Preview
Filed: 5/12/2021 1:50 PM
JOHN D. KINARD - District Clerk
Galveston County, Texas
Envelope No. 53370649
By: Shailja Dixit
21-CV-0630 5/12/2021 2:21 PM
CAUSE NO.
Bank of America, N.A. § IN THE DISTRICT COURT
Plaintiff, §
§ Galveston County - 405th District Court
vs. § ____ JUDICIAL DISTRICT
§
ASIF MALIK §
Defendant. § OF GALVESTON COUNTY, TEXAS
PLAINTIFF'S ORIGINAL PETITION
TO THE HONORABLE JUDGE OF SAID COURT:
COMES NOW Bank of America, N.A. ("Plaintiff"). a national banking association, and for
cause of action against Defendant Asif Malik, would show unto the Court as follows:
Discovery Control Plan
1. Discovery is to be conducted under Level 1 of Rule 190 of the Texas Rules of Civil
Procedure.
2. Plaintiff seeks only monetary relief of $250,000 or less, excluding interest, statutory
or punitive damages and penalties, and attorney fees and costs.
Nature of Case
3. Plaintiff seeks a recovery for damages arising from Defendant Asif Malik's breach
of a credit account agreement entered into by the Defendant, which Defendant used or authorized
to be used and for which Defendant became obligated to repay. Plaintiff sues herein for suit on
debt/account stated and for breach of contract. Plaintiff seeks a money judgment against the
Defendant.
Parties
4. Plaintiff, Bank of America, N.A., is a national banking association organized and
existing under the laws of the United States of America and having its principal place of business
in Charlotte, North Carolina.
5. Defendant Asif Malik is an adult individual upon whom service of citation may be
had at Defendant's residence which is located at 1367 Porta Rosa Ln, League City, TX 77573.
Plaintiff's Original Petition - Asif Malik (S&A 1865179) Page 1
Status Conference - 08/12/2021
S&A Form TempFile.wpd
Venue
6. Venue is proper in Galveston County pursuant to Section 15.002(a)(2) of the Texas
Civil Practice and Remedies Code because it is the county of residence for one or more of the
defendants at the time the cause of action accrued.
Facts
7. Plaintiff is a national banking association with its principal place of business in
Charlotte, North Carolina. It is a subsidiary of Bank of America Corporation and is the successor-in-
interest to FIA Card Services, N.A. ("FIA"), formerly known as MBNA America Bank, N.A. FIA
was merged into and under the charter and title of Plaintiff effective October 1, 2014.
8. In the usual course of business, Bank of America, N.A. advanced dollar amounts on
a credit account, account number XXXXXXXXXXXX4285, which Defendant used or authorized
to be used for the purchases of goods, merchandise, services or for cash advances and for which
Defendant became bound to repay Bank of America, N.A. for all amounts thereby advanced
(hereinafter, the "Account").
9. The Defendant ceased making the required payments on the Account, thereby creating
a default.
10. Ultimately the Account was charged-off on October 31, 2020. As of the filing of this
lawsuit, there remained an unpaid balance of $22,778.18. This amount represents the charge-off
balance of the account, less any post-charge-off payments. Plaintiff does not seek, and has not
accrued, post-charge-off interest on the account.
11. Plaintiff is the true party in interest to the Contract in that it is an original party to the
Contract or legally affiliated with the original party to the Contract.
12. On or about March 9, 2021, Plaintiff sent a letter to Defendant demanding payment
in full of the Account (the "Demand Letter"); however, despite delivery of the Demand Letter, the
Account has not been paid.
13. There continues to be owed by Defendant to Plaintiff an unpaid balance of
Plaintiff's Original Petition - Asif Malik (S&A 1865179) Page 2
$22,778.18.
COUNT I - Suit on Debt / Account Stated
14. Paragraphs 1 through 13 are incorporated by reference.
15. Plaintiff is the owner and beneficiary of all claims related to the Account. In
accordance with federal regulations, Bank of America, N.A. sent monthly periodic statements for
the Account to the Defendant. Based upon Plaintiff's records, there are no unresolved billing
disputes related to the Account and the amount that is due and owing on the Account is $22,778.18;
said amount being just and true after all lawful offsets, payments and credits have been allowed.
16. Plaintiff is entitled to recover on the Account because (i) transactions between
Plaintiff and the Defendant gave rise to an indebtedness, (ii) there existed an agreement between the
Plaintiff and the Defendant which established the amount that was due to Plaintiff, and (iii) the
Defendant promised to pay Plaintiff on the debt which was incurred, but failed to do so.
17. Plaintiff has presented its claim to Defendant for payment, but Defendant has failed
and refused to pay the amount owed.
COUNT II - Breach of Contract
18. Paragraphs 1 through 17 are incorporated by reference.
19. Plaintiff is the owner and beneficiary of all rights under the Account opened by the
Defendant with Plaintiff. Defendant has breached the agreement between the parties by failing to
pay all amounts due and owing on the Account in accordance with the terms of the agreement.
20. $22,778.18 remains due and owing on the Account.
21. Plaintiff has presented its claim to Defendant for payment, but Defendant has failed
and refused to pay the amount owed.
Waiver of Attorneys Fees
22. Plaintiff expressly waives its right, if any, to recover its attorneys fees in this matter.
Plaintiff's Original Petition - Asif Malik (S&A 1865179) Page 3
Conditions Precedent
23. All conditions precedent to Plaintiff's right of recovery have been fulfilled.
[Continued on Next Page]
Plaintiff's Original Petition - Asif Malik (S&A 1865179) Page 4
Prayer
WHEREFORE, Plaintiff Bank of America, N.A. prays that Defendant Asif
Malik be cited to appear and answer herein, that this Court set this matter for
hearing, and that upon final hearing hereof, Plaintiff have judgment against the
Defendant as set forth herein:
a. Damages in the amount of $22,778.18,
b. Cost of Court, and
c. For such other relief to which Plaintiff may show itself entitled.
Respectfully submitted,
SCOTT & ASSOCIATES, P.C.,
Digitally signed by Matthew W. Cooper
/s/ Matthew W. Cooper DN: o=MJSPC, ou=Legal, uid=131475610
Date: 4/16/2021 8:52:15 PM
Matthew W. Cooper SBN 24097529
P. O. Box 115220
Carrollton, Texas 75011
Telephone: (214) 234-8456
Facsimile: (214) 234-8454
Courts@scott-pc.com
ATTORNEYS FOR PLAINTIFF
S&A 1865179
CustomerServiceInformation:
www.bankofamerica.com
1.800.421.2110
TTY:1.800.346.3178
P.O. BOX 1 5284
Mailbillinginquiriesto:
WILMINGTON, DE 1 9850
BankofAmerica
P.O.Box982234
ElPasoTX79998-2234
Mailpaymentto:
BankofAmerica
P.O.Box851001
DallasTX75285-1001
ASIFMALIK
1367PORTAROSALN
LEAGUECITYTX77573-2369
September18-October17,2020
Account 4285
AccountSummary PaymentInformation
PreviousBalance $22,463.01 NewBalanceTotal $22,778.18
PaymentsandOtherCredits $0.00 CurrentPaymentDue $539.00
PurchasesandAdjustments $0.00 PastDueAmount $3,738.00
FeesCharged $0.00
InterestCharged $315.17 TotalMinimumPaymentDue $4,277.00
PaymentDueDate 11/14/2020
NewBalanceTotal $22,778.18 LatePaymentWarning:IfwedonotreceiveyourTotalMinimum
Paymentbythedatelistedabove,youmayhavetopayalatefeeofupto
TotalCreditLine $20,400.00 $39.00andyourAPRsmaybeincreaseduptothePenaltyAPRof 29.99%.
TotalCreditAvailable $0.00 TotalMinimumPaymentWarning:IfyoumakeonlytheTotalMinimum
CashCreditLine $14,280.00 Paymenteachperiod,youwillpaymoreininterestanditwilltakeyou
PortionofCreditAvailable longertopayoffyourbalance.Forexample:
forCash $0.00
Ifyoumakenoadditional You will payoff the And you will end up
StatementClosingDate 10/17/2020 chargesusingthiscard balance shown on this paying an estimated
DaysinBillingCycle 30 andeachmonthyoupay statement in about total of
Only the Total 31years $55,927.00
Minimum Payment
Ifyouwouldlikeinformationaboutcreditcounselingservices,call
866.300.5238.
4285
BANKOFAMERICA AccountNumber:4285
P.O.BOX851001
DALLASTX75285-1001
NewBalanceTotal $22,778.18
TotalMinimumPaymentDue $4,277.00
PaymentDueDate 11/14/2020
ASIFMALIK Enterpaymentamount $ .
1367PORTAROSALN
LEAGUECITYTX77573-2369
Forchangeofaddress/phonenumber,seereverseside.
Makeyourpaymentonlineatwww.bankofamerica.comor
Mailthiscouponalongwithyourcheckpayableto:BankofAmerica
4285C
ASIFMALIK !Account#4285!September18-October17,2020
004-000-000-G
IMPORTANTINFORMATIONABOUTTHISACCOUNT
PAYINGINTEREST-WewillnotchargeinterestonPurchasesonthenext CALCULATIONOFBALANCESSUBJECTTOINTERESTRATE
statementifyoupaytheNewBalanceTotalinfullbythePaymentDueDate, AverageDailyBalanceMethod(includingnewPurchases):Wecalculate
andyouhadpaidinfullbythepreviousPaymentDueDate.Wewillbegin separateBalancesSubjecttoanInterestRateforPurchasesandforeach
charginginterestonBalanceTransfersandCashAdvancesonthetransaction IntroductoryorPromotionalOfferbalanceconsistingofPurchases.Wedothis
date. by:(1)calculatingadailybalanceforeachdayinthebillingcycle;(2)addingall
TOTALINTERESTCHARGECOMPUTATION-InterestChargesaccrueand thedailybalancestogether;and(3)dividingthesumofthedailybalancesby
arecompoundedonadailybasis.TodeterminetheInterestCharges,we thenumberofdaysinthebillingcycle.
multiplyeachBalanceSubjecttoInterestRatebyitsapplicableDailyPeriodic Tocalculatethedailybalanceforeachdayinthisstatement'sbillingcycle,we:
Rateandthatresultismultipliedbythenumberofdaysinthebillingcycle.To (1)takethebeginningbalance;(2)addanamountequaltotheapplicableDaily
determinethetotalInterestChargeforthebillingcycle,weaddthePeriodic PeriodicRatemultipliedbythepreviousday'sdailybalance;(3)addnew
RateInterestChargestogether.ADailyPeriodicRateiscalculatedbydividing Purchases,newAccountFees,andnewTransactionFees;and(4)subtract
anAnnualPercentageRateby365. applicablepaymentsandcredits.Ifanydailybalanceislessthanzerowetreat
HOWWEALLOCATEYOURPAYMENTS-Paymentsareallocatedto itaszero.
postedbalances.IfyouraccounthasbalanceswithdifferentAPRs,wewill AverageBalanceMethod(includingnewBalanceTransfersandnewCash
allocatetheamountofyourpaymentequaltotheTotalMinimumPaymentDue Advances):WecalculateseparateBalancesSubjecttoanInterestRatefor
tothelowestAPRbalancesfirst(includingtransactionsmadeafterthis BalanceTransfers,CashAdvances,andforeachIntroductoryorPromotional
statement).PaymentamountsinexcessofyourTotalMinimumPaymentDue OfferbalanceconsistingofBalanceTransfersorCashAdvances.Wedothisby:
willbeappliedtobalanceswithhigherAPRsbeforebalanceswithlowerAPRs. (1)calculatingadailybalanceforeachdayinthisstatement'sbillingcycle;(2)
IMPORTANTINFORMATIONABOUTPAYMENTSBYPHONE-When calculatingadailybalanceforeachdaypriortothisstatement'sbillingcycle
usingtheoptionalPay-by-Phoneservice,youauthorizeustoinitiatean thathada"Pre-Cyclebalance"-aPre-CyclebalanceisaBalanceTransferora
electronicpaymentfromyouraccountatthefinancialinstitutionyoudesignate. CashAdvancewithatransactiondatepriortothisstatement'sbillingcyclebut
Youmustauthorizetheamountandtimingofeachpayment.Foryour withapostingdatewithinthisstatement'sbillingcycle;(3)addingallthedaily
protection,wewillaskforsecurityinformation.Afeemayapplyforexpedited balancestogether;and(4)dividingthesumofthedailybalancesbythenumber
service.Tocancel,callusbeforethescheduledpaymentdate.Same-day ofdaysinthisstatement'sbillingcycle.
paymentscannotbeeditedorcanceled. Tocalculatethedailybalanceforeachdayinthisstatement'sbillingcycle,we:
YOURCREDITLINES-TheTotalCreditLineistheamountofcredit (1)takethebeginningbalance;(2)addanamountequaltotheapplicableDaily
availablefortheaccount;however,onlyaportionofthatisavailableforBank PeriodicRatemultipliedbythepreviousday'sdailybalance;(3)addnew
CashAdvances.TheCashCreditLineisthatamountyouhaveavailablefor BalanceTransfers,newCashAdvancesandTransactionFees;and(4)subtract
BankCashAdvances.Generally,BankCashAdvancesconsistofATMCash applicablepaymentsandcredits.Ifanydailybalanceislessthanzerowetreat
Advances,OvertheCounter(OTC)CashAdvances,Same-DayOnlineCash itaszero.
Advances,OverdraftProtectionCashAdvances,CashEquivalents,and Tocalculateadailybalanceforeachdaypriortothisstatement'sbillingcycle
applicabletransactionfees. thathadaPre-Cyclebalance:(1)wetakethebeginningbalanceattributable
MISCELLANEOUS-PromotionalRateEndDate:Thisdateisbasedona solelytoPre-Cyclebalance(whichwillbezeroonthetransactiondateofthe
futurestatementclosingdate.Ifyouchangeyourpaymentduedate,thisdate firstPre-Cyclebalance);(2)addanamountequaltotheapplicableDaily
couldchange.TheNewBalanceTotalwhichappearsonthisstatementisnota PeriodicRatemultipliedbythepreviousday'sdailybalance;(3)andaddonly
payoffamountandmaybesubjecttoadditionalinterestchargeswhenyoupay theapplicablePre-CyclebalancesandtheirrelatedTransactionFees.We
infullafteryourstatementclosingdate.Pleasecontactthecustomerservice excludefromthiscalculationalltransactionspostedinpreviousbillingcycles.
numberlocatedonthefrontofthisstatementforapay-offamount.Virtual
cardsarethedigitalformofyoureligiblephysicalcreditcardsstoredwithina
digitalwallet. Forthecompletetermsandconditionsofyouraccount,consultyourCredit
CardAgreement.ThisaccountisissuedandadministeredbyBankofAmerica.
2020BankofAmericaCorporation BankofAmericaisaregisteredtrademarkofBankofAmericaCorporation.
PAYMENTS-Wecreditmailedpaymentsasofthedatereceived,ifthepaymentis:(1)receivedby5p.m.localtimeattheaddressshownontheremittanceportionofyour
monthlystatement;(2)paidwithacheckdrawninU.S.dollarsonaU.S.financialinstitutionoraU.S.dollarmoneyorder;and(3)sentinthereturnenvelopewithonlytheremittance
portionofyourstatementaccompanyingit.Paymentsreceivedbymailafter5p.m.localtimeattheremittanceaddressonanydayincludingthePaymentDueDate,butthatotherwise
meettheaboverequirements,willbecreditedasofthenextday.Paymentsmadeonlineorbyphonewillbecreditedasofthedateofreceiptifmadeby5p.m.Central.Creditforany
otherpaymentsmaybedelayeduptofivedays.Cashpaymentsmadewithourtellerswillonlybeacceptedwithavalididentification(ID).
NopaymentshalloperateasanaccordandsatisfactionwithoutthepriorwrittenapprovalofoneofourSeniorOfficers.
Weprocessmostpaymentcheckselectronicallybyusingtheinformationfoundonyourcheck.Eachcheckauthorizesustocreateaone-timeelectronicfundstransfer(orprocessitasa
checkorpaperdraft).Fundsmaybewithdrawnfromyouraccountassoonasthesamedaywereceiveyourpayment.Checksarenotreturnedtoyou.
Ifyouhaveauthorizedustopayyourcreditcardbillautomaticallyfromyoursavingsorcheckingaccountwithus,youcanstopthepaymentonanyamountyouthinkiswrong.Tostop
payment,yourlettermustreachusatleastthreebusinessdaysbeforetheautomaticpaymentisscheduledtooccur.
ChangeofAddress/Phonenumber:Onlineatwww.bankofamerica.com
Pleasedonotaddanywrittencommunicationinthisspace.
AB
ASIFMALIK !Account#4285!September18-October17,2020
Transactions
Transaction Posting Reference Account
Date Date Description Number Number Amount Total
InterestCharged
10/17 10/17 INTERESTCHARGEDONPURCHASES 43.65
10/17 10/17 INTERESTCHARGEDONBALANCETRANSFERS 37.43
10/17 10/17 INTERESTCHARGEDONDIRDEP&CHKCASHADV 215.06
10/17 10/17 INTERESTCHARGEDONBANKCASHADVANCES 19.03
TOTALINTERESTCHARGEDFORTHISPERIOD $315.17
2020TotalsYear-to-Date
Totalfeeschargedin2020 $225.00
Totalinterestchargedin2020 $3,043.22
InterestChargeCalculation
Your AnnualPercentageRate(APR)istheannualinterestrateonyouraccount.
Typeof Annual Promotional Promotional Promotional Balance Interest
Balance Percentage Transaction OfferID RateEnd Subjectto Chargesby
Rate Type Date Interest Transaction
Rate Type
Purchases 12.24%V $ 4,339.11 $ 43.65
BalanceTransfers 12.24%V $ 3,720.91 $ 37.43
DirectDepositandCheckCash 19.24%V $ 13,599.99 $ 215.06
Advances
BankCashAdvances 24.24%V $ 954.99 $ 19.03
APRTypeDefinitions DailyInterestRateType:V=VariableRate(ratemayvary)
ImportantMessages
You're a valued customer and we want you to know that we haven't received your current payment due. Please send your payment due
today. If you've already mailed it, thank you.
Your statement balance exceeds the Total Credit Line. To ensure uninterrupted use of your account, please make a payment to bring your
balance under the Total Credit Line. There is no fee for being over your Total Credit Line.
When this statement was created, the account's Credit Line was in a restricted status and not available for use.
Page3of4
ASIFMALIK !Account#4285!September18-October17,2020
YourRewardSummary
.00 BaseCashBackEarned
Makethemostofyour
.00 TotalCashBackAvailable
rewardsprogramtoday!
Page4of4
CustomerServiceInformation:
www.bankofamerica.com
1.800.421.2110
TTY:1.800.346.3178
P.O. BOX 1 5284
Mailbillinginquiriesto:
WILMINGTON, DE 1 9850
BankofAmerica
P.O.Box982234
ElPasoTX79998-2234
Mailpaymentto:
BankofAmerica
P.O.Box851001
DallasTX75285-1001
ASIFMALIK
1367PORTAROSALN
LEAGUECITYTX77573-2369
May18-June17,2020
Account# 4285
AccountSummary PaymentInformation
PreviousBalance $20,576.11 NewBalanceTotal $21,409.80
PaymentsandOtherCredits -$520.00 CurrentPaymentDue $516.00
PurchasesandAdjustments $1,020.00 PastDueAmount $1,518.00
FeesCharged $28.00
InterestCharged $305.69 TotalMinimumPaymentDue $2,034.00
PaymentDueDate 07/14/2020
NewBalanceTotal $21,409.80 LatePaymentWarning:IfwedonotreceiveyourTotalMinimum
Paymentbythedatelistedabove,youmayhavetopayalatefeeofupto
TotalCreditLine $20,400.00 $39.00andyourAPRsmaybeincreaseduptothePenaltyAPRof 29.99%.
TotalCreditAvailable $0.00 TotalMinimumPaymentWarning:IfyoumakeonlytheTotalMinimum
CashCreditLine $14,280.00 Paymenteachperiod,youwillpaymoreininterestanditwilltakeyou
PortionofCreditAvailable longertopayoffyourbalance.Forexample:
forCash $0.00
Ifyoumakenoadditional You will payoff the And you will end up
StatementClosingDate 06/17/2020 chargesusingthiscard balance shown on this paying an estimated
DaysinBillingCycle 31 andeachmonthyoupay statement in about total of
AUTOPAYACTIVE-Yourpaymentof $516.00willbe
automaticallydeductedonJuly14,2020. Only the Total 31years $55,893.00
Minimum Payment
Ifyouwouldlikeinformationaboutcreditcounselingservices,call
866.300.5238.
4285
BANKOFAMERICA AccountNumber:4285
P.O.BOX851001
DALLASTX75285-1001
NewBalanceTotal $21,409.80
TotalMinimumPaymentDue $2,034.00
PaymentDueDateAutoPayActive07/14/2020
ASIFMALIK Enterpaymentamount $ .
1367PORTAROSALN
LEAGUECITYTX77573-2369
Forchangeofaddress/phonenumber,seereverseside.
Makeyourpaymentonlineatwww.bankofamerica.comor
Mailthiscouponalongwithyourcheckpayableto:BankofAmerica
4285C
ASIFMALIK !Account#4285!May18-June17,2020
004-000-000-G
IMPORTANTINFORMATIONABOUTTHISACCOUNT
PAYINGINTEREST-WewillnotchargeinterestonPurchasesonthenext CALCULATIONOFBALANCESSUBJECTTOINTERESTRATE
statementifyoupaytheNewBalanceTotalinfullbythePaymentDueDate, AverageDailyBalanceMethod(includingnewPurchases):Wecalculate
andyouhadpaidinfullbythepreviousPaymentDueDate.Wewillbegin separateBalancesSubjecttoanInterestRateforPurchasesandforeach
charginginterestonBalanceTransfersandCashAdvancesonthetransaction IntroductoryorPromotionalOfferbalanceconsistingofPurchases.Wedothis
date. by:(1)calculatingadailybalanceforeachdayinthebillingcycle;(2)addingall
TOTALINTERESTCHARGECOMPUTATION-InterestChargesaccrueand thedailybalancestogether;and(3)dividingthesumofthedailybalancesby
arecompoundedonadailybasis.TodeterminetheInterestCharges,we thenumberofdaysinthebillingcycle.
multiplyeachBalanceSubjecttoInterestRatebyitsapplicableDailyPeriodic Tocalculatethedailybalanceforeachdayinthisstatement'sbillingcycle,we:
Rateandthatresultismultipliedbythenumberofdaysinthebillingcycle.To (1)takethebeginningbalance;(2)addanamountequaltotheapplicableDaily
determinethetotalInterestChargeforthebillingcycle,weaddthePeriodic PeriodicRatemultipliedbythepreviousday'sdailybalance;(3)addnew
RateInterestChargestogether.ADailyPeriodicRateiscalculatedbydividing Purchases,newAccountFees,andnewTransactionFees;and(4)subtract
anAnnualPercentageRateby365. applicablepaymentsandcredits.Ifanydailybalanceislessthanzerowetreat
HOWWEALLOCATEYOURPAYMENTS-Paymentsareallocatedto itaszero.
postedbalances.IfyouraccounthasbalanceswithdifferentAPRs,wewill AverageBalanceMethod(includingnewBalanceTransfersandnewCash
allocatetheamountofyourpaymentequaltotheTotalMinimumPaymentDue Advances):WecalculateseparateBalancesSubjecttoanInterestRatefor
tothelowestAPRbalancesfirst(includingtransactionsmadeafterthis BalanceTransfers,CashAdvances,andforeachIntroductoryorPromotional
statement).PaymentamountsinexcessofyourTotalMinimumPaymentDue OfferbalanceconsistingofBalanceTransfersorCashAdvances.Wedothisby:
willbeappliedtobalanceswithhigherAPRsbeforebalanceswithlowerAPRs. (1)calculatingadailybalanceforeachdayinthisstatement'sbillingcycle;(2)
IMPORTANTINFORMATIONABOUTPAYMENTSBYPHONE-When calculatingadailybalanceforeachdaypriortothisstatement'sbillingcycle
usingtheoptionalPay-by-Phoneservice,youauthorizeustoinitiatean thathada"Pre-Cyclebalance"-aPre-CyclebalanceisaBalanceTransferora
electronicpaymentfromyouraccountatthefinancialinstitutionyoudesignate. CashAdvancewithatransactiondatepriortothisstatement'sbillingcyclebut
Youmustauthorizetheamountandtimingofeachpayment.Foryour withapostingdatewithinthisstatement'sbillingcycle;(3)addingallthedaily
protection,wewillaskforsecurityinformation.Afeemayapplyforexpedited balancestogether;and(4)dividingthesumofthedailybalancesbythenumber
service.Tocancel,callusbeforethescheduledpaymentdate.Same-day ofdaysinthisstatement'sbillingcycle.
paymentscannotbeeditedorcanceled. Tocalculatethedailybalanceforeachdayinthisstatement'sbillingcycle,we:
YOURCREDITLINES-TheTotalCreditLineistheamountofcredit (1)takethebeginningbalance;(2)addanamountequaltotheapplicableDaily
availablefortheaccount;however,onlyaportionofthatisavailableforBank PeriodicRatemultipliedbythepreviousday'sdailybalance;(3)addnew
CashAdvances.TheCashCreditLineisthatamountyouhaveavailablefor BalanceTransfers,newCashAdvancesandTransactionFees;and(4)subtract
BankCashAdvances.Generally,BankCashAdvancesconsistofATMCash applicablepaymentsandcredits.Ifanydailybalanceislessthanzerowetreat
Advances,OvertheCounter(OTC)CashAdvances,Same-DayOnlineCash itaszero.
Advances,OverdraftProtectionCashAdvances,CashEquivalents,and Tocalculateadailybalanceforeachdaypriortothisstatement'sbillingcycle
applicabletransactionfees. thathadaPre-Cyclebalance:(1)wetakethebeginningbalanceattributable
MISCELLANEOUS-PromotionalRateEndDate:Thisdateisbasedona solelytoPre-Cyclebalance(whichwillbezeroonthetransactiondateofthe
futurestatementclosingdate.Ifyouchangeyourpaymentduedate,thisdate firstPre-Cyclebalance);(2)addanamountequaltotheapplicableDaily
couldchange.TheNewBalanceTotalwhichappearsonthisstatementisnota PeriodicRatemultipliedbythepreviousday'sdailybalance;(3)andaddonly
payoffamountandmaybesubjecttoadditionalinterestchargeswhenyoupay theapplicablePre-CyclebalancesandtheirrelatedTransactionFees.We
infullafteryourstatementclosingdate.Pleasecontactthecustomerservice excludefromthiscalculationalltransactionspostedinpreviousbillingcycles.
numberlocatedonthefrontofthisstatementforapay-offamount.Virtual
cardsarethedigitalformofyoureligiblephysicalcreditcardsstoredwithina
digitalwallet. Forthecompletetermsandconditionsofyouraccount,consultyourCredit
CardAgreement.ThisaccountisissuedandadministeredbyBankofAmerica.
2020BankofAmericaCorporation BankofAmericaisaregisteredtrademarkofBankofAmericaCorporation.
PAYMENTS-Wecreditmailedpaymentsasofthedatereceived,ifthepaymentis:(1)receivedby5p.m.localtimeattheaddressshownontheremittanceportionofyour
monthlystatement;(2)paidwithacheckdrawninU.S.dollarsonaU.S.financialinstitutionoraU.S.dollarmoneyorder;and(3)sentinthereturnenvelopewithonlytheremittance
portionofyourstatementaccompanyingit.Paymentsreceivedbymailafter5p.m.localtimeattheremittanceaddressonanydayincludingthePaymentDueDate,butthatotherwise
meettheaboverequirements,willbecreditedasofthenextday.Paymentsmadeonlineorbyphonewillbecreditedasofthedateofreceiptifmadeby5p.m.Central.Creditforany
otherpaymentsmaybedelayeduptofivedays.CashpaymentsmadewithourtellersorATMwithTellerAssist(ATA)willonlybeacceptedwithavalididentification(ID).
NopaymentshalloperateasanaccordandsatisfactionwithoutthepriorwrittenapprovalofoneofourSeniorOfficers.
Weprocessmostpaymentcheckselectronicallybyusingtheinformationfoundonyourcheck.Eachcheckauthorizesustocreateaone-timeelectronicfundstransfer(orprocessitasa
checkorpaperdraft).Fundsmaybewithdrawnfromyouraccountassoonasthesamedaywereceiveyourpayment.Checksarenotreturnedtoyou.
Ifyouhaveauthorizedustopayyourcreditcardbillautomaticallyfromyoursavingsorcheckingaccountwithus,youcanstopthepaymentonanyamountyouthinkiswrong.Tostop
payment,yourlettermustreachusatleastthreebusinessdaysbeforetheautomaticpaymentisscheduledtooccur.
ChangeofAddress/Phonenumber:Onlineatwww.bankofamerica.com
Pleasedonotaddanywrittencommunicationinthisspace.
AB
ASIFMALIK !Account#4285!May18-June17,2020
Transactions
Transaction Posting Reference Account
Date Date Description Number Number Amount Total
PaymentsandOtherCredits
06/13 06/13 PAYMENTDIRECTDEBIT-THANKYOU 4285 -520.00
TOTALPAYMENTSANDOTHERCREDITSFORTHISPERIOD -$520.00
PurchasesandAdjustments
05/14 05/19 RETURNEDPAYMENTUNPAID 1126 4285 500.00
06/13 06/17 RETURNEDPAYMENTUNPAID 1121 4285 520.00
TOTALPURCHASESANDADJUSTMENTSFORTHISPERIOD $1,020.00
Fees
05/19 05/19 RETURNEDCHECKFEE 1126 4285 28.00
TOTALFEESFORTHISPERIOD $28.00
InterestCharged
06/17 06/17 INTERESTCHARGEDONPURCHASES 42.10
06/17 06/17 INTERESTCHARGEDONBALANCETRANSFERS 37.12
06/17 06/17 INTERESTCHARGEDONDIRDEP&CHKCASHADV 208.34
06/17 06/17 INTERESTCHARGEDONBANKCASHADVANCES 18.13
TOTALINTERESTCHARGEDFORTHISPERIOD $305.69
2020TotalsYear-to-Date
Totalfeeschargedin2020 $108.00
Totalinterestchargedin2020 $1,791.84
InterestChargeCalculation
Your AnnualPercentageRate(APR)istheannualinterestrateonyouraccount.
Typeof Annual Promotional Promotional Promotional Balance Interest
Balance Percentage Transaction OfferID RateEnd Subjectto Chargesby
Rate Type Date Interest Transaction
Rate Type
Purchases 12.24%V $ 4,049.40 $ 42.10
BalanceTransfers 12.24%V $ 3,571.17 $ 37.12
DirectDepositandCheckCash 19.24%V $ 12,749.76 $ 208.34
Advances
BankCashAdvances 24.24%V $ 880.39 $ 18.13
APRTypeDefinitions DailyInterestRateType:V=VariableRate(ratemayvary)
Page3of4
ASIFMALIK !Account#4285!May18-June17,2020
ImportantMessages
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Filed: 5/12/2021 1:50 PM JOHN D. KINARD - District Clerk Galveston County, Texas Envelope No. 53370649 By: Shailja Dixit 21-CV-0630 5/12/2021 2:21 PM CAUSE NO. Bank of America, N.A. § IN THE DISTRICT COURT Plaintiff, § § Galveston County - 405th District Court vs. § ____ JUDICIAL DISTRICT § ASIF MALIK § Defendant. § OF GALVESTON COUNTY, TEXAS PLAINTIFF'S ORIGINAL PETITION TO THE HONORABLE JUDGE OF SAID COURT: COMES NOW Bank of America, N.A. ("Plaintiff"). a national banking association, and for cause of action against Defendant Asif Malik, would show unto the Court as follows: Discovery Control Plan 1. Discovery is to be conducted under Level 1 of Rule 190 of the Texas Rules of Civil Procedure. 2. Plaintiff seeks only monetary relief of $250,000 or less, excluding interest, statutory or punitive damages and penalties, and attorney fees and costs. Nature of Case 3. Plaintiff seeks a recovery for damages arising from Defendant Asif Malik's breach of a credit account agreement entered into by the Defendant, which Defendant used or authorized to be used and for which Defendant became obligated to repay. Plaintiff sues herein for suit on debt/account stated and for breach of contract. Plaintiff seeks a money judgment against the Defendant. Parties 4. Plaintiff, Bank of America, N.A., is a national banking association organized and existing under the laws of the United States of America and having its principal place of business in Charlotte, North Carolina. 5. Defendant Asif Malik is an adult individual upon whom service of citation may be had at Defendant's residence which is located at 1367 Porta Rosa Ln, League City, TX 77573. Plaintiff's Original Petition - Asif Malik (S&A 1865179) Page 1 Status Conference - 08/12/2021 S&A Form TempFile.wpd Venue 6. Venue is proper in Galveston County pursuant to Section 15.002(a)(2) of the Texas Civil Practice and Remedies Code because it is the county of residence for one or more of the defendants at the time the cause of action accrued. Facts 7. Plaintiff is a national banking association with its principal place of business in Charlotte, North Carolina. It is a subsidiary of Bank of America Corporation and is the successor-in- interest to FIA Card Services, N.A. ("FIA"), formerly known as MBNA America Bank, N.A. FIA was merged into and under the charter and title of Plaintiff effective October 1, 2014. 8. In the usual course of business, Bank of America, N.A. advanced dollar amounts on a credit account, account number XXXXXXXXXXXX4285, which Defendant used or authorized to be used for the purchases of goods, merchandise, services or for cash advances and for which Defendant became bound to repay Bank of America, N.A. for all amounts thereby advanced (hereinafter, the "Account"). 9. The Defendant ceased making the required payments on the Account, thereby creating a default. 10. Ultimately the Account was charged-off on October 31, 2020. As of the filing of this lawsuit, there remained an unpaid balance of $22,778.18. This amount represents the charge-off balance of the account, less any post-charge-off payments. Plaintiff does not seek, and has not accrued, post-charge-off interest on the account. 11. Plaintiff is the true party in interest to the Contract in that it is an original party to the Contract or legally affiliated with the original party to the Contract. 12. On or about March 9, 2021, Plaintiff sent a letter to Defendant demanding payment in full of the Account (the "Demand Letter"); however, despite delivery of the Demand Letter, the Account has not been paid. 13. There continues to be owed by Defendant to Plaintiff an unpaid balance of Plaintiff's Original Petition - Asif Malik (S&A 1865179) Page 2 $22,778.18. COUNT I - Suit on Debt / Account Stated 14. Paragraphs 1 through 13 are incorporated by reference. 15. Plaintiff is the owner and beneficiary of all claims related to the Account. In accordance with federal regulations, Bank of America, N.A. sent monthly periodic statements for the Account to the Defendant. Based upon Plaintiff's records, there are no unresolved billing disputes related to the Account and the amount that is due and owing on the Account is $22,778.18; said amount being just and true after all lawful offsets, payments and credits have been allowed. 16. Plaintiff is entitled to recover on the Account because (i) transactions between Plaintiff and the Defendant gave rise to an indebtedness, (ii) there existed an agreement between the Plaintiff and the Defendant which established the amount that was due to Plaintiff, and (iii) the Defendant promised to pay Plaintiff on the debt which was incurred, but failed to do so. 17. Plaintiff has presented its claim to Defendant for payment, but Defendant has failed and refused to pay the amount owed. COUNT II - Breach of Contract 18. Paragraphs 1 through 17 are incorporated by reference. 19. Plaintiff is the owner and beneficiary of all rights under the Account opened by the Defendant with Plaintiff. Defendant has breached the agreement between the parties by failing to pay all amounts due and owing on the Account in accordance with the terms of the agreement. 20. $22,778.18 remains due and owing on the Account. 21. Plaintiff has presented its claim to Defendant for payment, but Defendant has failed and refused to pay the amount owed. Waiver of Attorneys Fees 22. Plaintiff expressly waives its right, if any, to recover its attorneys fees in this matter. Plaintiff's Original Petition - Asif Malik (S&A 1865179) Page 3 Conditions Precedent 23. All conditions precedent to Plaintiff's right of recovery have been fulfilled. [Continued on Next Page] Plaintiff's Original Petition - Asif Malik (S&A 1865179) Page 4 Prayer WHEREFORE, Plaintiff Bank of America, N.A. prays that Defendant Asif Malik be cited to appear and answer herein, that this Court set this matter for hearing, and that upon final hearing hereof, Plaintiff have judgment against the Defendant as set forth herein: a. Damages in the amount of $22,778.18, b. Cost of Court, and c. For such other relief to which Plaintiff may show itself entitled. Respectfully submitted, SCOTT & ASSOCIATES, P.C., Digitally signed by Matthew W. Cooper /s/ Matthew W. Cooper DN: o=MJSPC, ou=Legal, uid=131475610 Date: 4/16/2021 8:52:15 PM Matthew W. Cooper SBN 24097529 P. O. Box 115220 Carrollton, Texas 75011 Telephone: (214) 234-8456 Facsimile: (214) 234-8454 Courts@scott-pc.com ATTORNEYS FOR PLAINTIFF S&A 1865179 CustomerServiceInformation: www.bankofamerica.com 1.800.421.2110 TTY:1.800.346.3178 P.O. BOX 1 5284 Mailbillinginquiriesto: WILMINGTON, DE 1 9850 BankofAmerica P.O.Box982234 ElPasoTX79998-2234 Mailpaymentto: BankofAmerica P.O.Box851001 DallasTX75285-1001 ASIFMALIK 1367PORTAROSALN LEAGUECITYTX77573-2369 September18-October17,2020 Account 4285 AccountSummary PaymentInformation PreviousBalance $22,463.01 NewBalanceTotal $22,778.18 PaymentsandOtherCredits $0.00 CurrentPaymentDue $539.00 PurchasesandAdjustments $0.00 PastDueAmount $3,738.00 FeesCharged $0.00 InterestCharged $315.17 TotalMinimumPaymentDue $4,277.00 PaymentDueDate 11/14/2020 NewBalanceTotal $22,778.18 LatePaymentWarning:IfwedonotreceiveyourTotalMinimum Paymentbythedatelistedabove,youmayhavetopayalatefeeofupto TotalCreditLine $20,400.00 $39.00andyourAPRsmaybeincreaseduptothePenaltyAPRof 29.99%. TotalCreditAvailable $0.00 TotalMinimumPaymentWarning:IfyoumakeonlytheTotalMinimum CashCreditLine $14,280.00 Paymenteachperiod,youwillpaymoreininterestanditwilltakeyou PortionofCreditAvailable longertopayoffyourbalance.Forexample: forCash $0.00 Ifyoumakenoadditional You will payoff the And you will end up StatementClosingDate 10/17/2020 chargesusingthiscard balance shown on this paying an estimated DaysinBillingCycle 30 andeachmonthyoupay statement in about total of Only the Total 31years $55,927.00 Minimum Payment Ifyouwouldlikeinformationaboutcreditcounselingservices,call 866.300.5238. 4285 BANKOFAMERICA AccountNumber:4285 P.O.BOX851001 DALLASTX75285-1001 NewBalanceTotal $22,778.18 TotalMinimumPaymentDue $4,277.00 PaymentDueDate 11/14/2020 ASIFMALIK Enterpaymentamount $ . 1367PORTAROSALN LEAGUECITYTX77573-2369 Forchangeofaddress/phonenumber,seereverseside. Makeyourpaymentonlineatwww.bankofamerica.comor Mailthiscouponalongwithyourcheckpayableto:BankofAmerica 4285C ASIFMALIK !Account#4285!September18-October17,2020 004-000-000-G IMPORTANTINFORMATIONABOUTTHISACCOUNT PAYINGINTEREST-WewillnotchargeinterestonPurchasesonthenext CALCULATIONOFBALANCESSUBJECTTOINTERESTRATE statementifyoupaytheNewBalanceTotalinfullbythePaymentDueDate, AverageDailyBalanceMethod(includingnewPurchases):Wecalculate andyouhadpaidinfullbythepreviousPaymentDueDate.Wewillbegin separateBalancesSubjecttoanInterestRateforPurchasesandforeach charginginterestonBalanceTransfersandCashAdvancesonthetransaction IntroductoryorPromotionalOfferbalanceconsistingofPurchases.Wedothis date. by:(1)calculatingadailybalanceforeachdayinthebillingcycle;(2)addingall TOTALINTERESTCHARGECOMPUTATION-InterestChargesaccrueand thedailybalancestogether;and(3)dividingthesumofthedailybalancesby arecompoundedonadailybasis.TodeterminetheInterestCharges,we thenumberofdaysinthebillingcycle. multiplyeachBalanceSubjecttoInterestRatebyitsapplicableDailyPeriodic Tocalculatethedailybalanceforeachdayinthisstatement'sbillingcycle,we: Rateandthatresultismultipliedbythenumberofdaysinthebillingcycle.To (1)takethebeginningbalance;(2)addanamountequaltotheapplicableDaily determinethetotalInterestChargeforthebillingcycle,weaddthePeriodic PeriodicRatemultipliedbythepreviousday'sdailybalance;(3)addnew RateInterestChargestogether.ADailyPeriodicRateiscalculatedbydividing Purchases,newAccountFees,andnewTransactionFees;and(4)subtract anAnnualPercentageRateby365. applicablepaymentsandcredits.Ifanydailybalanceislessthanzerowetreat HOWWEALLOCATEYOURPAYMENTS-Paymentsareallocatedto itaszero. postedbalances.IfyouraccounthasbalanceswithdifferentAPRs,wewill AverageBalanceMethod(includingnewBalanceTransfersandnewCash allocatetheamountofyourpaymentequaltotheTotalMinimumPaymentDue Advances):WecalculateseparateBalancesSubjecttoanInterestRatefor tothelowestAPRbalancesfirst(includingtransactionsmadeafterthis BalanceTransfers,CashAdvances,andforeachIntroductoryorPromotional statement).PaymentamountsinexcessofyourTotalMinimumPaymentDue OfferbalanceconsistingofBalanceTransfersorCashAdvances.Wedothisby: willbeappliedtobalanceswithhigherAPRsbeforebalanceswithlowerAPRs. (1)calculatingadailybalanceforeachdayinthisstatement'sbillingcycle;(2) IMPORTANTINFORMATIONABOUTPAYMENTSBYPHONE-When calculatingadailybalanceforeachdaypriortothisstatement'sbillingcycle usingtheoptionalPay-by-Phoneservice,youauthorizeustoinitiatean thathada"Pre-Cyclebalance"-aPre-CyclebalanceisaBalanceTransferora electronicpaymentfromyouraccountatthefinancialinstitutionyoudesignate. CashAdvancewithatransactiondatepriortothisstatement'sbillingcyclebut Youmustauthorizetheamountandtimingofeachpayment.Foryour withapostingdatewithinthisstatement'sbillingcycle;(3)addingallthedaily protection,wewillaskforsecurityinformation.Afeemayapplyforexpedited balancestogether;and(4)dividingthesumofthedailybalancesbythenumber service.Tocancel,callusbeforethescheduledpaymentdate.Same-day ofdaysinthisstatement'sbillingcycle. paymentscannotbeeditedorcanceled. Tocalculatethedailybalanceforeachdayinthisstatement'sbillingcycle,we: YOURCREDITLINES-TheTotalCreditLineistheamountofcredit (1)takethebeginningbalance;(2)addanamountequaltotheapplicableDaily availablefortheaccount;however,onlyaportionofthatisavailableforBank PeriodicRatemultipliedbythepreviousday'sdailybalance;(3)addnew CashAdvances.TheCashCreditLineisthatamountyouhaveavailablefor BalanceTransfers,newCashAdvancesandTransactionFees;and(4)subtract BankCashAdvances.Generally,BankCashAdvancesconsistofATMCash applicablepaymentsandcredits.Ifanydailybalanceislessthanzerowetreat Advances,OvertheCounter(OTC)CashAdvances,Same-DayOnlineCash itaszero. Advances,OverdraftProtectionCashAdvances,CashEquivalents,and Tocalculateadailybalanceforeachdaypriortothisstatement'sbillingcycle applicabletransactionfees. thathadaPre-Cyclebalance:(1)wetakethebeginningbalanceattributable MISCELLANEOUS-PromotionalRateEndDate:Thisdateisbasedona solelytoPre-Cyclebalance(whichwillbezeroonthetransactiondateofthe futurestatementclosingdate.Ifyouchangeyourpaymentduedate,thisdate firstPre-Cyclebalance);(2)addanamountequaltotheapplicableDaily couldchange.TheNewBalanceTotalwhichappearsonthisstatementisnota PeriodicRatemultipliedbythepreviousday'sdailybalance;(3)andaddonly payoffamountandmaybesubjecttoadditionalinterestchargeswhenyoupay theapplicablePre-CyclebalancesandtheirrelatedTransactionFees.We infullafteryourstatementclosingdate.Pleasecontactthecustomerservice excludefromthiscalculationalltransactionspostedinpreviousbillingcycles. numberlocatedonthefrontofthisstatementforapay-offamount.Virtual cardsarethedigitalformofyoureligiblephysicalcreditcardsstoredwithina digitalwallet. Forthecompletetermsandconditionsofyouraccount,consultyourCredit CardAgreement.ThisaccountisissuedandadministeredbyBankofAmerica. 2020BankofAmericaCorporation BankofAmericaisaregisteredtrademarkofBankofAmericaCorporation. PAYMENTS-Wecreditmailedpaymentsasofthedatereceived,ifthepaymentis:(1)receivedby5p.m.localtimeattheaddressshownontheremittanceportionofyour monthlystatement;(2)paidwithacheckdrawninU.S.dollarsonaU.S.financialinstitutionoraU.S.dollarmoneyorder;and(3)sentinthereturnenvelopewithonlytheremittance portionofyourstatementaccompanyingit.Paymentsreceivedbymailafter5p.m.localtimeattheremittanceaddressonanydayincludingthePaymentDueDate,butthatotherwise meettheaboverequirements,willbecreditedasofthenextday.Paymentsmadeonlineorbyphonewillbecreditedasofthedateofreceiptifmadeby5p.m.Central.Creditforany otherpaymentsmaybedelayeduptofivedays.Cashpaymentsmadewithourtellerswillonlybeacceptedwithavalididentification(ID). NopaymentshalloperateasanaccordandsatisfactionwithoutthepriorwrittenapprovalofoneofourSeniorOfficers. Weprocessmostpaymentcheckselectronicallybyusingtheinformationfoundonyourcheck.Eachcheckauthorizesustocreateaone-timeelectronicfundstransfer(orprocessitasa checkorpaperdraft).Fundsmaybewithdrawnfromyouraccountassoonasthesamedaywereceiveyourpayment.Checksarenotreturnedtoyou. Ifyouhaveauthorizedustopayyourcreditcardbillautomaticallyfromyoursavingsorcheckingaccountwithus,youcanstopthepaymentonanyamountyouthinkiswrong.Tostop payment,yourlettermustreachusatleastthreebusinessdaysbeforetheautomaticpaymentisscheduledtooccur. ChangeofAddress/Phonenumber:Onlineatwww.bankofamerica.com Pleasedonotaddanywrittencommunicationinthisspace. AB ASIFMALIK !Account#4285!September18-October17,2020 Transactions Transaction Posting Reference Account Date Date Description Number Number Amount Total InterestCharged 10/17 10/17 INTERESTCHARGEDONPURCHASES 43.65 10/17 10/17 INTERESTCHARGEDONBALANCETRANSFERS 37.43 10/17 10/17 INTERESTCHARGEDONDIRDEP&CHKCASHADV 215.06 10/17 10/17 INTERESTCHARGEDONBANKCASHADVANCES 19.03 TOTALINTERESTCHARGEDFORTHISPERIOD $315.17 2020TotalsYear-to-Date Totalfeeschargedin2020 $225.00 Totalinterestchargedin2020 $3,043.22 InterestChargeCalculation Your AnnualPercentageRate(APR)istheannualinterestrateonyouraccount. Typeof Annual Promotional Promotional Promotional Balance Interest Balance Percentage Transaction OfferID RateEnd Subjectto Chargesby Rate Type Date Interest Transaction Rate Type Purchases 12.24%V $ 4,339.11 $ 43.65 BalanceTransfers 12.24%V $ 3,720.91 $ 37.43 DirectDepositandCheckCash 19.24%V $ 13,599.99 $ 215.06 Advances BankCashAdvances 24.24%V $ 954.99 $ 19.03 APRTypeDefinitions DailyInterestRateType:V=VariableRate(ratemayvary) ImportantMessages You're a valued customer and we want you to know that we haven't received your current payment due. Please send your payment due today. If you've already mailed it, thank you. Your statement balance exceeds the Total Credit Line. To ensure uninterrupted use of your account, please make a payment to bring your balance under the Total Credit Line. There is no fee for being over your Total Credit Line. When this statement was created, the account's Credit Line was in a restricted status and not available for use. Page3of4 ASIFMALIK !Account#4285!September18-October17,2020 YourRewardSummary .00 BaseCashBackEarned Makethemostofyour .00 TotalCashBackAvailable rewardsprogramtoday! Page4of4 CustomerServiceInformation: www.bankofamerica.com 1.800.421.2110 TTY:1.800.346.3178 P.O. BOX 1 5284 Mailbillinginquiriesto: WILMINGTON, DE 1 9850 BankofAmerica P.O.Box982234 ElPasoTX79998-2234 Mailpaymentto: BankofAmerica P.O.Box851001 DallasTX75285-1001 ASIFMALIK 1367PORTAROSALN LEAGUECITYTX77573-2369 May18-June17,2020 Account# 4285 AccountSummary PaymentInformation PreviousBalance $20,576.11 NewBalanceTotal $21,409.80 PaymentsandOtherCredits -$520.00 CurrentPaymentDue $516.00 PurchasesandAdjustments $1,020.00 PastDueAmount $1,518.00 FeesCharged $28.00 InterestCharged $305.69 TotalMinimumPaymentDue $2,034.00 PaymentDueDate 07/14/2020 NewBalanceTotal $21,409.80 LatePaymentWarning:IfwedonotreceiveyourTotalMinimum Paymentbythedatelistedabove,youmayhavetopayalatefeeofupto TotalCreditLine $20,400.00 $39.00andyourAPRsmaybeincreaseduptothePenaltyAPRof 29.99%. TotalCreditAvailable $0.00 TotalMinimumPaymentWarning:IfyoumakeonlytheTotalMinimum CashCreditLine $14,280.00 Paymenteachperiod,youwillpaymoreininterestanditwilltakeyou PortionofCreditAvailable longertopayoffyourbalance.Forexample: forCash $0.00 Ifyoumakenoadditional You will payoff the And you will end up StatementClosingDate 06/17/2020 chargesusingthiscard balance shown on this paying an estimated DaysinBillingCycle 31 andeachmonthyoupay statement in about total of AUTOPAYACTIVE-Yourpaymentof $516.00willbe automaticallydeductedonJuly14,2020. Only the Total 31years $55,893.00 Minimum Payment Ifyouwouldlikeinformationaboutcreditcounselingservices,call 866.300.5238. 4285 BANKOFAMERICA AccountNumber:4285 P.O.BOX851001 DALLASTX75285-1001 NewBalanceTotal $21,409.80 TotalMinimumPaymentDue $2,034.00 PaymentDueDateAutoPayActive07/14/2020 ASIFMALIK Enterpaymentamount $ . 1367PORTAROSALN LEAGUECITYTX77573-2369 Forchangeofaddress/phonenumber,seereverseside. Makeyourpaymentonlineatwww.bankofamerica.comor Mailthiscouponalongwithyourcheckpayableto:BankofAmerica 4285C ASIFMALIK !Account#4285!May18-June17,2020 004-000-000-G IMPORTANTINFORMATIONABOUTTHISACCOUNT PAYINGINTEREST-WewillnotchargeinterestonPurchasesonthenext CALCULATIONOFBALANCESSUBJECTTOINTERESTRATE statementifyoupaytheNewBalanceTotalinfullbythePaymentDueDate, AverageDailyBalanceMethod(includingnewPurchases):Wecalculate andyouhadpaidinfullbythepreviousPaymentDueDate.Wewillbegin separateBalancesSubjecttoanInterestRateforPurchasesandforeach charginginterestonBalanceTransfersandCashAdvancesonthetransaction IntroductoryorPromotionalOfferbalanceconsistingofPurchases.Wedothis date. by:(1)calculatingadailybalanceforeachdayinthebillingcycle;(2)addingall TOTALINTERESTCHARGECOMPUTATION-InterestChargesaccrueand thedailybalancestogether;and(3)dividingthesumofthedailybalancesby arecompoundedonadailybasis.TodeterminetheInterestCharges,we thenumberofdaysinthebillingcycle. multiplyeachBalanceSubjecttoInterestRatebyitsapplicableDailyPeriodic Tocalculatethedailybalanceforeachdayinthisstatement'sbillingcycle,we: Rateandthatresultismultipliedbythenumberofdaysinthebillingcycle.To (1)takethebeginningbalance;(2)addanamountequaltotheapplicableDaily determinethetotalInterestChargeforthebillingcycle,weaddthePeriodic PeriodicRatemultipliedbythepreviousday'sdailybalance;(3)addnew RateInterestChargestogether.ADailyPeriodicRateiscalculatedbydividing Purchases,newAccountFees,andnewTransactionFees;and(4)subtract anAnnualPercentageRateby365. applicablepaymentsandcredits.Ifanydailybalanceislessthanzerowetreat HOWWEALLOCATEYOURPAYMENTS-Paymentsareallocatedto itaszero. postedbalances.IfyouraccounthasbalanceswithdifferentAPRs,wewill AverageBalanceMethod(includingnewBalanceTransfersandnewCash allocatetheamountofyourpaymentequaltotheTotalMinimumPaymentDue Advances):WecalculateseparateBalancesSubjecttoanInterestRatefor tothelowestAPRbalancesfirst(includingtransactionsmadeafterthis BalanceTransfers,CashAdvances,andforeachIntroductoryorPromotional statement).PaymentamountsinexcessofyourTotalMinimumPaymentDue OfferbalanceconsistingofBalanceTransfersorCashAdvances.Wedothisby: willbeappliedtobalanceswithhigherAPRsbeforebalanceswithlowerAPRs. (1)calculatingadailybalanceforeachdayinthisstatement'sbillingcycle;(2) IMPORTANTINFORMATIONABOUTPAYMENTSBYPHONE-When calculatingadailybalanceforeachdaypriortothisstatement'sbillingcycle usingtheoptionalPay-by-Phoneservice,youauthorizeustoinitiatean thathada"Pre-Cyclebalance"-aPre-CyclebalanceisaBalanceTransferora electronicpaymentfromyouraccountatthefinancialinstitutionyoudesignate. CashAdvancewithatransactiondatepriortothisstatement'sbillingcyclebut Youmustauthorizetheamountandtimingofeachpayment.Foryour withapostingdatewithinthisstatement'sbillingcycle;(3)addingallthedaily protection,wewillaskforsecurityinformation.Afeemayapplyforexpedited balancestogether;and(4)dividingthesumofthedailybalancesbythenumber service.Tocancel,callusbeforethescheduledpaymentdate.Same-day ofdaysinthisstatement'sbillingcycle. paymentscannotbeeditedorcanceled. Tocalculatethedailybalanceforeachdayinthisstatement'sbillingcycle,we: YOURCREDITLINES-TheTotalCreditLineistheamountofcredit (1)takethebeginningbalance;(2)addanamountequaltotheapplicableDaily availablefortheaccount;however,onlyaportionofthatisavailableforBank PeriodicRatemultipliedbythepreviousday'sdailybalance;(3)addnew CashAdvances.TheCashCreditLineisthatamountyouhaveavailablefor BalanceTransfers,newCashAdvancesandTransactionFees;and(4)subtract BankCashAdvances.Generally,BankCashAdvancesconsistofATMCash applicablepaymentsandcredits.Ifanydailybalanceislessthanzerowetreat Advances,OvertheCounter(OTC)CashAdvances,Same-DayOnlineCash itaszero. Advances,OverdraftProtectionCashAdvances,CashEquivalents,and Tocalculateadailybalanceforeachdaypriortothisstatement'sbillingcycle applicabletransactionfees. thathadaPre-Cyclebalance:(1)wetakethebeginningbalanceattributable MISCELLANEOUS-PromotionalRateEndDate:Thisdateisbasedona solelytoPre-Cyclebalance(whichwillbezeroonthetransactiondateofthe futurestatementclosingdate.Ifyouchangeyourpaymentduedate,thisdate firstPre-Cyclebalance);(2)addanamountequaltotheapplicableDaily couldchange.TheNewBalanceTotalwhichappearsonthisstatementisnota PeriodicRatemultipliedbythepreviousday'sdailybalance;(3)andaddonly payoffamountandmaybesubjecttoadditionalinterestchargeswhenyoupay theapplicablePre-CyclebalancesandtheirrelatedTransactionFees.We infullafteryourstatementclosingdate.Pleasecontactthecustomerservice excludefromthiscalculationalltransactionspostedinpreviousbillingcycles. numberlocatedonthefrontofthisstatementforapay-offamount.Virtual cardsarethedigitalformofyoureligiblephysicalcreditcardsstoredwithina digitalwallet. Forthecompletetermsandconditionsofyouraccount,consultyourCredit CardAgreement.ThisaccountisissuedandadministeredbyBankofAmerica. 2020BankofAmericaCorporation BankofAmericaisaregisteredtrademarkofBankofAmericaCorporation. PAYMENTS-Wecreditmailedpaymentsasofthedatereceived,ifthepaymentis:(1)receivedby5p.m.localtimeattheaddressshownontheremittanceportionofyour monthlystatement;(2)paidwithacheckdrawninU.S.dollarsonaU.S.financialinstitutionoraU.S.dollarmoneyorder;and(3)sentinthereturnenvelopewithonlytheremittance portionofyourstatementaccompanyingit.Paymentsreceivedbymailafter5p.m.localtimeattheremittanceaddressonanydayincludingthePaymentDueDate,butthatotherwise meettheaboverequirements,willbecreditedasofthenextday.Paymentsmadeonlineorbyphonewillbecreditedasofthedateofreceiptifmadeby5p.m.Central.Creditforany otherpaymentsmaybedelayeduptofivedays.CashpaymentsmadewithourtellersorATMwithTellerAssist(ATA)willonlybeacceptedwithavalididentification(ID). NopaymentshalloperateasanaccordandsatisfactionwithoutthepriorwrittenapprovalofoneofourSeniorOfficers. Weprocessmostpaymentcheckselectronicallybyusingtheinformationfoundonyourcheck.Eachcheckauthorizesustocreateaone-timeelectronicfundstransfer(orprocessitasa checkorpaperdraft).Fundsmaybewithdrawnfromyouraccountassoonasthesamedaywereceiveyourpayment.Checksarenotreturnedtoyou. Ifyouhaveauthorizedustopayyourcreditcardbillautomaticallyfromyoursavingsorcheckingaccountwithus,youcanstopthepaymentonanyamountyouthinkiswrong.Tostop payment,yourlettermustreachusatleastthreebusinessdaysbeforetheautomaticpaymentisscheduledtooccur. ChangeofAddress/Phonenumber:Onlineatwww.bankofamerica.com Pleasedonotaddanywrittencommunicationinthisspace. AB ASIFMALIK !Account#4285!May18-June17,2020 Transactions Transaction Posting Reference Account Date Date Description Number Number Amount Total PaymentsandOtherCredits 06/13 06/13 PAYMENTDIRECTDEBIT-THANKYOU 4285 -520.00 TOTALPAYMENTSANDOTHERCREDITSFORTHISPERIOD -$520.00 PurchasesandAdjustments 05/14 05/19 RETURNEDPAYMENTUNPAID 1126 4285 500.00 06/13 06/17 RETURNEDPAYMENTUNPAID 1121 4285 520.00 TOTALPURCHASESANDADJUSTMENTSFORTHISPERIOD $1,020.00 Fees 05/19 05/19 RETURNEDCHECKFEE 1126 4285 28.00 TOTALFEESFORTHISPERIOD $28.00 InterestCharged 06/17 06/17 INTERESTCHARGEDONPURCHASES 42.10 06/17 06/17 INTERESTCHARGEDONBALANCETRANSFERS 37.12 06/17 06/17 INTERESTCHARGEDONDIRDEP&CHKCASHADV 208.34 06/17 06/17 INTERESTCHARGEDONBANKCASHADVANCES 18.13 TOTALINTERESTCHARGEDFORTHISPERIOD $305.69 2020TotalsYear-to-Date Totalfeeschargedin2020 $108.00 Totalinterestchargedin2020 $1,791.84 InterestChargeCalculation Your AnnualPercentageRate(APR)istheannualinterestrateonyouraccount. Typeof Annual Promotional Promotional Promotional Balance Interest Balance Percentage Transaction OfferID RateEnd Subjectto Chargesby Rate Type Date Interest Transaction Rate Type Purchases 12.24%V $ 4,049.40 $ 42.10 BalanceTransfers 12.24%V $ 3,571.17 $ 37.12 DirectDepositandCheckCash 19.24%V $ 12,749.76 $ 208.34 Advances BankCashAdvances 24.24%V $ 880.39 $ 18.13 APRTypeDefinitions DailyInterestRateType:V=VariableRate(ratemayvary) Page3of4 ASIFMALIK !Account#4285!May18-June17,2020 ImportantMessages You're a valued customer and we want you to know that we haven't received your current payment due. Please send your payment due today. If you've already mailed it, thank you. AUTOPAYACTIVE -Yourpaymentof $516.00willbeautomaticallydeductedonJuly14,2020. Your statement balance exceeds the Total Credit Line. To ensure uninterrupted use of your account, please make a payment to bring your balance under the Total Credit Line. There is no fee for being over your Total Credit Line. When this statement was created, the account's Credit Line was in a restricted status and not available for use. You may qualify for a payment deferral for your personal credit card or line of credit accounts, for future due dates on or before August 1 5, 2020. Making a minimum payment during this time will be optional. Interest charges or applicable fees will continue to accrue and be added to your balance. What you need to know If you have already received assistance with your payments through a prior request, assistance will automatically be extended to payment due dates through August 1 5, 2020. To request assistance for the first time, please visit us online at our Client Resource Site at bankofamerica.com/HelpfulResources, through your mobile device, or by calling the number on this statement to request assistance through the automated phone service. You can even specify each personal credit card or line of credit account you would like to enroll in the payment deferral period - now through August 1 5, 2020. By accepting payment deferrals you are representing that you are experiencing financial hardship due to the coronavirus. As a result, you may not be eligible for new credit obligations with Bank of America during the assistance period. If you no longer need assistance, please call us at the phone number that appears on your statement to request the removal of this account from future deferrals. YourRewardSummary Makethemostofyour .00 BaseCashBackEarned 41.10 TotalCashBackAvailable rewardsprogramtoday! Page4of4