Preview
FILED: ULSTER COUNTY CLERK 04/19/2024 02:09 PM INDEX NO. EF2024-340
NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 04/19/2024
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FILED: ULSTER COUNTY CLERK 04/19/2024 02:09 PM INDEX NO. EF2024-340
NYSCEF DOC. NO. 8 RECEIVED NYSCEF:Doc
04/19/2024
Page 2 of 9
EfØ R E WA R D S
VISA- CARDS FRoM CHASE
E Manage your account online:
--w.cna.e.com .n..
customer service:
1-soo-soo-es75
--- Mobile: Download the
onase moni,ee ap, ,o,ay
New Balance
Auqum 2023
$4 5457.01
DISNEY REWARDSDOLLARS
S M T W T F S Previous Rewards Dollars balance 0.00
Minimum Payment Due + 1% Eam on all purchases 0.00
1 2 S 4 5
$1,112.00 - Rewards Dollars tmslrd to Redemption Card 0.00
7 * S '° '' '²
* '4 '6 'S '7 'S
eaymentDueDate =TotalRewards Dollars avail. for
'S
08/13/23 redem tion O.00
20 21 22 23 24 25 26
Please visit DisneyRewards.oom or call 1-s00-300-s57s to
27 28 29 30 31 1 2 transfer your Disney Rawards Dollars to a Disney Rowards
3 4 5 6 7 a 9 Redemption Card or if you have any questions about your
Rewards Dollars.
Late Payment Warning: If we do not receive your minimum paymen t
by the date Iisted above, you may have to pay a late fee of up to
$40.00 and your APR's will be subject to increase to a maximum
Penalty APR of 29.990
Minimum Payment Warning: If you make only the minimum
paymont eaoh period, you will pay more In interest and it will take you
longer to pay off your balance. For example:
If you mako no You will pay off the And you will end up
additional charges balance shown on this paying an estimated
using this card and statement in about... total of...
each month you pay...
Only the minimum 12 years SB,879
payment
If you would like information about credit oounseling services, call
1-866-797-2886. CO
ACCOUNTSUMMARY O
Account Number: 3210 co
Provlous Balance $4,380.79
Payment, Credits $0.00 (D
Purchases $0.00
Cash Advances $O.00 O
Balance Transfers $0.00
O
Fees Charged SO.OO
Interest Charged +$76.22 ".p
New Balance $4,457.01
Opening/Closing Date 06/17/23 - 07/10/23
Credit Limit $S,s00
Available Credit SO
Cash Aooess Une $100 ¦
Available for Cash SO E
Past Due Amount $992.00
Balance over the Credit IJmit $657.01 O
O
E
O
YOUR ACCOUNT MESSAGES O
New York Residents: New York residents may contact the New York State Department of Financial Services at
1-800-342-3736 or go to www.dfs.ny.gov to obtain a comparative list of credit card rates, fees, and grace periods.
You are over your credit line/credit access line by $657.01. You can pay down your balance faster by including this
arnount with your payment.
This Statement is a Facsimile - Not an original
1iE7 EfØ R E WA R D S
ISA- CARDS FRoM CHASF
P.O. BOX 15123 The Past Due Payment Due Date: 08/13/23
WILMINGTON, DE 19850-5123 amount of $992.00 le New Balance: $4,457.01
included In your Minimum Payment Due: $1,112.00
Minimum Payment.
Account number: 3210
Amount Enclosed
Make/Maigto Chase card Services at theaddress below:
SUSAN E DALTON
71 DEERHAVEN LN
GARDINER NY 12525-5627
CARDMEMBER SERVICE
PO BOX 1423
CHARLOTrE NC 28201-1423
FILED: ULSTER COUNTY CLERK 04/19/2024 02:09 PM INDEX NO. EF2024-340
NYSCEF DOC. NO. 8 RECEIVED NYSCEF:Doc04/19/2024
Page 3 of 9
To contact us regartHng your account:
---
Call Custorner Service:
In U.S. 1-800-300-8575
Spanish 1-888-446-3308
Pay by phone1-800-436-7958 Send Inquiries to: Mail Payrnents to: Visit Our Website:
International 1-302-594-8200 P.O. Box 15298 P.O. Box 1423 WWW-chase.corn/cardhelp
We accept operator relay calls Wilrnington, DE 19850-5298 Charlotte, NC 25201-1423
information AboutYourAccount orchecktransaction
cashadvance, IntheamountstatedinyourAccountAgreement.
°0
MakingYourPayments:Thearnountof your paymentshouldbe at leastyour t ansa onf omeaccounts. aseseeyow AccountAgnmment for Wormation
minimumpayment due.payableIn U.S.dollarsanddrawnonor payable througha
U.S.financialInstitution or theU.S.branchof aforeignfirencialinstitution. Youcan
paydownbalances lasterby payinDrnorethantheminirnurnpayment or thetotal
Weaddtransactions andfeestoyourdailybalance noearlierthan:
unpaidbalance onyouraccount,
-for newpurchases, balance
1.thedateofthetransaction transfers,overdraft
Youmaymakepayments electronically throughourwebsiteor byoneofourcustomer advances, cashadvances, or MyChaseLoans:
servicephonenurnbers above.In usinganyofthesechannels. youareauthorizing us
to withdrawfundsasa one-timeelectronic fundstransferfrornyourbankaccount. 2.thedatethe payeedepositsthecheck- for newcashadvance checksor
Inourautomated phonesystem,thisauthorization Isprovidedviaentryofapersonal balance transferchecks;
Identificationnumber. Youmayrevokethisauthorization bycancelNng yourpayment
3.thedateofarelatedtransaction, thedatetheyorepostedtoyouraccount.or
throughourwebsiteor custornerservicetelephone numbersprIorto thepayment thelastdayofthebillingcycle,whichever wemaychoose-for fees
processing. If we receiveyourcompletedpaymentrequestthroughoneof these
channels by t1:59p.m.Eastern Time,wewill credityourpayrnent asof thatday.If
HowToAveldPayIngInterestOnPurchases: Yourduedatewillbeamlnimurnof 21
wereceiveyourrequestafter11:59p.m.Eastern Time.wewlHcredityourpayment
daysalterthecloseofeachbHIIng cycle.If youpayyouraccount(orInterestSaving
asof thenextcalendar day,If youspecifyafuturedateInyourrequest wewillcredit
Balance) Inlull eachbililngperiodby thedateandLimedue.nointerestIscharged
yourpayment asof thatday- onnewpurchases monthtomonth.Also,wewillnotIgnpose interestchargeson any
If youpayby regularU.S.mailto thePayments portionof a purchase
addressshownon thisstatement, balance yourepaywhilethatbalance is subjectto anInterest-
writeyouraccountnumberonyourcheckor moneyorderandInclude freepedod.Subjectto any Interest-free
thepayment periodfor newpurchases. wewill begin
couponIntheenvelope. Donotsendrnorethanonepayment chargingInteresttromthedatea transaction
orcouponperenvelope. (includinganybalance transfer.cash
Donotstaple.clip or 1apethedocuments. Donot Includecorrespondence. advance or overdraftadvance).
Donot feeor interestchargoIsaddedtoyourdallybalance
sendcash.If wereceiveyourproperlyprepared untilyour accountis paldIn full. Secause
paymenton anydayby 5p.m.local we applypayments in excessof your
timeatourPayments address on this statement, rninimum
wewill creditto youraccountthat payment firsttohigherratebalances, youmaynotbeabletoavoidInterest
day.If yourpayment Is received after5 p.m.localtimeat ourPayments charges onnewpurchases
addresson Ifyouhaveanotherbalance atahigherInterestrateunless
thisstatement, wewillcreditIttoyouraccount asofthenextcalendar Youpayyourhalance
day. (or InterestSavingBalance) Infulleachmonth.
Forallotherpayments orfor anypayment CloditLimit:If youwantto Inquireaboutyouroptionsto helppreventyouraccount
typeaboveforwhichyoudonotfollowour
payment instructions. credillngofyourpayments maybedelayed fromexceeding
for upto5 days, youroreditlimit.pleasecallthenumberonthebackofyourcard.
AccountInformation ReportedToCreditBureau:We mayreportInformation WhatToDoIf YouThinkYouFindA MlstakeOnYourStatement:
about If youthinkthere
yourAccounttocreditbureaus. Latepayments, missedpayments is anerroronyourstatement,
or otherdefaults wrileto usona separate sheetatCustomer Service,
onyourAccount maybereflected RO·Box15299.Wilmington,
Inyourcreditreport.11youthinkwehavereported DE19850-5299.
Inaccurate Information to acreditbureau,pleasewriteto usatChaseCardServices Inyourletter,giveusthefollowingInforrnation:
P.O.Box15369.WnmIngton, DE19850-5369.
" AccountInformation: YournameandAccountnumbat
ToServiceAndManageAnyof YourAccount(s):Byprovidingmy mobilephone
number,I am givingpermissionto becontactedat that numberaboutallof my " Dollaramount:Thedollararnountof thesuspected error.
accountsby JPMorgan Chaseandcompanies workingon Its behalf.My consent "Descriptionof Problem:If youthinkthorois anerroron yourbill,describe
allowsthe useof text messages, artificialor prerecorded voicemessages and
autornatic dialingtechnology for Informational andaccountservicing,bul notfor whatyoubelieveis wrongandwhyyoubelieveItis amistake.
salesor tolernarketing. Message anddataratesmayapply' Youmustcontactuswithin60daysaftertheerrorappeared onyourstatement. 0)
Authoriza1lon ToConvertYourCheckToAnElectronicTransferOeb11: Whenyou
Youmustnotifyus of anypotentialerrorsInwriting.YouInaycallusor notify us
provideacheckaspayrnent, youauthorizeus eliberto useinformation fromyour
electronically,butIfyoudowearenotrequiredtoInvestigate anypotenital errorsand
checkto makeaone-timeelectronicfundiransferfromyouraccountorto process youmayhaveto paytheamountInquestion.
thepayment asacheck.Yourbankaccountmaybedebltedassoonasthesameday
wereceive yourpayment. Youwill notreceiveyourcheckbackfromyourinstitution.
WhileweInvestigata whetheror nottherehasbeenanerror,thefollowingaretrue:
Conditional Payrnents: Anypaymentcheckor olhertorrnof payrnent - Wecannottry to collectthearnountinquestion.
thatyousend orreportyouasdelinquent on
usforlessthanthefullbalance duethatis rnarked"paidInfull" orcontains a signilar
thatarnount.
notation,or thatyouotherwisetenderin full satisfacitonof a disputedamount. O
mustbesentto CardServices,RO.Box15049.Wilrnington,DE19850-5049. "ThechargeInquestionmayremainonyourstatement,
We andweInaycontinue
reserveallourrightsregarding thesepayments (e.g.,II it is determined to chargeyouinterestonthatamount.But,if wedetermine
thereis no thatwemadea
validdisputeor 11anysuchcheckIs receIved at unyotheraddress,wemayeccept mistake,youwill nothaveto paytheamouritin questionor any Interestor
thecheckandyouwill still oweanyromalningbalanco), Wemayrefuseto accept otherfeesrelatedto thatamount, q)
anysuchpayrnent by retumingIt to you,notcashingIt or destroying it. Allother
"Whileyoudonothaveto paytheamountInquestion, youareresponsible for
payments thatyoumakeshouldbesientto theregularPaymentaddress shownon
theremainder of yourbalance. W
thisstatement 4 ,,
annual " WecanapplyanyunpaidamountagainstyourcreditIlmit.
AnnualRenewalNotice:If yourAccount A greement hasan rnembership
fee,youareresponsible tor It everyyearyourAccotmtIs open.Wewill addyour YourRightsIf YouAreOlssetisfied WithYourCredi1CardPurchases: 11you are
annualmembership feetoyourmonthlybillingstatement onceayear,whether or not
dissatisfiedwlth thegoodsorservicesthatyouhavepurchased withyourcreditcard, E
youuseyouraccount.Yourannualmembership endyouhavetriedingoodlaithto correcttheoroblemwiththemerchant,
feewill beaddedtoyourpurchase you may
balance andmayIncurInterest. Theannualmembership feelonon-refundable unless
haveIherightnotto paytheremaining amountduoonthepurchase. Q
younotlfyusthatyouwishtocloseyouraccountwithin30daysor onebillingcycle Tousethisright,allofthefollowingmustbetrue:
(Whichever Is less)afterweprovidethestatement onwhichtheannualmembership
feeIsbilled.Yourpaymentof theannualmembership feedoesnotalfectourrights1.Thepurchase musthavebeenmadeInyourhomestateor within100miles
tocloseyOUr Accountandto limityourrightto rnaketransactions onyourAccount-of yourourrentmailingaddress,andthepurchase pricemusthavebeen E
I r co n closedbyyouor u%theannualmembersNp feewWnolongerbe morethan$50.(Note:Nellherof thesearenecessary If yourpurchase was O
basedonanadvertisement wernalledtoyou,or llweownthecompany that
CalculationOfBalanceSubjectToInterestRate:Tofigureyour periodicinterest soldyouthegoodsor services.)
chargesfor eachbillingcyclewhena daily periodicrate(s)applies,we usethe 2.Youmusthave used yourcredit c ardforthepurchase. Purchases made whh
dailybalance method(includingnewtransactions).Tofigureyourperiodic I nterest cashadvances fromanATMor withacheckthataccesses yourcreditcard
chargesfor cachbillingcyclewhena monthlyperiodicrate(s) applies,weusothe Accountdonotqualify.
averagedullybalancemethod(includingnewtransactions). Foranexplanallon of
eithermethod,or questionsabouta particularintarostchargeonlculallononyour 3.Youmustnotyethavefully paidforthepurchase.
statement, callusatthetollfreecustomer
please servicephonenumberlistedabove.
ifalloftheeriteriaabovearemetandyouare stilIdissatisfiedwIththe purchase, contact
WecalculateperiodicInterestchargesseparatelyfor eachfeature(for example" usin writingatCustomer Service,P.O.Box15299,Wilmington, DE19850-5299.
purchases,balancetransfers,cash advancesor overdraftadvances). These
calculations withthesarneperiodicrates.Variable WhileweInvestigate,
rnaycombinedifferentcategories the samerulesapplyto thedisputedamountas discussed
rateswill verywiththe marketÞasedon thePrimeRateor suchIndexdescribed above.Afterwetinishourinvestigation, wewill lellyouourdecision. Atthatpoint,11
in yourAccountAgreement. feefor eachbalance
ThereIn a transaction transfer, wethinkyouoweanamountandyoudonotpaywemayreportyouasdelinquent.
MAO5D42021
To manage your account, including card payments, alerts, and change of address, visit
www.chase.com/carclhelp or call the customer service number which appears on your
account statement.
L
FILED: ULSTER COUNTY CLERK 04/19/2024 02:09 PM INDEX NO. EF2024-340
NYSCEF DOC. NO. 8 RECEIVED NYSCEF:Doc04/19/2024
Page 4 of 9
Manage your account onHne: customer service: - .--
R E WA R DS www.chase.com/disnav 1-800-300-8575
MobIre: Download he
Chase MobHe®app today
VISA* CARDS FRo M CHASE
YOUR ACCOUNT MESSAGES (CONTINUED)
Your account is closed and no longer availablo for use.
Cardmernber ID:
Use your Cardmember ID for special IImited-time promotions.
ACCOUNT ACTIVITY
Date of
Transaction Merchant Name or Transaotion Description $ Amount
INTEREST CHAVGED
07/16 PURCHASE INTEREST CHARGE 76.22
TOTAL INTEREST FOR THIS PERIOD $76.22
2023 Totala Year-to-Date
Total fees charged in 2023 $224.00
Total interest charged in 2023 S495.35
Year-to-date totals do not reflect any fee or interest refunds
you may have received.
INTEREST CHARGES
Your Annual Percentage Rate (APR) is the annual interest rate on your account N
Annual Balance
Balance Type Percentage Subject To Interest N
Rate (APR) Interest Rate Charges C)
PURCHASES
. O
Purchases 20.99% (v)(d) $4,417.50 $76.22 o
CASH ADVANCES O
Cash Advances 29.99%(V)(d) - O- - O- C
BALANCE TRANSFERS .9
Balanoe Transfers 20.99%(v)(d) - O- - O-
30 Days In Billing Period 0
(v) = Variable Rato
(d) - Daily Balance Method (lnoluding new transactions)
(a) - Average Daily Balance Method (Inoluding new transactions) C
Please see Information About Your Account section for the Calculation of Balanoe Subject to Interest Rate, Annual Renewal Notice, How
to Avold Interest on Purchases, and other important Information, as applicable. E
O
O
Q
C
IMPORTANT NEWS o
(a
Help protect yourself today. Be In control of your tomorrow.
There are tips and tools you can start using now
to help you better protect your accounts from
fraud and financial abuse as you or a loved one gets older.
To get started, please visit chase.com/FinancialAbuse
FILED: ULSTER COUNTY CLERK 04/19/2024 02:09 PM INDEX NO. EF2024-340
NYSCEF DOC. NO. 8 RECEIVED NYSCEF:
Doc04/19/2024
Page 5 of 9
8
s
2
9 Pa9e yo of y
FILED: ULSTER COUNTY CLERK 04/19/2024 02:09 PM INDEX NO. EF2024-340
NYSCEF DOC. NO. 8 RECEIVED NYSCEF:Doc04/19/2024
Page 6 Of 9
REWAR DS E Manage your account online:
.chase.com/dinnev
customer service:
1-800-300-8576
-- MoblIe: Download the
Chase Mobile®app today
VISA* CARDS FRo M CHASE
New Balance
March 2023 DISNW REWARDS DORARS
S M T W T F S $3,937.47 Previous Rowards Dollars balance 83.17
Minimum Payment Due + 1% Eam on all purchases O.00
1 2 S 4
$383.00 - Rewards Dollare tmelrd to Redemption Card O.00
5 e 7 8 9 10 ''
PaymontDueDate = Total Rewards Dollars avail. for
'² '' '4 '° '° '7 'S
03/13/23 redemption 63.17
19 20 21 22 23 24 25
2.27 Rewards Dollars will expire on statement in December
26 27 28 29 30 S1 1 2025
2 3 4 5 6 7 8 4.72 Rewards Dollars will expire on statement in January 2026
I.ate Payment Warning: If we do not receive your minimum payment 0.79 Rewards Dollars will expire on statement In February 2026
by the date listed above, you may have to pay a late fee of up to Please visit DisneyRewards.com or call 1-800-300-8575 to
$37.00. transfer your Disney Rewards Dollars to a Disney Rewards
Minimum Payment Warning: If you make only the minimum Redemption Card or If you have any questions about your
payment each period, you will pay more In Interest and it will tako you Rowards Dollars.
longor to pay off your balance. For example:
You eam 1% in Rewards Dollars on purchases with your
Disney® Visa® Card. Every Rowards Dollar you earn is equal to
If you make no You will pay off tho And you will end up S1 when redeeming toward Disney products and offerings.
additional charges balanoe shown on this paying an estimated Disney Rowards Dollars are subject to the Disney Rewards
using this card and statement in about... total of... Dollars Terms and Conditions for Disney® Visa® Credit Cards
each month you pay... which were provided to you when you became a Cardmember.
Please visit DisneyRewards.com or oall Chase Customer Service
Only the minimum 14 yoars $8,793 If you have any questions about your Rewards Dollare or Disney
payrnont Visa Card.
If you would like information about credit counseling servicos, call © Disney and its relatod entities.
1-866-797-2885.
ACCOUNT SUMMARY H
OJ
Account Number: 3210 O
Previous Balance $3,950.54
Payment, Credits -$119.00 O)
Purchases $O.00
Cash Advances $0.00 O
Balance Transfers $O.00
Fees Charged +$37.00
Interest Charged +S88.93
New Balance $3,937.47
Opening/Closing Date 01/17/23 - O2/16/23 O
Credit Limit $3,800
Available Credit SO
Cash Access Line $190 C
Available for Cash SO
Past Due Amount S238.00 E
Batance over the Credit 1..Imit $137.47 O
O
O
E
O
YOUR ACCOUNT MESSAGES O
New York Residents: New York residents may contact the New York State Department of Financial Services at
1-800-342-3736 or go to www.dfs.ny.gov to obtain a comparative list of credit card rates, fees, and grace periods.
You are over your credit lineforedit access line by $137.47. You can pay down your balance faster by including this
amount with your payment.
l'lllS Statement IIS a I-aCSilmil 0 - NIOt an Original
Sif REWA R DS
VgSA- CARDS FROM CHASE
P.O. BOX 15123 The Past Due Payment Due Date: 03/13/23
WI INGTON, DE 19850-5 23 amount of $238.00 is New Balance: $3,937.47
included in your Minimum Payment Due: $383.00
Minimum Payment.
Account number: 3210
$ . Amount Enolosed
Make/Mail to Chase Card Servloes at the address below:
SUSAN E DALTON
71 DEERI-IAVEN LN
GARDINER NY 12525-5527
CARDMEMBER SERVICE
PO BOX 1423
CHARLOTTE NC 28201-1423
Pkg Page 11 Of 16
FILED: ULSTER COUNTY CLERK 04/19/2024 02:09 PM INDEX NO. EF2024-340
NYSCEF DOC. NO. 8 RECEIVED NYSCEF:Doc04/19/2024
Page 7 of 9
To contact us regarding your account:
CaH Cusiorner Servloe:
In U.S. 1-800-30Cº8575
Spanish 1-888-446-3308
Pay by phone1-800-436-7958 Send Irtquiries to: Mail Payments to: Visit our Website:
Internat]onal 1-302-594-8200 P.O. Box 15298 P.O. Box 1423 www.chase.corri/cardhelp
We accept operator relay calls Wilrntngton, DE 19850-5298 Charlotte, NC 28201-1423
Ingormation AbouIYourAccount cashadvance, orchecktrarisaction Intheamountstatedin yourAccountAgreernent.
Thereis a foreigntransaction feeof 3%of theU.S.dollaramountof any foreign
MakingYourPayments:Thearnountof your paymentshouldbe at leastyour transaction for someaccounts.Pleasa seeyourAccountAgreement for Information
minimumpayrnent due,payable In U.S.dollarsanddrawnonor payable througha aboutthesefees.
U,S.financialInstliutionor theU.S.brancho1aforeignfinancialInstitution. Youcan
paydownbalances fasterby payingmorethanthe rninlmumpayment or thetotal Weaddtransactions andfeestoyourdailybalance noearlierthan:
unpaidbalance onyouraccount.
1.1hedateofthetransaction -for newpurchases. balance transfers,overdraft
Youmaymakepayments throughourwebsiteof byoneofourcustomer
electronically advances, cashadvances. or MyChaseLoans;
servicephonenumbers above.In usinganyofthesechannels.you areaulhorizing us
towithdrawfundsasa one-timeelectronic fundstransferfromyourbankaccount. 2.the datethe payeedepositsthecheck- for newcashadvancechecksor
Inourautomated phonesystern.thisauthorization isprovidedviaentryofapersonal balance transferchecks;
Identificationnumber.You mayrevokethisauthoriz
Preview
FILED: ULSTER COUNTY CLERK 04/19/2024 02:09 PM INDEX NO. EF2024-340 NYSCEF DOC. NO. 8 RECEIVED NYSCEF: 04/19/2024 o m SD_Sworn ====i ==== = === === 5; -a -o (D FILED: ULSTER COUNTY CLERK 04/19/2024 02:09 PM INDEX NO. EF2024-340 NYSCEF DOC. NO. 8 RECEIVED NYSCEF:Doc 04/19/2024 Page 2 of 9 EfØ R E WA R D S VISA- CARDS FRoM CHASE E Manage your account online: --w.cna.e.com .n.. customer service: 1-soo-soo-es75 --- Mobile: Download the onase moni,ee ap, ,o,ay New Balance Auqum 2023 $4 5457.01 DISNEY REWARDSDOLLARS S M T W T F S Previous Rewards Dollars balance 0.00 Minimum Payment Due + 1% Eam on all purchases 0.00 1 2 S 4 5 $1,112.00 - Rewards Dollars tmslrd to Redemption Card 0.00 7 * S '° '' '² * '4 '6 'S '7 'S eaymentDueDate =TotalRewards Dollars avail. for 'S 08/13/23 redem tion O.00 20 21 22 23 24 25 26 Please visit DisneyRewards.oom or call 1-s00-300-s57s to 27 28 29 30 31 1 2 transfer your Disney Rawards Dollars to a Disney Rowards 3 4 5 6 7 a 9 Redemption Card or if you have any questions about your Rewards Dollars. Late Payment Warning: If we do not receive your minimum paymen t by the date Iisted above, you may have to pay a late fee of up to $40.00 and your APR's will be subject to increase to a maximum Penalty APR of 29.990 Minimum Payment Warning: If you make only the minimum paymont eaoh period, you will pay more In interest and it will take you longer to pay off your balance. For example: If you mako no You will pay off the And you will end up additional charges balance shown on this paying an estimated using this card and statement in about... total of... each month you pay... Only the minimum 12 years SB,879 payment If you would like information about credit oounseling services, call 1-866-797-2886. CO ACCOUNTSUMMARY O Account Number: 3210 co Provlous Balance $4,380.79 Payment, Credits $0.00 (D Purchases $0.00 Cash Advances $O.00 O Balance Transfers $0.00 O Fees Charged SO.OO Interest Charged +$76.22 ".p New Balance $4,457.01 Opening/Closing Date 06/17/23 - 07/10/23 Credit Limit $S,s00 Available Credit SO Cash Aooess Une $100 ¦ Available for Cash SO E Past Due Amount $992.00 Balance over the Credit IJmit $657.01 O O E O YOUR ACCOUNT MESSAGES O New York Residents: New York residents may contact the New York State Department of Financial Services at 1-800-342-3736 or go to www.dfs.ny.gov to obtain a comparative list of credit card rates, fees, and grace periods. You are over your credit line/credit access line by $657.01. You can pay down your balance faster by including this arnount with your payment. This Statement is a Facsimile - Not an original 1iE7 EfØ R E WA R D S ISA- CARDS FRoM CHASF P.O. BOX 15123 The Past Due Payment Due Date: 08/13/23 WILMINGTON, DE 19850-5123 amount of $992.00 le New Balance: $4,457.01 included In your Minimum Payment Due: $1,112.00 Minimum Payment. Account number: 3210 Amount Enclosed Make/Maigto Chase card Services at theaddress below: SUSAN E DALTON 71 DEERHAVEN LN GARDINER NY 12525-5627 CARDMEMBER SERVICE PO BOX 1423 CHARLOTrE NC 28201-1423 FILED: ULSTER COUNTY CLERK 04/19/2024 02:09 PM INDEX NO. EF2024-340 NYSCEF DOC. NO. 8 RECEIVED NYSCEF:Doc04/19/2024 Page 3 of 9 To contact us regartHng your account: --- Call Custorner Service: In U.S. 1-800-300-8575 Spanish 1-888-446-3308 Pay by phone1-800-436-7958 Send Inquiries to: Mail Payrnents to: Visit Our Website: International 1-302-594-8200 P.O. Box 15298 P.O. Box 1423 WWW-chase.corn/cardhelp We accept operator relay calls Wilrnington, DE 19850-5298 Charlotte, NC 25201-1423 information AboutYourAccount orchecktransaction cashadvance, IntheamountstatedinyourAccountAgreement. °0 MakingYourPayments:Thearnountof your paymentshouldbe at leastyour t ansa onf omeaccounts. aseseeyow AccountAgnmment for Wormation minimumpayment due.payableIn U.S.dollarsanddrawnonor payable througha U.S.financialInstitution or theU.S.branchof aforeignfirencialinstitution. Youcan paydownbalances lasterby payinDrnorethantheminirnurnpayment or thetotal Weaddtransactions andfeestoyourdailybalance noearlierthan: unpaidbalance onyouraccount, -for newpurchases, balance 1.thedateofthetransaction transfers,overdraft Youmaymakepayments electronically throughourwebsiteor byoneofourcustomer advances, cashadvances, or MyChaseLoans: servicephonenurnbers above.In usinganyofthesechannels. youareauthorizing us to withdrawfundsasa one-timeelectronic fundstransferfrornyourbankaccount. 2.thedatethe payeedepositsthecheck- for newcashadvance checksor Inourautomated phonesystem,thisauthorization Isprovidedviaentryofapersonal balance transferchecks; Identificationnumber. Youmayrevokethisauthorization bycancelNng yourpayment 3.thedateofarelatedtransaction, thedatetheyorepostedtoyouraccount.or throughourwebsiteor custornerservicetelephone numbersprIorto thepayment thelastdayofthebillingcycle,whichever wemaychoose-for fees processing. If we receiveyourcompletedpaymentrequestthroughoneof these channels by t1:59p.m.Eastern Time,wewill credityourpayrnent asof thatday.If HowToAveldPayIngInterestOnPurchases: Yourduedatewillbeamlnimurnof 21 wereceiveyourrequestafter11:59p.m.Eastern Time.wewlHcredityourpayment daysalterthecloseofeachbHIIng cycle.If youpayyouraccount(orInterestSaving asof thenextcalendar day,If youspecifyafuturedateInyourrequest wewillcredit Balance) Inlull eachbililngperiodby thedateandLimedue.nointerestIscharged yourpayment asof thatday- onnewpurchases monthtomonth.Also,wewillnotIgnpose interestchargeson any If youpayby regularU.S.mailto thePayments portionof a purchase addressshownon thisstatement, balance yourepaywhilethatbalance is subjectto anInterest- writeyouraccountnumberonyourcheckor moneyorderandInclude freepedod.Subjectto any Interest-free thepayment periodfor newpurchases. wewill begin couponIntheenvelope. Donotsendrnorethanonepayment chargingInteresttromthedatea transaction orcouponperenvelope. (includinganybalance transfer.cash Donotstaple.clip or 1apethedocuments. Donot Includecorrespondence. advance or overdraftadvance). Donot feeor interestchargoIsaddedtoyourdallybalance sendcash.If wereceiveyourproperlyprepared untilyour accountis paldIn full. Secause paymenton anydayby 5p.m.local we applypayments in excessof your timeatourPayments address on this statement, rninimum wewill creditto youraccountthat payment firsttohigherratebalances, youmaynotbeabletoavoidInterest day.If yourpayment Is received after5 p.m.localtimeat ourPayments charges onnewpurchases addresson Ifyouhaveanotherbalance atahigherInterestrateunless thisstatement, wewillcreditIttoyouraccount asofthenextcalendar Youpayyourhalance day. (or InterestSavingBalance) Infulleachmonth. Forallotherpayments orfor anypayment CloditLimit:If youwantto Inquireaboutyouroptionsto helppreventyouraccount typeaboveforwhichyoudonotfollowour payment instructions. credillngofyourpayments maybedelayed fromexceeding for upto5 days, youroreditlimit.pleasecallthenumberonthebackofyourcard. AccountInformation ReportedToCreditBureau:We mayreportInformation WhatToDoIf YouThinkYouFindA MlstakeOnYourStatement: about If youthinkthere yourAccounttocreditbureaus. Latepayments, missedpayments is anerroronyourstatement, or otherdefaults wrileto usona separate sheetatCustomer Service, onyourAccount maybereflected RO·Box15299.Wilmington, Inyourcreditreport.11youthinkwehavereported DE19850-5299. Inaccurate Information to acreditbureau,pleasewriteto usatChaseCardServices Inyourletter,giveusthefollowingInforrnation: P.O.Box15369.WnmIngton, DE19850-5369. " AccountInformation: YournameandAccountnumbat ToServiceAndManageAnyof YourAccount(s):Byprovidingmy mobilephone number,I am givingpermissionto becontactedat that numberaboutallof my " Dollaramount:Thedollararnountof thesuspected error. accountsby JPMorgan Chaseandcompanies workingon Its behalf.My consent "Descriptionof Problem:If youthinkthorois anerroron yourbill,describe allowsthe useof text messages, artificialor prerecorded voicemessages and autornatic dialingtechnology for Informational andaccountservicing,bul notfor whatyoubelieveis wrongandwhyyoubelieveItis amistake. salesor tolernarketing. Message anddataratesmayapply' Youmustcontactuswithin60daysaftertheerrorappeared onyourstatement. 0) Authoriza1lon ToConvertYourCheckToAnElectronicTransferOeb11: Whenyou Youmustnotifyus of anypotentialerrorsInwriting.YouInaycallusor notify us provideacheckaspayrnent, youauthorizeus eliberto useinformation fromyour electronically,butIfyoudowearenotrequiredtoInvestigate anypotenital errorsand checkto makeaone-timeelectronicfundiransferfromyouraccountorto process youmayhaveto paytheamountInquestion. thepayment asacheck.Yourbankaccountmaybedebltedassoonasthesameday wereceive yourpayment. Youwill notreceiveyourcheckbackfromyourinstitution. WhileweInvestigata whetheror nottherehasbeenanerror,thefollowingaretrue: Conditional Payrnents: Anypaymentcheckor olhertorrnof payrnent - Wecannottry to collectthearnountinquestion. thatyousend orreportyouasdelinquent on usforlessthanthefullbalance duethatis rnarked"paidInfull" orcontains a signilar thatarnount. notation,or thatyouotherwisetenderin full satisfacitonof a disputedamount. O mustbesentto CardServices,RO.Box15049.Wilrnington,DE19850-5049. "ThechargeInquestionmayremainonyourstatement, We andweInaycontinue reserveallourrightsregarding thesepayments (e.g.,II it is determined to chargeyouinterestonthatamount.But,if wedetermine thereis no thatwemadea validdisputeor 11anysuchcheckIs receIved at unyotheraddress,wemayeccept mistake,youwill nothaveto paytheamouritin questionor any Interestor thecheckandyouwill still oweanyromalningbalanco), Wemayrefuseto accept otherfeesrelatedto thatamount, q) anysuchpayrnent by retumingIt to you,notcashingIt or destroying it. Allother "Whileyoudonothaveto paytheamountInquestion, youareresponsible for payments thatyoumakeshouldbesientto theregularPaymentaddress shownon theremainder of yourbalance. W thisstatement 4 ,, annual " WecanapplyanyunpaidamountagainstyourcreditIlmit. AnnualRenewalNotice:If yourAccount A greement hasan rnembership fee,youareresponsible tor It everyyearyourAccotmtIs open.Wewill addyour YourRightsIf YouAreOlssetisfied WithYourCredi1CardPurchases: 11you are annualmembership feetoyourmonthlybillingstatement onceayear,whether or not dissatisfiedwlth thegoodsorservicesthatyouhavepurchased withyourcreditcard, E youuseyouraccount.Yourannualmembership endyouhavetriedingoodlaithto correcttheoroblemwiththemerchant, feewill beaddedtoyourpurchase you may balance andmayIncurInterest. Theannualmembership feelonon-refundable unless haveIherightnotto paytheremaining amountduoonthepurchase. Q younotlfyusthatyouwishtocloseyouraccountwithin30daysor onebillingcycle Tousethisright,allofthefollowingmustbetrue: (Whichever Is less)afterweprovidethestatement onwhichtheannualmembership feeIsbilled.Yourpaymentof theannualmembership feedoesnotalfectourrights1.Thepurchase musthavebeenmadeInyourhomestateor within100miles tocloseyOUr Accountandto limityourrightto rnaketransactions onyourAccount-of yourourrentmailingaddress,andthepurchase pricemusthavebeen E I r co n closedbyyouor u%theannualmembersNp feewWnolongerbe morethan$50.(Note:Nellherof thesearenecessary If yourpurchase was O basedonanadvertisement wernalledtoyou,or llweownthecompany that CalculationOfBalanceSubjectToInterestRate:Tofigureyour periodicinterest soldyouthegoodsor services.) chargesfor eachbillingcyclewhena daily periodicrate(s)applies,we usethe 2.Youmusthave used yourcredit c ardforthepurchase. Purchases made whh dailybalance method(includingnewtransactions).Tofigureyourperiodic I nterest cashadvances fromanATMor withacheckthataccesses yourcreditcard chargesfor cachbillingcyclewhena monthlyperiodicrate(s) applies,weusothe Accountdonotqualify. averagedullybalancemethod(includingnewtransactions). Foranexplanallon of eithermethod,or questionsabouta particularintarostchargeonlculallononyour 3.Youmustnotyethavefully paidforthepurchase. statement, callusatthetollfreecustomer please servicephonenumberlistedabove. ifalloftheeriteriaabovearemetandyouare stilIdissatisfiedwIththe purchase, contact WecalculateperiodicInterestchargesseparatelyfor eachfeature(for example" usin writingatCustomer Service,P.O.Box15299,Wilmington, DE19850-5299. purchases,balancetransfers,cash advancesor overdraftadvances). These calculations withthesarneperiodicrates.Variable WhileweInvestigate, rnaycombinedifferentcategories the samerulesapplyto thedisputedamountas discussed rateswill verywiththe marketÞasedon thePrimeRateor suchIndexdescribed above.Afterwetinishourinvestigation, wewill lellyouourdecision. Atthatpoint,11 in yourAccountAgreement. feefor eachbalance ThereIn a transaction transfer, wethinkyouoweanamountandyoudonotpaywemayreportyouasdelinquent. MAO5D42021 To manage your account, including card payments, alerts, and change of address, visit www.chase.com/carclhelp or call the customer service number which appears on your account statement. L FILED: ULSTER COUNTY CLERK 04/19/2024 02:09 PM INDEX NO. EF2024-340 NYSCEF DOC. NO. 8 RECEIVED NYSCEF:Doc04/19/2024 Page 4 of 9 Manage your account onHne: customer service: - .-- R E WA R DS www.chase.com/disnav 1-800-300-8575 MobIre: Download he Chase MobHe®app today VISA* CARDS FRo M CHASE YOUR ACCOUNT MESSAGES (CONTINUED) Your account is closed and no longer availablo for use. Cardmernber ID: Use your Cardmember ID for special IImited-time promotions. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaotion Description $ Amount INTEREST CHAVGED 07/16 PURCHASE INTEREST CHARGE 76.22 TOTAL INTEREST FOR THIS PERIOD $76.22 2023 Totala Year-to-Date Total fees charged in 2023 $224.00 Total interest charged in 2023 S495.35 Year-to-date totals do not reflect any fee or interest refunds you may have received. INTEREST CHARGES Your Annual Percentage Rate (APR) is the annual interest rate on your account N Annual Balance Balance Type Percentage Subject To Interest N Rate (APR) Interest Rate Charges C) PURCHASES . O Purchases 20.99% (v)(d) $4,417.50 $76.22 o CASH ADVANCES O Cash Advances 29.99%(V)(d) - O- - O- C BALANCE TRANSFERS .9 Balanoe Transfers 20.99%(v)(d) - O- - O- 30 Days In Billing Period 0 (v) = Variable Rato (d) - Daily Balance Method (lnoluding new transactions) (a) - Average Daily Balance Method (Inoluding new transactions) C Please see Information About Your Account section for the Calculation of Balanoe Subject to Interest Rate, Annual Renewal Notice, How to Avold Interest on Purchases, and other important Information, as applicable. E O O Q C IMPORTANT NEWS o (a Help protect yourself today. Be In control of your tomorrow. There are tips and tools you can start using now to help you better protect your accounts from fraud and financial abuse as you or a loved one gets older. To get started, please visit chase.com/FinancialAbuse FILED: ULSTER COUNTY CLERK 04/19/2024 02:09 PM INDEX NO. EF2024-340 NYSCEF DOC. NO. 8 RECEIVED NYSCEF: Doc04/19/2024 Page 5 of 9 8 s 2 9 Pa9e yo of y FILED: ULSTER COUNTY CLERK 04/19/2024 02:09 PM INDEX NO. EF2024-340 NYSCEF DOC. NO. 8 RECEIVED NYSCEF:Doc04/19/2024 Page 6 Of 9 REWAR DS E Manage your account online: .chase.com/dinnev customer service: 1-800-300-8576 -- MoblIe: Download the Chase Mobile®app today VISA* CARDS FRo M CHASE New Balance March 2023 DISNW REWARDS DORARS S M T W T F S $3,937.47 Previous Rowards Dollars balance 83.17 Minimum Payment Due + 1% Eam on all purchases O.00 1 2 S 4 $383.00 - Rewards Dollare tmelrd to Redemption Card O.00 5 e 7 8 9 10 '' PaymontDueDate = Total Rewards Dollars avail. for '² '' '4 '° '° '7 'S 03/13/23 redemption 63.17 19 20 21 22 23 24 25 2.27 Rewards Dollars will expire on statement in December 26 27 28 29 30 S1 1 2025 2 3 4 5 6 7 8 4.72 Rewards Dollars will expire on statement in January 2026 I.ate Payment Warning: If we do not receive your minimum payment 0.79 Rewards Dollars will expire on statement In February 2026 by the date listed above, you may have to pay a late fee of up to Please visit DisneyRewards.com or call 1-800-300-8575 to $37.00. transfer your Disney Rewards Dollars to a Disney Rewards Minimum Payment Warning: If you make only the minimum Redemption Card or If you have any questions about your payment each period, you will pay more In Interest and it will tako you Rowards Dollars. longor to pay off your balance. For example: You eam 1% in Rewards Dollars on purchases with your Disney® Visa® Card. Every Rowards Dollar you earn is equal to If you make no You will pay off tho And you will end up S1 when redeeming toward Disney products and offerings. additional charges balanoe shown on this paying an estimated Disney Rowards Dollars are subject to the Disney Rewards using this card and statement in about... total of... Dollars Terms and Conditions for Disney® Visa® Credit Cards each month you pay... which were provided to you when you became a Cardmember. Please visit DisneyRewards.com or oall Chase Customer Service Only the minimum 14 yoars $8,793 If you have any questions about your Rewards Dollare or Disney payrnont Visa Card. If you would like information about credit counseling servicos, call © Disney and its relatod entities. 1-866-797-2885. ACCOUNT SUMMARY H OJ Account Number: 3210 O Previous Balance $3,950.54 Payment, Credits -$119.00 O) Purchases $O.00 Cash Advances $0.00 O Balance Transfers $O.00 Fees Charged +$37.00 Interest Charged +S88.93 New Balance $3,937.47 Opening/Closing Date 01/17/23 - O2/16/23 O Credit Limit $3,800 Available Credit SO Cash Access Line $190 C Available for Cash SO Past Due Amount S238.00 E Batance over the Credit 1..Imit $137.47 O O O E O YOUR ACCOUNT MESSAGES O New York Residents: New York residents may contact the New York State Department of Financial Services at 1-800-342-3736 or go to www.dfs.ny.gov to obtain a comparative list of credit card rates, fees, and grace periods. You are over your credit lineforedit access line by $137.47. You can pay down your balance faster by including this amount with your payment. l'lllS Statement IIS a I-aCSilmil 0 - NIOt an Original Sif REWA R DS VgSA- CARDS FROM CHASE P.O. BOX 15123 The Past Due Payment Due Date: 03/13/23 WI INGTON, DE 19850-5 23 amount of $238.00 is New Balance: $3,937.47 included in your Minimum Payment Due: $383.00 Minimum Payment. Account number: 3210 $ . Amount Enolosed Make/Mail to Chase Card Servloes at the address below: SUSAN E DALTON 71 DEERI-IAVEN LN GARDINER NY 12525-5527 CARDMEMBER SERVICE PO BOX 1423 CHARLOTTE NC 28201-1423 Pkg Page 11 Of 16 FILED: ULSTER COUNTY CLERK 04/19/2024 02:09 PM INDEX NO. EF2024-340 NYSCEF DOC. NO. 8 RECEIVED NYSCEF:Doc04/19/2024 Page 7 of 9 To contact us regarding your account: CaH Cusiorner Servloe: In U.S. 1-800-30Cº8575 Spanish 1-888-446-3308 Pay by phone1-800-436-7958 Send Irtquiries to: Mail Payments to: Visit our Website: Internat]onal 1-302-594-8200 P.O. Box 15298 P.O. Box 1423 www.chase.corri/cardhelp We accept operator relay calls Wilrntngton, DE 19850-5298 Charlotte, NC 28201-1423 Ingormation AbouIYourAccount cashadvance, orchecktrarisaction Intheamountstatedin yourAccountAgreernent. Thereis a foreigntransaction feeof 3%of theU.S.dollaramountof any foreign MakingYourPayments:Thearnountof your paymentshouldbe at leastyour transaction for someaccounts.Pleasa seeyourAccountAgreement for Information minimumpayrnent due,payable In U.S.dollarsanddrawnonor payable througha aboutthesefees. U,S.financialInstliutionor theU.S.brancho1aforeignfinancialInstitution. Youcan paydownbalances fasterby payingmorethanthe rninlmumpayment or thetotal Weaddtransactions andfeestoyourdailybalance noearlierthan: unpaidbalance onyouraccount. 1.1hedateofthetransaction -for newpurchases. balance transfers,overdraft Youmaymakepayments throughourwebsiteof byoneofourcustomer electronically advances, cashadvances. or MyChaseLoans; servicephonenumbers above.In usinganyofthesechannels.you areaulhorizing us towithdrawfundsasa one-timeelectronic fundstransferfromyourbankaccount. 2.the datethe payeedepositsthecheck- for newcashadvancechecksor Inourautomated phonesystern.thisauthorization isprovidedviaentryofapersonal balance transferchecks; Identificationnumber.You mayrevokethisauthoriz