EFTA00123619.pdf

Bank of America CASH REWARDS VkfIcIMaltercard, Account Summary Previous Balance $0.03 Payments and Other Credits $0.03 Purchases and Adjustments $753.64 Fees Charged $22.60 Interest Charged $0.00 New Balance Total $776.24 Total Credit Line $5,503.03 Total Credit Available $4.723.76 Cash Credit Line $1.100.00 Portion of Credit Available for Cash $1,100.00 Statement Closing Date 08/14(2019 Days in Billing Cycle 31 BANK OF AMERICA P.O. BOX 15019 WILMINGTON DE 19886-5019 Payment Information New Balance Total $776.24 Current Payment Due $25.00 Total Minimum Payment Due $25.00 Payment Due Date 09/11/2019 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 and your APRs may be increased up to the Penalty APR of 29.9996. 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 4 years $1,139.00 Minimum Payment $30.00 36 months $1,080.00 (Savings a $59.00) f you would like information about credit counseling services, call 866.300.5238. New Balance Total Total Minimum Payment Due Payment Due Date Enter payment amount $ $776.24 $25.00 09/11/2019 kr change of *flees/Ohme number, see reverse sal. Make wur payment online et www.benkolemenca.00m or Mail this coupon along with you: check payable to: Bank of MAMMA EFTA00123619 One • COO •OOKs• 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 acct.* 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 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 instiwdon 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 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 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-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 EFTA00123620 I July 15 - August 14. 2019 Transactions Transaction Posting Reference Account Date Date Description Number Number Amount Total Purchases and Adjustments 08/10 08112 .'•14696460773 bay e-b Birmingham GBR 5463 TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD 753.64 $753.M Fees 08/10 08/12 FOREIGN TRANSACTION FEE 5463 22.60 TOTAL FEES FOR THIS PERIOD $22.60 Interest Charged 08/14 08/14 INTEREST CHARGED ON PURCHASES 0.00 08/14 08/14 INTEREST CHARGED ON BALANCE TRANSFERS 0.00 08/14 08/14 INTEREST CHARGED ON DIR DEP&CHK CASHADV 0.00 08/14 08/14 INTEREST CHARGED ON BANK CASH ADVANCES 0.00 TOTAL INTEREST CHARGED FOR THIS PERIOD Total fees charged in 2019 $22.60 Total interest charged in 2019 $0.00 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 5 0.00 S 0.00 Balance Transfers 22.49%V 5 0.00 5 0.00 Direct Deposit and Check Cash 22.49%V 5 0.00 S 0.00 Advances Bank Cash Advances 27.24%V 0.00 0.00 APR Type Definitions Daily Interest Rate Type: V- Variable Rate (rate may vary) Important Messages Congratulations! Your Total Credit Limit has been Increased to $5.500.00. Congratulations! Your Cash Credit Line has been Increased to $1.100.00. $0.00 Pap 3 of4 EFTA00123621 I July 15 - August 14. 2019 Your Reward Summary 7.54 Base Cash Back Earned 3.77 Relationship Bonus Earned 11.31 Total Cash Back Available Make the most of your rewards program today! COUNTRY MUSIC A FILM BY KEN BURNS ()PBS. THE POWER TO tell America's story through music We're proud to support Country Music — a new Ken Bums film that explores this uniquely American art form. Tune in or stream on PBS. starting Sunday. September 15 at 8/7 Central. Learn more at bankofamerIca.com/CountryMuslc tSUNTRY MUSIC arna•Y •c•• spar•••• 5540414016181 M046TORN Page 4 o(4 EFTA00123622