Welcome to your new, enhanced banking statement Easy ...
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.
? M obile 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
? T ext Banking. Get balance and transaction information within seconds by text.4
How to read your statement
1
See sample statement below. Product name may vary slightly on new design.
P.O. Box 53150 PP.hOo.eBnoixx, 5A3Z158005072-3150 Phoenix, AZ 850057027-23-1351050
P.O. Box 53150 Phoenix, AZ 805072-3150
99999 999 SCM999 I 9 9
JOHN JBA.MCELSIENMTORISSON
NAME LINE 2
123 ANY STREET ADDRESS LINE 2 ANYTOWN MA 02492 - 406099999 999 SCM999 I 9 9
1
JOHN JAMES MORISSON
NAME LINE 2
123 ANY STREET
ADDRESS LINE 2
ANYTOWN MA 02492 - 4060
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PT.DOD. /BToTxY2u5s1e1rs8 only: 1.800.288.4408 TEanmEpsapaF?Lo3l:316.2820-05.161888.6086 Client services information 1.800.MERRILL (1.800.637.7455) PT.DOD. /BToTxY2u5s1e1rs8 only: 1.800.288.4408 TEanmEpsap,aF?Lol3: 316.82020-5.618188.6086
P.O. Box 25118 Tampa, FL 33622-5118
2
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abo. Eventur accusdaecte simod quo quo magniatet facesci pitatis. This is a message zone - For presentation purposes only. This is a message zone - For presentation purposes only. InvesLILftgumoongrreiaeesn.mmt mIpgriioonppdlissosuuurcimmmtosno:aalrouuerttsiouutninnattreeqqtsuuutooriarooeeppstttutaarqqqrueuuiasaamteerrq,nnuiaapiattseemummn, tieeipuxxssppueesnrrituutiiummasdccsoooiltnnoiarnnedoomonnlopccrouuerllmellooprrepeeroccittraooespttaeeebrmmioa.sfuga. Eabveon. tEuvreanctAcuruer sNadocatcFeuDcsItCdeaInsesiucmrteeoddsiqmuoodqquuoomqaugonmiaategtnifaatceetsAfcareicpNeiosttacBtiiaspn.iktaGtuiasr.anteed
May Lose Value
See page 10 for disclosure information.
IMInnvveeerrssilttlmmLyeennnctthppWrrooeddauutcchttssM:: anagement makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered broker-dealer
and member SPICA,raenNdoottFhDeIrCsIunbssuirdeidaries of Bank of America CorporatiAorne. Not Bank Guaranteed
May Lose Value
Banking productsAarreeNporot vFiDdIeCdInbsyuBreadnk of America, N.A., and affiliated bAraenkNso,tMBaenmkbGeursarFaDntICeeadnd wholly owned subsidiaries of BanMkaoyf LAomseerVicaaluCeorporation.
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
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.
2
Withdrawals and other subtractions - continued
Date
Description
Amount
See
s0a7/m20/p1l2e
07/20/12
stat0e7m/20eEnxxotn b29e20l3oSwale.mP#r00o0d86u03c0t6 name 07/20 Bank of America ATM / US Gas Remote Salem
may vary
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07/29/12
07/29 Bank of America ATM / US Gas Remote Salem #0000004022 YYoouurr cchheecckkiinngg aaccccoo- 5uu0nn.2tt3
Statement date 09/20/2011
3 of 4
The information you need in a clear, AccountNumber999999999 Property address 12345 Main Street
6
J0O7H/N2J9A/M1E2S MORISSON07/|29AEcxcoxounnt 2#90200030 S99a9le9m99#909008| 60J3ul0y61,Pa2y0me1n2t prtooceJssuinlgy 30, 2012
Wealth Management BaPAnGkE-i5n75gOF.01020
information
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be received by Bank of America, N.A. when or at the locations designated in the `You can on the front of your remittance coupon or at be designated by Bank of America, N.A. If
PAGE 5- O4F.8124 Any full periodic payment that is received and accepted will be applied to the longest
PPAAGGEE 55 OOFF 1122 outstanding periodic payment due, unless otherwise expressly prohibited or limited by
- 50.23 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
organized format. 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
WTSoetiatrlhvAdiTcMreaawfnedaedlssebaitncdardoosttuhhbeterarrcstsiuonbstractions -- continued
your loan is not current, based on certain conditions, such as bankruptcy
modifications to the original documents. If your loan is current, please specify how you
Client services informatio- n$3,444.46 or foreclosure, you may be unable to make a payment using one or more
want any additional amounts you pay to be applied to your account. If you do not
of the means or locations listed in the `You can make your payment'
specify, subject to your loan documents, additional amounts will first be applied to
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
section. For mailed payments, if you do not mail your remittance coupon
fees or other amounts owed on your account and the remainder applied as a principal
current and your loan documents permit us to apply partial payments to
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be
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.
reflected in your credit report.
Other subtractions T0o7t/a1lyo0Au/Tr1Ma2cacnodundtewboituATlcd&abTrdeMsgooubvbiletitrrynaecdtiobynsthe
terms
of
those
documents
as
- $3,444.46 we may reference them from time to time. Th- e2s3e.68 Bank of America, N.A. is required by law to inform you that this communication is from a debt collector.
AFFINITY LOGO (2.20" x 0.6")
OAthcecr souubtnrat documents are part of the contract for your deposit account and governs all transactions relating to your account, including UNPAID INTEREST AMOUNT: 1) Your loan accrues interest every day. Any 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
ctions D0a7t/e 20/12 DKeesecpripthtioenChange transfer to Account 6116 for 07/20/12 A-m0o.u1n6t referred 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
OYthoeur srubbtraacntikonisng statement summar y all deposits and withdrawals. Copies of both the deposit agreement and fee schedule which contain the current version of the This is a mes age zone for informational purposes only - Lorem ipsum aut unt quo opta quaernatem experum con non due, however it will impact your loan at the time you pay-off your loan by increasing the total amount due.
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full, before the expiration the Prepayment Penalty.
date
of
the
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you
will
be
required
to
pay
the
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which
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$9,999.99 Page 7 Want more flexibility? Bank of America, N.A. online payment
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You Can Make Your Payment By Phone. There is a $15.00
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fee for using the automated pay-by-phone service, or if you choose to process a payment through a Customer Service Representative, there is a $20 fee for this service.
Service fees 0WT7oot/ra0ltdlh2seP/e1omr2ivnoitncseeyCfrdeeuedrsiint gC0ta7hr/ed02timBeanikt wofillAtmaekreictaoXAXcTXoMXm/pXlXUeXSteXGoXauXsrXRiXnevm1e1sott1eig1aStaiolenm. #000$050,0030270.384
Page 9
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D0TN0D0T0D0000000I0TN0D0T0nooaa7777o55ao7o777a77777v77tttttte////tttee///////ee////aaeesaa131313TLfa1010001311tllttmDsyulmly0000ohbrh0090977o000015assgoaisdrioae//e//ru/////////sam//eee//unnee.ek1111r111111111.11mrrr11tssciereEp2222Esvv2222222Ip2222Etav33tgvonaiirianpicaeoccnpddcstdtedniseeecieiisemuinrottuSTOMTOMmnlTOMpcOMTDPsusarrgffnmremargftaavveeaoaovrooavseeieosoeefnnBmeanyo:eeBsennwnnaepnnsenassrrrsarnslrittssacoddotatioaadtstudahhoylathadchlsarrsclcgrhcatarclllraalugialttDyyantyeotyivntiuoffi?sacnoioffoc00000ettoanfftcfntfntnzdoieeenenp77777eIeinffthotffaflmreeeeehdedoeaed/////asetneqaeeeyeeyesee00010bltspeulprocrssisrlte77909ateutoccetuecia-eaairrnsBarmiiDHMDHFdoidphptypdsoeoo,pdfeeeetyteatcyixoiitrimtooyrsrsiDovuryarrtrronnpFepssneBUDroeyyoioetuferoqefalnunrdh22eDDleaerenuseniames99icvriiqcasoacsnnklreet22rdtutnaeadpseeinsrpo00sordqnysrrrtttnsfot33hiuaagWDDhoqcaipAbeieltnneauaSSeeteiimlMdenoesolmrraassclrrmdunemilluitoyyu,mleehfbrolbipmeissmm22eatecpaturnhrmdxa44seagoarapa##un00cDprtcAiecv00Ftnnio11teTauitear2io00tsh33Mosutnitsn6eue00edhnm33aeI6sst88iDeSo99uorst7f66feceao:s00ftad34oSha00cnnil11Sctee6nteortl33iee992yapep0rrd00s.rn334viho7vdzcMe366oi004osicei0ocpn022oei2ndpel5toon00e7ciFd0satFrtiu003eaecari0englta11eat3mlyers0uions,ses990sm1r.sC.mep.55e1o0aAbomc009ar4ctre004doee1ltre22i7pen6otsl662eetixntss88r0mo(sit)wa0I,e.nysh2dwodi1ecnuo8h:rna9Barpt4eicher8,cernD1oioof6uadrtvnosiltndiaatabrCtoeleoflenttIahDoosi:stmy9oo0sount0raec2ftoe3etrh5m,ea0avenen4nrd86ty10yt6oo0dufaindaydags$yr9oea--s99-u,e-f$$,,$9--tf-99-t----re633AA33nA39A3o3399i411--rmmmf555om0550m5905059900429woott..o.....o........h00.....0000uu000e0u90099tu11883tenno00n00h00n000900009966481ttmtte ake
NN0oo7tt/ee1dyy0ooeuT/uprh1roEiE2ssnnitdidswiinnaaggsmBBmaaellsaaasndnac0cegee7ea/aas1lzlrroe0esnaacDdedheyyefrordreeryufflillDeenecicfdnott.sesrmrtthhDaeeetsirsoruuynbba2ttrrl4aap0ccut1tiiroo3pnn3oo9sofef0SsS1ee9orr3nvvi0liccy2ee-0FFL0eeo1eerse9s..m50i0p2su6m8 aut unt quo opta quaernatem experum con no- n19.97
Are Not FDIC Insured
Are Not Bank Guaranteed
May Lose Value
07/10c/u1l2lorecto tem f0u7ga/.10 McDonalds Windham F26674 24427330194720021894817
- 8.22
0Se7e/p1a0ge/1102for disclosure i0nf7o/rm1a0tioHne. ss 29203 Salem #000860306
- 40.78
0M7er/ri1ll 0Ly/n1ch2Weath Manage0m7e/n1t m0aMkecsDaovanilaalbdlespWroidnudchtsaamndFs2er6v6ice7s4of2fe4re4d2b7y3M3e0rr1ill9L4yn7c2h,0P0ie2rc1e8, F9e4nn8e1r6& Smith Incorporated, a registered broker-PdAeGa- lE4er.58O4F 12
and member SPIC, and other subsidiaries of Bank of America Corporation.
0Ba7n/k1in0g /pr1od2ucts are provid0ed7b/y1B0anHkeosfsAm2e9ri2ca0,3N.SA.a, alenmd a#ffi0lia0te0d8b6a0n3ks0, 6Members FDIC and wholly owned subsidiaries of Bank of America Corporation.- 40.16
07/10/12
07/10 Derry Diner Derry 24013390193020019500269
- 35.07
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07/15 Hess 29203 Salem #000860306
Bank of America, N.A. Member FDIC and
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3
1To access Mobile Banking, you must first enroll through the Mobile Banking App or at . 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 serviceagreement for more information about both Mobile and Online Banking.
2Alerts 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.
3You 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.
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
AREE5AD5
INS-10-12-0547.C
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