date: l\ 30 Zap Affi nt Signature Affiant Name The foregoing instrument was subscribed and sworn to before me this, O day of Notary Public OtANALANG 8 PUBuc- 0H10 s NoTARY gycov9tSS5 S *E 01-92B 2 of 10 FILED: OSWEGO COUNTY CLERK 12/28/2023 04:36 PM INDEX NO. EFC-2023-1465 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/28/2023 IT® CARDENDINGIN3389 DISCOVER CARDMEMBERSINCE2019 Account 1oto412o11-11/o3 2022 Payment Information Summary Previous Balance $5,382.63 New Balance Minimum Payment Payment Due Date Payments and Credits -$182.00 S5,317.99 S138.00 12/01/2022 Purchases +$0.00 Balance Transfers +$0.00 Late PaymentWarning: If we do not receiveyour minimum payment by the date Cash Advances +$0.00 listed above, you may haveto pay a late fee of up to $41.00. Fees Charged +$0.00 MinimumPaymentWarning: If you makeonly the minimum payment each period, Interest Charged +$117.36 you will pay more in interest and it will take longerto pay off your balance.For example: New Balance: $5,317.99 ifyou make no additional Youwingay off the And yett wMend up See Interest ChargeCalculationsectionfollowingthe Feesand chargesusing this card and balanceshownon this paying an estimated Interest Chargedsection for detailed APRinformation eachmonth youpay- statementinabout- totatof- Credit Line $5,000 Credit Line Available $0 Only the minimum payment 22 years $20,803 Cash Advance Credit Line $1,000 $7,713 $214 3 years (savings- $13,090) Cash Advance Credit Line Available $0 Ifyouwould tikeinformationaboutcreditcounselingservices,call us at 1-800-347-1121. .................................................................................... . ..... .................... . ................. . ... FlCO®Score 8 based on TransUnion® data: AS OF 10/28/22 Updated Monthly See KeyFactorsthat help explain your score at Discover.comor visit our mobile app NewYork Residents: Formore information call us at 1-800- 347-2683. You may contact the NewYork State Departmentof Financial Servicesat 1-800-342-3736 or visit www.dfs.ny.gov for free information on comparativecredit card rates, fees and grace periods. Notice:Seereversesidefor importantinformation Payment Coupon ACCOUNTNUMBERENDINGIN 3389 Detachat perforationaboveandreturnwith checkpayableto New Balance S5,317.99 Discover.Donot fold, clip, stapleor sendcash. Minimum Payment Due 138.00 Payment Due Date 12/01/2022 AibouHEnclûúed S AMBER VERITY Fora faster, easier F Discover.com 1-800-347-2683 426 MAIN ST way to pay... Seereversefor paymentcut offtimes. PHOENIX NY 13135-2354 ---- PO BOX 70176 PHILADELPHIAPA 19176-0176 New address, email or phone?Pleaseupdate on reverse. 000001986623571647895053179900064450013800 3 of 10 FILED: OSWEGO COUNTY CLERK 12/28/2023 04:36 PM INDEX NO. EFC-2023-1465 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/28/2023 IT® CARDENDINGIN3389 DISCOVER Page2 of4 AMBERVERITY DATE:10/04/2022 -11/03/2022 OPENTOCLOSE Importantinformation MinimumPaymentDue,(iii) statementMinimumPaymentDueplusa fixed dollar SeeyourCardmemberAgreement.YourCardmemberAgreement containsall the amount" amount,or (iv) otherdollaramount. Ifyourscheduled"Otherdollar termsofyourAccount, paymentis not enoughto coverthe MinimumPaymentDueaslisted onyour monthly billingstatement,yourscheduledpaymentfor that monthwill beincreasedto cover LostorStolen Cards.Reportimmediately!Call1-800-347-2683. th: MinimumPaymentDue.if the scheduledpaymentis greaterthanthe Minimum PaymentDue,any excesswillbe appliedin accordancewith yourCardmember WhatToDolfYou ThinkYouFindAMistakeOnYourStatement:If youthink thereis Agreement,Ifyour scheduledpaymentis greaterthanthe NewBalanceon your billing anerroronyour statement,writeto usat Discover,POBox30421, SaltLakeCity,lJT staternent,that paymentwill be processedonlyfor the amountof your NewBalance. 84130-0421,or submitthe formprovidedat https://discover.com/billingerrornotice. Yourautomaticpaymentamountmaybelessthantheamountindicatedon the billing Youmustcontactuswithin 60 daysafterthe errorappearedonyourstatement.You statementbasedon creditsor paymentsafterthe CloseDate. maycall us, but if youdo we arenot requiredto investigateany potentialerrors,and you mayhaveto paythe amountin question.TheBilling RightsNoticefurther Ifyouenroll by phonein ourautomaticpaymentservice,pleasefill-in the following explainsyourrights.PleaseseeyourCardmember Agreementorvisit blanksbelowandretainthe authorizationfor yourrecords. https://discover.com/billingrightsfora copyof this Notice. Amount Payments.Youmaypay all or part ofyourAccountbalanceat anytime. However,you O FullPay OMin Pay must payat leastthe MinimumPaymentDueby the PaymentDueDate.Sendonly OMin Pay+$ 00ther Amount$ yourallowableformof payment('Payment') andthe bottomportionof this statement in the envelopeprovided,after affixingpostage.Paymentssentwithout proper BankRouting#___ postagewill be returnedto the sender.Ifyou paybycheck,youauthorizeus to use BankAccount# informationonyourcheckto makeanelectronicfundtransferfromyouraccountat Month!vontheOeaymentDueDate.orO Dayofthe month (INSERTDATE) the financialinstitution indicatedonyourcheckorto processthe paymentasa check transaction.if a Paymentis processedasanelectronicfund transfer,the transferwill CreditReporting.CreditReporting.WemayreportinformationaboutyourAccountto beforthe amountofthe check,fundsmaybewithdrawnfromyouraccountas soon creditbureaus.Latepayments,missedpayments,orotherdefaultsonyour Account asthe sameday wereceiveyour check,andyouwill not receiveyourcheckback. maybereflectedin yourcredit report.Wenormallyreportthe statusand payment Pleasedonotsendcash.Sendingcashis notallowed.Theprocessingof your historyof yourAccountto credit reportingagencieseachmonth.Ifyou believethat allowableformof Paymentmay bedelayedif yousendcashor correspondencewith ourreportis inaccurateor incomplete,pleasewnteusatthis address:Discover,PO your Payments,if you sendthe Paymentto anyotheraddress,or if youusean Box30939, SaltLakeCity,UT84130-0939.Pleasemcludeyourname,address, envelopeotherthanthe one provided.Paymentsreceivedat our processingfacility hometelephonenumberandAccountnumber. by 5PMlocaltime on anyday will becreditedto yourAccountas of that day. Payinglnterest.Yourduedateis at least25 daysafterthe closeof each billing period Paymentsreceivedat our processingfacilityafter5PMlocaltime will becreditedto (atleast23 daysfor billing periodsthat beginin February),Wewill begincharging yourAccountas of the nextday.If youhavemisplacedyourenvelope,sendyour interestonCashAdvancesand BalanceTransfersasofthe laterof the Transaction PaymenttoDiscover,POBox6103,CarolStream,ll 60197-6103.Pleaseallow7-10 Dateorthe first day of the billing periodinwhichthe transactionpostedto your daysfor delivery.If yourPaymentis returnedunpaid,wereservethe rightto resubmit Account.if you paythe NewBalanceonyourcurrentbilling statementby the Payment it asanelectronicdebit,Paymentsmadeonlmeor by phonebeforeMidnight Eastern DueDateshownon that Timeon anyday exceptyour StatementClosingDatewill becreditedas of thesame billing statement,wewill notimposeinterestchargeson NewPurchases.NewPurchasesarePurchasesthat firstappearonthe next billing day; onyour StatementClosmgDate,onlmeandphonepaymentsmustbemade statement.Interestwill continueto accrueeachday on purchasesthat appearedon before5:00 PMEasternTimeto becreditedasofthat day- previousbluingstatementsuntilyou paythe NewBalancein full andwill be billed in Youcanalso makea Paymentorset up automaticpaymentsby calling1-800-347- the next billing cycle. 2683. Automaticpaymentsfor the billingperiodshownonyourstatementwill be. HowWeCalculateinterestCharges.WeUsethe DailyBalanceMethod(including deductedonthe PaymentDueDateshownonthat statement,or the rlextautomatic currenttransactions)to calculatethe BalanceSubjectto InterestRate,Formore paymentdatereferredto onyour statement,unlessyourequesta recurringpayment datethat occursbeforeyourPaymentDueDate.in orderto schedulemonthly Information,pleasecall usat 1-800-347-2683. paymentsbytelephone,youwill needthis statementandyourbankaccount BalanceSubjectTo InterestRate.Yourstatementshowsa BalanceSubjectto Interest information.YouwiUbeaskedto providethe lastfour (4) digits of the socia!security Rate.It showsthis for eachtransactioncategory.TheBalanceSubjectto InterestRate numberofthe primaryborrowerasyourelectronicsignature.Byprovidingthose is the averageof the daily balancesduringthe billing period, numbers,youwill be agreeingtothis authorizationto allowus andyourbankto deducteachpaymentyouauthorize,in theamountselectedby you,fromyour bank CreditBalances.IfyourAccounthasacreditbalance,the amountisshownonthe account.Youalsoauthorizeusto initiatedebitor creditentriesto yourbankaccount, frontofyour billing statement.A creditbalanceis moneythatis owedto you.Youmay as applicable,to correctan errorin the processingof suchpayment.Youcancancel makechargesagainstthis amountifyour Accountis open,Wewill sendyoua refund or modifya paymentfromyourbankaccountuntil 5:00PMEastemTimeonthe day of anyremainingbalanceof $1.00 or moreafter6 months,or asotherwiserequired suchpaymentis scheduledby calling1-800-347-2683or by mailat Discover,POBox by applicablelaw, or uponrequestmadeto the addressin the ContactUssectionon 30421,SaltLakeCity,UT84130-0421.Sameday onlineor phonenaymentsfrom page3 ofyour billing statement. bankaccountmadeafter5:00 PMEasternTimemaybemodifiedbeforeMidnight EasternTimeof that day.PaymentsfromCashbackBonuscannotbe modifiedor BalanceTransfers.Balance Transfersareofferedat ourdiscretionand accrueinterest cancelledafter beingmadeor scheduled. at the standardpurchaserateunlesswetell youotherwise. If yourpaymentsmayvary in amount,wewill tell youoneachmonthlybilling Discovermaymonitorand/or recordtelephoneca(Isbetweenyouand Discover statementwhenyourpaymentwill be madeandhowmuchit will be.Youmustensure representativesfor quality assurancepurposes. that sufficientfundsareavailableinyourbankaccount,andall transactionsmust . .. Sendmqumesto Discover,POBox30943,SaltLakeCity,UT84130 complywith U.S.law. The Discover®cardis issuedby DiscoverBank,MemberFDIC. Youcanset up automaticpaymentsfor: (i) statementNewBalance,(ii) statement DIT23-27.0420 Change of Address If correcton front, donot use.Tomakechangestoyouraddress,emailortelephonenumber,pleaseprint clearlyin blueor blackink, in thespaceprovidedor visit Discover.com. StreetAddress HomePhone WorkPhone City Email State,Zip 4 of 10 FILED: OSWEGO COUNTY CLERK 12/28/2023 04:36 PM INDEX NO. EFC-2023-1465 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/28/2023 ONLINE PHONE PAYMENTS Page3of4 C Discover.comor 1-800-347-2683 Discover DISCOVER IT® CARDENDiNGIN3389 NSC VER 4t download our app TDD1-800-347-7449 POBox 6103 OPENTOCLOSEDATE:10/04/2022 - 11/03/2022 CarolStream IL60197-6103 TRANS. PREViOUS BALANCE $0.48 DATE PAYMENTS ANDCREDITS AMOUNT EARNEDTHIS PERIOD +$0.00 10/14 PHONE PAYMENT- THANKYOU -$182.00 REDEEMEDTHIS PERIOD -SO.00 CASHBACK BONUSBALANCE $048 Fees and Interest Charged TOTAL FEESFORTHIS PERIOD $0.00 INTERESTCHARGED FORTHISPERIOD AMOUNT INTERESTCHARGEONPURCHASES $117.36 INTERESTCHARGEONCASHADVANCES $0.00 INTERESTCHARGEONBALANCE TRANSFERS $0.00 TOTAL INTEREST FORTHIS PERIOD $117.36 2022 TOTALSYEAR-TO-DATE CHARGED AMOUNT TOTALFEESCHARGED IN 2022 $271.00 TOTALINTERESTCHARGED IN 2022 $1,145.23 interest Charge Calculation Your Annual PercentageRate (APR)is the annual interest rate on your account. CURRENTBILLINGPERIOD:31 DAYS PROMO BALANCESUBjECT INTEREST APR* EXPIRES** TYPEOFBALANCE APR TOINTERESTRATE CHARGE Purchases 25,99% V N/A $5,316.35 $117.36 CashAdvances 27.99% V N/A $0.00 $0.00 V = VARIABLE RATE * Ifyour accountis currentlyenrolledin a specialprogramor is placedinto one during thetermof the offer, youwill receivethe benefitofthe lowerratewhilethe specialprogramis in effect.This includes,if applicable,anylower ratesas authorizedunderthe Servicemembers CivilReliefAct. ** This is the dateyourpromotionalrateexpiresandthe remainingbalancewill be movedto yourstandardAPR disclosedwhenyouacceptedthe offer.Pleasenote: Changingyourpaymentdue date maychangeyourPromoAPR ExpirationDate. *** Formorein formation,pleasecall usat 1-800-347-2683. FICO® Credit Score Terms Your FICO®Credit Score, key factors, and other credit information use the FICO®Score8 model They are based on data from TransUnion®and may be different from other credit scoresand other credit information provided by different bureaus.This information is intended for and only provided to Primary account holders who have an available score.Your score, key factors and other credit information are available on Discover.comand cardmembersare also provided a score on statements. Customerswill see up to a year of recentscores online. Discoverand other lenders may use different inputs, such as FlCO®Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICOis a registered trademark of Fair Isaac Corporation in the United States and other countries. If you prefer not to receiveyour FICO®Credit Scorejust call us at 1-800-DISCOVER (1-800-347-2683). Pleasegive us two billing cyclesto process your request. Discover Financial Servicesand Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair OrganizationsAct. repair" "rebuilding" or "improving" your credit Discover Financial Servicesand Fair Isaac do not provide "credit services or assistance regarding record, credit history or credit rating. FICO®Credit Score Availability of As an active cardmember, you may see your FICO®Credit Score on your monthly statement or online. Reasonswhy you may not see your FICO®Credit Score include: if you opt out; if you have key information that is mismatched or missing, as one example, an address changethat has not been updated with Discover 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 havea foreign address, Your FlCO®Scoreis disclosed on statements when your statement is available. You may not receivea statement if you have no account activity such as no purchase transactions, fees, interest, or paymentsfor approximately 30 days. 5 of 10 FILED: OSWEGO COUNTY CLERK 12/28/2023 04:36 PM INDEX NO. EFC-2023-1465 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/28/2023 IT® CARDENDING Page4 of 4 DISCOVER IN3389 AMBERVERITY DATE:10/04/2022 - 11/O3/2022 OPENTOCLOSE 6 of 10 FILED: OSWEGO COUNTY CLERK 12/28/2023 04:36 PM INDEX NO. EFC-2023-1465 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/28/2023 IT® CARDENDINGIN3389 DISCOVER CARDMEMBERSINCE2019 ACCOUnt $4mma 06/o4 2o23 - o 39 2023 Paymenunformation Previous Balance $6,517.36 New Balance Minimum Payment Payment Due Date Payments and Credits -$6,517.36 50.00 S1,639.52 07/25/2023 Purchases +$0.00 Balance Transfers +$0.00 Late PaymentWarning: If we do not receiveyour minimum payment by the date Cash Advances +$0.00 listed above, you may have to pay a late fee of up to $41.00, Fees Charged +$0.00 Interest Charged +$0.00 New Balance: $0.00 SeeInterest ChargeCalculationsectionfottowingthe Feesand Interest Chargedsection for detailed APRinformation Credit Line $5,000 Credit Line Available $0 Cash Advance Credit Line $1,000 Cash Advance Credit Line Available $0 Your FICO®Score|s unavailable. Login at Discover.com/FICOor contact us at 1 800-347 2683 to learn more. NewYork Residents: Formore information call us at 1-800- 347-2683. You may contact the NewYork State Departmentof FinancialServices at 1-800-342-3736or visit www.dfs.ny.govfor free information on comparative credit card rates, fees and grace periods. Notice:Seereversesidefor important information Payment Coupon ACCOUNTNUMBERENDINGIN 3389 Detachat perforation aboveand returnwith checkpayableto New Balance 50.00 Discover.Donot fold, clip, stapleor sendcash. Minimurn Payment Due S1,639.52 Payment Due Date Amount Enclosed S AMBER VERITY 426 MAIN ST Fora faster, easier ) Discover.com 1-800-347-2683 way to pay... seereversefor paymentcutoff times. PHOENIX NY 13135-2354 PO BOX 6103 CAROL STREAMIL 60197-6103 Newaddress, emailor phone?Pleaseupdate on reverse. 000001986623571647895000000000000000163952 7 of 10 FILED: OSWEGO COUNTY CLERK 12/28/2023 04:36 PM INDEX NO. EFC-2023-1465 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/28/2023 DISCOVERIT® CARDENDINGIN3389 Page2 of 4 AMBERVERITY OPENTOCLOSE DATE:06/04/2023 -06/30/2023 Importantinformation MinimumPaymentDue,(iii) statementMinimumPaymentDueplus afixed dollar SeeyourCardmemberAgreement. YourCardmember Agreementcontainsall the amount,or(iv) otherdollaramount. if yourscheduled"Otherdollar amount" termsofyourAccount, paymentis notenoughto coverthe MinimumPaymentDueaslisted onyour monthly billingstatement,yourscheduledpaymentfor that monthwill beincreasedto cover Lostor StolenCards.Reportimmediately!Call1-800-347-2683. the MinimumPaymentDue.If the scheduledpaymentis greaterthan the Minimum PaymentDue,anyexcesswill be appliedin accordancewith yourCardmember WhatToDoIfYou ThinkYouFindA MistakeOnYourStatement:Ifyouthink there is Agreement.ifyourscheduledpaymentis greaterthanthe NewBalanceon your billing anerroronyour statement,writeto us at Discover,POBox30421,SaltLakeCity, UT statement,that paymentwill be processedonlyfor the amountof your NewBalance. 84130-0421,or submittheform providedat https://discover.com/billingerrornotice. Yourautomaticpaymentamount maybe lessthanthe amountindicatedonthe billing Youmustcontactuswithin 60 daysafterthe errorappearedonyourstatement.You statementbasedoncreditsor paymentsafterthe CloseDate. maycall us, but if youdowearenot requiredto investigateanypotentialerrors, and you mayhaveto paytheamountin question.TheBilling RightsNoticefurther If Youenrollby phonein our automaticpaymentservice,pleasefill-in the following explainsyourrights.PleaseseeyourCardmemberAgreementorvisit blanksbelowandretainthe authorizationforyourrecords. https://discover.com/billingrightsfor a copy of this Notice. Amount Payrnents.Youmaypayall or part ofyourAccountbalanceat anytime. However,you OFull Pay C)Min Pay must pay at leastthe MinimumPaymentDueby the PaymentDueDate.Sendonly OMin Pay+$ C) OtherAmount$ (' yourallowableformofpayment Payment) andthe bottomportionof this statement in the envelopeprovided,afteraffixingpostage.Paymentssentwithoutproper BankRouting# postagewill be returnedto the sender.Ifyou payby check,youauthorizeus to use BankAccount# informationonyourcheckto makean electronicfundtransferfromyouraccountat MonthlyontheOPayment DueDate,or O Dayof the month 0NSERTDATE) the financialinstitutionindicatedonyourcheckorto processthe paymentas a check transaction.If a Paymentisprocessedasan electronicfundtransfer,the transferwill CreditReporting.CreditReporting.WemayreportinformationaboutyourAccountto be for the amountofthe check,fundsmay bewithdrawnfromyouraccountas soon creditbureaus.Latepayments,missedpayments,orotherdefaultson yourAccount asthe sameday wereceiveyourcheck, andyouwill notreceiveyourcheckback· maybereflectedin yourcredit report.Wenormallyreportthe statusand payment Pleasedonotsend cash.Sendingcashis not allowed.Theprocessingof your historyofyourAccountto credit reportingagencieseachmonth,lf you believethat allowableformof Paymentmaybedelayedif yousendcashor correspondencewith ourreportis maccurateor mcomplete,pleasewriteusat this address:Discover,PO your Payments,if yousendthe Paymentto anyotheraddress,or if you usean Box30939,SaltLakeCity,UT84130-0939.Pleaseincludeyourname,address, envelopeotherthanthe oneprovided.Paymentsreceivedatour processingfacility hometelephonenumberandAccountnumber. by 5PMlocaltime on anydaywill becreditedto yourAccountasofthat day. Payinginterest.Yourdue date is at least25 daysafterthecloseof each billing period Paymentsreceivedatour processmgfacility after5PMlocaltimewill becreditedto (atleast23daysfor billing periodsthat beginin February). Wewill begincharging yourAccountasofthe nextday.Ifyou havemisplacedyourenvelope,sendyour interestonCashAdvancesand BalanceTransfersasof the laterof the Transaction PaymentroDiscover,POBox6103, CarolStream,it 60197-6103.Pleaseallow 7-10 Dateor the firstday of the billing periodin whichthetransactionpostedto your daysfor delivery.IfyourPaymentisreturnedunpaid,wereservethe rightto resubmit Account.Ifyou paythe NewBalanceonyourcurrentbilling statementby the Payment it asan electronicdebit.Paymentsmadeonlineor by phonebeforeMidnight Eastern DueDateshownonthat billing statement,wewill notimposeinterestchargeson Timeon anyday exceptyour StatementClosingDatewill becreditedas of the same NewPurchases.NewPurchasesarePurchasesthat first appearonthe next billing day; onyour StatementClosingDate,online andphonepaymentsmustbemade statement.Interestwillcontinue to accrueeachdayon purchasesthat appearedon before5:00 PMEasternTimeto becreditedasof that day. previousbillingstatementsuntilyou paythe NewBalancein full andwill be billed in Youcanalso makea Paymentor set up automaticpaymentsbycalling1-800-347- the nextbilling cycle. 2683. Automaticpaymentsfor the billing periodshownonyourstatementwill be. HowWeCalculateInterestCharges.WeUsethe DailyBalanceMethod (including deductedon the PaymentDueDateshownonthat statement,orthe nextautomatic currenttransactions)to calculatethe BalanceSubjectto interestRate.Formore paymentdatereferredto on your statement,unlessyourequesta recurrmgpayment datethat occursbeforeyourPaymentDueDate.Inorderto schedulemonthly information,pleasecall usat 1-800-347-2683. paymentsby telephone,youwill needthis statementandyourbankaccount BalanceSubjectToInterestRate.YourstatementshowsaBalanceSubjectto Interest information.Youwill beaskedto providethe lastfour (4) digitsof the social security Rate.It showsthis for eachtransactioncategory.TheBalanceSubjectto InterestRate numberof the primaryborrowerasyourelectronicsignature.Byprovidingthose is theaverageof the daily balancesduringthe billing period. numbers,youwillbe agreeingtothis authorizationto allowusandyourbankto deducteachpaymentyouauthorize,in the amountselectedbyyou, fromyour bank CreditBatances. IfyourAccounthasa creditbalance,the amountis shownonthe account.Youalsoauthorizeus to initiatedebit or creditentriesto your bank account, frontofyourbilling statement.Acreditbalanceis moneythat is owedto you.Youmay as applicable,to correctanerrorin the processingof suchpayment.Youcancancel makechargesagainstthis amountIfyourAccountisopen.Wewill sendyoua refund or modifya paymentfromyourbankaccountuntil 5:00PMEasternTimeon the day of anyremainingbalanceof $1.00 or moreafter6 months,or asotherwiserequired suchpaymentis scheduledby calling 1-800-347-2683or by mallat Discover,POBox by applicablelaw,or upon requestmadeto the addressin the ContactUssectionon 30421, SaltLakeCity,UT84130-0421.SamedayonLineor phonepaymentsfrom page3 of yourbilling statement. bankaccountmadeafter5:00 PMEasternTimemaybemodifiedbeforeMidnight EasternTimeof that day.PaymentsfromCashbackBonuscannotbe modifiedor BalanceTransfers.Balance Transfersareofferedat ourdiscretionand accrueinterest cancelledafter beingmadeor scheduled. atthestandardpurchaserateunlesswetell youotherwise. Ifyourpaymentsmayvary in amount,wewill tell youoneachmonthlybilling Discovermaymonitorand/or recordtelephonecallsbetweenyou and Discover statementwhenyourpaymentwill be madeandhowmuchit will be.Youmust ensure for quality assurancepurposes. representatives that sufficientfundsareavailablein your bankaccount,andall transactionsmust Sendinquiriesto Discover,POBox30943, SaltLakeCity,UT84130 complywith U.S.law. Youcanset up automaticpaymentsfor: (i) statementNewBalance,(ii) statement TheDiscove cardis issued by DiscoverBank,MemberFDIC. DIT23-27.0420 Change of Address If correctonfront,donot use.Tomakechangestoyouraddress,emailor telephonenumber,pleaseprint clearlyIn blueor blackink, in thespaceprovidedor visit Discover.com. StreetAddress HomePhone WorkPhone City Email .............. State,Zip ............... 8 of 10 FILED: OSWEGO COUNTY CLERK 12/28/2023 04:36 PM INDEX NO. EFC-2023-1465 NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 12/28/2023 ONLINE PHONE PAYMENTS Page3 of 4 Discover.comor 1-800-347-2683 Discover DISCOVERIT® CARDENDINGIN3389 atSC /ER t download our app TDD1-800-347-7449 POBox 6103 OPENTOCLOSE 06/04/2023 - 06/30/2023 DATE: CarolStream IL60197-6103 Bonus® Transactions Cashback Rewards TRANS, PREVIOUS BALANCE $0.00 DATE PAYMENTS ANDCREDITS AMOUNT