FILED: GREENE COUNTY CLERK 05/06/2022 09:11 AM
`NYSCEF DOC. NO. 6
`
`INDEX NO. EF2022-9
`
`RECEIVED NYSCEF: 05/06/2022
`
`SUPREME
`COUNTY
`
`OF THE STATE
`COURT
`OF GREENE
`
`OF NEW YORK
`
`SYNCHRONY
`
`BANK
`
`PLAINTIFF,
`
`DEFENDANT(S).
`
`-AGAINST-
`
`NUMBER
`INDEX
`FILE NO. G1746494
`OF FACTS
`AFFIDAVIT
`
`EF2022-9
`
`A15511515815151855l|E5555
`
`R
`
`1 of 22
`
`

`

`FILED: GREENE COUNTY CLERK 05/06/2022 09:11 AM
`NYSCEF DOC. NO. 6
`
`INDEX NO. EF2022-9
`
`RECEIVED NYSCEF: 05/06/2022
`
`SUPREME
`
`COURT
`
`OF THE STATE OF NEW YORiC
`
`COUNTY
`
`OF
`
`Creditor
`Debtor
`Account
`
`Bank
`Name:
`Synchrony
`JAYM1 SCOZZARI
`Name:
`Number:
`****************2049
`
`I N DE X N O.
`
`AFFIDAVIT
`
`OF FACTS BY ORIGINAL
`
`CREDITOR
`
`STATE OF FLORIDA
`:SS
`COUNTY
`
`OF SEMINOLE
`
`the undersigned
`BEFORE
`ME,
`authority
`day, DARI US M Ch11LLAN,
`and who
`after
`
`personally
`being
`duly
`
`appeared
`known
`and personally
`by me,
`and says as follows:
`sworn
`deposed
`
`this
`
`1.
`
`to Plaintiff's
`of and access
`knowledge
`and I have personal
`of Plaintiff,
`I am an employee
`to the
`electronic
`("Business
`books
`and records
`records,
`Records"),
`relating
`including
`number
`of
`the Account
`four
`SCOZZARI
`. The last
`of JAYMI
`account
`digits
`("Account")
`of Plaintiff's
`procedures
`knowledge
`I have
`In my position,
`personal
`****************2049.
`were made
`Records
`for
`Business
`Plaintiff's
`its Business
`and maintaining
`Records.
`creating
`of such busine ss to make
`course
`in the regular
`and it was the regular
`course
`of business
`of
`the events
`recorded.
`the Business
`Records.
`The records
`were made
`at or near
`the time
`the facts
`Based
`I have
`of
`on my review
`of Plaintiff's
`personal
`knowledge
`Business
`Records,
`in this affidavit.
`set
`forth
`
`are
`
`Defendant
`("Agreement").
`agreement
`and Defendant
`2, Plaintiff
`a credit
`into
`entered
`pursuant
`provided
`to the
`to pay Plaintiff
`and cash advances
`services
`for all goods,
`by Defendant
`was $165.00,
`Agreement.
`The amount
`of
`the last payment,
`if any, made
`made
`on 04/01/2021.
`Defendant
`is now in default-and
`demand
`for payment
`has been
`and correct
`the account.at
`the time
`of charge-off
`A true
`of
`the terms
`made.
`governing
`copy
`as an exhibit
`to this affidavit.
`is attached
`
`agreed
`
`3.
`
`knowledge
`personal
`I have
`statements
`to customers.
`accouIt
`periodic
`statements
`sent
`one or more
`account
`$ 5,814.01
`amount
`due as
`last
`known
`and Plaintiff's
`address
`by the post
`office
`that
`returned
`or
`the account
`of
`copy
`statement(s)
`this
`4. At
`time, Defendant
`owes
`$5,854.01
`balance
`post-charge-off
`of $5,854.01,
`$0.00
`less any post-oharge-off
`credits
`0.00
`of
`
`It
`
`account
`and mailing
`for generating
`procedures
`of Plaintiff's
`to provide
`business
`of Plaintiff's
`practice
`is the regular
`06/21/2021
`On or about
`, Plaintiff
`to its customers.
`to Defendaht
`statement-s
`to the Account
`the
`stating
`relating
`were mailed
`. The account
`to Defendant's
`statement(s)
`were
`the statement(s)
`records
`do not
`reflect
`that
`the Defendant
`A true
`and correct
`objected
`to them.
`to this affidavit.
`is attached
`as an exhibit
`
`amount
`This
`on the Account.
`post-charge-off
`interest
`of $0.00,
`made
`by or on behalf
`or payments
`
`a charge-off
`includes
`fees and charges
`of
`the Defendant
`
`of
`
`/
`
`5. Based
`of.the
`upon my search
`it
`is my belief
`website,
`(SCRA)
`6. To the best of my knowledge
`received
`notification
`any written
`
`Department
`of Defense
`is not
`that
`the Debtor
`
`and belief
`that
`
`the Defendant
`the cardholder
`
`Members
`service.
`
`Civil Relief
`
`Act
`
`Service
`in military
`nor has the Plaintiff
`a minor
`is not
`incapacitated.
`is mentally
`
`deponent
`WHEREFORE,
`cost s and disbursements
`
`demands
`of
`this
`
`judgment
`action.
`
`against
`
`Defendant
`
`for $5,854.01,
`
`together
`
`with
`
`the
`
`Version
`
`ID:Version:.1.02
`
`NY 06-07._2020
`
`2 of 22
`
`

`

`FILED: GREENE COUNTY CLERK 05/06/2022 09:11 AM
`NYSCEF DOC. NO. 6
`
`INDEX NO. EF2022-9
`
`RECEIVED NYSCEF: 05/06/2022
`
`The above
`
`statements
`
`are true
`
`and correct
`
`to the best of my personal
`
`knowledge.
`
`MediaAffidavitSenior
`DARIUS
`MCMILLAN
`
`Representative,Affiant
`
`04/07/2022
`
`The forgoing
`
`affidavit
`
`sworn
`
`to and subscribed
`
`before me this
`
`7 day of April
`
`, 2022.
`
`Of
`Notary
`
`C.
`
`Public
`
`My
`
`commission
`
`expires:
`
`(2
`
`0
`
`.
`
`JOSE C..RODRIGUEZ
`Notary Pubilo-State of Florida
`Commission # HH 204096
`My Commission Expires
`December 05, 2025
`
`,
`
`Version
`
`ID:Version:
`
`1.02_NY
`
`06_07
`
`2020
`
`3 of 22
`
`

`

`FILED: GREENE COUNTY CLERK 05/06/2022 09:11 AM
`NYSCEF DOC. NO. 6
`
`INDEX NO. EF2022-9
`
`RECEIVED NYSCEF: 05/06/2022
`
`. NY CoC CERTIFICATE
`NYS CLS CPLR § 2309(c)
`
`OF CONFORMITY
`AND NYS CLS RPL
`
`UNDER
`§ 299-a
`
`The
`
`undersigned
`
`does
`
`hereby
`
`certify
`
`that
`
`he/she
`
`is an attorney-at-law
`
`duly
`
`admitted
`
`to
`
`practice
`
`in the State
`
`of Florida
`
`and residing
`
`in the State
`
`of Florida;
`
`that
`
`he/she
`
`is a person
`
`qualified
`
`to make
`
`this
`
`certificate
`
`of confonnity
`
`pursuant
`
`to Section
`
`299-a
`
`ofthe
`
`Real Property
`
`duly
`
`Law
`
`of
`
`the State
`
`of New York;
`
`that
`
`he/she
`
`is fully
`
`acquainted
`
`with
`
`the laws
`
`of
`
`the State
`
`of Florida
`
`to the acknowledgment
`
`or proof
`
`pertaining
`
`of affidavits;
`
`that
`
`the acknowledgement
`
`or proof
`
`upon
`
`the foregoing
`
`Ãffidavit
`
`of Darius
`
`McMillan
`
`was
`
`taken
`
`by Jose C. Rodriguez,
`
`a notary
`
`public
`
`in
`
`the State
`
`of Florida,
`
`in the manner
`
`prescribed
`
`by the laws
`
`of
`
`the State
`
`of
`
`Florida,
`
`being
`
`the state
`
`in which
`
`the Affidavit
`
`was taken;
`
`and, based
`
`on his/her
`
`review
`
`thereof,
`
`that
`
`the notarized
`
`Affidavit
`
`conforms
`
`to the laws
`
`of
`
`the State of Florida
`
`in all
`
`respects.
`
`Wit.ness my signatures
`
`7th day of April,
`
`2022
`
`Alexandria
`
`Gordon
`
`Attorney-at-law,
`
`State
`
`of Florida.
`
`4 of 22
`
`

`

`FILED: GREENE COUNTY CLERK 05/06/2022 09:11 AM
`NYSCEF DOC. NO. 6
`
`INDEX NO. EF2022-9
`
`RECEIVED NYSCEF: 05/06/2022
`
`501Tr$ClUb
`
`JAYMISCO22ARI
`AccountNumberendingIn 2049
`Sam'sClub"Mastercard"
`
`f
`
`synchrony
`
`.
`
`'
`
`Information
`Payment
`NewBalantee: f
`AmotintPastDue:
`TotalMinimumPaymentDue:
`OverilmItAmount:
`PaymentDueDate:
`
`E.atePaymentWarning:1h9adonotreceiveyourTcialMinimumPayment
`DuebythePaymentDueDatelistedabove,youmayhavetopayatalefee
`upto$40.00.
`MinimumPaymentWarning:IIyoumakeonlytheminimumpaymenteach
`period,youwillpaymoroinInterestandItwilltakeyoulongertopayoff
`yourbalance.Forexample:
`
`Paymentsmustberecolvedby5pmETon
`$5,814,01
`07/14/2021IImalled,orby11:59pmETon
`$1,147,00
`07/l4/2021foronlineandphonepayments.
`$1,357.00
`NewYorkresidentsmaycontacttheNewYorkState
`$174.01
`07/14/2021 DepartmentofFinanolalServicesbytelephoneor
`visitItswebsiteforfreeinformallononcomparative
`cradltcardrates,feasandgraceperiods.NYState
`DeptofFinancialServices:1-800-342-3786
`httpUAWAv.dfs.ny.gov
`
`On'.ythem'n.mum
`payment
`IfyouwouldlikeInformallonabout creditcounselingservices,call
`1-877"302"8775.
`
`14years
`
`$122003
`
`Account Suminär^
`PreviousBalanceasof 05/22/2021
`FeesCharged
`interestCharges
`NewBalanceasof 06/21/2021
`31 DayBillirigCyclefrom05/22/2021to06/21/2021
`
`$5,662.64 CreditLimit
`AvailableCredit
`+ 40,00
`+ f 11.37 CashAdvance/QulckCashLimit
`$5,814.01 AvailableCash
`
`$5,040
`$0
`$1,008
`$0
`
`Garn
`YOU COUGd
`RWrathan
`ever
`onSamiClub5ourchaseswith
`yomSamsClub*Mastercards
`wnenyou vagrace to Pius.
`
`)
`
`% BACK
`on
`anywhere
`(Onfirst$6,000
`peryear,thenW)
`
`% BÅCK
`dnswsciuL
`purchasesfor
`Plusmembers
`Clubmernbers-
`earp1%
`__
`
`So many
`ways to eam
`cash back *
`
`an dining
`an;i takeout
`
`on other
`purchsses
`
`3ue;ecstocred:teporovatseayour"HowtocamCahBackvdthyour$a QahM2smreard*rewardProga
`
`we
`
`£
`
`6709
`
`HFG
`
`1
`
`14601100A60201FS6709
`
`EXPAGE1 of 3
`7 19 210621
`UseblooorblackInk, AccountNumber
`detach&mal(wkhyoUf NewBalance
`checKTotallYIlnlmumPaymentDue
`PaymentDuoDate
`
`2049
`$5,614.01
`$fø$7.00
`07/14/2021
`
`Amount
`) PastDue
`$1,147.00
`
`OverlImit
`Amount
`S774.01 Noothercorrespondenceplease.
`Printnewaddressoremallchangesonback.
`
`JAYMISCOZZARI
`57HEATHERLN
`CAIRONY12413-2113
`
`li|ppililpligigpilHlrPIllllPhalHiglPl'mldP"llril
`
`HN11H,ÆIa ilpiglÆIIIpllpghhItWlll'llil'PPlli
`MakeSAM'SCLUBMC/SYNcB
`PaymentP.O.BOX960013
`to:ORLANDO,FL32896-0013
`
`5 of 22
`
`

`

`FILED: GREENE COUNTY CLERK 05/06/2022 09:11 AM
`NYSCEF DOC. NO. 6
`
`INDEX NO. EF2022-9
`
`RECEIVED NYSCEF: 05/06/2022
`
`Onless
`CustomerService;foraccountinfonna6onicalithenumberonthofrontofthlestatementFerHearingorspeechdisablilt{os,useaTRS
`yournamelslistsdonthlsslatement,youraccesstointormationonUmaccountmaybelimited.Youmayalsomailqueshns(butnotpayments)to:P.0.Box
`985004,0tlando,FL32896·5004.Pleasoindudeyouraccountnumberonanyconespondenceyousandfous,
`syordno.
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`fonnation.Telephonia
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`do,FL42898-5003.
`preserveyourrights,pleasewnletoourBirmgingidesAddress,.P.O.Box965U03,0
`Purchases,retums,andpaymentsmadejustpilorlobilingdatemaynotappearuntilnextmonth'sstatementWhenyoupmvideacheekaspaymentyou
`authorizouseithertousolntormationtomyourchecktomakoaone4imoelecIroniofundtransforfmmyouraocounlottopscossthepaymentasacheck
`transacion,WhenwousolnformatonfmmyourchecktomakeanetectNnlofundtransfer,fundsmaybewithdrawnfNmpouraccountessoonasthesame
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`Street
`Address
`State
`Phone#
`Email'
`
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`
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`
`.
`
`*HomePhone#'BusinessPhone#'Cell#orothorphone# ''EmallAddress
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`addresswitnSam'sClub.
`
`s=
`
`6 of 22
`
`

`

`FILED: GREENE COUNTY CLERK 05/06/2022 09:11 AM
`NYSCEF DOC. NO. 6
`
`INDEX NO. EF2022-9
`
`RECEIVED NYSCEF: 05/06/2022
`
`sari's club0
`
`»-
`
`JAYMISco2ZARI
`AccountHumberendingIn2049
`Sam'sClub°Mastercard"
`
`,o
`
`. MMAtt0mo0Y
`SYnchrony"
`pf
`
`Cash Back Summary
`PriorCashBackBalance
`5%earnedonGas
`3%eamedonDining
`1%earnedonotherpurchases
`CunentCashDackEarned
`TotalCombinedEarned
`
`Transaction Detall
`Date Reference#
`TotalFeasChargedThisParlod
`06/14
`Total1nterestCharqedThisPeriod
`06/21
`06/21
`
`-
`
`$000
`$000 .
`$000
`$000
`$000
`$0CO
`
`SA
`
`Ñ
`
`Descrip1Ion
`
`I.ATEFEE
`INTERESTCHARGEONPURCHASES
`INTERESTCHARGEONCASHADVANCES
`
`Amount
`S40.00
`$4000
`$111.37
`$94.68
`$16.69
`
`interest Charge Calculation
`YourAnnualPercentageHate(APR)istheannualintemstrate.onyouraccount.
`
`MaVadableRate
`
`Cardholder News and Information
`TheAnnualPercentageRate(APR)forPurchaseswillapplytoBalanceTransfersIftheyoremadeavailabletoyouandtheBalance
`TransfersarenotsubjecttoapromollonalAPR.
`Tomakeapaymentpleasevisitusonlinoormallyourpaymentusingthecouponbelow.Paymentsarealsoacceptedatyourlocal
`CheckFrecPay'orMonoyGmmlocations'.*Feesmayapply.
`DidyouknowyourMastercardoffersMastercardIDThettProtection.FormoreInformationaboulthisbenefitortoviewthecurrent
`benelltsofferedbyMastercard,pleasevisittwww.mastercard.com/corocredit-GTB.
`ifyouraccounthasadeferredInterestpromotionandyouwouldlikeUStoapplyapaymentonyouraccounttoaspecidobalance,
`pleasecallCustomersemicetodiscussoptionsthatmaybeavailable.
`Youcanpayyourbillonlineoroverthephone.Wenoticedyoy'vebeenenjoyingoureasypaperlesspaymentoptions,sowewillno
`longerbeincludingreturnenvolopes.Youcanmakethingseveneasierbyselectingthepaperlessstatementoptiononyouraccount
`on1lne.
`NOTICE:WemayconvertyourpaymentIntoanelectmnledeb1t.Seebackofpageonafordetails,81111ngRightsandotherimportant
`inlormation.
`, Member News and Information
`FormoreInformationabouttheSam'sClub*Mastercard*RewarProgramterms.lagonto
`24HourCreditCardServicephonenumberofthebackofyourcard.
`GogroonandsupporttheanvironmentwithpaperlessstatementsiAllyouhavetodoisvisit
`Registertodaytostartreceivingyourstatementsonline.
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`SamsclubCredit.comlcreditorcallthe
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`samsClubCreditcomdogintosignup.
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`6709
`
`llrJ
`
`1
`
`'I 19 210621
`
`BXPAGE2 of 3
`
`1468 1100A602o1Fs6709
`
`7 of 22
`
`

`

`FILED: GREENE COUNTY CLERK 05/06/2022 09:11 AM
`NYSCEF DOC. NO. 6
`
`INDEX NO. EF2022-9
`
`RECEIVED NYSCEF: 05/06/2022
`
`6')09
`
`HFJ
`
`1
`
`7 19 210621
`
`EXPAGE3 of 3
`
`14681100A60201FS6709
`
`8 of 22
`
`

`

`FILED: GREENE COUNTY CLERK 05/06/2022 09:11 AM
`NYSCEF DOC. NO. 6
`
`INDEX NO. EF2022-9
`
`RECEIVED NYSCEF: 05/06/2022
`
`Earr($ ClU
`
`JAYMISCO22ARI
`AccountNumberendingIn 2049
`Sam'sClub'Mastercard'
`
`-
`
`3P synchrony
`
`Information
`Payment
`NewBalance:
`AmountPastDue:
`TotalMinimumPaymentDue;
`0uarllmitAmount;
`PaymentDueDate:
`
`LatePaymentWoming:IfwedonotreceiveyourTotaiMinimumPayment
`DuebythePaymentDueDatelistedabove,youmayhavetopayalatetee
`upto$40.00.
`MinimumPaymentWarning:11youmakeonlytheminimumpaymentcach
`period,youwillpaymoreininterestanditwilltakeyoulongertopayoff
`yourbalance.Forexample:
`
`$5,517.G4 Paymentsmustberecolvedby6pmETon
`05/14/2021ifmailed.orby11:59pmETon
`$747.00
`05/14/2021foronlineandphonepayments.
`$945.00
`NewYorkresidentsmaycontacttheNewYorkState
`$477.64
`05/14/2021 DepartmentofFinancial$ervicesbytelephoneor
`visitItswebsiteforfreeinformationoncomparative
`creditcardrates,feesendgraceporlods.NYState
`DeptofFinancialservices:1-8004424736
`http:/Avww.dis.ny.gov
`
`Onlytheminimum
`payment
`IfyouwouldlikeInformationabout creditcounselingservices.call
`1-877-302-8775.
`
`15years
`
`$12,537.00
`
`.
`Account Summary
`PreviousBalanceasof OS/23/2021
`Payments
`FeesCharged
`InterestCharges
`NewBalanceasof 04/21/2021
`30DayBillingCyclefrom03/23/2021to 04/21/2021
`
`$53540.40 CreditLimit
`- 165.00 AvailableCredit
`-CashAdvance/QuickCashLimh
`+ 89.00
`+ 108.24 AvanableCash
`$5,517.64
`
`$5,040
`$0
`$1,008
`$0
`
`CQUld
`
`earn
`VO
`9Ver
`inOre
`'dlan
`onSarrisC(uMpurchaseswith
`yourSam%Club*Mastercard^
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`cash back
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`pun:hasesfor
`Plusmembers
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`on dining
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`on other
`purchases
`
`yosr$ns CN©Mastena Rs.v*rdhogrmfsotrt
`*$ybjectocrednappnyrd$enyaw"Howtoeam(cid:144)WhQackWh'
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`7 19 210421
`Useblueorblackink,AccountNumber
`detach4 mailwithyour NewBalance
`check-TotalMIntmumPaymentDue
`PaymentDueDate
`
`14681100A60201FS6709
`
`2049
`$5,517,64
`$945.60
`05/14/2021
`
`Amount
`PastDue
`$747.00
`
`Overilmit
`Amount
`8477.64
`
`AEncond
`Noothercorrespondenceplease.
`Printnewaddressoremailchangesonback.
`
`JAYMISCO2ZAffl
`57HEATHERLN
`CAIRONY12413-2113
`
`*]qlllujils|gidldl|]hhillphrglgllglighippyhil]þlgi
`MakeSAM'sCLUBMG/SYNCB
`PaymentP.O.BOX960013
`to:ORLANDO,FL32896-0013
`
`9 of 22
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`

`

`FILED: GREENE COUNTY CLERK 05/06/2022 09:11 AM
`NYSCEF DOC. NO. 6
`
`INDEX NO. EF2022-9
`
`RECEIVED NYSCEF: 05/06/2022
`
`CustomerService:Foraccountinfonnafon,calithenumberonthefNntofthissfatement,forHeringorSpeechdissMH1es,tisea7RS,Unless
`
`to:PABox
`theaccountmaybellmted,Youmayalsommuques6ons(butnotpayments)
`youraocessioinfonnagonen
`yournameislistedantivastatement,
`yousandtous,
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`youraccountnumbernna coneapondence
`965004,0dando,FL3289S6004.Pleaseinclude
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`Payments:Sendpayments(otheaddresslistcdonghoremitportionot
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`Notice:SeebelowforyourBil<ngRightsandolberimpedantmfonnallon, ningaboutb!81ngenoiswilnotpreseweyourilghteunder
`preserveyourdghts,pleasewritaloour8llinginquidesAddiess,P.O.BoxS65 ,0ñando,FL32696.6003.
`retumsandpaymenismadejustpriottob)rmgdatemaynota arunb1nextmontrisstatementWhenyoupmvideacheckaspaymentyou
`Purchases,
`authoszeuselihor'toussinformationfmmyourchecktomakeaone.Iimeckonlefundbandderhomyouraccouniortoprocessthopaymenteeac sk
`fundamaybewithdmwnfrornvouraccountassoonasthesame
`fmmyourchecktomakoanole:Ironiofundtransfer,
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`Youmayhoosenotto,haveyour ymentcollected
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`alethes ine esapto9ledsufedamountendiscussed
`a
`above.Afterwein1shourinvesbgalion,wewiltelyovourdecision.Atthat YourAccolmttsownedendsolvicedhySynchronyBank,
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`Forchangesofaddress,phonenumberandforemail,
`
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`hone#
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`'HomePhone# 'BusinessPhone#
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`wacanusetocontactyou
`aboulyouraccountandsisogivepermissionforustoshareyouromall
`y m addiess,youagreeloreceiveemagoommunkalions
`
`
`
`10 of 22
`
`

`

`FILED: GREENE COUNTY CLERK 05/06/2022 09:11 AM
`NYSCEF DOC. NO. 6
`
`INDEX NO. EF2022-9
`
`RECEIVED NYSCEF: 05/06/2022
`
`SOrds ClUb0
`
`.
`
`JAYMISCOZZARI
`AccountNumberendingIn2049
`Sem'sClub°Mastercard'
`
`spsynchrony
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`Cash Back Smnmary
`PriorCashBackBalance
`5%earnedonGas
`3%earnedonDining
`1%earnedonotherpurchases
`CurrentCashBackEarned
`TotalCombinedF..amed
`Transaction DetaÈ
`Reference#
`Date
`Payments
`-
`c4/01 85213332W00XSGH15
`TotalFoosChargedThisPeriod
`04/14
`TotalinterestChargedThisPeriod
`04/21
`04/21
`
`$0.00
`$0,00
`$0.00
`$0.00
`$0.00
`30.00
`
`(
`
`*
`
`.
`
`.
`
`.
`
`Description
`ONLINEPAYMENTTHANKYOU
`
`LATEFEE
`INTERESTCHARGEONPURCHASES
`INTERESTCHARGEONCASHADVANCES
`
`..
`
`....
`
`.... Atnount
`-S165.00
`-$165.00
`$39.00
`$99.00
`$103,24
`$87.58
`$15.66
`
`Interest Charge Calculation
`tateonyouraccount.
`YourAnnualPercentageRate(APR)istheannualinterest
`
`(v)- VariableRate
`
`Cardholder News and Information
`YOURACCOUNTISPASTDUE.PLEASEPAYTHEMINIMUMPAYMENTDUEOR
`CONTACTTHISOFFICEATTHEPHONENUMBERLISTEDONYOURSTATEMENT.
`Tomakeapayment,pleasevisitusonlinoormattyourpaymentusingthecouponbelow.Paymentsarealsoacceptedatyourlocal
`. CheckFmePay'orMoneyGramtocations',"Feesmayapply.
`DidyouknowyourMastercardoffersMastercardIDTheftProtection.Formoroinformationshoutthisbenefitortoviewthecurrent
`benefitsoileredbyMastercard,pleasevisit:www.mastercard.com/corecredit-GTB.
`11youraccounthasadeferredInterestpromotionandyouwouldlikeustoapplyapaymentonyouraccounttoaspeol1lobalance,
`pleasscallCustomer6enricetodiscussoptionsthatmaybeavailable.
`Youcanpayyourblilonlineoroverthephone.Wenoticedyouvobeenenjoyingoureasypaperlesspaymentoptions,sowowllino
`longerbeIncludingretumenvelopes.Youcanmakethingseveneasierbysoloclingthepaperlessstatementoptiononyouraccount
`online.
`NOTICE:Wemayconvertyourpaymentintoanelectronicdebit.Seebackofpageonefordetails.BillingRightsandotherimportant
`informallon.
`Member News and Information
`.
`..
`FormoreinformationabouttheSam'sGlub*Mastercard*RewardProgramterms,logonto
`24HourCreditCardServicephonenumberofthebackofyourcard.
`GogreenandsupporttheenvironmentwithpaperlessstatementsiAllyouhavetodoIsvisit
`ReglStertodaytostarlrecolvingyourStatementsonline.
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`
`6709
`
`MFJ
`
`1
`
`7 19 210421
`
`EXPAGE2 of 3
`
`1468 1100A6o201FS6709
`
`11 of 22
`
`

`

`FILED: GREENE COUNTY CLERK 05/06/2022 09:11 AM
`NYSCEF DOC. NO. 6
`
`INDEX NO. EF2022-9
`
`RECEIVED NYSCEF: 05/06/2022
`
`6709
`
`IlFJ
`
`1
`
`7 19 210421
`
`EXPAGE3 of 3
`
`146B1100A60201FS6709
`
`12 of 22
`
`

`

`FILED: GREENE COUNTY CLERK 05/06/2022 09:11 AM
`NYSCEF DOC. NO. 6
`
`INDEX NO. EF2022-9
`
`RECEIVED NYSCEF: 05/06/2022
`
`SAM'S CLUB
`[RTW F3174533AK]
`ORG RTWF825104AG
`T&C DC
`- PRESENT
`
`10/03/2017
`
`. SECTION 1: RATES AND FEES TABLE
`,
`SAM'S CLUB® MASTERCARD®
`ACCOUNT
`AGREEMENT
`Informationfrom Section I of the Sam'sClub Mastercard®Account Agreementis providedin the accompanying PricingInforrnationAddendum,
`
`SECTION It RATES, FEES AND PAYMENT
`SAM'S CLUB® MASTERCARD®
`ACCOUNT
`
`IN FORMATION
`AGREEMENT
`
`Interest
`
`Your
`Rate
`
`When We
`Charge
`Interest
`
`How We
`Calculate
`Interest
`
`We usea dailyrateto calculatethe intereston the balanceon youraccount eachday.The dailyrateisthe applicableAPRtimes
`1/365. Interestwill be imposed in amounts or at ratesnot in excessof those permitted by applicablelaw.
`See accompanyingPricing InformationAddendum about your specific APRs for purchases,balance transfers and Quick
`CashAdvances.
`Purchases. We charge interestdn your purchasesfrom the date you makethe purchase untilyou pay the purchasein full.
`Seeexceptionsbelow.
`" Wewill not chargeyou Interestduring a billingcycleon anypurchasesIf:
`1.Youhad no balanceat the start of the billingcycle; OR
`2. Youhad a balanceat the start of the billingcycle and you paid that balanceIn full by the due date Inthat billingoycle.
`* Wewill credit,as of the start of the billingcycle, any paymentyou make by the due date that we allocateto purchasesit:
`1. You had no balanceat the start of the previousbillingcyclel OR
`2. Youhad a balanceat the start ofthe previousbillingcycleand you paid that balancein fullby the due date Inthe previous
`billingcycle,
`Balance Transfers and Cash Advances. We chargeintereston yourbalancetransfersand cashadvances,and theirrelated
`fees, from the date you makethe transaction untilyou pay them in full.You cannot avoid payingIntereston balancetransfers
`or cash advancesor their relatedfees.
`We figure the interest charge on your account separatelyfor each balance type. We do this by applying the dally rate to
`the daily balancefor each day in the billing cycle. A separatedaily balance is calculated for the following balancetypes, as
`applicable: purchases,balance transfers, cash advancesand balances subject to differentinterest rates, plans or special
`promotions.Seebelow for how this works.
`1. How to get the dailybalance:We take thestartingbalanceeach day,add any new chargesandfees, andsubtract any
`paymentsor credits.This gives us the dailybalance.
`We applyfees to balancetypes as follows:
`(a)latepaymentfeesare treated as Iew purchases;
`(b)debt cancellationfees are added proportionatelyto eachbalance;
`(c)balancetransferfees are added to the balancetransferbalance;end
`(d)cashadvancefeesare added to the cash advancebalance
`2. How to get the dallyInterestamount: We multiplyeachdaily balanceby the daily ratethat applies.
`3. How to get the starting balancefor the next day: We add the dallyinterest amount in step 2 to the dailybalancefrom
`step 1.
`4. How to get the interestcharge for the billingcycle:We add all the daily interestamountsthat were chargedduringthe
`billingcycle.
`We charge a minimuminterestcharge in any billingcycle in which you owe interest.This charge is added proportionatelyto
`eachbalancetype. See accompanying Pricing InformationAddendum for the amount of your minimumInterestcharge.
`
`13 of 22
`
`

`

`FILED: GREENE COUNTY CLERK 05/06/2022 09:11 AM
`NYSCEF DOC. NO. 6
`
`INDEX NO. EF2022-9
`
`RECEIVED NYSCEF: 05/06/2022
`
`Balance
`Transfer
`
`Fee
`Cash Advance Fee
`
`.
`
`Foreign
`(cid:2)"ansaction
`
`Fee
`
`Late PaymentFee
`
`We willchargethis feefor each balanc(cid:23)transferypu make.
`
`We will chargethis fee for each cash advanceyou make.For ATM cash advancesthis fee is In addition to any fee the ATM
`owner maycharge you for use of the ATM.
`
`We will not chargea foreigntransactionfee.
`If you make a transaction with your account in a currency other than U.S. dollars, Mastercardwill convert the transaction
`amount Into U.S. dollarsusing Its currencyconversionprocedure.Under the currencyconversionprocedurethat Mastercard
`currentlyuses, the non-U.S. dollar transactionamount is converted into a U.S. dollar amount by multiplyingthe,transaction
`amountin the non-U.S.dollar currencyby a currencyconversionrate. Mastercards currencyconversionprocedureis based
`on ratesobserved In the.wholesalemarket or govemment-mandatedrates, where applicable.The currencyconversionrate
`that Mastercarduses for a particular transaction Is the rate for the applicable currency on the date that the transaction
`occurred.However,in limitedsituations,particularlywheretransactionsubmissionsto Mastercardfor processingaredelayed,
`the currencyconversionratethat Mastercardusesmay be the ratefor the applicablecurrencyon the date that the transaction
`is processed.
`.
`f
`We willcharge this fee if we do not receivethe total minimumpaymentdue on your account by 5 p.m. (ET)on the due date.
`Seethe accompanyingPrioInginformationAddendumfor the amount of the fee.
`
`IWinimumPayment Calculation
`Seethe accompanyingVariableTermsAddendumfor how the total minimumpaymentis calculated.
`Special Promotional Financing Offer Information
`At times, we may offer you special financing promotions for certain transactions ("specialpromotions").The terms of this Agreementapply to an special
`promotion.However,any spealalpromotlanalterms that are differentthan the termsin this Agreementwill be explainedon promotionaladvertising.Belowis a
`descriptionof certain special promotionsthat may be offered:
`
`* No interest If Paid in FullWithin6 Months
`" No Interest If Pald in FullWithin12 Months
`* No Interest if Paid in FullWithin18 Months
`" No Interest if Paid in FullWithin24 Months
`
`For each promotion, If the promotional balance is not paid In full within the promotionalperiod,
`interestwill be imposed from the date of purchase at the APR that appliesto your account when
`the promotionalpurchaseis made.
`This APR may very with the market based on the prime rate. See the accompanying Pricing
`
`'
`
`Whenyou make a qualifyingpurchaseunder one of these promotions,no Interestwill be assessedon the purchaseif you pay the following(the"promotional
`balance")In full within the applicablepromotionalperiod: (1)the promotionalpurchaseamount, and (2)any relatedoptional credit Insurance/debtcancellation
`charges. if you do not, Interest will be assessed on the promotional balance from the date of the p.urchase.Minimum monthly payments are required,
`Regularaccount terms apply to non-promotionalpurchasesand, after promotionends,to promotionalpurchases.Offersare subjectto credit approval.These
`promotionaloffers may not be availableat alltimes for all purchases.Pleasesee anyspecialpromotion advertisingor other disclosuresprovidedto you for the
`full terms of any speolal promotion offered.
`
`PROVISIONS
`III: STANDARD
`SECTION
`·SAM'S CLUBS MASTERCARD®
`ACCOUNT
`AGREEMENT
`~
`
`FIEDIT CARC
`R
`I
`This Agreement. This is an Agreementbetweenyou and SynchronyBank, 170Section Road, Suite 125, Draper,UT 84020, for your credit caroaccount
`shownabove, By opening or usingyour account, you agreeto the terms of the entireAgreement.The entireAgreementincludesthe four sectionsof this
`documentand the applicationyou submittedto usin connection with the account.Thesedocuments replaceanyotheragreementrelatingto youraccount
`that you or we made earlieror at the sametime.
`Parties To This Agreement. ThisAgreementappliesto each accountholderapprovedon the acoount and each of you is responsiblefor payingthe full
`amount due, no matter which one usesthe account. We may treat each of you as