Preview
FILED: WESTCHESTER COUNTY CLERK 03/05/2024 09:22 AM INDEX NO. 58020/2024
NYSCEF DOC. NO.
American 2
Airlines RECEIVED NYSCEF: 03/05/2024
AAdvantage® Aviator® Mastercard®
Red Statement
AAdvantage
CRYSTAL DASH |Account 7001 |statement Period 05/05/23 - 06/04/23 Page 1 of 5
Ending
Account Activity Payment Information
Previous Balance as of 05/05/23 $6,478.80 Statement Balance: $6,686.08
Payments - $0.00 Minimum Payment Due: $1,872.62
Fees Charged + $40.00 Payment Due Date: 07/01/23
Interest Charged + $167.28 Late Payment Warning: If we do not receive your minimum payment by the
Statement Balance as of 06/04/23 = $6,686.08 date listed above, you may have to pay a late fee of up to $40.00.
Past Due = $1,600.56 Minimum Payment Warning: If you make only the minimum payment each
º APR Details begin on page 3 in the Interest Charge period, you will pay more in interest and it will take you longer to pay off your
Calculation section. balance. For example:
Transaction details begin on page 3.
If you make no additional You will pay off the And you will end up
charges using this card balance shown on this paying an estimated
Credit Line and each month you pay... statement in about... total of...
Total Revolving Credit Line $0.00
Only the minimum 19 years $17,749.00
Includes $0.00 cash advance line payment
Available Revolving Credit Line $0.00
as of 06/04/23 º If you would like information about credit counseling services, please call 800-570-1403.
Available for cash advances $0.00 Repayment information based on activity and APRson your account as of the dosing date.
Overlimit Amount $1,286.08
IMPORTANT INFORMATION FOR RESIDENTS OF NEW YORK If you have questions
about the terms of your account call Barclaysat 866-928-3075. New York residents may contact the
Miles New York State Department of FinancialServicesby telephone (800) 342-3736, or visit its website,
Summary
www. .ny.gov, for free information on comparative credit card rates, fees and grace periads.
Total Miles Sent to American Airlines
0 PAST DUE: Your account is PastDue. Paymentof the past due amount of $1,600.56 is due
AAdvantage Program
º For details see page 5 immediately. This past due amount has been added to your minimum payment due.
OVERLIMIT: Your account is over the credit line. Paymentof the amount over your credit line is due
immediately to bring your account current.
SEE INSIDE: You may haveadditional important messagesinside.
NOTICE:SEEREVERSE
SIDEOR ENDOF STATEMENTFORIMPORTANTINFORMATION
Waysto pay: Ù AviatorMastercard.mm BardaysMobileApp 866-928-3075
Statement Balance as of 06/04/23: (account ending 7001) $6,686.08
AmericarlAirlirles
Minimum Payment Due: (includes $1,600.56 past due amount) $1,872.62
AAdvantage
Payment Due Date: 07/01/23
Amount Enclosed: $ ,
Makecheckpayade to Barclays.AHow7-10daysfor USPS
delivery.
Barclays
POBOX13337
CRYSTALDASH
PHILADELPHIA
PA 19101-3337
APT 1005
1 SHEARWOODPL
NEWROCHELLE NY 10801-6616
Check
foraddress,
emailandphone
changes.
Complete
formontheback.
1 of 6
FILED: WESTCHESTER COUNTY CLERK 03/05/2024 09:22 AM INDEX NO. 58020/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 03/05/2024
Important Information BARCIAYS
Page 2 of 5
Information About Credit Bureau Reporting: We may report information about your Mobile: To download the BardaysMobile App, text MOBILEto 60956.*
accountto credit bureaus. Late payments, missed payments, or other defaults on your Phone:Call us at 856-928-3075 and we will processyour payment.
account may be reflected in your credit report.
All paymentsmadevia web, mobile app or pay by phone by 11:59 p.m. ETwill be credited
Annual Fee. If your account has an annual fee, it will be billed eachyear. We will give you to your account that sameday.
advancenotice on your billing statement prior to the assessmentof the annual fee. You may
chooseto call us at 856-928-3075 within 45 daysof receiving such notice to discuss *Message and data rates mayapply basedon your mobile carrier.
altemative products that may be available or to close your account so that the fee will not
be billed. If your account is closed, any outstanding reward points or miles on your account Ovemight Payments: Send ovemight courier serviceor U.S.P.S.Priority Mail paymentsto
may be forfeited at that time. Paymentof the annual fee does not affect our ability to dose Card Services,400 White Clay Center Drive, Newark, DE19711. A payment receivedat this
your account and/or to limit your transactions. address by 5 p.m. ETthat otherwise meetsthe requirements of a conforming payment will
be credited to your accountthat same day.
Lost or Stolen Card: Your credit card is issued by Bardays BankDelaware. If your card is
lost or stolen, pleasecontact us immediately at 866-928-3075 at any time. "
How We Will Calculate Interest. We use a method called "daily balance (including new
Rate."
purchases).We calculate interest separatelyfor each "Balance Subjectto Interest
Payment Irformation: Eachbilling cyde, you must pay at least the Minimum PaymentDue Theseindude for example, Purchasesat the current rate, BalanceTransfersat the current
shown on your monthly statement by its PaymentDue Date. Both the Minimum Payment rate, CashAdvancesat the current rate, and different promotional balances.Your monthly
Due and PaymentDue Date are noted on your statement and on your home page when you Rate."
billing statement shows each "Balance Subjectto Interest
login to AviatorMastercard.com. At any time you may pay more than the Minimum Payment
Due up to the full amount you owe us, however you cannot "pay ahead". This meansthat if To calculate interest, we first calculate a daily balancefor each BalanceSubjectto Interest
you pay more than the required Minimum PaymentDue in any billing cycleor if you make Rate.We start with the balance,for that BalanceSubjectto Interest Rate, as of the end of
more than one payment in a billing cyde, you will still need to pay the next month's the previousday. We add any interest calculated on the previousday's balance.(This means
required Minimum PaymentDue by your next PaymentDue Date. Rememberto make all interest is compounded daily). We add any new Purchases,BalanceTransfersor Cash
checkspayableto Bardays.Pleaseallow 7 to 10 daysfor the U.S. Postal Service to Advancesto the appropriate balance,subtract any new paymentsor credits from the
deliver your payment to us. Upon our receipt, your available credit may not be appropriate balance, and make other adjustments.A credit balanceis treated as a balance
increased by the payment amount for up to 7 days to ensure the funds from the bank of zero. We then multiply each daily balance by the applicable daily periodic rate. We do this
on which your payment is drawn are collected and not returned. When you provide a for each day in the billing period. That gives us the daily interest. We add up all the daily
check as payment on this Account, you authorize usto either use the information from your interest for all of the daily balancesto get the total interest for the billing period.
checkto make a one-time electronic fund transfer from your account or to processthe
payment as a check transaction. When we use information from your checkto make an Accrual of Interest and How to Avoid Paying Interest on Purchases.Your due date is at
electronic fund transfer, funds may be withdrawn from your account as soon as the same least 23 daysafter the dose of each billing cycle. On Purchases,interest beginsto accrueas
day we receiveyour payment, and you will not receiveyour check back from your financial of the transaction date. However, you can avoid paying interest if you pay your Purchases
institution. For inquiries, pleasecall 866-928-3075. subject to interest (exduding EasyPayOffers) plus any monthly EasyPayPaymentAmount in
full by the PaymentDue Date every month.
Mailed Payments: A conforming payment received by us by 5:00 p.m. ETwill be credited to
payment"
your accountthe day of receipt. A "conforming is a paymentthat: 1) is mailed If you do not pay your Purchasessubject to interest (excluding EasyPayOffers) plus any
with the payment coupon induded with this statement or printed from monthly EasyPay PaymentAmount by the due date each month, you will pay interest on
AviatorMastercard.comto Bardays, P.O.Box 13337 Philadelphia, PA 19101-3337; and 2) is those purchasesfrom the date they are postedto your account until the date you pay those
in the form of a single, non-folded checkor money order made payablein U.S.dollars from Purchasesin full. When those Purchases(excluding EasyPayOffers) are paid in full, your
a U.S.basedinstitution. Any payment that does not meet these requirements, or any next statement will indude interest accruedfrom the first day of that statement period until
payment with multiple checksor money orders, additional correspondence,staples, the date your payment in full was received.
paperdips, etc. will be considereda "non-conforming payment", which may delay the
crediting of the paymentfor up to 5 days. Purchasesthat are enrolled in an EasyPayOffer will be charged interest in accordancewith
the plan as disclosedat enrollment.
Other Payment Options:
W_eb:Visit AviatorMastercard.comto set up your payments. If you have Purchasebalanceswith a 0% promotional APR, you can avoid paying interest on
Continued on Page 4
Make Changes to your contact information below
I I
Name
Address
City State Zip
I I
Home Phone Work Phone
Email Address
I I
2 of 6
FILED: WESTCHESTER COUNTY CLERK 03/05/2024 09:22 AM INDEX NO. 58020/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 03/05/2024
AAdvantage® Aviator® Mastercard®
Red Statement
CRYSTAL DASH |Account 7001 |statement Period 05/05/23 - 06/04/23 Page 3 of 5
Ending
Transactions
Transaction Date Posting Date Description Miles Amount
Payments
No Payment Received $0.00
Total payments for this period N/A $0.00
Purchase Activity for CRYSTAL DASH card ending 7001
No Transaction Activity at This Time $0.00
Total purchase activity for this period N/A $0.00
To see activity after this statement period, visit AviatorMastercard.com
Fees and Interest
Transaction Date Posting Date Description Amount
Fees Charged
Jun 01 Jun 01 LATE PAYMENT FEE $40.00
Total fees for this period $40.00
Interest Charged
Jun 04 Jun 04 Interest Charge On Purchases $165.07
Jun 04 Jun 04 Interest Charge On Cash Advances $2.21
Total interest for this period $167.28
2023 Year-to-Date Totals
Total fees charged in 2023 $240.00
Total interest charged in 2023 $897.77
This Year-to-date summary reflects the Feesand Interest charged on billing statements with closing dates in 2023, and
does not reflect any subsequent fee and/or interest adjustments.
Interest Charge Calculation Days in Billing Cycle : 31
Promotional Balance Subject Annual Percentage Interest
Type of Balance Rate End Date to Interest Rate Rate (APR) Charge
Purchases
Standard Purchases - $6,477.80 29.99%(v) $165.07
Balance Transfers
Standard Balance Transfers/Checks - $0.00 29.99%(v) $0.00
Cash Advances
Standard Cash Advance - $86.68 29.99%(v) $2.21
Total $167.28
Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate that varies with the market based on the Prime Rate.
Seethe "Important Information" section of this statement for more information about how we calculate interest.
Visit AviatorMastercard.com or use the Barclays Mobile App
3 of 6
FILED: WESTCHESTER COUNTY CLERK 03/05/2024 09:22 AM INDEX NO. 58020/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 03/05/2024
IP BARCIAYS
Page 4 of 5
those Purchasebalancesduring the promotional period. (However, to avoid a late fee, pay remainder of your balance.
at least your Minimum PaymentDue.) " We can apply any unpaid amount against your credit limit.
If you have a 0% promotional APR offer(s) on your Account, you can avoid paying interest Your Rights If You Are Dissatisfied With Your Credit Card Purchases
on Purchasessubject to interest without paying your Statement Balancein full. If this If you are dissatisfiedwith the goods or servicesthat you have purchasedwith your credit
"
appliesto your Account, you will see a Paragraphentitled Avoiding Interest on Purchases card, and you havetried in good faith to correct the problem with the merchant, you may
(Grace Period) (ExcludingEasyPayPromotional Balances") appearing directly below the havethe right not to pay the remaining amount due on the purchase.
Interest ChargeCalculationsection on the front of this Statement. Thiswill show the
amount you can pay by the PaymentDue Date and still avoid interest chargeson your To use this right, all of the following must be true:
Purchasessubject to interest balance.Thisamount may differ from your Statement Balance.
It may differ if you have certain promotional APR balances,and the nonpayment of these 1. The purchasemust have been made in your home state or within 100 miles of your
balanceswill not affect your grace period on Purchases,provided you pay all other balances current mailing address,and the purchaseprice must have been more than $50.
on your account. (However, to avoid a late fee, pay at least your Minimum Payment Due.) (Note: Neither of these are necessaryif your purchasewas basedon an advertisement
we mailed to you, or if we own the company that sold you the goods or services.)
For BalanceTransfers,interest will accruefrom the transaction date which generally will be 2. You must have usedyour credit card for the purchase. Purchasesmade with cash
the day the payeeacceptsthe Check.For CashAdvances, interest will accruefrom the advancesfrom an ATM or with a check that accessesyour credit card account do not
transaction date which generally will be the day you take the CashAdvance. Pleasenote qualify.
that purchasesof Cash Equivalents,which include money orders, travelers checks,foreign 3. You must not yet have fully paid for the purchase.
currency, lottery tickets, gambling chips and wire transfers, are treated as CashAdvances
and do not have a grace period. Seeyour CardmemberAgreement for more information. If all of the criteria above are met and you are still dissatisfiedwith the purchase, contact us
in writing at:
Minimum Interest Charge: This fee, if imposed, appearsin the Summaryof Feesas a
Charge" "
"Minimum Interest or "Minimum Charge. CardServices
P.O.Box8802
Limit"
No Pre-Set Spending Limit: "No Pre-SetSpending does not mean unlimited Wilmington, DE19899-8802.
spending, it meanswe may permit you from time to time at our discretion to make certain
chargesthat will causeyour outstanding balanceto exceedyour revolving credit line. Any While we investigate, the same rules apply to the disputed amount as discussedabove.
such charge will be consideredon an individual basisand such evaluation will be basedon After we finish our investigation, we will tell you our decision.At that point, if we think you
your account spending and payment history as well asyour experiencewith other creditors. owe an amount and you do not pay, we may report you as delinquent.
If you exceedyour revolving credit line, then you must pay, with your Minimum Payment
Due, the amount by which your balanceexceedsyour revolving credit line, including Pleaserefer to your CardmemberAgreement for additional information about the terms of
amounts due to Purchases,CashAdvances, Interest charges, Fees,or other charges. your Account.
Credit Bureau Disputes: If you believethat an entry we have made on your credit bureau °2023 BarclaysBank Delaware, member FDIC
report is inaccurateor incomplete, pleasecontact the reporting agencydirectly or contact us
at Card Services,P.O.Box8803 Wilmington, DE19899-8801. Pleaseindude your name;
your account number; the credit reporting agency where you receivedthe bureau report; a
description of the error; and why you believe it is an error. We will promptly investigate,
notify you of our findings, and send an update to the credit bureausif warranted within 30
days.
What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:
CardServices
P.O.Box8802
Wilmington, DE19899-8802.
In your letter, give us the following information:
" Account irformation: Your name and account number.
" Dollar amount: The dollar amount of the suspectederror.
" Description of problem: If you think there is an error on your bill, describewhat you
believe is wrong and why you believe it is a mistake.
You must contact us within 60 days after the error appearedon your statement.
You must notify us of any potential errors in writing. You may call us, but if you do we are
not required to investigate any potential errors and you may haveto pay the amount in
question.
While we investigate whether or not there has been an error, the following are true:
" We cannot try to collect the amount in question, or report you as delinquent on that
amount.
" The charge in question may remain on your statement, and we may continue to
chargeyou interest on that amount. But, if we determine that we made a mistake,
you will not haveto pay the amount in question or any interest or other fees related
to that amount.
" While you do not haveto pay the amount in question, you are responsiblefor the
Visit AviatorMastercard.com or use the Bardays Mobile App
4 of 6
FILED: WESTCHESTER COUNTY CLERK 03/05/2024 09:22 AM INDEX NO. 58020/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 03/05/2024
AAdvantage® Aviator® Mastercard®
Red Statement
CRYSTAL DASH |Account 7001 |statement Period 05/05/23 - 06/04/23 Page 5 of 5
Ending
Avoiding Interest on Purchases (Grace Period) (Excluding Easy Pay Promotional Balances):
If you have a 0% promotional APRon any of your Purchasebalances(exduding EasyPay),you can avoid paying interest on those balancesduring the applicable promotional period.
However, pay at least your Minimum PaymentDue to avoid a late fee.
If you do not carry a Purchasebalancesubject to interest (exduding EasyPay)from month to month, you can avoid paying interest on your Purchases(exduding EasyPay)by paying
$6,686.08. To avoid interest, you must pay the amount indicated above in full.
If you carry a Purchasebalancesubject to interest (exduding EasyPay)from month to month, interest will accruefrom the date the purchaseis made until the date it is paid in full. The
amount shown above does not indude any interest that may have accruedsince your statement period end date. Bardays may choose not to assessinterest that accruedsince your last
statement period end date if it is below a certain amount.
Miles Details
Miles earned on American Airlines purchases 0
Visit AviatorMastercard.com or use the Barclays Mobile App
5 of 6
FILED: WESTCHESTER COUNTY CLERK 03/05/2024 09:22 AM INDEX NO. 58020/2024
NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 03/05/2024
6 of 6
Preview
FILED: WESTCHESTER COUNTY CLERK 03/05/2024 09:22 AM INDEX NO. 58020/2024 NYSCEF DOC. NO. American 2 Airlines RECEIVED NYSCEF: 03/05/2024 AAdvantage® Aviator® Mastercard® Red Statement AAdvantage CRYSTAL DASH |Account 7001 |statement Period 05/05/23 - 06/04/23 Page 1 of 5 Ending Account Activity Payment Information Previous Balance as of 05/05/23 $6,478.80 Statement Balance: $6,686.08 Payments - $0.00 Minimum Payment Due: $1,872.62 Fees Charged + $40.00 Payment Due Date: 07/01/23 Interest Charged + $167.28 Late Payment Warning: If we do not receive your minimum payment by the Statement Balance as of 06/04/23 = $6,686.08 date listed above, you may have to pay a late fee of up to $40.00. Past Due = $1,600.56 Minimum Payment Warning: If you make only the minimum payment each º APR Details begin on page 3 in the Interest Charge period, you will pay more in interest and it will take you longer to pay off your Calculation section. balance. For example: Transaction details begin on page 3. If you make no additional You will pay off the And you will end up charges using this card balance shown on this paying an estimated Credit Line and each month you pay... statement in about... total of... Total Revolving Credit Line $0.00 Only the minimum 19 years $17,749.00 Includes $0.00 cash advance line payment Available Revolving Credit Line $0.00 as of 06/04/23 º If you would like information about credit counseling services, please call 800-570-1403. Available for cash advances $0.00 Repayment information based on activity and APRson your account as of the dosing date. Overlimit Amount $1,286.08 IMPORTANT INFORMATION FOR RESIDENTS OF NEW YORK If you have questions about the terms of your account call Barclaysat 866-928-3075. New York residents may contact the Miles New York State Department of FinancialServicesby telephone (800) 342-3736, or visit its website, Summary www. .ny.gov, for free information on comparative credit card rates, fees and grace periads. Total Miles Sent to American Airlines 0 PAST DUE: Your account is PastDue. Paymentof the past due amount of $1,600.56 is due AAdvantage Program º For details see page 5 immediately. This past due amount has been added to your minimum payment due. OVERLIMIT: Your account is over the credit line. Paymentof the amount over your credit line is due immediately to bring your account current. SEE INSIDE: You may haveadditional important messagesinside. NOTICE:SEEREVERSE SIDEOR ENDOF STATEMENTFORIMPORTANTINFORMATION Waysto pay: Ù AviatorMastercard.mm BardaysMobileApp 866-928-3075 Statement Balance as of 06/04/23: (account ending 7001) $6,686.08 AmericarlAirlirles Minimum Payment Due: (includes $1,600.56 past due amount) $1,872.62 AAdvantage Payment Due Date: 07/01/23 Amount Enclosed: $ , Makecheckpayade to Barclays.AHow7-10daysfor USPS delivery. Barclays POBOX13337 CRYSTALDASH PHILADELPHIA PA 19101-3337 APT 1005 1 SHEARWOODPL NEWROCHELLE NY 10801-6616 Check foraddress, emailandphone changes. Complete formontheback. 1 of 6 FILED: WESTCHESTER COUNTY CLERK 03/05/2024 09:22 AM INDEX NO. 58020/2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 03/05/2024 Important Information BARCIAYS Page 2 of 5 Information About Credit Bureau Reporting: We may report information about your Mobile: To download the BardaysMobile App, text MOBILEto 60956.* accountto credit bureaus. Late payments, missed payments, or other defaults on your Phone:Call us at 856-928-3075 and we will processyour payment. account may be reflected in your credit report. All paymentsmadevia web, mobile app or pay by phone by 11:59 p.m. ETwill be credited Annual Fee. If your account has an annual fee, it will be billed eachyear. We will give you to your account that sameday. advancenotice on your billing statement prior to the assessmentof the annual fee. You may chooseto call us at 856-928-3075 within 45 daysof receiving such notice to discuss *Message and data rates mayapply basedon your mobile carrier. altemative products that may be available or to close your account so that the fee will not be billed. If your account is closed, any outstanding reward points or miles on your account Ovemight Payments: Send ovemight courier serviceor U.S.P.S.Priority Mail paymentsto may be forfeited at that time. Paymentof the annual fee does not affect our ability to dose Card Services,400 White Clay Center Drive, Newark, DE19711. A payment receivedat this your account and/or to limit your transactions. address by 5 p.m. ETthat otherwise meetsthe requirements of a conforming payment will be credited to your accountthat same day. Lost or Stolen Card: Your credit card is issued by Bardays BankDelaware. If your card is lost or stolen, pleasecontact us immediately at 866-928-3075 at any time. " How We Will Calculate Interest. We use a method called "daily balance (including new Rate." purchases).We calculate interest separatelyfor each "Balance Subjectto Interest Payment Irformation: Eachbilling cyde, you must pay at least the Minimum PaymentDue Theseindude for example, Purchasesat the current rate, BalanceTransfersat the current shown on your monthly statement by its PaymentDue Date. Both the Minimum Payment rate, CashAdvancesat the current rate, and different promotional balances.Your monthly Due and PaymentDue Date are noted on your statement and on your home page when you Rate." billing statement shows each "Balance Subjectto Interest login to AviatorMastercard.com. At any time you may pay more than the Minimum Payment Due up to the full amount you owe us, however you cannot "pay ahead". This meansthat if To calculate interest, we first calculate a daily balancefor each BalanceSubjectto Interest you pay more than the required Minimum PaymentDue in any billing cycleor if you make Rate.We start with the balance,for that BalanceSubjectto Interest Rate, as of the end of more than one payment in a billing cyde, you will still need to pay the next month's the previousday. We add any interest calculated on the previousday's balance.(This means required Minimum PaymentDue by your next PaymentDue Date. Rememberto make all interest is compounded daily). We add any new Purchases,BalanceTransfersor Cash checkspayableto Bardays.Pleaseallow 7 to 10 daysfor the U.S. Postal Service to Advancesto the appropriate balance,subtract any new paymentsor credits from the deliver your payment to us. Upon our receipt, your available credit may not be appropriate balance, and make other adjustments.A credit balanceis treated as a balance increased by the payment amount for up to 7 days to ensure the funds from the bank of zero. We then multiply each daily balance by the applicable daily periodic rate. We do this on which your payment is drawn are collected and not returned. When you provide a for each day in the billing period. That gives us the daily interest. We add up all the daily check as payment on this Account, you authorize usto either use the information from your interest for all of the daily balancesto get the total interest for the billing period. checkto make a one-time electronic fund transfer from your account or to processthe payment as a check transaction. When we use information from your checkto make an Accrual of Interest and How to Avoid Paying Interest on Purchases.Your due date is at electronic fund transfer, funds may be withdrawn from your account as soon as the same least 23 daysafter the dose of each billing cycle. On Purchases,interest beginsto accrueas day we receiveyour payment, and you will not receiveyour check back from your financial of the transaction date. However, you can avoid paying interest if you pay your Purchases institution. For inquiries, pleasecall 866-928-3075. subject to interest (exduding EasyPayOffers) plus any monthly EasyPayPaymentAmount in full by the PaymentDue Date every month. Mailed Payments: A conforming payment received by us by 5:00 p.m. ETwill be credited to payment" your accountthe day of receipt. A "conforming is a paymentthat: 1) is mailed If you do not pay your Purchasessubject to interest (excluding EasyPayOffers) plus any with the payment coupon induded with this statement or printed from monthly EasyPay PaymentAmount by the due date each month, you will pay interest on AviatorMastercard.comto Bardays, P.O.Box 13337 Philadelphia, PA 19101-3337; and 2) is those purchasesfrom the date they are postedto your account until the date you pay those in the form of a single, non-folded checkor money order made payablein U.S.dollars from Purchasesin full. When those Purchases(excluding EasyPayOffers) are paid in full, your a U.S.basedinstitution. Any payment that does not meet these requirements, or any next statement will indude interest accruedfrom the first day of that statement period until payment with multiple checksor money orders, additional correspondence,staples, the date your payment in full was received. paperdips, etc. will be considereda "non-conforming payment", which may delay the crediting of the paymentfor up to 5 days. Purchasesthat are enrolled in an EasyPayOffer will be charged interest in accordancewith the plan as disclosedat enrollment. Other Payment Options: W_eb:Visit AviatorMastercard.comto set up your payments. If you have Purchasebalanceswith a 0% promotional APR, you can avoid paying interest on Continued on Page 4 Make Changes to your contact information below I I Name Address City State Zip I I Home Phone Work Phone Email Address I I 2 of 6 FILED: WESTCHESTER COUNTY CLERK 03/05/2024 09:22 AM INDEX NO. 58020/2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 03/05/2024 AAdvantage® Aviator® Mastercard® Red Statement CRYSTAL DASH |Account 7001 |statement Period 05/05/23 - 06/04/23 Page 3 of 5 Ending Transactions Transaction Date Posting Date Description Miles Amount Payments No Payment Received $0.00 Total payments for this period N/A $0.00 Purchase Activity for CRYSTAL DASH card ending 7001 No Transaction Activity at This Time $0.00 Total purchase activity for this period N/A $0.00 To see activity after this statement period, visit AviatorMastercard.com Fees and Interest Transaction Date Posting Date Description Amount Fees Charged Jun 01 Jun 01 LATE PAYMENT FEE $40.00 Total fees for this period $40.00 Interest Charged Jun 04 Jun 04 Interest Charge On Purchases $165.07 Jun 04 Jun 04 Interest Charge On Cash Advances $2.21 Total interest for this period $167.28 2023 Year-to-Date Totals Total fees charged in 2023 $240.00 Total interest charged in 2023 $897.77 This Year-to-date summary reflects the Feesand Interest charged on billing statements with closing dates in 2023, and does not reflect any subsequent fee and/or interest adjustments. Interest Charge Calculation Days in Billing Cycle : 31 Promotional Balance Subject Annual Percentage Interest Type of Balance Rate End Date to Interest Rate Rate (APR) Charge Purchases Standard Purchases - $6,477.80 29.99%(v) $165.07 Balance Transfers Standard Balance Transfers/Checks - $0.00 29.99%(v) $0.00 Cash Advances Standard Cash Advance - $86.68 29.99%(v) $2.21 Total $167.28 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate that varies with the market based on the Prime Rate. Seethe "Important Information" section of this statement for more information about how we calculate interest. Visit AviatorMastercard.com or use the Barclays Mobile App 3 of 6 FILED: WESTCHESTER COUNTY CLERK 03/05/2024 09:22 AM INDEX NO. 58020/2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 03/05/2024 IP BARCIAYS Page 4 of 5 those Purchasebalancesduring the promotional period. (However, to avoid a late fee, pay remainder of your balance. at least your Minimum PaymentDue.) " We can apply any unpaid amount against your credit limit. If you have a 0% promotional APR offer(s) on your Account, you can avoid paying interest Your Rights If You Are Dissatisfied With Your Credit Card Purchases on Purchasessubject to interest without paying your Statement Balancein full. If this If you are dissatisfiedwith the goods or servicesthat you have purchasedwith your credit " appliesto your Account, you will see a Paragraphentitled Avoiding Interest on Purchases card, and you havetried in good faith to correct the problem with the merchant, you may (Grace Period) (ExcludingEasyPayPromotional Balances") appearing directly below the havethe right not to pay the remaining amount due on the purchase. Interest ChargeCalculationsection on the front of this Statement. Thiswill show the amount you can pay by the PaymentDue Date and still avoid interest chargeson your To use this right, all of the following must be true: Purchasessubject to interest balance.Thisamount may differ from your Statement Balance. It may differ if you have certain promotional APR balances,and the nonpayment of these 1. The purchasemust have been made in your home state or within 100 miles of your balanceswill not affect your grace period on Purchases,provided you pay all other balances current mailing address,and the purchaseprice must have been more than $50. on your account. (However, to avoid a late fee, pay at least your Minimum Payment Due.) (Note: Neither of these are necessaryif your purchasewas basedon an advertisement we mailed to you, or if we own the company that sold you the goods or services.) For BalanceTransfers,interest will accruefrom the transaction date which generally will be 2. You must have usedyour credit card for the purchase. Purchasesmade with cash the day the payeeacceptsthe Check.For CashAdvances, interest will accruefrom the advancesfrom an ATM or with a check that accessesyour credit card account do not transaction date which generally will be the day you take the CashAdvance. Pleasenote qualify. that purchasesof Cash Equivalents,which include money orders, travelers checks,foreign 3. You must not yet have fully paid for the purchase. currency, lottery tickets, gambling chips and wire transfers, are treated as CashAdvances and do not have a grace period. Seeyour CardmemberAgreement for more information. If all of the criteria above are met and you are still dissatisfiedwith the purchase, contact us in writing at: Minimum Interest Charge: This fee, if imposed, appearsin the Summaryof Feesas a Charge" " "Minimum Interest or "Minimum Charge. CardServices P.O.Box8802 Limit" No Pre-Set Spending Limit: "No Pre-SetSpending does not mean unlimited Wilmington, DE19899-8802. spending, it meanswe may permit you from time to time at our discretion to make certain chargesthat will causeyour outstanding balanceto exceedyour revolving credit line. Any While we investigate, the same rules apply to the disputed amount as discussedabove. such charge will be consideredon an individual basisand such evaluation will be basedon After we finish our investigation, we will tell you our decision.At that point, if we think you your account spending and payment history as well asyour experiencewith other creditors. owe an amount and you do not pay, we may report you as delinquent. If you exceedyour revolving credit line, then you must pay, with your Minimum Payment Due, the amount by which your balanceexceedsyour revolving credit line, including Pleaserefer to your CardmemberAgreement for additional information about the terms of amounts due to Purchases,CashAdvances, Interest charges, Fees,or other charges. your Account. Credit Bureau Disputes: If you believethat an entry we have made on your credit bureau °2023 BarclaysBank Delaware, member FDIC report is inaccurateor incomplete, pleasecontact the reporting agencydirectly or contact us at Card Services,P.O.Box8803 Wilmington, DE19899-8801. Pleaseindude your name; your account number; the credit reporting agency where you receivedthe bureau report; a description of the error; and why you believe it is an error. We will promptly investigate, notify you of our findings, and send an update to the credit bureausif warranted within 30 days. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: CardServices P.O.Box8802 Wilmington, DE19899-8802. In your letter, give us the following information: " Account irformation: Your name and account number. " Dollar amount: The dollar amount of the suspectederror. " Description of problem: If you think there is an error on your bill, describewhat you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appearedon your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may haveto pay the amount in question. While we investigate whether or not there has been an error, the following are true: " We cannot try to collect the amount in question, or report you as delinquent on that amount. " The charge in question may remain on your statement, and we may continue to chargeyou interest on that amount. But, if we determine that we made a mistake, you will not haveto pay the amount in question or any interest or other fees related to that amount. " While you do not haveto pay the amount in question, you are responsiblefor the Visit AviatorMastercard.com or use the Bardays Mobile App 4 of 6 FILED: WESTCHESTER COUNTY CLERK 03/05/2024 09:22 AM INDEX NO. 58020/2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 03/05/2024 AAdvantage® Aviator® Mastercard® Red Statement CRYSTAL DASH |Account 7001 |statement Period 05/05/23 - 06/04/23 Page 5 of 5 Ending Avoiding Interest on Purchases (Grace Period) (Excluding Easy Pay Promotional Balances): If you have a 0% promotional APRon any of your Purchasebalances(exduding EasyPay),you can avoid paying interest on those balancesduring the applicable promotional period. However, pay at least your Minimum PaymentDue to avoid a late fee. If you do not carry a Purchasebalancesubject to interest (exduding EasyPay)from month to month, you can avoid paying interest on your Purchases(exduding EasyPay)by paying $6,686.08. To avoid interest, you must pay the amount indicated above in full. If you carry a Purchasebalancesubject to interest (exduding EasyPay)from month to month, interest will accruefrom the date the purchaseis made until the date it is paid in full. The amount shown above does not indude any interest that may have accruedsince your statement period end date. Bardays may choose not to assessinterest that accruedsince your last statement period end date if it is below a certain amount. Miles Details Miles earned on American Airlines purchases 0 Visit AviatorMastercard.com or use the Barclays Mobile App 5 of 6 FILED: WESTCHESTER COUNTY CLERK 03/05/2024 09:22 AM INDEX NO. 58020/2024 NYSCEF DOC. NO. 2 RECEIVED NYSCEF: 03/05/2024 6 of 6