P.O. BOX 2227 Merced, CA 95344-0227 800.358.

8228

VISA Platinum
MONICA E RYAN

06/16/2013 - 07/15/2013

Statement Period

Account #

217020-75

Credit Limit Previous Balance Payments Purchases Fees Charged Cash Advances Adjustments Interest Charged Your New Balance Your Available Credit Statement Closing Date Days in Billing Cycle

Account Summary
+ + + +/+ =

$3,500.00 $159.16 $0.00 $0.00 $0.00 $0.00 $0.00 $1.38 $160.54 $3,339.46 07/15/2013 30

Type of Balance Purchases Cash Advance

Avg. Daily Balance

Rate Details
Annual % Rate 8.1500% (v) $0.70 15.1500% (v) $0.68 (v) = Variable Rate Interest Charge

Late Payment Warning: If we do not receive your Minimum Payment by the due date listed above, you may have to pay a late fee of up to $15.00. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take longer to pay off your balance. For example:

Payment Due Date Minimum Payment Overlimit Amount

08/15/2013 $24.00 $0.00

Payment Information

New Balance Past Due Amount Total Payment Due

$160.54 $24.00 $48.00

If you make no additional charges and each month you pay... Only the minimum payment

You will pay off the balance in about... 7 months

And you will pay an estimated total of... $165

$103.20 $53.75

If you would like information about credit counseling services, call 877.847.2155.

Purchase

Account Transactions
Posting 07/15

Description

Interest Charged Amount $0.00 $3.75

Purchases/Charges Interest Charged 07/15 Interest Charge on Purchases 07/15 Interest Charge on Cash Advances Interest Charges This Period 2013 Total Interest Charges

1.38

Payments/Credits Amount 0.70 0.68 $1.38 $3.59

Fee Summary Fees This Period 2013 Total Fees

Purchases through 07/15/2013: $305

Your Accrued 1% Cash Back is: $3.05

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Please detach and return this portion with your payment to: Patelco Credit Union, PO BOX 2227 Merced, CA 95344-0227 P.O. BOX 2227 Merced, CA 95344-0227 06/16/2013 - 07/15/2013

Statement Period

Account #

See? It's easy to view your eStatements! Make the switch from receiving paper statements in the mail to eStatements only.

MONICA E RYAN 2005 TWO TOWERS WAY ROCKLIN CA 95765

My address has changed Please complete all information on reverse.

Amount Enclosed

New Balance Minimum Payment Past Due Amount Overlimit Amount Total Payment Due

Payment Information

217020-75 $160.54 $24.00 $24.00 $0.00 $48.00

To avoid additional finance charges on purchases, pay the new balance by the payment due date.

Payment Due Date

08/15/2013

BILLING RIGHTS SUMMARY

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: Patelco Credit Union, Card Services Department, P.O. Box 2227, Merced, CA 95344-0227. Please download and use the Error in Billing - Dispute Form form, which youll find at www.patelco.org/forms. You can mail this form to the address above or fax it to 925.847.3653. In your dispute form, 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 is 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: Patelco Credit Union, Card Services Department, P.O. Box 2227, Merced, CA 95344-0227. 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.

AVERAGE DAILY BALANCE (INCLUDING CURRENT TRANSACTIONS): Your Purchase and Cash Advance balances are computed using the Average Daily Balance (including current transactions) balance computation method. If you wish to obtain more information from us regarding how your balances are computed and resulting Interest Charges are determined, please call us toll-free at 800.358.8228. GRACE PERIOD: Assuming your Purchase balance and Balance Transfer balance are each $0 at the beginning of the statement period, you have a 25 day grace period from the close of the statement period to pay the total ending statement balance of Purchase and Balance Transfer transactions without incurring additional Interest Charges. If the total ending statement balance of Purchase and Balance Transfer transactions is not paid in full during this grace period (or if your Purchase balance or Balance Transfer balance were not $0 at the beginning of the statement period), Interest Charges will be assessed using the Average Daily Balance method as mentioned above. There is no grace period in order to avoid the imposition of Interest Charges on Cash Advances.

NEGATIVE CREDIT REPORT DISCLOSURE: 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. Customer Service & Billing Inquires: Patelco Credit Union P.O. BOX 2227 Merced, CA 95344-0227 Phone: 800.358.8228 Fax: 925.847.3653 patelco.org/contact
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