ENVERBESKAT

832WOODL ANERD
BEVERL
Y,NJ08010-
1904

ENVERBESKAT
MUHAMMET BURAK BAYRAK ! Account # 4830 9685 7619 ! August 10, 2023 to September 7, 2023

IMPORTANT INFORMATION:
BANK DEPOSIT ACCOUNTS
How to Contact Us - You may call us at the telephone number listed on the front of this statement.

Updating your contact information - We encourage you to keep your contact information up-to-date. This includes address,
email and phone number. If your information has changed, the easiest way to update it is by visiting the Help & Support tab of
Online Banking.

Deposit agreement - When you opened your account, you received a deposit agreement and fee schedule and agreed that your
account would be governed by the terms of these documents, as we may amend them from time to time. These documents are
part of the contract for your deposit account and govern all transactions relating to your account, including all deposits and
withdrawals. Copies of both the deposit agreement and fee schedule which contain the current version of the terms and
conditions of your account relationship may be obtained at our financial centers.

Electronic transfers: In case of errors or questions about your electronic transfers - If you think your statement or receipt is
wrong or you need more information about an electronic transfer (e.g., ATM transactions, direct deposits or withdrawals,
point-of-sale transactions) on the statement or receipt, telephone or write us at the address and number listed on the front of
this statement as soon as you can. We must hear from you no later than 60 days after we sent you the FIRST statement on
which the error or problem appeared.

- Tell us your name and account number.

- Describe the error or 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.
- Tell us the dollar amount of the suspected error.

For consumer accounts used primarily for personal, family or household purposes, we will investigate your complaint and will
correct any error promptly. If we take more than 10 business days (10 calendar days if you are a Massachusetts customer) (20
business days if you are a new customer, for electronic transfers occurring during the first 30 days after the first deposit is
made to your account) to do this, we will provisionally credit your account for the amount you think is in error, so that you will
have use of the money during the time it will take to complete our investigation.

For other accounts, we investigate, and if we find we have made an error, we credit your account at the conclusion of our
investigation.

Reporting other problems - You must examine your statement carefully and promptly. You are in the best position to discover
errors and unauthorized transactions on your account. If you fail to notify us in writing of suspected problems or an
unauthorized transaction within the time period specified in the deposit agreement (which periods are no more than 60 days
after we make the statement available to you and in some cases are 30 days or less), we are not liable to you and you agree to
not make a claim against us, for the problems or unauthorized transactions.

Direct deposits - If you have arranged to have direct deposits made to your account at least once every 60 days from the same
person or company, you may call us to find out if the deposit was made as scheduled. You may also review your activity online
or visit a financial center for information.

© 2023 Bank of America Corporation

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MUHAMMET BURAK BAYRAK ! Account # 4830 9685 7619 ! August 10, 2023 to September 7, 2023

Deposits and other additions

Date Description Amount

08/14/23 Zelle payment from AYHAN CETIN Conf# m2wanlcxe 2,825.00

08/14/23 Zelle Transfer Conf# 99a0m7u3p; BURAK BAYRAK 170.00

08/14/23 Zelle payment from SOLMAZ BICAK Conf# dhxl1jtc5 150.00

08/15/23 LYFT *XPAY DEP 08/15 #000043200 PMNT RCVD LYFT *XPAY DEPOSI Visa Direct CA 251.78

08/15/23 KSUBRAMANIAN@L 08/15 #000337857 PMNT RCVD KSUBRAMANIAN@LYFT Visa Direct CA 191.57

08/15/23 KSUBRAMANIAN@L 08/15 #000855861 PMNT RCVD KSUBRAMANIAN@LYFT Visa Direct CA 59.11

08/15/23 Zelle Transfer Conf# 99a0po6t0; BURAK BAYRAK 5.11

08/16/23 KSUBRAMANIAN@L 08/16 #000357959 PMNT RCVD KSUBRAMANIAN@LYFT Visa Direct CA 86.72

08/16/23 Zelle Transfer Conf# YLCU3HQ7B; Halil Aksu 2.00

08/18/23 KSUBRAMANIAN@L 08/18 #000928854 PMNT RCVD KSUBRAMANIAN@LYFT Visa Direct CA 126.50

08/21/23 KSUBRAMANIAN@L 08/21 #000989255 PMNT RCVD KSUBRAMANIAN@LYFT Visa Direct CA 36.21

08/22/23 Zelle payment from SOLMAZ BICAK Conf# g5acfj7tl 150.00

08/23/23 Online Banking transfer from SAV 9410 Confirmation# 7682681269 921.72

08/23/23 STRIPE DES:Lyft 08-22 ID:ST-L0D3O5F3F5D4 INDN:MUHAMMET BURAK BAYRAK CO 5.00

ID:4270465600 CCD

08/25/23 Zelle payment from Halil Aksu Conf# Y3G5OXRO8 12.00

08/28/23 Zelle payment from MURAT ALAGOZ Conf# fng97tdap 440.00

08/28/23 Zelle payment from SOLMAZ BICAK Conf# cev6l53q0 150.00

08/28/23 Bank of America DES:CASHREWARD ID:BAYRAK INDN:0000000623937587000000 CO 24.83

ID:2002290310 PPD

08/30/23 Online Banking transfer from SAV 9410 Confirmation# 7536496257 324.24

08/30/23 HW*GrubHub Hol 08/30 #000542778 PMNT RCVD HW*GrubHub Holdin New York NY 261.90

08/30/23 Online Banking transfer from SAV 9410 Confirmation# 7941334360 120.00

08/30/23 Zelle payment from Halil Aksu Conf# PF5BDIHS6 10.00

continued on the next page

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MUHAMMET BURAK BAYRAK ! Account # 4830 9685 7619 ! August 10, 2023 to September 7, 2023

Deposits and other additions - continued

Date Description Amount

08/31/23 GRUBHUB INC DES:Aug Actvty ID:9399f24321d4406 INDN:Muhammet Bayrak CO 189.89

ID:3261328194 CCD

09/01/23 Online Banking transfer from SAV 9410 Confirmation# 7157487847 5.00

09/05/23 Zelle payment from AYHAN CETIN Conf# j7c6bhfgf 2,930.00

09/05/23 Zelle payment from BURAK BAYRAK Conf# 99a1n8y6q 2,120.00

09/05/23 HW*GrubHub Hol 09/03 #000101857 PMNT RCVD HW*GrubHub Holdin New York NY 499.50

09/05/23 HW*GrubHub Hol 09/05 #000190886 PMNT RCVD HW*GrubHub Holdin New York NY 169.05

09/05/23 Zelle payment from SOLMAZ BICAK Conf# c4owwrth8 150.00

09/06/23 LYFT *XPAY DEP 09/06 #000835731 PMNT RCVD LYFT *XPAY DEPOSI Visa Direct CA 20.71

09/07/23 HW*GrubHub Hol 09/07 #000843780 PMNT RCVD HW*GrubHub Holdin New York NY 286.09

09/07/23 GRUBHUB INC DES:Sep Actvty ID:9399f24321d4406 INDN:Muhammet Bayrak CO 273.54

ID:3261328194 CCD

Total deposits and other additions $12,967.47

Withdrawals and other subtractions

ATM and debit card subtractions

Date Description Amount

08/21/23 PURCHASE 0821 KLARNA INC KLARNA.COM OH -201.75

09/07/23 CHECKCARD 0906 CVS CarePass 800-746-7287 RI 24137463249200173206882 RECURRING -5.00

Total ATM and debit card subtractions -$206.75

Other subtractions
Date Description Amount

08/14/23 Online Banking transfer to SAV 9410 Confirmation# 7204759147 -163.45

08/14/23 WESTERN UNION DES: CAPTURE ID:322685254810310 INDN:MUHAMMET BAYRAK CO -2,800.99

ID:2222993574 WEB

08/14/23 APPLECARD GSBANK DES:PAYMENT ID:61946405 INDN:Muhammet Burak Bayrak CO -156.55

ID:9999999999 WEB

08/16/23 Zelle Transfer Conf# dkmqo29zz; Halil Aksu -2.00

08/17/23 Zelle Transfer Conf# hx2nsecip; Halil Aksu -23.00

08/21/23 Zelle payment to JESSERIC JIMENEZ MERCEDES Conf# cank2693z -10.00

08/21/23 APPLECARD GSBANK DES:PAYMENT ID:61946405 INDN:Muhammet Burak Bayrak CO -537.94

ID:9999999999 WEB

08/24/23 Online Banking transfer to SAV 9410 Confirmation# 7587027915 -590.18

08/24/23 APPLECARD GSBANK DES:PAYMENT ID:61946405 INDN:Muhammet Burak Bayrak CO -350.99

ID:9999999999 WEB
continued on the next page

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MUHAMMET BURAK BAYRAK ! Account # 4830 9685 7619 ! August 10, 2023 to September 7, 2023

Withdrawals and other subtractions - continued

Other subtractions - continued

Date Description Amount

08/24/23 APPLECARD GSBANK DES:PAYMENT ID:61946405 INDN:Muhammet Burak Bayrak CO -143.87

ID:9999999999 WEB

08/29/23 APPLECARD GSBANK DES:PAYMENT ID:61946405 INDN:Muhammet Burak Bayrak CO -396.63

ID:9999999999 WEB

08/30/23 Zelle payment to MUSTAFA KARABAS Conf# cleok1ms5 -262.00

08/31/23 Zelle payment to MUSTAFA KARABAS Conf# dl82tgghl -189.89

08/31/23 APPLECARD GSBANK DES:PAYMENT ID:61946405 INDN:Muhammet Burak Bayrak CO -434.81

ID:9999999999 WEB

08/31/23 APPLECARD GSBANK DES:PAYMENT ID:61946405 INDN:Muhammet Burak Bayrak CO -112.58

ID:9999999999 WEB

08/31/23 APPLECARD GSBANK DES:PAYMENT ID:61946405 INDN:Muhammet Burak Bayrak CO -63.58

ID:9999999999 WEB

08/31/23 APPLECARD GSBANK DES:PAYMENT ID:61946405 INDN:Muhammet Burak Bayrak CO -30.29

ID:9999999999 WEB

09/05/23 Zelle payment to MUSTAFA KARABAS Conf# ebe2369vd -399.50

09/05/23 Zelle Transfer Conf# d3cngb911; BURAK BAYRAK -830.00

09/05/23 Zelle payment to MUSTAFA KARABAS Conf# eu3wn6psu -169.05

09/05/23 WESTERN UNION DES: CAPTURE ID:324680450244587 INDN:MUHAMMET BAYRAK CO -2,905.99

ID:2222993574 WEB

09/05/23 APPLECARD GSBANK DES:PAYMENT ID:61946405 INDN:Muhammet Burak Bayrak CO -44.77

ID:9999999999 WEB

09/07/23 Zelle payment to MUSTAFA KARABAS Conf# ddwlpnqaa -310.53

09/07/23 Zelle payment to MUSTAFA KARABAS Conf# bwdklfo2p -150.00

09/07/23 HMF DES:HMFUSA.com ID:20230202494178 INDN:MUHAMMET BAYRAK CO -512.61

ID:9200704262 PPD

Total other subtractions -$11,591.20

Braille and Large Print Request - You can request a copy of this statement in Braille or Large Print by calling 800.432.1000 or going to
bankofamerica.com and enter Visually Impaired Access from the home page.

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MUHAMMET BURAK BAYRAK ! Account # 4830 9685 7619 ! August 10, 2023 to September 7, 2023

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 Important Messages - Please Read
We want to make sure you stay up-to-date on changes, reminders, and other important details that
could impact you.

Good news:
There are more ways for you to avoid the monthly maintenance fee on your Bank of America Advantage
SafeBalance Banking® account.

Beginning with your statement cycle that starts on or after November 3, here are all of the ways you can avoid the monthly fee.

Bank of America Advantage SafeBalance Banking®

Avoid the $4.95 monthly fee each statement cycle that you:
· Have an owner on the account under the age of 25, OR
· Maintain a minimum daily balance of $500 or more in the account, OR
· Are enrolled in the Preferred Rewards program and qualify for the Gold, Platinum or Platinum Honors tier (first 4 checking
accounts) or Diamond or Diamond Honors tier (unlimited) - learn more at bankofamerica.com/preferred-rewards

Reminder - you can switch accounts if your needs change. Here are the other checking accounts we offer that have different
features and monthly fees that can be avoided in other ways.

Bank of America Advantage Plus Banking®

Avoid the $12 monthly fee each statement cycle that you:
· Have at least one qualifying direct deposit of $250 or more, OR
· Maintain a minimum daily balance of $1,500 or more in your account, OR
· Are enrolled in the Preferred Rewards program and qualify for the Gold, Platinum or Platinum Honors tier (first 4 checking
accounts) or Diamond or Diamond Honors tier (unlimited)

Bank of America Advantage Relationship Banking®

Avoid the $25 monthly fee each statement cycle that you:
· Maintain a minimum daily balance of $20,000 or more in the account, OR
· Are enrolled in the Preferred Rewards program and qualify for the Gold, Platinum or Platinum Honors tier (first 4 checking
accounts) or Diamond or Diamond Honors tier (unlimited)

Visit bankofamerica.com/checking to compare accounts and find your fit. If you are interested in switching, schedule an
appointment with one of our specialists at bankofamerica.com/appointments or call the number on this statement.

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MUHAMMET BURAK BAYRAK ! Account # 4830 9685 7619 ! August 10, 2023 to September 7, 2023

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