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
SUJAL KANTI DAS
Wilmington DE 19886-5019
3628 BARCROFT VIEW TER APT 204
FALLS CHURCH VA 22041-1589

December 5 - January 4, 2018

Account# 4400 6603 0532 8295

Account Summary Payment Information

Previous Balance $3,767.60 New Balance Total $3,734.18

Payments and Other Credits -$110.00 Current Payment Due $113.00

Purchases and Adjustments $0.00

Fees Charged $0.00 Total Minimum Payment Due $113.00

Interest Charged $76.58 Payment Due Date 02/01/2018

New Balance Total $3,734.18 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 $4,400.00 $38.00 and your APRs may be increased up to the Penalty APR of 29.99%.
Total Credit Available $665.82
Total Minimum Payment Warning: If you make only the Total Minimum
Cash Credit Line $1,320.00
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 $665.82
If you make no additional You will payoff the And you will end up
Statement Closing Date 01/04/2018
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 17 years $10,150.00

Minimum Payment

$147.00 36 months $5,292.00

(Savings = $4,858.00)

If you would like information about credit counseling services, call

866.300.5238.

04 0037341800011300000110000004400660305328295

BANK OF AMERICA Account Number: 4400 6603 0532 8295

P.O. BOX 15019
WILMINGTON DE 19886-5019
New Balance Total $3,734.18

Total Minimum Payment Due $113.00

Payment Due Date 02/01/2018

SUJAL KANTI DAS Enter payment amount $ .

3628 BARCROFT VIEW TER APT 204
FALLS CHURCH VA 22041-1589
Check here for a change of mailing address or phone numbers.
Please provide all corrections on the reverse side.
Mail this coupon along with your check payable to: Bank of America

A524022250A 19620305328295C
SUJAL KANTI DAS ! Account # 4400 6603 0532 8295 ! December 5 - January 4, 2018

004 - 000 - 000 - G

IMPORTANT INFORMATION ABOUT THIS ACCOUNT

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

PAYMENTS - We credit mailed payments as of the date received, if the payment is: If your billing address or contact information has changed, or if your address is
(1) received by 5 p.m. local time at the address shown on the remittance portion of your incorrect as it appears on this bill, please provide all corrections here.
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 Address 1
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. Address 2
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). City
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 State Zip
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 Area Code &
same day we receive your payment. Checks are not returned to you. For more information Home Phone
or to stop the electronic funds transfers, call us at the number listed on the front.
If you have authorized us to pay your credit card bill automatically from your savings or Area Code &
checking account with us, you can stop the payment on any amount you think is wrong. To Work Phone
stop payment, your letter must reach us at least three business days before the automatic
payment is scheduled to occur.
SUJAL KANTI DAS ! Account # 4400 6603 0532 8295 ! December 5 - January 4, 2018

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

Payments and Other Credits

12/12 12/13 PAYMENT - THANK YOU 4545 8295 -110.00
TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD -$110.00

Interest Charged
01/04 01/04 INTEREST CHARGED ON PURCHASES 76.58
01/04 01/04 INTEREST CHARGED ON BALANCE TRANSFERS 0.00
01/04 01/04 INTEREST CHARGED ON DIR DEP&CHK CASHADV 0.00
01/04 01/04 INTEREST CHARGED ON BANK CASH ADVANCES 0.00
TOTAL INTEREST CHARGED FOR THIS PERIOD $76.58

2018 Totals Year-to-Date

Total fees charged in 2018 $0.00

Total interest charged in 2018 $76.58

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 24.24% V $ 3,719.55 $ 76.58

Balance Transfers 24.24% V $ 0.00 $ 0.00
Direct Deposit and Check Cash 24.24% V $ 0.00 $ 0.00
Advances
Bank Cash Advances 26.24% V $ 0.00 $ 0.00

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

Your Reward Summary

.00 BASE EARNED THIS MONTH
Make the most of your
55.18 TOTAL AVAILABLE
rewards program today!
VISIT BANKOFAMERICA.COM

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SUJAL KANTI DAS ! Account # 4400 6603 0532 8295 ! December 5 - January 4, 2018

Additional Information
Need to dispute a transaction? For the fastest dispute resolution, please contact the merchant. If unsuccessful, simply file a dispute online
www.bankofamerica.com. Select your credit card account, click the "Information & Services" tab and then select the "Dispute a transaction"
link under the "Services" section.

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