FILED: NEW YORK COUNTY CLERK 12/12/2024 03:34 PM
`NYSCEF DOC. NO. 17
`
`INDEX NO. 152599/2024
`
`RECEIVED NYSCEF: 12/12/2024
`
`SUPREMECOURTOFTHESTATEOFNEWYORK
`COUNTYOFNEWYORK
`_......____________......._......_.
`
`Wells Fargo Bank, NA,
`
`Plaintiff
`
`against
`
`David Sitt
`
`Defendant(s).
`
`...------.............._.........._........................_......
`
`STATEOFIOWA
`COUNTYOFDALLASss.:
`
`AFFIDAVIT OFFACTSBY
`ORIGINAL CREDITOR
`
`INDEXNO. 152599/2024
`
`I,
`
`1.
`
`2.
`
`3.
`
`4.
`
`first
`
`being sworn, declare and state as follows:
`the undersigned affiant,
`of Wells Fargo Bank, NA ("Plaintiff"),
`I am a Loan Workout Specialist
`knowledge and
`and I have personal
`books and records ("Business Records"),
`access to Plaintiff's
`to the account
`electronic
`records,
`including
`relating
`the Account number are 2936.
`The last
`In my position,
`I have
`of Defendant(s).
`four
`of
`digits
`("Account")
`knowledge of Plaintiff's
`and maintaining
`personal
`procedures
`for
`its Business Records,
`Plaintiff's
`creating
`Business Records were made in the regular
`course of business and it was the regular
`course of such business
`to
`The records were made at or near
`make the Business Records.
`Based on my
`the time of
`the events recorded.
`review of Plaintiff's
`I have personal knowledge of the facts
`forth in this affidavit.
`Business Records,
`set
`
`and Defendant(s)
`entered into a credit agreement ("Agreement").
`agreed to pay Plaintiff
`Plaintiff
`Defendant(s)
`to the Agreement. The amount of
`and cash advances provided
`for all goods, services,
`the last payment,
`pursuant
`is/are nowin default and demand
`if any, madeby Defendant(s) was $1737.24, made on 05/01/2023.
`Defendant(s)
`for payment has been made. A true and correct copy of
`"A". A true
`the Agreement
`is attached hereto as Exhibit
`and correct copy of
`last payment/usage is attached hereto as Exhibit
`"B".
`the statement evidencing
`
`At
`owe $100228.34 on the Account.
`this
`time, Defendant(s)
`of $0, post-charge-off
`$100228.34, post-charge-off
`interest
`or payments madeby or on behalf
`credits
`of
`the Defendant(s)
`account statement
`is attached hereto as Exhibit
`"C".
`
`This amount includes
`balance
`a charge-off
`fees and charges of $0,
`less any post-charge-off
`of $0.00. A true and correct copy of
`the final
`
`of
`
`forth in NewYork CPLRArticle
`As set
`this chapter applies.
`
`50,
`
`the interest
`
`rate applicable
`
`to the Account pursuant
`
`to Section 5004 of
`
`LGLCOE036(12/2022)
`
`1 of 36
`
`Page 1 of 2
`David Sitt
`Account NumberEnding In 2936
`
`

`

`FILED: NEW YORK COUNTY CLERK 12/12/2024 03:34 PM
`NYSCEF DOC. NO. 17
`
`INDEX NO. 152599/2024
`
`RECEIVED NYSCEF: 12/12/2024
`
`5.
`
`Plaintiff
`
`explicitly
`
`disclaims any right
`
`to post-judgment
`
`interest
`
`on this Account.
`
`WHEREFORE,Plaintiff
`demands judgment
`disbursements
`of this action.
`The above statements are true and correct
`
`to the best of myknowledge
`
`against Defendant(s)
`
`for
`
`$100228.34,
`
`together
`
`with
`
`the
`
`costs and
`
`Date:
`
`before meon this
`d' ORproduced identification
`Signed and sworn (or affirmed)
`day of
`known to me
`personally
`
`Type of
`
`identification
`
`produced:
`
`LL
`Printed Na e:MARGARETÉJ CHUL
`Title: LGANWORKOUTSPECIALI
`þ
`
`, 20
`
`by
`
`.
`
`.
`
`,
`
`Notary Public
`
`MATTHEWT DÈNNIS
`Notadal Seal,
`lowa
`Commission Number 838755
`MyCommission Expires Apd) 14, 2025
`
`LGLCOE036(12/2022)
`
`2 of 36
`
`Page 2 of 2
`David Sitt
`Account NumberEnding In 2936
`
`

`

`FILED: NEW YORK COUNTY CLERK 12/12/2024 03:34 PM
`NYSCEF DOC. NO. 17
`
`INDEX NO. 152599/2024
`
`RECEIVED NYSCEF: 12/12/2024
`
`WELLS
`FARGO
`
`Consumer Credit Card Custorner Agreement & Disclosure
`Statement Visa®
`Thank you for opening a Wells Fargo Visa0 Account.
`Table of Contents
`in thiscontract,"the Bankf"WellsFargoT"wer "ourfand"us"referto WellsFargo
`Bank,NA"You"and"your"meaneachpersonwhoappliedfor andreceivedaWells
`FargoCreditCard."CreditCard"meansanycardsweissueto youoranydeviceswe
`allowyouto usefor accessingyourAccountto obtaincredit.
`Part1:UsingYourAccount
`1. Whatisthiscontract?
`2. HowcanyouusethisAccount?
`3. Canwelimit yourAccountuse?
`4. WhatisyourCreditLimit?
`5. Whathappensif youusemorethanyouravailableCreditLimit?
`6. CanyouaddanauthorizedCreditCardusertoyourAccount?
`7. Canvouendanauthorizeduser'sabilityto useyourAccount?
`8. Willyoualwaysreceiveabillingstatement?
`9. WhatcancauseyourAccountto beindefault?
`10. What shouldyou do if your Credit Cardis lost or stolen,or Accountis
`compromised?
`11.WhocancloseyourAcconFt?
`Part2:MakingTransactionsandOtherAccountActivity
`1. Howcanyouget CashAdvances?
`2. HowcanyouusesUPERCHECKS"onyourAccount?
`3. CanyouuseyourCreditCardinamobilesop?
`4. CaFyouuseyourCreditCardto payanyotherWellsFargocreditaccount?
`5. CanwedenytransactionsanyourCreditCard?
`6. Howdowemanagetemporaryauthorizations?
`7. Whathappensif youmisuseyourAccountinorderto earnoruseIlewards?
`8. Howdoesan intemationaltransactionin foreigncurrencyconvertto U.S.
`dollars?
`Part3:UnderstandingFeesandInterest
`1. WhataretheAccountsfees?
`2. Whendowechargeinterestto yourAccount?
`3, DoesyourAccounthavea MinimumInterestChame?
`4. Whatinterestcharaeswillyouoweus?
`5. WhatIsyourdailyperiodicrate?
`6, HowdowecalculateInterestonyourAccount?
`7. HowcanyouavoidpayinqinterestonyourAccount?
`8, Whendoweapplyspecifictransactions,fees,andcreditsto vourAccount?
`Part4: MakingandProcessingPayments
`1. Howmuchdoyouneedto paybythe PaymentDueDate?
`2. Rowcanyournakeapayment?
`3. Canyouuseapersonalloanto payyourAccount?
`4. Whatmethodsdowenotacceptfor payments?
`5. Whendoweprocesspayments?
`6. Howdoweapplyyourpayments?
`7. Whendowepostpaymentsto yourAccount?
`Part5:ManagingContactDetalk andYourinformation
`1. Howmaywecontactyou?
`2. Canweverifyyourcreditinformationmorethanonce?
`3. WhatadditionalinformationcanwegatherforCaliforniaresidents?
`4. Canwemonitorphonecallsyouhavewith us?
`5. Whatinformationcanwereportaboutyouto consumerreportinaagencEes?
`
`Page 1
`
`3 of 36
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`

`

`FILED: NEW YORK COUNTY CLERK 12/12/2024 03:34 PM
`NYSCEF DOC. NO. 17
`
`INDEX NO. 152599/2024
`
`RECEIVED NYSCEF: 12/12/2024
`
`6. Whatshouldvoudoif yourcontactinformationchanges?
`7. Whenshouldyou inform a merchantabout changesto your CreditCard
`information?
`8. HowistheinformationIprovideused?
`Part6: Knowingthe Account'sLegalTerms
`L CanwechangethisAgreement?
`2. Whathappensif anypartof thisAgreementisunenforceable?
`3. CanourAorcementriQhtschanae?
`4. WhatisthisAcreement'scoverninglaw?
`5. WhocanassignvourAgreementtoothers?
`6. DisputeResolutionProoram;AÆitrationAgreement
`7, YourBillingRights
`8. ActiveDutyMilitaryServicemembersandTheirDependents
`InterpreterCertification
`9.
`Noticeto CaliforniaCardholders
`ToourCaliforniacustomerswhohavediscussedCreditCardtermsandconditions
`withusinSpanish,Chinese,Korean,Vietnamese,or Tagalog:
`ReadPart6 - Section9 aboutinterpretercertificationbeforeyou confirmyour
`creditcard,
`LealaParte6,Secti6n9,sobrelacertificacióndefinterpreteantesdeconfirmarsu
`tarjetadecrddito.
`NWFNFRM#152i40M5% 6 IME 9 EIN ¤llill5 FR
`
`18@21flW LC4 J@9 Al 71 1011Wol»@91¾D112@FFSM9%@íir
`12Al 71 BFFNCl.
`Hãydoc PhBo6- Phân 9 vB×ác nh n vBthông d[ch viên
`trtfde khl quý khách xác nh n thè tin dyng cúa ininh.
`BasahinanqBahaqi6- Seksyon9 tungkolsasettipikasyonngtagapagsaling-wika
`bagomokumpirmahinangiyangcreditcard.
`
`Par t 1: Using YourAccount
`L Whatis this contract?
`Thiscontractisfor yourCreditCardaccount(Account)andisbetweenWellsFargo
`Bank,N.A.andeachAccountholder,
`Thecontractincludesthe followinginformation:
`" CreditCardAgreement(Agreementl
`*
`ImportantTermsofYourCreditCardAccount
`" Futureamendmentstothiscontract
`By usinger confirmingyour Account,you and anyjoint Accountholderaccept
`thisAgreement'sterms,PleasecarefullyreadthisAgreementandkeepitfor your
`records.
`backto theinp
`2. Howcanyonusethis Account?
`Youagreeto useyour Accountonly for lawful personal,family,or household
`purposesthat include:
`
`TransactionType
`
`Balancetransfers
`
`CashAdvances
`
`Details
`
`Whenyoutransferacreditbalancefromanother
`financialinstitution'screditcardtoyourAccount,
`includingusingacheckthat accessesyourAccount.
`YourAccountmaynotbeeligiblefor Balance
`Transfers.
`
`WhenyouuseyourCreditCardto getcash.These
`transactionsinclude:
`" CreditCarduseat:
`+ ATM
`" Bankteller
`" WellsFargoOnline(Wellsfargo.com)or
`throughthe WellsFargomobileapp
`
`Page 2
`
`4 of 36
`
`

`

`FILED: NEW YORK COUNTY CLERK 12/12/2024 03:34 PM
`NYSCEF DOC. NO. 17
`
`INDEX NO. 152599/2024
`
`RECEIVED NYSCEF: 12/12/2024
`
`Cash-liketransactions,suchas:
`" Casinochips
`"
`Foreigncurrency
`"
`Lotterytickets
`" Moneyorders
`" Off-trackwagers
`Otherwagers
`Travelerchecks
`Wiretransfers
`Vouchersyoucanredeemfor cashorsimilar
`items
`" Overdraftprotectionadvances
`"Purchases"meanswhenyouuseyourCreditCard
`to buyorleasegoodsor services.Taxpaymentsand
`associatedfeesarePurchases.CashAdvancesand
`BalanceTransfersarenot Purchases.
`
`Purchases
`
`Anyothertransactionsthat weallow.
`Other
`Wearenot responsiblefor anyonewhorefusesto acceptyourCreditCardor any
`otherCreditAccessDevice.CreditAccessDevicemeansa deviceotherthanyour
`CreditCardthat weatowyouto usefor accessingyourAccounttoobtaincredit,like
`SUPERCHECKS"andmobiledevices.
`KnowingYourResponsibilityto Pay
`WhenyouuseyourAccountorlet someoneelseuseit, youpromiseto paythetotal
`amountof the Purchases,CashAdvances,andBalanceTransfers.Youalsopromise
`to payallinterest,fees,andotheramountsthat youmayoweus.
`backto thetop
`1 Canwelimit your Account use?
`Yes.Wemaytimit or closeyourAccount.If we doso,thetermsof thisAgreement
`will applyuntilyoupayyourAccountinfull.
`backto thetop
`4. Whatis your Credit Limit?
`"CreditLimit"meanstheamountof gedit that Isavailablefor youto usewithyour
`Account.Weprovidethisamountto youwithyourCreditCard,andit showsoneach
`ofyourbillingstatements.Youpromiseto useyourAccountonlyto thetimits.
`WecanadjustyourCreditLimitatanytime,includingautomaticallyincreasingyour
`CreditUmitif youqualify.Further,wemayrestrictthe amountofyourCreditLimit
`that youcanusefor CashAdvances.
`backtothe top
`5. What happens if you use more than your available Credit
`Umit?
`WemayeitherallowthetransactionwithoutIncreasingyourCreditLimitordenythe
`transaction.if weallowthe transaction,wemayrequireyouto paythe oveHimit
`amountalongwithyournextstatementsMinimumPayment.Youwillstill beliable
`|responsible)for allcredityoureceive.
`"MinimumPayment"meansthe minimumamountyoumustpaybythe Payment
`DueDate.Youcanfind this date on eachbilling statementfor your Account.
`"PaymentDueDate"meansthe datewhentheMinimumPayrnentisdue.
`backto thetop
`6· Canyou add an authorized Credit Card user to your Account?
`Yes.Toaddanauthorizeduser,contactuswiththenameofthe personforwhomyou
`wantusto issueaCreditCard.Youcancontactusanytimeatthe numberlistedon
`the backofyourCreditCard.Wewill thenissueyouanewCreditCardintheirname.
`Youareresponsiblefor payingallchargesthat the authorizedusermakesandthat
`you oweus,includinganyPurchases,BalanceTransfers,or CashAdvances.This
`amountincludesaltrelatedinterestandfees.
`
`ProvidingPersonalInformationaboutAuthorizedUsers
`Youagreeto giveuscertainpersonalinformationabouteachauthorizedusetThey
`inustgiveyoupermissiontogiveusthisinformation.Thedetailsyouprovideusmay
`Indude:
`
`" Name
`Address
`" Socialsecuritynumber
`
`"
`
`Individual Taxpayer Identification
`Number
`" Dateof birth
`Citizenshipdetails
`Page 3
`
`5 of 36
`
`

`

`FILED: NEW YORK COUNTY CLERK 12/12/2024 03:34 PM
`NYSCEF DOC. NO. 17
`
`INDEX NO. 152599/2024
`
`RECEIVED NYSCEF: 12/12/2024
`
`ManagingCredtCardResponsibilitieswithAuthorizedUsers
`YouarenotrequiredtohaveanauthorizeduseronthisAccount.Byaddingone,this
`personisnotliableforany0utstandingBalanceoranyotherchargesthatyouorany
`otherauthorizedusermakes."OutstandjngBalance"meansthetotalofallunpaid
`amounts,including:
`
`Purchases
`- CashAdvances
`" BalanceTransfers
`
`"
`Interest
`"
`Fees
`" Anyotheramountsthatyoumayowe
`us
`Shoutdallliablecaidholdersdle,allauthorizedusers'privilegesautomaticallyend.
`Afterthat,anypersonwhousestheCredittardagreestopayusallamountsthey
`oweus.WecanchoosetopursuethepersontopayanyoutstandingBalanceorother
`chargestheyallow.
`Youagreetoinformeachauthorizeduserthatallapplicablesectionsofthis
`Agreementalsoapplytothem.
`hacktothetop
`7. Canyouendan authorized
`user's abliltytouseyourAccount?
`Yes.YoucanstopanauthorizeduserfrombeingabletouseyourAccount.Todoso,
`takethesesteps:
`1. Recoverthatperson'streditCard.
`2. DestroytheCreditCard.
`3. Contactuswithyourrequesttoremovethematthenumberonthebackofyour
`CreditCardorbymailat:
`WellsFargoBank,N.A.
`P.0.Box10347
`DesMoines,lA50306-0347
`Pleasenote:1fyoudonctrecoveranddestroytheirCreditCard,andtheauthorized
`usercontinuestousetheAccount,wehavetherighttocancelallcreditCardsand
`establishanewAccountforyouEowever,untilyoucontactusrequestingtoremove
`theauthorizeduser,youcontinuetobeliableferanychargestheauthorizeduser
`makes.
`backtotheton
`8. Will you always receive a billing statement?
`WewillsendyouabillingstatementwhenyourAccounthasabalance.
`backtothetop
`9, Whatcan cause yourAccounttobeindefault?
`YourAccountisindefaultifanyofthefollowinghappen:
`" YoudonotmakeaMinimumPaymentbythePaymentDueDate,
`" Yourpaymentreturnstowellsfargounpaid.
`" YoudonothenerthisAgreement'sterms.
`" Yourapplicationinc(udesafalsestatement.
`" Youfifeforbankruptcy.
`inanyofthesescenarios,wewillrequireyoutoimmediatelypayyourAccounttotal.
`Wealsomay:
`- NotallowfuturetransactionsonycurAccount
`" C(oseyourAccount
`" CloseyourotherWellsFargoaccounts
`
`PayingourCostsWhenYourAccountIsinDefault
`Youagreetopaycollectioncosts,attorney'sfees,andcourtcoststhatwehaveasa
`resultofenforcingourrightsunderthisAgreement.
`
`ManagingDefaultswithfolntAccounts
`WeconsideradefaultbyoneAccountholdertobeadefaultbyallofthem.
`backtothetop
`10.Whatshould you do if your Credit Card is lost or stolen, or
`Account is comprornised?
`Notifyusimmediatelyif:
`" YourCreditCardorAccountinformationislostorstolen,or
`" Youbelievesomeoneisusingitwithoutyourpermission.
`Contactusat:
`
`ContactMethod
`
`Details
`
`Page4
`
`6 of 36
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`

`

`FILED: NEW YORK COUNTY CLERK 12/12/2024 03:34 PM
`NYSCEF DOC. NO. 17
`
`INDEX NO. 152599/2024
`
`RECEIVED NYSCEF: 12/12/2024
`
`ByPhone
`
`ByMall
`
`1-800-642-4720
`
`WellsFargoBank,N.A
`P,0.Box10347
`DesMoines,IA 50306-0347
`
`InvestigationsandLlabilityfor UnauthorizedUseandZeroMabilityProtection
`Youagreeto assistusinourinvestigationof yourclaim.If wefind that youarenot
`responsible,thenwewill not holdyouliablefor yourAccount'sunauthorizeduse.
`backto thetop
`11-Whocan dose your Account?
`
`Entity
`
`You
`
`WellsFargoBank,N.A.
`
`Details
`
`YoumaydoseyourAccountatanytime.
`WemaycloseyourAccountfor anyreasonatany
`time.
`
`joint Accounts
`
`AnyAccountholdercancancelthe Account.Ifwe
`closetheJointAccount,thenwemaynotify only
`oneAccountholder.
`WhenyourAccountcloses,youmuststillpaythe balancethat youoweusaccording
`to thisAgreement'sterms.
`backto thetop
`Part 2: Making Transactions and Other Account Activity
`1· Howcan you get Cash Advances?
`" CashAdvancesfromATMs
`YoumayhavelimitsonhowmuchandhowfrequentlyyoucanuseyourCredit
`Cardfor CashAdvancesfromATMs.If youhaveaCashAdvancelimit,it will be
`onyourmonthlystatement.TheATMownermayalsorestricthowyoucanuse
`it, YourCashAdvanceamountwillincludeanyfeesthat theATMownercharges
`you.
`" CashAdvancesfor OverdraftProtection
`Youmaychooseto useyourCreditCardto provideanautomaticCashAdvance
`to coveranoverdrafton a linkedWellsFargocheckingaccount.Tocoverthis
`overdraft,wewilladvanceeitheryouroverdraft amountor $25.00,whicheveris
`greater.IfyourCreditCard'savailablecreditislessthantheseamounts,thenwe
`willadvancethe amountofyouravailablecredit.
`* Feesand AnnualPercentageRate(APR):"APR"is a ratethat weuseto
`calculateinterestonyourAccount'sbalanceandshowsasa percentage.
`YoucanfindoverdraftprotectionAPRandfeesin ImportantTermsof Your
`CreditCardAccount,whichisasummaryof yourAccountsAPRs,fees,and
`otherimportantinformation.
`Pleasenote:Overdraftprotectionadvances,interest,andfeesmaycause
`yourAccountbalanceto exceedyourCredittimit.
`- Morethan onepersononcheckingaccount:if the checkingaccountyou
`link for overdraftprotectionlists morethan oneperson{suchasajoint
`checkingaccount),thenthefollowingapplies:
`" You are responsiblefor all overdraft protection advances.This
`responsibilityis regardlessof whichpersonwritesthe checkor does
`anyothertransactionthat causesthe overdraft,suchasadebitcard
`purchase.
`" Youagreethat wecandiscloseto anyotherpersononyourchecking
`accountthat thisCreditCardlinksto it for overdraftprotection.
`Wecancancel,suspend,orchangeyouroverdraftprotectionserviceatanytimeand
`for anyreason.
`backto thetop
`1 Howcan you use SUPERCHECKS"on your Account?
`YoucanaccessyourAccountwith 5UPERCHECKSsimilarto howyouwriteacheck
`ona
`depositaccount,$UPERCHECKSwill post asa BalanceTransfer,Theywill include
`transactionfeesandinterest.
`Thefollowingrestrictionsapplyto SUPERCHECKS:
`
`Page 5
`
`7 of 36
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`

`

`FILED: NEW YORK COUNTY CLERK 12/12/2024 03:34 PM
`NYSCEF DOC. NO. 17
`
`INDEX NO. 152599/2024
`
`RECEIVED NYSCEF: 12/12/2024
`
`PaymentonOtherWetisFargoAccounts:Youcannotuse5UPERCHECKSto
`payonanyWellsFargoaccount.
`" AllowedUser:Onlythe personwhosenameis printedonthe checkcanuse
`them,
`- AllowedCurrency:Youcanonlywritethemin US dollars,
`" Certified:SUPERCHECKScannotbecertified.
`PaymentDisputes:If youuseSUPERCHECKSto payamerchantfor property
`orservicesandadisputearises,youcannotfile aclaimagainstusasaresult,
`WecanputconditionsonusingSUPERCHECKSchecks.Wecanalsochoosewhether
`to reject,decline,andreturnunpaidany$UPERCHECKSchecksor advances.
`backto thetop
`1 Canyou use your Credit card in a mobile app?
`Yes.Wemayallowyou to loadyour Credit Cardinto an app on an electronic
`device,suchas a mobilewallet.Youcanthen usethis appto makePurchases
`and transactionswithout presentingyour Credit Card.Examplesof electronic
`devicesincludesmartphones,tablets,andotherdevices.5eparatetermsgoveming
`youruseof yourCreditCardthrougha mobiledeviceandtNs Agreementcover
`thosetransactions.Whenyouuseyour CreditCardwith your mobiledevicefor
`transactions,third partiesIsuchas merchantsanddigital walletoperators)may
`useand receiveinformationrelatedto your mobiledeviceand the CreditCard
`transactions.
`" Third-PartyFees
`Thirdpartiesmaychargeyoufeesfor yourtransaction,suchasmobile-carrier
`dataormessagingcharges.
`" Restrlctions
`At any time,we may partiallyor fully restrict your ability to makecredit
`transactionsthroughathird party/mobiledevice.
`" AccountRemoval
`Youagreeto promptlynotifyusbycallingthenumberonthebackofyourCredit
`Cardif youremoveor wantto removeyourAccountinformationfromanyapp
`onanelectronicdevice.
`Pleasenote:Wehavenocontroloverthosedevicesandcannotguaranteehowwell
`they work,Youalsoshouldprotect the device'ssecuritythe sameasyouwould
`protectyourCreditCardorothervaluableinformation.
`backto thetop
`4. Canyou use your Credit Card to pay any other wells Fargo
`credit account?
`No.YoucannotuseyourCreditCardto payanyotherWellsFargocreditaccount.
`backto thetop
`5. Canwedeny transactions
`on your Credit Card?
`Yes,Wemaydeclineanytransactionatanytime for anyreason,suchas:
`" Suspectedfraudulent or unlawful
`Accountdefault
`Intemetgambling
`activity
`Any indication of a transaction's
`increasedrisk
`Wemayalsolimit the numberof authorizationsweallowduringaperiodoftime.In
`addition,wecandenyauthorizationsfrom merchantswhomaybeengaginginthe
`laternetgamblingbusiness.
`backto thetop
`6 Howdo wernanage temporary authorizations?
`Wemayallowtemporaryauthorizationsthat aregreaterthanyouractualPurchase
`amountfor transactionsat somemerchants,suchas:
`" Hotels
`. Carrentalcompanies
`- Restaurants
`- Gasstations
`ThistemporaryauthorizationmaymakelesscreditavailableonyourAccountfor
`severaldays.Thisstepusuallyhappensuntil the datewhenthe merchantprovides
`theactualPurchaseamount.
`backto thetop
`1 Whathappensif you misuse your Accottnt
`use Rewards?
`if youabuse,misuse,or gameyourAccountin orderto eamor useRewards,or try
`to do so,thenwe maycloseor restrictyour CreditCard.Thismisusemeansthat
`you makemultiplePurchasesandpaymentsduringa BillingCycte,whichcauses
`yourtotal Purchasesamountto substantiallyexceedyourCreditLimit.Eachbilling
`
`in order to earn or
`
`Page 6
`
`8 of 36
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`

`

`FILED: NEW YORK COUNTY CLERK 12/12/2024 03:34 PM
`NYSCEF DOC. NO. 17
`
`INDEX NO. 152599/2024
`
`RECEIVED NYSCEF: 12/12/2024
`
`transaction
`
`in foreign Currency
`
`statementshowsa statementclosingdate,whichis yourBillingCycle'slastday.
`"BitlingCycle"meansthetimeperiodbetweenbillingstatements.
`backtothetop
`8· Howdoes an international
`converttoU.S.dollars?
`WhenyouuseyourVisaCreditCardto makeatransactioninacurrencyotherthan
`U.S.dollars,VisainternationalIVisa)convertsthe chargeinto a D.S.dollaramount
`Visausesoneof the followingstepstodeterminetheexchangerate betweenthe
`transactioncurrencyandthebillingcurrency:
`" Selecta ratefrom the rangeavailablein wholesalecurrencymarketsfor the
`applicablecentralprocessingdate. This rate mayvary from the rate Visa
`receives.0r,
`" Use the government-mandatedrate in effect for the applicablecentral
`processingdate.
`Theprocessingdate'scurrencyconversionratemaydiffer fromtherateineffecton
`thetransactiondateorthedatewhenthe transactionpoststo yourAccount.
`
`UsingMerchantConversions
`SomemerchantsoutsideoftheU.S.cangiveyouanoptionforhowtoconvertthe
`CreditCardtransactionintoU.S.dollars.Theycanhaveyouchoosewhetheryouwant
`Visaorthe merchantto maketheconversion.If youchoosefor themerchantto do
`it, thentheydeterminethe conversionrate,not Visa.Wethendonotchargeyoua
`foreigncurrencyconversionfee.
`backtothetop
`Part3:UnderstandingFeesandlnterest
`L WhataretheAccount'sfees?
`Thefollowingfeesmayapplyto yourAccount,andyouagreeto paythem.Ifthey
`doapply,youwillfindtheamountinthedocurnent,lmportantTermsofYourCredit
`CardAccount.
`
`FeeType
`
`AnnualFee
`
`WhenWeChargeThisFee
`
`Wewilladdthisfeetoyourmonthly billing
`statementonceayear,whetheror notyouusethis
`Account,Weaddthisfeetoyour Purchasebalance,
`whichmaycreateinterestcharges.Wewillnotify
`youbeforewechargetheannualfee,Toavoidfuture
`annualfees,youmustcloseyourAccountbeforewe
`chargeyouthe annualfee.Youmaybeeligiblefor
`arefundoitheannualfeedependingonwhenyou
`closeyourAccount.
`
`BalancetransferFee
`
`OnaBalanceTransfertransaction
`
`CashAdvanceFee
`
`OnaCashAdvancefromyourAccount
`
`ForeignCurrencyConversionFee
`
`If youmakeatransactioninaforeigncurrencyand
`Visaconvertsit intoaU.S.dollaramount
`
`LateFee
`
`RushPlasticFee
`
`EachtimewedonotreceivetherequiredMinimum
`PaymentbythePaymentDueDate
`If youaskusto rushdeliveringyourCreditCardto
`you
`Wemaychargeadditionalfeesifyouandweagreetothem.Weaddallfeesto your
`Purchasesbalance,exceptCashAdvancefees.Weaddthosefeesto yourAccount's
`CashAdvancebalance.
`backtothe too
`2. WhendowechargeinteresttoyourACCount?
`-
`Formosttransactions:Wechargeinterestbeginningonthedateyoumakethe
`transactiononyourAccount.
`Forfees:WechargeinterestbeginningontheBillingCycle'sfirstdayafterthe
`previousBillingCycleinwhichthefeepostedtoyour Account.
`backto thetop
`1 DoesyourACCounthaveaMinimumlnterest
`
`Charge?
`
`Page 7
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`FILED: NEW YORK COUNTY CLERK 12/12/2024 03:34 PM
`NYSCEF DOC. NO. 17
`
`INDEX NO. 152599/2024
`
`RECEIVED NYSCEF: 12/12/2024
`
`YourAccountmayhavea MinimumInterestCharge."MinimumInterestCharge''
`meansthe lowestamountof interestwechargeyouif youoweanyinterestin a
`BillingCycle.
`Fordetailsof thischarge,pleaseseethedocument,ImportantTermsofYourCredit
`CardAccount.
`backto thetop
`4. Whatinterestchargeswillyouoweus?
`ThefollowingdetailsdescribetheinterestyoumayoweeachBillingCycle.Youcan
`finddetailsontheAPRsthatapplyto differentbalancesinthedocument,1mportant
`Termsof YourCreditCardAccount.
`-
`IntroductoryandPromotionalRates
`
`introductory Rates
`YourAccountmaybeeligiblefor introductoryrates.Thedocument,Important
`Termsof YourCreditCardAccount,describeswhetheryouqualify.
`
`PromotionalRates
`If weofferyoua promotionalrateafter you openyourCreditCard,thenyouwill
`receivethetermsatthat time.
`Whenanyintroductoryand promotionalrates expire,your remainingbalances
`receivetheapplicableregularAPRterms.Youcanfindthesedetailsinthedocument,
`importantTermsofYourCreditCardAccount
`StandardVarlableAPR
`A variableAPRIs aninterestratethat varieswith the marketbasedon the U.S.
`PrimeRate.TocalculateyourvariableAPRfor eachBillingCycle,weusethe U.S.
`PrimeRateandadda margin.Seethe documentimportantTermsof YourCredit
`CardAccountfor themacginonPurchases,BalanceTransfers,CashAdvances,and
`overdraftprotectionadvancesonyourAccount.Youcanalsofind detailsin that
`documentaboutyourAccountsdailyperiodicrates.
`
`HowWeDeterminethe U.S.PrimeRate
`EachBillingCycle,weusethe U.S.PrimeRatethat the WallStreetJoumalpublishes
`in its MoneyRatessectionthree businessdaysbeforeyour billingstatement's
`closingdate.Whenmorethanonell.S PrimeRatesexist,weuseanaverage.If the
`U.S.PrimeRateisnot publishedor available{temporarilyor permanentlyLweuse
`asubstituteindexthat webelieveissimilarto theU.S.PrimeRate.Wedosoatour
`solediscretion.
`Achangein theAPRmayIncreaseor decreasethetotal amountof interestyoupay
`andyourMinimumPayment.It theU.S.PrimeRatechangesandaffectsyourAPR,
`the newAPRwillapplyto bothexistingandfuturebalancesonthefirst dayof your
`BillingCycle,TheAPRwillcontinueto varyevenif youor wecloseyourAccount,
`" FixedAPRs
`"FixedAPRs"rneansAPRsthat do not changewith the marketbasedonthe U.S.
`PrimeRate.However,if oneor moreFixedAPRsapplyto yourAccount,we may
`changethe FixedAPRfrom timeto time.Wedosobyfollowingthetermsthat we
`describein "Part6- Section1:CanwechangethisAgreement?"of thisdocument.
`YoucanfindtheAPRsthat applyto yourAccountinthedocument,ImportantTerms
`of YourCreditCardAccount.
`backto thetop
`5. Whatisyourdallyperiodicrate?
`Thedailyperiodicrate is a dailyinterestrate. Wecalculateit by dividingeach
`applicableAPRby365.
`backto thetop
`Account?
`6. Howdowecalculateinterestonyour
`Wetakethefollowingstepsto calculateyourAccountsinterest:
`Step1:Calculatethe dailybalance.
`Wecalculateyourdailybalanceseparatelyfor eachtransactioncategory.Wetake
`thefollowingactions:
`L Startwiththedailybalancefromthe endof thepreviousday.
`2. Addanynewtransactionsandothercharges,includinginterestthat accruedon
`thepreviousday'sbalance(interestcompoundsdaily).
`3. Wethensubtractanypayrnentsor credits.
`Forexample:
`
`Cakulation
`
`Amount
`
`Dailybalancefor Purchasesfromthepreviousday
`
`$1,000
`
`Page 8
`
`10 of 36
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`FILED: NEW YORK COUNTY CLERK 12/12/2024 03:34 PM
`NYSCEF DOC. NO. 17
`
`INDEX NO. 152599/2024
`
`RECEIVED NYSCEF: 12/12/2024
`
`Calculation
`
`Amount
`
`AddNewPurchases
`
`4 $500
`
`AddFeesandinterestaccruedonthepreviousday's + $50
`transactioncategorybalance
`
`-$250
`
`Subtractpayments,credits,andadjustrnentsthat
`postedthat day
`= $1300
`= Newdailybalancefor Purchases
`"
`step2:calculatethe AverageDallyBalance(ADB).
`Weaddtogetherall the daily balancesfor the BillingCycle,startingwith the
`beginningbalanceontheBillingCycle'sfirst day.Thisbeginningbalanceincludesany
`unpaidfeesfromthe previousBillingCycleandanylatefeesthat wechargedyou
`duringthecurrentBillingCycle.Wetreatanydailybalancethat hasacreditaszero.
`Wethendividethisamountbythe numberofdaysinthe BillingCycte.
`Forexample:
`
`Calculation
`
`Amount
`
`Sumofdailybalances
`
`$4,000
`
`÷30
`
`Dividebynumberof daysin the BillingCycle
`= ADB
`"
`step 3:Calculatethe Interest.
`Wecalculatetheinterestwewillchargefor eachbalancetypebydoingthe following:
`1. MultiplythedailyperiodicratebytheADB.
`2. Multiplythetotal fromthe previousbulletbythe numberof daysin the Billing
`Cycle.
`Forexample:
`
`= $133.33
`
`Calculation
`
`Amount
`
`Dailyperiodicrate
`
`MultiplybytheADB
`
`0.05%
`
`x 133.33
`
`x 30
`
`a $2.00
`
`Multiplybynumberofdaysin BillingCycle
`= Chargedinterest
`backtothetop
`1 Howcan you avoid paying interest on your Account?
`YoucanavoidpayinginterestonnewPurchasesbypayingyourentireNewBalanceby
`thePaymentDueDateoneachBillingCycle'sstatement.However,youmustalways
`payinterestonCashAdvancesandBalanceTransfers.
`"NewBalance"meansthe total amountyouowebythe statement'sclosingdate.
`YourPaymentDueDateisat least25daysfrom the statement'sclosingdate.You
`canfindthisdetailonyourbillingstatement.
`backtothetoo
`8. Whendo weapply specific transactions,
`your Account?
`Transactions
`- Purchasesand BalanceTransfers:Weadd theseamountsto the Purchase
`balanceonthe transactiondatethat yourstatementshows.
`cashAdvance:Weadd this amount to the CashAdvancebalanceon the
`transactiondatethat yourstatementshows.
`" Overdraft ProtectionAdvance:Weadd this amountto the CashAdvance
`balanceonthetransactiondatethat yourstatementshows.
`Fees
`" BalanceTransferFee:Weadd this fee to your Purchasebalanceon the
`transactiondatethat yourstatementshows.
`
`fees, and credits to
`
`Page 9
`
`11 of 36
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`

`

`FILED: NEW YORK COUNTY CLERK 12/12/2024 03:34 PM
`NYSCEF DOC. NO. 17
`
`INDEX NO. 152599/2024
`
`RECEIVED NYSCEF: 12/12/2024
`
`-
`
`cashAdvanceFee:Weaddthis fee to your CashAdvancebalanceon the
`transactiondatethatyourstatementshows.
`backtothetop
`Part4:MakingandProcessingPayments
`L HowmuchdayouneedtopaybythePaymentDueDate?
`
`AmountioucanPayatAnyTime
`YoucanpayallorpartofyourAccountbalanceatanytime.
`
`AmountYouMustPayBythePaymentDuepate
`YoumustpayyourMinimurnPaymentbythePaymentDueDate.Youcanfindthis
`amountandthedateenyourbillingstatement.
`YourMinimumPaymentindudesany amount past due pluswhicheverof the
`followingamountsaregreater:
`"
`1%oftheNewBalanceonyourbillingstatementplusthetotalwebillyeuduring
`theBilting
`Cydeforinterestandanyofthesefees:
`
`" Rushplastic
`"
`" Annual
`late
`WercundyourMinimumPaymentamountuptothenedhighestwholedollar
`amount.
`$25.00ortheAccountsentirebafanceiftheNewBalanceislessthan$25.00
`"
`Inaddition,you mustpayanyamountthat isover yourAccounesCreditUmit.
`However,wedonatincludethisamountinyourMinimumPayment.
`backtothetop
`2. Howcanyoumakeapayment?
`YoumustpayinU.S.dollarswithapersonalcheck,moneyorder,orcashierscheck
`thataUnitedStatesbankissues.
`Youcaneithermail your paymentto us or pay electronically,If you mail your
`payment,sendittotheaddressonyourbillingstatementandusetheenclosed
`envelopeandpaymentcoupon(ifyoureceiveprintedstatements).
`
`ElectronicConversions
`Wemayconvertchecksorotherpaperdocumentstoanelectronictransaction.Todo
`so,wefollowproceduresthattheNationalAutomatedClearingHouseAssociation
`establishes.Whenthisstephappens,wekeepatopyofthecheckordocumentyou
`sendusandnottheor%inal,Youcanrequesttoreceivethiscopyfromus.
`backtothetop
`3. CanyouuseapersonalloantopayyourAccount?
`Yes.YoucanuseapersonalloantomakeapaymenttoyourAccount.
`backtothetop
`4. Whatmethodsdowenotacceptforpayments?
`YoucannotusethefollowingmethodstopaythisAccount:
`AWellsFargoBank,N.A.creditorloanaccount,exdedingpersonalloans
`- AnyWellsFargo-affiliatedcompanycreditorloanaccount,excludingpersonal
`loans
`" SUPERCHECKSS
`Pleasenote:Donotmailcash.Inaddition,youcannotpayyourMinimumPayment
`withcredits,suchasrefundsforreturnedPurchases.
`backtothetop
`Whendoweprocesspayments?
`
`HowYouMakeaPayment
`
`WhenweCreditPaymentstoYourAccount
`
`Malledpaymentswereceiveby
`5:00p.m.atthetimezonewhere
`werKelvelt.
`
`Malledpaymentswereceive
`afters:00p.m.atthetimezone
`wherewereceivelt.
`
`Electronicpaymentsreceived
`throughWellsFargoonline
`BankingatWellsfargo.com
`
`Thedaywereceivethepayment
`
`Thedayafterwereceivethepayment
`
`Thecutofftimethatwesharewithyouwhenyou
`makeyourpayment
`
`Page10
`
`12 of 36
`
`

`

`FILED: NEW YORK COUNTY CLERK 12/12/2024 03:34 PM
`NYSCEF DOC. NO. 17
`
`INDEX NO. 152599/2024
`
`RECEIVED NYSCEF: 12/12/2024
`
`MakingPaymentsthat DoNotFollow0ur Instructions
`wernaycredityourpaymentupto fivedaysafterwereceiveit if youdonot follow
`ourinstructionsfor howto makeapayment.
`Pleasenote:Wemaychooseto holdsomeof youravailablecredit Limit untilwe
`honoryourpayment.
`hackto thetop
`6- Howdoweapplyyourpayments?
`
`MinimumPayment
`Generally,weprocessyourMinimumPaymentin thefollowingorder
`1. LowerAPRbalances(suchasPurchases)
`2. HigherAPRbalances(suchasCashAdvances)
`
`Your Information
`
`information
`
`for California
`
`AmountsInExcessofthe MinimumPayment
`IfyoupaymorethanyourrequiredMinimumPayment,thenweapplytheexcessfirst
`to thehigherAPRbalancesandthento lowerones.Wedosobasedonthe balances
`inyourlastbillingstatement.
`Pleasenote:If weacceptpaymentsthat arelessthanthe full amountyouowe,we
`donottonsiderit asafull payment.
`backto thetop
`7. Whendowepostpaymentsto your Account?
`Wepostpaymentswithinthe BillingCyclethat wereceivethemfromyou.
`backtothe top
`Part5:ManagingContactDetailsand
`1. Howmaywecontact you?
`Youagreethat wehaveyourconsentto contactyouat anyphonenumber,email
`address,ormailingaddressyouprovidefor anyWellsFargoaccountoratanynumber
`that youcall us from or at anynumberthat we obtainby other means.Efyou
`providedaphonenumber(s),youagreethat youareauthorizedtoprovidethisphone
`number{s)andagreeto receivetalts andtext messagesfrom WellsFargoat this
`numberls)for all yourcurrentandfutureWellsFargoproductsandservices.This
`doesnot giveWellsFargoperrnissionto callor text youfor marketingpurposes.
`Messageanddataratesmayapply.Messagefrequencyvaries.Automatedsystems,
`indudingprerecordedor artificialvoicemaybeused.
`backto thetop
`2. Canweverifyyourcreditinformationmorethanonce?
`Yes.At anytime, we canreviewany informationyou providedon your credit
`application.
`Thisreviewmayinclude:
`" Requestingcreditbureaureports
`" Verifyingyourcurrentcreditstanding
`" Verifyingyouremployment,assets,andincomerecords
`backto thetop
`can we gather
`3. What additional
`residents?
`Atanytime,wecanobtaininformationaboutyoufromtheCaliforniaDepartmentof
`M