your new, enhanced banking

Your new Bank of America statement...
easy to read, navigate and follow.
®
Welcome to your new, enhanced banking statement
Your Bank of America banking statement has been redesigned to help you find the information you need
more easily. Please refer to the descriptions inside for details on key sections and specific features. If you
have questions, please call 1.800.MERRILL (1.800.637.7455). Thank you for being a valued client.
Easy access to your account information anytime
Now that your banking statement has been enhanced, we also want to remind you that you have many other
convenient ways to access your account information.
• Online Banking. You can access your banking
account information 24/7 through Bank of America
Online Banking. It’s also a great resource to answer
questions you may have about your banking
accounts or to learn more about Bank of America
solutions and services.
• Paperless Statements. If you would prefer to
receive paperless statements, you can enroll by
logging into your account online.
How to read your statement
• Mobile Banking. There’s no easier way to bank on
the go. Just download the Bank of America Mobile
App1 and enjoy access to your banking account
information, receive alerts2 and even deposit
checks right from your mobile device or tablet.3
• Text Banking. Get balance and transaction
information within seconds by text.4
1
See sample statement below. Product name may vary slightly on new design.
Customer
service information
Wealth Management
Banking
Customer service: 1.800.888.8888
TDD/TTY users only: 1.800.288.4408
En Español: 1.800.688.6086
Client services information
Wealth Management Banking
1.800.MERRILL
bankofamerica.com
(1.800.637.7455)
P.O. Box 53150
P.O.
Box 53150
Phoenix,
AZ 805072-3150
Phoenix, AZ 85072-3150
805072-3150
P.O. Box 53150
Phoenix, AZ 805072-3150
99999 999 SCM999 I 9 9
JAMES
MORISSON
JOHN B.
CLIENT
NAME LINE 2
123 ANY STREET
ADDRESS LINE 2
ANYTOWN MA 02492 - 4060
99999 999 SCM999
I99
JOHN JAMES MORISSON
NAME LINE 2
123 ANY STREET
ADDRESS LINE 2
ANYTOWN MA 02492 - 4060
1
users only: 1.800.288.4408
TDD/TTY
P.O. Box 25118
En
Español:
1.800.688.6086
Tampa
FL 33622-5118
Client services information
bankofamerica.com
1.800.MERRILL (1.800.637.7455)
P.O.
Box 25118
TDD/TTY
users only: 1.800.288.4408
Tampa,
FL 33622-5118
En Español:
1.800.688.6086
bankofamerica.com
The information you need in a clear,
organized format.
1
Client services information. Find
important contact information in this area.
2
Important messages. Check here
for important notifications, which are
highlighted to make them easier to locate.
3
Account summary. A breakdown of
information concerning your current
statement is located here, including your
beginning balance, deposits, withdrawals
and checks.
4
Statement messages. You’ll see relevant
messages, flagged by topic using these
new icons, to help you better understand
your account.
5
Special offers. Look for special solution
or benefit offers that may be of interest
to you.
P.O. Box 25118
Tampa, FL 33622-5118
Your Bank
of America
banking
statement summary
Your
statement
summary
Your banking
combined
banking
statement
Premium
summary
Accounts
statement
for
2013 to July
May 30,
31, 2012
2013
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Page 3
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Page 9
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Page 7
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Page 11
Page 9
Page 12
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$
See page 10 for disclosure information.
Investment
Merrill Lynchproducts:
Weath Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered broker-dealer
Investment products:
and member SPIC, and other subsidiaries of Bank of America Corporation.
Are Not FDIC Insured
Are Not Bank Guaranteed
May Lose Value
FDIC Insured
Are Not Members
Bank Guaranteed
May
Value
Banking products Are
areNot
provided
by Bank of America, N.A., and affiliated banks,
FDIC and wholly owned subsidiaries of Bank
of Lose
America
Corporation.
See page 11 for disclosure information.
See page 10 for disclosure information.
B 05 E A E PA 5 0091852
Merrill Lynch Weath Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered broker-dealer
and member SPIC, and other subsidiaries of Bank of America Corporation.
Banking products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.
How to read your statement
2
Withdrawals and other subtractions - continued
Date
Description
Amount
See sample statement below. Product name may vary Your
slightly
on new design.
checking account
07/20/12
07/20 Exxon 29203 Salem #000860306
- 46.32
07/20/12
07/20 Bank of America ATM / US Gas Remote Salem #0000004022
07/29/12
07/29 Bank of America ATM / US Gas Remote Salem #0000004022
07/29
Exxon 29203
#000860306
07/29/12
| Account
| July 1,Payment
JOHN
JAMES MORISSON
# 0000 Salem
9999 9999
2012processing
to July 30, 2012
information
- 80.00
07/29/12
Phoenix,
AZ 805072-3150
6
07/29 Exxon 29203 Salem #000860338
make your payment’ section on the front of your remittance coupon or at
such other locations as may be designated by Bank of America, N.A. If
your loan is not current, based on certain conditions, such as bankruptcy
or foreclosure, you may be unable to make a payment using one or more
of the means or locations listed in the ‘You can make your payment’
section. For mailed payments, if you do not mail your remittance coupon
with your payment or do not mail your payment to the designated
payment location, it may cause delays in the processing of your payment.
Payments mailed with the remittance coupon to the designated location
which are received by 5:00 p.m. in the time zone of the designated
payment location will be credited to your account effective on that
business day, unless otherwise specified on the remittance coupon
provided. All payments mailed to Bank of America, N.A. must be in the
form of a check or money order (drawn in United States dollars and
payable by a United States financial institution or the United States Postal
Service) made payable to Bank of America, N.A. Certified or other forms
of payment may be required if previously advised.
4.84
PAGE 5- OF
12
PAGE
PAGE 55 OF
OF 12
12
Any full periodic payment that is received and accepted will be applied to the longest
outstanding periodic payment due, unless otherwise expressly prohibited or limited by
your loan documents, the owner/insurer/guarantor of your loan or applicable law.
Payments will be applied as described in your loan documents, including any
modifications to the original documents. If your loan is current, please specify how you
want any additional amounts you pay to be applied to your account. If you do not
specify, subject to your loan documents, additional amounts will first be applied to
fees or other amounts owed on your account and the remainder applied as a principal
reduction. If we are unable to apply additional amounts to your account as you
specify, we may return the funds to you. Postdated checks will be processed on the
date received unless an authorized representative agrees to honor the date written on
the check as a condition of a repayment plan.
- 50.23
Withdrawals
and
subtractions
other
subtractions -- continued
Client services information
Total
ATM and
debit
cardother
subtractions
- $3,444.46
Service
fees
Withdrawals
and
other
subtractions
- continued
1.800.MERRILL (1.800.637.7455)
Date
Description
Amount
Withdrawals
and
other
subtractions
Other
subtractions
This
is a message
zone
for informational
purposes- continued
only - Lorem ipsum aut unt quo opta quaernatem
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non MONTH
NO CHANGES
SINCE
Other
subtractions
about
your
account
$ Information
TDD/TTY users only: 1.800.288.4408
Date
Description
07/20/12
07/20 Exxon 29203 Salem #000860306
-Amount
46.32
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3 of 4
Account Number 999999999
Property address
12345 Main Street
10
75.00
PAGE- 5
OF 12
Wealth Management Banking
| July
Best#Buy
Plaistow
#000859825
07/29/12
| | Account
JOHN
JAMES
Account
# 0000
9999
9999
1, 2012
to July
30,
2012
JOHN
B.MORISSON
CLIENT 07/29
0000
999
9999
| May
1, 2013
to May
31,
2013
Payments
are
considered to be received by Bank of America, N.A. when
received
through
the means or at the locations designated in the ‘You can
JOHN
JAMES
30,
2012
JOHN
JAMES
MORISSON || Account
Account ## 0000
0000 9999
9999 9999
9999 || July
July 1,
1, 2012
2012 to
to July
July
30,
2012
P.O. Box
53150MORISSON
The information you need in a clear,
organized format.
Statement date 09/20/2011
Your
- 50.23
Your checking
checking account
account
PAGE 2 OF 10
Partial payment policy - A partial payment is a payment less than your
full periodic payment due. Depending on the requirements of your loan
documents, the owner/insurer/guarantor of your loan or applicable law,
and, depending on the status of your account, partial payments may be
promptly returned to you, applied to your account or held in a noninterest bearing account for a period of time until you send us additional
funds sufficient to equal a full periodic payment due. If your loan is
current and your loan documents permit us to apply partial payments to
your account, partial payments will be applied as you specified, and, if
not specified, subject to your loan documents, they will first be applied
to fees or other amounts owed on your account and the remainder
applied as a principal reduction. If we are unable to apply partial
payments to your loan as you specify, we may return the payment to
you. If your loan is not current and your loan documents permit us to
hold a partial payment in a non-interest bearing account, we will do so
until you send us additional funds sufficient to equal a full periodic
payment due. If you don’t send us additional funds, subject to your loan
documents, we may apply some or all of the partial payment to amounts
owed on your account and return the balance of the payment to you. If
your loan is in default and declared due and payable or your loan is in
foreclosure, we may be unable to accept or apply partial payments and
will return them to you.
Date
Description
Amount
Date
Description
Amount
En Español: 1.800.688.6086
We may charge you a Amount
fee (of up to $40.00) for any payment returned or rejected by
Date
Description99999 999 SCM999 I 9 9
07/20/12
07/20
Exxon
29203
#000860306
--a46.32
07/20
Bank
America
ATMexpe.
/ US Gas Remote
80.00
07/20/12
your financial
institution,
subject to the requirements of your loan documents and
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Change
of address
– Please
call
us Salem
at the
telephone
number Salem
listed #0000004022
on the front of this statement to tell us
about
change
JOHN
JAMES
MORISSON
applicable law. In addition,
there may be fees for certain services related to the
07/20/12
07/20
Exxon
29203
Salem
-- 46.32
07/20/12
07/20
Exxon
29203
Salemto#000860306
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of your loan, which
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07/02/12
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07/02/12
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07/20
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07/29
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ATM //Account
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Gas6116
Remote
Salem #0000004022
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50.23
07/29/12
NAME
LINE 2
quoted upon request. All fees are subject to change without prior notice.
07/20
Bank
of
America
ATM
/
US
Gas
Remote
Salem
#0000004022
80.00
07/20/12
07/20
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07/20/12
Date123 ANY STREET
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description
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AAA
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England
07/06/12
07/29
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-- 50.23
07/29/12
07/29 Bank
Exxonof29203
Salem
75.00
07/29/12
For all full month payment periods, interest is calculated on a
P.O.
Box
25118
ADDRESS
LINE
2
Bank
of
America
// US
Gas
Remote
Salem
---50.23
07/29/12
Check copies
–07/29
Youfee
can
view
printATM
check
copies
through
Online#0000004022
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also
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monthly
basis. Accordingly,
interest
07/29
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Gas6116
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50.23
07/29/12
07/18/12
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for Salem
07/06/12
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07/06/12
number:
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available to you to
make
07/29
Exxon
29203
Salem
-of 75.00
07/29/12
07/29
Best
Buy
Plaistow
#000859825
-9999
4.84
07/29/12
Tampa,
FLservice
33622-5118
ANYTOWN
MAmore
02492
actual number
days
in the
| - 4060
| July
your payment.
To learn more details please
call customer
at
PAGEfront
4
OF
12month. For partial months, interest
JOHN
JAMES
Account
#
0000
9999
9999
1, 2012
to July
30, Client
2012
copy
or MORISSON
get
information
about
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item
by calling
the
Services
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numberisthecalculated
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Exxon
Salem
#000860306
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07/29/12
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the
basis of a 365 day year.
07/29
Exxon 29203
29203
#000860306
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07/29/12
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Monthly
fee
0.00
07/30/12
AT&T
Mobility
323.88
07/07/12
PAGE
3
OF
10
Plaistow
#000859825
4.84
07/29/12
07/29 Best
ExxonBuy
29203
Salem
#000860338
- -50.23
07/29/12
this statement. 07/29
07/29
Best
-- 4.84
07/29/12
07/29
Best Buy
Buy Plaistow
Plaistow #000859825
#000859825
4.84
07/29/12
AT&T Mobility
233.88
07/10/12
Total ATM
service
-- -$35.00
07/29
29203 Salem #000860338 Other important
50.23
07/29/12
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debit
cardExxon
subtractions
- $3,444.46
07/29
Exxon
29203
Salem
#000860338
50.23
07/29/12
07/29
Exxon
29203
Salem
#000860338
50.23
07/29/12
information
Deposit agreement
– the
When
you opened
your
account,
you
received
a deposit
agreement
and
fee
schedule
and
agreed
that
Keep
Change
transfer
to
Account
6116
for
07/10/12
0.69
07/10/12
Reporting
Notice:
We
may
report
information
about
your
account
to
credit
bureaus.
Late
payments,
missed payments or other defaults on your account may be reflected in your credit report.
Credit
Note your
Balance
already
reflects the subtraction of Service Fees.
Total
ATMEnding
and debit
card
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- $3,444.46
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AFFINITY LOGO (2.20” x 0.6”)
documents
are part of the contract for your deposit account and governs
allINTEREST
transactions
relating
including
UNPAID
AMOUNT: 1) Your loan
accrues interestto
everyyour
day. Anyaccount,
late payment (a payment
received after the payment due date) results in an addition of interest to your account. The amount of the additional interest is
Other
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- 0.16
07/20/12
to as ‘Unpaid Interest’. 2) Ensuring that your payment is received on or before the payment
due date will keep this amount from growing. 3) The ‘Unpaid Interest’ total does not affect the amount of your monthly payment
Date
Description
Amount
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which
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Your
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NSF:
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fees
for
this
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period
and
year
to
date
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Your Ducks Unlimited - Regular Checking
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Your banking statement summary
Date
for July
Date
Description
1, 2012 to
July 30, 2012
Description
7
Information about your account. Refer to
this section for details on how to change
your address, make electronic transfers,
report problems and more.
Service fees. We’ve provided a new and
Account
summary
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07/06/12
of your loan or applicable law, funds you send us cannot be applied to your loan and we hold these funds in a non-interest
Unapplied funds – Depending on the requirements of your loan documents, the owner/insurer/guarantor
07/02/12
Keep
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for 07/02/12
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This
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bearing transfers
account until they can
Forthink
example, if your
you
send us
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payment (i.e.or
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less than your full periodic payment due), we may be unable to apply the payment to your loan and will hold the funds in the
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transfers:
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the
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your
account
and
return
the
balance
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the
unapplied
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online payment
You Can Make Your Payment By Phone. There is a $15.00
Amount
Amount
Prepayment Penalty: In accordance with your loan agreement, if you choose to prepay the principal or pay off the loan in full, before the expiration date of the Prepayment Penalty, you will be required to pay the fee which will be
due and payable and cannot be waived. Please review your loan agreement for the expiration date, amount and terms of the Prepayment Penalty.
!
service, MortgagePay on the Web, allows you to make your
payments around the clock. Visit www.bankofamerica.com and
check out the demo to see just how easy it is.
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fee for using the automated pay-by-phone service, or if
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Service Representative, there is a $20 fee for this service.
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See page 10 for disclosure information.
07/10 Hess 29203 Salem #000860306
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Merrill Lynch Weath Management
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available products
andF26674
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by Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered broker-dealer
07/10
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PAGE
5 OF 12
and member SPIC, and other subsidiaries of Bank of America Corporation.
07/10
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#000860306
07/10/12
Banking products are provided
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of America,
and affiliated
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07/10 Derry Diner Derry 24013390193020019500269
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07/15 Hess 29203 Salem #000860306
07/15/12
Bank of America, N.A. Member FDIC and
Equal Housing Lender
07/19 Best Buy Plaistow #000859825
07/19/12
- 2,193.44
07/10/12
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This is a message zone - For presentation purposes only.
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How to read your statement
PAGE 2 OF 12
3
To access Mobile Banking, you must first enroll through the Mobile Banking App or at bankofamerica.com. Once enrolled, the
same Online ID and passcode can be used to access both Online and Mobile Banking. Transfers and Bill Pay must be set up in
Online Banking using a desktop or laptop browser. View the Online Banking Service Agreement at www.bankofamerica.com/
serviceagreement for more information about both Mobile and Online Banking.
1
Alerts received as text messages on your mobile access device may incur a charge from your mobile access service provider.
Mobile App alerts are not available on all mobile devices.
2
You must first enroll in Online Banking or Mobile Banking and download the Mobile App. Deposits are subject to verification
and not available for immediate withdrawal. Restrictions apply. Click the “More” button in the App, select “Help” and then
“Mobile Check Deposit” for details, including information on funds availability, deposit limits and proper disposal of checks, and
to see the full terms and conditions. Wireless carrier fees may apply. Requires at least a 2-megapixel camera. This feature is not
available on the Mobile Website and is not available on all mobile devices.
3
4
Bank of America does not charge for Text Banking. However, your mobile service provider may charge for sending and receiving
text messages on your mobile phone. Check with your service provider for details on specific fees and charges that may apply.
Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith
Incorporated, a registered broker-dealer and member SIPC, and other subsidiaries of Bank of America Corporation (“BAC”).
Banking products are provided by Bank of America, N.A., and affiliated banks, members FDIC and wholly owned subsidiaries of BAC.
Investment products:
Are Not FDIC Insured
Are Not Bank Guaranteed May Lose Value
©2013 Bank of America Corporation
How to read your statement
AREE5AD5
INS-10-12-0547.C
4