FILED: ORANGE COUNTY CLERK 02/02/2024 03:16 PM
`NYSCEF DOC. NO. 3
`
`INDEX NO. EF001004-2024
`
`RECEIVED NYSCEF: 02/02/2024
`
`"EXHIBIT
`
`B"
`
`Filed in Orange County
`
`02/02/2024
`
`03:16:35
`
`PM $0.00
`
`Bk: 5156
`
`Pg: 809
`
`Index: # EF001004-2024
`
`Clerk: EBR
`
`

`

`FILED: ORANGE COUNTY CLERK 02/02/2024 03:16 PM
`NYSCEF DOC. NO. 3
`
`INDEX NO. EF001004-2024
`
`RECEIVED NYSCEF: 02/02/2024
`
`FordPass RewardsVisa*
`
`2253
`
`osuss
`
`CHRISTOPHERBLACKWELL
`105SANDBURGPL
`PINEBUSHNY12666-6724
`
`AccountNumber:
`NewBalance:..-......-........-........$2,807.80
`WlinimumPaymentDue: ..-...............$92.42
`PaymentDueDate:...............AprE20,2023
`MakecheckspayablebFirs1NationalBankciOmaha
`FirstNationalBankof Omaha hM Paymedmad
`P.O.Box2557
`Omaha.NE68103-2567
`
`Changeof Addrest? if yes,please
`completereverseside.
`
`PLEASEDETACN14EM6ANDRETURNTOPPORTIONWrTHYOURPAYMENT
`FordPasshwardsm Platinum Visa®
`
`AccountNumber:
`
`Account
`
`Summary
`
`Payment
`
`Information
`
`Previous Balance ...............$2,835.81
`Payments ................................-393,21
`Other Credits ............................-$0.00
`Purchases ................................+$0.00
`Balance Transfers ..................,+$0.00
`Cash Advances .......................+$0,00
`Fees Charged .......,..................+$0.00
`Interest Charged ....................+$65.00
`New Balance -................... $2,807.80
`StatementClosing Date .......03/22/23
`Days in Billing Cycle .......................28
`
`Total Credit Limit
`................$2,800.00
`Available CredL......................... $0.00
`Cash Limit .....-........................$560.00
`Available Cash ...........................SO.00
`
`New Balance ...............................................-.......-.........$2,007.60
`Minimum PaymentDue ..........................................................$92.42
`Past Due Amount ....,................................................................$0.00
`Payment Due Date....................................-........-........April 20, 2023
`Û t.ate Payment Warning:
`If wedonotreceiveyourminimum
`paymentbythedateG$tedabove,youmayhavetopaya Inteleeof upto
`$40.
`Minimum Payment Warning: 11youmakeonlytheminimum
`paymenteachperiod,youwillpaynere in interestanditwit takeyou
`longertopayoffyourbalance.ForExample:
`ur= makemedmone Youw payanmetuhoe
`*h°""'''""""
`***''°***'"S"**'''"d
`
`AndyouwRendup
`P'Has8""S"d'd
`
`or
`
`12years
`$7,srt
`theminimumpayment
`54'320
`ayears
`so
`(Sav(nce53.361)
`KyouwouldAkeintormallonaboutcredilcounseUngservices,cal1-866-486-6322.
`
`Customer
`Service
`save Tinie and Stamps
`by Paying Online!
`
`Call: Toll Free
`1-866-795-8053
`glaganoeTransfer
`
`(TDDTelecomupurdeetionsDevicefortheDeal:1-800425-2sis)
`Henne:1477-88B·8231)
`Visit: WWW.card.fnbo.com/ford
`Remitto: FirstNationatBankofOmaha,P.O.Box2557, Omaha,NEsa103-2567
`
`rating a little boost!
`Paying over your Ininimumamount due can help reduce your account balance faster than you think -
`and a lower averagebalance can help add up to a higher credit acorel
`
`Give your credit
`
`SUMMARY
`REWARDS
`Eam rewards Pointseveryday " you eam 5% back (10 Points/S1)on Ford Purchases,3% back (6 Points/SI)
`on Dining and Select Automotive Purchases -including Gas, Auto insurance, Tolls, and Parking,and 1%
`back (2 Points/S1)on all otherNet Purchases. Reviewyour Credit Card RewardsProgram terms and
`conditions for cornpletedetails including limitations.
`Point activity summary for the period çÁvered by this statement:
`0 Points earned on Ford Purchases
`0 Points earned on Dining and Select Automotive Purchases
`0 Points earned on other Net Purchases
`0 Bonus Points eamed
`0 Point adjustments
`0 Total Points eamed this month
`All Points eamed this month will be reported automatically to your FordPass" Rewards Account
`You can access your FordPass" Rewards Account by downloading the FordPass" app or visiting
`FordPassRewards.com.
`
`YÇyR YEARLY STATEMENT CREDIT BONUS OFFER:
`Your yearly spend to date is $3,106.80 (calculatedfrom the month you opened your account).
`Rememberto spend $6,000 annuaRyand eam a $200 statement credit - every year! This will be reset on
`your Anniversary Date.
`
`issuedbyFkstNatlermIBankofOmaha
`
`Seereversetoradditionalinformadon,
`
`Continuednext page
`
`

`

`FILED: ORANGE COUNTY CLERK 02/02/2024 03:16 PM
`NYSCEF DOC. NO. 3
`
`INDEX NO. EF001004-2024
`
`RECEIVED NYSCEF: 02/02/2024
`
`Freshen
`
`Up.
`
`information
`Keeping your
`current allows yoqacces
`to the latest offers and information
`regan$ng yoi
`Log in to Update
`account,
`Income
`añriually,.to
`ensure you gain access td the latest bffers n &
`information
`regarding your account.
`
`.
`
`Transaction
`Description
`
`Detail
`Transaction
`Trane
`Post Reference
`Date Number
`Date
`PaymentsandOtherCredits
`4-20
`4-20 mtacomograte4ones ONUNEPAYMENTTHANKYOU
`Fees
`TotalFeesForThisPeriod
`InterestCharged
`InterestChargeonPurchases
`InterestChargeonCashAdvances
`InterestChargeonBalancesTransfers
`TotalInterestForThis Period
`
`Account Number:
`
`Page002of002
`
`Credits (CR)
`and Debits
`
`$92M2(CR)
`
`30.00
`
`$7t.02
`$o,00
`80.00
`$71.02
`
`YourAnnumiPercentageRate(APR)istheannuainterestrateonyouraccount
`(vtVagiabbRate (f)FixedRate
`Charge
`AnnualPeneantage SpecialCNeror Elgi+o
`BalanceSubject DaysRaja
`PurchaseAPRExpirationDate
`Rate(APR)
`toInterestRate
`Used interestCharge
`Summary
`Purchases
`30.49%(v)
`N/A
`$2,835,68
`30
`$71.02
`CashAdvance
`30.49%(v)
`N/A
`$0.00
`So
`40.00
`2023 Total Year-to-Date
`Totalfeeschargedh 2023.........,............,,...................................$0.00
`
`TotalInteæstchanjedin2023 .-...”,...................................$201.53
`
`Additional
`
`Information
`
`Regarding Your Account
`
`NEWYORK RESIDENTSmaycontactthe New York StateDepartrnentof Financial
`Servicesto obtaina comparativelistingof creditcard rates,fees and graceperiods.
`New YorkStateDepartmentof FinancialServices: U877-226·5697.
`
`

`

`FILED: ORANGE COUNTY CLERK 02/02/2024 03:16 PM
`NYSCEF DOC. NO. 3
`
`INDEX NO. EF001004-2024
`
`RECEIVED NYSCEF: 02/02/2024
`
`To ensureaccuracy,pleaseprintclearlyushg upper-caselettersandnumbersonly.
`Pleasedo not use RedInk,Gelpens or Pencil.
`CHANGE OF ADDRESS, PHONE, OR E-MAR.
`
`Address
`Apt/BIdgft
`city
`State,ZIP
`HomePhone
`WorkPhone
`Cet Phone
`E-mailAddress
`
`if youhavea CreditCardforbusinesspurposes,andarerequestinganaddresschange,wemayrequestadditional
`infounallon.
`
`BalanceSubjectto intefestRale: Each1hlanceSubject(a Whilewemvestigalswhetherornottherehasbeenanenor,thefusewing
`InterestRale'shownonthefroMofthisslatement
`foreachBalance aretrue
`CategoryisdeterminedusingtheaveragedadybalanceOnobding * Weconnelbytocollecttheamounto questron,orreportyouas
`newpurchases)method.Eachsuchtetanceis calcuteled deloquentonIhelamoung.
`separainlyforeachperiodhat a paticularralewasin effect
`" thechargeinquestionmaysemainonyourstatement,andwemay
`(relerred10belowasa1tatePeriod<Togeleachaverageda% confnuetochargeyouinterestonthatamount.But.I wedetenninethat
`balanceforeachBalanceCategorfwefirstcomputea 'Daily wemadea mistake,youwignothavetopaytheamounginquestonor
`Balance"foreachdayof1heRatePeriodasMows:(1)weatart
`aminterestofo1herinesrelatedto1halamount
`wilhthebeginningbatanceof eachday,(2)wee:kfanynew " WNleyou¦ nothaveto paytheamouplin question,youare
`Irarisacionsandfees,ond(3| we subtractanysmalicaNe respom;blefortheremainderofyourbalance.
`payments.credia.or credifadjustmentoEachavemgedaily
`= Wecanapplyanyunpaidamountagainstyourcredtlimit
`bdancethalisshownonthefrontiscomputedbyadingupatthe
`Youmghts#YouAre(IIssagenedWithYourCreditCardPurchases
`DailyBa(ancesin theRalePeriodanddwdoglheblalbyhe
`Ifyouaredssatisfiedwiththegoodsorservicesthatyouhavepurchased
`numberqidaysintheRatePenod(wNchshowsonhe Irongas
`withyolscredrcard,andyouhWeMadin goodfaithtoconectthe
`DaysRoleUsed)inmakingthesecompulations.
`(a)wemayIrest
`problemwi1hthemechant,youmayhave1herightnal10paythe
`acredilbalanceasabalanced zem:and(b)wemaydelayaddn9 remainingamountdueonthepurchasaTousethisright.allof1he
`feeslo yourbalance·and(c)eachday,wemulltÈyourDa
`foggeregmustbeIrue:1.Thepurchasemusthavebeenmademyour
`Balanceby1heapplicatdedailyperiodera!eandaddthalamourdlo
`homeStateorwøun100milesofyourcurrentmailingaddress,andthe
`yourbalancetodeterminethenextday'tbeginnmgbalance-
`purchasepricemusthavebeenmoreman$50.(Note.Neitherofthese
`interestCharges:Weligure1heinterestchargesonyouraccount arenecessaryf yourpurchasetasbasedcaanadverhementwemailed
`andforeachBalanceCategorybyapplyingtheapphcaModady
`toyou,orifw ownthecompanybelsoldyoutheiloodsorneivices)2.
`penedicratetotheapphcableavemgedailybalanceandmumplyin9 Youmusthaveusedyourcredtcaidfortheputduse.PWdesesmade
`thatproduclbytheasnbarofdaysn theRatePeriod.Alld the
`ei1hcashadvanceshomanATMcr withacheckthalaccessesyour
`inlerestchargesforeachBalanceCalagorywHIbetotaledandghat
`credtcardaceountd)notquality.3.Youmustnotyethaveiuypedfor
`willbethelolalinterestcharged.
`thepurchase.
`Howto AvoidPayingIntereston PurchasesandEllgible Efallof1hecriteFigaboveafeinetandyouareslilldssatisfiedwiththe
`Purchases:Exceptesprovidedbelow,if youpayyourNea
`purchase,conlactusirrunfëgat:FirstNationalBadofOmaha,P.0Box
`Balarraasshownontheimntof thisbiling$1alemeIfbythe
`3696Omaha,NE66103-0006.WISeweinvestigate,
`thesamerules
`PaymentDueDateandifwealsorecewedfeymentinfulofyour
`applytothedeputedamountasascussedabwe.Afterwefinishour
`NewBalanceasindicatedonyourpreviousbdlingalatemen1byits
`investigation,wewilltellyououtdeceon.Atthatpant,ifweINnkyou
`PaymentDueDate(orifthatNewBalancewaszeooracredi),no
`oweanamountad you notpaynemaymportyouasdelinquent.
`iruerestchargeswillbe assesseden PurchasesandEligible Dawlityfor(InauthorIredUse: Ifyounoticethelosscrtheftofyour
`PurchasesshownonyournextbilDngstatementWewil,howevera creditcardorapossiNeunauthanzeduseofyourcard,yceshouldwrite
`giveyouthebenefdof thegraceperiodforPurchasesin y018
`lo ushumedatelyat P.0,Box3696Omaha,NE(18103-0696or 1he
`currentbillirigcycleif at Purchasebalancesindicatedonyour
`facsimlieeumber#124024096orcallusat1-800-688J07DYouwi#not
`previousstatementarepenHnfullbyIhepaymentduedategod
`()eliadeforanyunauthorizedusethatoccursaflerycurelÆus,You
`onlyif youhaveanoubiandngEligblePurchasebalanceatits may,haersvs.beliableforunsethorizedusehatoccursbeforeyour
`inkeduclayortowerpromolenalannualpeiceningefalesttheand
`notice10usJoanycase.yourlist4tywillnotaceed550
`ofyumdunersbiningstatement,Unlessyouhavebeenspeedicagy InfonnadenProwdedlo CreditBurnsus:Informationaboutyour
`notifiedothenrise,noperiodisprovidedtorepsyotherbalances accourdis periodcallyprovided10oneor nerecredtbureaus.Late
`withoutincurringinterestchages-inotherweds,thereis no
`payments,missedpayments.orotherdefaultsonyouraccountmaybe
`misrest-free(grace]periodfor CashAdvancesor Belance (ellac1edinyourcredtmport.IfyouINnkanyinfamtationaggardogyouor
`Transfus
`youraccountisinaccumle,wri1e10usonaseparatesheetat P.O.Box
`PaymeritRequiremsels:Paymentsmustbe(1)accomparnedby
`3412,Omaha,NE88103.0412.
`thetopportonofthisbdlingslaiement;(2)recesednolater1h80
`500p.m.(CentralTime)on1hePaymentDueDaleatthelocaiion
`wehavespecifiedforreceiptofyourpayment,(3)madeonyby
`checkormoneyorderifyourpaymenta madebymail(4)madain
`U.S.Dollars,and(5)senttotheP.O.Boxspecifiedontheidpotthe
`frontofthissislementlfweacceptapaymentthatdoesnotcomply
`withtheserequirements,
`theiamaybeadelayincreditingyour
`account,whichmayasultinadditionet
`interestandfees.if your
`paymentisreturnedunpaidbyyourbanitIbrmsufficient
`funds,we
`mayrefresentyourcheckeleclmnically.
`creditUnite-Onlythetash UmirponlonofyourCreditLimilis
`availablebr cashadvances'Availableoredit'or'AvailableCash"
`gelmsla thepartofyourCmditLimitor CashLimtthatwas
`avadebleasofthisbillmgstatements closingdateandmaynot
`reRectoverl«nitorcredtbalanceamounts.Wemayraisea lower
`yourCredtLimitamforCashUmitatanylimeandmayresirictthe
`amountthatisavailableforBalanceTransfers,A6erwecredha
`paymenttoyouraccount,theremaybeadelaybeforeitopersiesto
`sestoreyourAvailableCredtorAvailableCash-
`BILLINGRIGiff$SUMMARY
`Whatto DoIfYouThinkYouFindaMistakeonYourSlatement
`ifyouthinkthereisanerroronyourstatement,waletousat:Fast
`NmfonalBankofOmaha,P.0.Box3695Omaha,NE68103-0096
`Inyourletter,giveusthelogowinginfamallen.
`" AcoowAirlfomialonYourRameandaccourrlMmber.
`" Dollarwnounf·Thedollarsmountofthesuspectedemm
`" DesceptionofRuNemifyouthis thereisanattoronyawbul,
`describewhatyoubelieveiswrongondwhyyoubelieveit isa
`mistake
`Youmustcontactuswithm60daysafleriheenorappearedonyour
`slatementYoumustnoli¼usatanypotentialenusininitingYou
`maycallus,butifyoudowearenotrequired10mwesfgahany
`potentalerrorsandyoumayhave10paytheamountinquestion
`
`