On March 06, 2024 a
EXHIBIT(S) - 7 - Exhibit 7 - Joint TD Bank Account
was filed
involving a dispute between
Sharyn Liddie
As Attorney-In-Fact For Laverna Kenney,
and
Wilson Kenney
Individually And As Attorney-In-Fact For Laverna Kenney,
for Special Proceedings - Other (GOL 5-1510)
in the District Court of New York County.
Preview
FILED: NEW YORK COUNTY CLERK 03/06/2024 03:04 PM INDEX NO. 152036/2024
NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 03/06/2024
EXHIBIT 7
FILED: NEW YORK COUNTY CLERK 03/06/2024 03:04 PM INDEX NO. 152036/2024
NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 03/06/2024
Bank
America's Most Convenient Bank*
SHARYN LIDDIE Page 1 of 2
LAVERNA D KENNEY Statement Penod Aug 24 2023-Sep 30 2023
59 SAILFISH DR Cust Ref # 6806754289-056-T-0
BRIGANTINE NJ 08203-1312 Primary Account # 4289
TD Simple Savings
sin¡n I u31>11 Account # 289
I \ \ l.RN.\ I) K I NNI Y
Beginning Balance 0 00 Interest Earned This Period 1.47
Deposits 70,414 13 Interest Paid Year-to-Date 1.47
Other Credits 1 47 Annual Percentage Yield Earned 0 02%
Days in Period 38
Ending Balance 70,415.60
Deposits
08/24 DEPOSIT 70.414 13
Subtotal 70,414 13
Other Credits
08/31 INTEREST PAID 0 31
09/30 INTEREST PAID 1 16
Subtotal 1 47
FILED: NEW YORK COUNTY CLERK 03/06/2024 03:04 PM INDEX NO. 152036/2024
NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 03/06/2024
Page: 2 of 2
Begin by adjusting your account register Your endine balance shown on this
as follows:
statement is:
Ending 70,415.60
Subtract any services charges shown Balance
on this statement. List below the amount of deposits or
credit transfers which do not appear
Subtract any automatic Parments
- on this statement. Total the deposits Total +
transfers or other electronic with-
and enter on Line -- Deposits
drawals not previously recorded.
Add any interest earned if you have Subtotal by adding lines I and 2.
an interest-bearing account.
List below the total amount of sub Total
Add any automatic deposit or
overdraft line of credit. withdrawals that do not appear on
this statement. Total the withdrawals
Review all withdrawals shown on this and enter on Line 4. -
Total
statement and check them off in your Withdrawals
account register.
Subtract Line 4 from 3. This adjusted
I ollow instructions 2-5 to verify your balance should equal your account
ending account balance. balance. Adjusted
Balance
Total
Total Deposits
Withdrawals
f youneedinformation
aboutanelectronicfundtransferor if youbelievethereis an Incaseof Errorsor Questions AboutYourBill
erroronyourbankstatementor receiptrelatingtoanelectronic fundtransfer If youthinkyourbillis wrongor if youneedmoreinformation abouta transactionon
telephonethebankimmediate!yatthephonenumberlistedonthefrontof your yourbtil writeusatPO Box1377Lewston Maine04243-1377 assoonas
statemem or writeto
possibleWemusthearfromyounolaterthansixtyt60)daysafterwesentyouthe
TD Bank, N.A., Deposit Operations Dept, P.O. Box 1377, Lewiston, FIRSTbillonwhichtheerroror problemappearedYoucantelephoneus butdoing
Maine 04243-1377 sowil notpreserveyournghtsin yourlettergiveusthefollowinginformation
Wemusthearfromyounolaterthansixty(60)calendardaysafterwesentyouthe Yournameandaccountnumber
firststatement
uponwhichtheerroror problemfirstappearedWhencontacting the Thedollaramountofthesuspected error
Bank.pleaseexpainasclearlyasyoucanwhyyoubelievethereis anerroror why Descobetheerrorandexplainif youcan whyyoubelievethereis anerror
moreinformation is neededPleaseinclude. If youneedmoreinformat!ondescnbetheitemyouareunsureabout
YournameandacCount number Youdonothaveto payanyamountinquestionwhdeweareinvestigatingbutyou
Adescaption oftheerrorortransaction
youareunsureabout arestilloblgatedto paythepartsof you-billthatarenotin queston Whilewe
Thedol:aramountanddateoftheSuspected error investigate yourquestion.wecannotreportyouasdelinquent ortakeanyactionto
/vhenmakingaverDalinquirytheBankmayaskthatyousendusyourcomplaint In coHed e amouMyou estion
wntingwithinten :10)businessdaysafterthefirsttelephonecall FINANCE CHARGESAlthoughtheBankusestheDailyBalancemethodtocalculate
Wewininvestigate yourcomplaintandwillcorrectanyerrorpromptlyIfwetakemore thefinancechargeonyourMoneylrne/Overdraft account(theterm"ODP"
Protection
or "OD" referstoOverdraftProtectionttheBankdisclosestheAverageDailyBalance
thanten(10;bus3ness daystodothis wewillcredityouraccountforthe
amountyouthinkis in errcr sothatyouhavetheuseofthemoneydunngthetimeit onthepenodicstatement asaneasiermethodforyoutocalculatethefinance
takestocomp'eleour2nvestigation chargeThefinancechargebeginstoaccrueonthedateadvances andotherdebits
arepostedtoyouraccountandwillcontinueuntilthebalancehasbeenpaidinfull
TocomputethefinancechargemulhplytheAverageDailyBalancetimestheDaysin
Totatinterestcreditedby theBanktoyouthIsyearwillbereportedby theBanktothe Penodt mestheDailyPenoaicRate(asItstedintheAccountSummary sectionon
InternalRevenueServiceandStatetaxauthonnesTheamountto bereportedwillbe thefrontofthestatement)TheAverageDailyBalanceiscalculatedbyaddingthe
reportedseparately toyouby theBank balancefor eachdayofthebillingcyclethendividingthetotalbalanceby thenumber
of Daysin theBillingCycleThedailybalanceisthebalanceforthedayafter
advanceshavebeenaddedandpayments orcreditshavebeensubtracted plusor
minusanyotheradjustments thatmightnaveoccurredthatday Thereis nograce
penedduringwhichnofinancechargeaccruesFinancechargeadjustments are
included12yourtotalfinancecharge
FILED: NEW YORK COUNTY CLERK 03/06/2024 03:04 PM INDEX NO. 152036/2024
NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 03/06/2024
rs Bank .
America% Most Convenient Bank°
SHARYN LIDDIE Page 1 of 2
LAVERNA D KENNEY Statement Period: Oct 01 2023-Dec 31 2023
59 SAILFISH DR Cust Ref #: 6806754289-056-T-0
BRIGANTINE NJ 08203-1312 Primary Account #: | 289
TD Simple Savings
SliARYN LIDDIE Account # 289
LAVERNA D KENNEY
Beginning Balance 70,415.60 Interest Eamed This Period 3.55
Other Credits 3.55 Interest Paid Year-to-Date 5.02
Annual Percentage Yield Earned 0.02%
Ending Balance 70,419.15 Days in Period 92
Other Credits
10/31 INTEREST PAID 1.19
11/30 INTEREST PAID 1.16
12/31 INTEREST PAID 1.20
Subtotal: 3.55
FILED: NEW YORK COUNTY CLERK 03/06/2024 03:04 PM INDEX NO. 152036/2024
NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 03/06/2024
How to Balance your Account pago 2or2
Begin by adjusting your account register 1. Your ending balance shown on this
as follows: statement is:
Ending 70,419.16
" Subtract shown Balance
any services charges
on this statement. 2. List below the amount of deposits or
credit transfers which do not appear
" Subtract any automatic payments,
6
on this statement. Total the deposits Total +
transfers or other electronic with-
and enter on Line 2. De POSIts .._.....
drawals not previously recorded.
" Add if you have 1 Subtotal lines 1 and 2.
any interest earned by adding
an interest-bearing account.
. t List below the total amount of sub Totat
- Add or
any automatic deposit
withdrawals that do not appear on
overdraft line of credit. .
this statement. Total the withdrawals
" Review all withdrawals shown on this and enter on Line 4. -
Total
statement and check them off in your Withdrawals __
account register.
a Subtract Line 4 from 3. This adjusted
- Follow instructions 2-5 to verify your balance should equal your account
account balance. balance. 0 Adjusted
ending
Balance
DEPOSITSALT DOLLARS CENTS NOT| DOLLARS
WITHDR/4WALS CENTS W1THDRAWALS
NOT DOLLARS CENTS
ONSTATEMENT ONSTATEMENT ONSTATEMENT
Total
Total Deposits Withdrawals
FOR COtjSUMER ACCOUi JTS ONLY - IN CASE OF ERRORS OR FOR CONSUEER LOAN ACCOUNTS ONLY - SILL!NG RIGHTS
QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS: SUMMARY
If youneedinformationaboutanelectronicfundtransferor if youbelievethereis an Incaseof Errorsor QuestionsAboutYourBill:
erroronyourbankstatementor receiptrelatingto anelectronicfundtransfer, If youthinkyourbillis wrong,or if youneedmoreinformationabouta transactionon
telephonethebankimmediately at thephonenumberlistedonthefrontof your yourbill, writeusat P.O.Box1377,Lewiston,Maine04243-1377 as soonas
statementor writeto: possible.Wemusthearfromyounolaterthansixty(60)daysafterwesentyouthe
TD Bank, N.A., Deposit Operations Dept, P.O. Box 1377, Lewiston, FIRSTbill onwhichtheerroror problemappeared.Youcan telephoneus, butdoing
Maine 04243-1377 sowillnotpreserveyourrights.Inyourletter,giveusthe followinginformation:
We musthearfromyounolaterthansixty(60)calendardaysafterwesentyouthe " Yournameandaccountnumber.
firststatementuponwhichtheerroror problemfirstappeared.Whencontactingthe " Thedollaramountofthesuspectederror.
" Describetheerrorandexplain,if you can,whyyoubelievethereis anerror.
Bank,pleaseexplainas clearlyas youcanwhyyoubelievethereis an erroror why
moreinformationis needed.Pleaseinclude: If Youneedmoreinformation,describetheitemyouareunsureabout.
" Yournameandaccountnumber. Youdonothaveto psyany amountin questionwhileweareinvestigating, butyou
" A descriptionof theerroror transactionyouareunsureabout. arestillobligatedto paythepartsofyourbillthatarenotin question.Whilewe
" Thedollaramountanddateofthesuspectederror. investigateyourquestion,wecannotreportyouas delinquentor takeany actionto
collecttheamountyouquestion.
Whenmakinga verbalinquiry,theBankmayaskthatyousendusyourcomplaintin
writingwithinten (10)businessdaysafterthefirsttelephonecall. FINANCECHARGES: Althoughthe Bankusesthe DailyBalancemethodto calculate
thefinancechargeonyourMoneyline/Overdraft Protectionaccount(theterm"ODP"
Wewillinvestigateyourcomplaintandwillcorrectanyerrorpromptly.Ifwetakemore
or"OD"refersto OverdraftProtection), theBankdisclosestheAverageDailyBalance
thanten (10)businessdaysto do this,wewillcredityouraccountfor the
ontheperiodicstatementas aneasiermethodforyouto calculatethefinance
amountyouthinkis in error,sothatyouhavetheuseof the moneyduringthetimeit
charge.Thefinancechargebeginsto accrueonthedateadvancesandotherdebits
takesto completeourinvestigation.
arepostedto youraccountandwillcontinueuntilthebalancehasbeenpaidinfull.
EEREST NO RCE To computethefinancecharge,multiplytheAverageDailyBalancetimestheDaysin
Totalinterestcreditedby theBanktoyouthisyearwillbereportedby theBankto the Periodtimesthe DailyPeriodicRate(aslistedin theAccountSummarysectionon
InternalRevenueServiceandStatetaxauthorities.Theamountto bereportedwill be thefrontofthestatement). TheAverageDailyBalanceis calculatedby addingthe
reportedseparatelyto you by theBank. balanceforeachday ofthe billingcycle.thendividingthetotalbalanceby thenumber
of Daysin the BillingCycle.Thedailybalanceis thebalancefor the dayafter
advanceshavebeenaddedandpaymentsor creditshavebeensubtractedplusor
minusanyotheradjustments thatmighthaveoccurredthatday.Thereis nograce
periodduringwhichnofinancechargeaccrues.Financechargeadjustments are
includedin yourtotalfinancecharge.
FILED: NEW YORK COUNTY CLERK 03/06/2024 03:04 PM INDEX NO. 152036/2024
NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 03/06/2024
Activity Details Documents
TD SIMPLE
Account name
SAVINGS
Document Filed Date
March 06, 2024
Case Filing Date
March 06, 2024
Category
Special Proceedings - Other (GOL 5-1510)
For full print and download access, please subscribe at https://www.trellis.law/.
Preview
FILED: NEW YORK COUNTY CLERK 03/06/2024 03:04 PM INDEX NO. 152036/2024 NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 03/06/2024 EXHIBIT 7 FILED: NEW YORK COUNTY CLERK 03/06/2024 03:04 PM INDEX NO. 152036/2024 NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 03/06/2024 Bank America's Most Convenient Bank* SHARYN LIDDIE Page 1 of 2 LAVERNA D KENNEY Statement Penod Aug 24 2023-Sep 30 2023 59 SAILFISH DR Cust Ref # 6806754289-056-T-0 BRIGANTINE NJ 08203-1312 Primary Account # 4289 TD Simple Savings sin¡n I u31>11 Account # 289 I \ \ l.RN.\ I) K I NNI Y Beginning Balance 0 00 Interest Earned This Period 1.47 Deposits 70,414 13 Interest Paid Year-to-Date 1.47 Other Credits 1 47 Annual Percentage Yield Earned 0 02% Days in Period 38 Ending Balance 70,415.60 Deposits 08/24 DEPOSIT 70.414 13 Subtotal 70,414 13 Other Credits 08/31 INTEREST PAID 0 31 09/30 INTEREST PAID 1 16 Subtotal 1 47 FILED: NEW YORK COUNTY CLERK 03/06/2024 03:04 PM INDEX NO. 152036/2024 NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 03/06/2024 Page: 2 of 2 Begin by adjusting your account register Your endine balance shown on this as follows: statement is: Ending 70,415.60 Subtract any services charges shown Balance on this statement. List below the amount of deposits or credit transfers which do not appear Subtract any automatic Parments - on this statement. Total the deposits Total + transfers or other electronic with- and enter on Line -- Deposits drawals not previously recorded. Add any interest earned if you have Subtotal by adding lines I and 2. an interest-bearing account. List below the total amount of sub Total Add any automatic deposit or overdraft line of credit. withdrawals that do not appear on this statement. Total the withdrawals Review all withdrawals shown on this and enter on Line 4. - Total statement and check them off in your Withdrawals account register. Subtract Line 4 from 3. This adjusted I ollow instructions 2-5 to verify your balance should equal your account ending account balance. balance. Adjusted Balance Total Total Deposits Withdrawals f youneedinformation aboutanelectronicfundtransferor if youbelievethereis an Incaseof Errorsor Questions AboutYourBill erroronyourbankstatementor receiptrelatingtoanelectronic fundtransfer If youthinkyourbillis wrongor if youneedmoreinformation abouta transactionon telephonethebankimmediate!yatthephonenumberlistedonthefrontof your yourbtil writeusatPO Box1377Lewston Maine04243-1377 assoonas statemem or writeto possibleWemusthearfromyounolaterthansixtyt60)daysafterwesentyouthe TD Bank, N.A., Deposit Operations Dept, P.O. Box 1377, Lewiston, FIRSTbillonwhichtheerroror problemappearedYoucantelephoneus butdoing Maine 04243-1377 sowil notpreserveyournghtsin yourlettergiveusthefollowinginformation Wemusthearfromyounolaterthansixty(60)calendardaysafterwesentyouthe Yournameandaccountnumber firststatement uponwhichtheerroror problemfirstappearedWhencontacting the Thedollaramountofthesuspected error Bank.pleaseexpainasclearlyasyoucanwhyyoubelievethereis anerroror why Descobetheerrorandexplainif youcan whyyoubelievethereis anerror moreinformation is neededPleaseinclude. If youneedmoreinformat!ondescnbetheitemyouareunsureabout YournameandacCount number Youdonothaveto payanyamountinquestionwhdeweareinvestigatingbutyou Adescaption oftheerrorortransaction youareunsureabout arestilloblgatedto paythepartsof you-billthatarenotin queston Whilewe Thedol:aramountanddateoftheSuspected error investigate yourquestion.wecannotreportyouasdelinquent ortakeanyactionto /vhenmakingaverDalinquirytheBankmayaskthatyousendusyourcomplaint In coHed e amouMyou estion wntingwithinten :10)businessdaysafterthefirsttelephonecall FINANCE CHARGESAlthoughtheBankusestheDailyBalancemethodtocalculate Wewininvestigate yourcomplaintandwillcorrectanyerrorpromptlyIfwetakemore thefinancechargeonyourMoneylrne/Overdraft account(theterm"ODP" Protection or "OD" referstoOverdraftProtectionttheBankdisclosestheAverageDailyBalance thanten(10;bus3ness daystodothis wewillcredityouraccountforthe amountyouthinkis in errcr sothatyouhavetheuseofthemoneydunngthetimeit onthepenodicstatement asaneasiermethodforyoutocalculatethefinance takestocomp'eleour2nvestigation chargeThefinancechargebeginstoaccrueonthedateadvances andotherdebits arepostedtoyouraccountandwillcontinueuntilthebalancehasbeenpaidinfull TocomputethefinancechargemulhplytheAverageDailyBalancetimestheDaysin Totatinterestcreditedby theBanktoyouthIsyearwillbereportedby theBanktothe Penodt mestheDailyPenoaicRate(asItstedintheAccountSummary sectionon InternalRevenueServiceandStatetaxauthonnesTheamountto bereportedwillbe thefrontofthestatement)TheAverageDailyBalanceiscalculatedbyaddingthe reportedseparately toyouby theBank balancefor eachdayofthebillingcyclethendividingthetotalbalanceby thenumber of Daysin theBillingCycleThedailybalanceisthebalanceforthedayafter advanceshavebeenaddedandpayments orcreditshavebeensubtracted plusor minusanyotheradjustments thatmightnaveoccurredthatday Thereis nograce penedduringwhichnofinancechargeaccruesFinancechargeadjustments are included12yourtotalfinancecharge FILED: NEW YORK COUNTY CLERK 03/06/2024 03:04 PM INDEX NO. 152036/2024 NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 03/06/2024 rs Bank . America% Most Convenient Bank° SHARYN LIDDIE Page 1 of 2 LAVERNA D KENNEY Statement Period: Oct 01 2023-Dec 31 2023 59 SAILFISH DR Cust Ref #: 6806754289-056-T-0 BRIGANTINE NJ 08203-1312 Primary Account #: | 289 TD Simple Savings SliARYN LIDDIE Account # 289 LAVERNA D KENNEY Beginning Balance 70,415.60 Interest Eamed This Period 3.55 Other Credits 3.55 Interest Paid Year-to-Date 5.02 Annual Percentage Yield Earned 0.02% Ending Balance 70,419.15 Days in Period 92 Other Credits 10/31 INTEREST PAID 1.19 11/30 INTEREST PAID 1.16 12/31 INTEREST PAID 1.20 Subtotal: 3.55 FILED: NEW YORK COUNTY CLERK 03/06/2024 03:04 PM INDEX NO. 152036/2024 NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 03/06/2024 How to Balance your Account pago 2or2 Begin by adjusting your account register 1. Your ending balance shown on this as follows: statement is: Ending 70,419.16 " Subtract shown Balance any services charges on this statement. 2. List below the amount of deposits or credit transfers which do not appear " Subtract any automatic payments, 6 on this statement. Total the deposits Total + transfers or other electronic with- and enter on Line 2. De POSIts .._..... drawals not previously recorded. " Add if you have 1 Subtotal lines 1 and 2. any interest earned by adding an interest-bearing account. . t List below the total amount of sub Totat - Add or any automatic deposit withdrawals that do not appear on overdraft line of credit. . this statement. Total the withdrawals " Review all withdrawals shown on this and enter on Line 4. - Total statement and check them off in your Withdrawals __ account register. a Subtract Line 4 from 3. This adjusted - Follow instructions 2-5 to verify your balance should equal your account account balance. balance. 0 Adjusted ending Balance DEPOSITSALT DOLLARS CENTS NOT| DOLLARS WITHDR/4WALS CENTS W1THDRAWALS NOT DOLLARS CENTS ONSTATEMENT ONSTATEMENT ONSTATEMENT Total Total Deposits Withdrawals FOR COtjSUMER ACCOUi JTS ONLY - IN CASE OF ERRORS OR FOR CONSUEER LOAN ACCOUNTS ONLY - SILL!NG RIGHTS QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS: SUMMARY If youneedinformationaboutanelectronicfundtransferor if youbelievethereis an Incaseof Errorsor QuestionsAboutYourBill: erroronyourbankstatementor receiptrelatingto anelectronicfundtransfer, If youthinkyourbillis wrong,or if youneedmoreinformationabouta transactionon telephonethebankimmediately at thephonenumberlistedonthefrontof your yourbill, writeusat P.O.Box1377,Lewiston,Maine04243-1377 as soonas statementor writeto: possible.Wemusthearfromyounolaterthansixty(60)daysafterwesentyouthe TD Bank, N.A., Deposit Operations Dept, P.O. Box 1377, Lewiston, FIRSTbill onwhichtheerroror problemappeared.Youcan telephoneus, butdoing Maine 04243-1377 sowillnotpreserveyourrights.Inyourletter,giveusthe followinginformation: We musthearfromyounolaterthansixty(60)calendardaysafterwesentyouthe " Yournameandaccountnumber. firststatementuponwhichtheerroror problemfirstappeared.Whencontactingthe " Thedollaramountofthesuspectederror. " Describetheerrorandexplain,if you can,whyyoubelievethereis anerror. Bank,pleaseexplainas clearlyas youcanwhyyoubelievethereis an erroror why moreinformationis needed.Pleaseinclude: If Youneedmoreinformation,describetheitemyouareunsureabout. " Yournameandaccountnumber. Youdonothaveto psyany amountin questionwhileweareinvestigating, butyou " A descriptionof theerroror transactionyouareunsureabout. arestillobligatedto paythepartsofyourbillthatarenotin question.Whilewe " Thedollaramountanddateofthesuspectederror. investigateyourquestion,wecannotreportyouas delinquentor takeany actionto collecttheamountyouquestion. Whenmakinga verbalinquiry,theBankmayaskthatyousendusyourcomplaintin writingwithinten (10)businessdaysafterthefirsttelephonecall. FINANCECHARGES: Althoughthe Bankusesthe DailyBalancemethodto calculate thefinancechargeonyourMoneyline/Overdraft Protectionaccount(theterm"ODP" Wewillinvestigateyourcomplaintandwillcorrectanyerrorpromptly.Ifwetakemore or"OD"refersto OverdraftProtection), theBankdisclosestheAverageDailyBalance thanten (10)businessdaysto do this,wewillcredityouraccountfor the ontheperiodicstatementas aneasiermethodforyouto calculatethefinance amountyouthinkis in error,sothatyouhavetheuseof the moneyduringthetimeit charge.Thefinancechargebeginsto accrueonthedateadvancesandotherdebits takesto completeourinvestigation. arepostedto youraccountandwillcontinueuntilthebalancehasbeenpaidinfull. EEREST NO RCE To computethefinancecharge,multiplytheAverageDailyBalancetimestheDaysin Totalinterestcreditedby theBanktoyouthisyearwillbereportedby theBankto the Periodtimesthe DailyPeriodicRate(aslistedin theAccountSummarysectionon InternalRevenueServiceandStatetaxauthorities.Theamountto bereportedwill be thefrontofthestatement). TheAverageDailyBalanceis calculatedby addingthe reportedseparatelyto you by theBank. balanceforeachday ofthe billingcycle.thendividingthetotalbalanceby thenumber of Daysin the BillingCycle.Thedailybalanceis thebalancefor the dayafter advanceshavebeenaddedandpaymentsor creditshavebeensubtractedplusor minusanyotheradjustments thatmighthaveoccurredthatday.Thereis nograce periodduringwhichnofinancechargeaccrues.Financechargeadjustments are includedin yourtotalfinancecharge. FILED: NEW YORK COUNTY CLERK 03/06/2024 03:04 PM INDEX NO. 152036/2024 NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 03/06/2024 Activity Details Documents TD SIMPLE Account name SAVINGS