August 21, 2024 through September 20, 2024

JPMorgan Chase Bank, N.A.

P O Box 182051 Account Number: 000000715999956

Columbus, OH 43218 - 2051

CUSTOMER SERVICE INFORMATION

Web site: Chase.com

Service Center: 1-800-935-9935

00294347 DRE 021 219 26524 NNNNNNNNNNN 1 000000000 14 0000 Para Espanol: 1-877-312-4273

DANIEL GOMEZ CASTANEDA International Calls: 1-713-262-1679

13825 SW 90TH AVE APT J-208 We accept operator relay calls

MIAMI FL 33176-8909

02943470301000000023
*start*after address message area1

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.
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*start*summary

Chase College Checking

CHECKING SUMMARY
AMOUNT

Beginning Balance $410.25

Deposits and Additions 7,540.32

ATM & Debit Card Withdrawals -776.72

Electronic Withdrawals -6,365.41

Fees -1.52

Ending Balance $806.92

*end*summary

*start*transaction detail

TRANSACTION DETAIL

DATE DESCRIPTION AMOUNT BALANCE

Beginning Balance $410.25

08/21 Zelle Payment From Jose Gomez Castaneda Bacis0Ciamaj 30.00 440.25

08/21 08/21 Payment To Chase Card Ending IN 4450 -276.47 163.78

08/21 American Express ACH Pmt M7362 Web ID: 2005032111 -40.00 123.78

08/22 Card Purchase 08/21 Rappi Pro 1100100 Bogot Card 4965 -5.84 117.94

CO Peso

23490.00 X 0.000248616 (Exchg Rte)

08/22 Foreign Exch Rt ADJ Fee 08/21 Rappi Pro 1100100 Bogot Card 4965 -0.17 117.77

08/26 ATM Cash Deposit 08/24 12795 S Dixie Hwy Pinecrest FL Card 4965 1,000.00 1,117.77

08/26 Zelle Payment To Doc Oscar Jpm99Ami3D3S -100.00 1,017.77

*end*transaction detail

Page 1 of 6
 August 21, 2024 through September 20, 2024
Account Number: 000000715999956

*start*transaction detail

(continued)
TRANSACTION DETAIL

DATE DESCRIPTION AMOUNT BALANCE

08/26 Card Purchase 08/25 Rappi*Rappi Colombia 1100100 Bogot Card -29.93 987.84

4965

CO Peso

121650.00 X 0.000246034 (Exchg Rte)

08/26 Zelle Payment To Gc Pro Jpm99Amjrwey -700.00 287.84

08/26 Card Purchase 08/26 Paypal *Parkmobile 877-727-5457 GA Card -10.45 277.39

4965

08/26 American Express ACH Pmt M5000 Web ID: 2005032111 -100.00 177.39

08/26 Foreign Exch Rt ADJ Fee 08/25 Rappi*Rappi Colombia 1100100 Bogot Card -0.89 176.50

4965

08/28 Comcast 8495600 627721402 PPD ID: 0000213249 -25.00 151.50

09/03 Zelle Payment From Yordani Mendez Rodriguez Bacxlikcykgo 670.00 821.50

09/03 Zelle Payment From Yessika Calderon Guillen 21924690304 430.00 1,251.50

09/03 Card Purchase 08/30 Paypal *Pypl Payin4 402-935-7733 CA Card -20.93 1,230.57

4965

09/03 Card Purchase 08/31 Rappi*Rappi Colombia 1100100 Bogot Card -3.75 1,226.82

4965

CO Peso

15480.00 X 0.000242248 (Exchg Rte)

09/03 09/02 Payment To Chase Card Ending IN 9473 -404.14 822.68

09/03 Applecard Gsbank Payment 62490551 Web ID: 9999999999 -147.32 675.36

09/03 American Express ACH Pmt M7244 Web ID: 2005032111 -541.00 134.36

09/03 Foreign Exch Rt ADJ Fee 08/31 Rappi*Rappi Colombia 1100100 Bogot Card -0.11 134.25

4965

09/05 Zelle Payment From Zoul Transit Inc Bacuyuv9L2Wx 600.00 734.25

09/05 Zelle Payment From Yorvis Mijares Delgado Bacwh1P8Tvv6 600.00 1,334.25

09/05 Card Purchase 09/03 Rappi*Rappi Colombia 1100100 Bogot Card -11.90 1,322.35

4965

CO Peso

49522.00 X 0.000240297 (Exchg Rte)

09/05 09/05 Payment To Chase Card Ending IN 4450 -420.00 902.35

09/05 American Express ACH Pmt M4212 Web ID: 2005032111 -500.00 402.35

09/05 American Express ACH Pmt M4678 Web ID: 2005032111 -269.94 132.41

09/05 Foreign Exch Rt ADJ Fee 09/03 Rappi*Rappi Colombia 1100100 Bogot Card -0.35 132.06

4965

09/06 Card Purchase 09/05 Afterpay 044-4123456 CA Card 4965 -26.12 105.94

09/09 Zelle Payment From Gonzalo Andres Urrea Tdp0Ipn05G01 100.00 205.94

09/09 ATM Withdrawal 09/07 1456 W 49th St Hialeah FL Card 4965 -200.00 5.94

09/11 Payment Received 09/11 Apple Cash Inst Xfer Cupertino CA Card 4965 689.50 695.44

09/11 Payment Received 09/11 Apple Cash Inst Xfer Cupertino CA Card 4965 4.75 700.19

09/11 Zelle Payment To Daniel Chain Jpm99Ani6H7C -690.00 10.19

09/16 Zelle Payment From Lobsang Fajardo Bacg7CU7Mh1D 501.00 511.19

09/16 Zelle Payment From Faisal Mohammed 22075739743 500.00 1,011.19

09/16 Zelle Payment From Claudia Amaya Torres Bacdyijtf41B 303.29 1,314.48

09/16 Zelle Payment From Fernando Morales Chamorro 22075429602 301.00 1,615.48

09/16 Zelle Payment From Daniel Hidalgo Bravo 22056481637 300.00 1,915.48

09/16 Zelle Payment From Maureen Hayes Bacgt0P9Rdo9 300.00 2,215.48

09/16 Zelle Payment From Sara Celis Baczn9K11E5E 100.00 2,315.48

09/16 Zelle Payment From Luna Del Mar Chauvez Murillo 22079836606 100.00 2,415.48

09/16 Recurring Card Purchase 09/14 Att*Bill Payment 800-288-2020 TX Card -28.26 2,387.22

4965

09/16 Card Purchase 09/15 Paypal *Pypl Payin4 402-935-7733 CA Card -21.00 2,366.22

4965

09/16 Card Purchase 09/16 Klarna Columbus OH Card 4965 -89.03 2,277.19
*end*transaction detail

Page 2 of 6
 August 21, 2024 through September 20, 2024
Account Number: 000000715999956

*start*transaction detail

(continued)
TRANSACTION DETAIL

DATE DESCRIPTION AMOUNT BALANCE

09/16 Zelle Payment To Miqueas Marroquin 22065434307 -120.00 2,157.19

09/16 Card Purchase 09/15 Rappi Bogota Card 4965 -20.00 2,137.19

09/16 Applecard Gsbank Payment 62490551 Web ID: 9999999999 -378.87 1,758.32

09/16 09/16 Payment To Chase Card Ending IN 9473 -469.14 1,289.18

09/16 09/16 Payment To Chase Card Ending IN 4450 -100.00 1,189.18

12943470302000000063
09/16 American Express ACH Pmt M5892 Web ID: 2005032111 -700.00 489.18

09/17 Card Purchase 09/16 Rappi Bogota Card 4965 -16.31 472.87

09/17 Applecard Gsbank Payment 62490551 Web ID: 9999999999 -132.75 340.12

09/18 Card Purchase 09/17 Paypal *Pypl Payin4 402-935-7733 CA Card -106.73 233.39

4965

09/19 Zelle Payment From David Ebratt Castaneda Baco2Lhpvxfo 190.00 423.39

09/19 Citizens Acctverify PPD ID: 1770527921 0.43 423.82

09/19 Citizens Acctverify PPD ID: 1770527921 0.35 424.17

09/19 Card Purchase 09/19 Infinity Kat 800-782-1020 AL Card 4965 -160.35 263.82

09/19 Citizens Acctverify 11104128439 Web ID: 3770527921 -0.78 263.04

09/19 Card Purchase 09/19 Afterpay 044-4123456 CA Card 4965 -26.12 236.92

09/20 ATM Cash Deposit 09/20 12795 S Dixie Hwy Pinecrest FL Card 4965 820.00 1,056.92

09/20 American Express ACH Pmt M2056 Web ID: 2005032111 -150.00 906.92

09/20 American Express ACH Pmt M2366 Web ID: 2005032111 -100.00 806.92

Ending Balance $806.92

*end*transaction detail

*start*dre portrait disclosure message area

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

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 August 21, 2024 through September 20, 2024
Account Number: 000000715999956

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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

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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 August 21, 2024 through September 20, 2024
Account Number: 000000715999956

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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

12943470303000000063
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.

*end*message area 5 end of statement

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 August 21, 2024 through September 20, 2024
Account Number: 000000715999956

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