CHASES agua 21, 2024 rough Spt 20,2024 “JPMorgan Chase Bank, NA. P Box 182051 ‘Account Number 000000653311905, Columbus, OH 43218 -2051 ‘CUSTOMER SERVICE INFORMATION Web site Chase.com Service Center 1-800-935-0035 (00045784 DRE 552211 26524 NNNNNANNNN 1 60000000 14.0900 Para Espanol 1-877-312-4273, EDWARD LERON SANFORD Intemational Calls: 4-719-262-1679 593 LARUE ST Wo accept operator relay calls BIRMINGHAM AL 35208-2924 We're updating our Deposit Account Agreement, including the Arbitration section (On November 17, 2024, we're updating section X. Arbitration; Resolving Disputes in the Deposit Account Agreement. We've included excarpts of the more significant updates at the end of this statement, The Arbitration soction explains how potential disputes and claims are handled betweon us. You can opt out of arbitration any time before January 16, 2025, by calling us at 1-800-935-9935. You can view the full updated section in the Deposit Account Agreement which willbe available on November 17 al chase.com/disclosures or by visiting a branch, The new agreement will include these changes as well as any addtional Updates occurring at this time, I you have any questions, please call the number on this statement. CHECKING SUMMARY |_“22e Tea! Checking ‘AMOUNT Beginning Balance $14.54 Deposits and Additions 6612.36 ‘ATM & Debit Card Withdrawals 963,94 Electronic Withdrawals “1,258.50 (Other Withdrawals 1,400.00 Ending Balance $3,008.46" [TRANSACTION DETAIL DATE DESCRIPTION AMOUNT BALANCE Beginning Balance $14.54 08/21 Zelle Payment From Senquinetia L Sanford 21788002955 1,300.00 151454 (08/21 __Zalle Payment From Sanquinatta L Sanford 21798989985 100.00 1,414.54 (08/21 _Zelle Payment From Jeneadene Greene 2Qw0lpeMagjih 10.00 1,424.54 (08/21 08/21 Withdrawal “1,400.00 24.54 (08/26 __Zelle Payment From Jeneadene Greone 20wOlpapios 30.00 54.54 8/27 Card Purchase 08/28 Capital One Card Pymt 800-6657070 VA Gard “50.00 454 (08/80__Zelle Payment From Sanquinetla L Sanford 21690682481 13.36 17.80 (09103 SSA Treas $10 _Xxsoe Seo PPD ID: 9031736055 4624.00 “a641.90 (09/03 Card Purchase 08/90 Girela K # 23812 Birmingham AL Card 3764 =12.49 4629.41 Page 18CHASES ‘August 21,2024 through September 20,2024 ‘Account Number; 00000065331 1905 TRANSACTION DETAIL|_ominvea) 08/03 Card Purchase 08/31 Spdpy"Amercan Credit 866-544-3490 SC Card 481.44 4,187.97 (0908 Card Purchase With Pin 09/01 Wal Wal Man Super 001 Birmingham AL 16.06 aa7t91 Card 8794 (08/03 Zelle Payment To Jermarous Devose 21919191389 500.00 3e7ts1 08/08 Card Purchase With Pin 09108 Murphy USA 7816 Bimingham AL Card 20.00 365191 08104 Sbit Debitpmt PPD 1D. F800146791 5178 3500.16 (09/05 Card Purchase With Pin 09/05 Wal Wal-Mart Super 001 Birmingham AL 42.20 3.457 96 Card 3794 (08/08 Recurring Card Purchase 08107 Spectrum 655-707-7628 MO Card 8794 “388,88 311897 (09/09 Garden Stato Ins Life Ins 5920883 Tel ID- 0000864522 25.00 3,003.97 (09/10 Card Purchase 09/09 Tst"Hot Spot - Centerpo Birmingham AL Gard “17.28 3,076.74 S794 08/10 __Zelle Payment To Sanquinatta Sanford 22073300296 2500 BST Ta (09/11 Card Purchase With Pin 09/11 WalMart #076 Birmingham AL Card S764 “4.66 3,047.08, (08/16 Deposit 6420039354 400.00 3,447.08 (09716 Sbii Premium PPD 1D. 0048117253 “151.75 3,295.33, (09/16 Zelle Payment To Sanquinella Sanford 22058490267 250.00 3,045.33, 08/18 Gard Purchase Win Pn 09/14 Wn Supercnter #762 Bimingham AL Card “1258 3,032.80, 96 D816 Card Purchase 09/14 Orcle K# 28812 Birmingham AL Card S704 oa a02a a6 (09/16 _Zelle Payment To Sanquinetta Sanford 22062086744 20.00 3,004.46 (09/18 Deposit __ 2174690962 135.00, 3,139.46 (09/18 Zelle Payment To Sanquinetta Sanford 22099762453, “133.00 3,006.46, Ending Balance 33,006.46 ‘A Monthly Service Fee was not charged to your Chase Total Checking account. Here are the three ways you can avoid ‘his fee during any statement period. + Have electronic deposits made into this account totaling $500.00 or more, such as payments from payroll providers or government benefit providers, by using (I) the ACH network, (I) the Real Time Payment or FedNow* network, or (ill) third party services that facilitate payments to your debit card using the Visa or Mastercard network. (Your total electronic deposits this period were $4,624.00. Note: some deposits may be listed on your previous statement) + QR, keep a balance at the beginning of each day of $1,500.00 or more in this account. (Your lowest beginning day balance was $4.48) + QR, keep an average beginning day balance of $5,000.00 or more in qualifying linked deposits and Investments. (Your average beginning day balance of qualiying linked deposits and investments was $118.18) Page 216CHASE & ‘August 21,2024 through September 20,2024 ‘Account Number: 00000065331 1905 IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS: Callus at 1-866-564-2262 or write us atthe address onthe font ofthis staement immediately you think your statement or raceip is incortect oi you need moe information about a vansfer sted onthe statement or rocoipt. For personal accounts only: We must hoa fom you no lator than 60 days ater wo sent you the FIRST statement on which the problem or error appeared. Be prepared io give us the folowing information: 1 Reamer soon aes ai, nd oi mer rr 2 SSiteiarpscovacor=o a Sa i ee es ee ae For business accounts coe your deposit account agreement or other appicable agreements that gover your account for deal IN CASE OF ERRORS OR QUESTIONS ABOUT NON-ELECTRONIC FUNDS TRANSFERS: Contact us immediatly # your statomentis IReorreet orf you neea more information about any nonslecrntetunds ansfers on ths statement, For mare Jota, see Your Gepost account ‘agreement or Sther apphable agreements that govern your account -sPMorgan Chase Bank, N.A. Member FDIC Page 346CHASES ‘August 21,2024 through September 20,2024 ‘Account Number: 000000653311905 The following are excerpts of the more significant updates to Section X. Arbitration; Resolving Disputes to be published November 17, 2024: + What claims or disputes subject to arbitration?: Claims or disputed factual or logal issues that arise out of or rolate in any way to any aspect of our relationship or interactions with each other, including but no limited to your deposit account, transactions involving your deposit account, whether actual, potential, canceled, or other transactions, any preducl, service, or agreement with Us, or interactions of any kind wth Chase employees are subject to arbitration. + Gan! (customer) cancel oF opt out of this agreement to arbitrate”: You have the right to opt out ofthis agrooment to arbitrate i you tellus within sixty (60) days of opening your account, or by January 16, 2025, whichavor is later. The exclusive way fo opt out is by caling us at 1-800-235-9968, ‘Any other method, form, or means of opting out wil bo treated as invalid or inotfective. Requests to opt out made more than sixty (60) days aller opening your account or by January 16, 2028, whichever is ater, wil be inva + Does arbitration apply to Claims involving third parties?: For purposes of arbitration, “you” includes any person who i listed on your account or claims a right or interest in ‘your account, and “we" and “us” inaludes JPMorgan Chase Bank, N.A., al is afliates, thict-pary beneficiaries of {his agroomont and all third patios who ara regarded as agants or ropresentatives of ours in connection with a Gaim + How does arbitration work?: ‘Axbitration between us shal be administered by the American Arbitration Association ("AAA’), which wil apply its Consumer Arbitration Flues in effect altho timo the ariration is commenced and the Mass Arbitration Supplomentary Rules to mass arbitration matters. A sing arbitrator shall conduct proceedings under the Consumer ‘biration Fules, and a Process Abitator and single Merits Arbitrator shall conduct each mass arbitration case Tho Parties agroe that, upon mation by ether of us, the arbitrator or Menis Arbitrator shal have the power to decide dispositive issues of law prior to hearing, consistent with Federal Rules of Civil Procedure 12 and 86. Al pleadings, information and documents exchanged, and the arbitrator’ ruling shall be treated as confidential and have no precedential value. However, i either Party seoks to conti the arbitrator's decision in coun, the Parties agree that the documents necessary for such confirmation need not be filed under seal Who will pay for costs?: Each Party will be responsible forthe arbitration costs as allocated by the applicable AAA rues (www adr or). However, except for claims fled as part of a mass arbitration, i the arbitralor ultimately rules in your favor, you wil be entitled to reimbursement by Chase forall fees you paid to the AAA NEW SECTION: What about mass arbitration matters? You agree that those additional requirements (‘Mass Arbitration Procedures") shall apply to your Claim iti ied as part ofa ‘mass arbitration” which moans twenty-five (25) or more arbitration claims ivoving the samo or similar subject matter and/or issues of law or fact, and where representation of all claimants isthe same or coordinated across the cases. You agree to these procedures even though they may delay the arbitration of your individual claim. If at any point you are unsatistied withthe speed by which your matter is proceeding, you are free to withdraw your arbitration demand and proceed in small cms cour i the Claim isin thal court's jurisdiction and proceeds on an individual basis, 41. Mase Arbitration Filing Requirements: In addition tothe requirements sot forth in the AAA Mass Arbitration Supplementary Rules, you agree that ‘upon commencing a case withthe AAA, you wil provide your name, full Chase acount number, maiing adress, telephone number, email address, factual description of every disputed transaction for which you seek compensation (date, amount, and transaction type) andior event (date, location, and individuals involve), explanation of the basis of your Claim, an itemized calculation of al llaged damages, and, freprasentod by counsel, a signed statement authorizing us to share information regarding your account and the Claim with them. You agree and understand that failure to provide this information may result in cismissal of your Claim, though you have the right Io relle once you provide the information described in the previous sentence. 2. Process Arbitrator Appointment: You and Chase agree that before an arbitrator is assigned to determine the mort of your claim, a “Process Arbitrator will be appointed. Tho Process Arbitrator wil have tho authority to ensure these Mass Arbitration Procodures and tho AAA rus are followed, The Parties agree that tho Process Arbitrator willbe selected by the process sol forth in ANA Mass Arbitaton Supplementary Rule MA-7(a). In short, cach Party wil recoive a list of proposed Process Arbitrators provided by the AAA and will meet and confer to dently a mutualy-agreeable candidat. If the Parties cannot agree, they wil submit ther preferences to the AAA, and the AAA wil soloct a Process Arbitrator. Pao 4016CHASES 3. ‘August 21,2024 through September 20,2024 ‘Account Number: 00000065331 1905 Matters To Be Decided by a Process Arbitrator: In addition o the authority outlined in AAA Mass Arbitration Supplementary Rules, the parties agree that the Process Arbitrator shall be empowered to resolve any dispute regarding whether your Claim should be dismissed because, for example, you failed to comply with the Mass Arbitration Fling Requirements, any other requirements outlined in this agreement, or any other reason. You agree that if the Process Arbitrator finds you failed to comply with any requirement, your claim will be dismissed, without prejudice to refling once the deficiencies are remedied. The Process Arbitrator will also have the power to decide whether, based on the information submitted in the Mass Arbitration Filing Requirements, other threshold eligbilly issues for your cease to proceed, including but not limited to whether you had an account at Chase, experienced the transaction, fee, oF event at issue, or otherwise cannot pursue the claim due to a clear legal or factual ficiency, and to dismiss your claim as appropriate. The Procass Abitrator shall havo the power to determine whether oF not a given dispute regarding those Mass Arbitration Fling Requirements andlor Proceduros aro within their jurisdiction. The Process Arbitrator shall be authorized lo afford any rele! or impose any sanctions avaliable under Federal Rule of Civil Procedure 11, 28 U.S.C. § 1927, or any applicable state law. Mass Arbitration Procedures: Following the resolution of any disputes within the jurisdiction of the Process Arbitrator, if any, counsel for the claimants and counsel for Chase shall each soloc fifteen (15) cases (par sido) to proceed firs in individual arbitration proceedings on the merits of each claim. Unless the Partios otherwise agree, in no event shall any individual Merits Arbitrator be assigned more than three (8) cases. No AAA per case fee shall be assessed in ‘connection with any case until they are selected to proceed to individual arbitration proceedings as part of the [process identified in this section. The Parties agree that each side shall have the right to have fifteen (15) ‘cases oftheir choosing proceed to final hearing before the process described in this section moves forward ‘Alter the first thirty (30) cases are rasolvad, counsel will meat and confer rogarcing ways to improve the ‘ficiency of the proceedings, including whether to mediate or change the numbar of cases filed in each stage. I the Parties are unable to resolve the remaining cases after the conclusion of the inital thy (80) proceedings {and conferring in good faith, each side shall select another fifteen (15) cases (per side) to proceed to individual arbitration proceedings. Each of these thirty (80) cases shall be assigned to a different Merits Arbitrator, though i the Partios otherwise agree, a single Merits Arbitrator may be assigned up to three (3) cases. No ‘AAA per case fee shall be assessed in connection with the remaining cases until they are selected to procoed to individual arbitration proceedings as part of the process idenlifod inthis section. Alter this second sot of tity (30) cases are resolved, counsel will again meet and confer regarding ways to improve the efficiency of the proceedings, including whether to mediate or change the number of cases filed in each slage. I the Parties do not reach a global resolution after the second set of cases are resolved, on either Party's motion, the Process Arbitrator can decide to expedite the proceedings by forgoing more rounds of case selection and instead assigning Merits Arbitrators to all of the remaining cases at once. If no motion is made, this Mass ‘Atbitration Procedure shall continue with thirty (80) cases in each set of proceedings, consistent with the parameters identified above. You and Chase agree to engage in these Mass Abitralion Procedures in good faith, which includes an agreement to pay the Parties’ respective case fee il your case is selected. Any dispute regarding any aspect of the specific Mass Arbitration Procedures outlined in this section shall be resolved by the Process Arbitrator. Interpretation and Enforcement of Mass Arbitration Provision: ‘Any dispute regarding the interprotation or enforcement of those mass arbitration procedures shall be decided by the Process Arbitrator or, in cases thal have been released to merits proceedings, the Merits Arbitrator. ‘Their decisions regarding the mass arbitrations process and procedures shall be considered interlocutory in nature and not subject to immediate judicial review. If any terms of these Mass Arbitration Procedures are found to be legally unenforceable for any reason, then the proceedings shall otherwise continue in arbitration in accordance with AAA's Mass Arbitration Supplementary rules. 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