Preview
Filing # 195559618 E-Filed 04/05/2024 10:27:06 AM
IN THE COUNTY COURT IN AND FOR
SARASOTA COUNTY, FLORIDA
CASE NO:
BANK OF AMERICA, N.A.
Plaintiff,
vs.
DEBRA L MULLET
Defendant(s)
/
COMPLAINT FOR DAMAGES
COMES NOW the Plaintiff, BANK OF AMERICA, N.A., through its undersigned
counsel and sue(s) the Defendant(s), DEBRA L MULLET and states as follows:
CAUSE OF ACTION - ACCOUNT STATED
1. This is an action for damages that is within the jurisdictional limits of this Court, exclusive of
costs.
2. Venue for this action is proper in this Court because the Defendant is a resident of this
county.
3. Plaintiff 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.
4. Bank of America, N.A. ("BANA") is a wholly-owned subsidiary of Bank of America
Corporation and the successor-in-interest to FIA Card Services, N.A., formerly known as MBNA
America Bank, N.A. ("FIA"). FIA was merged into and under the charter and title of BANA
effective October 1, 2014.
5. Defendant is an adult individual residing in this county.
6. Defendant applied for and received a credit account, which is owned and administered by
Plaintiff (the "Account").
7. Defendant used or authorized the use of the Account for the acquisition of goods, services,
balance transfers or cash advances.
8. Before the institution of this action Plaintiff and Defendant had business transactions between
them.
9. In accordance with federal regulations, monthly periodic statements for the Account have
been provided to the Defendant. Attached hereto and incorporated herein is a copy of the last
periodic statement provided to Defendant prior to charge-off.
10. Based on Plaintiff's records, there are no unresolved billing disputes related to the Account.
Filed 04/05/2024 11:01 AM - Karen E. Rushing, Clerk of the Circuit Court, Sarasota County, FL
11. Defendant failed to make periodic payments and the Account was subsequently charged-off.
The entire balance on the Account is owed to Plaintiff and is presently due and payable in full.
12. The current Account balance is $5,107.66, which includes any applicable payments and
credits. The Account is not accruing post charge-off interest.
13. All conditions precedent to the bringing of this action have occurred.
WHEREFORE, Plaintiff demands judgment in its favor and against Defendant(s),
DEBRA L MULLET in the principal amount due of $5,107.66 plus court costs and other relief to
be determined by the Court.
HAYT, HAYT & LANDAU, P.L.
Attorneys for Plaintiff
7765 S.W. 87 Avenue, e, Suite 101
Miami,
ami, FL 3333173
3317
1733
(305)) 661
661-6660
1-66
6660
60
FBN: 37092
BY:
Dana M. Stern ¥
Attorney Bar No: 0037092
Jason S. Dragutsky ¥
Attorney Bar No: 0757551
DESIGNATION OF EMAIL ADDRESS
eservice@haytfla.com
Please understand that this is an attempt to collect a debt and any information we obtain will be used for
that purpose.
Our File #: 1099129
o>, Customer Service Information:
BANK OF AMERICA a www.bankofamerica.com
1.800.421.2110
Mail billing inquiries to:
P.0. BOX 15284 Bank of America
WILMINGTON, DE 19850 P.O. Box 672050
Dallas TX 75267-2050
Mail payment to:
Bank of America
P.O. Box 851001
Dallas TX 75285-1001
DEBRA L MULLET
1004 MARLIN LAKES CIR APT 215
SARASOTA FL 34232-6909
Visa Signature®
Account? i 1415
October 17 - November 16, 2021
Account Summary Payment Information
Previous Balance $6,990.59 New Balance Total $7,045.66
Payments and Other Credits $0.00 Current Payment Due $124.00
Purchases and Adjustments $0.00 Past Due Amount $1,044.00
Fees argc ed grove Total Minimum Payment Due $1,168.00
6 : Payment Due Date 12/13/2021
New Balance Total $7,045.66 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
Total Credit Line $6,500.00 $39.00 and your APRs may be increased up to the Penalty APR of 29.99%.
Total Credit Available $0.00 Total Minimum Payment Warning: If you make only the Total Minimum
Cash Credit Line $4,600.00 Payment each period, you will pay more in interest and it will take you
Portion of Credit Available longer to pay off your balance. For example:
for ash + Closing Dat $0.00 If you make no additional | You will payoff the And you will end up
D “in Bil Ove ate 16/2021 charges using this card |balance shown on this} paying an estimated
ays In piling Lycle 31 and each month you pay | statement in about total of
Only the Total 18 years $11,000.00
Minimum Payment
If you would like information about credit counseling services, call
866.300.5238.
Lb OO704SEL400116L8000000000000
0 iS 1415
BANK OF AMERICA Account Number: i 1415
P.O. BOX 851001
DALLAS 1% 73285-1001 New Balance Total $7,045.66
Total Minimum Payment Due $1,168.00
Payment Due Date 12/13/2021
DEBRA L MULLET Enter payment amount $
1004 MARLIN LAKES CIR APT 215
SARASOTA FL 34232-6909
For change of address/phone number, see reverse side.
Make your payment online at www. bankofamerica.com or
Mail this coupon along with your check payable to: Bank of America
DEBRAL MULLET | Account # i 1475 | October 17 - November 16, 2021
004 - 000 - 000 -G
IMPORTANT INFORMATION ABOUT THIS ACCOUNT
PAYING INTEREST - We will not charge interest on Purchases on the next CALCULATION OF BALANCES SUBJECT TO INTEREST RATE
statement if you pay the New Balance Total in full by the Payment Due Date, Average Daily Balance Method (including new Purchases): We calculate
and you had paid in full by the previous Payment Due Date. We will begin separate Balances Subject to an Interest Rate for Purchases and for each
charging interest on Balance Transfers and Cash Advances on the transaction Introductory or Promotional Offer balance consisting of Purchases. We do this
date. by: (1) calculating a daily balance for each day in the billing cycle; (2) adding all
TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and the daily balances together; and (3) dividing the sum of the daily balances by
are compounded on a daily basis. To determine the Interest Charges, we the number of days in the billing cycle.
multiply each Balance Subject to Interest Rate by its applicable Daily Periodic To calculate the daily balance for each day in this statement’s billing cycle, we:
Rate and that result is multiplied by the number of days in the billing cycle. To (1) take the beginning balance; (2) add an amount equal to the applicable Daily
determine the total Interest Charge for the billing cycle, we add the Periodic Periodic Rate multiplied by the previous day’s daily balance; (3) add new
Rate Interest Charges together. A Daily Periodic Rate fs calculated by dividing Purchases, new Account Fees, and new Transaction Fees; and (4) subtract
an Annual Percentage Rate by 365. applicable payments and credits. If any daily balance is less than zero we treat
HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to it as zero.
posted balances. If your account has balances with different APRs, we will Average Balance Method (including new Balance Transfers and new Cash
allocate the amount of your payment equal to the Total Minimum Payment Due Advances): We calculate separate Balances Subject to an Interest Rate for
to the lowest APR balances first (including transactions made after this Balance Transfers, Cash Advances, and for each Introductory or Promotional
statement). Payment amounts in excess of your Total Minimum Payment Due Offer balance consisting of Balance Transfers or Cash Advances. We do this by:
will be applied to balances with higher APRs before balances with lower APRs. (1) calculating a daily balance for each day in this statement’s billing cycle; (2)
IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When calculating a daily balance for each day prior to this statement’s billing cycle
using the optional Pay-by-Phone service, you authorize us to initiate an that had a “Pre-Cycle balance” - a Pre-Cycle balance fs a Balance Transfer or a
electronic payment from your account at the financial institution you designate. Cash Advance with a transaction date prior to this statement’s billing cycle but
You must authorize the amount and timing of each payment. For your with a posting date within this statement’s billing cycle; (3) adding all the daily
protection, we will ask for security information. To cancel, call us before the balances together; and (4) dividing the sum of the daily balances by the number
scheduled payment date. Same-day payments cannot be edited or canceled. of days in this statement’s billing cycle.
YOUR CREDIT LINES - The Total Credit Line is the amount of credit To calculate the daily balance for each day in this statement’s billing cycle, we:
available for the account; however, only a portion of that is available for Bank (1) take the beginning balance; (2) add an amount equal to the applicable Daily
Cash Advances. The Cash Credit Line is that amount you have available for Periodic Rate multiplied by the previous day’s daily balance; (3) add new
Bank Cash Advances. Generally, Bank Cash Advances consist of ATM Cash Balance Transfers, new Cash Advances and Transaction Fees; and (4) subtract
Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash applicable payments and credits. If any daily balance is less than zero we treat
Advances, Overdraft Protection Cash Advances, Cash Equivalents, and it as zero.
applicable transaction fees. To calculate a daily balance for each day prior to this statement’s billing cycle
MISCELLANEOUS - Promotional Rate End Date: This date is based on a that had a Pre-Cycle balance: (1) we take the beginning balance attributable
future statement closing date. If you change your payment due date, this date solely to Pre-Cycle balance (which will be zero on the transaction date of the
could change. The New Balance Total which appears on this statement is not a first Pre-Cycle balance); (2) add an amount equal to the applicable Daily
payoff amount and may be subject to additional interest charges when you pay Periodic Rate multiplied by the previous day’s daily balance; (3) and add only
in full after your statement closing date. Please contact the customer service the applicable Pre-Cycle balances and their related Transaction Fees. We
number located on the front of this statement for a pay-off amount. Virtual exclude from this calculation all transactions posted in previous billing cycles.
cards are the digital form of your eligible physical credit cards stored within a
digital wallet.
For the complete terms and conditions of your account, consult your Credit
© 2021 Bank of America Corporation 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 as of the date received, if the payment is: (1) 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 on 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 will only be accepted with a valid identification (ID).
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 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 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
DEBRAL MULLET | Account # iE )475 | October 17 - November 16, 2021
Transactions
Transaction Posting Reference Account
Date Date Description Number Number Amount Total
Interest Charged
11/16 11/16 INTEREST CHARGED ON PURCHASES 55.07
11/16 11/16 INTEREST CHARGED ON BALANCE TRANSFERS 0.00
11/16 11/16 INTEREST CHARGED ON DIR DEP&CHK CASHADV 0.00
11/16 11/16 INTEREST CHARGED ON BANK CASH ADVANCES 0.00
TOTAL INTEREST CHARGED FOR THIS PERIOD $55.07
2021 Totals Year-to-Date
Total fees charged in 2021 $223.00
Total interest charged in 2021 $552.79
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 9.24% V $ 7,017.18 §$ 55.07
Balance Transfers 9.24% V $ 0.00. 6S 0.00
Direct Deposit and Check Cash 15.99% V $ 0.00. 6$ 0.00
Advances
Bank Cash Advances 19.24% V $ 0.00. 6S 0.00
APR Type Definitions Daily Interest Rate Type: V= Variable Rate (rate may vary)
Important Messages
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.
Points earned can expire if not redeemed within 60 months from the month earned. To view current point totals and when points expire,
visit bankofamerica.com. Choose the credit card account related to this statement in Accounts Overview, then select the Rewards Tab and
access the ‘see expiration schedule’ link for a full view of total points by month of expiration.
Page 3 of 4
DEBRAL MULLET | Account # iE )475 | October 17 - November 16, 2021
Your opinion is important to us.
You're invited to join the Bank of America® Advisory Panel and share what you
think we're doing right— and what we need to do better. Enter code CACC at
bankofamerica.com/AdvisoryPanel to learn more and join.
Inclusion on the Advisory Panel subject to qualifications. SSM-08-21-0028.B1 | 3689095
Additional Information
The United States Postal Service (USPS) began changing first class mail delivery timeframes in October. This change may result in mailed
statements, new or replacement cards and payments you mail taking longer to arrive. For fast and easy access to your account information
and to schedule payments 24/7 for your Bank of America credit card and loan accounts, use our Mobile Banking app and Online Banking
digital solutions.
Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.
Page 4 of 4
Preview
Filing # 195559618 E-Filed 04/05/2024 10:27:06 AM IN THE COUNTY COURT IN AND FOR SARASOTA COUNTY, FLORIDA CASE NO: BANK OF AMERICA, N.A. Plaintiff, vs. DEBRA L MULLET Defendant(s) / COMPLAINT FOR DAMAGES COMES NOW the Plaintiff, BANK OF AMERICA, N.A., through its undersigned counsel and sue(s) the Defendant(s), DEBRA L MULLET and states as follows: CAUSE OF ACTION - ACCOUNT STATED 1. This is an action for damages that is within the jurisdictional limits of this Court, exclusive of costs. 2. Venue for this action is proper in this Court because the Defendant is a resident of this county. 3. Plaintiff 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. 4. Bank of America, N.A. ("BANA") is a wholly-owned subsidiary of Bank of America Corporation and the successor-in-interest to FIA Card Services, N.A., formerly known as MBNA America Bank, N.A. ("FIA"). FIA was merged into and under the charter and title of BANA effective October 1, 2014. 5. Defendant is an adult individual residing in this county. 6. Defendant applied for and received a credit account, which is owned and administered by Plaintiff (the "Account"). 7. Defendant used or authorized the use of the Account for the acquisition of goods, services, balance transfers or cash advances. 8. Before the institution of this action Plaintiff and Defendant had business transactions between them. 9. In accordance with federal regulations, monthly periodic statements for the Account have been provided to the Defendant. Attached hereto and incorporated herein is a copy of the last periodic statement provided to Defendant prior to charge-off. 10. Based on Plaintiff's records, there are no unresolved billing disputes related to the Account. Filed 04/05/2024 11:01 AM - Karen E. Rushing, Clerk of the Circuit Court, Sarasota County, FL 11. Defendant failed to make periodic payments and the Account was subsequently charged-off. The entire balance on the Account is owed to Plaintiff and is presently due and payable in full. 12. The current Account balance is $5,107.66, which includes any applicable payments and credits. The Account is not accruing post charge-off interest. 13. All conditions precedent to the bringing of this action have occurred. WHEREFORE, Plaintiff demands judgment in its favor and against Defendant(s), DEBRA L MULLET in the principal amount due of $5,107.66 plus court costs and other relief to be determined by the Court. HAYT, HAYT & LANDAU, P.L. Attorneys for Plaintiff 7765 S.W. 87 Avenue, e, Suite 101 Miami, ami, FL 3333173 3317 1733 (305)) 661 661-6660 1-66 6660 60 FBN: 37092 BY: Dana M. Stern ¥ Attorney Bar No: 0037092 Jason S. Dragutsky ¥ Attorney Bar No: 0757551 DESIGNATION OF EMAIL ADDRESS eservice@haytfla.com Please understand that this is an attempt to collect a debt and any information we obtain will be used for that purpose. Our File #: 1099129 o>, Customer Service Information: BANK OF AMERICA a www.bankofamerica.com 1.800.421.2110 Mail billing inquiries to: P.0. BOX 15284 Bank of America WILMINGTON, DE 19850 P.O. Box 672050 Dallas TX 75267-2050 Mail payment to: Bank of America P.O. Box 851001 Dallas TX 75285-1001 DEBRA L MULLET 1004 MARLIN LAKES CIR APT 215 SARASOTA FL 34232-6909 Visa Signature® Account? i 1415 October 17 - November 16, 2021 Account Summary Payment Information Previous Balance $6,990.59 New Balance Total $7,045.66 Payments and Other Credits $0.00 Current Payment Due $124.00 Purchases and Adjustments $0.00 Past Due Amount $1,044.00 Fees argc ed grove Total Minimum Payment Due $1,168.00 6 : Payment Due Date 12/13/2021 New Balance Total $7,045.66 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 Total Credit Line $6,500.00 $39.00 and your APRs may be increased up to the Penalty APR of 29.99%. Total Credit Available $0.00 Total Minimum Payment Warning: If you make only the Total Minimum Cash Credit Line $4,600.00 Payment each period, you will pay more in interest and it will take you Portion of Credit Available longer to pay off your balance. For example: for ash + Closing Dat $0.00 If you make no additional | You will payoff the And you will end up D “in Bil Ove ate 16/2021 charges using this card |balance shown on this} paying an estimated ays In piling Lycle 31 and each month you pay | statement in about total of Only the Total 18 years $11,000.00 Minimum Payment If you would like information about credit counseling services, call 866.300.5238. Lb OO704SEL400116L8000000000000 0 iS 1415 BANK OF AMERICA Account Number: i 1415 P.O. BOX 851001 DALLAS 1% 73285-1001 New Balance Total $7,045.66 Total Minimum Payment Due $1,168.00 Payment Due Date 12/13/2021 DEBRA L MULLET Enter payment amount $ 1004 MARLIN LAKES CIR APT 215 SARASOTA FL 34232-6909 For change of address/phone number, see reverse side. Make your payment online at www. bankofamerica.com or Mail this coupon along with your check payable to: Bank of America DEBRAL MULLET | Account # i 1475 | October 17 - November 16, 2021 004 - 000 - 000 -G IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST - We will not charge interest on Purchases on the next CALCULATION OF BALANCES SUBJECT TO INTEREST RATE statement if you pay the New Balance Total in full by the Payment Due Date, Average Daily Balance Method (including new Purchases): We calculate and you had paid in full by the previous Payment Due Date. We will begin separate Balances Subject to an Interest Rate for Purchases and for each charging interest on Balance Transfers and Cash Advances on the transaction Introductory or Promotional Offer balance consisting of Purchases. We do this date. by: (1) calculating a daily balance for each day in the billing cycle; (2) adding all TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and the daily balances together; and (3) dividing the sum of the daily balances by are compounded on a daily basis. To determine the Interest Charges, we the number of days in the billing cycle. multiply each Balance Subject to Interest Rate by its applicable Daily Periodic To calculate the daily balance for each day in this statement’s billing cycle, we: Rate and that result is multiplied by the number of days in the billing cycle. To (1) take the beginning balance; (2) add an amount equal to the applicable Daily determine the total Interest Charge for the billing cycle, we add the Periodic Periodic Rate multiplied by the previous day’s daily balance; (3) add new Rate Interest Charges together. A Daily Periodic Rate fs calculated by dividing Purchases, new Account Fees, and new Transaction Fees; and (4) subtract an Annual Percentage Rate by 365. applicable payments and credits. If any daily balance is less than zero we treat HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to it as zero. posted balances. If your account has balances with different APRs, we will Average Balance Method (including new Balance Transfers and new Cash allocate the amount of your payment equal to the Total Minimum Payment Due Advances): We calculate separate Balances Subject to an Interest Rate for to the lowest APR balances first (including transactions made after this Balance Transfers, Cash Advances, and for each Introductory or Promotional statement). Payment amounts in excess of your Total Minimum Payment Due Offer balance consisting of Balance Transfers or Cash Advances. We do this by: will be applied to balances with higher APRs before balances with lower APRs. (1) calculating a daily balance for each day in this statement’s billing cycle; (2) IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When calculating a daily balance for each day prior to this statement’s billing cycle using the optional Pay-by-Phone service, you authorize us to initiate an that had a “Pre-Cycle balance” - a Pre-Cycle balance fs a Balance Transfer or a electronic payment from your account at the financial institution you designate. Cash Advance with a transaction date prior to this statement’s billing cycle but You must authorize the amount and timing of each payment. For your with a posting date within this statement’s billing cycle; (3) adding all the daily protection, we will ask for security information. To cancel, call us before the balances together; and (4) dividing the sum of the daily balances by the number scheduled payment date. Same-day payments cannot be edited or canceled. of days in this statement’s billing cycle. YOUR CREDIT LINES - The Total Credit Line is the amount of credit To calculate the daily balance for each day in this statement’s billing cycle, we: available for the account; however, only a portion of that is available for Bank (1) take the beginning balance; (2) add an amount equal to the applicable Daily Cash Advances. The Cash Credit Line is that amount you have available for Periodic Rate multiplied by the previous day’s daily balance; (3) add new Bank Cash Advances. Generally, Bank Cash Advances consist of ATM Cash Balance Transfers, new Cash Advances and Transaction Fees; and (4) subtract Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash applicable payments and credits. If any daily balance is less than zero we treat Advances, Overdraft Protection Cash Advances, Cash Equivalents, and it as zero. applicable transaction fees. To calculate a daily balance for each day prior to this statement’s billing cycle MISCELLANEOUS - Promotional Rate End Date: This date is based on a that had a Pre-Cycle balance: (1) we take the beginning balance attributable future statement closing date. If you change your payment due date, this date solely to Pre-Cycle balance (which will be zero on the transaction date of the could change. The New Balance Total which appears on this statement is not a first Pre-Cycle balance); (2) add an amount equal to the applicable Daily payoff amount and may be subject to additional interest charges when you pay Periodic Rate multiplied by the previous day’s daily balance; (3) and add only in full after your statement closing date. Please contact the customer service the applicable Pre-Cycle balances and their related Transaction Fees. We number located on the front of this statement for a pay-off amount. Virtual exclude from this calculation all transactions posted in previous billing cycles. cards are the digital form of your eligible physical credit cards stored within a digital wallet. For the complete terms and conditions of your account, consult your Credit © 2021 Bank of America Corporation 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 as of the date received, if the payment is: (1) 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 on 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 will only be accepted with a valid identification (ID). 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 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 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 DEBRAL MULLET | Account # iE )475 | October 17 - November 16, 2021 Transactions Transaction Posting Reference Account Date Date Description Number Number Amount Total Interest Charged 11/16 11/16 INTEREST CHARGED ON PURCHASES 55.07 11/16 11/16 INTEREST CHARGED ON BALANCE TRANSFERS 0.00 11/16 11/16 INTEREST CHARGED ON DIR DEP&CHK CASHADV 0.00 11/16 11/16 INTEREST CHARGED ON BANK CASH ADVANCES 0.00 TOTAL INTEREST CHARGED FOR THIS PERIOD $55.07 2021 Totals Year-to-Date Total fees charged in 2021 $223.00 Total interest charged in 2021 $552.79 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 9.24% V $ 7,017.18 §$ 55.07 Balance Transfers 9.24% V $ 0.00. 6S 0.00 Direct Deposit and Check Cash 15.99% V $ 0.00. 6$ 0.00 Advances Bank Cash Advances 19.24% V $ 0.00. 6S 0.00 APR Type Definitions Daily Interest Rate Type: V= Variable Rate (rate may vary) Important Messages 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. Points earned can expire if not redeemed within 60 months from the month earned. To view current point totals and when points expire, visit bankofamerica.com. Choose the credit card account related to this statement in Accounts Overview, then select the Rewards Tab and access the ‘see expiration schedule’ link for a full view of total points by month of expiration. Page 3 of 4 DEBRAL MULLET | Account # iE )475 | October 17 - November 16, 2021 Your opinion is important to us. You're invited to join the Bank of America® Advisory Panel and share what you think we're doing right— and what we need to do better. Enter code CACC at bankofamerica.com/AdvisoryPanel to learn more and join. Inclusion on the Advisory Panel subject to qualifications. SSM-08-21-0028.B1 | 3689095 Additional Information The United States Postal Service (USPS) began changing first class mail delivery timeframes in October. This change may result in mailed statements, new or replacement cards and payments you mail taking longer to arrive. For fast and easy access to your account information and to schedule payments 24/7 for your Bank of America credit card and loan accounts, use our Mobile Banking app and Online Banking digital solutions. Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply. Page 4 of 4