BankAmericard'

BankAmericard' Account Summary Previous Balance $509.26 Payments and Other Credits $0.00 Purchases and Adjustments $0.00 Fees Charged $25.00 Interest Charged $9.88 New Balance Total $544.14 Total Credit Line Esoo.00 Total Credit Available $ac* Cash Credit Line $200.00 Portion of Credit Available for Cash Statement Closing Date 01/16/2019 Days in Billing Cycle 31 Bank of America #a Payment Information New Balance Total Current Payment Due Past Due Amount Customer Service Informa0on: www.bankofamerica.com 1.800.421.2110 TTY: 1.800.346.3178 Mall billing inquiries to: Bank of America P.O. Box 982234 El Paso TX 79998-2234 Mall payment to: Bank of America P.O. Box 15019 Wilmington DE 19886-5019 December 17 - January 16. 2019 $544.14 $39.09 $25.09 Total Minimum Payment Due $64.00 Payment Due Date 02/13/2019 Late Payment Warning: If we do not receive your Total Minimum Payment by the date listed above, you may have to pay a late fee of up to $38.00. Total Minimum Payment Warning: If you make only the Total Minimum Payment each period. you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional charges using this card and each month you pay You will payoff the balance shown on this statement in about And you will end up paying an estimated total of Only the Total Minimum Payment 2 years $666.00 f you would like information about credit counseling services, call 866.300.5238. BANK OF AMERICA P.O. BOX 15019 WILMINGTON DE 19886-5019 Now Balance fowl Total Minimum Payment Due Payment Due Date Enter payment amount $ $544.14 Setoo 02/13/2019 for change orederess/Ohorte number, see reverse side. Make /our pennant online et www.benkolemerica.00m or Mail this coupon along with your check payable to: Bank al MAMMA EFTA00123581 December 17 -January 16, 2019 One . COO •0CKs• 0 IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST - We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date. TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and are compounded on a daily basis. To determine the Interest Charges. we multiply each Balance Subject to Interest Rate by its applicable Daily Periodic Rate and that result is multiplied by the number of days in the billing cycle. To determine the total Interest Charge for the billing cycle, we add the Periodic Rate Interest Charges together. A Daily Periodic Rate is calculated by dividing an Amual Percentage Rate by 365. HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first (inducing transactions made after this statement). Payment amounts in excess of your Total Mirimum Payment Due will be applied to balances with higher APRs before balances with lower APRs. IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When using the optional Pay-by-Phone service, you authorize us to initiate an electronic payment from your account at the financial institution you designate. You must authorize the amount and timing of each payment For your protection, we will ask for security information. A fee may apply for expedited service. To cancel, call us before the scheduled payment date. Same-day payments cannot be edited or canceled. YOUR CREDIT LINES - The Total Credit Line is the amount of credit available for the account: however, only a portion of that is available for Bank Cash Advances The Cash Credit Line is that amount you have available for Bank Cash Advances. Generally. Bank Cash Advances consist of ATM Cash Advances. Over the Counter (OTC) Cash Advances, Same-Day Online Cash Advances. Overdraft Protection Cash Advances. Cash Equivalents and applicable transaction fees. MISCELLANEOUS - Promotional Rate End Date•. This date is based on a future statement closing date. If you change your payment due date, this date could change. The New Balance Total which appears on this statement is not a payoff amount and may be subject to additional interest charges when you pay in full after your statement closing date. Please contact the customer service number located on the front of this statement for a pay-off amount. Virtual cards are the digital form of your eligible physical credit cards stored within a digital wallet. 0 2019 Bank of America Corporation CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Average Daily Balance Method (including new Purchases): We calculate separate Balances Subject to an Interest Rate for Purchases and for each Introductory or Promotional Offer balance consisting of Purchases. We do this by: (1) calculating a daily balance for each day in the billing cycle: (2) adding all the daily balances together, and (3) dividing the sum of the daily balances by the number of days in the billing cycle. To calculate the daily balance for each day in this statement's billing cycle, we: (1) take the beginning balance: (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day's daily balance: (3) add new Purchases, new Account Fees, and new Transaction Fees: and (4) subtract applicable payments and credits. If any daily balance is less than zero we treat it as zero. Average Balance Method (inducing new Balance Transfers and new Cash Advances)•. We cakulate separate Balances Subject to an Interest Rate for Balance Transfers, Cash Advances, and for each Introductory or Promotional Offer balance consisting of Balance Transfers or Cash Advances. We do this by: (1) calculating a daily balance for each day in this statement's billing cycle: (2) calculating a daily balance for each day prior to this statement's billing cycle that had a 'Pre-Cycle balance' - a Pre-Cycle balance is a Balance Transfer or a Cash Advance with a transaction date prior to this statement's billing cycle but with a posting date within this statement's billing cycle: (3) adding all the daily balances together, and (4) dividing the sum of the daily balances by the number of days in this statement's billing cycle. To calculate the daily balance for each day in this statement's billing cycle, we: (I) take the beginning balance: (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day's daily balance: (3) add new Balance Transfers, new Cash Advances and Transaction Fees: and (4) subtract applicable payments and credits. If any daily balance is less than zero we treat it as zero. To calculate a daily balance for each day prior to this statement's billing cycle that had a Pre-Cycle balance: (1) we take the beginning balance attributable solely to Pre-Cycle balance (which will be zero on the transaction date of the first Pre-Cycle balance): (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day's daily balance: (3) and add only the applicable Pre-Cycle balances and their related Transaction Fees. We exclude from this calculation all transactions posted in previous billing cycles. For the complete terms and conditions of your account, consult your Credit Card Agreement. This account is issued and administered by Bank of America. Bank of America is a registered trademark of Bank of America Corporation. PAYMENTS - We credit mailed payments asof the date received, if the payment it (I I received by S p.m. local time at the address shown on the remittance portion of your monthly statement: (21 paid with a check drawn In U.S. dollars on a U.S. financial institudon or a U.S. dollar money order and (3) sent in the return envelope with only the remittance portion of your statement accompanying it. Payments received by mail after S p.m. local time at the remittance address on any day including the Payment Due Date, but that otherwise meet the above requirements will be credited as of the next day. Payments made onhie or by phone will be crectted as of the dated receipt if made by S p.m. Central. Credit for any other payments may be delayed up to five days Cash payments made with our tellers or ATM with Teller Assist (ATA) will only be accepted with a valid identification (ICA. No payment dull operate as an accord and satisfaction without the prior written approval of one of our Senior Officers We process most payment checks electronically by using the information found on your check. Each check authorizes us to create a one-tine electronic funds transfer (or process it as a check or paper draft'. Funds may be withdrawn from your account as soon as the same day we receive your payment. Checks we not returned to you. If you have authorized us to pay your credit card bill automatically from your savings or checking account with us, you can stop the payment on any amount you think iswrong. To stop payment. your letter must reach us at least three business days before the automatic payment is scheduled to occur. Change of Address/Phone number: Online at www.bankofamerica.com Please do not add any written communication in this space. AB EFTA00123582 I December 17 - January 16, 2019 Transactions Transaction Posting Date Date Description Reference Account Number Number Amount Total Fees 01/13 01/14 LATE FEE FOR PAYMENT DUE TOTAL FEES FOR THIS PERIOD 25.00 $25.00 Interest Charged 01/16 01/16 INTEREST CHARGED ON PURCHASES 988 01/16 01116 INTEREST CHARGED ON BALANCE TRANSFERS 0.00 01/16 01/16 INTEREST CHARGED ON DIR DEP&CFIK CASHADV 0.00 01/16 01/16 INTEREST CHARGED ON BANK CASH ADVANCES 0.00 TOTAL INTEREST CHARGED FOR THIS PERIOD Total fees charged in 2019 $25.00 Total interest charged in 2019 $9.38 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Promotional Promotional Promotional Balance Interest Balance Percentage Transaction Offer ID Rate End Subject to Charges by Rate Type Date Interest Transaction Rate Type Purchases 22.49%V S 517.22 S 9.86 Balance Transfers 22.49%V S 0.00 S 0.00 Direct Deposit and Check Cash 22.49%V S 0.00 S 0.00 Advances Bank Cash Advances 27.24%V S 0.00 S ODD APR Type Definitions Daily Interest Rate Type: V- Variable Rate (rate may vary) Important Messages You're a valued customer and we want you to know that we haven't received your current payment due. Please send your payment due today. If you've already mailed it. thank you. 59.88 Your statement balance exceeds the Total Credit Line. To ensure uninterrupted use of your account, please make a payment to bring your balance under the Total Credit Line. There is no fee for being over your Total Credit Line. Page 3 of 4 EFTA00123583 I December 17 - January 16. 2019 Happy New Year! All the best to you and yours in 2019 and beyond. Thank you for being a Bank of America' customer. SSIA-10 160264C IARO/L4CIC Additional Information Credit Basics: Need a hand with your 2019 budget? Kick off the new year with tools, videos and other resources to help you budget and reach your financial goals. Learn about it today at bettermoneyhabits.com. Need to dispute a transaction? For the fastest dispute resolution, please contact the merchant. If unsuccessful, simply file a dispute online www.bankofamerica.com. Select your credit card account, click the 'Information & Services' tab and then select the 'Dispute a transaction' link under the "Services" section. Page 4 of 4 EFTA00123584 BankAmerican:I' Account Summary Previous Balance $544.14 Payments and Other Credits -$255.03 Purchases and Adjustments $197.26 Fees Charged $0.00 Interest Charged $838 New Balance Total $494.78 Total Credit Line $500.00 Total Credit Available $5.22 Cash Credit Line $200.00 Portion of Credit Available for Cash $5.22 Statement Closing Date 02/16/2019 Days in Billing Cycle 31 Bank of America Payment Information New Balance Total Current Payment Due Customer Service Informa0on: www.bankofamerica.com 1.800.421.2110 Try: 1.800.346.3178 Mall billing Inquiries to: Bank of America P.O. Box 982234 El Paso TX 79998-2234 Mall payment to: Bank of America P.O. Box 15019 Wilmington DE 19886-5019 January 17 - February 16, 2019 $494.78 $25.00 Total Minimum Payment Due Payment Due Date $25.00 03/13/2019 Late Payment Warning: If we do not receive your Total Minimum Payment by the date listed above, you may have to pay a late fee of up to $38.00. Total Minimum Payment Warning: If you make only the Total Minimum Payment each period. you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional charges using this card and each month you pay You will payoff the balance shown on this statement in about And you will end up paying an estimated total of Only the Total Minimum Payment 2 years $611.00 f you would like information about credit counseling services, call 866.300.5238. BANK OF AMERICA P.O. BOX 15019 WILMINGTON DE 19886-5019 New Balance Total Total Minimum Payment Due Payment Due Date Enter payment amount $494.78 $25.00 03/13/2019 kr change of ederess/Ohorte number, see reverse seat Make )our payment online et www.benkolemerica.00m or Mail this coupon along with your check payable to: Bank of MAMMA EFTA00123585 I January 17 - February 16, 2019 One • COO •0CKs• 0 IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST - We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date. TOTAL INTEREST CHARGE COMPUTATION - Interest Charges acme and are compounded on a daily basis. To determine the Interest Charges. we multiply each Balance Subject to Interest Rate by its applicable Daily Periodic Rate and that result is multiplied by the number of days in the billing cycle. To determine the total Interest Charge for the billing cycle, we add the Periodic Rate Interest Charges together. A Daily Periodic Rate is calculated by dividing an Amual Percentage Rate by 365. HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first (inducing transactions made after this statement). Payment amounts in excess of your Total Mirimum Payment Due will be applied to balances with higher APRs before balances with lower APRs. IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When using the optional Pay-by-Phone service, you authorize us to initiate an electronic payment from your account at the financial institution you designate. You must authorize the amount and timing of each payment For your protection, we will ask for security information. A fee may apply for expedited service. To cancel, call us before the scheduled payment date. Same-day payments cannot be edited or canceled. YOUR CREDIT LINES - The Total Credit Line is the amount of credit available for the account: however, only a portion of that is available for Bank Cash Advances The Cash Credit Line is that amount you have available for Bank Cash Advances. Generally. Bank Cash Advances consist of ATM Cash Advances. Over the Counter (OTC) Cash Advances, Same-Day Online Cash Advances. Overdraft Protection Cash Advances. Cash Equivalents and applicable transaction fees. MISCELLANEOUS - Promotional Rate End Date•. This date is based on a future statement closing date. If you change your payment due date, this date could change. The New Balance Total which appears on this statement is not a payoff amount and may be subject to additional interest charges when you pay in full after your statement closing date. Please contact the customer service number located on the front of this statement for a pay-off amount. Virtual cards are the digital form of your eligible physical credit cards stored within a digital wallet. 0 2019 Bank of America Corporation CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Average Daily Balance Method (including new Purchases): We calculate separate Balances Subject to an Interest Rate for Purchases and for each Introductory or Promotional Offer balance consisting of Purchases. We do this by: (1) calculating a daily balance for each day in the billing cycle: (2) adding all the daily balances together, and (3) dividing the sum of the daily balances by the number of days in the billing cycle. To calculate the daily balance for each day in this statement's billing cycle, we: (1) take the beginning balance: (2) add an amount equal to the appEcable Daily Periodic Rate multiplied by the previous day's daily balance: (3) add new Purchases, new Account Fees, and new Transaction Fees: and (4) subtract applicable payments and credits. If any daily balance is less than zero we treat it as zero. Average Balance Method (Inducing new Balance Transfers and new Cash Advances)•. We cakulate separate Balances Subject to an Interest Rate for Balance Transfers, Cash Advances, and for each Introductory or Promotional Offer balance consisting of Balance Transfers or Cash Advances. We do this by: (1) calculating a daily balance for each day in this statement's billing cycle: (2) calculating a daily balance for each day prior to this statement's billing cycle that had a 'Pre-Cycle balance' - a Pre-Cycle balance is a Balance Transfer or a Cash Advance with a transaction date prior to this statement's bilfng cycle but with a posting date within this statement's billing cycle: (3) adding all the daily balances together, and (4) dividing the sum of the daily balances by the number of days in this statement's billing cycle. To calculate the daily balance for each day in this statement's billing cycle, we: (I) take the beginning balance: (2) add an amount equal to the appEcable Daily Periodic Rate multiplied by the previous day's daily balance: (3) add new Balance Transfers, new Cash Advances and Transaction Fees: and (4) subtract applicable payments and credits. If any daily balance is less than zero we treat it as zero. To calculate a daily balance for each day prior to this statement's billing cycle that had a Pre-Cycle balance: (1) we take the beginning balance attributable solely to Pre-Cycle balance (which will be zero on the transaction date of the first Pre-Cycle balance): (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day's daily balance: (3) and add only the applicable Pre-Cycle balances and their related Transaction Fees. We exclude from this calculation all transactions posted in previous billing cycles. For the complete terms and conditions of your account, consult your Credit Card Agreement. This account is issued and administered by Bank of America. Bank of America is a registered trademark of Bank of America Corporation. PAYMENTS - We credit mailed payments asof the date received, if the payment is: (I I received by S p.m. local time at the address shown on the remittance portion of your monthly statement: (21 paid with a check drawn In U.S. dollars on a U.S. financial institudon or a U.S. dollar money order; and (3) sent in the return envelope with only the remittance portion of your statement accompanying it. Payments received by mail after S p.m. local time at the remittance address on any day including the Payment Due Date, but that otherwise meet the above requirements will be credited as of the next day. Payments made onhie or by phone will be crectted as of the dated receipt if made by S p.m. Central. Credit for any other payments may be delayed up to five days Cash payments made with our tellers or ATM with Teller Assist (ATA) will only be accepted with a valid identification 1101. No payment shall operate as an accord and satisfaction without the prior written approval of one of our Senior Officers We process most payment checks electronically by using the information found on your check. Each check authorizes us to create a one-time electronic funds transfer (or process it as a check or paper draft'. Funds may be withdrawn from your account as soon as the same day we receive your payment. Checks we not returned to you. If you have authorized us to pay your credit card bill automatically from your savings or checking account with us, you can stop the payment on any amount you think iswrong. To stop payment. your letter must reach us at least three business days before the automatic payment is scheduled to occur. Change of Address/Phone number: Online at www.bankofamerica.com Please do not add any written communication in this space. AB EFTA00123586 I January 17 • February 16, 2019 Transactions Transaction Date Posting Date Description Reference Number Account Number Amount Total Payments and Other Credits 12/01 01/22 LATE FEE ERROR CORRECTION 1128 _25.Op 01/30 01/30 Online payment from CHK 1 2072 —230.00 TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD —$255.00 Purchases and Adjustments 02/03 02/04 DELIVERY.COM 8884341035 NY 1012 23.23 02/07 02/08 FOODTOWN BRONX NY 3037 46.60 02/10 02/11 USER TRIP 8005928996 CA 7531 63.22 02/12 02/13 DELIVERY.COM 8884341035 NY 6091 18.55 02/13 02/15 COLLAGECOM 8887971902 CA 2662 45.66 TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD $19726 Interest Charged 02/16 02/16 INTEREST CHARGED ON PURCHASES 8.38 02116 02/16 INTEREST CHARGED ON BALANCE TRANSFERS 0.00 02116 02/16 INTEREST CHARGED ON DIR DEP&CHK CASHADV 0.00 02116 02/16 INTEREST CHARGED ON BANK CASH ADVANCES 0.00 TOTAL INTEREST CHARGED FOR THIS PERIOD $838 Total fees charged in 2019 $0.00 Total interest charged in 2019 $13.26 Interest Charge Calculation ,.. r Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Promotional Promotional Promotional Balance Interest Balance Percentage Transaction Offer ID Rate End Subject to Charges by Rate Type Date Interest Transaction Rate Type Purchases 22.49%V 5 438.48 $ 8.38 Balance Transfers 22.49%V Direct Deposit and Check Cash 22.49%V 5 0.00 S 0.00 Advances Bank Cash Advances 27.24%V 5 0.00 $ 0.00 5 0.00 0.00 APR Type Definitions Daity Interest Rate Type: V- Variable Rate (rate may vary) Page 3o14 EFTA00123587 January 17 - February 16. 2019 Additional Information Credit Basics: Build your financial know-how with free tools and information to help you make more confident decisions. Begin today by visiting bettermoneyhabits.com. Need to dispute a transaction? For the fastest dispute resolution, please contact the merchant. If unsuccessful, simply file a dispute online www.bankofamerica.com. Select your credit card account, click the 'Information & Services' tab and then select the 'Dispute a transaction" link under the "Services" section. Page 4 of 4 EFTA00123588 BankAmericard Account Summary Previous Balance $494.78 Payments and Other Credits -$500.00 Purchases and Adjustments $485.63 Fees Charged $0.00 Interest Charged $421 New Balance Total $484.62 Total Credit Line $500.00 Total Credit Available $15.38 Cash Credit Line $200.00 Portion of Credit Available for Cash $15.38 Statement Closing Date 03/16/2019 Days in Billing Cycle 28 Bank of America e-d- 16 Payment Information New Balance Total Current Payment Due Customer Service Information: www.bankofamerica.com 1.800.421.2110 TTY: 1.800.346.3178 Mall billing inquiries to: Bank of America P.O. Box 982234 El Paso TX 79998-2234 Mall payment to: Bank of America P.O. Box 15019 Wilmington DE 19886-5019 February 17 - March 16. 2019 $484.62 $25.00 Total Minimum Payment Due Payment Due Date $25.00 04/13(2019 Late Payment Warning: If we do not receive your Total Minimum Payment by the date listed above, you may have to pay a late fee of up to $38.00. Total Minimum Payment Warning: If you make only the Total Minimum Payment each period. you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional charges using this card and each month you pay You will payoff the balance shown on this statement in about And you will end up paying an estimated total of Only the Total Minimum Payment 2 years $595.00 f you would like information about credit counseling services, call 866.300.5238. BANK OF AMERICA P.O. BOX 15019 WILMINGTON DE 19886-5019 Now Balance fowl Total Minimum Payment Due Payment Due Date Enter payment amount $484.62 $25.00 04/13/2019 fur change of *Mess/Ohme numb see reverse saki. Make Jan payment online et www.benkolemenca.00m or Mail this coupon along with your check payable to: Bank at MAMMA EFTA00123589 ebwary 17 - March 16, 2019 One . COO •0rKs• 0 IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST - We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date. TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and are compounded on a daily basis. To determine the Interest Charges. we multiply each Balance Subject to Interest Rate by its applicable Daily Periodic Rate and that result is multiplied by the number of days in the billing cycle. To determine the total Interest Charge for the billing cycle, we add the Periodic Rate Interest Charges together. A Daily Periodic Rate is calculated by dividing an Amual Percentage Rate by 365. HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first (inducing transactions made after this statement). Payment amounts in excess of your Total Mirimum Payment Due will be applied to balances with higher APRs before balances with lower APRs. IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When using the optional Pay-by-Phone service, you authorize us to initiate an electronic payment from your account at the financial institution you designate. You must authorize the amount and timing of each payment For your protection, we will ask for security information. A fee may apply for expedited service. To cancel, call us before the scheduled payment date. Same-day payments cannot be edited or canceled. YOUR CREDIT LINES - The Total Credit Line is the amount of credit available for the account: however, only a portion of that is available for Bank Cash Advances The Cash Credit Line is that amount you have available for Bank Cash Advances. Generally. Bank Cash Advances consist of ATM Cash Advances. Over the Counter (OTC) Cash Advances, Same-Day Online Cash Advances. Overdraft Protection Cash Advances. Cash Equivalents and applicable transaction fees. MISCELLANEOUS - Promotional Rate End Date•. This date is based on a future statement closing date. If you change your payment due date, this date could change. The New Balance Total which appears on this statement is not a payoff amount and may be subject to additional interest charges when you pay in full after your statement closing date. Please contact the customer service number located on the front of this statement for a pay-off amount. Virtual cards are the digital form of your eligible physical credit cards stored within a digital wallet. 0 2019 Bank of America Corporation CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Average Daily Balance Method (including new Purchases): We calculate separate Balances Subject to an Interest Rate for Purchases and for each Introductory or Promotional Offer balance consisting of Purchases. We do this by: (1) calculating a daily balance for each day in the billing cycle: (2) adding all the daily balances together, and (3) dividing the sum of the daily balances by the number of days in the billing cycle. To calculate the daily balance for each day in this statement's billing cycle, we: (1) take the beginning balance: (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day's daily balance: (3) add new Purchases, new Account Fees, and new Transaction Fees: and (4) subtract applicable payments and credits. If any daily balance is less than zero we treat it as zero. Average Balance Method (inducing new Balance Transfers and new Cash Advances)•. We cakulate separate Balances Subject to an Interest Rate for Balance Transfers, Cash Advances, and for each Introductory or Promotional Offer balance consisting of Balance Transfers or Cash Advances. We do this by: (1) calculating a daily balance for each day in this statement's billing cycle: (2) calculating a daily balance for each day prior to this statement's billing cycle that had a 'Pre-Cycle balance' - a Pre-Cycle balance is a Balance Transfer or a Cash Advance with a transaction date prior to this statement's billing cycle but with a posting date within this statement's billing cycle: (3) adding all the daily balances together, and (4) dividing the sum of the daily balances by the number of days in this statement's billing cycle. To calculate the daily balance for each day in this statement's billing cycle, we: (I) take the beginning balance: (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day's daily balance: (3) add new Balance Transfers, new Cash Advances and Transaction Fees: and (4) subtract applicable payments and credits. If any daily balance is less than zero we treat it as zero. To calculate a daily balance for each day prior to this statement's billing cycle that had a Pre-Cycle balance: (1) we take the beginning balance attributable solely to Pre-Cycle balance (which will be zero on the transaction date of the first Pre-Cycle balance): (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day's daily balance: (3) and add only the applicable Pre-Cycle balances and their related Transaction Fees. We exclude from this calculation all transactions posted in previous billing cycles. For the complete terms and conditions of your account, consult your Credit Card Agreement. This account is issued and administered by Bank of America. Bank of America is a registered trademark of Bank of America Corporation. PAYMENTS - We credit mailed payments asof the date received, if the payment is: (I I received by S p.m. local time at the address shown on the remittance portion of your monthly statement: (21 paid with a check drawn In U.S. dollars on a U.S. financial institudon or a U.S. dollar money order and (3) sent in the return envelope with only the remittance portion of your statement accompanying IL Payments received by mall after S p.m. local time at the remittance address on any day including the Payment Due Date, but that otherwise meet the above requirements will be credited as of the next day. Payments made onhie or by phone will be crectted as of the dated receipt if made by S p.m. Central. Credit for any other payments may be delayed up to five days Cash payments made with our tellers or ATM with Teller Assist (ATA) will only be accepted with a valid identification (ICA. No payment dull operate as an accord and satisfaction without the prior written approval of one of our Senior Officers We process most payment checks electronically by using the information found on your check. Each check authorizes us to create a one-time electronic funds transfer (or process it as a check or paper draft'. Funds may be withdrawn from your account as soon as the same day we receive your payment. Checks we not returned to you. If you have authorized us to pay your credit card bill automatically from your savings or checking account with us, you can stop the payment on any amount you think iswrong. To stop payment. your letter must reach us at least three business days before the automatic payment is scheduled to occur. Change of Address/Phone number: Online at www.bankofamerica.com Please do not add any written communication in this space. AB EFTA00123590 February 17 - March 16, 2019 Transactions Transaction Date Posting Date Description Reference Number Account Number Amount Total Payments and Other Credits 02126 02/26 Online payment from CHK 1 8077 —300.00 03/08 03109 Online payment from SAV 6 1046 —200.00 TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD —$500.00 Purchases and Adjustments 03/05 03/05 USER 8305928996 CA 0446 50.36 03/06 03/07 2430 COLUMBUS DISCOUNT BRONX NY 8873 50.05 03/07 03109 TOP CLEANERS BRONX NY 1360 19.85 03/08 03/09 SQUARE 'SQ *LEXA BAR Broroc NY 2492 52.91 03/11 03/11 USER 8005928996 CA 2187 57.84 03/12 03/12 MADISON BAGEL 8t GRILL NEW YORK NY 2243 24.82 03/11 03/13 GAP ONLINE 800-4277895 OH 8498 63.00 03/12 03/13 USER 8005928996 CA 8029 47.77 03/12 03/13 RITE AID STORE - 4202 NEW YORK NY 9868 10.00 03/13 03/13 USER 8005928996 CA 5811 7.36 03/13 03/14 USER 8305928996 CA 6691 48.90 03/14 03/15 FOODTOWN BRONX NY 3914 5/77 TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD $485.63 Interest Charged 03/16 03/16 INTEREST CHARGED ON PURCHASES 4.21 03/16 03/16 INTEREST CHARGED ON BALANCE TRANSFERS 0.00 03/16 03/16 INTEREST CHARGED ON DIR DEP&CHK CASHADV 0.00 03/16 03/16 INTEREST CHARGED ON BANK CASH ADVANCES 0.00 TOTAL INTEREST CHARGED FOR THIS PERIOD $4.27 Total fees charged In 2019 Total Interest charged In 2019 Interest Charge Calculation Annual Percentage Rate (APR) is the annual interest rate on your account. type of Annual Promotional Promotional Promotional Balance Interest Balance Percentage Transaction Offer ID Rate End Subject to Charges by Rate Type Date Interest Transaction Rate Type Purchases 22.49%V $ 244.07 $ 4.21 Balance Transfers 22.49%V Direct Deposit and Check Cash 22.49%V 0.00 0.00 Advances Bank Cash Advances 27.24%V 0.00 0.00 $ 0.00 0.00 APR Type Definitions Daily Interest Rate Type: V- Variable Rate (rate may vary) Page 3 of 4 EFTA00123591 Fetatuary 17 - March 16. 2019 Additional Information Credit Basics: Managing money can be complicated. Learning about it does not have to be. Begin today at betterrnoneyhabits.com. Need to dispute a transaction? For the fastest dispute resolution, please contact the merchant. If unsuccessful, simply file a dispute online viww.bankofamerica.com. Select your credit card account, click the *Information & Services" tab and then select the 'Dispute a transaction" link under the "Services" section. Page 4 of 4 EFTA00123592 BankAmericard' Account Summary Previous Balance $484.62 Payments and Other Credits $0.03 Purchases and Adjustments $15.63 Fees Charged $25.00 Interest Charged $9.66 New Balance Total $534.91 Total Credit Line $500.00 Total Credit Available $0.00 Cash Credit Line $200.00 Portion of Credit Available for Cash $0.00 Statement Closing Date 04/16/2019 Days in Billing Cycle 31 Bank of America SP- Payment Information New Balance Total Current Payment Due Past Due Amount Customer Service Information: www.bankofamerica.com 1.800.421.2110 TTY: 1.800.346.3178 Mall billing Inquiries to: Bank of America P.O. Box 982234 El Paso TX 79998-2234 Mall payment to: Bank of America P.O. Box 15019 Wilmington DE 19886-5019 1.11reh 17 - Anril 16 2019 $534.91 $39.00 $25.00 Total Minimum Payment Due Payment Due Date $64.00 05/13/2019 Late Payment Warning: If we do not receive your Total Minimum Payment by the date listed above, you may have to pay a late fee of up to $38.00. Total Minimum Payment Warning: If you make only the Total Minimum Payment each period. you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional charges using this card and each month you pay You will payoff the balance shown on this statement in about And you will end up paying an estimated total of Only the Total Minimum Payment 2 years $652.00 If you would like information about credit counseling services, call 866.300.5238. The following Is a summary of changes that we are making to your account terms. These changes will take effect on June 15, 2019. For more information on these changes, see the enclosed fmportont Information section containing amendments to your Credit Card Agreement. Revised Terms as of June 15, 2019 Late Payment Fee Up to $39 Returned Payment Fee Up to $28 Please see let page of your statement for the payment remittance coupon. W4.04:C.M.0 EFTA00123593 March 17 -April 16, 2019 IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST - We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date. TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and are compounded on a daily basis. To determine the Interest Charges. we multiply each Balance Subject to Interest Rate by its applicable Daily Periodic Rate and that result is multiplied by the number of days in the billing cycle. To determine the total Interest Charge for the billing cycle, we add the Periodic Rate Interest Charges together. A Daily Periodic Rate is calculated by dividing an Amual Percentage Rate by 365. HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first (inducing transactions made after this statement). Payment amounts in excess of your Total Mirimum Payment Due will be applied to balances with higher APRs before balances with lower APRs. IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When using the optional Pay-by-Phone service, you authorize us to initiate an electronic payment from your account at the financial institution you designate. You must authorize the amount and timing of each payment For your protection, we will ask for security information. A fee may apply for expedited service. To cancel, call us before the scheduled payment date. Same-day payments cannot be edited or canceled. YOUR CREDIT LINES - The Total Credit Line is the amount of credit available for the account: however, only a portion of that is available for Bank Cash Advances. The Cash Credit Line is that amount you have available for Bank Cash Advances. Generally. Bank Cash Advances consist of ATM Cash Advances. Over the Counter (OTC) Cash Advances, Same-Day Online Cash Advances. Overdraft Protection Cash Advances, Cash Equivalents and applicable transaction fees. MISCELLANEOUS - Promotional Rate End Date•. This date is based on a future statement closing date. If you change your payment due date, this date could change. The New Balance Total which appears on this statement is not a payoff amount and may be subject to additional interest charges when you pay in full after your statement closing date. Please contact the customer service number located on the front of this statement for a pay-off amount. Virtual cards are the digital form of your eligible physical credit cards stored within a digital wallet. O 2019 Bank of America Corporation CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Average Daily Balance Method (including new Purchases): We calculate separate Balances Subject to an Interest Rate for Purchases and for each Introductory or Promotional Offer balance consisting of Purchases. We do this by: (1) calculating a daily balance for each day in the billing cycle: (2) adding all the daily balances together, and (3) dividing the sum of the daily balances by the number of days in the billing cycle. To calculate the daily balance for each day in this statement's billing cycle, we: (1) take the beginning balance: (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day's daily balance: (3) add new Purchases, new Account Fees, and new Transaction Fees: and (4) subtract applicable payments and credits. If any daily balance is less than zero we treat it as zero. Average Balance Method (inducing new Balance Transfers and new Cash Advances)•. We cakulate separate Balances Subject to an Interest Rate for Balance Transfers, Cash Advances, and for each Introductory or Promotional Offer balance consisting of Balance Transfers or Cash Advances. We do this by: (1) calculating a daily balance for each day in this statement's billing cycle: (2) calculating a daily balance for each day prior to this statement's billing cycle that had a 'Pre-Cycle balance' - a Pre-Cycle balance is a Balance Transfer or a Cash Advance with a transaction date prior to this statement's billing cycle but with a posting date within this statement's billing cycle: (3) adding all the daily balances together, and (4) dividing the sum of the daily balances by the number of days in this statement's billing cycle. To calculate the daily balance for each day in this statement's billing cycle, we: (I) take the beginning balance: (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day's daily balance: (3) add new Balance Transfers, new Cash Advances and Transaction Fees: and (4) subtract applicable payments and credits. If any daily balance is less than zero we treat it as zero. To calculate a daily balance for each day prior to this statement's billing cycle that had a Pre-Cycle balance: (1) we take the beginning balance attributable solely to Pre-Cycle balance (which will be zero on the transaction date of the first Pre-Cycle balance): (2) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day's daily balance: (3) and add only the applicable Pre-Cycle balances and their related Transaction Fees. We exclude from this calculation all transactions posted in previous billing cycles. For the complete terms and conditions of your account, consult your Credit Card Agreement. This account is issued and administered by Bank of America. Bank of America is a registered trademark of Bank of America Corporation. EFTA00123594 I March 17 - April 16, 2019 Transactions Transaction Posting Reference Account Date Date Description Number Number Amount Total Purchases and Adjustments 03/22 03/22 USER 9305928996 CA 7966 03/22 03/23 USER 9305928996 CA 2240 TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD 7.95 7.68 $15.63 Fees 04113 04/15 LATE FEE FOR PAYMENT DUE TOTAL FEES FOR THIS PERIOD 25.00 $25.00 Interest Charged 04/16 04/16 INTEREST CHARGED ON PURCHASES 9.66 04/16 04/16 INTEREST CHARGED ON BALANCE TRANSFERS 0.00 04/16 04/16 INTEREST CHARGED ON DIR DEP&CHK CASHADV 0.00 04/16 04/16 INTEREST CHARGED ON BANK CASH ADVANCES 0.00 TOTAL INTEREST CHARGED FOR THIS PERIOD Total fees charged in 2019 $25.00 Total interest charged in 2019 $32.13 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Promotional Promotional Promotional Balance Interest Balance Percentage Transaction Offer ID Rate End Subject to Charges by Rate Type Date Interest Transaction Rate Type Purchases 22.49%V Balance Transfers 22.49%V Direct Deposit and Check Cash 22.49%V Advances Bank Cash Advances 27.24%V 0.00 $ 0.00 $ 505.56 $ 9.66 0.00 $ 0.03 0.00 $ 0.00 APR Type Definitions Daily Interest Rate Type: V- Variable Rate (rate may vary) Important Messages You're a valued customer and we want you to know that we haven't received your current payment due. Please send your payment due today. If you've already mailed it. thank you. $9.66 Your statement balance exceeds the Total Credit Line. To ensure uninterrupted use of your account, please make a payment to bring your balance under the Total Credit Line. There is no fee for being over your Total Credit Line. We have some tips to help you avoid paying late fees. Visit Online Banking or download the Mobile Banking app available for select devices. Message and data rates may apply. Page 3 of 10 EFTA00123595 March 17 • April 16, 2019 Additional Information Together. we can identify and resolve fraud events faster. Visit the Security Center at bankofamerica.com/Privacy to learn more about how you can help protect your privacy and safeguard your accounts. Credit Basics: The more informed people are about their money, the clearer their financial outlook. Begin today by visiting bettermoneyhabits.com. Need to dispute a transaction? For the fastest dispute resolution, please contact the merchant. If unsuccessful, simply file a dispute online www.bankofamerica.com. Select your credit card account, click the *Information & Services" tab and then select the 'Dispute a transaction' link under the 'Services' section. Page 4 of 10 EFTA00123596 I March 17• April 16, 2019 Important Information Please read the information below to stay informed about changes or other important details that may impact you. Please review the enclosed annual Privacy Notice insert, which is also available in Mobile and Online Banking. We are changing some terms of your Credit Card Agreement The amendment to your Credit Card Agreement is outlined below. All other terms to your current agreement still apply except as listed below. If there is a conflict, the terms in this amendment are in effect. Please keep this document. We are making these amendments because of a change in our business practices. Changes to your credit card fees This amendment modifies the Late Fee and Returned Payment Fee entries in the section titled Account Fees. Below are the updated paragraphs. The Late Payment and Returned Payment rows in the Account Summary Table of your Credit Card Agreement are also revised with the new dollar amounts. These changes are effective June 15, 2019. A Late Fee of $28.00 will be assessed if the Total Minimum Payment Due shown on your monthly statement is not received by us on or before its Payment Due Date. If a Late Fee was assessed any time in the prior six billing cycles, then the amount of the Late Fee will be $39.00. The Late Fee will not exceed the Total Minimum Payment Due immediately prior to assessment of the fee. If your balance is $100 or less on the Payment Due Date, we will not assess a Late Fee. A Returned Payment Fee of $28.00 will be assessed if a payment on your account is returned for insufficient funds or for any other reason, even if it is paid upon subsequent presentment (if we elect to re-present the payment). The Returned Payment Fee will not exceed the Total Minimum Payment Due immediately prior to assessment of the fee, and will never exceed the amount of the payment being returned. Additional changes We have added a sentence to the end of the section titled How We Allocate Your Payments to clarify how returned payments may be handled. Below is the updated section. HOW WE ALLOCATE YOUR PAYMENTS Payments are allocated to posted balances. If your account has balances with different APRs. we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first. Payment amounts In excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs. If a payment Is returned, we reserve the right to debit the returned payment amount to the balance subject to the current non-promotional rate for Purchases on the account. The section titled Overdraft Protection has been revised to clarify when Overdraft Protection fees are assessed if you are enrolled in Overdraft Protection. Below is the updated sentence within that section. We will not assess an Overdraft Protection Cash Advance fee for any overdraft protection transfer from this account to a linked Bank of America deposit account, if we determine that (a) your deposit account Is overdrawn by a total amount less than $12.00. after we finish processing for the day, or (b) each overdraft transaction processed that day is $1.00 or less. Page 5 of 10 EFTA00123597 March 17 - April 16, 2019 What else you need to know Travel Accident Insurance Effective October 1st. 2019. we will no longer offer Common Carrier Travel Accident Insurance on your credit card. You will be able to continue to file claims after October 1st. 2019 for occurrences prior to that date, subject to the terms and conditions of coverage. EQUAL CREDIT OPPORTUNITY ACT NOTICE The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter Into a binding contract): because all or part of the applicant's income derives from any public assistance program; or because the applicant has In good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning Bank of America. N.A.. 100 N. Tryon Street. Charlotte, NC 28255, is the Bureau of Consumer Financial Protection. 1700 G Street NW. Washington, DC 20006. YOUR BILLING RIGHTS Keep This Document