Exhibit List PartyCal. Super. - 6th Dist.October 16, 2019Hunt & Henriques, Attorneys at Law Donald Sherrill, Esq. ¹266038 Janalie Henriques, Esq, ¹111589 Kevin Brendon Buiza, Esq. ¹318691 7017 Realm Dr. San Jose CA 95119 Telephone: (800) 680-2426 Facsimile: (408) 362-2299 Attorneys for Plaintiff 10 SUPERIOR COURT OF CALIFORNIA, COUNTY OF SANTA CLARA SANTA CLARA SUPERIOR COURT DISTRICT - UNLIMITED CIVIL JURISDICTION 12 Plaintiff, 11 Bank of America, N.A., Case No. 19CV356839 PLAINTIFF S PROPOSED TRIAL EXHIBITS Ãgcr ~ & g Cl $ 13 D CV ch 8 ~~ 16 17 18 19 20 21 22 23 24 25 26 27 28 MARK A MESTRESSAT, Defendant(s) DD0002BD i KBU Page 1 of 1 Plaintiff s Proposed Trial Exhibits 1364892.001 Electronically Filed by Superior Court of CA, County of Santa Clara, on 4/14/2021 11:29 AM Reviewed By: M. Sorum Case #19CV356839 Envelope: 6238998 19CV356839 Santa Clara - Civil M. Sorum VISA IGNATURE BafTItAmeriCard' ~o~er Raw~id~. MARK A MESTRESSAT Account Niimber.~~~ 0877 June 26- July 27, 2011 Accouiit liifbrmation: iimi.lisnkofsmri ira.ront Mail billing inquiries to: Bank of Amrriiie, ILO. Brw 9$?uab Pl Paso, TX 79998 3885i Mail payments to: Biiiik of Xiii('I'ira P.O. Box 30I'00 Los Angvlcw CA 90030.1800 Customer Service: 1800,421 1?I I 0 (I 800348i3178 'I"I"rq New Balance Total .. Current Payment Due ..$57.17 ... $15.00 Total Mmimum Payment Due... Payment Due Date ..$1.5 00 ...8/23/11 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 $35.00 and your APRs may be increased up to tile Penalty APR of 29.9944. Total Minimum Payment Warmng: If you make only lhe Total Minnnum Payment each penod, you will pay more in interest and it wgl take you longer to pay off your balance. For example: Previous Balance......................... $53.00 Payments and Other Credits...,........,..-53.00 Purchases and Adjustments............... 57 17 Fees Charged..................,................, ...,...........0.00 Interest Charged.................................,.............0.00 New Balance Total ..... ...$57 17 Total Credit Line.....,................$11,000.00 Total Credit Available................. $10,942.83 Cash Credit Line,.........................$5,500 00 Portion of Credit Avatlable for Cash ................................ $5,500.00 Statement Closing Date .............. 7/27/11. Days in Billmg Cycle ...................... 32 Only the Total Mmimum Payment 5 months $63. 17 If you would hke information about credit counseling services, call 1 866-300-5238. Tfuucucrfcu Pure Pu Irug I?cre occcppicu Refercucc Nu I A Nu ubu Amp I ri Tutu I 07/21 Payments and Other Credits PAYMFNT THANK YOU -'. 3.00 -$53 00 06/30 0 7/01 Purchases and Adiustments WALGREENS g3378 SAN JOSF CA 9269 0877 57.17 $57 17 07/27 0 I'/2 I'7/27 07/? 7 07/27 0//2( interest Charged Inteiest Charged on Purchases Interest Charged on Balance Transfers Interest Charged on Dir Dep?LChk CashAdv 0 00 0.00 0. 00 0877 BANK OF AMERICA P 0 BOX 30I200 LOS ANGELES, CA 90030-1200 Account Number: ~~~0877 New Balance Total .. Total Minmium Payment Due. Paymenl. Due Date . $57.17 15.00 . 08/?3/1 1 MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 951 18-2325 PLAINTIFF'8. EXHIBIT Enter payniriit amount $ Chccc bcfc ford cf* gu cfu y I gcddf sc uf cfrune numbers Please prbrfdeugccr eccc r c Iuu urufcu sde Mailthu upcnuiungwihy heck pay piete aunkuiit IB 7 8'01 I IMPORTANT INFORMATION ABOUT THIS ACCOUNT USE?11 Rev. 06/11 ~ CUSTOMER TIPS FOR DISPUTED ITEMS Manyt&m«d&&puted &ha&Fi scal &mtm&stechs&BP»ihatcustomervmaynott'c&ugr&ise orrpm&mb w Befr&r& li.put&n "a &hsrgr,vcr «»nn&cnd tl»it you v& rifya feivthmg& &inri»«ke&v&wroffu ttor &ohpthe&biputcwith&bcn&prchml Oftcnthcmcrrhantcan e&swervourquest&onsandrsvdv&csol vyonrd& puto 'I'Lcm&&vhmt,'.phonemunbsr mov be lucated un your & creipl or 1&db0g st iten&ont, Has a credit posted to your account? Pipe r allo» opto'Jfidav )rom (br&Etc on&mn crc&ht voucher or s k»owlc&ig& »10»t left& r tor the ~ &c& & hs»t r&'&'du to p&mt ~ Is the charge or amount unfamiliar? t)hcclr &v) 1 b ot her pe sons ant bodes&1 to u, c the accounr tn &ns ke surr they d&(l not make thp ct&ark&» tt && l&osv&til Bmt the merchants* b)fimg nan&e. and store &mmes arr d&tferm&r ore&noants can pasiiy be conf&sed with. »niiar charg&sormciudet&p,. Otw &vay to checl for the credits or to view transact&on dcta&is i 'o look at your ac& ount statenwn is ou )in0. If 1 ou are no) 0 no &licit in Online Banking, it &0 envy to enroll using the seh address on rhe f& ont ufyour staten&ant or 'i)e u, a csfi, Please remember& Ifyou find e& error on you r hifi, yon must noti f2 us no l ster than 00 days after we sent your first state ment on which the error or prob)en& appenred to preserve your bi Bing right» ONLINE Onilr&cBnnl ingisa&sdabl xdimursadsv 1 livia wockan&l .dlo & i you tome» ihc most r& c nt tet 0) iy on ou& account, PHONE 0 1.600.200,0212 I&m pron&pt s& t vi«pl«sc lmv& th&& mcvclmnf &wt'c& cncc nu»&bpr(s) ,&va&Lshl forthccimrkr(s)in&i» vt&0». MAIL Attn: BiBing In&9&iries PO Box 9829!5, El Paso, TX 79996 Whon &w&tin B please inriudc Yuur Nn &uc, Account Number, I ho IHI Disputed Amount, Merchant Name, Transaction Date, andreference nun&bar r&f the &2 sputcd item an&1 i pen lie data&le regard in» your &lispato, inrlu&iing dates of cm&tact v ith thc merchant ami the merchant's response n& pi h in&tan& p. Please &»rind . »)l . nppo&xn&F dom&mentat&ou,&nriuding. ale»sr&dee&htvourhers,&ont&a&tend pn'&1 age r&'turn & 0&'0&f&t sas p&&101 of 1»&v I' t&»'&i. PAYtNG INTEREST Wo v &6 nr&t ebs&ye interest &)n 1'nrch tees on tbc ix vt &tatom ant ifyou pay the Neiv t)slanro'Tot &I &n t'ufibv (bc I')vine&t l)uc lialr &mdrou hsd pmdm full by thp prcvinui Payment Doc Dat&. JVP w&i)he" »1 chardin one&'cst &»I Balance 'fransfers an&I Q&sh Advances on th ten&art&on &lot & . CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Avert c l) uly Balance kt& thod (m& lurimk &v& Puvrhase&L )Vecalculate. &1»tratcBalmcssfiubipc&toan)ntprcstRnt& ti&rPurchasesandfo& osrh lnt& oducforv or Prim&ot iona) i)ft'&» balan e wms&. tm of I'urchases. (Ye do tlu& hy: Il) rslcul &tinge dady1 at&ace f&w earb d 6 m lbu hdhn«, '&d&,12) sddu&p sfi the &ta&l& bnls neo. to pther; and (2) &J&rxln&g ( bc, & im oi the deih balances by thc nun&ber of &lave in the 1»lhng cycip. To ralculatc the ds&lv halancp fu& ca& h day m ii»s statemeni'& l»limp cycle, »: II) tskrlhche)'innin" 1&&L)ncc;fg)a&id:mvm&»uito&pm) tot)»,spplic&h)el)&ilyPerio&hr )tate mul&iphedbv the t»ei&oo &t»rb dnd& Ixd»oco; I'I) a&tdneiv P»r& he&a&. new 5 r& unt Fees, and nm "lian. artion F& cs, and (qi ubtra tepid)rshlr. paym& nt& and «mbt , )fany da&lv l&nlance&vlcs&thanro&o i»boat&tie«iu. AverageBaiancc Metho&i(inclu&hngne»Balaurc T&ansferssndnewCsvhAB&sncesk We calcu)etc»&¶te Balances Sub)cr.i to an lnteros&t Rsto fov Balance Tranders, Cash Advance(, and for & s& b In t rod u& tory or Pro met»in &1 Offrr f»dan«1 cone sn ng of B»iancoTran.('crsorCsshAd anrc& Wpdothi.l&v tt)calcu)atm a&Lmlyhahnc.ioresch 6».u&ti»s&taten& nt',.1»)in& c«lc,&'!I ak.»l&tn»»&dnl »islu&w&*f&v .acbdayp&»&rto(lu& itstcm&r&t/ f»firn rvclc )1«t h»l & I'& '6 ish; lu& &y -s pro (1)clcbsisn«&&a 6 &Jan«i Transt'&vor;, Co-h&din» c &i&h:& &tan .» Ium irate prtor to this itaterncnt'ilnfiin cire& hut& &th &post»q«l it »lnntln & »en& nl'»11&n&cvclr(ll ubhnv afi&he&b»iy hutsnrr. rogprhp&,e»lie)di «Inwthp 0moi thp&Luh balan« ~ hvthenu&ubpr tdsyvm Itu sin&prueuibinlln& &icl» Tor&i«d» tl» I, I 9 &I inc t » c &bi &vmtl ~ tatcm»t,l»fin&»&vile,s:(I) mult&pbedl&vth ptvv&ou. Ln Imhb&Mn&,(1),»ktnc»'Balm&»)venal&'r,nc»&'svh A&I&&u&c«;n&'1 m»a&rum l« ' 0 l&J& No, &I &I pb& ihl" psymc»t ~ n»lc&&'0 ti B mv dcilylwl&n&e& lc,&thin»Pro .&&cuit,&,s &0 I'0«drul&t«& inly( al»n&rt'or vuhd&m»0«otlu i&, tpmentql»ihn:&rk th it hadst')P ('&rlchaiu&cv tii "'&kcth I&" nnn i)»U x itt»hut &hi ol h toi' (1»b halo»« fsluchmlih c» 0(hct, -,«u» i I&I« I&h fir I I'» I'«lchal&n&*2(2& 061:& ~ am& nntc&pml toth«.,ppl»«lik Univ I'«odu: Rnrnn)lt)ph dhvrix pre& ~&udt)'00 1&0)ui c,tgi ind iklonb &h., i)phrihlp)'rr.('1 let»inner&»»1th» &Plated II'Jns»&t&0»FO'«'&'\&'h&tl 'f& 01th «&i&olin 0»»III&»1 « I»»& i istcd»1)»&vino» f»thngcv:h TOTAL INTEREST CHARGE COMPUTATION lnu & 0»( Charges accrue anil a&v &ompnu n&k &I ou 0 &lady ix&sm. 'I'0 &b le& muw thc lnterc tCB»&'L&wwcmnltqdyeachBalm(cgubjcct folnte&iwtfb&tcly&tvsppb&,d)lt'J)sdv Per&odic Rate and tlef result is n&ultq&heal by the nu&nbcr of rlays u& r lip hill&ng c) & Ip. To deternfinc tbe total lntervet Cia v p for the l»lhn "cycle, &m sdd ti» Pe»of&c R &t el ntc& es) Clutrges tog& tb&w. A Holy Per&odi& Iiato &0 ra)col &ted by &hvxima,m Amiual Percent & 2&& Rat. by,"65 HOW WE ALLOCATE YOUR PAYMENTS lfy&uracrounthashale&ccs& &IhdifforcntAPRe,&vc»dlalloeitpthctn»&untof ynur paymcnr & qu»1 to tbp Total lvlmin»m& I'ayn&cnt i)uo to thc lo&ve. t A FR baisnc s hrst f&ncludin 'ransact&onv made aftm thm &tstcu&ant) lb&vnwnf amount." in r&c& ss ot'I our Total fvhn&mrna Payment f)ue iv&6 be spph& I to 0 danrre with In& hpr 2 I'Rs hefo& e balances within&ver APR». IMPORTANT INFORMATION ABOUT PAYti)IENTS BY PHONE Whp« u.&nq ibc opt &0»al Pay hy Phone &e&»tv, vou sutl&ct &re &&0 to i»&t&st min electron&cpaymcntfromvuura«&»mtsl (bc)i)inr&sl &nstuunony edcs&pi»&tv Youmu.i autixir&se fho amount nod tun&rN of& ach p tymcnt. I or)uu& ptotcclion, we w< &sk Jo& se cue ty inforn&at&on. A fee may apply for expedited sc& v&c& . To cancel, call us before t br schoduled payqn ant dato. Ssmr-day pain&on ts cannot be ed&ted or canralod. YOUR CREDIT LINES The Tot a I Credit Line is the 0 mount of c red» a) ul &hie I'&r the Mco un f; hoivever, on )v 0 port&onofthati, ava<blefo& BankCashAdv&»rc& Th& C&sht'«&l&time&» theta»&0»nt v»ha&os aihbloio& B&ni (shkd anr i Ucmrdl& i)onk( ivh )(v n icons& iot ATitf (3&eh Advancoe 0 'sr the( ountc& IOTi') Cash q&t&m)rv, liame i)ai &)nbne Ca h Ad& sum&, Ov& &d& at't R otc& tion ( 0 5 Ad&unrri, Cnsh Fqu&valent., t(ct 0m cd P t«m nt, ind spplwsble rrans& rim& ti « MISCELLANEOUS '*f'&00»)t»m&a) Ratp Bod l)atp. Tin-0 &tv &. hs ) 6 on& I'ntnr tatpm( ni rlo-mg lst If&0» & h)ns&'. &0»&'p&v&n&'»I &h&ed u&x &tus 01tp c») 1 ban" . I « np«&'Isla '»&PI &up&'I f(PI r»xh»on& u& & rdc) to &in ibfv I ~ & Ihc prim»»&0» &I «Ir I)o& th&'compipt',tcrmsandc)eh&&ore 1)o&a ncruunt.c nsul«ou& 6&'rd»C&rd 'u &wcmcnt FJA(k&r&t derv & ca &is Ii «lcn &m '&'f FIA (1&r&l, ct ace g 6 Tin,'«wum t«&.urdendadnuni t&&pdh) I'IA(:J&JS»»c ..N ). PAYMENTS i('re'd»n&ulpd(e&&n'n&-,&& fib& l&t« I cd.ittb'i)&vs»'&&t&s.(lircm»'&'dbr 5 pm. Iortl»m,ir th,nl bc. h n 0 th rm«t mr& -lq on th&" ttont 0(vourm n&hi s&stmn&nt.f!)pm&iwith 0th & I. 6 m»n C „dofin-on ) I B. Iinsnr«lm t&tutenor »CS dollarmoneyordcr snd(&& &ntin th&»tu&ne& clopv&w h only thcr&m&tt &neo pm&iono/vou&.is&vein(a«ompaniman p«mcn)v &eimvcdl&ynxulaft &.5 pm.local holes« t& ' »otto»'t'« tld&'&s »au& 6 & u&&hubna tbc P»»n& at Doc D &tc,bul &hit 00»'I'i'&..&'»'&'&th&' 1 0&c&c 6 u OIC»I, ii ) p «'(&d»p 1 &, fth&'pit li& Pave&cot& madconbnrorl» pt&on&» fiti cl &c) i ~ ofitmducv(rcccip«fma )eh& &pm Cvntr&l. tirrd&t for enyo)her f) &)alp»t, »'& n 6&' &ta &'6 up &0 1&v 01 M)ps&'&opt&tel'&sfiop&'» t&' .&0 I '& I,»& I»i»sf» '»0«'»'Ittx»»tbcp&«»'»»tt&'» &pprovslofoneof&nu 9 n&u& O)t&rcr )Vii»00 . most p&& ment&1» 'I, cl.«', 6 t» u &n t)wu&to&nu)rxml ural»& 00& &hid»F»bd&ccl»»uk»&«'in I «cue,&0»& nn&cele&a n» fu» I n»&sic& 10&' rucc','1&s &chcc1&01 Ji&ie& draf&) Funds me bc( lthd&»&»i&0&»&0&r, & onlt & , 00» &I &bo a»lt' «'&c CI '0& i»1 01 '& I I 6 'I . u&'. I &'n &'n&'6 I »& H» &no&rmt'mmat&onot to)top th ip timur( mi tm»st r,& &fin .» tl ~ 10»&t»'& 6 1 0 0» tbc f&'»u it» ui«& autho&r«dn r p: vyonr( I t,» )I dl ant& m it&riih b n»&ou«, ma I & I»'&'1&»19 a&'»n&»itt1 ua» u & ~ I I l)l &h 'un& '»I »&,»»,o»»un vo» &h»d »r&mg 'I'0stoppnymrn&,vm'rlc&tm mu t «in,&t )put thrc& ho &n diy hi ior th&.J»&00&)tx'pi&»»'0« . hi* Jul '61»l»u& ,(d&J) '»1 &iddrp&s! 5&»&&'q) &(r&'1( )&h'2 ) tom&. 1'bonr )»;&I'rk. )('0& k I'(& o n& If your hifiingaddresv or contact information hse rhanged, nr it your address is m correct as it appears on this biB, please pro) &de afi orrectmns here. 0332 VISA IG NATURE BankAmeriCard'ower Rewards. ~~~ 0877 June 26 - July 27, 2011 Page 3 of 4 T scsssr c Dare Pest uvre Dessrpcoc 6'ereiense Nvrsoer Acccviir Nvsiosr Am over Toter 07/27 07/27 Interest Charged interest Charged an Bank Cash Advances TOTAL INTEREST FOR THIS PERIOD 0. 00 SO.OO Total fees charged in 2011 )otal interest charged in 2011 $0.00 $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Purchases Balance Transfers Drrect Deposit. and Check Advances Bank Cash Advances Annual Promotional Percentage Transaction Rate Type 11. 74SV 11, 74 SV Cash 16.99SV 19.244V Promotional Offer ID Promotional Rate End Date Balance Subject to liiterest Rate SO.OO 90.00 90.00 60.00 interest Charges by Transaction Type 60.00 60.00 90.00 90.00 APR Type Defmitions: Daily Interest Rate Type V= Venable Rate (rate may vary) BANKAMERICARD POWER REWARDS 57 EARNED THIS MONTH 0 REDEEMED THIS MONTH 3,777 TOTAL AVAILABLE VISIT BANKOFAMERICA.COM/POWERREWARDS 003 004 VISA IGNATURE BafykAmeriCard'ower Rewards. MARK A MESTRESSAT Account Number: ~~~ 0877 July 28 August 26. 2011 Account Information. sm s .banko5r nw ribs i om Meit billing inquiries to: Batik of Amerini P.O. Box 98?285 I'.I Paso, TX 79908.2285 Mail payments to: Bank of A manes P.O. Box 301200 I os 8 n 8f los, C I c00801?00 Customer Service: I,800421.8110 I! 800341) 31 78 TTYI New Balance Total . Current Payment Due . $ 55.02 ..$ 15.00 Total Minimum Payment Due... Payment Due Date.. $15 00 ..9/23/11 Late Payment Warning: if we do not receive your Total Mmmium Payment by tlie date hated above, you may have to pay a late fee of up to $35.00 and your APRs may be mcreased up to the penalty ApR of 29.9988. Total Minimum Payment Warning: If you make only the Total Minimum Payment each penod, you wig pay more in interest and it will take you longer to pay off your balance For example: New Balance Total.... ....$55 02 Total Credit Lme.. Total Credit Available.... Cash Credit Lme . Portion of Credit Available for Cash ....., Statement Closing Date Days in Bilhng Cycle . $ 11,000.00 ..$ 10,944.98 . $5,500.00 $ 5,500.00 8/26/11 .30 Prewous Balance.................$57 17 Payments and Other Credits.........-57.3.7 Purchases and Adiustments ...........55.02 Fees Charged ................................................0.00 Interest Charged ...........................................0.00 Only the Total Mmimum Payment 4 months $59 52 If you would like information about credit counsekng services, cali 1-866000-5238 7 mfm Dais posh«8 Dd (2 De b«pf Reference N mbvf Abbbvm N»bv rbfdf 08/17 Payments and Other Credits PAYMENT THANK YOU -5/ 1/ -$57. 17 07/28 07/30 Purchases and Adjustments WALGRLENS 83378 SAN JOSE CA 1799 0877 55.02 $55.02 08/2G 08/25 08/26 08/26 08/2fi 08/26 interest Charged Inteiest Charppri on Purchases Interest Chdiged on Balance Transfers Interest Charged on Dir DcpSChk CashAdv 0 00 0 00 0,00 Ij8 7 7 BANK OF AMERICA P 0 BOX 301200 LOS ANGELES, CA 90030-1200 Account Number: ~~~ 0877 New Balance Total .. Total Mmimum Payment Due .... Payment Due Date $55.02 . 15.00 ...09/23/11 MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95118-2325 Fnter payment amount 5 check fere fora bhbfae bfhlaiffhc Addi« s d ffhdf «bmmfs Obese p bv de bff fb«erfidhs r h the reverse * r'f. M I ih *vpcn slops wiin your check p y oie ic achk bf hm s QB 7 8'05 I IMPORTAIVT JIVFORMATJON ABOUT THIS ACCOUNT USE711 Rev. 06/11 CUSTOMER TIPS FOR DISPUTED ITEMS Manv t&m& s d&&Fute&I cha& gv are k mtnnste ebs& &I& 8 that cu»toner& may not rrcognmc orion&rmh r Bi(or& rli puting arbargv &veiwronuuondihxtywimnfy»f&x thmgh ,uidm &U ov&»y ctTort to re & Ive tbc ilispnto» &th tt&c &m & el»mt Otten the mcrcha&it win ,msxrervour&n&csti&mssr&d& a»&lyrcxol w)mu &livputr.. 'I'bcmcrchxnt'hone numbr& »i &11 t)e luw»ed or& you&''em&if» 0&'h&lhng 8taten&cnt, Hsa I& c&'cd & 'I posted (0 You& 'ic&'0»»i? 1'h 8 ~ &;tg &w i&a to )10 rMYY fro&nIhv &5»r 0» Yr\ur crvd&t w&u& hcr or &&CL»0&YIrilg&'»&c»I k'In &'c&'hv & n'& cha»t cr('8» I 1 peal Is the charge or amount unf&uniliar? Chrck x&»th ot tier prrsm&s w» hodzcd to usr& tbo accounr tn make sure the& d&d not niakr th«t&ar &.It)»posh»)letlmt thcn)erchanth't)&Buignan&es anrl aiorr namrs ar& different or wn cunt» can r na&ly he ronfu»ed s»th. unilw'hnrgvhmmr,h»letipv. One wa) to checl& for tho credits or to vie» transact&on detmls i» to luck at?our ace&»uii st&» ments or»me If )ou ceno( enrolleil in Onlino Banking. &(» ca)&'o enrcB uvu&g ibe» rh ad dress rm the front uf vour statem cut or vi)e us a c»B, Pie&sr remember:Ifyou findanerroronyourbiH,yourn»st»et(LY»snolatertban 60 days after we sent your first statement on which the error or problem appeared tr& pre serve you rbi) ling righlh. ONLINE Onl&nr Bonl ma i. avail ihti 24 luiurh ada).? darh & wv(k «nd al)0»')'00 &0 '»''hc»«&six'«' t oct« I'( 0» '&ci&I 8('cox&0L PHONE 8 1.866.206.0242 l&m piumpt sr & vice. »Ir &sc I»x c th&.'rrrhw&t rafcrcncc numbe& ( ) I wlahlr fo& th( ctviigi t. )in q»rht&00 MAIL Attn: BiBing Inquiries PD Box 982285, El Paso, TX 79998 When wr&tm", pleas 0 inc)»dc Your N&une, Account Number, the IHI Disputed Amount, Merchant Name, Transaction Date, and reference number of'tbe rbspuled item md vpeciii&, details rekxrrli rig your riispote, in& ludmg dates of contact v ith thc mercbarit and lhc wr»vh u&t Y r& spnnse u& r zch instance Flexes inc)mls n)J»uppo& ting lurnmsntat&ou,u&cludu& v»lcssndmv&btvoucherNrontractan&l posh&«'''ti« » &v«''I pts & '&x&of«f «&&V I et»&'» PAYING INTEREST Wr &v&ll not rha&ye mterest on Purchases on tbe next statement &fyuu pay the New Raf mrv 'Ictni in full bv the Paymrnt l)uc Dat&h an lyon had pxid in fuK hy the previous Ik&ycwnt Due Date. JVr &viB ht'I &n clwr@ng intere»t on Balance Transters,u&d Ca. h Vnl »r»i»onth tiarwact&ondxte. CALCULATION OF BALANCES SUBJECT TO INTEREST RATE /w& r»ge D uly l3 i)a ni v fdcthuil (mclurlml," ne&v Purrh ives): (5'& calm&late r parate Balanre» 8ublert to an Int ere. I liars Inr Purchases and for vach Introductw 1 ci Pro &nut iimal ()ffr i balance» ns& .tin?of Purchases. iV do tlus hy. U) alculxtmg x lailylalaoceforcachdo& mihobillingry&lc:(2)wlding»Ktlicdn&ly twlanrv tu other; snrl (II) rhv&rlmg tl»& vnm of&had»lvhalnnw&, byth&'m&rnhvr »fr)ay» m & bc )» I h n" i y I v Tu cnlcul ate the &1 a ily balan cv fux x» ch itsy in tbi 8 8 la &mnrni s inKu&" cycle, » " (il t & I«. the)» F inn in v hal &err; f ) ) »&Jr) &m 0 mount & qu xt tr& the np pl» »bio 9 && I) I'r ri or)i r 8 &te muh&phedbxtheprv»wihrliv'»dail)hntxnco;t!)Iarl&1&u&vP»r&hxhes.ne Aceoun)Fees, .»i&t n & 1i,in,u t io» I'e . end I si subtract applicatdc pxymcnth anrl cre&hts. If anv tash 581 &ncc 8 tea» th«n &0rt1»e I«''ot It ah zc&'0 Average Balance klctbod(includmgnewBalance Trnnst'ersandnewC»cbAdvancrs): Wee&) ulatescparxt& Balance»SubjocttoanInterestBatcforB»luxco Transfers, C & sh Advance), 0 n&I for each la trod u r tory or Pro¬»&n»1 Dffw balance ron a& atmg of Jmt &wc'Iran fci &»CshhAG&»rxcev.tyviloihisby.(1)calculatmga&Iailrlmkxnm forrach la in ihi,t»tvn» nt'&lima &yclc; (?) alcnlatmr: ada&lv I&atoner fm cnch day pi »&r t0 tin» . &. (& mw &2 higu&q&y&lr ttiit ha&1 8 "I'& c Cvclo I&& Isnw".- 8 Pr&"()) I * tial mr&. &) 8 Ka inn 0 'lr»n,'«&~ 81'avl& (d an& '»htt&anaa&'tmr)daiepr&O&t»tl». Yiat&m& 8'»0 nil & Y:Ic hut xi()i,&pc tm ilntrwithintlu. statcmcnt* !nlfmkcyrhq f 1),«khn,xllthc&lmly (xnl»nrisr &r«h&i:anrl&4)d&vrihngilmhu»&nfthvdwlyhala&&rv hy&henu&ni&er»1 cloy u& st,» 0»'»& hdt»&v ('i'&'lv Tc( i)nil itcttn duli lxiluirr for& &&hit &ym tlu . I x&emrn&, l»ll»iui& i&.x r &I) NU tl»)» niv Ih&lini .K')&ii) )»naniruiiir Pi)ltoth x(Pic»bi& I»il& I'«i»»i&(tot& &nultipl» dhvth pr &musd&vb&1aib balanr;(d)»ldn» i)el ~ &cc'Iran»Jcr-, r&c» LLCI& &0&»«',»»I I « &»«« » I«' '. »» I M)»ht«, I 0Pidh XKIC)V&)'»»'»I,& & 1 C& )8 I II & IV I&» &n c & lvxs &I»«zc& o e» c &1 &I as «ro. 'l»&d»il »& .i dmlvl al»nc( ti&rv (hdsrpncrtctlnhs( item ntk hi)In&8c&rk that ha). I''& I Nxlvrv,(l)«&akvlh hv mni&viwluic c&h&hutihl ).I lip& "('x&lr (w4 «»lwh igb:&ri vn&hc&iausw&i I, i ofthvlir II'"('& lch&l»ii ).N) ,»hl &n&mwm& vqu 8 t & the, ppl&r &5k l»nlv I'&'n»hv Ketrmult&plwdbr rlirprw»&u di -i)oil hiUn«(')) w&i)wlrlwdx (br&pphcableP» (!&il hxlancv ~ an 1thwrrvlate I It»&h«'«»& Fc '(r('x&'5&ii 'f&'0»& lb&)calcu) »»xn»K t& n» w»i»&) pc»md»& 8&v n»& * b»l nz&v I TOTAL INTEREST CHARGE COMPUTATION Intri e.1 Charac»,&vcrus anil,u 0 rompoundcrl on a &Nily I& iws Tn dvlei tnme the Intevcvt Cl»&rgch wv mnltiplv e»ch llalancv 8»btcct Iu inter&*..t )M tv byir. applicablo I'18&ly Pvr&odir K etc and that re ult &v muliipbed by the t&umber of&lays in the hiBi&m cyde. To &Icternune tt&e tnuil In tercet Char for the billmg cycle, su add the Per&odic Bate interest Cl»irgev tc rthcr 5 9 ulv Pre odi& (tate ih & xlculetirl by 4&vi hnp an Annual Percent &gr K sic by gb5 HOW WE ALLOCATE YOUR PAYMENTS lf vwu nrr 0nnt h i.. holai» r v & irh ihft&vent Al')ir,,)ve xwg aKo& ate the smr&unt of yonr pa) went equ &I tc tlu 'Ib) &il 5'Inm»um Payment 0uc to tha k&&vest AP)t halancv )&rat iuiilu&hn? tranvn& tiOna mnd& after thm ht irVu&anti Pey&uentamOum, in e&«h) Ofyr&ur I'r&tal ivlux&rwuu Payment l)&iv w&K be apphr I i & lialsnc&s &vith h&rhvr 8 Pll, b& fore balance. w&th lower APK . IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE I('5&» ns»»,'l»'1»&o»(il I'a .5) Phon '.. &'I «cc. Cni«u»h&xr&z&'» tc &n&f«1 )0 an ster&re»iv(&aym«xt f&'0»& io»&'»&i&»»101 &he fin xi» & &In&st»»non ron 0& h&m&a&r You nm. t nut t& err& 0 xh &:,xn») uni .uid t im & ng r&f enc h p & ?ment. Ivor 1 our p& etc& t &on, &vc xvd f ask fr&r secu& i tv informs tirm, A fee n&ay apply for Oped&trd. ervice. To cancel, cal) us br fore the scbcrlulcd palment &1atc. Same.i)ay pa?ments cannot be edited or rwneelod. YOUR CREDIT LINES Thr Tot«i Crerl&t Lmv i ihe o mount of» ed» a& a&la) le inr the &iccout»; however on)vs pc&'ti»» 01'th xt&, s,nk hlc for )1»nk Cxhh:id&;«('cs Thc fb h&'«dtt ),mo &h tt»xt a&noun( &. » hxxr i,nl»&il.ici K m)&()i ii \&I .&nc C nc&, Kx lk nk( x t&»l an &Yr»nsi &of ATi)l C i. h 4&hm res. Uxor the Cv» ntci ((Tt'(') C ihh)dvwxr ., Mu»e Doe? Onhne ('ahh .'i&I&»w,() v&8m)'t I'rot& I» n('i h A&»«n ",G&»KFqu& &&5 nt., Ki turned ls&yn&mix, ;i & I «pi k»&1 ) '. « »1,&»&» I 'ISCELLANEOUS "I &WW (Wn»l tl » I n I D» 'I I& -il &tv i. I » &t ru& i fntm vtatrn&en& &le tna&latC lt«n&&lwn «&x u& i&l Inc&I»r.&h& 8» ~ ul&i hu& 1«,nvor« 0 »inst»&ee& I'o& th'&0 nil t 1 &w,xnd«&i&i & -'oi )on&,«count uwhcltxr&ni Crr&t&t(1&rrl (»r min& Il)&Cn&1 'vr& « ~ «, ti & I n &mc ~ Ilvl il n&t 'c«&CC,XA Tl & 8 count &x «., ('( 8»d x&l»»0& 0'Iwl 5& I I i C»il8« &» PAYMENTS I) wwh&nwdrdiw m'nt',&)of thrd&trrw&nv&kitthvp&vmrnt&h (I)& v«i &'dbv pm iu &It&m, rtl» m)h&.- sl» nwi&l» rrmittin & lipon&hclruii f)omni n&hl. t,», mint, i!) 8 &i&I»nb;& r hect dm&vn m i: 8 dolbirh on,x Ch. fu&nnri x) m tituticn or » t. 8 8 9&m&on .*'o&dcr;and(J)hcntm tbe&wtu&ncm'&'I»pew&thon)5(l&crvnuttancc po&&iw&&f&ou& v&»amen(»wo&nr»u&xu& "it Pmmentv«cvi ml)» mulaft & 5» rn.locnl t)nwsttt» ivn& ttnncvad&lrhv orxanydxy&n&ludm&,tliePn)m) ritDu»D tie.(nil &hat othi)w«m it&he,iho« io&im &m&nt .»Kllr:&re)it»)»&oft)» i 0 le&. Pavm ntv &n»l 0& )i«o& I»phon w Kb& &c&b&clx rl'&hr&L»teof«rr: pt fmxdrb)5pm Central. I'r &hi tw &mv»ther)»&ment)ma) he&is)aye luploliveds« K pavrn n& hali &prn»(,&»n,&r&'0&&I,u»i»It&»lr&r&»&n&Y&thon«hrl»«&r&x«ttr& ,q&prw.» 01&mr ofcu& h& n&w OM&rr, 0& ' ~ &&I & I 0 & 'n&r»«h«'l.'rb &'tron«, llvi i 0 »&alt& n»c&»&ar«»1» und r& 0& rhwlc 1„«t& d&c&'k»u&iho«'zvh 0 'o&monte&1 0»&»&narc) &'n'w»\ f»nd t&»&vfvr(or &r» i « (5&'2 0& i &ps&'»it&f1) I'»0\tv»&n t&ca»hdui nl&'0»1 Y»0&''0& I xh &»&» &5&' an& ', »c ere& * 00& I 1&0&en& (. 5&', & * »0« cn»»&'8 &0 00. I' m» mh»mx&iwi irto, top&hvvlr ticmc (un&1 tixnsh r« xiii&,» &h* I &5. t c»1 u ha & nrhmrz& In-rcpw voni w rhtrwdh&l)anl vn»«&lh hem xm» vm&npv 5&'('I & 12.&v«»»»»&th i18.&0» &4&» Icp»n& p&r»&en&»1,»&v, 0&»»u Yc» &hn»' »cnu Iov&oppx&wcn& vou Nt&w Inu && &«hue&nb»»»1&h&r& 50 In'dnv hcfo&c ih&,&»&» ~ &ti'p& rn nt '- Iv*lulv&1&o ivnr ,)8&1& *,' I .'«t&irv). ! t: In 8»&t'ip Arv,&O)I 5 t lomc I'b»nv ii'erg I'hone 006 If ynur hiKing & rid revs r&r rwi tact in format&on has rhanyv&1, or if yern sr)dress is &ncorrec&as&tapprxr withisb&ll,ptcaseprovideaB&orrectivnvhere. VISA IGNATURE BattkAmeriCard' I ower Rewards ~~~OBIT July 28 - August 26, 2011 Page 3 cf 4 rraamcaoa Date 08/26 Pa*sar Dale 08/26 Oaaccpsoa Interest Charged Interest Charged on Bank Cast& Advances TOTAL INTEREST FOR THIS PERIOD rralaraaca lvam oar accooor lvvm pal salvo u 0.00 focal $0.00 Total fees charged in 2011 Total interest charged in 2011 $o.oo $0.00 Your Annual Percentage Rate (APR) is the annual mterest rate on your account. Purchases Balance Transfers Direct Deposit and Check Cash Advances Annual Percentage Rate 11.744V 11.744V 15 999V Promotional Transacticii TYpe Promotional Offer ID Promotional Rate End Date Bafence Subject to Interest Rate 90 00 $ 0.00 $ 0.00 hiterest Charges by Transacticll Type 90.00 $ 0.00 SO 00 Bank Cash Advances 19.24SV $ 0.00 So.co APR Type Definitions Daily Interest Rate Type; V= Vsasbla Rate (rats may vary) BANKAMERICAINI POWER REWARDS 55 EARNED THIS MONTH 0 BOIIDS POINTS THIS MONTH 0 REDEEMED THIS MONTH 9,092 TOTAL AVAILABLE VISIT BANKOFAMERICA.COM/POWERREWARDS 007 OOB008 VISA IGNATURE BankAmeriCard'ower Rewards MAR K A MES I 8 ESSAT Account Number:~~~ 0877 August 27 - September 26, 2011 Account Information fwiucthnkofhmerich,f'om Mail bilhng inqmnes to: l3ank of America IXD B(M BSZM5 I'l Pa, o, TX TFF)ikq.',"IS Mail payments to: iiaiik of Amcriwi P.D, Box 301%0 I.ns An fall:1, (IA 00030.)200 Customer Service: I $008.1 1?I I 0 (1.8008468I 78 'i'TY) New Balance Total .. Current Payment Due $ 142.00 . $ 15.00 Total Mmimisn Payment Due Payment Due Date .. „„„, ......$15.00 .10/23/11 Late Payment Warning: If we do not receive your Total Minimuin Payment by the date hsted above, you may have to pay a fate fee of up to $35.00 and your APRs may be mcreased up to the Penalty APR of 29.99%. Total Mmimum Payment Warning: If you make only the Total Minimum Payment each period, you veil pay more in mterest and it will take you longer to pay off your balance. For example: Previous Balance....., .........,.......$55.02 Payments and Other Credits...,..........-55.02 Purchases and Adlustments...........142.00 Fees Charged..................................................O.OQ Interest Charged........,..................................0.00 New Balance Total .... ....$142 00 Total Credit Line.................., .$11,000.00 Total Credit Available .............$10,858.00 Cash Credit Line ........................$5,500.00 Portion of Credit Available for Cash ..................,......$5,500.00 Statement Closing Date...............9/26/11 Days in Billmg Cycle ......................31 Only the Total Minsnum Payment 1.1 months $157.00 lf you would like information about credit counsehng seivices, cail 1-8G6-300-5238. Ilehleaflah naia Pa I g Da Ie Desa pf h Pefa ea hluhr he hcaaahf Nl h her 4 I auhl 09/19 Payments and Other Credits PAYMENT . Tl IANK YOU alla 02 -$55.02 09/03 09/21 09/OG 09/22 Purchases and Adiustments WALGREENS fi3378 SAN JOSE CA ARTISAN FAMILY DENTAL SAN JOSE CA 0)73 3620 0877 0877 63.00 89 00 $ 142.00 09/26 09/25 09/26 09/26 Interest Charged Interest Charged on Puichases Interest Charged on Balance Transfers 0 00 0.00 BANK DF AMERICA P 0 BOX 301200 LDS ANGELES, CA 90030-f200 Account Number: ~~~ 0877 New Balance Total Total Minimum Payinent Due. Payment Due Date ..., $ 142.00 15 00 ...10/23/11 MARK A MESTRESSAT 1455 LLINING DR SAN JOSE CA 951IS-2325 Ifitei pa)'inplit afnount 8 chealf here Iar e chan; al »allis addle ra pliahe hrlhlherl I'lease plarlae ell aa Ierl ah. rh the re er e she Mailthsa po I g iihyourch eke yehletu 8 nkofh raa 08 7 7iff 009 ( IMPORTANT INFORMATIOIV ABOUT THIS ACCOUNT USE?11 Rev 06/11 t CUSTOMER TIPS FOR DISPUTED ITEMS !1!n)i/ t&me) &I&sl utvd cb u(& s u lv. i(nnatcchunvs tbntcu tomm. mov not rprognm(. or&mnc&ut& r B(forcd& put&nga(lu)rk(xi vi((&mimendtlmtyou xpnfx,& ]iivthnim ,«xtmnkcoiv&) tforttoresohpthcdi pn(ru&th)hcmcrilmnt Oftpntli )ncr(hen[can «18« 'I '( U) qnxstioos arid ra»&lv rciolvcymn &lisputc 'I'hc mmw)v ntq phone r&umbi r n«» 0\ Limited 00 yo«r rc(( & pi 0)!hdh)m 8hxtetn put Has 8 c re 0 i t po 8) e&1 to you r a re u u o (? I'lps rnllowuptn,'lqdnvxire)ntlic(Lnc on&oui cr &lit ou(hm or ,I (mew)cd) 'n&salle&I ~ hn )0 '. & .('rcl)at)I & rc ht tn Imv). letheclmrgenrsmountunfamiliar? flhcckuxthr&tlmrimrsonsonthnnzcdtnu.ctlmarcounttnmski urnthpi ilulnotm&k(thccba) (xlli poxm)il dmtth(m«r&h&ntmbillmnnimcv and sinrc names sic differ n) or amimnts r&m r xsily he ronfuxi 0 xv&th, im&lnr &'hs)'f &'x or»&elude & Ip '. Dnc wa1 to checl for the credits m to weiv I &onx « t«&n dot uls &8 tn look ii! o&u account statement. on)me !fyou are nut onr& )lail &n Online Banldng &I &x en. y to enroll num(, the 8 eh 8(fdre«. m& rhe front ofy(iur statement or "ii e us a wdl, Please ren&en)her: If you find an error on your bik, ynu must not&fy us no later than 60 days af) m we sent your first s I ate ment on wtiieh the error or p mb]0m eppesreit to preserve your b&lling righL». ONI,!NLP O)&hnclMnloo"&8 nmta1&lc/4hourunday ?rln)8 xue(k,u&d 0 80(vs You 10 x «u'10 n«)st I'(i'0 0( )01) up 0« ) && «) accou» I, PRONE A c !.866.'266.0818 lvnr pro)npt srrv&c . pkz)se tiav( the merchant refcrcrtcc numb&c ri ) ,iiti&ixhl Sir the ctungv(.) &0 qu wti&m, MA! f. Attn: BiBing Inquiries PD Boz SBSB35, B)Paso, TX')9098 Wt&cn umt»M, pl&)n so )n rinds Yo or N(une Account Nun&bar the IHl Disputed Amount, Merchsnt Name, Transaction Date, andreference number of the disputed item xncl peo&tie &lotailx regnnlie), your(hsputc inrlud«xp&tstcsofcontactwiththc mcr('hanran&t the n1c)'rhan) '8 reslionse ui ( acti mstancv. Plex)a incluiie 80 soppoi ting ducumentat&on, &nr!udinp sales and cre(bt voucherm c&)ntract mxl f«)step() )'('turn )vt &)q)ts ()8 p)x)of of (n)v I'('in)'ns PAYING INTEREST '\V( w&ll not charge mte)vst un Purchz 8&8 mi thc next »bi tom cnt i)'ou pav ttx Ncw Balmr01otsl&nt1&I)bi the!'a)mcntl)ucliatc xrxlyoutmd ps«tn&fu))i)x &h prc&mux P&rm&ntDueDate 'iVC&villhppinchsrg&mgint ip. t imB&lane& 'i&an. tux xnilf ash (xdva)xpe onlhe tran(schon d»tc. CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Avsixgr:Da&lx tlnlnnceMO(hixltm&luit»ign( Pmihsues&, We i'sic&i)etc separate Balance kuiiiert to an ln(crest )tetr (or Pnr& hase and tnr (ach lntro&luctorx or)'rorno&i(mal (I)'0 & balanc coris&. )ml nf Purrl»isc (V 3» &lush [ I ) ra lcubxf mg a &laity)at& nco for each ri 0' the bi I lm3 r! & 0, (3) s 0 &1 in,& 0 )h v 00& I x t stances rol)cthe&; and (3) d&v«hng tho um ot the dndx 5 il in i» by tt&c m)mb& rot )is m th( b&linis cyrli* Te calcuLxto [lie &tml)'bnlance fores(h &1av mr)us 8) &rv&nvr&t'8 l&dlu)8 c &'I&, w,. (1) t) bet bc ti( ginning balan( rz (Ji adrl an (imimnt mnm) to theq)phruhk I) nlv I' iodi& 8 xtp. rm)ltipheilbx tl&epipv&oux(la?8 dn&lvtx Lxori;t'I),«klnpi Piinha &s,)x..) ((unt trees, (««inc» I I 0» ')i n!)ms.)md t4i sulitm&t(tppl&i(I IC pxinicnt mxl(rwht- I)'xnx L )I I&)linCOiv luvithuOZorOWet&uot&taXZO&r&. Average Balance M!ctbod (includuig neu Balance Transfers and ncw Cssl& Advonccs): We calculato separate Bnlnnces Subject tom) lnterovt Bat& f&xr 8 ilancc Tr msfers. Cash /i&it uxvx, a mt f(» ca& b Introdurtnry m Prmnotional Offer t»i)an& i ron. &Pnng ot 158)nncc'l rsnvfc) x or Cx.h Ad)an:ex Wr ilu )ln. In, [1) cab ulatm(," n dx Iv )mix i for (och daym this ta)cnim&tbhikmsmilmI'tin&lu lntnu(ad(ulvhilnncct i "«h&In p im (otl»s xt tpn&cnt'st)&lhn vlctlmthsil i'I'i «(v&I hulnn(&V -,& I')( (') i bsimi tx ik)L»i 0 T)a«sf(')'0)'8(11 had&an;ps)th ) )&8«m) (n(L&f ')')'I dx) sta«'«)cnt h)k«xq rxrl&'but&&&th,)p«stum&tat w&thmtlu't item n); &nk»m &'x(lc;(3)(&d&ln «,0) tl« ik hnk&ncp. )1'pihp),800('t)th')hns(t)ps«mnttl«(intlx nil««'('')8&'n«0)h'& )(I»') thi sin&vmvetql»lluizcicl TP()&[rut«ctlicdmlvimlm& 't c«l&dix u&th&p ixtcmcntu(nllin; (x,) .u 'll takct) ch n )nuh,&l,) «c:I?);«) ), »,m«& m(c ««it& th;xi p&& xt)) multipl&cd I» Ih: prcwnuv km d,,li tie)an(,) (),«)c) ncix k&)mci 'I .ins(cx-, nc .1)mn ( m&rl Ix mu&ct&«n f& ''. &nd(4) n1&tr, &I: p) hrxil p)yn& nt,» I «I t ti ini lm)xbnl)mxm lv than .c)oi et) xu&t &8 Toc&k'uL&tcn 0) dy(x&k&n«'fore(«h lsx I t& « I ~ dnx (nrm& ntu hei)inn 'I 'thit i)adsl'&0('y Ic)mlxnr(,()) »I imb" nunn h&l, n««»&)») &I) I I I I'C«h Iiilim (iluch»kli z&«u)l&v)i in» iiti » I,&« I'tl iir t )'«"('i I 1« t. n«& (3 ,idd mnmount(qx«)lto[lx)ipplirihMU»lvi'&»ih& t(«mnltipl d)irthcprmi u &Hx ilut.tv)an v.)i! iml ktonl tti,i& pl&D&b)CPic) )il& tninnc «i[)h iric)np I l)»n ()c&)on )«'» 110&'x&'h«h'&'m) (h)u(x))c«l «I «)& ll »i«) «'no». 0 &8«'0 «) fn )0«8 hi)hn &».l .'. TOTAL INTEREST CHARGE COMPUTATION Interest fhargox scen&e &nd are compounded on a daily )m, ix.'I' &lekwmuw the lntci 0 t Charg& s vv mulhply exch fb&lance dnh]pct to lnt( inst ib&tc by it. applir ihlc Dmlv Pr»oilic kate an&i )hat re. ult &8 nn<i plied l&y the num)« r of &lays u) the b&llu&a cyrl~ . 'I'o i[ere» m&m (he totNInterest Cf&xr for &be)&ilhn cycle, ive add the Pm &Cd&r: !Lz)e lrnc&ca) ( hail() to &thor A Dnilyperio(b&& )tate)s rxlrulzterlbyd)v«hn an Annual Pcrrm)t &Pc ltafc hv 365 HOW WE ALLOCATE YOUR PAYMENTS I!Your 0& u&unt l«is l»&lances inth d&fforent APE», u ( ir&ll 0)locate thc xmonnt ( f )OurpqmcntvqualtotbeTotatllmmnm&lh&xmcntl)uotn(bcloives)APkbalanci fi&st I ««)h«haf t)'nova('t)One nmd('fter th)8 )tnt('n«nt) P(XYn«nt n«0)in&8 0) CZ()&XS Of/en) )otal M&n&nuuu Psympnr Due ivill he spplis(l to t) ilmire, ivnh h&( hcr 1PB.. bph ) r bs I &m i &tl& to&vcr APB IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE 1Vhpn n, &n th&.'a]&no vd Pav hv Pt&one. m vice.you sutlxxrizp us to mitu&t 'n elec)r mc p & ment trooi Yoa& 0&vein)tat the fin m(ial ni t&tunnn)nu drs&m&n)c Yon &mix) au tt«&i &Yc &hc amounr an&I ummg oi(»&eh payment. Pxr your prot« tion, ivc will 8 8k toi xpcu »ty u) forn&at&on. A fee may apply for ezpe&bted . srv&ce. To rune el, call u 8 beforp t)m s clio(hiled p»)unpnt date Same i)ay )&ayrnor&ts cannot be edited ov canes!Cd. YOUR CREDIT LINES The Tofu! Crvd&t Line is Ihx 8 mount of cradii ax ul8 b tv fnr the accounh ho vpve r onb a Port) n) of hut )8;)Y)d &hh'u) Bank 0 &shad»&n&'Ix Ih& (L&ehl )cd&t I «Ic )x )0; t snio«»t x»nl«)c» ulshh fo IL&nl Ci li \r);in» . (I nctallx. Iiink('0»ha I x n r(»«-) n) Nl'tM Caxb Ad auce»,U erthcMmntei [(! FC!O)xh.,)&tvu)res burne DavOnhnc('x h .1 l Ymc, () 0& (l&&01'rntc& non ('b.)drnnrr, t)0 h ll(iuiv tlcnr H k& luriw&l i'ay nun tv. ,n I &pi br(&bletmns) tinntvp . MISCELLANEOUS '')Oin Imnalki)et(rnll)ztv Thi-ditriztXi (fmiaf0(nr vtatcmVn)r)C,.&n" I: ) »eh)i)qe Y i) )zrxn«'n)d«CWi)v ihi d)t r& ul&1 lun p 'I'&nn))c«on n«&s)m & t tot )he &on&pic)c tern)s 0»dn&ndihon I (&«n xcroi&nt u n. nit xo)n I &&'&I ) (,&&0 '& nc mcn(.p!ACnddc« '. &8 & t&ad&'nunc cfl&IAC«&6gvm&r&» q 1 Tl)&-,«'n) &x. «Yd i»d «ln«nixt( 1& 0 t)x I IA (kn&IFp)x In, N 1 PAYMENTS K m &litm&ll dpivmcnt.z')h l&t('Ipx')xcd &tthcp&Yni('nt)i ())) '«'))Pith& ,)pm iu&(dnmc irtl m) hit sh un mth )cmin«)c, vli[ n &)i& t&«ntu) (u m)mhl r &tmmnt,izl pa&rl &rh,&(hc(L(h,&unm C., &[oker (m,x I, 8 Iin&mr»1m t«ur& n el'8 dolLwnmncymdciH&n t(&)»ntm th &muvnmnilopcxiith on)i thc)mmtt, n.* pon«n«fvout8(a(ca&cntx&conq&anym &t Pumpn)vr(&ei «1(»n&xlnfi &.ipn lovml t«n '.« Ih& &'0»«&) «)cc)«ld)08 0» «)i )8) «)ch«hop&In'Pox«)ce( Dn&'D « '«10«)( othinispnw tlhp;)o eip&iuii mm« . &i)lie(twlit Di, ftlu n x) In I'1 n nt ~ nm) w 3 «0& hyph(mc dlh c)cd&tc in ot')5 L&trot'«&e&pt fmx Icl&x 'sx&.«'x«ro) I'1c&ht )nrany0)hpr pox ments mux 5( 6( i)rpd up rr live(ts N»pzvmcn) zh)0 qx r )t(.,&-.ma o&&l ») I "«& I &m&onxv&thou& th( pr&0& ixntt& n qq» ) (&Info»ento«) x 'n) &'Ot1 &)s 0&»'I) Yn '&)) lx«i, )«,& n . Ii&1))) )&I" tl)*)&)(»)) )&00. && I 0'n &8 '('I I «h&h '&1 ««0 &Iii'" u I &cIO(i«'00(»0«'ci ( ) «) fund 0 «I ) & oc&'Ys If ) & chc k 0)'),)f)p) &h)xtt) F«)x)s 0» 0&'x& «0 hnun 6'& «) vou&, «'( 0«(« Ihc &n«'&x »v) & &'x u) ) )xn«'«I ( 5 ''I «&'I .I& '«n I'(l)«x»' '8» «) &')0 I('i) th '0'«0) ')un I )«) &sip&, m)0 0,«1hp )un)l '0 I«',)nlh ff & u tm, «th(nt(«lu & I: u& nrht( & I) &)I &n)om)«&m)h homxm«:&&nu 5 '&kn) ' '««n) «5 & ' x«( «1 I 0 &0&'x)x«1 n& n «i «)«««« r&ms I &8) ppnmcnt.n&u& I tt& nm t& "(hnv:&tlux.rtlnc&.iu )n &1m .X ) lr 8 I :!ddr& n)ztc (.0) 'u xi Cmi I) m l'ho Wo)l Plione It y(nir 1&i!ling address or en»tact information has rhangprl, or if your addrpas is mcorrcc& as &t appear) on ibis b&ll, please pruvide aB &orrecti&m8 here. 010 VISA IG NATURE BafykARTeriCard', Power Rewards. ~~~ 0877 August 27 - September 26. 2011 Page 3 of 4 Irapiv veil Dale pprbps Dvlv Deimpl on Reference Nvviber Icrpvpl Ir ver 4 Vpvpl rvral 09/26 09/26 09/26 09/26 Interest Charged Interest Chsiged cn Dir DepgChk CashAdv Interest Charged on Bank Cash Advances TOTAL INTEREST FOR THIS PERIOD 0.00 0 00 $0.00 Total fees charged in 2011 Total interest charged m 2011 $0.00 $0.00 Your Annual Percentage Rate (APR) is the annual mterest rate on your account. Annual Promotional Percentage Transection Rate Type Promotional Offer ID Promotional Rate End Date Balance Sub)act to Interest Rate hrlersst Charges by Transaction Typfi Purchases Balance Transfers Direct Deposit and Check Cash Advances Bank Cash Advances 11.74SV 11.74av 16.99SV 19.24SV $ 0.00 $0 00 $ 0.00 $ 0.00 $0 00 $ 0.00 $0. 00 $ 0. 00 APR Type Definitions: Daily Interest Rate Typ: V= Venable Rate (rate msy valy) BANKAMERICARD POWER REWARDS 142 EARNED THIS MONTH 0 BONDS POINTS TIIZS MONTH 0 REDEEMED THIS MONTH 3,974 TOTAL AVAILABLE VISIT BANKOFAMERICA.COM/POWERREWARDS 011 012O VISA IGNATURE BaftkARTeriCard' I owerRe~~Id'ARK A MESTRESSAT Account Number'.~~~ 0877 September 27 - October 27. 2011 Account Information. shrw,beiikofsmcnrh.rom Mail billing inquiries to: Bank of America P.O. R(it faa& IS Itl Paso, TX 78098-:.".36 Mail payments to; Rmi 8 of America P.O. ITox 30P200 I.os Any elcs, CA!XI030-1800 Customer Service: I,800.421 I? I I 0 ii,800;46i3178 TTY) New Balance Total Current Payment Due ...$126.76 ..$ 15.00 Total Mmimum Payment Uue... Payment Due Date ..$ 15.00 1.1/23/11 Late payment Warning: if we do not receive your Total Minimum Payment by the date hsted above, you mey have to pay a late fee of up to $35.00 and your ApRs may be increased up to the penalty ApR of 2999SS Total Minimum Payment Warning: If you make only the Total Minnyium Payment each penod, you will pay more in mterest and it wlR take you longer to pay off your balance For example: . $ 14200 , .-142.00 126. 76 .0.00 ......................0 OO New Balance Total.... ..... $ 126.76 Total Credit Line........ Total Credit Available..... Cash Credit Lme Portion of Credit Available for Cash ... Statement Ctosing Date Days in Bilhng Cycle .... $ 11,000.00 $ 10,873 24 . $5,500.00 $ 5 500.00 10/2 7/1.1 ..........31 Pievtous Balance......... Payments and Other Credits Purchases and Adlustments Fees Charged........................ Interest Charged Onlythe Total Minimum Payment 10 months $140 26 If you would hke information about credit counseling seivir:es, cali 1-866-300.5238. gens cree Dale Pcs frcg DI Deep pic,r Nerprphpe N flic* gcccccr Nvmbc Total 10/20 10/21 Payments and Other Credits PAYMFNI'IIANK YOU 1292 -142.00 -$ 142 00 09/30 10/12 10/01 10/13 P he cd Ad,r t .nt WALGRLENS II3378 SAN JOSF CA ARTISAN FAMIIY DINTAL SAN JOSE CA 64 /6 3700 0877 0877 52 76 74 00 $ 126.76 10/? 7 10/2 I 10/? 7 10/2/ Interest Charged Interest Charged on Puichases Interest Ch*igecl on Balance Transfers 000 0.00 I3877 BANK OF AMERICA P 0 BOX 301200 LOS ANGELES, CA 90030 !200 Account Number: ~~~ OBT7 New Balance Total Total Minmium Payment Due. Payment Oue Date .$ 126 76 15 00 11/23/11 MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95f IB-2325 triter payinont aniount 8 cheer he c Icr p change or hieing eddres br Ivicnc nvhk, rs Mrease porc'e pcr, ccrrc rs ph Irc everce ace Msithscoup nsichgwthyp rcheckpayablet BankofAm ncs OB 7 8'13 'IMPORTANT INFORMATIOA! ABOUT THIS ACCOUNT USE?11 Rev. 06/11 CUSTOMER T(PS FOR DISPUTED ITEMS i&tony(tm ili pnt: Irlu&a,i etc otimatrcluiq . It»tcust&mer msynotrccogn&m orremiml i 8 foi«li-I u»ngorjmrgr,i c&( anni&ndlhstvmiirnfyafrwthmgv ,(mlm&kecw&voffort«&r ohs&ht d&sputrwithth mcr(hant. Of(outhcrnvichantc&n ans&rerymlr0(i( 0 &ns,u&dr ( llvi lm&om (h, pi&tc. I!10 0&c! Chtnti. phone nuit&b(& our ho Io('atod «n Cool'r('(('(p'&'tug(0'ilt('111 11( Has 8 c&erlit posted to vour Account? Visa & all« up(0(M In)fron)fhc&taicnni)ui (r(ditvra«tu'( Ar'I'n» Irdq& m( nt lcltm «n (he &n& rr hm)t m( (ht h) post Istbe(hargeoramountunfmnilimd) (.'hrck wlh (l»rpm sons An&hnnscil to ~ se (he acromit tn make, urc (hey diit nor iu &k(. th i hor ( lt is post&lite fhs& (he mar chuntc'nj!in(„names an&lsforv&um)ca sir diifm& nl ore(noun(scan a. ilyt)econfuurl&vitl , am!sr i'harm ' & mrh«lc(ips Oncwavtuchccl t(8 thoruvditsortov&cwtra(sv «t&vndctadsi'toluokatrour acconn(st it mont. rmhnr ffiouar not enr«!lsd&nOntineBanking,&turn)sylo &8('00 0 0&L 8«1 8( ha(hi('('8 on the iront ut your statem( &il or iic us ace!1. Pfeasaremember Ifvoufindanerrorouyourbilt,youmustnotf{yusnoiatert!mn 60 days after we sar& t your first statement on wkicli thc error or prob!a&u appeared toprcserveyourbiBingrightm ONLINE On I (\(' 8& I 8& ,*, t;0'«1861 ' 4 ho«( 8;I 8 ) &.? &Lr! 1»vc( !&10(j ,111081'\'0«10 I ''hc»10 I »7& 01 lc» 1(von 08('cco«01, PHONE 8 c 8 (.866.266.0212 I&( I'9&'( oq&t 8('I»'ci(I Ic&sr 6 ( v &6 '& 'lvh u(t Icfc»'0(' 006«((sj avo(tahj f(s the clurg& (, l&aqu stims NAIL Attn: Billing Inquiries PO Bns 98228«, Ijl paso. TX ?9998 1V!Em& i&q) tnN, pi ease mch«to Your Name, Account Number the !HI Disputed Amount; Merchant Name, Transaction Date, and reference n umber of tlic dispotcrl item anil pe«lie &I tails i evardinv your disput(«&nriudmg &latrs rif & mitact w&th tho merc!&tnt and lhc n&clviuu&t'» resi)unse ui each in. (aura, I'jess& iuctud alt. upi ortmg &to& um& nt itiou, mrduilmg. ales an&i«& (ht vourh *.& 1, ron&rect snd po 1m& return rcrmptsas proofofsnv&vlun&s PAYING INTEREST '(YO&v&l! r&rit tungrintcrest uni'urrhnse. on thcnextstalon& nt&fyoupaytheNeiv IM!anrc Tnr it m tull jo th( 11» mr nt flue f)sfc and )on h &d paid in futlbvthv pr( & ious I'Arm«&t lb&e !i)tv. 1Y( will t« gm cj&arl«in 2 nit eros t on Balance Trans ti is ond Gish Idvar&erson(h t&ansachon date. CALCULATION OF BALANCES SUBJECT TO INTEREST RATE ,1 er(& 8!I u!v IM!Omcc .'&8 thud {i &r lu dug nv&v Purr lu&s&wi: tkvc calcu!etc & pa rate Ra(Oner Sul&ice& to an fnt crest IL&te for purchases and fo& m« I& Introilurtor& or I'rom&&t ion) j I lffr & l)alan ( «m(i, tin of Purchase~. '(Ye ilo rlus by: (I! Calculat mg,i la&j& 1.01&nco foi ea( 6 d &v u& Ihe bi lbng v)rti, {EH&it(hng ) tt thc dadi lsdsn ( to ctt&:r,snd(il h «iu&grh(.'.umot(hcrtaijvI&(ttancc(bythcm&mbcrrfrh&vs mtj&c lnltm„ry Ir 'I 0 r: leuk&tc (18 itmly b <mce hir each ilny &n (!us slat omen tub&tlu&g cvclc, sw; t I ! (sk(. the I) guu&ink bst uiro; i '. I:«lrl on mn(nmt ci ua I to tho npp! ical&!e (Nijv Penod)r f1 atr, nn&jliph&* lj&vlhr tnt (ou- I, '. duh Iujau&c,Ill(«htne&vPurU&ase .nc& Ar(xnm(Pcce. and n w'I'i«n, ition1& &; anl His&A&&,(«al vli&silili p &ymrnt(anrl «ivf&l . Ifm&ydo&tv tsd &occ (8 8'. &I'I u& 7( 1 il 80 11'8;(tlt ss (cl'0. AverageBatanco ktcthorl(inrluilumnea tlalance'I'ransfrrsamlncwCashAdvances): !Ye cate ul &tc 1 cpa( at&( !30 1am&as Subj ocr tu an Interest Rotc for B8k)A&cc Transfers, Cash A&lv mr i 1 and frn rs& b Intro&tuctorv ot I'r (miot(onat 0)?crim!a neo con. istingof 141&ncr'Ii)in ici 1 or Cs. I&.«l,inr(s &Y( itu this hy {I!calcu!atm a doilv Nslancc for each Isy(n tins -i,««nt' .8&n .&(k" (sic dc;il i(m(»& &I ulv h&j &nci'o& mcti(tavPV&or toth)s stem(nt' dim!I ' ttut h(&rt & I'r'(Wlrl&olm a I'&v t I lch&lan(& ts & Lal)n(&( t »0& t('I'(!(1& !»Id;& « 's)(ho 0'& I «'1(on date in'10('8 this f I(('8«'l 6 !1»(I «&I*i»it itli,ipo tm i(it* irl»n&hi, utrmcn(1!nltmqrv(1&;!Il(«tdm .&!!rhc(tnlv h1 !a or(' I 8'v(h 'I .. & 6 (Ajh 'I t( &( (hr I 0& ol lh 'ulv BAL1I&rr hv lb 'uad)('I'l 011 8& 60-8(&l.mvul -'lnl m 8 «I«' » ' 8 8 &v 8& (h(s st «('olvs! . Bdhu '& .8( & (8 (ll i &«n h (m«, !&, & Iu»m& r& 8; «d(»h:0 cl«&hl'lu&l& tk»o&lirgslc nmlr l&l& I(1 th iu «u I » «&i;,86 &Un(v, t l «kine» Bi& &nr.*'I»nst('r(n( 8(bsh & I .i(» -.&n»I, »-,» nl'«(,&nl Al-( ht&1&1,&pphr&ht" pnm&'nt ~,&nicnd I Beni I,&l, iv *»li"8&lu i(&i « ~ ti,«m mro »I nl & . 8 &I I &!su( t&r,«hd v& (& ('toth& st (temcnt'<m (&(tcthst luio i'& i'7 I I: i, n i) . I«h h, nn &» Iwl&n» 0(tr&l nuhl kh tot'(c t'&rl& &!Ii&h &111 ., «0 &I & t . n,«» ( 2 r. I'&ls I» (I')r C& jrls&lu&c I Ig) ,& II &n &m&um q,,&(to I&&, i pl«»l I llnlvl'od&s 8n mul'8 j& dl» th& prv «)u. r!( -608& 6, lm«.& ',. nl «kl &I (8, I ph& &b&ePrr t) lvhaL&nr,&nl&bmr&vlar(d 11 0»'«00 I & '. Br('v(h«t *t(«81 th( ( &j«1!(it(0» (ill,&0««1«u& p)sl 8 «19». '(008 h&I II 8 ' L INTEREST CHARGE COMPUTATION fnturcsi Clsu'Scvacorue,&nda&cw&nq)oundedouad&ilyba &8.To I&t &mmtlu'ntmw. tChm. &(wcnmlt&plye&chB&lan«((ihicil tolntc».l 8 ttcb it. (ippti«ih!V Daily Period(v gale and that resutt », unltip fir&! by thr 0u(nhrr ot days & n (!iv h&il&0(, ci(iv. To det(in«ac the tnta!!ntmes&C!&arm for rbclng&n ~ cvcle,a:add the Pmindic Barr!Ot(iest {'18&r "cs tn stj«v. A jluly I'm«)rhr IL&tv mr &Irubt( &t hv &l&v& Ima ((n Amma! Per can( &'e Bete hy gfib HOW WE ALLOCATE YOUR PAYbgENTS tfyouraccoorit has hnianrcs iithrhfF& r(ntAI'Bs iir i iB vlloi sic lb( omrmnlrif'nurpalmem(qualtotheTO(st it'Imi(numl;(vmoru 1'luo1 tj«1!u tel AVE he!&m: ) fi(sl {inrtuding iran a( non v m «Io after( hm cts(c ment 1 Pavment amount m cs&v(s ol yr)uv Total Mnunmn& Psymm&t liucwdtl&:dip(i Itol &lanrrswithhwherAPB-brforvh!Ian(es ivith lowoi (\Pgs. fMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE 1Yhen u. inc Itio oprion il P iv lii-Pj«mo. c& in . Ynu Ontlur&w ns «& m(tiat * an clectrnmc 8 &ymcnf fvom yours«mmt it du fin &nriil m .i«un&m&ou dr, «n) tr Y( u mo. I author»a thc Amou&i( I'u«l tmur& 'i r ach p ). nlcn( I r&r & 001 i&ra(ection, wc &vig a 'k toi security informahon. A I'ee mav apply for attic&!&ted, cr»( c. To cancel, (: ijt us bcfore the schadulrA paymer&t dato Same day pay&uonts cannot be rd&tml or cancelod. YOUR CREDIT LINES The Tulal(!re&htl m& istl«nmr&untofcieditmait(tilelis thea(c«uohhowe er ori!is porlvm of tetr-avait &k)jcf0& Baok(q)shgd&v(ra (v 'I'8 C & h('r ilit I,m &« th &t,&rn unt vu I & cm ulal t t(& Bml (I& 6 \d,in r .(hn««II .II nl C& hi(un»&s«nw iot AT!&I Cash A(iv &nceH ther (bc Lountor t(iT('I Cash.uh.uv .:, ((m f)av»nlmc O)st& Arhsnrc,Ovcid&oft I'&otr(tioni's h Ad., nrr .C i-8 F(pu (1!Cnr-, ftrlurnc(Paymcnl . ondnpi h shia t()n 0 t&0»t MISCELLANEOUS "I'&omo»onslth& Cml(4tr. Iln- Iitci, l,i I «, fntm -t)t m n&rlo-m gatv 8& u(ch»(gv)'0 « i)& 0& old«vdu»!h('&I ' ( jd 6, 0!'l «1 «u 0'(vosl0(' rhrcomiil I;r m:u t«ndin i- I « ir iciuiiot,& n nit oui t.'di((1« I (101c('n«0(M\F 0'6 !'»« ' (» «I 0(«occ{F11 fiu 1. 'I ur ( \ Tj (, r(«0( 18'8 .0«H«huon t( Iv I hv I I.! t. &I'8 Srl I&, N .1. PAYMENTS &Y «rht m«I»8 p«m nt:i (f &he I&tr»'*'rl,il(h p&vm(nti'l)rr(cnr&Ihy Cpm &m &li&m,« th & lb - -ti« r nrl& rrm&tt, nr( h& onth& Iron&(l& u& m &mhb t&tcm nr.i!)Iu&rl &tli,(&l«CI dus&im!.', l»tin-Ono CF linmrulm't&tnt&mor I L S 0 IL« 8( 81 'I '('u! I 'I &'8! 0& (j& 'vnu'0 'ni('lop 'ivl h oui '!Bc (cnuttuc'o(nilf&mn.lnemcru,u'(mp&»(i&a&t l,i»1m! c && cd(mrna&l(if( r. pm.lo(al rrmc it th rcn«tr mcr.iditrc on Am il » iricludrna lhc pmm(ur DucDat, Init &ho!. o&h.u & ~ »8« lh,ho& * (8 ~ ment«&lib« mh( I, f&h( «)t &in I'&vm nts nul 0& 8 & v&1 ph & 8th « I&( I):ol'tl«d&tv&( r(r»put nu&lrh& ilsm Crnl&ol ( &Cd (to((nwoth r(sn n n& (n&ilv I ls&mlupto(ivv&l) ' & jvlYO& '01 h(I II &i«'(&lc&,u» 'vo»l uu( &(11 h&r»on &v»!10«& dlc p) 10( & ntt( 0 qqu ) (I lt «&v OI 0«( 8 '8( I't I 111 p( & - (m-(i, m i&r h«t, rl "& n(sli ln i ~ n tl i(t«m,r&,&f Oml n 100( '6 'cl . I,i&6 6 * 'l«uuh 8 u(': «V I c(&, tc ( 01 'alc cj '( 100(& foud; 0 0& f I'( )7 I i«c, it i,i&h«koi & q i lia(rl Funit. mai he»i!t«hmi& fromii&«(ar onnt i mo & thc, 0«'l 0 ' *I» 8 i & u&811 (8»'1, ( 'l '»( Icdl( & s( 0& ( '«&fm oui«0» » t''i Ih» Iv I 0 ('I 8 I 181 & I '(8&6«mlb' 8(h» (u&h»7& In t 8; n» &l«&i I( ill.«lom, r«'&jt hmn&»n .nn&q '8 '118&«un(i «8( ' «(( (0 I pdl 'fl »0 '0( 0 0&, o«univ '0th«&81 srong In roppnvm n&v &url !rr& mu t & v&ren .&t I 8& tth( r hu m: ~ I( & h(ior''&dd)c . I C(l& (8(&'8& \ (8&( 00' I tom I'1&«n( 1&orl I'l&onc IfyourbiBingadrlrea(orrontactinfmmationhasrh)nged, r!fvr&uraddiessis mcorvect as!t appear on this b(8, please prov!&Ie 08 orrectmn 1 bere. 014 VISA IGNATURE BankAmerieard'ower Rewards. ~~~ 0877 September 27 - October 27, 2011 Page 3 of 4 1(a ), a( u ) Dale Dar'v rrpuaa Para aain)m ( ar Aura(Nu a(ar Amount r'ai 10/27 10/27 10/27 10/27 Interest Charged Interest Charged on Dir Dep&chk Cashpdv Interest Charged on Bank Cash Advances TOTAL INTEREST FOR THIS PERIOD 0. 00 0. 00 $0.00 7otsi fees charged in 2011 Total interest charged in 2011 $ 0 00 $0.00 Your Annual Percentage Rate (APR) is the annuai interest rate on your account. Purchases Balance Tran*Ters Di.rect Deposit and Check Advances Bank Cash Advances Annual Perceiltage Rate 11.744V 11. 744V Cash 16.994V 19.244V Promotional Transaction Type Promotional Offer ID Promotional Rate End Date Balance Subject to Interest Rats $0. 00 $ 0. 00 So.oo $0.00 Interest Charges by Transact(on Typ $0. 00 $0.00 $ 0 00 $0.00 APH Type Defmitions: Daily Interest Rate Type: V= Variable Rate (rste msy vsryi BANKAMERICARD POWER REWARDS 127 EARNED THIS MONTH 0 BONUS POINTS THIS MONTH 0 REDEEMED THIS MONTH 4,101 TOTAL AVAILABLE VISIT BAIN(OFAMERICA COM/POWEPmEt(ARDS si(ul )cul' lob((1( shoi)fnnr ai lhe pos(I ih)vs)dc licit (nit vain licuuc pouuv oil (iv(lionlr, knrhcn, . 0 n t. Fc u; ssnlrc and ulolvvisIt iu)ni I, mr r ir) r( m pov'( s, nl meit ibm)sr) lh (oni( ni('ilrr of piprl'irs( I nun)rulc rriioi 1)s 'il )ni) Ruin oi I au'rrounl lat( n1\ nl( 1()i('s von) I n nu'nl nui Iruic )runs coonrr sn(i tv iu(t iunr n k of mali franri am( i(icnnb livil - nit shiit laiunv snoth('r.lop lusl)r(i a ar((nrrhi'r tvir Simph (1m ma)your onhm. ()aoklnk account at acnvh iniu)i imi'r'imi ('om,)nd (h('k iiu'irrn kcif "go p 1 prrirc 'ron (o lm(, ml(rri. 015 016O VISA IG NATURE BattkAmeriCard' Power Rewards. MARK A IvlESTRESSAT Account Number. ~~~ 0877 October 28 - November 25, 2011 Account Information s)()i.hhnkofsmprtr i.(om Mail billing inquines to: Batik of Amp)*)i)i P.D. Rc('8 .) Fl Pswi, TX 799898"ls Mail payments to: Bank of ) lmt:n(s P.O. Bcx 30J '00 los Anfi k ) ('4 'l00'IO Ih00 Customer Service; 1.300;0? I;? I I 0 I I S(J034 li 3 I 73 'I 'I'Y) New Balance Total Current Psytnent Due . $300 /5 ..$ 15 00 lots l Mmimum Payment Due. Payment Due Oats $ 1b 00 ..12/23/11 Late Payment Warning; If we do not receive your Total Minnnum Payment by the date listed above, you may have to pay a late fee of up to $36.00 and your APRs may be increased up to the Penalty APR of 29.99'll. Total Minimum Payment Warning: if you make only the Total Minim(rm Payment each penod, you wig pay more m interest and it will take you longer to pay off your balance. For example: Previous Balance........, .. $12G.76 Payments and Other Credits........ -130 00 Purchases and Adlustments......... 303.99 Fees Charged ......................................, .........0.00 Interest Charged.............................0.00 New Balance Total .. ....$300.75 Total Credit Line ....., .......$11,000.00 Total Credit Available....... $10,699.25 Cash Credit Line...............$5,600.00 Portion of Credit Available for Cash .................., .. $ 5,500.00 Statement Closmg Date ....11/25/1.1 Days in Billing Cycle......................29 Only the Total Mirnmum Payment 23 months $343.06 If you would bke information about credit counsehng services, cali 1 866-300.5238. /MA(hpr(dh /). i PPA h)(g DA le D p( pl /r/ p 4 o ( /V 1)hp. total 11/21 Payments and Other Credits PAYMENT TRANK YOU 1385 -130 00 - $ 130.00 10/31 10/3 1 11/02 11/02 11/02 11/03 WALGRFFNS O3378 SAN JOSE CA WALGRLEISS 43378 SAN JOSE CA ARTISAN IAMILY DENTliL SAN JOSF CA Sg99 9070 4106 0877 0877 08// 10 00 43 gg 250 00 $ 303.99 11/25 11/25 Interest Charged Interest Charged on Purchases 0 00 IjII77 BANK OF AMERICA P 0 BOX 301200 LOS ANGELES, CA 90030 f200 Account Number ~~~ 0877 New Balance Total .. Total Minimum Payment Due .. Payment Due Date $300 75 15 00 12/23/11 MARK A MESTRESSAT 1455 LLINING DR SAN JOSE CA 95t I 8-2325 Enter payment amount 3 Che(l here /d(p chang* of vd («g pdd * s dr phv i ( md P/epse pidride a/l(drer((h) d l' d der sdc Mail th s coupon along with yp r heck payable i Bank of Am r OB 7 8'17 i IMPORTANT INFORMATION ABOUT THIS ACCOU[VT USE?11 Rev. 06/11 CUSTOMER TIPS FOR DISPUTED ITEMS M&nyt&mrsih tmied chair'eleaitimateclm)g stlntcustomrrsm&vno)ir &gn«p oii mrmlx) Brforcdi putmgavhsrpe, & r«vnuuendlhsiynn)(«[&nb& thmas ,)n&l)nnM cvwv tfort inrp. ohc the &li pnt& with &ho mcrctmnt, Of)anti«mc& hant (m ,«xs«*i nur&picslirm,)nd os&)lv& solvr*ionrd&.puto Thcmmctnnti phnne numb r n) ) &')01 ) 'n«'0 0» vou)''« ')in 0)'dh))g UI &t& nil'»f Ensue)editpostedtuyoura&count'? I'les «'9 )w up tu l[0 8 &v from tla 8 &te rm ) ou& c«d«sou her nr avkrxnvksl &mentkt)a&ter(hen w&lu»)[w(d))tope»I Is the charge or amonnt anfamiliar? Chrckastbutt&n prrannsauthnrisod touecihearcounttn)nskesurc thai &tnt nvt nnkc tt&c charg). It ) ~ possiht * 8»« the wc& chants'»gn)g na mc- and. tore ns mr. Vrr differ nt or,&nnn)nts c in enaily br cor&fn &ed with similnr &'0'«'I,&'s 0)»)ch«!U t)f)v One ivay tu r.bcc!i fur tho creditc or to view transaci)on dot:uls i to look at your a&vount ata«ments online !fyou are not vnroRed in Online BankinD &t &x e )ay to erno9 us)ngibr»eh «klrcv onthefrontufyouratatementor "i)cuss wig. Plw)se rmncmber)lfyou find anerroronyourbiB,you must notifyusno!atertban 60 days atTer we sent your first statement on which the error or problem appeared to pre serve your billing rights. ONIJNB UnlinclUnl«)m i. svnl &h[cyghoursnde&,i I,)s)&»a&I&u&d ,)qo&r'vouin ')v lhc)n)slrc& )nt,)ci&»&mi »» u'&nun& PklON!! 1,866N60.02!9 I&ni prrmptvw ic'lw)vebm& th& mwrhant«)fmcncemtmlxd.) 0),i)lahl '&» the& ha) p&! I») qu t)ou. MAIL Attn: Bi Ring inquiries PO Box 989885, I'l Paso, TX 79998 '\Vhcn wntnn«plr sip uir iud& Your Nnrue, Account Number, the IHI Disputed Amount, Merchant Name, Transaction Date, anrl reference number uf the d&aputeri &tern anil pevific det«its rcgnrrlmi, your dispute, inc!udmg datr s of contact with thc morrhant and the n)0)vhaot'sr&sponae&n&achinstan«CP)hnsoi« ludoag uppv&s«&g lu& u)npntation, mcludn)a sales n)id crrxht vourhsrm cm)tract anrl f)v 'i&is&')'&'I»I'll I'«''& q)I) ).'))'tlot )f')»v)wt)))'na PAYING INTEREST 1Vc wdl not r hargr. interest r)n Pu& rhasrm on tho next st tlemeni 8'you pav the Nv» Bnl mrc 'lni & I m full b) the I'avmrn( Doc Date. anrl you had po«l m f'uR bv the pre& iuu& I'avment Due Date WewiR h) &n cliarg)ng)ntart. t on 8«lance Tran. ti rs )nit C &vh ldvancesontheh m.act&ond)te. CALCULATION OF BALANCES SUBJECT TO INTEREST RATE. ,1 "rsge Dad& Balance Mcthnrl (mclu&lmg oe&v Purr)»isa&i IVC calculate . eparate Bnlanr ex Subiect to an h)tr i est IMte for Purchases an&I fn& &) b lntroduetor«s PrmnotionalUffoi bnlancennai. tmgofPurrhaars \'I'orhishv. (I) cak «la ting 0 laity I sin neo for earh dvE m the )n8inp ryclv; l9 ) atldma »II the dail& bnlan&wstogether;and(3)d)r&dinp)h(.&iu&otthed&tlybalaneoelil thcnun)tmrofdays & u t hv I »)hng cyc Ip 1'ocnlculatothe&Lsilybnlaocvfuroach layintbis)L)temvni'sbigm ovcle,& ".ID to)&) thc t)pi«nnin txsluirr» ()) add an sm&mnt eqiu)l tv the nppl«ablr t) «lv I'& ri dir R )tp mutt »iliad I) the Iirev&o us da v &k)ih Ixilancc; ( il wld nv» Purr h), ew nea Acco)mi Fees, .uxl nc&.'!'i m,i& tir n I)& cs, w)! &Ai s&N)raU «pplii utile pavmcnt: and cred&t . It any I Ub tiubmcc ie loss ttu&n t«r) ive rrw&t it as xcrv. Average Balance Meth oil (inrludmg new Balance 'I'i sns fera and new Cu sb A8vancoa)' ca) ulat0 separate Balanctw Sub)oct to an h&tero st Rate t) r Balance T«umfora. ())eh Advan& i s, an&1 fr)r sad& Intro 8m tory or Prmnotion )I 0ffrr balance rn)m) srm8 ot th) I)«n c 7&st»etc&& or I?)ah Ad& anrcs. We ilu &his hi , [I! & sk ulatmv 1 deih tnks nci Ior mr h 1m m)h&s,&«pn&vnt'»Rmac &lc; I?) 0&!v«lnt»«..; 0nlvh&Lmrcfvt;ich&l « i»v r& ~ &hi t:& mrnt,'. Ing&ngnclctti)thuli "I'&v(&vl& lvil)nrc'l't&.t!)cl balan&Pi,i f9)n&«& 'Iranvfcrvra(ln hA&hnnce «Bi)it)anent (mdatcpnortvth )to)e)ucni'tgmg cv&l'hut nthnp&ntuig&1»ic &iRm)tlu st)tc&n:n('nth&mm&lrn(l)«I&In I aR)br 0 )I) Rsl &nrpa ro pthp&, anrli I) dnulmxthr umnt th& dad& halanc& ~ h& thr nund) & t 8 n m t lu- vl &tmnpnt L )ullum cvch* T«..drnl »c the 8 ulv 0 &Luvc fwc «h&lsvm t)u t )tcmcnt' Rmr, « Ir, & (li mult&ph dt)i&h p)vvun&vdn'uhlxdanrs(0«&Idnp&vlG)mc&. I»»&.-tc&-,»c «.,-I) 1&law&«-,n&l'I'ntn,,&mon tr .. &wl(I) nbtr,rt:q)pin'&i)l p)ymcnt ~ »»i 'r& htv ii,&n &I«l b&Lmm& I vs than vrro& et&c«t tas c&0 T c)In&Lit(,«t Uly h)l m xt'nrc «'h&l)« I &mrtn tin st )rpm nts hdlmg c«& hn I s I')r ('yrlc In) m«',(I) &«&)kp i» h" num& i&sbnr» s««hut)&hl lu&h dlhc&wvvnthct)vn,i t » tat& I'&h hr-(I'&'('& I&I«lui, ,Ul) )n&mount cqu &itnRU; pplir8)h Irnl I'r uxh( R)trmult)ph ')vrhcp)wmu- dm dail bilui v (lla)idmkloid ih*aPPh&oblePr*t')&lchnlun; a)ilth i) l&r& I »»«'«0« I)cc) )I &'x&'h«l '»1)h) c 8('nh«»») UR )Ious & 'In»)s 9 )vtcd la I I I )9 n&r TOTAL INTEREST CHARGE CDMPUTATION Interest Cha) 8&) ace) u&'am l v 0 cumlinundc&l on a daily bans. Tu dvfcvmin cthe Interest Clim "ca &i c m a It i plv e i ch!b) l an cr Sub t Pet to in trr& . I Ibde t)y it. »pph «ibtc Ila i)y I'e«&xhc R it; and that re nit &, nnihiph& 0 by the number ot &Lsya u) d&e hi[bug cyr!e. Tn de(prnunr the total totorest Chxi "For tli). Iiilhnp cyclt. we a&hi Ihe Penodic R &te!r)terost ll)ar &)st» other:1 Dnilipcrmd«got& )sea[co[airrlbyd&rirlmgmAnnu JPe&c nt ipe !!sir) hyg(B HOW WE ALLOCATE YOUR PAYMENTS liy&nn'w'&vnnttn:hnlsnc& &»)thrhffcrentA!'Rs,)v& i)i9«Rocntothcamountr)f )mir p )) nient cqvnl le the Total iHm&nn»n Pa)mr nt l)ue tu tbe loves[ APIt balan& s hrst )n&'lud)»&, t)'an n( t 1&»)U n) uh'ttp) th)x siriiculpntl Pn)'010»t sn)0»nvs»1 osc&w)a of I0«'oalklu&uunml'mmeni Du*willh &pplir lint alan&rswithh&gbe& APB. bpfnrebalon)&s » & tli I owe&,1!'.. IMPORTANT INFORMATION ABOUT PAYbgENTS BY PHONE )Vq)pun mailicopnow&lpiv h -I'hon . &i&icr.you autb&ir«vus Io mine[car& &lemrvmc ix&1m n)hm»vnm a(roun(s) thcfin&nrwlui titutionvou des& msic.Ynunmvt null«» «e rhc,»noun& and toning o[ &.,)ch p &vm& nt. Poi I our prnte& t ion, &vo w&9 ask for sccuntvu)fora&anon.Alee niavapplyforcspc&hlvd,crvico. Tocw)ccl,rnRu. bctmpttie 0& her)uk 8 p &yment date Same dav ps?monte cannot br odi ted or canceled. YOUR CREDfT LINES Tbt. Total Crerbt Lun i tin nrnnunt uf credit;«ail»hip for tbe accouof; however, univ 0 por«u) vfthativ ave)l,)A fvi IDnk(ti ha&I,mrcs 'I'h tii h(')crlitl me i thstan&onnt m nl, Ih iv inn[ &1-! «h, a (I n&i, lb.)NnkC& 8 Ul;vis»ron i.inl Nl '1'I Ca t) Mb «n sn 0 v the t vun)vi [OTI'!C)sh Ad«UYCRS))n)c Dav Un)in) (!n. h 1!,m«,() wdmft I'rntc,rv n('0, h.id&nnr( .( nsti Fquirsl& oi,, ltr tom(rl I'sym(nts, ,&»d,ipi1«ilk mm, t w)t MISCELLANEOUS ) r« 'n, I IL)i I n I 0 &r& I'In- I &tv & Iw d(m &fntu& tatcm& n& rlo-in dstp If&vn&h»i&, ii )nm nt Ii 0;i .&,Iii ~ I&'.* »i)i) li«v" I'i&nv& iiun am.&ni pt m, I t ir:)-,w I: & Ii 0 i I& «»:&c»»n& 0 nsnlt)on) CrpWt(L&rd n&»t II \&» I « c ),)I) «lc» » \ t «8 C)«cc .N 8 ih) 'cc i»n & nl &ndn innn -&r& 'l« I'110» Isr«r .,K A, PAYMENTS K r dit nnil rl ps n«nt a t thr Intc rccm& d.il thr psvm&nt &, tl) )cu:i mt Iw :pm )w < mc)tt!n,& klv stvn&nw)th rrmitt mr( vlipw)dictinnt,i «& in nthi mtvmont 0')paidsnha&hrcl &l&«&n n 0 8 8 gw,on& 0 8 Ii wn m)m t&tnt&vnor ) I S rlv)L'«n)0» ' 0)dc),'nd (!) &'nt ») thereto)» v»& cl )f)c»vh v»lv )hc ) ( nn« inc )&ntivnot'&ouvvt;«vn)entov ommmym «Pi&m&'nixr«'rn d)»» D&t'tcr: pm )oct) tm&e« tt& rent& ( u&cc addrov nr) an& d&f mrludm the Ps&ment Duc D &tr, but )lnt rti rnn &nrvt)hv,ho« ic)in )nrnt . iBh n. ilitvla. [&hi n srdm 11)vi» nts ~«)d v»l»ico)I phw) «8) & cd le)& ~ rt'rlx 8)teof creiprit nnlcb& p n Lrntml I!i eh& toi am nihp) ps) ment~ ma) he &le)ave I up tn five rlsvs. f)&v») «tab)9 qx') tr,) a» )n'&I'l «»I a)lshlrnon&v)thou)thcj «0) a))tt&n &pl«o nlotw&rnt(mi srnmi Uffi( r V. ')'wc-') nt f » »«'»I &hn'I 'I. 'n& n!', Ih 0& i)v»)! Ih * »» I ») Uon ', 'u« I »n chvik L«h&lm k &Ud»n)z(w»&to(I&'«c I 0»('«ulcc)vc«0»U fund t)»1 Ic) I I p)vcc . tt )s &chwl&orp»a) &9 )ft) Puwhvmn hc«)thdrm&nfrom«)ur. &«)um & &») n (Ncaa»)c &L & a ')c& ') 'u) I )\»1&'& I Chp 'l««i') '. I )cn »VII 0) )p»«)' )an n ~'to. tui) th VI ('I uu ' »ut «0 ) Ip) . ")8 ) ( )0 mlv' ~«Ion)bc) nn& uhn on&ho)«rain tup,' m ) &I )& u\II &II;nunm.')xsg& t&n)»&0) &;n»)a hv:I )ng«'n u»I »)1tl Ua!' & «), «)p Ih&' «»I '»I »)»I\ u» u»u \( )) th»0 rw)n Tvsrvpp)vn«nt vouvtct)r& mu t) "«hue stir ) t tine& ho &m* . Ns s hrtw .&U&»),&t) p) n)»() hc hd«11 ') If ynur InRingadrlreas nr cnntact mlnmnat)on has chm)ged, m ifyour a&ldress is ).nco) )ect a )t app& a) s on this bdl. please pro«de 00 corrections here. '&dd) vsv (*)0 ).&IC ,& f n 11 orl, I'I on&. 01B VISA IGNATURE BattkAmeriCard', Power Rewards- ~~~ 0877 Octobei 28 - November 25, 2011 Page 3 of 4 Tran&acr&on Date Pc&bog Dare Dace pboo Rara&boca Number Account Number Aalov ll rorai 11/25 11/25 11/25 11/25 11/25 11/25 Interest Charged Interest Charged on Balance Transfers Interest Charped on On Oepfkchk CastiAdv Interest Charged on Bank Casti Advances TOTAL INTEREST FOR THIS PERIOD 0. 00 O.OO 0.00 $0.00 Total fees charged tn 2011 Total interest charged in 2011 $0.00 $0.00 Your Annual Percentage Rate (APRi is the annual mterest rate on your account Purchases Balance Transfers D&.rect Deposrt and Check Advances Bank Cash Advances Annual Percentage Rate 11.744V 11 744V Cash 16 994V 19.244V Prolnotlonal T1a nba et i 0 ii Type Promotional Offer ID Prom ot i one I Rate End Date Balance Subject to fnterest Rate $0.00 $0 oo $ 0.00 $ 0.00 Interest Charges by Transaction Type $0. OO $ 0.00 $ 0.00 $0.00 APR Tylle Dennitions Daily in&ere I Rate Type V- Variable Rate irate msy vary) B.S.-M.EPIC.- - POWER P- cbRDS 304 EARNED THIS HONTH 0 BOI&US POIIITS THIS MONTH 0 REDEEMED THIS MONTH 4,403 TOTAL AVAILABLE VISIT BANKOPAMERICA.COM/POWERREWARDS binittoui ll ~ l)(l«& vhuppmg«t tht I'((»i lf i,iiil it &It, nrl vitnllonu pnrit onrl (tiurn&, I(iirh(n, vp(nts gi ir, Dime «t«l tno&r.t& n Isi til&rlf'&me« ra rom,'poivi n vu,» il m ( II ltlvvin I'flit mtlvrill(il'i oft&in(I'l« Ill bl ill . &Iylr&« i ol'kiiir«&ll »lot&bill'«rroulit vlii&mvnlv I& lrs inilr laic»»'lil uulli'ul m»ml rlonrr»ld icdnre your nsk ut rnut lieu&i,inrl ulvntitv th It -,ill el»la talung«no&hat iep toil«r(la,i i i caner lilisnie. Simply stkn rn to iour (iniuie tiarilung nv&oirm st inni.ll inkol'irnrricar&lm nml chr k the A& ron lr if'grl p iprrl( vv" &con to I ( i st irtvrL 019 020 VISA IGNATURE BankAmerieard' I ower Rewams. MARK A MESTRESSAT Account Number ~~~ 0877 November 2G - Decemt&er 27. 2011. Account Information. svwi bsnkofsincnca corn Mail billing inquiries to: Brnkoi'Aincrirn P.O. Bov BS:?:-'IS& I'l Peso, TX 70998 2835& Mail payments to: Bank of Amenr s. P.O. Box 301 &00 I.re Anyelr s, CA 00030-1?00 Customer Service: 1800.42I.BIIO I I.k00:l46.SITS TTYI New Balance Total .. Current Payment Due . ...$ 253.34 . $ 15.00 Total Minimum Payment Due . Payment Due Date ..$ 15 00 ..I/23/12 Late Payment Warning: If we do not receive your Total Mmmium Payment by the date listed above, yau may have to pay a late fee of up to $35.00 and your APRs may be increased up tn tire Penalty APR of 29.9944 Total Minimum Payment Warmng: if you make only the fatal Minimum Payment each period, you will pay more in Interest and it will take you longer to pay off your balance. For example: Pievious Balance,.......................$300.76 Payments end Other Credits...........,..-50.00 Purchases and Adlustments ...........0.00 Fees Charged ......................................,...........0.00 Interest Charged....................................,.........2.59 New Balance Total .... .....$253.34 Total Credit Lme.................$11,000.00 Total Credit Available ............... $10,746.66 Cash Credit Line, ......................$5,500.00 Portion of Credit Available for Cash ........................... $5,500,00 Statement Closmg Date .............. 12/27/11 Days in Bilhng Cycle ............................. 32 Only the Total Mmimum Payment 1.9 months $ 284 60 If yau would hke information about credit counsehng services, r:all 1-866-300.5238 rrccmcr on D !e Pdsrrr g D I Dere pr p Rfo c Accdrlpr Iydrphe A rlpuhl rhIAI 12/21 Payments and Other Credits PAYMENT THANK YOIJ 1460 -50 00 -$50 00 12/2 7 12/27 I 2/27 12/2 ( 12/27 12/27 Interest Charged interest Chargerl on Puichase- Interest Charged on Balance Transfers Interest Charged on Dir DepgChk Cashndv 2.59 O. 00 0. 00 0677 BANK OF AMERICA P 0 BOX 301200 LOS ANGELES, CA 90030-1200 Account Number: ~~~ 0877 New Balance Total . Total Minimum Payment Due. Payment Due Date ...$253.34 .15.00 01/23/12 MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95t 18 2325 Fnter payment amount 9 Dhecl re . fp&c circnyc dfmcdmdeddrecc p phone numbers Please pn ndc cd rdpecrru &s dn Ihe re e se s r." * M I in s pupmi pimiewti& ycu«beck payable t 8 ok or A 08 7 7ii~ 021 i IMPORTANT INFORMATION ABOUT T/f/S ACCOUNT USE?[1 Rev. 06/11 CUSTOMER TIPS FOR DISPUTED ITEMS Llany tmir. ili, & un 8 el«i,i&c feg Immic clmracs thai cust( mcr mnv on) rccognwm 0& &&m mh &r Brf(& (h I utmgnrhxl'& p, I'cmil n&pn(lth&i vonxcr&fi,i f& ([Un( & ,indmnhccvcry et( i t I ~ &e ol)ethv(hsputi wiih (lie&nci(lmnt Of( ntis m ichnnt& in ansxrer/uur(iuc l&uns xndvm&lv( . I '&'xom(hsputc Ihcmctchnnt'honsnu&nhcr i&nlx l (( h(vatpd »I)OUI''('(('(p(UI'dhn ' ii('Alen& Has n credit posted tuyouraccoant'! Vfva«)a[[os'up&0[08&v frooiih&'da(&'on&AU&'(I'('d&t o& hcl'AI'cknmvt&d &n&colic&( vl& lhpnl'&(hnxt( ('ill pal Is tbe charge or amount unfamiliar? I 8('( k '&th 0&hl'&'('I a&1A 'n(he»'7('8 10 Us .'h(',&I'Conlxt I In» 1(I" A&V thai &hdnotniakc(bc&ha&g(. Iii pose&i&l lfmtihcn&r I&im )»gmanam: andstorcnnmcsacedifferm&tornmountxrn«,milyl((confu mlwithmmilir ch il" (' ol'n'hale t&ila Onc iv iy to checf for the crmt&ts (s (i )iev: transact&un dere&la i . tn look,&l ) our acm&uni staf men&son[inc If)ouarenet mirvBeiiv&On[incBanking.&i&se)si lo onro8 uvuig the iveh aditrvs. on xhc f& ont ul your slatv(n mt or in p us s mill Please rem 0mb n: [f you $&d an error on your bitt, you must n r&ti f7 us no [atcr than 60 days after we sent your tirst statement on which the error or problem appenred to preserve your t&i[ting rights. ONLINE Onhne[l mkin is mail ihlc!4[niur adai,?d nx«iic l,u&&f ,llh»v ''I&0 n I(' I[&On)osl I c(wnf lchiin cn nl'cl'AUAI. PHONE s 1.866.266.0212 [I»'il'naif)'I p('x'Icc, 1)f&& I. c I'»vc &he &x&(') cf'I u&I I'I'fc&'('0('.''U&mi)ci ( ,n nlnt&fv f'0& the cho rgo(s) ir& (Inr. t&cu. MAIL Attn: BiBing [n(fu [Clos PO Box 982285, El Paso. TX 70998 [Then xiv&ti&1 D please inrfod(i /Our Name, Account Number, Ihe IHl Disputod Amount, Merchant Name, Tranmzction Date, anr[reference numbex of the di.puicd &tern and pe& dic &lola&is rc nri[n&v your dispute, inc[u&hnh (tates ef aunts a v it h the morchant "o&T the inc&'('hant s &'('silonse &il cRcb 1(&&L&U('e& Pl "I 0 » Ic[»(f& '&if snl&f ( I IIA( dr&( urnm&tst&on, &arfuihng. Alas and credit vouclim N & on(roc! and pnilaxe return receipts I&a pr A of nf any i c I urn PAYING INTEREST Woxv&8 tlt)I I'[large&I)ip&'(isi »I ps!Cfa&seh n 81( t1& st&i &i(ln( ntilyou paytht: Nvw flalmrc1(nafn&t'ughvthe t'a»mnl [inc lhxl .)ndxou )md pa»l ntnBh th pr- mu« IM)mmit Due Date 'iVc will begm [i trgmxmiereat on 8 xh&ncv T),U)sle&x,)mt Cn h Aif anr. )(mlh trl&nsaclion&Lxt(. CALCULATION OF BALANCES SUBJECT TO INTEREST RATE hiiivi rDa&li Be[inca 51(tho&lfmxlu&lmgocwVm 4&se i. 'ipe ca[cub ie. i'p irate lb fanrc Sublc( t lo)n lr&iv&v t Bat * to& Piii([miss md ti)r ca:8 h)ti educ(A& I el' I'01)alii'slid Ufl('& hAhnlc&' AVI 'tn&s f 1'urch &s:.'Yc &l( lh [ilra[cnlafmg i lnlyiwlnniw foi each 8 17m tlti hilhm; i& I; &2) mlifmg ill thc da&[x halanc&'siopeihe&; an&[ (8!&hr&du&n the um oft1&«1mh l& 8 U) br thv nun&brr et&lays in Ihv Inlhng (yrf( Toca[cu[atelhedm[ylwlan(& furcichdaymllns. Ii&emvnl'sllm cv(lc;s "!0 takpthcbpxmnin'sxls)i(r»N)mhlnnnm(mi)tc;naltotho(&ppl&cah[p [ln[vl'(rin&hrBate m& ftiplw([hilt&epiei&ou«[ iwsduhlmluic&)lpsdilnvx Fir hi (v nr A»count['rcs, a&»film I&ail»It& r&AH&,:un[(4i 05(1'I&lap[&fir)iilcpi)01('&&(vend 'r&d&I'.I[any M&fv habu& co m 8&'x lb(in ) e (A a 0 t &'t'0 t &t a(s z( &'& . Average Ha[ance 5'[cthod (includmg new Ba[auce Ti an fera,u&r[ neiv L'a ah Advancosi; Wc rx[ ulste sepa& ate Balances Sub!oct to an lntct ( st Bate for [la[ance Trmxsfors, Cash Advances, and f(» oa(h lntrcilm to&1 or Prnnn)&lan 8 Offi i i)a[ance c( &icisuny of'Mian((FIA&nsicrxort'xsh)! nn(( . )Yciluth« I».fi&(sh &iilmg) hnfvhdxnm forearh )Mmtlns t)tvmcnl'&II&c "&. clc I/lc&lulxtnmadt&l(h&fcicc(& mni&(L)vp»orlolh&s . & itmncnls bilfmg ilcftmiha(f i''ic ['i(feb ihxnm .,& f'« I i I I, li»A i(08 ilnnr 11'ansfcl & & A(! I 8 ldx In; 'Z1(h If&'AA:lchon&I IIC i)II IV I IIU I n&'01 ' h&gula (vcf hui &tl&:iPn tmkilaf &Dt[imtln .Ut(men&.&»gni m lv:&'i).idl n&(011(lwdnh. !mla&i(ps(o(, ihm,am) i lido& lmgthp & molth Lnl hnl &nm ~ IA tf& nunihe& l(L)1's&n il ~ at,&i (neat'&iltu& cycle '[&&()xlmd&tc th(. (Luli l«l m« I &r I I &x m tlu: t in mr& I»I&dlma x I'.Uc !I) nndnpbmll&i&5 I &c& AU 8 A'v 2 dx I»&hxm x( l,«fin ) Bil i« 'I, n I( -, &v (1-fi 41) U»P-,A0I'll n)-.)&n n I'( 'l 1(J) & '»10 I,&f ( 5() I 5 1)&x'n& 'AI,) I 'I '& I[ 10) I[nil)[is[an .[Cast[&an(ti ») tr)it t;iv.& rc 'luce[ n[&t(,&(t, &I l,iln) Pter(a(hihv)n& 0 t »ln i, tmv nth) &I!i&u (x([, tha& hi lal'&( ('wlclvl&n( .tll ((Ah( lls h«,» n t r I, lx &( n»l t hl«[PI I & I'&'i'vcfv l))fane ( hvh i[i ( && On the t& n i «0 I I« I'&& i & I I' f'( I il n& & cli ,»[&I n&UUAUU( C&&U&1 t(1(h( '1[))hi &I)1('niv t '«5 ,'U ' 081 l '(I In I'I 'l ' &0 dn dn&l i))Un«.& I! Unl,ddnnh &I&c, PI I nbic1' x I I)10& v ~ m fthmr&chic(t I &)n&wl('I&nut&«* I[&'('xchnh'l nl lfn" (&I uf d(»1 dl i&»1 « I& n& i) let .' nl in . &On'g n.( v b TOTAL INTEREST CHARGE COMPUTAT!ON bxtcre.IChorgcvaccrueandare(ompoundedonadsilylra is I'u(fpicrnnn th* Inte& c. I I 'har cs wc r(iuft&ply Huh Ha[ance Sub!r& t to lntcrvst 8 &t( liy it .U)phc ihfv lla ii) I'er&odir [M(e and the)ress[i is mulliphpd by the Innnhpl'[ (favs nl dn: hdllng ecch'() ([alennine tfis totaf Interest Charge for the biBuM cycle, we: a&pl tbo Pm ioilic Harv [r»ere. t ['h ir (ia IA& ('hor 8 Dmly Vermdie lists &0 cxfcu[atpdby &liv&&fm,&n Am&u &I I' &('& ntm('of 11) ."60. HOW WE ALLOCATE YOUR PAYMENTS I[ vour account has hnlance( i»th differs n / PI(s we s ill xllo& &ti ) 8& miounl cf in&rpayn&cn&e([u(dtothi'Tet(dl'[In)&m&ml,p&ocr&illu(.tnth(*f(mw tAV!&balms f)rxi [U&Chldn&f, in) (Ia&&C )Ion X ma&[0 ntt('I thla SIR'fCI&)e nt) PAVA&ont Inn(&tn&is ill CX('(&ia 0! Ieu'nt[Muunumi I'ayment Dna iv&[lb s pphr I in hnlanr( a ivith big hm 8 Pll- i&rfcii hs [anrc zitbloiv&rAPB . IMPORTANT INFORMAT[ON ABOUT PAYMENTS BY PHONE Whpni& i(a& lb) Ainloe(i[Par hi 1 hen''I')'a minn U(lh n& ' I ) nut» I 'n &'lect rom(')) )yam< fin)UI'0&)l'R((0\In! lt ihc fin un 1st n& Inn(1 n x U 8'.'Ign U ' I' la )RI authorize thea&nom&inndtimingofm)ch payment.l oriourlwoic&l&on,wcailln I tm svcunty u&fo& mat&on. A fee may applv fur cxpcdned cm i &ce. To cancel, e x[1 u. bcforc I f&e schoduled p unnent date,. Samed Xv payments caimot be edited or cuncelcd. YOUR CREDIT LINES Tbv Tot a[ Crsd&l Lu&cia the mnuunt ufci edit mad i1&fe fnr Ihe accounh ho we vi, univ A peri&rn&uf'fhatnsn a&Lxhfofor RaokC&xhfidvanv& I'hi I'yivh('r (hi[ m & Itv&t xmvnnl ulmxca:nisi [rl&i ILml(L'i ha&1'nn(.'&,O(n&&,8) 8&nf i') h I l,na -i n & &n( X['1!Casbfid ancea,Uvcrthct'ounter[(yf'1') t ash,'id 0 i VD»un INv(&nlmcCx-h Advance,(Iver(hat'tf'tx&trrtion('a beIdw nc(,C& hl &iua«l nt«8 Iurnvdl[iymmi- :m(i )pplic)1&l( t& xn I& imn I'& pc. MISCELLANEOUS "P&Anat& )n&l [ Al'! n It)&fp lb(-(lxtc). Iv» (IA(,& I& IA( -I, I ~I ni (Inn)» Ltl( Ilxr&ncfmn(i onrpmn&vnidnvdi(*.tt»-iki! Vidil han„, fun & (i n.n»i &m,»& n(ht( nls nl »'8( I I & i(0 &hi f ~ ih ')i'nen 101'lh *&on&i I 'I '('& AIR And(0 nl)n n .'lion& .It'&& A& I & & I f( On& ( I('8 )mc men& F[ACndg nn *. & Atradcn&oi cff'IA(iiril. & in..i i lf &-.i,«u U nid nnl idn»n(st&'&p(lhv! [AC)& 18('& Ic PAYMENTS p.'r*ditnm&[&fix 'men& rti flhrilat( &A&Pi CI &l(li ix& m nti &l)&me&v('dhx ipm 0) xliunv ith &hh - -h n Uitl& iim&ttui« -lii m di lium(I'ii(n mhli t cc&ncnt (2&p» I nh &(h(&l 8& A nmi. I lln. &n 1 L 8&, Ac& dm t)iui& ncr ,& L 8 [0[[ &r rlmn x old r sin[('(i & I&)a& &[I'I& in(&ivn CI &p& m li »&1 It»'cuu&L'uwc p(niion& t vcu& . I »«cents(c &mf»nlvn& ' I',nnlcnl& rc(en &1IA o& Ul af&, ', 0 0&, [0(l [ tm», I tt» cnnli U)m( &kf&c on Un 8 )1 (ncludm('&c P& men& Due [1&)c l&ui &hot 0(h rv & * nl 'pi lhe, Ile p plica'Al nl di I»'(( hlv I.& Afih 'vxl kn f'&)A&cni( n&11' 5& &(A I 'ph' 'lh 'I 'd&I 'll') &Id» !U 0( m ipi Imi I ln pm Ccnirxl C&w(hitr»anvcthp&ps)mpnt (ui)hpdelav dnp(A(i dsv &A)vm ni [milo) &.iic,i sn,&c (t&i.n»i &I& I& n(nimlhmi(ih& p&ior &ini(n ,xpp&0)I&lofoncnl(m( 'mn& Offi' p. » '', m Ii »'nl«&«is 'I. I A&',ll I 0 I»CIA'& t (0,(m&I «)in ch(il L I'hUI * I (Uuhvl&zc 'n I &tvnl«I An('niv&8'n un!Anil II Ul'ICI (I'(m ",.&t;&x &ti( horiwpei ([&at't) I'0(N)nmi lieu»h liiii f om wu;,«nun&,i Ih&' An' ) 0 ' 'me&') UI i Univ»i I 8 ': (&'' I 'n In&' I » 0 A» 'll( nul 01 I IA, (Ail th ' 'AA ' ») I &AU»'c(-,& I .I'l 0 8&«: I lho»( '( ' f» ' n& «'i,u I I [I nl n& no&ll\ i&AA& xon('wl 8 '('! U&s I '» (& &tli ) ') «Ul I lp 8 '& ) A& n( A 1)i, n'»I nt ppx)m ~ t v xr'&r& nn) t& &Uhu a&l)& t(ln« I 0 &n -«Im bc/on* i(kl& xi ,'i&lilrcsa ! St.&t'ip An.(,& C(»l f)0m&1'lmnv Xyo& I''hcnc If your hiBi ng xddress or rmitact information has rhanyed, nr 8 your add re. s is mcorrectasitappearsontbisbilf,plssseprovi&lvaB(orrectionsh re. 022 VISA IG NATURE BankAmeriCard'ower Rewards. ~~~ 0877 November 25- December 27, 2011 Page 3 of 4 rfcbCCCI cfl I ci fffir ye/cf cc ACccf fil DCIC Obre Deccbyffoff Ncm be N Cfbr Afvcffbi 70ICI 12/27 12/27 Interest Charged interest Chaiged on Bank Cash Advances TOTAL INTEREST FOR THIS PERIOD 0.00 $2.59 Total fees charged m 2011 Total interest charged in 2011 $0.00 $2 50 Your Annual Percentage Rate (APR) is the annual tnterest rate on your account. Purchases Balance Transfers Drrect Deposrt and Check Cash Advances Annual Percentage Rate 11. 74'IV 11. 744V 16.994V Promotionsi Trslisaction Type Promotional Offer ID Promotional Rate End Date Balance Sub]eot to Interest Rate 5252.00 5 0.00 5 0.00 Interest Charges by Transaction Type 52 59 50.00 50.00 Bank Cash Advances 19.244V 5 0.00 50 00 NPH Type Oefmitions Daily Interest Rate Type V= Vansbls Rate frets may vaiy) BAIIKAMERIOARD POWER REWARDS 0 EARNED THIS MONTH fl BONUS POINTS THIS MONTH 0 REDEEMED THIB MONTH 4,405 TOTAL AVAILABLE VISIT BANKOFAHERICA.COM/POWERREWARDS tiivf & n Ih cfnn incnccel pipfiics siatcnicntc'nlioy i a I orgnnrsuon ofyriorarcounl stalcmcnic nn u yoni'ilclnclil inri trinsfctioils covncr snit n ftncf Ifin Il k if ni ni fr nit niii iitf nlih Itiril litt uinif'I iknik oinlhci'slf p for nrl ',1 rirr nf'I iilf' htf Hnnliii ~ I 'n ni I i foui'\ nhil 5 nkinc 1 «nnl, I 11 u tmni oimi n,i corn nirt fini; ih r rcni tnif "go pipcrtcss" Hf&n io gfi siortcrt. 023 024O VISA IGNATURE BafykAmerieard Power Rewards. MARK A MESTRESSAT Account Number. ~~~ 0877 December 28 Janumy 26, 2012 A~count Information rishi.liankofamcnnr.rom Mail bdling inquiries to Pallli ()f An1clsrka PO Brm08'?.'WT I.'I I'aso, TX Tre382335f Mail payments to. rauilt of'Amr.rlwi P.O. Box 301200 l.os Angelow CA 00030.1200 Customer Service: I,II00.4 I'I ..'? 110 (18001?4(UII rli TTY) 8: J&Cur 4$.,i&$4, . New Balance Total . Current Payment Due ..$ 258. /5 ..$ 15.00 total Minnnum Payment Due. Payment Due Date ... ..$15.00 .2/23/12 Late Payment Warning: If we do not receive your Total Minimum Payment by the date hated above, you may have to pay a late fee of up to $35.00 and your APRs may be incieased up to the Penalty APR of 29.99$L Total Minimum Payment Warning: If you make only tho Total Minimum Payment each pened, you wilt pay mare in interest and it will take you longer to pay off your batance For example: " 1 „a~im+s..;,i Previous Balance Payments and Other Credits Purchases and Adiustmcnts Fees Charged..... Interest Charged............... New Balance Total... Total Credit Line...... Total Credit livadable Cash Credit Line,........... Portion of Credit Available for Cash .......... Statement Closmg Date Days in Billing Cycle,........... $ 253 34 . -50.00 62.58 0.00 ..... 2.83 ....$ 258 75 $ 11 00000 $20,741 25 . $ 5,500.00 $ 5,500.00 1/26/12 ...30 Only the Total Mirnmum Paymont 20 months $291.97 If you woutd hke information about credit rnunseling services, cail 1 866 300 5238 Irc v erron Pere Poof ng IJ ie frefercnc 4 onl N ocher hf I fora I 01/21 01/23 Payments and Other Credits PAYMENT THANK YOU 1521 -50 00 -$50.00 12/30 12/31 WALCREENS h3378 SAN IOSF CA 1li62 0877 52.58 $52 58 01/26 01/26 01/26 01/26 Interest Charged liiterest Ciihrged on Purchases Intere t Charged on Balance Tiansfeis 2 8;i 0 00 BANK OF AMERICA P 0 BOX 301200 LOS ANGELES, CA 90030-1200 Account Number ~~~ 0877 New Balance Totnl Total Mmimum Payment Due Povlnerlt Drip. Date $ 258 75 15 00 . 02/23/1 2 MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95118-2325 Fnter payment amount 5 cl ecf here fo n ch n„e ofn c I 8 noorccc or phon nun I err please pfou de nfl cf reef o .. c n the crore «oe M I ri»s c Iw g irh your check ceyeble t e nk of hm QB 7 7II ~ 025 IMPORTANT INFORMATIO/6 ABOUT THIS ACCOLINT USE711 Rev. 06/11'USTOMERTIPS FOR DISPUTED ITEMS hlin timr &ti I ut &Icli(u .H. h."„itimste &!is& s -:ttml cu(tume&(mnyaut rc&ogn&/e Ii»m ml, li foi'& puj ~ »,',rhua((& p&(0»unc»dit&ntvH&vpnf) nl f&&'&tung ,in ln»4,iriv& ff'or&« r (ol)cthrdi(initr nthlti mc&rlwnt. Often&beni irhnnt& m a&sirw rout»&n(t&ons&nrtrn &tvr nt vronr(h putc 'I'h& uic&rlwnfbphorx I«iwbur rnn I&( I &(us I »& ur&vu'jptu! I dh»H ~ tntc»&»t Has 0 c& or)it posted fu your Lccount'! I'h&i-i all(n up to 10 Inv( fro&~ thp i)at& on)mr crc&htiou(hci &n I'»0 is\'u '»wnl 6'&Ir& I » th&'OI'«hnnl & I&'6« IO pc»I Is I be charge or amount unfijmiliar'! I t»&l& ith th & p )sm&sw«twrimd ton i&thea&emmttnmakcsur& this &libel nof m ilu. thv i b Lrx(. Ii i poa(&htr Ih &t thi n» &et»in((* i»ging nome an&!stow iu&mc a«'htTcrw)t or»mount(&!n c(advhe confu(ed with nmlw' tm H&' n( lu(tc iips Onc w() tri chrclt for the r reihts or to»ev. transaction do(sits i tu for&k,&t your ;lc&ount si u:»&cljt '»!Inc If10» In'L nut snl'f& 6 in Orlfino Sanl'ing it is easy to I mott u m&f the&&eh,rklr&'onthpf&or&tutvour(t&h Invntorg&&cusacafl. Plea se remember: If you find an e& ror mi your bill you must not ifv us no later than 60 days ofter we sent Your first statement on which the error or problem appeared to preserve your billing right (. ONI.INB Onlincliinlmgi..«ailit&l &A!niu&(adn.i l»H,& wl.,m&t ,I&low ')'0& Io»'H tt&c»lovl &'t &&jf &c&& «& 0»»»;&c(0»nt VHONK n H I.bp)6.6(FLOSJE Io & 6&' Ipi ('I IC '. I h(&v '& & c th('»»'&ch »t & 'f'I('»('& »un&tx &f(i (&(&ilahlv f'n& &bc & hwR' m &iu( t&wi MA!1. Attn. Billing fog&&lrfpa PO Bnx 9666SN Sl Paso. TX 76066 IYl&on &vntnM, pfv i(r u&& In&fr yuur N&une Account Num her thc !HI Disputed Amount, Merchant Name, Transaction Date, and reference nu&nber ol t1&e (bsput( 6 «r»n and pe«lic &lut»&Is regin(hr&v lourdisputr.,incluil»iy &f;itc. ofcmitactv:iihthc merchant nnitthc morchant'(r& p msemc&rhmstnnri.PI»Le& mrh»f »lt(uppnrtm(," 6»'i»nm««&0», »« t» hn! -shm &»16 cl:6«& ouch 'Iw( ionn'Jct and P».11m C& tu&',j»PI(,W Prnr&f'ntam & Ctun&v PAYING INTEREST I')&r iv&1! nof i har;: intrrr st un Pu& rfin au( nn tbo nex& (tatwnent &t'you psv fbe Ni )v 6 )I mr i 'I »n& I 0& h&6 hv th& I'j&mr nt ) l»o Dstv. (n I & oi& h «t pmd in 6&!thy tbcprcv&uu''avm(nt I!uc l)&te B'illhe met»ryingn&ur:.tan Bafnnce Trsn(fer(miif C&sh vid sni&& On(I& trnnsact&onduo CALCULATION OF BALANCES SUBJECT TO INTEREST RATE :4eragc Dub l4in»cc)lc&fuxl fin&hutm&fnc * Pnr hs(csi: tYewitwitatp Li»jr&teli fence(Su) icrttosnlnui&(t thteti&rPnrrhase(anrftor c& hlntioduwm& m Pnjmr&tmnilf)ft&ih&luncerun(& tmgofPurch& es )Ye lotlu(h . (1)&ahnlum»a&lad)1»)lance(&we&'hdxvmthr lugmg 1&h:fg)whltns,,>he'uf& I afanc& stoa tfw»snift)I&&t&vnfmethc sum ofthednihEaten c(hi tbemm)hcrof&lu( n&tt»'l»limp(y& 4''o c it& ul &tc Ih& dnil& balan& v 6» m&&b il &y m &Ins suit( ment (bit!0m eye!a,) "Ol t i fir the tx i imunlr b»t Hire, i 6l »&fr! ni (n&xnmt L p&»!to tbr&npphcabh Daitv Pe«&xfir fl )te mutt»iliwtbi the Piein!&i ~ ih '. Su)i I ~ Inn&&,(1)adjt ne&vpi«&ha(ev.nvi Accu&mtp«., .r&xinw 'I i m & i tiunl'(&&wl(af uhtra&triplitic hi& p(ymrnt: and &rv&ht .!fany tub hut &»cc ale (&hon/cru i I Litit 1((c&0. Average Balance Sic tlw&t (mctudum new Su!ance Transfers and new Ca*6 Advm&ces6 iye calculate separ )te Butancos Subi& ct to w& Inta& cst Ham for SaL»&ce Transfers, Cash Advmm,amlforrncb lotrodnrtoryw Pron&otiw»dOffp&ha!an& ronwsrin of lh f in&v1'Hm Ici w('(vh Nh,i&x c LY& dn!hi bv: ff&cate»I itm a deify I»lan& & fore»rh I» in!I i -t, t m»(xh gmn& L';i'!I v&1& t«&w,&djjly&1&)lni)c& fn&c(chd&vpriw nittu vt «Cn«C&'& gm (IC&h»&hn l,i'I'i (irh I &ilnnre" a I'&(I )Clot&a!mr!& i f6 Innro T;«ist' Hi)1 n &I (m (1th,itwn,&rt&unditi*pnort Ilnsst&t&nicntl bitlmv I u& nh.i p .Iin &late»nlnn&lu i.«ru»tnlb!»It»& c&(1&1(ilmf&t&nu aft&brdmly !r L&w(-t&& tl»,, nl&!i&I & Imgtl&c(» n i&he la&hhalmra hyth nun&tx& Irl&v(m & lu- i, t .mw» 1 h&ll &is i vrh I »,6 uli& il &Inhlj Im rl 'r& hd«&ntln t,«rmcn('&dfn&g & 6!,H'l) »-hil, « '!& Hl, n: m untr, wit &h '» P! C&hl 1)&rh I' &tn 6&i mnhipl lli& tl» i & «w I » I, i)i I(ilui«,1,«t&l»viilhiL&n&& 1rsixh&-,nvu tb-I'.»«- r-.'I, i-. I »il« .&nl(!,'..nl tr, t.itibrihlclxiymrnt ~ .«iici ilit II &» fl irt(I 0' . &6»1 j& &Os *t&r«« I /&Io rivi &I m«'Iw: (6 in P»w tn&ln ~ I nmvntx lnlti ~ " 'fr Ih&ij I»& I,& I'& I'&(I I: I &r .&I) & &I( &I& lx" wi& ~ '. I»ljn n&n&uu»&hh nl n( I'».t: (lr lu&h &I'I .(&» n I'i i&, n,»t& u& Iut I'&fw gr I I''«tvl» I, n« &,I!) It. n, n nnr ! H&l&»th, I plir 11 l)»h I' (h, l(&t( muttmh (tl&vth& prc&im& I»i»i« ili, iil, lil nl ihv, pphc: I 1st''iclr t)&t, nrp( &ri it!i u ivb ted fr m-,& nw& t&«. Ti & ulml I'n dn L &1cnl &ti&m,dl t&,m,&rt&cn(pvstcdu& pr &on I &ll n/ v I TOTAL INTEREST CHARGE COMPUTATION In(vro(I Clmt g& ()ccrue sn(la& 0 ump&mwlcit ona (Bit ba. i(.'D&&tv! vrmm&. ib * fntei&. IChatg&(xcmntf&iitvrs& hi)at »&rc(nb&crt toIntri&.f!M&vbyit apphrnh!i Dwt) 1'&»&xliv i!swan&! &hat&e(nl&i nmtfipb!(!)&ythenumhp& of days in&hpluHuMcyde Tn rt Iw m&np If&e tui.d loterv t Clwi . Eir rbe bigin ~ ryelc, we arlrf lhp P& nod&c 6&to fnterc. I Ct& 0*:.. In (ther,) Dailvt'&w(d«g «( ta( &hut»»rf1& ilividm (mAi)mial Vr.«ent &6(& HOW WE ALLOCATE YOUR PAYMENTS ffvourw'&onnt tw(I»inn & &Ih 6 tic&en( 'll'Esj ( & &ll <o&'n&pth& (mountrfrni p 1)ment«punltothc'I'ut il.'&lnnmum fhnrnont Duct( the lowe I AV!t t&atancv 'nst u&efu&bni! t&an,«i&unv m&dr,&ft:i th&v Ii IC»»»i& Ih)yi»& r&t,n»0»n&H»1 m rr(S Cfyin» I'itnf)lu&mnm&V:&m ntDu iVigt&,iili ilt twlanr(»thlnrh & )VflvhrfOrpb:ljn&pa iith lower Al'Hv IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE Iyb&'» 0»»1 lh 'p&H'»&0 I u 6& I ho» *.('!) &«''0&&»«h (&/\'»(1»11&t»&f('»n CI('&'I!'in»& f»1'n10»1 n'0»11'& (i(vu»01 H the f»1»H»d»& HII I 0010L& dcsIS»nlp Y0LI »nisi au(br&r&/e thr,&mount nnd&&rrui»1 r&f ~ &ih i»ivm n(. )or i Oui pm! Crt ion, ivc wilt n L h» (pcut i tv into& marion. A Ii e m ii .&pply fur cxpcifned vcr vice, To rancrl, c(lf us befme ttm scl&odufed payment det&( Samcda& j)ayn)0»ts canr)ot be r(bted or can«'06. YOUR CREDIT LINES Thv Toi il ('rpdu I ine &s lbc nmnunt of cied&( a) o&fsl le I'nr thc accoun&, ho ve a&, un!vs pc&»ionrit'that i-,ivn&t&ililcfw IMnhlii ha&I,w& ~ 'fb C(& hO (htl.inc& Iimtnmunnt &»ihnv& .nl&l&h Ir Hint,()-I & I n«( ~ n j,,lh 6, ~ I: f,& h.) I, n ~ wm &. lot Nl'i%1 0 & t&A&haec .,()Lcrrhvf onn!w f(iTt'ff n(h)(t&!0':,.'.:u& 0 Davt)nims(in h .)&1& mw& . ()) td&ntt I'tnt tron t'0 h!)N, nrr, C& 6 )&iun &frm-, krtu&ncd lb&ymcnt., :In(trip! 6 jhlel:I »-. »w& I MISCELLANEOUS "I')cm tiwwl »H&cl n I I)»& Iln- I» & Ivw (tcn i I& tm -t n'mvn& Pin.in!1 Iii If!00&'hu&»vv&» ILI »& '»I I '&6 IP !6& Iu uhl h. »H&' &'»I;I u»&v tin&11»1'L'I I 01 Ih '\(j»lpfvl I '«»P, » 1«»1'I »» 0& \ H» .I«'»I &»»lf io»1 I &'cthi C»'6 0 CII Il &It»6 I« ''1. &»HI »»&j OI I IAIL»d. 'I HC .x 1 TI&I I ~ '»I t ~ nwt »«turin»nivtv& 'dh I I I( i& I(&& n PAYMENTS Bv r rh«niitwtixwm n!-,i' fin tnt& & rnid ittti i &vmrnt&( tl)r(cwi u(nl tm; Ih,& hl -,-Ii n n tii &vm«t mc( vl&pon tlx hunt & t&n n n»mhf& r it, n»nt,(J)t»i I nh, &tv ~ I di is i nih ddt; r.on & I....(i isnrwlinviitur»innr I 6 S I )!Lu»&»l ' » Ic&,,u& I! && witm &f&L &('u»» v»vctopl'n»!I 0»fv Itlc I'cnuf'I(«1 I wtnn I o» . Iuwm& nt.» uirlwn ma i& IL»&»nn. &Crvn din nw&faf! »(Iim focal imt,&1 th &vmnumc&'0&tdrc 'n&&n& Lf &I u&&tu(fmgLhcP nmeu( Duc D «c,bu! &IN& O&tivr ~ i. m r&h,i» ( i ii m ~ t .& 6&& lirrrlj. fttirn Wda P&Vnmni( ma I n linvm ln phon &lib «wl«vl & ofihc l«&ofrc 0&pr tmsdch& 'm.t &ntr&I. '&hf lol Hnv th&'I'n&n«'nt n& « I &'dpLI '6 0! fr) tive L&)' )6'i&»1 '»I 6 &6 0] 'I It(*,1»» 'vn& f n& i,&tl hl 'I&»»a'Ith(&»1 ih&'I I H» n'I&tu '1 .«&p»j&tnt'c &I'uti&,( m rt)lh«r Ii 'il'«", n& -Ip»»&'» 6 CI 'I &t&»'.Ihi»,u»&'th'»&I «».«'I',''Ind nii h cl, I .i li .h: I, nuthv«rc» ! i c& v itc & om" tunr clccn nri fund ri m t).i I » . H,I «'SC '1&01 I,u&c& 6 161 Fu»d'& I 61'vlf l»h n»l f 0»I \00\, I' n» I Il»', »' »'«'I'«0&p&»&c»I (6''I;»i'0«I'«»»cdi IH I 't 0» «&»» I I '"!jib '&* 11»u& 6»& I u u&(fP& . I'&6,« Ih I& 6 »«n&hw&/ ' I I iv '«'»I '«&I .It I I di, »I ~ j u( dl »»I 0 6 '& I »Ia I ' »i & I 6 &0 \ I (»I I f& Ih ')un& '»»»»ro»»I & 'I «IHII I I'(nu I )HI ppn»'«»u&'H'I »» I '»hn,«h(&HI&tu(''10»&" )I'&&I»& Ifyonrbi6ingad&lres(orcontactinformaiionlia, changed,r&rif)vnirnrldresais )ncurrecl as its pppar on this bill, pie i(e p& nvirle a6 correction( bere. A&fdj "(I &« td& &'(v u (&( »I I'6 V.wh I'Ii& n: 026 VISA IGNATURE BankAmeriCard'ower Rewards. rra»ssvi vo Dale Po rfg Ds fv ~~~ 0877 December 28- January 26. 2012 Page 3 of 4 r&vrviv»vv Avvv»»r N&f »0 Num vvfDerv stion Ar»ovnf ra&8& 01/26 01/26 01/26 01/26 Interest Charged Interest Charged on Dir DepgChk CashAdv Interest Charged on Bank Cash Advances TOTAL INTEREST FOR THIS PERIOD 0. 00 0. 00 32.83 Total fees charged in 2012 Total interest charged in 2012 $0.00 $2.83 Your Annual Percentage Rate (APR) is the annual interest rate on your account Purchases Balance Transfers D&.rect Depost.t and Check Advances Bank Cash Advances Annual Percentage Rate 11 74SV 11.74SV Cash 16 991V 19.24SV Promotional Transaction Type Promotional Offer ID Promotional Rate End Date Balance Subject to interest Rate S293.90 0.00 3 0.00 0.00 interest Charges by Transaction Type 32.93 30.00 30.00 SO.OO APR Type Defm tions Daily Intsrssl Rate Type: V= Vena»is Rate (rste msy vary& BANKAMERICARD POWER REWARDS 263 EAR&IED THIS MO&&TH 210 Bc&&US POINTS THIS MONTH 0 REDEEMED THIS MO&ITH 4,663 TOTAL AVAIIABLE VISIT BANKOFANERZCA COM/POWERREPARDS Yoiii .*!Oil 1'&'ai' i»l )&iii&ii&ni'& 'util liv msflablv thronrii Dnimv Jim&lung m Ir I»n iiv Edl! t&vv . vr&ui fice Yea& l nrl Bummaiv by &iutin &bc &rchnridrcvs Brin&i&fr&n &hi liirl ol'&uni fr rlii f ii I i&n« in il «»f1& I i Prinii I & 9 I ii )&I», Ii& «ill»&,1)f 0 fiil Il if. if&err&i& I thvcurnvni& ni«&i p»pvrl& minn» nt ~ »nit» m sv n snu ii» not &»» i &&nnt mtvmvni ~ tv&nu vour)fnivrn& nt nn&l tt»n)&&finn& )orm& t; u&rl r& rlu& & & our nsk of mail franil ai»l i&1m&it& ihvfr - sii &ihiir &stunk inuih r . ir» &»& ir i ~,«n & n v hfv t&'lv )nnpl& vipn in to yorrr unhm banking acconiil at &vinv liinkolimmknrnrn.in&I vl» k ih inc& li &f "R&i pipvrlc) "irr&n» g& i, r irt«l. 027 028 VISA IGNATURE BankhmeriCard Power Rewards MARK A MESI RESSAT Account Number: ~~~ 0877 January 27 February 24, 2012 Account Information &niii bhnknt'nmr rii,i.rom lyte it billing inquines to: Biiiik of Alii('11(' 110 Bo» 09? 'I, I '?I I', o, TX 70008 iv&;lr Mail payments to. Bhnkol'Amcncs P.(J. Box 301o00 I.os Angi irk, 0:1!X)030-1200 Customer Service: I 800481 J? I \ () i I 600 JI4 (i.,'l l r 3 'IT YI New Balance I'otal .. Current Payment Due . ,$ 27365 . $ 1500 Total Minimum Payment Due. Payment Due Date ..... $ 15 00 3/23/12 Late Payment Warning: If we do not receive your Total Mtnimum Payment by the date Itsted above, you may have to pay a late fee of up to $35 00 and your APRs may be mcreased up to the Penalty APR of 29.99th. Total Minimum Payment Warning: If you make only the Totaf Minimum Payment each period, you will pay more in mterest and it will take you longer to pay off your balance For example: Previous Balance .......,..... $258 75 Payments and Other Credits.... -50.00 Purchases end Adiustments...........61.83 Fees Charged .........................................000 Interest Charged ...................... 2.87 New Balance Total .. ...$273.45 $ 5,500 00 . 2/24/12 ................29 Statement Closing Date .. Days in Bilhng Cycle . Tatal Credn Line............... $ 11,000.00 'I otal Credit Available.............$10, 726.55 Cash Credit Line ...,...... $5,500.00 Portion of Credit Available for Cash Only the Total Mimmum Payment 21 months $309. 73 If you woutd like informattan about credit counseling services, call 1 866 300-5238 7 chseciich ndis Pcch&g ncie nese phih Reference hr hie deco ri rvvi& id reed& 02/17 Payments and Other Credits PAYMENT THANK YOU -50 00 -$50 00 01/2IJ 01/27 01/27 01/28 Pufi'hdhc o A WALGREENS ¹2384 SAN JOSE CA WAI GREENS ¹3378 Sl(N JOSE CA 9230 8977 0877 08/7 21 83 40 00 $61.83 02/24 02/24 Interest Charged Interest Charged an Purchases 2 87 0877 BANK OF AMERICA P 0 BOX 301 200 LDS ANGELES CA 90030-1200 Account Number. ~~~ 0877 New Balance Total fatal Minimum Payment Due Payment Due Date .$ 273.45 .. 15.00 03/23/12 MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95118-2325 Fnter payment amount $ cheer he c r r e cheh¹e fmd&hhe emi .. s» p'« i I c . please picvioe circ»recco& - c riie reverse h i. Meith. p I C thy ch kp*y hist aookoihmerco OEL 7 9'29 I IMPORTANT INFORMAT/ON ABOUT THIS ACCOUNT USE711 Rev. 06/11 CUSTOMER TIPS FOR DISPUTED ITEMS Man fimr itixpmidcbaig&eai Iw ifimaterhar flmtco»ti &ner movnoir(&oqnwc 0» cux 'n&1 ' !(cfor&' ) &&tlag lrtml'f'(, x i' '0 nnucnd I!11(v(u x& » fx,& I thu&v» anlmn4 vvri offwttnre»olx& tti&di»putrwittiltwmvt&hmf, Ofrwitlwm ic(urn(& w anew& ryou& qu(»tionsandra»&(vr xnlrryourrhspatc. Tlwm«& hant'hnnpnumhor sin 6&* Ii) '&tw! 0 ron&'ll'&t'&in ul hdliu& sl xt& au'nt Has 0 «odit posted to you&'ccoinlt'? &,nilowupto!Orlav fmmthpdatronxou& &rerhtrn&i lwi m arkn&i I'Ic I vn&vut 8'tlrrtorlt&0 n&r&'r 6 n&l & rcdu to pn. I Is! be charge m amount unfami!iav? mth ot hei pci snn»,uifhor)sc(t tn u. ( Ibc arcounl ln make sur& th && dal not m & 1&* t1&& chai „r.* lt i I». L&blc thnl &h& mr vclmnt»'igrng n imc- an&tsturpuamesarr differcnroramnuntvrxnr,&sityl&i rnfu»crtiiitl&vmiita& ch,)rg&' or mrh&r!e I&ps, One ivvq to chect. for the ere d&ts rn to wc u ti an»act&on dot u la i » to !rink ai your acm&unt slat. mw&ts ontinc fl'lou ara not onruttr it m Online Banldng. it & r;i»v fo & nro!I u ink t!m u eh &utdrcss on the front uf your st itenirnt or an e us.x calf Please remember: Ifyou Find an erro& on your bill,you mustnnt&fv us no later than 60 days at'ter we sent your first sis tern ant on which the error or prob!rm app em ci! to preserve your billing rights, 0NIJ NF, flnhn t«nllma isnva&lahtc !4 t&rnir»(i dax.i In a ) ( t,and ,01» 'ou fo&)c It&cuul I I'c&') nl lct& 11& on& nu u(»nuu PEIONà 1.8iiiq366,0210 I/w iir& mpt,««c'h) rbucthvmrvch mt &efc&rnrc i urn(i«ts) toi tie:cluii p& ( I &niinn. 000, MAII. Attn: Bi!ling Inquiries PO Ros 988235, Bl Paso, TX 700081 Xt'brnuvitnhhplrase&r&rludr YourNa&ne,AccountNumbcr,thc HI Disputed Amount, Morcbant Name, Transaction Date, andrefwcnconumberofthcd&. puterlnemanrl pecificdetuils regard&ng you& dispuir, inrtudmg &latex r)f contact with thr n)m chant "nit (ho marrti u&i'» response u& tacti in»I»ncc Pt«&si* mrtu&10 el! Lupp&usuxg I » umcntanon.mcfu&tinn, alw»;&ndcre&btvnuch rN&ontrnrtan&l f)f)s(e" &''L'l)&I'ill'L'('& &f)fs,lupi'00( Of ulv &'&'nu'u.'. PAYING fNTEREST tVC iv&tt not hargvuiti vest r&n Purr!uses &m Ibc next xt &tcmi nt il )( u!»iv tbr 16 xv 14!nn(& Tntotin full by the I'nimrnt llno llatc, an 1xwx h id pa&rim fn(it& tt& prw ir)u Rirment Due D Ltc. EVc ivdt bvg&n ebs rgtng int Pic,. t on Sul nce 'I r ui »fera,mil ih&sh i1r(vanrr onth ~ trausxctior& rlate. CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Avorx,* e lkulx bntance tvlcthod tiiwludmyneiv Purrhsxe. i Were!cut»tv iparate Rslances Subiect to an interest !lett tnr Purrlmse snit fnr & 1 1& tntn)rluciorx nr Prnmot&rm&I Oft& rhsh&nr&' nw, Im ot Pnrrhav:L !Vr &IO rln»1&'. ft!catculxtinga&taitylixtu)cefoi racbdn in(he bit!in(, i&!;f?Iaihhnp,&!I rhe&! uk tin!ance» together; nnd (Slit&wduqi tho L)io& oi tho &!a ilv bat& ncc» hy the number nf l ay» m t bc In lb n 0 ryclv 'fi& c &lciil )le Ilia )ta&ty be !ance I'or e( ch &lay m rhi»»l & rpmvnl'» lnllm r vc(e, w L Ill tct&r tbr Is ipnnin8 Nit &w &6 (81 arlrl nn &m(n&nt equ & I tr& the npplu el&tv Dxitv I'( nnd(r 8 xir. m&rt&ip1«dbx the p&ri&on 0 &ybdmlx I»&jane&»tlln&1&ln&a('n) I,& ~ &-: n( ~,I &cunt Pcc», ,ital &1)'i !&(el u& to u I«'&L,;i&u! ( I ) uhn'cl (&i)f)b&'able pavo)&'ul 'ud CI'\'& '. ll a&xv I(uh'(d;xxcc )e tc.'L ti»u& acro we nrm&t It Qs Mu 0. Average Ba twice hfetbort {inclu(ting nrw Rn!m)ra Tran»t'Ors nnrt nexv Cssli A&lvanr c»p We m&lculato separate Balancos Subloct fo an fntm est Rate for Ba!an&« 'I rane fe& s, Cxvh Ad ance», and fores(h intrude«oivorPmmotionxi Uffrrb&lsn(»con: & tingot !is!inc( Tr(n, icr orl'sxhk! awe».!V dullnshv rl&&alrulalm ni(x I.hnlxii( fw wirh &Im m flux 'L&tcm nt' &ttm('&clc I(1& &k &t&(nr«&ilul I )I, i'& iu «&chdu inp & n ('h&- t;tcmrnlsh&t(u&''&tctlmthwta'I'& ()&jr I»&txnr:" .(&I'&r f'x'rlchslm(ci,)!1&inn;& II ulxt&') 0& iif Q tlndinuci'&th;&t&'itn Q('I&on(1&top&xo&'ludn .1&tvunul' gula & vclc lmt x) ilk;& po. !ing dat 'xv(ttnn ttn 'mfcuu nt'nllme &»( I: ( li () I lmu; Il tf& &I nlv )&&t(u)rp, ro )thvr,,md!4!&inil&nglh .nm ttlx lul Imlm«* in th num!w I&i& m t br ':f, (vtueul'- h&t(uw & vcl TnrilrulitrLthcdulylmluiv fm cuhilxx inllu»vfurm« t -Inlim «. Ic v;1) ihrl& nub&(& &c(!I,ddvn &nu nut, Oil tvfh nnitt&PR d(n (I& Prr & u. &1&V'lath(S)!Qm,ll Wh(n. Il&li&«L I, nvt ,! Imp &-, nr(T& xu..)rtum I . &nil r I; ul tr ir I lilir I(",im n«& -Oi 1 Iu 0, m tt Of) I«tun&0&»t .. i!un cmivet&c it(ta «ru T'( 0 ntit,idnt hi(i&ic&*lmruhdnvp&&or(n&tn -warn nfqh<inqr«l lha( l»el xp&piyrlvhxiui(r,(llw ixkp h I»" nuinv,i)xl&n&;nlu&b &,ii - I '') t 6 Lnuvr tmh &ilh («& 0 lb& &r. r&,nu & 1. I«(lti ii -I P)& 0) ux&ou&x«')L&1 t )lh(, pph&xxhh'!01 ''c&( du'n 'udn& 0 'h) (h 'l ' 0 da dul l»la() r,(!1.)ml( kl&nl lb., i phc&1 &el'&v Cx I 6 I, »cc,&n 1 th u &el &i( I I au&» «)ion Fcv. Yt'r cxrtu&t * fi0m th&» c)t& ntati m,itl ti m-.n tuni» &v)»ti I m pr «cu l»gmgtv lr TOTAL INTEREST CHARGE COMPUTATION Int ie»l Chore, accruesn tsrccompoundcdooadail barn»'Il&&letvinnnethp Intcrc t Chmg&» ii & nml tip!v var b Balanc&8iihfcct to Inter( st !i sf c by it. (0 pb«iiiti Deity I'vi&ou& Rstoanilthat&e nit&, n&uttipt&ertt&ytliroumherr&frlsysu&lheliithugcvcte To riot( rmm&'he total fntere tCh )r f&e 0)eh&lhng cycic, xve add Ihe Ponodn flate inta&&mt (lu&ru« tn",Ih«A I 1&&1)''((mod)r lists&a &xxlrulatr rib? divulin an Annna( I' «nt Iq& R&&mhx:qif HOW WE ALLOCATE YOUR PAYMENTS fi &ur n&(nunt lu» bn!Qn«x xiith rt&ff«& nt/11'8 mar adl ngocat( the amr&nnt rtf pnn i) qnxc&xiuquatto &br T&&t 0 khuinxuln Ply&u& nt l)uc(0tbok&we LA!'R ha( &r&c » fi& xt /mr lurl&n ti 1 n:&r liun» mndc sf ler (!us stat c&nvntl I'xvment.xnniunm m o»rcax of& 0u& Ib to l Ltnumnm Ih yaivnt l)u. &rifi be a ppln»I tn I;Llanr r&s with lu&,lx& & 8 PR- b( tm e 6 i(an& i 1 u 0l& Ir! wc( (XI'It IMPORTANT INFORIVIATION ABOUT PAYMENTS By PHONE )yt&c&x 0 uui flit'opn I'& i(PI ') Phon '. L'&'x'lux)un,il&6» lit('s&lout& )t *; n clcrtn n & p inn«u finm v ui w & wintat Ibc hn m«at n&»titutmnyou dcsiynatr I'nn nm. I (uuh u'I/ 'h('u&ouul Qadi)min(!of&.,xch pa)'&xl&'nt. For lou&'l'oti'Ll!On. &Cc )& dl a kfo& xrcuniv in ('orm it&on. 8 f& ri mav apply for 0»I)edited serv&cc. To a&neo!, catt us bcfoi c Itic arl&odutr&i pa&ment d dr(. S &mc &1nv I&M)Quests em&i&of be edited or wxncelo&t YOUR CREDIT LINES Tti 'Ir&(at Cn dn Lmr i Ihe amount ofrred&t ai adshtv fnv the accounb hoxvever &mix Q pwti n«I'dr&ti-.na&(it)lvfo& Ibnxk(y&sh td anrr. I'brp)sht'&'&&&1ill inc&»ll&;t,uuonnl » h v,& . il&il& f( li&nl (1-6 idv n,(h n&&. II) IGnkt'n hk I un nms&lot'TXI 0( "h:18 xxnc .'.,il L& itic t'muitcr(tyft'! Caxh:idvanr,da&ne tmx'(lnlmc('o-8 ,11, n«,(» dwtt I'inn&tron('a t&.t&t,u&r& .6& I& I'lr(u&,i!rntv, Rrtu&nc(t t'aymcnt., ,ux t(q I 6 ': I 0'n 0'.& to nb'&'ISCELLANEOUS u 0 llul'I!O II!I( Thl Ixf '1. 6; »Inu i tuna '»I ltrulv 0 (ii& 018 1st ) ~ & 6 n " Irax n& n& dur&L&tw!tu di!en nh( hu&!, I& xn & t& n nu&v«up 'I (6 '&»,'I l«&,x(st n'0(hn n I x I u «c&a 00), & n ull xoi & L c(l 1!,u'8 11 1& ui( &«eel»10 uk'nun '0/118(qu I. 'I u'L',4 1 111 ~ \ Luu I ann I hul u n & '0 6 I IA(,u I Scl\&c ., 8 PAYMENTS 1)c«&blrnmtirllvqrncn( a !the Intr» i. i crl ill(i p&vnunti yi)m lo&nlnm,&tlb& ) ht&» h & n ntI& rm tt(p -ipw&&l& I m I 0» m n&hi ,& n'u&rn& 0'lpudaittl & 6 L&tt can QU! &1&ll&r un x I,...t'i&il &rwli&x iifnn &x &r .&t'S dollumrmcywdc&,an&!(ll.cntintb i&lu&n«n loi» x tih&ml tl»rmnl n& pwtun txoursla(.n&enl &«cmpnnxm &I Pumenlv&c e( «llwm:&I )0«! pni tn& il time &t(t»em&ttnncvniktr*.sonanx it 0 &nctudm 0 i I'nm«&r Uuc Uitrhu& t!Qv, olh 'rx'I ('le&'I flw Oh&a( &'f'uh'vn&pul . &!I he &i & 6( ' & of&6 1, I I & Itlx n)mix mo Icunlmcrn in phm mglmcird&l I 1 r (thr lxlcu()w«lii I mt lpln, r m !'«&t& &I. l!&erhttmanyu(hvriv&xmpn( mn)he&ICI) rluptnti Snp&vmcn(»lv(linp« itcu-:ln;I'd,)n I:&t& f» 'nr)n&v&th&n( thpp&uu &l&tt&n .)pprw(itoi'nncnl'0)n Lrn& r Uffircr.!i'n * m) tpn )u *n«ti«loci i»& ni, lt la u in" rl ini rii )i&(i'n I » )iu 'tlcck L ILIIih &'L xuth &lr('» u 'u CIL'n',) ou('narc'c('u'li fund. tl ul I I'i . &f & act&c I 0& ix&i&c& 8& )ill I'und u» 6 ) uhdi ) nb'& vuu& &0 n&ul th('unu' &x & PI('«:I 'vnu&!»&inn'ul t hc 'L,u&' I 'lu& ucd t n& & 0» Ip &nt I'nap& u I'tn ' 'pl!) ' 'reunl 'us! &n)n unh )I ~ « tun&1 cf mt If &nit&n, u&h(r&/& I& n&psvxwi & rh(,xnlh llni&lnnml& .)gx i&nv&xm &;nm hv(I&n&Q I "I un \ Ilk u '.\& u Lux I 0 du ixxxn ('n( u.n&x . » ) Qu'i) I& VI ppxvn»nl,vourkit«nu& Ir "irhuvxt I'(ttx& lu& m" 8;«i&&i .xu& u&xn Ix& 0& 'ut I 6 'ul '& \&kl P . t fx . «tv 7.&i XX'ui L I'I & nr If yuai hi! In&g,xddree» nr contact information hxs rban Bed, or xf your a rid res» i» loco(I'(w I & 'l (lppt'a&'» ou this bill, please p&ov&de all xorrectiuns bere. 030 VISA IGNATURE BankAmeriCard'ower Rewards. ~~~ 0877 January 27 I ebruary 24, 2012 Page 3 of 4 rip(r rc Oais Pcic(4 Dare Dc i pccp Pere ence pcc vf)i Ncc)eer N (aber pp)c( pi )cia( 02/24 02/24 02/24 02/24 02/24 02/24 Interest Charged Interest Ct&s) ged on Balance Transfers Interest Charged on Dir Dep(kehk CastiAdv Interest Charged on Bank Cast& Advances TOTAL INTEREST FOR THIS PERIOD 0 00 0 00 0 00 $2.87 Total fees charged in 2012 total interest charged in 2012 $0.00 $5.70 Your Annual Percentage Rate (ApRJ is the annual interest tate on your account. Purchases Balance Transfers Drrect Deposrt and Check Cash Advances Bank Cash Advances Annual Percentage Rate 11.744V 11.744V 16.994V 19. 244V Promotiot&al Promotional Transaction Offer ID Type Promotional Rate End Date Balance Subject to Interest Rate 6308.22 0 OO 0.00 Interest Charges by Transaction Type 82.87 So.oo So oo 8 0.00 $ 0.00 Apn Type De(mit cns Dmly&ntcrcct Rate Tvn. v- venable nate ()ate may vary& BANKAMERZCARD PONER RENARDS 62 EARNED THIS MONTH 0 BONUS POINTS THIS MONTH 0 REDEEMED THIS MONTH 4,730 TOTAL AVAILABLE VISIT BANKOPAMERICA.COM/POWERRENARDS K." -.'::;::.,'::".;,::::;:"-.''';," """'::::"'"„":.: .e-'~:='-.",-'-::~~~~~~~ -.. I: «n l(sin B(J)l i'&)l) I, hrnie(r (i( l,,in«in&- vn)& « I'«& r lice irdi trn(I &cai&r(t) «& n& B&.tail («,2&)l!.) ntrt)(J»usa,» si&i& tiir&ko(imr rini & )m.pmimrm& « I urriH(Bryi!),.','Hkl to r(,»tl l)ii(' )I't«( «)v nl nr ( I I) )0( I'k v I «(nu n(i nJnv (i ) (m)i»/i»n«& et vo«)«'('ocul(I »(n& n(., »il i» onl il »( nu «I, nfl n in) n «) «) «& i,,i«il rirlncc your nsk ul nm8 f&u ~ rl,md «li nt»i t belt,ill ii tule t &I &ng ano&l«r it( p to&mrdi,( giccncr lifcvt&irr 8(mpli i&gn m (o i our unbnc banlun,icr &«nl it &co& lmnkol imm &ra i orn mrl rlrrk thr f)r( n 8 at "go p )pi i ksi" icm) to gct sl » lcrl. 031 032O VISA IGNATURE BankhfneriCard'ower Rewards MARK A MESTRFSSAT Acrount Numbeu ~~~ 0877 Februmy 25 March 27, 201? Account Information li?111'hukofnin(si'I('h I'onl Mail bilhng mquirles to: 5;mk of Amcnca I' BO1!$$?I?nu Rl Pa. o, TX 7fÃlla "hm Mail payments to: fkulk cf Ann:1'li'e P,O. Box 1501rJ Wilnno ton,i)I",1988tkSOIC Customer Service: I 800421.,*?I I 0 tt,tl001I4fi'II75 T'I 7) New Balance Total Current Paymont Due . . $ 55.73 . $ 15.00 Total Minimum Payment Due Payment Due Date. . $1500 4/23/12 Late Payment Warning: If we do not receive your )otal Minnnum Payment by the date fisted ~bove, you may have to pay a late fee of up to $ 35 00 and your APRs may be increased up to ttie Penalty APR of 29.99% Total Mmimum Payment Warmng: If you make only the fotai Minnnum Payment ear h penod, you will pay more in interest and lt will take you longer to pay off your balance For example: Prewous Balanre.................. $ 273 45 Payments and Other Credits...........-273.45 Purchases and Adiustments... 53.00 Fees Charged................,.............................0.00 Interest Charged............................................2 73 New Balance Total ... ....$55 73 Total Credit Lme....................$31,000.00 Total Credit Available............$10944. 27 Cash Credit Lme ...........................$5,500.00 Portion of Credit Available for Cash ..................... $ 5,500.00 Statement Ctosmg Date ................3/27/1? Days m Billmg Cycle ....,...............,..........32 Only the Total Mlmnunn Payment 4 lnolittls $60. 23 If you would hke information about credit counsehng services, calI 1-866-300-5238 r ehsppr?pp Dure Ppsupg Dp Iu D s:«II Reference N ml'e Ipppl rf Nur ?her Nup. u rpl I 03/2? Payments and Other Credits PAYMFNT THANKTOU 1G43 -273.45 -$273 45 0?/? 7 0?/?8 WALGRI t NS g33 78 SilN )OSE CA 3771 0877 53.00 $ 53.00 03/2 7 03/27 03/27 03/27 Interest Charged Interest Charpgd on Putchases Interest Ctiaiged on Balance Iiansfeis pmmusu p 1 I p g 2 73 0 00 0877 BANK OF AMERICA P 0 BOX 150f 9 IAIILMINGTON, DE 19886-5019 Account Nunibci" ~~~ 0877 New Balance Total Total ivlmimum Payment Due Payment Due Date $ 55.73 15. 00 ....04/23/12 MARK A MESTRESSAT 1455 Lt) NING DR SAN JOSE CA 95118 2325 Enter payment amount 3 Churl l ere for rhepge pfmpilng dress p phcpu wml p 1 7'leech pore'p pffrm erin .. phil?p s. I. se sr'.e Mp 1th: *cpm?slung ithlp r h k pal hie tp aehkuihrnerps Ij8 7 Via 033 i )MPORTANT INFORMATIOIY ABOUT THIS ACCOUNT USE711 Rcv. 66/11 CUSTOMER TIPS FOR DISPUTED ITEMS Llanvtim ~ &h 1utv&Ici)uwvn le itimi»:ihnr;"fhatcu t(mer meynotr&coyo»c Arvrm n&lim 6 fm li puling»vt&arar,) c& snmcndfl»tym»»f&.ihi rlnng ,»N! 0&1L(''(I& I'th»'I l»c«'lt&e (8&'d&1»& u 'III Ihv 0'IC» h»1! Otic» the »1 '» li »&! Iv»1 nnawc) mn &t&i'ones&»t r» &1Y r( I '& lum d)s&»ltr ! bc 0!CI'&'i»At pl)& &10 numh& r Ala I (& fun»ml An «nr & *Lc! Pt vr l&dh» ~ I &(em nt Has 0 mcdil poLLed to yuur,icconnt? I'I(1 cnguwupto It)&I&v»frrm&lhcdat on& nii && &bt ou Imt m &rk»1 v &''&i»'&it 8'» 'I'I» lh * I lc&'(h»&i (»'( u ( im ~ Is the cbargo nr amount unfamiliar? ( lt ckw&thvttii & 8 Ysnnsn»hn»mdlnus the occo»nt tnmalu sur& fhe& ituinot nmD th( cb!r ( 8& p»Y ihjclb, I diem& i&lmnt 'higmgiu»nc and stoa names» * iht fermi t or un»mt ~ Lan c &a i tv! t & onfn(cd ivith . &mijnr (jin&lw)AI »'I'luii tip, onc a, Lo B&er!1 t'oi the rued&ts or tn view tmn( &vt&(»1 d& te&js m to look Jlyour ,lrcoui&is( I!rulc»ia 0»hnv ft i on la'0 »0( 0)'h'6 i&1 Online Ban!Ling. &i 1, e &ay f0 en»ilu(mvthe&vet& uklrcv on&hef&r)ntul 'ourstaiim&nfm aneusacajl pfeamremen&ber Ifyouflndanvirnronyourbilj,innmustnor&fyusnojatcrtbm 66 &jayv atter we sent Your lirst st &tv&Lien( on which the error or prob!& m appearo(j Lo pl aselw&."I'0&1('i ging rights. ONL.INE 0»fu&cftmt mg i. matfnl&lc 'Shn ir,id»,i I » ~ &a vl,.m I jlthl V 'o» &0»&' 6»'»& t lc» » IC» 11) 0»1»1 ln'AI PHONE v»» C V1.8GG.866.68LBFAI j&rf 1&lpl NI'I »'LL plCANC 6&&& lf»'»»'ICh»l& I:I VI! c'»&!5( m)it»hfe foi the chai &ci In& &iu .1«i &. MA!j A(tn:BiBingjnqmries PORC»888885,81 pasn, TX?qplls jph& n 1&0&tin ", pjva se u&cjudc Your Name, Account N&unbar the IHI Disputed Amount, Merchant Name, Transaction Date, and reference nun&ber ot tfie dispul&. I item an I po( ific dc!ail) rc a»hnv yom rfispute, i&irfu(fmg dntc1 r)f conf act with thc moiwbant,! Oit t tie mcrvhanf', rmp&maeu&rarhm tenr& Pl»«mchtd aganpiinrtm lucnment &t&on, mciu&!nw,, a km,»id c& v&lil inu lu rH c (n:Ir» I a mt INlsta& I'l't» I'n I'& &'tpl 'La p&'0&it Af 1»1 &L'lnl'll'YING INTEREST Wc&v&!! m)t lmrp intmrst ml'cf». 0-nriih& nr»LIA&cmcnt &lyoupayttieNY&v tin!mrs Int ilm tujlln ih& Itnm n&Dnc Dcf,&n l&ou !md pmdmfnghvth'prc inu( IL&yment Dne IMte Lvc will ticgm clmrDimnnt & c, &on 8 6 m& u'j'&Lust'0&)u»j( ash j(tranm. m&th tvnnsacl&onilolr CALCULATION OF BALANCES SUBJECT TO INTEREST RATE A&et')go lie&l& B&inner&frit&n&i(mcludmgnc 'p& rrlmve i. Lpecatmifate a&i»»mt( Bal inc& Lguhir&t to an& Inli&v. t tb&tt tiwPurct»(i Landt'&N &»1chh&lrndn&to&& 0! I'rail ~ t&m&)f(iftr hnlnn ' &*In&'fPnr h!':. !Ye&1(i&81. 6Y. (Il&alculdinya la&hl »jnmcfm iachtl ii i ~ (tie higmscr& f ",(8)ail&hnc ajt the&L»ili lmlimci tn !th»1 &mt I'l h nlumihv um»f Iliu&jailv lvitnncc) by!he &nimt&ci ofdavs m the h&jf&n" ey I . inc d&ul &te the dndvbul n!cv fm n«h &b&v» &lns Lu m &t'a l&illm rvclc, « . Il) tat r thcl»mnnin "bat&nrr» it)/ujrl m)muuni ( p,<u the &ppjiiahte D&ij& I'in&hr Bat&, mulripl»dbith& p e iou- Imbduhl,ilmm;(j»»lln&iit'ur,fm (L,n& .Ic&mmtj'ces, a»dn & l&i»1»1»i& I &'0) l(J& i&ht&A l &&i&!8 I I ICi&1 n«'»ta u»l 'n'dltnjtn!Vj'd&1!IV I\»!!»CO IY Ic '.'h jn .Lli) w & t. ('1&1( 1: Lcl ). AvmagoBafanceMcthort( nclu&jmgnea IM!ance'I'innsfcr. andncivCushddvanco)p LUC ca!i u !etc eel»i role 8n fan& ra Lul&ice t to an in!ere st Ento for its!ance Tranafore, f'&ah Adv mm 1, and fr&i rack lotr i lur tory m Prom ot&nn Ll Off&«hah&n( i c(N&eistinguf B»lane Trin)ici urC(ehd»l anc(" IY il &rln tn rll ahuh tm &iilniti l&nl)nc fm corh In&jn I&&cat ni ~ I!Il&nu&&&I, If& )&lc L&I»*, .»11&l j'»l, &m'In&(;whit&vp» I'to&hi» .!»m»(ntj INllulgm I Il&&& 6& I & I'i L (8 6 l&r&,& I't& I'& I*.i)&MI»v»: fbi»! r'I'n f& m,&l',& i& '«I I& a lhn&»» &ct&unit» p»ovf iln talcm;nl" t»(!ms I * hut w&tl&,& pmtv& &I &t 't!»n&ht t it 'm & I'ndm &(le:(I),»l&lm &&8 &he &bnty hd)nrrv m cthe» nrtisl 6 ! Im»th nm(it(» Inl I »lm (* I» thinnmhvr tdav m Ilu-st:i&.mvnt'ijn& m I 'll'll I'&t«d, I'5, L&»»'I I ',«h&I, »1&hl'«&'»1vnl hdli»'(\ k.» "(I) Indi)ph 'h) 16 i»v&m» L» \I. Ii 6 &Hn»L&»(!&1 ». HIL»&« I .»&Vf '&., 0&& 16»'',»& ,'ll, & ' & I« '1 I & . &I Ii'i h&id& iL»0101 .I& I 'hl lt »& «br&& t& .&rl, &I I &Im&c&&r&, h l «» IA&h& -i & en'ful &II&»i& &(l th t hndal'& ('v&l&'lnl. nr( (I) ),il 5 0 n &t « i»I&nm,»f»in» d&l I'I lut\ (')rlc I. Ln» (&hl h»dlh. & I nl!I*». » .«1»1 I. I »l&l '1-11'I'& (»I l»i&1 1 (di »,»i»)»i &'(j&L&( I &6, f ph«! Il lt&''I'& 6& ' & Aii&l»ph '6 6& tt»'& tn d»hi)»lon v(I,»nl & klnnhlb «IP!n&lisl't * t) 1st Jluic,m jth &v!&Iited I'&,m-,»r&&ml& 'jcv)clnd f&»mttu-,d ul&t& n,ditt m-,»t&m& m»t dmin& &iu hill n« vcl . TOTAL !NTEREST CHARGE COMPUTATION luti vest charg& 1 accrue»nit are cr&mi»iundc&t m& 0 &inilv t&a is/I'0 dvu imi ii t h interc(C!»ir L 1 we multiply e i& h Ho! mc& Subject to In!»crt li itc I ) it (&pl I» &t&fc IMifv I'enc&fte f !at os ad tf let re. &1!t &s n&i)lbp he&I t&Y the nuinl)e) of &I lya ln 1 he I igu!8 0&'& le. I 0 &latm num! tt&e total Interv t Chai "v f &r &hi h&fhng (ycle. wc a&kj lbe pano&fir 8 &te b&tercet f'ha&"&' tog& Lhor, 8 D njy I'&»r&rhc IL&tc &a »Urn! &ted by &bv& tm,&n Anm»&l I'cvntnuc llnti 5) 565 HOW WE ALLOCATE YOUR PAYMENTS lfvc»ra&roon(hasta&fun&i) irhditrmentdj'Hs,i&i i»ll)gomðc;imomiiof yimri&L)men& cqu<othc Toml flmnnumlhnmcnt ljuot Ih:In&vv &At'lt ha!Anc»tost (»Ich&dlny tl »lsacIN»la »1»d '!6& I'his (It»('0&ei&tl IIIYA» of 1»»001&la»1 v&('I'La oi wnn I'olMuun»1m Payment lju iig!N npplw l tnt nbu&r(s with h» h 1 APE- 6 lorv baton(&s w&th luiv( r APIjs. IMPORTANT tNFORMATION ABOUT PAYMENTS BY PHONE LI'lit'n»s»»,'b('pf»»»d I!I ~ hi Ph»& ', ('I li '. '0» a'» tli( I &/&'L to &i»f»» '& elc&trom& pl ment h1uil&'n» A(rm&nl u Ihc fm I & i &t in f&lui m»mi lv. 180 &tv?on &1!i&sl A&i&jun'lr&'6C L»10»tli nl»f t&in»!8 Of C )Ch j&A '01 '»I, I* »' 0»1 p»'&'& I!00. wC wdt,lvkto&'(cuyinforn&»t&on..l fj e ma) appfy for cvpc&hied sey»c& . Tn raoccl, &vijl ue befor& I fic schcdulrd p Gnnent &latm Sam&" &b&v ii &yn&ont & annot br ed&t& 6 or canes!( rl YOUR CREDIT LINES Tb» puts! Cre&bt Lu&vis the nrnnuni of me&bt i ni &I lc fi r the &ccouni, howv Lr onb a PAH& )not tla& v )nL&18 fvt H&nk(Lish bh inrv I'hvfj&»hi'& &llf I me& tl& &t in» m&t v»&tm &,t,ulal 8 io B&nl 6, -ti jrl,m» ( n & tb tjini L& hj I, &»- n &-&nr .LI'IVI('0)fl/»h'an&CAD &i thcL'Anmcr((yf( ICt h 1(,! &«s, 'mm" D&v(l»l n (L&-h .Ldvance«(j&cr(h,&f&i'&'0»'&trnnfj&cb/j(l&, m (;i-lib»un,&f nt-,l( iu&m !I!nm m- )ntl 'ljrl&h '! Blr I I nnv& ( I!00 I& MISCELLANEOUS I'iomot&nnol 6 &I I'jn&t i)a! I'h - Itfci, t»« I, f»t (t .t it'm ni I( m. If &0» Ch»&&V &'»» f»1»& '»I 6»&'!Lli 1!6& I » ' f I 8; »* I!. 0 ih'& I'd»')A 11»6 *I I Ill.d&l I ') I »'' 'A» 'I! 6 &)& I'0& lh'&'C'Aifdf'»'r&1 1&»l('' 'hn» I&«»»,\ &'l.&' I if »& &I '&8&cvmcnt F!LLL&»igvr & '., t& i&j n»n &fl'I!(I& &I t »V .Nj !li-,&«»»! 1$ le»i'6,!)16 I»ha&0&Dried t&1 I I:\ (.,» 18(» PAYMENTS IL rrml&tnmil lpi m nt-:«1th Intr&»! 6 llh p&vm ntm.(liiccri»dtir ( IL&i&» & il I»»r» li1»& i 6 - I& 0»» &I& I'i»&(I, ' '.hi An(h. 6 &it ( I V»& n&»»tll 0»n&.(slj»»d»»h,& I» l,dt, &inl . I&if»-url,& I,,!,0 &1&rv\In&»iif»f& 01'L ij 8«mon» n&itcr nnd( '& ~ & nt mike i *,u&n m lopes& h&ml tl& !rmiitu&co porinn f »ui ~ (alen&e ir&i& ml &n&in& I Ihi&menl.-iv ei«6li nmit all i. pm fo»ij t&m nt tfi &vm&tt nu(:& hh . n,&n& dn u&(iud»i» 6)c I'a men! Duc jj&tcbul that 06 vl» &' 1'Ilk ',! &»(' '6»» 'n&cnl »dl I ' '& ' & 'fft& 0 I L1& 11&n&cnts m& 1 n I » u I Ph nv Ifi 'I t I & At &I«d!t& uf r&»1» & tm)dr l» Pm (&ntrd. ht lnranv r&tt&vr p&im( nt n«&& l&r 6 b&vvd up to In & f a ' ni ih'61 &i)v&»c &:0& I»'01 I »& I !&t&»l »'nni 1V»bun 6«'»» &'&'Itt&'0 ,&pp»A!In( &m'nf&nir«n»» ()&hirer 0» Il AN'»&(h»I'I »&i& . II I\ 0»1'6»&t I», &N»&!»AI »I n»'&'h&'L'I L I 8 &!I '.I*, »Ih»/ '' » I &,»(,i nc l»»CCIC('»Y n&L f»I&d 6'I 'fcl lc(' (VC '. u I I 8&' 0& f 1&lc& &!1&f& I I I »(I 01 & 6 '\»6 f& 0 lit&»& Vnu& «(n&At Ih ',»&i& I & '. ' ''»1 f & 11 '»( ( li 'I,»'I' I l '»»»&'6 I \0» I»!1 1'*» I I»n&t »1 11).! 'i ih'«'I»»&'h»&I »»I I*I»cdl» .»Ih' I 6 II » u h&i , mfio&»»l » & p, v, »i & )& ll lt. ni(m: t& . Ih t& m&&unt,n nu 6'('1118, " n»l »6 t'm»»& I i (6 ( u&»» »&, 0&»»tv»th»&LI a i» 1&u I A »I &f i& 1»«'» VA»1'!vlf&'I »&0 11 ' 6 I v,» I L& i tfn» hu»1 ' da hf to&' .Lihtr *AL I Aildrc(a '! St.lt'I P , ! r(vi 6 i I * L' I »ii& j Iten 'll &L& ( '10&f I'I onc Ifvourbijlinyaddrcsaorrontnctinfnm)»&t&rmha rl)anyvd,nr&tvnurnlldresals incorrect asit appears mithis bill, plessepioiideaHiurrecticn) h re. 034 / "\ V I S Aj I id NATURE SankAmeriCard'ower Rewards. ~~~ 0877 February 25 March 27, 2012 Page 3 of 4 I ao, coal Pa(o 4 Da(a Dale Dc»o pl o» Rer. c aa Nab be Nambe& »a rl mr»i 03/27 03/2 I'3/27 03/27 Interest Charged lntetest Charged on Dir DOPSChk CashAdv Interest Charged on Bank Cash Advances TOTAL INTEREST FOR THIS PERIOD 0.00 0 00 52.73 Total fees charged in 2012 Total interest charged m 2022 $0 00 Your Annual Percentage Rate (APR) is the annual Interest rate on your account Purchases Balance Transfers Drrect Deposrt and Check Advances Bank Cash Advances Annual Percentage Rate 11 . 74%V 11. 71%V Cash 16.99'tV 19.24%V Promotional Transaction Type Promotional Offer ID Promotional Rate End Date Balance Subject to Interest Rate 6265.14 9 0 oo 9 0.00 5 0 00 interest Charges by Transaction Type So. 00 50. 00 SO. 00 APR Type Defm tions Daily Interest Rate Type V= Venable Rate (rate may uaty) BANEAMERI CARD POWER REWARDS 5 3 EARNED TH I S HO'tlTH 0 BONUS POINTS THZ MONTH 0 REDEEMED THIS MONTH 4,783 TOTAL AVAIIABLE VISIT BANKOFAMERICA COM/POt&ERREWARDS Ikitnl01iCBI)XtRf'OjNIB)vlunioubookanumni)c»ith»poucrk&iuar(l trauclrc» lni ~ » cttt b (tulil f1,,fUII mu(nbf'lm & i)i&i& hinh)MO) (l,l (& »1 pl»( lumin)i» (» otll I kikuf »M 48f ln t I)iil'l&U» 'I ill(''lii'ok'n('('f i))if)cl'ki u »I u&'»I('nlu I'nj(ii''m'l'I »11( dion nl I'outuu(on»I I nl'nn'»I) I('&»'ii ion( )I n un ol ln I II loulr'noo»oon('I, loni ri(lu riourrivkofmail f1'ml(lan&llilcnnfulh('fl alliihlk'Ialniginiolh'I'(Icl I)i)alii sal'I''n I'Ilfl'il'unt)IT It'll nil i nl »lhn('l)nlhnfraicount,u wii» blnknf im(li&a (alii,oui (hckihc Itr((nb»if'l pipcri(u Iron k) g(l, I irk'll. 035 036O VISA IGNATURE BankAmeriCard'ower Rewards MARK A MFSTRFSSAT Account Number. ~~~ 0877 March 28 Apiit 26, 2012 Account Information. &w&'I& l),ilikofiilnci'I('.('II&i& Me&l billing inquiries to B,ink of Aniorii,&I'. Bov 118!,""7 I'!I Pa. o, TX 70908."335 Mail payments to: Bank of'An&i t «s PO Box1301'I IYilmn&F ton, DB 19886s&010 Customer Service: I.SOOHSI!!110 II 80th'Aii 3178 TTY) Tot)i Mmimum Payment Due Payment Due Date ........$0 00 ..5/23/12 Late Payment Warning. If we do not receive your Total Minm&um Payment by the date hated sbove, you may have to pay a late fee of up to $35.00 and your APRs may be increased up to ttie Penalty APR ot 29.99tt. New Balance Total . $0.00 Current Payment Due $0.00 New Balance Total .....$0.00 Total Credit Line Total Crodit Available Cash Cred&t Lme Portion of Credit Available fot'ash Statement Ciosmg Date Days in Bill&ng Cycle .. $ 11.000.00 $11,000.00 $5,500.00 $5,500.00 ....4/26/12 . 30 4+%«m j@-+I-",-"g.i;: ~+'-"Mc) at Previous Balance......... $ 55 73 Payments and Ott&er Credits....... -55.73 Purchases and Adpistinents, .. 0.00 Fees Charged.............................. 0.00 Interest Charged.....................0.00 I a aa .riel Oats Pc'&rig o:ia oeccrii ra r)aa ence No&Isa'I Acro or Nor Ca &otal 04/20 Payments and Other Credits PAYMENT . THANK YOU 165f) 5r) 73 -$55.73 04/26 04/26 04/26 04/2G 04/26 04/26 04/26 04/2G Interest Charged interest Charged on Purchases Interest Charged on Balance Transfers Interest Charged on Dir Deprkohk CashAdv Interest Ct&oigcd oi& Batik Cast& Advarmes TOTAL INTEREST FOR THIS PERIOD O.OO 0 00 0 00 0 00 $0 00 fatal fees ct&aigett in 2012 $0.00 Total intetest charged in 2012 $8.43 BANK OF AMERICA P 0 BOX 15019 INILMINGTON, DE 19886-5019 Account Number: ~~~ 0877 New Balance Total . Iotal Minimum Payment Dtie. Payment Due Date So.oo 0 00 05/23/12 MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95118-2325 Fl&tel p if&i&el&f an&o&int 5 C'iCCI I ", rc a Co, 4'an ling adcieaa Orna Oa c mca. pica a o ovoc aIrco ection oo toa ra a aa a e Ma I tt»c c oo lang &rttn yo r o k I&ayah&a t 9 k I a QB 7 7ii ~ 037 /MPOF[TANT INFORMATION ABOL!T THIS ACCOUNT USE/11 Rev. 06/11 CUSTOMER TIPS FOR DISPUTED ITEMS tnt& 6& pufetlchsn''s,n:Icuunnnt&'.(Rlu"&'.:ttlucus(nne&" 17&&lvnot&'('«'Un&rc (ni &*m mh i Ii fc&c Iivpntmge [U)rir, cr:mum nrt(hntvnnienf&)fuvthm&m , n lm!4 c&mv iiurttn&csnhetheihspuh ithrtu m*irhant Oh nrlicm i&ban!&An Uu U I'7 nn 0&«L «n&s If«IC')Ldvlc &1 vi nn (t&sin&t '. IS&* tnt'&ch Uu i hnnc nund nit& I '. I ',It '6 0) '«&'('&t'&pl 0&'hdhng t!Isn& 'nt Has 0 mudit pasted tvymn account' I'hs -&,i)[&«upto 10 I &vs frr)mtbedatcon&nuvrreditvnn berm ,) knOulmtv mr n& tvl&rr«ulhr nu'iClunt Crt du l Pi)sl, I» the charge or amount nnf(un&liar? I'iu&k ilhithcipi&snns&ulhnriz(dtoiÃctbearcounltnmsl&esmi&thai. d«l nitt nuk& tt&c & t&ar ( If) puss&t)tc lt«&l ttn mcrr lioots'nR&ng n: mr:. andstorr name«err&tiffs& n&o& An&r«u&tscanci, &fyhernnfuseduilt umter ch7ru ' nr n« In\le &ill. Duo iv &7 to cher I, fur thor&c&iits or to v&cw tvsnsact)on dots&ls is to look,&t your ,iccmini. l &u mci its ontmo If Lou arenot ni& [tait m Online Banking. &t &s m&si to crun!I u.u&l, the web!rtdre . Onthe fmnr utyourst &tmnm&l or "iiensa rett. Please rcmmnber: If yon find An error on you t hilt you must notify us no tater then 60 rtays after we sent your first statement on which the error nr problem appeared to prcs&rvcyoui b&Bing rig[»s. ONLINP. Onhncflmkmil! &nett thl !41«»im:i tn 1& Ln. n e*t&,u&t ,I'0'')&'OU I & «'ho «U I I«'wnl I&l& 6« n )Ln A('('0«UI, PEIONEC G c c ).666!J&'C,0612 100 p««npt rsiiv plm&-chi & ih m &cfuut i fc&mr nunbc(&st An;Ut &hlcfm ft&L 'bus&'( ln&(il«A«00, MA[[ Attn: Bithng Inqmr&cs PO Bos SSB SN Bl Paso. TX ?SFSS (Then«it«)N pfease mrtu&t& YourNaine,Acco&mtNumber,the IHI Disputed Amount,MerchantNsme, Transaction Date,snrl referencenumberofthed)eputcdneo)nmt pe&&fic&tet,&its&e„";ud&ng yuur &[&«puts, &ncfudm„'&tatos of'contact with tf&r mm chan& nn&t the ln('I t) I &I & '8[ & ns '& (U&ch &0 I'nu(L I'tee t n&t'It«ls!6[! Upptu toit" tm«(nm&t It«nl,i&&rfu l»&„»«lcs,»i&le&ed&l&nucfl '»'wroi l»ci:&a&i !ms&nuc return ( mmpi ~ &t«prnol nf I )7 re(Un&, . PAYING INTEREST K«Y&tt i)ot \ barge interest Un Puiyh &see on tttc next Llnlcn&ont ti y()u part[« Nvw IU[anrr [0& ifm t'nit I & ihr t'nimmil t)nc [intr an 1 .m& t&nd pmdin fntlhy&h prc & uc I'a& nu! nt Dm& I) &te Et i witt bey'm ctu&rgir&z n&tercet on Balance Tr «is ter ~ An I Q&ah A&1 ann. 00 thv tun&s(ict&Unit &to. CALCULATION OF BALANCES SUBJECT TO INTEREST RATE .1«'i im Th)it En[ance (1&th(N[lni& tuitm&.;ne Pnr(h&sesi. LL' &Ldcuk fc &'p m8'«& Bill ni('L 'U[if( cl fo in tufmc«t ltntc for Pmrhuses and lir r i Ii In!roductntvor I'romott&mst tlf'I'in hnlance c«ns& trna of purchase Ly* ilo tlusby (11(&l& ut itmg & &Imt)1 Al u&co f0& each d Lv &n tt&c hdl&ngc&≤ f,.) 0&him&,,&II the 60&l( tvd )nr( tope(bc&A«)&t (1)(hvidmuth&.'um ofth dail)bat ir&cosbytt«& nund)er &f&1))8 m the lnlhn'rl TocttcuL!Io lhedt&lyt&elmccfur .i&bitsy&n tins siucmeni'alii)ho cidc,i«& il) tour the Ix mnnu&«b! ta&ii'c; Vl nitrt «1 «non&lf «fn &1 to tbe q&pftcabfe D!it! I'r rin&hr Rate multi& 6 &th) Ihip(c «m d«ykduh'tutmm,('ltaddnvn P) &&t)& ~ & .m .4«untl'c ,m I m '(i msu t un I cc . 0))d(stsnlmmt api)t&i at Ic pnymcnts and &cd««. Ifanv itnt& 61) Uuc 8 less (hnn)c&0 &c I&'&&)tlf &Azc&71. Aver Age Ra[ance 1'loth o &[ (inc[ urtmg ncw Balance 'I'ransfera,u!rl new (Ja cb A &[ vsnccsf: LL'0 a&tcul i to selau ate Balances su binet to an tntcrest Rate for Bal u&cc Transfers, Cnsh Ad suici'L, am[ toi ca& h fntri«tu&«ry m Promotionnt Offr& hatanr ( con &stma ot 146&n v'fr &n Ic& ort.'sst&A&t anccr,. Lvortuttushv fl)cafcnl&tm adutvbal)nc forearh :n &!! -Yi, imn nt' iRmumct& (Jlcdwit&tmlln&f ntvl»tmcct'ni Unct&it «Uimrio tins t « 'nu & t b gma c& 'let[mt halte ''i'c ( v)tr Iml!r&m',& I')c () I hst mtc», Bain«0 Ti,in-tc i .& t)&.h *1(tian &6th n tnu&:irt&on date pnortu thi, t iten« nl'nfhnu tt»,pn:tmud&f w&rlnntlns &nlmn nit b&lbn r)(iv;&l),&rhtm,&6t1&cda&ly r-m" th &,, nrt!8)d) & In)L&tw n&nnlth (ta&1) lwlanrc hyth &nuoher'Ulrt)v m utvmcm'- 'nil&u itcul)t *tl&, I tv)mt mrvtm v«hd&vmthi 71!Icmm&l t)limn ) Ir & c (1) 1) i II, n&n« nnt U&,itrnth .&(pl &)ht I!Uh Ik emir« I Iln &I« i & 'u 6 i&'; &Ii&h l«uan& L(J) «I tnc& ful «u&1(, n Ic&-, &c & hu) . 0 ', 0 .'!&)& I 'Uu) It() ) tu', (I ipi)h()1lcp)i& ICU& &11&'l«l I It U) l,il inc ~ Ic- &hen &cioi eric itito ur«. )h«1\&'IA&'&'8(&6(En & &(0& m(h&ss& U&!A&'n'I hdtn&nr&\h tt))t nthet Ur&,uu (1«c Ithvf(r-& I'rc('«NIL&I)n& I f.'i .«II, n m nut vl«itt)lt«nin)lin hlr Unl I'rn h l«n mnttif)wtllivthcpn«u- In - dn I hil» « I I) Ui («lion[ Itic. i phcni tet'iv ( &it h&tu&cv,&nltb u ivLireit U& 01 'lc '«hnl '& 01 th& tule«L&t«n)06 && U& U non i) &81 '6 01 in . «0 'OTAL INTEREST CHARGE COMPUTATION Inl is I illur &- icmuenn ta&ci«mp&nmd& 6&0&e it ut t&8 &s/I)t Iclvrmmvthe Interrsl (th n 8 ", i c nmlt i piv c ich liot mr& ski tiler i I & tntei & st [Mt &by it,&ppfirnhte Da&tvt'ino I& Itst, ndrhetr& nit& mnfiipln &It)ythi numhcrofrtaysin&hrb&6nMcyrleylb rtclm nun &ho ti fst tntoi v t Chnr fur the lnlhng vyclr, &.0 adrt the Penodic Rate lnte&esl t tvtruc I - th& & I tktih I'& no&6(1«u &8 cairnl !lid 1& 6)vid&n,&n 'lnnu )I 1'&¢nge h) i'lt)f&. HOW WE ALLOCATE YOUR PAYMENTS lf our,i«ounltu:I.ifnmw ith bticientvil'Ifv i&ri«Rsltnrstcthcsn«&un& ol' iui poim& nt c&fu i) In th& To(&t ktmim&0 pa) men( flue& &below st ht'ltb(fancv brat fu&&tu&hn& tiun,i&tun mn&tc:ittertfn«&Afcmvnti Paymentnmonms&nmcisaofyrn&r tnt'.llinmuim tb(m n( D« II I«, ppti «I tnt nlnnrre a it1& h&at&eral'B. h(fore bstanrr 8 'ithtu( (.r LI'fl«, IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE Liken ««U Ih& )pn 'n i(I & I .I hon 'I & « .inu «&6 «7&''o «At«&tv&u& It&'&r in I,&vm nthnn&( A&rmcnnn&,«lb hnui u)tn& n&utinnvou Icv&gnoic Trunn)st nuth U&r& &h&,mio«nl,n)tlt(nnngofvuhp)wnvnt yor)oui piol('ction,ivc( iilosktor 8&'( 8&'I tv «1)0&'nl it&0(L 6 fc(& u& tl 8ppf&'o&'xf)c&flltut . 0&'Y(cc. 7! cnnc&'I, cali u. L efore tt&e A&hoduh &I paymi nt &lotc. Jamcd )y paymonts cannot be erht crt m c u&c &iod. YOUR CREDIT LINES Tf&c T& fat C&'& du I ale t. I BL nn«n&7&f of ('&'t'&0( it) Alt, I te fur tbe accounl, howe er only a portmn tth it i- i:&il, lit I i 6 inkl)i, t&L&l,u&cv I'hi fl -ht'i dnl m:is it»if a»««u&f & mt v, nt6 I U I„nl & sn 'L&l in i ( m) 6& 6 nl&(! h«I «n v r( n & lot .Ll')'I[hi 6 Ld,mi!7(«ci lhc('ount wffllt)Cn hldia&u sgame tluvOnlmcCA h .iit), nv,() m lutl I'&nt(i tr m(ti h '«I, n& .(1! Ii Rnm Atmnv Rrluincdl'Aymcnt, mt,&PI I& "&t I 'ri-, non& MISCELLANEOUS )'inn U Anil(1,&t t,nil))t Itn- Iu& i lm dnn; tntm vt&t n«'n& Io-ma&tat& Ifiun&ti,nr, „u&!.n«ni I«i«&i&A&I». I«c.. II hi&w I& in-,i li n.mu.lmvct miit i. I) inn& nl & n «ll om(.')&'tti&C,ird &U&c ~ 1*«I If &f & I )««',&n,«I &,0 ~ '[I I i(ind.cl Icc Y.&.TI & 0 ~ em«1( ' n«&! In 0& U'&cd 61 I IA L O'H (& &L PAYMFNTS 6 i &t&tn))ilcrlp;vnl'nl Asetlh& d)tr&c&)'0't,itth tamncnt&«&1)&& eo&<n )& m i )lt&m, rt&i,! Il& -hen ntl& r&'nntt «& l&pon&h Inuu I nnrmmuhi I Uc 0 n& I I & Ud &ut) ) & hect (t) &i& « &7( L . 6 )6!t& Un & I,...l'( &) &c& 101 «tun 0 ,&I 1«1)0& n«u& & ULI&t;!&U&1lll.cut«&if»'c&«rum«'ch&per lihunl &hc&mm&lni&co puiu& 0 I in . & u *n&crusmonlpn!LmuiLIhnn&enu rc e& mlln nu&lsf&rrsp m 1&«at Um,«it& ( m I( mcc.«tdi .: Un,in) 6 &) met«disa (h&'A)mcru Lluc 0 ilc, bul tbot du && & ~ &'«* 't ih «)I t. r (&'«& '0«'«& .& 61) «''cdu ' 1 I tt) ' 7& la& fl&'jnicnts n» I, &it iu:i le ph Aic. itth,iimil I i.rt&hc Ntcotimcii t Im)ik in p ni Ccntuf &htl ranv ih t p) ment mutt«1&knr&tuptnli N ) fit&'01 nl t&&6 )6('I &t&)70& «'c& & I U«1 'Is(&U'n(n &'uhon& 61') t«)r '&ntt& ') :&f nf » nf Um Lm&i r t)ffi& rr Li i I \ ', 0« & i & Urn& h(CI ci ( 0 '. It& I) 0 «U tl«'1&t &) )& i(«)l 011 6 ~ I Ii! 't) &11 &I.n«(hunz&s 0 ( )cl'L u«, 0«"««le clc&'&IUU&LIL«&it r&70&vfc& I (I &' 0& lvu«'I',!(&t F«nd nu& 6& «At«h)& nil'001& )Ui & Au lt &6 &',mli'&L«« '«' & «1 p ) 01&'«I ( 6 * I .U&' I (vn«ni'61««& ) t 'f » (&: I »0» ( . & .'f (I& ''& )!&( (&») I" i(:&O'I * 0h&« th &&7&'u I n; ' «( '«'du ' Ih II: « ~ ' )tti 6 ««&0& (:)&0'ntuh ~ « ') I 6 &6 &4«n)«u n, n&, 0 «» &)&& n I sr ppiin nr n)ur',t(c(mu r «hu,nliv)slttii liu-m -. I)&(brim If)om 1»Ring,&rtrtre m ontoct inl'0& mation hs. chnngod, m ifyourarhlress &s incorrect,&sit.eppeai sr&n line bill, pleaae provideUB o&rections bere. L tdn L 1 l(kt(&') ( u& I&, m. I'I Lyork I'Ii& ) & 03B VISA IGNATURE BattkAmeriCard'ower Rewards ~~~ 0877 March 28 Apnl 26. 201.2 P«ge 3 of 4 1'ka r r(1&ca your cncluscrl mnu«l "Bigmg lhght," imi "I') 1 & Y ui& "inform i&imi foryonr i(ronnt Yon csn alsu &v&&cw this inform&tiun onhn& &fyr)u have &'("(&stcl t 8 i'inn'octan&t tn onhn&'at&ku&f. OVB 88))TA PI'R(YPNfyt'TON What You Bhm&lrl Know: lf your Bank of American checkinp ac& uunt was op&mad &n Waslungfon or l&lahr& anrl is hnk&d to tins cr«li& rarri so&aunt I'or t)vrnlraf& I'ion &tion, &re'll transfer n&onoy m mcromeal 9 of 1 lutl - preBouslv set at Sh) I'or ( 1 i &nplr& if ih( o( w (tr (tt i(m m&il )v )a SL) st )rtn) g ou Auk)&st 18 8) pk w( (vig now tv&m sf&'& 910u fram this account Io your Bmik r&f Amrvica clmckinv srrount to cover tlu overrlra&m amount. We' 0 not, r&hanging the amunnt of the fee fur Overdraft 1') otection flash Advancos. licmv&nb& r O&crrlr dl 1'& r&t( &lion is an upti&m«l . r 0 i« ilmi yun & in & inc& I «1 «ny timi ihrr&ugti onlme hank&ng or liy calling us ur v&mtinf 4 bankmg center. Amcndmcnt to Your Credit (:ard Agrecmant: f)tyectivo Au gnat 18, 801 8, the Ovr rilh&ft Protc& t&on srvt imt ol w)u& «fr«&ncm &4 «mc&ulcrl bv dclotiny the phr« r. "Sûf you r)pened your & h&rkink sr ro(ml in tpaslnnf ton or idaho;". Your Annual Percentage Rate (APR) is the annual interest rate on your account. Purchases Balance Transfer- Dlrect Deposit and Check Cash Advances Bank Cash Advances Annual Percentage Rate 11.74%V 11.744V 16 99SV 19.244V Promotional Trat§ion Type Promot&onat Promotional Offer ID Rate End Date Balance Subiect to 81terest Rate $ 0. 00 80 00 80.00 80.00 Interest Charges by Transaction 7)pe 80.00 80 00 80.00 80.00 ARR Type Defi)itious DailY&ntereri Rate Type v.- vanao&c R ( &*,"ayva&y& BANKAMERICARD POWER REWARDS 0 FARNED THIS MONTH 0 BONUS POINTS THIS MONTH 0 REDEEMED THIS HONTH 4,783 TOTAL AVAILABLE VISIT BANKOFAMERICA COM/POWERRENARDS I'9 is& &vmvmb&rlom«&tv(mrp«&n(nt (t I isi i «In p&i)i i &) ~ it 11 m ni &lur I tv .Ts«r &n&nd&r 4& (lso& Ncrothcrro&a&n&mt p&vmm&t oi&i&on« m In&hng pa& 8& phon& mul onlm& 19th lie nl& ot .'imc»(«s . frnrc 1lutnlr Banlung &on tmrr th& lb s&luluv &o haul'ram vour &ma& tplx)nv or &«bli i mytnnc anlsvherv. I'n dr&sulaarl th: ft &. Mol&ilc Hsnkmp tpp,»s&L t)»nkofunc»c(rom)on&Into Dis&vn('»'c &'oo&&'ot&'o&'('t 9 (pc& 8'ss I&n&'nu'n&s ('nio( &'sr 9 L( nut 1uoo lf vou&,lc&'ono1 1)n'n1I' &s, 1'«''s'oar s& n('n1cnl and n'an&&t&'i &on 'ooocD,& o I t educ«our r&vk of In ul frau(l and &rli'univ lh& ft - all ah&k &alung &(no&hev 4&('p &u&r&nls e 8&'(enrr hfcstylc, Simply s&f t& m to 1'on&'nln&( benkn&ps«coun&,(t sswv tmnkot&mr nr)romm(t (hck thr gr(&n lmif "go i al ~ rk "ir(m tn g& i s& ir&(d. 039 040O BattkAmeriCard ~ PowerReward'ankofAmerica ~dgP Visa Signatures MARK Ji MESTR ESSAT Account Numbet: ~~~ 0877 Januaiy 27 - February 25, 2013 Accouiit Information virh Imliln)fiiiiipl ice rclih Mail bilting inquiries to. Bank of A meric,i P.n. Box r)ay I'.I Pahrh, 'IB 78903,'?215 Mail payments to: BhnkofAmcnia ILD. Box I5401Jr Wilmm" ion, IIV, I 988ii.501!I Customer Service: I.800.491.2110 I I.SCCJI4(i:0?h I'Tvi New Balance Total .. Current Payment Due $ 1,011.40 $ 15.00 Total Mmimum Payment Due. Payment Due Date . $ 1500 ..3/23/13 Late Payment Warning: If wc do not receive your Total Minimum Payment by the date hsted above, you may have to pay a late fee of up to $35.00 anti your APRs may be mcreasecl up to the Penalty APR of 29 991k. Total Mmimum Payment Warning: If you make only ttie I otal Minimutn Payment each penod, you will pay more in interost and it will take you longer to pay off your balance. For example: New Balance Total ... $ 1,011 40 'I otal Credit une............ Total Credit Available .. Cash Credit Lme ..... Portion ot Credit Available for Cash .... Statement Closmg Date Days m Billing Cycle ... $ 11.000.00 ....$9,988.60 ... $ 5,500.00 ... $5,500.00 ... 2/25/13 ...30 Previous Balance ................. $000 Payments and Other Credits...........-14.69 Purchases and Adhistments..... 1,026 09 Fees Charged ................................................0.00 Interest Charged...................................0.00 Only the Total Minimum Payment $33 49 8 years 36 montlis $ 1,575 11 $ 1,205 64 (Savings - $ 369 47I If you would like information about credit counsehng services, call 1-86G-300-5238. Reierhhph 4 hhr 11 D ir D r rihsrnphhh 4 ro r Payments and Other Credits 0?/?3 PFTSMART INC?24? SAN JOSE i:A 68? r 0877 - 14 64J 2242b00410101210432756 -$ 14.69 Purchases and Adlustments 0?/Oil 0?/07 wct wycOLLECTSRLcvctc 408 283 9250 cA 08:I88737020613 :irh6. 0877 68 94 fj677 BANK OF AMERICA P 0 BOX 15019 yvILMINGTON, DE I 9886-5019 Acrount Numbei ~~~ 0877 New Balance Total l otal Minimum Payment Due Payment Due Date $ 1,011.40 .. 15.00 03/23/13 MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95118-2325 triter pnvliierit aiiiouiii 5 Dh.hi, hp rc prrrhhhd drmphhphdyh so, phhhhrh hie piehshpr d eric p rrr rscn the ere sheds M i th hvhwh si nc ih y check nhyshi t a nk r 4 OB 7 8'41 IMPORTANT f(i!FORMAT!O/V ABOUT THIS ACCOUNT USE711 Rev. 06/11 CUSTOMER TIPS FOR DISPUTED ITEMS ixlni» time disi uted ebs&e .nel"„"itnn &tpihuacstfmtcu t(»urrvmsi uet rr&imi iri ur&envmb & Hcf&n rt&vput&nga(lu&r r,a &cc nu»cndilmtvm«&it'),)h'tlnm( .nxlm&lc&')'&'ry ff&Pit»csoheihctfi pnt wtlhit&.mc&(t«ii (II& )&Ih& n&ctrli»nl&, n Inn &ver Ye&I&'iii&vs(mns U&dr &s&!Y I'&iso!&v i'oiii (!IVpule I tx»lcr km( pl&on numl el &I hehx'&»:1»ei ln'll'(('&i&te&'hdlu&2vl lt('e& 'nt flax a credit posies iu your ar co&m t'? l k»mI»61 ) &'Up f0 !9(lav'&(»»th('6 lf&'0» Yn&&'('» HH ui& 6&'& I I 0ckne&Ylc Ie&'»&co& k't« I I & lh& n&rl'eh»»1 c (sin I ) I the &barge or amount un fmn i! inr? I !«el& i«th otf&m pm sons &uihorizc(t to uw tin* acconni tn make urc!hr) dnt not nmk(. Ihccba&g(sit & pv.sit&lc I!i &t &bc mcrrlxint 'lnltm nam.- ande«&rcnsmc srcdi!Tiivntoran&ount oin ssilvha(onlusidwith nmtm I'lia&'2(' 01')ncf~ tv fipe Onows loch(rliforth" (red&tern tov&rwtransaif&m)deiailsi tofooka&)our Ac&0&u)l sla«!ncnts on!inc If i(nt are nof Ur&i UHe&l »& Online Banking, it &. en; I o enrofl using the iieh ark!Pc . rmrhe froritvfy(iursf &tern»)l ur " iieus scall Plea se remen)ber: If you find an error on your hill, yon m net u oti fy us no Liter than GG days after we sent your firr t statement oo whish the error or prob fmn appeared ioprcserveyuurbiHingrigh(m ONI.! NE Onl»ii 1G»kmgisaiink&t&l,?4h&ur. Ailai.7if is,) i*k,i:&&! ,dion'ou I )vI&''lc»u& I I'&'('& ei I(II 1«en»n &c»nu» PHON H kv r v LGGG.GGG.(12!2 F( I 9&'( nlf&t xI'& &')CC ple &PI f& t& I'!I '»('&'Cl&i»&I &'&'f&''OC 'UI &I ( 1 &v) ) siif &hl fmih& chntg(«juiiiu priou MAIL Attn:BiBn)glnqoiries POBox992225, f!I Paso. TX7999H )Vh&nwritm«,pfpaspu&ctudr YourNamc,Accoun(Number,lbc !HI Disputed Amount,Merchant Name, Transaction Date,and reference number i)f the d& pulcrl item ant! pec&fic&fvl ufs & e ar(fmg your iii. puts, inrfu&tuig il itce of rontact ivnh the mcrchar» snit the uicrvtixnt's respnnse &n rach mstance I'lease irief&ide aH. upporim 21 t&ine»l)t&i»l,inc!»ding. Ales,&ndrt((birn&&rh:««&onfirlct and po 'I a& I'eh& r» I'('I' f)te I& '1'ool of&&»Y rein I'l PAYING INTEREST 'ivo iv&ff not &barge mlpresf in pu&cfia (& nn the next st»&en» nt il ynu psv! hi shiv tiafinrmTnlafmfu!11&vilmf7&lmrntl)uoUal snmt ouh«llmxlmfnlfh th & I u- pnyment Doe l)ate Th)&' &ll hegm cl&xrgmg mt err. t on 6 &I in« Trn nate&«,n&! !7&ah 16 'A\Iclw0»H& ''n»es«bond&to CALCULATION OF BALANCES SUBJECT TO INTEREST RATE 2) ragcRuls jj&jancckfc&j&rxj faute(i)ogn( Pu& lu&seel. tke calculate & parate Bafances Hut&Ice& to an tnt crest !L) tp tor Purchnac and toi m«l& lntroductoivo& Pn&motnmd()ffe& haUoc&& 's& trna ot Purhas & . !)7'o&lu 1&v ftfrn!cnL&tmga fs&lylx)fi&«efo& eacb&IN mthvlnttinyrplv:Ml i ld&n,it! rhcdmli t)alanccstopethe&»&n(f(Sir!&vtdmlvthe urn oftli.d)ilvhaf: nr(sf» the numb& rofilnvs &ndu lnHin,"iy(l To c ifcufate the r!mly bafmu & fui &)(h b»'& dns s& &tc»n'nl '&9»n', ()eh» & '. Il) faf&rthehi ginnm 1)&inner»f2)add mm&uunte iuittothcnpphiahfe INifv1'crio licHntc mnltiplie(!bit!«prei&ou«livkdndi lvilun(;i'lln Elm a I'Ui lm i- n« .1 ((»ict I'c(, andnc&'lianw»I &ml &Is mxt(4&«»nst(&al»d« l teat»»r'ntsanrlrl'&t 9 &»id&&h l&A!Onc* &I Ic (thon(orosc(reit&tasrmio, Average Balance 5!etbort fincfudu&g nri Ha!Unco 'I'mnslrrs,&n&f ncw Cash idvanci sj: )Ve caf u! )to separafe Bafauccs Subm&t to an fntm cat Bete for fkilonr ( 'fr msfors, C &sh Adv mri s, and fr» e ah lot roiln( tory or I'rnmotinn &I Offr r ha!an( i r& n, &stmgot ffal&ncrTrxn ieiaort'i.hAh)n es TY k&G»shv (!1(al ulitm sit)it Imlanr iorca(h taymlfus stilvm nt'iilhn«& ifc (Gi,il -, I itim« 9 & I& '))I, niv lo»:icliit & Pi i i lui!& .I t& ment'sf»!1m (fvth)th&rln I'& t &(k tv tm«',&I'&r &') I bit»x '& & lt Inm& Irnnst(& oraC& hrid nnc'l,& t&an .&Chon&LH I» & Ic(h ~ ton ni' 9 nit mvh I otw&ttio p&r tmg&l&lc i&rhmttu i &tern nlk'ntlm m(f-.,' Ul hnv,igi !i hdinr(. mg&(h r,smlitld»»l»led&rs&imotd&r f&ihl111&rn( ~ hvih. »»I'& i I l,&=») tins ) i )i &nant 7 l»hu&" vrj T( I&dc»i'ecdl (Lnb frdv» 'I cuhd» In&!»s t &i(I»cl&I -hdl & & I . «"'ll &Ah& 61 I » ») 6 I»» .I!I divn; Ivv&n ,'«; Id I I'I,» cs i»Uk&ph'19)th p&'*'«I LU I* 9) I I u&i ',I »&II» & Hil&i)«1»&'m. »«I'. :id&»&CI',u»i I A»x«I I& II ". 11(A) Uttr, &. ilk', hl!i u 1'ni- . I ' I- 9 bubb&! n''I k'.. I!xi» Y '&e& 'u&' » I r' I Toc&fc&ilii,id iilylialnn(( Ii» e &(h le lni I&erin»n t in ntulngm&» i terbit h&A,& l'ic (')rfc i»i mr, tli Ali ih Ix nnn bd &n»,'Ut) i )ut t)&fancv(& In h»&f!I ..: «nd& t .m U»»& l. t«» I ,»td u& un uni '&wit & Ih(, Pnh('k U»tv I' ( &«,U 'u I'ib '6 6& I dn dad t)du& e ( !nr& I &kl&n&l &hv. iph»lief'& ('& I I )l i« .& &Irh n & I t rl ! &,U&''t&on F('I'TCC)('hl I 'l »» It» '(6 &L&t& n, H»,n&-A I»»1 9 ) t»l »I) I lng&nx (v&1 TOTAL INTEREST CHARGE CDMPUTATION fnl &c I Ch»'f &, «'o&'ie'&10&'»&on&pouniti'do»ad«I&'hi &AT&dpi'»»»u'6»'nter&. IChm &siremuftiplvii«hBafmccSuhir t tolntvicsifiit& hyilv.ippli(,&i &CDnh Pe»o(t&c Hstoamlthit re ult&smnfiiplicitt&ythrinumhorof(L)yeinrhpinthua;)(le. To drternuncli&ctofaflnferes(CI»)r elhi tbelnlbn rvrk.,is:uiifihel'i»od Hircfn«r .I t'5 U 'og&'thor, Al)xdyt'miodirlb&lrisc)lc»I&ierfhv&livxfnw mAnnu&I Pe&w ni &ac Hot h) 765. HOW WE ALLOCATE YOUR PAYMENTS fi our &w nnt liastml &nrv i &thd&ffcrcntnl'Tts Ur &riH )Hocote the imovnt r)f'»' &vn1&'0& c&r!nl to ih( Toto! kfmimuin pivmoru Duc r( tbo!o) i,l .! PH I& it uiccs hv t &»et&&ding II'su act&oil..'& «k'f!crt!1&A s I&i& c&1&sr&&i. P &yn&eiit nn&oi&nix i)1 &m'\mv Ut rrn& I 'lu(nl Vtuunmiu P»1&npnt Duc)vi!1 bc( ppf&r It l&ahncps w&th h&Six & AI'2- h I i h, I &nm xdf&lo&v*r 'll'Hs, IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE iivhcn u, u» th&'nprto & II P iv hy Phon '. I I &«c vou a&ithm&z«I, Iumtt»ii »in I itiomvpl me»tho»&v&inraccount Itthe*nenrialiostitutionian G(.i p) ni )»1»mel au»hei irc th&t;uni)u»t &indlin&i&1 etc &oh paymc»t For)oui inr)f«'«»&, e&. ig 0 h to& sc'urityinforn&ation.A&emavapplyfurcspvditedac»occ,Tucnnccl,w&jtu. beforetb sc'f&o(hi!ed j»IN»cut d ltc. Siu»c &jay p(I)'Insets can»of t)0 etbted or c&i &le )Ex I YOUR CREDIT LINES Thv'6 tat Cred&t l m& is thvsmouniofcreditaiai!s1&let'ur (be account,huw .ir, nh a ix)rfmnofihativ;ivaiLW!( fur Hank(hishddv &rue. Th Cmht'ic(htl me& ttwtnrn( int lx c i .nl &hl I( Isinl, (7 6 -id,&nc (kn&&, lb.1UnL (7)eh A l,&n& ( n. .11')ICoshd&&hnncee.(l&rrthcCUuntm !(iT('f(ja hddra ~ rcs,Sam»!)&v(&nt»& ( )-li .) h, nc&,(limilr )tt I'mt(rtion('a hdd:inc(, .C& 5 I (imi &fm&tv, Hi turned Ikiirn ntx. .&rl.)p(h alletmnw (mnl'&p MISCELI ANEOUS I'ionx li»&ol Heir t n t9&lr;'I'h&,. I&t& &Pin& dm&x hitu& vtatcm ni I(-mi H» ~ 'u)c ' vu») n& 'nl h&P(t &tP Gli &!A&' ufd fu»!, '1») I I n Ol !wit&'&omt I t ic&m,u)l» ndu&un )I& &ro('ruu &t & n nlf)ou& ('&r h &c ment,lliftiiil '« i« i ~ .itiail nun cll)l)('Atilcci nc- 9! I'li-, ~ »u*t »&6,»xl id»»» I(&'e Ihv I IAC»'Spl IU' N. &. PAYMENTS !7 r&'(ttlm»felix»m(nts;& ofthr l)i(&cs'»rrl ilth jrwn nti«1)v 'ri 'jh& Tpm lo(&iim&'tt!icmlh - -h» n ntlu &&mn,&v» -l&t &I& I& ni t& mm nil l t &( mrnt f'!If»i&I irha h Cf 6& U;i nl 9 ig nvun ) I ' m»m,il &n r tnrim». ,ILS.&h&tl&rn&oi«* (u&lci,nnt(11 &»t&nth'& )ui»m& cl&pc&i& hu»l 6 Ice»it»&r.' 0&'&ion & t)i»»'vl &un&cet « '»pan)'»&u d f,u»x'ni. Ic(e& '&1 h U& ilt;&h 'I, [ ff& bc' tunenlthi reo»ttancc iddicv,on,inviln mclndnmHii P, im nr DucOiii,hu& iluil od&.r& I ~ &'Im'&It!&c, hmc &ceo»»» in . &!!hc(i» lii rtn t Is &1 )I la pnn ni matcutilnx rii I phon .igli w I I In (/&hr L&reofiv . i & I n. k h I m ('ti if ( r &ht tnr any 0th r pi & m( nt( mm hr di is 'ml up m I "dm p&YOI 'OI sh &9 &i & I It .,I .Iu &I '» f »nl . n& 'fill I&»»'ho»I H&C i» If! &»u» npp&'0& &1 ol 01& tli &iU& «'I» »'»fl '& !I'&'(s'v m -ti,» ~ r h»l,. I»lr ~ 9 I»& &n 9 nt»&n;&x &! u I n »n'rh'il& I„uhch' uuh»1(I»u loci'su&»Ion("uelccic('n»» fu» I n,» ~ I I I'*, d ns (hc I 0& I &p(& Ir&ft) Funda»»i I ' uk(h) n h 0»& &'uu&U» n&& HIC; n&V I & x 'I '»'I «»I I I 'nu'»I ( 5 'I, I ' I I '» In 'GI o m»(&nt rmau n & to r 9th !'&urm lunl I& m Im-.a&!I& 9&'t&n ':Uil II 'I I I in '«u& 'h& '» ll H.n&(&»I&m&H n o&i t&'Il ~le»'»»IOI» thi&'.& &&»»I Iop h*i »»nni nn»A&')»I&'I du»LI- » I'0»('I I( siof 1&n'I»('OI V »& '.Cu('»»1& I I' & 5 U,&i 9' I &6 «11) ~ I I '( &» if ynu I hitting,&rlrlress or mr&tact inlnrma(ion ties rb )n gad, or if Tour a&ldreax I. incurrect a. &I appear on Ibis bdl, please provide aH orree(iona bere. .\ Gh *' I )Ikl 'ic, f f1 IO& B &'f I'I ( n c OH2 BankAmariCard'ower Rewards Bankof America ~W Visa Signature" ~~~ 0877 January 27 I obruary 25, 2013 Page 3 of 4 f' i, efiae ee efW fr reree e aec i acre Dere I ee, en! an rvemoer refer 02/13 02/13 02/14 02/18 02/22 02/22 02/22 02/?5 02/25 02/25 02/25 02/14 02/15 02/15 02/20 02/25 02/25 02/25 02/25 02/25 02/26 02/25 Purchases snd Adjustments PETSMARI INC 2?M2 SAN JOSE CA 2242300110101485207768 CAMDEN PET HOSPITAL. I SAN JOSE CA 1.9 SAN fA CLARA DRUG PHARM 4082965015 CA CAMDEN PE1 HOSPITAL, I SAN JOSE CA 14 ARBYS 0456 SAN JOSE CA SAFEWAY STORE00009977 SAN JOSE CA 463054280587939 WM SUPERCENTERE5884 SAN JOSE CA Interest Charged interest Ctiarged on Purchases Interest Charged on Balance Transfers Interest Charged on Dir Dep&ehk Cashhdv Inteiest Charged on Bank Cacti Advances TOTAL INTEREST FOR THIS PERIOD 3450 4654 0099 4623 021.5 0193 4416 0877 0877 0877 0877 081' 08 /7 0877 34.00 70 55 740 00 7 38 10.86 14 1 0 00 0.00 0. 00 0.00 $ 1,026.09 $0.00 *ie Total fees charged in 2013 Total interest charged in 2013 $0.00 $0.00 Pu r elf a s e s Balance Ttai sI rs 17.744V 11. 744V Drrect Dcposrt snd Check Cash 16 994V Advance Bank Cash Advene:es 19.244V Your Annual Percentage Rate tAPR) is the annual interest rate on your account Annual Pe ra e ri t ag e Rate Promotional Transaction 7ype Promotional Ofter ID Promotioiial Rate Until Balance Sublect to liiterest Rats 50.00 Sc.cc Sc co SC CC lilteriist Charges by Transsctioii Type 50.00 Sc co 5c.oc Sc.on lipn Tvl: Def uons De ly I te e*u'. Fate Tvp. v- vs able fists trots r ey velyi BANKAMERI CARD POWER REWARDS 1,012 EARNED THIS MONTH 0 BONUS POINTS THIS MONTH 0 REDEEMED THIS MONTH 5,795 TOTAL AVAILABLE VTSTT BANKOFAMERICA COM/POWERREWARDS 043 \Vmt fle)it)ilm to bank onyom)n&artphoncorlahl&t) l)oim&load llankof imm&&a & tr« iilol»lc ilanlnnf App Tcxi Al'Pl to 2!Ii I'l iklust f&v I enroll ui Onlinc lh&nlun,i 'kippur&oil c &vn& t) imimlm Alltcl, Al y&T, Ocllular Om., Trlulnlv, V&rkn& ilotnl&, 0 4 ('& llul iv, Venxon iVirrk a iVirclca& fera mny apply. I'& &I TI Ol lo canc& I and Ill'!I P for holp to I!2ti &4)0. Il &tkAmm&0& &la 'wl. )& h b&rkd& &lac&kht into vom &«cunt t&&)il Online hi&nb&nn &mtrl&&I &Iu'nm& ('& h il i&I&I)«l I &At&i&'ho&) riho«&iv&1 Ih&l &r& r& levnni lo yon. I ac your delnt or crciht canl, thin;cl ca&b liack mto i our account a& thv cnd ot'ti& neat month. Vi, it uanv luink &Inm& min & om/&ical& alit'al'&1 n1&)i*(c 044 BankAmeriCard' Power Rewards BankofAmerica ~W Visa Signature'ARK A MESTRESSAT Account Number ~~~ 0877 Februaty 26 Marrti 27, 2013 Account Information (i irir b iiikcliiiiii'I'ii' ('oiii Ivleil billing inquiries to Bank o( Amoriri V.O. Box 93.'?&.'F35 I'.I Va. o, TX 78)98.-'235& Mail payments to: jisnk of An)ence V.O, j)ox 1501(J Wihnii(glen, i)F, 1988(N&0( 0 Customer Service: 160032(2()0 ((80(U!4(i.3(78 VVV) )otal Minimur'ri Paynieni Due Payment Due Date $39. 00 4/23/13 Late Payment Warning If we do not receive your Total Mmimum Payment by the date hated above, you may have to pay a late fee of up to $35.00 and your APRs may be inm eased up to the Penalty APR of 29 991(. Total Minimum Payment Warning: If you make only the Total Minimum Payment each penod, you wrg pay more m tntetest and it will take you longer to pay off your balance. I or example: '';""'ilia""":'"'iiiiiii)%:.:-:i'w'willi',:. New Balance (otal .$ 2,335 96 Current Payment Due . ..$ 39 00 Previous Balance ..., Payments and Other Credits Purchases nnd Ad)ustments Fees Charged .. Interest Charged .... New Balance Total .. Total Credit Lme........ Total Credit Available...... Cash Credit Line Ponion of credit Available for Cash ... Statement Closing Date .. Days m Billmg Cycle .... $ 1,011 40 ......-200 00 1.508 21 ..........,.0.00 ................16.35 ....$ 2,335 96 . $ 11,000.00 ...$8,664.04 ... $5.500.00 ., $ 5,500.00 ... 3/27/13 .. 30 Only the Total Mmnnum Payment 16 years $ 4,250.19 $ 77 3G 36 mont(is $ 2, 784.96 (Savings = $ 1MG5 23) If you would like information about credit counsehng services, cail 1-866-300 5238. rfan. scape Oaca pea(if g Oaia Ca ci pi flafara ra af ba xcc i ilr ly &mba& Aha r 03/21 Payments and Other Credits PAYMENI i(lf(NK YUU 19dJ -200 00 - $ 200 00 02/25 03/02 02/27 03/04 Purchases and Adjustments ROMELAND 800 4934240 8004934240 TX 0 ATAI S116 4 122 SAII )OSI CA 1203 2?89 0877 0877 390 00 119 61 BANK OF AMERICA P 0 BOX (50(9 WILMINGTON, DE (9686-50(9 Account Number: ~~~ 0877 New Balance Total, Total Mmmium Payment Oue Payment Duc Date $ 2,335 96 .39 00 0 I/23/13 MARK A MESTRESSAT (455 LURING DR SAN JOSE CA 95( (8 2325 Entei payment amount $ gliccl lci fdi cli ega dfh aifihg add&-a d pic . imbcia Flaaaayidrida allcdaarfa&Men lha a ai e «de Ma(tips p I eswithyp i h kp y hi t* a nkp(Amanca 08 7 V(fe 045 IMPORTANT INFORMATION ABOUT THIS ACCOUNT USET)1 Rev. 08/11 CUSTOMER TIPS FOR DISPUTED ITEMS stunt&m 8( ) OI ririvum &nvl"„inn) &tr h»IR':.I]1»&oui&i»ne&'» Am& m)l\'ecogrnie »1m&k & B(f &vu& I »&n,,)(hi) &,) & mm le»]th»I Yni ) r(fi Rl "&thnlgs ,n»im,i4 v m;cth)rt& r ohe&h h 1»ir wit]i!Iicmcrclmnt. Oft)n)hum»&chnnt&:m ,I I:a &»n qu Iimle inn r 1 I]YI snhv coul'&f(vpu)c Thc mr tr hint phone nun)her n) )vl (' I'» d»)») I '(('q ') I dh»g I I&& n)r»I Hns 0 civd)t p I)toe] Ioyo»I'Acc(»»ltf) ptrn r,&fina uptn Ip inv-Irrmttw iat oninurcr(rht &Au heim I »ow]cdu 'Alt nt le&I 'I t » lh IA 'A'hnnl )I'(sht I f»ml Is lhe charg&'.Arsnlountunfaniillai'? f br& k«ithuthm Ii iemi»,uiih»iirc&l&0 us tl»*accounttnmoi esutothey i!idnnimikr ttwrh» c ili pu i)I lhit&hcmcrvfl.nt 'tnffin immr: ,ln i. Inrc un»&cv ni'&'ttfrl') ~ I;10»)u»i r )n &'siiv he N»&fuse&la'It]1 i»»IRI'im&J&'r&ilurl*npv. Onc &v q tr) r br r I foi thr err 8», rn tri))ca'l'a&lsart»»1 dots&fs i'o took it 1 oiir nrcounrsr» mrnt. r!nfmc It'&oun&" not criro]]edmOnlineBankiug,&t)sr a)i to eu&r)iiu ulgrhr. ieh»&t&fri* nnttletront fvrintsnitmnenforg&ienasc)U, Please remember.If?no lindan emo& onyourbdi,you must notify»a nolaterthan 80 days of tor wo sent your firal siatmnr nt on ivhich the eurot or prob]em appeared to pre»sr veyout b)]ting rights. ONL]NB Oninm ]Nni m)l i:A ninhl ) I hnure;& im. ?&I, i» i av&'I,md ,Ilh)a»10»!0)»'f»'») Ilv'.»I »tl ul ml »I I (&)»AI, PHON)la» v r v u1.886A881)glgI)nl Pr( I ii I SI'I 'li ) ] k'v ' I &'h») )Ch»» IV) 'll'Or&)A»)»h « ]s)o&]shiv)or!br vim&L'. ) m p) t«u) MAIL Attn. Billing hiqm ries PO Boa 988?80, fl] Paso. TX 78898 )Then ivntinlhplraar &nriudr YourNan)c,AccountNumbcr&he IH Disputed Amount, Merchant Name, Transaction Date, andreference number»i'the ihvputcri&tcm ui&1 'po&&fk:&I I uis ro nrd&r&v your rlislmto,inrfuitm'd&itr. ol'contm'tivnhthemerchinton&ilhc mcrvhnnf'» rrspunse inc&chin tinri I'I R.vinciu&f aif uppr rfnw k)i'»»lint»t»»1. »1»h) h»q, &ku a)»I C)'8&I u»lrhri»,co»»sir&A»d f) ) I'ls&''I'h)» I'')i)l» I '»'»)f ( f I n I'h»'», PAYING INTEFIEST ll v Ivl]l i&v& \ hei'I'r»ii 'rr»I ~ I p»I r]i «, 'li q&c nr zt ) in] 0inunt II vnu i)11?1]lt:,1) )v tiitl & I n, ]m full]a ih& Iinmm&t 1)n Dnl,&v I nnh»tpn»lm fuifhvth prrv»&us Iinment Duc I)itr \)rivi]]bc" mriui ging mteie. ton BR]once Trans]'ers,)nit C&mb ')8 s)n('. o» Ill ')n»aa('tu») 8 )h'ALCULATIONOF BALANCES SUBJECT TO INTEREST RATE vms * I) uh 14]nnce 'ih ih if finr iuiiiivgne Pniih tse.i. )V ciicul»tr: ismra&eB)i &ncr guhivct toan futvlrst ]lntetrrpu&rimscsan&1fm ('rf) hln»hu'I )'I 0)' I »»& n»1 )I!)!If'I h)i int' &') I t»lg At I »)Cl»IS(s) )VC ki tf»skis &I] ilk niirin», ii »ii h&i luco ioi 0 ul& itu»& thv i»ihngci& ii» f?) sridmg nit tho riai]i lmiinr& t)„ltlioi;an]!1) hi&rhn!*,rhe umoftfiuri»hbaiincrsbythcrnlmb)wof&fsvs mth h&lhn& y ir Tv&,]cu]&&r t]ie Ink h&]one I'u, rh isymiins:r»mimiit)1»gmgrvcfc iv: U) t)iothc1&& &nmn I»sin& ri!&),uk]in:imounirqn&]lothe,q&piicabirl)niivPrr)rirhr Bite )mitqh iq Ih pm)& &- I,"q ]ul I)&1 nrr,ti),»kinm f'» hl t..nt Auountpces, .»»I A '& I »»I,) I » i'I'w I »! (AI I »)'lll Pi)h, I)ic Pm'»»'»Isa»Eel'I'&f» Ifso)')uiv h)4»&v . IV St]i)A»«'r&a'&'u( it I),7elO Average Bo ]ance ifclho(i (incfu&fmv n(i Ha]ance 'i?ansi'& rs»nrf ncw Cash Arlvanr esp i)ye r Aicuiato i1&ar &te Bniances hub]rat to an into& ost Batr: for Defence Trausfors, C»sh Adv mr) s, »od fur oai b Intr&»in&»nry or P)mnotmnnl Oft] I hsianrc cnns)stmp of )Ukimi'finn imvo Iqi h ii )in (s IV. Iutinsl» rf&mlimd itm ) &B]vhaL)nccforesch A)&h& ~ .tu n» n&' )lh&»& ic tf1 .&i& Ii&»v», &I) i'hnim(cfotcs&hd)vp)&orto&fu Is&crnr nt'ihn,'lrth» tm I & IS * f'it imi&n;" .,) P&& t')vicki)]n»v&s&&]NL»u(: rat'& ii:4] nnm &uh) It: n,)rn&»& L)u pr&O)'tulh&v uurmrnt'&lhnq I »I\ Ih lf») tu&a&I»'h»'I)hl I'u('»)'ll, h)ih»eC)rirlt l»ddln" Al]1]ICB&illv ')i]mr(»t) tl& i . mi(J&&inn]»Nrh -nm f &bc ]nb ha!»)rr ~ In th nu)»hei Air]&rsm I,II .I)) )II: ')II)II) ' & 'i *, ., hil,» &n!in- &itrm n&'nlimuri ir,av (I) nmhipli«i! . II» i» ~ In - i. &]i luDm,«',hir«i Iiit&n 1&nn tm)m rl -h -A! & )» &.q phr&1 k p)i »vni-, &»ic&mhts I] Im ,! nl t,& I &I ) &inncf» '. rh!am& i t tin sr urn ntubiihnamr]r'ttmt i]. n, » nn:«i»it! i I, I nin. hi II » i'i;h II» I»n» Ph dhvth&'Prr&tou in . h I h I &i «& I i & I, kinr&i th., i phcib&CPcv Ii i tx)i nrr Ar& ]lb & r fated I I »I,I &» »I( - ii «)&h &I 'l ») Ih) « h»L)I n, if»»1.,» nn»ail )vt('tl ») pl&. 10&I TOTAL )NTEREST CHARGE COMPUTAT)ON tnt& &s»i]burr. a(muvani»isconq)oun fr rimio i]i]]via& ~ Ia Tuiictrimm ii» ]ntercvICh&rut saenuiftip]vair h]k&imcc)itinml tnitit i .I ]iitvhyn,qq&ii&ntiiv flu]i Pei&odic ]tare ind8»itic nit&, mnfhpt&mlbythr numb&rot iay, ul &]iei dlmgmr/r To rieterrn&nethetot,&ilotorv.tC]»u frirriivbiiiin ry&ie.iv»rirtihcPe»oriirifmeinteimf Ciuir;)v In &uhr r 1 I'lu]Y I'& r«)rhr Iiaf& i 'ri]m is&c&lb«ln & bn)l A& innn &i I'r &con& &ar* Botch 38S HOW WE ALLOCATE YOUR PAYMENTS if r»&r ir(Anni]&n hninn r&m &rh&l ff&')cni il'itv, & ) &iiaiioc&u Ihcimonnt of ynu& pivmcnt qunitotheTo!sflitnnmumilu»)cnt ilur t( tbck» c I.ii'III»d»m . tnsf i&ra turin&g tian. setirmr maifc aft Ir this stl tcment) Iiumcn& nmuum in rzccse ol vrnn Total iinuiunm ih Ym nt Du iviilbv )pphmi t &tminnr& irh hi hm .)PB hrfoi iaiianrv w&th lr)wcr APBS IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE iihi'»i)»luihcnp»)»!]]in I» I'hr»l'i&')&tnr,ii!th r» «-!in)ih)A»in C]CC&rm»Cp& nle»(hi)ml urA&r& &mt,u thrhmnmniln»&n!ir&n&nu ICaivnm&'m»nuif An&ho)'17C &hi i»u»)»lant) Il »»ql I 'ii f»u'»)v»& I'')» I ! & I&'(I»»), '«'ii I f fo) st'(ni'Iti')foie)&It»It) 8 fee u) iy &ppiv tui'd)educ&] ella&) I I cituc('I (off us b 'fol'&'fm sehodnfed payment rlatv. 8 m&c dnvp niuonta cannot beriiitetl oc car&re]cd. YOUR CREDIT LINES The Ti 1st Cr& dit 1 &nr &s Ihe imnunt ofmeditsia&Litile 8 r Ibe ~ &couni; hose cr on]i a po&siori ofthu &v,»'a)kil iv f'ui Ihinl Is&ah.i l,m& v- Th (1&-hi't &1» I m & th, t,nnonnt »h)c I .ni»l I I » I&In] ih-I) ul,inr . (» nii »h,fl, ni &,I h I l,mu-un i Ai'V)C&'h,'ahu)&'',U rthctonmc& (Oii')CI& h,id& m:,)Rm i)»v(lnhn (ln h IirivA»m,fll rrlmf(1'tn&mt& ill ) h irl &is».(1 hirui&,ii'»I.,I (&I» )mt] An)'»Ia, m»l,q&i itr:I]( I&nna &r m I& "- MISCELLANEOUS "'I'&onot& n &l]Ui I]nri Du Ih&- Ht & I:. I vi; )i i& & .r &r»i nir!A.in Br fi!»)Ih)»l' I'i!&»I'»I h)''.:&s!Ei. II' III h».» I lh ')nq I 'I« I »); And «'h» I ' «»&,)«'»»»»I I I n»'»' (1»'(I Uiv ment i]i('iri, & «-&, t&,«ten im &f]].it m&i &; " S 1 Ii -,&,: »n& )s &vdandmlnnn&stmmih tiitg» Idv& PAYMENTS u. 'I &ht »)»I ' ]v) '»I '»1,1»t Ih ' &tc lrl'I vd &i Ih 'il &Y»1 '»f 1) &I I'I'I'('&V('&]hi )I! It 'h» )») lh I '»nl,» ' )p») lh&'»»! )t &A»I'»u'n&htl II]) ) t) ' II I )) ) I I )ii I)» I I, h I In ')'ll &0 &II&II) n )t «I ) i] liu nmn ) oidir imi(II mitmt]i i&&uin m lopi iirhntiiythcrcmirtan po&t rn f&u») tni »vnt »«&mpnminu&t Pument&trm&'mila nm&fag &»pm.local t&m,&tth )vnntu»&cvmnhfi 'n &md» mcfu&fm hcPnmoutDncD)te butt]mt (th*) I«'&)r&'I!i&',h 'I'i »'&iir»I . ')]r&''h!'] I tth('» )tda R)v»)r»ts m( I" i 8 i n I ph n wit)i w ]ii il & ~ &I'rhcdilcol'rv«)iir fmmich& I m.Ccnlr li. i))vfh& fAI Ri)Y Ih 'I p»nu'Al 01)& I I'8( L) '&I 0] u It r Im i )p( '»I nl h(]1 &8 I »,l»»1 ) '(' I » I »I I I »») )'Ith(&»l lh&'pl'u» a'I I&ti n qlpn);l]AI »A'l 0»i s 'nl I')ff» CI A) '»l(]1:]. Ci vl I» , a&1& n ~ »)st] '»)t )»1»&0»'un(t »I »» 'h (i i I h h«'I u»ii )lr '" » I c)« tc I A» '»nc &'lcc»» I fund n u) 'f I (t& orivlp 'I If, t! I Fu»&!. n) I 8&']i h ml f)'0») Youl I '0»nl &i «) il,) Illf ))I I I) ':)It' I i 'II(I I&&'(i t« OII 11 «I& 11 ! ')I & IA I"I) I] ( I(''I) I)I IIII) I'l:&11 I '-.:1]I '.il!h »I tl. « Ih I I( ' I I': '«»I '(I I 'I (I h&ih»»»»nn&')ii h»» &R I il ' III",I 'IIII I I.I) u '.\m AI'I "I p 'I) fm&I)I 111 A,)I)\,II)! II III v 'll I)IIIII' f)i))v)il'I I ' I'n'I I»1 II 'I hl"'is)slth)r(lu»)* ad) I»'tni'' ft'yom bi] lingadrlressr&rcontactiniormsiionhnscimnp&d, » ifvouraddressie incorrect as &t eppes ca on this bill, pisa se pro) ufe at] & 0rrert»ms bcr r ,i(f&t) *. I .)&kirr*s, ) )t:u 'r,i I nl i'8 » ii'u k I'htmc 046 BankAmeriCard'ower Rewards Bank ofAmerica+A Visa Signatures W~~ 0877 Februaiy 26 March 27, 2013 Page 3 of 4 I enc cl cn nc.i'ere en e Icccnnl Dere Dere Deccnnnon Num ocr Anlccl I rc cei 03/02 03/06 03/07 03/07 03/06 03/08 03/13 03/14 03/14 03/13 03/22 03/22 03/25 03/04 03/07 03/07 03/07 03/08 03/09 03/14 03/15 03/15 03/16 03/25 03/25 03/27 Purchases end Adjustments SAFEWAY STORE00009977 SAN JQSF CA 58306?281884165 SAMARITAN IAMILY PRACT SAN JOSE CA THE RX HELPER 888-2334303 FL 4039AAF4OAGE 3089 E37 THE RX HELPER 888.233-4303 FL 403A187C-QG2F-4ADB-150 LUCKY 9757 SAN JOSE SAN JOSE Cli 06209360767V16Y7002487887 HCA LOCAL HOSPITAL 615-344-2404 TN 030813 WAI GREENS 43378 SAN JOSE CA ARTISAN FAMILY DENTAL SAN JOSF CA BFST BUY 00001909 SAN JOSE CA SAFEWAY STOBE00009977 SAN JOSE CA 463073230774571 DOLRTBEE 3823 00038232 SAN JOSE CA 003081717722647 LUCKY 4757 SAN JOSE SAN JOSE CA 06209360757V16Y7003004155 HOMELAND 800 4934240 8004934240 TX 0 ? 795 1 03b 3206 3222 5854 2369 3356 2582 4148 0062 0007 8000 OR. 8 0877 0877 0877 0877 0877 087/ 0877 0877 0877 0877 0877 08/7 0877 0.62 19.18 69,95 50.00 12 81. 85 08 181.59 13G.OO 47.78 2.44 1 Q9 2.16 390.00 $1,508 21 03/27 03/27 03/27 03/27 03/27 03/27 03/27 03/27 Interest Charged Interest Charged on Purchases Interest Charged on Balance Transfers Interest Charged an Dir Dep¹Chk CashAdv Interest Chmged on Bank Ca" h Aclvancee TOTAL INTEREST FOR THIS PERIOD 16.35 0.00 0.00 0 00 $16.35t'lotal fees chaigeci in 2013 $ 0 00Total intetest charged in?013 $ 1 5.35 Youl Annual Percentage Rate (APR) is the annual intei est rate on youl aci:cunt Annual Promotional Percentage Transaction Rate Type Promotional Offer ID Promotional Rate Until Balance Sublect to Interest Rate Interest Charges by Transaction Type Purchases Balance Transfers Drrect Deposrt and Check Advances 11 74SV 11 74'fV Cash 16.99%V 91, 694 D3 D. DD D. DD 41 6. 35 9 D.DD 6 C.DD Bank Cash Advances 19.24SV 9 D DD 3 D DD Apa Tvp Defi ~ itions Daily intere t Rate Type'= va abi Rate (rate may varyi tj4 7 BA&&KAMERICARD POWER REWARDS 1,509 EARNED THIS MONTH 0 BONUS POINTS THIS MONTH 0 REDEEMED THIS MONTH 7,90't TOTAL AVAIIABLE VISIT BANEOFAMERICA.COM/POWERREWARDS iV mt flcaohilily io l&ank on v&nir. mai&Phonc or t ihl& if l)ownlo «I tMnk of Amrric Vs fr« lilohilc llankink APP Text API'1 lo EBIB&SS hluvt first enroll in Onlili& lisnkinln Hi&pportcd carr«tv inrlnd&: All&& I, STAT « ilnbirOm, T Mobile, V&rpin Vinhilc, I H ('& llnlati V&nson ii'iteless &V&Riess free nmv apply. liat MI'tll'o c in& el,u&d I I I:I.l'or help to "IE(15&EB&. Beni«1m& nl)cela 'uts & i h l»«k ilcalv riatn mic vour i«ouni. V&vit Onlmc llanlun, aml click thinca (bish liat k ikvila t«i& to & hoov& tl«&si: deals &h ii,i&i. rcicvant lo you. Osc your debii ur crcdn car&i, then E& t cavti l&ack into yonr &«count at th& snd of tho ncvtmoinh. Visit ivavv bankufaincrica corn/&icais tu l& 1m il&0&r&o 04B BankAfnericard' rower Rewards. BankofAmerica ~W Visa Sf)&natures MARK li Mf:SII?ESSA) Account Number. ~~~ 0877 March 28. Apiil 25. 2013 Account Information i&nlilinl,i&&1cl'll',I.l'Ill&& Mail billing mquines to Pinkof'Amrnci P O. Box .I)S".:Dl Kf I'neo, 'TX ifk)98:?.'1'i. Mail payments to: Bank of It mcrics P.O. jinx IS()LI) Wiirnni dion, DF, If)SSII 5&VIII Customer Service I 8()0,411/! i l0 ilSVfL'l4(ullrk ITY) Total Mini&num Payincrit Diie Payment Due Date .. $51 00 5/23/13 Late Payment Warning If we do not recewe your Total Minimum Payment by ti&e date hated above, you may have to pay a late fee of up to $35.00 and your APRs may be incieased up to ti&e Penalty APR of 29.99s'. Total Mimmum payment Warning: If you Inake oi&ly the Total Mu1unum Payment each penod, you will pay more in interest and it will take you longer to pay off your balance For example: 4 New Batance Total $ 2,840 62 Current Payment Oue . $51.00 New Balance Total ...$2,840.62 Total Credit Line Total Credit Available .. Cash Credit Une Portion of Credit Available for Cash Statement Closmg Dale Days in Billmg Cycle... $ 11,000 00 $8,159.38 $5,500 00 $ 5,500.00 4/25/13 ........29 Previous Balance..........,$2,335.96 Payments and Other Credits...........-40.00 I'urchascs and Ad)ustments 521.02 Fees Charged ...........................................0.00 Interest Charged ...................................... 23.64 Only the Total Minnnum Payment 1/ years $5,254.51. $94 07 36 months $ 3,386 52 ?Savings = $ 1,867.99) If you would lge information about credit counsehng services, call 1 866-300-5238. nnnsnrion pnnl w' r n In pe In re ncn ncc m I'l md lnl !Jc/22 Payments and Other Credits I'AVMEf'IT IIIANK YOU 15)mi -40 00 -$ 40 00 03/28 03/31 03/30 U*i/03 Purchases and Adjustments AT&i S116 4122 SAN JOSE CA SAFEWAY STORE00009977 SAN JOSI- CA 303091227321501 2870 004C 0877 08/7 12?.35 9 1'8 BANK OF AMERICA P 0 BOX 15019 YVILMINGTON DE 19886 5019 Account Numbei. ~~~ 0877 New Balance Total . Total Mmimum Payment Due Pavo&eel. Due Date $2.840 62 i...5&1.00 05/23/13 MARK A MESTRESSAT'455 LUNING DR SAII JOSI. CA 95118 2325 Fl&lei pay&went anlount $ Please p&dr&de nil rdrrnci n: e n n n ne .«&e QB 7 7)fs 049 IMPORTANT INFORMATION ABOUT TR]S ACCOUNT USE711 Rev. 06/1] CUSTOMER TIPS FOR DISPUTED ITEMS klulrtltura&ll I umdC]xu ',UCI'a inn»C hA&UC fhalrnvl m»-lni& uut)rr(mur( U'u 'nlh 'I'tcfo) 'al »l)n O rha)'s(' '1"; nun»Ad&6)t 1 u I')'Ifi ) ICX Ihulg ,mdmn4»»v If)rlt rr helhc&h Iniliu&thrtu rnvr&l»nt i)ft ntin m r(i»nlcui .u&SXVeryomquistiOOZSOitrsedy»xn[VCF&n& dlvPufe ThCm»rh nt'iicn nnmhVr nl )i 4'Al'(Cd uu x'o(ll''I'(('li 'l' I[Ill)g st )t( nl slt H«s a mod it posted I u yuur acco ant? Pt('1 (:iB upto J&ldnv fromttud» unx )u)»(d&tx(m h i m «kn) ('6'de 'u) 'nl 6'U 'I In fh * n&c)'('hnn(()'('d)l I ) Is)st Ia the charge or amount un f!urn[mr? I'h (kiiith th» i»rsnnsu&lhn»zcd tons.tiw a(icnnl t mi4) ur the& (0o»ewtrxn uti(mdotods& to[ookatyoul «rrs&un t . [slam( nr. on[itic It I ou ar 'ot unrnBcd nl On]inc Banking. » Is ea y to cr&roB u )nsth( uch xrtr[rcsermlhefror)tuf!'ours!«fern(ut orcx( u a»ill. Please remember; If yon find an error on your bill you mustnntify us no later than 60 days after we sent your first statement on &vbieb tl&e err(» nr prob[om appear& 6 toproscrvsyourbiiiingrigbta ONLINE 0»hn'i,ud uu'l I, nx;uf,d)ic?4hun su k)i.7 I 1 Iz:I'I ,lqc»'u I u I 'e Ifu'u) ) I I('\'I'l us) llx on& uu a 'I cunl, I'H ON k'[ ].666.666.09P« i( ) iuAnli I v()XU' P[C I, (* h)W Ih('u'»'h(uu Icfc»'UCC uundu t( ] n,xi[Ah[ 'oe t[U ci»(v, ] u) qn t&nu MA]L Attn: BiBiny h&quirir a PO Boa 9]V9966, Ki Paso, TX 79999 Kt»n&vntu&i„pt&,isrlnchufi YourName,Account[Umber,tbe IHI Disputed Amnunt,Merchant Name, Transaction Date,andrekrence number Ui thc d&spul('d tie)n ma] 'pec&fic &letaiis r& 'm'dir&v fouv(hspute,lnr[u&hn!,detract(ontvcl »thlhcmer(tiantandlhc ulv)'('[U»)l ''sis nsl'l (.'ch ulsl'lnf'c. P[cn I) uu'[ilc['t] auppol hug &lu *ennui,» unl, urn[I ANIU »1k» Inn[ cl viht suuclm& 1, roll h'll( t sad fu»IAqc )cf) I A I' ')f&le (s p)x&o( cl Ansi»ha'u, . PAYING INTEREST XVr xviif no&oh &1» mtvrr st ie I'urcf»sc. An tbe nr xt sl (tcment il'y( u i)sv t]i Ni iv B«tsnrw'fnt,iim tuBhyihc thnmcnl]hu Dntc anliuuhmlpnniinfniihvlhcprcii in I'nvmenl Due[])te VVi uiB ta m ch«lldn mtrccsl on (4[ance Tianstrrs nni] Cish ]dxanc *. Uattl t))tnsa('tined xte. CALCULATION OF BALANCES SUBJECT TO INTEREST RATE ra; c flu] Bninnr& klcthu&l (mcfminu:nciv Pnr haec. i (V'crz[ru[ale c&s)rale ii( tsnri ASubloct Ioan lnlvrcst Setetnrpu&rhode and m&. ('Ch h)nsuh)CIO) I')u Pfuuu)t) u 6 6!fCI!SX[ n)CC &'v!vtuia Af Pill 'hu»1 (Yv k dux hs li]vai»i[iring iil«i[vi 1[anicfm («ibdq in(bc biihng vck.lgiaiidmk,&[](bc(kuh hda»W tu«llhlr»»1tig»[IVU[lngthCSumOfth&'d«ilVbainnCCvhyl[u'numbrr fdnra )nltxv hi]]in(; cyst To»th uL)fc lhc dm[y b«tannin) c )&h i[avm t[ne sl &trmvnl'n][ui* cx cia, z (]i tn[ r the L vmning bni«nro, I Jl adri nn mnuunt eqn at to the )&pphcnhk 1]stir I'crmilic 6 itr- mviril lr itis the li »ion !t nvs du[) ix&[sure I]laddnv) t'ur hl r vs& v ( ((un I An(fn x 'i( inwut& ml&cr»mi(li nf)trut &ppii»ddcp&ymcnt .md»vht-'f &m h«]inca i. ic 1 that)zero ivc tre &t)f as zclu. Avcraro Balance bicdmd (i nr iuduig new B«[ance Transfers and new ('«sb /idvan( ( s k We»dc u[ ste eel»sr xte 6 dances Sub]cc! to an Inta)cat Saic for Be]ance TrausNrs. C«. h Advene&'s, am] for (»('b Inrrniinrsory or Pr(m)otlonai Oft[ r Ndancc col»&sun ot [41anrvqrsnsfc»o ffx hN]vance(AVc&1u I[nein fiiratculitm a&I& ivhaL&n ck)r»xrh )ntfnv vt ircm nt' i ithngc it» liirakuiitnul &0m[vI»k nc! I 1 xi»iii«x lni i U iin- vt)t nunt', bdimg clrlhxtt»&l« I't'c('x()fr t)nLu&c&V «ih( (')'rich!&1m( 'i . 6; I iu& A I tl.'vo) a),l 6 *ld An 'I'th;I I»»1 .»fuul 0 0 ')'lo& I ) ih) ' u('nl ul i dhnf', iclnit»it[i,1pnsti i "&I !tv v itinntins. Ixtrm:nl'd[m(.c ([",t])[uk[in «i[&h iin ix Sxisnms »keltic&,,(nd t 1t di uin& tt) nmnl thr dnl ha[ xnrv byth nu&nlsr t &l&x m su&I .n) u& hdhu" (vc[ Tn»&I uin(.tt&cd,uix l»i,mrvl,uk 0iym !in- U)rrm nl -in]hue x I,, (U » n &»h)lu(r ('il. &I I«u m nn ] «I) tl: [pl I! &*Is mnh)pli diat]) i) n-dx, in)i& hdanr,(f, di)us i'nfmr( '[&i»st»- n& . n I I'&, ) «I &r) I & ', n ll«i &0 tr, (I.&pp1&ml i( pn»rni, n( ' ), It,&n li b)1m»» ics ~ Iiianz((o& sir «lite zero I 1[m & tm &xuhd& In&i) tnlfii I itrm nl»lugs&a (6 th& t nul & I'» I'xri i»[As(,i'I)) rl«k( lh h- nnn bx»n( xlt»t ut &hi h '6th (v» Un)i&vn, u,& t& n I, I« i lb iir I I'» f'x I, lsd«n,, I I. I . it m im unr q»[)Attn I p[n d&k Un[v i'r)i dlr 0 nvmn[tq [i dhx tli &A ii u. du[ 0 6 1 A !6)nn&l I i font) Ilu» pphc xi ir Px ( x(lr hninnc ~ A)»]it&.u ) 6 & 6 u),u» nil)' 't('cs('hu[('l c& du I )kal)ul u 0[lvauv« I uu 0 I» 'n) i I I 40 n', TOTAL INTEREST CHARGE COMPUTATION hrl(' 'I ( [I )) f c Ic()ur )n I iu c ronqa uni]rr[ un e!b&iiyb I )s TO&lets) mnw Ihe [nlci&.(('1»ricswcmnfnp[v Uirh flnisnccsub[c(t to[ntrrcst it itchyit (q)phr i[A [laity I'i ri»ui [Mtel&nii ti»t rv nit i. mutt ipt)ed by([i(& numtlcl of it xys u& Ihi biBn&ac)r[a Tn d Ici mim I lie total In terr I ('hu w ti mbe lnlhng cyciv, & va!ki tbe Periodic Bale ]merest ('h»ac-I& &lhcr [Ilmivlhit»h 6)tciecnknittcdb !hvirim xnAnnnxli'(rcent)gi& 6 'u .') 706 HOW WE ALLOCATE YOUR PAYMENTS li.um,& ( nintl list»L&n& eilhihitcrcnini'I(s,&vend[A[to»&rath( zmomof'ur 1»n mern (9»[ In the 'I'ot;&I!\imimmn P«xmcrt Du(." to the loavsl Ai'I( bai xov s li) zt ) I 1 s [ U (f u I 6 I I 'a u. act I u) * n ) ) 0 (» ) I t ''6 I ' L'0c ln ( )1 t I PAvnI en t An I0un t«91 0) sss s o f 10 U I iulxl Xhnimnm ['nxlncn! Du ziitb, ppiir ]tnt uian» sxv)thiushri 'IPB 0 forebaienr. s ir tii to c) .S]'ft . IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE xx h('un uu(lh('pu ") 6 pl ln phon 'I'I &u '. x'Au audl »zeus)on»i)'»('n() *Its»( m, p) Al nln mlxuui!rrcunl Ill[»'hnulrln[n) ntuliunxnud&'sl il »l'o)inu)sl !&nih r» iticninounl,uuitirrungr&t sxchpwmcnt.ynrfoui pv t('(t&on,zmwi[ta kh» . (»un[y info& manon A tcr m (I .)ppii for ezpeibted sci is c To cnocot cxB us betr)re th sctic&hliedpavmintd)ti Smncdai In(su(mta»&nm&tberdltedorcntxceicd. YOUR CREDIT LINES fh(. Tol,&i ('r s(bt Lmi's the,& mnunt of »edit a lub&1&tv for the accounki however, onlv a. pu)tion fthnl-I& xniitil foi 6'inkls»h 1&l an(r 'Ih('G) h(xvr]it]mr! ti»t &mnnnt ,&,nt, hi i( [km[,&1 -i 'vi, ), . i n(&, ih.fkmktfnxhv\ I m'»ms) .Xi'\I('o h:[ihs)n(UI,U rrltwL'Uumci [[IT(']Cash:Idv«n»,Snme D«y(inlmvCA h .Uhm»,(l«&i[i it!I'int (tmn(y&sh 4( .mr( .(h sh I (iun if(nt,]t(fur»cd]'a?ment» MISCELLANEOUS If «I'i[Alt]&l Iin- ku'1 !Cl sinu i tutu)e tal'nlvnl('!A u)k )1 cl 'cl h) 'All !0) in 'ki hsua ') ul !I Iuul U)usia»'l l ) Ih ')1'6 I IC U-,UUI( '&Su a)- )I u;»s'ul i )el flic»1'()cd» (kuxl nu u I I slkt&(t '« '-&,lt(,&&[A»m ('ll'16(inde» I(c X:] '[4 « 'uunt u &l.lndatmm& tered h''[A(L» fgv&xu».N A. PAYMENTS r riitmui ripi m nl i tth tntrr iicr[.itlh lxi»n&nti. iiii ]pm iu( xitim,irth,i lb - she i. ndu imi» in & -iipnnlhi h nl t su m mi i unul,g'If)»d uh (6( 'i.dl, \'u A I.: (k)0 u On I I ...h;I'u')0 ulvnn»I») a «L 9 0 6&r nmu u»1 ),'md( 0 sent mth( I mrncmr[opr&»!i(mty!hc»)n&tt mr pcin& n licm sl )lcm»it n(» mp 1m&ng U ]'Axn&en!( )crci cd]A n»ifnh, l x p n foc i fun 'I lh 'sa»&un)(('col(t)c.'A ills [I 'Uufudula theP( mm)l Du& D i!a intl Itu& olh Iw) ~ lnc(tlh,h(n ( imr (n&'nt 0th (re htr 4 I'thrri x! ix I',»))) nt mii*ui lie A I ph A) «dth»& i I is At'du if&r( il'»ipr Imul in r m L'lri] 6& dd im nn nth rps)ment n»x Iv 0 Ia rdnp Inhx k )I» m nr l»0nl 1 it,i-)m lmo»[ ind stl f i t&unwlthnnt rhc in» x&»r! !& ,&pp) n li At & nc nl un) hcm ) t]lbrcr Xx i s - nl -(is n &t i»I, i«',i n,g 1)u ml il iil im„l, uu'it) '(k I u[) U) * I uuhv)». * ' Io»l'«Ic ) ou('uu'ck'( I us fund u ul I I ( . it, is, ciw 1&u& is«s i 6, 0) i uni[ n»& iii x& Ih irm i fmm vnui, i o nir i. 111 ' ') ', s v v I « \ x I)& I I\ \II( n I I'l 'I -,11'' I I I Il I Ilr I I » 'u If '' ~ )I A)a»u& Itl Ivil)h'I'»u 'l»l I I I'v(s)II !'h uhl . Ulh )» 'll I 0:«u)» dur«1 (I [UAI Ainu dl n I&x l),n us" ,,I,hc I u)U»,uul lh). m, x»1-I i 61 p &u) 'ul n u&x ppxx n nl.»u& I !trimu r) rhn . Ik.»vttinr& I u &n - ~ li ItlourbiBing.»iriressnrcnntaclmformationhae(bang(d,oril'Touraddremsis in(orrem as il appears os this biB, pie«se provide at] Corrections bere, \hi&, I ,'ut(i c,. ( ux l)p ,Xr(x f «i k Xl )[,1'h(n: 050 BankAfnerieard ~ power Rewards Bank of America+A Visa Signature" ~~~ 0877 March?8 Apnl 25,?013 Page 3 of t fra ls(cr(c I peel(R Reference ACCOSA( Da(e 07(c Oesc pcu Ni(lilac( Num Oer Aclc ol foie( 04/1 G 04/17 04/1 7 04/19 04/19 04/?3 04/23 04/24 04/24 04/18 04/18 04/18 04/22 04/22 04/?4 04/2. 04/25 04/25 Purchases and Adjustments WAL MART 775884 SAN JOSE CA USPS 0545G501534G01112 CAMPBELL CA 91 1 SAN JOSt: WATER SAN JOSt: CA SHELL OIL 57444591408 CAMPBELL CA ATILT S1461 5909 SAN JOSE CA WAI MART $5884 SAN JOSE Cll SAFEWAY STORE00009977 SAN JOSE CA 303113642870194 WATCH CARE 3 CAMPBELL CA GOOD SAMARITAN HOSPI 800-307 7631 TN VQFOBDBBEAG88003077631 2229 (3111 0266 5680 5228 0856 0242 051G 0862 0877 0877 0877 0877 0877 08/7 0877 0877 0877 5 44 2. 1? 45.26 7 56 112.38 31.09 4 89 9.99 1. 70. 16 $ 521 02 04/25 04/25 04/25 04/25 04/?5 04/25 04/25 04/25 Interest Charged Interest Charged on Putctiases Interest Charped on Balance Transfers Inteiest Chmged on Dtr DepgChk CashAdv Interest Charged on Bank Cash Advances TOTAL INTEREST FOR THIS PERIOD 23 64 0.00 0.00 0. 00 $ 23 64 Total fees charged in 201.3 $0.00 Totat interest charged in 2013 $39.99 I'Ic isn I'(iles'oul''0(lu ('ll iona il i lib ca Blain ~ Inlrl I I'l ic 'uhcc nlful'tn llkin ful tour a('cuonu Yuu col Illsu lmlcw fhlv nifonnahi n rallnlc It iun Ileic icgivlcl'(it I'(inl'( 'uuln io Dnko('LOII(nla Your Annual percentage Rate (ApRj is ttie annual interest rate on your account Annual Percentage Rate Promotional Transaction Type Promotionef Offer ID Promotional Rate Until Balatice Subject to Interest Rate Interest Charge( by T ra o sa c t i o i I Type purchases Balance Transfers Dt.rect Deposrt and Check Cash Advances Bank Cash Advances 11 74'lV 11 74(V 16 99ev 19 2ARV $ 2,534 'll $ 0 00 3 0.00 0.00 $ 23.69 0 00 0 00 $ 0 00 Apll Tyn. Defmit one Daily Interval Rate Type v= vi isola Rate (rate mvy va yl 051 EANKAMERICARD POWER REWARDS 520 EARNED THIS MONTH 0 BONUS POINTS THIS MONTH 0 REDEEMED THIS MONTH 7,B2S TOTAL AVAILABLR VISIT BANKOFAMRRICA.COM/POWERRRWARDS it&2 ostl rhr cks ri ht awe& uriah tttr.,h'lobdctpp T& xl Apl'I lo '25520 to gcl N.'.le& tenne/reel& &r 1 tons ttt &IIIII. IYit& less frrs Ipftly I ur text snpiturtcd &'u'I'tris mrlnrkc Alltcl.;I'fNT Or llnlnr Onr T I'loltd&, Ytrf m Ytobdrh f B ('r llulnr Yr r'isott hpit'&'fess Tost STOl'o E!05&2(l to r umrl snrt I II'I I'n 22(t C(l frtr h&')P lhmk of &hmcr i«, N.&h, Remix t Hll(h p&rI& Your& Ish lsrck &leds Ifsnl hmcnilc de'rkcs II &asy Onlmc uronyum mob&le riess&, cher l unt Ihcnmn& Butl&\mcclir tls tflmr I Ioyou I'horse&br& deals, &nels I tu: pu rot&a sr I a nri the cast& back gets pnt &nlo tits Bank of Atnm &ca "ctcdir msrd account you srlccl. Learn more stnsns ban kola mcoca & om/dealt, or I Ip the it&urbs Icon in 'yh'Irtfttlr li mkmg. 052 BankA)neriCard Power Rewards. Bank ofAmerica+A ViSa Signatures MARK A MFSTRFSSAT Account Number: ~~~ 0877 Apt il 26 May 24, 2013 Acccuttt lttformattcn Ioni,hfmkof i mana 1.f om Mail billing inquiries to iiank of Amcncn PO Ro198f *I) Fl I'«so, TX 79908AI335t Mail payments to ii IIIII III A In(1'1t'a P.O. Box 17081 Wi)mingimt, Di', ICSSG 5019 Customer Service: 1nf)C. Rt1 JIIIC I I SOI)J)4 (LSI 78 T'11') New Balance Total Current Payment Due $ 3,628 03 ..SG9.00 Total Mtnttnum Payment Due Payment Due Date $69 00 . 6/23/ 1. 3 Late Payment Warning: if we do not receive your Total Minimum Payment by the date bated above, you may have to pay a late fec of up to $35.00 and your Al'Rs may be increased up to thc Penalty APR of 29 99% Total Minimum Payment Warmng: If you make only lhe Total Mirvmum Payment each penod, you will pay mote in iriterest and it wiii take you longer to pay off your balance. For example. Pi ev ious 8 stance ............... $2,840.62 Payments and Other Credits............-51.00 Purchases and Adiustments, . 804 82 Fees Charged.............................................0.00 Interest Charged ............................................33.59 New Balance Total ... .... $3,G28.03 Total Credit Lme, ........... $ 11,000.00 Total Credtt Available................ $ 7,371.97 Cash Credit Lme,..................$5.500.00 Portion of Credit Available for Cash ......................... $5,500.00 Statement Closing Date ...............5/24/13 Days in Bilhng Cycle....., ............... 29 Only the Total Mirsmum Payment 19 years $G,B?8.26 $ 120.15 36 Inonths $ 4.325.40 (Saw ngs = $ ?,50? .86) If you woutd like information about crcdrt counsehng services, call 1-866 300 5238, raa arras P&atf«g Pere ence Acr m nai. o I N'a 'Ca Nl If'a rat OS/?'I Payments snd Other Credits PA'fMENI THANK YOU -51 OLI -$51 00 04/?4 04/2fy Purchases and Adjustments LUCKY 4757 SAN JOSL 'AN )OSE CA 06209.i60757ytl)Y7002673912 GOOG 08/7 0877 BANK OF AMERICA P 0 BOX 15019 WILMINGTON, DE 19886-5019 Account Numbet ~~~ 0877 New Balance Total . Total Mmimum Payment Due .. Pavlnetit. Duf' Ite .$ 3,f328.03 69. 00 06/23/13 MARK A MESTRESSAT 1455 LLINING DR SAN JOSE CA 95118-2325 Et'tir'I paytnettl '1inouftt 5 f)fath fe c,':, a rap«geo/, otttagaaai s cf pacaa t,fnfa s Ivt, Itt»cc p naia gwthy «he hp y stet« a «hpfpma ca OB 7 7$ '53 , ]MPORTAA]T INFORMATION ABOUT TH]S ACCOUNT USE711 Rev. 0871 I CUSTOMER TIPS FOR DISPUTED ITEMS I i »I f»n ' f ) n'&I ch »t'c,» * h'a)t»Alt 'i) cc tt)»t cu'u!» I I'l I '»oi »'&'0711)c & &em m1& fi ]mr rt& i ut&ng& i»rur& «, «n&n nd)jut&»»I'& &f&. thnv, ,u»tm&k ww)1ottorrtor&'hcth'&h &mr &wrhtt mcrrhmt r)tl »rl» )nct&iu»t«n ,u&s&rur 'ou)»uc.i&un. )ndc) 0& r'oh & mr&h pnlc jhcmcrrfi, nraphnn nnml&pr n) )) hp t ) 1)t& 0»1»»»'n'&'0)! 0)'h)th»n I )tvn) 'nt Has a credit posted to your accou nit & nljnvupt030&tnv&lvnn)lhc&l,&t oni m» riit &nuhw w ,0'knout('8 'n)pnt ]et»' n Ih ''CI'& 0:»It( v 8& I p N the charge or ammmt on tom if»u? Check )fhuthw pwann.,mthniiz&I] Inus& jhc,&cnnnt tnmat c&uicthw &t»]not nl Itic )BC& ]IR)g&c il I I 0& 0)k'll, I IBC 0'('IChnnl ]»lb»&! an(jvlnrcnnmc ArcditTA)w)torunwmt c)n,)(i]7] &ntu«rt&vitl im)L»r ch»""(')' )cju(j&'q)p. Ono &vav tu &hccl. tor tho wed&t. r&r tu vn A ti,my &.uon 0 t »ly» t ) tuok ul)z)ur Acrz)untsl ~ temenl, on]inc ffiounrcnot nr ftclt niOO]inc Ban]ring.&t &.e& yt crnoflu ingthr. Aeh,i&klr&, nnrhofrontut ours&sterne)it or i & nv.iraB Pjeose ro)nmnber: ffyou find an errol on your bill, you mnst not( f7 ns no tater than 00 days nfter w* sent your first statement on which the orror or p! oh]em appearod toprescrveyourbiiin!grightm ON] ]NB Oniw H.mima is.i attn))f "Ajionr,& Im.i i. &R,i j„inii ,Iqnw')'0 0 &»' tj)t'»nl"I I&'Inn(,uh ln (»»»,) '»»0» PHONB k c»LGG(&720(1.0218I)nrp)rmptsw '0'tw&cch& el] & In»eh, nl I » ir nur I ~ ti ,&&)i]Ah]!forth& ctieiy r ]inrlnr twn MAIL Attn. Billing fnqtiiries PO Bos 988805, j(1 P;&so, TX 7]1908 V h& n i&vitnB pf»& so lncju&tp Your Name Accuunt iNun&ber the IHI DisputedAmnunt,MerchantName, Tranmsction f)ate,anrj reference nu)nber rif tbl &b j)ulc' &&emu»1 pr»tie &let uja tc, m &ln&q yourdispute,incju(tmgitatcyofcontact with(homeich!nt nit the n&orihnnl')rnspunse)nczchin&tnra& Pi nu* m fur], 8 uiq)o&tm)f hl\'»jl» »latin», u)ctud»ig. AI *.')»t elv(td &»)rh 'r&,10»I»u'I 0»d ]&r& t lgl'return r«&q)ts,&aprtlofnf Inc&ciur &- PAYING INTEREST IVO wljj Aot & fi trft&.'!Icrcsl »I Porch) &I nrl Ih&) n«l:tntcm nl )I &An i)ai'(br 8& )v t!RLm»lnr)fuilujli»II» lknminlllncl)0(&,ml unhidpnuimfiglivtii* pn t&u& I'a)ment ]joe])&(0.\t'cwiifbcgmclu&rgin'mt rc tan BALmc&.'Ir)npl Iwu»t(seh !Bean»)e n» !I) '()n»A)&c)10» ILIIc. CALCULATION OF BALANCES SUBJECT TO INTEREST RATE .)&crnge jjufy tj&&j»&cc '1](th vi finclu&hng nc purrtu) &wj ttfc ratci&k tr ei parat& jb ]anrey w)hi oct to an inli rest ttnti thr purchn see A mi t'or c&rh ]nb orjuctnr& o) I'romr)twn'if tlftr i I )tnn *» ) & tm" t I'nr& lu:A ji'r 0 tin(hv (i)celcni&fing& iwtylzkzn:&.foieaihii! i»fh hitim!, rt,ig)sit]»ig,ittthctjai)1 8 tlsncc together; nn&j (0) rj)rntu)0 rfm nm oft)i dmh lvit& ncaa liv ttic numtirrnR]nyy nittir hit])iiv&yrk TocitcuL&tcthedmiyt&nim&vfur«hi] ivmtjnselstcii ni In]jun, i(ir,&'.Ili toke th& I ( ymnnv' )k»it c; i ) I uirU&n nmmmt 0 u if to the qq)1 A ahjo flu tv I'I viurji( 8 &i r. mniruiip&ttnihetneiio»«j»vbijul tutu, &,t'l)l lln & th,hi.&- nr .4(w»mpc ,»»in ') I I)»)wl I ~»If«'(0!»»I IJS»ht),ul,)t)id) I t 0')A»i '»Iv»uf CI'&1lt 'fm!i )]1)f& t&utsnc wto (ttuinmios;t c&titavzcio Average Ha]Ance kietho&t (inciudu&g noa 8 )]ance Trnnstr & s &nd nr v Ca. b lilv!uicc)8 0'ccai uL&te(epuat BoinncesSubiccrtoanfnter(RIB ucforBA]yn« 'lru&sfory, O&sh!«Ivanrc(»&nri f'ol pa& h fntrodn eton o& I'r wmtinn&ij Uffm Iw]anci con, I tmg of HA]in& i 'l)m I'ci-&»Lyet) I hnnrc( '&7; lurh tir &I!Mimi], Im )iL)il tin]an& foro irk tw mtf && I»(im nt'dtin «&i I'I &I& I »n",»I & I ! II »c&'h & !&ch&tivl»& t tutiu- I,&c»uu& 01)»17 &''lb»hi I I I''() t( 0; I»)»'ll'I ('\CICI, I»)\ '0, IEIL»1 I 1)»1 I&')&I ',( ! ]1 10)A»''A»h )»'») .('»«) litt i»») I Ih I)I' I'»II r&rjchut )tj»&IA)'twgd&tc &ttnnttn, Iiir&n )ii-!& 8m»»j c 0,& i tmc,di&t& &tmh t»1]&»C( I)'cfh'). A&t)'l](11'Ih»alh IA)util fl)1 lvd»)'* I&'&I»'»In)u) 'llj»'jn . t,«maui 7 l)iljni ( v I tn«]mt ».lh& d»h I iw) f»»h&t, n&!h.- -r)t n '& I -I ilt &" & I,o !I) , I ( t « I j ' , I L I I! ( ' ) I', 1 & ) ) ( I . " ' ' I »' ) I I ) I . I n ' I I I ' I ) I I I ' ) ' 'll ) I hart & i ' ( ' r i t & I i » r I I ) ( .i I I h h A n » ; h, I i i , & t » I u r hi - i t ) t i ' '& r fr 1&&1&n)« In h dth.z» oilier),)- »'I I »1))Ainu»I I'!!I. I )0 &0& I nhnd)i I) )h' I I" h. « I » I » &) '0 I & !i'' ] I',0 In dod 8 lant .( !nnd, tdnni th., i&pii, I le]'& () I iut w - i ) fiji n r I)t&'rt ) )»),»'» ) I j c 'l'C&CB»i 'l nl if 1 "&.,0 'l&)» 8),) I",» I »I i) ) I I 0) fn TOTAL INTEREST CHARGE COMPUTATION fnt »si Charvc Accrueandaverun&poun fr&ion a Bi])i» i . ]0 ktwnui'ih'nil'rc !]hit &An'&'n»dilpjyenrt! tLIL)nccSublrtt tuhjh&c t ]it!&'I y»,ip] br if && IL»h. I'enoit&c ]Min an&] that I e. nit IA &m&jiq&tir(j by the nu&»he& uf i]ay& in rhv lug)ng:& r ie. 'I' dctc)nuncthctutnjlotere tCh&rgi.ti&rthehiBm ~ rvch,&v;»hiihci'(»nulli B)re Intr ri.t (l)&r 'e I) ether A I'ia&ly per]0&f!c ]teleia r)tcuj&tpdin &fn& lm,m Amw &] I'wwn) i h& 'CS HOW WE ALLOCATE YOUR PAYMENTS ff nimuwonnftuehnianr ()iirhdiffcr nt, )I'BA ui i ljt)]]or)t thv!nn uni 01 '00)'a))»»)AI ('qual»i If»'ot'll M»»nn»»i &CA» ni flu&' tju' )A&' It 8 8 &t »)c ' In'I (u)i Iud)n(! I&an notion.. ma&tc aff lrtjus stntcn)ent) I'mvwr nt Amuumj»n cu,e ot &oui iota] Mnunmn) lbymcnt f)uc!vdff)v)pphrdt )t)du&cm mthh&ah Af'8-i loi& h& t&nr&w u &i]) town r AI'It IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE 61»'» 0»»&I)»'j)&I »I I]P) '81 Phn»c, ('&il 01&»»»h I'wl » I )»»»tu»») elec!ron), I & n!Cn&lrnnlvnu! Rcco)int »lf)cfin)n&u)ln& Iili I ni(»i Ic & nit 7 I rnn Autt)0»r& thc.&mount ondtmuimofeochpnvmcnt korl urp- icu»m. 0 Ba t,jo& «&uritvu)formal)on.Afeemayeppjvfurt zp&dltcrjs rvli&m Tn canc& ],c &flu. b&forettw schoriuied payment dato. Ssn&c dny i&aymonts c nmot t&e e&hteil m 0»« YOUR CREDIT LINES Tht Total Credit I &n) is!bonn&nuntofc)v&ht &,ujut ]a 0».Iheaicounl.ho&.* v),un]i A pw'ti»n fff»«j'-,'&vt»fit)jufu& Ifanklymbdd«r»r Th (li t)(' in l)n i Ih,t &m»i&( if.«& m ni&I]r lui ]Un] I'i.ii,)d nn»* Ucnri,,pi 8. Ai ( o h»I, &, -» n .tnt N] IIC&sb 1dvnnccNUict thc(ountei ((TR]]Cn 8 )0& »i wd.nmc Dnr)nln) i'&-h .'Irjv&m''.,\I w(t)attl'rntwtuw('a bAd y&nw0(0 vt&Brlni aj nt» 8 lu»» Iljnrn nt- nn I lp) t)c I I Imn «I&0» I IvtlSCELLANEOUS I')on&nilnn)ltlnlotinr]Dntr lin- t)tr) Ivi 00», lrl tt' f. I'I» ni n»1»h) I) )&,)ht t I ih(')&I »)»&'I 11])c«»)i I I ('l;»»fr)»h»01 t«»)»'& )0&» \ n It) 0!I !lcd ( 1&)c n)cnr I]lend, i. ic iv i&i »tcnunc&f]1 (f1»d, ci,». 'C,l it,.-, » u»r 0-n d,uuin&imw& Ivr'h I ]AC»08& r ic .,8 1 PAYMENTS '') vht »)»]cd i» &'nl '»I )I I lhr L&t IC»'I»' I ih i . n 'nt Ij I) I 'CI»'in &1\0 I»» ' &i) ' l ]I -8 A )»0 I' I »!» -])i I )0 I)» I!») n '01]d tat,m nt.&!)]u& ]ant& irin t &t&»»ni] Inh»- n ) I '&, & .&Im: tnt& n &r ,il 8 ]olin»)u)') h'Iy!»11&0 &'»I ~)thr»fu»lcn 'I')p &) hu»i 8')\'null»)cc po)(ha f&0»)'AI)»PA)c»I )ic»1'fun»»! I i,»n»'»! &('I cd la»»t,)IICI, p n) foc;&j nn)»litt»''&»»II&»Ice 't)'c n»l &]i 01 tn(j»1 0)c Pn»n 'nl tlu ')»p 8) I lt) 0 or]»ra) rmcitt)A» tw eiei»in n&wir i)I r c jr&»l,w f)h n )r In Pnni nt ~ n»d»titin 0) I pt»mc»ith &i fir& I & rfrhc i&&& I) &»i I I . I In r n r: ntii] ij&crhlto( y&» ntiwrpn&mpnt ma) br ri)is«t upt 0»n) 'At(hi)0 I) I IIC I,»1 ) '01 I ») I y)t) I )»w) *)tt'w» lhC f I )ol &) )tt&'» Ipp)'A&'0 ol I I't (w) 8 'n) I')lf)CC( n) -I p 0) '»I ]1«0] 'I« l)'v 0& I \ u».. » ' t ) n), I&'I!»,0 I »» &'8 A.I I uh &8 ' u»hv»l ' u I » '. I\.,I ~» 'n»'I '&'»»» fu» I li ~ I pii& -. it.i, ti t.urlnl&cr ]i if» I wienu I nl»ii,» ntiwn»,»nu *»)I '»,I » Ilo tni)10'I'l » 'n»)I If 'tw . 0)iw», 'I&») i' » I«h»& ll 0» I I '» . Ih » wl h»t&»)a «»»&)it)0')»)»») I I dv i »II ») n.l) )'»»Iv »A I Aiui ] I\I»'I I. ' '» 'In)) I "I ]1»,»I&lj)11 « i 0 '. 0»'vl yiid) . 1 t; IC 7)p ,)r,&l » I nl I'l n rl, I'I& n it'yonrhiBingaddrosa nrcnntact)nformaliontw, chan c&l,m &tyournrldreysi& to&'ol'I'('ct 1 't t)pj)pal' 00 this 818, f)h»IRp pl'oviri( alt »)rrect»in 1 bere. 054 BankAfReridard ~ r ower Rewards Bankof America ~dy¹ Visa Signature"' ~~ 0877 Apiii 26 May 24, 2013 Page 3 of 4 Reierecce rosie Dare Dercnnrrcc N Riser N elec Ae Icl r IDT 04/2G 04/25 04/26 04/27 04/26 04/28 04/?8 04/29 04/30 Ob/01 05/02 05/12 04/29 04/29 04/30 04/30 05/02 Ob/02 05/04 05/14 05/13 0. /15 Purchases and Adjustments THE RX HELPER 888-233-4303 FL 41D093C? ODDD 3DOO 828 HOMF LAND 800 4934240 800-4934240 TX 0 LUCKY 4757 SAN JOSE SAN JOSE C/I 06209360757V16Y7003099422 WAI GRFFNS ¹3378 SAN JOSE CA LIJCKY 6757 SAN JOSE SAN JOSE CA 06209360757V16Y7001 745091 DIABETES SUPPLIES 4 LE 877 880.0004 FL 32158778800004 SHELL OIL 57444591408 CAMPBELL CA WCI WVCOLLECTftRECYCLE 408 2839250 CA 08848075050113 SAFEWAY STORF00009977 SAN JOSE CA 58312225308/717 LUCKY 4757 SAN JOSE SAN JOSE CA 062093G0757V1GY70017986G1 WALMART ¹5884 SAN JOSE CA 5043 3158 1207 S754 8012 0393 5304 2000 0257 2624 4434 0877 0877 0877 0877 0877 0877 087 7 0877 0877 0877 0877 69 95 390 00 5.44 40 02 5 II4 110.00 69. 78 68 94 10 86 537 20 45 $ 804 82 Ob/24 05/24 05/24 05/24 Ob/24 05/24 05/24 05/24 Interest Charged Interest Charged on Purchase interest Cttarged on Balance Transfers Interest Charged on Dir DepfLChk CashAdv interest Charged on Bank Cash Advances TOTAL INTEREST FOR THIS PERIOD 33 59 0. 00 0.00 0.00 $33.59 Total fees cttarged m 2013 Total intetcst charged in 2013 $ 0 00 $73 58 Your Annual Percentage Rate (APR) is the annual interest rate on your account Annual Promotional Percentage Transection Rate Type P I 0 IT I 0 I I 0 o e I Offer ID Promotional Rate Until Balance Subject to Interest Rate Interest Charges by Transaction Type Purchases Balance Transfers Drrect Deposr.t and Check Cash Advances Bank Cash Advances 11 744V 11. 744V 16 996V 19.244V $ 3,601 19 $ D.OC 0 oc $ 33 59 $ C.OC 6 O.oc 3 C CO 6 0 OD APR Type Del rt ns Oe ly I Idest Rate Type V= Venable Rat Irate nwy vsnl 055 BANEAMERI CARD POWFR RE&VARDS Soa EARNED THIS MONTH 0 BO)&US POINTS THIS MONTH 0 REDEEMED THIS MONTH 8,628 TOTAL AVAILABLE VISIT BANEOFAMERICA.COM/POWERREHARDS l)cp&mit cher ks rit ht mvav u»u» Ihr'obik Apix 'I & xt Apl'I to 228MB to 8&'I &I Sn* tc&mv/r& vtnct&ons in App Rhn les& f& r 6 app)I. I&m text, supponsd & vrricrs &m Inde: All(at,,)'fd T, 0& ilute r Onc, T klohikv V&rf m )tnhd&1 I'8 ('r llulnr, 1'rr&zm& 1Vm 8 st. 'I m& BI'HP 1o .*.':?(&8&2(i I o r umrl an&I t ll'I I'o 226&8&?(I fr&r hn)P. Ilank of A&n& nc:&, vhA. 11cmt&rr PI)IC. P&rI&V&»&t rash tnckdc&ls Bank1n»nl)cd&'okr &I & &sv Bnlmrur&m&ou»nol»l& d&v&cc rl&e&I oni tl&rmmp II»&k)mcrilkalsoffcre&llo)ou ('ho&xvctbr deals, &nake the lmrrhssos and tho &sub back E&ts put m&u thc llank of &unr'n&'a crcrlu cant acrount you sr Iccl I sam moron( u)vmbankot'an&crine &om/&lsals or t,&l& lhr: 'Deals" iron u& Mol&ile 13&mkmB 056 BankAmeriCard'ower Rewards Bank ofAmerica+A Visa Signatures MARK A MFSTRESSAT Account Number; ~~~ 0877 Mny 25 Juno 26. 2013 Account Information vnoi. ban krvkv mr fr i'h 1 rin1 Mail bilhng inquirtes to: Bank of Amurir,i P.O. Bov f)s'!"Iii El Piih(i, 'I'&'sscJS -'Si,) Mail payments to: 8'iiik of AO1r r'Ic I P.O. Box (701&J tyiimmgton,lii', IIJJS(K1010 Customer Service: I.S00.421 2110 (1800!14(utl rs TTY) New Balance Totai . Current Payment Due $4,507.44 .. $90.00 Total Mmimum Payment Oue Payinent Duc Date, $90 00 7/23/13 Late Payment Warning: If we do not receive your Total Mmnnum Payment by the date hated above, you may have to pay a late fee of up to $35.00 and your At'Rs may be increased up to ttio Penalty APR of 29.99%. Total Minimum Payment Warmng: If you make only the Totai Minimum Payment each ponod, you will pay more in interest and it wdl take you longer to pay otf your balance For example WWM i'i!i':.i':!ilia'ill''Mower'~!:,':". ',. New Balance Total... ..$4,507 44 Total Credtt Lme Total Credit Avaiiabio ...... Cash Credit Lme Poruon of Credit Available for Cash Stateinent Closiiig Onte Days in Bilhng Cycie . $ 1 1.000.00 .$6,492 56 . $5,500 00 $ 5,500 00 . 6/? I&/1 3 ...33 Pievious Balance ........$3,628 03 Payments and Other Credits....... %~9 00 Purchases and Adiustments cJ02 05 Fees Charged ...........................................0.00 Interest Charged ......................................46.36 Only the Totat Mill iinuln Paylnprit $ 149.27 21 years 36 months $8,672.68 $5,373. 72 (Savmgs = $3,198.96) If you woutd like information about credit counsehng services, cail 1-866 300 523S TF'w~~&rrg"»,.-::~'-';.--: =:s~:":-w='.~'-".Ji&h!v-;"""sbws,:::"lb''q~w~-,,iqk~mx, „ r pl chirp' ~ 1 w nein n. 1 Reference flccpl rr fy h hhrr * 0(/?0 Payments snd Other Credits ivivlviiiii inhivit viiu 2 Oui - f)CJ 00 - $ 69 00 06/24 05/?8 Purchases and Adiustmeiits HulvlLLANO 800 4931240 8004cJ342fIO TX 0 08 7 7 390 00 0677 BANK OF AMERICA P 0 BOX 15019 WILMINGTON, DE 19886-5019 Account Number: ~~~ 0877 New Balance Total . Total Minimum Payment Due .. Payl11('.Ill Duo Dote $4,507 44 90 00 07(?3/13 MARK A ME, TRESSAT 1455 LUNING DR SAN JOSE CA 95118-2325 t.liter pal'riioilt ainouiit $ Check h "fore chshpe dfriu Ihg eddress n- phone rfm. *fs Riess pfovdo ifcprefhci sdh ine reverse sde M i th up I g ith your check ppyahi t asnk of A OB 7 it'57 IMPORTANT INFORMATION ABOUT THIS ACCOUNT USET! l R»v 06/11 CUSTOIVIER TIPS FOR DISPUTED ITEMS M 1» In»c.&tivl u& &)Cga&1,',1&CI. &tm)i(PCBXI PS)hd(C» toii&erv el)1& notre Oauil() .» i&m mls i Ref&i Ii-& ut&ngx Is»c(,sc)vc&mmpnd)t)0&»»xer&fvnlei Ihtn&, ,&rtlmiUP cii tfu)t&~ i nhofli rhsp»&»ttith nirt&lmnt Dttentliumci&hantcm nniiv» ur&iu iron in&le.«)vie rlvvvonr&iiepuk.*lhcmmrlmntf pliom*numb:r n»vli: I i ite I in» nri m&ilo) tngri tnt m nt, Ras )I c)cd) I pnsl &'6» 1'0»&i«count? I'Im«.*dg irp&ri,10 Inv lrnmtb& lat on&oui ci&rlitinurhcrr» &1 4& &'k'I m nil&'» rln lb &1&cr&h»1))rmhflopnsl la the charge or am rnmt unfamiliar? ( I»vl iill» &ii i li isnn .&othon( 6 tnirer &b& ac& oiml tnmalr»urrthii I Inoinml & th &h. )2& It i pu sihk thit rhvm(rchints'h&flmgnnme ailrl tor »»mr,&i 'iffprc)it 0),ul»1)»» '&n,xeilyhe &'tuifixs xi&silt) i»)a&'0 &I'C ''1)'1)deli»a On dl to & br& l. Iur )i» cred&tao) to i&eiv t&ansactir)xi &frta&fs i» to fuoka(your acrx&un( st ~ mmci its Onhn& lt i&n& x» nof vnrnlfc&i m Online Banking )t)s ea y fo P»roll uv&i»; if&V &eh, rktrr. i)n&he f&erg ul ynu&'Sl &t mrnf Or meua:I sag. Please remen&bar: lf you find a 0 error on your bi)i you must notify 0 a rio later than 60 d il 1 atter we sent your first statement on which the error or probfcni appeared to preserve lour bigmg riyh la. ONLINE On)in 13ml:n!Iiv.n:«Iihl »limni»:i hii,i I,& n« l.,&nrl .I! Iw )»)I »'& lf) &'1l I 'I'i Cf &I( n n) I '' 1 01 PBDNK 1660.26mB»12 I r i !» )))Pl('I « 'l iv ' I ' ') 'Irf« i» i'I '« '. »Omt» I/S) :I '»txhlr foi th& h»vc) )») 01«)ml MAIL Att&v. BiBmp fnqairies PD Box 262220, El Paso, TX ?SSSR Kh& n a!i)mt iitrasr mclu&fv YourNan&CAecoun&Number ihe IHl Disputed Amoxmt,Merchant N»me, Transaction Date,andreference nutnber ut the rb »pule I nr m and pe»fic rl I ulm cgnrihng your di,puts,inrhidn& (fatr ot'&ontact»ithlhcrmnvliantnn&tlh& mo»lian(4»sp nsein»& bin fnn)v I'I nsvmcludeafl. uplm&tm!I lo ument iti&ni,»i.fuilt ~ gvah";inrt» &lit nuch cs&onlrnrtanrl pn la' cll ))I 'I''pl )»pc»I )ii))'&I''»I'1» PAYING INTEREST Wcw) ~ not chir» mrmcit mf'utrim, &venihcnextslatcinunt if'you PaytheNcw IUI &nc 'I I)f 0) hill)» &hc Vnrn nt D«r I'I &i,»&11&m t&ndimidmh&llhYI)HPrrxinu ''dnt l)ue D»e lyv»&ll tx'&'»I 'f)art in nx lest &In 0 d&nc& Tr &naia)'s u»IC 1»h .41'»i»')16) 'i »)a)c&x») CALCULATION OF BALANCES SUBJECT TO INTEREST RATE .'»Cr»,'lul ll&lnnc '&hth xlftmlurlmgncwPurrlu&»psi. 4)'(6&lit )le 'I'pdi'&»'i: I inc&' su!1)('I'I toml bxpl'('»1 Relator pui cheer » and tor c u h Inli mlumm i ni I'«n»it am: I Dftei 1,&inn» . nei tnm of!'urchn»ss (Ve ilo ttns 10. ()i,)l nlu ng iild lxlvil&nvcin vi li&lxi mthphitlmgr»i ".Nladdmp dllrhedul& hnlancv»i i)hi r; nml ('!) ilnnlmi; rhi rim ol &f&0 &laity balnnc )s bytlw munlmr nf&inri inth Ngm" 'li r d»6 &lr.*the rlnilv balance I'ui each G» m rfns»txlciru nt's 1»limy Pi& le, w - U) t» trr: the Ii -.*,uxnm* tsxt &nrr; ('! I ddrf m m&Cunt c&p,&lie tlie lpphcahfe I) &ilv Per»&rlic 2 &le nn hip)i * I&n thr I» i »i-iln&'- I, ili IxilanicHIim1&ln) s Pi)r hd & .nr.,( «»mt l'&i ,i)11)1 ')»1' ll I I'»)i) lid) 1)htl'»t apt)hi id IP pa« ix'nte u»f C&'I'Alt '. Its)1& Is&la)c' Ic'»)k»1 I'ro i '.I)c)t)tnl'scr). Average Balance llc &ho&) {im lu&hng ncw {)aim)cc Transfers an(1 new )A)st&A&hen)ccsl: &Vc G&lcuf &tc s& par &te Balanrnr: Su 1&tref to an lntcrost Pn»o for Balance Transfers, C xsh Adv mr i, u&rf fo»ch Mt)ortu( tm & or Prim&0 non el Offer hafanm cou, latin of ltd)m ir. &i iii &r('avh td,u&cr" )V &luth sin fl)cdrulatm xrlmlvhalancvforc)rh I» indn.-i tlcn ntxl &g&n«I,.(llc)k: L»ing,&&luf'!i&hn&wfurrnchrlnypi& r&uth& i. t n» ct'igmx ' th» lm I & I'& *()irk lx&tnn -,)I'ir &'1'CIPM&lanr 1:& f2 br) & 'I;in f&» n n &' i& 11 n i p& Ih& lrnn .0 tiondit. p»orti lin sta&en&cnt'illm&l r I I ut inh i»n tvigditc irlim&h ritcui ntbtngmgmrlo & fl »l&lm,&it&)» &in{! »li1 1 I' I )1 )4 'I. » I I) h' Ii )»1)i ')i) I I )br &LI)1 h&l i)»a, BY th& ox)i»li' &L»'i t&n- t, t m mxhigni I I»1 i» t r,»hd.i intht» t, 0'ment, Inlfm & Ic «« ll muh&t I iilr ih, I & x n-&4 .&I & ix lsilin t I »&I)ne fl I tn & I msfc&in& v I'tl-ihtrxul,ipphrilh p»men&., iim»lit If,&n ,&I nlit . I, &I I )lm» tm,»h&l; & P»orlnifn xi it»Pm&t»l»lhn)1;&rtcth)t ha) & I''y I Is&) nt'«Ill «')1& Ih I& m nmr hnlan»i(i t»ln)t &hl& irl Ini't: rlc hapl &r (»n))" », i)-,ui)» I,I Ithcli&-& II'' I & hdl»1 *1(2) ,»I I. n m unt»i»i) & rli&, )mls, I I IUdv I'i lir lhxt& multiplr dhv&6'prcxu)u. . Iul i), li i» & II, n I«l loiit iti dppliri) is Pie (lilvhxlnn aim fili n ivlatprl I)x 1),i n»& I «'l&'(&& )i) I ') i» thl ' lieut ») n ff ti 1)l,,i lion p&i. »'\I»if I )01)'g n&l TOTAL INTEREST CHARGE COMPUTATION Intvis, I ( lmrgei accvu,&i»i.uc»)miinuiid& dr)n & ibiil ts&sis T i &1 ivimnx Ih * )nfer& tChnr & ~ i cmnl»Plvc»htL&l»& t«ill tl &I » )& tgucby»,&PPhr. tilcltdifv Is»iu&i&c If »ca» I that is ub & m!&It&pin Iliy the nuirI&cr ot ilnys &n rhv l»lhng Dele To detcimmeth& tot dlntarvstChar 'fur rl» b&gmgryclc.&»:arlrl Ili. Voiin&l&ci!xtx fnrcr sf ('lx&r &stn &gh&r. )D&ilvlkn rhrllntc&»mtrul&terll& dtv& im .in 4mua)P(&«i» ig& HOW WE ALLOCATE YOUR PAYMENTS lf nuraicuun&hi.1nlan»s ithdrlf&irr&t 11'6 ~ .xir&i dlxlloistciicamountof'ur ixsimr mcqu <r& thc'I'otal.'&ln»rnm ilk&vment flue I tbp! si. I AI't( l»bu&r i nvst )nctud»1'xxn)lci)uns»1,»lcalh)rtln tnicm nl) P,)Yn&ent,I)noun&, in&!» ufyou& IbtnlM&amn»i)V)m niDu»tfl,pi{i It Imlu)r(»thhiahci,\I'Bvbrtm. 0;ti)'u'&. ui&h loi& r r .U'Bs IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE )1 4 au ing Ih&'f 0 u) 0 I & h I'hon '.p&&)»s 0) itfl I'I»'l. clcrtr&mcp&'mmxtnmi&nurar& unt:iith h»nr&dtmstnut nx x! I&.& niic,y uin»st 0))the) I/ ' 6«'i»)ii)it &») 'i) i) gute )ch ) a 'ci)t I' &( I)1 p)''I I)00 &sea II ) L to) sccur»y»&fr»un!&oil.dive»)a,ippl, I I esp&xhlvrl.cr xc. Inrm&c('t,(x&ffu. Befoivlhi schcdufcd payment 6 &t& Bmx" ihivpnv&uonts cannot beer)&ted or mu&cefcd. YOUR CREDIT LINES Th& Tnl it( )edit I tnr'&illipnmmmt ofri&rlnn (uf& liteforIbeacr'ouo(,howr v),unix 0 p&irtmnultbxr r-,i:nlihl fui 0ii k(ii ~ 0 4),uir&-. 'I'h Iimh(hc(h&l. n i ~ th)&i,xo&n&uit h, »,I .)il I I » l,&ni, &,)-I' I,m» I ) &, I 6, nl 0,) 'i 4), n» '. & In) h tihdnccs.(hm &i» t'onn i(iI'('100 h 4l,u&,. am DdvDnlns (,1-h .& I»in 'r,(l»'I Ii Ift I I'&»'») I l) h.bh, 1 '(. li ls i»1 nf 0), I '»)in&' tliin)ci&t ', MISCELLANEOUS 'I'&u»)&no, IIMI.I )»ID. » Ih - I I -I - rl»» to(inc-I»'»1»i&r)0- na(L)) 1', I I«& ''pal 'l » no &»»),), n) i.& ) I t 0 (»I I (,&»',41'»»I!\( » I I «- . »»I 1»)«'III I(,I I. 'I I»' \ III:I »u')I PAYMENTS 'rl&& m»l 0 )» m),u-;&v t the&»i(Pi '0'n rL I &br is&vn)tnt &s,Dlrr«&»&fin pni iu»l& m, rt!& .»Ih,- ~ Ii i', ntts ()n&&t nr& I&pon)h& trunt& I r) 0 rv mhlx d&,ma 0 ll . 0'Its)'1 1 I fhu»lci d»1 »hi» n ,if 6 Iogu rnoi» o«lcr,xnili» cnt)ntf&crcru»i:m)luli 0& hunt tbc&&m&i»nm p &)lb» I otu I u 's))I xi»))1'p)»n)a I I a»i)eii&e)c ei ml I i)i &(1&ill 'Ii p 0 h & 0 »mv,ii &h rvm t&nm&»i kl» . n sin il.if &ncludm !he Vavmcrit flue D its, bui that 0'h i& 1 'r&'t ih ', I ) (' ' 0) 'i»&'i»«gib('(I&')IP I I I th 'v&i ld& P)&i» nt» &»& Ir» km nrle ph nv gls 't I & nl thrddtcofrcrvipr fm) leg&'m (&ntrxi. (!Icrh)to&m&Y &thcrisnnu'nt tn»lrdilav&duptnli r ld pn n nl hall )pm, &p l,m& )v&& I ») twn& timon&»thonsthci&lo) &x'I'&ttm& ii p)0,1 ot our &i(0&xi i&')i) I DI i»'I'n .& p» I» 'Ili h I &'I« 'I )I), tl I 1 11 ~ )i) 'I 'I)1 )11)' 01) I » 0 I ou)cfx &!.I,&hsh t,,)&ih I r& 1& t && site &oslo(&n&ccl &'i)xn»&fun&1 &iuxsf.tie& ( ', ii,) I & h&* I 0) )sipsr&fldfil I(i»»le l)it '4 * slit)&{)'e '))f1' ni You&''I'nixf , iix' « '. ' *I I'i f»1 0»'in ( 0 'I 0't'I)' lclui'I &'0 t«uli 01 I ')l In au I )0 ) 'i 0) '','n») 'un I »'a»vip)-, n&g 0 . I lh »&I » nntlv», In ) p: »nr&r &Inr» fl& ganrmn, &&rng& h m&Oui, n h»'I ii)u I '«unl )lb»-' u,u) -I &i'li(') I\'m&'ix ni,n 1,»» )iii)t I;0 &h»)1 »v 'I »rupl »&n ~ I v )i lc',tc& mu )r &hns,»k uithtmlu )n In Irto) 't'y&nirbilling ul&lresinrrnntactmtmmnt onh&. rlmur &dm ifyouro&ldre) i)s nlcol'I'ccl 'lsit nlpppal''0»lhl big,ples&pprm)d&'aB orrecti ns here. .1&kb i I &uk!re . »t.)t 'lorn I'ho )i Oil, I'honC 058 BankAmeriCard' Power Rewards" Bank of America+A Visa Signatures ~~~ 0877 May 25 - lune 2G 2013 Page 3 of 4 I«I:acc n pciryr lrcr e ce secor II Dale rxvle O."ceylon N rv*r N y Ger aye yr rolel 05/25 05/27 05/29 05/29 05/29 06/01 06/02 06/04 06/05 06/11 06/15 06/15 OG/25 05/28 05/28 05/30 05/30 06/31 06/03 06/04 06/05 06/07 06/15 06/17 06/1 7 06/26 Purchases and Adjustments THE RX HEI PFR 888 2334303 FL 0 ALUMNI WEBSITE 509340 2505 WA 0000932144 SAN JOSE WATER SAN JOSE CA HCA LOCAL HOSPITAL 6153442404 TN 052913 ATBT S11G 4122 SAN JOSE CA DOMINO'5 7984 SAN JOSE CA SAFFWAY STORE00009977 SAN JOSE CA 303153834336682 SAFEWAY STORE00009977 SAN JOSE CA 46315581 1570656 SAFEWAY SIORE00012930 CAMPBELL CA 583156845192309 JOHN DIJGGAN, M.D SAN JOSE Cli DOLRTREF 3823 00038232 SAN JOSE CA 083167085184314 WAI MART 45884 SAN JOSE CA HCA LOCAL HOSPITAI 615 344 2404 IN 062513 5337 74ra 0139 5893 5023 313G 1059 1555 1050 0807 0005 0240 0115 0877 0877 0877 0877 0877 0877 0877 0877 0877 0877 0877 0877 0877 20.00 45.44 85.08 73.72 6. 49 13 91 10 86 5 49 61.29 9 79 24.97 85 06 $ 902.05 06/26 06/26 06/26 06/26 06/26 06/26 OG/2G 06/?G Interest Charged Interest Charged on Purchases Interest Charged on Balance Transfers Interest Charged on Dir Dcpfkchk CashAdv Interest Cliarged on Bank Cash Advances TOTAL INTEREST FOR THIS PERIOD 46. 36 0.00 0.00 0.00 $ 4G 3G I Total fees chaigetl in 2013 $ 0 00 ~ Tolai i ~ terest chniged in 2013 $ 1.19 94 Purchases 11 744V Balance Transfers 11. 74SV Drrect Deposrt and Check Cash 16.99SV Advances re 'pae~%vjtreeft'Ty~~vlg+.'Kj~~+FBWP?!Apoj':WA'.9$.;iBF&p3it':".=: i',,g Youl Annual Percentage Rate (APR) is the annual interest late oii youl account Annual Percentage Rate Promotional Tl'nsectlon Type Promotional Offer ID Promotional Rate Until Balance Subject to Interest Rate 64,368.17 0. 00 6 C.oc hltelest Charges by Transection Typ 646 36 6 9 oo 0 00 Bank Cash Advances 19 34SV 6 0.00 6 O.oo Apn Type Der nit one Daily inter st Rate Type v= venable Rate ii te may varyl 059 HANKtMERI CARD POWER REWARDS 901 EARNED THIS MONTH 0 Bot&US POINTS THIS MONTH 0 REDEEMED THIS MONTH 9,529 TOTAL AVAIIABLE VISIT BANKOPAMERICA.COM/POWERREWARDS '-,:4'~=: *"'*'«rp .- w'W "I" " =' ' ., * -"'; .-„".- '.-'.',~:A cn ''u't You h&&in ('('u ii'(M 1»)ii&L» It&(il in ii cxf&ii'c sour&, l)l wsr'i»it iiuu b inkol m&crim & cm tu &vrli&mn &our poinfs for c&st&, tn&vr I nnrl morr. Hccnrcb»r nri munn from y&nir mobik rlr & i(r Tr»i Al'I'I ni !!Ili!S to fr I th& App 1V&rcic»t ft &» ipply Scc tinokuliimmio& cr&rn »cD iccaeycrmm&r I'& ii )i, support& rl & m & ir &u mclnrlc .'1 tli( I AT 9'I, I'rlh&lar One T ylcb&k, VirEin iktob&le I &H I'r llnlar Vr nson IV&rr )ca» Test HTOI'o w&nrr i,m(l Ilpl 9 tnr help to .!I!05&20. 14nk &I'Amrnr,&, Xul, 11r mls & I'I &lib JlettnrMr&noy J1 shits r om - Knrnving tir&ir lo m anny c yuirr mr&ncy better hm» n&wcr Ix r n morc important. Mow yon can I &ke advantage nf fi ve, nnl&is arrl, financial c&lucat&on an&i loot» by&is&rinE uur ncu &vcb»&tc JiottorMonoyJJAbits corn im&rrcntly available in EnEbsh r&nlyl. pirk Your tash I&riel( r1&»il». I'4 nl lmm &l)rai» mi&l&r 9 &1 & i»y. Onlinr or on yr»&r mr&i»lr rim &i'ib check nuf Ihn manv 0 inkhnn n Deal. offcn rl ra ynn. I hrx&ar the rim&I», main ihc pniciu»&.,mrl &br rv&»h Mick Er f. pn& in&u lh& IMnl& of Amet &c i ' ir &h& w&rrl,&crmmt you»elect. L&'aro mr»c at u»wv imnluifa mr n& i rom rrl& il» rm NH) the "!leal» 'con & ~ Mr&b&lc lianlu'. 060 BaltkAmeriCard ~ Cash Rewards- BankofAmerica ~W Visa Signature'ARK A MFSTRESSAT Account Number. ~~~ 4923 June 27 July 26, 2013 Account Information ass 5 Ilikel,&nk'I'kvI ('ln Mail billufg inquiries to I IIII& of f)Ill('I'Ini I'l Ilo&,lq?,'"0 I'?I I'swi, TX Tiy)()8.':!35 Mail payments to Ikuik Iif Amr n(s V.O. Box 150)fl IVII m&ngion, Dl', 1988(MI010 Customer Service' M)04 21 2110 : I Sor)JN(L3173 I TYI New Balance Total .. $5,207,FI4 current PaytIicnt Duc .. $ 101.00 Total Ivlinnnum Payment Due.. Payment Duc Date $ 101 Oo 8/23/13 Late Payment Warning If we do not receive your Total Minmium Payment by ttie date listed above, you may have to pay a late fee of up to $ 35.00 and your AVRs may be increased up to the Penalty APR of 29 9911 Total Minimum Payment Warning: If you make only the Tolal Mi ~ imum Payment each penod, you wtll pay more m interest and it will take you longer to pay off your balance For example. New Balance Total ...,$5,207 54 Iotai Credit line... Total Credit Available....... Cash Credit Line Portion of Credit Available for Cash Statement Closmy Date Days in Billing Cycte $ 11,000 00 $5,79286 .. $5,500.00 $ 5,500.00 7/26/13 .............. 30 crt l:;.2;.'.,eWJ~4~t) ivt~g 4 Previous Balance ........ $4,b07.44 Payments and Othei Credits...90.00 Purchases and Ad)u" tments ..... 740.28 Fees Charged ...................................0.00 Interest Charged.............................49 82 Only the Total Muulnufn Pa)lap&it $ 172.46 22 years 36 fnonths $9 975 45 $6.208 56 (Savnigs - $3,76G 89) If you would kke information about credit counseling services, call 1 866 300 5238. 07 I?) Payments and Other Credits VAYMLNI I HANK YOU D Dcfc Dc&* o( o Fares cc Ccc N (rle N r(r 2079 - o(I (Dfi re(a ' $90 00 Purchases end Ad)ustments OG(25 05/27 IIOMLLAIVO 800 493,1240 8004ci34240 TX 0 8(348 08 7 / 3(JO 00 II'123 BANK OF AMERICA P 0 BOX 15019 WILMINGTON DE 19886-5019 Account Number: ~~~ 4923 New Balance Total Total Minimum Paynient Due Vaymont Due Date .. $5207 54 101.00 08/23/13 MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95118-2325 Fnter payment amount $ CseC( I ew f, S Cf;Cree f C S fms Cd S C(cfmne PMCIC S F(sess ps &fe sifccccc(cfw rc, (c averse. rs M Itn pc sl newt& 1o check p 1 cl. t a k fAme cs L 9 2 3fts 061 IMPORTANT (NFORMAT!OIY ABOUT THISACCOUN)'SE711 Rev. 06/11 CUSTOMER TIPS FOR DISPUTED ITEaltS Xi i»Finn 'h«i oft tt rt»u "m,un is 'ntn&slat!&&&" '.. I!1»I c»stmnc& In& ant I'('co 'n»r » &vm ml»r fhto&rifi ~ i ulm; ti tu&r»&si» ii( mntcnil'hntv(»ii nfxxfr tt»n ,m&tmnkcm&'&yet'f!rtto&; (!seth& t&(put& mihlt& m &«!M'it. 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Ouc»& t»&tnrl for tho(rod&t, ortox&e« t&an«a&tir&n&lot nlai i)ler&k.i(your act!»»»i »Life»»'»fs et)talc ll x'ou at'f'uf 'n&ego&i m Online Bnnl ing. &t )st»)I&'o enroft u msth&.* veharfi!res nnthc front ty&mrst«t mentor neu»ttc; II Please remen&bar: if yon hnd»n err nr nn you r bill, s &m m us tno» fy us no Later t ban 60 dgys attvi we sent your first statcmcnt on n hich tl&e error m prob!em appearcrt toprcservelmubiifingright», ONLINE Onhnc I;nx!»& I &v;Iva&i &t&tc )4 !In»& s:(&i ns 7 t &v»& xvv& f&,n&! ,I!In «'vnu»)»'« I)lou» I »'I:nt. Ic» II)»»1 un''('nu»I PHONE I v u 1.»CG/!66.0616 I» f n&p! . I'I &» I't( acc t& n t't»'lf'Irtx I» t &'vtc I'('I» &nmbf & I 'I .» &it&tif*f&n Ihccbnip(«)&oqu tim&, MAIL A(tn: BiBing hxquiries PO Bos 667SSS, Et Paso. TX 70006 Khtn«xnm, ptw&st met»&fr YourNnmeAccountNumber tbc IH Disputed Amount, Merchant Name, Transaction Date, anrfreferencenun&hero!'timd&»puleditemani! »twiaficdcfs&!arognrihnt; ) our dis&mt&., inclu&hng &tates rtf ( ontar t xvit h thc merchant an&i thc monliinl' ponscnic»cbinstan&v,P)m&«ui&hirlest! uppor(mg Immicnt&tion,mclu tin" af&»nndcruditvoucbermcontraclmul I& )st &ac re& n & n & r& v&pl» as prnof r&t any &wfm n PAYING INTEREST '!Vciv&!!not h»&a mterc. tun!'u&chi c on!bene&tv»itcmrnt (i&&»i psmhi Ni &. I'))inn& 'm&t&ntulft&vlhc !11)mrn(Dncf'Intc md)un(md)»»&tin»i!I l&vth I r( i u I'4) &xxvnt iiuo Date. !Vc w&tt hcg&n cfiarpin» n»erc. f on 6 xiancv'I', nsl&'i.,m t C i. h 4&!vane . on thv tnu)»act&on &intr» CALCULATION OF BALANCES SUBJECT TO INTEREST RATE A &r»go!1ut tfalanccyicthnil(ii»turtm rie t'unhnsc«r! !V*c itcu!«Ir v&'t»»rate Batanre suh&ert fo»n M»vc»t tt it fui purctm. & snri foi cx hinti&»lu(n!tvot Promot&rmi)Ot1tibntan c» n & Inm»li'»i tm»&s W tortu.t&v. 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' n!t& I n TOTAL INTEREST CHARGE COMPUTATION fnt ii ~ illlmrecsacmuc,m tarccomtmund«iona(tait bi is.'R&ilvt&rnnnrthe int»& II'hnr s «*nmttipive'»hBatnnccgnldjccttointr&c ttttt&bvilst&ppt» &fib'fh»tv I'vr&u&i«!M(e ind that i rmntt &s &mitt i pl» it tiy thv number of &faye»n the b&ttnM cvcte. 'I'o &t t &nmvtl&vtotxiinterv tC!&a& (tbrtbehdbngcycfe,xx»addtiml'&»o&licR»efntei'sf &h &ru'« I amt&cr, ) t)mf I'& no(hr t(ate &sratcut&trd1&y(in i tm,&n )nnn xi Pm'&'»&txgc hx gt." HOW WE ALLOCATE YOUR PAYMENTS I:v ut,&ci » nt hi«hit»noes& ithrtitlmcnl 'IP(L,& owiltntlocatcfhonmrinnto('urp nmcnt qu &t &othe Totnt!&!nnmumi'ayn&cnt Oucft (i»!Erne(IAV)( t»xtanc fit»I &n& turhn t ~ in:ict»m mnifc attet tlus stntcnient1 Vnvment;m&ourn« in & secs. ot vr»n 'I t &I Xtm&rnnm th&&mvnl t)iv &miff«; ppbr&ttnl»tan«s w&thh&qhv& 11'B-5& fv&aha!an&cs &th tow&» ht'iiv. IMPORTANT INFORSIIATION ABOUT PAY)(IIENTS BY PHONE x( 5 'un»»'tu'pl( »» t Px hl Phon 't I!I»sit&u &ntt&t »Lv u I I»»tllll'tcvl&'&p 1 mv»t I&'nn&! a» n&» unt 0 Ih&'f»& u»&1) »Is»In(»&& &nett('slvnnf&'ous»&vt »ultlui » t!1&,i&im»nt,&i1&t I!n»tx '0( v u t& p IDn '»I. F&r 1u!u tv ufcclmi&. »naif),x L to& sr vur&tv infoi ma non..y tee max.)ppty fore»path&ed verv&ce. To cancel, cali us br tore tli I schedu tert pm»nant dst&. Same-d!u payment. cern&ot be edited or can ceterl. YOUR CREDIT LINES Thv I'ul, I Crc&t&t Lu» is Ihe nmmmt of credit axe&i ibte ti&r lbe account&however, ntx a p ti n t&h,ri-,»ait!1)t f &1'snkfnsh1&tw&ncr. 'Ib C& h('t&rtitl»1'& tf!I'I »»&»of t»»ml&(1-h \0 su& &'l&n&i. !tx IBnt ( xvti»1,&nc s& n&&of .XI'Xl(hi hd»t,m& ...0 rr the (!&nmt& I ((7!'f'I Cash&dvxnr ., same !Mv(In!mr f'n 5 .i ix, nw ~ (i milmtt I'&rin ctnm('a hd&l),i ~&(LC»«h Fqunat ni» It *tuvnvr(I'aymrn& . ,ux It pf 5 "! t 'I'u& 'I t&»11 '* MISCELLANEOUS I'I »1»&»i &I »ale I nd Da»" It» I»lel, I I I do»»fun» I&t'»le»I cto»15 I'c n& '»I &!or(t um!tu 0 t! * '«»Ll hei!, ' & u& I 'I » nu& I I!I«»1! h I I 'I »I«, n(t " '&xtt»u» ' \»u;»ru»lt,n»s»tt xon& ( &cd C» 1 t&c n«;t 1 I 1('» I xki, v«i.,xt& &itvnun, of 1'!5( uit. cmice-,» i f1 i-»» unt &s &I '(t .&»&i;;(111&I»& I&'& '&t Ilx t I 1 C&I&I s& I& &c PAYMENTS 11 n »it m»l (it»ixm'tit-»« t (i» t &tv i » n t (Iih»vnn&en&( I& i :l&m m xli n&'»& the,ulh ' 5 n mr!i cm t: »» -l&pn& tl&& t&»it I«»& m &ml&t t i(, m n»&!I(»»&t«nba&tin).&!i»:i n 0 . fit! »-on& t.. h»») «tin iiti ri»&»r It 5 It)!L»»lt»1 'l'0&'Is»nit I &)»t'ut »It!&c I( tu urn ct )vr I I ho»lvthc &t'natl in ' f)»ttt n t &on& . I »cuir»t n&»lxl»& lib& '». lux»»'»I I't'I'»I '0 t&»l & 1»tvl . p »I tt» &1 t&m,it th& rrmitt &n«ad(tic»»nnn& if n inctudma!bc P(nmcut Dec ihtc 5 t rhil Ih im &n vt!h, lm vin p»i &ninr« if!!i& r:t I I ftt» n.x& i& I',&vnv n& »mt n lmi ~ I ~ ptionv it!)i& i h& ii ) ~ it&he lite»I &i«pt I n. &!& hi pm &'tiot i & d ttoi a&xvnthirpxxnx nt n»nl» 0:ts dupt N pi mm» lull!pe&&tr&:nl,& m t &ml«tn-tx1& nx'&!hot!&It&vp&&n& x»&t'& ipp&n .&I of&ment nurpm» & Utfi&cr »m-I p,»n& '»I 6( I . ('I»»» u& I»&!.B»h&lu&f snttmx».* n tn» s&tc &on "tnn& cl (n»n& fun&i tx &n f r I » I ' »& 1 &!&m f(o&' qlu& &tl &(II I!u» Iv»1& I «nt»t&sl I I I» \ ~ I ", \» n « I'mx& n»t'!o I I lh'' n&'h»11 I&, I ''I-,,! I »''5 »5& nil»»»tn I ir& ' 'lI n.' vt » p!)I» nt v&ur', 0 & mu In'i&i)»»nl .&«'Ith» I» m - I, I»I 'uit& * I 'x(kt& C Ix . »n' 0& I lm»'X v& t, I'5 n( If vnu x bi!in&7 mt&)re»s or contoct information has rhangr &t, or ifynor nddreas is in cur reel a. it appear,. on tins bt)1, please prov&de at) r orrecti ms bere. 062 BaakAarerieard ~ C-h Rewards. Bankof America ~W Visa Signature" WWW4923 June 27 . Aily?6, 2013 Pape 3 of 4 rmc sclrcc peeler Rererebcs Accus/)I Dele Dare Dere 3pbc I Number Nu«ber Alii il I'olel 06/25 06/29 07/10 07/11 07/13 07/1 4 07/16 07/22 06/2 7 07/01 07/12 07/12 07/15 07/1 6 07/1G 07/24 Purchases and Adjustments THE RX HELPER 888-2334303 FL 0 ATET S11G 4122 SAfy JOSE CA WAL MART 65884 SAN JOSE CA DIABETES SUPPLIES 4 LE 8!I 8800004 I L 36738778800004 CARL'S JR 7046 SAN JOSE CA SAFEWltY STORF00012930 CAMPBEI.I CA 303196140990670 WALMART COM 8009666646 8009666546 AR 647737421XGY28009666546 rTHE HOME DEPOT II1009 SAN JOSE CA 5107 1696 0121 0241 6226 1584 2953 5744 0877 087 I'877 0877 0877 0877 0877 0877 69.95 110 45 15.09 1.10 00 7 23 10 89 18.79 7 88 $ 740.28 07/2I& 07/26 07/26 07/26 07/26 0 7/26 07/26 07/26 Interest Charged Interest Chargeli on Purciiases Interest Charged on Balance Transfers Interest Chargerl on Dir DepgChk CashAdv Inteiest Charged on Bank Cash Advances TOTAL INTEREST FOR THIS PERIOD 49.82 0 00 0 00 0 00 $49 82 Iay .e Total fees charged in 2013 I'otsi interest charged in 2013 $0.00 $169.76 Your Annual Percentage Rate (APR) is the annual iiiterest tate on your account Purchases Balance Transfers Dtrc .t Dcpostt and Chock Cash Ad an Bank Cash Advances Annual Percentage Rate I I . 7 4 aV 11 741V 16 99IV 19.24SV Promotional T ra i isa c t i o n Type Promotional Offer ID Promotional Rate Until Balatice 5ubiect to interest Rate 95,163.46 6 0 co 5 0 cc 9 C CC Interest Chai'gris by'ransaction Type S'I9 62 5 C.cc C QC 0 CC ApR Tip Dclnlcn Dali 'rs r I Rci rip Y-velar Rsu lsi nisyv ryl I A 'ga ey I'a.'ANKAMERICARD CASH RENARDS . Ca BASE EARNED THIS IACNTH .CC BONUS THIS MONTH DO REDEEMED 102.69 TOTAL AVAIIABLE VI SIT BANKDPAMERI CA. Colt/CASHREWARDS 063 You twi& rmmrds pnmts that may csp&n: . omi, l&lraac visit snv& t&nnkof&mcnc& com lo rcdcr m vonr poi &us for cs. h, trai«l anil mor&. Srcnrr lv cnd mnn&v feom vou& mob&le rk»rr Trsr RP1'3 to "OXtb ir& gct Ih& R pp tVirclc s far & appli Hm tunis&l &rn ri&a cnm &mtirrnprrr ment i&or & vt, np&mitt rl r in&rrv &nrludc ttlI&ct, ATILT p'& tint&rOnc,'I.tfob&le Virnn kir&lair, l&S('&iiul»&i Vmr&on tV&rcl& . T& v& sl'tli' i & mat,m&t lit&i 3'orlu tp to d.'ttkt0 ltutk f,tm rir &. h I yt&mlsr I&I&l(''&ck Yrmt &nsh tim'I.&I&at . I3&nl&tnu nip tlc" mnkrs it &asv. Onlmc oroi&your&nolnlr rtc&&r&, rhcrk our Ihc mini ll&nl'M&sr&l)ral uffmc&i &~ yw&. I hno.r thr d&'I, &1&&&I & tl& 'sf& & lu rs uul it&&''st& t&ick &'&a pit& &t&tt& It&r it &t&k r&f Rtnerkv& &'I'&'tht r'I'd &r«'nit&& vo&t &'h'& I I 's&'I& uus'&'&I &1&& 8 b r&thol'sm& n» & om &rim&ls or tap the "fleets 'cr&n u& Mob&lc Bant m, ituttcrMnnoyiiabita num i&&to&vtl&'lo'&riot&&tnt&&"'II'o&t&'tun&1&'& t&et&el'11&s &I&'H'I'be&'&11&u&t &lit&i&ot'Intr,yos vou & tt &ah&'hsu&t&f&'of frcr,nnhtav&ri, f&n immi r&tiuvi&irm tind tnr&ls byv&vtlt&tynnr n&&vail&a&I& ttottnrMonoyffah&ts&r&m & i&rr& ntly:n &it it&t in I'npl&. h nnlvi (Iu Vota riess! I nu&il rcmmrl& ra tell you ah&'t& yonr statctm'nis are &tv &it a hie, unr&nnt rt u&&'anrl psytner& I &luc dt& te 'I'u d & ts& p& rlr v & m» tt u& Onhnc l3an i&ink at imivv butkof&mm'i&'szomfonlinr Irankin„. kind tbe,"to&'n lm&fon yern sr or!unts at&&l ciiek'&'o Paprrlr. s'64 BaltkAmeriCard Cash Rewards. Bankof America ~W Visa Signatures MARK A MESTRESSAT Account Number. ~~~ 4923 July 27 - August 27 2013 Account Information (Hui IM(1ket sin(',I'i&1.& om Mml billing inquines to finnk of Amen& A 1'. B(N 98?SI5 Rl Pano, TX r&Jf)98;.".;I,i Mail payments to: I'ask of (1 men&a. P.O. Bnx 15019 10i)mini,lon, t)Y. I9330.3019 Customer Servkkn I SCCAgtgllgl if,SOf)840.317Y 1 TY) New Balance Total Current Payment Due $6,144.17 $ 120.00 Total Minnnum Payment Due I ayi'he(it D(ie Date $ 120 00 9/23/13 WW Late Payment Warning: If we do not receive your Total Minnnum Payment by the date hsted above, you may have to pay a late fee of up to $ 35.00 and your APRs may be mm eased up to ttip Penalty APR of 29 99% Total Mmimum Payment Warmng. If you make only ilia Total Minimum Payment each penod, you will pay more in intern t and it will take you longer to pay off your balance. For example: New Balance Total ...,$G,144 17 Iota) Credit Lme.... Total Credit Available ... Cash Credit Line Portion of Credit Available for Cash .. Statement Closing Date . Days in Billmg Cycle $ 11 000.00 $ 4.855.83 . $ 5,500 00 $4,855 83 . 8/2//13 ........32 Previous Balance ...............$5,207 54 Payments and Other Credits........-122 74 Puicha*es nnd Adlustments..., 99&J.57 Fees Charged ..............................0 00 Interest Charged................................ 59.80 Only the Total Minimum Payment $203 48 19 )&'ais 36 inoiitfis $11,502. 24 $ 7.325.28 (Savings = $4,1.76 96) If you would l(ke infomiation about credit counsehng services, call 1-866.300-5238 r(o cocoon poonng nn(e ence Dare Do (o once p( (v( I('oo( A oin(( (o(o 08/22 08/2 7 Payments end Other Credits ONLINE SCIIEDIJLED P'(TML&ll ORCIIARD SDPPLy gG&J1 SAFI JOSL r.A 4923 3.( o 9710 4923 101 00 21 74 -$ 122 74 4923 BANK OF AMERICA P 0 BOX 15019 yuILMINGTON, DE 19885-501 9 Account Number. ~~~ 4923 New Balance Total Total Minimum Payment Due. Payinent Dur: Date. .$G,144.17 120 00 09/23/13 MARK A MES) RESSAT 1455 LUNING DR SAN JOSE CA 95118 2325 Entei payinent amount 3 M, (((inc (p ~ I ng inro r 1 kp I sic( pock of Am& t(9 23iR 065 IMPORTAIVT INFORMATION ASCOT THIS ACCOL&NT USEB11 Rev. 08»13 CUSTOMER TIPS FOR DISPUTED ITEMS Many I& rsdis, .i r Ichp gvs Jre':-otic itr &I.trp )that i is&: mcrsn a& rrot» (0 rtU( ; lint&'nbl'r Bvto'r 1st'I 1)q, d &&1 aft' \ i &or 1""r 1&ii, ',, ) &rod uli 1;,I&ill& like qi"!&ciisaimlcr ~ "p.s)kd yo,i,ll 0'1 11&&,,irrrtl, )&&i 'il )villi ill", id& tlclm)t')0&i» lir ,"; ipt n& t»lint siren& ni ~ Nas a &redit posted to yoirr acco&)nt7 t'lens('Jin iuiiio Dd.ls'i )ii;iic \N ynu rvrkivoivncsor icriiwtiovc v "i,lrnpt 'i'i I in I ."I bn i. I I 0( i' ) ~ Is the charge or amount unfamiliar? Chc kvi!I. r tr, pe son&IN tc itv I;rp 1 il e Jccnur l'.oivikr sivv I'xv lidn&tmak xno&iil!S ' I'ds 11 tlc'o lb Sfv! 't&l 'I& ldi (Iidfg(' if& l&ICIP I&ps !&Sr )vaytolnc(k!Oi!r c r(!sscrmv;,& ',ui;(Ir )ckt.'s . N lmi vlymvai')i& I; talrJnrrusnnlxm fyoi Ji in& ps ilkxl i OnbneBanking it&se'ni mcnicffi sngtlr'nl'L Jcloir as on tl e !iont nl! Oi&r sr)tenir nl or vrvv de d call Please remember. If you find an Poor on your bill, you must notify us no later than 60 days after we sent your first statement on which the error or problem appeared to preserve your billing rights. ONLINE !1 i& I c & Ji I illy S a&1&l 8.'l 'Ul i It'y 7 tl TS 1'vl'('&fmn. »01 !0 viv S .I - i)"0 r: v U )l' iw &i, 1& ld liini PHONE I 866.2660212 )) !Oii)rorrpi wvirr pksiw lvn 1)i i &vi In"t.rf r-r'. Cs iN ('-I t) «;I» fni tlmilmrpe )i dircir MAIL Attn: Billing Inquiries PO Box 982235, Rl Paso, TX 79998 &A'hvt. Pn tvig pleas&. i dud, your Name, Account Number, the Disputed Amount, Merchant Name, Transaction Date, and reference number vf the dnouted itc m wid sp. nfir r!vt)ils t( gprd , ip your cisonm, inclurlinp rl)lvs Of conlacr wirh the n mr& hain anc t'ii mvi clwnt's ivsponse,ri ear h ir . &NiN Ptcasiwilcl ldp lq )Up 'l l'ti&1, doc&lou tio'.Ifif), li'l In&nasal(a 0(i c N'll vou(hpi,cell&i &tamlpo!i,p rvlultlmcrq(s& f)m(lcl i&Nil '0 PAYING INTEREST wr wiilnot iwigc interest 0&ni ct Js sllilhenext tin ri i&I youp&y ll. Nrs Bmdl ce lntaf in fug l&y it'e najnicnC iD ii D, (C) an I yc 1 had V &ic n t&y! V t'&a Pmyi &US mymCnt Duc !A&ri We &vic b."8&) ct,irmrp intr i st on it lanre Ir nslcs."*'0 C) h Arl)pncr s cn t'he I . rv ) !ion rli". CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Aveidpv f)aily Bala"ce llvlhouidicludv&g r n Pur( i. &ml li<oririctoty or I'roird)lrund, Dff b. &Jnrr & ui 1»'ng oi I'uiihdses We llo tlt&s by I I I rdc& ldiinp ) d)ljlwli ri ': v)&f'dy r lie!ilk ig 7 c lp!)r&dmp )ll dmcdilynatardpstogr tlir anc !31 dwJml;hvsuoinf rue lm&7 Iwsm(r soy menu)0, r of In!sir;thr brio&gcy&( foe)l ut ri thc JJ&ljl adn I) ")ch Id:, in!I & s'arvr irm!3 I) ' v, vclv wc r1'ake thc the prov&cue navs de Iy balance 131 dddn purcnases ne&" Ac(0&»)t Fees,and ipi Transact on 'P S, ll I ldl .: i' 'P&)&lf iolc .V& r'il'Cl rl'i & '('ill& &N'0 (&Vd'j bc,. ii C &S Ir'SS ilidfl 71'&0 )'(' i!B)I It ds 7vl'1 I'&vr) i3al n(PIAPU)od1»&&id&ngr vsfs&ldmi frdrslersdnrlnrv Cashgdvdivrnf We calcubte epa Ne Ra&arras S&4!cct tot n Interest Rale Ini 8 lar r.e Iran)",is Cash Advances, and for each I ) trodumoN cr Promnunnal r)ffei bald)cc oivsi. ting of Balance Tr)nstr rs or(act I!dvacrv. IS" rlnttnsb»! I i 'i tat ny, -'ndi&b:ldn v'.r caci)J 7m tt t: stnlements i, ti) i&iiiisir; )r dnt . N. I r, Jrv m«l ",,;;, Icmilist",pmisipn't ~ & r i ):I is I TOTAL INTEREST CHARGE COMPUTATION In!east(h*igesarcnip ir rt m c.inliomirl rl;xmrmiy I ) is To!I rerminr rnv incr st f'hvrprswcmiltiplyr ) I Balan csifs&t to intr* r-: R)tr by ls))pli(ab&vDaib I'ode Rmc. an(It&la!'rsclt tvnx)I(iplredbi th. r urdxr rp 1)y, nth I n ) j(I" I Ii tvrrr r: ric)nra'nieis! Ctiarge foi ttie billvig ycfe, vp add the Per *rv Ibre I inrcst I!iargrs tngpvir r A'Jail; periodic Rate i«Ale ulat: by crvrrln», an Anv i)I 0"rrd tagp Ratr t 1 sr 9 HOW WE ALLOCATE YOUR PAYMENTS Pd1'nidvimdIPd !OCd&PJ lo pcs!Ctlbl Jf&(r) I »! U'r&0 I 1 ilds Udlal 'i;I d ff; rn Ai'ls v nil allo ate tnc amount of your)din r i:& N I tnt'ir "«all!mimu" i "a& mrt I.c; pl J lny&CS! APRb'anCCShrS!Nr&rkrling;r»saCt Omrid(Carrvr:I iS mar *mCr t'')yr irmdm(un& rnrdress,tyoiir Totd)stnim 1m papnrt&t D&ciyiqbc Jpp'i:!In hvin(men't I'due ra!'R be!nip 'bi &a'1(cs w'th ulvcl A Rs IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE Vjl'Pi) IS&i P &'lc opli&rld' j!)I'lmc'&'I(" '.'I ',n tc !'!Sllc Cl'; ''" 1)( f 1!r le& tfrnmyourarcotint Jr i'Ic mar&c,„'Ir .Ii ui'"yoii cop &.u you "mrram mountandlaypngofvachpaym(rv. tr&ryou&prop(&mr wr)naia&trois &ii'.I "i',& rvlici& fee may apply for expedited sei vice To i are. I cag Us tiefoi'hc schedir' pa»mern d '.. Ssmc day payments can lot be em ted or can& r lcd YOUR CREDIT LINES Il e lordlCr & it! wist! r,ln )c,,orr, (! !.)v& .)I ' r',r: J&rni N &or '))&tab!r lorn)r i! &sf&Adwu&cvs Cr,"'CI!I ".. I C)v) »&I;".; ';,". ms, i&''M(, 1'lvv" cNpr 0'r cour&trv!Dlf''c)sl's &1'I'irrs sue Is)!D &Pc D&'ll:"'in &t')&«lrnit "cl . CashA&N)ncrs C shfqc")airi1 Wmnv:.O)vn "" Ji 1 0) (Jid';"n!,(vier" MISCELLANEOUS St 0 i.ftl 'v IN ronipl&&(*lire,v I,, reit ms 'oui, 0 d rl &7&m,:I . &I) ill!sr i" In PAYMENTS If your billing address or contact information has changed, or if your address is incon ect as it appears on this bill, please provide ag corrections here ord" Jnd,'::1&et&inn)r Nl i- crvpl rmv;.-0 ";',td ( v Bar rppcrucnnf-oui *ltatemert 0;ot,s,,n C)tie. Add(0.s ' I c I 1 BankAmeriCard Cash Rewards. Bankof America ~W Visa Signatures ~~~ 4928 July 27 - August 27, 2013 Page 3 of 4 lie I'rl 4 Fc. 1 IÃlac'. Ie Deer pleo ,Ve III 14 eel I feral 07/25 07/29 08/05 08/23 08/23 07/27 07/31 08/OG 08/24 08/213 Purchases and Adjustments ¹HOMELAND 800 4934240 8004934240 TX 0 AT&T S14G 5909 SAN JOSE CA ORCHARD SUPPLY ¹691 SAN JOSE CA 0805069102757114082813500 WCI WVCOLLECT&RECYCLE 408-283-9250 CA 09751405082313 HOMEI/IND 800 4934240 800.4934240 TX 0 4636 5795 /110 2606 0877 4923 4923 4923 4923 390.00 110 93 3B.GG 69.98 390,00 $ 999.57 08/2 I 08/2 7 08/2 7 08/2 7 08/2 7 08/27 08/2 7 08/27 Interest Charged Inteiest Cliarged on Purchases interest Charged on Balance Transfers Interest Charged on Dir Dep&Chk Cashildv interest Charged on Bank Cash Advances TOTAL INTEREST FOR THIS PERIOD 59.80 0.00 0. 00 0,00 $59.80 Total fees chargerl in 2013 Total interest Charged in 2013 $0.00 $229.56 Your Annual Porcentage Rate (APR) is the annual mterest rate on your Brcount Annual Percentage Rate Promotional Transaction Type Promotional Offer ID Promotional Rate Until Balance Subject to Interest Rate hlterest Charges by Transaction Type Purchases Balance Tran. f r. 11 74SV 11 74SV Drrect Deposrt and check cash 16 99sv rdvances $ 5,810 18 $ 59 80 0.00 8 0 00 5 0.00 $ 0.00 Bank Cash Advances 19 24SV 0.00 8 0.00 ABB 1 lac D la mo 3 0 uy lnle esl Bsie Type v= va Isola Bate !rale may varyl BANKAJJER I CARD CASH RENARD 8 9 78 BASE EARNED THIS NORTH .00 BONUS THIS HONTH 102.69 REDEEHED 9.7t! TOTAL AVAILABLE VISIT EANKOFAHERICA COH/CASHREWARDS 067 Yo&& have inr&&rds point~ Ihat &may@st)arc soon, pica&& ts&t inisr l)mkofimn'i& a corn ter& deem yonr points for cash, trai&l in&i mnrr. A. of Oc&chat SOI'I mcrchanrl&sc ai&ii no lonr n h(,n i&labli as n rr rlr&upt&un opr&rm You ii . I&li hr able lu neo your card to Immh ave rn&vrhamhs& at nny rrtmlor nirn po&nt r&n iha& rmomi&tir)n snrl r dci ra poin&s tur & i h &oct'fsr t vier putvtm w ur e&h c uris ot I& nci. In mhii»on erma( rcdcmptmns u&il br, un(i iiishk'ies(ocr avr r\ upi!i»n oiu'u 1& I &na i&'d &'&rk &i&ti» us(l& iir» &iiik u s&r&ipk &'n! &vis&r& itu)y&iit ivdl t&sic err's&oi » iari )&i »ion Sitln ni it arias Ixinlo)la&1'I'a'icun& &use«'.sic&»'» ivuinu, tnd.rivet 'i!rivi&'rls niic &n &1&utv. »remi tv a&nri mann I'&om ionr nmt)&k (lvvi&r T& at tl'I'I iu'!!(Ii!&I( & Ma ih Apt) IY)art(s. I& .: ppty Src l&ankr&lsmn&nmmi'arri&era( rr& nant I&urn st, suppr)rtcrl rarners ancinrl&: AS&et, ATA'I, C& iiuiar Onc, T Viol&tl&s Y&vga)i I'I &b&le, Lib I'cllular Yr vv&on ty&rr less. Teat STOP to cancel ami 1!BLP fr&r help to :.'?fip)BB B,&a&k of Amcric,i, shA. Mrrnl,n I&l<k I'art& Ynnr rash tm& k drala IMnkdm&»ii(oils& nmlu s it »&sv Onlm& o& m vcnr mulnh rlrii& 1 rhr r k nnt th( nuany B ankAmonitr its ollrrc&l tr) &mr ('hor&sr Ihc de als, n& ikc Ih('nn('h&is&w a&itl &h&'(&isla ha('k gc&. Pul nuo &ti('4&ik ul A)au'&'a'i &'I '« air» &i&'(s)in&l vou seirrl. ! iarn morc at wssv tsmkofarnenc i (omirlnais or Lap tlu "l)eats" aron in iViubilc Bankmg, BetterMonoylfsbi!scu&n . Knowing hmv tr& ms&»i pc ynm monra h(&ter has nevn hr rn nioro impn &ant 1 ow you caa& take sr!vantage of f& e&, nnbiase&1, Bnanciat educ it&on and tools f)y i&salt&&g our nni ivr hsitc BettorM&mcyiiab&ts &orn &currr ntiy availst&ln in Kngiish only!. ftr& I'ipcvirs.! Bma&l rvmin&lrrs Irllanu ivhcn your stat& mvnt. s»' iiialdis smouu& &lur &ami pay'ment rinc pat&a To "o Is»&eric(a crnoll m Onimv Ftani&ing st aaaasv lsuikofamerinm om/oniinctmn tung. hnr! the grrn& Ir,if (m yrmr a& count s a mt & hck Oo Ps perl& ss '. 068 BaitkAmeriCard Casr Rewsrii&n BankofAmerica ~W Visa Signatures MARK A MESTRESSAT Account Number. ~~~ 4923 August. 28- Septembet 25, 2013 Account Informet&on h&wi h,&nkr&fimr rir&t (om Mail billing inquines to 8,&nk ril'mr nro I'. I lb&t,)33 "lf I'.I Ih»o, TX 79803;721, Maif payments to Beni ufctmr&nc& P.(J. Box 1501 9 Mrilmington, Dir 1(1386.3&019 Customer Service. (8(x). C(i:(n 0 ( I AIJC) lq (i.',I I is' 'IM) New Balance Total Con ant Payment Due .$G,461 23 . $ 124.00 Total Mmnnum Payment Due Payment Oue Date $124 00 . 10/23/13 Late Payment Warnmg; If we do not recetvc your Total Mmm&um Payment by ttie date listed above, you may have to pay a late fee of up to $35.00 and your Apqs may he mcreased up to the Penalty APR of 29.99%. Total Mimmum Payment Warmng. If you make only the Toiai Mm&mum Payment each penod, you wtif pay more in interest and &t will take you longer to pay off your balance. For example: New Balance Total ...$G,461. 23 Total Credit Line Total Creclit Available. Cash Credit Lme Portion of Credit Available for Cash. Statement Ciosmg Date Days m Bilhng Cycle .. $ 11,000.00 $ 4,538 7 7 $ 5,500 00 . $4,538 77 ,.9/25/13 ...29 Previous Balance ........ $G,144 17 Payments and Other Credits.... -120 00 Purchases and Adlustments ... 376.78 Fees Charged............................. 0.00 Interest Charged ........................ 60 28 Only tlie Iota& M&tun&u&r& Pa)'n&ent $ 213 98 20 years 36 months $ 12,141 7? $ 7.703 28 (Savings = $4,438 44) If you would hke s&formabon about cred&t counseling servtces, call 1-866-300-5238 were voce A& oco& &v m(e 7 'e& Paymenls and Other Credits Oq/?0 09/21 PAY(vlENT THANK YOU 2106 - 120 00 - $ 120 00 BANK OF AMERICA P 0 BOX 150( 9 VYILMINGTON, DE &9886 5019 Account Number ~~~ 4923 New Balance 'total.. Total Minimum Payment Due .. Payment Due Date $6,461 23 1?4 00 10/23!13 MARK A MESTRESSAT 1455 LLINING DR SAN JOSE CA 95118-2325 Euler pa)i'ner&t an&ounl 3 c&wc& r&c e rc & o charge orms rice ed& e s o phone n & * k e» p&os*oper&ec eer recto sec(cere esca 'e &V&e & th c coupon I he th your check payable t 3 k & A c«* t 9 23(is 069 IMPORTANT /NPORMATION ABOUT THIS ACCOUNT USE811 Rev 08/!3 CUSTOMER TIPS FOR DISPUTED ITEMS 5& ri, ir -disp ilr»&fm pcs toieg tvratr Ll wg slhdl&uct &tli('rs 01'&nr I erognizi' mir;" I r r 0 Rcncpllinva(barge vr'ri or ir in J lf!mvnuvc i';a tee innffcalnlr i'kc e"„ivc 0!0 I)put((! I' ien! KIV&:!"«I lii: ni r I!a i&( rnsve:;uir qlx Jic 1 lr"I,"'..¹Iil vos Jislxtr. Iliclucirf! intsrx!,rermi dr" i acl«aimiur your cm, r;r 6 Il r)g .,I, I 0 0& r I ~ Has a credit posted to your account) ixvr 't': ':, il&& r. 00 \1 'mm 0!0 d.&! 1!Blur(rcolt vourhc. 0& I snow&co&le'i r n, Irr(' fs the charge or amount unfamiliarf chc&I v i I o I r p"so)sai I o ize»leusr dc rxmurt ton')ke'urethryrlidnntmdfm hi,;&o ul/r* dwl h& rnei I,n! 'I'llrp&iin&esan! 1!Oie amr sar..l ftrlr rxr ,10', I'0!1 'CI'dslq& flL & 0 Ifl sett W&lh 'm Iar &tl!rg«. )r &rxludl t lo &! ic)„u I '& "0k t&, tl¹c r !'ism "cv'(')1 &'arl 1! (&Id!'tv'1 ',I &'rl'll dly or1r 0& I! i i: s r firn lyoi aienr1&'ninllcrl i DnlineBanking nice)) toem..tlusitigll & «&'b drlo& oc ss II 0 i& ont:&."peur state mrnc or pve us d call Please remember: If you find an en or on your bill, you must notify us no later than 60 days after we sent your first statement on which the error or problem appeared to preserve your billing rights. ONLINE PHONE 1.866.266 0212 )) r ci 'ail rl I '.:.lv & pl& lsc Is!(x I «&nvi cia I cf r rxw ri ~ 8 c ( I xd I ! kI)3 MAIL Attn. Billing Inquiries PO Box 982235, El Paso, TX 29998 lisle Your Name, Account hlumber the Disputed Amount, hier(hant Name, Transaction Date, and reference number uf Ihcd" x Ie Inr nldndsiKrilir r!Ctails,rp)nfin your&'i)out(,includvlg dates ol ron act 1(ittl dw n c&ci)dni drir tli lx i(hant's rr sponse in &sch ir stance r&lever! nclurlc OI sup x rt ~ !g rlo un &en:a'.&00, in: &i&ding sales wxt crcd&t mu&h, rs &rum&&dr d po)L&ge rrulrn& «&is!.) Non'cior i re&L ns PAYING INTEREST 'N& v&ill K l ('xdgo inlet as i 0 !Ou cl )ses en! h next staten Lnt i! yo(i pdy! Iie N *I& Ba an(i I otal i i Iud I; ',I 0 ndl sinn (3&re Dms a icl you had o&id In fc'I by the pmvi0 is isay ment Dur* 0&lr VI" m'cp i rh lrnrg in!ei est on Ra!ance li )nsfo s a xi Cssh AB&ancas cn l'l r liana!r io i di: CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Av& dye.'is&If ii)11 xe Hethnd I n ludlng nc'v PilrchdmN iq" «,I'«.r: s«p:& 'lr Bd'air.s5& hgrlladrliru'i "sr Rx fo'As&bliss dr!dlrli ca&I liilrOr uC,Cr) xi&'rOr dtmria'Dffm bi!anCernii»s ingafPur ha e) WeiiOIIVSby ill(akuldi&ng ;r;k.lvlmllic; ':.rra.l lay r: I ml ding yclc Qldddrngatltti dvf, '&dian«s'.ogett&cr ani'I'.I Jirv;t)c „in ol (bc iaily bat inces by I'1& nu;nhcr of I yc rr: In» bdl,np. rye 0 o a&mid&ct'&cdddybda&xi forcacl rfly n!m s:)rernrr t'sN&tngrvcic vie il! tike thr 0"m '!dr& l,i» ain) &r'1 eqild t" 0 edppllcabl 0''I Per&odK R)IC rlx!Ii! p:J by 0&c pic( 0 1 cav 1 da fy be!ace igl add ne 1''urchasec ncw/ccount rces, anu,)m &;,nsam on LC"",V"I I! C( 0'r!&l )PPI&r!bl, S&vrrier t)an l(re hiS I'vnl d dy Laidn ic li*« ih! NrOV&.'r ra",. 'mfa v & hie nod (imludmg rww 8 !lance fr nsfers anrf nr w Cast! Advdnrrmj Wc calcul &te scparmc Balair s Svbl act to an fnterr st Ra!0 foi Balar ce Tran)le s. G)sh Advarto s and fo; each introductory or Promounnal Offe bNanre consist mg of Bafanr e Tmnsfr rs ,", (dct ii lscixv= We (fo dvc b) ill (alculatrng a daily 4 lais e for earh day &n tf is sl Il'indnt) ..k„',! iq, Iv!yiil 0&el&red hd vp ur lot!v& 1! Icr&c t. Ln; cs Ic 'cu, d „ I'w, .:.«";. -,Ipr& (I:I& bl&an« c d palo&r ! drlcl&l ui,li, 0 (h) ( ,)r* sr;rtdlr)i 0 &0:In smrer rr Is laiingryrlr bur wili) I pl)( ngd,.lew'" 0 ic ~ I. I ig,) 'c, I!1&ldir,a)&It!i »si'vhlanc Iog, sc; xn!il . &&dmg:I!c .. n& f ) ir C C, 0 C;( OLvl nfdayl le 0« t I &1&enl)l'&!hnk 'f." ux:mvm «''orear.no /m I &c .."Lcnc-('si'&I pcw! I '"ml, LP''&lsnrcs.mddxsreli(c fir)ncacuoni .'c vti clef' TOTAL INTEREST CHARGE COMPUTATION Inl "0 IL!1 rpes don & dr(ldcc& mf)ounrlvdml .ndilyt) ic lcd.term&no tnt I lter st Cf;&gcs v c r x lt nfl ca I& Bdlwi c ',ii»ccr to ln!r'. & sr Rare ny its Mpmablr Daily Pr rod c Rate ar rl rhal &x& 8 ls nwl!iol cd hy rile ndnihc& n';Ily i lti h! rn Orle lbdetr rrr &rr l«r Ktai In ei est Charpe fol I'w 0 lhl 8 ydc so»Cd(lie I'c&mrv Rale In!Oie! I Oiarges &operier 8 Dady Pcnodic f!ate s alrul io '»,;.vrliRO!iqnrm!Imxcentdge pate tn'(') HOW WE ALLOCATE YOUR PAYMENTS I& yine! 1 -r d»o( i!V&I iu posiir! ':i!ance) it youl !cr aunt i&as oalai " wnf' fteren!APRs Vr V&d ihuc!Ir 1iC¹ rvn: c),!OC!nCX(qidltOI'iC stallmrimunPW, rr Ii)!&& lutt)0 r t Al.«b. Or.ec «&Ct IVV lml&ng 'r¹S)Ct On rlcrv ll",C r ',I &S Smrer &001'W&nlrnt drmuntc &n c &cv, f;0 ir Iolxstni n& rt-I' nrnt 0&e( igbc at)sic(it& baiiix swi t.i)igl &rAPfts IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE &A!'L'&I! (v'8! I 0!Kv& 0' y LI I 1',. !0&vx 'lcl 'dd'&x ":I' 'I 'nit&' rf(&«0'uc pdf .i r tir rn Lci r i c urt )! Ii c!inane 'n strutt nyoii f;,".dt * Ylil rlu I &tno iz thr &uu 0 I'8 'I !Cl'I vd ' )I'lx . I ) )' u j¹ e «00 I I &VIII: 0 sl'I urn)' ll In&Id&lot& I !remlyapptyfcrwpecilr;!sr ivlce To ani I callusbefo& tires(i)eduledpaymenldd!e Lame ddy pm/rncnis (an&mt br vnltcrl 0 u)ncr lcd YOUR CREDIT LINES ur-"„r.k!..I im:, rr rvd'& B&skf &v&1((vl ccns&s&c:(&lail»tas«A&lvanrrs MISCELLANEOUS PAYMENTS & '&r' &vv&s 'I LI ) !Iou ' I al 4 I I a) I I '1 &!0«010( d, ' dls &ill ,* ''-:1 ccsl 'in "0 rr r&i nenvcinp "«is no r!hercnihdrre porli nor;0(& starener I nlo s, u I Iv &" ls &e'L Ie'& I'V I l,d aqC& 5 0 &&1 x' I 0 I I t)" e nuldutl dd x('1 r 'I &-Wz nvul fhlc l'six.: n It'" 0'n& u!)e 'nvc 0& „!& n' 't!( v& 'I (n'\ '1xfv0, 'fin& Cc&l!«I 'I('u 01001'«&"! Rl&&'c u!\'bc Jell&!x .») Ll. yp,""Cecc &r 0'ludlcniru I CCk''Ie(&' I'C u&Y b" &.'d; l 1' &'& I-lrl' IOJ XI &I r('0'f your billing address or contact information has changed, or if your address is incorrect ds it appears on ttxs hdl, please provide aq correct!one here Add!css ' Lqc" P In 070 BaakAateriCard i 0-n Ressidte BankofAmerica ~W ViSa Signeturee ~~~4923 August 28- Septeniber 2b 2013 Page 3 of 4 imr. Pin 1 Posing Dere Daie Dccc Riel Rerpien c !ill PCCI Accninli 6'nniacr Au1 1niar 08/26 08/29 08/30 08/30 08/30 09/02 09/03 09/08 09/08 09/12 09/15 09/18 08/28 08/30 09/03 09/03 09/03 09/04 09/05 09/09 09/10 09/14 09/16 09/20 Purchases and Adfustments THE RX HELPER 888 2334303 FL 0 SAN JOSE WAIFR SAN JOSE CA SHELL OIL br444501408 CAMPBELL CA Argl S116 4122 SAN JOSE CA LUCKY ¹757 SAN JOSE SAN IOSF CA 062093G07 17 V1 RY 7003258261 SAFFWAY Sl'ORF00009977 SAN JOSL CA 4G3245258579202 DOMINO'S 8512 SAN JOSE CA CARL'S JR 7046 SAN JOSE CA I UCKY ¹757 SAIV JOSE SAN JOSE CA OG2093G0757V16Y7001664547 WAL MART 45884 SAN IOSF CA WAL-MART ¹5884 SAN JOSE CA DOMINO'S 8512 SAN JOSE CA 0212 8707 0699 0963 4923 4923 4923 4923 123.5G 40.01 9 25 21 42 0376 4923 15 22 4981 3846 2786 4923 4923 4923 8 69 5.44 14 03 0655 4242 4012 4923 4923 4923 22 I'1 37.81 8 G9 5079 4923 69 95 $376.78 09/25 09/25 09/25 09/25 09/25 09/25 09/26 09/25 Interest Charged Intercsl Chaiperl an Purchases Interest Cliarged on Balance Transfers Interest Charged on IJir DepgChk CasliAdv Interest Charged on Bank Ca li Advances TOTAL INTEREST FOR THIS PERIOD 60 28 0.00 0 00 0 00 $60.28 Total fees charged in 2013 Total interest rhaiged in 2013 $000 $289 84 Your Annual Percentage Rate (APR) is flic nrusinl interest rntp or your nccount Annual Percentage Rate Promotional T 1a 11 6a c t I 0 11 Type Promotional Offer ID Promotional Rate Uiitil Balance Subject to Interest Rate Interest Charges by Transaction Type Purchase Balance Transfers Drrect Deposrt and Check Advances Bank Cash Advene s 11 7ASV 11 7ASV Ca h 16.99SV 19 2ASV 66,462 64 3 0.00 0.00 3 0 00 660 29 0 00 0 00 3 0 00 Apn Typ Dcf r icon Deny interest Rate Type v= venable Rate nate mav yaiyi 071 BANKAMERICARD CASH RENARDS 3 77 BASE EARNED THIS MONTH 3.61 BONUS THIS MONTH 00 REDEEMED 16 16 TOTAL AVAILABLE VISIT BA))KOPAMERICA.COM/CASHREWARDS You hair rr iinrd. Ix»nia ilmi in iy cxpiit sor)n, ph nav Mtit iisa h mkof nncr&r i & om In rcdrum you& porn&a I'i» rn(h, tv n«l,m&1 morrt As of 0 i &lim 301 t m& rrhsnilisi aiii nu irma& r lic imd«hl& aa i rod& mption oi&li&m You il i&HI ho)hlv Io na& ionv ir6 Io purch, ~ i mvrch indi«,it,ini ri't iii& r «r n pr»nt( &m tha& rruic iclionSuni r& dr& rn points I'or rnsh to r&l'fsr't your perch)art or E)ft v&1&I( r&v iinvr I in«I&brim) rym & rr 6& n»i&i n. i(ill tx »i)i(nil )hi u Iiou ir&, a &v opdiii»1&l ou& &ra& vl it»i)a'da I& dc»&St)on a& l(sits to &nabs n an»pic& uni clan & sad to&indi h u& E«)u & i& ii& I s&'hxl&uo S&L» »1&t imisv ha nkofsm& no& & om to avce)s yon r a(count, smt 6& lect "Its&var&la 'o k arn more. BotturMuneyiiabite ct)n1 I)nou'ni heir ton»inurn vein'»10»cy bvttrr Ims never bern mr)rr impo&'tant Kowyon can takr.,»hant its of I'r«, unl&m(&d, fmammt criucsl&on snd tuuls hx ii, irmE ourn i «Tlmtitr fiotterMrmeyilebitaoom Icurrcntlv iund il&lc m YnEhsh unly), 072 BankAmeriCard i 0-h Rewaim. Bankof America ~W Visa Signature'ARK A MESTRFSSAT Account Number ~~~ 4923 September 26- October 26, 2013 Account InFormation 11 s 11 I) i if kof I II( 1'1'i( I.( (1n1 Mail bilhng mquiries to Rsnk cl A(apl'uv( P.O. Iinx!)SS"i? I i .I I' so, 'I'X 79!YXS -'2131 Mes payments to Iisnk of Anipu(s I'0 Box LiCLB tyiltmn-lon, III', if)SRI).310)0 Customer Service: I ACCPI'I)illa il80084FL;I)73 ITI') Total Mmimum Payment Due Payment Due Date $ 143.00 11/?3/13 Late Payment Warning: If we do not receive your Total Mintmum Payment by the date Fisted above, you may have to pay a late fee of up to $ 35.00 an(i your APRs may be increased up to ttie Peiiaity APH of 29 99%. Total Minimum Payment Warmng. If you moke only the Total Minnnum Payment each penod, you will pay more in interest and it will take you longer to pay off youi balance. For example. ss,sglg: Lg~ New Balance Total $ 7.28(J 62 Current Payment Due $ 143,00 New Balance Total .... $ 7,289.62 Total Credit Lme. Total Credit Available...,. Cash Ctedit Lme Porlion of Credit Available for Cash .... Statement Closing Date Days rn Billing Cycle ....... $ 11 000 00 $3,710.38 $5,500.00 $ 3,710.38 10/?6/13 ..31 Pievious Balance......$6,461 23 Payments and Other Credits.........-124.00 Purchases and Adiustments....... 881 07 Fees Charged....................................0.00 Interest Charged ............................71.32 Only the Total Minimum Payment $ 241 41 21 yeais 36 months $13./80 // $ 8,690 7(1 )See(figs = $o,090 01) If you would like information about credit counsehng services, call 1.-66--000.2388. 10/?? Payments en(t othe( Credits PAYMFNT THANK YOU 2131 -124 00 -$ 124.00 4923 BANK OF AMERICA P 0 BOX 15019 (NILMINGTON, DE 19886-5019 Accoui(t Nuiiiber. ~~~ 4923 New Balance Total Total Mmimum Paymeni Due I ac(if(crit Dii(. DPRP ..$7,289 62 143.00 11/23/13 MARK A MESTRESSAT 1455 LUNING DR SAN JOSF CA 95116-?325 I fltpl pa(nlpnl 'uno(iiil 3 Flea spf (Os ffc p fcc ('hc spprs(sc Ms 1(he po I 4 ti 1* cheer psyspi t e ksf Am cs L,9 23td 073 iMPORTANT INFORMATION AIIOUT THIS ACCOUNT USED!1 Rev 08/13 CUSTOMER TIPS FOR DISPUTED ITEMS kNnyti; me«op n Iri&. 8!Vdidkditi& &tr hd!:,'1!t&dt«c! me in as i I & n nize : I I"&ne i!b! I I\et& 'r' i'cpi lir',, & I'iirfc I ( '&in& v'. "d tud! &«u «en'; 1 '.",. 'II Im; di i&t t & 1k« rNt'in c a nil ';c ':,: 1 &t&ri 1« ui J 1&& .t( 0 1 n.'l 1: u :, - n. :!.c" , , 'i& 8.& a!1 J r.r'.ii,r c"i a&t nr b&II ng stdtmnen ~ Has a credit posted to your account! II'"('1'I'K& i&f1 in tiddrnne nu&. «'!n &C!CI'm&1& 11&l &'0 *K nniCn&m!' ir«' ;nl I &n '!«I tie 1. i '& In& II("! ~ ls the charge or orna&tnt unfamilstr! Tr&crt&wet. 0 I &- pe sets 11 I'.mz11l,,is «ca(id rr t I" nmie nre ih 1 rsrl nnl &roke1& lou& &B t &I !Cnd')c t. It! &eCI '!tin;n I (l&dfgi.'I &'Id, r!C'&PC U I! w&; I o t I mr I' c i tl c c c I ic c i I 1 ( n I ence&! ic I do c *. *.: ': )! -I;;" d && .,Iaiivnemsnritine fyoud& not r irolt &I i Dnlineganking rr i o&B t rni.<-r 8!«&nvo Jrlo& esc an rhc && c rii s'cur state&iem .r Nve u. a catt Please remember: If you find an en or on you! bill, you must notify us no later than 60 days after we sent your first statement on which the error or problem appeared to preserve your billing rights. ONLINE PHONE ~))-I 866266,02T2 )&J 'ni, rnn pi vni e pkacetiavei'i& nvicluni mfcr nrdri ii. ' "( ) rr, 'jI ) i« tlv, &M&I "ci iq.ir &ion MAIL Attn Billing tnquiries PD Box 982235, Bt Paso, TX 79998 'A!hei vr;tine ptcdsr i cl(;fe Your Name, Account Number, the Disputed Amount, Merchant Name, 7ransaction Date, and reference number ui ttie d cimte I i!em and spm ihc oetaits iegani ng your rfisnute, met ir&tvig rf&1m of ron am with the merchari1 anc the m rchant s re pon c in r &ch ir c dnm Pt asr::nrt!rdc )lt supperbng douimervmt&on, 1 rfudir p cate. &xi . reriit louf to'ls C i&ti ' )I'Ct po IJg mtuin I( I I! fs ds fi oo& Cf all\ I el& i&11 PAYING INTEREST w. &Vilt nor. banc intercci o i vie!I dses on tt I .i&t stair i 1 tt i!you I dv:I kl:, bd)ci Iomt in futt I y tf'e nawnci t i»dc Ddt&can I yo&r tinct ui ", n ti. ':, Ne omvi xis &'aymem i)ue l)dte W vni!L „n chirr &ngui!Vice& on i«lan c tr nsle 1&nrl(1 t&cir!v recs n".I ans&r, ni dm« CALCULATION OF BALANCES SUBJECT TO INTEREST RATE A erapr. f)aity Bdf&'&(c kl ti&od find idmg r r 8 Pi r;h,.ccs, W'dt« idii'oid& '!I':&d»&es &Bi&'111'In& I":KI B&e In',.KI I 1 win («&'Idi tiitrodiic oij &'r Promo!in&!dt Dttm '.I'dr&&a in& cis!1&e oil ix «dies W, &ir)!Ii 'y II' 2 &ldi ~ &p, &M&iti ts&fence'orr)(l bsyintnemtl« ",c,l 'Ia«dnig)ilwc&'tyc 'dr 11;,.;:.I'!" «nr.&1 r'iv Jmgth')ra i of the daayb l&nmc» r'& nimnc & f I ys nr ie billi.,«rm Vo!ahtdtctherL&ttybaer&«elir;)el !&!,i*.f &11'.1«riir '.t. ig I!Ii & '; &tf!kr tt" 'ti 'pii'n' CdiJ& C', 'I Ki!I il'«I I If ' to I I ':& C'JIIIp I '1l tk & 7 Pen..l ( Ij I 'I„«'im'J the pir «md ridv'1 defy t)dtanre U! «dtlnec Par(iiasec newp&ouu tres dnr &cr Tmns ct n !e&'C,«ndfd!C»b'rdm,&CPI&r«r&fec»»''I t .Vr!.m&B li«&1!l;tytcedr': Cli;tm, 1, V I & eel I I ls le& o Avr iaee Bate icc Method « i iud&ng n n Baler ce fr i sle s mdniv 6& I Adv ri rnf We calculate ep)m:e Balances »ubfect te i) Interest Ba!e for Ba fence Trans'ers, I'ash Advances. and fol .Jrh tntrodui tory cr Pmmotionm Dffei ba!ancr r «nets:ing of I!Jlance Iranstr rc o'rAshhdv«c(e Wer!CNisby itlrd'&utitnpa l*iiyb tdive'es&i d jin'.i&»tdtev&ert'1 b&ll «&8 (yi'&1Uf ( Ic .,it I',!Is& 1I'»In» 'r &f&d'.&)ncicnx, rf I-;&r & to'I sc, nr v I' "1;", r vd bum:I . p ~', J" ct,&erncn&'ctul&n ry&lc 'i',ddc" it c l&i';' ~ c r:!», &in I; ( TOTAL INTEREST CHARGE COMPUTATION In ".e I oidigccaccru&.i&d) ac rnpeuxtrdonad1iyba is Icdr !a&mair the«tier st Clmrgcsvcniltiptj each Batw®ubi.rt tolntemcthaleir& it.a&)plicatA" t)iitvP rmr!e Bi r )art rli t m clt ac&ut!ir&frid f, lt&cl&t&mf&ci .,'days&n the I'I'ir 8&tete I &deterrmrr n ud'er as! Charge to& We biff&np cycle w" a&id P&e Per ionic fldle tore&e i Oiargec ingot'i& r A De&le Pinodi-ftate a&aleut t. bydividrn JnAnr*. ial" rcentagetmteby &iis HOW WE ALLOCATE YOUR PAYMENTS Ibi«i»"cc d r d«ncdteil to pricted ".i'artcc! If yum account ls&s oat Ji ces wi:t ct ffercm AP Is ve vn I I I x te uw imoun' I your o yrm &! t iyi I rn th( stat Memnu n P& ns r t .'.,'';I J k mes! Al'« tmur &ms f rst!i I!Icdmg trd isa&t&onc (11&catt(r:I &111)&oner I'&)nc(t Jmou il« &nc &rcsofyo r 7 11'Mranurnpdyn ntf)&i & ittbr pplieftnb)iinre vr& t I t.er 1f'8 bc'orc!;I) irc v, rti vvmrAI)81 IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE ," I'I'el'c Im I«C (I)!e»1 Pdj t'I''I iC Cr&'K i I 'u!t c" !C &&11( e"«I!1 &I': '.''Iie pa nn I,'rom you&dr(Cunt at the 1&nant&1'stn t on yoii «.cipn ite Yoir "r tolm ino ze iim :no in! anl:iiuiigufrach paym&ri. In(ye i(pro e!IK)nnewillasc&nrsr'c ir ty "i'nmon I lee may appty for expeo&ted senoce To i an!Vt, calf us br foie Itis cct& dided paymenr dd'e W&icc day payments rannot be edited err anr etcd YOUR CREDIT LINES «&'«I( r I' I C'I'I'e&I I &. I ot C, J&t IV& I!t) '!f I 'l&I'rr&i, I C&&, In&in& ii"11:,valI !In':r &i«K! 11! id&an(ec II et, hi &c I I m !In&& mt 1&du! lo J&ci f i h Air&i!11 (rrmetl&!Bank(a&I&!rivs:oem& c" or&!Ivl(, hi' Di: !I ('fnurmiluti'&Td'J&I Iv& rcc» nw fk)YOnm *( is&i a Ivdi Gzei lrafr r'r caen!Jmnccs i s'&Le&»dirr 1k pro n . yn'"'1 Iiu!J)p'.Jbl«;"n &nor Ic MISCELLANEOUS &" ny!!' r 'i tt,cr'8&i„rn! 1(u&K(nu".( &sum!&1&1 T&c, I!1 '.A PAYMENTS If your hitting address or contact information has changed, or if your address is inrorrect as it appears on this bitt, please provide all corrections here. ic'-i,.n«ml cent in:I inrun ere r" V.-.;.; Ihe &ecn«vve porno«&f mi, (!mannet :&tn&'ne'1 I)&. ' «1j«'i 'lc» c,&1'I &)1 &n&ev 1 c 1 &1 I I&&cd I 'I' rb" rn ttd" t I Ji!" eve o 1 i(nn fu& I I'll'1» ''IC& ' 'nu us I I ''«I '"&1&il . 11)1 )1'eu&e I')I I!I j)»&i'l sr.tvdduted to occur A LIi'ms di rect I , ~ i&CI&' Work Phone BankArrrerieard Cash R ards- Bankof America ~W Visa Sfgnaturee ~~~ 4923 September 26- October 26, 2013 Page 3 of 4 R /i /ibfb DPI" Dp r /II oo No oop Null LPI nm b crp/ Off/25 09/25 09/25 09/25 09/30 10/08 10/08 10/11 10/13 10/14 10/23 10/25 09/2 / 09/27 09/27 09/2/ 10/02 10/09 10/10 10/T5 10/15 10/15 10/2Ii 10/2ri Purchases and Adiustments SAIEWAY STORE00009977 SAN JOSE CA 583269017052190 WAL MART 45884 SAN JOSE CA HOMELAND 800 4934240 8004934240 TX 0 THE RX HELPER 888.2334303 FL 0 AT&T S116 4122 SAN JOSE CA I'tfSMARI INC 2242 SAN JOSE CA 2242244710201254727638 JACK IN THE BOX 426 CAMPBELL CA 4083719313 JACK IN TIJC BOX 426 CAMPBELL CA 4083719313 SAFEIVAY STORF00012930 CAMPBELL CA 5832866578548/0 OIABFTES SUPPLIES 4 LE 877-88047004 FL 4923 WAL MART ¹5884 SAN JOSE CA FRY'S ELECTRONICS ¹6 CAMPBELL CA 1064 2454 5290 5080 8548 5827 2802 28bb 0285 0232 5097 9269 4923 4923 4923 4923 4923 4923 4923 4923 4923 il923 4923 4923 4.3& 21 22 390 00 69 95 110 84 51. 72 4. 34 9 26 110 00 28.80 76.26 $881.07 10/26 10/26 10/26 10/26 10/26 10/26 10/26 10/26 tnterest Charged Interest Charred on Purchases interest Charged on Balance Transfers Interest Charged on Dir Dep&Chk CashAdv Interest Charged on Bank Cash Advances TOTAL INTEREST FOR THIS PERIOD 71 32 0.00 0 00 0,00 $ 71 32 Total fees chaigetl in 2013 $0.00 lotni intcicst chaiperl in 2013 $ 351 15 Youi Annual percentage Rate iApR) is the aiinual interest rotc on youi account Purchases Balance T . Fer. Direct Deposit and Check Advance" Bank Cash Advances Annual Percentage Rate 11. 744V 11.744V Cash 16.994V 19.244V Promotional Tfallsactloll Type Promotional Offer ID P I0 III 0 t I 0 11 a I Rate Until Balance Sublect to interest Rate 57,153.03 6 0.00 5 0 00 5 0 00 Interest Charges by Transaction Type 971.32 0 00 5 0 00 0 00 Apn Type cefin tions Deify inteo*st nate Type v= vsnabie Rate (rat nisy vary) 075 BANEAMERI CARD CASH REWARDS 9.90 BASE EARNED THIS MONTH 1.33 BONUS THIS MONTM .OO REDEEMED 26.29 TOTAL AVAILABLE VZSIT BAIIKOPAMERICA COM/CASHREWARDS You hiii &'is &it'&ta ponlla lli il ni«y cap&&'I* soot&, plciis(' iiit sviiv Iaiiikof iinvr(&u &oin lu tv&tv( in r &iir points loi Dish, tnn cl «ini nioi1. il 'iu'(11011(II'il ID&i. &'t&lu hitoiiiil'(l(1 to ulilnlipo Vi &f1 IuulivV h('ll('I h I (it(I'I I&('I I& tuoi( Iiuf u'I ill h ni Vali (' IIII&(,uh un«p& of I' (, nnhmi((i, tinan(uii r&in(niiun nnd tnoli t&I Miitinp Inn nmvs(hi&fr Brltcr1'Ion(1'lininlirnm (rnrrin(IT ivmiahiv in I'npiiih (miy& IYith IiankiYrncrIO& aii', n fcw ch& ks min Ect you up to R % & ish hlu k ( iici itic C iih turk ik 11. ial m Onhn&'r tintnir ihmiunt( lo 9 v«ash t&ack deals worth np to lf&% Just psp w&th Twir c«rii m(1 the Dish back is put into (our I& rum&( lt". Irc& fur (hiiim nn&1 klohiic ilankinf cniToincrv To imirn n&onh (is&i Miniu&famcrics Tom/&Ii sin fln p ipcriii ! You cin fin&i,ri&ir an(i&to&i ~ h&aii print&hlv1'lip( of your.t«fominlian&iriiaihir iincnm:nii 111 mon pinrc. I'am& iiipcrk i(,inroil in Onhnr ti ininnE «t iiuiiit& iiik&lhim& nr uorn/onhni teniun,. Rimi thi "icin i(iii'& on an(i ciicl& (ln ihipi rii is 076 BankAfeerieard ~ Cash Rewards. Bank ofAmerica+A Visa Signature" MARK A MESTRESSAT Accoiint Nuinbei. ~~~ 4923 Octobet 2 (- Novembm 2&& 2013 Account Information; &wis.bankofamcnra,&om Mail billing inquiries to: Batik of'Amcriixi P.O Bn&!)8? *I. I'.I I'aso, Tk 78)DB RBIS Mail payments to: l3 an k uf A ntcn& a P.O. Bo&. 15(B&J Wilnmil,lcm, l)i', I983IN&OID Cuslomer Service: lrg)0 42I:?II0 II.SDI)34(utfyd I"iIrl Total Minimum Payment Due Payment Due Date $157 00 12/23/13 Late Payment Warning: If we do not receive your Total Mmimum Payment by tiie date hsted above, you may have to pay a tate fee of up to $35.00 and your APRs may be inmeased up to tiie Penalty APR of 29.99%. Total Mimmum Payment Warinng: li you make only the Tolal Mmimum Payment each penod, you wdl pay more in tnterest and it will takr you longer to pay off your balance For example. B M +j.'hajji''jij'Aij I,'„'.'6,!i""r'Qf New Balance Total 1/,859 70 Current Payment Dtie . . $ 157.00 New Balance Total ..$ 7 869 70 Total Credit Line Total Credit Available... Cash Credn Line Portron of Credit Available IOI'BBII . Statement Closmg Date Days m Bilhng Cycte .. $ 11,000.00 . $3,140.30 .. $5,500.00 $ 3,140 30 I 1/26/13 31 Pievious Balance .......... $ 7289 62 Payments and Other Credits... -500 00 Purchases and Ad)ustments,, 987,14 Fees Charged......................................... 3 71 Interest Charged ................................79.23 Only the fotai Mnilliiulil Pa)'lii ~ nt $ 260 29 21 year'5 36 monttis $ 14.914 36 $9.'370.44 (Saving* = $5,543 92) if you would like informauon about medit counsehng services, cail 1-866.300.5238 "dx Refer «r fe ir Iv»p'ayment and Other Credits 11/21 PAYMENT THAIVK YOU 2176 -500 00 -$500 00 4923 BANK OF AMERICA P 0 BOX I50I9 VVILMINGTON, DE I 9886 5019 Account Number ~~~ 4923 fdew Balance Total fetal Minimum Payment Due Paym&nt i)ue Ipate $ /,859 /0 . 1'5&7 00 1 2/ 23/ I 3 MARK A MESTRESSAT 1455 LLINING DR SAN JOSE CA 951 I 8 2325 Enter paym&nt amount 5 M I tb" p» I*id tb y «b s payable t Bank f A L 9 23ii'77 IMPORTANT IAIFORMXITIOfd ABOUT THIS ACCOUNT USES)1 Hev. 08/'13 CUSTOMER TIPS FOR DISPUTED ITEMS I&any ti- SW(l, i Cd(in pc pi lr,npxit, ()dip-spwlui tecie srrav')(U(oeia&c am); il(- iiCfi "',"(uri a ti)rc(.S, ii':»"X* 't ', fnlt u(p,, tpnlh;kxmrfri»kC ,s)I I'vc rrdlsni rr II'I 'r rh, )I O I I 'n Ii-'llr', I v xii()lwl 1 ylur 01 SI!))a I f.',. c )!el)i ~ Nas a credit pnsted to your amount) piper J i,p, »'(l,lal fr n '..;J,l Ua i'Iedir to(I'iicr ir,)ex()cnlcnf c I'pp; I(«!pl Is the charge or an)ount unfamitiart ihrrl,vii o ti pcrsonsm;Imii;pdmus exroirrtton)ke iiiethrfrlirlnotmake an uvre, Id';niv Je; 10\pdvniisil'ldr (r„rf(n Ji litrfudptlps I))Inurn I r&xfei prc.r"I!'Oi to):wtansapxidpl«R'5'oldlyaur)& mn; "ale nprnsonlmp Iyo(ar'lr r)pdl i onlineganking ni c)» turin..ffu~ingtfwsspo .)rlr)res(anti c ircrnnt)or!r sr)tcnxnt pi Rive: a rag Please remember: If you find an error on your bill, you must notify us no later than 60 days after we sent your first statement on which the error or problem appeared to preserve your billing rights. ONLINE PHONE 5) !.866 266 0212 )g Di Jr npls iv«,. ikn, I,i i i»l LI i .ef r n:- i mi I I )dvd, MAIL Attn: Billing Inquiries PD Box 982235, Et Paso, TX 29998 !A'ni v tir 8 I.fi:".& i )i(le your Name, Account Number, the Disputed Amount, Merchant Name, Transaction Date, and reference number uf Ihc (I &mlwf ir&'r i axl spw irir r'pt)tl. iecard )g your t'nmilp inrlu&hng Pates of rontaciivrpl tl I I"r rebel!rand Uil'. Uiprcls,)ts response lr each ~ '. mncp Pf a c, ckrde "ls 9) ir rting dc&uric!;a'ioi m mc rgs)fes,nocrrr Ir (el)(luis coil( pp aw f!0'I, let(»in(':It(5 )' r cl cn, I IU ns PAYING INTEREST Vi'i'wit l r)LO) Ikp 'nt Ins(o'I ''In)ps ( &I 't'' .p)1 *ter 1 i'l i voU pay h Nr w 8)dn(e Irrial id Uil I y rl e natmcm f) ir Dm&L an I ymi 'iud rii I n fi. 'y I!is pmvm is payment Dix Ditr. 19'r ii'be; m birr»dint, ips!on lie)an(p hdnste.;a)df) I Id&dr«caen tlictiansarrionrf) e CALCULATION OF BALANCES SUBJKT TO INTEREST RATE Av i, "„: 0) If ii:!nice kloWr d lm(i,idrnp r.. w I'rir h«sell di u p cpdi (eh, i c ''I';U a i)i mni;pfp Ikai.id,e de idfnirvxf Inlrorlric "; r r Pion uliu i I Orfer banr«c consiimng of Pirr t aw. Wc &lo It(or y I If (df ufdlirig I)y i,!'r hll,',& p I",)r dr! g )Il tin edify b 1am*5 lo„"ptlicr,,in(. !31 r& ifa e;". ~ 5 imnf't . Ial( hal)ncrsa& mc itix.r)it if;la)sir:lni! bi!!nip iyrfc &r .)fmlarc W: rlailyla an - for ppcf l)v n!I i 5 ster»i!'wlir Rryclp»vc lift kc the. rw) I'!"!) - ',I'',I pk .)I )PU«('wcrirxlrc Ralpmil!rpi adl v &')e pre& o i. ods 5 dd ly bdf nr.*;.,13!,ir!0 rx is Ik)r )i»ca nci'i A&(aunt . ces ancl )en"iansact ion r;; i,.P)iC)Ok .,*;mr"t).i&i,re li'5 li;.iie Iailybdtin r i li«lt))n)Cr~ Vm (.n . I'iriax i)!I.. re)hi»or!le) Irxlingt «Ddldnci ftaistesandnmvCJ(liAdvdn esf Wi calcUldft c! )I IL 0101'tSUble odr'nlc'll'5( Rltc to: Bafacrcfransf,s Cash Advanres and torch& I)trodii toiy or P omotinnal Dffei ba'ance cor sisting ot Balance lransfers exldst Arlvarre Warier')isb tl'rarirfding )ili!yb faivp& rpdtt)rl y!n(tiss!aternenls J'il s i'n I I .:...'; el«,l,l '«&an( "I n': Ih Jposfngdaiev I'u'10115 TOTAL INTEREST CHARGE COMPUTATION Ir)!e'e ICii rgesa r le irCI PC nk)C(e«iidmi ioai)yb) i) !O(i lr'rn)ineth( intPr Sl Ch rr'r s vlr rn(fimtyr'icli Baf'e',if cc', lo lntc rsr Rarr b, I A)pa&nb'c D)ifv Peri( i! c parr an&fili I'"selt ism(f!)!8(pl!i lf)r r.nib rrl I!Ps ill(t. rim i k h)clmprn &re tnc!o!8 lnteias'I Oidrge fo oie t»tleik cvcle vp adcl lhc Per mmr R)r( Imercsr Ii)argcs rogm')er A Dadv Period«0)tc is,lrufalpdbl',"iwdaY,;niente .ni nice; ras Rarr by3&! HOW WE ALLOCATE YOUR PAYMENTS I'ayme! Sar. )Irlsdledt po I do)i)nce* llyou dr Uilnasoddn pswiil dffercnlRPRS, .vci il,!il. eterne, nd)un. (f)oli Jn:i r i: &sxidl n(')c: UI)mi vnu"i)')vr c I'dipl)rim lowrw APR Is)nri cs fir)I rim!»!Ing:rxisacl«:5 i.0&le uric '!I is *;)! "m r'll Parr»(rt am u rls inn&re(5 nf Vn Ir '„;ld l1 niv rn P, 1 U nt D: "C ro I)C J! I» &.I,P,)xnr«n) Wr:1 t &Pl (r Af'RS IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE (U i L Il i 5 ( ( , ! ' . ! : « , i ) ' 7 b , P I ' . I» I P , I , » ~ r , ; i » ne .I i .', ' ) !(i p) i )LI'If) ni) I'I I ((OP( il:"( !&la(IC.',ren'UI a ',', ') d ')ii 'Iiil I !( I IC I lii, xi)o rill al!(f:I ii rigel idLI' dvn ( i. I Ol ) Jiii i)io Pc(15 wi 1*'ill!SS ' 5 '.li I( "1 Oi I«Pl( (I I fee may apply for expec il pet service le i ai «pf. cat! us befoi, rhp sch..du'ed payrlinit date Same- day payments cannot be anted o canes)crt YOUR CREDIT LINES s)la tplci iiri! IshA0»«,s IR pdllh'I:"! inn,id-, - ~ I 5« . i&Id'dt„ i Al ac m (7) Ill I'Car!Iud I'I (asl Ad i rcs cn c Ii)s C 'I 'r .'. " ""(" 'Is Ll'( II ~ MISCELLANEOUS PAYMENTS I (C' I'I' ' di Pi(i', is',)C. I'I I'''dx iai ',*.,Pc(i, I I vol(star'm I .!L!i If your biging address ot contact information has changed, or if your aridress is incon ect as it appears on ibis bill, please provide ag corrections here Adtl "(55 I vm "» f)d) I i ir )» s'I!e I, I,':: ils lt I i(I.;li ie'Is)i!los".,)5')xmPU)eau ClilduCfs)'0 (11 5 sr. hpdu fed io oco)r i OC Work Pnone BankAmericard ~ ca.h Rewsrde- BankofAmerica+A Visa Signature ~~~4923 Octobei 27 Novembei 26, 2013 Page 3 of 4 t 'rlv «l Dale Dale Delrelme& W tll+'l'latl'6'ee al relal 10/25 10/25 10/30 11/11 11/14 11/14 11/14 11/15 11/17 I 1/18 1 1/19 11/21 10/28 10/28 11/01 11/12 11/15 11/16 11/16 11/16 11/18 11/20 11/20 11/22 Purchases and Adjustments HOMELAND 800 4934240 800.4934240 TX 0 THE RX ttCLPEII 8882334303 FL 0 AT&I S146 5909 SAN JOSE CA CARL'S JR 7046 SAIS JOSE CA WAL-MARI ¹5884 SAN JOSE CA SAFEWAY STORE00009977 SAN JOSE CA 583318614834089 LUCKY ¹757 SAN JOSF SAN JOSE CA 06209360757V1GY7002661632 WCI WVCOLLECT&RECYCLE 4082839?50 CA 10460165111513 DIABFTFS SUPPLIES 4 LE 8//8800004 FL 4923 WALGREENS 43754 SAN JOSF CA ¹WWW FLCI.CO.UK MAIDENHEAD GB 76.77 POUND STERLING WAL-MARI 45884 SAN JOSE CA 7051 5065 8628 7889 6874 01'5 7 3639 00 79 0066 b'39t 6041 6009 4923 4923 4923 4923 49?3 4923 4923 4923 4923 4923 0877 4923 3c90 00 69.95 145.91 4 01 39. Il3 4 89 3 24 70 50 107.99 5 43 123.79 21.80 $987 14 11/19 11/20 Fees FOREIGN TRAIJSRCIIOIJ FFE TOTAL FEES FOR THIS PERIOD 6041 0877 3.71 $ 3 71 11/?6 11/26 1 I/26 11/2G 11/?6 11/26 11/26 11/?G Interest Charged Interest Charged on Purchases Interest Charged on Balance Transfers Intetest Charged on Dir Deit&Chk CasttAdv Interest Charged on Batik Cash Advances TOTAL INTEREST FOR THIS PERIOD 79 ?3 0 00 0 00 0.00 $79 23 Total fees ctlaipert tn 2013 Total interest ctiarFcd in 2013 $ 3 71 $440 39 079 Your Annus)Percentage Rate iAPR) i the snn&ml intviest rate on your account. Purchases Balance Transfers Darect Deposit and c)seek Cash Advances Bank Cash Advan es Annual Percentage Rate 1 1 . 74 tV 11 744V 16 991V 19.244V Promotional Transaction Type Promotional Offer ID Promotional Rate Until Balance Subiect to Interest Rate $ 7, 945 66 6 0.00 0.00 0.00 Interest Charges by Transaction Type $ 79 23 $ 0 00 $ 0 00 0.00 APR Type Definitions Daily Iriterest Rate Type v= vena&)l= &)ate irate may va y) BANKAMERICARD CASH RENARDS 9 67 BASE EARNED THIS MD&&TH I 40 BONUS THIS MONTH 00 REDEEMED 37.56 TOTAL AVAILABLE VISIT BANKOFASIERICA.COM/CASHRENARDS llv&tvrktonvylti&husrnm lxnoxx)t&'k hoxv to mm 0& x ~ iir mon&'x h&'lim lms nmvr br& t) mmv impr)r& xnt Roe vr&urm& h&kv ndxant ) ) ol'I'ri ', nnbm &6 line)nisi r rlucal«m snrl Innls liymsiung our nmx xvvl&s&lv Brti& rkloncvllshns.) &ini lm&nrnily available &n Bnghsh only). iV&th llsnkArmnO« ds',a fvu &li&ks i 0& && yrm np i i I "; «. 0 bul& I l&rl& tt&v I'aslx B &ck 1),xls lshm Onlmv oi iloh&ls llenluoi Io fil c* sh hirl& ilv &lsxxu&ih up to \ &«Just pay N&lb your ca&d and thv rash linrl& &s put inuiy )ur &rr&mnl It': I'&vr fi&r Onlin& xml Mobil« Dani&ink customers To harn )nore Ms&t h &t&l&ofiuilvi lr i rails rhsds Ivor m& r DO &nars, Bnnk of Am& nd hss Is r n p&)mil ui support sets i«rnmul&cia anil vctcnins as omployvos, ruswmurs anrl m&poiu&ni members of our communii&es. Ping out more about lianl& of A&uvnca'6 roiunutnelnl at t&snkofstnerira&0m/nulihsn'supp&&&4 Go Pspr riess! You can fmrl, vicxv and dos nlrv&rl Ilrinu&hl)'lips of your sl)xtvm&'nls and vi)2'ibis rln&'um& r&ts all in oni& pier&A To gni pap&'i 1«ss, r nroll u& Onhn& Ihnl&tng el xnmv lenl &frimvrii 7 iornyimlmrh&mkmg I md &la* 6&& vn lisif i«m mrl «lirk "(lo p ipr iles.:", 080 BankAmeriCard CesrRaw~ra'ankofAmerica ~W Visa Signature" MARK A MEsmEssAT Account I'lumbet. ~~~ 4923 Novemliei 2'7 - December 27, 2013 Account information imni ion koi i mr& &rh.r r&m Maa billing ii&qmnes to. Bi&i&I& ( I 4 ln('I'Ii' I'0 8 &1 93M"&3 I!.I I'. o, 'I'X TrJr&fls;!23 Mail payments to: Bank cfr)mr nr & ILO. Box I !&()l!I TOilmmaion, Dl'. IrakG 301 f) Customer Serv&ce I a)04,!I;!HC ; ISCt)!I40,3& 3 TTY) Total Mmimum Payment Due Pa)1nei&l. Due Date .$ 1GB.OO I/23/14 Late Payment Warning: If we do not receive your Total Mintmum Payment by the date listed above, you may have to pay a late fee of up to $36.00 and your APRs may be mcreased up to the Penalty APR of 29.99SI. Total Minimum Payment Warning: If you make only the Total Mmimum Payment each penod, you will pay more m interest and &t will take you longer to pay off your balance. For example. '+~''.,":I'vl „!AE'b!&Alt I!-„I l'Mk.@~I!~ ., '~&iM~W: New Balance Total $8,721.62 Current Paynient Due $ 168.00 New Balance Total $ 8,721.62 Total Credit I me Total Creckt Available,. Cash Credit Lme Porbon of Credit Available for Casii Statement Closmg Date Days in Bilhng Cycle $ 11,000 00 $ 2,278.38 $ 5,500 00 $ 7,278.38 1 2/27/13 31 Previous Ba&ance .$ 7,859 70 Payments and Other Creilns...... 300,39 Purchases anti Ad)us&ments... 1,078 8&l Fees Charged...................0.00 Interest Charged...................83.47 Only tt&e Total Minimum Payment $288 83 22 years 36 months $ 16,624 19 $ 1 0. 39 7. 88 ISavings = $6,226 31) lf you would hke informabon about credit coun sehng services, call 1-866-300-5238. R Iw& &r'v'& r.i 1 .,"." l'1'I Payments snd Other Cred&ts 12/10 PAYMENT THANK YOU 2217 -SDO 00 I 1&26 12/24 DISPL&TE INTEREST CHARG ADJ 5810 -0 37 11'26 12,r24 DISPIJTE li&TERLST CH&\RG ADJ 5813 -0 02 -$ 300 39 LI923 BANK QF AMERICA P 0 BOX 150&9 WILMINGTON, DE 19886-5019 Account Numbet ~~~ 4923 New Balance Total . Total Minmium Payment Due Payment Diie Date $8,721 G2 168 00 01/?3/14 iVIARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95118-2325 Fnter payment amount $ precsepo cehl)rc crh rs Artie vresssde M 1 ih *upon s&ohs whh yh «h k n yah&A 1 ehhk r 4 I 9 23td 081 IMPORTANT f(VFORMAT(ON ABOUT THIS ACCOUNT USED(1 Rev. 00/13 CUSTOMER TIPS FOR DISPUTED ITEMS 'I nyt p(1&5( .itr»rt argr web-:*,irrrttc Iurgps &hi! c istpme 5 i dl i linen',.&Uc "irn (&tip( Bpi(pi'!5 I I lg p hdrfle ur'rior''Ipl'rl !f1 » 1'! I p*'i;,;: „'. i ~ „- I -i kp rM 'liriris,ir Je, Iy esdir'10, i()spit& (fir nt( rtwrnsrl'in» ma ii & y,'rclr.n '"(I m(i N& ir brllrnf.'tat r.* pr ni ~ Nas a &redit posted to your accountr I'revs& 1',iv up &0 &0 I!Si 5 froni:lic Jnu'n ?(xi; rwkt iovrfmr . ackmpn!cri&c p:I; Ir! r "('I'.'Idn. ( I('''I l»rs", ~ Is t tie charge or amount unfamiffar? (hrchv i 1 c 1 i" fl(''lsd i!to(&ted rusr !) &1(mur(tnm&4 utr I!ip?O(nn;m&k'vrm ti Nor&(ville itwt Lhp me chants!I! n rt I dmps& ! Slvm",:n& pr:* P, . m c air &Uiii vs I a(I I u su' tlv &0 It& sl'J wit!I 51(n Idr L!'«&I!r!5 Ui Ii&C(mk t !is 'ti&em(i(I &*r! wl'!0(thrc ( fts i tvvimvtnir,sm in i&! 1115 (to'nof ply ira&n.&n» sl& rsn& n 5 onk i: I yoinii int pnr&flpr! r On(inc Banking t isis& i lo en!,.ff usirvg!I r.vsrl'& drlc!ipss on &i r hont sfycur stair'»mt or givr.'usacali Pie*ac remember: If you find an error an your bill, you must notify us no later than 60 days after we sent your first statement on which the error or prob(em appeared to preserve your billing rights. ONLINE PHONE ~) I 066 266.0212 )J ' I 1 I 'ir plvr r'' d, '! &I'1& I n'n! I''t;r4'( si(p . i hv'1st rv 4!y . MAIL Attn: Billing Inquiries PO Box 982235, Et Paso, TX? 9999 'y!I at mtn "h,.f„sr. mckxl&'our Name, Account Number the Disputed Amount, Merchant Name, Transaction Date, and reference number uf thc fn Lied itcim a i I sp «fir Uei iif. i add!ding your di putp mcf&rifing d&res of «11!act ivith tii Inirnid!I! Jnd t.re nipmildiit 5 rmpoiise;ri each insi incv pi(pm,nclirrfenlt np»rln&gdorumc'nl&lion n l&x!(t'g safe in credit 'rv'' h (5 1 r&f I 11'd po'lg. IC'fU(ii I " Ipl 1 p(OM Of a(i&' (U'ns PAYING INTEREST W liig not (fiaige mterrsl 0 i Vu cttdses on ihe next statemenr Py i i pay(tie N r f)a irc Tote( in fuff by ttie Paynicnt iOip Date an I you had piid:nb!f by d&c pn vm is naymei t Dui D»r 1'l. wil'0 one(Urging niir eaton Balance Tiansfe s&id Ca I&A»lan as on,!I p ir» M&c Inn rl&:0 CALCULATION OF BALANCES SUBJECT TO INTEREST RATE 0 i gr D&il) tlat&uc !i'thud(in ludingrpripuroosrsl 'df'n'd&PSCpdr (I I d Ill( S I'l (I'ri!&II(I 'I»a& fn p ir(I «'e 'vJ! iiirr iriuclor) r(I'idr dliond(Dfte bddnr. ronsrstm ofpurctiases wei!r& lttisuy iilrd(uldlrrlg .&rlr lib lir&ri''01&a(i l 1 r ! rcbrllp r, yco(2)arfdmg &lfltrpr'drf'yl&df r rstri rrh( drv. rnOr rg,'he svri of rhr. lads balanrrs by rhe nvmr i r of fels ri; lir !»ff ng i ync Tr af &!,.(r Wrr Jmfyl idn for rdctidi:, in(f 1 5(xirnrr t's' *„c rf -lc &IMdki lh'i&or'ni;rdinurn 'mciu indi"our tpqni m I eappiicglt 0 iyprrrodc in re,'.Op"'Jll diepreviodsoavsdafybafan(«fg) ddn vpurc!11 es ncv A&lou ttees ano icr ransaccnn'. ' are(lais& 'i(ra(I,ippkrdol, iulm( !S,.mt re liis!,! Urr &L'&fy'hydr» i& 'r lhd»'r '"" :1..( as yen& Ai r ih Rd!p icr Mpmod iiwiuling neiv B&fence Trmsfers pnct nr w Ca(!i Advdn rni Wc calo&fate eparmegaianc sSubiect toarfntcrestRme(oi B fapcelrans'prs (ash Advancr s. and for each fntrodnctory or P omot nnal Dffei a(an e mnsisnng of B&i in& e transir rs 0 (asti Arlvir «". We do rhrs b& ( Ii talc utairng d (lwty b fdn r! Ir eddr rf 'v rn '.i': s!:.&epier t . isrh i!i»war!or rl1( oi0 L.:!vss„temr is kg&I grw&r t,i,van&.,R&sin&ed( 1 tn. cnl I g.i ryclc»ID&dor'g,tl!I pena& tplan& 5 ngriti&, 0!il'1:Ing'* » i":.:11! (s Id&co&'.."time& r&s.r.f i(aye rntl n srdc inn»SOS!", I,'.» n;I. I( 1 'r nfl&rdok I'(OI" ti lirpcs din I r r.!1( i!ra('d i&1 TOTAL INTEREST CHARGE COMPUTATION ill es(C)large arcrup irdap(empoLnrfpd nacimybasis Mdpt(rminr Ihi !ital si ('hprgn'c r'u fop(? Pad&91(d icc 5 ibicr &hi lntp c I Hair tr& irs dpplr dbiv DartvPc nodir Rnrr nnri t'dt »sert &5 rn i(Imbed!il tti. r Umtic( r':fay n lhe 0 I rnp ryrfe Todetprn ire d&c'.Orat f0&pres( charge fnr tnc 0 (ting rvde,.s" a&'d tire pcr or i& R ile lnipiest &harg! ( Ioget'ir r A Dail, ppriorfn Rate, r,.!cuf red by pivict n myinri &I! Roice; ted. Roti. Ly &fiy HOW WE ALLOCATE YOUR PAYMENTS Pdvire usa eai!'0(dle;li poli dn.r,dnm5 lfyu&n drcouniiiasoafar eswi:hrJiff&'rcniAPi!s ,vpwii, ik . &elec in or(in (I; iur0 imp&. row!!of'ip rlalMimmlmiki m rt )r lot), 5 Afvs h . t res! vsr (inrfi rinig 'rtm &cl n 15 rid(earn r ',f is sinter im&t) pavpiw'tat 10!Inis rirwcssnfinrr fol, Minrr., rnPL( sr 1 Di pc((if tmappiie((&nba&&&res&vi t I»5& rr Af'Rs IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE WI V;« ","'' Pis.n'1'fbr M Pi: e W n, «,".incr.(C(ivtnnin &tean(M;! 0'rr('" I 1 11 Iolv 1 « I I I(:Ic Irla lcrml n(I'Ii ri yoiidcs pr'»('UII(iiilsiaU((10!pi!'ri&lIP(dl'd'I i&I(&gored(I fi 1 11('I Nlt)OJ&P&n P &inn i(PI &gas&I;li \coul)''"1 'ilillfiv(1 hr may dpp(y for.xppoi',pd si rvicc in i aii& pi, (a!1 us before rlie srhvdi»ed payment d !e 'rne dd)'ay Ocr&&\ ' I'lot tlc Po It ('d 0 i n)el( P! Pd YOUR CREDIT LINES „r mi -l,*„-v! nb(linn irc ! r nally il.. i &15!imivinn sr. n t&; u! (iM( Nih Nm i!5 MI e& 5;,. ("( (c J I kr rrs,»'e Dm Dr'n'p(Csea'iver'1 Ovr'1 lraft 1'r tr ii MISCELLANEOUS PAYMENTS 17 ''1 'Inh ~ ( w(kno'PI" LIS '0(la o1 a I 5 'i&n Id & I rr 10010, ',' I ,.i&1"i,&re 'llspnt inlhr iwum nv!npevi tnn. Iv;hc rn tt n,rr porrtr no(:pm .1&tr: cr i lo Ivlnf'n id&'r'lp 15&& c lplblwn J lqpr)p n irl pl& n, I (n rvr 'I ( &'":!I( n I itr Prl &I ' !1&(' I . M I (I "i»'v'w se I p I'I ', ': '. '«P I ' vl rv (I yc I'c tcr I Ils'I((&i ( i(5 i( rr,. t dl rw UU r(1 55 Udr's 1&V Iv iiip plr cin i co'yii (I i 0 sr. Iiedu fed to occur tf your billing address or contact information has changed, or if your address is mcon ect as it appears on this t&i(i. pisa se provide all corrections here. y&CJic,: Work f'none BankAmeriCard Cash Rewards. Bankof America ~W Visa Signature'"'WW4923 November 27 December 27, 2013 Page 3 of 4 ian t n nnnr e n'pre(ance Dare Dain Da'antra t renmeer tv t ir.'pr r rrai 11/25 11/25 11/26 11/2G 11/2G 11/26 11/29 12/05 12/10 12/09 12/11 12/11 12/'I 5 12/15 1?/1 7 12/17 12/17 12/23 12/23 12723 12/23 12/24 I 2/24 12/25 11/27 1 1/27 11/2i 11/29 11/29 11/29 12/02 12/06 12/11 12/12 1.2/13 12/13 12/17 12/18 12/19 12/19 12/19 12/26 12726 12/26 I?/?6 12/26 12/?6 I?/ 7 Purchases and Adjustments iioMELANo Boo n934?no Boo n(334240 Tx 0 'fHE RX HELPER 8882334303 FL 0 USPS 05685400234606574 SAN JOSE CA 285 SAFEWAY STORE0001.2930 CIIMPBELL CA 4G333075(849G82G SPROUTS FARMFRS MARKFT SAN JOSF CA WAL MART 45884 SAN JOSE CA ATILT S116 4122 SAN JOSE CA USPS 05686500134606087 SAN JOSE CA 591 WALGRFENS 43754 SAN JOSE CA SAFFWAY STORE00009977 SAN JOSE CA s83344280685391 LOWES ¹01756 SAN JOSF CA 3542624tl03301'i560i332 HALLMARfs CREATIONS ¹58 SAN JOSE CA WAIGFIEFNS 43754 SAN JOSF CA SAI-EWAY SIOHE00009977 SAN JOSE CA 583350269666741 SAI=EWA'r'TORE000129 0 CAlvlPBELL CA 4633521G0567974 THL IIOME DFPOI ¹1009 SAN JOSE CA WAL MART 45884 SAN JOSE CA THE I-foMF DFPOT ¹1009 SAN JDSE 0'A HALLMAflg CRLAHOFIS ¹58 SAN JOSL CA SPROUTS IARMERS IvlARHET SAIS JOSE CA I DOILY ¹7. 7 SAIl JOSf SAN JOSE CA 0620&3360/5 iv16Y70031/1861 SHI I.L OIL 574 I IS&J1408 CAMPIJELL L.A Lldmx" S HALLMARH SHOP Silt'I JOSF CA Till. RX Hl IPI R 888? T(4303 I) 4969 5069 2851 0700 8958 2208 0203 5917 542? 011.1 7806 3284 0790 0028 2222 1892 6899 8790 7903 5 i32 7252 6371 1898'.M 4923 4923 4923 4923 4923 4923 4923 4923 4923 4923 4923 4923 tl923 4923 4923 4923 4923 4923 4923 4923 4923 4923 4923 4923 390 00 69 95 5. 70 10. 89 2.49 ?4 72 134.0'i 1 72 10 86 4 89 8.08 108.81 15 63 9 79 9 81 59 93 32.05 25.00 17 60 20 al 13 03 5 00 28:IIS t CJ CJ 51 078 84 1?/? 7 12/2 ( 12/2 ( 12/27 1? t? 7 'I?,t? 7 12/27 1.2/27 Interest Charged Intniest Charged on Puich* e Irrlprpsl Ctiargpct o(1 Rafa(it.p. Transfers Interest Charged on Dii Delrgchk CastiA&lv Interest Chm red on Bank Cash A&lvanccs TOTAL INTEREST FOR THIS PERIOD 83 47 0 00 0 00 0 00 $83 47 total fees charged in 2013 Total interest ctlarged tn 2013 $3.71 $523 47 , rl I(lit(st(ill(' r'll(1111', otrllall tru e'uli r 083 Youi Annual Percentage Rate (APR) is tlm anmial mtc rest rate on your account Purchases Bakance Transfers Direct Deposit and Check Advances Annual Percentage Rate 11 744V 11 744V Cash 16. 99&V Promotional Transactioii Typii Promotional Offer ID Promotional Rate Until Balance Subject to Interest Rate 88,371.78 3 0 00 3 0 00 Interest Charges by Transaction Iype 883 47 8 0.00 8 0.00 Bank Ca h Advene s 19. 248V 3 0 00 8 0.00 Apl& T&pa Dc&muon» Daily Interesl Hate Type v= vanabie Hate (rat may vary) BANKAMERI CARD CASH RENARDS 10.91 BASE EARNED THIS MONTH 2.79 BONUS THIS MONTH 00 REDEEHED 51.16 TOTAL AVAILABLE VISIT BANKOFAMERICA.COM/CASHRENARDS R&itvi tfcn ill &hit»rr&m iinwimf how to min»la your mon&i better haa nvim I» in m«iv )inpoitanf. No» ron mn tal&r,i&li iru igr f'lir &, nnbm»a&I, biuincml rriue)t)m) an(l t&x)li bi i)iil)ng ouv nr ic ir( bs)I& R( ttrrkionoylialnls i r)rn (&'urrcnllr amilablc in Enllliah r)nly). )Uuh il inkgrnvnllr sf», i fv» r )i& le c in gr i yim np io I i'I r ash 8 )& I& ( lick rho ('a»h if irk llrnli tab m Oo intr r&r .(Iolnlr I4nlung tu gm 7 »h h iik &lv ili i)c) ih np ir) Ird'n. I fr)ye)lb )cur carrl anrl Ihv rail) lark i» put in&oyrn)r acr i)nnl, ltb fr«'or Onlmv anrl 'NoMR il inl )n "cuilr)m& rs.'l nb irn )nore ))mt hankofamrii a t)m '&liat 084 BankAmeriCard Cash Rewsrdrw BankofAmerica ~W Visa Signatures MARK A MESTRESSAT Acrount Number. ~~~ 4923 December 28- Januaiy 27, 2014 Account Information ue (I.tr ulkofun('I'uuI ('oiri Mmt billing mquines to; Iistik ol inluriru I'0 l«i(i)83 I, I'.I P(iso, 'I'X iiy)t)1 3/35 Mail payments to: Jihnk of In(et'Ich P.O. Box Itic)9 tyilrnuir ion, Dl'. I9836 3(010 Customer Service: I AN).42I;/110 I I Si)CJI4(i 3lik I''Y) Total Mttiunutii Payment Due Payment Due Date $ 188 00 2/?3/14 Late Payment Warmng: If we do not receive your Total Mniimum Payment by ttie date listed above, you inay have to pay a late fee of up to $35.00 and your APRs may be incteased up to ttie Penalty APB of 29.9914. Total Minimum Payment Warning: If you make only ttte l otal Minimmn Payment each penod, you will pay more in interest and it will take you longer to pay off your balance. For example. C404M1~&bk:!:-:,~=: 4'-':-'"-'.~..-i:!': '-'':'ew Balance Total . . $ (0.800 o3 Current Payment Due .. $ 188.00 New Balance Total ...$9,800 53 Total Credit Line........, . Total Credit Available Cash Credit Lme Portron of Credit Available for Cash ... Statement Closmg Date Days in Biilmg Cycle .... $ 11 000 00 ....$1,199.47 $ 5,500.00 $ 1,199 47 1/27/14 ......31 Picvious Balance..... $8,721.62 Psytnents and Other Credits, ..... -329.57 Purchases and Ad/ustmcnts.........1,317.14 Fees Charged .........................................0.00 Interest Charged.............................. 91.34 Only ttie fatal Mimmurn Payment 23 years $ 18, //0 85 $3?4 56 36 monilia $ 11.684 16 ISavings . $ /.085 69) It you would hke information about ctedit counsehng sennces, call 1.-866.300-5 238. () v u( 4'. Accp v erc ( 4 (pv I vu( 12/27 12/27 01/07 01/07 01 (09 Payments an(l Other Credits BAL ADJ/t/WWW f LCI CO U IOBEIGI'I TXN IEE BEIUND LOS G/ITOS ACE IMBDWABE LOS GATOS C'I 0?8?96 0527 0527 7457 'l923 - 123 79 - 3 71 -? 07 4923 BANK OF AMERICA P 0 BOX I50I9 WILMINGTON, DE I9886-5019 Account Numbm ' ~~ 4923 New Balarwe Total I'otal Mmmtum Payment Due I'uyment Duo t)sile $9 800.53 .. 188.00 02/23/14 MARK A MESTRESSAT I 455 LLINI«IG DR SAN JOSE CA 95I)8-2325 F(iter payment amount $ /7(eusep c( uc.a//co(ccrc M c, /secure( vs c M (the p I 4 Ihypurctepkpuyeht t a k IA e ce L 'I 239'85 (MPOft TANT (NFO(TMAT(ON AC!OUT THIS ACCOUNT USC81 t Pov. DB/1 3 CUSTOMER TIPS FOR DISPUTED ITEMS i&dnyii & .1di&i i»J tm ce welfgii » &1, Ll wt & !liar m'I t Icv''i( i I rc & c»e OI »'&&I& I&b(1 tv» (' Lpl u»fw!L &d(I" " If »I»'1";! 1,'','"'&'!»v&!»x&g& & v I Ik'iicv! '"1 &r(I, ~ 's&t'('\".»,»1&»1 111.,1c&rl,rn;,'&ax rx»i c,&d!'&r'Ic(a»'1& &1,w»r '."..ipinrL&igi p;tircttrnr ~ Nas a credit posted to your account t :,. i!iic &Ii 11&'r in!I r -, !» f ai i» it», lmr .:,«;,. !rn(N» "i, Ir!Cr &1d &. ((n ''1 ~ fs the charge or amount unfamiliar& Cir(kiw!I C I &'( « iv w to i CI! .' '! e&(, ui'tmn& kcs'i'c dict r!iitrin!n a',. atr &i rvs(: isa(W!Cr, nti a& J &i!t&sin»i (I rgc ." idirk ups stat(v&i'nts &nlnm fyoi dr Atm&ioll;I i Online Ranking '. &vcr&i &»i Ii all i"-i g &I (wit'Ii drloi(ss m& rt'c iicnt of fcu& smtemrn&o& g&vc d & calf Please remember If you find an error on your big, you must notify us no later than 60 days after we sent your first statement on which the error or problem appeared to preserve your billing rights. ONLINE c& at: !idnk&np, Liwdl bi 2 1houis &,!&B!&I "s, "m& ~;:; PHONE 1 866 266 0212 )) 'Oi j&i(1(1 f & «'Iv&(C I I'lv' 1'e I'x I Iv&fl 'u,ef '1.& (" "I n & re&C.'.Irl & MAIL Attn: Billing Inquiries PD Box 982235, PJ Paso, TX 79998 'A'tie» wtn ng 1 le»sr ci(!Cde Your Name, Account Number, the Disputed Amount, lderchant Name, Transaction Date, and reference number f !lie d "puts I item,ind spenfic details t cger(fi ig your r'ispiiic incli&ikng d&ir of ron!dcr vrthtt&en erchantand('&omar hant&resp&n cn(&chir; mr cc Pled&a!'i&(f&rde ail suppnrbnp do&un&enid&on, u 'I» ir Taste . no crr r& t !ouch(&k ccrgr«r anrl postage rctuin &err r„".(,1& p ocd ct, r, err. cs PAYING INTEREST W!'1&ll r&O« &1 I,",, x&i r('& I & 'I r'u (I'a&e\ i', I e .Cxl I Ie I 1'i&i &I w&u pdi ",I'e Nna B&ldi m Total i it'll by tt c 'dymcn& i»rc Ddt& an I ynu &vi(t rv& Dn ti. &!v »'(* Incus&v i'dyrnt r I D»c D&t( W iv t beer» d aigmi ui!(iesr w& nildn & Ir n I; L & n( i I f nrxc c it!'r t ai ac &o & it& e CALCULATION OF BALANCES SUBjECT TO INTEREST RATE Avci;,,",. !!Afy Bvld u t&&!I cd I n(l.idmg r v P»&(hasi . !»!(&id&&C! '&\ 0& I'Ionia&&»f11 Dffe' I al&c L» L&s»& I'f n& & liat ", WC lo I us Oy fi 'dt(»Id»fig &rtwlvlwlanrc ': & (s I lay(n tnc 6 li ig yc.,'2 dc'k,-,.&y p c ccill ndarm.;ogctl&cr anr',(&I ms dmp'hc &rc of&»e fadv!&Of&ncc&t» rue nrn r&i. &'f,i»vs v'. m t&d! &Bi 9!c COCalb 1&IC I'&C daily I'd!n loi;vi(li la, xi!I &S &miernrr ''. k! '„".(IC V!e Il!!Ckc th" ttiep&c'vrd ~ o&ysdel(baldnc.",!Nadd no& pacha&1 s ncv»tc o& nt iies,nr'e&L lii»s eton ie"\, rr d I ti,& '1&'r&ct,&ppkcdntn p&1('I»&'iv 'I &&c'! Is I!;ru r!a ly I«i&-, k « ih, (crow( Ilmi. Iles (elo fwi'r!!et!il,ri(1'kti&t&nd!& i&luihng& v& 8 lan&i'rdmte sdndr& w'Cas»Advdr&vmf Yf& mtcu!ate scp ird e 8 &lancm Sublem to in Ir»c res r Rais fn. 8 ldn&c trans'ws Cash Advar&ces d»d fo ca.i& In!rod»ctory or P »motion"I Dlfei la';.n: &ocs&st&na of Balance transfers u fast&(!dvdrwe Weri»&'usby (1 u(»l&tnga(l»lybctai:t rcnrt il Jin'.t»&tdr('n&dnl's 'r&rum&»''l &g&y lc 1 ..dc . &Iticcni'k 1" ~ .; '! Ii( lne;I&r, rint » ,n vc(d I- TOTAL INTEREST CHARGE COMPUTATION Ini »»sr Chaige'» ri,&r clam c..rnpouncled on a nai!y basis Tc r'cmrminc thc "Ierest Clmrgcs wc cx Itipty i deb Bit mc '& it&tcm to lnrc!»1 Rate by irs mpli(dbNDiily Pw . i!x I!t r &n (that ANt&srnultipbed tii the run&b(r ofday. &»rtie br in&1&;clc lodct rrmr« tnc'.Orat In ries! C tiarge foi Jie hilhng ycle,.(r ac!rl rhe Per iocic Rd e lnrei est Charges rogm'ii r A Daily pr'riodic R te is «!Iruldied by»&vii!mgrn Ann &aloe!r r ritai! Roti-bv fi* HOW WE ALLOCATE YOUR PAYMENTS Pdvtne i sar "!ccv LJ in posted lvi dr»" tl you! arco« t nas tnldt d v(JI d fferein 1 i'(, VCWi!, (In(ate tnC amrun& nf (O»i n ymC» &'iyidt tnt'iC u! il Min rnu'i f'CP& r t 'ki 'st Rpq I&dwr Lc 1 first iin&k do&g lmm&cti. nv riacc at tc& 'I is v at ament & ua! mrri w ri: &, ini* &ev oft(mr To athiini»rimp ymen&D&cmllbcappie It(bt iii&esvc't! «t ri Al'RL t&rlorcb I, &res vth';Ler AORs IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE 1&'I'Lr& ln & 8 I'lc ('J io&" P"; bv P xuc c&vx(LLO&1,&»I'on,i'.t»",'„'.&i '„"'I "x& pa'p'&CI'I f& &Info»i 1 c(u(&I 1& »le t»1m&L»»wt&'I&t lr»0» ocs ('dlr you 'nl st ''Ic', I l drnrxint and:mr ng ofr dc( paymen: I orts» pro r Lrx&n 1 &w»&Id&& ': & «u .ty »'„ r & i; i& fee may apply for expednerl am»ice To & an& r I, &atl »1 befoie the Lch. diierl paymein. ddu kdn e. d &y payments cannor be em!ed o& can(alert YOUR CREDIT LINES 1& e!o!dl(r r"I 1 & ('r &h&«&rum, iiufrtcc't,rv& «I '' rli ',',. r r'vwh'r lor Bar x( ist&fvlv&&m& Cr orafl&&limb( & I Ni&&r c ~ r.. &;.'!c'J (,.c A isa vc; Dv;!I r Couritr r&DTC,COL( Am»nrr& Linc D&vDi ~ ra& Ad:r:, &iv Cas" An anrcs ias» fqicvalrt ts r;i,n&d P&vm."',s,inc! adp (s ':: i MISCELLANEOUS So'ii&r re»id vc 'r 'i(l L'*tl» ns„»so&a,& & 'i»I,(, -,.; .& '.,!!&r r'AYMENTS If your billing address or contact information has changr d, or if your address is incorrect as it appears on this bill, please provide ag corrections here »8"& dr ';;" u '»I!&c ((»1» ( v '."'11'I" .'" '; 'II " '( "'',. "f.' I!f. 1 1CL'I ta;C 1'1 I &' I ' ) '"'' &L I f' II t' I If's ' & '»'w &I CI f,& 11» sr lied»led io occur A:,I!css '&'r L& Work Phone DOG- BalrkAmeriCard CashRenard'ankofAmerica ~W Visa Signatufee December 28 Januaiy 27, 2014 Page 3 of 4 ee'ca r ll Oa re Oa re Deer rpearr Ne Irar' mee Air&a &lri rein/ 01/22 Payments end Other Credits PAYMENT THANK YOU 2231 -200 00 - $ 329.67 12/26 12/27 12/28 12/29 1?/30 01/03 01/03 01/04 01/Orl 01/OG 01/0/ 01/Okl 01/1& 01./20 01/?0 01/Jiy 01/24 01/2 & 01, ?5 12/28 1?/30 12/30 12/30 01/0? 01/04 01/06 01/06 01/06 01/08 01/09 01/11 01/1 / 01./21 01/22 01/?? 01/?5 01/27 ri1 2( Purchases and Adjustments HOMELAND 800 4934240 800-4934240 TX 0 LUCKY 475/ SAN JOSF SAN JOSE CA 06209360757V1BY7002609516 SHELL OIL 57444591408 CAMPBELL CA AT7 BILL PAYMFNT 800.288-2020 TX CM7N4517MYW9001 DOLRIBEL 3823 00038232 SAN JOSE. CA 283364778851103 SAN JOSE WATFR SAN JOSE CA MB CHAUS RESIAUBANT SAN JOSE CA IHE itOME DEPOT 41009 SAN JOSF CA LOS GATOS ACE HARDWARE LOS GATOS CA C28288 SALES TAX AMi 0 00 CVS PHARMACY 49921 SAN JOSE CA DOLRTREE 3823 00038232 SAN JOSE CA ?84007830136538 SHFLI OIL 57444n91408 CAMPBELL CA LUCKY f/757 SAN JOSE SAN JOSE CA OG209360757V16Y700247183il APL APPLE ITUNES STORE 866 712-7753 CA 206ENMPIT MGVVWVYXZ61 WAL MART 45884 SAN JOSE CA I UCFY ll/5'/ SAN JOSI& SAII JOSE CA 06209360757V16Y7002536182 CARL'S JB 7046 SAN lOSE CA HHC 8004934240 8004934240 TX 0 THE RX IIELPER BBP,.?334303 FL 0 6248 7925 9408 0008 0209 5194 52/6 7414 c?253 0008 601/ 5596 50?0 5255 3! 14 1704 0945 5074 4923 49?3 4923 4923 4r323 4923 49?3 4923 4923 4923 4923 4923 rl923 4923 4923 4sl?3 4923 4923 '19?3 390 00 20 00 140 53 114 69 7 06 5/ 40 8.03 26 95 10 58 10 00 3 2G 5 00 / Gl 597 3CJO 00 GrJ e'5 $ 1,317.14 Oi ?7 Oi/27 01/27 01/27 01/? 7 01, 2/ 01/27 01,& 27 Interest Charged Intei est Chorged on Purchases Interest Ctiaired on Balance Transfers Interest Charged on Dir Dep&Chk CashAdv Interest Chaiged on Bank Cash Advances TOTAL INTEREST FOR THIS PERIOD 91 34 0 00 0 00 0 00 $91 34 l otal fees charged in 2014 -$3.71 Total interest charged in 2014 $91 3/I 087 Your Annual Percentage Rate (APR) is the annual interest rate on your acccutit Annual Percentage Rate Purchases Balance Transfers ll 7'I SV 11 7SSV Ban)1 Cash Advances 19.2SSV Darect Depcsat and Check Cas)1 16.99'tv Advances Prornol&o&lal Transaction Type P rom o t i on a I Offer ID Promotional Rale Until Balance Subject to Interest Rate 09, 160 33 $ 0 00 0 00 0 0.00 Interest Charges by Transaction Type 091.36 $ 0 00 0 00 0.00 APR Type Definition Da&iy Interest Rate Type V- Vanabie Rate i ste may imy) BAIIKAHERICARD CASH REHARDS 13.17 BASE EARNED THIS HO&&TH 1.06 BONUS THIS HONTH .00 REDEEMED 66.19 TOTAL AVAILABLE VISIT BANNOFAHERICA.CO&S/CASHRENARDS H'nh )lani Ann nlh lls".. 1& few rh&&ks &'ui g&'I yon uP lo h .', 7&ah l&&rl''hrk &br ('1 h R&ik l)r, Is 1 &bin (h&lm& &r tl &lair lh&nlung iu r I rash girl& d&'ali north up &o f0&h,h&1& pay m&th vr)u& r&&nl an&I &hr i &sh h irk is put mtn vr&nr&rrouni It'rv fot Online &n&l Ainlnlv )4nk&ng rniimmi 1 To lc&n& meir&&sit i&,&&if &fain& 11&1&.ruth,'rivi&Is (Io Paper)«11! You&a&i firrl &«email doivnkrsd pnntahle I'l)lrs ol your&tetr mrnti &nrl r h" &hlr rhsnmrnfi all &n mu pl&&re To gu pap&& I& is, miroll in Onhiir Ihnki&iy,&t &onv hmil«ili mr rir &rom/& nlimliinl inb Irnnl lhv 11 & n I if i &ni,md 'I&& I '('n Ihip & li 088 BatfkAmeriCard Cash Rewards" BankofAmerica ~W Visa Signature'ARI& 4 M EST R F 9 SAT Acrount Number ~~~ 4923 innuary 28. I ob&ua&y 25, 2014 Accounl Information »h&h&.ta&I&kc)fh&n('I'&r,& n)n& Mail bilhng rnquines to: 8;ink of Amrnr,i VO Bm 09?,"ISi Itt V csr), TX 70%8 '),'?:l. Mail payments to. lien?col'Amr nc i V.O. i?ox 15&01fi TVilminr ton, ill', l9835 50& f) Cuslomer Servrce: I.j00,42I Bllo ( I.II00 'lstut&78 T'I'Y& Total Minnrium Payment Oue Payment Oue Date. $ 191.00 .3/23/1&I Late Payment Warning If we do not receive your Total Mm&mum Payment by tt&e date tisted above. you mny have to pay a late tee of up to $36.00 and your APRs may t)e increased up to the f'enatty APR of 29 99%. Total Mmimum Payment Warnmg If you make only the Total Minn»um Payment each penod, you will pay more in interest nnd it will take you longer to pay off your balance For example. n ~ ' New Balarice Total $9 987 27 Co&tent Payment Ouc $ 193.00 New Balance Total .. ..$9,987 27 i'otal Credit I ine Total Crod&t Available Cash Credit Line Portion of Credit Ava&table for Cash Statement Closmg Date Days in Bilhng Cycle .. $ 11,000 00 . $1.012. 73 f5,500.00 $ 1,01?.73 ?/?5/14 . 29 I'ievious Balance $9 800 5&3 Payments and Other Cred&ts....- 'l89?8 Purchase" end Adnistmeiith 283 80 Fees Charged........................... 000 Intoiest Charged ................ 92.22 Only the Total Mui&n&un& Pa&'n&pnl $ 330 /5 23 years 36 montt&s $ 19,148 55 $ 11,907.00 ?Savmg- = $ 7,241 .&5) if you would hke information aboul ciedit counsekng serv&ces, catt 1-866-300.6238 ner w ce 4 'c'Uhr c'e e 'vc, )he. x'&i. e Payment encl other Credils 01/27 01/28 OISPUIF IIIIFRFST CNAflc AOI 02/21 02/22 PATMf'NT 2631 ?255 -1 28 -188 00 -$ 189 28 4923 BANK OF AMERICA P 0 BOX 15019 VVILMINGTON DE &9886-5019 Account Number ~~~ 4923 New Balance Total Total Minnnun& Payment Due, Vavment Ouc Date f9,98 I 2/ 191 00 0:I, ?:I/14 MARK A MESTRESSAT 1455 LUNING DR SAN,IOSF C'A 95&18 2325 L» lcr pdi'n&ciu an&o&ir&t 3 /yee e ci de xp c«rh weep)e e&ex M &the vpp elphswthyp r h xpey » t a n'h e c t,'3 23ii ~ 089 fM!PORTANT INFORMATION &ABOUT THIS ACCOUNT USE811 Rev. 08/13 CUSTOMER TIPS FOR DISPUTED ITEMS Ndny tmvs oiwm!rd tia gp& et»Remi,&lp:I arras it&: i«port r- n ay &I Il ipc&'.nuc &'I I'-'rr&P &ILP& fide "I I \R»I I d Ct, &N* OL n(OI'IP'& ' Rid&&Pure If/ 'l'vv lu&1''Kt &1!k(1 ' tns!11 If'h OI &I! 1&st I III' «'lL&.'I 1'('l & I&si n( ~ Has a credit posted to your account 7 I 8 y Iudr pie;I»I ' I rout 6 iit Vnurhe n&RKJnofCdf',. I & I '&'R&.' ls the charge or amount unfamitiarf il r rk p & I',";I &" p«","ls IJ I ofi cd lr, us( caccyurt to &r Ae 'ute rt!Pyrlirl nnt ninkp '"prpl non&...tr ''ll:!Pen 'Iso!6 I In'pnl Ip an f&'" no,,» ' ifn'n a I opn!5& ed(i(t«r i»seel wfhsimur rhdrge'r met&»!slips &&ir ini& tr &i(KR, r r&;c! !5&» t vrs'sni pm&os&!didos'slo'o&!t oyn&&rarpc&y'I (lire on; i !i i, Iyo.„ lrp& iqr le Dntineganking it! isisl tor ti..!tulip 9 e&l(n Jrlr irss nn:I c ricnr n! !Qir larcnipnt or grve &Is,i call Please remember: If you find an en or on you! bill, you must notify us no later than 68 days after we sent your first statement on which the error or problem appeared to preserve your billing rights ONLINE PHONE I 866266 02 l2 )) o&; r., & id 5 *iv I !ye I« I - ', ir i irf d & 1 fr r nr.. «mt c'( I I r MAIL Attn Billing Inquiries PD Boa 982236, El Paso, TR 29998 'll'I ',;.",'. i,, Ii -".,:",Ii &I, Your Name, Account Number the Disputed Amount, Merchant Name, Transaction Daie, and reference number f the,fnr»t& I ttcrit dnrl sppr Wc netaif. iowrd,ig your r'tsnurc incfur!ing oaies ol ron ar t lvitti tl c ilr'r& hant nc t Ie ine'i!ant 5 r "ponse m path ir; icn&p nkp r:. «»re!» df 5 ip orlirip do&u c mi'ion, nun&Or» sites nri crcpir m&AI'I I, Cc &t&P'.Id« fyo', ' 'I »n&&" ipts as p OC, ct 1&11 'I" & "I PAYING INTEREST Ikb'nff nol 6" 8 I it!'Ip&IL 1''!I'Jse5 on!I'I" 'ILml Idienl'pe I ) Ju pay!I . lhr Dalancr &(nit »If IR I I I C' I'1 I'I lyl ' l(L '«I! (0&! 1181'ntl I fi.'i dic p v&oiis i'erin&'nt Du&'at& p! wi!'Dw irh.rdi;d into est,in L&trlc& Ir,nl"pan dc1!hAdvar el engr tmn ar Inn d;e CALCULATION OF BALANCES SUBJECT TO INTEREST RATE 8 I'I ipp lk& It fir&du& ''. I'n'&l I»& I. di'IR n sr Put«11scnl vlt &,l u u& snw;lr hw I'c 5 . 1&w!'«''I »I&r&nipitefn',!irrt dse i'K! Irn &sirtt hui I,&( (&I oi I'lo'no K nw Qrfpp L'i'dil(e Loi'sn'gofpur&l ises we &lo 8 ~ oy (It rdtcoldung iil, I; hh,.p'Pi &cd,im nl id!ill g",:cr lyl irlrlingdtltlicoiifyhd!arcps!ry Jitiw anr l'SI "... drig;li sumof'h lail,!Iil&n&r ~ I fi'ic K,nh'rofrlnysir:&nebittpigryr c To(at.»f itc llwdaly! anne furr»i div ~ i!I i !tnt rncr tgly»'» „'«ctisvrc tl! take thc &e ',» I"((', 'I J d» d in«*, Pqn I ' c I'&f1&&el:I Udly PPI&(l 6( &UI". »Kilt'f ttieorrrto .Odvs rid&'I'fille ILP U& ddn "& I'Ji has&5 newA( oi& I fees and mpr Tmnsaconn s&7 'r 1(31! *„f&r ml" cd&r'i&»is,.rsl OP&his !Hrt& &Ii&fy t'of I & c i'r « lb in yc rn v&c I ds I'&rmk( !NIP!crt tlpl ioo tpiclinhnp npw Batincr. Ti & slats anr! nr w Ca(h Advent&sf Wr calnitate scps::e Bahrres gob&oct to,in inter! st Rate for 8-fence Trans«ws Cash Advanr s and fw ca.h lnlrodiicloiv or P omotional Qffei balance mnsi "nng of Bdfancp Transfers w(mhhdvd (p. Wpon I'irsto flirirufat nga&lntyti fan of rrdcti&t ye&'!t'&sstdtemer ts r,,l'rdrt: r «1!d" .,:. I; 'I 5 1„; & I OI;I &t'rg&wlrnit 7 ltlrd post ng rip!pe ! 1m'&hi ol 'I'.-:!1!'& I; id &ps loepihp . and! it r, v,feig 'I n i'I ci TOTAL INTEREST CHARGE COMPUTATION lnt est Ciir get a&.n,,&rd.,r .. nywcnNd on i i ail!basis Io dplenneic rhp inter sL Chwr I 5 wc mi fripfy c i I Bald& m 't,-c; rrt lnrcmm l&alrbl it«!peti(hie De&tv P(rior!ic Riu eirltltal "OUii,n»i'l»1», lm Rerun h rrd.fi,:, i'h 6 &ng;;;8 lodetrrmn'r'to(rot& lmercs! Charge!Oi Deli flog(ye!a &r'acr! thcP«.icir Rme fire&as!Qm&gcs tng mcr A Dady Ppriodr-Rite 5« trulaled,"vdird igdnAP los! 'cr ir!p Rm&.by 363 HOW WE ALLOCATE YOUR PAYMENTS Idvine & 5 i ea'd!cd! pi i c! Jiar». ", i!you arcodmriis riot»ines wi I I! ffennrAPtls, v'& I ig c'I& trtc &n r in i,, ' «r n I r & n wc& I in thr.': ta& Mimmu n P& r'» r! I', '. In lhp Rn;5:Al'tl ti.ni &ps&rs& Ii; ': 8 Ib:c& in!( .tris r!J&r,otp .I rs ldrrr'I'I'D I'ayr ic'I t arm uin me &emntyc r R"„klnir mPyn, m Dir wit!bc alp;!In toanrps &»hi»pter APRs typlor& L&1!&secs Iv tn,w A- & IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE pi'rl icin f&C'&I &c I ',"I I n c»' I IC» 'I 'm you 8:», ill» yon fill & III I'Io 7'h('&l(snn PI &1 '& 1»nr JI ':I'&i&&el. I &I&!I( I pro Pun I, " 1'&v&8 dsK ' SPC!Pnv PI O&nldu&'n fvr rndyappfyfrr.rppci!pdsrivicp lu&anr I,cdflusbrhiipt'iescf duierlpaymetqddt& hane- day paymcnls car not Le erlited or ranceled YOUR CREDIT LINES »(!i!bi, Icr'1»K!,1 I&a&I»;': (2;, h,Ben&,fnu&,vfv!'psrmisis ofniV!«PIR(!»acr"R cW r'.tir'C,i nr:SIC!„".' I « '.I lier. i'.':,'lrl& rl-i- Q&pnlr. !II'rorw r MISCELLANEOUS ( Pdjdi. '. 7'i1 ' In& 5 lrirnl(!i!nip" I" i&r! d PAYMENTS If your billing address or contact information has changed, or if your address is incorrect as it appears on thts bdl, please provide ag corrections here Id I . I .' ' ' I I I P I I v '1':I P 171 I ., ', ',6 ~ n 'I Ine I P fl le. 'I of!POI td !'I 1 ,I .!nonvi-,« i!,-i;5«"«res nv»nl fr" Lp&tt irxdnn» ai r» p mrldi e riir'ss »1 n& r t 7& sr!iectofedio oroir Work Pnone BattkAmariCard Cash Rewards. Bankof America ~W Visa Signature' ~~ 4923 Janii*ry 28 Febiuary 25. 2014 Page 3 of 4 riel earp n pearl lr I fir. Deie Dale lyl leer Nrrrir Der also nlDerv'. firn rcl I 01/31 02/03 02/03 02/07 02/I 8 02/20 02/20 02/01 02/04 02/05 02/08 02/20 02/22 02/22 Purchases and Adiustments ATT BILL PAYMLNT 800 288 2020 TX 4WXN46J7MYWBH04 WAL MART 45884 SAN JOSE CA LUCKY ¹757 SAN JOSE SAN JOSE CA 06?09360 75 I V16Y70022 3 7988 WAL-MART ¹5884 SAN JOSE CA WAL MART ¹5884 SAN JOSE CA MR CHAUS RESTAURANT SAN JDSf CA QUIK STOP ¹0034 QBD SAN JOSE CA 1(21 7934 7941 4941 1253 0 l56 0798 4923 4923 4923 4923 4923 4923 4923 140 73 42 28 4. 75 39. 46 34 52 7 06 15.00 $283 80 02/25 02/25 02/25 02/25 02/25 02/25 02/25 02/25 Interest Charged Interest Charged on Purchases interest Charged on Balance Transfers Interest Charged on Dir Dep&ehk CasiiAdv interest Charged on Bank Cash Advances TOTAL INTEREST FOR THIS PERIOD 92 22 0 00 0.00 0 00 $92.22 iotai fees chatped m 2014 - $ 3 /1 Total interest charged in 2014 $182.28 Your Annual Percentage Rate (Al'R) is the annual interest isle on youi account Purchases Balance Transf.rs Drrcct Depost.t and Check Advnrlc s Annual Percentage Rate 11 74vV 11 741V Casll 16 991V Promotional T I' I 1 4a C tlo II Type Promotional Offer ID Promotional Rate Until Balance Subject to Interest Rate 59,EH7.07 5 0 oo 5 0.00 Interest Charges by Transaction Type 592 5 c oo 5 c.oc Bank Cash Advances 19.244V 5 0 oo 5 c 00 Al'R lype Defm lions Da ly lntcrost Role type v= vanabie Rate irsle may 4 yi BANKAHERICARD CASH RENARDS 2 8 I BASE EARNED THIS MONTH 1.51 BONUS THIS MONTH .CC REDEEMED 7C 54 TOTAL AVAIIABLE VISIT BANKCI'AMERICA COH/CASHRENARDS 091 (io le&pe&loan! Yon c&n I'rml, &cu, &nrlrloanlr&arl pc&nttbl I'Ill&a ofy&nn at&tcmcnts anrl cbpible &lo(mnrnta all in one plarr 'I'oar& l»pr rica .cmr&il &n tlnimr. il mien f &t &c&cn loni uf &mene & 'r&mrunl& nein&nk&nk. I'inrl tl&o ar'& r n leaf tcun &nri r ltck (lo I'el&eel& ar". 092 BankAmeriCard ~ 0-hRew.id'ankofAmerica+A ViSa Signaturee MARK A MESTRF SSAI Account Number. ~~~ 4923 Febiuary 26. Marcti?6, 2014 Accouni Information h \i ii . I ) i i i k ii I ii i iih i'it' ( c iii Mail bilhng inquines to IMnk iil'.Tnihrii i ttli, Biix SS'!"I. ), TX 799Iks 23)Si Mail payments to Il,uik cf .1 mui it4 P 0. I)ox )ZCI!I tt'iimmk ron, Dl'. I phhfi ii01 0 Customer Service: I SCO k!1.!I HI I I .Si)i).'N(i!Iiik 'I TN) New Balance Total Current Payment Due .. ~t „~/4','~~ ~,i&~i)'r,'". .$ 10 362.5i $ ?00 00 Total Mmimum Payment Dire Payment Due Date . . $ 200 00 4/?3/14 Late Payment Warning: If we da not receive your iotal Minimum Payment by the date hated above, you may lieve to pay a late tee of up to $35.00 anti your APRs rriay be increased up to the Penalty APR of 29.99%. Total Mniimum Payment Warmng: If you make only ttie Tolal Minmium Payment each penod, you will pay mare m mtcrest and it will take you longer to pay off your balance, for example. WWM Pieviaus Balance...$9,987 27 Payments and Other Credits......-194.51 Puictiases end Arlhistmants.... 47? 21 Fees Charged .............................000 Interest Charged....................97.60 New Balance Total .....$ 10,362.57 Total Credit Line ......... $ 11,000.00 Total Credit Available $63i.43 Casti Credit Line.... $5,500.00 Portion of Credit Available for Cash.. $637 43 Statement Closing Date ... 3/2G/14 Days in Bilhng Cycle 29 Only the Total Mininiurn Payment 24 years $ 19.890 5/ $343 18 36 months $ 1?,354 48 iSavinl',h - 3/,a36 19) If you would like information about credit counsetmg sennces, cail 1 86G 300-5238 1 'rp 03/03 03/? I Payments anti Other Credits WALCREENS it3754 SAN JOSt CA PAYMLI'IT . TIIANK YOU 90G9 22G2 4923 -3.51 - 191 00 - $ 194 51 4'i23 BANK OF AMERICA P 0 BOX 15019 WILMINGTON, DE 19886-5019 Account Numbct ~~~ 4923 New Balance Total Total Mmmium Payment Due Psymr nt Oue f)ate $ 10 36?.57 200 00 04/23/1 it MARK A MFSTRESSAT 1455 LUNING DR SAN JOSE CA 95116-2325 Enter payment amaunt 3 htp I ih s coupon pinna with yp r chuck p, y, hie t e nh is L'3 238'93 IMPOATAIVT //VFO/YMAT/0/8 ABOUT THIS /(C COUNT USEB11 Rev. 08/13 CUSTOMER TIPS FOR DISPUTED ITEMS Mdn[ tmwsrhs[xrrclrlwrpeswplcg Iin,nr. &[dig";ndt & ic!)&inc "I wri I,c r«n/ ' ':-'IT" nbi f)dfn'I'Ihcth! !!g I Ctidrflr' L Ir & Ic I"!v I I'IJ; T! 01 ", I'.." I"'L1! n i&",!ioric rrd( oh r snkr v «d spit. 1lor 0 rhurit rh! ', Pir dr- -,,)i ir. a :". i[,r nr hithng clateopnr ~ Has a credit posted to your account) [ur.pc& )'v!!010 3 rdw! fr'rn!APJ Ip!v:/rrur Ipd ivor& hr'«v, elms&'NI':1.'' 'r ~ fs the charge or amount «nfamiliar) ilir rk!Yi I 0 ta pc»-:& iic JJ!I'. nrec musr Ihe Jcraunt!0 nhiit cii 0 t'Th lirf nnlrprcc '!Ice'heft';puccit'r tti t i!a nenl n" hi pi I uc I'd:I; r "cr &c an'mir!1 t r r dsi y bi con[& st'8 !vith si r tdr !large r in.li dc I p. 'I!I&!vavlorhcckfo; Ili c pgtc&i Io Yew I dna cli irr"„Jc . „. 'r.l.. Vr!, dr.r 0: Ndrenents ) hrre rfyai die notrnr)hml i Online Banking ir r. rrra!;Or r;80, «: I.l r I!r! arlrlrcas on 8'0 i! ont of vcur staremenr oi vive u a calf Pfease remember: If you find an error on your bill, you must notify us no fater than 60 days after we sent your first statement on which the error or problem appeared to preserve your billing rights. ONLINE PHONE ~&) '[.866 266 0212 aj oi rp",prew hih)sr[ave! I r! i hi I:phlrcnrr "xiii r"(s[.rr, 'cihIrk) MAIL Attn: Billing Inquiries PO Box 982235, Pl Paso, YX 79998 V/Iit ., n 0[! i i lcrlc Your Name, Account Number,the Disputed Amount, Merchant Name, Transaction Date, and reference number uf t[ie 1 r!Mi [ i!em dnd sperihc details ir'g!rrk rg your r!isnutr, nclirdinp (lair) 0 r unrest wi it! thp 0 r I & 11tit atnd t ie illprctidnt s Ip)ponce;n each in.Id!1&&'lop c cclr&k ail srrppor!inp dooimcma!ion 0 cmchr 8 sate i(I&red!& voudwl', ccr)t & I Puef 00'Jgc I 'IUOI It" Lrj'tc d. f'I I I cf lrn !co 'rls PAYING INTEREST Wi wil[not rlwil[c intcir cm) i ou c[ ases r. i t.. nert st)w 0 ot ilvod pay!I ." N 'r Bear&. '(Ot)l ~ i [8[ by Ihr Pa/rnCm i3ue DatCC anl yon tied uaid r fi 'y;!ir P;,"Wo ic i')Nim!SI Diri (h)tr V/ in()ORnrth!rging interest on ha[ance lrdns/0 c,i d() 0 Ad&dr;rs .n r, tr) ",Ir;io i cluw CALCULATION OF BALANCES SUBJECT TO INTEREST RATE /ii ia& c Dail/ il![ancr. kliptlind ltncluding r; 'h Pr ~ et!ecch Vi" &J[ 1&JI(')cpu„tptld'In(Ps'ih]c(II 0 lnnrvrhIRJIcfr'0, rfhl 0 .':Idhl p! I hitrOr! !C Orr rir Prmnu&rOndl Offer ba'dnr, Conl!S!!r g Of Pur! I JSCS We r!O I'! d by,'i I r Jh& tdiirt, irlaihbahnr I id) I IJTHnt'telxlvng yrc f",)cdrn ahtli ': iyr 'an«wrcgct[irr )rrtr'„ r... Jhig:twsnmof !her[sits bat))0 s by!'1& m mr,. I of lave a: rh I»'i igc; c [0&)l ulirc hwdaily Iaan for eaclirla,»n&i i s )ter ipr ', b [rr B.vc'c rl mkc ttir. l')cgir rrrig [,,rid;Ch.p! )id dr! dmnur I equ., !aire c[ I li 8 I 0, i',. 0 i OAC Rm;i,l p OJ'V tllr. prpvin;r n)vs da ly bald)&e,! [I add r c! Purchases npvr I'&coo I (pec )nr; Je!c;an!act on "Jc. )nrt I/r 021'rat l )PPhcdbl,;!sr) i t. Jrul crerliis liars &wh t ».n«. i I!- c;ban )c 01 c I'" 't II ds !pirl Ai'I'iag('ala rce trip mod iinrtudrng new Balance lrdi sfr rs In(i ri ic ( Jsh Adv. «. ini Wc catculdleseparateg)[ancesgubieotoanlntrrps[flalefo 8 lar'&c [rani's C.isti Advances and for each Introductory or Pro notional Offei bd an.e & Jn«sung of tl i'ance [rJnsii rs u Cash/idvdr'rc Wedothrsby (I!rarcirlrtngatl)!yb lair r:'.r !arri Jy nil!Scr Ir.-wr!s tl .) !.)rsJr; Jr rl Iu:) 0 toc[ussldrpmrwl'sh',inp &h tr,;" nr pm! "(1'p,cohcrhlr!" ( NI l,ll)i! "S,I)0. I;» r 11:rd r TOTAL INTEREST CHARGE COMPUTATION Im" otph gecdccn arda & cornpowidpr!Onadai'ybasic Iorpt rminc thhlntpr sr C herr ca v r rx [tin[ye t. 0 Balance 5 i(!lect tr) Intr & c& Rale by itc appli dblt." Batik P rmd c R)u ,mrl I "OI;Lh ic hid[tinge I 0) tlw r initic r nit[a/s 0 lhe 0 I rrw &)rtp Ic detr rn! I Inc '.Of)'mr irw I titrge lor tlie bihing yc[e,.c add t!ie I'criodir Rate [nteiect Charges iogeuier / Jail; Pr ra de R I c N&u[ale lb)vdrvidpiudn Anr. Ol "ercentaep fl tc by 3(rh HOW WE ALLOCATE YOUR PAYMENTS rs'n rnl s rr! 00 Ieo tu post&&t o!Nnc" Il /0!!i dccour'I hds baldi res wi!h d ffefent I!P!Is ,vr Ye( ago&rip I",!!Or rri:; I;nrr I ymp i.( 1 "I tnthr ctal IMhiirnrp! P) riprt0)& t- 8; h)ms! /!PR bw)r res f r st Irnr luhri 'r) w)co( ns n t x'r'trer ',Hs smtr'r'a;*rrl& Pavr'!Cr'I ani..&r!ic't! ecsnt ieur iah Ilmtvnm pa/mcn!Dr pail[bc pphpcltobaianrpc rc't higf rr hi&Ps IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE Wi'crr err,,: '& 0&HI„ra I !y I!' 1. 'c c !Yl!r. Toi, JJ!I ot c !Is I( rr'eric la":;in r'h( ;,C Ci lfrorr 10. ra«)u I 0 cire.roan&ra! m ti'utmrl ruu deupnim Yoiino)ta& Inm 0&he : nauru arrl:m i ituird r p sm ii Iriryirri lrorp Imrcivmwitlas«ni c& !irty "I«'irnltrlirn 'pr nraydpplyforprpecilp1s rvice lo&ancel,cdt[ucbel'or thesclwdu'e&lpaymentdmp. same 8 l' lvr)le&Its cari'10! Bp pd! ILc[ ol ( x )et'lt'd YOUR CREDIT LINES '. &[i« 'PI " 'I"*.I" '.'tr,,ht iVil ['orn'Jt 0!)r Iirrrui i 0 Ivd , "hr 3)r ir! . I Aim i&'r'«pt)tticBunki sl)Arlv)rin,!Sc uir!iM(mhh *:,1 « O. Ir (J «I:. '",f Alvwrrc hw!v Ill)Orch'(hisrirslvdrpp Ore&,lipi!Prat&&; 0 MISCELLANEOUS PAYMENTS If your billing address or contact intormatron has changed, or if your address is mcorrect as!t appears on this bit(, please provide all corrections here. I' [3 sr' lrl me tm!r !1 cflYLI('pL Y 'I'I 01 .",',O'c 1 narc!''rr"'I!ii J I'I slwer r!I'I'c1 rl( 0!I nab 10'c j1&TI C rrr ' r'n * r'I '' '& f J '.'''c' 0&''.'IJ ( ',* d)yc I O'' CCI ,". "!S*pc J!Pr no&cur "n hpcks old(IS), r,»g I"; ': thd fld&'t&hi )''!cr» is!I(I'' Irs I! &ust!6 ": I':s &;«o I);"'('w )Ir!:: c;!Ir'I '.Oi srhedu [ed to owur 8& pr( icr.cc vVoik fh)onc BattkAmeriCard ~ Ca.h Renards- Bank of America+A Visa Signature" Fetiiumy?6 Ivtaich?6 2014 Page 3 of I Dare Dpi De((np(on Re(pie( s N( see( A'moer Am(cpn( rip/ 02/25 0?/2G 02/2 7 02/28 03/01 02/27 02/2 7 03/01. 03/03 03/03 Purchases and Adjustments fi)L RX HELPLR 8882334303 FL 0 HHC 800 '193 4240 800.4934240 TX 0 WALGRLENS //3754 SAN JOSL. CA OOLRTREE 3823 00038232 SAN JOSE CA 5840GOO. ?569019 WAI r;RFENS 6?95/ CAMPBLL) CA 50GB 8901 8718 0001 8983 4923 49?3 4923 4923 4923 () 5 3(ie 00 4 49 3.26 4 51 $ 472.21 03/26 03/26 03/2G 03/?6 03/26 03/2G 03/26 03/? fi fnlerest Charged Intei est Charged on Purchases interest Charped on Balance Transfers Intetest Charged on nir Oep/tehk CastiAdv Interest Charged on Bark Casti Advances TOTAL INTEREST FOR THIS PERIOD 9/.60 0 00 0 00 0 00 $97 60 total fees charged in 2014 total interest ciioiged in 2014 -$3.71 $279 88 fmp( il nit X(itirc I(I'frrliir 7(I/H lh( pro(irfr 1 fnrihr romphmrnt uy'trnrf, rrtiif An(f a(1(stanrr honcfitsmi yonr(md arr(mnt Niff (hmgi. For cmnptrtc lrlul ul(t unlfnl 0 i t(16 I It uuu Il u 'hunt I'nl iuun( 'nlrl'(uiu Ol'iff Ifu'l(nit)pron lfi( filet Of Vuur (irifu (11'(f. A li ll u a I Percentage Rate Purchases Balance Transfers 11.74'IV 11 7'ISV Dr.r t Deposrt and Check Cash 16 99AV Advances Your Annual Percentage Rate (APR) is ttie awiunf inlcresl rate on vour account Promotional Transaction Type Pron(et(oust Offer ID Promotionat Rate Until Batance Suhfect to tnterest Rate $ 10,463 36 $ 0 00 0 00 interest Charges by Transaction Type $ 9i 60 $ 0 00 6 0 on Bank Cash Advances 19 24SV $ 0 00 $ 0 00 AptiTyp- Li ln:on D iu nl rc 1 9 le Tylm v vp u bl.. Ral usta inayvaryi BAI(KAMERI CARD CASH REHARDS 4.68 BASE EARNED THIS MONTH 00 BONUS THIS Hoi(TH 70 54 REDEEMED 'I 68 TOTAL AVAILABLE VISIT BANKOFAMERICA.COM/CASHREHARDS 095 Oo I)i perl& uu! \'r u can& fmri, vien, in&i &tnivnlnurl pnnt iblr: I'l)h'«ol vour uuucmrnt& rinil r liptltlo rior umrntu. it) m oni pi, cr . I o prt p ipr rlr «r m nil in Onlmr. II ttiktlip,it ri«iv totttkrtl tinct'irti otiu, ottli&trh i&iktttu I lttrl lhr'to&'11 lc tf I& o&t ti&itl r hcl& I 0 I)tlirt'Ir, \ . ,in&11 t)tr Iinttli &tf Lrttr 11&' Ottltllr Ad«i ori I'it«I. I'ottr li'&'rll«ict i&it) I« lp ttv )mt i'11 wit«I u& It it&tint I thht Itirt ivh I u& r rtttlrl &Iu ht II«& Itv uk«i &11'olt r lnmon«. m ll tircltptttlrt ir iinri h vriir id& iim tnr«rl i& liminf«mrvii tr imp«lii & op in I 096 BankAmeriCard Cash Rewards BankofAmerica ~~ Visa Signaturee MARK 4 MESIRESSAT iiccount Numbei ~~~ 4923 March 27 Apnl 24. 2014 Account information ee1i 1)al)kofsini'I'll'il.l'oln Ivleil billing inquiries to: lie)1k of Amcriisl I'0 Bnx IJ38 '.. I.'I Ps. o, Ti 7%98,'?315 Mail pay)ale)its to. lienk of)1 merits P.O. Box lriolil 'lyilminkton, Dl'. 1%36 I)010 Customer Service 1300 4 '?I .:.'I I I) I 300114(uil rk TTY) Total Mmimum I'avnlent liuo Payment Due Date.. . $67 00 b/23/14 Late Payment Warning. If we do not receive your Total Minimum Payment by the date usted above, you rmay have to pay a late fee of up to $ 36.00 and your APRS tnay be incr easecl up to ttle Penalty APR of 29 99%. Total Minimum Payment Warinng If you make nilly thc lotal Mlnnnum Payment each penod, you will pay more in interrst and it will take you longer to pay off your balance. For example. New Balance I otal $882 03 Current Paymerit Dur. $67.00 New Balance Total ... ...$882 03 Total Credit Line.......... I'otal Credit Ava)labia Cash Credit Line Portion of Crodit Available for Cash ... Statement Closing Date Days in Bilhng Cycle ........ $ 11,000.00 $ 10,117 cJ7 . $ 5,500 00 .. $ 5 500.00 .. 4/24/14 ............29 f!4%4~&M!NA Previous Balanre ....... $10,3G2 57 Payments and Other Crerkts.....-10,000.00 I'wctiases nnd Adpistments..... 459 95 Fees Charged ..............,............... 000 Interest Charged ...................59 51 Only the Total Minsnuirl Paynlent 4 years $ 1 070.93 ff you woulll like information about credit counseling seivices, cali 1 BGG 300-5238 rla )alai)all pose)is Nalare ica Acres ir Oars Oars Oasr iaa«i N Isa) N)a)ice A )o 'll 04/12 Payments end Other Credits PAYMFNi I HANK YOH 2280 -I O.OOO OO - $ 10,000 00 03/25 03/27 Purchases and Adlustments TIIE RX HELPER 8882334303 Fl 0 a072 4923 tf 923 BANK OF AMERICA P 0 BOX 15019 WILMINGTON, DE 19886-5019 Account Number ~~~ 4923 New Balance Total iotal Minimum I'ayment Due fhlynleilt Duc'ate $882 03 67 00 05/23/14 MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95118 2325 Fntl.l pnylne)11 anlount 5 I a la ror pl ng I, I via caress ar I'o» a Plea 'pi naeaarciarl I) raise a arsasda 1 9 238'97 IMPORTANT INFORMATION ABOUT TRIS ACCOUNT USEBT 1 Rev. 08/13 CUSTOMER TIPS FOR OISPUTEO ITEMS luni!i ..",disi, &lr!rhl sr pic xhitr ",itpclaifpstlufci(r«prs rav iit rco nue ('w 0&'I s n 0 .'&, '1 'I"''&lu& ill I i . ih! !I ttl fn lit&Pc '1& 'a l" I pnckl I! J )'I'll!!f ~ Nas a «red!t posted to your accountl ~ ls the charge or amount unfamiliar& itic;kvimrvc fir ois..il&nrr!Il,ii Br,v uupttonnxesuipl'ip rfidiinlmak* wi'erin& &1'I v'&5 im &pph sr dnnln . n& tir t I!ark(, r & td& r'et&ps !!Ip&ui;;0(':i I(, ".'(.,'';i';,lml,n-,«!iclr&mxh '.,;; inll'pil;&ra& u fyir, ip t r. rnlhnla OnlineBanking it«cc I mw icg&" i;,fir 1 tr. le!dress on!I r iron! a', ymri smlo imnl or give 5 a ml!f Please remember: If you find an en or on youl bill, you must nntify us no later than 60 days after we sent your first statement on which the error or problem appeared to preserve your billing rights. ONLINE PHONE I 866 266 0212 )) «ol; firn'li'I'Iv«Af 'la!el'-\'I'I I'n hl' I'l l. n ' II" I'I wsuil rol tl!'& Isl,"'sl vl ' ' I'I MAIL Attn Billing Inquiries PO Box 982235, Bl Paso, TX 79998 &A'ip & w&,nk;Ifpaw tncknfe Your Name, Account Number, the Disputed Amount, Mer«hant Name, Transa«tion Date, and reference number «f lhe Jisrli tefl noftl a&&0 spe(l x d!'!Pd. regardntgl'ou r &sl ulp I lchxhitg 0 lt(" of ronmclwittl then !ref lorna&i&!'1 le iuprcnw! 1 r "pun ( n each ir& iixc PI ase inrlude all sup icrting r!r urnei;a'ir!n rnnur irb sate . I rrlmt. 'ion& hpr1 &util&a(la& 0 po'u p rclul!I'p c 9 ls as p 'i! Cf ini,!!, ns PAVING INTEREST Wi mll nni rim ge teip(i p i Op ll a!pup i:h& pxr simwivnr i'you lay'.I e Ncp. Balai m fntalalf idbl dense!i ntiii fl,;evenly uhad'I!xi i:ti.'hi r!ic p Pv msi'lynx'nt Due01!e Yl vn!'0;.!cia i&r,g iruc p r&nri Ipn« li, n '," 1 !vlf,v.tie 0 rui'son 'lip rrinsar ion dme CALCULATION OF BALANCES SUBJECT TO INTEREST RATE &itlildirr cil m!&ior Iio t 10it- I I inc! (ui stp n, oir&urllas 1 we dolt!soy iil(ai ulalinx .1&laiiv h li&r& n r ud l..i I i« 0 Ip-p G. c r,",,tr!rhng i!I !lie c!pih N &an "": to.;ptlicr n&i(lt r'v Jt 0 I &, iriof 'p lail! !v!ix& 1& t tl, nimn rr '! Is rr the bi!a!pry ic Trv ilmlau t'i«A!&Iy! !w c !m(acti&i!, xi 0 i s'al rirr!PI fmg vcl, rc. f1uakptftc the prrvnu oavsdeiyb lair, i'I'p!Jr!,:vox(&ia ps rimi le(cunt rr ra,tin iris i &nspcton .PJNfs&v x:tppfx,ou c,:,r t ar i. elis! prr rlplliv &in«sip«limn& rovrp 1 apl &t 11 "I&i Air mba kal xr Mpmol,«& lulin re «fi lar rr Irur sle sarxlniwdashkdvarx& Bf Wp calruiatp. epwmp. Baunr&." Sublpc! !o an Int rr st. Ba!c fo' lance Trans!its Gash Advan&es and fo cviil lntrodixlory or I' rxu&o&xd Olfe& bga&ve ronsis!aig of Balance lronsh ri orCashAdva:re= Wprlo ilu by, ii;.rule! npanailvf «lane i, res& i;rlaNnrf i«slate ier la TOTAL INTEREST CHARGE COMPUTATION Inl eel Giaiges era&a'ands e compounded on 1 oi!v I osis to&'"nrrnaip t« intr r st I tmrr'as we &nr limtyen I Bal'1 PSubicrt nil&up rsr harp &xi tts lpphal'& Daitv I' r 0 c k!!r arvlltvt i«his mirhiphedhyrhpr rrnihci o'lys nlliell irk&,ilp lcd ri&rrpi I ni'n!mes! Cfkvge for the billing rycle, 1! ac'd the I'et &ca k I!Pli''np&psl! nalg&'1 I«l'lpl'lt'I A'lh Prr&odirkate&sialrui tedbyclividmgananr:ol rmritap, karebl'36& HOW WE ALLOCATE YOUR PAYMENTS Payn e iia a e al'OCaled!O POSlert ',iialiCPS If yu i, srCOunlnaS balai ' WJI d ftvrCni APBS wiw& l,ig xate inc«noun cf ye ir upi net! cn ial rri!'!r «el liat mix 1 Ph " 1'apl. !',p I iwr1! APB bear &as hrs! Iimlcding i&alt«a&tant r iu . arr." 'his '*.;..: i «r' 1 mr rr ar iui, i s rn ex(ess of ycur io! .'ltni stum p inter:t film ivrq t c app ic:I rp 011 I, e, i: t I;t & «lpk( brllorr b!kmc.es 1 ui loispi Auk. IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE palmei tfromioilra «nun!an .!ic,!indi(11'irnr:u'pi.ou:ei An Yoi ":ul alii "& anmnnrarxi:&lirtgofra 0 fml'!l1 n. I&xi'nl&n jn. Pllxxi 'I'I III. 'I& I .'I& If "llol 1 I &I fee mayapply for xppcilpclsr.rvice lo aiir I,cal! ishefniu thr sctxlck le ipaymcnr dali day palm«&its cannolbe pnited o. Canceled YOUR CREOIT LINES il'piou&!Cr utl rex tt, i: i. o':! ,veil! Ir lot Bait!'!helm!ms I;nepal, Ip" I fain;ik i '. n(",&'N&a( !,Ii „ Cis" rlonincrs Cpchro&,«clrnr '".;nppnav MISCELLANEOUS ron" ( &1tsu rdmd limn".;rid tn flA&n 0 -: PAYMENTS If your billing address or conte«t information has changed, or if your address is m«orrect as it appears on this bill, please provide ag corrections here ,&'1'fe&p,nluapcp!I iur 1 m&.'I Ial Adit est I 0;Idr« l.. sr.heduled !o ottur !a:c vyo 1 k i h 0 "lc O38- BaakAmerigard ~ C-h R.wside- BankofAmerica ~W Visa Signature" Marcti 27- Apnf 24, 2014 Page 3 of 4 ( vs&Dc(s') PD&( if Pere cc c 4CC''(cOc(c Ocsccpcc ) ie v('c (Ws le( kc)c )I clel 03/25 03/2/ Purchases and Adjustments ~ HC 800.493-4240 800-4934240 fX 0 311(9 4923 390 00 $459.95 04/24 04/24 04/24 04/24 04/24 04/24 04/24 04/24 Interest Charged Interest Charged on Purchases interest Charged on Balance Transfers Interest Charged on Dir Dep&COR CashAdv interest Charged on Bank Cash Advances TOTAL INTEREST FOR THIS PERIOD 59 hl 0 00 0 00 0 00 $59.51 Total fees charged in 2014 Total interest charged in 2014 -$ 3 71 $~339 39 ''vdIf;vI I: ma~" ~&,,mccvmcm I'have ceil( iv lho cnr'fuvr &I tmcnrhmnt to vonr I'rcrht I Irrl (tgrc(nk nt md yunr emmet "Bithn "Birtn&'n(l "t'ni ici "I'otir&" infi)rmiu ton fni cour account You (nfl,1 fvo I c) I( « Itu Ilik I'111)liuil (i)if)lie It lou tiki c I'& lsii I'& 4 1'()ll'i c )))in In niitirl( tt 1)itnni . Your Annual Percentage Rate (APR) is the annual interest rate on your account. Ain)ual Percentage Rate Promotional T Ia 0 vs c t I 0 n Type Promotional Offer ID Promotional Rats Until Balance Subject to Interest Rate Interest charges by Transaction Type Purchases Balance Transfers D r i. Deposrt and Chec:k C.ish Advances 11.741V 11 741V 16 991V «6,579.97 5 0 00 5 0.00 559 51 6 0 00 5 0 00 Bank Cash Advances 19 241V 5 0 00 5 0.00 APR rvp nci I,ns 0 iv lntc cv& Rst. Typ V= Venable R t. rate marvel) BAHKAHERICARD CASH REWARDS 4 60 BASE EARHFD THIS I(ORTH 00 Bol&US THIS HOHTH 00 REDEEHED 9.2S TOTAL AVAILABLE VISIT BAHHOFAHERICA.COH/CASHREWARDS nl I, Imui 11 )01 'lil& ))i' )! 'Ik'I tt( li('&'ll 1 fill&&mal f tuiif ill', Iv ul In) nlf' Rn ' n 'n &'lla &I(' ln, 1 g&I)t ') I IC !' i) I (0 (n h) i)iuflli)f&)lls stint )u&l iii )k( C&1 'h Iiioiltli bcli)rc I&ivr c 5) 26/. f Iii(t Iiioic lot! br'n 'I')in)ICY fi ibllv b ') lint)IS ftcii& rtfoiu) I tiibli . ')1 099 lit)lkit)i«lou '')onr ink«)i 1)t)o in I lo)m)lo ii ))nni il)lr I'lil )I roiir.),1 in) nt, nil rli il)l rlr)cnm nt ill)t) un I)I)toro loki l))krtl .)tinull)nilnll)1 1)lkl)1g )I lirr)r Ir ilikof ill)i'rlt)t rr In rillll\1 I))r)lrl)1", I ltlil ili ni)'l I ))I lr oll Ilirl oil«k I t) Ik)I)rr lo 100 Ba!IkAmeriCard Cash Rewards- Bank ofAmerica+A Visa Signature" MARK A MESTBESSAT Account Number ~~~ 4923 Apnl 25 - May 2/, 2014 Account Information it i'i II Ii IIIIUif iijii'I it'i.i'jiii Mail billing nquines to B,iilk ri( Aiaei'li' I'1 Llriv 9sb l. I'I Ibis(i, I'k 7990'ldlr) Mail payments to. Bank ol'A mcnra F.t) Bcx l,i019 Wilmmy toil, Dl'. IpsiG 1010 Customer Service: IBOOvl'!I!!IIP ! Ihblul4(u!178 I TYI Total Minsnum Payment Due. PaMnent Oue Date $25.00 .6/23/14 Late Payment Warnmg: If we do not receive your Total Minimum Payment by tiie date hated above, you may have to pay a late fee of up to $35 00 and your RPBs may he increased up to the I'enalty APB of 29 994!. Total Miiumum Payment Warning. If you make only the Total Minimum Payment each pened, you will pay more m interest and it will take you longer to pay off your balance For example: WW Nmv Balance Total ..$ 1.29G.64 Current Payinent Diie $25.00 New Balance Total $ 1., 296. 64 Total Credil Line Totol Credit Aveilablo . Cash Credit Line For!ion of Credit Available for Cash Stats'iiierit Closiiig Dare Days rn Bilhng Cycle $ 1 1,000 00 $ 9.703.36 $ 5,500 00 .. $ 5,500.00 . 5/?7/14 ..33 Pievious Balance,.........$882 03 P~yments anri Other Credits...-886 44 Purchases and Adlustmeiits 1 288 22 Fees Charged ............................ 0.00 interest Charged...................................12 83 Only the Total Mirimiuni Payiiient $42 94 G yarns 36 months $ 1 822.24 $ 1,545.84 ISavmgs = $ 27G 40I If you would hke information about credit counsehng. senaces, call 1-8G6.300-5238. 05/10 05723 Xrmers ce wi Payments and Other Credit" Ar Pys 045C sAN losr CA 4923 - 4 44 PAYMLIIT -88? 00 -588G.44 t(923 BANK OF AMERICA P 0 807( 15019 WILMING7ON DE 19886-5019 Acrount Numbei: ~~~ 4923 New Balance Total . Total Minimum Payment Due Payiiirlrt Dirc Date $ 1,2cJG 64 25 00 0 G/?3/ 1 .I MARK A MESTREFSI!T 1455 LLINING DR SAN JOSE CA 95118?3?5 Entei pavnient aniount 5 I, 101 (AJPO((TA(JT !H! O(!MAT(OPJ ABOUT THIS ACCOU(JT USEBJ I Itev. OB/13 CUSTOMER TIPS FOR DISPUTED ITEMS odn!»" .,hsnm d lm frs i. Irorin,im charres uiif c isrzi tris nrzv rtnt,c 0 rtuc : r ", t ra ', n!i('r ii. In' tr'(pi ti.",,',,: c I I ) if c v 0 rr (! I'u'! 'I' I ha! Ynu vd iy 1 i! vi ll Im.; ) t r(I tidki', cthe J (hi.ann liet )vulx:: '&!'I r dil rt r I':01(1 if '" ',Irn'(1'," ': ms dvi'1 ' dlsnci Tf'r I le \f nt' lmi ''ur I!0'!!31( lur RJn'r ur 01 btg'r)g ',. 0!'1 I I tr ~ Has a credit posted to your account) 'eases 'ipto!!)lfay.!toto!Rc:fute'I".3')u'I!et!lvoirh('rrlra k'izlicll!Cr'i,ir!Nr ~ ls the charge or amount unfamifiart i«nil vill lsir"!rc Iris Iiit"I!Ir! Il, usr lxc a!our!lulu)kesnreuieyrhrft to!)M ',;, c I,p !(lb!ed)d !6! Ineniurlp I'licglhinlex) id(tv!'".mc ar; '. !le! 11 000!1 '." 'asl 't tl! r )nf(00J olui st 0',dr (hdlg(6 Jr rilcfucf('ps ;,»,i; kfi, nl c r f lcm le;Nl anuioios d..lib ( to!o it. '.I your sr 010 l x;dlc cno erik»I: t yrx. 0(0 )ot 0'iollr.tl i. Online Banking ir r r.*).y to en!Sf! cs ig II lr,:+u )dm. son dr fioritol yern starem(nloi awe usa cail Please remember. If you find an error on your bill, you must notify us no later than 60 days after vve sent your first statement on which the etvor or problem appeared to preserve your billing rights. ONLINE PHONE ~)-I 866 26602 I2)J '; I, I!"'x xvrim. f bz 'v!' I'0 I I 'tttr r'I 'crcrdri "" rr rl'( MAIL Attn: Billing Inquiries PO Box 982235, El Paso, TX 79998 !A'„;; » »t,km!,:h I, Your Name, Account Number the Disputed Amount, Merchant Name, Transaction Date, and reference number uf tlic lf „ult* f nc i 0 irl spl; Wr omaifs i!Cordi)g your disoulc, nrlur!ing clair ol (0 ad IN Ifi Ihe int ir!iant )nu !lie mm ti ilit1 response;ri car!I Instance hx«c, iriudv ail si ppc rl ng dor! I )en 0('.Ion, inr udir p sales. n!i ri cuir. ,io!a ).raicni 0!tai d! Csllgc' Iurr 1Ãrifr f)00'cf rir;efu ns PAYING INTEREST V h mt f rini ch i 9 vimrc(i on nu closes r n;t . next tate i i nt it you pay tf'e ig'vv tie lai x r- lolaf » i f ill lh d c»'a!"icm Drc D)lc and you 6 1!f paid:n f . 'ly tt!c pic vie is i'dynicnl Dun fk)tc W 0 "II 6 i rl I Ong int xesr on fiat n i lr i sh 1 i id t i h Ac!v n csun ff e tian m io i dmc CALCULATION OF BALANCES SUBJECT TO INTEREST RATE ':". id,",0 f!a!& !ldl):c t !arbor! I nr fudhig 0 rr Piri(has(m! W*,ikudu Scpi.l.c fl,',a c sat.',!cit mdrilrtllrmIINlefo P Iritd' aiiidlui ed!I li tlrcrluc,c I ot I 'Ir rnuliuridl offer L)Once minsislirig oi Purr ha es We 00 dl 1 uy ( I I r dh lldund r roi i 11 f wnt I f rlf I h yc c( lddrkng )lithe r! if& 6!an ".togertir", nr'i(i .,: diid 6 1 irinf the daily baxiiccstiyd)0 numhcrcf faysinmi bit!mr rye'e h .k!01, rc I'I daifvhaance for()cfictdy ail! i«latcmcr!bt i'!rngcyc«!Sc tilt,kcthr ;, lulu,)n rt )err f eqiid. ro;"»c;ii)phcg le fix!'y Penn!ic ii; I'(1'l; J '; rtiel rcvrdxuzr ada'lybatenc",(ii ldrlnc ( I'urchases nc!!Ac aunt!ac(,,i 0 ir)1 lr ns eton 'c ~ 0":Ux 'u . Ippl ~ dolr oiimemsar i,rerlils li,n CI rfytrdidrir isli«limn)co!u C(zr.: il,!I, xi IA 'morf (mr k.ding r !v B,!fence fr I sfe's and nevi Cast& Advanci's! w(' kuldh) I'i I d ('(l aves Subieci in r fntcrcsr Rate inr Be!ance fransicrs Cash Adv inces and fix c i. h tnirodir( toiy or Pro notional Dffei balance 0)nsistinr of Ra!ance! ransfers u" last Allvd'o Wcdoihisblcjlirzcufat r!garth!!!!i id!i Clur(a(hi!ax'trl!f'I Sl Io dn!1 ,x, nl;Itsshtmicrl(INn, vllr)I)r onn1prisi'Ipdz»vri'loll t -cicraaqttzd)Aha!me. ioiie "ir'.)r!01ii! fiz 6 r rf TOTAL INTEREST CHARGE COMPUTATION lu mi!1 tpt. a„n,,irrl, I c.rnprinrltdon icl) yt) is To(let rmlnethelriter sf &nd r,"1 v, a I i, IS cd ll.'id i 0',ifh* rt tt Intr !st Rah by its m)phc bli'Dx!YPcriornc Rmr .. !I i'int "nc'I;mu I nl 0 I! & tli i ii It»i;.'i!0!v ilti I 'imf;vch Iprfr tern)!ra thr!otal I,crcs! L'I lrgc'c nc''l ig 'v! Ir ', drM Ihe I'cimr v Rate fnteresi &6 rges roget!)er 6 Daily Is ri J liat «:dlcuo:: "y,lr'il'o)An xraf nercrl tag! Rare hl !f&') HOW WE ALLOCATE YOUR PAYMENTS R(in r"i smr dcn died i'o led bi urges lf yuut i coutniias bafdncmvinl d ffercruAPRs, .vl i. i I dim,. nii 0 ~: i n. „'n i xrin r i rn I I m I'ic «.L)f Maiimum Pmn'o r i& ii''tm , 1 m'1 n" rx "f ts rmrli rl "Bra I 1(un i,r10! etre:fm oal I'!cr'll P1!r In(tan) ii)f1 .rc xntv Lr Rn. Nl nit'm pap I at!!Ic mill bc dppi'c Itch) tnc s xi! f I igtlcrat'Rs IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE O('x' rl r. r» "'-','I I'!. !r I 1::"I: rnrrt )'ri rllu",l(1 vorl dln RI'lt'! Ili 'till I dl II(00/0IRC'cl xn a!xd; 10'r! rica I'di)11'ti lory t x procuuon lac unit dsx r0( s((ur I\ al i rlrxinorr \ lee no& dpifyf rexpeoni;fsiivicc loiani l,calfusbrfou tlieschedu'ed payment dms Seine 6!y payments r.)nnot im edited 0, caner'fr.d YOUR CREDIT LINES r.ia'kl x I i.t'„;,t(l", I!r';vrll& r'„'"I &)z)Ad )r m ~ rr)isi 'r!!'Rlx(mhnlvarri( !N . I cf",:: I,:",. &0 I A': (r( '.: ." &Pl clr 0 ( (halve in cl'xcrrfrafl prolm„.". MISCELLANEOUS PAYMENTS If your billing address or contact information has changed, or if your address is inconmt as It appears on this bill, please provide aff co!vert(on( here :'vn (I n)c refit(0 cn're I 0( v\,"I lr ', ',h '', r,ce p rtr 'I 0»lml!I I1;cia .'n'r.hei!vied lo omur Wort, I'rlo Ic BaltkAtrterigard i Cash Rewards- Bank ofAmerica+A ViSa Sfgnatufee WW&4923 Apiil 25 - May?7,?014 Page 3 of 4 /b Idea/ Daie eeeu l¹ Date Deed /'uee Aecel li lvu ll/ e Nue bel Able 'l 'ld/ 04/25 04/26 05/09 05/09 05/11 05/1.5 05/15 05/15 Odr/1 7 05/22 05/24 05/25 05/26 05/2G 04/28 04/28 05/10 05/10 05/12 05/16 05/1G 05/1 7 06/19 05/?3 05/27 05/? 7 05/27 05/2 / Purchases and Adfustments THE RX HELPER 888.2334303 FL 0 HHC 8004cJ34?40 8004934240 TX 0 ARBYS 0456 SAN JOSE CA ORCHARD SUPPLY ¹G91 SAN JOSE CA OE&09069119C&0971408?813500 Wlvl SUPLRCL'NfER ¹5884 SAN JOSL CA LITTLE. HUNAN SAIV IOSL CA DTV DIRECTV HARDWARE 800347-3288 CA 115762970 LUCHY ¹757 SAN JOSE SAN JOSE CA 06209360757V1GY700286cJ319 WM SUPERCENTER 45884 SAN JOSE CA DIABETFS SUPPI. IFS 4 I F 877 8800004 Fl 4923 IIIIC 8004934240 8004934240 TX 0 THF RX HFIPER 954633?169 FI. 0 PETSMART INC 2242 SAN JOSE CA ??4231?6102010050?3944 Wlvl SUPFHCFNIFH ¹5884 SAIV JOSE CA 5041 5042 0023 9711 0740 01G6 8371 1541 2025 0276 G338 0074 4923 4923 4923 4923 4923 4923 4923 4923 4923 4923 4923 4923 4923 4923 Gg grd 390 00 1f& 38 ?1.74 43.2G 26.05 ?1 75 20,06 174 98 390. 00 69 3rd 12 07 28 /8 $ 1,288.22 05/2 7 05/27 05/27 06/27 05/2 7 05/2 7 05/2 / 05/27 Interest Charged Interest Charged on Purchases Interest Chargerl on Balance Transfers Interest Charged on f?ir Depgehk CasliAdv Interest Chatgecl on Beni Casts Aclvances TOTAL INTEREST FOR THIS PERIOD 12.83 0 00 0 00 0 00 $ 12 83 Total fees cl&aigeu iii?014 Total inta i est chargecl in ?01/I -$ 3 7.I $352 22 103 Tour Ann«at Percentage Rate iAPR) is ttie annual interest iate on your arr:out&1 Annual Percentage Rate Purer ascs 11.741V Balance Transfers 11.744V D& rc .t D pos t .r d Check Cash 16.994V Advances Promotional Promotional Transaction Offer ID Type Promotional Rate Until Balance Subject to I(&tercet Rate 51, 09 02 $ 0 00 0 00 Interest Charges by Transaction Type 512 99 5 0 00 0.00 Bank Cash Advances 19. 241V 5 0 00 5 0 00 &IPR type t&e& n ', ons Ds iy I«tercet tlete Tyt&e v= variable Rate Irate may vaiyl ~.~as .,- .~i,~u~s BANKAMERICARD CASH RENARDS 12.84 BASE EARNED THIS MONTH .95 BONUS THIS MONTH .00 REDEEMED 25.07 TOTAL AVAIIABLE VISIT BANKOPAMERZCA.COM/CASHRENARDS T &t (',i(tr i&trig ' Ill('1&is 'irr«1&1 l . Ilt'r&gi &&i& i(«i i'nioi o&1 'r'r'r' ('rli'I il intr&&la &o&1 ti(kr'I I( flail&(')pirtitlg ra&la('i(ills liiul rii r('rl Ill&'iist frill s rI«*ni«i'y month,Inst hmi yrmr ll ini ofdmcrirao dr&i&t or riel&it cirrl an(in photo ttj. Lriun mor at 1&ani&ofamcnd& rom/irts&&inis Sly yr to u «I 7 p Rir II( sr «rlir cirrt stat«i&i(«Is lorhiy, Pi&i&&ical lnltifn'I&lolls Il'll'i&I&i« r irillr i'1&rl i&il'lite(It ilr'I ills. St'11&t& 'tlr Ils lair&i&i&i\i&«ii ol tnyriir nl (ln( rlntc. I siinch m rnmnti ., Ir&y m to Online Ilankinf at t&ankofamr dc«corn lorlay. 104 BairkAmeriCard ~ Cssn Rewsrds- BankofAmerica ~W Visa Signature. MARK A MESIRESSAT Account Number. ~~~ 4923 May 28 - June 25, 2014 llccount Information &nie limkot'smcnni rom Mail biiiv&g s&qmries to. linn k of Am& riivi 1'0 8 &1!)$edi i Irl lkiwi,'Ik Tmfl8 "fbi i Ma&l payments to. flank of.tin(ncs 110. I)ox Liohl thimington, DF. f988(m&010 Customer Service I boo 421 ?(i I 0 0 800!H(131 &8 TTYI Total Minimum Payment Due... Payment Due Date.. $ 77 00 . //23/14 Late Payment Warning: if we do not receive yo(s Total Minimisn Payment by the elate listed above, you may have to pay n late fee of up to $35 00 and ynur APRs may bc increased up to the Penalty APR of 29 99% Total Ivhmmum payment warning: If you make only the Total Minimum Payment each pened, you will pay more m interest and it wib take you longer to pay off your balance. For example. !QI,...JASU~o 4~Wl~„)PIP!~/WW.'~2E!i" v/c.-.'-""".ski*: ll'P":ts'n&LA!+~~~A+= New Balance Total $ 1,481 60 Current Payment Due $52 00 P ist Dirc Amount $25 00 New Balance Total ...$ 1 M81.60 Total Credit Line Total Credit Avmlabic...... Cash Credit line Porbon of Credit Available for Cash Statement Closing Date Days m Biilmg Cycle $ 1 1,000.00 .... $9,518.40 ... $C5,500.00 ., $ 5,500.00 .6/25/14 .29 W'.-.::~~ sJI,EL~~!~2'/&U'-.".".IO'~~%%M-.;-.!d"..: Previous Balance ...........$ 1.296.64 Payments and Other Credits........, ..0 00 Purchase and Adlustments 147 21 Fees Charged...........................................25.00 Interest Charged...................................12.75 Only the Total Mmirnum Payment 7 years $ 2,147 11 If you would irke information about credit counseling sei &icos call 2 866 300-5238, Jb/7 7 7 60 7 05 ~5? 28 05/31 o6?'on OG/08 I a:cence per(i Dcr. r &ic r?scccpscr n i c r Purchases end Adlustments 05 '2(i HOMI- DFPOI ¹1009 SAN JOSE CA 85 1!1 4!?23 05/29 MR CHAOS RESIAURANI SAN JOSf CA 3343 4923 OG/03 WAL MART 45884 SAN JOSE CA 4005 n023 08515955884MVRYW000105562 OG/10 CVS PHARlvlACY ¹9896 SAI'I JOSE CA nn?3 4 88 cc i& c 0 i in&S- ccrc LI 9 2 3 BANK OF AMERICA P O BOX 15019 WILMINGTON, DE 19886-5019 Account Number ~~~ 4923 New Balance Total Total Minmium Payment Due. Pa)'iiicitt Duc Dote $1,481 60 77 00 07/23/14 MARK A MESTRESSAT !455 LUNING DR SAN JOSE CA 95118-2325 I I?le& p'i)itic'iil fiiiioiiiil 5 L 9 238'05 IlÃPORTAAIT flVFORMATIOIV ABOUT THIS ACCOOPJT USEBII Rev 08/13 CUSTOMER TIPS FOR DISPUTED ITEMS I &any tv r:&lisp itr lrtiarp&",uv br li» uv.lwiD) tiiaii &I!Cmlvi\ Imv i tire:","Uc q&i"!&Crs a dr»&s&y cs&ik& Itin J&si&11 Bd i! I& 1 '.;Ji.&ci; i &I &" -",»& I...U I 'mur 'Cm&pi Ol I &!I&ng .'I &I&."11&]1 i& ~ Has a credit posted to your a&count) IA "maq»v&i pic!Dr! ys tron dir.;"..) ': is i" &immvoi, brror,!r,, mlrupcv ~ Is the charge or amount unfamiliar? The k with o I i, pcr r is wi I &rim'1 Ir;: c arroui'! tr) ",vikr;irv ilwv lirlivil matc sit&tin&i )tv'Ii'a I '& t) co&«Argo&i&)un I I &h Igc'r n& I '&k t&ps II«!v]I ori vrkloi't& r r:ltsoi tcwma I dnv;Iwid(tw " ': ''!,,!;C&i,ir sotv nvntsnnl»rv fy&&di& 1&a rniokrd r Dnlineganking,i«r s& r '." OI'i. ~; I r, ri. drldrvss an thc frvnt si ycur stair'ment ei Ave ds,& & ag Please remember: lf you find an error an your big, you must notify us no later than 60 days after we sent your first statement on which the error or problem appeared to preserve your billing rights. ONLINE I 866 266 0212 )) isi, r lip&')'Kv fdiasvlwivv lier I irh«,"I vl'r;nr-', MAIL Attn Billing Inquiries PO Box 982235, 6! Paso, TX 29998 'A'lier wi rmv pld» «»el&air Tour Name Account Number the Disputed Amount, Merchant Name, Trsnsaction Date, and reference number cf rhr Jnoiti ti!em,inrlspcnfic 'et]il.iegardmgynurr'isourv i ludrt&l'f romeo wilt& tlw mr.rO&Air One I!ie nierctwnt'I rr spon.c in c]ch i .;,:Cce I'lease,ncluilea&I suppn ongdo unicntstion rnriud&rgsale,nocrrr r. 'n&U&l'vr . & I n '.!Cl cl po' lt '!U&ii lvccipts ]s p &Ucf In ic'1&vi&s PAYING INTEREST Wvwilt no!charge viteiesloi u clwseswi'I. re)I smit i im ilydn fusil . N ), 8, an&v rnta! infulfbythcoaymcvtiidr Date, niyonhidoaid fi.'6! &Iir p vwunibvm;vr Oui tiitr w" wit 6 NnchIrg&ng din & stein lan&a Ir nsl'at(lc] ndv&vrv(s ~ .&n I!i",.v: n &d]:" CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Avci apl Dail! Bala'& e htcthnd lvi I .Jmg rom Pi r tm c \Ve(dk&idlvsepd»v«id&rvs'll,rl«dil&llvr"'icf; P!&rl,nd d"Jhv vip hin'I&!&&C!Or! Of Plu']w IU&&dl OiT&') dri(e &U&'S& 'n I Of &Ui&lldsC" WCUO 1&1') ! I', 'Ul q&ilv, cli& Jmq dc sumnflhc'la&lvh !mites 1»'Wr nu'i'&mr of i]Vs in mr bdoi cry.& Toc)I!el&tet« i]ilyh)ant( nrt;c'ldv n'.Ii sarvmrrlsh.'n, vc'c 'I'!&)cthr rhc prov&ods Ua&s i'sly bala»cc ('!;d»J n«v Purchases ncwActmmt;ees, a im an)act on lerts Incfpds&s&ri(I]ppl&ribl, ci!r:. tsar l,re&',:n&!I:l&cdi&) '«;hv I &ovr Ir.:I. I! ds /en) Av &] 3 Bile,&re lvl l»odlinrlidinpr ed B&ld» c 1,. ters,ir&cinvw(as& Advdn rnl Wc calculate separar. B]lai rvs Sib&i ct ra dc mtcrr st llatv fn gular cc Iran)'s fash Advances and for each Intrnd&&crois vr P nmntrnnal Olfe U] anti mr" i)ting of i! ilartic Irdnsfr &s u, (*shddvtn&v wvrlo tins«) lit&el uldt nv d tdlyti.ldivt rm&mhr!a) n t &s vvtfia'rst.i(! ci:clat .& c, rn;I » .„,r«ri„; I ';,t&rl TOTAL INTEREST CHARGE COMPUTATION Inl,est ci&rgrs](rnid,r,ld vc.mpounclidondrlvdybIsis T" d.termini tnt*I&i"es'i Clmrgc seve mi hioly vdct; Balm&rc N)bi ct ro Inre csr tlarc r)y irs aop'i!ah!v D)&l! P. rv rA t v; vri mar rsi qisvvulupl edt)) thr r»imfici of&lays 'i'heb'inqcyrl" lvdeirr»t ". r»i:ori'n«id)toa&vvkimr l»lkng vcle, )vadr!U»et'cnoov !I&ielnrvie toiargrstoprmri A'iaih P& nocf&c fmlc I 'dl«il I, nb\'n)v rh&1» d&1 f&nrnmt &'m&tag Rotc bv !65 HOVV WE ALLOCATE YOUR PAYMENTS f& yire i.s,irr dqncdlvd topo* «'rl Ui an('f y ur err ount lies oaf]i sv)JI rl ftvr&d& f&WI. vvv il,&k, .]Ivt»,&&Twin Ilin&r r,.ln r vvq!i I rot'i& 'dllm&i&mu nPU, icr:';;: I. I'"wst Alvll 6 "]nmsl rat t&rwluting 'rmsactr,.ns n))deduct '!I &s arvr'ivr&ri I'a&&'uiq :)r. ress vf v& ur tol.: I lvisn &m Pafn&er t 0! c iv&ll l & applw I to r&dard, sin'I I*. I r r \I'f!s IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE V I & 1 s ", ct»&n &O' &'&'h&'! . dcn'I« trna«'I'I (! Vc us Viyv&ci I !re&i& indi d c(v&i'll! Bic Indnct I inst& i'I ivi yo&& ! ', Vr)lv'o&l 'mmt UI I 'ic" ,"lt&&&&&Id&'0;vivrig ot "& I& p vlii 'n't)&N&1&&pro v Iio&& v&c vali ..s'«: tv&!U I& 'I i&'iu'I:: I fr r rn &v pply fore xpeoited sr rv&ce lo &an VI, cag us bvfoie rhe scheduled paymem date S»n c. Jay payments tan»ot be edited ot canr.r.led YOUR CREDIT LINES I&'e loivlt "i' I ','Ud'" mmin&nfr v!it m&ut'nr'IT)uri i, vi : &w! I'Ici Iii k! ))!ii! Ivi r rs r w. ili t!ankfdu (vb i»;sr inn& u'riM( who I&a"n', v&w. 'Im(') t&ml) I (d lit!vi crs 5)n c I)]!or ~ . i'&O'Ailv i "', Tii Jry; urn&»' s" &tnt, & ccs C I'I &r 8 I ts i U iIC I '1 ICON dri & dop !Ol»iv; )&isa(: -i lv ", MISCELLANEOUS I &1,&S )&'I' v&v"'I'., ' »&U,v&dl»1&SIqv'I,« 1&»I,&mn dl,u! '&v&1(d;!&I:"c'AYMENTS If your bifhng address or contact information has changed, or if your address is incorrect as &t appears on ih&s bdl, please provide ag coimcttons here Asd.r I I 'I'&C, VS 'C.» . C)f' &ldr-;; 2 fv& 1'I I! ) .'".&I "I'sl ', n,it,« &;«.& sil&eduled!o occ.ui vVoik Pnone BairkAmeriCard i Cs.r Rewards. Bankof America ~W Visa Signature" May 28 - June 25, 2014 Page 3 of 4 Aprp(p p Dare ('Pi 0'p c p(cn Nreiiepi 4(ii i lar 06/10 OG/16 06/18 OG/20 06/20 OG/20 OG/24 06/11 06/1 7 06/19 06/21 0(1/21 06/23 06/25 Purchases and Adjustments WALMART f(5884 SAN JOSE CA 0000000000 PFI SMART INC, 2242 SAN JOSE CA 2242019910101115510919 DTV DIRECTV SERVICE 800-347-3288 CA 1305CF43 PFTSMART IIJC 2242 SAN JOSE CA 2:(4?10501010119090579G WALMARI ll5884 SAN JOSE CA 08515955884MVRYW000111641 SAFEWAY STORE 00028159 LOS GATOS CA 464 1 /204(J 38 7 905 WALC ~ I(ENS il2384 S/IN JOSE CA 229G 8234 4907 1595 G962 1059 0348 4923 4923 4923 4923 4923 (I(J23 17 87 21 Oo 11 27 16 18 21 75 14 13 $ 147.21 Fees 05/23 06/23 LATE FEE FOR PAYMFNT DUF. 06/23 TOTAL FEES FOR THIS PERIOD 1429 25.00 $ 25 00 06/25 06/25 06/25 OG/25 06/2. 06/2o ~6/25 OG, 2. tnterest Charged Interest Charged on Purchases Interest Charged on Balance Transfers Interest Cliaii,ed on Dir Oep@cttk CasliAdv Interest Charged on Bank Cash Advances TOTAL INTEREST FOR THIS PERIOD 12 75 0 00 0 00 0 00 $12. 75 Total fees chaiged in 2014 $21.29 Iotal interest ciiatped in 2014 $364.97 lmi ii,i,iln il ii ii m i iml i, ni i pi i hnua ilml v lmu nni iprmi ii irinr mnn ni p ivm 'ni rlnp I'Iiv(v( . 'n I inni i(rim ni rlii i irl i II i n h n nli mlv nwilpil n, tlmnli nn Your Annual Percentage Rate (iiPR) is ttie aiiritial iliterest isle on your account Annual Parce(riage Rate promotional T re (isa c I 1 0 it Type Promctio isl Offer ID Promotional Rate Until Balance Subiect to interest Rate Interest Charges by Transaction Type Pur"chases Balance Transfers Dsrcct Deposrt and check cash Advances Dank Cash Advances 11. 744V 1 1 . 7 4 4V 16. 99SV 19.244V $ 1,367 11 $ 0 00 3 0.00 3 0.00 $ 12.73 9 0.00 0.00 $ 0 00 App Type Def nit ons D. b ni rect pal Tipc v- v, isblc 9, te (i ate mey 107 BANKAMERI CARD CASH RENARDS 1 48 BASE EARNED THIS NONTH 83 BONUS THIS NOIITH 00 REDEENED 25 18 TOTAL AVAffABLE V181T BANKOFANERICA.CON/CASHRFNARDS (to I'ai)()lr vs! Vou (an fmrl )rcn, m(l (toNnhcarl Inintnlilr I'Ilt 8 ol'une. Litmncnln,inri r li„ihlc ilucnmcnl..(II in (m( l)l 1((u I'0 Er) pni)i cli (8 (nmlim Unhnf. lt tnktnk nt iviviv huikofim inrv corn)'onhnchnnkm". I)in(I rhc Stern i(nf ir(m in(i r lmk (lo I')lir cli «' ikcnrli inui '( nf(IK klnvmnnn 011 I ')col cnnl nnrl cn!01'on fi'(0 con(I il )dour ion nckcr lot))1'Ilr'ili: till 'nni (1101'in)rl ntolr rtn thi'r)st fnilivc(ken(I of mri )nun(8,ht.lnhuii vr)iii liinkot Anlccit 1 ctvrhl oi ri(till Nit'(I()i)tin !Ihrir(li!. I,",it'l niotr 11 hn)In!i)i)trio) 081 nil unit 108 BaftkAmeriCard i Cash Rewards BankofAmerica ~W Visa Signatures MARK A MFSNIFSSAT Aeon(i(it Nit(aber, ~~~ 4923 Jisie 25 July 26,?014 Account Informatiorv ii e ii.h i (i ko fit in('i'i ('.('oin Mail hilhng inquiries to Rank oi'mct irn I'. Rox BR!:23 I(I I'ri 'l1 Tkgigk.-'2 'ailpayments to. Batik iif »\ ini:ti('s P.O. I!ox l,(019 Mriiming ion, IJK 19886 501 9 Customer Service: 1.8002»l 2!110 il .10(ul Ki;II?8 I'TYJ Total Mmnnum Paymerit f)uo Payment Due Date.. $ ?6 00 8/23/14 Late Payment Warrung: If we do not teceive your Total Minimum Payment by the date listed alcove, you msy have to pay a late fee of up to $35 00 and your APRs may be increased up to the Penalty /(PR of 299911. Total Minimum Payment Warnmg. If yoii make only the Total Minimum Payment earti penod, you wilt pay more in interest and it will take you longer to pay off you( balance Foi example. H tR 1( lf(hut'; 1', 91~mt 1~&~Ask "gw! I cs«' +~f%E+Q~+PQi„.4 New Balance Total $ 1,?05.60 Current Payment Due $ 26 00 New Balance Total .. .. $ 1,205 60 Totat Credit Line.. Toto( Crodit Avsilaiile . Cash Credit line Portion of Credit Available for Cash . Statement Closing Date Days rn Bilhng Cycle $ 11,000 00 $9 794 40 . $5,500 00 $ 5,500 00 7/26/14 31 4.';.'"",:!~." ! '.';:-=,:„;: -,;:";:=.;, =''„-:;:„:, Pi ewous Balance.... $ 1,481 60 Payments and Other Creclits.. -1,046.05 Purchases and Adlustments.... 755 G7 Fees Charged.............................000 Interest Charged ............14.38 Only the Total Miiiiruurii I'ay(or.'nt $39 93 6 years 36 monttis $ 1,642.62 $ 1 437 48 (Savmgs = $ 206.14) tf you would like information about ciedit counsekng sennces, call 1 8GG 300 5238 0r'' c S'r'/e v ipe herc'U I 07/08 0 //03 0 7/05 07/08 Payments encl Other Credits DIV DIRICIV StRVICLS 8003/173288 CA 87 ONLINF PAYMI-N» FROM CHK? I hfi: CHA(IGf 119((ISI Mf Nl 99 /0 gpg3 9827 -21 05 1.000 00 . 25 00 -$ 1,046 05 tf922 BANK OF AMERICA P 0 BOX 15019 WILMINGTON, DE 19886 50(9 Account Number. ~~~ 4923 New Balance Total.. Total hlinimum Payment Due Pa»ment Due Date $ '1,205 60 ?6 00 08/?'I / I 4 MARK A MES I RESSA I 1455 LUNING DR SAN JOSE CA 95118 232o Filler paitiient an(cunt 5 /'/ p e p crop p// c u r/rei»s c, ipe re e cc w e M i iie pvppn I ne th yp check paysui t 3 k i A, T 9 23(ts 109 IMPORTANT /IVFORMATIOIV ABOUT THIS ACCOUNT USEBI t Rev. 08/13 CUSTOMER TIPS FOR DISPUTED ITEMS lparh tim". (i»t i: (I i t&n pp B&dirlliti',&«''Ir pdstndfc ictct wrs'& By mt;n 0 nr&e'r;ir'nbc I.h&1 p, 1«ii,d du&i! vl &ror&i 'l sl&mile Xiii.wd Igc lnt',r lake I'i ' !v \ 'I'&, ', ', icc d« '& I Jl 0& i I ". i '&'I'h »' fyla i&'» IPI C1d/0&' I it&stol(& Iir ~ Nas a credit pasted to your accountl \ ', 1«'l "I I &'0&i'er 0& 1&»& .Bv et&»c I Prl If «Lf ~ ls tt&e charge or amount unfamitiarl I rvl n hn I r,x m is:u !0& rpn;sue ! cacrrurt trirra»c ..n CI!s.";rl»fno'r1ke 0'ln '" '' l&t.'&. '1h'Ld'nl&s&indi'n fgi'I»(I'i" tips ual .:n;..»:: fv&„;«» tcnr'lani i Onlinegtnking i'!ice& ytoccreii«caigthewrb id«&esca&10'I'orltnltc«r,tllr'mint &give«sdcaq Please remember. If you find an error on your bill, you must notify us no later than 60 dayc after we sent your first statement on which the error or problem appeared to preserve your hitting rights. ONLINE PHONE ~) I 866 266 0212 )j,i&'&,»Cnm! && &sat f: Li I'-&'I' '. 'I&d'1 -,I r &K & It 1st i&d':I/r I I!I "&61 'AIL Attn: Billing Inquiries PO Boa 982235, Ft Paso, TX 79998 iA'iwi 0& tiig .k 11&» !i&la Your Name, Accoun!Number the Disputed Amount, Merchant Name, Transaction Date, Bnd reference number «f itic dnnuii' itr m,ind cp. & Ii( rlrmtts rppi !I, ig ymtr 0'iitc «i(iud»&pc in' (0 »a(I lvtdl 1lw i "plr lian& lnr: 1 Ie m( rctldlit . e pon'c,rl cdch lrcianm'ieaci l'»rl &rid AI s«p &r r!» rd do & r &( i ad! io, r»uc'ir F sales 1 vl c red&t. vuu(h(rkc,.itt,era&'rtiosi,;,vr,i rl d;&Ntsp&P,WotdrnlefL'rls PAYING INTEREST Wpw II irt rhalg& "urr cil'In!i!I'dsd»0'1 tm art st»i rr&nt i'yoripayd eN"IBd'dr'cp &rite( inf ill(1 tf elhi, v m iD»'Nit& dnl;nu'mdr 1&1,nf Jb& d&epnvlimi'dymcnt Dun 0&lr 1/" n i I.»N.i&It& nirg intr p'r»Balan e li»nci; c &;8 Cishh!mntr'cond e transact&ondi e CALCULATION OF BALANCES SUBJECT TO INTEREST RATE ,,I «8" Lci,in, c 8, '» rr1',Ai "' «ili l i;", Rd;e'0 P rrit d el mid foi rd 0 kino&i«i '110: I ron'' Iw'Difc uiarvi c pcis aid oiP»retd es We&toit»shy.lil &at ulalmp ,i !B I, h limr 7 i t »& .i:; rut &L I dk,,;; r* ',,: lv& Al d&r C&rty !satan r slog tticr anr ill : ndi:., 'n,im nl 'I: .Idrh i a(intr s ii; I", ni mli; i i,laysr I, i brga p r y l'L .&I «lrlr lmn&rl; I id- e ii;,!I !i, n'I csmtert&rr',. trln&g llew( ilittkcthc die p& in »01/1 am I bala(c iiiadJ rmr I'ur ha cs new AC nuit lees dnd iev lt in»ac!on nnmi . r 1 «',&3 Pdn I IT&Bi r& cisir«itwnri ow( ds & Air&& i!»lavr ll »alt'»»kd&n idvb.inner! I i'fes,inilnnv'Cdct&Advancrmj We mlculatc (liard".c B,lkirces gub&cqt io an Interml Ra!e for Botanic Transfers, Cash Advanc;6 arid to; cd h I itroduclory or Iyo nononal Dfiei bgarmc cons&sung of Ra(ance Transferc o ( lct&/vl& i ..rn Wd anl'iis 6 il'i c&ui» ng B deity bdiiisc' ascii day iri it ic stdreprdnl'1 ll;r, sdt. v»l. I ': &Fr AP i,it v& ln& m&ci update &1 t »0!tli, TOTAL INTEREST CHARGE COMPUTATION Inil p tCO repeat ni- &crltm &mnlio ii! On »ra/yb& K (co l rnnnc tile liter st Ctmrges v 0 rni Itin(ye & h 9 i(an(c 3 dw&r ro I ~trn,r ti»i tg it&A&nli dl 'i faiiv P imd: Rate Bndllmt'cc»tin tiiuitiolirilii!h &.indicr ",'(lars ilh& I, r; 3!8 lt fei rtnre &or '.Osn Illeicc! Charge it& diet&i(trig ryde,': acdtiicl'e:m: ild pl imie it» iges rng tier ADa&ty ppr&odi Ratr. is .d!(ut reo bl mv ding Bn dnr r&al n rrrd rag& l(dti- M 366 HOW WE ALLOCATE YOUR PAYMENTS Pdvllle'1 cd'e I'k&CdliwloposiCdu. B»L(1 lifo«! »L I 1.&&&st&did&'esvil'I'(I(fdic&1!RI &ls Bte me am «nr of p& 1& n en r i. nndl nr &r '..'BI '»:» n»» m&r ier 1 I!1&a I .'0 ." Inwcsi APR banf (pc hrst imrlicbng inn i(t pn. rt&dr Blrpi;I is ~ Btn i r" 11'1&r ir 1! ar&clmm &neicemntvnur Tola! & Imin rn PB/ rnrit 0&or it!& c,:p&»t.ln,r&lvtn(c n&'t I':dl'0 At'ks hc',orch,l, *,crs".'01 0\ Lr 1!f(c IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE fit"I'IC&'I tf 1&n&0»1:I'le'I"id! I«c &r&a LL &»sir«.; &C& ', "» n 'I ''n& 'r&llu dl I(le 'll'AP. no&&ru anti lnl I'l'l &' ' Bl'n ' l t 0& l'mr& I I P I ', 1 ',.'''I I sc 'I c(s' ilk &&Of&1'ldll»»l /I fee &nay BP liy for PXP! 0 IP»t S(rV&CC to &ai&(ri, iak «1 I!Pfnld!'rn S(i'edinell Paymerli dd!P han&e- day payments cannot be er:ilc.d o Lancclcd YOUR CREDIT LINES v&it"r fnr Bar»!1 hf imi c (r,"Ah,"ld. (i 8!r, ~, ~ „: d I/( .,1& ah.„rcc MISCELLANEOUS n "c ' &0 I '-1 s,'r„r PAYMENTS If youi billing address or contact information has clwnged, or if your address is inconmt as it appears on this bi f1, please prowde atl correct irms here tl 'C» »'& 'rii» rf &":PO.: 11,." ".',h" ICOI Il, 'CC p rl&C 10 'i L» !B&t'm I'I sr tie rf«i ed to oc'r ni I/'oik I'conc BankAmeriCard ~ Cash Rewards- BankofAmerica ~W Visa Signature WW W 4923 June 26- July 26, 2l?14 Poge 3 of 4 I aliis I m nevi lr Dal Dale Desc ipacc BI I Iyt !ae acre M mac a»c ci rural 06/25 06/26 OIS/26 06/26 OG/?9 06/29 OG/30 0'7/02 07/18 07/?5 OG/27 06/27 06/2 7 06/28 06/30 06/30 07/01 07/03 07/19 07/26 Purchases and Adiustments THE BX HELPER 954.63321GcJ FL 0 ABBYS SAN JOSE CA HHC 800493 4240 800.4934240 TX 0 TI.IE HOMF OEPOT¹1009 SAN JOSE CA PETSMABI IIJC 2242 SAN JOSE CA 2242468610201404221196 WM SUPERCENTEB 95884 SAN JOSE CA WAL MART ¹5884 SAN JOSE CA 0000000000 ATT BILL PAYMENT 800288-2020 TX SQSM4CG7MYW9801 WAIGBFf=NS ¹2384 SAN JOSE CA WAL-MART ¹5884 SAN JOSE CA 08515955884MVRYW000454514 0084 fl?04 3797 6965 4384 9.I07 1¹G2 ?49? G742 BG23 4IJ23 4923 4923 4923 4923 4923 4923 4923 4923 4923 69 95 11.94 390.00 59.82 16.10 59.08 10 83 102 62 1 20 34.13 $ 755.67 07/26 07/26 0 7/26 07/26 07/26 07/?6 0 7/26 07/26 Interest Charged Interest Charged on Purctiases Interest Cilarged on Balance Transfet- Interest Charged on Oir OepKChk CashAdv Intete t Chatged on Bank Cash Advances TOTAL IIITEREST FOR THIS PERIOD 14 38 0 00 0 00 0. 00 $ 14.38 Total fees chaiged iii 2014 Total interest charged in 2014 -$3 /1 $379,35 Your Amiual Percentage Rate (APRJ is the ariliual into root iat on youl account Purchases Balance Transfers Dtrect Depc lt and chock cash Advances Bank Cash Advances Annual Percentage Rate 11 74SV 11 741V 6 99SV 19 24%0 Promotional Trails Ii:tlcli Type Promotional Offer ID Promotional Rate Untd Balance Subiect to Intere t Rate 31,442 52 5 0 00 0.00 3 0OC Interest Charges by Transactioli Type 314 30 0 00 3 0.00 3 0 00 Acti lypa Oef nicons Daily interest Rate Type v- var abls Rate flats may va yi 111 I BANKAMERZCARD CAS&l RENARDS 7 35 BASE EARNED THIS MONTH 1.0S BONUS THIS MONTH 00 REDEEMED 33 57 TOTAL AVAILABLE VISIT BANKOFAMERLCA.COM/CASHRENARDS 5 if y(s la scciinv i&H(c(I('uu &T('(lit cai'&I ul (le(non t\ Io&fnv. I'irnciil iiolifimilioils hlclndr ('I'&'tl(t &Iiil paya(f'tit If&'tads. H&'I nfi (I& Mr Io II nnnd yriii of » Ivn1( at dnr rial( 1 To iintch m mnmirs, Irm m to Dnhnr ihinkinp ii )Mnl rifinorirncnm in(fav. lb I» onr lnmcu fccl at homr akam dain nu in br tpmE onn rt i(&m inu to hi!pal fmmiv Shirinn cupr&. sin nf thanks it hnnfofaminr I rrim/frno»rh niku oi Ittwpth Ink& Iinrliio'll rlrmat Sl . np (n ul nnfiinn . to nrmlnoiits(lm( help rhrm um'corri. Knyiy hfc': firsts Iiy rn d(in'hc most ofy&mr mwiri. Itirs(lob. First horn& I&irvt &hilrl Each onc rnowis mnnaking vonr monry diffcrrntly. Lmirn mrn&*;ii brltrrmont yhtihi(u.rom. It'u frcr*! BankAmeriCard ~ Cash Rewsids. Bankof America ~W Visa Signatufee MARK A MESTRESSAT Account Number. ~~~ 4923 iuiy 27 - August 28. 2014 Account Information. isiui lis iiknl,i(i(i rini r iiu Maa biihng inqmnes to H i I(I'ii Aint'r'ii' I'0 i( is i)q'! IS I'.I I"iso, T) 79(g)8 "LI, Mail payments tc. )I uili cf .1 mene i F.O. i'cx lfiOL') (V(lmmglmi,l)i'. )9'iT67019 Customer Service IA004!gi;!Ilo 1600!IqfL3178 I 'I"r i New Balance )otal . Current Payment Due $ ? 1/4?1 $39 00 Iota) Mtnnnum Payment Due Pay(we(it Drip. Date. $ 39 00 9/23/14 Late Payment Warning: If we do not receive your Total Minimum Payment by the date fisted above, you may have to pay a late fee of up to $35 00 an(l your APRs may be mcreased up to ttie Penalty APR ot 29 99%. Total Mmimum Payment Warning. If you make only the Total Ivhnnnum Payment each penod, you will pay mare in mtorest and it will take you longer to pay off youi balance For example: 't. 9rgWWM Iqew Balance Total .. .$ 2,124 21 Total Credit I inc Total Cree)it Available . Cash Credit Line Poruon of Ciedit Avmlablc for Cash Statement Closiiig Date . Days m Bilhng Cycle ...$ 11.000 00 $8,875.79 $5,cBOO.OO $ 5,500 00 8/28/1.4 ...........33 Previous Balance ... $ 1,205 60 I'aymentc and Other Credits .. -100 00 Purchase" and Ad)ustnieiius 9()q c)3 Fees Charged ........................0 00 interest Charged .................. 18 68 Only the Total Mini(nuns Payinent $ 70.35 10 years 36 months $3,490.9? $2,532 (30 (Sew ngs - $ 958."' I If you would hke information about credit counseling services, cail 1 866 300 5238. Payments anti Other Credits PAY BY Pilot'IE PAYiv)ENT p!'r. 'v* i 11 36 -10fi 00 -$100 00 4923 BANK OF AMERICA P 0 BOX I50)9 YVILMINGTQN, DE I9886-5019 Account Number. ~~~ 4923 New Balance Total Total Mmmium Payment Due Pari)i~ iii D(ir. Date $ 2,124?1 39 00 09/?3/I I MARK A MESTRESSAT 1455 LUNING DR SAN vOSE CA 95) IS 2325 Enter payment amount 6 M iihscc p nsi 4 ii r «h kpsisci t 9 ni (A L 9 23)is 113 /MPORTANT /IVFO)y tv!AT/ON ABOUT THIS ACCOUNT USEB11 Rev DB/13 CUSTOMER TIPS FOR DISPUTED ITEMS lr nyli" . Ii Inn "lrhi pc-„;iekg tvmlir I oii',,'slb 1& Is!Oi wis 1 mr t I ».:* m c ; r;n ilbr & din ('rl sp ivig) !id(pe v& iiuurir'ui I iw v" I „ iv I'v.t, 1 rvl "dk" u.»:xii s i&xi,:v's (t. / I tiisplii I is 111& rhd 1&SF v (, rviclt " ) B;1 l«,n& I Ii v,il ,'n r'I tl)l'v ! 1&i(r(" vi(i ~ Has a credit posted to your account) i'Reveal XVisiin Ri t y'rnm!Iir'ri I, n,/li'rimi I&Our)mr „',: . I'vr(l): 1. (((' I') 'Ic ~ Is the charge or amount unfamiliar? Blvwr i i& rl r ixcens'lil I orl(a Ilr us ';..(ouct toluihc . Irv 1'wv .')noir)mkag r il;pc sit e P1d;!'u nw&1, nw I . r pivlcl&sd;,'&t&v«'-m"., r dl«uil&1&S ' 'Ir/ tl 'it& sit) (Vi!11 'u Id« I'dihms Of la&mt." 'tips &I, tktci lc( c r I tv ortoviw!Nn 1cin;mtars sm & 1!r i; m)I r; f yoi di "&u en!olio&1 i On)inc Banking &I n ea t o r mvg i wlcirssoitt cii ntor)cur statcnicntoi give u d call Please remember: If you find an error an your bill, you must notify us no tater than 60 days after we sent your first statement on which the error or problem appeared to preserve your biging rights ONLINE PHONE I 666 266 0212 )):x;1.'igi' I ''&vis'181' I 11,1&hi"I cf&'I 'ix!'n alt & "(s) Ivd&''AIL Attn. Biging Inquiries PD Box 982235, Bi Paso, Tg 79998 9/'„ i," v nr nli & "(I&;ic Your Name, Ac&ount Number, the Disputed Amount, Merchant Name, yransa&tion Date, and reference number vf I)tv dmi etc I I 1&m,!n(l siwi i'( d& 1 i!IS I'eg i'rril ig yoiri 4 &split«, rickrdir lg ri l!& of contact with It:;. Incr(i)anl:Inc! !tie merchwit s tesponse n rach instanc( Pi&ace;nrl &cie ari s«ppvr!nvd rlo nn!entaiion, ~ giu(kr p saic md &resin 'iou&hvis &OI'&i& '.'l'& po' ( ": I IUII!I&" v(1 &i ds p vi cfam reiu'ris PAYING INTEREST W. vng nor &!i i ic int i sinn u &iwsvsvn 'he next stale!'& itilvoupdv:I'ei'! / Barr": lnmi tn fui! ))y tt C "i/n!Ctn i3 rr t)itrs mi yOu tt id P!Id in fi 'I IW I IC'mx ml& 'd/'n&I I 'i)in'!kn(''vg i ri) vrin, intr rest o I Balance IranNe'said 61st!Advarxc cn!iic 1 .vwv:i m I); CALCULATION OF BALANCES SUBjECT TO INTEREST RATE N/vidp 'iaii/ ital,in&c Mcd od finduding n..)i Pirr tie&et, ,II 1&mu scp I !I' I v I'\; ill",;',edit!lit('IHI R II" fC"!) I'' I ',.I ill&(iidu( 0&)'I t'ior,)cliuildl Oftc I)Nance'olt&i 'tn, vf Puf&hdses Wi.'o 1 I '* I!) ! I I ( „'l li&itg ;. RA ig:I»"snriof:hr clailibaliicrsl /'he nr nl r rofrl:y ir u)vbdkng;&rc fr attvldrc t'w chil'/hadn: lnir'a&i!i!1; vi'.I i. Sist riri th).,'I g /r'(;sr il':.kc'iiv ,','"I &) 1 I'I'&'Clio)It n in)1&1'!(Rilv t »tC'pi)IIC!I)IC D I /I'1' xk(1,1 c, v'„'i )i thr I rewind rl)vs da'ly 6 I ncg ( li adci r c s I'urrh»'cs nevi A& ou! 1 I ceo Nid ivi( ci 1 ct nn c „r rile! i'rro,ippirdbi, arri& r arvl re)its I',in ddiiytWir / I'ii"'ig id ild i r I/ivi't )6 B I&!i)6&rig & ew 8 !lane& Irci sters and nen cast! Adv, rircsi W( dieu!ate svpara c B)l)rces Bubiect to an interest Rotc for Baiarco iran&'"s t ish lidvan&es and fo'ei&hintrndirctoryn" Promotional Offei balan e cordistrng ofpikoncelrinsirrs v' shit vdrwe We do this by i)i rdrcuiatir pa !laity 6 lane i)r v t ti d / n t I st &e tvnr's n;!,I '.irma&& ir rial ord lo;Ns s„ lv»& I I 1 6 gvig emir&,it with I, usi ni d" I." /. & 1'I, '6" ' TOTAL INTEREST CHARGE COMPUTATION Im. e tO)wgc ar n,icda r &virifirwnrivd a!i ".oailyb) is tod.terrninc thvlnmrvst ('lwig s )ic cx,iiioh v,i(h Bal,in& c ',ibwct ro Imcmst I!drr by irs,i,)piicdt)'c Daiiv Pcnodic I'iw .: I&sat st&'1; r) ikxg rrlhy lb. ) uribci,",'.;Ia,-. It'heb !tv&(ri&. Iodetern Ice in& totai In", rcs! i'iarge fn; mr 6 Bmp ycle,.(codd &he P(»ocic R I'i inttre I fliarges tngetiier A Dddy Pcnvdicr!aic sr,.iruiavdl) i iin anAm, iaimw(( iraq*.Rdieby365 HOW WE ALLOCATE YOUR PAYMENTS !mire i & r dcordtv(l tu p 11 r! Bdianre lf yuirr dr&ourn has baldrcdswnl &I ffeien!Rplls, .v":.i,lmui.:c i":iiivH,nr, .!ni i.cqi l tnt u ctailhnimumP))nwril)tic loihc 1 Ads 'timrim Irsilr lriml'",,::&i tsd I «11 nidr&nltt&'I':I I& tater'1 r&I'ly&I!it,lrriculi" Vir & x,& f&WV ruin !I iimrmP / trntfACVigbr sr PI!&'Itnu)dnr Wi t'i igt(rdf'RS IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE 'vy t'r I 1("'c s rvl ('l rid» /c&I io 11!&amis ( '(!I) vc tidy-w &iron ini r, & ii t t rne in iina'msti'uudii voiid "pcltc You-dust 1&ho 7 tlie :niuini . ii'it rguird hpvm t. Ior)el!prov(!mr! we(wit..&(for&&curl) &1&v!md&ton A lee nwy apply for expeciled si rvir e fo i are vi, &ng us hr foie r tie srhedureci payrneru date. 'dire day payrncnw can tot be vdn do: rwnceirid YOUR CREDIT LINES :w/ d/v!c& .id k! RI I!lsd)c !mr", ih tiwik fisli Ar!v)r ', &Orris&su!/;ivl( RIR lva 1& .', Ove;lmfs .; &'« 'd&I N,',:,inrrs hatch)10r irvi'islisdrdnccs 0')eiir)ftPrsrr&;c) MISCELLANEOUS PAYMENTS If your hitting address or contact information has changed, or if your address is mcorrect as it appears on this bitt, pfease provide ag corrections here 'd;I, 1 I ', il'11:I' r &I(" I v,"k I)",1 1 I OI v!h ICmsl,:;. I i')"&I '1 I, 1.1 I "ier (c I'( 'V 'I* )(. 'ctieduiedto o«ui. I R. Woik Pnoiie BankAmerieard ~ Cs.h R.walds. BankofAmerica ~W ViSa SjgnBturee ~~~ 4923 July 27 . August 28, 2014 Page 3 of 4 R II~ A clif Dare Defc Nc carr 4'em Cef AleeDere Afofl 07/26 0 I'/29 07/31 08/1.3 08/15 08/22 08/26 07/28 07/30 08/02 08/15 08/16 08/23 08/? 7 Purchases and Adjustments tlUC 8004934240 8004934240 IX 0 WM SUI FHCFNIFR 45884 SAN JOSE CA ATgt S1164122 SAN JOSE CA MR CIIAUS RESTAURANT SAN JOSF CA TARGET 00003244 SAN JOSE CA WM SllPFRCFNIER 45435 SAN JOSE CA HHC 800493.4240 8004934240 TX 0 5183 0081 8479 8903 0322 8774 3573 4923 4923 4923 4923 4923 4923 4923 390 00 8 13 124 88 7 60 1 72 77 60 390 00 $ggg g3 08/28 08/28 08/28 08/28 08/28 08/28 08/28 08/28 Interest Charged Interest Chargefl on Purchases Inmrest Charged on Balance Transfers Inlerr.st Charged on Dir Deo&Chk Castfkdrf Ititerost Charped on Bank Cash Advances TOTAL INTEREST FOR THIS PERIOD 18 68 0.00 0 00 0 00 $ 18 68 ,B Total fees choiged in 2014 -$3.71 Total inteiest ciiaigefl in 2014 $398.03 your Annual percentage Rate (ApR) is ttie annual intr rest rate on youi accoiinf Purclfssc Bai. nce Tran fera Drrect Deposit and check cash Advances I'ank Cf sh Adv,fnces Annual Percentage Rate 11 744V 11 7'I4V 16 991V 19 Ztev Promotional Promotional Tfaiisactioii Offer ID Type Promotional Rate Until Balance Sublect to Interest Rate 51,759 91 9 0 00 5 000 9 000 Interest Char es by Transaction Ty pe Sts 5 5 n oo 5 0 00 5 0 00 APR fyp. Def stone Daily interest iieie lip* v- vaueiil Rai i aie c ay 4 yi BANKAMER I CARD CASH REWARDS 10.01 BASE FARIIED THIS MONTH 10 BONUS THIS MONTH 00 REDEEMED 43 SB TOTAL AVAILABLE VISIT BANKOFAtlERICA.COMI'CASHREWARDS 115 h&n I » io»rm&n, p ipcrlr .. mriln rnril »I»ten&cnt» tort»i» I'upmr nt not&fic&tuun» mciniir mcrlu mitrl pupmrnt rlrt iil, kr I np itlr n &o rr min&1 ir&u rif iuiimrni I u '. Iu u&&ih u& nun&pc.', k&n n& Iu 6&&hue itu&kn&p, &u 1&u&liol inIc& ir&I I'o&&1 torl tv. llrlpini& hrrui I'I l,&t horn,in &n,luin u» inhcltnnpronnrrt ictct in Io1&clp it iuimi Shnrr nt& cvprr» &on ol'&lmnk »i h&nkot&nimii&mrm&in»iiilmnl» iir =u»p&lmnl,,&nil ui ll rlrin&tr rt np &n »1 rmllum inn &np&of&t ttmt hilli it&r m»nrr rl I n&ni hf 'it»t, hv mnlunnih& mo tnt vonrm mr& hr»&ioh I'&r»t homr»Firm rhilrl I srh onr mi &n mnnipmp&nu& pi mr i rhffc&co&tv Irnrn morr,u t&cr& *I&i& nif ihnl u.«uni. II » km! BaakAmeriCard i C sh R ds- Bankof America ~dgff Visa Signature"'ARK A MESTRESSAT Account Numbet. ~~~ 4923 August 29- September 25, 2014 Account Information iii'ixi hs iikci i(i(i 3'I('x ('ciii Mail billing moo(ries to I)at(i(ct i(hei's'3 I' i I ii 09!;3'3, Kl I'ckii, TX Tlloqgec!;t53 Mall pay(os(its to: i'lank ci'(ments ILU Bos 15019 )Vi) muigton, Dl', I Ot)a) Solo Customer service; IXCCASI!!110 ( I 3001(40.3(73 I'TY) Total Minimum Payment Due Payment Due Date $ 46 00 10/23/34 Late Payment Warmng: If we do not receive your Total Mmimisn Payment by tile date hated above, you may have to pay a late fee of up to $35.00 and your APRs may be increased up to the Peiialty APR of 29 99% Total Minimum Payment Warmng: If you make only the Total Minnnum Payrncnt each penod, you writ pay more in interest and it will take you longer to pay off your balance For example. New Betance Total $ 2.493 65 Current Payment Due $4C 00 New Balance Total $ 2.493.65 Total Credit I ine Total Credit Available.... Cash Credit Line Portion of Credit Available for Cash Statement Closing Date Days in Bilhng Cycle $ 11,000 00 .. $ 8 506 35 $53,5oo oo $ 5,500 00 . 9/25/14 ..28 Piewous Balance, .....,.$2,124 21 Payments and Other Credits........-100 00 P(schases and Adlustments......... 447.84 Fees Charged...................................0.00 Interest Charged ................ 23 60 Only tlie Total Miripnurn Payment 12 yea('3 36 months $4 228 01 $ 2.972 88 (Savuigs - $ 1,255 13l If you would like information about credit counsehng seivices call 1 866 300-5238. (13(e Pere Peen(ee ." ( i'e c('er (Iii'9/23Payments and Other Credits PAY BY Pt(ONL PAYMENT 1137 - 100 00 -$100. 00 4922 BANK OF AMERICA P 0 BOX 15019 VY)LM!NGTON, DE 19886-5019 Account Number. ~~~ 4923 Now Balance Total I otail Mirii inurn Paymenl Due Paini( n( Duc Dat( $ 2,493 65 ..46 00 10/23/1( MARK A MESTRESSAT (455 LUNING DR Sl(N JOSE CA 95118-2325 Fi t('3 f) i)inciil a(or(i(at 3 M Iii p* I 4 ii rc cp*ckpereiii*t 3 nk ix» e E 9 23)fe 117 IAIPOIT TANT INFOfyMATION ABOUT THIS ACCOUNT USE811 Iiev DB/13 CUSTOMER TIPS FOR DISPUTED ITEMS Mdnyiimv &topic(I I&i)',:. id«; i ~ itvtl;,;-;111&&» ... &Oi .1, vi vcBn&c rn»iil)c I vflvr',Sp tn&,':1'1)ri& 1 & 1 & 'r';;m! v;1,1" ", .o'111'If,m lril «!i&ris in I c ~ 'f;Snl r 1 i ii 1 i tv I; „ii Pvi * ": rm it md) « Irrd "1 & r;.)i r e(vipl '« tiiil 1 f Siato»ciir ~ Nas a credit posted to your amount) P& viva iw&v In ',lil !1''1 md',v ra i' cii ot I«'.:, 1 vvicogv',i lr! Cr ~ Is the charge or amount unfamiliar1 the kivi I e I i* &)cmo is* r «) i&cd:nm ~ v, 1;mint!on.dcstiie they rlidnnlmah air&evil!111'1&.'111"'tie& nf& 1'l 11(i V»1 & (111191,;" I'uk (m'.Wv Old!is ivnisor im! fyri& di 1 & r r ii AI i; Online Banking ! i. cdH ln&' .II vsv g ltm ovb arldrcsson 8 efiontofycirrstalrmrntm give» ac)!I Please remember: If you find an error on your bill, you must notify us no later than 60 days after we sent your first statement on which the et«or or problem appeared to preserve your billing rights ONLINE i I&11'1 1 ddi I 'nl '1 i«)&i, n 1'di& I' toi l 'tlv&S PHONE I 866 266 0212 )) ri »rcmp'Sirw&v,pkmvl&1'&i 'i irid"t rf,i«r; MAIL Attn. Billing tnquiries PD Bo«982235, gl Paso, TX 79998 Wlivi vi ',inv t)tvds&- riel&. ie Your Name, Account Number, the Disputed Amount, Merchant Name, Transaction Date, and reference number'h dopvtwi item and spvmhc rletails ir girrl iy you N.o itv i&lurii ig r')t '. nf romart ivith the merdiarn;ind t!)e n«rtiiint s iespor sr. n varh 1 .rance Pl.ase:nchrcle all supper!ingdocumerddlioc:r;uiinri.s tvt oid.rrv r iou& bc'is, centi a&(aml post)„v r&tr &n r, „il ,". O'«o' cf: i, PAYING INTEREST Wi ivillnot hmgvtriterrsii * Ounl is«sin t"" it it I& i« ili vw pay!hei'hwg,.ari'oii m 4!&by!i end!mr& t iDie it'.(c,a»i y u '1 trt i&i .'v n '9 1'mvm iv 'aynwti&Dui'Dilc W. 1&&'ed&1(t Irgir 8 lni & t,)11)l nm lr«r 9"1,1 ",'d&!1/u'&dr (rs,,n ivc iiinsir:lo'1 8:e CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Aiordie I!O&h iidl ":: kimthorl Imcl ding:: tdi du c i&!!rod»(oli m fvioniulioridl oifc cdi'ar:1 &v& 1& iini cf &&i&Ivies Ab do 1'1, oy f1'r I(utdt««', .«Idivli lanu roi i ) I il.", int & I&!i ',, c ',', "NI&qdl»;&,»I; OA« res togttl c,r«.'1l .:.": '«6 'I .'Suri of!hr dwl& 8 i) irrs tiy t'iv i«vt); & I sh i to Idv 8 yr ic 'of)f l itt& 1'ivda&ly! adi: foi &Sir!!d, n'.I i. Sm;, T I) 'r 8".clr 1&c .1 wkclti&'hepicvo.. r!avsddlyb,idorc,&hd«dn»&tkirchis&sric,i & u !i«evan&i viv an a&ton 111 11 I I ll 111 ).U)1'pl&& 11 11111" ' . "& 'l I * « 11» 1 'i '.'' I'11 If ' & N I'1'I'&dg&' 1 a&i&&'l '!sod !mr lml&ng I vi« 8 Id& 1( 6,.1 fv", 11 I i)&'1i iash Adidr)rioi Wr calcu&ate riardeBa«i& rmSub&r:tlodnrntcrrst I&)!e to 8 lav e lranslws Cash Adv r ces arid to c 1 I& I itrodu«ory or Promotionw ilffm '!an 1 cnr sitting of B)lance Irdnsrvrs O t. Sti/!dV& mes!1Nrd ihia bc&1 rw& 8 Ir r: imi) Id»" '.& Va&h8 &in't rv ! ir-idr&1 TOTAL INTEREST CHARGE COMPUTATION In(e e till rpvsac "uvdrcid vcmiipoulrl&dondr!ai; b) 6 f r: I imn: riiv'1! &Os indvr s wr: rni l»ply c ich Balm)co butimct u) Inta c»i Rare 6; t& a)f 'i:dldi ihiW i mo&'.: I vm .)nrii';,I "suit&an«!Ii )kcdlv th nirnitici vf iou, &it td&npcc"* h ilvt" '. m nra ln ei s! t forge loi tiiebilkng ycfe waddttiePe moic Ri v!nmie I!fi, rpes topdvivr 'ad, Pc indi& R,)tv .,Irulaivdbydlvidroga»Anr: 1st i&in tdv, Rat& HOW WE ALLOCATE YOUR PAYMENTS I'dviti !! riwlocated iuposledb an& ", ifyuu dtdu r 1ndsii ui cesw, I (lhvien&1&iw ,vvwildik&divinvwi oun'..:Iyour )!Iimi!vi)!lint'iv oily i 1: i&'d,- - !.Sm; kw ".: App 8,11r&vs first»nrlcriing lrwis)ctrcnvm v v dttrr '!Id, ddtev&, r p »dime 1 di,i uo, rnid(V sot VO ir TOI&i llm&mnm Paynient D& C W&llbC OPW& I'O'vi r "1 O'I ' 1 lif'IO IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE &ui &n Sll) 1( "I" lo'id P y I \'n'1'iv«':u»vili o ', ', iv ",'' 'I . 1"' '11& 1 1&«111!Ofd'C&«in& «1 f1& tv) «IC&1'1111'&»»11«v&i v 1 ', «»i ,Viuurii dml 1m rikuird tihdirn&'n. Ir)t yO rrPrr:.1" Imn Vi rdl«11'r V'."d 11 r iivi&1&i \ lvv may apply fore cpeoiir&I sr ivies lo iaiimf. c"if ushvfoiv ttie Sct voi e I payrneiit dvtv San c ddy paymcnl' annot be edited or Caner.ietl YOUR CREDIT LINES it&*',"'. I!1 (1» l»1 it &,!r(u «,nfrndit iv,lul h«'I dmii)hit '.ci!ari! i h(1lri «r «&nv Nli!!Wkfus»A&Cd, *.,* 1. 2 '&(.«»!N); i) ''.fvfou& tv»)ii)(xl&N!«mrcs simc Dii Or« id('lv; iasnliiuiircs itss le&««alo& 1 Ren!Sncdl'vm.-:1,!i: d:1:1 MISCELLANEOUS PAYMENTS 1 1 "1 s&tveduled io ocoii c v .. 1(1 '1 &,f O 1)1 1 1 ' I 1. , 41.1 If you) billing address or contact information has ctwn god, or if your address is &neon ect as it appears on this bdl, please provide aft corrections here A krv:&2 Work Pnone BankAmeriCard, Cash Rewards. Bankof America ~M Visa Signatures ~~~ 4923 ? II Auru t 29. SePtember 25 2014 Pagp 3 of 4 I I'IP P 'PP DPIP Dp I iwpp ln Iep lv Iles . PIP/ 08/29 08/30 09/02 09/02 OIJ/02 09/02 09/07 09/09 09/09 09/10 OIJ/12 09/18 09/17 09/18 09/19 09/?1 09/23 09/?3 U9/23 09/02 OIJ/02 09/04 09/04 o&J/oa 09/04 09/08 09/11 09/11 09/11 09/15 09/19 09/20 09/20 OJ/22 09/22 09/24 09/?4 0CJ/25 Purchases end Adfustments SAFEWAY STORE00009977 SAN JOSE CA 464242074284300 AT&T S116 4122 SAN JOSF CA TACO BE I L ¹2881 7 CAMPBELL CA SAFFWAY STORE00012930 CAMPBELL CA 464246103889139 SIIELL OIL 57444591408 CAMPBELL CA LLICKY 4757 SAN JOSE SAN JOSE CA 06209360757VTGY7002622616 WAI.MART 45884 SAN JOSE CA 0000000000 WALGREENS ¹?384 SAN JOSE CA WAI GRFFIIS ¹?384 SAN JOSE CA WAL MARI 42524 SAN JOSE CA 0000000000 DOLRTREE 3238 00032383 CAMPBFI I CA 384255773050558 PEISMARI'NC 71 CAMPBELL CA 0071182010101311712873 SAFEWAV STORE0001?930 CAMPBELL CA 304?GO798440151 LLICKY ¹/ 5/ SAN JOSE SAN JOSE CA 05209360757VIRY7042858800 SAT EWAY STORF00012450 LOS GAI OS CA 304262833307259 WM SUPERCLNTER ¹5884 SAN JOSE CA SMARTNFINAI53011005303 SAN JOSE CA WAL.MART f/5884 SAN JOSE CA 0000000000 LUCKY f/757 SAN JOSI SAN JOSE CA OG?09360757V16Y/042652346 1136 2337 2033 0403 516? 4.'Ib7 7921 g5cJ0 DG73 5370 0006 8025 0501 5G32 05:34 4576 9372 4682 100b 4923 49353 4923 4923 ag?3 ag23 4923 4923 4923 4923 4923 4923 4923 4923 4923 4923 4923 4923 15 87 120?0 b.ab 7.15 10 00 IJ Ob 29 63 3 60 20.09 80. 72 5 00 11 77 2'7 18 23 08 18 33 36.62 10 G3 3 gG $447 84 i/9 ' fili 'p 09/2 Oci ?. Osi, Zo t//J '5 OcJ/2P 09/?5 Interest Charged Intptest Ctiaigerl on Putchases Intei est Ctiat¹ed on Balanr:p Transfers Interest Ctiarged on Dir Dep&Chk CashAdv I/itorost Ctiaiged ott Ba/ik Cash Advances TOTAL INTEREST FOR THIS PERIOD 21 60 0 00 0 00 0 00 $ 21 60 Tot~I fees chat¹ed in 2014 -SIT 71 ~ Totai intetest ch.irf!ed in 2014 $419 63 119 Yout Annual Percentage Rate!APR) is ttie annual mteiest rate on your account Purchases Balarce Transfers Dr t D peart and Check Advances Ann ua I Percentage Rate 11 744V 11 74SV Cash 16 99SV Promotional Transaction Type Promotional Promotional Offer ID Rate Until Balance Sub!act to Interest Rate $ 2,396.44 6 0.00 Interest Charges by Transaction Type $ 21.60 0.00 $ 0 00 $ 0.00 Bank Cash Advances 19. 244V $ 0.00 5 0.00 ARR Type Defnnons Daily Interest Rate Type 1& Yanaiilo Rate &etc may vay! *.is~a),;m '* .', 'rgasm ~v„"Rh . AI .i%+4". r'*nv.'-.'.*'".bv=:."~"*,-. P lÃ'-' BANKAMERICARD CASH REWAP33S 4 49 BASE EARNED THIS MONTH 2.10 BONUS THIS MONTH .00 REI3EEMED 50 26 TOTAL AVAILABLE VISIT BANKOFAMERICA.COM/CASHRENARDS R 11 vrs R) sr i'oir papvli«.«1'«iil &'nrrf 61)li'iui 1)t& i&rifi&. f'yinri)I fir)fili&'ail 1&iv iiii iiirfi 1 i& riit,&&it f la& RIriu rii 1 &it.. Sci iip:itr'I lv lo 1'i illliiri loll iit t)ay&or&if if&in gau . Tn mvn&'h tt) hi&it&lie., l&), 01 to 0&)fi&t Ihii)kiiik 1111101!mtnincri&'1 t &)in I )&f y \'il I)I&II& rt I&i!pi&i liu'fin!'f Anlri'Irtii A&trier)&3 1 Iiiel !!i tp ilv I a&i) u11 &I aviv it nnh rlstit i)&i&i ivilinuii 11crit i&i&le Il&tfcr Anif pi&I fili foil)fng Yoi)'ll 11r vntcrc&t inl i n rtnieing fora &'iuinri to &vn) a 6 I 000 dish pre&. 't r) ii am mrirr, i i&it !iinknf!imm ir I r im/uhisorypanr I &crim 120 BaakAmeriCard Casr Rewaids. Bank of America+i Visa Signature'vlARK A MESIHESSAI Account Number ~~~ 4923 Septembei 26- October 27 ?014 Account Informaticii (i(w(.b mkof'smc nr,m (m Mail hitting inquines to Bunk ot'Ammici ILO. Bc)i f)$?;!:Ia I ',I Paso, TX 790981?1,*1 Mail payments to: fir(ilk el .\ nii'I'ice 110. Box 1,10I9 'tyiimiar ton, Di', IicBHB )Cll) Customer Service 1$0i)NSI HI I(i i I BUf)/I K13171 I I'Y I Tati(I Mimmum Payment Due Payment Due Date $ ?5 00 . 11/23/14 Late Payment Warning If we do not receive your Total Mniimum Payment by the date hsted above, you may have to pay a late fee of up to $35 00 encl your APRs may be increased up to the PenaltY APR of 29.99sk Total Mmimum Payment Warning: If you make only the Total Mmmium Payment each penor) you will pay niore In lriterest and It wilt take you longer to pay off your balance For example. New Balmice Total $390.00 Current Payment Due $ 25. 00 fqew Balance Total .. .....$390 00 l otal Credit Laic Total Credit Available.... Cash Credit Line Portion of Credit Avmlable for Cash Statement Closing Date Days in Bilhng Cycle $ 11.000 00 $ 10,610 00 $ 5,500 00 $ a5500 00 10/27/14 .32 Previous Balance ...... $ 2 493 65 Payments and Other Credits.... -3 49!U19 Purchases snd Adiustmeiits . 1,387 54 Fees Charged..................... 0 CC Interest Charged............................ 0 00 Only ttie Total Miruinuin Ps)'nleril 0 months $390.00 If you woulcl hke information about crecht counsehng sennces, call 1 866 300 5238 rrs s1crp'1 P xcrcrs'e/ercnce 1/c I I 1 Dale Dare 41 mac/ ar 10/19 ) 0/?1 10/? 1. 10/22 10/23 )0/I / 10/21 1 0/23 10/24 10/24 10/? 7 Payments end Other Credits I Sl ('Hl i&lf THAIVSII H (VAI kl/(Hl 15881 SAfl JOSL (A WM 51)PI RCflllik i(1384 SAII IOSI CA DOMINO'5 8512 SAN JOSf CA DIABE)LS SUPPLIES 'I LE 877 8800004 IL SAI I WAY STORIOU0129.30 C/ifvlPBELL C,t 3'I (JB 29/4 2688 0301 02cJ4 49'? 3 41) ?3 4923 4923 /1923 -3 ?I 3 ?8 -'38 /'? -47 (IG -8 69 )I? 50 tf 923 BANK QF AMERICA P 0 BOX ( 5019 WILMINGTON DE 19886 5019 Account Number. ~~~ 4923 New Balance Total Total Minimum Payment Due Pay(bent Due Date $ 390 00 25 00 11/23/I I MARK A MESTRESSA) I455 LUNING DR SAN JOSE CA 95118 2325 Enter payment amount $ P/case pear ds a// canecca rs 1 c me e e se . de M, ithvco c na( 4 ihyc «heckiayabi t Sank 14 f 9 23(i~ 121 /MPORTANT /NRORMATFON ABOUT THIS ACCOUNT USEBI I Rev. 00/13 CUSTOMER TIPS FOR DISPUTED ITEMS I!„ny l«ms dun m«lrhd,co aid k Bi&in .ifc (I d«;vs tlidf( istoi sos n«iv ri 1 ccognir !rr&1/mr i&'Inrt'if ',,'.I &"'g..clurpA wl sr(odin prm!'I ! I I v. Jylfrwlh \!:, a!i&i!kt" (;; mt - o,i tlvvnu:is!it! «Is !1! lvI'"& n 'Cs'l&r&r &c,ler !le I i„&d'I vrr .,„r 0 I "!&oi \ ii« i'"! !Ps 11& 1 ' Ji pi u ll&. ''" '&i! &in 1 I) «' &I'v n ('& v&D/ sc lul undl Iv'!/ Oi ."P,ln ni &ply'. Pidlt "mr!" ~ Nas a credit posted to your amount 1 ii »! .&!'.I,-,:.'r &vi tiiv:I co /«i ir-:l t vsii& her &«,irsno&«feei eve i, Irnler ~ Is the charge or amount unfamiliar? ihrvl rn; -!I i" pc's,id I!)&&&v I!n use "' )cmuvt m t& al e sure t iv) iliil nm make ,1&I coins ':" vdsvyb& & I!&n&'J vi!«&I«Is ('1«gvs or «I RNlc'ps )i'lk&v, 'I . c v i(min!i), m!Owm'r'id tii1 s!Ofnot d&y ui dr..:i. I c)'r.«m . ': fjo,dic &'tisioyvl i Dnlfneganking iti msjrovn! Bus i !Rrr&si'i! )rlcrvss onli r 'icrn oficui stdtcmrm v g&vc us scag Please remember: If you find an error on your bill, you must notify us no tater than 60 days after we sent your first statement on which the error or problem appeared to preserve your b&ging rights. ONLINE MAIL Attn: Billing Inqmries PD Bo«BBZ?35, Ef Paso, TX 79998 ,I. «i i ',,I, Your Name, Account Number,the Disputed Amount, Merchant Name, Transaction Date, and reference number uf thv;!n..cti li!er, )«(I socr Ar dvmils iepdrd &g your pisnutv, inch!ding oatr& 0'1n acl &v th lhc! nr!! Mint . nv I'tv nsprc &sant 1 rpspon c Ir& (och &i star&m Pk 1&v, Rlurfe i&I siD n li ig do(urn(& 11!!ot&, I ( uhrip sale,in(i cree t vou h»,cent,i'di'ds" i. iclvnr&cripts)'p«,fcf r&&re(un& PAYING INTEREST vv" ivtl idt &id& N "itvirsl r ivunl'&!pion hi n!rt &dterntntifyoupay!f'PNew13aavcp in'al i« f ii& I, &I r oad i ni i»c Dais and;nu '»rl r&at&I n tu'I by the frvviou, myn& nl Due Datr 1'I ni&'c. i &t,&rain,«nn est os« ",i!Pn v liunsF, s,&«d C &sh Adv rue& cn!f'e liana)Bio i (ts:;. CALCULATION OF BALANCES SUBJECT TO INTEREST RATE I «u .' d i Ikl. "( 1 '» ", ' t '&1 linvml I dll F(! Pui( ha's&i&tl fr« i'ml &i&iivrlu(cr& c pr m iu": Ofti.') t uric& comit'nip of!'«r I ases N/e r!o I'& shy Fliml ul)ung &l)&&& "& I )!I' !' 1clit ', jcv ' )o&i &i dl Itic'(i ii'a!ar mt) !'rhcr, nr lii ,".:, Jr r '«oint 0" (miis I dls& ra wy t'n! n'o!ref I ys&n thvbithiigiydv Tr .)It«la&i t'civil;!adi"«&'o reel ctr, «&'.I &ssmtrrncrt t. ilmgrvclr,v!c tl'!eke !tie „id..c .', 1»;,: dmn i:! "n&id. to,i vevihosl li D ih N«io! c Rdl n«i&nt«NJ I)y I«co « ..':Ca/& dail b Id (e Cdddne&I'drchsses new/!cc,untfees dr«l vwTiansaction d'm: mi«.o'&m! r pnl, r liis I',sr clp&lytsdr««sir Itic«/vr. wc /wrr!Rt li&ldirr ll ! iocir i lul!npridvgtld crh r sfersandnrwCdst&Advan e & wr c)lculatt sep rdc Ba a«es gobfccr tr) t r& fnlercst f(ate for Balance Transf rs cash Advann s snrl lo cd(i Intro I«&!ory or P o notional Dffei bslancc mnsistmg oF Balance Transfers u cds'&&&dc«me jvedo&lisby;I &a(ufiingaodilybdfin(a!ores!!i!! yin&i&sst lenmr r'1 1,!, .- 'r!Olm& c s"'i&sr!dr«Pl;I',inp,(Dfr bIf wit ,'\I)!is; &pd:vr'v 1!m hma! rr ~ rncmt«, m! i'l i dr&g hr uanrif TOTAL INTEREST CHARGE COMPUTATION Ir&lc rmt C'1mgc dr "i,« l,.pew«m! iil. ';: i/irs&f'y',isis Ic d term!nc the I i!prost Cl dig«a v&c m Irql& cml qal."rc 9 ii c!! n Intr' I Rarv fh il«g&plicdblv FS!ify Pcrioc.''.R lr snd!!Dt s<nrinhnlr Irs. ttmr: I cr el!tom nrtieo'!npiycle knetvrtnrr ln!iota'uei est C'idrge fot t!ie 0 Rsig rjcfc odd&&('tie I'c; ocii R i r I irma!& f t'i)rgcs iogemer A Jar!& p! nodtc Eaters dlr&J ';: bi mvrbngcnAnnris ocrcrritdpeR!&eh& 3& 3 HOW WE ALLOCATE YOUR PAYMENTS I' vn p i.s r air (d!edl mist &In i xi«'1 II yuu: ar.- it liat bdbi cdsvn!I diffvrcnl APR& w&'i I.ilr& t irc nic &n ouiru I vn iron&- i* i! Pq &dl rn 1'ir:..&al Ivknimu" & ps&mv«» )r&c I" lti. I v!v&1/JRbm)rrvs I rs! &mr!uli &9;r i,:rt r r, i&s&r r stt&r:I is ~ dl i writ Perm(rt ai i ! i: I 1 i" ( dss vf YI 'v sold 0!vi 1« . Pm ( PI I)t v mlt bc,.p ««cl li ti) 1&«vs '" t H 4 r Af'Rs IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE ,!«. Ivl I frv!!Doc&, '!" &«r,l,'I&'»11«N I 'c,!, i A&I „', I dti Yo&r '&ii) al ) seri&i mno &r&r 1!&&I;I'mr&got 't' m i& ' to& j I f ro I«uol'vp1 !!id&'i'oi sf'('dr'i\ '&i(I!rile&I&m& A fer mav apply fr r v«pi c i&vrl vs v«e fr& am pl r Il us be foie thp scl pr!Neil payment date San p daypaynicntscarr&o&.besot.do! dnrrtrd YOUR CREDIT LINES wmiih!Pl» riii c! &.I,A„„;:, 'i RI, rl«',iiisiinri 1 ',"«, &:;u'/I!J(,nh/I«1"r . MISCELLANEOUS :, 'I PAYMENTS If your bilfing address n& contact information has changed, or if your address is incorrect as it appears on thts t&itl, plesse prowde ag corrections here ' vl dim ! 'v,&'. u I'«'t fi& cr ".k ue ". 1'I I 1 Ihv !C'I &nvfiCC p rti 'I, ..'..l I tdl!'",1 min m, vgi I'sj i. ts &-c„po„,:&sian* ho n rn d «n r at &«" pin nancedlor",s (! &v 1 I'R ri'dierivled too!cur VVoik Nionc BankAmeriCard Ca.hReward'ankofAmerica ~~ Visa Signature ~~~4923 September 26 October 27 2014 Page 3 ol 4 /real'lcl I pearse per- a e (ceca u Dare Dare Deacapaar rvr &lac m lacer aalu u ara/ Payments and Other Credits 10/23 10/27 LUCKY ¹/5/ SAIJ JOSE SAN JOSE CA 9/48 4923 -5 08 -$3,491 19 09/26 09/27 1 0/01 10/01 1 0/03 10/06 10/06 10/08 10/0CJ 10/11. 10/19 10/21 10/21 10/22 10/23 10/23 10/25 10/2 7 10/27 10/27 10/27 09/2 7 ncJ/2(J 10/02 1.0/03 10/OG 10/07 10/08 10/09 10/10 10/14 10/?0 10/22 10/23 10/23 10/25 10/25 10/2 / 10/? 7 1.0/27 10/27 10/2 7 Purchases and Adjustments FIHC 800493.4240 800-4934240 TX 0 SAFFWAY STORE00009977 SAN JOSL CA 3042 /123?0897.&r& WAL-MAfll 46884 SAN JOSF CA 08515955884MVRYW180103929 AT&T S116 4122 SAN JOSL CA SAFFWAY STORE00012930 CAMPBELL CA 464276781558787 WALGREENS ¹2384 SAN JOSE CA IUCKY ¹757 SAN JOSE SAN JOSE CA 06209360757V1GY7042021429 LITTLE IJIJNAN SAN JOSF CA WAL.MART fl5884 SAN JOSL C/I 0000000000 SAFEWAY STORE00009977 SAN JOSE CA 464285213258984 WAL MART ft5884 SAN JOSE CA oooononnno WM SUI'FRCFNTER tl5884 SAN loSE CA DOMINO'S 8512 SAN JOSE CA DOMINOSPIZZA12345 DIABETES SIJPPLIES 4 LE 877 8800004 FL 57178778800004 SAFFWAY SIORE00012JJU CAfvlpiii I I. Cll 4642966948535&01 LUCKY tt/5/ SAN JOSE SAII JOSF CA 062093G0757V16Y70II2919155 HHC 800493.4?40 800 icJ342lto TX 0 Interest Charged Interest Ct&argecl on Purchase* interest Ctl'ugf.'rl ol& Balance Ti*nsfenl interest Charged on Dlr Dep&Ctlk Cast&AI!v Inteicst Ct&argcd or& Bank Cash Advances TOTAL INTEREST FOR THIS PERIOD 1069 1 3 Ca 5 4616 4182 0972 1771 3136 0110 7607 SS56 3493 29 /4 2688 0/94 9/I\8 7/&54 4923 4923 4923 4923 4923 4923 4923 4923 4923 4923 4923 4923 4923 4CJ23 /f923 390 00 56 25 12G 94 30,24 3 60 8 48 3G 36 94 8? 13 71 38 72 47.6G 8 69 112.50 lb.26 390 00 0 00 0 00 0 00 0 00 $1,387 54 $0 00 Total foes ct&arged m 2014 - $3 71 Total intetest chaiged m 2014 $419 6&3 irlnsfr rnrinhrrii 2014 STAI'B7S 5 123 your Annual percentage Rate (ApRI is tlw inrnial interest rate on your account Annual Promotional Promotional Percentage Transaction Offer ID Rate Type Promotional Rate Until Balance Subiect to Interest Rate liitsrest Charges by Transaction Type Pur'chas s Balance Transfers Drrect Depo rt ared Check Cash Advances Bank Cash Advan rs 0 00% 0 00% 0. 00% 0.00% 62,0%3 6% SO . 0 0 S 000 SO 00 0 00 SO 00 S 0 00 SO 00 124 BaakAmeriCard Ce.rRewsid'ankofAmerica ~W ViSa Signeturee MARK A MISTRESSAT Account Number: ~~~ 4923 October?8 November 25, 2014 Account Information (»»i.li mkof 1m& rio«om Mail bilimg mquines to. 8 111k ( I An1rn('1 I'0 Be& 958! Ii I'I I':i. (1, 'I X Tllpph 2!35 Mail payments to. I i(i(I& el &I&a('&1(' IL(l. Box 15015 lnimm guin. Dl'. I 0386 e0110 Customer Service I.knf)4 3 I!! I l(l il SC(L'N(ull rv )TYI Total Minnnum Payment Due Payment Due Date $ 0. 00 12/23/14 Late Payment Warning; If we do not receive your Total Minimisn Payment by the date listed above, you may have to pay a late fee of up to $ 35 00 and your Apns may be increased up tn tlie Penalty Af'R ot 29 99$ New Balaiice Iota) 10.00 Cunent. Payment Due . $0 00 New Balance Total .. ..., $000 lola) Credit Line Total Crodit Ave&lable ... Cash Credit line Portion of Credit Available foi Cash Stateirent Closing Date Days in Bilhng Cycle $ 11,000 00 $ 11 000.00 . $5,50000 ...... $5,500.00 .11/25/14 .....29 Pi evio us Balance........... $390 00 Payments and Othe& Credits........ -390.00 Purcliasu* and )t&f)uslnient* .. 0 00 Fees Charged....................................0.00 Interest Charged...........................................0.00 r uutu(ice D r 8 sung Dure Duuu( ui(u(r Du(u u rre Are ( )( Nu ue gu(uu 1( rurur 10/25 10/28 Payments and Other Credits HHC 8004934240 8004934240 TX 7654 4923 -390. 00 -$390.00 11/25 11/25 I ] /?5 11/25 11/25 11/25 11/?5 1 1/25 It&tercet Charged In&areal Ctiarged on Puichases Inteiest Ctvergerl on Balance Iransfers Inteiest Charged on Dir Depg Chk CashAdv Interest Chaiged on Bank Cash Advances TOTAL INTEREST FOR THIS PERIOD 0 00 0.00 0 00 0 00 $ 0.00 Tata) fees charged m 2014 Tntai interest chaiped in 2014 -$3 /1 $41tJ 63 4923 BANK OF AMERICA P 0 BOX )5019 WILMINGTON, DE 19886-SOI9 Account Nuint)et: ~~~ 4923 New Balance Total Total Mintmmn Payment Due. I'1vinenl I)ur D(ne $0.00 0.00 I?/?3/14 MARK A MESIRESSAI I 455 LU NING DR SAN JOSI CA 951 IS 2325 E &it&.'i par&nor&i i&i&in&&i&i $ t 9 23)fs 145 IMPORTANT INFORMAT!ON A!3OIJT THIS ACCOUNT CP0201 tqev. I'I/la CUSTOMER TIPS FOR DISPUTED ITEMS M)rv!i i r ( &!i(p iu«I rlwip&( I& '!e.,"Im ito,ls'ig (ls t«psm(')pr,)m)" t &ncot&n I I ((I 'Id& I f& I v( ms!I'Ii&IP '(tilt '& I '(& " '(»I O' » I»'I 'I vtl I '1 )'v &;k& quc!« isarirl * *.,'& r 1 lw &o)irli(puu Tl«1. 'i nt .I'«rw;:tx i 7, I (1, r!Pn;:ir :c«c 01 or t'lr10 vial&1)PI I ~ N)s a credit pos!ed to your account& Lpsr i nw,pro fd iay(fsi 'en "c 1'„.'(nil»( . i I. x i k; & '.,'';,* i k 0 r Is the charge or amount unfamiliarv is pckwnl nhr p&v ois)&i! &rued tousr !fr«ror t tr r„',; iir( 0"; ml alma." ,«I«)is)ts ', p(sny b&.'(elf&Op&I '1!t) \ I» kii Il ', ws or («I .'. (,''. rnrniira(&nsn. 'f!o&raie )at ma)l&r I in Online Banking & & r ca t ." icl&m»gr!' &n )&!cisrsson!I&efrr:ntofyrurstatenrrirorpvcasa ap Please remember: If you find an error on your big, you must notify us no later than 60 days after we sent your first statement on which the en or or problem appeared to prese rue your billing rights ONLINE PHONE ! 8662660212 )) co&A&(nfp n«pksi'uv Ihvmenn),!rpf ivnr na itir(s! )v;Iai'r f" I & I) 'h, MAIL Attn 8 i ging Inquiries PD Box 982235, Ef Paso, TX 79998 Wl p" . I iN plr"sr'i. i'i.ne Your Name,Arcount Number,the Disputed Itmount, Merchant Name, Transaction Date, and reference number ul t! ie d (um vl item,)nil spp. ilir 0 tail~ i ga dinp yoirr disput. mdudma cate ot «in«aci wt!h the incr( i &nt a!«I t Ip incr(!1)nt sic!pot)so r! I'art) in(rance Pkssp itch!rle 8 uppor!ingrion)maria!ipn in(««fir A!alp!a)ci(re(in »no(lie&A (on!. acta; 0 po(L)ge (cruin i& (rip!1 a& i &et)'of an! n iu.ns PAYING INTEREST WI u ill noichaigc mt r(st o'i Puml asps( nrhe'; xr srm i r i &'v)) pav!Ap Nr (fi'ai'0'taln fad i, 0 c Pairn n! Due D)c aniyoi twdiinl i fi! I & i!ir ppvm i f!is n&i r I) !'i1!c !'I.iuil 8 !I ) &I'aigirlp Inta)ca!on Balan-. Trsri0, 1 a r'I. ". 8 i&««i CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Avci: 8)!) i iv 8 !ar:e!(I, Wp(i (in; ludmr r&sv Pui ctw'ml 'iitru I I Ir r& or Pio I'0!1 r) I Dff(r ua a&)Le 0»«is& ng oi I'ui I is 1 W ',lo!OI 1 LII,Ii (a I r! It&i!g -iual(h la« ',r& a;I dayrn!Oc biting I&'c .', "I:I xhr'cdi, b« ra&«I rig rh. 0!r) of!he dad( f1&i))rrs by It)r «& n&hr r f,la& ~ i; I ir his, D t; cakulafr thc da&ly bzai1 I for (a(ti d)1 n tm (:-:0 r )ri ( t ) 0 g.r&'r,v(: I Iaxc 0 8 "I' ' '*l,'I '.Ml v) I'10'u!('RO1 I;( &pl li A IP Dr.'I IL the previpusdaysdailyha!ar«e!3!)INnev furr iascs nev(ANOO t'nc . &I im rare i!or .'r s,)r I 'd!«2)'r)c( )pph()blr p 8'r'i&'n!sar 'I &rr 0 is I&err I «I .Pro Avr mgp '(alan&a Mr I')od ( nr.'&Irling 1 &p&v 8«i»no I ra& OI& rs,inrl nvw '(I 8,'&,r) rm !Vc caicuhte &cpa!ate Baton(ps Subpct 'Iu an in! air st i(ate fo !isla c& 1ransf rx L )sti Advar«cs erd for each I itrodur!ory nr Prornotiorial Dffei t)a'an!r mrs&snng cf B)laces'.ransir s ) Iad!Arlvar e( W'do I!us by fff,akutat ng,)oailybulnr eL res br&ay i i et&(sr,!Pi')ei&i s v. Ih a t .»: t )n d)li* r r or ro:I is lat r 1 i!'E I 'li.rp r r I) i, TOTAL INTEREST CHARGE COMPUTATION In' ' 'urge»ac'i p ar rl "e compr»mded one dmly basi( To c!eiema) Ihe mimesr. "iwscs .Ic p« Im!! cail'*lamn 5 ibi ct tn inta (sr 8 itr by it! a&pli at)ie fxnfy Pr iiodic Ra(e ar rid) 1':uhi(r) ilt!pie lb) the nun)bc(& f&I),": 'nthp! & mpD)cl&' ld('lrr'r!1'i& in& to!)' )I& rr s! ( Ii) ... Rr 01&!& Bir g Iyrk, &vs add!he Perm&ic Rate truerest O!)rges toga&!!er 6 D)dy nv indi(INtesrafcula!INbyprvrdmganAni &ial ower niap Rprr hy )65 HOW WE ALLOCATE YOUR PAYMENTS P sown 1 i r ag(ic &md Iu po,'eo ba ai icos If yuui accoui ! I as balw ices m h d geien! APR& ..»)Amt" n«: n ou«o!;nirpaytnr s:eriial mine otai Ms» num pavmpi IDur. !Othe 1: Al 8 f)a( I (. fnsr I '1 lid(&18 ha lsal(t .(I I')ado an(II II &sm;Ic)&v'I'If P Ir« of I&')on& v) rr *. Ol vrxir Tn'w i&bra &)um p)ymrn&D&c vidl tp appiied to bapr ces wi'h tvgt c) APR( IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE Wl I I& a ( '!Po ) I PN iv I' c sri nu. o i I 0 o Ie i* tn &u i iu &r P& 1 Pr ir s) r ri lf Ii ))o„ra(r(va(!O'It) amitciaiinsri! I )nvoudp,iNwu) tou i!us!Oct&in mihp I'I« inl ar rl 'i: ) ng of cail paymmi t'ir your I ro e&!I ~ ri 8'e wdl as« 'for sr»ur Iy.ri nrrn)1(n I A Iev may apn!I !& r expedited se vici !o c)nccf, ra I us br fore Ihc scherluied pavmpnr dale birno&!ay Payn)en&S Cannat be eo &Cd Or an&sled YOUR CREDIT LINES k & I COP I I r I n ',he 1&«)r "n ofr, "t )v) 1! 8 I I 'he I I II ': P&«IL'1",; nl ( I ".rn v '& I t () I Advar)&cs !« i Oui irp I! I n, nlb)I . &va:„ I:; s)k;v(i Iirl& r«w 00, )llv t!) Af)sin v n&p&0»)srmoti'iM(r(hhdva)rp( ilv . ', I "' I! Ia,i Alimir s ROO1c f)a, Dnlir i I)Afvrmnn i&i(.d:VII'olc 'ct MISCELLANEOUS I'cr I PAYMENTS If your bi fling address or contact information has changed, or if your address is mcon ect as it appears on this bill. please provide aB corrections here '"I I «I;I ('u«)en»el I I'I'I OI L '. '- A( Ir.ss &'I v C su«eau!ed to o«ur n (v I, &Uo)« 'lone BankAmeriCard Cash Rewards- Bankof America ~W Visa Signatures ~~~4020 Octohm 28 November?5, 2014 Page 3 of 4 your Annual Percentage Rate (APRj is the annual rnterest rate on your account Annual Percentage Rate Promotronal Transactiorr Type Promotional Offer ID Promotional Rate Until Balance Subject to Interest Rate Interest Charges by Tmlrsactlolr Type Purchases Balance Transfers Direct Depostt and Check Cash Advances Bank Cash Advances 0.00S 0 OOS 0. 00% 0. 00S 00.00 SO 00 00.00 00. 00 00.00 00.00 SO 00 00.00 127 12B8 BankAmeriCard ~ CashRewaie'ankofAmerica ~W Visa Signature"" MARK A MES I R ESSA) Account Number ~~~ 6978 October 28 November 25, 2014 Accus\'Il iiifcniiatieII tnni bankofiinprirmrom Mse billing iiiquiries to: Pank ril'Amrnm P O. R(ix I.)5:?:-'I.) I'l I)iso, TX 7TDGYC?Zlr Mail payments to. lian k ill'I(ioeriini P O. Ilox ui()19 Wilimnf,inn, Dl", lrxSBG 5010 Customer Service: ISCCASI 1?I)0 I i,lib'i))I?IL3173 TTY) lottil Miimnum Payment Due Payment Due Date $84 00 12/23/14 Late Payment Warning: if we do not recewe your Total Mliliitiiliii Payment by the date hated above, you may have to pay a late fee of up to $ 35.00 and your APRs may be inmeased up to the Penalty Ai'R of 29.99% Total Minimum Payment Wernmg. If you make only tile total Mmimum Payment each pened you wilt pay more in interest and it will take you longer to pay off your batance For example. 4':-'-,:.:44Z, i .,:.'.: ...;,,;-.:-:=::.:=:=:„---;,: i;;-„;:::;:::;; '„';,+'::,;,4;:;-',,~w„:,.",',~94-;; ',,4 New Balance Total $ 4.436 31 Ciirrent Payment Due ,...... $84 00 New Balance Total $4,436.31 Total Credit Line .. iota) Credit Available . Cash Credit Line Portion of Credit Avmlable fnr Cash Statement Closing Date Days in Bilhng Cycle .... $ 16,000.00 $ 11,563.59 . $8,000 00 $ 8,000 00 11/25/14 ...29 Previous Balance $3 *12 /4 Payments and Othei Credits .. -100.00 Purciiases and Adiustmcnts .... 983 28 Fees Charged...........................0.00 Interest Charged ................................. 40.29 Only tire Total Miiillrrulti Ixeylueilt $146 92 17 years 36 months $8,111 55 $ 5 289.12 (Savlllgs - $ 2 822 43) If you would like information about medit counseling services, call 1 866-300-5238 P resp 11/22 Ri'P A«pi re Payments anil Other Credits Pl(Y f)Y I')IOIVL PAYMENT 1 13cj - ) 00 00 rrpl -$ 100 00 i 978 BANK OF AMERICA P 0 BOX 15019 YYII.MINGTON, DE 19886 5019 Account Nuinber ~~~ 6978 New Balance Total . (otal Minimum Payment Due. Pnymr Iit Duc Dote. $4,436.31 ,84.00 12/23/14 MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95118 2325 Fiilel pnynielxt lliiotilii 3 M Iil: Penal 4 Il rp n sn r sleip p. nk fs rps L9 VIII ~ 129 IMPORTANT INFORMATION ABOUT THIS ACCOUNT CE020! Rev. I!/I a CUSTOMER TIPS FOR DISPUTED ITEMS tv, t & 1& "r. d&'I«n "I lha M'tc &CT I 'it . "tps '!tnt& l«lel'lel.,l )1 "ct tr ccgrtlte qnrumnt tml e..',re«i&:r «a &!&«;,',. i!s nl. rl«- &n 1 r; I, "«Do I r,iidcnvlir ~ Nasa credit posted to your account) ;1 i I', If'I ',t:II)& I.) I'h&,:'n x& „C: In&I I el, 17 I'k'1(&" I'',." '1. !&nl ~ Is the ctm)rge or amount unbmitiar) i 1 k w & I tc I " pr «' ten «r .;"'n: 5&':I a r 1 tr t to r ake art r i)un r!irt n I m)'& ,II I out&is un Les ) u '.C 1!& 1&' '. 1 th 'm I I Li&!Ig('1, I d et., &L I ll« st, e)icnt«,n»c fr&i., i tr: i .I'r lv Oniinegankmg il m, tn; tiegiai f!I L«vr'1 ) !dr&song'.frcnt,'!cia siatr'n(nle rive s )&alt Please remember: If you find an error on your bill, you must notify us no later than 60 days after we sent your first statement on which the error or problem appeared to preserve your bit lmg rights ONLINE PHONE gI)) 1.866066.02!2 MAIL Attn: Billing Inquiries PO Box 982235, Et Paso, TX 79998 Nnw w: t ng pie,h,; i..k your Name, Account Number, the Disputed Amount, Merchant Name, Transaction Date, and refereme number u! tiled«utt rlitrrn)ndst)crit&(o,tail &cg 8 tt ynurr'i;i& rurnt lf &&1; * of comact witt& tt c mrrrharlt )nn I'&e nter&0, nt'.",pon«e r & irh &r, Lmcl Pte 1 r&r&udeall upmrlingc'ocrxner la'in i,a u&c 8 &air «nut&!c&s Lou!, c& a'cl p)snl&T'l'0& PAYING INTEREST'6'li i lrh,-t( m& t stun i. (I 1&e ruth 11 tatei rnt i"ni. &i vltl& N'« tlaai* 'ota! atf eltett r oapn" & 0 .. I), t&,an! y«!«rlrit1 nfi:Ihv the p eviu rs pavmr&'&Duct)me we 7 &I hwo, rl w:in:& 'iihi o R Ian Inn,'. s i rl I i I I'! n n r1 or 7 ( lr ir" )N m t cl)R CALCULATION OF BALANCES SUBJECT TO INTEREST RATE 'lllrodu ic&1 Lt I'I 'I'(tun&1, tbf': alt&ceil'(&sung it'Ilnl«l c«w'olt" I'y 1! (8 td ltillg .1!elvh)le «',& vs« i, i" "i I Is &I;r't „", d&I guilt&«(i)»;ht„r r stnfclw anni& i;In! 'i;i snmof;hcdah;)e)i r ~ o,:t.e iditnw «f,lsy.x'ur.oeinpc;«-&c I: cakul t r'ei! i'yu)wnw ic,;.»rhd;; "I, spte&ncri'st 'i goes sc;l,hike&i ( the pievrou- M)y& dadvh)'e:c,'l&MI new&mrs ds(s, 1 «'A( mint rr r1 .: (In(mimi d&t )n Imdl lt, I'mse 8 I r.r) Mr-r irxt r rx'Lrniig reed..l ra i liar )furs dnrin&«i; t li r1dvar«:"I Ice t)truhic lr'pd'd!e Bdt &r&csbi n!cti', an tnt. rest Rate fo Bdldi'ce Tr insier 0) h Advan(cs ar d for etch tnt roducroi r r Pro eolinnel Offer be snrc mnsrstinr cf Be!dr ce .ran(fr rs i to«h A ltdcea Is&Cd« ihr) b,tw)u; I I ngd!vis hrl, r&L, fe& Cd&I. uO u) ttu) Srdlemen&, TOTAL INTEREST CHARGE COMPUTATION &furr elf&large« tl I,"d& 0 '"ColnpoL&'1 ell &1 .d','tl &« l)i&et'" no'tt) 'u&'«l ct«ltgt'swcltx l'Idyt'1&I'Bdtmkc)lt&lcclulkt! re ktt& b, ts',piraheDiil n&ii v(flite antlth tmsutlisr&dleliel'!ytti rnnihc;N&la: I!Pt'&M „." '.;:.*tnndi& t"& loL)l liue&r&( ftiargeinr diet)thng(y lrn«eaddI!S Per::.Ra . & imrC" r 6'&IP ') Cu&C& Ada&IT Pci&odic Rate is rrlrutatedby,,n",I& i;,)n Ant"iy "rerum&I Rm m Ii) HOW WE ALLOCATE YOUR PAYMENTS Payttwiwareattoci el tupmu.'Ll )re&a it yuur irrum &imi alii e«w I dif rr &Apqs v'ail 1!&1cdt &0&v)il'olin; Lf v)am)&n&.'c &! &el In& &', .'r» x&c«v" r t.! m': 'I tovcshl'Rbaal ccsfir I!imtidingulislct,;".;-...'Lait 1 'I 1 .: i le-Il'&ti)mt tat ini I *, tnc rr'sofvolir T la&Ms mtinP y xr. Die«i!i!a,ipp r. t isr i,en; I i ste At'lt& b&au&r I, I, xcs e il'i s vci APR& IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE pmr iei'tfrornoiil dr(nut t &lit« .'rlinri i »; cult)n .)i 9 ~; - e \ i« i 5» m, drrluutltand'&mr&garrett'plyn)erh I iryutrprc i* ti n vrmi e&« '.'! ur r& it& It tee may appiy for experl&terl sr roice To ran et.:.C l tis halo&a!!&e )iiierli lerl pdyc&er r dere Same dat payments cannot be cd red or can )tert YOUR CREDIT LINES vailtutr fn 9))nkl nncli)nm)'rim)'Iv fl;,ki i:»ubdi .,;,»;;:a', 'i.mlvr. c& !1:tt ( Toirrt&s!Olt!Td I Al&'7 cs '.:. lli Or 1. i) PA! z - & v MISCELLANEOUS PAYMENTS If your billing address or contact information has changed, or if your address is incorrect as it appears on this bitt. please provide ag corrections here :L st& mauled to ot. ur lyo& 1!o &L BaftkAITTericafd ~ cash Rewards- BankofAmerica ~4$¹ Visa Signatures ~~~ 6978 Octobei 28 Novcmbcr 25. 2014 Page 3 of 4 / oooo 1 '1 /osl g n I' ro oes pro 1 pere o o I ro 4 lr'' 'io/ 10/25 10/?6 10/26 10/27 10/?9 10/31. 1 1/0 11/05 11/05 11/07 11/07 11/0/ 11/10 11/1? 11/14 11/ lo 11/18 11/1 8 11/21 1],/? I 10/28 10/28 10/28 10/28 10/30 11/03 I 1/07 11/07 11/07 1. 1/08 11/10 11/10 1 1/11 1 1/13 11/17 11/1 / 11/19 11/21 11/22 11,/24 Purchases and Adfustments HHC 8004934240 8004934240 TX Argl S116 4122 SAN JOSL CA LUCKY 4757 SAN JOSE SAN JOSE CA 06209360757V1 RY7041 754327 ORCHARD SUPPLY 4691 SAN JOSE CA 10?70t&9102609514082813500 WM SUI'ERCENTER t/5884 SAN JOSE CA SAf EWAY STORL00012930 CAMPBELL CA 304304748957192 MR CHAUS RESTAURANT SAI'IJDSL CA WALGREENS 42384 SAI'I JOSE. CA WALGRELNS 42384 SAN JOSE CA (VM SUPERCENTFR ¹5884 SAN JOSE CA SAFEWAY STORE0001.5743 SAN JOSE CA 384311/84700954 LUCKY 4757 SAN JOSE SAN JOSE CA 06209360757V1RY7043269585 WM SUPERCEIVTER 45884 SAN JOSE CA PET SMART INC /1 CAMPBELL CA 0071037410101192308298 SUBIVAY 00387837 LOS GATOS CA 687-182.131656 LUCKY ¹757 S/IN JOSE SAN JOSE CA 062093G0757V1RY7043038183 WALGREENS ¹2384 SAN JOSE CA SAFEWAY STORE00012930 CAMPBELL CA 4643232807712G2 WAI GRFFNS ¹?957 CAMPBELL CA SAI EIVAV SIORf00012930 CAMPBELL CA 384326072715369 7654 15 72 0260 951 5& 3147 0792 2240 41929 5009 9?34 0/56 4214 9314 7601 1845 0983 0237 7800 () /81 49?3 t&9 /8 69/8 6978 69 /8 6&978 6978 6978 6978 6978 6978 6978 6978 G978 6978 G978 5978 59 /8 390 00 122.40 16 5? 34,67 42.07 28 66 8 69 10. 78 14 40 43.30 17.71 27 74 65.9? 6.25 4 99 3.09 40 BG ?9 37 $ 983.28 ll,?! I I/?! 11,?5 11, /o 11/2( ll/2'1 11/25 11/25 Interest Charged Inlet est Charged on Put ctiases Interest Ctiargeil on Balance I tansfers Intelest Ctiarged on Dir DepgChl CashAriv Interest Charged on Bank Cash Arlvances TOTAL INTEREST FOR THIS PERIOD 40 29 0 00 0 00 0 00 $40 29 Total fees charged in 20'J 4 -$ 3 71 Total interest charged in 2014 $493 10 ( rllif 1&ulil itl ill 'clit (Yi 11 f lvrllt I iuo hilt tir'r li lllormlsi d tc ssa(K) 00. ( m&W ii»f iti nid'1'ivii Itii il ('rwhl I imit his 6 1'n mrir 1. 6 to (I(inntlili) 131 Your Annual percentage Rate (ApR) is lho anrui.il irueresi rate on your account Purchase Annual Percentage Rate 11 7«VV Promotional Transaction Type Promohonal Ofter tD Promotional Rate Until Balance Subject to Interest Rate 54,319 31 Interest Charges by Transaction Type 540 29 Balance Transfers Drrect Deposrt and Check Advances Bank Cash Advances 11.74SV Cash 16.994V 19 24'IV 5 0 00 5 0 00 0.00 5 0 00 0.00 5 0 00 APR Type Dofinivon Daily interest Rat* lype V= Va& abl&* R«te (mi may vaiv) BANEAMERI CARD CASH REWARDS 5 94 BASE EARNED THIS MONTH 2. 85 BONUS THIS Mul&TH . 00 REDEEMED 77.41 TOTAL AVAILABLE VISIT BANKOFAMERICA COM/CASHREWARDS Vnn'r( met& ri tniuiii lhr linnh ofhrnini«'rhi r tvihinr I. Iir Ip n I viin h&i iirrir &loin 1& iu iniliviu&l iir m'(d le do hrlirr Ami p&w fo& juirnnyyon'll Ix riih t'&'d 1&0&1 ti dl is'&&if'&ir 9 rliaii«'' lo 1&'Ili &1 Mhu(B& nish fii'ir&'r& I«&&i &&in&'&71&su Is&i&le&fail&fr&ra ro&RA&&hisolymiiiei today. hny yes m «& ure p Rx rir ss & n riir r it I, is&«mi ni. inri iy I'mrni n rri'&,i isms inrinil r r du r uri p«iuirnt rir i iils Rr& up Aieris io rr rnmd vou of p«ymeni dne ri iles. Tri sivilch m mimi(ca, Irig &n lu Onhnr Ilankmg ril li &nl&nfimrt i& «( nm lurl iv. 132 BankAmeriCard ~ Cash Rewsids. Bankof America ~W Visa Signature'-'ARK A MESTRESSAT /crount Numbm ~~~ 6978 November 26 - December 27 2014 Account lnformstiofi ii ri ri I 1, I I 1)i ri I, 1 1 1 1 1 1 I r , 1 1 n m Mail bilhng mqwnes to Batik i)t '1111('r'l' I'0 Ikix 95".3). I'.I I'as i, 'IN 79903;.",.',*)fr Mail payments to. Bank cl rimvi «a P I). Box I Sit)19 ii'i)mni ion, DK 19336,)0)9 Customer Service 1.500.431 'J)10 I.YU011401)173 TT) 5g, Ji!,„;,) Er 1 i,*;. New Balance Total . CUI Ieiit Payirleiu Drip. $ 5, 743. 9G $ 11 3.00 Total Mirsmum Payment Due Payment Due Date $ 113.00 1/23/15 Late Payment Warrung; If we do not receive your Total Minimum Payment by the date hsted above, you may have to pay a late fee of up to $35.00 and your APRs may be met eased up to the Penalty APR of 29 993k Total Minimum Payment Warmng: If you make only tlie Iota) Mmimum Payment each penod you will pay more in interest and it will take you longer to pay off your balance For example. IJew Balance Total ... $ 5,743.96 I otal Credit Line Total Crerlit Available. Cash Crerht Line Portion of Credit Avnilable for Cash Statement Closmg Date Llays in Bilhng Cycle . $ 16 000 00 $ 10,25G.04 $8. 000. 00 $ 8,000 00 12/27/14 32 Pievious Balance . $4 43631 Payments enii Other Credits....-109 79 Purchases and lidiustments 1,351 11 Fees Charged.............. 000 Iiiterest Charged ...........................56 33 Only the )otal Miiiiinulrl Payli1etit 19 years $ 10,713.00 $190 22 36 lnontfis $6.847 92 ISavings = $ 3,865 08) If you would like information about credit counsehng services, call 1.-666.000.2388. 12/16 12/23 Payments and Other Credrts WALGREENS I)2 84 SAIl JOSE CA P)IY BY PIIONE PAYMEI'IT 9629 6978 rJ 73 1 J.40 100 00 -SJ.09 79 b'178 BANK OF AMERICA P 0 BOX 15019 iNILMINGTON OE 19886-5019 Account Nmnber: ~~~ 6978 New Balance fotal Iota)Minimum Payment Due I'ayiilf:iit. Dtlr: D ltc $ 5,743 9G 113 00 01/23/15 MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95118 2325 Filter p1)'ineril 'iiiiolliit $ Pi ss p rw iirrvre, 1, . r r,, E 'i 7B)ls 133 IMPORTANT INFORMATION ABOV7 THIS ACCOVNT CE0201 Rev. 11/1a CUSTOMER TIPS FOR DISPUTED ITEMS I! r! u 1'.,Iii« iwdl ct diig'«arv,"dtt 1,)t&.'. mgr\;hdl &.I«t«i &ps 1 ni&111 &'t &rr&1 riu' lpn "i!t i",."&c'«d«p tipg rl&irfw &. ' assi «'tl'lot y&suvv's i t! 1&'&n 1 s &!»& I &mr d -& 1& n «2;1'sf r'':Ir'I a& I. Ihrvx,tss&t'.Pls!I'nu& 'I'", tsl u'fn&dit'ci& I;;ur ~ Has a credit posted to your amounts «&ia i-!;.Iiw!.s» h d"ict!np in &tvnitvo»cnvi & imkx«vlc lgv p T Ivrl ~ Is the charge or amount unfamifiar? ; r, v i'I chm pr" vs& sutlwiste I inu el!'vacrou'«make sure ttsry dict n"In'pk &uo,".bribe&(twiner",I'1'1 i:' gi»&iw,apt to "«&'salad'I'-'sun('' .)»sml«ts us '„')«o )fined with &sn»ld& &lid(tlc'\ m lfxk ud 1&P) &! i:„; '& nr;i c cr;ts«r, v.:; tens»clio i ', rad«sm!'rn!,ily: ui ac.oi;: sti'c m «I&; r I 1& t,o& ai: »r 1&niolfrdinOnlineBanking rt & r i 1 lev &i fiusv&gilw eris ) I 'ssontltc f ento&to&»'state nentor rpvr usa raft Please remember: If you find an error on your bill, you must notify us no later than 60 days after we sent your first statement on which the error or problem appeared to preserve your billing rights ONLINE PHONE $7)) I 866 266 8212 MAIL Attn Bit tin Inquiries PO Box 982235, Ef Paso, TX 79998 ig i;!ppsr a Ar Your Name, Account Number, the Disputed Amount, Merchant Name, Transaction Date, and refewnce number ul lb. d ax!mt iwm dnci )pe&me i&.tail. regd &tmg your disi uiv irxfu fmg dawn of i o s dw wiris rfw n & &&'tnt dna tile i1wt c!1 int 1 response n path imtdncv ,ncmdc,s'I upper!ing cncutner tdiivrt, &v& ~ &As';; s fps 'sii r r&r. n &«ur xrv &cvr«x& d& c psm«rps.&lu li &, rcr; &1 «1&si«)i cf Iny rplr wn PAYING INTEREST N will sdiih tg& ivicipsi o«»ui t &is& so i &to rstsraiei en& ifvo ip \ th Npv Baai'c 'cr i! mt i!I l i &I'c Pdmsc& IDuc 0 war f you twdrsstdn', fi'!1)v tlwpm ious Psym&'i i9»cfisic 1!v:xi!',",I «r t,nqinr.* irirviesi 1 tialvn e h«nsfc sar&lcd It Ar!van, ps nn st c tr )ps)min & dsw CALCULATION OF BALANCES SUBjECT TO INTEREST RATE i)i ii Bplirvc M r ind fi&»l»dmg »ed I'urcti v&wl .&6&I fml'c d» 6 tc vsi Ptu fn. !Vi;I 1 e diid los exl 1&tr ) '1 „.rl o I'r n »&i visliyfferhdarxpcr&r s&sungni Fur&hi&vs Ni lo tttisi y (1? c fculdnnp 1! i»I slinr .'Pi id&I rid?sr* I i& !&If&;";ci&,, fad I «gag'!I c&f& f7«, ki tr to(cthe »nit'!I ;, «I & 9 tv sr «;I, lir dad! riots &&vs o! &tip n& rnbr r r I rl y«rr t'sv I I! mg r yr lr ..)I &ildt pic ris&r I 1!mrefo c irts,lsvi i:I &1&" rrr«ct!st i'iig&v&lc v!v It!take i'nc. ," d.':Im,.r,cirriq»:i t,l aiffcdl 0»i'yivrol Ksrcrrilnpm:luy rhr r reve *day. rh»lyhai n e II! Arvlnei&P re&sacs irwA& ountiecw, n&fnev Iran action 'c* .1 «! m& &!wni&:,sip«:,cl psyrnvv«;.r i &re I 1 I'vm rlsrlytv ls: -* &lv . d d«!&« *,;". I«,&u ,'p.&. A i«a"I, I*. ire Met sort(inr'1 ding no&v Baldrire ?rat )fera and nvv 1 I&!rlvdn&esi iyc ca!co'ate scparale Ba are s subic ct &e an fn iciest Rat& fo Be!dr cc Transfer:, cs h Advene«ard lo each lntroducrorv or Pron otinnsf Offer baran e consrsting cf Baler ce'r nsie s o ! ash A&N) !ye&le I as!)I !1! rdlcutdt nga lwfy b fdrir pass ed&I 6 y m th 1 &r lr & xnr 1 &,1',Isr»p«11,',)ll'I»,, lo &'d&hri&&'pi»s toit«s ~ Idrpv rlstsl&rk „Ip. „t,rt d«&, .11)t »mr ra'h«1 t nut«I»'ia'g&»r" bnvntl a!&VS&,skr! dp tmi IS * Rl-sfrl«gaa!I'm!1 wldrc& i I, lie& .n!11';«&lig'I& 1, "«! « TOTAL INTEREST CHARGE COMPUTATION Inn«'.''. iargcss '&pardon*& mpoi id.den &',.i'!tasi& Tort iv iran& the ntmrst cv: g&s Priv(olid rhh i!i e'.I cttoint &stgdlehs il Apli dhi IA)if! pctinmcgi c ,snd lmt Vs&1! &&&&)&lnnkv I!! Ih r icihC Cf&li,: «thetn&in, y&f: 'O&I &is« irC I'vtul)'n'co" i!i 1 ifp!&» &v& h lang ycl&, '-. adrl die Pvrmcd Base inrr rest Ciidrges tuger'ser A Qady pencdi! Ildl sr!le!amlbvd&»N&&sqdiAnv wit'cri». r'r t(aiebyni)'OW WE ALLOCATE YOUR PAYMENTS ih&i»pi,,i r, 'rxdi d &ulxiswpl sai: &1 st yuurac&oui i!idsoalsticesv i hdgeisni!&Pds, "i v!i i,i««&" li& i:«w»,: ' mr pv) ic i'q ...'n fm otai f lir »ni. i P )mr i'I !I & m &I v i"om: 6&'k!,1 t,est;Ii»&lie'm: i& & si&iwnsvwn&.,sli *r 'I ra mal mwll Pi;r«cnfdns ust. l,n 'w«l, &rla:,! &I"irnumP w«pi'Drv&'!i!It&r,siipli&'dtrba'ir&vsv "I: t ql vrAI'9& IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE Y!I (s),&; vrw P I c, I«&" c . Pr mip I o: ' t. ms«ale&inde&tier'lc 11 « I&i ""»ai rdr&.v 1 «l w lnp cv1 i(sr&'111 y udvs", mv 1'oi& xntau&10121 ds& d rx,lrd, In;Ital f i)1 &'xi'spi'n& «1'i 1 &1& 9 &&pro p&f n&1 v!p'a'&,-1««; &sp&'v'I&!'1 nnnnto» A'ee i&i sf rppl;, mr &1! e&htvd se .r& foci&»efd srl t&s bvforv the sihv&fuic !i..svrnr nr darr.* Sirnr ad, pdynsvnrs ranr r)r 1&v r r! «if nr vanir led YOUR CREDIT LINES ::. I A!I ':.; i.ri; wlv,gat ~ iasnhi&si"2 cu"1«; t!Q&1!mhi'ilvd»rv. MISCELLANEOUS PAYMENTS If you& billing address or contact information has changed, or if your address is in(on est as it appears on this bill, please provide alt correcuons here '"simp i«rut&envoi)oe «&Pari!&h&'res&pi&«pc&&»Ps»fin«''&mt'mv I'11.1 &'1 i c!:eanvr. pie'-'m I r,il ra&dr iemi & n I I, I ' 't't&r I t.v&.'( &us»»v'stv"''1;» msri n 'st'«via)&v'spic 1:I d! s&.irdsufr.d (no&cur BaftkAmeriCard I Cash Rewards" Bankof America ~W Visa Signature" ~~~ 6978 November 2G Deremhm?7.?0)4 Page 3 of 4 7/er/eee//m D. ie Pe lag Dere Deer/ y//e/I Nu ///. e/ Acre/ Ne /ree/ 11/25 11/25 11/26 11./2G 11/2G 11/2G 1 2/01. 12/03 12/03 12/02 12/03 12/05 12/05 1?/07 12/08 12/08 'I?/08 12/09 1?/09 12/10 12/11 12/15 12/15 12/15 J 2/21 12/?4 1?/?4 11/?6 11/28 11/28 11/28 11/28 11/28 12/02 12/04 12/04 12/05 12/05 12/08 12/08 1?/08 1 2/09 12/10 1?/10 1.2/11 1?/1 1 12/12 12/13 12/16 12/16 I?/1 7 12/2? 12/25 1?/?6 Purchases and Adjustments QUIK STOP ¹0034 QBO SAI'I JOSL CA MB CHA(IS RLSIAIJBANT SAN JOSE CA AT&I S116 4122 SAI'J JOSI=. CA LUCKY ¹757 SAN JOSI. SAN IOSF CA 0620936075791RY7043486528 FOODMAXX¹460 SAN JO SA(4 JOSE CA 06175510460V1 BY7043084G3') I-IHC 8004934?40 8004934?40 TX 0 WALGREENS ¹2384 SAN JOSI CA WALGREENS 42957 CAMPBELL CA. ORCHARD SUPPLY 4691 SAN JOSE CA I?0306910?602914082813500 SAI-FWAY SIORE00009977 SAN JOSE CA 384337280594435 BLUE SKY CHINESF flESTA CAMPBFLI CA DO( RTRFE 3238 00032383 CAMPBELL CA 304339831662084 SAFEWAY STORE00012930 CAMPBEIL CA 38433980799?984 WM SUPFRCENTEB 45884 SAN JOSF CA QUIK STOP ¹0034 QBO SAN JOSE CA THE HOME DEPOT 41009 SAfl JOSE Cit SUBWAY 00387837 I OS CATOS CA 687-184-1370065 HALLMARK CREATIONS fl58 SAN JOSE CA LUCKY 4757 SAN JOSF SAN JOSE CA 06209360/5 7 Y1 RY i 0426/588/J f)IG I OTS SIOBI.S l/426 S(IN JOSE CA SAFEWAY STOBF00009977 SAI'l IOSF CA 38434529677171( WALGRLEIVS I/238/l SAN JOSt. CA WALCREENS 32384 SAN JO,F CA MR ("HAUS BI=S'Ullln/NT SAIV JOM CA I/ALCBLLIAS 42384 SAH JUSL (M PLTSMART INC /1 CA(vlPBI LI C \ 00714738101 01? c)? 7? 1 cJOO QIJIK STOP ¹0034 QSO SAI'l JOSL Cil 6282 4620 387(J 4457 5559 5091 5937 7899 2913 0217 OBTO 0000 0889 6431 2840 3775 2202 2184 5916 54 1 001 9 9541 9707 474. 8/J05 5 c) 6 2 91cJ4 G978 5978 6978 6978 6978 t&978 6978 6978 6978 6978 6978 6978 F978 6978 6978 G978 6978 6978 6978 G978 6978 69'/'8 6978 6978 6/J /8 6978 6978 20 00 8 G9 122 40 64.54 22 31 390 00 14 40 48.28 5 63 6 09 7 05 9.63 37.76 20 00 20.96 4 36 141.10 174.54 o I /IO 27 15 1 20 30 00 8,69 ?? IB 60. 22 ?0 00 $ 1 361 11 12/2 / 1?/27 1?/27 12/27 12/2/ 12/27 1?/27 12/27 Interest Charged Interest Cha/ged on Put(hoses Interest Chargerl on Balm)ce Irimcfeic Interest Charperl on f)ii OepgCI(k CastiA(tv Interest Ctiarged on Bank Cnsti Advances TOTAL INTEREST FOR THIS PERIOD 5(J 33 0 00 0 00 0 00 $ 5G.33 Total fees chdtged in 2014 -$3 /1 total intetest charged in 2014 $5~49.43 135 Tout Annual Percentage Rate fAPR) is the annual interest rate on your account Apnea( Percentage Rate Prornotionai Transaction Type Promotional Promotional Offer ID Rate Until Be(ance Subfect to Interest Rate interest Charges by Trarlsac'tron Type Pul chase 11.763V 55,673 26 556 33 Balance Tiansfel's 11 76SV Dstect Depc" tt and Check Cash 16 99SV Advances 0.00 0.00 0 00 0.00 Bank Cash Advances 19.265V 0 00 5 0.00 Ann Iipe oe(inrun os ly into vst Bale Typ v- v nab(a Rate (iaie may varyi ,9,"::.!EN»tgtkitptKW=".'.";=':m~~=-R~,';=:;!...AW&'A'a 6',. '...'B ~L... 6 t»A-..=W ...":;~V,"-'A%TV!kbt, ttv~!: »E(!gyle~ BANKAMERICARD CASH RENARDS 13 51 BASE EARNED THIS MONTH 6 . '70 BONUS THIS MONTH .00 REDEEMED 95.62 TOTAL AVAILABLE VISIT BANKOPAMERICA.COM/CASHREHARDS ~*'''~p" '~~ sv iii'Iir ttivii'»ut1i» (mt,iiurilian I 0& 13&ti&lhvr'1 niiv inlvilit&11 I'l'oi'rcfnlauruif'youl'(ui)('nt l&liul,ail(liy nuii In r'& it \(iurlu iillt'tilt'nui lini (urn(lt i(i(i& Ivdcs Tilt 1' ls nri crier ln,iilpiy. t & 1 'h'r initio sufi((1 punt(tv» nt iiank&iflinl(I'lr 1 (oni/loii]lsi'nu'ni 1 (iun m in i& ivv I pi rim(» i»fit ('h (konr thc trri nntiiisv&l iooi in&i vair os»& l3r ilvrylrincyfl ihiisiorn 'ihri r m bvlp vun &Iriviop» piimvni filliniuu nin slick to fir t ill( tu»»v.hns irin nr.(&f it flctlr rklriru i i fai»lb (om bu 1'&. Ice ((((i pl(ivr t . i'I &(ill il(i I tu nit pl( bid i( It(cruin( sr»if l('iorins uiriu(ter(din ( u'rl fiaynltnl ri 'Iui,, bvl ((i( II tl I( (conn I lrin il fiiviii ut ilu( &I 0 1. 'iu . i(itch in rnitinl 1, tort ln lu t Iniutc tb(nklng'r benfnil'imr r r(nt (om lrirfay. 136 BaftkAmeriCard Cash Rewards. Bank of America+A Visa Signature" MARK A MESTRESSAT Account Number ~~~ 6978 December 28 January 27, 2015 Account Information. \1 11 s,)1,u 1kBfir in 1''1(' 1'oui Mail billing inquiries to funk «I )imi 1'iivi P.i). Ilpe 936"15 I')I Iki n/IT, 79008;.':.'.*). Mail payments to Bank of .1 nu nc 1 P.O. Box L 011J 'll'ilmiiir ton, Ol', ll/Jabielf) Customer Servlcw IAf)O kll dila i ) 81)i)JN (i;ll 1 8 I TY ) Total Minnnum Payment Due I ay'ineiit DUB Date $ 121 00 2/23/15 Late Payment Wermng: If we do not receive your Total Minimum Payment hy tlie date listed above, you may have to pay a late fee of up to $ 35.00 and your APRs may bp increased up to the Penalty APR of 29 99%, Total Msnmum Payment Warmng; If you make only tile Total Minimum Payment each penod, you will pay more in interest and n will take you longer to pay off your balance. For example New Balance Total $ o Cepq 7J Currenl Payment Oue . .$ 121 00 New Balance Total ... ... $ 5,959.71 )otal Credit Lnie Total Credit Available .. Cash Credit Line Pomon of Credit Available for CBsdi Stateiiient Closiiig Date Days in Bilhng Cycle .. $ 16,000.00 $ 10,040 29 . $8,000 00 .. $8,00000 ... 1/27/15 I'ievious Balance ............$5,743 9G Payments and Other Credits ....... -1,100.00 Pmchases and Ad)ustments . 1 253.09 Fees Charged...............................000 Interest Charged ..................................... 62 66 Only the Total Minsnum Payment 19 years $ 11 134 12 $ 197 37 If you would hke infomiahon 1-866-300-5238 $ 7 105 32 )Save if',s = $4,028 80) about credit counseling sensces, call 1'C'pie rpes plr ' I: Payments encl Other Credits 01/23 PAY BY PI)DIVE PAYMENT 1141 - 100 00 01/23 PAYMENT THAIVK YOIJ 2GAJ - 1,000 00 -$1,100 00 b978 BANK OF AMERICA P 0 BOX t50I9 WILMINGTON DE 19886-5019 Accouni Numipei. ~~~ 6978 New Balance Total .. Total Ivlinmium Paymettt Due Pnyrnent Duo ()ati $ 5,959 71 121 00 02/?3/15 MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95118 2325 Fnu'r payment amnunt 5 9 I ih pp pip c tn 1 I:e k p reel Io B n' A Lci 78)) ~ 1 37 fMPORTANT INFORMATION ABOUT THIS ACCOLINT CE0201 Rav. 11&10 CUSTOMER TIPS FOR DISPUTED ITEMS Darn!!ic . rhP « i&ha, ".\PIP';,it &urr *PI!,1'hvir,.!Oi iP& !'&!1 ,'t&P 0yti 0* (i& rt&1" 'Ib&'I I pfcrm 'I" 'iv Iu'0 0 0 i&BI* 1 0 uics'r I 0 I I !" 8&I 1&'ra& ) t., vt" I&,"1 0 &II'idk&'rvr." pt:& bib i.s'0!('1; r & ~ Nas a credit posted to your account) I,l I& ~ ls the &barge or amount unfamiliar I i'ne&k witt i'8 r* p&so)s lm! (riiwl tr is !Pea(( 0 t tn', k: iiir!tin 'I! ." n 1(" ,I&!!Jun!ical edsdy!).«.0)h'prim&01« 'I'd& rs& irpl!,r)& Il» std!rnirntsonlnc 'fymai rlr )r)l'& I DnlineBanking & 1 dv) I 0 isli..i 8d i wr; ad&i Ossond c.frcnto'jmirsmrc nevi'urgive )a&ail Please remember: If you Find an error on your bilk you must notify us no later than 60 days after we sent your first statement on which the error or problem appeared to preserve your billing rights ONLINE PHONE ~) 1.866 266.0212 )g 'ci w&1!nr!: . '& c'l&'.' 'ivvp th rncicru '! rph)i 'r&rp!i ir!L&&i ))vdvdll, fo& 'I'& I Id& "1! I« 'ICI& MAIL Attn: Biging Inquiries PO Box 982235, Et Paso, Tft 79998 V&'np w 'g pip!sr*,r li,&lp Your Name, Account Number, the Disputed Amount, Merchant Name, Transaction Date, and reference number0'h rl Cput rl ibm anrf spr(ifk details i. Rar&iing your rlrni t nrlmii ip rl)lp: of co itacr wit ti tlw mc rc&idm ann t!v nmr(fiant s rrsponse n i art«r sr!ncp Pie s,nrlurle Il uppor!ai Oocumtntd! 0 «,nu&iWrpsatpsdn iccri'nurh rs «'n!ia(! *& d posmgr rr ruin iereiprs as p iif of,".&1& re«. & 0 PAYING INTEREST '8'e villri)I(I!vllr in!dies!c iiu: I Jspso i !le i pv!1!Orr i cut ily .in i dtpNr (Ra&a c Torsi ~ ! fulfbydmPa;,&icu D&!OD;ranr! you &id 010!r I, I W 01& pm (i&) i I',.)m&m ')ir odlr wevit'0081rlu)igtnga)!0&esto" CNlancr'ha! '. 10)rrlfa 'rvpnps n &;.r,ir: CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Areirs . Dddy B,lance &I & thud I'm I, din& r imr Imi & ha, lr!!&L)duc!&'I'I'& P& I'I'ohv&1 \ Off)'I hd du& pea& 1!100 ' &It& I's 1 Wd Jo 'I ') I 1 &J Lu'd 1 I, rlwidvigltumup!ofth (Nilvlwlmc. Lb)ltp i;mi! I id,:ir i»0, Ery, r thc.prov&ousdaysowlybalan 0,!BI ion»1 I'. &*ses ca Ac&nuit eco )nrlnrm m:a ror 001,&riel MD &. !Llcl,)npls)bl( p)v;k '.1;..Dr(&I » I»r. f&cdl &t 1: L&0 Averaap 30111(e Mei tort &inc'& drng &wv lidtvn&r T 0& sivrs 0) ) i& w I 1 &I& Ivvivp kye cater!'e scpara!e Balan( '.s Sct)!&Lt k. an Inter(st Rare fn 8 lar &c iran)fdic, C ish Iidvancr s ar d !preach Introduclory or ptom!IinnU oifel L&1!ance co!&1&1!&&&8 c'& 8(1 0& c('mnsrr .s ) Cash A!tvd & 1 Wddr rh&s0'l! (Jlrulair&R'rlv&idlvs.tnr id(l rldv I»t iss! i r ienis 11 011!r) \SJt!0!)dm'llr J tc'I i .,! r &'nis!L,I',:,&I 0 d .R TOTAL INTEREST CHARGE COMPUTATION In«ps! Lb)r ps Jc- i sand,. rumpr)coded m) a dpi'y la&is Tsd le iniiw r)ip ntp rsr 'I&: grs wench plyr ) I BJL! i eS&htert!0 Into rs(R!tp'ny ilsadpli Jhe Ddill Priiom&Rim 1 irl rti t "' Ir i 1m it tipkp I! i t tip mimhc& c I!1);:;0 the b Unit cy& N lo &lc!0& r i i tm u t) Ine! 0't Ilia gp fur Ipp h ihng vela,.ip )dd I!i Penor&r 8 or Inrrrest Charges tngepmr 0 J', t'r r iodic line 0;;lr. ild pd by mvLAng an Ani uat wvcenrugp Ra a by 3t 1 HOW WE ALLOCATE YOUR PAYMENTS Pdyme: 0 0 r dilOCdm&I tu Puvivri b!aiiCeS llyuur JCCnur lhaS Odl)nC 1 m I d fteirn AP is ic vital".cdi tnr dnioun,ofyrurp i&no iterfi i!01&i "otai Mst&mu n Pave pt t 1 r I "wrst Al'R I .0! Les frr I tvi li &lmg tr!)s)ctmns r'ia&Ir af'u r it is »dr.r! r tj i')ymr nl )r:m) me rrs plrc&rrd)llhninuinlopnrr D,,ppdlhpdppnp&!&Old!Jr&;Soil t»gt:ikl'Rs IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE &Anmrl, '. Or'!h& ' m I I 2 'l' (' ." 1'!1&. 1 & JJ & 0' O' 1' p",&) Ir' L''0 l. 1»iei t fr n jwiira&rnurtm! & Ivuncidi nstrut i voud('sgi )tr \'oi& !0 t i &'io Ir'!'0 dniuJi! I Jr d I n iig of va&t paymc! i. fnr yuJr I ro aclmn we ivdl I'1 for sr r Ir ry ." r r! ndtin i Ij Ier may pply for est edi!Od SO&vie'o ancel. (plus bHore the srherlmpd pdymr r t ddtp Same Oaf pay nentscannolbe cd ted or an sled YOUR CREDIT LINES dl I "0&'! I pp 0:ttp,)'&IJO'u of &md! . &u!Sbl" iu!h I)i 8!" IC r &la& k Msh Rdv)0&01 & r & m 1'll flani f 00) N'&on 0 &0 is;I r t I'."d I: i)v;I '::) m&0 iolcil'wi it 1)n(ps ', n)c f)d or a c)(ht iw&!" 'wnhy I; 0 'ISCELLANEOUS 'Ir", ''I lit «'AYMENTS 0'd r apd'..: '",",'11'I 0«rms iw'I«ud'&,r)' I, 0 i Sir rr pvr!rc CF'v'& s&d: r("r If your billing address or contact information has changed, or if your address is incorrect as it appears on this bill. please provide aN correct!ons here A&hi& '(&&&M!Ol('J iJ 0'a P IC).10 BaakAmeriCard i Ca.hReweld'ankofAmerica ~W Visa Signature" WW&6978 December 28 January 27, 2015 Page 3 of 4 or oar Or. I rr I'erpiv e al rrl'I'v eef ar I If cia/ 12/? 7 12/28 12/28 01/08 01/1.0 01/10 01/1CI Ot/1? 01/12 01/14 01/1/ 01/20 01/21 01/21 01/21 01/24 01/25 1 2/29 12/29 12/30 01/10 01! 12 01/1 2 01/12 01/14 01/14 01/1G 01/20 01/22 01/22 01/?3 01/23 01/26 01/27 Purchases and Adjustments HHC 8004934240 8004934240 TX 0 WALGRCLNS ¹2384 SAN JOSE CA ATILT S1.16 4122 SAN JOSE CA DOLRTREE 3823 00038?32 SAN JOSF. CA 305008805466984 n&I- IJOML LIEPOT ¹1009 SAN JOSE CA WAI GRCLNS 42384 SAN JOSC CA WALGREENS 42384 SAN JOSE CA MR CiiAIJS RESTAURANT SAN JOSE CA LUCKY ¹7rJ/ SAN JOSF SAN JOSE CA 06209360757V1RY7042379934 LUCKY ¹757 SAN JOSE SAN JOSF CA OG?09360757V1RY7042614029 LUCKY 4757 SAN JOSE SAN JOSE CA 06209J60757V1RY7042953524 LUCKY 4757 SAN JOSE SAN JOSE CA 06?0936075771RY7042526887 WM SUPCITCCNICR 45884 SAN JOSL CA DOLRTREE 3823 00038232 SAN JOSE CA 3050?217?104?31. LUCKY ¹757 SAN JOSE SAN JOSE CA OG2093I30757V1flY7042592350 HIIC 800.493 4240 800-4934240 TX 0 LUCKY ¹757 SAN JOSE SAN JOSE CA 062093G0757V1RY7041.788649 0435 97'24 6517 0006 0451 1846 1929 6705 8197 7805 7982 GG49 3528 0008 9444 6638 1037 G978 6978 69/8 6978 6978 G9/8 6978 G9'/8 6978 6978 6978 6978 6fl78 69/8 6978 3IJO 00 I? 00 122 40 2 18 10 17 3 60 12 24 8 69 49 54 30 /7 29 41 G4 93 45.78 6 09 43 85 3IJO 00 31.44 51.,253.09 01/2 / 01/2 7 0l/? 7 Ot'?/ 01/2/ 01/27 01/? 1 01,? I Interest Charged Interest Ctiarged on Purchases Interest Chmged on Balance Transfers Inteiest Ctiar/ed on Dir DepBChk CashAdv kileiesl Ctiaigerl on Bank Cast& Advances TOTAL INTEREST FOR THIS PERIOD G2 GG 0 00 0 00 0 LIO 562 66 Total foes chai/ed in 201c& $ 0 00 +total intetest ctlatged tn 2015 SG2 GG 13' Your Amiual Percentage Rate (APR) is the annual interest iato on your account Annual Percentage Rate Promotional Tlalisactioll Type Promotional Ofter ID Promotional Rate Until Balance Sublect to Interest Rate Interest Charges by Transaction Type Purchasc- 11.74SV $ 6,264.00 $ 62 66 Balance Transfers 11 744V 9 0.00 9 0 00 Bank Cash Advances 19 24av Dr.rect Deposrt and check cash 16.991V Advances $ 0.00 $ 0.00 0 00 $ 0.00 APR Typ* Defmilions Ds ly Inleresl Rate lype V= Vacabl Rate Irate may ray) BAZISAMERI CARD CASH REWARDS 12.53 BASE EARNED THIS MONTH 2.96 BONUS THIS MONTH .00 REDEEMED 111.11 TOTAL AVAIIABLE VISIT BANEOPAMERICA.COH/CASHREWARDS I h plk ir 0 fili'rmll'I I liillk oi A nlrl ira " ruclilrrlrl* 140 BankAmericard ~ Cs.r Rew.ide- BankofAmerica+A ViSa S if.natures MARK A MESTRESSAT Account Number ~~~ 6978 January 28. Iebiuaiv 26 2015 Account Information ivaxv.lxiili r&f1lri et'Kvi ( i(11 Mail billing inquines to funk nf Aincnwi P.U. Tirix IJSI&235 1?i Pa. () 'i'X allpkc?i?.IS Mail payments to: B,ink of America ILO. Bea 1501I) LViimmFV(e, iii'. Ri856.50ffi Customer Service: 1.800 41? L2110 (I.F008461ilr8'1'I'YJ Total Minimiim Payment Duc Payment Due Date $125 00 3/23/15 Late Payment Warning; If we do not teceive your Total Minimum Payment by tiie date hate(l above, you may have to pay a late fee of up to $35.00 and youi APRs niay be inrieaserJ up to itic Penalty Al'tl of 29.99% Total Minimum Payment Warning. If you make only the Total Min&hi ~ rn Payment each penod you will pay more in interest and it will take you longer to pay off your balance For example. (IPL. I' rx,.ilgu;-,: $~2'..&I!4;.'&Jtgeici'W.':.:.:..:,', Ah@~fed'erg;=':;..'".-.''.-:!7'i',:;::,birr'A'.=4Vii~i:j'&~~;.VA~+'im New Bolanci: Total ..$6,469 74 Curie&it Pair&op(1( Drip. f125 00 Previous Bala&ice........ Payments and Other Credns Purchase" and Adpistments Fees Charged.................... Intorest Charged.................. New Balance Total Total Credit Line Total Credit Available. Casts Credit tine Portion of Credit Available for Cash .... Statement Closnig Date Days in Bilhng Cycle $ 5 959 71 ..-300.00 748 60 ..........0 00 ........61 43 . $6,469 74 $ 16,000 00 $(3,530 26 $8,000 00 , $8,000.00 2/26/if& 30 Only the intel Mr&i&in(iin Pay&no(it 20 years f12,031..00 $ 214 00 36 months $ /. 704.00 (Sawngs = f4,327 001 If you would like infonnatron about credit counsehng services, cali 1 86fk300 F 238 1427 2685 02/23 02723 ran&area peri& g N.r: Aeccv ii ,& r ,1 re O",e»'eo. N neer Payments and Other Credils 02/23 PAY BY I'IIOIIL I'AYMLlll 4923 - 100 00 02/23 PAYMFKI Iiuii&ii( YUU 4(923 -200 00 rois& -$300 OO 01/28 01/29 Purchases end A(iiustments Wfvl SUI'LIICLIULR Abium SAll JOSE CA 3529 6978 68li i 978 BANK OF AMERICA P 0 BOX i5019 YVILMINGTC&N, DE I 9886-5019 itrcount Number ~~~ 6978 Ncw Balance total. Total Minimum Payment Due .. I'aim(:nt Due Date $ 6,469 74 125 00 03/23/15 MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95118 2325 I i&I i i iitiviueiii ainu(i(it 3 E,9 78II~ 141 IMPORTANT fNFORMAT!ON ABOUT THIS ACCOUINT CED?01 Rev. 11/14 CUSTOMER TIPS FOR DISPUTED ITEMS ksl cm&cnar, .'Lv&!'&v I& nttc.! J&f", ih!!I &stol'u'rs,lv!1 "III '.Ognlrv rl'','&&l fl ."., ','.' l.«l ','ll ' I v '".',:"' «' I&1 It & lvl.'l lr'1 1!I'tf & &I )u& Has a credit posted to your account& ONLINE PHONE )cw 1.866 266 0212 ~ Is the charge or amount unbmifiart th iim'i ..I iuv intr 6!Ilo;ci!Ir m omrtnmdtcm clti 7 '.if no m).. el&1 cart LJI 1st '. ':,*: & J&f»! ' " '01 "':I &nut'1" i I &fnk L up\ NJ &* in ntc rnf u I,oi., » & I w i r"l c Online Banking i I " .3 to& nioliuung the lvro ) tr'e)con;I 'fr.nt o'foiirca&tr'ncn'orgwe usa,&I Please remember. If you find an error on your bill, you must notify us no later than 60 days after we sent your first statement on which the error or problem appeared to preserve yom billing rights MAIL Attn: gifting tnquiries PO Box 9822 5, Fl Paso, Tlt 29998 '7! i; v "',",! !i-.)' '. your Name Accnunt Number the Disputed Amount, tderchant Name, Transact!on Date, and refetence mlmber ut I're dm)lu' l vr I )nd cpw I' ') I: R! (I 'lg you''OI'ul('uh&'ll lg oallvs Of (O'I J I wit& 0 ('I'u lrh, nl J"I!'!llv I;n &mt fLcponco 4 v&i&tl ifclmlCO 1'Ivdce nclir ti''I i Tm!in rl «-vr m', r".iihrgc les;1'.r or PAYING INTEREST 'A'ill o:I rh:,!r mrcr sr wi vu II Jcvcvc»e i &t ctdrr'«nl ilyn i pdt lhe Nev Bd'al'c 'nr)lv Bilth;tt&?Oy»; I;lm D lrc)nfv & h domrf if. If)1!tmpnnml ~ PaymenlD(rr.Dmr I&!" vrl'g«& 6 or "i &n I )c l'. m I;ri ',&, I l ) I A 'v nri'1 un I v!, r'm'vl dÃo CALCULATION OF BALANCES SUBjECT TO INTEREST RATE ! \& i ge,) l»v fi I!ac" I'u'0 i "'RNI v nt'l1 Pi I&em& .'nunÃ,cr&„ I!I 1 l&v I Df el oJv&(v nl slc&ngoi I' I I's AN do I'I" bt',l) cafculuvlg ',.;,'I;,, I«&u rl»h agar r ", Ivgvl!iir and tll tmor vm cd)l da yhalao r, 3!align n fur«i &sos ivv&Ac ountivcc cmd &r(c ran dcton &! ',r,&un„. I l ii" &"nt,. I. r 1 &1 IDlrr rnl&l ilu;&'tc&lcc'.I; &rviowv & or 7,: 'J„tw re idem& rl in r!«Iari, &m(1 13 I ~ &rr li..&ot(rs 7 i I &mw I a I& Advdnrac! lt'e atcu'at *(pa&Air Bdldrcd) L&&J&rti 0) err lnlc vsl lclte fo'aldnc('rdnsf s, Dssh A Iv nn c ar d lor vien I ilru luclor or Pro& otrnna! Offer bmanc tons!sling cf Bafar cc 3 rentiers ) la hAI . " 'AL d(pu)h &f'&J(utdt igdvdi&&b;!disci&teart rl";inrhics! Ievlenfs TOTAL INTEREST CHARGE COMPUTATION lnl « ' 'largl'1 act 'I&'vi, tine) I!v d I atria& 'has ' I v le& )uv'tl 'n vcsl h!&Frswcr a I )&vr'i I 3311&i v':&! t !nm & st rtm t&1 ic 'ONm fr&'Diih Prlr)rl&r Rain aire'Ihal "o(hi I'I ltnplu ID, B«L& Ih;"'',;,'ap '&": I '&ll';' .".Ivvn v( I lr'oo' r r r st t barge! w olv b INN (1&i, «: d kl!h& 0 it c . R&! r I &»i r ct ( oar pet lr,",i't r r it I drlf Period! Ra!v 1;.Ic. I !v I 6& OI"viin, nA «.:'n."r vie „. Rat! OL tf HOW WE ALLOCATE YOUR PAYMENTS Ply&v'I sd & dl'OLd!ed!up )sl ') dn(tc 3'uul,t&r a. I,\sf din "1 &el I! Cl ftel Il gf)'\s vildl&cr,tv;r:im)un::I n t::.«, . i'& "it. r" o:, tdi mi, »m c i I 0!v'c lie Inwrstdf'Bh,c& sh stuilkdinglrl&c& lv r n&(„t,,v'I 1".Ic !r"l PNrcrnt,imormm r«,r -.cut vrd»hn! Icf i nui P:;,,vr" D,c wilD)r,)n)&r;!r naut(."7 I l tc APR IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE pa,vlrllfwn o&ir'. &n:rt,i m ndiculn'I'»'. ".„': ~, .; I'oi ',,»iiio 7" liv )lao&(it u'0:I'nrlgofedlt'flat O',"I, tr) 7'un pri.('Cl «I 1(r'v. I-O rl1'. (Or 1&» Onl'linn I A lee iridy appfy f« ..rl e&f tie I se ii& i o,)i .'*I«a I us 6 lore !'he c(her tutwf pi&men! dale 6imv oay pay nenrs ( innot t&c r r.'e l or tweet,rf YOUR CREDIT LINES MISCELLANEOUS t ' 'I '' I IL 1 PAYMENTS If your billing address or contact info& mation has changed, or &f your address is incorrect as it appears on thic bd f. please provide ag corrections hate c(&v',&l("J:J J,,u& BaakAmegieard ~ c-h Reaaidre BankofAmerica ~W Visa Signatures ~~~ 6973 January?8 February?6 ?015 Page 3 of 4 l sr)ssrccn p'r e Dsr' ie Dssrrrclrcrl / srs s *rs Clr I r I 4'r Amo r re&sr 01/28 01/30 01,/30 01/31 02/01 02/03 02/03 02/03 0?/03 02/06 02/08 02/13 0?/14 02/19 02/19 02/19 0?/19 02/23 02/23 02/?4 01/30 02/02 02/02 02/02 0?/04 02/04 02/04 02/09 02/09 02/10 02/11 02/1.6 0?/16 02/20 02/20 02/21 0?/21 02,/25 02/25 0?/25 Purchases snd Adjustments AI&1 S116 4122 SAN JOSE CA SAI ?WAY STQRE00009977 SAN JOSE CA LUCKY(i757 SAN JOSE SAIR JOSF CA SHFI L OIL 57444213201 SAN JOSE CA SAFEWAY SIOBF0000997? SAN JOSE CA WALGREENS 32384 SAN JOSE CA WALGREENS 92384 SAN IOSF CA LLICKY 3757 SAN JOSE SAN JOSt: CA IIICKY 3758 SAN JOSE. SAN JOSE CA SAFEWAY STORf:00009977 SAN JOSE CA SAFEWAY STOBE00009977 SAN JOSF CA SAFEWltY SIORE000099(7 SAN JOSE CA SAFEWAY STORF000099 /? SAN JOSE CA WALGBEENS ¹2384 SAN JOSE CA WM SUPERCENTER $5884 SAII JOSF CA DOMINO'S 851? SAN JOSE CA THE HOMF DEPOI ¹1009 SAN JOSE CA BIG LOIS STORES ¹4261 SAN JOSE CA LUCKY 4757 SAN JOSE SAN JOSF CA WAI MART ¹'5884 SAN JOSE CA ?274 01.».'rl31 0829 0074 9211 9138 8851 3495 0106 0043 0332 19G7 ??45 3187 0234 3553 5321 121/ 0660 i&978 6978 59/8 6978 6978 6978 6978 6978 6978 G978 6978 6978 6978 6978 6978 6ra (8 6978 G978 6978 6978 122,58 ?0.00 32 00 36.00 23.74 15.60 b 00 1 94 13.23 10 00 8.97 31.32 16. 33 18. 94 96 83 25.22 25.01 43 16 124 87 $ 748.60 02/25 02/26 02/26 02/26 02/2C 02/26 02/26 02/26 Interest Charged INTFRFSI CHARGED ON PURCHASES INTEREST CHARGED ON BALANCE TRANSFERS INTEREST CHARGED ON DIB DEP&CHK CASHADV INIEREST CHARGED QN BANK 0/ISH ADVANCES TOTAL INTEREST FOR THIS PERIOD 6978 6978 6978 6978 61 43 0 00 0.00 0.00 $ 61 43 Total fees chergetf iii 2015 $0.00 Total intiu est ctieipeti in?01 r& $ 1?/t Ocd Yoilr Annuat percentage Rate (ApR) Is tho tirulu ll liltcrr st line orl youl tir:count Annual Percents e Pate Promotional Ircrlsactrcr& Type Promotional Offer ID Promotional Rate End Date Balance Subfect tc Interest Rate Interest Charges by Tmlisactipli Type Purchases Balance Transfers C&rect ceposrt and check cash Advances Bank Cash Advances 11. 744V 11.741V 16.994V 19.244V $ 6,366 70 3 0.00 $ 61 43 3 0.00 0.00 3 0.00 3 0.00 3 0.00 APR iyp. 0 fnton Oa lylntere I Rate lype V-Vsnatle Ral Irate may aryl 143 BANKAt&ER I CARD CASH REWAm& S I 6 9 BASE EARNED TH I S &50&&TH 5. 62 BONUS THIS MONTH 111.11 REDEEMED 13.11 TOTAL AVAILABLE VISIT BANKOFAMERZCA COM(CASHREWARDS Thunll Tr&u fiic 1)cm Ut 11stik nf Ammic& r iict imct 144 M RD 7.4 MONT ‘ I I I I . / . m k yo or being a Ban 0 en ('11 $147111 (‘1‘. BankAmeriCard ! Ca.r R~w~rd'ankofAmerica ~W Visa S(f,natures MARK A MESTRESS((1 Arr:ount Ni)mbet ~~~ 6978 Februaiy 27 - Match 26. 201.) Account lnioIrnat)on')vu Ivinl()f,nn 'I us) I uu Mail billing mquines to. B,ulk i)f Anici'Ic;I PO ifu) OS?Bl3 EI I', I'K 7! )008 2).$ 33 Ma)l payments to Ilailk nf,\incr(i I I)O Ik)Y ]501)l Wilmin n in Iif'! I!9$85.501fi Customer Serv)ce I!(0(38671,.'(10 ( I.KOOYNG:Il r8 I'I YI New Balance fotai . $. 7. 693. 64 Current Payment Due. $167.00 Past Due Anlount .f25 00 Total Minimum Payment Due . Payment Due Date .. $ 192 00 ..4/23/15 Late Payment Warmng: If we do not receive your Total M)nimum Payment by the date hsted above, you may have to pay a late fee of up to $ 35.00 and youi APRs may be increased up to the Penalty APR of 29.99tt. Total Mmimum Payment Warning: lf you make only the Total Minimum Payrnenl each penod, you will pay mare in interest and (1 will take you longer to pay off your balance I-or example WWM Payments arxi otfier Credns Purciia,cs arui Adiustnmnts Fees Ci)arged . Interest Charged -100.00 1,232 71 .....25.00 66.49 New Balance Total .$ 7,693.64 Total Credit Lme Total Creckt Ave)loble Cash C)ed)t Line Portion of Credit Available for Cash Statement Closmg Dare Days in Rilhng Cycle $ 16 000 00 $8 306.36 $8,000 00 $8,000.00 3,) 2G/15 28 ! ~p..gc 2„,',7!1 4-/;'i * „:!i:;,3'.;-A'j~"j'~~77)'o5~~ hv, Picwou. Balance..... SG,469 74 Only tlie Tntal M)nunuin Pavo)ent 21 years $ 14,406 00 $.255 00 3G niof(tlis $9,180 00 (Savings - $5,226 003 if you would like information about credit counseling services, cail 1 866 300 '51 238 Ivsre r rv 4 v)Q 0 r:)v n I , viv) Payments and Other Credits 03/23 03/23 i AY BY Pl(ONE PAYMENT 1431 4023 100 OO - $ 100 00 Purchases and Adiustments 02/2 1 02, 2 7 Srf! VVAY STORF0001F)743 SA(V IOSF CA 0058 Gc) 78 5 2!) b975 BANK OF AMERICA P O BOX 15019 iNILMINGTON DE 19866 5019 Account Numbei. ~~~ 6978 New Balance Total Total Minimum Payment Due Payment Due Date $ 7 693 64 1.92 00 04/2'3, 15 MARK A MESTRESSAT 1455 LUNING DR SAtc JOSF. C;A 95118 2325 Ento) payn)ent amount 5 M Iih)vovv ) I nc Ihyc vnv kvsy Il I 5 I ci)i« L 9 7B!fs 145 fMRORTAAIT fNFORMAT!ON ABOUT THlS ACCOUNT CE0201 Rov.! I/I a CUSTOMER TIPS FOR DISPUTED ITEMS Natlvi!I' 0!5!i I!O lchaif;.LmL age mxe,ha&pcs!!i. LJstpmpisnv11 npll 'm!!Ilv ix il''''ntx'i;&P'irl il.fl'ii'.,", !!ii!HP V &'!P !i(If!(iv, Bialy'&x) Veiif) I si I'I&i „:", r',,k ,) ("c 'I Jlrir!,n,', lmol'I'y(ax rlispulL Hi! I x.'" llm!Sph Il'II(,;I!" n"ln ~ Has a credit posted to your account) I'I asr.i -,. I)t:.30:IJ,:.,t.» i!Iic uitLni Ai! r&oditvri,(&ir'or &(kin)1 ml. ' ls the charge or amount unfarnglar? i „&twi'I o fr pw o)s xnhonced!nusptl caccn&rltnin kesnipdi ) ci lnpw 4-" ,*:! et!Hi ttv 1".'&'i,n! Hii'pnitir1", &st(x" PJ :I!1! 'Liiits LJI P silt'5'- co'll!SLd widl sin1)lu (II xg('5 )I if 1 li f)J f ts I & IPV t'( ii P ri'O Is ul lov 7V'ua'I J&:I. I i"! I's HJ)(Ãt .! )mlv Incl ter )r&-Ismiln. 'f„:&iai. Ilcningr lii OnlineBanking ni OJ Yle; ,&ld rssm&&I c fr.ntn'lour st)ten&rntorgive usa &ag Please remember If you find an error on your bill, you must notify us no later than 60 days aBer vre sent your first statement on which the error or problem appeared to preserue your billing rights. ONLINE PHONE I 866 266 0212 )) S(( J,&rt.'. Ll "pip" 6 il'lip)!Ii,&'-I, i plein&),pr&it itp)HI ",', uta MAIL Attn. Biging Inquines PD Box 982236, gl Paso, Tft 29998 ih,;v; ui 0 Iirp .Jk,di Your Name,A&countNumber,the Disputed Amount, Merchant Name, Transaction Date, and refereme number u! tlx'&I suet (t ilprn,irir! Spc.if & rlptails i.ga rli'tg your r!ispute inch) iing omrs of con JD wirh ii &»nr rc!iam ar c the mcr lian&( response In carh ir iu)r c& PI,.S'rcli! !p'I upmr' &.rnnimw ia! on,&rn,idrr„sale'encl remi « lit "&ix Lw I„«r: I dl fx\stap! &s&i;1 aces:5 as i)ion'of ai)em!lens PAYING INTEREST W wiilnolrhaig& i& leipsinil'le(la)piro h irt)tau Ixntily&iil&NBtwhi 18 a) & rat in fit! I vtt c Paymu t Due Dni* arxl you tiaclr»xi,i fmll)y the p pvi&&J H)v)v &1(!! J !i&lc V!5 ml'6 *., Orl!rmrdinmre tor flat!n r I,.nares arri!)shAdv n rsnn ..'r: ar „i .« irta'" CALCULATION OF BALANCES SUBjECT TO INTEREST RATE rv, r, OD&iyHak "vcimthndlin&ludingrr'i Purct& .es N'»(i JI!'1 I i',IP HJ &i'.S Hi'hi('!I '". I'I I I!e (wl I!&I'i) I'!&&Ivi i 1 Iiunidl clntt w I'nv&'u!(uil li Dffpr ba ail«arsis!I&18" t'&i&& blips W!'!o I'1 5 Ly, I! r I I ULili 9 i!sly hlii rp h &)Li ci9 ir inc lag»g y lp &"„)0!mgallrti& rl&ih hpli L Lm!" m."', rl nl iix s en of!hr it il(b)l)i isbyiti ncmnpr nf day e" tlx lngmgcyrir. I'r. ral irli!et&mrlml(o&' uloi r &et& liv i:less'prnw t i giv&ic n(. 0; nile ri p 0!'*,i'n li ''aul'((',l l J&kl Jl' I'xl !I I ('&I!i: '! '3) i LI!C t )k. D ii 'r p 'io r! r prmrpus!Nvs dai!Ybal ice !3! J Idnmi Pure» cs newANoun I )cs arrl urn ir)n 1 ron !,Oes i, I!5& &,n" tc:.&nplx)i lr pair i:n!L,r 0&re&Iii I',)n rlaill ts)li irp sic& 'I „'.: 1"p I .;I it,i„erp Aeries: l3 I nre mell&nrllinrlcdeigrmiVB larXe T& nsferaandneWCa hf !1;n&P! 6'c calcuhte cpa a!eBaianc s Hub!&it!oanlnterpst Iiale'o Baler ce fi n Ims f'1 n Advances ard tor each introductoi y or Pronounnal Offer baianre consisting rf B)r)pce '.ranslr (s o (asti Ad(ar . 1 W dr In(shy fllralrulal ng J lail; b lari&p&i& ca&i &lb in &his st Irmt; '1 :, ri)1!r i')r I)nd)u nr ri n !I i. (, rrci n&',I )lie v ri!Ir I&i: vr .&,ms'uv&', I;«" «'.iitlr g ! - "I i(I!ri;;,:III";daili bp„; .-Iog( '&.";,, n &Ic!!Oy oxa Lesly!I mn'Jc(o'&twin I&m.tctrm ncsixvirvc ck i& JS 7!'( TOTAL INTEREST CHARGE COMPUTATION iui i" U tl)';,'In «'I !,i&xi 1 'oi))pe&el, pd oil 1 PNI Y I J is TJ & Ic !no)a lht ann(as&. "ia gcs v i m& lmh r ail !3)firn" 't iect tn Inrnr sr I'atr by ils appliccb'e flxly Pcrmr'&& Bile a clttiar -",&nisr!d!o'inll'Lilx &ninitxinf!I y ',nt'ir 6 &npcvclr'nde!arri'') lots';:Nil'W g, Iuuehli N i ie, . JdrlrhvP nnm&HJ elm reS!fhargeatngeriCr ADA&lv p i)cd&Ha!e .,k ilai vlf.;c& cog„r tnrvialn" cr niner ualptygh) HOW WE ALLOCATE YOUR PAYMENTS lvi vr'1 5 i'e Ccpmdlu pu «. bdwi es lfyuu& a&en&in! ttas oalati esvndi d fterpn! AV»v wr,Lit ii'..(&t;u Jr &x n! Pf)ni ns!, r i m &ilmt'ip ola& Miiiinun!Pair 1)! I 0 i& Lo I & 5:AHH1chtv &i(, ci(h clp19!r)!sir!.nsmlr!r,)hpr:In'.Jicniptul i iymcr! Iiloicus m .,«-.Sof vro loniinimenl'..Vnirr f!i err!I tir ippiicrl!ooi!ar«siii 0 Ngtc Al'P( IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE'vlin;; . -', ". Is; ni p & p. tire u&n,m;pr, p i! tnir ur;ir ok''mi& f &il iel'I xi') \ .ll «(('I )I & ' )ICIJI In&i I 'I V L) !I'Sl pine Yoli '1!II I ai I io'')P HIP 7 nuuiupm&'in& !mr xl pay)i,-i t iryourpm p&iml v(e &)'l six fnr sec Jr !1. i!urrniiir) i Alee me& apply io'vl erli!rrt sere& To can r'I iag us befnrp lhp s h di lpr! paym(nt date S)n c oarlnvm&nrsranr nt or rt.'ed orcpn elerf YOUR CREDIT LINES &( '1' ..:" !Iu 1!&w II p 1&1 Hl(1kf I,'1 'uvii ups cuniisi ot I'iM (7 li Atlve &J( MISCELLANEOUS PAYMENTS If your bilhng address or contact information has changed, or if your address is inrorrer I as it appears on this bill, please provide ag con ections here arri':..":;;in)I: coin)cnvelmi wrhnr, he cn-Hei&aper!m *, lioi i mp .I on!Hini" I'i;"1'I'Is&'. p &pi!nly!„1lat'rv bpti xxpl) '»-el lb s(lioduled to occur BankAmerieard CaenReward'ankofAmerica ~W Visa Signature'~~6978 FebtuaiY 27 March?G, 201.& I'lge 3 of 4 /ra&ear&ca p amg Dare Dale ra r alai Dere ear Ac e&rr N« I (e VI lear 7ra'2/2G 02/26 02/26 02/2 7 03/01 03/05 03/05 03/07 03/07 03/07 03/09 03/09 03/11 03/1 1 03/12 03/15 03/1 7 03/19 03/19 03/19 03/22 03/?? 03/24 03/24 03/24 03/25 02/27 02/2 7 0?/?8 02/28 03/03 03/07 03/07 03/0(J 03/09 03/09 03/11 03/11 03/13 03/1.3 03/16 03/1/ 03/19 03/20 03/20 03/20 03/23 03/24 03/25 03/25 03/26 03/26 Purchases and Adjustments IJHC 8004934240 8004934240 IX WM SUPNICFNTFB ¹5884 SAt¹ JOSE C/ AI&T S(16 41?2 SAII JOSE CA WALGREENS 42384 SAN JOSE CA Tt(E HOME DEPOI $ 1009 SAN JOSE CA TACO BELL 30797 CAMPBELL CA LUCKY ¹757 SAN JOSF SAN JOSF CA I't ISMAR1 INC 71 CAMPBFIL CA JACK IN THE BOX 426 CAMPBI=LL CA WAL MART ¹5884 SAN JOSE CA SAFEWAY STORE00009977 SAN JOSE CA SAI-EIVAY STORE000099// SAN JOSE CA SAfEWAY SIORE00009&J/i'AN JOSE. CA THE IIOME DEPOT 41009 SAN JOSE CA SAFFWAY STORE00009977 SAN JOSE CA WIENERSCHNIT7FI 33 CAMPBFI I CA LUCKY ¹I'57 SAN JOSE SAN JOSE CA WM SUPERCEITTER ff5884 SAN JOSE CA BIG 5 SPORTING GOODS 032 SAN IOSF CA MCDONALD'S F35435 SAN IOSF CA SUBWAY 0038/837 LOS GAIOS CA JACK tl¹ THE BOX 42G CAMPBELL CA WM SUP! BCFNTFB 45884 SAII IOSF CA CVS/f'I-IARMACY ft09VJ01 SAIV JOSE CA DOLRTREE 3185 00031856 SAN JOSE CA FRY'S ELECTRONICS ¹6 CAMPBELL CA 3885 6881 7465 4968 5356 2632 9361 4512 1279 2754 1389 1579 1??9 83 73 0179 0806 4402 2487 0521 F)466 8506 0200 CO930 0534 0001 3898 6978 6978 6978 6978 6978 6978 G978 6978 6978 G978 6978 G978 6978 6978 6978 G9/8 6978 6978 GcJ78 6978 6978 6978 69/8 6978 6978 6978 390 00 57 99 124 16 14.40 5/ 07 5.96 23 Gro 7 i 7?8 39.32 21 16 2 99 6 97 37 9ro 847 6 05 47 35 93 48 24 72 c).33 625 7,28 67. 75 16 30 9,44 89. 38 $ 1,232 71 Fees 03/23 03/23 LATE FEE fOR PAYMf Nf DUL TOTAL FEES FOR THIS PERIOD G978 25 00 $ 26 00 03/? b ()3/2b 03/2G 03/?6 0:l/?(1 03/25 03/26 03/?6 interest Charged IIVTI Bl ST CHABGFD Oft PHBCHASI-5 lf lit tttsi CHABitt Li OIV BALAI'X L IRAIVSII Rs IIITLRI 5 I CIIAR& I 0 0II DIB DI P&CHK CASIIADV RVT CREST CHARGED ON BANK CASH /&DVANCES TOTAL INTEREST FOR THIS PERIOD 59/8 6978 b978 6978 lab Jcl 0 00 ~ 00 0 00 $66 19 3=¹,',",:=-n R:c „";,+)~.:-'d Total fees ctifitL&ed tn?DT!a $?5 00 Totol interest cheige(t in 2015 $190 28 7&iii,ne n inlia \I rustntn I,i&ill &11'i lilt x ill ni 1&ii ii& it)it iii ll ii&' 11 in &'iii &I iiliir nil ti nr fi i/lilt iit &hi& . I'tr'i. i ant\I xnnl tanmi lit \tin rnrl ix. It iiiu Imir iiti'ici&IV hi&ill&'rl 11. Itlil ilk V ill. 147 Your Annual Percentage Rate (APR) is tlio arinual interest late an your account Porches Annual Pel'celltsge Rate ll 741V Promotional Transaction Type Promotional Offer ID Promotlolial Rate End Date Balance Sublect to Interest Rate 3 ,349 95 Interest Charges by Transaction Type 666.19 Balance Transfers Drrect Deposit and Advances Bank Cash Advance. 11.741&V Check Cash 16.995V 19 24SV S 0.00 6 0.00 S 0 00 6 0 00 3 0 00 6 0.00 App Type D fin ton Daily Inie esi Rale fypa Y= Yar&sole net ~ (rate may vary& BANKAMERICARD CASH RENARDS 12 29 BASE EARNED THIS MONTH 3.73 BONUS THIS MONTH 00 REDEEMED 29.13 TOTAL AVAILABLE VISIT BANKOFAMERICA.COM/CASHRENARDS Ill lie,1&1 Iy ivilil I I I&ill;iuln I & in r ilc. (PI&cfflcl'i&u I''&ilyulg 4 &vlr &ir I'& film&i& In" Y iilr & ui I en& I;01. Riiph n m tn Rci &f in&i gll liifi I ir nul I &iv run&Isli&'at5'I'h& r& is no &nit tr&,ipply. (Im a &Icos&r&n ivithfn mmnte, st f&m&kobnnerir 9 &ann/b&iipaym&nf 148 BairkAmerieard Ca.«Rewsidrm Bank of America+i ViSa Signatures MARK A MESH)FSSAI Account Numbor.~~~ 6978 March 27 Apni 2G, 2015 Account Information s (vi&' polio )f (in 'll(' I I &iii Mail billmg inquiries to. )l,mk i&f.)nk nr,& I 1 I). Ik « !)%!',X)5& I'!I I)ih ) iI'X 9998:V.:IS& Mail payments to: Bank rif'Anton(:a ILQ, Bnx 15t)U) W i inmi 7 lun I I R 19886 5t)19 Customer Servtce: I 800821..110 ( I gtkl1I451l I I 8 'I'I'7) Total Mmnnum Paymerit Due Payment Due Date $ 1G4 00 5/23/15 Late Payment Warning: If we do not receive your Total Minimum Payment by the dl&te fisted above, you may have to pay a late fee of up to $35 00 anri Vour Al'Hs Inay be Inri eased up to tt&e Pei&ally APR of 29.99%. Total Minimum Payment Warnmg. If you make only tho Total Mmmnim Payment each pened, you will pay more in niteresl aiid it will take you longer to pay off your t&alance For example: New Balance Total $8 190.97 Current Payment Due $ 164 00 New Balance Total ... ...$8,190.97 Total Credtt Line Total Credit Available .. Cash Credit Line Portion of Credit Available for Cash Staten&ent Clos(i&g Date. Days in Bilhng Cycle ........ $ 16,000 00 $ 7,809 03 $8,000.00 .. $ 7,809 03 ....4/26/15 ,..........31 i;.,'h",',.""„„gji'j.':,"it'.,'~kt y&+fjgj~!',~jj~ Piewous Balance..........$ 7,G93.G4 I'ayments and Othet Credits....... -GOO.OO Puichases and Adiustments 1 013.43 Fees Charged............................... 0.00 Interest Charged .................................83.90 Only the Total M(I&III'I Unl Payelei&t $ 271 00 22 years 36 n&oi&tt& $ 15 425,00 19 756 00 ISawnps = $ 5 6G9 Oei If you would hke mformation about credn rounsehng services, cali 1 866-300-5238 xr 3 0 33 prrr'oIas N mcp AW A rpi 04/21 04/23 04/21 04/23 Payments and Other Credits PAVMEIVT - THANK VOU PAV BV PHOI'IE PAYMEN!7 ? 728 14rl2 4923 4023 500 00 -100 00 -$600 00 03/25 03/ 2)'urchases end Adlustments DOIRTRFF 3?38 0003?383 CAIvlf'Bfll I A 000. 6978 8./9 b978 BANK QF AMERICA P 0 BOX 15019 VVILMINGTON DE 19t)86-5019 Account Nun&bei. ~~~ 6978 New Balance Total Total Mmimum Payment Due I'a&mr.nt Duc Date , $8,190 97 164 00 05&/?3/15 MARK A MFSTRESSAT 1455 LUNING DR SAN JOSE CA 95118-232o Ir'.I p'1)&noel dine(In( $ Me(the p ~ Io set&&yp check p yshl t a k IA g 9 78tfs 149 IMPORTAIVT INFORMATION ABOUT THIS ACCOUNT CE0201 Rov. 11/11 CUSTOMER TIPS FOR DISPUTED ITEMS I'ra(1,'l )'i c l&s!I I'm! !lir r!'i:tell'ltl rue I'ig . &)ui &Jc"v lets Id) "OI «"0!Oi!e &I! '& ll "I!Jtv I vins !I c!v I'&3 J II lf I'" «mu'v I ( 1 )A )& I '; fi If ', !II&'I lc I xi I I g&'fix"t&n)cx)I'ouu)!Os'6 '; .Ii diclli!( )!1. u ('Ia)!ct!I I'I, 'tr'vl. ",:Iir I'rriuriuu ~ Nasa credit posted to your account1 ~ Is the charge or amount unfamiliar) r'ark)i'I mt r'ce ( c u,.i c" t, 1 sr, aint r, ', ieur( t)1 ',vlnr;rra-'& & '!arts 'll c . I!J ( IC!a&' II)1 I" ': I'dl""'» I ..)rr!)irnlcoig u* fy t;u '! )i''i".', OnlineBanking « ice,; lo; » 'I!sag rl ~ "xrn xtd sconil:frcnto')orr&craremiri'.Pu!e ca ak Please remember: If you find an error on your bgt, you must notify us no later than 60 days after we sent your first statement on which the en or or problem appeared to preserve your billing rights ONLINE PHONE 5) -. ""1.!)GG.266 0212)J Ol,)i((i&1,.', I i'x.', f'I &1 v « icl.' l&'leut,, I ef"'x J,l &I fl I& P(l) &.Bc) I)BJC(le; MAIL Attn Billing Inquiries PO Box 982235, Ef Paso, TX 29998 'A'x*" )n 1 ng pled)( r,r 6;de your Name, Ar&nunt Number, the Drsputed Amount, Merchant Name, Transaction Date, and reference number'h 8 sj)it"&I &to(nor) I)flin!"Ic data&is, gl cl& I ye&i&&!)1!!lie &!xi('ik rf!J!'f co'i!au vvilh t tie nx relent ar &I !lie mr rd)anrk response n cart! in !I icr. Plcecc n 'I&de ai'I sup/ r!ilv r!(xui enid:i!n, iriiiiuir k sales d)&i& cm vr)uctlcrs iontrdridi (i p)slake rr loin &cr;.,'1 u. I cl Jii) PAVING INTEREST 'A'emlln)i rh:,lc &nr. rrir u iui CI ) (snift riim! rcnI'ilo u t;:, the Nr vgaan- rnrclr) fultbyll'!')an)& t &Dc ixl! a !!Jc "„'itntm & !r Jl yt/ir txe nu I )vn&'r t Duel)ale W'vnl'hellm&t,temp&ra rn io)kiln ' .ri:,)'Jt . 'dverse& n:! cia&",.x io'.rl)'! CALCULATION OF BALANCES SUBJECT TO INTEREST RATE 'imoducir'&) '.»'ion riuu&i 'ctgnr I!Jdn c!ul":Irlg I &I I, iec Aado 'I I ) I!cJlculating .i laitvh)la &. ',» «J!) !id! ir mel I'nn; '',," m:I u:;Ial!mai roc to .-t &c(an&!'ri mi clxipitv" ur)oll,h dailvi)dear) ) 'I ". Our uf,u!cir i & u'hi i&.ry-!! )r ral(ulti! &I "rlailyha«'..for r. h, 9, i'!i'c'rrip!st 'rg iri'r;I,mkc'I'r'heprcvi&usday. J)iyhai ce illwarwvndrc ia cc, cw )c(oii)lrccs ) rl )rw raniartioi ,leuc,)i!)Id! &»!sic. )Pplxd! I'uv„i"» - I 'c'I . ";,n;Ia'yl tv, (ice !ton! i Im I. !I.J &pro Aveidk Jdl n&e )act i&rliin!!!rhngiie&vl1, t n« trdr ifw ailn wla! A'11)n&ei, 'iyemlru')te epdrd!c Bauer. s cur»e r.'nlnrcrect ka&c fo Baler c! Ir nst rs c) h Advance& acct tor cath intrcxkirtr)iyor Pru i uu xia! 0'far b& irii cor si ting cf 0 )Mme fr nck is I last)Artvdi!«Ndd& I"usby lltrd,«l.,l )flu!i,rive!i,.ii .I;rrdct &I!Twit&sit,irtmcrtls TOTAL INTEREST CHARGE COMPUTATION p I "large)1c 'l cond:ecurnpound&(lnndd 'lyt dirc lodclc"u)II'&el )'uc'est Oimrccv!cm& lo"'carhBatdice»it ec! tr)tnicircrk)ut h.i!col I)rlnbcb)'ITP'nol vitae 1) 6 ttwt ';idt ic nxrlt plieil Ii! !hr rim)t)r t & I Id,", in ri)r tH inl: vck '., ".. tetnsi i r'r om IrXer ail Ch rgr Inr tl C talkng iyCIC) a. adrl the Permoi! Pde I imreS! O)argei l XIC r." r r A 0mh: P &indi" Pale sr tc datcdbyuividmgdnAnrxtN&"cirn)g rgau I»yl. HOW WE ALLOCATE YOUR PAYMENTS Pdvme)ca eullocdtc liu posieobaaitcis tl yuiri vrouw I )s oui vice)xi I 0 ftwri. \tN* wcu) i,l': (din iixuinx Inl, nfl)!!r paynIO nerf!!Of&ill I &!OI f«!Can&a )Oui" t 1.! u Ioc'cs!Al'Bhpdi'ccshrst!u IiNx) Iran )rl, nini rlr )f: rll tsudicr) i t) t') r tr I )rmi. I mr*trmctm ir To!alit. nmuinlhyinr rr Ou villlIr;ipp&md tot;.ia-i:co I,'l &- APP IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE I &!I ivl I «'ill volt& a&coo& !:u I'I lulnlc 1&i!in'ul J&i »dl ' " u Vixi ''no, du!0 !I!&dt'il I'(!!got !'Oct) flay&11 I i I )r)Jul pa eC&io&1 1)ci'."»t.-.' lnl ! I'u ti '»&&(1 Alee may aPPtyfoi expedited serv r. To caner I,, f1 us bvfme!tie s;Iieili 1 I C);incor Iarr. Burne ca! I aynients mnriot tx. cdned or canmlerf YOUR CREDIT LINES .v) halt''rr 9)rue id!i A!tv)ncaa cp calli f'mi c i/india r; 'c«; !I I"J!-*I i!1;" . 'o irtt& t II BC'I C) I Ailvdri'."s c)nx ')) 0!r r, C".'. MISCELLANEOUS PAYMENTS If your billing address or contact information has&hanged. or if your address is mcorrect as it appears on thlc bdl, please provide all corrections here , ')', cr.nd I iled to oiiui 1& & war -- - - -150" BaftkAmeriCard ~ Cash Rewards. BankofAmerica+A Visa Signatures ~~~ 6978 Maich 27 Apn(2G 2015 Page 3 of 4 D le Dale Des 'al ('ee re ll e;Ce a( l'1 03/26 03/27 03/27 03/28 03/30 04/01 04/01 04/01 04/01 On/OG 04/07 oa/or 04/0! 04/07 04/10 04,(10 04/12 04! J.J 04/14 04/15 04/16 04/16 04/ I 6 04! 18 04/19 04/21 04/21 04/21 04!22 04/?? 04 ?6 04, /(& 0 I '?t O'I/26 03/2! 03/30 03/30 03/30 04/01 04/02 04/02 04/02 oa/os 04/08 04/08 04/OR 04/08 04/0(J 04/11 04/13 04/14 Qa,l 1.4 04/15 04/I 7 04/18 04/18 04/18 04/?0 04/21 04/22 04/2? 04/23 04, 23 04/? 5 041,"?6 0 I! 26 04, ?6 01/26 Purchases and Adjustments HHC 800.493.4240 800.4(J34240 TX SAI EWAY STORE0000997! SAN JQSI= CA LUCKY ¹757 SAN JOSE SA(a JOSE CA AT&I S116 4122 SAN JOSE CA IACK IN THF ROX 426 CAMPBFI L CA WALGflEENS ¹2384 SAN JOSE CA WALGREFNS 42384 SAN JOSE CA WM SUPERCFNTER 45884 SAN JOSE CA DOLRTRFE 3185 00031856 SAN JOSE CA TACO BELL 30797 CAMPBELL CA WALGREENS lt2384 SAN JOSE CA WliLGREENS t(2384 SAN JOSE CA IVAI MART 45884 SAN JOSE CA LUCKY¹/5/ SAN JOSE SAN JOSE CA QUIK STOP 40034 QBO SAN JOSE CA LUCKY 4757 SAN JOSE SAN JOSE CA TACO BELL 30797 CAMPBELL CA BAKER LOCK & KEY SERVI SAN JOSE CA CARL'S JR 7046 SAN JOSE CA WAL MART 45884 SAN JOSF CA DOLRTREE 3185 00031856 SAN JOSF CA SUBWAY 00387837 LOS GAfoS CA MR CITAUS RFSTAIJRANT SAN JOSE CA I(ICKY ¹7. 7 SAN JOSt. SAIV JOSF CA QUIK STOP 40034 QBO SAN JOSE CA MCDONALD'8 F35435 SAN JOSE CA MCDONAI O'S F35435 SAN JOSF CA SAI-LWAY STOR(00012930 CAMPBELL CA ORCt(ARD SUPPLY 4691 SAN JOSE CA SAFEWAY STORE00009977 SAN JOSE CA Interest Charged Inl tttf-Sl CHARGf D ofa I'LIRCHASt:S INILREST Ct(ARGI:D ON BALAfICE TttANSI LRS INTFRt ST CHARGED ON DIR DEPFCHK CASHADV INTEREST CHARGED ON BANK CASH ADVANCES TOTAL INTEREST FOR THIS PERIOD 4209 11?(J 42!7 6583 0053 3?46 3329 0915 0006 ?824 SG43 5726 8510 94?8 55 1'6 noae 2115 0060 G230 0146 0009 4682 2390 388(J G996 7908 7916 0831 (81» 0203 6978 G978 6978 69!8 6978 6978 61978 69 78 69 78 6978 6978 6978 6978 6978 t1978 6(J78 6978 G978 6(J 78 (39 (8 6978 6978 6978 69 78 G978 6978 69 78 6978 rlll 7(3 69 78 GJ (8 6(t 78 69 (8 6978 390 00 I I 6! G2 79 124 16 7 61 (I 9(J 14 40 22.97 7 46 4 87 1 20 15.56 35 15 53.98 10.00 4 74 3?7 7 07 7 53 6? .01 8 76 6. 25 7 99 aa TBJ 15.00 4.34 4 35 12 86 31 99 12.88 ml 90 0 iX) 0 00 0 00 $ 1,013.43 $ 83 90 Total fees cliarped in?015 $ ?5 00 lotal inteiest ctiatged in 2015 5?74 18 I len 1 rii i(«r(iiir (iielosi 4 aiimml -13illmn rlirl»s" mi(l "Priia(r Norire" iiif rmm lii f » nliir )(( 1»»i 3 iiii (mi il (» imii« rhi »itnr)nlni li »ihni if Xiii hmi I 1"'I il 1 1( 1 li»;» 1 11»i »1 (1111111» I i(1k»1¹ 151 Your Annual percentage Hate jApR) is the annual nuerest tats un youi ncriounl Annual Promotional Percentage Transaction Rate Type Promotional Offer ID Promotional Rate End Date Balance Subject to Interest Rate Interest Charges by Tm n6a c f i 0 11 Type Futchaaes Balance Tzansyecs D t Deposst and Check Cash Advances Bank Cash Advances 11 744V 'I I 741(V 16 994V I 9 . 2 4 3V 38,414.89 383 90 3 0 00 3 0.00 3 0.00 3 0.00 S 0.00 3 D.oo ApR Type Definiuons Daily Intei est Rate Type V - var able Pat( lra( inay r BANKAMERI CARD CASH RENARDS 10.14 BASE EARNED THIS MONTH 3.77 BONUS THIS MONTH .00 REDEEMED 43.04 TOTAL AVAIIABLE VISIT BANKOFAMERICA.COMYCASHREHARDS f)l'n('u'a('rlfil s gt nili auto I lan I'alii YV)1('tin'I ?'(in I ( Ilil'rul ' ('81'(i I'i'ful uli'sill ri in' 811('ni I I ul, if)pli'isi til 6('i'f iynl ifu ii) ify f fir rlur iim rum hei iiii n rstrs. 'I brrr is no cost to sppiy. f lot 8 (tension irithm minute, at ilnnkofanlondi rom?in«pscmr nt 152 BaakAmerieard ~ Csa R. ~ d.- BankofAmerica ~~ Visa Signature'-'ARK A MESTBESSAI Account Number ~~~ 6978 Apiif 2/ May 2fi, 2015 Account Informabon n axe) rit nl (ef nn en&i& o im Mail bilhng mquines to Bi(ilk (if rtiiiei'i('i It!) B(rx!)C!,'!J5 Til Ps.n TX 99034!BIS Mail payments to. )Mnk rit'mrsi& 4 P.Q. Bnx I;&019 Wifmingtun ) )K I!)835.5019 Customer Service: I li0082! 2181 ( !.800.,')46 3178 'i'I'Y ) Total Mmnnum Payment Due I'aynient Due Date $ 139.00 G/23/15 Late Payment Warning: if we do not recewe your Total Muiimum Payment by the date listed abave, you may have to pay a tate fee of up to $ 35.00 and yeti('PBs ilia) bp iris( peep(i up tn ttie Penalty Af'B of 29.99% Total Minimum Payment Warning. If you make only ttie Total Mmimum Payment each pened you will pay more in interest and it will take you longer to pay off your balance. Foi example. Ya ei., I.;3!! 9; I''u,,,*,)g.'...9 ek(,',:1 I,. 'Oemx',P-:;! &~K!4+w,*„',:+x New Balance Total $ 5 848 61 Current Payment Due .$ 139 00 New Balance Total $5 848.61 Iotal Credit Une Total Ct edit Available Cash Credn lme Portion of Credit Available for Cash Statement Closing Date Days in Bilhng Cycle ...... .$ 16,000 00 $ 10 151 39 . $ 8 00000 $8,000.00 5/?6/15 ,. 30 Pievious Balance $8 19D (J7 Payments and Other Cre(fits .-4?07.90 Purchases aiid Adiustments 1 783 48 Fees Charged............ 000 Interest Charged .......... 82 06 Only the Total Miiiiniuin Pa)'inc&it $ 194 00 19 years 36 inofittis $10,789.00 $6,984 00 !Scvings = $3,805 00) If you would like information about credit counseling services, call 1 866-300 5238. rfe'(reer & ' Bere ee e 'ic 'r(r 6 r 0 r Ne(rr ee N r Se 05/21 0 (22 05/23 05/21 05/? 2 05/? 3 Payments snd Other Credits IBY 5 ILLt.fkef')ICS i(0 CAMPBELL I'AYMLIVI IIIANK Ytlu PAY BY I'HONL I'AYMI N f CA 14f)3 2778 1453 6(J78 4923 4923 10/ 90 4.000 00 -100 00 - $ 420790 ) 978 BANK QF AMERICA P Q BQX 15019 VYILMINGTQN DE 19886 5019 Account Number. ~~~ 6978 Nciv Balance Total . Total Minimum Payment Due Pavnieiit D&ie D i ('5.848 61139 00 06/23/15 MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95118-2325 Eiitci pn)nip(&I a(noun( 5 E 9 /Bff ~ 153 !IMPORTANT INPORMA?'ION ADO!!T TH/S ACCOUNT CB0201 Rev 11/10 CUSTOMER TIPS FOR DISPLITED ITEMS ,Irl u,«I t ha,;."1, tr.'ct &&in,itc.ha&f '1 lb.i &.&«lr»r'rs &'I av not rc& ., rn)c (Roc 0 «01 &1& I,';. trit h&', ' 1 1f1& '&rt I'!JI 1'i'I ve» 1'& Puli&&g\ &'i(I 'kt 0;& c«,&,Uc ',.:r&r v c& (hcm r ~ Il&&rn. rh&n&sl.i:& r,':lc 0&;ylicf(ruc!ratv;u ~ his a cred&t pmted to your account) t 0» I r p(r &r,,rn &or&VOCim m& k)Ci lr &ceca& ict," ~ ls the charge or amount unfamfiiar? i 1 1 vii'I;I 0, r-.' &1;t«r&7(c«&r isc!i i 0 rourt ton'ccuic pi f pi&I no;m&'«: :!'1 Irr&LL:J& 1 11/uv (0 if& '.L I with sr'r'cc& &0!1 tt'«(&1 rut&ere t&f 1 m & iem&C 0;i nc 'I;0& ar vl C )I'r I & On!inc Banking t &1 V& Y to Cni ll r.'ng tl 'Wi'&i «00 rtv I rr t, 'oia sratc nr nr 0 gwe us a i ati Please remember: If you fmd an cryo& on your bill. you must notify us no later than 60 days after we sent your first statement on which the error or probfem appeared to preserve your bitbng rights ONLINE PHONE f)) 1 0662660212 MAIL Attn Bggng fnquiries PO Box 902235. Et Paso, TR? 9996 , tv&1 0 „. I, Your Name, Account Number, the Disputed Amount, Merchant Name, Transaction Date, and reference number i I th& 6'l&11 !&leo& and&pc(1 . I 1)&br'pi«I &ptr)ufdisL&rih'nil!Id&'&goat&'1 of r&'i )ct wit! tl c merc&iant Jnn tlir t&c&ct&ant'1 re«pan c in c&ir h ir caner n(kale:I ul 0!&ng &co(00)cr taI'0 &, n &I&id&r RS I 00&l Cria'I PAYING INTEREST :, II:Ci&h.. 6& icteir. tv i curl,iSC)rci'hc C&t 1 tCVCnt &fyo ip 3 th NNVBaai C 'or i! 0'.:Iihwl c 1;Tn; I Due iia c,sr ivoi hac& rii C.r fmi by&tie ps tv) i.paymcn(f) ic i&uc 1&/(;i!'6*:,»1&t,ip&ngni; rr (o" tt:Ian Inn&1" a dl)J.Ac&van&&con:hr taitcar,iiit). CALCULATION OF BALANCES SUBJECT TO INTEREST RATE 0 ivv IMI, ".." ", rhn&i iir, r,ifing rem I'rctuce0 'ii&iol rrcrywtv ir&ivm Oflrvo&an(.ruisicrei o t'urrf«&sec Wedotnsoy tltrJ(ulatinp, :i!JIV'& lii«.';r «1" IR ini « I I im&yr&r A,-.kl;0 il&rir dii', ':,&lirr st i &t'iwanrUN ;, iirq 'tx cur i )I 0, rl ilk c I «litt ir mr'i(of i ycir L&ct&&itngryrlc r ik & ilat;" * dJit, m)1 m. '::: r ti L)v n:101 sm&cr ci 11 pi fir p ccrlc,vc fl, I ikc thc 6, "r, .1. c 'ki Jn,l" . &, V&r.'I,ke,if&pl&&SIC Dai&y,& ro(i i&a!Cn top( 0th/ t!icn &rc 1ruyc '.arvh ia 1 ( ylu I ricic thr(01 cs, icc A& aunt lees )ndnm& ir&ns&r fon .00& .1.', ici n:«,: ! «cdcs I'an (lot& bit &crr'&sic &:ha iaM '3& nrrkmhi)d& nr'&n&n mwB I nre'I,.rsfercandrvcvpachadvan(e", Yi'c c)lru'Ji 1&pm)!c!iaarccsSuom t. an tntcirst Ratefo Bai)ncc irvnshrhp)sh /dvanmc aml I) each lutroductmc or I&rorno!&nnal Offe& 01 an rnrisrctrnv cf Balan&o '&r nets 1 0" (JSt A(N&":C '70 IO i us try li! & &r i)r &fin lmt! 0 lai&1 &Or ear!'rf & mdnSS!J&r'P&ante TOTAL INTEREST CHARGE COMPUTATION In!i-"!.Ov)r&csee. i,iro. "r ii t)o„w rl 000/», h&uc 100 0 i,ww th "itt rcsl Ptkvgcscic" &.&m';&""," Bd) xc .il (It it i'm r &tcbri&s ippiicctre I)i&i Pr&iorlr&RJ(c a, rt;I;1 1&it&i rniwpr»d& I: &,r I c. -I I&;; nrh tpr&np:;(N lo(lcir 0 r &t'ir or) IntmeStle)rg* ii. &0C 0!4 N(v lr 0 0: I r'enut„ it,.r I n.rC&r& hargesmgCt'iCr AD&rr/ Pcrxdxmirc 1;rtc..la&;t»;civ,tn, rA; 0 0"teiop tlalet; fc) HOW WE ALLOCATE YOUR PAYMENTS P vice&sar Amv; «I! inst ! b,«&0 &0 rfyuuiarr&m &tii&si)JI)txesvi hrlfle enl/&0 vi'i Jiks!r&'(0" '"'..'»', "''&0 I&'I'' &«IM'I i&&0'&oh&, 1'I'I!)&CC)'nc V& C) r '1 C f 1'(0 r !1 I/ 1 m r '". „r; Bc C 0 i!! I, 1! P ir I 0' '.. ". « i I' 'to APR'MPORTANT INFORMATION ABOUT PAYMENTS BY PHONE pit&el I I 01'&1''.I v&'xl 1 I '&i& '. »' ' ' "0&': \ (c &0&''1&i'J''10'&'n c inrcrri'mat! ',xl au m;. 1 *, „Jr i& i &wm& 1 r !&ill s«frrce(urtypi'orrnalw i Alee miyapr!I/fcrrqmdi'c Ice i &c ir:.,in&et rolusb(lore rnecih.(iu&ed p«ymenrclatr Sin'1 dJ; pJY non&s & Jr J &ot be cd &cd or ca tcctmt YOUR CREDIT LINES MISCELLANEOUS 'sr PAYMENITS If your bgling address or contort information has &hanged, or!?your address is incorrec& as it appears on thic big, ptease prov&de ah corre&tions here 1&. f&e I CIL J 10 c&1 0& BaftkAme¹iCard ~ Cash Rewards. BankofAmerica ~~ Visa Signatures WW W 6978 Apnl 27 May?6, 2015 Page 3 of 4 I an art,t Dais A*III 0'e Dere Iotlcl Net . I c Nu 'ie ccrc nr Ntm b * At) II Tc (a 04/25 04/25 04/?6 04/26 04/26 04/28 04/?9 04/30 05/01 04/30 05/08 05/11 05/12 05/15 05/16 05/18 05/18 05718 0'.&/18 05/19 05/20 05/20 05/22 05/23 04/27 04/? 7 04/2 7 04/28 04/28 04/30 05/01 05/01 05/02 o5/od 05/11 05/13 05/15 05/18 05/18 05/19 05/1. 9 05/1.9 05/20 05/21 05/21 05/21 05/?3 05/25 Purchases and Adlustments WM SUPERCEITTER 45884 SAN JOSI. CA HHC 800493 4?40 800 4934240 TX WALGRFENS ¹2384 SAN JOSF CA QUIK SIOP ¹0034 QBO SAN JOSE CA ATST S116 4122 SAN JOSE CA WAL MART 65884 SAN JOSE CA I IJCKY ¹757 SAN IOSF SAI¹ JOSF CA WALGRFENS ¹?384 SAN JOSE CA QIJIK SIOP 60034 QBO SAN JOSE CA SAFEWAY STORE00009977 SAN JOSE CA STIFFWAY STORF0001?930 CAMPBELL CA SUBWAY 0038 f83 f LOS GATOS Cfi SAI EWAY SIORE00009977 SAN JOSE. CA MR CHAUS RESTAURANT SAN JOSE CA LUCKY 6757 SAN IOSF SAN JOSE CA WALGREENS 42384 SAN JOSE CA WM SUPERCENTER ¹5884 SAN JOSE CA BEst Buy oooolooo sAN JosE CA DOLRTREE 3185 00031856 SAN JOSE CA LIJCKY ¹ /5 f SAN JOSF SAIR JOSE CA FRY S ELECTRONICS ¹6 CAMPBELL CA FRY'S ELECTRONICS ¹6 CAMPBELL Cfi QUIK STOP 60034 QBO SAN JOSF CA HHC 800493.4240 8004I934240 IX 1677 661l& 1G24 8?50 3649 0698 0917 ?024 3822 0229 2013 1813 0106 8984 9043 (73 74 6868 7412 0002 5418 1393 1591 5792 87f)2 5978 6 to I'8 r)978 6978 6978 6978 6978 6978 6978 G978 6978 G978 6978 69 TB 6978 6978 6978 G978 6978 t&9 78 fl978 69 fa 6978 6978 92.84 390.00 10 80 10.00 124.26 42.90 8 85 3.GO 20 00 27.03 60.14 6.25 18.97 7 99 17 84 14.40 107 68 33.68 8 26 6.00 261 53 90 46 30 00 390 00 $ 1,783 48 Interest Charged 05/?6 05/26 INTEREST CHARGED Ofl PURCHASES TOTAL INTEREST FOR THIS PERIOD 6978 82 06 682. 06 Total fees cliorgcd in 2015 f25 00 Total inteiesi chmgeri in 20th 53.)6).?4 Ycill Annual Percentage Rate (APR) Is tile annual itlteresi rate on yout accouiit Annual Pe)cat)t i e Rate Promotional Ttattsactlon Type Prornohonal Offer ID Promotional Rate End Date Balance Subject to Interest Rate Interest Charges by Transaction Type Purchases Balance Transfers Drrect Deposrt and Che k Ca h Advances 11 7CIV 11 74SV 16 9990 56,506.06 0.00 5 0.00 662 06 0.00 5 0.00 Bank Cash Advances 19 2'ISV 5 0 00 5 0.00 APR Tyc. Def n t on Da ly Inter-t Rale Type V= Variable Pate rt msr tc yi 155 BAHKAttERI CARD CASH REWARDS 16 76 BASE EARNED THIS MONTH 5 03 BONUS THIS MONTH OO REDEEMED 64 83 TOTAL AVAIIABLE VISIT BANHOFAMERZCA.COM/CASHREWARDS IhlvinE iit I'itinuilr In ' iutnclvi f tlurt iiu r nt fii"t rin i fkink iif Anlcncl 'untrin1617 Fini nilv (funiflf/ fiil'1'ifn dim nmt ntl tnti uf rnti c SINr tinii' ltim I 'nt I rtr'I'Iblun li'lttnn niiniitr" uitf1 iiir',i. i. iu fr i;ifllifir,itlim ANlity tnrkiu,if tiinkrif imr' rui nnnl/Irnufniylticnt 156 BankAmeriCard i 0-h Raw.ids. SankofAmerica ~~ Visa Signature"'ARK A MESII?ESSAI Acccu(11 Ntilnt&cl. ~~~ 6978 May 27 June 25, 2015 Account Information ss&i bnni ifim rim.riim Mail biihng inquiries to I I 111 I( 1 if,'i i it c 1'I 1'll I'() I)ux BR?,.')5 I'.I iti. i 'I'X 7!)Bgd.adm Mml payments to Il,ink nf &!incite 1 ILO, Ijr&115019 Wifmmpbin I)K IBBSG 50!II Customer Service I . 5/i(14:? I:? I I() I I.S()OB4(i31713 I" I Y) Toml Minimirm Payment Due Payment Due Date.. . $ 7?.00 7/23/15 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 $35.00 anrl yout ApRs iray be increased up to tbc penalty App of 29.99st Total Iylimmum payment Warning: If you make orily the Total fvhnimtsn Payment each pened, you will pay mare in mterest and it will take you longer to pay off your balance. For example: W&5$ k;" ..JJTv'4/$44~'~VAJZAIW/W 44djb'."krt::;=''::4 ='-'~-'-'i::"-';:"-::Aq'i--: Npiv Bait(i'Ice Total .,$ 1 67?.62 Cut rent Payment Due .$ 72.00 lqew Balance Total.. $ 1 672 62 1 otal Credit I.s&e Total Credit Available Casii Creriit Dne Portion of Credit Available for Casii . Statement Ciosii&g Date . Days in Biihng Cycle ...$16,000 00 $ 14 3?7.38 . $8 00000 . $8,000,00 .6/26/15 31 8,::,.';;;BJ) g; -c'1,'i'.;;',„'.:,',;;".o+? "Qtv~Nmv:l;TA Devious Balance $ 5,848.61 I'ayments and Ottier Crechts ..-5,117 G6 Purchases and Adiustments...... 885.23 Fees Charged.....................0.00 Intci est Charged.............. 56.44 Only ttie Total Miri illluln Pa) lneiu 8 years $2 608.00 If you woulrl hke information about credn counsehng servicr s, call i 18r 63005238. 0 1 o 1 rci OG,/01 iJG/22 0(&'23 06/01 Ob/22 0/»".3 Payments end Other Credits WAL MART 45884 SAN JOSt CA VAYMI NT 0 IAI'IK YOII I'AY IIY I'IIONI. VAYMI.I'fT r)094 ?811 14(i 3 G978 4 CJ?, /1 9? . ' 1 /.66 -&,000 00 -100 00 -$5,117 66 05,1 26 0':, 27 05/?8 Ob/28 (XG&,r'/8 05/29 Purchases and Adjustments Ai&1 S116 4122 SAN JOSE CA I BY S LI.LCTBONICS IIG CAMV!3f.LL CA WALMABT &5884 SA(4 JOSE C/I ?347 9836 8462 Gg /8 Gg/8 bg /8 155.0G Gg gt 148 01 I 976 BANK OF AMERICA P 0 BOX 15019 VVILMINGTON DE 19886 5019 Account Number. ~~~ 6978 New Balance Total Total Minimum Payment Due Vcvlnc'iit Dtic D IIC $ 1.672 62 72 00 07,/23/15 MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95!18 2325 Enter pn)ment amount 5 E 9 7B!!s 157 (IVIPOHTj(NT IIVPO(TMATION 2(BOLIT THIS ACCOOAIT CE0201 !Rex 11/to CUSTOMER TIPS FOR DISPUTED ITEMS id. rwn &'rksp &'I&ha&,',."sr& 'Icpiii'nu&),I'wg c!Rdi JM(l ci nr;I ' ircpun &p 'I'&r »&or«.p«''.'&I'sr&I cyrxI& dlcp! &I Thr mp'rf&unl'li «r&''0 k I r&r'& ",',x& r&ucMi &I !'l 1(stat "»dr&i ~ Nas a credit posted to your account I t&! '.'. 1 sr& .'0 &n! !1d!c fr u & Ihe n tr'i !du& Op&i & nir ~ ts the charge or amount unfamifiar'I ihpcl'v»!I n hp ppr o)s) id nrues louse".-i'd('1&rile«Our &&i I &lip! Oul x&tminlcm& rmsiiy tie ronf&,zi!Virh cmii:a rt&drpr err n:I i!«CV 0 Ir Ctmrk In!&i'C Crr 1&CO. IC VCC I a i . !..-:,':, "iu u, r !ciy I mlirmcniiini; 'fyoi&a enr t &niogpd 1»0nfine Banking ii ..«or m; u '1 „ih& &„o xld rue on it r fronto!Vorirstaienemorgive usa ali Please remember: If you find an error on your bill, you must notify us no later than GD days after we sent your first statement an which the error or problem appeared to preserve your billing rights ONLINE PHONE ~)-I,BGG,!GG 0212)&F ru, «n f):, vi p! It'mp',.'. '. &p I "p!&I'd «.Id&Pi ( rl ~ fir;(&Imp n(l ~ Inn-ns& Irl MAIL Atin: Bi(fin Inquiries PD Box 982235, Et Paso, TX 79998 &km& .: »nc pirusr i i,ii. Ic your Name, Account Number, the Disputed Amount, Merchant Name, Transaction Date, and referen&e number: 2 tlip 1 cm I rf item )nd sppoh Imo)du rpg tirlc !rior 0&sonic nick&di I[ d)lrn of co'i!acr n di the mire!id»& wxi the much In&'1 resporisc n each irctdncc 'ip c'lci&xic 'I upm&un I!0(u&nci'll!Jolt u cult u'„sa&tp dict c&coli &ur!'.&1 &en&rat&,u cN&oslo& e Ir Iu& I I empt! m!)I col cl )i)y irlc I s PAYING INTEREST 'A'iii &o&ctnigc!nteresro ilu &I ascson it-;rx&staippin; irvn iuai Iimgr & 13aai o. iota! in fdilby 0 spasm-&r Due D. c,anlyoi iidrtriirf. if...'lyihp1 mmi.pi&»ri t(')I f!)Ir. K'".w!(bg&n&f ugl&)g!1)t iesionpai n r!r ndm a rl&1»nd» xr: ≺.i".1( i Im" CALCULATION OF BALANCES SUBJECT TO INTEREST RATE jw &dg'd ly 0,11!uc Mr thud On!i idmg rir d Purr t'due&i 0'trri!du& st k;rd!r 0 &'w«re«i hier&'oar! In!:. r; r IA&i" 'o; p I nui: '»uoouclor&'or I'ro'I i&lr Id! Dtfpibadncecrll !&cur&pal purri v s Iyc Jo 'I!I u ,'lira!& I'du&", Irld&IV )all x. OI us!I Cidi'I& ! &ebb n &!C C', ' 'h Ih& di '& I '( !&Pul'& (il''slur&i&fihcrlnt&(ml)&1 ccby it&p 1&s bci nfddy &r t &:oih&lc cy c 1cral ul Ic died)ilyo)mn -.foi mrhdz'u)'I'cmur &c !Tl ! r kiri( "rc Ill& iki rlu the prevmus days dmlybai «e I!radd new lure ~ r s ne&cr&N cunt ',.encl Im run& uon 'c,)n I uh I '1'r&ci )ppilcdL(c pay&Ionic,,»dr&r 1 c I'„r& rhvy I dldiup 1 k' Aver)kp fiafkmre Mpi')prf (&nr'i Nng rn&v Raidrxp I«, I,fer,&rm new I . I A!Van&'; kyp afcu'ate separa!e Ralanc s huh!pc& I »n lnicr as& Rate fo Bain&'cp !r in.'c s &1 h i&dvancpc ard for each bitroduclo&i or Pro i nuona'Ofter b&ia i pen! c'sunr cf«)i & ce!r nc««s o cast&Advan ec ut. do&hrsb& (lim«uidlng I lartv b Iur c lwcxl c & ii &t'lc VI Ipr"pr I ;. Ii)a& )n X haitian Or, r to&I r)CMI r'Irnlslui & P«&l, h un I, cD d I('I TOTAL INTEREST CHARGE COMPUTATION inlr.p I( iarg&ssorl,u d m&ornpou&updor&addi yLasic fo dele nilr&* th* "ltt csi 'imgCS&&& i iMI . ITCW I Ba!11 e ) iLc PC! Iu ini mst Rate t)! itt )ppii iur Dad! Pr rim'rc Iiue 1. rlmnlmslltnmduobedL! 'hcr&rmhcrnfil)o ndx LI!In, cycfr Indptprnlr& c)r;OIN Ii; i, c,r 'w get&&r t" &hitting y fe, &eadd t!icPcriourc (la'!r. Irueresr (barges rogeuicr A Jaihr r C< Ratr.' p(C Ii "\'I, 0)'JV du&g cu) Aiu'ai Oe"Ci'n!d!0 Reit! t'V 15 HOW WE ALLOCATE YOUR PAYMENTS I'n & i„,) railer dnul!u rxntt &I balan&ps d you& a& cour & (id r il x &c 1 wi'h d fie& c& n AP ts ,vcn l,ik&um Inc.", on&;::fyx&rpnirnc i:r,,ialrnl &I* 'ni i lmru ion l'&vr i&r I.! & m "ir run \! I'IPR')ndi 'br I hub drlx»i«nt &mt&'luleindl "„I rsmdfr& &el&If P1 I &nu u I In&i :)crt 'tf,cd'I&uullnnuinP ymrr" D&civ&iihpaiw&pdtcbdk&r & «i br'&I. Al'ltc IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE Irp&I"&pl'!'Ic»' Ia &OJP&al!I'u* Irlu& Idirnsu'II I&, »dr's&gn& t. Vou»u I'a&I&)o 'I&'thp 2'»& undmtl 'xn»g &I p1(n f&dv'ne»'& Iuu ye&&I I)rc I'choo i)pvvl I. &(&Is»&I I\ nl ul!&1 III'1&1 A'ep:nay apnly irurq &dr!&rice n&p fo ance(,railus bifnr. the cch.di led payment dare 9 r!x odi pau npntc r annul t&r r rurcri or can« lpd YOUR CREDIT LINES *«11 'ni) juivinr. s! ri pa'&char&k(av&&0'vd&1&p (cnvsiof I'iMf cl "„1,&p r, IR(i(d, A t&,ir. s ')mn (!:, (& vi, (1&I) i»him c Dnrnl )It I'„ MISCELLANEOUS PAYMENTS It ynur hitting address or contact information has changed, or if your address is m con eel as it appears on this bill, please provide *It corrections here :. 1 i pnr! M C"n m n. r rr& n m I& p * Itinr i! &br -. m«c r&*":; !iC & .&c&,vi 0 r,iug&, I'dlnl ri rp»'po Iyrn, l,i&c Jm in:d & r d& I . Pr, ': i(r an& "c sr.tvdduied!o o. ui I& k'I "1 BankAme¹iCard Cash Rewards- BankofAmerica+A Visa Signature" WW&6978 May 27 June pfl, 2t)15& I'age 3 of I rail.a "ro A&crag Bere vnrv srccs r Dare pere I ps icr ci Vs le ror 1 05/29 06/02 06/04 06/06 06/07 06/0 7 06/07 06/09 06/11. Ofj/14 06/16 OG/16 06/16 06/20 06/20 OG/20 06/24 05/30 06/04 06/05 06/08 06/08 06/08 06/08 Oi&/1 2 06/13 OG/1G 06/18 OG/18 Of&/1 8 06/22 06/22 06/22 06/25 Purchases and Adiustments WAL MARI 45884 SAIRJOSE CA w/iGBFENS ¹2384 sAN JOSF CA WALGI'IEFNS 172384 SAI'I JOSE CA TARGFT 00003244 SAN JOSE CA suBwAY 00387837 Los GATos OA WALGREENS 42384 SAN JOSE CA WAL.MARI'5884 SAN JOSE CA SAFFWAY STOBFOOOOr99/7 SAN JOSE CA LIJCKY ¹757 SAN JOSI SAI&1 JOSE CA Luc¹Y 4757 sf hi iosE sAN JosE Cr OOLBTBEE 3238 00032383 CAMPBFLL CA SAFFWAY STORE00012930 CAMPBELL CA WALGBFI:NS ¹2384 SAN JOSE CA QUIK STOP 40040 QBO SAN JOSF CA WALGBEENS 92384 SAN JOSE CA WAI MART 45884 SAIR JOSL Cll WAL-MARI ¹5884 SAN JOSE CA 2296 6364 G382 6595 3692 5741 8970 0010 2741 1059 0003 2144 01.10 5944 3271 8365 7 2 or 3 6978 (5978 G978 6978 6978 6978 69 78 f978 G978 6978 G978 6978 6978 6978 69 78 6978 G978 45 83 23 04 I 20 163 11 4.45 1.20 17 20 19.41 25 40 6. 78 6 54 18.34 7 20 29,00 7 20 r'3.07 73 28 $885 23 Interest Charged 06/2G OG/2G INTEREST CIIAIIGEO ON PURCHASES TOTAL INTEREST FOR THIS PERIOD 6978 56 44 $56 44 Total fees charged in 2015 Tot,ll interest chaigeti tn 20'I!& $25 00 $412 68 Youi Annual Petcenta e Rate (APR) is ttir annu~i interest isle on yoni Rrr:cunt Annual Promotional Percentage Trarlsactioil Rate Type Promotional Offer ID Promotional Rate End Date Balance Subiect to Interest Rate Ill lemst Char es by Transaction Type Pur loses Balance Transfers Drrcct Doposrt a d Cl -.k Clsh Ad B;&ilk Clsh Advailccs 11 74 tV 11.74SV 16 9959 I 9 . 24 IV 95,660 77 0.00 5 0 00 5 0 00 556 44 5 0 00 5 0 00 5 0 00 APRlyo Dsfinvons Dail I ieie 1 sais y\&l v= vs wilt Rile sa1'mar vari BilNKAHERI CARD CASH RENARDS a. 6 BASE EAR'11ED THIS HotlTH 6.47 BONUS THIS NORTH 00 REDEEHED 79 95 TOTAL AVAILABLE VISIT BANKQP'AHERICA. COH/CASHRENARDS 159 I rinnm t wth mt anil &«rth vnrh «then I'nii)v )mnrl. -«n fnnilyrut inn«i&.hrrfrn, Itin mn i&,:m&1 lnr il Inn&I ytnm ()tt thn (fnrl prnnmni ln irl «nr kn,it Irnrliy hi htn (r till& hh &'inty It& rrliy 5 h tn trr tl)i tn. '«Inlt. r &'r lmlhiit'ir«nirllr'&i':irlmrn. nin,&teal l&irl& ritv ti'r «A'«,ii«,r ln nri np n. n. I Iln r«tm«ni,in tlrrrrf&rrrp;,I iiiiln lnnh thnm&rt&r:.I&I«in tyln»nln»ill&nit)ii.!,&&iiiilmiii,iinrl rites»nlrrn»(»rfrrrri& rniirh»)i««n.,fitriirit lmnl« f irnm rr&i r m,i&1«m» &Itin&'I I'nt«t « irlr (hit'&'. 160 BankAmeriCard Cash Rewards" Bankof America ~M Visa Signatures MARK A MESTRFSSAT Acroiint Number ~~~ 6978 June 27 July 2C. 2015 Account Information ii ii&v.) raiikr&f &&lie&'Ic:i ( )in Mml bilhng inqulnes to: 8 ilik &f .)n'ict&cn 9 0 8 )& RSB?35 Ei Pe. r 'ii'X Tpr)98 2 &:IG Marl payments to. 8 i ilk i if \ & )i&,' 'Ice )LD, i)ox 15019 )Viinunmf)n i)K 19886.5011) Customer Service; I,SOOMRI 2110 ( I.ROO.,')4(&. ) I r 8 'I''7 ) Tote&I Minimum Paymefit Due Payment Due Date ..$ 39 00 8/23/15 Late Payment Warmng If we do not ieceive your Total Mmimum Payment by the date listed above, you may lieve to pay a late fee of up to $ 35 00 and your APRs may be increased up to tl&e I'& nally Af'R of 299911. Total Mnumum Payment Warnmg If you make only the 1otal Minimum Pay&bent each per iod yoi& will pay more in Interest and it will take, you longer to pay off your balnnce For example New Balance Total $ 1.377 09 Current I'aymcnt Due . .. $ 39.00 New Balance Total $$ ,377 09 Total Credit I ine Total Credit Aveileblo.... Cash Credit Line Portion of Credit Available for Cash Statement Closmg Date Days rn Bifhng Cycle $ 16,000 00 $ 14 G22.91 $8,000 00 $8,000.00 7/?r)/15 ...... 30 Previous Balance.......... $ 1,672 62 I'ayments and Othe& Credns.......-2.000.00 Purchases and Adiustnients 1,6'(8 64 Fees Charged.............................................0.00 Intorest Charged .....................................25.83 Only the Total Mal&&bur)i Pa)i&&of&I $ 4I'& 00 7 years 36 i&&of)the $1,944.00 $ 1.656.00 (Savmgs = $ 288 00) If you would hke information about credit counsehng services, call 1-866.300-5 238. fmfl&'m i 'o f ffa c. fe .Oefr f?esr: opo No oee 4'cm(e f& iei 0!/23 0!/23 Payments and Other Credits PAYME(qf TIIAIIK, YOIJ 2887 4923 -2,000 00 -$ 2,000 00 0(3/2G 06!2G 06/27 06/29 Purchases and Adlustments I INC 800 493 4240 8('( 49 &4?(I 0 I 1 LUCKY 1'757 SP(i IOSF SPN JOSI CA 5397 280! 6978 6978 3&30 00 fl7.46 b978 BANK OF AMERICA P 0 BOX 15019 )NII.MINGTON DE 19886-5019 Acrounl Number: ~~~ 6978 New Balance Total „ Total Minimum Payment Due, Payment Duc Dote. . $1,377.09 39 00 08/?3/1 5 MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95118 2325 I ntcf p'i)in('i&l i&i)on(i&. $ piepse oici ee acr e i' &c (ne reve se.«ye M &tin pen e&onewthio rch ok ps)eci t 6 nk fA E,R 7 Bi) ~ 161 IMPORTANT INFORMATION ABOI/T THIS ACCOOINT CF0201 Rev 11/10 CUSTOMER TIPS FOR DISPUTED ITEMS 1/&r»ti Ji,p.'NI &tl..if!&& pre ip ii 'Ivup,l'dr, 1 It!1& & ic!nein(s n 11 'mt I.'.",&I rn) :Ir O' & fo'0: t.'I'III" '&t&1(P',':'0(v» 1111«&vtl vP'I/&I ar»I'&IV I I I'l k& ra( " '''«1!d '." '"'0( ':A( 8( !I d( Il1 ('0 I '0 ''0 &IP ' 'I "I'I & (' r & &'0 &v '/Ou( ~ Nas a credit pm ted to your account) ~ Is the charge or amount unfam& tier/ w) sw:I ",I p N "&»c)urnnrprltcoisp&I car"1 tin pakeuvc itvvoidnn&m ':" vi) r !sc'1; 1 iic I vai,)«&;.,'*I Dnlineganking ili &us) tnr u pic igt'tpv(n kiri r cpn;I". I» r tn';o»r clare»en" 0(roii usa dit Please remember: If you find an error on your bill, you must notify us no later than 60 days after we sent your first staten(ant on which the error or problem appeared to preserve your biftmg rights ONLINE PHONE ) 1.866.266 0212 I('( um MAIL Attn Billing Inquiries PD 801 982235, Et Paso, TX 79998 NN:" 0)i 10 „p!r: p» „, ti your Name Account Number the Disputed /imount, Merchant Name, Transaction Date, and referencenumber,'p dl si I lp(t &u'fr& dntt si)cwl Ir 'pidd,pg It "&p your doi'( 0 0'n'dlr'18 c'0 ". ofron&ac&wi&hiherncrrhdntdnniht. n erdwitkirmoi 0 p(drti -,rdicc Pt acc,nrlude 11!&up«or!rn rfn&ui &r teen (i;n(r &snip d)'r era PAYING INTEREST w'w&ll:I;Ii; p& t & r ic.'i»les(sui'I't J)'ercn ilvuiu vitipNP&vtfdlar(i 't rat Pi ha'lc& I'i C'-,* "t flic ti I * an! yOt I "I Oim i fi li VtttC 8 ." in i ~ I')Vrncnt Jue pate 1&/0 Vi b'& iit »; r;, «&i»'iiddi: fcng" '.)«t )9 /d!Vr&rCOn:! CI V!r intd)u CALCULATION OF BALANCES SUBjKT TO INTEREST RATE 'ratio»(&or) &t!1.&', c1, f)I&(rid m. irlt C(crir&gn &'i»tdlCPC V'NJOu&1Cy I/t iim(ldivig ir!Ol(0 lw ..",: 10 i & I;r m,rir 'dNI;( dilr'uriil, », air, .Iopct'ici,dn('.I&r .;eh . 'i; v ( i of «p,il, 0/,i &,1, t', 1 tr ri i 1 w &br bit'i»dry k '; rdl iild&, « '«wq "I, d Io:.- '; i:I cv ter(vi «sl 'rg&v«c !r I!;tak& t»c di& lrwrr sd ! 81„(vtsicpcp rdiw( nevis rc la)cs Ic)PA &OI 8!'Cc" ai)&inn & Transc&0('I &r; /a(r kp J,ld'ct Sir&'&od, 'miir(prow!1..ldiieli.is/sr andncv, act&/r'vpn(r"f 8/c catcu!1!0 cpa&1!eBOar '8&&0&pc&'.nant«terri&potato Batar ca Transf rkC)ch /ldvancrc *mt Iot car!i inlrrAucio&1 r r I&ro)1)lrnn /Iiffci t)van e cur srsnnr c'Beta«ca ransfws 0" fashA(&vdr . ~ 'A'; k t'achy I!r)(&rin «t 0 I (It!i:Id» t)reef d yinttvcc! &amen(1 TOTAL INTEREST CHARGE COMPUTATION ;ntr crphar rsaw iparrt-ec nipouil dona!0, tac 1" « ip iiinp«i, n m i Qi rgmiic cii 'Irpycict&Bdti ims&tn ci to imwic& tmpti. I 0 iuirohc f)1!. Pc»0('1 iM;.. OnC!&hat msuh!Snaitt!Plie I')& 'tier icitiiv Ct &li;& itii t;'» I'cCI" ' mn. r t";Om Inieicctftiargeh&r fhcbgingry Ic dead&i I!iePermcicpa t In,.rc It& argccr:,,m'r A)ah. oenedic Bate,S rain&tau d by 0rmrhng . &I Ants!of Oc'Crn„ ik )Dr HOW WE ALLOCATE YOUR PAYMENTS Paymen cd editnrdI'wl &uposleobaaiires f your irc»(r liest:wit. sr«i &if&pre, APkk )c v& I «1&»Cd&& Itic dp 000, cf ( 11& pet nc 8 pr \ I in&'&r IO '&I I P 1C k&ccs! APP /mar c cf(rsi fm I( rl&rm &r)ssdctmnc r'id«c Irpr 'I':dt ', "r'«&'d)r»r i )r mr,icsc c f ycur 8&!1! I lrrn r &rn) pr/ nr ri'& r* vill t i app ir « Ic r !. c c "6»;I: Ale&. IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE pa&( i I'I f On& f0 cd(I I J('i n 6('! Od(& I i I si 'ut ", & c& I 'c, "«'; ' )« dnlf. Ifiidl 8;I'n»g (lfedch f)dvn&'n. I&I( ju &(I (0 p(t(01 &1 &1 I dc( ''('0 '1 r oi&(in( 1& Afepmdyapptyftn (Isf)pdltedlc&'r l(p loca»cpf,'.101!10 f I It&& wh (I'&8 f'Ivl'twn J Ic burne day pay ticnts cannot bi'prl rcd oi an etcri YOUR CREDIT LINES ,vciii& Icrr&r dard fmnnrivc»r 1 pri "1'Is f''ISCELLANEOUS I iv I I'(d, PAYMENTS c. - "; ., '::,, * - iv,. ",::,.":-",; .*' I-'n ",:; If your billing addressorcontact information has(hanged, or if your address is incorrect as it appears on this bill. please provide ag corrections tie(e &I Ir oc 1 BankAme¹icard ~ ce.hReesid'ankof America+A Visa Signature" ~W~ SOTS June 27 - July 26, 2015 Pasc 3 of 4 Oc(P O'P opec) psp)l /'PIP P. PP P ie '»I P AP) 'I)) ) lcrpl 06/2G 06/29 06/28 06/29 07/01 07/01 07/01 0//01 07/02 0 7/0:3 07/03 07/03 07/05 07/05 07/06 0 (/06 07/07 07/07 0//'I'2 07! 1? 07/17 07/18 0 //1 PJ 07/19 07/19 07/21 QG/29 06/30 07/01 0//01 07/03 07/03 07/03 0 //03 07/03 07/04 07/04 07/04 07/06 07/06 07/07 0 (/08 07/09 D7/10 07/1 3 07/14 07/20 07/?0 0(/20 07/21 07/21 07/22 Purchescs snd Adjustments ATGT 5116 4122 SAN JOSF CA WALGREFNS ¹?384 SAN JOSE CA SAFEWAY STOBE00009977 SAN JOSE. CA SPROUTS FARMERS MAR SAN JOSE CA SAFEWAY STOBE00012450 LOS GATOS CA THE HOMF DFPOT¹100fi SAN JOSt. CA MR CHAIJS RESTAURANT SAN JOSE CA UNION OPTOMETRY SAN JOSE CA LOS GATQS ACE HARDWARE LOS GATOS CA LOWES ¹01756" SAN JQSF CA WAI. MART ¹2524 SAN JOSF CA ORCI.IARD SUPPLY 4691 SAN JOSE Clt QUIY, STOP i/0034 QBQ SAN JOSF CA LOS GATOS ACF HARDWARE LQS GATOS CA LOS GATOS ACE HARDNIARE LOS GATOS CA SAI L WAY STORE00012930 CAMPBELL CA WIENERSCHNITZEL 33 CAMPBEI I CA SAFEWAY STORE00009977 SAN JOSE CA WAI.-MART 45884 SAN JOSE CA DOi.BTBEE 3185 0003185G SAN JOSE CA SAFEWAY STQRE00009977 SAN JQSF. CA WAI MART 45884 SAN JOSE CA QUIY SfQP ¹0034 QBO SAN JOSE CA WEINERSCHI&IITZEL ¹366 SAN JOSE CA WIENERSCHNITZEL 33 CAMPBELL CA WM SIJPERCENTER 45884 SAN JOSE CA 9787 7904 01 14 36GO 0472 1645 9131 6195 0425 818? 4202 5417 5817 9622 8250 1800 3095 0169 550)J 0004 1085 5920 7289 0?GB 2471 5659 6978 69 /8 GO /8 6978 6978 6978 69/8 6978 G978 6978 6978 6978 G978 6978 )3PJ 78 6978 6978 6978 G978 6978 6978 6978 6978 5cJ 78 G978 6978 154.9G 3 60 20 38 21.90 22.44 81.46 7 99 436,50 18 38 ?7.71 30 54 51.98 20.00 47.09 3 43 18.4G 6.05 I 0.97 83 88 7.3? 27 78 F)6.97 23 00 5. 8 5. 40 37 61. $1,678. 64 07/26 07/?6 Interest Ohergsd INTFREST CHABGFD ON PIJBCHASFS TOTAL INTEREST FOR THIS PERIOD 6978 25.83 $25.83 Tofof fees charge(I in 2015 Totaf interest cf&aigatt in 2015 $ ?5& 00 $438 51 163 Your An&lust Percentage Rate (APRI is It&c mmual interest isle on your account. Purchases Balance Transfers Drrect Deposrt and Check C.sh Advances Bank cash Advances Annual Promotional Promotional Promotional Percentage Transaction Offer ID Rate End Rate Type Date 11 7»')V 11 761V 16 99')V 19 zeev Bala&ice Sub)ect to Interest Rate 32,677 11 0 00 Interest Charges by Trails&)etio)1 Type 925 93 3 0.0030003000 0 00 6 0.00 APR Tyl&e Deliniiiorn Daily interost Rats Typ= V- Ver able Rate, st may raiy) BANKAMERICARD CASH REWARDS 16 76 BASE EARNED THIS MONTH 9 63 BONUS THIS IIONTH 00 REDEEMED 101.16 TOTAL AVAILABLE VISIT BANKOPAMERICA.COM/CASHREWARDS iluyiny'ur refinancmg s i&I&Hi&'('h & k us r»it fir. t. Ts ) Ihnl& iit.in)i ri&n'i tc)ni ti yi»i nl iy qiutlih I'ui,i mtc discuunt un tnp &fi'clsi&u& &vithi)1 rrlilmtcslyith nl)I'iley, nn fcc )ipplic»tliin Ail))TY I&&day RI )milk&)blip&I'Irn cnlu/Irlicli i&'nlcllt ril i&Ill'&lnlpctlllii* intr.. ((i&,i (Vc im)tc yr»l tulnm i&s ln chccrmg nn rhc:ithli ti s nt rhc Hpd s&f ()limpii. Hiiirlrl &I imos ln I ns Angeles .Inly,*.'.& August 3), SOIR. I earn rnnrc ar lninknf'amcri&n.rr»n/pnssthcfi &mc 164 LIIIkAmerieard Cash Rewards- BankofAmerica ~M Visa Signatures MARK A MFSTRESSAT Account Number. ~~~ 6978 July 27 August 26, 2035 Account Informatioii irshv ii,iiil ifii inc'I'lihi ( )in Mail billing inquiries to 8 uik i f Anici'iihi ILO ii(ix f18?'.„'13 i.l pipit'IX riDOh;!!Ii Mail payments to Bank (if Ann nb,t i(O. Jiov 15019 Wiimmgfun ill: iipghG.,iOifl Customer Service I 800rg! I 2110 ( i.SODJI4(lull 8 'I'I Y I Total Minimum Payment Due Payment Due Date.. $?8 00 9/23/15 Late Payment Warnmg: If we do not receive yout Total Mmimurn Payment by tiie date hated above, you may have to pay a late fee of up to $ 35 00 and your APR" may be incieased up to the Penalty APR of 29.99%. Total Minimum Payment Warning: If you make only the Total Minimum Payment each penod, you wilt pay more in interest and it will take you tonger to pay off your balance For example: 4sfk "'p *,, crt'' ',*,.*,',' c ~h,,:~~QJA~ New Balmice Total . ..$ 1.916 76 Cui rent Payment Due, $ 28. 00 I'ievious Balance Payments and Oiiiei Ore(tits Puicii'icos eilrl AiIJiistiiiants Fees Charged. Intbrest Charged.. New Balance Total (otal Cri riii I. me I otal Credit Available Cash Credit line Portion of Credit Available for Cash Statement Closing Dale Days in Biihng Cycle ..... $ 1,377 09 -1,311 93 .. 1.841 74 .. 0.00 . 986 .. $ 1,936 76 $ 1G,000.00 $ 14,083?4 $ 8,000 00 $8,000 00 8/26/15 ...31 Only the Total Miiiiinufi'i Payini.rit $ 63.00 9 years 36 niontiis $3,044.00 $2,268.00 (Savings = 3.776 00) If you would like information about credit counsehng services, call I 866300 F?38. x'src e ch. c*cbb r Pais h'm bc ryiimbe 08/21 08, 22 08, 21 08/22 Payments and Other Credits PAYMLI'IT TIIANK VOLI \VALMART l 5884 SJIN JOSE CA 2917 6119 4923 GcJ 78 1 3(JO 00 11 cJ3 -$ 1,311 93 0//23 07/27 P ~ rchases and Adiustments Siiirh'JIY SIORI-00009077 SAI'I JOSF CA 0195 6978 20 '. 6 i 978 BANK OF AMERICA P 0 BOX 15019 VVILMING TON DE 19685-5019 Account Nuinber: ~~~ G978 New i!stance Total.. Total Minimum Payment Due. Pay'inept DiioDali.'$ 1 9 IG 7Fi28 0009, 23/15 MARK A MESTRESSAT 1455 LUNING DR SAN JOSF CA 95118-232 Entm payment aniount 5 mhlihscpvpp picnsi ihy h hp ysbi t e i, ih . c, L9 78(ie 165 IMPORTANT INFORMATION ABOUT THIS ACCOUNT CEDBC Rev 0/16 CUSTOMER TIPS FOR DISPUTED ITEMS vh 11"( lksluu kt! I '!'c k*', &I'l l !'(I'd&vvs &hi'us )I'Ici', li&', v ' "c)','r,.'vp,.ur". os ! 1&,,v(t )r ('(r'' 1ol'1vu'r&i,'wly! Iv ii&1&M& '!Iln;,icdl 1 N u « 'Isis irxll,:( I cs li y ui Iupinr ih;,nv &I amsN!c» ra)mtr "i)t'x k,,), v&r n & ~ li,is a credit postert to your account& «I,;1& 1' pm&(1 bjs;"'!I c I lcnl rrii,&(n i v»1»n 1,(ki( itc:.2" ~ Is the charge or amount unfamitiart coed »i&1 c lr uc onsirt nrl c llou i':tvv&o! i tlonl)i«'sixetl)Dcidnnlnd(c ": I1'"ra(if'pihvt!I vv ci(h« ts tet(!0 un sara(to n;i w,; !ter I i ('un&i (:u Klsuj'" civ'6, ('d i'l ',vdr ctidf *. ' I vi 6 cte lifls 'f,m& ai .) Iri r Ik;I'Dntirre Banking. itnra.j l((ni lu(1 s I *r"Wet )rlc! r (son:I r Irvr rolycui tat!'nei!roi vive us)call Please remember: ff you find an error on your bill, you must notify us no later than 60 rlays after we sent your first statement on which the en or or problem appeared to preserve yow billing rights. ONLINE PHONE ) I 866 266 0112 MAIL Attn Billing Inquiries, PO Box 982235, El Pasn TX 79998 :si n; )xlv your Name, Account Number the Disputed Amount, Merrhant Name, Transaction Date, and reference number ' du! ()ul rfilrmaii!! (uv.i* & rivt it.ivg r I „vou" disnuto includngnares OI &,))mr& arith ttm t icrr! &nl.tnc lit.* mpichdnt rrwponsc in var ho!i!In!( nxteaq i I iv '.inr;Cn(inc& !air n, 1!xludir «sales wxt(rcvit (cl'(u.lx(cs) „ic a!Nposru&xrvf!ru»' &16&so) pio: cfa1& l((1«u PAYING INTEREST Ni wilt n, &hcrpcnvcr(t i!'u(t'vsu'&'I'1'nrx&sw(vi mt i!Ynup ylh Nr vgdlarc '&ml!n f il! I;tt'r P /nwnt Duc Catv dxtvouharl paid,itfu'tby&hvprrvio 1 I')yn & vr kiuc fi i c YY v «b 0 net xkri ~ int ie fon Pal n v 'r&nsfv swirl f1 hA«var( unn I r r i;cl oi ki" CALCULATION OF BALANCES SUBJECT TO INTEREST RATE i'vv,«u "." 'Pw:,." Bd 1!!! 1 .. I,'1) v I c xi 6! ! e I lido'n& D 1( Ixls!'1 d ut !'I '! tl 'ui()cuc ' x Ioniu n '!Jlfvrt 1du( (tarsi)of igni put(t1«s(s jkcdo itl 'y ll (a culdt'nl' &of:tk»t.alto I, &rrsf', lvc ui'6'& )fd:rsmt'iobitlingri'lc. '( rdkvldictlw tail) lip&r -p!oi &act dw:I'wsl r ncntkt.'!Pig vcfc vr &:mk( th: Ulawui,& !la«at, I'9 fkrir ie Dppy ieno)el,ilr nn:u&p!«(I „, acp!cvic i" cav" o-lvbalanw,(3! (IJno PIN&refuses n wArmunt lees anrt nrw lr)ns xrwrt ,..,(I;uurvr 1iPiki! iukrvynvnt( "I:!Ciit( lfsn dvklahn iik S;Iur ).rOVX* '.1 id /'&)"c qit, v!'/pl'1(fl I n(kxllnp I isgdtd!1(c h 'I fpv «nit flew cdst&I'ov'ncp I '6'e (al ri it s.t iralr B)'an(ca Si hiect tu an Inrci vs& flite fo ttafar'ce Tra! isle!s Cast Adv)nr * arrl to raci) lntrnducto!y cr I'ro!notionatO/ter balan e &or(mung of Defence '&ansfr rs » fast'Arl; xv 'P&v k)!hi(by fif&aiculavngd Jiityb to)(c or&'d tl(! To&!ti!1sl &vine& fk i)ris) n,n;«, r 1!); )(wtw'i'1'!.I luip(NR 0)fv(f'r ipns!')Fg&& i( &lin l'l fs TOTAL INTEREST CHARGE COMPUTATION kif:!". I nag . 1(.'l,,)r'i 1(;. Oi, u ki.&trued ly11 is Tod".Ipnunpti'I lxrr'(1 1'tmt(m(t'd)t, i,r kit r(ttulnt r.1 paiv'hyir(wip';ab!'D)tyf'rrnriicRu( »«'I;1";&!;r cit:;(c&I'tlci r it i &'o;:, ilhrt:»rw;",Iv To,"..& m!r( tnrlot)'twie I crwcc,", -,"; II;ig(y ir- vc x!tt dip/'mar!i Riu.inl. ri'st(tiargestogpu&pr AD ily''J c Rd, ' .Fk!61 '" 61'!Il '('u1 c &A&v' l "'c& nuiv R, fp ,'1 366 HOW WE ALLOCATE YOUR PAYMENTS -r, I i.d; o «,p s. it)i nivs Ily, i di«ui &has odtavcesv&ith(tff ren(APRs a ',": d, wir l v! i(» o,:,,& r ~ .&»Ct inl x o at I! mnumP)jnri &()uvla!hc "i" 6, /C" ': 'f)( . I * . n'ir . Ol'191k)iml(1')&l,l'& Calf!C":I i( "ifCO) 'Iuf P)y 'iC'I t 1»o!»k' '." 'J, i "i .': P ynvn(D!."r ia lx lp)"ml tr: tmanr. ( wilt I ghci Af'fts IMPORTANT INFORMATION ABOUT PAYMENTS BV PHONE 'nn x, I v":u!'! i "1,1!v ' 'ou!!Osl initio Ir!' l('11&vx": I or )u u p!o'Ix ho '. wf: wl I dss! k st c Jf I)'1 orfn alta& 6 &ep mdy ai ply fn! «pc Iu! d si-'i!( Io cat &cl 6111 us before rhv s(hwtutwl payment date an1( f lay pi)'In('nls! v'i!ol' c(l (vd el pn(pt('0 YOUR CREDIT LINES k: hNX»1: '..'a!h '..)k/x!1 jis)n(v( nrss;ofAIMIHI Af'rar'rc MISCELLANEOUS PAYMENTS If your billing address or contact mformation has changed, or &f your address is mcorrect as it appears on this bill, please provide atl corre&lions here "'!'1*,, I i i r ls &- )vd i.« i. I" r" ',pr I (dl. n vol "&i m'ms,1triies C" s(!metr! ted 'o owu& BankAttterieard Ca.h Reward/a BankofAmerica ~~ Visa Signature'"'~~6978 July 27 Aiigust?6,?OI5 Page 3 of 4 re s csc Dere lie/a De rupia w mee mumcrr I'e/ 07/25 07/26 07,/28 07/?9 0//29 08/02 08/03 08/03 08/04 08/04 08/05 08/05 08/07 08/09 08/1. 0 08/10 08/14 08/15 08/15 08/15 08/16 08/17 08/19 08/19 08/20 08/21. 08/21 08/22 08/24 08/?4 08/25 08/25 0//27 07/28 07/30 07/30 0 (/31 08/04 08/04 08/05 08/05 08/Oc 08/06 08/07 08/08 08/1. 1 08/11 08/1? 08/15 08/17 08/1 7 08/1 7 08/18 08/18 08/?0 08/20 08/21 08/22 08/24 08,/24 08/25 08/26 08/26 08,/26 Purchases and Adjustments HHC 8004934240 I3004934240 TX ATGT S11G 4122 SMJ JOSF CA SAFEWAY STORF0001?930 CAMPBI.I I CA CABi'S JR /046 SAN JOSE CA LUCKY tt75/ SAIS JOSE SAN JOSE CA LUCKY 4757 SAN JOSE SAN JOSE CA WM SUPEI'tCt NTER I/5884 SAN JOSF CA SAI FWAY STORf 00009977 SAN JOSE CA PET SMABT INC 2242 SAN JOSE CA WAL MART li5884 SAN JOSE CA WALGBEENS ft2384 SAN JOSE CA MR CHAIJS RFSTAUBANT SAN JOSE CA WliLGREENS 42384 SAN JOSE Cll LUCKY 4757 SAN JOSE SAN JOSE CA WAL-MART I/6884 SAN JOSF CA I UCKY 4757 SAN JOSF SAN JOSI- CA CARL'S JB 7045 SAN JOSE CA WALGBELNS 42384 SAIN JOSE CA SAFEWAY SIORIOOOT2930 CAMPBFI I CA MR CHAUS RFSTAIJBANI SAI'I JOSI= CA I UCKYit(5/ SAN JOSL SAN JOSL CA NOB HILL t(604 LOS G/ITOS CA QUIK STOP 40034 QBO SAN IOSF CA WAL.MARI i(2524 SAIC JOSL CA WAL-MART 45884 SAN JOSE CA FRY'S ELECTRONICS RG CAMPBFLL CA SAFEWAY Sl ORE0001483/ SAN JOSf CA LUCKY 4757 SAN JOSE SAN JOSE CA WM SIJPEBCEI'lTEB 45881 SAIJ IOSF CA ATILT S11G 4122 SAf'I JOSE CA IIHC 800-4934240 8004934240 TX WM SUPEBCENTER tl5884 SAN JOSE CA 9129 8884 1117 8220 0510 4241 85'I 8 0721 9192 4547 3871 59OFc G09 7 7246 ?955 9929 7042 945G 0758 6i'64 4337 83G1 8003 (413 6887 29G1. 0889 3595 9217 3156 0187 48G2 6978 6978 6978 6978 6978 6978 C978 6978 6978 6978 6978 G978 Grg /8 6978 6978 6978 G978 G978 6978 6978 69/8 6978 rig/8 6978 6978 6978 6978 G978 6978 6978 69(8 6978 390 00 116 25 28. 71 7 91 29 9g 15 81 54M2 30 60 9 79 37 89 3.87 7 gg 4 75 9.00 46.62 5 99 9 45 3 69 35.61 7 g9 32.80 20 55 ?6 00 104./33 103 69 65.33 27 19 1? 6? 21 rt'I 152 56 390 OO 7 74 $ 1,641.74 OB/? 6 OBr?Fr Interest Charged INTFRFST CHARGI 0 ON I'IIRCHASI 5 TOTAL INTEREST FOR THIS PERIOD 6978 $9 86 Total fees chorgerf in?015 $ /5,00 total interest etidiged iii 2010 $448.3 ( 167 Yout Annual Percentage Rate (APR) is the annual mtei os& rate on yout arrounl Puroha es BaIance Transfers D&rect: Dopo rt and Check Cash Advances Bank Cash Advances Anttual Promotional Percentage Transaction Rate Type 11. 74SV 11. 745V 16 99SV 19.?4SV Promotional OfFer ID Promotionol Rate End Date Balance Sub&ect to Interest Rate 5966 BI 6 0 00 6 0.00 6 0 00 Interest Charges by Transaction Type 69 66 60 00 $ 0 00 60.00 Al'6 lype Dasnii n Daily irte * I?at. Type v va isbie Rat*&ra&»may»sryi BANKIQIERZCARD CASH RENARDS IB.33 BASE EARNED THIS MONTH 5.96 BONUS THIS MONTH .00 REDEEMED 125.43 TOTAL AVAIIABLE VISIT BANKOEAMERICA.COM/CASHRENARDS g+W~P-'«MML fir&&Illy, I''i'fir&i&I&t i&IS,l ii'i&i&I(" ('bc& k il» iiu& fii. I it» s i »l&k (if&&in&'I'Ica & Il»tnlni'IT imli 1&1&1'&iliaiiti'r r,1 I'li'iisciiiint &11 tnp nf i ili (iilliflutlnii' iics, ( & I » rlcr ». un ic»hin rmnntc» iiith i&ur cn»i, mi fi I appi&&atinn. Apply t&»lay at beni&oflimcnc» cnm/lus i&at&mont i fir&» ii up: \Vti«thct yui& a&«gi m mt rif stitn oi rmt ot the cunntry, qmci iy ri f a tray& i imt&crim t)ni&m'huik&ng trihcti& ini»&l i&i 6&hi« intinnpt»»16 irhcn iismy yi»ii &,irri . R«r «an tim«l nntici nr tinnl«if im«nc i omiitnp 168 BankAmeriCard Cash Rewards- BankofAmerica ~W Visa Signature" MARK A MLS) RLSSAI Account Number: ~~~ 6978 August 27 Septembei 26, 2015 Account Information ivimv )unit &fimeiici,riim Mail biking inquiries to funk &f.tmcnrn I'(I ilii& ')SP'T& FI f'n&u 'I'X,r)9r)8.&u& I & Mail payments to. Ii Ii)k uf it&i&i'i&i. i, ILD )ios )5019 Wibningtnn f)it )9')86 508) Customer Service: I,kr)0,42 I .'.I )0 r I 800.346.3)rR 'I'I'Y) New Balance Total f1,997 91 Current Payment Due . $4000 Total Minnnurn Payment Due Payment Due Date $ 40 00 10/23,/15 Late Payment Warmng; If we do not teceive your Total Mmirnum Payment by the dato hated above, you may have to pay a late fee of up to $35.00 anrl your APRs may be increased up to the Penalty Al&R of 29.99% Total Mmimum Payment Warmng If you make only the Total Mimmiim Payment each penod, you will pay more m interest and it will take you longer to pay off your balance. For example: WWM New Balance Total .. ..$1,997.91 Total Credit Lme . Total Crodit Available........ Cash Credit Lme Portton of Credit Available for Cash . Statement Closmy Date Days in Billing Cycle ..$ 16,000 00 .. $ 14,002.09 ... $8,000 00 $8,000 00 9/26/15 31 Pievious Balance . $ 1,916,76 I'nyments and Other Credits. - 1,000 00 Pure)is*ps and Adiiistments..... 1,0G0.14 Fees Charged......................0.00 Interest Charged ........................ 21.01 Only the Total Minsnuin Paynient f6600 10 years 36 months $ 3,195 00 $ ?,3 76 00 (Saving - $ 819 OOI If you would hke information about credit counseling services, call 1 866-300-5238. i&pic pare nese op gp cr 09/23 08/28 08'2c) Ora/23 08/3 1 08,& I) 1 Payments and Other Credits PAYMENT - THAN)l YOU Purchases and Adjustment" SAIL'4'AY S)ORI 00028159 I OS GAIOS CA LUCKY f)757 SAN )OSL. SAI'I JOSL CA gc&48 I 424 (ti&2 4923 il(i/8 5!&IS I 00000 13 29 3G GG - $ 1,000 00 b978 BANK OF AMERICA 9 0 BOX 150I9 VVILMINGTON DE 19886-50I9 Account Numbei ~~~ 6978 New Balance Total Total Mmimum Payment Due I a&i&i&i&i Diit'r&to ... $ 1,997 91 40 00 10/23/15 iMARK A MESTRESSAT 1455 L ~ NING DR SAN JOSF CA 95I18-2325 Fi&lei p i) i&ieiil aiiloiii&t M iii»c p* along ii y ch ckp y ui i a»kcism « g,9789'69 IMPORTANT INFORMATION ABOVT THIS ACCOONT CPO;&n;& t;ev Bi!" CUSTO&k&IER TIPS FOR DISPUTED ITEMS t diu i&!1'I" Itpuvdt'll lp!6 ivk';,0'1 i!orts!&6&.;Id!&i&» &v is I 11&0!1". ",I'r cftiv tiolv 11&d ':,,D & soli& I& 1& rti&P& t Ill! !11!" !v 0 'oe" & I i I' v»,' i !c I w. ~ Nas a credit posted to your account» Is the charge or amount unfamitiari Chcrkva t'r(I'n pc'nsawt r rurtlir iov I! Jmu I!r n ib,irvl't&& iillnol w&sc amour tat n r Jsi; be conf! sad&oui 9 &1 dr d»rv. s: r vi(li rl! Ii!i stitcmrnls'w!inr fym&:t,ictwii»!!el r onlineBanfring I .;,, wv iipu irgp n:6 &itdmss on! I e fiant ol yvrrr state»&tnt ot mvc us 1 call Please remember: ff you find an en or on your bill, you must notify us no tater than 60 days after we sent your first statement an which the en or or prob!em appeared to preserve your billing rights. ONLINE PHONE ) 'I.866 266 0212 MAIL Attn Billing inquiries, PO Box 982235, Et Paso TX 79998 (ion r,r '. '8 pii: - 1 t ! Ii!Ie your Name, Account Number, the D&sputed Amount, Merchant Name, Transaction Date, and reference number i.l 010 d !put 'it !tv!!1 &lid spivlt'a 0!'! &its rep I!I, t 1'our dr &&1 t'i&r I 0" &e r 1f runts& t wadi the vie rc nant ann I! Ie mvi et! i t . re!pvr,r. iri ci! Ii ir sr, we ncktr!P !!I suf&i&C'ii&f'I'!I"'IC'I fa 10!1,1!ufia u'P Sdl '. 'I I &r . t vvuctimu &0!'u ci ii Ape»rap 'I'ctlitti '!!0&s,ls prep! ct.nc;v(I '&is PAYING INTEREST ky \sit! roti!&a!Be &&it I nit!1&'uul'se& or&'h. not watr 'rc &! i',oli ppy!!&c 19! v 8 '1(tm Iou&f &n f it! bv rl c payrrmir D!rc I!are nd you iivrlrrau.i I w bl ilv lt corno It&snow ld tc ui" Wc crit' rgtn&t arkaimnivtest unpalvniv!ran!0" a; c&n Rr &pr v:vilt rwov!ini;!Jv CALCULATION OF BALANCES SUBJECT TO INTEREST RATE lwviapvDilt Jvt&oc tavthrd tinrt,ir!wgnpul'ip Iw c" Inuor!rrc oryutpron'oti nalO!6'rowanrv!ui'soui&golpdi n sex'AD&loll'!'& . &Jrul ing :&difyb lanct.'cirvictid& i'tie!&illingc&c'r;, ir.l„igdgr Jpi!1'i arms 8 rn: drilit, dn cl&ng 8 i umol ttiegafyndfinii'&by&i'c: &! ! twrel Icvc ni'ir bai 8 &r c. Cn!aki lvrc rl&r de tf» Mn i!for urn 8 i w'I &!: 1 r r«r'ah(kne! "rlc w! ": Ia!el!, I JP!i'0'! odd&'r!' I 1 w ln 'I 1'1!a I P! !&l I ', tilt I'.l & I ": ', I( ' .!lt»l't prewou ddv. rt- ti balan« f I! Ntd ne. Burma!as new@!(uunt (ves J id 0!w iro saomi r&'I &ppli«&tll rdp-lnt: 'Irrr.!'its li,n" Ivlyl ildo& slv tl ni. »Pm !'!'»I ii 11.'e&n &I!ei iy, Bdtd v!.'et&i .d (i!i&!!ding i,v Bdliiir! I!xi,(Prs il I ri&'n ( is&1 a !«rt i'I Wr mlcutat . spar te Ba'ance& Suolerr to an tnmi vs! It&tv f&v Dater ce lransfpw (ash Advancr!s ar d lo(cad& Introductory or Pro not&ondt Offer J i'an&a c &risimnc vi f4!ance»ns!r rs or(dst&gdvdn Js 9!ado tin!by tl!!. c,!air g J iailvb Iwcr 'ori &Pic .;:n rt its!Armer ls TOTAL INTEREST CHARGE COMPUTATION Inti i v 't C!i iree » 10 ii c awt i e 0 rnpound &I vn J daiiy t asis It! et i (i new pi ha i vs wc r x ltmti edch nit. !cv 6&uti! cl to In& r-r tfatet&i ilr Mp!it„r&i Ddrty I'r r,irw !kin ,&rvlth I "esiltrsrn ihoti, In Ihi r uno i 0;las i thai irlnpo&fe '„,;!Pt n.r! I ! ln: i!s!(Ii. rget.r vie b !fr i ~ ryde neadrt &!&aPrrwdi Rat& lr lerect(hatgcs!r ii mr 'wiiy Prricd&c ipair* is dk. idim! by wv rttng an Rri "ral" ccr idge (Mte by 8(»» HOW WE ALLOCATE YOUR PAYMENTS Pay&a& i s J ewk&!d!ed toposicc b!anrr s Ifyom c(0!!!&&tip!adlai'!'r&d&!!ital&'I (\HI& it &'vcn! In& ms uni 0! i rn» i vc i! & 0 i I to I v. 'ilat tx!t&»&in!I'. -r w 3 vn ' !owe&!RP!i„:,i&am'rstlwrkdawd r101»ctwnsvidceJne Imsa!Cmvt 1st; ii "i1" wt 'rr .':r trow ",'id»1!w pe n.ri;Dir w&!i bc appl&rftob»drt":. &vi!br»l!rAi'lis IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE 11(iwn &\ „ I,, 9»ca!,P! bi t';r, svi&r!r'J,;.i!Ic !r.' i!ei !fumy» &i "«ou I Jitiw iriir&vltin mrn or!spades!!!Pre Yci inn J w '«' rlc&,iitpirdl 1& &!gal 0&ct f1ay !it'rlr fir y,ii p 0 fviil&ti!'1! w& tds'nr wr i! &1 A tr v iriay appty for r ape ktcB sr vice to carmel. calf us bifore thv sctip&lufvrt k&yrn& nr;fare Bdrra'ay I dvmc nt. rannot Jv ed&'led oi cw&mled YOUR CREDIT LINES Ikr ior. I cr-c,' lire, i p .Jioidn olilpdi!»v& ldb'vr !'r i,& 'i& 'rl ""i 6&" '."aw&I hi!!'I'I!,Ivl!1!w&'I& fiw( ,iii'ik frri!&Pkfvslii(lv»&w t vv,.'tyg&"t(is!idrt!St!,1«nsis,olglli(c.l'AI& iir pi I own IOi(i(iJ Am&; rr. 6&rvv Da O pic (1 SArlw".1 Dw „wri",,;-,, (stt Ad Jnc" (Jmf0, irvf J-dgipbcall, I »ma tmvirv! MISCELLANEOUS &1C'&'d'I J 'f.'AYMENTS &c .- t&v!'(';1 :. !0& i 'f your hitting address or contact m(ormation has changed, or if your addres. ismcorrect as it appears on this bill, please provide at! corrections here ( di i&i ii " i& IC'lwr 'i rxiu1 os It v'&i Ita!J 'won 'I &'. '! I .. I iw I 0 'r!1»I I stt&rtkdedtnorrur IyorkP'»one BaakABteriCard ~ cash Rewards- Bankof America ~W Visa Stgnaturee ~~~ 6978 August 27 - Septemhei?6, 2015 Page 3 of 4 lien acro DBIB Pcsr 4 Sere ei e scene rf'e Dere peen /V rieer Asser r,var 08/31 08/31 08/31 09/04 09/08 09/11 09/11 09/11 09/15 09/15 09/1B 09/15 09/15 09/1G Og/1 9 QIJ/ 1 (3 09/19 09/?2 09/?? 09,/22 0cJ/23 09/?3 09/23 OCJ/2 v 09/?5 09/01 09/01 09/02 09/OB 09/09 09/14 09,/ I 4 QcJ/14 09/16 09/16 09/16 OIJ/17 09/1 7 09/17 09/?I 09/21 09/21 09/23 09/?3 Qg/2II 09/24 09/?4 QCJ I? 5 09/2G 09/26 Purchases and Adlustments QUIK STOP f/0034 QBQ SAN JOSE CA SAN JOSF IAIATER SAN JOSE CA LUCKY 6758 SAN JOSE SAN JOSF CA SILICON VLLY ANML CIVI RL SANTA CLARA CA WM SUPFRCENTER 65884 SAN JOSE CA SliFEWPY STORE00012930 CAMPBELL CA SAFrwAY sroRF 000?Bl rig Los CATos CA OUI I( STOP 60034 080 SAIV JOSE CA WM SUPERCENTFR 95884 SAN JOSE. CA FRY'5 ELECTRONICS ¹6 CAMPBELL CA BEST BIJY 00001909 SAN JOSE CA SAFEWAY SIQRE00009977 SAN JOSE CA LUCKY ¹75/ SAN JOSE SAN JOSE CA BestBuyCom752783019727 888-237289 MN VvAI GRFFNS 42384 SAN JOSE CA SAIEWAY STORE00012930 CAMPBELL CA SAFEWAY STORE 00028159 Los GATOS CA NOB HILL ¹lv04 LOS GATOS CA FRY'S FI.FCTRONICS ¹6 CAMPBELL CA IHE HOME DI=PQT C42 CAMPBEII CA SUBWAY 0038783/ LOS GATOS CA SMARTNFII'lAL53011005303 SAN JOSE CA SPROUTS FARMFRS MAR SAN lOSF CA HOMELAND tiLALIHCAHI INC 2148/12118 IX WAL MART 45884 SAN JOSE CA 9527 014(J 3 2cJ5 0095 2645 2452 211.5 0940 4879 9544 9171 2278 6139 5096 9594 0741 1158 gg03 1466 1?45 1.158 5697 0905 2031 7178 6978 69 /8 Gcd /8 G978 6978 6978 6cJ 78 6978 5978 6978 GcJ78 6978 6978 6978 G9/8 G978 II978 6978 69 /8 6978 6978 6978 69 /8 GIB 7S 6978 21 00 5G 97 15,01 30 00 33 26 7 70 19.80 ?.I 00 27 24 31.58 19 55 10 68 12 21 22 11 3 00 ?? 7? 4 50 1.8 39 73.00 4 80 6.25 CB3 89 7 40 3cJO 00 84 13 $1,060.14 OIJ, 2/I OIJ/2b Interest Charged RVIERESI CHAIIGED ON I'URCHASLS TOTAL INTEREST FOR THIS PERIOD G978 21 01 621.D1 Total fees cliaipeci in?015 $25 00 Total interest charged m 2015 5469 38 Your Annual Percentage Rate (APR) is the annual mterr st rate on yoili account Anriual Promotioiial Percentage Transaction Rate Type Promotional Promotional Offer ID Rate End Date Bstance Subfect to tnterest Rate Interest Charges by TI a II sa c I I 0 I I Type Purchases Balance Transfers Drrect Deposrt and Cheek Advaivces Bank Cash Advances 11. 746V 11 . 746V Cash 16 996V 19 24SV 62,106.63 6 0 00 0. 00 6 0 00 621.01 0 00 6 o Do 6 0.00 APII lype 0 im ton Daiiv ini ri.,i Pv a ryNI V=Vvnatis Pate I,i, nav varyi 171 BA»tKAMERICARD CASH REi'IARDS 10 60 BASE EARNED THIS MONTH 68 BONUS THIS MONTH .00 REDEEMED 1»0.71 TOTAL AVAILABLE VISIT BANEOFAMERICA.COM/CASHREWARDS Ihilhng «r IEfinnn(in » irilicln? &'hu&k n» «nt Sir t AE 1 lhnkuf imcni I rn»t mir I « mi& (inihfl fi»,lritn(h &»mt nn tnp«&&mr rumpntilivr mt&6. &IDt» &in& i»nin ii'it&En ntlnntu» '»'Ith nnr r lsv nn fi &'llpln »tinn., i pi&tv I »I iv il tmnkilt iniunt i & ml Iinl lmi Im nt I rl n» its&infirm&'runnr(tinns intiEht hnngol',Innl 0» Hl . IHiliiiili ~ E linnkur rulirf,in&i in& nln i&i'nnl finn&I ti rl i the, nnlr, t &1 iliinltn tu llcc(ling 11m& rii,i thnin" h nnr Glir,i hli,il filiifrllinl, pn I linnlintnni il( 1( nl, tighth&HIEi I 172 BankAmeriCard ) Casr Rewa.d.- BankofAmerica ~W ViSa SI)&natures MARK A MESTRFSSAT Account Numbei ~~~ 6978 Scptembci 27 October 2t&, 2015 Account Information 11 11'!v Iialikiifiiini'I ic&1 1 iin Mail billing inquines to ii,mk nf iuncricn P.O. )li&1 f)82!?35 i(l i&n&n )X r!)Rph 2&;I& Mail payments to: i)ii (1!( !it r(nli:I'I Ca, V.O. Bm 1501&) Wi)mmgfun ))I". Ii)h&h 50IO Customer Service. I.JO04'?I:?(IO (1 800?N(DII78 'I'I'Y) 7otai Minnnum Payment Duc Payment Duc Date $ 58 00 11/23/15 Late Payment Warnmg: If we do not receive your Total Mmimum Payment by tiic date hated above, you may have to pay a late fee of up to $38.00 and yo((I APRs mav be i(1cipaspci (i(1 tn the Penalty APR of 29 99% Total Mimmum Payment Warrnng. (i you make only the Total Minimum Pa)ment each period, you wiii pay more m interest and it will take you longer to pay oft your balance. For example. New Balance Toiai $ 3,304.18 Current Paymc nt Duc . $ 58,00 New Balance Total ... $330418 Total Credit Line......... $ 16.000.UO Total Credit Available.......... $ 12,005,82 Cash Credit Line . $8 000.00 Portion of Credit Available for Cash $8 000 00 ......10/25/15 . 30 Statement Closing Date Days in Billing Cycle . Pa -'..."'.;,;;;.'-:,--:,:::": ";.:. '. Pievious Balance ..., ..$1,9!J( !J1 I'ayments encl Other Ci edna .... - 110 G3 Purchases nnd Adiustrncnts . 1 391 42 Fees Charged.......,............... 000 Intorest Charged ...............25.48 Only (lie Total Mini!a!!in Pay'incr'it $ 109 00 14 years 36 inoiittis $ 5 793 00 $3 924 00 (Savings - $ 1,8G9 00) If you would like information about cmdit coun eimg services, call 1 BGCv300 5?38 I 8 imriibll Pb!8&C S'8(8'8 I '8 Arcbi I n rp n 18 Py' Pi Nbm( 8& ivus be A ic ' 10/I? IO/?3 10/12 10/23 Payments and Other Credits FRY'S ELECTROIVICS 8G ('AMPBLLL CA PAYMDIT TIIAf)K YOU 3545 ?8)80 G978 4cJ2 3 (0 6) IOO 00 - $ 110 63 0!J/? 7 Purchases and Adlustrnents 09/28 SIAAI'ITNFINALS&301100530 SAI'I JOSI LA 3802 G978 b978 BANK OF AMERICA P 0 BOX I 50I9 YVILMINOTON Dl: 19886-50(9 Accouiit No(aber. ~~~ 69TB New Balance Total .. )otal Minimum Payment Due. P&yini ill. DUC D Itc .. $ 3,304.18 58 00 11/23/15 MARK A MESTRF.. SAT I 455 LUNINO DR SAN JOSE CA 95116 23?5 Fn(pi pa)ii'is(it ainu(tnt 6 ( 88. r i d &ir. ir riic'. 8 8&8 bibipb:88 M Iih&coupon I ns «inyb check p y bi I a h (Amen*8 i' 7B)(s 173 ffkfPORTAAIT INFORMATION ABOUT TH!8 ACCOUNT OEQBD" ltev 8/10 CUSTOMER TIPS FOR DISPUTED ITEMS '1'1'I"'('s din! 1'('3 (f1'!0 &c ad1 'l,lt" (Is»yes i dl (um'I'10&s '1 iy lot fe(oc»&re &bc Bdir "'0 \Pl (i&18»LI.&rkc 1(l ':,»vnr: I lt&cl 'cll vt rih d':xun)gsvdl i'1»k( ! iq& .s &il,m,h,s I & y»n A Pn&r N cnic Iqn 1Nx, r rui r:-r iay!x Irxmrr! r:vu& ~ Has a cred&t posted to your accountl ~ Is the charge or amount unfamiliar& L:r&*vn'I mtr pc:0 is iml mir(&I ln»*c:I-"0 mini lnn ak- s(ire they rid nolo&axc h( t'w 'i: -;.»nl 6 ruimixsnr'lstorectn&esw( I'fei it" ,&s&'((nl cl', nl ''!' ''.&es lux 1tlenf)s .&n;s )8 i 'I pi.,; it(»i;&lr:" i&DnlineBanking i&i r& ll rntdlu ingll r xef) drk! r ss ni).i imnt nl!cirr srah'ncnr o, m(m is &taft Please remember: If you find an error on your bill, you must notify us no later than 68 days after we sent your first statement an which ihe error or problem appeared to preserve your biging rights. ONLINE PHONE ) ! 866.266 8212 MAIL Attn Bilying Inquiries, PD Box 982235, El Pasn TX 29998 11!ner, i t i',,'.. »(3 deVour Name AccountNumber the Disputed Amount, Merchant Name, Transa«tion Date, and referen&e number I thr d souter! &tcmand SPni X rr iail" irrvr I" N!& rr! SOi r n(iudmr'.oarrs uf Lo'ItdLt SS&tfl the»1»&0&1&n.t CI iin n(e&did it 1 i(spnrlsC &ri (aitl &»sin)1m i'tease,r clurlr 1&1 & p)or(in&! 8»&( inr r ldl c-&;ml ica &'ale( mu PAYING INTEREST W'&nl'»0! ih;. Ar.,i mt'&ml& nl'":u&'I'-0 xt Iatr cent irynuiiaytheNewI3alarco ';.ll& n',.Iilnlt c»udT& &(Dile!),(n,,rdvo,,tx Iul, i iufbr thep cvinrsf')ymcntDur'Dl c IV r I" enrl & r &3 w ci&"to&R I n i 'im ';"av'Ct linrNerwr send'rir )m&onckm CALCULATION OF BALANCES SUBJECT TO INTEREST RATE '!u',I'l. I'',)a'I: '. (r':'..',I.'ll.: '.".& I '(r'('. Ifd." fo& PII '.Iul ('Sd&ld '0& I'VI& »1& '0„,»lr, „. urnn! I 0,'Utf rl )dn'' (,l'sisunf!- Pn(hase) VA'dnih &If (alruldung h &:Ll&,( 'ni svl 0; inln hdk-gc,d illnlg Bthc(lnilv!'01)r w luded&er.nni',&33 h», r 1 or:!»Nih (181 iir 1 oy 0 r i(mtt» r, f &Ic,- «'vc billmg cyr lc '; rw ildti t 1. »Sl;0 'wi lc. ro 0 vi&'ll s:,tertrntsbginenclc lv( lt;t)kcthr'.&rc lr, "nut&leg&n 1 ', &'.I'i kris&'xxy Per oJr ~ ttntr 'nrf!&I I&CJ 0) dn pr(v r 1 L v. 8» lv Ix ten((, (!1 & ' n w P!rrtlases new A( 01 I( C ek did net& Tra&nacl on 0'r, ( ilv I .&Il r C-:* r d l,rrdi I( I,.rrPldlyt )I.t, »islr «8 !nmrOW( Av p &Mh reM I& rlrin(lmirng .&vB»hr& r: I:SfersdnllnewcashAnvinrrs3 Nc mk unre.(par lc Bdwr(es Bubir m to an Inmrest fiute fo Balance Ttansfe s Cash ivk( I m 1& (It 'ca f& in&0 IUL10&(' Pro'»otturtai Dffc& 01 ance'c'll s& nil»of Balance iansfr ra &i last 0;;& i (d. 91 .101»nh(;1)L "r„lil gd laity b lmedi rll 8&( Jin (t issL lerner&' '* .: ..& (r &w ",*« t: nn,,n "insl I ngclllr0, rilt&dpi stngcatr willin I&i TOTAL INTEREST CHARGE COMPUTATION Irnr e lc&wrens lt((u irddeumn nc rien;rv»b bmn I(c Irr niic(0 i&rr 1( gita(i as wccaJlintycacl 31101 "N IF(; I( inl "& ., I! &i hv i& c ltnm&t ( 9)i!! I'cr!8 ( 8 (0 ,ii dlhni L(J&&snmll&)l&erl;,, Ih( »»nit err':I, i .'»'i P.(CI( '.,",00(C»1&rrtir;00)'nmi esl Clmrge ior tne b 8mg ryclc Sve dr!ri 1!u'»ri(,x Ita(r mmrcs I I harg('s tngmher A I!! it! Pe&iodic Rateiscnfrulalenbvciv'riin dnAr) &el *', r. (.e ri. lc-bl !&'OWWE ALLOCATE YOUR PAYMENTS Pdyrne1 )de 'In(al 8 tu post rib tdn,es I" y. u ( di i 1 odltixesvii hri&(fd&enr iipfh» ,vr v& l;lllomlr I'i( tn;lint 0! en i& mr r(n. &S.d&», .&0)'Jir "iu&.i P, &. r r I I!&ut'!nl'&c 'CS;APR '":.arn»S I rS(l irl& di '„" iran(0(r„(n r'W& C,&tte I S "at& m ' Iciymr!»(drm&. &ls &n*. &&ssnfmir!Nt'!'Ll»&ii» Pari»(r:P&c vikh(:,",n''rr:hi„;.:-:. irh,-'I'AI'ks IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE pt cwt it( "ivmit x((»d it n &''iitn;1& el r ri, . «'L '.«.', ',':'ru' slur Pw clh&'nloufn11'8'I 0 llg & n'1 I'ill&' . I'\ I! & xi l& C'I \ A)'( '' Ia(x & I '&( I li ()&&I!I&! A rel may apply fo "xpe hmrJ sr'wue Iota(eel c' is b h in rf&v 1 h dul& I p)yrncnt8!tr.-'».nle &lay pny'01 I'l) 'ar&rluf flc cd!teel 0& m&xl'lcr! YOUR CREDIT LINES .rafa!&lnfcrffackiwhdk»d& br»md&I, '".'C, ",& h & cs, us, .'AIM!( I Alv r r, MISCELLANEOUS PAYMENTS If your biffing address or contact intormation has ctianged, ot &f ynur address is incorrect as it appears on th&s bill, pfease provide «8 (orrec u on& hei e "* n) "; lq(* i »is«". vwiny;iua-r snm k,dlnn;.I (hi* erni(td eaddre 1 stlic'(luled too((ur Ar (.Ic\s iddr ", J \'' ' LW 1Voi1 P ion e -- - -- -174- BaftkAITteriCard ~ Ca.h Reverse. BankofAmerica ~W t/Isa Signature ~~~ 6978 September 27 - October 26, 2015 Page 3 of 4 / apsv po& ppsppg Dare Da re Dear scop &V'sr Nep pe A I' I'p/a/ 09/27 09/?8 09/?8 09/29 09/30 10/02 10/0? 10/04 10/06 10/06 10/07 10/09 10 '0&J 10/09 10/11 10/11 10/12 10/12 1.0/15 10/1&J 10/20 10/22 J. 0/24 1 0/ 2 o 10/25 09/?9 09/29 09/30 10/01 10/03 10/03 10/03 10/06 10/08 10/08 10/08 10/10 10/12 10/12 10/12 10/1. 3 10/1 3 10/14 10/1 7 10/21 10/21 10/24 10/26 10/26 10/26 Purchases and Adjustments QUIP, STOP 60034 QBO SAN JOSE CA. NOB HILL 6635 SAN JOSF. CA AT¹I S116 4122 SAN JOSE CA WALGRFENS ¹2384 SAN JOSE CA SAFEWAY STORF00009977 SAN JOSE CA CLASSMATES, INC. 206301 5900 WA CFK&PEOPLEFIKIDERS 800-/188997 CA LUCKY 6757 SAN JOSE SAN JOSE CA SAFEWAY STORE0001?450 LOS GATOS CA SAFEWAY STORE 00028159 I OS GATOS CA CARL'5 JR 7046 SAN JOSE CA WAL.MART ¹5884 SAN JOSE CA WALGREENS ft2384 SAN JOSE CA SPROUTS FARMERS MAR SAN JOSE CA FRY'S FI FCTRONICS ¹6 CAMPBFI I CA LUCKY ¹757 SAIV JOSE SAN JOSE CA FRY'S ELECfRONICS ¹6 CAMPBELL CA I UCKY/t757 SAI&t JOSE SAN JOSE CA LUCKY ¹757 SAN JOSE SAN JOSE CA QUIK STOP 40034 QBO SAN JOSI= CA WM SUPERCLNTFR ¹5884 SAN JOSE CA SAFFWAY STORE00012930 CAMPBFI L CA WALGREENS 62384 SAN JOSt: CA HOMLLAIVD HEALTHCARF INC 2148712118 IX WALGREENS 62384 SAN JOSE CA 2099 rJ 703 6817 /55? 0113 1736 8648 AJ 395 1335 2330 t&728 7951 7 I'bb 8878 3?39 /9?? 5992 4821 2182 b/640 1onn 1321 0145 3bO/ 6014 6978 6978 6&J /8 6978 6978 6978 6978 G978 6978 f'&978 69 /8 6978 6978 6978 6&J /8 G978 6978 6978 6978 6978 6978 6978 6rJ78 6978 6978 24 00 27.03 152 56 5 22 29.33 29 50 1? 45 34 48 5.91 23.35 7.71 127 88 98 35 13.71 103 47 lb 95 78.21 15 09 30.26 24 00 46 62 37 46 39 12 390.00 5 99 $1,391.42 Interest Charged 10/26 10/26 INTf.RLST CHAR( ED ON PUPCtiASES TOTAL INTEREST FOR THIS PERIOD 69/8 25 48 $25 48 ~'~~~".'-t .=...=,'-,-:": Totat fees ct&arpad iii 2015 Totat iiiterast. charged m 2015 $ 2r& (&0 8494 SG Your Annual Percentage Rate (APR) is tfle annual interest rate on yoip arrount Purchases Balance Transfers Direct Depos&.t and Check Advances Bank Cash Advances Annual Percentage Rate 11. 746V 11 ynav Cash 16.996V 19 24'tV Plop&etio&&a I Transact oi& Type Promo l on a I Offer ID Promotional Rate 2nd Dale Bat&nce Subject lo Interest Rate $ 2164C 60 $ C CO 3 O.CD 0. Co Interest Charges by Transaction Type $ 25.46 O.CC c.oo C CO At 9 Iyps lysin tons 0& ly interest pale Type v= v, rianle pale Irate may vary& 175 13./S BASE EARNED THIS MONTH 5 16 BONUS THIS MONTH 159 65 TOTAI AVAIIABLE VISIT BANKOPAMERICA.COM/CASHREWARDS lBi)N)lt r)i rvfil)irr)(rt)E) )vhiil('lt'hv(l()i' I fiv r .\ .i ll)nl; fr)mvvi( ) (ii t )mvt )nil (N')vilnilifEfr)v ) nit( (li'(nnnt rin 1 5) )f ivi (in)H(trtn i it * I' I llv(')6) lll \vltlN)i IB(IIUiv5)i'lilt Iii ('16), I) fr'I'])till( trill) All)if) I )fill\',ill)lr)if((lf)51('ll(il ('Ill)1/l(ilvf)ll)11('111 176 BankAmeriCard Cash Rewards- Bank ofAmerica+A ViSa Signatufee MARK A MESIRESSAT Accoliiit Nuf'aber, ~~~ 6978 Octobei 27 November 26 2015 Apso(i)it Informeticii )i i)'ir fir)Ill( if i)i)pl ii' ('in Mail billmg inquines to B,mi«if,tmciir,i I'.0 II(i(98?:! IJ) FI I)1„, I Y -,r)i)rla? Mail payments to lnnk t rtnimi(s JLO. Iird IGOJ9 Wiiminytiin I )I'. Ii)686.50)!J Customer Service I,GOO. I! I '? I I 0 (I,SOOJI4(Oil iR I IY I Iota) Mnvnvim Payment Due Payment Due Date $ 7G 00 12/23/15 Late Payment Warning. If we do not receive your Total Mirmnum Payment by tile date hsted above, you may have to pay a late fee of up to $ 37 00 and your APRs may be increased up to tiie Penalty APR of 29 99%. Total Minimum Payment Warnmg: If you make only ttie Total Minimum Payment each penod, you will pay more in interest and it will take you longer to pay oft your balance For example. WWM Neiv Be)aries Total . $ 3.741 38 Current Payment Due. $ 75 00 hiew Balance Tolal .$ 3,741 38 Total Credit Line Total Credit Available..., Cash Credit Line Portion of Credn Available for Cosh Statement Closing Date Days in Billing Cycle .. $ 21,000.00 $ 17 258 62 . $ 10,500.00 $ 10,500 00 11/2G/1.5 31 Previous Balance $ 3,304 18 Payments and Oilier Credits.... -1,000 00 I'urchases and Adiustineiits 1 397.30 Fees Charged ...000 Interest Charged............. 3990 Only the Total Mi)1)inurn Pay)april $ 124,00 15 years 36 months $6,647 00 $ 4,464 00 (Savings = $2,183 OOJ It you would like information about credit counsehng semtces, cail 1-866-3005238 11 23 m C ..Dr)D 'm Payments end Other Credits 11, 23 PJ)yMFNT THANK YOU 3030 .1.000 OCI (pip) -$ 1,000 00 I 0/?0 I(J/? ) 10:)8 JO, 28 Purchases and Adjustments ATGT S11G 41?? SAI'I JOSL CA I Ry'5 ELECTRONICS PG CAMPBELL CA 0?23 243G 15? CG 113 58 b'j78 BANK OF AMERICA P 0 BOX 15019 WILMINOTON DE 19886-5019 Account Number: ~~~ 6978 New Balance Total Total Mirliiiniin Palynient Due Pe)vine)it Duc IJ)te $ 3 741 38 (6 00 I'J,'?:I J I 5 MARK A MES TRESSAT 1455 LUNING DR SAN JOSE CA 95118-2325 Enter payment amount 5 Mp i lb s ppv Dipns ih y «hp k psypi)i t 9 i. Di An E,l 7BIfs 177 /MPO/3 TAIJT /NFO/VMAT/O/U ABOUT TI IIS ACCOUNT CI=DPDB tqov 8/! 5 CUSTOMER TIPS FOR DISPUTED ITEMS tv Ji'1 li('I" k tl I'('3 (hair!6 alp k'„.Un dip (tml't('5 ihdt cumx '!'I, I'1y oi ip(:"1'uc I 'I ' 8 &'I 'u ' u 5 11 tu I'- . ll 'I "; '(' i J" 'I'& '! &(& lt& ! Ui& I '( ui ', d ":5\ It„', J " ' '&( &1" I'x)5 x&'I " i wali& 1')I it&spiur dx nx"(I'I'Lp"I '»"»F(,d,'& I I»& Nas a (red!t posted to your account) Pi asr 1''.,ipti &9 I i.,lim&i dip .Ir oi voi r. 'Lvri, .;,".& kin ~ ls the ch)rge or amount unfamiliar& iir:kw& I)air&Dr»Unsaid'ori rxllr)um J paw»U& ttoltx&;,ir r!i "r: I&«'nv '" «&I'Pl&&If . '«(1l'dsl )'e c '"fl.'cil v'!ill '»! dr (!I I " ', '„'I in(I&«!P (&!&5 r' rmpc'p&tsci tc v'ca & a» 1 lio'o(1115 'i tc pi',&, *:' ", &Idle i i':m m f,oua . t(my!cd rDnfinef!anking I cd; Ir iv&icyipi gi& r" Irld ass nn !11 r(ir I p knur Statrinpntorr',&vous,teat! Please remember. If you find an en or on your bill, you must notify us no tater than 60 days after we sent your first statement an which the error or problem appeared to preserve you& hitting rights ONLINE PHONE ~)) . !.866 266 02! 2 )g 5)r tn'i'p . &r il, i cl„-,v Ji i»&irtw i pfripnr& nx !I&&I ~ ) ivdLiif ~I)) MAIL Attn. Bi!Ping tnquines, PD Box 982235, Et Paso TX 7999lt », 'i Jr. your Name, Account Number, the Disputed Amount, Merchant Name, Transaction Date, and reference number of lit( l&'su!'I '8 &fpn1 ax&(f p( . I&it (K'I its I PF11'ciintg VOU( d iso! tt &nrtl itt 1(l Odti'5 of m i& ail virh thp pic ir )ant init the mrrchanrk response in c)ch msrinm Gian'«ktrti d&l sup)cuing docu(1c'OUI!&on, itictilctr'd sat(i 'li(f.'('U I I'. 'i (id(I ai« l'osi j " fc i&&in ' cipl 15 pin 'f&&on L'UFO PAYING INTEREST ktbwilt idtihd RL trlcrc tuiuu«I-Srsoi:I'p»exrstat prnt i(youp y:h li-»pmdr nidl ril Ip I 'ill I)&y u & I Du( Eu&cdn ljoutld(in)id,lt lu'l lid tt)P fi'('I'1,.15 & )ml ('I I )u('(Ll t Vd, v&id!ODnct,imn',inc!a ton!3aiancr Irinsfp. ai di i lia!vdnii t );!;rai"1 .. 1!. CALCULATION OF BALANCES SUBjECT TO INTEREST RATE /Sr'tpi: I) 'I .1!alai'(c Met hn&! !int turfing r r 'pi Pm. bases! A.'l ii..."p.. i 8 lirrl.'..ilcmud" httixrs; itiu fri I'inl.n&5;i/„«; '. 'nt&JO&( '&)mp&rlr& I i! ud'DffPrb. dnle(ru 5&sungutikir(t& ses Ne lui &'.Uy,l (J!II a &'g &rlttl/ii,lr & 'u LUI do'&nl'1'tult&ugc)r'('/!.dlmg BD&c(lph.vlir 5&pft C'' «h)P 'Ii',O'f die'luly U&111 P by Inc I!(1 t)('(Ofd VS&n lti bill!)a &)1 P t. rit.ildtcui& 111/!,ipcfor &err«!,, i'I i.shstpr»cr tst.'&mg(vrl v( D r,.kcd: ",, r n 1& 11&» '.'A,ii,,mrna tp i&milu:I „ppli,« t. Daii peuo i, &4(( 1: Urii:sr*:, f i«I raved (a(so Ivy;i rxr iildrldne&PJr(f&dscs newA( nuit'q sin-;.w I )ass&!en (& «PI I !i Si. Fr 1(1 &fd)lu,&'/p o&im ( ts;,( &t i rediis I /iriap, Gd, (( M t mdlrrirkr!inpn wgatance (roofers n !newt !5 /'vai r«1 Np (alnr 1! Si parole Baarres 5(biect roan interest R)te fo I!alar (c frdnDpm ( ist Adi in& 'r d tm i ach fotroducton ( r Promouonat Offer ba )nrc cnnslsrmg of tiak iicc 'i)is&( r U'(dst)Arts'd&' ~ tvd to posh/ il!rai«latrngddddvb'tdr(aid ra'hd /&nit'p,s« pine t, v &tc;ii .! Isl«orlop('t or I) I is &i, r'1 I'!sly&hug(\i!pi) uv «'1 1 pris! dm!,I t TOTAL INTEREST CHARGE COMPUTATION i ~ l- psi C".i imd, id irrl . p(mpopnuqrl or& ddMybasis lad ti minr rh 'rir st (&1 '"',cs & c I &L ii I! d I'l)4'I '( Mlt I ct lo k)I '( t R ti'v tts kif 'r )flit Barfy Ppnod c R u( ,5 .'!.&m& ."5& I is miik J'ierl „,. &Ii( r1n I p (! days» tt)r bik!ne.,dp!U(!( I "rrir r I»( miy I»m t".1,il )rpm fo;!'ii' i tv& 'yctp v p «lrl t!is Pr npdic Rale mr ores i i barges rogp uter /'!aili Pr odi( (!mr .- JtrUDO)b, Dv ti» „»Arx ial, r(n!age R &a bi 3f)5 HOW WE ALLOCATE YOUR PAYMENTS dyl I "'.''(''0'pJ!U j i" li'o U I vice' j'U dcc I (&i i&as bdlapces imlh d ffet en!/&PRS '&ill;" ro I'I, 'n '&. I ',U 'I tu t'u'«lt IAUU( I'a Odbl ('I I 31'P ', II '„:. («p f ' ri(t ch v! n ', it ir)5 pl)I c Jilc't is 'tcnlcru; Pdyr vr'I 1( iol 1!' p: 5 ( i ..'. r ':;,*.' i "1 i m p'.; i !ru f1& p r I I tip aripkr d to I ); r c 5 vir I )'p sr /if'its IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE Pn 'PI I t »I I ! 'Id(«U I I fuc "11&(i I I ' I I on vol dlc'in'll 'PU '\ !is& li'I 1 oiI&'l I (I! .. &0 'I»l ug ' i(l 31)'n& I I Of )' I&or('on 1 C 1 I I dsx Or \mix I)' Oi( A'ep !nay apply fc pqiel red se«icr. in(an(el.callus beforert!ps twrtutrd p!ymcntd;le' 1* o '; p IS(rip&us i Jr&i&at t&c Lot!ed o! cantata(i YOUR CREDIT LINES ki-".Aih: i p .'(r: p/ly fi(mt i i 6 iidvdxds immsi o'/3&it (asti!& tv& r, &, ii J, ', (3;mmiyn«r 5 1""r tl) 0 '&r &)sh/Irl(ar:i)i:ir rn"., MISCELLANEOUS PAYMENTS If your billing address or contact mformat ion has changed, or if your address is incorrert *s! t appears on !hi. bitt, please provide ail corrections here. t)li,!ip't 5"r'ip r'Um nvcl Up&Pi'Icr,;thol(1 Can(ace«m&ctirur I!C d!.". s BankAmeriCard i Cash Rewards. Bankof America ~W Visa Signature" ~~~ 6978 Qctohei 2i'¹ovomhot 26, 2015 Page 3 of 4 Vere Os re Oesr: pi, ner»e ce ar»e t &V i»de N r»de sl)r'»ior 10/28 10/29 10/31 10/31 1.0/31 11/01 1 1/04 11/04 11/04 11/04 11/03 11/05 1 1/05 1. 1/06 11/1:1 11/16 11/17 11/19 11/19 11/19 11/20 11/20 11/22 10/30 11/02 11/0? 1 1/02 11/02 11/02 11/05 1 I/05 11/05 11/05 11/06 11/06» 11/06 11/09 11/16 11/17 11/18 11/21 11/21 11/?I 11/23 11/23 11/?3 Purchases and Adlustments LUCKY 4757 SAIJ JOSE SAN JOSE CA OBLILLY AI.ITO 000280IJB SAN JOSE CA WALGBEENS ¹33/8 SAI&f JOSt CA WAI MAR7 tt5884 SAN JOSE CA REST BUY 00001909 SAN JOSE CA Ct K'VLOI'LEFINDERS 800 7188997 CA QUIK STOP ¹0040 tJBQ SAN JOSF CA WAL MART ¹r884 SAN JOSf CA WAL MART ft5884 SAN JOSE CA WINCHtSfFR AUTO STORF SAN JOSE CA SAI EWAY STORE00009977 SAN JOSF. CA BFVL BLV'S FABRICS SAN JOSE CA QI.ST BUY 00001909 SAN JOSE CA SAI-FWAY STQRE0001?930 CAMPBELL CA LL&CKY it757 SAI'I JOSF SAN JOSF CA WALGBEENS 42384 SAN JOSE CA WM SUPFBCFNTER ¹5884 SAN JOSE CA IIALLMARK CtltAIIOIJS ¹58'I SAN JOSE CA WALGREENS 42384 SAIJ JOSF CA I UCKY ¹757 SAN JOSE SAN JQSL CA HAf LMABK CBFATIONS ¹589 SAN JOSE CA SAI EWJ&Y SIQIIL00012930 CAMPRFI I CA WALGBLENS 42384 SAN JQSL CA 5835 5654 28/6 8360 34o9 3031 4984 7300 0942 0297 0105 7410 3415 1037 9800 4856 0818 634? 6998 211G 1791 2689 5076 5 43 49 88 21 ?9 63.30 38.01 24.95 ?? 00 101 43 580 39 52 4 98 7 82 53 23 16.64 41 98 35 12 71 54 BG 00 51 86 133 28 Bcd 31 108 49 59 50 $ 1,397 30 Interest Charged 11/2G 11/26 INTEREST CHARGED ON PURCHASES TOTAL INTEREST FOR THIS PERIOD $ 39 9Q lotdt fees ctieigert m?015 Iolol inteiest ch,&t¹erl in?01!& $25 00 $534 75 I'innminl &t«in ' irt Ici h t'&&if t I in h. - Ii«n in& t .i.i *I I» alii i&J(iittl I'&it&grit«lnrtrn 'rmr I' mt I'rr'&lit I &mit lii hr in metr» &rl I i 8!It&&&flu(t 179 Youi Annual Percentage Rate IAPR) is &lie annual interest rale on youi accounl Purchases Balance Transfers D»rect: Deposrt rind Check Cash Advances Bank Cash Advances Ai&nual Promotional Percentage Transection Rate Type 11.79AV 11.79'IV 16.991V I 9 . 2 9 AV Promotional Offer ID Promotional Rate End Date Balance Subject tc Interest Rate $ 4,001 95 $ 0 00 5 0.00 5 0.00 Interest Charges by Transaction Type $ 39 90 $ 0 00 $ D 00 $ 0.00 Apn &&or Dotnuuon Oai&y &ntoi 9& Rate TyP V= Varrebie Rate (rate may Varyj 13.97 BISE EARNED THIS MONTH 5 95 BONUS THIS MONTH 179.57 TOTAL AVAIIABLE VISIT BANKOFAMERICA COM/CASHRENARDS ,,':,'.'-.:..:.:IR ' Hiiymg rn r( fiiu&n( &nf a v( hirlci& ch(i( k us ont first. As 9 I tank of Arn&'t i(ac CI&901&nc&1 en&i I&191'iiiiiiifv fnr 9 rate &l&straint r&n t&$& of nur cm&q&et&nve rat» s. Ii& t 6 rlcr i. mn ir&rhm m&nntcs iv&th cm &nay, nu fec npph(nf&nn. Applv tu(knmir 5 mlrnf'uticr&(a cnm/I &vt&i&vn&cn& ,in&n &ie,mil (ltl:I» t & tii ht Ailjg m Afnca. Tluinka tohfc&h&u&yng mi&licin& the(cue&see little as.'I&7 cents a&lav,,i nu rhm ivith 111V rm &v& l&irth rii a healthy, I III''rcc I& iln I c ii n mdiv,it I& inknfnmcri& n cnm,':110gf& ci 180 BaftkAmeriCayd Cash Rewards- Bankof America ~W ViSa Sifynatufee MARK A MESTRESSAI Account Number. ~~~ 6978 November 27 - Dei:ember 26. 2015 Account Information: iiivii. 1)sliltiif'ii)'I 'I'list,iiiii) Mail bi))in inquiries to: fi,mk nf Rnwnca Itt). Iiiix f)828"5) Iri I'. i TX 7!)!)tl8 lV..'IG Mail payments to: )is nk nf Amonca, )LD. )inx ]50)i) iyiin)mpym) DKI!)886 5010 Customer Service I.JOONgl gi)0 I 1.800.346.',)1 78 'i'I'7) Totat Mirmnum Payment Oue Payment Due Date ..$ 9G.OO 1/23/16 Late Payment Warning: If we do not receive yout Total Mnumum Payment by ti)e date listed above, you may have to pay a late tee of up to $37 00 anti youi APRs may be inci eased up to tt)c Penalty APR of 29.99% Total Minimum Payment Warmng If you make only thc Tots)Mmmaim Payment each period, you will pay niore in interest and it will takp you longer to pay oft your balance For example: F~)'i f '+La I'.*„'a+$~98'!7"v.'.".'w!;'sakkt kg+i 1)HQ wmyk8': ss';~ New an)ance Totat . $ 5,095 06 Current Payment Due . $9600 New Balance Total $5,095.06 Total Credit Line, . iota) Credn Available... Cash Credit Lme Portion of Credit Available for Cash Statement Closmg Date Days in Billing Cycle $ 21,000.00 $ 15 904 94 $ 1.0. 500. 00 $ 10,500 00 . 12/26/15 30 Previous Balance,.........$3, M1 38 Payments and Other Credits....... -501.20 Purciiases rind Adlustments.... 1,808 39 Fees Charged................................... 0.00 Interest Charged......................46.49 Only the Total Mimnium Payment $ 160,00 18 yeais 36 nionttis $9,420 00 $ 6.084 00 (Saw ngs = $ 3,336 00) if you would hke information about credit counsetmg sennces, call 1.866-300-5238 ra aaaa Darp Pcavild Dale Daaafiail fi r i 1 0 ar xi 12/22 I 2/24 I 2/22 12/24 Payment and Other Credit" PRYMFNT THAI4)& YOIJ WALGPEENS 423S4 Slu) JOSI'0422125 . 00 00-I 20 -$501 20 11/25 .I 1/27 Purchases and Adjustmonts HOMFLAND HFAI THCARE INC J)4 871? I )8 iX 504 ii 390 00 I 978 BANK QF AMERICA P 0 BOX 15019 WILMINGTON DE I 9886-5019 Account Nuinbet ~~~ 6978 New Balance Total. Total Minimum Payment Dire I'oil)le)it Duc D i c'5,095 06...9GOO 01/23rlG MARK A MESTRESSAT f455 LUNING DR SAN JOSE CA 95) IG-2325 t ntr r piiymciit amount 5 M I ii cc pan a)end in y «I k p y si I* pant. Pi 4 E,9 78)i ~ 181 IMPORTANT INFORMATION AE(OCIT Tl /IS ACCODA(T CE0202 ftev 5/15 CUSTOMER TIPS FOR DISPUTED ITEMS ONLINE ni)1')I or I'I'I( Li .! "I''as a rredit pmted to yorir 1(cotoit) 'I 1 re 11el(I, ' Is the charge or amount unfarriiliar7 I neck wrhe I r" p;"em(ed I "unite.de.( eawerx! n» L 1& rr!'i;, )i lnol mal( umr &r ,', &!inr fw:;, i:, tr i '(! i0nfinel!anking ! &L,;'uc'lu&rg'I exch xlu rwra&:I&efm((. !;u( c(a(c DL nc) s(L(.'dLI'I Please remember: If you find an error nn your bill, you must natify us no later than 60 days after we sent your first statement on which the error or problem appeared to preserve your biging rights. PHONE ~) 1 866 266 0212 fel:li" t haIA I MAIL Attn: Billing Inquiries, PD Box 982235, El Paso TX 7999tl !Cowi v( I nd I,kc.se r,r 'I (I(1 Tour Name, Account Number, the Disputed Amount, Merchant Name, Transaction Date, and reference number ' tl r (I )or terlitrrr )iid »Pi W( nr t ilc i;v;la Vordd rote inc(rr! &PC)rn afro(liar I with !lie i ir rchwit &rtr! tht met(Atm!1 re pon,e ii(or km Ia rr Pl se mrk)desi(s))p» mr;„r'rxm . i ml; n L Clara, c k* „ i I (r( vo("n I con! dc(encl pr&c, (', 'I u I((«',, I ls&c p (. *,I, ir PAYING INTEREST W willrw! i(i:„L (nlcrcst u)uu clmce ui'Iv "e,t ~ let(sr &'(ilvounayd)e,lt .vg;,'area (oral xi lull(&1 0 e Pap&irr r Du( 0(cccr&! Tr('tml i ar' I, " »I rlie pcvm( I)iyn'('& r 0(ie 0)'c Wavi'"pm(I,1pt -inerecr )(',Icn: 'i "c; 1-,(mI'iA"vrn e, &1(,r ur in),!Ne CALCULATION OF BALANCES SUBjECT TO INTEREST RATE In(t(idur err o''rn(1 ( 0 ()a'Offer I .,.u(('ux'(((&I!(" Purl&J'c W'o! in by ( i'ra cul)t np r(isr!NI d)e,u &of !'' I)rlvbdtmrrcbv(': ii":,0'tof '. Lie('irbrl'iic!A r the! revm &1 eays 0 Iv balm&cr. i'!0 ta n . ~ Jrc»r cs new Ac(ow&! I cw, nr(nim lraricv ron Ave& 5'(Nlwx r I te! iud I nrk dirip n. 1 Pdlamr I «; . rer „(i I nr v) Cas" I'ui err e)! Wr mk &aatr r parol( 0)'arras.'I I lr ct (o )n Inter(sr ll)te 4 I!alar re Trai&sir (s Cash Advances aid fo cack introduc(orr nrpro(&nliorw(L1(fer J&anrr)r)i)cis(m .'Baler)ce ransk ra Or(d harlV r re Vr lr 'hich;I& d rldlnp) l»lvbil i rC'O rdchnd/&nit i»tt..(rmrxt, TOTAL INTEREST CHARGE COMPUTATION k&fe e)1('11&(ges )LL'ui x'3 1'e I n&f'o&'n( 'den ' ')'1 1 . ('0 I ((le I'(I'!(»(»1 Clid rr'svren&u(t(klyedcl&B&lwi r Sil r(1 talma r" (I! (r hmt a)p JI Bohr(mr'.:f'iu ,I xi tom mci it &1 m!ihmlmrl u! )h r'& n((( ru(lb: th Inmre!L&fmrge far uie bi((vip CyC(eLVe drlu tie i'irr»!i; li)u mmrmi(! rg(W tn((&car Ark. i! Penodic I .)tr Lc i, Icukl(": b& (',(vxkl'I w) A lr,(.li ». e:Ia, (im& i&1 HOW WE ALLOCATE YOUR PAYMENTS Pavrnen 1 J e d'Io d!ed ir) pos!er! 1 adnr (rw I! yuii art, i i( Iiac ed(dr Lr 1 I) I;, o ffe& r 1( AP!11 vn,vil )llncdl" t c m o Inl e,'ron."„'pre): eq wl(. 1 .;,' msur Pwir 1uc:n" ,'ore& /\np h: d(, e fr»(i('&rl»dv)g tr(ns)tron» r"ma.cat!a "ic:.Dlc i» r'. I"2'rt,1(nm.nt n;,(r = nt vc ir Baal i»1m»x n Piyrwri; f)I civil!ir d&)»rsl (n tv '...:" v(:I I tl'( /6'Pc bernie I:I x'(Ls vdt&& lc)w ., A .ii IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE fmtr & I ( I ('1 &One(COunt 111&( in)1(IVI n'u u', .' C'I:«" .,'",) '('I ,. &&nrlfu d(nl;IAIngnreaCA f»n'n&en! Iur!expel ('(r&O'I &cl. Vnlidsrm Cr .X IL 'd(ur(iu& I'(camypplyfni expedited sirv)ce Tocanrel mdusb for. the s lmlulitlp)ymw&t r! te "„.me oak ls)yments cannot tic edned or n& eleri YOUR CREDIT LINES MISCELLANEOUS (' w P, ':),Id, Ji PAYMENTS I i.. Inc (Ia, 'cheduled io occur If your biging address or contact information has cfmmged, or if your address is incorrect as it «ppears on this bill, please provide ag corrections tiere vvoicl'loco BankAmeriCard Casr Rewaide- Bankof America ~M ViSa Signa(utes ~~~ 6978 Novembei 27 December 2G, 2015 Page 3 of 4 /'8 0 I /8/8/8 l '8 4/c)8 I., lc evsc eve W /le' ll/,888 /cia/ 11/Ã) 11/?5 1 1/28 11/30 12/02 I?,/0? I 2/03 12/OS 12/10 12/10 12/10 12/13 12/1. 4 I?/14 12/16 12/18 12/18 'I?/ I 8 12/20 12/21 12/22 12/?2 12/22 12/23 1?/25 11/? 7 I 1/2/ lf/30 1. 2/02 1 2/03 12/03 1 2/05 1?/10 12/1 1 12/I 1 12/11 12/14 12/15 I 2/16 12/1/ 12/19 12/21 1 2/?1 12/22 12/22 12/?3 12/24 12/24 12/24 12/26 Purchases and Adjustments ATGT S116 41?2 SAN JOSF. CA QUIK SI'OP 60034 QBO SAN JOSL CA IVAI IVIAR I COM 800-cJGG) 6546 AR LUCKY ¹757 SAN JOSE SAN JOSF CA CFK)PEOPI FFINDFRS 800-7188997 CA WM SUPERCENTER ¹5884 SAN JOSE. CA SAFEWAY STORE00012930 CAMPBFLL CA TliE HOMI DEPOT ¹1009 SAN JOSE C/i WM SUPERCENTER 45884 SAN JOSF. CA SMARTNFINAI 53011005303 SAN JOSE CA JACK IN I'HL BOX 42G CAMPBELL CA W/ILGREENS 92384 SAN JOSE CA SMARTI¹FINAI 53011005303 SAN IOSF CA BIG L07S STORES - ¹4261 SAN JOSE CA WAL.MART ¹5884 SAN JOSE CA JACK IN THE BOX 42G CAMPBELL CA SAFEWAY STORF00012930 CAMPBELL CA WALGRFt:NS 42384 SAN JOSE CA QUIK S IOP f/0034 QBO SAN JOSE CA MCDONALD'S F41IJ4 I OS GATOS CA WALGRFFNS ¹?384 SAN JOSE CA DOMINO'S 8581 SAN JOSE. CA LUCKY 4757 SAN JOSE. SAN JOSE CA WALGREENS ¹2384 SAIV JOSF CA HOMELAND HEALTHCARE INC 2148712118 TX 5523 5502 3542 7590 6826 1159 ?616 2482 0183 5423 1168 9014 5510 2893 7242 3470 1?04 5008 5202 ?306 /81? 4884 1728 ??03 5031 152.66 ?4 00 ?81 08 28.5IJ 24 95 Jl' 73 ?) 35 18 IJB 65.14 21 10 6.63 27 73 13.73 25 00 65 36 5 33 56.57 7 28 23 00 10 54 33.09 B.G9 1.3 66 31.05 393. 15 $1,808 39 1 2/26 Interest Charged INTER( SI CHAftGI D ON PUPCHASFS TOTAL INTEREST FOR THIS PERIOD $ 46.49 Totnl inteiest charged in 2015 ~$ 581 /5) Ycui Annual Percentage Rate (APR) i ttie annual interest rate on youl account Purchases Balance Transfers D)rect Depcs)t and Check Cash Advance- Bank Cash Advances /ainus l Percentage Rate 11 744V 11 74'IV 16 994V 19.244V Promot on sf Transaction Type Promot onal Offer ID Promotional Rate End Date Balance Subf*ct to Interest Rate 64, 617. 79 0.00 0.00 0.00 Interest Charges by Transaction Type 646.49 6 0.00 9 0 00 3 0.00 AI'p Tvoe Der niuon. De,lv Inl r sl pal= Tv'= v. istic saic frat- may vs yl 183 16 00 BASE EA101ED THIS HONTH 6 40 BONUS TH1S MONTH 202.06 TOTAL AVATIABLE VISIT BANXOFAMERTCA.COM/CASHRFWARDS li )Irf 0)l., &DH Hlijl I I i&It uvt'01 tirltifit it&& 11 . It I, fliuvf&,)rill r&i F I IuY'ti 1 uii')ll )0&')iliiilr'I, vui &it Iirirf i)l Ufi&121 fit&i'S 1)t) tr) rlatv,,fRSt fr 2 iu tri tlllfiiir tl &IIfunx ir i)inf i fiunvvx i curn, i) tu I'mfifv S R& ttin Y)II&f 1)t)&L)tvu)ithm tf)r)t hi &h in vri. HIY Yvu tii Su&10&, fi tpvllvs, &tv&fit nil'rf Ytutr Invnt. I xfNY. IY)01'rvnt Bulitirniu)ri. iD& filriv & tv&fit 1 ini l»YHI& Hf rfvtnifs, Hvt Hp Ift'I tu fu Yvnlulrf Y00 )f p IRHli Df &lilt'f II&'6 Ir) 60'Ilu)101 01)1'HitvW tuE BI I ) tflit)0v fL)ill&&01',,ll tilutu)filllvi'll I rniil u)rf)Y. 184 BackAmeriCard Cash Rewards- Bankof America ~W Visa Signature- MARK A MFSTRESSA I Acrouiit Number. ~~~ 6978 December 27. Ianuaiy?6, 201G Account liifcrniaticii ivii »i' M nit If, i i it ' 1 i i i In Mail billing mquirres tc B iilik nf,t Iiii'i li i I'0 iii x!)C.',GS I?I I'. i TX nu!Ih,i:;!3 Mail payments to. Biinii uf itnici'li i 1'0 IM» I»OIB Wiimmgtnn DI'. I!I»8(!50!9 Customer Service 1.800.42 I.? litt ( I SOOJI4tv,,'n i 8 'I 'I'Y i Total Miniinum Payment Due Payment Due Date $ 115 00 . 2/23/16 Late Payment Warnmg If we do not teceive your Total Mmitnum Payment by the date usted above, you may have to pay a late fee of up to $ 37.00 and your APRs may be increased up to the Penalty APR of 29 99% Total Mimmum Payment Warmng. If you make only the Total Mmimum Payment each penod, you wdl pay mote m interest and it will take you longer to pay off your balance. For example. Npiv Bsbuice Total $5,c?47 44 Current Paynic nt Dire ..$ 115.00 Previous Balance Payments and Other Cteikis Purchase- ond Acliustmcnts . Fees Charged Interest Charged New Balance Total Total Credit Lme Total Credit Available Cash Credit Line Portion of Ciedit Avmlnble for Cash ... Statement Ciosmg Date Days in Bilhng Cycle . $ 5,0cib 06 300 00 1 095.4/ .0 00 56.91 $ 5,94/ 44 $ 21 000.00 $ 15,052 5t& $ 10.500 00 $ 10.500 00 1/26/16 Only the Total Mirnrnuiri I'ariiierit $ 198 00 19 years 36 monttis $ 11,122 00 $ 7 128.00 (Savings - $3,994 00( if you would hke information about credil counsehng services, call 1-866.300-5238 ra Mcicll R'ci a Re(ere e xc cpci i ic 4" .i Payments cnd Other Credits 01/22 01/2? PAYMFNT TIIANI! Y(iu 3098 -$ 300 00 Purchases snd Adlustrnents I?/?G I?,?8 Bin I OTS STOPFS S4?i»l SAN lOSt CA 12!26 12/28 ttgi S11b 4122 SAN IOSL CA 064(» 2068 ,i 0() I!»? 6 i! I 978 BANK OF AMERICA P 0 BOX 15019 YYILMINGTON DE !9686-5019 Account Number. ~~~ 6978 New Balance Total,. Total Minimum Paymeiit Due .. Payment Due Date 947 14 115 00 02'I'16 MARK A MES TRESSA I 1455 LUNING DR SAN JOSE CA 95t 18 2325 Fnter paynieni aniount 5 Me(the cvpcnelcng iihrc» erie kp yehl t Bank (A ce E 'i Vatic 185 IMPORTANT flVFORMATION ABOUT THIS ACCOVNT CFK)DP Ike«8/fb CUSTOMER TIPS FOR DISPUTED ITEMS 1'I "I«v(" dlx').'Miff« !'IP k'„ I('",n('&I .Igv (Ddt Li!!'1l &vis"» lr' nu",i '.;' r w" tr" fk"n p. "!I& d;I,;rkc xvr,ior')vip'1(lhdl v(!i«!" I/dim& lid-; -~ &1vl:k V (I, l,vv! VV pi!„&0 v& 0 I ". ril'r)ivn;!&Vl i tncl I'r hxi,(&" dr SV JO!r 0 &", 0& )INCP,; ":,',": ', 'ui At!'flin IM ini fh fnsnlolprui « "nr.;,!»11!did.n& ~ Nas a credit pos!ed tn your account) Is the charge or !mount unbmiliar! Lm,'r).h-:I f" 00 x()&&0 nl r i)!C llr) ti c;I ",.1 couriinm k'sure fhcx oidnnlnl k: "IC)) v". '«0," In I c ( 'lL LOCI wntl LI'1',Idi l ha(des Ci )&uk (N tffls OI I'('' t(II Bc I 00!Bhleganki'rrg 1! I c'dc'y)olin Iu if&g hi'w .Irlhp 1& 0; !I 'Irr r 10;;:iir star! nrnrr: vive us )call Please remember If you find an error on your bill, you must notify us no later than 60 days after we sent your first statement on which the error or problem appeared to preserve your bilhng rights. ONLINE MAIL Attn Biging Inquiries, PO Bo«982235, El Paso TX 79999 , 'i,!v your Name, Account Number, the Disputed Amount, Merchant Name, Transaction Date, and refe!ence number PI thr ."Spi t«fili n .) id,.* i i& r!rial rrr, rfl 0 y(»rrdi nurv n(iud !pc)ir( Oftlvlldifvvnhif'f'I'll'IC&ldin!'1(lihf'C'(&t)un tP&poll&i'li!C'10)IPS(ii&CC'i* nt!ulcal,iptl !ingr';cur&vrtd!rn ir"lii'ir„sale !Bcr &dt '!C(»n)" 'Cf I IC', I jlo&& ri'i)i' ' 0"s 1& 0!L'0 )f fx'lx«LPO PAYING INTEREST 'Au&v f1 ml'ih'lgi'f(1 SIC I('J: Ix '»IVI'I'Pn Xf&la&P('Pil! I 1'Clilf)di'!h I&'OVBJ'OPC. ", ral: i '„I I,;I 0,;*)i" I iju Ddir,dn&l vou!&, dria(cl ri tu'I by the pmvirdn p)ymvnr Duet!i c W .,«'On&in&pfnf 1 )«cttivigdipnc Iravs',"samiC&sh ti!rara .Ond rv&r,v!ini(!1( CALCULATION OF BALANCES SUBJECT TO INTEREST RATE 0'P,il Lf, ni.'...'I'I '&(C'S &0)Cf(0 «iknP fL) Rlif'ff1'!I dsi'xm«liol vd(tl I)NM(mc.v.r '\r 1) !or''f!Ifprbldrrecul'slsilrlpn!I'urihd&e& Wpdoihv by tli(llrilldiifig r,,'(;5 "mr hilti Brj r ON)dliri dgthr Wiihh ldr«" iogvrhc nilr!I ni" "'liiv ndi. )rsl&fili& nurrt«of Iovsin We bill«)g &yr!e N.l riin «1111)d;; i), m rifi vm:I «x( ter&( «'sly!iigrv&lc '!c,(1:rvki thr ! 0 i, id I r vf PI C mk D my Pr:" ) i . Ildrr 0 ul &if!iml by ili( P VV«v! r.'";S'' V bod te,(f! 0CiJnC 1 Pur(h«SCS nCWANOunlfeeuandneo Tran&aC(mri )Lk rmv:,&I . I(imf&is rlrinxd«IVI&)la r i&fr &;I Jn, I'im dc. It!i««e!2 I) di«NILO«&gn vvg lance Ti i ster andnc&&ca&i Itnv nre Went mare si paiaic 9 'ar rcs bublect I* an In!crest Rate for Balance frdrisfcrs fash Advar» ps &Crt lor r v(n lntrcducti iy cr Promnuonal Dtfcr 'ance p)nsisting cf B)lance mnsfr rs lax! A V)J '. 'r d lalhi h, iiiCJ'rdlat ngdg&rtyb l)nrelOr r'I hr! V inrt ix I fririer tv V '".-. gp:Im I)i'v";idi)&v (nfrum .a»!Irtii TOTAL LNTEREST CHARCF. COMPUTATION Ii)fr p! C I&:„c 1(( 0( dr i )au nioo«)dlvdl f1 td iiyl asi& T'(pumninl'tile '1(&( si t)mgc')r i »,ltiol em« B)Di PSib milo In'wr;! fr ic fr()I&. )piic lm D)iiyPproA(l',u ,) «I!h I '"Li if& m! I" lu Il:;nfl "i «';ll',"- 'itf1 1)'inc& cl lnd t& rrfr'r ini 0 1'n:-.re!Ch.rgrto; pi mlh rv Ic vc icrlr!i('P(rmOr Rir more !f1 rgc& mgcmrr Atliil& incricd cold!& -,I( ilaw bi".!!v '', ran "i!i"'" m rde Ildtct)vgf 0 HOW WE ALLOCATE YOUR PAYMENTS Mvmr. i(La & "f i)1( 0 it) Imsir ri Oa artcc! If you acmdti& im& odldme& vriih 0 fferen! RPt!s nvvm, '0('rt "9 u"«(I vl, &r( Sx m(n: pvr«I)n, v !)I fd«ti'nui ) f'vx;- v L I) ic in!i v l)»rm(AI&ll';,ir cs Ii mm)rl !i (9;;&,-ctdns r «&catt( 'I rs '!(em i I''& rnir (sino& «is t ws; '::,.'J,-f r» ";y r m '. I'«' i!I ti dr ) (cl to t p,& fvx v«:t I rl (r fxl'Rs IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE pii ipl'I x 1&»IP (Jcm&! I'' fn:'I '«'0 '(1&"I dvslx'«eye!)'n! &I CLI & vi) lfnof fl *ndmuilt 0 '01 1" n''. I (yu)f i lo «i!f1(1 '(C'& ll J & t l'Si 'Ji ij'' I olf lit!of& A lap ma; ai)plyfc(»pe Ii ed Rivi p ocdixel cpitusbpfmeth& sctwrlule Ipdyinimifatc file 0;I f»lv!OP(lix (,u«'01 )f''(,'f.'&1 )i Pf1(C'tLd YOUR CREDIT LINES MISCELLANEOUS L PAYMENTS .iL! C "v(L.'a '5 (Pic L& ) (is!'1&!to&0&d J Jo.n , io ... ':: »,; rpur; i)vv, 01 "0 tnorry ilmrvn nader .„;, t c 0'.r irstal '.1 '-'Pis -" ('Ihvr) I (tC 'flml 10&«1 1) '. Iif' '0 tln ."''kiri«» If your biging «ddre&s or contact information has changed, or if your address is incorrect as it appears on thi bill. please provide ag correction tiere f 0) p«L I'l(11 ) 0 e!(Pr ", &L)fs&c!It!&nle)Lithic; bus )('sx':.i)r tore 1 n'," i(or Idi)L odrinfrlt 0 s(hvdL)ted 100LLL)i Wo(«P)onc BankAmericard Ca.h Renaidre BankofAmerica ~W Visa Signature'~~6978 December?7. Ianuaty?6, 2016 Page 3 of 4 riel 'rice De Ie /'usl / Dere Derunpuua Pe/ere a I um N nice Null ue aei e! Ia/ 12/2te 12/31 12/31 01/01 01/02 01/05 01/05 01./07 01/07 01/08 01/12 01./14 01/14 01/14 01/17 01/17 01/19 01/19 01/21 01/25 12/31 01/0? 01/02 01/04 01/04 01/07 01/07 01/08 01/11 01/11 01/1.4 01/15 01/15 01/16 01/18 01/19 01/20 01/21 01/22 01/26 Purchases and Adlustments LUCKY ft757 SAN JOSE SAN JOSE CA SMARTNFINAIC3011005303 SAN IOSI. Clt WALGRFFNS 92384 SAN JOSE CA LUCKY ¹757 SAN JOSE SAN JOSF CA CFKrPEOPLEFINDERS 800.7188997 CA I.UCKY 4757 SAN JOSE SAN JOSE CA LUCKY 4757 SAN JOSE SAN JOSE CA W/IL-MART 45884 SAN IOSF 0/l SAI EWAY STORE00012o930 CAMPBFI I CA DOLRTREE 3823 00038232 SAIV JOSE CA LLICKY¹757 SAN JOSE SAN JOSE CA WALGREENS 42384 SAN JOSF CA WALGREENS 42384 SAN JOSE CA I UCKY 4757 SAN JOSE SAN JOSE CA WM SLIPFRCFNTER ff5884 SAN JOSE CA LUCttY ¹757 SAIV JOSF SAN JOSF CA WAL MART 45884 SAN JOSE CA LIJCKY 4757 SAIV JOSE SAN JOSI. CA QUIK STOP ¹0034 QBO S/IN JOSE CA UOMELAIVIJ HEAI IH//ARF INC ?14 87 I?118 TX 8643 7288 8924 8182 2744 4439 4496 5813 0075 0003 CI?90 3646 3729 3223 5?56 /880 7531 2?22 /287 /93t'I 40 68 ?5.20 16 60 2/ b1 24.95 50.10 9 62 39 42 5.45 4 19 80.51 6 16 13.08 25 13 30. 38 9 60 58.10 9 98 20 00 393 1.5 $ 1,095 47 interost Charged 01/26 01/?6 INTEREST CHARGED ON PURCHASf 5 TOTAL INTEREST FOR THIS PERIOD 56 91 $56.91 Total fees chargett in 2016 $ 0 00 i Total tnterest chaiged in?01lo SD6 91J Your Annual Percentage Rate tAPR) Is the onliulil nlloloot Iotf.'il lour aolouiil Annual Percents e Rate Promotional Transactioil Type Promobonai Offer ID Promotional Rate End Date Balance Subiect to Interest Rate interest Charges by T Ie fr sa et I 0 I I Type Purchases Balance rransters Dtrect. Depostt and check cash Advances Bank Cash Advances 11 991V 11 991V 17 249V 19 499V 95,5OB.23 9 000 6 000 6 0.00 556 91 0 00 0 00 0 00 Ape Type Defintnns 0*ly inta«cleat. Type v=vanabla Rat Iirte nai v n, 187 702 . 06 REDEEMED 10. 96 BASE EARI&ED THIS MONTH 2 BONUS THE S MONTH 15.68 TOTAL AVAILABLE VISIT BANKOFAMERTCA COM/CASHRENARDS g)~„m m» " * " 7 Fn N * nM 7„ .3v nri nit,. uik tmnur I Int,i&( uiiin rl itiii& Iln ns, Itin H&rlcl& tilri c). I lu lun ti I nit i)t)unc Imlni)cc, mt ill nn(t RI &Ikng,)rlrtlrn utt tr) ri itc,f iieet Iri m Iii f)nfnlc H n)kinp )it It 1nli If )in&'I I( I ('n, f'I I n) I I'()iiic E Mi ttnl m UI(i ni)(t Itl'nirt)1nlft (lint IIRS ('ll Ripe(l. Bul E&n Ir) m&nci DIN II & vc(iit & t(&l ntntcnlcn&6 tnrl)y Nlklncni nunti(ntlnli. Hlcln\Ii'i'(i&in cncrf fniTEK nf ttint itin Er I nl)&I cr. In (i rnnnt Tnt iif fmcnlcnt tlnc rl iten In niilli li ni Sinn)i&'6, Ir) " nit( finknc 13 tnknIR,II It niknt rut& lltnl finn tr)tin) 188 BaffkAmeriCard, Cash Rewards. BankofAmerica+A Visa Signature MARK A M!SIRESSAI Account Number.~~~ 6978 January 27 February 26, 2016 Account inFormation ii)) 5 ha))hi)f)))i)'I)(xi.c )I)) Meit billing inquiries to Il,mk nf.tmct un I'). I'()) 0Ã!,'!35) I'!I Pns 'I'X 7«)098 ),) 35 Mail payments to I iii)k r)f /I)hei)«)), 110. Bnk 1501«l Wilnnnet m DK 19888«)010 Customer Service: I 800 421 2110 ( (.800., 1463) r 8 ''I'Y i Iota) Minimum Payment Due Payment Due Date.... $ 1?4.00 3/23/16 I.ate Payment Warning. If we do not receive your Total Minimum Payment by tile date hsted above, you may have to pay a late foc of up to $ 37 00 anrl your APRs may be inct eased up to tlie Penalty APR of 29 9911, Total Mmimum Payment Warnmg: If you make only the Total Minimum Payment each penod, you will pay more m interest and it will take you longer to pay off your balance. I or exaniple. « ) ) 4 New Balance Total $6,343.92 Current Paynient Due $ 124 00 Pievious Balance Payments and Other Credns Purchases )irid Adlustii)elite Fees Charged... Interest Charged . blew Balance Total I'otal Credit I ine Iota) Credit Available Cash Credit I.ine Portion of Credit Available for Cash .... Statement Closmg Date Days in Bilhn¹ Cycle .. $ o5,947 44 .-300.00 G34 72 ........0.00 61.76 $6,343.92 $ 21 000 00 $ 74.656.08 $ 10,500 00 $1.0,500.00 2/2G/1.6 Only the Total Miriiiiiuii) Pair)le)it. $211 00 ?0 years 36 months e c $ 11,904 00 17.596 00 (Savings = $4.308 00) If you would hke information about credit counsehng services, call 1-866-300-5 238. e w«¹c ) nc)¹ ¹ Io nsr. rcr ) Ci?/?? 02/?? Payments and Olher Credits PAYMFI'IT TRANK YOU 315G )1923 300 00 - $ 300.00 01,G 0 01/31 ii?/01 02/01 Purchases and Adlustments WAI GREENS a/384 SAI'I JOSE CA WAI GRI.CNS 42384 SAN JOSC CA I / )37/«0 ri«) /8 GTJ /13 5 68 3 60 b978 BANK OF AMERICA P 0 BOX 15019 WILMINGTON DE 19886-5019 Account Numbei, ~~~ 6978 New Balance Tot)i) Total Ivlinimum Payirient Due P))i)ii(.)it Di)c D )Ie $6,343 92 124 00 0:I/?3/1 6 MARK A MESTRESSA I 1455 LUNING DR SAN JOSE CA 95118 2325 Entei p*ynient amolnit 5 kls)ln«c ¹ n i s ii r «h «kcay blet ti ck )A *u s L'i 78(l ~ 18(3 iMPORTANT/NEORMAT(ON ABOUT THIS ACCOUNT CEO'&02 (iev 0(l 5 CUSTOMER TIPS FOR DISPUTED ITEMS Mac) I: rs&ku& i rdrlw, 'dirk( imci;»ct Jif c;t t.!.. 1 ivi »remi '.:. ",:c'u(L Beirv" uci&&ling. Lh,r,; &cr ~ &"*" "Idhw;wv, i&&1:iv:„,;, ~,&ii wk& Jk &,I',I 0 II I'8 kid& '11 in Has a credit posted to your amount) Is the charge or amount unfamiliar& inert wiht«t c U'-w&cv,:Irrm" I.!i e:I: cc,. tl,i vkv .1&&&CU&lis &«I L'dSU/ &J ' '"flu(',I 'aid& '. ' ', .'" UI'I & 'dic 1& i&LS inkr & I yotr di .'& I I Ui /I "I i Online Banking il I'« I ir v ,)rid rssnnil efmr rofycirr &!err nrnro Dve &is,& ag Please remember lf you tind an error on your bill, you must notify us no later than 60 days after we sent your first statement an which the error or problem appeared to preserve your billing rights ONLINE L&' . 6 ~ 'I 'iif) IS;."'DI'0 /'I I& s lc I I I)', ':„I'ic t&vl 11v I JI!&1 r PHONE 5&) -".- I 066 266 0212 )j -m. Pn'rpc "&r lli i&Chive l'I rnvirld I vfwvnrvna &II"(,.&v,9)) MAIL Attn Billing Inquiries, PO Box 982235, Ef Paso TX 79998 ',ioi&r, .I i, pl&vcr-t" rk;Ir ynur Name Account Number the Disputed Amount, Merchant Name, Transaction Date, and reference number:l I! r. Il cputerf item aiid spv. iiic r!r I ilc ir vair(ate your rlisoi trk inc(ud ng dai&u of&on(err vith &he nir rcvintanrittiemcichwit. rv ponce inmchincranrc Pi cc mr luriv all cup&orang r&ot umcntauort I'rqi ic'ii g safes /md cr&vit Jouui&r, coi&i,drr a&id pe&!)pe re!urn r 'if'(1 as pii.of cf Jnv eiuins PAYING INTEREST 1'11'wilt !Pi ihdrge mter t o i i'u'I''su i 'I'v &t mate i e i! d vwr Ivy:hc Nidv Bdar- 'UIilin i i(ll j I C'Pd&/UIC& IDUP 0 &P JUL voi&ha&lou I I'l'& 01!'I'C ux" I )'u &'I'I )UC'0)'&. Iy, wii 0!Rn&lwpnsiniviestontldlvni I J"civ ~ )oi c« 0 Loins ..i;t. t,c,,i!n«ix CALCULATION OF BALANCES SUBjECT TO INTEREST RATE Aver,;,v ila ly 8 "lanrc ivt Jihr8 U" r I&i&fog vw I&i& c h, c: if/I'ku uv '; 'pa JII', ':I C. S I 'lief& 'C!'uv '" I Ibli&' ' u: *.r\& I/ 0'I Iriinidur! &I) O'Uuu!&Uialn Offprhidn&L.& I!'Srstai,r&ll Ji t spc Vv' in&" I&) '1(ul, ing 0) l(h II I I Inr I-«(hi:, In& IC «Iv „&;:'\', .kvli,: ! &I 0 I, -,! r I c!i daig "tr ri iof!h& l)it(hei&*ircs!rr;" v i tv'rvt!m.- vl'v, biiI'i „r, "v&alniuvtlir dailyuaW; i lo i«r."., I li*. ',* r x»'.', '.».'rli ".':I kr ihcprevro sdaysd»ivb loire Oi«ddimsi'rndsro c&SA(co&.',ro,&I ri» IN&scion I ', I 'I. *11 'vn& /'«rag 8&ld cclvivinvd(avlrr!aigr&wvg«(drxr: irw sic";nfnvwCas fnvdrr«tl Wc cak uiatv ac par. Ie Bahrces 5(bieci m an lite mat R)tr fv Baler cr Traris's Cacti Advance , ar &I for each lnlro iuctory r r I'ro noliona) Offei J i dn- cnvcisimg cf Baiirire'iamlr rs :r (dsh Adv«1'm ~ )&8'(118&s bi (I! Cv r ! &I n(',I dour 6 i crw Ji p&i 0 dm &&I it'&c ~ I Ip&tip vu I&*r&nc&&11&nmi! Urmti& l,cqvl 'i h &0,,'&& U„w*,'Nv! '&'AU .; I \ I"".. & I,JS f&'ro TOTAL INTEREST CHARGE COMPUTATION Im- &1(v„rpcsa&c n. and ) e&vrnpoinrlvrion«daiybasis Todcte mine lb Uiiv vst 'iwges v&era/iislved(I Bai ncr" .il ir ct ro Into&csii&vie bi &ts ))p'uible D)&1) Pcr, r! c Rr« V. I P&dt Ci Ii is nnihc&&mr!I . &hem nihei r days Attic (1 ('ine yCI TO«.Lcm&re I r;OU&')is; ourge tor tnr b (kng cycfe &tv add rhe perrodrc Ra e lnteresCUiargcs togerhcr A i!Uly Pr ncdic li'.I r:okuldiedbv died&rig(UArirvm)l'. rrnr)pi R.is bi dl HOW WE ALLOCATE YOUR PAYMENTS vdvn I c,'e der c I 0 to posteo bd(ance If you& a&coun&. hash«farces v&i&0 diffvren, AI'Rs wvdlidt) .I.I 'I'C..'nci ptv(/r&1&':„0 v u qi& (tot'U 'nlllM&i vriu&1('0; &Jr& )Uvl'e , "" C, N U,J „n Iu fvst I'irk di 18 && I"ICI'mns r'i Iced tIC" '.I'&c 1'air r&ICPII PN IC'& I v &UI." ' A&' vv.. 'ay(&1 i "im P ymen; Ch c imifbr dppkrdiotsMrc 1 "iuh'L twi /&pks IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE 1& "I'! i 11oia, 'IJ' «11 u v UI &n! UI U&' I v;U le& d!'l" PI" TCU I& I" I a& &I ,Uno, I!, r &I I & i ng)l PJ I pay;I& & . I or ) U u pie fulion I !w&)I dcc fr r cvt Ur iy 1(air I aur A (. i»riay ai Ufy foi vxp. dur J si rv&cr,o cancel cvg us bpfnre the sebo&i& ivri p iyira nr i)ate Lmi» &s)y U«1&ovals &annot beer(&!Cd o! Pncr'led YOUR CREDIT LINES . '1 0&'I 'rsculiol rv ('i(I'k( I I /&ovv'&", & '( sh( cvl I, &:1;I vl, ',u 1 ' '& Vk JS I /4'han::6 ',, m dliy P)nk( )m Artuit'&PC ri nkix Of AIL! (dst Ai& !...n'&'q)T(&(. I Niv,& n irnc cii;cir"i:i)chii!& U.&u liv .,Ir,'&v, c&s'fd, I s «eh (nuiil nu 1&ilai&pltciblc ran'J;Ie1 cvs MISCELLANEOUS PAYMENTS If ymir biging address or contact information has changed, or if your addresc is mmrrect m it appears an this bill, please prowde ag corrections here C Id) C&UI )''mi'PI CI (&If,,"I v) II It!' tti&er'" 1&i&.. '&I I&'Ihv«in I i us U 'iv 'UI IS sr. he du fr.*d to o Bur f 11': ' (: 5 )york P'iona BankAmeriCard Cash Rewards- Bankof America ~~ Visa Signature" ~~~6978 January 2'/ - I-ebiuary 26, 201G Page 3 of 4 0 rn Dn ln Reference 4« »: Nun&sar )yn nne 1 mr 0?/02 0?/07 02/ I 0 02/12 02/12 0?/ I? 02/15 02/1 7 02/19 02/19 02/22 02/25 02/03 0?/08 02/13 02/1 5 02/1.& 0?/15 (12/ I / 02/18 02/20 02/ JO 02/24 02/26 Purchases and Ailjustrncttts Cf-'8" PFOPLFFINDFI'IS 800 7188997 CA WM SUI'FRCI-NIFR ¹.'&884 SAN JOSE CA SAttWAY SIORL000099/7 SAN JOSE CA WAI.GREENS f2384 SAN JOSE CA WALGREENS ¹2384 SAIV JOSE CA Q(JIK STOP ¹0034 QBO SAN JOSE CA SAI t WAY SIOHMJOOO&99// SAN JOSE CA WAI. MARl ¹5884 SAN JOSE CA FRYS ELECTRONICS IIG CAMPBELL CA BFST BUY 00001909 SAN JOSE CA DOLR IREE 3823 00038232 SAN JOSE CA HOMLLAND HEALTHCARE INC 2146712118 TX 921.3 ca 79 2 0055 6126 6209 0446 0835 9781 5426 7692 0007 6957 6978 6978 6978 69 78 6978 G978 G978 6978 G978 G978 6978 6978 ?4 9.& 54 33 6.34 3.45 5.88 11 00 5.00 31 38 43.46 38 01 8 49 393 15 $634.72 Interest Charged 02/26 02/26 INTEREST CI-IARGED ON PURCHASES TOTAL INTEREST FOR THIS PERIOD 61 76 $61 76 Total fees charge(f in 2016 $0 00 Iota( inteiest ciiaiged in?016 $118.67 Yciu Annual Percentage Rate (APR) is Hie anni&el lnteiest rate cn your account P&ir cl a''s Balance Transfer.", Drr .t. Deposrt and Check Cash Advances Ann ua I Percentage Rale 11.99'&V 11.991V 17 24SV Promotional Promotional Transaction Offer ID Type Promotional Rate End Date Balance Subject to Interest Rate $ 6,065 28 $ 0 00 0.00 Interest Charges by Transaction Type $ 61 76 $ 0.00 $ 0 0 ~ Be&1k Cash Advar ccs 19.491V $ 0 00 $ 0 00 li R iyn: nnfmtm 0& ly iris el P.u: Tyli V-Var&i)le Rale Irate may yaiyi 6 35 BASE EARNED THIS MONTH 1.18 BONUS THIS MONTH 22 99 TOTAL AVAILABLE VISIT BANKCFAMERICA CCM/CASHREWARDS ill'n,ni ly si&f1 ) Hliy)1 i&In)ill&& 1 llc W fu'lflcl \'nn lrl')nrnlp il nit'll U'tin&)irmlyyiiln rlllrr)ll Iun&1, a&fiji(i'i ii t i sn'l 1 11&fili(if) I ii )&i&'I ni 1 )nip&'i&i&in & itc. 'I'hnc &. n n t t .&ppiv (fit,i dnn. in& u&tinn mmntis at binfu)fimiciirli cu&11&lnwp&iln('ili 191 1')tn fnn))t& film...t Imhr n&trm) )nrl ) Inn nirhr'.t) I! It)r',nn htnn&l tr). I & n« t th h&n)hhr)n ')t)r m it)ll« I )1m ') ~ I ))r)n)nn'lh& r; <i)tint,)n&l I't m)n ,)I thn.,ln I & ( &' )nl'I I'the I'&'ll I'n)nlh hit., ( nt n&l&ntn)n nnnlf)h nl& Ih& n& llh'« tn l)nr'n litynnn lnfltllh'i&1' ) hn&l &1? I Inthlhlv ))&t) Hnl &n&' nl n)1k&'ll n tnlnt'&i(i '& I &nn r)n tl I&'I I ) I& )) h &'n)t ?nil. n) ttn'n&nfmm I & nn nlrn)'t hl')I('I n)tnt'& h 11)nb.& 1)) hl 'I'&nl'(h I) lf)n)'hn ) &T&'(ht t nil nlntt'nl('nln t&nh)f I rl)mli nt nnfhf&'fn nn )tn hnlt' I&'(In \')1 &i fn)Unit'nt let &)i.. 4r r up nlm rn tn Innnnil f&n) nf p I)'nmnf &hn rlitcn, I ) )vltnh nl nnnnt&, lr)f& it) tn In&)litt&'l)it)kiri" )lt tx)nl«)f&rn& t)r)1 r n& I )rln 192 BankAmeriCard ~ Cash Rewards- Bankof America ~W Visa Signatures MARK A MESTRFSSAT Account Numbet ~~~ 6978 I'ebruoty /7 Match 2G. 2016 Accouiit liiforfixatlofi ii'sxv.iia iilu/f iiiiei'I(vi.f'f)iii Mail billing inquiries to: Batik i if /tirivi u*li P 0, 13ris r)M i 35 Ei )'a so 'i'X pat)8 /I? 33 Mail payments to: ttabk iit'Amenca )LO. )tox 1509) LVi)niinyson 3)i",108kb.5019 Customer Service: I.G00.421..110 (1800114(3. 178')'I'7) Total Minimum Payiiiefll Diff.''ayment Due Dale $ 134.00 4/23/16 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 $ 37 00 and your APRs may be incteaseri up to ttie Penalty APR of 29 99% Total Maiimum Payment Warrnng. Ii you maire only the I otal Mmtmum Payment each penod, you will pay more m interest and it will take you longer to pay off )oui balance For example Neiv Balance Total. .$ 7 083.53 Oui rent Payniont Due $ 1:34 00 New Balance Total $ 7,083 53 Total Credit Lme. Total Credit Available. Cash Credit Lme Portron of Credit Available 'for Cash Statement Ciosmg Date Days in Billtng Cycle ...... $ 21 000 00 $ ).3,916 47 $ 10,500 00 $ 10,500 00 3/2G/16 29 Pievious Balance $6 343 92 Payments and Ottier Cferkts 550 00 Purctiases and Ad)ustments ... 1.225 70 Fees Charged............ 000 Interest Charged................... 63 91 k L v P m ? Only ttie Total Mirfffisufft Payfiiefil $ 23b 00 20 yeats 36 months $ 13,382 00 $8 460.00 (Sawngs = $ 4,922 00) ff you would like information about credit counselmg services. call 1. 866 300 5?38 (is/ ('e/e Pear Wren ne/e'e re arear / i /V r fie 4' ra/ 03/13 03/14 Payments and Other Ctedfts PATMCNT niAlvlt YOU 3234 4923 - 550 00 - $650 00 02/26 0?/28 02/29 02/29 Purchases and Adiustments AT&T S146 5909 San )Osl Ct WAIGRFFI'll 4?384 SAN IOSt C/ '. 262 GfJ'/8 1834 6978 3?2 04 ? 40 b976 BANK OF AMERICA P 0 BOX 15019 WILMINGTON DE 19886-5019 Account Number. ~~~ 6978 Ncw Balance Tot~I Intel Mmimutn I'ayment Due Ptii liit iit Di/f Drilr . $ 7,083.53 .. 134.00 04/23/1G MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95118?3?5 I iitr'r pn)iiieiil afflict/fir 8 g 9 78)i ~ 193 ffffPORTAAIT fNFORMAT!ON ASOVT THIS ACCOUNT CEDPDB Rev8215 CUSTOMER TIPS I OR DISPUTED ITEMS ~ Rasa credit posted tn your account) ~ ls the charge or amount unfamiliar& c ir.8v i'n;sir p" i i I ixirisflo i.e Reacc llti Ital"ik lir itn! Iivn ! mak .1&1 or&&1&i I n, ".,» I I "' '. '8 I'u':r'll vlr ct;. '." ' fxs ile uiis rw!s."v w I;oi,v. L&c»gcl IDnfineBanking rlnrsi.i'. rmcpusxRthi.wel arldwsson Iw fr I re',, u s atr ner!t&* vwe i«iratl Please remember tf you find an error on your bill, you must notify us no later than 60 days after we sent your first statement on which the etvor or problem appeared to preserve your hitting rights ONLINE PHONE ) I 866 266 0212 MAIL Attn: Billing Inquiries, PD Box 982235, El Paso TX 19998 your Name, Account Number, the Disputed Amount, !der(hant Name, Transaction Date, and referenm number itc'dstnt lrl&mIIL! w lifer iaiq r,,r'I.', Ii I'wtr I'n&I(11&. &„iln of & I'nar I vv i fr thai iv trxtr I v v lttv i ri'i ats rt'ori I a* (mt'rrovcc I as.'ir Irlr lift p i "ingr'I vi'w A&lou 'ic r vialesa r I rrc'. PAYING INTEREST 'R.''I Ill(1, i,hain ril'."', I\ I'unt,«r: ui t'xlslafr I'I'I! I iullimv!Iic Bcw!!prance lom! iihiltf i ls!'.;m i per 8 i& «ilwlb lutx! r ti .'bitli tv vmo!PwnrnlDucDrc Were I c„nrl, «ri ",, 8 '. !i I"„"rc:::1 c'»Rr rarvi cell'inis«lrndwe CALCULATION OF BALANCES SUBjECT TO INTEREST RATE lnttou C tvo Pirinmi it'Dff I'l 'I (Lrn'iil&IPO(&villi Sf''VVIIII&''I 11(I(&Ital(rig r'iSr,vi i'sr ioi:"" Dii)!UD rrwbi lf nitwit. I ef Ic) inr x fr tli«l I v ';.ll w),, i „vvrn3m in I i'Wi r-«"inst.,'ri wrvi'v virr,l. take!bc thrpr«v)r»1 cmyba.vcr I'tl,dtn ivPirr i svs rvwA& oin!'Ocsaicl crviri sartion I'u &a;. It&&aire Livia rtn,rice rig r Art! ian c Ii sf rsoilrtcu C s'niwl esl Wecalurul'parclc8.'arras'.r lmcrtoari titciesl 8)lr fr Dater rr transie s I'ash liclvaniet arrl '.: car h Si roducr ify cr p omntional Offer sari r c)nsrstmg cf Bnlancc rwnstcrs or( sr Rd".Ii: '* Wledo,t&t tw rlirp otal ngadvtybalvwr 'or:a I Ip(intt icst rvmerts I TOTAL INTEREST CHARGE COMPUTATION flit& re! C'Iirp(st L'&i ar'u Lr If&&if'r irw rl: ri:A... Aa. s c„ tr .'one til rl(«sf Iwwesl cfi rge ror vie bdk 18 rycte vcr* crl tti, i'inc: Pile & I erect fliarges re pr I r R Bail& Periodic Kafi'. Crlfirfa,crib& cftvwli,'n";ra»', i ivv,. I(mr HOW WE ALLOCATE YOUR PAYMENTS Pavrrir iw 1&,yiwvlrd!up.st.r'i)atancr« I!you uc ci, ii ttmoalaises'vimu tfmwi /I'ils vrv v& I &I tc nr'rio I'I'our'I el, i I „;, ', '; „ I n I *, ccl 9 I "lii '; ll"" c; .)I.; i"r'rrrsc«pgt&incest 1 Ii f,.dv*.-,i&in.;. Lens r wccor rx s wt m:v Pa, ir:ar IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE Inwi nrvmllxtirlgofmlcnpayni.': !or;err n I rrtioi»vi; ill:i ~ m sà .r lr I* rr inioir Afei.mayapiitytv vqiedved;Lrvx& "rocrai'ccl nltusbvfererti& srhwlutvrlp i)mr'nt &I)le wn -da, p isinr nts rara oi hc vrt tc d oi c ir celed YOUR CREDIT LINES ..v,nau'v for lta kl-.shr1di;n, I w pl, -., Ci. O,vi ",, ': sis; &R till&(I( I'81 tra(w MISCELLANEOUS a'AYMENTS r, '!, »,; 'f your hitting addressor contact information has ctiarlged, n»f vour address is incorrect as it appears on this bill. p tease provide ag correctton. her e 'ii e d ws pa)''I lit v I '!!Or '. !I v 'I u &I v& I It&&i-'. 5&(1 ss 8 r Ir ro I '.: Ii I'ur . u'(ox&if n BankAateriCard i Cash Rensrdlm BankofAmerica ~M Visa Signature' ~~ 5978 February 27 . Merci& 2G, 201G Pape 3 of 4 I e . ec'«'e/e Peel H Dere Del npl cl' Il Ie Iyi Incr. Tora/ 0?/29 03/04 03, 08 03/09 03/10 03/ I 0 03/0IJ 03/I 1 03/11 03/12 03/16 03/15 03/14 03/19 03/20 03/25 03/02 03/0.& 03/09 03/11 03/11 03/11 03/12 03/12 03/14 03/ili 03/1G 03/16 03/17 03/?I 03/21 03/26 Purchases and Adjustments WALGRFENS ¹2384 SAIJ JOSE CA CI-It" PEOPLEFINQERS 8007188997 CA WALGBEENS 42384 S/ht JOSE CA OFFICE DEPOT ¹950 LOS GATOS CA QUIK STOP 40040 Q80 SAN JOSE CA WAL MART 85884 SAN JOSE CA SAI-EWAY STORE00009977 .AN JOSE CA MCDONALD'S F4194 I OS GATOS f A /irar S146 5909 SAIl JOSE CA WM SUPERCENTEB 45884 SAN JOSE CA WALGREENS f/2384 SAN JOSE CA WM SUPERCENTEB 45884 SAN JOSE CA SAFEWAY STORE00009977 SAN JOSE CA SAFEWAY STQBE000099I'7 SAN JOSE CA WM SUPERCENTER 45884 SAN JOSE CA HOMELAND HEALTHCABE INC ?14871?118 TX 2915 3368 ?680 4195 7990 G722 00)4 /168 /152 ScJCI9 9102 /174 0110 2100 8&07 0?38 GQ /8 6978 G978 6978 f19 /8 6978 f&978 6978 69 /8 6978 G978 6978 GIJ /8 6978 6978 flc/7P 3 60 24/Jb 1 08 I?.2? 20 00 63. 78 8 49 5,44 159 87 42 14 4 80 27.21 16 48 5.00 113 05 393.1.5 $ 1,225 70 Interest Charged 03/?&I 03/26 INTFREST CHARGED ON PURCHASI:S TOTAL INTEREST FOR THIS PERIOD GIJ 78 63 91 $63.91 Total fees charged m 2016 $ 0.00 Total interest ctiarpcd in 2016 $182 58 Your Annual Percentage Rate (APR) is the anncral it ltei est rate on yout account Purct as "s Balan .o Transfers Ce.rect Qeposst and Check Cash Advances Annual Percelitage Rate 11 39%V 11 . 891V 17 24%V Promot onal Transaction Type P i o m o t i o n * I Offer ID Promotional Rate End Date Balance Subject to interest Rate 56,708.75 3 0 00 5 0.00 Interest Charges by Tlansactlon Type 563.81 0 00 5 0.00 Bank Cash Advances 19 491V 8 0.00 5 0.00 App Tn c. 0 I I le ., 01 ly inta e t nate Typ. v= var abl lists iaie ney lay 12 24 BASE EAEIIED THIS MCIITH 3. 15 BONUS THIS HCNTB 38.38 TOTAL AVAILABLE VISIT BANKCFAMERICA COM/CASHREHAIHIS 195 ffrn v .ix iy ivitii n p'Irnt nntn fr nii r )i&. tphvtfivi iim,irc tmynip )1 c ir nr i&'fiii uicnig ymir crit)nut Iriln, rippfy nnir tu . «i if yun simhfy fiil'nr frnr r ninpi titnc rites 'If)err i. nninstln )Spiv t cf )(fir) ir)ri v')tint)ninntfc. )t f)nit&&if»i)»)'i('1r'nl'), I )ii't»ii'ln&'nt. ynm I nnntr filin,,i Iupc, rrrvn nnrf ) Inc i»rhi tm! \t'c i)r pr iml t p n nr )he Sympf)nny Sift(& n V iff&v fiifui Sm)vs fi itnvmg 'f'liv Gn&ffi)hcr inrl'I\tmic 'it t)i»Sin In'r'( &'ni&') f ) )fir I r'I't)tun)i'rt ( &'It» II&I,)t in)tilt »n ~ )lit )11&: ffi'i r)rli, I) ic'nyun&'nvtnnffv f)fu'v Imrfur ty I')if»il)fr t&ur. Iliii n i.&n nmf & n (.i. rvr:in&f pvt i&ni r n tw& k t i) v')&h irmv p)rfs u& tlir* mir vv». I ('nrn rnrn&;it i)vrtmn»)nvvfuit)iti,«ei S)y »vs tv icrurv, p uicrfv. (re&lit r irrf it it& ments tii&fnv. f',ivmcnr nnriti& itinn. mr lu&fv crr rfit nirrf p)ymvnt rfvtufu. Sr t u]i:tlirt„ fur& mnnf y in r f'piym& nt (lnv if)tres fn sii'Itr ll ni urn»pcs, f&iu »1 tr) f i»fun fl iiiliniu,i) I) nil& d in)& In,i & nii tr)rl iy. 196 BaakAmeriCard ~ Ca.n Rewsids- BankofAmerica ~~ Visa Signature" MARK A MFSTRFSSAT Account Number. ~~~ 6978 March 27 Apnl 26, 2016 Account Info i mat ion s iric h ul ftof i mi i &i&i x inl Mail bitlmg mquines to 1111&k nf .&B&cl h* i IL(i If&» Bs'!,'635 „'I'v, Tflb &m;» Mail payments te. I &nk &if An&rink& 1'.O. Hr&x 15filil TVit&mnktiin Ill'! Iilgsff 3010 Customer Service I Brin C!I BIIO i I a lu,'I 1 6!,I I is 'I 'IT I Tot&if Minimum Payment Due Payment Due Date . $ 149 00 ..5/23/16 Late Payment Warning. If we do not receive your Total Minnnum Payment by the date hater! above, you may have to pay a late fee of up to $37 00 and your APRs may be increased up tn the Penalty APR of 29.99%. Total Minimum Payment tvammg: It'ou inaiie only the Total Minimum I'ayment each penod, you will pay more in intcrcst end it will take you longer to pay off your balance. Foi example: &M ";.i::;"i,",, i: New Balmice Total ...$ 7 454 85 Ctirrcnt Paya&ei&t Duo $ 1ncJ OO New f3alance Total .. .$ 7,454 85 Total Credit I ine I otal Credit Availoi&lc Cash Ciedit Line Portion of Cred&t Available for Cash. Statenlcnt Closs&g Date Days in Bilhng Cycle I 21,000 00 $ 13,545,1 5 $ 10 500 00 $ 10,500.00 4/26/16 31 Prev&ous BBIanrx* $ 7,083.53 Payments and Othi r Credits.. -821 65 Purcliasc. snd Adit&stments . 1,117 50 Fees Ci&arged ...0.00 Interest Charged 75 47 Only the Total M&fnnlun1 Pal cleat 21 years $ 14.116 00 $? 48.00 36 months $ 8.928.00 ISawngs = $ 5,188.00! lf you would like infer&nation about credit counsehng serv&ces, call 1.866.300 5238. J 04/12 01 22 4847 32cJB -$821 66 f 9&c P ic Nme» Wmt nm Payment snd Other Credits 04/12 &Vnt ivIART COM 8009668546 AR 6&J /8 -21 bb 04& 22 PAYMI IVT Tffnf'IK YOU 4923 -800 00 Purchases and Adlustmei&ts 0&/25 03/28 SAFFWA'1 STORF00014837 SAN JOSE CA 3080 6'3! 8 irno f 978 BANK OF AMERICA P 0 BOX 15019 WILMINGTON DE 19886-5019 Account Number: ~~~ 6978 New Balance Total Total Mm&mum Payment Due P 1y'&i&s'f&1 Dt&f.'ate 9/ 454 8 149 00 05, ?,/1 0& MARK A MES! RI=SSAT 1455 LLINING DR SAN JOSE CA 95118 2325 Fnter palment amount $ c&eci i'c&'c'& ch Ms f &h» chvn iong wth yo «& e k & y*h&e 1 as k ci A L9 7ELR ~ 197 IIIPPOR TANT INFORMATION ABOUT TN/B ACCOUNT CEDED Ijev 8/16 CUSTOMER TIPS FOR ITISPUTED ITEMS ;t» i'r',-) i'r!id r",sorel,, nnkle &I at( . tlidtcvc! )Picis n&y;1 r -; "r" ; riri;*ntiir Ecfn""&lb itii gd(I ir \ 1 t iota*, i) i& tel vr tvpriivd'.w 'li:iv .ird, i i ! K,: is,)nil ~ ac / m: v Pout ot pu;r lli;, iv rll«nt sr»lion'nuiiil'idi or lo(,i « ~ Has a credit pns ted tn your )ccount) 1 '. 'I LI I! &Ll:iptm onl tnc 'Iv('v jml" lvri I vuurncl I,uk it»''i I i' ~ Is the charge or amount unfamitiar) Lmvkwi i,dl c; p("»)nc ii I r rui:I to'ti &'!I I',1(&our& toinik( cur" ('Kyr!itin"I;1'p " . «(iri Ic, ti ()stn id' ti i'di tul ' 'dt (8 f ' I el(8 8 fific !'. „;,: (Etc I'cc "It.: ievinl,imari&a)(l milt 'u (void&,":& ;,Ir'r r 8 m' (ym di;.I(ili )'tc I n Online Banking I! i ed»i tnmiryiu.i ig'.I .)rk!Kcs nn:Io fr r 1 ci: tcu& state ne it r'r give us I(aft Please remember: If you find an error on your bill, you must notify us no later than 60 days after we sent your first statement un whi&h the ew'or or problem appeared to preserve your billing rights. ONLINE PHONE I 866 266 0212 MAIL Attn. gifting Inquines, PO Boa 982235, Ef Paso TX 79998 r.», v -'.r..; i:I, youv Name, Acrnunt Number, the Disputed Amount, Merchant Name, Transaction Date, and reference number 8 «i K lirfitr nm K! cw* i r& r)ct"h«v r'I "p;our&'iso& t&t inrlurfmgddrrs uf roii rtvrilti'Avi Krm in.cd! ir: ')prc'I,;&tv re(port (Inmchinsldlir( Imc«" «dr:i(i sipinr'.mt;r:.Nr ir nta: uri r clif« „cpl . aicl &remi 1'I I &n'I,;I &I 11 „;&I f)' 8'- & n'» '& ","(sr(pic.",.'Ct ) &1 tet& '(I! PAYING INTEREST '6'tg \I, & t hctgr tritvrcst rii I uufulsec or& 'he nvrr su)l 1'prit i(ye&i pa\ thc I'v IN'dr& 'nm! .i'.I ln It c P yn em Dun istr,wvlvnutt dr )ion(up»/ttir v cvio i. Iti rncvr llucD)N W r ' emrl ) ra), in! ir ti i Pal n r. Ird c'," c)& r 6) hAdv rci a&i 8 *', ~,irl»wA) . CALCULATION OF BALANCES SUBjECT TO INTEREST RATE D dr&! Idl'A& i'I iluC Ii KI Id)rig l /& Pit& 1 CC 11 udi r;"„,..r I!, '.&rue'/print dii lilt" ct II nr fort'ir'Is»step i, «cv 'i vlf l()(NI ('ry O'ron&dirc)1,'(fv ~ !»dr rr:cuvsrs!)rB of Purr hase» Wt rlo irvs oy ti'(akcrldl ng ; n la«r.'o & CI rlay r tnelilh c)r!r* ",,&MirB(81'i«'tal; »ptdn "l.;K I«vr pig 0;I' »i«) oi tti 8&it( bali'Krs 8; t!'v num(",1& of (I yc tn thr bi(big cyr 'c 'ural(& Idle I!id Nil/M';:id f &virtidmi i:I i.s!alnrnci lhb'Ingm&lc!VV;I;rakvt'... t ''c I 'l(«1''Km)I tml«1 to I)v )I)fii(«! in Dii'11'& (I ~ I r'I'n (vr»i»M) s 0-lvb I ncr,t/! Nldn«vt',rrcnaces newAc ounr leek nrtnr&c frar tv r:n ,':* n * I itvn(e M 'ui)d i (ICIL(f i& tg r 1" »' I(dr)CP I(Pl'at* dnd tlt'&V t dif /'(&id)i'S I We r ltr)A)te (pirate Bd'dnres 6«ufo(i &can interest 8 lip fn Bat)vm Trlncfc 1 (ach )Lovsnies arrl fore)ui fnrrclirctoiyrrPronnrion IDffcroadn e&nricist&nr cf Bal nce'rane, rs , (i I i!rivdn, . '/r* lo des by tli( I&dfdlingd lnfvb ftnreloredihil /in &I is ('rpin r is .; ';':rica I el'I.. I lu.".r te;I is 1!Ptwv&r'I'i!it)g.&CI bit v I'\ I pusl 's '.,.":. I ': ') TOTAL INTEREST CHARGE COMPUTATION It.-&.:( twgrs:1 id il-i,*rwvonind.rfon:rhdyl a(i Torl trrmmeth littrest &.'1I, cd&I A)ldsrvcd nt 1, In&An t fc K tirit'p'«mb" Dl)ify Per o(! c f(itr i'ti I ":i'I v i".il, p "1;I. r K«liv r'lava st! I ':'mgcsrl;;d terrt irvl«r!old'r, i c t ( rurge fr r v p n gi tp ryr r-: wv icrl Ihi pr rrocK pm i)( rps! Uidrpes logpvlpr /'aiii. P&»('o c '.&&P» '„8 I«, *", bi (!&v It)g, I /itv'll ', I'I P, Idf( b 'lj HOW WE ALLOCATE YOUR PAYMENTS Vpvriicn:«) e»'I i(':(8 «) pr ster.'. ou;:n es f1 yuu acr ouin iia. odlar ces wilh d ff,rent APt(s . r',Iv«nvv Kvc i«I:,'; i:&„.,r.- i .:It t .::'.Miii"a)mPwmcr&DUPII&l& c./in« 0,»t & .I st ti Pl& d&,:, naos) r, si,vu c)ttc: (Ace ..!cn))r«I pNiwcrtimo&nl» r»»c I wc)& ')I, .&IP1 'I In) "./'17".f 1('&'1&t''p&'' lob) a (cslvllht „"I r Al'tis IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE d'ti,.iud«&i ii ) tip, 'rw t.ppi«) ni I )r/ui(o r(a!it»i nr &i(dc» iv ((curly«O)&indi&or& Arse nayaPP!yfC;a&or rlimdti. »iC& IO a«rCI OlfuS b,turerf VS ttedutvip,iymenr dale „.nic tid/ p)tri,'tts 1riilot tv m! tcd ot tvrt&elvtl YOUR CREDIT LINES i& ri!'. '. » I, (, n '.,c 1 . Cl w it- I; 1" )i'I 1 u ii« a & » I r1 i&« 1 ' '' ' I '»I'( tsn 1(h vedi ca(nisi of Alki (rat!8 fair (cc MISCELLANEOUS PAYMENTS if your bi ging address nr contact information has changed, or if your address is imorrert as it appears on this bitt. ptease prowde ag corrections here "M)v, ", V)i i r rci rv ivd svci'11!&r. Ap; kid!un,ctrl «a i,,nr im«c pay i rdit )ou leucr i i sriracnusdtis sr itic: au in(sad r. brio e lwa rmrn ui p»tn.:, 1 sr.tierlufed to occur W'or» P tone LttnkAmeriCard ~ Cash Rewards. Bank ofAmerica+A Visa Sfgnatufe ~~~ 6978 laarcti?7 Apiif?6. 201C Pago 3 of 4 7/ebs&i&'bo iDe&&'oebi aDere De'o priori be/e enoNornbe& Nerf oe Pbi bi ier 03/?5 03/25 03/29 03/30 03/29 03/30 04/01 04/01 04/01 04/01 04/05 04/05 04/07 04/07 04/08 04/10 04/1 1 04/13 04/13 04/13 04/15 04/15 04/15 04/1 G 04/19 04/19 04/19 04//3 on/'zf) 04/24 04/?4 04/24 04/?4 Oa,?5 04/25 03/28 03/28 03/30 03/31 04/01 04/01 04/02 04/02 04/02 04/04 04/06 on/o( 04/08 04/09 04/09 04/11 04/12 04/14 04/14 04/15 04/16 04/18 04/18 04/18 04/20 04/21 04/21 04/25 04/25 04/25 04/26 04/?6 04/2G 04/26 04//G Purchases and Ad)ustments WALGREENS 42384 SAI&f JOSL CA WAI.GHFFI&fs l/2384 SAN JOSf CA WAIMAHI COM 800 9GG G546 AB WALMAHI COM 8009666546 AR SAFEWAY STORE000099/( SAN JOSE CA QUIK STOP 40034 QBO SAN JOSE CA WALGBFFNS ¹?384 SAN JOSE CA WALGBELNS it?384 SAN IOSI CA WM SUPI.BCLNILB (f5884 SAN JOSt CA SAFEWAY STOBEOOOO&J977 SAN JOSF CA WAL MART ¹5884 SAN JOSE CA SAFEWAY STORE00014837 SAN JOSE CA WALGRFCNS ¹2384 SAN JOSI CA SOFTEN INf 0 8004907454 NJ WAIGBFFNS tl?384 SMI JOSL CA WAL.MARI ¹5884 SAIJ JOSE CA WM SUPERCENTCR ¹5884 SAIH JOSF CA FPDS ELECTRONICS ¹t& CAMPBELL CA BFST BiJY 00001&J09 SAN JOSE CA LUCI(Y ¹75( SAN JOSE SAN JOSE CA QUIK STOP 40034 QBO SAN JOSt CA SAFEWAY STORE00009977 SAN JOSt. CA LUCKY ¹757 SAN JOSF SAN JOSC CA WM SUPEHCLNTCH ¹5884 SAIJ JOSE CA WM SUPERCENTER 45884 SAN JOSE CA SAFEWAY STORF00009977 SAN JOSC CA SAI CWAY SIOHF0000997/ SAN loSF CA KFC ¹287 SAN JOSL CA SAFFWAY STOIIF0001293(J CAMPBELL C/I WM SUPLIICFNTER E&884 SAN JOSC CA SAFElNAY STOBL00012&J30 CAMPBEIL CA t UCKY ¹(ST SNIT JOSE SAN JOSE CA QUIK STOP ¹0034 (JHO SAN JOSE C/I JACt& tft fill POX I/&3 (l(Mf't'll I ('A IIOIYIILAIHIJ HIAI Ill(.AHL If'IL 2Jnsr 1/118 IX 1919 ?099 4 (78 0076 0031 3409 3580 36G3 4607 0178 8711 1512 6760 7024 4837 !&660 8244 3524 3734 2323 8582 1001 4G38 8531 4780 2186 0186 0090 O?9C snsr,. 1018 0813 1161 2411 ! Gi'5 69 /8 6978 G978 6978 69 /8 6978 6978 6978 6978 69 /8 6978 6978 G&J /8 6978 6978 6978 69 78 6978 6978 6978 6&J (8 6978 6978 6978 6978 6978 6978 6978 G978 6978 G9/8 6978 G978 IG/78 69/8 4 80 4 os 21 65 28 (Z 12.09 25 00 1 9 3 60 41.52 40 25 32.91 7 61 1 08 149 99 7?0 20 68 37 13 10 89 6.51 8 2&J 24.00 11 Go 7 2I3 30. I1 23 69 13.23 13 04 4 88 18 as 32 26 26 48 3 99 ?4 00 /?8 3&J3 15 Sl 117 SO 04/26 0&l/26 Interest Charged INTI Bt ST CtlABCI 0 Off PURCIIASf S TOTAL INTEREST FOR THIS PERIOD G978 75 47 37547 Toto( foeh oharpc&l in 201 6 Totat mterest chatgo(l in?016 $0.00 $ 2!&8 05 I'tr«, i r&irrs th& on&in crim. rt icfmh mrtirrfc in Arncmlmi'nt tiiirpn ('tirhi ('irrf i&re& ment, Imp&N&nt Xnn«, 7 nit flittmg t(&Phrs imfuirnml I'»ci&& li it&&calf illlialiviitui & &&&i a« i&i&i \frit& iri itsv l&iicictfir. lrllvini itlvli i nflnc if & ii lcnlstcrcrf xr ul,i« i&illa i&INDI&&i& i irlJ irlg. 199 Youl Annual Percentage Rate (APR) is I)le an)lust Irllei pal tate on youl arrcunt I'urcha es Balance Transfers Drrect Deposrt. and Ch k Ca h Advances Be)1k c;lsh Advances Atmual Percentage Rate 11,99AV 11.99'1V 17.2CVV 19.eaeu Promotional Transaction Type Promotional Offer ID Promotional Rate End Date Balance Sub)act tc Interest Rate S7,elo 69 S ooo S 0 00 5 000 Interest Charges by TI'ailsectlo)1 Type S75.e7 rv 0 00 5 0 00 5 0.00 Apn rvp Dcfmuc . Dalvlit* inst rype Y- Y)nable Aai (rata maivaill 10. 95 BASE EARNED THIS HONTkl 5.'12 BONUS THIS HONTH 5e.75 TOTAL AVAIIABLE VISIT BANKOFAMERICA CON/CASHREWARDS I)D) V liiVAV!I'lib,l gl ('lil i)lit(l II) ln I If(t IVI)etllet''nu Ai'i')liyulg ll I ill'l''i fnlancnl Youl' 011'enr Iiilitl, Ai)f IIV nira t(i s('t'f pill (iilillltb fin'iul'(AV runlpctlt)Yu lati. Iiir'O'I, n ci. In,)pplv («*In rlcrlsliin )i'Ililln nlinutcs Atbulli )fAnicllcl( nn/EiilpaYinpnt 200 Baf)kAmegiCard C sh R rds. BankofAmerica ~~ Visa Signature" MARY A MESTRESSAT Account Number. ~~~ 6978 Apnl 27 - May 20,?016 Acccuni Infcrmaticiv 11 11 ii' )a I ill if un i'I 1(,1 x i in Mail billing inquines to: )tank nf.)mvncn IEO. )iuv 98!,'.",13 '1'X I!)!)OS:.'/.33 Mail payments to 13 i nil of v) nivn( a, P.O. Brix 1501() yyl is)nu futt I )IC I!Tgkb 5010 Customer Service: I 600.421 2110 (1300(lstull78 'I'y) Toiai Minimum Payment Oue Payinent Due Date $ 159.00 (3/23/ 16 Late Payment Warning: If we do not tecelve your Total Mmimum Paynlent by ttie date listed above, you may have to pay a late fee of up to $ 37.00 and your APRs may be inm eased up tn the Peiiaity APR of 29 99% Total Minimum Payment Warmng. If you inalie only thc 1 otal Mii)imam Paym( nt each penod, you wiii pay morr in interest anrl it will take you lonyer to pay off yout balance. For example. New I3alance Total.... $8 283 34 Cmrent Payment Due $ 1 5c) 00 New Balance Total .. ...$8,283.34 Total Credit Lme.... $21.000.00 1 otal Credit Avmiable...,......, $ 12,716 GG Cash Credn Line ...,......,$10,500 00 Portion of Credit Available for Cash,............,........$10 500.00 Statement Closing Date...........5/26/16 Days in 13iihng Cycle 30 Pievious Balance $ 7 454 85 Payments hnd Othei Ciodits,,,,,,, .-200.00 Purchases and Adlustments... 951,28 Fees Charged ................................................ 0.00 intei est Charged......................................77.21 Only ttte lola( Mail(hurri Pa)'ineilt ?2 )'eats $ 15,/74 00 $ 275 00 36 nlonttis scJ iJOO 00 (Savings - $ 5 8/il 00) If you would like tnformation about credit counseling services, cail 1 866 300 5238 Cc/c'c ac ccc ' ii D; rp ('- rc D".'MVC /,C SC A hCC 4 1 1 ir /crc Payment" and Other Credits 05/23 05/23 I'AYMI:Ivl . IIIANI( vOLI 33 1 /t923 200 00 -$ 200 00 Purchases and Ad)ustments 04/26 01I/2/ TIIL IIOML DLPOT h100cJ SAI'I JOSI C \ 04, 26 0/i/27 MCK IN THE I30X 426 C/IMPBEI L CA 2101) bcl /3 30!)3 61J 78 38 00 545 b976 BANK OF AMERICA P 0 BQX 15019 VVILMINGTON DF 19686 5019 Aimount Number ~~~ 6978 Nr w Balance total Total Ivlinimum Paymeiit Due I'ivini ill Oiii Jsiif* ... $ S 283.'34 ...... 159.00 OG/23/16 MARK A MESTRESSAT I 455 LLINIIIG DR SAN JOSE CA 9511S-2325 Lilt('1 p 1)iuenl 1'noir(it 5 Ms I in 1 p I hs thy «h k p yshic I ashkpi Amer c E,'i 78(is 201 /MRORTAHT /IVFORMATIO/V A(TOOT THIS AC COO/VT CCDJD2 f(ev 0/I 6 CUSTOMER TIPS FOR DISPUTED ITEMS k'h Iir'(vwhcp I'Pd.'', v! In'8''I ",I'!'Ct'dn, It'PILL': » '1'I' 'v''xivr' nbv( 6 "ri dc«(I, acti,;",(v(v '""PI,I( imsr iv( u! .;'(o:,i,';,dr ti I kc ~ Nas 1 credit posted to yotir 1(countr ~ fs the charge or amount unfamiliar? cl«nrn(conknr fyw,iv cd rrd dl"! .iOnfine Banking ii.,„d inv I sli,,i,.u I( PCI .Irfc!meson(I r fmnln!,::ui clan'I r it u Rivi us ',(alt Please remember: If you find an error on you( hill, ynu must notify us no later than 60 days after we sent your first statement on which the error or problem appeared to preserve your hitting rights. ONLINE PHONE 5)-1.866 266.02 I 2)II '.:l,l'(ll'p'I" 1'it fif(Lsd v(v '1(1'nl'ni' I "!P 'I (" ti .I MAIL Attn: Billing Inquiries, PO Box 982235, Ef Paso TX 79998 Amer «nl», I fr:I(- i' '1 Jr your Name, Account Number, the Disputed Amount, Merrhant Name, Transaction Date, and reference number CI thr '(I couted i(emanr! spr'«hr rict v!1 ii ger(ting y(/(Irr! soi tv nr!(uiig (. rn of r («tact wirh dir'r. rcn,int 1 (I the m rchintk ir cpor sc rn cacti in. «mc( f'!L;cc nciudea(!cupocrtirirr'ocumcrto!ion nrt idx ps fe p iJ(rc t vriu(nr(,ior rractdndpocragi rcuiii e ea(sasprc 'cl'. „c'(( r PAYING lblTEREST Wp v(itf riil i ti;8('i rr(IL ' Pu(face= u'b ',r cldrv I ( n! 8 1 .u pvv ',I 'r vr lwlar'id Io!a! iniup(YR c pm/mcr t DL. Jnr dnJvou! adr ) o r is! I, rhvr vv(op IN«nvr r Dip DP: CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Aevi i(Pi)iily Rplitt.: 1/.".r if 'm 6 (!v:» i„";, 8(.;i, c Iritrodur or! O''ioniuuon 'ffpr hi dr( v «ivcic dig m t'( nmec Av Ll I I'I; I'1 ' ' Cut ning dive!rig die,x'i ot Ih.. I, 8, d:11 irr sip*,"v 1 'I I':I, I (tnc ii I x ! I! the prevru is rays da i/ham icr fdi I f n t'drc': ec "'":I /««vi "! 'c . m neo, iran sr 1:n I (di n dc /vrn A(r (age Bald x I'v( md Imx I r! inp nevi Pdla xi 6di I. 1 .. I I n. 1 ( 1" /'cv,:rv ' Wv cifcuwt". elwriic ffi'sr dec 6( biect!o an tnrr mst Rate fm Bat ir cr* Irdncfe I C 1st Adv n Is 1 dfo cachlntrodnmoiyrrProninlonalQ!fciha ir«r irccrmi !!talc»cv "iansnrs ;r(deb A(iV(n P 9/» In'!»Icbt!It i ( ifdungd dxtyiidr. r rr.'drmmtr!CI;n rt V,udr rnrnts TOTAL INTEREST CHARGE COMPUTATION Inu- i iiarprsir.'ur id ir c mpo(ndi(Irma« iybacis fnreummvr i r, Cii agre(vr:vii ftipty(dcl Be!dure&if» ct to Ini,cot Raiel fir idpii(dtieD! If Pc vi!x .I xil'in! -I'((sued(plx'dl; tt1'IunLP( (J I!ays '1(tir! d'Irie 'I o iv!v 11 r(1 r,,1'nmir cl ( I argp ioi vie bifkrig ryde we add the Pr nor'i( Ra "- in( riwl (!Ia 8m rogr virr A i!1!I Pc mJic iluv«- k(ilarvdbyiiv ran,;PRrmual" 'center,'Rdicby 8( HOW WE ALLOCATE YOUR PAYMENTS !JNi e iis d e dfordt' to poster! bdiances ll your d«oun( ndc veldt -pc virm o fiw(. i; I t'ilc or v i i iP cit. «';(nt unl o'ye i ac/i« i. Priidl!n f i ~ 'u!el idio r iumt'r(:-ri I ) x: km 1(/iPti ha truce f stir& lcdmg rrancact«ns rucv ittw:I is morc mvr . I'd/ "!: '»(d(ps(tie ir P1u/M u w I p «mern D(c i«iflb(, I pl mt Iohmdmv! vr(t I,,;Ir Auh IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE p '; ivrt ( - i!Sir p(count it Inv !dim(i I r« i ion(c i. (i«.i";x Vc: uuu:. '" ,nxmru 1(rdun ng 1: (11ct 8 (nuri( Ioi yu/rpioh(tiun ( e m'Id( '!(I \if Ir ly Arri nay appfyfo, expedi ed sr r(ire lo cancel call us be!ere thos Irprfi 8 I pdyi ipnr dare nIL ua" pavo!co(s cdl'1(ol tic! ct I(cd ui '('Ice!ed YOUR CREDIT LINES It'P i( fdi ( r. r I ', ir P» ,'I, dmni 1 8 (r. 6( )1- d!P I, r 'I ..I;,," i«i r i..!r 'ir Bir kl-ch (fvai,m ( r ", ofy fkvif ( I 't/iluv;vc; sm . (un'I!(m h ".,!,i(r.'I!'!Cr fbi ~ I Adwvicrs:wn L!n Ch rr "c:I'd'!'( 111 /id„ ic c I ash Eoi vck i (s a!nap,.d(NIIr (idn!d Iio i(v( MISCELLANEOUS PAYMENTS If your bit ling address or contact information has changed, or if your addrpsc is incorrect as it appears on this big, please provide ad corrections here irv: P. I f11i;1((rn I''Ici( r '„1; rc', lsdf (Nsr. 8 -; "its riv Ii:(cop!(I'p die . lb.1iduLp '/n'cnt,c st.hedufed to occur Alod oo IiVorx Pnone --- -202-- BankAttteriCard Cash Rewards. Bank of America+A Visa Signature" ~~~6978 Apiif 27 - Moy 26, 201G Poge 3 of 4 Data Dsi Deere(:(,rn Nererncn nr nrnl N I lee Ii,» le rein( 04/26 04/26 04&?8 04/30 04/30 05/01 05/0? 05/0? 05/02 05/03 05/03 o5/oa 05/04 05/05 05/06 05/06 05/07 05,/08 0.&/1 I 05/1:3 05/1 3 05/15 05/16 on/1G 05/1 7 05/I 8 Ob/23 05/Z4 0.",'?a 05/24 06/25 04/ZB na/?8 04/30 05/02 05/02 05/03 0. /03 05/03 Ob/03 05/05 05/05 05/05 05/06 05/OG 05/09 05/09 05/09 0.&/11 0. /12 Oo/14 05/14 0,716 0 /1/ 05&1( 05/1 7 05/20 05/25 05! 25 o.;,r? r& 05/2b 05/26 Purcha es and Adjustments SAFEWAY STOBE0001?930 CAMPBELL CA I IJCKY /75/ SAN JOSE SAN JOSE CA SAFFWAY SIOBE00012930 CAMPBFI I. CA KFC ¹287 SAN JOSE CA SAFEWAY STORF00014837 SAN JOSE CA Dl.:NNY'S 47416 CAMPBELI CA QUIK SIOP ¹0040 QBO SAN JOSE CA DOLLAR TREE SAN JOSE CA JACK IN THE BOX 40595 SAN JOSE CA KAISFBPERMAIIEN00221655 SAN JOSf CA SAFE WAY STORE00012930 CAMPBELL CA kITL AID STORE 5983 SAN JOSE CA KAISLB GIFT SHOO?63533 SAN JOSE CA BITF. AID STORE -5983 SAN JOSE CA RAISE HPEIIMANEN00221655 SAN JOSE CA QUIK STOP 40034 Qso Sl!N JOSF CA DENNY'5 INC SAN JOSE CA SAFEWAY STORE00009977 SAN JOSE CA LIOLLAR THEE. SAN JOSE CA CVS/PHARMACY ¹09944 SANTA Cl ARA CA DOLLAR TBFF SAN JOSE CA WAI MART ¹b884 Slild JOSE CA WALGHLf.NS 42384 SAN JOSE CA WALGBEEIVS ¹2 84 SAN JOSE CA RITE AID STORE - 5972 LOS OAT OS CA LIJCKY 4757 SAN JOSE SAN JOSE CA BIG LOTS STOBFS ¹4?(31 SAN JOSE CA QIJIK STOP ¹0034 Qso SAN JOSE CA SAf EWAY S lokt.00012930 CAMPBELL CA IVALGREE(aS 42384 SAN JOSF CA HOIVIELAND IJFAI THCABE INC 214-8/12118 TX 1559 ?31 2 16/6 0116 1700 5497 1081 0213 0850 8716 2930 3131 4668 1291. 348G 3366 9905 0110 0394 9863 9780 1890 0491 0566 3453 8496 1250 4809 1?37 b (83 9406 6978 C&978 C&9 (8 6978 6978 G978 6978 69/8 6978 G978 6978 G978 6978 G978 t&978 69/8 6978 G978 6978 G9/8 6978 6978 b(i(B 6(J /8 6978 6978 6978 6978 C&978 69(8 G978 45 75 4 71 19 14 10 88 6.59 19.28 ?a 00 7 84 8.03 9 22 7.98 ?1 55 20,66 16 57 IO 64 23 00 26 03 8 85 18 46 5 43 15.73 1C&,85 3 14 21 80 16.30 30.64 29 26 24 00 35 3G (j (J 393 15 5951 28 0! /?5 0 br?(& Interest Charged INN HFSI CIIAH(,I.D 0(4 PURCHASES TOTAL INTEREST FOR THIS PERIOD bel (tl 77 ?I 577.21 Total fees chaiged in 2016 50.00 lotnl interest ctiergr.d i ~ ?016 SB 3(&? rs 203 Your Annual percentage Rats (ApR) is the annual inlerest rale on your account Purchases Balance Tran Ters Drrect Deposrt and Check Cash Advances Bank Cash Advances Annual Percentage Rato 11 994V 11 9910 17 244V 19 494V Promotioiiel Transaction Type Promotional Offer ID Promotional Rate Eiid Date Balance Subject to Interest Rate 57,834 89 0 00 5 0 00 5 0.00 Interest Charges by Transaction Type 677 6 0.00 0.00 0.00 APR Typ D !)nit on Dmly)nt*i "1 Rale* Typ" V-Venable Rate irate m)y van) 9 52 BASE EARNED THIS MONTH 3 20 BONUS THIS MONTH 67 47 TOTAL AVAILABLE VISIT BANKOFAMERICA COM pg%~&~@+,gW~"~(pHPESD r .... '%m" '.!, 4Q+~* m+SppP„."Eer'Irivc allay with 0 Ricat autu loan rotc. !Vhcth&T you are tnryin 4 r sr or rr tinnnrin 'uul mnrcnt luul, appii nuiv tn a& r if yrm qnahhy fur nur low cumpctitiyo 1 iics, 'I'Imrr is nri cost tri ))pi)h. C& t .1 ili i isi&ni )mlhm mil)ulvs &11 hinll& )i)1mcrim&()nlyl(ni'f) ) Tliii'nl 20&f Bai)kAmeriCard Cash Rewards. Bankof America ~W Visa Signature" MARK A MFSTRFSSAT Acr:ount Numbet ~~~ 6978 May 2/ Junc?G. 2016 Account Information ivs'iv Iifu1ki if,i incr k&1.('f(i Mml bilhng mqmnes to. Balih nf Alai"I'f(xi ILO )) ii Okg!?3.& )!) Pnsu TX 79998 2?'.)5 Mail payments to: Hi(rift r if Ainuri c i, )(.O. B(M 15019 Witmmgtun IIK 198k!).SGIB Customer Service 1 8004 21 2 I'I I) (! 800 34t! !1178 'I'I'Y) rot(if Miiiiirlcii'ii Pay(&tent f)ue I'ayment Due Date $ 1 73.00 . 7/23/16 Late Payment Warnmg: If we do not receive your Total Mmimum Payment by tiie date hsted above, you may have to pay s late tee of up to $ 37 00 and your AI'Bs may be inci essed up to ttie I'enalty APB of 29 99%. Total Mimmum Payment Warinng. If you tnake only the Total Minmium Payment each penod, you will pay mote m imerest and it will take you longer to pay off your balance I-or example Neiv Balance Iofal . $8,701.34 Cuirent Payment Duc ............... $ 17300 Piewous BalancePayments and Other Credits Pc(relies(m aiicl AdJustiiieiit« Fees Charged...... Interest Charged .... New Balance Total ... I'olal Credit Lme Total Credit Available . Cash Credit I ine Poruon of Credit Available for Cash. Statement Closirig Date Days in Biffmg Cycle '.!8 ?83 34 - 205.29 535 90 0 00 87 39 ....$8,701 34 4? 1. 000 00 $ 12 2(JB 56 $ 1.0,500 00 . $ 10,500 00 6&/?6/ 1G ..31 Only the Iotal Miriimiiin Paymeiil $ 28«J 00 22 years 36 montiis $ 16 603 00 $ 10,404.00 !Savings = $ 6 199 00) If you would like inforlnation about credit counsehng services, call 1 BG6 300 5?38 ci ur Pu&i ie naia riai«* Rc/p u ua Aar 0 i N mia Num(er Payment and Other Credits OG/10 06/10 iy&ic IvlART i/5881 SAIV JOSE CA 34GG 6(J78 Ob/11 OG, 11 !VAL Mali T p5884 Sktl JOSF. CA 2553 6978 06/23 06/23 PAylvlLNT TIIANK YOU 3410 4923 0 «JB I 31 -200 00 -$ 205 29 I 978 BANK OF AMERICA P 0 BOX 15019 !NILMINGTON DE 19886-5019 Account Numbet: ~~~ 6978 New Balance Total ... Total Minimum Payment Due. P(hi&i( rit i)iic u it'8.701.34173 00 07/23/16 MARK A MESTRESSAT 1455 LUNIIIG DR SAN JOSE CA 95118 23 'ntci payment aniount 5 M iti xcpuppnsipnswthr h kp r ci i e k (A r p E,9 VBBe 205 fgdPORT/INT NIFORMTIT!Ofd ABOUT Tf/I rtOOOVNT ( E0262 fqevg/10 CUSTOMER TIPS FOR DISPUTED ITEMS L ' ''10 ll';a&!i'If",ve'((110'! i 'I&&Ulcc I a'tlf& if(wnt 'igsv Ir'ilk i'0 lr'; '"'k 1'. I'('1 "I'ia' 'ln/; (. ( r I ctf 0 vo,' Has a credit posted to yoilr acro&intr ~ Is the charge or 1mount unfamifiar 7 ; sl I ('6, ',I' p' &'I( ',:I rmrt 'I 1, „. (' U acc 1! Ct 1'imk'0 c 1 nh 0u 11(111'0 'fr i,a:, (cni h ,'iOnhneganking ni(r i! Ioc I lu'! !It &(cf& ,irl! (Cw:Iv fr 1 tc'u(starcnc itc. Rvr 01&rail Please remember If you find an error nn your hill, ynu must notify us no later than 60 days after we sent your first statement on which the error or problem appeared to preserve your billing rights. ONLINE PHONE g)j . „,,','... I 066 266 0 12 I)) MAIL Attn. Billing Inquiries, PO Box 992235, El Paso TX 79998 v u i .,',, ': -: i .h* Your Name, Account Number, th» Disputed Amount, Merchant Name, Trlmsaction Date, and reference number Ihc (toil rl lcm in; *,.". 'lrt !1 rg i I yu'r'soi H Uc'irt Br! "rs of re&'Itlrl with ttmr v,m 11 a el n'mete'imm rr'rx't'( iii it(tl Insl incr PAYING INTEREST u.'nl! ti, I(n."'p('(I '; (* I,.'1! (.,(I " & I rl" I '11''ilau'1'c(111! 1'0 I 0 1 !10 N'I' Ba(ar'(e I r i vi,i!I! & II 0 "'; ix»l 001 C&c c ari I vou li dr&ae n fut Ly thc 0 cvi,.is It&ym( nl!!00 fh&'c I"gnrl, ci pi rcrcw 10 I& ~'i ." 'a IC&I&A(Nan rscn0 . riai s clmi&d&n CALCULATION OF BALANCES SUBJECT TO INTEREST RATE 1 x/ 0'Ull'll i I'' (Iffe I,, r ( ut is'ir& (c'ui(ti sr!1 we 00 Irt 'y (If(wru!atirlj A&eh &p:I (., »&i:"I iiin cd *,(rsh! „. r ", Ii-i cf,lws nt&i hi!L&gr'&clc i.. (;(r 7, W'ort mw lh!,.1x& r;rli'c il take!he 1'i( previous( vs ut 11 !1 lan(ca!I fin circ'i ses inavA('oi I! I char&(tnt(& rialimlrton Nmr&M Bil rctrlr I&cd, ckr'o&gnpvB:kirx(!iai sfesanlruucash/'Ivanlc&I W( c&!(ulalc trivsime Ba acces 6( r iccr 10 an Inr» 11 L&IU fs Ba!ar m frais!era Cacti rldvanre and!Urea hmlrorhirtorycrf'comm n loifer:it incr r&rusuri c!Ba!ance ianstrs «ca I r«'wwi " 9 lr !los l;Ii av,.!at ila li&l/!NL'mr iurccwhc yinifi. ~ ! trrnci ts TOTAL INTEREST CHARGE COMPUTATION line m! C'110 esal 'I (, lxl '; '0 I '&0 .'. ('0 x ' /! I " I (cur( vn('&n 'it('rest Us/tialkc CI A&I:I'i'6iLCHH&'i'I-:tlltr'. E,il . &rlital'UD&il! I'c ia('.:Paw itreicsl t I arge!l; In(I& Ivi rv Ie v (r(id('&t ir r .. .'; BaI'( &o&csi!'&argot log(('ir r /(i! &il! HOW WE ALLOCATE YOUR PAYMFNTS I'a!(i en s i c ! i awl ulmsi 'La. rv -, il,'urer(0 ni( ia relet (c&vinhcfff ivan RI'tin luwr(IAUI&l race« f 'I icf..! "-; (1011! "",, 0;cc, n':"isnclr nell Ikic 1& r la&10( iis 0("rcs 'fr,i '00/M" . r ." y-:"" I'i ctrl'!i::,"&i Ioh ',0(c&vr t I Air* Ai ps IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE an'0 n:,&0(f'ct&r&gofca.r:Iwvv& . Icrk.„irp nrvnunivr 0 I-&s. i,r(i ai ty ifotnialmn A !CC Inly PP!yf('XPC;bed S(m('I(('e Ca(W( a(l IS Lvfore !hi'S(! X dub' fl 0'I&!en!date arne 01k pwni nl tanriofbccd rctiui canrrl(d YOUR CREDIT LINES ( 110/0.W'( ( l„(u t MISCELLANEOUS PAYMENTS If your bi fling address or contact mfa i mat i on h, s chanped, o& if your address is inrorrect as rt appears an this big, please provide atl corrections here. " 01 «klr(,s / BartkAmerieard i Cash Reh-drd BankofAmerica ~W VISB StgnBturee ~~~ 6978 May 27 luna?6,?016 Page. 3 of 4 ref& e re P "O Oeie Dere De&co&;roo sl)&o(&or I rei Ob/25 05/2G 05/29 05/31 05/01 Ob/OJ 06/03 05/05 06/07 05/08 OC&/OB OG/10 0t3/10 OI'3/1 1 06/13 OG/13 06/13 0(3/1 I DG/1 7 OG/18 06/19 06/21 05/21 06/?4 05/27 0'5&/25 05/01 06/01 06/03 06/06 06/QG 06/08 06/08 06/09 OC&/OS 06/13 06/13 OG/13 06/14 OC&/14 06/14 06/20 06/20 06/20 06/20 06/22 OG/22 06/25 Purchases and Adfustments WM SUPEBCLNIER 45884 SAN JOSE C/I SAFEWAY STORE00012OJ30 CAIYIPBFI I. CA Si FEWAY SIORE00009977 SAN JOSE CA WAI GRFENS 42384 SAN JOSE CA LUCKY 4ibi'AN JOSE SAN JOSE CA SAFEWAY STORE00014837 SAN JOSF CA WIENERSCHNITZEL 33 CAMPBElL CA SAFEWAY STORE00009977 SAN JOSE CA WM SUPERCENIEB 45884 SAN JOSE CA WALGREI NS 42384 SAN JOSF CA WM SUPERCENTER 95884 SAN JOSF CA SAFEWAY STORF00014837 SAN JOSL CA DOLL AR IRLF SAN JOSE CA WALGREENS ¹2384 SAN JOSE CA QUIK STOP 90034 QBO SAN JOSE CA WAI GRFFNS ¹?384 SAIS Jobt CA WAL-MART ¹5884 SAN JOSE CA SAI EWAY STORE00014837 SAN JOSF CA MB CHAUS BESIAURANT SAN JOSE CA WAL.MART 45884 SA(9 JOSI. CA WM SUPFBCLNTER ¹5884 SAN JOSE CA WALGREENS 42384 SAN IOSF CA WALGBFFNS ¹?384 SAN JOSF CA WAL MAB I ¹5884 SAIJ JOSL CA 3422 13?9 0003 1198 4617 1900 73Go 0212 SG2G 1174 4298 0652 7409 576? «J827 9382 57GO 0958 0211 4987 0589 801. 6 8198 4053 5978 6978 6978 6978 6978 C&978 6978 69i 8 6978 6978 6978 6978 G978 6978 6978 69 78 6978 6978 6978 697ti G978 6978 5978 6978 83 67 T.G7 4 50 2.3G 8.07 12 07 6.49 11 97 45 94 6 41. 40. 13 34 27 7.63 5.63 ?3 00 5 63 12 83 42. 70 7 99 cJG 49 18 63 2.? 7 2 34 47.21 $ 535.90 Interest Charged 06/26 06/26 tNIEREST CHARGED ON PIJRCHASI.S TOTAL INTEREST FOR THIS PERIOD G978 87 39 $87.39 Toto( fr:(.5 ctinigcrl in?O'I6 $0 00 To(Sf interest rhaige(i in 2010 $422 55 Your Annual Percentage Rate (APR) is the annual iiiteiest rail- on your &rr:cunt A ri i& u a I Pe rce n t a e Rate Promotional Trar&ssctror& Type Prorrrotforral Offer ID Promotionat Rate End Date Balance Subfect to Interest Rate Interest Charge: hy Transacuoii Type Purchases Balance Transfers Drrect Dcpos&t and Check Advan es Bank Cash Advances 1& 99&V &1.99SV Cash 17.24SV I 9 . 4 9 &V 55,58&J25 5 0.00 5 0 00 9 0.00 557 99 0.00 5 0.00 5 0.00 APR yp, Defnuor Da Iy lni real Rotc Typo ii.= vo ut&ie p te irate roa&usryl 207 5 50 BASE EARNED THIS MONTH 5 IZ BONUS THIS MONTH 77.89 TOTAL AVAILABLE VISIT Brn&KOFAMERICA.COM (tr(h&t neil 9 E m v)n & m('1m."." & &'h txnk n'hm&& t) n c vnn& lh&nlu'im(ri( &r(f ('nsti Hcivn&r(t.'fhf ()c(fit(nr(l Nivhntcs&l('(h&1&h (ni) tn sh5&)(t nl Erne«)n (ivtn)lc,ilc vtnh (In. (Nm& Ic& iv hpmitt I 11tH« in n n&th I gic N Nnu 1 )ni r)tc. (V(i«Ill'I I 1&,n( h1&«nit(LI t N (r r«finnn&nlfi Ynnl'rnircnf inn&, npplv n&nv t ) hc( If& nl rlnlllh fin'u I )9 & mi)ctttn( I'ich I ln'Ic Ih nu &i)hi fn,it&l)lv ( ('I 9 (I«''I, nnl n Sinn nllnnl '. ll 1)&nlkufnm«rn I com/fnivpninlt'Irf 208 BankAmeriCard ~ Ca.h Rew.im. BankofAmerica ~wp Vtsa Signature'ARK A MFSTRESSAT Account Number ~~~ 6978 June 27 July 26, 2016 Account Information (vwx& IN)ill&i f i ii) 'i I&xi,& iiu Mail billmg inquiries to. li,nii( if'.)mi nr.i Ei I':i ~ !X 79!)!ih?&:I) Meit payments to ihml &if rtamnc) i'&). Ilr)x !50i&l !Viin)m&11on i)i', I!)816 .5010 Customer Service I RU0.121 2110 & I 300.346,'H 73 'I 'I "r ) Total Mmnnum Payment Due Payment Uue Date $ 1.84.00 8/23/16 Late Payment Warning: If we do not receive your Total Mmimum Payment Ly tiie date iistecl above, you may have to pay a late (ee of up to $ 87.00 and your APRs niay be increasecl up to tire Penalty APR of 29 99% Total Mm&mum Payment Warmng. If you make only the Totat Minimum Payment each penod, you will pay more m interest and it will take you longer to pay off youi balance 1=or example. New (3alance Total $9,489.03 Cuirent Paymmit Due .$ 184 00 Previous Balance Payments and Other Creckts P&iri:i)aves &i&i(J A&IJ&isti)iei)ts Fees Charged interest Charged.. New Balance Total lots(Credii Lme Iota( Cia&lit Available Cash Cri dit Line Portion of Credit Available. for Cash Statement Closing Date . Days in Billmg Cycle $8,701 34 ....-200 00 .Rqb 96 0 00 . 9073 .... $9,489.03 $ 21,000.00 $ 11,510 97 ..$ 10,500 00 . $ 10,500.00 ..7/26/16 ...30 Only tiie Total Miriimiim Payment $ 31b 00 23 years 36 mont!)s $ 18,176 00 $ 11,340.00 (Savmgs = $6,836 001 If you would Ice mfonnation about credit counseling services, call 1 RBCv300 5?38. ()a& L ere ne * ertle rarer 0//22 Payment."and Other Credits 0/(22 PAYMEIVT TltANI( YOU 3449 4923 2()0 00 -$200 00 (Kl/?'()/? 7 Purchases and Adlustrnents Ur(27 HOMEL))ND HEALIHCAfiF INC ?14871?118 TX 00/?8 WALGREFIIS 4?384 SAN JOSE CA 31 18 /5 /6 (3&i 78 Giq, 8 .393 1! 4 14 4978 BANK OF AMERICA P 0 BOX 15019 WILMING I ON DE 19886-5019 Aaron&i( Nuii)t)ei. ~~~ 6978 New Balance Total Total Mmimum Payment Oue Pari))&iit Oiic 0 ilc $ 9,489 03 184 00 OR, ?3/1(i MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95118-2325 I-I &K r p'i)i)re&it ')ii)oii ril L 9 78(t ~ 209 fMPORTANT INFORMATION ABOUT TNI ACCOUNT CE0202 Nev Bjlb CUSTOMER TIPS FOR DISPUTED ITEMS ') I 3 fhdq'!'»)&0 ft'tl trri .nl'.Gvl ('II JI &us. r(1c« ''(i''ns!I &a Lt'u 'vpt(IOIOIuu(I'Irt''v, »., «(.Okp hedspLt.ri." Ii( met hie !"I,r it1 r" I I, quv!i ns )rid(vsyr sr hi piu«li'putr 0 ( mp (lsr rsp rv r ra, r "r! Ipi ' L( I I 'uit"''n! ~ Ras a credit posted to your accoun&1 JIJO"( & f1 I 'Ll (!a!, &VI! BIC;I.!, iv, jdi ." Icd, ( I, (h V,I 'C,'O'!1"ulcl ~ Is the charge or )mount unfamifiar7 LI r(I(vnp air'pc nn&idd orneltn',.'I &Ipmrvi"tto oak iirpu '; ri inn;nrh" .ni cilnts &an &,.siiyhe c&«hsr ct ith r r: ldr;har.-"s; r xi(I ide r,is C!r 0;»r 10 r pck fr i rue, ( i t c r '. v r &. r dm ir! i& i n wi 'K 1 t, 0 J, 1.. a& ts(ink w f,rrmi *q(nriur)rtrd, idnfineganking Ii vi I t rv Py0.rg;Irv( I xtrl r sam! &I cf«nt ofyoui stat& npntoi give us a rig Please remember: If you find an ervor on your bill, you must notify us no later than 60 days after we sent your first statement an which the error or problem appeared to preserve your billing rights. ONLINE PHONE ) I 8662660212 MAIL Attn Bi(ting Inquiries, PO Box 982235, Ef Paso TX 79998 A -sr-. K i;he Your Name, Acrount Number, the Disputed Amount, Merchant Name, Transaction Date, and refereme number of tt (* 0 snm v! item)tirl 1()( pn r)r taf: renal(I ', y )ur disni I(, indudrig iJIps of r 0'1&act witt! tt it CIpu I) i it inc I irr let('idnr '. i por se ut ('1&hipalac('I 0'. 'cfu(tp dif sup)or!Ir f,* I'0 unwlildircri, I cl I( tr I',;af K PIct (roc It v('Isa&I ' i i aci JI'I po'fkg'Ku I '( v I'Is ls l)ico cf (ini reu 'us PAYING INTEREST We witt nnt ih rye inl rc L 0 1 I'u d'dscuui do Lst smtercn'1 i'70 i,;,nl'( 'au Deere, )nial n I if! tw I I'c Payment Du c D r c an(l you ti d nai on foil lq tfwp cw 0 0 I'11!i'. rit 0 i( I'v'id b Nn(hapn:inicre tonpalancc lrm&'," andc. 'IAcvdn: (Ji I r;i sr(; i la CALCULATION OF BALANCES SUBJECT TO INTEREST RATE A r.* ';*: ilaiy!Ia,r"( 'A)I'iod I i&f irfi(li; re v Pr i&has& '! (A,itruai; 1 i: a( I'dh«rs'I»rrr ",:v;iiurv Kt hni I v I'i:I =":: ic ir «,*.'itrin(uryrl'Prori&00(nd 0(fPrIJIdrve 0(nisiin 0 Pl(did PS WP Ii&1':ur (0(drurdi'ng ir'ivr &III r.'r ukl dyiniicbdti 0(!«' ",x! IKB kthr .In!;:,', «, In dd'1f Bv) )I I )of 'th 'lady(i I 'VCS I)! foe 'xnt)VI Of Ir ''ir bilk '," ()'( C '; t 11 I I tc 0k &III;'.6 di r fa r ach ldi I I t. s! I r icn! 1I: !vie(dr w (Jk Lrk r'n ",: L1'aprc .':I) k:,Ir iprd i« cq 0, to I r,ipphr„'Ji 0, (1 I' o i I(VIP '; 'ir JKI I ( Iheprevicisdavsdalyb lain,(',i UncwPJrctuses n wAc 00!,'Pcs. )d 1(i,iai acrion I'" I.'I 'dul A r iav!0 Ral, Irr IJ Ilail ( nclLdtng npvv Batancr) fr„r ster& lnd nr 0 cd!a (nv irt Wpcalnitite si paiatc Ba'anns Gpbfecitoan tntc e t Rotc fo Ra(Jr cr 1 dusfcm C 1st Advini es ar rt for cvidr Introductnt y or Promntionaf Offer oa anre mr)sr&tine ' )lance 'v)(tt rs oi (asti A(fv ri P vj'ot(ustly (I! Ldlnlfdt'ngddo '(bald('IP 0)'I'!'i.( 0 tt'(K'I IP(n "I V I I'I I ) I 0'1)t I I I IO'I I' Ii"I I'rsliqa 8 ( OJ«'u'OTAL INTEREST CHARGE COMPUTATION ldu (qcipdrsdn I, » tie .npoiridr(fanitldiyl au( Tod temmethvpnimst 01«:lcs v(r m(ltmt; ed I'af'I r" .il cil tn tn! (KI I'c b usnip!i(nb i Dai'yl'c i du pi&( inmie ICn rgc fur 0" b tt igry le vs.rlrf rhi i'rnomr lta!sin'c i(barges togcmrr A&!aiy P('L kC 'IV 1;k'0 Itq I'I I I'&'ikr 0 a(A0( Ill "L(I tig ' tchv 36 HOW WE ALLOCATE YOUR PAYMENTS Ppw e .1 i r I!'nrnpi io ixsteu bi'ances If youi &rout ii i!as bdfdt eh wnh 0&ffererc firms„iN(JI;, ri«,';ni udw ('u.,idlrrilu 0&JI!Bvu"IVOIPdwv'Iti)u('Ii'Ap 011(A A!Vp k; prx 's (act&ding i(aiq)r I, ns r'icrc itrc «I i& natcnxr'r'l)'r u'I'I vniolp I" vn,rr-sc( tc tr ', „.''i ((in IUY('Inn lhr (aft b 'ip'pd totiidr&csivr'.hl I;t(rAI'Its IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE '.race i ()it!c iu!k Im!'0 )11m (Ip ',ic Ymir I tdLt'In!)et(IP ,: rw r 1«ird;I u rii'i I 1(I 0 imi&-0 I or I'J Ir pi 0 r: uon we ii I ds& 'nr se( Ji I Y I Iformdh irt A fr &. Indy a»pfy to( r qie i lerl sp wr( io r in(el, c, ft us bc(ore top s herfuted payment ridle r ic (i is i,iunpnt1 ra(ii'ul bf'd tpd or cpn&pted YOUR CREDIT LINES I &I '.'.'' 0 r(,.'Ii Paik C rqi jitfrai &P& ., nu& Of Alk( ( arl fi Nai r, ~ MISCELLANEOUS PAYMENTS 1 :(cd pa '1)rl'IL 1'L'0'c ''r ('SI IL 'C I 0) n If 1st 011 C "'dsrtlcs\ 0 01 ) '(0(I 0 '..' '('ll. " ','I '' 'I Is s&hertuted io occur ff ynur hitting address or corrtact in(at mation has changed, or if your address is incorrect as it appears on this bill, please provide ah corrections here. VVOIK lonC BankAmeriCard Cash Rewards. BankofAmerica+A ViSa Stgnatufee ~~~ 6978 June 2/ . July 26, 2016 Page 3 of 4 0 tr Dsi« Dpsr. Yi 0'c/sw . i&'cr& i N msr Nurses& sii « &ci OG/29 0 //01 0//03 07/08 07/13 07/ I 9 07/25 07/01 07/0? 07/05 07/11 07/14 07/20 07/26 Purchases and Adlu tment QUIK STOP fl0040 QBO SAN JOSE CA WAI MARI lt5884 SAN JOSF CA IACO BELI 30'/97 I:AMPBLI L CA LUCKY ¹/Si'AN JOSE SAN JOSI. CA PETSMART II¹C 71 CAMPBELL CA WM SUPFRCENTER 45884 SAN JOSE CA HOMELAND HEALTHCARE INC ?14-8712118 TX 6437 RGGR 1057 0915 5899 5343 1450 6978 69?'t3 G978 6978 6978 6978 6978 23 00 ?8 65 3 2/ 16 16 14 91 ?0 53 393 15 $ 896 96 Interest Charged 07/26 07/26 INIEREST CHARGED ON PIJRCiiASES TOTAL INTEREST FOR THIS PERIOD G978 90 7:3 $ 90.73 aea!0'kiiii":::::i',:-:::,::::-:"-i!!~ Total fees rhnrge&f in?016 $0.00 lotui iiiteiest chetged in 2016 $513 38 ,,pg's',,iWfgpj~ Your Annual Percentage Rate (APR) is &tie enmist in&err el rale on your accoiint Yur .bases Balance Transfers Annual Promotional Percentage Trensactioti Rate Type 11.99SV 11.99SV Promotional Promotional Offer ID Rate End Date Balance Subject to Interest Rate $ 9,208.82 8 0 00 Interest Charges by Transaction Type 990 73 8 0 00 Drrect Deposrt and Check Cash Ad'v'i&icos Bank Cash Ad anc )s 17 249V 19 49!V 9 0 00 3 0 00 9 0 00 9 0 00 8 9 BASE EAHIIED THIS MONTH 1.12 BO)tus THIS HONTH 87 98 TOTAL AVAILABLE VISIT BAJ&KOFAIJEHICA COH Cri'nt tim«. 'rm win & in ti i' int \ i,i i it' it c luil& 9)l& r it)li . )n& In&lmg ( risti &i . 8 imH I'luh .inrl It l 8 Bn) yriur t)c!I «r &Dth crinti&lcn«, I bc& I )ut th& 5 I tiutgs I i trnu&c",&5 iut car imyinf i)«tstunrt 1)atikuf &mcrtcs &r mrlm& p iytn«nt,inrl &hckin in rhc.iut& 1 &su) tins&& mli Thi ~ i ~ m)t,i «munun«nr i i I& nrl r'«riir. &)iii it t ipicm )I IVhut i. i& ur r i crlit 9& ire in&i h m &I )cs it u'rk? W irr 5 ni cu & I i nnrlctst iml &nlci at ll& ttcrklun«& lint)itsr0m t&i I«'rn tmiiurt uit f icta &li iit i iir &rciht s«ii' '11 \\ h tlii i « m ,iii nrn ttt, m t if, t,it n n iiit f tli n m n in tt i, riiiir ltli « i,i ti,i ir I ii iti m iii t lnl n 1 * ll,i nl t n " I i I n'lli iii m I i , ~ ittlr ititi r titttttr iin n ln n il. tttnr\ rill t Itd . Nni I'r ttt tl'iii'lit lilt r';ll lnltll tlflliil 'llril r'llil till) 212 BankAmeriCard ~ Ca.h RewaMe- Bankof America ~W Visa Signatures MARK A MFSTRESSAI Account Numbr r. ~~~ 5492 ktly 27 August 25. 2016 Account information irii it hi)i)lief'i i)'tel'ic 3 i'nit) Mail billing mquiries to. itnnk nf.tmerir n Itii Iki) 938235 I'.I I))h i'I'X 799DBA)P35) Mail payments to: Batik i' Aii)oi'll:) PO. Bnx 15i019 !Villa)i)kiri)) DK 19886.5019 Customer Service: I 800321."110 I I 300:146.*1178 'I'I'YI New Balance Total Current Payment Due $9.4GI 36 .....$182.00 Total Ivlinnnum Payment l&ue Payment Due Date f182 00 9/23/16 Late Payment Warning: If we tlo not receive your Total Minimum Payment by the date hsted above, you may have to pay a late fee of up to $ 37.00 and your Al'Rs may be increased up to the Penalty APR of 29 99% Total Mmimum Payment War))mg. If you make only thr*.1 otal Ivlinimum Payment each period, you will ixay moie in interest snrl n will take you longer to pay off your balance For exmnple, New Balance Total..„, ...$9,467 3G I otal Credit Line Total Credit Available Cash Credit Line Portion of Credit Available for Cash Statemeni Closing Date Days m Bi!liny Cycle $21,000 00 ....$11,532 64 $10 500 00 $ 10 500 00 8/26/16 31. Previous Balance f CI /f89 03 Payments ond Other Credits...-10,800 00 Purchases and Adlu*tment* ., 289 50 Bank Cash Advances 10,000 00 Fees Charged ........................................400.00 Interest Charged .........................................88.83 Only the Total Minsnum I'syment $314 00 23 years 36 montlis $ 18,132 00 f 1 I . 304.00 !Saveigh - $ 6,828 001 If you would kke mfoimation about credit counseling services, call 1-866.300-5238 /iei. D ip oppcqehph were cp Accpv i Acr 08/1cJ 08/24 08/24 08/24 08/24 08 '19 08/2G 08/26 08/2 i) 08/2 6 Payment and Other Credits PATMENT 7HANK YOU FRAUD DISPUTF TRANSACTION FEF CRFDIT ADIIISTMI lul FRAUD DISPUTF TRANSACTIOfl FFF I:RCDIT ADIUSnv!I Nl 35Il G978 /46)J 5492 /469 5492 3/08 5492 3/08 5492 -400.00 5 000 00 -200 00 -2.000 00 -80 00 5492 BANK OF AMERICA P 0 BOX 15019 yuILMINGTON DE 19686 5019 Accoui)t Nui))bc): ~~~ 5492 New Balance Total I otal Minnnum Psymeiit Due Iv) niont Dui'e)tr $ 9 4G7 3G 182 00 09/23/16 MARK A MESTRESSAT 1455 LUNR'IG DR SAN JOSE CA 95116-2325 Fntei p)ymr:nt amount 5 M ith" p i 4 Ithv r he kp r biptp Hali piAm 5f ci 2ti'13 fMPORTANT INFORMATION ABOUT THIS ACCOUNT CLO')02 ltev 0/1« CUSTOMER TIPS FOR DISPUTED ITEMS ,«v 0 0 «r!wv c ", i pc;I n ciuk» ier( "I'' .r ere ', r 'ai& limo li1 l,ds « ' .'11 ',«: '!!t v I, . 1., w(1 ';l,l(", r I!I II ' .', ':, !I" 1 (0 vi yo« ~ Has a credit posted tn your accounts ~ Is the charge or amount unfamiliar& ( ! k)v)'hr I(1 ")'1&)i! '''I'&to&''. ',XI . 'I!I«','* ur'«'" irr ilrxin ke 0 die r v, nnk r I,:,i, „i 1 I I m il . m Online Banking 1 i db Ii (v )Nl C»n: I r aet arid is nv!I)e rr )r tel 'I( ur stale n .n! o'rt.'sa .10 Please remember: tf you find an en or on your bill, you must notity us no tater than 60 days after we sent your first statement an which the en or or problem appeared ta preserve your bdling nglits. ONLINE PHONE ) 1.866.266.0212 for !(v'ards:.I MAIL Attn Biging Inquiries, PO Box 982235, kl Paso TX !9998 iyli; r, »iui il,,i)res * x k!e your Name Accnunt Number the Disputed Amount, Merchant Name, Transa&tion Date, and refereme numbei .I thv «sour rl i!omen((!pi(iitr rir tails irg, r l -, mr!i,!,,n,.t, m !I d"ig c»rs of rontact vvnh th! I'I rctidrn anv Ihe n)r'rc'1)it . re p&'1'sc ~ i v ch lrvtdvcv Please nciude «I s«ppc"!ing nb(&tv)vn",door 1, sir» 9 sal( „ i& rr v(I)ctir I, (1 nnarfaixl f)os!ay 'r lull,"vir&s, &lac (', PAYING INTEREST 'a.'ill Ial &hd;„* t;nm I i ! I'. Hl .w) rm t ~ - rl Idn rr ir i"rnu pNi:0',v 0)'are CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Infroo c r &I pron(rniu& 'lif rt »dr (r. Dti: stir&0 0" 1'«Iri scs we&lb I'&su', ( II (d(uldtiilj rlic Ncvvd i y. da iybpdurv;I) -„Nr& Ixir nasa) iwwgccoimt 'vvss!rin(iv i in(1(ron /sr!a e &«&la !rr t«er i il & ni k & a)g 1; n 0 lar r r. I» inf rs ddi I nev Cds) I'uv rrr el Wr c)lculatv svpsrale Bd'dmcs 9& oir cr:o err mrercst kale fo Baler cr Tran&lors Tasf& advan&es avcl Io raci) I (lro i&re(«i) cr I'ro nouormt t!Ifm a«ance &on&!stir& cf Bit»rice raris)r r orl I)had»&i! .* y * lo Itus 0 il!,»c. I icn«: 0) if 0 I II &r: I rc I;!i r'er iri it i&st,.ir incr 1; TOTAL INTEREST CHARGE COMPUTATION li)«ii sr (no!gus 1«r&ic india e cvinpound 3 en id, ,', I a&i ' I -min( vi 'i,.«rn vrv i'ii«tmly el(I'ald»sr: '.,!tiyct rn Intv (bi fr tet)r ii'0 c«l . (!. 'y I'c 1! '«:,' Hh I e»U! Is nadupi'd lb lhv I'n)twr ry da,": 1 (ii I, nv ).I" '; 0 ! «1; I-: I1'nreieslCharge for me billing ryclrc sve add the Parodic kve in arinl (! rgcs !etc mrr 10b''eticdrc't n&'s alf. Baieclbvd&v'(ling»Idol" Ill c"cr& I vvlbl& bl 6 HOW WE ALLOCATE YOUR PAYMENTS pavm !&sure gr)cmes io posier! baldn&r s I'mr atru inn sr ah!nv~ v»me ti vw;lipks i idllmilv tie 'inwu I «( ye rrp;.;ii & s (";«dl in I .! .1&« i «» "m . &»,(1 & kn r s lipk t)dai'ms brat lri tiding irs nact m r I rc )tri" 'I i ')t n r 0 " n & n i »I n ." &r ( nf Icdr Toi,'» vum Palm r: INc i(ill bc. N«3 tr b. ', r c wi't I, I; i ki'ks IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE ;«I I ftot I to )Id co t d &rib '&ax Il I 'Imdr «, &Ir w v yr ux»l!I dr(el&i'n rig )f v let) 0 Till('n! I or )v(of)u) (& I I '1 ne"*! I )s 'u st ( 'l oi'is&I&»1 ftfvemay ppiyfc: exprdved sr rvice I ~ ca!ical cail us hdtv&et& & s lwrli lv I p iy nr.ir rfate 5 nie tlat paymerits cannot be crk ted r» oner.led YOUR CREDIT LINES Ivl hidl (tvu'I I )vd 'I . «1'«I ' )!\ ki "" MISCELLANEOUS tc', '\c;) ~ ,'kr;n PAYMENTS if your billing address or contact information has changed, or if youi addres& is c .'., ";„»,, '. ";,:: .': I( - rm mcorrect as it appears on this bill, please provide all correctinns here I!a)""I fu 'cu Iv!I vl I's I iis If lt I I l»o'ds Ifbs cf ')s 0 &ore rhe 'u I .'fu f rnnlu \ A»CO(i S BattkAmeriCard Cash Rewards. Bankof America ~d¹ Visa Signature" ~~~ 5492 July 27 - August 2G, 2016 Page 3 of 4 C, Ie FD5&«F Ce le Cess FVD I 5'ere . De 1'Ir I &Der seel De 1- &el 08/24 08/24 08/25 08/26 Payments and Other Credits I RAUD DISPUTE IRANSACTION FEE CREDIT ADJUSTMFNT 3040 3040 D49 2 5492 -3 000.00 . 1?0 00 -$ 10,800.00 0 1/26 01/27 07/28 07/30 081 01 08/02 08/04 08/04 08/05 08/05 08/ODJ 08/ I 4 08/1 1 08/20 08/20 08/21 0//28 07/28 07/'30 08/0 1 08103 08/04 08/05 08/05 08/06 08/08 08/10 08/1 7 08/18 08,1 22 08/?) OB/?2 Purchases and Adiustments QUIK STOP 40034 QBO SAN JOSF CA WAL MART ¹5884 SAN JOSE CA TACO BFI I 30797 CAMPBELL CA SAFEWAY SIORF00009977 SAN JOSE CA fACO BELL 30797 CAMPBELL CA DOLLAR TREE SAN JOSE CA WAL MART ¹5884 SAN JOSE CA SOU IH SAN JOSE GROC SAN lOSE CA QUIK Sl'OP 40034 QBO SAN JOSE CA IOODMAXXI1460 SAN JO SAN JOSF CA WAL MART ¹.&884 SAN JOSE CA SAFEWAY STOHL'00009977 SAN JOSE CA WAL MART 45884 SAN JOSE CA QUilt STOP f10040 QBO SAN JOSE CA WAI MART 45884 SAN JOSL CA WM SUPERCENTLR 45884 SAN JOSE CA 3114 FI FI DJ 8 2393 1889 0104 6180 1766 C&098 8?34 19lio 2437 0020 2673 6231 5985 949D 69 78 6DJ18 5978 6978 6978 G&J 18 6978 E&9 I'8 6978 6918 6978 6978 6978 6978 6978 6978 20 00 61 74 3 27 11.83 6 51 5 71 9 97 18 00 371 52 16 08 G.50 33 84 23.00 11 86 22.31 $ 289.50 08/24 08/24 08/24 08/24 08/24 08/24 Bank Cash Advances Onhne Banking advance to Onhne Banks&g advance to Onhno Banking advance to NOOFFERID NOOFFERID NOOFFERID 3040 3708 7469 6978 6978 6978 3.000.00 2,000 00 5,000 00 $10,000.00 013/? 4 08/? 4 08/24 08/24 08/24 08/24 Fees BANK TRANSACTION FEE BANK - I RANSACTION FFE DANK TRANSltCTION FEE TOTAL FEES FOR THIS PERIOD 3040 6978 3708 6978 1469 G9/8 120 00 80 00 ?00 00 $400 00 08/26 08/2G Interest Charged INTFREST CHARCFD ON PURCHASES TOTAL INTEREST FOR THIS PERIOD 5492 88. 83 $ 88 83 Total foes chaigrri in?OT 6 Total interest charged in 2016 $0 UO f 60? 21 215 Youl Annual Percentage Rate (APR) Is the ar)iiual Inlet est i ate Otl ycui ar!counl Purchases Balance Transfers Darect Deposat and Check Cash Advances Bank Cash Advance. Annual Percentage Rate 11 99SV 11 99%V 17 2»(V 19 »91V Promotional Trmlsact)on Type Promotional Offer 10 Promohonal Rate End Date Balance Subject to Interest Rate 58,723.32 0 00 Interest Charges by T I' )I 9a c t I 0 )I Type 588 83 0 00 8 0 00 8 0 00 8 0.00 8 0.00 Al'N ryce D finit one Daily intvi sl pate Tyne v= vaiiabie Hate ira&a m ) vail RS:A- 2 90 BASE EARt&ED THIS MONTH 3 37 BONUS THIS MONTH 9» 25 TOTAL AVAI(ABLE VISIT BANKOPAMERTCA COM a:'::,.i:,:.~::::-::,:-::i'-,"::!:::",:,',i,:,',:.i!e::.,-,:,::"-::::":,-"::ii:::::::-.'sia,:, (trent nciis! iy'uu you canna! yonr V)sa" cnr&i it irixilv ah rlnf)s incln&ling ('r! tcu', bien)'. ('hit)'tul I» I'i . Ih)y ynur next mr Iclti)ci)l)fhlvnru ( h!'&Ii nlt lhc 0 I ho)99 8) I(now,)bin)I &'ll buys)'y)I. &tiny I'Iullnlfanlvlic1!Ornyirn1'paynicnt i»id &Iickolgno thc Autr) In in finales tali 'I'his ii nrit 8 cnmrnitnicnt tn lan&i. (') erin subl&mt t I ipprrii il Rcptvmbcr i» ('lui&limr)(l ('ance» Airs ron»is Afunth. 'I hv Rational ('h)hit in'. (Yi ~ ! & r R & Ivty ( Nt'('6) hcip, miinrc nn f imily has tu & nrlurc thc «(it;uirl hv u t irhe lilrmv 9 i pnrvrni r in it iy fiir n & I i n ti» sill being r I'th ir clnhi T Iv» n m I I& tt 'I'hvh('('ii!r9. 216 Bai)kAmerigard I Cash Rewards. Bankof America+i Visa Signature'"'ARK 4 MFSTRESSAI Account Numbei ~~~ 5492 Aupust 27 September?G ?016 Accouiit liiformatioif )i if'iv iliiliki f ililf'I Iivi f iiil Mml bi)brig mqufnes to 8 ink iif i)litt'I'l(vi it!I imv Bglhf. i iti i'as I'X 79!i98sffgi Mail payments to. Bank ntiuuonca )LQ Hox15019 Wiimmldun Di', I!igdh 5019 Customer Service. 1.800.42 I 21'I tl I I.kf)t).,'14h .'1178 '! ' 7) I'olal Minnnum I'ayment Due Payiiicfit Due Date . $ 194.00 10/23/16 Late payment Warnliig: If we do nol receive your Total Mlliirnum Paylneiit t)y the date hated above, you may lieve to pay a late fee of up to $ 37.00 and youi APRs may be incioaserl up to tire Penalty APR of 29.99SL Total Mimmum Payment Warnefg If you make only tho Total Minimulit Payment each peiiod, you will pay more m interest and tt will take you longer to pay off your balanr e lot I xample. NA'Fg+h Neiv Balmice Tot~I .....$9,708.44 Currorit Payriiertt Due $ 194.00 Pievious Balanr:e Payments and Ottier Credits Puichnses enri Adpfsunents Fees Cliarged Interest Charged New Balance Total Total Credit tine Total Crerlft Avnf labia Cash Credn I me Portion of Credn Available for Cash .. Statement Closinp Date Days in Bithng Cycle $9.46/ 36 -400.00 633 ?0 . 0.00 97.88 .$9,798 44 $ 21.000 00 $ 11 201 56 , $ 10,500 OO $ 10 500 00 .9/2G/16 31 Only the I otal Mifiiiiifiiii Priyiiierit $ 325 00 23 years 36 mont)is $ 18, /85 00 $ 11,700 00 (Savmgs -. 1,/,085 00) if you would hke mformation about credit counsehng services, call 1 866 3005?38 rpr'et a Area rl Pare r fp raf Payment and Other Credit OrJ/22 OrJ, 22 PAVMENI TUJ)Nt& V()U 3616 5492 400 OC - $ 400 00 08/25 09/Ob !m,? 7 OfJ/08 Purchases and Adiustments Al I ILIAIII) itf)nltl RS 85! 3517536 IX FOODMAXX 4GO Saf'I Jo SAll JOSE CA 1228 69i'8 866G 5492 :11)3 lb 34 71 5 tf 9 2 BANK QF AMERICA P 0 BOX 15019 VVILMINGTQN DE 1986h-5019 Account Number ~~~ 5492 New Balance Total Total Minmium Payment Due Poymr:nt f)iie Date $9,798 44 194 00 10/? I 'I G MARK A MESTRE SAT 1455 LUNING DR SAN .IOSF CA 95118-2325 I iitr f pa)'Iipiit aiiiiouiit 5 Merit e e el saith ye rcieckeey,lilefe aenk IAmer e 217 IIVIPORTANT /NFORAPATION ABOUT THIS ACCOUNT C ED') 02 1tev 8/16 CUSTOMER TIPS FOR DISPUTED ITEMS ~ Has a credit pns!cd to your account) ~ ls the charge or amount unfamigar) &r.tv)A "tlv" pw:wi. i.,:i ru& I&nu'pt!pa (oui Iten) ipmptl&)nilnol naia; r . Iiscdr it! simd «hd assr ntlur tips ,t &rial!p. nOngneBanking nivr) ) i rdi..liu irgti rwch rtchm&ni ".fr* r try)ciirst)tpnrnro, rivr us i«itl Please remember ff yoir find an en or on your bill. you must notify us no later than 60 days after we sent your first statement on which the error or problem appeared to preserve your bilhng rights ONLINE ) I 866 2660212 MAIL Attn Billing Inquiries, PO Bov 982235, E! Pasn TX 79998 . r &I clc yaur Name, Account Number, the Dispuied Amowit, Merchant !tame, Transaction Date, and reference number o! tiw «amr& ipm,in I &op(i'i ort„ihirp,:ir!; " ur rico& re inrlurimgr 0!&Ardri)&i;h",,prn&imlrita i;&hem rchint &c ponsr iricdchinctdpcc nr u'Ir ms pp Imgrw&imcnldlon rt kic'rr,,'sa!e a !crcdt PAYING INTEREST w n I i&din mmicirsioind ct dsesoi th- wxt &lateran! Aye rppyt!i Nr vgaiar&r t ',:I I / th P ', n"'t Ou' m, n&l vou '1 d osier fw! hy ihi p evi ni . Pi n r nt 0 ir' i ), W '':n I, Iv,.m rp toi'ta!; !r Irar"',"" )nr,(11 Ar!vpn:pspnd riai'ar;ini!1'p CALCULATION OF BALANCES SUBJECT TO INTEREST RATE 'litic ) & w) ti' in&1 d 'o1dl (itfp i ) tn«rrinti) ing of P irr lese) We &le the E/ Iil&arulw rig r .I ria inr v I)ill,„r) 'p,,", idim.. ciitti&,hilildDr,,st,;toe arit'I, ,i» ot 'ti" ldi!) r)8 .ir rs bv t I p ni I Iv I of I" s in I ir bi'la 8 c) r Ic i)Iso,'„ri PI » i* &n N: &n:.! &* )Idicrwi !st.'iirw",rlc tv(,t kc the «, iorr I equ)t t .Iv .iplkrc re Dm) Peru lic I alc n I iohptlb, I'I p ev«e&D scl, b ld)crt&!I dlnmilkircnases n wAC Punt!Pcs aid lcvlransatton /, idc.""„ii, i;cl/.,iccl,rrlidaigi:ivlw!arirpli r,ler ndnpwC) h/'oven&&Bi V!r caluiiarp siqiar'c Bear .cs Sub!act to as! )tei cat flare fo Ba!ar m Iransfp 1 (as! i I'e!van v& drd t& r ah I Irr dcrctmy or I'ron otiondl Offer oa anrr cnnswtinr c! 8 &linc& I anth ra (a hrv'.d, *. !No&kit'hisb ilirdr ilairpd&m&rtybdidiveior&ahddyint/vssmtrrricnt) TOTAL INTEREST CHARGE COMPUTATION l)t "'I('sim& .I& 'I &,, " ii 0& PIC. &Ic&1 ~ ', I/!'11&) Too I&" niinerh. *im est v &Ah «. ! I, i r ',.I p«tcrltnwpe 8 Ir I i)I & )pk'ah 'DaiiyPcr)! &Dim Inw& Itin/& '. " I,llni cvclp vr c&'thpppnod&r pit ilrereii(hdigrsu)get'lpr/i!Bat) HOW WE ALLOCATE YOUR PAYMENTS P&n . 1 srr d nc ' o poHP&'e Aves It you acr ouinnas od!ai msvnpirpffwpn /\f'ilv ":, 1!," vd,tvr" f ~ . 'I die:» ai I-ised c III&" 'I'is 1&wi) r"'i n1(miiwi 1! IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE ) PU in& d&'&I'I'1 I'go«'' 'Dnn)(" I& I ) ilia'0 wno" v&e "dl )wl&'d\ til tvdl )I&PNI)&1 Pic'I'ndy apf'Iy 1&'&pc 6 r! & 'Irr.' cdi cl. cd. «Is bp&('lc'ht' tip&I&I!rri p iir rlpnt ilatp aine ua/p)vii nts car)i of!)r cdictioi nit&pier! YOUR CREDIT LINES MISCELLANEOUS '1(,m 'AYMENTS If your bitgng address or cnntacl information has changed, or if your address is in&on art as &1 appeat s on !his b It. please provide ag corrections tiere . )&Pen&)sn&): &tire: vsvi ss 'v»pdr &I:. i; "wtic pain.ni s 248- BailkAITieriCard Cash Rewards" Bankof America ~W Visa Signature' ~~ 6492 August 27- September 26, 2016 Page 3 of 4 i e ear&,o& D ro poelmp D ie Deer pro 4«»" oer ry mee roi r 09/08 09/10 09/1o 09/20 09/21 09/23 09/Og 09/17 09/16 09/22 09/22 09/?6 Purcha es and Adiustments QUIK Si OP 90034 QBO SAN JOSF. CA (VM SUPt RCENlt k t&5884 SAIJ K)SI- CA WAL.MAR I ¹5884 SAI4 J(ISSE CA SAI EWAY STORE 00028159 LOS GATOS CA WAL-MART (f5884 SAI4 JOSE CA SAFEWAY STORE0001&(837 SAN JOSF CA r'39 29 )I 1196 2092 3912 0821 5492 5492 5497 5492 5492 5492 23.00 82.64 13 53 27 96 30.26 2 /.96 $633.20 Interest Charged 0&3/26 09/26 INTEREST CHAF&GED ON PL&IICHASES TOTAL INTEREST FOR THIS PERIOD $ 97 88 Total fees ci)aigod m 2016 $0.00 Total interest charged tn 2016 5 /00 09 Ynui Annual Percentage Rate (APR) ts tfie annual interest tate on ycui account Purchases Balance Transfers Drrect Deposrt and Check Cash Advances Bank C1sh Advan c Annual Percentage Rate 1 'I 9 9 I.V 11.994V 17 24'&V 19 49'&V Promotional Promotional Transaction Offer ID Tilpe Promotional Rate End Date Balance Subject to li)tercet Rate 39, 61 1 . 4 6 3 0 OO 3 0 OO 0 OO Interest Charges by Transaction Type 397 BB 3 0 OO O.OO 0 OO 34 HAS&: EAR)&ED THIS HOHTH 2 64 BO))DS THIS HO)&TH 103 23 TOTAL AVAILABLE VISIT BAf&KOFAHERI& A COH ( ii ii iimi ! k sr( )))i lit&)sr \ mi I is) & nrl i&iiii)li')Ii il&iii . ))i&i&i tinp( . I&, Slit) i liiii:i)i&i I I Une )i)nr nr )t err nrth & mfi(lcn(c &'heck r)ut thc 3'I'htno. ti) lni n" .&I)n&rt (oir lnnmu t)r &). innr," i)ink& yam&'ru ) ( )mylu)cisnm(nt aml cli(hm ni thc A))to I. Hn floe«s r it& Tin. 1 ~ nnt ) r i mmitm(nt ni lm)ri. 0) «l)t, i)iiir r r t ) i»p) i)) il. Si»tcml)c»6 ('iul(Umnrl r'nn&cr &nrurcncss tl nrh I'iic min n il & l»i&itin. (.,inir t 6 ri& ti r X&'('3) hr II)e cnsnic nr I'emily ha) rn enduri thc cr!)t,&nrl li()ttnlu ilr tii'p)r n&(r )n 6th firn &Ir)n th'u U bin)e if th n &h)lil Tr) I'irn mine)&)t'Ihi X((aiirp, 219 220 BartkAtttericard Cash Rewards" Bankof America ~W ViSa Stgnaturee MARK A MESTIIESSAT Accotsit Number. ~~~ 5492 Septembei 27- October 26, 201G Account Informatioii tvithv ii i ill((&t)i it'in i k&i ( I &ill Mail billing inquiries to 8 ink r f Amm inn I'(i Il &v 93223j 1)1 Ri. f'R ih!)93 I!:.':I,& Mail payments to Ihink nt rtmenca ILO. !inx 1501rl Wiltnitigtrm l)i', 1968fi 5010 Customer Service: I 30t).4:& I .&110 t I 300..'546:) I ill 'I'I Y I fotal Minimum Payment Due Payment Due Date .$ 19. 00 1.1/23/1G Late Payment Warning: If we do not receive your Total Mititmum Payment by ttie date listed abave you may have to pay a fate fee of up to $37 00 nnti youi APRs may be increased up to the Penalty APR of 29 99% Total Minimum Payment Warning: If you make only ttie Total Ivlmimum Payment each penod, you will pay mare in mterest and it will take you longer to pay off your balance. For example. Qyv&M New Batoncc Total...................... $ 9,8,&8 78 Cilrrprit Paymanl Oue ... $ 195 00 New Balance Total $ 9,838.78 l otal Credit Line. Total Crerltt Available ... Cosii Credn Line Portion of Credit Available for Cash Statei&&arrl (.Io*iiig Date Oay. in Billing Cycle ...... $ 21.000.00 ,$ 11,161 22 . $ 10 50000 $ 10,500 00 10/2G/1G ...............30 :':-:ll ;'7,;.. "Jj'i) v':,:;:,/I i",'jr!',A&s/),.W&i~@™~~wJygl'vg::, Prey&uris Bala&ice $rJ,/98 44 I'ayments and Ottier Credits -300 00 Putrhoses and Ad)ustmcnts ...., .. 242.21 Fees Charged ......,..........000 Interest Charged ..................98.13 Only the Total Minimum Payment $3?7 00 23 years 36 monttis $ 1.8,858 00 $ 11,772 00 (Savinps = $ 7 OBG 00) If you would hke mfonnation about rredit counseling services, cail 1 866-300 5238 hapmcp i npvrcg p r 7)pip amnvnr Payment" and Other Credits 10/2 I 10/21 PAYMt:iql . IHAiqi( YOU 3700 '92 - 30000 ivni - $ 300 00 Purchases and Adiustments 0')/27 !JrJ729 SAFLWAY STORC00012cJ30 C)IMPI)ELI i:A 09/2ii 09/29 QUII( STOP 40040 QBO SAfl JOSL CA 088/ r)86(5 scrip 5492 1347 2/ 00 5 4'l2 BANK OF AMERICA P 0 BOX 15019 YVILMINGTON DE 19886-5019 Account Numt&er ~~~ 5492 New Balance Total Total Ivhnimum Payment Due P ivii&('i it Dtir: Dtitc $9,838 78 .... 195.00 11/23/16 MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95118-2325 I i&ter paymenl an&cunt 5 M iih p I 4 thi «I I.p &ship i apnhpiAm rcp 5L,'0 2ii'21 /MPORTANT/NFORMAT/ON ABO(/T T///5 ACCOt/NT Cf-f)?f)o ISCvb/16 CUSTOMER TIPS FOR DISPUTED ITEMS Iuii) irrnri I& p&mtrtd *. distr;»,mm; (ts;i 'tidlui &i: I/ ln"""Ii, r/o "u&n) Initio '& inn\ vrxlr ihilm&r ltld I&m,h;1:, ", " '",, lx .. iprororhng«r c")ent ~ Has a credit posted to your ac«ount) Or I txe &'I'I 'I: I 1 I I v In I &) 'ii ~ Is the charge or amount unfamiliar& Lr)e kvx nod&& pc ionsadd r'riir i In&i &:I: d; cn&:!r&t i&, ii, I ic/c."lr-, »rmunts; ne sihtercnf&iirlv r&i&ni dr&I,O,, roil ixivn mirr" icnl .nhm I ye&ni& .a len )ttrxl ri Online Banking nit&,.; ': rv i Jrir'ress on (I r Iron t ol tom stare 1)r ni c live &rs a call Please remember. tf you find an en or on your bill, you must notify us no later than 60 days after we sent your first statement an which the error or problem appeared to preserve your bifiing rights. ONLINE PHONE $7)) i.l!662660212 MAll Attn. gifting Inquiries, PD Box 982235, Bf Paso TX 79998 & i.clv Your Name, Account Number, the D&spuied Amount, Merchant Name, Transaction Date, and reference number if lt c '. Kix t& rf &mn dnld si)I" i i OCI its & ep x &1K" y iur I/Iiol tc xtr I d&'&g 4„& *. nl nvvmu vi h rt i r i& imant i &I ihi nwrchinih r spun c mr; ch in I,v cr I'Ionic,ixiur/r,i&t i!&Oin tail! riocum&sr i& mi, irxl i& ii 8 iate „ id &i en t ; 'U&nc'&i &cnn tc& n& poitdg 'enon «" & 6 li,la p&oJ CI 'nv '&'n PAYING INTEREST We)slit (1(&thol c xncl )lola 'I I ."" O'I t' OI &t NI & \' v &10!1! '-// It nro lotalui fiitffwlt r t&dm&n t Dew D ir dot yoi) 'i ', aru 6 ',", It I p oiio ~ Ibvn I» !X'rwi-'I 8 l%gn1(t ijvi/nlif'Ie I )OB I: n:'.",» (c- a",(xi Adv; ir.ind CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Avei iD tbi!y flet ini, I/ tl r4 lri& hidxig ",, Pivlt&dies &r&frx/urlo l ri I'r(in r)u r)d Otterhidncec&lns&)&I&i o i'I&&tusl'1 W& lollnfD/!I &I, n& ing ir'lb bid.rc'ri &i I rl:,a,mchilh,;r;r';,r xiv:I'I'ird i!; rii Ang lt i .,in of ttm ladyodfmicrihv I r ni I 6 ref I: &re I'&ebdI'', c&'" &oral&It tc&h& IIii;:ig;»r for I KI dd/&n'In)' rn&»1st,'I I "„",,;, I'ki itx &ncprevmcida/sclwtyb r nn I I,.fan"ilhr 6 Kes ewArcoint crs, irl Iv, lrinii tmn I'I' id /drr& /irmge Bate tr r. trti tncd,'int I d&ng &, n/ Bxfdnr& I "i &lorn .)n I ncv. I, 'vwviv Wc )lens)teseparate Bi'anre&S&bren in an Lmeicsl fixr'o i!alan(o Iran." s taxi Advarires ard to&each Intrnductoiy nr Prov noon, I Offer o/mn e &nmisti & * oi Liibnre 'nsir;s vr(dshArlvd&xd We tnlh&sby fli(dl(itin'ngddailyb I'i rc': cd 6&is .'&8'','l,.leri(t t, "c c'll n', t tn c11h /ca rc Ic» d I'&'I '1: I I /&1 /I'I I TOTAL INTEREST CHARGE COMPUTATION I lt "i IC'l I pes&I ~ uc i'8 I'econ&pe&'nd '8 one duly f1)iis inrv tmmiic Iim iir., si 6!K r r 1 'Icl) ca&I !'tdldv r.'.,ilh cl min&a & if), &c 6/i&soaps(alii Daiit I eno&! c thm ,Iud Pin&'"Si/tnii ihmleillb&i Ono tbl'& C;',:I) 'I&tint)'ri; u(b kidr! ir r. In&;",W in most Ltmrgc f: r vir'brtlxig (yet( we dc!u Ne I'irrou( Bate tntereii tli rge. O&cemvr " f)w&f ''. Odic Bat&'nii&ilvmo Li'd&vda Itw&An&xinl J "cultic 'ader byBf 5 HOW WE ALLOCATE YOUR PAYMENTS t&dvn en & i e d!I( idled i(i i)osie(' itanres I'oia *err)uiit na odtar & ~ vol&1 cl finn'ni Atws '. '/& Id cJI n1(.n I" x'I of Inc ", I('1 c'O'Iil la I'Ir IIIII I'ixx'xilI Pn "I'& I Dirc m "o I I &s /ot& ix (csl itimrkrhngirinsi c nict)isa!re&(I is&totem rn Iby'1('I'11&& IO' I f /o&r 'ol / lvlni & r tnt nierx l)i c'iv&f1 tx, ppimcl to t ibi n i iv&!I' CI &'r Al'Ii IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE pm I"i &'". » o. i»co/ma&i",c'i&i &utxi!i'it iriyoi M,,sire You in&:I xi tl dnx& Iud&'CI'&ding It &'d! I !11111&'I '. &o&)'o I&plot&duo&i wt I'/I Id)K \ill& ( x lv 'I Ol'"dirc & A &ev mW apfrty fcr r xpe loadie vi e io caner-:I. Mtl us before tl«scfwdulvil paym& nr date Birn! r& / I a)men&sr anr&ol tir. & c! &ed rii ei)mlerl YOUR CREDIT LINES vi „„:i h,;&drkf,s!idled ir:: 6 . aqeBO&i f&u&/vtv) O&(nnuiiothlk/(d.t NN t:" , i v I'7(: (:KI'vi,i '&r s ."," L!1, 6!r/i' 1&x A'!vxt".'v „xy& r'!1'ISCELlANEOUS « ( . ":. r«: ', . '.. PAYMENTS If your hitting address or contact information has char&ged, or if your address is m&orrect as it appears on this bill, please provide ail corrections here f 'I'c. Ba'," fmly1'In& )cu Icve -. )1&&sulu di I lih -"odiirx&s (leis lit ". i ":.:. iten; o..n cl I 1 sctieduied tn occur 1/1 C( Weri P'i one BaftkAmegiCTTTd ~ Cash Rewards- Bankof America ~W Visa Signature"' ~~ 6492 September 2/. October 26, 201G Paya 3 of I N be N,v&cwDere D rc D. rc/&rbc 09/28 10/02 10/04 10/05 10/05 10/11 10/13 10/15 10/17 09/29 10/03 10/06 10/06 1 0/LIG 10/13 10/17 10/1 7 10/1 8 Puroheses and Acfjustments WM SiJPEBCENTEB 95884 SAN JOSE CA WAL MART 95884 SAN JOSE CR I 000lviAXX¹460 SAN IO SAN JOSF CA DOLLAR TREE SAN JOSE CA SAFEWAY STOBE00009977 SAN JOSE CA LUCKY 9757 SAN JOSE SAN JOSE CA S/il-EWAY SIORF00009977 SAN JOSF C/I SAlf(NAY SJORt000099// SAN JOSE LA WM SUPLRCENILR 45884 SAN JOSE. CA 6057 29cJ6 365G 4461. 0098 222 i 0143 1397 7978 5492 . 4(J2 5492 5492 5492 5492 5492 549) 54(J2 20 28 36 78 4IJ 0/ 11.61 13.17 3 i 00 61/ 2 49 38 17 $242 21 Interest Charged 10/26 10/26 INTFBFST CHARGED ON PURCHASES TOTAL INTEREST FOR THIS PERIOD 5492 98.13 $98 13 Total fees cfmrged in 2016 $0.00 Total inteiest charged in 2015 $ /98 22 a~AM/'s" ''I,b"a"~.i'ISh'EB. Your Annual Percentage Rate (APRi is the annuat mterest rate on your account. Purchases Halancc Transfer" Direct D 'pc rt v 1d chock cash idv,n c Bank Cash Advances Annual Percentage Bate 11.99SV 11.99SV 17 24SV 19 49SV Promotional Transaction Type Promotional Offer ID Promotional Rate End Date Balance Suhlect to I&&tercet Rate $ 9,95/ 30 $ 0 00 $ 0 00 0 00 Interest Charges hy Transaction Type $ 9$ 13 0 00 $ 0 00 $ 0 00 AI't'ibe Obin ton. 0& ll I t-,"Vt:;t, iin* V-y,,h'at i t- may Varyi 2 41 BASE EARNED THIS HONTH 51 BONUS THIS NORTH 10$ .15 TOTAL AVAILMILE VISIT BANKOPAHERICA.COH ti«vit nrir 'ihv inii r in ii. r i m 1'i,i &,iirl bt iiiuiir..iii riiiiim miinrhng ('i birn, Hsm's I'iuti . nnrl iii'5 I iii i i&0 nett I 1( u 1th ( unfi&irni f flic k i in( Iilr, i fling. I itnmic,iti iit & u bi&i hlf,'li'Inn&Br( lbihiu t I&hei li I ('un1 I hit& &i uli'ni,&&&if & ll\ I nlk in Iilr . Iua Maul il Ivlr I iti I tu Ih h il:I r ihuhunlrnf I fr'hii. ( I &'iiu i ~ ilk It I i If&fit'r I ii. Hil I& I iui rh \iiilhvili it&'« iir'll «1 ' & I iii Ii in ifi 0 fink I (nii(lii fiji unii finul\iii if&i& ui 0 & 1&err iii In&&i&in'5, &&if, ui&P ii il &niff&i&i iii nfa if&& .,I 01 1&s.'i ie fiji& ln,in i nle .,I ', irnti an i ¹ifi1&nk, r 11. Ir ii&0k itiuni'I'u I I hl iihiuui uiiiirir'I, 223 224 ’mnk rlf‘z‘unvrim is proud lu sponsor "le‘k ,~‘\mm‘i(‘:r Since \"lHi: And Still I Riw" \x'ilh chljy lnuix (hnvs, Jr. ’l'nm‘ in m this 34])w'inl nwrpm't (luclnlwnhujy, smrting un Novmnhor 15 at 8 p.111. ’liastorn, only on PBS. BankAmeriCard ~ Cash Rewards- BankofAmerica ~W Visa Signature" MARK/i MESTBESSAT Accoimt Numbei. ~~~ 6492 Ornober 27- Novemtier 26 ?016 Account Information icii ii'ilt ill(i lfiiiiipi livi c )iii Iylad biihng mquines to. ibmk nf rani rk n I'0 1 luc!)Bag)5 I')I Pn.i 'I'X irli)r)8,i/0 Mail payments to: iksnk of'mesica, i'0. )tilt 150ip '!Vibnmmiin Dl'l')0886 5010 Customer Service I rg)0 Ct I 2 1 I 0 il.dpt)!')4bil!78'l'IY) Total Minnniim Paymc*nt Due Paynient Due Date $ 201 00 .. 1? 723/16 Late Payment Warning. If wc do not receive your Total Mntimum Payment by tile date listed above, you may have to pay a late fee of up to $ 37.00 encl your APBs may lie inci eased up to tiii Penalty APB of 29 99% Total Minimum Payment Warniiig if you make only the I'otal Minimum Payment each penod, you will pay more m interest encl it will take you longer to pay off your balance I-or example 5, K New Bolancr: Total $ 10,078 77 Current I'aymeril. Due ..$ 201 00 New Balance Total .. $10,078.77 Total Credit Line Total Creclit Available... Casii Credit Line Poruon of Credit Available foi'asii Statement. Closing Date Days in Billing Cycle $ ?3,000.00 $ 1?,9?].?3 .. $ 11,500 00 $ 11,500 00 11/26/16 31 Previous Bal~nce ..... $9,838 78 I'ayments anri Other Cree!its.. -250 00 Puiciiases and Acliustmench .. 387 77 Fees Charged..................... 0 00 Interest Charged................ 102 22 Only the iota! Miliiiriuiit Pa)iiieiil 23 years $29,340 00 $ 33b 00 36 monilia $ 1? 06000 ISavingh = $ 7,280 00) If you would hko information about r:radii counsoling services, call 1.866.300.5238 I a irucip Posilia Ners e vp hprpphi Ppip Pare Ppsp Ipri N I:s Npmhvr 'ri Payrnenis and Other Credits 11/?2 11/22 PATMCNI !lb'Nlc vOU 3734 549? -250 00 -$250 00 10/24 !1/01 10/27 11/03 Purchases and Adiustments SAIDA'AY STOBIOOI)0!I!it 7 SAIV lOSI (A SAFFWAT SIOBF Oli(i?8!Sbi I OS 6 i(L!5 (4 0042 0767 54!I? o492 1717 6.( 41 5492 BANK OF AMERICA P 0 BOX 15019 yvl(MINGTON DE 19886-5019 Account Number ~~~ 5492 New Balance Total (otal Mirhrnum Payment Dire .. P iliiieiil Dirc' ilc $ 10,078 77 201 00 1?/?3/ I 4 MARK A MESTRESSAT 1455 LUNIIIG DR SAN JOSF.. CA 951)8?3?5 Fntei pa)mrnt amount 5 M Iih. p I* 1 iihip h kp r hi i a nkpi Am 5r.l 2I!s 225 IMPORTANT OIFORMATTON ABOUT THTS AOCOIJNT CUSTOMER TIPS FOR DISPUTED ITEMS leam I mes h iuu l(t aig s xvl iui:,i iiaigcsttoliusl mes nie(n 1 cumn i 1& Iy '!( ' 1» ", I(i dc'B)ilt 1''I 8 ' 'I 1( I I)t! 'n I v',iltiii ( I« !i(as! 3 I I cti((IN 1 Ji) Jasiiy ", ti &. It. r,ii,.uiv Tl, '!1l hal I) pl!C!1, '&J!'1'(r, !illy 8'(meri «i ynlx Lii'I ui o I"Ix si.'&IC I 'll! ~ Has a credit posted to your accounts ~ Is the Diat ge or amount unbmiflars Cl» wiltir its r pvisn; !)Ix nvr:I io,rc ilw d count ir) nei *sut Inrg clirlrr imdkr. I t(tc I cl pit',*if,i:1'i(: vid Jn', taiv I!Cii".',, dcini virrir: Jr( cfiffi enloi ""' 11« i I Liu; hc (Ol' ( ( wld 1 'till ir 6 Ii(in .& If& k IC I)ps Il lc,) h tl ( I 'Oi I ': ll I ( I 1 I'li'I& &ra',''(ini 'I (11&v I' '( 'k JL (('ill ! (0!'I'I cm(n nc m iiiv Ii yn i itr r r( roll:lv OrdlneBankhtg i';ci yioci rnllu ingdli Nrli ddd ac on Lt c ltoni( I yout stdtenmnl oi pvc us a iall Please remember: If you find an error on your bill, you must notify us no later than 60 days after we sent your first statement on which the error or prob(em appeared to preserve you& hitting rights OEi203 Rm IIII6 ONLINE vi N!(1( m ci ." I,i,(s I, nii ovi 1 PHONE I.866.266 02 I 2 MAIL Attn. Billing lnquines, PD Box 982235, gl Paso TX 79998 'A'6 n,)ruin(,pl ..isc: ii'.3 Vour Name, A«ount Number the Disputed Amount, Merchant Name, ftansactlon Date, and Reference Number Il'I disput d ttem iril sue(itic d-tail. ivcaiclmg)ou«tsputr,e)rludvigdmes r)fi Jntw( rid& iheincictmni ainu lnennichainsi",ponsr inei~ t i tan« Please ttiil )rk Jg suppei uiig rkiciln & i Iaiion n!dud aik Jl )a i I r red n &nt'rh«c,cn Irart and p&" t)g( res&an «eh)is, r,olor,tn) '(tuiiis PAYING INTEREST lllc "18!I,v h)iv&' lt('n'«( I) Iv&11(l Jls&'s (I'i 'L"I )L!&(1,&villi& VOL! OJ) Itle Ncll Bdldi ce 'fital!J I! 8 I ) It Io)rn ni Dur l)1(v, ridciu harl paid ~ 'uli I! )IN ri cvious Pimtvni ()rie Dam 1&8 v ~I!«tin(t«iUr f v tri )tourt laixeTr ns J) i i)( I hhban cr)r rn Ir)n I tin!date CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Lv v i c 6 ~ 1) Ibla 1 r kk! ii rl hnr lrirlmg ncw I'u ( tid 1:„' 1!11 8 Im & '1,, (llcia I)mell(tv loi purcnis(w Ji'dl r tach Ini(ortu(cni oi I'i miouonair3i'&rb I nrc i sisungr!puidia Ls W douiisby (llc)irulaung 1 Ial,bnvn« '(,,I, ((ii( i I'( bill ig crlc vi;Ir'1 r( plhc hii(hi,rrr ",Ingcdici aid(3) In!A&rig nu,lri I')'l I'l 111n1C(C br ii e n! I ti I Of naD irl I ii I(dli I( & ynr 'n,vl ulctvit ddihln)ice!irvch lai i Iiu )rarcn crirsbrginpip (ewe Ilirakv(tie i I (h'Ini I J Ji' I,.)Jd il'n !&JI OL!I&J&ul rll 'l edi)L'3 'lh'I 'l legit RJIC &I'L hip(I( J 6) uir p( vi& us rlav( Llily I alai & l3) J kl wr Purr Is) . s nr v Arir un& ', Js v! dna,r in)dr (ion v) arid' 'l l ' I 1'I c 0' ' ':. I edr(s lr)n 31 baW) ('i)I«et! Jnre! )On AJ rigc. 6)lan«mvihnli ~ rludirl nm(Bdhnce Tianstrrsarirtnr«Ci hAdveiie)1 W" r Jli L,l,im si p 1 ate Bdhnces 'hiac I Io,in Intr rvsl (tate for I(alai)ca Ir ncierc, Cash A Ivm)cec and ioi a(hlnrrodu ion ci t'rumott)na&()ftei balance &onsistir p of t3alan(e hans(cia nr Cash« lvanr 1 PI k rtvsby (II dieu( uncadiiiybildnrc r)r victi Jaymthr a!air ments I,fi':( Llc '2,1! Lvi I, i!&d;! '.: ..'Iir J(i (IJ( pc (rt ~ II t;,ml r vntshil'ingr)civ .I'nba I(dr'I t &1 Ji. Jiioi in&his Llicrftifii I I I I!If,'(R 61', It&JR)s! &&grist('( dli 1 Ibis .;,: In 6 Jg8; (lail),l ncsrrs it&I err(i!(rlc iitr (6 cur iul v ihr:s( (nr ri(s xyrm I Ic,v( tlluit ihr. 'l'h ''1 ,','. ' '.. ''N«vcl" «' die I di (I 11 I )J !I\« In" i&el In f'v( 'oi 1 TOTAL INTEREST CHARGE COMPUTATION Intcttwl Chaip 1 i ctut Jrx) are «n ouvtul d en 1 Tati) basis tu i Ir:m» "Ih ..".! rrst (lidrgt cv&emultielyr".ti BdldxeSI;,t ir In!'n(i,'Jig its i I vrdl lr (3nl, I "inm IM'I ,)ndlialresuli )smolt!Phc Ibycti runt: i ((la siirl . 'rl 1(t c' I«m .: rl( tnr I Inleieci Cliirge foi ttw btllin Lyclv, vcv artrt;he I'v)r.dii gati. )ni *r nr (l,)r gas u I,*"6 .i A Duly I r'1!OC(!C Rl(f's(du&& a)l 'd by ki dliig I!I a&'I&Odin( i ili, ' Ir hl 3( 1 HOW WE ALLOCATE YOUR PAYMENTS Payments Jre ltn(J(cd topnsrvd eddic(. ()Oii vcm!irtha bahn(cia(id dip *rri)tAPRs kiwcs!APR bi &it('s Ii 1 (il (li liiig "11)„ l(i)c 1 a(i, JI'I lhi 'NI-n«ut ',ldn I'!.Nn('ui'tc inc i. 'N &n! r I'olalhlv)vhirr PJ invn;lhcwilllchrli tin )i i«ov(itl I i)tici A! (Ic IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE 'IVI'c Iu v'8 91 lip& n)1',1'/ 1) PI ':( vi )1 Ii.,iu'( I 'J I riel amount and ti! Ingofe) hurri;n( fot;vi ~ pmu (ioic,cwiilev Ioi &ivniyinbimc(wii A tec (itd)')ppiy foi . xpedned service To ranr I. (Jg us bivuic tti sch dul&&l flu)I(le&'I dale Same riaypaymvn('annolbe ed&i I or «elect YOUR CREDIT LINES por!nriolltiilic Jvdli'N I'or! (t 'Jsh 9 nt *, 'r'(1 I I rl li ',u I! J)ivu I), 'idw OVaila)IC &r; inkC) I Ad„:!.m uvrs',i(,,Ban)i in&a(le&in) n i" i' ll(J I C«h, MISCELLANEOUS . clig iai v,ill i. tidl(n)tkr!'fbi(J i'r;1 "i( N,,tk.i PAYMENTS If your bggng address or contact lnfornration has chan gr d, or If you& a((dress is Incorrect as it appears on thrc bill please provide ag coirecti one I!erc )I!!1 lt ( utv"I n '! l)p('nill ci)'I lhr'I nil&a'1(l'onic(1 ")oui cuit(I 'lent . n; I, -', I », 0 i lc;i - liar )1& b«ih„ivil: v r~: Ji"" IIN I 'ci »:*(ncrt(c wdt )(J I . ",',JL! I If'.' I cl li ail'':I'liivd 1 " li'!'' ", . »'i,,l- i I . («1 L nii i In !n ' Ji, oil I p„; 1 1 1 rl .... I I 1.. !If) in lvv lvn (., J:"'sn I v I, 1 'i:1 IOM )rrl T"'; r Assist(ATA'wnlor I 6 den p r I ,«g«nlri nli' 0( w m!Jth i din)niv\ w -i «v t)uut'r 'sar r 8 os(o; pa)il L 1! ynu, Ivttc i musl i ac!i us ai Icos( dlice Line)ness days I c lore inv dulmnauc paymcilt is srheduted to occirr Ad ress. N c,l «1 6 I I ( ' Work Ptmm BattkAmegigard Cash Rewards- Bank of America+i ViSa Signatures ~~~ 5492 Octobei 27 . Idovember 26, 2016 Page 3 of 4 Dele Dwe De eenrrcrl rl I 11/04 11/07 tt/08 11/09 11/14 11/16 11/IG 11/21 11/25 11/07 11/08 I I/09 11/10 11/16 11/17 11/Ic9 11/22 11/26 Purchases end Adiustments SAFEWAY STORE00009977 SAN JOSE CA WM SUPERCENTER ¹5884 SAN JOSF CA WALGREENS ¹2384 SAN JOSE CA JACK IN l)IE BOX 426 CAMPBELL CA FOOOMAXX¹4GO SAN JO SAN JOSE CA WAL MART ¹5884 SAN JOSF CA SAFEWAY STORE00009977 SA)9 JOSL CA QUIK SiOP ¹0034 QBO SAN JOSL CA WM SUPERCENTER ¹5884 SAN JOSE CA 0121 5149 1816 0664 8140 0078 0118 37/b 7 746 54r92 &492 .&492 5492 5492 5492 . 49? 5492 5492 16?4 74 15 4.14 5.22 67 ?4 30. 21 16.17 20 00 71 82 $ 387.77 Interest Charged 11/2G 11/26 INTFRFST CHARGFD OIY PIJRCHASFS TOTAL INTEREST FOR THIS PERIOD 492 102 22 $ 102.22 Total fees charged in 2016 $0.00 Total intetest charged in 2016 $900 44 .0 .'lac«decree Pre¹nyaAE¹ mredaygeeens&"-a -Ca'la =~smsmmm" &Re"*,;Wress( ~~Jr S¹ermtrme 'a 'P Prem Craig i atulat«ins! Ynnr Cash ( relht ) ine has been incymlsurl to $))5&0000. ('nni I atnl itiuns! Ymir Tutal ('I edit f imit hms been merce«crt tn 5?I) i)0(i (X). O"'Tm~kebe'&*Nmgkg"'e4i..:"a:*.*2 i!M~@""daa e c Youi Annual Percentage Rate (APR) is the annual mteiest rate on your account Purchases Balance Transfers Drrcct Dcpos&t and Check Cash Advance Bank Cash Advances Annual Percents e Rate 11 99SV 11 991V 17 24(v 19 491V Promolionai Transaction Type Promotional Promotional Offer ID Rate End Date Balance SubJect to Interest Rate 510, 03S 29 3 0.00 5 0 00 0 00 Interest Chargos by Transaction Type 3102.22 3 0 00 3 0 00 0.00 3. 96 BASE EARNED THIS IIONTH 3 97 BONUS THIS MONTH 115 99 TOTAL IVAILABLE vtsIT BANrcOEAMERICA OOM ,ii o a ' ai I 0 l ia 0 0 I iul'i.,l r 0'll liuil I ',ill'rluii,. ulrliuhnni rr ...un. I hd 227 228 BankAmeriCard ~ Cash Rewards- BankofAmerica+A Visa Signature" MARK A MESTRESSAT Account Number. ~~~ 5492 November 21. December 26. 2016 Account In formation !i'«xv.ii,iiik I,II!i i&&;« iii Mail bilhng inquines to IMnk i f,tm&. i i& n I'0 If )x l)R! GS I'.I Pi i 'f ( !!9(!8 ';!'Ii Mail paymeiits to: Bnnk i t .1!um ii,i ILD (1 ~ x 11019 (Viinnny(im Dl: I phh(t 50(f) Customer Service I &it)0,4!! I ..'Ik) ( 1,3(X),.'la 6,3173 'I 'I'7 I Total Meiimum Payment Due I'ayment Due Date $102 00 1/23/I 7 Late Payment Warmng; If we do not teceive your Total Mintmum Payment by the date listed above, you may have to pay a late fee of up to $ 37.00 and your APRS may be increased up tn t tie penalty ApR of 29 99$L Total Mimmum Payment Warmng If you make only tho Total Minimum Payment each penod you will pay more m interest and tt will take you longer to pay off your balance For example. I... I i 2 I! ',!Ktt(n!9I Cent, @XN~%~N'-,'%~4@~'~„.RgA '," Ncw Balanco Total .. ..$10,412 48 Current Payment Due . $ 102.00 Previou. Balan&a Payments end Otiiet Credits P&irctiase and Adhistmerits Fees Charged. Interest Charged.......... New Balance Total Total Credit Line Total Credit Available Cash Credit Line I'ortion of Ciedit Available foi Cash Statement Closmg Date Days n) Bilhng Cycle $ 10,0/8 17 300 00 .582 08 0 00 50.73 . $ 10,412MB $ 23,000 00 $ 12.587.52 $ 11,500 00 $ 11 500 00 12/26/16 30 Only ttie Total Minimum Payment 24 years $ 20.323 00 $346 00 36 mon!I!s $12,456 00 (Savmgs = $,'1,861 00) If you would like information about credit counseling services, call 1 866-300 5238 1 1) & ( cv:,::r 'e&e ce Acc &c i rcrc& Payment end Other Credits 12, 22 12 22 I'AYlv!LNI IitnivK YOU 5!J2 300 00 - $ 300 00 11, 28 11/30 11:K) 12,&0" Purchases and Adiustments SAI I Ai&Y 5 IORLOOOO&)911 SAN JOSI CA I OOD(vlAXX11460 SAII JO Sltit JOSF CA 1402 6904 54&!!) 5402 21 7!i 21 18 5'l92 BANK OF AMERICA P 0 BOX )50I9 WILMINGTON DE (9886 5019 Account Numbet: ~~~ 5492 New Balance Total Iota( Minn!!alii Payment Due Payment Diio Dail& $ 10,412.48 . 102 00 01 23, 11 MARK A MESTRESSAT 1455 LIJNING DR SAN JOSE CA 951!8-2325 I nt&-r pa&nisi!i aiiioiiril 5 51 9 2ii'29 TAJPCTRTANT TAIEOTTMAT(OPJ ADO(JT TMS AOCOUNT ! EO2C)3 ikey 11216 CUSTOMER TIPS FOR DISPUTED ITEMS ';1( I i)ICS I, PUICB tiul ('5 ii ' Bit&nut '11&gc 0 L&L(fnl&1»15 liuiy &10! '«i) 1( I ii ill 'I BJCO Cu p iii; 1 (&1)li'oil I f 1( Ii '&id '61& y I 1('ll ( "." 01) '' I'( I'i aik »&l,u i!'11 ir:r&'.ii I Uti, tsr r&i&idl)I („)am), iui !I; 1 inri,&SIT r Iiv(y\ & iiqi!iir ib riir &ba 15 I i 1 ~ ri„&)lira c&11 '( lcu(VIE re 'ipi Ii I.:I 'As&au 'I dr'I ~ Nas a credit posted to your ac&olints ',»1 I &1. If')!1&OU, I iit 10U 0 I i(k 10),«gdn'n: IV. 0&c!(bc»Die(f&'.u! I ~ Is the charge or amount untanriliar) I is (h I'&nb otli(vi)CISO &1 Jl d)0&UL I u).isf.'bf'r( )Ufi! to&&I!ih ' &i&" di('1 ck I I I 'i)J' lr!SD(sbl ifd't'i! miicbd&»1binngnaiclsi-lsnv 1 ".rc I!II, intc I&' )Ii&1" & i& L )1& bt'l I'ki I 6 (En I 'I iii ii I(wig" ' l&&L Udt'ips &I x, 1 I'I l h' r r (i 'lilsor u it I Ir)U,'!!0& cl tall r !0'( k I 1 Ui 1 .'I 'I 5!1)ci i('iii';~ x'mi lc ri ! r rlolk(I ~ i Ongne Banking i r& r i i to.r ( & u mg,iic L drli ass an tl e 'ron! of yniii stare&lit))1 i)i givf's I La(l Please remember: If you find an error on your biff, you must notify us no later than 60 days after we sent your first statement on which the error or problem appeared to preserve youi billing rlgbts. ONLINE PHONE J) I 866.266 0212)JI ,'I '"'n ' I' I'I'l'u& '! I' iw I Jii!,, I I, C I Liiil I'I u i'i»)dl )0 MAIL Attn: Billing Inquiries, PO Box 982236, El Paso TK 29998 lh'A&i . i i r i I 1 r si ld I ynur Name Account Number lbe Disputed Amount, Mercbant Name, Transaction Date, and Reference Number if & I & * &lisuuteil it m dn I (pe»i i( detail( i egarrbng your nisputs, inc luriing d iies of i unL i&1 nidi!tie nmr(ttanr.,inu Uic rrien t&ant'1 i . pon c &n each! ~ .!Jn(e Jlusil rNrl Jg.».ppnruipd icume& uu&i. ~ I kxil hsdl 1«il!redo '(I xli!'(1,&( ',(i. Iii( u'i Idfi(''!U IIUCI'ipis )5pinofot I'IV'I'LL&&&is PAYING INTEREST vvd,vill nm bai gi mmicm On puict as 5 on i tune(t statcmein if you ni( itic Nr w Bala»re 3 ulin i! Ibyitmibym nt Doc Dair 1»dynubad p)«l infulibytb rn "vi)inP&m r r it!&clnt ulc -iil lugin(fi &rgiry ~ trivet o i Balan e Ttansiws aiirf (asb lt&lvsn es( I &6 * ti, n 1(tv;»In J CALCULATION OF BALANCES SUBJECT TO INTEREST RATE A&:,1 r 13 ity Pit)n r I'rdnn Iiincl»chr I new Pu rhode;, An(air»ak si peur (la)1& c,bubi I!n sr. Iilw *..I flat( '0) Pv&cndses Ji d lui ee ii Ii t! Odis u ri oi I'romot&)iui oflr r I& unle 0 nsisunp of t'met»1!5 hue du tb s tif (it ra'rut&t rip i I ilvb I nr& ioi 0, i)ri, »tnc'&lixig 1(lc I"i Jrirfidh Jgt'&ed)&iybdinl su pei'&cr ci.'(" d»ckng tl '.,Umol die dilv iuanccsbr!beni rnblroirlal mr i& I itin g! y&i( Tn .ii nld!E!bcddilyt lari r lu& cslbclmin!Dis tatmncr isb&Binge( & .*: I'l!Jk 6 ') 1&!'j LJtJ( I( I 'Jrl i&1 I')IOU& l col!J&1'll'x'Jppli JOICO 11) 'Ii(d'ill '» I I UIOJ)i& Ibi p & nous ri i(5 laity be)an& r (33 J ki nor& PLrrl &5(s r r w A&niunt fees arri new Tui sd( iuii ,i»,l Ii(ubli, t di&pl&, &i)le p)vrn»nts,ii'd «dil( I',i, di Iv bsfe& (( i& l,ns tl 1 c.n &I Js &C(U Aicr&ge flsl r&«(J.W d ( ~ irk)ding n w 6 I nce iran 6 t" aiid new LashArfv ncei We r dl&ulate sep) dte i3alanras Bubicc I io an int( r st kate fo! Balarx r 1&ansfers, C idi 6 Ivancr s ano ior r acti lnrrnrlucinn ci f'romoLunai Offer 6 lane ronsisting of tyalanre Ir ns!e 5 oi (alfie llaixrs Wedr rhis by flu Jli Jl tinged sty bifdn« fr&r ca tidal inrbissiaicrn rn. &r l,i)f,.drL), Ii'r i 1 (i&'& Iud it.'. & r Jr i)&li', f)rir'I!oil t, !J; 'li . i! EI&Inc rir, : !n iud sa unn Ja!ep iu& ro Ibis srarrmcnr'(lifo)key(tet&ull &rb 1 r. Oiinp!41( w i'« itv) 5!1&ir,i(31,lr»g(„I i3,«irlvigdg tls da&ll 6 lac es UJI'ettw, arirli l)r))Evil " 'I c 10, i . I ii ( " '& I C Cli&(1 &'I (i 0 ll l&1 i)1&5 IJ&dl1'0(ILS I I li 'j ( v o..'..Iir iti" ul; i lir« 'u cd tirliiindirsrd! mir rsbitingrW)& (1 TOTAL INTEREST CHARGE COMPUTATION ' le 1 ' (C'»if&(&L)1'I (3 0&1 1 11)iy IJ &1)5 To UC)L 'IV&I& C'bc li&IC&C'lt Cl Jig*,i«n',ir oil &elk 3 U irr 6! (i rt i»fir.: s!R ten,i Jpplr„.lk fyddy »mr&r!i&km ~:r,it res»ki 11))inlicdn,tire)i&I infd&smrbrnifkrig(yclc f ktcrml)etb toial n!; Si(iiarpe f) ltv bilbne vclr!E&'. adl the I'eiudil Ratr lnmicst(l&argrs tr peti&er AD«ly lic'li!r i ai, ydurtf)'0»ding,v)!r)nu&lp"( nli«Rail 6)366 HOW WE ALLOCATE YOUR PAYMENTS Ibini»nts»e gnmicci to posu dl)daiir(n lfyout &ount bas balances wiihrlifferct I ADRS, ,I',I l CIC, I 'il),1 &I, I. i, .'\i( p. 1)&or I )0 I& I ) I(! R*., I N)iii&IILV& P1()111&k I 0 ' I 0!1 ; )v,".r Ai)f Ii,'„:r «st sr l&- I xlrng, &0(, r&uis mane. !Ici!bis lairmwi!I Pay! unr amour ts r» ~, w &rx r relet nims& Un "Jv&r;; I'k&l,vlf fr,ipf iud inl iran& o&v&Ib t 1 her ApRS Il lmwr /Dls IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE !1 . I r t!I . i! tJ'P (':, ib( i.sr 1!,& I,.ii!bui cull&ini!ut «. rl i i, ni 1») ul »0 '»I„l (I '&II«s&JI &I &»su'Ii 1)&Id I& u Vo )i& )SI IU!)1)'Ill'Itic amount srv'inung oi sect& n&, ri ru Cur youi 0 cre uoii ise wiii a(k "I sc(uiiry inFo ci tmn 'If 1 ndv ipplylrir cxprrlitecisr rvco Toi an( I &00 Usbefuietbescti riulcrlpaymentrf&te ci ti* iaypalrn nt rannoib. dn«io& eerie(ed YOUR CREDIT LINES i U t„i;,)ed 'mi, 'r B«h mii:"»'lv, i&, 'nc(& (iCrr'dilLi r is 0'a! Jnioiini yu»Rive i. 'd& "': ll'y pal(11 c)s & Amon . 1 . onsisr ot l RJ casii 5 fv.». " 6)&, U»r ii»E« ill,",,i:" Anii (5 can, lim (» lin csk Acivai( . Dvwduik pr&!!Cu&u 1 MISCELLANEOUS &ri I,, ':;, & ~ UI)«i) l I&'ib Pttiis&r Ir(c(ll d,l;t»'(&&v!0 ,„r k I 1, a pit,.i,i, p& (V. 'larxc,nd &Der E )tvdl r )&lsd I nl! Ce (i('., I„)I PAYMENTS Im!1,1:u,r i:wc r ';,on, Iib «'l 0;iit!i&rinor JU (ic'i«,i I ii!I C' ~ ii'Cli':Inp r»fii(i(iiv:6('ll'il)ina»C'fleI'.Ol.'l cfu&n'en "U ih)i= bu tl&, t"!.I &ters: m" i!le I' e(11:» "I' 'I ) 311 p)1 us I,, I t i,li » ix &) (I'',;I!(Ji,,f I» '&Urn L sr i;rcrl ' I(!'(1& p&cxi lsnu, be I:L& ri»pm'd'!5 r rtr &vttt „, t. II &s; A)f20 INT.'I i Assot(A(A)vinior) L 'I)E E'I'&I! ))I 'Ii' '"I I » Ul IJ ' IE)I '11" J(I&L I I 'l &1&I pamcnr you I ltci muslr ac)i!&5afl()st tbicc ousincs(oay bcrorc till au!Omat&i pilrilcnt is sr heduleri tn occur If your billing address or contact In form atlori ties et!an ged, or If your address is mcorre&t as i( appears on tb is bill. please provide ag co&rect(one bere 9 rsPtiu:x BankAmeriCard Cash Rewards- Bank ofAmerica+A ViSa Signatoiee W&W5492 Noyombel 27 Occcmbcr 2G, 2016 Page 3 of 4 r sllssrr Dme ns/4 r /re /'e/re)re RC'»r ; lsl 12/05 1 2/05 12/OcJ 12/09 12/10 12/10 1 2/13 12/13 12/17 12/16 12/1G 12/17 12/18 12/20 12/19 1.2/19 1. 2/23 1 2/24 12/06 1 2/06 12/10 12/1 0 12/1.2 1?/1? 1?/15 12/15 12/17 12/19 12/19 12/19 12/20 1?/?0 12/21 12/21 12/24 12/26 Purchases and Adjustments SOUTH 5/ti JOSI. CROC SAIS JOSE f 4 WAI-fvlART 45884 SAN JOSI'A QUIK Stol'0034 QBO SAN JOSE CA SOUTH SAN JOSE GROC SAN JOSE CA SAFEWAV STORE00009977 SAN JOSF CA FOOOMAXX¹460 SAN Jo SAN JOSE CA SM LWAY StORLOOOOrorJ/7 SAN JOSE CA FOOOM/iXX¹460 SAN Jo SAN JOSE CA RITE AID STOI'IE..988 SAN JOSF CA SAFFWAV STORF00012930 CAMI'BELL CA SAFEWAY STORE00014837 SAN JOSE. CA QUIK STOP 50034 QBO SAN JOSE C/\ SAI EWAV STORE0001?930 CAMPRFI I CA RITF AIO STORF - 5988 SAN JOSE CA SAI EWAY S I ORL00012rJ30 CAMPBELL CA SAFEWAY STORE00014837 SAN JOSE CA WM SIJPERCENTER fl5884 SAN JOSF CA QLIIK STOP 40034 QBti SAN JOSE CA 4248 OGGb 15r 1 2194 188? 6308 35/I 2 1389 9977 1?86 1502 5776 1752 3383 3348 1365 5185 64/7 5492 5492 5492 5492 5492 649? brf 92 5492 5492 5492 5492 5492 6492 549? 54rJ2 5492 5492 5492 62 60 91 27'9 00 32.46 9.15 14.53 3 Cy8 bi?0 4b.os 35.10 ?.49 24 00 60.00 14 32 17 08 19 06 18 01 25 00 $582 98 12/2G 12/2G Interesl Charged INTEREST CHARGED ON PURCtl/ISES TOTAL INTEREST FOR THIS PERIOD 5492 50 /3 $ 50 73 I otal fees chatped in 2016 Total interest cfiaiged in 201G $0.00 $951 17 .1,, ! I It I I I I I I I I r I 1 p I 1 1 fr 1 1 I I I I ',. « 0 1 I I I . I 1 « il I I I 1 I Your Aimual Percentage Rais !APRJ is tile annual intmest ratr: on your account Purchases Balance Tran fera Crrcct nepoart and Check Ca h Advarlces Bank Cash Advances Aririual Percents e Rate 11 994V 11 991V 17 241V 19 4 91V Promotronei Transaction Type Promotional Offer ID Promolronal Rate End Date Balance Subiect to interest Rato 55,149.25 5 0 00 5 0.00 n.on Interest Charges by Transaction Type 550.73 0 00 5 0 00 3 0 00 APR Iype Csfn ton Duly int reel Pate ipe v- vsrul I pct- rrau. may us yl 231 5.B2 BASE EARIIED THIS ttONTH 5 97 BONUS THIS ttONTH 127 7I TOTAL AVI IIABLE VISIT BANKOFAHERICA.COM ttroii minn! N nni in r in ii r i ni it I r itrt rrirh tin tin nlnh,,mrhnlint Bri trrr, Rrm'. 9'Intr',niil ill': 232 .8 N I M . 1 I M . 1 A LAB I KOFAMERICA. COM M1 w» 4 10 clubs indud ng (L. I'd m \vhoh . LlnkAmeriCard ~ Cs.h Rew.rds. Bank of America+A Visa Signature" MARK A MFSTBFSSAT Account Number. ~~~ 5492 Derember 27 Jenuaiy 26, 2017 Account Information. ivirii bniiiuif iin 'I it i r'iii Mail billmg inquines to ii,iiik rif Aliici'I(ii P I) J) x BS,",'35 I)I I"ih i I'y. 7!)9!Ik 2!.'33 Mail payments to: Bmii nt'Atuorica, I'.0 ilox)50!!) Wiimmp)iin i)i", lt)dkb-501 fl Cuslomer Service I 80() 42! Silt) ( I S(it).,'l4f).',ll78 'I "I')') New Balarice Tom) Current Payment Due . $ 10. 61 03 $ 108 00 Total Minimum Payment Due Payment Due Date $ 108 00 ?/23,/1 / Late Payment Warning: if we do not receive your lotai Mmimum Payment tiy the date hated abnve, you may have to pay a tate fee of up to $37.00 anrl your Ai'Rs may be increased up to ttie Penalty APB of 29 99% Total Minimum Payment Warning: If you make only the Total Minimum Payment each period, you ivi)1 pay more in interest and it wilt take you longer to pay off your balance For example. W& New Balance Total .... $ 10,561.03 Tots)Credit Line. Total Credit Available Cash Credit Lme Portion of Credit Available for Cash..... Statement Closing Date Days in Billing Cycle ...$ 23,000.00 .. $ 1 2,438. 9 7 ., $ 11,500.00 $ 11,500.00 ......1/26/1 7 .. 31 Ptewous Balance $ 10,412 48 Payments and Other Credns -200 00 Purchases and Adiustments „...., 292 74 Fees Charged................0.00 Interest Charged ...................................... 55.S1 Only the Total Miiiiiiiuiii Pa)inerit $362.00 Pcl )ieai's 36 incr)tits $ ?0.609 00 $ 12 G72 00 iSawngs = $ 7 ci. 7 00) if you would like information about rredrt counseling services, call I 866-300 5?38 i erv'v 'e A cpv 'i n&M /'pie nppp lip A ir *i&i Paymeiits end Other Credits 01/23 01/23 PAYMENT TIJANI( YOU ,860 540? - 200 00 /rivi -$200 00 12, 2/ I?/? 7 12/?cJ .I?/29 Purchases and Adjustments S/!I-EWl!Y STOflF00009977 SAIJ JOSt CA SAFFWAY SIOBEOOOOrJiJ/7 SAIJ JOSE. CA ! //))'IO 5492 ?4 54 4 79 5492 BANK OF AMERICA P 0 BOX t50I9 WILMINGTON DE 19886-5019 Account Num)&ei ~~~ 5492 New Balance Total . Total Ivlinimum Payment Due Paivinirit Dur IJnte $ 10,5G1 03 108 00 02/23/1 / MARK A MESTRESSAT f455 LUNIIIG DR SAN JOSE CA 95!18-2325 Ei u.i p iiineiit 'iinount 5 M iti rip p piciswthrp r h kp r ii t a hk ix 5I 9 2)f'33 //APORTANT IIVFOBMATION ABOUT TFITS ACCOU/!IT CECi203 f»ev !1/16 CUSTOMER TIPS FOR DISPUTED ITEMS I!air. Lvimsruspu!cd ci. ig«s) i ', Ls"J„,&5)it ~ mal i i* n,;,i avm! Jot,»c &vi; &'I'ml i&n 'ivr.'rc Ir", ul::u't, n . t 'I (if» niesrmiis)nileisilvi "&I cyo i n.;nt Iti rn- tn is lit;v), m'wrl I m(lc'T,U Cin i ( I &U2 I'18 . I iu" I col ~ tins a credit posted lo your a«ounU L r I I 10 ln(I C I, &I! & I 'vl '! U ~ Is tt)e charge or amount unfamiliar? Ctm kriilhothrvpcrsor5 &/hoii c ltno itw J .iunt t n JI sii i) ri I » in)k tlm na&/0 it&siwss&bic&twtl'icmdcnanl& i. ii,;,10 sd lsnr:.,In(nacdi't«nto ,uil)rul!5( r)ran&;lr ronfu' w Ihs 1)ui,ti,,',,",r in hvl (31&vi"a/I&1&I'I&''('I IUI'C\ &I!\0) 0 w( J n .'n 'idclius,, ';,)I,A n,, (I c; stalvnieirt': un, I/you ir. i r !enroll "I a Online Banking i! rvim io, r. 0'ri dirt it addiessonrtir finrttofyou; srarrmentoi pv usdidg Please remember; If you find an error on your bill, you must notify us no tater than 60 days after we sent your first statement on which the error or problem appeared to preserve youi billing rights. ONLINE PHONE 1 8662660212 Attn: 80/lng Inquiries. PO Box 982235, El Paso TX? 9998 Whci 1 irx L ri. i r i iiludc your Name, Account Number, the Disputed Amount, fuel(hant Name, Transaction Dale, and Reference Number lhc disputerl lti rn an I spe«lie dr tail: regaidmg yoni nispur« inr hirh i- d ilr ( Of (Unl Lt 'w'lit) I I( I le(Lb JUL du&i uil in( I Ad&i! 5 I«PLvlsi' 0 I li 115(J&x&'tedsi&,IUIJct&'iislflpcrbn clocilrrici)rahu),iu udliu 5&1'5a vl v& ixhrr,m (r r(arid postage r(ruin&Ore» &5 .5 ir m/ 0'.iii 0!Lli ~ PAYING INTEREST Wc wrtino ch rg( &ri mes! nn Purct ascs on '.h i ( I srm nr n& I )iwi cay 8 c N(1( f&dlsnr lot)f rn full by rt: Ib)'n ~ ni Ou('(2011('vid ynui'xl p)lcl 1 1 ' hi lt r'0"'vi )'IL f)iyn«r'I C&ilr! Ll tr Wewil')egx)Utdrgv ps lercstnii3dtan e Tran)6";. vl( ishA Nai„mr r I is lrin 1 to i Iau CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Awmgi l)airy f)aln (e tvirinnrlim&„.dc» r w PU r ',rs, „ Vyeialiunuscl )rarrf')lan &sgul c(it. ai I lci, !Barr )il»,nascs. d v r xh Inlrorfu tor 0( pru&rrotronalofferb I nc( «r Limit!(ipirr hds 5 vv. !0 0 so; &llmlcuidtii'Ig .i(ldiirimi)nrcmr Jnid)vir u)cbiils)l! )stc 0;Jdw»i allwc Iil;'.,,» (.0 2m'irs arnis! (in&&ho, If .'.ix)ol Lli'ilv lnulr)(&5')y 01 mii lv r cl I I!»11'!r I &I'5 f &yi & In&it ui, t. Iticilidyb 4& c lr I cmhrta)&rll& rs .tdl mci st)r'Imc / r&»1 I'Ir,:kdtlic tC'f!&Uiu&BL&l)&ac I, )Jd ii'(101'(OJ I'l'','., i, i),», *I i. Cu i'L»&pl&(JBI uir 0" viousrli/ fa i/I dniic !3!«Iri )i a I'Lrrt iscs n&( A(r,iml', ", )rrlne)v lmi. x!rnn Feis indld utlrd tdppls) Ic!)vwrn n«ar! 0»I I') ) dwr »din «r I oils) &&m&1; Lie)I &i "'L'IU /1&i'rlgc 8)lance tuel)od (Iiir Ii dil'g rsm B. I ii .'i 115 ns al 1(l I I'w L i.l'I Ail(aii( nl Wo & Ji(uidte ''p I dte 8 Ibiw('iih! t I lo,in I )ter«i flat&'or isa iaii(e fr ns leis, Casts Advanres and foi eachlnriolu&ton m I'ir!mouoimi(iftr.* L) lan( cons&)ring orbai)nre I&dnsN)s oi cast)Arlvann!5 w. Ir rtnsby til a!cut lingacldiyii tincc &c)&tirlm/& ~ rnnstatcmrnlh Irtllngm&l(,12'Lti(iu!'r „* ldi'v..d!1 . 'd/I J 10! ..'.Un,"Is" vs. )&nba! ans &u n f)L pnoi U)li & mmm nrsl'iri!, 'ciin! ( Iud!55&i grldrc dr!mdiis sm« t .1!VI'gsrf,;„k &Jmlirc','lus cia&I! 1 Ic .",r)L r.. nrl 'n&ne 'I c sd TOTAL INTEREST CHARGE COMPUTATION iirrrcsith)i saic iiv,inlaw«nipuurviedonadailyL)asis T«tore nimcth, mt. «0 Ciiirgm,vei » Iiir Ii cmh'liianicgiil!0 t tolnrwes!Rat oyiv,,if!fr( Ilr 0 rl, rivi r v 8,,'; , ridinar rcsihisrnulnl f&c IU! tn& nrlnbc& nfddys iri Lie I rrlsig yil I (i rrrnv truer ",1 Ctiarg( foi !tie bdling ryrle, we adrl the Penodr& Rate lnt. iest U)sr gas rr y lhe R Lkiiiy Per r dic (0!e i. car Old&a&I I I (! viding In Ai r iudi P . r r nl i d LNle hv I'( 5 HOW WE ALLOCATE YOUR PAYMENTS Ibym nrs ireagnr)trdtocosterlhibn«s lfyoui acrnunihas bafdnreswith lifl rr tAPR, vr'i','IC'dl&'Ihr'din in'u I)i&is PJyirvr I 0 (udll lo 0 ( lnl, I &»I I'nu"1 01/I'I 'I II '. i01( 'Inpllbi'dnr(n(n ittr«i«hr)g;I))sa&!in)so)1d aii r Ihl stalen)rn!I 1)n -nt )11«i 'Is In&- sil/otrrlclaihloirmun Payncnl0&rcwilL&aipiicrlu )iar sr)ah!i&le Alus IvI&'r 'odldr esnltilm, r/tRs IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE V I 1' U)1&'f It) ')1&1&&J Plyby t f1&1& C'5&'Ivlcn)'0&1 Lid) i& '51. I &I'1l( pd n)nl I I"11!'L'I.(''u I I 'hn 'ICI I ~ 1'il&UI'0&i OU IC) '0 I'. 0.&1 „''.;u 'I» n)UU&u Ji ii u 11 1 g of t'1ch 0 i/in 'nl For youl f '1 OIL'rtion, " I''l dsk I r r L Jr&I &'&i cil 1 n ." 8'eernzvappiyfrr experktvdservice Tocanc i,mgus before rhcsch dutrd payn»nt do)te »dmc Jaypaym nt* anno!L. rdrredoi rar ceted YOUR CREDIT LINES purim )of iiidl n avJ&119»'rx »dr)t'dsii Ad)1 ~ res Tt'r* c).',i crc&lulir Ls I'. I )rlictl I Ji»I&r I lr; ",; ac as! A&6 imcs Ocnri Ry Banked nA!Udn ", on&is!0'i1)'I& 'J) sr&(« 0&, II ( iu l«r/ITLC))hA!v r res 6ime lid; On!0 eC, I /& lvarccs 'einmli oni(mi MISCELLANEOUS laic ' I, i. r-,'(fili i V& tu)r )d I v!t (uaitcl) " I r ',«i eiipt)I& ph/sir Inc'I rai.h I«I 'I v J'I inn" I"" 0 0" am/& i)le&cnict vr ur error)i'! ( Iir '! 3, !., o&kb I ti1L! i" riil sa& (In" us,i&&41 5 If your b! IRng address or contact fr!formation has changed, or If your arid«as ls mcotvcct as tt appears on thrs bgi. p/ease provide a0 &one cti one here nrrlcr ., id i!I ~ t I int r i(ruin,nv top r) I"- v!h t 11&1"« I . m, sratcin, 8 a JI)I'JI)ini 'I B)11'\us 'li dh/I",ii i'h c 1 '' I',, *'' 'I'l I''J & ''» ''( I '. 6',*,0 ( Pmn emf;,1'&Jdr- Eel&.',I-!r )i,,i;I I v. &,Linus)'I nl rvcr)r rfm,let)bp & L )nai Cr, I'» & . rit: 5,"v rl i .».! I, I,p n!0 &I;,5 Cast i hand)&5. dele witl,i r Rv.; Clldci!, ',*, A«sr. LIA v) I", «Iu 11 g ' 1&0'Ii»1& I 'I !8 I')ni . 8''I,au payment you: tenci must &iden usa! &est rhmc nu incsso)vihelorc nlc 'Uu'&nab( pJ/inc'a!15 schr duferi tn ncrur A,kk ass I 1' 5 Ph ic 234 BankAfnerieard C-rReward'ankofAmerica ~~ Visa Signa(urea ~~~5492 December 27 January 26. 201/ Page 3 of 4 I& ls Da i& Dvsr s.'I cc 12/30 12/:30 01&01 01/06 01/06 01/13 01/15 01/?? 01/?4 01/25 12/31 01/02 01/03 Ot/07 01/07 01/1(3 01/1 7 01/23 01/? 5 01/26 Purcha es and Adjustments WAI MART ¹5884 SAN JOSE C/I SAf LVJAY STORE(10015743 SAN JOSF CA QUIP STOP tt0034 QBO SAN JOSE CA WAICREENS ft2384 SAN JOSE CA WAI GREENS ¹2384 SAN JOSE CA SAI-EWAY STORE0001?450 LOS GATOS CA WAL MARI ¹5884 SAN JOSE CA QIJIK STOP ¹0034 QBO SAf'I JOSE CA WAI. MAI'lT 96884 SAN JOSL CA WM SilPERCENTER 55884 SAN JOSE CA 60?7 2349 3725 G332 6415 6214 4122 2360 9921 2757 64CJ2 549? 64 (J? (J2 5¹cJ2 5492 549? 549? 5492 549? 30 (Jt& 11 (XJ 25 00 6 00 6 GO 57 22 6&8 9(J 1&00 16.88 ?5 76 $292.74 01./26 01/26 Interest Charged INTEREST CHARGED ON PURCHASES TOTAL INTEREST FOR THIS PERIOD 55 81 $ 55.81 iotdi fees chaiged in 2017 $ 0 00 Total interest charged in 201/ $55 81 50,'0000 ui (i&spate J&cn(fulg cnnlpli tnc( K&th r('cr&jutitnl fnr&cc(hite. You& Annual Percentage Rate (APR) is the annual interest i ate on your account 9 1 I'. Balance Transfers o&rect. Ueposst and Ad Bank Cash Advar&ces Annual Percentage Rate 12.249V 12.24SV Check Cash 17.49SV 19.7'taV Promotional T re &i 9a c t i o rl Type Promotional Offer ID Promotional Rate End Date Balance Subiect to liiterest Rats 55,360 52 5 0.00 5 0. ~ 0 5 0.00 Interest Charges by Transaction Type 55S SI 5 0 00 9 0 00 0 00 ilpp'& D iv;ca D&« i tv&a I pate iyp 9- va LI* Rate 1 el mavvaw 2 94 BASE EARNED THIS MONTH 3 21 BONUS THIS MONTH 133 56 TOTAL AVAIIABLE VISIT BANKOFAMERICA.COH I &1( 1 ill 1& vi t tl allh( I&fat('0( . I iu'(I( 1&I &6\ Ill&JI&1 I An M,&li nt Cil bninl¹ I» il usia I&inl Inn le, I ln I li'linn&cat, il I (I&Igni&1 11&h,lut vin Ri 0 &11 Il&1 I 0 I.& ( annual('n& I I(ntl (1'I'du,lit&i (I l,lt&pl'n&I 235 236 BanitAmeriCard Cash Rewards- Bankof America ~W Visa Signature-'ARK / MFSTRFSSAT Accoiint Number ~~~ 5492 January 2/ ir:btuaiy 26 2017 Account Intormation tva1( ii:iii)uif iiil 'I'Ksi i i/it Mad billing mquiries to Balik iif Aiiici ii:i I' )ktk!)0,*!.".;l.~ )?) Pa. n')'X i Jr)r)8.//35 Ma(l payments to BsltJ( uf Alu('I'' P.O. J)os 160)9 Wi)mnugtoii Ill "I 1900!i.5010 Customer Service I 300.421c? lie ( i.kf)() l)4t)0178 'I'I'Y i Tot,tl M(ntmunt Privment Due I'ayment Due Date $ 112.00 3/?3/1 7 Late payment warning If we do not teceive yom Total Mlrllmum Payment by ttie date hated sbnvr.. you may have to pay a late fee of up to $ 37.00 and youi APRs may he increased up to tile Penalty APR of 2999%. Total Mimmum Payment Warnnig. If you moke only the Total Mimmum Payment each penod, you will pay more in mtet est and it will take you longer to pay off your balance Foi example. f( I / New t)stance Total $ 10,782 12 Cullerit P i/i(i('iitDtit'1 I? .00 New Balance Total $ 70,78? 12 Total Credit line. Total Credit Available Cash Credit Line Po/tton of Credit Available for Cash Statement Closing Date Days in Billing Cycle $ 23 000 00 $ 12 21/ 8!I $ 11.500 00 $ 11 500 00 ?/26/1/ 31 Pievious Balanc( $ 10,561 0'I Payments snrl Othei Cre/Jits 'lbe 00 Purcliases and Arfiustments .. 313 40 Fees Charged 000 Interest Charged ............ 57 69 Only the Total Iviiriiiiiliii'i Pa'riiipn( $ 3o(J 00 24 vears 36 monttis $ 21.059.00 $ 1.2,924 00 (Savings = $8,135 00) If you would hke information about credit counsehng services, call I 866 300 6?38 persia ice 4(cek '( /iar r.l~ ir Nirrm Cer Ns»(r Payments and Other Ctedits 02/22 02, 22 I ATIVILIJT TIIAIUK TOLI 3033 5492 -150 00 -$ 150 00 I' I /? 7 01/2 '/ 01/?0 I) I /30 Purchases and Adlustments WALGKLIlqS v"?04 STN iehl- CA SAI FTNA'/ SIOHI t)001?9:)!J CAMPI3I I I CA 173/ 5492 9091 5492 11 5! ?3 33 5I)92 BANK OF AMERICA P 0 BOX 15019 )A/ILMINGI ON DE 19006-5019 Account Numhet. ~~~ 5492 New f)alance Total Total Minnnum Payment Oue I miyiiiciit Due* Delta ,'110. 782 1? 112 00 03/?3! 1 / MARK A ME, TRFSSAT f455 LUNING DR SAN JOSE CA 95116-232 Miter payment amount 5 Ma(tris( p n i nc thy u I kpay,hi t sauk (A cs Ist,9 26 ~ 237 iMPORTANT INEORMAT(ON ABOlJT (H(S ACCOCINT 0(.02(YJ Rev 1 l&l 6 CUSTOMER TIPS FOR DISPUTED ITFMS Indi )1 U»&csun U' (hdl ',.1 L k . U(U 1 'd( (" 0 1(ULU »1'I, »11!I I'I li xotvn''ll I »o('('l .' nut( 'Ilk lt ' 'I ')1'I (iflcl I x lix'I ha I( v's(» «'ll q c&mi,ir rica iiyi, & I rqo n put il( ri ":h»hiitwnerwni! r lndyii foc)„r! »ynur ('ifll o( bill" lg ' Ir I (u ~ Nas a ci edit posted to your amountl U )Iln:»„xn I', U r il\nu rr xiii(ou i'Ii & d kx»o(IOrn. 1&1 uvr ~ Is the chat ge ot amount unfami hart LI v&rk*,ctlx",wtsc-is 1)(wive ! rrl (i'tlc J(niunt ton d& sul thc, dldnnlmake 1 ible r»dr r'i( ": (h rq 'b lint& al (nxsd st»mr&arnr(are eh(for& nto& ,ii),„&»srdnclnl! I&' h&wd(, lhs»lsi (fw«' r v) iu'le! ps 0»;„U)il,s;ci » I nllsn I, 1, Ir:& sd(U»ld 1,)riant ho dlw!n& d(((J»i mil r» r»s, i»i, I'iiu i, r ", r i)lid(lmOniine Banking it i easy»&dr inf'u ing ties b Jrtrlr est il ) O'I'in( I() yoni sldurltcnl 0( glLN Us el Lag Please remember. It you find an error on your bill, you must notify us no later than 60 days after we sent your first statement on which the error or probtem appeared to preserve youl bgitng rights. ONLINE PHONE &I 1.06G 2GG 0 12 MAIL Attn: Billing inquiries, PO Box 902235, El Paso TX 29998 When vv irn I i I »i,n U I Your Name, Account Number, the Disputed Amount, kfercf!ant Name. Transaction Date, and Reference Nmnber nf tt e disput. (I nem ar»J spectli dvtld( tcrndirg ynui (kspute, in&iu(hng dlles ofronta twilh ltd nwi loni ln&l lii& irr t Rani!i "pon r in& shiit lan(e Piv sl'I'I I'.Kld,!0 1 pflcrul(go (Ul»el I, un&» I Jul!,'d! d»J clad» 1'oilhf'I, ~ c U ci all'I f'»Ill»'u n»"('(f)'I( ''xn;I of!nymrurns PAYING INTEREST vA iil tw! h; gc in&cicslr i i'Urc"ls»s ori,he next smtr mr nr i(you pul the New tlaiai re 7)t)i in lullhy tl Ih! (i nt Dud!hit(, lief ynum)rl pll I in&uif by tiw olovlous Paynwnt Due tialr W wii! II gmr'rli;,' ir&» .» Ra(an(cTrdrisln.«i i ICishhdv I':.c on iheutnsainnl I ii* CALCULATION OF BALANCES SUBJECT TO INTEREST RATE 11»il - lid i) Briar & hl tis»I i ~ . kximg»rw Pi,&hd,rq W;,I ii,n( r,&ti&. fl h, ssil rvlir n h.i(i,(lkiu loi P»unisesdi diot ea&h !nlm to my r)r I'&ornnnon i( Of i i 6 I irx( cor sislrnp o'ui ha rs Wr rio !tile by (1l iwcuiat&ng .i ivilvh&»rc;i J(l du ir 0 el it ri, (ic IAar(lv rag!IN&I)iiyl 1'dnc&stogemn,andi!! cli I,'" I Um o'h rl i fl Iv unn 1 bl &I e m lrhn ci navv m r )c I dfmg r ycli lo mlrulvis II ( clitl. I 'a& (e fut v)h('a(in!i &I Iatn I( 'ts brg ng epic w fll take rhe ';r»rwi»&.x, r' &',.&Jr!»»dnr. ' 'ou,.& I, ti r dptkr lhk OddyPc»oihc fat &»1(up(red l», dv o rv&'usndls Jnly bi'xi«13! sort new k& r(W» s nrv Ac(nun!i*" s anrlnev& lrd»aston I-.( I I I I&i(I»I o) " U«'il » d-(&( idit» I'd: I I! Iybiidncr c iisslt dlr;(el),1'c I('IL lwr r Ige &tdl n(r (ICON!'i I ( ri(lu hng n "., Bdldix( Tidn »is and iicw I d h Arlvdn(csl &N» (dk& idtr sepd die Baidnces hubi c I lrl an inter: st kate lor Be(ance lrdnslers, (dsh 0 I»wires,&nd inr each Intr»du Inn c I Pl»rr ouoiwi 0'ff& b. (ance iona&son of Balance Irnlsfels .r Cash A iver t cv We lo lhts by jl I r aleut!ting a rkldy hlidno'r r r 1 h dav nl thra statr'rlwnth .(of)dud sd(&. '!v, &rx I Iim:I nn,( t;fib(g((riehu(wnhlpirungrlau w !hi)un! , dud ci! AI &lv (&11), Id»in mb( ft!n dnrl ( I) dlvxirr)pule 6»n N wd I bald»,,'.,:Is u .'.v v& I 1:i ll rsiaLrsmsiilt Bipl dxul (»ih „I bc(Jr (,xn(li(rirlusmdr mern biyinpryrien (ll&sts rtie d\ . U« I Iir, u 1»i sul'»c ".1 nvh.q:, 'c I1') il nil .l Jlvd I„ I, 111, I (; ig, 1'* I(xi 'l" '1 TOTAL INTEREST CHARGE COMPUTATION lntie tchai &ad I iivd,dr *» niniw I den)miilvh Li. Tr.»icic mac ih in&creel hag s vie ox luot rid ti 0 tave v I & &t tr I c...t il u ut «s ip! h, ( r Ovi I nnrh(kxo dndli &rrr„:itismuhrr tie(ibvl!x »sit i ! I s: rtwnvlin; &I I'. nncrinmerli tr ral In!el slcharg( Forth big ngyclv( i!riih& Prrwd« I'I tr inmrc r(hdrgislogilhrl A(idly Perir (bc Rate 1(cai(uhlcd by! vvls ti an 1»r &!el I' nl i w fllrr hy!fid HOW WE ALLOCATE YOUR PAYMENTS I'dymenis1ealfnrlirdtnpnst Ol.hlnn l'&y(l&) & nuntha hliwlceswi!hrliff tentAPqs vi' ! I I Ac !br am in i! W w., p, " r,v ' P ~ ')! I M) n )un I'a I i i r t i ) c I ux kn'(f ' RPR b I do(l's f»sl pn U Islp I I '., \»»1( I '«I '& I II '. ' I »'v'nl);II( 1 nt dnlnu»is me(.".rlyr)& r ldldito(nun I"lm'ilu d II! (,, rirdlol 1(an(".',)ilht'i tn APR! t)r for I!idi ir.rds '," u 1 kin& r 0 'ils IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE 'Wh(»Us I'k ui'!»( I J'L ')& ('I J ' «'.(.. »'I ' c''u n '( l«i( 1( ~ pd n nl I, ")I YLLI &( ''K u I«h»d 'I I ' » ',xl I 1 ',.I lo ») ni viu)f» crnounr.,lislun»ngoivlch pay»» nt, I!cull»el» u n, Le«,illdsk lors&I diuymformarwn A fec mal appiy lor r xpedited swvim Io rwi( I rag us befoie !fir sch du(»&I payrner r date qdmc Jay pavrr nts Ianrto!bord cs In ca»(( led YOUR CREDIT LINES por&rnrp(lwl isa(a»i I In 0 i I d i." I„»v, 1»& Col ( Lrlilii vis&'l Jnimi I x ')Jvv o 1(til I Inr,"„»K ( ds'd(,m ",, ' ', U(, I 11, s(w, I» s» r sr Irl AiM & Ill i Nisei «'*0'0')l»clut IIC& I pl,,( \»1;inh»(, Cd(i AI ln Uwu I!Ip u cull MISCELLANEOUS PAYMENTS (. * I KK I 'a( ' . IC ',,' '' . Ul lxwn Utlol' ill» ool I »I''I y (Iw . 0&!! ei r in!I crum(nv I pclir»m 1!(ir i mqrancepo;irnolyoursmr m nr :.«;,-:;»6 ' a( in rsr(.»i rdn, n arid(!r 'm I air» dr their rnirlanieanirr(.rn Idl; r .Gp II Ik ln .. '1( 0 I ! & I 1 Ot; I i&(& s me 'ht h O equs m r)t'ill i'-;»i » i',,i- I, ') I n C nti i (.Id» ' ar I od et p ir vms n albert I, »i p rn r r -'', &»» c(wr»J i-it(. „,, ErsmliflnrrhNq»rnssnt!AIA)wrlorI-W.dc(epu»I 1»1 (ul I .0 'JI ''1'U) u) I I n .»I on 1», n,,( I J II v)K I . Icl g Io o I d mcnL you. (eno i must & .aui (!su I as i inr e »us inc!! ckiy I I rorc lhe du!omah( p iymcru sr he doted to or(or If your bgffng address or contact It&formation has changed, or if youl address is loco!seel as it appears on thn bffi. please provide aff (orre&ti one here A;Ilims I lkl. »Ls 1( vyorr, Phon." 238 BankAmeriCard ~ CashReward'ank of America+A Visa Signature'" W W W 5492 January 27 . february 26, 2017 Page 3 of 4 I s ariel pc&is&4 ipsie Lie i Veer &pppn I mnv iir» oer &imp& &ir rol I 02/02 02/02 02/03 02/OD 02/06 02/14 0?/22 02/22 02/03 02/03 02/06 02/06 02/07 02/16 02/23 02/23 Purchases and Adjustments QUIP STOP 00034 QSO SAN JOSE CA WM SUPERCFNTFR 45435 SAIV JOSL CA SAIEWAV STORE000099/I SAN JOSE CA WALGREENS ff2384 SAN JOSE CA WM SUPERCENTER 45884 SAN IOSF. CA WALGREENS ¹7384 SAN JOSE CA SOUTH SAN JOSE GROG SAfp JOSE CA WAL-MAflI ¹5884 SAN JOSE CA 2&342 3865 2939 5293 679/ 2288 4G72 63. 69 b492 5492 '. 492 5492 b492 5492 r)492 5492 23.00 6r'0 21 98 5.30 57.03 3. 00 29 2'1 71..1.8 $ 313.40 Interest Charged 02/26 02/26 INTEREST CHARGED ON PURCHASFS TOTAL INTEREST FOR THIS PERIOD 5492 57 69 $ 57.69 'PP "'" P:"~~&"",ks&.."Q9~w'~vs';;"'.,¹rb'!Ep".;i~'ibPIE';"'"„'„'gs¹gi&'lt&@ Total tees chaigett in 2017 AO 00 Total interest ctiaiged in?017 $ 113 bO 31200.00 H1 rlimnltv J1&'tnfillg r&iIiiilfl illvv ii'Ith rvsuiutl&il1 Piiir i'&iilrv. Pu L c li:I ses Balance Transfers 12 241V 12 241V Drrcct Dcposrt and check cash 17 49&v Advances Youi Annual Percentage Rate (APR) is the annual intr ivsl rale on yo&ri mivoiint Annual Percentage Rate Promotional Transaction Type Promotional Offer ID Promotional Rate End Date Balance Subject to Interest Rate 35,549 55 0 00 9 0 00 Interest Charges by Transection Type 357 69 3 0 00 3 0.00 Bank Cash Advances 19 741V 6 0 00 3 0.00 Apn Type Definiuons Daily inteiest nate Typ v.- vi ra&pie. Rate I ats nuy &i ii 3 13 BASE EARI&ED THIS MOIITH 3 16 BCHUS THIS I&011'I'H I'10.15 TCTAL AVAILABLE VISIT BAHKDEAHERICA COH I &'in'sulvi'ivfiiiufi Illxf lie i nli 0 lfi&'liv .. el&i&in, a&i&i avi \ iili vflv'ilifv, Iilvin& iii.:i&&if &f 1 i&inn&lit ilifiiiv I &&fir'I ifi &11 ln i&litt f,i Ii&';1&« .. I ilir &f iviiliiviirs 111 niii''&'ilrv,Ill&i I iln& lilmn iriv iiin&1. I si&'itvfi, f 6 ni I 01111II l,inf.mg;ii ID&1k f irnvrlr:i I Iil I xuv. 239 240~ BankAmeriCard J Cash Rewards- Visa Signaturee MARK A MEBTRESSAT 1455 LUNING DR SAN JOSE CA 95118-2325 Customer Service Information www Isal/sofa(doll(a Con/ 1 800 421 ?110 TTY I 800 34G 3178 Mail billing inquiries to: 0, &k 0(mneu(0 I'0 Box 2582'.15 I paso I X 7'!998 2235 Mail payment to Bank of Ameiua P (i Bdx I'i19 W in'018(00 Dl 19!BBF;-5019 Feb(uaiy 27 Maich 26, 2017 Account/ ~~~ 5492 Accotint DF.JIT1ITlafy Previous Balance Payment and Other Ciedits Purchases and Adjustments Fees Charged Interest Charged $ 10,78?12 $ 15000 $ 303.61 $0.00 $5434 Payment Information New Balance Total Current Payment Due Total Minimum Payment Due Payment Due Date $ 1O.99O.O? $ 111 00 $ 111 00 04/23/201 7 New Balance Total Total Credit Line 1 otal Credit Available Ca" h Credit Line Portion of Credit Available for Cash Statement Closing Date Days m Billing Cyrle $ 10.990.07 $ 2!,00000 $ 12,009 93 $ 11, 500 (M $ 'I 1,500 00 03/26/2017 28 Late Payment Warning If we do not receive your Total Minimum Payment by the date listed above, you may lmve to pay a late fee of up to $ 37 00 and your APRs may be increased up to the Penalty APR of 29.999'o. Total Minimum Payment Warning If you make only the Total Minimum Payment each penod you will pay more in interest and 0 will take you longer to pay off your balance For example Ifcyou'makeno additional Youwill payaff the And you wiil erfdup 'hargesusing this card balance shown on this paying an estimated and each month you pay tatement in about total of Only the Total Minimum Payment 24 years $ 21,701 00 $366 OO 36 mont(is $ 1 3,1 76 00 ibawngs - $0,525 001 I I ansactlol'ls If you would like information about credit counseling services, call 866.300.5238. DJ I.'ais Dc 0 110(100 Payments and Other Credits AvMFNi I-lvux YOJ TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD r(0 I 0 I umbe Ar-000( Numbe A(nou/1( -5150.00 02/25 02/2/ 02 2'2 270'2,2'2 2/ '/25 02,/i Oil25 Oi/27 D3,'03 i/3/060'.'. 0 03/O, Oil(8 .' 0 ~ 15 8 I 8 'i., 15 Purchases and Adjustments WAI GREEN5 02384 SAN JOSC CA WALCRCLN5 02384 SAN JOSE CA WM SUPLRCEN If 8 05884 SAN JOSE CA SOL(ll(57(N JOSL GROC SAF! JOSE CA IHE HOME DLPOT 01009 SAN JO5E CA SAFEWAY Sloiit.00012930 CAMPBLLL CA V/li GREENS ..2 4 SAN,OSE ' WALCREENS 2 84 SAN]OS( (/I WM SUPERLENI 0 9 4588/ SAN inci. C 4 KAFFWAY STORE(uum/02 ANJDS'A f Ri' I I; ( I RONIL . ".(. (.All l" ' ( 4 W/r GRFI I 5 =/.84 SAK Jtibi. (4 (2 I ( 5 1(xl-;(IL -'IK 'N J')SL LA /48'I 5497 2554 5402 4983 54(l2 1421 5492325'492 SE50 5492 ISE7 5 92 4189 0492 474" 549'(3 '49 '/4'IRF( 5.19i 27i" 2 00 314 i 549 18 98 28 2G 35 97 4 0(i id 24 02 '/9 58 5/ .: ()0 Please see last page of your statement for the pdymenr rem(ttonce coupon. 004 000 (xytr r MAks HAMI sliil SSA( I Account 'ggg~ S447 I rrwva y 77 . Vaiii 26 201'7 IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST - We will not charge inter e t on Purchases an the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date We will begin charging interest an Bal~nce Transfers and Ca h Advances on the transaction date TOTAL INTEREST ('HARGE COMPUTATION - lntere t Charge accrue and are compounded on a dmiy basis To deterrmne the Interest Charge" we multiply each Balance Sublect to Intere t Rate by its applicable Daily Penodic Rate and that result i multiplied by the num)acr of day" in the billing cycle To deremiine the total Interest Charge for the billing cycle, we add tlie Penodic Rate Interest Charges together A Daily Penodic Rate is calculated by dividing an Annual Percentage Rate by 363 HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances If your account has balances with different APR:, we will ~)locate tlie amount of your payment equal to the Tatai Mmimum Payment Due to the lowest APR balances hrst (including transactions made after this statement) Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - Wlaen u ing the optional Pay-by-Phone service, you authonze us to initiate an electronic payment from your account at the financml institution you de ignate. You must authonze the amount and timmg of each payment. For your protection, we will ask for secunty informabon. A fee may apply for expedited service To cancel, tati us before the scheduled payment date Same-day payments cannot be edited or canceled YOUR CREDIT LINES - The Total Credit Line is the amount of credit available for the account, however only a poitioi of that is av.iilable for Bank Cash Advances The Cash Credit Line is that amount you lieve available for Bank Ca h Advance Generally, Bank Cash Advances consist of ATM Cash Advance:, Over the Counter (Ol'C) Casli Advances. Same Day Online Cash Advances Overdraft Protection Ca h Advance:, Cash Equivalent.;. and applicable transaction fees MISCELLANEOUS - Promotional Rate End Date l Itis d te i ba ed on a future statement closing date lf you clmnge youi paymern clue dare, thi date could change Virtue) card are the digital form of your eligible pliy* ical credit. card stored within a digital wallet CALCULATION OF BALANCES SLIBJECT TO INTEREST RATE Average Daily Balance Method (including new Purcha esl We calculate eparate Balances Sublect to an Intere t Rate for Purchases and for each Introductory or Promotional Offer balance consi ting of Purchases We do this by (I ) calculating a daily balance for each day in the billing cycle, (2) adding all the dmly balances together, and (3) dividing the sum of the daily balances by the number of day in the billing cycle To calculate the daily balance for each day in thi" statement's billing cycle, we (I) take the begmning balance, (2) add an amount equal to the applicable Daily Penodic Rate multiplied by the previou day' daily balance, (3) add new Purchases, new Account Fees, and new Transaction Fees, and (4) subtract applicable payments and credits If any daily balance i less than zero we treat it a zero Average Balance Method (including new Balance Transfers and new Ca h Advances) We calcul~te separate Balances Sublect to an interest Rate for Bal~nce Transfers, Cash Advances, and for each Introductory or Promotional Offer balance consisting of Balance Tran fere or Cash Advance:. We do this by (1) calculating a daily balance for each day in this statement'4 billing cycle, (2) calculating a daily balance for each day pnor to this statement'".billmg cycle that had a 're-Cycle balance" - a Pre-Cycle b~lance is a Balance Transfer or a Cash Advance with a transaction date pnor to t'hi statement': billing cycle but with a po ting date within this statement's billing cycle; (3) addmg all the daily balances together, and (4) diwding the sum of the daily balance by the number of days in this sttitement's billing cycle To c~lcul~te the dmty balance for each day m thi statement's billing cycle, we (I ) take the beginning balance, (2) add an amount equal to the applicable Dewily Penodic Rate multiplied by the prewous day' dai)y balance. r3) add new Balance Triinsfer, neiv Ca h Advances and Tran action Fee:, and (4) subtract applicable payments and credits If any daily balance is le" than zero we treat it. as zero To calculate a daily balance for each day pnor to this statement's billing cycle that had a Prc-Cycle balance (I) we take the beginrxng b~l~nce attributable solely to Pre-Cycle b~lance (whirh will be zero on the tran action date of the first Pre Cycle balance), (2) add an cinount equ~l to the applicable Daily Penodic Rate muluplied by the previous day'aily balance. (3) and add only tlae applicable Pre-Cycle balances and their related Tran action Fees We exclude fiorn this calculation all transactions posted in previous biltmg cyc I e For the complete terms and condnions ol your account, consult your Credit Carel Agreement This account i issued and administered by FIA Card Serwce FIA Card Senices is a registered tiademark of FIA Card Services and/or it" affiliate 242 VARK 4 Mi IR'/i Ai. Ciiiii! ~~~5492 I I'*'uiiy 27 M! cb 26 2017 I ransaetiQ(3s Cof ftll'lned lian!le(inn Pu tiiie Dc L i. ' ' pi i 'n Refcl el(CC All(lilt,e Account Nun!bc: Am l.ici 03/18 03/18 03/1,'D2G 03/2 2 CL(i?0 CCC/20 03/70 03/22 Gi, 2! Pure(!sees and Aclju*tments WAL.MAR1 45884 SAN,OSE (.A BFST BUT GD0019i)c! SAN JOSE CA W/i(,,RFt- NS 2381 SAN,'OSE CA LIJCK'( 4757 SAN JOSE 5AN iGSL CA WALGRI FNS r238/ SAN(OSE CA TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD 1963 5384 5900 3888 5440 S492 5492 5492 5492 5492 /8 10 8' (K( 5? I 200 $ 303.61 G3/26 GB/26 Gi//6 03,76 03;26 0!Of 03//C 03/? 6 Interest Charged IN( ERES( CHARGED OV PURCHASFS INTEf(ES( LHAIK EO ON BALANLE 1f(ANSI ERE IN(FR(51 CHARCED ON DIR GE(1'&CHV CASHADV INTFRES CH/iRCFD CDN BANK C/(SH ADVANCFS TOTAL INTERE5T CHARGED l OR TH(5 PERfOD 54 34 0 00 0 00 000 $ 54.34 ~e "'" ', '",,'tP~Q4fQW~~@ Total fee charged in 2017 1 otal i tere t charged in 2017 $000 $ 16784 Interest Charge Caiefllatinn youl Annual Percentage Rate (APRJ is tbc a illus( "1 p i'-., «lte oc ynul 1i cola!i Type of Balance Annual Percentage Rate Promotional Transaction Type Promotional Offer ID Promotional Rate End Date Balance Subject to Interest Rate Interest Charges by Transaction Type Purchases Balance Transfers Direct Deposit and Clieck Casts Ac(vatic ps '2 24%V 12 24C,V 1/49c V 5 5,787 40 5 000 5 (i (!0 5 5C,34 5 5 :0'ank Cash Advances 5 CHJD c, APR Iyi.e DCDiviic is L!Ci y 'i (e cs', '1. (i. I y.e V- V.i icb(e 9 ne iuit may vaiyi I (fapLD(t 1f if 6/IE'ss lees 55,20000(n di pute pending corriplmnce with resolution procedure pg ac(G2'' VARK A M (TARS(AY I Arruuru u ~~~(ARR ' 'bruuy 77 Vurrh 7( 7!'1r This page intentionally left blank 244 M ES RE SAT cco nt --- 5492 y Fe ar 2 - Marc 2e. 2m .7 hi o MARK A MC(TRCSSAT I Acclunt '~M '492 I I'e! rrro /', rl 25 2.1/ YOL&c HeWcai cl sUITTITIc)ly Your statement has a new look The updated design makes it. easiei to fittd the tnfocmatton yoc& need Check octt the enclosed insc t t to see tNI&at's c:hanged and t/yhat hasn' ' tel 10 'G GIJ r2 Al ARtcerltt'I 5492 BANK Ot- AMERICA P 0 BOX 15019 c/JILMINGTON DE 19886 5019 Account Number. ~~~ 5492 I&ece Balance 1 otal Tntnl Mrrlrnlulrl Payment Due Pnlnrent f&ue D.tte $ 10990 0/ $ 111 00 04/23 't017 MARK A MESTRESSAT 1455 LUNIKIG DR SAN JOSE CA 95118-2325 I rltel I;ivnlc nt alnollnt $ Mort tnt coupon I oc tl y n K p*y olo t B K of Ame co 5l,ct 25 ~ 245 VARK A Min RZSSA 1 Rrr*ufw ~~~ 'd'&2 I I "bi. i I 27 V ith Zh 2017 PAYMENTS Vy c dr v ale I p",» rcascf rhe dais caved I rh prm, t rmtlly mtem nl 1'ad:h clwckd a.«UD clogs '.la U' narc at tt,to . Ilb J II v I ode.and tdlse t the et e velope th ly the pm local to at ihe tmtta codd essa a yday I I b th payne tD e Date b t th tothen se eettlveabc e eq e vnr nllbe edted,s I!h I l,y p yme Is ade o In o by phor II b ued ted a of tl e dale ol ecept I ade by 5 p Central C eht fo a y othe p ye nt may b delayed p to f e dtyc C, sh pay t ants madewtho tegeso /IiM th feria Rs IIATAt go lybeacceptedwtthavald Iaopaynent h Ilope arcs . c cd ad sat sfacto thc tries « tte pv checkngaccou twth,ynuca stop thepay e to . y. » tmyauthnk ." ong lo stop payment, your letter must reach us at least three business days befo e the utomat c payment is scheduled to occur If yo b ling address or contact mfo mat o h. h. g d. f y add««t t app, on tlt bill, please pr d, II «t h Address I Addre s 2 Zip 7:, '' 'v'l'e fu.. 'york Plione 246 BankAmerioard ~ oesh Rewe«'isa Signature" MARK A MESTRCSSAT 1455 LUNING DR SAN JOSE GA 95118 2325 Customer Service Information www L Jukofameu ca iom I 800/21 2110 If'' 800 34631/8 Mail billing inquiries to; Bank of Ame ica I 0 Box987? 'l ikxso IX 79998-7735 Mail payment to. Bank of America P 0 Box 15G19 Wikmiaguxn DE. 19886 5019 Mal ch 27 - Apiii 26 2017 /I/coun!4 ~~~ 5492 7-kccoffnt SLIITTITlafy Piewou" Balance Payments and Other Credit Purchases and Adiustments Fees Charged Interest Charged $ 10,990 07 -$ 1,000 OG $ 146 57 $o.oo $60.11 Payment Intofmation New Balance Total Current Payment Due Total Minimum Payment Due Payment Due Date $ 10,19C 75 $ 109 00 $ 1ng oo 05/13/2017 New Balance Total Tot~i Credit Line Total Credit Available C'ash Credit one Portion of Credit Avwlable for Cash Statement Closing Date Day in Bdling Cycle $ 10,19675 $ 73,Goo on $ 12.803 25 $ 11,50000 $ 1 1,500.00 04/26/2017 31 Late Payment Warning: If we do nat receive your Total Minimum Paynient by the date fisted above, you may have to pay 0 late fee of up to $37.00 and your APRs may be increased up to the Penalty APR of 29.99%. Total Minimum Payment Warning: If you make only the Total Minimum Payment each penod, you will pay mare in interest and it will take you longer to pay off your balance For example lf you meke.no additfonOE: You w'ill payoff the And.you'wiii end ffp: charges using this card balance shown on this payfrfg an estimated . and each month you pay statement m about total of Only the Total 24 years $20,081 00 Minimum Payment $341 00 36 month: $ 1 2,276 00 isawngs = $ 7,00500! I I'i3flsactloffs If you would like information about credit counseling services, call 866.300.5238. D rv 0 lri Desi r po ~ 0 Payments and Otfxer Credits N,2A r/iYVFI . i ANK YOU TOTAL PAYMENTS AND OTHER CREDITS I-OR 1HIS PERIOD R f. 0000 Numoei /l r irr N Iu In ix 0 t 2 Amount Total -51,000.00 0!3r.if 04,01 G'I,fw 04/10 !11/1 '4 '?" Omni Qxxns 04 0/ 0/,08 Q/;'I 2 i?4/17 Axni 7'l x ?x Purchases and Adjustments WALGRFENS 42384 SAN JOSE CA WAL MARr u'884 SANJOSC CA OUIK 5 I roi'no34 080 sAN JosE cA SAFEWAY STGR 000099// SAN JOSf. CA WALGREENS x2384 SAN JOSE CA WAI GREENS 02384 SANJOSE CA Ei rGLTS Far'vfpf vmi 5/rnOSE IVAI GfiEFNS xx381 SAN JOSE ' WM Siii'FRCFNTFR 05884 5/!NJi?SL A TOTAl. PURCHASFS AND ADJUSTMENTS FOR THIS PERIOD 8952 6447 5758 9810 8325 1529 CS'5 484/ 8/24 5492 5492 5492 5492 5492 5492 5 F?2 5492 ii 55 // /3 2G 01 / r02 1 20 I 20 2' 20 13 81 6146.57 4,20 Interest Charged CH 7(, R41! kf '- '/xkGLI'N Hif!LHASib bil I I Vieose see last page of your statement for the paymenr remurance coupon 004 000 xxskjfr MARK AM( STRI SSAT I Attorw x ~gg~ SRO7 I Mairii 77. i1p ii 7( 7i717 IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST We will not charge interest on Purdiase an the next statement if you pay the New 13alance Total in full by the Payment Due Date, and you had paid in full by tlie prewous Payment Due Date We will begin charging interest on B~lance Tiwtsfers and Ca h Advances on the transaction rlate TOTAL INTEREST CHARGE COMPUTATION - Intere t Cliarge accrue and are compounded on a daily basi . To determine tlie Interest. Charges we multiply each Balance Subiect to Interest Rate by its applicable Daily Penodic Rate and that re utt is multiphed by the number of days m the billing cycle To determine the total Interest Charge for the billing cycle, we add the Penodic Rate Interest Charges together A Daily Penodic Rate i. calculated by dividmg an Annual Percentage Rate by 365 HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances If your account has balances with different APR:, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first (including transactions made after rhi. Atatementi Payment amounts m excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APR" IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - Wlien using the optional Pay-by-Phone service, you authonze us to initiate an electronic payment from your account at the financial instituuon you de ignate You must authonze the amount and timing of earh payment For your protection, we will ask for secunty informabon. A fee may apply for expedited service To cancel call u. before the scheduled payment date Same day payment" cannot be edited or canceled YOUR CREDIT LINES - The Total Credit Line is tlie amount of cieclit available for the account, hoivever, only a portior of that i available for Bank Cash Advance: The Ca h Credit Line is tixat amount you Iwve available for Bank Cash Advances Generally, 13ank Casii Advances consist of ATM Cash Advance:, Over the Counter (01C) Cash Advances, Same Day Online Cash Advances. Overciraft Protection Cash Advance:, Cash Equivalent"., and applicable transaction fee MISCELLANEOUS - Promotional Rare End Date Ihi date is based ol'i a future statement cio ing date. If you ciiange yaur paymeix due date thi date cotild change Virtual card are the digital form of your eligible phy ital credit card stored within a digital wallet CALCIJLATION QF BALANCES SUBJECT TO INTEREST RATE Average Dmly Balance Method (including new Purchases) We calculate separate Balances Subiect to an Interest Rate for Purchases and for each Introductory or Promotional Offer balant.e consisting of Purchases We do thi" by (I) calculating a daily balance for each day in tlie billing cycle, (2) adding all the daily balances together, and (3) diwding the sum of the daily balances by the number of day in the billing cycle To calculate the daily balance for each day m this statement's billing cycle, we (I) take the beginning balance, (2) add an amount equal to the applicable Daily Penodic Rate multiplied by the previous day' daily balance, (3) add new Purchases, new Account Fees, and new Transaction Fee", and (4) subtract applicable payments and credits. If way daily balance i" less than zero we treat it as zero Average Balance Method (including new Balance Transfers and new Cash Advance: ) We calculate separate Balances Subiect to an Interest Rate for Balance Transfers, Cash Advances, and for earh Introductory or Promotional Offer balance consisnng of Balance Transfers or Cash Advance We do this by (I) calculatmg a daily balance for each day in this statement's billing cycle, (21 calcu(~ting a daily balance for each day pnor to this tatement': billing cycle that had a "Pre-Cycle balance" -a Pre-Cycle balance is a Balance I ran fer or a Ca h Advance with a transaction date pnor to thi statement's billmg cycle but with a posting date within this statement's billing cycle; (3) adding all the daily balances together, and (4) dividing the sum of the daily balances by the number of day" in this statement'".billing cycle To calculate the dewily balance for each day in thi. tatement's billing cycle, we 11) take the beginning balance, (2) add an amount equal to the applicable Daily Penodic Rate multiplied by the previous day': tiaily balance (3) add new Balance Transfer:, neve Casii Adv inces and Tran artion Fee:, and la) subtract applicable payments and credits If any daiily balance is less than zero we trajet it as zero To calculate a daily balance for each day pnor to thi statementb billing cycle that had 7 Pre-Cycle balance (I) we take the beginning babnce attnbiitable solely to Pre-Cycle balance (which will be zero ori the transaction date of the first Pre-Cyclo balance), (2) add an amoiint eix.al to the applicable Daily Penodic Rate multiplied by the i&revious clay daily balance, (3) and add only the applicable Pre Cycle balance and their related Transaction Fees We exclude from thi'alculation all transactions posted in previou billing cycle For the coinpleto terms and conditions of your account, constilt your t.iedit Card Agreement This account is is ued and adrninwtered by FIA Card Service FIA Card Services is a registered trademark of FIA Card Service and/or it affilmte 248 VAF&K A ML','Rl SSA; I Ar coom ~ ~~ 51,7 l Vuirii 27 /Ipi 2( 201/ Tl dl ISSTOt(OFTS t.O(1tHTL/Pd Tusrsusr lien O.s: -. p(lstl I e Releienr.e Numl ei /lcr ourn Nun Isel 1, lal Ua 76 Uu/6 On/26 Oru/6 Oe/76 Gaipr Interest Charged IN FFRFST CHARGFD ON BALANCE TRANSFFRS IN'IFRFST CH/IRGFD ON DIR OEPgsC ~ K CASHADV INI I R. ST I HAR( I-D ON RANK CASH ADVANCFS TOTAL INTEREST CHARGED FOR THIS PERIOD 0 00 (7 LTG '7 00 $60.1 I r I ~'W~s,~L Total fees charged in 2017 Totul interest charged m 2017 $000 $227 95 intereet Cht((ge LOICL/IOtiopj /oui Annual percentage Rate (ApR) i Ule annual intei est iate on youi account Type of Balance Annual Percentage Rate Promotional Transaction 'Iype Promotional Offer ID Promotional Rate End Date Balance Subject to Interest Rate Interest Charges by Transaction Type Purchases Balance Transfers Direct Deposit and Check Cash Advances 12 aoe/ l/ 12 aGNV I / /uy v 5 5,666 72 5 II UU 5 ooo 5 60 1 i 5 LS Gr &'0 Bank Cash Advances 5 ooo 5 ooo APR Type De/iniuon Di ly inieie; Rite Type V= Vuisble Rate (late may veiy) I(TIPO(t Jilt. M OSSsOIPOS 55200 00 in dispute pending compimnl e with resolutio/i procedure 2 9 MARK K Mt KlRr (SA' ArC,,K ' ~~ S'Bi'MatCh ii AK K KG 2K' This page intentionally left blank 250 A EST ES T g ccount --- 5492 1 March 27 » April 26‘ m 7 hi o MAftll A Mf STPFSSAT I Ai corti ." ~~~ 549? I Match?7 rip il?5 ?I 17 FOLIE ReWC9I d SLIITIITIIJFQ 5492 BANK OF AMERICA P 0 BOX 15019 1IBILMINGTON DE 19886-5019 Acroutit Numtael: ~~~ 5492 fcciv Balonrc I otal fotal Minimum Pavnient Due Piivinr nt Diie Date %10,195 /5 $ 109 00 05/2 '3,". 01 7 MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 951 I 8-2325 5 II I C I 0 'I 1' I C I I I all I 0 u I I I 5 M ith: * p*, leuc ~ I lc heck p,i*l&l I B hh fa 5L 928 251 MAfil& A MF( PF5(AT f Arcnn I ++~~ 5(52 'viih 2/ Ap 12b. 20l7 PAYMENTS iur'near, Ic Unynemsvs of the diie covert I rte p yme t s Isygp I .I, . It dd I tt II p I fy mon:tiy Ivteme I ig pad Il clcck dam n U'ella ' a Ub 'wep'b tron a v U 5 dolls money o de v d tf se t the et e elope N th o ly the pm I st I »,'ihr»ttv r Ulnas . y I» rimngtl *Payn nID eLial,b I that the erne Irheah e n m rs llbe edtedns I the tv.y Pvy vdeo I r o bypho e nbrr edtrdv ofttedamof ecept f mad by'm Cent al C ed t f vny Ihe payment vy be celsyed up to I days Cash payments mode thou tells so ATM th Telic A sst A Af dc lybe accepted th void Nv pvyme t hall ope at c v acre d a d vl fvcuo; out th p c« iten apr oval che krga ou t thus yv c. I ptnepvy e tw, y.» intyo th k o g T stop payment, your letter must reach us at least th ee business days before the vutomati« payment is scheduled to occur Addi est 1 Addi ess 2 (Iei'P Ai . 5;uI fuev r -;.:; Work Phone Ifyo bit g dd o« t,ct nfo m*tionhss tang d.or fyouradd 252 BankAlaericard ~ c-b R~ara'isa Signatures MARK A MESTRESSAT 1455 LUNING DR FAN JOSE CA 95118-2325 Customer Service information. wxvw 60 IIk el 'IITIV I Icu C0 I II I 800421 2110 TTY I 800.346.3178 Mail billing inquiries to; B,rnk of Ameucu P r'ux 9822.11 i. I I'asu I X /9998 2234 Mail payment to. Bank of America p 0 Box 15019 Wiknuxgtun GE 19886 5019 Apnl 27 May 26, 2017 Air 0 unix ~~~ 6492 fkCCOIJF)t SLIIT)IT)QFV Previous Balance Payments and Other Credit" Purrhases and Adlustments Fees Charged Interest Charged $ 10 196.75 . $ 1,000.00 $ 23699 $0.00 $51.50 Payment IflfOFITTDtiofJ New Balance Total Current Payment Due Total Mmimum Payment Due Payment Due Date $9,485 24 $93.00 $93 00 06/23/2017 New Balance Total Total Credit Line Total Credit Available Cash Credit Line Poruon of Credit Available for Cash Statement Closing Date Days in Billing Cyde $9,485 24 $ 73,OOO 00 $ 13,514 76 $ 11,500 00 $ 11,500.00 05/26/201 7 30 I.ate 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 $37.00 and your ApR may be increased up to the penalty ApR of 29.9990. Total Minimum Payment Warning: If you make only the Total Minimum Payment each pened, you will pay more in interest and it will take you longer to pay off your balance For example lf;you make nd additional: You will payoff the:,. '."-'Arid yot) wilt endtip charges using this card balance shown on this payingx aan estimated and each month you pay statement in about total of Only the Toml 23 ysal'I $ )8,64I.OO Minimum Payment $11,412 OO )Saving = $7,229 00) If you would like information about credit counseling services, call 866.300.5238. ~fJJ7Tl I ~II 4 sl ITII:a ~'lnrngsTW1lTITR I u I I I I. fhe following is a ummary of a change ihat we are making to your account terms This change will take effem on July 25, 2017 For more information on this change, see the enclosed Important Informatron section conmining an amendment to your CredIt Card Agreement Late Fee Revised Terms as of July 25, 2017 Up to $35 Please see last page of your srotemrnr for rbe puyuIeni remrrtance coupon 004-000-OPj3 MARX A MLSTRESSA I Ac ov i . ~~~ Sxex I An»i 27 MN 7C 7ti17 IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAVING INTEREST - We will not charge interest on Purctiases on the next statement if you pay the New Balanr e Total in full by the Payment Due Date, and you Ibad paid in full by the previous Payment Due Date We will begin charging interest on Balance Transfers and Cash Advances on the transaction date TOTAL INTEREST CHARGE COMPUTATION - Interest Charge accrue and are compounded on a daily basi To determine the Interest Charges we muluply each Balance Sublect to Interest Rare by its appbcable Daily Penodic Rate and that result is multiplied by the number of days in the billing cycle To determine the toml Interest Charge for the billmg cycle, we add the Peiiodic Rate Interest Charges together A Daily Penodic Rate is calculated by dividing an Annual Percentage Rate by 365 HOW WE ALLOCATE YOUR PAYMENTS - Payments are aallorated to posted balances If your account has balances with different APR"., we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowe t APR balances first (including transacuons made after this statement) Payment amount. in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - Wlien using rhe optional Pay-by-Phone serwce, you authorize irs ro initiate an electronic payment from your account at the frnancml in" titution you de Ignate. You must authonze the amount and timing of each payment. For your protection, we will ask for secunty information A fee may apply For expedited service To cancel. call us before the scheduled payment date .'arne day payment. cannot be edited or canceled YOUR CREDIT LINES - The Toml Credit I.ine i, the amount of credit avmlable for the account. however only a port.ion of that is available for Bank Cash Advances The Cash Credit L ine is that amount you have available for Bank Ca h Advances Generally, B nk C.isla Advances consist of ATM Cash Advance:, Over tlie Counter (OTC) Cash Advance ., Same-Day Online Cash Advances Overdraft Prot. ection Cash Advance . Cash Equivalents and applir.,able transaction fees. MISCFLLANEOUS - Promotiorial Rate End Date Tlxis date is based on a future statement closirig date If you clhange your payment due date, thi date could change Virtual card" are the digital form of your eligib)e phy ical rredit cards stoied within a digital wallet CALCULATION OF BALANCES SUB) ECT TO INTEREST RATE Average Dewily Balance Method (includmg new Purchases) We calculate separate Balances Subiect to an Interest Rate for Purchases and for each introductory or Promotional Offer balance consisting of Purchases. We do this by (I ) calculating a dmiy balance for each day in the billing cycle, (2) adding all the daily balance together, and(31 diwding the um of the daily balances by the number of days in the bii(ing cycle To calculate the daily balance for each day in this statement's billing cycle, we (I ) take the begmning balance; (2) add an amount equal to the applicable Daily penodic Rate mulupiied by the previous day': daily balance, (3) add new Purchases, new Account Fees, and new Transaction Fees, and (4) subtract appkcable payment and credits If any daily balance is less than zero we treat it as zero Average Bad)ance Method (including new Balance Transfers and new Cash Advancesj We calculate separate Balances Sublect to an Interest Rate for Balance Transfers, Cash Advances, and for each Introductory or Promotional Offer balance ronsi ting of Balance Tran fer or Ca"h Advances We do this by (I) calculating a daily balance for each day in this statement': billing cycle, (2) calculating a daily balance for each day pnor to this statement's billing cycle tliat had a "Pie-Cycle balance" -a Pre-Cycle balance is a Balance Tran fer or a Cash Advance with a tran action date pnor to thi statement': billing cycle but wrth a postmg date within this statement's bilbng cycle; (3) adding all the daily balance together, and (4) diwdlng the um of the dmly balances by the number of day. in this stat.ement': billing cycle To calculate the duly balance for each day in thi" statement's billing cycle, we (I ) take the begmnrng balance, (2) add an amount equal to the applicable Daily Penadic Rate multiplied by the prewous day' daily balance, (3) add new Balance Tran fer."„neiv Cash Advance. and Transaction Fee, and (4) subtract applicable payment and credit" If any daily balance is le " than zero we treat it a" zero To calculate a daily balance for each day prior to this statement': billing cycle that had a Pre Cycle balance (1) we take the begmning bal~nce attributable solely to Pre-Cycle balance (which will be zero on the tran acrion date of the first Pre-Cycle balance), (2) add an ainount equal to the applicable Daily Penodic Rate multiplied by the prewou day'aily balance, (3) and add only the applicable Pre Cycle balance and their related Transacuon Fees We exclude from this calculation all transactions posted in previous billing cycles For the complete tenn and condition oF your arcount, con ult your Credit Card Agreement Ibis account is issued and admini tered by FIA Card Serwce FIA Card Sennce" is a registered trademark of FIA Card Services and/or it affiliates 254 MARK A MFS RLSSAI I Accouir ) ~~~ S/,7 I Rn)ii 77 Moy 26, liii/ Tpafj sact t ct ti 5 Tmns)conn Postll ool'l RefeienceNumne AccouniN.l nr I' /6))', I' 05/2 2 A5,72 Payments anil Other Credits PAYMFN IHANK TALI TOTAL P/IYMENTS AND OTHER CREDITS FOR THIS PERIOD 4196 5492 - i,(iGG 0(i -51,000.00 05 CO DS)/07 AS/05 05/05 05/05 05/07 05/09 GS/10 G5/13 i'5/13 0','13 0'03 05/)34 05/06 05/06 (i5/(in 05'JB 05/10 05i12 05/15 05/15 0 /I'urctiases and Adjustments IVAI MAR 45881 SAN JDSL CA WALCRFFNS o2384 SAN JOSE CA QLIIK STijP 400 I QBQ SAN J(JSF. CA WAI GREENS o2384 SANJOSE CA I LICK/ 4757 SAN JASF SAN JOSF. CA WM SL)PERCFI)'TFR r/5884 SAN J05E (/I SOIJTII SAN JOSF QROC SAN JOSF C/I DOL!AR TREE SAN JOSF CA WALGRCCN'2384 5ANJOSE CA WAI.( Rl. CNS o2384 SAN JOSE CA WM SUP(RCCN CR o5884 SAN JOSE CA TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD 0116 2130 76/9 O'I 63 8525 5 IDB 9070 2955 6693 G776 9439 5492 5492 5492 '492 437 S492 5492 5492 5492 5)192 5492 3 r)8 370 27 00 240 8 7'J 57 84 34 94 13 46 2 40 9 51 17 47 5236.99 05)/26 05/26 0')/7G 05;JG Go/26 05 26 05/76 GSJG Interest Charged IN Itkt51 LH/01( f 0 ON PURCHASES IN I FALSI CHARGED ON BALANCE TRANSI ERS INTERFSI CHAIK LD ON tiIR DEPGCHK CASI3ADV liUiLRtSI LHAI!Gf D iJN BANK CASII ADVANCES TOTAL INTEREST CHARGED FOR THIS PERIOD 51 )0 000 000 L) Qru 651.50 I 1otai fees charged in 2017 Total interest charged in 2017 $0.00 $279 45 Ifij()t(.f-;t Ch;if()(9) t.ciI( iilatieii 14,! i Annual perrentage R)te (ApRJ \ I'ie )nf)u)'lierc I ine on your oco)ion Type of Balance Annual Percentage Rate Promotional Transaction Type Promotional Offer ID Promotional Rate End Date Balance Subject to Interest Rate Interest Charges by Transact)on Type Purchases Balance Transfers Direct Deposit and (. tieck Cash Advances Bank Cash Advances 17 an';V 17 74' Ico)V 5 SA)6() 5 )A 5 u!)Q " 5(' '/0 c GAD ApR Type Def i tions Dmiy lnroies'. R)io Typo I/- Vaiiable Rate riate moy varyl Imjaottarit Messages 55,200 00 in di pute pending compliance with re oiution procedure Pose 3 of " 255 MRIIK A MESTPESEA I Rcco.i»i vi ~+gg 5492 I Au» 27 May 2G 2ui2 We'e changing some terms of your Credit Card Agreement The amendment to your Credit Card Agreement is outkned below AII otiier term. m your current agreement still apply except a. listed below If there is a conflict., the term in this amendment are in effect Please keep this document We»re makmg thi amendment because of a change in our business practices Fee Change LATE PAYMENT FEE Effective as of July 25, 2017, a Late Fee of $27 will be a" essed if the Total Minimum Payment Due shoivn on your monthly statement is not received by u. on or before its Payment Due Date If a Late Fee was as essed any time in the pnor six billing cycles, then the amount of the Late Fee will be $ 30 The Late Fee will not exceed the Total Minimum Payment Due immediately pnor to assessment of the fee This amendment modifie the following section of your Credit Card Agreement the Late Payment row m the Account Summary Table and the Late Fee entry under Account Fee What else you need to know Overdraft Protection We'e added language indicating that payments or credits to your account may not immediately make credit available for Overdraft Protection transfers from your account, and added a reminder that Overdraft Protection transfers accrue interest from the transaction date. Below is the updated section. OVERDRAFT PROTECTION If your deposit account (eligible checking or money market savings account) with Bank of Amenca is linked to this account, this overdraft protection feature will allow fund- to be transferred (overdraft protection transfer" ) from thi. account into your designated deposit account with Bank of Amenca when transaction. occur on your deposit account, such as checks or other debit, that if paid would cause the deposit ar.count to be overdrawn (overdraft tian action") Overdraft protection trarisfers inc ludi'utomatic transfers to cover deposit account fee Overdraft protection transfers are processed after clo e of business Monday through Fnday and are treated as Overdiaft Protecuon Cash Advance" Each day's overdraft transactions will be totaled and rounded to the next $ 100 increment up to your available Ca h Credit Line, regardless of who initiated the overdraft transactions For example, if your deposit account has a b»lani.i of $ ) 00 and a check or other dcbir item for $ 125 is presented for payment, which if paid would c»use your deposit account to be overdiawn. an overdraft protection transfer of $200 will be made to your depo it account und an Overdmfi. Pioiect ion C,isti Adv»ri«e of $200 vvili post to thi'ccount The Portion of Credit Available for Ca h on thi'ccount mu t be ufficient to cover the tot»l amount of overdraft tiansaction (received Liy Bank of Amenca that day) rounded to the next $ 100 increment (but excluding any overdiaft protection fee), otherwi e one or more of the overdraft. tran.action- for tibet day will be re)ected Hovvever, if the Porrion of Credit Available for Cash an thi accourit is greater than tiie o erdraft transaction amount, but the Porhon of Ciedit Available For C»"h is insuffioern for ttie overclraft tiansartion amount to be rounded to ttie next $ ) 00 increment, then the amount of the ovei draft transaction will bi tt»e amourit of your Porcion of Credit Available for Cash Payment or credits to this acrount may not impact your Portion of Cri dit Avail»ble for E'ash rxitil after the po ting date of the payments or credits We will not assess an Overdraft Protection Cash Advance fee for any overdraFt prorection transfer from this account to a linked Bank of Amenca depo" it account, if we determine tint your deposit account i overdravvn by a total amount le" ihan 5'12 00, aftei we finish proces" ing for the day If your account i'ibiect to an Overdraft Protection Ca h Advance fee. then overdraft protection tran fers r»»ll be asses ed the Overdraft Protection Cash Advance fee For earh siich Cash Advance OverdraFt Protection transfers incur interest charges from the transartion date We may permit. or refu" e to permit any overdraft protection transfer that would cau e you to exceed the Cash Credit Line on this account This overdraft protection feature will automatically be canceled if this ai.count is closed by either you or us, or at any time upon your request Your overdraft transaction remain subiect to the terms of your depo it account with Bank of Amenca, any related enrollment agreement, and thi Agreement Foreign Transactions The section titled Transactions Mode in Foreign Currencies was renamed Foreign Tronsoctions. We updated this section to include the definition of what qualifies as a "Foreign Transaction," including an example of online transactions made in the U.S. but processed in a foreign country. Below is the updated section. FOREIGN TRANSACTIONS A 'Foreign 1ian action" i any tran action(I) macle in a foreign currency, oi (2) made in 0 5 doll»i if the tran action is made or proce" ed P ge 4»i " 256 Mrtrtx 4 Mtst ktssni I 4 ruu.r ~~~ sx"2 Anu 27 Mayas Ziil/ outside of the United States Foreign Transactions include, for example, online tran actions made in the U 5 but with a meicliant who processes the transaction in a foreign country if you nuke a Foreign Transaction, we wll assess the Foreign Tr~nsaction Fee set forth m the Transaction Fee- section of this Agreement If a transaction is made in a foreign currency, the transacuon will be converted by Visa International or Mastercard International, clcpcnding on whicta card is assocmted with this account, into a U 5 dollar amount in accordance with rhe operating regulations or conversion proceduies in effect at the time the tran action is proce ed Currently, tho e regulations and procedure provide that the currency conversion rate to be used i either (1) a whole ale market rate or (2) a government-mandated rate in effect one day pnor to the proce sing date Thc currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or po ting date In addition, the definition of a "Foreign Transaction" was removed from the section titled Transaction Fees. The amount of the Foreign Transaction fee has not changed. Below is the updated section. TRANSACTION FEES If you make a Foreign Tran action (as defined in the Foreign Tran ection ection of thi" Agreement), we will a se" a transaction fee equal to 3 00% of the U S. dollar amount of each such Foreign Transaction Thi" is in addition to any other applicable transaction fee. Pay in Full In the section titled Paying Interest, we updated the definition of "Pay in Full" to exclude certain credits which are not used in determining whether a customer has Paid in Full. Below is the updated definition. PAY IN FULL Pay in Full or Paid in Full mean payments and credits (excluding credits made in accordance with first-year fee limits or the Military Lending Act) in a billing cycle touting at least your prewou billing cycle'" New Balance Total Roadside Dispatch Effective October 1, 2017, the serace prowder will increase the cost of a standard Roadside Di patch serwce call to $ 69 95 from $ 59 957 * Certan term", conditions and exclusions apply. Foi further detail, please refer to your Benefits Guide EQUAL CREDIT OPPORTUNITY ACT NOTICE The federal Equal Credit Opportunity Act prohibit" creditor. from discnminating against credit applicant on the basis of race, color, religion, natianal ongin. sex, mantel tutus. age Iprowded the applicant has the capaoty to enter mto a binding rontract), because all or part of the applicant'ncome denve" from any public assistarv.e prograrri, or because the applicant has in good faith exercised any nglit under the Con umer Credit Protection Act The federal agency that adrwnister compliance with thi" law concerning Bank of Amenca, N A, IOO N Tryon Street Chartotti Nr 23255 is itic Bureau of Consumer I-inancial protection, 1700 6 Sti est NW, Wa hington, DC 20006 YOUR BILLING RIGHTS ~Kee This Document For Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statenmegnt If you think there i" an error on your smtement, vvrite to us at Bank of Amei ice P 0 Box 932234 El Paso, TX 79993-2234 In your letter, give us the foiloiving mformation ~ Account information Your name and account number ~ Dollar amount The dollar amount of the uspected error ~De cn tion of oroblem If you th.nk there is an error on your bill desrrit&e wlmt you believe i wrong and why you believe it a fillet ixe You must contact us ~ Within 60 day after the enoi appeared on your statement ~ AI lea t 3 business days before an automated payment is scheduled if you want to top payment on the amount you think i. wrong eave arri 257 VRRK A Mr 516'IS. AT I iii rover '. ~~~ 4 2 I 21p if 7 ~ Mot 6 201 You must notify us of any potential errors ~in wrttin You may call u", but if you do we are not required to investigate any potential errors and you may have to pay the amount in question Note It i. Very helpful if your lener includes the transaction date and the reference number for the charge, if avatlat&le What Will Haooen After We Receive Your Letter When we receive your letter, we must do two thing" I Wittoin 30 days of receiwng your lener, we must tell you that we received your letter We will al o tell you if we have already corrected the error 2 Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct While we inve ugate whether or not there ha been an error ~ We cannot try to collect tlie amount in question, or report you as delinquent on that amount ~ The charge in question may remain an your statement, and we may connnue to charge you inl.crest on that amount ~ While you do not have to pay the amount in que tion, you are re ponsible for the remmnder of your balance. ~ INe can apply any unpmd ~mount against your Total Credit Line After we finish our investigation, one of two things wiit happen ~ If we determine there was a mistake You wiii not have to pay the amount in question or any interest or other fees rat~ted to that amount ~ If we do not beheve there was a mistake You will have to pay the amount in question. along with applicable intetest and fees We will end you a tatement of the amount you owe and the date payment is due We may then report you as delinquent, mcluding to credit reporting agenme:, if you do not pay the amount we think you owe If you receive our explanation but still believe your bill is wrong, you must wnte to us within 10 days telling us that you still refuse to pay If you do so. we cannot report you as delinquent without also reporting that you are questionmg your bill We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organization" know when the matter has been settled between us If we cio not follow all of the rule above, you do not have to pay the first $50 of the amount you question even if your bill is coriect Your Rtehts If You Are Dissatisfied With Your Credit Card Purchases If you are di satisfied with the good: or serwce that you have purchased with your credit card, and you have tned in good faith to correct thp pl'Qiolpm VII th the merctiant you miy have the ngtit not to pay rhe remaining amount due on the purctmse To u e ttxis nght, ail of the following must be true 1 Ttoe purctiase must have been made in your home state or within 100 miles of your current mailing address, and thc purchase pnce must have been more than $ 50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to yoii, or if ive oven r lie comp &ny i liat .old you thi goods or serwres ) 2 You miist have used yoi:r credit card for the purchase Purchases made with costi advan& es from,iri ATM or with a ctieck ttmt accesses your credit card acrount do not qualify 3 You must not yet have fully paid for the purcha" e If all ot the cnterm above are met and you are ull dissatisfied with the purchase, contact us in wnting at Bank of Amenca P0 Box 9"2231 El Paso TX 79990 2234 Wtiile we InVeeugate, rtie arne rules apply ro the di puted amount 6 dismi" ed above After we fini h our investigation we will tell you our decision At that point, if we think you oive an amount and you do not pay, we may report you as delinquent iCo7017 Bank of Amenca Corporation All nghts reserved Pose 6 of 6 258 t/ARK A MLRTRESSAT I A/co, m., ~++ 5492 Aln, 27 Mtl, 26 ?/117 YOLII Re4A/ Il d SLImfTI494 Vv' LI92 BANK OF AMERICA P 0 BOX 15019 WR MINGTON DE 19886-5019 Ae/ount Nunlbor ~~~ 5492 IRetc Balance Total Total Mtnnnum Pavmpnt Due 9/IvnleITI Dl to 0/Ile 59,485.24 $93 00 0/2/?37?04 7 MARK.Q ME. TRFSSAT 1455 LUNING DR SAN JOSE CA 95118-2325 I nial I'1 tvnlt.'nl ltnounl 5 tn Itk co p lo 4 tnl cneckpevecleto ae k 1 Am c 54 9 211'59 MATIK A MLSTPLEKA f Ac ou, r . II~~ nlD2 I Ap il 27 May 2C, 2Df7 PAYMENTS ave m dt m.led payme ts s I tn d te t. eo, I the ay ent s e vea'ybp I tall eatlleadlestslvs * I mrra . Iraw'y mo tllyam;e e t f" padwtha clack,":t n U'toup nnaU'. I stir to or Ug d Ii n» y Ia iftls t Ih t ~ I p th lythe entre rap t.« fyo rr.t »* i, r mp, 7 p I Paymr ts r» en by I aire pm I Itm eat rh rntta ceaddres o .3 yd ym ludngtlePayn ntD eDate b I th tothen e meet the. lave eq vernant . I'bec el ted a f the»t a y Pt me ls «deo I eo byphon Ilb d\ d . Ilh dat f«ept I adebybp Central C ed t for any othe paymetr ay be delayed up to I e day Cash pay i ents m d thou teheran R M vthyege Rssi tiRUllvagtnlybeac spied Ih old lao payme; sl I ope.tees. cmda dsatsfaUc, vrt orilltic p c« tlc pl« h «md pc co r th, yo can top the ptymenr on any mn ~ t ya th nk ", o g To stop payment, your lette m st reach us at least th e bus ne s d ys befo e the a to atic p. y t is scheduled to occ r Arlrli es 3 Adcfri-.ss 2 l ty crate 71P ',lt iris /I ea C.ad-.,". Work Plione If y b fling address o c t. ct f m t on has ch ged. or rf you add t t ppearsontli bg pleasep vd II o cti h 260 BaakAmerieard ~ Oa.h Rewaras- Visa Signature".'ARK A MFSTRESSAT 1455 LUNING DR SAN JOSF CA 95»8-2325 Customer Service Information. whip tlallkpfal lpl l.a Ccnl I 800421 2»0 T T Y I Bi)0,346 3178 Mail billing inquiries to P.,ihk of Amei,ca P 0 1)ox 98»nca I I paso I X /')098 /23»l Mail payment to: Bank of Ameiila Pi) Box 15019 W Im ngtpp 01. I')886-5019) Account Summory Previous Balance Payments and Other Credits Purchases and Adtustments Fees Charged Interest Charged $9,485 24 -$4OO.00 $25515 $o.oo $46.44 Poyment Information New Balance Tatal Current Payment Due Total Minimum Payment Due Payment Due Date May 27 June 26, 2017 Accountc ~~~ 5492 $9,386 83 $ 87 OO $87 On 0//23/201 / New Balance Total Total Credit Line Total Credit Available Cash Credit Line Poruon of Credit Available for Cash Statement Closing Date Days in Billing Cycle $9,386.83 $ 23,000 00 $ 13,613 17 $ ».»oooo $ », oo.oo 06/26/2017 31 Late Payment Warning: If we do not receive your Total Minimum Payment by the date listed above, you may tmve to pay a late fee of up to $37.00 and yaur APRs may be increased uP to the Penalty APR of 29.99xyo. Total Minimum Payment Warning If yoii make only the Toml Minimum Payment each period, you will pay more in interest and it will mke you longer to pay off your balance For example If. yo'u.m'aketno additi orie Yod will payoff the And you wilt end up chaiges using this card 'alance shown on this paying an estimated and each month you pay statement m about total of Only the Toml Minimum Payment $314 00 23 yt'al'6 month- $ 10,631 00 $» 304 00 'Savings - $ / '327 001 If you would like information about credit counseling services, call 866.300.5238. 5tt92 BANK OF AMERICA P 0 BOX 15019 ivILMINGTON OF 19886 5019 Account Number.~~~ 5492 New Balance Total Total Minimum Paynient Due Payment Due Date $ ', 868* $ 87 00 oi'»7'I//01/ I»IARIC A MESTRFSSAT 1455 LUN0IG DR SAN JOSF CA 95»8-2325 Enter payment amount 5 please l »puce p»lpc«c cc ls II lp l=-e sap M l lh: po I 4 lh i*v check par*ale l a k l 4» 5r,9 28P 261 VARK A MCSTRFSSAT f Ar.count .'M~ 6462 I V,.iy 2/,'un» 2(c /: I / noa ceo. dao. r IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST - We will nnt ciiaige inrerest on Puichases on tire n xt statement if you p&y the i'Irw Balance Tntal in full by the P&yment Due Dnre and yon had paid in full by the pievious Payment Due Date We will 6 gin charging interest on Balance Tinnsfer and Cash Advances on tlie transaction date TOTAL INTEREST CHARGE COMPUTATION Intei est Charpes accrue and compounded on a daily basis I o determine the Interest (.haiges we mult ply each Balarice Subject to Intei est Rotc by its applicaiile Daily peiindic RaLe and Lh&t rr suit is multiplied by the numbr r oF dnyr, rn the billing ryrle To deteimme the total inteiest Charge Foi the bigmg cycle, we add rlie Periodir. Rate Interest Charges togetlier A Daily Periodic Rate fs calculated by dividing an Annual Perceritage Hate by 365 HOW WE ALLOCATE YOUR PAYMENTS - Paymenis nre agacated tn posted balances ff your accoum lms bal&nces witli different APfls, we will allocate tine amnunt of your payment equol to the Total Minimum Payment Oue to Lite lowest APR balances first (including transactions madr afrei Linis staremenr) Payment amnunts in r xcess of yore Total Mmimirm Payment Due viig he apphed to haiances with highei APRs befoi e balances witli lower APRs IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE Wlien using tlie optional Pay by Phone service. you autlioiize us to initiate an electronic payment fi om your arcount. at the financial institutiun you designate You must authoiize the amount and timing of each payment. For your prot et&on, we vnlf ask for security information A fee may apply for xpeckiad serv«.e To caicel, call u before the sclieduled payment date Same day payments cannot. be ed ted or canceled YOUR CREDIT LINES - Tine Total Credit Line is the amount of ci edit available for tlie account; however, orily a portion of tliat rs available for Bank Cash Advances I'Iie Cash Credit Line is that amount you have availal le foi Barik i.ash Advances Can rally Bank Cash Advance con i t. of ATMi C sh Advances, Ovei the Counter (OTC) Cash Advances Same Day Online Ca li Advances, Overdraft Protection Cash Advances, Cash Equwalents, and applicable transactiori fees. MISCELLANEOUS Promotional Rate Lnd Date. Tli dat* is bas d &n,i Air uie * uterne ir cfosmg bile. If you change your payment due il L. r.ould change Virtu.l r irds me tiie ciigiral form of your eligible pliy ical credit cor/ sto ed vrithin a digital wallet C/IL(.UI.ATION OF BALANCES SUB/I=C I I'0 INTEREST RATE Aveiap',rily B&L&nce Met& od fmcludiiip ncw Purchase«i LlL/e cali.ul tie sec&mtr- B&l rnc.'uoi rt to an imci st flats foi Puir itasca and foi etch Intiorkxtniy nr Pinmotiona Oifer balance cons sting of Pu chases W do&his by ill cali.ulating a daily ho&ance foi ear:h day in &tie bigmg cycle &2) addmg ag rhe daily balances topethei, nd (3& ckvidirg the sum of the daily balances by the rnimber oF days in rhe billing cycle. Fo afcr inta tlie inily gal irxe for acti day rn this stntemenrq billing cycle, wr. (1) Lire &lie beginning bolanc (2j add an amounr. equal to tlie applicable Daily Periodic Rate rnuluplied by the previnus day's daily halonce (3) add new Puichases, new Account l-ees, and new Transaction Fees; arid (4) subtract applicable poyments and rr edits If any daily balance is less than zera we rreat it ais zero Aveiage B&l&ncr Miethod (includmg ncw Balance TransFeis and new Cash Advanres) We ca'ruLste separate Balarices Sublect ta an interest Rate for Balnnrr Transfers, Cash Advorir.es, anrl for e.ich introductory or Prornobonal Offei balance ronsistirig of Balmice Transfers or Cash Advances We do this by ll) ralcuiaung a daily bnlance for each rlay in tiiis statement's billing cycle, f/) calculating a daily balance for ascii day prior to this statement's billing eyrie ttut ha I a "Pre Cycle baler ca -a Pr Cycle balance is i Bol&nre Tran Mr ore Cash Advance Lvitli a transaction dare pnar to this st&tr ment's billing rycle but with ai postmg date w thi ~ this statement's billing cycle, (3) adding ag the daily balances ir&geliiei arid idi dividina the sum of rhr daily balances by tlie nmnber of day* in this statemer«' &ling cycle lu ..&.Iculate the daily balance For e&ch dny in this statementb biging cycle, we (I) rake the beginning balance, R) add an amourit equal to tlie applicable Daily Periodic Rate multiplied by tine pievious d y's daily balance; (3)add new Ign inca l,ansf s, nevi L.isl /ldv&nres arirl Irar & tron I ecs,and (4) subtract apple LI p yr ier ts &nc'cr gr . If,any rlaly butane re less thcinzeio we Lieal it as zero 'I o calculate a daily Lialanre for each day prior to this statement's biding cycle that had a Pre Cycle balance (I) we take the beginning balance attributable solely to Pre Cycle balanc (whicii will be zero on thc trarisaction date of tlie fr sr r- Cy rc haute'i 2)ad. nri, r tourt equal toil& &apl& 'ble Daily I'e odic lute r&iultiplrr d by the pr vi'us day'aily balance; f3) and add only thc applicable ' Cycle balances and thm»elated Tiansact ion Fee. We excludr from riiis r&lrulntinn nb t ansacr&ons posted in previous billing cycles re r i ir ';, 1 t c n nf you .m cxi, co&sr& I yoiii Credit Ln r rig .: his arrour t is ssicrl an feign& rsleied by I &A Card Newces fir& ' ri':- ac ";, circ cc I»i& i.,ik of I /L c.irrl Servic sand o rcs .&ffi n es PAYMENTS. weoedtma led payment asot rhedst. ece ed f the niymem rhly tate * t (2 pod wrrha check d own U'o&la one ub incr«uil tt to or, US dolls mo eye der.ond(3&sentintheret menvelopewtho lyric em itsnce po uon of y storemen& accompany ng r psyme ts ece wd 6/ u I aire, 5 am local r meat the en ttan e address on &ny day i crud ng the Payment Due ii, re but th.tothe vise eettheaboverequne e rs,wlibeoedtedasoftrie extd&y P,/ne t madeonl eo byph newrll bee.ed ted a of thed teoF r. pr f de Lyk p Cental Cedtfmanyothe payn i m yb d Uy duprof d y C sl i y * t* mod v. &h t il so ATM mth Teria A"nt(ATAI llo ly bee capt d &ha old N*n yn t h II ni at as*,«d d atsf rto i thoutth p c«n .In. ~ I erk Foch rh k r theat sun& corno e t: e &err o cfu der a feo r or "s raine« ck n",,e dart&i nd maybe rhclsis !o y &ceo t ssono ih :.med v e e e / royment .heck nor craned to/ u Fo» e c, Los& ptr,e elect o ' dir. sfe &il «a& ih r b 1st d th 'a&i Ifyo ho esn sedusi p yy c. nrcadbll& lc &tc llyin» y so g checkmg& cou t thus you ca top the payme ton. y. ou t youth k s o g To stop payment, your letter must reach u at least three busmess days before the automabc pay e i is scheduled to occur. If ye i Ih g address or cont. t fo t o h. h,need or fynur address is et t pp ntiiisbiil.pl. po d &leo to h i\ C I c.' c s Adore s 2 r'y Dp nit&Fr.rag I'o 1'I'ie /i,'Cn Work Phone 262 MARK A MPSTRESSAT I Ai,nuni c ~~~ 5492 I I/O/27 lui 26, 2017 TI'dnsactlons Tlalnsaclioli 1')Ji» 06/22 Post lf'8 D 11.: 06/22 [1»sc i pi,'" Payments and Other Credits PAYMENT THANK YOU TOTAL PAYMENTS AND OTHFR CRFDITS FOR THIS PFRIOD Reference N» 1 iLl -'I 4312 Accouilt Nu nbei 5492 Aiiioi 'll. -400 00 -$400.00 05/2 7 05/27 05/31 oe/os 06/07 06/07 06/08 06/08 06/11 OE/12 06/I 3 06/I 6 oen e 06/I 8 06/20 06/20 06/25 05 79 05/29 06/01 06/06 06/08 06/08 06/09 06/09 06/12 06/I 4 06/14 06/I 7 06/I 7 06i20 06/2 I 06/22 06/26 Purchases and Adjustments QUjli 510P «oii'4 QBO SAN JOSF C/. WALGREENS «2384 SAN JOSF CA WALGBEENS «2384 SAN JOSF CA WAL MART li5884 SAN JOSE CA WAL GR& FNS 2384 SAN JOSE CA WM SUPlRCLI«IER «5884 SANIOSE CA QUIK 51iip «0034 Q80 SAN JOSC CA ORCHARD SLIPP Y «691 SAN JOSE CA SLIBWAY Ci0387837 LOS GA I OS CA WAICBFENS«2381 SANJOSE. LA Will CRELNS «7384 SAN,'0'6 CA WAIGRFFNS «7384 SAN JOSE CA Wni &Br& NS «7.84 SnhiOSE Cn SAFEWAY ETORFOOOOio77 SAN JOSF CA DOLLAR TREE SAN JOSE &A SnrEWAI STOREOOO'i245IJ i OS CA&OS Cn WM SUPERCENTER «5884 5ANJOSF C/i TOTAL PURCHASES AND ADJLI5TMENTS 3781 3779 1675 3228 1613 0519 2791 1050 6801 0458 2811 7022 7105 698S 92S7 2628 0089 FOR THIS PERIOD 5492 5492 5492 5492 5492 5492 5492 5492 5492 5492 5497 5 II92 5492 5492 5492 54'32 5492 26.00 3.70 21 02 23.48 3 711 37 34 28.00 10.91 600 1.20 I 20 1.20 5.52 14 89 218 25 56 43 25 $255 15 06/26 06/26 06/26 06/26 OC/26 06/26 06/26 06/26 Interest Charged INTEBE5T &HABGFD ON PUflCHASF( INTERE5T CHARGED ON BALANCE TRANSFFfls INTEREST CHARGED ON DIR DEP&CHK CA5HADV INTEREST CHARGF0 ON BANK CASH ADVANCES TOTAL INTEREST CHARGED FOR TIJIS PERIOD 46 44 000 0.00 000 $46.44 Tatal fee r.hargerj in 2017 $0 OO lotal interest rhaiged in 201 '325 09 Interest Charge ( aieulatien Youi Annual Percentage Rate JAPRJ» iii .ir i i„1 iire -.,iie on you .i inunt Type of Balance Annual Perrentage Rate Promotiilnal Transaction Type Proiliotlo(1«1 Offer ID P r0 111 0t I 0 I1 a I Rate End Date Balance Subiect to Interest Rate Interest Charges by Transaction Type Purchases Balance Transfers Direct Deposit and Check Cash Advances 17 19. V 17'19« V I//I« V 5 437821 5 0.00 5 000 c, 4644 5 0 LO 5 000 Bank Cash Advances 19 99M V 5 000 5 &i 00 APR Type Oehnitions 0 ily Inta es: Rate I y e V- Vuiiabl» Bale (i, t» in iy»aiy, DARIC A VISTRESSAT I Cur &i rit; ~~~ 54n7 I May 27 Jun Rh 7C!17 IITTPOI'Lc311L MPSSQucTPS 55.20000 in dispute pending compliance with resolution procedure YOLII'OVVCB I'Cl sLIITIITICBry 15254 REDEIMED 2 55 BASE EARNED THIS MONTH 2.52 BONUS THIS MONTH 5.07 TOTAL AVAILABLE VISIT BANICOFAMERICA.COM 5/hat could you do with some extra cash' lslllg II'le 4!I it I IIc' in I'ill 7riut li'ittl t IICI Iol I Ii llutter' ill'I Ic'I Ol CIII ('C I » i,tr: It ID;t« .»: iii il; « ~ I u c" mr',:nltrul" r'! u "rlt*i'ar today. Visi'I bankofamerica.com/makeatransfer r: c HII 800 61 5.3277 264 BaakAmerioard ~ Cash Rewards. Visa Signature" MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95118-2325 Customer Service Information: www bank o fame lice l am I 800421 2110 TIV I 8Ci031631/8 Mail billing inquiries to: Bank of Almenca I 0 Box 982234 Fifusa TX 79998-2234 Mail payment to: Bank oF America P 0 Box 15019 Wlimmgtan OE 19886 5019 June 27 - July 26, 2017 /lccovnt/I ~~~ 5492 Previou. Balance Payments and Other Credits Purchases and Adlustments Fees Charged Interest Charged $ 9,386 83 -f34 8 110 $288.03 $000 $44.38 Payment lntofn3otion New Balance Total Current Payment Due Total Minimum Payment Due Payment Due Date $9,371.24 $85 00 $85 00 08/23/201 7 New Balance Total Total Credit Line Total Ci edit Available Cash Credit Line Poruon af Credir. Avmlable for Cash Statement Closing Date Days in Billing Cycle f937i 24 $ 23,000 00 f i3.678 76 $ 11,500 00 $ 11,500.00 07/26/2017 30 Late Payment Warning If we do not receive your Total Minimum Payment by the date listed above, you may have to pay a late fee of up to $38.00 and your ApRs may be increased up to the penalty ApR of 29.9996. Total Minimum Payment Warning: If you make only the Total Mmimum Payment each penod, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additionai 'You w'ill puayloff th':x:;Andy'ad w'ill i rid iip charges using this card balance shown on'tl'ils p'eying an estimated and each month you pay statement m about tata! of Only the Total Minimum Payment 23 yeats $ 1 8,596 00 $315 00 36 months $ 11,340 00 lSavings = $ 7,25600l If you would like information about credit counseling services, call 866.300.5238 5492 BANK QF AMERICA P 0 BQX 15019 WILMINGTQN DE 19886 5019 /iccoullt fiunliml ~~~ 6492 fvaw Balance Iotai loial kiilxnxml Pavmrni Oue P wliv'nl Duf.'lnl $9 371.24 $ 85 00 OR/23/2017 MARK A MEST RE 5 SAT i45 LUNING DR SAN SQSF CA 95118 2325 full'.I iilllnll'ill,annul I 5 51, Q 211'65 MARK A iMPSTRCSSAC I Ar&oi ii ! ~~~ '!62 I,tine 7/,u y 26, 2017 no& ooo ooo c IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST I!h w II nu& rh.& I; rirar st. On Fmcl;ses nn tli next !&»terner&L rl you p&y the New C&lar«e I &al &n f»ll L&y tt&e P'yment Due Dace, ar'd you h xi paid m full by &lie pi evi&„n !Uyr 1 n! D ie D &ia We will heyn rharg&ng into est on Balance I &ansfe 1 and Ca h Adv inces on rh uansa&r&o» dar.e TOTAL INTEREST CHARGE COMPUTATION - Inteipst Ch!iges acriue !nd cornpouncled on a daily basis 1o detmm n th Inteicst Cha ges wp multiply each Balanre Suh!Pct to intciest Rat by it apphc!Olp Daily Pe&iodic Ratrm&rxl iha& result is rriul&rplied by di& r ur&ibrr &I day* in th bigmb r ycle Tu rieterrnine Lhe total int rest Charge foi the I»lhng cycle, we add the Pe»odic Rate interest Charges together A Daily Periodic Rate is calculated by dividing an Annual Perrentage Rote by 366 HOW WE Al.l OCATF. YOUR PAYMFNTS - Pnyment!. Orc alir r! ted to posted balances If youi account has balances vati diffei ant APR!, we will agocate the amauct of your papnr*nt oqusl to th Total Miriimum Payment I')ue to the lowest APR balarices hrst (including trar&s ctions made altar this statemem) Payi&iem amounts in ex&ass of you Total Minimum Payment Dup will be applied to balatices with higliei APR! be(uie b&ilances with lower APR! IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE Wlien usmg the uptional P!y L&y.phone seivice, you autho ize us to initiate an plpc&roni& paympr&r fir&m ynur a&count, r t fir hn!nr ial insritution you designaLe Ynu must aurhoime the amount !ncl timing of psrh p!yrnpnr Foi your p&otoction, wa wdl ask for secui&ry infoimst nn A fap m!y !pply!n& r xpecktr 4 se&vire To cancel, call u befnip thp sr hedulr ", payment date qar&i& -rksy paymerit cannot be edited or &&ncr lpd YOUR CREDIT LINES - The Ir!tal Credit Lnie is die ainu»»; of «ed&t ~va&table For the account. howevei. only a portion of t liat is av,viable for Bank Cash Advanres I he C& h Credi& I ina i &imi. On u i& you liavc iva I.ibis Iui Bank Gash Advances Generally, Li nk Cash Adv,inr.e &.on is! of A I M Ca* h Advanres, Over the Counter (DIC) Cash Advances. Sam -Day Dnhne Cash Advances, Overdraft Protect&on Cash Advances, Cash Equivalents, and appk cable transact&on Fees MfSCELLANEOUS Pmmotional R!rr Fnd Dai. This date is bas d on a future staten'&ni clos&ng I,.ip If y &&& rc&ng you'a!'f 1& h p r!!Ie, lill &3'&ce could chai&ge V&rtual &a&ds ore iiir !&g&r!I form of ynur i&grbl nt'ytrisf r, drt &nr Is stored wit!1&n 1 digital wallet CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Average Datly Balanro Mottiod (includmg new I'urchasesl We caiculare sepaiato B&lane" Sub)art to an inret est Rate for Pu etio!as !nd foi e&&h 'nti oductoiy ui Piornotiori if Df(er balance consisting of Putch!ses We do tl!s by (I) calr ulat&ng a datly balance fo& cacti day in ti&e billing cycle, (21 odd&np all iho dewily bolances togetliei, and (3& dividing the sum of the daily baiancr.s t&y the nuinber of days rn the b&llirig cyc lp To calculote che daily bal!nce for p &&11 day &il this st!temont'ill&ng cycle, w (I) take tlie beginning bolancp, (7) acid an amount. equal lo the apphcable Daily Periodic Rate multiplied by the previous day's dady balance, (3) add new Purchases new Account Fees, and new Transaction I ees: and (4) subtract applirsble payments and c& edits If !ny daily balance is less than zeio we ti eat it a&s zprn. Average Balance Merged (including new Balance I'ransfers and new Cash Advar&cps) We calculate sepaiate Balances Subiect to an incei est Rate for Balance Tran fe&s, Cash Advances, and Fo& each intrarluctory or Piomotional Offei balance consisbr&g oF Balance Tiansfe&s or Cash Advances We do this t y (I) calculaung a daily balance foi each day in this statement's b&ll ng &ycle, (2) calculating a daily balance for each day prior to rhls statement's b&lling cycle ttiat had a "P&e Cycle balance - a Pr&.-Cycle balance is a Balance Tiansfer oi a& Cash Advance w&ti& a transaction date pnor to this staiement's bi Rmg cycle bul with a pristmg date within this statement.'s bid&ng cycle, (3) adding all I!ie daily balances togett&er, and (4) d&viding the sun& of tt&e daily balances by the nun&bei ~ I days in th&s sratem& ntg bilkng cycle I o calculate thr daily b1&anre For each day i ~ this sla&er&ient'1 bdling cy«le wp (I ) take the beginmng balance, (21 add an amounl equal to the appkcaL&le Daily Periodic Rate multiplied by thc pi vious day's daily balance, (3) add n w R &lance Tianslpis, new Cash Ai!vancas a&nd fi insacuon I'ees, and fa', sub!mr t. ,!pplirsble payments and ci d ts If any claily bd inr e s les tli &n z ro we t e&r it as zero. To calculate a daily balance fo& each day piiot to Lhis statement's billing eyrie that had a P&e-Cycle balance: (I) we Lake Lhe begmning balance attributable solely to Prr -f'ycle balance (which wrll be zero ori the transaction date of the fiist Pi -I'yrlc ba!ance), f2) adcl an amount. equal to the pplirable Da ly Periodic R te mult&plied by the previaus day's darly bafance; (3) encl arid inly the,!pplirabie P&c Cycle balance and the«related I ansactron I e We exclude froni th&s calculation ag ti tr§ion posted m previous hiding cycles "0& t 1 &'1l»c'I m& n&s an&! &!»&&i» on &f you&'&ceo& &1& c»»li '/ .« I airl AD c cmen& Tl! s amount is issued and admin srr r 4 by HA r., FIA Carr! 6 rvice &s a reg&!&wed trsdema k oF I IA L 1 4 Sr rvir s1'ffil!t. PAYMENTS vvec ed t m, led p! m: aso! rha crt & pl f r!. &&yap r month&" t&&erne & (2 p*d thac&'ec!d&»nU' i&1&o ads fn&ncai st iut on or a U 6 do&Br money o de a 4 U se t tl e eiu e elope th o ly th w&r. p«t. fy t ~ r n nt o»pa! g, r P yme»ts e edty»a lofts 5 pm I &al «at rh cmt&„r odin*&&». !d&«ri. I f.&t»P ym & Due bate 6 r ha&o&he &pmee& ti eaho«e»u»rs I',c&, Ia& f thp t,.! P,y t madeonl neo bypho e & &&bee Cd &re.'. of the d, re of rept f,d:by ' C nual C ed r fo any the paymenis»w! &e dplayec& p to f ed.! C,sh payments made w thou tel&a so ! !Ki «&h Tet&a Ass &t iaTA& . Ii cniy be ac& pteo with oval&d I!Ppap c & h &loca a&ac!a accodand .&Info&1 1 v&h&.t thea o mtenaapov i ofo eUo, Se.- D'f oem !Cap oc 'o&& & y 1 & ci&e&k& "ec''c&1 ! & g &&a nf. 'i t 'o iden!au t - - rl pck vacp. 4 a» I r!& may bew&hri . i. & !o &cc & a. soon as &h. check p. co nt rhu yo top I, pa!»t .m!. Ou r! rt k . Ong io stoppayme t,yo rletter ust ch s tl est the bus s d ysbefoeth t pay e t is scheduled to occ r If you t»gi g add o t. t information i&as cl a ged, o if yo address n&orreta tapp ntl bll plea p d Rc « ti Address I Addiess 2 C»y S U. & C F& inp Pi rn" !tie» ade 'orkPi&one 266 MARK A VI(5 IRCSSAI I Accm.ni ' ~gQ 5492 f June /7 July 76, 7017 Tl cj(IScl(:t(OFJS Ti,lnsaii o. nail. ily/19 'si)rig ili 19 C I pilml Payments encl Other Credits I'AYMENI I HANK YQIJ TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD Refeience NUI I'6 'I c c 0 cali isv ite; 5492 A ,'l l on i) i 1 oi,li -348 no -$ 348.00 06 2/ 06//8 0(,/30 07/03 C)7/03 07/07 07/07 UWIJ9 G 7/09 07/12 07/12 07/13 07/16 07/I / 07/21 il/i 23 0///4 06 28 (16i 29 0/i 01 (/7,'04 07/04 07/08 07/08 07/ I U 07/11 07/I 3 Ci7)13 07/14 (1/, I / 0//18 0//2 2 0/,'2Ii 07,2'urchases and Adjustments WAL.MAf i( )/5884 SAN JOSE CA WALGRt t NS a2384 SAN JQSt LA SOUTH SAN JOSE GRQC SAN JOSE CA QLIIK STOP 40040 QGO SAN JOSE CA HARBOR FREIGHT TOOLS 362 SAN JQSF CA QUIK STOP /10040 QBO SAN JOSF (./I WAL-MART 45884 SAN JOSE CA WAL MAR'I r5884 SAN JOSE CA QUIK STOP 40040 QGO SAN JOSE CA WALGREENS 42384 SAN JOSE CA WALGRCENS 42384 SAN JOSE CA WAL-MART i)5884 SAN JOSE CA INAL-MAR( a5884 SANJQ5E CA QUIK S I OV 40040 QBO SA)9 JQ5C CA I'EARL RIVI-'R flLSI'AURANI'AN JOSL CA WM SUPtR(.CNIEli r56'Gri SAN JOSE CA I-RY5 ELEC IRONKS st CAMPBtLL CA TOTAL PURCHASES AND ADJUSTMFNTS 4236 1439 6912 8691 058S 9680 6540 3494 7755 6412 G586 8730 243 21 13 0073 6699 3082 FOR THIS PERIOD s'I'l7 5497 5492 5492 5492 5492 5492 5492 5492 5492 5492 5492 5492 5497 5497 5492 Siiop 249 490 3 24 25 00 19 3 '000 1311 14 O'I 3.17 170 4 14 10.G6 014 23 00 30 48 15 90 76 33 $288.03 !17/26 0//26 07/26 07/2 6 0///( 07, 26 07//6 07/26 Interest Charged INH-Rt5 i CHARGI 0 ON PUR('HAS(5 INTERESI CHAR(,ED ON BALANCE TRANSFERS INTEREST CHARGED ON DIR DEPgrCHK CASHADV INTEREST CHARGED ON BANK CASH ADVANCES TOTAL INTEREST CHARGED FOR THIS PERIOD 44 38 ono 000 000 $44.38 snnCv'.'-!!@A'im'"."N&~r'/7'~0.p+ Total fees charged in 2017 $ OQQ Total interest charged in 2017 $37027 ll(EQI t2$ $ Cllil(UUQ CcllCLIIU(:fo(3 Yn,. Annual percentage Bate (Appj is ihi anr )al lntc lr st lair nli youl lrcount Type of Balance Annual Perr.entage Bate Promotional Transaction Type Promotional Offer ID Promotional Rate Eml Date Balance Subject to interest Rate Interest Charges by Transaction Type Purchases Balance Transfers Direct Deposit and Check Cash Aclva )1 c e 5 12 74%V 12 74stV I 7 99%V 5 4 73864 5 non 5 000 44 .)8 5 0 GO 5 nno Bank Cash Advances 2G 24'sy 5 DOG 5 0 00 4 R Tyre Qcf ". t ons Olily inrerest Rate Type V- VaiiaI'le Rate (iate may vaiyi Pace of 4 267 MARI(A ME(TRLS(AT I iicr tuot i ~~~ Sr!co I Roe ii IVV )f. 2617 IITIPOItant MeSSageS S5,20000 in diepute pendmg compliance with reeoluuon proceduie YETLII RE."vvBEEI SLIITII1ldry 2 86 BASE EARNEB TIIIS MONI I I 2A2 BONUS TRIS MONTII 10.35 TOTAL AVAILABLE VISIT BANKOEAMERILA COM What could you do with some extra cash? Ueing thc. available credit on your Or dit. c.,ird for a bulano u,in(fur oi direct depoutl c trt I rilp vui, ruvr i in tpir expr n'c", r r!n(nltrl tio dr Itc,tr«1 rtiurc Start today. V!v!1 bankofamerfca.com/makeatransfer rir call 800761 5.3277 B« t it i,tol t I t" torah Ii ', *'rr i!i "Iiv r trt i! « I rn 3 r«el ir i rr,««c t I t!«unh~ td «Cr tier r..t rl I 1 B«n«ul,'.r i'i; i NA c,tu ! I ', Niu i! N!XNIE«RX e] «!42 B BankAmeriCard Cash Rewards. Visa Signature'ARK A MESTRLSSAT 1455 LUNING DR SAN JOSE CA 95118 2325 Customer Service Information: www Iwnkpfamr- ica rcm I Boo 4/I 2110 TTY 1.8003163178 Mail billing inquiries to: Bank of An ei ca PG Bxx 982234 Ei Paso TX /999/I 2734 Mail payment to Bonk of Amenca 8 0 Oox 15019 Wihmingto&yf&E 19886 ! 01'I luly 27 August 26, &017 Accovnfx ~~~ 5492 AccQLII lt SLIITIITiafy Prewou" Balance Payments and Other Credits Purchases and Ad&ustments Fees Charged Interest Charged $9,371.2'I - $ 150 00 $307 59 $ 0 00 $47.24 Payment InIETrmation New Balance Total Current Payment Due Toml Minimum Payment Due Payment Due Date $ 9,576 07 $90 OG $nnno 09/23/20'I/ New Balance Total Total Credit Line Total Credit Available Cash Credit Line Portion of Credit Available for Cash Statement Closing Date Days in Billing Cycle $9 5/60/ $ 73,Coil 00 $ 1342393 $ 1 1,500 Oii $ 11,500.00 08/26/2017 31 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 ta $38.00 and your APRs may be increa ed up to the Penalty APR af 29.99qe Total Minimum Payment Warning: If you make only the Total Minimum Payment each penod, you will pay more in mterest and it will mke you longer to pay off your balance For example 'If y'og make..no'additiona1::;You wfli'pacyoff rhe . And you will end upIr 'hargesuglng this bard bdlance shown'on'this paying an estimated and each month you pay statement m about total of Only the Total Minimum Payment $321 00 23 yea&'s 36 month $ 19,018 00 $ »,556 Oo iSavingc = $ 7,467.'01 If you would like information about credit counseling services, call 866.300.5238. 5492 BANK OF AMERICA P 0 BOX 15019 NIILMINGT ON DE. 19886-5019 Account Numiiei ~~~ 5492 New Balance 'Ioiai Total Minnnuiii Paynieni Due Peynieni Due Dnie $ 9.5/6 0/ $9O OO Oc&/23 20&7 MARK A MESTRESSA1 1455 LUNING DR SAN JOSL CA 9511S 2325 Fairy I aynierii aniouni $ idcfih c po I 4 ihy h i p y hi t e h ipmcncp 5L,'i 2ii~ 269 MARK AM»»TRFFSAT I Arcouiir '~~ 'g2 I iily 27 Aug» t 26 2017 no» . a»a - nno IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST . V'Jr.* will not cliaige intr test on Pi,rrlmses n thr next statement if you pay tlie N w Bal&ncc I oml in full by the Paymenr. Due Date, a& rl you hrid pairl in full by tlw picviou Piymenr. Du D ite We w II bcpn chorgng inteie't vn Balance TtansFcrs and Cast& Advances on Lli t&ansact&on date TOTAL INTEREST CHARGE COMPUTATION Inteiest Chaiges accrue and Jie cnmpounrled nn a daily b&sis To dereimine tlie inrei est Chaiges we multiply each Be&mice Suhiert to interest Rate by its applicable Daily Pr iiorlir kate ariel that iesult is multiphed by the number of days in th big&rig &ycl To determine the total interest Charge fnr the biking eyrie, we add the Periodic RaLe inlere L Charges roget lier A Daily Periodic Rate &s caiculared by d&viding an Annrral Parr.ertt,ige R,ite by 365. HOW WE ALLOCATE YOUR PAYMENTS - Poyi .ants are allocated tn pnsted balance; IF youi accnunt has balances oath different APRs, we will akocatc the amnunt of your payment equnl ta the Total Minimum Payment Drie to the lowest APR balances first (&ncludmg transactinns made after this statement). Payment amounts in xcess of yo&n Total Mmimum Payrnerit Due wik be applied ta L. Ianres w&tli higher APRs before balances with fewer APRs IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - Whar& usirig the optional Pay by Phone service, you autho ize us to initiate Jn electron c payn&enr fiorm your account at the financial instrtution you des gnete you must authorize the amounr. and tirnn&g of each payment For youi protr rtion, we will &sk for se&unty i ~ formation A fee may apply for expedited service To r anrel, r &k us before the srheduled poyment date. Same day payments rannnt be r dited or r ance&ed YOUR CREDIT LINES Tlie Total Credit Line is Lhe amount of credit av ~ fable for lhe accourg, however, only a portion of thai is available for Bank 1 Jsli l«lv.»ir.es Ilia ' Ii Lieuir Line is di,i&,»ivaurrl you I&ave available lor B.ink C,isl& Arlvan&es Gener &fly, i3»nk C.&sh Advances con ist of ATM Cash Arlvances, Over the Count r (DT Cl Cash Advance*, Same-Day Online Cash Advances. Overdrat't Piotectir&n Cash Advances, Cash Equivalents, and applicat&le transaction fees MISCELLANEOUS v nmotional kate I-nd Date. This date is based on a futu starem nr. clos cg &fate It you change your payment. due d&!, this d&te could change Tlie Nev& Balonr e Total wliich appears on this statement is not a payoff .&rnounr and may be sribiecr ra add tional inrerest chaiges when you pay in fi&k&ftr-; y» r st&temcnr &losing date Noose r ontort the customer seivlce nunh r la&at d on rh& I nni ol:h&s tatement for a pay.ntf or»aunt Virru»l '&» el&g I r. rt'y»ra& rr, kt ror is» ore&&wdhin & Ot,&'ra i et CALCLII ATION OF BALANCES SUB)ELT 'fO INTEREST RATE Average Daily Baian&e Me!and lrncluckng ncw Puict&,ives) We c,nr:ulote separate BLL&nces Sublcci. to w& in&cia»i Rare foi Pu rima Jnd fcr each In! i ado&tat y or Pi arnot or&JI Otter 6 il,» ic» i ansi t ng of Purchases We dn tt&ls by (I) calcul*ting.& d.i&ly balaric foi earh day n rhe bikrng cycle, f2)adding,all the daily baler&ccs ropr il&ei, Jrvl i3i rlniding LI um of rhr- daily b&fanr s hy Lhe number of days in the 6 Ihr g cycle To calculate Lhe daily balance fo e&cli rl&y n tliis srat mcr&t's bikinp eyrie, we (1) take ihe beg:nning balance, f2) arid,in,ar&iount equal to the applicablo Daily Peiiodir. Rate rnultipl&r.d by the previous day's d*ily balance; l31 add new Pard&ases, new Account Fees, ond new Tiansaction Fees; and (di subt reel applicable payments ond credits IF ar&y da&ly balance rs less than zero we treat it as zero Avei age Balance Meri od (mr ludirig new 6 il »&e Transfers and new Cash Advances) We calculate separate Bc&I.&ncaa Sublect to an interest kate foi Balance Trm&sfe&s, Casli Ad»a&&ces and ior each int oducroiy oi Promotional Offer balance consisting of Balarx.e I ransf is or l.ash Advanres Wr dn rh&s by. (1) calculatrnp a daily balance foi each doy in rhis statemr nt's biking rycle, fp) calculating a daily balance fo& ear.h day pi o& ro this statement's b&kmg cycle. that hade "Pie Cyr.le balance a P e Cycl balanre is a Balance Tiansfero& a Casli Advance with a trans&ct on i&ate pr & to thi statement's bikmg cycle but willi a postmg date withm tt»s star en en& 's uilhng cycle, (3i adding ak the daily balance togetl&ei, and ldl rl v r.'ng tlie crim of the* daily balances by th= numb«i of days in this statement's biking ryrle 'la calculate tlie daily b<nre for c och dny n!I is smtement's biking cyr le, we (1)take the beginn ng balance (2) add an amnrinl equal lo Lhe applicable D.»ly Per odic Rate m&rltipl&ed hy the pre»&ous day': daily balance, (3) add new Balance Ir»n leis new Cash Ail« nccr a,l fr&noicriur& I ees and fa) subtract applicable p&yrnri&ts and c»d ts If any I& '7 Lmlanc is less tli.ri z ro we tree! it as zero. To calculate a daily balance fo& each day prior Lo this statement.'s billir&g cycle that had a Pre Cycle balanre (I& w. take the bepinning balance attributable sol ly to Pre-Cyr ir balance lwh cti w k 6 zc* o on the trarisiction date oF the hist I'ie 'cle bsc&r&it&, I7,'r»d» ar&xu t '.a to rhe,&ppi&cable Da&ly Per&odic Rate rvultipbccl by the pr v&ou. day': daily balance, (3) and acid only rhe applicable Pie-I y. Ir balances,&nd th&ii roL!ed Tians ct on Fee We ex&hide fioni thi &alcul&tir&n all ti &ns&r rior; p & teel in previous billing cycles Fn tl e rnmoieh t i" . &c»r», »n Lrn. r, co»soll your Live t ( aid AOr ament Ihls crcai r . ~ s it»r . r»i s c erl by I &A 1 & rl hemic FIACL&r, ~ i»&L' a cgwr .-(, ...'. ' .' A ' o S,v&L so& &L nr rts affikates PAYMENTS wr& dr-r «- p y" t&.sof th d ie c d, I theo yn t e e "by ',vial r,e v\ rh» ad I e& sri wn o i»e em tta re v uv of yo« m" I&lysi»tern nr O pad wth acr&eckd & n U'oll» son»US f&nan stt to w»US dolls mo evade a dislse t the ru e elopewthonlythe remrta capo r ofyo stvtementoccomva y g t Payme ts ecovedbyma rafts 5 V I alt v art& * e rti r ai!am»on inydoy cl dng &he payment D e Date but that,rr&; o * the»bv o «* & ms I'6» edt do&orth td y p»ymenrs ,dr I bypho r II br c edrrd, »of rhedoteof pt Ir od.by cpm Cent ol C ed&lie any orhe Voynents may be delayeri p to fr e day Cosh poymonrs n»d w rh o r II s ~ ATM v th re&le Ass&s& IATA& a only b accepted w&th a val d t ov*y & &t I& I »a*re *n do do»a»foci n &th- tr.hep c.« ttenapp &ol or,o t.&rheele to&c fw do r & &f,&ll at tr,e he Is:ea - th f o t clieckng&cco nr tri yo mnst vthepaynw ro any. o ntyvvttink s ong lo t ppay t,y I tte« I ah tr,sttheeb doy 6 f th r I vy t chdldt Add,ess I Address 2 C ry Litr'ip Hmrle Pho &e Work Plione lf your b&lhng dd . o« t, t f, t I, s changed. f y . dd 270 IUARK A MLSTRESSAi I 4 cotior 4 ~~~ '4'I/ I uly 77- RuC i,r 76 2(!17 T!'al'Tsaetfons T,onsactinn Oltl'BO I Po s I F 118 D,it 08/2 I D osc I I p I I o ' Payments and Other Credits PAYMENT THANK YOU TOTAL PAYMENTS AND OTHER CREDITS FOR TH(5 PERIOD Rcforem e I 'l 1 16 m 4434 Accotrlti Numt ei o"I'32 Art tun 1( I - 15000 -$ 1 50.00 07MB 07/26 07/26 07/2 6 07/30 07/31 08,'02 08/02 08/04 08l08 08/(19 08/09 DL(/I 2 08/I 7 08/20 08/71 08/27 08/72 08(24 07/77 07/27 07/27 07/28 08/01 08/O'I 08/03 08/03 08/07 08/I 0 08/10 08/11 08/14 08/18 08/77 08/22 08/73 08/23 08/25 Purchases and Adjustments WAI.GREENS 42384 SAN JO5E CA FRYS ELECTRONICS ob CAMPBCLL CA WALGREENS o2384 SAN JOSE CA SPROUTS FARMCRS MAR SAN JOSE C/I QUIK STOP 40034 QBD SAN JOSf CA SOUTH 5AN JOSE C ROC SRN JOSt ( A WM SIJPERCENTER 45884 'AN JOSE (A WALGREENS r2384 SRN JOSE CA LUCKY 4757 SAN JOSF SAN JOSF CA LUCKY 4757 SAN JOSF SAN JOSE CA WALGREFNS 47384 SAN jOSE CA I UCKY (1757 SAN JOSE SAN JOSE CA INAI-MART (i5884 cAN JOSE CA WRI -MART,"5881 SAN JOSE CR QUIK STOP s'00321 QBO SAN JOSE CA WAL-MART s'5884 SAN JOSE (.A WALGREENS s2384 5AN JOG L LA WALGREENS, 2384 SAN JOSL CA WALGREEN5 42384 SAN JOSE CA TOTAL PURCHASES AND ADJUSTMENTS 9936 3849 9852 0474 5672 6983 9930 5433 542G 5961 86414 604f 3779 9691 2955 6160 7999 7817 0222 DFOR THIS PERIO 5492 5492 5497 5492 '497 5492 5497 5492 5492 5492 5492 5492 5492 5492 5492 54'J/ 5492 '&492 5492 11 95 61.98 3 82 9 00 24 On 17 46 17 39 I 20 11 00 21 /7 370 3.98 16.14 59.92 24 00 ID 79 4.59 1.2(i 3 70 $307.59 08/26 08/26 (TB/26 riB 26 08(26 08/26 08/26 08l25 Interest Charged INTEREST CHARGED ON PURCHASES INTEREST CHARGCD ON BALANCE TRANSFERS INTEREST CHARGED ON DIR DLPBCHK CAS ~ ADV INTERLST CIIARGf 0 IJN BANK CASH A(IVAN'-5 TOTAL INTEREST CHARGED FOR THIS PERIOD 47.24 0 00 0.00 0 00 $47.24 Total fees charged in 2017 $ OOO Total interest charged in 2017 $417 51 Interest Charge Caicuiati an '(uui Annual Petcentage Rate (APRJ s tno annual m"ios .tt- -» y ui,uc, r. Type of Balance Annual Perrentage Rate P re r1 to tJ 0 im I Transaction Type P re n 1 et 1 0 rt a I Offer fD Promotional Rate End Date Balance Subject to Interest Rate Interest Charges by Transaction Type Purchases Balance Transfers Direct Depostt and Check Cash Advances 12 74ooV 12 74oeV 179 'I' 5 436'45 5 000 5 000 5 47 211 000 5 000 Bank Cash Advances 202'I" V 5 000 5 000 M'8 ly e Del o I ol Daily lilt t \i I, lo Ty V Vat able fioio ( tia Page 3 of 4 271 MARK A MF TRI SS/7 I Arcov rt a gg~~ S'I ?, l iiy 17 - Aii&r 1 2e ?L117 ifflpoftafit Messages SS,200 00 in dispute pending complmnce with resolution procedure Yotlf ReVVai'd StifTllTlarp 3(M BASE EARNED THIS MONT'H 2 63 BONUS THIS MONTH leoe TOTACAVARABCE VISIT BANKOFAMERICA.COM THE VIETNAM WAR A 10-p lrt, 1 8-houri lai&rlililik event proniioring ." Pptenibi r 17, B p in r islam B &rik r&t Amer iia pir&udiy suppoi t, Ken Buiris'&rid Lynn Novir k's fit n. Tlir I/rniiioni IV r Br r,iusi ve br lievr tlmt unrli rsmnilgig the pi roper iivriw r&f oirr p isi IR Ir&. I onnoii us ail and make u her tr r IVAHIUi Tpik abrgii u //bettertanneCted hankofamerica.corn/vietnamwar LIFE / BETTER CONNFCTFD OI I! Iiml fAmiii.; rcrureiioo "M.DS I 'D 7!I B I APDkll I '/A/ Additional Information Need to dispute 4 transaction? For the fa test di pute resolution, please contact the merchant If unsuccessful, simply file a dispute online WWW bankOfameriCa COm celeCt yOur CrediL Card aCCOunt, CliCk the "InfOrmatian & SerViCeS" tab and lhen -eleCt the Diapute a tranaaCtiOn" link under the "Service"." ection Page 4 of 4 272 BaakAmerioard ~ C-6 Rew.ro'isa Signature" MARK A MESJRESSAT 1455 LLINING DR SAN JOSE CA 95«8-2325 Customer Service Information: WWW ffallkoiaf'fPffco fpf f I BCfo 421 2«n 1 IY I 800 346 3178 Mail billing inqufrips to: Bank ci Af w fa 6Jx 96) !'i Paso TX /9998 2234 Mail payment to. Bank oi America P (1 Bux 1501u Wflm ngton Di I'i(186 '19 August 2/ Sep(embpi 26. 2017 Accuuf fix ~~~ 5492 /-"tecount Summary Previous Balance Payments and Other Credits Purcha" es and Ad/ustments Fees Charged Interest Charged $9,5/6 O/ -$ 200 00 $23098 $o.oo $48.60 Puyment Information New Baiance Total Current Payment Due Total Minimum Payment Due Payment Due Date $9,655.65 $92 00 $9/ no 10/23/2017 New Balance Totai Totai Credit I ine Total Credit Avai Fable Cash Credit Line Portion of Credit Avaiiabie for Cash Statement Closing Date Day m Billing Cycle $9,655 65 $ 23,000.00 $ 13,344 35 $ 11,'0000 $ «,soo on 09FJBF/fJ17 31 Late Payment Warning: If we do not recewe your Total Minimum Payment by the date Fisted above, you may have to pay a late fee of up to $38.00 and your APRs may be increased up to the Penaity APR of 29.999M Totai Minimum Payment Warning. If you make only the Total Minimum Payment each penod, you wiii pay more in interest and it will take you longer ta pay off your balance For example ]f you,make na additional You wiii payoff the, And you wiii end,up. charggs using this card baiance shown on this paying an estimated and each month you pay statement in about total of Only the Total Minimum Payment 23 yeaf'19,183 00 $324 00 36 month: $ 1«66400 1wnp" = $ 7 519001 If you wauld like information about credit counseling services, call 866.300.5238. 5492 BANK OF AMERICA P 0 BOX 15019 WILMINGTON DE 19886-5019 Account Nuffiiyei ~~~ 5492 New Balance Total Total Mmimum Payment Duc PayflIPt'fl Dflf: Dai $ 9,555 65 $ 92 00 10/23 '201 7 MARK A MESTRESSAT 1455 LUNIhIG DR SAI4 JOSE CA 95118 2325 Cfliar payfffcffi Iflfailffi 5 M ifi p 1 4 fhy ch hppy bf f 8 k fh f fp 5t,l 28 ~ 273 MAHK A M (IHLSSAI ( Account 4 ~~~ 5437 I llug&,& 77 (cuir mb. t &LL 2017 loa - ooo ixlo ~ & IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST We wdl trot &h«ge lite&est o' &uchlses &&It'i&xi statement if you pay rhe New Balance Total m full hy tlie Paymr ~ t D»e Dire ar d ynu harl paid m full by the previous Payment Due D &te We w R begin hirging irit rest on Bal*nce Transfers arid Cash Advances on the transamior& dm e.. TOTAL INTEREST CHARGE COMPUTATION trite est Chatges acciue and aie coinpounrled on a daily be is 'Io detetm ne rlie Inta es: Cha gee we multiply each Bafance Subject to Inteiest Rate by &ts applicable Doily I'r t oclic Hate and that resulL is multiplied by the nun&her of days in tt e bibnig cycle. To deteimine the total interest Charge for the billing rycle, we add the Pe»ndrr Rate Interest Charges together A Daily Pe«od&c Rate is ralnilated by dividing an Amwal Percentage Rate by 365. HOW WE ALLOCATE YOUR PAYMENTS - P.iyinenls,ire abora& ed cn posted balances. IF your accourit has balances with different APRs, we writ allocate ttie amount af your payment equal to the Total Minimum Payment flue to the lowest APR balances first (mclud&ng transactions made aFmi this statement) Payment amounts rr& excess of your Total Minimum Payment f)ur will be applied to baler&ceo with higher ILPR& befoi e halarir as willi lower APRs IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE When using tbe optional Pay by Phone service, you author ize us to in:Lmte an electronic paymenL (i arri your account at the financml inst»ution you ilesignale You must authonze the amount and timing of each payment. Foi your protection, we will ask For securtty infer&nation A fee may apply foi expediterf service To carirel, cag us before the srheduled poymerit date Same day iiayment cannot be edited or canceled YOUR CREDIT LINES - The Tot*i Ci edit I ine is the amnunt of m edit avmlable For the *rrount, tiowever, nnly a poitiori of ttiat is available foi Bmik Cash Advances. Ttie Cash Credit Linc: is tl st amount you have available foi Bank Cash Advances Ceneiagy, Bank Casli Advene-. con,st of AFM Casl Advances, Ovet the Counter (OTC) Cash Advances, Sam Day Online Cash Advances, OverdraFt Protection Cash Advances, Casti Equivalents, and applicable tiansartion fees. MISCELLANEOUS Promotional Rate End Date Tive dale is b.ised on a futorr'aternent &lu rrig dale. If y &U Lb»&&go I'ur pay& "e» » IL &Ill could change Tlie New Balance Total wtiich appeais on ttiis si,itemvnt. is not,i payoff arnouriL anrl may be *ublecl &o,iddrt anal int. »Lt. & Imr s wh r you pay in full aber youi statement closrng datr.. Pleas contacr. ttie &usus nei service number ter»ted an the Front of rhis tate&nant fo& a pal off an ounr ilut cr rd. are Lhr. digital form of your ekgible phy digital wallet CALCULATION OF BALANCES SUB)FC I 'IO INTEREST RATE Average Darty Balancr Method (iricludir&g now P&rrchase I We cuir. ~ late sepa ate Balance'*(iblect to an irgeiest Rate for Purcliase aind foi eaih intioiiummy or Piomotior&ai t)fFer balance cons sling ol Puichases We do thts by (I) ra!rotating a claily bolance for earh day ir& t tie billmg cycle &2) adding ab rhe 4 ily tialarices topcthei, and (3& divid ng ttie sum of the daily batsr ces by ihe number oF day" in tt&e bdlirig cycle. io calmilate rhe daily balance Foi each day in &isis statementb billing cycle, we I I ) trike Uie beginning bolancei (2) add an amount r qual tr& &tie applicable Daily Periodic R.ue rvirluplied by the previous day's daily balance; (3) add new Puichase, new Account I.ees, and nr w Transaction Fees; arid (4) subtract applicabl payments and credrts If any d*rly balance is less than zero we treat. &I as zero Ave& sge Balancr Mettiod (inc ludir&g now Balance TransFeis arid ricw Cash Advaricr s) We calcuLste separate Balances Subiect. to an Interest Rare for Balancr Transfers Cash Advanr es and foi each introductory or Pramodonal Offei balance cons. sting of Balance Transfers or Cash Advances Wr do this by. (H ralculating a daily balance for each day & ~ this statement's bibing rye le, 12) caliulating a daily balance For each day prior to this statr merit's br fling cycle I!iat had a "Pie Cycle balance" - a Pie Cycle balance is,i Bolanrr Tran fcr or s Cash Advanre with a transaction date prior to this stareit&ent's bilbng cycle but witti a posting date wilhrn tliis tatement.'s biging cycle, (3) adding alt the daily balances togegiei .i&id (4) dividing the sum of the daily balances by th" numbet oF days m ttiis statement': billing cycle To L ik ul i&e tlie daily baler&re foi loch day in this statement's billing cycle we (I i Lake the 6 gmning balance, R) add an amour&t equal to the applicable Dmly Periorllc Rare multtplied hy rhe previous day's daily balance (31 add new 6 ilance transfers, new Lasti Advances and Tran actior Fees and (4) sub ti &r t ,ipplraLI paymentsandcr its If anyoadybalancorsle sLh&»z rowe treat It a zero. I o calculate a datly baLsnce far each d*y prior to this statement's bdling cycle ttiar had a Pie Cyr le balance (11 we take the beginning balance attributable solely to Pre Cycle balarice (wtvrti will be zero on the transaction date of the fiiel I'y e bsl,nc. ),;7) adr on,.moiint equal to the applirable Daily Per oaic H sic niulupfi eel I'y the previous day': daily balance, (3) and add only rhe appl cable Pie Cycle balances and theii &elated Ti*risar tion Fees We exdcde I om rias calculatinn ab transactions posted in previous b&lling cycles c n;FI-I tr:,n s.iad c r d&t,on of your,&ccnunr, cnrtsult your Lr edit I, r /\f'» t 1& In&carr»&i& I is &s »eel auld acl nnusimed by Fgl La d (crocus I &A I s o . v«'a Cat oc Lr demark of I 'Af.,&rrf Services "rl o 1 ir k;lI PAYMENTS . We credit matleci payme ts as of the dire ecewec! I rh* ucy &e r eewedbyspm I tall eelltie dde sh tt »t. u &a *I& novi iy tate» rt,!2 pad wtha lack d awn US ooba s& a U( inane'tmUS d ba r ey de, dial se I the erw e elope wrho ly the em tt, ce po bon of ya r stalem nt accompan& ng t Payme &s ece ed by na I afte pm loca &»neat the rem tmnce add ass on any day ncludna th Paynient D * Date b,r that the se eet tha abo e equ e e ts. w b be uerl teo, of the ext dav Payme ts «de o I e o by phone w R be r edited as of the date of ece p& I made by S p m Central C ed t for any other payments may be delayed u Lo I «days L sti p ym n s m &de wtho t lie s ~ ATM th 7 b 4 out(ATA), b lybe. pt d ta Id : " 'a& IID Nopymn&shabopm tease a .d dsat J ln mrh &th p, rt n.:,'l cess m* t paym trheck Ie I »cmlylb &mt, ti, r».,roc 'o &y,. r. &s Ic k & pe Jaitl F rism ybewthdam I o 7 accc '. s c a&in» o to tootherlecrmnc' to sfe,coo us&tie mbe I&tea* th & c f ye I'o ex»io zec! 'o pay yo »ed r - d bi& rc 'au l&y fm y . check ng account w th us,yo can stop the payment on any amoun& you th k s ong To stop payment, your lette must reach us at least three business days before the automabc pay n nt I sch duled to ccu Ifyo bb aaddressorcot, t f to h. h bed o ifyouraddes 7 dcl ass I Aur:ress 2 7&, I Woik Ptione 274 iviARK A M(ST RESEAT I Arcolint s ~ III~ 51,? 1 Ar E/n i7 . 5l i tembcv 26 2017 Transaction. 11'an(Jcllon Qar.e 09/22 I'ost:ng 09. 22 I recap; o 'ayments and Other Credits PAYMENI IHANK YOU TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD Ref ienco Nunboi 4516 Account Kl ul lit 54'12 Anl lJ' - ?Clo Lio -$ 200 00 08/26 08/30 08/31 09/03 09/03 Q9/Qi 09/0 7 U9ii!7 Cici(07 09(1 I 09/13 09/13 09/17 09/21 09/21 08 28 06/3 I L'9(02 o9/on o9/04 09/08 03 08 09/08 0'1/08 09, 1? 09'15 09/1 5 09 18 09/22 09/22 Purchases and Adjustments I QQDMAXXv4605ANJQ SAN JQSC CA JACK IN 1HE BOX 0426 CAMI'BELL CA JACK IN I HE. BOX 0409 SAN JOSt. CA IVALGREENS a/38'I SANJOSt LA WAI GRFFNS v/3114 SAN JQ' CA QIIIK STOP r0034 Qko 5/\N Ji!SF (/1 WM SUPFRCFKITER v5884 SANJQSF CA WALGREFNS*2!84 SANJQSF CA WAI GREF(slS s?364 SAN JOSE CA WiALCREENS s?384 SAN JOSt. CA TARGCT (.0003244 AN JQSC CA BAY AREA COMMUNITY DIA SAN JOSE CA iNAL MART v5884 SANJQSE CA WALGRLEN5 v2384 SAN JQSC CA WALGREE ~ 5 v2364 SAN JOSE CA TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD 0213 4559 9016 9515 9440 4235 1041 6332 6258 /oc!2 5571 2908 06/8 6917 7097 5492 5492 5492 5492 5492 5492 5492 5492 549? 549? 549? 5492 5492 5492 5492 I ~ (.61 C 56 54 3.71 4 9l'l ? 1'io 59.66 I 54 6.10 I 20 35'!3 10 00 3 67'li 4( 45 $ 230.98 09/26 09/26 09NE 09/26 09/26 09/26 Qo//6 09(20 Interest Charged INTERE5T CHARGf L! ON PURCHASf 5 IN I CRCST CIIA ICLD ON BALA IC' 'I(AN(' Ek'1 tfrES1 CIIARGF D QN Dlk DLP, CHK C/ISIIADV IN I tktbl CHAR( tQ ON HANK CASH ADV/NCFS TOTAL INTEREST CHARGED FOR THIS PERIOD n8 eo 0 00 0 00 $48.60 Total fees charged in 2017 $O.OO Toul interest charged in 2017 $466.11 Interest Charge C aicnlati(&n '(Jc Annual Percentage Rate (APRJ *, ib-, .„ I ie -. lv or*youl al ulw'I Type of Balance Annual Percentage Rate Promotional Transaction Type Promotional Offer fD Promotional Rate End Date Balance Subfect to Interest Rate Interest Charges by T ra n sm. t i o n Type Purclmses Balance Transfers Direct Deposit and Clieck Cash Advances Bank Cash Advances 12 74vi V f7954 V 0 rr V 4. 492 01 5 000 5 000 5 oon 4( (.( 0QU COL QC( APR Type Definltlons Dally In'crest kate Type V- Val able flcte ( Jte nay va yj 275 vA IK A Mist'&Essn" l Arrpi ~ ir v ~~~ s«97 I /&ugusi 77. sri rpinbc lr, 261/ Important Messages 53,20000 in dispute pending compliance with resolution procedure Yobrf ReVVar d SL3ITllTlr.if/ 232 BASE EARNED THIS MO&&HH I 31 BONUS THIS MONTH 19 69 TOTAl. AVAILABLE VISIT BANKOFAMERICA COM THE VIETNAM WAR A 10 part, 18-hour landmark event Check youi local listings For times Q pBS 6 irik r/f Amen(.,& proudly suppoirv rcpn Huinu,iii« I /iiri rvnvn kk film, Ti i* V''iniimtv&i&'pasi .Ip imlipvp th ii undwst iii«ii&f,'im I'&prop I&i,pv of i&&&i p &' hiups roiirv. I. ii all ai&cl &1'Ialkr tls bpII'r.i Vv',&icli n i,&1k,ilnsii ir. //betterconnected bankofamerica.corn/vietnamwar LIFE / BETTER CONNECTED '' 2 61.': nk p''i i'& iv 'p& pu& ail » & ''Iv i& 0'&BR ARBI I& Fvm/ Additional Information Need to dispute a transacuon7 For the fastest di pute resolution, please contact the meri.hant If unsucce sful, simply file a dispute online ww& i bankofarnencu corn. Select your credit rard arcount, click the "Information 6& Serwce "tab and then select the "Di pute a transaction" link under the "Service:ection Celebrate 20 years of Museum on U " Dunng the hr t full weekend of every month, lust how your Bank of America'redit card and a phoro10 foi one free general ad&russ&onto more than 17S ctrltural in titutiori Leaiin more at bankofamenca& corn&ansonus Puer I u' 276 BaftkAmerioard Ga.r Rewara.- Visa Signature" MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95118-2325 Customer Service information: www banks fame neo corn 1.800421 2110 TTT. I 800 346.3178 Mail billing inquiries to: 0;ink of Alnencp V 0 Box 982234 Ci Vaso IX 79998 2234 Mail payment to. Bank of /(merira V 0 Box 15019 u/ilmmgton DE 19886-5019 September 27 October 26, 2017 Accounts ~~+ 5492 Account Summary Prewous Balance Payments and Other Credits Purchases and Adiustments Fees Charged Interest Charged $ 9,655 6' $ 150 ou $ 283 68 $o.oo $48.67 PayITIBITt InforI33atlon New Balance Total Current Payment Due Total Minimum Payment Due I'ayment Due Date $9,838 00 $ 94 OO $94 OO 1 I /23/2 01 / New Balance Total Total Credit Line Total Credit Available Cash Credit Line Portion of Credit Available for Cash Statement Closing Date Days in Bllbng Cycle $98i800 $ 25,000 (Xi $ 15 162 00 $ 1/, '0 00 $ 12,500 00 10/26/2017 30 Late Payment Warning: lf we do not receive your Total Minimum Payment by the date usted above, you may have to pay a late fee of up to $38.00 and your APRs may be increased up to the Penalty APR of 29.9996. Total Minimum Payment Warning: If you make only the Total Minimum Payment each penod, you (Vill pay more in intere t and it will take you longer to pay off your balance For example. If you make no additional You wiii'pgayoff the,: LAr(doer'ou.will ebd up charges using this card balance shown'on this 'phyle gn estimated and each month you pay tatement in about total of Only the Total Minimum Payment 23 year's $ 19,552 00 $330 00 36 months $ 11,000 00 (Sawngs = $ 7,6/2 00i If you would like information about credit counseling services, call 866 300 5230. 5492 BANK OF AIVIERICA P 0 BOX 15019 WILMINGTON Dt: 19886-5019 Account Number ~~~ 5492 Plow Gaiance total Total Mircmum Vavment Due Pa nlcnt Dire Oat. $ '1,838 00 $94 00 I'I//3/2017 MARK A MESTRESSA1 1455 LUNING DR SAN JOSt. CA 95116 232a I ntl.l ilaynrpnt lunounl Ncptl cc cp n I pg tl r h kp r bl r e h lnmcnc SL'i 2»'77 MARK )L MFStRFS«A I Accoisir ~~~ 3437 I Sppreml ~ i 27 r)rrnh i pb, 7U17 Pa*i ooo ooo. r IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTERFST Y! will »". Lli, gc ntr ice't or Puiclmses on itic next stiteir sr« if yuu p ylb N w Diiir«c Total m fug Liy the Piyment Due One, and yori h,id p,ircl ir lull by the p pvruus F'ay nant Due Date We wcli begin rhargingrrnocsc on Balarca T .Lnslers ind Casts Advances on tli transaction rNte TOTAL INTEREST CHARGE COMPUTATION . Inlpirst Cliarges acctue arid sic compaunclr rl nn,i rliily hnsis Tn deteimin tlip Interest t'barges we m»triply each Bal,.r«c SuLilect to Intciest Rotc by its ippl cable Daily Periocfic Ratr anil thar e.ult . 1»ultipl ed by thc isnber of diy in the brbrng cyclo* To determine the tot,l Interest Charge for tire bibing cycle, we add ttie Periodic Rate Interest Charges logedier A Daily Periodic Rale is ralculated by dwidmg ar1 Aririrratl Perierit,lge Roti'ly 363 HOW WE ALLOCATE YOUR PAYMENTS . Aiymrnrs sre allocated ro posted balances If youi ir rount lies balinces wit!i different APRs, we will igocite thr,imount of yo»r payment equal to thc Total Minimum Payment Due ta the lowest IIPR balances first (ir«lading transartions mode aftei tlus statementl Piyment amounts 1ri excess of your Toral Mrnnnuin Payment Due wrp bp applied to balances vnth iiighei APRs before balances with lower APRs IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE Wlien usmg tire upi ional Pay by Phone service, you autho ize us tn initiate in electronic paymenr. I om your ar.count ar. the fininr ial rnstitution you dr signarp Vau riiust autliorize the aniouni irirl trrnriig ~ f path paiyrriprit Fnr ynirr piotection, we wit 1 k for ecuiiry infniriiition 4 Np miy inplyfor expedited service I o cancel, c ill us lip!or» thr sr hpdulr 4 pnyment clots Same day paynierit'arinot be citied or rara ptprl YOUR CREDIT LINES Thr Tn al Crerlit Lme is Uie a»iounr. oF ued t avwlable for tho accour» Irowpver, only,i pot uan of ttr n rs available For Bank Cash Adi incan I b.- L.is i! i iiit. Uiia is th, L,i iv uin yori lieve available for Bank C ish/iclvanr.-. Ge»,illy haik C sli Advanre cormist of AIM Casli Advances, Ovei tire Counter (Ol C) Cash Advances. Same Day Online Cash Advances, Overdraft Pioiection Cash Advances, Cash Equivalents, and applicable tr insertion fees MISCELLANEOUS Olotioiio a R itp Fnd Dote This date is hosed on 1 futuie stateme; r.los np 3 te if y u rticngc yorir piyn erx. due:lire, ibis rJ»tr- could change i lie New Bilanr p Torsi wli cli sppr art nn rliis stmement is not a payoff'amour I and may Ii sriblect ro » lditirirmi inr. r sr cliirgrswh. n you pay in full after your tacenient r losing ciitp Plr isp nir tact rhe n sromet service riumbo lo ot. 4 1 I 'e I a»t ' is sta:emr nt lor a pay off amnunt \/irti111 drgital w I t CALC.ULATION OF BALANCES SUBJECT TO INTERLS I RATF Aveiago Daily Balance Method!mcluding new Pate!Uses! We c,ilculate sepaiate Balance Subiert to an inteiest Rare foi Pu cd isa and for e, cli Imioductoiy or Piomotional Offer balance consistirip of Putclwses We do Ii s by. (I) calr.ulatmg a dmly be!inca loi each day m the billing cycle f2) adding oil the daily I-alances togethr i, and (3) dividrng Die scni of tlie daily balances hy the number of days m the bibing cycle. I o calculate tire daily balance for e icii day in this statcmentq liillmg r; r ie, wc (I) take ttv'eprrining balance; f2) arM an amount equal to tlir apphcatil Daily Periodic Rate multiplied by the previous day's daily balanr e (31 add riew Purrhases, new Account I ees, and new I iansaction Fees. and!4) sirbtract appgcible piyrnetits and medits If any daily balance rs less thon zero we iieet it as zero. Average Baler«e Met!iud (includmg new Balance Transfers and new Casli Advances); We calculate separair Balances Sirblc.o to in interesl Rate fo Balance Transfers Cash Advances, and foi ach Introductory or Promorronal Off'er balance consisting of Balance Transfers or Lash Advances We do ttiis by (I ) calculating a daily bslanre for each day in this stotemenr.'s bill ng cyclr- Hi calculatirig a daily balance for each day piior to ties statement's bill ng cyc.le that had a Pre-Cyclr balarica' Pre Cycle balance is a Balance I ransfer or,i Casli Advonce with a transaction d.ite pnor to this statemenr.'s bilhrig ryr Ir bu; with a posting date within this statement's biginp cycle; (3) adciing all the daily balances together, and f4) drvrdrng the sum of the daily balances hy th n»»1I of days in this statemerit's biding cycle To r*lrulate the dally bal inr e far caen day tn t iris statement's biiling i ycle wr (I) take the begmnmg bat inr.e. (2) add an amounr. equal to rhe a!iplrcable D,sly Periodir Rate rriultipbed by the prevrous day's drily balance, (i) add n w Balaricc liansf rs, iievi Cash Advances and friisartinn Fcp«.irid ((I sulrtr iii applicobl poymenci .ind U dlts If any daily balinc is less tlian z iovro tic.« it as zero To calculate a daily balanre For each day prior to this statement's billing eyrie that had a Pre-Cycle be)once: (I) we take the br ginnmg balanc attnbuiable solely to Pre Cyc.le balance (whirh will be zeio on tli trai section date o! thr: f»st Pie Cycle b ilaricei i2) aad an amaunt r qual to:hr appl caa r. Daily Periodic Rate multrplred by the pr vious diyN cliily balance f3) annd add wily the applicable Pie Cycle balances and theii r lstrd Transactior F es W. exclude from this calculation ah trinsictions pnsted iri prr.irou t»llinr„cycles Fn the rnmplete term mid c ndrt ons»f yc,n .riess«cp"-.u, yc Corri Agreement Ibis account rs issued inn nririi:,stc: cd by IA (,11 r,e r»s FIA Card Servires is 1 reBste en rraclpnio k ol I A I a o a=weve ,iffiliates PAYMENTS vc r,s 1 „ ipd pmn. I' Pf ti'ort'owel f rh p.ilip11 i monttib t tens t C ooo ih" crocko» n nUS odla one LIs fno cai ttutono i US d li nion y de.a dii e t the etu e elopewtho lyttip emrt pot.o ofyo r.rema tscco p, 7 a I I'ayment ecevedbymalafte s pm local umeat the east'1 cecil esso .i ydpy cl clndihel'sync ta epot,b I th tothe Lie eel tioolo r* I « »* I ah « It I, Iih pxtdoy poy i 4 In byph. r»ab plt ds lthpd 1 I capt Im debyspm C I ai I c! t br a»1 oifc myi mrs maybe delay d pro ave d.y" Cash paylienr . de rh e reaers c. AIM to 1eller Ass st (41A) R only be accepted th o wl d payne 1 hprlooe 'c "o cic dc dao f cu n vthout tl. o« tt sop«vol Lue I', s "mi ooy iem etre«„;.1 o cpi 1 by swath nfc iuon lou dc y ., check aacco 11 th s y co sroathea.ym nto .inyamountye th k 1 a 1 stoppeyme t y lett 1 1 h . ti 1th b d ysb Iwerheo tomabc payme t s sch d led 1 If yo b Rind address or co t t mfo mat on h, I o k d. o f yoi dd ss is ct os rt app o tl I b R, please prov d all t s t e e Addiess I Addiess 7 ul I)'l . 'lri Hnr»o Plince AcaC ie 'orkPhone 278 liiARIC A ML TRLSSAT t Acroul r '~~ 5492 I SePiembel 2/ OltiLl 2(o /131/ 1 fctf35cTCtloflg 1'ansactloli 10/19 Pc\i l lp 13ot- 10/19 Desc, prion Payments and Other Credits PAYMFNI f HANK YOU TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD ReMience Nu'nL 45/2 /ul eliot bei 5492 /Vnount - I 50.00 1 o i el -$ 1 50.00 09l2/ 09/28 10/02 10/02 I Cil02 10/Di 10/04 10/136 1W07 10/10 10il2 10/12 09, 79 09/29 10i03 10/0 ' tl/03 10/01 10/05 1 0/09 10/0'3 10/I 3 10/13 10/13 Purctiases and lidjustments f OIIDMAXX4460 5/CN JO 5AN JOSE CA Wlvl 5UPERCENTER 45884 SAN JOSE CA PCH'CLASSMATES COM 206-301-5900 WA QLIIK SIOP S0034 QBO SAN JO5E CA WAI GREENS 4/'84 SAN JOSF CA wALGREFNs 47384 SAN/USE CA WAL-MART 45884 SAN JOSE CA LLNKY s757 SAN JOSE SAN JOSE L/1 LLICKY 4757 SAN JOSE SAN JOSF CA ilVALGREENS 42384 SANJOSF CA WM SUPERCCNTER s'884 SAN JOSF CA SOUTH SANJOSE GROG SANJOSE CA TOTAL PURCHASES AND ADJUSTMENTS FOR TI.05 PERIOD 7358 3573 8553 1284 0457 0374 3/03 5473 15SG 7308 8624 5492 54c32 '92 snu 497 5492 5492 5492 SYW2 5492 5492 8 /1 19 62 59 00 2F 00 5.52 I 20 61 08 19 92 8.18 27.30 32 96 1418 $283 68 10/2 6 10i2G I C/26 10/26 10/26 10/26 10 2G I 0/26 Interest Charged INTEREST CHARGED ON PURCtlASCS INTEREST CI-IARGCD ON BALANCE TRANSFERS INTEREST CHARGCD ON DIR DEPSCHK CASHADV INTEREST CHARGED ON BANK CASH ADVANCES TOTAL INTEREST CHARGED FOR THIS PERIOD 48 f 7 0 00 0 L'0 000 $48.67 Total fees charged in 2017 Tout interest charged in 2017 $000 $ 51470 Iftt HFOcgt Chltfge C;3ICttldtiofT Yno Anniral Percentage Rate (APR) is thE 1nnual ntei est,atl on ynu,ice l uni Type of Balance Annual Percentage Rate Promotional Transaction Type Promotional Offer ID Promotional Rate End Date Balance Subiect to Interest Rate Interest Charges by Transaction Type Purl.bases Balance Transfers Direct Deposit and Check Cast& Advances 12 7 looV l r 740, 17'394 V c 1 '.1/ '- C'03 ra; )0 48 6i 000 000 Bank Cash Advances 20 2446V 5 000 5 DOG APR Type Delimtinns Daily inre l st Rate Type V= Vaiioble Hate (i ote miy voiyi 279 MARK 4 MESTRFSSAT I Acr&var a ~~~ &48& I Scricml&-" 77 rlctao- 76 &C'I7 II BIPOrtailt MB55age5 congratulation" I Your Total credit Limit. has been inrrea ed to s25 00000 congratulational Your ca h credit I ine hai, been increa ed to 512 50000 55,20000 m dispute pendmg compliance witti resolution procedure 2 84 BASE EAIINED THIS MON114 2 17 BONUS THIS MONTH 24 70 TOTAL AVAILABLE VI5IT DANKOFAMERICA COM Tell us what you'e thinking Join rhe Bank of America'dvisory Panel You'l help us ledfll wl'lal ivf III (lnlffi'gl'll Riel whit&/ve cdf1 tio l3ctlet lo le irn,liiafe dnfl loin, enter code I ALL. Bt bankofamerica.corn/advisorypanel Inclusion o i the Adviso 7 Parti I suhfe// Io qual& fi/ aua is te.'201/8&ii 4:an iin f. 'I':i&oui svi.f ou I 'sia i I I aese&u/ti1 /-'kdditicynal Information Need to dispute a transactton/ For the fa te t di pute re elution please rontart the merchant If unsucce ful, simply file a di pute onitne www bankofamenca corn Select your credit card arcount., click the Info motion g Service:'ab and then select the "Di pute a trancio'ink under the 'Senices" section Page 4 of 4 280 BaakAaterioard ~ Oa.b Rawacacw Visa Signature" MARK A MESTRESSAT 1456 LUNING f?R SAN JOSE CA 95118 2325 Costoiner Service Information: www baakofampi ca corn I 800 4/I 2110 fly I 800 *463'8 Mail billing inquiries to. Bank 0 f / el pl I' I C Bcx 087234 Fi Paso TX 7qc)98.7734 Mail payment to Blok of Amiiiia P 0 Box 15019 Wit iiinBton 06 19886 '19 Octobp 27 . Novpmbpi 26. 2017 ikc cauaiv ~~~ 5492 Account Summary Prewous Balance Payments and Other Credits Purchases and Adiustments Fees Charged Interest Charged $9,838.00 $ 200.00 $345 49 $o.oo $ 52.09 Payment Information New Balance Total Current Payment Due Total Minimum Payment Due Payment Due Date $ 10,035 58 $99 00 $99 OO 12/23/2017 New Balance Total Total Credit Line Total Credit Available Cash Credit Lme Poruon of Credit Avmlable for Cash Statement Closing Date Days in Biilmg Cycle f 10,035 58 $ 2',000 00 $ 14,964 42 f,i?,5OB.OO $ 12,50000 11/26/2017 31 36 months $ 12,132 00 ibav)ngo = $ /.821 001 If you would like information about credit counseling services, call 866.300.5238. $337 00 Late Payment Warning: If we do not receive your Total Minimum Payment by the dcite listed above, you may have to pay a late fee of up to $38.00 and your ApRs may be mcreased up to the penalty ApR of 29.99qw Total Minimum Payment Warning: If you make only the Tomi Minimum Payment each pened, you will pay more in interest and ir will rake you longer to pay off your balance For example If'you mak'e no zdditiongl 'ou will paybff the And you will end up charge's.using this card balance shown on this paying an estimated and each month you pay statement in about total of Only the Total 24 years $ 1 9,953.00 Mmimum Payment 5092 BANK OF AMERICA P 0 BOX 15019 WILMING I ON DE 19886 5019 Account Nail)tel ~~~ 5492 New Balance Total Total Minimum Pavmpni Due P Ivnl()nl Dup Dplic 5 i fili) 58 fo. iN 'I?/?3,"'01 / MARK A MES1'RI.SSAT 1455 LUNING DR SAN JOSI CA 95118 2325 Fnipl p Irinc'fli vlioul'8 5 5L,'I 2ii ~ 281 tvlABKA VLSHII SSAI I Arcount . ~~~ 5tq2 I Derobe )/ N vombrr 26 2D17 oox ooo . ooo . c IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST V/e will not rhtigr- inteiest on Putchasex on the ttext clatter'ftertt If yott pay the Kiew Bnlatl\'e Tofal In full by ttte Paymettt l)ue Date, and ynii harl paid nt Full by the pirvious Paymenr Du D its lge will begin :haiging inter ear on Balance Transfers and Casli Advances on rhe uan(actrorl date TOTAL INTEREST CHARGE COMPUTATION Intei est Clmiges accrue anil 111'otttpottttcled ott a tinily basis 'I o deteimine ttte Inteie r. Cliarges we multrply etch Balance Subject to interest Rate by its applicobte Daily penodic hare encl tt at result is rnulripliedby the number of day in th billing cycle Io determine the total tntei est Charge fot the bikmg cycle we add the Penodic Bate Interest Charges together A Darly Pmiodic Rate is ralculated by dividing an Annual Percentage Rote by 365 HOW WE ALLOCATE YOUR PAYMENTS - Payirients are alloc..iterl I~ posted balances. If youi account has Instances with different APRs, we wilt akocote ttie amaunt of your payment equal to the I'otal Minimum Payment Due to ttte lowest /IPR balancr 5 First (including transactions made after this starement) Payment amounts in excess of your Total Mmimum Payment Due will he tpplir d to balances with highei APRs befoie balanr es wittt lowei APRs IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - Wttcn using t tie uplional Pay by Phone service, you authoiize us to initiate an electronic payment from your occount at the Finanuaf insututiort you desir nate. You must auttiorize the amount and tin xng of each payment For your pioterrion, we will ask for secu ity mfoiination. A fee may apply foi expedited servic lo cancel, rail us before the scheduled payment date 5arrte-day papttenis cannnt be edtted or canceled YOLIR CREDIT LINES - The Total Credit I ine is the amount of credrt nvailnbl» Fot ttie accoirnt, however, ority a portion oF that is availtblc Fnr Rank I ash Adwtncas fhe Fasts Ci adit Linc is tl at antnunt you lieve available Inr 0, nk C,tsh Adv,trices Geneiaky, Bartk Casli Advances cori 1st of ATM Cash Advances, Over ttte Counter (OTC) Cash Advartces, Same-Day Online Cash Advmtces, Ovordraft Protecuon Costi Advances, Cash Equivalents, arid applicable tiansaction fees MISCELLANEOUS Promotional B,ite Fnd Date Tl». elate ra based one I itu e 'ale» e it 'Iosntg I tta. If you r tiange your Qaymertt tlue riots, this dale could r longe the New Balance I otal which appears on ttiis statemerit is not a pay. ff ariiuunt and may be ubler t io odditiunal tntei est I(Urges when you pay in Full after your statement closing date Please c.ontact t.tte r.ustorttet seivice rnoer locat d an the front of rhrs statement fo a pay off amount V rtual '.I e n gital 'o,tt f ymir el p ble I lays cat c« tat r ard, sl ed vv tlx» .t I gita tu;lilt'r CALCULATION OF BALANCES SUB)ECT TO INTEREST RATI= Average Daily Balanre Me:had I ncludntg new Puictitsesi W ctlrul tte ep iiatr. Btl aces SubietI'to atn ir«ei st Bare foi Purchases and foi ear h Intr odwutry ni p rtrnnt on»I riff. r halt ~ r e consisting of pui chases We rlo tttts by (I) catculatrrtg a rlarly ttaltrir e foi each day in ttto biking cycle; f2) adding ak rhe daily btltrr .", rngethc: anrf (3', divirling flic sum of the d ily balances by ttte numhei nf ckiys in the bikmg cate. To *ttiulat trio daily b slane for e,tr ti d,ty in tttis statemertt's taiking cycle, we ', I) tak= tlio bepnnmg balanr e, (2( add ari amount equol to ttte applicable Dnily Periodic Rate mirltrplted by the previous day's da ly balance, (3) add new Purcttases, new Account I ees and new I ransaction Fees, and Iql subtract applrcatale p,tyrnents and credits If tny daily balance is less than zero we treat It tls zero Aveiage Balance Methnn (mclurtrng new Balartce Trartsfers,and new Cash Advances) We cxlcultte separate Balances Sublect to an Interest Rate for Balance Transfers Ct h Mvanr ex and for each Introductory or Promooonal Oft'er balance ronststing of Defence Trans(ors or Lash Advances We ria tints by tl j catcultting a daily htlance for cacti rtay tn this statentent's brging cycle (2) ralmilattng a daily balonr.e foi each d,ty piior lo tltt statement's brtlmg cycle tttat. had a Pi».Cycle balance at Pie Cycle balarice t. a Balance I an fer or a I'ash Advene vnth I transaction Wire prioi to tlas ratement.'s brlkng cycle but with a posting dale witt« n ttvs statement'5 br tlmg cycle; (3) adding alt rhe daily balances togeher. Qnd I tl dividing the sum of the daily balances by the nurnbr r of days tn tl«s sr.,tlemerit'1 bttlmg cycle To calculate trir. katy lxtl,inr.e For cacti day n tttis smterttent'1 bitkng rycle, we I I) take ttte beOi van faalar«e (21 )dd att ailtot tn equal tn ttte «pplicable Daily Periodir: Rate mirltiplred by the pr vious dty's darly balance; (3i add new Btlanc.. Fr»tiers rxvi Ca I Adv *aces ancl I ansar tron Feeg trad (1) sutttract rpplrctbl p iyntents arv! «-di: li ny cit ly htlanc is ir ss than zero w tiett II. Qs zero. To calculate a daily balance For each day pnor to this statement's billing cyde ttiat had a Pie Cycle balance (I) we take the beginning balance attnbutable solely to Pie Cycle ftalanc lwhicti w il be zero on thr trattsaction date of tire f»si Pi (yci bait tcei. z, add an tmoint enttl:o the oppkcable Da ly Peiiodic kate rtiutti plied I-y ttte p evinus day's daily balance; (3) and add only the apphroble Pie Cyclr balances and the«rr lated Tiansaction Fees We exr.lude From thi r.akular. »,Ik t anstrtions posted in previous biking cycles In hr cot« I I r. t ca, n-r„r if yon accour't cotstil youi I rerlit tatd Ag ec I'erst,liw.trrat.tl r s i cd«ac,ton rtr tered by IIA Laro Se vrrr s I IA La v. e r e; 5 . Iracrnvik a'IA Cc d 5 rvi es nd„r irs a f f i I I at e s PAYMENTS w«mdt. » I tpay c \ a ofttt date ece ed, I thepa/me I s rhb stare e t I padwrrhach ckd own U'oaa onaUS fnan al mt t to ra US dollar moneyo tier.a dl3 sent the etu en elooew the ly the est tta po t c of you st I me t accompa y g I Payments ece ed by mal afte pm loc II eat the emtta readdresso . /day clud g the Payment Due bate but tie w e set the abave eq emen" Il bee ed ted a of tie ext day Payne ts madeonl byah Ilb edteda of ltedateoF eceot fmadebySpm t al C dI I anyolhe p y nt yb«t lay d pi f uay'esttp ym nts ».de 'ho teae o ATM . th teae As«st tAiA) II, ly 5 . c pt d th, Id Dt N n/ t st alt ops ate tsa scrod. d I: I, rt, tho 1 th n o tt np 1 frets,t etx avtho ues s tc eats a c.t eel cu»:: dt I a tte«: r. cess c to Ir, the le I c fu dr to ates ral',s.t rl ~ »be 'otedsr the f o t cleek gacco twtti s youcan toptlepayme to, yamou tyovtltmkiswong to stop papnent,yo rlette must eachusatleastthreebusne-day before theautomatc ptyme t s ached led to ocr. Addiess I Addres~ 2 Lny C I al'p /x;t. ',;.::. Ai, Woik Phone 282 Ifyou bk Sadd o co t,ct nform ti h, h g d.o fy dd s M/1RK A MESTfl SSAT I Account l ~~~ ca, I Ortob r 27 Novi n.ei 76 2017 Transactions Tiaiisaclioii Dole 11/20 Posting Dvi 11/20 D c' c I I pi Payments and Other Credits PAYMENT THANK YOU TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD fl f icncc Nein(v 'i 4638 Aci.ount Nuribei 5492 Amounr -200 00 To i.d -$200.00 10/77 10/27 10/27 I 0/30 I 1,'02 I 1 i04 11/05 1 I /07 11/07 11/08 11/09 1 I/1 I 1 I/1 2 1 I/ I / 11/13 11/16 11/16 11i1 8 11/19 11/21 11/24 10/28 10/28 10/30 10/31 11/03 11/06 1 1/07 I 1 i09 11/09 11/10 11/10 11i13 11/13 11/13 11/14 lli17 1 1/I 7 11/20 11/21 11/22 11/25 Purchases and Adjustments WALGRCENS «2384 SANJOSt CA WALGREENS «2384 SAN JOSE CA SAFEWAY «997 SAN JOSE CA QUIK STOP «0034 QBO SAN JOSE CA WAL-MiAR I «5884 SAN JOSF CA SOIJTH SAN JOSF GRC( 'AIV JOSE CA SAFEWAY «'997 SAN JO5E LR DENNYS «68701I3007336 RFDWCiCiD CIIYCA QUIK STOP «0034 QBO SAN JOSF CA 35i15 Fl POI LO I OCO SIJNNYVALE LA 3515 FL POILU LOCO SLiNNYVALE CA WAL MART «5884 SAN JOcE CA QLIIK STOP «0034 QBO SAN JOSL CA WALGRELNS I/2384 (AN JUSI'A DOLLAR TIIEE SAN JOSE CA DOLLAR TRCC SAN JOSE CA SOLITH SAN JOSC GROC. SAN JOSI LA ORCHARD SUPPLY «691 SAN JO' LA PCCT'5 402302 SAN JiJSL LA WM SIJPLRCEN'IEII «5435 SAN J()SE I A PE I SMAfH ii 2242 SAN iiJSf CA TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD (7697 0515 9183 (1714 9949 3957 5485 6113 4995 7331 2493 9027 7674 0651 JR/6 5. 00 3762 4415 4533 6718 9025 5492 5492 5492 5492 5492 5492 5492 5492 5492 5492 5492 5492 5492 5492 5492 5492 5492 5492 5492 5492 5492 7 35 240 5 61 41.39 55 99 635 7.88 24. 74 1500 1513 2 06 29.15 25 00 3 00 12 45 4 18 906 14 18 10.40 17 50 41.67 $345.49 11/26 11/26 11/26 11/26 11/26 11/26 11/26 11/26 interest Charged INTCRCST CIIARGI.D ON PUkLHASES IN11 RLSI (HAR( I (1 &39 BALAN(L HIANSI LRS INTER(5" CHAR( LU C'N Dlk Uf. ". CHK ( ASH/1DV INTERFSI CIIAR(FD O'I BANK LASH ADVAN(.LS TOTAL INTEREST CHARGED FOR THIS PERIOD 5709 000 0.00 $ 52.09 Tote( fees choiged in 2017 Total interest charged in 7017 $0 OO $566 87 interest Charge Calculation You Annual Percentage Rate (APR) s lie nnr. ni i:e cc; rti c ' u ec«:ini Type of Balance Purchases Balance 1ransfers Direct Deposit and Cfieck Cash Advances Annual Percentage Rate 12 74« V 12 74 'vii ;, 99««V Promotional Transaction Type Promotional OFfer ID Promotional Rate End Date Balance Subject to Interest Rate 5 4,814 33 5 000 5 0 (iO Interest Charges by Transaction Type 5 6709 5 r, 00 5 000 Bank Cash Advances 2&'4 5 0UU 5 COO Rnfl Tyre Drfini rnc 0 ii; rt ii st 8 te Tyi e V- Va i I lent( I ci, m /v iii 283 MARt( rr MFSTRF557(T I R(ro ini '; ~~~ Sr(92 I nr robe 27 l'over'it sr 2u 201/ Important Messages 55,20000 in clispute pendrrsg compliance vnth rc olution procedure VGUF RBVVat d SLIBTrnarsff 3.44 BASE EARNED THIS MONTH 2290 BONUS THIS MONTH MONTH 31.04 TOTAL AVAILABLE MONTH MONTH VISIT BANKOFAMERICA.COM f,d(llr IGI'ial liif ol'ri'1at ion Need to dispute a tian" actionr For the fa te t di pute resolution, plea e contact the merchant If un uccessful, simply file a dispute online sv(vrv bsnkofimenia corn select. your rredit card account, click the "Information dr Services" tab and then ~lect tire 'Dispute s trsriacio'ink under the service:" section esse ( vr s 284 BaakAmerleard ~ Os.h Rcwsrgs- Visa Signature"'ARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95118-2325 Customer Service Information: www bankoiamc" ca rom i 801421 2110 Try I 80034G3178 Mail billing inquiries to: 8 Ilk c I Air pl res I'0 Fvx u822" 4 E'.rsc IX 79998 2234 Mail payment to: Bank of America P 0 Box I '010 W Imrngton Di 19886-501'I November 27 December 26, 2017 Ac conte ~~~ 5492 Prewous Balance Payments and Other Credit" Purchases and Adiustments Fees Charged Interest Charged $ 10,035 58 -$ i4851 $ 514.61 $0.00 $54.25 Payment Intofmotion New Balance Total Current Payment Due Total Minimum Payment Due Payment Due Date $ 10,455.85 $ 10G 00 $ inGnn 01?23r2018 New 8~lance Total Total Credit Line Total Credit Available Cash Credit Line Portion of Credit Available for Cash Statement Closing Date Days in Billing Cycle $ 10.455 85 $?,oon nn $ 14,544 15 $ 1?, 500.00 $ 1 2,500 00 I 2/2 6/201 7 30 Late Payment Warning: If we do not receive your Total Miramum Payment by the date usted above, you may Imve to pay a lar.e fee of up to $38.00 and your APRs may be increased up to the PenalIy APR of 29.999m Total Minimirm Payment Warning: If you make only the Toml Minimum Payment encl? penorl, you will pay mare in interest and it will take you longer to pay off yaur balance For example. If you make no gdditional You will payoff the 'And you will end iip" rharges using this card balance shown on this paying an estimated and each month you pay statement in about total of Only the Total 24 years $21,040.00 Minimum Payment $ 351 00 36 month $ 12,636 00 lSawng .-. $0,10100l If you would like information about credit counseling services, call 866.300.5238 5492 BANK OF AMERICA P 0 BOX 15019 WILMINGTON DE 19886 5019 MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95118 2325 Accorlrrt Nurrrbcr ~~~ 5492 New Balance 1oiai Total Mrrlrr1rrrfrr Payment Due Peymsni Dr re Drrre F nrc r pay mr nt sr noun! $ iO45 .85 $ iOGOO 0]/23/20111 Mail this coupon srcng with yccr h ck psych!pro Bank of Amcncc 5L,'I 2ii'85 MARIC A Mf GIRL' AT I Accouin '. ~ gg~;-")2 I Nwembr 77 I cceintei 26. 2017 xa . Oov oov o IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST - We or if not cliirge nrei st or lmrl,ii a n iic,iex: sta!ement if you pay the Ncw Balance l otal in full by tlm Psym nt Due l)ste. and you had paid m Full by tlie lneviou Paymrnt Due Da!c !Nc will begin cliarging interest on Balance Transfers and Lash Advanrcs oii '.Ii u.in,ac! o i dote TOTAL INTEREST CHARGE COMPUTATION I ~ tei - r Charges accrur vrtd are compounded on a daily basis To deterirr ne the Inter ear ( hsrgrs we multiply each Balance Suhlect to Interest Rv! . by its uppl cable Doily P ri» lic Rate arid tliat rcsulr. rs rriultlplied by the rr!rrirbcr of day'n thc bill»rb Cycle Tv detern!me rhe total Interest Charge For the bif ling eyrie, » e add rhe Periodic Rate Interest Charges togettrer, IL Daily Periodic Rate is calculated by dividing an Annual Perceritage Rate by 365 HOW WE l!LLOCATE YOUR PAYMENTS Pvyrnen!s are agar,stirl tn posted balarices. IF your acc'ourit has balances with drffeient APRs, w wril allocate the amaur t oF your payment equ,il to the Total M nin rim Payment. Due to the lowest APR balances First (lncludtng transactions made after this statement). Payment amounts rn excess of your Total Miniitxim Payrriem Due will be applied to balances witli higher APfis befoie halsnres willi lvwe APRs IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE When ~sing tire optional Pay by-Phone ervrre, you au!hoiize us to in !rate !n ele«ronlc payment fiorn ynur account at the i incr ci 5 msti rut on you I signatc You must authonze the amount. sncl liming of each payment I-or your piotectron, we will v k for secuiify informaticxi A fee may apply Fo xpedircd sr nate To c,incel, call us before the scheduled paym nt date Some.day payment cvn»ot be edited or chnrrlcd YOUR CREDIT LINES - The Tnt»l Credit Line is the amorart of credi! available for rhr account, however, only a poit nn nf that 1 available for l)ank L. ish Advancr s Th Co 5 CiediL I ine is tlat ar»nunt yo, hvvr- vv.,lvb e fc Bank Cash Advanr s Geriervlly Gunk Cash Advance consist ol AIM Cash Advances, Over the Countei (01 C) Cash Advances, Sar» Dvy Onl»ie Cash Advances, Overdraft Protection Cash Advances, Cash Equivalents. and applicable transaction Fees MISCELLANEOUS Promot on!I Rate Fnd D,i . Tl rs 41te ra has I ',1 futuie toleme»L r losing date Ifyau rhang yi p»». ', du ca It . rlvrc could change The New Balance To!11 which appears ur !his ststr m m is not a paynff arnoirnt. and niay be cubic«rn addi! v starer st elis „ ivh i yoi pry in full after yuui s!atement closrng csste P!e is" con!acr ttie custo nr r serve numb r loco!ed on the fronr. of I iis sta:amen'. fu v psf vff or,r«v, v r!»11 rods are rhe tlig!vi I 1 n rif you 1 I g I 'c "hr',, I . di Otal wager CALCULATION OF BALANCES SUB)FCI 'IO INTEREST RATE Average Dahy Balance Methr d fine luding new Puii tivses) We calculate sepaivsre Balan«s Sutiiect to an lrneiest Rv!c foi Pu cnases and foi crcli Intioductoiy or Piomotlanvl Dffr t nalance cons st ng of I'uirhsses We do tli by (I) rslculatlng a dvify balance for each day m the billing cycle; (2) addmg 111 the dsrly balances rogethei and (3) dividing the sum of the dagy balance by tire nurriber of rlvys m rhe billing cycle. Tn:alculvte !lie daily balance for cvr.h day in this statement'igirig cycle, wc (11 !1k'!Iie begrnnmg balance f2) vdd an amount equol to liie vpplrcable Daily Periodic Rate rnrrltlphed by the previaus day's daily balance (3) add new Purchases, new Account Fees, and new Transaction Fees, and (4) subtract applrcvble payments and credits If any daily balance is less than tern we treat. R .Is zero Average Balance Method (including new Balance Transfers and new Cash Advances) We calculate sepatatr 1)alances 5»Gleet to an inteiest Rare foi Balance Transfers, Cash Advances, and for each inrroductoiy or Ptomotional Offei balanre consisting of Balance Tiansfers or t.ash Advances We do t tits by f 11 cvlrufvtmg a daily balance fnr each day m this abatement's bigrng cycle; (21 calculating a daily balance for each day p«or to this statement's brlbng cycle rhar had a "Pre-Cycle balance a Pre-Cycle balance is a Balance TransFer or v L'vali Advance with v transsrtron date pnar to this statementb brlhng cycle but. wiLh a pvsdng date within thrs statement's billing Cycle, (3) adding all the daily balance trrgether snrl (4) drvidmg the sum of the dagy Lralances by rhc n»nibcr oF days in this statemr ~ t's brlgng r.ycle To calcu!,ite the dsrly balance for each day in thl stater»ant's billing ryrle we '(I ) toke Lhe beginning bvl. nce, (2) add an amount equal to the applrr able Degy Periodic kate mul!IDI!cd by Lhe previous day's daily balance; (3) sdd new 6 !lane r: I tansfr is, nevr Ca* 5 Advances and Tr anat«linn I'es and (di subtract vpplicvbl payments encl r redits If any daily I alance ls less than zero w tiev', ir. vs zero To calculate *1 daily balance For each day prioi to this statement's bggng cycle Lliat. had a f't e Cycle balance. (I) we take the begnnlng balance attilbutable olely to Pre Cyr le balance (which will be rero on the transaction dare of the r Pr 'cle balsncei, 2) vdd an vn,aunt equal!u!he apphr'abl Daily Periodir. Rare multipbed by the pr viou * r)ay's daily balance; (3) and add only rhe applrcoble Pie I'ycle balances and thr ir related Transac»on Fees We exclude fronr ttris calcul !lion all tr !nese»ons posted m previous billing cycles tl crr'1, iF:: terrrls ir» cci'rlrtro11 1f your;ircnrir'1 rnrisrrlt yvrii Cre i! I;lid Af'e 1eiii I lit 1( Corri!! 1 is(rico 111cl ici iiiili vier ed by I IA I, d 5''roric 'll!:,srd . !vrc. r 1 regale eri tr .der Lark of I 'A Cord be vices cna)c, PAYMENTS-Vlcc carnal d pry r. '" a ol tnedvt* e c, C I!I p-;, mwithly totem t (7 p, rd ruth o !reck c. awn U 'olls cn a U 'strtutinoaUS dollsrmoneyode.a dU»t the er«envel pe tho lytic rem!I p ten or yo eroteme I scca p y g I payment: ece ed»I I fr. p I cal time at the en ttvnce add ess w . y d y ncl I F the Pawns I D e D i"bu' t the wse meet lhevbo e en n rs mlibeoed ted a. I the * in v P.» c 'ts adeonlneo byplo wgb dteda ofih dateof eceor I vd by'nm Cental C edit For ny rhe paymenr mey be delayecl p I f:e days i.osh imvm nrs nxrdewtho rtell:so ATM vti TellerAssst!IIIAlwll lyh accepted uthavald d ! f cauo !ID, lvo payment tivll or, te.. acco do d, bsfa«.. ncur them - „rre ceo o, o r sr*prheelecuo cfu d tra sfes, II at!hen mbe I tedonth I* r If you hove authonzed us to pay your credit card bill a tomaucally from your savrngs or checkingaccountwithus,youcanstopthepayme tonany!r ountyouthnk s ong To i ppayment,your letierm st h satleasrtheeb sne" days» f ih, tomst p.yme !reach doled toocc. If you b ling odd o ront t form t hns clranged. or if yo dd ss rs t tapp tl bg,pl»es po de R o tl nsh r Adr'ice I Aadr "s 2 5 Are* Code gr Worl, Phone 286 MAi(K A Mf(TRF(CRT I (i cou i -'~~ 5(J2 I Novembei 7/ Di«ei ~bei 26 2CI/ T F(0 n 5 i3 e$ I 011$ I i oils(el 0 i Dc e 12/09 12//'I P is( i it(l I,.lc I I C9 1/l21 Refeienc NuiiiL iGe*„ f.', Payments and Ottrer Credits RITE AID STORE 5972 LOS GA (OS CA 8201 PRYMENT - TtiRNK YOU 4G61 TOTAL PAYMENT5 AND OTHER CREDITS FOR THIS PERIOD Accolru Ku-oe 5492 (492 - li3 59 - IL'5 GG . to.l -$ 148.59 11/26 11/2/ I 1i30 12/Gl 17(01 17/05 17/03 12/03 12/03 12/10 12/12 12/13 I 2/I 4 I 2/I 8 11/2/ 11 28 12/02 17702 17/02 12iol 1/i09 I 2/09 12/09 12/11 12/14 12/14 12/15 12i19 Purchases and Adjustments WM SUPE REGNI FR 45884 (/(N JGSF CA WAL MART r 588'I 5/IN JOSE CA FOODMRXX(460(ANJG SAN JOSF CA G(U'K STOP 40040 080 SANJOSE CA SOUTH SAN JOSE GROC SAN JOSE CA I ARRY 5 HALLMARK (HOP SAN JGSE CA RITE AiD STOkE 5972 LOS CATOS CA HITE AIG STORE 59/2 LGS GAIOS CA RITE lt(D Sl ORC 5972 LOS GATOS CA WAL MAIII rbf384 SAN J(/SE CA LUCKY 4757 SAN JiJSE SAN JOSE CA 052//2CA02/ SECS CANDY SAN JO(E CA WALGREENJ 42384 SAN JOSF CA SOUIH(ANJOSE GROC SANJOSE CA TOTAL PURCHASES AND ADJUSTMENTS 8434 5587 1910 2551 1697 5940 8024 8040 BGG5 7440 6059 3482 7802 8667 FOR THIS PERIOD 5492 5497 5/(92 (:*'12 5492 5492 5492 5492 5492 (492 5492 5492 5492 5492 68 66 21 72 16 26 30 GG 20 JG ib 00 5607 21 79 43 59 i613 90 00 5(J 7ii 11 18 23 (31 $ 514.61 12/26 12/26 i 2(76 I 2//6 12/26 I 2//( I /F/(, 12/26 Interest Charged INTERESI CHARCED ON PURCHR(ES Hi(ERE(; LHARCED ON BRLANCF TfiRNSFFR( 'N'FBI-(I CHARGI-D GN GIR GFPBCHK CRSHAGV INTEREST CHARGED ON BANK ( ASH ADVANCFS TOTAL INTEREST CHARGED FOR THIS PERIOD 54 25 u 000 000 $ 54.25 Total fees charged in 2017 $000 Total intere t ctmrged in 2017 $621 32 Interest t. hnFLoe C.,jl(.LII;Jttan Y(i i Ailriual per«enta e Rate (APRJ . tl a,i I i '.c csl alto on('oui accouli Type of Balance Annual Percentage Rate Promotional Tnarlssction Type Promotional Offer ID P ro m o t i o n a I Rate End Date Balance Sutijeit to Interest Rate Interest Charges by lransaction Type Purctlases Balance Transfers Direct Deposrt and Ctreck Cast& Advances 12 74$ V 12 74ouV 17 9CJ, V 5 J(8' u 00 5 L'i 00 (C 5 000 5 0 00 Bank Cash Advances 2G 249 '7 Gab ( (i 00 liPR Type Di Iritioi, [illy nt" est P. ic Type V- Vaiiable Rale iiate mayva yt Page 3 of 4 287 Neck A Mts'ltksnl I Art auric r +~+ 5d02 I lv e ' I " 2/ Di rc'iiiber il i ii? Important Messages 55 200 00 in dispute pending compliance with resoluuon procedure Pour Reward Summary 4.72 BASE EARNED THIS MONTH 3.77 BONUS THIS MONTH MONTH 39.53 TOTAL AVAILABLE MONTH MONTH VISIT BANKOFAMERICA.COM RIII «'-I,'I I I Ri ai -'T iTIIT ITI 'I,' I,R %+I I ~ iil I I I I ilT|l lf: ~ 'l I Tl (% II'T: )TRAIi". ii IO Irk r'rr/IIIIIiN: TO 'lRI Q:, i:.VI„Til ilb1IIII «wt,l«pjJJ f." |T'Ii «ii Q?IIIAlfttlll«r I ( RED S H Q P 'TT' H 0 N SHDP FOR (RED) PRDDUCTS AT AMAZON.COM/RED Il r. ri,:i D ienb r 51 iti??, 'o: ai ry doll ~ sar iii. dvirit iiio IIIEDI 'hri,"I o i ai ~ .; e n it ": fr i,i eil'oar r,ttr I ili" 05 , is«» »" r. r: rl Iiv il.v elite i »sin emva t'. I II I /rnrkf I ( /ttifjitional Intomlation Need to di pute a tran action? For the fastest dispute re elution plea e contao tlie merchant If uri ucce sful, simply file a dispute online wirnvl&ankofamenca corn select your credit card acrount, click the "inforrnatiori S '. ervice tah and tlien select tlie 'Dispute atrasactn'ik under the "serwce "section f ind tlie nght career after college see hovv young adult aie making tndes totrard tlieir dread?lobe in our neiv online video acne. Watch it today at BetterMoneyHabit corn/Careers 288 BalrkAmerioard cash Rewcralo Visa Signature" MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95118-2325 Customer Service Information www ifchkoMInellf c cocI I 800 421 2110 TTY I BCI0 3 16 31 78 Mall bif ling inquiries to 8 x Ill o Alffellc I I'0 Box 982234 Ei paso 'I X 79998 2/34 Mail payment to. Bank of Amellla 0 0 Bcx 15019 W Icl hglcn DE 19886 5019 December 2/ January /6, 2018 Accouhlll ~~~ 5492 Previous Balance Payments and Other Credit. Purchases and Adlustments Fees Charged Interest Charged $ 10,465 85 -$ 106 fir, $ 724 60 $o oo $ 60.54 PDf/ITIBE)t: Iffff)rfTJDtiOEJ New Balance Total Current Payment Due Total Minimum Payment Due Payment Due Date $ 11,134 93 $ 171 00 $ 171 Elo 02/23/2018 New Balance Total Total Credit Line Total Credit Available Cash Credit Line Poruon of Credit Available for Cash Statement Closmg Date Days in Billing Cycle $ 11,134 99 $ 25,000 00 $ i386 ni $ 12.! IX) llu $ 12,50000 0 1 f26/2018 '11 Late Payment Warning: If we do not recewe your Total Minimum Payment by the date listed above, you may have to pay a late fee of up to $38 00 and your ApRs may be increased up to the penalty Apk of 29.99qc. Total Minimum Payment Warning: If you make only the Tot)l Minimum Payment each pened, you will pay more in interest and it will take you longer to pay off your balance. For example If you make noradditibnal ', You'w'ill p'ayoff the -A'nd you will end up charges using this card balancg 'shown on thfs paying an 'estimated and each month you pay statement in about total of Only the Total Minimum Payment 25 years $22,384 00 $375 00 36 month If you would like information about credit 866.300 5238. $ 13,50000 (Saw ngs = $6 80-1 QOI counseling services, call 5092 BANK OF AMERICA P 0 BOX 15019 WILMINGTON DE 19886 . 019 Accoul'll Nun)tier ' ~~ 5492 Neh 13alanco I ofai lotal Mlnlmum Pavmeni Due Pxyhv nt Due Date $ 11 1349 $ 171 00 02/23I2018 MARK A MESTRESSAT 1455 LLINING DR SAN JOSE CA 95118 2325 Lnull uavnu'nl ahlouni $ Mail this coupon along w lh your check psychic lc Bank of Amcncc 5 I, ti ifff ~ 289 Vhqk 6 M','lr SSAI ) Arcount -'~~ «»32 ,'D «rt pi '.&? )«i uniT?6 2D)8 nr x . Po& . &nn c IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST Wp w il r rria gr. »emst nc f! r«hoses r Lhe iexi. shm mr r t if yn» pay rhe New F&l&ncp lot&l in fu I L&y the P yment Due Date, arm yo. linc. p ail r full by tlap I ieviuus p, y nenr Due Date We wig beyn I '1&&Orig i&it«&crt ofi Bailor&« Tr, ri.f I( arri&I Caisli A lvancps on th tmnsaction dmc TOTAL INTEREST CHARGE! OMPU I'ATION Iraeirst CI wge,i«rue an&I aie &ompounded un a dmly ba is I o detetmine the Interest Charges we mulril ly c h B&mnc Sublect to liirere t Rulc by its applicaL&le Daily Penorlic I "te &nd Lhat r.".iilr. ". multiplied by the rwrnl'er of days n th bill rig cyrl . To detpiminp th. Iot&l internet Charge fnr the brlkng cycle, we add the Periodic Rate Iritc i«st cliaigc s togetlier A D&ily ppiindrc Rate Is ral cute&ed by dividing an Arir»ia!Pe«ntage Rate by 366 HOW WE ALLOCA1E YOUR PAYMENTS Piyinpnts,iie agoc&te&I to pr&ared bal inca« If your dccoun! h&s bdl inca& wi!h differen! APRs we will abocatc the amnur t of youi payment equal to the I'otal Minrm!rm Payment Due to the lo&vest AI'R t alances hrst (rncludmg transactions made alter this stateme»t) Payment amour»s in excess of your I'otal M&n!!»ran Payment Due will bc. &ipolrpd tri t&al&n& r s with high«i APR! before balanres witt! low r APBs IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When usmg thc opt ronal Pdy by Phorw am vice, you,iulho ize us to mrtiate an eleclr*nic rmyme ir f oin your rc,,uit at the hndr ri rl in titution you designota You m&rst au!horize the mtiount. dnd timing c f each payment. For your p a! «!&or& vie wiii Isk for 'c&i Ity i&&fain!a!&ori A fLp I'i!ay Ipply foi xpeclited serv ce To c,x cel, c.ia u before!he scheduled pdymen! ilute 6,~ ne ddy iia)'Ii &'fir.' i&if&fit L&c* Pdi! d oi ran&cled YOUR CREDIT LINES - Thc- Total Cieoir. Line is the amount of ctedit &v&il&hlr lo the or rniint, hnwpvr i, nnly & poition &f tliat is avail&ble foi Bank L,& t Advances '&in!ash! r m I in&. is tlm! &mount you havr,&v&i&able for D&r!1., mh /!dc inc, s Cm ~pra,ly, !tank Cnsh I!dvanres r orms: of /ITM C&sir Advances, f?vei the Counter fOTC) Cash Advanres, Same.Day Online Cash Advene s Overclraft Protectron Cash Advances, Cash Equivalents, and aipplir'ship rr inset'linn fees MISCELLANEOUS orornohondl pate E»d D its This date is ba d one f iui st.,r r,- I &I *.r«d.t * If yo. ilmnbe yuu payment due dat, It»*. d&rr. «auld cri »ge Hie i'Ievr Balan& a o!!I whicli dpoeais on this statem nr is not a pa?oft, n. »nr,mil r i.iy b. ulilec! to ddd tiun. I mt i est «tiaig s wtmn you pay rn ',ug .&fte yuur sr&tents ir clusrng dme Pled e cui'tact tlie cc'stomer service ~ . nbe I t '. d &n Lhe fron! of!Ii., I»tern nL foi d p y off itrourit. Virtual ,I « '.;"': 'c cf;",i «Ir:LI I."v&t,l.r di' &la stu edhi!am.i Cil. CALCULATION OF BALANCES SUB)ECT 10 INTFBFST RATF Aveiapa Daily B,tlance Method!in iuding new Puichascsi We c& w,mie sapor ite Balanr es Subleit to &n intciest Rate foi I'» rli&scs&i I to nih Intiodurtoiyor Promouona&O(fr r nalinr«&nns st ngnl I'u r".& cs W do rl»s by (I) calculating a darly balanc I' p&ch d&y m thp bibing cycle, O) ac&ding &B the da ly balances togelhei, nd (31 divrd ng tlic sum of thc Ia ly I&,ila ir. s by tlie riumber of days m thr I» Birig ryrk I o calculate tlie d&ily bal&rire for, ch day n Llas ! i'ament's b»li"6 ryr ie, we (I) take the beginning balance, (2) add an arnaun! equal Lu &he dpplrr »hie Darly Periodic Rate mrrltiplred by the pre»&au rUy's ddrly balanre f3) add new Purchases, new Account Feeg and new Transa«tron I.ees and!'I) subtiacL applicabl payments mid U edits If any daily balance ls less rh&n zero wp &&poll. it a zer&. Aver,ige Bdldnre Method (rnclud ng new Balarrcr I r&nsfpis,&no r ew! ash Advances) We calculate sepaiate Balan&ex Sub)act to &n intr iest R&te for f3dlance transfers, Cash Advances and foi each intioductoiy oi Promorional Offei balance consisting of B&larirr Tiansfers or Cash Advances We do this t y (I) calculating a daily balance Ioi path day in tliis smtement': tiil'g «yr le, (2) calculating a daily balance for each d&y p»or to !his st.itenicnr '. biging r:yr le ttiat hade "Pre Cyrte b&l&n e"- & Pre Cycl bal&nre is a Balanre Tian'fer or I casli Advent witt! a transact&or! date prroi to !his srdtei» ritb bill ig cycle bur with a postmg date wrthm this statemen!'s billing cycle. (3) adriirig dg the deity b&lanres togethoi. and (4) dividing the sum of tiie d, ily hali«cps hy the num!-e oF days in this statement.'s bigmg cycle fo rale&I&te tlie d&ily balance foi r,«li d,iy n tliis statemer»3 hill ng «ycle, wp (I ) take tlie beginning bol&nce, i2),irlrl .in .&niount equal to rhe appli«a!&le Daiiy Pet indi«pate rtarlti pl&eel by tt!e pi evious day's daily balanr e (3! add n. w Balance I'n I ig new C I Ii Arivir res,ind I ar s&«lan I cps and f!, subrr&c! &pplicabl p.iyments, ~ id «r d,!s If iry cia ly odlinc s I "s r ..n zero w- tre&t it. as zero. To calculate a daily balance for each day prior to this statemenr's billing eyrie tliat had a Pre Cycle balance (I) w take the beglnrxng balanr: attributable solely to Prc Cycle balance fwhich wrp be zero ori !lie rrans&«r on J&te I the his& Pi" Cyil, 6 i dnr e). !2) ou .,n .»i ouni, qu&i:o tne cp«; c,ip fio iy Periodic Bate rnulnplred by the p vrou dayb 4& ly balance, i3),&rid,iilrl:nly Lhe apulir able Pie.Cycle balances anc the el ted I & isccl oin Fp". W. exclude Goin!los r.»leal&tinn aa t;ansairions po!Lerl ir p r-vro, 6 B r g.yiips !,nd Agieeinen; II sacrout t is «ue lane i..m-:- r n i1!, . '„- I IA! d d Seiv ces is, PD Lore«; &a n ik I I 6! afhhates PAYMENTS. &Ye c ed', w led payme tie of *.'ed&!e ece d &!hepaymrnr v, 4 ui Ie«k .'. n n!&'igid son all'nanr.al e wr&& te p '. of yo &rare e I &ceo«pa 1 F I Pay&»« i d by I oft pm local r i ear t i ant!ance srd ess o o y doy ncl dmg the Payment Due Date but I =!cthe &e ac!the «bo e eqw erne rs „ I be c 4 tea a&of the xi day payments massa I eo, bypho ewipbecredteda oftledoteof e pt. f d byapm Ce» I C e I t fo any othe payments may be delayed up to lived&?& Cash poymenrs !err * AIM . !I tells I!is st i/&IAI Ir only be acr epred with a val d f ; ra allo,» icos i 'os r f&cion vrh urtliep»o« tte appovil nf' to»ca the elec! on c f d" tra sfe s, caa s ot the mbe i ted o the f o t If you have authonzed us to pay your credit card bill au!amati«agy from your savings or checking account with us you can stop the ix&ymca& on any amounr yau tmink is w ong To stop payment, you letter must each us at least three business days before the automat c pay e t I» ached led to oco If ym r 6 a g address or conte t f rm t I . s lmnged o f your arid ess I ncor ect es t app tli b a. pl . p«d .a o «I n h Address I Acdicss 2 !. ty Are, 'i:r&'r I d Area Code gr Woik Phone 290 MAip(il ML'ILSSAI [ Accomii. - ~~~ 549) I '; ten I ")7 J, rum) )6 If /jf"ISactfo(15 nits(l it i nil Posting Dolt D c Ipiioi fkt icnro Acioint Ki' c'lninunt 1 otri 0 i,' 3 0 I /23 Payments encl Other Credits PAYMFNT - THANK YOU TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD 4755 549) - 10600 - $ 106.00 01/01 01/03 GI/03 01/06 01/10 01/17 01/13 0 I/15 01!17 01/19 01/19 f)1/21 01/21 0 1/)) 01/24 Di/)1 01/2 '1/02 01/04 01 i04 01/08 Gi/11 01/15 01,'I 5 01/16 01 i18 01/22 (i I, 22 01/22 Gli23 01 '23 01/2'1 /)6 01/26 Purchases and Adjustments QUIK SIOP 40034 I'i80 SAN JOSt LA SUBWAY 00024DGG CAMPBELL CA WAL-MART i/5884 SAN JOSE CA FOODMAXX4460 SAN JO SAN JOSF CA WAI GREENS 42384 SANJOSF CA SAFEWAY 41293 CAIMPBELL CA LUCKY 4757 SAN JO5E AN JGSE CA WALGRECNS 42384 SAN JOSE LA QUIK STOP 40034 QBG SAN JOSE CA GLCK ZONIi SANTA ROSA CA UNION OPTOMLTRY SANJOSL CA QUIK S1OP 40040 QBG SAN JOSt CA IHt HOME. DEPOI 41009 SAiNJOSt. LA WALGREENS 4238 t SANJOSF (8 WM SUPFRCENTER S5884 5/IN JOSE C/I DENNY5 4741618007 36 CAMPI3F(I (A WM SUPFRCFNTFR «5435 SANJOSF. CA TOTAL PURCHASE5 AND ADJUSTMENTS FOR THIS PERIOD 4 1f-; '/307 4733 6656 2078 Gl 348 8618 :5582 1234 949i 6/9G 3879 867 1 8195 7184 8571 2.327 5492 5492 5492 54o2 5492 5492 5492 Si492 5497 5492 5497 5492 5492 5492 4'32 54'32 5492 30ii0 4 99 10 89 314 3.70 982 29 14 22 cJ4 1000 21 85 49500 20 00 25 66 I 25 2 62 i 685 16)'724.60 01/76 01/26 01/2 6 01/26 01/76 01/26 01/76 Interest Charged INTFRFST CHARGFD i)N PUBCHASi 5 INTFRFST CHABGFD ON BAI ANCF. TBANSFFBS INTEREST CHARGED ON DIR GEP&CHK CASHADV INTEREST CHARGED ON BANK CASH ADVANCFS TOTAL INTEREST CHARGED FOR THIS PERIOD (054 0 00 000 G.GD $ 60.54 Total fee charged in 2018 $000 Sf05,'ntopost Chafgcs Calculation Yis, Annual Percentage Rate (APRJ; the aniual inte camo(. vi pit,iitou t Type of B.ilam.e Anniral Percentage Rate Promotional Promotron, I Transaction Offer ID Type P r 0 f 11 o t I 0 ii a I Rate t:nd Date Balance 5ubject to Interest Bate interest Charges by Transaction Type Purcliases Balance Transfers Direct Deposit and Check Cash Advances Bank Cast( Advances 1299cf V 12 99rSV 1 o" 249,V 2049%V 5 187 75 5 0GG \ 000 5 0 00 60 54 0 G(' 00 0 00 AoB Type Definnion Gaily liiterest. B«e Type V= Va mble lute (iats iniy v ay, Page 3 of 4 291 VfiRK R iMEEiRE Sni I /recover. -'~~ EN!2 I I: finite 2! I.t uaty 2f. 2!l'8 7 26 BASE EARNED THIS MONTH L93 BONUS THIS MONTH 4CL72 TOTAL AVAILABLE VISIT BANKOFAMERICA.COM Additional lnfof mation Need to dispute a transactiorD For the fa te" t di pute resolution. please contart the merrhant If unsucce sfui, simply file a di" pute online www bankofamenca corn Select your ci edit card account, click the "information Ev Serwces" tab and then -elect the "Dispute a transaction" link under the 'he!vice.'ction Pg 4 f4 292 Baitkof America ~Me CASH REWARDS MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95118-2325 Customer Service Inforfnsfion wwvv b,fnkcf me ica cof'v I 800 421 2110 TI V 1 800.346.3178 Mail billing inquiries to: Lfofl'fk c I /v v lI c 'v 6'cv Gc)ysx I I I';,so rx 71rnfn 7714 Mail payment to: Sank of Amvnr y 0 Box 15G19 Wfimngiun fiL 19886 SGi9 ianucfy 77 - Fehruafy 26, 2018 Arrcunfc ~~~ 9382 Accobfnf SfdnTmoi y Previou Balance Payment- and Other Credits Purchase and Adlu tments Bank Cash Advances Fees Charged Interest C harged $ 11,13499 -$ 171 GG $ 569.66 $ 11,120 60 $444.80 $ 175 82 Payment: Inform Tfion New Bafance Total Current Payment Due Total Minimum Payment Due Payment Due Date $ 23,774 77 $4G600 $ liob IiC 01/)3//018 New Balance I otaf Totaf Credit Line Total Credit Available Cash Credit Line Portion of Credit Avmfabfe far Ca h Statement Cfosing Date Day- in Billing Cycle $ 73 77'I 2/ $ 75,00000 $ 1,/25 /3 $ 12 500.00 $ 1.3" 3 00 07/26/7018 31 And you will end up paying an estimated totaf of Late Payment Warning. If we do not receive your Total Minimum Payment by the date listed above, you may fiave to pay ay fate fee of up to $38.00 and your APRs may be increa ed up to the Penalty APR of 29.99qc. Total Minimum Payment Warning If you make only the Tomf Minimum Payment earh penod, you will pay more fn interest and it will take you longer to pay off your balance For example. -:If. you make.',na gdditionai You will payaff the chdr'geg using this curd balance shown on this and each month you pay statement in about Onfy the Toml Minimum Payment 32 year'3 $60,93 2 .OO $027 Oo 36 montfis $29,772 Oo ISva ings = $31.159001 If you would like information about credit counseling services, calf 866.300.5238. BANK OF AMERICA P 0 BOX 15019 Wll MINGTON OF 19886 5019 Account Nuiiibrn ~~~ 9382 IVew Balance 1 otal Ioial Mfriiinuifi Pavnfent Due Pavmc nt tiffs Date $ 23 2/4// $ 4or, or. 0:I/ 2 'I/ 20 I 8 MARI& A MF. TRF, SAT 1455 LiJNRIG DR SAN,OSF CA 95118-2326 Lf lief oavynicni aniovfffi 8 Mail this coupon sicng with your check psychic ic Bonk of Amsncs 'I 3B 28s 293 MARI& AM! Slt!FSLA I Acro inr . ~~~6:62 I J» i » y 27 F'. ui y 26, 2018 mli 000.000 0 IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTFREST Lye w&li iut r &mgp ixr.re»i on Lmrrlmse n tlie icxi erat ment if you pay tlie New Balance Tu!i!in fulf by rhe Payment iJue Date, ,» r! you lma paid m fait by !lie p pv ous Payment Due Date We vrrp!ie„n r hlrgrng mterest. on Bdance frlnsfcrs lnd Cash Adv nc s on tli t an»riel un Ll 1 t c TOTAL INTEREST CHARGE COMPUTATION Intoie»t Chiipes,icmur: . 6 re compnunclr cl on 0 rlaily basis Ta deteimine Llio Inteiest Ch,irges we it& iltiply each Balaricc SuL»&act to inlciest Rat by ts opplic lble D rly I'eiiudic Rare and Lhat r erik is rnulripl ed by ilia number of day. rn the bigirig i y«l Io determine the total inteiest Charge fm the bigmg cycle, we add rhe Periodic Rate Intei est Clia&ges together A Darly Periodic Rate ls calculared by dwiding ,&n Ariini.il Percentage Rate by 365 HOW WE ALLOCATE YOUR PAYMENTS - Payments nre allocatecl m posred balances. IF yoni account lws bslarlces with aifferent APRs, we will allocate rhc amount oF yoirr payment equal to the 'I otal Mnnrnrim Payment Due to the lowest AN balance first (includmg Lransacl.ions made aftei this statenwrb) Payment amounts &n excess of your Total Minimum pay&rent Due will he applied to balanr ex with Nghei APRs befo& e balances w&th lowei APR» IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE . When using the optional Pay hy-Phone service, you authorize us to initiate an electronic paymenr !iorr ynui acrount at the financial institulmn you dc". gn ac: rou must authorize rhr nmoi&nt and urning of each payrnerlt. For youi p otertiori, wp w&f1 .1»k for»ecui&ty &nfa&mltion A fee may apply fo& expedited servirr Tn cence f, call u. before the scheduled paymenl r!ale S.sne.d.iy pay&1&ento i annnt be erl&t rl or cailcelpd YOUR CREDIT LINES - !he 10!a!Credit Line is the amount of credit avmlable Foi the arcount; however, only 0 portion of tliat is avail»hie foi Bank L.i»li Advor ~.e» ilia L» I Credit L ne Is that arrount you have nvailahi& loi B,rnk Ca Ii Aciv,ln«es Cane&ally, Bank Cash Advances corgi»l. nf A bi Ca.r, Advances, Over the Counter fOTCI Lash Advances, Same Day Online Cash Advances, OverdraFt Piotecuon Cash Advances, Cash Equivalents, ancf applic 'ble t&.insaction Fees MISCELLANEOUS - 0 nmnrinnal R»te Fnd Date. This dat is bas d n, futui tcteinpnL llo»ir 6 ilnle I!you change yuur payment due J,t, 1'iis rLtr: could clilngr. The i'Jew Balance Tntal wh&rh appeais anth&s slaram nt is iot i ! ayuff amount onr! maybe»ub)ecr to additional inteiest chaiges wh i you&my n full,lftei yuirr»tatemerg clos&np date. Plea e cuntact the ca»ton&ei »eivire numbe lo, tpd nn thr. front of this tatement foi 0 pay r f'f wnoun! Virtual Lhe .: r ml 'r:. ii cf y . I&gible I I y ical cr Jrt La !0»tu e d v iu» . r'&g&tal »r»llc t CD 2DIR Bank:f Amc i 0 Co por tion CALCULATION OF BALANCES SUBJECT TO INTEREST RATE Avi i ige Da ly Bi&an&a Met! od iincli cling new I'urchases) We calcul»te »ella 0»rc bl'ai& o. Sub!crt to an lnteiest Rat foi Vuichlsr",and I'ot etch I ~ t oductn y rir irlmot ona!Dffei t&aloitce consisting oi Puichnses. We do this by (ll c,llrul,&tinge daily balanc foi each day in thr bibing cycle;!2) adding oil rhr !oily I;lances t Letoei, and f!I dividing the»um of the daily balances by thr'umhri oF days n tlie billirip cyr.le. Tr rllrulnt the d.&rly balanre for sac!i rlly m this stlterlient'ilkng rycle, we Il; t»ke the beginning bolance ii) add an amorint equal to rhe applicable Daily Periodic Rate inulti pl&ed by the pi ev&ous day's daily balance, (31 add new Purrhases. new Account Fees, and new Transacliori Fees; and fd) subtiact .ippkr..ibis payments and rredits If lny daily balance is less than zero we treat il - ZL" 0 Aver, ge B &lance Merhod liricluding new Balance 1 iarlsfers arid new Cash Advarlce») Wr calrulate separate f)alances Sub!ect to an interest Rate for Balance Translei, Casli Advances and for each irltroductory or Promotronal Offr i balance consisting of Balance I iansfers or I ash Advances We do thi" by fll c.llruL»ung 0 daily balance for each day &n th&s statement's bigmg cycle: i2) rllculating a cL»&ly balance foi each day piior to this statement's b&lbng cycle that had a "P e Cycle bal inca' Pre-f'yrl ho!ance is 1 Balarx.e TransFer or a Ca h Advarlte with 0 translr.t&on date prior to this stateinent's billing cycle but w&ttl 0 posur&g d,&te wrth&n rh&s statement 3 billing cyr.le, (3) adding ag the daily bala,ice tr&gethe&,.n d fdl d vrdmg thc sum o! the dwly balar ces by the nrimbp& of days in Lliis statement's billing cycle To r&IL ~ l,.t the dnily 6 Ianre For e,.ch day in ties stitement's bgllng ryrle, we. &I) take the beginning hll»nce.!2) add an ainounl equal to the applirable Daily Peiiadir Rate multiphr rl hy the pt vinus day's daily balance, ( ) add new B,i,ni l,insfei s '. vr I 1»ii Advene s ir&LI I i,&rsactio&1 I ces, and (1) subtract .&I!It,.LI p,yments an & 1 &m!&t If,my soily b&lance s iras than zero w. tielt it s zero I o calculate 0 daily ballnce For each day pnot to this statement's billing ryc!e Diat tiad a Pie Cycle blllnr c. (I) wc rake the beginning balance attiibutable solely to Pie Cycle baL»nr lwhich will be zero on the trlnssrtion date of the I is& I i 0 Ly I ba ance,'1'ad I r&n an aunt equa to rhe applicahlr Daily Peiiod L Rate rnultiplir d by the p& vious day's dl&ty balarice; (3) and add orlly the a plicabl P p.fyclr balances ar d the» isleted I ansaclmn Fpps We exclude from ttlis rnirullt on ah Lr,insaoion poster1in previous billing cycl s rn rl 0 conn I ti t i-, .: i, &rlr r n» nf you account, rnnsult your Crr d&L Ag .; 1 nl il & nrcoir'I &s &» I, ll ala anni rl»rpiedby 6 rlk of An lwa Bank nf /in eiica is a icb ste d riademl k of Bank of America Coiporation PAYMENTS v'pc eat mmied oaymcn. aso';ledate seemed f Lh PD "e r. s ievetiby ' u li eal tie ail&'".Pt o tie em&1*s 0 i. I z . ncnttily tai » e I Diana vtha checkn 1 n nUS doll: & on a 1!! \ttuto oroUS dona oneyo I,mdi!I I ih lu I ni tho lzth em&tan&en u fy o&&at » l «0 y 0 IPy ets eie edby,lalte o Ia, I t 0 01 rhe mr Lto ce adore» o 0 y doy nclud ng the Payment 0 e Da:e b 1 thai ih&'»p ppt the abo e en ament . I&bee ed ted moi the e I day I'ap'e ts ~ .dpol ea a»phone&»shee.edtd . fth dateof scent.fmaaeby5on Central C ed t fc any othe payme,it nwy be delayed up to f ve day Casl para m de thou tell. so AiM vthteae Assr»&!Illa) wile lybeacceoted th. Id 0 el hecto-: D Iv* aay e t sha.lane at e cw. d d sat I Lr o v the r d e p x rt«. n, o ro t o lh le t, I o t ae s, caa us at rhe numbe sated on the f ont If you have authonzed us to pay your credit card hilt automat&caby from your savings or check&no accou t w th u you c. n stop the payment on any amolrnt you think is wrong to stop payment, your letter must reach us at least th se business days before the automat c r y e t I» scheduled to occ r If yo b a na sddr o t. t form*t o h ch, nged. I y dd is At!i.!&es I Add e s 2 A , "e n&' '. Area Code tk Work Phone 294 VARK 8 MES'RESLAI I Arcou I r ~~~9382 I Junimiy 27 F.biuaiy 26 201t'f'ilfjSJJCJ:iol 15 T r nr i 1 so c I r 0 ri oot i/2/23 Pr strrlg Dr, 02 ?3 L etc Payments and Other Credits PAYMFNI - I'H/\Nk YI..U TOTAI PAVMFNTS AND OTHFR CRFDITS FOR THIS PERIOD Refmenie Nutnh i 0036 Accnunt Nriniher Snc?2 Norouni -171.00 -$ 171.00 01/? '1/27 01/27 01/27 01/28 02/06 02/06 02/06 02/19 02/19 i11,? 7 01/? 9 01/29 01/29 01/29 02/07 02/07 02/07 02/20 02//0 Purchases and Adjustments Jnt « I'I I I 1 ROX 0458 SRN JOSt CR WAI .MART r;588/t SAN/USE t A WALGREFN5 i 2384 SAN JOSE CA WM SUPERCENTER r5884 SAN JOSE CA QU'K STOP e0034 QBO 5AN JOSE CA TARGET 00013244 5AN JOSE CA QUIK STOP 40!334 QBD SAN JOSE CA WALGRLINS r2/84 SAN JOSC I A GODGLL 'Ialk,stone g cmhelppayrl.A l OOC LI- ' alkatone g co/tieippayaLA TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD 1310 1693 4366 8279 6?12 8932 1098 9157 3218 1537 5492 5492 5492 5492 5492 549? 5492 5492 9382 9382 8 28 23 GG I 25 10.79 ?tor 0 460.00 30.00 3.70 0 99 0 99 $ 569.66 02/01 02/Oc 02/21 02/?? 02/02 O?IOt 02//2 02/? 3 Bank Cash Advances LASH BANK OF AMERILA LADGLOS CA I OS CA I'ASH BANK Of RMFRlt /I I'AI I SAN JrUSI- CA I RSH BANK OF AMFRICA CROGCRMI'BELL CA cnsit BnNK DF RMF Men cnossl NT/ ct nRR i n TOTAL BANK CASFI ADVANCES FOR Tt-IIS PERIOD 0053 0091 0094 0071 5492 5492 9382 9382 Goo oo 520 00 5.000 00 5,000 00 6 I I, I 2 0.00 02/01 02/05 02/21 02/2? 0? ID 02/06 02/2? 0?/? 1 fees 8/WK . TRANSIV TION FI, BANK - TRANSACTION FFF RANK - TRANSACTION FFF. RANK - TRANS/\I'TION FEF TOTAL FECS FOR THIS PERIOD 0053 0091 0094 0071 5492 5492 9382 9382 24 00 20 80 200 00 200 00 6444.80 O?/?6 0?/?6 O?r?6 0?,? 6 0? 76 0?l? 6 0? 76 12,?C Interest Charged INTFRFcT CHARGED DN PURt HASFS INTFRFST CHRfiot D ON BRI ANCF TRANSFFRS IN, I R'c I tt/rftf I D ON DIR DFPSCH« I /WHRDV IN, rR, . l ./rcf f D 'DN FR«i« I RED At'V/Wt FS TOTAL INTERLST CHARGED FOR THIS PERIOD 127 78 000 noo s175 82 Total fee charged in 2018 Total interest charged in 2018 $444 BO $236 36 Page 3 of 6 295 MA iK A Mi'GSSA Ac un: ~~~ 6382 i joouaiy 77 . f lii iaiy 26, 2018 interest ChDrge CDIEL(iDbon Yuui Annual Percentage Rate (APRl is th imiu I interest iut on your account Type of Balance Annual Percentage R sic Promotional Transaction Ty pe Promotional Offer ID Promotional Rate End Date Balance Subject to Interest Rate Interest Charges by Transaction Type Purchases Balance Transfers Direct Deposit and Check Cash Advances Bank Cash Advances 12 SSSGV 176'3'7 V 18 24rfsV 2046sf V 11 62 11 5 000 5 000 5 127.78 ( 000 5 G.QQ 5 2760 63 5 48 04 APR 1 ype Gi f niuons Da ly Iniei est Rare Typi V= Vaiiable Rate (i aic inay vaiyi 48.72 REDEEMED 5.70 BASE EARNED THIS MONTH 1.55 BONUS THIS MONTH 7.25 TOTAL AVAILABLE VISIT BANKOFAMERtCA.COM What could you do with some extra cash? . 'ji'ISR ',ill flolii yi il if)vc'I iiciiui 'vlii I Sr', i, 7KR SRi GIVI I, II X aaaaaa %) Start today Visit bankofamerica.corn/bt or call 800.615.3277 Page 4 of 6 296 This page intentionally left blank Page 5 at G 297 hi o FRTBI? This page intentionally left blank P. Pe 6 of 6 298 hi o FRTECT Baltkof America ~~ CASH REWARDS MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95118-2325 Customer Service Information wwxx hankofalTu'I I ca canI 'i)0421 7110 TTV: 8003463178 Mail bilhng inquiries ta Bank of Ament,I Fi urIsoi X /9998 2234 Mail payment tu. Bank uf /Vne ira PO ikx I'19 WIim ngiou Dk 19886.5019 Fei)Iuuiy 27 March»76, 2018 Air cunt ' ~~ 9382 Previou" Balance Payments and Other Credits Purcha es and Adkustments Bank Cash Advances Fees Charged Interest Charged New Balance Total Total Credit Line Total Credit Available C.ash Credit Line Portion of Credit Available for Cash Statement Closing Date Days in l3iBIng Cyr le $ 23.274 27 - $ 23,000 Dii $51415 $ 1,000. 00 $67.00 $ 306.05 $ 2,161 47 $ 25,000 00 $ 22,838 $3 $ 12,500.00 $ 12,315 00 03/26/2018 28 Payment Information New Balance Toml Current Payment Due $ 2,161 47 $351 00 Total Minimum Payment Due Payment Due Date $ 35i Dn Bru23I2018 Late Payment Warning: If we do not receIVe your Total Minimum Payment by the date listed above, yau may have to pay a laic fee of up to $38.00 and your APRs may be increased up to the Penalty APR af 29.999m Total Minimum Payment Warning. If you make only the Total Minimum Payment each penod, you ivill pay more in interest and it will take you longer to pay off your balance For example :.If you maketno bdditi anal I'ou will payoff the And you will ehd up:. .: cha'rges using this card balance shown on this paying an estimated and each month you pay statement m about total of Only the Total $3,850 00 Muumum Payment If you wauld like information about credit counseling services, call 866 300 5238. 9382 BANK OF AMERICA P 0 13OX 15019 iNILMINGTON DE 19886-5019 Account Nuinber ~~~ 9382 flew Balance- I otal Total Miriiinurn I'avment Dux Paymeni Dui* Date $ 7 161 47 $351 00 04/23, 2018 MARK A MFSTRESSAT 1455 LLINIIIG DR SAN JOSE CA 95118 2325 Cnfol ix Ivnu:Ill uuouni Mail this coupon along wiul your check p y hie to: Bank of America 9 3B 2ii'99 I/ARK 6 M&'SIRFS 4 Acc&urt & gg~~qdl'7 I Feb& mry 27 Mrrch 26, 2!Il'*, no« . ooo - ooo IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST We will not rlwige mter sr o P&oclmsr" anth, irxt statem nt if y &u pvy the 6'ew Balance Total i ~ F ~ II by tlie fkiyiner t Due f!om eric& you had pwd in full by rhe pievious Paymc t. Due Da&e We v& I&bah r rhai&t&g in&eiest on Balance 1iansfeis and Cash Advances on tl» a&sa«uor& date TOTAL INTEREST CHARGE COMPUTATION Intetest Chstr"e &cetus.mil ate compr&welcd on a daily basi To dereimine tli Intr test Clu&itr". we multiply each Balance Sublea to interest R»: by its applir,&hie Dewily uenuclic Rate ar&d tlia& r«cult is mulbplied by rhe numbei of days in Uie bill »g cycl I u detem&lne the total interest Charge For tt&e bill&ng cycle, we add the Peirodlr fbste interest Charge together A Daily Periodic Rare rs calculated by dividing an Anriu,&l Percentage Rate by 365. HOW WE ALLOCATE YOUR PAYMENTS Payments are a&foe&teel rn posred bahsnres. If you& account hos balances with ckffe& er&t APRs we will allo«a&e the amount of your payment equal tr the Total M&nimurn Payment Uue to the lowr st APR balanres F&rst (rncluding transactrons made «ft sr tlirs sta&ement) Payrr&enr. arnoums in excess of your Total Minnnurn Payment Due vali be applied to balonces w&th higher APRs before balanr es with lower APR« IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When usmg tlie opuonal Pay by Plione se&vice, you authorize us ro initmte an electronic poymrnt from yours!count at the finan Ial instirntion you de* r rio!e you must. author mr the amount. and timing oF each payment. For youi protect&on, we wrll ask fnr secu«ty inFo&mation A Fer may apply fo& expeclrted service To carvel, call us before the scheduled payment date. Ssine-doy psymr nts raw&ot be edi&e I or «anceled YOUR CREDIT LINES The Total Credit Lme ls Uie wnount of medit available for tlie account; howr vet, only o portion of Diat is evs fable Foi Rank Cash Adv i ~ re lb fash Ciedit I inc is !list am &i&i! youl ave,wait ibis foi Bank L i Ii Advances Genei agy Bank Cash Advent 5 con i ! oF 4 'M t as'i Advarir.es, Ove& the Counter (OTC) Cash Advances, Swn Day Dnline Casli Advances, Overdraft P&otect&on Cash Advances, Cash Equivalerits, and appl&cable rtansaction Mes MISCELLANEOUS - o&emotional Rate Lnd Date This date is bss d on & f&i!u» ster!&en& clo u&f; d,ne lf you rib&nge you f&aymen& 4, i'! 'ris u.l could char ge The &slew Balance Total wliich appetit nn this statcrnmit is not,i payufFan&aunt and m&y be sublect to add tronal int i st rliarb s &vti n you piy r& full sf&bi your staterncra closing date I'lease ront&c& the c.is&oiner «civics numbe lorawd on tl&e fron& oF th s taternerx tor s p, y-off 'acri& Mr re.il ra .&,.Uregm&'" »rfyai el&gblr oliy'l," i! . w !;«dv&t& agro&tvnl I O 2DIR Bank oi Ante»ca Car porat on CALCULATION OF BALANCFS SUB)FC'I TO INTEREST RATE Aver&ge fisily B&kince Method im lurlin now Prxchasesi We calculate sepaimc B&lance Subiect to an inrc i«st. Rate foi I'iuchsses and fat ear li Inrioductuiy c,r Piomotion&l Olf hslsnre consist ngof Puirhases We do the by (I& calr ~ lating & daily be&st&ce oi each doy in the bibing cycle &2) adding all the daily& alan«e rogethri,and ',3! Iiv dng the suni of the daily balances by !tie r&u&nbr:r o( day' tlv bdf rp r yr.le To r Icri&,it the daily balance for eacli day in this statement's billing cycle, we (I) ».ke!he beginning 6 &I!neo,!2) add an amount equal Io!he appb cable Daily Peuodic Rate molt&plied by ttie prev&ous day's daily balance (3) add new Purchases, new Account Fees, and new Transaction Fees and (4) subttact appllcsbie payments arwl credits IF any dally balance is less than zera we t&cst &t;&5 zero Avemge Palin e Me!hod (m liid&ng new Balance Iransfei« and r&cw Cash Advanre ) We ralcule!e sepai ate Balances Sublect to an Interest Rate fnr Bnlance Iiansfet, Cash Advance, and foi ach intioductotyat Promotional DFFei balance consisting of Balance Transf rs or Cash Advances We do this by ll) calculating a daily balnnce for each rlay &n this s&otement's bdling cycle; (21 calculaung a daiiy balance for each day piior to rh&s statement's b&lhng cycle tlist had a 'Pre Cycle lxslance" s Pre Cycle balsnre is a Balance han fer or s Cast* Advene w ths&rsnsa«&ion date prior to rhis statement'illmg cycle hur willi .i posting sate withm Uvs tateinent's big&ng cycle, (3) adding all the daily bal,ance« tnpethcr and l4) dividrng the sum nf the doily balances by th rbimbt& of days n th&s sratemen&S bill&ng cycle To cslrulste thr dady bsbince for each day in th&s st.,itement's billing cycle, we. ! Ii take rhe begirir&mg btilarice, f2) sdd sn an&aunt equal to !tie applicabl Daily Pciiodir Rate muh&plied by the piev&ous day's daily balance, ( ) add new I ala&ca fiar&sf r, new I as Advanres and lrar s iruon f ees, and (1) sub!ra«I applirahl- p )n r ts!rid cr d re lf &ny nady b&lwice s less than zem we t ear. Ir as zero To calrrilate a daily balance for each day pnor to this statement's bgilng cycle that had a Pie-Cycle 6~lance (I) we take the begrnnirig balance abributable solely to Pie-Cycle balance!which will be zero on the transaction date of the 6 st I'in 1 y I« t al nce&, 2) add an an ount qual to tt&e applicable Daily I'er odir Rote muhiplied I y the pirvious dayb daly balancr; (3) and add only the applicablr Pie.Cycle balnnces and their related Tiarvaction Fee W exclude from this« i&rule&tonsil tmnsactron pr&sted n prewous Urging cycles In I"e c, m&l.tr*!e ms err'n &r .»; nt your account, rnnsult you& Credit C& r ar era&t I sar»ur! is & i d irx»omnwrered by Bank of A nr'Ica Bonk of Auieii ca is a regwrei en trade&nark of Bank of Ameiic& C ~ rpui anon PAYMENTS v&ac edtma led pay icnr . I themte ece e '.e;:.;menr ment&ily&r&tone t I vadw&hac&tack&own U'ola one U'n nc st tut«o o U 5 doll y wder. o d Ot ent the rer m * vel p th o ly the e tui cep u fy «s&a&ament ccomp nyi p I p ye r «I by, Iafte pm loca'& me,&t rhe en tts ce add es&o s yday cl I erhc Pay; en& DveDote bul Ih & t&ewr r ac!the b e equ erne rs web o n'edo&ofthe e td y payme &s o I ~ orphan ebeoedt d frh d,roof ecept I d byspa t'en&rai C edt f ra yolhe poyme l,y bede&eyed ptof e day C t payn &de &'hov teoerso A1M th Tc*be Ass t (ATA» bc lybe accepted &th Id I&op&yne»I I ope t o u,«do d & foci thour t&e „»..» rt o &o top th I t o c fu d" uansfe x «ail u at the n nbe I:ted o the f ent If you have uthonzed us ro pay your oedit card b&ll a t mabcslly From yo r savings or checkme accou t w th s you can s&op the payment on any a ount yo thmk is wrong To sropp y ent,your&etre must ea«husetleasrtheebe&nessdaysbefoetheautomahc p. y I i»c&ieduled &o occur If you b II 4 dd ess « t,ct fo t on has h.need, &yo den&vis Address I Addi ess 7 C&&1 A hoi" I I:anc. Areo Code & Work Plione 300 VARKA MLS)RCSSA' A.ioi ~ i . ~Qggg9387 I 'inciy 77. M, icli 26 2tl)B Trdns)JCtfr)rjs Tiansaction 0 It'3/26 Po'.l rig Dct O.fi26 i. '* c Ipi'o'i Payments and Otlier Credits PAY BY PIIONL PAYMF N I TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD RPfPIPliCP Nut ill'085 /I C C O ilil I Nul ib 9382 A,n, -23,00il 00 -$ 23,000.00 0/i/7 03/06 03/07 03/07 03/23 02//8 03/07 03/08 03/08 03O4 Purchases and Adjustinents WAI GRLCNS I//384 cAN,IOSF CA WALGRECNS «2384 SAN JOSE CA WALCRCCN5 «2384 SAN/USE CA SOUTIISAN JOSE GROf. SANJOSE LA TAflf;LI 00001744 SANJOSC CA TOTAL PURCIIASL5 AND ADJUSTMENTS FOR THIS PERIOD 3583 3283 6005 9095 '1776 9382 9382 9382 9382 9'Bi 2 SO 495 I 25 5 4'0f) OC $ 514.15 03/01 03i02 Bank Cash Advames CASH BANK OF AMERICA CA045AN JOSF C/I TOTAL BANK CASH ADVANCES FOR THI5 PERIOD 0049 9387 1.000 00 $ 1,000.00 03/01 03/73 03/02 03/24 Fees BANK TRANSACI'lf'.N ILL LAIE FfF FOR PAYMENT I/UL TOTAL FEES FOR THIS PFRIOD 0049 9182 9382 40 00 27 00 $ 67.00 03/76 03/76 03i26 i33/26 03 26 03/21 03 26 03l26 interest Charged INTFRFS I C. IARGL0 ON PURCHASt S INTFRFST CHARGED ON BALANCE TRANPFERS INTI Ribi Cil/IRGLf'N Diff DI "I IIK CASltADV INTFREST CiIAB'D ON tfANK CASH AliVANCCS TOTAL INTEREST CHARGED FOR THIS PERIOD 1139) 0 00 0 00 192 11 $306 05 WWA„',.l~66erdrm Toto) fee cliarged in 2018 $5» QO Total interest charged in 201 0 $ 542 4) Interest Chd) toe Cnlculetion Yoci Annual Percentage Rate (APR) I 'vol ac ov li Type of Balance Annual Percentage Rate Promotional Transaction Type Promotional OFfer ID Promotional Rate End Date Balance Subject to Interest Rate Interest Charges by Transaction 1ype Purchases Balance Transfers Direct Deposit and Check Cash Advances 129c; „V 18 24%V 11, 114 19 5 i3 00 5 000 ( 117 54 5 00i 5 000 Bank Cash Advances 20 49e V 5 12 221 91 5 I op 11 APE Type Oehnit on( L'pily fete ps! Rttp Type V- V,ii t.le (a; iiate nay vary) Page 3 f4 301 Iv'Ak(A M& Si RISSAT I Accuunr u ~~gge262 I I ei& uaiy 2) Marr& 2F., 2))e 5.14 BASE EARNED THIS MONTH .05 BONUS THIS MONTH 12.44 TOTAL AVAILABLE VISIT BANKOFAMERICA.COM Afidltif2FI;Il 112&OFITIEItiOI2 Need to dispute a transaction& For the fa test dispute re olution, please contact the merchant If unsuccesshii, simply file a dispute online www bankofamenca corn Select your credit card account, click tlie 'Information Sr Servrces'ab and then select the 'Drspute a tran action" Ii)1k Llf &der thf'. ei i&)cps sect)oil 302 Baokof Aroerica ~W CASH REWARDS MARK A MFSTRESSAT 1455 LUNING DR SAN JOSE CA 95118-23Z5 Customer Service Information. www itcok of ctncnt c cola I 80(1 421 2110 TTY I 800 346 3178 Mail billing inquiries to. Bar'f Ame11cs I'0 !icy 982/34 I=I I'sso I X 79'.i98 773'I Mml payment to: Bank of Amahca P 0 Box 15019 W hnmglbh DE 19886 5019 Match 27 - Ap1il 26, 2018 Accounts ~~~ 9382 Account Summary Previous Balance Payment and Other Credits Purchases and Adlustments Fees Charged Interest Charged New Balance Total Total Credit Line Totai Credit Available Cash Credit Line Poruon of Credit Available for Cash Statement Closing Date Days in Btiimg Cycle $ 2,161 I/ $00( $ 23,003 70 $27 00 $367.71 $ 25 55ti 88 $2 EOriO Or. $0 00 $ 11 2 00 ()0 $000 04/26/2018 11 Payment Information New Baiance Total Current Payment Due Past Due Amount $ 21,55'J 88 $610 00 $987.00 Totai Minimum Payment Due $ 1,606 00 Payment Due Date 05/2 3/201 8 Late Payment Warning: If we do not recewe your Totai Mmimum Payment by the date listed above, you may have to pay a fate fee of up to $38 00 and your APRs may be increased up to the Penalty APR of 29 999a Total Minimum Payment Warning If you make only the Total Minimum Payment each period you will pay more in interest and it wiii take you longer to pay off your balance For exampie If you make no additional You will 'payoff the A'nd you will en'd'up:'hargesusing this card balance shown on thl payihg an estimated and each month you pay statement in abaut total of L.Only the Total 33 ye'8's $65,743,00Mi imum Payment If you would like information about credit counseling services, call 866 300 5238 33II2 BANK OF AMERICA P 0 BOX 15019 WILMINGTON DE 19886 5019 llcco(hl( Nulniyot. ~~~ 9382 isbn Bnlenct' otal fotal Mitt1mum I'avment Due psyntcni lone Da!e $75,559 88 $ 1,606 00 0!! 2'3,'20 I 8 MARK A MESTRESSAT 1455 LUNING DR SAN JOSF CA 95118 Z32'ait I i1 Iynicn( (huoul I Mail this coupon along w th your *hack payable tc Bank of Amabca '3 3B 2ii'03 VAR'(A &&C xpcSSAT i A,ra „. gg»3h" I Va rh 2/ Al, il t! 2(lb ooi onn noo c IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTFREST Y/ew&& &&&I & I»ig &1 ( .si. u'I&i&ilia&as &illa&i&'x: stà mr ni if you pay tlie N w D i ance In&pl in .ih hy the I'ay n nt Ciue D i&e, anrl ynu !&ad paid ir& full by the p »vie&ra I&ayrnr nl I u. I)a!e We w&ll l&egir r'barging imeres! o» B ilance IiansM s ancl! i sh A»vane" n th Uunsactiun d,lte. TOTAL INTEREST CHARGE COMPUTaTION li»ei t C&aigr s,iicriie anrl me cumpounded un a ifaily bosis To date»r iii Lhe intetest (ha&gas&vs niul»ply each Dalanro Sulrioct &o I»ivies! Rat by irs applirahlr Daily Pet&odic kate and Lhnt re rift &s multiplied by!hc nunb» of days rn &he billmf cy~l~ To determme the total Interest Cliarge fn the Lillkng ryrlr-, we add the Pe»odic Rate Interest Cliarges togetlier A Daily Pedodir Rate i calculated by dividing an A&inual Percenoige Rate by 36S HOW WE ALLOCATE YOUR PAYMEN IS o iyine its are slloc!teel to posted balotices If youi accoum lira balances w tn d fferent APRs, we will allocate the !moan! oF your paymenl equ,il to !lie 'I'otal Minimum Payment Due to the i»wear AF'R balances first (mr iud ng transactions made after this sta!ernr nr) Payment am»urn !n excess of you Total Mminxim Payment Due will br.* applied to b ilancex wit!i &xghe APRs! »!me bafances wirh lower APRs IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE Wheri using D&e optional Pay by Phone . e vice you &uihoiize us to in ti ate an ele! trunic payment Fiam your sccou it a« I e hn»cml not it ~ r ion you designala You m&rst authorize the amoun&,and t&ming of ear h payment f.or youi piotec&ion, we will a k for seru ry informal un 4 fee nay apply foi expr rlitcd servic To can~el, rsg us before &fie a&iud&led paym ~ !'date Same-day payment'annot he edit » or c&ncelcrl YOUR CREDIT LINES Ihe jntal Credit L iic'I the alai&&it ot ciedi& avwlable foi the account howeve, only a& poi! nr«&f tliat &s avail,itile fm Bank (ash Advance' && Ca*I& C,d! nr: .' i, t !in&nunc you have civu I &hie lo Parik Cash Adv,iri es Den- ally, I!ank (.&sn /hlv,inre cuns SL uf AIM!.ash /ldvanre, Over!Iie Count r fO'I CI C»sh Advances, Sam Day Online Casli Advanres, Ovatd&aft. Protection ( ash Advanres, Cash Equivalerits, and applicable transaction fees MISCELLANEOUS I'romorinncl Fiatc E id Da!r. Tl *. date is bus d an a fitiie st»L»&»!&I loci& f'd Iv I yo '&is&'I-'' yr ', iy fr&it 3»v '..'I&&'L!re could change 1 he New Bal ir ce Tntal wh & li &ippr »is nn ttiis sLatement is not a p iyuff amour» and r'my!i suhj t toad I! Ul r»e st cha gas &vli. n you pay in Full sf'le yaui Statri»mt C »ani da! I I uav IO» iCt!lie Cualm I, r SerViC» iiurnbe located on tie I oi a!I' '..i m . '. a pav off amount Yirti.. I digital waflet ic'UI B Bwik of 4 r i r&r, iu po . &rur CALCULATION OF BALANCES SUBJECT TO INTERkSI RATE Avc.i.ige Daily Bolance Metliod (including new Pui elias s'e mkulai e separate Balances Sub!act to un&nterest Rate for Pc»dias.". and fu«»re!i Intioduc!o y or Piomotton»l Offer bslaricr rnnsisting of Pu» liuses We da this by (11 calcula&mg a dwly balance Fo& each doy in the bllnng cycle &2),sddmg all !he dmly balances together and (3! dividing the sum of!he d ly balan&as by r!ie num!err of days in tlie brlbng cyr Ic. I o calculate the daily balance for each doy i ~ Live st»terna"tb hillmg cycle, w &I) take the begirinmg balance !2) add an uinount equal t ri i bc appl cab! * D iily Pe&i»die Rate multiplied by the previous day's daily Lralancr, l3) add new Purchases. new Account Fr*as, and new Tr*nsact&on Feeg and !41 subtract applicable payments and c&edits If ariy daily balancr rs ic s than zero we ti eat it a zero. Avei rge Balance Method (includirig new Balance T&ansfeis unrl »ew Cash Advances): We calculate separate Balances Sublect to!in inrei est Rate for Balance Trarisfers, Cash Advances, and!oi arh introductory or Promouonal Offei balance cnnsisting of Balance 1 iansfers or Cash Advances We rlo !his by (I) calculatmg a daily balance for each day in tins s!uter&ient's bilhng:ye!a (21 calculating a daily balance foi each day prior to Lh&s simstement's billing cycle tliat hod,a Pre Cycle bat»rice" a Pre-Cycle baMnce &. a Balirire Transfer ar a Casli Advance wit!& a tran action date prior lo tins t.tern nr'rlhng eyrie bur. wit!i a posting date with n !his statement's Liillnig cycle, (3i a!klrrig all tlie daily bal*nres togethei, and (1) dividing the sum of the daily Lmlrnces I..y th iumt.ci of days in Lhis statement'illing cycle To ralculat" the dady balance fo& cacti day in this state&non!'&&ling & y& fe, we (I) take the beginning balanre, (2) add an amount equal in Uio applir.a!ale Daily Pe&i»die Rale multiplied hy thc previous day's daily balarrcr, (3! add n w Bala&&ce TrunsNrs new Cash Advances und I iansart&nri 'c,! id (I! sub'.,am a& pl&cahl paymerits and c&eckts I(uriy aaily balance is icos &bar& z.ra &v t e&t It as zero. To calculate a daily balance For each day prior ro this statement.'s biging cycle that had a Pie-Cycle bal*nce: (I) we take the beginning balanc atlnbutable solely to Pre Cycle balanre (wh&ch wrg be zero on th transactron date of the fire! p& (yme balance), !2) add an amount equal tn rhc aipf lrr. LI (a ly Periodic Rate rriultlpl&ed by thc previaus dayg daily Lie&ance (3),&rgl add nly &lic .ipplirable Pre Cycle balances and the&i i elated Trans && lion F es We exclude from ttiis calculation ag!i*r&sactron posterl m prevrous billing ryr les Fnr the comp'ete ti'&ms arid con&I&t&ons nf ymrr aci,r L & r s &i yo. ( m& ! I&ril Ag - ment Tins account isis &e lane ocnx ~ 'tei!1:,» I!...I An'e r Bank nf America is a icgisteied!rademaik of Bank of Amerir.a Cn po atinn &I your b llno oddrex o tort nfo t nhos h. g 4 I your odd s ix om t it pp a&so t&i bia.pl pa de,a« tr ~ xh &o thly!a&ewe & i pan w&l acr ck art «» U'., I I o s na U fn neo tt to oraUS do&1&m oney rlv . dr! t the e& nen I oe tho lythe snit!a cep lo ofyo « * r.«ooo v x r poym &s ce edbl » I.f 1 pm local& e I the «»ra ..dx ess yda& &iud: cthePavmen&D elr.t,hul that the wser ee« he h i mo» e en& * I L & em&ecru:»(the I I y pyoe & adeo Iu syph llbe »ear d 'he dare of e»& f »ai by so (en!ral (md & for, yot!ie payn: mat I socle!e I » mr«d. y& ca I paymen&s m&1 v tho Iene so AIM wthteae Assr tin&A&mll lyoeacceptedw&th rid &ID loopy» I ha»ace&tea . ccoua&I&\ I &r.";rir,taco &r cooo-' of ~ Se o off= ". o to top theelec& one! d t.« fv, al«at&hen mb I»radon the! If you have authonzed us to p y your credit card blp au&omatrcapy from your savmgs or checking account with s, you ra stop the Nryment on any amount you think s rong To stop payment, yo r I tt ust reach us at least th ee busmess days befo th utomat c pay e t &s ached led t au / !id& f:ss Arldress 2 Area Code & Work Ptione x . 304 I//lnin 4 Ml s IiLSSAT i Arr)un; - gg~~ 9382 I Mai,l 27 /,'-.,) i 2! 7018 T I'1115a C t I 0 115) Postinp Ua)te Cetr«puon I'I 'nb ' Acrauru K ra li) 0': 26 QS/2 6 Qi/2/Qcm'urrtrases and Adjustments WALC8!tNS 42384 SAN JOSE CA PAYMENT RETURNED UNPAID TOTAI PURCHASES AND ADJUSTMENTS FOR THIS PFRIOD /,ir)3 anno '/38/ 9382 37U 2 '.000.00 $ 23,003.70 :14005 Qn;0 Fees RETUflNED CHECK FEE TO I'AL FEES FOR THIS PERIOD 0040 /382 2/ UQ $27.00 i:4 /6 O'I 76 Qri/2 6 !In)76 04/26 Qr,26 r)w26 04/26 Interest Charged INTEREST CHARGI.D ON PURCHASES INTER ST CHARGLD ON BALANLE TRANSFERS INTLfi!ST CIIARCED ON DIR DEP8,CHK CASHADV INTEIIEST LHARGED ON BANK CASH ADVANCES TOTAL INTEREST CHARGED FOR THIS PERIOD 119 Sl 0 00'0 22820 $367.71 Total fees charged in 20l 8 $ 538 Total intere t charged in 2018 $ 91 Interest Charge Calcfjlation Your Annual percentage Rate (ApRJ is the annual interest rate on your accounr. Type of Balance Annual Percentage Rate Promotional Transaction Type Promotionat Offer ID Promotional Rate Lnd Date Balance Subject to Interest Rate Interest C.tiarges by Transaction 1ype Purchases Balance Transfers Direct Deposit and Check Cash Advanres 13 24$,1/ 13 74" 1/ 18 nc' 12,406 68 c (i .'I' 'IS1 c i. I )I c ', r)Q Bank Cash Advances 2U 74$ V c ) 95506 5 22820 /" i me Qal ii ins D,:iiy)nte;": Rais Ty" V Va i.ale 6'e nat may v) 7'mportant Messages Pleas!. read about important amendment( I to your Credit. Card Agreemenr. and/or notices far yatrr account on the enr.lo ed Impodant In/armatian page You re a valued customer and we want you to know that we haven't received your current payment due Please end your payment due today If you ve already mailed it, thank you Yotir statement. balance exceed the Total Credit Line To ensure uninteirupted u e of your account, p/ease make a payment to hnng your balance under the Total Credit Line There is no fee for being over your Tatal Credit. Line Yoii,ire currently over your Ca h Credit Line Wfitle ttiere is no fee for being over your Ca. h Credit Line, yaui car)1 c.innot be used for Bank Casli Advance tmn artion until a payment is received that bnngs the balant.e belaw your Cash Credii Ltne P. ge 3 of 6 305 NAe! A kl )'I L))A ,'iuccuai:, ~~ggn3e2 l M vrii 2/ A»F12! iole When thi 'tatement wa" created, the accounr's Credit Line wa in a restncted statu" and not available for use Tell us what you'r e thinking Jralil 1 Ie Bank of America'dvrisory Panel Ycltr'll help LI'c I I 'I Wii'I 11 w" I I ' li i it I, I ll» 'll Cln CI LVI3&32 we c 111 dn hotter. lo Ic lln naore ainu Jolll, DDLer code LAOL &ll bankofamerica.comladsrisorypanel v I' 'i Ih" liil»I) ' Fo ', il. \ I I 'll I IJ Lt I '13' I I ."Iltiuwin Additional Infomaation Need to dispute a tran action? For the faste t dispute resolution, please contact the merchant If un uccessful, simply file a dispute online www bankofamenca corn. Select your credit card account, click the "Information gr Service "tab and then "elect the "Dispute a transactron" link under the "Seinces" section Together, we can help protect your account agam t fraudulent ac!ivity Visit the Secunty Center at bankofamenca corn/secunty to leam more about how you can help protect your pnvacy and safeguard your accounts r»ev A err e 306 kzAilt&A Mits'kL5'l: Account . ~~~9."82 I Maich 27 A v126, 2016 Please review the enclo ed annual Privacy notice insert for your account. You can also review this information online if you have registeied your acc.ounl. iri Ciniine Bmnking. YOUR BILLING RIGHTS Keen This Document For Future Use This notice tells you about your rights end our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement If you think there i an error on your mtement, wnt.e to us at Bank af Amenca P 0. Bax 902234 Bl Pa o, TX 79990-2234 In your letter, give us the follawing ~ Account informauon ~ Dollar amount ~ ~Descn tian of problem information Your name and account number The dollar amount of the suspected error. if you think there is an error on your bill, descnbe what you believe is wrong and why you believe it a mistake Yau must contact us ~ Within 60 days after the error appeared on your statement ~ At least 3 bu.iness days before an automated payment i scheduled, if you want to stop payment on the amount you think is wrong You mu t notify us of any potentml errors ~in writin Yau may call us, but if you do we are not required ta investigate any patentml errors and yau may have to pay the amount in que" tion Note It i very helpful if your letter inrludes the transaction date and the reference number for the charge, if available What Will Haooen After We Receive Your Letter When we receive your letter, we must da two things 2 Y/nhin 30 day of receiwng your letter, we must teil you that we received your letter We will also tell you if vve have already corrected the eiior 2 Within 90 days of receiving your lette~, we must eitlier correct the error or expimn to you why we believ~ tlie bill is carrect While we inve tigate witether or not tliere has been an error ~ We cannot try to collect thr amount in question, or repart you as delinquent on that amount. ~ the chaige in question may remain on your statement and we may continue to charge you interest on tliat amount ~ While you da not have to pay the amount in question, you are re pan ibis for the remainder of your balance ~ We can apply any unpaid ~mount against yoni Tot~i Credit Line After we finish our investigation, one of two thing will happen ~ If we deteimine thei e was a mis ake You will not lhave to pay the amount in questian or arty interest or other fees related to that alrloulit ~ If we do not believe there was a mistake You will have to pay the amount m que tion, slang with appkcable intere t and fees We witi send you a statement of the amount you owe and the date payment is due We may then report you as delinquent, including to credit reporting agencies if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must wnte to us within I0 days telling us that yoi& still refuse to pay If you do so. we cannot report you a delinquent without al o reporting tlmt you are que honmg your bill We mu t tell you the name of attyaiip ul whom we reported you as delinquent, artd we mu t 1st tho e organization know wlien the matter has been settled bi tween u- If «ve do net follow all of the rule: above you do not have to pay the first 550 of the amount you que tion even if your bill i correct Your Rights If You Are Dissatisfied With Your Credit Card Purchases pates is 307 I/Aax A ML IPLGGAI ' cminr s ~~~! 82 I Mairh 2/ April!( 2n18 If you are dissatisfied with the goods or serwces that you have purchased with vour credit card, and you have tned in good faith to correct the prablem with the merclwnt, you may have the npht not to pay the remaining amount due on tlie purchase To use this right all of the following mrist be true The purcha e mu t have been made m your home tate or within 'IOO miles of your current mailing addres:, and the purchase pnce must have been more than 850 INote Neither of these are necessary if your purchase was based on an adverusement we mailed to you, or if we own the company that old you the good: or serwce ) 2 You must have used yaur credit card for the purchase Purchases made with cash advances from an ATM or with a clieck that accesscs your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the cntena above are met and you are still dissati fied with the purchase, contact us in wnting at Bank of America P 0 Box 98223r! EI Paso, TX!9998-2238 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our mvestigation, we will tell you our deci ion At that point, if we think you owe an amount and you do not pay, we may report you as delinquent itx2018 Bank of America Coiporation. Aa nghrs reserved. P,re sofa 308 Bank of America+A CASH REWARDS MARK A MESTRFSSAT 1455 LUNING DR SAN JOSE CA 95118 2325 Cirstomer Service Information wwh' llikufanlet is cor I I 800 421 2110 TTV I 800 3463178 Mail bilkng inquiries to: Bank xl'meuca r 0 riux no//3/, EI Pu)o TX /99'I -7234 Mail payment to: ifank of America P /J Sex 15019 VViinwigtun DE 19886 5019 Apiif 27 - May 26, 2018 Account u ~~~ 9382 AccoLlnt SIJITllTlary Prewous Balance Payments and Other Credits Purchase" and Adlustments Fees Charged Interest Charged New Balance Total Total Credit Line Total Credit Available Cash Credit Line Poruon of Credit Avmlable for Cash Statement Closing Date Days in Billing Cycle $ 25 569 88 $060 $n.oo $38.00 $ 361.35 $ 25,959 23 $ 25 000 00 $0 00 $ 1/ 'Soi) ii'000 05/26/2018 30 Payment Informatnon New Balance Total Current Payment Due Past Due Amount $ 25,959 23 $ 65/i r/O $ 18060o I otal Minimum Payment Due $ 2,26000 Payment Due Date 06/2 3/701 8 Late Payment Warning: If we do not receive your Total Minimum Piyment by the date li ted above, you may have to pay a late fee of up to $38.00 and your APRs may be increased up to the Penalty APR of 29.999m Total Minimum Payment Warning If you make only the Total Minimum Payment esrh penod, you will pay more in interest and it will take you longer to pay off your balance For example I If you make no additional ~ You will payoff the-,: Add ygu will end up charges using this card Ibalance shown on this . paying an estimated and each montis you pay statement in about total of Only the Total 33 year'65,7BO OO M nimum Payment If you would like information about credit counseling services, call 866 300 5238 9382 BANK OF AMERICA P 0 BOX 15019 WILMINGTON DE 19886 5019 Account Numbei ~~~ 9382 Ivew Baianre I otal 1oiai Muiimuill I'ayiiieni Diie Phimeni Diir f/aie $25 959 23 $ 2. 260 OL 00/?'1/?018 MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95i18-23 5 I furl paxliir:Ill iililourli. 1, Mailih ouponhiuhg with your uhe h p yuhiuiu. Bank of Amerw 'I 38 20 ~ 309 k(ARK AM(»1'IFSSAT A r&,. t - ~~~ idt!7 ) Aii I 77 Miy »6, Tfilg ooi nno ono IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST Vli-iu P n" chn P nisi« t n'i rhasr sun &h iexl slat m n'l if you p,iy rlie rs(e&v Ca,inca Inrnl i ~ hih hy thc Paym nt Duv D.ue or dyr&uh&rd «aid ' fr&»by rli p ev:vis Psyrnen'lu D,it» We will b gn r.barging interesr. on Balance I r,sisters ann Cash Advances on di tran act on date TOTAL INTEREST CHARGE COMPO(ATION litt e t Cl aigcsacciur and aie r mpoi "cled on a d&ly 6 sis To dete n ne tlie intei. st Cliargeswe m»it&ply each Be(acr.. S&ale&l lo lnl i sr Rat hy it( spplrcahle Daily Permdir. Rate anil t!1st resu(L i. multr!I d Liy thr- nurnbr i of el»yam th billing cycle To determine !tie total lnt rest Charge Fn thi hihing cycle, we add Bie Pe»odrc. Rate inieiest Cliaige togetlier A Daily P iiodic Rate &s calculated by divrdrng an Annu,il Parr.entage Rote hy 36S HOW WE ALLOCATE YOUR PAYMENTS Paymenrs sre ahocsrcrl tn posted balance If yaui aiccourii h is L&a snces vntii difh rr nt Apps, we &vig allocate thr- amout't of your payment aquof tn thr Total Mrrirmurii Payment Due to the lowest APR balances first (including transactions made after this statemcnrl Payrnenr anr ur» &n excess of your Tor»l Miri mum Payment Due will be,ipplied lo burin&es w th li gliei APRs hefoir- balances wrth lower AP(ls IMPORTANT INFORMATION ABOUT PAYMFNFS BY PHONE When us np the optional Psy hy Phane s tvir e you au&ho ize us to in tlstr sn elect&on&c p lyrrlerit I nm youl »&eau&it al thc- F&riaficra'!st&L»lirrri yoil des&griato You musr. aurlioimr- the amount,ir&d timing of each payment. Fni your prorertinn wr w R ask fo scc ~ rity i»fui natiar, A fee msy apply for expecktad service To»an&el, calf u& 6 foie ilia srlwdul d paymen& dat Sam .day psymenls cannnl br c! te I or inner-lac! YOUR CREDIT LfNES II'e to&al (rrdil Lin's the amount rrf r red&t avail &b!e for ihe .iccount liowever, only n portion of thar is,iva (able for Bank Cash Arlvin es I ie '.,I '. v»& I in& 1 „I arnouri& youl„ve avalable For B&i»k C isli Aav ir ce t rm aly, Bsr k C, .Ii Arirarrrt', con*i' of O'IM Ca»i Advarir.es, (iver the Couritei h)TC) Casli Advance~, Sam. Day Onhne Cash Advances, OverdraFt Proterbon Cash Advanres. Cash Cqu&valents, and applicable tmnsact&an fees MISCELLANEOUS Prnmo. ni,il qitr. I.nd Date Ibis date is hsserlnn a lulu e stolen '&: I try I lc I'u rl org y i aymenf lu& dat. t!ir rlatc could c(rarrg. Tl&F I ew Err,i rr. Tal,r whrcli appears on tl»s statement rs riot a PayOU amr&ur &,1nd iay! . „&In I l, I "I na rnt eat riiag S When yau P1y :n fuh after yr»n st.t. nw» c n& i d te uleasc cunracr tire rirsror&iei service. numb« Inr,.t«', ni;I f»»! ' & &I il n cnl (o a pay o&f amo nt Virtu&i dig&»l'n I I t CO 2DLP Bank of (imr. t. r o l,u ct sc CALCULATION OF BALANCES SUBJECT TO INIERESI RATE A»crape Llaily Balance Mcdiod iincluding new Puicl,is s) W»,rrcul,rrc sepaatc Batsnre Sub(est to an lntei est R,itc foi Pu ch.i»ra an&i lo eiili Imioductoiy oi Piomotiona(DfFei hain&Ice r onsistmb of PuiLhase We dn &iris by (I) ca!cute&(»Ra daily balanr: foi ear h day in tlie billing cycle, &2! aodir gag tlie daily balance Lopr thai, and &3i I vicling tire sum of &he daily bslsnres by the number of days in &lie b,lgng r yrlc To cnlculate the daily balance for r ach day i ~ Lliis state i enl.'1 bi'ling cycl vrr." (I) take tlie begrrxiinp balance (7) add.i~ arriounl equal Lri !tie spplrcobl Daily Petiodic Rate in«i»plied by the previous day's datly balance (3) add new Purchases, new Accounr Fees, and new Transaction Fees, and fd) subtr »el applicable paymenrs snd rredlts if any daily balance is less than zeio we iieet it as zero. Ave i age Balance Method (iricluding new Balance (iarisfer»,ind riew Cash Advances) We calculate sepaiate Balances Suhiect to an inteiest Rate Fni Balance Transfe&s, Cash Advances, and for earh introductoiy or Pnsmotional OF(e& balarire consisung af Balance Ti.insfers or Cast! Advances We do thrs by (I) calculating a daily balance fm each day i ~ this statement's billing ryrle. (2) calrulatrng a da&ly balance For each day pr &or ro th&s staten!crit's billing rycle rliat had a "Pre Cycle balance" a Pre-Cycl balance is a Balan& Transfer or a Cash Advance wit!i a Lransact:on date p»o& to th&s s&stem ni s bih,ng cycle Liir with a posting date within this statemenl.'s bill&ng cycle, (3)addirig all the daily balance". together, and (4) daiding the sum of the dafy I &lances t&y thc rx&i I» of days tn Lhrs tatement's billing cycle To calcul,ite the daily balsnrr* For each d,iy m th s statement'& billing r y&le, we fl) take lhe begnnmg balance; f2) add an amount equal I ~ tlv. applirahle Daly Periodic Rate r»rift(piled by the previous day's daly balarice, (3! add new Balance liansf rs new Casli Arlvances and (rane irunn f ecs arid Id) s bi acr asppl«abl payments anrl cr dits I" a»y cia ly balarwe .;(e s ihn z rri wc t cmt lt as zero Ta calculate a daly balance Foi each day pnor tn rhis statement's bilhng cycle that lied a Pie Cycle be(once. (I) we take the beginning balance attnbutable solely to Pre Cycle balance (which will be zeio on tlie trans»ebon date of the f» st Pi Cycle balanrr) &2) ader an amamit equal to trio apl lir. LI, Da ly Periodic !ate multiplied by the previous day's daily balance, (3i and ac'd only die applicabl Pre-( ycle balancr.s and the r elated Trnnsaction I e We exclude from thr calculahon all transactions posted ni p evmu bihrng cycles in the completr term and rnndrt. one sf yorir 1 rni L c malt yoi. I. st L»tl Af'reer»err& (h&s air alii&i s &s&ued lna ..cl'I "I s&el &H) B..I'k fl' l)ank nf Amei i&a is a registered trademark of Bs k of America La point nn lfyou bffngadd o ontoctmfom tonh, Ia g d. r fyo dd is n o «t itapp r ntll bll,pl po dealt o ectro sh rial&lily '&a&en e t I pa il i" u'. '; k u & ' dogs I a U 6 f I a xu' & t t o o & U 'o»a oi di, d &3. &en» he &u e elope w th only th- em&to cep r» fz,,t m» m&co.a y g t Pyne t ece«r!by i ft pm loc I r»no„t the,»»c e&dele&&o .myd y cl csng i& p yn ant Du D t* bul that th ««: i &he &«e ec» .. e t. «I be& eo & * I &. f th xt dry Vayme &'sd»o byplone ab uedleda of lb d & f r &trf sdebyspm Lent&al c ec'& fa s y tie payme I maya, d I y d p to fix d y. cs h p ymenl ide « thou tege o ATN ' a Asv;t IATAI wu only 6 ac epted with. void atm f «' «'a i»ops»e & 'l.eat o»«a nd& I»act'&ho ttl'" !te r'po&'fyourave tho z a sr- p yy«cred & ca d ha autumn»cosy I o» y &a geo checking acco & wth s you can stop the payment on any artie niy think is wrong. To toppayme t y «&etta mu & etch satleasttlveebu nes&daysbefoe thea toms&c pair t: scheduled to occur Addi ass I Adares& 2 C,ly Area Code & Work Plione 310 M/IR& A Mf RFSSAT 1 Arcowii o ~~~'f387 i Alv 127 I/ 1 2f 2C18 Trfjnsectfens T ao'jir.iio«postirogJ'cie 05! 23 05//« Drsc Fi, Fees LAIF FFF FOR PA1'MENT DUL TOTAL FFES FOR THIS PERIOD Ref . I ore'i, 111, Acnicoi No "L" /irm,ni o8 00 $ 38.00 CS/76 0'»'71 0'/2b i7o/26 05/26 05/76 05/26 05/26 Interest Clmrged INTFIIEST CHARI,CD ON PDRCHASES INTEREST CHARGED ON BALANCE IRANSFERS INTERCST CHARC ED ON DIR DFP/LC ~ K CASHADV INTERCSI CHARGED ON BANK CASII ADVANCES TOTAL INTEREST CHARGED FOR TEIIS PERIOD '. 6.65 0.00 0.00 224.70 $361.35 ',. '~«'%MA« ~~+~tpjY/g!H: Total fee" charged in 2018 $576 QO Total interest charged in 2018 $ 1 271.47 interest C.herge Celculetion Your Annuaf Percentage Rate (APR) is the annual mterest iaie on your i«r ovnt. Type of Balance Annual Percentage Rate P I' I it 0t i 0 i1 « I Transaction Type Promotional Offer ID Promotional Rate Fnd Date Balaiice Subject to Interest Rate Interest Charges by Transaction Type Purchases Balon&e Transfers Dirert Deposit and Check Cash Advanres 13 748/oV 1374. V i84r,o/;V 5 12.55/ 66 5 U 00 0 00 5 13665 4 0 OLr 5 000 Bank Casts Advance» 20 /4%V 1,181 46 5 724 70 6 i yp I oi rtl r I .L! 7 .'*'si «li Iyp' Vouibl R I Ii rc Ill'yv In1idort,jnt jyyjes." egc.s You'e 4 valued cu tome r and we want you to know that we haven t rereived your current payment due Pfease send your payment due today If you'e already mailed it, thank you Your statement balance exreed the Total Credit Line To ensure uninterrupted use of your account plea 8 /rake 8 payment to bnng your balyni.e under the Total Credit Line There i no fee for being over your Total Credit Line You are currently overyour Ca h Credit Line While there is no fee for being over yoiir Cash Credit Line, your card cannot be used for Bank Cash Advance transaction- until a payment i received that bnng the balance below your Ca h Credit I ine When this tatement wa created, the account's Credit Line was in 4 restricted tatu and not avaifable For use Page 3 I 4 3'11 MARKS Mf(TRES(AT I Arcoini - ~~ ~':(IIP I At, I 7 May 2b, 71118 Sharpen your home-buying chops terMoneyHabits.corn encl get the Iipi, you nocti sm trt cleclslons tie fore,111II,Iftt'I you btly oney Habits-' llQTQI IS,ddit:iOftal InfOImztiOFI Need to dispute a transaction7 For the fastest di" pute resolution please cont~et the merchant If unsuccessful, "imply file a dispute onkne www hankofamenca corn Select your credit card account, click the "Information 5 Serwces" tais and then elect the "Dispute a transaction" link under the "Sernces" section P 44 4 of 4 312 BaiikofAmeriCa ~en CASH REWARDS MARK A MESTRESSAT 1455 LUNING DR SAN JOSE CA 95118-?325 Customer 5crvice Information v 'test bcttkoto'"tt.*t ca csin I 800 421 2110 TTV I 800346 3'78 Mail billing inquiries to. Sank I Amct cs I C. 13 x nhx?.'i Paso I X 7'3'!9!i.??s4 Mail payment tc: Bsnk of Rmpiics I'l Box 15019 Wilmirgton 06 191386 'toin Msy 27 June 26, 2018 Acrcvntc ~~~ 9382 Account. Summary Previous Balance Payment and Other Ciedtts Purchases and Adiustments Fees Charged Interest Charged New Balance Total Tot~i Credit Line Tot~I Credtt Available C.ash Credit Line Portion of Credit Avmlable for Cash Statement Closing Date Days in Billmg Cycle $ 25,959 23 $0 oo $n.on $38.00 $379.46 $26.376 69 $25,000 00 $ noo $ 12,.500 on $0 00 06/26/2018 '31 Payment Information New Balance Total Current Payment Due Pa t Due Amount $ 26,376 69 $6// 00 $ 7,260 00 Total Minimum Payment Due $2,937.00 Payment Due Date Cs7t/3/7018 Late Payment Warning: If we do not receive your Tot~i Minimum Payment by the date hated above you may lieve to pay a late fee of up to $38.00 and your APRs may be increased up to the Penalty APR of 29.99'yo. Total Minimum Payment Warning: If you make only the Total Minimum Payment each period, you will pay more in interest and it will mke you longer to pay off your balance For example lf youmake np pdditiongl ..Yodwill payoff the Andyou will endup chaiges using this card balance shown on this paying an estimated and each month you pay statement in about total of Only the Total $66,281 00 Minimum Payment J If you would like information about credit counseling services, call 866.300 5238. 9282 BANK OF AMERICA P 0 BOX 15019 WILMINGTON DE 198136 5019 Account Nttmbct ~~~ 9882 New Balance lot@I Total Mitnnnltn Payment Due Pnytttpnt Due Date $ 263/669 $ 2 937 00 ti 7 /? 3 '? I! I 8 MARK A MF. TRESSAT 1455 LUNING DR SAN JOSE CA 95tl IS 2320i Cntc t payment amount tec 1 this coupon elena w th your heck payable to Bank ct Rmcncs CI 3B 2ii'13 MAR)( A &FCSI BL55AI 1 Ar »unt '* gg gg~ qkgp 1 Ivisy 27 ). nr 2( 2ulg 00 1 000 000 . C IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST We will net«barge n'.ciest oi; ui«liases on !he next st at amen! f you pay the New Balance Tutti& in full by the Payment Due Date. ,ind you hacl pair& in h&B hy the pievlous Piy&riant Du D te We will begin rhoig&ng in!eiesr on Balance Transfeis and Casti Advances on the transactmn der.e TOTAL INTEREST CHARGE COMPUTATION - Inta crt Changes Jc«&L&e Jricl .u comprqriidrd un,s daily basis Tn determme tlie lntetest Charges we inulliply earh Us&ance Sublew!0 Intet est Rato by ils arplicable Daily Pena«lie R *re onri tliat result. s rni<iplied by thc nurnl'ei of day. in the billing cycle To d teimrne th total Interest Charge for the biging cycle, we add tlie Period&r Bate Interest Chaiges together A Dmly Peiiodic Rate ls calculated by divld&ng an Anrnisl Percentagr Rate by 365 HOW WE ALLOCATE YOUR PAYMENTS - Pnyments are allocated ro posted bal,&n«es If your account. has halsnres with aifferent I!PRs, we will agoc ite the ar iount nf yorrr payment eqr&al to the Total Mir&r&&r&m Payment Due to the lowest Al'R bolances br st (&ncludmg transactions mode after th&s siatenient) Payment amounts &ri excess of your T0Lil Mtnnrt!rre Payment Due w&ll be applied to balances w&th higtie& APRs befo&e balan«as with lower /LPRs IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When using tlic optional Pay by-Phone service, you authorize irs to initiate an elec!roni«payment from yout account at rhr fmnnmal institution you clesignate you must..iuttiorize the amount and timing of r arh p yment For your piot ction, we ivig Jsk for secuiity infoimation. A F e may apply foi expedited se vier. To cancel call u'efote fhe srheduled pay&twtit dale Sutne-day paym:nrs «,&nnnt be edited o caner lr d YOUR CREDIT LINES - 'Ihe Total Credit Lni& is the amount of credit avsilablr foi rhe account however, only J poiuon of that is available fm Rsrik Cash Arlisnrrm '0, CasliCreait Line i tliil amoum yorihave sea&fable for b.ink L,ish Adwsnc ". Ceno ally, Bank Casli Advan«es «onsrst. oi ATM Cash Advances, Ove& the Counter (OTCI Cash Advances, Same Day Online Cash Advances, Overcl&aft Piotect&on Cash Advances, Lash Fqulvalenls, and apphcable t&ansact&on Fees. MISCELLANEOUS Promotional pate Fnd Date This date is hosed one rir!0& sr JLeii&en! r I srr&g da! If you r lisege ym&r psymen! «Iue Jrr!e, Ihi d,&te couI'I r harige Tlie New Balan«e Total whirh appeai s on th&s sr&Lament is not a psyufF srt uunl Jnd may be ubject to arid&t&orial rntr st clio&be when you pay m full after yaur sl.iternent closing date Please «or&tact the co* tomer erv&ce i b lo« red on the front of this stair mrn: fo& 0&pay OH amount V tuel ra . r, r"r* .»;-, ri m of yon «le I!e &by &ca& ci .It LJ desi &rid w !'1&&1 r. I 6 : J 1 w ' ' «" 2016 Barw of Ame & a Co&porst& n CALCLILATION Ot BALANCES SUBJECT TO IN IEREST RATE Ave&ape I) iily Bal incr. Me!nor& hnclird ng r eer Pui ci,ises) We caiculatr sepaisir Balance,5uLI !r ", an inta &mt Rst ~ f i Pu &hase ana foi ach Intioauctniy or Piunr&t. ina&L:fh Is lance cnnsi ung ol purchases We do this by ! I) calcula&trng J cLirly balance fni ascii d y m the billing eyrie, fpl *dclirip ag tlir daily Isa&arices trigetlie, anii (3) dwiding!he ursi of!he daily &salanccs by tlie numb«i oF days n rls 6 Bing r.yr.le lo «rlcula! Lhe daily balsnr'or Jcl day n this ststr men!5 billing cycle, we (ii I ike tlw beprnn&ng ha&one, (2) arid Jn Jmounr r qual to !lie rrppl&«able Da ly Periodir. Bate rz ~ tripkr d by the previous day's daily balance, (3) sdd new Pur«tiases, new Ac«aunt F". s, .ind new T an«act&on Foes, and (0) subti oct Jppli«able psymrnts and ciedi!s If any doily balance &s less !ban zero we ti en! rt as zero Average Balanre Mar lion (in&iud np new Balance Tran* feis and new Cash Advert«as) We calculate sepai are Ra&eric»s Sublect Lo an Inteiesr Rate for Balance Transfeis. Ca 6 Advance;, snd foi each intioductoty ni Ptoizouonol Offei balance consi !ing of Bslince 1i!insfei s or Les!i Advances We do this by (11 calculating a ds&ly balance for ascii day in th&s statement's b&ging «yrle (2) calculating a da Iy balance foi ear h day pi i or to this sr Jtement's billing cycle tlmt had J "Pe Cycle balinc " a Pie Cycle balance isa Balance Trunsferoi a Ca"i Advan& vnth a & snsic!ion date prier to rli s starr ment's b&lhng cycle but with a pustir&g date with&n th&s sta!ament's 6 Ihng rycle, (3) adding JR the daily bai,1nr.es toga!br: . 01'rs fW d&v 0 ng the sum of the dsrly balances Isy the rivi&&be& of day in tli set.,srr*meritg biging cycle To calculate!he daily hei»ce fur each day n rhis statement.'s billing ryclg we. I I) take the bep riri ng bslarx e, i2) add an ms&ouni equal to Lhe applicable Daily , cr&od r Bstr it»ltipl&oct Liy!tie pr v&ous dsy's dnily balance, (3) sdd new I'alancc Trans&ers *vie &» AJvance rind Trnnssrtion I ees, and (0) sul&rrnct apphcable,pnymcutr .&&r, «r. 0 ts II any &11&ly bslanc rs less than z 0 we trent It as zero To calr ulate 0 daily balance foi each day priot to this statement's billing eyrie that had 0 Pre Cycle balarx.e (I ) we take the beginning balance attributable sol ly ro Pir--Cycle 6, l»c fwli ch w&ll be zero 0&1 Lhc. Lit&&ILJctron date oF thr Fi st pi I yr lc sa 1 ir. 2, Jdo an 1 1'm&nt qusi !u!he apph&able Da Iy I'a&iodir R ite niulti& l&od ' the p vious Iay5 dmly Isalance, (Ji and add orily thea plirnhle f' Cy I Jsl;icc at d therr elated T&an actiot& I e" We exclude: from!Ii .. cshul&t nn ap r. &nese tions post ri in prev ous bghng cyclr s fn &I& rmu; I !, !r rim r n&r; I you,srnur t, cnnsult your Cr dt Rank ol Anx r&0 1,&:cpsrr: ed rr, dr m, k of Bank of Amer&ca (n&pnratiori PAYMENTS. wee t » I d payment . of thedste ece red, '!heoopienr: .Oihly J.,rene ! Iz pad v rhe cli ckd aw U'el&J sons LIS f nosl &tt t, Lla dollarmon y de a dO&se r nthe I » I pe tho lythe «»tt. capo& nofyo tateme tocconp y 0 I pay Is cesedbyma &of&a p m roc I t 1 e st the mnl tra ce sd«l ess one y dsy crud nk the paymenr Due Date hut r 1& othe» &e set the Jt&J e eq * I& ma ben &&red s of th n !day psyme ts d I eo byphonewllb dt dssof the dateof ecept I ade bys pm C t I C e It I «y th payment" nay bedelayeduptof& e days Ca hp ym* t. mode sv,r& 0 t 0 ~ ATM r h TellerA&s&st&ATAI r 0 only b Jc ePt d the»id N poymr 0 st&il I Jteos 0 accord- d au facto w&rtiout tire p r« tt spp oval p ce&s i 0 myme r checks ewer os col y by» T th for 1st, f d r»i you rk -pape 0 sfr& F na ay be» thd.":,f o. 7,», co»noes&. 1 tne If yo have au&ho red topsyyou wed t dull to .t cally& omyo g.o check ng account vsth us. you «an stop the payment on any amount you thmk Is wrong To top payment,your lette must reach 1 vt least tlvee bv mess days before the automatic payment scheduled to 0«cu If you t»p g add .« o t. t nfo at h. hang d. o if your odd Add&res I Aocl css 2 /p Area Codefk Work Phone 314 0/1RK 4 M" STRFSSA I Arr&vm -'* ~~~9/I'2 '&Y )/ &vie 7! ?iriB 1 I'ansacttol'ls Tl 111&aICilan D&ie 06/23 Pa ting D it 06/25 Descnpticr Fees LA'IE FF I I-I;R P/IYMF 'l I DLE TOTAL FEES FOR 1HIS PERIOD Rctereiiie Nu. i' Accourii NU Il Cl O'82 Al Ic uni 38 00 $38.00 06/26 06/26 06/26 06/26 06/76 06/26 06/26 06/? 6 Interest Charged INTERFST CHAftGLD ON f 'LIRCIIA,LS INTEREST CHARL ED ON UALAICLI. I R/INSI I RS INTEREST CHARGCD DN DIR DLPB,CHK CASHADV INTEREST CftARGCD ON BAN)( CASH ADVANCES TOTAL INTEREST CHARGED I OR fHIS PERIOD 14321 0.00 0.00 236 25 $379 46 Total fees charged in 2010 $6'14GD Total interest charged in 2018 $ 1,650 93 interest Charge Calculation Your Annual Percentage Rate (APRt is itic anru&i i&terr&i i &ir- an your arcount Type of Balance Annual Percentage Rate Pronlotional Transaction Type Promotional OFfer ID Promotional Rate End Date Balance Subject to Interest Rate Interest Charges by Transaction Type Purchases Balance Transfers Direct Deposit and Check Cast& Advances 13 )49 V 24C V 18491'/ 5 17.73537 5 000 0 00 5 14'I 71 5 0 013 5 000 Bank Cash Advances 20 /41 5 13,411.85 5 23625 APR I ype I eiin ii cc; Doi y inca ": ioi. i y,, V Impoi tant Message .. You'e 4 valued customer and we want yoi& to know that we haven t teceived yout current payment due Ptease end your payment due today If you'e already mailed it, thank you Your statement balance exceeds the 1 otal Creclit Line To en ure un nterrupted u e of yaui account, plea e make a payment to bnng your balance under the Totat Credit Line There i no fee far being over your Tot.&l Credit Line You are currently over your Cash Credit Line While ttiere is no fee for being aver your Cash Credit. Line, your Card cermet be used far Bank Cash Advance transaction. until a payment i ieceived that bnngs the balance betow your Cash Credit Line When this statement wa" created, the account's Credtt Line was in a restricted status and not available for use Psg 3 of 4 315 MR2(R ¹5 Ri',RRI R;,:. r - ~gg~'262 f M... 2/ 2 (ne 24 2018 This page intentionally left blank P 1, Roid 316 ARK A MESTRESSAT I I Account x--- 9382 | ay 7 vju e, hi o age 4 f Ojb BankofANterica ~W April 7, 2009 Important information regarding your account. RE: Your credit card account ending in 1443 Dear Mark A Mestressat: Thank you for being a valued customer. We appreciate the opportunity to serve you. We periodically review our customers'ccounts to ensure we are offering each cardholder the most appropriate credit line. In some cases, we discover we have extended customers more credit than they are likely to use or need Given the size of your credit line and the way you have historically used your account, we have adjusted the credit line on your card to $11,000. This new credit line still gives you the flexibility to handle day-to-day spending and unexpected expenses. In addition, you continue to enjoy a range of valuable benefits, including 24-hour fraud monitoring with zero liability for fraudulent charges. It's a good idea to review your credit reports periodically. Our decision was based in part on information provided by the following credit reporting agency. You may obtain a copy of your credit report by contacting TransUnion, Consumer Relations - East, P.O. Box 1000, 2 Baldwin Place, Chester, PA 19022, or you may call them at 1.800.888.4213. If you have questions or need assistance with your account, please call 1.800.726.5628, Monday through Friday from 8 a.m. to 5 p.m. Eastern. You can also manage your account online at www.bankofamerica.corn Again, thank you for allowing us to serve you. We look forward to continuing to meet your credit needs Sincerely, Card Services Please see the important notices on the reverse page. : .:PLAINTIFF'B'.. EXHIBIT FAIR CREDIT REPORTING ACT The credit reporting agency indicated in this letter did not make the decision to take adverse action and is unable to provide you with the specific reasons why this action was taken. You have the right to obtain a free copy of your consumer report by contacting the credit reporting agency within 60 days from the date of this letter. You also have the right to dispute the accuracy or completeness of any information in your consumer report. EQUAL CREDIT OPPORTUNITY NOTICE The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (prowded the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with the law concerning FIA Card Services, N.A., 1100 N. King Street, Wilmington, DE 19884 is the Office of the Comptroller of the Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3450, Houston, TX 77010-9050 BankofAmerica ~i June 2010 RE: Your credit card account ending in 2777 Dear Mark A. Mestressat: At Bank of Americas, we are committed to providing you with clear, timely information you can use to make decisions about your account. You have asked for more clarity in our communications, and we want to ensure you understand the enclosed changes we are making to your Credit Card Agreement. These changes are referred to as Amendments. Please carefully review the second page titled Amendments fo Your Credit Card Agreement for complete details and the dates these changes go into effect. We have also included a summary paragraph ("What Is Happening") directly above each Amendment. Below is a brief summary of the changes to your Credit Card Agreement: ~ Cash Advance Fees for overdraft amounts less than $10 will be eliminated: If your credit card is linked to a Bank of America checking account for overdraft protection, we will no longer charge a fee if the overdrawn amount is less than $10. ~ Arbitration will no longer be used to resolve new disputes: We are removing the Arbitration section from your Credit Card Agreement. This does not affect your rights if you think there is an error on your statement; please refer to the section titled Your Billing Rights included in this notice. You will also find enclosed the following information: ~ Your Billing Rights: This annual notice explains your rights and our responsibilities if you choose to dispute a charge on your bill. Information about disputing a charge is also available on the back of your statement ~ Annual Privacy Notice: This enclosed insert entitled "Bank of America Privacy Policy for U.S. Consumers 2010" explains how we collect and manage information about you and how you can limit the sharing of that information. ~ As a reminder, for your security, safeguards against illegal transactions are in place: Transactions in countries that are subject to certain economic sanctions or other restrictive measures (such as Iran and Sudan) will be blocked. Additional information and a full list of countries can be found at www.treas.oov/ofac. For each account you have with us (including closed or inactive accounts), you will receive a copy of the privacy policy and other relevant notices. We'e here to answer your questions-day and night. If you have any questions or need assistance with your account, please contact us by calling the toll-free number on the back of your credit card. Our experienced associates are ready to assist you 24 hours a day, seven days a week. To access your account online, please visit bankofamerica.corn. We truly appreciate your business and look forward to continuing to meet your credit needs. Thank you for being a valued Bank of America customer Beverly B. Ladley Borrowing Products Executive Bank of America Bank of Amenca and the Bank of Amenca logo are registered trademarks of Bank of America Corporation 0 2010 Bank of Amenca Corporation 3323869 601670492 1123 I'4 6 4l OEF000 3 PA 0r0 lx lirgkFBC027772777 0 June 2010 AMENDMENT(S) TO YOUR CREDIT CARD AGREEMENT Please read this document carefully and keep it with your Credit Card Agreement. Except as amended below the terms of your Credit Card Agreement remain m effect If there is a conflict, the terms in this Amendment will prevail. OVERDRAFT PROTECTION AMENDMENT What Is Happening: Cash Advance Fees for overdraft amounts less than $ 10 will be eliminated. If your account is linked to a Bank of Amenca checking account for overdraft protection, we will no longer charge a fee if the overdrawn amount is less than $ 10 Amendment to Your Credit Card Agreement: Effective as of August 7, 2010, we will not assess an Overdraft Protection Cash Advance fee for any overdraft protection transfer from this account to a hnked Bank of Amenca checking account, if we determine that your checking account is overdrawn by a total amount less than $ 10, after we finish processing for the day Please note: Overdraft transactions of $ 10 or more will continue to be assessed the Overdraft Protection Cash Advance fee for each such Cash Advance This change does not affect how we otherwise process overdraft protection transfers, as described in your Agreement. ARBITRATION AMENDMENT What Is Happening: Arbitration will no longer be used to resolve new disputes ansing under your Agreement, or any claim or dispute related to benefits or services provided in connection with this account As a result, we are amending your Agreement to remove the section titled Arbitration and Lifigalion and to remove references to Arbitration and Litigation in the sections titled When We Mey Require Immediafe Repayment and Benefits. Amendment to Your Credit Card Agreement: Effective immediately, we are removing the section of your Agreement titled Arbitration and Lifigafion and the references to Arbitration and Litigation m the sections titled When We May Require Immediate Repayment and Senefils Those sections are reprinted below, as amended WHEN WE MAY REQUIRE IMMEDIATE REPAYMENT If you are in default, then in addition to our other remedies under this Agreement, we can require immediate payment of all or any portion of your total outstanding balance and, unless prohibited by applicable law, we can also require you to pay the costs we mcur in any collection proceeding, as well as reasonable attorneys'ees if we refer your Account for collection to an attorney who is not our salaned employee. Our failure to exercise any of our nghts when you default does not mean that we are unable to exercise those nghts upon later or continued default BENEFITS We may offer you certain benefits and services with your Account. Unless expressly made a part of this Agreement, any such benefits or serwces are not part of this Agreement, but are subject to the terms and restnctions outhned in the benefits brochure and other official documents provided to you from time to time by or on behalf of Bank of America VVe may adlust, add, or delete benefits and services at any time and without notice to you Notice regarding limitations on permissible use of your account: You may not use your account to conduct transactions in any country or territory, or with any individual or entity that is sub)act to economic sanctions administered and enforced by the U S Department of the Treasury's Office of Foreign Assets Control ("OFAC") Use of your card in those countnes, or other lunsdictions as may be determined by FIA Card Serwces, wiii be blocked EQUAL CREDIT OPPORTUNITY ACT NOTICE The federal Equal Credit Opportunity Act prohibits creditors from discnminating against credit applicants on the basis of race, color, religion, national ongin, sex, mantal status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant's income denves from any pubhc assistance program, or because the applicant has in good faith exermsed any right under the Consumer Credit Protection Act The federal agency that administers compliance with this law concerning this bank is the Office of the Comptroller of the Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3450, Houston, TX 77010-9050 3323869 901A irix92-1123 I'I-E-41-00 000-siPA-840-lx NA-8AEB-092777-27i7-0 YOUR BILLING RIGHTS Keen this Document for Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement If you thmk there is an error on your statement, write to us at: Bank of America Corporation P O. Box 15026 Wilmington, DE 19850 In your letter, give us the following information: ~ Account information: Your name and account number ~ Dollar amount The dollar amount of the suspected error. ~ Descriotion of oroblem. If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: ~ Within 60 days after the error appeared on your statement. ~ At least 3 busmess days before an automated payment is scheduled, if you want to stop payment on the amount you think is WI'0 ii 9 You must notify us of any potential errors in writino You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Hannen After We Receive Your Letter When we receive your letter, we must do two things: 1 Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2 Within 90 days of receiving your letter, we must either correct the error or explam to you whywe believe the bill is correct. While we investigate whether or not there has been an error: ~ We cannot try to collect the amount m question, or report you as deknquent on that amount ~ The charge in question may remain on your statement, and we may continue to charge you interest on that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. ~ We can apply any unpaid amount against your credit hmit After we finish our investigation, one of two things will happen: ~ If we made a mistake You will not have to pay the amount in question or any interest or other fees related to that amount ~ If we do not believe there was a mistake You will have to pay the amount in question, along with appkcable interest and fees. We will send you a statement of the amount you owe and the date payment is due We may then report you as delinquent if you do not pay the amount we think you owe If you receive our explanation but still believe your bill is wrong, you must wnte to us within 10 days telkng us that you still refuse to pay If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us If we do not follow all of the rules above, you do not have to pay the first $ 50 of the amount you question even if your bill is correct. Your Riahts If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the nght not to pay the remaining amount due on the purchase To use this right, ail of the following must be true 1 The purchase must have been made m your home state or withm 100 miles of your current maihng address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase continued 3323889 981A 78492-1123-Nl-E-41-00 000 3-PA-840 1X iiA 8AE0 892i77-2i77-0 If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Bank of America Corporation P.O Box 15025 Wilmington, DE 19850 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent 2010 Jsank of America Corporation As rights reserved 3323869 601A 70492 112--rsE-Jl-00-000-3-08-840 lx IJA 8AJ Ei 092777 2777 0 BankofAmerica + P.O. Box 53113 Phoenix, AZ 85072-31 13 Mark A. Mestressat 1455 Luning Dr. San Jose, CA 95118-2325 Important Consumer Notices and Other Changes to Your Bank of America Credit Card Account 3323868 601A A 7732 a f meri ”// . OX oeni , - ar . estressat i r. , - port t e oti t ha ou meri redit a cc unt 923 1A November 2010 RE: Your credit card account ending in 0877 Dear Mark A. Mestressat: BankofAmerica + At Bank of America, we are committed to providing you with clear information about your account. Enclosed are details about recent changes we are making to your Credit Card Agreement. Please carefully review the page titled Amendments fo Your Credit Card Agreement for complete details and the dates these changes go into effect. Below is a brief summary of changes to certain fees and terms of your Credit Card Agreement. For your convenience, we have included the previous terms as well as the new terms. Depending on how you manage your account, these changes will result in a reduction in fees, as shown below. Changes to Your Account Fees (see enclosed for complete details): ~ Late Payment Fee - If your total minimum payment is not received by your Payment Due Date, you will be charged a fee. Previous Terms $ 15 for balances $100 or less $29 for balances from $ 100.01 through $250 $39 for balances $250.01 and greater New Terms $0 for balances $ 100 or less $25 if you have not been late in the previous six billing cycles $35 if you have been late in the previous six billing cycles The Late Payment Fee will not exceed the total minimum payment that was due. ~ Returned Payment Fee - If your payment is returned for any reason, you will be charged a fee. Previous Terms $35 per returned payment New Terms $25; however, it will not exceed the total minimum payment that was due. ~ Returned Access Check Fee - If you make a transaction with an access check, and we return the access check unpaid for any reason, you will be charged a fee. Previous Terms $35 per returned check New Terms $25; however, it will not exceed the dollar amount of the access check. Changes to Optional Service for Bank of America Checking Account Customers (see enclosed for complete details): ~ Overdraft Protection Cash Advance Fee - If you have a Bank of America checking account linked to this credit card through our Overdraft Protection service and make a transaction that overdraws your checking account by more than $10, you will be charged a fee for each Overdraft Protection Cash Advance transaction. Previous Terms 3% of the transaction amount, minimum $10 New Terms $10 per Overdraft Protection Cash Advance transaction 3371453 9018 71621 1123 1'J 5 00 840 0/~ ZBJ 4099020020022542227333-:-8135 00790877VG877 0 Changes to Your Account Terms (see enclosed for complete details): Recurring Preauthorized Transactions - Beginning in November 2010, if we issue you a new card with a different account number or expiration date, we may attempt to make information available to any merchant you have authorized to charge recurring transactions to your credit card (such as cable or internet service). This will help ensure your recurring transactions are not interrupted; however, you should still provide the merchant with your new account information. If you have any questions or need assistance with your account, please contact us by calling the toll-free number on the back of your credit card. Our experienced associates are ready to assist you 24 hours a day, seven days a week. To access your account online, please visit bankofamerica.corn/onlinebankina. We truly appreciate your business and look forward to continuing to meet your credit needs. Thank you for being a valued Bank of Americas customer. Sincerely Beverly B. Ladley Card Products Executive Bank of America Bank of America and the Bank of Am ence logo are registered trademarks of Bank of A manes Corporation. 2010 Bank of Amenca Corporation 3371453 801A 71521-1123 n 5 00- li40 88ZP1 4 099 020 020 022 54 2 2 27 3 3 33-81 35 00 790877 V 0877 D Mark A. Mestressat RE: Your credit card account ending in 0877 BankofAmerica ~W I Important Changes to Your Account Terms The following is a summary of changes that were made to your account terms. These changes were effective on August 22, 201 0. For more detailed information, please refer to the page titled Amendments to Your Credit Card Agreement. Revised Terms as of August 22, 2010 Late Payment Fee Up to $85 Returned Payment Fee Up to $25 Returned Access Check Fee Up to $25 Overdraft Protection Cash $10 Advance Fee Overdraft Protection is an optional service provided for Bank of Amenca checking account customers. Bank of America and the Bank of Amenca logo are registered trademarks of Bank of Amenca Corporation. Oc 2010 Bank of America Corporation 3371453 8018 71521 1123 tt 5 00 sz0 8A211 r cc99ki20 020 022 5& 222733 3 3 Bl 3500790877V0877 0 AMENDMENTS TO YOUR CREDIT CARD AGREEMENT Please read this document carefully and keep it with your Credit Card Agreement Except as amended below, the terms of your Credit Card Agreement remam in effect. If there is a confhct, the terms in this Amendment will prevail. LATE PAYMENT FEE What You Should Know: If your total minimum payment is not received by your Payment Due Date, you will be charged a Late Fee The Late Fee will be $25 if you have not been late in the previous six billing cycles; $35 if you have been late within the previous six billing cycles. The Late Fee will not exceed the total minimum payment that was due. If your balance is $100 or less on the Payment Due Date, we will not assess a Late Fee. Amendment to Your Credit Card Agreement: Effective as of August 22, 2010, a Late Fee of $25 will be assessed if the Total Minimum Payment Due shown on your monthly statement is not received by us on or before its Payment Due Date. If a Late Fee was assessed any time in the pnor six billing cycles, then the amount of the Late Fee will be $ 35. The Late Fee will not exceed the Total Minimum Payment Due immediately prior to assessment of the fee. If your balance is $ 100 or less on the Payment Due Date, we will not assess a Late Fee RETURNED PAYMENT FEE What You Should Know: If your payment is returned to us unpaid for any reason, you will be charged a fee of $25 The Returned Payment Fee will not exceed the total minimum payment that was due. Amendment to Your Credit Card Agreement: Effective as of August 22, 2010, a Returned Payment Fee of $25 will be assessed if a payment on your account is returned for insufficient funds or for any other reason, even if it is paid upon subsequent presentment (if we elect to re-present the payment). The Returned Payment Fee will not exceed the Total Minimum Payment Due immediately pnor to assessment of the fee RETURNED ACCESS CHECK FEE What You Should Know: If you make a transaction with an access check and we return the access check unpaid for any reason, you will be charged a fee of $25 The Returned Access Check Fee will not exceed the dollar amount of the access check. Amendment to Your Credit Card Agreement: Effective as of August 22, 2010, a Returned Access Check Fee of $25 will be assessed if we return an access check unpaid for any reason, even if the access check is paid upon subsequent presentment The Returned Access Check Fee will not exceed the dollar amount of the access check. OVERDRAFT PROTECTION CASH ADVANCE FEE What You Should Know: if you have a Bank of Amenca checking account linked to this credit card to provide Overdraft Protection and make a transaction that overdraws your checking account by more than $ 10, you will be charged an Overdraft Protection Cash Advance Fee of $ 10. This fee apphes only if you are currently enrolled in our optional Overdraft Protection service or choose to enroll in the future, and it apphes to each linked chockmg account Amendment to Your Credit Card Agreement: Effective as of August 22, 2010, you will be charged a $ 10 fee for each Overdraft Protection Cash Advance, if your account is overdrawn by a total amount greater than $ 10 after we finish processing for the day RECURRING PREAUTHORIZED TRANSACTIONS What You Should Know: Beginning in November 2010, if we issue you a new card with a different account number or expiration date, we may attempt to make information available to any merchant you have authonzed to charge recurnng transactions to your credit card (such as cable or internet seance). This will help ensure your recurring transactions are not interrupted; however, you should still prowde the merchant with your new account information Amendment to Your Credit Card Agreement: Effective as of November 7, 2010, we are adding the following section to your Credit Card Agreement titled Recurring Preauthorized Transactions 33 71r53 501A 7152 I I I 23 i 4 5 00 840 BA2 I I 4 0c09 020 020 022 5r 2 2 27 3 3 3 3.. 81 35 00 700ii ii V 0077 0 Recurring Preauthorized Transactions Recurnng preauthorized transactions occur when you authorize a merchant to automatically initiate a transaction using your credit card on a recurring basis. If we issue a new credit card with a different number or expiration date to you, we may (but are not obhgated to) provide your new card number and expiration date to a merchant with whom you have set up a recurring preauthonzed transaction m order to continue your recurring preauthorized transactions. There vnll be circumstances where you will have to contact the merchant. EQUAL CREDIT OPPORTUNITY ACT NOTICE The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, mental status, age (provided the applicant has the capacity to enter into a binding contract) because all or part of the apphcant's income denves from any pubhc assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act The federal agency that administers comphance with this law concerning this bank is the Office of the Comptroller of the Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3450, Houston, TX 77010-9050. 3371453 8018 71521 1123 I'J 5 00 -8sGGAZI'44089 020 020 022 5422 27 3 33 3 .81 35 00780877 V 08770 Bank ofAmerica +'.O. Sex 53113 Phoemx, AZ 85072-3113 Mark A. Mestressat 1455 Luning Dr. San Jose, CA 95118-2325 Important Change(s) to Your Bank of America'redit Card Agreement 3371463 601A 003676 0000" C16646 271 A 1207 of meri ”\/\/ P.O. Bo oeni , - ar . estress t i r. - port t hange(s our merica® Cre i a gr ent 5 13 1A P 13678 ” £166 5 BankefAmerioa ~cd Mark A. Mestressat We'e changing some of the terms of your Credit Card Agreement. We'e summarizing the changes below, but be sure to revieW the detailed explanation in the Amendmcnts to your Credit Card Agreement (enclosed). You'l see changes go into effect as of June 25, 2011. We'e also including the annual Privacy and Billing Rights notices. gn»»»»&cvs»gplmthnenmc«LT Mark A. Mestrossat Credit card ending ee77 Date April 2011 Aeeount information bankofamerica.corn Summary Page Page 1 of 2 You msy get more than one copy of this notice. We'e providing this information for &.sch srrountyon have with us. We are not increasing your current Annual Percentage Rates (APRs). We are adding a Penalty APR to your account; however, as long as you continue to pay on time you will avoid the Penalty APR. If you Pay late we may charge a Penalty APR on new transactions. Your existing balances will not be sub)act to the Penalty APR. If the Penalty APR is applied to new transactions as a result of a late payment: ~ We will notify you 45 days in advance of the increase. ~ You can avoid the Penalty APR by not using your account for new transactions. ~ We will review your account periodically to determine if the Penalty APR can be reduced. As a reminder, any amount you pay over the minimum payment will be used to pay down your balances with the highest APRs first. Sign up for sisrts and reminders. You can avoid being late by sotting up payment and balance alerts at bsnkofamcrica.corn/onlincbanking, (Aicds arc not available for acc&nmts in Wasldngton snd idaho.) Your statement will ncw show four categories of transactions. In addition to Purchases and Balance Transfers, your statement will show Bank Cash Advances and a new category caged Direct Deposit and Check Cash Advances. See the table on the reverse side for more details, There's a limit on certain cash transactions. Initially, the maximum amount available for Bank Cash Advances will be 50'Ao of your total credit line. This limit is called the Cash Credit Line. We'l continue to review the credit lines assigned to your account. Example: Cash Credit Line le&,*s sssmn& an&atm»sr has a total credit linc of 86,000. They can usc up to 50% (83,000) for Iisnk Cash Advances. ~rr '&»& ~ &rnu g~ Carefully renew the following documents for more details on these changes and other information about your account (enclosed): ~ Amendments to your Credit Card Agrcc&ncnt explains what's changing in your credit card terms and when. ~ Your Billing Rights descnbes how we'l work with you to resolve any billing disputes. ~ (AS. Consumer Privacy Notice explains how we collect and manage information about you and how you can limit what information is shared. 10,000 total crc&ht linc X .F 83,000 cs,sh credit hnc Scc Yo&u statement fo& your spoc&f&c cr&xlit linc,. Questions? Please call us at the toll-free number on your statement or tho back of your credit card. 2726087 SGGIA71621-1123 DM29 PI 047 CCY&0 8408AZI40000Y29 99 YCCC Y Y X1 790877YG877 D Summary Page Page 2 of 2 ~ I iTS rn 1 nmnnT~fnttmgmt 1 e I u umrmrrav I I a rrm an Fl mnranmumymt rua lmnmd~llx a For a detailed explanation, see the Amendments to your Credit Card Agreement. APR CATEGORIES INCLUDES Purchases ~ Buying or leasing goods or services ~ Applicable fees Balance Transfers ~ Transferring funds to pay off debt to another creditor ~ Applicable fees Direct Deposit and Check Cash Advances (new category) Bank Cash Advances ~ Check Cash Advance - writing an access check ~ Direct Deposit - funds transfer to s deposit account initiated at the customer's request ~ Applicable fees ~ ATM Cash Advance ~ Over the Counter (OTC) Cash Advance - cash, money orders, wire transfers or traveler's checks from any fmancial institution or cash from a non-financial institution ~ Same-Day Online Cash Advance - an online funds transfer to a deposit account ~ Overdraft Protection Cash Advance - a funds transfer to a deposit account as part of an overdraft protection program ~ Cash Equivalents money orders or foreign currency from a non-financial institution, or bets, lottery tickets, casino chips, bail bonds, or person-to-person money transfers ~ Returned Payment including interest charges ~ Applicable fees Annual Percentage Rate Your APRs sro not inclcasulg as a result of tlus notice. Your culvcnt non promiltional APR for Cash Advances wdl bc applied to tho catogories; ~ Direct Deposit and Check Cash Advances Bank Cash Advances Thcsc catcgoncm and your spccihc APRs, vvi1l appear on 7'oui.'ll'st s tstclncnt 1111 ol'hel'unc 25, 2011. Overdraft Protection Reminder if you link&xi yonr chcckmg account to tlus credit card for Ovcrihaft Protection, thc hulds wo fr'ansfcr to cover'lm overdraft are considered Bank Cash Advances and mg bc subtracted h:om your Cs,sh Cl'edit Linc. Bank of America end the Bank of Amencs logo are registered trademarks of Bank of Amence Corporation. 0 2011 Bank of Amence Corporation 2726G87 SGG1A 71621 1123 DM29 I'J E-41 CC 00-846 8AZJJ GOO 0 Y 29 99 Y 0 CC Y Y X I 796877 V 8877 0 BaakefAmerica ~dud Mark A. Mestressat Credit sard ending 0077 Date April 2011 Account information bankofamcrica.com ~ tuyrTrn RTll Eel I nrrrr' ~r rrr&t~rr ~un I I I r. The following is a summary of a change that we are making to your account terms. This change will take effect on June 25, 20(1. For more information on this and other changes, see Amendments to your Credit Card Agreement. iauuriraw:amrr Mflrrrrd'Mrdlrrrr Up to 29.99%, based on your creditworthiness. This Annual Percentage Rate (APR) will vary with the market based on the Pnme Rate. This APR may be applied to new transactions on your account if you: ~ Make a late payment How long will the Penalty APR apply? If your APRs are increased for this reason, the Penalty APR will apply indefinitely. Note How we calculate the Penalty APR Variable APRs are the sum of the Prime Rate and the margin. Prime Rate (moves up or down) + Margin = Variable APR Example Pnme Rate (as of February 28, 201.1) 3. 25% Margin (based on your creditworthiness) i up to 26.74% Penalty APR 29.99% If the Prime Rate changes Your Penalty APR will not exceed 29.99% 2726087 8001A 71621 1129 CM29 I'l C- AI-CC-OC 8(0 8AZIl 000 0-Y-29 99-Y-C-CC-Y.Y X-I 790877 V 0877-0 AMENDMENTS TO YOUR CREDIT CARD AGREEMENT BankofAmerica ~& Please read this document carefully and keep it with your Credit Card Agreement. Except as amended below, the terms of your Credit Card Agreement remain in effect. If there is a conflict, the terms in this Amendment will prevail. Mark A. Mestressat Credit sard ending 0077 Account information bsnkofamcrics,corn PENALTY APR AND WHEN IT APPLIES What You Should Know: If you pay late, we may charge a Penalty Annual Percentage Rate (APR). If this happens, we will notify you 45 days in advance. The Penalty APR would only apply to new transactions, not to your existing (protected) balances. April 2011. Amendments Page 1 of 3 Amendment to Your Credit Card Agreement: Effective June 25, 2011, we are adding the following sections to your Credit Card Agreement. PENALTY APR AND WHEN IT APPLIES The Penalty APR is the APR(s) which may be applied to new Purchases, Balance Transfers, and Cash Advances for certain default occurrences as described below. We may increase the APRs on new transactions up to the Penalty APR, based on your creditworthiness, each time a Total Minimum Payment Due is not received by its applicable Payment Due Date. We may elect to set your APRs for Purchases, Balance Transfers, Direct Deposit and Check Cash Advances, and Bank Cash Advances to different Penalty APRs. We will provide you with a minimum of 45 days'dvance notice. An increased Penalty APR will remain in effect indefinitely. Penalty APRs are variable rates calculated using the vanabic rate formula with a margin of up to 26.74 percentage points; this currently results in an APR of 29.99% (0.082164% DPR). The calculated Penalty APR using this variable rate formula will not exceed 29.99%. RATES FOR PROTECTED BALANCES When an interest rate change for new transactions is applied to your account, any existing balances of that type will be identified as Protected Balances on your statement. These Protected Balances generally are kept at their current APR until the balances are paid in full. HOW TO CALCULATE VARIABLE RATES (formerly titled Variable Rate Information) Variable Rates are calculated by adding together an index and a margin. The applicable margins are disclosed in the section of your Credit Card Agreement titled )nicrest Rates -Annual Percentage Rates (APRs). This index is the highest U.S. Pnme Rate as published in the "Money Rates" section of The Wali Street Journal on the last publication day of each month. The index used to calculate these venable rates is 3.25% and was published on February 28, 2011. An increase or decrease in the index will cause a corresponding increase or decrease in your variable rates on the first day of your billmg cycle that begins in the same month in which the index is published. An increase in the index means that you will pay highor interest charges and have a higher Total Minimum Payment Due. If The Wall Sireei Journal does not publish the U.S. Prime Rate, or if it changes the definition of the U S. Pnme Rate, we may, in our sole discretion, substitute another index. TYPES OF TRANSACTIONS What You Should Know: We are renaming some of the types of transactions that may post to your account. Your statement will now show four categories of transactions, each with a separate APR. We are not increasing any APRs nor are we impacting any existing promotional rates or transaction fees. 2726087 9001A 71621 1123 OM29-N-8 - 4I.CC.OO -840.8AZI'1.000 0 Y-29 99-Y-C CC Y Y X I 790877 V 0877 9 Amendment to Your Credit Card Agreement: Effective June 25, 2011, we are replacing the existing Cash Advance definition in your Credit Card Agreement with the following: Amendments P»,gc 8 of 3 A Cash Advance means the use of your account for a loan in the following ways: 1. Direct Deposit: by a transfer of funds via an ACH (Automated Clearing House) transaction to a deposit account initiated by us at your request. A Direct Deposit does not include an Overdraft Protection Cash Advance or a Same-Day Online Cash Advance. 2. Check Cash Advance: by an access check you sign as drawer. 3. Bank Cash Advance: by loans accessed in the following manner: ~ ATM Cash Advance: at an automated teller machine; ~ Over the Counter ("OTC") Cash Advance: at any financial institution (e.g., to obtain cash, money orders, wire transfers, or travelers checks) or at any non-financial institution to obtain cash; ~ Same-Day Online Cash Advance: by a same-day online funds transfer to a deposit account; ~ Overdraft Protection Cash Advance: by a transfer of funds to a deposit account pursuant to an overdraft protection program (see the section of your Credit Card Agreement titled Overdraft Protection); ~ Cash Equivalents: by the purchase of foreign currency, money orders or travelers checks from a non-financial institution, person-to-person money transfers, bets, lottery tickets, casino gaming chips, or bail bonds with your card; ~ Returned Payment: for any payment you make to us that is returned to us unpaid for any reason, including the related interest charges. Cash Advances include Transaction Fees and adjustments associated with any Cash Advance. All Bank Cash Advances are subject to the Cash Credit Line, For more information on credit lines, please refer to the section within this notice titled Credit Availability. CREDIT AVAILABILITY What You Should Know: We are introducing a separate credit limit for Bank Cash Advances (as defined in this notice under the heading Types of Transactions) initially, the portion of credit available for Bank Cash Advances will be 50'Yo of your Total Credit Line as of June 25, 2011. This Cash Credit Line will appear on your billing statements that aro created on or after June 25, 2011. Also, we clarified the section that addresses our right to refuse transactions on your account. Amendment to Your Credit Card Agreement: Effective June 25, 2011, in order to implement the Cash Credit Line, we are replacing the existing sections of your Credit Card Agreement titled Your Revolving Line, What We May Do lf You Exceed Your Revolving Line, and Refusal To Honor Your Account with the following: YOUR REVOLVING LINES This credit card has no pre set spending limit. This does not mean that all transactions will bo approved. We will consider transactions for approval on an individual basis, including transactions m excess of the revolving line. Your revolving ime, which may also be referred to as your Total Credit Line and Cash Credit Line, are disclosed to you when you receive your card and, generally, on each monthly statement. The Total Credit Line is the amount of credit available for the account; however, only a portion of that is available for Bank Cash Advances. The Cash Credit Line is that amount you have available for Bank Cash Advances. ) he amount of credit available in your Cash Credit Line will never exceed the amount of credit available in your Total Credit Line. We may change your revolving lines from time to time. We base that decision on a variety of factors such as your payment and transaction history with us, and information we receive from third parties, including credit reporting agencies. The amounts shown on your monthly statement as available credit do not take into account Purchases, Balance Transfers, Cash Advances, interest charges, fees, any other transactions, or credits which post to your account after the Closing Date of that monthly statement. 2726087 6001A-71621-1123 DM29 N C ri CCC0-840-8AZN-OOO-C-Y.29 Or! AY-C CC Y Y X I 7908TZ-V-0877-D WHAT WE MAY DO IF YOU ATTEMPT TO EXCEED YOUR REVOLVING UNES The no pre-set spending limit feature does not mean that all transactions will be approved. All transactions will be considered on an individual basis, including those exceeding your revolving lines. Amendments Pago 3 of 3 Each time you attempt a transaction which results in your applicable outstanding balance (plus authorizations) exceeding a revolving line, we may: (1) permit the transaction without raising your revolving line; or (2) refuse to permit the transaction. If we refuse to permit the transaction, we may advise the person who attempted the transaction that it has been refused. If we refuse to permit a Check Cash Advance or Balance Transfer, we may do so by advising the person presenting the Check Cash Advance or Balance Transfer that credit has been refused, that there are insufficient funds to pay the Check Cash Advance or Balance Transfer, or in any other manner. REFUSAL TO HONOR YOUR ACCOUNT We may deny any transactions for any reason at our discretion. We are not liable for any refusai to honor your account. This can include a refusal to honor your card or account number or any check wntten on your account. We are not liable for any retention of your card by us, any other financial institution, or any provider of goods or services. OVERDRAFT PROTECTION What You Should Know: We are modifying terms in the section of your Credit Card Agreement titled Overdraft Protection. Keep in mind that Overdraft Protection Cash Advance transactions will now be subject to the Cash Credit Line. Amendment to Your Credit Card Agreement: Effective June 25, 2011, we are making the following changes to the section of your Credit Card Agreement titled Overdraft Protection: ~ We are replacing the words "credit limit" with "Cash Credit Line." ~ We are replacing the words "available credit" with "Portion of Credit Available for Cash." EQUAL CREDIT OPPORTUNITY ACT NOTICE The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status. age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income denves from any public assistance program; or because the applicant has in good faith exercised any nght under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this bank is the Office of the Comptroller of the Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3450, Houston, TX 77010v9050. 2726887 SGGIA 71621-1123-DM29 N C 41 CC 00 8484AZN.GGG-O Y 2999 Y 0 CC Y Y X 1 74887( V 8877 D YOUR BILLING RIGHTS Keen this Document for Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do lf You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Bank of America P.O. Box 982235 El Paso, TX 79998-2235 In your letter give us the following information: ~ Account information: Your name and account number ~ Dollar amount; The dollar amount of the suspected error ~ Descriation of oroblem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us: ~ Within 80 days after the error appeared on your statement. ~ At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors ~in writin . You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. Note: It is very helpful if your letter includes the transaction date and the reference number for the c ha r go, if avails hie. What Will Herman After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you thatwe received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error. ~ We cannot try to collect the amount in questron, or report you as delinquent on that amount. ~ The charge in question may remain on your statement, and we may continue to charge you interest on that amount. ~ While you do not have to pay the amount in question, you are responsible for the remainder of your balance. ~ We can apply any unpaid amount against your Total Credit Line. After we finish our mvestigation, one of two things will happen: ~ If we determine there was a mistake. You will not have to pay the amount in question or any interest or other fees related to that amount. ~ If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is duo. We may then report you as delinquent, including to credit reportmg agencies, if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must wnte to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 2726087 6001A 71621-1123 DM29 N E-zl CC QO .840 8AZN 000 0 Y 29 99 Y C CC Y Y X 1.790877 V 0877 D Your Riahts If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Notes Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Bank of America P.O. Box 982235 EI Paso, TX 79998-2235 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will inform you of our decision At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. rar 2011 Bank of Amenca Corporation. AG nghts reserved. 2726G87 SGGIA-71621-1123 DM29 N E rrl CC 00-840 BAZN GGG 0-Y-299a-Y-0-CC-Y Y-X I 790877 V G877 D BankofAmerica ~~ P.O. Box 53113 Phoemx, AZ 85072-3113 Mark A. Mestressat 1455 Luning Dr. San Jose, CA 95118-2325 Important Consumer Notices and Other Changes to Your Bank of Americae Credit Card Account 2726087 OOOIA P05225 0000'*-014357 0 4118 A 243 BankofAmerica ~up Mark A. Mestressat Credit card ending es77 pate Junc 2012 Mark A. Mestressat: Your Billing Rights and annual Privacy notice information are enclosed. Aeeount Information hankofsmcrica.rom Summary Page Page iofi We provide these notices annually to ensure you are informed about your rights for this account. 'lit I ~ I I au I a ~l lr Carefully review the enclosed documents for your account: ~ Your Billing Rights describes how we'l work with you to resolve any billing disputes. ~ U.S. Consumer Privacy Notice explains how we collect and manage information about you and how you can limit what information is shared. Vou tnay get more then one copy of this notice. We re providmg this information for each account you have mtb us. fiuestions? Please call us at the toll-free number on your statement or the back of your credit card. This credit card program is issued aud admmistered by FIA Card Services, N.A. Bank of America aud the Bank of Ameuca logo are registered trademarks of Bank of Ameuca Corporation. 0 2012 Bank of Amecca Corporation 2/2924 SX1A 71621 1123-DM52-N-E-CC-OO 810 N Y Y-000 C2 20100612-790877-0877-D YOUR BILLING RIGHTS Keen this Document for Future Llse This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Bank of America P.O. Box 982234 El Paso, TX 79998-2234 In your letter give us the following ~ Account information: ~ Dollar amount' Description of orobiem: information: Your name and account number The dollar amount of the suspected error If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us: ~ Within 60 days after the error appeared on your statement. ~ At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors ~in writin . You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. Note. It is very helpful if your letter includes the transaction date and the reference number for the charge, if available. What Will Haunen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: ~ We cannot try to collect the amount in question, or report you as delinquent on that amount. ~ The charge in question may remain on your statement, and we may continue to charge you interest on that amount. ~ While you do not have to pay the amount in question, you are responsible for the remainder of your balance. ~ We can apply any unpaid amount against your Total Credit Line. After we finish our investigation, one of two things will happen: ~ If we determine there was a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. ~ If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent, including to credit reporting agencies, if you do not pay the amount we think you owe. If you receive our explanation but still beheve your bill is wrong, you must write to us within 10 days telkng us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of thc amount you question even if your bill is correct. Your Riuhts If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card and you have tned in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase puce must have been more than $50 (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the critena above are mct and you are still dissatisfied with the purchase, contact us in writing at: 27292Z SGG18-71621 1128 DM52-PGE-CC-00-GzG Pl V Y-GGG-C2 281GG612-799877-8877-0 Bank ot'merica P.O. Box 982234 El Paso, TX 79999-2234 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will inform you of our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 2012 Bank of Amenca Corporation. AG nghts reserved. 27282r 8001A.71621 1123 DM52 9 E-CC.CO-BrrG-rf.r Y 000 02 20100612-780877-0877 D BankofAmerica ~M P.O. Box 53113 Phoenix, AZ 55072-3113 Mark A. Mestressat 1455 Luning Dr. San Jose, CA 95118-2325 Important Consumer Notice(s) For Your Bank of America'redit Card Account 272924 0001A P0037L 0000- -P00993 L 1997 A 243 a f meri *3?“ . oeni , 8 2- ar . estressat r. , 2 port t o er oti e( our merica® Cre i a cc unt 15001A 00**« 58 Mark A. Mestressat 1455 Luning Dr. san Jose, CA 951 I8-2325 Beginning in December 2013, some of the terms of your credit card are changing. Please look below for a brief overview of what's changing in December. These changes will only affect you if your monthly payment is late or if you just make minimum monthly payments. For more detail about each change, see the enclosed materials. What you need to know Your Current Payment will now be at least $25, unless your balance is less than 525. The Current Payment is part of the minimum payment you must make every month. You can find your Minimum Payment Due on the first page of your credit card statement. We'e updating language in your card agreement to clarify how payments are applied and the use of your account with a smartphone or other mobile device. How we can help If you have questions about these changes or would like help with credit card payments, please call us at the number in the upper right corner of this notice. We'e happy to help. Mark A. Mestressat Credit card ending 4923 Date September 2013 Account information bankofamerica.corn Customer service 1.800.732 91 94 Summary Page Page 1 of 2 Vou may get more than one copy of this notice. Sorry for the extra paper, but to be safe, we send a notice for each account you have wil.h us. Want to make sure your payments are on time? It's easy to set up monthly credit card payments online at bankofamerica corn or sign up for Alerts that remind you when your payment rs due 2823650 5001A-73546-1123.DMBB-N.EN-840-7-240-Y 54-099-BAZN-00-22-734923-4923-243-A1-01-D Page 2 of 2 More details about your current payment We'e providing additional information below to make sure you understand how this change affects your credit card account and to help you make informed decisions. Understanding the change to your Current Payment Even though we'e raising the minimum amount of your Current Payment to $25, the way it's calculated isn't changing. Your Current Payment is still 1% of your balance, plus late fee and interest charges. Your Total Minimum Payment Due includes your Current Payment and ag past due amounts. For example, if you have a $1,000 balance and there are no late fees, then $ 10 (1% of $ 1,000 balance) + 12 (14L99% monthly interest) $ 22 total In this example, since the $22 total is less than $25, you would need to pay at least the $25 minimum payment due. Keep in mind that when your balance is less than $25, your minimum payment due will be less than $25 as well. As always, Late Fees are never more than the Total Minimum Payment Oue. However, because the minimum payment due is increasing, some of your Late Fees may be higher than they previously were. In any case, a Late Fee will never be more than $35. This credit card program is issued and administered by FIA card services, N A Bank of Ameiica and the Bank of America logo are registered trademarks of Bank of Amenca Corporation o 2013 Bank of Amenca corporation 2823650 3001A-73546-1123-DM88-NCEN-840-7-240-Y54-099-8AZN-OD-22-734923-4923-243-Af-0 I-D BankofAmerica ~du $tufrTTs iFTtl KHrerll5TtaVii&'~li~ ant I I 4 Total Minimum Payment Due The following is a summary of a change that we are making to your account terms. This change will take effect on December 26, 2013 and will first apply to the payment due in January 2014. For more information on this change, see the enclosed Amendments to Your Credit Card Agreement. Mark A. Mestressat Credit card ending 4923 Date September 2015 Account information bankofamerica.corn The Current Payment portion of the Total Minimum Payment Due will not be less than $25 (previously $ 15) for a statement period, unless your balance is below $25. Your Current Payment is 1% of your balance, plus late fee and interest charges, unless that amount is less than $25. If that amount is less than $25, the Current Payment will be $25. Your Total Minimum Payment Due indudes your Current Payment and alf past due amounts. 2823650 8001 A-73546-1123-D1488-N-EN-840-7-240-Y54.099-8AZN-O0-22-734923-4923-243-A1-sue 28236505001A-73546-1123-DM88-N-EN-840-7-240-Y54-099-BAZN-00-22-734923-4923-243-ANB1-023001 A-735 -1 1 23-D 88-N»EN-~ 0-T 4~ '8AZN-OO-22-~ 923< 23- 3- 1 - D BaiikefAmeriCa ~eye AMENDMENTS TO YOUR CREDIT CARD AGREEMENT Please read this document carefully and keep it with your Credit Card Agreement. Except as amended below, the terms of your Credit Card Agreement remain in effect. If there is a conflict, the terms in this Amendment will prevail. Mark A. Mestressat Credit card ending 4923 Account information bankofamerica corn September 2013 Amendments Page t of 3 TOTAL MINIMUM PAYMENT DUE Amendment to Your Credit Card Agreement: This change will be effective with the minimum payment that is calculated based on your balance for the billing cycle that closes on December 26, 2013. The change to your minimum payment will first apply to the payment due in january 201 4. TOTAL MINIMUM PAYMENT DUE You may pay your total outstanding balance at any time. Each billing cycle, you must pay at least the Total Minimum Payment Due shown on your monthly statement by its Payment Due Date. The Total Minimum Payment Due is the sum of all past due amounts plus the Current Payment. The Current Payment for each billing cycle includes three amounts: (Ii I.D{P/o of your balance {your New Balance Total except for any new interest charges and any new Late Feei, and {2j new interest charges, and (3j any new Late Fee Your Current Payment will not be less than $25. We round the payment amount down to the nearest dollar. The Total Minimum Payment Due will not be greater than your New Balance Total. If a payment is credited to your account but is returned unpaid in a later billing cycle, we will recalculate the Total Minimum Payment Due for the billing cycle in which the payment was originally credited. OTHER UPDATES TO YOUR CREDIT CARD AGREEMENT We are changing the section title in the current section titled, Calculation of Interest Charges, and are updating the language in the following sections to clarify how payments are applied: CALCULATION AND BILLING OF INTEREST CHARGES We calculate interest by multiplying each Balance Subject to Interest Rate by its applicable DPR and that result is multipked by the number of days in the bilhng cycle. Interest is calculated and posted to the applicable Purchase, Balance Transfer or Cash Advance balance on the last day of the billing cycle after all other transactions have posted and payments have been allocated. PAYING INTEREST When applicable, interest accrues daily and compounds daily on new transactions, and balances remmning from previous billing cycles. Interest will continue to accrue even though you have paid the full amount of any related balances because we include any accrued but unpaid interest in the calculation of each Balance Subject to Interest Rate. We will not charge you any interest on Purchases if you always pay your entire New Balance Total by the Payment Due Date. Specifically, you will not pay interest for an entire billing cycle on Purchases if you Paid in Full the two previous New Balance Totals on your account by their respective Payment Due Dates; otherwise, each Purchase begins to accrue interest on its transaction date or the first day of the billing cycle, whichever date is later. We will begin accruing interest on Balance Transfers and Cash Advances on the transaction date The transaction date for access checks is the date the check is first deposited or cashed The transaction date for a Returned Payment is the date that the corresponding payment posted to your account. 2823650 5001 A-73546-1123-DM88-N-EN-840-7-240-754-099-8AZN-00.22-734923-4923-243-AI-BI-D New Balance Total means the total billed amount as of the Closing Date of a billing cycle, as shown on your monthly statement Amendments Page 2 of 3 Pay in Full or Paid in Full means payments and credits in a billing cycle totaling at least your previous billing cycle's New Balance Total. Your Payment Due Date will be at least 25 days from your statement Closing Date and will fall on the same calendar day each month. HOW WE ALLOCATE YOUR PAYMENTS Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first. Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs. We are also updating language in your Credit Card Agreement to clarify the use of your account with a smartphone or other mobile device. We are updating the following definitions: Purchase means the use of your card or account number (including through the use of an enabled mobile device) to: Cash Equivalents: by the purchase of foreign currency, money orders or travelers checks from a non-financial institution, or person-to-person money transfers, bets, lottery tickets, casino gaming chips, or bail bonds with your card or account number (including through the use of an enabled mobile device); We are adding a new section to the Credit Card Agreement following the section titled, Types of Transactions: YOUR CREDIT CARD ACCOUNT AND YOUR MOBILE PHONE OR OTHER MOBILE DEVICES Smart phones, some tablets or other mobile devices (a "mobile device") can download, store, and/or access account information, for instance through a mobile wallet, that may enable you to use the mobile device to purchase goods or services, make a balance transfer, or make a cash advance. In certain instances, those transactions will replicate using your card to make a transaction on the internet with your computer. In other instances, the phone or mobile dewce will act as if it were a credit card itself Applications that enable your mobile device will have unique terms governing those applications. Read them carefully. Transactions made through those applications are governed by this Agreement When your credit card account information is accessible by your mobile dewce, it is important that you treat your mobile device with the same care you would your credit card. For example, you should secure your mobile device against unauthorized access Keep in mind, if you give someone your phone, or other mobile device, that can be the same as giving that person your credit card. We are updating the language in the following section: PERSONS USING YOUR ACCOUNT If you permit any person to use your card, access checks, account number, or other credit device with the authorization to obtain credit on your account, you will be liable for all transactions made by that person including transactions for which you may not have intended to be liable, even if the amount of those transactions causes a credit line to be exceeded. Authorized users of this account may have the same access to information about the account and its users as the account holders. We may send account matenals (cards, statements and notices) to any liable party, and that person will be responsible for delivering those matenais to the other liable parties and authorized users. Notice to any of you will be considered notice to all of you You may allow authorized users on your account in the following ways: (I ) by notifying us that you want someone added to your account as an authorized user; (2) by lending or otherwise intentionally making your card, account number, or credit device accessible to another; or (3) by any other ways in which you would be legally considered to have allowed another to use your account or to be legally prevented from denying that you did so. You must think carefully before you allow anyone to become an authorized user By doing so, you authorize the person to use your account to the same extent you can, including but not limited to makmg any Purchases, Balance Transfers, Cash Advances, and allowing others to use 2823650'80018-73546-1123-DMBB-NiEN-840.7-240-754-099-8AZN-Q0-22-734923-4923-243-AI-BI-D your account. Your account does not permit you to limit the nature or amount of authority you give to any authorized user and you will not attempt to do so. An authorized user's authority will continue until you both notify us that you are terminating the authority and you physically retrieve the card or other credit device Amendments Page 3 of 3 We are making the change to the Total Minimum Payment Due section because of a change in our business practice. EQUAL CREDIT OPPORTUNITY ACT NOTICE The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning FIA Card Services, N.A., 1100 N King Street, Wilmington, DE 19884, is the Bureau of Consumer Financial Protection, 1700 6 Street NW, Washington DC 20006. 2823650:50018-73546-1123-DM88-N-EN-840-7-240-Y54-099-BAZN-00-22-734923-4923-243-APBPD 2823650 5001A-73546-11 23-DM88-N-EN-840-7-240-7544199-8AZN-DD-22-734923-4923-243-Al -81-D3 A 1 ~ M8 -N-EN--840-T- Y ~0 ZN~OO‘22~~734923-4923~ 3- 1 ~B D AMENDMENT TO YOUR CREDIT CARD AGREEMENT What you need to know The name of the issuer and the governing state law related to your credit card are being updated Your credit card account will be governed by North Carolina and federal law, and the account will be issued and administered by Bank of America, N.A. You may continue to see references to FIA Card Seivices in some documents as we update our correspondence. Please continue using your card like you normally do. This notice does not change any interest rates or fees associated with your account. Amendment to Your Credit Card Agreement: Effective October 1, 2014, we are replacing a portion of the text in the section titled Your Contract With Us" and replacing the text in the section titled 'What Law Applies" with the foilowing, respectively: YOUR CONTRACT WITH US "We", "us", and "our", means Bank of America, N A., also known in future communications as FIA Card Services. WHAT LAW APPLIES This Agreement is made in North Carolina and we extend credit to you from North Carolina. This Agreement is governed by the laws of the State of North Carolina (without regard ta its conflic af laws pnnciples) and by any applicable federal laws. YOUR BILLING RIGHTS Keen this Document for Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find a Mistake On Your Statement if you think there is an error on your statement, wnte to us at Bank of America P.O. Box 9B2234 El Paso, TX 79998-2234 In your letter, give us the following information Account information; Your name and account number. Dollar amount Descnation of arobiern. The dollar amount of the suspected error if you think there is an error on your bill, descnbe what you believe is wiong and why you believe it is a mistake You must contact us Within BO days after the eiiai appeaied on your statement At least 3 business days before an automated payment. is scheduled, if you want to stop paymein on the amount. you think is wrong You must notify us of any potential errors ~in writin You may call us, but if you do we are nor required to investigate any potential errors and you may have to pay the amount in question. Note: it is very helpful if your letter includes the transaction date and the reference number for the charge, if available. (over, please) What Will Haooen After We Receive Your Letter When we receive your letter, we must do two things: 1 Within 30 days of receiving your letter, we must teil you that we received your letter We wrli also teil you if we have already corrected the error. 2. Within 90 days of receiwng your letter, we must either correct the error or explatn to you why we believe the bill is correct. While we investigate whether or not there has been an error: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge tn question may remain ort your statement, and we may continue to charge you interest on that amount While you do not have to pay the amount in question,you are responsrbie for the remainder of your balance. We can apply any unpaid amount against your Total Credit Line. After we finish our investigation, one oF two things will happen: If we determine there was a mistake: You will not have to pay the amount fn question or any interest or other fees related to that amount. If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent, including to credit reporting agencies, if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telhng us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must teil you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first. 550 of the amount you question even tf your bill is correct. Your Riehts If You Are Dissatisfied With Your Credit Card Purchases if you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this nght, all of the foliowrng must be true: I The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than 550 iNote Neither of these are necessary rf your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an Al M or with a check that accesses your credit card account do not qualify 3. You must not yet have fully paid for the purchase If all of the cntena above ate met and you are still dissattsfted with the purchase, contact. us tn wntrng at. Bank of Amenca P.O Box 982234 Ei Paso, TX 79998-2234 Winle we investigate, the same rules apply to tire disputed tvnount as discussed above After we finish our investigation, we wrli tell you our decision. At that point, ff we think you owe an amount and you do not pay, we may report you as delinquent. C'014 Bank of Arnenta Corporation Ail ngtrts reserved tNS-0 1 1 4 B7BB A NTt CC BankofAmerica ~de Mark A. Mestressat 1455 Luning Dr. san jose, CA 95118-2325 We'e changing some terms and updating the benefits of your credit card. Mark A. Mestressat Credit card ending in 6970 Date August 2015 Customer service 1.800.732.9194 Account information bankofamerica corn What you need to know Fee changes we want to make you aware of; ~ As of November 27, 2015, the transaction fee for Overdraft Protection Cash Advances will be 512. This fee applies only if you are currently enrolled in our optional Overdraft Protection service or choose to enroll in the future, and it applies to each linked checking account. You can reject the above change on or before November 26, 201 5 by calling I.866.300.5392. If you reject it, your account will be closed, and you'l need to continue making at least your minimum monthly payments until your balance is paid in full. All other changes in this notice will still apply. Summary page Page 1 of 1 Manage your accounts It's easy to set up monthly credit card payments online at bankofamerica.corn You may get more than one copy of this notice. We will send a notice for each accoum you have with us. ~ As of October 24, 2015, the Late Fee will be 527 if you haven't been late in the previous six billing cycles; the fee will be 538 if you have been late within the previous six billing cycles. ~ As of October 24, 2015, if your payment is returned to us unpaid for any reason, you will be charged a Returned Payment Fee of 527. Benefit updates: Effective November 1, 2015, we are making some updates to our credit card benefits to reflect the ones customers are using the most. Your specific benefit updates are outlined below: Going Awav Myconcierge'u Thank you for your business For more details see the enclosed materials. If you have questions about these changes or to order a copy of your Benefits Guide, please call us at the number in the upper nght corner of this notice. MyConcierge is a service mark of Lesconcierges, Inc This credit card program is issued and administered by Bank of America, N.A. Bank of Amenca and the Bank of America logo are registered trademarks of Bank of Amenca Corporation Bank of America, N.A. Member FDIC io 2015 Bank of Amcnca Corporation 1256582 8001A-00166305538-1123-D103-0000-N-EN-BI-DO-Y-Y-XXX-Y-N-Y-4.000-000-26-USA-P-6878-D 1256582.80018-00166305538-1123-0103-0000-N-EN-BNDD-Y-Y-XXX.Y-N-YA0000-000.26-USA-P-6978-0A-001 630 5384 123-D103- 0-N-EN-B1 -OO--Y-Y- X - ~ - ‘4- - - U »P- 78‘D BaftkofAmerica ~r ~ tMPTTI RTtl RefIRTII5Ms'~s-'YRRntm4au sr I k The following is a summary of a change that we are making to your account terms. This change will take effect on November 27, 2015. For more information on this change, see the enclosed Amendments to Your Credit Card Agreement. You have the right to reject the change to this transaction fee by calling us toll-free at 1.866.300.5392 by November 26, 2015. If you reject this change, your account will be closed, and you will need to continue to make your minimum monthly payments until your balance is paid in full. Mark A. Mestressat Credit card ending in 6978 Date August 2015 Account information bsukofamerica corn Rfm5 su s r r um: um u ~ 0~i ~ ila'aMX I9 l Overdraft Protection $ 12 for each transaction ~iIRTllksflRIIR~r~r'~il Stuslll The following is an additional summary of changes that we are making to your account terms. These changes will take effect on October 24, 2015 and are not rejectable. For more information on these changes, see the enclosed Amendments to Your Credit Card Agreement. These changes will go into effect even if you have rejected the change to the transaction fee above. fnslafmasustnmsw tiltefarlnaaaS'Xtfil Penalty Fees Late Payment Up to $38 'eturned Payment Up to $27 1256582.5001A-00166305538-1123-0103-0000-N-EN-81-00-Y-Y-XXX-Y-N-Y-4-000-000-26-usA-P-6878.0 Bankof America ~i AMENDMENTS TO YOUR CREDIT CARD AGREEMENT Please read this document carefully and keep it with your Credit Card Agreement. Except as amended below, the terms of your Credit Card Agreement remain in effect. If there is a conflict, the terms in this Amendment will prevail. We are making these changes because of a change in our business practices Mark A. Mestressat Credit card ending in 6978 Date August 2015 Account information bankofamerica.corn Amendments Page 1 of 2 OVERDRAFT PROTECTION CASH ADVANCE FEE Amendment to Your Credit Card Agreement: Effective as of November 27, 2015, the Overdraft Protection Cash Advance Fee will be 512. This fee will be assessed if your linked Bank of America checking account is overdrawn by a total amount of 512 or greater after we finish processing for the day. This amendment modifies the foliowing sections of your Credit Card Agreement the Overdraft Protection row in the Account Summary Table; the Overdraft Protection Cash Advance entry under Transaction Fees; and the Overdraft Protection paragraph under Miscellaneous. Reiection Instructions for Overdraft Protection Cash Advance Fee Amendment: You have the right to reject this change. To reject you must meet the following requirements: 1. Contact us. Call us toll free at 1.866.300.5392 to reject this change. 2. Deadline. If we do not receive your rejection by November 26, 2015, your rejection will not be effective and the change in this notice will apply ta your account as of the effective date Effect of Rejection: If you reject this Overdraft protection Cash Advance Fee Amendment, it will not apply to your account; however, your account will be closed as of the date we process your rejection and you will need to continue making your minimum monthly payments until your balance is paid in full As a reminder, if applicable, any accrued but unredeemed rewards or points will be forfeited upon account closure, and this account will no longer provide overdraft protection for linked deposit accounts. LATE PAYMENT FEE Amendment to Your Credit Card Agreement: Effective as of October 24, 2015, a Late Fee of 527 will be assessed if the Total Mimmum Payment Due shown on your monthly statement is not received by us on or before its Payment Due Date. If a Late Fee was assessed any time in the prior six billing cycles, then the amount of the Late Fee will be 538 The Late Fee will not exceed the Total Minimum Payment Due immediately prior to assessment of the fee This amendment modifies the following sections of your Credit Card Agreement: the Late Payment row in the Account Summary Table and the Late Fee entry under Account Fees RETURNED PAYMENT FEE Amendment to Your Credit Card Agreement: Effective as of October 24, 2015, a Returned Payment Fee equal to 527 will be assessed if a payment on your account is returned for insufficient funds or for any other reason, even if it is paid upon subsequent presentment (if we elect to re-present the payment). The Returned Payment Fee will not exceed the Total Minimum Payment Due immediately prior to assessment of the fee, and will never exceed the amount of the payment being returned. This amendment modifies the following sections of your Credit Card Agreement: the Returned Payment row in the Account Summary Table and the Returned Payment Fee entry under Account Fees. 1256582 60017i-00166305538-1123-0103-0000-N-EN-BI-OQ-Y-Y-XXX-Y-N-Y4-000-000-26-USA-P-6878.0 ADDITIONAL CREDIT CARD AGREEMENT UPDATE If you purchase lottery tickets in the United States with your credit card, it is now classified as a purchase and it is no longer subject to a transaction fee. The credit card agreement language which previously mentioned lottery tickets has been updated to: Cash Equivalents: by the purchase of foreign currency, money orders or travelers checks from a non-financial institution, or person-to-person money transfers, bets, lottery tickets purchased outside the United States, casino gaming chips, or bail bonds with your card or account number (including through the use of an enabled mobile device). Amendments Page 2 of 2 EQUAL CREDIT OPPORTUNITY ACT NOTICE The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part oF the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning Bank of America, N.A., 100 N. Tryon Street, Charlotte, NC 28255, is the Bureau of Consumer Financial Protection, 1700 6 Street NW, Washington, DC 20806. 1256582 6001A-00166305538-1123.D103-0000-N-EN-B1-DD-Y Y XXX-Y-N-Ya-000-000-26-USA-P-6976-D PROOF OF SERVICE I SUPERIOR COURT OF CALIFORNIA, COUNTY OF SANTA CLARA SANTA CLARA SUPERIOR COURT DISTRICT 3 RE: Bank of America, N.A. vs. MARK A MESTRESSAT, 4 CASE NO: 19CV356839 I declare that: I am a resident of, or employed in, Santa Clara County, California. I am over the age of eighteen years and not a party to the within entitled cause; My business address is: 7017 Realm Dr., San Jose, CA 95119 8 On April 14, 2021, I served the attached: 9 - PLAINTIFF'S PROPOSED TRIAL EXHIBITS on the interested parties in said cause, by placing [ ] the original; [X] true copy thereof enclosed in a sealed envelope addressed as follows: 12 MARK A MESTRESSAT % Fred W. Schwinn, Esq. 1435 Koll Circle, Suite 104, San Jose, CA 95112-4610 14 15 16 17 [ ] BY MAIL:placing the envelope for collection and mailing following our ordinary business practices. I am readily familiar with this businesses practice for collecting and processing correspondence for mailing. On the same day that correspondence is placed for collection and mailing, it is deposited in the ordinary course of business with the United States Postal Service in a sealed envelope with postage fully prepaid. [ ] BY PERSONAL SERVICE: I caused such envelope to be delivered by hand to this office(s) I 9 of the addressee(s), 20 [X] BY UNITED PARCEL SERVICE: I caused such envelope to be delivered by United Parcel Service for overnight courier service to the office(s) of the addressee(s), 21 22 [ ] BY FACSIMILE: I caused a copy of such document to be sent via FACSIMILE to:(~ 23 24 25 26 27 28 I declare under penalty of perjury under the laws of the State of California that the foregoing is true and correct that this declaration was executed on April 14, 2021 in San Jose, CA. Lt An. Irene Figueroa Page 1 ofl 1364892.001
