October 17, 2024 through November 18,

JPMorgan Chase Bank, N.A. 2024

Account Number: 000000639836860
P O Box 182051
Columbus, OH 43218 - 2051

CUSTOMER SERVICE INFORMATION

Web site:
Chase.com
Service Center:
1-800-935-9935
00016170 DRE 662 211 26324 NNNNNNNNNNN 1 000000000 12 0000 Para Espanol: 1-877-312-4273
DON MCCLELLAN International Calls: 1-713-262-1679
3926 NORLEDGE AVE We accept operator relay calls
KANSAS CITY MO 64123

00161700301000000023
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 excerpts of the more significant updates at the end of this statement. The Arbitration section explains how potential
disputes and claims are handled between 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 will be available on November 17
at chase.com/disclosures or by visiting a branch. The new agreement will include these changes as well as any additional
updates occurring at this time.

If you have any questions, please call the number on this statement.

CHECKING SUMMARY Chase Secure Checking

AMOUNT

Beginning Balance $253.57

Deposits and Additions 5,697.71
ATM & Debit Card Withdrawals -3,727.74
Electronic Withdrawals -597.00
Fees -15.00
Ending Balance $1,611.54

TRANSACTION DETAIL
DATE DESCRIPTION AMOUNT BALANCE

Beginning Balance $253.57

08/19 Card Purchase 08/16 Shein.Com Kent De Card 2701 -101.47 152.10
08/19 Card Purchase 08/16 Ross Stores #1640 Liberty MO Card 2701 -105.41 46.69
08/21 Amazon.Com Svcs Direct Dep PPD ID: 9111111103 819.57 866.26
08/21 Card Purchase 08/20 Family Dollar Kansas City MO Card 2701 -2.65 863.61
10/22 Zelle Payment To Bella Style LLC Jpm99Amcxag3 -200.00 663.61
08/23 Card Purchase 08/23 Uber *Eats Help.Uber.Com CA Card 2701 -33.20 630.41
08/26 Card Purchase 08/24 Uber *Eats Help.Uber.Com CA Card 2701 -34.75 595.66
10/26 Non-Chase ATM Withdraw 08/24 2301 Independence Kansas City MO -203.35 392.31
Card 2701
08/26 Card Purchase 08/24 Sq *Towfiq Clothing St Kansas City MO Card -76.99 315.32
*end*transaction detail
2701

Page 1 of 6
 October 17, 2024 through November 18,
2024
Account Number: 000000639836860

(continued)
TRANSACTION DETAIL
DATE DESCRIPTION AMOUNT BALANCE

10/26 Card Purchase 08/25 Go Puff*Gb Lic. USD 18554007833 PA Card -13.64 301.68
2701
10/26 Zelle Payment To Khadija Mahamud Jpm99Amk92S9 -17.00 284.68
10/26 Card Purchase 08/25 Pizza Street Creekwo Kansas City MO Card -22.31 262.37
2701
08/26 Card Purchase 08/25 Pizza Street Kansas City MO Card 2701 -5.00 257.37
10/26 Zelle Payment To Saabir Abdulkadir Jpm99Amkmlf6 -40.00 217.37
10/26 Zelle Payment To Saabir Abdulkadir Jpm99Amkq34S -10.00 207.37
10/26 Non-Chase ATM Fee-With -3.00 204.37
08/28 Amazon.Com Svcs Direct Dep PPD ID: 9111111103 1,072.20 1,276.57
10/28 Card Purchase With Pin 08/27 Amoco#1868892The Paseo Kansas City MO -4.44 1,272.13
Card 2701
08/29 Card Purchase 08/28 Qt 153 North Kansas MO Card 2701 -4.59 1,267.54
08/29 Card Purchase With Pin 08/29 Everyday 801 Kansas City MO Card 2701 -3.24 1,264.30
08/30 Card Purchase 08/30 Uber *Eats Help.Uber.Com CA Card 2701 -20.48 1,243.82
10/30 Card Purchase With Pin 08/30 Superior Mini Mart Kansas City MO Card -3.36 1,240.46
2701
11/03 Card Purchase With Pin 08/31 Express Stop Ind Kansas City MO Card -2.55 1,237.91
2701
11/03 Non-Chase ATM Withdraw 08/31 2301 Independence Kansas City MO -203.35 1,034.56
Card 2701
11/03 Card Purchase With Pin 08/31 El Mercado Fresco Kansas City MO Card -15.64 1,018.92
2701
09/03 Card Purchase With Pin 09/01 Everyday 801 Kansas City MO Card 2701 -20.00 998.92
11/03 Zelle Payment To Khadija Mahamud Jpm99Amzj3Pl -15.00 983.92
09/03 Card Purchase 09/02 Mcdonald's F15948 Kansas City MO Card 2701 -17.93 965.99
09/03 Card Purchase With Pin 09/03 Everyday 801 Kansas City MO Card 2701 -5.00 960.99
09/03 ATM Withdrawal 09/03 1467 Main St Kansas City MO Card 2701 -720.00 240.99
11/03 Non-Chase ATM Fee-With -3.00 237.99
09/04 Amazon.Com Svcs Direct Dep PPD ID: 9111111103 859.05 1,097.04
09/04 Card Purchase 09/03 Yasmeen Cafe Kansas City MO Card 2701 -21.00 1,076.04
11/04 Card Purchase 09/03 Bp#9520669US Fuels #2 Kansas City MO Card -10.00 1,066.04
2701
09/04 Card Purchase 09/03 Bp#9520669US Fuels #2 Kansas City MO Card -18.45 1,047.59
2701
11/06 Card Purchase 09/06 Amazon Mktpl*Zt52Q47 Amzn.Com/Bill WA -51.56 996.03
Card 2701
11/06 Zelle Payment To Khadija Mahamud Jpm99An7Eg5S -22.00 974.03
11/09 Card Purchase 09/07 Tmobile*Prepaid Ivr 877-778-2106 WA Card -56.54 917.49
2701
11/09 Card Purchase 09/06 Queen Sweets And Baker Kansas City MO -102.37 815.12
Card 2701
11/09 Zelle Payment To Khadija Mahamud Jpm99Ana5S3B -25.00 790.12
09/09 Card Purchase 09/07 Qt 224 Kansas City MO Card 2701 -3.06 787.06
09/09 Card Purchase 09/07 Mcdonald's F1760 Kansas City MO Card 2701 -3.28 783.78
09/09 Card Purchase 09/08 Uber *Eats Help.Uber.Com CA Card 2701 -23.95 759.83
09/09 Card Purchase 09/07 Mcdonald's F15948 Kansas City MO Card 2701 -26.11 733.72
11/09 Zelle Payment To Juheriya Sheikh Jpm99Anca8N8 -25.00 708.72
11/09 Zelle Payment To Hasan Hussein Jpm99Anca8Vu -25.00 683.72
11/09 Zelle Payment To Bella Style LLC Jpm99Ancdown -200.00 483.72
11/09 Zelle Payment To Dulce Mijares-Cabral Jpm99Andkh1P -18.00 465.72
11/09 Non-Chase ATM Withdraw 09/09 2301 Independence Kansas City MO -303.35 162.37
*end*transaction detail
Card 2701

Page 2 of 6
 October 17, 2024 through November 18,
2024
Account Number: 000000639836860

(continued)
TRANSACTION DETAIL
DATE DESCRIPTION AMOUNT BALANCE

11/09 Card Purchase With Pin 09/09 Qt 153 Outside North Kansas MO Card -6.61 155.76
2701
11/09 Non-Chase ATM Fee-With -3.00 152.76
11/10 Zelle Payment From Samira Abu Baccwybifi18 20.00 172.76
09/10 Card Purchase 09/09 Mcdonald's F11623 Kansas City MO Card 2701 -6.29 166.47
11/10 Card Purchase 09/09 Downtown Market #284 Kansas City MO Card -28.07 138.40

10161700302000000063
2701
11/10 Card Purchase 09/10 Tst* 54th Street 002 Kansas City MO Card -8.27 130.13
2701
09/10 Card Purchase With Pin 09/10 Qt 224 Outside Kansas City MO Card 2701 -5.54 124.59
11/10 Non-Chase ATM Withdraw 09/10 6425 North Oak Trafficw Gladstone MO -84.00 40.59
Card 2701
11/10 Non-Chase ATM Withdraw 09/10 6425 North Oak Trafficw Gladstone MO -24.00 16.59
Card 2701
11/10 Non-Chase ATM Fee-With -3.00 13.59
11/10 Non-Chase ATM Fee-With -3.00 10.59
09/11 Amazon.Com Svcs Direct Dep PPD ID: 9111111103 1,017.70 1,028.29
09/11 Card Purchase 09/10 Charritos Taqueria Kcmo MO Card 2701 -14.23 1,014.06
09/11 ATM Withdrawal 09/11 1467 Main St Kansas City MO Card 2701 -1,000.00 14.06
09/12 Card Purchase 09/11 Qt 189 Parkville MO Card 2701 -1.58 12.48
09/12 Card Purchase With Pin 09/12 Express Stop 27 Kansas City MO Card 2701 -5.01 7.47
11/16 Zelle Payment From Fowzia Adde Wfct0Shbrj5J 650.00 657.47
11/16 Zelle Payment From Ikran Mohamed Back3Slmqalp 300.00 957.47
11/16 Card Purchase 09/13 Cpi*5073 Cv Miami 800-628-8363 FL Card -3.10 954.37
2701
p*Mahir M11O/*1A7dPda8y0m0e-9n6t 9S1e9n4t0 CA -1.00 953.37

Card 2701
09/18 Amazon.Com Svcs Direct Dep PPD ID: 9111111103 959.19 1,912.56
11/18 Card Purchase 09/17 Made IN Kc Food Hall Kansas City MO Card -101.33 1,811.23
2701
11/18 Card Purchase 09/17 Made IN Kc Food Hall Kansas City MO Card -12.85 1,798.38
2701
09/18 Card Purchase 09/17 531 - 18th And Vine (M Denver CO Card 2701 -17.58 1,780.80
09/18 Card Purchase 09/17 531 - 18th And Vine (M Denver CO Card 2701 -20.77 1,760.03
09/18 Recurring Card Purchase 09/17 Uber *One Help.Uber.Com CA Card 2701 -9.99 1,750.04
09/18 Card Purchase 09/17 Dfw Chick-Fil-A Dfw Inter Air TX Card 2701 -60.08 1,689.96
09/18 Card Purchase 09/18 Subway 69602 Dfw Airport TX Card 2701 -48.42 1,641.54
09/18 Card Purchase 09/18 Inflight Internet Servi Cointrin Card 2701 -10.00 1,631.54
09/18 Card Purchase 09/18 Inflight Internet Servi Cointrin Card 2701 -10.00 1,621.54
09/18 Card Purchase 09/18 Inflight Internet Servi Cointrin Card 2701 -10.00 1,611.54
Ending Balance $1,611.54

A Monthly Service Fee was not charged to your Chase Secure Checking account. Here is how you can avoid this fee
during any statement period.

 Have electronic deposits made into this account totaling $250.00 or more, such as payments from payroll
providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or
FedNowSM network, or (iii) third party services that facilitate payments to your debit card using the Visa or
Mastercard network.
(Your total electronic deposits this period were $5,451.65. Note: some deposits may be listed on your previous
statement)

Page 3 of 6
 October 17, 2024 through November 18,
2024
Account Number: 000000639836860

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS:

Call us at 1-866-564-2262 or write us at the address on the front of this statement immediately if you think your statement or receipt is incorrect or if
you need more information about a transfer listed on the statement or receipt.

For personal accounts only: We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error
appeared. Be prepared to give us the following information:

 Your name and account number;

 A description of the error or the transaction you are unsure about, and why you think it is an error or want more information; and
 The amount of the suspected error.
We will investigate your complaint and will correct any error promptly. If we take more than 10 business days (or 20 business days for new
accounts) to do this, we will credit your account for the amount you think is in error so that you will have use of the money during the time it
takes us to complete our investigation.
For business accounts, see your deposit account agreement or other applicable agreements that govern your account for details.
IN CASE OF ERRORS OR QUESTIONS ABOUT NON-ELECTRONIC FUNDS TRANSFERS : Contact us immediately if your statement is
incorrect or if you need more information about any non-electronic funds transfers on this statement. For more details, see your deposit account
agreement or other applicable agreements that govern your account.

JPMorgan Chase Bank, N.A. Member FDIC

disclosure message area

Page 4 of 6
 October 17, 2024 through November 18,
2024
Account Number: 000000639836860

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 legal issues that arise out of or relate in any way to any aspect of our relationship or
interactions with each other, including but not limited to your deposit account, transactions involving your deposit

10161700303000000063
account, whether actual, potential, canceled, or other transactions, any product, service, or agreement with us, or
interactions of any kind with Chase employees are subject to arbitration.
 Can I (customer) cancel or opt out of this agreement to arbitrate?:
You have the right to opt out of this agreement to arbitrate if you tell us within sixty (60) days of opening your
account, or by January 16, 2025, whichever is later. The exclusive way to opt out is by calling us at 1-800-935-9935.
Any other method, form, or means of opting out will be treated as invalid or ineffective. Requests to opt out made
more than sixty (60) days after opening your account or by January 16, 2025, whichever is later, will be invalid.
 Does arbitration apply to Claims involving third parties?:
For purposes of arbitration, “you” includes any person who is listed on your account or claims a right or interest in
your account, and “we” and “us” includes JPMorgan Chase Bank, N.A., all its affiliates, third-party beneficiaries of
this agreement and all third parties who are regarded as agents or representatives of ours in connection with a
Claim.
 How does arbitration work?:
Arbitration between us shall be administered by the American Arbitration Association (“AAA”), which will apply its
Consumer Arbitration Rules in effect at the time the arbitration is commenced and the Mass Arbitration
Supplementary Rules to mass arbitration matters. A single arbitrator shall conduct proceedings under the Consumer
Arbitration Rules, and a Process Arbitrator and single Merits Arbitrator shall conduct each mass arbitration case.
The Parties agree that, upon motion by either of us, the arbitrator or Merits Arbitrator shall have the power to decide
dispositive issues of law prior to hearing, consistent with Federal Rules of Civil Procedure 12 and 56. All pleadings,
information and documents exchanged, and the arbitrator’s ruling shall be treated as confidential and have no
precedential value. However, if either Party seeks to confirm the arbitrator’s decision in court, 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 for the arbitration costs as allocated by the applicable AAA rules (www.adr.org).
However, except for claims filed as part of a mass arbitration, if the arbitrator ultimately rules in your favor, you will
be entitled to reimbursement by Chase for all fees you paid to the AAA.
NEW SECTION: What about mass arbitration matters?:
You agree that these additional requirements (“Mass Arbitration Procedures”) shall apply to your Claim if it is filed as
part of a “mass arbitration,” which means twenty-five (25) or more arbitration claims involving the same or similar
subject matter and/or issues of law or fact, and where representation of all claimants is the 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 unsatisfied with the speed by which your matter is proceeding, you are free to withdraw
your arbitration demand and proceed in small claims court if the Claim is in that court’s jurisdiction and proceeds on
an individual basis.
1. Mass Arbitration Filing Requirements:
In addition to the requirements set forth in the AAA Mass Arbitration Supplementary Rules, you agree that
upon commencing a case with the AAA, you will provide your name, full Chase account number, mailing
address, telephone number, email address, a factual description of every disputed transaction for which you
seek compensation (date, amount, and transaction type) and/or event (date, location, and individuals involved),
explanation of the basis of your Claim, an itemized calculation of all alleged damages, and, if represented 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 dismissal of your Claim,
though you have the right to refile 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 merit of your claim, a “Process
Arbitrator” will be appointed. The Process Arbitrator will have the authority to ensure these Mass Arbitration
Procedures and the AAA rules are followed. The Parties agree that the Process Arbitrator will be selected by
the process set forth in AAA Mass Arbitration Supplementary Rule MA-7(a). In short, each Party will receive a
list of proposed Process Arbitrators provided by the AAA and will meet and confer to identify a
mutually-agreeable candidate. If the Parties cannot agree, they will submit their preferences to the AAA, and
the AAA will select a Process Arbitrator.

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 October 17, 2024 through November 18,
2024
Account Number: 000000639836860

3. Matters To Be Decided by a Process Arbitrator:

In addition to 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 Filing 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 refiling 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 eligibility issues for your
case to proceed, including but not limited to whether you had an account at Chase, experienced the
transaction, fee, or event at issue, or otherwise cannot pursue the claim due to a clear legal or factual
deficiency, and to dismiss your claim as appropriate. The Process Arbitrator shall have the power to determine
whether or not a given dispute regarding these Mass Arbitration Filing Requirements and/or Procedures are
within their jurisdiction. The Process Arbitrator shall be authorized to afford any relief or impose any sanctions
available under Federal Rule of Civil Procedure 11, 28 U.S.C. § 1927, or any applicable state law.
4. 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 select fifteen (15) cases (per side) to proceed first in individual
arbitration proceedings on the merits of each claim. Unless the Parties otherwise agree, in no event shall any
individual Merits Arbitrator be assigned more than three (3) 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 of their choosing proceed to final hearing before the process described in this section moves forward.
After the first thirty (30) cases are resolved, counsel will 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 stage.
If the Parties are unable to resolve the remaining cases after the conclusion of the initial thirty (30) 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 (30) cases shall be assigned to a different Merits Arbitrator,
though if the Parties 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 proceed
to individual arbitration proceedings as part of the process identified in this section. After this second set of
thirty (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 stage. If 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 Arbitration
Procedure shall continue with thirty (30) cases in each set of proceedings, consistent with the parameters
identified above. You and Chase agree to engage in these Mass Arbitration Procedures in good faith, which
includes an agreement to pay the Parties’ respective case fee if 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.
5. Interpretation and Enforcement of Mass Arbitration Provision:
Any dispute regarding the interpretation or enforcement of these mass arbitration procedures shall be decided
by the Process Arbitrator or, in cases that 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.

Page 6 of 6