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M&T Business Credit Card

Account Number Ending: 8606
JASSON WALKER JR
CFOCUS SOFTWARE INC

Account Summary Customer Service 1-866-279-0888

Summary of Account Activity Payment Information

Previous Balance -$10,791.37 New Balance $3,467.33
Payments - $0.00 Total Minimum Payment Due $87.00
Credits - $216.11 Payment Due Date 11/16/2022
Purchases + $14,474.81
Debits + $0.00 Late Payment Warning: If we do not receive your minimum payment by the date
Fees Charged + $0.00 listed above, you may have to pay a late fee of up to $35.00 and your APRs may be
Interest Charged + $0.00 increased up to the Penalty APR of 24.99%.
New Balance $3,467.33
Minimum Payment Warning: If you make only the minimum payment each period,
Total Credit Line $40,000.00 you will pay more in interest and it will take you longer to pay off your balance.
Available Credit $36,532.67 For example:
Cash Limit $12,000.00
Available Cash $12,000.00 If you make no You will pay off
additional charges And you will
the balance
using this card end up paying
Days In Billing Cycle 30 shown on this
and each month an estimated
Closing Date 10/19/2022 statement in
you pay... total of...
about...
Only the minimum
payment 15 years $5,927

$4,212
$117 3 years (Savings =
$1,715)

If you would like information about credit counseling services, please call
1-800-363-1141.

Effective this cycle, the Index Rate on your account is 5.50%.

Simplify your life. Save time, checks and postage with automatic deduction. Visit your local branch and complete the authorization
form for a more convenient and secure way to make your Business Credit Card payment automatically every month.

Please detach and return portion below with your payment. Keep portion above for your records.

Account Number Ending: 8606

Payment Due Date 11/16/2022
New Balance $3,467.33
Total Minimum Payment Due $87.00

91011811118606 00008700 00346733 11162022

Amount Enclosed $
Make Check Payable To: M&T Bank

Mail Payment To:

CREDIT CARD PAYMENT PROCESSING JASSON WALKER JR

PO BOX 62014 CFOCUS SOFTWARE INC
BALTIMORE MD 21264-2014 10536 JOYCETON DR
LARGO MD 20774
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Account Number Ending: 8606

IMPORTANT INFORMATION ABOUT YOUR ACCOUNT

For purposes of this statement, (1) “you” and “your” mean the owner and/or authorized officer You must contact us within 60 days after the error appeared on your statement.
of the Company issued one or more M&T Business Credit Cards pursuant to an application You must notify us of any potential errors in writing. You may call us, but if you do, we are
for same made to us by you and the Company; (2) “Company” means the business for which not required to investigate any potential errors and you may have to pay the amount in
the Account is established (3) “your credit card” means each M&T Business Credit Card tied question.
to your account that we have issued to someone who has been authorized by you to use While we investigate whether or not there has been an error, the following are true:
your account and the credit card; (4) “your account” means your M&T Business Credit Card • We cannot try to collect the amount in question, or report you as delinquent on
account with us to which your credit card is linked. that amount.
Payment Requirements. We do not accept cash payments through the mail. Mailed • The charge in question may remain on your statement, and we may continue to
payments must be made by payment check or money order accompanied by the payment charge you interest on that amount. But, if we determine that we made a
stub (on page 1 of this statement) and received by us at Credit Card Payment Processing, mistake, you will not have to pay the amount in question or any interest or other
P.O. Box 62014, Baltimore, MD 21264-2014. Payments made in person must be made at an fees related to that amount.
M&T Bank branch by payment check, cash, or money order. Checks must be made payable • While you do not have to pay the amount in question, you are responsible for
to M&T Bank. Except to the extent required by applicable law, if we accept any payment that the remainder of your balance.
does not conform to these requirements, the payment need not be posted or considered to • We can apply any unpaid amount against your credit limit.
have been made until the 5th day after the date we receive it. Your Rights If You Are Dissatisfied With Your Credit Card Purchases
Grace Period For Payment Of Purchases. If this statement shows that you paid the New If you are dissatisfied with the goods or services that were purchased with your credit card,
Balance on your prior month’s statement by the Payment Date on that statement, or the New and you have tried in good faith to correct the problem with the merchant, you may have the
Balance on that statement was zero, and you make a payment that we receive by the right not to pay the remaining amount due on the purchase.
Payment Due Date shown on this statement, we won’t charge interest on any part of the To use this right, all of the following must be true:
purchases added to your account on this statement to which we allocate your payment. 1. The purchase must have been made in the state of your principal place of
Calculation Of Payment. The Total Minimum Payment Due is the greater of (1) $15, or (2) business or within 100 miles of your current business mailing address, and the
2.5% of principal and interest balance and the greater of (a) any amounts over limit (including purchase price must have been more than $50. (Note: Neither of these are
over limit fees), or (b) any past due amounts and late fees. necessary if your purchase was based on an advertisement we mailed to you, or
Allocation Of Payments. Except as required by law, we apply payments of the Minimum if we own the company that sold you the goods or services.)
Payment amount (or less) and any credits in the manner we determine, generally to balances 2. You must have used your credit card for the purchase. Purchases made with
(including transactions made after this statement) with lower APRs before balances with cash advances from an ATM or with a check that accesses your credit card
higher APRs and in this order: past due fees, current fees, finance charges, previous account do not qualify.
principal balance and current principal balance. This means that balances with lower APRs 3. You must not yet have fully paid for the purchase.
(such as balances with promotional APRs) will be paid before other balances. Except as If all of the criteria above are met and you are still dissatisfied with the purchase, contact us
required by law, we credit payments over the required Minimum Payment to balances with in writing at: M&T Bank, PO Box 8405, Wilmington, DE 19899-8405
the highest APR first, and then to lower APR balances in descending order. While we investigate, the same rules apply to the disputed amount as discussed above.
Balance Subject To Interest Rate. We figure interest on your Account using the Average After we finish our investigation, we will tell you our decision. At that point, if we think you
Daily Balance (including new transactions) method. We calculate interest separately for owe an amount, you will be responsible for such amount.
each category of Transactions (purchases, cash advances, checks, balance transfers, Electronic Check Conversion. When you send us your check, you are authorizing the use
overdraft protection, promotional cash advances, and promotional balance transfers). For of the information on your check to make a one-time electronic debit from the account on
each category of Transaction, we calculate a Balance Subject to Interest Rate for the billing which the check is drawn. This electronic debit, which may be posted to your account as
cycle by adding up the daily balances and dividing that amount by the number of days in the early as the date your check is received, will be only for the amount of your check. In such
billing cycle. Interest for each balance is calculated by multiplying the Daily Periodic Rate for cases, the original check may be destroyed and we will retain the image in our records.
each balance times the Balance Subject to Interest Rate for each category and by the Bankruptcy. M&T Bank is attempting to collect a debt and any information obtained will be
number of days in the billing cycle. used for that purpose. To the extent your original obligation was discharged, or is subject to
We begin with the balance for each category on the first day of the billing cycle and add any an automatic stay of bankruptcy under Title 11 of the United States Code, this statement is
unpaid periodic interest charge. To get the daily balance for each category, we take the for compliance and/or informational purposes only and does not constitute an attempt to
beginning balance each day, add any periodic interest from the prior day, add any new collect a debt or to impose personal liability for such obligation.
transactions and other debits (such as fees), subtract any credits or payments as of that day Alternate Format. Consumers can request this communication in an alternate format such
and make other adjustments. A credit balance is considered zero. Then, for each category, as large print or braille. Please contact us at 1-800-724-2440 to request communications in
we calculate a Balance Subject to Interest Rate for the billing cycle by adding up the daily an alternate format.
balances and dividing that amount by the number of days in the billing cycle. Important Information for Servicemembers: Pursuant to the Servicemembers Civil Relief
What To Do If You Think You Find A Mistake On Your Statement. If you think there is Act, you & your dependents may be eligible for certain benefits and/or protections. For
an error on your statement, write to us on a separate sheet of paper at: further information, please contact our SCRA Servicing Team by phone 8:30am-5pm (EST)
M&T Bank, PO Box 8405, Wilmington, DE 19899-8405 Monday-Friday at: 1 855 350 SCRA (7272) or 1 302 934 4872, by email at
In your letter, give us the following information: [email protected], or by mail at PO Box 900, Millsboro, DE 19966.
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of the problem: If you think there is an error on your statement,
describe what you believe is wrong and why you believe it is a mistake.

Address Change Request:

To change your address, please visit your local M&T Bank branch. Our representatives would be happy to assist you.
Thank you!
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Account Number Ending: 8606

Transactions
Post Tran Reference
Description $ Amount
Date Date Number
JASSON WALKER JR Ending in: 8606
09/20 09/19 262400812000506 MSFT * E0400K1TD1 BILL.MS.NET WA 1,035.87
09/20 09/19 262400812000654 MSFT * E0400K1SWI BILL.MS.NET WA 116.63
09/20 09/19 262400810001084 MSFT * E0400K1OY2 BILL.MS.NET WA 100.00
09/20 09/19 262400816000296 MSFT * E0400K1YFI BILL.MS.NET WA 99.24
09/21 09/20 263700509511450 ADOBE ACROPRO SUBS 800-443-8158 CA 1,080.56
09/21 09/20 263700512270164 ADOBE ACROPRO SUBS 4085366000 CA -216.11
09/21 09/20 263109889745081 INDEED 203-564-2400 CT 532.16
09/22 09/21 264100621612811 Amazon web services aws.amazon.coWA 2,500.00
09/27 09/26 269104216999299 INDEED 203-564-2400 CT 531.21
10/04 10/03 276400810003001 MSFT * E0700KHGQZ BILL.MS.NET WA 1.28
10/04 10/03 276400814186588 MSFT * E0300KI4FZ MSBILL.INFO WA 5.30
10/04 10/03 276400814210073 MSFT * E0300KHZQE MSBILL.INFO WA 74.20
10/04 10/04 277000039527547 MSFT * E0300KI7TG 800-6427676 WA 22.26
10/05 10/04 277400813078504 MSFT * E0300KIC0F MSBILL.INFO WA 10.00
10/11 10/09 282000025055270 HIVE PROFESSIONAL HTTPSHIVE.COMNY 144.00
10/17 10/14 287000049759027 ALLOT, INC. HTTPSNEXTSTAGCA 7,000.00
10/17 10/16 290000001699323 GOVTRIBE.COM SUBSCRIP HTTPSGOVTRIBEVA 250.00
10/19 10/18 291107697954636 Audible*HT08J9RN1 Amzn.com/billNJ 15.85
10/19 10/18 291400786030799 MICROSOFT#G014941198 MSBILL.INFO WA 23.04
Subtotal: 13,325.49

KRISHAN KUMAR Ending in: 6184

09/23 09/22 266101429873637 SQ *EARLS TYSONS CORNER Tysons VA 753.02
Subtotal: 753.02

KRISTINA FOX Ending in: 1127

09/26 09/24 267005803578727 LinkedIn 8287821304 855-6535653 CA 180.19
Subtotal: 180.19

2022 Year-to-Date Totals

Total Fees charged in 2022 $0.00
Total Interest charged in 2022 $0.00

Interest Charge Calculation

Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Percentage Promo Rate Balance Subject Interest
Type of Balance
Rate (APR) End Date to Interest Rate Charge
Purchases 12.49% (v) - $0.00 $0.00
Cash Advances 24.49% (v) - $0.00 $0.00
Overdraft Protection 24.49% (v) - $0.00 $0.00
Convenience Checks 24.49% (v) - $0.00 $0.00
Balance Transfers 12.49% (v) - $0.00 $0.00
(v) = Variable Rate
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Account Number Ending: 8606
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M&T Business Credit Card

Summary for Card Ending: 6184

KRISHAN KUMAR
CFOCUS SOFTWARE INC

Cardholder Summary Customer Service 1-866-279-0888

Activity This Cycle

Card Number 4691 01XX XXXX 6184
Spend Limit $40,000.00
Cash Spend Limit $12,000.00
Spent This Period $753.02
Cash Spent This Period $0.00

*Cardholder Total Spend Availability may be affected by availability and status of the overall account.
Transactions

Post Tran Reference

Description $ Amount
Date Date Number
KRISHAN KUMAR Ending in: 6184
09/23 09/22 266101429873637 SQ *EARLS TYSONS CORNER Tysons VA 753.02
Subotal: 753.02

THIS IS NOT A BILL

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Account Number Ending: 6184
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M&T Business Credit Card

Summary for Card Ending: 1127

KRISTINA FOX
CFOCUS SOFTWARE INC

Cardholder Summary Customer Service 1-866-279-0888

Activity This Cycle

Card Number 4691 01XX XXXX 1127
Spend Limit $5,000.00
Cash Spend Limit $5,000.00
Spent This Period $180.19
Cash Spent This Period $0.00

*Cardholder Total Spend Availability may be affected by availability and status of the overall account.
Transactions

Post Tran Reference

Description $ Amount
Date Date Number
KRISTINA FOX Ending in: 1127
09/26 09/24 267005803578727 LinkedIn 8287821304 855-6535653 CA 180.19
Subotal: 180.19

THIS IS NOT A BILL

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Account Number Ending: 1127