EFTA00123623.pdf

Bank of America 4), CASH REWARDS nu Swab a s Account Summary Previous Balance $675.29 Payments and Other Credits -$250.00 Purchases and Adjustments $42.59 Fees Charged $0.00 Interest Charged $6.75 New Balance Total $474.63 Total Credit Line $13.000.00 Total Credit Available $12,525.37 Cash Credit Line $3,900.00 Portion of Credit Available for Cash $3.900.00 Statement Closing Date 01/05(2019 Days in Billing Cycle 31 Bank of America ea ■ 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 December 6 - January 5. 2019 $474.63 $25.00 Total Minimum Payment Due Payment Due Date $25.00 02/02(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 Minimum Payment 23 months $550.00 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 $474.63 $25.00 02/02/2019 For change of aQAes4/ehone number, tan re✓ene slat Make )wr pennant one et wivw.bankolamotre.00m or Mail this coupon along with your check payable to: Bank of MAMMA EFTA00123623 I December 6 -January 5. 2019 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 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 clviding 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 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 credited 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 sane 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 EFTA00123624 I December 6 - January 5.2019 Transactions Transaction Posting Reference Account Date Date Description Number Number Amount Total Payments and Other Credits 12106 12/07 Online payment from CHI< 2 4891 TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD —250.00 —$250.00 Purchases and Adjustments 12/04 12/06 MASTER WOK BROOKLYN NY 6343 10.71 12/08 12/08 MADISON BAGEL & GRILL NEW YORK NY 1412 10.89 12/19 12/20 MEDLY PHARMACY BROOKLYN NY 9316 20.00 12/30 12/31 Spotify USA NY 4942 0.99 TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD $42.59 Interest Charged 01/05 01/05 INTEREST CHARGED ON PURCHASES 6.75 01/05 01/05 INTEREST CHARGED ON BALANCE TRANSFERS DOO 01/05 01/05 INTEREST CHARGED ON DIR DEP&CHK CASHADV 0.00 01/05 01/05 INTEREST CHARGED ON BANK CASH ADVANCES 0.00 TOTAL INTEREST CHARGED FOR THIS PERIOD 1x1MMIC 22;19 Totals Year- Total fees charged in 2019 $0.00 Total interest charged in 2019 $6.75 Interest Charge Calculation Your Annual Percentage Rate (APR) is El* 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 17.24%V S 461.24 S 635 Balance Transfers 17.24%V S 0.00 S 0.00 Direct Deposit and Check Cash 20.24%V S 0.00 5 0.00 Advances Bank Cash Advances 27.24%V S 0.00 $ 0.00 APR Type Definitions Daily Interest Rate Type: V- Variable Rate (rate may vary) Important Messages $6.75 Important changes to your Cash Rewards credit card: Beginning the week of January 14. you'll be able to maximize your cash back by choosing the 3% category that works best for you. Please see the Important Information page of your statement for more information. Page3e18 EFTA00123625 I December 6 • January 5.2019 Your Reward Summary 43 BASE EARNED THIS MONTH 16.72 TOTAL AVAILABLE VISIT BANKOFAMERICA.COM Make the most of your rewards program today! Eat. Shop. Skate. Save. Use your Bank of America' debit or credit card and get 10% off at the snackbar and on skate rentals. Learn more about Winter Village at wintervillage.org. Barka Andra Winter Village at Bryant Park' S.4.103-180)17C I M4NIFIS Additional Information 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 cf 8 EFTA00123626 Your Cash Rewards card is getting more rewarding. Beginning the week of January 14 (Footnote 1), you will be able to choose the category where you want to earn 3% cash back (Footnote 2) in the Mobile Banking app (Footnote 3) or Online Banking. You will also have more flexible redemption options. Best of all, you do not need to do anything right now, all of these enhancements will be automatic! • 3% Cash back on purchases in the category of your choice: • Gas • Online Shopping • Dining • Travel • Drug Stores • Home Improvement and Furnishings Each calendar month, as you plan for future purchases, you can change your 3% choice category online. If you do not make a change, the choice category will remain the same. At first, the choice category will be set to gas purchases. • 2% Cash back at grocery stores and wholesale clubs • 1% Unlimited cash back on all other purchases Earn 3% and 2% cash back on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. Flexible redemption options to help meet your needs You will be able to redeem your cash rewards for any amount, anytime for statement credits and deposits made directly into an eligible Bank of America® or Merrill Lynch® account You can also save for college by redeeming as little as 525 as a contribution into a qualifying 529 account with Merrill Lynch®. Either way, you are in control of how you redeem your rewards (Footnote 2). Your relationship is rewarded sooner on every purchase As a Preferred Rewards Platinum Honors client, you will continue to get a 75% rewards bonus (Footnote 4). Your rewards bonus will now be awarded when you make your purchase, and does not depend on how or when you redeem your cash back rewards. Any cash rewards that you have not redeemed at the time of this change will be automatically increased by 75% as a one-time adjustment in January (Footnote 5). That means if you have $1O0 cash rewards with a 75% rewards bonus, we will increase your cash rewards by $75. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value What is staying the same • Your account number and credit limit • Your rates and fees • You can continue to use your existing card • You will keep any rewards you have already earned • If your account is set up for automatic redemptions, they will remain unchanged and the minimum amount for automatic redemptions will continue to be $25. When it comes to your Cash Rewards, you now have freedom of choice! Page 5 oF EFTA00123627 Footnotes are spelled out so the text can be translated by vision disability screen reader programs. (Footnote 1). It may take up to 7 to 10 business days for you to be enrolled in the new program. (Footnote 2). Bank of America* Cash Rewards Program Information. How You Earn Cash Rewards: Earn cash rewards when you use your card to make purchases. minus returns, credits and adjustments (Net Purchases"). The following transactions are not considered Net Purchases and will not earn cash rewards: Balance Transfers and Cash Advances (each as defined in your Credit Card Agreement), fees. interest charges, fraudulent transactions and certain other charges. 1% Base Cash Rewards: Earn 1% cash back (equal to $0.01) for every $1 of Net Purchases charged to the card each billing cycle. 2% Bonus Category: Earn a total of 2% cash back (equal to $0.02, consisting of 1% bonus cash rewards and 1% base cash rewards) for every $1 of Net Purchases made at eligible grocery store merchants and wholesale clubs, which include supermarkets, freezer/meat lockers, candy, nut or confection stores, dairy product stores, and bakeries. Excluded from this Bonus Category are superstores and smaller stores (like drug stores and convenience stores) that sell groceries and other products. 3% Bonus Category: Earn a total of 3% cash back (equal to $0.03. consisting of 2% bonus cash rewards and 1% base cash rewards) for every $1 of Net Purchases made at eligible merchants in the one Choice Category you have selected. Eligible merchants would include merchants whose primary line of business falls under the following Choice Categories: Gas (default). Online Shopping. Dining, Travel, Drug Stores, or Home Improvement/Furnishings. The Choice Category will be set to Gas. A new Choice Category selection can be made once per calendar month; however, if no change is made, the category will remain the same. Bonus Category Cap: Grocery store. Wholesale club and Choice Category purchases earn bonus cash rewards on the first $2300 of combined Net Purchases made each calendar quarter. Once the $2,500 quarterly limit is reached, you will earn base cash rewards of 1% for those purchases. Bonus Category Processing: Merchants are assigned a merchant category code (MCC) based on the merchant's primary line of business. We do not determine which MCC a merchant chooses to classify itself. Your purchase may not qualify to receive the bonus earn rate if the merchant does not process transactions under the MCC that corresponds with the Bonus Category, or your purchase is processed through a third-party payment account, mobile/wireless card reader, digital wallet not supported by Bank of America or similar technology where the technology does not support transmission of MCCs. For those Net Purchases, you will eam base cash rewards of 1%. Not all merchants accept all credit cards. Rewards Redemption: Redemptions for an electronic deposit into a Bank of America checking or savings account, Into a qualifying Cash Management Account' with Merrill Lynch Wealth Management' or Merrill Edge', or for a statement credit do not have a minimum redemption amount. One-time redemptions for a contribution to a qualifying College Savings 529 account, redemptions for a check or automatic redemptions for an electronic deposit into a Bank of America checking or savings account or into a qualifying Cash Management Account' with Merrill Lynch Wealth Management* or Merrill Edge* have a $25 minimum redemption amount. Cash rewards shall be issued for a U.S. dollar sum and may be requested on demand, or by registering for automatic redemption. Rewards Expiration: As long as your account remains in good standing, cash rewards do not expire. Rewards Forfeiture: If the owner(s) of the card account voluntarily closes the card account, or if for any reason we close the card account. any unredeemed cash rewards associated with the account are subject to immediate forfeiture. unless specifically authorized by us. Rewards Program Rules: Other significant terms apply. Program subject to change. (Footnote 3). Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply. (Footnote 4). Preferred Rewards Program. You are eligible to enroll in the Preferred Rewards program if you have an active, eligible Bank of America' personal checking or Advantage Banking account and maintain a three-month average combined balance In your qualifying Bank of America deposit accounts and/or your qualifying Merrill Edge* and Merrill Lynch* investment accounts of at least $20,000 for the Gold tier. $50,000 for the Platinum tier, or $100,000 for the Platinum Honors tier. Visit bankofamerica.com/preferred-rewards for additional program details. Credit Card Preferred Rewards Bonus as of October 31, 2018. Enrolled clients with Bank of America* Cash Rewards credit cards can receive a Preferred Rewards bonus of 25% for the Gold tier. 50% for the Platinum tier. or 75% for the Platinum Honors tier on each purchase. The Preferred Rewards bonus will be applied after all base and bonus cash rewards have been calculated on a purchase. For example, a $50 purchase that eams 3% ($1.50) will actually eam $1.88, $2.25 or $2.63 based on your tier when the purchase posts to your account. If your product receives the 10% customer bonus, the Preferred Rewards bonus will replace the 10% customer bonus. Other terms and conditions apply. Additional details about the Preferred Rewards bonus are available in your card's Program Rules, which are mailed upon account opening and are accessible through the rewards redemption site via Online Banking or by calling the number on the back of your card (Footnote 5). It may take up to two billing cycles for the reward one-time adjustment to appear on your Cash Rewards program. The one-time adjustment amount is determined on your relationship level at the time of adjustment. This credit card program is issued and administered by Bank of America, NA Deposit products and services are provided by Bank of America. NA, and affiliated banks. Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Life/Better Connected, Merrill Lynch. Cash Management Account. Merrill Lynch Wealth Management. Merrill Edge, Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation. Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered broker-dealer and Member SIPC, and other subsidiaries of Bank of America Corporation. Bank of America. N.A. Member FDIC 02018 Bank of America Corporation. SSM-08-18-O555.C1 I ARX)KW6B Page 6 of 8 EFTA00123628 1039 Depose or c.v.h by 03.411.20 133f To The 0ar O' Or, To Inc Of ck- Date Offer ID KVOO•I1100 VOID $[ 62.16 311 Fct Bank of America to Dollx: VOID 1040 D•poot or c.v.h by 03.411.20 It Date Offer ID KV0042100 62.16 311 $L 1 Ice BankofAmerica"">,' Save on Interest You have a low promotional rate on your credit card to: • Save money when you transfer higher rate balances • Consolidate your bills and pay them off faster • Get fast access to cash for larger planned or unplanned expenses, like home improvements or car repairs Visit bankofamerica.com/bt or call 1.888.515.3308 to transfer non-Bank of America balances or to deposit cash from your card into your checking account. Use these checks to pay other individuals.0 This offer does not apply to card purchases. APR for Check Cash Advances Promotional Offer ID KV00-22100 0% Promotional APR through your statement Closing Date in December 2019. When this Promotional APR ends, the APR for these promotional balances will increase to a Check Cash Advance rate of 20.24%. This APR will vary with the market based on the U.S. Prime Rate. Use by Date Checks must be deposited or cashed by March 8, 2019 for the promotional rate to apply. Any of these checks used after that date will be declined. Fee 3% of the amount of each transaction (min. $10). Paying Interest We will begin charging interest on these checks on the transaction date. Your account was selected for the following promotional offer based on your account status as of January 2, 2019.§ Promotional Otter ID KV00-22100: The Promotional Annual Percentage Rate (Promotional APR) is 0%(.000000% Daily Periodic Rate ("DPR")). This promotional offer applies to Balance Transfers, Direct Deposit Cash Advances and Check Cash Advances bearing this Offer ID (each an "eligible transaction-). Card purchases are not eligible for this offer. This offer applies to eligible transactions posting to your account beginning January 9, 2019 through March 8, 2019. This Promotional APR ends on your statement Closing Date in December 2019. When this Promotional APR ends, the APR for Balance Transfer promotional balances will increase to a rate that varies with the market based on the U.S. Prime Rate; as of December 31, 2018, this APR is 17.24%. When this Promotbnal APR ends, the APR for Direct Deposit and Check Cash Advance promotional balances will increase to a rate that varies with the market based on the U.S. Prime Rate; as of December 31, 2018, this APR is 20.24%. Use of an attached check or draft will constitute a charge against your credit account. The transaction date for each Check Cash Advance is the date you or the person to whom the check is made payable first deposits or castles the check. The transaction fee for Balance Transfers, Direct Deposit Cash Advances and Check Cash Advances is 3% of the U.S. dollar amount of each transaction (min. $10). Minimum Interest Charge 51.50. If you take advantage of this promotional offer, you will be charged interest on purchases made with your credit card. For example, if you transfer $2,000 with this offer and carry this balance, and then use this credit card to make a $500 purchase, your $500 purchase will be charged interest. 05 See Disclosures on Reverse side. EFTA00123629 §A pcomobonal Annual Percentage Rate (APR) offer may be assigned and applied to your account at various times within a given Wag cycle. II you are selected kr a promotional offer, the sdection wi be based on your account status as of that date Promotional Offers From time to time. we may make Promotional Offers on certan Balance Transfers, Cash Advances and Purchases. Promotional Offers may include limited-time introductory or promotional APRs that are lower than the non-promobonal APRs for those features and may be subject to other condians Promobonal Oilers may indude lmted.bme transact= fees, which may be beer than the standard fees provided in your Credit Cad Agreement Your acecua must be open with active chargng privileges at the tine a transachem* processed and you must have sufficient available credit to cover the amount of the transaction and any related lees There s no grace penod for Cash Advances Interest accrues from the transacbon date The transaction date for each Check Cash Advance is the date you a the person to wham the check is made payable first deposits or cashes the check The Average Balance Method (including new Cash Advances) as described ri your Credit Card Agreement (and cm your penodc statement) is used to compute your balance sutiect to interest rate for Cash Advances and Promobonal Offer balances coreasbng of Cash Advances : You may not use this account to make a payment on this or any other credit account or loan Issued by Bank of America, NA. or its affiliates. Use of these checks as repayment will result In a Returned Payment Fee as described in your Agreement. Non-promotional APRs we subtecl to change in accordance with the terms of your Agreement as may be amended (mdudng APR amendments. t any, accompanyng this bllrcg statement) These changes may increase your nun-promotional APRs Cash Advances are subrect to authorization by Bank of America, NA 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. RESERVED FOR FINANCIAL INSTITUTION USE' DO NOT WRITE. STAMP OR SIGN BELOW THIS LINE DO NOT WRITE. STAMP OR SIGN BE LOW THIS LINE Answers to some questions you may have Q. Is there a fee to take advantage of an offer? A. Yes, a transaction fee typically applies (check your offer details). But note that you could still save money on interest with a low rate, even after the fee. If you have questions regarding how much you could save, give us a call. Q. If I use a promotional offer, how will my payments be applied? A. Your card comes with different rates for purchases, balance transfers, direct deposits and checks. Your minimum payment amount will be applied to the lowest rate balance. If you pay more than the minimum, the additional amount will be applied to your higher rate balances. Q. What happens if I still have a balance when my promotional rate ends? A. When the promotional period ends, any remaining balances will be charged the appropriate rate for the type of transaction. Please note, if you use a check to transfer a balance, you might pay a higher rate on any remaining balance after the promotional period ends. Check your statement for current rates. Q. After I transfer a balance, do I need to continue to make payments to my other lender? A. Yes, because transfer times vary. To avoid any fees or other charges, you should continue to make at least the minimum monthly payment until you see the transfer amount credited to your other account. Q. Can I use the available credit on my card to transfer cash to my checking account? A. Yes. The direct deposit feature lets you get cash from your card. Simply go online or call us. Q. Are the enclosed checks protected against fraud? A. Yes. You're not responsible for fraudulent use of these checks. This credit card program is issued and administered by Bank of America, N.A. American Express is a federally registered service mark of American Express, and is used by the issuer pursuant to a license. Mastercard and World Mastercard are registered trademarks of Mastercard International Incorporated and are used by the issuer pursuant to license. Visa and Visa Signature are registered trademarks of Visa International Service Association, and are used by the issuer pursuant to license from Visa U.S.A., Inc. ©2018 Bank of America Corporation INS-06-18-0422.A EFTA00123630 Bank of America -40' CASH REWARDS Account Summary Previous Balance $474.63 Payments and Other Credits —$100.00 Purchases and Adjustments $251.88 Fees Charged $0.00 Interest Charged $8.07 New Balance Total $634.58 Total Credit Line $13000.00 Total Credit Available $12,365.42 Cash Credit Line $3,900.00 Portion of Credit Available for Cash $3,900.00 Statement Closing Date 02/05/2019 Days in Billing Cycle 31 Bank of America r Payment Information New Balance Total Current Payment Due Customer Service Information: www.bankofamerica.com 1.000.421.2110 TTY: 1.000.346.3178 Mail billing inquiries to: Bank of America P.O. Box 982234 El Paso TX 79998-2234 Mail payment to: Bank of America P.O. Box 15019 Wilmington DE 19886-5019 January 6 - Febnialy 5, 2019 $634.58 $25.00 Total Minimum Payment Due Payment Due Date $25.00 03/02/2019 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 Minimum Payment 3 years $732.00 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 $634.58 $25.00 03/02/2019 kr change of eness/Ohorte number, see reverse sloe. Make per payment online et www.bankolamenea.00m or Mail this coupon along with your check payable to: Bank at MAMMA EFTA00123631 I January 6 - February 5.2019 OD4 • COO • 00D• 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. 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. PAYMENTS - We credit mailed payments asof the date received, if the payment is: (1 1 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 credited 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 (ATM will only be accepted with a valid Identification 1101. No payment shag operate as an accord and satisfaction without the prior written approval of one of our Senior Off lag. 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 EFTA00123632 I January 6 - February 5.2019 Transactions Transaction Date Posting Date Description Reference Number Account Number Amount Total Payments and Other Credits 01/17 01/18 Online payment from CHK 2 6799 —100.00 TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD —S100.00 Purchases and Adjustments 01/09 01/10 RITE AID STORE - 3978 BROOKLYN NY 0810 7.63 01/12 01/14 GNC 02545 BROOKLYN NY 8685 110.89 01/15 01/16 RITE AID STORE - 10585 BROOKLYN NY 3918 5.83 01/17 01/19 VETERANS CANTEEN '527 BROOKLYN NY 2824 2.75 01/17 01/19 PEOPLES 99 CENTS DISCOUNTBROOKLYN NY 2327 5.00 01/18 01/19 RITE AID STORE - 3978 BROOKLYN NY 8610 10.00 01/19 01/21 RITE AID STORE - 3855 BROOKLYN NY 4118 21.76 01/21 01/22 RITE AID STORE - 3855 BROOKLYN NY 4446 4.39 01/30 01/31 NYCDOT PARKING METERS LONG IS CITY NY 0264 0.50 02/02 02/04 CHLOES RESTAURANT LOUNGE BROOKLYN NY 0240 49.72 02/02 02/04 CHLOES RESTAURANT LOUNGE BROOKLYN NY 0257 33.41 TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD $251.88 Interest Charged 02/05 02/05 INTEREST CHARGED ON PURCHASES 8.07 02/05 02/05 INTEREST CHARGED ON BALANCE TRANSFERS 0.00 02/05 02/05 INTEREST CHARGED ON DIR DEP&CHK CASHADV 0.00 02/05 02/05 INTEREST CHARGED ON BANK CASH ADVANCES 0.00 TOTAL INTEREST CHARGED FOR THIS PERIOD $8.07 Total fees charged in 2019 $ao° Total interest charged in 2019 $14.02 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 17.24%V Balance Transfers 17.24%V Direct Deposit and Check Cash 20.24%V 0.00 0.00 Advances Bank Cash Advances 27.24%V 0.00 0.00 $ 551.21 8.07 0.00 0.00 APR Type Definitions Daily Interest Rate Type: V- Variable Rate (rate may vary) Pap3d8 EFTA00123633 I January 6 • February 5, 2019 Your Reward Summary 2.53 Base Cash Back Earned 15.29 Relationship Bonus Earned 1.11 Other Bonus Earned 35.65 Total Cash Back Available Make the most of your rewards program today! Additional Information 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 ci 8 EFTA00123634 This page intentionally left blank Pagei o' EFTA00123635 This page intentionally left blank Page 6 o' EFTA00123636 1041 ar ca-J. D, 0443/2019 Pa, to r'n 0* -O' (Wel ID AV0.C1J9M VOI D 311 Dams Bank of America Pa, to r'n 0* -O' Depose or ext. by04161RM Date Offer ID ItVO3. 23914 VOID 62.16 311 Dollars Bank of America 1/ 0" 1.4• 6..e.•yy OdasSue rM• Save on Interest You have a low promotional rate on your credit card to: • Save money when you transfer higher rate balances • Consolidate your bills and pay them off faster • Get fast access to cash for larger planned or unplanned expenses, like home improvements or car repairs Visit bankofamerica.com/bt or call 1.888.515.3308 to transfer non-Bank of America balances or to deposit cash from your card into your checking account. Use these checks to pay other Individuals.° This offer does not apply to card purchases. Interest and Fee Information APR for Check Cash Advances Promotional Offer ID KV03-23974 0% Promotional APR through your statement Closing Date in January 2020. When this Promotional APR ends, the APR for these promotional balances will increase to a Check Cash Advance rate of 20.24%. This APR will vary with the market based on the U.S. Prime Rate. Use by Date Checks must be deposited or cashed by April 8, 2019 for the promotional rate to apply. Any of these checks used after that date will be declined. Fee 3% of the amount of each transaction (min. $10). Paying Interest We will begin charging interest on these checks on the transaction date. Your account was selected for the following promotional offer based on your account status as of February 1, 2019.§ Promotional Offer ID KV03-23974: The Promotional Annual Percentage Rate (Promotional APR) is 0%(.000000% Daily Periodic Rate ("DPR")). This promotional offer applies to Balance Transfers, Direct Deposit Cash Advances and Check Cash Advances bearing this Offer ID (each an "eligible transaction"). Card purchases are not eligible for this offer. This offer applies to eligible transactions posting to your account beginning February 8, 2019 through April 8, 2019. This Promotional APR ends on your statement Closing Date in January 2020. When this Promotional APR ends, the APR for Balance Transfer promotional balances will increase to a rate that varies with the market based on the U.S. Prime Rate, as of January 31, 2019, this APR is 17.24%. When this Promotional APR ends, the APR for Direct Deposit and Check Cash Advance promotional balances will increase to a rate that varies with the market based on the U.S. Prime Rate; as of January 31, 2019, this APR is 20.24%. Use of an attached check or draft wit constitute a charge against your credit account. The transaction date for each Check Cash Advance is the date you or the person to whom the check is made payable first deposits or cashes the check. The transaction fee for Balance Transfers, Direct Deposit Cash Advances and Check Cash Advances is 3% of the U.S. dollar amount of each transaction (min. 310). Minimum Interest Charge 51.50. If you take advantage of this promotional offer, you will be charged interest on purchases made with your credit card. For example, if you transfer $2,000 with this offer and carry this balance, and then use this credit card to make a 3500 purchase, your 5500 purchase will be charged interest. 05 See Disclosures on Reverse side. EFTA00123637 §A pcomobonal Annual Percentage Rate (APR) offer may be assigned and applied to your account at various times within a given Wag cycle. II you are selected kr a promotional offer, the sdection wi be based on your account status as of that date Promotional Offers From time to time. we may make Promotional Offers on certan Balance Transfers, Cash Advances and Purchases. Promotional Offers may include limited-time introductory or promotional APRs that are lower than the non-promobonal APRs for those features and may be subject to other condians Promobonal Oilers may indude lmted.bme transact= fees, which may be beer than the standard fees provided in your Credit Cad Agreement Your acecua must be open with active chargng privileges at the tine a transachem* processed and you must have sufficient available credit to cover the amount of the transaction and any related lees There s no grace penod for Cash Advances Interest accrues from the transacbon date The transaction date for each Check Cash Advance is the date you a the person to wham the check is made payable first deposits or cashes the check The Average Balance Method (including new Cash Advances) as described ri your Credit Card Agreement (and cm your penodc statement) is used to compute your balance sutiect to interest rate for Cash Advances and Promobonal Offer balances coreasbng of Cash Advances : You may not use this account to make a payment on this or any other credit account or loan Issued by Bank of America, NA. or its affiliates. Use of these checks as repayment will result In a Returned Payment Fee as described in your Agreement. Non-promotional APRs we subtecl to change in accordance with the terms of your Agreement as may be amended (mdudng APR amendments. t any, accompanyng this bllrcg statement) These changes may increase your nun-promotional APRs Cash Advances are subrect to authorization by Bank of America, NA 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. RESERVED FOR FINANCIAL INSTITUTION USE' DO NOT WRITE. STAMP OR SIGN BELOW THIS LINE DO NOT WRITE. STAMP OR SIGN BE LOW THIS LINE Answers to some questions you may have Q. Is there a fee to take advantage of an offer? A. Yes, a transaction fee typically applies (check your offer details). But note that you could still save money on interest with a low rate, even after the fee. If you have questions regarding how much you could save, give us a call. Q. If I use a promotional offer, how will my payments be applied? A. Your card comes with different rates for purchases, balance transfers, direct deposits and checks. Your minimum payment amount will be applied to the lowest rate balance. If you pay more than the minimum, the additional amount will be applied to your higher rate balances. Q. What happens if I still have a balance when my promotional rate ends? A. When the promotional period ends, any remaining balances will be charged the appropriate rate for the type of transaction. Please note, if you use a check to transfer a balance, you might pay a higher rate on any remaining balance after the promotional period ends. Check your statement for current rates. Q. After I transfer a balance, do I need to continue to make payments to my other lender? A. Yes, because transfer times vary. To avoid any fees or other charges, you should continue to make at least the minimum monthly payment until you see the transfer amount credited to your other account. Q. Can I use the available credit on my card to transfer cash to my checking account? A. Yes. The direct deposit feature lets you get cash from your card. Simply go online or call us. Q. Are the enclosed checks protected against fraud? A. Yes. You're not responsible for fraudulent use of these checks. This credit card program is issued and administered by Bank of America, N.A. American Express is a federally registered service mark of American Express, and is used by the issuer pursuant to a license. Mastercard and World Mastercard are registered trademarks of Mastercard International Incorporated and are used by the issuer pursuant to license. Visa and Visa Signature are registered trademarks of Visa International Service Association, and are used by the issuer pursuant to license from Visa U.S.A., Inc. ©2018 Bank of America Corporation INS-06-18-0422.A EFTA00123638 Bank of America ":".›.?" CASH REWARDS Account Summary Previous Balance $634.58 Payments and Other Credits -$450.00 Purchases and Adjustments $100.31 Fees Charged $0.81 Interest Charged $7.14 New Balance Total $292.84 Total Credit Line $13,000.00 Total Credit Available $12,707.16 Cash Credit Line $3,900.00 Portion of Credit Available for Cash $3,900.00 Statement Closing Date 0105/2019 Days in Billing Cycle 28 Bank of America e-a - Payment Information New Balance Total Current Payment Due Customer Service Information: www.bankofamerica.com 1.000.421.2110 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 6 - March 5, 2019 $292.84 $25.00 Total Minimum Payment Due Payment Due Date $25.00 04/02/2019 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 Minimum Payment I 3 months $313.00 If 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 $292.84 $2580 04/02/2019 = kr change of anon/Ohms number, see reverse aide. Make )our pennant °ohne at www.bankolamenca.00m or Mall this coupon along with yew check payable to: Bank of Arnwlea EFTA00123639 I February 6 - March 5. 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 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 clviding 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 instiwuon 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 credited 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 EFTA00123640 I February 6 • March 5. 2019 Transactions Transaction Posting Reference Date Date Description Number Payments and Other Credits 02/14 02115 Online payment from CHK 2 03/02 03/02 Online payment from CHK 2 TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD 0875 0663 Purchases and Adjustments O2/04 02/06 PAYPRO'HOVERWATCH 16468736857 1112 02/07 02/08 SEAMLSSSOPHIESCUBANCU SEAMLESS.COM NY 4012 02/17 02/19 OMNI PARKER HOUSE FRONT D617.2278600 MA 8658 ARRIVAL DATE 02/16/19 TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD Fees O2104 02/06 FOREIGN TRANSACTION FEE TOTAL FEES FOR THIS PERIOD 1112 Account Number Amotnt Total —200.00 —250.00 —$450.00 27.17 22.14 51.00 $10031 0.81 $O.81 Interest Charged 03/05 03/05 INTEREST CHARGED ON PURCHASES 03/05 03/05 INTEREST CHARGED ON BALANCE TRANSFERS 03/05 03/05 INTEREST CHARGED ON DIR DEP&CHK CASHADV 03/05 03/05 INTEREST CHARGED ON BANK CASH ADVANCES TOTAL INTEREST CHARGED FOR THIS PERIOD Total fees charged In 2019 $0.81 Total interest charged in 2019 $21.96 Interest Charge Calculation 7.14 0.00 0.00 0.00 Your Annual Percentage Rate (APR) is the annual interest rate on you! 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 17.24%V Balance Transfers 17.24%V Direct Deposit and Check Cash 20.24%V Advances Bank Cash Advances 27.24%V APR Type Definitions Daily Interest Rate Type: V- Variable Rate (rate may vary) 57.14 EFTA00123641 I February 6 - March S, 2019 Your Reward Summary 1.00 Base Cash Back Earned 75 Relationship Bonus Earned 37.40 Total Cash Back Available Make the most of your rewards program today! Limited-time offer for customers of Bank of America O intuit turbotax. Save up to $15 on TurboTax.- the #1 best-selling tax software Get your discount at bankofamerica.com/TurboTaxOffer. Visit http.11turbotaxintuit.corrilp/yoy/guaranteesjsp for TurboTacproduct guarantees andother krportant information Limited tine offer for TirboTat 201& Nixon applies to TurboTax federal products only. Terms. conditions. fealties, availabdtty. pricing fees. service and support options &Oro to change nithout notice. Intuit. lirboTa and TurboTax Online. anong others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Bank of America, its affiliates nor their employees provide tax advice. By responding to this offer, you are disclosiig that you are a Bank of Nnetica* customer. SIA410.18-1:O54C I WIWI Additional Information 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 ti 6 EFTA00123642 1043 Depose or cr.litry 05.05:2019 Pry To The 0 cle- Pa:, To Plc 013: 0, Date Offer ID KV05.93982 VOID $[ 62•16 311 For Bank of America C.-e* Doris 1044 Depose or cr... by 05.05:2019 Date Offer ID KV05.93982 VOID 62•16 311 Dohs Fee Bank of America e l••• h-e•t.V. f e * • Save on Interest You have a low promotional rate on your credit card to: • Save money when you transfer higher rate balances • Consolidate your bills and pay them off faster • Get fast access to cash for larger planned or unplanned expenses, like home improvements or car repairs Visit bankofamerica.com/bt or call 1.888.515.3308 to transfer non-Bank of America balances or to deposit cash from your card into your checking account. Use these checks to pay other individuals.0 This offer does not apply to card purchases. APR for Check Cash Advances Promotional Offer ID KV05-93982 0% Promotional APR through your statement Closing Date in February 2020. When this Promotional APR ends, the APR for these promotional balances will increase to a Check Cash Advance rate of 20.24%. This APR will vary with the market based on the U.S. Prime Rate. Use by Date Checks must be deposited or cashed by May 6, 2019 for the promotional rate to apply. Any of these checks used after that date will be declined. Fee 3% of the amount of each transaction (min. 510). Paying Interest We will begin charging interest on these checks on the transaction date. Your account was selected for the following promotional offer based on your account status as of February 28. 2019.5 Promotional Otter ID KV06-93982: The Promotional Annual Percentage Rate (Promotional APR) is 0%(.000000% Daily Periodic Rate ("DPR")). This promotional offer applies to Balance Transfers, Direct Deposit Cash Advances and Check Cash Advances bearing this Offer ID (each an "eligible transaction"). Card purchases are not eligible for this offer. This offer applies to eligible transactions posting to your account beginning March 8, 2019 through May 6, 2019. This Promotional APR ends on your statement Closing Date in February 2020. When this Promotional APR ends, the APR for Balance Transfer promotional balances will increase to a rate that varies with the market based on the U.S. Prime Rate; as of February 28, 2019, this APR is 17.24%. When this Promotional APR ends, the APR for Direct Deposit and Check Cash Advance promotional balances will increase to a rate that varies with the market based on the U.S. Prime Rate; as of February 28, 2019, this APR is 20.24%. Use of an attached check or draft will constitute a charge against your credit account. The transaction date for each Check Cash Advance is the date you or the person to whom the check is made payable first deposits or cashes the check. The transaction fee for Balance Transfers, Direct Deposit Cash Advances and Check Cash Advances is 3% of the U.S. dollar amount of each transaction (min. $10). Minimum Interest Charge $1.50. If you take advantage of this promotional offer, you will be charged interest on purchases made with your credit card. For example, if you transfer $2,000 with this offer and carry this balance, and then use this credit card to make a $500 purchase, your $500 purchase will be charged interest. 05 See Disclosures on Reverse side. EFTA00123643 §A pcomobonal Annual Percentage Rate (APR) offer may be assigned and applied to your account at various times within a given Wag cycle. II you are selected kr a promotional offer, the sdection wi be based on your account status as of that date Promotional Offers From time to time. we may make Promotional Offers on certan Balance Transfers, Cash Advances and Purchases. Promotional Offers may include limited-time introductory or promotional APRs that are lower than the non-promobonal APRs for those features and may be subject to other condians Promobonal Oilers may indude lmted.bme transact= fees, which may be beer than the standard fees provided in your Credit Cad Agreement Your acecua must be open with active chargng privileges at the tine a transachem* processed and you must have sufficient available credit to cover the amount of the transaction and any related lees There s no grace penod for Cash Advances Interest accrues from the transacbon date The transaction date for each Check Cash Advance is the date you a the person to wham the check is made payable first deposits or cashes the check The Average Balance Method (including new Cash Advances) as described ri your Credit Card Agreement (and cm your penodc statement) is used to compute your balance sutiect to interest rate for Cash Advances and Promobonal Offer balances coreasbng of Cash Advances : You may not use this account to make a payment on this or any other credit account or loan Issued by Bank of America, NA. or its affiliates. Use of these checks as repayment will result In a Returned Payment Fee as described in your Agreement. Non-promotional APRs we subtecl to change in accordance with the terms of your Agreement as may be amended (mdudng APR amendments. t any, accompanyng this bllrcg statement) These changes may increase your nun-promotional APRs Cash Advances are subrect to authorization by Bank of America, NA 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. RESERVED FOR FINANCIAL INSTITUTION USE' DO NOT WRITE. STAMP OR SIGN BELOW THIS LINE DO NOT WRITE. STAMP OR SIGN BE LOW THIS LINE Answers to some questions you may have Q. Is there a fee to take advantage of an offer? A. Yes, a transaction fee typically applies (check your offer details). But note that you could still save money on interest with a low rate, even after the fee. If you have questions regarding how much you could save, give us a call. Q. If I use a promotional offer, how will my payments be applied? A. Your card comes with different rates for purchases, balance transfers, direct deposits and checks. Your minimum payment amount will be applied to the lowest rate balance. If you pay more than the minimum, the additional amount will be applied to your higher rate balances. Q. What happens if I still have a balance when my promotional rate ends? A. When the promotional period ends, any remaining balances will be charged the appropriate rate for the type of transaction. Please note, if you use a check to transfer a balance, you might pay a higher rate on any remaining balance after the promotional period ends. Check your statement for current rates. Q. After I transfer a balance, do I need to continue to make payments to my other lender? A. Yes, because transfer times vary. To avoid any fees or other charges, you should continue to make at least the minimum monthly payment until you see the transfer amount credited to your other account. Q. Can I use the available credit on my card to transfer cash to my checking account? A. Yes. The direct deposit feature lets you get cash from your card. Simply go online or call us. Q. Are the enclosed checks protected against fraud? A. Yes. You're not responsible for fraudulent use of these checks. This credit card program is issued and administered by Bank of America, N.A. American Express is a federally registered service mark of American Express, and is used by the issuer pursuant to a license. Mastercard and World Mastercard are registered trademarks of Mastercard International Incorporated and are used by the issuer pursuant to license. Visa and Visa Signature are registered trademarks of Visa International Service Association, and are used by the issuer pursuant to license from Visa U.S.A., Inc. ©2018 Bank of America Corporation INS-06-18-0422.A EFTA00123644 Bankof America's-I CASH REWARDS Account Summary Previous Balance $292.84 Payments and Other Credits 41octoo Purchases and Adjustments $950.78 Fees Charged $2521 Interest Charged $15.53 New Balance Total $1.184.96 Total Credit Line $13000.00 Total Credit Available $11,815.04 Cash Credit Line $3,900.00 Portion of Credit Available for Cash $3,900.00 Statement Closing Date 04/05/2019 Days in Billing Cycle 31 Bank of America * Payment Information New Balance Total Current Payment Due Customer Service Information: wwwbankofamericacom 1.9)0.421.2110 Ti?: 1.990.3446.3178 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 March 6 - April 5.2019 $1,184.96 $51.00 Total Minimum Payment Due Payment Due Date $51.00 05/02/2019 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 29.99%. 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 6 years $1.892.00 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 4, 2019. For more information on these changes, see the enclosed Important Information section containing amendments to your Credit Card Agreement. Revised Terms as of June 4, 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. 004.000.000.4 EFTA00123645 I March 6- April 5.2019 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. 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. EFTA00123646 I March 6- April 5.2019 Transactions Transaction Posting Reference Account Date Date Description Number Number Amount Total Payments and Other Credits 04/03 04/03 Online payment from CHK 2 3030 TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD —100.00 —$100.00 Purchases and Adjustments 03/04 03/06 PAYPRO'HOVERWATCH LONDON 2264 03/09 03112 DELTA AIR 0062362584876DELTACOM CA 9502 04/11 JFK/STI ONEWAY 03/12 03114 58SALT LAKE CTYUT 1700 04/15 POP/JFK ONEWAY 03/13 03114 BPe8264723US AUTO WASH C BROOKLYN NY 0588 03/15 03116 ENVY SMILE DENTAL PC BROOKLYN NY 0078 03/21 03/22 AROME CAFE NEW YORK NY 6148 03/22 03/22 FAMILY VENDING INC NEW YORK NY 0149 03/30 04/01 Spotify USA 877.7781161 NY 3929 TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD 27.17 260.00 396.18 64.33 175.00 14.30 3.81 9.99 $950.78 Fees 03/04 03106 FOREIGN TRANSACTION FEE 04/02 04/03 LATE FEE FOR PAYMENT DUE TOTAL FEES FOR THIS PERIOD 2264 0.81 25.00 $25.81 Interest Charged 04/05 04/05 INTEREST CHARGED ON PURCHASES 04/05 04/05 INTEREST CHARGED ON BALANCE TRANSFERS 04/05 04/05 INTEREST CHARGED ON DIR DEP&CHK CASHADV 04/05 04/05 INTEREST CHARGED ON BANK CASH ADVANCES TOTAL INTEREST CHARGED FOR THIS PERIOD Total fees charged in 2019 $26.62 Total interest charged in 2019 $3749 Interest Charge Calculation 15.53 0.00 0.00 0.00 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 17.24%V Balance Transfers I 7.24%V Direct Deposit and Check Cash 20.24%V Advances Bank Cash Advances 27.24%V 0.00 0.00 $ 1.060.71 $ 0.00 $ 0.00 $ 15.53 0.00 0.00 515.53 APR Type Definitions Daily Interest Rate Type: V- Variable Rate (rate may vary) Page3 of 10 EFTA00123647 I March 6 - April 5, 2019 Important Messages 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. Your Reward Summary 9.50 Base Cash Back Earned 1.43 Category Bonus Earned 2.87 Relationship Bonus Earned 51.20 Total Cash Back Available Make the most of your rewards program today! 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. 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 EFTA00123648 I March 6 - April 5, 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 4, 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 EFTA00123649 I March 6 - April 5, 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. 1 700 G Street NW. Washington, DC 20006. YOUR BILLING RIGHTS Keep This Document For Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Bank of America P.O. Box 982234 El Paso, TX 79998-2234 In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after the error appeared on your statement. • At least 3 business days before an automated payment is scheduled. if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writinv. You may call us. but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. Note: It is very helpful if your letter includes the transaction date and the reference number for the charge, if available. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your Total Credit Line. After we finish our investigation, one of two things will happen: • if we determine there was a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. Page 6 of 10 EFTA00123650 I March 6 - April 5, 2019 • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent. including to credit reporting agencies, if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 1O days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above. you do not have to pay the first $5O of the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 1OO miles of your current mailing address, and the purchase price must have been more than $5O. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Bank of America P.O. Box 982234 El Paso, TX 79998-2234 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. O2019 Bank of America Corporation. All rights reserved. Page 7 of 10 EFTA00123651 I March 6- April 5.2019 This page intentionally left blank Page 8 of 10 EFTA00123652 I March 6 -April $ 2019 BANK OF AMERICA P.O. BOX 15019 WILMINGTON DE 19686-5019 Now Balance Total Total Minimum Payment Due Payment Due Date Enter payment amount $ $1,184.96 $51.00 05/02/2019 For change of addmss/phone number. see reverse std. Make spur pennon: °Ma, at www.bankoramenca.com or Mail this coupon along with you' check payable to: Bank of Anodes EFTA00123653 I March 6 - April 5. 2019 PAYMENTS - We credit mailed payments as of the date received. if the payment is: (I) received by 5 p.m. local time at the address shown on the remittance portion of your monthly statement: (2) paid with a check drawn in U.S. dollars an a U.S. financial institution 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 5 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 online or by phone will be credited as of the date of receipt if made by 5 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 IlD). 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 electrons 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 are 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 is wrong. To stop payment. your letter must reach us at least Mee 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. AS EFTA00123654 Bankof America -sa CASH REWARDS Account Summary Previous Balance $1.184.96 Payments and Other Credits —$393.00 Purchases and Adjustments $430.95 Fees Charged $4733 Interest Charged $21.43 New Balance Total $1,294.67 Total Credit Line 513.000.00 Total Credit Available $11,705.33 Cash Credit Line $3,900.00 Portion of Credit Available for Cash $3.900.00 Statement Closing Date 05/05/2019 Days in Billing Cycle 30 Bank of America Sr Payment Information New Balance Total Current Payment Due Customer Service Information: www.bankofamerica.com 1.800.421.2110 TTY: 1.800.346.3178 Mail billing inquiries to: Bank of America P.O. Box 982234 El Paso TX 79998-2234 Mail payment to: Bank of America P.O. Box 15019 Wilmington DE 19886-5019 April 6 • May 5, 2019 $1.294.67 $71.00 Total Minimum Payment Due Payment Due Date $71.00 06,02/2019 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 Minimum Payment 7 years $2,133.00 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 Total $1.294.67 Total Minimum Payment Due $71.00 Payment Due Date 06/02/2019 Enter payment amount kr change of eness/Ohorte number, see reverse sal. Make your pennant one et www.benkolemerica.00m or Mall this coupon along with yaw check payable to: Bank of Arrietlea EFTA00123655 I April 6 - May 5. 2019 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 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 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 EFTA00123656 Transactions Transaction Posting Date Date I April 6• May 5. 2019 Description Reference Number Account Number Amount Total Payments and Other Credits 05/03 05/03 Online payment from CHK 2 1800 —390.00 TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD —$390.00 Purchases and Adjustments 04/04 04/06 PAYPRO'HOVERWATCH LONDON 2792 27.17 04/06 04/09 EJUICE.DEALS 888-358-4231 CA 6620 75.71 04/09 04/10 NYCDOT PARKING METERS LONG IS CITY NY 4498 4.00 04/11 04/12 DUFRY AERO CIBAO USD SANTIAGO 6039 86.00 04/11 04/13 DELTA AIR Baggage Fee NEW YORK•JFK NY 9204 30.00 04/15 04/16 FARMACIA CAROL SOSUA SANTO DOMINGO 2782 19808 04/30 04/30 Spotify USA 877-7781161 NY 3928 9.99 TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD $430.95 Fees 04/04 04/06 FOREIGN TRANSACTION FEE 2792 0.81 04/11 04/12 FOREIGN TRANSACTION FEE 6039 2.58 04/15 04/16 FOREIGN TRANSACTION FEE 2782 5.94 05/02 05/03 LATE FEE FOR PAYMENT DUE 3&00 TOTAL FEES FOR THIS PERIOD $4733 Interest Charged 05/05 05/05 INTEREST CHARGED ON PURCHASES 21.43 05/05 05/05 INTEREST CHARGED ON BALANCE TRANSFERS 0.00 05/05 05/05 INTEREST CHARGED ON DIR DEP&CHK CASHADV 0.00 05/05 05/05 INTEREST CHARGED ON BANK CASH ADVANCES 0.00 TOTAL INTEREST CHARGED FOR THIS PERIOD $21.43 Total fees charged in 2019 $73.95 Total interest charged in 2019 $58.92 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 17.24%V Balance Transfers 17.24%V Direct Deposit and Check Cash 20.24%V Advances Bank Cash Advances 27.24%V 0.00 $ 0.00 $ 1.51205 $ 21.43 0.00 $ 0.00 0.00 $ 0.00 APR Type Definitions Daily Interest Rate Type: V- Variable Rate (rate may vary) Page 3014 EFTA00123657 I April6 - May 5.2019 Your Reward Summary 4.31 Base Cash Back Earned 1.10 Relationship Bonus Earned 56.61 Total Cash Back Available Make the most of your rewards program today! Additional Information 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 EFTA00123658 Bankof America ' CASH REWARDS Account Summary Previous Balance $1,294.67 Payments and Other Credits -$60aoo Purchases and Adjustments $188.53 Fees Charged $0.81 Interest Charged $15.61 New Balance Total $899.62 Total Credit Line $13.000.00 Total Credit Available $12.100.38 Cash Credit Line $3,900.00 Portion of Credit Available for Cash $3.900.00 Statement Closing Date 0605/2019 Days in Billing Cycle 31 BANK OF AMERICA Payment Information New Balance Total Current Payment Due Customer Service Information: www.bankofamerica.com 1.800.421.2110 TTY: 1.800.346.3178 Mail billing inquiries to: Bank of America P.O. Box 982234 El Paso TX 79998-2234 Mail payment to: Bank of America P.O. Box 15019 Wilmington DE 19886-5019 May 6• June 5. 2019 $899.62 $25.00 Total Minimum Payment Due Payment Due Date $25.00 07/02(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 $39.00 and your APRs may be increased up to the Penalty APR of 29.9910. 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 Day 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 $1253.00 Minimum Payment $32.00 36 months $1.152.00 (Savings - $101.00) f you would like information about credit counseling services, call 866.300.5238. BANK OF AMERICA P.O. BOX 15019 WILMINGTON DE 19886-5019 fl New Balance Total Total Minimum Payment Due Payment Due Date Enter payment amount $899.62 $2500 07/02/2019 for change of *nese/Ohms number, see reverse sal. Make wur payment online et www.benkolemerica.00m or Mail this coupon along with your check payable to: Bank of Armistice EFTA00123659 I May 6 - June S.2019 One • COO •CelD• 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: (1 1 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 (ATM 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-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 EFTA00123660 I May 6 - June 5. 2019 Transactions Transaction Posting Reference Account Date Date Description Number Number Amotnt Total Payments and Other Credits 05/18 05118 Online payment from CHK 2 3920 TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD -4600.0O Purchases and Adjustments 05104 05/06 BED-STUY FISH FRY - UTICABROOKLYN NY 8155 29.50 05104 05107 PAYPRO'HOVERWATCH LONDON 4208 27.17 05/17 05118 SPEEDWAY 07637 BROOKLYN NY 1410 65.15 05/21 05/23 BED-STUY FISH FRY - UTICABROOKLYN NY 0418 56.72 05/30 05/30 Spotify USA 877-7781161 NY 4944 9.99 TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD $188,33 Fees 05/04 05/07 FOREIGN TRANSACTION FEE 4208 0.81 TOTAL FEES FOR THIS PERIOD $0.81 Interest Charged 06/05 06/05 INTEREST CHARGED ON PURCHASES 15.61 06/05 06/05 INTEREST CHARGED ON BALANCE TRANSFERS 0.00 06/05 06/05 INTEREST CHARGED ON DIR DEP&CHK CASHADV 0.00 06/05 06/05 INTEREST CHARGED ON BANK CASH ADVANCES 0.00 TOTAL INTEREST CHARGED FOR THIS PERIOD Total fees charged in 2019 $74.76 Total interest charged in 2019 $74.53 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 17.24%V Balance Transfers 17.24%V Direct Deposit and Check Cash 20.24%V S 0.00 S 0.00 Advances Bank Cash Advances 27.24%V S 0.00 S 0.00 S 1.06632 S 15.61 $15.61 0.00 S 0.00 APR Type Definitions Daily Interest Rate Type: V- Variable Rate (rate may vary) Page 3 of 4 EFTA00123661 Your Reward Summary 1.89 Base Cash Back Earned 1.30 Category Bonus Earned 81 Relationship Bonus Earned 60.61 Total Cash Back Available Make the most of your rewards program today! Our Mobile Banking app' and Online Banking are both certified by J.D. Power' for providing "An Outstanding Customer Experience." Download the app today from your app store or visit bankofamerica.com. ' Mobile Banking requires that yOudoonload the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply Reeser 2019 Mobile App Certification Program's and 2019 Website Cenification Program'" recognition is based on successful completion of an audit and exceeding a customer experience benchmark through a survey of recent servicing interactions. For more information. visit idpmercomtanatds. SW it IS05294 I ARFVGIAU Page 4 of 4 EFTA00123662 Bank of America 4* CASH REWARDS nv Sendves Account Summary Previous Balance $899.62 Payments and Other Credits —$700.00 Purchases and Adjustments $777.84 Fees Charged $0.81 Interest Charged $15.68 New Balance Total $993.95 Total Credit Line $11000.00 Total Credit Available $12,006.05 Cash Credit Line $3,900.00 Portion of Credit Available for Cash $3,900.00 Statement Closing Date 07/05/2019 Days in Billing Cycle 30 BANK OF AM ERICC, Payment Information New Balance Total Current Payment Due Customer Service Information: www.bankofamerica.com 1.800.421.2110 TTY: 1.800.346.3178 Mail billing inquiries to: Bank of America P.O. Box 982234 El Paso TX 79998-2234 Mail payment to: Bank of America P.O. Box 15019 Wilmington DE 19886-5019 June 6•July 5, 2019 $993.95 $25.00 Total Minimum Payment Due Payment Due Date $25.00 08,02/2019 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 $39.00 and your APRs may be increased up to the Penalty APR of 29.9910. 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 Day 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 5 years $1 A 57.00 Minimum Payment $36.00 36 months $1.296.00 (Savings - $161.00) 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 $99195 $25.00 08/02/2019 kr change of eness/Ohorte numb see reverse side. Make your pennant onfine et www.benkolemenca.00m or Mail this coupon along with your check payable to: Bank of MAMMA EFTA00123663 I June 6 - July 5.2019 Oda • 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. 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 M 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 InstiwUon 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 (ATM 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-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 EFTA00123664 I June 6• July 5.2019 Transactions Transaction Posting Date Date Description Reference Number Payments and Other Credits 06/15 06/15 Online payment from CHK 2 7284 06/24 06/24 Online payment from CHK 2 2190 TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD Purchases and Adjustments 06/04 06/06 MCDONALD'S F3978 BROOKLYN NY 9104 06/04 06/06 PAYPRO'HOVERWATCH LONDON 5835 06/14 06115 ENVY SMILE DENTAL PC BROOKLYN NY 0060 06/15 06/17 BROOKLYN SMOKE BROOKLYN NY 8686 06/16 06/17 BP42566966SUNRISE GAS SE BROOKLYN NY 8967 06/21 06/22 NYCDOT PARKING METERS LONG IS CITY NY 6074 06/30 07/01 Spotify USA 877-7781161 NY 4833 TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD Fees 06/04 06/06 FOREIGN TRANSACTION FEE 5835 TOTAL FEES FOR THIS PERIOD Interest Charged 07/05 07/05 INTEREST CHARGED ON PURCHASES 07/05 07/05 INTEREST CHARGED ON BALANCE TRANSFERS 07/05 07/05 INTEREST CHARGED ON DIR DEP&CHK CASHADV 07/05 07/05 INTEREST CHARGED ON BANK CASH ADVANCES TOTAL INTEREST CHARGED FOR THIS PERIOD Interest Charge Calculation Account Number Amount Total F00.00 —400.00 11.61 27.17 600.00 67.07 60.00 2.00 9.99 —$700.00 $777.84 2636 0.81 $0.81 15.68 0.00 0.00 0.00 , • Annual Percentage Rate (APR) is (Pe 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 17.24%V 1,106.79 S 15.68 Balance Transfers Direct Deposit and Check Cash Advances Bank Cash Advances 27.24%V 0.00 0.00 $15.68 17.24%V 20.24%V $ 0.00 0.00 0.00 0.00 APR Type Definitions Daily Interest Rate Type: V- Variable Rate (rate may vary) Page 3of4 EFTA00123665 I June 6• July 5.2019 Your Reward Summary 7.78 Base Cash Back Earned 1.87 Category Bonus Earned 2.43 Relationship Bonus Earned 72.69 Total Cash Back Available Make the most of your rewards program today! Fraud prevention: We're here to help Help prevent fraud with these simple tips: • Update your contact information so we can reach you if we suspect fraud. • Report suspicious activity right away. • Read our Fraud Prevention Checklist at bankofamerica.corn/FraudChecklist for more ways to help prevent fraud and identify scams. Learn more about fraud prevention on our Security Center at bankofamerica.com/security. S94041900764 I Artflaz5IX Page 4 of 4 EFTA00123666 Bank of America -sa CASH REWARDS v,...comon• Account Summary Previous Balance $993.95 Payments and Other Credits —$1352.40 Purchases and Adjustments $670.33 Fees Charged $0.81 Interest Charged $1.69 New Balance Total $314.38 Total Credit Line $13000.00 Total Credit Available $12.685.62 Cash Credit Line $3,900.00 Portion of Credit Available for Cash $3,900.03 Statement Closing Date 08/05/2019 Days in Billing Cycle 31 BANK OF AMERICA,' Payment Information New Balance Total Current Payment Due Customer Service Information: www.bankofamerica.com 1.800.421.2110 TTY: 1.800.346.3178 Mail billing inquiries to: Bank of America P.O. Box 982234 El Paso TX 79998-2234 Mail payment to: Bank of America P.O. Box 15019 Wilmington DE 19886-5019 July 5. 2019 $314.38 $25.00 Total Minimum Payment Due Payment Due Date $25.00 09i02/2019 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 $39.00 and your APRs may be increased up to the Penalty APR of 29.9916. 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 14 months $344.00 f you would like information about credit counseling services, call 866.300.5238. BANK OF AMERICA P.O. BOX 15019 WILMINGTON DE 19886-5019 fl Now Balance Total Total Minimum Payment Due Payment Due Date Enter payment amount $314.38 $25.00 09/02/2019 for change of eness/Ohorte number, see re✓erse aid. Make lour payment online et www.benkolemenca.00m or Mail this coupon along with your check payable to: Bank at MAMMA EFTA00123667 I July 6 - August 5. 2019 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 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 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 EFTA00123668 I July 6 -August 5.2019 Transactions Transaction Posting Date Date Description Reference Number Account Number Amotnt Total Payments and Other Credits 07/09 07/09 Online payment from CHK 2 0983 —1.102.40 08/01 08101 Online payment from CHK 2 7203 —250.00 TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD —$1.352A0 Purchases and Adjustments 07/04 07/06 PAYPRO'HOVERWATCH LONDON 2821 27.17 07/05 07/06 SPEEDWAY 07837 BROOKLYN NY 1985 67.47 07/07 07/08 SONGS UTICA MARKET CORP BROOKLYN NY 9783 13.00 07/07 07/09 SHERATON PARSIPPANY F8 PARSIPPANY NJ 9000 27.92 07/07 07/09 MCDONALDS F3978 BROOKLYN NY 3194 12A9 07/09 07/11 EXXONMOBIL 48237796 BROOKLYN NY 3974 62.56 07/11 07/11 SEA BROOKLYN NY 1292 186.58 07/14 07/16 EXXONMOBIL 48237796 BROOKLYN NY 4307 67.59 07/18 07/20 FOOTPRINTS BROOKLYN NY 6331 131.83 07/30 07/30 Spotify LISA 877-7781161 NY 3925 9.99 07/30 08/01 EXXONMOBIL 48237796 BROOKLYN NY 3858 63.73 TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD $67033 Fees 07/04 07/06 FOREIGN TRANSACTION FEE 2821 2636 0.81 TOTAL FEES FOR THIS PERIOD $0.81 Interest Charged 08/05 08/05 INTEREST CHARGED ON PURCHASES 1.69 08/05 08/05 INTEREST CHARGED ON BALANCE TRANSFERS 0.00 08/05 08/05 INTEREST CHARGED ON DIR DEP&CHK CASHADV 0.00 08/05 08/05 INTEREST CHARGED ON BANK CASH ADVANCES 0.00 TOTAL INTEREST CHARGED FOR THIS PERIOD $1.69 Total fees charged In 2019 Total Interest charged In 2019 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 17.24%V 115.19 $ 1.69 Balance Transfers 17.24%V Direct Deposit and Check Cash 20.24%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 of4 EFTA00123669 I July 6 -August 5.2019 Your Reward Summary 6.71 Base Cash Back Earned 5.35 Category Bonus Earned 3.04 Relationship Bonus Earned 87.79 Total Cash Back Available Make the most of your rewards program today! COUNTRY MUSIC A FILM BY KEN BURNS O PBS. THE POWER TO tell America's story through music We're proud to support Country Music — a new Ken Burns 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. MARKO. ANIIIMA MUTH MUSIC OMANI •• men ..... ST4401-140161 8 I ARIA6TROV Page 4 o(4 EFTA00123670 Bankof America ' CASH REWARDS Account Summary Previous Balance $314.38 Payments and Other Credits 4100.00 Purchases and Adjustments $245.56 Fees Charged $25.81 Interest Charged $7.16 New Balance Total $492.91 Total Credit Line $13000.00 Total Credit Available $12,507.09 Cash Credit Line $3,900.00 Portion of Credit Available for Cash $3,900.00 Statement Closing Date 09/05/2019 Days in Billing Cycle 31 BANK OF AMERICA --)> 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 August 6 - September 5. 2019 $492.91 $36.00 Total Minimum Payment Due Payment Due Date $36.00 10/02/2019 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 $39.00 and your APRs may be increased up to the Penalty APR of 29.9916. 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 23 months $569.00 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 Total Total Minimum Payment Due Payment Due Date Enter payment amount $492.91 $36.00 10/02/2019 For change a edorese/Ohorte number, see reverse sal. Make pur payment Oftlie et www.benkolemenca.00m or Mail this coupon along with your check payable ta Bank of MAMMA EFTA00123671 I August 6 - September 5. 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 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 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 EFTA00123672 I August 6 - September 5, 2019 Transactions Transaction Posting Reference Account Date Date Description Number Number Amount Total Payments and Other Credits 09/03 09/03 Online payment from CHK 2 6824 TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD —100.00 —S100.00 Purchases and Adjustments 08/04 08/06 PAYPRO'HOVERWATCH LONDON 4463 27.17 08/07 08/07 RITE AID STORE - 10585 BROOKLYN NY 9233 29.29 08/07 08/07 MADISON BAGEL & GRILL NEW YORK NY 0181 9.80 08/06 08/08 EXXONMOBIL 48237796 BROOKLYN NY 7438 62.62 08/17 08119 SIGNATURE BROOKLYN NY 0035 53.24 08/24 08/26 THE WASH EXPERTS BROOKLYN NY 1521 32.66 08/28 08/30 BED-STUY FISH FRY - UTICABROOKLYN NY 9858 20.79 08/30 08/30 Spotify USA 877-7781161 NY 3922 9.99 TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD $24556 Fees 08/04 08/06 FOREIGN TRANSACTION FEE 4463 0.81 09102 09/03 LATE FEE FOR PAYMENT DUE 25.00 TOTAL FEES FOR THIS PERIOD $2521 Interest Charged 09105 09/05 INTEREST CHARGED ON PURCHASES 7.16 09/05 09/05 INTEREST CHARGED ON BALANCE TRANSFERS 0.00 09105 09/05 INTEREST CHARGED ON DIR DEP&CHK CASHADV 0.00 09105 09/05 INTEREST CHARGED ON BANK CASH ADVANCES 0.00 TOTAL INTEREST CHARGED FOR THIS PERIOD Total fees charged In 2019 $102.19 Total Interest charged In 2019 $99.06 Interest Charge Calculation YoL , 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 1699%V $ 495.99 $ 7.16 Balance Transfers 1699%V $ 0.00 $ 0.00 Direct Deposit and Check Cash 19.99%V $ 0.00 $ 0.00 Advances Bank Cash Advances 26.99%Y 0.00 $ 0.00 APR Type Definitions Daify Interest Rate Type: V- Variable Rate (rate may vary) $7.16 Page 3 of4 EFTA00123673 Your Reward Summary 2.46 Base Cash Back Earned 1.25 Category Bonus Earned 1.81 Relationship Bonus Earned 93.31 Total Cash Back Available Make the most of your rewards program today! COUNTRY MUSIC A FILM BY KCN BURNS °PBS. THE POWER TO tell America's story through music we're proud w support Country Music — a new Ken Burns 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. ••••••••••••CA aunty music aft•Ili•V men ..... 55404140161 t1 I ARIA6TORN Page 4 of 4 EFTA00123674