Opinion Excerpt

Michalczyk v HSBC Bank USA, N.A. 2026 NY Slip Op 04850 August 5, 2026 Appellate Division, Second Department Published by New York State Law Reporting Bureau pursuant to Judiciary Law § 431. This decision is uncorrected and subject to revision before publication in the Official Reports. Mildred J. Michalczyk, appellant, v HSBC Bank USA, N.A., respondent. Supreme Court of the State of New York, Appellate Division, Second Judicial Department Decided on August 5, 2026 2021-00165, (Index No. 604007/19)