Preview
Case Number:20-000019-CO
Filing # 100991283 E-Filed 12/31/2019 06:00:29 PM
Customer Service Information:
' "*‘ www.bankofamerica.com
BankAmerlcard Bankanmerlca
.
’ll 1.800.421.21 1o
TTY: 1.800.346.3178
Mail billing inquiries to:
Bank of America
P.O.Box 982234
EIPaso TX 79998—2234
Mail payment to:
Bank of America
P.O.Box 851001
MELISSA LMOONEY
DallasTX 75285—1001
6O AVON DR
SAFETY HARBOR FL 34695-2048
December 26
Account#
—
anuar
-
25,2018
Account Summary Payment Information
previous Ba|ance $6,981.97 New Balance Total $7,005.24
—
Payments and Other Credits —$81.97 current Payment Due $8300
Purchases and Adjustments $91.73
Fees Charged $0.00 Total Minimum Payment Due $83.00
Interest Charged $13.51 Payment Due Date 02/22/2018
New Ba|ance Tota| $7,005.24 Late Payment Warning: Ifwe 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 $700000 $38.00 and your APRs may be increased up to the Penalty APR of 29.99%.
TOtal credit Available $000 Total Minimum Payment Warning: If you make only the Total Minimum
caSh credit Line $280000 Payment each period, you will pay more in interest and it will take you
Portion 0f credit Available For example:
longer to pay off your balance.
for Cash $0.00
Statement Closing Date 01/25/201 8
Days Cycle
in Billing 31
Only the Total 22 years $1 7,969.00
Minimum Payment
$254.00 36 months $9,] 44,00
(Savings = $8,825.00)
Ifyou would likeinformation about credit counseling services, call
866.300.5238.
as
BANK 0F AMERICA
P.O. BOX 851001
Account Number:—
DALLAS TX 75285-1 001
New Balance Total $7,005.24
TotalMinimum Payment Due $83.00
Payment Due Date 02/22/2018
MELISSA L MOONEY Enter Paymentamount $
6O AVON DR
SAFETY HARBOR FL 34695-2048
Check here for a change 0f maf/fng address 0r phone numbers.
D P/ease provide a// correct/ons 0n the reverse s/de.
***ELECTRONICALLY FILED 12/31/2019 MWURT, Bank
Mail this coupon along with your check payable
to: ofAmerica
PINELLAS COUNTY***
MELISSA L MOONEY |
Account#_ - |
December 26 -January
25,2018
004-
000-
000-
G
IMPORTANT INFORMATION ABOUT THIS ACCOUNT
PAYING INTEREST — We WI'II CALCULATION 0F BALANCES SUBJECT T0 INTEREST RATE
not charge interest on Purchases on the next
statement you pay the New
I'f
Balance Total
I'n
by the Payment Due Date,
full We
Average Daily Balance Method (including new Purchases):
calculate
and you had paid
I'n
full We
by the previous Payment Due Date. begin
WI'II separate Balances Subject to an Interest Rate for Purchases and for each
charging interest on Balance Transfers and Cash Advances on the transaction We do
Introductory or Promotional Offer balance consisting of Purchases.
this
date. balance for each day
by: (1) calculating a daily I'n
adding
the billing cycle;
(2) all
TOTAL INTEREST CHARGE COMPUTATION — the daily balances together; and
Interest Charges accrue and (3) sum
dividing the of the daily balances by
arecompounded on To determine the
a daily basis. we
Interest Charges thenumber of days I'n the billing cycle.
multiply each Balance Subject to Interest Rate by To calculate the daily balance for each day I'n this statement’s billing cycle, we:
applicable Daily Periodic
I'ts
Rate and that result I's multiplied by the number of days (1) take the beginning balance; (2) add an amount equal to the applicable Daily
the billing cycle. To
I'n
we add
determine the total Interest Charge for the billing cycle,
the Periodic Periodic Rate multiplied by the previous day’s daily balance; (3) add new
A
Rate Interest Charges together.
Daily Periodic Rate
calculated by dividing
I's new Account
Purchases, new
Fees, and Transaction Fees; andsubtract
(4)
an Annual Percentage Rate by 365. applicable payments and credits.
Ifany daily balance
I's
we
less than zero treat
HOW WE ALLOCATE YOUR PAYMENTS —
Payments are allocated to as zero.
I't
posted balances.
If we
your account has balances With different APRs,
WI'II Average Balance Method (including new Balance Transfers and new Cash
amount of your payment equal to the Total Minimum Payment Due
allocate the Advances):We calculate separate Balances Subject to an Interest Rate for
Balance Transfers, Cash Advances, and for each Introductory or Promotional
to the lowest APR balances first (including transactions made after this
statement). Payment amountsexcess of your Total Minimum Payment Due
I'n We
Offer balance consisting of Balance Transfers or Cash Advances.
do this by:
(1)
I'n
thisstatement’s
calculating a daily balance for each day
WI'II be applied to balances With higher APRs before balances With lower APRs. billing cycle; (2)
IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE -
When calculating a daily balance for each day prior to this statement’s billing cycle
that had a “Pre—Cycle balance”
using the optional Pay—by—Phone service, you authorize us to initiate an
—
a Pre—Cycle balancea Balance Transfer or a
I's
Cash Advance With a transaction date prior to
payment from your account at the financial institution you designate.
electronic statement’s
this but
billing cycle
You must authorize the amount and timing of each payment. For your With a posting date Within this statement’s adding
billing cycle; (3) the daily
all
we
protection, A
ask for security information.
WI'II fee may apply for expeditedbalances together; and
(4) sum
dividing the number
of the daily balances by the
To
service. payment
cancel, call us before the scheduled date.Same—day of days
I'n
thisstatement’s
billing cycle.
payments cannot be edited
or canceled. To calculate the each day
daily balance for I'n
thisstatement’s we:
billing cycle,
YOUR CREDIT LINES —
The Total Credit Line
the
I's
amount of credit (1) (2)add an amount equal to the applicable Daily
take the beginning balance;
available for Bank
available for the account; however, only a portion of that
I's (3)add new
Periodic Rate multiplied by the previous day’s daily balance;
Cash Advances. The Cash Credit Line
that
I's
amount you have
available for new Cash Advances and
Balance Transfers, Transaction Fees; and
(4)subtract
ATM
Bank Cash Advances. Generally, Bank Cash Advances consist of
Cash applicable payments and credits.
Ifany daily balance
I's
we
less than zero treat
Advances, Over the Counter (OTC) Cash Advances, Same—Day Online Cash as zero.
I't
Advances, Overdraft Protection Cash Advances, Cash Equivalents, andTo calculate
a daily balance for each day prior to this statement’s billing cycle
applicable transaction fees. (1)we
that had a Pre—Cycle balance: take the beginning balance attributable
MISCELLANEOUS —
Promotional Rate End Date: This date
based on a
I's be zero on the transaction date of the
solely to Pre—Cycle balance (Which
WI'II
future statement closing date.
you change your payment due date,
If thisdate add an amount equal to the applicable Daily
first Pre—Cycle balance);
(2)
New
could change. The Balance Total Which appears on this statement
not a
I's (3)and add only
Periodic Rate multiplied by the previous day’s daily balance;
payoff amount and
may be When you pay
subject to additional interest charges We
the applicable Pre—Cycle balances and their related Transaction Fees.
I'n exclude from this calculation
after your statement closing date. Please contact the customer service
full transactions posted
all previous billing cycles.
I'n
number located on the
front of this statement for a pay—off amount. Virtual
For the complete terms and conditions of your account, consult your Credit
cards are the digital form of your eligible physical credit cards stored Within a
digital wallet. Card Agreement. This account
issued and administered by FIA Card Services.
I's
a registered trademark of FIA Card Services and/or
FIA Card Services
I's I'ts
affiliates.
PAYMENTS -
We the payment
payments as of the date received,
credit mailed if is: Ifyour address or contact information has changed, or if your address
billing is
(1) shown on the remittance portion of your
received by 5 p.m. local time at the address incorrect as
itappears on this bill, please provide all corrections here.
monthly statement; check drawn in U.S. dollars on a U.S. financial
paid With a
(2)
money
institution or a U.S. dollar and
order; (3)sent
inthe return envelope With only the
remittance portion of your statement accompanying
Address
Payments received by mail after 5
it.
1
Payment Due Date, but
p.m. local time at the remittance address on any day including the
meet the above requirements,
that otherwise be credited as of the next day. Payments
Will
made made
online or by phone Will be credited as of the date of receipt
if by 5 p.m. Address 2
any other payments may be delayed up to
Central. Credit for Cash payments
five days.
made ATM
With our tellers or only be accepted With a valid
With Teller Assist (ATA)
Will
identification
(ID). City
No payment operate as an accord and satisfaction without the prior written approval
shall
of one of our Senior Officers.
State Zip
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 may Area Code
be withdrawn from your account as soon as the
as a check or paper draft). Funds &
same day we more information
receive your payment. Checks are not returned to you. For Home Phone
number
or to stop the electronic funds transfers, call us at the
on the front.
listed
If Area Code&
you have authorized us to pay your credit card bill automatically from your savings or
Work Phone
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
paymentisscheduled to occur.
MELISSA L MOONEY |
Account#_ - |
December 26 -January
25,2018
Transactions
Transaction Posting Reference Account
Date Date Description Number Number Amount Total
12/26 12/27
Payments and Other Credits
Online payment from CHK1
TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD
1638 - _81.97
—$81.97
12/28
01/02
12/29
01/03
Purchases and Adjustments
WESTSHORE
PETSMART
PIZZA — SAFE
# 1141
CLEARWATER
CLEARWATER FL
FL -
- -
- 79.63
12.10
TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD $91.73
Interest Charged
01/25 01/25 INTEREST CHARGED ON PURCHASES 13.51
01/25 01/25 INTEREST CHARGED ON BALANCE TRANSFERS 0.00
01/25 01/25 INTEREST CHARGED ON DIR DEP&CHK CASHADV 0.00
01/25 01/25 INTEREST CHARGED ON BANK CASH ADVANCES 0.00
TOTAL INTEREST CHARGED FOR THIS PERIOD $13.51
201 8 Totals Year-to-Date
Total fees charged in201 8 $0.00
Total interest chargedin201 8 $1 3,51
Interest Charge Calculation
Your Annual Percentage Rate (APR) the annual interest rate on your account.
I's
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 21.49%V $ 740.31 $ 13.51
Balance Transfers 21.49%V $ 0.00 $ 0.00
Promotional APR 0.00% BT KS1 6—85373 07/25/201 8 $ 4,586.00 $ 0.00
Direct Deposit and Check Cash 21.49%V $ 0.00 $ 0.00
Advances
APR
Promotional 0.00% CHK, DD KS1 7—51429 08/25/201 8 $ 1,664.00 $ 0.00
Bank Cash Advances 26.24%V $ 0.00 $ 0.00
Promotional Transaction Types: BT = Balance Transfer, CHK = Check Cash Advance, DD
APR Type Definitions = Direct Deposit; Daily Interest Rate Type:
V= Variable Rate (rate may vary); APR Type: Promotional APR (APR for limited time on eligible transactions)
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.
Page 3 of 4
MELISSA L MOONEY |
Account#_ - |
December 26 -January
25,2018
Don’t miss important account notifications— keep your contact information updated
quick and easy to keep your phone number, email and mailing address up to date. Just sign
It‘s into Online Banking andgo
Settings or use the Mobile Banking app‘.
to Profile 8: You'llhelpmake sure you receive of your notices and help stay
all
on top of your account.
lsyour" contact info up to date? Check now at bankofamerica.com.
'Mobile Banking requires that you download the Mobile Banking app and
is Message and data
only available For select mobile devices. may apply.
rates
©2018Bank ofAmerica Corporation 14B
SSM-IO-‘I7-OI |
AR735WW
Additional Information
Need to dispute a transaction? For the fastest dispute resolution, please contact the merchant.
Ifunsuccessful, simply dispute online
file a
www.bankofamerica.com. Select your credit card account, clickthe “Information& Services” tab and then select the “Dispute a transaction”
link under the “Services” section.
Page 4 of 4
Customer Service Information:
Bank of America *7?
www.bankofamerica.com
BankAmericard' 1.800.421 .21 1O
TTY: 1.800.346.3178
Mail billing inquiries to:
Bank of America
P.O.Box 982234
ElPaso TX 79998-2234
Mail payment to:
Bank of America
P.O.Box 851001
MELISSA LMOONEY
DallasTX 75285-1 001
6O AVON DR
SAFETY HARBOR FL 34695-2048
Jul
Account#fi
26-
ALI
-2018
ust 25,
Account Summary Payment Information
Previous Balance $7,318.19 New Balance Total $7,424.75
Payments and Other Credits $0.00 Current Payment Due $179.00
Purchases and Adjustments $0.00 Past Due Amount $820.00
Fees Charged $0.00
Interest Charged $106.56 Total Minimum Payment Due $999.00
Payment Due Date 09/22/2018
New Balance Total $7,424.75 Late Payment Warning: Ifwe 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 $7,000.00 $38.00 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 $2,800.00 Payment each period, you will pay more in interest and it will take you
Portion of Credit Available For example:
longer to pay off your balance.
for Cash $0.00
Statement Closing Date 08/25/201 8
Days Cycle
in Billing 31
Only the Total 22 years $1 8,532.00
Minimum Payment
Ifyou would likeinformation about credit counseling services, call
es—
866.300.5238.
BANK OF AMERICA
P.O. BOX 851001
Account Number:—
DALLAS TX 75285-1 001
New Balance Total $7,424.75
TotalMinimum Payment Due $999.00
Payment Due Date 09/22/2018
MELISSA L MOONEY Enter paymentamount $
6O AVON DR
SAFETY HARBOR FL 34695-2048
Check here for a change 0f maf/fng address 0r phone numbers.
D P/ease provide a// correct/ons 0n the reverse s/de.
Bank
Mail this coupon along with your check payable
to: ofAmerica
MELISSA L MOONEY |
Account#_ - |
July26 -
August 25, 2018
004-
000-
000-
G
IMPORTANT INFORMATION ABOUT THIS ACCOUNT
PAYING INTEREST — We WI'II CALCULATION 0F BALANCES SUBJECT T0 INTEREST RATE
not charge interest on Purchases on the next
statement you pay the New
I'f
Balance Total
I'n
by the Payment Due Date,
full We
Average Daily Balance Method (including new Purchases):
calculate
and you had paid
I'n
full We
by the previous Payment Due Date. begin
WI'II separate Balances Subject to an Interest Rate for Purchases and for each
charging interest on Balance Transfers and Cash Advances on the transaction We do
Introductory or Promotional Offer balance consisting of Purchases.
this
date. balance for each day
by: (1) calculating a daily I'n
adding
the billing cycle;
(2) all
TOTAL INTEREST CHARGE COMPUTATION — the daily balances together; and
Interest Charges accrue and (3) sum
dividing the of the daily balances by
arecompounded on To determine the
a daily basis. we
Interest Charges thenumber of days I'n the billing cycle.
multiply each Balance Subject to Interest Rate by To calculate the daily balance for each day I'n this statement’s billing cycle, we:
applicable Daily Periodic
I'ts
Rate and that result I's multiplied by the number of days (1) take the beginning balance; (2) add an amount equal to the applicable Daily
the billing cycle. To
I'n
we add
determine the total Interest Charge for the billing cycle,
the Periodic Periodic Rate multiplied by the previous day’s daily balance; (3) add new
A
Rate Interest Charges together.
Daily Periodic Rate
calculated by dividing
I's new Account
Purchases, new
Fees, and Transaction Fees; andsubtract
(4)
an Annual Percentage Rate by 365. applicable payments and credits.
Ifany daily balance
Preview
Case Number:20-000019-CO Filing # 100991283 E-Filed 12/31/2019 06:00:29 PM Customer Service Information: ' "*‘ www.bankofamerica.com BankAmerlcard Bankanmerlca . ’ll 1.800.421.21 1o TTY: 1.800.346.3178 Mail billing inquiries to: Bank of America P.O.Box 982234 EIPaso TX 79998—2234 Mail payment to: Bank of America P.O.Box 851001 MELISSA LMOONEY DallasTX 75285—1001 6O AVON DR SAFETY HARBOR FL 34695-2048 December 26 Account# — anuar - 25,2018 Account Summary Payment Information previous Ba|ance $6,981.97 New Balance Total $7,005.24 — Payments and Other Credits —$81.97 current Payment Due $8300 Purchases and Adjustments $91.73 Fees Charged $0.00 Total Minimum Payment Due $83.00 Interest Charged $13.51 Payment Due Date 02/22/2018 New Ba|ance Tota| $7,005.24 Late Payment Warning: Ifwe 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 $700000 $38.00 and your APRs may be increased up to the Penalty APR of 29.99%. TOtal credit Available $000 Total Minimum Payment Warning: If you make only the Total Minimum caSh credit Line $280000 Payment each period, you will pay more in interest and it will take you Portion 0f credit Available For example: longer to pay off your balance. for Cash $0.00 Statement Closing Date 01/25/201 8 Days Cycle in Billing 31 Only the Total 22 years $1 7,969.00 Minimum Payment $254.00 36 months $9,] 44,00 (Savings = $8,825.00) Ifyou would likeinformation about credit counseling services, call 866.300.5238. as BANK 0F AMERICA P.O. BOX 851001 Account Number:— DALLAS TX 75285-1 001 New Balance Total $7,005.24 TotalMinimum Payment Due $83.00 Payment Due Date 02/22/2018 MELISSA L MOONEY Enter Paymentamount $ 6O AVON DR SAFETY HARBOR FL 34695-2048 Check here for a change 0f maf/fng address 0r phone numbers. D P/ease provide a// correct/ons 0n the reverse s/de. ***ELECTRONICALLY FILED 12/31/2019 MWURT, Bank Mail this coupon along with your check payable to: ofAmerica PINELLAS COUNTY*** MELISSA L MOONEY | Account#_ - | December 26 -January 25,2018 004- 000- 000- G IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST — We WI'II CALCULATION 0F BALANCES SUBJECT T0 INTEREST RATE not charge interest on Purchases on the next statement you pay the New I'f Balance Total I'n by the Payment Due Date, full We Average Daily Balance Method (including new Purchases): calculate and you had paid I'n full We by the previous Payment Due Date. begin WI'II separate Balances Subject to an Interest Rate for Purchases and for each charging interest on Balance Transfers and Cash Advances on the transaction We do Introductory or Promotional Offer balance consisting of Purchases. this date. balance for each day by: (1) calculating a daily I'n adding the billing cycle; (2) all TOTAL INTEREST CHARGE COMPUTATION — the daily balances together; and Interest Charges accrue and (3) sum dividing the of the daily balances by arecompounded on To determine the a daily basis. we Interest Charges thenumber of days I'n the billing cycle. multiply each Balance Subject to Interest Rate by To calculate the daily balance for each day I'n this statement’s billing cycle, we: applicable Daily Periodic I'ts Rate and that result I's multiplied by the number of days (1) take the beginning balance; (2) add an amount equal to the applicable Daily the billing cycle. To I'n we add determine the total Interest Charge for the billing cycle, the Periodic Periodic Rate multiplied by the previous day’s daily balance; (3) add new A Rate Interest Charges together. Daily Periodic Rate calculated by dividing I's new Account Purchases, new Fees, and Transaction Fees; andsubtract (4) an Annual Percentage Rate by 365. applicable payments and credits. Ifany daily balance I's we less than zero treat HOW WE ALLOCATE YOUR PAYMENTS — Payments are allocated to as zero. I't posted balances. If we your account has balances With different APRs, WI'II Average Balance Method (including new Balance Transfers and new Cash amount of your payment equal to the Total Minimum Payment Due allocate the Advances):We calculate separate Balances Subject to an Interest Rate for Balance Transfers, Cash Advances, and for each Introductory or Promotional to the lowest APR balances first (including transactions made after this statement). Payment amountsexcess of your Total Minimum Payment Due I'n We Offer balance consisting of Balance Transfers or Cash Advances. do this by: (1) I'n thisstatement’s calculating a daily balance for each day WI'II be applied to balances With higher APRs before balances With lower APRs. billing cycle; (2) IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When calculating a daily balance for each day prior to this statement’s billing cycle that had a “Pre—Cycle balance” using the optional Pay—by—Phone service, you authorize us to initiate an — a Pre—Cycle balancea Balance Transfer or a I's Cash Advance With a transaction date prior to payment from your account at the financial institution you designate. electronic statement’s this but billing cycle You must authorize the amount and timing of each payment. For your With a posting date Within this statement’s adding billing cycle; (3) the daily all we protection, A ask for security information. WI'II fee may apply for expeditedbalances together; and (4) sum dividing the number of the daily balances by the To service. payment cancel, call us before the scheduled date.Same—day of days I'n thisstatement’s billing cycle. payments cannot be edited or canceled. To calculate the each day daily balance for I'n thisstatement’s we: billing cycle, YOUR CREDIT LINES — The Total Credit Line the I's amount of credit (1) (2)add an amount equal to the applicable Daily take the beginning balance; available for Bank available for the account; however, only a portion of that I's (3)add new Periodic Rate multiplied by the previous day’s daily balance; Cash Advances. The Cash Credit Line that I's amount you have available for new Cash Advances and Balance Transfers, Transaction Fees; and (4)subtract ATM Bank Cash Advances. Generally, Bank Cash Advances consist of Cash applicable payments and credits. Ifany daily balance I's we less than zero treat Advances, Over the Counter (OTC) Cash Advances, Same—Day Online Cash as zero. I't Advances, Overdraft Protection Cash Advances, Cash Equivalents, andTo calculate a daily balance for each day prior to this statement’s billing cycle applicable transaction fees. (1)we that had a Pre—Cycle balance: take the beginning balance attributable MISCELLANEOUS — Promotional Rate End Date: This date based on a I's be zero on the transaction date of the solely to Pre—Cycle balance (Which WI'II future statement closing date. you change your payment due date, If thisdate add an amount equal to the applicable Daily first Pre—Cycle balance); (2) New could change. The Balance Total Which appears on this statement not a I's (3)and add only Periodic Rate multiplied by the previous day’s daily balance; payoff amount and may be When you pay subject to additional interest charges We the applicable Pre—Cycle balances and their related Transaction Fees. I'n exclude from this calculation after your statement closing date. Please contact the customer service full transactions posted all previous billing cycles. I'n number located on the front of this statement for a pay—off amount. Virtual For the complete terms and conditions of your account, consult your Credit cards are the digital form of your eligible physical credit cards stored Within a digital wallet. Card Agreement. This account issued and administered by FIA Card Services. I's a registered trademark of FIA Card Services and/or FIA Card Services I's I'ts affiliates. PAYMENTS - We the payment payments as of the date received, credit mailed if is: Ifyour address or contact information has changed, or if your address billing is (1) shown on the remittance portion of your received by 5 p.m. local time at the address incorrect as itappears on this bill, please provide all corrections here. monthly statement; check drawn in U.S. dollars on a U.S. financial paid With a (2) money institution or a U.S. dollar and order; (3)sent inthe return envelope With only the remittance portion of your statement accompanying Address Payments received by mail after 5 it. 1 Payment Due Date, but p.m. local time at the remittance address on any day including the meet the above requirements, that otherwise be credited as of the next day. Payments Will made made online or by phone Will be credited as of the date of receipt if by 5 p.m. Address 2 any other payments may be delayed up to Central. Credit for Cash payments five days. made ATM With our tellers or only be accepted With a valid With Teller Assist (ATA) Will identification (ID). City No payment operate as an accord and satisfaction without the prior written approval shall of one of our Senior Officers. State Zip 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 may Area Code be withdrawn from your account as soon as the as a check or paper draft). Funds & same day we more information receive your payment. Checks are not returned to you. For Home Phone number or to stop the electronic funds transfers, call us at the on the front. listed If Area Code& you have authorized us to pay your credit card bill automatically from your savings or Work Phone 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 paymentisscheduled to occur. MELISSA L MOONEY | Account#_ - | December 26 -January 25,2018 Transactions Transaction Posting Reference Account Date Date Description Number Number Amount Total 12/26 12/27 Payments and Other Credits Online payment from CHK1 TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD 1638 - _81.97 —$81.97 12/28 01/02 12/29 01/03 Purchases and Adjustments WESTSHORE PETSMART PIZZA — SAFE # 1141 CLEARWATER CLEARWATER FL FL - - - - 79.63 12.10 TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD $91.73 Interest Charged 01/25 01/25 INTEREST CHARGED ON PURCHASES 13.51 01/25 01/25 INTEREST CHARGED ON BALANCE TRANSFERS 0.00 01/25 01/25 INTEREST CHARGED ON DIR DEP&CHK CASHADV 0.00 01/25 01/25 INTEREST CHARGED ON BANK CASH ADVANCES 0.00 TOTAL INTEREST CHARGED FOR THIS PERIOD $13.51 201 8 Totals Year-to-Date Total fees charged in201 8 $0.00 Total interest chargedin201 8 $1 3,51 Interest Charge Calculation Your Annual Percentage Rate (APR) the annual interest rate on your account. I's 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 21.49%V $ 740.31 $ 13.51 Balance Transfers 21.49%V $ 0.00 $ 0.00 Promotional APR 0.00% BT KS1 6—85373 07/25/201 8 $ 4,586.00 $ 0.00 Direct Deposit and Check Cash 21.49%V $ 0.00 $ 0.00 Advances APR Promotional 0.00% CHK, DD KS1 7—51429 08/25/201 8 $ 1,664.00 $ 0.00 Bank Cash Advances 26.24%V $ 0.00 $ 0.00 Promotional Transaction Types: BT = Balance Transfer, CHK = Check Cash Advance, DD APR Type Definitions = Direct Deposit; Daily Interest Rate Type: V= Variable Rate (rate may vary); APR Type: Promotional APR (APR for limited time on eligible transactions) 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. Page 3 of 4 MELISSA L MOONEY | Account#_ - | December 26 -January 25,2018 Don’t miss important account notifications— keep your contact information updated quick and easy to keep your phone number, email and mailing address up to date. Just sign It‘s into Online Banking andgo Settings or use the Mobile Banking app‘. to Profile 8: You'llhelpmake sure you receive of your notices and help stay all on top of your account. lsyour" contact info up to date? Check now at bankofamerica.com. 'Mobile Banking requires that you download the Mobile Banking app and is Message and data only available For select mobile devices. may apply. rates ©2018Bank ofAmerica Corporation 14B SSM-IO-‘I7-OI | AR735WW Additional Information Need to dispute a transaction? For the fastest dispute resolution, please contact the merchant. Ifunsuccessful, simply dispute online file a www.bankofamerica.com. Select your credit card account, clickthe “Information& Services” tab and then select the “Dispute a transaction” link under the “Services” section. Page 4 of 4 Customer Service Information: Bank of America *7? www.bankofamerica.com BankAmericard' 1.800.421 .21 1O TTY: 1.800.346.3178 Mail billing inquiries to: Bank of America P.O.Box 982234 ElPaso TX 79998-2234 Mail payment to: Bank of America P.O.Box 851001 MELISSA LMOONEY DallasTX 75285-1 001 6O AVON DR SAFETY HARBOR FL 34695-2048 Jul Account#fi 26- ALI -2018 ust 25, Account Summary Payment Information Previous Balance $7,318.19 New Balance Total $7,424.75 Payments and Other Credits $0.00 Current Payment Due $179.00 Purchases and Adjustments $0.00 Past Due Amount $820.00 Fees Charged $0.00 Interest Charged $106.56 Total Minimum Payment Due $999.00 Payment Due Date 09/22/2018 New Balance Total $7,424.75 Late Payment Warning: Ifwe 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 $7,000.00 $38.00 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 $2,800.00 Payment each period, you will pay more in interest and it will take you Portion of Credit Available For example: longer to pay off your balance. for Cash $0.00 Statement Closing Date 08/25/201 8 Days Cycle in Billing 31 Only the Total 22 years $1 8,532.00 Minimum Payment Ifyou would likeinformation about credit counseling services, call es— 866.300.5238. BANK OF AMERICA P.O. BOX 851001 Account Number:— DALLAS TX 75285-1 001 New Balance Total $7,424.75 TotalMinimum Payment Due $999.00 Payment Due Date 09/22/2018 MELISSA L MOONEY Enter paymentamount $ 6O AVON DR SAFETY HARBOR FL 34695-2048 Check here for a change 0f maf/fng address 0r phone numbers. D P/ease provide a// correct/ons 0n the reverse s/de. Bank Mail this coupon along with your check payable to: ofAmerica MELISSA L MOONEY | Account#_ - | July26 - August 25, 2018 004- 000- 000- G IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST — We WI'II CALCULATION 0F BALANCES SUBJECT T0 INTEREST RATE not charge interest on Purchases on the next statement you pay the New I'f Balance Total I'n by the Payment Due Date, full We Average Daily Balance Method (including new Purchases): calculate and you had paid I'n full We by the previous Payment Due Date. begin WI'II separate Balances Subject to an Interest Rate for Purchases and for each charging interest on Balance Transfers and Cash Advances on the transaction We do Introductory or Promotional Offer balance consisting of Purchases. this date. balance for each day by: (1) calculating a daily I'n adding the billing cycle; (2) all TOTAL INTEREST CHARGE COMPUTATION — the daily balances together; and Interest Charges accrue and (3) sum dividing the of the daily balances by arecompounded on To determine the a daily basis. we Interest Charges thenumber of days I'n the billing cycle. multiply each Balance Subject to Interest Rate by To calculate the daily balance for each day I'n this statement’s billing cycle, we: applicable Daily Periodic I'ts Rate and that result I's multiplied by the number of days (1) take the beginning balance; (2) add an amount equal to the applicable Daily the billing cycle. To I'n we add determine the total Interest Charge for the billing cycle, the Periodic Periodic Rate multiplied by the previous day’s daily balance; (3) add new A Rate Interest Charges together. Daily Periodic Rate calculated by dividing I's new Account Purchases, new Fees, and Transaction Fees; andsubtract (4) an Annual Percentage Rate by 365. applicable payments and credits. Ifany daily balance