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JOHN H OAKLEY JR
152 SPORT HILL RD
EASTON, CT 06612-2203
* C r e d i t Management Tip:
While making i n t e r e s t - o n l y payments, principal is n o t reduced. Making i n t e r e s t only p a y m e n t s d u r i n g t h e Home
Equity Line d r a w period means t h a t nothing is paid t o w a r d s t h e principal. A l w a y s c o n s i d e r paying more t h a n t h e
minimum p a y m e n t due in o r d e r t o r e p a y b o t h principal and i n t e r e s t .
DETACH HERE Retain this portion of your statement for your records. Please allow 7 to 10 days for postal delivery. NOTICE: See reverse side for important information. DM556
LOAN NUMBER PAYMENT DUE DATE CURRENT AMOUNT DUE TOTAL PAST DUE TOTAL PAYMENT DUE
F61240
61240-1011
USAA Federal Savings Bank
For additional information or service, log on to usaa.com or contact us at: USAA Federal Savings Bank
10750 McDermott Freeway
Attn: Home Equity Servicing
San Antonio, TX 78288-0544
Payment Receipt: To avoid additional finance and late charges, pay the Total Payment Due shown on your payment coupon
by the Payment Due Date shown on the front of this statement.
Payments: All payments must be by check, money order or automatic withdrawal from an account with a recognized U.S.
financial institution insured by the U.S. government in U.S. dollars and sent with your payment coupon. Do not mail cash. We
are not responsible for any lost or stolen cash payments. Payments must be received by 5 p.m. CDT at the address provided on
your payment coupon or by us in good funds if made by automatic withdrawal to receive credit on that day. Payments received
after that time, on a weekend, or holiday observed at the payment address facility will be credited on the next business day.
Crediting of other payments made in any other manner (without the payment coupon, at an address other than the designated
payment address, payee or account, not in U. S. dollars, or otherwise improper payments) may be delayed up to 5 days.
Payment in Full of Less than Amount Owed on Account: Any payment intended as full satisfaction of your account balance
for less than the account balance must be sent to USAA Federal Savings Bank, 10750 McDermott Freeway, San Antonio TX
78288-0578. If you send this type of payment or a payment with other conditions or limits to another address or method other
than that described in your home equity line of credit agreement, we can accept this payment and apply it to your account
without losing our rights to collect the rest of the amount you owe us.
How Finance Charges Are Calculated: Revolving Line - Finance charges begin to accrue immediately when you make an
advance to me. There is no grace period. To determine the finance charge for each Billing Cycle, a daily periodic rate is
multiplied by the Daily Balance each day. At the end of the Billing Cycle, all daily finance charges for the Billing Cycle are
added together to obtain the finance charge for the Billing Cycle. The Daily Balance is determined by taking the principal
balance of the revolving portion of the line of credit each day, adding any new advances, and subtracting any payments or
credits that apply to debt repayment. The daily periodic rate is the Annual Percentage Rate divided by the number of days in the
year. Fixed Payment Segments (Locks) - The finance charge for my fixed payment segment (lock) is determined by multiplying
the interest rate applicable to the fixed segment by the principal balance of my fixed payment segment outstanding each day. At
the end of the Billing Cycle, all daily finance charges for a fixed payment segment are added together to obtain the finance
charge for that fixed payment segment for the Billing Cycle. The daily outstanding principal balance for a fixed payment
segment is determined by taking the principal outstanding balance of that segment for that day and subtracting any payments
or credits that apply to repayment of the fixed payment segment principal balance.
How Payments Are Applied: Payments are applied first to any accrued unpaid fees other than late charges, then to accrued
unpaid finance charges on the revolving portion of my line of credit, then to the revolving principal balance (depending on the
revolving portion payment option found in your plan document), then to interest and principal due on any fixed rate segment
beginning with the oldest segment and continuing in reverse order of establishment through the most recently established fixed
segment, and then to accrued unpaid late charges.
Conversion of Checks to Electronic Form: Payment by check is your authorization to us to use information from your check
to make a one-time electronic funds transfer from your bank account. Funds in the amount of your check may be withdrawn
from your account as early as the day we receive your payment. The check will be destroyed and you will not receive the check
back from your bank.
Billing Rights Summary: In case of errors or questions about your bill
If you think your bill is wrong, or if you need more information about a transaction on your bill, write us as soon as possible at
the above address.
We must hear from you no later than 60 days from the time we sent you the first bill on which the error or problem appeared.
You can telephone us, but doing so will not preserve your rights according to the Fair Credit Billing Act. In your letter, please
include:
Your name, account number and the dollar amount of the suspected error.
Describe the error and explain why you believe there is an error. If you need more information, describe the item in question.
You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of the bill
that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect
the amount you question.
If your checks are lost or stolen, call immediately during business hours: 1-800-531-USAA (8722)
Overseas: USAA International
Directory is at ext. 8-7177 DM556
New York Accounts: For help or information with filing a complaint, call the toll-free Consumer Help Line at 1-877-BANK-NYS
(1-877-226-5697). If you need further information, you may call the toll-free helpline or visit the Department's website at
http://www.dfs.ny.gov
Detach here and return this portion with your remittance. Please retain upper portion for your records.
Email address:
B61240
61240-1011
PAGE 2 OF 2 002-L
JOHN H OAKLEY JR
152 SPORT HILL RD
EASTON, CT 06612-2203
WALL STREET JOURNAL
PRIME RATE I S 3.25%
TRANSACTIONS
EFF DATE AMOUNT DESCRIPTION PRINCIPAL BALANCE
12/08/14 $260.40 FINANCE CHARGE $121,850.00
S61240
61240-0811