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Account Number XXXX XXXX XXXX 2859

SUMMARY OF ACCOUNT ACTIVITY
September 17, 2023 - October 16, 2023
Previous Balance $5,506.87
PAYMENT INFORMATION Payments - $250.00
Other Credits - $0.00
New Balance $5,374.92 Purchases and Adjustments + $0.00
Balance Transfers + $0.00
Minimum Payment Due $170.62 Cash Advances + $0.00
Payment Due Date 11/13/2023 Fees Charged + $0.00
Late Payment Warning: Interest Charged + $118.05
If we do not receive your minimum payment by the date listed above, you may have New Balance $5,374.92
to pay a late fee up to $40.00. Statement End Date October 16, 2023
Days in Billing Cycle 30
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: CREDIT LINE SUMMARY
Total Credit Line $9,100.00
If you make no You will pay off the
additional charges using balance shown on
And you will end up Credit Line for Cash $1,820.00
this card and each this statement in
paying an estimated Total Available Credit $3,725.08
total of ...
month you pay ... about ... Available Credit for Cash $1,820.00
Only the Minimum
25 years $16,197.00
Payment REWARDS SUMMARY
$7,776.00 Previous Balance 2,512
$216.00 3 years
(Savings = $8,421.00) Earned + 0
If you would like information about credit counseling services, Redeemed - 0
call 866-686-2158. Other Adjustments + 0
Current Balance = 2,512

Pay Online, Mobile, Phone or Mail

Online Mobile App Phone Mail

www.mercurycards.com In your favorite 866-686-2158 PO BOX 70168
app store Philadelphia PA 19176-0168

For correspondence only: Customer Service, PO BOX 84064, Columbus GA 31908-4064

Please tear at perforation and make payment payable to Card Services. SEE REVERSE FOR IMPORTANT INFORMATION.

Account Ending 2859

CARD SERVICES New Balance $5,374.92
PO BOX 84064
COLUMBUS GA 31908-4064 Minimum Payment Due $170.62
Payment Due Date 11/13/23
Check here for any address changes and
indicate any changes on reverse. Amount Enclosed

MICHELLE R WARD CARD SERVICES

** 0015527 Payment
1530 SECOND AVE PO BOX 70168
To
HOWELL MI 48843-1335 PHILADELPHIA PA 19176-0168

111323 001250235619IIII 0000537492 0017062 0025000 9

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00000000 - 015527 - 0001 - 0002 - 2

Michelle R Ward Closing Date 10/16/2023

Payments: You may pay all or part of your Account balance, at any time. However, you must pay at least the Minimum Payment Due by the Payment
Due Date each Billing Period. We cannot accept wire transfers or payments that are electronically transmitted directly to us using our bank routing
number. If you are enrolled in automatic payments (AutoPay), we reserve the right to cancel enrollment without prior notice. Please do not send
post-dated checks as they will be deposited upon receipt. Late payments, partial payments or payments marked “payment in full” or with any other
restrictive endorsement can be accepted by us without losing any of our rights under your Cardmember Agreement. We may re-present to your
financial institution any payment that is returned unpaid. We may delay increasing your available credit by the amount of any payment that we receive
for up to 10 Business Days.
When Your Mailed Payment Will be Credited. If we receive your mailed payment in proper form at the proper address by 5 p.m. Eastern Time, on a
Business Day, it will be credited as of that day. A payment received there in proper form after that time will be credited as of the next Business Day. If
the payment due date falls on a day when we do not receive or accept payments, the payment will not be treated as late if it is credited the next Business
Day. Business Day means Monday through Friday, excluding federal holidays. Allow at least 7 days for payments by regular mail to reach us. There
may be a delay of up to 5 days in crediting a payment we receive that is not in proper form or not sent to the correct address. The correct address for
regular mail is the 'Payment to' address on the front of the payment coupon. The correct address for express mail is Lockbox Services, Box #70168,
400 White Clay Center Dr, Newark, DE 19711.
Proper Form: For a payment sent by regular or express mail, proper form is a single check or money order, in U.S. dollars, drawn on a U.S. institution,
with a single payment coupon from your billing statement. Include your name and the last four digits of your Account number. Unless sent by express
mail, please use the envelope we provided. No cash or foreign currency. No staples or paper clips. No extra pieces of paper.
Payment online, by phone or mobile: Payments made through our website, www.mercurycards.com, through thephone number shown on the front
of your statement or through our mobile app and completed on a Business Day by midnight Eastern Time, will be credited as of that day. Otherwise, it
will be credited on the next Business Day.
Electronic Check Conversion: When you provide a check as payment on this Account, you authorize us 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. When we use information from your check
to make an electronic fund transfer, funds may be withdrawn from your bank account on the same day we receive your payment, and you will not receive
your check back from your financial institution.
How to Avoid Paying Interest on Purchases: Your due date is at least 23 days after the close of each Billing Period. You will not be charged
interest on Purchases in a Billing Period in which you pay the New Balance in full by the Payment Due Date. If you don't pay your New Balance in full
by the Payment Due Date in a Billing Period, you'll pay interest on existing Purchases, and new Purchases in that billing period, from the date they post
to your Account, subject to applicable law. You will pay interest on Balance Transfers and Cash Advances from the date these Transactions post to
your Account.
How We Calculate Interest: We calculate interest separately for each different balance. Your billing statement shows each balance in the “Balance
Subject to Interest Rate.” We use the “Daily Balance Method (including Current Transactions).” For each balance, to determine a daily balance, we
start with the beginning balance each day. The beginning balance for the first day of the Billing Period is the balance at the end of the prior Billing
Period. Each day, we add any new transactions and fees; subtract any payments or credits applied to that balance; and make other adjustments. We
add Balance Transfer fees to the applicable Balance Transfer balance. We add Cash Advance Fees to the applicable Cash Advance balance. We
generally add other fees to the standard Purchase balance.We add any interest calculated on the previous day's balance. (This means interest is
compounded daily). A credit balance is treated as a balance of zero. This gives us the daily balance. We multiply each daily balance by the applicable
daily periodic rate. We do this for each day in the billing period. The Balance Subject to Interest Rate is the average of the daily balances.
Variable rates: vary with the market based on the Prime Rate.
Credit Reporting: 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. If you think we reported inaccurate information to a credit bureau, write to us Card Services - Dispute
Resolution, PO Box 84064, Columbus, GA 31908-4064.

Change of Address : If the information on the front of this statement is incorrect, please provide updated information:
Please call us for any address change requests outside of the United States, including the US territories.

Name :

Address :

City: State: Zip:

Home Phone Work Phone Cell Phone

Number: Number: Number:

By giving us your telephone number, you authorize us and our service providers to contact you at that number regarding your account. Your consent allows
contact by text messaging, artificial or prerecorded voice messages and automatic dialing technology for periodic informational and service calls. These
communications may be monitored or recorded. Message and data rates may apply. You can opt out of text messaging by responding “STOP.” If you have
any questions regarding privacy, please read our Privacy Notice.
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Michelle R Ward Closing Date 10/16/2023

PAYMENTS AND OTHER CREDITS

Post Trans Reference

Date Date Description of Transactions Number Amount
Payments -$250.00
09/19 09/19 Payment Received -- Thank You 01210006 -$250.00
09/19 09/13 Final Payment Return $250.00
10/14 10/13 Payment Received -- Thank You 01210008 -$250.00

NEW TRANSACTIONS

Post Trans Reference

Date Date Description of Transactions Number Amount
Michelle R Ward XXXX XXXX XXXX 2859 Total Activity $0.71
09/19 09/13 Interest Charge Adjustme Nt $0.71

INTEREST CHARGED
10/16 10/16 Interest Charge-Purchases $117.34
Total Interest for this Period $118.05

2023 TOTALS YEAR-TO-DATE

Total Fees charged in 2023 $40.00
Total Interest charged in 2023 $1,126.19

INTEREST CHARGE CALCULATION

Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Type of Balance Annual Percentage Balance Subject Interest Charge
Rate (APR) to Interest Rate
Purchase 25.74%(v) $5,547.88 $117.34
Balance Transfer 25.74%(v) $0.00 $0.00
Cash Advance 25.74%(v) $0.00 $0.00
(v) = variable rate

Enroll in AutoPay to ensure your payment is made by the due date each month. Simply log in to www.mercurycards.com
and select Set Up AutoPay to enroll today.
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Michelle R Ward Closing Date 10/16/2023

How to Report a Lost or Stolen Card: Call customer service at 866-686-2158.

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 Card Services - Dispute Resolution, PO Box 84064, Columbus, GA 31908-4064.

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 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 usin writing at Card Services - Dispute Resolution, PO Box
84064, Columbus, GA 31908-4064.

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.

Customer Service Address: Card Services, PO Box 84064, Columbus, GA 31908-4064.