NEW YORK INTEREST RATE - Legal: 9% Judgment: 9% Usury: 16% STATUTE OF LIMITATIONS (IN YEARS) - Open Acct.: 6 Sale of Goods: 4 Written Contract: 6 Domestic Judgment: 20 (10 yr. renewable lien) Foreign Judgment: 20 (10 yr. renewable lien) BAD CHECK LAWS (CIVIL PENALTY) - Face value of check plus two times check amount up to a maximum of $400 on NSF or $750 on "no account" (Demand prescribed by law). GEN.OB.1.1-104. (Conspicuous posting at time & place of sale required) GENERAL GARNISHMENT EXEMPTIONS - 90% of earnings, except 1st $154.50 wk. wholly exempt (only if the person earns minimum wage). COLLECTION AGENCY BOND & LICENSE - Contact: Secretary of State 41 State Street Albany, NY 12231-0001 Phone: (518) 474-0050 • Fax: (518) 474-4765 email:info@dos.state.ny.us web: www.dos.state.ny.us