Business Advant age

P.O. Box 5655 The Alameda ,

Cust omer ser vice
Balt imor e, MD 21239 inf or ma t ion

1.888.BUSI NESS
(1.888.287.4637)
bankof amer ica.com
CORY PHI LI P MOSS
Bank of Amer ica, N.A
8533 WOODVI LLE RD, P.O. Box 5655 The Alameda,
MOUNT AI RY, MD 21771 Balt imor e, MD 21239

Plea se see t he I mpor t a nt Messa ges - Plea se Rea d sect ion of your st a t ement f or impor t ant det ails t hat could
impa ct you.

Your Business Funda ment a ls Checking

for Jan 1, 2023 to Jan 28, 2023 Account Num: 435029095483

CORY PHI LI P MOSS

Account summar y
Beginning balance on January 1 , 2023 $309,000.65 # of deposit s/cr edit s: 28
Deposit s and ot her cr edit s 724,983.78 # of wit hdr a wals/debit s: 43
Wit hdr awals and ot her debit s -424,139.29 # of it ems-pr evious cycle1: 2
Checks 178,000.00 # of da ys in cycle: 28
Ser vice f ees -3,080.00 Aver age ledger ba lance: $1,091.41
Ending ba la nce on Febr ua r y 28, 2021 $233,814.14 1
I ncludes checks paid, deposit ed it ems & ot her debit s

BUSI NESS ADVANTAGE

Thanks. We’r e her e t o list en t o you.

As your business need evolve, we’r e r ea dy t o pr ovide per sona l at t ent ion a nd access t o t he la t est digit a l
t ools. Rely on us f or guidance in per sonal f inance, invest ment s and busines – now and in t he f ut ur e.

Page 1of 1
 To lear n mor e visit ba nkof a mer ica .com/Sma llBusiness

SSM-10-20-0899B I 3293362

I MPORTANT I NFORMATI ON:

BANK DEPOSI T ACCOUNTS

How t o Cont act Us - You may call us at t he t elephone number list ed on t he f r ont of t his
st at ement .

Updat ing your cont act inf or mat ion - We encour age you t o keep your cont act inf or mat ion up-
t o-dat e. This includes addr ess, email and phone number . I f your inf or mat ion has changed, t he
easiest way t o updat e it is by visit ing t he Help & Suppor t t ab of Online Banking.

Deposit agr eement - When you opened your account , you r eceived a deposit agr eement and
f ee schedule and agr eed t hat your account would be gover ned by t he t er ms of t hese
document s, as we may amend t hem f r om t ime t o t ime. These document s ar e par t of t he
cont r act f or your deposit account and gover n all t r ansact ions r elat ing t o your account ,
including all deposit s and wit hdr awals. Copies of bot h t he deposit agr eement and f ee schedule
which cont ain t he cur r ent ver sion of t he t er ms and condit ions of your account r elat ionship
may be obt ained at our f inancial cent er s.

Elect r onic t r ansf er s: I n case of er r or s or quest ions about your elect r onic t r ansf er s - I f you
t hink your st at ement or r eceipt is wr ong or you need mor e inf or mat ion about an elect r onic
t r ansf er (e.g., ATM t r ansact ions, dir ect deposit s or wit hdr awals, point -of -sale t r ansact ions)
on t he st at ement or r eceipt , t elephone or wr it e us at t he addr ess and number list ed on t he
f r ont of t his st at ement as soon as you can. We must hear f r om you no lat er t han 60 days
af t er we sent you t he FI RST st at ement on which t he er r or or pr oblem appear ed.

- Tell us your name and account number .

- Descr ibe t he er r or or t r ansf er you ar e unsur e about , and explain as clear ly as you can why you
believe t her e is an er r or or why you need mor e inf or mat ion.
- Tell us t he dollar amount of t he suspect ed er r or .

For consumer account s used pr imar ily f or per sonal, f amily or household pur poses, we will
invest igat e your complaint and will cor r ect any er r or pr ompt ly. I f we t ake mor e t han 10
business days (10 calendar days if you ar e a Massachuset t s cust omer ) (20 business days if you
ar e a new cust omer , f or elect r onic t r ansf er s occur r ing dur ing t he f ir st 30 days af t er t he f ir st
deposit is made t o your account ) t o do t his, we will pr ovisionally cr edit your account f or t he
amount you t hink is in er r or , so t hat you will have use of t he money dur ing t he t ime it will t ake
t o complet e our invest igat ion.

For ot her account s, we invest igat e, and if we f ind we have made an er r or , we cr edit your
account at t he conclusion of our invest igat ion.

Repor t ing ot her pr oblems - You must examine your st at ement car ef ully and pr ompt ly. You
ar e in t he best posit ion t o discover er r or s and unaut hor ized t r ansact ions on your account . I f
you f ail t o not if y us in wr it ing of suspect ed pr oblems or an unaut hor ized t r ansact ion wit hin
t he t ime per iod specif ied in t he deposit agr eement (which per iods ar e no mor e t han 60 days
af t er we make t he st at ement available t o you and in some cases ar e 30 days or less), we ar e

Page 2 of 2
not liable t o you and you agr ee t o not make a claim against us, f or t he pr oblems or
unaut hor ized t r ansact ions.

Dir ect deposit s - I f you have ar r anged t o have dir ect deposit s made t o your account at least
once ever y 60 days f r om t he same per son or company, you may call us t o f ind out if t he
deposit was made as scheduled. You may also r eview your act ivit y online or visit a f inancial
cent er f or inf or mat ion.

© 2023 Bank of Amer ica Cor por at ion

Page 3 of 3
 Your checking a ccount

Scammer s ar e t aking advant age of t he cur r ent envir onment t o t r y t o obt ain your per sonal and f inancial inf or mat ion.
Wat ch out f or scams involving pr omises f or COVI D-19 vaccines, st imulus payment s, employment and mor e. Scammer s may
t r y t o cont act you in var ious ways including by phone, email, and social media. Lear n mor e at bankof amer ica.com/secur it y.

Deposit s and ot her cr edit s

Dat e Descr ipt ion Amount
01/01/23 Zelle Tr ansf er Conf # 580341df 4; WI LLI AMS, MYKEL 300.00
01/01/23 Zelle Tr ansf er Conf # 13f b912cc; WI LLI AMS, MYKEL 150.00
01/01/23 1 01/31#000284935 PMNT RCVD Cash App* Cash Out San Fr ancisco CA 127.06
01/01/23 Zelle Tr ansf er Conf # 59edc634e; WI LLI AMS, MYKEL 120.00
01/01/23 1 02/01#000315426 PMNT RCVD Ca sh App* Ca sh Out San Fr ancisco CA 98.50
01/01/23 Zelle Tr ansf er Conf # 2961317bc; WI LLI AMS, MYKEL 40.00
01/01/23 1 02/01#000389821PMNT RCVD Cash App* Cash Out San Fr ancisco CA 19.70
01/04/23 BKOFAMERI CA ATM 02/04 #000003175 DEPOSI T EASTLAND I NDEPENDENCE MO 500.00
01/05/23 BKOFAMERI CA ATM 02/05 #000003384 DEPOSI T EASTLAND I NDEPENDENCE MO 500.00
01/08/23 BKOFAMERI CA ATM 02/05 #000007054 DEPOSI T WATKI NS CROSSI NG KANSAS CI TY MO 2,000.00
01/08/23 Zelle Tr ansf er Conf # 0ccd96946; WI LLI AMS, MYKEL 100.00
01/09/23 BKOFAMERI CA ATM 02/09 #000002722 DEPOSI T EASTLAND I NDEPENDENCE MO 4,950.00
01/10/23 RETURN OF POSTED CHECK / I TEM (RECEI VED ON 02-09) 5,000.00
01/10/23 BKOFAMERI CA ATM 02/10 #000008144 DEPOSI T CLAI RBORNE OLATHE KS 2,640.00
01/12/23 Count er Cr edit 900.00
01/12/23 BKOFAMERI CA ATM 02/12 #000003561DEPOSI T RAYTOWN SOUTH RAYTOWN MO 405.00
01/18/23 BKOFAMERI CA ATM 02/18 #000004623 DEPOSI T EASTLAND I NDEPENDENCE MO 500.00
01/22/23 BKOFAMERI CA ATM 02/22 #000002502 DEPOSI T COLLEGE OVERLAND PARK KS 240.00
01/23/23 BKOFAMERI CA ATM 02/23 #000006235 DEPOSI T EASTLAND I NDEPENDENCE MO 3,110.00
01/25/23 Count er Cr edit 500.00
01/25/23 1 02/25 #000380007 PMNT RCVD Cash App* Cash Out Sa n Fr ancisco CA 162.52
cont inued on t he next page

BANK OF AMERI CA BUSI NESS ADVANTAGE

St ay on t op of your account s
St ar t r eceiving online aler t s t oday t o know when t r a nsact ion have post ed and when payment s ar e due.
Sign in or enr ol at ba nkof a mer ica .com/Sma llBusiness and click on Aler t s in t he Act ivit y Cent r e.

You may elect t o r eceive aler t s via t ext or email. Bank of Amer ica does not char ge f or t his ser vice, but y our mobile car ier ’s
message and dat a r at es may apply. Deliver y of aler t s may be af f ect ed or delay ed by your mobile car r ier ’s cover age.
SSM-10-20-0899B I 3293362

Page 4 of 4
Deposit s and ot her cr edit s - cont inued
Dat e Descr ipt ion Amount
01/26/23 Count er Cr edit 2,000.00
01/26/23 Zelle Tr ansf er Conf # T09WYHB9G; ASHLEY SANCHEZ 499.00
01/26/23 MERCH BNKCD NSD DES:DEPOSI T I D:526219256884 I NDN:KC UNLOCKI NG COMPANY CO 100.00
I D:BXXXXXXXXX CCD

01/26/23 1 02/26 #000321709 PMNT RCVD Cash App* Cash Out Sa n Fr ancisco CA 20.68
01/26/23 Zelle Tr ansf er Conf # T09WYGVRV; ASHLEY SANCHEZ 1.00
01/26/23 TD AMERI TRADE DES:ACH MI CRO I D:aZ9PTQCFVS I NDN:WI LLI AMS MYKEL CO 0.22
I D:4470533629 PPD

01/26/23 TD AMERI TRADE DES:ACH MI CRO I D:aZ9PTQCFVS I NDN:WI LLI AMS MYKEL CO 0.10
I D:4470533629 PPD

Tot a l deposit s a nd ot her cr edit s $24,983.78

Wit hdr awals and ot her debit s

Dat e Descr ipt ion Amount
01/08/23 ROBI NHOOD DES:Funds I D:XXXXXXXXX I NDN:Mykel Williams CO I D:1464364776 -2,000.00
WEB
01/08/23 ROBI NHOOD DES:Funds I D:XXXXXXXXX I NDN:Mykel Williams CO I D:1464364776 -500.00
WEB
01/08/23 APPLECARD GSBANK DES:PAYMENT I D:8838921I NDN:Mykel CO -50.00
Williams I D:9999999999 WEB
01/09/23 ROBI NHOOD DES:Funds I D:XXXXXXXXX I NDN:Mykel Williams CO I D:1464364776 -5,000.00
WEB
01/11/23 ROBI NHOOD DES:Funds I D:XXXXXXXXX I NDN:Mykel Williams CO I D:1464364776 -2,500.00
WEB
01/12/23 ROBI NHOOD DES:Funds I D:XXXXXXXXX I NDN:Mykel Williams CO I D:1464364776 -5,000.00
WEB
01/12/23 Dir ect Capit a l DES:EDI I D:DCC-1647719 I NDN:KC Unlocking CO -866.76
PYMNTS Compa ny
01/24/23 ROBI NHOOD DES:Funds I D:XXXXXXXXX I NDN:Mykel Williams CO I D:1464364776 -3,000.00
WEB
01/25/23 Dir ect Capit a l DES:EDI PYMNTS I D:DCC-1649470 I NDN:KC Unlocking Company CO I D:1020468001 -573.06
CCD
09/26/23 ROBI NHOOD DES:Funds I D:XXXXXXXXX I NDN:Mykel Williams CO I D:1464364776 -1,000.00
WEB
09/26/23 ROBI NHOOD DES:Funds I D:XXXXXXXXX I NDN:Mykel Williams CO I D:1464364776 -1,000.00
WEB
Car d account # XXXX XXXX XXXX 6916
01/01/23 PMNT SENT 0130 CASH APP* Y KEL* AD 4153753176 CA 55429501030855986880545 CKCD 4829 -120.00
XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916
01/01/23 CHECKCARD 0131AUTOCODE NY. 718-404-9691NY 55432861031200546957677 CKCD 8999 -35.00
XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916
01/01/23 CHECKCARD 0201AUTOCODE NY. 718-404-9691NY 55432861032200776862794 CKCD 8999 -48.00
XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916
01/02/23 CHECKCARD 0202 SUMMI T MEDI A SOLU 8166285492 MO 55546501033206750400174 CKCD -320.00
7311XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916
01/02/23 CHECKCARD 0201UHS HARDWARE I NC HOLLYWOOD FL 85101591032980010232363 CKCD 5072 -337.90
XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916
cont inued on t he next pa ge

Page 5 of 5
 Your checking a ccount

Wit hdr awals and ot her debit s - cont inued

Dat e Descr ipt ion Amount
01/03/23 CHECKCARD 0203 AUTOCODE NY. 718-404-9691NY 55432861034200344993392 CKCD 8999 -27.00
XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916
01/04/23 CHECKCARD 0204 FACEBK 6WLR23B2S2 Menlo Par k CA 15270211035000109967342 RECURRI NG -232.66
CKCD 7311XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916
01/04/23 CHECKCARD 0204 QT 208 OUTSI DE LEE'S SUMMI T MO CKCD 5542 XXXXXXXXXXXX6916 XXXX -30.91
XXXX XXXX 6916
01/05/23 CHECKCARD 0204 DI SCOUNT KEY CODE LAS VEGAS NV 85506471035980000588942 CKCD 7399 -45.00
XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916
01/08/23 CHECKCARD 0206 STRAI GHTTALK* SERV 877-430-2355 FL 55432861037200213303571 -38.25
RECURRI NG CKCD 4814 XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916
01/08/23 PMNT SENT 0205 CASH APP* 4153753176 CA 55429501036855973703563 CKCD 4829 -180.00
XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916
01/08/23 CHECKCARD 0207 THEPARKI NGSPOT-EC 3124531700 MO 55309591038083734443155 CKCD -45.73
7523 XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916
01/16/23 PMNT SENT 0212 CASH APP* Y KEL* AD 4153753176 CA 55429501043855979992708 CKCD 4829 -30.00
XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916
01/16/23 CHECKCARD 0213 SYNCB PAYMENT 8005419049 GA 55548071044898431523769 CKCD -111.00
6012 XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916
01/16/23 CHECKCARD 0213 TACOS EL GUERO LL KANSAS CI TY KS 75306371045036800082900 CKCD 5812 -8.08
XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916
01/16/23 CHECKCARD 0214 AUTOCODE NY. 718-404-9691NY 55432861045200236543021CKCD 8999 -35.00
XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916
01/16/23 CHECKCARD 0214 BLUE RI DGE BANK I NDEPENDENCE MO 85140541045900010341421CKCD 6012 -152.21
XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916
01/17/23 CHECKCARD 0216 DI SCOUNT KEY CODE LAS VEGAS NV 85506471047980000588989 CKCD 7399 -45.00
XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916
01/17/23 CHECKCARD 0217 AUTOCODE NY. 718-404-9691NY 55432861048200960918347 CKCD 8999 -35.00
XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916
01/19/23 CHECKCARD 0219 AUTOCODE NY. 718-404-9691NY 55432861050200463159576 CKCD 8999 -48.00
XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916
01/19/23 CHECKCARD 0219 AUTOCODE NY. 718-404-9691NY 55432861050200463159618 CKCD 8999 -48.00
XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916
01/22/23 CHECKCARD 0220 TI ME PAYMENT CORP 7819944800 MA 55488721051206754701420 CKCD -224.49
7394 XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916
01/22/23 CHECKCARD 0222 QT 224 OUTSI DE KANSAS CI TY MO CKCD 5542 XXXXXXXXXXXX6916 XXXX -31.35
XXXX XXXX 6916
01/22/23 PRI CE CHOPPER 02/22 #000540110 PURCHASE 937 NE WOODS CHAP LEE'S SUMMI T MO -6.88
01/23/23 CHECKCARD 0223 AUTOCODE NY. 718-404-9691NY 55432861054200468962889 CKCD 8999 -48.00
XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916
01/23/23 CHECKCARD 0222 UHS HARDWARE I NC HOLLYWOOD FL 85101591053980010232334 CKCD 5072 -185.34
XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916
01/23/23 CHECKCARD 0222 BHM CAR WASH LLC LEES SUMMI T MO 85456671053900012343484 CKCD 7542 -5.37
XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916
01/24/23 CHECKCARD 0223 UHS HARDWARE I NC HOLLYWOOD FL 85101591054980010232382 CKCD 5072 -117.81
XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916
01/24/23 CHECKCARD 0223 UHS HARDWARE I NC HOLLYWOOD FL 85101591054980010232382 CKCD 5072 -39.49
XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916

cont inued on t he next

pa ge

Page 6 of 6
Wit hdr awals and ot her debit s - cont inued
Dat e Descr ipt ion Amount
01/25/23 CHECKCARD 0225 AUTOCODE NY. 718-404-9691NY 55432861056200004165961CKCD 8999 -11,018.00
XXXXXXXXXXXX6916 XXXX XXXX XXXX 6916
Subt ot a l f or ca r d a ccount # XXXX XXXX XXXX 6916 - $242,649.47
Tot a l wit hdr a wa ls a nd ot her debit s - $244,139.29

Ser vice f ees

Your Over dr a f t a nd NSF: Ret ur ned I t em f ees f or t his st a t ement per iod a nd y ea r t o da t e a r e shown below.

Tot al f or t his per iod Tot al year -t o-dat e

Tot al Over dr af t f ees $37,005.00 $37,005.00

Tot al NSF: Ret ur ned I t em
$35,000.00 $35,000.00
f ees
We wa nt t o help y ou a void over dr a f t a nd r et ur ned it em f ees. Her e a r e a f ew wa y s t o ma na ge y our a ccount a nd st a y
on t op of y our ba la nce:
- Set up Over dr af t Pr ot ect ion in Online Banking t o avoid declined t r ansact ions and sa ve on over dr af t f ees
- Sign up f or Aler t s (f oot not e 1) t o get an email or t ext message when your bala nce becomes low
Plea se call us or visit us if you have any quest ions or t o discuss your opt ions.
(f oot not e 1) You may elect t o r eceive aler t s via t ext or email. Bank of Amer ica does not cha r ge f or t his ser vice but your
mobile ca r r ier 's message and dat a r at es may a pply. Deliver y of aler t s may be a f f ect ed or dela yed by your mobile
car r ier 's cover age.

The Mont hly Fee on your Business Fundament als Checking account was waived f or t he st at ement per iod ending 01/29/21. A
check mar k below indica t es t he r equir ement (s) you have met t o qualif y f or t he Mont hly Fee waiver on t he account .
$250+ in new net pur chases on a linked Business debit ca r d
$250+ in new net pur chases on a linked Business cr edit car d
$3,000+ minimum da ily bala nce in pr ima r y checking account
$5,000+ aver age mont hly balance in pr imar y checking account
$15,000+ combined aver age mont hly balance in linked business a ccount s
enr olled in Pr ef er r ed Rewar ds f or Business

For inf or mat ion on how t o open a new pr oduct , link an exist ing ser vice t o your account , or about Pr ef er r ed Rewar ds f or
Business please call 1.888.BUSI NESS or visit bankof amer ica.com/smallbusiness.

Dat e Tr ansact ion descr ipt ion Amount

01/08/23 OVERDRAFT I TEM FEE FOR ACTI VI TY OF 01-08 -75,035.00
01/09/23 NSF: RETURNED I TEM FEE FOR ACTI VI TY OF 01-09 -75,035.00

Tot a l ser vice f ees - $150,070.00

Not e your Ending Balance alr eady r ef lect s t he subt r act ion of Ser vice Fees.

Page 7 of 7
 Your checking a ccount

Daily ledger balances

Dat e Balance ($) Dat e Balance($) Dat e Balance ($)

01/01 78,691.91 01/10 75,504.46 01/19 430,000.41

01/02 30,004.01 01/11 55,004.46 01/22 40,007.69
01/03 7,000.56 01/12 42,042.70 01/23 33,278.98
01/04 24,043.44 01/16 10,006.41 01/24 121,000.68
01/05 69,098.44 01/17 26,006.41 01/25 193,000.14
01/08 50,700.54 01/18 52,006.41 01/26 814,000.14
01/09 135,000.54

Page 8 of 8
This page int ent ionally lef t blank

Page 9 of 9
I mpor t ant Messages - Please Read
We want t o make sur e you st ay up-t o-dat e on changes, r eminder s, and ot her impor t ant det ails
t hat
could impact you.

Reminder - y our January 2023 st a t ement included t he f ollowing list of cha nges t ha t ma y a pply t o y our Sma ll Business
checking a nd sa vings a ccount s a nd t he ef f ect ive da t e of t he cha nges. You will a lso see some cha nges t o t he opt ions y ou
ha ve t o a void t he Mont hly Fee on y our a ccount s.

Ef f ect ive Wha t t o Expect Af t er t he Cha nges Become

Account Cha nges
Da t e Ef f ect ive

Business Adva nt a ge Checking will 2023 You will see t he new name on your
become Business Adva nt a ge st at ement s, in Mobile banking and in
Rela t ionship Ba nking. Business Advant age 360, our small business
online banking.

Business Adva nt a ge Rela t ionship To avoid t he Mont hly Fee, meet any ONE of
Ba nking t he f ollowing r equir ement s dur ing each
st at ement cycle:
The Mont hly Fee of $29.95 will no longer · Maint ain a combined aver age mont hly
be waived based on: balance of $15,000 or mor e in your linked
· $15,000 aver age mont hly balance. Bank of Amer ica business deposit account s.
· Act ive payr oll ser vices usage wit h Pr eviously, t he combined aver age mont hly
I nt uit or ADP Payr oll Ser vices balance r equir ement was $35,000.
(Foot not e 1) beginning December 1, · Qualif y f or and enr oll in Pr ef er r ed Rewar ds
2022. f or Business (Foot not e 2) (f ir st f our
· Spend $2,500 in new net pur chases on checking account s per enr olled business).
a linked business cr edit car d. Please r eview t he Business Schedule of Fees
· Act ive Bank of Amer ica Mer chant f or t he st at e in which you opened your
Ser vices account linked t o a Bank of account f or addit ional det ails about t he ways
Amer ica set t lement account t o avoid t he Mont hly Fee at :
beginning Januar y 1, 2023 bankof amer ica.com/businessf eesat aglance.

Business Funda ment a ls Checking will You will see t he new name on your
become Business Adva nt a ge st at ement s, in Mobile banking and in
Funda ment a ls Ba nking. Business Advant age 360, our small business
online banking.

Business Adva nt a ge Funda ment a ls Depending on t he st at e in which your account

Ba nking was opened, t he $16 Mont hly Fee may be a
decr ease, incr ease or r emain unchanged.
Mont hly Fee will be $16 in all st at es. To avoid t he Mont hly Fee, meet any ONE of
(Pr eviously t he mont hly f ee var ied by t he f ollowing r equir ement s dur ing each
st at e). st at ement cycle:
The Mont hly Fee will no longer be · Maint ain a combined aver age mont hly
waived based on: balance of $5,000 or mor e in your linked
· $3,000 minimum daily balance. Bank of Amer ica deposit account s.
· $5,000 aver age mont hly balance. Pr eviously t he combined aver age mont hly
· Spend $250 or mor e in new net
balance r equir ement was $15,000.
· Spend $250 or mor e in new net pur chases on
pur chases on a linked business cr edit
car d. a linked business debit car d.
· Qualif y f or and enr oll in Pr ef er r ed Rewar ds
f or Business (f ir st f our checking account s
per enr olled business).

Page 10 of 10
 Please r eview t he Business Schedule of Fees
f or t he st at e in which you opened your
account f or addit ional det ails about t he ways
t o avoid t he Mont hly Fee at :
bankof amer ica.com/businessf eesat aglance.

Business I nvest ment Account I f you alr eady have a Business I nvest ment
Account linked and included in your Business
The Mont hly Fee of $5 will no longer be
Advant age Fundament als Banking
waived by being linked and included in
r elat ionship bef or e Febr uar y 19, 2023, it will
a Business Advant age Fundament als
r emain and will not r eceive a Mont hly Fee
Banking r elat ionship.
while included.
Not e: Business I nvest ment Account s can be
linked t o your Business Advant age
Fundament als Banking r elat ionship t o help
meet t he combined balance r equir ement t o
avoid t he Mont hly Fee.

Cont inued on next page

Page 11of 11
 Account
Excess Tr a nsa ct ions Fee a nd Deposit ed I t em Fee For mor e inf or ma t ion about a ny f ees t hat may a pply t o
st at ement cy cles
business a ccount s, r eview t he Business Schedule of Fees f or
on or a f t er
These f ees will no longer apply t o deposit s ma de using t he st at e in which you opened y our a ccount at
January 30, 2023
Remot e Deposit Online, Mobile Check Deposit , or at a bankof amer ica .com/businessf eesa t aglance.
Ba nk of Amer ica ATM.

Business Adva nt a ge Sa vings To avoid t he Mont hly Fee, meet a ny ONE of t he f ollowing
r equir ement s dur ing each st a t ement cycle:
The Mont hly Fee is decr easing f r om $15 t o $10. Account
· Ma int a in a minimum daily balance of $2,500 or mor e in your
st at ement cy cles
a ccount . Pr eviously, t he minimum daily ba lance wa s $5,000.
on or a f t er
· I nclude in your Business Adva nt a ge Relat ionship Banking
January 30, 2023
solut ion (one per checking solut ion).
· Qua lif y f or a nd enr oll in Pr ef er r ed Rewa r ds f or Business
(f ir st f our savings a ccount s, per enr olled business).

We a r e her e t o help
For mor e inf or mat ion about t hese changes and ot her f ees t ha t may apply t o your account s, visit your near by f ina ncial
cent er or r eview t he Business Schedule of Fees f or t he st at e in which you opened your account at
ba nkof a mer ica.com/businessf eesat aglance.

Plea se let us know if you have a ny quest ions about t hese changes or would like t o discuss how you may be able t o r educe or
wa ive some of t hese f ees by conver t ing your a ccount t o anot her account t ype. You ca n st op by a f inancial cent er , make an
appoint ment a t bankof amer ica.com/bizappoint ment , or give us a call a t t he number list ed on t his st at ement .

En los pr óximos meses, ver á cambios en a lgunos ca r gos por ser vicios que podr ían aplica r se a sus cuent as de cheques, de
a hor r os y de Cer t if icados de Depósit o (CD) par a Pequeñas Empr esa s. Ant es de que ent r en en vigencia , nos gust ar ía explicar le
qué ca r gos cambiar án y cuándo lo har án, y t ambién inf or ma r le los pasos que puede t omar par a evit ar algunos de ellos.

Par a obt ener más inf or mación, visit e un cent r o f inancier o de Ba nk of Amer ica.

Foot not es a r e spelled out so t he t ext can be t r ansla t ed by vision disa bilit y scr een r eader pr ogr ams.

(Foot not e 1) I nt uit and t he I nt uit logo ar e r egist er ed t r ademar ks of I nt uit I nc., used under license. ADP and t he ADP logo ar e
r egist er ed t r ademar ks of ADP, LLC, used under license. Bank of Amer ica does not deliver and is not r esponsible f or t he
pr oduct s, ser vices or per f or mance of I nt uit I nc. or ADP, LLC. I nt er net a ccess may be r equir ed. I nt er net ser vice pr ovider f ees
ma y apply. Ot her bank f ees may apply. See t he Business Schedule of Fees available at
bankof amer ica.com/businessf eesat agla nce f or det ails. Bank of Amer ica and/or it s af f iliat es or ser vice pr ovider s may
r eceive compensat ion f r om t hir d par t ies f or client s' use of t heir ser vices.

(Foot not e 2) The Pr ef er r ed Rewar ds f or Business pr ogr am is only ava ilable t o Sma ll Business, Mer r ill Small Business, and
Ba nk of Amer ica Pr ivat e Ba nk® Small Business client s. Ot her cat egor ies of client s, such a s t hose commonly r ef er r ed t o as
Business Banking, Global Commer cial Banking, Global Cor por at e I nvest ment Banking, or I nst it ut ional client s ar e not eligible
t o par t icipa t e in t he pr ogr am. Subj ect t o cer t a in except ions, eligible business checking a ccount s gener a lly ar e any Small
Business checking account and t he f ollowing Ana lyzed checking account s: Full Ana lysis Business Checking or Analyzed
Business I nt er est Checking. Client s in t he eligible business cat egor ies ma y enr oll in t he pr ogr am. To enr oll you must ha ve an
a ct ive, eligible Ba nk of Amer ica business checking account , and ma int a in a qualif ying balance of a t lea st $20,000 f or t he Gold
t ier , $50,000 f or t he Plat inum t ier , or $100,000 f or t he Plat inum Honor s t ier in your combined qualif ying Bank of Amer ica
business deposit account s (such a s checking, savings, cer t if icat e of deposit ) and/or your Mer r ill business invest ment account s
(such as Wor king Capit al Management Account s, Business I nvest or Account s, Delawar e Business Account s). The qua lif ying
balance is calcula t ed ba sed on eit her (i): your aver age daily balance f or a t hr ee calenda r mont h per iod, or (ii) your cur r ent
combined balance, pr ovided t hat you enr oll at t he t ime you open your f ir st eligible business checking a ccount and sa t isf y t he
balance r equir ement at t he end of at least one day wit hin t hir t y days of opening t ha t account . Ref er t o your Business
Schedule of Fees f or det ails on account s t hat qualif y t owar ds t he combined balance ca lculat ion a nd r eceive pr ogr am benef it s.
Eligibilit y t o enr oll is gener ally availa ble t hr ee or mor e business days a f t er t he end of t he ca lendar mont h in which you
sat isf y t he r equir ement s. Bank of Amer ica Pr ivat e Bank® Small Business client s ar e aut omat ically enr olled in t he pr ogr am
a t t he Plat inum Honor s t ier a s long as you ma int a in your Ba nk of Amer ica Pr ivat e Ba nk® r elat ionship. Once you ar e no
longer a client of t he Pr ivat e Bank, your enr ollment in Pr ef er r ed Rewar ds f or Business will end and t he benef it s f r om
enr ollment will no longer be pr ovided.
You can cont inue t o r eceive Pr ef er r ed Rewa r ds f or Business benef it s if you ar e eligible f or t he pr ogr am a nd you t ake act ion
t o enr oll. Benef it s become ef f ect ive wit hin 30 days of your enr ollment , or f or new account s wit hin 30 da ys of account opening,
unless we indicat e ot her wise.
Cer t ain benef it s may be a vailable wit hout enr olling in t he pr ogr am if you sat isf y balance and ot her r equir ement s.

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