010/R1/04F000

Citibank Client Services 000

PO Box 6201 000
Sioux Falls, SD 57117-6201 CITIBANK, N. A.
Account
55811046
JOHNNY D. BANKS Statement Period
1505 ARCHER ROAD APT 3F Jun 18 - Jul 15, 2018
BRONX NY 10462-5851

Page 1 of 6

CITIBANK ACCOUNT AS OF JULY 15, 2018

Relationship Summary:
Checking $8,429.49
Savings -----
Investments -----
(not FDIC Insured)
Loans $0.00
Credit Cards $0.00

Checking Balance
Regular Checking $8,429.49
Loans Credit Line Amount Available Amount You Owe
Checking Plus Line of Credit (as of 7/15/18) $300.00 $300.00 $0.00
Amount Amount
Credit Cards As of date Credit Line Available You Owe
Citibank MasterCard 6/15/18 $2,000.00 $2,000.00 $0.00
XXXXXXXXXXXX3893

Total Outstanding Loan and Credit Card Balances $0.00

CITIBANK ACCOUNT PACKAGE FEES

.
.

When determining your fees for this statement period, Citibank considered your combined average monthly
balances during the prior month in all of your qualifying accounts that you asked us to combine. If you have
a Citibank secured credit card, then Citibank will also include the balance in your Collateral Holding
Account or your Certificate of Deposit that secures your Citibank credit card. These balances may be in
accounts that are reported on other statements.

*The Monthly Service Fee and non-Citibank ATM fees are waived with $10,000 or more in combined
average monthly balances from deposits, retirement accounts, and investments.
Fees* Your Combined Balance Range
$1,500-$5,999
Monthly Service Fee $25.00

Transaction Fees Standard Your Transaction Activity and

Fees this Statement Period
Fee for non-Citibank $2.50 1 @ $2.50 = $2.50
ATM transaction

All fees assessed in this statement period, including non-Citibank ATM fees, will appear as charges on
your next Citibank monthly statement (to the account that is currently debited for your monthly service fee).
Please refer to your Client Manual-Consumer Accounts and Marketplace Addendum booklet for details on
how we determine your monthly fees and charges.
.
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JOHNNY D. BANKS Account 55811046 Page 2 of 6
Statement Period - Jun 18 - Jul 15, 2018

CHECKING ACTIVITY

Regular Checking
55811046 Beginning Balance: $5,356.13
Ending Balance: $8,429.49
Date Description Amount Subtracted Amount Added Balance
06/18 Monthly Service Fee 25.00
06/18 Debit PIN Purchase ANTILLANA MEAT MAR BRONX NYUS05054 12.92
06/18 Debit PIN Purchase 52.68 5,265.53
WINE AND LIQUOR SUPERS BRONX NYUS05159
06/19 Debit PIN Purchase USPS PO 35091201 1449 WBRONX NYUS05194 14.45 5,251.08
06/20 Debit PIN Purchase RITE AID STORE - 3498 BROOKLYN NYUS05159 18.39 5,232.69
06/25 Debit PIN Purchase PEPBOYS STORE # 258 26 BRONX NYUS05155 23.16
06/25 Debit PIN Purchase KMART 9420 BRONX NYUS05153 63.87
06/25 Cash Withdrawal 06/24 06:18p #0904 201.75 4,943.91
Non Citi ATM 1478 WHITE PLAINS ROAD BRONX NYUS051
06/26 Debit Card Purchase 06/22 08:56a #0904 2.18
MCDONALD'S F2036 BROOKLYN NY 18174
Restaurant/Bar
06/26 Debit Card Purchase 06/22 09:18p #0904 44.20 4,897.53
KAI SUSHI ASIAN FUSION BRONX NY 18174
Restaurant/Bar
06/28 ACH Electronic Credit NEW YORK CITY TR DIR DEP 2,144.74 7,042.27
06/29 Debit PIN Purchase 15.00
ESSEN MEDICAL URGICARE BRONX NYUS05180
06/29 Debit Card Purchase 06/27 04:50p #0904 74.50 6,952.77
KAI SUSHI ASIAN FUSION BRONX NY 18179
Restaurant/Bar
07/02 Debit PIN Purchase Wal-Mart Super Center LOGANVILLE GAUS05154 187.16
07/02 ACH Electronic Debit ParkchesterSouth RETRY PYMT 016980000015974 12,500.00 5,734.39-
07/03 Returned Insufficient Funds - ACH Txn 12,500.00
07/03 Returned Check/NSF Fee 34.00
07/03 Debit Card Purchase 06/30 05:37p #0904 37.91 6,693.70
LOVES TRAVEL S00004044 BORDENTOWN NJ 18183
Autos (rental, service, gas)
07/05 Debit Card Purchase 07/02 05:02p #0904 25.00 6,668.70
CHEVRON 0212990 STONE MOUNTAI GA 18184
Autos (rental, service, gas)
07/10 Debit Card Purchase 07/08 08:33a #0904 10.99 6,657.71
NETFLIX.COM NETFLIX.COM CA 18190
Phones, Cable & Utilities
07/12 ACH Electronic Credit NEW YORK CITY TR DIR DEP 1,771.78 8,429.49
Total Subtracted/Added 13,343.16 16,416.52
All transaction times and dates reflected are based on Eastern Time.
Transactions made on weekends, bank holidays or after bank business hours are not reflected in your account until the next
business day.

Overdraft and Returned Item Fees

Statement Period Total Year to Date Total
Total Overdraft Fees $0.00 $0.00
Total Returned Item Fees $34.00 $34.00

Overdraft Protection
As of Source of Coverage Amount
07/15 Checking Plus Line of Credit $300

Safety Check transfers will not exceed $99,999.99 per calendar month from your savings account, or per monthly period from
your money market to cover overdrafts or use of uncollected funds in your checking account.
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JOHNNY D. BANKS Account 55811046 Page 3 of 6
Statement Period - Jun 18 - Jul 15, 2018

CHECKING ACTIVITY Continued

ThankYou® Points Summary

Points earned with checking account and eligible linked products and services 0
Go to thankyou.com to review your current point balance and redeem for rewards

Summary includes only points awarded for your Citibank checking account relationship for this activity this statement period
and does not reflect any bonus points received through promotional offers. In certain circumstances, there may be a delay
between display of Points on checking statement and corresponding credit of points to your ThankYou Member Account.
Points are not available for redemption until they appear in your ThankYou Member Account. Please refer to the ThankYou
Rewards Terms and Conditions for important details about earning points with your Citibank checking account and how to
redeem them.

CUSTOMER SERVICE INFORMATION

IF YOU HAVE QUESTIONS ON: YOU CAN CALL: YOU CAN WRITE:
Checking 888-248-4226 Citibank Client Services
Checking Plus Line of Credit (For Speech and Hearing 100 Citibank Drive
Impaired Customers Only San Antonio, TX 78245-9966
TDD: 800-945-0258)
FOR BILLING INQUIRIES: For Billing Inquiries calling Citibank
or e-mailing will not preserve PO Box 769004
your rights. San Antonio, TX 78245-9004

CREDIT BUREAU DISPUTES: Citibank

PO Box 6181
Sioux Falls, SD 57117-6181

Please read the paragraphs below for important information on your accounts with us. Note that some of these products may not be available in all states or in all
packages.

The products reported on this statement have been combined onto one monthly statement at your request. The ownership and title of individual products reported here may be
different from the addressee(s) on the first page.

CHECKING AND SAVINGS

FDIC Insurance:
Products reported in CHECKING and SAVINGS are insured by the Federal Deposit Insurance Corporation. Please consult your Citibank Customer Manual for full details and
limitations of FDIC coverage.

CERTIFICATES OF DEPOSIT
Certificates of Deposit (CD) information may show dashes in certain fields if on the date of your statement your new CD was not yet funded or your existing CD renewed but is
still in its grace period.

IN CASE OF ERRORS
In Case of Errors or Questions About Your Electronic Fund Transfers:
If you think your statement or record is wrong or if you need more information about a transfer on the statement or record, telephone us or write to us at the address shown in
the Customer Service Information section on your statement as soon as possible. We must hear from you no later than 60 days after we sent you the first statement on which
the error or problem appeared. You are entitled to remedies for error resolution for an electronic fund transfer in accordance with the Electronic Fund Transfer Act and federal
Regulation E or in accordance with laws of the state where your account is located as may be applicable. See your Client Manual for details.
Give us the following information: (1) your name and account number, (2) the dollar amount of the suspected error, (3) describe the error or the transfer you are unsure
about and explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint and will correct any error
promptly. If we take more than 10 business days to do this we will recredit 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.
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JOHNNY D. BANKS Account 55811046 Page 4 of 6
Statement Period - Jun 18 - Jul 15, 2018

The following special procedures apply to errors or questions about international wire transfers or international Citibank Global Transfers to a recipient located in
a foreign country on or after October 28, 2013: Telephone us or write to us at the address shown in the Customer Service Information section on your statement as soon as
possible. We must hear from you within 180 days of the date we indicated to you that the funds would be made available to the recipient of that transfer. At the time you contact
us, we may ask for the following information: 1) your name, address and account number; 2) the name of the person receiving the funds, and if you know it, his or her telephone
number and/or address; 3) the dollar amount of the transfer; 4) the reference code for the transfer; and 5) a description of the error or why you need additional information. We
may also ask you to select a choice of remedy (credit to your account in an amount necessary to resolve the error or alternatively, a resend of the transfer in an amount
necessary to resolve the error for those cases where bank error is found). We will determine whether an error has occurred within 90 days after you contact us. If we determine
that an error has occurred, we will promptly correct that error in accordance with the error resolution procedures under the Electronic Fund Transfer Act and federal Regulation
E or in accordance with the laws of the state where your account is located as may be applicable. See your Client Manual for details.

LOANS
Checking Plus Line of Credit - Fixed Rate and Variable Rate
Average Daily Balance: The Average Daily Balance is computed by taking the beginning balance on your account each day, adding any new advances and adjustments as of
the day they are made, and subtracting any payments as of the day received, credits as of the day issued, and any unpaid Interest Charges or other fees and charges. This
gives you a daily balance. Add up all the daily balances for the statement period and divide the total by the number of days in the statement period. This gives you the Average
Daily Balance. For Checking Plus (variable rate), the Daily Periodic rate and the corresponding Annual Percentage Rate may vary.

Interest Charge: The Interest Charge is computed by applying the Daily Periodic Rate to the "daily balance" of your account for each day in the statement period. To get the
"daily balance" we take the beginning balance each day, add any new advances and adjustments, and subtract any unpaid interest or other finance charges and any payments
or credits. This gives us the daily balance You may verify the amount of the Interest Charge by (1) multiplying each of the average daily balances by the number of days this
rate was in effect, and then (2) multiplying each of the results by the applicable Daily Periodic Rate, and (3) adding these products together. (All of these numbers can be found
in the table called "Interest Charge Calculation". Each average daily balance is disclosed as Balance Subject to Interest Rate. The daily periodic rate is the Annual Percentage
Rate divided by 365, except in leap years when it will be divided by 366.) For Checking Plus (variable rate), the Daily Periodic Rate and the corresponding Annual Percentage
Rate may vary.

Interest Charges are assessed on loans as of the day we pay your check or otherwise make funds available to you from you account. The total Interest Charges paid during
the year will be shown on your statement. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account
may be reflected in your credit report.

CREDIT CARDS
Information about your Citibank credit card account(s) on this statement is summary information as of your last credit card statement. You will continue to receive your regular
monthly credit card statement(s). Citibank credit cards are issued by Citibank, N.A. AAdvantage® is a registered service mark of American Airlines, Inc.

Other Information
Checks drawn against a business account are not acceptable as payment for a personal loan obligation.

Request for Credit Balance Refunds: If your statement shows a credit balance it means your loan payments have exceeded the total amount you owe. You may request a
full refund of the credit balance by writing to us at the address shown in the Customer Service Information section on your statement.

Line of Credit (other than Checking Plus), Loans and Mortgages: Information about these products on this statement is a summary as of your last individual product
statement(s). You will continue to receive your regular monthly statement(s).

Billing Rights Summary - What To Do If You Think You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at the address shown in the Customer Service information section on your statement (Attn: Checking Plus).
In your letter, give us the following information:
• 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 bill, describe what you believe is wrong and why you believe it is a mistake.

You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not
required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true:
• We cannot try to collect the amount in question, or report you as delinquent on that amount,
• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake,
you will not have to pay the amount in question or any interest or other fees related to that amount.
• While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
• We can apply any unpaid amount against your credit limit.

Citibank is an Equal Housing Lender.

© 2018 Citigroup Inc. Citibank, N.A. Member FDIC.

Citibank credit cards are issued by Citibank, N.A. AAdvantage® is a registered trademark of American Airlines, Inc.
Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.
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JOHNNY D. BANKS Account 55811046 Page 5 of 6
Statement Period - Jun 18 - Jul 15, 2018

TO RECONCILE YOUR CHECKBOOK WITH THIS STATEMENT, FOLLOW THESE SIMPLE RULES
Checks and Other Withdrawals Outstanding
1. List in your checkbook any deposits, withdrawals and service charges which are shown on (Made by you but not yet indicated as paid on your statement)
your statement, but not recorded in your checkbook. Adjust your checkbook accordingly.
Number or Date Amount
2. Mark off in your checkbook all checks paid, withdrawals, or deposits listed on your statement.

3. List and total in the "Checks and Other Withdrawals Outstanding" column at the right all
issued checks that have not been paid by Citibank together with any applicable check charges
and all withdrawals made from your account since your last statement.

4. Deduct from your checkbook balance any service or other charge (including pre-authorized
transfers or automatic deductions) that you have not already deducted.

5. Add to your checkbook balance any interest-earned deposit shown on this statement.

6. Record Closing Balance here (as shown on statement).

7. Add deposits or transfers you recorded which are not shown

on this statement.

8. Total (6 and 7 above).

Sum of check charges
9. Enter Total "Checks and Other Withdrawals Outstanding"(from right).
on or above if applicable
BALANCE (8 less 9 should equal your checkbook balance).
Total
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JOHNNY D. BANKS Account 55811046 Page 6 of 6
Statement Period - Jun 18 - Jul 15, 2018

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