Customer Service Information:

www.bankofamerica.com
1.800.421.2110
TTY: 1.800.346.3178
Mail billing inquiries to:
Bank of America
P.O. Box 982234
El Paso TX 79998-2234
Mail payment to:
Bank of America
P.O. Box 15019
MICHAEL L WELLER
Wilmington DE 19886-5019
120 CLAREWOOD DR
BALDWINSVILLE NY 13027-3109

May 21 - June 20, 2019

Account# 5524 3352 6631 7466

Account Summary Payment Information

Previous Balance $2,212.14 New Balance Total $957.21

Payments and Other Credits -$2,800.00 Current Payment Due $25.00

Purchases and Adjustments $1,545.07

Fees Charged $0.00 Total Minimum Payment Due $25.00

Interest Charged $0.00 Payment Due Date 07/17/2019

New Balance Total $957.21 Late Payment Warning: If we do not receive your Total Minimum
Payment by the date listed above, you may have to pay a late fee of up to
Total Credit Line $16,500.00 $39.00 and your APRs may be increased up to the Penalty APR of 29.99%.
Total Credit Available $15,542.79 Total Minimum Payment Warning: If you make only the Total Minimum
Cash Credit Line $4,950.00 Payment each period, you will pay more in interest and it will take you
Portion of Credit Available longer to pay off your balance. For example:
for Cash $4,950.00
If you make no additional You will payoff the And you will end up
Statement Closing Date 06/20/2019
charges using this card balance shown on this paying an estimated
Days in Billing Cycle 31
and each month you pay statement in about total of

Only the Total 5 years $1,364.00

Minimum Payment

$34.00 36 months $1,224.00

(Savings = $140.00)

If you would like information about credit counseling services, call

866.300.5238.

20 0009572100002500002800000005524335266317466

BANK OF AMERICA Account Number: 5524 3352 6631 7466

P.O. BOX 15019
WILMINGTON DE 19886-5019
New Balance Total $957.21

Total Minimum Payment Due $25.00

Payment Due Date 07/17/2019

MICHAEL L WELLER Enter payment amount $ .

120 CLAREWOOD DR
BALDWINSVILLE NY 13027-3109
For change of address/phone number, see reverse side.
Make your payment online at www.bankofamerica.com or
Mail this coupon along with your check payable to: Bank of America

A524022250A 20115266317466C
MICHAEL L WELLER ! Account # 5524 3352 6631 7466 ! May 21 - June 20, 2019

004 - 000 - 000 - G

IMPORTANT INFORMATION ABOUT THIS ACCOUNT

PAYING INTEREST - We will not charge interest on Purchases on the next
statement if you pay the New Balance Total in full by the Payment Due Date,
and you had paid in full by the previous Payment Due Date. We will begin
charging interest on Balance Transfers and Cash Advances on the transaction
date.
TOTAL INTEREST CHARGE COMPUTATION - Interest Charges accrue and
are compounded on a daily basis. To determine the Interest Charges, we
multiply each Balance Subject to Interest Rate by its applicable Daily Periodic
Rate and that result is multiplied by the number of days in the billing cycle. To
determine the total Interest Charge for the billing cycle, we add the Periodic
Rate Interest Charges together. A Daily Periodic Rate is calculated by dividing
an Annual Percentage Rate by 365.
HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to
posted balances. If your account has balances with different APRs, we will
allocate the amount of your payment equal to the Total Minimum Payment Due
to the lowest APR balances first (including transactions made after this
statement). Payment amounts in excess of your Total Minimum Payment Due
will be applied to balances with higher APRs before balances with lower APRs.
IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE - When
using the optional Pay-by-Phone service, you authorize us to initiate an
electronic payment from your account at the financial institution you designate.
You must authorize the amount and timing of each payment. For your
protection, we will ask for security information. A fee may apply for expedited
service. To cancel, call us before the scheduled payment date. Same-day
payments cannot be edited or canceled.
YOUR CREDIT LINES - The Total Credit Line is the amount of credit
available for the account; however, only a portion of that is available for Bank
Cash Advances. The Cash Credit Line is that amount you have available for
Bank Cash Advances. Generally, Bank Cash Advances consist of ATM Cash
Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash
Advances, Overdraft Protection Cash Advances, Cash Equivalents, and
applicable transaction fees.
MISCELLANEOUS - Promotional Rate End Date: This date is based on a
future statement closing date. If you change your payment due date, this date
could change. The New Balance Total which appears on this statement is not a
payoff amount and may be subject to additional interest charges when you pay
in full after your statement closing date. Please contact the customer service
number located on the front of this statement for a pay-off amount. Virtual
cards are the digital form of your eligible physical credit cards stored within a
digital wallet.
© 2019 Bank of America Corporation
CALCULATION OF BALANCES SUBJECT TO INTEREST RATE
Average Daily Balance Method (including new Purchases): We calculate
separate Balances Subject to an Interest Rate for Purchases and for each
Introductory or Promotional Offer balance consisting of Purchases. We do this
by: (1) calculating a daily balance for each day in the billing cycle; (2) adding all
the daily balances together; and (3) dividing the sum of the daily balances by
the number of days in the billing cycle.
To calculate the daily balance for each day in this statement's billing cycle, we:
(1) take the beginning balance; (2) add an amount equal to the applicable Daily
Periodic Rate multiplied by the previous day's daily balance; (3) add new
Purchases, new Account Fees, and new Transaction Fees; and (4) subtract
applicable payments and credits. If any daily balance is less than zero we treat
it as zero.
Average Balance Method (including new Balance Transfers and new Cash
Advances): We calculate separate Balances Subject to an Interest Rate for
Balance Transfers, Cash Advances, and for each Introductory or Promotional
Offer balance consisting of Balance Transfers or Cash Advances. We do this by:
(1) calculating a daily balance for each day in this statement's billing cycle; (2)
calculating a daily balance for each day prior to this statement's billing cycle
that had a "Pre-Cycle balance" - a Pre-Cycle balance is a Balance Transfer or a
Cash Advance with a transaction date prior to this statement's billing cycle but
with a posting date within this statement's billing cycle; (3) adding all the daily
balances together; and (4) dividing the sum of the daily balances by the number
of days in this statement's billing cycle.
To calculate the daily balance for each day in this statement's billing cycle, we:
(1) take the beginning balance; (2) add an amount equal to the applicable Daily
Periodic Rate multiplied by the previous day's daily balance; (3) add new
Balance Transfers, new Cash Advances and Transaction Fees; and (4) subtract
applicable payments and credits. If any daily balance is less than zero we treat
it as zero.
To calculate a daily balance for each day prior to this statement's billing cycle
that had a Pre-Cycle balance: (1) we take the beginning balance attributable
solely to Pre-Cycle balance (which will be zero on the transaction date of the
first Pre-Cycle balance); (2) add an amount equal to the applicable Daily
Periodic Rate multiplied by the previous day's daily balance; (3) and add only
the applicable Pre-Cycle balances and their related Transaction Fees. We
exclude from this calculation all transactions posted in previous billing cycles.
For the complete terms and conditions of your account, consult your Credit
Card Agreement. This account is issued and administered by Bank of America.
Bank of America is a registered trademark of Bank of America Corporation.

PAYMENTS - We credit mailed payments as of the date received, if the payment is: (1) received by 5 p.m. local time at the address shown on the remittance portion of your
monthly statement; (2) paid with a check drawn in U.S. dollars on a U.S. financial institution or a U.S. dollar money order; and (3) sent in the return envelope with only the remittance
portion of your statement accompanying it. Payments received by mail after 5 p.m. local time at the remittance address on any day including the Payment Due Date, but that otherwise
meet the above requirements, will be credited as of the next day. Payments made online or by phone will be credited as of the date of receipt if made by 5 p.m. Central. Credit for any
other payments may be delayed up to five days. Cash payments made with our tellers or ATM with Teller Assist (ATA) will only be accepted with a valid identification (ID).
No payment shall operate as an accord and satisfaction without the prior written approval of one of our Senior Officers.
We process most payment checks electronically by using the information found on your check. Each check authorizes us to create a one-time electronic funds transfer (or process it as a
check or paper draft). Funds may be withdrawn from your account as soon as the same day we receive your payment. Checks are not returned to you.
If you have authorized us to pay your credit card bill automatically from your savings or checking account with us, you can stop the payment on any amount you think is wrong. To stop
payment, your letter must reach us at least three business days before the automatic payment is scheduled to occur.

Change of Address/Phone number: Online at www.bankofamerica.com

Please do not add any written communication in this space.

AB
MICHAEL L WELLER ! Account # 5524 3352 6631 7466 ! May 21 - June 20, 2019

Transactions
Transaction Posting Reference Account
Date Date Description Number Number Amount Total

Payments and Other Credits

06/16 06/17 Automated Phone Payment-Thank You 0747 7466 -2,800.00
TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD -$2,800.00

Purchases and Adjustments

05/20 05/21 VERIZON*ONETIMEPAY 800-VERIZON FL 8390 7466 162.92
05/21 05/22 SARDOS PIZZERIA OF BAL SYRACUSE NY 6542 7466 19.42
05/23 05/24 SENECA KNOLLS BIG M SYRACUSE NY 6737 7466 38.25
05/23 05/25 Trashbilling.com CC 802-5603595 VT 8076 7466 83.45
05/27 05/28 NORTH COUNTRY FLORIST BALDWINSVILLENY 9395 7466 24.34
05/29 05/30 DOLLAR TREE BALDWINSVILLENY 6365 7466 16.72
05/29 05/30 BURGER KING #9760 Q07 LIVERPOOL NY 0240 7466 6.48
05/31 06/01 BURGER KING #9760 Q07 LIVERPOOL NY 1292 7466 5.50
05/31 06/03 DOLLAR-GENERAL #9576 SYRACUSE NY 7899 7466 16.83
06/01 06/03 DOLLAR-GENERAL #9576 SYRACUSE NY 6747 7466 22.25
06/01 06/03 SENECA KNOLLS BIG M SYRACUSE NY 6505 7466 34.12
06/02 06/04 ALDI 65040 BALDWINSVILLENY 3309 7466 17.77
06/04 06/05 BARGAIN OUTLET 6424 BALDWINSVILLENY 3739 7466 523.58
06/04 06/06 THE HOME DEPOT #1257 CAMILLUS NY 0923 7466 144.68
06/06 06/07 BYRNE DAIRY 120 PHOENIX NY 4906 7466 47.40
06/06 06/08 THE HOME DEPOT #1257 CAMILLUS NY 8198 7466 42.54
06/07 06/10 SHIV KRUPA LLC CITGO I BALDWINSVILLENY 9278 7466 36.50
06/08 06/10 SARDOS PIZZERIA OF BAL SYRACUSE NY 1747 7466 9.71
06/08 06/10 DOLLAR-GENERAL #9576 SYRACUSE NY 2041 7466 6.15
06/08 06/10 BYRNE DAIRY 120 PHOENIX NY 4575 7466 20.21
06/08 06/10 NAPA STORE 0895005 BALDWINSVILLENY 6007 7466 23.75
06/09 06/10 LOWES #02379* LIVERPOOL NY 3164 7466 17.26
06/09 06/10 WALGREENS #10749 BALDWINSVILLENY 7673 7466 21.96
06/09 06/10 BURGER KING #7149 Q07 LIVERPOOL NY 0669 7466 8.63
06/10 06/11 WRIGHTWAY HARDWARE BALDWINSVILLENY 4318 7466 30.00
06/10 06/11 BYRNE DAIRY 120 PHOENIX NY 5697 7466 16.88
06/11 06/12 BURGER KING #9760 Q07 LIVERPOOL NY 1008 7466 10.67
06/12 06/13 LOWES #02379* LIVERPOOL NY 1064 7466 44.26
06/12 06/13 DOLLAR TREE LIVERPOOL NY 8172 7466 27.52
06/12 06/13 MCDONALD'S F26590 LIVERPOOL NY 9600 7466 8.51
06/13 06/14 LOWES #02379* LIVERPOOL NY 6581 7466 15.90
06/14 06/15 WAL-MART #1831 LIVERPOOL NY 8926 7466 21.47
06/17 06/18 SENECA KNOLLS BIG M SYRACUSE NY 5194 7466 19.44
TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD $1,545.07

Interest Charged
06/20 06/20 INTEREST CHARGED ON PURCHASES 0.00
06/20 06/20 INTEREST CHARGED ON BALANCE TRANSFERS 0.00
06/20 06/20 INTEREST CHARGED ON DIR DEP&CHK CASHADV 0.00
06/20 06/20 INTEREST CHARGED ON BANK CASH ADVANCES 0.00
TOTAL INTEREST CHARGED FOR THIS PERIOD $0.00

2019 Totals Year-to-Date

Total fees charged in 2019 $12.00

Total interest charged in 2019 $0.00

Page 3 of 10
MICHAEL L WELLER ! Account # 5524 3352 6631 7466 ! May 21 - June 20, 2019

Interest Charge Calculation

Your Annual Percentage Rate (APR) is the annual interest rate on your account.

Type of Annual Promotional Promotional Promotional Balance Interest

Balance Percentage Transaction Offer ID Rate End Subject to Charges by
Rate Type Date Interest Transaction
Rate Type

Purchases 16.99% V $ 0.00 $ 0.00

Balance Transfers 16.99% V $ 0.00 $ 0.00
Direct Deposit and Check Cash 23.24% V $ 0.00 $ 0.00
Advances
Bank Cash Advances 25.24% V $ 0.00 $ 0.00

APR Type Definitions Daily Interest Rate Type: V= Variable Rate (rate may vary)

Your Reward Summary

15.46 Base Cash Back Earned
Make the most of your
3.72 Category Bonus Earned
rewards program today!
545.47 Total Cash Back Available

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 1467
MICHAEL L WELLER Deposit or cash by 08/24/2019
120 CLAREWOOD DR
BALDWINSVILLE NY 13027-3109 Date 62-16

V O I D
311
Offer ID KV17-04572
Save on Interest
Pay To The
Order Of $ You have a low promotional
rate on your credit card to:
Dollars · Save money when you
Bank of America, N.A.
Charlotte, North Carolina
transfer higher rate balances
· Consolidate your bills and pay
For them off faster

A031100160A 93300182608769C 1467

· Get fast access to cash for
larger planned or unplanned
expenses, like home
improvements or car repairs

1468 Visit bankofamerica.com/bt to

transfer non-Bank of America
MICHAEL L WELLER Deposit or cash by 08/24/2019
120 CLAREWOOD DR balances or to deposit cash from
BALDWINSVILLE NY 13027-3109 Date 62-16 your card into your checking
account.

V O I D
311
Offer ID KV17-04572

Use these checks to pay other

Pay To The
Order Of $ individuals.à This offer does not
apply to card purchases.
Dollars
Bank of America, N.A.
Charlotte, North Carolina

For

A031100160A 93300182608769C 1468

Interest and Fee Information

APR for Check Cash Advances 0% Promotional APR through your statement Closing Date in July 2020. When
Promotional Offer ID KV17-04572 this Promotional APR ends, the APR for these promotional balances will
increase to a Check Cash Advance rate of 23.24%. This APR will vary with the
market based on the U.S. Prime Rate. This variable rate will remain in effect
indefinitely.

Use by Date Checks must be deposited or cashed by August 24, 2019 for the promotional
rate to apply. Any of these checks used after that date will be declined.

Fee 4% of the amount of each transaction (min. $10).

Paying Interest We will begin charging interest on these checks on the transaction date.
Your account was selected for the following promotional offer based on your account status as of June 19, 2019.§
Promotional Offer ID KV17-04572: The Promotional Annual Percentage Rate (Promotional APR) is 0% (.000000% Daily Periodic Rate ("DPR")). This promotional
offer applies to Balance Transfers, Direct Deposit Cash Advances and Check Cash Advances bearing this Offer ID (each an "eligible transaction"). Card purchases
are not eligible for this offer. This offer applies to eligible transactions posting to your account beginning June 24, 2019 through August 24, 2019. This Promotional
APR ends on your statement Closing Date in July 2020. When this Promotional APR ends, the APR for Balance Transfer promotional balances will increase to a rate
that varies with the market based on the U.S. Prime Rate; as of May 31, 2019, this APR is 16.99% (this variable rate will remain in effect indefinitely). When this
Promotional APR ends, the APR for Direct Deposit and Check Cash Advance promotional balances will increase to a rate that varies with the market based on the U.S.
Prime Rate; as of May 31, 2019, this APR is 23.24% (this variable rate will remain in effect indefinitely). Use of an attached check or draft will constitute a charge
against your credit account. The transaction date for each Check Cash Advance is the date you or the person to whom the check is made payable first deposits or
cashes the check.
The transaction fee for Balance Transfers, Direct Deposit Cash Advances and Check Cash Advances is 4% of the U.S. dollar amount of each transaction (min. $10).
Minimum Interest Charge $1.50.
This offer does not apply to your card purchases. If you make purchases while carrying a Balance Transfer, Direct Deposit Cash Advance or Check Cash Advance
balance, you'll immediately incur interest on those purchases, unless you have a 0% rate on purchases or you pay the entire account balance each month.
ৠSee Disclosures on Reverse side.