declaration of plaintiff in lieu of personal testimony at trial code

Cal. Super. - 1st Dist.September 21, 2020

File No. 19-118374 Robert Scott Kennard State Bar No. 117017 NELSON 8: KENNARD Street Address: 5011 Dudley Blvd., Bldg. 250, Bay G McClellan, CA 95652 Mailing Address: P.O. Boa 13807 Sacramento, CA 95853 Telephone: (916) 920-2295 Facsimile; (916) 9204682 10 SUPERIOR COURT OF CALIFORNIA, COUNTY OF SAN FRANCISCO LINIITED CIVIL CASE 12 13 14 15 BANK OF AMERICA. NA„ Plaintilf, Case No. CGC-19-579714 DECLARATION OF PLAINTIFF IN LIEU OF PERSONAL TESTINIONY AT TRIAL {CODE OF CIVIL PROCEDURE tl 98) 17 18 19 Defendant. 16 DAVID PATRICK GONZALEZ. Trial Date: September 28, 2020 Time: 930 a.m. Department: 206 20 I, Deborah Taro, hereby declare: I. I am over 18 years old and competent to make this declaration. I am an Oflicer of Bank of America, NA. ("DANA"). I am duly authorized to make this declaration, and because ofthe scope of my job responsibilities, I am a custodian of records and familiar ssith the manner and method by svhich DANA maintains its normal business books and records, including computer records of defaulted accounts. 26 2. BANA is a svholly~ssrted subsidiary of Bank of America Corporation and the successor-in- interest to FIA Card Services, N.A., formerly knossst as MBNA America Bank, N.A. ("FIA"). FIA gran»»out Page I Declaration ofPlaintifl'in Lieu ofPersonal Testimony at Trial (CCP tj98) 1.00 I ELECTRONICALLY F I L E D Superior Court of California, County of San Francisco 08/26/2020 Clerk of the Court BY: RONNIE OTERO Deputy Clerk was merged into and under the charter and title of BANA effective October I, 2014. 3. The contents of this declaration are taken from Plaintifl's business records. I have personal knowledge of Plaintiffs procedures for creating and maintaining these records. Such business records: (a) are made at or near the time ofthe occumme of the matters set 1'orth therein by persons with personal knowledge of the inlormation in the business record, or by a computer or other similar digital means, which contemporaneously records an event as it occurs; (b) are kept in the course of Plaintiffs regularly conducted business activities; and (c) it is the regular practiceof'litilf to make such records. 10 12 13 14 15 16 17 18 19 4. The books and records ofPlaintiff show that Defendant opened an account «4th BANA, or a predecessor-in-interest, for the purpose of'btaining an extension of'redit (thc "Account") and did thereafter use or authorize the use ofthe Account for the acquisition ofgoods, services, or cash advances in accordance wdth the customer agreement governing use of the Account ("Agreement"). Pursuit to federal regulations, periodic statements reflecting the amount due on the Account have been provided to the Defendant in the ordinary course of business. Further, Defendant has failed to make periodic payments as required by the A~ment. 5. The books and records of Plaintiff show that Defendant is currently indebted to Plaintiffon the 20 Account, known as account number 822 for the sum of$6,8(y2.58, and that 21 22 23 all payments and credits have been allow&. The last payment to the Account occurred on or about May 17, 2018. The Agreement also authorizes Plaintiff to recover from Defendant costs to the extent permitted by law. 25 26 27 28 6. Plaintiff also submits a copyf(copies) of the itemized statement(s) supporting the outstanding balance owed on the Account. True and accurate copies of the itemized statements are attached hereto and incorporated herein by reference. Since the date ofcharg~ff, there have been credits, pa&ments, or other adjustments in the net amount of$0.M, leaving a present balance of$6,802.58 tmtn»out Page 2 Declaration of Plaintiff in Lieu of Personal Testimony at Trial (CCP tj98) l.oo I due. o«dng, and unpaid. The exhibits attached to this declaration are true copies from PlaintilFs business records (save for any marking clearly made to redact certain information or any page numbers added at the request of PlaintifFs counsel) relating to the Account and were prepared in the ordinary course ofbusiness. 7. Wherefore, Plaintiffrespectfully requests that the Court enter judgment in favor ofPlaintiffand against Defendant David Patrick Gonndez in the principal sum of $6,802.58 with costs to the extent permitted by law. 10 12 13 14 15 16 17 8. On information and belief, and as an Oificer ofPlaintiff, any service ofprocess on the Declarant pursuant to C.C.P. $98(a) may be elfectcd pursuant to C.C.P. tj1987(b) by providing notice to PlaintifFs attorney, Nelson 8: Kennard, Attorneys at Law, 5011 Dudley Blvd., Bldg. 250, Bay G, hlcClellan, California 95652, «hich address I am informed is «ithin 150 miles of the place of trial. 'Ihe Declarant is thus available, thmugh counsel, to accept service ofprocess in accordance vi1th C.C.P. 1987(b) at the place(s) identified above for a reasonable period of time during the 20 days immediately prior to trial. 18 19 20 21 9. I declare under the penalty of perjury under the la«s ofCalifornia that the foregoing is true and correct and ifcalled as a itness I «ould competently testify, under oath, thereto. Given under my hand on; AUG D 7 2020 25 Declarant Name (Printed): Dcborah Taro Declanmt Name (Signature): Title of Declarant: Oflicer 27 28 awt tt»a;tl Page 3 Declaration of Plaintiff in Lieu of Personal Testimony at Trial (CCP tj98) 1.001 BankAmericard'ankofAmerica~a DatI0 PATRKK 00f IZALEZ December 12 ~ Jsrsasy 11. 2017 Assmoe dnrvnroom «««r tnnkngtnerk«svsv Mao etang Inmdrlss ter Pen k nf Aachro PEL Bm(~ 73 Paso TX TTESST EI Maa psynvnes lsr Peak nf Amerce P/k tkn TSTTtn 'llVminghsr DP bkkafkSTTTS Curlomer %onto'ETLMZI10 I IJIIL34ILg74 TEYy fsr« Balarce Total .„ Crerne Parr«eve Due Pllra Due Amoun\ $ 7v378 75 $239 00 .$ 192 00 Late pots«me wanang It «e do nm mesne your Tad Akrerssn Farmers by the date Ittvd abnVS. Tnu may here br Pay ~ tare tre Of IO tn $ 174N Ond Hns ApRs I«ay be ecrsssscl lsr to dls Psnsrt7 APR ct 29 99%. Tslal Mksn«sn peyvnsnl wsnlllvg If lou make arty dls Total ksavmum Permere caro Prnnd, ynu VSS Pay arse m inltreat arrl 4 VSS take ybu lanye to pay olf yma batarce frs evmvossr Teed thrsnssn Permsvm Due ....„........................ $431 CO Paymere Due Date .. 2/8/17 New Brsance Total $ 7.278 75 Total Crertt Uns ...........................$ 7,000 03 Tous Crsrsl Avadatts..........................,.$000 Cash Credl Une .................,......,..$2.100 00 Pcnxm rd Cravat Avssable tor Cash ........$0 00 Suet«mere tloeng Oste ...................1/11/17 Days m Brarrtf Cycm ..-.............................21 Prevvrsm Balneae ........................$ 7,110 73 Paymenla Ond Othrr Oedts .................. 0 00 Purchases and dsssbnsms ..............,.....0 00 Fees Charged 7 00 r orsy Ihe Total lans«vs« Pap«sot 22 Toms $ 18.784 00 It Icu vcssd llhs nlsrabon absss Crssm coretekng ssnscss, csa 18663005238. fsss 01/08 01/09 lATE fEE fOR PATMEIO OVE TOTAL FEES FOR TISS PERIOD Imsrsst Cnmgsd 01/11 01/11 NTEREST CHARCED Orl PURCHASES TOTAL RITEREST FOR TMS PERICO 0512 0512 37 00 131 02 $ 37.00 $ 131.02 0512 BANK OF AMERICA PO BOX IMI9 WIWINGTON DE 19885.50t9 v Tous klrvnasn Prov«ere Du!I ...„ PN/nore Dus Dele............................... $ 7.278 75 ........... 431 00 ..... 02/08/17 DATTTD PATRICK GONZALEZ 43l HICKORY ST SAN FRANCISCO CA 94102-SEED Enter tvhmsrd amount Q Crvrvs sn ev 4 rneae ores«re assess rv Snv« nvvvrnnsssspmvsv ar sovernve ov se «ress erm Nss avs s«em svvg «Ier HNr sr«su earners «'n« Id svlN«s~ntrrv fydPORTANT )NPOFIAM FIONA/30(/T THIS ACCO&x/T CEC203 Rae 11/td CUSTOMER TIPS FOR O5PUTED ITEMS Me&/ &mes den&cd cturfes ee Lrgcmite dwgrs du: &Le&orms nuy rxl n&ogn&e &e itnenuct beset ihpU&ing I &hug .. vr. n&orvnnd dvx pxi nrdy r civ dwgsen it&pc ever/cairn to rcschcde dsoslr «n" Ire neidwa 0/&ra ue mnchmt &x& noser par ues& ms and ras/y «S&hr /xr ASou&~ Ihi men&way I/xre ra/&ter mr) br Ixxrd &m foe m«pt u bAng unseen& ~ Iles ~ cndt posed sa ye«i accemuy phase lhm w to % dr/s 'lun pu due os Txr uefa under w xvomhdgvamX ht&rr kr du mcvovwx cndt sS pvs& ~ 4 Ihr charge ar xeaseu &mtandgar1 Oa&1 vmh cl'e penes ushruef Lo Let 1kuLore 4 mdt ure day Ad m& esse lhr dwgt It o Fosstk die Ik mnhexs ad rg amus avf slur a&mrs ue ox«ex I ~ unomn cov arsy/be orovsrd aas sante chryrs o vi&hrk ors Oe«a/lo&yc&L kvduorymar lovrw tenxtnndc&ahuto teax foreran S&uraeru en)au 0 you ee tet nv&nrd n Oahm gudhg a a anye rncd uimg de scb eaams on de hex d piUI I'rl anr & Cii gae I/S a isa yhlnt mnwlbcn 0 y&m flin) ul rnw ee yaw bdk y&m emd aedfy m ee 4& le Ihm 00 dvyl lAIt ue Sc&u Tme Brit Itldritual XL «M&4 Ihe Orle le probhm Ippteitd lo pnnenn year Mead nghts. EHHIHE (sore Bmsmg a amkbb la luvn a day. 1 dr/1 a seeL ud Ilovn pu to ~uw de most rr&we xovey an your x&orx EHOHE 9) Txsf&yakdlll I Fwlromot scnxeohur hnv desex&wert/cnrxc o/rterh) avrhtk lor lk &yergrhl w &Smum BAAL Ann gx)hg hgvhsrr, pd gas pgl Ms. If pxe Tx 1ppy0 SSven Sntrg Pleee IXLrh TOW Pbnnt. ACnamt Xxabet 1)u TRS)aded keuwt, Ilrrchmt stree, frutunku Bxe. Ouf Ref«can Ihmwn of dic ihpiard ovii eii spode dr&ax tgridmg foU& dnpuir. let&Lurid daltldOrcut «xh 0» mrr&hmt anf du mcntwx I nip&«LC m rxh bourne pour sxhdr di u&cxxrag do&snem xron oxk&dmg ides md &nda ~oahns &Creel Xd puit&gii rrtrn it&ripu x proof of aiv/ ital&&1. PAYING INTEREST ySc ad nx &twge eleeu an puthxcs cn &lu Lun sext«era 0 you pay dehcw Bdexe '441 h kg by Ihe Prvmcm Cse fhte. md /cu hal puf b hd by du frerou Pa/axvx Cur Bxc Wc ad bcgm &'wgeg etcvn& on Bdrxt Truubn mf (xh Ascents uv du uuvsexr& tote CALCULATION OF BALANCES SUBJECT TO INTEREST RATE kmrlx f)ai/ Bdexe Lh dna fmkvhg mw Pod&airs) SLC &akdrte sepexc $4rxes Snakc& I IO m ax i&mt 14e kr Plmhncs a 6 kr enh bxrcdur&oy cr pxnuocnd pcw h/exe ovenlr&g d p&r&hucs pm do 0mb/ fl) &dofxrsf l dld/ luhnct &or exh drr m da'Arg 4&4 Q) eceg 6 tht didv h4&xts xgcder evf 0) dvvsig pe sun ot eu daff bl'miss cs lhe rxrvxer d dan m de sdrg /ASC To &Ikilxt de &Mry Lime Icr txh dry h dm I&xtmtva'I burg &/&4 «e 11) Idc lht bc(reed byuxe Q) xx m erose coul e the esiubk f)ily Ocrudx &ku mvhus&x ty dnfvevxsu&hy'sdrtybtlme &3)«Inca p&nvu&cs new k&orsftraxdmw beoxtan fcts uid I~ I lilr/an esksth OCL iiti'tl aiid uecnl V my ihl/ bduxt o less &hei leo at lrcal a x lwo A&sr&Le Babnct Method pn& Lab&gaea Bdmt True&us and nr» Cxh advexeLS y e &rk&AL&r scoertr 144&sr& Snit& I io m annex Rrx fcr )Ldrxc Truvshra Cub Aha«&ex ux) kr cxh Lrooha &sry or povx&rsnd Cne bdextcwso ongd Bdrxr km ters tr Cuh A voxas ya da du by )1) &Lkdr&eg a dd/ bdexe Sn &env dry n dxs uxrawx 1 bxrg cy&1e, Q) cdo/xeg a 1st/ brlexe Lo ecch dry xur to Iho s&aurrmx I LA«g cych dut hx) a Tvre(xh bahace'-r Pir(nh tuhixe a ~ BAnce Tmshr x a Cash khexe men a ousx tun drre pire to dm s&ernma s 1&lag cy&4 ha san a poxeg due «xvxr pw 1&xraem I bceg &wl, o) eta'0 Il lk s&/1 )i&4«irl argadvw, eel 1 ~ ) 6«/eg &leo/i ot tte ddy bdexm Oy the sordo ol Aria ~i tl o nr&vmcm s bllng n&t To &dukcr peda/y bdmc kr ex h Cry LS dm ILL&came's txng cy&le nr 11) tde dw bvgvvvng bdmr QI «kf ei eruex roid tu the nxa&d/e fsrys Prmok lhtc mhxrad N tie fresnodr/'I drI/ bdexe 0) a/d rew Blaue Twx/t&L nea Cxh Aha/xm and I&aux&xn Fttl md I&I sidrsx& Ippfinne or) ixrti avd &&toes If my dry/ br&exco ltil dial I«O «e uex a x rw&L To &x&L/xc 1 dr ly bdexe kr era dry uxr 4 0'u uxramxy plednnt Lpx haf r P rCP1c bdrxe 11) we Ldc de brpxwg bdme puca/Lx/r sab ir 4 pn Cr&k bdaxt farxh ad te Ie a on dear«warn axe d pe tml pre(ynr txncn QI esf m eaorx c&bx e pe eckx e 0&6/ pesvfx Rxt evxgkd by de prtwoodrvI darr bduxe o& xd ed uty the xakxle P ef f&4 beeves ud Pee rrxrd busrnrm rtrs Wr tvchde Sun dm cck&drum Iil eesxann outed r pesovs b/sng &Tks TOTAL INTEREST OIARGE COMPUTATION a uvm& chrgrs x&ne e&d ee~ on 1 dary bxb. To dtwmou the buren ourgcs «e nxxavf exh Bdexc svbnn Ls lnmml Rxc by as epb&xfr fsr/I pcrxvk Rue ux uw ns&P nm/ls/m) b/ the maker d dhs In de bing cycle To dnnauu the omf bb&CLI Owgr fu Lk bdmg cydo «r rsf 0» priedc Fute bxnm& Owgrs &ogntm l f)dy pcnok lht eh &d&&fxrd by &hvfeg m kmsd ptncaugc 14&a by xs HOW WE ALLOCATE YOUR PAYMENTS Par«mesne dtxxrd ai pm tin bdex es V /cur x&orx hm bdexm wrh 6 If ir t OPRL «e ad &fo&xe du enure d you prpnwx &Oui e the Touf Mranun Pap«rat Dw to de k«cu OFR bdexes fin& )axbcsrg oeuxocru met stw dm 1&xenwx) pc&mere amxms h cecil 0/ yoe had Mr«tarn Pt/into T)SO nd bt epiitd lo &u4fxts wilh ngkf lplb 0&roe hhnrts ae/L loser Sfsb IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE wsxn Laegde cpocmd Pry byprnk strike you aocvuoe us e ax&dr an elsnromc Farae&X bCm yue Xon/X X &k 4WX&d en&i&trav yOu drs&TWe Tou mot audunre tie exact anf o/regalexh prymes& For your protccoon wr ad us loi so&ray mkmnrbmlbemr/edy kv eeedud sever To cree& &ry La before tte xledvbd prymeix ditc Sevedryprfaanu camot bc eikcd cr &xxCad YOUR CREW LINES The Tod Cnile )re h de mwue dmda aatdk kr &k x&ou«L hnarwr orfy a fxrdm d du'. ll «abele Ln Beo cxh Asvrxls Tlu cash (/toa Uru b thx evu&rx you hne arvbtk sx Brh Cxh Ay&eius Crevndy Buo (xh k)ance& corab1 ol AIL& Cxh khm&m, (vcr ee Coetrr gÃCI Cxdi Afvexta Save Dr/Ocwe Cxh k)&exch C)vtaprh pmunxn Cxh AbeamCxh Cpovdca&L m) Xxa&rb e oeax&un Iles MISCELLANEOUS is&me&&and Rxt civ) oxt T)m dry o hued oii r f&si/t six ciiitiil &Lxeg dait If piU Ci&egt yxr Phmne dn dm lha &44 CO/d &hagr trod &edL or Ihr Agc d lrfn ot yisr rage/cphysr6 & ndc &e* Lxvtd cade& r VL)xd ink& For de coat/tro &cvrx ed c&vxkxvu o/ pxr xcoesconok youi Cud t Cxd lg acorn& Task&aux o OL&ed aid adnmound by Fl Cud Servers F)l Cud Sr«mes a a iegxtrvrd oahaws ot Rl ced St«em «dSe ru at Axn, PAYMENTS wc usda nwkd pe/mrrm x of ihc dxt maned V de per&ac&ah I U no wd ty 1 F m kcd &we x Iht ashts 1 sliovii Iri 0'c rwvmwxc slu Iei Iht him& tdyor m&vxpb 1&xivxac Q) pad m&h a da&1 groan r US do )es uv a U S fssax&dm&ossx«a C US dohr marry on!tv a&id 0 I Icrl ai de &tarn ti«CL trr avcv osS &k icnwxxt pollen ol foes&tunes& «&&«/ng e Prtnvaxs a&rasf )y mra aa» 5 p m hid &we x lb'nveuivr OIOCLL uv ~riy dr/ mhrfvlg Lht Pr axrI C&n 14« bJE Ihx o'/&i&asst iievl Iht Xevt n&anmxvx L «6 be &md/ed x af du mn dri prlncru rutr crke o LT shoe Lul bc &res&cd as or Ikdue oriwro& dmxhtr/S pm crrcrd (rent fu cry odxvprlmrnumrrbednrrcdloefvt deva cuh orvmcnu nwh w&OL nr h kvs u a M mth Tcacr /usa& &lhl rvl ovy bc accrotrd mdv a vsbt Arm/exam FC) Ho prymtnl shx ofmxt vs e' ord Iml seiL)n turin Cxht dw prur mcun xcvovvf dwu of or Sex&a &)scen we procns «cat pr/mnx &tedsnno&ruasr by uwg de Noimxun &ovid rn y&nr &tuck (eh Act a//xn&n m evens r ck &nC cheaven f&rvh Irnhr kr Fnxcsi X m a den& a peer 6xg firth aey te a&yvosan I&un yoe neo/x x mm m pe sure dr/ «r rwcav yrveyepnnx Oans er no n&urxd lo yoir Fo ever ad&venom cv lo it xi 'Jvr eh&tan& f&rvh uunhrx &d vs x &k nervier our& cn de fiux p piu tuve A &km&mt us ss pr/yor crrdt &ed bd aomxxapy arm foe srvmgs w &acesrg 4&ore web UL you &m stop &k prymrrt on any un«ax yov desuete'- step pr/neo& yoUI It&to suit it xh Ls x Icen \'ett ttnrlns dais brkre de e/errtvoc pr)m&va u snmhkd e o&oe V yew BR)beg eddeh wee«tact lsnnadae has &bede&I, w 0 yaw addnn Is accsrcn es 4 etnxs ea Ns hk phau prevhh eg cenecduu Lcm. learns 1 Aer (odl g le/re Ivuk ln I Cadr C Oan fauve BankAmericard'ankofAmer|ca~M Drcrrrom 12 ~ Iaramry ll. 201 I Page 3 cr ~ Tohsl lees charged in 201 7 Total mterest charged In 2017 $ 131.02 Yncfrr a ca turd etna mvr an I sv rant ynu m km tr that av hscrnV reernrd Intr rtrtrnt paymrm dur Braw send yntr psymrnt dm orby If yr sf» skrsdy msibd it, thank pm. Yraa smnctrnl hatch» rcrrrcb thr Trasl Cmle ttnr Tnrt»un uninrrrupednv ofyrsr wmunt pbasr mskr a pamrnt tn trine Trna halsmv unflrr tb Trtal IYrdd ltnh Thrrr is rm sv Sr Ivtng nnv ymr Tmal ptrde I1tv. vera lnrsnd pwca»taco Rais lapR) ls 0» atvlntl Ircrrest ftrto cn ytar ecccscu. annual roouonat Pelceraoge Tfet»acuon Rote Type ~@mous»et Pres»sue»el Relents Ottw gy Rate 2nd 4»hiscl lo Dote Inlorosl Rme Inlsrosl Chwgec Iry Transection Type Purchases 21 CSSV 47,174.41 4111.02 pals»ca Vcsnetece 21.4alr Dtrecr. Depoeic ane checlt cash 21.catv aceranc»e nana Cash ad»ennea 2S.CSIV 4 0.00 4 0.00 4 0.00 4 0.00 4 0.00 4 0.00 sell ttc» cat»acr» cecr »tract nsn tnw v t»ssn» nsn tw» r»r Kvt Andd treeing hntsrcant wvtcml mattketima lt is uukk and racy ar krrp p»r pbrcv mtmtrr, rmad anfl nailing adkrwt up In dstr. dc»I sign In In fhtgtv Ranking at tnnknccrtrrrernm,gnln Pmftb R yvtnngs and upish snyttsngthat has chsngrck BankAmerieard'ankofAmerica ~M DAVID PATSKK GOIITA112 Arnuary 12 . Fetruny 11 201 I Accsced Ansrmwaacar sow Innlufamrrksrnm Mnt bean$ Snaanm tn Pnnk nf Arwevs PAT Rns~ $3 Para TX Tlyfrt TI Mcd Syrnsnts lo Bank nf Amrnrs P,fk Rc)S IAOIII tt"Itnsnyhsc DF. $~5rtba Custemw Sentsn ItSXTCII2110 1 TAOIL'l46 TIRI TIYI New Bararce Total Ccrrere Pefnent Cue ..$6,944 71 ...5233 00 tate pmmscn ynmsng It wr csr nal rearne yacs Tatd Ascsmcsn peymenl by the date kstcd above. yau msy penn lo Fay s Inta freer cm ta 5 5700 ant yoca AFRs may be assessed up lo oec penalty AFR cl 2999K Trial Musmum permnd teensns If yau rnabvr crsy ttw Tatal IArvmum Pefnent each Pened, year nvs pey mere m interest and d ws take yau tarypr to psy atl yeas Mace Tcr ecarntfe: M,.™ Tcoa 14 csrman Fchrnecs Oue .....5233 00 Pmmrca Due Dme...........-.....-.- .......-......-.-...-..-......2/8/TT Prevmus Sdnsn ........................$ 7,27S 75 Pacmrma Snd Orner Credta ............. -500 00 Purdeses and Adfcstmems ................... 0 00 fees CharSwt 57 00 Interest Charged 12896 New Satanas Tatal .....,..................56 944.71 Total Credt lcm...................,......,.$7.000 00 Tacat Creclt AvsasNe........................, $ 55.29 Cash Credt Dna ..................,......,.52.1CO 00 Parean af Credt Avnlatfe ha Cash ......$55 29 Stateenl Oonnd Date .................2/1 1/17 Days m Scscnd Cycle ..............,.„,.............,Dt Only the Teed Ainencsn Pmmsnt $ 1S.206 CO $9,468 00 flanntts e 58.738 CO) 8 Iou salad kka~ sbcaa creclt caaaacrd srncces. Cas 1865300-5238. payments end Other Crecms 01/16 01/17 PAIIAOIT ~ THAI K YCKI Ol/16 01/17 PaytrTNT ~ THAt.K TOII 02/09 02/09 PA%MOO.1HNatytKI 0114 5393 0106 2265 0148 0512 -100 CO -200 00 -200 00 0512 BANK CF AAIERICA P 0 SOX 15019 YYILASNOTON CE 1988rkSCI 9 Ihnr Bcacmce Tabs ....-..-............-...-..........................., 56.944 71 Total sacwrasn pchmera Due .........................................233 00 Pafnent Due Date ............................................. 03/08/17 DAVID PATRICK CONZALEZ 431 HICKORY ST SAN FRANCISCO CA 94102-5805 9 Q crvcca nne ev ~ chase srmsard nseera cv cncvw nvmsnsovers Craven er cnmvcscvw cn ms cevwss mm sns ew sncnln scrnf wn Iew scram secern er SSHI sr amcnce ~ascrv IMPORTANT RCPORMATIOIC ADO(yy yycfd ACCO(INP CEO)03 Rhr 11/fl CUSTOMER TIPS FOR OISPUTEO FIDES vmy Ec&»s Eysghctd (yrps ac rgEmu«(hrgrs ttr En&&Enny euy rut rt(OD«»a rcn»no&ca (4krc dnouo~ I (hrp «e Ec«sr»ed dsx you nrdy I EE« (fags Ocf e me errry«brt to Eehhe d» dna&sr «e- d» mrkhrc Often the me (hrc Em Oo«cr y&nr &souECII lnf tagy re»In for Ahhar ph'»nhnb fho» n(rrcur rnrr brkcltrd crt)o&o rtEOP( a bdeg ux«mn& ~ Has a awgc paa«f ta yaa acc«aty Peae don up 4 N drys I'm tte dxe ar yo&r credo uoud«a xehmtrdgtn»m bna br f» e»nta . empt 4 gest 4 ga durge ar aha«at srdandl«y Chal ncho&tmp«suhc&cfhauef hu«thr xcount lomele&vc d«ychf mc mAe d» (hrge It b po!Eii'hx d» mr&tutti byel nmlts i&Ed IE(re 'unlrire c&p««c a rn(&rm crl to&If bt Ear tref «k'E shh)r El'ages Ea h(kck oih o» «af Io (tees lor dlt urd n a arem rrtlrIrrr dr&ah o lo kxi x leer r(en SIX«arm cnk» d you re ma treekd n Defoe grrgtag e o ehy Io ehreg Enrg de «Cb akkms an d» trent OI yhs unr«mr ce gtw En s &El fleam Ie«smote I y&«R«d cn ewer en yewr bv, T&m «ea notify a ae )«a dua gd drys aher «e sant yea fka sat««set en waco ttw «ra er proVIEO cypeamd la pes«ee year bgb&g Hghta EJLJLJtK Orant Brsong e scat&Au 1I tem I d» 1 &kys a neck rd tgom )ou to s»w Ihr nkhr re(tre xurey or& )oa x(eml EHmE 9) SKA26SO) 11Il r p ~epk~N.»e ~~~t~)~ktk br&he(trgrhthqestmn /JAN Inn Vltng b«pdrks, PO los gg) 115, 8 hao TX yyyy l whm «meg pleat @dude Teer 14«e. 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To dr&tnt+» the In(rest o&rges m rcAAEI txh Burke 5&tccn4 h&«cst Rae by ks tcok&xk Defy pen(dc 14te mc t a mug& o re&tref»d by lhe rhsrb«d dt)s In de bird E)&b loft&emu» Ite toal IntrrruDrP Or d»bfeg E)&k «r OV d» Prrefc furr Im«ru ChrPI toPtt»& A Ddy P«&odc Rue h Nut(red by dndmg m Ahead Pn&enup Rxr Iry XS HOW WE ALLOCATE YOUR PAYMENTS Pryreresarobcsltdlopoltrd tdacrl f y&sar(rcmthsl Iu4rcrlwry&dynnespph ~e «A A&caw Ihe amen d )oa ptymcnl nard to d» TEEA stew&1m p»m«e Due lo d» k«ru APR bdrkti fu! 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Frtrurey 11. 201 7 Pace 3 rg 4 Feet 02/08 02/08 LATE FEE fOR PATTrrEIIT OIIE TOTAL FEE5 FOR POS PERIOO 0512 37 OO Ireererl Charges 02/11 02/11 NIIENEST CIIANOEO ONPIIRCHASES TOTAL RITEII EST FOR Ttas PERIOO 0512 128 96 I ' rr 7 ~ Total fees chelLusd ln 2017 Total tnterest charged in 2017 $74 00 Vrhr Armed percentage Rote (ApRI rs Ihe ruvrual Ifctrcsl rale rrl yrcr dcorra Annual Preeucns Prernoeansl Prernallenel Ralsnce Percoraage Transocean Oner TO Rale End subloct to Itete Typo Oats Inlorecl Rke Interact Chregec by Tronasctron Type Purchases Ratance Transfers FI. ~ 11V 21. ~ STV parsec pepnslt and cheek cash Nl.catv Adrances st,ots.si 512a.sa 5 0.00 5 0.00 0.00 5 0.00 Recur Cash Adrancee Na.aecv 0.00 5 0.00 ars Isd cetrcccrt Carr rsrutl Rau Trte v rnatcu Rsu 0th euy rerr\ BankAmericard'ankofAmerica ~M DAMD PAIRKK GOIIZALEZ Ftbnery 12 lArch ll. 2017 Asesunt Wumumsrc aosr Innbnfs rrrsssst Mea bmtng Inrnanm tn Psrnl rg Arrtrss P.fL Bos~ Pl Pssm TTL Tffftt L1 Nell eyynsnts lo Pnnb rg Amrrrs P/L Rrn IIOIR Witminfam DE LafcrtCS!IRI Customer Smd IJCXLC"IXI IO (LRYLTIILTITR TIY) fans Bramssr Tattf .. Ctnsrc Plhrners Due Psst Due Amaunl 57.097~ ......5221.00 ...5233 00 Tclal IA rsrmsn Pthrntnt Dua Peymtm Due Date............. ...5454 00 ... 4/8/17 Lets peyrnnm wamrng It ne do nol recent year late! torsnssn psyrntnl by dw date artsd abase. 'yau suey Isne lo pay e bmr hw cd ap to 537 00 end tens APRs rosy be mutated sp to Rw Prnurny AFR cf 29 saa Total lewrmrm psyrnenl wlsn!ng If ytm make mey Iht Told Aarwmsn Peymers tach penod, ycm nd pay mme m retreat and d nd take yau tanfpr ta pay 08 yare balarce Fcr essmttt: Rrewcsm Bdsrce ........................58.944 71 Peymtrfs sml Other CreSts........,.......... 0 00 Purchams and dynamenm ....................0 00 Fees Chrrged 7 00 Iresresl Charged 515 49 New Balance Tatsl ......................57.097.20 Tcaal Credt fnw.........................„.57,000 00 fatal Oedl Avmtame ............................50 00 Cash Oedl frmr ..................,......,.52.100 00 parson d cmdl Awsurtfe far cash ........50 00 Statement Chrnng Date....,...........d/I1/1 7 fWy tht Total Alnsnrsn Psyrnsnt 22 ytcts 518 234 CO If yoU snafd Irke nkknumrm abaca crectt comlstllng escorts, cld 1 86IL3005238 Fess 03/08 03/CB LATE FEE FOR PATMENT DUE TOTAL FEES FOR TISS PERIOD 0512 37 00 537 00 Interest Chmgse 03/11 03/11 SITTRTST CHARGED Ctt PURCHASES TOTAL INTERfST FOR TIRS PERIOD 0512 115 49 5115.49 0512 BANK OF AIUERKA P 0 BOX 150! 9 V/ILARIIGTONDE 'ISOOSSCI9 tttw Be!pcs late! ...................-..................... 57.097.20 Tabs tarsnssn Parrnsnl Due ............................................854 00 Psyrntm Due Date ................................................ 04/08/17 DAVID PATR'C K GONZALEZ 41! 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Vva a «akk le br god cmh A%roue% The cah Dn)c Ebe b Iha enm/K you h«e a»4!k )or f)Jlo Cah Asv»KCL cvn»ify lbnk cah AA»ues conk! of l'M Cah As«luck cvw ee ca/ter )Dq3 cmh Aha»as Sev» Dt! cw wee/sh Idv/»el Dvtnyah pm»cern Ce/r Adveucc Cah Eqavdeca ad ac!caw omsadon kcs MISCELLANEOUS P rr»!roof Rau End Cmc Ths d// a bacd on a fuu/t sutcrrent cksrg date If you chrgtPa/pa/rem dad ac de ckle codd chegc Vwud cmh e«d» aged I»md ps/ttgr/r dry«if cnvb cod%so«rd vvvdm a dgef wrarc For d» conpkce Inn% ed conkme d prw acar Ceo»ah ICM Cwd t Cad agv em»ns Thn acou» a aund md ah»e»ved by f A Cpd Scrvces Fll I/d Sr«vers 4 a rtgerend ealtm/% O! fh CadSnrlns adv» KS f! hare! PAYMENTS Wt utde a»kd p//remi n ol i)it dut n.evvcvk l the pcp«cvc a I)) nc«nd ky S p %% bcf Iev» w d» a%dr%I slewn on Vc rrtwrm alp on d» hunt d ycv/ n»nrlr slaccmrra I)) pad mlh a dmk dvavm e U S do4m an a U S. Fmmccd rolavsnn W t U 5 doke mw»f ardri'd 3 I %till h dit wruh tiiierce msh cnb Ip wire'auc poilcri ol lour %ca/mew «co«pan%ego Parr«em%err«»} bl n'd f n 5pn krJl Imw a d»nmnlmossmscn avy d/I cckcmg dlt Owners Cue Ihst h/ Ihri ir/cnww inrtl die acuw wqwwv»wl vrd br end«/0 l% ol cw iicil 0/I Pa/nr 4 ruc» !wint IK kv fr»nr ml btcrnhcd ll o I/O dat o! »ccvc d mme by 5 P m clnrd cinh br my oy»i palrhrno n»r be dr%and Ip D 1st 0JIL Cio'I pt/i»fia Ii%K4 with oui Itlri% I/ l'M «idl Teart lssol )lIL)ml owl! bt iccro»d ~«ch ~ veld ck«ircc/ovm TCR No pry«»m shf os«a» Jv r a cwJ «d wla! arne»d»uc 0» pwr wrmwv acr«Of dw» d m/ Ice Dnccvs Vtr POCWI eCal Par«»m CI»dS tkcocrkI/I by ioaq Iht tdermasm kS/dan SCM c)eck Eah check audvrucs m Durde a cne Ir» eke%ra krvh Ireokr br Fnacss l as a check or )»per Vf0 f/Kh m/I 1» mdvyom !rom pa/ tech/K m sccn» P» sov» dcy w«»rene yis/ paymrvK c)vs %% nt r»I whr»d D ycu Fcc OK/c cvk«macm cv D up ihc abcla/ia h/ds Irais eil If ui a V» rsnibcf hite cri 0» freris P you luve a.dwr led ta Io prr Ica/ ued t caid ba~ tom pnr %«KDI cr cl»ctrg acccrc wrh OK ycu Can Step Chr ptr«»rs On VVanm/l VW t)ee a «rung To%ad pavrwvvc TCK/ kuri Oh%I reah sa a»at ctree tusrvns gars bckm't» acorn/a~ o sdmklrd os cene g pwr bg)hg addem cr ceotad~ bm dumgw!. w N yem add!am }s laciarml m N lppiws Di db tdk pbaw pnwdr ll cemcdonl bcw. Adbcss I /db«%%1 kta Code g aced a VI/% pm» BankAmericard'ankofAmeriCa ~dd fctrusry 12 ~ Math 11, 201 7 Paer3d4 r ~ Total fees ctutrged In 2017 Total mterest hhorlfetf in 2017 $ 111.00 $375.47 Yrsfn a tnhsd ttnbsnrr sari sr nant ynu In kmrw that m has»crt trcvhrd yrev current peymrnt dhm Itrasr srtsl psv psymrnt dnr artsy.!f fr crt» ahrntymsilrrl It, thank frm. Ynur SCatrnvm lnlcnn r trrrdc IIV Trna l PtrdS IJnr TO stern» unintrttmard tuc rfyrcn Srtcsmh Pbaar metr S tnynwnl In Irhrs yrae lolame unkt tbr Tntsl prude linc. Thrn 4 nn I» Se lr mg mcr yrsn Tract prrds lim. vtsr lrnunl psrcentess Rme (apR) Is Ills onnud ncerrst rate tm tear acrxsslt annual nsnoucnal Pnencucnd momouonel Relents Interssl percentofs Trarusctlon Dtler D liam 2nd SubJect lo Cherdss by Rats Date Intermt Donsecusn Rale Tn Pcrchsaes 21 ~ SCV IT,OOS. ~ S IIIS. ~ S nstance transfers 21.SSSV sant cash advances 25.SSSV Dtrec'I Deposit and cheek cash Sl.catv advances I 0.00 I 0.00 0.00 I 0.00 I 0.00 I 0.00 Nl Tne Dcrruws Dm snr»ct pan Tree v csmne psn ssn enr rett BankAmericard'AVID PATRICK GONZALEZ 43t HICKORY ST SAN F RarSCrSCO CA 841 C2 5806 BanttofAmer1ca ~W Customer Sorvke Infonnollom vnnwtvreolanoncacrrn I.SXL4212110 TTY: I A0034631 78 Moll RIWng Inqulnos tro gao of Anvnca P CL Ros 982135 fl Paso TX 79998.2235 Ssoll Poynvnn lo; Conk ol Anvnca P.O Ros 15C19 Wlmlrg on CE 1988fr5019 Uarrn 12 * Anrrl 11. 2017 Account, Summary Prevlacs 0alance payments and Otl'er Crecsts Pre Genes and AdAnt/nants Fees Charged Interest Charged $ 7X97.20 -$53503 6PXLES $000 $115.38 Payment information New 0afvue Taul Crarart Payment Oue Taul karvrrsen Payment Due Payrnmn Due Date $$89603 $ 19100 6 l9200 CS/Ce/201 7 New 0alance Toul Taul Credt LIne Taul Crerst Avartsble Cash Crealt Line Paruan of fred/I Avarlable far CUh Suternent Oa:lng Date Days In Slgrng Cyde S 89610 67/XCQI $ 10397 Stllx'EO $ 10397 C4/I I/%17 31 If you rake no adcSUonal charges Usltlg thU urd a/sf each marsh ycu pay Yau vng payoff the And you sng end up balance shown cn tfvs paying an 8:Urnated sutament In abaLS taut af Late Payment Wamlng. If we do nat receive your Toul Mrrvrnran Papners by the ckne hated abave. you may have to pay a Late fee of to to $37.00 and ycxp APRs may be Increa:ed Io to the Perulty APR of 29 99%. Total Mlnlmum Payment Warning lf yau make only the Taul Mmrnvan Patment each pened, yau vali pay mare ln on ere:t and It v46 uke you er to off batsnce Far era/nolo Only the Taul Missa%an Payrnent 22 years 36 months $10260 00 $9,432 CO fsavlngs ~ $0.036 00) Transactions Tranoctnm Posts 8 Caco Core Coronal an If you woutd gke Infer/nation about crecflt counsellng services, call 066aOO.S238. Rrrrronco knnsc 7/nol pormoms ond oulor crmllrs C3/14 C3/I 5 Carr/f LT - Tl'Avc YIXI C3,1 4 C3/I 5 C AYU EN'I - THANK YCV TOTAL PAYMfNTS AND OTHER CREDITS COR THt5 PERIOD C155 C511 -13500 0163 C51 2 30000 03/18 03/20 C3/27 0402 0409 03/20 03/21 03/29 Dl.C3 D4/1 I Pvnll4sos ono Allp/somoms nferl sfvT.A%VI I Estl Cvar CK I'ER11 SEVT.A EAA SAN CRA$OSCCCA A$ CELIEO RlIA WASrokCTCN CC RUIISAEWS KITCHEN ~ EE CALLAS TX SnfLL C/L 57444218204 SAN CRAnOSCCCA TOTAL PURCTIASES AND ADIUSTS4ENTS Fait THIS PfRICO 7019 C511 681 4 0511 IO04 C512 2750 C512 1133 C511 ECCO 5997 37 47 2498 2623 $208AS 04/I I Dt/11 04/I 1 CL'\I 04/I I 041 I Interest Choraod n Tf REST CHARGED CN CLIKHASES rhtfsf ST EHAACE0 C'N RALA$ff TRAnSCfRS INTE RE57 CHARGED CN Cta Cf PSD K CA'+Am/ mrrsm m mn nur 12518 CCO C00 chore sw Inr Polo or rtso nurmnv for r/v Parrmv rrmortvcv nserss s 'Z I ~llll t ? » .Kl1 IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING INTEREST - Vre vug not charge Interest on Purdvxes on the nest statemert if ycu pay tlw New Bk4nce Total In fir l by the Payment Due Date. and you Iod pard in frrl by the previous Payinerc Due Date. We will begin charging Irterest on Bk4nce Traufers and Cxh Advances on the transaction date. TOTAL RFIEREST CHARGE COhrPUTATION - Internt Charges accrue and are c~d on a cbily Iu:is To deterrrvne the Irrterex Charges we muhlply each (44nce Sub)ect to Interest l4te by lts applicable Daily Periochc 14te and dut reurk I mukrplied by the nunsker of days in the bilkng cycle. To deteinvne the total Iiiterest Charge for tl e bgirg ~le, we Xkl lhe Penodic 14te Interest Charges together. A Daily Penodic I4te Is ckku4ted by rpvlthrg an Annual Percereage Rate by 365. HOW WE ALLOCATE YOUR PAYl/ENTS ~ Payments ae a14ckted to pruted lu4rces If your accocrrt hks ba4nces vnth d fferert AFR» we vng allocxe the amorrrt of your pa)mere eoukl to the Total Mirvrnun Payment Due to the lawmt APR Iu4nces first (lnckrdirg transactions made after this stkterrent) Payment arocets In erces of your Total Minimrn Payment Due veil be applied to Iu4nces with higher AFRs Lefore bk4nces orth lower AFRs. IMPORTANT INFORMATION ABOUT PAYllENT5 BY PIrONE - Vrhen using tl e opuorul Pay-by.Fhone service. you authonze us to Initute an electronic payment from your accorrrt at the fmancul Irotitution you clesigrute You must ashorlze the arnorzs aid terwg of each pkymenc. For your protection, we will mk for sorority Informatioic A fee may apply for ertpechted service To carceL caR us before the scheduled payment i4te Same-dky Pkyrnerta Carvroc be edited or caceled YOUR CREDIT LINES - The Total Credit Une Is the knorrrt of credit avai4Lle for the kccounL however, only a portion of that Is axrbble for Bank Cxkr Advances. Tl e Cxh Credit Une ls that anuczz you have avo14ble for Bank Cmh Advarxes Generally. Bark Cah Achances corrie of ATM Cxh Advances, Over the Coreser (0TC) Cxh Achrkxes. Same-Dky Online Cash Achances, Overdraft Protection Cxh Advances. Cxh E orrvalercs. and applicable trkruaction fees, MISCELLANEOUS * Prcrrotionkl Rwe End (4te T)vs date ls bxed on a here statement closing date. If you change your Pkymert due date, this date cocid charge. Vinyl earth ae the digital form of your eligible phy:Ick) credrt card; stored within a dig ita) wallet. CALCULATION OF BALANCE5 SUB)ECT TO INTEREST RATE Average Daily (44nce Mechod (inc4clrg new Ptrchxes) We Cklcutxe separate 144nce. 5ublect to an Inter'4te for Ourdvxes and for each Introdkttay or Promotional Offer bk4nce conshtirg of Purcta'.es. We do this by (I) calcu4tirg a daily lu4nce for ekdr day In the biging cycle; (3) addirg all the dally bkkrices together, and (3) divrdirg the sian of the daily Iu4nces by the number of days In tl e biIliig cyde To calcrAxe the eke ly bo4nce for each day In t)vs statement's billing cyck, we. (I ) upe the begiiveig ba4nce, (2) add kn amount eoukl to tl 4 applicable Batty Periodic Rate multiplied by the previous day' dally ba4ncg (3) add new Prechxn. new Account Fees. Ond new Transaction Fees; and (4) stRekct appliable payments and nechts. If any dally bk4nce Is Iee than zero we treat It as zero. Average (44nce Method (inckrkrg new Bk4nce Traofers and new Cxh Advances) We caloAate separate Ba4nces Sub)ect to an Irterest l4te for Ba4nce Transfers, Cxh Advances. and for each Irtroductory or Promottona( Offer ba4nce coroistrrg of (44nce Trarsfeis or Cxh Achances. Vie do dvs by (I ) calculeng a cbily bk4nce for each day In this statement's bigirg cycle, (3) calcukxing a cbily bo4nce for each dky priOr IO ties statement'S billirg cycle that hkd a Pre4:yde bolkxe -a Pret)tie bk4nce Is a Bk4nce Trarsfer or a Cxh Advance with a tranucuon date prior to t)es statement's bigirg cyde but orth a pating date orden this stktemert s brlhrg cyde.. (3) adding ag the daily Iu4nces togetheh ard (4) rhvrdrrg the srrn of the dki)y ba4nces by the ncrnber of days in t)vs statement's bibing cyde. To caku4te the i4ily lu4nce for each dky In tNs statement's bilhrg cyde, we (1) take the beguvurg Iulance. (3) add an amount eoual to the applrckb)e (huly Penuche (4te multipked by the previous day' daily ba4nce; (3) kdd new (44nce Transfers. new Carr Achances ard Trarokcuar Fee.; ard (4) subtract app(ICable payments and crecnk. If any daily ba4nce Is less than zero we treat lt as zero. To cakuLxe a dkr)y bk4nce for axe c4y pnor to this statement's bioirg cyde tlut hxl a Pre.Cyde ba4nce (1) we take the beginrvrg balance attnbuugt~ solely to Pre-Cycle balance (which wig be zero on dw trarsactron dxe of the firn Pre.Cyde Iu4nce'I; (3) add an amorre equal to the apphcab le Daily Penodi c 14te mulu plied by the pcevi ord day's dxty bk4nce; (3) and add only the applicable Pre Cyde ba4nces and their related 3 raruaction Fee:, Vle evtkrde furn INs colcu4t ion all transactions per ted In previous Ir Ring cyckrs. For the complete terms and concltlons of your accorrrL coroult )ocr Creclt Cad Agreement. This accorrrt Is I ued and adninicaered by FIA Card Services. FIA Card Services ls a registered txademark of FIACard Services anckor Its offllikteS. i* Transactions Continued Trnsactlos polo "g Cate CSC ~ Cetrrif tJCn hnecest Cfwgsd CAIII lhTEREST CIIA GEC Clc EAKKCAsfr l VAKCES TOTAL RfTE RE ST CIIAROEO FOR THIS PERsob Refrreree Acccrrc Serrtsrr Anssre Tote 8125.1 8 Total feet dstrged In 201 7 Toatl Interest dorffed In Wt1 $11156 $5CC 65 Interest Charge Calculation vna Anneal percentage Rate ppR) Is lre arrsal scnesc race on yse acccsnc Type of balance Anrreal Percentage Rate Transactson Offor lb Type Prornodonal Rate End bate balance Sebjsct to Interest Rate Interest Ctwges by Transacllon Type Psnchases Ralance Transfers 11.yahv 1 I.fesr V 5 671585 5 12518 5 aco 5 aco olrect oeposlt and chech cash 1 I.fehv Arhrancas lbfOSV 5 aco 5 s aco s aco ADRTyas cetsnlcrt av'yote en Asce Tleov ymir 4'e fratenaysay} Dsts 1 ol 8 This page Intentionally left bIank SANK OF AteERCCA PO BOX15019 VhlARNOTON CE 1 58M-501 9 Nts Scents fnut Icttl Ikranstn Pcscntcs Oue septet Oue Osis 5 895C3 $ 19HO 05/OSf2017 OAVID PATRICK GOFCEALEZ 43C HICKORY ST SAN FRANCISCO CA Bec02$Ãd ftltc stcceenc Nnctes S ~ j j f cntce nes tt e cense ctnteccp ectteee 0'ncne lessens LJ nenes Cnsccs ec cnececes cn ts cecsne Sca. set ecc cetsen ected ecn pet cnece eecelw sc sent el ensnce r c ter ' ~to I PAYMfNTS ~ oe esdl Peery aspects ls cy do dae rvwerb d ee yapw'I tc TI) recevtd by T ppc Tcol ypN tl pe tdseo deep er de Ilwcterce treecp cl yap ~repels scsopapk TTT pyd we' deca p ae N Tl5 pedes te a Is 5. Ibepdll Ipseoabe w ~ CIS de sr repay Ipop, SN TT,'Npt Ir ee Ivbltr Iewkvl eel wcy de lweoece pcrdcpsl yae loswwe~ It prypero rccNNO by pet alwr 5 ppc bml ape at ee raprtero aacoew apsorybcbsspd eoeayetrt Tbe Tew.sre det scresrro rrov pv stew rtcaaspeptc «N le Steed as el dered day paypwct reset coro er by sosre ws TN pcded w cf ee eee el recept d Nde by 5 ~ N Tepeab Trtcst Iw opy ol ~ sedepcs pey ta ddaysd «e N bvr errc Too pedtete curstesoerallrele Trpr aulelalaletleoybesasaedele a»4 ~See CONN PITT bc psspvt dee Nano ss ~ toed apd sae Ittcee «sees t ee ebe settee several al ee el ec Tsrror CfCsea Wl tseoe troll vspwc decal eacbesoly by sttrlp de etepe&rr leprd e yea ltecb Tace crocb e dotae ss N erase a espere dtceecc bacN eecrw Tar eeoc N o a ctocb sr lacer sat~ trna& eay be wttcbsws tpa» pas acssasc o Nce o ee ~ we day ee Iocew pac plypvc Ttecbs se pct Ntelpet N p4L fle pwa bdowecbe w lt Ncp ee eccowcc ltpdl eeerwc cal IN v de IWNV ysed e ee owa Il Tcu llsw sctoptv to It ply yae esdl cap! WI RAlrpsooey Iro yea oredl Ie dodcrlg sooec red'IL Ter cs tee ee psypere et vy apcapc par eao N rated To Nle psyprwc yea Irte pee Irodl sl lt leos erv brdlnes drys wrea de eros aac seymtpl is Nlorbsrd N aesc M Teer bdtbsp odeev v catcall ~ Nereedte 4N TcetdoetT or lf beet orbbeo la btletecc as ll ayposo NI Ihlc bill please proede od settler ~ Ilare Ascots T pdc ats 2 1'p psef:~a TIVPO Tbcro Ban kAmericard'AVID I'ATRICK GONZALEZ 431 HICKORY ST SAN FRANCiSCO CA 94101.5505 BanttofAmertca ~W Custamar Sr«ace Inrarmouara wwwtunkoIunenraram I.SXL4715110 IIY: I 3sXL34&317 5 Mall bitaua inquiries «v Bve or arnaaca P Q Saa 957135 Ei Paso TX 799951135 Mul Poymaut Cw Bank ar ornariu P Q Boa 1 501 9 Wrnvntran Or 19556 501 9 Aarii 12 . Iror 11. 7017 Account Summary Prevloka Babnce Paymerts and Otl ~ r ciersts Purchues and Adsrstmerts Fees Charged Interest Charged $&S9&03 -$ 7&& 75 ¹94& Sasro $ 111 AS Payment Information New lbbnce Tctal Currert Payment Due Youl Mirrrraan Payment Due Paymerc Oue Date $ 15500 $ 1S&00 04M/7017 New Babnce Toul Taul Credit Une Tcul Credt Avaibble Cash Credn Une Portion cf Credit Akaabbie far Cash Suternenc Ckning Date Days In Billirg Cyde 3 540&9 $ 73XCIO $15931 $ 2.10000 $15931 05rl II7017 30 If yau make no adrkttonal durges suing INs card and each month yau pay You vcS payoff the And you will end up babnce shaun on tNs paying an estimated sutement In about toul of tate Payment Warning If we do nct receive yaur Toul Muunkon Payrnerc by the cbte listed above, yau rray tave to pay a btc fee af up ta $37.00 and yare Apss may be Increased Igr to the Penalty APR of 29,995 Total Mlnlnnnn payment warnln: If you make only the Youl Mirarrssn Paya«ere each penoat yau wis pay mare In Interut and It wis take yau lar er ta aff bsbnce. For e le. Only the Toul Mlrslrkan Paymerc $26000 22 years 36 months $10.12400 $9560 CO l&avirgs ~ $0.764 00] If yau would Bke Information about credit counseling services, call 8665005238. The fosavnng is a sunmary of a change that we are making to your accokrt terms. TNs charge vos uke effect an)uly 10, 2017. For more Information on tws change. see the endosed irnpcrunc rnfaimar am section ccnuirarg an amendmem to your Cr ed t Card Agreement. Lsle Fee ftevfscd Terms es ef July 10, 2017 UP lo $30 Ftrrur srv kur Fear af Inr siurovra far ihr Prenvrc rrrnerrrrv rrocrrk IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYING R{TERES - Vie wig not durge Irterest cn Purdsuts cn the neve staten ere If you pay tt» New Bounce Total in fvg by d» Payment Due Date. and you hxl paid In fug by the previous Paymtft Due Dat t. Vfe will begm cturglng Interest On Bc{we Transfers and C&h Advances on tt» trafcactlon date. TOTAL INTEREST CHARGE COMPUTATION ~ Interest Ourges accn» and we cffpcxndtd on a daily tusis. To dttemvne the Interest Ourge we muhiply each Ibbnce Subject to Intwest lbte by its apphcable Carly Penoxkc Ibtt and tlut reurk ls nsfhipbed by 0» fsxnber of day. in the billing cycb To detemsne the total kftertst Cturge fcr tt» bilhng cydt. we add tf» Penodic lbte ifeerest Charges together. A Daily Pencfpc Ibte is caicubttd by dividirg an Anrxul Percertage Rate by 365 NOVI WE ALLOGITE YOUR PAYMENTS - Payments are allocated to posted tubnces lf your acccxxlt las tubnces with different AFRS, we etg allocate the amcfzS cf yfxt Paymtrt efacg to the Total Mirvnxxn Payment Due to d» bwest APR tubnces fust (Inckrdlfg transactions nude after this statemeft). Payment »nfxxss tn exCeSS Of your Total Mirvnxxs Pay»»nt Due vxg be applied ta talwts with I igf»r APRS befare tutwes uxth lawer APRs. IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - Vrhen forng d» cpuocul Pay.by.Phane service. you authonze us to irxtiatt an electronic pa)trent from yfxt accfxxc at the fifswtal Instnution you designate. You nsct authcfIzt tht affxxxS and tfnxng of tadf payn»nc For Text protection, we wig ask far secunty Infafnutian. A fee nuy apply for expefsted sentce. To cancel cag us befare tht sd»fkded payment dre Same-day pa)ments cannot be edted cr cweted YOUR CREDIT UNES ~ The Total Credt Une Is the pncfxt of aedit avalbble far the accfxxlC. however, cn(y a peruon cf that ls awxbbte for Bank Crh Advances. Tl e Cuh Credit Une Is the omelet ycu lave avtbble (ar (bnk CrP Advances. Genefagy. Bark Cuh Advances farcist af ATM C»h Advancts. Over the Cfxxser (OTQ Cuh Advances. Same-Oay Onkne Cuh Advances, Ovtnkaft Protection Cuh Advances. Ca.h Efaxvalents. and appkcable tfarcaction fees. MISCELLANEOUS - Pranctioful ILct End Date This date Is tx»ed on a futfte stateff»fs ciccing date. If you dunge yaur paymefs due date, ass fbte could chuge. virtual torch are the dig tal form of ycur eligible phy:ical credit canh stored within a eigsal uullet. CALCULATION OF BA(ANCES SUB)ECT TO INTEREST RATE Average Daily Ibbnce Method (mdudirg new Purdsuex) We calcubte separate Balwes Stbjtct to an Interest Ibte for PltCluses and for cadi kitfackrctory or Promctiaful Offer balance cofsistirg cf porches. We da this by (I ) calcuLmng a daily balwe for cadi tby In the biding cycle, (2) addifg ag the daig babnces together. and (3) dvilkng the sian af the ckxly babnces by the fxrifbtf of days in tie biglfg cycle To calnAate tt» tksty babnce for each cby In t)vs statement'5 bilkrg cycle. we (I ) take the begifeefg babnce; (2) add an amount eaual ta ti't applicablt (Ally Ptrlodlc Ibtt rnultlplltd by tlul prtviau'a)fs dRly babnccs (3) add new Purdsuts, new Accoufs Fees, and new Tr»fsactian Fees; and (4) subtract applicable paymencs and crtdlts. tf any fbltli babnct is ltu ttufl ztfo we tf'tat it a5 ztfo. Average (bbnce Method (lnduckng new (bbnce Tr»uftrs and new Cuh Afhxnces) We calcubte separate Babnces Subject to an lrttred lbte fcr Babnce Tl»tsfefs. Cuh Advances. and for each ktfoduttary ar Pramatfanal Offer tubnCO Car»ISting Of BSLWO Tr»fsftfs ar Cuh Advances. We da this by (1) calcubtifg a daily lubnce for each day In dvs statement'5 txllirg cycle. (2) caicubtlfg a daitybalwe fcr each day prior to this statement's bigifg cycle that lud a Pre-Cyde balwe m Pre-Cyde babnce is a Babnce Trwofer or a C»Zf Advance vetch a par»anion date pnor ta dvs statement'5 bbrg cyde but vtth a pf»ting date widen this statenlent'5 Mlfg cydcs (3) ackkfg all tht dilly balwts together, and (4) tkvtdifg t)» sits of tt» daily tubncas by the rxxnber of ibys in the statement'5 billing cyde. To calcfAstt tf» daily tubnce for each day In tNs statement's bi llirg cyde. we (1) take tl» beglfvtfg babnce, (2) add an amcxxft eaual to tl e app! icicle Duty Pen arse Ibte mdupied by the previex» tby's daf(y babnce. {3) add new Babnct Tr~fers, new Ca& Advances ard Tf»uacuon Fees. and (4) subtract appgcable payments and aedfts. 1f any daily balwe Is less than zero we treat g as zero To catnA&t a daily tulw4 for cadi day prior to this staternefc'5 blllrrg cyde tfut Iud a Pre.Cyde tubnce (I) we take the beginning balwe~lt solely to Pre-Cycle balwe (wt ich wig be zero an V» tran»action date of the (lmt Pre-Cyde balwt). 12) add an amcufc efsul to the applicable Daily periodic Raft muluplied by the pfevlaus day'5 Ally tubnce. (3) and add only the appkcable Pft'Cycle balwtS and their Itbted Tfafoactlon Fet'. We exclude frcm this calcubtion ag transactions posted In prevloco biding fo the con»lett terms and concktions of your acctxxiL Comult your Creckt Cant Agreement. This accfxxe Is issued and adrwfxstered by FIA Card Stnxces. FIA Card Stnxces is a registertd trsdemA of FIA Card Services andfor its affiliates. Transactions Trxsacuon Felt rg Cxe Catt CeNCVu«C Paynwnts and ONNnr Credxs FRALC CISFUTE It EREST REr FLYICHASES AFR 2CIT Crrre Fay"ent Ilare Cl'K 3 TOTAL PAYIgf NTS AND OTHER CREDITS FOR TNtS PfRIOD Ref««ce Arrears Hurt« Total 1133 2822 2523 1133 2822 ~5 9559 2822 -24aco &288&8 plechases and Adgwtnunlts Cg/73 C4/25 7 ELEVEN 37943 KETTLE MAN OTCA Cg/24 C4/25 CCLLAR PENT ACAR SANFRAIIOSCCCA TO1AI. PDRCHASE 5 ANO AOjSTggMENTS FOR TNt5 PfRtOO 7482 2822 2341 '2822 15.18 7428 C5/I I C5/I I CS/11 C5/1 1 CS/I I C5/I I C5/I I C5/I 1 Interest Charged lhTEREST CHARCEC CN Fl RQ'ASES lhTEREST CHARAC CN BALANCE TRAnSFERS INTEREST CHARGED CN C'R CEFSCHK CASHACV INTERE51 CHARGED CN BANK CA5H 4"VAACES TOTAL RITEREST ENRAGED FOR TIIIS PfRICO '121 48 C(Q aco aco 5121AR Total fees dtyrfed ln 201 7 Tctyj Intere:t charged In 2017 $111 00 Interest Charge Calculation Yale AINnxl Percentage Rata fAFR) ls tne xnud lrtelen rxe Irl ycur xtllEA Type ef Annual ~I Ornat4nal 144nce Percernage Transacden Offer IO 14te Type nnnoot4nat Rate fnd Date 844nco Subject to Interest Rate Interest Charges by Transactlefl Tn Purchases 14lance 1ransfers 21.74%V 21./ahv 5 879867 5 121 48 Direct Deposx and Chert Cash 2).yehV am 5 acc Advances 25/ehV 5 Ctyl 5 AFR Tyte Cerrlttvs Caay let«en Rart Tyce V Varlttk Rxe Irxe nlryuey'age ) ar 4 We'e changing some terms of yovr Credit Card Agreement Tl'e~ to yerx Cred t Card Agrcemcnt is autllr»d below All ether terms In year crtrcrc agrccmcnt stig apply except as listed belaw If there u a conflict, the tern» in dxs~ are in effect. Plane Leep dxs dacumerc vrc are rukir g thiS amendment beuuse of a charge In aur brir e.s practices Fee Change LATE PAYMFNT FEE Effective as af July 10, 2017, a Lxe Fce af $27 wrII te nsesscd if the Toul Mininxxn Payment Due shown on yrxx mortNy sutement ls net received by us on or before Its Payment Due Date. If a Lxe Fee was esse scd any time In the prior six bilkre cydes, then the amount of the Late Fee will be $30. The Late Fee vali nat exceed the Tirul Mirvnxxn Payrrcrx Due Immediately pner to nsesuncrc of the fee Ttss cndrncrs medhfies the foliawng secuans af ycxxCrcrkt Card Agrccmcnc the Lste Payment row in the Attaint Srnvnaiy Table ind the Lxe Fee entry under Acccxnt Fees. What else yov need to know Overdraft Protect(on We'e added language Indicating that payments or credits to your account may not Immediately make credit available for Overdraft Protect)en transfers from your accotatt, and added a reminder that Oven(raft Protect(on transfers accrue Interest from the transaction date. Below ls the updated section. OVERDRAFT PROTECTION If your depa it attaint (eligitle d'eckirg ar money market savings accrxnt) with lbnk of Arneriu Is linked to this account, trxs overdraft protection feanxe vali ailew funcL to be trnsferrcd (averdrak protcctkn trxafers} fram ties secant Into yaur designated depose attract with Bark of Arnenca vawn trxuactiora occsx on your deposit accarxc, such as checks or other debits, ttat If (xxd would carte the dcpa.it acccxnt to be overcrawn (evcrdrak trxsactrans). Ovcrdrak protection trxufers Indude automatic traufeis to cover depasit accrxnt fees. Overdrak pratectian transfers we precessed after close af tusncss Manday dvough Fnday and a e treated as Overdrak Protection Cuh Advances. Each da)rs averdrak trnsacuans will be toured and nxrded ta the ne» $1 00 Increment tp to yeur avaibble cmh cred t Une. regardless of who initratcd the overdraft traraactrorr For cxxnple. if your depose acccxnt Ixu a babnce of $1.00 and a check or ocher deb» Item far $125 ls pre:anted for paymert, ucxch If paid would case )xxx dept»it attaint to be overdrawn. an overdrak pratection trxufsr af $200 will te made to ycxa depasit accrxxx and in Overdraft Pretcctrrn Cab Advance of $200 will prrt to this acctxnc The Partion of Crcdn Avaittle for Cuh on des accrxxx nxat be sul fi dent ta cover the toul anxxnc of eve»yak transactirxu (received by Bank of Amenca that day) rrxnded to the nc» 5100 Incrcmcrt (ba e»kxk~ any everdrak praiectian fec); othcrvxse one or mare of the ovenkaft traruactians for tiut rby wig be re,'extort However, d the pardon af crcdkt Avarttie far cuh on dxs acccxnt Is greater tlun the overdraft ter»action a ount. tra the Portion of Credit Avaibble for Cnh is a»efficient for the ovenkaft transacuan anxxnt to be rounded ta the next $100 ncren ent, then the arxxnt of thc ovcrdrak trarxaction wig be the mxxnt ef your Potian af Crcrkt Avoibble for Cvh. Payments or c edits to tivs accourt rruy nat ersract year Portion of Crcdrc Avabble for Cuh tneI oker the pasung ibte of the payments er credts. we will rot use".s an Overdrak Protection Cuh Advance fce forany overdrak protection traufor from»vs accrxnt ta a linked Bank ef Amenu depa.it accrxnt, if we determine that your deacon accounc N ovcrdrnvn by a taul amcxxx le:1 than$1 2 00. after we fxxsh proce.sing for the day If your acctxxx u scb)cct to an Overdraft Protection Cxah Advance fee. tl en overdraft protection traufcrs will be assessed the Ovcrrkak Protection Cash Advance fce for each such Cnh Advance. Overdraft Protection transfers incur Interest charges from the trarxactlcn date Vie may pemvt a refine to permn any ovcrdrak protection traiufcr that would cause you to exceed the Cr& Credit Une on tlvs a Icteric. Ttv1 overdrak pretoctan feahxe vali acxomauuiiy be canceled if tl'is account Is dosed by either you or us. ar at any time vpan yare rerarnt Ytxx overckaft trarxactrens rcnxxn sut»ct to the terms of your deposit attaint vxth Dank af Amenu. ory rcbted ervollmcrc agreement. and tits Agrccrrcrc Foreign Transact(one The sect)on tlt(od Transoctlons Mode In Foreign Currcncles was renamed Forclgn Transoctlons. We updated this sect)on to Include the de(in) tlon of what quallnes as a 'Foreign Transact(on, Indudlng an exampfe of online transact(a»a made ln the VS. but processed In a foreign cointry. Be(ow ls the updated sect(on. FOREIGN TRANSACTIONS A Foreign Traraactien is wry transacticn (I ) made In a foreign nncncy ar f2) made n IJS. dolbrs If the traruactian Is made or proce.sed pxcv I d d cutside af the Uivted Sixes. Foreign Tixeanlors induce. for trarrple. online trxrsanrens nude in the U S. but with a merdun who pracessas the transamon in a foreign cratiuy If yau rruke a For«gn Tiaiuaction. we wr)l assess the Foreign Transanlcn Fee set forth in the Trornxtan Fees sectian cf this Agrttmtrt. If a transocean is nude in 4 foreign ctarency. the tiaioanlan will be converted by Visa Intemxiorul rx kaz;tercara Intenutlerol. depending on which card u assccixtd with this account, into a U S. daliÃ amaart In accordance with the operxirYI regvtxrrvrs ar conver ion prixedures In tffen at the time the traruactlon is proce ed. Currerely, tho:e rtgutxlons and procedures provide thx the ntiency ccnversion rxe to Le teed ls era»r II ) a who)emit nurket rate er )2) 4 govenvr»nt marched rxt in effect one day poor to the p octsxrg dxt 11» tenancy cenvtrsian rate in effen on the praceairg dxe nuy ikffer from tl» ixt ln tffcn Csi tlvi tiXSanlcn date or past iilg dxt. In add)tlon, the deflnltlon of a 'Fortlgn Transaction'as removed fram the sect)on t)tied Tronsoct)an Fees. The amount of the Farelgn Transact)on fet has not changecL Below fs the updated section. TRANSACTION FEES If you nuke a Fa eigo Tiaicanicn fas deft»d in 0» Faie9n Tioruancvu senion af tits Agreement). we wrl) esse.s a trxuanicn fee equal to 3 00vk ef tl» U.S. dollar xnaiart of exh such Foreign Traiaanian, Tits is in ackktion to any othe apphcable tranmtlan fees Pay In Ful) fn the sect)on titled Poylruf Interest, we updated the deflnltlen of Poy In Full to eedude certain nedlts wh)ch are not used In date nnlnlng whether a customer has Paid In Fu)L Be)ew Is the updated deflnftlon. PAY IN FULL pay In Full ar paid In Full meara payments and cr«kts Itvdurkrg ntdrts nude in accordance with first-year fet kmns or the Miktxy Ltnding Act) iii a billing cydt tatalirg at Itxt yare previous bi)kist cyde's New Balance Total. Roads)de Dispatch Effective October 1, 2017, the service prcvider will erntase the cast cf a standard Roach)de Di patch service call to 56995 from 55995.' Certain term, conditions and exkrsions apply For further detaih, p)exe refer to yaur Benehts Guide. EQUAL CREDIT OPPORTUNITY ACT NOTICE The federal Equal Cr ciat Oppcrtrtvty Act prahrbns crednors fram 0smmirutirg against creckt applicants cn the bxls of rxe. color, religion, mtiorul origin, sev. mxrtal stxus. age )provided the appkcxe ta. the capacity to enter Into a binckng contrxt).- because all or pan cf 0» applicant's income derives fram xry pcb)ra xaistxxt pragranc ar becxue the appliexit Ius in good fanh esernsed any nght under the can.uner credit pratecuon Act. The federx agency that arkrvrvst«s camp)text with this bw concentng Bank of Amenti NA, I CO N. Tryan 5trett, Ourlctte, NC 20255. Is the guitar cf Crrvatr»r Fvuncul Prettnian, 17CO G Street NW Vlas)srgton, DC 2$XK YOUR BILLING RIGHTS This notice tells you about your rights and ow rtsponslblgtlts under the Fair Crtd)t Billing Acc If yau thrk thert it an tnor on your SIXtmenC,wnte to os at Bark of Amtrica P.O. Boa 902234 El Paso, TX 79990.2234 lri year letter. give us the fcgawirg irfornulion. ~ BEERLCL10freeatm Your ruir» and xceras runt»r.f)REIKQLssg3'he deltsr amount of ti» suspected enar. ~ f)~f~)Egm If you tlvrk 0»m is an error on your brit desmbe taut you believe is wrong and why you behave It is a Iilisfakt Youmr tcontxtus ~ Vlrthtn 60 days after the error appeared on your stxemtnc ~ At lext 3 txa«ess day: before an x tarried payment is scheckfed, i( you ware to stop paymert on the entxeat you t)srsr is wrerYI rvtv 5 vi d NCCCCE'EC You irsut notify us of any potercial errors Innr, Youmay esp m, but If you do wear« not required to Investigate any pctential errors and you may tave to pay tl e arnounc In quesucrt Note It Is very helpful If your letter Indudes the trruactrcn date and tie reference number for the charge. if arruiable. Vlhen we receive yore letter, we must do two tivrgs 1. Vathin 30 day. of receiving your letter, we midt teq you 0 at we received yow letter. We wrq ai" o tell you If we tave already co»ected the error. 2. Within 90 day: cf receiwrg your l«tier. we must ertl»r conect the enor or erptain tO yOu Why we believe the bill is correcc VIIvle we uwestigat« wi ether or not there Ios been an error ~ 'Iqe caiE«CS try tO C cd act the arnot«t In question, or report you as delinquent On that~ ~ The charge in qE»stion rroy remain on your staten»rc„and we may coicrrs» to charge you Imerest on thac amouvc ~ VAle you do rot have to pay the~ In Cumin. you are responeible for the remainder cf yoc«balance ~ We cur apply any unpaid amoucc agaimt your Total greckt Ur» Aber we fiivsh ore mve:tigation. one cf two th«Y» vcq happen ~ r You will nct tave to pay the +nant In ta»stion or any lrccrest or other fees related to that ~ s You will have to pay the wrcra«C in question, abng with applicable Interest and fern. We wig send you a statement of tr» amount you owe and the date psyn»nt is ck» We nuy then repon you as debnquent, Including to credit report «Yl agencies, if you do not pay ti» amoc«t we dunk you ows. If you receive our eccpianauon bcc stig bekeve yoc«big Is wrong. you mtrt write to us witl in 10 days teging us that you sall refu:e to pay If you do so. we caveat report you as deknquert without also repomrg that you ue questiorvng your biq. Vie must tell you the name of anyoi» to whom we reported you as debne»rt, and we trent let thme orgavzations know vken the matter has been settled between us If we da nct fogow ag of the rules above, you do ncc tave to pay the first $50 of the amorsrt you question even if your big ls terrace I I If you we csssatisf»d with the gooc or services that you hac» puidcased wth your credit canl and you lave tned in good faith to correct the prcblem with 0 e merchant. You may have dvr ngfc nct to pay ti e rencvrvng amer«c due cn the pi«do:e To use this nght. aa of the foRowrng meat be true 1. The purchase neet have been made In your home state cr wrdwr 100 neles cf yot«ct«rent ncvqng address, and the purdcue puce mint have been mere than 550 fNote Neither of these we necessary if your purdcue was based on an advertisement we rrviled to you, or if we own d» corrpany that sold you 0» good or servlces 1 2. You irsdt have used your cred t card for tl» pc«dude purdcuas made with ca:h advances from an ATM or with 4 check tlut accesses your aecit c«d octo«et do not quakfy 3 You rradt nct yet luve fully paid fcr tl» purdcue If ag of the critena above are met and ycu»e stig tkssatrsfied with the purctcue. contact us In writing at. Kuik of America PO.Box902234 fl Paso, TX 79990-2234 vrivle we Investigate, the s~e rules apply to the rkspured uncunt as dEsctqsed drove After we fimsh our Invr»tigation, we wrq teq you our dec»ion. At that prvnt, if we dvnk you owe an~ and you do r»t pay, we may report you as delinquent. C201 7 Rank of Amenca Ccrpcrnion AR ngrss re.erved. SANK OF AMERCA PO BOXI5019 YRIP1NOTON DE 19888401 9 hen Salnnn Taua Talel I annnee Peynne Due Peunert Due Dele 8884188 $ 18800 06/08f201 1 DAVID PAT8C K GONZALEZ 431 HICKORY ST SAN FRANCISCO CA 94102$EOd 8 anne nee Ann etUcge aiel&e/8 neteee 0'une ermine LJ nance nanna et nnnnene ni en ninne ~ ne 1 ne eneen enn8 nial ine neck PNelw n'eHI el enenee PAY MENTS - ws t»at ieaas atyu»e os se to dae»co!orb» te fo»»«v yt)»ou»d le 5 arc Ncd a~ «de adcua» t»ue a te re»Rosa y»NN ot yoa uueesy tteeoeo pl tace » to 4 docs cbac» N bc5 dca»I oo ~ ct5 lb»rute Iuotlose lu 4 ll5 tear u»let Nd» ocd g Isla N Ito»aau aruarcc» ere ety lte IN»Ra!ca fcroor ce year sc«co»o arouse«se» R,~ !scar»Nay ued sts» 5 ouc Rcd au» «dere»erato stoa» e Ny dsy acb»u» te ossa!No yb» ybr». los eet odelur«u»«ea Iaa»»es»uooa. a« te Noded as ol te r»N dty tsy»NR ul«N lu4ta N ay face e» I» cl«y lad lt ct te as» OI Iscoal II la»la sy 5 ye! cea»4 c»et IN aoy sate sr!Nese t»y bo «salad Io « le ORO c«l aat»ue u»da aet at Noes N 4"lt Nd Ttaar teel local a«ety Ia ««s«d Ne I «kl Idl salad«yc5 I«aste»c ded Ic» Ns as ar scca»I Nd saa ltacao al".cut ee I«o suttee ss«eol ol cue ol oo 5ao« Orle«o yo Naca» e«c ~c dodo oco»scaly te «ed do eb«»uu» bat» e taa It»ca Caco cracy a»etc«ca» ease I Ne oe» Naca»ac baca ONIIN ye toes« R « I clara N ers« Nilly yu»R uey le Necaae I l»l yoa accraao «ua» « lte ON» aty ue»cso» yar ot~ ctecsl 4» a«»oe»d «»al fN acus eoureder N « tae Ite s»colucc tl/Nl I Nut»a csf la « te raecÃ seta N oe rept » lou a«4 eeorbed 41 a! yay yaur osdt cite be N»aatdcsdy It»ulcer! taw»I cs It»calle «ceo I eet so tcu col Noa da yayueo Nl Ny N»aot sa t»a R ucr»d y4 lee wtu«c tas NI»r oa«»eca lo « la«t t«a tac»o«days la caste aoe»dc ost« I ~ tcuaako a! ocoa Il your b»lbrf adore«ar Cw»OCI IOIOAHRI4» yr«dlNlg04 Or ly yee oddhN4 Is lcletacc sa R steals se IHI ~IIL »waco treads oa ca»ace»» bore ktcyecs l keo Code k koa Cade fr Warl tt»re Bank Americard'AVID PATRICK GONZALEZ 431 HICKORY ST SAN FRANCISCO CA 941024608 BanknfAmerica ~W Customer Servtco Intonoeuoiu wsnsodootenvttcacdii I.IXX1421.2110 TTYI 12XG3463178 Sich klieg Ioqulnes ur. Sara or Fmeika Pas 982234 Et Pno TX 79998.2234 Meh Peynwee tsu Bere at Arseoca FG Sos 15C19 WLIertrtn CE 1988rr50I9 M 17 tune 11. 2017 Accouice 2822 Account Summary Prevlaso Balance Paymercs and Ott sr Credts Ptathmes and Adtustmetcs Fees Charged Interesl Charged $584069 -$ 3CCCO $ 1575 $000 $126.91 Payment Information I'ew Balance Total Csrrerc Paymert Due Total Mitvnean Payment Due Raiment Due Date $668336 $ 192.00 $19230 07I2017 New Balance Total Total Creckt Line Total Credt Avatlable Cwh Credit Line Pat\tell Cl Credt Avatlable far Cash Statetrent Oostng Dace Days M Bihtng Cyde Sr 68336 $71XCCO $3IE64 $210000 $31E 64 OEII I 72'17 31 Ifycu make no addoonal durges usmg this card ard each nenth you pay You wth payoff the balance shown cn ttvs statement In abo.c And yau vah end up paytng an Mtt mat ed total cf Late payment Warning tf we da not recetve your Total Mttvneen palmate by the date Inted above. You may have to pay a late fee of up ta $37.00 and yeux APRs Inly be Increased up to the Penalty APR of 29 99%. Total MlnImun Payment Wamlng If youmake only the Total Mtntneen Palmate each pened. ycu ush pay more ln Mternt and lt vah take you er ta off balance Far ~ le Grey the Total Mlrvneen Paymerc 22 years 36 montlo $17.fi54 CO $9,144 00 (Saut~ $0.51000) If you woutd hke Infonnatlon about credit counsehng services, cah d66a00.5238. 2b22 BANK CF AMERICA PO SOX 15019 WILMINGT Otl OE \ 9885.501 9 taor Setdce tutee tctet taieoeeu tetsnele Oue Ptnleere Oue Dele 9EEIM6 $ 192.CO 07/08tr2017 DAVID PATRICK GOIIZALEZ 431 HtCKORY ST SAN FRANCISCO CA 94102-5808 frter convert eiiveeu olde tlov eu e osdvv d Ioooiueorose Iv tndlll lsrioos~ noose trouve er rsrvreov dl ne dldee oso w4 ess duoso sure ssn neu decL cnew Lr oslo ot eootue~tater IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYRIO RfmREST - Wl W'n rOC 0 Xgt bttrht Cn Atdklses anti ~ rew xxerrwo lf you pay tre hsw ELILme foui in Vl by tlo PJynsnc Cue Cwo. ard you I'ad pa d k tJl by t4 presroca Pair«no Lo Lxe. Wt ssn begs charged hcertx cn Blkmt Two ~ 5 %0 cath ndkcmes 0$ tlo 1ranuxdcw dict. TOTll RITE Rl'ST CHARGE COMPUTATION ~ Irtcrew Cforftss x«LO KX acec~ OS a do ly ot«L To delemsnt tha kserest Chwgts «o lnuhiply each BJIme sallxt lo hiesex Ax ~ try h\ acpt ubk cany Fe"odc Rxt ax! nkx resut is mun Fled by b4 rurbtr at days h I4 bitrg cycle. To detelnww $4 toul 1 .crest parne Ior C4 Uxrg cyclt. we xki nw Foncdc nxe Irtwho chwgss I ogtlle . A Lssy Fonodc le e Is cacuiated by dudrg an Arsual Psrterttsgt lxe by 3$~ HOW WE ALLOCATE YOUR PAYMENTS - Fat«knot are alocat td to posted bakhCOL If phr XCCSrt 1$$$ CJLmes wnh dill ert A"RL we rs Jaecwt nk Jmauls Ol )OLI Pay«oct tnLJI tn nx Taut kilo«km PJP4rs LO to tte knox Asn MLmts f nc Fsxkssrg trxsxtl«s made aller nls xxemox) PA$4X wncssts m exass ct yos Taut Iiswssn paynwrs Lo win bl acpsed lo balmes wits hfywr Apns before bakxces rcn l«ser AFAL RJPORTANT RIFORMATION ABOUT PAYMENTS BY PHONE ~ Ynen us rg no opncral pJpbxp4re sentca, y«I auctodtt us ta h Jxe an electrorkc fktynors hcsn your xcast x nw Fskmkd hsucktkh you deug an~ You mot a ctorkt nw a«ccrc wsf thong of each payrnnSL F«your pr«xl'cn. we wnl all fcr Seculcy k f~ksk A tee may acply for exsdled sar@ca To ca«el, us us before the Schnkled paymert dace. sa4sky paympos cwmls bt wilec or carcekcl YOUR CREOIT ERIE 5 - T4 Total Credt Lbw ts tie wncsss of credt awLxe for $4 xccsrt, hcwetwr w ly J porikm of ply khwsxk for Loo Gnh A«creen The Cash C Std I Lire is ttat an«so you hacw au«lack fcr Bark Ghh A r«XJL CorerJny Lwk Cans Adnmtl CCXLX Of ATII Catt AwmeLO rn Came (OTOGXhfukmh.S Adxmeh Olonnah ProttCUOI'hh Adscmeh Chh E«IWPWCS lull xpsca«e trJrsxt on fees MISCELLANEOUS ~ Aomct anal Fuxe Erd Cate: Tits dale ls based cn a hast Itxlmw I cent'g dale. &f you O'Jrge yws papwo dut CJIL ms dxe couk! charge. Hrtual cards art ttt dgtal fcrm ot your etgble ctyscx crwsl cxds xored wrdsn a dgul wti OL CALCULATION OF BALANCES SUBIECT TO R(TE REST RATE Aw Jgt oint Balms Ifethod pllckdrg nhs urdksses) ws cdculxe secor«a Bacmes Sub)ed I o an btertx le t for Aschsles ard for each htnxbctory or Acrncdcsld CI for bacme co«L'xirg of Aschtseo we al tks by p) u'CuaJng a dasy batme fOr Oadl CLIF h tlx baisg pick. pl addrg an tlo dany bdcmts Iogw4« ard pl dkrdrg do xsn of me doiy baknces by tre rsswkr of dayi h the bnsrg cyclt, To ukkfxa do daay ba$me for exh dty In ties suttmwc's 4alrg cyck. we {11 use tte beffrrsng bsknce; p) add an wnckss eoual to lhe applxable Lyly I tl OCIC nal~ rnunlrltd by tht Prhttut days daily bakmt. P) add ntW Antesn row lccckss tech asd low Trwnxlion tech nd (J) subtract accllcJbk poynwss Jnd crtdts If xy daoy ballrce Is Itis lhnl taro we Irtat It osis IL Asenge Bakme Vtdwd PIXkctrg row Balarue Transfers and row Chh ikwmelk we ulnlxe sea«ate Bskmel sub)ect to an oscrew Axe for BJCme Tr«SIKL Cath Adumeh and fol exh Irtrodudory or Promocional Clfw ba'xot condnhg Ot Balantt Trwnfers or Gnh Adusncea We do dts by v) caxliatky) J dasy bakoca for axh day h nss su tmerc's bnnng licit, p) u&skx'rg a nosy bekme f«ead$ dly poor to nss stal emers'I bow g Acle n x had e 'PltCycb baiarct'. a PreCycie balmt k a Balane Transfer or ~ Glds Acksme rln a trarsactkÃ dx t plop la tws IIJI tours s bnnrg cyck bLS ~scn a pent'sg da:~ santo tits xxemersSI Nnhg cyck: p) Kidrg ao the deny balmes tofftdwn wkf (a) dhadng t4 xm ot tlo da1y baLmel by tlw runner of days h tws xxemarcSI bnnng cyck. To caxLLxe tte deny bauxe for ca+ day h ncs statenort's bineg cyck. we. (I) 'uke dw begrcwg bakme; p) Ixkl an xnclso toual to lto appocJbk Liny penod'c Axe lnuhipsed by tlo prhf lsd dJy s dany bakmt; p) add new Bakme Trwofwh rew Cash Ad«mes and Trwnxd«$ FJOL and (J) suks ran xpruble pay«orts xd credts If «Y dssy balaxe h less than taro we trt« It Js tens To CJICLfxt ~ duly be'ance for exh day plor to nss xxemeto'I bnsrg cycle tf« tda Ae-Cycle bakme (I) we uke I'o begnwg balue axribuublt Kkty to pro-cyde balance isfsch sdn be telo on tto t rwoxtkh datt of the nrx Atcyck bakmeb p) add an wncsso eocsx to the Jppocabie Liny PedcdC n«e Ssxrnaed IY the Preuad day'\ ddly balms (3) and Jda Only tte apcccable PreCyc'e tkyxcas and noir related Trwoxl ion FOOL we tsdAt fresh dss caxllxlan an tr«toxd«$ pentad h ps«fora hnlrg cycks fo do ccsnpkce ttnns xd conan«o of toss accoLCL co«oat youl Crectl God lg eemnx TICS xcwsc ls Issued asd xrrasxertd by FIA CJrd strurcts FIA Gsno Senlces Is a Itgxered trademark of f I A Card Sana&as KSdfor Its afro«IL PAYMENTS ws o«sl s Jnsd toxin sl ca deans wcwwc d os~ k ll ) rw«wo ks 5 am ksd on«K o«sons« sr«un w o«rsninsnw s«om IJ isur rrks osy Itswmmc fy) pd r* J deck assn h Ill Ikdsl cn a U 5, nnvcka hsollow v J Us ansr rus«r war. Ow oi slnl w o««turn erwksw «nn wet oo rsmlnsnct a«om sl f«s $$$$«rust~ ls pslmtnu rsuswd ky mss HO$ 5 om loc«os«st do swvnsncs soenns cn ms oss sskssrn oo sslmsrs ckn paw b t hsl sosnsrw s«w os Kow rsoansnvtL «w I» usdwrl ss sl os rosl cos osrmtsu msds craw er kl sire vo I» nod«a $$ ol oo asw ol Ores« ~ swsr $$ 5 om csrox Cnldl Iw tsf Icier $$$mmu sol lo asklse ra ol Ihs drss cssk asfmmu msds ra sv krssn w pu v o tsssr kru laui «a wsl ts susc\or o o wad iss sac«les IX) hs sslnom oss wwsw ss ~ Jccwd ud wodwom vmut es snw rn«n Icc«nd el w«sl wsssros Clk C«$ Oo InÃms swx assmsn crwkt sscllelcssl kt uwa oo OJ«msom hssd cn Inv chnh CKI dock nsrwuw ls ls uww s wwoso $$$$«ww hmn ows w Iu pwsu n sl ~ dod Ir wov eelr, rsnw mst ks voskwm Inm ssv «ress h usn w os ~m«osy se «cow psr aopmm O«do ws rot wwswt $$ so tw nws ulwsoow Is D slw os skrcswlc Isoi \ «SI«L wo $$ w e«rsnem Is«du os hwo n pw lwo aoonwc us w psl yns usdl wl kd aunsocsoyhon y!Lr Swuds sr docurn Kcost «nl'L ycu IÃ Iko oo atimns en JSY on«el pw dsm II vcsg To slot ass«one p«r kris'«u sxl r K Imsl osr !soir«is drll lshse oo ansnsx asynrnl ls Icrwklsd ol KILC ll sow hanna saasw «sunset hknnslkn hw chsna«L or x yws address k uuswct ss lt son«us sn ds$ 4n. Passe arssuk sn csnwsksw hsm Adcktss 1 ZP Area Code l Area Coot ts Transactions Trarsacdor penv.g Once Oa:e Cescrlfder 14fe~e kcnet htne»r Arrvurs Total Payments and Other Credits OECR C&CR fyv re paymnu fram Cvg 3 7820 2822 TOTAL PAYMENTS ANO OTHfR CREDITS FOR THIS PERIOD purchases and Adsttnents 05I23 C5'2a CCI.LAT TOLL CHARCE 877.759.5823 CA 871 ~ 2821 TOTAL PIIRCHASES AND ADISTMMENTS FOR THIS PERIOD 15.75 515.75 Cfft 1 Cgyt I Cgft I Offt I 0&91 C&1 I C&fl I C&/I I Interest Charged Ihyf Rf 51 Cl'ARCED CN ICRCVASES Ihyf REST CI ARCED ON 8ALARCE TRANSFERS IhIERf51 CHARGED CN OIR Cfsr CIA CASVA"V I Tfff51 CVARr&EDCNBAhRCASHAYANCE5 TOTAL INTEREST CHARRED FOR THIS PERIOD 12&92 aoo aco aco 5126 92 Tcoyl fees cfwged In 201 7 Total Rrterast cflarged In 2017 511100 $78900 Interest Charge Calculation Your Annual Percentage Rate 1APR) Is tl» arruud tueren rxe nn ycuracceurL Type of Balance Transacnon Offer IO Type Prernodonat Rate End Date Ba4nce Subject to Interest Race Interest Charges by Transaction Type Purchases Balance Transfers 21.7attV 2Lyaruy 5 &873&2 5 12&92 aoo 5 Direct Deposit and Check Cash 2Lyaur Y 5 aco 5 aco Advaruas Bank Cash Advances 1 5 yah y aIRI 5 aco Nl Tyre oefrntlars only ucerrsc Rne Tyco v vartrt4 I4'.e pne mry vcryj Psuv I ar ~ I BankAmericard'AutD PATRICK GONZALEZ 431 HICKORY ST SAN FRANCISCO CA 941026808 BankofAmerica ~W Customer Sortkn Inrormttlotn wwwhreoramrrica c tan I.BO4112110 TTY IAD03463178 Mall kllens Inqolrles ttn Bne of Amattca P 0, Boa 987134 EIPno TX 799981134 stan payment ttr. Bnn or amrnca P CL Boa 1501 9 Wtmvtrm CE 19886 501 9 11 ~ lutv I I„2017 kccrrnr 2822 Account Summary Previous Baktnce Paymerts and Other Credts Purchases and Adststments Fees Charged Interest Charged Sr 68336 -$150AD Leo $0AR $12t25 Payment Information New Bakvtce Total Ctatant Payment Oue Total Mt tormen Payment Due Paynvrnt Oue Date $ 655461 $18500 $ 18500 08 CSt701 7 New Batsnce Total Total Ctetkt IAne Total Credt Avadable Ca h Credt Line partlan af cretst Avatlable far Cash Scsterrent Cktslng Date Days Irt Bdhng Cycle $ 7JXC00 $44539 SZICCLD $44539 07/I I/2'I 7 30 Ifyau nktke no addtlorol charges usktg tres card and each march yau pay Yau wgl payoff the And you will cnd tar balance Arwn on this paying an e Drnated statetnere ln abacc total of Late Payment Wamlng: If we do nac receive your Total Mtrnrtsan Paymtent by the date Inted above, you may have to pay 8 Lste fee of tat to $38 00 and ytntr APRs may be mcrea:ed up to the Peachy APR of 29.99%. Total Mlnlmurn Payment Wamlng If you make only the Total Mtnltraan Paytnere each ptnod. yau on9 pay more In Isotere.t and lt eall take you er ta off balance Far e le Only the Total Ml rlnnan Payment 22 years 36 manths $17,443 00 $9.COO CO rSavtrgs ~ $0,443 rXB If you would Bke Informatron about credit counseling servlcn, call d66900.5238. BANK CF AMERICA P 0 BOX'15019 WILMINGTON CE 19888.501 9 :~ m Nen Battmte tace tcur latvnnan Pnttnrte Due palmate Duo Date $ 6.55461 SIBSLD 08/08/1017 DAVID PATRICK GONZALEZ 431 HtCKORY ST SAN FRANCISCO CA 94102-5808 rrttv ttttnrtn nttcarn 9, ( I I tagore aon nv' crwen al mnatu anaom n'vvvto nvmnnn L-I naam trnnrn ar ttocnsrvn trt mr utotna mm wa em otnnnn nvtnt mw rota anom oetonto vt erma ot amonm~ ta r tr IMPORTANT INFORMATION ASOUT THIS ACCOUNT PAYRIO R&TEREST - We u 'I rut &targe Pvrrnt on Rnhtscs an d e rc» »KD«DO If you pay Iru htw (44rce Total In hd &y lre Faymtrt CUO cart. Jad yculadpa'dtrf»l tytre pw«npsymrv Cur C«o.wewiatrg'r dvxfyng kvwt» cn 55lpct I'Jr%re'i IVI cs5h Jdvceve5 on dw Irrs«1! Un d«t. TOTAL RITE REST CNAR f»E COMPUTATION - Uccrc» O»rgas scen»t Kd Kr c rvuurc»d w 4 &4 Iy OK»L To dercmvnr do It%ere» Charge% we «VP&lply t«h ILllancc Sat)ICt 'IO IttPO It l4' ty It% a&PI LK» C«ry Pm«dc 5«e Juf lhK ~I is mun ps«i ty d» iv»mbw of dr/5 Sr Im t Itrg Cy&». To decemvnt I o Iohv I «Ore» 0 Jrge fol r» tnrrg cyck, «e Kxl de Fwkdc l4t ~ Irterc» Chpgel t egal tc . A cany ppkdc l4tt ls calcuLced ty du drg PI Jr%so& Pe»wvagt IL«e oy 5&S NOW WE ALLOCATE YOUR PAYMENTS ~ Paym«VS aa 4%&&«td tO pa%ted talarctL I I yrl»i aC I Catv l»1 to&puts Will'ffDws 4'vtL wt W I saocacr the p«apv of %mr ps%vert eaal to dw Told Il rsnvn Frn»rt (ke to d» k«e» Ml M4«rs t nt (vvbasrg Irrvtnirrs made alter dvs 5Lxcmrv) Pa)rw"I Knurl% 'rl oaels of yur TCLU I/avrvn Fafmwv cul ~vill be aooatd to talrv:cs «i&v I grur Apos be two tal«res «rln kwv 4455 IMPORTANT NFORMATION ABOUT PAYMENTS BY PI&ONE ~ Yp»n Udrg dw opt/a al Fry br&a%re I«Vcr. you «4/»ate us to pvu«e an ~kctrcrtc pJyrurt fr cn yrar Jccart K cht fsvp«IK II55'tallwr yar dt5 g J' . you ir«» «dwrUe tre pncan ard Urro g of each pay«DL For yrar prettet'a. We wdl ast f" r $0&sally «fDm«ius A toe may acdy fK eapedltd %Dulce. To c«voL cas us ttfpt lhe %cht&Lkd paymrv is«0. sar»41y paymwvs can«et bt ed&ed or &K&c»d YOUR CREDIT ERIES - Pe Tnd Credt Ltw Is tlu «nvpv cf &red& a»gat'0 far pw Kraut, however. on'ra portkn ct tl»t ls «»%at» fw fkrb C45h AlcrctL Tht Cash Crtdl LJ» Is d'at am&%ps you td»aaolatlt fcr Bpvr Cash A«ante« Crr»rany, Buva Cadr An%arcs cpvr» Ol 41st C«h Jdupvth cvlr do cource (ofc) carr Jmcrc«L Cawmcay erst» cash Ad%an&Oh O»rcrsrl Rctcnur Cadr Ad«rect Cash Eat%a»»%5 pv! «F5&«pt IIKSJCU rr ftt'5 MISCELLANEOUS ~ Frwwi Dul OK~ End Catr. Tws date ls based w a baror»«ever& rcsi.g" It. If you ctvrgo you pa%mr% ILO OKO. &Ws dne cauld charge. Hrtuaf cards Jre tel dgcx fcam cf yiwr etgtk &rypcal card& c«ds»atd whtlrr 4 dBIJI wd tt. CALCULATRNI Of BALANCES SUBIECT TO R&TEREST RATE 4» agt cavy BI%act I/ottlod pnckdng ncw pU»cl»sts) wr cdcUIKO ac&Jr«r BJL«Or% gut)tn to en Isotere» l4It for Pa&phases and for e«h lnrocunruy or Fronudanal Offer taspve cons's\lrg of~ Hk do d&s ty 0) ca'cltxa g 4 davy tasuvt tor cadi day K dw bafrg cycle, p) addng alt da"y tdarcts toga& ~ Kd Pl dvrdrg do un of tro d«fy ha»rue% ty p» rlrrw of day% Irr tht basrg Cy&le. 1 o cakuLO0 d» oaoy ba'Jive tor o«h dtf In tN 5 x«emerc'5 bol ng cyde, w« (1 ) last tto tagrrsng ta&tnce: p) Kkl an pncapv toual to ttc a&pi«able csffy Fcnodc ILxe nv/lip%ed ty d» prwan day'5 &&ply ta4nce; ()) add new Purd»IIIL new A&craps Perh Kvf r»w TIa«ha&Ion FOOL and (4) uttran Kprcatk pa%mans Kd neists. It any «wly bslarce ls len dwn sero we Ue« It 4% tens 4»'agt Bakrce Lrrdvuf Frckadrg ruw Br«cc Tr«oft»5 Kd new cllltl An»pursy we ca«Livre srpaalr &LIUrvts Sat)rn to an Irtpe» l4te Ior BJLpve Trpvrpt caur A«apart Jvd far escl bvro»hdtory or p orna&«md Cifw ta'pve nrsislirg cf Balan.e Trans/en or Gnh Ad%Duet We do tws by P I ca«If«alp 4 II%IT &41IJ«co fw tadl dly Irl dvs 5t«tn»rt'5 «%Orig cycle, P) OR 4 da/ly br«vo I I tJdl dJF pnlu to p&5»«tn»rv 5 b/lor g cyclt IIK hadI vtrrtyck tsIJrce -4 prttyclt ta&wco I% 4 Llloxt Transfer or 5 carl Anew&0 %aim 4 tran%ann« due peru le tNS x«tmpv'5 toor g tyck tu& «'tn ~ pelt'lag d«0 IIXI» d&5»«rmcrv's baleg &ye». ()) Jddng 45 tho dpiy ha%rue% togcd»n 4%% (4) dv«ang tro han o I tlw dally takncn by tlo number cf day% In dvs scaremerv'5 t/I%I g cyde. To ca«Ilare tte dany br«ve fco eeet day UI tNS»Kn»rv'5 fpt rg &ye». wr (I ) &d t lht ttgnnt g taL»cr, p) add pr Kr»an eou5I co tte appstatic (Lvly Pcrlodc RJIt nv»«INOO ty tt» paw&5/I daFS dJilf tJL«vr p) add ntw Bra»Or Tr«vrwb prw cadr Ad«aves and Trpreen/on Fe«L and (4] at&ran acprcatk paya»»vs ovf crtdrh lf Jny da1y bat«Or ls kss dvpa ttro «0 tre« b as lens To ca»as«t 4 cJIIF bt'«xo fiu tach day poor to tws 5Lxrmtrc'5 bosrg cycle ttac hsd a ReZyck baluer (I ) u«&44 ~ tr» togrant%) beLuvc atl rltaaatle so»ay to pr~-cyde bdpve (wakh «ls be cwo on tto &ID%anion dal ~ of d» Fnl pret&&» ha&«Orb p) Kd an pn«n tca«l Io dw appocatle cavy Ftdodc AXI rvllrpatd LY tl» p»W«d days «lily to&put: ()) rrd JCkf Orvy tte Ksv &K» Pre&pc» ba'KXOS «vf noir related Tr«ssnlwi Fees We ~ KlJk 'frcrv lhls &JtcLLuiorl 44 Ir«san local po»td Irl prtllou5 bda'g &ye let Fc do comp»re leam% pd condd&rs cf your a&court, &ID%uk ycao Creat c«d Jg ctm»L Tws Jccap& ls &%surd pvl «%roe»wtd by FIA Gird Srrvr&OL F&A Csrd Spvlcesis a rtgi»ertd trademark of FIA Can! ServIces and/or Its atra«OL PAY M ENTS ~ sw D«s I nuke»rmns as of eo»r «c«»L If co pl%mr& IC II I «arwd Iv 5 sm sud ww K prr II»at%1 roan Dl Ito rur«i«»co I%au» cf lour nap o»s trauma ol 5%0 «Irr ~ deca d I«" Ir''5 IkA«0 ~ U'5 nnmdd Irvou opn c» I U5. aria aw«I Dum lns p) Iuv ar Ou O«m «vuw« Vw Ptr re I««rurco pr5ar ot paa auunvt KcwpryrdI& par«ra «cm«if ormao K'll I pm leal enu Ir au ra«%nar«a «%Do« e Duo%I Irchas«4 e«par«ra &au taut. Ua eet rcvv» weel re uo» «ovi am«vs va lo u«5«e al ol pe ru«pav par«va «wlr araro D tv phro ««ha o«sl«I K cl p«duo rl «c«cr If au» %1 5 5 m &v«K Crawl hu ars 00»»mr« mtl ba eau%ac ae w lava dars C«h pa%mr« malt «I lb po wears D 4lu vr &asar Kau talk «K Drt ba wrac%ad «re I »sr IP«'Ononlp &C'u»mr&rdi olo Ir K p Kcore Dd isa llapw vtvla du rior «mu«a&and ol D«rl «I 5«vr Lvarvs wo sr%eau ncu harn«I d«du ac&«Oar»l vy lord pe «Irma«r kant u pv d«ck Ead dva «orw DI w «c«au a D«on«au&«DK hnu ruurv s« pnuo« b K I dws p puv Dtn) fvch nuv lo ve»aw fun I«r Kcraav K uw «p« %»«dal «0 «Iol» yar prrnvc o»41 I«rlro «%raw ~I I« fr r«ac «rrr«vm D Ol WCP Pu aucuwa& Ir/OI ra»sr«L CJI IO K PO ranW 5ual P te hwc u la«ha» I«nut»ed lo lo Iul lcu uorlt c«0 ul «omusaoy h««%rara wvdl p dora«4 «cruet vw %5 tr« cm leap po Krnrt ol DY u«art yw r«t II vwd fa ~lup p«rwrt, 'parr ktv r«K «ad'u It I«a%i pwe hor«%l oayl aar«o eu «»a«roc pornrl u urer»/K rKnr. Ir«««rat al Il epp«a«orl dos bllL pko» Prov«k so cwronlwl llwrl address 1 Adrvtss T Arcs CK!c 4, 4»M Coco A Wsvr Rvv» r ' ~rerrr Transactions 'Trarsacdor Potted Dace Ca:e Ceccnpcsnc Aeltaree kccars hcnecrr Arnocrs T cod Payrnerns and Ottwr Credits Cl/CR Cl/Ce DlneoaynurelrcrnEHK3 TOTAL PAYNE NTS AND OTHER OIED IT5 FOR THIS PERIOD I all 2E12 25aco Cln I clnl Clnl Cl/11 clnl Cl/11 C7/11 C7/I I Nearest Elurted IN1EAEST EVAACEC CN ILtKHASES INTEREST 0 AAMC CN EAIANCE TRANSFERS INTEREST CHARGED CN L'R CE PACHA EASHl "V ll.'IEREST Cl'AACEC CN RA.NK CASH A"VANCES TOTAL RITEREST CHARRED FOR THIS PERIOD 121.25 QIKI aco QCQ 512125 Tcctt fees ctvrged Ac 20'I 7 Tcctt Intere:t charged In 201 7 4 I I I CO $87Q25 Interest Charge Caictliation Your Annual percentage Rate IApR) le oo arm@I terre/anne on yrnr actocec Type of Ralance Annual ~ Pnonothncat Percernate T nvsacSon aller ID Rate TNa Prcneodonal Rate End Date Ratsnce Subject to Interest Rate Interest Orarges by Transaction Typ Ralance Transters 21.99% V 11.99eev 5 R7GR72 5 121.15 5 QCO 5 C.CO Direct DeeoslC and Checlc Cash 21.99er V 5 QCO 5 QCO Advances Racer Cash Adeances 5 QCO 5 CXO AFR Ty ~ cele'crees easy vcrrru Rota Type v vorLhce Rue tace rrcoy tery', Pter 3 ol ~ C ' ~Nll I I 2 BankAmericard'AV"0 PATRICK GONZALEZ 431 HICKORY St SAN FRANCISCO CA 941020608 BankofAmerica ~M Customer Srrvkr Infamisoam wwwarssfawrriraram 1 ICXL41'12110 TTY 13003463178 lasll sf lang Inqufrles ur. BYS cf Amriua Fae 982234 fi saw TX 7SSS8.n34 Msl I Payment to: Bre af amrnrs P 0. Siw 15019 Wkuitran CE I Sssfi. 501 9 12 ~ Assur 11. 7017 Accurse 2822 Account Summary Prevlaus Babnce Paymerts and Otf»r Crmkts Pirchases and Adlcstments Fees Charged Interest Charged 5655461 -575060 @ca $3846 5123.tl Payment information New Babnce Total Cirrart Paymers Due Total Mirsnsrn Paya»nt Due Paya»rc Due Dace 5f,46678 $ 72460 $ 124 CO CSR7017 New Babnce Total Total Creckt Une Total Cred t Available Cash Crerkt Une Portion af Credit Avaibble far Cash Scsterrert Clcsirg Date Days Iri Billing Cycle Ss 46%78 5733000 553422 57.I cccyt $ 53422 CSII I fl017 31 lf you rake no addltlanaf You will payoff the charges using dos card babnce shown on tfss and cadi mOrth ycu pay mtement In abaca And you vs 0 end up paying an esumated total of Late Payment Warning: If we do nat recefve your Total Mintnssn Papners by the date INted above, yau may have to pay a bte fee of up to $38 00 and your AFRs may be Incremed up to the Penalty APR of 29.99%. Total Mlnlmum Payment Warning. If you make only the Total Minlnssn Paymers each penock yau vnS pay mare In Intere.t and It wf 9 take you er to cff babnce For 4 le Only the Total Miitnssn Patn»nt $247 CO 22 years 36 months 517,117lo $0,092 CO (Savings $0225 00l If you would like Infonnatlon about credit counseling services, call 0662(XL5238. BANK OF AAIERICA P 0. BOX15019 YrttlnNGTON 0 E 198885019 :~r New Bstuvu Tater taut sarsiisrii purr»re Ous Pmriwrs Oue Cele 5646$78 5224131 09/0872017 DAVID PATR CK GONZALEZ 431 HICKORY ST SAN FRAIfCISCO CA 94102.5IOS Enter Oernrre amount r I asses swv er ~ rrurrs n'mwsrrusrsss o rnwu nwruwsLJ nurse muwu sr nwwsrru ur sw «uusr uiu. uss sss Incus ~Iwlt u»I Isul uwss ssrssu ur ssrw Ir liwwlru~iaiir IMPORTANT INFORMATION ABOUT TH)S ACCOUNT PAYRIO INTEREST - Wt wil ncl Chwge astro«m Fuchsia% wr lr» ner. staremerrt lf you coy lr» I ew Bararct Toiaf In M by Ifo papwH Due DKe, ard ycu I Kl pod h VII by II ~ provwn Paynps Cut Dart. Wt wlo btg'n chpgng lrl'trt«cn Pal«et 1»rsrtrs pol G15h Jdrorces on lte Iran%aryan datt TOTAL P(TER&ST CHARCrE COMPUTATTON ~ Irsere«CI»gts Jccrso Jr%I are cryrnuysdfed cn a CJ Iy btuk To dtlermlr» lye Irsere«&hpgts we nk/Tip ly tach Bakrce Slc, rcs 10 bc we« fixe cy II% tcpl elk4 Copy Fe'locfc flees K5d drh resurI 4 ~r p0Kf by Ito rspc»r of days h 0» 0 Tftg cyc4. To dtltrnow lhe lclal Irlt"tc: Crurgt for tw bal'tg cyck, we ads II» Ftnoryc Ilxe bsere«charges logrrfer. A cany Fpkrdc Rxe 4 I/ocul«coty clvdrg an Jrrsrd Per%outage Rtlt by 3&S. HOW WE AllOCATE YOUR PAYMENTS ~ Faymmts ar~ a%ached IO pc«erl bokyxts lf FLJ acrcurs 1»% balances Vlh dffhws A"RL we wo aoocho II» arrounc 01 ylur cayrvrc coup la lf» Toc« sr rsnsrm pJyners Dus 10 d» Icwtsl AFR btlvctl fir%1 Frckrchg lrmsaci/PS rr'Jdt ah tr Irrs ssxemps( PJ%n»rs Juror%5 In tsetse at yua Toed vesnvm Paymrps Cut wnl ce acpsed 10 bs'areal WITS Hg»r Aks btfore carpets wllnkwer A Rs. IMPORTANT NFORMATION ABOUT PAYIJENTS BY PHONE ~ Yrten lrs'rg If» opl w»I Fay»YPncte strvrct, ycu JJH'rile lr5 10 sv'i«t pl ~ leccrank Faymers frcm y u accocrs al II» frsvslal osc\55uh you doug«'b You must oral»dye I"e an.can Kd dnwg sf 0»h Faympk For yue proltcclol. wt wlo JTL for 5tcurlly 4'fcn Jrlori A 40 nwy Jcpry flu a«edit» 5trvlco. 1 0 coxtl, cdi 05 ocr " t d» ~td paymps doch spw %sly paympcs op%wc be hyl td or creoeltr YOUR CREDIT UNES ~ Tre Tolal C/edT lp» h cw pwnrc cf trodi hollacie for lf» Kccsye. however. On/y J ponlon Cf liat ls anal«le 1 r Bark Cash id%once% Tl ~ CJIn Cree: Une Is ital Knocrc yes/have Jwyitck 1st Bark Cnh Adrarces Cur»rosy. Bwk CJSh ACWPCCS CIKS«af ATIJ CaSt Adwecek Ouw Irw Ccseltr (CTQ Calf Ad%co»0k SunhCJY Cvsnt Chf Advoxek ovprn are Frorecdpr Gnn Advaroek cash Ersfudpsk pd JCPSCJClt Irpnacdon fees salscEllANEDUs - Frcmol anal la e End caco THS date 4 cased aha haure «atemerl do% "g cain If you cfsp&o your paymrns duo d«0, IHS cate cauk! Chhpde. The hew Ba»u~ Tolal wHch roceps m dvs «Ktmps Is rel ~ payoff amrnys pd nwy be OA«cl to addllw al Irc ere«cnpgts ur»n par pay h AA afler ycl.r «alt~ tie%i g dxo Pease cw ~ lt» cs«rhwr 50&50 rsyncer brcaltd or lfe frps of IH5 «Kemps for 4 psy-cff pwspL Tflluar cJrds Jrt tt4 clglJI fore% of pwr togbk ptydcll crhfT cpds «wed wl m 4 EFfyraf v»dec CALCULATION OF BAlANCES SUB)ECT TO RCTE REST RATE A»rage Dniy BJLvct sftlhod Frckcyryf rww purchaws) wt calorslk septr«e Boa%co% suc)OCT 10 an lrtere« lkl e for uurchs%4% and fw each huodu«ory or Pnyvcdond Cfftr Marco conu«lrg 01 C/thales Wt do THS cy (I) CJYIJ«hg a dsny becvce for axh day In I » bnrng cyck: (3) sdrprg ah 0 4 day bdaro« fcg«'»c Jr« O) diyrytg d» hm af cw deny balances try Pe rspsrw of city5 h lf» bdSrg Cyck, T a cavil%re c» any by»»0 for 0Jd dty h IH% «JI su»lc'5 tyll rg cycle. we (I } case d» begrrlng balmce (Tl Kki an pwnrs ecs»l 10 d» apposable Dany Ftrlo!fc RJlt nc/Ikstd by tf» Plhfoin illy'5 rldry bsfarch (3) Kid ntw Purchhek rvw Iccrhec Peek Krd new Trprlacdcn Feek and (4) DCI/hs ~CP 0Ctbk psymers5 Jnd credio If KY da/Iy bslsrc4 IS 10%% duh tera wt lrt K R 05 tens Aw ade Bakrce Verhcd Frckrryrg ntw Bakrc0 Trprsfor% ard rww Cwh I We Ml«lne Sepphe Balances Srb)ecc to an lrctrtsi lkl ~ TOr Eacmce Trpsfhk CJTn A~ok prd for exh bsrochrctory or Promollonal Cfrcr by/evo Cry%i«irg ef Balarce Trprsfers ar Gnh Advances We do Css by (I ) caxsf«pg 4 daily balaxo for axh dly In tHs «Kempo'5 bllsng cyclo, (1) cdculx rrg a doiy basvrce for 44th dty pnor 10 IHS «a:smeri's b/I w g cyck Pal had 0 'Pretyck balarot' 0 PrtCyclt btfreut Is a Baloxe Trpb%for Or ~ CJ5h Advpoe Vms t arsacdrh C«t Frlru la IH5 «ÃtmenC% blltrg CyCIt fnt wnn 4 prolog due wlrth ties ILutrntrs 5 bnltg cycle, (3) adcsng to tht dally bacurces lcged»c KTI (al drkyrg lr» um of lhe dally bdoxes by 11» I%arbor ~1 dayS h dss ««Smart'S boo~ To cl'clf«t dw duly babec0 1Ã tadr day Irr IH5 «Kenvrs'5 bldlrg cyclo. we (I } tate Ito btg'rvug balpct; (3) add Kl Knrsyo ton%i lo d» appscab4 DJrly Fenodc RJIO rrsp/pttd by tf» prhfis/I dyys dyly balvct, (3) KCI nlw B«axe Trpnrhk new cash ldvsrces and Tran%ac«on Ftek Kd (0) Ssbsrhi acptcabk ptpwrcs ond crhylk It pry cally bakrce Is less Than tern wt treat h 0% le'l5 Ta ca'cil«e a dal%y bakrve for each day pier to IHs scalp%»rc'5 bllsrg cycle p Jc hsd 0 pre&)ck Casu»e: (1 ) wt Taot lf» btgrmlr g balance hinbraabl~ sokry lo Pnf Cyck btkrct (WHch Wni be ter0 Wr If» lrpn»TIDl dtl ~ 01 lht f r«Pre&yck lulanltb (3) add Kr pnrhvc toual to p» appscable Doiy Fsnodc ILTCO ns/I@ted ly 11» Prhywrs days dBIIF bacorch (3) KCI add Wsy C» tpptcrb4 Pre-Csc4 bdwvef pd d»fr related Transacdon Fees We e wkrco trim dss Catcilfdrh Kl Irpnxdons po«ed In p hymn b/sing CyCles f re d» cryrpkle Terms pd condllryrs of your acc ILCL conurk your Creryi Card Jtptempb TH% accrues Is Issued pd Jcyrsw«@red by FIA Gird Son/res FIA canf senses% ls 0 regr«trwl lrademps af F IA cpd sources and/or 115 Mf.s«45 PAYMEMTS. Ou on%inn%to pkmmuh of 44 orw u»»C 4 oe otrmmr 4 I'I 1 rKpwo sy 5 fur ocJl omr K ev nine%% iform u'e renllcuce Icrorn of yv mrmhry rrhemmc cl) feo vo 5 dvrs warn 0 sls aran% u 0 UL nnmdu hsohem w a Us wa u nwvy wani K» oi svc D ee worn enure» vw orry 44 wnrrur» Prom sr ywr Iuremn'I Knmom%ux rc ttpwms w»rwe by mh arir" 1 om lour env sr ev nmnm» ninon u my ory uduord ev term%re cro csw, ba ovl sevnvw nvm lhs Iocvs reuswnvrs nw le credud as sf lto rvu ary yrympw made sere u sy Iecre vo ne crea%to h rl oe aru K ucvh 4 nvor sy 5 0 m cpwrc crrdl lur py one srymmunuy seoruyso ro w a»arys cwr ovynpn nude vro rur W4erle JTD nro Tsaw 0»u Ialal OK pry lu sr»cwo «/0 s»» Ider0 n»em PC) tw arlmmi por ooptu w m Krcrd ew Qorfwou vtlrl I lrv plot vrlun srwwl cfuvolnr SKSKCItre 5 wr Inueu nuu hvnmr rhrdo e'cvoorcsry lry rnlrd Ite ufpnvooll fnr» m p» decL Euh cfoul wd»rlei rn w oorw s rve.wre Kwvuyc Lyvh eovrp lor pc»w 0 ss ~ crees w puu ovrr) fvvh mrs tv ve»mr Inm vnrr snout 0% v» w ev svv ruy vo rs»l» your orrmm5 ones% tw nw »turn»4 w yn fw n»e urmnrum «w ww 44 ~ ecemu freer Op«pc cra rn sl 44 wms» srwt m 44 hwc If you l»w Juo»rud us w pry pnr otdl on! od hen»trsoy hu yna Iavrdr K raw%mt «curn vn uc yrl rar rnv ev rvynrre m KY unnm yw Ovk u vwo Ts ~lop yepwnc pse lent nnnl worl w sl lulsl ores Doevw ruw servo 4» arrorwK sep»s b %don/vi w orrv If your bdhno wkrels er cwnws hfervhkn h» dwnsed er If your erkrew ls reer%Oct 45 b spec»!I 4rr oes bnl pke» preudr 00 owrvcllerw lunr Aocntss 1 SINO Transactions T apsaoks} pa}tlag Cate Ca:e Crttnpllan Paymenl s and CNhrr Credits CyLC9 CBCS Cr} ne eayrurc trans CHR 3 TOTAL PAYMENTS AND OTHER CRf BITS Fait YIIIS PfRICO Rrle cree Acceac kkneur 1811 15000 wyscoc Fees CBCB CBCS LAlE FEE FCR FAYI}ENT CLE TOTAL FEf 5 FOR THIS PfRICO CIVI I CB}t I Cg/1 I Cg}I I CBII I CB,'l l CB}11 CB}l I Interest Charged INT ERE ST C PAR CEO CN %%CHASES INWEREST CHARCEC CN BALANCE TRANSFERS INTEREST CHAACEC CN C R LE FSCI R CAcr'ACV lhlELEST Cl ARCEC CN BAke CASH A"„VANCE5 TOTAL RITEREST CNARCED FOR TIRS Pf RIOD I XLI y aco ato e(xl $ 123.1 1 Tctal fees charged ln 2011 Fecal Interest cttarged in 201 7 $ 149 00 $993 42 Interest Charge Calculation Yue Armed Percentage l4te IAPR I ls tiu arrsrd Ittemtt rne ns yccr %mt(. Type et Bdance Annual Percentage Rate Pwnethrnd Transacthm Otter ID Type Prumetlenal Rate fnd Date 144nce Subject te Interest Rate Interest Charges by Trellsecden Tn Dalarna transfers 1 I,AIyk V 1 I.srih V 5 659488 5 12%IT Direct Dupes}t and check cash 3 I.srrh v 5 ely} 5 eca Advances Bank Cash Advances 15%ra v ala 5 AFA Ytce ceENa art cal'y lr ~ est Rue Type: V VarLRN ILI ~ Irate }ray uryj erer I d a c ac ' ~eel eel ~ .aa This page intentionally left blank page ~ oa ~ Bank Americard'AVID PATRICK GONZALEZ 431 HCKORY ST SAN FRANCISCO CA 941026ECO BankofAmerica ~X Customw Srnace Intormaucuu vnnutureatamrtrarcru I.IEX1421.2110 TTY 12CQ3453178 Mad Motng Inquiries hu Bus at Ameuca P.Q Bm 987234 EI Paw TX 79998.2234 Atsd payment rm ILY» ar Amr uca P.Q Bac 15019 Wsuutran CE 198865019 Ausuu 12 ~ Srmember 11. 2017r Account Summary Prevtbus Batuvce Paymercs and Ott er Credo, Purctcnes and Adtustmerts Fees Charged Interest Charged New Balance Total Total Credt Une Tarot Credct Avactabte Cmh Credtt Ltne PortICn Of Crecst Avarlable far Cash Statement Cla:Ing Dace Days In Btlhng Cyde Sc 45578 Bcm kxo $38OO $111.$S $ E25.73 $73xcm $ 37427 $ 2.ICCCO $37L17 09/I I/Z I 7 31 Payment Information I 'ew Balance Total Cunert Paymert Due Pat Due Amotac St 52573 3224m $ 11LCO If ycu make no adcSoonat Yau wttl payoff the charges usug ttss card balance shown an dss and each rranth ycu pay statement ln abaut And ycu will end up paytng an namated total af Total M~rsnsan Payment Due $448m Paymerc Due Date I GO!V%17 Late Payment Wamlng tf we Co not recetve your Total Musnsan Payment by the date Iuted abaVe. yau may haue tO pay a tate fee Of up tO $38 00 and yeas APR may be lactea:ed up to the Penalty APR of 29.999 Tout Mlnlmum Payment Wamlng If you make only the Total Mtntman Payment each penod. yauuad pay more In Reerect ard It ved tahe you ~r to off balance For e sample Only the TOut Mlrlnsan Payment 22 years $17,16000 If you would Bte )nformatlon obout credit counsedng services, call 866JGQ5238. BANK OF AMERICA P 0 BOX 1501 9 VIILAONGTON CE 19OEO5019 tarn Batmen Tceat Ioua Iacvnuan Panmue Due Paynerc Oue Dale $582573 $448,00 IO/CO/2017 DAVID PATRICK GOIIZALEZ 431 HICKORY ST SAN FRANCISCO CA 94102.5808 crore cmv era cruruv o'uacru auav Js ca nvvvr rurtllws LJ ncum Ccnruv acccmrrrcvu ac eu ucnm aur ucc em muam mrrs \cn nuit smell anubu vr orm cr anlNlm ~races ».0 IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYR(O R(TE REST - YW w'S nct O'JrRt Irtet0¹ on 54idJIOS cn tlw re¹ st«tmwt It pa pay tnt hew Bahnl ~ Toul In AA by do F«rwo (ko Catt. «rd yra I ad paid in hf I by tl ~ prtVaus Payrwc Cuo Cxe. Wt wit btgn darg~ ktere¹ on BJLrrce Tr«nrtrs «vl Cath Advances on d» trtrsxt'ar datt. TOTA). INTEREST CHARGE COMPUTAT)ON . Irtae¹ Chuf(05 accn e «%5 are coprhndtd cn J Cosy to%vs To dr tnwrw do Irtert¹ Charges we nahrply oad BIIJrC0 Sublet% to lrttrt5I RJ' by It5 appl L¹4 Coty Pt'fcdc lhtt and Lt«rtab b mulbt fd LY tt'e ivrrtor of days 4 tho «sfrg cycle. TS dttemvnt tlo tQJI irtt»¹ Chkge lcr trw btl'rg cyc4. «0 add tte I»node Rate frt0»¹ Eh«Res Icgvhtr. A cosy pahdc lhte Is cakLL¹ed ty chfdng an Avsud Factnttgt lhte ty SE, HOW WE ALLOCATE YOUR PAYLSENTS - Pa%mass are a'heated 10 pasted bd«keh If yar «Qnrt I Js bala«res «rdr d fftref% ASRL we w 1 aooc«t lht amart cf pkr pryntnl toual to p» Tctal sf rvrrvrm pay»rc Gue to 0» lane¹ APR bd«kcs Oat (lrc4drg trmsactlrrs made after IHS SL¹emertI Faymert ««0%5 ln 0«0%5 af your Total Lfrfrsrr Payrrat (ko will be acphed to ba urea% with hg e Aflh be foe bd«om wth lo«er APRL IMPORTANT FNFORSJATION ABOUT PAYMENTS BY PHONE - Ytun us,'rg d ~ opt cnal Pty.byfta» servlct. you achorfto lo ta hiu«e an 04ctrOHC Palo%at fror yar OCC«rt Jt tl» FVSWCLO aekiutkvi you de«Pi«ra You must aclwntt tte ««art Jnd thwg of cad payrnmL for yar protactiorl, «0 will ah fJl secrrity k 0Jrmrkvs A fto nwy apply for olccd led service. To Luke( Loi us ct fere d» Idea%fed paymert &a0. San»day pafnvmcs Lkvot be toiled or urc0kd YOUR CREOfT UNE5 ~ The Tcul Crest Urw Is dw am«05 of crodt avasob4 fcr tlo acc hrt; hcwevtu. On'ye portkvr cf talc H avldlk4 for Blrk Cash Acvancth Tte Cash Creclt Unt H tl Jt «narc yea tave avcsttk4 far Bank cash Acvreots ceroraay. (Loo chh Acvtrcts cero¹ of ATM calo Ad«acth Olo the Carte (CTC) Cash Adorcek Sant-Cay(ydne Cash Advtrceh Overdaft Pro:octan Cash ldvcecek Cash Eat«Oath ard acclsuklo Nlrsacdcn lets MISCELLANEOUS ~ Promolar«Ra:e Erd Cata THs d«0 ls based on 0 funre ¹«arort c'cung 0000 If you chmge yar pay«ac&0 data. ca%date cauld d«ge. Tlw lvrw Bailrce Total «Hdr appears cn ttrs ¹«tnw» 4 rot a paycfI amor% «vf rsty br kkitct 10 addt'cnal Peart¹ crvogts wren ya pay h fJl After year ¹«rntrl chang &xe. please ar~ clo cus:aror %eruct rvrber locÃtd or Ow frorl ol IHS ¹«emao for 0 poy-off «narL Yirtuai cards are do df(td f rm of ysur ttfyt4 Ftyslul crast uros stored vdvn a d(FLR wallet. CALCULATION OF BALANCES SUB)CCT TO R(TEREST RATE Ave»pe Cally Bckrct Uetfwd (hc4drg new Purchaws) We calculate Smrar«0 Bd«rtts Ssb)00% ta an k%«0¹ R«0 far Purdunea and (Or e«h «trick%lay or Promcdonal L»fer Malice conp¹iry) cf Purdasts We 00 tHs ty O) cakstadrg 0 &Illy bJLOOO for cadi dJy tr llw bllfrg tyclti (5) addi g aa trc ruyry btknces tcgrnnen and O) drfiyrg It» am of tfo &lily balances by tlo rsrmker 0 0 days 01 tl» baling cycle To calalÃe tro &lily baknct ter 00th day In tH5 ¹Jtarorc'5 bio lrg cyc4. wo (I I Qke do tegnrsrg batoke, (y) aod an Jnvsrt eoual to tte acplk¹r4 cany Fenodc RJI0 nvflg ttd Iky dw pr«00'%ty's doly LJLvue. (I) «k! ntw Purdastk new Jccact Fee% «vf rew Transaction FOOL ond (0) subtract acctclk4 pay«tnt5 Jrd credt5 If «Y &Oly bat%Oct H Its% thin ttro we trtJt It as Jenk Av»gt BJLoke Lftdwd (irc4dirg row Bthrot Tr«»for% imf now Cash &su«ca%) ylhr uk%I«0 5050»I~ BJLuces ssk)ect to an lrctre¹ lhte for Bkake Tr«ofah Cadr Ahchctk and for cad lntro&rctory or Pronuolond CHN ta'«kt crr»¹lrg sf Bal«ce Tl«rsfers or Cash Advancea We do this by (I) uksL¹ rg 0 dJfy bakvko for tJdr day h lhi5 5Llt trna% \ billhg cyclt, (T) LsklA¹'rg a &uiy byarct fCI OJCh day pool to thl5 5L¹emtrcsl biilir g tyci~ lret had a 'PreCFC4 bat«ke'. a PntC)cft bacokt Is a Baiarce Transfer or a Ctllr Acvwoe wth a tu»tctkh &1t ~ prior la IH% %L¹trntrt 5 billing cycle but wan a po¹kg &1'e «IIHO cHS ¹«smart's baikg cyc 4. (5) «ksng all me dtoy btcokes logtdwn Jr%5 (0) dhksng tht am of Ilo &dly )0¹«0ces by tlw rsfrbtr sf daya h thit ¹k0m«%'S bnV g Cyc4. To cakut«e Ite daay br«ke ftr eaCh day In tHS ¹Jtemert'5 bill'ng CyCle. Wo (I ) Lae 0 0 tegvvfrg bakuke; (I) «kl an amount 00001 to d» appllubl~ Cally fahdc It«t nkf:Ipttd by Ifw PC«lad days &yiy at%Okt, (5) add ntW BJI«rce Tr«»fah new Cast Adumcts and Tr«oacllar Fetk and (0) kloract Noteach payr»rts arvf cred tL If «Y &vsy b tierce ls 455 drar tenr wt treat k 0% Jere To ca'al«t a dli'y byarce for each day Prier ta tth %Latm«%'5 biairg cyclt tl'N hod a Protych bat%neo'1) vo Llk 0 I 4 big'ming bahnco att nbutJbl~ %owly to PreCTCIO blhnl~ f«Hdr wa be Itr0 orl the I»nsactkw d«0 of tto tr¹ Frttlc4 boffctk (5) add «0 ««art tdual to tlw apollo%tile Cdiy Fenodc Ihlt rrtul,l ttd Ity tlw prado& da)ys daffy bJIJOC ~, (I) arid add JH f tfo acpi LR:le pret)04 by«kts and d eir related Trots«cion Fath we ~ «4dt friar dvs caklJJ! Jrl iol tran%actllrs pc«ted Irl piavian bNrrg cyc4 L Fa'te complete tenn% arvf corvhfrrs of your accart. coralt your Creia Card lg etrrwk TH% JCC«0% IS hkod «00 adHH¹oraf by FIA Card SenfCta f IA Card 50»Ice% h 0 ragdered trader«* of FIA Card St«Jets ard/or Its Mf tates PAYMENTS.taavt~kdorrwahcfr 0 ~~« ~ wy I« II) orvroo ty 5 om hrJI a» tr 100 toova lrovr a'o rmvnovv ooov 10 yrv mo duf oaommc (I) aai ve 0 dea fktvn 0 LIL areas a ~ tis, Ivwcul Irvorueall ar ~ LLS dvl 00 rwor aorr, Jnl o', wro h eo olvrl a%v«0 vro aff o« rwvtarw terIkn cl ytvr la«mat too»a%OR 0, orr»rts rwvrvv llv nwl Jr«0 5 am kcd ww 01 au rmvnma Jdrbns e ay at aduard eo Ptfmac Gut Goo. tvc Ihll ooorvw novi 100 lao« nor»mrna wo lo oaa!o! a 00 100 rvo oly try«ma n«00 srwo e ty srve «rt tv over wl 00 00 ae 00« Ol «catt 0 «tee 005 am co»It crecil Irr WY ttw Sevmnw nuv tv oorrso lo D aw 000% earn arfmao mtdo «ra ar treat cr Al 4 v It 10000 Aunt IAIAI «00 aty 00 Jccvcwd «re 0 wsd ha»ncvom (ICL ke Selmr I pae avow am accoul od %00 elscca v tv% t ee prrv vnu aawo Ol rro or OJ tasa Gr I re 5 va arum% n«o ton«mr rhvso ucvavroh af uord oo kfrw«ov lard v yrv doch Etd deck tuocr«t 05 D trttl~ ~ tre.la«arcuate Arva em%ra 1st avaa n Ss 0 erect or prce tort, Irrrh noy to vewam lom tor Swarta wv Os eu ssn«drf vo oarw psr fermat oudo 0» «0 «00«v 4 pvr fa~ irtomroua D tko ao 0»clrlvk flem emsrac Qt 00 «ee rvnev alai 0 ee frac II pa htw aden«d 05 4 frf yvr cad t Qrd kil I or«NQOS hon yar %«ail or dockrd taartvtl 0% ya cv oco aeprynovarayo»srtyaewk Iswad 10 ~000 pry«a L ICIII lars'vv wuh Irl at 000¹ O«0 I«woo Orts tokre to «amok oefmuv Is scroaare 4 Cco. A%cue%5 ) Jrea Code 5 I ftene A as Cade A Zip R ysv beano aM»vs Or Qnuct koorounuw hv dwnov& or lf your odorwv lt ouorrvct 00 lt 0000000 ar Illa OIIL Phew Provua 00 crvctkv«hvrt Transactions Trnsaoion pottirg Cate Ca ~ Descnc'./oa Fees OSCR CSC9 LATE f EE FCR PATI/EKT CLE TOTAL FEES FOR THIS PERIOD Futrncce arrear hectare 7E27 C9/I I C9/I I C9/I I C9/11 OS11 C9/11 C9/I I C9/I I Interest Clwged IKTEAEST CPAACED CK PLACNASES IP.T ERE 51 C A/ICED CK EAIAKCE TAAKSFERS IKT ERE ST CPAACED CK O'R OEPhcnr CASK%".V ll T ERE ST Cl AACED CK RAhr CASK A".VAKCES TCITAL RITEREST CHARCEO FOR TIOS PERIOD 121.95 aoo acc aoo 9121.95 Tacti fees durged In 201 7 Total interest charged In 201 7 $1.11537 Interest Charge Calculation Tera Annual percentage Rate lApR) ls tru arrant Ircerrtt rate rn ytsr acccsrt. Type of Ralance Annual Percentage Rate Tranmtlon Offer IO Type Prornodonal Rate End Date Ra4nce Subject to beerest Rate Inlmest Clwges by Transacdon Type Prerhares Raiance Transfers Direct Deposit and Chech Cash Advances 21.99rh V 21.99ar V 21.99rsv 2599sav 5 5.529CS 5 121.95 s alo s aco s aco s aco s aco s aoc AFA Type cerrctksu Dn/I hceust leyte Typo v vnIRle lb.~ Iratr coy scayl Important Messages Tot/re o vshatd Ddt error end we uont yoo to bnow dtct we leaven7 received yore craters ptyment due Pleas send your payment due to/Sty If yoc/ve cire ody inc/led It, tharb yoa pres 2 d a a «GC' I a ~IHl I ~. l.ea This page intentionally left blank Page ~ ag ~ BankAmericard'AV'D PATRICK GOICIALEZ 431 HICKORY ST SAN f ItANCISCO CA 94'IC2.56CS BantSofAmerica ~W Customer Srrvka Infawnatian: wwwbonafanwncacam I.SXI421.2110 TTY: 18003483178 846 blfana Inquiries tw Sun af Amrnca 8 O. Sat 982134 Ei Paso TX 79998.2234 l411 payment ur. Sank at Saunce P Cl Bas I 5019 WsnVXFan CE 19885.5019 Account Summary Prestaus flalance Payments and Other Credits Purchases and Adsstrsenu Fees Charged Interest Chargwl New Balance Youl Toul CrerSt Une Taul Creckt Azrabble Cmh Crezbt Une Portum of Creckt Avaitzble far Cmh Suternent Ckning Date Days In Sdbrg Cyde SLE2573 -5350CO km $384N 9 I1886 $ 721OCO $ 58981 9ZI COCO $ 58981 ICrflf2'll 30 Payment Information New 8:Lznce Taul Ctsrent Payment Due Pmt Due Arntsse Stcsrneat 11 ~ Onaatr 11. 2017 m $543039 $ 2174D $98CO Taut Mzrvtisan Payrnerc Due $ 31500 Paymert Due Date I I AXLr2017 Late Payment Wamlng If we do not receive yaur Toul Mevnssn Paymert by the date It&ed above, yau may have to pay a Late fee of 141 t O $38 00 and your APRs may be Incremed tp to the Penalty APR of 29.99%. Tatal Mlnlmum Payment Warning lf you make only tl' Taul Minlrtsen Payrnert each penod, you will pay more In Intere:t and It vng uke you er to off batmce For esamale lf you rrszke no additional You vnB payaff the And yau wig end 181 charges using tN urd bobnce shown on tfss paytng on e.tirruted and eachriXSSh yau pay sutement In abet tcul of DISy the Toul Mz zvassn Payment 21 Iwais If you would 8'ke Information about credit counseling services, call 866aOILS238. 2b22 SANK Of AMERICA P 0 BOX 1501 9 VIILMINGTON DE t9666 5CI9 New Satzmcn taua tatai Iarwnvm Paitnzre Ous Pnrnwrc Dun Dsnn SE43CL39 $31 500 21/08zr2017 DAVID PATR C K GONZALEZ 431 HICKORY ST SAN FRANCISCO CA 94102d608 E cnwu zwu su ~ rnosu o mnov wsrstt n zznolll wtnaws EL ttttm tnnnw nr atwursow an uw wrwns nru ~tst ets swum sons nwl taut mstn sszsaw sr eww st snwlua ~zszz IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYRCG R(TEREST - Wt w)I mt Stage hlernt on Puictasn on tie nea lucence If you ply Inc hcw (Lowee Total In hfl by de Payrnec Dvc Cat. ovf you hkl pod h fal by I c pre!a%5 Ptpnec Cuo Ctle we wra bc(f0 ct Jlgcg bc«a» cn fL»au c T wh Sir% ovs Calli N nrolcn orl pe aunacdar rbn t. TOTAL RCTEREST CHARGE COMPUTATION ~ Went CIVSrgn accno ted artc~ cn a dary OJSIL To dt.crnvne the bcere» Cfvugn wt nvfirpry tJch Bat%let svb)tcl to bsec» Rxo by Ils acpl ctcit cally pcnodc l4te ano that rc«J I Is «unit%cd by tte I%hoer of days h rw bacrg cyck. Tc dtttnrsrw tnc t Otal hcerni 0 Jrgc fw tnc bncng cyck. «0 add thc Fencdc Rile ht«e» Chargn 1ogeli er. A eely Pencdc I4tt Is CIA%onto by cludrg an Annual P«ccnugc Rar ~ by 3ES, HOW WE ALLOCATE 'YOUR PAYMENTS ~ Pay«%Inc% «e anon»ed to po51td barJrct5 I 1 fr%a accihrt I'ol baIJ«ces «ilh d ff««s APR5, we wni aoocate dw pncvec of ycsv Fervent toad to dw Tout Lr nvrstn paynerc csc lo tie lowest ApR bderect srsl (hckrdrg Irwoacilrcs neet aller dvs scxenercL pap«wc a«clans In tlcns 01 yore Tml lfcwsfn Pay«wc csc wni be appfred lo basoecs w lh hfyer Apns before balarcn wnh kwer AFNL IMPORTANT RIFORMATION ABOUT PAYMENTS BY PHONE - Sheen uo'rg the opdcccl Parky.p mc scarce. you audvnrze us to lndatc an ekctronlc pay«wc horn ycur accchrc at che Fvvrcitl h» alkvv you dnr gun You na» audvrrtze tte or%Sec wd dnvrg 01 etcl payrn«L for yaa prcctct cn. we wnl ca for sea my I f«eath%% A fee may apery for ~racdr tc service To Gree( cdf vs bcfSic tte»teofed pap«Pc dxc. srw»JF paynvnos canncc be er51cd or co%ceres YOUR CREDIT ERIES. Tte Tctal Credt Lbw istic a«orle ef crcdi avonab' for re accoes, however, Oruy a ponion Cf dvw h hwLwk f«BOA Cash Advancn Tle Cash Crery: Une Is tliat aire%re you tuve avonabk fcr Bala Carr L~n G«orlop Bain Cash Adurcn tie%st of ATU Cgh Advtnceh Orc tht Crsrc« IOTC) Cain Jdvcecea CvewCJFOror«Cash Advoioeh Overoraf: Frclrc Jcn Ca* Advorcek Gnh Enrfvtn«CL «d acpscablt tr~icn fees MISCEUANEOUS - Frorneawwl lute Erd C¹e Tas date h bastd Ce a fuhao %un«narc clos rg dJtt. 11 yai crvrge ye%a pcpnec CLrt dÃ t, tris dnc ccukf change Ttc hen (SSLvvce 7eccl «Ndr applars on tha»«tnwc is ral ~ payoff an%Ace aid may bt 54b)ccl to cost'ccaf Ircec» dvugts when ycu pay hhA ther yaa lute%oct Ckrsng d»t. Aeaae Coreact dc a»~%«ulcc nunbcr local«1 on tne !ccrc 0 f rvs sulence for a pay-0!f onCAcL Yrnuaf care!% art tvc cifyuy lorni 0f ya/ ttfybk ptySIGll cltdt utes»anni vs%tv a dgui wtlitt. CALCULATION OF BALANCES SUB)ECT TO RCTE REST RATE Aw»ge Ca'ly BJLrce Srcdod pnchdng ncw Pied%%les) we cdcultt ~ scparxt Bar«un Srbkcc la an a%ere» Race for Rlctcln wvt for each bcroductcry or pnvncclcral cf ref bid«Ye cons%ting of purclasn wt do twt by (1) ca'csLYJrg I dasy ha%Inc~ for eadr day h Ivc bnlir g cyck, (3) addng ao trc da"y bararcn Iogrl'en «vl 0) dr! dng du hln of cne any btlances by pc rveo«01 dJFI bi tlw bncng cyck. To caASA»t cht dany br¹ut for tJch day Iri Ifcs»attn«it'5 bioug cyck,we')casecte belgivwg bttcrvce (3) odd an «ncscc Cry%If ta lte applkable eely pena!c Roe rnurdpttd by dw prevCovs dayh dary ba4n'e: (3) ackf ntw vrchhaseL rww Accrkcc FOOL «vf ncw 'frwrsactkn FOOL and (c) Iubtract ocp I ukk parrert5 wvf ciedIL If aiy carly ha ance ls kls dvh cero wt Ircac lt a5 nns Avl age BJSSnce Utchod (inciudr g rew Babcce Transfers and new Gnh Awned) We caMe %co«Jr ~ BJLrcn Ssb)ect ta an tntere» Rate !or BJAorce Tlwhr«A cash Acvrceek and for t«h lntroducley or prornrxrond cf'cr Carpet conti»ky) of Bauuc To«dere or cash Ad%recco we do dcs try (I ) caklAScag I deny balrce for cadi avf h dv5 SL»tines'5 bnlhg cycle, (3) I dtny be wet for axe cay porn to \les sul ament'5 bii org cycle Pa hid a 'Ae&yck baCrce' I Pret)cia bcuvce h a galeret Transfer Oi a can Nd«rce wit%I tunactue dat ~ prior to tti5 raternenc's bnerg cyclt bro wct I pedYg da e arith dcs mt«nec'5 blnlrg cycle, (3) addng In tt ~ daily btuecn tcgeacc avf (a) dhcrsng rw hcn af Ihc daly braances by tie rurber cf days In UVS»JItnurt'5 bnang CyCk To cJrcsctct tte dary ILl'¹vct fcl tadi day lri INS»at«vers'5 fynirg cyck. «e () ) Lyrt d'o bc@ruing baklct. (3) add ail or«cits coral to thc app IlcJbl~ cony FcdcdC Rot nvfllc Std LY dw Prtvkus dJ/$ daily I%do%It; (3) Xkl ncw Barn%co Sr«sf «L nrw cht Ndvarcn pvd Tiwnaalrcr Fan, and (a) ssbt rect Icpfubk pay«trued creptL If WY daily balarut Is Ins tlan ttro wt treat it O% nns To cab%Sac I daily bar«et for t«h day prior to tws m'tines'5 b 1iirg cycle duc hÃl I Atgsck balJrur (I) wt tJkt tht btg rvtrg baknce allrlbuubl~ sorry to pre cydc btkrce (wivch wrn be c«0 an tte ti«5»like date of tl e pi» ACCyck bttuueb (3) add an on«ac eh¹ to tho appllcabk cally Per%age RÃc ns«+ted CY tlw prlvlad dajs dtily bakoee (3) avd add orcy thc cess cable Ac&St'e bupkes arvf dwrr re oned TrJnucdon Fetb We ~ahck han dss cakuution all tiwrstctkns po»td h previous binirig cycles For lie con»ale tenn%red conddreo of your accourL col»rk your Crtdt Cud Afycnwa Trvs accrkec ls Issued pvd wsvcnrstertd Iry FIA Card S«vices flA canl stnccnh I reg»«ed crea«nark of FIA card st«arcs and/or NN Jfr C&tL I'AY MENTS ~ wl nvdr el 1«t ac!neo ls cf ee aiw wrovlc d oe frrrner h. 1'll warned bf S an% kco eru Ir eu nsrvva deva w ite rvnvrarve Icrwv cf lvv rnrvvcvf turwwvc o iuu! ve I tiers re«v I''L drain cn I U '5 Nnvvld hwa ou u s US else nw«r wc«, wc o) wrn w a«wavn «vrewe vw rvsf ev rnwauvo pwsov et prvr sar«%et~ rs ptfncna wanac byn«c trw S pm hui ww Ii ae «nlnncv rid%ms ln wy olf bvk¹nc ee ptfnvv put pvn. tul acr wren%ra n««et dvcv nalwwrrL I¹ bv u«swi w ef ee rnn ws alynvrw nuov unre w bf trwe ve Ie it%dud Is ol ae osw el wrest it nwol by 5 I« cr«st Iw Iry cow slrners nws bt celt%«l lo ~I ow diss clio urn«is trull «icl olrr wb«%lr I If wri t¹v Iaiir Ialai vn wlt In «wcllcvil huunraaer IIC.'a ptpwrt rhra ccelw «rn Kclnl wd wairxoen vervt lre uur vvn« Scca¹¹ we ¹ ac Senor drnr«% wv «elva mr¹ arrw I rrvrsl vvvwvuat lit inud ec ulrwnrsw rare rrr sac decA E«f dvls a.ccn«% w w ovlw I ore.rww uvcvrvvc su«% et«de lo %recall It w I ch«b Ir pron calli fwvu wf lo vevbwn In«I sav «cave w ww w ee wnw osy «I rvluv yvl orrpnws ctcvss uv rwl rnvnwi w Ivl fw nwv ufrvnuvvw w w Sco aeecrnwrc Leer en d«L ue us «e«runt« owv rn ee runs lr pw Acw «e«rl«d vs ci prf %cur crwrl c«il bll «un«cliffhcnr pnr %«ed% ia dvcurg «cars vw vs Srw an Sco au ply«tnt r««Y wvSret p«awo a vwd sc ~lop ccpw c srvr brie nvlil rrtd'n « Iroit awc bvlruu diss sv cre ee acr«eel vynvvr is utnatvc ro linn Area Code A lrp WMCOOI A Piers Acre N lour boone Idocw w celllerl conned«v Iv«i tt«navA er N ylur Idcrelt h brv«nnl cc II area%is wr dn blIL paev are%uk Io wlrvrsl4r«hvrv Transactions Trans«eon toned Dace Cate Crsofttlcn Refrunre Accocrc Iaritnr Patrnrnts and Drher Cradles DRI72 DOm c ~~ho CH«S 5&st 1811 TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD &Sse DO Fees IDIOI IDCS LATE FEE FDR FAYVENT DLT TOTAL fFES I'OR THIS PERIOD ID/I I I all I 'Iafl1 IWl 'I I aft I 1arl I I arl I I crl I Interest Charged INTEREST CHARCED DN FLRCHAtls INTEREST CHARCED CN BALAhCE TRAicSFERS II 1LRE51 CHAR&ED DN O'R DEFACH«CA5HADV INTERE51 CHAIVAD CN Ra«« CASH A "VASCES TOTAL RITEREST CHARGED fOR THts PERIOD 11&Bi aca OIXI aco $11666 Total fees charged In 2017 Total lr«ere:t charged tn 201 7 5225 00 51232 03 Interest Charge Calculation Yna Annual Percentage Rate (APR) IS the arrsial Vttree rae on year accnro Ttpe ef Dalarna Annual ~ Prooeonsl percentage Transocean ofter ta Rate Typo Pnnnotlonal Rate End Date Interest Charges by Trarrsactlorr Typ Purchases Rawnco Transfers 11 seraV 11.%vcr v 5 &ss«3« 5 11&6fi s aco s aco Direct Deposit and Chess Cash 1 I.VVNV 5 QCO 5 GCO Advarues Bane Cash Advances 1 5.Sects s aco s AFR Ttce Drfirrdcrs Duly Irl ~ 'rr. Rrr ~ Ttcr v varue4 fear (rata nuy ury', Important Messages Vc«/re a valued cuttorner and we wort you to knew dtst we haven't received your darert pasrnert due Plea:e send your payment due today If you'e already Itcufed It. Iharh yocc Fats S ra ~ This page intentionally left blank 4' ol ~ BankAmericard'AVID PATRICK GONZALEZ a31 HICKORY ST SAN FRANCISCO CA 941015808 BattkofAmerica ~W Customer 5»nece In/onnetlon; www t«veorm»ace»ore I.IOOe212110 TTY: IXOO3C63178 kt»0 klalna Inquiries ht. Bee or are»dc» F a 8»n 98223e fl nno TX 79998.2234 Stall Per»neet hn Bne ol at«ence F 0 So» 15019 Wentrd'on Cf 19886.5019 Account Summary Pre»raus Balance Paymerts and Otl er Crersts Purchues and Adrttmeets Fees Charged Interest Charged New Babnce Toul Toul Credtt Line Taul Creckt Avatlable Cash Credn Line Ponlcn af Credtt Avatkble for Cmh Sutement Oa:Iryt Date Days Irt Bdllng Cyde $» »0039 $««o $38XN $11128 »~67 $73XCIO Set033 $1.1cCIO Set033 I I/l I/2"17 31 Payment Information New Batsnce Taut Ctrrect Paymert Due Patt Due Amc»«t Oct»err 12 . Nov»»acr 11, 2017«-~' $ 6,56967 $ 12300 $ 315CO lf yourtake na adtkoonal You will payoff the tharges using this card tatsnce shown an des and eadt Inarch you pay sutement III abatt And yau t»e II end up paytng an esumated taul of Total Mr ran»en Paymert Due $ 53800 Paymere Due Date 12I201 7 Late Payment Warning If we do nat receive yaur Toul Mtremtsn Paymers by the date ktted abave, yau may have to pay a bte fee of up to $38 00 and ytne APRs may be Increa:ed up ta the Penalty AFR of 29.9996. Toul Minimum Payment warning. If yau make only the Taul Mmtnssn Palm«s each perlad, yau wl 9 pay mare In Int«est and It vad uke yau er ta off bat»neo For e»ample Orey the Taul Mr»mean Payment 21 years $16.093 00 If you woukl gke Info«nation about credit counseling services, caR Bdda00 S138. BANK OF AMER CA P 0 BOX15019 VvtksrINGTON DE 19880 5CI 9 Iwe 8»urr»e Tce»e tous ssr»n»en Pet»nero Oue Frere»re Oue Oete Sk»%%67 $ 53800 12/08/2017 OAVID PATR C K GONZALEZ a31 HICKORY ST SAN FRANCISCO CA 94102SEOS fate» permute a»aunt r t Cnr»» nne ere rneree or»»nerd ante»e acr»»e nu»»ere LJ »eeet r»n«n et nnerer»e r»»e rer»ee e»ee e»er ew eeueee en»e ww rout »»e»e re»etre et aen» er A»«tn»e~tetr IMPORTANT INPORMATION ABOUT THIS ACCOUNT PAYRCG R(TEREST ~ We wl& rot ct«ge let«sx cn Pa&bases cn bo nex skit»pe Il you pry t"e hsw Bdev&t T«d In fa& by be FapwH (he Cxe. evf ycu had paf a" ldl by tw pr«/oaa papwH Due Lxe. we «&& ceg» ch«grgac«ex on Bskn&t F «nr«s Jrd ckh Ad&&sate% «be tress&«&n data. TOTAL R(TERCET CHARGE COMPUTAT&ON ~ ks«th Charg&s accneard art CnTesackd on a dd'7 bash To ct;ernvns Iht In&ere&I Charge& we lr««p&y txn BJLrct Sab)t&% to kc«ex RÃe by Its Jfp&cJbie Lely fesodc RKO anl &tee real& 4 rsa/& peed by bo &%&&oar of days tn &va t %&ed cyck. I a deter»&re dv& taut &ten&&i O'Jrge lcr Iao Hlcrg cycle. we add be Peric&yc l4t ~ Irteres& 0'&rgrs togs ner. A ca&y Fpksyc Rde ls Calo&a&ed by &yvrdng an A/vs&N Percentage 4tt ty BGL HOW WE ALLOCATE YOUR PAYMENTS - PJP»«cs are ense«ed to Pawed baruch Il y&ar a&&Our& ha& take&as W&da dN««& APFSL ue Wni a&OCÃt tte en&&&el cl year Faynvr&C tdual to tlw Total I&'rsnvtn Pa&nws Cut to be laws%& AFR balbees hrx pscksyrg iran%std«s &node ah tr dvs st&orner%( Paynwrt re&an&5 ln testes cf yow Tout h&sesssn payer&st (he w&l be std&ed to ba'«res e&t&'iyer A lh tefort b&fsrce& wl&n loerrr Apgs IMPORTANT &&FOR%CATION ABOUT PAYSJENTS B'l PHONE ~ &Pen us rg bo cp«oral Faptph «e service. T&s& oatori&e us to PSUKO an akccr«sc payn«& frm y&na a&co&&% K be feaeckd lish&a&i«&you de%/IfJ'e. You nsn& «charlie t&e as%sr% evi dsapg ol tach pa%re«c F«ycse protect «&we w&& ask fe security &ferro&&«a Alee naly apply le&exert&«I senate To cree( cah as tern& ~ &te scotch&ed pap»Pc Cata Swwday pays&tris cane« bt to&ad «&week&& YOVR CREDIT LNES - We Tctd Crt&&& Lira 4 t&e amcnrt cl ared& a%olla&le for tte ac«set& news&Or, or'ry a porllorl c'I balt l% aa«labk f I BJ&'k Cad& Ac&&rush The COOS Credl Um IS &tat «neao you h&vt Jan&la&4 far Bark Cad& tcas&rceuGerera&y, (krk Ca%i ldvarces &&res& of ATU Cash Adurxek c tva cc&rc« (of c) cad& Ad%&reek I -Lsy c an Ada&reek overcrar& pro&eel«& cab Ada&utah calh Eo&/vd«sh ard JPPC&atk Cr«sa«kn fees &RSCELLANEOUS - Pros%&%heal Ra t End Ca! e Tks date h ba5ed on a fat«e KK«ruse clwl*g dt o. Il you ctasrge you pa&ripe &ke dxe. bis date coukl cl «T)e. The hew Be&arcs Told KH&h appears on tks 5&K&re«c h ro& a ptyoN encarc arel «'Jy bt 1&L')tct to add& &e'Jl kc«t&c c&argt& urer you Fay S& Ul after y&SJ SCa&rrer& C Card d« e. Peaae C«CK& ba CuX&Pe& %«VS&e o&«ca«4&K&i on t'e tr«c af tks sext»«c lor ~ pay-o&f enoaec Ylnual ceds are bo dgul fern of your ttgnk F&yucd cre«1 cards Norse wi» n a &fgkl watt&. CALCU(AT&ON Of BA(ANCES SUB)ECf TO INTEREST RATE Avewge Lily BJSece Ne«od (&n«udrg &ww verba%st%I Wt cdnhate separxr Balances sap)ecl lo sn a%sren lkne tor uuchhases «d lor each fr&rode&tory or Pr&rncdond Offer balrce cora'x&rg of Fu&bastk We do tks &Y (1) CJ'su&day) a daSy balanCO lar aXh dJT S& dk banrg Cy&le. (2) addng a& be easy be&eve% Icge&neri ed ()) dvrdrg be %urn of dw do&/ Ca&arses by be &&&vsse of dty& ln t&o &&i&'g cycle. Ta ca&uk&a be any ba'eve lor sad& day In &Hs x«pn«c'5 b&tirg cyde. wr v) tekt ite btgnr&rg balece; (I) Kkl an as&oust tous& to tlat apt&cable oany Periodc l4t~ rrshkted LT II%& prov&co& day's da&ybakecp I)) Jdd new Ache&eh new Access% feek «vl &ew T&enaction feek and (J) sub& ra&& acprcabk fafner&% and c&td is. 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FEES FOR THIS PERtDD Rclenrse keeps rancor An/are Total 838DO »/11 I 'I/11 11/I 1 »/11 »/11 »/11 »nl 11/1 I Interest Charged INTIREST CPAACED CN pl%CHASES rhTEREST CPAACED CN 8ALANCE TRANSFERS INTEFEST CnAKCED CN C R CEPACnK CASNAm/ lhT E 8E 5T CnAeC ED CN RANK CA9/ A"VihCE5 TOTAL INTERES'T CHARCED FOR THIS PERIOD 11108 DCD CCD DDD 811128 Total feet durged tn 2017 Tctal Interest charged In 2017 $263 00 $ 135331 Interest Charge Calculation Yna Alllluat pmcencage 14te (ApRI ls ov arvsdl acnest nne on yrsa accotpc. Type of Annual Preudnna Promotional 14lance Percenage Transacdon Offer If! Rate Type Promotional Rate End Date 144nce Subject to Interest Rate Interest Charges by Trot/sactloll Type Pwchases balance Transfers 1 l.99cs V 1 l.r/Vnr V 5 KA9374 5 111.18 5 Gcu 5 Direct Deportt anrl Check Cash 1hc/ysr V 5 aCD 5 DDO Advmcet Rank Cash Advances 1599N V 5 DCD 5 DCt/ AFR Tyne Def r trnrs Cary creen Rnc Tfcn V Votre lu:~ frat r noy nryl Important Ivlessages Tot/re 8 vo4ed custo/nor and we wore you to know that we havent received your ctarent payment due Plena tend your psynent due today. If yot/ve already ncv led It. Thank you Pres 3 er ~ Additional Information Need to rkspute o trsnsoctrcn7 For the fsstest rkspute resakeon. pteose concsct tlw merchonc. lf reouccessful. simply file o rkspute onkne wwwbonkof~ence cont Select your credit cord eccoreit. click the krformstron tlat Sennces'etr ond tl en select the Orspute e trorooctron Iillk i%der tl'eSenilces'ection pier ~ el ~ Bank Americard'AVID PATRICK GONZALEZ 431 HICKORY ST SAN fRANCISCO CA 94102d808 BantCofAmerlca ~W Customer servke kztormetlon. wwwkasksrsmencacam I.ICO421.2110 TTYI 13003463178 Ilsll bl Sins Inqulrles tw euo at Amerzca P.a Sc 982234 El Pna TX 79998.2234 Mall Psynwnt uu cere et Amesee PO. Sas15019 Werer g on CE 19886 5019 Account Summary Previous Balance Paymerts and Otter Credts Purchases and Adszstmerzs Fees Charged Interest Charged New Balance Total Total Crwkt Line Tctal Crwkt Avaeable Cash Crelkt Line Portzcn of Crezkt Avazlable for Cash Statenert Clcslrg Date Days In BISIng Cycle SLMIL67 5" CO 538ao $12024 5674791 $ 7/XCQ7 $25209 $1.1 CCtO $ 25109 32/I I /2'I 7 30 Payment Information New eatsnce Total Czrrert Paynzert Due Past Due Amount er 12- Oerwrcsr 11. 2017 I $ 6747,91 $ 22400 $ 53800 Total Msvnsrn Payment Due $ 76100 Paymert Due Date 0 IICS/2018 Late Peymefrt Warzdng If we do nat recurve your Total Mulurssrl Payment by the date lnted above, you may hsve to pay a Lne fee of up to $38 00 and yare APRs may be Increa:ed up to the Penalty APR of 29 99%. Total Mlnlmum Payment Warning lf yau make only the Total Mlnlnsan Payment each perzad, you sall pay mare In Intere:t and It u48 take yau er to off batsnce Far esample If yaurnakeno adChtlonal You will payoff the And yauuell end zaz charges using tNs card balance shown cn ttvs payzng an esumated and ewhmanth you pay statement In abcsg total cf Only the Total Mzrsrrssn Payment 21 years $ 16.920 OO lf you would like Information about credit counseling senrlces, call 866a011$238. BANK OF ANERICA PO BOX15649 YhLIANGTOII DE 1988ts5019 trms erensn Tarn Tatst strwswn Prrruszst Oue Pezmers Oue ooze $ 6,74791 $ 76?CO 01/08/2018 DAVID PATR CK GONZALEZ 431 HICKORY ST SAN FRANCISCO CA 94102~ asses sev eve ssnvv n~nessm Iv zrssw IsssswsVl nssm snssw srnwwwsw Iw ew wswm ssw wse wu souse sure vzn nwr esses esrszm vr esse er erssrus ~zezzs IMPORTANT INFORMAT)ON ABOUT TN(S AMOUNT PAY RIG RITE REST - Wt wis not ch«gv bv«est Im Prrchaks cm do rod sc«cmps It you pay tre hmv BJLrct %Otal o'tl by dw p~ Cue Dare. and ycu tac F«'d h t 'I ty tra prmrcus Fofrrps cue Dxe. 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It yrsr eccl«PI has bararvts W'ih d ffcrvrs ArRL We Vs aaocact tho «nourc of }rot paynvrm troat to 'dw T04!l sf rlrhrrl pay«ps Cca ta de lo«pc Asg ta «rc 05 1 rsc Frclufrg 11«saclirrs racc dr« crvs sssccmpv} Ptpr»N ««sr I 5 h cores% ct sore TOLC sfbwvrr Payrors Duc «al be aopacd to bacpces urer h fy«r Afch br fore bat«crs Orris kwer AFRS RAPORTANT NFORMATION ABOI)T PATMENTS By PHONE -)frbcn us rg dw asti«al Pty by fr%pe %enact. you oafvurtc us ta b«Jace an ~leccrorvc payrem h«n ycor aceourt at dw hn«rcLO lrscsralan you debg a ~ 'you rrsac «el»rite dw arnorrc «d ch«g at tact pasnvpL for yrsr protect'cs . we wls hb fc r sccsnry hl«ma'Ios A fto may apery f«ewcdtec service. To c«ceL ca1 us bc f ore tto scforhftd paymorc Cate. Sar»day paym«55 cannot bt cditd or Mrvckc TOUR CREDIT ERIE 5 ~ TI« 1 otal Credc Urw h tte «nrsrS cf Crcdt aluiIJb '0 lw trw accihr'I, ho«tvtr. 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INTERE5T CHARRED FOR TIRS PERIOD 12QTA QCO QCC QCO 512oae Total fees charged In 201 7 Total Interest charged ln 201 7 4301 00 41.473 55 Interest Charge Calculation vep Awwal Percentage Rate IAPRI Is tl» crnual Fewest rare m yavr accacpc Anneal Percentage Rate Transacthrn Offer Ry Type Pres»ad»eel Rate End Date RA4nce Su&fact te Interest Rate Interest Charges Irf Transacden Tyee Pwclwsps Dalarna Translcrs Direct pep»crt and Check Caslr Arhranras Bank Cash Adwnces 21.99k V 11.5/pe v 2 I.svh V 1 5vvh v 5 &&52&A 5 12Q14 5 Qcu 5 5 QlR 5 5 QCQ 5 QCQ AFR Tine Cchnrlars nary vce»SC Axe Else V Vancekr Rna Irate may eryl Important Messages Va/re a valued ontomer and we want you to know that we~ t received your ccarent paymenc due Please send your payment due tocby lf yca/ve already nkv led It. thank you v/twn de statement eos created, the acccaas'5 Creot une was Ln a lest/Icted stattd and not avaltable for use Peer 1 cr ~ Additional Information Need to ra sputa a trauactionl For tl'e fa-test tkspuce resokrtron, please contact the rnerct~ If teouccessfd. sintrly file a diqete onkne WWW trarerafanenta Cant rmlett yaur Credt Card attarert, Clidr the Infarnratlcn gr Seruitet tab and tlen SeieCt the 'OlSPute atrarattn'k under the Services'ettlrvt Find the right career after college. gee how yore'dults are making strides toward their drean ious In our new online video series. Watdl It today at BetterMoneyrtacvt .ccmrrareers. prer c vi ~ Bank Americard'AYID PATRICK GONZALEZ 431 I«ICKORY ST SAN FRANCISCO CA 94102.5406 BatikofAmeriCa ~i Customer sorvko Inlonnarlon: cessna«eorcmsn«LC«m I R334213110 TTY. I2X03463178 Mall kllana Inqulrlos Io: Ban or amseeca P a 8o. 982234 El Paw 7 X 79998.2234 lcul Pay«nose nr. Bark Ol aenr nra P CL Coe 1501 9 Wknkvran CE 19886.5019 Account Summary Prevlaus Baksnce paya«orts and Otl er Cred ts Purchnas and Adlutcrnerts Fees Charged Interest Charged New Balance Taul Tcul Cred t Une Tcul Credt Avaetable Guh Credit Une Portian of Credt Avadable far Cash Sutemenc Oaslng Dace Days In BIlhng Cyd» 55747 91 $38OO $128.71 $«91463 $73xccc $ 5537 $ 2.ICC.CC 58537 01/I I/2018 31 Cccontns 11 ~ tasse 11, 7018 A«crace ~ 2822 Payment Information New Batasce Tcul Cerrert Pat«nant Due Pat Oue Arncnrec 569IL63 $ 13LCC $76Zm If you cktke no addtlonal You will payoff the charges asked 04 urd batsnce slwwn cn the ard ea/de marsh yau pay sueemcee In abokc And yau will end ID palong an emmated coul of Tcul Mnvrraan Pay«narc Oue 599600 Pay«eve Due Date 024XY2018 Late Payment Wamlng If we do nat receeve your Total MIrvnaan Pay«nore by the date Iuted above. you may have to pay a late fee of up to $3d 00 and your APRs may be Increa:ed up ta the Penahy APR of 29.99«X Total Mlnlmum Payment Wamlng If yau make only the Taul MInerraan Paymers each penoa you uoll pay more In Intere:t and Ic usd uke you er to off balance For esarnple Only the Toul Mercnvan pays«ere 21 years $17,000 CO If you would like Infonnatlon about credit counseling senrlces, call ddda00.5238. BANK CF AMERICA PO BOX150'19 YVILMINGTON CE198tcSSCI9 Isee Barswa 3aur fecal Mesnnrn Penna«4 Dua Pormorc Dua Date 5" 91463 599600 02/08/2018 DAVID PATRICK GONZALEZ 431 HICKORY ST SAN FRANCISCO CA 9I102-5608 5 crore knn ns ~ cnccro or«a«mac«cases o'ren«nsnvwa LJ nms rsenks ar es«ears«ess a««e«ss mw sos svs on«m ance wn Ious cleek annus ve oun sr annum~sa szs ~«p r O.mnrk IMPORTANT INFORMATION ABOUT TN(5 ACCOUNT pAYR(6 R(TE REsT - we «rn nct chtrgr Irc«ex cn prrttJas on the rex statemert I( you Fay Ire hew Bala«e Total In (rli by d«pasmpt Ooe Cate. Kcf ycu tad Fad 4 err ly tte Fredout Foywmf cue Bate we wa togr Chard»get«OX cn Eaiorc ~ TrapsreH ard Cast ndractsen do Trnaccar date. TO (AL R(TE REST CHARGE COMPUTATTON ~ ktertw Chagos Keno a«f are co»pc«nrad cn 4 ds ly CJ«L To dele«One tl« lnrertx Chagts «4 muklp ry OKII E'JL1»ct sot i tet to bt«41t ILKt ty Its acpf clt',4 Oany Fehdc Rett trd PJT lcsuk s p«rri Tsto Lycee IE«t«c( rays h p« tptpg tsc4 To darrpow I 4 touo frle'rx Charge tcr cw httpg cycle. «4 arsd do («node Rale kt«est ChagtS legrrtr . A C4ny FtrlaiSC lhlt Iscaksfxed bydvdrg an proud F«cer ~ F«o~ by 3ES. HOW WE AlLOCATE YOUR PAYMENTS ~ Payme«5 are a'EXK«1 tO posttr taltoctc If ysrr accart has EJL««ts wilt difrrrrt A"Ils, oot WIT anocat ~ dw a»ape of pho pa)prpt cadi to tl«Tout vmpsm paympc csn ta do ICWC1t AFR LSLPCel ( nt (Otbrdng TIKSactlas mare ~ I« lni5 xaemect paymtpt anrhpts h etc ass CI your Taut voopor«pJfm«t oue Will be rpptKI Io bda«ts «R1 fr'gr«r lplh ttforr bdacts wrt«kiwtr Afp\ IMPORTANT R(FORMAT(ON ABOUT PAVMENTS B'y PHONE - Ya«n udrg do optional FaybyFr«Pe sar«ice. you hcI««IH ul lo b«JK t an ~4ctraoc payrort from yapaccorot K do fhacbl a«cba Ion you oes(yrar. You pont K Tforftt the Kpocrc Krd t«eg of rect paym«L fa Trop Foarctia, we wlif asb fcr socsrky & fomvr las A fee may reply lor eocrdted sr»rice. Ta canceL cat us t afore lto schKE(td paym«t race. Saw«LTY palm«Os cao«t be adler or carcekd YOUR CREO(T ERIES - Tr«youl Crrdt Lhe h dw Knrbrt ef «est aana!: 4 lor cr«actclpt. howe««. or 'y a panion cf ttuc Is hasx4 (4 BanE cash Anrorceh The cash c r«51 Unt 4 ttat anrhac you have a«OLT44 fcr Barr Cash Ao«o«t« C«erohy Eab Cadr A«aces Ca«TT ef ATEI COTP Anat~ Chord«carte (o(O calo Ar«acth s«w-cay(paw can lrva«rh overdraft prcteclbrp cash nr«acth cash Eat«a«shard acpsca94 trasact on ICes MISCELLANEOUS ~ Franot oral na' End Cate THS dstt Is baed on 4 futurt KJt amer I c'csbbt d„rt, I( ylsr chape lbr/ paymrpt rur daia, tfh Axe could charge Tro he» SILT»re Total when acplars cn dts xamwt h nct a paya(t amcroo aid may te Iutiitct Io Kkfliond hltrcx charges wterr ycv pay h M afttr yrsr sbnt~ cksi g date. Pease ca»JTI Tto cuxap«serokr IE«b« localed on cw (rat cf IHs &tarmac lor a pay-elf aposlrt Tnnud cards Ke tbe dgui I Tom OI yaa asgt4 Ftyucal crtds Cares Dard «om«a dgcd walitt. CALCULATNN( Of BALANCES SUB)ECT TO R(TEREST RATE &wage CJoy Bdace I(sit«d Frckrdrg rew uprcha5453 1ke ulculat~ srpaxe BJLocts Srb)ect to an ttcrea Rne (or Purchases and for exh btrortctay or Fiomcdond Offer ttfaict conu5tlrg cf Purctastc wt do ths ty (I) uksbrtkg 4 daty tJLTrct for 44th dty h tlo tnfog cycle. (3) addrg an Tre ropy bdarces tcgotr«p ad (3) dordrg tte hcn af d«any talarcrs by tor rsrrb«o( &Tyl h dw bnsrg CTC4. 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Ihsrh you Vh»n thIS Srstement wcd Crested, the occcaec's Crecht Une wos tn 0 rest/tered scsttd 2nd noc avolL201~ for u:e Pres 3 el ~ Don't miss important account notifications - keep your contact information updated 11 4 trask ard ea;y 10 keep )oul phone rcrnbcr erne I ard rfkutng akkcss 1st to date tott 5'grl Irl tc Onfrle Bankrng and go to Profit~ gr Setttngs or use rhe MobIIe Bank krg 4pps Youtl hera rode srae you recerve 44 of your nouces and help stay on Icp cf your accorrrc 'Voter event nrrprr ew ppr srwsue or urorr spore rre rrrr e orr orrrrrr kr rrrrcr ererr erwrr rrrruer rre epr wry wrr osrr CIOI II hrt er arrpru Cvoronw 55U lolrollls I acr tsrlw Additional Information Need to rkspute a tram ~rona For tfe feast tsspute re:charon, ptease coleact the eerchanc. If reuuccessful. simply fde a rksputs onhne WWW bankcfanentatant SeIett yuul Crerkt Card aCCOurlt. drrk 11'e erfcrmatrcn gr SerVICPS Ub and tten SeleCt the OISPute atratln'k under the Services secuon. prcr 4 d 4 Bank Americard'AVD PATRICK GONZALEZ 431 HICKORY ST SAN FRANCISCO CA 941%-5506 Ban%ofAmer1ca ~W Ccniocncr Senate Mernceuecc wcccc barkaimuncacucc 1.800421.l110 TTY I 80334831 78 Mall kialns lneuirles tw Sae ar arcuate O.a Sw 982234 Ei Faro TX 7c7398.2234 llcil Pcrcvrcn tw Su+ ai scccrnCS P 0 Sac 13019 Wnvctrrn CE 19885 501 9 Iarccvy 12 ~ rcarua 11, 2018 2822 Account Summary Previous Babnce Payments and Otl'er Creckt Purduses and AdNstmerss Fees Charged Interest Ciurged Sc91443 St 333000 km $000 $ 112.75 Payment Information New Balance Tcul Craters Payment Oue Tcul Mirvnssn Patment Due Payment Due Date $502738 $171lm $17100 0308/2018 New Balance Toul Toul Creckt Line Taul Creckt Avartable Cuh Credit Line PartiOn Of Creckt Available far Cuh Sutement Closing Date Days m Billing Cyde 5 02738 $7/XCC0 537252 $7.10000 $ 172 52 02/I I/20! 8 31 lf you nuke no adcktiarul tlurges tulrtt ttss cud and e&h nursh Iou pay You usd payoff the And yauusll end up bounce shown on ties paying ur esurruted sutement (n about taul of Late Payment Warning If we do not receive your Taul Mirurrssn Payment by the dac« lated above, you nuy Iuve to pay a Ltte fee of up to $38 00 and yacc APRs nuy be Increa:ed up to the Perulty APR of 19.99%. Total M Inlmum Payment Warning. If you nuke only the Toul Mcmnsan Palmers each periact you wc 8 pay more In interem and It will uke yau er to off bounce Far ecample Only the Taul Mrrvnsan Payment $23100 11 years 36 months $ 16.079 00 $031600 ISavings $7,763 00I If you wouM Rke Information about credit counsedng services, caR 866300 5238. BANKOF AMER'CA PO BOXI5019 ur Ls/lrrGTON DE'18884L5019 :c~ ccc Ac eucvuetauu rara ksnmcrn Parnwre Oue Pcnmere Due Dere SE,02738 $ 1714u 03/08/2018 DAVID PATR CK CCNZALEZ 431 HICKORY ST SAN FRANCISCO CA 84102-5508 Enter pecmrrc arnrcae r ca c «reduces ar~rgnuwss ararcvununtea L-I rcccce rrcccrc rc rcncrrcm crc rcc cececcc ecu ucl ecc cccecn secre vcn rcw uccca ecrvuc ec aces cr arucuc IMPORTANT INFORMATION ABOUT TN(5 ACCOUNT PAYRIB RCTEREET ~ we «11 rwt ct«gc sceeen or PLrchars on lru nex xacotwx If ycu pay t4 hrw Bo«cr Tcul In kyl by du Faymoc Cue Cat. «1! you had F«5 h f4l by I'w prhfous payrwc 8» cxe. we wrs tcgn chwgvg lcerttt cn Bxrcl' «54» ard Cadi Advoccs on dc cr«caco«i TOTAL RBTEREST CHARGE COMPUTATIN ~ lrttrtlt Eh«gvS ac«» «k are cmmpkydcd cn 4 ddiy tt«5 To dncms4 ttc Incrtx Charges we nc/ffply eath 844rcc 5ub)ect to ace rx Rxt ty Its applutk Caoy Pe"odc Axe ad thx rt5uil ts r»SI 'p Led by tlc Iunttr of rays h f4 bol'rg tyne, To Aster«wc dw total Irctial ct«gt for tlw tdrng cyckL we add dw prrkdc Axe lrternt Ch«gvs rage 4r A c«ty Fwkxyc Rxc ls cakstxrd bydudrg an Jrvk»f Fercenugc TLxr by 365. HOW WE ALLOCATE YOUR PAYMENTS ~ Payme»5 arr asaard tO penttd by«et« if yna Bnoas has bltlnccs wnh d fftror 4 "Ik wr «TI «locate de «ncsr I cf ycu faynhm eaux to ow Tatal sr it«van paymor (4r to the lawrx ATI bd&cts Rat Frc4drg tro»actlcrs n'ade 4 tcr dis xxo ert) paymrc «ncsycs lri tvctu at yna Tcul Lrchkrn paymwr Dr» wal be a«peed to tahcal witt'gur 4 Rs bcfcrt t««ccs wkn kwcr AFIL IMPORTANT NfORMATION ABOUT 'PAYSJElfTS 8'y PHONE - YJ en uyrg tlc optkrJf Pay ty P"oru scnsce. Tou oahortse us to hdx elenrrst payrcrt hen ycu an rsn a tlw fvv«CLX rsbtktkn you dadg a'c. Yov rica actwrtae tre amckrr «cf dmug of tach pasmvk far yov pnxact'on. we wio ak to xcurrty rf«mauys A fer may apply for crprdl ed senyco To c«ceL ud us tc'srt tre scrrdrscd paymoc dxe. 5«4»ay Faymrru C«VCt be tCktd Or C«utled YOUR CREDIT LR(ES - Tte Total Crrdt Lire ls tl««noae cf Crrdt avwtwic for tre accxrl: I«waver, o"y a panion cf d Jt is avotdle f» Bxk Cash Ac«acts Dc Cash CrIdt U4 Is tlat «rccyc you tavr 4«SLTtya for Bars Cadi Jdnyrrk CvtrerJsy, B««CJIh AVCCCSS CCr«'X af ATSB Cadi Ad ~C .d ~e.d)TOChhldn H.~CRTOa ~ Advocek Owrorak Frorcnicn Cah Advtrcck Cah Edfudwck «d appikayr ti«»anl«I fees salSCELLANEOUS - Fromctioral l4ie Ercl Cate THS date h taed on a tulure sc»emir» cttdrg data. Il you chrgr your payvwc 8» dxe, CHS dnr couk! Chrgt. Tte I ew Bat«ca Total «t'ch acpr«5 on CHs xxorws lsun 4 payolt «nnsc 4rrd iruy tc'it)tct la addt'vd Irttirx ch«gts wren ycu pay h fvd «ter yo 1 Ratrrert c krs~ oxe. pone co»ct do n st«4r sr«Ice I«neer ice«cd on t4 hoc of dIS st«tmrs fora pty-ON «»Lrt tartud c«ds «e d» dgul fnm Of YXI el't Ie Fvyduf nedt urds WOWS V an a Cguf «litt O TCTB Bark or Amrrica Coma«un CALCSRATSON Of BA(ANCES SUB]ECT TO RCTEREST RATE lvr 4gt c4ity BJLxcr Iftlhod Fi«4»rg Iww PvFdl&4$2 wt ufcukxc Swr«ae BX«CSS Skb)tn ta an hterea l4tt (Or FIJCRJSeS and far eaCh rtrocbnruy or Ponmcdond Cffv bat«ce cons'xlrg at Purchasek we do tHS ty (] ] cakukying 4 daoy ba4nce for rani dly h I4 tdl'ng cycle. Q] adding al dc da"y taiances tcgvtrw: ad 0) dvdrg dw suc of tt» duly bat«crt try 8 r wncrv of days h d» tdtrg cycle. 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(5) addng ss lhs daoy basrccs togcdun «cl (4] Ndrg t4 SLOI of tht dady b4I«cct ty dw rkyrtv oi dsys h dss ax«vers'5 basng cycle. Ta IJkutxe \he dely ta'«c~ for each day ln tHs stattmert'I bol'rg cydc. wr [I) take d» tcgrclrg ox«et; p] Ikkl an amrkso calli to tl' appscablr cally Fr+ldc l4le I«IPPp ltd ty dc pihJC«5 day'I dady tJL«ct. (5) Bdd ntw BV«ct Tr«cfwk t»w Cah Advances «rd Trarsacd«I Ftes, and (4] tkttract JFLI utk paymwcs «cf ntryt'5 ll any dlsf baL«ca ls Itts dv«v Itic we titJt fl asyt IL Ta c«ctface 4 dory t«'arcr for exh day prior ta tas st«em«5'I bipirg cycle that had a pre&yckt baL«cr (\) we uka t4 tegrvvrg bawce htribuuble sowry co pre &Tnt balarce («ttcn «ni te Sero on tlu tr«uanbn dat ~ of tl» prx Fretycle SJL«ctt (1) aid «I «wkvc co»l to dw apptkabk c«ly pwlckfc IJte irklp,'scd ty dw prrarko day I Atay tJLtncr, (]] and add oty ctu appl cat4 Pre-Cyc» b««cts ard their re i«ed Transacdon fr OL we caMe (roc tHS calnsxion ad tr«tunlans Foxed In piavian his irg cyclcL fcr tfw Simp»le It«vs «d corvydas of your accor/L con«dt your Credt C«d lg court Drt accwyc is l55«td «id odrvrsxricd by Bark of lr4JCJ B«o ot Ammu ls 4 wgxwcd tr~drt o( Bark cf Ac«nca Corpcuhkvk PAYMENTS ~ wv tunt m«ud orrw u a ei oc ore ucuvva, d c«ohnwt k p) wnmud by 5 pill Lual ov«a ac sikvvw vcw ol e«nvcnmw soow IJ yur nvIHI turvmmk 8', aria ice' acct iuvw" h U '5 odus L«s Lit, fvwioil uwrlueo o ~ Iss, au « rwwr oew, Irlil o. 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Type of Annual Pnonot4naa Pneadonaa t l4lance Percenuge Transact4n Offer Rl Rate Type Promotional Rate fed lhte 144nce Subject te Interest Rate Interest Charges by Transaction Type Purclrases l44nce Tv«refers 22?aes Y 21.?ukV 5 SSPLCO 5 112.?5 5 aco 5 Direct Oeposll and Check Cash 22?err V s aco s aco Advances Bonk Cash Advances ?s?an v s aco s AFR Type cehntlcrs eely ssrrest Lne Type Y Yarlatle lb:e frere mry vayj Important Ivlessages veen ties sutement vrn created, tl e pccourt's credrt Une vers kt e rutrtcterj tutus encl npt evert?tee for t»e. rrsv 3 d a New year, new goal Achieve your goafs with the help of Better Money Habits Visit BetterMoneyHabits.corn for Bnanclal tools and content to help you get started Better Money Habits»~¹hwpu¹l¹W raw Awwow sscc10-I 74646 c I Nseccire Additional Information Need to dispute a tiaroactrany Far the fastest drspute resakrtron. please concert the merchanc If ceauccessful, simply file a dispute anhne wwwbankafaaenca sam Select your credit canl accarert. dick d e erfrumstran C Senrrces csb and den select the 'Ohpute a traaactron Hier under the Senrrces'ection. erer ~ rr ~ Bank Americard'AV'D PATRICK GONZALEZ ~31 H'CKORY 57 SAN FRANCISCO CA 941C2 5606 BankofAmerica ~c Customer Servke ktformatlon. vtcrwtutaofnw ucacccc I.ISX2421;2110 TTY 121003463178 Ilail biatna Inqutctes Ou Saa of Amcztca PQS 982234 Et Paw TX 79998-1234 Matt Peymeta tct. Bete af Azttcuca PQ Ecn 15019 wvtovccn ct 19886 5019 Fcotvaty 12 ~ u~ I t. 2018 Accocrc c ~ 2822 Account Summary Prevtcue Bakvtce Payntents and Otlvv Credits Ptachases and Adf~ Fees Charged Interest Charged New Baksnce Toul Tcul Crecst Une Tcul Creckt Atcnksble Cmh Creckt Une Parttcn af Cret5t Avattzbte far Ca h Sutemert Clastrg Date Days tn Bcllzng Cyde $ LC27 ca km 5-"m $38OO $70338 $$16916 $7/xE.m $83084 $1tacm $ 530 84 C3/I I/20',8 Payment information New Balance Tcul Czrzert Paymert Due Pm Due Amount $6,16916 $ 20?XO $17 ISO g yOu no2ze na adtkttanal Yauultl payaff the ctsvges IotrXI tHe card balance shawn an ttes and each month ycu pay abatement tn abauc And yau vali end tat paytng an esumated taut cf Tcul Mzzvnsan Paynwrt Due $ 37160 Pa@narc Due Date 04/OIL'221 8 Late Payment Vfarntng If we do nat recetve yaur Tcul MI/smcan Payrnerc by the date Rued abave. yau may have to pay a late fee of lcz to $38 DO and yocr APRs fnay be Increased up to the Penalty APR of 29.9996. Total Mlnlmum Payment Wamlng If you make only tl'e Tout Mzntncen Payment each pened. yau uatl pay ore tn Interest and It vn8 uke you ~r ta off batsnce For esamcle Orsy the Tcul Lktv num Payment 21 years $ 16,10OCO If you would like Infonnatlon about credtt counsegng services, cag 86630Q5238. BANK OF AI/ER'CA PO BOX 15019 V/ILMINGTON DE 19886LSCI 9 NM 8/atvczu Total tutu sscsttsen Pznnvtte Due Permecc Due Dele $ %16916 8373m 04/08/2018 DAVID PATR CK GONZALEZ 431 HICKORY ST SAN FRANCISCO CA 94102~ rater pe/mere amazon 5 cccce aov ev 4 ctseNz n tlcecg eacmcc a'rvM eurzoea LJ /tcccc /totcu ec teuccccu ctz M letctce ecu ucc ew ceceee elect ccn zecc clues eezetw ec occe er aMuca ~zaftig ~ons * r. IMPORTANT INFORMATION ABOUT THIS ACCOUNT PATRIG RCTE REST - We wif net ctarge tctrnl ws Psectases on de nes. stacemvs lf you pay lht hew Kskuce Tout In hA trf tie paymrrt our care, are) ycu I'ad pod Is fJl t'f lft phaWl Ptynrs Cso KTO. Wt «nlbrgr'srguguse t» cn Bslance Tpdssers ard cash ndrctsrn w da trdsact'cn ddt. TOTAL RITEREST CHARGE COMP(ffATION ~ Isert» Owgts accrsa dsf art tarp«napa Cr a da ly taus To de'.Or»sr« tte Irttreat Chargts «e nkfdply each Kikpct Sst,rct to Irtert» lk. ~ ty Its apcfcatk Cosy Fenodc Rat0 arid dsat inst o nsrri ps td try tpe rbepttr 0( days 4 tse buifpg cyclt Ta ant«she Ihe cosa lrtt'tl Crergt fcr Ire tncpg cyclt. 1st aod lhl ptnodc R»0 I@Crest ocrdes Iof)vfei. A cant FeHodc A»0 h caksA»ta ty dsrarg an Anssal tercerugt lkle ty 3E5. HOW WE ALLOCATE YOUR PAYMENTS ~ Paymrst are+1CCatea tO po5Itd IQlasc ts I I ytul arccspt hn tokeats whl's fftrvs A'k we w t anocate tie emcwnt ct ycsr fwynerc eoud to lte Tctal bl rorsan paynerc cur to de lowe» APR takrcn nnl Frc4drg sr~lors mark dter ths IG»emrn) Pay«ass Tres»Is In rona of yha Tctal bfpmsan p~ Cut wnl tt acpled lo tQ aran vi'I Hgrer Ans bt fort Idden win 4«er A'Yrs IMPOItTANT RlfORMATION ABOUT PAYbIENTS BY PHONE - Ya«n us rg lht opt anal pty-byIn«pe sere ca. you oapense us to hdd0 an ~kdrodc paynerl fran yea accosts at de tesrdd Tstbsckm yu aesigsro You »sat oct«rift tse arrespl dd Ifmmg ot each paymrG fw ycsp protectloss ior «ln ask tor Stcurlty Tfarns»lors A fra nlty apply tor ~stealer sr»ace. To cereal Gll ln tcfcrt tie schrrksed paymerc dale. sap«day paymcpu caps» be tdl ta at cwctied YOUR CREDIT UNCS ~ Tre Ttlal Cwifl Ure 4 da TPCSPC Of Creat a«anat4 lor tpe accosts, Ieweuer. Day a ponkm ol det 4 tubs»le far Bark Cash Aascrces Tl ~ Cash Creel Lte 4 ltat Dncsrc you I ate hcslade far Bank cnh l varun Gererany Ba»b cash ldsrun ccrp» cl Afbf cnl Aa no r ~v(cfOKH Ad ns -KUcra oH lauapces, Ouerarafl Frrnectros Cash lasseaes Cash Eddsdrrcs ore appscatk Iransacaot lets MISCELLANEOUS - Frcmolrvui na:0 End CaC0 THs dale h tased on 0 fuhre rwemem clop g calo If you chu ge your Fay«rc ds«G»e. TSS case coda d ar ge. Tle hew Babrce Total «Hch appears on ttrl sthrmrc 4 rot a payoff amlhts ard may be «tdct to aadlloret Iswt» dwgn «prn yh pay 4 lull aller Seta Tatmwrl dcstT) estt. PSO5t corsacl de cu»rrer senfce numb« hG»ed or the frrrl ol ths IG»tmrs for 0 pay«f5 w«k»G Unual cares are d e dgul form of yua etgtle ptyacd creel Cards»ored samn 0 dgiid walltt. 0 ÃI 8 KTI of A»trlca Carpcraticn CALCUlATION Of BALANCES SUB)ECT TO R(TERCET RATE l«rage Ca1y Balan ~ bladed Fnckdpg new Purchasnb We ulculx0 SOGT»t Bakrcn Sst)rcc lo an lettre» R»0 far Purdests and flu each bptroduclwy or PlomcdorQI Olftr taknct cops'Sting of Psadnn We do this ty (I ] Gi'CIAOhg 0 dasy taller for MCh dly 4 I e tn fig Cycle. 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(3) Gacdac:rg 0 dhiy bsuae for rack day pier tO tHS SG»emepl's bnwg cyci~ tlac led 0 Ptt Cyck talarct' 0 Pre-Cyclt babmct Is a Balance Transfer or 0 cash Aascrar with 0 Irwsacl orl dal~ prku lo tH5 5IJtemtpl'5 tnapg cyck lsa «nn 0 pealing ddt wltHn IHS»atrmercss bnnpg cycle; 0) Iuldhg ao the deny taceaes Iogtdep osd (0) dsadpg tie hm ot the daily bakuaes by lht rstrttr Cf days h lls5 IGItSmart 5 tnsr g CyClt. Ta cakssace Ita deny by«re ter eaCh day In tHS Star smart'S Hn pg cyde. «T (I) ukt de btgrrspg tllTct (3) add os ones»1 tonal to dr appacabk cony Fenodc lult muhipted lY tie prtvllws aa/5 daily bounce; (3) odd new Ed«at Trwsftrk raw Cnh Aasseaes and Trwsadlan Ftn. and (0) hotrad acptcatk payrurts apa cleats lf TY deny baluat ls Ins dios zero wt treat Il al ft'ls Ta cakslate 0 dasf hydrae for each day plot ta tHs suirrnerc'5 bntng cyclr dac led a Pretyck takeor (I ) we uk 0 tre tegrnrg batter allrbutabl~ sokly to pre-cyk bah»re («Hch wnl lw two on lre trwnadlon dal~ 0 f tfa fn: Fse&yck balance? (3) add m osesn easel ta tfe appacatl~ Cdiy Ftruxfc RTO Isbl Ipttd ly tie prtslous aayh daily takuep (3) and lsdd wty de «cf'crtk pre&)re taldues and delr related Trapsadfon fees Yk 0raker tntn chs cdcsA»ion an Irdnacllops po»ea 4 p haass Hmng cycks fre de compklr traps De canddcns of ycoa accosrl co»sun your Creat GTa lg rmsrG Thh acclkrl Is Issutd psd adrwc»wtd by KTO of ArrltrlGs KTI af lmtrlca f5 0 regl»ertd Iradenerb of Kink cf A»ence Corporalfors PAYMENTS 4 usa I »«ke prrmrw 4 d ae asw «vs«a a 00 aryw I ss I'I) wcsrwe tf S ons krd w«r or soews T«rr «00 «psnapw osrom d ysv nemwf srarsmmb ff) tda «It 0 dork stso» D Us asasrs I« t Us a»sped Dsessom or ~ lls, we sr nw«r Pros ue d) so»i sp 0«rrom m«rice «sherif ee r««sures tv0m SI fop s«ssmms~ o tsynrss rsrorwa bt n«t dur S om Drd w« t I lhs orv nmw saoeu se vy sksy bukdrd 0« ttsmms cus csbr. Da Tal Drepvw nev er stew mal«mmrk od be osdwl 4 el re npn osy tspwu msae ero«« ly ther «rl le cress«a as d t«date d «w cl 0 mew bf 5 am cepusc en«sr for OY ere Ops»«« msf le wllppra so D eie osfs carr'ssmru m«u vt on ssr«s ~ Aiu «e Trav Auns HIAI wo self br «rwsnl ~Ie 0 wkl Idsranloa« he ttr» I Hl rtr«ss ai «Dura ue est»scam «russ ee trwr «m«» srcpwl tt ««d «0 Ssrs« ITfre 5 T«resow mrv etrmms a«so ~ sco«red5 15 u«R eo TI«msav l«ml rn fsv decA Esrh dock s.aeplpl sa D crw«\ Ipe-w«sssco«sc tuas Irapds tu Troess II D 0 drd or truer arsrd fsmh n«y le vssots» hr»l yoa art«n 4 scv al ee wne asf se rscel«psp orr«s ch«ss s« llsl «lun«! 4 snu fre nwe ul«»sam w 4 soo ee euro«sc flees Irma«s cd ss tl Ite rs»ev loadm 1st hlpt If pu hsw turhtnwa ss 4 pf soir cr«fl cml bd Desnsscaty fnsn phr st«ds w cfrckbg tccrspl vh ss yh csr soo 00 osynvs m «Y m«sn fr«eoo u «neo 10 wsa Try»sr l Tsv Dl«'wl lord sn sr Inst twe hrs»sss dais td«0 te narmsoc ossmnr ls sfrrkasa lt cetus lt 50«r banns sldlrr«l w cwoon aero«lsm hn d«no«s or II your oadnpw h hrwmct n II aeoospo vs IHS bnt, phew prewar 05 crrredke« I«m Asdns ) Aartns l Stde A ra Code (I I * ~en Transactions Trenapppn Ppttlr g Ca.'e Cate Cescnpaur Fees C308 CLCrl LATE FEE FCR PAYI/EAT CIX TOTAL FEES FOR THIS PERIOD Refewrce Accrsrc 3!LCO 03000 C3/1 I C3/I I C3/I I 03/I I 03/I I 03/I I CVI I 03/1 'I Increase Ctrarged ls EREST EPARCEC CN FLRCIrASES I'rTE REST EPPACE0 CN BALANCE TRANS/ERS lrr EREST O'ARCEC CN O' CEPACI KEA9rACV INTEREST EPAKEC CN RArrCEA9I A"VANCES TOTAL LNTEREST f3IARGED FOR Ttas PERKRI ICL78 CCC a03 CO3 S103.70 Total fees dtarged er 201 8 Total Interest dtorged in 20t 0 534525 Interest Charge Calculation Yraa Annual Pwcerrtage Rate IAPR) Is tre arrear ecererc rare cn yrsa accrnnc Type ef Ba4nce Awwal Percen»ge Rate Transacden Offer ID Typ Premodenat Rale Eng Date Ba4nce Sublect le Interest Rate Interest Clrarges Iry Trarrsacltell Type Perclw»s Dalarna Transfers Direct Deposit and Cluck Caur Adeancas 22.2erev 212eerV 212esr V 25.2en v s s.ceyes s Ictye S COO S OCO S CCO 3 GCO AFR Type cefrrttrs cary Irtenst line Type v varlet/e Ane trace rvy acyl Important Messages Yea/re o valued ctccomer and we entre yau to know drat we Istvent racer&ed your oerert Payment cgre. Pleo:e send yaur payment dtw taCby lf yCS/Ye already lear led IL ttstrk yOu V/Iwn ties statement was created, tf e opposes's Crerst Une was In a re:trtcted status and not avol4ble far Iae. ~ate 1 er a Additional Information Need to ckspuse o trarssctianf Far tl e fxtest tkspuse resokeon, please concsct the rperchonc. lf tgauccessful. slrnply file a cpspuce onkne wwwkankofanenca can. Select tarp crerkt card account,dick tl e kdorrnsttan tk Sennces'sb and then select the 0&sputa o trassactian Ilrgc tglCef the Selvlces'ettlers page ~ gr g BankAmericard'AV'D PATRICK GOICIALEZ 431 HICKORY ST SAN FRANCISCO CA 941%485 BankofAmedca ~W Customer Srrvke lnformouom wrrwbatoranltnratrrn 1.8314213110 TTY. IXC034&3178 6411 blolna lnqulrtes to: Ilvt of Anunca P a 54.910234 EI Paso TX 79998.1234 6411 payment Io: Bart of annneo PCL Bor15019 Wknktron CE 198%.5019 Moron 11 ~ AOrn 11, 7018~r Account Summary Prevlaus Balance Paymerss and Ottvv Credhts Purchnas and Adp~ Fees Charged Interest Charged 5&IPL16 $ Cc $38OO $11829 Payment Information New Baksnce Tcul Cryrers Payment Due Total Muerrtan Paymert Due Paymenc Due Date $ 591&45 $ 21300 $ 711CO CSCB/701 8 New Batsnce Total Tcul Creel t Line Taut Credrt Awxlable Cmh Crerbt Une Ponlan of Credrt Avartsb4 far Cmh Sutemers OCSIng Date Days In Bilbng Cyde $ 5.91545 $7/n:00 5IA'7455 $ 2.1CC00 SIATA55 04/I I/%18 31 lf you nake no ockbttanal dvuges using ttes urd ond oxh frxlrlh ycu pay Tau will payoff the And you wig end 181 batsnce shown on this payrng on eulmated suternenc In about tcul cf Late Payment Warning If we da not recerve yaur Toul Mrrvnsan Pay/narc by the date luted above. you /nay have to pay 8 Lyte fee of up to $38 00 and yrna APRs /nay be Increased up to the Penalty APR of 29.995r. Tout Mlnlmum Payment Warning: lf yau make cnly tl ~ Toul Mmlnsan Payrnerc each penod. yau wr 8 pay more In Intere t and It v48 uke yau er tc off balance Fcr ercenple Orfy the Tcul Mrrintan Payment $220 CO 21 years 36 months $15.03000 $020Q CO I Savings ~ $7.622 OOI lf you would Bke Information about credit couruegng senrlces, call 866300.5238. SANK OF AMERICA P 0 BOX 1501 9 VALMINGTON 0 E 15585.501 9 Inn Balanre total tour larrntrn Prnrnrre Oue Pennent Due Dele $ 5 925.45 $71300 05/08/2018 DAVID PATR'CK GONZALEZ 431 HICKORY ST SAN FRANCISCO CA 941024%6 t fnrrr Crnmerc amaron 8 ns Crur& nnv eve rrurce orrnerrurnrvrr arrknr rennesLJ nooor rrovru ornrmrorvu rrr eu «muo eru trsr ew onom aura vrw \aN rmrt erreeu er aom or amrmo~rarrr I *'MPORTANT INFORMATION ABOUT THIS ACCOUNT PATHS RfTEREST - Wt wll nct dange Went e Purchatn on tie nex statmeo If you pay Iae 5 ew gateet Teed In Vl by tie Pazmec Cut care ed yculodpodlnf art kytveprnrcanpafmec CaeCxt.Wtwnlbeg'r chJtgtyfkcenc cn Libre ~ I'cart \ eci c45h Advctxts er lfo tresxtter dart. TOTAL RCTEREST CHARCE COMPUTAT)ON lrttrnc Chargn accrue ard 4rtc~ Irl 4 only Mlls. To dtltrnvrw Ife lnltrt51 Chegn wt rratrprytatr Ra(rue sabtrct to btetx Itxt trf lts acpl exb Dady pt eyc l4lt ird lhx It5ult il nkfi Flied by tht larder of dlys trr tte tttfcg cycte To dettrnvrw re total tntrnt 0arge for lne balrg cycie. we aal de Pencdc l4ce Irtent Owrgn irk)ttl tr. A Cesf Ptrie5c l4!~ Is calculate by ctrdng an Artuat Fecenlafp Anc ~ by 3f5. HOW WE ALLOCATE YOUR PAYMENTS - Paynarts sre asocatd to posted bararcea d yrkt acolrc has bataun wrth Iffitters Arffe we wni soocatt dw ervkrt at soar payment Veal to de Total tf rsnkm Payrec Cao to tht lowesl APtl sdecn 5nt Pnclrcfrg treaSatlrrs made art e dvs xxtmeo( pnynwH enezts in tens ot yxr Tccnt lfvvnkzn pnymec cae WOI be aooatd ta bakrutS Wcn hg'tr Arpa btfCrt tkdeetl Vth tCWVAPOS LCPORTANT RfF0RMATION ABOUT PAYMENTS RY PHONE - Yten usng the opc'oral Pay.by.p cne sconce. Tcu aucrortze ld to format an ~tectresc pnynec horn ycra acenc a ttw Ftardx wsoratkm you deuga:4 You rrast autforlte tfe ervkrt and bnsrg of each pasrnre For yrkr prated'cri. we uao tsk for vcarky Ir lan"attea A fee may apery for erbedi ad satirice To cree( cdl ao bt fnrt \Ie lcntcdtd pafmec dxt- Sewday paymercs canrot bl tet td or ceo tied. YOUR CREDIT LNE S . Tl e Tctal Ciedt Ltrw ls tie encato cf cedt aunonb' for Ihe acort, tweeter, evy a panion cf that H aeiable fe Lrk cash Adoreto Tse cash cred I Lhw ts thee effarc you tdve avonntb ter Bank Cadr Abecn Crtrersay, Lob Caw advrrcn eruct cf ATSf Cath ad nO .Iff C e{O{nLW ad nS Advoncee Ovtffraf: Frcttercn Cnh Advsrcee Cnh Eorfvsiece arvt acp scabte trarsacdon feeb MISCELLANEOUS . Fromode'al Rate End Cat» THs date is band on 4 future stxtmtnl d."5 rg care. If you durde your payrnre due dace, rvs ance coasd change Tte bcw Estates Told wnch appears In ttH xrernrc is rut t pascff enrkto ekt mrf be et)ect I o aktt iNQI rlernt Chegel Wren yeu Pay or fud after )our xaterwri ckn ng dxe pease ce ~ the cavever tenrce ratnbtr tccaed Ial the trots C'I Itis xattmek flu 4 baron evkne Sf nlrat cards are tre dfycx fem ot yeaest)mb phySfcat creel corn eared «up n 4 dty& veatt. 0 1Clg Lrk OIAnenCaCCr cane CALCULATtON OF BALANCES SUR)ECT TO RfTEREST RATE Aenagt Daily gncaut snarled Fnckrdrg new purchaws) we car cubit stpext Ldzrcn Sat)tls to er tnetx l4te for urctwsts arvf for eah tcrockct eyer Prcvncdcrdt Offer blcanre conaxtrg cf Purcedstb wt do dcs. br {1 ) caYutxkyf 4 dasy bnksrlct for 44th dzy kl \he to tug cyclt {3) oddng all tre dany babmcn tcfpcnen ed {R dddrg do «m of de ddiy bsamces t y tat nnrbtr Cf days bl de Udtg CyCke Ia cdcutxt do dnay beaut for eah dny In tH s eatevert'I blrrTL cyde, wa (1) takt de btgrrnng bztancri {3) akt 4 enoarc eouat ta the appucabw Da'iy FtnOC"C RXO rraftipaed by lne PreVIWO dayb ddty bntecr, (3) aai neW Purdante row *cats Ftes evi new Tranladron Foes orvt (4) bt tlat acprczbk payrurcs and trodi5 If PY daay batanct H bss due ttre ne treat tt in zona Aae agt gztance tntdvkt Frcktarg ntw Ldanie Transit rk and rew Cash Ahcrcny we caklfatt stpawle Lances sub)ecc ta an lrcertst l4tt for Rnkmce Tresftr%, Cnlr Acuecte ekt for OOCh lntnxkrdey Of PIOmaioMI Cifr i bdece corsrstrg of gateet Trenftrs ar Cnh Advarcee We do CHS by (1 ) cabinettg 4 dasy bakrce fe oah day kr IHS Xaremes'I bdtug cyctn (3) cabrdarrg 4 rkuly bract fe tadl dny prie lo CHI xatenerc I billing cyci~ 4 x had 4 Ske&tcla batece ~ 4 Pre&ycle tadoact ls 4 Satarxe Trest tv or 4 cash aororcl wiln 4 tresndkm dxt poor to tws xatmec'I bilsrg cyc4 cat vth 4 pox'rg dxt vntHII tHS xatmtrc'5 baling cyctri (3) adrarg ao tho daily bdrncn togtdwf: evt (4) dhrksrg \ ~ satn ol the duty bdarcn by dlt rvtrbe of days ol IHS xaslnerc's bilorg cyde To caaozat tte dailybreoe for eadr dny In tHs stattours'I billing cycte wr (1 ) Inst the begrreg balareel (3) bsd an ensate eoux to dw apptxabte Deny petezc I4te nkfdpstd LY ttw prrviers dnyb daily Caterer, {I) add new gceue Tresrerb new cath Advcrces and TranMcticn Fen, evt (4) suHrat acpccnbb paynerts ed traslb If ary dnoy balance H isis ther ztro wt trtx it 45 ttna To cabtdact 4 dairy breue for tach dly prior fo tHS 5tatrhtrc'5 bill ng cyclo thx Idd 4 FIOCycwbnkrcr (1) wt take tna btgrrvcng baiece annbutadt sobry to Prt-Csde balaroe {wwch will be zero on the tresactknn date af the nnt fke-cyde bnareeb {z) aid an enate eousi to the appocnbie Dary Pertctyc 14s ~ rrul'.Ipsed by tne prtvkkd days duly balance: (3) ed etd ety de apse caco fkeCyce barzrcn ed ther related Tresactron Fne we ~aedt frrrl IHS calnaxiim 44 trenadlons posled In ftevloul baling cyckb Fo dw cefflete ttrmS evt Condttes cf your aCCan. Canluk your Crtdt Card Ag ttmre Tin acwrt Is Hbrtd erd aclrefstertd by )Lrk of Amertco Lro of bvrica l5 4 regrwetd trastnauk cf Lro cf Avwrica corporatlea PAYMENTS wt cere I nu bd stlmre as cz oe rbe rtctree 4 oo atrmer ls I'I) nomad Irt 5 am lect eo tt ou aete rvnm m oe rtnvturve ptwm el tav ncnIHI nnrtmmc cc Itki n'4' dock 4 wn ar ti5, ecatvs v 4 ti1 anmdd ireatl om lt a Us rift nr neer I!ter; le O. Vnl Ir oo rvktt evvrnw vw erl du ~tnvlrtne sonien tt twt Iuwnrnt aemorsrff Is Pormee rtctrvtd os mts tier 5 am steal sno e ae wekltre tarte v rY otf vvktsff au ntrntrv can cee. tac eot Oeeve nvt et Irtme Ivwz~u wo Itl ooauo sa ca eo rett ert ttrntw srvdv wont e 4 owet we te rud wd w II eu vw rd rvree 4 mvov te 5 4 m ctr etl cnnvl Iof ey tee orrnmu mtl br cited vo lo aw otya carr'nrvrd mast «re evr stouter atu err ttoe anv Ialai ne est kv Iteood vt' ed becheWr PCS ho atrnmt ooo steve n m aced srd vsAcoe vocal ee rre vvtun tcesve ~I en oi wv Seve Cfires wr rtcee twn arrnvv rrerkr ~ vroercoll sy urrd te brenuom httd o paa dvda fah dvck tuouaer as w crete s are.vu etceew heel oere lrr sncns lt w 4 deck e atce etre fanni rrtt br voetvm lnm twt Icukrv w ee' re wnt dtswo»re» ttv nrtmne clucks ee ne «kmd w pt le tee orenvram e w eo eo tecoevc ktos o mli«a es ur tt eo wmce sued4 ro fwro 4 nu hne bnkvtlel ro e ley rwr oaf I cet bo tcnuocub bvnl ttat twvxl it ceeded arete vrt'a yw e Iko ee strnnn ol OY ewrtsweek ls veo to Iko ptrnre ykt lekt rrae rokh ul e but Ihuv saeuw dtzl brreo ee beeotc ovrwnr rl ureoztd w IKON If sev bakff odoew e ceotcc Iltnntloll hn chtfftvt v If per ofdrvw I~ ~uervac oa I~ tsotet wl IHI UIL pwov orevub eo ctettlkmt hee Adens 1 Area Code 4 home Shee Area Coda 4 Wek Frere Transactions Trarsactlsn Fcneg axe Ca'.e Ceccr/Ellen Releuree lancer Jccoae Fa/reer Payrnelns ~Ild other credits GK9 CAC9 FAYVENT. THAhe YCV OlI I TDTAL PAYhtEHTS AND OTHER CREDITS FOR THI5 PE It KID fees CACB CAO9 LAII FEE FCR FAYs/ENT OLC TO'fAL FEES FOR THIS PERIOD 2821 Dl/I I Dl/11 Gt/I I Gl/I I Gus I CA/I I Gcn I Gt1 I Interest Charaed INTEREST CI ARCEO CN IcenrhcES INTEREST CHARCEO CN 8ALAI CE TRAESFERS INTEREST Cl'ARCEO CN O'R CEFsclre CASHACV ll TER EST CHARCED CN BANR CASH A" VAhCES TOTAL RITEREST CHARGED fOR THIS PERFOO 118.29 am am am 511829 Tcul fees charged ln 2OI a Tcul Intere:I charged ln 201 8 $ '114 EEI $463 54 Interest Charge Calculation Your Annual Percentage Rate IAPR) Is tie trend Fceesc rue en fear acceuru Type of Ba4nco Annual Percencase Rate Transacden Offer ID Tn Promeoanal Rate End Dace Ba4nce Subject to krterest Race Interest Charges by Transaction Tyf» Pwchasee Ba4nre Transl ers 2249er V 12aerr V 5 Er19220 5 118.29 5 ceo 5 Dlrect DePoslt and Check Cash 22alrrrV 5 Qco 5 cco Advarues 14rlk Cash Advances lhlehv 5 am 5 cco AFR Type Dehr/ccrc ocay Interest Ilxe flee. v varuc» Ri, ~ trace may ury', Important Messages please read about lrnporta/8 amencynentls) to your CrecRt Card Agreement and/cr nctlces for ycur accccce cn the endosed Impo/tant Informer /on page. V/hen ties sutement wa: created thc accocae'5 Crccst Un@ sros Inc mt/Icted tutus and r»t ava/4ble for usc Fats 5 d 5 Additional Information Need to tkspute a trar~rcnf For d e fa:test dispute resokroon, please carcass the neichanC. If tersuccessfif. simply file a rkspute onlme wwwbankofamerlcacontSelectyourcrecotcardaccocnt.dickthe hfornutionfrServlces'tabandthenselect the Disputeatrnsaction knk under tl'e 'Service secuon Together, we can help pretest yaur attotrt agaeot f uckkient actNrty Vl it the Security Center at barkofamencacomlsecunty to leam more atxn t how you can help protect your privocy and safeguard your accourts. Pw ~ vi 6 Plesse review the enclosed annual Privacy notice Inset fcr yrxrr accord. You ops also review this lnforrnctlan onlIne lf you have registered your sccctsit in Online Banking. YOUR B1LUNG RlGHT5 This notice tells you about your rights end aur responslblgtles under the Petr credit gllllng Ack If yau Ovrk there Is an error an yOur Statement. write to uS ct. gcnk of Ainencs P.O Bcx 902234 El Ps."o. TX 79990-2234 In yore letter. give us the fcllawing Information ~ gcsfngrtinfplmATttv Yrse csee cnd acccrsrt rvsnber. Tl'e doll& omsslt of SI» siopected error. ~ Daalpflorr Cfygcbleg if you tlvrk there is wr Price an yaur bill. descnbe what yau believe Is wrang and why you behave it Is O iiV trike Yau mat carcsct vs ~ Within 60 dsys ofte& the error cppesred On ycss ststemert ~ At least 3 business drys befcre an automated psymerc Is sheecksecl If you ucvrt to stop pcyn»nt on the wncrsrt yau trunk is wrong Yea mat notify cs of ary pcsentrsl erron~ You rosy c=ll us. buc If you do we are not required to Inve:tigste any potential errors and you msy have ta psy the omorsrt In questroit Ncte It is very helpful if yore lener Inckrdes the tressction date ovf ee reference number for the charge. If avoitsble. I cn r e I ur VA»n we receive your lener. we mat da two thirgs 1. Vntlsn 30 drys af receiviryf yaur lener. we mat teq you drat we received your letter. Vle will also tell you if we love olresdy conected the error, 2. Vndvn 90 dsys af receivirg your letter, we mat caber ccnecs the emu ar evplorn to yau why we believe the bIII is correcc Vnvle we inve.tigste whether cr nct there Ios been m error ~ We eyelet try to Collect tl'e cmorsrt In ~Ior\ Of fepeit yau CS dekivsreis cri thst~ ~ The charge in qr»stion msy remain on your ststement. Ond we msy cortes» to charge you Interest an thn unrssrc «Vlhile you do rct hove to poy the omcrps in rsrestrois ycu are reqSaraible for tl» remainder af your bctsnce ~ We can apply any uipcrd amours agsirot your Tecsl Credrt Lrr» Afte vve finish esr Investigation, one of two dvrgs wrtl tuppeir ~ i You wrtl rvrt tave to pry lhe cmc«ec in OueStiCn era«y iree est or Other fees retstpd to thst onOJrt, ~ ii i + You will hsve to pay tie omcrsrt Inrsrestron, along vnth applicable Interest and fees. we vuq send yrsr o stater«ert of tria cmorsrc yau owe and the date psyrrent is ckre We msy therl report yau as deklvs»nc. Inc4dirlg to credit reporting cgervieS, If you do net psy the cirouie we dvrk you owe If yau receive our evptvrsuon bus still behave your bll is wrcncr ycu must wnte to us widen 10 drys telling us that yau still refuse to pay If ycu da so, we cuvvrt report You as delvvs»nt wnhovt cbo iepororg Ovvt ycu are qusstirvvng your hill. We mat teq yau the +me of anyone to whom we repartee yau c: deknquenc. Ond we mat let those orgsivcstreps knew when ths rraner hss been settled between to If we Cc not fallow all af tl'e rules abave, yau do not lave to psy 0» fiat 350 af tl»~ you question even if your bill Is carren. I r Prc«s of 4 Mrr rr I ~ ~ I la If you ue drsSatlsfied wrth the good: or servICeS the you have purcha:ed eath you crerkt cant and you have tried rn good forth to correct the problem wnh eve merchant. you may tove tl e ngvt rot to pay the rernurvng amorec due on the purclcue To use this nght. Oll of the followlr g nvot be true 1. The purchase rrtot have been made In your home state or wrthe 100 nvles cf your crarerc mahng addre:s. and tl e purduoe pnce ment have been mere ttvvr 550 (Note Norther of the,e are necessary lf your purchsoe wos Med on an advertrsement we maded to yoct Or If we owrr the company that sold you the good or servICOS ) 2. You must have mad yourcred t card for the practcne Purchases made vote czh advances «om an ATM or wrth a check that accesses your credtt card accourc do not tscdlfy 3. You must not yet love fogy pard fcr the purcfcne tf all of the cntena above are met and you are stra tk satbfied wrth the purchase, contact us kr wrrtrr g at Bank of America P0 Bos902234 El Paso. TX 79998-2234 VAle we Invntrgate, the same rules apply to the rkspraed amerce as drsnrsed above After we frrvsh orr Investrgatlon, we veil tell you our declslon At that part. If we tieok you owe an +nant and ycu do not pay. we nuy report you as dellncsrent. c701 8 Kerr or Arvrnca crvnsrar m Aa nsfrs rrrennrt pres cd S Bank Americard'AY'0 PATRICK GONZALEZ 431 HICKORY ST SAN FRANCISCO CA 941024608 BankofAmerica ~W Crntemer Service Informedmv wwwboccfmwrrcaccm I.K04212110 TTY: MXO463178 Hall blmna Inqrcrles to: &re cr Aoeneo P.O Scs 982234 fl essa TX 799981134 HaII payment trc Stre at annrlcs P.CL Sor 1501 9 V/Vrerc'.en Cf 19886 5019 Arre 11 ~ Mar 11, 2018~rm Account Summary Previous Balance Payments and Otr cr Crerkts Pvrchmes and ACF/stmcrts Fees Charged Interest Charged New Balance Toul Taul Crwkt Line Taul Creckt Avaltsble Cmh Credit Line Pa/tran of CrerSt Avartable far Cmh Sutement Ooslng Date Days In Blglng Cycle $ 5.92545 San Leo $38/e $11081 $607406 $ 7/XCCO $92594 SZICCCO $92594 05/11/2018 30 Payment Information New Bakvrce Taul CurCot Paynvent Due Past Due A/narct $607406 $20700 $ 113CO If yau rake no addltranal charges using ttcs card and cath month ycu pay Yau will payoff the bable shown on ttes sutcmers In abal't And yau will end Iar paying an est/mated tcul cf Tcul Mvvnscn Palnwnt Due $42000 Palmcrc Due Date 06/08/2018 Late Payment Warning lf we do nat race/ve your Toul Ml/vnsan Patmere by the date 1tmed abave, yau may lave to pay 8 tate fee of Im to $38 00 and 3our APRs rruy be Increa:cd up ta the Penalty APR of 19.9996. Total Mlnlrmen Payment Wamlng If you maLe onlythe youl Min/assn Payment each pcnod. you will pay more In Interest and It vali uke you er ta off balance For c le Only the Taut Hi/!Incan Payment 11 years $15.074 00 If you woukl Rke lnfonnatlon about credit counsellng scrvlces, call 866300.5138. SANKCF AMERICA PO BOX15019 WILMI NOT ON C E \ 9886-SCI 9 New Mace trme fetal ssrvnven promerc oue prnmere Oue De/e $6074/76 $42000 06/08/2018 DAVID PATRICK GONZALEZ 431 HICKORY ST SAN FRANCISCO CA SI10248N fritv oermere amoare arear /Iov eve owvv erooovoervm o /now lvovos LJ nmm Ovoor cr rrowwow rvr oe orovr eor wc emmmm eeoc vm rvvr crom sewvw vr evnv er nmme~ra rzr r r' ~nnl IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAY RIG WTEREST ~ Wt w II rdt ddpe I%crest tn Arachaws On de new stater«em II Sou pay I"e hcw Baseee Tocal In fcd by de pa%mere Cue Calo encl you had pall D tJ I ty Iw frwovs paynns (Ae care we eaa tcbv» chwg«g I%trad tn )jscsrce'fm'ns ard Cath Advances on de Irwsacydr oatA TOTAL R(TEREST CHARGE CObIPUTlT)ON ~ I%crest Owrgts accrue wd art Cptsrvntd on ~ dyry basrS To dtlt«mine de I%crew Chngts wt rnuhlpry tJch BJIJ«ce &cd)tet lo I%wed ILn~ ty It5 tpptcatkr caay pe«odc Race dd that rent I ls nstl pl ed ty de rvrrsrtr of dtys D Iw boc«g cycw. To dwtrnsre dw total I%crest c targe for d» totng cycle. we Jdd de Fencdc Rac~ Ittrtsc Ckdgts 'lcgtdtr. A Ply ptnodc lost l5 Ul'Clstttd ty dv drg an Alvket Perks«latd Owe ty 355. HOW WE ALLOCATE YOUI) PAYMENTS ~ PaynenrS Nt Osccated lo posted bardeeu ll yctc accosts I as taswues with ddtrws ANIL we o«l asocwe tte dnoct cf psk Prhnvr«I edud to dw Tctal Sl romtn P~ BLC to de lonew APR balances 5 rsc presasrg Irdnacdors made art tv dvs SMcemers). Paymce Br«ness In tKass of your Totd Ilvervtn Payrntrs (Ac wal be appaed to taseees vtl hgrer Armts helve baunces vtdr lower Jpc)A IMPORTANT RIFORMATION ABOUT PAYIIENTS RY PHONE - Yl.en usrg dw opclarel pay ty-I«one strvlc. you audorlte Le to enlace an ~hccrortt pay«ere Asm yoa acewas ac dw Fvvwukd Isutstkrn you deugcnn you rmw artorlte tte dwkrs e d dntrg of tach papnmt for yon protKI'en. Vt vns tw for sccurhy ufon Jctrm A fee rrwy apply lor egvhyled %enact To tweet cdl vs tefsre d~ scteCUed paynerc dale. Sanwdoy paynerss cvncc bt tcc:td or corcercd YOUR CgfBIT ERIE 5 - Tl ~ Total Crecsl Ure ls dw onoas ol trodi arwlat' for tte accocc, however. O«ry a ponwn cl that ls Bvobgh far Barn Cash Jdrctueb Tte Cash Credl Une Is d Jt dmkrs you tave Jvaf)at%a fcr Bwn cash Ad%arses GtrerBey. Sacra cast lcwrcts crvs w ol ATSJ cmh ldvanceA Over dw Cnrstr (OTC) Cadr Jdvcveeb Sane-OJTCkonl Cash ldvarces. ovewrau Froltduon cash Adwnceh cash fovcneercA at! appacatlt Crvnacdtn fees ARSCE(AANEOUS - froncdonal l4'.c frd Cate: TNs catch tased on a future meant«c chord ddt ll ysu charge your pay«%no cue dace. des dwe cold chpy)t. Thc hcl~ BBIBme Total et%eh apptars or dts st%ence l5 rot a payoff onrknt and «wy be object lo adddteal kstrew creed%5 veen ycu pay ~v AA aller yoc scat tvwrc eh%md dJI t. poa5t cw ~ tht customer scrvrct lvarter tocwed an dv frere c( dss scattmcm for a pay-off anoct tanud buds aro de dfytd fwn Of ywc te(fth ptydcd croyl Cardl gored vudo ~ d Rial weptt 0 TGIB Bart of lr c«ca Ccrporwuvv CALC(RATIONOF BALANCES SUB)ECT TO R(TEREST RATE Ave wgt caisy Bass«ca tfcdod (kcknynf rww Rvchnes) Wt Gy cukue sm«dwe BBLeecs Set)et% lo en Oct esc Pace for Purctwses and fru each btrorkrctwy or Pre«rode«at Offer bakece cons'sdrg of Put%he%CA Wc do tNS ty (1) cnbc&xlng a dlpy bJLSlct for each day D de tlllug Cyclt. (T) add~ ah Itt dar"y bdarct% togmne« trd (5) dvrdrg de om of de deny talarccs by de rtrrcrw of dly% D lhe thang cycle, To cab%fact cte deny scarc~ for cack day In ths stst tnwrc'5 bllllrg cycle. we (1 ) Ukt de tcgrrsng Ada«et, (y) akl an ac«cere toual ta tte applhabh Roly period c Race rnurdp sad try tt» prwon day's dally bBLece: (3) ackl new~ rww Jccoas Fees dvs «cw Trot%Bc%Ion fees, and (B) obtrwc Bear cat%a pay«Or%5 anti dtdl'5 If PY CWlf bldovr ~ h its% than ttra 'wt Ircd lt Jl tens Av age Balance Uedod Frckrct«grew BJ'Once Tron(crt arv) lew cant ANuees) Wt calalxt shknalt BJLsrees Set)etc ta an fr%crest Lite for Baca%ca Trderwb cash Adweet\ and for each Introductory or promcnlonal GUer baldet Cccsrulrg Ol Raidse Trorslers Or Cash lchwces We do tNs by O) cdcutneg a dosy takuco Icn tach dty bl INS stdtrnem 5 balky) cycbt (y) CJDddty) a deny take%ca lar each dly prior tO the statone«l'S bnsr g cycl~ dK hid a Nvctyckr taceka ~ a prt cydt takeee h a Balance Tramfsr or a cash Jdrreee wrm a I artacdon date pnor to tNs sudcmers's basr g lych bvtvd a po5lug doc wltlev CNS sun%mars 5 balt'g c)clt. (y) add«g aa dw daIIF Cvuances cog«do«ovd (J) dvl6«g tHt han of lhe dldy bakevccs by de rsrrttr of dtys tr dh SLY%mere'5 LBS"g cycle. Ta IJkuknt de dany bawsce for eJch day D etc s %cater«et%'5 tsgrg wit. VD (I ] tatt tht tag'ree'g bakueg (T) add an O«OJS tdual ta tie JPPSCJblt Oaty Ptdorfc Rxt rmhrptto ty Ite pcWors dJf5 rsyry has%oct; (5) add IWW Ra!Ossa Trdelwb ncw Cah Advonccs ard Trdnanlor Fees. Jnd (J) Ottrad Bose CJtlt lwymt«ls dd Crtdlb Il arY daay tJLSrut IS IJ55 dvvr Itro wt trad To carcrld e a ddry tarwet for each day poor lo tNS ssntmem'5 I'lsry) cycle doc Ivsd a Prtcych taktreo (I) wt take t w btg'rvtng take%I~ aclrlblcatl~ %awry to pre-Cyew teceee (nwch wnl be two on tie Ira«sankw dale of tl e hrs! (Iexych bakeee t (T) Kki dr dnrnnl tonal lo tie appocablt odly penodrc Rsrt nktdpttd ty de previod daft dally oak%wee: O) dkl add orty dw acsecath Profych salve a% ard ddr reWed 5 ra«sacdon Fcob We cvcbdt hwn IN5 cJkl&sclon ad crdnadlom pa%ltd Irl prwous bdllrg cyclts For dw corrphct Iten% dw conddlvs ol phc account. con%uk yoc Crtdt Cod A(ye%mern TNS actors I% Isoltd dld adreN5fwtd try BJ«II of Amenoh Boo ol America Is a ref(%ctree In%esmark of Ben sf AnwrrM Corporadds PAYMENTS ~ we nws r noua arynvu K ct ee orw reurrvve d ee evpvt ls Ill recvrvre ls 5 am lord ene K ae Bocrvw uvn o ee vnnvv ovwv d yrv nvrvt sursnnc Ct, Inu! vn J dec% e Bnn h U'5 assr«I trl ~ ll 5, tnuvtd seen.em v B US, roan nwvr aran; Bns Ol sne o ee wtvm vvernw ve Orts ee nnvnanw o$rsm el prvr lu wnvr ~ cnwvsvd rc per«vrrw volvo ts mtt «o 5 pm locd r«w ar au n«%rucvu tdnws e vy aw lnckrtrd oe oasnrm on (usr tvt euleavvwnuecetdev toannsmnnwleoeowewel ownrnaet~ nsev crow v bl dwu no ke nverwe Bt d ee otw d vcret d ntoe It 5 om cerwtl Gest fer tnt sew arymnrs ner I~ auereo ve w ev ohn cwl nrynvo nwls nnl oe oavncr B IJ vn Svav suht Is%BI vo uellewceolecve twso Derenrtnn PP) lw at%vert duo onr na K v Kconl ve wssrwov vmnt ee orv nncw« tccnnd el nw ol oe svnr Cyrevs wr pere%% «wn atynvn dedu cvreonraat llr vora ee rhvnvkv rcune rr pur decA fJd'hwl onhntv le w oww J crvrvw aucenw tuvn envrv lsl vcww It Bs s duct or pev c Brr, fvrvu nel te vevkov tnvn nnc Kcove w orn w tw svw rus ve vceuv snv psyv % ducks Bre nn revved D tau fv nore uhvnuov w w soe ae ecrevw srur ovdnL csa va tt ee nnev luwle ee hve d pw htv onmvlod us D Ny Io/ dost caro be won«%%say hon pvr tends tr chwtrrd Jccont ve vl ysv o she de atynvtv vy nun«tyro ene I%Oned fe ~tw pnmnc soc Irtre «vnt lvul ln at lvnr cve Ivrvest Ittys wren ew onewec topm I ls sdwosre w cccv lreenvcs es I Banco% wr Iles bld, pleese prWOI eo cenectuvw here Acta Codt fr Area Code & Transactions Trarsacdsn Pesurg Cate Ca.~ Cescnc clan Fees CS/CR CSCS LATE FEE FCR IAYI/fhy CLE TOTAL Fff5 FOR THIS PERLOD rale srce lancer Recon farmer CS/I I CS/I I CS/I I C5/I I C5/11 CS/11 C5/11 C5/1 I Interest Clanged lht f RE 5 1 El ARCE0 Csl HRCPASES II Tf Rf SI O'ARCED CH EALAAEE TRAsrSFf RS II,TERE51 O'ARCEC CH C'R Cf FSEPK EASI/ACV IATERE 51 El'ARCED CH SASK CASH A VANEES TO'tak IIITEREST OtARGED FOR THIS PERIDO I IQ61 QCO Q03 QNI SI Ical Tcul fees charged Ln 201 0 Tcul Interest drarged In 2018 SIS200 4524.15 Interest Charge Calculation Your Annual Percentage Rale IAPRI ls the nvsal Irceresc me an pae accrsru Type af Balance Anneal Percentage Race Transacdon Offer ID Type P/enradanal Rare fnd Date Ldance Svblect ta Interest Rate Interest Charges by Tfansactlafl Type Pwchases Balance Transfers 2249% V 12eyer V 5 sslrLTS 5 11061 5 CIKI 5 Direct Depaslc and checlr cash 12eysr v Advances 26aWrv 5 CID 5 CCO 5 CCC 5 AFR Type eel nr/en eely Y .em Rare Tycw v varuwle rce~ [race nvry neyf Important Messages VIR/re a valued ontomer and we nant you to know that we have/yt received yea/I ccerent paymenc due. Plea:e send your payment due tocby If IOINR already nvv led IL dlark you When dc 3 sutemenc was created, the account's Crerkt une was Ln a re:Cncted tutus and rwc ava/4bl~ for use. eras 3 al ~ Additional Information freed to dhspute a transactions For tie fastest dispose resotutron, please carcass the nerchanc. lf tgouccessfut. sincrly file a dispute online www hap+ofneo cont select your srgest card accrgert, sti* d e tnfornration & senateet'ab and then select the 0 ispute a trxoactron tink under the 'ServlceS Section. rota ~ ar ~ BankAmericard'AVD PATRICK GONZALEZ 411 HICKORY ST SAN FRANCISCO CA 84102~ BattttofAmerica ~W customer Serrate krrormeume wwwaerreorneeocaccrn I RXL421.1110 TTY 18CO34&3178 Stall trlaloa Ineulrlee ue See el arne era Pae 982274 EI Paw TX 79998-2114 Sleu Peymeet Nc Seer or amreca P.CL Soe 15019 Wee!recco CE 198!% 5019 Account Summary Prov!ous Balance Payments and Other Credrts P!achases and Ada.stments Fees Charged Interest Charged $ &074C& -$ 45CCO SOCO Sttoo $10981 Payment information New Batsnce Tcul Etc!crt Payment Due Tcul Mrreneen Paymert Oue Payment Due Date Seer 1 1 ~ kne 11, 7018.~' $573558 $ 15$CO $ 185CO 07rra/2018 New Batsnce Taul youl Credrt Une Toul Creckt Arse!able CYh Cre!St Une po!ttcn af Creckt Ave!tab!e far Cash Suternent Oosrng Date Days In Brllrng Cyde $ 7XXCCO $ 1~&42 SZmCO $ 125&42 CElt 1120! 8 31 If yau make no addn!anal cturges uskXI ties urd and each month you pay You vag payoff the And you ueg end up bat!ace shown on t!es paying an coo!noted mtement In abet tcul of Late Payment Wamlng: If we da not race!Ve yaur Toul Mrrvnsan Palment by the date bated above, you may have to pay a late fee of Ip t O $3d 00 and your APRs rray be Increased up to the Penahy APR of 19 ScPXc Tatal Mlnlnnnn Payment Wamlng If yau make only the Tcul Mrnlnsen Payment each per!oct you oreg psy more in Intere:t and It veg uke you er to off balance Far eeample Only the Toul Mrrerreen Paymers $220 00 21 years 36 montla $1535500 $7.920 CO (Savlrgs ~ $7,435 00l If you woukl like Infonnatlon about credit counsegng services, call d66aoa5238. SANK OF AVER'CA PO SOX15018 V/ILMING TON 0 5 19888 5CI 9 New Sel recco Tote! later kererrcceo Pelnrere Oue Permere Oue Ome $ 5.733.58 $ 18500 07/08/201S DAVID PATR CK GONZALEZ 411 HICKORY ST SAN FRANCISCO CA 84102-5808 Crrece eoe ee ~ crreree n'Illa@/g ecereee co orrrvw oweewe LJ never reowco er eoececere cvr ew rerwee mm uee elo eeleee erect enl \ere ceem eerecm er aero or eoeom~terre IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYMG MTLRE ST ~ Wt wi'.I pcc charge he we» tn Plpcrow cn p«r«d rcK« cm If bcpl ply I-0 I tv Salemt Total hr hzl by Ilia pepmpt Cuo catt Kid you had PJl5 0 hil by cpe prtv«5 paymm (hrt BJtt. we «Rl begii charging teeniest trr Bdzm 0 Trwortrs are cmh Adrcmes on tte fr«saclfcn dat t. TOTAL MTEREST CHARGE COMPUTAT(ON ~ Is&crest Chaigts actn«and art CTrpcczukd wi 0 ddy bass To dtieme«Z It«hcercst Ctorgcs we munlpty each Bthsme Sub)ect Io Imcrest l4'.~ Iy Its acprcab0 cany prpocfc RKt Ied Itat rt«(i fs pcn ps cd by tre rsrpbcr c ( dtfs ar Ipe 41trg cycl«TO orner«Cpo Ipe total htcmsl charge (cr Ir«(pgpg cycle. «o Kkl 0« lkncrsc hatt lptvtsc cyargrs sentipm. l caisy pvkusc lls! ~ Is cakszated by dvdrg Kr Altsral Ferccmage nott by SS5, HOW WE ALLOCATE YOUR PlYMENTS ~ Paymtms tre OSOCKtd ta gested bdzmtt It ycsr accovt has btknces «rth d((Kern Apnt wc wi'I ~nocare tte «nlhnl c I scip gayr«rc eoual to d«focal u rortzn paypcrt cut to IHI kr«csc lpn bdrpccs R rst pmhcn"g tr«rsKIII«5 pwdt 0 ttr Siss stalemtm) pa(mom amccpcs In t seats 0( bran Total ucfpszn paymem cse wnl be acptkd ta bah«res witl Ng«r A(%5 be(ort bid«utstvar kwer Ann« IMPORTANT MFORMATION ABOUT PAYIZENTS BY Pt(ONE ~ Shten udig tte ISCIceal Fay.by.f cne scrdca. you aud«rite CS to hit(ate an ~Iccircrtc payr«m from (era accrhn K 0« frnamsd kecnstkrn you dedg a'.« You m.» authonze tte Kprsr5 «rd dptrg ot each Cabinet For ycsp pnncct en. we wnl c» fnr security ufrpmmkrs A fte may acply for ccgerzr td ~tivct. To covtl. can us bc tort 0'0 sctedukd pa(mom dxo. svwussy papmms c«mn bc to ltd or tameltcl YDUR CREDIT Ut(ES - Tl e Total Cicrnl Lh« ls tte arportc cf creiyt atws»' for tte ace«pi: tn«e»r, ory a portkn af Ihw la au«test lor B«h Cash Ad««ces TI«CJsp Crwyt Ure ls tl Jt zrpcrpn you have auntabk fcr Bath Cnh Ad«veto Gcr«raty. Banc Cash ldwpcts cr«sw af ATu cznh Ad«amah Cue thc Ccrmt (CTC) Cash Acrnmeh Sm«-Cay Cpni«CJdr Ad«tees. Cvcrcra« frcltc icn Cash Arusmet Cnh Erafud«SS Kc( apptcacne crarsKIlcn let'c hnscEUANE DUB ~ tromcdicol hale E rd cate Tws dale Is cokdon a h turt scat tp«m clou rg dal~. If you ctu«gc yaur Faymom duc awe. Pcs dare coc(d ch«T(c. Tle hew Bakme Total «(5th appears on trna stzncrrum la rot t payoff amerce Ks( mty ce subNet to Kksi Ivol Ptertst ch«gts «Pen you pay hr fun alter your scat«rare cks IE cate. (pease coprdcc tl 0 o»«mr service rtanbw heated I« tie (r«C Ot 0CS mtemers fOr 0 Ptfaf( Knrsat Ylnutf canis Ke 0«dfycn tarn ot you et((bk gtydcd cicrft cards stored svcpn a d(('Jl «Oatt. C )CI g Earh cl ln trice Ccrc»we« CALCUlATION Of BALANCES SUB)ECT TO R(TEREST RATE A»«go c«sy same ued«d Smhrdrg pew uichastsy wt cdcurale scoarKO Bacoucs scbNct Ia an hcwesc RKO fa uuchalrn and for each frirodnt Cry or prwmclopal cffer bzloue cr«s'snrg 0( uuchases we do Rfs by (1) caktgKkg a any balance (o ead dzy ~ Inc bnsrg cyck, IT) arksig an Ite rkpy bdzmes Icgpcr«i; ard (I) dvcsrg clo 0th 0 t tr«dohf blkmccs by tpc mncrtr ct rays hr Ito bntrg cyck. Ta cokIAOO 0 0 dan( hawse~ for OKh dzy In cols suit«Or\'I binirg cyck. we B ) ukc Ite bc g nsrg tudnue; (T) add zn omrupt envoi io d«agolkabk Cosy pcdodc Rne ps(opted by tho pmvccn dayy dary bourne. 0) add m uuchcseh l«w Account fecs and pew TrorsKllon Fees and (a) «at rKC acprczbk pay«erst znd crtdis If zry dai1y bakmt 15 ks5 dura ztm we irate li JS Zenc l» age Bsiame utchcd Fmhcnpg rew Bykmt Traps(eis arel mw cash Ahrsnctsy we carts(KO scp«are Bdames Sub)en ta an actitsc RKO (or BOJPCO Tr«S(KS Cmh nd«encl Ou( lar aJch Iptrodunory or Promnlanal Cl'sr bd«ue ccrwstkg 0( Bahouc Tr«rsfcrs ar Cash Ad»nets We do this by B) cakuh«rng a nosy bacouc (or cadi CJy hi dcs tcÃtmtpt'5 bn(hing cyck, Iy) cakAO'ig a oany bourn ~ (cr Mch day pd« ta 055 statemem'I bn«g cycl~ ItK twd ~ srrc&sck bakpce'- ~ Pr«cyc4 tudorct is a (kl«ee Transfer or a cash ndunce svcn 0 twSKtloll dttt prior to 055 RJI tiiitpt'5 bnni'g cyclt h t wtl 0 pcntbg dne wnmn pcs stwtmom'5 brllhg cycle, (S) Kklrg aa tto dally bd«kts tcgpd«p «5( Ic) ovksrg Ir««m 0( Ite dd(y bah«res by tte icrrber ef dzfs hr itis »warren's bnsng cyck. To carcrdnc II«deny baume (a tach day In this state«4m'5 bnl pg cycle. we (I ) L»t tt«begivtig balance; (yl add an ««ourn eoual to tht acplkabk cdiy pencgc lint ricarcled ly tt 0 preulr«s dayy deny baknle: O) add r«w Bo«rcc Trvsrcrs new cmt Ad«Pets and Trapsacdon Feet«a (a) subtlKt Jgpt cJble paymtrss Ku( crwfts I( «iy dlny bakrut Is IO55 than zero wt trtat Ii CS it'l To cakukce a da y bfvee for each day pnor to ass SIKcmcm'5 b1spg cycle IliJt Iiad a PitCyclo bahocc I) ) siit tahe tnt btgiccPg tudJrict atirlbinJblt sckry to Pre Cycle balance («itch wnl be zero on tte I a«look« date at Il» nnc pre&yck barret) (y) add m «reset toual to tto appnubk cally perkkfc fh«t pszrktcd by d«prew«n days dally bassm«(s) and add only the appl oa4 Fbc&yck bdamcs Kd cterr related Tr««action Fees We erchrdc tropi pcscaialxkli all It~lens posttd Iri prtvoiil bnnf'g cfck'5 Fiv dw ctwpktc Itnm Kc(cond Jr«5 cf your account coisuh your Credt C«d lg tcmtra Tits accrhpt ls 15«itd «ld adri«ilsltrtd bf B«h 0( An«neo (Lvh ef Ap«rica Is a registered tiadtrparh cf (Luh of Apvnca corporation. PAYMENTS ~ wr c«dr p«hd npnwn at tr ee ent nu«wtd ee Otymm» II) twined sy I pm ared ap«K ev aa«wa rr«um m oe rmsrtuc«aura«cl 1«r m«etf «nsmpt o wk! «I« ~ cruet d t«n h Us, «d«l m a il5. run«lsd 0«o«om iii t lis r«iki pwirr cion, tnc ol s«5 «ee roiiiiii rnnrcv ipiit c»z 0« npcrcmw porsm ct pur Iuumrrt~ Ic ptyn«cs roc«ed bye«c art« s P.m lacer w« tr ee rvsrurv td«mt ««Toit uuhcwn e«arum«t auo ons.but I«It ocrerw U piwt eo abc«i «oilvmrrrt «cl ho o«rlue K ol d«mn ott ctynrpcr podr orero or Iit dw««n hi rr«sr«l K ot ee dlw ct wc«et II puce Iit s am c««tt cptdt iw «4 ce» ttrmmn mrt b«etkpw r«a 0»drfc cath oasmrru mtr««re ew Irikrs ur I lr « ri tra«hurst lalk «0 wtl bo K«csid we a»id klir 0rlordcr pa', t«otnmrl diw cvw«K m Kc«d «d UOIIKO«i wnr«i e««w «piu» Scen«d at ««of «p S«v or nr«s wr norcii p«n top» I n«rsc «cut«rear lit uvd 0««r«««am fcipcl tp (np Itech EK« crock a,ecp«I ut 4 e«sw a ««w«crcrprrw hpcn e«sre lar pcv« II ts a dwh « onm «Vis C«cs p«r I«»ev«m lnm yuw Kr«m w nw U e« Sm«art uo «cur» ypp ocsmmc ctcrsl a« nn lecture ai VU 0 Iau ht» Uo«rr«d» ti i«t tcur oedr c«d hn tuun«i«act him psp stares w cr«thud Kc«pc «re tc yru cm nnr ee orpwpr cn «Y m«urr pp eeo 0 wrpd to too ocimmc Ii«r Istic ii«it «Kt rri CI Itail evv huw«U orts wr«o ee «aop«sc ocfw'I Is sd«ozod ic etc«i. If ycv hanna «hh«U v cw««n hdonneomhv d«rd«A v 1( yov oooo» Is pcorrocc at It ttooars en dot UIL pitetc oioukk en ccn«»km hum Adrptss I ndd«55 l lroa Coda b hen« (ter« Transactions 7rueattirn PCStr'g Cree Cote Cescntticn Rr lrnnce accnat Payments and Other Credits Csils C5nf IAYVENT ~ TNArrrYCIJ C)71 7gl1 C5/17 Cs/Iy RAYVENT-Tnahryft/ Clog lfll TOTAL PAYMENTS ANO 01HEIt CREDITS fOR THIS PERIOO -75000 )COCO W45000 Cf/I I Cs/1 1 Cf/I I Of/1 1 CE/11 CE/I 1 Cf/I 1 Cf/I I Interest Charged ih fREST 0'ARCEC CN PLRDrASES INTERE ST CNARCEC CN RALArrfE TRArrsyf RS INTEREST C ARCECCN C RCfyso r CAS a/V ihl ERE ST fnaar%0 Ck RANK CASir A-VLNCES TOTAL RITERE ST EHARCEO EOR THIS Pf RIOR 1025) 000 CCO aco 5109.51 Tcul fees charged in 201 8 Youl vrere:t charged in 201 0 $15200 Interest Charge Calculation Your Annual percentage Rate (ApRI is tre an%BI stereo me to par accccrc Type of Annual Cnodonaa nnnwonend Ralance Percentage Transacdon Offer IO Rate Type Prornodanal Rate End Rate Ra4nce Subject to brterest Rate Interest Clurges by Transaction Tyt» Ratance Transfers 72aeery 12a9s v S 5.7)20) 5 10557 s acti s Direct Deposit and check cash 72eyrsv 5 ace 5 ccx Adsancet Ranh Cash Aduances lbayrSV s aca s aca Ml Type crhrorcr\ cary intrres: Rare Tyc» v varcoo cs»e (rar ~ rsry uayl Important Messages vixen tjrs statement urn createtf Ihe accocas's freest Ltne seas in a reacted suan and not arryftote for tne. ores lars This page intentionally left blank %age ~ 8 ~ Bank Americard'AVID PATRICK GONZALEZ a31 HrCKORY ST SAN FRANCISCO CA Ssl C -&&IXI BankofAmedca ~W «usrrnnrr Snrvke Infonnarlow wwwarraofnnnnrarvn 1.8XLS212110 TTY 13XO3s&317& Mall blwne lnqulrles ur. Sara cf amrrks F 0. Ban 98l23S EI Pna TX 7999&.7234 Iasu Psynnrrn trn Brrk sf &mrneo F.G Bas 15019 Wrnsng an CE 19&&6 5019 uns ll ~ 11. 2018 kearns 2822 Account Summary prevraus Batsnce Paya»nts and Other Crerku Pundcnes and Adentmerts Fees Charged Interest Charged New Dalarna 7oui Toul Crerkt Ur» Toul Crer&t Avartibfe Owh Credrt Une Fortran Of Credrt Avert&bio far Cash 5utement «bring Dale Days In BI &rng Cyde 5 5733 r&8 SCCO $000 $3&80 $10823 $ 5.879&1 5Uxcco 5 1.1 2019 5ZIIOCO 5 I.1 2019 07/I I/2018 Payment information New Batunce Taul «rartnt Paya»nt Oue Patt Oue Amaunt $ 5879&3 $ 2C3.00 $ 1&500 Taul Ikrvnnsn Paya»nt Oue $ 3FSCO Paya»rn Oue Date 0&08/201 e Lat ~ Payment Warning If we da nat recerve your Toul Munrwcn Payn»rc by 0» date ected abave. you may have to pay a Lite fee of opto $38 00 and your AFSs maybe urtrea:ed up to the Penalty ApR of 19 99%. Total Mlnlnwrn Payment Warning. If yau make only the Toul MtnInsan Paya»rn cadi penrxk you vng pay mare In Intere:t and It vne uke you er to aff balance Far e le lf you axe» no ark&Canal Tou wol payoff the And yau v&II end up charges uslrxf this urd balance shown on tins pafrng an e.umated ard each marsh ycu pay sutement In &bouc total of Only the Taul Mrrvnnan Palrnent 21 years $15.517 00 lf you wauld gke Information about credit counsegng senrlces, call 86&aOIL5238. 2b22 BANK OF AkrER CA P 0 BOX15018 WILI/INGTON CE Ieeets&CIS fvw Su»en farsf fatal kknmun PWrnern Dus Psnnnrn Dus Ilare $ 5.875& 1 $ 3&&00 08/08/¹8 DAVID PATRCK GONZALEZ ael HICKORY ST SAN FRANCISCO CA 841024K@ One crhrnrrn vrnsrn 8 cnnrn nnv ens snwan n mwuu snrnrs 0 rrnlHI nnnnws LJ nnsrn nrnnnn sr rrwrnnns rn me nrwsn snu ~nr rnnsnn vslle wn wvr rnnnll rnrnsu sr anna v smnnrs~isis i i i* ~ieii ilv».i IMPORTANT INFORMATION ABOUT THIS ACCOUNT pAYRIG f)ITEREBT - wt wrs nct dvuse hteex on Rrdtws cn Ite red statrmeri lf you pty tre Lrw Balece Tolal In Ml by de Fa)mrn Cue Cate. and ycu tad Paid h fJi ty Ite proven Pa)mrc Cuo Cata Wt «It begn ct Jig%2) IIItiex cn EJLsn t 1 ra\IKS od caih Ac%wc« on dw Iiarsxton date. TOTAL RSTERE ST CHARGE COMPUTAT)ON ~ insrnl Oeges Kcrue ovf aw compardtd cn J de Iy btuL To deenww dw Ictrtx 0Jrgts we nvauply each Balance sub;ec5 lo ISK«t Rr~ by hs acctoaD cany pe"odc Rxe and tnat retch a mvn Feet by d't netcei of diss h pw baird rye D To deemsna Iw Iced Irlt rl: owrge for t"e bdtrg cycD, we add tte pedodc Rate ICKOII Chegel leg%%to . A Cally FOOOSC I4tt IS Caidlattd by dud rg an Art%ed parce ~ Lxt ty 3Crn HOW WE ALLOCATE YOUR PAY)CENTS - Fr)mes) rre OSOCitrd la peated babrceh If ysr acr cen hn balancn whh d tferert Arn)C we wrt aaocate tlw mart af yar ps)meri cadi to Ite Tctd Lr rhsrn pa)mrs Cue to tlw Icweh AFR bsLrcts f rx (rcbchg Iirnedrrs I act Orle CHS scxrmrc) Paynwrc Jmarss ti thais ct yar TLCJI Uvvtvrn pa)mes Ced vill bt 4oostd io baiancts will Hfyor APRS btfort bala%et% wren Icwtr AFRL IMPORTANT R)FORMAT )ON ABOUT PAYMENTS BY PHONE - )Seen uprg de oci'oed payor )vere sew ca. Yar auchonte us to h Dot ~ ~Ddroec pa)men fran )ort acean ac tte trvrcsd Isa%aden you desg Jrr You mux a,ttorlte ow evan ord Umrg of each p«nvmb far yov 5 roc«I cr, we %vs ast ter Sr%shy I'ormados A fre mdy atply tae a%cad .Si.'ena Ta ca%ca) clt iis ttto ~ tto xtoattd FRmes dÃe. sanwvhy PRmrss corcc L'e ed%ac or careered YOUR CREDIT LRIES - Tee fetal Creiel Ure Is tte Dec%re cf credt JOOJJbit fir tw acccirt, Icwtvtr, Irly 4 pcrtiivi cf dat H JISSLxlc t I Beer Cash And%col Ttw Cad% Crrdl Lire ls dat ore%ac you hare avoidde fcr Bet% Cnti ldwxti Cartrdly Bart Ceil% A ntcn cor%ist Of ATMCht'x«SLo de cane (o)Ocnh an ri 5 -cayodw cnh ldwncri Overcra't Proton)on Cnr Ad%creel Cash Eouhcdrci od asp Scadt lresei an ft« MISCELLANEOUS ~ Romct oral Ra:e End Cate THs dne ls beset Ie 4 foliee Scnamris c Inl g dart. If yili doyp )et F«mec dvo axe. CH) da!t codd durde. The lee Bl)rce Total w«dr appears m dss 5Mlerwn is nct 4 psyctf area« and mty te hb tct Io addiro al Iset5l creÃgn veen ycu pily h fill 4fl Ir yow 5ulttr ec dial%'g dale. Ptase con%act de cuxone Iarvht rsmber Ixaled on cvo frcrl of IHS hoemrs for a pay.clf onatL )araai cards aw ttw cfgcal tlrm of yat eagble Frydbd creen cards stored vcnh a dgid Walle' 2C)B f)re Of lnelsa CCrPOraliCn CALCULAT)ON OF BALANCES SUB)ECT TO RCTEREST RATE Awragii cosy BJLrct )trdved pncsrdng ntw Purcha5ts) we calculate srpeoe BJLsec«Seb)ecc to n Iscrea l4te for Purdain ard far eJde bsroaniay or Romeowed Cfter baerct co%axing of Rrchnn we do pvs by fl) Glhslhlrg 4 dany bacuce for axh day h Irw baling cfcD (2) addiig ali tee CLCY bacuc« icgentr aid (3) dvrdrg Ite hm of dw daily palea«by cee nrmbe at day% h de beard cyclo 1 0 ca'cital e do CJoy ba'our ter each drf Iri tH) 5lalerwn 5 tsrtlg cycie. wr (I ) last dw btg irrg bdoct. (2) 4dd 4% ance%is cadi Io tto Ipplhabl~ eely Fonodc )Lee inducted by do previoul dash ddly bacsncr. (3) eld rww Rrddlrb new lccatt FOOL ovf ntw Tree%ad)on Feel and (4) sibtract accccado paywiss Ird crtdls, It any daoy blither Is i«5 ttwn ttw wt tree It 45 Stra Awagt f)doer Utdwd Frcsrdig ntw Bad%SO Tron(Or) and rww Ctsh ad%on t\3 Wt cdatÃt separate BVJrctl Seb)tct to 4n Irt test RJI~ tor BJLOCO Tresfei Cade Lvarcei od tor raih 5rirodudoy or Promotional cf fr% bdoce condvnhg af Balanct Trrofers or cash Advancea we do IHI by (I) calcilsrirg 4 da)y balarca fe axh day In tns Detmec'5 baling cycle; (2) adcuix'rg 4 daily bdoco fo oxh IL)y prior to tHS Scxsmec's bnsng cycl~ tl'e lwd a Pre&Ha tvdoco' a Rt&)CH bdhxe H a Basece Tie%ster or a calo Jdvoce wlin 4 i~lan axe poor I0 tn5 SLxemenY ha firg cyclt bvt w cn 4 pc%tvg da'.r whth t',iis 5bxtiiitrc 5 balirlg oclt, (3) adctng tll dio da'iy tasricts Iogtdoh and (4) dra%srg trw sean of do Carly bdances try Ilw numbe Of Caye te ttn Ssheren'S batrg Cyclt To Ca%I%Lot tte dally baWce for salt day In IHI stat smart's Hsing cydo. wr (I ) cate tl'e beg rvsrg bdocri (2) old an enate eousl to dw OFFscable oaiy Periods Rne relapsed LY de prhtad CJYY poly baL)ocr, (3) add new BJLsrce Trdsrei rww cain Ad%eon an! Treihxdon Feel and la) abtraa acpi cabh pay%rent oed credtl If DY co)y balance H lew Ihoe tera we treat R al ten. To cahutha 4 dary ha'ance for each day prior to tns suhemtn'5 5,'paYf cycle d o had a pretyda bdancr [I) wt Ldr~ Ilw begmeg bsLinct artrlbecabl~ sc%try to Pnt xyde balance (wnch wo te teo m tlw the%allan dat ~ of tl e tint Prt-Cycle ba)vcr) (2) eld an enate rond to tlw acpscablr Cany Feietc )tnt muhJpaod by dw preaad Chloe adit babrcr, 9) ard add only tte acprcah Re&)CD tvydces an! d eir related Tianledoi Feel we txlJsr hcm de%cab%anion 44 I~leo pohtd Ii svhaad blarrg c)ehs Fa ite comphtt it nns ocl contdos cf your Kcati conuh your eredt Ceo Rtyromri Tivs aces« Is Hsued ovf aoHHIIe td by Brl of America Bao cf amenra ls a wgldtred lieder%sit et Boo of kneeled Corporation, PAYMENTS. vw orsi rahu aeywna ee It ee one arewc d eo aernrv rc ii ) eared ty 5 pm %orV ww ti ee u!Weu %neve e ao rrtvnenw preen d net Oi sed vie ~ overs d een w ll5, droos m ~ U5. Iron%hi ave%I ori' ~ ILL ailr evwv ese, «itl )y" ww in Ihe rssrn Iran%co ve 4rit Ire eeviwre reer% v Iar ra%met~ is reynrcs iinriieo srmv e w 5 am Dcv ww el ew are Iwve eonru e'y ey ed%ant ee sr%mrs ce» cene ba de% clew ee tve ew score aa enma W4 sr os%i wo ee et eo ace% oes~ mene crew er hi dew vs I» eat ceo ee el ew eew II ece ri 4 rew It 5 am Ce inl Crea% I» OY eee prrnra mer le a%urn) ee D li» ocr% Cern resmta nude nid eir Deva ir aru n 'h tene 4%a%% lair%i nae erl le Ice%cia! aro' %et%! Idewnaern Ig) ID aernmi daa oleew e ui It%crt lni isa \%Doer vs%eel ee pie erron hcnnd el Ite or ar seer Crrues wr rois%% nese serve l %lans vert!%I%Jr) ty Inlet ee rremese Icetd o tie%i decl Exli dev a tes« in D caew ~ ee.one veeae I%no eee e sr dolan h ae s ded e nicer den) fuvb rwr se eewam lnm sar a%ante e nun w ee sow dJI iv weiw )at sermmc oars% ee nn iesewa D )ae d pu tew «elvira%I us D aee ret uedi cml stl~he de%hilt acneev vil OL pn cri ncp Iee serww oii OY Fw wnra to ~Da aernec)ar lear% rent neil w e lean dee in%row ocr% see%re ee svoewsc pernerl 4 sdvcvod D %car. II )our lnlhna elbow e co%noel Idweaiue hn dwnset or d your additur II Ivwevn as h erasers en %hie bnL awow arekh at cere%hew lerr ldd«5 1 Ado«5 2 Chy clair Aita Codt 4 kra Code A Wet Phcre Transactions Trunacucn Pcueg Care Ca.~ Cescntuos faes Cygyt Cyltsl LAI'E FEE FCR PAVIIERT CLE TOTAL FfES FOR THIS PERIOD Fnreerre attrcrt hunter 1822 Anssrt Totu 38CO $3800 Cyn I Cyrl I C701 CT/11 Cyn I CT/11 c7n1 cynl Interest Charged lhTEREST EVARCED Cu FLRCuASES ILTEREST CuAIIAD Cu EALAVCE TRANSFERS ILTEREST EeAREED Cu C R CEPAEIsc EAsnACV tkTEREST EPARÃD CII BAvr EAsu 8"VAvEES TOTAL RITEItEST CHARCED FOR THIS PERIOD 10823 acc acxl aos $ 10823 Total fees durgA In 2010 Total Interest durged ln 201 0 $190 00 STST.ce Interest Charge Calculation vena Aneual percentage Rate IAFR) Is ue arnsal everest race rn your accrsnt Type of Balance Annual Prod«sal Prnouenal Percentage Transacden Ofter ID Rate Type Promouanat Rate End Date Bdance SubJect to Interest Rate Interest Charges by Transacuon Tnm Balance Trarrsfsrs 22.Tasse 217asvv 3 ST%173 3 ICB23 s aa7 s Direct Deposit ane check cash 2LIahv s aca 3 Adsances Bank Cash Achrsnces 2hrekv s aca s AFR TICe Dehr'tiara Carr vrrnu Rate Tyte V Varlrcle Rne (rare may veyt Important Messages Ymfre 8 valued cutcorrer and we wart you to snow that we luven'I recetved yean correct fuyment chre Please send your~ due today lf ylxlve aheady nvv led tr, tlunk Test vyten tie stacemenc was created, tl e accourt's crest Une was tn a restrlcccd status and noc avulable for toe. Pres I or ~ H-~~PE JOIN US IH SUPPORTING SPECIAL OLYMPICS FOR A MORE INCLUSIVE INORLD AT OAHCFAMERICA.COM/PICKUPHOPE. =.rp) 5 sssr-Ã 1 scots c I sepnor Additional Information keel to Ors pure a traroact ron? For the frost ctspcse resotutron, please cornett the merchant. If teouccesstut, stmply Ale a catpute anima WWW bankafamentaCOm SeleCt yaur Creost Card attarert. Ctrttr the tntamratron t'r SerVICeS tab and then Selett the OI.Pute a trantattlan artr snOer the 'Senrlce 'ecuon. rrer ~ er ~ Ban kAmericard'AVID PATRICK GONZALEZ 431 HICKORY ST SAN FRANCISCO CA 94102~ Banks AmeriCa ~»P Customer Service Infermeuun: wwwaueeremericanm 1.8CX1471.l110 TTY. I.BCIL34&3178 Med bi lang Inquiries trv Bue of America F 0. Bee 982234 fr Peso IX 79998.2234 Stall Peynwut Ou du» of amenca F.G Bae 15019 Wenvvorn Ct 19856501 9 12 ~ Ave sr 11. 2018 Sccnre 4 2822 Account Summary Previous Batsnce Paymerts and Other Crerkts Purdcnes and Adsrstmerss Fees Charged Interest Charged New Batsnce Total Total Creckt Une Total Creckt Avrntsble Cash Creckt Line Portion of CrerSI Avarlable for Cash Staten»nt Oose 8 Date Days In Brlhng Cyde 5 587981 Seto km $3880 $ 11 ~ .72 SMI253 $7/Ioto $957 47 $2,1CCIO $987 47 Ce/II/2018 31 Payment Information New Balance Total Ctsrent Payment Due Past Due Amcnrx 5 03253 $2IIIO $ 35&CO If you make no adcktional You will payoff d» dcuges using thl Gnd balance shown on Oss and cadi rncnth you pay statemerx In about And you wlii end up paying an mtimated total of Total Mlrsnssn payment Oue $ 579 CO Palment Due Date C9cer2018 Lais Payment Warning If we do not receive your Total Mvsnsen Payment by the rtste hsted above. you may have to pay 8 Lxe fee of up to $38 00 and your APRs may be Increased up to the Penalty APR of 29.999& Total Minimum Payment Warning: If you rruke only the Total Miniriean eachpenocLyou vnB pay n»re in Interest and It wall take you er to off balance For ecample Only 0» Total Musneen Payment 21 years $15,549 00 If you woukl dke Information about credit counseling services, call 8663005238. BANK OF AMcRICA PO BOX 15019 WILMINGTON CE 19885 501 9 I ice Buervu TOLD Tone Iareneen Peru»re Oue Puvnere Oue Ome $ &C0253 $ 57900 09/08/2018 DAVID PATRICK GONZALEZ 431 HICKORY ST SAN FRAIrciscO CA 94102-5808 rm«~~ 8 crees rwv ev ~ muse cv uwuv nerves ur rrvvw uwnrwe Ll neeru rnuwv ernwereuw rw ew uwvm mm uee eve eeuem cunt vm rew uwce eereew ee arne er erwuue~reer IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYR(6 RITEREST - Yk wrt ncc dwge bleed iw urdstsas Cn do rox NNem«5 If you pay Ine hew Bakic~ T Nal In FLN by tto Faymps CLN Dare, Nal yrsr 5 ad Fad In IL! I LY rte pre!cut Poympo (b« Dxa. Wt wdl ln 8 n dswgr~ bee!ex cn Bdorc ~ Troll'ON pd Get Ance!Os p dw lrpoacfon da!w TOTAL )NTK REST CHARGE COMPUTATION ~ Irterest Charges anat ala) art compounded cn 0 ably bsab Ta dpermlro dv Irttrtw CINrgts we !rail.iply !itch Bakrce sLbioct to Iratrtsc !tnt by Ils accccwk Deny pt lode l4t e and II N rtsLII ls rru I 'pled ty tl e !tarte at days br Irw bll'rg cyck To dettmtne tte toul lrtt«SI Charge tOr tr« trttng cyc4. Ne Odd iso Ptncdc Axe bsptx Chug!I lcg«ter. A Cast Fenodc lkce Is cabbtxedbf do!dog an Arrud Pertpugt Rate ty 3KB HOW WE ALLOCATE YOUR PAYMENTS ~ Paympos art otocarto to Fox iH bsiancto Il yoo! Oct!sos hat bttuues with d Iftrwc Apps. No w 0 aoocat0 tl e emornl c I tort Fasmwo cowl to llw Toul tf'res!a Paymn DN ta ttw lowed AFR be!outs hn! Frcbrdrg lrpaacdrnsmadt arse tHs Nxemtnt) Foymtrs Nnorns In tx ass ot ywa Tml Ifbtnsn Ibbnwn Due adit te acpl ed to ha areas aoln Hgrwr 0 qs br!ore tabrcts won!oner kRL IMPORTANT R(FORMATION ABOUT PAYMENTS BY PHONE - Ypen us,'rg tt«opt anal paftf!acne stidce, you autlwdtt us to est!de N ~knrodc paymtrt tron yna accooro N trw Rnpcbd bobtotkn you dtbgsx e. You naoc audwrite Iw p Nn Nd dntrg of each paympt For yean pocectiNi, we wlo adr for lecunty 0 fornLNINL A fee nwy apply for twaddled stol!co. To cput( cdl us tare t do scheduled paymtro dxt. swwday paympcs a?no! te tcl!ei\ w Cd!ca!ed YOUR CREDIT ERIES ~ Tw Toul Credt LP« ls tte Nnaun Cf credt aaoitlt'0 for I'N ace!ant to«eat!. city 0 portion cf Itix l5 ai«ILILk for Buo ceh ldldrceb Tl't cxl'rtd! Unt Is!hx pnhoe you hoae auaaatJt fw Bart Cash lawn!os Cure ally, Barn Ceh An!pets crwdx cf ATL! Cast Advancet Cue! tiw Coiner (C fC) Caor Adwuctb Spne-Day {bdrw Ceh ldwrceb out!Crt'I pro!ecole Ceh Adrarcet cet Ksfuskkch anl acpscabk lransaCtlos fees td!SCELLANEOUS - Oror otrenal l4!e End DN e Tits dote Is bete cn 0 l ture sr et«onl eke "g one. If you ct orge your papnpc due axe. Lots race cwad chaY)e. The Lew En~Nut Total wwch NS«ps an IHs waters«5 is rwl ~ payolf Ornn NN !ray bt ot)tc! to add t'Nial btertx dipgts whoa fnr pily br IIII af.er your Nxenure croshg ox0 Puca caned tfw CON!nor Nrsrce rsntkr keeled on ti 0 frw t of pss scxemno for ~ paforf No!sat virhd cpd5 arri tht ddllJI for! cf free ttgbk FtydGll et!riot cards stored win«! 0 dgrul woatL 0 TO! 8 fkrt O'n«tea Ccrporociw CALCU!AT!ON Of BALANCES SUB)ECT TO FNTERKST RATE Awwtp Daily Bttuce tfetwd Frctrctrg new Furchees) We ca!cuLltt secpxe Bacxce Sot)en ta an bsertx Rxe for Purview and for tach Irtnxbctory or Promcdord Offer baLpct ccnslxlrg at urclunts. Wt do tws ty (I) ubatxbY(a daty bald&0 for tach !LIT br Pw tdrr8 Cytlt. (3) addng al! do dll"y tudpcts logalnen Nd (3) dardi'g ttt Npi 0 f ltw ddly balances by Ire rsrrter af dty! In tht tJlorg CyC4. To ca'cutxo do daily takeo for each daf Iii tHI NNprun 5 ble rg cyck. we VI UOO de befyrttrg bsknce, (3) add an omlhtc equal to do acpscabie Dary Ft odc Rue nsrhk ted ty dw piedau& erys dolt tatuce: (3) add new FVdwieb rww Oct!not Fwb Nd ilaw Transsnlan FOOL Nrd (0) attract apeteat!~ paympts Nd crtd to It any iwly balance Is It5s than ttre we Irtat R as It'l aerage (bscuce tfelwd (ircbrcsrg new Baqxco Transfers and tew Ceh Adaorc ms We cxcutxe sept«!0 Batuces Sot)tn ta an In'«N lkte lor Batoce Tips!orb cash Ancecet prd for tach bcrodunory or prom!a!anal Cf !sr bdwue Condsdrg ct Balanr ~ Trpofa!5 Or Ceh Aduolctb We do tws LY (I } oudlxrrg 0 daay balance for Indi dsy br CHs 5Lxommc'I balbyf cyck, (3) cakutx'rg 0 alta'NXO for Oath day prror to IHs SLXement'I bnibg CyCI~ tto! htd 0 Yttgyck tolpct ~ PnhCycle otto!et Is 0 Balance Transfer Or ~ Cash Adaorce with a lrwoan fan datt poor to tks rmtrntro'I oil lkg cycle bot won 0 post tY) are wit!or CHs NNtmno'I bnrbg cycle-.(3) oddng ao the daily bacvcts togtdon an! (a) dhorsng t'e Non ot the deny balances by tro rstrtre cf days br IHS su&erron! s blorg cyde. Ta ca'alace dw dolt btwct for 00th day In ttss detenu!5'I bio'ng cyde. we. 0 ) ub~ tl'0 beg'res!8 bQLYct, (3) add an a«csee eoall td d'0 accoutilt Ddly Ftnodc l4!t md!ipse! ty tto preaaus dayb dally toto!re: (3) add new Bdance Tips!orb row cash ldaarces ano Tipmlp! Feet Nrd (a) attract acpsutk paysuiss and credlb If NY Ikdy balance ls Itss than ttro we tree! R 05 to IL To cpcubx0 0 dally byput for taCh day prier la tHI 5txtmpo'5 0'lilrg CyCle d ot Iwd 0 !be&SIN batuce (I) we ut t tht bet(!rung balarce attnbctatse sctny to PitCIck talarct (awcti will bt ter0 on the Irpoanlan drt ~ of the Frx pre&tck batuueb(T) Nld an pnrsrnt aqad lotto appacablt Ddly Feriodc ILNO rriulilcted try tlw p«NNN dsy'I duly tudpcg (3) and add only de ans cxik tot&)ok bacoces and dofr related Transacdpr Fttb we 0odnk (!en tws calnlltlwi dl !inrun!one poxtd In prodoui boorg cyckb For do compkte Ianna pd cond!Has OI your accoLCL conhat your Credt card Ag tempt Tits acccato Is Issued pd adHHsteed by Bait af kmenca Bart of Aintuca 4 a ltgrx ared Iradernaib 0 f Barb of America Corpora!Ion. PAYMENTS ~ tw can! owwl at!nano N d oa ww «cease 0 o» sero«a 4 fi) rwrnrwl bt 5 om kod Ina Ir 0» nsoaw sr«an in eai «nsnmw !or!un ot Iwr nlu'IHy Nrarmmc o) oinl «iir ~ darb !warl ill UL dosul N ~ Us. Iuwhnd INIILwn or 0 Us draw nwat iliur', NN O) a«! br Ita «aon wwnun aiw only lht Nnannaa oar!on d Nor Iwunam~ is otpwss «iunad tt mlo trwr 5 0 m locit one N oa root!wort Osnau rn OY ory ochdrg oa otynrrt Cbn pen )LI eat oowarw nae 00 Now nnotwwnrs we te nod«0 e ol ea ran ery nnnr«a maae oora w by pwa wo bo I«d iso or ol oa osw sl «caro! 0 mnu br 5 0 m cerox c«dl hu ont star onmpw nwr lu odopo ua sr 0« des Lnh anmmn nado aoltl tar tmus or 0 4 0 Ioaw ar\nl NIII ad NOIINIcraowo «0 s wad Id!ran!oooo fcb bu Oeyw I Naa onus« as an Nswo nd saodwuon vALI ea prw antu Nwww ol wa cl 00 tnaw Lul rt L ou pares nwit psymr t naris eocrnmcart bt uwx 00 urwnaom Icurd n nar darb Knn era!I OrderNs ul w oassr a weemr ttuawtc tnwr bearer Iw nouns It« I dad N Nue art!i) tone awt le wirdrtar tnnr srao In!lot N uun 4 aa Lane dot ae «Cww yao lopwc Oel I 0«not «snw N yw ll nw hwa n.donsie as 4 arr sao nws t ctn! SN hnnsscurt hwa par Nwxr ro chwurx I!ann we us yw ce noo oa My«us tn NY paan pw 0«b u wwd to Nw or!mme yao koe nan «Ni as tt 1am Aw buwaw caw borne ea nnansw otymn I ls Nwrhbw N orcro Mxe Arta Code 8, kta Code A Worl New Z'p If your bonne nhbaw or Naoert ahaauruwr Iws chanted w II yaur orbbaw ls baaoran oo 4 oooao«en Ork bdt Pbraw Orawda 00 oar!et!era ha« Transactions Trarseoon Pooir g Oe~ Da:e Ce Reposer F ees CSCR cysC9 IAIE FEE FCR PATVENT CLE TOTAL FEES FOR THIS PEROD Rerewve Accocrt lancer 2822 Areurt Total Cart I C8fl I carl I Cgft I Cgfl 'I Cafl I C8/'I I Coil I lowest Chwgsd rh EREST CHASCEC CN FLROrASES rri EREST CHAlCED CN RALANCE TRANSFERS lh EREST CHARGED CN 5" 8 CEPAO'C CASHA"V lh" CREST CHASCEC CN RAAC CASH A"VAhCES TOTAL RITEREST CHARGED fOR THIS PERIDD I IL22 aco aco aoa SIIL.T2 r l Total fees charged In 201 0 Total Interest charged In 2018 Interest Charge Calculation Yola Anneal percentage Rate IApR) fs oe arced accept race or yrsa accent Type nf Dalarna Anneal Percentage Rate amadanal Transaction alter IO Type Rate End Dace Bdance Sob}rct to Interest Race Interest Charges by Transactlorl Type Pnrchases Ralance Translers 22yahV llyehV Direct Deposit and Chcch Cash 12)ahe Advances S S939.99 5 11 ~.11 5 COQ 5 5 coa 5 Ranh Cash Advances lh lan V 5 cQQ 5 cco APR Tyoe Cerrilinra aery Irleesr Rare Type V Varcek Ave Ical ~ r"aysrry} Important Messages Tol/re a va}Ued tUstornel'and we neve yoo to lolowthat we hsvetl't received ycae clarent payment dire Plea e solid ycse ayynerlt dne tOCby If TOUrs» already lrlar led It. t}tach TON vlhen tits stacentert wos creatett the acctnac'5 crecst une was tn a re:tncted statos and not avaILgil~ for Use. arcs 2 d a CC E I ~rrl Ill.~ Additional information Need to drspute a trarsactrany For the fmest tk spurs resotucron. please coreact the nerchanL lf tersuccess(ut, amply frle a drspute online www bankofanertca con. Select your credrt card accorert,ck* the 'Inf orner on & Servrces tatr and then select the Ols pote a traroamon link under the 'Senrlces sectrort ewe I or ~ BankAmerica rd'AV'0 PATRICK GONZALEZ 431 inCKORY ST SAN FRANCISCO CA 84102~ BankofAmerica ~H Ceniamer Servke Intannerlan: wwwteeeatnnencacam 1.8004212110 TTY. I 80tL3463178 MeR aliens Ineelrlee un Bark at sinners P 0 Bae 582234 Ei Pew IX Inylri8.2234 Ssell peyrreni Cw Bek at Pinnace P CL Bae 15019 Vrenetran CE 1%!86 5015 Aidnr 12 ~ Secrenoer 11. 201 8.~'rrn Account Summary Preincus Balance Payments and Other Creckts Purchase and Adp. tments Fees Chargeil Interest Charged New Batsnce Total Total Creckt Une Total Creckt Available Cash Crerkt Line Porticn of Credit Available for Cmh Staterrect Closing Date Days In BLRI~ Cycle t603253 km 6" Co 5 38410 SIIF&0 tare.co 5811.22 5 ZICCLO 5Ln 1.22 Cni/I IL2"'18 31 Payment information New Batsnce Tctal CLrrert Paymert Due Put Due Amerce 5618623 5216CO t52500 If you inake no addioonal charges using des card and cadi marsh you pay Yau vali payoff the balance shown cn des statement tn abocs And you will end up Paying an estimated total of Total Mireiwm Payment Due 5ISSCO Payment Due Date 10CW2018 Late Payment Wamlng lf we do not receive your Total Mitvnspn Payment by the date listed above. you rrvy have to pay a Lne fee of Lp to ttg 00 and yorpAPRs may be Increased cp ta the Penalty APR of 29 99% Total Mlnlnnnn Payment Warning If you make only the Total Mininean Payment eadn pened, you vnB pay more In eeerea and lt wiS take yau cr to off batance Fcr eeample Onty the Total Mirtnsen Painnent 21 years 515.594 00 If you would Ske Infonnatlon about credit counsegng services, call 866.300.5238. BANK OF AMERICA P 0 SOX I5018 WILMINGTON OE 19886 5018 Ikne Bieonce Iaial Iieet kkreneen Peinnne Oue Permeni Oue Oeie tlx18823 525500 10/LXI/201 8 DAVID PATR'CK GONZALEZ 431 HICKORY ST SAN FRAIICLSCO CA 84102-5808 freer permeni creen eev ev 4 rnenee arnwencweeeee rernrne nenvere LJ nerve incan ee enennvne on ne nrwee enn nee weeneen erene eiw nee enerk eereeee er acne ei Anenee IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAY!NO RnEREST - Wt wg not eh»go Ose OD on Raduses on the neh sbnemero lt you Fay I ~ I ew Bahpce fotal 4 frzl by dw Paymps [k¹r Otc 0, and ycu tad pwd h fdl ty ri e pre%ran ptynwt Cue caco. wt wrs tegn chwgrpgla ere%I tn L14»ct 5'Dolor% arid cash Adutrcts wr dw Irwuacc on 0Ã t. TOTAI. RfTEREST CHARfrE COMPUTATON- Irtereil Charges accrue Wd are cyppouiswd op a oa Iy Muo To dr!ermine Ilw kserhc Charge%we psyrrpry each BJLOYO S,biect Io ktowd Ay~ by ks apccab4 Bwsy Rphdc Rale wd thai less't is pwk estd by de rsrnbtr 0I days oi yw bi%tpg cycIt. To deienNne!Pe t OLO l Pier tw Oiarge for Ine Ldrr g cy ie. w add Ita Ferhdc l4it Irtwtit Chwgt1 tcgrlttr. A CWSY Ftklkyc l4re I% Caku4ted by dud»A ap Ale%kg Perceplagp Pa.~ oy SL5. HOW WE ALLOCATE YOUR PAYMENTS ~ FaynPOS are theta!ed IO pc%ted LJLOOOL It ykp ace curt lws bah»les rih gift%crt APRL we w! 5 JI4xate 0» wnaas ol your pay»Or! ersut to de Tocai sz rtpsyn ptymlrt Bue io llw Dwd lpp cal»Des f nc fpckaspg Irwrlacs!Ops pwde airer IN% DJ!Orpwcy PJymert rsnrhrt 5 in ~scow of your Tcod syaepspr 0Jymrpt cue wtl bll applied io bs4pces wk'I h'ffw I APNs btfort IQ4wts «rth Iowtr JfNL IMPORTANT RffORMAT)ON ABOUT PAYSZENTS BY PHONE - Ytun udpg t!» opdw el Fzytry.fsyA strdce you auchonze us to ker4ie an ~Dctrwsc pzyrurt fnm ynp secant tc dw frnwkkd kscnsthn you des g%ye. You a%at adodze pw w arc wd Ihwg o! each paymmL For your pnxtairyk w wn! hl fcr stoutly Ipfonnarfan. A ftt may apply far erperhwi strurct. To canceL cat ul ttfore ll ~ scledUtd ptymors Lot sapwshy Paymnts Cdyka tt ed!ed tr LWCO415 YOUR CREOIT UNCS - Tre Total Creat Lkw 4 tte wnrsyt of crhsl hwsR:4 for lrw accccpc; tcweuer. w lf a penh» of dwc Is suasible for Lirk Cash Anonc as The Cas! Cred I Urw ls dot »no%re you hhw arwhb4 ter Bank Cht Aduwsrth Ceperdry Bark Ctsir Ad»Puts cryrdw of ATSZ Cad Ad%truth Owr dw Carte- (0 ! C) Cadr id»yuck Samhgay O Ore Chh ldurces overdr& p ocecilor Cad Ancpceh cash {!st»perch arc! appscwde Irwuaa kyr ftpi MISCELLANEOUS ~ Pron ct anal Ra'e Erd Owe THs date 4 based on t futlpt Daremrpl c cnl"g OJ t. If you chaT[o yore paypws due axe. IN% dale caid clkwgp. T'4 h ew Bzarce Total wHch appears on dss Da:tmwc 4 nct a payoff »part wcl puy to 5kb oct 10 ad!sr'ond ksease chargt% wren ycw pily h fup airer your Daremept chupg dole. POJIO coy%act dw 0 N»mer %entre numbw socartd on Irw frcpi of \Nl ScÃtmwo for 0 pa)nerf wwkpL snrtud cwds art clw dgfbd f crm c I ycur et go le Fpyucal crerh card% stored wrpsn a cfgbd WJI4i. C TCI e (LA of ~a Coqwrarkh CALCU[AT!ON Of BALANCES SUB)ECT TO R(TERCET RATE lrragt oaay BJLwet sf%trod pukrrpng rww Rpdw5e5) wl ctlcuLIIO separwe Ldwuts Srbfect to an into%eh l4t0 tor Purchases ard for each Ipiroaaory or Pris»cd»id Ctfer bakwct cops'Dlrg of Oui%he%Os We do this LY {!) cask!atty[ 0 any ba4nce for cad! day h crv bt!ng cyc4. O) adrsng aN po ddry blkucts Irrgrt we and O] rydclpg dw uyn of tht daty be!Acts t'y IPO numbtr Of dty\ In Iht baspg cyc4, 5 0 41'claart dw ILviy be%out fr» ewh day ki INs sca!Prurt 5 tysirg cyckl, we'. [I ) as e do bt(ynsng oak%%eh [y) all an amckrs equal to dw Nprkabh odly Ftriodc fkut Iriui'ip Std by tht prt dr%Pl dtyb ayiy bah»et') add ptw~ rww Ac%ay% FOOL and luw Trwrstcdon Fees. Jrd (J) subtran acp Ccab4 pay»en!1 wd crtcIII. If iny daisy balance H It%1 dun ttro wt treat It JS zonk Awrago Bthruo Lredwd Fnckcspg ntw (Lliwct Transfers tpc! Ptw ca%¹ lduwuec V¹r cakukke septa!a Ldzyces Scb)ecs to an lrterew(4I ~ lor BJLukt Trrsrwk Cash Acuorttk Wrd for each Irtrockrctory or Propwt renal Offer beirut copddky( of BI!ance Transfers or Cznh Arhopceh We do INs by {I) carcs¹olpg 0 dJdy Oak»et lor tadl dsy oi tNSSLnomws'I balhg cyci~. [5) cab!iÃ!rg a aury baiwce tor OJdl dJy prior to tN% siJiemtnl'5 BNNpg cycle dw had 0 'Prt&yc4 bala!NO' a PreC !de babuct Is a Balance 5rwnftr or 0 ca5h Jdrqlu0 wn'1 0 war%ac!ho ant prior to tHS stÃepwpl 5 balk'g cyclt 4 t srtn ~ pi!slug ripe wkNrl cws st%emir%'1 btung clclt; [)) arksrg tt tie daff'y bakuues Icdedep wuf (J) dharsrg trw hm of the daay bahpcts by du number Or dtyi h die Sat%mort'S bosrg Cydt. Ta aanzare tte daay balance for each day In tHS siai smart's bdtrg cyde. w [I ) lake dw btgrrsrg bthnch [yl Ikki Wr Wnrsys tqull Io dw appscablt Lsty Fenodc A%It prlyJpstd by ilo pre%lars days auly bakuoe. [5) add ptw BJ4nct Trwofwh new Cash Ad%once% wrd Tnmankn fee%, and (0) nb%roc! acpl czb4 pay%or!5 wrd crtdts If DY dally to!nut Is less thwr taro wt trtat It zn tera To caialdt 0 dint bahnct for toe!I day prior la tH1 sit!em»0 5 bdtng cyc4da had 0 Prt lych ba4nce [I ) we lake tie begrryspg balwrce alinbuczbre 504Y Io Recyde tohrce (nt kh wm be zero on Ilw Iran%ac!!dr cate of It e pru ROC%eh bJLVICOL [y) add Wl amaes trarti lo Ihe applkzblt COST penodc Roe WIRIpsed by do prodad day'5 au Iy bah»ca. [5) wd add orty de Jglat4 Pre&%%4 balarues wsf cl elr rehted Trapsacdon FOOL We esd»D fran tN% Caidladon ad tiglon% plyd ed In preuoul bJsrg lyrico Fcr clw complete terms ard conrfilrws of yorp accrkpL copurk your Crtdi CWO JtyeemmL TI%1 JCCOiyt Il I15utd and adrwtdhed by LOO Of APW fCA Luoof america ls a itgrdewd trademark of (hnk of Amerka Corporadryk PAYMENTS. Sw !rid! pwuo prywpu asst ee eow rorduks d ee Orywm 4 I'l wcu «ui ky 5 pm lorsl amr ~ I ou whnrw dwm wr A up%Du%0 irene el your pwr'ery son»»wc p", lwd r* a durs Is onp lr Us, draws wr ~ Ill or%mewl or»ninny' 0 ill Itaar punry oror .Jnl o) wpr w Ou wrurrl wuuwo uni only A wpsiDnct wpo» ot y»p siwrmpu~ ri etym!pa rearru! typed slur 5 Om leal smo ll A rwrrrupa Icdess m »Y ouy kusudrd oe ysynrpl (ko cowl% t oei odorrw msel A tone re!%Sr%era «D lo Owlwe as OI eu new!us etym»us pudo»oru or iy yrcru ro lu iwdrwi al ol oe err al wcsrlt d puoe ky 5 0 m CJPOSL Credit Iru Wy Oter !usmc ll Pwy ke Out!ed ro 4 OW Oryi COW atymrrw pwir wia wy liars ip Jlkr pro'lesr anni la1a! «w rrty te accwwd»ill' rntd Iorptnrwkr tcy ho atymmr AN slwakr ti 0'awd ww Qodtrww rtust do wiw mr!up nsp»oi ol rre ti rse 5»rw clsrws Wr wwow mui Nympe doris terr%%Casey by saint ee oa»msww 4»d» yor check tach decl ntu»IJW w 4 creen 0 rrerww wrcu»ec tuus 0Jpdw lo weir% II w t ded cr tear »sr1'rpol mw lu rorowm hrm y»J acr»re w wr! w A ~rw iuy «0 wc» w yar terprc oudu»e rol resp»so 4 pw d Fw hw» ewfwc %5 ol psy yur»ooi wl kil arcposaayhw yap Dure% er dudfpg Kc»pr re ra yru ar'ko ou orymwo wr wy wnspi yw Ao il rprpg 50 uop Os%mme your lens puu roun us ti low! ore kuunrw drys sorw Oe nnpnuu atywpr Is wl»CU»l D war OAnnel tw du»OWL Our%oct 0% 4 capers wi IHI ONL phew pruuuh 00 ewrocr¹A hero Jckttss! lre0 Code dr kkkpk Fhsnt TransactIons Tronacsios Pcsurg Case One Cescncuur fees C9/TO LATE FEE F09 PAvufhT CLE TOTAL FEES FOR lyRS PERIOD Fereocce hunter Peccant Noctor 09/I I C9/I I C9/I I L9/I I L9/I I L9/I I C9/11 C9/1 1 Interest Ouuged INTEPEST CHAaGED CN R%CHASES INrEREST ClrAAGED CN EALArrCE TKArsSPLRS INTEKEST CHAACED Cll O'0 CEPACHK CASHA'Y INTEREST CHAACED CN BANK CASH A" VAsrCE5 TDTAL PITEREST CHARGED FOR THIS PERIOD 111 70 aco aCC 000 5111.10 Total 4es dssrged in 2018 Total eeereH durged In 2010 $26&00 $1.02432 Interest Charge CalcUIatIon vera Annrml percentage Rale IApR) Is ue arrsud ase'esc rase os ycsa accrsrc Type of Ra4nce Annual Percmrtage Rate Transacuon Chafer ID Type Prometlonal Rate Eml Date l44nce Subject to Interest Rate Interest Charges hy Transaction Tn Purchases Dalarna Transfers 2?Fesv 11./err V 5 &09414 5 I IF.yo 5 cco 5 Direct Deposit and Chech Cash 11/eh V Advances 5 aOO 5 5 oco 5 Qoo AN Tyne Ce Areusne Cary rrce en Rxe Typo V Vauou Kar~ trace r ar varyl Important Messages Yos/re 0 Valued cus:orrer ond we wept yau to know dsst we Pusan't reCeived year/ oarert Sgyynent due Pleo:e send your Doyment due todsy if yas/v» olreody nsv led IL ttsork ysas v/tun ties stotement pe. Creotect the occospc'5 credrt One wu. In 0 restncled shtcus And not oscpLsble Eor sue. Pate 1 d 4 Additional Information Need to rkspute o tr rsxtione For A frost rkspute resokclon. pksse concoct the nerchonc If teisuccessfut sinsrly file o eke pute onkne www bonkof~co conc Select yore cre6t cord occorerk Chck d e kdonnoten fk S«vices csb ond then select the Dispute o trorooction link under the Services section. Pier 4 ol ~ Bank Americard'AV'D PATRICK GONZALEZ 431 HICKORY ST SAN FRANCISCO CA 941024NS BankofAmerica ~vv Customw Senate kcrarmauma vnnn banaaIanancaccan LKCc421.2110 TTY 1.80034&3178 Mall bhhna Inquiries tw Bve or Acneneo P CL Baa 981134 El Pais TX 79998 1134 Mail Paymaie ta". Sana at Ane rica 4 CI Boa 15CI 9 Wvcvntrcn CE Istc86 5019 5acrambrr 12 ~ Onabac 11. 2018 n Account Summary Pl'evl bus Baldlcce Payments and Dtl ar Creche Purchases and ACFIstmects Fees Charged Interest Chargwl New Babnce Total Total Creckt Une Total Credit Avaltsble Gr.h Decht Une Panion of CrecSt Available for Cmh Staterrent Clastng Date Days in Bilbng Cycle 5&18813 kx kx 538oo 5114.10 573XDco 5&55&7 51.1CCcD 5&55&7 I crit l7'18 30 Payment Information h'ew Balance Total Ciarant Payment Oue Past Due Amount 5&34433 511710 5795.00 If yau Inake no adchtianal dl«ges uskht ties card «xl each month yau pay You whl payoff the And yau vah end IO baknnce Junco on ttss paying anmtimatad ststwneflt Irl abact total af Total Miisnaan Payment Due 51.01 1.CO Payment Oue Date I I XXV2018 Late Payment Wamlng If we da nat receive your Tatal Mcivnsan Payment by the cbte listed abave, yau may have to pay 4 Lste fee Of up to 53S DD «cd yare AFRs rrvy be Incremed up to the Penalty APR of 29.99%. Total Mlnlmwn Payment Warning lf you make only the Total Miniiraan Payment each periad, yau us 8 pay more in Interest and It wih take yau er tO aff balance Far eaneile Only the Tarot MIrercsan Payment 51 5.732 00 If yau waukl hke Information about credit counsehng services, call 866ao15238. BANKOF AMERICA PD BOXI&019 WILMINQTON DE 19888 SCI9 rarer Bvacce fecal taiai hsranam pcnrnara Dua Fvnmare Dua Date 5&344.33 StglI ZCO 11I0872018 DAVID PATR CK GONZALEZ ~31 HICKORY ST SAN FRANCISCO CA 94102~ Enter pcnmere amraae 8 [ / I I Aa macon araacraasscncau ncanaac ara cmwaa acu acaca racer aarcnacv cmcna v ann~ ccvn' anr aacean scare real nna cnaaa aaraaca ar calla v acllanm IMPORTANT INFORMATION ABOUT THIS ACCOUNT PAYMG (NTEREST. We wis rCt ditrgt OC«tSI ar Puchasei OI Iye ned statemerc if you pry tnr hew Baknce Taai in LA by tte Paym«s Cuo Catt. and you had pdd a fdi by me prevras Paym«5 Cue Cat. We sdo tag'n d Jigrrg Incerest o5 Bsdke Trdnr«5 pd Eadr Advpcts a dd Irdoankin TOTAL R(TEREST (3(ARGE EOMPUTAT)ON ~ ks«mt Etdigts accnd pd are comparshd wr a dy Y bast To ce.rmsne irv ksCrest 0drges wt rnudply tach Bakrct Sst)rn to hl«ed l4'. ~ by its accycak cosy Fe"odc l4tt anil tlat lehyt H nut'ciinf by lte rs«t«of days h ihr bni'rg cyckl. To dettnwro rtr I "Lll oct tlt O'Jrgt fcr pw hsing cyck, ino add tte p«scale ILcr Irterest 0 wgts lcgelner. A Carry Penasc lkte Is cakssattd ty dvdng an Jrrsad Percentage Rate by 35$, HOW WE ALLOCATE YOUR PAYMENTS ~ Paym«cs a e osccatto ta posted badktt It yar accout I Js tatdrces writ df!erert 5 Rs. we wr I aaocice dw «wart ol yar copwm eaud to ite Told ty~ paywns CEJ to tht lowt5l APR bddkts hr5l (inc hdrg trddan!ps O'Jdt a ttr trrs 5Ucemrntt Poynw t Cmouth iri ed tls ct soir TctJI srrr«syn Paymerc cul wol be aopaed io tasuces wrsn h IFer APRS te fore tacuees ydtri hw«APRS IMPORTANT RffORMATION ABOUT PAYMENTS BY PHONE ~ Yprn Iryng tre octid al pafarp prone seroca. you addetc us to navar Jn ~knrowc pJyrerC beni )cur pcout ac tte frsoklll IC5t tuticn )Ou dmig J:~ Tou nsdc addrlte I!e orate dkl ttnug of each paym«L for ycu potenia, we will mt Icr stculiy hiamaticn. A fee may apply for ONed.ed srnact. Td cdxtL cat ld ttfae tht schrattd paym«s date. Samdday paym«55 canrut te soled er carceled YOUR CREDIT ERIES - The Total Creat Ure is dw amcus cf vedt hdish4 for I 4 acccsrL I cwevtr a ly a porlkyr of tldl ls avosatk fp Bark Cash Andncta Ttw Cash E rtdi (pd Is ti'Jt Jncuc you haw ha!atk fcr Barii East L CCYCL Gereraay Bdo Cash Adducts coislst cf ATU Eash~tkc rp Came.(CTE)Ehh~~s .CJTCrs Adwuctk Cwrdrah P ottcllor Ehh Aacucet Cash Eafdd«SL and acp 'icede ti«Dan kyl fees MISCELLANEOUS. Prcr nicrol l4'.e End Cate THs date 4 based one futue stacemrrt c iml g date. If you thos« your pJyn«C ad an e. Pss dace coud thos«. Tr» I rw Bakrce Total DHch appears Dr ters sth«n«5 4 rcd a payotf prays JH) n'ay te Dtlect to oodt'Idol ksertst crdigts eden yor pty h fuo atter your Stile «5 5'Oshg due. Crease tacan tte Coal«dr 5«Site numtk heated on ttt frwt cf CHS ssdrm«c for a papoff «naut Yinsai canis are tlw dgul fcn Cf ycu etgtk phydcd creat urds dared Idlnh a digital waikt 0 20)8 BDE O'rtrnca Ecrpcrockyr CALCU(ATSON Of BALANCES SUB)ECT TO RCTEREST RATE Adage cJiiy BJLout srrddd (nckrdrg new pucta5t1) wr Mciilhe sepanyr Bddrcts Sub)en to an ks«rst htr for Purchesn and for cadi ksroanory or picrncdond cfier babucr crmsstlngaf uuchasea Yie do dvs LY (I ( cakscadrg a dasy Marco tor exh day 4 irw tilts g cyclr: (3) addrg all tte dasy bahuras tcgtcHW are 0) dNdrg do sun o I d» ddiy takncet ty tte rsmbtr c I ayys h the tldrg tyckh To CJDSLY ~ tte dilly bl'dka for Mdl day lii CHS StJttnurt'5 blallg Cyclt, we (I ) tate de begrircrg Marte; (3) akl m dnarc cadi to ttr appacabk Caiiy ptnafc ILJI ~ nsftgaed tyre preplan do)fs avly bakinct; 0) Jdd new puchasrL nrw Jnount feek aid rrw Tidnact!On fees, Jnd (a) sutlract ~co teat4 paynums dkl crtdt5 It DY dolt talanct Is It51 Ilwi tt ra iw tit lit It ai itus Awnktr Balance Eitihod Fresrdrg ruw BJ'~e Transfers OH) rew EJIh Jcscncesy we cakutxe seplraie BJLokes sub)rn to an )merest Rate for hskke Tref«k Cash Ancokrk did for eah htrodunory or Promaional Cllertardkt casrsthg af blake Trddfrrs or Eadr Aduarcta We do tws by P ) Jacukurg a ilaily takoee for todr dly h IHs 5tsitm«c'5 billing cyclt. (3) CatJacirg a dilly ta'der fin tJdi dtf Piol CO tH5 StJtemtnt'5 ha arg CyC4 tth had a Yrre&yck balder ~ a pre&yde Mmce Is a Balarce Trans!Cr or ~ tash Jdukue rein a trwsanlan date psor to tks smtmtrt's bnlirg cycle h.t wc" a pent'rg dhe wiiHn tks stattm«5's bnl&g cycle. 0) added all tht da'iy tasurres ccgrdwn ard (a) dhrksrg ttw sun ot dd drJy helmets ty dd rurter ot hys h dcs suimwmb tnu g cyc». To cakILII ~ lte Cosy ta'~t for tadi CJy iri thl5 stat tourt'5 tyllirg cyc4. we (I ) tJEt tte ttg itsrg tatukh (3) add ani dncue tadl to dd appllGlble Co iy Penodt Ilstt mu!DP std by tte PrtuiCut dly'1 ddiy tJLTCt, (3) Jdd ntw htmce Twsr«L ntw Cash Aduancn and 'fransanicd ftea. Jnd (a) suttran Jcprptk poyrorts and crtdtk If CCY dlily baknct Is le\5 dssn ttni we treat It JI ttus Ta tornado a dary br'DYe far eaCh day Prlw td tHS Stat«n«C'5 b'Iiing CyCle cta tdd a Prt &yck tahoee ( 5) we Iaa ~ the tag'irrrg balance attrtctJtl~ sokry to Pre-Cycle Manta (wHch wal be t«o on lid traniankn dat~ of dd Fno pretyck tJLuc et (3) asd an Jnwus cadi to tld acplicatlr Carly Prnodc Racr null,ted ty Itd Prhrad day's daily tJLOCN (3) and add only tl e acctnbk PreEycie tacsnces and ttdr related Transanlon fCCL We ~ idiJN from IHS cJkuLIciih aa trJnsanlois podtd In payout tilsng cycles fa ov ccrtpki~ terms dd conddps of your accaeL cars It your Errd\ Caid Jg erm«L Thit accarS Is issued dkf atwnlsterwt ty (Loo of Arnedta Birk cl Am«icl is J reglue td I Jdernark of Bank of A~rica Eorpoalion. PAYMENTS-w osdineredayywnnwdeudnowwwsdo oepwmhv)wcdwasysamkcdmu«rorooewdwwmeowwnmaswrmctyru mordry Iuwnrrk c) loki v rl 5 dedl wrw u u'L Ikllus ur ~ U'5 tnwcse uscws'o o ~ I ' read olney iuor, ud oj wnl El er rwurll rnwkor nrii oei ee nnuturw ye aw at yar IwwnurrJi~ ic yiymrrw rwwwd Ey mal rhw 5 am Ercd wo tree rmwuice scowl m dy ay hckdnc ee oepwnl cus cuir. Eul ew trwww nnw ee De» Dtnnrwes ncl te nnsud es el oe wd aly ptmund made urre w 4 orwe nd to oeilwe as el eo orw el wrwa r nwnr oy 5 am cerrrli cwdi ku my eew ppnmd rroy le srrarea Co 4 aw dlyc carl\ orymmu mnw vr OJ Deed D JDJ vrh Ider alen (sta) wd rrry ld aÃoliod iuir' wsd Idmiiriialinn pps Id arlmml AI rie'de D m tawr ard Drdsrom hiirwa eo yriir vnwn cccrad e de cl Iu Seirw cmrws wr pcreic mal atmwn cledii errecnkdb ay inina eu erdmnwr Iarlll m Ieu rtoa csa ders cuewuw ui 4 doi'o a rrwww eerocwc Leds OVII«or «wed It h a doa it iww o srr) fires mey hi vourtw'nyn pu Dlnlnt D D5rl D eo Dne rtf td rtroiw pu atynmc chwsi de wn wwrrlkl D ynu d plr llew n,ihoilrd irl sr ory soir cled i cud Ed nnrnucaoy Iwn yn/ In«or w rterseg tcrrut va us pu cm Ioo ee aeymmt iw my mare lnu IHH Ii werd io lira orynml, ynr utw mun wart ul el In«i Ihee Euskesl dyyr tel ee sdwkkd ai wcv ewrw do rot oki my viriv~ w e \ 'DDC TransactIons TrnSaruur Feutg Care Ca.e Ctscnlum Fees ICCB IC'09 LATE Ff F, FCR rhcuf NT CLE TOTAL FEES FOR THIS PERIOD rulturet htneer Accnac courte 3a00 53doo 10rl I I CII I I Crt I I Crt I I Crt I I Cr» ICrl I I orl I hottest Charged IN T f Rf 51 f I ARCE 0 CN PLREPASE 5 lrTIRfsI fl ARCECCN EALAhff TRAhsrfes rhtfRf ST fl ~%0 CN C'R Cfysfnc EASnACV II TfRf51 EPARCEO CN RAM CASH A"VANEES TO1AL RITEREST CHARCED FOR THIS PERIOD »Bio am am om Slid.ltl Total fees charged In 201 0 Total Interest charged In 201 0 S1,1 42 A2 Interest Charge CalcffIatIon Yraa Annual Ptrcentage l4le (APRI is ou nrsae actrtrc cart nr yoa accnec. Type er Annual rrnadonu Balance Percentage Transacuan Drier ID Rate Type Oonadtnal Rale End Date 144nce Sub|tat tn Retreat Rate ~neresc Chacges by Transacdan Type erne hates dalarna Trnrsrars 7199raV 1199rsV 5 a15015 5 I I BIO s ace s Direct Depeslt ane check cash 119pkv s aco S Cm Adeancet Bank Cash Aeearues s om s coo AFR Trot cehnllcrs eely Yctreu Rnt Type v vnuble ant tract r ay uryI Important Messages Ycc/re o 904ed customer ond we peart you to bvnw that we horenT received your ccerent payment cbe Pleo:e send yean payment I4e tocLTF If yeueedlreody llculed It, chock you Vrhen ot ttotement uco creel ed, tl e occocec'1 Eldest Line wos Ln 0 re.crlcted scctus and not orol4ble for u:e. BE NORE THAN PINKY Join our fight. Save lives. Breast crrrcer kihs more 0 m 41000 people each year kt the U5. That's aunacceptable 1orr us ki cute@1 breast cancer dea".5 ln half by 2025 keam nxxe at Komerkorg//olnyherfght ~rnk rrarwrtra ~ eu4'rr2'r I rrurrur AdditionaI Information Need to res puce a trarnact loot For tl e fme:t rk puce re:elution, please contact the neerchm. If wnuccessful, simply file a dispute online WWWbankaf~ita Com Selett yuur Creckt Card aCCOrait. Citk the krferrnatrcn ar Senntec tab and the SeleCt the 'OiSPute atraatin'il Ltlder the 'setvlces'ectloic arcr ~ or ~ BankAmericard'AVO PATRICK GONZALEZ 431 HICKORY SY SAN FRANCISCO CA Qa'02 NXX) SankofAmerica ~M Customer Sarvke Inform»dora wwwaonafamrncacom Iiay).2) ) 0 TTY I 8003a63) 78 stall biol»a Inquiries tcr. Bvk ef Jrnarfca PCI Bm 98223a EI Pno TX 79998.223a Mall onym»In rm BV» Cf a!»I»ra 8 0 Ena 15019 WVWI8'nn CE 19886 5019 Onoter 12 - hevrIN»I 11. 201 8 Account Sufnmary Prov)can Ba)ance Payments and Other Credrtt Purchases ~ Ady~ Fees Charged Interest Charged New Balance Total Total Creckt Une Total Creckt Awe)able Cash Creckt Une Portion of Credrt Avadabie (or Cvh Statement C)oslrg Date Days m BIlkrg Cyde $634c33 SAD $3800 $ )25.15 $6507A& $UtCI7l Sc)252 $2.)COCO Sa9251 ) Ill )lyly I 8 31 Payment Information New Ba)ance Tata) C)srart Pa)ment the Pm Due Amount $ 650)A8 $ 226.00 $ 1.01 200 lf you nake no adcktfonal cfvuges using tfss card alx! eadl nvxsh you pay You will payoff the And you will end up balance shown on t)vs pa)cog an esumated staterrant In about tata) of Tata) Mlrvnnan Paymect Due $1.23600 Pa)merc Due L)te 12 08/2018 Late Payment Warning lf we do not receive your Total Mnvrrcan Pa)anent by the date luted above. you rrvy have to pay 0 fate fee of g& to 53 8 00 and your APRs may be Increased up to the Penalty APR of 29 99%. Total Minimum Payment Warning lf you rruke only the Total M!n!naan Payrners each penod. you nag pay more In interest and 0 va8 take you er to off ba)ance For e le Only the Total Mnsrraan Pa)ment $15.702 00 ff you would like Information about credit counsegng senrlces, call 866a00.5238. BANK Of AAIERCA PO BOX15019 V/IL)RNGTONCE )%8550)9 !~IIII I)a» Bsluce )oue loral lknmun Ivonu!e oua Perm»re Ove Dare $650)A8 $ )23600 12/08/2018 DAVID PATR!CK GONZALEZ 431 HICKORY ST SAN FRANCISCO CA Sa)0248XI Enter Sn)mare sr»aunt I Ave»»un acwataantrvvu n»nave aaa wvwaa mm arwa rw»aar»»rv rvwu ar anw~ rrv» Iv uaa vw win»n auN alai va» alwn aaraau vr evils Ie a»n»m~rarz IMPORTANT INFORMATION ABOUT THIS ACCOUNT pAYFNG RITEREET ~ wr wll nct etage httrnt a F&m&t Jas Intra nte e«arum& Il y&w pay I ~ hew fbd«re Tccal h hfl CY do Prpwa Cue C«h Jnd ycu bad Fa d 4 tdl ty ttr sure&an~ Due Catt. We we brg'c ctaugrg bean& crr Pa&area T ars ers «as Cash Ancnct5 In dw I&rosa&ra& dar t. TOTA(. RlTEREST CHARGE COMPUTATION ~ us«re Chargn accrue and are compounded m a da ly bnra To dr&a&nero lte Irtrree purges we Oaf&lory e«h Pabncr Sabra& lo bstrt5t 141' ty its arsrcabo Caoy Fono&fc R«t orat du& mao 5 nay& Ford LY &r Iamb&« ot days 4 do barrg cy&4 To drttmcnt &te tobd Irtt n. Charge Icr vw barcg cy&4. we add dw pedodc A«e Instant Cha gee I Og &ter. A Cally Fredt Rat 15 &«ala&ed by dudug an Jieud Pcrtmage 14&a by ML HOW WE ALLOCATE YOUR PAYIJENTS - P~S are as&card tO pos&«l oaf«era If yha «cart lass babuen wllh dtfrr«e APRI wr w 5 aaocate tre an&san I I your paymrrc eoual to dw Total srcoram papua&1 cue to dw bn»e APR tabnc as tits& Prdudrg tr«san&&ms madr a'er IHs exernrs( Patnurs «us&res 4 tacan ol yhr Tccd lfnham Paymrrc Cue will bt acct td to baJrcr1 wh'I Hgwr A's bt far by«en whn hwrr APIH. IMPORTANT FNFORMATION ABOUT PAYIJENTS BY PHONE ~ open udrg dw op& anal ptrb)ntuae stra&ca. you audwrbe us ta r&d«t m ~lrctrasc paymert fran ynJ acean al dw Fvavebd harbarar you drs gare. You mao& «Jror&tr I'e ar amt «d dmrg ot each paymmb Fa yar pret«Crab wr we ae for secur Iy 4 Ion-a&boa A fee may apply tor readied Ho&&CO To ca&&et, cdl us bar err Ito «led&fed paymrrc dae. Someday patman c«va be tdted or c«rct4d YOUR CREDIT UNCS ~ Tre Total Creat Lhe IS tto «narr Of Creel hadabie tor lhr «care: HI«ever. acy a ponbn cf tta ls eatable fsr Bub Cash la&aces Tl e Cast Credl Lho Is &rat am«re yenta'aeb4 fa Buo Cad& Ad»men Gererally. Barb Cash Jdwrces conbs& cf ATIJ Cash Ada&acta ove lrw cares {etc) cadr Ada&herb Samrcay crore cnh Acacncth Oaerdraft Proc et la& Cnh Advarcrb Cash Ear&a«ca «4 eeacao4 lnnsacdoa fees MlscELLANE DUs - Fr&ra&rona& rute End catr THs date ls tascd &n a tu&ure su(«ver& des ~ cae. Il you ctange your paymre due dao, pcs der could char ge. Tlw hew BaaYO Toud »H&h appears on drs s&«emma H rot a payatt «narc ad rraty bt Sat)tct la adcf& md rttree chargn nnen yar Fay 4 tua steer ya.r 5&atmo&1 ced g dae. pease cortat do cus.rmer san&ca &amber located a tlw him& of tws suvemrs for a pafcrf an«nb Sinu« cards are lt ~ dg&d fam of phr tegn4 Ftyucd creel cern st«ed wi nn a &f{FTJI w l4t. 0 FCI B Bart or Arrerica Corporathn CALCULATION OF BALANCES SUB(ECT TO R(TEREST RATE A»age Cary Babaue sit&ted Pncbrdng rrw Purchasn) We calcubite secor«~ Bar«en Sab)rcl ta an bc«esc 14te for Purdwses «d for e«h Ir&roac&ory a Prcrrudonal Cfftr babrct conssclrg of techsses VN do IHs tp {I) car&Ma&md J dasy ba&Jrce for each cbly h Ine baird cyclt, p) addng oa tre da"y ba4octs togr&nrf; Jrd p) &hddrg tHI hm of Itv dasy baeicrs by cnr rarrba of iblys br ttr boer'g Cy&4 TO COY&la&a dd dtdy by«Ye FOr OJCt day In tHS Stat«&ere'5 brang CyCH, WO (I ) tab ~ d'e btg rccrg ba4&ot. p) add dr am«re rousi Io tto acpacabhl Cary Frnoclc Ree muhrpted LY tt» prndaus ctafs &Idly bahnce; p) add new furchairb rww keen Frrb ard nrw Trend&lion Fen: Jnd (J) sub&i«t JCF terbit PJPnr&CS Jnd Crtdtb lf «ry dary brlanCt 4 Itl1 thtrl ttni Vrt trtat lt ai trna A»rage Bob«CO Mrdwd (rcbxfrg nrw Bal«ee Transfers acl new Cssh Adnacny Wt saba&are Separate Babuun 5&A(ea IOm intr ee line hu Babaee fr«sf«4 Cash knrorueb ad for each lncrodu&tay or Prom«lanai Clfcr by«ee c&nds&irg of Bal«ee Era&stars ar Cnh idusncra Wr do this by (I } Carta&«ug a dally balanCO ler radr day h IHS e«amen&'I bdlhg CyCle, P) Ca«ad«rig a Aldy babsrer for Orch day prlOr ta tHI e«rrntn&'5 brlsr g CyCIO t J& had a Ple-Cycb! Ca&acct' Prt Cycle brdarct Is a (Hlanct Tr«nit& or a Csih Aduaue vrm J &rasa&&Ion dat Fna lo tH5 5t«einrrc's boar'g cy&4 H.t wren o post 'r g der with« lws e«ernrc'5 baling cycle p) «bsng all Ilw da'ly CJLncn tcgrden ad (l] drsdng tnr am of dw daily babncn by do amber cl days In &Hs sceemrnc 5 bao g cy&4 To cart&i«e dw da ly babaer fru eadl &Sly lrr IHI e«enwrc 1 bill'ng cyc4, w« (I } tab ~ de begrctrg tadaruri p) add «I «var& ra&51 to &hr appscJblr DJJY Frnodc RJte rrahrpsrd bf dw pm&ad deft OJiry babnct, p) add llew Bd«er Tr«nr«4 new Cah Adv«res «ul Trasa«An Fees. Jnd (J) Sublr«t reps cable ~ «4 &redtb If ary deny behnre is len dan ttro wt trra It as tr'lI To ca ed«a a dary tuy«ue for tacti day prior to tH5 5&«tmtrc'I bil'Irg &yet d at twd a Pre&154 babuce (I ) we tab r lrw be grrnhg beIncr «trlbulJbl~ «rely to F»CF&4 balance {wH&h we br taro on tto transaction da& ~ of tto Fr« pithy&4 babvut? p) add «I «nan tonal to ttw JrpscJbit cJ&ly Feriocrc R«e nuhlpfad by tto prated day's dally babncr, p) and add &nly cte tpcroa4 pretyc4 bd«Yes are do&i relaced Transacdon Fera we r «brde from tHS cole&A&& orr all Ir«nacllas power bl Ffrvrord baerg cyc44 Fa tto c&mo4&e &runs ad cond&i&ms ot your accart. Consuh your Crtdt Card Jg ermrc. Tlat acca&rt ls lss&od rul odrrwstered by Barb of Amer&CA Birb at Jmenca Is a re&Peered trademub of Bao of Anorra Corporal&n PAYMENTS hr &»di mabd ptynrnn 4 a ar aw war»&4 d ao Oaynwr 4 II) wre»dot 5 om bred rw «eu ooaeu dan« &n ee wr»dana reran ol toa mrnorr «summa ltl aro w* I dea an» 4 Us ornrl rr t Us hwcul ra&eon a ~ lls eoa«nwvrww . «d ol wr& bl ru re&all enwbsw we «rf ee renrnona I&rib!& ri scar aaumnr «ense&bud I& rrrnmn &serried br nua ahrr 5 am 4&d ono « Ihr omit&«ca antra& rn «Y let Irelclnl ao rsymm& cae curn br eu& rrlrwlrr meet do Ibc» nrorrmwaa wa be &rrdua 4 el ae art ay oepws nwu arne « ty dure wa bs ows lsd Os er ee aw el «oval d nwdr ty s om coro&4 oed& ia «Y orw asynmu nut br a«err» 4 hw orra cam arrnsru nua we «r «sera er Jr« we Ierr Jun& lotJ. «a url be «ac&«i »a I wor warn«ore Irp) lw ornwr& duo centu «m ac««i ow srtuH&rrr areoal ae onr wrnm iorewl ct «u d «J 5«w centra sw aorr«mcrl Irynrrt duas& uru&musaNI bc urrrd ao vtormwm Inmd w parr d«a f«h dorb our»un In 4 owe a oru wru our&un« Ilah asmt« llr race« a a r ale &I oww astd furah Irrf I» wean«m llonl ssur «rare 4 srrn 4 eo ano orr ne uco» ronaeynmc ch«bs «e nsr »Mal 4 tou d fw hr» anew&«d IJ 4 lur tear os&5 t cad ba «ann&art hwn parr sr&mes a dr&bra «a&re wa aa pu cn \ao ao oeynrr «r «Y a&Can yw l«ro ls &rond Tr aro oememc par lrns east wsm ro rc &son owo buwww osfr berne ee ouoansnc orrmne o sclera«d 4 oaw. nonea ra ad OY un&an cnmriaow h &hs 4«n * Transactions Trusser/nr Fcuirg ane Ca.e Cercnftkn Fees II/Cg I I%9 LATf FEE FCt F'AII/fNT CLT TOTAL FEES fOR THIS PERIOD Fnrrnms hseeor kcrsrt raecnr 535OO 11/11 11/I I 11/I I I I/I I 11/11 11/I I 11/I I 11/I 'I in&scorn Clur gad ref REST C PA ACED CN P.'RCPASE 5 INTEef ST CPARCED CN EALArrcf TaANSF f as II,TEsf sT cnipcfc cu oil cfFscpc EASNAcv INTERE ST Crrngaf D CN BAvrt CASH A"VANCE5 TOTAL RITE REST CHARGED fOR THIS Pf RIOO 12515 aoa aco aco 5125.1 5 Total fees durgA In 20'I 0 Total krtermt charged in 201 8 534200 S126751 Interest Charge Calculation your Annwl percentage 14te IApR) Is tre renud In[crau race m yraa attract. Type of Amasal romodend Pmemt4nal l4iance Percenmge Transacdon Oiler IO Rate Type Promotional Rate fad Date l44ma Subject to Interest Rate Interest Chmges by Transactlen Tnm Purchases Ra/arne Tmnsrms 2399s/rV 119VN V 5 fvao955 5 11$ 15 s aco s aco Direct Deposit and Check Cash 1199ary s aco s aco Advances l4nk Cash Advanres s aco 5 AFR Type ca%@rises Dairy Irveusr Rne Type v varukre Rn~ lrar ~ r ay mryj Important Messages You'e a valued ctdtorrer and we wart you to know dot we haveny received your cterent paymerc due please send your payment due today If yodve already mailed It, tlurk yacc V/Pen Its s statement ua: created, the acccnec'5 Crerbt L/ne wcu In a rest net ed status and noc ascp4ble for u:e. Pres I sr ~ Proud to support the brave women and men in our military Tnrsird pnrducts and seprrces through drtsosment «d beyond Bare of Rmsnca is here for perse nro sene test baniofamertca.cornfmllltary to leamrnore about ore mIIitary customer benef ts iirt I strrte coeetclte'srr or ts y¹( I Nrssrsea Additional Information Need to tsspute a traioactrcn) For tl e fa test rsspcse re.elution, plea:e contact the merchant. If teuuccessful. simply file a cps pure onhne www hant of«net leo corn select your octet card accrsert. dick the erformatron lb Senrrce: tab and then select the D is putt a traruacto'i tslder tile 'senrlces sectlart Ban kAmericard'AV!0 PATRICK GCNZALEZ 431 HICKORY ST SAN FRANC!SCO CA 94! 02.56CS BankofAmerica ~M Customer 5«rvke Intown«Item wnwt«re«inn«era««rn 1.8IX142!2110 TTY: 1.8CC3463178 Mall blmna Inqvlrles hn San ei Anwnca PO Sa«981134 E! Paso TX 7999&2134 ~tell payment un Ser» at Am«no« PXL 8««15919 We««rtr en CE 1988& 50!9 ««venrtvn 11 ~ Cur«new« 11. 1018 « Account Summary Prev! ous Balance Payments and Otl er Cre/AD. Purchases and Adtustmercs Fees Charged Interest Charged New Batsnce Total Total Creckt Une Total Creckt Ava/Lsble Crh Cretst Une Portion of Credit Avas!able for Ca:h State«nant Clasu'g Date bays rn Bi9!ng Cycle $ 6«C7 48 kzo km 53800 $114.19 $666967 $7.ccD/0 $ 33033 SZIcctD $33033 12/! I /23! 8 38 Payment tnformatlon hew Batsnce Total Csrrert Payment bue Past bue Area«as $ 666967 $117/0 SImacc If ytumake no ad«dt!anal 'Yau will payaff the cha!ges using this card ba!ance shawn on this and each r/sash you pay state!nona In about And you will end up paying an est/rooted total af Total Mirsnsen Payment Due $ 1.46500 Pay«nant Due bate 01%8/2919 Late Payment Wamlng If we do not receive your Total Moor«can Pat«nant by the date ksted above. yau may have to pay a Lste fee Of up t O $38 00 and yrxe APRs «nay be Inoeased up to the Penalty AP R of 29.9«PX« Total Mlnlmum Payment Wamlng If you make only the Total M!n/nsen Payment each pena«L you will pay more In Interest and It welI take you er to off balance Far ecenple On/y the Total M/re«man PaymenC $ 15,023 DO lf you would Dke Information about credit counseling services, call 86620cL$238. 2622 SANK OF At/ER'CA PO BOX!5019 V/ILlllNGTON DE I 988&5CI 9 New Sutuee fatti tata/ Same«en P«nauru Due Pe!merc Due Date $ 666«I67 $ 1.465XD 01/08/1019 OAV!0 PAIR CK GONZALEZ ~31 HICKORY ST SAN FRANCISCO CA 941024C!5 Enter po/me«s emaunt An«neve 4/ e«nsr«ew nun/wc em m«wm e«n 4«««« /nv /mmmr «vww er evw «eeenw«m nw«n uee ew nwe«n «ewe em t«w «ee«e sewn« er 8«m er emmm ~«err« IMPORTANT INFORMATION ABOUT THIS ACCOUNT pAYFNB R(TEREsy . we wnl rot cregt I«theft cn ptsdascs cn tt» neo xxe«t» d you pay I ~ I rw Rata«ce Total In fuo by d» ptpnes (k» CKO. «sf you hxt pad h fult Ly tnt Fr»tous payrnes Cut Cxe. we ws ttgn dosg«g Irkwest on Bslork c T~rtrs arel cash Oduances an d» t~!»h dat ~. TOTA(. R(TEREST CHARF«E COMPUTATION ~ lrcetx O»rgcs accrtear» 4«tc~ er ~ dsp ILIS L To dt,trrw'» d» Irsetst CI»rgcs at rnuhtpty tech BdJrct Sr»lect 'lo usetst Rat ty It'5 acscbx4 Cusy Ft«4dc Rat are ttux &salt 4 «Lh Feed ty t to rs«tcr Of days 4 tkc hsrrg Cyck. Te oner«5«e tl» t Xal Iree ex Cl'4 ge for dt trSr«g cyck. we add d» Pe«faye Rxt htercst Chegcs tcgt «tr A c»ly Fcnodc Rxe Is carcutxcd tycfvdrg an Artux perte«cagt Rate ty 355. HOW WE ALLOCATE YOUR PAYMENTS - Pay«ess are asocxed to FO51 trt byanctL It ycsr accact I»s taltr»ts wrth d ffKt«t ASIL wt a«I aaocate d e enact cf you Fa f«c«t te«d to the Tocsl Mrs«kyn Papwrt Lt to tt» lowest APR tdeeet hrx prckrd«g trx»actles «ack a'ter dss axe«es) Pap«et e«ctrss In etc tss c t pxc Taut Mr»«yn Pay«ers Cut wnl te appaed to tars»et vtt hid»r 4 Rs tefort bye»et artrr hwer AFRL tMPORTANT RfFORMATION ABOUT PAYMENTS BY PHONE - Yy»n ud«g de epochal pay ty F e» senate. you uthooultt us to ardacc an ~lectenlc porters fr en you acecut at d» f«kuctal hxrtsder you desig 4'.e. You n«st autkulte tfe eases e d d«srg of each pay««et Fe yac protea'on. we «sq aa for securky @fan"Ktek A fee mey acply tor ~rptdl et. st«Iree To ca«ct{ cxl le tef rt d» sdtdtftd pay«»rs %1'xntday~5 Cart»t be eel ted e settled YOUR CREOlT ERIE S ~ Tl e THat Credit Lh» Is It» arnous M crtdt auobh' for d» acta«t: tewever. C«Y ~ port/an of dac f5 4«akstk fe Bark cash Ac«a«COL TI» cash credt Une ls ttat an»urc you caw auxkstk fc« Bark cash Anrectk cc«cracy. sara Gnh A re»et cr«ox cf Aysf cash Adw«ctk Cuer tl» Causer (CTC) Chh lduhcel Sw»-Cay Crdnt Cash ldw«cel Outrcrah Froteercn Cash Aduarctk Cash Eaftaleck ed 4CPSCOIJO tresactfon fee L MISCELLANEOUS - Fro«»de»t Rate Eat Cxe THs dstc Is tascd cn 4 laura stxc«»«t eke rg dar 411 ysu cfkege your pap«Vs a» datx IHC date could chege. TI» I nc Balance Toed wHch appears on dh stxenes h r»t 4 payoff »narc ed may be hthct to add tlonal ace«ex degas so»n you psy h full aber yac xnc«t«t cksng dne Pane co«tact the cuwl«»r st«Ice rk«»»r tccxed on tre frc«t el dcs statcruet for 4 pay»&f x«acb hnust ca«os are d» d(ycd fern Of you et(FHt phrasal creen corot XOred wrd n 4 dfyut w ltt. 0 TCI8 Beb of Ar e«ca Cc«ttxlon CALCULATX)N Of BALANCES SUBJECT TO RCTEREST RlTE A»age cany Bsta»e kfed»d (uckrdrg r»w uucf»tcs) we calculate scparxe Bah«»et Sabha to an ht crew Axe for Puchsses ed for east hlroacceyor prorncdcnal cfltr Mace co«usd«g of uuchasck we do IHS ty ( f ) ca'ala'ing 4 dasy balance Au each day 4 tr» ts'«g cyc4. (3) addng all ttt da"y bdects tcgnnt«arel (3) dvd«g de 4th of lhe dally bah«Its tty d» rkrrs»r of rklys h tr» tntrg Cytk. T 0 CXCISXO d» deny skye»e Ie tath dly kl tHS ate«etc'5 tilled Cydt. WC {I ) ust de begrss«g balt»h (3) Kkl an erkkrc tqusl to tre acpsubk caly ptnod c Rsl ~ nkf! rp std ty II» prtdad dayb cLvly bttanch (3) adf new Pushes«L nlw A&cats Feel and ntw Transacslon Fees. 4«d (4) ottras yesrcatk pay«»rss ard credtk If ey oacy bake»e ls len duh sero we trex It 45 ttnk Aw age Bats«et Utd»d F«clud«g r»w (Le»et Transfers and «ew Gnh An«utes) Wesalnlee Seoeatt SaLrrttt 5«t)tcc tO an Irterew lkte 1Or Bdx»e Tresteh Cash kd»week esd for exh trsroquctey or Prcmat ekd Cffrr ta'e»e co«slxlng ot Bslarce Trersftrs e Cash ldwnccl Wc do tHs by (1) caktkxeg 4 d»sy bdece fa each dsy h INs xxe«ecb tshg cycte. (2) cakxat rg 4 deny ba'et 4 frÃ OKII cay prior to tl'4 axto»«t I olla«g cyck dx hx! a '%OCyck tata«ce - a Pre-Cyclt tat+CO h a Balarce Tresfer or ~ cash ld«e»e alt« 4 I~lan date plor to tNS stxt«»«t's blorg cycle but s«d 4 postIrg dele ahfh t»s xxenes'5 baling cyck. (3) adchg eo the da'Iy tatancts togtthcr: ekt (4) dhldng t", ~ sun ol the deny b4lance5 by the rksrbtr Cf dyy5 h tits SLXtn»«t 5 tneng Cytk. To caksfxt tt» desrby'e»t fcr tach day h IN$ 5lrler»rt'5 bill'ng cyck. Vc 0 \ Lxe de tegrrrf«g tata»c (3) xsd an 4«Chert equal to tht appscable cavy ptdccrc Axe nkfdpsed ty d» predars srfs any baknce. (3) esd new Bde»e Tres(nb ntw Cht Ad«eeet ed Tre»action Ftee, and (4) suttrnt acprcatk pay«trss est crtdIL lf 4«y daay bala«et 4 k55 dsh tyro at tftat R 45 se'IL Ta cakdate 4 dally bah»e for each day prfor la IHs state«et'5 Ulang cycle IllA had 4 fke+yck totecc (1) wt L1k t p» beg«nag balance Ktrlhsatlt sokry to pre.Cydc balece (VHch wnl be taro on d» trenactksr datt a( de pnt pre-cycle bats«tet (3) add an ena«t ca»I to tt» appocatk cosy Fcdcdc Rxt nwhlpstd ty d» prttlars dsy'5 Ildff takxcc (3) eld add eey the acts catle precyc'e bale»es anl delr related Tra«sactkn Fees we teide hen dss calcutxkn 44 trelsactlons po5trrd Irl prnsad bill r g cyckk Fe n» co«pwe tares ard cekyders of your accact, co«suk your Creat Card lg tenet Tris accckcc Is h«ed ekt ter»tweed by Beer of An»nck Bek of 4««coca ls 4 wg'dered trade«L«k of Bank of ln»nca corporxlek PAYMENTS . we ntdr ««rtd yry«ecs n et to ae»orr»rk a oe yrywrt Ik p)»cued Lsd 4«k kcd ene K ec eeoc» o«««on a» re«vnane yean et yk« r«etnf swsr«««k fy) ytkl ve ~ o«a ew«e Us otoes e ~ Us hr«nnd t««heo 5« ~ US out» «»r«seo«, ed o) tes I« t«wturr o«wksu ve e«y t» wwtw«a sewn ol s«JI xne«ws Ke«t««y«4 IL Ikh«u«a wc«lire sy «ua shw 5 a«k Icat wo n II» raattsnw»!Iccss rn ey drf I«eke«4 to ycf«««I tko bew, tut a«r elf»est ««K 4» stout ckoe««IL wn kr credwt n st e«w«to» yty«ew «»ru cranee 4 de» «d kc nwsad es d o«osw ot «KOK d «»OI ky 5 ank ct«tnc cwst Ie eytte ter«ee «»5 kr Ot»«d I o 4 tht 4«fs cnh esp«ass «uos vw ««wses or kilt wra Hre lrlrx {ktk) «x I«tf br yccoyet «rw ~ lost ktr tacsoe pct Iel terr«el oua tce«w sl ol need Ird Lladntkn vtwa e«ew «nr«n scc«wd ef e» of ««s«sol dr«res u» ynuou «»u o«c««c d«at e«us«usaf ks used eo uhw«twn t«r» e«y««d«ck csd d«rk»ewuts us 4 erst» 4 er«e«e tureen» hr»s tsnr«r fe trorce It yt ~ d«a Or Otter »dr) fur»I «» 4 Vhea« I«u«yar Kka«t SS OSW ee t«ke» 4rr «C»O«W 5«u yeyn«L O»du et ntt W«rr«t W y«L u pa hsw steeled ul e y«f Irslr ere»I cat ko aurlplwalrs I««sl««sa«as e d«rs«R Kokrc «nh uk )all ca«s«o e» ycyn«1 rn »Y sn«ut pkl IN'I ved To stot tas«««L 5« ~ Itne ««K rwrl u sr l«srt twc brsrr»ls aha b«f0» 4» sus«nnu I«pari II seedy«d w ecru Transactions Trntacdor Ponrg Cree Gne Cescrrpclon Fees ll08 Il/IC lATE FEE FCR PAyt/Ekt BX TOTAL FEES FOR THIS PEltlOD Fore~a Sccnrc bunco r Arrears Tmal 38CO 538OO Il/1 I I 2/1 I I VI I I 2/I I ll/I I ll/11 I l/I I llrl I lnlsnrst Charged ILTERE5T CHAscf D CN R.RCI'A5ES INTERE5T CHAccf D CN 8ALANCE TRANSFERS INTEREST CHARCED CN O'R Cf pgcnc CASHA"„V INTEREST CI AIICED CN 8Arrt CASH A"VANCES TOTAL RITE REST CHARGED FOR THIS Pf RIOR 13419 GCO GOD GCO Slit.l'9 r ~ I, Tcul fees dcarged in 201 0 Toui Intere:t charged In 201 8 $300 00 $1391.26 Interest Charge Calculation Tour Anneal Pere arrange Race IApRJ Is tre arrsrd eceren rwe on yrnr acccscc Type OF Ratance Anneal Percenuge Rate Transacdon Typo Prowdenal Otter IO Promotlanal Rate fnd Date Ralance SubJect to hrterest Rale Interest Chwges by Transacdon Tn Ralance Tramrsrs l299cs V 2299ssV 5 65123a 5 I EAI 9 5 GIO 5 Direct Deposit and Chech Cash 2299sre 5 Gco 5 Gco Mvancos Rash Cash Advances 5 Gco 5 AFR Type Celcnlcrt Ca Ty ecrren Rare Type V Varlrtr~ rtce (rare mry say', Important Messages You'e a vabANJ o/tto/ner and we wart you to lmow that we Jcyven't recerved your nerert pay/nant due Plea:e send your Daymerc due today If ycshre already roar led IL thar% ycnc V/hen des statement vcr created tl'e accourt's Crerat Ilne sros h a rntrtcted sutcrs and not asolLTble for Ioe. ares 1 or a Additional Information Need to drsputa o transocticny For the fa:test tkspute resakean, please contact dw nerchost. If teotncessfsk srmply foe a rh sputa onhne www hankaf~enco cont KeIect your crerkt cord acctggrt. cock the Informrotran 4 aces'sb ond then seIect the 'DIspute gtraion'k undn the 'Sennces secuan. pagogar I Bank Americard'AYtD PATRiCK GONZALEZ 431 HICKORY ST SAN FRANCiSCO CA 047C2.5600 BankofAmerica ~W Czntomer Servke Informeuofc wwwtvetafmuzfcacoa 1.80042121 I 0 TTT- 14ICC34631 28 ~loll lifaoa lnrnarles ur. Bat of Arwnca PG Ba4982234 Ei Fera Tx 7999a2234 Met I peymern tre Bart of America PO. 84415019 Wtmtrir an CE 196ftf'r501 9 Cecemorr 12 ~ Nnverv 11. 2019~!m Account Summary Previous ibbnce Paymerts and Otver Credzts Purchases and Adtcstnzents Fees Charged Interest Charged New Babnce Total Total Creckt Une Total Creckt Available Cash Crefst Line Portion of Creckt Avafbble far Gr.h Statement Closing Date Days tn Btlftrtl Cycle 5566962 kcc Saco Soaa 0132.91 S T.txtcco SI93.42 SttcecO 5 f92.~ 2 Ctfttf2019 31 Payment InFormation New Babnce Tctat Czrrect Paymeot Due Pa.t Due Arrount SEIC258 5 I 9900 S I.46500 If you nfake no addttlarul You will payoff the durges using this card babnce shown on ttss arxl each Inarch you pay statement tn abaca And you wtB endup paying an esttnuted total of Tctal Mznfrreen Payrnerc Due S 1.66l.co Patenent Due Date 0?Cttr201 9 Late Payment Wamtng If we da not receive your Total Mffsnsan Payment by the tkke kcaed abave, you fnay have to pay a bte fee of up to SSB 00 and your APRs fnay be Increased up to the Penalty APR af 29.999I Total Minimum Payment Wamtng If you make only the Total Mznfnssn Payment each pencKL youve g pay more tn Interne and tt vng take you er to off babnce For ecfmpte Onty the Total Mlrensan Payment S15,900 00 If you would Bke Information about credit caunsetlng services, call 866aOO,S238. BANK OF A14ERCA PO BOX'15010 tffftkffNOTON DE I988tsSCI9 «:i~ 2 New Bzszmce Tacei Tazef llzwreen Potnvfre Due Pzreeere Due Ooze S6.%2 58 01.66600 02/CBzz2039 DAVID PATR Clc GONZALEZ 431 HiCKORY ST SAN FRANCISCO CA 04102-5606 Av rooue oroeeeeearvzzo Ieeeam eee nrwre eoe ence reerferewv zvww er eeo~ ne» ze feel eee eeeree earns ww few erect referee w aeee ef eeeem ~zezzs * ~ Isis IMPORTANT INFORMATION ABOUT THIS ACCOUNT pAYR(G (NTEREBT - we wa lrt charge I%area a Fsr&450% on PQ rex SLkrmIvr I( psr pay nw hsw Batrve Focal In (%4 by dw Pa(ms%0 fku Cate. Jrv( yrw tadl Fad ur RJI by rlu pres'cps papwa cut cat. we wnl trg« cl srguy( res ~ %% an gator t Trans(era Jvd cash sources on llo lrarhks on out. TOTAL (NTE REST CHARGE COLIPUTAT(ON ~ Irsreu Chwgss Jc«%4 ard vo campariwd cn 4 dJ Iy ttuL To delenvru IIQ (I%art%I OQrgst wt In%i%(pi(each EQLvcs 5%b,tcl Io Irttreu Rr~ by Ils acpl cJI'4 Cosy Itvo&c Rue tnt «a re%uk 0 mun&Sad by Ce %%poor C( sty% 0% Ire trlrrg C(%4. T0 dtitmuw thr Isul iris ml CIQrg» (Cr Inr bnrrg Cyclt. Wt aa! Itr FOOOCX Rar Irpea Cha gal log rte . A G(ly Fenocsc Rxr 4 caku(aced by clv drg an Arrual percenlNN l4tt ty 555. HOW WE ALLOCATE YOUR PAYIJENTS ~ Paymrts Jre asocatd Ia posted batrc SL If yha ac%art has bat%Ice% vto sile%art ANIL we vs aooule tlw Onarr 0 I your paymssr saul lo llw To%el LrHe%su paympr CL» Io du lcwea APR taL«et% t rw fvrtasrg Ironaalors mace trier LHS SLkrmrr{ pa(Purr iprnrl 5 In 0 0' 'I\ cf yar TOLII Ilvvmssn paympr ELJ wol be appsed lo br%Ores wiln h'gher Aoos befcre Mares uacn lower JFRS ft(PORTANT RIFORLIAT(ON ABOUT PAYSJENTS BY PHONE- us'rg lhe opl aul PJrbrIlvre service. you a&unct us to I%i%at an rut%rom% ptyr%nr fnsn ycvr Jccarc a pu lnarrlal lrshoaan ycw dss gw.'s. Yai nsnc a.&cate pw dranc 4%0 Itnrg 0( each paympL For yar proceclra'. we wol mt Nr stcuky Ifcrmatlds 0 tee may Jcpsy lor tx«ptd service To cnrtL ul Irl tsfort Iht xhtdultd pa(me%0 dxr.Spumy pa(mors urvvn bt edit% or carrtltls YOUR CREDIT ERIES - TIO Fad EH&1 LIO IS tlo unaar 0( as&i JQILOI'0 (or Iro ac0%rli Irw«m a 'y a panion cl dvx 4 Juyubu fa Brt Cash AhurrtL The C05h Crt&I LIQ II tl Jl wnarc you I Jve 4%%%1J04 fcr Barn Cash Avoxet Crr «ary Bart Cash An%ores cawu a( ATIJ Cast Jdvcrr OL Cvt du Car%«(UFO Cash JdurrOL Same-~~ Craru Cash la%Ores, ovemrall Pre%ac.np Ca+ Jdvtrret Cad% Eat%%Op%had appsorfe Iran%a%ocr (est LRSCELLANEOUS ~ Frwrwi oral Rs: ~ End Dale TNS cats h based one (Uhre %so erntrt C'osrg dale. If ynu %targe yar Faymrr du dxa IHS dna caad Lnargs. Tlo hrw BJLvxe Toul vrkh appears on INs SLrsmpr 4 net ~ paysN dna%0 and mJy be «b(ecl t 0 4 &lioral I%err%I civvgss %%ron }Hu pty sr tun a(lcr yar a%lemur %45«g due. Posse ca 4%% &Q cvalrwr so%%as %sauter txaled an dw (rcrv cf (Hs start«dr for 4 pay-o(f uwsrL sinu& cards are thr &glul fcrm a( yar et&54 Fsyucd creel cad% stored su%vs% ~ Ifg)IJI wopOL 0 TC19 Bart of An'crea Ca%Fora%ron CALCULATION OF BALANCES SUBIECT TO R(TEREST RATE Avnags cary BILvrt Iftdlod (urtrsry) ruw Ad&4%el) yw cJiculJI ~ uwar Bounces sr )ea to an I%pea pale for plr&QIOS and for e4th lrlnktcsory v PrIPQOIYUJ Cffer MBrtCO Con5lsling 0( Arrl'Jstt ylh" do II%5 by {1) u CILkug 0 0Jly balare tor tach day II Lve bnrrg Cycle-.(9) ad&Cd 40 Ire dn"y bats%res logsinrn 4H( O) &4&rg llo QPI 0 1 &Q dtny babnct5 by Irr %sr%us 0( days %% IIV bat%'g C(CQ. To IJ'cuuu the dapf brake lor tact day II this shÃemrrc'5 bio'ng cycso, wo (I) tate &» tegrrsrg baunct: (5) ak! 4% Jmasr roual lo tN Jppsuble easy Frna(C lul0 munJFSad ty the Pr«san day'S AS'ly baiorr. (I) egal neW FIJ&QIchnew a%cars (rota«drew (ra%ac%Ion FOOL Jrr) (0] subtract Jcp scabu pap%eris Jrd crt&It I( any dans be Lure Is 4%a Ihm Nm we tree% It 4% le'a 4%oags Bat%net Ursus frxhr&rg new Balarrr Transfers Jrd row Gnh A&st%res% We uk%Are srparae gainers 5%bNa %0 an IHpe%I Rale for BJLsre Trurr«5 calh Acvancek Ov( (0% ead Is%ado%sory a Romalanal CNIr bardvr Cc«JQ%ng 0( BalarCO Trdvfrrs Or Cash Aduurrt We do pus by {I) CJICIAklrg 0 dsny bature for OJCI dJy II IHS ILkwnrsb billing CyClt, {y) cakia'rg 0 dan( brake tor oxh day prior ta tN5 suirmnr'5 bn trg cyclt Ita had 0 Ys«C(cu bala%vs' 0 Pre&(su balnre ls 4 Balance TrJrsf sr Or a Cash Ac%%Ore wlrn 0 Iarsaclvm dJlt pnor lo INS SLxtmerr 5 (sttrg cyc4 buc Ipc a pouvg da t OJINJ tws slalemerc's bnnng cycle, (Tl adcsng aa Ilo deny batvxts Iogrdun Al (0) &vk5rg Iru OPI Of INI ddly baturts by Ihe (%Pter of CJ(% In dis SLIItnwrl'5 bnsr g cyc4. To ca%asks lte dtny brake for ra&I day In tHI su%enure I bisffg cyclt. wr {1) Lwe tl'4 begtmsrg baLurt, (y) akl an iprspl raul (0 Ite Npauble easy Fenosc Ilslt muhlosed by &Q Pr«acus daFs 03lsy baLlnct. (5) Jdd ntw Brake Trur(«5 new Gnl Advoxts 4%0 Trutsaciias fees, and (4) sub%reel apprcab4 pay%vers% av( err&%5 I( Jny oath/ bstoxs 1% le%'I I%un it%0 wt Irsa It 45 t«%% Ta ukILQO 0 do'y brake (or tach day plor to INs uairmpu'\ btsrg cyclt da hxl 4 Fre t(%4 batrrr (1) we us0 tlw begrrvrg balance all rlbuable %0%ry \ 0 Pre-Cycw babas {HNch will be lwo on tlo Crau\ac%Is% dal~ 0( the Rnt Pre&504 IJLuret (2) add an pnarc taut Io dw acplkabu C&IT Frrlo&c lace mon(pard by IIQ preuad deft arly batuvr, p) 4%0 add only &Q appl ub4 Pre&(%4 ba'urea avf Mr re(ac& Tran%ac&on Ftes We \%clads (ran IN% CJICIAXNP al IIJOLIClkrs poutd SS presOU5 haing C)045 Fsr su comp4%e I tun% and cansd rrs of your ac%art ter%uk your Credo Cpc Jg rem«5 Trvs a%carl is laued 4%0 actvnislwed lry Bart of America Lvt ol Jmerica ls 4 IOSIolercd trademart ot Bus% of A%One corporaion. PAYMENTS . ws osc I swwd nhmmh a %0 Oo ane «onvus 0 eu psrnri Lv p) rscpuu st 5 Jnv kcd onu H Ov oksru Our« sn eo Hrwmnce room el yor mrrvHF Is%%mr%no D) Fsu u e ~ duct crsnr Iv U 5, our% o a U5 lvvnssr Ivrhrm cr ~ i%5 0%04 nwuror%, ru o) sms w eu Ho%I on%urn unh OHF pv %Own%vcr puwp sr twn %%su«us Hop%sr%ra a ter%ra Hansu ts sul ssm 5 oss kai mu sl eu rwvtwnw sntew m py osy uvduond eo osrvrv cte cps. Iul oui sounvw nuu IHI Iuew SJHHvrlh wrl ss nsclsm %% el oo russ oss assn%no rnlor sHvu or Irt llonl uu ts osciucl ai ol au ala OI Ha%el 4 nuru Iy 5 srn fnmrss EH&I Isl ml slur psymuw sot ts ah%HI o w hvs JHS csnh ssrmno msvs sve or wnps w Nu vs (sr«a%on laui vu pst ts sr%slow vp a we%I tunaharun pcl hu asrnml oua sceuu %% u . so%vs nu us&scam vs%hi oo p» %earn sar%su %4 sre si our 5%«or crnors ws our«% %rust nsruH duct% ~I%cow%as( ts Ilorr oo Iscmusm Iouu 4 Fhr decl fsd'u%0 a%ovum ln w craw ~ ov.onu siscosHc hs%« urn&« hv process It %% I duct w nlwr Imh) Fr%br JF ss levn«m invn psrscnnrl II wm 4% ew Imu 4%see rsa «psr ohmnx ovdu Is nsl Hapvd ol ysv 0 ynr Ious avow%ad %!I w osy fnr owsl uu su nnvns".cant I%%Pl pnr %erg%d dvurg sccouH va %4. Inu cm Iuo do osrnsm m snf unarv ysu IHH| II vwg (I Iwo mrnms 'nvn Inp OMI ram %% JI IOI5I ows Is%%ross 0%%% ssrds oo un%Purr serum 4 xlvvIJOI ~I scnl Chango 4( Address(Phono sunnbo«Ongno ot wwwfranto(arnorkaJom Pl«see do swt add any wrllten communlcatloa In this space Transactions Truuscucn Pcsc' Ca:e Oate Cert rlpurn Rcrenrct Acccset Nrnt»r Are/art Total Gi/11 O'III I O'I/11 O I /I I Cinl Or/I 'I 0!Ill C!/I'I intwest chrrgtd IN1 f RE 5T 0 ARGEO CN IRSYI4ASES IN f RE51 C!rARGEO CN RAEANCE TRA'asfERS IN EREST EVARGEO CN O'R CEPAESrt EAS/rACV IN E REST ElrARGEO CN BANK CASH KVArrcES TOTAL RITE REST C31ARGED FOR Tttls PERIOD 13211 am am cm 1132.11 Total fees chortled in 2CI!3 Total Intarm ctranged ln 201 9 5132 St Interest Charge CalcftIation Tus Annual percentage Rate (ApR) ls ue srrsrd Irttrsu net m your acecree Type of Balarue Annual percentage Rate omeuonsl Pmeuonsl Trursacuon Offw ID Type Promotional Rate 'End Date Balance Subject to Interest Rate Interest Charges by Transocean Type Balance Trans/est 3\ye%V 5 Ery3374 5 1311'I 5 ccu 5 Olla Direct Depout and choco cash 232esrv 5 ceo 5 cm Advances 22.2esrv 5 CCG 5 AN Tyct ct/enure cosy Heres: Rare Type v varuurt Bart jrsrt ruy rcryr, Important Messages Ycs/re a valued outorner and we wart you to know Cut we travent received your osrert payment due pisa e send your payment IR/e today If yes/"le already ma led It, ttrark you V/hen ttss statement wR created, cw accocet's Ere!st fane was ln or~estd stactu and not avatacie for u:e. Petr 3 sr s Happy New Year! All the best to you and yours in 2019 and beyond Thank you for being a Bank of America'ustomer. sur lo trna I rnrr»~ Additional Information Need to rsspute o trorssctronf For tie fmest dspute resolutron, pteose concoct the rnerchonc If reouccessful, srntsly ble o dIspute onene wwwbonkofanencs con. Select your oesst cord occorert. Ckdr the hforrnstron I4 Senrrces csb ond then select the Drspute otoroctn'Ilk tslder the 'Serurces* sectron pier c rr ~ PROOF OF SERVICE STATE OF CALIFORNIA ) ) COUNTI OF SACRAMENTO ) I am an employee in the county aforesaid; I am over the age of eighteen years and not a party to the within entitled action; my business address is 5011 Dudley Blvd., Bldg. 250, Bay G, McClellan, California 95652. On 'F ZI.ZSLO , I served the documents described as follows: 10 DECLARATION OF PLAINTIFF IN LIEU OF PERSONAL TESITMONY AT TRIAL (CODE OF CIVIL PROCEDURE 998) On the parties listed below in said action, by placing a true copy 12 13 15 16 17 18 19 20 21 thereof enclosed in a sealed envelope with postage thereon fully prepaid and placing the envelope for collection and processing for mailing following this business's ordinary practice with which I am readily familiar. On the same day correspondence is placed for collection and mailing, it is deposited in the ordinary course of business with the United States Postal Service. The envelope(s) was/were addressed as follows: DAVID PATRICK GONZALEZ 431 Hickory St San Francisco, CA 94103 I declare under penalty of penury under the laws of the State of California that the foregoing is true and correct and that this declaration was executed on Z &I at McClellan, California. 25 26 27 28 Kimberley . Tanaka pROop op sERY1CE