Complaint Limited 10K and 25KCal. Super. - 6th Dist.November 23, 2020E-FILED 11/23/2020 10:17 AM Clerk of Court Superior Court of CA, County of Santa Clara 20CV373912 Reviewed By: R. Tien 20CV373912 PLD-C-001 ATTORNEY 0R PARTY WITHOUT ATTORNEY (Name, State Bar number, and address): Lina M. Michael, Es . (SBN; 237842) F°R°°URTUSE°NLV MICHAEL & ASSO IATES, PC 555 St. Charies Drive, Suite 204, Thousand Oaks, CA 91360 TELEPHONE N0: (805) 3798505 FAX N0. (Optimal): (805) 379-8525 E-MAIL ADDRESS (Optional).- ATTORNEY FOR (Name): American Express National Bank, Successor by Merger lo American Express Bank, FSB SUPERIOR COURT OF CALIFORNIA, COUNTY OF SANTA CLARA smear ADDRESS: 191 N. First Street MAILING ADDRESS: CITY AND ZIP CODE: San Jose, CA 951 l3 BRANCH NAME;Downtown Superior Court PLAINTIFF: American Express National Bank, Successor by Merger t0 American Express Bank, FSB DEFENDANT; Gary B Zoeilner MD, aka Gary B Zoeilner, aka Dr. Gary B Zoellner, an individual Doss 1 To 20 CONTRACT compmmr E] AMENDED COMPLAINT (Number): C] caoss-COMPLAINT E3 AMENDED cRoss-c0MPLAmT (Number).- Jurisdiction (check all that apply): CASE NUMBER.ACTION IS A LiMiTED CIVIL CASE ' Amount demanded 3 does not exceed $10,000 HX_[ exceeds $10,000 but does not exceed $25,000 ACTiON ES AN UNLiMITED CIVIL CASE (exceeds $25,000) ACTiON ts RECLASSIFIED by this amended complaint or cross-complaint Ejfrom limited to unlimited [jfrom unlimited to limited 1- Plaintif? (name 0r names}: American Express National Bank, Successor by Merger to American Express Bank, FSB alleges causes of action against defendant* (name or names): Gary B Zoeilner MD, aka Gary B Zoellner, aka Dr. Gary B Zoellner, an individual; Does l to 20. 2. This pleading, including attachments and exhibits, consists of the following number of pages: l4 3. a. Each plaintiff named above is a competent aduit excel“ Plaintiff ("am9)-' American Express National Bank, Successor by Merger to American Express Bank, FSB (1) -a corporation qualified to do business in California (2) Dan unincorporated entity (descn‘be): (3) Ejother (specify): b. EPlaintiff (name): a. thas complied with the fictitious business name laws and is doing business under the fictitious name (specify): b-m has complied with all iicensing requirements as a licensed (specify): c, E] Information about additional plaintiffs who are not competent aduits is shown in Attachment 3c. 4. a. Each defendant named above is a natural person C] except defendant (name): [j except defendant (name): (1) {:3 a business organization, form unknown (1) [:3 a business organization. form unknown (2)E a corporation (2) E] a corporation (3)a an unincorporated entity (describe): (3)a an unincorporated entity (describe): (4) [:1 a pubric entity (describe): (4)D a public entity (describe): (5) [j other (specify): (5) CZ] other (specific: " If this form is used as a cross-complainl, pfainliff means crosscompia'mant and defendant means cross-defendam. Page 1 of 2 Fzméigfirgzfigcfgg?gtaiggarlnfise COMPLAINT-Contract Code or Civil Procedure, § 425. 12PLD-Com [Rev‘ January 1, 2007} LexisNexis® Automated California Judicial Council Forms PLD-C-001 SHORT TITLE CASE NUMBER AMEX vs. Zoellner, et a1. 4, (Continued) b. The true names of defendants sued as Does are unknowq to piaiptiff. (1) Doe defendants (specny Doe numbers): 1-10. Incluswe defendants and acted within the scope 0f that age_ncy or gmployment (2) Doe defendants (specify Doe numbers): 1 L20, IHCIUSIVS plaintiff were the agents or employees of the named are persons whose capacities are unknown to c. D Information about additional defendants who are not natural persons is contained in Attachment 40‘ d. D Defendants who are joined under Code of Civil Procedure section 382 are (names): 5, D Plaintiff is required to comply with a claims statute, and a. E has complied with applicabie cIaims statutes, or b. E is excused from complying because (specify): 6. D This action is subject to E Civil Code section 181210 E Civil Code section 2984.4; 7. This court is the proper coun because a. D a defendant entered into the contract here. b. E] a defendant lived here when the contract was entered into. C‘ a defendant fives here now. d. [j the contract was to be performed here. e. D a defendant is a corporation or unincorporated association and its principal place of business is here. f. E real property that is the subject 0fthis action is located here. g‘ D other (specify): 8. The following causes 0f action are attached and the statements above apply to each (each complaint must have one or more causes of action attached): E Breach of Contract Common Counts U Other(specim; 9, E Otheraliegations: 10. Plaintiff prays forjudgment for costs of suit; for such relief as is fair, just, and equitable; and for a; damages 0f: $ 14,841.69 b~ D interestonthe damages (1)D according to proof (2) [j at the rate of (specify): percent per yearfrom (date): c. B attorney‘s fees (UEI 0f: $ (2)D according to proof d, D other (specify): 11. The paragraphs of this pleading alleged on information and belief are as follows (specify paragraph numbers): 7 ; / . Date: November l 3i , 2020 /\Lina M. Michael. Esq. (’SBN: 237842) } (TYPE 0R PRINT NAME) M (STEWF PLAWTIFF 0R ATTORNEY) {If you wish to verify this plead , affix a verification. PLD‘oom [Rev January 1‘ 2007] COMPLA|NT_._Contract page 2 of 2 Le.\‘ls-Nexis® Auromared (‘a/{flmm’a Judicial Conner] Forms PLD-C-OO1(2) SHORT TITLE: CASE NUMBER: AMEX vs. Zoellner, et a1. FIRST CAUSE OF ACTION-Common Counts (number) AflACHMENT To Complaint [:1 Cross-COmpiaint (Use a separate cause of action form for each cause of action.) CC-1- Plaintiff (nam9)5 American Express National Bank; Successor by Merger t0 American Express Bank, FSB albges that defendant (name)5 Gary B Zocllner MDw aka Gary B Zoellner, aka Dr. Gary B Zoeilner, an individual: Does I t0 20. became indebted to plaintiff [:1 other (name): a. within the Fast four years (1) 0n an open book account for money due. (2) because an account was stated in writing by and between plaintiff and defendant in which it was agreed that defendant was indebted to plaintiff. b. D within the last [:3 two years [j four years (1) m for money had and received by defendant for the use and benefit of plaintiff. (2) D for work, labor, services and materials rendered at the special instance and request of defendant and for which defendant promised to pay plaintiff. E] the sum of $D the reasonable value. (3) D for goods, wares, and merchandise sold and delivered to defendant and for which defendant promised to pay plaintiffE the sum 0f $ E] the reasonable value, (4) E] for money lent by plaintiffto defendant at defendant's request. (5) D for money paid, iaid out, and expended to or for defendant at defendant's special instance and request. (6) E] other (specify): CC-2. $ 14,841 .69 , which is the reasonable vatue, is due and unpaid despite piaintiff‘s demand, plus prejudgment interest D according to proof El at the rate 0f percent per year from (date): CC-3‘ E Plaintiff is entitled t0 attorney fees by an agreement or a statute C] 0f$E accordingto proof. (:04. D Other: Page 3 of 14 Page 1 of 1 Form Approved for Optional Use CAUSE OF ACT|0N_Common Counts Code of CNN Procedure, §425 12Judima! Councal of Ceilfomxa wvwv coun‘rnfo ca govPLD-C-OO1(2) [Rev January 1, 2009] Lexrs-Nex-istfi) Auramaled Calijbmia Judicial Cozlnc/l Forms PLD-C-001(2) SHORT TITLE: CASE NUMBER: AMEX vs. Zoellner, et a1. SECOND CAUSE OF ACTION-Common Counts (number) ATTACHMENT TO Compfaint E Cross~Complaint (Use a separate cause of action form for each cause of action.) CC-T Plaintiff (nam9)1 American Express National Bank, Successor by Merger t0 American Express Bank, FSB alleges that defendant (Hamel Gary B Zocliner MD, aka Gary B Zoellnea aka Dr‘ Gary B Zoellncr‘ an individual; Does 1 to 20. became indebted to plaintiff E] other (name): a. E] within the last four years (1) [j on an open book account for money due. (2) D because an account was stated in writing by and between piaintiff and defendant in which it was agreed that defendant was indebted to plaintiff b. within the last [j two years four years (1) E for money had and received by defendant for the use and benefit of ptaintiff‘ (2) E for work, labor, services and materials rendered at the special instance and request of defendant and for which defendant promised to pay plaintiff.E the sum of $ [j the reasonab|e value. (3) i: for goods, wares, and merchandise sold and delivered to defendant and for which defendant promised to pay piaintiffD the sum of $D the reasonable vaiue» (4) for money lent by plaintiffto defendant at defendant's request (5) E for money paid, laid out, and expended to or for defendant at defendant's specia| instance and request,D other (specify): CC-Z. $ 143841 .69 ,which is the reasonable value, is due and unpaid despite plaintiffs demand. pius prejudgment interest D according to proof E] at the rate of percent per year from (date): (30-3. D Plaintiff is entitled t0 attorney fees by an agreement or a statute [j of$E accordingto proof. 00-4. E] Other: Page 4 0f 14 Page 1 0H Form Approved for Ophonal Use ___ Code of CM! Procedure‘ § 425 12Judicial Council of CaMorma CAUSE OF ACT‘ON common counts wwwcoumnfo cagovPLD-C-oom) [Rev January 1, 2009} LefcrsN'ex/flfir Automated Ca/{fbmm Judicial Council Forms EXHIBIT “A” Business Platinum Card® ' ', ‘ p. 1/9GARY B ZOELLNER MD l l xGARY B ZOELLNER MD Closing Date 06/19/18 Next Closing Date 07/20/18 a Account Ending 3004 ”New VBalah’crev > $14,841.69 Visit Minimum Payment Due $2,601.12 ' « www.membershiprewards.com g Includes the pastdue amount of $2,457.12 ' . i ”W”, V ,,,,,,Payment Due pater 7 H A 7 07/14/18 r Account Summary i Late Payment Warning: lfyou do not pay your Minimum Payment Due by ‘ Pay I“ Fun Portion your Next Closing Date of 037/20/1 8, you may have to pay a late fee ofthe Previous Balance $451 .1 2 greater of $38.00 or 299% 0fthe past due Pay in Full amount Aiso, your Pay ; payments/Credits ”$0.00Over Time APR may be increased t0 the Penalty APR of 29.99%. 3 New Charges +£0.00 ' Fees +$0.00 New Balance = $451.12 Pay Over Time Portion ‘ Minimum Payment Warning: If you make only the minimum payment each period, ‘ PVEViOUS Ba‘ar‘cve 31439057 ‘ you wiH pay more in interest and it will take you longer t0 pay off your balance, For 1 PaymentS/Cmd'ts '$0-00 example: i New Charges +$0.00 ; 7 V r r ; Fees +$0.00 1 V [fyou make no additional You will pay off the Pay Over And for ?he Pay Over Time : I Eéereg‘c’t‘cmrgec‘ _ $14 :38? 3,‘ charges and each month you Time balance shown on this balance you will pay an -' MW a anée ‘ $2’1 50'00 i ‘ pay“. statement in about.“ . estimated total of,“ m'mum ”e ' ‘ E ‘ , 0W1“? 24 years $34,832 i i ACCOUHtTota' iMlmmum Payment Due , , I I t Previous Balance $14,841.69 ; W , 7 ,,, ., , , .. . _. l Payments/Credits $0.00} If you would like Information about credzr counseimg servxces, call 1-888-733-41 39V f New Chames +5000 1 : - Fees +3000 I“'7 See page 2 for important information about your account. ‘ -_' lnterest Charged +5000 ‘ § ‘ ‘ 1 . . , .. . V , , H ‘ , E New Balance $14,841.69 ‘ jE See page 5 for an Important Notice About Changes to Your ‘ Minimum Payment Due $2,601 .12 ‘CardmemberAgreement. 5 , ., V ,. ,. , ., , g Days in Billing Period: 30 I See Page 7 for Important information regarding benefits 7 ' ' ‘H L ' ’a _ r . underwritten by AMEX Assurance Company. Custome“ care I _ V _ > Pa by Computer ‘. . . . . . m V (D Thus statement Is for Information purposes only. Thus is not a ball. . Open-Com/Pbc 3 ‘Please contact your collections agency for account information. r v ~ w 7 r 7 * v r - - . Disregard the Minimum Payment Due, yout account is in default and j Customer Care Pay by Phone the balance is due in full. . . 18004928468 “8004729297 ‘l 75; See page 2 for additional informatéon. r § IContinued on page 3 4/ Please fold 0n the perforation below, detach and return wuth yqur paymenux Payment Coupon Pay by Computer Pay by Phone Acmunt Ending 3004 Do not staple or use paper clips open.com/pbc ' 1-800-472-9297 , ’“ Enter 15 dlglt account # on all payments Make check payabie t0 American Express. "n'Ilhlll'”III‘IIIIWI'IIHHII'IIIWI'E'IIH'III'IIIII'HI GARY B ZOELLNER MD Payment Due DateGARY B ZOELLNER MD 07/14/13 _ New BalanceDHN JUL): Ln ygmu 1/19 $14,841.69 Minimum Pa ment Due 2,601.12 IIIIIIJIIIIIIIIIIIIIlllllllllllllllIililllllllllIlilltlllllllllll Check here ifyour address 0r ._ AMERICAN EXPRESS $fi_____~_ I phone number has changed. r BOX 0001 Amount Enclosed Note changes on reverse side. L05 ANGELS CA‘Qoegé’BOOO GARY B ZOELLNER MD r AcgguEEVEjgjngw 3004 P- 2/9 Payments: Your payment must be sent to the payment address shown on yourstat'ement and must be received by S p.m. iocaf time at that addressto be credited as 0f the day it is received. Payments we receive after 5 pm. wHE not De credited to your Account unti! the next day. Payments mustalso: (1) include the remittance coupon from your statement; (2} be made with a singie check drawn on a US bank and payabie in US dollars, or with anegotiable instrument payabie in US dollars and clearabie through the US banking system: and [3) include your Account number. if your paymentdoes not meet all of the above requirements] credéting may be delayed and you may incur iate payment fees and additional interest charges,Eiectronic payments must be made through an efectronic payment method payabEe in US dollars and ciearable through the US banking system, waeaccept payment in a fGreign Currency] we will convert it into US doEIars at a conversion rate that Es acceptabie to us, unless a particuiar rate is requiredby iaw, Please d0 not send post-dated checks as they wii1 be deposited upon receipt. Any restrictive language on a payment we accept wiH have noeffect on us without ow express prior written approvaf. We will re-present to your financial institution any payment that is returned unpaid. Permission for Electronic Withdrawal: (1) When you send a check for payment, you give us permission to electmnicaély withdraw yew paymentfrom your deposit 0r other asset account; We wjll process checks efectronicaliy by transmitting the amount of the check, routing number, accountnumber and check serial number 10 your financia! institution, unless the check Es not processabie electronicaliy or a less costiy process is avaiiablelWhen we process your Check electronica‘dy, your payment may be withdrawn from your deposit or other asset account as soon as the same day wereceive your check, and you will not receive that cancelied check with your financial account statement If we cannot coliect the funds eiectronicallywe may issue a draft against your deposit or other asset account for the amount 0fthe check. (2) By using Pay By Computer, Pay By Phone 0r anyother eiectronic payment service of ours, you give us permission to eiectrom‘cafly withdraw funds from the deposit or other asset account you specifyin the amount you request, Payments using such services of ows received after 8:00 p.m. MST may not be credited until the next day, How We Calculate Your Ba§ancez We use the Average Daify Balance (ADB) method {induding new transactions) to caicufiate the balance on whichwe charge interest for Pay Over Time balances on your Account Call the Customer’ Care number 3isted beiow for more fnformation about thisbalance computation method and how resulting interest charges are determined The methodwe use r0 calculate theADB andinteresrresults in dailycompounding of interest, How to Avoid Paying Interest: If you have a Pay Over Time balance, your due date i5 at least 25 days after the close of each billing period. We willnot charge interest on charges added to a Pay OverTime batance if you pay the Account Total New Balance by the due date each month‘ Foreign Currency Charges: Ifyou make a Charge in a foreign currency, we will convert it into US doiEars on the date we or our agents process It. Wewili choose a conversion rate that is accegtable to us for that date, unless a particular rate Es required by Iaw‘ The conversion rate we use is no morethan the highest official rate pubhshed by a govemment agency Or the highest interbank rate we identify from customary banking sources 0n theconversion date or the prém business day. This rate may differ from rates in effect pr} the date of your charge, Charges converted by establishmentswill be biifed at the rates such estabifshments use. I . Credit Balance: A credit balance (designated CR) shown on this statement represents money owed to you. ifwithin the six-month period fofiowingthe date ofthe first statement indicating the Credit balance you do not request a refund or charge enough to use up the credit babnce, we wit? sendyou a check for the credit balance within 30 days ifthe amount i5 $1.00 or more. Credit Reporting: We may report information about your Amount to credit bureaus. Late payments, missed paymentsl or other defaults on yourAccount may be reflected in your uedit report, ‘ Customer Care 8: Billing Inquiries 1-800-492-8468 Hearing Impaired I _ ;1International Collect 1-623-492-7771 9 TTY: 1~800-221 «9950 , 1 W9b$|te= amemanexPreSicom ‘ 3 Large Print 8c Braille Statements 1~800~492A8468 FAX: 743006959090 “ 3 Express Cash ?VBOO-CASHvNOW in NY; 1800-5224 897 ‘ 1 Cusmme" Care , , ‘ ‘ N ‘ 7 § & Billing Inquiries Payments ; P.0‘ BOX 981 53S BOX 0001 ‘ £ EL PASO, TX LOS ANGELES CA 1799984 535 90096-8000 1 Change of Address If correcton front, do not use, . . , , . , Pay Your BIII wnh AutoPay' To change your address onlinel Visit www‘amerlcanExpress.com/updatecuntact‘mfo ' For Name, Company Name, and Fore‘rgn Address or Phone changes, please call Customercara AVOid-late fees ' Please print cleariy in bJue or black ink only Ln the boxes provided Save tlme l Deduct your payment from your bank Street Addyess ‘ account automaticaliy each month “-4! A \ , w 3 . . . ‘ ‘ ‘ ‘ ‘ ‘, ‘ ‘Visn amerucanexpress.com/autopay 1 i ‘ 1 1 g g j jtoday to enroll‘ 1 x 1 I ; I . l ‘ . i 1 1 gCliy, State 3 I J ‘ a Zip Code 1 J ‘ 1 j l f 2 ‘ L w A I r ,J Area Code and 1' } [ V\ ‘Home Phone 1 i 1 3 Area Code and i ‘ V “ 77 r . , ka phone g ‘ ‘ A_J For informatton on how we protect yourv 7 , privacy and to set your communicatx’onEmail L and privacy choices, please visit www.american expresuomipriva (y. Business Platinum Card® GARY B ZOELLNER MD GARY B ZOELLNER MD Closing Date 06/19/18 (D Please note, your preset line is $14,700.00. m=l p319 Account Ending .3004 You have spent $14,841.69. 1 Amount Tota! Fees for this Period 7 77 V M7 $0.00 ’. _ “7,, _. ,. _,,___._.,. ,_,__,__*m,,_,__,__ ‘ - WW-“m,,_H.__H__A.VA_mwwh-W «.w...«..-w-_hw I Interest Charged j Amount Total Interest Charged for thisflPeriod r ¥ 7 $0.00 About Traiiing Interest You may see interest on your next statement even ifyou pay the new balance in full and on time and make no new charges. This is called "trailing interest." Trailing interest is the interest charged when, for exampie, you didn‘t pay your previous balance in fuIE. When that happens we charge interest from the first day of the billing period until we receive your payment in fuil. You can avoid paying interest on purchases by paying your balance in fuil and on time each month‘ Piease see the ”When we charge interest" sub-section in your Cardmember Agreement for details. 2018 Fees and Interest Totals Year-to-Datme Total Fees in 2018 . Total Interest in 2018 l 1 g 1 Amount $1 14.00 $962.72 GARYBZOELLNER MD Accoun! Ending 3004 . t I ‘ ‘ ’ 9-4/9, Business Platinum Card® p. 5t9 GARY B ZOELLNER MD 5M GARY B ZOELLNER MD Closing Date 06/19/18 Account Ending 3004 Notice of Important Changes to Your Cardmember Agreement We are making changes summarized below to your account terms, which are contained in the American Express Cardmember Agreement ("Agreement") governing your Account referenced in this notice. We encourage you to read this notice, share it with Additional Cardmembers on your account, and file it for future reference. If you have any questions about this Change, please call the number 0n 1he back 0f your Card, The detaifed changes to your Cardmember Agreement can be found on the following page. Summary of Changes, Effective Immediately Credit Reports Currently, the Credit Reports section of your Agreement states that you agree that we may use credit reports and other information about you for any purpose, subject to applicable iaw‘ Effective Immediately, we are updating your Agreement t0 provide two examples of how we may use credit reports and other information about youk We may contact you Effective Immediately, we are adding language to clarify the various ways we, our affiliates, agents and contractors can contact you, including email notifications, in order to service your account 0r coliect amounts you owe to us. ID 12655 See the following page for the Detail of Changes to your CardmemberAgreement, CMLENDDMRUSOZB1 GARY B ZOELLNER MD Account Ending .3004 p_ 5/9 Detail of Changes to Your Cardmember Agreement This notice amends the Cardmember Agreement (”Agreement") as described below‘ We have the right to amend as described in the Agreement. Any terms in the Agreement conflicting with this change are replaced fully and completely. Terms not changed by this notice remain in full force and effect. Effective Immediateiy. we are deleting the last sentence of the first paragraph of the Credit Repon‘s subsection of the Otherimporfanr information section in Pan 2 of the Agreement and replacing it with the fotlowing: And you agree that we will use such information for any purposes (for example, marketing to you or evaluating you for a new account), subject to applicable law. Effective Immediately, we are deleting the We may contact you subsection of the Otherimponant information section in Part 2 ofthe Agreement and replacing it with the foliowing: We may contact you Servicing and Collections ifwe need to contact you to service your account 0r t0 coliect amounts you owe, you authorize us (and our affiliates, agents and contractors, such as debt collection agencies and service providers) to contact you at any phone number or email address you provide, from which you contact us. or at which we believe we can reach you. We may contact you in any way, such as calling, texting, emailing, sending mobile application push notifications or using any other method of communication permitted by law We may contact you using an automated diaier or prerecorded messages, We may contact you on a mobile, wireless or similar device, even if you are charged for it. - Call monitoring We may monitor and record any calEs between you and us. CMLENDDMRUSOEB‘I Busmess Platinum Card® I . a V p. m GARY B ZOELLNER MD 1 GARY B ZOELLNER MD Closing Date 06/19/18 Account Ending 3004 Notice of Update to an Additional Benefit of Your Card As described below. We made updates to Your Extended Warranty and Purchase Protection card benefits. These benefits are provided to You at no additional charge as part of Your Card Membership We encourage You to read this notice and file it for future reference. Extended Warranty1 Extended Warranty is provided t0 You as a benefit of Card Membership at no additional charge when a purchase is made with Your eligible Card, For claims submitted to Us on and after August 1, 2018. one ofthe following wili occun If the original manufacturer’s warranty is less than two (2) years‘, We will match the length 0fthat warranty. If the original manufacturer's warranty is between two (2) and five (5) years*, We will increase coverage to provide two (2) additional years of warranty. The benefit is limited to the actual amount charged to Your Card for the item, up t0 a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. *For residents of Indiana, Guam, Puerto Rico, and Northern Mariana Islands, Your coverage will continue t0 match the original warranty period for warranties of Jess than one (1) year or provide one (1) additionai year ifthe warranty is between one (1) and five (5) years. Purchase Protectionz Purchase Protection is provided t0 You as a benefit of Card Membership at no additional charge when a purchase is made with Your eligibie Card. For claims submitted to Us on and after August 1, 2018. the coverage duration on eligible purchases will be increased from 90 days 10 120 days? *For residents of New York, lndiana, Guam, Puerto Rico, and Northern Mariana Islands coverage duration remains at 90 days. To learn more about other benefits that may be available t0 You as a pan of Your Card Membership, please visit americanexpress.com/benefitsguide. ID 12648 Extended Warranty rs underwritten by AMEX Assurance Company and Tokso-Mame Pacific Insurance Limited Subject to additional terms conditions and exclusions ZPurchase Protect on Is underwritten by AMEX Assurance Companv and Tnkio Marine Pacific Insurance L mited. Subject t0 additional terms cond lions and exclusxons. CMLENDDMRUSU264 GARY B ZOELLNER MD Account Ending 3004 p. 5/9 OPEN Savin%sD® Summary p 9/9 GARY 8 ZOELLNER GARY B ZOELLNER MD Closing Date 06/1 9/18 Account Ending 33004 Discounts ‘Membership Rewardsc" Points f This Period $0.00 ‘ This Period 0 1Year to Date $0.00 ‘ Year to Date 0 J Discounts will be applied in the form of a statement credit. For full terms and conditions go to opensavings.com. The Membership Rewards points balance shown above reflects only points received through the OPEN Savings benefit and may not reflect any reversais. Please refer to your Membership Rewards account balance for the most up-to-date balance information. Hertz BARNESézuumE \aflWmBN.cum Merchant partzctpatlon and offers are subject to charge wnhout notice Maximum annual savmgs cap and exclusxons may appiy le- Ihe benefit you can receive, See individual OPEN Savings partner terms and condlilons located at opensavings.com.