EFTA00123675.pdf

Customer Service Information: BankAmerican:I' Bank of America e . www.bankofamerica.com 1.800.421.2110 TTY: 1.800.346.3178 Mail billing Inquiries to: Bank of America P.O. Box 982234 El Paso TX 79998-2234 Mail payment to: Bank of America P.O. Box 15019 Wilmington DE 19886-5019 December 22 - January 21. 2019 Account Summary Payment Information Previous Balance $458.33 New Balance Total $367.14 Payments and Other Credits —$103.03 Current Payment Due $25.00 Purchases and Adjustments $0.00 Fees Charged $0.00 Total Minimum Payment Due $25.00 Interest Charged $8.81 Payment Due Date 02/18/2019 New Balance Total $367.14 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 $11.000.00 $38.00 and your APRs may be increased up to the Penalty APR of 29.9996. Total Credit Available $10,632.86 Total Minimum Payment Warning: If you make only the Total Minimum Cash Credit Line $3,300.00 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 Cash $3,300.00 If you make no additional You will payoff the And you will end up Statement Closing Date 01(21(2019 charges using this card balance shown on this paying an estimated Days in Billing Cycle 31 and each month you pay statement in about total of Only the Total 18 months $427.00 Minimum Payment f you would like information about credit counseling services, call 866.300.5238. BANK OF AMERICA P.O. BOX 15019 WILMINGTON DE 19886-5019 Now Balance total $367.14 Total Minimum Payment Due $25.00 Payment Duo Date 02/18/2019 Enter payment amount for change of *nese/Ohms number, see reverse sal. Make wur payment online et www.benkolemerica.00rn or Mail this coupon along with you: check payable ta Bank of MAMMA EFTA00123675  I December 22 - January 21. 2019 004 • COO • 0IX.• 0 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 acme and the daily balances together, and (3) dividing the sun 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 is calculated by dividing Purchases, new Account Fees, and new Transaction Fees: and (4) subtract an Amual 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 (Inducing new Balance Transfers and new Cash allocate the amount of your payment equal to the Total Minimum Payment Due Advances)•. We cakulate separate Balances Subject to an Interest Rate for to the lowest APR balances first (inducing transactions made after this Balance Transfers, Cash Advances, and for each Introductory or Promotional statement). Payment amounts in excess of your Total Mirimum 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 is 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. A fee may apply for expedited balances together; and (4) dividing the sum of the daily balances by the number service. To cancel, call us before the scheduled payment date. Same-day of days in this statement's billing cycle. payments cannot be edited or canceled. To calculate the daily balance for each day in this statement's billing cycle, we: YOUR CREDIT LINES - The Total Credit Line is the amount of credit (I) take the beginning balance: (2) add an amount equal to the applicable Daily available for the account: however, only a portion of that is available for Bank Periodic Rate multiplied by the previous day's daily balance: (3) add new Cash Advances The Cash Credit Line is that amount you have available for Balance Transfers, new Cash Advances and Transaction Fees: and (4) subtract Bank Cash Advances. Generally. Bank Cash Advances consist of ATM Cash applicable payments and credits. If any daily balance is less than zero we treat Advances. Over the Counter (OTC) Cash Advances. Same-Day Online Cash it as zero. Advances. Overdraft Protection Cash Advances, Cash Equivalents and To calculate a daily balance for each day prior to this statement's billing cycle applicable transaction fees. that had a Pre-Cycle balance: (1) we take the beginning balance attributable MISCELLANEOUS - Promotional Rate End Date: This date is based on a solely to Pre-Cycle balance (which will be zero on the transaction date of the future statement closing date. If you change your payment due date, this date first Pre-Cycle balance): (2) add an amount equal to the applicable Daily could change. The New Balance Total which appears on this statement is not a Periodic Rate multiplied by the previous day's daily balance: (3) and add only payoff amount and may be subject to additional interest charges when you pay the applicable Pre-Cycle balances and their related Transaction Fees. We in full after your statement closing date. Please contact the customer service exclude from this calculation all transactions posted in previous billing cycles. number located on the front of this statement for a pay-off amount. Virtual cards are the digital form of your eligible physical credit cards stored within a digital wallet. For the complete terms and conditions of your account, consult your Credit Card Agreement. This account is issued and administered by Bank of America. O 2019 Bank of America Corporation Bank of America is a registered trademark of Bank of America Corporation. PAYMENTS - We credit mailed payments asof the date received, if the payment is: (II received by S p.m. local time at the address shown on the remittance portion of your monthly statement: (21 paid with a check drawn In U.S. dollars on a U.S. financial instiwdon or a U.S. dollar money order; and (3) sent in the return envelope with only the remittance portion of your statement accompanying IL Payments received by mail after S p.m. local time at the remittance address on any day including the Payment Due Date, but that otherwise meet the above requirements will be credited as of the next day. Payments made onhie or by phone will be crectted as of the dated receipt if made by S p.m. Central. Credit for any other payments may be delayed up to five days Cash payments made with our tellers or ATM with Teller Assist (ATA) will only be accepted with a valid identification 1101. No payment dull operate as an accord and satisfaction without the prior written approval of one of our Senior Officers We process most payment checks electronically by using the information found on your check. Each check authorizes us to create a one-time electronic funds transfer (or process it as a check or paper draft'. Funds may be withdrawn from your account as soon as the same day we receive your payment. Checks we not returned to you. If you have authorized us to pay your credit card bill automatically from your savings or checking account with us, you can stop the payment on any amount you think iswrong. To stop payment. your letter must reach us at least three business days before the automatic payment is scheduled to occur. Change of Address/Phone number: Online at www.bankofamerica.com Please do not add any written communication in this space. AB EFTA00123676  I December 22 - January 21. 2019 Transactions Transaction Posting Reference Account Date Date Description Number Number Amount Total Payments and Other Credits 01/17 01/18 Online payment from CHK 2 0748 —100.00 TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD —$100.00 Interest Charged 01/21 01/21 INTEREST CHARGED ON PURCHASES 8.81 01/21 01/21 INTEREST CHARGED ON BALANCE TRANSFERS 0.00 01/21 01/21 INTEREST CHARGED ON DIR DEP&CHK CASHADV 0.00 01/21 01/21 INTEREST CHARGED ON BANK CASH ADVANCES 0.00 TOTAL INTEREST CHARGED FOR THIS PERIOD $8.81 2019 Totals Year-to-Date Total fees charged in 2019 SOX Total interest charged in 2019 Cl 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 23.24%V $ 446.58 $ 8.81 Balance Transfers 23.24%V 0.00 $ O.CO Direct Deposit and Check Cash 26.24%V 0.00 $ O.CO Advances Bank Cash Advances 27.24%V 0.00 $ 03.0 APR Type Definitions Daily Interest Rate Type: V- Variable Rate (rate may vary) Page 3o14 EFTA00123677  December 22 - January 21, 2019 Eat. Shop. Skate. Save. Use your Bank of America' debit or credit card and get 10% off at the snackbar and on skate rentals. Learn more about Winter Village at wintervillage.org. Bitaltef Mirka Winter Village at Bryant Park' Additional Information Need to dispute a transaction? For the fastest dispute resolution, please contact the merchant. If unsuccessful, simply file a dispute online www.bankofamerica.com. Select your credit card account, click the ginfonnation & Services' tab and then select the "Dispute a transaction' link under the 'Services' section. Page 4 of a EFTA00123678  Customer Service Information: BankAmericard Bank of America S' www.bankofamerica.com 1.800.421.2110 TTY: 1.800.346.3178 Mail billing Inquiries to: Bank of America P.O. Box 982234 El Paso TX 79998-2234 Mail payment to: Bank of America P.O. Box 15019 Wilmington DE 19886-5019 January 22 - February 21. 2019 Account Summary Payment Information Previous Balance $367.14 New Balance Total $173.44 Payments and Other Credits —$200.00 Current Payment Due $25.00 Purchases and Adjustments $0.00 Fees Charged $0.00 Total Minimum Payment Due $25.00 Interest Charged $630 Payment Due Date 03/18/2019 New Balance Total $173.44 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 $11.000.00 $38.00 and your APRs may be increased up to the Penalty APR of 29.9996. Total Credit Available $10,826.56 Total Minimum Payment Warning: If you make only the Total Minimum Cash Credit Line $3,300.00 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 Cash $3.300.00 If you make no additional You will payoff the And you will end up Statement Closing Date 02/21/2019 charges using this card balance shown on this paying an estimated Days in Billing Cycle 31 and each month you pay statement in about total of Only the Total 8 months $184.00 Minimum Payment f you would like information about credit counseling services, call 866.300.5238. BANK OF AMERICA P.O. BOX 15019 WILMINGTON DE 19886-5019 Now Balanoo total $173.44 Total Minimum Payment Due $25.00 Payment Due Date 03/18/2019 Enter payment amount for change of eness/Ohorte number, see reverse side. Make yourpennant one et www.benkolemerica.00m or Mail this coupon along with your check payable ta Bank of MAMMA EFTA00123679  I January 22 - February 21.2019 ON • tO0 •0rKs• 0 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 acme 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 appEcable 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 is calculated by clviding Purchases, new Account Fees, and new Transaction Fees: and (4) subtract an Amual 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 (Inducing new Balance Transfers and new Cash allocate the amount of your payment equal to the Total Minimum Payment Due Advances)•. We cakulate separate Balances Subject to an Interest Rate for to the lowest APR balances first (inducing transactions made after this Balance Transfers, Cash Advances, and for each Introductory or Promotional statement). Payment amounts in excess of your Total Mirimum 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 is 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 bilfng 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. A fee may apply for expedited balances together, and (4) dividing the sum of the daily balances by the number service. To cancel, call us before the scheduled payment date. Same-day of days in this statement's billing cycle. payments cannot be edited or canceled. To calculate the daily balance for each day in this statement's billing cycle, we: YOUR CREDIT LINES - The Total Credit Line is the amount of credit (I) take the beginning balance: (2) add an amount equal to the appEcable Daily available for the account: however, only a portion of that is available for Bank Periodic Rate multiplied by the previous day's daily balance: (3) add new Cash Advances The Cash Credit Line is that amount you have available for Balance Transfers, new Cash Advances and Transaction Fees: and (4) subtract Bank Cash Advances. Generally. Bank Cash Advances consist of ATM Cash applicable payments and credits. If any daily balance is less than zero we treat Advances. Over the Counter (OTC) Cash Advances, Same-Day Online Cash it as zero. Advances. Overdraft Protection Cash Advances, Cash Equivalents and To calculate a daily balance for each day prior to this statement's billing cycle applicable transaction fees. that had a Pre-Cycle balance: (1) we take the beginning balance attributable MISCELLANEOUS - Promotional Rate End Date•. This date is based on a solely to Pre-Cycle balance (which will be zero on the transaction date of the future statement closing date. If you change your payment due date, this date first Pre-Cycle balance): (2) add an amount equal to the applicable Daily could change. The New Balance Total which appears on this statement is not a Periodic Rate multiplied by the previous day's daily balance: (3) and add only payoff amount and may be subject to additional interest charges when you pay the applicable Pre-Cycle balances and their related Transaction Fees. We in full after your statement closing date. Please contact the customer service exclude from this calculation all transactions posted in previous billing cycles. number located on the front of this statement for a pay-off amount. Virtual cards are the digital form of your eligible physical credit cards stored within a digital wallet. For the complete terms and conditions of your account, consult your Credit Card Agreement. This account is issued and administered by Bank of America. O 2019 Bank of America Corporation Bank of America is a registered trademark of Bank of America Corporation. PAYMENTS - We credit mailed payments asof the date received, if the payment is: (II received by S p.m. local time at the address shown on the remittance portion of your monthly statement: (21 paid with a check drawn In U.S. dollars on a U.S. financial instiwdon or a U.S. dollar money order and (3) sent in the return envelope with only the remittance portion of your statement accompanying IL Payments received by mail after S p.m. local time at the remittance address on any day including the Payment Due Date, but that otherwise meet the above requirements will be credited as of the next day. Payments made °nine or by phone will be credited as of the dated receipt if made by S p.m. Central. Credit for any other payments may be delayed up to five days Cash payments made with our tellers or ATM with Teller Assist (ATA) will only be accepted with a valid identification 1101. No payment shall operate as an accord and satisfaction without the prior written approval of one of our Senior Officers We process most payment checks electronically by using the information found on your check. Each check authorizes us to create a one-tine electronic funds transfer (or process it as a check or paper draft'. Funds may be withdrawn from your account as soon as the sane day we receive your payment. Checks we not returned to you. If you have authorized us to pay your credit card bill automatically from your savings or checking account with us, you can stop the payment on any amount you think Iswrong. To stop payment. your letter must reach us at least three business days before the automatic payment is scheduled to occur. Change of Address/Phone number: Online at www.bankofamerica.com Please do not add any written communication in this space. AB EFTA00123680  I January 22 - February 21.2019 Transactions Transaction Posting Reference Account Date Date Description Number Number Amount Total Payments and Other Credits 02/14 02115 Online payment from CHK 2 4862 —200.00 TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD ■ —$200.00 Interest Charged 02/21 02/21 INTEREST CHARGED ON PURCHASES 6.30 02/21 02/21 INTEREST CHARGED ON BALANCE TRANSFERS 0.00 02/21 02/21 INTEREST CHARGED ON DIR DEP&CHK CASHADV 0.00 02/21 02/21 INTEREST CHARGED ON BANK CASH ADVANCES 0.00 TOTAL INTEREST CHARGED FOR THIS PERIOD $630 2019 Totals Year-to-Date • Total fees charged in 2019 $0.00 Total interest charged in 2019 $1 5 11 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 23.24%V $ 31893 $ 6.30 Balance Transfers 23.24%V 0.00 $ 0.00 Direct Deposit and Check Cash 26.24%V 0.00 $ 0.00 Advances Bank Cash Advances 27.24%V 0.00 $ 0.0:0 APR Type Definitions Daity Interest Rate Type: V- Variable Rate (rate may vary) Page 3014 EFTA00123681  January 22 • February 21.2019 Eat. Shop. Skate. Save. Use your Bank of America' debit or credit card and get 10% off at the snackbar and on skate rentals. Learn more about Winter Village at wintervillage.org. Bitaltef Anierka 4"" Winter Village at Bryant Park' Additional Information Need to dispute a transaction? For the fastest dispute resolution, please contact the merchant. If unsuccessful, simply file a dispute online www.bankofamerica.com. Select your credit card account, click the ginfoimation & Services' tab and then select the "Dispute a transaction" link under the "Services' section. Page 4 of 4 EFTA00123682  Customer Service Information: BankAmericant Bank of America www.bankofamerica.com 1.000.421.2110 TTY: 1.000.346.3178 Mall billing inquiries to: Bank of America P.O. Box 982234 El Paso TX 79998-2234 Mall payment to: Bank of America P.O. Box 15019 Wilmington DE 19886-5019 February 22 - March 21. 2019 Account Summary Payment Information Previous Balance $173.44 New Balance Total $2.68 Payments and Other Credits -$173.44 Current Payment Due $2.68 Purchases and Adjustments $0.00 Fees Charged $0.00 Total Minimum Payment Due $2.68 Interest Charged $2.68 Payment Due Date 04/18/2019 New Balance Total $2.68 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 $11.003.03 $38.00 and your APRs may be increased up to the Penalty APR of 29.9996. Total Credit Available $10,997.32 If you would like information about credit counseling services, call Cash Credit Line $3,300.00 866.300.5238. Portion of Credit Available for Cash $3,300.00 Statement Closing Date 03/21/2019 Days in Billing Cycle 28 BANK OF AMERICA P.O. BOX 15019 WILMINGTON DE 19886-5019 Now Balance total $2.68 Total Minimum Payment Due $2.68 Payment Due Date 04/18/2019 Enter payment amount for change of &flees/Ohm. number, see reverse ale. Make .frour payment onfine et www.benkolemerica.00m or Mail this coupon along with you? check payable to: Bank of Armistice EFTA00123683  I February 22 - March 21. 2019 One • COO •0rKs• 0 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 acct.* 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 is calculated by dividing Purchases, new Account Fees, and new Transaction Fees: and (4) subtract an Amual 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 (inducing new Balance Transfers and new Cash allocate the amount of your payment equal to the Total Minimum Payment Due Advances)•. We cakulate separate Balances Subject to an Interest Rate for to the lowest APR balances first (inducing transactions made after this Balance Transfers, Cash Advances, and for each Introductory or Promotional statement). Payment amounts in excess of your Total Mirimum 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 is 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. A fee may apply for expedited balances together; and (4) dividing the sum of the daily balances by the number service. To cancel, call us before the scheduled payment date. Same-day of days in this statement's billing cycle. payments cannot be edited or canceled. To calculate the daily balance for each day in this statement's billing cycle, we: YOUR CREDIT LINES - The Total Credit Line is the amount of credit (I) take the beginning balance: (2) add an amount equal to the applicable Daily available for the account: however, only a portion of that is available for Bank Periodic Rate multiplied by the previous day's daily balance: (3) add new Cash Advances The Cash Credit Line is that amount you have available for Balance Transfers, new Cash Advances and Transaction Fees: and (4) subtract Bank Cash Advances. Generally. Bank Cash Advances consist of ATM Cash applicable payments and credits. If any daily balance is less than zero we treat Advances. Over the Counter (OTC) Cash Advances, Same-Day Online Cash it as zero. Advances. Overdraft Protection Cash Advances. Cash Equivalents and To calculate a daily balance for each day prior to this statement's billing cycle applicable transaction fees. that had a Pre-Cycle balance: (1) we take the beginning balance attributable MISCELLANEOUS - Promotional Rate End Date: This date is based on a solely to Pre-Cycle balance (which will be zero on the transaction date of the future statement closing date. If you change your payment the date, this date first Pre-Cycle balance): (2) add an amount equal to the applicable Daily could change. The New Balance Total which appears on this statement is not a Periodic Rate multiplied by the previous day's daily balance: (3) and add only payoff amount and may be subject to additional interest charges when you pay the applicable Pre-Cycle balances and their related Transaction Fees. We in full after your statement closing date. Please contact the customer service exclude from this calculation all transactions posted in previous billing cycles. number located on the front of this statement for a pay-off amount. Virtual cards are the digital form of your eligible physical credit cards stored within a digital wallet. For the complete terms and conditions of your account, consult your Credit Card Agreement. This account is issued and administered by Bank of America. O 2019 Bank of America Corporation Bank of America is a registered trademark of Bank of America Corporation. PAYMENTS - We credit mailed payments asof the date received, if the payment is: (II received by S p.m. local time at the address shown on the remittance portion of your monthly statement: (21 paid with a check drawn in U.S. dollars on a U.S. financial institution or a U.S. dollar money orden and (3) sent in the return envelope with only the remittance portion of your statement accompanying IL Payments received by i1133 after S p.m. local time at the remittance address on any day including the Payment Due Date, but that otherwise meet the above requirements will be credited as of the next day. Payments made °nine or by phone will be crectted as of the dated receipt if made by S p.m. Central. Credit for any other payments may be delayed up to five days Cash payments made with our tellers or ATM with Teller Assist (ATA) will only be accepted