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Account Number XXXX XXXX XXXX 8255

SUMMARY OF ACCOUNT ACTIVITY
February 22, 2025 - March 21, 2025
Previous Balance $0.00
PAYMENT INFORMATION Payments - $0.00
Other Credits - $0.00
New Balance $647.27 Purchases and Adjustments + $20.00
Balance Transfers + $0.00
Minimum Payment Due $15.00 Cash Advances + $588.00
Payment Due Date 04/18/2025 Fees Charged + $36.20
Late Payment Warning: Interest Charged + $3.07
If we do not receive your minimum payment by the date listed above, you may have New Balance $647.27
to pay a late fee up to $41.00. Statement End Date March 21, 2025
Days in Billing Cycle 28
Minimum Payment Warning:
If you make only the minimum payment each period, you will pay more in interest
and it will take you longer to pay off your balance. For example: CREDIT LINE SUMMARY
Total Credit Line $4,000.00
If you make no You will pay off the
And you will end up Credit Line for Cash $800.00
additional charges using balance shown on
this card and each this statement in
paying an estimated Total Available Credit $3,352.73
total of ...
month you pay ... about ... Available Credit for Cash $212.00

Only the Minimum

8 years $1,532.00
Payment REWARDS SUMMARY
$972.00 Previous Balance 0
$27.00 3 years
(Savings = $560.00) Earned + 20
If you would like information about credit counseling services, Redeemed - 0
call 844-471-0708. Other Adjustments + 0
Current Balance = 20

Reminder: A fee may be charged to your account each month for mailed paper statements (see your Cardmember
Agreement for details.) You can avoid the fee by enrolling in paperless statements on MercuryCards.com or on the
Mercury Cards App.

Pay Online, Mobile, Phone or Mail

Online Mobile App Phone Mail

www.mercurycards.com In your favorite 866-686-2158 PO BOX 70168
app store Philadelphia PA 19176-0168

For correspondence only: Customer Service, PO BOX 84064, Columbus GA 31908-4064

Please tear at perforation and make payment payable to Card Services. SEE REVERSE FOR IMPORTANT INFORMATION.

Account Ending 8255

CARD SERVICES New Balance $647.27
PO BOX 84064
COLUMBUS GA 31908-4064 Minimum Payment Due $15.00
Payment Due Date 04/18/25
Check here for any address changes and
indicate any changes on reverse. Amount Enclosed

HEIDI BOYD CARD SERVICES

** 0092706 Payment
APT 305 PO BOX 70168
To
501 E PIONEER PKWY PHILADELPHIA PA 19176-0168
GRAND PRAIRIE TX 75051-4904

041825 002019532411IIII 0000064727 0001500 0000000 3

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Heidi Boyd Closing Date 03/21/2025

Payments: You may pay all or part of your Account balance, at any time. However, you must pay at least the Minimum Payment Due by the Payment
Due Date each Billing Period. We cannot accept wire transfers or payments that are electronically transmitted directly to us using our bank routing
number. If you are enrolled in automatic payments, we reserve the right to cancel enrollment without prior notice. Please do not send post-dated checks
as they will be deposited upon receipt. Late payments, partial payments or payments marked “payment in full” or with any other restrictive endorsement
can be accepted by us without losing any of our rights under your Cardmember Agreement. We may re-present to your financial institution any payment
that is returned unpaid. We may delay increasing your available credit by the amount of any payment that we receive for up to 10 Business Days.
Business Day means Monday through Friday, excluding federal holidays.
When Your Mailed Payment Will be Credited. If we receive your mailed payment in proper form at the proper address by 5 p.m. Eastern Time, it will
be credited as of that day. A payment received there in proper form after that time will be credited as of the next day. If the payment due date falls on a
day when we do not receive or accept payments, the payment will not be treated as late if it is credited the next day. Allow at least 7 days for payments
by regular mail to reach us. There may be a delay of up to 5 days in crediting a payment we receive that is not in proper form or not sent to the correct
address. The correct address for regular mail is the 'Payment to' address on the front of the payment remittance slip. The correct address for express
mail is Lockbox Services, Box #70168, 400 White Clay Center Dr, Newark, DE 19711.
Proper Form: For a payment sent by regular or express mail, proper form is a single check or money order, in U.S. dollars, drawn on a U.S. institution,
with a single payment remittance slip from your billing statement. Include your name and the last four digits of your Account number. Unless sent by
express mail, please use the envelope we provided. No cash or foreign currency. No staples or paper clips. No extra pieces of paper.
Payment online, by phone or mobile: Payments made through our website, www.mercurycards.com, through thephone number shown on the front
of your statement or through our mobile app and completed by midnight Eastern Time, will be credited as of that day. Otherwise, it will be credited on
the next day.
Electronic Check Conversion: When you provide a check as payment on this Account, you authorize us to use information from your check to make a
one-time electronic fund transfer from your bank account or to process the payment as a check transaction. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your bank account on the same day we receive your payment, and you will not receive
your check back from your financial institution.
How to Avoid Paying Interest on Purchases: You will not be charged interest on Purchases if you pay the New Balance in full by the Payment Due
Date each month (interest free period, also called Grace Period). If you don't pay your New Balance in full by the Payment Due Date in a Billing Period,
you'll pay interest on existing Purchases, and new Purchases in that billing period, from the date they post to your Account, subject to applicable law.
You can regain the benefit of the interest-free period by paying your New Balance by the Payment Due Date. After you enter an interest-free period
again, interest charges on Purchases may still appear on your next billing statement. This reflects interest charged from the beginning of that billing
cycle through the date that your payment for the prior billing statement was received. Balance Transfers, Checks and Cash Advances do not have an
interest-free period and if these balances are not paid in full by paying your New Balance by the due date, you will lose your interest-free period on new
Purchases .

How We Calculate Interest: We calculate interest separately for each different balance. Your billing statement shows each balance in the “Balance
Subject to Interest Rate.” We use the “Daily Balance Method (including Current Transactions).” For each balance, to determine a daily balance, we
start with the beginning balance each day. The beginning balance for the first day of the Billing Period is the balance at the end of the prior Billing
Period. Each day, we add any new transactions and fees; subtract any payments or credits applied to that balance; and make other adjustments. We
add Balance Transfer fees to the applicable Balance Transfer balance. We add Cash Advance Fees to the applicable Cash Advance balance. We
generally add other fees to the standard Purchase balance.We add any interest calculated on the previous day's balance. (This means interest is
compounded daily). A credit balance is treated as a balance of zero. This gives us the daily balance. We multiply each daily balance by the applicable
daily periodic rate. We do this for each day in the billing period. The Balance Subject to Interest Rate is the average of the daily balances.

Change of Address : If the information on the front of this statement is incorrect, please provide updated information:
Please call us for any address change requests outside of the United States, including the US territories.

Name :

Address :

City: State: Zip:

Home Phone Work Phone Cell Phone

Number: Number: Number:

By giving us your telephone number, you authorize us and our service providers to contact you at that number regarding your account. Your consent allows
contact by text messaging, artificial or prerecorded voice messages and automatic dialing technology for periodic informational and service calls. These
communications may be monitored or recorded. Message and data rates may apply. You can opt out of text messaging by responding “STOP.” If you have
any questions regarding privacy, please read our Privacy Notice.
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Heidi Boyd Closing Date 03/21/2025

NEW TRANSACTIONS

Post Trans Reference

Date Date Description of Transactions Number Amount
Heidi Boyd XXXX XXXX XXXX 9398 Total Activity $608.00
02/28 02/27 Walgreens #7592 Grand Prairie TX 20988945 $20.00
03/12 03/11 Kroger 313 E Pioneer Pk Grand Prairie TX 13260458 $104.00
03/18 03/17 Kroger 313 E Pioneer Pk Grand Prairie TX 03473123 $484.00

FEES
03/12 03/12 Cash Advance Fee $10.00
03/18 03/18 Cash Advance Fee $24.20
03/21 03/21 Paper Statement Fee $2.00
Total Fees for this Period $36.20

INTEREST CHARGED
03/21 03/21 Interest Charge-Cash Advance $3.07
Total Interest for this Period $3.07

2025 TOTALS YEAR-TO-DATE

Total Fees charged in 2025 $36.20
Total Interest charged in 2025 $3.07

INTEREST CHARGE CALCULATION

Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Type of Balance Annual Percentage Balance Subject Interest Charge
Rate (APR) to Interest Rate
Purchase 29.74% (v) $0.00 $0.00
Balance Transfer 29.74% (v) $0.00 $0.00
Cash Advance 29.74% (v) $134.63 $3.07
(v) = variable rate

Enroll in Easy Pay to ensure your payment is made by the due date each month. Simply log in to www.mercurycards.com
and select Set Up Easy Pay to enroll today.
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Heidi Boyd Closing Date 03/21/2025

Variable rates: vary with the market based on the Prime Rate.
Credit Reporting: We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account
may be reflected in your credit report. If you think we reported inaccurate information to a credit bureau, write to us Card Services - Dispute Resolution, PO
Box 84064, Columbus, GA 31908-4064.
How to Report a Lost or Stolen Card: Call customer service at 866-686-2158.
What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at Card Services - Dispute Resolution, PO Box 84064, Columbus, GA 31908-4064.
In your letter, give us the following information:
· Account information: Your name and Account number.
· Dollar amount: The dollar amount of the suspected error.
· Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have
to pay the amount in question.

While we investigate whether or not there has been an error,the following are true:
· We cannot try to collect the amount in question, or report you as delinquent on that amount.
· The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made
a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.
· While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
· We can apply any unpaid amount against your credit limit.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with
the merchant, you may have the right not to pay the remaining amount due on the Purchase.

To use this right, all of the following must be true:

1. The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the Purchase price must have been
more than $50. (Note: Neither of these is necessary if your Purchase was based on an advertisement we mailed to you, or if we own the company that
sold you the goods or services.)
2. You must have used your credit card for the Purchase. Purchases made with Cash Advances from an ATM or with a Check that accesses your credit
card Account do not qualify.
3. You must not yet have fully paid for the Purchase.

If all of the criteria above are met and you are still dissatisfied with the Purchase, contact usin writing at Card Services - Dispute Resolution, PO Box
84064, Columbus, GA 31908-4064.

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that
point, if we think you owe an amount and you do not pay we may report you as delinquent.

Customer Service Address: Card Services, PO Box 84064, Columbus, GA 31908-4064.