EFTA00123630

Bank of America

Bank of America

CASH REWARDS
Visa Signature®

**Customer Service Information:**
www.bankofamerica.com
1.800.421.2110
TTY: 1.800.346.3178

<table><tr><td>Mail billing inquiries to:</td></tr><tr><td>Bank of America</td></tr><tr><td>P.O. Box 982234</td></tr><tr><td>EI Paso TX 79998-2234</td></tr></table>



# Mail payment to:

Bank of America

P.O. Box 15019

Wilmington DE 19886-5019

## Account Summary

January 6 - February 5, 2019

<table border="1"><tr><td>Previous Balance</td><td>$474.63</td></tr><tr><td>Payments and Other Credits</td><td>-$100.00</td></tr><tr><td>Purchases and Adjustments</td><td>$251.88</td></tr><tr><td>Fees Charged</td><td>$0.00</td></tr><tr><td>Interest Charged</td><td>$8.07</td></tr><tr><td>New Balance Total</td><td>$634.58</td></tr><tr><td>Total Credit Line</td><td>$13,000.00</td></tr><tr><td>Total Credit Available</td><td>$12,365.42</td></tr><tr><td>Cash Credit Line</td><td>$3,900.00</td></tr><tr><td>Portion of Credit Available for Cash</td><td>$3,900.00</td></tr><tr><td>Statement Closing Date</td><td>02/05/2019</td></tr><tr><td>Days in Billing Cycle</td><td>31</td></tr></table>

## Payment Information

<table border="1"><tr><td>New Balance Total</td><td>$634.58</td></tr><tr><td>Current Payment Due</td><td>$25.00</td></tr><tr><td>Total Minimum Payment Due</td><td>$25.00</td></tr><tr><td>Payment Due Date</td><td>03/02/2019</td></tr></table>

<table border="1"><tr><td>Late Payment Warning: If we do not receive your Total Minimum Payment by the date listed above, you may have to pay a late fee of up to $38.00 and your APRs may be increased up to the Penalty APR of 29.99%</td></tr><tr><td>Total Minimum Payment Warning: If you make only the Total Minimum Payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example:</td></tr></table>

<table border="1"><tr><td>If you make no additional charges using this card and each month you pay</td><td>You will payoff the balance shown on this statement in about</td><td>And you will end up paying an estimated total of</td></tr><tr><td>Only the Total Minimum Payment</td><td>3 years</td><td>$782.00</td></tr></table>

If you would like information about credit counseling services, call 866.300.5238.

BANK OF AMERICA

P.O. BOX 15019

WILMINGTON DE 19886-5019



<table border="1"><tr><td>New Balance Total</td><td>$634.58</td></tr><tr><td>Total Minimum Payment Due</td><td>$25.00</td></tr><tr><td>Payment Due Date</td><td>03/02/2019</td></tr></table>

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

EFTA00123631

January 6 - February 5, 2019



004 - 000 - 000 - 6




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.

## 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.

© 2019 Bank of America Corporation

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

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January 6 - February 5, 2019

Transactions

<table><thead><tr><th>Transaction Date</th><th>Posting Date</th><th>Description</th><th>Reference Number</th><th>Account Number</th><th>Amount</th><th>Total</th></tr></thead><tbody><tr><td rowspan="2">01/17</td><td rowspan="2">01/18</td><td colspan="5"><strong>Payments and Other Credits</strong></td></tr><tr><td>Online payment from CHK 2</td><td>6799</td><td></td><td>-100.00</td><td></td></tr><tr><td colspan="7"><strong>TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD</strong></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td>-$100.00</td></tr><tr><td colspan="7"><strong>Purchases and Adjustments</strong></td></tr><tr><td>01/09</td><td>01/10</td><td>RITE AID STORE - 3978 BROOKLYN NY</td><td>0810</td><td></td><td>7.63</td><td></td></tr><tr><td>01/12</td><td>01/14</td><td>GNC #02545 BROOKLYN NY</td><td>8685</td><td></td><td>110.89</td><td></td></tr><tr><td>01/15</td><td>01/16</td><td>RITE AID STORE - 10585 BROOKLYN NY</td><td>3918</td><td></td><td>5.83</td><td></td></tr><tr><td>01/17</td><td>01/19</td><td>VETERANS CANTEEN #527 BROOKLYN NY</td><td>2824</td><td></td><td>2.75</td><td></td></tr><tr><td>01/17</td><td>01/19</td><td>PEOPLES 99 CENTS DISCOUNTBROOKLYN NY</td><td>2327</td><td></td><td>5.00</td><td></td></tr><tr><td>01/18</td><td>01/19</td><td>RITE AID STORE - 3978 BROOKLYN NY</td><td>8610</td><td></td><td>10.00</td><td></td></tr><tr><td>01/19</td><td>01/21</td><td>RITE AID STORE - 3855 BROOKLYN NY</td><td>4118</td><td></td><td>21.76</td><td></td></tr><tr><td>01/21</td><td>01/22</td><td>RITE AID STORE - 3855 BROOKLYN NY</td><td>4446</td><td></td><td>4.39</td><td></td></tr><tr><td>01/30</td><td>01/31</td><td>NYCDOT PARKING METERS LONG IS CITY NY</td><td>0264</td><td></td><td>0.50</td><td></td></tr><tr><td>02/02</td><td>02/04</td><td>CHLOES RESTAURANT LOUNGE BROOKLYN NY</td><td>0240</td><td></td><td>49.72</td><td></td></tr><tr><td>02/02</td><td>02/04</td><td>CHLOES RESTAURANT LOUNGE BROOKLYN NY</td><td>0257</td><td></td><td>33.41</td><td></td></tr><tr><td colspan="7"><strong>TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD</strong></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td>$251.88</td></tr><tr><td colspan="7"><strong>Interest Charged</strong></td></tr><tr><td>02/05</td><td>02/05</td><td>INTEREST CHARGED ON PURCHASES</td><td></td><td></td><td>8.07</td><td></td></tr><tr><td>02/05</td><td>02/05</td><td>INTEREST CHARGED ON BALANCE TRANSFERS</td><td></td><td></td><td>0.00</td><td></td></tr><tr><td>02/05</td><td>02/05</td><td>INTEREST CHARGED ON DIR DEP&amp;CHK CASHADV</td><td></td><td></td><td>0.00</td><td></td></tr><tr><td>02/05</td><td>02/05</td><td>INTEREST CHARGED ON BANK CASH ADVANCES</td><td></td><td></td><td>0.00</td><td></td></tr><tr><td colspan="7"><strong>TOTAL INTEREST CHARGED FOR THIS PERIOD</strong></td></tr></tbody></table>

<table border="1"><tr><td colspan="2">2019 Totals Year-to-Date</td></tr><tr><td>Total fees charged in 2019</td><td>$0.00</td></tr><tr><td>Total interest charged in 2019</td><td>$14.82</td></tr></table>

## Interest Charge Calculation

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

<table border="1"><tr><td>Type of Balance</td><td>Annual Percentage Rate</td><td>Promotional Transaction Type</td><td>Promotional Offer ID</td><td>Promotional Rate End Date</td><td colspan="2">Balance Subject to Interest Rate</td><td colspan="2">Interest Charges by Transaction Type</td></tr><tr><td>Purchases</td><td>17.24%V</td><td></td><td></td><td></td><td>$</td><td>551.21</td><td>$</td><td>8.07</td></tr><tr><td>Balance Transfers</td><td>17.24%V</td><td></td><td></td><td></td><td>$</td><td>0.00</td><td>$</td><td>0.00</td></tr><tr><td>Direct Deposit and Check Cash Advances</td><td>20.24%V</td><td></td><td></td><td></td><td>$</td><td>0.00</td><td>$</td><td>0.00</td></tr><tr><td>Bank Cash Advances</td><td>27.24%V</td><td></td><td></td><td></td><td>$</td><td>0.00</td><td>$</td><td>0.00</td></tr></table>

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

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EFTA00123633

January 6 - February 5, 2019

Your Reward Summary

<table border="1"><tr><td>2.53</td><td>Base Cash Back Earned</td></tr><tr><td>15.29</td><td>Relationship Bonus Earned</td></tr><tr><td>1.11</td><td>Other Bonus Earned</td></tr><tr><td>35.65</td><td>Total Cash Back Available</td></tr></table>

Make the most of your rewards program today!

## 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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EFTA00123636







Save on Interest


- Consolidate your bills and pay them off faster

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

- Save money when you transfer higher rate balances

You have a low promotional rate on your credit card to:

Visit bankofamerica.com/bt or call 1.888.515.3308 to transfer non-Bank of America balances or to deposit cash from your card into your checking account.

Use these checks to pay other individuals. This offer does not apply to card purchases.

<table border="1"><tr><td colspan="2">Interest and Fee Information</td></tr><tr><td>APR for Check Cash Advances Promotional Offer ID KV03-23974</td><td>0% Promotional APR through your statement Closing Date in January 2020. When this Promotional APR ends, the APR for these promotional balances will increase to a Check Cash Advance rate of 20.24%. This APR will vary with the market based on the U.S. Prime Rate.</td></tr><tr><td>Use by Date</td><td>Checks must be deposited or cashed by April 8, 2019 for the promotional rate to apply. Any of these checks used after that date will be declined.</td></tr><tr><td>Fee</td><td>3% of the amount of each transaction(min. $10).</td></tr><tr><td>Paying Interest</td><td>We will begin charging interest on these checks on the transaction date.</td></tr></table>

Your account was selected for the following promotional offer based on your account status as of February 1, 2019.$

Promotional Offer ID KV03-23974: 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 February 8, 2019 through April 8, 2019. This Promotional APR ends on your statement Closing Date in January 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 January 31, 2019, this APR is 17.24%. 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 January 31, 2019, this APR is 20.24%. 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 3% of the U.S. dollar amount of each transaction (min. $10). Minimum Interest Charge $1.50.

If you take advantage of this promotional offer, you will be charged interest on purchases made with your credit card. For example, if you transfer $2,000 with this offer and carry this balance, and then use this credit card to make a $500 purchase, your $500 purchase will be charged interest.



◇§ See Disclosures on Reverse side.



EFTA00123637

§ A promotional Annual Percentage Rate (APR) offer may be assigned and applied to your account at various times within a given billing cycle. If you are selected for a promotional offer, the selection will be based on your account status as of that date.

Promotional Offers: From time to time, we may make Promotional Offers on certain Balance Transfers, Cash Advances and Purchases. Promotional Offers may include limited-time introductory or promotional APRs that are lower than the non-promotional APRs for those features and may be subject to other conditions. Promotional Offers may include limited-time transaction fees, which may be lower than the standard fees provided in your Credit Card Agreement.

Your account must be open with active charging privileges at the time a transaction is processed and you must have sufficient available credit to cover the amount of the transaction and any related fees. There is no grace period for Cash Advances. Interest accrues from the transaction date. 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 Average Balance Method (including new Cash Advances) as described in your Credit Card Agreement (and on your periodic statement) is used to compute your balance subject to interest rate for Cash Advances and Promotional Offer balances consisting of Cash Advances.



You may not use this account to make a payment on this or any other credit account or loan issued by Bank of America, N.A. or its affiliates. Use of these checks as repayment will result in a Returned Payment Fee as described in your Agreement.



Non-promotional APRs are subject to change in accordance with the terms of your Agreement, as may be amended (including APR amendments, if any, accompanying this billing statement). These changes may increase your non-promotional APRs. Cash Advances are subject to authorization by Bank of America, N.A.

# ORIGINAL DOCUMENT

Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first. Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs.

<table border="1"><tr><td>DO NOT WRITE, STAMP OR SIGN BELOW THIS LINE</td></tr><tr><td>RESERVED FOR FINANCIAL INSTITUTION USE</td></tr></table>

# ORIGINAL DOCUMENT



DO NOT WRITE, STAMP OR SIGN BELOW THIS LINE

RESERVED FOR FINANCIAL INSTITUTION USE*


## Answers to some questions you may have

Q. Is there a fee to take advantage of an offer?

A. Yes, a transaction fee typically applies (check your offer details). But note that you could still save money on interest with a low rate, even after the fee. If you have questions regarding how much you could save, give us a call.

Q. If I use a promotional offer, how will my payments be applied?

A. Your card comes with different rates for purchases, balance transfers, direct deposits and checks. Your minimum payment amount will be applied to the lowest rate balance. If you pay more than the minimum, the additional amount will be applied to your higher rate balances.

Q. What happens if I still have a balance when my promotional rate ends?

A. When the promotional period ends, any remaining balances will be charged the appropriate rate for the type of transaction. Please note, if you use a check to transfer a balance, you might pay a higher rate on any remaining balance after the promotional period ends. Check your statement for current rates.

Q. After I transfer a balance, do I need to continue to make payments to my other lender?

A. Yes, because transfer times vary. To avoid any fees or other charges, you should continue to make at least the minimum monthly payment until you see the transfer amount credited to your other account.

Q. Can I use the available credit on my card to transfer cash to my checking account?

A. Yes. The direct deposit feature lets you get cash from your card. Simply go online or call us.

Q. Are the enclosed checks protected against fraud?

A. Yes. You're not responsible for fraudulent use of these checks.

This credit card program is issued and administered by Bank of America, N.A.
American Express is a federally registered service mark of American Express, and is used by the issuer pursuant to a license. Mastercard and World Mastercard are registered trademarks of Mastercard International Incorporated and are used by the issuer pursuant to license. Visa and Visa Signature are registered trademarks of Visa International Service Association, and are used by the issuer pursuant to license from Visa U.S.A., Inc.

©2018 Bank of America Corporation



INS-06-18-0422.A