Preview
FILED: ST. LAWRENCE COUNTY CLERK 11/13/2023 11:36 AM INDEX NO. EFCV-23-165113
NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 11/13/2023
PayPd
CREDR Need More Information?
Statement Closing Date: 11/09/22 View your account online at paypal.com
Days in Billing Per Or can 1-844-373-4961 8 AM ET to 11 PM ET
GlGANTE5®²
Mon-Fri and 9 AM ET to 9 PM ET Sat-Sun
C s o e N e: EMILY
ACCOUNT SUMMARY PAYMENT
....._.............._____.........._..._........_........_....._....._............_....... INFORMATION
..............._........._.--......_.........._......__.........._.._......._.__.__...__....
PreviousBalance $2,016.77 New Balance $2,250.56
- Payments& Credits $40.00 Miniinum PaymentDue $55.00
+ Purchases& Adjustments $114.32 PaymentDue Date 12/02/22
+ Fees $0.00 Amount to avoid Standardand DeferredInterest
+ INTERESTCHARGES $159.47 on your next statement: $2,140.29
= NewBalance $2,250.58 .§ee Reyerse
Late PaymentWarning: If we do not receiveyourminimumpayment
CreditLimit $2,200.00
by 12/02/22,you may haveto pay a latefee of up to $40.00.
AvailableCredit OVERLIMIT Minimum PaymentWarning: If you makeonlythe minimum
paymenteachperiod,you will pay morein interestand it will
takeyou longerto pay off yourbalance.Forexample:
Help protectyour PayPalCreditaccountbalancewhenyou typ aloéno " Youjwn ott.t Ahd,ygwr and
purchasePaymentSecurity.PaymentSecuritycancoveryour 7
minimummonthlypaymentsor entirebalanceup to $10,000if Ecliiiii WEni
a qualifyinglife eventoccurs.Leammoreat .....,
www.paypal.com/paypal-credit-payment-security.
Only the minimum 10Years $5,/91.00
NEWYORKRESIDENTSMAYCONTACTTHE NEWYORK Payment
STATEDEPARTMENTOF FINANCIALSERVICESBY $95.00 3 Years $3,404.00
TELEPHONEOR VISITITSWEBSITEFORFREE (Savings= $2'387.00)
INFORMATIONON COMPARATIVECREDITCARDRATES,
FEES,ANDGRACEPERIODS.NYSTATEDEPTOF If youwouldlikeinformationaboutcreditcounselingservices,call
FINANCIALSERVICES:1-800-342-3736 1-877-302-8775.
http://www.dfs.ny.gov/consumer/creditdebt.htm
PROMOTIONALEXPIRATIONNOTIFICATION
YOUHAVEA DEFERREDINTERESTPROMOTION(S)EXPIRING.YOUMUSTPAYEACHDEFERREDINTEREST
PROMOTIONALBALANCEIN FULLBY ITS EXPIRATIONDATETO AVOIDPAYINGACCRUEDINTERESTCHARGES.PLEASE
SEETHE DEFERREDINTERESTCALCULATIONSECTIONONTHIS STATEMENTFORFURTHERDETAILS.
TranDate PostingDate Reference
Number Description Amoun
11/02/22 11/02/22 P928300N301802M2D OnlinePaymentThankYou -$40,00
AlpharettaGa
TotalPayments
& Credits -$40.00
TranDate PostingDate Reference
Number Type Description Amount
10/13/22 10/13/22 P928300MFEHM6MPYV
Standard DOORDASHINC $23.41
10/13/22 10/13/22 P928300MHEHM678JZ
Standard HULU $7.99
10/16/22 10/16/22 P928300MJEHM6HDSV
Standard HOTTOPICINC $14.00
10/18/22 10/18/22 Standard
P928300MLEHM6MX57 DOORDASHINC $28,04
10/24/22 10/24/22 P928300MSEHM6MBBA
Standard MICROSOFT XBOX $10.79
10/28/22 10/28/22 P928300MZEHM6L450
Standard DOORDASHING $30.09
& Adjustments
TotalPurchases S114.32
Current
ActivityContinued
OnNextPage
Wemayconvertyourpayment
NOTICE: debit.Seereversefordetails,BillingRightsInformation
intoanelectronic information
andotherImportant
6128 ABJ 001 7 'I 2211090 1 of 4
OPAGE 11 92831000PPOS
o1FI6128
PayPd
AccountNumber: 5921
NewBalance: ,250.56
PaymentDue Date: 12/02/22
MakeCheckPayabletoPayPalCredit Minimum PaymentDue: $55.OO
Retumthisportionwithyourpayment. Amount Enclosed:
Writeyouraccountnumberonyourcheck.
Toreceiveelectronio
statementsormake
onlinepaymentsvisitpaypal.cont
PAYPAL CREDIT/SYNCB EMILYGIGANTE
POBOX960006 65BECKWrrH ST
ORI.ANDO, FL32896-0006 GOUVERNEUR NY13642-1541
I ' ilihmhidillahililillIllalil+dlinilldillmillil ''UUNII 'H''"''' "IIII'INI''InU'll'"'I'U'II'l'I'I
FILED: ST. LAWRENCE COUNTY CLERK 11/13/2023 11:36 AM INDEX NO. EFCV-23-165113
MM
NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 11/13/2023
Customer Service: Foraccount information, callthenumber ontheimntofthisstatement ForHearing orS each disaMlities useaTRS. Unless your name isfistedontiisstatement,
your access toinformation ontheamount maybelimited. You may alsomailquestions (butnotpayments) to:RO.ox9650D4, OrlaIdo, FL3289B-5004. Please includeyouraccount number
onanycorrespondence yousend tous.
Payments: Send payments totheaddress listedontheremit ofth!s
poition statement orpayonlineatwww.paypal.com.
gamm Notice: See below foryour BilingRightsandother important information.
Purchases, retums, andpayments made justpilor tobilling date may notappear untilnextmonth'sstatement When youprovfde 8check aspayment, youauthorIze useither fouseInformation fem
your check tomake aone-time eleclmnic fund transfer from your account ortoprocess thepayment asacheck transaction. When weusemfo'mation fromyourcheck tomake anelechanic fund
funds
transfer, may be withdrawn imm your account as soon a sthesame day w ereceive yourpayment, and y ou willnot r eceive your check back from your financial You
instdution, may choose
nottohave yourpayment collectedelectronically bysending yourpayment (withthepayment stub), inyourownenvelope -nottheenclosed vnndow envelope, addressed to:RO.Box
530993, Atlanta, GA3D353-0993 andnotthePayment Address.
What ToDolfYou ThinkYou FindAMistake OnYour Statement Payments Made ByPhone OrOnline· Ifyoumake apayment byphone oronlinebefore 11:59
Ifyouthink there isanenor onyour statement, writetousatSynchmny Bank, P,0.Box965003, p.m. Eastem Time, wewillcredit itasofthedate thepayment ismade.
Odando, FL328945003 CD oflal Payments: All w ritten communica$ons concemIg disputedamounts, induding any
Orcallastomer serviceat1-844-373-4961. check orother payment instrument that( indk:ates thatthe entconstitutes
amount' 'payment mfur
Ifyouwrite tous,inyourletter, giveusthefollowing information: oristendered asfuD satisfaction ofadisputed or endered withother conditions or
. AmSntdixmahr Yourname and accountnumber. limitasons (Disputed Payments'), must bemailed ordelivere tousatP.O. Box965003, Orlando,
. Dobramomt The doGaramountof thesuspeded ernx. FL32896-5003. '
. Descn ciRodem:11youmhkthereisanenoronyour bil,descatevhatycub#eve be and Gmdits ToYour Account: Anamount shown in rentheses orpreceded byaminus (-) nisa
you behave itisamidake. You mustcontadus wbh60days ab Ene enorappearedonyou ceditor credt balance unless otherwise indicate Credits willbeapplied foyour previous lance
amism You must notify of
us any potentelenors in or
wntingbycaling customer senticeat1-844-373496t upon but
immediatelyreceipt,will satisfy not any required payment mat may o e
due.
While wemvestigate whether ornotthere hasbeen anerror, theidlowing aretrue: Credit Reports AndAccount information: Ifyoubelieve thatwehavereported inactuate
. Wecannot tiylocoledthe amountinquestion,orreportyw asdeinquent onthatamount· 'mfounation about youtoaconsumer repolling a. ncyplease contact usatP.O. Box965005,
" The charge inquestian may remainonyour statement,ardvemay continue10
charge you irgemston Orlardo, FL32896-5005. Indoing so,please identithemaccurate informationandtelluswhy you
thatantunt Bu we f determIe thatwenede amstde, youva rothavelopay theamount inquest'on believe itisinconecUf youhave acopy ofthecred port thatincludes theinaccurate informadon,
oranyinhest orcher feeslehdiothstamount please irrJude a copy oft hat
report We may leport Information about youraccount tocreditbureaus.
" WhFeyoudonothavelopay fearrountinquestion,youarerespSsusf±1heremainderof yourbabnce. Late payments, missed payments, orother deraults onyour account may bereflectedinyour credit
. Wecanapplyany unpadarrastagainst you-cnxinml repost.
Credit PayIng Interest Wewilnotcharge youanyinterest onnon-promotional transacdons ifyoupay
Your Rights IfYou AreDissatisñed WithYour Card PHchases balance month. Please refertotheduedate shown onthefront of
Ifyouaredissatislied withthegoods orsendees thatyouhave purchased with
your credK card,and your entire bytheduedate each
date.
problem with t he h ave therightnoito your statement Wewitbegin charging interestonpromotional purchases onthepurchase
youhave tried i n laithtocorrectthe you
merchant,may
paytheremainamount dueonthepurchase. HowWeCalculate Interest
Tousethisright,Iofthefollowing must bebue: Wecalcu'ate Interest onyour account foreach cycle
billing separately foreach balance type. A
1.Thepuasernusthavebeenmad yourhomesta!ecmibh100mlesolyourcunentmaing address,separate average daily balanceis cabulated forthe folowin balancetypes, plicable: standard
ardthapurchase p¬amust havebeen more than (Note·
S50. Nehher ofthesearenaessary Iyour purchases, casn advances andpmmotional Sases. eltheaveraos balance, wetake
pu asessbased onanadveitsement wemated toyou, ori mown thecanpany thalsdd youthe Ineslarting balance each day,induding bill interest andb edfees, ad(the d yinterest amount
godsorservies.) fromtheprevious day, addanynew charges andadjustments, posted thatdayandsubtract any
2.Ycu musthaveusedyourcreditcardf±thepu ase.Puasesmadewihcashadvancesfroman ATMpayments orcredKs (Ireatng anynetcreds balance aszero). This givesusthedaiylbalance. Then,
orwhha check thEt
accesses card
yourcredit a±ount donot qugy. weadd u althedaily balances forthebali deanddivide thetotalbythenumberal days Inthe
3.You mustnot yethree fulypadf±1he pu ase. bEl .Theresult istheaveradaly ance. Wemultiply theaverage dailybalance bythe
IfallofthecDtena above aremet andyouaresulldissatisfied with thepurchase, contactusinwñting p! edaily rate to tthedal terest amount Then wemulti plythedaily Inferestamount by
atSynchrony Bank mber of d ays in billing etodeterrDe the interestcharges.
P.O. Box065003, Orlando, FL32896-5003 AmountTo Avoid Standani AndDeferred interest onYour Noxt Statement
Orcallcustomer sennce at1-8443734961. PAYMENT INFORMATIONbox onfront page).
WhDe weinvestigab, 1hesame rulesapply tothedisputed amount asdiscussed above. we see
After 'samount indudes
finish ourinvesdgaton, wewilltelyouourdeds'on. Atthatpoint, ifwethink youowe anamount and Standard Purchases andCash Advances
youdonotpaywemay report youasdeinquent Purchases without anypmmotional and
oiler Cash Advances.
Information About Payments: You ma t anytimepayinwhole orinpat thetotalunpaidDeferred Interest Pumhases Expidng ThisBilling Cycle
balance without additional chamo ent Purchases made with 'No Payments +NoInterest ifpaidinful>and'NoInterest Kpaidinfu\T
any Payments r emotons that areabout foexpire,
Payments Made ByMaH OrMade Vsing ityBillPayService Pmvider
Account yments Purchases Plan Payments
received after 5:00 p.m. ( nanydaywillbecredded asofthenext day.Credit
thePaymentAddress,
10your
(b)isnotmade unrelated toavoiding
Monthly
Standard and Defemxi weinclude
Interest, Monthly PlanPayments
may bedelayed upto five ifpayment (a)isnotrece|vedat youavoid latefees. Ifyouhave aFinanced Easy Paymenis Purchase Dalance, youwill
inU.S. dollars drawn onaU Jnancial institutonlocated IntheU.S, (c)isnotaccompanied bythe tohelp ontheEasy Payments Purchase balance untilit
ispaid inmil.
remittance coupon attached toyour statement, (d)contains more than one payment orremittance continue tobeassessedinterest
coupon, or(s)mdudes paper di
staples, ps,tape, afolded check, orc orrespondence ofany type. Your Account isowned and serviced bySynchrony Bank.
- 1- 03111/21
01Fl6128
[WF3200090A]
Notice: send
youmust
Ifyoufilebankruty, usnotioM, account
induding numberandallinformation
related
totheproceeding address:
tothefollowing Bank,¾tin:
Syrchony Bankruptcy
Bankruptcy
Dept,P.0.Box965065,Odando, FL2896-5065.
isanattempt
This tocollect
adebt andanyInformat!en wNbeused
obtained forthatpurpose.
number
8telephone onyour youconsent
account Bank
toSynchrony andanyother
owner ofyour
orservicer account youabout
contacting your account, anycontact
using
including
'Byproviding systemand/or voice
orprerecorded
anartilicial when even
you,
contacting ifyouare
orceD
Inf±mation phone numbers and
youprovide, y ou tothe ofanyautomatic
consent use telephonedeling
forthecalunder
charged your phonephn.
Forchanges phone
ofaddress, number
and/or please
email, thebox
check andprintthechanges
below.Thesechangeswilbe toPayPal
applied Cre(GIbut
nott PayPal
oyour Account
Street
Address
O State
City,
ZIP
Phone #
Email
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Phone
# 'Business
Phone
# phone
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FILED: ST. LAWRENCE COUNTY CLERK 11/13/2023 11:36 AM INDEX NO. EFCV-23-165113
NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 11/13/2023
Statement Closing Date: 11/09/22 View your account online at paypal.com
Days in Billing Period: 30 Or call 1-844-373-4961 8 AM ET to 11 PM ET
Account Number: 5921
Mon-Fri and 9 AM ET to 9 PM ET Sat-Sun
Gustomer Name: EMtLY GMANTE
TranDate PostingDate Description Amount
11/09/22 11/09/22 Charge
"lnterest onPurchases $159.47
TotalInterest $169.47
2022TotalsYear-To-Date
_..___........._._....................._.._.-----...._...........--..................._..........-.............._...______...
TotalFeesCharged In2022:$29.00 TotalInterestCharged in2022:$183.27
BalanceType AnnualPercentage BalanceSubjectto InterestCharged currentBalance
Rate(APR) InterestRate
StandardPurchases 26.99%(v) $477.27 $10.59 $515.68
PayPatSendMoneyCashAdvances 26.99%(v) $0.00 $0.00 $0.00
NoInterestIfPaidInFull 26.99%(v) $283.22 $43.97 $274.96
NoInterestIfPaidInFull 26.99%(v) $380.52 $52.47 $428.93
NointerestIf PaidInFull 26.99%(v) $380.52 $52.44 $428.90
(v)=VariableRate
PromotionType Pasting AnnualPercentageExpiration MonthlyAccrued TotalAccrued DeferredInterest
Date Rate(APR) Date DeferredInterest DeferredInterest Balance
NoInterestIf Paidin Full 05/18/22 26.99%(v) 12/02/22* $11.03 $61.61 $491.82*
NoInterest11Paid InFull 09/18/22 26.99%(v) 04/02/23* $0.12 $0.20 $5.27
NointerestIf PaidInFull 09/18/22 26.99%(v) 04/02/23* $1.44 $2.52 $64.58*
NoInterestIf PaidInFull 09/18/22 26.99%(v) 04/02/23* $0.26 $0.45 $11.41*
NoInterest11Paid InFull 09/18/22 28.99%(v) 04/02/23* $0.24 $0.42 $10.87
NoInterestIfPaidInFull 09/18/22 26.99%(v)__DQ02Q3*_____)0.4)_________jQ.,7_1_ ____§1QR__,
(v)-VariableRate
*Youmust pay your deferred interest balancein full by the expiration date above to avoid paying accrued deferred interest
charges
ACCOUNTHOLDER NOTICES
___.---..._......---......__.....__............_......__....--...__._......._..---...----....._....______.___._..._.-.._._.__...........
PLEASEREADTHE IMPORTANTCHANGE-IN-TERMS NOTICEINCLUDEDONTHISBILLINGSTATEMENT.THISNOTICE
MAKESCHANGESTO THECARDHOLDERAGREEMENTGOVERNINGYOURACCOUNT.
If you need assistancewith an accommodation for yourstatementsand/oraccountletters,pleasecall 800-292-7508.
If you needto contactSynchronyaboutthe lossof a Synchronycardholder,youcan submita deceasednotificationformlocatedat
www.syf.comunderthe 'ContactUs' page.
PromotionalPurchases:No Interestif Paidin Fullin 6 MonthsInformation
Purchasesand Send Moneytransactionsthat areusedin connectionwith a purchaseof goodsand servicesthat are$99 or more may
qualifyfor a No Interestif Paidin Fullin 6 Monthspromotion.Underthis promotion,if the promotionalbalanceis not paidin full by the
ExpirationDate,interestwill be imposedfromthe purchasedate at a rateof 26.99%.If a (v) is shownafteryour APRin the Interest
Detailssectionof this billingstatement,theAPRis a variablerateandwill vary withthe marketbasedon the PrimeRate.Minimum
monthlypaymentsare required.
SynchronyBankmay continueto obtaininformation,includingemploymentandincomeinformationfromothersaboutyou (including
requestingreportsfrom consumerreportingagenciesandother sources)to review,maintainor collectyouraccount.
Youraccountis over its creditlimit.Pleasepay the amountby whichyour balanceexceedsthe creditlimitplusthe minimumpayment
due.If you havealreadysentus this payment,thankyou.
Your account is over its credit limit. Please pay the amount by which your balanceexceedsthe credit limit plus the minimum
payment due. If you have already sent us this payment, thank you.
6128 ABJ 001 7 7 2211090 OPAGE
2 of 4 11 92831000PP0501FI6128
FILED: ST. LAWRENCE COUNTY CLERK 11/13/2023 11:36 AM INDEX NO. EFCV-23-165113
NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 11/13/2023
The following is a summary of changes that are being made to your account terms.
Unless otherwise noted, these changes will take effect on 01/10/23.
For more information about the changes being made to your account, please see below.
Late Up to $4 f.
Payment Fee
Returned Up to $30.
Payment Fee
Minimum Payment Calculation: We are increasing the total minimum payment on your account. The Minimum Payment
Calculation terms in your Account Agreement will be replaced with the Minimum Payment Calculation terms shown below.
Please keep this important document for your records.
"Your minimum payment is calculated as follows.
The sum of:
a. For the new balance shown on your billing statement (excluding any Easy Payments purchase balance), the greater of:
(i) $30, or $41 if you have failed to pay the minimum payment due by the due date in any one or more of the prior six billing
cycles; or
(ii) The sum of 1% of such new balance (rounded down to the nearest whole dollar), plus interest (excluding any accrued
interest on a deferred interest purchase billed in that billing cycle), late payment fees and returned payment fees charged
in the current billing cycle (rounded down to the nearest whole dollar); PLUS
b. Any past due amounts; PLUS
c. Any Easy Payments purchase monthly payment. The monthly payment amount for an Easy Payments purchase will be
equai to the Easy Payments purchase amount plus applicable interest divided by the number of months in the applicable
promotional period.
Your minimum payment will never be more than your new balance. There Is no payment due for a "No Payments + No
Purchase" prior to its expiration date."
Interest if paid in full
Payment Allocation: We are revising our description of the payment allocation method for payments made on your
account. Any payments made after the effective date of this change will be allocated according to the new terms shown
below. The Payment Allocation terms in your Account Agreement will be replaced with the Payment Ailocation terms
shown below. Please keep this important document for your records.
"We will apply the required total minimum payment to balances on your account using any method we choose. Any
payment you make in excess of the required total minimum payment will be applied to higher APR balances before lower
APR balances. Applicable law may require or permit us to apply excess payments in a different manner in certain
promotion." ·
situations, such as when your acco0nt has a certain type of special
Additional Information about the Late Payment Fee change
We are increasing the Late Payment Fee à pplicable to your account to $30 (or $41 if you failed to pay at least the
Minimum Payment Due by the Payment Due Date in any one or more of the prior six Billing Cycles). The Late Payment
Fee terms in your Account Agreement will be replaced with the Late Payment Fee terms shown below. Please keep this
important document for your records.
"We will charge this fee for each billing cycle In which we do not receive the minimum payment due on your account on
the due date in accordance with the requirements set forth on each billing statement. This fee is equal to:
1. $30, if you have paid your minimum payment due by the due date in each of the prior six billing cycles; OR
2. $41, if you have failed to pay your minimum payment due by the due date in any one or more of the prior six billing
cycles.
due."
The late payment fee will never be more than the total minimum payment that was
Additional Information about the Returned Payment Fee change
We are increasing the Returned Payment Fee applicable to your account to $30. The Returned Payment Fee terms in your
existing agreement will be replaced with the Retumed Payment Fee terms shown below. Please keep this important
document for your records.
fee" or "non-sufficient funds fee," if
"We wiii charge this fee, which is sometimes referred to as a "retum check any check,
other instrument, or electronic payment authorization you provide us in payment on your account, is not honored upon
funds." We will not
first presentment for any reason, including if the payment is returned by drawee for "not sufficient
charge this fee if the check, instrument or electronic authorization is later honored. This fee is equal to $30; however, it will
returned."
never be more than the minimum payment due immediately prior to the date on which the payment is
6128 ABJ 001 7 7 221109O 4 of 4
OPAGE 11 92831000PP0501FI6128
FILED: ST. LAWRENCE COUNTY CLERK 11/13/2023 11:36 AM INDEX NO. EFCV-23-165113
NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 11/13/2023
PayPd
CREDE Need More Information?
Statement Closing Date: 06/07/23 View your account online at paypal.com
Days in Billing Period: 28 Or call 1-844-377-4136 8 AM ET to 11 PM ET
Account Number: 5921
Mon-Fri and 9 AM ET to 9 PM ET Sat-Sun
Customer Name: EMILY GlGANTE
ACCOUNT SUMMARY PAYMENTlNFORMATION
PreviousBalance $2,922.29 New Balance . $0.00
- Payments& Credits $2,963.29 Minimum PaymentDue $874.00
+ Purchases& Adjustments $0.00 Payment DueDate 06/09/23
+ Fees $41.00 Amount to avoid Standardand DeferredInterest
+ INTERESTCHARGES $0.00 on your next statement: $2,963.29
= NewBalance $0.00 See Reverse
Late PaymentWarning: If we do notreceiveyourminimumpayment
CreditLimit $2,200.00
by 06/09/23,you may haveto pay a latefee of up to $41.00.
AvailableCredit SO.00
NEWYORKRESIDENTSMAYCONTACTTHE NEWYORK
STATEDEPARTMENTOF FINANCIALSERVICESBY
TELEPHONEOR VISITITSWEBSITEFORFREE
INFORMATIONON COMPARATIVECREDITCARDRATES,
FEES,ANDGRACEPERIODS.NYSTATEDEPTOF
FINANCIALSERVICES:1-800-342-3736
http://www.dfs.ny.gov/consumer/creditdebt.htm
TranDate Number
PostingDate Reference Description Amount
0627/23 06/07/23 F9283004Y00999990 ChargeOffAccount-Principals "$2,047.92
06/07/23 06/07/23 F9283004Y00999990 ChargeOffAccounFinterest -$601.37
Charge
06/07/23 0607/23 F9283004Y00999990 ChargeOffAccount'Fee -$314.00
Chargeoff"
& Credits
TotalPayments -$2,963.29
TranDate PostingDate Descript
Preview
FILED: ST. LAWRENCE COUNTY CLERK 11/13/2023 11:36 AM INDEX NO. EFCV-23-165113 NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 11/13/2023 PayPd CREDR Need More Information? Statement Closing Date: 11/09/22 View your account online at paypal.com Days in Billing Per Or can 1-844-373-4961 8 AM ET to 11 PM ET GlGANTE5®² Mon-Fri and 9 AM ET to 9 PM ET Sat-Sun C s o e N e: EMILY ACCOUNT SUMMARY PAYMENT ....._.............._____.........._..._........_........_....._....._............_....... INFORMATION ..............._........._.--......_.........._......__.........._.._......._.__.__...__.... PreviousBalance $2,016.77 New Balance $2,250.56 - Payments& Credits $40.00 Miniinum PaymentDue $55.00 + Purchases& Adjustments $114.32 PaymentDue Date 12/02/22 + Fees $0.00 Amount to avoid Standardand DeferredInterest + INTERESTCHARGES $159.47 on your next statement: $2,140.29 = NewBalance $2,250.58 .§ee Reyerse Late PaymentWarning: If we do not receiveyourminimumpayment CreditLimit $2,200.00 by 12/02/22,you may haveto pay a latefee of up to $40.00. AvailableCredit OVERLIMIT Minimum PaymentWarning: If you makeonlythe minimum paymenteachperiod,you will pay morein interestand it will takeyou longerto pay off yourbalance.Forexample: Help protectyour PayPalCreditaccountbalancewhenyou typ aloéno " Youjwn ott.t Ahd,ygwr and purchasePaymentSecurity.PaymentSecuritycancoveryour 7 minimummonthlypaymentsor entirebalanceup to $10,000if Ecliiiii WEni a qualifyinglife eventoccurs.Leammoreat ....., www.paypal.com/paypal-credit-payment-security. Only the minimum 10Years $5,/91.00 NEWYORKRESIDENTSMAYCONTACTTHE NEWYORK Payment STATEDEPARTMENTOF FINANCIALSERVICESBY $95.00 3 Years $3,404.00 TELEPHONEOR VISITITSWEBSITEFORFREE (Savings= $2'387.00) INFORMATIONON COMPARATIVECREDITCARDRATES, FEES,ANDGRACEPERIODS.NYSTATEDEPTOF If youwouldlikeinformationaboutcreditcounselingservices,call FINANCIALSERVICES:1-800-342-3736 1-877-302-8775. http://www.dfs.ny.gov/consumer/creditdebt.htm PROMOTIONALEXPIRATIONNOTIFICATION YOUHAVEA DEFERREDINTERESTPROMOTION(S)EXPIRING.YOUMUSTPAYEACHDEFERREDINTEREST PROMOTIONALBALANCEIN FULLBY ITS EXPIRATIONDATETO AVOIDPAYINGACCRUEDINTERESTCHARGES.PLEASE SEETHE DEFERREDINTERESTCALCULATIONSECTIONONTHIS STATEMENTFORFURTHERDETAILS. TranDate PostingDate Reference Number Description Amoun 11/02/22 11/02/22 P928300N301802M2D OnlinePaymentThankYou -$40,00 AlpharettaGa TotalPayments & Credits -$40.00 TranDate PostingDate Reference Number Type Description Amount 10/13/22 10/13/22 P928300MFEHM6MPYV Standard DOORDASHINC $23.41 10/13/22 10/13/22 P928300MHEHM678JZ Standard HULU $7.99 10/16/22 10/16/22 P928300MJEHM6HDSV Standard HOTTOPICINC $14.00 10/18/22 10/18/22 Standard P928300MLEHM6MX57 DOORDASHINC $28,04 10/24/22 10/24/22 P928300MSEHM6MBBA Standard MICROSOFT XBOX $10.79 10/28/22 10/28/22 P928300MZEHM6L450 Standard DOORDASHING $30.09 & Adjustments TotalPurchases S114.32 Current ActivityContinued OnNextPage Wemayconvertyourpayment NOTICE: debit.Seereversefordetails,BillingRightsInformation intoanelectronic information andotherImportant 6128 ABJ 001 7 'I 2211090 1 of 4 OPAGE 11 92831000PPOS o1FI6128 PayPd AccountNumber: 5921 NewBalance: ,250.56 PaymentDue Date: 12/02/22 MakeCheckPayabletoPayPalCredit Minimum PaymentDue: $55.OO Retumthisportionwithyourpayment. Amount Enclosed: Writeyouraccountnumberonyourcheck. Toreceiveelectronio statementsormake onlinepaymentsvisitpaypal.cont PAYPAL CREDIT/SYNCB EMILYGIGANTE POBOX960006 65BECKWrrH ST ORI.ANDO, FL32896-0006 GOUVERNEUR NY13642-1541 I ' ilihmhidillahililillIllalil+dlinilldillmillil ''UUNII 'H''"''' "IIII'INI''InU'll'"'I'U'II'l'I'I FILED: ST. LAWRENCE COUNTY CLERK 11/13/2023 11:36 AM INDEX NO. EFCV-23-165113 MM NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 11/13/2023 Customer Service: Foraccount information, callthenumber ontheimntofthisstatement ForHearing orS each disaMlities useaTRS. Unless your name isfistedontiisstatement, your access toinformation ontheamount maybelimited. You may alsomailquestions (butnotpayments) to:RO.ox9650D4, OrlaIdo, FL3289B-5004. Please includeyouraccount number onanycorrespondence yousend tous. Payments: Send payments totheaddress listedontheremit ofth!s poition statement orpayonlineatwww.paypal.com. gamm Notice: See below foryour BilingRightsandother important information. Purchases, retums, andpayments made justpilor tobilling date may notappear untilnextmonth'sstatement When youprovfde 8check aspayment, youauthorIze useither fouseInformation fem your check tomake aone-time eleclmnic fund transfer from your account ortoprocess thepayment asacheck transaction. When weusemfo'mation fromyourcheck tomake anelechanic fund funds transfer, may be withdrawn imm your account as soon a sthesame day w ereceive yourpayment, and y ou willnot r eceive your check back from your financial You instdution, may choose nottohave yourpayment collectedelectronically bysending yourpayment (withthepayment stub), inyourownenvelope -nottheenclosed vnndow envelope, addressed to:RO.Box 530993, Atlanta, GA3D353-0993 andnotthePayment Address. What ToDolfYou ThinkYou FindAMistake OnYour Statement Payments Made ByPhone OrOnline· Ifyoumake apayment byphone oronlinebefore 11:59 Ifyouthink there isanenor onyour statement, writetousatSynchmny Bank, P,0.Box965003, p.m. Eastem Time, wewillcredit itasofthedate thepayment ismade. Odando, FL328945003 CD oflal Payments: All w ritten communica$ons concemIg disputedamounts, induding any Orcallastomer serviceat1-844-373-4961. check orother payment instrument that( indk:ates thatthe entconstitutes amount' 'payment mfur Ifyouwrite tous,inyourletter, giveusthefollowing information: oristendered asfuD satisfaction ofadisputed or endered withother conditions or . AmSntdixmahr Yourname and accountnumber. limitasons (Disputed Payments'), must bemailed ordelivere tousatP.O. Box965003, Orlando, . Dobramomt The doGaramountof thesuspeded ernx. FL32896-5003. ' . Descn ciRodem:11youmhkthereisanenoronyour bil,descatevhatycub#eve be and Gmdits ToYour Account: Anamount shown in rentheses orpreceded byaminus (-) nisa you behave itisamidake. You mustcontadus wbh60days ab Ene enorappearedonyou ceditor credt balance unless otherwise indicate Credits willbeapplied foyour previous lance amism You must notify of us any potentelenors in or wntingbycaling customer senticeat1-844-373496t upon but immediatelyreceipt,will satisfy not any required payment mat may o e due. While wemvestigate whether ornotthere hasbeen anerror, theidlowing aretrue: Credit Reports AndAccount information: Ifyoubelieve thatwehavereported inactuate . Wecannot tiylocoledthe amountinquestion,orreportyw asdeinquent onthatamount· 'mfounation about youtoaconsumer repolling a. ncyplease contact usatP.O. Box965005, " The charge inquestian may remainonyour statement,ardvemay continue10 charge you irgemston Orlardo, FL32896-5005. Indoing so,please identithemaccurate informationandtelluswhy you thatantunt Bu we f determIe thatwenede amstde, youva rothavelopay theamount inquest'on believe itisinconecUf youhave acopy ofthecred port thatincludes theinaccurate informadon, oranyinhest orcher feeslehdiothstamount please irrJude a copy oft hat report We may leport Information about youraccount tocreditbureaus. " WhFeyoudonothavelopay fearrountinquestion,youarerespSsusf±1heremainderof yourbabnce. Late payments, missed payments, orother deraults onyour account may bereflectedinyour credit . Wecanapplyany unpadarrastagainst you-cnxinml repost. Credit PayIng Interest Wewilnotcharge youanyinterest onnon-promotional transacdons ifyoupay Your Rights IfYou AreDissatisñed WithYour Card PHchases balance month. Please refertotheduedate shown onthefront of Ifyouaredissatislied withthegoods orsendees thatyouhave purchased with your credK card,and your entire bytheduedate each date. problem with t he h ave therightnoito your statement Wewitbegin charging interestonpromotional purchases onthepurchase youhave tried i n laithtocorrectthe you merchant,may paytheremainamount dueonthepurchase. HowWeCalculate Interest Tousethisright,Iofthefollowing must bebue: Wecalcu'ate Interest onyour account foreach cycle billing separately foreach balance type. A 1.Thepuasernusthavebeenmad yourhomesta!ecmibh100mlesolyourcunentmaing address,separate average daily balanceis cabulated forthe folowin balancetypes, plicable: standard ardthapurchase p¬amust havebeen more than (Note· S50. Nehher ofthesearenaessary Iyour purchases, casn advances andpmmotional Sases. eltheaveraos balance, wetake pu asessbased onanadveitsement wemated toyou, ori mown thecanpany thalsdd youthe Ineslarting balance each day,induding bill interest andb edfees, ad(the d yinterest amount godsorservies.) fromtheprevious day, addanynew charges andadjustments, posted thatdayandsubtract any 2.Ycu musthaveusedyourcreditcardf±thepu ase.Puasesmadewihcashadvancesfroman ATMpayments orcredKs (Ireatng anynetcreds balance aszero). This givesusthedaiylbalance. Then, orwhha check thEt accesses card yourcredit a±ount donot qugy. weadd u althedaily balances forthebali deanddivide thetotalbythenumberal days Inthe 3.You mustnot yethree fulypadf±1he pu ase. bEl .Theresult istheaveradaly ance. Wemultiply theaverage dailybalance bythe IfallofthecDtena above aremet andyouaresulldissatisfied with thepurchase, contactusinwñting p! edaily rate to tthedal terest amount Then wemulti plythedaily Inferestamount by atSynchrony Bank mber of d ays in billing etodeterrDe the interestcharges. P.O. Box065003, Orlando, FL32896-5003 AmountTo Avoid Standani AndDeferred interest onYour Noxt Statement Orcallcustomer sennce at1-8443734961. PAYMENT INFORMATIONbox onfront page). WhDe weinvestigab, 1hesame rulesapply tothedisputed amount asdiscussed above. we see After 'samount indudes finish ourinvesdgaton, wewilltelyouourdeds'on. Atthatpoint, ifwethink youowe anamount and Standard Purchases andCash Advances youdonotpaywemay report youasdeinquent Purchases without anypmmotional and oiler Cash Advances. Information About Payments: You ma t anytimepayinwhole orinpat thetotalunpaidDeferred Interest Pumhases Expidng ThisBilling Cycle balance without additional chamo ent Purchases made with 'No Payments +NoInterest ifpaidinful>and'NoInterest Kpaidinfu\T any Payments r emotons that areabout foexpire, Payments Made ByMaH OrMade Vsing ityBillPayService Pmvider Account yments Purchases Plan Payments received after 5:00 p.m. ( nanydaywillbecredded asofthenext day.Credit thePaymentAddress, 10your (b)isnotmade unrelated toavoiding Monthly Standard and Defemxi weinclude Interest, Monthly PlanPayments may bedelayed upto five ifpayment (a)isnotrece|vedat youavoid latefees. Ifyouhave aFinanced Easy Paymenis Purchase Dalance, youwill inU.S. dollars drawn onaU Jnancial institutonlocated IntheU.S, (c)isnotaccompanied bythe tohelp ontheEasy Payments Purchase balance untilit ispaid inmil. remittance coupon attached toyour statement, (d)contains more than one payment orremittance continue tobeassessedinterest coupon, or(s)mdudes paper di staples, ps,tape, afolded check, orc orrespondence ofany type. Your Account isowned and serviced bySynchrony Bank. - 1- 03111/21 01Fl6128 [WF3200090A] Notice: send youmust Ifyoufilebankruty, usnotioM, account induding numberandallinformation related totheproceeding address: tothefollowing Bank,¾tin: Syrchony Bankruptcy Bankruptcy Dept,P.0.Box965065,Odando, FL2896-5065. isanattempt This tocollect adebt andanyInformat!en wNbeused obtained forthatpurpose. number 8telephone onyour youconsent account Bank toSynchrony andanyother owner ofyour orservicer account youabout contacting your account, anycontact using including 'Byproviding systemand/or voice orprerecorded anartilicial when even you, contacting ifyouare orceD Inf±mation phone numbers and youprovide, y ou tothe ofanyautomatic consent use telephonedeling forthecalunder charged your phonephn. Forchanges phone ofaddress, number and/or please email, thebox check andprintthechanges below.Thesechangeswilbe toPayPal applied Cre(GIbut nott PayPal oyour Account Street Address O State City, ZIP Phone # Email ‰ome Phone # 'Business Phone # phone 'Cell#orother # "EmallAddress you wecanusetocontact " youremail youagree communicalions email toreceive about youraccount forustoshare andalsogivepennission withPayPat youremataddress Gredi Byproviding address, FILED: ST. LAWRENCE COUNTY CLERK 11/13/2023 11:36 AM INDEX NO. EFCV-23-165113 NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 11/13/2023 Statement Closing Date: 11/09/22 View your account online at paypal.com Days in Billing Period: 30 Or call 1-844-373-4961 8 AM ET to 11 PM ET Account Number: 5921 Mon-Fri and 9 AM ET to 9 PM ET Sat-Sun Gustomer Name: EMtLY GMANTE TranDate PostingDate Description Amount 11/09/22 11/09/22 Charge "lnterest onPurchases $159.47 TotalInterest $169.47 2022TotalsYear-To-Date _..___........._._....................._.._.-----...._...........--..................._..........-.............._...______... TotalFeesCharged In2022:$29.00 TotalInterestCharged in2022:$183.27 BalanceType AnnualPercentage BalanceSubjectto InterestCharged currentBalance Rate(APR) InterestRate StandardPurchases 26.99%(v) $477.27 $10.59 $515.68 PayPatSendMoneyCashAdvances 26.99%(v) $0.00 $0.00 $0.00 NoInterestIfPaidInFull 26.99%(v) $283.22 $43.97 $274.96 NoInterestIfPaidInFull 26.99%(v) $380.52 $52.47 $428.93 NointerestIf PaidInFull 26.99%(v) $380.52 $52.44 $428.90 (v)=VariableRate PromotionType Pasting AnnualPercentageExpiration MonthlyAccrued TotalAccrued DeferredInterest Date Rate(APR) Date DeferredInterest DeferredInterest Balance NoInterestIf Paidin Full 05/18/22 26.99%(v) 12/02/22* $11.03 $61.61 $491.82* NoInterest11Paid InFull 09/18/22 26.99%(v) 04/02/23* $0.12 $0.20 $5.27 NointerestIf PaidInFull 09/18/22 26.99%(v) 04/02/23* $1.44 $2.52 $64.58* NoInterestIf PaidInFull 09/18/22 26.99%(v) 04/02/23* $0.26 $0.45 $11.41* NoInterest11Paid InFull 09/18/22 28.99%(v) 04/02/23* $0.24 $0.42 $10.87 NoInterestIfPaidInFull 09/18/22 26.99%(v)__DQ02Q3*_____)0.4)_________jQ.,7_1_ ____§1QR__, (v)-VariableRate *Youmust pay your deferred interest balancein full by the expiration date above to avoid paying accrued deferred interest charges ACCOUNTHOLDER NOTICES ___.---..._......---......__.....__............_......__....--...__._......._..---...----....._....______.___._..._.-.._._.__........... PLEASEREADTHE IMPORTANTCHANGE-IN-TERMS NOTICEINCLUDEDONTHISBILLINGSTATEMENT.THISNOTICE MAKESCHANGESTO THECARDHOLDERAGREEMENTGOVERNINGYOURACCOUNT. If you need assistancewith an accommodation for yourstatementsand/oraccountletters,pleasecall 800-292-7508. If you needto contactSynchronyaboutthe lossof a Synchronycardholder,youcan submita deceasednotificationformlocatedat www.syf.comunderthe 'ContactUs' page. PromotionalPurchases:No Interestif Paidin Fullin 6 MonthsInformation Purchasesand Send Moneytransactionsthat areusedin connectionwith a purchaseof goodsand servicesthat are$99 or more may qualifyfor a No Interestif Paidin Fullin 6 Monthspromotion.Underthis promotion,if the promotionalbalanceis not paidin full by the ExpirationDate,interestwill be imposedfromthe purchasedate at a rateof 26.99%.If a (v) is shownafteryour APRin the Interest Detailssectionof this billingstatement,theAPRis a variablerateandwill vary withthe marketbasedon the PrimeRate.Minimum monthlypaymentsare required. SynchronyBankmay continueto obtaininformation,includingemploymentandincomeinformationfromothersaboutyou (including requestingreportsfrom consumerreportingagenciesandother sources)to review,maintainor collectyouraccount. Youraccountis over its creditlimit.Pleasepay the amountby whichyour balanceexceedsthe creditlimitplusthe minimumpayment due.If you havealreadysentus this payment,thankyou. Your account is over its credit limit. Please pay the amount by which your balanceexceedsthe credit limit plus the minimum payment due. If you have already sent us this payment, thank you. 6128 ABJ 001 7 7 2211090 OPAGE 2 of 4 11 92831000PP0501FI6128 FILED: ST. LAWRENCE COUNTY CLERK 11/13/2023 11:36 AM INDEX NO. EFCV-23-165113 NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 11/13/2023 The following is a summary of changes that are being made to your account terms. Unless otherwise noted, these changes will take effect on 01/10/23. For more information about the changes being made to your account, please see below. Late Up to $4 f. Payment Fee Returned Up to $30. Payment Fee Minimum Payment Calculation: We are increasing the total minimum payment on your account. The Minimum Payment Calculation terms in your Account Agreement will be replaced with the Minimum Payment Calculation terms shown below. Please keep this important document for your records. "Your minimum payment is calculated as follows. The sum of: a. For the new balance shown on your billing statement (excluding any Easy Payments purchase balance), the greater of: (i) $30, or $41 if you have failed to pay the minimum payment due by the due date in any one or more of the prior six billing cycles; or (ii) The sum of 1% of such new balance (rounded down to the nearest whole dollar), plus interest (excluding any accrued interest on a deferred interest purchase billed in that billing cycle), late payment fees and returned payment fees charged in the current billing cycle (rounded down to the nearest whole dollar); PLUS b. Any past due amounts; PLUS c. Any Easy Payments purchase monthly payment. The monthly payment amount for an Easy Payments purchase will be equai to the Easy Payments purchase amount plus applicable interest divided by the number of months in the applicable promotional period. Your minimum payment will never be more than your new balance. There Is no payment due for a "No Payments + No Purchase" prior to its expiration date." Interest if paid in full Payment Allocation: We are revising our description of the payment allocation method for payments made on your account. Any payments made after the effective date of this change will be allocated according to the new terms shown below. The Payment Allocation terms in your Account Agreement will be replaced with the Payment Ailocation terms shown below. Please keep this important document for your records. "We will apply the required total minimum payment to balances on your account using any method we choose. Any payment you make in excess of the required total minimum payment will be applied to higher APR balances before lower APR balances. Applicable law may require or permit us to apply excess payments in a different manner in certain promotion." · situations, such as when your acco0nt has a certain type of special Additional Information about the Late Payment Fee change We are increasing the Late Payment Fee à pplicable to your account to $30 (or $41 if you failed to pay at least the Minimum Payment Due by the Payment Due Date in any one or more of the prior six Billing Cycles). The Late Payment Fee terms in your Account Agreement will be replaced with the Late Payment Fee terms shown below. Please keep this important document for your records. "We will charge this fee for each billing cycle In which we do not receive the minimum payment due on your account on the due date in accordance with the requirements set forth on each billing statement. This fee is equal to: 1. $30, if you have paid your minimum payment due by the due date in each of the prior six billing cycles; OR 2. $41, if you have failed to pay your minimum payment due by the due date in any one or more of the prior six billing cycles. due." The late payment fee will never be more than the total minimum payment that was Additional Information about the Returned Payment Fee change We are increasing the Returned Payment Fee applicable to your account to $30. The Returned Payment Fee terms in your existing agreement will be replaced with the Retumed Payment Fee terms shown below. Please keep this important document for your records. fee" or "non-sufficient funds fee," if "We wiii charge this fee, which is sometimes referred to as a "retum check any check, other instrument, or electronic payment authorization you provide us in payment on your account, is not honored upon funds." We will not first presentment for any reason, including if the payment is returned by drawee for "not sufficient charge this fee if the check, instrument or electronic authorization is later honored. This fee is equal to $30; however, it will returned." never be more than the minimum payment due immediately prior to the date on which the payment is 6128 ABJ 001 7 7 221109O 4 of 4 OPAGE 11 92831000PP0501FI6128 FILED: ST. LAWRENCE COUNTY CLERK 11/13/2023 11:36 AM INDEX NO. EFCV-23-165113 NYSCEF DOC. NO. 11 RECEIVED NYSCEF: 11/13/2023 PayPd CREDE Need More Information? Statement Closing Date: 06/07/23 View your account online at paypal.com Days in Billing Period: 28 Or call 1-844-377-4136 8 AM ET to 11 PM ET Account Number: 5921 Mon-Fri and 9 AM ET to 9 PM ET Sat-Sun Customer Name: EMILY GlGANTE ACCOUNT SUMMARY PAYMENTlNFORMATION PreviousBalance $2,922.29 New Balance . $0.00 - Payments& Credits $2,963.29 Minimum PaymentDue $874.00 + Purchases& Adjustments $0.00 Payment DueDate 06/09/23 + Fees $41.00 Amount to avoid Standardand DeferredInterest + INTERESTCHARGES $0.00 on your next statement: $2,963.29 = NewBalance $0.00 See Reverse Late PaymentWarning: If we do notreceiveyourminimumpayment CreditLimit $2,200.00 by 06/09/23,you may haveto pay a latefee of up to $41.00. AvailableCredit SO.00 NEWYORKRESIDENTSMAYCONTACTTHE NEWYORK STATEDEPARTMENTOF FINANCIALSERVICESBY TELEPHONEOR VISITITSWEBSITEFORFREE INFORMATIONON COMPARATIVECREDITCARDRATES, FEES,ANDGRACEPERIODS.NYSTATEDEPTOF FINANCIALSERVICES:1-800-342-3736 http://www.dfs.ny.gov/consumer/creditdebt.htm TranDate Number PostingDate Reference Description Amount 0627/23 06/07/23 F9283004Y00999990 ChargeOffAccount-Principals "$2,047.92 06/07/23 06/07/23 F9283004Y00999990 ChargeOffAccounFinterest -$601.37 Charge 06/07/23 0607/23 F9283004Y00999990 ChargeOffAccount'Fee -$314.00 Chargeoff" & Credits TotalPayments -$2,963.29 TranDate PostingDate Descript