р.
1/5
JAMES J DEMANIOW
Closing Date 04/21/20 Account Ending 1175
JAMES J DEMANIOW
New Balance $14,390.09
1312 O MALLEY DR
Minimum Payment Due $65.00
BILLINGS MT 59102
Payment Due Date 05/12/20
Account Summary
Previous Balance $12,105.21
Late Payment Warning: If we do not receive your Minimum Payment Due by
Payments -$850.00
the Payment Due Date, you may have to pay a late fee of up to Credits +$3,134.88
$38.00 and your APRs may be increased to the Penalty APR of 29.99%. New Charges +$0.00
Fees +$0.00
lnterest Charged +$0.00
Minimum Payment Warning: lf you make only the minimum payment each New Balance $14,390.09
period, you will рау more in interest and it will take you longer to рау off your Minimum Payment Due $65.00
balance. For example:
Credit Limit $17,400.00
If you make no additional You will pay off the balance And you will рау an Available Credit $3,009.91
charges and each month you shown on this statement in estimated total of ... Cash Advance Limit $3,009.91
pay... about... Available Cash $3,009.91
Days in Billing Period: 30
Only the 22 months $756
Minimum Payment Due
If you would like information about credit counseling services, call 1-800-558-8472 Customer Care
Pay by Computer
See page 2 for important information about your account.
www.pnc.com
New York Residents: New York Residents may contact the New York State Customer Care Pay by Phone
Department of Financial Services by telephone or visit its website for free 1-800-558-8472 1-800-558-8472
information on comparative credit card rates, fees, and grace periods. New
York Department of Financial Services: 1-800-558-8472 or www.dfs.ny.gov. See Page 2 for additional information.
lmportant lnformation: То access the most up to date version of your For 24-hour banking, and transaction or interest
Cardmember Agreement, please log in to your Account at rate information, sign-on to
www.pnc.com PNC Bank Online Banking at pnc.com
For customer service call 1-800-PNC-BANK
Monday - Friday: 7 AM - 10 PM ET
Saturday & Sunday: 8 AM - 5 PM ET
Para servicio en espanol, 1-866-HOLA-PNC
Please fold on the perforation below, detach and return with your payment
--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Payment Coupon Pay by Computer Pay by Phone Account Ending 1175
Do not staple or use paper www.pnc.com 1-800-558-8472
Make check payable to PNC.
clips
JAMES J DEMANIOW
1312 O MALLEY DR New Balance $14,390.09
BILLINGS MT 59102 Minimum Payment Due $65.00
Payment Due Date 05/12/20
□ Check here if your address or
phone number has changed.
Note changes on reverse side.
PNC Mortgage
P.O. Box 54828
Los Angeles, CA 90054-0828
$ ________ Amount Enclosed
р. 2/5
JAMES J DEMANIOW
Closing Date 04/21/20 Account Ending 1175
IMPORTANT INFORMATION ABOUT YOUR ACCOUNT
We may report information regarding your Account to credit bureaus. If the Account is jointly held, we may
also report information to credit bureaus about any joint owner(s). Negative information, including closing
of the Account with an overdrawn balance owed or other defaults on the Account, may be reflected in each
joint owner's credit report.
NEW CHOICE IN DOCUMENT DELIVERY FOR ONLINE BANKING CUSTOMERS
All Online Banking checking and savings customers will soon be able to choose between "Digital Delivery Only"
and "U.S. Mail Only" for eligible deposit servicing communications ("Documents").* Starting between October
23 and December 31, 2020, customers can make this selection from the Online Document Preferences screen on
the Customer Profile tab and may change this selection at any time. Please note that changes to delivery
preferences may take up to two business days to go into effect.
Selecting "Digital Delivery Only" for an account means we will post ("deliver") documents in PDF form on
PNC's secure Online Banking website. We will also send you an email notification that a new document is ready
to be viewed in Online Banking. Please ensure your Online Banking email address is up to date by signing on and
visiting the Customer Service tab. Documents that are delivered through Online Banking will no longer be
delivered by postal mail. For more information and answers to common questions, please consult PNC's Online
Banking Service Agreement or visit the Documents tab within the Customer Service section.
Selecting "U.S. Mail Only" for an account means we will mail the document, in paper form, to the last postal
address you have specified for your Account.
* Current list of eligible Documents - (This list may expand to include additional documents)
Overdraft Protection Transfer Notice, Dormant/Inactive Account Activity Notice, Mail Deposit Confirmation Notice,
Overdraft Protection Hold Notice, Continuous Overdraft Notice, Insufficient Funds Notice, Transfer Violation (Reg
D) Notice, Transfer Violation (Reg D) Account Conversion Notice, Overdraft Coverage Confirmation Notice, ATM
Deposit Correction Notice, and ATM Deposit Reversal Notice.
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Account Ending 1175
For 24-hour information,sign on to JAMES J DEMANIOW
PNC Bank Online Banking on 1312 O MALLEY DR
pnc.com BILLINGS MT 59102
Interest Summary Total of $11.29 in interest was paid this year.
Annual Percentage Number of days in Average collected Interest Paid
Yield Earned (APYE) interest period balance for APYE this period
0.01% 30 172.16 00.02
Activity Detail
Deposits and Other Additions
Date Amount Description
Mar 21 500.00 Direct Deposit
Apr 05 350.00 Interest Payment
Online and Electronic Banking Deductions
Date Amount Description Transaction Number
Mar 21 48.00 Toms Store Billings MT 5768725
Mar 21 30.67 Quickchek Inc. Billings MT 8389588
Mar 22 332.27 Motiva Enterprises Llc Billings MT 7428022
84.34 Jacksons Food Stores Inc. Billings MT 9933009
Mar 23
3129082
Mar 23 46.69 Mfa Oil Co. Billings MT
5986682
Mar 24 53.17 Clark’s Pump-n-shop Inc. Billings MT 7364250
Mar 25 26.29 Usa Gasoline Billings MT 4600376
Mar 26 75.93 Home Depot Billings MT 6747710
Mar 27 43.06 Wine And Liquor Supers Billings MT 5781941
142.01 Dandy Mini Marts Inc. Billings MT 6706169
Mar 27
3354763
Mar 27 94.93 Lucky Brand Billings MT
4261814
Mar 28 36.95 Hy-vee Food Stores Inc. Billings MT 4897632
Mar 29 138.76 Horchow Billings MT 6711282
Mar 30 90.67 Kohl’s Billings MT 9026841
Apr 01 53.37 Empire Petroleum Partners Llc Billings MT 3570861
32.81 My Green Mattress Billings MT 7477771
Apr 02
4159484
Apr 03 84.72 Sneakersnstuff Billings MT
5291765
Apr 04 31.17 Purple Billings MT 6036268
Apr 04 38.53 Nike Billings MT 8045831
Apr 05 75.87 Bp North America Billings MT 3938018
Apr 05 47.86 Sampson Bladen Oil Co. Inc. Billings MT 3323133
73.27 Maverik Inc. Billings MT 4196806
Apr 06
9806147
Apr 07 24.78 Valero Energy Corp. Billings MT
4502884
Apr 09 46.19 Lp/alliance Energy Corp. Billings MT 8769533
Apr 11 82.46 Martin & Bayley Inc. Billings MT 9632855
Apr 12 134.44 Exxon Billings MT 5205395
Apr 13 244.09 Walmart Billings MT 4389533
21.83 Dunne Manning Billings MT 7349256
Apr 14
6784818
Apr 15 46.44 Urban Outfitters Billings MT
3445473
Apr 17 452.02 Medical Urgicare Billings MT 4919660
Apr 18 58.10 Eg Group Billings MT 3979662
Apr 19 343.19 Andeavor Corp. Billings MT 7530707
TOTAL $3,134.88
Member FDIC Equal Housing Lender
Account Ending 1175
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JAMES J DEMANIOW
1312 O MALLEY DR
BILLINGS MT 59102
Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted
to your account and continues to accrue daily on the unpaid principal balance.
• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your
account for each day in the billing cycle. To get the "daily balance"
we take the beginning balance of your account each day, add any new advances or fees, and subtract any
payments, credits, or unpaid interest charges.
• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by
the number of days in the billing cycle and the daily periodic rate. The "Balance Subject to Interest Rate" disclosed
in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance"
add up all the "daily balances" for
the billing cycle and divide the total by the number of days in the billing cycle.
• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of
interest charges by multiplying each of the "Balances Subject to Interest Rate" by the number of days the
applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the
results together.
What to Do if You Think You Find a Mistake on Your Statement
Errors Related to a Checking Line of Credit Advance
If you think there is an error on your statement, write to us at:
PNC Mortgage P.O. Box 54828 Los Angeles, CA 90054-0828
You may also contact us on the Web: PNC.COM
In your letter, give us the following information:
Errors Within Your Checking Account, Money Market Savings Account, or Savings Account
In case of errors or questions about your electronic transfers telephone us at 1-800-558-8472, write us at the
address provided above, or through PNC Online Banking as soon as you can, if you think your statement or
receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear
from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
Payments
• Tell ymentsus your name and account number (if any).
• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an
error or why you need more information.
• Tell us the dollar amount of the suspected error.
We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do
this, we will provisionally credit your account for the amount you think is in error, so that you will have the use of the
money during the time it takes us to complete our investigation.
Your check must be payable to PNC Bank and include your Checking Line of Credit account number. Include the
voucher found at the bottom of your statement and mail the enclosed envelope to: PNC Bank, PNC Mortgage P.O.
Box 54828 Los Angeles, CA 90054-0828 . Payments received by 5:00 pm Eastern Time at the mail address above
will be credited the same day. Mailed payments for your Checking Line of Credit account may not be commingled
with funds designated for credit to other PNC Bank accounts.
Account Ending 1175
JAMES J DEMANIOW р. 5/5
1312 O MALLEY DR
BILLINGS MT 59102
• 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 (or electronically). You may call us, but if you do, we are not
required to investigate any potential error, 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.
If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for
the amount in question so that you will have access to the funds during the time of our investigation.
