Customer Service Information:

www.bankofamerica.com
1.800.421.2110
Mail billing inquiries to:
P.O. BOX 15284
Bank of America
WILMINGTON, DE 19850
P.O. Box 982234
El Paso TX 79998-2234
Mail payment to:
Bank of America
P.O. Box 15019
Wilmington DE 19886-5019

ZARAYA CRIGHT
363 WORTMAN AVE APT 6F
BROOKLYN, NY 11207

April 20 - May 19, 2021

Account# 4400 6678 1726

Account Summary Payment Information

Previous Balance $12,311.29 New Balance Total $13,623.53

Payments and Other Credits -$1,124.79 Current Payment Due $136.00

Purchases and Adjustments $2,437.03

Total Minimum Payment Due $136.00
Fees Charged $0.00
Payment Due Date
Interest Charged $0.00 06/16/2021

New Balance Total Late Payment Warning: If we do not receive your Total Minimum
$13,623.53
Payment by the date listed above, you may have to pay a late fee of up to
Total Credit Line $14,000.00 $40.00 and your APRs may be increased up to the Penalty APR of 29.99%.
Total Credit Available $376.47 Total Minimum Payment Warning: If you make only the Total Minimum
Cash Credit Line $4,200.00 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 $376.47
If you make no additional You will payoff the And you will end up
Statement Closing Date 08/19/2021
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 24 years $32,007.00

Minimum Payment

$479.00 36 months $17,244.00

(Savings = $14,763.00)

If you would like information about credit counseling services, call

866.300.5238.

19 0136235300013600001124790004400667881581726

BANK OF AMERICA Account Number: 4400 6678 8158 1726

P.O. BOX 15019
WILMINGTON DE 19886-5019
New Balance Total $13,623.53

Total Minimum Payment Due $136.00

Payment Due Date 09/16/2021

Enter payment amount $

ZARAYA CRIGHT .

363 WORTMAN AVE APT 6F

BROOKLYN, NY 11207 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 19627881581726C
ZARAYA CRIGHT | Account # 4400 6678 8185 1726 | April 20 - May 19, 2021

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. 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.
© 2021 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 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
ZARAYA CRIGHT | Account # 4400 6678 8185 1726 | April 20 - May 19, 2021

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

Payments and Other Credits

VENUS.COM WWW.VENUS.COMFL 4456 1726 -27.70
04/28 04/29
CASH REWARDS STATEMENT CREDIT 6872 1726 -97.09
04/30 04/30
PAYMENT - THANK YOU 0471 1726 -1,000.00
05/06 05/06
TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD -$1,124.79

Purchases and Adjustments

SALEM CD SALEM NH 0230 1726 23.72
04/18 04/20
STOP & SHOP 0425 FALMOUTH MA 0708 1726 35.30
04/21 04/22
SHAWS OSCO 0603 EAST FALMOUTHMA 5590 1726 7.98
04/21 04/23
THE CHART ROOM CATAUMET MA 5647 1726 103.67
04/21 04/23
USPS PO 2488740574 WEST FALMOUTHMA 9969 1726 44.00
04/23 04/26
MCDONALD'S F1272 EAST FALMOUTHMA 7209 1726 11.87
04/25 04/26
STOP & SHOP 0425 FALMOUTH MA 4329 1726 32.00
04/25 04/27
PURITAN CAPE COD FALMOUTH MA 1507 1726 149.00
04/25 04/27
STOP & SHOP 0425 FALMOUTH MA 0532 1726 29.62
04/27 04/29
DOLLAR TREE FALMOUTH MA 8491 1726 4.25
04/29 04/30
OCEAN STATE 205 FALMOUTH MA 0172 1726 21.24
04/29 04/30
FALMOUTH GLASS AND MIRROREAST FALMOUTHMA 9976 1726 438.00
04/30 05/02
KAPPYS FINE WINE FALMOUTHFALMOUTH MA 5331 1726 14.99
04/30 05/02
PELHAM HOUSE RESORT DENNIS PORT MA 5807 1726 42.39
04/30 05/02
ARRIVAL DATE 07/30/21
THE PINK POLKA DOT FALMOUTH MA 2253 1726 9.03
04/30 05/02
TST* PG - 1143 - FALMOUTHFALMOUTH MA 0254 1726 54.08
05/02 05/02
JACK IN THE BEANSTALK FALMOUTH MA 0302 1726 36.10
05/01 05/03
VENUS.COM WWW.VENUS.COMFL 7474 1726 59.38
05/02 05/03
WEST FALMOUTH MARKET FALMOUTH MA 5905 1726 23.39
05/02 05/03
ESTIA FALMOUTH MA 2226 1726 90.97
05/02 05/04
VENUS.COM WWW.VENUS.COMFL 9718 1726 26.99
05/03 05/04
STOP & SHOP 0087 MASHPEE MA 8922 1726 17.49
05/03 05/04
WEST FALMOUTH MARKET FALMOUTH MA 7391 1726 36.08
05/03 05/04
VILLAGE TRADING COMPANY CATAUMET MA 6686 1726 52.06
05/03 05/04
SPEEDWAY 02443 EAST FALMOUTHMA 7383 1726 33.48
05/03 05/04
WEST FALMOUTH CITGO FALMOUTH MA 0996 1726 8.61
05/03 05/05
THE FABRIC LOFT HYANNIS MA 0033 1726 185.25
05/05 05/06
JOANN STORES #814 HYANNIS MA 0012 1726 41.10
05/05 05/06
TST* BUCATINO FALMOUTH MA 7548 1726 43.11
05/06 05/07
STOP & SHOP 0425 FALMOUTH MA 8157 1726 46.35
05/08 05/09
JOANN STORES #814 HYANNIS MA 8014 1726 39.34
05/09 05/10
STOP & SHOP 0425 FALMOUTH MA 7396 1726 39.11
05/10 05/11
MAHONEYS GARDEN CENTER FAE FALMOUTH MA 2651 1726 43.56
05/11 05/12
STOP & SHOP 0425 FALMOUTH MA 2681 1726 35.38
05/12 05/13
COLONIAL FILLING STATION FALMOUTH MA 6316 1726 35.92
05/12 05/13
WEST FALMOUTH MARKET FALMOUTH MA 8890 1726 21.39
05/12 05/13
LS *EASTMAN'S SPORTS FALMOUTH MA 6405 1726 97.68
05/12 05/13
BURGER KING #4485 BRIDGEWATER MA 0726 1726 4.27
05/12 05/13
GERALD M ROAN DMD FALMOUTH MA 0037 1726 116.00
05/12 05/14
THE FABRIC LOFT HYANNIS MA 0022 1726 41.28
05/13 05/14
JOANN STORES #814 HYANNIS MA 5017 1726 25.76
05/13 05/14
WEST FALMOUTH MARKET FALMOUTH MA 9811 1726 45.38
05/13 05/14
VENUS.COM WWW.VENUS.COMFL 8171 1726 29.69
05/16 05/17
STOP & SHOP 0425 FALMOUTH MA 4451 1726 41.65
05/16 05/17
LS *EASTMAN'S SPORTS FALMOUTH MA 2220 1726 13.38
05/16 05/17
WEST FALMOUTH MARKET FALMOUTH MA 0533 1726 30.27
05/17 05/18
VENUS.COM WWW.VENUS.COMFL 3965 1726 35.10
05/18 05/19
MCDONALD'S F4563 WOBURN MA 9572 1726 20.37
05/18 05/19
TOTAL PURCHASES AND ADJUSTMENTS FOR THIS PERIOD $2,437.03

Interest Charged
INTEREST CHARGED ON PURCHASES 0.00
05/19 05/19
INTEREST CHARGED ON BALANCE TRANSFERS 0.00
05/19 05/19 continued on next page...

Page 3 of 4
ZARAYA CRIGHT | Account # 4400 6678 8185 1726 | April 20 - May 19, 2021

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

Interest Charged
INTEREST CHARGED ON DIR DEP&CHK CASHADV 0.00
05/19 05/19
INTEREST CHARGED ON BANK CASH ADVANCES 0.00
05/19 05/19
TOTAL INTEREST CHARGED FOR THIS PERIOD $0.00

2021 Totals Year-to-Date

Total fees charged in 2021 $54.00

Total interest charged in 2021 $0.00

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 17.99% V $ 0.00 $ 0.00

Promotional APR 0.00% PUR, WT LW35-45209 12/19/2021 $ 13,082.87 $ 0.00
Balance Transfers 17.99% V $ 0.00 $ 0.00
Direct Deposit and Check Cash 20.99% V $ 0.00 $ 0.00
Advances
Bank Cash Advances 27.24% V $ 0.00 $ 0.00

APR Type Definitions Promotional Transaction Types: PUR = Purchase, WT = Non-Bank Wire Transfer; Daily Interest Rate Type: V= Variable Rate (rate
may vary); APR Type: Promotional APR (APR for limited time on eligible transactions)

Your Reward Summary

24.05 Base Cash Back Earned
Make the most of your
4.88 Category Bonus Earned
rewards program today!
97.09 Cash Back Redeemed

28.93 Total Cash Back Available

Page 4 of 4