FILED: MONTGOMERY COUNTY CLERK 09/17/2021 05:04 PM
`NYSCEF DOC. NO. 12
`
`INDEX NO. EF2021-3
`Doc Page 1 of 145
`RECEIVED NYSCEF: 09/17/2021
`
`Exhibit
`
`D: Statements
`
`

`

`FILED: MONTGOMERY COUNTY CLERK 09/17/2021 05:04 PM
`NYSCEF DOC. NO. 12
`Southwest.
`
`am ----rr-r
`Manage your mocount onilne:
`
`INDEX NO. EF2021-3
`Doc Page 2 of 145
`RECEIVED NYSCEF: 09/17/2021
`
`Mongw oownioed the
`,n.......,ts.a,,
`t..a,
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`
`customer
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`service:
`
`AIRLINESRAPID
`CARDSUMMARY
`°"'©"""""
`
`°"
`
`SOUTHWEST
`REWARDS
`°'"'"°ª"'"d
`Plasfor
`+
`+2X
`Points
`pu rchases
`-eam mom about your Rapid RewardsGD Credit Card at
`View pairst totals and redeern at
`www.chase.com/southwest.
`Call 1-8OO-I-FLY-BWA or visit
`www.southwest.com/rraccount.
`www.southwest.com
`to book flightsw
`
`for
`
`Southwest
`
`partner
`
`O
`
`O
`
`O
`
`o
`O
`g-
`o
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`E OOOEo
`
`(/J
`
`Earn 2 Rapid RawardsGD Points per $1 spent on Sights purchased
`direoIly through Southwest AirlinesdD and on participating Rapid
`Rawards Hotel and Rental Car partner purchases.
`(like Marriott,
`Hyatt. Hertz and Avis) Escape faster by eaming 1 point per $1 on
`all other purchases.
`
`Rapid
`
`1
`8
`
`New Ba
`"®®
`'
`Minimum Payment Due
`$576800
`5
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`09/24/20
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`4
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`8
`11
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`7
`6
`1.
`15
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`14
`13
`a
`17
`as
`as
`20
`as
`22
`23
`3
`2
`29
`30
`28
`27
`6
`5
`4
`10
`9
`7
`If we do not receive your minimum
`Late Paymerit Warning:
`payment by the due date, you may bave to pay a late fee, and
`existing and new balances may become subject
`to the Default APR-
`ME=E==== Payment Warning:
`Enroll
`in Autr-Pay
`and avoid missing
`a payment. To enroll, go to www.chasexxam
`
`904't
`
`ACCOUNTSUMMARY
`Account Numtner:
`Previous Balance
`Payment. Credits
`Purchases
`Cash Advances
`Balance Transfers
`Fees Charged
`interest Charged
`New Betance
`Openingtolosing
`Credit Limit
`Available Credit
`Cash Access I.ine
`IAvailable for Cash
`
`Date
`
`Balance
`
`over
`
`the Credit LIsnIt
`
`$33.997.65
`$0.00
`$0.00
`$O.OO
`$0.00
`$O.00
`+S446.34
`$34,442.99
`07/28/20 - 08/27/20
`$33.600
`$0
`$6.720
`30
`$43979.00
`$842.99
`
`YOUR ACCOUNT
`MESSAGES
`You are over your credit
`line/credit access line by $842.99. You can pay down your balance faster by including this arnount with your
`payment.
`Your account
`
`is closed and no longer available for use.
`
`SE C)
`
`P.O. BOX 15123
`198 -a0- 23
`WILMINGT
`
`MS DIANE L COMPANI
`DIAMOND DI DAY CARE
`PO BOX 448
`HAGAMAN NY 12OB6-O448
`
`-
`
`--
`
`The Past Due
`amount
`of $4,979.00
`included
`n
`yme
`
`is
`
`Due
`Payment
`w Balance:
`
`Date:
`
`09/24/20
`$34,442.99
`
`Account
`
`number-
`
`9041
`
`$
`
`.
`Amount Enclosed
`Make/Mail to Chase Card Servicea at the address below:
`
`SERVICE
`CARDMEMBER
`PO BOX 1423
`CHARLOTTE NO 28201-1423
`
`Pkg Page 32 of 175
`
`

`

`FILED: MONTGOMERY COUNTY CLERK 09/17/2021 05:04 PM
`NYSCEF DOC. NO. 12
`
`INDEX NO. EF2021-3
`Doc Page 3 of 145
`RECEIVED NYSCEF: 09/17/2021
`
`T-
`O
`
`Q
`
`CO O WC0E OOOCs
`
`o Q
`
`..
`
`To
`
`us
`contact
`your
`regarding
`Call Custoryter Service:
`Irt U.S.
`1-800-S48-5538
`Spinnish
`1--088-795-0574
`PagrDy hone1-800-438-7958
`la*=C
`=e1 1--480-350-7099
`We accept operator relay cath
`
`sanammte
`
`Send lenquirles to:
`P.O. Box 15298
`Wilenfrigton, DE 19850-5298
`
`glall Payrraente to:
`P.O. Box 1423
`Charlotte, NC 28201-142G
`
`VIelt Our Website:
`wunarcthmsamennmdrearcIhatp
`
`youwillstItloweanyremainingbalance).Wemayrefusetoacceptanysuchpayment
`inferinationAboulYountAccount
`byreturningIttoyou,notcashingitordestroyingit.Anotherpaysnentsthatyoumake
`IIIsklagYellrPayments:Theamountof your paymentshouldbe at leastyour
`shouldbesersttotheregularPaymentaddressshownonthisslatement.
`minimumpaymentdue,payableInU.S.donateanddrawnonor payablethrougha
`U.S.AnanclelinstRutlonor theU.S.branchofaforeignfinanclelInstitution.You.can AnnualHenewalItallce:tf yourAccountAgreementhasanannualmembershipree,
`paydownbalancesfasterbypa9Ingmorethantheminimumpaymentor thetotal
`youareresponsiblefor IteveryyearyourAccountIsopen.Wewilladifyourannual
`unpaidbalanceonyouraccount.
`membershipfeetoyourmonthlyblillagstatementonceayear,whetherornotyouuse
`YouInaymakepaymentselectronicallythroughourwebsiteorbyoneofourcustomer youraccount.Yourannualmembershipfeewill beaddedto yourpurchasebalance
`andmayIricurInterest.Theannualmembershipfeeis non-refundableunlessyou
`servlesphonenumberaabove.Inusinganyofthesechannaleryouareaulhorizingus
`notifyusthatyouwishto closeyouraccountwithin30 daysor oneDItEngcycle
`towithdrawfundsasaone-timeelectronicfundstransferfrogpyourbankaccount.In
`(whicheveris less)afterweprovidethestatementonwhichtheannualmembemhip
`ourautomatedphernesystem,thisautherlzationIsprovidedviaentryof a personal
`IdentlfloatIonnumber.YouInayrevokethisauthorizationbyoencelHrigyourpayment
`feeIsbilled.Yburpaymeratoftheannualmember.shipfeedoesnolaffectourrights
`throughourwebsiteor customerservicetelephonenurnbersprtDrto thepaymhm tocloseyourAccountandto IImityotirrightto maketransactionsonyourAccount.
`processing.II wereceiveyourcompletedpaysnentrequestthroughoneof these
`If yourAccountisclosedbyyouor us.theannualrnembershipfeewill nolongerbe
`channelsbyI1:59p.m.EastemTime,wewiltcondityourpaymentasofthatday.II
`DAledtoyourAccount.
`wereceiveyourrequestafter11:59p.m.EasternTime,wewillcredityourpayment
`asofthenextcalendarday.If youspecifyafuturedateinyourrequestwewillcredit CalculationOfGalenceSub|ectToInternalRoto:Tof oreyourperiodicInterest
`yourpaymentasofthatday.
`chargesforeachblilingcyclewhenadailyperiodicrate(s)applies,weusethedelly
`ed@nowngneCransaction4ToUgureyourperiodicWerestcWges
`If youpaybyregularU.S.mailto thePaymentsaddressshownor thisstatement, bahnce
`foreachEng cyclewhenamo yperiodicrateWappHes,weusetheaveragedaMy
`wrIteyouraccountnumberonyourcheckor moneyorderandIncludethepayment
`couponIntheenvelope.Donotsendmorethanenepaymentorcouponpererwelope. balancemethod(Includingnewtransaclions).Foranexplanationofelibermethod,or
`astlessaboutapasticularinterestchargecalculationonyourstatement,pleasecall
`Donotstaple,cuportapethedocuments.DonotIncludecorrespondence.Donot
`usatthetollfreecustomerservloephonenurnberlistedabove.
`sendeash.If werecotwoyourpropertypreparedpayrnentonanydayby5 p.m.local
`timeatourPaymentsaddressonthisstatement,wewincredittoyouraccountthat Wecalculateperiodgeinterestcharges.separatelyfor each.feature(for example,
`day.If yourpaymentGoreceivedafter5 p.m.localtimeatour Paymentoaddreseon
`he
`thisstatement,wewillcreditIttoyouraccountasofthenextcaterdarday.
`h h
`ahp
`rateswillverywiththemarketbasedonthePrimeRateor suchIndexdescribedIn
`ForallotherpaymentsorforanypaymenttypeaboveforwhichyoudonotfoHowour
`paymentinstructions,creSItingofyourpaymentsmaybedelayedforupto5 daysi
`yourAccountAgreemeritThereIsa transactionfeefor eachbalancetransfer,cash
`advance,orchecktransactionintheamountstatedInyourAccountAgreement.There
`AssountIliformationfleportedToCiudHBureas:WemayreportInferrnationabout
`isaforeigritransactionfeeof3%orthe(LS.dofferamountofanyforeigntransaction
`yourAccountto creditbureaus.Latepayments,missedpaymeritsor otherdefaults
`onyourAccountmaybereflectedInyourcreditreport.Ifyouthinkwehavereporged forsomeaccourts.PIceseseeyourAccountAgreementfor Informationaboutthese
`InaccurateInformationto a credilbureauipleasewi-Itsto usatChaseCasdServices fees.
`P.O.Box15369,Wilmington,DE19850-5369-
`InterestAccrust:Weaccrueperiodicinterestchargesonatransaction.feeor Interest
`chargefromthedateIt leaddedtoyourdeltybalanceuntEpaymentInfalll19received
`Authorizellon1b.ConvertYourCheckTeAnEtestrangeTransferDebit:Whenyou
`onyoureocourst.
`providea checkaspayrnent,youauthorizeuseitherto.useIrdorrnationfromyour
`checkto makeaone-timeelectronicfundtransferfromyour80countor toprocess
`.thepaymentasacheck.Yourbankaccouritmaybedebtedasseenasthesameday CreditLIrntt:If youwantto inquireabout.youroptiornsto helppreventyouraccount
`frDmexceedlnyourcradltIlmlt,pleasecallthenumberonthebackofyourcard.
`werecolveyourpaymegut.YouwiAnotreoelveyourcheckbackfromyourInstitution.
`CondIllenetPayments:Anypaymentcheckorotherformofpaymentthatyousend PaymentAHocanon:Whenyou makea payment,generany,we IIretapplyyour
`uslor leasthanthefullbalanceduethatIsmarked"paidInfull"or containsasimilar minimumpaymenttothebalanceonyourmonthlystatementwiththetowestAPR.
`Anypaymentaboveyourminimumpayrnentwouldgenerallythenbeeppliedtothe
`notatlert,or thatyouotherwloetenderinfuNsatisfactionofadisputedamount,must
`balanceornyourrnonthlystatementwiththehighestAPRfirst.If youdonotpayyour
`besenttoCardServices,P.O.Box15049,WHmington,DE19850-5049.Wereserveall
`balanceInfull eachInonth,youmaynotbeableto aweldIrvterestchargeson new
`ourrightsregardingthesepayments(e.g.,If It ledeterrninedtherelanovaliddispule
`or if anysuchchecklereceivedatanyotheraddrees,wemayacceptthecheckand
`purchases.,
`
`DA04252019
`
`To manage
`your
`Chase.com/qardhelp
`statement.
`
`account,
`including
`or call
`the
`
`card
`oustomer
`
`payments,
`service
`
`alerts,
`number
`
`of address,
`change
`and
`which
`appears
`on your
`
`visit
`a
`
`et
`
`L
`
`Pkg Page 33 of 175
`
`

`

`FILED: MONTGOMERY COUNTY CLERK 09/17/2021 05:04 PM
`NYSCEF DOC. NO. 12
`Southwesh
`
`Rewards'
`
`-------
`
`
`--=
`3gajgag.ahamm-domÆtongthtaramf
`
`INDEX NO. EF2021-3
`Doc Page 4 of 145
`RECEIVED NYSCEF: 09/17/2021
`-----
`CItase liGobile-app today
`
`-----
`1-800-346-5538
`
`ACT VITY
`
`Merchant Narne or Transaction Description
`
`PURCHASE INTEREST CHARGE
`MS DIANE L COMPANI
`ONS THIS CYCLE (CARD 9041) $445 34
`INCLUDING PAYMENTS RECEIVED
`
`$ Arnount
`
`445.34
`
`Rapid
`
`ACCOUNT
`Dameof
`Tr=aa=rmiAri
`
`OS 27
`
`Total
`Total
`Year
`
`fees stuarged in 20 O
`$2730D
`$3.412)75
`interest charged in 2020
`totals do.vnot reAlect any fee or interest
`refursds
`you Wtay have seceived.
`
`ÈNTEREST
`CHARGiES
`Your Annumbi Percerstage
`I5ate (APR)
`
`Satance Type
`
`is the anrsual
`
`irsterest rate ors your
`Annual
`Percentagge
`Rate (APRy
`
`Purchases prior to 04/27/2018
`Purchases
`
`Cash Advances
`SAR.ANCE TRANSFERS
`Balance Transler
`
`13 24%(v)(d)
`15 99%(v)(d)
`
`24;G9%(vy(d)
`
`15.99%(v)(dy
`
`E..
`
`Balance
`Sutaject To
`Interest.Rate
`a --w.w
`
`$8.260 56
`325.952 OS
`
`- O-
`
`- 0-
`
`(v) = Variante.Rate
`(d) =. Daily Ba5énce Meghoit (iriotudirig ruew transactioris)
`(a) = Average Daily Balarice Method (iracluding new trartsmations)
`Please see It lorrnation About Your·Accourst section for ther Cusculatiort of Balarace4Subject
`How to Avoid1Interest orn PurchasesTardothersirnportantirdenrtriation,
`as applicable
`
`.
`
`Interest
`Charges
`
`rw.1s. w -«--wammememememememap
`$92.88
`$352 46
`
`-04
`
`-0-
`
`.
`
`. ...........
`.
`31 Days ira.Bliling Period
`
`O
`O
`O
`
`XL
`
`UC0E OOQCO
`
`co
`Q
`
`to Interest Rate..Anrsuali Renewal Notice.
`
`MSOIANE L GOMPANI
`
`Page 2 c
`
`Stamernerit Datec
`
`08/27/20
`
`Pkg Page 34 of 175
`
`

`

`FILED: MONTGOMERY COUNTY CLERK 09/17/2021 05:04 PM
`NYSCEF DOC. NO. 12
`
`INDEX NO. EF2021-3
`Doc Page 5 of 145
`RECEIVED NYSCEF: 09/17/2021
`
`•
`
`Pkg Page 35 of 175
`
`

`

`FILED: MONTGOMERY COUNTY CLERK 09/17/2021 05:04 PM
`NYSCEF DOC. NO. 12
`Southwest.
`
`an
`
`,----r-
`anage your aceount onilne:
`
`EB
`
`customer
`,
`.---....
`
`service:
`
`Rapid
`
`Rewards*
`
`INDEX NO. EF2021-3
`Doc Page 6 of 145
`RECEIVED NYSCEF: 09/17/2021
`
`anotallet DowrtIoad the
`t-
`B-.I-e.,,
`
`S
`
`M
`
`wo
`Aoon
`T W T
`
`F
`
`S
`
`New Balance
`
`Minimum Paymerit Due
`5
`
`e Date
`
`O
`
`O
`
`O O0X
`
`E OQEO
`
`(a
`
`SOUTHWEST
`RAPID
`AIRLINES
`CARD SUMMARY
`REWARDS
`+ Points earned on purchases
`+ 2X Pts for Southwest purchases
`+ 2X PointS
`Southwest
`for
`pu rchases
`Leam more about your Rapid P==rrharsO Gredit Card at
`totals and redeem at
`www.chase.com/southwest.
`View point
`Call 1-800-I-FLY-SWA
`or visit
`www.southwest.mm/rracœunt.
`to book flights.
`www.southwest.com
`
`partner
`
`o
`O
`
`O
`
`Eam 2 Rapid RewardsGD Points per $1 spent on flights purchased
`direcay through Southwest AirlinesdD and on participating Rapid
`Rewards Hotel and Rental Gar partner purchases.
`(like Marriott,
`I-r=pa
`faster by eaming 1 point per $1 on
`Hyatt, Hertz and Avis)
`all other purchases.
`
`S
`10
`17
`
`6
`13
`20
`27
`3
`
`Pa
`
`4
`8
`7
`2
`5
`11
`15
`14
`9
`12
`22
`21
`18
`19
`16
`29
`25
`28
`26
`23
`5
`1
`4
`2
`31
`30
`If we do not receive your minimum
`Late F-y,----si Warning:
`payment by the due date, you Inay have to pay a late fee, and
`existing and new balances may become subject
`to the Default APR.
`Enroll
`Minimum Payrnent Warning:
`in Auto-Pay arid avoid missing
`a payment- To enroll, go to www.chase.com
`
`9041
`
`SUMMARY
`. .. ....
`. .
`
`ACCOUNT
`Account Nurnher:
`Previous Balance
`Payment, Credits
`Purchases
`Cash Advances
`Balance Transfers
`Fees Oharged
`interest charged
`New Balance
`ing/Olosing Date
`credit Lirnst
`Available Credit
`
`Available for cash
`Past Due Aruuount
`ever
`Balance
`the Credit Limit
`
`$38,538.64
`$O.00
`$O.00
`$O.00
`$OLOO
`+$39.00
`+S425.01
`$33,997.65
`06/28/20 - 07/27/20
`$33.600
`SO
`
`$0
`34,176.00
`$397.65
`
`YOUR ACCOUNT
`MESSAGES
`You ase over your credit
`line/credit access lirm by $397.65. You can pay down your halance faster by including this amourst with your
`payment.
`Your account
`
`is closed and no tonger available for use.
`
`CHA5EO
`
`-
`
`wi
`
`P.O. BOX 15123
`ING
`198
`
`123
`
`The Past Due
`amount
`of $4 176-00 is
`
`Date:
`
`Due
`Payment
`New BaBance:
`Minimum
`Payment:
`Account
`
`number:
`
`$33,997.65
`$4,979.00
`
`9041
`
`DI DA
`PO BOX 448
`HAGAMAN NY 12086-0448
`
`$
`
`.
`Amount Enctosed
`Make/Mail to Chase Card Services at the addreae below:
`
`CARDMEMBER
`SERVICE
`PO BOX 1423
`OHARLCTrTE NO 28201-1423
`
`Pkg Page 36 of 175
`
`

`

`FILED: MONTGOMERY COUNTY CLERK 09/17/2021 05:04 PM
`NYSCEF DOC. NO. 12
`
`INDEX NO. EF2021-3
`Doc Page 7 of 145
`RECEIVED NYSCEF: 09/17/2021
`
`6j
`Q
`
`CO O ×
`
`C0E OOQCO Q
`
`I.LI
`
`To
`
`your
`us
`contact
`regarding
`Call Custogrler segvlce:
`1-eOO-a4e-sss8
`In u .e.
`'1-888-795-0574
`Spanish
`Pay by phone 1-800-436-7958
`Internatbnal
`1-480-350-7099
`We accept operabr
`relay calm
`
`account:
`
`Selwi Inquiries to:
`P..O.Box 15298
`Wilrnington, DE 19850-5298
`
`Mall Payonetsteto:
`P.O. Box 1420
`Charlotte, NC 28201-1423
`
`VIsIt Our Website:
`wwwmhama omA-arethelp
`
`youwillstliloweanyremeIningbalance).Wemayrefusetoacceptariysanchpayment
`anIormationAbouIYourAccount
`byreturningIttoyouinotcashingitordestroyingR.Allotherpaymentsthatyoumake
`IgtakingYesIrPayments:Theamouritof your paymentshouldbe at leastyour
`shouldbesenttotheregularPaymentaddressshownonthisstatement.
`minimumpaymeritdue,payablein U.S.dollarcanddrawnonor payablethrougha
`U.S.flutaneletinstitutionor theU.S.branchofaforeignfinanclagInstitution.Youcan
`AnallalRollowalMotice:It yourAccountAgreemerithasanannualmembershipfee,
`paydownbalancesfasterDrpayingmorethantheminimumpaymentor thetotal
`you.areresponsiblefor IteveryyearyourAccountIsopen,Wewilladdyourannual
`unpakIbalanceonyouraccourit.
`membershipfeetoyourmonthlybltlingstatementenceayear,whetherornotyouuse
`Youmayrnaleepayrruentselectronicallythroughourwebsiteorbyoneofourctistogner youraccount,Yourannualmembershipfeewill beaddedto yourpurchasebalarice
`andmayIncurInterest.TheannualmembershipfeeIs non-refundableunlessyou
`servleephonenumbersabove.Inusinganyofthesechannels,youaresadhorirlogus
`notilyusthatyouwishto closeyouraccountwithin30 daysor onebillingcycle
`towithdrawfundsasaone-tIrneelectronictundstransferfromyourbankaccount.In
`ourautomatedphorsesystem,thisauthorizationis providedviaeritryofa persoroat .(whicheveris less)afterweprovidethestatementonwhichtheannualmembership
`Identificationnumber.Youmayrevokethisminimusü.müuntrycancellingyourpayment
`feeIsbilled.Yourpaymentoftheannualmembershipfeedoesnotaffectourrights
`throughourwebsiteor customerservicetelephonenumberspriorto thepaymeng tocloseyourAccountandto IImityourrightto meaetransactionsonyourAccount.
`processing.II wereceiveyourcompletedpaymentrequestthroughoneof these
`If yourAccountIsclosedbyyouor us,theannualmembershipfeewill nolongerbe
`channelsby11:50p.m.EasternTime,wewillcredityourpaymentesofthatday.II
`bagedtoyourAccount.
`wereceiveyourrequestafter11:59p.m.EasternTime,wewlIIcredityourpaymera
`asofthenextcalendarday.If youspecifyafuturedateEnyourrequestwewilloredit CalculationOf8slanceSebgecITDInIerestRele:TofigureyourperiodicInterest
`yoterpaymentasoIthatday.
`chargesforeachblillogcyclewhenadailyperiodicrate(s)applies,weusethedaily
`If youpaybyregularU.S.mallto thePaymentsaddressshownonthisstatement, hianceneethod(includingnewtransecggone).Tofigureyourperiodicinterestcharges
`cyclewhenamontMypedMcTate appHes,weseetheaveragedaMy
`foreachD
`writeyouraccountnumberonyourchecItor moneyorderandIncludethepayment
`componIntheenvelope.Donotsendmorethanonepaymentorcouponperenvelope. balancemethod(Includingnewtransactions)..Foranexplanationofeithermethod,or
`geestionsaboutaparticularinterestchargecalculationonyourstatement,pleasecaN
`DonotStaple,cIIportapethedocuments.DonotIncludecorresponderice.Donot
`usatthetogIfreecustornerservicephonenumberlistedabove.
`sendcash.If wereceiveyourpropertypreparedpayrnentonanydayby5 p.m.tecal
`timeatourPaymentsaddressonthisstatement,wewillcreditto youraccountthat Wecalculateperiodieinterestchargesseparatelyfor eachfeature(Ior example,
`day,If yourpaymentis receivedafter5 p.m.localtimeatour Paymentsaddresson
`purchases,balancetransfers,cash advancesor overdraftadvances).These
`thisstalerpent,wewillcreditittoyouraccountasofthenextcateridarday.
`ealculatlensmaycornbinedifferenteategorieswiththesameperiodicrates.Varlable
`rateswillvarywiththemarketbasedonthePrtrueRateor suchIndexdescribedIn
`Forallotherpaymentsorforanypaymenttypeaboveforwhichyoudonolfollowour
`payrnerittestructions,creditingofyourpaymentsmaybedelayedforupto5 daysi
`yourAccountAgreement.ThereIsa transactionfeefor eachbalancetransfer,cash
`abance,orchecktransactionInthearmountstatedinyourAccountAgreementThere
`AccountIMormationReportedToCredIIBurmes:WemayreportInformationabout
`e
`o
`o a o
`se u
`co
`o m
`m be
`c d yo
`editre
`f you
`ehaverepo
`yo Ac
`InaccurateInformationto a credilbureau,pleasewriteto coatChaseCaedServloes fees.
`P.O.Gox15369Wilmington,DE19850-5369-
`InterestAccrual:Weaccrueperiodicinterestchargesortatransaction.feeor interest
`chargefromthedateIt19addedtoyourdellybalanceuntEpaymentInfullloreceived
`AuthorinallonToConvertYourCheckTbAnElectionicWensferDebit:Whersyou
`onyourcocount.
`providea checkaspayment,youauthorizeuseitherto useInforItsationfromyour
`checkto Inakea one-timeelectronicfundtransferfromyouraccountor toprocess
`thepaymentasacheck.Yourbankaccountmaybedebitedassoonasthesameday CreditLletit:If youwantto Inquireaboutyouroptionsto helppreventyouraccount
`fromexceedingyourcreditIIrnit,pleasecallthenumberonthebackofyourcard.
`wereceiveyourpayment.YouwillInotreceiveyourcheckbackfrosriyourinstitution
`CanditionalPayments:Anypaymentcheckcr otherforenofpaymentthatyousend PayntentAllocation:Whenyou makea payment,generally,we IIrstapplyyour
`usforlessthanthefullbalanceduethatis marked"poldInfull"or containeasimilar minimumpaymenttothebeganceonyourmonthlystatementwiththelowestAPFI.
`notallon,orthatyouotherwIsetenderInfuNsatisfactionota disputedamount,must AnypayrnentaboveyourminimumpayrnentwouldgenerallythenbeappHedtothe
`balanceonyourrrionthlystatementwiththehighestAPRfirst.Ityoudonotpayyour
`besenttoCardServices,P.O.Box15049,Wilmington,DE19850-5049.Wereserveall
`balancein1ulleachmonth.youenaynotheableto avoidInterestchargesonnew
`ourrighIsregandingthesepayenents(e.g..II It Isdeterminedthereisnovaliddispute
`purchases.
`or NanysuchcheckIsreceivedatanyotheraddresswemayacceptthecheckand
`
`DA04252019
`
`To manage
`your
`Chase.com/cardhelp
`statement.
`
`account,
`including
`or call
`the
`
`card
`cuttamer
`
`paymsrds,
`service
`
`alerts,
`number
`
`and
`which
`
`of address,
`change
`appears
`on your
`
`visit
`â-
`
`L
`
`Pkg Page 37 of 175
`
`

`

`FILED: MONTGOMERY COUNTY CLERK 09/17/2021 05:04 PM
`NYSCEF DOC. NO. 12
`Southwest
`
`Rewards"
`
`---------
`
`INDEX NO. EF2021-3
`Doc Page 8 of 145
`RECEIVED NYSCEF: 09/17/2021
`----
`
`----
`
`Rapid
`
`ACCOUNT
`Deateof
`Trasinasuaiusa
`
`O7/24
`07/27
`
`ACTIVITY
`
`Merchant Name or Transaction Descnption
`
`ILATE FEE
`PUROHASE INTEREST OHARGE
`IWBSDIANE L COMPANI
`TRANSACTIONS
`THIS OYOLE (CARD 9041) $464 01
`INGLUDING PAYMENTS RECEIVED
`
`$ Amount
`
`39.00
`425.01
`
`$273..00
`fees charged in 2020
`Tataf
`irigurest charged in 2020.
`$2 967.4 I
`Total
`refurads
`Year-to-date
`tolass do not renect any fee or interest
`you rrtay have received-
`
`(O
`
`C)
`c-
`O
`
`0
`
`E OOOEO Q
`
`CHARGES
`INTEREST
`Your Annual Percentage
`Rate (APR)
`
`E5atance Type
`
`Purchases prior to O4/27/2018
`Purchases
`C¾St;i ApV
`C S
`Cash Advances
`BA AN E
`ANS ERS
`Balance Transfer
`
`is thgannual
`
`rate on your account.
`
`interest
`Ansaual
`Pe, erstage
`Rate (APR);
`
`13 24%(v)(d)
`15 99%(v)(d)
`
`24 99%(v)(d)
`
`15 99%(v)(d)
`
`Balance
`Té
`Subject
`Interest Rate
`
`$8,169 67
`$25,574 O3
`
`- O -
`
`- O -
`
`Waterest
`Charges
`
`$88.89
`$336 12
`
`- O -
`
`(v) = Vasiable Rate
`.
`(d) =-Dmity Balance Method (incluEIIreg new transactioras)
`(a) = Average Daily Balarum Method (iiictuding-ruew transactions)
`•E-¬*irmof .Batance Subject.to treerest Ftatp Annuali Renewal Notice,
`.Please°see inferrnation About Your Account section for the C
`How to Avoid ilngerest ort Purchases.
`and otter
`irnportant
`:irdorrnation, as applicable.
`
`- O -
`30 Days in BIIIing Period
`
`MS !DIANE L COMPAN3
`
`Page 2 of 2
`
`Stamernant Date:
`gpggligiumn••
`
`07/27/20
`
`II
`
`IlllllllllRlli
`
`IIIIIIIIIMM
`.;;Z,.,
`
`an.--
`
`Pkg Page 38 of 175
`
`

`

`FILED: MONTGOMERY COUNTY CLERK 09/17/2021 05:04 PM
`NYSCEF DOC. NO. 12
`
`INDEX NO. EF2021-3
`Doc Page 9 of 145
`RECEIVED NYSCEF: 09/17/2021
`
`OO NOOO CO 0
`
`E OOEO Q(
`
`a
`
`Pkg Page 39 of 175
`
`

`

`FILED: MONTGOMERY COUNTY CLERK 09/17/2021 05:04 PM
`NYSCEF DOC. NO. 12
`Southwest.
`
`an--=,-,
`manage your meeount onlinet
`
`w--
`,..---.
`
`gg
`
`Rapid
`
`Rewards
`
`INDEX NO. EF2021-3
`Doc Page 10 of 145
`RECEIVED NYSCEF: 09/17/2021
`
`e:
`
`MeanIlee Dewnioed the
`-e-ea,,_,
`
`O
`
`N
`
`O
`
`O0 0E OOQEO
`
`to
`
`SOUTHWEST
`RAPID
`AIRLINES
`CARD SUMMARY
`REWARDS
`+ Points earned on purchases
`+ 2X Pts for Bouthwest purchases
`+ 2X Points for Southwest
`- Points
`forfeited
`period
`Leam more about your Rapid Rewards® Credit Card at
`View point
`totals and redeem at
`www-chase.com/southwest.
`or wisit
`CagI 1-800-I-FLY-SWA
`www-southwest-com/rraccount.
`www-southwest.com
`to book flights
`
`purchases
`staternent
`this
`
`2,967
`
`O
`O
`O
`
`Eam 2 Rapid Rewards@ Points per $1 spent on Sights purchased
`directly through Southwest Airlines@ and on participating Rapid
`Rawards Hotel and Rental Car partner purchases.
`(IIIce Marriott.
`Hyatt, Hertz and Avis) Escape faster by earning 1 point per $1 on
`all other purchases.
`
`.;
`
`"S"Ba'""°ª
`
`-®4
`Minimum Payment Due
`$4
`176.00
`5
`Payment Due Date
`07/24/20
`
`202o
`T W T
`S
`F
`M
`8
`4
`*
`*°
`²®
`²ª
`'
`*
`11
`10
`6
`5
`7
`8
`9
`17
`18
`'4
`'6
`'S
`'²
`'s
`24
`25
`21
`22
`23
`20
`19
`1
`SO 31
`28
`29
`27
`26
`8
`4
`5
`8
`7
`3
`2
`Late Payment Warning:
`If we do rtot receive your minimum
`payment by the due date, you may have to pay a Iate fee, and
`esciating and new balances may become subject
`to the Default APR
`Mingrnum Payment Warning:
`Enrolt
`in Auto-Pay ared avoid missing
`a payment
`To enroll. go to www-chase-com
`
`ACCOUNT
`Account
`Number:
`
`SUMMARY
`. .
`.
`. .
`.....-
`
`9041
`
`Payment, Credits
`Purchases
`Cash Advances
`Balance Transfers
`Fees Charged
`interest Charged
`New Balance
`
`.
`
`Available Credit
`Cash
`Une
`Available for Cash
`Past Due Amount
`the Credit Limit.
`Balance
`over
`
`$30,001.60
`$D-O0
`$D-O0
`$O.00
`SOLOD
`+$39.00
`-is4as.04
`$33,583.64
`
`$0
`$6,720
`$O
`$mpam an
`$0.00
`
`YOUR ACCOUNT
`MESSAGES
`If you experience COVID-19 related mail delivery disruptions.
`Chase Motale App.
`Your account
`is closed and no tonger available for use.
`
`remernber you can always access your staternents on chase-com or the
`
`CHA5EO
`
`P.O. BDX 15123
`WILMINGTON, DE 19850-5123
`For Undshverabte Mail Only
`
`The Past Due
`amount
`of $3,369.00
`included
`In your
`Minimum Payrnent.
`
`is
`
`Date:
`
`Payment
`Due
`New BaBarace:
`Minimum
`Payment:
`Account
`
`number-
`
`07/24/20
`$33,533.64
`$4,176.00
`
`9041
`
`MS DIANE L COMPANI
`DIAMOND DI DAY CARE
`PO EIOX 448
`HAGAMAN NY 120BS-O448
`
`$
`
`Amount Enclosed
`.
`Make/Mail to Chase Card Services at the addreae below:
`
`SERVICE
`CARDMEMBER
`PO BOX 1423
`CHARLOTTE NG 28201-1423
`
`

`

`FILED: MONTGOMERY COUNTY CLERK 09/17/2021 05:04 PM
`NYSCEF DOC. NO. 12
`
`INDEX NO. EF2021-3
`Doc Page 11 of 145
`RECEIVED NYSCEF: 09/17/2021
`
`--
`
`(N|
`Q
`
`CO O0 C E OOQCO O
`
`To
`
`your
`us
`contact
`regarding
`CaH Custorner Servlce:
`1-800-348-5538
`In U.S.
`1-888-795-0574
`Spanish
`Pay by hone 1-800-438-7958
`Internat nal 1-480-350-7099
`relay calls
`We accept operabr
`
`account:
`
`.
`Send Inquirlee to:
`P.O. Box '15298
`Wilrnington, DE 19850-5298
`
`Mail Payrnents to:
`P.O. Box 1423
`Charlotte, NC 282001423
`
`Vlett Our Website:
`WWW-chase.cornetarcIhalp
`
`youwIIIstlHoweanyremainingbalance).Wemayrefusetoacceptanysuchpayment
`IntermationAboulYourAccount
`byreturningIttoyou,notcashingitor destroyingit.AIIotherpaymentsthatyoumake
`IIllakingYourPeyments:Theamountof your payment•shouldbe at leastyour
`shouldbesenttotheregularPaymentaddressshownonthisslatement.
`minimumpaymentdue,sayablein I.I.S.dollarsanddrawnonor payablethrougha
`U.S.tinaneletinstitutionor theU.S.branchof siforeignfinanclagInstitution.,Youcan
`AnnualRenewalNotice:If yourAccountAgreemerithasanannualmembershipfee,
`paydownbalancesfastertw payingmorethantheminimumpaymentor tihetotal
`youareresponsiblefor Iteveryyear.yourAccountIsopen.Weiwilladdyourannual
`unpatlDalanceonyouraccount-
`membershipfeetoyourmonthlybillingstatementenceayear,whetherorncityouuse
`YoumaymakepaymentselectronloallythrougItourwebsiteorbyofteofourcustomer youraccount.Youranmralmernbershipfeewill beaddedto yourpurchasebalarice
`andmayIncurlaterest.Theanrtualmembershipfeeis non-refundableunlessyou
`servicephonenumbersabove.Inusinganyofthesechannels,youareaughorizingus
`notilyusthatyouwishto closeyouraccountwithin30 daysor oneblilingcycle
`towithdrawfundsasaone-timeelectroniofundstransferfromyourbankaccount.In
`.(whicheveris Isss)afterweproviidethestatementonwhichtheannualmembership
`ourautomatedphonesystem,thisauthorizatloriis providedviaentryof a personal
`identBleationnumber.Youmayrevokethisauthorizationbycancelgingyourpayment
`feeIsbilled.Yourpaymentoftheannualmembershipfeedoesnotaffectourrights
`throughourwebsiteor customerservicetelephonenumberspribr10thepaym0nt
`tocloseyourAccountandto limityourrightto maketransactionsonyourAccount.
`processing.tr wereceiveyourcompletedpaymentrequestthroughoneof these
`15yourAccountIsclosedbyyouor us.theannualmembershipfeewill nolongerbe
`channelsby11:SO.p..rn.EastemTime,wewincredityourpayrnentesofthatday.BI
`blliedtoyourAccount.
`wereceiveyourrequestafter11:59p.m.EasternTime,wewIIIcredityourpayment
`asofthenexteatendarday.If youspecifyafuturedateinyourrequestwewIIIoredit CalculationOf8elanceSubjectM InterestRate:TofigureyourperiodicInterest
`yourpaymentasofthatday'
`chaltiesforeachbillingcyclewhenadailyperiodicrate(s)applies,weusethedaily
`If youpaybyregular(LS.enallto.thePaymentsaddressshownonthisstatement, balancememod@ncludingnewtransonsh ToUgureyourperiodicinterestcharges
`foreach ngcyclewhenamo
`pModicrate(s)appHes,weasetheaveragedaMy
`writeyouraccountnumberonyourcheckor moneyorderandIncludethepayment
`componIntheenvelope.Donotsendmorethanonepaymentorcouportper.envelope. balancemethod(Includingnewtransactions).Foranexplanationof eithermethod,or
`questionsabotrtaparticularinterestchargecalculationonyourstatemerst,pleasecall
`Donotslaple,clipor tapethedocuments.Donotancludecorrespondence.Donot
`sendcash.If wereceiveyourproperlypreparedpayntentonanydayby5 p.m.locag usatthetoltfreecustomerservicephonenurnberAlstedabove.
`timeateurPaymentsaddressonthisstatement,wewlil credittoyouraccountthat Wecalculatepedodicinterestchargesseparatelyfor eachfeature(for example,
`day:If yourpayrnentis receivedafter5 p..m.localtimeatour Paymentsaddresson
`purchases,balancetransfers,cash advancesor overdraftadvances).These
`thisstatement,wewillcreditIttoyouraccountasofthenextcaterderday'
`caBougationsmaycornblnedifferentcategorgeswiththesameperiodicratem..Variable
`rateswillverywiththemarketbasedonthePrimeFlateor suchIndexdescribedin
`Forallotherpaymentsorforanypaymerittypeaboveforwhichyoudonotfollowouir
`paymentInstructions,credltingofyourpayanentsmaybedelayedforupto5dayss
`yourAccountAgreement.Thereis a transactionfeefor eachbaflanceteartsfer,cash
`Assocntinformation.ReportesTDCNrditBuress:WemayreportInformationaboug advance,orchecktransactionIritheamountstatedinyourAccountAgreentent.There
`leaforeigntransactionfeeof 3%oftheU.S.dollararnotgntofanyforeigntransaction
`yourAccountto creditbureaus.1.agepayments,missedpaymeritsorotherdefaults
`forsomeaccourits.PleaseseeyourAccountAgreementfor Informationaboutthese
`onyourAccountmaybereflectedInyourcreditreport.If youthinkwehavereporteil
`InaccurateInformationto aereditbureau;pBessewriteto usat ChaseCardServices fees,
`P.O.Box15369,Wilmington,DE19850-5369-
`InterestAccrual:WeaccrueperiodicInterestchargesortatransaction.feeor Interest
`chargefromthedateit IsaddedtoyourdollybalanceuntilpaymentInfullInrecelwed
`AuthorlsalleuToConvertYeasrCheckThAn ElectsongsWeneferDebit Whenyou
`onyouraccoural.
`providea checkaspayrnent,youauthorizeuseitherto useInformationfroneyour
`checkto makeaone-timeelectronicfundtransferfromyouraccountor to process
`creditLimit:If youwantto Inquireaboutyouroptionsto helppreventyouraccount
`themaymentasacheckYourbankaccountmaybedebitedassoonasthesameday
`fromexceediragyourcreditIImit,pleasecallthenumberonthebackofyourcard.
`wereceiveyourpayment.YouwinnotreceiveyourchookbackfromyourInstitutBon.
`CoadltIonalPayments:Armypaymentcheelkorotherformofpayrnentthatyousend PaymentAIIccallon:Whenyou makea payntent.,generaggy,wefirst applyyour
`usfor lessthanthefullbalanceduethatismarked"paidinfull*or containsasimilar minimumpaymentto thebalanceon yourmonthlystatementwiththelowestAPR
`Anypaymentaboveyourminirnumpaymentwouldgenerallythenbeappliedtothe
`notation,or thatyouotherwisetenderInfullsatisfactionofa disputedamount,must
`bataraceonyourmonthlystatemerawiththehigh'estAPRfirst.It youdonotpayyour
`besenttoCaudServices,P.O.Box15049,WIBntington,DE1985065049.Wereserveall
`ourrighleregardingthesepayments(e.g.,If It 19determinedthereisnovaliddispute
`balancegrtfulteachmonth,youmaynotbeableto avoidInterealchargeson new
`or if anysuchcheckIsreceivedatanyotheraddress.wemayacceptthecheckand
`purchases.
`
`DA04252019
`
`To manage
`your
`Chase.com/cardhelp
`statement.
`
`=^~-st,
`
`including
`or call
`the
`
`card
`oustomer
`
`payments,
`service
`
`alerts,
`number
`
`of address,
`change
`and
`which
`appears
`on your
`
`visit
`account
`
`L
`
`0111111A1lllM21111M1111IllilllMININIAllnilllhll
`
`..,.,,,,
`
`

`

`Rapid
`
`ACCOUNT
`Date of
`Transaction
`
`OS 24
`OS 26
`
`FILED: MONTGOMERY COUNTY CLERK 09/17/2021 05:04 PM
`NYSCEF DOC. NO. 12
`Southwest.
`
`Rewards"
`
`namagere-rance--tenune-
`
`.-.-
`
`gg
`
`c-w.-
`,.......-
`
`a.rvice
`
`ACTIVITY
`
`Mierchant Name orin
`
`reirw Description
`
`LATE I-EE
`PURCHASE INTEREST CO4ARC&E
`MS DIANE L COMPANI
`-INIS.CyCLE-
`TRANSAOTIONS
`(CARD 90 1).$472.04
`INGLUDING PAYMENTS ÑECElVED
`
`2020 Totals Year-to-Dote
`Tosal fees.cBaarged in 202O:
`Total
`interest cinuged.iirf.2020
`Year
`totals do not sellect any fee.or
`
`.$234-O0
`$2.542A0
`interest welursds
`
`INDEX NO. EF2021-3
`Doc Page 12 of 145
`RECEIVED NYSCEF: 09/17/2021
`
`meame D-nbaa
`-,..,,..a.,-a
`
`the
`
`$ Arnount
`
`39.00
`433JO4
`
`(O
`
`Q
`g-
`O
`
`(D
`
`E OO E
`
`O O
`
`, ,
`
`CHARGES
`INTEREST
`Rate (APR)-
`Your Annual-Percentage
`
`is theenriual
`
`.Belarice Type
`
`gy,RCiH,¾SES
`Purchases pnor to mm 9
`Purchases
`CASli AQVANPES
`Gaab Advanas
`SAL.ANCE TRANSFE
`Balance Transfer
`
`ituterest rate'orf your account.
`Arrenusal
`Peycerstage
`Rate (APR)
`
`13 24%(v)(d)
`15 99%(v)(d)
`
`24 99%(v)(d)
`
`15 99%(v)(d)
`
`Belarice
`Sebject. To
`Artterest Rate-
`
`$8,079 83
`$25.195 79
`
`- O -
`
`- O -
`
`Interest.
`Charges
`
`$90 85
`$342 19
`
`- O -
`
`(v) = Variable Rate
`(d) = Daily Balance fûIethod (including neve ransactiores)
`(a) = Average Daily Balance Method (inoguding new transactions)
`Please see frslarrxentionAbout Your Account section for the. OaEculatiory of Balance Subject.to traterest Rate Annual Renewal Natios,
`How to Avoid Intereat ora Purchases.. arid otherienportantiinformation.
`as applicable
`
`- O -
`31 Days in Bliling Period
`
`>
`
`MS DIANE L COMPANI
`
`Page 2 of 2
`
`Staternervt Date:.
`
`OS/27/20
`
`Pkg Page 42 of 175
`
`

`

`FILED: MONTGOMERY COUNTY CLERK 09/17/2021 05:04 PM
`NYSCEF DOC. NO. 12
`
`INDEX NO. EF2021-3
`Doc Page 13 of 145
`RECEIVED NYSCEF: 09/17/2021
`
`C
`
`Pkg Page 43 of 175
`
`

`

`FILED: MONTGOMERY COUNTY CLERK 09/17/2021 05:04 PM
`NYSCEF DOC. NO. 12
`Southwest.
`
`Rapid
`
`Rewards"
`
`mm--_,-,
`manage your ameount onilne:
`
`custorner earvice:
`,..-......
`
`g!g
`
`INDEX NO. EF2021-3
`Doc Page 14 of 145
`RECEIVED NYSCEF: 09/17/2021
`
`;
`
`- mot>iuse Oewnisea the
`,-e...,,..a,,,e.a,
`
`SOUTHWEST
`RAPID
`AIRLINES
`CARD SUMMARY
`REWARDS
`.......... .... .
`+ Points eamed on purchases
`+ 2X Pts for Southwest pwchases
`+ 2X Points for Southwest partner purchases
`bonus points
`+ Anniversary
`Points
`currently
`redemption
`Leam more about your Rapid Rawards® Credit Card at
`totals and redenun at
`View point
`www.citase.com/southwest.
`or visit
`Call 1-800-i-FLY-SWA
`www-southwest.com/rracx:ount
`www.southwest.com
`to boolt
`flights.
`
`O
`O
`3,000_
`
`for
`2,967
`
`unavailable
`
`(O
`O
`
`(o
`
`o
`
`OØ×L
`
`lJ
`
`E CEo
`
`(a
`
`Eam 2 Rapid Rewards® Points per $1 spent ors ilights purchased
`direcay through Southwest Airliries® and on participating Rapics
`Rewards Hotel and Rental Car partner purchases.
`(lilee Marriott,
`Hyatt. Hertz and Avis) Escape faster by eaming 1 point per $1 on
`""°'h"'p™°h"S"5
`
`Payment Due Date
`
`Minimum Paymers Due
`
`.
`
`T W T
`F
`S
`S
`M
`S
`4
`31
`6
`2
`3
`1
`11
`13
`10
`7
`12
`9
`8
`18
`17
`14
`20
`19
`18
`15
`27
`as
`as
`es
`21
`22
`*
`'
`2
`4
`ª°
`28
`28
`11
`10
`7
`9
`5
`8
`6
`If we do not receive your minim