HOW TO READ YOUR TOTAL LINE OF CREDIT (“TLC”) STATEMENT
Use this guide as a reference to understand your monthly billing statement. Your TLC Statement will provide
the following information:
• All interest and fees incurred on the revolving portion of your line of credit during the statement period
• Amount due on the revolving portion of your line of credit
• A remittance ticket to submit with your check payment for the revolving portion of your line of credit
For Personal FirstLine
®
, Home Equity FirstLine
SM
, and Equity FirstLine
SM
Plus accounts only: Your TLC
Statement will also provide a summary of the transactions, fees, and interest incurred on each of your xed-rate
locks, if any, during the statement period.
• Please note that you should NOT submit payment on your xed-rate locks with your TLC remittance ticket. Fixed-rate lock
information is provided for your reference only.
• You will be billed for the monthly amount owed on each of your xed-rate locks, if any, through a Loan Statement that will be
enclosed with your TLC Statement. Each of your xed-rate locks will have its own Loan Statement and a separate remittance ticket.
Payment Information Box
This box provides your statement date, payment
due date, full account number, minimum payment
due, etc. on your revolving (variable rate) line of
credit only (referenced as Note 00001).
TLC Summary
Provides information on your TLC’s credit limit,
principal balance (“TLC Balance”), and available
credit. This provides summary information on both
your revolving line of credit and any xed rate locks
you have for this line of credit account.
Revolving Credit Note Information
Provides information on the fees incurred, current
amount due, past due amount, and minimum
payment due on your revolving (variable rate) line
of credit only (Note 00001).
Transactions
Transaction activities (advances, credits, etc.) on your
revolving (variable rate) line of credit only (Note 00001).
Fees
A summary of the fees incurred on your revolving
line of credit for the statement period (e.g. late fees,
returned payment fees).
Remittance Ticket
The remittance ticket with which you must submit
your manual (check) payments. If you have set up
automatic payments from a checking/savings account
to your revolving (variable rate) line of credit, your
statement will have a reminder printed on it. (Sample
text outlined in red.) Additional payments for your
revolving line of credit balance (Note 00001) may
be submitted using this remittance ticket.
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A reminder
is printed
here if you
have set up
auto-pay
for your
revolving
line (Note
00001)
1
Marks the
start of
Note 00001
information
Interest Charged
Interest charged on your revolving (variable rate)
line of credit for the statement period.
2021 Totals Year-to-Date (Note 00001)
Table summarizing fees and interest charged on your
revolving (variable rate) line of credit year-to-date.
Summary Table
Provides information on the previous statement
balances, new debits and credits, interest charged,
other charges, and current statement balance on
your revolving (variable rate) line of credit for the
statement period.
Current Cycle Interest Charge Information
Provides a detailed explanation of how your interest
charge on your revolving line is computed.
Note: Information for your rst xed-rate lock,
if any, will be provided starting from here.)
Transactions
Transaction activities (credits and debits) on your
line’s rst xed-rate lock (referenced as Note 00003).
Fees
A summary of the fees incurred on your rst xed-
rate lock (Note 00003) for the statement period
(e.g. late fees, returned payment fees).
Interest Charged
Interest charged on your rst xed-rate lock
(Note 00003) for the statement period.
2021 Totals Year-to-Date (Note 00003)
Table summarizing fees and interest charged on
your xed-rate lock year-to-date.
Summary Table
Provides information on the previous statement
balances, new debits and credits, interest charged,
other charges, and current statement balance on
your xed-rate lock for the statement period.
Current Cycle Interest Charge Information
Provides a detailed explanation of how your interest
charge on your xed-rate lock is computed.
Note: If you have more than one xed-rate lock
on your line of credit, the same information will
be provided for each note. (Notes 00004 – 00007
as shown in items 11-16.)
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Marks the
start of
Note 00003
information
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Rev. 12/21
Member FDIC
HOW TO READ YOUR LOAN STATEMENT
Use this guide as a reference to understand your monthly billing statement for each xed-rate lock. Your
Loan Statement will provide the following information:
• All interest and fees incurred on the specic xed-rate lock portion of your line of credit during the statement period
• Amount due on the xed-rate lock shown on the Loan Statement
• A remittance ticket to submit with your check payment for the specic xed-rate lock on the Loan Statement
Payment Information Box
This box provides your full account number,
statement date, current balance, payment due
date, amount due, etc. on your xed-rate lock
(referenced as Note 00003 in the sample image).
Please note that the amount due includes past
due amounts, if applicable, and that your individual
xed-rate lock Note number may be dierent
from that shown in the image.
Summary
In this section you can nd the interest rate for
your loan, the maturity date of your loan (the date
by when you need to pay-o your loan), and the
total amount you need to pay for the statement
period. If you are past due on your loan payment,
the past due amount will be included in the total
due for the statement period.
Year-To-Date Summary
Refer to this section to nd out how much interest
you paid on your xed-rate lock year-to-date.
Automatic Payment Reminder
If you have set up automatic payments from a
checking/savings account to your xed-rate lock,
your statement will have a reminder printed on it.
Remittance Ticket
The remittance ticket must be submitted along
with your check payment. The remittance ticket
will show the total amount due. If you are making
a partial payment, please complete the “Amount
Enclosed” eld by specifying the payment amount.
Unpaid Bill Information
If you missed payments on your loan account,
information about your missed payments can be
located here. The section will show missed payment
due dates along with the amount due for each missed
payment. The total in the “Unpaid Bill Information”
section under “Payment Amount” should equate to
the sum of the “Past Due Principal” and “Past Due
Interest” amounts under the “SUMMARY” section.
Loan History
Transaction history for your loan account will
be displayed in this section. Please refer to the
“Transaction Description” eld to understand if it
was a debit or credit transaction.
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Rev. 12/21
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The 11-digit account number (00001234567 in
the example) will match the 11-digit account
number on the corresponding TLC Statement.
A reminder is printed
here if you have set
up auto-pay for your
fixed-rate lock
Member FDIC