4447962354961959

WILMINGTON TRUST BANK CREDIT CARD STATEMENT

Account Number 4170-xxxx-xxxx-2673
December 16, 2017 to January 15, 2018

SUMMARY OF ACCOUNT ACTIVITY PAYMENT INFORMATION

Previous Balance $232.61 New Balance $579.00
Payments - $0.00 Past Due Amount $25.00
Other Credits - $0.21 Amount Due This Period $54.00
Purchases + $311.11 Minimum Payment Due $79.00
Cash Advances + $0.00 Payment Due Date 11/11/17
Fees Charged + $25.00 Late Payment Warning:
Interest Charged + $10.49 If we do not receive your minimum payment by the date listed above,
you may have to pay a late fee up to $35.
New Balance $579.00
Minimum Payment Warning:
Credit Limit $550.00 If you make only the minimum payment each period, you will pay more
Available Credit $0.00 in interest and it will take you longer to pay off your balance.
Statement Closing Date 10/15/17
Days in Billing Cycle 30 For example:
If you make no You will pay off the And you will
QUESTIONS? additional charges balance shown on end up paying
Call Customer Service or Report using this card and the statement in an estimated
a Lost or Stolen Credit Card 1-800-982-4620 each month you pay... about... total of...
Outside the U.S. Call 1-302-636-8500
Only the minimum
Please send billing inquiries and correspondence to: payment 3 years $768.00
1100 North Market St., 10th Floor
Wilmington, DE 19890 If you would like a location for credit counseling services,
call 1-866-515-5720.

TRANSACTIONS
Reference Number Trans Date Post Date Description of Transaction or Credit Amount
247893085KWPV6QAD 12/16 12/16 THE BUCKLE #249 BEACON NY 212.53
24445008900T2AR9M 12/21 12/21 DISCOUNT-TIRE-CO MIG-29 BEACON NY 40.00
24164058DB019YYY2 12/25 12/25 EXXONMOBIL 99405789 BEACON NY 34.00
24445008E2X9F7XG6 12/26 12/26 MEIJER #217 Q01 BEACON NY 19.07
F5727008E000FR 12/27 12/27 CREDIT ONE REWARD CREDIT -0.21
WILMINGTON DE
01/14 01/14 CREDIT PROTECT 1 866 236 1622 5.51
Fees
01/14 01/14 LATE FEE 25.00
TOTAL FEES FOR THIS PERIOD 25.00
Interest Charged
01/14 01/14 Interest Charge on Purchases 10.49
01/14 01/14 Interest Charge on Cash Advances 0.00
TOTAL INTEREST FOR THIS PERIOD 10.49
2017 Totals Year-to-Date
Total fees charged in 2017 $134.95
Total interest charged in 2017 $36.19

YOUR ACCOUNT IS PAST DUE. IT IS NOT TOO LATE TO

PROTECT YOUR CREDIT RATING! PLEASE PAY THE
MINIMUM AMOUNT DUE NOW OR CALL (888) 729-6274.
.
If your account is past due you could get help.
You have Credit Protection - Request benefits today.
It can help make payments if you get laid off or become
disabled, and there is a loss of life benefit, too.
Call 1-866-803-1746 to request benefits today!

INTEREST CHARGE CALCULATION

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

Balance Subject to
Type of Balance Annual Percentage Rate (APR) Interest Rate Interest Charge
Purchases 24.90%(v) $505.56 $10.49
Cash Advances 24.90%(v) $0.00 $0.00

(v) = Variable Rate

5385 JBH 001 7 15 180114 0 X PAGE 1 of 1 2 0 5727 9620 A125 O1EO5385

Please return this portion with your payment, and write your account number on your check, made payable to CREDIT ONE BANK.

PAY YOUR BILL ONLINE at CreditOneBank.com

Account Number: 4170 xxxx xxxx 2673
New Balance: $579.00
Minimum Payment Due: $79.00
Payment Due Date: 01/21/18
For address, telephone and email changes,
please complete the reverse side.
Or, update your contact information online
at www.WilmingtonTrust.com AMOUNT ENCLOSED: $ .

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Wilmington Trust Bank, N.A JESSICA WRIGHT

1100 N Market Street HOME PUN FOOD LTD.
Wilmington, DE 19890 223 MAIN STREET
TDDDAFAFADDTDFFTATFFFFTFAAAFDFAFTDFFDTTFFFAFFFDFFFTFTFFDFDDDTTAAA BEACON NY 12508

0000000 0057900 0005400 4447962354961959 8

PAYMENTS: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your
bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may re-present the
returned check electronically. Your payment, if accompanied by a valid credit card account number, regardless of the method of receipt, will be credited to your credit
card account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time. Credit One Bank will not be responsible for processing delays or failure to
process the payment to your credit card account if the payment does not contain your credit card account number or is not accompanied by a payment coupon.
PAYING INTEREST: We will begin charging interest on purchases and cash advances on the posting date.
HOW WE WILL CALCULATE YOUR BALANCE: We use a method called “average daily balance (including new purchases).”
BALANCE SUBJECT TO INTEREST RATE: Periodic Interest Charges will be assessed from the date the purchase, cash advance, fee or charge is posted to your
Account until the date it is paid in full, and will be calculated by applying the monthly periodic rate to the “average daily balance” of your Account. To get the
“average daily balance” we take the balance of your Account each day, add any new purchases, cash advances, fees, and charges and subtract any payments or
credits and unpaid periodic Interest Charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total by the
number of days in the billing cycle. This gives us the “average daily balance.” Periodic Interest Charges will be assessed on all “average daily balances” until paid in
full. All purchases, cash advances, fees or charges accrue interest charges starting on the date of posting, even if the new balance from your previous statement
was paid in full or even if that new balance was zero. A minimum Interest Charge of $1.00 will be imposed for any billing cycle in which an Interest Charge is due.
ANNUAL MEMBERSHIP FEE NOTICE: This Notice applies to your Account if the Annual Fee is assessed annually. Your Account is subject to an Annual
Membership Fee (“Annual Fee”). Your Account statement for the month of annual renewal will show the amount of the Annual Fee applicable to your Account. The
following disclosures apply to your renewal Account: There is no grace period for purchases and cash advances. Your Annual Percentage Rate (“APR”) may vary. The
current APR for Purchases and Cash Advances applicable to your Account are shown on the front of your statement under the APR heading. For each billing
cycle, the APR is determined by adding 20.65% to the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published
on the 25th day of each month. The new rate will be applied to all balances on the Account. The APR will never be greater than 29.90% (corresponding monthly
periodic rate of 2.4916%). We use the average daily balance (including new purchases) method of computing the balance for purchases. A minimum Interest
Charge of $1.00 will be imposed for any billing cycle in which an Interest Charge is due. See your Cardholder Agreement for additional information regarding your
Account and additional fees and charges that may be assessed.
The Annual Fee will continue to be billed to your Account annually for the coming year unless you terminate credit availability on your Account and pay the outstanding
balance in full. If you choose to terminate credit availability and avoid paying the Annual Fee, you must contact us by telephone at (877) 825-3242 or give us written
notice to close your Account, sent to the address for inquiries shown on the first page of your statement. Your notice must reach us no later than 30-days from when
your statement is mailed or delivered on which the Annual Fee is imposed. Closed accounts are subject to the Annual Fee as long as an outstanding balance remains
on the Account.
If your Annual Fee is billed to your Account monthly, this Notice does not apply to your Account. We will send you an Annual Membership Fee Notice at least annually.
What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at: Wilmington Trust Bank, 1100 North Market St., 10th Floor, Wilmington, DE 19890.
In your letter, give us the following information:
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the
amount in question.
While we investigate whether or not there has been an error, the following are true:

• We cannot try to collect the amount in question, or report you as delinquent on that amount.
• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a
mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.
• While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
• We can apply any unpaid amount against your credit limit.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the
merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than
$50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods
or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card
account do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:
Wilmington Trust Bank. N.A., 1100 North Market St., 10th Floor, Wilmington, DE 19890.
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that
point, if we think you owe an amount and you do not pay we may report you as delinquent.

O1EO5385 - 1 - 02/04/2016

Update your contact information online at www.WilmingtonTrust.com or fill in your address, telephone,
and/or email changes below:

Mailing Address

Address Line 2

City State Zip

Primary Phone Number† Secondary Phone Number†

( ) ( )

Email Address* †
@
† I authorize Wilmington Trust Bank and its agents to contact me at any phone number I provide at any time (including
cellular/wireless telephone

* We may use your email address to contact you about your Account. C55-00004