HomeMy WebLinkAbout12-1119COMMONWEALTH OF PENNSYLVANIA
COURT OF COMMON PLEAS
9 t hJudicial District, County Of Cumberland
NOTICE OF APPEAL
FROM
MAGISTERIAL DISTRICT JUDGE JUDGMENT
7 ?idtL ?i9?
COMMON PLEAS No. 4P - 8-/
NOTICE OF APPEAL
Notice is given that the appellant has filed in the above Court of Common Pleas an appeal from the judgment rendered by the Magisterial District
Judge on the date and in the case referenced below.
NAME OF APPELLANT MAG. DIST NO. NAME OF MDJ
MICHELE A. RICgRD 09-1-02 ELIZABETH S. BECKLEY
ADDRESS OF APPELLANT CITY STATE ZIP CODE
400 SOUTH THIRD STREET, APT. #1 LEMOYNE PA 17043
uNi c ur .iuuum=rv i IN i ht t;n5t Ur (riaintin) (Defendant)
2-9-2012 FIA CARD SERVICES, N.A v. MICHELE A. RI D
DOCKET No. SIG RE OF APPELLANT OR A QRNEY OR NT
MJ-09102-CV-0000244-2011
This block will be signed ONLY when this notation is required under Pa.
R.C.P.D. J. No. 1008B.
This Notice of Appeal, when received by the Magisterial District Judge, will
operate as a SUPERSEDEAS to the judgment for possession in this case.
was
action
before a Magisterial District Judge, A COMPLAINT MUST BE FILED
within twenty
(20) days after filing the NOTICE of APPEAL.
Signature of Prothonotary or Deputy
PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE
This section of form to be used ONLY when appellant was DEFENDANT (see Pa. R.C.P.D.J. No. 1001(7) in action before Magisterial District
Judge. IF NOT USED, detach from copy of notice of appeal to be served upon appellee.
PRAECIPE: To Prothonotary
Enter rule upon P T A CARP SERVICES- , N.A. appellee(s), to file a complaint in this appeal
Name of appellee(s)
(Common Pleas No. !A- t/o ) within twenty (20) days after service of
RULE: To FIA CARD SERVICES, NapOellee(s)
Name of appellee(s)
OWNER
(1) You are notified that a rule is hereby entered upon you to file a complaint in this appeal within twenty (20) days after the date of service
of this rule upon you by personal service or by certified or registered mail.
(2) If you do not file a`complaint within this time JUDGMENT OF NON PROS MAY BE ENTERED AGAINST YOU.
(3) The date of service of this rule if service was by mail is the date of the mailing.
Date -lp .2.2 , 20 ,
Signature of Prothonotary or Deputy
YOU MUST INCLUDE A COPY OFTHE NOTICE OF JUDGMENTITRANSCRIPT FORM WITH THIS NOTICE OF APPEAL.L
AOPC 312-05 COURT FILE TO BE FILED WITH PROTHONOTARY
r-
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND Notice of Judgment/Transcript CIVIC
Case
Mag. Dist. No: MDJ-09-1-02
MDJ Name: Honorable Elizabeth S. Beckley
Address: 1901 State Street
Camp Hill, PA 17011
Telephone: 717-761-0583
Michele A Ricard
450 S 3rd St
Lemoyne, PA 17043
Disposition Summary
Docket No
MJ-09102-CV-0000244-2011
Judgment Summary
Participant
Fia Card Services N.A.
Michele A Ricard
Plaintiff Defendant
Fia Card Services N.A. Michele A Ricard
Joint/Several Liability Individual Liability
$0.00 $0.00
$0.00 $12,101.69
Judgment Detail (*Post Judgment)
In the matter of Fia Card Services N.A. vs
judgment was awarded as follows:
Fia Card Services N.A.
V.
Michele A Ricard
Docket No: MJ-09102-CV-0000244-2011
Case Filed: 9/19/2011
Disposition Disposition Date
Default Judgment for Plaintiff 02/09/2012
Amount
$0.00
$12,101.69
Michele A Ricard on 2/09/2012 the disposition is Default Judgment for Plaintiff and
Judgment Component Joint/Several Liability Individual Liability Deposit Applied Amount
Civil Judgment $0.00 $11,917.95
Filing Fees $0.00 $11,917.95
$183.74 $183.74
Grand Total: $12,101.69
ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH
THE PROTHONOTARY/CLERK OF COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF
JUDGMENT/TRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL.
EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES, IF THE JUDGMENT
HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE
COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE MAGISTERIAL DISTRICT JUDGE.
UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A
REQUEST FOR ENTRY OF SATISFACTION WITH THE MAGISTERIAL DISTRICT JUDGE IF THE JUDGMENT DEBTOR PAYS IN FULL, SETTLES,
OR OTHERWISE COMPLIES WITH THE JUDGMENT.
ce
is is a
FEB092012
Date
copy o t e recor o t e pro
Date
Elizabeth S. Beckley
ngs containing t e lu grr
Elizabeth S. Beckley
H
MDJS 315 -
Page 1 of 2 Printed: 02/10/2012 1:58:56PM
Fia Card Services N.A.
V.
Michele A Ricard
Private(s)
Participant List
Attorney Michael F. Ratchford, Esq.
Edwin A. Abrahamsen & Associates, PC
120 North Keyser Ave.
Scranton, PA 18504
Plaintiff(s)
Fia Card Services N.A.
C/O Edwin A Abrahamsen
120 N. Keyser Ave.
Scranton, PA 18504
Defendant(s)
Michele A Ricard
450 S 3rd St
Lemoyne, PA 17043
Docket No.: MJ-09102-CV-0000244-2011
MDJS 315 _
Page 2 of 2 Printed: 02/10/2012 1:58:56PM
IL ED-OFFICE
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COURT OF COMMON PLEAS
9 t bJudicial District, County Of a (F 5 , ....
NOTM9 OF APPEAL
FROM
MAGISTERIAL DISTRICT JUDGE JUDGMENT
COMMON PLEAS No. r -;
NOTICE OF APPEAL
Notice is given that the appellant has filed in the above Court of Common Pleas an appeal from the judgment rendered by the Magisterial District
Judge on the date and in the case referenced below.
NAME OF APPELLANT + MAG DIST NO NAME OF MDJ
ADDRESS OF APPELLANT CITY
f STATE ZIP CODE
DATE OF JUDGMENT IN THE CASE OF (Plaintiff) (Defendant)
:) C) 1. 2
. ,
Ek ro.? a
DOCKET No. SIG A URE OF APPELLANT OR ATtORNFY nR Ar;FNT
This block will be signed ONLY when this notation is required under Pa. If appellent was Claimant (see Pa. R.C.P.D. J. No. 1001(6) in action
R.C.RD. J. No. 10086.
This Notice of Appeal, when received by the Magisterial District Judge, will before a Magisterial District Judge, A COMPLAINT MUST BE FILED
operate as a SUPERSEDEAS to the judgment for possession in this case. within twenty
(20) days after filing the NOTICE of APPEAL.
Signature of Prothonotary or Deputy
PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE
This section of form to be used ONLY when appellant was DEFENDANT (see Pa. R.C.P.D.J. No. 1001(7) in action before Magisterial District
Judge. IF NOT USED, detach from copy of notice of appeal to be served upon appellee.
PRAECIPE: To Prothonotary
Enter rule upon appeiiee(s), to file a complaint in this appeal
Name of appel/ee(s)
(Common Pleas No. Y ) within twenty (20) days after service of rule or suffer entry of judgment of non pros.
Si?ature of appellant or attorney or agent
RULE: To Z ap"lee(s)
Name of appellees)
OWNER
(1) You are notified that a rule is hereby entered upon you to file a complaint in this appeal within twenty (20) days after the date of service
of this ruleMupon you by personal service or by certified or registered mail.
(441l'ypu do not fit9,,a complaint within this time JUDGMENT OF NON PROS MAY BE ENTERED AGAINST YOU.
(3)e.datef seir?ce of this rule if service was by mail is the date of the mailing.
Date ? ti.% t FS__
All
Signature of Prothonotary or Deputy
YOU MUST INCLUDE A COPY OF THE NOTICE OF JUDGMENTITRANSCRIPT FORM WITH THIS NOTICE OF APPEAL;'
AOPC 312-05
COURT FILE
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMEERL,AND
Notice of Judgment/Transcript CiO
.? t . Case
Mag Dist No MDJ-09-1-02
MDJ Name Honorable Elizabeth S Beckley
Address 1901 State Street
Camp Hill, PA 17011
Telephone 717 761-0583
Michele A Ricard
450 S 3rd St
Lemoyne PA 17043
Disposition Summary
Fla Card Services N.A
V
Michele A Ricard
Docket No. MJ-09102-CV-0000244-2011
Case Filed 9/1 x!2011
Docket No Plaintiff Defendant Disposition Disposition Date
MJ 09102 CV-0000244-201 1 Fia Card Services N A Michele P Prard Default Judgment fo- Plaintiff 02/0920
Juclgme-tf nUM?F ,?,..,...
Participant Joint/Several Liability mclivlauas L-cabitlit-, A,Mount
ar ?F _. W f\ 80 C0 crr'. r.
00 00
,, _nP F So n,c
Oudgment Detail '-PostJuctgmenC
hF F" _ 3rd ?erviCes MIChe!e G
?Lidgment Component jointJSeveral Liability wialvidua i Liability Deposit Appited Amount
J.irlamen 50 00 91 95
SO 00 n 'a 8183 74
Grand Total: $12,101.69
ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH
THE PROTHONOTARY/CLERK OF COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF
JUDGMENTITRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL.
EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES, IF THE JUDGMENT
HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE
COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE MAGISTERIAL DISTRICT JUDGE.
UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A
REQUEST FOR ENTRY OF SATISFACTION WITH THE MAGISTERIAL DISTRICT JUDGE IF THE JUDGMENT DEBTOR PAYS IN FULL, SETTLES.
OR OTHERWISE COMPLIES WITH THE JUDGMENT.
FEB 0 9 2011
Date
Elizabeth S Becklev
I certify that this is a true and correct copy of the record o the proceedings containing the judgment
Date Elizabeth S Beckley
MDJS 315 Page 1 of 2 Pr.nted 0211012012 158 56PM
Postal
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IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
_.p r?
FIA CARD SERVICES, N.A.,'
CIVIL DIVISION
Plaintiff_
.
VS.
c o . MICHELE A RICARD, NO: 12-1.119
Defendant
CERTIFICATE OF SERVICE
I, Michael F. Ratchford, Esquire, hereby certify that I caused a true and correct copy of
Plaintiff's Complaint was served via first class United States Mail, postage prepaid on the date
set forth below upon the following:
Anthony T. McBeth
407 N FRONT ST FL 1
HARRISBURG, PA 17101
Edwin A. Abrahamsen & Associates, P.C.
Date: March 2, 2012
may://i`V ff/It/V V. ,
-lvlilhael F.' Ratchford, Esquire
Kevin J. Cummings, Esquire
Attorney I.D. Nos.: 86285/209 60
120 N Keyser Avenue
Scranton, PA 18504
(570) 558-5510 j
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
FIA CARD SERVICES, N.A.
655 PAPERMILL ROAD
NEWARK, DE 19711
VS.
MICHELE A RICARD
450 S 3RD ST APT 1
LEMOYNE PA 17043-2003
Plaintiff
Defendant
CIVIL ACTION
: NO: CV-244-11
NOTICE TO DEFEND
77
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You have been sued in court. If you wish to defend against the claims set forth in the
o-'
following pages, you must take action within twenty (20) days after this Complaint and Notice to
Defend are served, by entering a written appearance personally or by an attorney and filing in
writing with the court your defenses or objections to the claims set forth against you. You are
warned that if you fail to do so the case may proceed without you and a judgment may be entered
against you by the court without further notice for any money claimed in the Complaint or for any
other claim or relief requested by the plaintiff. You may lose money or property or other rights
important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ON AGENCIES "CHAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT REDUCED FEE OR NO FEE.
MIDPENN LEGAL SERVICES
401 EAST LOUTHER STREET
CARLISLE, PA 17013
717-243-9400
I
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
FIA CARD SERVICES, N.A.
655 PAPERMILL ROAD CIVIL ACTION
NEWARK, DE 19711
Plaintiff
vs.
MICHELE A RICARD
450 S 3RD ST APT 1
LEMOYNE PA 17043-2003
Defendant
NO: CV-244-11
MA':
COMPLAINT
Plaintiff, FIA CARD SERVICES, N.A. , by and through its attorneys, Edwin A.
Abrahamsen & Associates, P.C., complains of the Defendant as follows:
1. Plaintiff, FIA Card Services, N.A. , (hereinafter "Plaintiff') is a. corporation with a
principal place of business located at 655 Papermill Rd Newark, DE 19711
2. The Defendant Michele A Ricard (hereinafter "Defendant") is an adult individual
residing at 450 S 3rd St Apt 1 Lemoyne PA 17043-2003.
3. At all relevant times herein, Plaintiff was engaged in the business of debt purchase
and collection.
4. Defendant applied for and received a credit card issued by FIA Card Services,
N.A. with the account number ending in 4892.
5. Use of the FIA Card Services, N.A. credit card was subject to the terms and
considerations of the Cardmember Agreement (hereinafter "Agreement"), a copy of which was
sent to the Defendant along with the credit card.
6. Defendant used the FIA Card Services, N.A. credit card account number ending in
I
4892, for purchases, cash advances and/or balance transfers.
7. The Defendant was mailed account statements relative to the Defendant's use of
the subject credit card. (See, Statements attached hereto as Exhibit "A.")
8. The Defendant defaulted under the terms of the Agreement by failing and refusing
to make monthly payments on the account as they became due.
9. The Defendant last made payment on August 16. 2010.
10. The total amount due and owing the Plaintiff including interest, is $12,101.69.
WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the
amount of $12,101.69 plus costs of suit and any other relief as the Court deems just and
appropnate.
Edwin X. Abrahams en
Michael F. Ratchford, sc
Attorney I.D. Nos.: 8 85
120 North Keyser A e.
Scranton, PA 18504
mratchford(aeaa-law.com
Phone: 570-558-5510
Fax: 570-558-5511
VERIFICATION
I, Michael F. Ratchford, attorney for Plaintiff, FIA CARD SERVICES, N.A. , am fully
familiar with the facts set forth in the within Complaint and am authorized to make this
Verification on behalf of Plaintiff. I Verify that the facts set forth in the within allegations are
true and correct to the best of my knowledge, knowing that any false statements are punishable
by law pursuant to 18 C.S.A. 4904.
Prepared for MICHELE A RICARD
Account Number. 4500 6600 1150 0327
February 2010 Statement
Credit Line: $15,400.00
Cash or Credit Av"tr:
Summary of Transactions
Previous Balance $12,481.20
Payments and Credits - $0.00
Purchases and Adjustments + $0.00
Periodic Rate Finance Charges + $64.62
Transaction Fee Finance Charges + $0.00
New Balance Total $12,545.62
Billing Cycle and Payment Information
Days in Billing Cycle 29
Closing Date 02/09/10
Payment Due Date 03toar10
Current Payment Due $270.00
Past Due Amount + $334.00
Total Minimum
Payment Due
Bankof America
www. ba nkofame rice com
Call toll-free 1-600-896-3698
TDD hearing-impaired 1-800-346-3178
Mail Payments to:
BANK OF AMERICA
P.O. BOX 15019
WILMINGTON, DE 19886-5019
Mail Billing Inquines 1b.
BANK OF AMERICA
P.O. BOX 15026
WILMINGTON, DE 19850-5026
EXCITING CHANGES TO YOUR STATEMENT! STARTING NEXT MONTH YOU'LL FIND A NEW
EASY-TO-READ STATEMENT DESIGN THAT PROVIDES YOU WITH MORE DETAILED INFORMATION
ABOUT YOUR ACCOUNT.
OUR RECORDS SHOW YOUR ACCOUNT IS PAST DUE
Plamotrona/ Cone,;oondalgAnnua( APR Ba/axe Subject to
Category Transaction Types Daly i Panodic Rate Rvicentage Rate Type Finance Charge
Balance Transfers 0.017808% 6.50% T $0.00
Cash Advances 0.017808% 6.50% T $0.00
Purchases 0.017808% 6.50% T $12,512.37
Annual Percentage Rate for this Billing Period:
6.50%
(Includes Periodic Rate Finance Charges and Transaction Fee Finance Charges that results in an APR which exceeds
the Corresponding APR above.)
APR Type Definitions: APR Type: T= Temporary APR (APR for special circumstances)
09 0125458200060400000270000004500660011500327
Check here for a change of maing address or phone nunber(4
BANK OF AMERICA Please provide al corrections on the reverse side.
P.O. BOX 15019
WILMINGTON, DE 19886-5019
ACCOUNT NUMBER* 4500 6600 1 150 0327
NEW BALANCE TOTAL' $12,545.82
PAYMENT DUE DATE.• 03/08/10
MICHELE A RICARD
450S3RDST APT I
APT 6 Vr Aryrnrnt AmarR F.ialow¢
r--
LEMOYNE PA 17043-2003
Mail payment coupon along with a
check or money order payable to: BANK OF AMERICA
1:5 240 2 2 250,: LLL500L1, 500 3 2 7111 t-xh
4
-o
m
0
ro
IMPORTANT INFORMATJOM ABOUT THIS ACCOUNT USE 21 1 Rev. 04/08
CUSTOMER STATEMENT OF DISPUTED ITEM -Please call toll free 1. R6(i.266.0212 ?4lmula),-T"buisdav Sam-9pm (Frrsterr: Tinne). Friday Ram-?pm (F- astern
Time) and SatuttfdrY 8arn-6(mz (Eastern Trine). For prompt service please bathe the inercbatn re°fererur +arn:bt f:t1 avaibtble for the charge?-,) in question.
PLEASE DO NOT ALIIR 11'ORDINC ON Tff1S FOK.'tl AND DO NOT A•U11L YOLK LETTER OR FORM \XITH YOUR RAY'MSENT. Choor: only one dispute reason.
four Name: Account Numher
Trn:aac-ml Date: ik"ting Date.: Tiefertrs:e <Tonv^rr.
Arnowu b : Dispurcd Amnlu:u S. Mucha.v Nanic
f. The am•rrat cif-he charm was mczzeased from i ro 5 0: my saes
,lip wacaddimanx:Tt'.FnJrriiis::<(grtnf xs?Fitsirn rin:rnma:,motet.
2.1rertfi•tfwthr,har,;e6.,ttdaowexastitri. l by me it a pirsonautfivn&dbyric toasemycant,n,r
Yz c the wKids err scnxc_ rep•v-sensd hp ,h, trax actxm rccrived M• n>r o a person autk:xiud In rac.
? Mhawn,omxi.cdru:r-&ridis:.tloxwaslli'.e,hilgtixf nrrcnr
I lam asked the nkT_hant to credit en• accutnt
4.1ws4uedacrA,tslipthat vas Coxslhmvnonmystar.7nemAcopy ofmycreditslipisticiuscd.
Tlarnrrrdim,rluc iPro ltldw'sioLmlitYm- acunnrt
l i. bterchandise t'u i a's•hhiWd tome has amv-d drracted and cr *, t e.I returned it at
! r SIMi'UL)IY1) and asked tx morJuat tt cradn rm• aaount Arta h a krthr tiaaihing
hov. eft nxrl.+nl,x vvaa duo: grel ancVur,ktcnrc etx a u rp; of r.'tar p-txrt,tf rerun;.
L? 6. Alt'xxtgh 1 did e,.rW ?n he ahuve tons• ction.I have cattatitnf the nim-6m returned #x rnerctandiie
nn ;YtYi,DT)'ll j arn1 r?waed a ar fit T c;htr did nor raxive des cro k or i tisa;
ua arniacax) Ana h isrer explmning tvhy vat air ? }v7im, thss ! arw with a arPy of Ife. PrxK of
r aura. if ycci arr . 4- to rctarn d - nxrdra idisc- p r;?sx explain.
-.i<?L fr, alai dye dram,,, in GlKV'.eal tY:PA41??,,??•• raucaaia4ln,t wy<}!rnaea uvia. 7n ny sannuntt
I d d nox oath ore he <x d trarcacn r Sal- 1 5 Reference f_
4. I netted the rat,-chant (in 1 1 uvtM?'DD, YY; to cancel ixpre uflyvized order
freana'")).firm, rxxean adretiEan rlavail,.H;e•idrAeacrtrvn ynurc.mrnizanda
cnp•, of }t ur rr'tphow bill, slxnvir-goate anti wrx of iatr,!lrton. Rea x 'x ancellanon! c-m rlh-.6on k:
?9.Aklr,ni}d;di;i .rv?r?taitlea!xlt..t.:mslcnirylh:n•Donn:r<aalrhenarl,irlorcn?,:r.Thesrr.ia.m:u
ptamdul on r_ r_WNQ'DD 'YI were not rest tied or Yr= uttsatisracrom atacit a Imer
ccstnhuh t>L arvisi septa's' yrcu atsn pt m nw rkt ryi[;r [lac ir.•crchar: and a taco ::f your co,.Q;,a.
Ill.ltrnf}tha*Id„xvre<tgni:et?narba<ttcHt.Airr?i><,;nsira"tt•n}-ty.ire•r..'rphonenur:,f•rnrrattorxix
name on rou:r IniE;N stawmeir please anrupt to ccxnaa the merchant for irtomhaoon.
11. If yirurdispote in Ire a diffec%ruwl,1,1etc C(%U,1t us at the afuec tclq ,'101x ncm6cr.
Signature (required): Date:
}lest congest tclcphouc #: Hoaic#:
Billing rAts are only preM rued 6y a rtrer, inq:ert o proserve your hifliag rtvsnr, pluose return a
op of 6s form and any upporiir?- IDiormanor regard-ag the me br cna e in quesrion to:
Attn: Billing Inquiries, P.O Box 1.S011i, Wd ilington, DE 1?g50-.5026, USA.
PI EA.SF, KFUTHF ORICiNAI, FOR POUR RF..CORD}S AND SEND A COPY OF THIS STe1TF.A•IENT.
GRACE PERIM
"Grace period- inctns the Period of time during a hilling chicle when You i%nll nix aizrue
Periodic Rate Finance Charges on ecrtiin transactions or Mlanccs. There is no Grace Perirxl for
Kihi ice lhn4m. and Gash Advances. If volt }arty in fir 11 this statement's New lialance -dotal by
its Paytrunt Due Date and if you paid in full this statement's lrrevwus 11alance in this statement's
btlittg cl t le, then you will have a Grae e 1'rricxi during the biliiq c:ywk that Iz4an the day after
this suttrnrnt's C:k,>in g Date tin the Purchase portio ts of this statement s Nevv BakuKr Total.
During a Promotional Rate Offer. 11 no periodic Rate Finance Charges a?:i.•rue on
balances with the 0% PmmotionaI Rate; and 2) you must }xty the Total Minimum Nymeiir
Due by its Payment Doc Datc (and avoid any other -promotion mmoFf rvcnei as darned in
your Crcd r (:aid -1grt cmcnt; to maintain the 0^4. Promotional Rate.
If a c orresnnndirig Annual. Petretaor Rare in the Finance Cdt:uvz Schedule. on the front
of this statenient cowauu a synilxhl girt with respect to drone batatxrs: ]) tfhe U`.'
Prorrrotiorral hate will expire at to end of the next billing cycle, and 21 you Must pay this
stitertrents New Balarxr Total by its Payrneru Due Darr to avoid Periodic Rate Finance Charges
rater the end of die V' Promotional Rate Offer on those Dances existing as of the Coring
Date of this stator me
CALCULATION OF BALANCES SUBJECT TO FINANCE CHARGE
Average RaIn-ice NIcrhod ;iocludirig new Khan e Transfers and tic tv (-.a sli Advances):
) e cikulate separate Kilances Sulr ect to Finance Charge for l iLricr Transfers, cash Ach-ancrs.
and for each Promotiotutl Offer balance cousistuhg of Balance Iharisfers cw Cash Advances. We
do this by: d i calculating a daily balance for each day ut this sratenrenes billing cycle; (2)
caladatink a daily bakanLv for each day prior to this statrruents billing cycle that had a "Pre-
Cycle balancY" - a Pre-Cycle balance is a Balance Transfer or Cash :\dv am with a transaction
dart prior in this stanemcntN billing cycle but with a pr". ng date within this sMtement's billing
•}clr, (3) addingg aU the daily balances rogether; and i"4; dividing the sum of the daih• b iatrces by
dye number of(, i the in this ;AnTmenrs billing ,}de.
16 Calculate tyre daily balance for &ich day itu this statement's billing cvck, we rake the
l*1hrung hrlance. add an xnowht equal to die applicable Daily periodic. kite multiplied by the
prev'iouts days daily balanxre, add new Ealattict; Transfers. new Cash Advanus and and
Transaction byes, and subtract applcable payments and credits. If any daily balance is less than
irm Ww treat it as zero.
To cakulatc a chi fy Wance.. for each day prior to this aaaerxcnr%bill ing L}de that had a. Pre-
Cycle balance, win tube the beginning lxtlance attributable solely, to Pre-Cycle Winces Iwhidl
w•iU be zero on the transact"i date of the first Pre-CA do balarrcel, acid an anio urat r j7uaI to die
applicable Dail- Periodic Kite. multiplieci by the previous days daily balance, and acid only the
applkabk 1'mC;yck lralarties, turd their related piattsactiorr Fees. ?Ge exclude fn,ur Iris
uActdation all transacciom ptirsted in prryious billing cycles.
Average Daily Balance foetal ref f including new Purchases): We cakulate separate Balances
Subject to Dinance Charge her R ri hales and h r each Promoturmil Offer haarice consisting of
Pun hases.lA We do this hy: ,1) calculat ng a daily halana: for each day in the billing c}zk {2)
adding all tic daily balances togerbcr; and (3) iiitxiing the sum of the daily balances by the
number of days ui the billing cydc.
Tr calculate the daih halamr for inch day in this Statement's billing cycle, we take the
fxginin lxtlanee, add an amount euai m the appli 1a Daily Period c Ras inch plicci by the
previous day's truly b ala+lgC add new rc"' rc tacw Aca>unr F s and tie ry Tranca xion Pe s,
nd schemer appii abk. }haytix.nts and cretin If am daily hilar e is kxs th hn z<t o we [ls tt it as
zero. ff due
1'revtrus llal uxe drown on ties itatenhent w us paid in foie in this stuemtrts brllurg
cycle den un die day olio Hutt paymeru au full date. we exclude froth rite lz{ imwrg txrl uae
ucw PurJuascs tic>y Asa>urrt Fern, arnd tLvv Tratumution Fees which }x,; rd an on l vivre that
payrnent nh hill bate, and we do nut add new P hrchasc , nevy Atcz loot Fees, or tie v Tu ansactienu
bees atdaiir peer after that }xryment in full date.
YCe nchidethecostsfortheerMircarddc.breaiiceliationplanorereditimarraneptrcha;ed
through us in Calculating ific l><?innin balanoc for he lust day of r1x bllurg cycle afmr the
billing nzk in which such cats are billed.
TOTAL PERIODIC RATE FINANCE CHARGE COMPUTATION
Periodic. Rate Finame C hatv„es accrue and .ere conipourded on a daily basis.'lb deter line
the Periox6c• Rate f inanct Chargees, we multin h each P,alarice Subject to Finance CharW by its
applicable Daily Periodic Ratetnd that resuh fay the number of days in the billing cycle. Ttr
determine the tonal Pe Delis: Rate Finance C;hargc for the billing cycle, we add the Periodic Rate
Finance Charges s ttxggether. Fach Daily Periodic Rate is calculanxi by dividing its eotnxponding
Aontral l'crectirng: Fate Ivy 365.
HOW WE ALLOCATE YOUR FMYNENiS
We will a'6.-ate your payments in dye matcher yye determine. In most mustanc) S, we will
allocate your payaxatts m balattxs (irxluding transactions rrhade after this statemenrl with lower
APRs befure bal miles with hi);her APRs. This will result in balances tvitfr lower APRs dstuch as
new balances with Promotional APR offers) being Imid beh ire any other existing balances.
Papf nent Due Dates and Keeping Your Acootrd in Good Sib gli erg
Your Payment Dhue Dare will tint tall on the came clay etch month- in order to help maintain
any pu'onxhtional rates, ru avoid the tmpcxirinn of D)ef<wh Raas cif applicahkl, m avoid lane lees,
and to avoid owdimit fees -w mitst r ecce nt least the 16taI N-lithium Paymaht Du by its
Payment Due Date each billing cycle and .you inttst nutintaut your as outrc 1-mlance belois- your
(credit Limit each day.
Important Information about Payments by Phone
NVIrn using the optional Ray-dry-Phone senior, ,vote aurboria, us to initiate an cknronic
payment from your aceoturt at diefuurttcial iustinition }you designate. You must authorize the
amount and timing of each paymem For your proteuicrty vve will ask for seahrity information.
:A fire may arph: Tir cancel, [all us ht fore the scheduled payment date. S rmetlay paytnentc
cannot dre ctlitcd or Crrxxlcd.
RISCELLANEOUS
For the connpietr tern is and comditRms of your account[, consult your Credit Card
Agyetineur. FIA Carol Senors is a tradenarne of FIA Card Sen•ices N.A. This account is issued
and administered by I!-\ and Services. N.A.
PAYMENT'S
We credit payments as of the date mceived, if the payinent is 1) received by 5 p.m.
{Eastrrt Trine), 2) received at the address shown in the beraom left-hand canter of the front
of this statement, .i) paid with a check drawn in i!.S. dollars on a. U_S. financial institution or
a U.S. dollar money order; and 411 sent ur the enclosed rcnirn envelope with only the hotnim
portion of this statement attwmparryiug it, Payments received after 5 pan. out any day
trncluding the Payment Due Date, but that otherwise meet the alxwe rec}uirerrnents, will be
credited as of the next day. At'c will reject payments that are not drawn in I.I.S. dollars and
those drawn our a iiuancial institution lcxoted outside of the Ututed States. Credit for any
other payments may be delayed up to five days. No payruetit shall operate as an accord and
satisfaction without the prior written approval of one of our Senior Officers.
We process most payment checks dearomoill . by using the information found on your
check. Koch check autlioriz? us to create a onetime electronic funds transfer (or process it
as a chtxk or paper draft). Funds may be withdrawn from your ewcount as stem as the
ame day, we receive your payment. Checks are not returned in you. For more infomiarion
err to stop the electronic funds transfers, call us at the number listed on ncc front.
If you have authorized us to pay your credit card bill automatically from your savings or
checking account wide us, you can stop the payment on any amount you think is wrong. To
stop the payment your letter must reach ors at )cast three husiness days before the automatic
payment is scbedulM to occur.
If your billing address or contact information has changed, or if your
address is incorrect as it appears on this hill, please provide all
corrections here.
Address 1
Address 2
City
Stare ---------- -- - zip
Area Co is
Bono Phone
Area Code <`1
Work Phone _
m
m
ro
to
ro
Bankof America
MICHELE A RICARD
Account Number: 4500 66001150 0327
February 9 - March 10, 2010
Aooount Information:
www.bankofwnerica.com
Mail billing inquiries to:
BANK OF AMERICA
P.O. BOX 1-%W
WILMINGTON, DE
19650.50126
Mail payments to,
BANK OF AMERICA
P.O. BOX 15019
WILMINGTON, DE
1.9686.5019
Customer Swvioe:
LW0.696-11%
(1.800.3483178 TTY)
New Balance Total .. .................................................................$12.284.50
Current Payment Due ....................................................................$270.00
Total Minimum Payment Due ..........................................................$270.00
Payment Due Date ..........................................................................418/10
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:
Only the minimum
payment 4 years $14,144.68
$376.60 36 months $13,557.60
(Savings = $587.08)
If you would like information about credit counseling services, call
1.866-300.5238.
rfensectlon Posting
Date Date Dese"Poon
Previous Balance ......................$12,545.82
Payments and Other Credits ..............: 325.00
Purchases and Adjustments ....................0.00
Fees Charged ....................................................0.00
Interest Charged ............................................63.68
New Balance Total ......................$12,284.50
Credit Line ..................................$15,400.00
Statement Closing Date ...................3/10/10
Days in Billing Cycle ..................................29
Reference Account
Number Number Amount rote/
Payments and Other Credits
02/17 PMT FROM BILL PAYER SERVICE -325.00
4325.00
Interest Charged
03/10 03/10 Interest Charged on Balance Transfers
03/10 03/10 Interest Charged on Cash Advances
continued on next page...
0.00
0.00
09 0122845000027000000325000004500660011500327
BANK OF AMERICA Account Number: 4500 66001150 0327
P.O. BOX 15019
WILMINGTON, DE 11988135-50119 New Balance Total ........................................................ $12,284.50 Minimum Payment Due ......................................................... 270.00 Payment Due Date ...................................................04/OS/10
MICHELE A RICARD Enter payment amount. $
450 S 3RD ST APT 1
LEMOYNE PA 17043-2003
Check here for a change of mailing address or phone numbers.
Please provide all corrections on the reverse side.
Mall this coupon a" with your check payable to, Bank of America
is 5 2 40 22 2501: 111 500 L L 500 3 27n,
IMPORTANT INFORMATION ABOUT THIS ACCOUNT USE311 Rev. 02/10
CUSTOMER STATEMENT OF DISPUTED ITEM- Pkaseca![tot!}ice2,866dUb021 Kmtday-7hitrsday8ain:yp.m„Friday 8ra.tn--7p.m.andSaturday8aan.-Gp.m,Eastern
Fur} r:mrpt u,n are, },1<t ,,. ]xttw tin .nercttnnE rt t reru a rrurnt er(ti) rtratifol)te (ill the t arliel") in gatc4i(m.
PLEASE DONMALILli WORWNG 0.10 '1i1PFORMANDDONt_YI'\&ULYOLit11liT1'LitOiaPOW11W1'11i1'0latPAYNIEN't'. ,;hook only onetai.p_rtcrr:aacim
Your\,amc: AccountNumbcr:
14al:sact.ionDate: _ PnstingDatr.:_---- RefereneeNumben
amount $: 1FisputedAmcutnt$:.--- 3lercli<mt1\ uric:
-._......... .._ - ... ...... ..........
r MI.'a;nountofthccharsew•rsme*casechont$__ _ 1os or iuy sal,- tip was
addr.,t iris rn rx.lly. Fncl...Ied in tcnpyor Lhe aale,,Ilp !hrd.shuw. Ihr. rorrr.,A mmmll.
I-? 2. l ::eiti.f.• lbat c i r chi ge lisuxl atio'e -,c_ nuc made b_y meor.r prt1on ludbntizeri by me to Live
my card, nurwere, I.he gorltls or;ervieec rr!me;roIed Ix the trwii4uiion r. rvivoi tw IYu-- Ya
person aut.horizcd tn• me..
iliaye.not.re,xiwdthe InerchaodilVThal.Wa,toIle:;hil>lIr<dGIInvnn...,_ .'.-(MM DD,1'1`).
I have asked the merchant to credit my account.
?_ ?.lwasr„ucr,:tcrwdd.Ali!:i.h:d?aa netsh<Ixmnnilly errItment.Acrpy,dtiycredit., ii; is
cnQloscd.'Phc:mcrehaiu.hasi:pUo30daystocrodit.yrour uc?unt.
LJ ;I. bterchanelise that vas shippei a me has ;uTiye damaged and,%or de{crK.ic<:. 1 returned it
cn _(hIML)D;TY`andasked the merchanty)crWitnlyaccount, Attaaha
loth r rlr aribim; hoe, the irn rrhaudi t w•t bama4n d an ljar r r .+ n•e,tnd a copy oitbr- pro if
::(m;[,Ill.
[7716. 'Jthough . I did etnlru{e in Me iijxwe Txmn avtion, l hac•e amvu-te 1 Lhe met cl :lat rettu vied the
merclhandiae„n % (]•IM-'r) ,'YY)andrirtueswriacn-AiLIeitherdidn,.-areaice
dais credit or it was unsatisf:utop,. Anuh a letter explaining why you are. ens pirtvtq this
(!barge with a wlpy of the proot'of rc4nrn. It:you arc unabk w return the mcreb iit(usc.
pl.• ,..e cads i n.
t= 7. i ccr?ty that the et •trr;,: in question waz- a singJe'tra rrsactin:n, but was posu?d twico u? rm,
gist.((;Tart. Tdai not:ult}IUr:rr- Hie, second tnan.-:tiun. -41e$1 $
Inference; SaleReference=
S.Inotit:edthe uiev.-barten %_-_ (MM:1)D/YY)to (.r-io]the prrauthorizcd order
i, rrnero:;r.in a i. I'I?a?e. ro de u;uux•Ila tip m n im) i C:urt,l:J ley rn,.luse. a ropy, If your ro n mast and
a copy cf your telepbone bin shou-iiig, date and time of cancellat-ion. Reason for cancefiatim
cancellation _
L-J 9. iUthou h I did er gage in the (hove transactian, i haYC cxmtac,t.d the metchant for credit.
1'he -;catiicrs to 1.:: provided on _ __ _ _. j_ (NIX I_)D,AY I were nc rlsx:i+ed or ucr('
ten»al.islwGm;.?hach,t letwi-diacribin rrrtsery,cel 1sil-1.10,l'mU r:Nirrnptr- In nt.ulte
wills the: naen:hai d and a. rslpp ufyeer arrtnct.
T-? 10. T rerfify that i du riot. rea,lgni M? the i.:, ns:aa:i.u m. \-len3,a.nlr urLrn lrroaidr+G4ephom•
neunbersnexZ.tc theirnamr,ontourbiAing,tatement. Plet«attempttoaxtttzt.the
merchant for in.'ormation.
C? 11. Ifyour dispute i:, for a different rea--Anij Alen se contact tea at the abn.•e telephone number.
?it oaturc. trrxtuirctil: IlatG:
B 'Ric 11W ionic
FSdio,g righL:.- ilypreyervedbyxril.lrninyairy.'(byut ter,an?rbilliruright., I&a,;_ a
re7nrn
copy of thin form and any tupli,arling information reg: rdiat the: wer-OlaIll claar•ge, in (I destinn to:
Attn: Billing Inquiries,P.O.Box, 15026, Wilmington, DE 19W-50W,Lt8A.
PLFA?4'KI+T I'll le,0I11('d NAI. I+UIi YQIII( DA'01tllhAN!),I(NU4iR7PY UN'I'Hltiti-I'.1'I`P: yt l{N'I'.
GRACE PERIOD
"Grace Petiocl" means the period of time during a hiding crrcle wrhenvoa will not
acenie inzrre..?Lt on certain tray ?aetinn= or lralance.. 'T'here is no Grace. Period for Balance
Transfer ori';tshA(lvance . Ifyoupayinhill this statement'sMeteBaiance'I'otalby
its Payment I )tee Date and it',you paid in fill this statement's Precious 13alannr in this
statement's billing cyclc, Then you will have a Gracie Period during the billing cycle that
began the clay after this staatcment'= Closing Date on the Purchase portions of this
statcmurt's ?c w Balance Total. Ifyou du not lxty in full this statement's NewBalanec.
Total. by ill I'aymentl)ue Dittebutyuu paid in full this statement's Previuus Balurtcr by its
Payment Due Date, then you will Mare a Grace .Period during the billing cyCIO that be?ari
the day alter this statement's Closing Date on the amount of the purchase balance you pay
hythe Payment Dive Date following' our payment allocation method.
CALCULATION OF BALANCES SUBJECT TO INTEREST RATE
Avea:.l,pe Balance Iltethod fincl»dingnew Balance Trnnsfers and new Cash Advxncesl:
We calculate separate Balances Sobjec:t to an Intere-.t Rate: for Balance Transfera,
Cash Advances. and for each Promotional Offer balance consisting of Balance Transfers
or Cash Advance=. IVu du dui; by; (1) calculating a t irfl,y bidancc for each day in this
statement's milling, yetc; (2! Cale ulatrug, a dally baLtti e for each day prior to this
statcmeni•s brllin6rcy clc that had a "Pre,-Cyclubat4ure.u' -a Pre Cade. balanwr is a Bahuucu
Trmisferor Cash Advance with a transaction elate 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; slid (4) dividing the sam oft he daily brdances liy the mum ber of day's ill this
statement's hit ling eycle.
To calmitate the daily halance for Path day in this statement'; billing mmle,we take the
beginning balance, add an amount equal ter the applicable Daily Periodic Rate multiplied
by, the previous day `s daily balanco, add new Balance. Transfers. new Crash Advances and
Ti ansac:tiun Pc.:c and subtract applicable, payments and credits. If any daflybalance is
less ilurn zero We treat it as Zero.
To calculate a daily balauce fur ea:-,h (hay prior to this statement'i billet; Cycle that
hula Pre-C?•cle balance, we take the lte?, rmirrgbaiaiice attribu4-thle =cle.b- to Pre-Cycle
balances (which will be zero on the Transaction date of the first Pte-Cycle balance), add an
amoutit. equal to the al)pticable. Daily Periodic Rate Tinltiplied by the previous d:ty's daily
halarce, and artd only the applir ihle Pre-Cvrle. balances, and their rr.latecl'I'rattacLinn
Fees. We., exclude from this calculation all tr'ansai-Iinnspnsted in previous hit ling cyclez.
AyeraPe 1).aify Balance hlethnd (including nFm Purchases):
We r-Alcolate separate Balances Subject. to an Interest B=ate for Pit rnha;es and for
each Prnmotinna.l (Pico beta rice cnnaistine of i'urr, hales. \pe do (.his by: (i) c'tlcu taring a
daily balance for each day in the billing cycle; (2)a dding all the (tally balances together;
PAYMENTS
Wt credit mu led pay nieuts as of the date received, if the pay.lnent is; (1) rmeived by
5 p.m. local tinic at the address shown on the roitritktncc slip ou tlx: front of )your riloutlily
statement: (2) paid with a check drawn in U.S. dolhtrs on a U.S. financial institution or
a U.S. dollar money order; and (3) sent in the return envelope with only the remittance
pnt•tion of ynur statement accompam•ing i.,. Paymtentc rereTvPd by mail afte.r 5 p.m. local
timeaztheremittaneeaddm>sonanydayinclu(hn,rxth Payment DrIe Date, hint that
otherwise meet the. above requirr-ments; wi n he credited as nfthe next day. Payments
ruade online or by phone will he credited as of the dale of receipt if made hr 5p. m. Central
tine. Credit for any ol.tter payments may be defrayed up to live dikys.
No payment Atilt operate as aaawcord and satisfaction without the prior written.
approval of one of our Somor Officers.
We process most papmcntchucks e1cctronicalh by using the information found on
your G heck. Bach check xuthorizc, us to create a onc.-time ciec:troni c funds transfer (or
process it. as a chw'k nr paper rlrq.tt). h'unds !nay 1>P withdl•anm from ynnr acrnunt. as soon
as the same day we receive vnnr pscment. Checks are not reitn•netri to you. F'or more
information or to stop the electronic fluids transfers, call u= at the number listed on
the front.
If ou have authorized us w pay your creditectrd bill autornatiually front your savirlgs
ur checking, account with u=, you can stole the payment on anky amount you think is
wrong. Tu stL>p payment, yotu letter m List reach us at least three: busiru.s s days before the
automatic payment. is Schodulccl, to (xcur.
and (3) dividing the sum ofthe daily bahinucs by the nurolterof days in the billing cycle.
To calculate. t.)te tbtily balance fur euc:h diky in this statecncut's billing cycle, we lake the
begi,:nirigbalauree, add an amount equal to the aliplieaable Daily Periodic Rain multiplied
by the previous clay's daih' balance, add new Purchases, new Account Fees, and new
Transaction Fees, and smbtract applicable payments and credits. Ifant' dail y balance is
less than zero we tt'naf. it its zero. if the F'retyiou s Balanne hnwn on thi^. s v:ic.ment w:; s
paid in full in (.his statement's billin?'cycle, them on the dayaherthat payrneni in titll
date, aye exclude. from the be; inningbalance new Purchase;, new Aecount Nees and new
Transaction fees which posted on or before that paynitent in full date, and we do not add
new Purchases. new, Ali count Fees, or new Transaction Foci which post after that payment
in full date.
'We includethefeesforcrxditcarddebtcanucliationorcreditinsurancepurchased
through us ill calculating the beginning balaux;e for the first day of the billing cycle after
the billing cycle in which Such fees are billed.
TOTAL INTEREST CHARGE COMPUTATION
Interest C'•harges a<t rite and are, compnunrieel nn a daily basis. To determine the
Interest (;ha rges w'e, m u ltiult' each Balance till b)ect tf1 Interest Hate by Its applicable Dally
Periodic Kate and that result hgthennmherofdaysin the billing cycle. Tndetermine
tie total lnterestChtwgcfor the billing vyrle.weaddthe
Periodic]late.IntercatCharges
together. A Dail Periodic Rat( is calculated by dividing an Arinual Percentage Rate;
by i#i-a.
HOW WE ALLOCATE YOUR PAYMENTS
If your acco curt has balances with different APRs, we w ill allocate the amount of
your payment equal to the Total Aiinimam Payment. Due to the lowest APR balances first
(includingtransa.ct.inw;irimleafter this ststenie.nt). PM-nientamountsine.xcessofyonr
'iota 1 klinimum Payment Di3e will be. applied to ha lances with higher API-.^, before halances
with lower A PRs.
IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE
When using the optional Pay by-Phone scnicc, you authorize us w initiate an
electronic payment froth couraccount at the financial institutioayou designiue. You must
authorize ttio idmount Turd tinting of cacti payment. Furyour protection, we will ask fur
security iuformati un. A fee may apply. To canoul, wall us before fife sehc'<Icded payment
date. .Same-day pkviiients earurotbe edited or c.urceled,
MISCELLANEOUS
For the complete terms aitd conditions of y,lnrraccoutit, consultyour LS•edit Gard
Agreement: VIA Card,emices is a trariename of VIA Card Sermes, N.A. This a rount. is
issue:t and administer:?ri by F'IA Cara Services; N.A.
ifyemrbilling address or contact information has changed, or ifyour address is
inmrrectas it appears on this bill, please provide all enrrectinns here.
Address 1
Address 2
City
State Zip
Area Code S
home Phone
Area Cride K
Work Phone
Bankof America
4500 66001150 0327
February 9 - March 10, 2010
Page 3 of 4
Transaction Posting
Date Date Descnpaon
Reference Account
Number Number
Interest Charged
03/10 03/10 Interest Charged on Purchases
TOTAL INTEREST FOR THIS PERIOD
Total fees charged in 2010 $0.00
Total interest charged in 2010 $203.04
Amount Total
63.68
$63.68
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Promotional
Percentage Transaction
Rata Type
Balance Transfers 6.50%
Cash Advances 6.50%
Purchases 6.50%
Promotional Balance Interest
Offer ID Subject to Charges by
Interest Transaction
Rate Type
$ 0.00 $ 0.00
$ 0.00 $ 0.00
$12,330.13 $63.68
APR Type Definitions: APR Type: Temporary APR (APR for special circumstances)
Bankof America
.r'
MICHELE A RICARD
Account Number: 4500 6600 1150 0327
March it - April 10. 2010
Account Information:
www.bankoWnerica.com
Mail billing inquiries to:
BANK OF AMERICA
P.O. BOX 15028
WILMINGTON, DE
198505028
Mail payments to
BANK OF AMERICA
P.O. BOX 15019
WILMINGTON, DE
1988&5049
Customer Service:
1.800.8963898
(1.8003483178 TTY)
rmnsocrion Posting
Date Date
New Balance Total ...................................................................$12,352.50
Current Payment Due ....................................................................$270.00
Past Due Amount ..........................................................................$270.00
Total Minimum Payment Due ..........................................................$540.00
Payment Due Date ..........................................................................5/8/10
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:
Only the minimum 4 years $14,145.59
payment
If you would like information about credit counseling services, call
1-866-3005238.
Descapabn
Retefence
Number
Previous Balance ......................$12,284.50
Payments and Other Credits ....................0.00
Purchases and Adjustments ....................0.00
Fees Charged ....................................................o.o0
Interest Charged ............................................68.00
New Balance Total ......................$12,352.50
Credit Line ..................................$15,400.00
Statement Closing Date ...................4/10/10
Days in Billing Cycle ..................................31
Account
Number Amount rote/
Interest Charged
04/10 04/10 Interest Charged on Balance Transfers 0.00
04/10 04/10 Interest Charged on Cash Advances 0,00
04/10 04/10 Interest Charged on Purchases 68.00
TOTAL INTEREST FOR THIS PERIOD
Total fees charged in 2010 $0.00
Total interest charged in 2010 $271.04
09 0123525000054000000325000004500660011500327
BANK OF AMERICA
P.O. BOX 15019
WILMINGTON, DE 19886-5019
MICHELE A RICARD
450 S 3RD ST APT 1
LEMOYNE PA 17043-2003
Account Number: 4500 6600 1150 0327
New Balance Total ........................................................$12,352.50
Minimum Payment Due .........................................................540.00
Payment Due Date ...................................................05/OS/10
Enter payment amount $
E] Check here for a change of mading address or phone numbers.
Please provide all corrections on the ramrse side.
Mall this coupon along with your check payable to, BANK OF AMERICA
1:5240222501: 1 LL500LL50032711"
$68.00
IMPORTANT INFORMATION ABOUT THIS ACCOUNT USE311 Rev. 02/10
CUSTOMER STATEMENT OF DISPUTED ITEM - Plcase caU toff free 1.866166 0.112 Wunday-Thursday 8 u ,in.-9 p.m.. Friday 8 cc.tn 1 p.m. and Saturday 8 a.rn,-6 p.m. Eastern.
Tor pr:nnjrtw,n irr.,plrt, &c.iv<ilu:rrumchantre¢ereruerurntens)arailublefo tiir.rJurtyrr(.,}it,quohwl. _
FLEASE•' PO NO'I AIX-A c W Ol WING O I l il° 1 OILNt ANll DU NOI' ALA IL 1 O L A LUTFLit Oil ]'()1[.1.1 W1 I'li YO LJt JIAY MEN'1'. Uhousc o iJv one dispulc rrxison.
YourNamc: tccouatNumbcr•:__
1't•:r.usact.innDAle:_ -posrngDate:___ Referruce. Number: .
Amount$
hisyut-d.lnunmt3:
L-_iL'rhea:nonntoNhccharrau: in(rca=aihoni$___-..-tot or my sal: hp cos
ndd,nl in-rirn.I IY. Fitch-,I is : ?i,pg ul the sal-:, slip That shaw> I}re as,r-I it nrunl.
1_.. 2. I :,c It.ifr i:h,rt uir• Cher ge I[cucl ubo.ze u<c: nu c rn ode by me or a pesnn nrdhorirnd by me to hie
my rird, nor were the gi«sls or ;e rvires wpn,srnlwl Iw the tr.u) s:u3inn cot ei"id by me or a
per son authoraed by me.
.iliac-net.recejvledthrniershandIsethatova;ioh?;hiplwdurmr--ni: j_..!fr1M1f1•'UD,-,Y1`)
l have asked the merchantto credit ray account.
1 was issueda credit slit: i.1W was nest shown on nWst: If:rwnt, A cope of my credits is
rnchiscd. 'Chc merchant ha:+ rp b) 30 days to crutit your tk.count.
Dterchandise that w;as shipped to me has ;u-nvrd damaged and./or 14ftliw. I returned it.
On _:'_..-;__iM1tM1t?L)D;'Sl'fandaskcdthcmerchaniincratitmyacceum,Attacha
lent c ties, ribing how the )nr re. hamluc• wat; oamayn,d arrd/or ill. f i. -..ire and a copy oitbe prop d'
n r rel.u rn.
1-16..11thoughtdid entr,t vin theiuxwetran;tIL-0)1t,I have(nmrutiedthemerehant returned the
mra•chandiaeun (]dM11:D1);'ti'1'Ian(,frrrtu.suxtarredit leit?lerdidnntrcre.iyc
thin ere tit or it was unsatisf tcwry. Atratch a ]eth r espla oing who roe are die putir.•g th s
chtrl;c with a stay ni the. iirwi'nf r<-tern. lt'you arc unabM to return the mnrcha;xlise.
pl [ t. e?plo,in.
?i 7. i corny that the ahatr;;r ir, question wta sin.Jc tea nsuctdnn, but w:? posu?d.twiec. ur my
ar:alrmr,nl. T did our:udhurir- i.hr, waaautxl Lrlns:url urn. tiale gl $
Rf:)rence, Sale, nXA Reference=
7-71 8.lnotil:cdtheutcrrhemton _. i___ ,' ,_ itilAlillllAY')to the prctmtltorize-dnrciar
t• r .were:e7.ian i. please rule otncell:o (i. rn ,° nil i r Av-' I:J dr:, enclise, a miry of con r cun(rid w id
acx,py(if oriel-phone billihoxi4dataandtimeofcancellation.RrasonforcancYL'itiunr
cancclhttion
9. rllthough I did enga„c in the above transaction. I have c ontac.xl the merchant for credit.
'1'hcaertiicrstobcproridcdon____ _.;-___iM1l'?1.'LYll,-YY;wcrcnntsrY.i:iccdorwcrc•
u n i:+,l.is €:w Gen;. alga ch <t )<.I a.r,ley;;ribl re, irr - nP-t rrx eslrrr:[r.d ,yola:uir+rnpY.= In rr•anlre
with the: nx:rchaid and a [»py ufyrourcnnirart.
I?111.T rrtifylhatid,onnl.reat??isethei.seen,iiuu.\•len{canfsrrllen;trn4ide{r•lep}hint;
nwnlxrsneat.herhrirnamenriyourbillingai?tcnrent. Pleaszatkmpttoaznt<ict.the
merchant for in`ormation.
C 11. Ifyourdispute i; for a different reason. please contact us at the meow. telephone nur_iber.
hr: LgjItqcttclgpftn1 . ......... -_ ._ - Isom[:
fiihingri,{bL ?t'olelYprrsrever}hyariLlr-niipiuiry.'rfiprr?z,enry,hoo?slliruright;,plra.?eret+er'na
eopyoftln+tirrtnandanyeup}wrhn;infurma tonr gardingthemen lantchargeinquestionto:
Attn: Billing Inquiries, P.O. Box 15026, Wilmington, DE 19880-x026, USA.
1'I J; A!? P: K P; F. I I IIIk: 0It I(; I N:11. I+I)It YOIJ It ItP;CUNIri Ah'!)?P'AUA(,)I'}•ON'I'N IS ti 1;1'1'F: V I1NT
GRACE PERIOD
"C=race Period" means the periM of time chiringla billing cycle when rm; will not
acenre interest no certain tran,art'imis or balance. ']'here.. is no Grace Period for Balance.
Transfers or Cash Advances. If you pay in hill this staatement's New BP lance'liital he
its Payment Due Date and ifyou paid in fi(11 thin statement's Previous Balance in This
statement's billing cycle, Then you well have a Gracx Period during the billing cycle that
began the clay aftur this stirtr)mcnt's Closing Date oil the Purchase portions of this
stab nncnt's \ew Balance Totttl. Ifyou du riot pay in fill this statement's New Balance
Total by i1= Payment Du Date 1)u-,yuu paid in full this statement's Piv:riuus Balance by its
Payment Due Date, Ilieu you will havea Graw.e Period during the billing cycle that, begari
the dity at'ter this statement's Closing Date on the anount. of the pee chaee balance you pay
by the Payment Ihie Date following our payment allocation method.
CALCULATION OF BALANCES SUBJECT TO INTEREST RATE
Average Balance Method linrhtding'neww llalanre Transfers and new Cach Advances]:
We calculate separate Bala aces Subject. to an Inwre;t Rate for Balance Trausft:ra,
Cash Advances, and for each Promotional Offer balance consisting of Balance Transfers
ur Cash Advance;. We du this by: (1) calculating a daily balance for each day in this
statement's billing' yclc (2) calculating, it daif_i' balair a for each day prior to this
statement's billing; cycle that had a 1 re-Cyricbalance' --a Pre Cycle balance is a Balance
Trwisfer or Cash lvlvance with a transact ion elate prior to this statement's billing cycle but
with a posting date within this statement's billing cycle; (3) adding all the daily balances
toIzether; and (4) dividing the suns of the daily balances by the number of days in this
statement's hilling cycle.
TO calculate the, daily balanre, for ea,(h (ny in this statement:; billing cyele,we take the
bey tinin(; ba lance., add an amount equal to the applicable f)aily Peri(nlic Flat- multiplied
bytbe previous day's daily balance, add new Balance Treurafcra. nc•IC• Cash Advances and
Transaction Fees, and subtract. applicable. pt4yments and ureetits. If any dailybalanec is
loss than zero we iroat it as zen).
To cal oils]- a dash balance for each clay; prior to this statement's billing cycle that
hr,d a Pre-Cycle balance, we. L -e the beginning baiauce attributable sole)y to Pre-Cycde
balances (which will be zero on the transaction date ofthe first Pre-Cycle balance), add an
amount equal to the N)phcahle. I)aile Periodic Rate Tonltiplied by the previous days daily
hal:nice, and add nnlythe applirahle Pre-Cycle halances, and their related'I'ran action
Nee,. wt, exclude fromthiscalriilationailiransa.-tionspostedinprevinusbillingeynie
Average Daily Kalant o Method (inclndin a new Pu rchases):
We raicuiste separate Balancer rnhjeet to an Interest !s=tir for Purchases and for
each Promotional (Nierhulanee cnnsisiingof Parr-hales. 1C%ednThis by: (1} calcuLaringa
daily balancc ter cash day in the billing cycle.; (2) a dd rag &I1 the (laity balances tngether;
PAYMENTS
We cretin (nailtd paymeets as of the date received, if the payinent is: (1) ru edved by
5 p.111. local time at the addres-sShuwu cin the n pittance slip ou the front ufyuur monthly
statement: (2) paid frith a check (h-awn in U.S. dotlars on a U.S. financial institution ur
a G.S. dollar money order; and 13) sent in the return envelope with oily the remittance
portion of seer sratement,arcnmpam4)i? it Paymrents received by mail after 5 p.m. local
rime at the remittance a idre?S nn any day includinpthe Payment Ihie Hate, hilt that.
ntherwiee meet the above requirements. wiU be credited as of the next day, Payments
made online or 11y phone will he credited as of the date of receipt if made by 5 p.nu. Central
Troia. Credit for any other payymenLs may be delayed up to live days.
No payment shall upuraw aS an accurd and Satlslaution without the prior written.
al)proval of one of our Senior Officers.
We pr(icess most payment chucks clectronicallg by using the information found on
your check. h:ach check authorizes its to create a one-time electronic funds transfer (or
prnressit sarherk rpa(P.rdra.it.). }'u*nds'iiiybewfthdi-au-nfroniyt)iyr.,ir.,c,.ounta.9 soon
a8 the same daswe receive mur payment. Checks are not returned to sou. Nor more
information or to stop the electronic fimds transfers, call u, at the number listed on
the front
lfvo U have authorized us to T aiy your credit cud billau.tomal.ically from your savings
ui checking account with u:-, you can stop the payrnent on any amount y'ou think is
wrong. To stop payment, your letter must rcacb us atleastthrou business days before the
automatic payment is Schcjulcci w occur.
and (3} dividing the sum of the daily balances by the number of days in the billing cycle.
To c ileulate i.he daily balance fur each da.v irr ibis siatenunf's billing cycle, we take the
beginning bal:uice, add air:t;rount equetl Co the alnplic:ible Dtrily PeriodicRate cool Eiplied
by the previous day's [laity balarice, add new; Purchases, new Account Fees, and new
Tian ,action Fees; and ,ubtr act applicable payments and credits. lfany dtiily balance is
leas than zero we heat it as zero. ]f the Prrniou s l alanrr, 3hnwn on this civic mint wa s
paid in hill in this statement'- bi Mina cycle, then on the day utter that. pny ment in bill
date, we exclude from The beginning balance new Purchase;, new .Areo int Fees and new
'I'ran saction fees which p steel on or before that pa} Tait in fill] date, and we do not add
new F'trchasos, newAc:eount Fecs, or new Transaction Fevs which lost after that payment
in full clan.
kt%e include the fees for credit card debt ounu•Ilat)ort or credit insurance purchased
through us in calculating the beginning bithuice for the first day of the billing cy cle after
the billing cycle in which euch fees are billed.
TOTAL INTEREST CHARGE COMPUTATION
nterest Charms : tome. and are compounded on a da i iy ha si s. ' I'o determine the
)nrerest.Char€en` we multiply Pre h Rala:nce 5uhjeM. • to Interest li ate by iT.s a.pplicaltle Ilan Iy
Periodic hate and that result. hvthe.numtwrofday? in the billin- cycle. TrI determine
the total Interest Chs.rgr for the billing eyrie, we add the Periodic ]late Interest Charges
together. A Dams Periodic: Rate is calculated by dividing an Annual Percentage Rate
by 3(55,
HOW WE ALLOCATE YOUR PAYMENTS
If your acco unt bit e balances with differe nt APRs, we will allocate (lie anionor t of
your payment equal to the Total NUnimum Pa-. ment.Due to the lowest APR balances Sr t
(inrhidingt.ransaclionsmade afterthis tatenientl. Paym)cntamounts inexcess ofyoor
Total Minimurn Payment Ihie w ill be applied to bahnres with higher A Phs before balances
with lower A PRs.
IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE
When using the optional Pay try--Phone sct•r ice, you authorize us u) initiate an
clectroniepaymentfrom your account atthefinwu:ialinstitution youdesignate. You inust
authorize the amount and tinning of ea+h payment. Furyuur protection, we will ask fur
security iufurmatiun, A fee may apply. To cancel, call us befure the Scheduled pityment
date. Sauce-daypaymentscannotbe edited or canceled.
MISCELLANEOUS
For the complete terms and conditions of yamr aceoutit, consultyour C redit Card
Agreement. NIA [and tiersices is a tra,iename of N'IA Card Services, V.A. This .wcoutit. is
issued and administer d by F'IA Card Services; Y.A.
Ifyoarbillingaddress or contact information has changed, nr ifyour address is
incorrect as it appears on this bill, please provide all corrections here.
Address I
Address 2
Cih•
State Zip
Area Code &
Home Phone
Area (:hole &
Work Phone
Bankof America
45006600 1150 0327
March 11- April 10, 2010
Page 3 of 4
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Promotional Promotional Balance Interest
Percentage Transaction Offer ID Subject to Charges by
Rate Type Interest Transaction
Rate Type
Balance Transfers 6.509 $ 0.00 $ 0.00
Cash Advances 6.509 $ 0.00 $ 0.00
Purchases 6.509 $12,317.37 $68.00
APR Type Definitions: APR Type: Temporary APR (APR for special circumstances)
Bankof America
MICHELEA RICARD
Account Number: 4500 6600 1150 0327
April 11- May 11, 2010
Account Information:
www.bankofamerica.com
Mail billing inquiries to:
BANK OF AMERICA
P.O. BOX 15026
WILMINGTON, DE
19850-5"
Mail payments to:
BANK OF AMERICA
P.O. BOX 15019
WILMINGTON, DE
19888-5019
Customer Servioe:
1.800.896.38
(1SW 348.3178 TTM1
7iansection Posting
Date Date
05/11 05/11
05/11 05/11
05/11 05/11
New Balance Total ...................................................................$12,420.87
Current Payment Due ............................................. ..$270.00
Past Due Amount ..........................................................................$540.00
Total Minimum Payment Due ..........................................................$810.00
Payment Due Date ..........................................................................6/8/10
Minimum Payment Wareing: 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:
Only the minimum 4 years $14.149.52
payment
If you would like information about credit counseling services, call
1-866-3045238.
Previous Balance ......................$12,352.50
Payments and Other Credits ....................0.00
Purchases and Adjustments ....................0.00
Fees Charged ....................................................0.00
Interest Charged ............................................68.37
New Balance Total ......................$12,420.87
Credit Line ..................................$15,400.00
Statement Closing Date ...................5/11/10
Days in Billing Cycle ..................................31
Description Reference Account
Number Number Amount Total
Interest Charged
Interest Charged on Balance Transfers 0.00
Interest Charged on Cash Advances 0,00
Interest Charged on Purchases 68.37
TOTAL INTEREST FOR THIS PERIOD $68.37
Total fees charged in 2010 $0.00
Total interest charged in 2010 $339.41
09 0124208700081000000325000004500660011500327
BANK OF AMERICA Account Number: 4500 66001150 0327
P.O. BOX 15019
WILMINGTON, DE 19886-5019 .$12,420.87
New Balance Total .....................................................
Minimum Payment Due ........................................................810.00
Payment Due Date ...................................................06/08/10
MICHELE A RICARD
450 S 3RD ST APT 1
LEMOYNE PA 17043-2003
Enter payment amount $
Check hen? for a charge of mailing address or phone numbers.
Please prowde all carracbons on the reverse side.
Mall this coupon along with your cheek payable to, BANK OF AMERICA
1: 5 2 40 2 2 2 501: 11, L 500 L L 500 3 2 7il¦
IMPORTANT INFORMATION ABOUT THIS ACCOUNT -JSE311 Rev. ----
- _.. --- --- -
CUSTOMER STATEMENT OF DISPUTED ITEM - Picasecalf colt lees 1:866 2U6 0 312Jfunday47sursdap 8 a to -y p.nt:, Ft -day 81t rn -i p?ns, andSaErsrday 8 a.m.-Gp.m, Eastern:
Frm prompt tier ice, plc Ira Nov t}u, w rrhanl re¢rreru c+ru.rfzfrf:r(s) oratiable 10. the chi nyfe(.,) tit que%tio>s.
1'LESLllUVU7ALT 1tWORDINGON'1'la FORA(,10V11L1UNOTMAILYOL.RI.1T1'LltOlt i'OIC1W1'I'll YOUR Jj1YMEIN'1. choose.o;tic One diaputc,ea_on.
Your tiamc Account Number:
Trans:artia?Dafe:_ _ -PnstntgDatr:___ __-- _ Referenrxlxruuiher:
_ _ __._ _._ .... ......._._ ___ Dispured Anreunt • - - _._ _ __ __ Amount AlemliwitNarne:
LMeaniountoithccharsn•w:rsin,! cdfrnnt4 „_,._ toy ortit dsshpwas
added m,+,nr•e.lly F:n;lnsedis.i.cnlp'ul Lbe sales A q, lhntshuw. I}m: rxvrrcL mnnrirrl•
1_.._7 2.1 whit( fitiat .r r..ha:Xe liausl utxrve w:?c not re.aJe by me or a prrsou atdt nel'ced fiv Tue. to use
ury card, norwera the gtatd, or srrvires -I m•,rulwl I,v i lie. tr an::wlinn r. r rived by rro-•r,r:a
person a+st.horiz,-,d by me..
leave nor. receevc?tl the !re!rchatsdise Thai w'as to he shiplr<d ur uir nn ... _. _ (A4AtiT1D/ll'1.
I have asked the merchant to credit my account.
u 4. 1 vi a:. c„uu, .. credi I alit: i:nat x•:? rest nhawn nn my ;rats:ru±nt. tl cope- of mp ra'rriit si i n is
c nips d. 'Cho merchant bas lip to 30 slays to ac<tit your accaurt.
L_ ;r. Aerchandise that-as shipped to ate bas arrivM damaged and/ar defe t.ivc. I returned it.
on andaakcdthomercbasil,>crcctitntyacceunt.Attacha
lent r rLt:.csihin:; how the rne't'cha.ruti a wn? u.tmaecd ;aril j er u(r r -„ire anr,l a copy offbe prwN'
of re;ann.
16. Aithau Kh 1 did emtn, qe in tLe auxwe tt assts Lion, I l ice cxinUat fiat Lite men c h?nt returned iF.v.
In•I'diandiye•m -./ (1,1M.r)h,,YY)an(!roqut•scedacredit. Ieidwrdidnot recriee
thin crec[it or it wa,, ur_aatisf:xtorp. An ach a letter explaining why you are dis putir,}t this
cl><trge with a oolpy of the pr,,,of;rf return, It:you arc unable uo return the merchandise.
pl :U e e?pl:+i n.
t 7.icc)tiirthat lim chauy;rir.yuescicn w,t;'.a-sineJcr tr;msartirin, but was posu,d.twiceA?my
,,,i;urmrod. I "I'd not aulknn'Iv Ihr, ,,v and Lruic;u:f ion. Salt-F] $_
Fefere.ncen Sale "23 Reference-
9. 1 notified the mc: ch.mt on _ ; (AlAtiUL)%Yy'l tocma;l the pr . authorized ord„r
i_ r ewrv;,laun;. 1'Ir.tce. nul.e c•uux•Il:+ti. m n and i f ae;ui:J dr., rnduse x cup}' of you r cuntrul.:end
a cx)py of,y our telephone bill show itng date, and twine of cancellation. Reason for cancaL'atar nr
cancellation=:
9. JUthou,h I did engage in the above transaction, i have contac :d the merchant or credit.
'11c wide stobcprovidcdon_,_. i_ (A1S1.L)LI YY;were notrrcx:ivcdOrwcrc
unsnl.isf:.r4rr}'. iutach a 1,1.wrdeycribina'01
sezviar?: espiarlr.d,yot:r:WLunpV.? In resr,lvo
with the: nwrchaul. and a aipyufyoorcontrad.
10. i -Oify I hat Id" not. acuy'niox the U:enti:u:t,ion. `tiP111311th O11en provide t,IYphllnt'
muubersitex?.torheirnamr,onyourbill[ngatatrment. Ylr:tsr?attelnptioatnt:ictt?te
ntcrcbant for in=onnation.
C? 11. Ifyour dispuie i, for a different rez-ni. please contact us at the above telephone nun-tber.
b^_?ature (rcqu rcdl ............... Date:
&=LGeptgcttcifphp?tc 7 _ item( .
Rlhingri{irL reo,ilyprn erve•itin i11, inlu-n•.'liap,t enry,nuhillin¢'i{hts pl- reborn
ropy of the,, form and any auplxrrlin, inforwatmn regarding the. nu:rchant -large, in question hr.
Attn: Billing Inquiries, P.O.Box1i5026,Wilmington,DE 19&1,0-50M USA.
I'LN.AFf?Hi-P'I' I'H f: OKIGINAJ1 Pills YOO14 RI-PORD:iAN!1:1- NO A COPY OFTH16 S!'A IT H INT..
GRACE PERIOD
"Grace Period` means the period of time during a billing cycle when vnu will not
scene interest on certain trap-actinn or hatance. 'T'here is no (;rare Period for balance
1'rmafer ;net „ash Arlvanrr=s. ifynu pay in Intl thin statement's Kew- Balanre.'I'ntal hr
its Payment Dne. T )ate and ifyou paid in full this statement's Previous Balance in this
statement's billing iyclc, then you will bave a Grace Period during the billing my-de that
lacgan the d ty after this statement's Cloying Datc on the Purchase portions of this
stawritcat's New BalanccTutal. If,YOU du not 1kty in full thin statement's NuwBalance
Toudby its PavmentDuc Datebutyuu paid in full this sIlater wt's Previous Balance by its
Payment Due Date, then you'will have a Grace Period during Ihr, billingeycle that began
tile (Lay after this statement's Closing Date on the amount of the purchase balance yon pay
hythe. Payment lhle Hate following our payment allocation method.
CALCULATION OF BALANCES SUBJECT TO INTEREST RATE
Avenage, balance Method (includingnm- fialancelciiansfers and new Caah Advances):
We calculate separate. Balances Subjux to an interest Rat,(: for Balance Transfers,
(:ash Advances. and for each Promotional Offer balance consisting of Balance Transfers
wCash Advaucc W do this by:(1)calculatingit daily balancefureach day in this
staturucat's Iinilg' yclc ; (l,; calculator.:; it dally baL lie fur each day prior to this
stalemenl'sbrllint;c.ytict-hat had a-"I'ru-Cyc]ebalattt,r -a Pre Cyclebalancr.isaBalaucc
Tr uisfer or Cash Advance with a transaction (late prior to this statement': billing cycle but
with a posting date within thi= statemeul's billing cycle; I3) adding;' all the daily balances
to,;nther; and ($) di0dutg_ the sac oft he daly balances by the mumher of days in. thi is
statement's billing (ytle.
To Calculate the daily halanre for fiarh day in this statement'; billing eyrle,we take the
tx,ginning ba ]afire, add an amount equal to the applicable Daily Periodic Rate multiplied
hythe previous day's daily balanco, add new Balaariee `l raansfcrs, new Caaeh Advances and
Traustiction Fcxs, and subtrac'tapplicable. payments and credifa. If any dailrbalance is
k:s? iltan zero wr -rout it sts zc nr,
To . alcadate a dally balance for e.u:tl day prior to this statemeut'. billies; cycle Eltat
brad a Pre-C'y'cle balance, we L•Lke the 11eginiiing baiaitce attribu4ible solely to Pre-CYcle
balances (which will be zero on the transaction date of the first Pre-Cycle balance), add an
amount f'qucal to the appticable. Daily Periodic Rate mll ltiplied by the previous day's daily
halance, and ;ofd only the applicable Pre-Cycle halance.s, and their related'h-ansartion
keen. We eQciude from fhia calculation all tranSnct.ions posted in previous billing cynin.Q.
Average Daily Balance Methoel (including new Purchased:
Ike m len late sepa rate Balances hn hjem. to act I merest Hate for Pu rchases and for
each Promotional Offer ha lance consisting of W rchmes, N e do this by: (1) calculating a
daily balance for each Ilay in the billing; cycle; (21 ad:im; allthe dailybaianrea together;
PAYMENTS
FY`s credit mailed pap Hoots as of tltr (late; received, if Ihr payment is: (U rtr?ived by
5 p.m.Imal tint(at the address shown on the r'emittarax slip ou the front ofyour 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 vnur statement arenmpatnift? it. Payments received by mail after 5 p.m. local
time .st the remit.tanoe address nn any day including the Payment ffiw elate, hot that
otherwise meet the above requirernents. vt'i(1 be credited as ofthe nest day. Payments
ruade online or Iay phone will he cr edited as of tine date of receipt if made try 5 p. in. Central
brie. Credit for ar>,v otherin yments: may be delayed up to live chars.
No payntent shall upuraw as air aa;cord and satisLution without the prior written.
approval of one of our Sonior Clfficets.
We. process most pavmcnt chucks clectrunically )n- using•thc information found on
your (:heck. Each check authorizes us to create a one-time electronic funds transfer (or
pmress it a, a the k or paper draft J. FNtnds !nay !w withdr•aw•n from voter arrount. as soon
as the same daywe receive ruin payment. Checks are not returned to you. h'or more
information or to stop the electronic funds transfer.,, (:ill us at the number listed on
the front.
If vo is have authorized us to pay your credit cau'cl bill autamaticall}' from your saeings
ur choc:king account with us, •Yotl can stop the palymont on au,1' amount you think is
wrong. To stoppaymtcnt,yourletter mustreaahusat]castthrc ebusiucssdaysbeforethe
a,utornatic payment is Scheduled u: occur.
and (l) tlividing the sum of tlic daily balances by the numberof days in the biUin; cycle.
To calculatv tlie: daily balance fur each day iu this swtemeul's billing cycle, we lake the
beginning balance, add an ttutouraequal to the aliplic; file Daily Periodic: Rate multiplied
by the previous clay's daih• balance, acid new Purchases, new Account Fees, and new
'ft-ans.--l ction Fees. and subtract applicable payments and credits. If.atuy daily balance is
less than zero we treat it as zero. if the Previ(m a Balance hnwn on this sts.te.ment wa s
paid in full inthis =tatrme t-hiElinacycle,thenonthediayafterthattpay-mentinhill
date, w•e exclude. frmn the beginning balance new Pa rrhasea, new Acmu nt Feet, and new
Transaction Fees which posted on or before that paynnent in full date, and we. do not rind
new Purchases, new a,:atunt Fees, or new Transaction Fees which taut after that payment
in full ila-te,
toe include the fees For credit card debt crAjiwilatlon or credit insurance purchased
through us in calculating the beginning bakwtu:. for thc first day of the billing cycle. afRer
the billing cycle in which Such fees aue billed.
TOTAL INTEREST CHARGE COMPUTATION
Interest.(Jharges:ucrowandarecompoundednnadailybasis. Todetermine the
lnterestChargesawemultiplyearhHalanef-SubjecttolnterestRatebyitapplicahlepaily
Periodic. hate and that result hrrbe nnmberof data in the hiIling ryale. Tri determine
the torn l [nterest Chsrgr for the billing cycle. we acid the Peiindic liate Interest Charg,?s
tut cthcr. A DaAv Pcri(? ic: Rate is calculated by dividing an Annual Percenta, ; Raw
by 365,
HOW WE ALLOCATE YOUR PAYMENTS
Ifyour accouullim balances with different APRs, we will allocate (heamouat of
Your payment equal to the Total Sfitlimuum Nyment Due to the lowest APR baLwces first
(inclndingtransa.ct.innmadeafterthisatatementl. Paymrntamnuntsinc?cessot'yortr
Totn,I A'linimurn PlymteFit Due will be applied to helnnres with higher APH; before halanres
with lower A ?RS.
IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE
When using the optional Pay by-Fhonc scr?.•icc, you authorize us to initiate an
electronic payment from your account at the financial institutor: you designate. Yu u must
autlruri4otheamount eutddiriingofe4whpayment. Puryuur )ruttxtion,weN'lUasklilr
security information, : i fee mar apply. To caneul, call us hews e the sch(aluled payment
date.:Same-daypaymeots oatmotbe edited or cartueled.
MISCELLANEOUS
For the complete terms aatd condition. of rr nr accostnt, consult your Oredit Card
Agreement, Fl A Gard Senires is a tratiename of VIA Card Services, N.A. This account is
issuPlt and admini,-trr,?tf by VIA Card Services; N.A.
tf yoarbillingaddress or contact information has changed, or if your address; is
intnlrrect as it appears on this bill, please provide all corrections here.
Address 1
Address 2
City
State Zip
area Code
dome Phone
Areat!ode.X
Work Phone
Bankof America
45006600 1150 0327
April 11- May 11, 2010
Page 3 of 4
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Promotional Promotional Balance Interest
Percentage Transaction Offer ID Subject to Charges by
Rate Type Interest Transaction
Rate Type
Balance Transfers 6.508 $ 0.00 $ 0.00
Cash Advances 6.508 $ 0.00 $ 0.00
Purchases 6.508 $12,385.55 $68.37
APR Type Definitions: APR Type: Temporary APR (APR for special circumstances)
Bankof America
MICHELE A RICARD
Account Number: 4500 6600 1150 0327
May 12 - June 10. 2010
Account Information:
www.bankofamerir,a.com
Mail billing inquiries to:
BANK OF AMERICA
P.O. BOX 15028
WILMINGTON, DE
19850.5028
Mail payments to:
BANK OF AMERICA
P.O. BOX 15019
WILMINGTON, DE
1988&5019
Customer Service:
L800.896.3696
(1.8003463178 TTY)
New Balance Total ...................................................................$12.216.15
Current Payment Due ....................................................................$270.00
Past Due Amount ..........................................................................$540.00
Total Minimum Payment Due ..........................................................$810.00
Payment Due Date ..........................................................................7/8/SO
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:
Only the minimum 4 years $13.881.84
payment
If you would like information about credit counseling services, call
1-866-3045238.
7ransecrion Posbrg
Date Date Descnpnon
Previous Balance ......................$12,420.87
Payments and Other Credits ..............: 270.00
Purchases and Adjustments ....................0.00
Fees Charged ....................................................0.00
Interest Charged ............................................6528
New Balance Total ......................$12.216.15
Credit Line ..................................$15,400.00
Statement Closing Date ....................6/10/10
Days in Billing Cycle ..................................30
Reference Account
Number Number Amounr row/
Payments and Other Credits
05/16 05/17 PAY BY PHONE PAYMENT -270,00
$270.00
Interest Charged
06/10 06/10 Interest Charged on Balance Transfers 0,00
06/10 06/10 Interest Charged on Cash Advances
0.00
continued on next pop ..
09 0122161500081000000270000004500660011500327
BANK OF AMERICA
P.O. BOX 15019
WILMINGTON, DE 19686-5019
MICHELE A RICARD
450 S 3RD ST APT 1
LEMOYNE PA 17043-2003
Account Number: 4500 66001150 0327
New Balance Total .........................................................$12,216.15
Minimum Payment Due ......................................................... 810.00
Payment Due Date ...................................................07/08/10
Enter payment amount $
Check here for a change of inei/irg address or phone numbers.
Please prowde all correcbons on the raters, side.
Mall this coupon along with your check payable to, BANK Of AMERICA
1:5240222501: LLLSOOLLS0032711e
I IMPORTANT INFORMATION ABOUT THIS ACCOUNT USE311 Rev. 021101
CUSTOMER STATEMENT OF DISPUTED ITEM - Please tint tag frae 1,856166 Oz121furtday-Thatsdalt 8 a trt: 9 p.m.. Friday 8 (t,rn. •7 p.ni. and Saturday 8 a.in,-6 p.nE. Eastern]
,
ror prompt u.rt Ire, pk as e No*' t)itrchani rt fat's ntamber(s) atat4ab.t Iii, that dimyicl") it, gaexii(m. ^ -i T
PLEAS],-'? DO MA AL1'Gli tti ORD NG OA'Pl IS FOILM AND l)O NO'f -?L'tli, YOLat Lt;'1'I'Lit Olt VOR- t WI1') i YOCR PAYbf EN i. Choose only one dispute f canon.
Your Namc: Account Numbcr:
Trausact.innMile: -_ PostingDatr._.___ ReferenrxNumber:
- - -
AmoantF _._..___ _.._.......__ .. ..........._.._ Di?putr;t#.lniount3: ..._. ...........--._._.__ hlurchwitXamt!:
- L'1'he a count ufthe chats u mcrra.ecc £'nnt 4 _ __. io S. ______. .._ or my . lcs slits wtl8
adder? ins ?n ea;Ely. End ...rd ix a.cupy ul the al?ss.?ip i}I:'itshnws Iheolrrrct:umunl.
11 2.1:.r,t.ifvghatc6ccha:geunsex{utrove ,c>nuimade`:.yrteor:r personntdhntir,rtibythetouve
my rand, nor-n-, the gusts or srrvirex irprr•xrulwl Iw the trin-Ainn rtrr iwid hrv In,--;a
person aatt.horivA by me.
r._-• ;. i hcivcnst receiv,':l the nxrchaudisr t},at was lobe shiptwd L.) Inc nt:
1 hatit asked the merchant to credit ray account.
i ?.A was issuat4a rred;i slip i.'haA w•aq nrtshown nn my sim :mint Ace;x•ofmt•ctrriitsiin i5
cn, JoseJ. Thu merman. hao cp to 30 days to credityour account,
:t. Merchandise that w;as shiopr.3 to me has arrorod managed and /or defective. l returned it
cn .. ;`_...-:'..._ (MM1TiD YYandaako themurchanirncratitntyaccount. Attacha
left. r dt sarihmy, how the, mr-rrhandi•e x^ts uamale(.d :and/cr < t ° [•tive avnd a cop}• nffbr• prr).r
of rel.urn.
r-16. AltltouKh t did entrte n t{ : tt xwe tntns:u turn, I have (?rntactrYi the merehtinr; n'Utrned tl:r
tnca•chandiuenn (3dh1!D11;?^slamroquem:xlarrediLIeitherdid-mrrece.nc
Ihiavttxlitoritaa an?ntieEu rv._ALtcac,talettcrexplaioingwliyyouaredisputiretltis
ch_argewitbacopy ofthc.:proofofret(rn. ft;youareLriable torcturnthcmerchandisc.
plrntie ea pia i n-
7.1cerdlh,thatihncharg-ir.questionwa`asinJetrm<artinn,butw, posu,d.twicetomy
' ilenteul. Mid not.; ull a snubs .+e4ora1 Lrsns?uainn. 8alr?I $._____........ ............
Ref'erence`, Sale ;23 Reference=
8. l notiffed the mcrrhunton. _..i...... i.._ (h1At-llI VYY'I t(xxancul(tie authorizers order
i,ir serro.a.inn; I'Irase<nnte r:an(:ella Linn,°r and if ansiLJdr.,encovr,acupyr,I yuorcunlr: u'L finis
11 cxtpy14.1m -I teleph:mebill ahowbtg date andi#meofCancellation. Reason forcancellaiicn/
cancell:ution=:
5. Mthough I did ei page in the abovetransaction,1 have wntacre 1 the merchant for credit.
Thcecrsiccstnbcprnvidrdon__. _ (M.kt.-t)IIi)(Ywere nc.;rmeivedorwcrc
un.al.i=E., Lary. ata chale?.urnir?taibin tier,;eryire??nx?rr-rlr:d, }'oer:Niempir In rr.nhe
withthenwrch-mki:aoda tpyafya)orcontrart.
L-I 1(1.1 erlifp Ihat ids nnl.rer..rgniie Lbe t :uts:n !huts \•ler, hauls utlrn provide lrlcphnnt•
munlx?rs ux).t. G i Their name on tour b ill#ng srtiatemm?t. Please attempt to ca?ntnct. the
mcrhant for information.
11. If your dispute. i ; for a different reason. plev.sc contact us at the above. telephone number.
k- afurc(mryuircdk_. - 1)ptc_._.
Bti.;{ccattinctfclcphpni ;,__..____. liem(:.-;._....
Rtlia ri.{bL,w,. onlppr-,,rverlby , aril lrn ioqu;p•_4Yt y?r<Srnryuurhillirg right-. lrh rye return;,
trop, of this forts and any Fupi,ortumq inlirrnlatrn) r gardwg the men:h3nt.01a),ge in question to:
Attn: Billing Inquiries, P.O. Box 15026, Wilmington, DE 19SW50M USA.
F'LI?-iSI? H°?ha'?PI?h; (?I{IGIN.-11. Ptili Y(?lilt Hh;f IUNI)'? nl?'!a AI(M')A i,)t'Yr)N'I'tIIF SI'A'I'r'111iN'I'.
GRACE PERIOD
"Grace Period" means the period of trine during a billing cycle whenymt will not
accrue irizerest on certain trnr actions, or halance. There is no Grace Period for Balance
I'ranr,fer net':ash Athanne;. ?fynu luny in rau?I thin sratement's New- Halanne'littaf hr
its Payment I)ue UatR and ifynu paid in full this staatement•s Prryiou- Italanre in this
srattntu:nYs billint; cycle, Then you will have a Grace Period during the billing cycle that
began flue cha)• after this statt mcnt's Dosing Date on the Purchase portions of this
stawnwi 's sew BalauucTotal. liyou do not ptry in full thin statement's NewBalance.
Tuudly As Payment Due Date bu`..yuu paid in full this Statement's Previous Balance by its
Payment Due Date, then you will have a G ear e Per1o(1 during the billing cycle that began
the clay at'ier this statements Closing Date on the amount. of the put-chase balance you pay
hythe. Payment Ihte Date following, our paymentallocation method.
CALCULATION OF BALANCES SUBJECT TO INTEREST RATE
Average Balance Method (inrludingnewu Ba_lance'fransfer and new Cash Advances)-
We. calculate separate. Bala aces Subject to a n tntrre:=,t I{ate for Iialance'1'ransfera,
Cash Advances. and for each Promotional Offcr balance consisting of Balance Transfers
ur Cash Advanca;s. Wu do Shia by: (1) calculating it daily balance for cacti day in this
statement's billing' yclc; (21 vale ulatiag a cLzily balau c for each day prior to this
stalcntenl's btllint; t.yclc that had a I re•Cychc balance" --a Pre-Cycle balance is a Balauce
Transfer or Cash: idea nce with a. transaction date prior to this statement':; billing cycle but
with a posting date within this sta t.entent's hitting cycle; (3) adding, all the dailY balances
together; and (4) diN6ding. the Sour of the daily balances by the nnmher of days in this
atatrment billing crycle.
To calculate the daily halanre. for each day in this stattmient's billing rycle,we tike the
beginning balance, ads 1 an amount equal to the applicable Daily Periodic hate multiplied
bythe pr(nious day`s daily balance, add new Balance Transfers. new Cash Advances and
Transaction Pccs, and subtract applicable payments and eedias. If any thdlybalanct- is
less than zero we treat it as zero.
To Calculate a daily balance for each day prior to this statement's billurg cycle that
had a Pre-Cycle balance, we Lalte the heginning balance attributable solely to Pre-Cycle
balances (which will be zero on the transaction date of the first Pre-Cycle balance), add an
amount equal to trite applicable Daily Periodic Bate mu Itipliod by the previous day's daily
ha l ance, and add rmly the applira hie Pre: Cvr le balances, and their related 'I'ran sartion
Nees. We exciudefrom this calculation all trans:urtinnsposte-d in previnus hillingcy; les.
Averatre I ),a i ly Balance Method (incindin tr new Purchases r
We raicnlate separate Halances Snhjeot to '111 Interest Kate for Purchases and for
each Promotional (k'trr halanre cnnaistingof Purchases. 1Vedn this hy: (7) aalrntlaringa
daily tcalance for each !lay in the Trilling cycle; (2) ad(li.n;r all the daily balances r )geiher;
PAYMENTS
We credit ma Jed paynncia as of IJte elate received, if the payment is; (1) rtteived by
5 p.m. local t(mc at the address.,iiiown on the remittance slip on the front of your monthly
statement; (2) paid with a check drawn in U. S. dollars on a U.S. financial institution or
a L.S. dollar money order; and (3) sent in the return envelope with only the remittance
portion of your statement accnmpan in; it, Payment, received by rail after 5 p.m. local
nme atthe remitonewMdre.,s on anydayincludingthe. Payment One Date, hnt that
ntherwise meet the above requirements. wi Il be. credited as ofthe next day. Payments
made online or sty phone will he etrditecl a of the cL•i.te of receipt if trade by 5 prin. Central
time. Credit. for any other payment; may be delayed up to jive days.
No payment shall uperate: as a n accord turd satisfatetion without the prior written
approval of one (if our boner Officers.
We, pr( cx ss must paymcntchccli electronically by using the information found on
your c }neck. Lach check authorize, us to create a one-time electronic funds transfer (or
prnressit.asache?korpaprrdra.ft). h'urns?s!nayheuithdrawmfr?myourartount.ass?on
m the same day we receive your payment. Checks are not returned to you. Nor store
information or to stop the electronic ftii)ds trausfer., call us at the number listed on
the front.
If eUhaveauthorizedusLolityourcreditCardbill au.tomati(allyfront your savings
urche kint,accountWitiiu_,yOncaaslopthepaymentonanyamo untyouII is
wrong;. To step payinent.yourlettcrr_nList rcachutiatleast threc.busiucnsdays hcforethe
automatic payment is ?chcdulcd to occur.
and Q, dividing the sum of the daily balances by the number of days in the billing cycle.
TV calculate the daily balance fur much dity in this Statemoat's billing cycle, we lake the
beginning balance, adJ au iwiount equal Lo, the applicable Dady' Periodic Rate multiplied
by the previous clay's ila ih• balance, acid new Purchases, newAccomat Fees, and new
TS-ansaction Fees; iuid subtract applicable payments andcredits. Ifany cL'til ybalance is
less than zero we, treat it :u s zero. If the Prrv scot s Balance, 3hnwn on chi s s .ale mint w a s
paid in full in this statnment'; bi Vino- cycle, then on the eliy after that. payment in full
date, we exclude from -he beginning balance new Purchase;, new Account Peen and new
't'ransaction fees which posted on or before that payment in full date, and we do not add
new Purchases, newA count Fees, or new Transaction Fecs which post ttftcx that payment
in full date.
Wae include the fees for credit card debt canueliatioit or credit inseu ance It urehased
Llirough us in talculat ng the lteginuing balance for the first day of the billing cy cle after
the billing cycle in which such fees are billed.
TOTAL INTEREST CHARGE COMPUTATION
Interest: Charg;es:,.crrne and are compounded on n, daily basis. Tri determine the
I ntrresG ('barge, n P, m u ltiplt• rash Bala:nce. Su bject to Interest Bate t!F it: applicable I lai)y
Periodic Bate and that resnIt hyrhe. number of days in the billing ryrle.. '1'o determine
the tnta 1 Interest Chsrgr for the hilling ryrle. we acid the Peuindic 1{air Into est Cha.egrs
tug other. A Daily- Pcri(klic Rate is calculatud by dividing an Annual Percentage Rate
by ills,
HOW WE ALLOCATE YOUR PAYMENTS
If your account bas balances with different.'1PRS, we will allocate IIleaniou nt of
your payment equal to the Tolal :ilinimum Pax•ntetit. Due to the lowest APR balances first
(inclnding; t.ransactinns made after this statement). Paymcntamounts in excess ofyottr
T'ntal Minimilm Payment Due. wilt be applied to hainnees with higher APB; before balances
with lower A PRs.
IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE
When using the optional Pay-by-Phone acr yicc, you authorize us t(u initiate an
electronic pavmcntfrom your account at thefinancialinstitution you designtnte. Tuamust
authoriz(itheamount.uidtiming ofe4whpayment. rurruur+trutection,wewitlaskfor
security information, A fee may a pph. To Cancel. call us befor c the scheduled payment
dare. Same-day payuients carunot be edited or canceled,
MISCELLANEOUS
For the complete terns and conditions nt'youraccount, consult your (S•edit Card
Agreement. F1.3 (' and 5enices is a tratiename of FIA Card Services, N.A. Thi; :ucount is
issued and ndminist>rrd by NIA Card Services; N.A.
Ifyoarbillingaddress or contact information has changed, or ifyour address is
incorrect as it appears on this bill, please provide all corrections here
.Address 1
Address 2
cit.)
Stan:- Zip
Area Cade &
Home Phone
Area C:nde x
Wbrk Phone
Bankof America
4100-
4500 66001150 0327
May 12 - June 10, 2010
Page 3 of 4
rrensectlon Posung
Date Date Description
Reference Account
Number Number
Interest Charged
06/10 06/10 Interest Charged on Purchases
TOTAL INTEREST FOR THIS PERIOD
Total fees charged in 2010 $0.00
Total interest charged in 2010 $404.69
Amount Total
65.28
$65.28
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Promotional
Percentage Transaction
Rate Type
Balance Transfers 6.508
Cash Advances 6.508
Purchases 6.508
Promotional Balance Interest
Offer ID Subject to Charges by
Interest Transaction
Rate Type
$ 0.00 $ 0.00
$ 0.00 $ 0.00
$12,218.47 $65.28
APR Type Definitions: APR Type: Temporary APR (APR for special circumstances)
BankofAmrica
Account Information:
www.bankofamerica.com
Mail billing inquiries to:
BANK OF AMERICA
P.O. BOX L%26
WILMINGTON, DE
19850-5Q28
Mail payments to:
BANK OF AMERICA
P.O. BOX 15019
WILMINGTON, DE
19886-5019
Customer Service:
L800.898.3698
(1.8003463178 TTY)
MICHELEA RICARD
Account Number: 4500 6600 1150 0327
June 11- July 12. 2010
New Balance Total ...................................................................$12,014.66
Current Payment Due ....................................................................$270.00
Past Due Amount ..........................................................................$540.00
Total Minimum Payment Due ..........................................................$810.00
Payment Due Date ..........................................................................8/8/10
Minimum Payment Waring: 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:
Only the minimum 4 years $13,614.29
payment
If you would like information about credit counseling services, call
1-866-300-5238.
Previous Balance ...................... $12,216.15
Payments and Other Credits ..............: 270.00
Purchases and Adjustments ......... ...........0.00
Fees Charged ....................................................0.00
Interest Charged ................................ ............88.51
New Balance Total ....................... $12,014.66
Credit Line .................................. $15,400.00
Statement Closing Date .............. .....7/12/10
Days in Billing Cycle .................... ..............32
Transaction Pcsmg Reference Account
Date Date Description Number Number Amount rote/
Payments and Other Credits
06/16 PAY BY PHONE PAYMENT -270.00
-$270.00
Interest Charged
07/12 07/12 Interest Charged on Balance Transfers 0,00
07/12 07/12 Interest Charged on Cash Advances 0,00
continued on neat pqp...
09, 0120146600081000000270000004500660011500327
BANK OF AMERICA
P.O. BOX 15019
WILMINGTON, DE 19886-5019
MICHELE A RICARD
450 S 3RD ST APT 1
LEMOYNE PA 17043-2003
Account Number: 4500 66001150 0327
New Balance Total ..........................................................$12,014.66
Minimum Payment Due .........................................................810.00
Payment Due Date ...................................................08/08/10
Enter payment amount $
El Check here for a change of mailing address a- phone numbers.
Please prowde a/l convotons Gh the rOMM& side.
Mall this coupon along with your check payable to HANK OF AMERICA
1: 5 2 40 2 2 2 50,: L L L 500 I L 500 3 27n,
IMPORTANT INFORMATION ABOUT THIS ACCOUNT USE411 Rev. 07/10
CUSTOMER STATEMENT OF DISPUTED ITEM - Please call tnR (rPeI.866.258.02J2 birntda.y Thxttsdriy 8 a.m. 9 p.m., Friday 8 a m 7p.m. and 8ohirdoy 8 a.=.-6 p.nt. EasGern?
F'vr prnrnJtl .curnirg > lcv, e hui;elf+c nl!trch<utt reji,-caa<: ru s:fmr;g 1 r t nt!cL':)1r+ur lfic .krtrr,+e(:+'; {n gtte'Strv++ _
PLL A9E DO NOT ALrL;R WORDING ON T) liS 1rORA1 AND DO NO'J' 1LAJL YOUR Id: TPLU Olt Y OI?-M %-I Ili YOU a PAY*&IUN l'. Chooso mtic one (i]sputc reason.
Your Nitme: Account Numhor:
7Y:aneactionDate: pnsung Date:___ ReferenceNnmber:
:),mounl$ IY;spuu+d.Lnount&: Nlvrchmithame:
1 L'Ph ammtntofthecLtare, wtsinerta edfmme tos .or riyside:xhpw•tw
addrel imvm+.1,}. 1' wlo-I is a ropy of the s, d- Ii Ihal-b- ther.!lrrrt•6amrrnnL
2.1 rtiRthat.tur _hargelisaxtaboveuasnutmddr::rvmemapertmiitatiorizedhyme-leuse
my card, nor were the go xis o r stn ice x wpt eser; L vl by tFte I r n,i-w i. rn rerrit•r.d by me or a
person authorized bane.
.,. f have not rereivhl the nmrcL' il:drse th'tl. coos to tat ,hiplx-d w, me nu QeibfiT)D;171.
I have afked the merchant to credit n>,v accouut.
f- •1.Imasi sued:;rwiliLslinil"wa,notsbwnnnmysta,iemrnt-Acopy (ifmycreditslinis
cneloecd. Thomcrehmitba-5upto30(iacKtocrcdityourazccunt.
5. Merchandise that leas r hiiiptd to the his arrived damaged and/or defective. I returned it
on" - /-- (M;f;DD;Y1)andaakcdthe mcrchanttocredit myaccouriLAttachr.
lettLrd-,ribrn;how be mcwbandiac.witsd.ntiaandutldjtu•rtefecidyl'ande.copyoftheprod
ormiurn.
fig "dthoul!'t 1 did t.. a_ ?:.r;{e in the.:alwve t t-ut.:u•t 4m, f luwe. rrtrttatcteA tare merchant- rQ' varied the
mtachandrseott __1\3b1;'DfJ/11-Ian:1°rxtwcsarni;.rrrrlitieitherdidnotrecrive
thin credit or d was aaiatiefacwrY. Attach a letter explaining why Yuu an, disputing this
charge with a copy of the prrof of return. if you aro unable to rctran the m"rchandiie,
7.1 cenify that the chard v in qucscior. was a :in:de tnmsaction, but wag- po3wd twice to my
?Li. r tnrht. I dkd n=n.;... :•rr, she r oml Ll ?a.rs.ka.inn. titan Fl $
i eferencr.', Sale 4'2 Ref'erence,,i
QR.1notitivctthe nuucharton iMM,DU/YYlto,zin(Atheperauthorized order
e+,.. Yal-inn). ptew- nolr :.amyllati'm m 'a Ill 11 YY aII:,Jlle, ell] J. nr a la lpr nl yu!t r eondru a. a 1141
N copy ofyour te.cphone bill showing datz and t;me of canceliativn. Reason for canueliation/
cancellation=
C?9-lthoughIdidengaecinthealmvetr marnon,Ihave,contacedth mcreh ntforcredit.
1't:ciersicc>toFx:prn•, acdon__.,•'_ ..;_ (h141,4)D 1Y; were no:-reu;iccdorunrc•
u n,ati=F.u`„n•. ltfia chat rwrdrs:Tthingl„le aerv¢rexpeli:r•.d,your;U.Irrnphc to re,ol?e
with the tie, rclm-.I and a copy of_7•our contract.
L-J Itl. I ,.erh!' that i d., n<1i. nsstgniie the drains. a Lino. \Aen hanlr: nitro p•ut ide 1.«drgtharna
numhe:rsnext toTheir nruneonwyurbilling tiu meat. Plet.eattemptto anita tthe
me reliant for information.
=111. If your dispute is fora different reason. ple ie Contact u s at the above wle.pltoue number.
tiiy^ttahtrc trat_lirCdl DatC:____ ____
. .......... ...._-.
lag right . 4 Doc y pr. 'Creed hg w I i11,11 i11,jo n lit p t - nt,yl?n Ili III. t rigiII plc t;. re lit rn n.
copyorviiiformand,ny:.uppuriiit iiifotattatmnrel irdingthe;merchantthat'n1 .nque,-,titmto:
Attn: Billing Iuqulties, RO, Box 154'L5, Wilmington, DE 19830.5080, USA.
N.ISaFi?K1.F. P Ili 1.0 HI,i INA J. I,Uli 40 1111 HI .:OR&; AN 0.-iJ.KDA(Y VY 01"1'l i l S 9l'A'IFM ENT.
GRACE PERIOD/PAYING INTEREST
"Grate Period" means the period of tune during a billing tyc e W}t(in you will uvt
accrue interest oil certain u-an,aaious or bzlanees. There is uo Grace Period for Balance
Transferg or Cash Abt auees. if you pay in full this statement's New Balance Total I)y
its Payment Due Dates and if you paid in full this statement's Previous Balance in this
statement's hiJlinR cy6c-, then you will have a Grace Period (Inring the billing cycle that
began the day rafter this statement's Clos ing Date nn the Purchase portimi? of this
statement' New }lalanre'I'Mal. Ifyou do notparin fall this statement'sNew balance.
fatal by i s Payment Due Date butyou paid in full t.hls statement's Previous )lalanm by its
Payment Due Daze, then you will have a Grace Period during the billing cycle that lxcg an
illy day ufta:r this siatcmcnt`s Closing Uau; un tlrc aauuunt of the purcha_u balaurle yuu poi'
by die Payment. Due Date following our payment allocation mcthol.
CALCULATION OF BALANCES SUBJECT TO INTEREST RATE
Average Balauce Metbod (including new Bahuce Tran:?fen and newCasb;Wvanees):
IVe calculate separate Balances Subject to an Inter"t Rate for Balance Transfers,
C'ash.Arh•:snr:e.s,andfire..uh Primal.innal[)fferbalarrxnr..onsi=tingnfl6aJance'Iransfers
nr ('ash Adv&nees. Wf,, do this ht': (1) e.,Wnilating a daih• halance fir each day in this
statement's hit ling cycle: (2) calculating a da ily halance for each day prior to this
statements billing cycle that had a "Pre-Cycle halance"-a Pre-Cycle halance i s a Balance
Transfer or Cash Advance with a transaction date prior to this statement a billing cycle brut
with a posting date within this sLatouu=ut's billing cycle: t3) adding all tile daily balalAUGS
together; and (.4) dividhrg the swat of the deity balances by Lbe number of days in this
staiernents billirrg cycle.
To calculate the daily balance for each day in this statements billing cycle, we take the
beginning balance, add an aniount ecpraJ to the applicable Daily Periodic Rate niultiplied
hythe. preiimis day's daitc balance, add new halaneeTra.nsfers. new ('ash Advances amt
T r:an.ution I'ePS, anti sn htract applic ahle paymients a raI crP a ids. If any dai fay balance is
legs than zero we treat it, as zero.
To calculate a daih• Ndance for each day prior to thin. statement's billing cycle that
had a Pre, Cycle balance, we take the }.rlmining balauiuc attributable solely to Frc-Cyul
balances (which will be zero on the transaution date of the first Pre Cycle balance), add an
amount equal to the applicable Daily Periodic Rate lmultipiied ley the precious day's daily
balance. and add only the applicable Pre-Cycle balances, and their reltued Transaction
Fees. We exclude from this calculation all transactions posted in precious billing cycles.
Average Daily Balance Metht d (including new Pui-diasL-s):
We calculate settar'ate Balances.qubjem to an Interest Rate for Purchases aild for
each Promotional Offer balance cctnsistiug of aircnaees. 1t-e do this by; (1) clilculaaing a
dai)ybalance for each dayin the billing cycle; (2)addingall, the daily balances together;
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 slip on the front ofyour 111011 KY
statement; ('2) patio with a chcck drawn in U.S. dollar-., on a U.S. financial institution or
a. US. dollar muncy order; and {31 sent in the return envelope with o4 v the remittance
portion of yiur statement /accompanying it Payments received by mail after ,5 p.m. local
time at the remitta.ncc addre>s on any day including the. Payment. Due Date, but that
othe.mvi;se meet the %hove rerp7irem ents. Till he credited as ofthP next day. PaymP.rits
made on Ii ne or by phone will be. credited a s of the date of receipt if made by!-) p.m. [ventral
time. Credit for any other pa-ments may be delayed lip to five days.
No pa,yrneut shall o(erate as an accord and satisfaction without the prior written
apprV Fill of one of o ur Senior Officers.
We process most paymern checks ulcctrunically by Using the information found on
your c:hee$. Each che(:k authurizce us t.() create; a one-time c:li.'L'tronic funds transfer (or
process it as it check or paper draft). Pundit may be withdrawn fmm % uraccount as soon
a' the same clay we receive your pacm)ent. Checks are. not. returned to you. For more
information nr to Out) the eiectronicfurids transfer;, call us atthe, nomher lisu'd on
the front.
Ifyou have anthor'ized its to payyour•credit card hill automatically froniyour a%ings
oe checking account with uJ, you can stop the payment on auy amount you think ii
wro.og. To stop payine ill, your letler must reach us at least three busine, s plays before the
automatic payment is schudulcd to occurr,
and (3) dividili the sum of the dairy balaucas by [lie number of days in the billing cycle.
To calculate the ditily balance fur cad- i day in tills si rlemunt's billing cycle, we take the
beginning balance, add an amu lint equal to the applicable Daily Periodic R.-ae mul Liplied
by the previous day's daily balance, acid new Purchases, new Accotuit Fees, and new
Transaction Fees, and subtract ar±plicatble payments and credits. Tfauy daily balance ic,
less than zero we treat it m zern. If the Prtwiou s balance, shown on this st a „ement ", s
paid in full in this statement's hilbing cyrle,then on the d.ayafter that nayment in fill
date, we eccluclP frnin the Iwgitmbnr habanrx. new Purchases, new;3crnunt Fees and new
'T'ransaction fees which pasted on or before that payment in full date, and we, do not acid
new Purchases, new Account Fecs, or new Trans action Foos which post after that payment
in full date.
We include the fe vs for credit card debt utnueliatiuu ui credit insurance purchased
through us ill ualculating the beg-ictuingbalauce for the first. day of the billing cycle after
the billing cycle in w hick Fuck fees are billed.
TOTAL INTEREST CHARGE COMPUTATION
Interest ('hargPS:ucnre and are compounded on a daily bads. 'Po determine the
I1NPTe5t (,I7a.2'E,e, w'P. lr tllitpll'racla balallfe.'ill I'1]P(:t tp interP.:t bate hyits appleable Daily
Periodic. Nate and that result by the mimher of days in the hillin° e} ele. To determine
thee tetra l f nt -rest Charge fir the billing c yc Je, wrc: acid the Periodic Rata: lrta.rest Charges
together. A Daily Periodic Rau' is calculated by dividing ail Annual Percentage Rate
by 3(ii.
HOW WE ALLOCATE YOUR PAYMENTS
Ifyour accouut 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 trans-"..inrs node afterthiS statLment). Payment:iltlOUnts in excess afyonr
Total Minimum Rq mrrot Due wi f I be applied to ha lances with higher A PNs before halaances
with lower A PKs.
IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE
When using the optional Pay-by-Phone service, you authorize us to initiate an
clcctr onic payment from your amo unt at the financial institution you designate. You must
aiithorizr; the amount avid tinning of otu:h payment- Fur you.,protection, we wiU itsk for
security information. A fee rally apply. To c rrrcel, call us before the scholuled payment
date. Same-tlavpayrnentscarutotbeeditedor culweled.
MISCELLANEOUS
For the complete terms anti, conditions of your account, consu It your Credit Card
Agreement. FIA Card tier vices is s tradenante of FIA Cnvj 4ervices, N,A. Thic account is
issuer] andadministererl by FIA Card Services, N.A.
Ifyinur billing address or contact information has changed, or it'your address is
incorrect as it appears nn this; bill, pleageprm•ide all corrections here.
Address1
Address2
City
9tatc Zip
Area Code
IJnme Phone.
Area Code K
Work Phone
Bankof America
44001.
45006600 1150 0327
June 11- July 12, 2010
Page 3 of 4
Trensection Posting Reverence Account
Date Date Description Number Number Amount Total
Interest Charged
07/12 07/12 Interest Charged on Purchases 68.51
TOTAL INTEREST FOR THIS PERIOD $68.51
Total fees charged in 2010 $0.00
Total interest charged in 2010 $473.20
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Promotional Promotional Balance Interest
Percentage Transaction Offer ID Subject to Charges by
Rate Type Interest Transaction
Rate Type
Balance Transfers 6.509 $ 0.00 $ 0.00
Cash Advances 6.509 - ---- - $ 0.00 $ 0.00
Purchases 6.509 $12,021.59 $68.51
APR Type Definitions: APR Type: Temporary APR (APR for special circumstances)
BankofAmerica..
MICHELE A RICARD
Account Number: 4500 6600 1150 0327
July 13 - August 10, 2010
Account Information:
www.bankofamerica.com
Mail billing inquiries to:
Bank of America
P.O. Box 15026
Wilmington, DE 19850-5026
Mail payments to-.
Bank of America
P.O. Box 15019
Wilmington, DE 19886-5019
Customer Service:
1.800.8963698
(1.800.3463198 TFY)
New Balance Total ...................................................................$11,805.61
Current Payment Due ....................................................................$270.00
Past Due Amount ..........................................................................$540.00
Total Minimum Payment Due ..........................................................$810.00
Payment Due Date ..........................................................................9/8/10
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:
Only the minimum 4 years $13,346.70
payment
if you would like information about credit counseling services, call
1-866-300.5238.
Previous Balance ......................$12,014.66
Payments and Other Credits ..............-270.00
Purchases and Adjustments ....................0.00
Fees Charged ........................... .........................0.00
Interest Charged ............................................80.95
New Balance Total ............. .........$11.805.61
Credit Line ......................... .........$15,400.00
Statement Closing Date ..... ..............8/10/10
Days in Billing Cycle ........... .......................29
Trensaction Poscng Reference Account
Date Date Description Number Number Amount Total
Payments and Other Credits
07/16 PAY BY PHONE PAYMENT -270.00
-$270.00
Interest Charged
08/10 08/10 Interest Charged on Balance Transfers 0.00
08/10 08/10 Interest Charged on Cash Advances 0.00
cwtinued on next paye_..
09 0118056100081000000270000004500660011500327
BANK OF AMERICA
P.O. BOX 15019
WILMINGTON, DE 19886-5019
Account Number: 4500 6600 1150 0327
New Balance Total .........................................................$11,805.61
Minimum Payment Due .........................................................810.00
Payment Due Date ...................................................09/08/10
MICHELE A RICARD Enter payment amount $
450 S 3RD ST APT 1
LEMOYNE PA 17043-2003
Check hefe fora charge ofmailifgad&asa orphone numbers.
please prowde all coaacbons on the remma side.
Mall this coupon along with your cheek payable to: Bank of America
1:5 2 40 2 2 2 50II: LLL500Li50032711
IMPORTANT INFORMATION ABOUT MS ACCOUNT
CUSTOMER TIPS FOR DISPUTED ITEMS
M aqq times disputed rharges Arc legitimate charges that customers inay not recognize
or remember. Before di spot in . a rharge we return mend that gnu verify 3. hew thi nn
and make everq effort to resolrethe disputewith the merchant. Often the memhaut can
answeryour questions and ea.-ilyresoh•eyour dispute. The merchant's phone number
nun, be located on yo ur receipt or billing statement.
• Has & credit posted toyour account?
Please allow up 1o30 days from the elate on tour credit voucher or
acknowledgement letter for the merchant credit to pout.
• Is the charge or amount unfamiliar?
Check with utherpersons authorized to use the i countt to make sure they
did not make the charge. It is possible that the mcrchuuts-' billing ntunes
and swre nanms are different or amounts can easily lie confused with similar
charges or include tips.
One waq to check for the credits or to viewtransaction details is to look at moor
account strteutents online. If you axe not enrolled in Online Ranking, it is east- to enroll
using the web address on the front. of yours€ate;neut or give u a cailL
Please remember: Once you reeeiveyour statementwith a transartiontrou wish to
dispute, you nn fyr haere 60 days to dispute the charge.
GRACE PERIODIPAYING INTEREST
"Grace Pcrio d" muans the period of thne durirrgab!llingcy'cle wherryou will not,
au:croe iuter"t un certain transactions or balances. There is no Grace Period for Balance
Transfers or Cash Advances; we begin charging interes t ortBakwce Transfers and Cash
Advances on the transaction (late. We i il) not charge interest on 1"u chases on the nest
statement if you pay the New Balance Total in fill he the Paymtent Due Date, and you ha+i
pa id in fnli by the, premmtR Kkyntent Do e. Ili te..
CALCULATION OF BALANCES SUBJECT TO INTEREST RATE
Average Balance Method (incdu ding new- l3alanev'fratl4fers and new Caaah Advances):
We calculate separate BaLinces Subject to a n Intl;rest Rate for Balance. Transfers,
Cash :Advances, and for(uchPromot.ionalOffer 1xilanu consisting of Balance Transfers
or Cash. Advances. We do this by:' 1) calculating a daily balance for each (lay in this
surleruefiVs billing cycle; (2) calculating a daily balance for each day prior w this
staement's billing cycle that had a, "Pre-Cycle b,'ilance' -a Pre-Cycle balance is a Balance
Transfer or a Cash Advance with a transaction date prior to this statement's billing
ryelehilt with apostingdatewithinthis tatement'.cpillingcycle; (3) addingallthe daifc
ha laeeeszogetner; And '4) dividing the sum ofthe daily ha lanres by the namberof days in
this statement's hilling cycle.
To ralcudate the dwlybmiancc for crtth day in this statement's billing cycle, we take the
beginning balance::, add an amount cquail to the applicable Darks Periodic Ratc multiplied
by the previous: day's daily balance, add newBaLurceTransfurs, new Cush Advances and
Transaction Fees, and subtract applicable pay inen N and credits. If any dai.+• balaulc; is
less Wan zero we treat it as z.e.ro.
To calculate a dais balance for each day prior to this statement's billing cycle thait had
a Pre-Cycle balance, we take the heginnintr halartce attributable solely to Pt'e-Cycle balance
(which will be zero on the transaction date. of the first Pee-( c!e balance), acid an amount
equal tothe applicable I )ailr Pprindir Kue multiplied by the preyions dAV s daily Valance,
and a dd nnh ibe applicable t're-Cycle balance, and their related Transaction Fees- A4'e
exclude from this calculation all transactions posted in previous billing cycles.
Average Uaily Balance Method (including new I'u rChaAP.F):
We calculate separate BaUnccs Subject to an interest Rate for Purchases and for
cache Promotional Offcr balance consisting of Purchases. X4c do this by: (1) calculating a
daily balance for ciuh day in the billin, cycle; (2) adding all the daily balances together;
and 13) dividing the sum of the daily balances by the uonnber of days in the billing; cycle.
To calculate the daily bakwee for eiu.h daisy in this statement's billing cycle, we t•alce the
beginning balance, add an amount equal to the applicable Daily Periodic Rate multiplied
by the previous (Lay's daily balance, add new Purchases, new Account Fees, aid new
Transaction Fees, and suhtract applirahie payments and rredits. If any dais halance is
PAYMENTS
We. credit, ms iled payments p,. oft he. date received, if the. payment is: (1) rereiverl h.y
F, m.loealtimeaxtheaddresashownonthe. remitty.nrestiprnitftefrontuf}onrmoathfy
statement; (2) paid with a check drawn in US. dollars on a IT.S. financial institution or
a U.S. dollarmoney order; and (3) ?ent in the return envelope with orily the remittance
portion cdyourstlteutenl LaUCellipal)l'In? it, Payments received by mail after 5 p.m. local
time at the remittance address on arty dtiay including thu Payment Due Date., but that
othenvisc meet the above requiremunts. will be credited as of the nest day. Paymonts
made online or by phone will b e credited as of the date of recuipt if made by 5 p.m. Central
time, Creditfaranyotherpa}nrentsmaybPdeiAyeduptnfivedays.
Nopayment shall nioerazeasan arcm•d 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 W create a one-time electronic funds transfer (or
process it as a check or paper draft). Ponds uuty be withdrawn from y'ouraccount as soon
as the same daywe.roccive your paymcni. Checks arunut rettuncd tuyuu, For Inure
information or to stop the ele ironic funds transfers, cull us at the numberlisted on
the front.
if you have authorized us w payyour credit card hill a utoma tics I ly from your sayings
or checking account with ua, ymt can stopthe payment on anyamour t.you think is
wrong. To step payment, your letter must reach us at least three hushie.ss days before the
automatic payulenl is scheduled W. occur.
USE511 Rev. 08/10
Vb
Online I cent urg is avaiLdlle, 24 to wn s a d,*-: 7 days a meek and
allows S"u To i'it wth(: most r(-(.ert di tic';TN' on your g cxount,
PHONE
1.86a266JY212
i
For prompt service, please have the merchant reference mllnher(s)
available, for the charge() in question.
I
,
MAIL
Attn: Billing Inquiries PO Box 15028, Wilmington, DE 1821505028
j Netlenwriting, please include Your Name, Account Number, the
® reference number of the disputed item and specific details regarding
j your dispute, including datesnfcontacta+iththe merchant.and the
j meechart'sresponse in each instaone. Pleaseincludealtsupporting
i documentation, inriur inr stales and credit vouchers, contraetand
j postage -eturn receipts as proofnf arc returns.
L --
less than ceru we trust it as zero.
We include the fees for credit Gard debt canuliatiun of crrdiI insurance porctnasud
lllruugh us in u dculaung the begirulingbatance for Elie First, clay of the billing cycle after
the billing cycle in whi(% such fees are billed.
TOTAL INTEREST CHARGE COMPUTATION
Interest ('h:+rges accrete and are. conlpnunrled nn a dailq hasis. TO determine the
hnerest Charges we multiple' each Ha)anci Subject to 1 ntersA Kate, ley its a pplienble i laity
Perindir Kate. And that resuIt bvthe number of days in the. haling ryrle.. To determine.
the tots Intcre;t Charge for the billing cycle. we ,uid the Periodic Hate Interest Charges
together. A Daily Peri(xlic Ttatc is calculated by dividingan Annual Pcrcentagc Rate
byJt i,
HOW WE ALLOCATE YOUR PAYMENTS
If your account has balances with different APP,, we will allocate the amount of
moue payment equal to theToudItfinimumPayment Dueto'the lowe tAPRbalancesfirst
(inclarlint; transactions made after this statement). Paymient atnlmints in excess cfynur
1,001 A•1 inimnm Payment I )ue et?l l be applied to balances with higher APRs before hadances
with lower A I'Kc.
IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE
When usin; the optional Pay-by-Phone service, yon authorize us to initiate. an
electronic pavmcntfromyourrecountatthcfinancial institution youdestiginae. You must
authorize tltu amount,rud tinting of e4wh puymcnt. Put your prut.uction, we, willask fur
security informatiuu. A fee may apply for expuditud survive. To canev.1, call its before: the
sdreduled paymei t date. Sa me-day payments can riot be edited or canceled.
MISCELLANEOUS
For the complete terms and conditions ofimurarcou tit, cmisii ItyonrC redit Card
Agreement FIA (:ard tinge ce, is a era,lenamP Of h'IA Card Set'eices, :N.A IN .&rc(mnt is
issued and administer,cd by b'1A Card Services, N.A,
Ifyonr billingaddress or contact information has changed, or if your address is
incorrect as it appears on this bill, please provide all corrections bare.
Address 1
Address 2
City
Stank Zip
Area Code
f tome Phone
Area Code X
l4'ork Phone
0
Bankof America
4500 66001150 0327
July 13 - August 10, 2010
Page 3 of 4
Transaction Posung
Dete Date Desanpoon Reference Accounr
Number Number Amount rota)
Interest Charged
08/10 08/10 Interest Charged on Purchases 60.95
TOTAL INTEREST FOR THIS PERIOD $60.95
Total fees charged in 2010 $0.00
Total interest charged in 2010 $534.15
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Promotional Promotional Balance Interest
Percentage Transaction Offer ID Subject to Charges by
Rate Type Interest Transaction
Rate Type
Balance Transfers 6.504 $ 0.00 $ 0.00
Cash Advances 6.504 $ 0.00 $ 0.00
Purchases 6.504 $11,902.04 $60.95
APR Type Definitions: APR Type: Temporary APR (APR for special circumstances)
s
BankofAmerica
400
MICHELE A RICARD
Account Number: 4500 6600 1150 0327
August 11- September 10, 2010
Account Information:
www.bankofamerica.com
Mail billing inquiries to:
Bank of America
P.O. Box 15026
Wilmington, DE 19850-5028
Mail payments to:
Bank of America
P.O. Box 15019
Wilmington, DE 19686-5019
Customer Service:
1.8x0.898..3698
(1.800.3483178 TM
New Balance Total ...................................................................$11,599.70
Current Payment Due ....................................................................$270.00
Past Due Amount ..........................................................................$540.00
Total Minimum Payment Due ..........................................................$810.00
Payment Due Date ........................................................................10/8/10
Minimum Payment Warnint. 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:
Only the minimum 4 years $13,078.99
payment
If you would like information about credit counseling services, call
1-866-300-5238.
Previous Balance ......................$11.805.61
Payments and Other Credits ..............-270.00
Purchases and Adjustments ....................0.00
Fees Charged ....................................................0.00
Interest Charged ............................................64.09
New Balance Total ...................... $11,599.70
Credit Line .................................. $15,400.00
Statement Closing Date .............. .....9/10/10
Days in Billing Cycle .................... ..............31
rranseoton Posting Reference Account
Date Date Deacnpton Number Number Amount rots/
Payments and Other Credits
08/16 PAY BY PHONE PAYMENT _270.00
-5270.00
Interest Charged
09/10 09/10 Interest Charged on Balance Transfers 0.00
09/10 09/10 Interest Charged on Cash Advances 0,00
continued on next page...
09 0115997000081000000270000004500660011500327
BANK OF AMERICA
P.O. BOX 15019
WILMINGTON, DE 19OWS019
Account Number: 4500 66001150 0327
New Balance Total ........................................................$11,599.70
Minimum Payment Due .........................................................810.00
Payment Due Date ..................................................10/08/10
MICHELE A RICARD Enter
450 S 3RD ST APT 1 Payment amount $
LEMOYNE PA 17043-2003
Check here fora change ofmai/irg*address a-phone numbers.
Please pronde a// correctons on the reverse side.
Moll this coupon along with your check payable to: Bank of America
1:5240222SOC LLL500LL50032711'
IMPORTANT INFORMATION ABOUT THIS ACCOUNT
CUSTOMER TIPS FOR DISPUTED ITEMS
111a ny tim es disputed charges are. le itimaie charges t hat cu sun nera may not. recognize
or remember. Before dr puting i charge, we. recommend that you verify a few things
and tnakeez-eryeffort toresolve 0-odisprrtewiththemercbant.Often themerchaut tan
ausweryou r questions a.nd easily resolve your dispute. The merchant's phone number
statement
may he located on yotu receipt or billing
• Hasacreditposted toyouratccaunt?
Please allow- up to30 days from the date on your credit voucher or
aukrnowledgernent letter for the merchant credit to post.
• Is the charge or amount unfamiliar?
Check with other persons authorized to use the account w rnake sure, they
did not make the charge. Itispossiblethat themerchant5 billing names
and slure names are diffumut or amounts emi easily be confused with similar
clmrLros or include tips.
l Ins way tin check for the credits or in view t.ran .action details is to look at your
account stateunents online. If you are not enrolled in Online Banking, it is easy to enroll
tieing theweb address on the front ofyour statement or give us a call.
Please remember: Once you receive your etatementwith a transaetirm you wish to
di spate, you only have 60 days to dispute the charge.
GRACE PERIOD/PAYING INTEREST
"Grace Period"nicatrs the period of [inns during it billing cycle when you will not
accrue inlarest on certain tnansaclions or balances. There is no Grace Period forBala.nce
Transfers or Cash Ad auce>; we begin charging interest on Balance Trannsfers and Cash
advances on the tnannsactiou date. We will not charge interest on Purchases on the nevi
stitemr. nt if y en pay the New Ra lance `(oral in fiill by the Payment I)ne Date, and yon haul
paid in hull hynheprevionR paymott Due Dare.
CALCULATION OF BALANCES SUBJECT TO INTEREST RATE
Average Balance Method (includmg new BalanccTransferrt and new Cash Advances):
We calculate separate Balances Subject to an Interest Rate for Balance Transfers,
Cash:ldvanues,andforeachFruurutionalOfferlhtlanu cuasistiunrufBalanuuTransfers
or Cash Advatnxs. We du tltis bv: (1) culuulatiru.=, a d n1y bedance furctwb day is thi=
sudement s billing cycle; (2) calcul:nlrrrti a danliy balance. fur each clay, prior to this
statements billing cycle that had a `Pre-Cycle h,.alance- -a Pre-Cycle balance is a Balance
Transfer or a Cash Advance with a transaction date prior to this statements billing
cycle but.with a postingdate. within this Rtatenent's billing cycle; (3) ielrlhrg all r,he daily
halancesingether; and (d) dividing'the, sum of the daily balances by the number of darn in
this statement': billing cycle.
To calculate the dai iy balance for eacrh day in this statement's billing cycle, we. take the
bcgirnning balanuc, add an amount equal to the applicable Daily Periodii; Rate multiplied
by the previous day's daily balance, add now Bulaueu Transfers, new Cash ddvauces and
Irwisiu tiun Fees, and subtract applicable paynicuts and credit-s. If any daily balance is
less Dian zero wee treat it as zero.
To calcuLue a da dv balance for each clay prior to this statement's billing cycle that had
a Pre-tvcle balance, we take the heginning halance attribntable solely to Pre-('vcle halancr
(which will be zero on the transaction date of the first Pre-Cycle balance), acid an amount
equal totheapplicable. Daily Periodic Rate multiplied by the previous day sdailyK%Ianre,
and add unit theapphratale.I're-Cycleballances,andtheir related'fransactionFees. We
occlude from this calculation all transactions posted. in previous billing cycles.
Average Daily Balance Method i including new Purchasesi:
We. calculate separate Balances Subject to an lntcre;t Bate for iurchases and for
each Promotional Offer bald neecon:nisitiingofPurchase s.i cdothisby: (1)calculatinga
daily balance for satin day in the billing, cycle; (21 adding all the daily Bala aces together;
and 13', dividing thu sum of the daily balances by the number of days in the billing cycle.
To calculate the daily balance for each dakr in this statement's billing cycle, we tape the
heginniug bala ice, add inn amount egaal to the applicable Daily Periodic Rate multiplied
by the previous day's daily bca)antce, acid new Purchases, new Account Fees, and new
Iransaaction Fees, and snhtractapplicable payments and credits. ifanc daily balance ie
PAYMENTS
Werredir.ntafled paymnentsaFofthedate received, ifthepaymnentis:(iIrereivedby
i p.m. local time at the aspires-) shown on the remittance slip on the front ofyou r monthly
statement: (2) paid with a check drawn in U.S. dollars on a LT 5. financial institution or
a C.S. dollar money order; and ( R ) sent in the return envelope with only the reaniuauce
portion of your saawrienl accumtiattviug A. Payments received by mail after 5 pan. local
time at the remit funuc addruss tin Ltry day incluciini; the. Paymunt. D ue Date, but that
otherwise meet the atlwvc requirements. will be credited as of thu next day. Po--munts
made online ur by. phone will be credited as of the date of receipt if madc by 5 p.m. Central
time. Credit for a nvotherpaymentsmaybe delayeduptofivedaya.
No paynnent. steal I operate as an a reo•d a nd satisfa rti on without the. prior written
appt-m al of one of onr :senior Officers.
We prcx ess most. paynnent checks electronically by using the infon nationn found on
your check. Each check aathoriaes us to create a one-time electronic funds transfer (or
prcx;essit.a?it chuck or paperdraft). Funds uurybewithdrawnfroinyouraccouatassoon
as the same day we rccuiv your payment. Chocks arc nut returned to you. For murc
information or to stop the clectrcnnic funds transfers, call us at the numberlisted on
the. front.
If you have authorized its m payynur credit card hill automatics Ily front your savings
or checking accountwith ua,you can stupthe. payment on anyamotntyoo think is
wrong. fostop payment,yourletter mustreach usatIeast. three businessday-sbefore, the
automatic payment. is cheduled to occur.
USE611 Rev. 08/10
ONLl E
Online Danlang is available 2hours i day: 7 daces at week a nd
???jjj' rulo?ea crnt u: t:ewthe most occur artivihnn your arrntmt.
PHONE
L8 ti.28ti.0Z12
i Forprompt service please have the merchant reference mnmber(.t)
available for the charge(sl in question.
i _
MAIL
Attic Billing Inquiries PO Box 2: 026, Wilmington, DE IN50.5026
® When wrting,pleascmcludcYour Namo,Account Number, the
reference number of the disputed item and spucnfiu details regarding
your chspute,, i nrluding dates of (contact with the merchant and the
marchant:s reipon>;e in ei ch instance, I'lea,ae include all ?anppntY.ing
doannenuatinn; inAn ding sales anti credit vouchers, contract and
postage refinrn receipts ?s getter of rosy returns.
Foss than zoru we tread it its zero.
kl'e include the fees for credit unrd debt c>anue l'fatiou ur credit insurance purchased
tlnruugh us inn urlculati ig the beginoinng balance for the first day of the billing cycle after
the billing cycle in which s Lich fees are billed.
TOTAL INTEREST CHARGE COMPUTATION
Interest(' hargrgacmie and are compon nded on a daily hasia. To determine the
Interest Chi r,„ e. swemnItiplyeach Balance :Suligemt01nterest hate by its apnlicah{e b ;lily
Periodic Rate and that result by the numherof daps in the hillingcyrle. To determine
the Iota hntcre-t Charge for the billing c y-de, we a ild the Periodic Rag? Interest Chargca
together. A Daily Periodic Rate is calculated by dividing anAnnual Pereenta; Rate
by 363.
HOW WE ALLOCATE YOUR PAYMENTS
If your account has balances with different APRs, we will allocate the amount of
your payment equal to the Toud Minimum Parmen t Due to the lowest APR baLvnces first
fincluclint; trans. coons made after this tatementl. Pa),nnent amounts in excess ofyotnr
Total Minimum Payment Dne will he applied to hn lanAces with higher APNs before halances
with inwer A PKKs.
IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE
When using the optional Pay-by-Phone. Rewire, yon autborize us to initiate. an
electronic payment fronyouraccount at the fir..ancialinatitutiunyoudcsignate. Youunrst
authorize thu amount and timing of each {xyyment. Fur your prutec-tion, Ave will ask fat'
security udorroatiun. ,% fee may apply for w4wilitud survive. To cancel, tail us before the
acheatrdedpisyymrutdate. Same-daypaymenlscaunutheeditedorcancele<l.
MISCELLANEOUS
Forthe complete terms and conditions nfyanuracconnt, cnnsnlt.y-onr (Yrdit Card
Agreement. h'IA(:?rd ieryicesis:ttradenameofMto('arri nices,?i.A. I'hi;:?rrnuntis
issued and:administerfA by FIA Card Services, N.A.
If Soar billing address or enntact information has changed, or if your address is
incorrect as it appears on this bill, pleasepravide all corrections here.
Address 1
Address 2
('.sty _......... ........
Statc 7,ip
Area Code &
Home Phone
Area Code &
ll-ork Phone
Bankof America
4500 66001150 0327
August 11- September 10, 2010
Page 3 of 4
Trensection Posang Reference Account
Date Date Description Number Number Amount Total
Interest Charged
09/10 09/10 Interest Charged on Purchases 64.09
TOTAL INTEREST FOR THIS PERIOD $64.09
Total fees charged in 2010 $0.00
Total interest charged in 2010 $598.24
Effective August 22, 2010, we have changed the fee amount for paying late. If you do not make at least the total minimum payment by your due date, you will be
charged a Late Fee of $25. For any subsequent late payment, you will be charger] a Late Fee of $35; the fee will return to $25 afteryou have made 6 consecutive
on-time payments. You can avoid a Late Fee by paying at least your total minimum payment amount by the due date. Complete details will be mailed to you in
November.
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Promotional Promotional Balance Interest
Percentage Transaction Offer ID Subject to Charges by
Rate Type Interest Transaction
Rate Type
Balance Transfers 6.508 $ 0.00 $ 0.00
Cash Advances 6.508 $ 0.00 $ 0.00
Purchases 6.508 $11,610.24 $64.09
APR Type Definitions: APR Type: Temporary APR (APR for special circumstances)
Bankof America
MICHELE A RICARD
Account Number: 4500 6600 1150 0327
September li - October 12. 2010
Account Information:
www.bankofamerica.com
Mail billing Inquiries to:
Bank of America
P.O. Box 15026
Wilmington, DE 19850.5026
Mail payments to:
Bank of America
P.O. Box 15019
Wilmington, DE 19886-6019
customer Service:
1.800.896.3898
(1.8003463178 TM
New Balance Total ...................................................................$11,665.98
Current Payment Due ....................................................................$270.00
Past Due Amount ..........................................................................$810.00
Total Minimum Payment Due .......................................................$1,080.00
Payment Due Date ........................................................................11/8/10
Total Minimum Payment Waming: 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:
Ony the Total 4 years $13,084.64
Minimum Payment
If you would like information about credit counseling services, call
1-866-3045238.
Previous Balance ......................$11,599.70
Payments and Other Credits ....................0.00
Purchases and Adjustments ....................0.00
Fees Charged ....................................................0.00
Interest Charged ............................................6628
New Balance Total .......................$11,665.98
Credit Line ..................................$15,400.00
Statement Closing Date .................10/12/10
Days in Billing Cycle ..................................32
Transecbon
Date Posting
Date
Descapvon Reference Account
Number Number Amount Tote/
Interest Charged
10/12 10/12 Interest Charged on Balance Transfers 0.00
10/12 10/12 Interest Charged on Cash Advances 0.00
10/12 10/12 Interest Charged on Purchases 66.28
TOTAL INTEREST FOR THIS PERIOD $66.28
Total fees charged in 2010 $0.00
Total interest charged in 2010 $664.52
09 0116659800108000000270000004500660011500327
BANK OF AMERICA
P.O. BOX 15019
WILMINGTON, DE 19886-5019
MICHELE A RICARD
450 S 3RD ST APT 1
LEMOYNE PA 17043-2003
Account Number: 4500 66001150 0327
New Balance Total ........................................................$11.665.98
Total Minimum Payment Due ........................... . .................. 1,080.00
Payment Due Date ...................................................11/08/10
Enter payment amount $
? Check here for a change of mading address or phone numbers.
Please prowwde all ca^recbons on the reverse side.
Mall this coupon aka with your check payable to: Hank of America
is 5 2 40 2 2 2 501: I L L 500 L L 500 3 2W,
IMPORTANT INFORMATION ABOUT THIS ACCOUNT
CUSTOMER TIPS FOR DISPUTED ITEMS
Ma m; tunes disputed charges are le,.itimaie charges that c ustsmers maynot.. recrignize
or remember. Before di sputing a eh Lrge, we recommend that you verify a. few- things
andmakee-eryeffort toresohet.hedisputewiththemerebant.Often themerchant can
answer your questimis and easily resolve your dispute. The merchant's phone number
may be located on youu- receipt or bilhug, s (atemenL
• Hasa credit posted to your account?
Please allow up to 30 days from the date on your credit voucher or
acknoivledgetnetit letter for the merchant credit to post.
• Is the charge or amount unfamiliar9
chew will) oche, per?oi s authorized to use the amount w )-take sure they
did not makethccliargc It is po°siblethat the inerchants•'htllingnuue-i
and store names are diffcr cnt or amounts tats easily be confused with similar
diar6ro, or include tips.
One w3c to check for the credits or to areas iansaction details is to look at your
account stateuients online. If you are not enrolled in Online Banking, it is easy to enroll
using, the web address on the front ofyour s aLertreut or give us a rill.
Please remember. Once you receive your Rtatement with a transaction ym wish to
dispute, you nnly hate 60 days to dispute the charge.
GRACE PERiODIPAY'ING INTEREST
"Grace Peri1KF meatus file period of t.irue during a, billing cycle whwt you will nut
accrue inwrost on certain tiansacli0ns or balwices. 'there is no Grace Period for Balance
Transfers or Cash Advances; we. begin charging interest on Balance Transfers and Cash
Advances on the tmn?action date. We will riot charge; rterestonPurchases onthenext
statement ifyon pay the Kew Balance'rotal in fiifl by the Payment Due Date, anti you had
paid in fitll hy.t.he previous Payment I)ne Date.
CALCULATION OF BALANCES SUBJECT TO INTEREST RATE
Average Balance Method (including new Balance • }'ransfers ;;nd new Cash Advances):
We cakvlatc scl attc Balancc-s SuhjcYx to an L-itcrust ltate for Balance Transfers,
C':xsh:ldvasnces,vnd for each Fnnuotiunal Offer badunu; cuusistiun of Balance Transfers
Of Castr:ldvuuu:s. %3`e do this by : (1) caleadating a. daily balance for each day iu tlu;
suttectfent`sbilling cycle;(2)cadculatitiadaili,balanceforeach dayprior tothis
suttement's billing cy de that had a `Tie-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 hut with a posting date within this =taiement's billing cycle; c3) aeiding all the. daily
ha lances together; and (4) dividing the sum of the daily balanres by the numberof days in
this statement', billing cycle.
To calculate the daily balance for each day in this ,tatcment' billing r?rcle, we trace the
beginning balance. add an amount equal to the applicable Daily Periodic Itate multiplied
bi, the previous day's daily balance, add new Balauco Transfers, new Cash Advatices and
Transaction Fte> ,andsubtractappliwLlepaynn0ntsandcredits.ifanydailybid eeis
less thattzero we treat it as zeroo.
To calculate a dtih balance for each clay prior to this statement', billing cycle that had
aPre•C ciebalance,wetakethe beginni¢,;halanceattributtal>le.solelytoPre-(N halance
(which u!11 be zero on the transaction )late of the first Pre-Cycle balance), avid an amount
eqnal to the applicable Da i le• Peri odic [irate. not ltiplied by the previous data, daily K%lanoe,
and add only the applicable. Pre-(?-cle halancet, and their related Transaction Fee,,. We
exclude from This calculation all transactions potted. in prt:trious billing cycles.
Average Daily fialance A4ethaiiincluchragnear Purchases):
We. calculate separate Balances Subject to an Interest [fate for P. urchazeR and for
cachPromotional Offer baldn cconsistiingofPurchascs.t4edothisby: Mcalculau:inga
daily balance for each duty in the billing Cycle; (3) adding ail the daily balances to other;
and 13± dividing tlrc sum 0I the dailibalatnccs by the n u¢nbcr of derv s is Lhe billiug cycle.
To calculate the daily balance for each daffy in this statement's billing cycle, we take the
beginming balance, acid a i amount equal to the applicable Daily Periodic Rate multiplied
by the previous day's daily balance, acid new Purchases, new Account. Fees, and new
Transaction Fees, and snhtratct applicable payme nts and rredits. if any daily balance is
PAYMENTS
We, rredit "m it ed paymenf s aF of the. d:3t? received, if the payment i ?: (1) received by
:, p.m. local time as the address shown on the remittance slip on the front ofyotir 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 :tiler 51).m. local
time at the remittance a ddre,ss on arty day including the Payment Due Date, but that
otherwise must the alwvc requirements. will be credited as ofthe next day. Payments
made online or by phone ,rill be credited as of the date of receipt if made by 5 p.m. Central
limp. Credit for a nyother pYymlents may be defaced up to five dayR.
No payment. shal l np erate as an arcord s nd satisfa rtion without the prior written
approval of one of our Senior Officers.
We prcicess most payment cheeks electronically by using the information found on
your check. Each check authorizes us to create a one-time electronic funds transfer (or
process it a a check orpaper draft). Funds ntaty be withdrawn from youracm0urrt. a,- $001)
us the same dyy we receive your payment. Chocks are not rcturucaf to you, For more
information or to stop the clectionic funds transfer:-;, call us at the numberlisted on
the front.
If you have ant.hor•ized us to payymrr credit nerd hill automatics fly from your scorings
or checking account with u,,you can stop thepairmenton anyamountyou think is
,wrong. 'Po stop payment, your letter imist reach us at least three busineFs days before the
automatic payment is =chedoled to occur.
USE611 Rev. 06/10
---------- -----
uhne F
0nlint D.rtilcinq is available 24 hours x day: 7 days a week and
aduwR you to t^ewthr most reccnr, ar.tiviti, on,
our account.
i PHONE
L8Jti.266.0212
i For prompt service: pleasehavethe merchantreferenceDom ber(s)
available for the charge(_l in question.
I
MAIL
Attic Billing Inquiries PO Box 15026, Wilmington, DE 19850-5026
When writing, please include YourName, Account Number, the
® reference number of the disputed item and spccific details regarding
your dispute, including dan s of c nttwn with the merchant anti the
merchant,; response in each instance. Please include all -upport.i,?;
{ docume.rtatinn, inrlndingsales anti credit vouchers, rontraetland
postage etarnrereiptsnsproofof:utcreturns.
i
less than zero we treat it its zero.
A-'e include the fees for crcdiI card debt canceliation or credit insurance purchased
through its in calculawaig the beginning balance for the f rst day of (he billing cycle after
the billing cycle in which such fees are billed.
TOTAL INTEREST CHARGE COMPUTATION
Interest Charges :wc-rite and are compou nded on a daily basis. To determine the
i merest Cha r„es we m n ltiply Pasch lialance.Suhjerr, to I nterest fi ate Illy its a pplicable 0a,i h
Periodic [Lite a.nd that result hythe. numberof days in the billing cycle. 'I'n determine
the to al lntcroM Charge. for the billing ccc)e, we m- ld the Periodic Rave Interest Charges
tlinthcr. A Daily Peritdic Ratt•is calculated by dividing an Ann ual Percentage ratio
lay
HOW WE ALLOCATE YOUR PAYMENTS
If your account has balances with different APRs, we will a llocatc the amount of
your payment equal to the Total Minimum Paz,-oent Due to the lowest APR balances first
(inclurlint*, tr tnsact.ions m a e:ifrer this statement). Parmentamounts in excess ofyour
Tnt21 A-limnnim Payment lhiewill be,lppliodto balances with higher APRs before hulances
arith lower A PRs.
IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE
When using the optional Pay-by-Phone Rer-tice, you authorize us to initiate an
cluctronicpaymcntfromyout mfotmtat the fir,wicialinstitutiunyoudcsi?,matc. You must
authorize th0 a mount attd timing of uu h l>aymont. Fur your prututtion, ne will ask for
security iuforaiatiun. A fee may apply for expedited service. To cancel, callus before: the
scheduler[pa<yeneutdaLe. Same-day payment: cannot he edited orcaricOed.
MISCELLANEOUS
For the comp lete terms and conditions of ynnrr aceonni, ennim It your Credit Card
Agreement- F IA C:trd :iereires is a tradenamP Of M IA ('aryl Set 4icPS; ?1.A. I'hi account is
issued andadministered by F•IA Card Services,.N.A.
Ifyour billing address or contact information has changed, or if your address is
incorrect ax it appears on this bill, please pradde all corrections here:
Address I
Address 2
('.Sty
State
Zip
Area Code
}tome Phone
Area Corte k&.
Work Phone
0
Bankof America
410,01.
4500 66001150 0327
September 11- October 12, 2010
Page 3 of 4
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Promotional Promotional Balance Interest
Percentage Transaction Offer ID Subject to Charges by
Rate Type Interest Transaction
Rate Type
Balance Transfers 6.50% $ 0.00 $ 0.00
Cash Advances 6.509 $ 0.00 $ 0.00
Purchases 6.509 $11,631.78 $66.28
APR Type Definitions: APR Type: Temporary APR (APR for special circumstances)
BankofAnwrica
41 ell*
MICHELE A RICARD
Account Number: 4500 66001150 0327
October 13 - November 9, 2010
Account Information:
www.bankofamerica.com
Mail billing inquiries to:
Bank of America
P.O. Box 15026
Wilmington, DE 19850.5026
Mail payments to:
Bank of America
P.O. Box 15019
Wilmington, DE 19888-5019
Customer Service:
L800S96-V%
(1.800.3483178 TM
New Balance Total ...................................................................$11,724.29
Current Payment Due ....................................................................$270.00
Past Due Amount .......................................................................$1,080.00
Total Minimum Payment Due .......................................................$1,350.00
Payment Due Date ........................................................................12/8/10
Total Minimum Payment Waring: 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:
Only the Total 4 years $13,091.97
Minimum Payment
If you would like information about credit counseling services, call
1-866-300-5238.
Previous Balance ......................$11,665.98
Payments and Other Credits ....................0.00
Purchases and Adjustments ....................0.00
Fees Charged ....................................................0.00
interest Charged ............................................58.31
New Balance Total ......................$11,724.29
Credit Line ..................................$15,400.00
Statement Closing Date ...................11/9/10
Days in Billing Cycle ..................................28
7rensactlon
Date Posnng
Date
Dea-pooh Reference Account
Number Number Amount Total
Interest Charged
11/09 11/09 Interest Charged on Balance Transfers 0,00
11/09 11/09 Interest Charged on Cash Advances 0,00
11/09 11/09 Interest Charged on Purchases 58.31
TOTAL INTEREST FOR THIS PERIOD $5831
Total fees charged in 2010 $0.00
Total interest charged in 2010 $722.83
09 0117242900135000000270000004500660011500327
BANK OF AMERICA Account Number: 4500 6600 1150 0327
P.O. BOX 15019
WILMINGTON, DE 19886-5019 New Balance Total .................... ............$11,724.29
Total Minimum Payment Due ..............................................1,350.00
Payment Due Date .................................................12/08/10
MICHELE A RICARD
450 S 3RD ST APT 1 Enter payment amount $
LEMOYNE PA 17043-2003
Check here fora change of meihrg address or phone numbers.
Please pmode all conecbons on the remrse side.
Mall this coupon along with your check payable to, Bank of Amerlca
is 5 240 2 2 2501: L L L 500 L 1 500 3 270
IMPORTANT INFORMATION ABOUT THIS ACCOUNT
CUSTOMER TIPS FOR DISPUTED ITEMS
Aba ny drove disputed charges are le,iti mate. cha rges that customers may not recognize
or rernemhe.r. Hefore di ?prutinF a charge, we recommend that you verifya tew thine
and snake every effort to resolve the dispute with the oerchant. Often the merchant can
answer yottr questions a.nd easily resolve,oar dispute. The merchint'.s phone number
may, be located onyonrreceiptorbilling statement.
• Has a credit posted to your account?
Please allow up to 30 day's h•om the date on "our credit voucher or
acknowledgement lets er for the nierdtaiiI credit to post.
• Is the charge or amount unfamiliar?
Clie k x ith orter persons authorized to u,e the account to make sure they
did nua make the charge It is po sible that the merchants bilhiign tmcs
and siorc: nemi s are diffvr unt or amounts can f asily be confused with ytmilar
charLe s or include tips.
( )ne wiy to check for the credits or in viewtranciction details is to tonk at your
aecomit statements online. If you are not enrolled in 0311ine Banking, it is easy to enroll
acing, the web aii.dress on the front of your• statement or give us a call.
Please remember. Once you receive your statement With a transaction mu Kish to
dispute, you nttly limT, 60 days to dispute the charge.
GRACE PERIOD/PAYING INTEREST
"Grace Period" means the period of time during a, billing cycle when you will not
accrue interest on certain transadiGas orltalauces. Mere is no Grace Period forBalance
Transfers or Cash Advance-; we. begin charging inter" t on Balance Transfers and Cash
Advances on the ti wsaction date. We will notcharge ietetest on Purchases on the nest
statement ifyou pay the New Ralance'rotai in fall by the Payment Due_ Date, andyon had
paid in hull teethe pretinns Payment Due Date.
CALCULATION OF BALANCES SUBJECT TO INTEREST RATE
Average Balance I'vlet.hod (including new Balance Transfers and new Cash Advances]:
We calculate separate Balances Subject to an L-iterest Rate for Balance Transfcrs,
Cass Adyitnecs, and foreach Promotional Offer 1xilance cunsisting of Balance Transfers
or CashAdvauces. W'6 do this bV: (1) calculating a daily balance for each day io this
suuements billing cycle; (2) calculatinga daily balance for each day prior to this
statement. 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 post.ingdate within this statement's hiibing cycle; (3) adding ali the daily
balancestogether; and t,4) dividin gthe, snm ofthedailyhalances hythe. tit) mbe.rof darn in
this ctatement's hitting cycle.
To calculate thf•. daily balance for each day in this staterent's billing cycle, we tyke the
lxginning halanti%add an amount equal w the applicable Daily Pcriodic: Bate multiplied
by the previous day's daily balance, add new Balance Transfers, new Cash Advances and
TraiiwactionFees, andsubtract applicable payments andLr d,t ifanydaily balance i?!
less thaan zero we treat A as zero.
To calculate a daaily, h balance for each clay prior to this statement's billing cycle that had
a Pre-Clyde haiance wetake the hr,ginnin, lual.3rtce attrihntablp solelyto I ve-(. die halancr
(which at, II he zero on the transaction slate of the first Pre !c!e balance], add an amount
equal to the applicable I ),ails Ppriodic h_ue multiplied by the precious da_y's daily balance,
and add anh the applicable. Pre-Cycle balances, and their related Transaction Fees. We
exclude from this calculation all transactions posted in previous billing cycles.
Average. !)airy Balance Method i including new Purchases):
We calculate separate Balanees'Subject to an Interest Efate for Purchases and for
cacti Promotional Offer balance conAstingof Purchases. Wt,, do this by: (1)r alculating a
dally balance for each day in the billing cycle; (2) adding all the daily balanu: s together;
and f3! dividing slid sum of the daily balances hr slid number of days in Che bil}iug cycle.
To calculate the daily ba}anca for each day in ibis statement's billing cycle, we take the
begiinuig balaaice, add an amount equal to the applicable Daft} Periodic Rate rout tiplied
by the previous day's daily balwice, acid new Purchases, new Account. Fees, and new
I ransaction Fees. and snhtract applicable payments and credits. if an.r daily balance is
PAYMENTS
d?'e credir. m a ib pd payments as of t he. lat.: recpiypd, if the paymtent i c: t 1) rereicpr, l by
p.m. local time at the addres shown on the remittance slip on the front ofyour monthly
statement; (2) paid with a check drawn in U.S. dollars on a U.S. financial itustitation or
a U.S. dollar money order; and (3)sent in the return envelope with olAty the remittance
portion of your statement acco3npanyieg it. Payments received by mail after 5 p.m. local
time at the remittance address on aqy day including the Payment D ue Date, but that
otherwise most the Oxwe requirements. will be credited as of the neat day. Paymonts
made online or by phone will be credited as of t.h e date of rec;ipt if made by 5 p.m. Central
time. Credit for a.ny other paym ants may he delayed up to five days.
Nn paymient. shall operate ac an accord a nd satisfartion without the prior written
approval of one of onr Seninr O ficers.
We process most payment checks electronically by using the inf orrnation found on
your check. Each check authorizes us to create a one-time electronic funds transfer (or
prixessitasachcnkorpaperdrafLl. Funds ruaybe withdrawnfromyouraccount as soon
u.+ the same day werucciycyour paymcnt. Checks are notreturned Wyuu.. Forinofu
information or to step the clectnmicfunds transfeni, call us at the numb rlisted on
the front.
If you have authorizer] us to payynur credit card hill autom.atica Ily from your smingR
or checkingar.count with us, you can stopt.he payment on anyamountynu think is
wrong. To stop payment, your letter must reach us at least three business days before the
automatic payrnenL is =chednled to occur.
USE611 Rev. 08/10
QN1 V VF
Oulfnr Banking is available' 4 hours a day, i days a week and
???JJ/ adowacouu?c:ewthe.mnstmccnr,arric?T,,gnnyouraccnunt.
PHONE
? ].l16(i.215ti.0'2L'L
i Forprvmpt service, please have the merchant reference numberO
available forthe charge(s) in goes tion.
I
MAIL
I Attn: Billing Inquiries PO Box 15026, Wilmington, DE 19550.5026
GVhcn writing, please inuludc Your ]Jame, Account Number, the
® reference number of the disputed item and specific, details rcgardinh
your dispute, including darns of contact, with the merchant and the
E merchant-Rresjhnnse. in each nst;tnce.Please lnclude.alI8upportjn,
j doemnentation, i nrindingsales and credit vouchers, eontl'art and
i postage return receiptsasproof ofanyreturns.
less than zero we treat it as zero.
k1'e include the fees for credit card debt caaicc liatiou or credit insurance p urehused
througlu us in cadculaiiu? the. beginning balance for the first day of [lie billing
cycle of er
the billing cycle in whir]t such fees are billed.
TOTAL INTEREST CHARGE COMPUTATION
Interest Charges accrue and are compounded on a daily hasii. To determine the
I nwreSt Cha rges we m a Itiply each Balance Subject to I merest h ate by itn applicable f la.i K.
Periodic hate. and that resulthrthenumherofdacsin the hillingricle.To determine
the total Interest Charge for the, billing ovule, we a-dd the Periodic Rate interest Charges
together. A Daily Pericslie Rdtc is calculated by divining aiiAnnuad Pcrecnta;t; Ptatc
by 3(ia
HOW WE ALLOCATE YOUR PAYMENTS
If your accotuit ha:3 lxila nces with differen t APRs, we will allocate the amount of
your payment equal to the Total hfinimum Payment Due to the lowest APR bala nce, first
(iuchidinl; i.ransactions madesifter this etatementl. Payment amounts in excess ofynor
•I'otal Minimum Plytnent I)ue-will tip appliedto halanceswith higher Al Ns before: halances
with louver A PNs.
IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE
When using the optional Pay by-Phone Rer :rice, you authorize us to initiate; an
cIcctronic p*{ utcnt fromyour tucount at the financial institution you designaze. You imist
authorize the amount andtimingofuachpikymcut, For your protection, we will ask fur
security information. A fee mtey apply, for expedited Service. To cancel, callus beforethe
SChedtdedparyrueutdaie. Same-dayye..?ynuns c;;nnotbe edited orcancelec!.
MISCELLANEOUS
For the comp bete terms sand cnnditi ens of }?rntr accrnmf, cnnsn It your (kpdit Card
Agreement. i'I A Card Serciccs is a tradename, of F IA CatYf Services, N.A. I'hi?;accrmnt is
issued andadministered by FIA Card Services, V.A.
Ifyour billing address or enntact information has changed, or if your address is
incorrect as it appearson this bill, please proAde all corrections here.
,Address 1
Address 2
City
State 7,ip
Arca Codc &
Home Phone
Area Corle &
1,Vork Phone
¦
Bankof America
4500 66001150 0327
October 13 - November 9, 2010
Page 3 of 4
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Promotional Promotional Balance Interest
Percentage Transaction Offer ID Subject to Charges by
Rate Type Interest Transaction
Rate Type
Balance Transfers 6.50% $ 0.00 $ 0.00
Cash Advances 6.509 $ 0.00 $ 0.00
Purchases 6.509 $11,694.07 $58.31
APR Type Definitions: APR Type: Temporary APR (APR for.special circumstances)
Bankof America
4101101Account Information:
www.bankofamerica.com
Mail billing inquiries to:
Bank of America
P.O. Box 15026
Wilmington, DE 19850-502(1
Mail payments to:
Bank of America
P.O. Box 15019
Wilmington, DE 19886-5019
Customer Service:
L800.898.36%
(1.800.3483178 TTY)
MICHELE A RICARD
Account Number: 4500 6600 1150 0327
November 10 - December 10, 2010
New Balance Total ...................................................................$11,789.19
Current Payment Due ....................................................................$270.00
Past Due Amount .......................................................................$1,350.00
Total Minimum Payment Due .......................................................$1,620.00
Payment Due Date ..........................................................................1/8/11
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:
Only the Total 4 years $13,101.36
Minimum Payment
If you would like information about credit counseling services, call
1-866-300-5238.
Previous Balance ......................$11,724.29
Payments and Other Credits ....................0.00
Purchases and Adjustments ....................0.00
Fees Charged ....................................................0.00
Interest Charged ............................................64.90
New Balance Total ......................$11,789.19
Credit Line ..................................$15,400.00
Statement Closing Date .................12/10/10
Days in Billing Cycle ..................................31
Transection
Date Posvng
Date
Desagpvon Reference Account
Number Number Amount Total
Interest Charged
12/10 12/10 Interest Charged on Balance Transfers 0,00
12/10 12/10 Interest Charged on Cash Advances 0,00
12/10 12/10 Interest Charged on Purchases 64,90
TOTAL INTEREST FOR THIS PERIOD $64.90
Total fees charged in 2010 $0.00
Total interest charged in 2010 $787.73
09 0117891900162000000270000004500660011500327
BANK OF AMERICA Account Number: 4500 6600 1150 0327
P.O. BOX 15019
WILMINGTON, DE 19886.5019
New Balance Total $11,789.19
........................................................
Total Minimum Payment Due .................... .......................... 1,620.00
Payment Due Date ..................................................01/08/11
MICHELE A RICARD
Enter payment amount $
450 S 3RD ST APT 1
LEMOYNE PA 17043-2003
r] Check here fora chagge of mail/rg+address or phone numbers.
P/eaae pronde a/l correcvons on the reverse side.
Mall this coupon along with your cheek payable to: Blank of America
is 5 2 40 22 2901: 11& 500 L L 500 3 2 711'
IMPORTANT INFORMATION ABOUT THIS ACCOUNT
CUSTOMER TIPS FOR DISPUTED ITEMS
kIanytirnesdisputed chargeqare..Iegitimate. cha eathatrusramer•gmaynotrecng-nize
m'rernemherHeforedi?putingacharge, we recommend that your-erif>afew•things
j
andmakeevery effort to resolve t.hodisputewith the merchant, Often the merchant can j
answerynnr questions, nd easily resoh eynuur dispute. The menrhant's phone number
map he located ou your receipt or billing statement. j
• Hasa credit posted to your account?
Please allow- up to 30 days front the date on your credit vciucher or
acknowledgement letter for the mercltam credit to post..
• Is the charge or amount unfamiliar?
Check with other persons authorized to use the account to make sure they
did not nuke the cdtarge. It is possible that the merchant billing narueS
and store mantes are diffcront or amounts can easily be confused with similar
cha-rgcs or include tips.
One wyavto check for the credits; or to view tran actiondetulsistolookat•your
account ?tatementa online. If you are not enrolled in Online Banking, it is easy to enroll
using the web address on the front ofyour statemeut or give u• a call
Please remember. Once you receive your statement With a transaction,, mu. vvish to
dispute, yon nnly hate 60 days to di Rpute the charge.
GRACE PERIOD/PAYING INTEREST
"Grace Perio&P means the period of time during it billing cycle when you will nut
accrue inlxrest on certain transactions or balances. 't'here is no Grace Period for Balance
Transfers or Cash Advances; we begin charging irntxrr s t on BaYwce Transfers and Cash
Advances nnthetrausactoudate. R'euillnotcharyeirteivstonni chases on tile next
statement if you pay the New Salance'Potal in find Ile the Payment 1?ue Date, and you had
paid in full by the previoia Payment Ilse Ila.te..
CALCULATION OF BALANCES SUBJECT TO INTEREST RATE
Average Balance Method (including new Balance Transfers and new Caah Advances):
We calculate separate Ba]anecs Subject to an Interest Rate; for Balance Transfers,
Cash Advances, and for wch Promotional Offer I.Kilancc; cunsistingof Bulanuc Transfers
ue Cash Advance.<. We do this by: (1) calculating a daily balance for each day iu this.
sut(smenfs billing cyete; (2) calculating it daily balance for each day prior to this
saatemeit's billing cycle that had a `Tre-Cycle balance- -a Pre-Cycle balance is a Balance
Transfer or a Cash Advance with a transaction date prior to this saatements billing
cycle but with apost.ingdate. within this tatement'sbillingcycle;(3)aciclingallthedaily
ha la nres togethe.r; and (4) dividing the, sum of the daily halnnres by the numberof days in
this statement's hitting cycle-
To calculate the daily balance for each day in this statement's billing cycle, we, take the
beginning balanuc• add an amount equal to the applicable Daily Periodic Bate multiplied
byy the previous day's daiLv balance, add new Balan(;o Transfers, new Cush Advatnces and
Trwisaction Fees, and sub tract applicable paymunts and credits. If any daih• balance is
less than zero we. treat it as zero.
To calculate a diih balance for each clay prior to this statement °a billing cycle that had
a Pre•C veto halance., we take the hcginning halance attributable solely to Pred'ycie balance
(which wi II be zero on the transaction elate of the first Pre.-Cycle balance), add an amount
equal to the appii cable Da i Iv Periodic ILate ran iii plied by the. previous day's daily bs,lance,
and add anh the applicable Pre-Cycle, balances, and their related Transaction Fees. We
exclude from this calculation all transactions posted in previous billing cycles.
:Average I )ai ly Halance AMethod i i ncluding new W rcha Rea):
We. calculate separate Balances Subject to an Interest )late for Purchases and for
each Promotional Offer halance consisting of Purchases. NVc do this by: (I) celcularing a
daily balance for each day in the billing: cycle; (2) adding all the daily balatnc es together;
and 13 dividing- tike sum of the chili' balances by the number of days in the billing cycle.
To calculate the daily balance for each day in this slittement's billing cycle, we tike the
beginning balance, aild an amowd equal to the applicable Daily Periodic Rate multiplied
by the previous day's daily balance, aeld new Purchases, new Account. Fees, and new
Transaction Fees, and snhtract applicable payments and credits. If any daily balance is
PAYMENTS
We.. credit nip fled payments s r of t.he. date received, It the payment i s: (1) received by
a p.m. local time at the address shown on the remittanre slip on the front ofyovrmonthly
statement; (2) paid with a check drawn in U.S. dollars on a LT S. financial institution or
a U.S. dollar money order; and (3) sent in the return envelope with only the remituance
pOCldnL t?f s'ent'StKateL'ieitl. acronpartviugit. Payriteuts receivtdby mail after 5 p.m. local
time as the retnittana address un atly duty including the Pdymunt D ue Datc:, bu[ that
otherwise acct the a1mve i uqu-iromentu. will be credited aas of the next day. Payments
made online or by=phone will be credited as oft.he tbate. of receipt if madde by 5 p.m. Central
time. Credit for a. nyotherpayrnentsmaybe delayed uptofive days.
Nn payment shall nperate as n n arcor•d a nd satisfa rtion without the prior written
approval of one of mfr 1?eoior Officers,
We process most payment checks electronically by using the infonnation found on
your check. Each check authorizes us to create a one-time electronic funds transfer (or
processit.asacheckorpaperdraft). Funds may be withdrawnfrotnyuurin yourincount as soon
adtltcsamcdkkvwc;rcceiv(,yourl)eymcnt. Chccksatrenotrcturav'dtuyou, Formorc
information or to std+p the clectru)nic funds transfer:,, cal us at the number listed on
the front.
If you have nuthorized us to payynur credit caul hill auttrmatica Ily from your savings
or checking aeons nt with u,, you can stop the payment on a ny am on nt yon th i n k i,
wrong. 'fo stop payment, your letter must reach its at least three husiness day's before the
autotnatic payment is -chedoled to occur.
USE611 Rev. 08/10
Q'?FL]NF
Ordine B.unkin? is available Z4 hours u day: 7 days it wcuk and
???„f6 &ilowa cou to viowilic most recent artivitr on your aocnunt.
PHONE
L8t16.266,0212
Forpromlit service: please, have the merchant reference nuruber(=)
available for the charge(3 i in que=lion.
MAIL
Attn: Billing Inquiries PO Box 15026, Wilmington, DE 19850.5026
When wri ttng, please include Your Name, Account Number, the
® reference number of the disputed iturn and specific details regarding
your dispute, including darc-.R of canitact with the merchant and the
f merchants response, inearh instance. FEP•uteincindealf *uppntYing
j donumentation, lnehidint;sale.R and credityoucllers, eontracta.nd
postage return receipts as pnluf of a itr returns.
i
lose than zuro we treat it as Guru.
tlae include the fees for credit card debt eanuliation or credit insurance purchased
through us in atlculatiu: the. 1)eginrtiug balance for the first day of the billing cycle after
the billing cycle in which such fees are billed.
TOTAL INTEREST CHARGE COMPUTATION
Interest Charges vicerue and are compounded nn a daily basis. To determine the
I nte.re.Rt Cha rgeR we multiple Pru:h Balance, Subject to I nterest bate by its applicable l )a.i ly
Periodic [Lite, and that resu It by the number of love in the billing ryele. To determine
the, toa:l Interest Charge-for the billing cycle, we auld the Periodic Hate Interest Charges
together. A Daily Periodit: Rate is calculated by dividing an Annual Pcrccnrdge Plate
by 3(i5.
HOW WE ALLOCATE YOUR PAYMENTS
If your ac?co tort has balances with different t APRs, we will allocate the amount of
your payment equal to the Total -Minimum Payment. Due to the lowest APR balatices first
(includingtransactionsma.dcafterthis statement). Pa}anentamountsinexcessofyour
Tot al h,linimnm Payment Ilneuill be applied to halances with higher APNs before halances
with lower A PHs.
IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE
When using the nptional Pay-by-Phone Rer :ice, ymt authorize us to initiatc an
clectrunicpa>;ymentfromyouraccountatthe financial institution you designate. You inust
authorize the amount and timing of uach prkymcni,. For your protection, we will ask fur
security udormat tun. ,I fee may apply for oxpeditud service. To cancel, call us before fire
schedcdedpaymeutdate, Samedtypayaneul;us,rnu(beediledoreaucelrcl.
MISCELLANEOUS
For the complete torms and conditions
of yrntr arcrnrnt, consult your Ctrdit Card
Agreement. h l A t:3m d tieriices is a tradenatne, of N I A Card tiem vice,; N.A. `f hi s acrtmnt. is
issued and administerr?rl hr h'IA t;ard Services, V.A.
Ifyoar billing address or contact information has changed, or if your address is
incorrect as it appears on this bill, please prmide all corrections here,
Address I
Address 2
City
State Zip
Arw Code S
Home Phone
Area Code K
W''ork Phone.
Bankof America
4500 66001150 0327
November 10 - December 10, 2010
Page 3 of 4
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Promotional Promotional Balance Interest
Percentage Transaction Offer ID Subject to Charges by
Rate Type Interest Transaction
Rate Type
Balance Transfers 6.508 $ 0.00 $ 0.00
Cash Advances 6.508 $ 0.00 $ 0.00
Purchases 6.508 $11,755.66 $64.90
APR Type Definitions: APR Type: Temporary APR (APR for special circumstances)
Bankof America
Account Information:
www.bankofamerir,a.com
Mail billing inquiries to:
Bank of America
P.O. Box 15026
Wilmington, DE 19&50-5026
Mail payments to.
Bank of America
P.O. Box 15019
Wilmington, DE 19886-5019
Customer Service:
1.800.896.3696
(1.8003463178 TPY)
riansaction Posvng
Date Date
MICHELE A RICARD
Account Number: 4500 6600 1150 0327
December 11- January 10. 2011
New Balance Total ...................................................................$11.854.45
Current Payment Due ....................................................................$270.00
Past Due Amount .......................................................................$1,620.00
Total Minimum Payment Due .......................................................$1,890.00
Payment Due Date ..........................................................................2,/8/11
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:
Only the Total 4 years $13,112.60
Minimum Payment
If you would like information about credit counseling services, call
1-866-300-5238.
Descapvon
Previous Balance ......................$11,789.19
Payments and Other Credits ....................0.00
Purchases and Adjustments ....................0.00
Fees Charged ....................................................0.00
Interest Charged ............................................6526
I New Balance Total ......................$11,854.45
Credit Line ..................................$15,400.00
Statement Closing Date ...................1/10/11
Days in Billing Cycle ..................................31
Reference Account
Number Number Amount rote/
Interest Charged
01/10 01/10 Interest Charged on Balance Transfers 0.00
01/10 01/10 Interest Charged on Cash Advances 0.00
01/10 01/10 Interest Charged on Purchases 65.26
TOTAL INTEREST FOR THIS PERIOD
Total fees charged in 2011 $0.00
Total interest charged in 2011 $65.26
09 0118544500189000000270000004500660011500327
BANK OF AMERICA
P.O. BOX 15019
WILMINGTON, DE 19896-5019
MICHELE A RICARD
450 S 3RD ST APT 1
LEMOYNE PA 17043-2003
Account Number: 4500 66001150 0327
New Balance Total ........................................................$11,854.45
Total Minimum Payment Due ..............................................1,890.00
Payment Due Date ...................................................02/08/11
Enter payment amount $
Check here fora change of maifing address or phone numbers.
please prowde all cotracvons on the reverse side.
Mail this coupon along with your check payable to: Bank of Amerlca
e: 5 2 40 2 2 2 501: L L L 500 L L 500 3 2 7iin
$65.26
IMPORTANT INFORMATION ABOUT THIS ACCOUNT
CUSTOMER TIPS FOR DISPUTED ITEMS
klanytimes it is putedcharges are. legitimaiechargei;that ,,^usr rnersmagnotrecngnize
or rernem her. Before di F-p ntin„ a charge, we recom mend that you verify a. few thi ngs
andsnakenc-erveffort toresolve thedispntewith the, merchant.Often themerchant can
atnsw•eryonr questions a:nd easily resolveSnsir dispute. The merchant's phone number
nlay be located oil yotu• receipt or biliiu,'s tatenteiiL
• Has a credit posted to your account?
Please allow up to 30 days hunt the date on your credit voucher or
aeknowfedgement letter for the merchant credit to post..
• Is the charge or amount unfamiliar?
Chock wiihotheipersonsauthur,ztdtou:e the account(ur:rakesurethey
(lid not make thecharge. It is pu siblethatthemerchanta'billingn roes
and v)remorntsare differuntor a.mount:scan s.asilybeconfused with similar
charge, or include tips.
One, wtv to check for the credits or in t few trap .'action detuls is t4) Ionk at your
account statements online. if you are not enrofled in Online Banking, it is easy to enroll
user the web a4itiress on the front of v o m atenieut or give us a call
Please remember. Once you receive your statementwith a transacting mu wish to
di spute,,yoa rsnly h ave 60 days to di Rpute the charge.
GRACE PERIOD/PAYING INTEREST
"Grace reriod" mealts tine period of time during it billing cycle whorl you will nut
accrue inlerest on certain trausaclions or hnlaucec. There is no Grace Period for Balance
Transfers or Cash Advances ;we begin charging irttere s I on Balance Transfers and Cash
Advances on the transaction date. We will gat charge interest on Purchases on the next
statement if yon pay the new Ralance Total in fit0 by the Payment llue Date; anc(you hart
paid i n ht I I by the previmts Payment ))it e U,n.re.
CALCULATION OF BALANCES SUBJECT TO INTEREST RATE
Average Balance Method (!uciuding rim- BalanceTransfers and new Cash Advances):
We calculau: separate Balances Subjccx to an Interest Rots: for Balance Transfers,
Cash Advances, and for each Prumotiunid OffluEbalanu consisting of Balancc Transfcrs
or Ca h:ldvauecs. We do this bp: (1) caluilatint=, a daily balance fureach clay iu. thi=
statement's billing cycle; (2) calculating a daily balance for each day prior to this
suaiement's billing cycle that had a, `Pre-Cycle h. •almice- -a Pre-Cycle balance is a Balance
Transfer or a Cash Advance with a transaction date prior to this suitemeut's billing
cycle but with a pnsting date within this =tateinent'.R hilling cycle; (3) atlding al; tfie.daily
hAIan, esTagethes;and 4)dividing the. sumofthedailybal.Rnre,bythe. number ofda.rs in
this statement's hilting cycle..
To cr, leulate the daily balance for wwh day in this statement's hilliug cycle, we take, the
beginning balance:, add an a.mount equal to the applicable Daily' Periodic Rate multiplied
by flue prd;viuua day's daily lrtlarce, told new Bakuteu Triurst'ura, ncw• Cash Advances and
Ir utsacLion Fees, and subtract applicable payincuts and e:rediL3. If any daily bidiutce is
less thanZero we treat it as zero.
To calculate a daih balance for each day prior to this stalemeiiVs billing cycle that had
a Pre-(NCdc. hatance., we take the hegfnrting haL•ance attributable solely to Pre-('yde balance
(which will he zero on the transaction date of the first Pre-Cycle balance), add an amount
equal to the applicable Daily Periodic hate muItiplIPA by the previous days daily K%lance,
andaddonly theapplicable Pre-(Nrlehalancea,andtheirrelatpolTransactionFees. WR
exclude from this calculation all transactions po4ed.in Previous billing cycles.
Average Daity Ralance Method t including new Purchases):
We calculate separate Balances Subject to an Interest Efate for l'urchases and for
each Promotional Offer bald now consisting of Purchases. We do this by: (1)calculatiga
tidily balance for cash day in the billin!? (.ycle; (`L) adding all the daily balanu:s together;
and 13; dividing diu sum of the daitt, balances by the nuatbcr of days in the billing cycle.
To ccdculaAe the daily balance for each day in this statement's billing cycle, we take the
beg
glinting balance, add an amount equal ur the applicable Daily Periodic Rate multiplied
by the previous day's daily baltince, acid new Purchases. new Account Fees, and new
I ransaction Fees, and snhtractapplicable payments and credits. ifair daik balance),
PAYMENTS
4t`e. rredrt ma fled payntentR AR of L.hP. tat. Yecen•P.d, tt Lhn payrnrent 1 ?: { 1 j rerelrerl by
5 p,m. local tome:u.the address shoran on the remittance slip cut the. front ofyour monthly
sr"•ttenient; (2) paid with a check drawn in ii.5, dollars oti a LT S. financial institntiou nr
a U.S. dollar nnor ey order; and (3t sent in the return envelope w itli ordy the remitt once
porilnn of your st<a[eaten(alsanpanyin? it. I'aynreuts receivc3 by mail ,after 5 p.rn.local
time at the remittance address on a:lydwy includingthe Payment Due Date, but that
othenrisc meet the iaxwc requirements. will be credited as of the neat clay. Payments
made online or by phone will be credited as of the thite. of receipt if made by 5 p.m. Central
time. (:relit for a nyotherp3rmentsmay he delacerl up #a five days.
Nn payment shall nperate as an arxord a nd catisfartion without the. prior writtp.n
appml:;l of one of our ?eninr(Nficers.
We process most payment cheeks electronically by using'
your check. Each check authorizes as to create a one-time electronic funds 1,ransfer (or
process it. m a check or paper draftl. Funds madam be withdrawn fro onyour accou at. as soon
as tltc same day we receive your payment. Checks arc not returned tar you, For more
information or to still) the clectivnic funds transfer;,, call U at the numbcr listed on
the front,
Ifymnhaveait fitnrizedus r„payynurcreditcardhill autntnatioafly fromyourn. rings
nr eheeking'arrount with ua, you c;;n stopt.he payment on anyanionntyou think i3
wrong. To stop paytneut, your letter must reach us at least three husineas days betore the
automatic payment is -cnextnled to occur.
U-SE611 Rev. 08/10
OP11.1 VF
Online R inking is available:,14 hours a day; 7 day's it week and
allows sou to view flic most recent actieit-V on your acc:nunt.
PHONE
L88ti.288.0212
For prompt sense, please have the merchant reference mimher( )
available for the cbarge(s) in ques.Iion.
f
MAIL
Attin Billing Inquiries PO Box 150211, Wilmington, DE 19850.5028
R hen wet (iirg, please include Your Name, Account Number, the
® reference, number ofthe disputed item and speetfic details regarding
your dispute, including dares of coat wt aRth the tncrehantand the
i merchant's response in earhinstance. Please inrtudeallsupporting
{ docomentat;on,irrrindingsalesand credit vouch ers,contraraand
postage return receipts as proof of any return&
I
leas thief zuru we treat it its zero.
kVc include the fees for credit utrd debtcanccflatiou urcredit insurance purchasvd,
through us in cilculati uz (he beginning balance: for ilie first day of the billing cycle= after
the billing cycle in which such fees are billed.
TOTAL INTEREST CHARGE COMPUTATION
Interest(' hargesac true and ,are compounded nn a daily basis. To determine the
I merest ('barges we m u itiply each Halanrs:Su bjem tq I ntereat Hate 1ny its applic•dtle Mail V
Perirxiic Hate a.nd that result by the gum ber of dams in the billing ryrle. 'I'n determine
thetotalinterest Ch.a,r e- for the billing cgcle,weacidthe Pcijodicftat; JntereatCharges
together. A Daily Periodic Rate is caluulatud by diviclin au Annual Ferecuragu Iiatc
I s(;?.
HOW WE ALLOCATE YOUR PAYMENTS
Ifyour account ha.s balances with duff rent APRs, we tvill allocate the aino tint of
your payment equal to the Toast Minimum Payment. Due to -the lowest APR balances first
(insiucJingt.r.2ns.-tctiur,smade:ifterthisstatenient). Pair-ntentamurrntsinexressefyoar
I'otaa l Minimum Payment i) is wi ll fle i pplied to `na In nces with higher APRs before halances
with Inwer A Pltc,
IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE
% hen using the optional Pay by-Phone ser•vicc, you authorize us to iniiiate an
electronic payment fromyour account at the financial institution you designaw. You must
authorizctlteamountandtirniaguftxwhlxa,.Inch[.. Furyour prutec,•iion,"vewillaskfur
security information.: i fee may apply for expedited service. To cancel: cal us before the
sclnedidedpaymeutdale, Same-cfaypaymem(sc:as,nutbeeditcdurcancelec!.
MISCELLANEOUS
For the complete. termsandconditionsoftouracconnt,cnnsnIt,y7 irCreditCard
Agreement. FI A C:3rd ;ertires is a Ira dam me of F lA ('arri vertices, N.A. I'hi s amnu nt is
issued andadministerM by FIA Card ?;ercices, N.A.
if your billing address or contact information has changed, or if your address is
incorrect as it appears on this bill, please provide all corrections bore.
Address I
Address 2
City
...__ ...............
State zip
Area Code
)tome Phone
Area Code K
%ork Phone
-_-... .....----
Bankof America
.C
4500 66001150 0327
December 11- January 10, 2011
Page 3 of 4
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Promotional Promotional Balance Interest
Percentage Transaction Offer ID Subject to Charges by
Rate Type Interest Transaction
Rate Type
Balance Transfers 6.509 $ 0.00 $ 0.00
Cash Advances 6.509 $ 0.00 $ 0.00
Purchases 6.509 $11,820.74 $65.26
APR Type Definitions: APR Type: Temporary APR (APR for special circumstances)
Bankof America
MICHELE A RICARD
Account Number: 4500 6600 1150 0327
January 11- February 9, 2011
Account Information:
www.bankofamerica.com
Mail billing inquiries to:
Bank of America
P.O. Box 15026
Wilmington, DE L9850-5026
Mail payments to:
Bank of America
P.O. Box 15019
Wilmington, DE 19886-5019
Customer Service:
L800"3698
(1.800.3463198 TM
New Balance Total ...................................................................$11,917.95
Current Payment Due ....................................................................$270.00
Past Due Amount .......................................................................$1,890.00
Total Minimum Payment Due .......................................................$2,160.00
Payment Due Date ...........................................................................3/8/11
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 payoff your balance. For example:
Only the Total 4 years $13,124.31
Minimum Payment
If you would like information about credit counseling services, call
1-866-300-5238.
Previous Balance ......................$11,854.45
Payments and Other Credits ....................0.00
Purchases and Adjustments ....................0.00
Fees Charged ....................................................0.00 li
Interest Charged ............................................63.50
New Balance Total ......................$11,917.95
Credit Line ..................................$15,400.00
Statement Closing Date .....................2/9/11
Days in Billing Cycle ..................................30
Trmnsection
Date Posting
Date
Desononan Reference Account
Number Number Amount Tote/
Interest Charged
02/09 02/09 Interest Charged on Balance Transfers 0.00
02/09 02/09 Interest Charged on Cash Advances 0.00
02/09 02/09 Interest Charged on Purchases 63.50
TOTAL INTEREST FOR THIS PERIOD $63.50
Total fees charged in 2011 $0.00
Total interest charged in 2011 $128.76
09 0119179500216000000270000004500660011500327
BANK OF AMERICA
P.O. BOX 15019
WILMINGTON, DE 19BW5019
MICHELE A RICARD
450 S 3RD ST APT 1
LEMOYNE PA 17043-2003
Account Number: 4500 66001150 0327
New Balance Total ........................................................$11,917.95
Total Minimum Payment Due ..... ................................ ......... 2,160.00
Payment Due Date ...................................................03/08/11
Enter payment amount $
Check hen= for a change of mailing addrass orphone numbers.
Phase prnwde all corracbons on the r&Mrse aide.
Mall this coupon along with your check payable to: Rank of America
1: 5 2 40 2 2 2 50,: L L L 500 L L 500 3 2 711'
IMPORTANT INFORMATION ABOUT THIS ACCOUNT
CUSTOMER TIPS FOR DISPUTED ITEMS
Ala ny ilm e.S disputed charges ire. legitimate. clm rhes that rustorners may not reo.on roue
j
m-remenher.tleforedlsputing.,charge, we.recommend thatyouverifyifewthings
anti make crew effort to resolve the dispute with the merebattt. Often the merchant can j
answer your questions a.nd e:asik resolveyour dispute. The nten.hant's phone number
may he located on yo ur receipt or billiug statemen t. j
• Hasa credit posted to your account?
Please allow up to 30 days ftnni the date on yoitr to-edit voucher or
acknowledgen?eu t le tl er for die nterchau t credit to past.
Is the charge oramount unfamiliar?
Check with other perverts authurizecl to use the aA:count to make surethey'
did not make the charge. It ispo-siblethatthemerchants'billingnwes
and star; names are differ utt or aauounts can easily be confused with similar
charges OF include tips.
One wav to check for the credits or to view t.ran :action details is to lank at your
account stateuients online. If you are not enrolled in Online Bankfng, it is easy to enroll
using. the web address on the front of your siatentent or give us a call
Please remember: Once you receive your statementwith a transaction y nu wish to
dispute., ,you only have 60 days to dispute the charge.
GRACE PERIODIPAYING INTEREST
"Grad Period' meutts thu period of time during a. billingcycle whcu you will not
accrue interest on certain uau=,adiuns or bilaucee. There is no Grace Period for Balance
Transfers or Cash Advances; we begin charging inures t on BaLance Transfers and Cash
Advances on the transaction date. We will not chat ge ;merest on Purchases on the next
statement if you pay the Kew Ralance'('otal in hill by the Payment Due Date, and yon had
p, id in tbII by the,pre%lons Payment Ihie I),age.
CALCULATION OF BALANCES SUBJECT TO INTEREST RATE
Average Balance lklethod (including new Balancc Transfers acid new Caaah Advances):
We calculate separate Balrmuos subject to an Laterest Rate for Balance Transfers,
CashAdvauucs, and fur each Promotional Offer lxtlanw consisting of Balance Transfers
oc Cash Advance,. kkc do this by- (1) calculating a. daily balance rureach day in this
st<nte,nrnt's billing cycle; (2) alcul:rlinva daily balance fur each day prior to this
s> temeiX., billing(ycle that !tad a `Pre-Cycle balance' -a Pre-Cycle balance is a Balance
Transfer or a Cash Advance with a, transaction date prior to this statemeut's billing
rycle but with aposting date. within Ihi p statement's hitting cycle..; (3),riding,I1 thedaily
ha lances together; a.nd (4) dividing the sum of the daily ha lames by the number of doss in
this statement' billing cycle.
To calrulate the daily balance for each day in this statement :s hillin, cycle, we take the
beginning bala.nue, add an a.mount equal w the applicable Daily Periodic Ruts multiplied
by the previous clay's daily balance, told new Balaacu Tnutsfurs, new CaAl Advances and
Transaction Fuc; i, and subtract applicable payments and credits. Harty daily balance is
less than zero we treat it as zero.
To calculate a daih balance for each clay prior to this siatement's billing cycle that had
a Pre-Cycle balance, we take the beginniu, halvtce attributable solely to Pre-('role balance
(which will be zero on the transaction elate of the first Pte-Cycle balance), acid an Nmount
egnal tothe applicable Daily Periodic. Hate multiplied by the previnns clays daily>xala,nce,
and add nnk the. apptirahle- l re-Cycle balance,, and their related Transaction Feec. We
exclude from this calculation all transactions posted in pr:viola billing cycles.
:Wera?e Daily lialanrelvlethnch:includingnee? 1'urchasesl:
We calculate separate Balances Subject to an Interest Rate for Purchases and fm•
each Promotional Offer bald ne consisting ofPurchascs.lVedothis by: (1)calculatinga
daily balance fur each day in the billing cycle; (2) adding all the dally- balances together;
anal 13) dividing tltc sum of the daily balances by tl:e number of days in the ttilliug cycle.
To calculate the daily balance fur eau.h day in this statement's billitig cycle, we take the
begituring balance, add an amount equal to the applicable Daily Periodic Rate multiplied
by the precious day's daily balwice, add new Purchases, new Account Fees, aildnew
] ransaction Fee;. and snhirut applicable paymtcnts and rrectits. if any doll balance is
PAYMENTS
y?'P. rrediT m,d ed 11,)R17F.ntc a R of f he date rP.ee'IYP.d, ifthe paymlent I ?: (1) reveler-x3 try
local time at. the address ,honor on the remittance slip no the front of your monthly
statement; (2) paid with a cheek drawn in L .5. dollars on a I? S. financial iustititriou or
a U.S. dollar money order; and (3) sent in the return envelope with only the remittance
portion of your seaterserti accornpanyiogit. I'aynteuts receivE tby utail;tflrr 5 p.nu.local
time at the remitiantm address on any day including the. Payment Due Date, but that
otherwise meet the Nlxwe iequiroments. will be credited as of the nest day. Payments
made online or 1y phone will be credited as of the slate of receipt if made by 5 p.m. Central
time. Credit for a.ny otherpwments maybe delayed up tofive days.
No payment shall nlterateas,naccords nd, tisfartionwithout.the. priorwritten
approval of one ofnnreninrt)ff eyes.
'We. process most. payment checks electronically by using the information found on
your cbeck. Each check authorizes us to create a one-time electronic funds transfer (or
prcx;essit.asacheck orpaperdraft). Funds nutvbewi0idrawnfcvmyouraccouat.assoon
as the same day cave ruculvu your paynnuni. Checks are not returned W YOU. Fur mum
infur•matiun ur to crop the dcuttonic funds tranafera, cull us ut the numtx;r listed on
the front.
Ifyou have authorized us to pay your credit card hill automsticsr Ily from your sandngs
or checking acrount with u,,yot can Stop the payment on any anion nt,y-ou think la
wrong. To slap payment, your letter mast reach us at least three hasine=s days before the
automatic payment is the doled to occur.
USE611 Rev. 08/10
O)?F,T VF
Online B uilnn is n-ailablt 24 hours a day, 7 days a weak and
r, tlowa you to t iewthe most recent antivih, on your account.
PHONE
L86ti-266.0212
For prom lit service, please have the merchant reference numher(s)
available fort.he charge(3-I in gtte>tior,.
MAIL
Attn; Billing Inquiries PO Box 16026, Wilmington, DE 19850.5026
When wri ting, please include Your Name, Account Number, the
® reference number of t.hc disputed item and spcLific details rugArdinh
your dispute, including dares of contact with the, mcrehantand the
i merchant'sresponse!it each instance. Pleaxeincludeallaupport.i,?_,
documentation, inclndingsalesand creditvouchers, contractand
postage return receipts n s proof of any returns.
i
less than zero we treat it as zero.
kV e include the fees for credit Lard debt canoel atiou or credit insurance purchased
through us in tlculati,rz the..1>eginnittg balance for the first day of the billing cycle. of er
the billing cycle in which such fees are billed.
TOTAL INTEREST CHARGE COMPUTATION
htterestCharges:.cecrueand are.compondedonadaily hasi .Titdeterminethe
Ititerest(;har„es wemuhaplyPoshBalance:SubjecttoInwrest !LatetV. itsappIimltleIla.iIc
Periodic Hate and that result by the numberofdags in the billing cycle. T'n determine.
the total Interest Charge for the billing cycle. we rind the Periodic: Ha a Interest Charges
tu_cthcr..S Daily Periodic Rate is aluiilatud by dividing an Annual Pcrcunrau Pwt
fly 365.
HOW WE ALLOCATE YOUR PAYMENTS
Ifyour ucount ha3 lxdances with different APRs, we w81 allocctte the amount of
your p*went equal to the Tout Minimum Payment Due to the lowest APR balances first
(includnnt; transactions made after this statement). YNyment amounts in excess ofyonr
'I'ota, Minimum Payment Diuewi0 be applied to baInnceswith higher APRs before halaances
with lower A Plis.
IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE
When using the optional Pay-by-Phone servicc,you authorize us ti initiate, an
clectrunic ptkytncnt from your mcount at the financial institution you designate. You tmtst
authorize theamountandtiming ufuwhltayrnew. For your prutoLtion. 1w will ask for
security udoraratiun. A fee may apply for expedited survive. To cancel, cal its before the
scheduled pa,.ymeut date, Same d n payatteuts tss„nut be edited ur canceled.
MISCELLANEOUS
For the complete terms and conditions ofyouracecntnt, ennsnltyour Credit Card
Aga cement. h IA L and tiervires !s a tr,denamr, of h'!A ('ari lien ices, N.A. Phis arrontit is
issa ed and a dmi nisterwJ by h' I A Card lien ices, N.,4.
Ifyour billing address or contact information has changed, or if your address is
incorrect as it appears on this bill, please prmiride all corrections here.
Address I
Address 2
City
state 7,ip
Area Code S
!lame Phone
Area Code K
Work Phone.
Bankof America
.010.
4500 66001150 0327
January 11 - February 9, 2011
Page 3 of 4
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Promotional Promotional Balance Interest
Percentage Transaction Offer ID Subject to Charges by
Rate Type Interest Transaction
Rate Type
Balance Transfers 6.504 $ 0.00 $ 0.00
Cash Advances 6.504 $ 0.00 $ 0.00
Purchases 6.504 $11,885.11 $63.50
APR Type Definitions: APR Type: Temporary APR (APR for special circumstances)
"...?i)n J q
FIA CARD SERVICES, N.A., CUMBER. W99RT OF COMMON PLEAS OF
Plaintiff PENNS LAND COUNTY, PENNSYLVANIA
V.
MICHELE A. RICARD,
Defendant
CIVIL ACTION -LAW
NO. 12-1119-CIVIL TERM
NOTICE TO PLEAD
TO: FIA CARD SERVICES, N.A.
c/o Michael F. Ratchford, Esquire
Edwin A. Abrahamsen & Associates, P.C.
120 North Keyser Avenue
Scranton, PA 18504
You are hereby notified to plead to the Answer and New Matter raised herein within
twenty (20) days of service of the attached pleading upon you, or judgment may be entered
against you.
'', '010
ate
s q.
Anthony T. McUnnt
Attorney for De 407 North Front St., First Floor
Harrisburg, PA 17101
(717) 238-3686
Supreme Court I.D. # 53729
Anthony T. McBeth, Esquire
407 North Front Street
Harrisburg, PA 17101
(717) 238-3686
Attorney for Defendant
FIA CARD SERVICES, N.A.,
Plaintiff
V.
MICHELE A. RICARD,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
: CIVIL ACTION -LAW
NO. 12-1119-CIVIL TERM
DEFENDANT'S ANSWER WITH NEW MATTER
1. Admitted, upon information and belief.
2. Admitted.
3. Denied. After reasonable investigation, Defendant lacks information necessary to
determine the truthfulness of this averment. If material, strict proof thereof is demanded.
4. Admitted.
5. Denied. This averment represents a conclusion of law to which no response is
required.
6. It is admitted that the Defendant used the credit card.
7. Admitted.
8. Denied. This averment is a conclusion of law to which no response is required.
9. Denied. Defendant is not sure of the date of her last payment.
10. Denied. This averment is a conclusion of law to which no response is required.
WHEREFORE, Defendant request this Honorable Court to enter judgment for her
and against Plaintiff, to tax the costs of this action against Plaintiff and to provide any other
relief the Court deems appropriate.
NEW MATTER
11. The responses set forth above are incorporated herein by reference.
12. The interest rate Plaintiff is attempting charge is excessive and usurious, and
therefore should not apply to the transaction.
13. Plaintiffs claim is barred by the Statute of Limitation.
14. If the interest rate that applied were the statutory maximum of 6% per annum, the
balance due would be considerably lower and Defendant believes and therefore avers that
the balance should be calculated on that basis.
WHEREFORE, Defendant request this Honorable Court to enter judgment for her
and against Plaintiff, to tax the costs of this action against Plaintiff and to provide any other
relief the Court deems appropriate.
1 ?W/;-
Date
minony . MCB , Esq.' = -
Attorney for Def nt
407 North Front St., First Floor
Harrisburg, PA 17101
(717) 238-3686
Supreme Court I.D. 53729
VERIFICATION
I, Anthony T. McBeth, am attorney for the Defendant in the captioned action. I am
verifying the attached document for the Defendant in that she is outside the jurisdiction of
this Court and her verification cannot be obtained by the time this document needs to be
filed. I verify that the facts set forth in the attached document are true and correct to the
best of my knowledge, information and belief. I so state subject to the penalties of 18
Pa.C.S. § 4904 (relating to unsworn falsificatio
4 A A 1 W13
Date
FIA CARD SERVICES, N.A.,
Plaintiff
V.
MICHELE A. RICARD,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION -LAW
NO. 12-1119-CIVIL TERM
CERTIFICATE OF SERVICE
I, Anthony T. McBeth, Attorney for Defendant, hereby certify that I have served the
attached document by placing same in the United States mail, first class, postage pre-paid
addressed as follows:
Michael F. Ratchford, Esquire
Edwin A. Abrahamsen & Associates, P.C.
120 North Keyser Avenue
Scranton, PA 18504
a? a?rz
Date
Attorney for De nd t
407 North Fron irst Flc
Harrisburg, PA 17101
(717) 238-3686
Supreme Court I. D. # 53729
IN THE COURT OF COMMON PLEAS OF+. 'a h`FO j,
?, .
CUMBERLAND COUNTY, PENNSYLVANIA
12 ?i 2 7
FIA CARD SERVICES, N.A., "
CIVIL DIVISION .11tE il A, .,, [} C 0U3T
? r y - L`f 0
Plaintiff
Vs.
MICHELE A RICARD, NO: 12-1119
Defendant
PLAINTIFF'S REPLY TO DEFENDANT'S NEW MATTER
Plaintiff, FIA CARD SERVICES, N.A., by and through its attorneys, Edwin A.
Abrahamsen & Associates, replies to Defendant's New Matter as follows:
11. Denied. Plaintiff incorporates by reference the allegations of its Complaint as
though fully set forth herein at length.
12. Denied. The allegations contained in paragraph 12 of Defendant's New Matter
are conclusions of law which are deemed denied. To the extent a further response is deemed
necessary, Plaintiff specifically denies that the interest rate charged was usurious.
13. Denied. The allegations contained in paragraph 13 of Defendant's New Matter
are conclusions of law which are deemed denied. To the extent a further response is deemed
necessary, Plaintiff specifically denies that its claim is barred by the applicable statute of
limitations.
14. Denied. The allegations contained in paragraph 14 of Defendant's New Matter
are conclusions of law which are deemed denied.
WHEREFORE, Plaintiff requests judgment in its favor and against Defendant, in the
amount of the current delinquent balance, plus costs of suit, and any other relief the Court deems
just and equitable.
Respectively submitted,
By:
Edwin Abrahamson Associates, P.C.
Michael F. Ratchford, Esquire
Kevin J. Cummings, Esquire
Attorney I.D. Nos.: 86285/209660
120 N Keyser Avenue
Scranton, PA 18504
(570) 558-5510
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
FIA CARD SERVICES, N.A.,
CIVIL DIVISION
Plaintiff
VS.
MICHELE A RICARD, NO: 12-1119
Defendant
CERTIFICATE OF SERVICE
I, Kevin J. Cummings, Esquire, hereby certify that I caused a true and correct copy of
Plaintiff's Reply to Defendant's New Matter was served via first class United States Mail,
postage prepaid on the date set forth below upon the following:
Anthony T. McBeth, Esq.
407 N FRONT ST FL 1
HARRISBURG, PA 17101
Date: March 26, 2012
Edwin A. Abrahamsen & Associates, P.C.
By:
Michael atchford, Esquire
Kevin J. Cummings, Esquire
Attorney I.D. Nos.: 86285/209660
120 N Keyser Avenue
Scranton, PA 18504
(570) 558-5510
Blatt, Hasenmiller, Leibsker & Moore; LLC Attorney for Plaintiff
Morris Scott Attorney I.D. #83587
Syretta Martin Attorney I.D. #309370
1835 Market Street, Suite 501
Philadelphia, PA 19103
800-850-1079
FIA CARD SERVICES,N.A. IN THE COURT OF COMMON PLEAS
do Blatt, Hasenmiller, Leibsker& Moore, LLC
Plaintiff, CUMBERLAND COUNTY, PA G `
vs. CIVIL ACTION u r.1,-
CTS rn
Zvo
No. 12-1119 j
MICHELE A RICARD -{ _*s
, -t7 =y.
Defendant(s). 17
PRAECIPE TO SUBSTITUTE COUNSEL
TO THE PROTHONOTARY:
Kindly ENTER the appearances of Morris A. Scott, Esquire (ID#83587) and Syretta J. Martin, •
Esquire (ID#309370) in the above captioned matter on behalf of the Plaintiff.
Papers may be served at the address of Blatt, Hasenmiller, Leibsker& Moore, LLC, at 1835 Market
Street, Suite 501, Philadelphia, PA 19103, (Tel) 215-564-1567.
Respectfully submitted,
Mor cot : D #83587) ✓ /
Syretta Martin, Esquire (ID#309370) %
Kindly WITHDRAW the appearances of ABRAHAMSEN &ASSC, P.C. in the above captioned
matter on behalf of the Plaintiff.
R 4ctfu y sus i
J hat
A:' MSEN ASSC, P.C.
CERTIFICATE OF SERVICE
I, as attorney filing the attached pleading, hereby certify that I mailed an exact copy of the
Praecipe to Substitute Counsel, to the party(ies) below at the address indicated by U.S. Mail first class
postage prepaid.
MICHELE A RICARD
450 S 3RD ST APT 1
LEMOYNE PA 17043-2003
11
Morris Scott, Esquire (ID#83587) Date
Syretta Martin, Esquire (ID#309370)
OMTNHPSC (11/14/2013) 2886373
111111111 11111 11111 1111111 111111 11111 11111 1111111111 D I I 1 11111 111111111 1111