Exhibit List PartyCal. Super. - 6th Dist.January 6, 2020Hunt & I-lenriques, Attorneys at Law Michael S. Hunt, Esq. ¹99804 Janalie Henriques, Esq. ¹111589 Keri L. Salet, Esq. ¹318913 7017 Realm Drive San Jose CA 95119-1306 Telephone: (408) 362-2270 Facsimile: (408) 362-2299 Attorneys for Plaintiff 10 SUPERIOR COURT OF CALIFORNIA, COUNTY OF SANTA CLARA 'OWNTOWN SUPERIOR COURT - LIMITED CIVIL JURISDICTION Wl ru A e t Z co 0D 8 Z IQ 0 11 CITIBANK, N.A., 12 Plaintiff, 15 16 17 18 19 20 21 22 23 24 25 Defendant(s) 13 v, 14 LUIS C GONZAI.ES, et al., i Case No. 20CV361263 PLAINTIFF'S TRIAL EXHIBITS 27 DD0002BD I I&SA Page I of I Plaintiff s Trial Exhibits 1380553,00I Electronically Filed by Superior Court of CA, County of Santa Clara, on 12/29/2020 12:55 PM Reviewed By: R. Burciaga Case #20CV361263 Envelope: 5545770 20CV361263 Santa Clara - Civil R. Burciaga SITE:KC-CL TM;C0-5000 ACID:IR86450 06/06/20 IB54:22 LUIS C GONZALES Member Since1990 Account number endinq in. 2508 Billing Period: 08/24/16-09/23/16 www.citicards.corn Customer Service 1-888-766-CITI(2484) TTY-hearing-impaired services onfy 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 SEPTEMBER STATEMENT Minimum payment due: New balance as of 09/23/16: Payment due date: $160.00 $10,681.32 10/21/1 6 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 37 and your APRs may be increased up to the variable Penalty APR of 29 99%. Minimum Payment Warninq:If you make only the minimum payment each penod, you will pay more in interest and it will take you longer to pay off your balance For example. Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance Credit Limit Revolwng Credit limit Includes $ 8,700 cash advance kmit $15,285.21 -$28,756.93 -$387.34 +$ 24,519.16 +$0.00 +$0.00 +$ 21.22 $10,681.32 $18,500 If you make no additional charges using this card and each month you pay... You will pay off the And you will end up balance shown on this payinq an estimated statement in about... total of... Available Revolving credit $ 7,818 Includes $7,818 available for cash advances Only the minimum payment 24 year(s) $21,272 $344 3 year(s) $12,384(Savings=SB,BBB) For information about credit counseling services, call I-877-337-B187 AAdvantage Mites Earned this period: 24,159 Minimum payment due New balance Payment due date $160.00 $10,681.32 10/21/16 Amount enclosed: * b»gi 2 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148 2168 CITICARDS PO BOX 78045 Phoenix, AZ 85062.8045 PLAINTIFF'S EXHIBIT 1- 2.cb C VZ( 13-U o 001 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI(2484) TTY-hi annn-imoaired serwces only 1-800-325-2865 Page 2 of 4 Account Summary Trans. Post date date Descnption Payments, Credits and Adjustments 08/24 WT "9V7GO 08/Z4 DEBIT CARD PAYMENT - THANK YOU 70 N6012 0000 PAYMENT THANK YOU K0000000 70 NOOOO 0001 09/15 ONLINE PAYMENT, THANK YOU 70 0000 0001 09/05 09/05 VHFHMF90 09/07 09/07 THE HOME DEPOT It6672 SAN JOSE CA 71 5200USA 2222 LOINES h01756* SAN JOSE CA LKYVMBOO 727072 07/27 71 5200USA REFUND BAD CHECK FEE 77 0000 2222 08/23 CREDIT INTEREST CHARGES 99782353 72 0000 00 Promo Purchase-Offer 4 (1.990%) 08/22 1PR48BML 08/24 SPROUTS FARMERS MARK SUNNYVALE CA 61 A54DUSA 2222 08/23 08/24 LEXUS OF PLEASANTON PLEASANTON CA Amount .$ 1,200 00 .$17,000.00 $10,556.93 -$67.52 -$292.53 .$27.00 -$0.29 $ 51.08 $ 3,200 00 AADVANTAGEo MILES EARNED THIS PERIOD: 24,159 Purchase Accumulated This Period 24,159 24,159 11 Visit Ba,corn/Badvantage to redeem miles, book ljjfjhts Bnd much more American Airlines reserves the right to change the AAdvantagetp program and its terms and conditions at any hme without notice, and to end the AAdvantageLB program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer do not count toward elite- status qualification or Million MilerSM status Amencan Airknes is not responsible for products or serwces offered by other participating companies For complete details about the AAdvantage program, visit www.aa.cpmJaadvaotage Amencan Airlines, AAdvantage and AAdvantage Million Miler are trademarks of Amencan Airlines, Inc. 324FOX 8 08/24 08/24 PKVXQL10 08/25 08/25 798W9600 61 A5511USA 2222 UNI-MARBLE & GRANITE I SAN JOSE CA 61 A5713USA 2222 CVS/PHARMACY d09229 SAN JOSE CA 61 A5912USA 2222 $733.20 $93.95 08/26 SYP'JGBR 08/26 AUTO PRIDE CAR WASH SAN JOSE CA 61 A7542USA 2222 $18.99 08/28 08/28 LEXUS OF PLEASANTON PLEASANTON CA $9,000.00 WN4FOX 8 61 A5511USA 2222 08/29 3MTQPQMB 08/29 ORCHARD SUPPLY IN60 SAN JOSE CA 61 A5200USA 2222 $155.49 08/30 08/30 OXJTK300 LOWES h01756" SAN JOSE CA 61 A5200USA 2222 $1,499.08 08/30 08/30 DECO KITCHEN CAB BATH SAN JOSE CA $1,616.46 22JQ*500 08/30 08/30 61 A 5719 USA 2222 THE HOME DEPOT h6672 SAN JOSE CA $ 281 10 'HXPBF90 61 A5200USA 2222 AB i71 An/71 2 IN C N C ' 5 09/02 09/02 337SNQFJ APK PEcv AAIITDOI 70o van-71c7 CA 61 A7342USA 2222 upaycard corn London GBR 61 A6012GBR 2222 C7O AA $ 0.76 09/03 09/03 CACHE CREEK RESORT BROOKS CA $ 55.50 MN**7YZ5 09/05 09/05 61 A7011USA 2222 PHONE NUMBER: 8009501292 FOLIO NUMBER: 11207237 ARRIVE: 09/02/16 DEPART: 09/03/16 WM SUPERCENTER (f3023 SAN JOSE CA $21.12 *PCNOJLB 61 A5411USA 2222 09/05 K13FSZMZ 09/05 61 A5712USA 2222 SLEEP TRAIN 00202 SAN JOSE CA $4,928.57 09/05 09/05 THE HOME DEPOT u6672 SAN JOSE CA $107.55 GBHHMF90 61 A5200USA 2222 002 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CIT I(2484) TTY-hearinn-Imnaired services only 1.800-325-2865 Paqe 3 of 4 Promo Purchase-Offer 4 ((.990%), cont'd Trans. date Post date Description 09/06 09/06 DTV*DIRECTV SERVICE 800-347-3288 CA Amount $ 257.13 Y9MG4NOO 09/07 09/07 61 A4899USA 2222 RITE AID STORE 5992 SAN JOSE CA $27.88 QXZFRJOO 09/07 61 A5912USA 2222 09/07 MI PUEBLO FOODS SAN JOSE CA 557 76 6K87BQCR 09/07 09/07 61 A5411USA LOWES tt01756* 2222 SAN JOSE CA $182.70 QDYVMBOO 09/07 09/07 36$ 1NDOO 09/08 09/08 6] A5200USA 2222 LOWES t(01756'AN JOSE CA 61 A5200USA 2222 ORCHARD SUPPLY O160 SAN JOSE CA $287. 11 $67.11 06RDPQMB 61 A5200USA 2222 09/12 09/12 LUCKY (f766 SAN JOSE SAN JOSE CA 510.99 LHQCQBML 61 A5411USA 2222 09/12 09/12 LUCKY I(766 SAN JOSE SAN JOSE CA 531.79 SDCCQBML 09/12 09/12 OD2*7R30 61 A5411USA 2222 AUTOPAY/DISH NTWK ENGLEWOOD CO 61 A4899USA 2222 $74.74 09/13 09/13 USA USA*AMI MUSICBOX MALVERN PA $ 5 00 GFCNS000 09/I 3 09/I 3 ROT305V5 61 A7994USA 2222 EVERGREEN INN PUB SAN JOSE CA $15 00 61 A5814USA 222Z 09/16 09/16 WEB CLUB LEGENDARY RCI BAYARD DOM $103.83 RCJ9715* 61 A7012DOM 2222 09/17 RGKXCWZP 09/17 ALASKA A0272123524239 08006545669 WA 61 D3256USA 2222 NAME; GONZALES/LUIS DEPART: 09/27/16 SJC TO SJD; AS: CLASS: T: STOP: $138.03 09/17 09/17 ALASKA A0272123524240 08006545669 WA $138.03 BKKXCWZP 61 D3256USA 2222 NAME: GONZALES/DAVID DEPART: 09/27/16 09/18 09/18 9YZJW7WO SJC TO SJD: AS: CLASS: T: STOP'DY*SPOTIFY POOBA710F HTTPS://NINIW.S NY $14 99 61 A4899USA 2222 09/19 09/19 USA'USA*AMI MUSICBOX MALVERN PA 510.00 4QX2XCOO 09/I 9 09/19 61 A7994LISA 2222 SAFEWAY STORE00014399 SUNNYVALE CA $ 40.18 ZXFBFBML 09/20 09/20 61 A5411USA 2222 CSJ - HAYES FOOD AND 8 SAN JOSE CA HNWGPSD6 61 A5411USA 2222 09/20 09/20 LUCKY I(766 SAN JOSE SAN JOSE CA $ 27.85 $103. 58 GXVD8988 61 A5812USA 2222 L3VPPXRO 61 A5969USA 2222 09/21 09/21 FOOD MAXX O491 SAN JOSE CA 09/21 09/21 DOC'5 ENTERPRISES 07023731241 NV $750.00 5133. 67 R6J7QBML 09/22 09/22 JL6298M2 61 A5411USA 2222 ALUM ROCK AUTO CARE SAN JOSE CA $27.00 61 A7538USA 2222 09/22 09/22 QT12PSHQ CLARK PEST CONTROL 209-368-7152 CA 61 A7342USA 2222 $79.00 09/22 09/22 QRcHARD sUppLY n020 sAN JosE cA $93.94 003 www.citicards.corn LUIS C GONZALES Customer Service 1-888-766-CITI(2484& TTY-hi arinn-imoaired serwces only I-BOO-325-2865 Page 4 of 4 Promo Purchase-Offer 4 (1.990%), cont'd Trans date Post date Descnption Amount ZNGFPQMB 61 A5200USA 2222 Fees charged Total fees charged in this billinq period SO.OO Interest charged Date Descnption Amount 09/23 INTEREST CHARGED TO OFFER-004 $ 21. 22 00000000 84 0000 Total interest charged in this billinq period $ 21.22 2016 totals year-to-date Total fees charged in 2016 Total interest charged in 2016 $95.00 $266.97 Interest charge calculation Days in bilhng cycle:31 Your Annual Percentage Rate (APR) is the annual mlerest rate on your account. Balance type PURCHASES Standard Purch Annual percentage Balance subject rate (APR) to interest rate Interest charqe 13.49% (V) $ 0.00 (D) SO.OO Offer 4 I 99% $12,557.49 (D) $ 21.22 (Promotional Rate Expires 03/01/17) ! ADVANCES Standard Adv 25&49% (V) $ 0.00 (D) $0.0O! Your Annual Percentage Rate &APR) is the annual interest rate on your account. APRs followed by &V) may vary Balances followed by (D) are determined by the daily balance method (mcludmg current transactions). Account messages You can help those impacted by the recent flooding in Louisiana by making a donation to the American Red Cross. Many people need support during this difficult time, https://www.redcross.org/donate/donation Remember, any charges above your revolving credit limit MUST BE PAID IN FULL by your statement's payment due date. 004 SITE:KC-CL TM:CO-5000 ACID:IRB6450 06/06/20 11:54:22 LUIS C GONZALES Member Since1990 Account number ending in: 2508 Billing Period: 09/24/16-10/25/16 www.citicards.corn Customer Service I-888-766-CITI(2484) TTY-heanng-impaired serwces only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 OCTOBER STATEMENT Minimum payment due: New balance as of 10/25/16: Payment due date: 5258.00 517,228.27 11/21/1 6 Late Payment Warnings if we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 37 and your APRs may be increased up to the variable Penalty APR of 29.99%. Minimum Payment Warning:If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For xample'ccount Summary Previous balance Payments Credits Purchases Cash advances Fees I terest New balance Credit Limit Revolving Credit limit Includes $ 8,700 cash advance limit $10,681.32 -$ 537.01 -$209.20 +$7,268.95 +$ 0.00 +$0 00 +$24.2i $17,228.27 $18,500 If you make no additional charges using this card and each month you pay... Only the minimum payment $559 You will pay off the balance shown on this statement in about... 28 year(s) I 3 year(s) And you will end up eying an estimated otal of... $ 34,742 $20,124 (S av in g s = $14, 61 8) Available Revolving credit $1,271 Includes $1,271 available for cash advances For information about credit counsekng serwces, calli-877-337 8)87. AAdvantage Miles Earned this period: 7,060 Minimum payment due New balance Payment due date $258.00 $17,228.27 11/21/1 6 Amount enclosed: Account number ending in Z508 LUIS C GONZALES 3387 1HRIFT PL SAN JOSE CA 95148 2168 CITI CARDS PO BOX 78045 Phoenix, AZ 85062-8045 005 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI&2484) TTY hi annn-imnaired serwces only 1-800.325 2865 Page 2 of 4 Account Summary Trans. Post date date Descnption Payments, Credits and Adjustments 10/15 ONLINE PAYMENT, THANK YOU 70 0000 0000 09/29 09/29 5X7SQX"P BED BATH & BEYOND ¹223 SAN JOSE CA 71 5719USA 2222 09/30 09/30 LOWES ¹01756* SAN JOSE CA SHM38000 10/01 10/01 71 52000&A 2222 BED BATH & BEYOND ¹223 SAN JOSE CA 20NSQX*P 71 5719 USA 2222 Promo Purchase-Offer 411.990v/o) 09/23 SY41BRQF 09/23 09/24 09/24 TA-SANTA CRUZ 30100903 SAN JOSE CA 61 A5812USA 2222 PARIS LV CASINO FRNT D LAS VEGA& NV 09/23 09/24 ZJFXTR30 MGM LOBBY BAR LAS VEGAS NV 61 A5812USA 2222 BZTOVK50 61 A3795USA 2222 PHONE NUMBER: 8662094732 FOLIO NUMBER: 0003458742 ARRIVE: 09/22/16 DEPART: 09/23/16 Amount $ 537.01 -$ 6 53 .$95.90 -$106 77 $33.19 $ 6.00 $33.28 AADVANTAGEo MILES EARNED THIS PERIOD: 7,060 Purchase 7.060 Accumulated This Period 7,060 » Vtslt Bo.corn/Badvantage to redeem miles, book flights and much more Amencan Airlines reserves the nght to change the AAdvantagela& program and its termsand conditions at any time without notice, and to end the AAdvantagef-'& program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer do not count toward elite- status quahfication or Million Miler&M status. A meri«an Airlines is not responsible for products or serwces offered by other participating companies. For complete details about the AAdvantage program, visit www,aa.corn/aadvantacLe American Airlmes, AAdvantage and AAdvantage Million Miler are trademarks of Amencan Airlines, Inc. 09/23 YBK4XG16 09/26 09/24 09/26 THE BRIT SAN JOSE CA 61 A5812USA 2222 LUCKY tl'766 SAN JOSE SAN JOSE CA $ 66.08 $101 40 51GWQBML 61 A5411USA 2222 09/29 09/29 AUTO PRIDE CAR WASH SAN JOSE CA $19.99 7HYCJGBR 09/29 09/29 PMB5ZIBB 09/29 09/29 ZCW9CSV5 61 A7542USA 2222 D & L DRY CLNR & ALTNS SAN JOSE CA 61 A7216USA 2222 EVERGREEN INN PUB SAN JOSE CA 61 A5814USA 2222 $ 26 00 $31 00 09/29 09/29 CVS/PHARMACY ¹09229 SAN JOSE CA $ 39.09 TNKJM600 61 A5912USA 2222 09/29 2FXTIHS5 09/29 ZHBGLKLB 09/29 09/29 TACO BELL 30798 SAN JOSE CA 61 A5814USA 2222 RED LOBSTER 0382 SAN JOSE CA 61 A5812USA 2222 $9. 07 $46 33 09/29 09/29 BED BATH & BEYOND ¹223 SAN JOSE CA $329 32 09/30 09/30 C7P6NYRO DOC'5 ENTERPRISES 07023731241 NV 61 A5969USA 2222 $ 99.00 09/30 HFM38000 09/30 LOWES ¹01756* SAN JOSE CA 61 A5200USA 2222 $131 76 09/30 09/30 SIZZLER ¹425 SAN JOSE CA $20 65 HK2CF2Y2 10/01 FLCSQX"P 10/01 7HYIDWZP 10/01 10/01 61 A5812USA 2222 BED BATH F BEYOND ¹223 SAN JOSE CA 61 A5719USA 2222 ALASKA A0272124469994 08006545669 WA 61 A3256USA 2222 NAME; GONZALES/LUIS 111 D E PA R T. 12/23/I 6 SJC TO SAN: AS: CLASS: H: STOP: SAN TO SJD: AS: CLASS: H: STOP'X $ 66.90 $298 80 006 www.citicards.corn LUIS C GONZALES Customer Service 1-888.766-CIT I(2484) TTY-hr annn-imoatred services only 1-800-325-2865 Page 3 of 4 Promo Purchase-Offer 4 (t.990%), cont'd Trans. date Post date Descnpt ton Amount 10/Ol 10/01 Oceano Hotel and Ba Half Moon Bay CA H9MWBNGW 61 A7011USA 2222 PHONE NUMBER. 6507265400 FOLIO NUMBER; 00106523 ARRIVE'10/01/16 DEPART. 10/02/16 $276.15 10/05 10/05 COSTCO LOS CABOS LOS CABOS BCS MEX 307N595F 61 A5300MEX 2222 17,184 38 MEXICAN PESO 10/06 10/06 DOC'5 ENTERPRISES 07023731241 NV $ 891.44 $30.00 M7VBQWRO 10/06 61 A5969USA 2222 10/06 WEB CLUB LEGENDARY DOM BAYARD DOM $103.83 BV2F715'1 A7012DOM 2222 10/06 10/06 DTV*DIRECTV SERVICE 800.347.3288 CA $ 222.3/ G7QYLVOO 61 A4899USA 2222 10/07 10/07 HOME DEPOT LOS CABOS LOS CABOS BCS MEX QGRXRNIX 10/07 61 A5311MEX 2222 94.00 MEXICAN PESO 10/07 DOC'5 ENTERPRISES 07023731241 NV $4.88 $99.00 N2TIGWRO 61 A5969USA 2222 10/08 10/08 INTERCERAMIC 5 J C SAN JOSE DEL MEX 9PBTXNHW 61 A5211MEX 2222 10,501.89 MEXICAN PESO 10/08 10/08 MILENIO AMBIENTAL LOS CABOS BCS MEX OFP2XN7(Y 61 A7623MEX 2222 15,940.00 MEXICAN PESO 10/11 10/11 HOME DEPOT LOS CABOS LOS CABOS BCS MEX T5YXRNIX 61 A5311MEX 2222 4,998.'jo MEXICAN PESO 10/12 10/12 XYAL MART LOS CABOS LOS CABOS BCS MEX $ 544.79 $826 89 $264.33 9JGPORYV 61 A5411MEX 2222 820.16 MEXICAN PESO $43.35 10/13 10/13 AUTOPAY/DISH NTWK ENGLEWOOD CO 9SKY2R30 61 A4899USA 2222 $74.74 10/I 4 10/14 MEGA COM MEX CASCADA LOS CABOS MEX GBH6817F 61 A5411MEX 2222 58534 MEXICAN PESO $30.90 10/15 10/15 DOC'5 ENTERPRISES 07023731241 NV $99.00 4QXQ6XRO 61 A5969USA 2222 10/I 5 10/15 COSTCO LOS CABOS LOS CABOS BCS MEX SC5N5P5F 61 A5300MEX 2222 1,887.48 MEXICAN PESO 10/16 10/16 Spotify USA New York NY OBBGX2TP 61 A4899USA 2222 10/16 10/16 SENOR BLINDS 6 CURTAIN CABO SAN LUCA MEX 4WRP0966 61 A5714MEX 2222 33,600 00 MEXICAN PESO 10/17 10/17 NIAL MART LOS CABOS LOS CABOS BCS MEX $99.61 $14 99 $1,773.60 J6DPORYV 61 A54TIMEX 2222 593.03 MEXICAN PESO 10/19 10/19 HOME DEPOT LOS CABOS LOS CABOS BCS MEX $31.30 ZXTXRNIX 61 A5311M EX 2222 33399 MEXICAN PESO $17.94 10/19 10/19 WAL MART LOS CABOS LOS CABOS BCS MEX 007 www.citicards.corn LUIS C GONZALES Customer Service 1.888.766.CITI(2484) 1 TY-he*rinn imoaired services only 1-800-325 2865 Page 4 of 4 Promo Purchase-Offer 4 (1.990%), cont'd Trans. date Post date Description Amount DNJPORYV 61 A5411MEX 2222 499.18 MEXICAN PESO 10/20 10/20 LA EUROPEA LOS CABOS BCS MEX $26 81 5XXPHQWV 10/22 61 A5921MEX 2222 1,869.00 MEXICAN PESO 10/22 COSTCO LOS CABOS LOS CABOS BCS MEX $100.71 CN7NSPSF 61 A5300MEX 2222 10/22 MNROCWZP 1,72182 MEXICAN PESO 10/22 ALASKA A0272125941184 08006545669 WA 61 A3256USA 2222 NAME; GONZALES/LUiS DEPART 10/27/16 SJD TO 5JC: AS: CLASS: K: STOP $ 92.74 $217. 21 10/24 10/24 BARD VIVERO LOS CABOS LOS CABOS BCS MEX OJTPJ9BW 61 A5261MEX 2222 45500 MEXICAN PESO $ 24.51 Fees charged Total fees charged in this billing period $0.00 Interest charged Date Descnption 10/25 INTEREST CHARGED TO OFFER-004 Amount $24.21 00000000 84 0000 Total interest charged in this billing period $ 24.21 2016 totals year-to-date Total fees charged in 2016 Total interest charged in 2016 $95.00 $ 291.18 Interest charge calculation Days in billing cycle 32 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Balance type PURCHASES Annual percentage Balance subject rate (APR) to interest rate Interest charge Standard Purch 13.49% (V) $0.00 (D) $0.00 19)% $13 880. i8 iD) $24.2 I (Promotional Rate Expires 03/01/17) ADVANCES Standard Adv 25.49% (V) $ 0.00 (D) $ 0.00 Your Annual Percentage Rate (APR) is the annual mterest rate on your account. APRs followed by (V) may vary. Balances followed by (D) are determmed by the daily balance method (includino current transactions). Account messages You can help those impacted by Hurricane Matthew by making a donation to the American Red Cross. Many people need support during this difficult time. Visit thankyou.corn to use your points to make a donation today or donate directly to http://www.redcross.org/cm/citigroup-pub Remember, any charges above your revolving credit limit MUST BE PAID IN FULL by your statement's payment due date. 008 SITErac-CL TM:C0-5000 ACID:IRB6450 06/06/20 lh54:22 LUIS C GONZALES Member Since 1990 Account number endinq in; 2508 Billing Penod:10/26/16-11/23/16 www.citicards.corn Customer Service 1.888-766-CITI(2484) TTY-hearinq-impaired services only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 NOVEMBER STATEMENT Minimum payment due: New balance as of 11/23/16: Payment due date: $267.00 $17,845.60 12/21/1 6 Late Payment WarninqiIf we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 37 and your APRs may be increased up to the vanable Penalty APR of 29 996k Minimum Payment Warninq: lf you make only the minimum payment each period, you will pay more in interest and it will take you lonqer to pay off your balance. For example: Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance Credit Limit Revolving Credit limit Includes $ 8,700 cash advance limit $17,228.27 .$340.68 -$77.97 +$1,008.ZI +$ 0.00 +$0.00 +$27.77 $17,845.60 $18,500 If you make no additional charges using this card and each month you pay. L You will payoff the And you will end up balance shown on this payinq an estimated statement in about... total of... Available Revolving credit Includes $ 654 available for cash advances $654 Only the minimum payment 28 year(s) $ 36,233 $ 584 3 year(s) $ 21,024 (Savings=$15,209) For information about credit counsekng serwces, calli-877.337-9187. AAdvantage Miles Earned this period: 930 Minimum payment due New balance Payment due date $267.00 $17,845.60 12/21/'i6 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148-2168 0 IT I CARDS PO BOX 78045 Phoenix, AZ 85062-8045 009 www.citicards.corn LUIS C GONZALES Customer Service 1-888-766-CITI(2484) TTY-hr arinn-impaired serwces onfy 1-800-325-2865 Page 2 of 3 Account Summary Trans. Post date date Description Payments, Credits and Adjustments 11/14 ONLINE PAYMENT, THANK YOU 70 0000 0000 11/07 11/07 LOWES ¹01756" SAN JOSE CA FNR64JOO 71 5200USA 2222 Promo Purchase-Offer 4 (1.990'/o) 10/24 DBK6817F 10/26 MEGA COM MEX CASCADA LOS CABOS MEX 61 A5411MEX 2222 520.82 MEXICAN PESO 11/03 11/03 D & L DRY CLNR & ALTNS SAN JOSE CA F9FHZIBB 11/03 X31DS700 11/03 Y9LP715" 61 A7216USA 2222 11/03 CVS/PHARMACY ¹09229 SAN JOSE CA 61 A5912USA 2222 11/03 WEB CLUB LEGENDARY DOM BAYARD DOM 61 A7012DOM 2222 11/03 11/03 LUCKY ¹766 SAN JOSE SAN JOSE CA 9GVCHBML 61 A5411USA 2222 9$089WOO 61 A4899USA 2222 11/07 11/07 DOC'5 ENTERPRISES 07023731241 NV 11/06 11/06 DTV*DIRECTV SERVICE 800-347-3288 CA Amount -$340.68 -$77.97 $2 8.13 $20.25 $69.99 $103.83 $115 74 $222.44 $30.00 AADVANTAGEe MILES EARNED THIS PERIOD: 930 Purchase Accumulated This Period 930 930 8 Vfsh Ba.corn/Bedvantage to redeem miles, book flights Bnd Iyltlch more Amencan Airlines reserves the nght to change the AAdvantageC¹ program and its terms and conditions at any hme without notice, and to end the AAdvantagee program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer do not count toward elite. status qualification or Million Miler™ status. Amencan Airlines is not responsible for products or services offered by other participating companies. For complete details about the AAdvantage program, visit www aa.corn/aadvantage Amencan Airhnes, AAdvantage and AAdvantage Million Miler are trademarks of Amencan Airlines, Inc. 36YNCITO 61 A5969USA 2222 11/12 11/12 AUTOPAY/DISH NTWK ENGLEWOOD CO $74.82 97JDJP30 61 A4899USA 2222 11/15 11/15 Spotify USA New York NY $14.99 BHCQC2TP 61 A4899USA 2222 11/17 11/17 CLARK PEST CONTROL 209.368-7152 CA $79.00 XT9WBSHQ 61 A7342USA 2222 11/20 11/20 Mi PUEBLO FOODS SAN JOSE CA $41 60 VX06BQCR 11/20 Q6HBCQCR 11/20 NH0038ML 11/21 91R D P3 Y2 11/21 6''PS 61 A5411USA 2222 11/20 MI PUEBLO I ODDS SAN JOSE CA 61 A5411USA 2222 11/20 LUCKY ¹766 SAN JOSE SAN JOSE CA 61 A5411USA 2222 11/21 NOB HILL ¹635 SAN JOSE CA 61 A5411USA 2222 11/21 CHILI'5 EASTRIDGE MALL SAN JOSE CA 2222 $44.60 $20.87 $110.90 $31.05 Fees charged Total fees charged in this billing penod $0.00 Interest charged Date Description 11/23 INTEREST CHARGED TO OFFER-004 00000000 84 0000 Total interest charged in this billing period Amount $27 77 $ 27.77 010 www.citicards.corn LUIS C GONZALES 2016 totals year-to-date Total fees charged in 2016 Tote(interest charged in 2016 Customer Service I-888-766-CITI(2484) TTY-heannn-imoaired serwces only I 800 325-2865 $95.00 $318.95 Page 3 of 3 Interest charge calculation Days in billing cycle: 29 Your Annual Percentage Rate (APR) is the anneal mterest rate on your account Balance type PURCHASES Standard Purch Annual percentage Balance subject rate (APR) to interest rate Interest charge 13 49% (V) $ 0.00 &D) $0.00 Offer 4 1.99% S17,570.68 (D) $27 77 (Promotional Rate Expires 03/01/17) ADVANCES Standard Adv 25 49% (V) $ 0.00 (D) $ 0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed by &V) may vary. Balances followed by (D) are determined by the daily balance method (mcluding current transactions). Account messages You can help those impacted by Hurricane Matthew by making a donation to the Amencan Red Cross. Many people need support dunng this difficult time. Visit thankyou.corn to use your points to make a donation today or donate directly to http: //www.redcross.org/cm/citigroup-pub Remember, any charges above your revolving credit limit MUST BE PAID IN FULL by your statement's payment due date. 011 SITE:KC-CL TM:CO-5000 ACID:IRB6450 06/06/20 11.54:22 LUIS 0 GONZALES Member Since 1990 Account number endinq m: 2508 Billing Period:11/24/16-12/23/16 www.citicards.corn Customer Service 1-888-766-C IT I(2484) TTY-hearing-impaired services only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57ii7 DECEMBER STATEMENT Minimum payment due: $ 277.00 New balance as of 12/23/16: $18c467.77 Payment due date: 01/21/17 Late Payment Warning:If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 37 and your APRs may be increased up to the vanable Penalty APR of 29,995k Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance $17,845.60 -$1,200.00 -$0.00 +$1,791.84 +$0.00 +$0.00 +$30.33 $18,467.77 Minimum Payment Warning:If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If youmake no additional i You will payoff the 'nd you will end up charqes usinq this card balance shown on this paying an estimated and each month you pay... statement in about..., total of... Credit Limit Revolwng Credit limit $18,500 Includes $ 8,700 cash advance limit Available Revolving credit $ 32 Includes $ 32 available for cash advances Only the minimum payment 29 year(s) $ 38,123 $21,996 $611 , 3 year(s) ,(Savings=$16,127) For mformation about credit counseling services, call I 877 337 8187 AAdvantage Miles Earned this period: 1,792 Minimum payment due New balance Payment due date $ 277.00 $18,467.77 01/21/17 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 3387 1HRIFT PL SAN JOSE CA 95148.2168 CITI CARDS PO BOX 78045 Phoenix, AZ 85062-8045 012 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-C IT I(2484) TTY-hi arinn-imnaired services only 1-800-325-2865 Page 2 of 3 Account Summary Trans Post date date Descnption Payments, Credits and Adjustments 12/I 4 ONLINE PAYMENT, THANK YOU 70 0000 0000 Promo Purchase-Offer 4 (1,990%) 11/28 7NPH3GPB 11/28 QUIK STOP f&0094 QBO SAN JOSE CA 61 A5542USA 2222 11/28 11/28 WYBH2800 CVS/PHARMACY f&09229 SAN JOSE CA 61 A5912USA 2222 11/28 PCWGBZZP 11/29 FWMZGJYL 11/28 11/29 11/29 11/29 5KZFC5V5 EVERGREEN INN PUB SAN JOSE CA 61 A5814USA 2222 11/30 9FZ* "100 11/30 7-ELEVEN 14254 SAN JOSE CA 61 A5541USA 2222 ALASKA A0272128119966 08006545669 WA 61 A3256USA 2222 NAME: GONZALES/LLIIS DEPART 12/12/16 SJC TO SJD; AS: CLASS 7: STOP: FRESCO WORLD MARKET SAN JOSE CA 61 A5411USA 2222 Amount -51,200.00 $20 00 $ 24.1 9 $162 46 $ 20.66 $17.00 $ 6.38 AADVANTAGEe MILES EARNED THIS PERIOD; 1,792 Purchase 1,792 Accumulated This Period 1,792 » Visit Ba.corn/Baclvantage to redeem miles, hook flights ahd much more American Airlines reserves the nght to change the AAdvantageO program and its terms and conditions at any time without notice, and to end the AAdvantagem program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer do not count toward ehte- status quahfication or Million MilerSM status. Amencan Airhnes is not responsible for products or services ofFered by other participatmg companies. For complete details about the AAdvantage program, visit www aa corn/aadvantacLe Amencan Airlines, AAdvantage and AAdvantage Million Miler are trademarks of Amencan Airlines, Inc. 11/30 11/30 H72HTSD6 SAFEWAY STORE 00030957 SAN JOSE CA 61 A5411USA 2222 $44 94 12/0212/02 LBWSG900 12/02 12/02 58LRPSD6 12/0312/03 CVS/PHARMACY u09229 SAN JOSE CA 61 A 59120&A 2222 SAFEWAY STORE 00030957 SAN JOSE CA 61 A5411USA 2222 USA'USA*AMI MUSICBOX MALVERN PA $44.12 $ 55.21 $10.00 P5CQKOOO 12/03 NVR0815" 12/03 61 A7994USA 2222 WEB CLUB LEGENDARY DOM BAYARD DOM 61 A7012DOM 2222 5103. 83 L58JTSD6 12/06 YPVFMHOO 12/06 12/06 12/06 82WBRSD6 12/05 12/05 SAFEINAY STORE 00030957 SAN J05E CA 61 A5411USA 2222 DTV" DIRECTV SERVICE 800.347-3288 CA 61 A4899USA 2222 SAFEWAY STORE 00030957 SAN JOSE CA 61 A5411USA 2222 $34.04 $ 222i44 $59.49 12/07 R86J9r'00 12/07 RBK6CGPB 12/07 Z9KRPSD6 12/07 12/07 12/07 USA*USA"AMI MUSICBOX MALVERN PA 6i A7994USA 2222 QUIK STOP 110094 080 SAN JOSE CA 61 A5542USA 2222 SAFEWAY STORE 00030957 SAN JOSE CA 61 A5411USA 2222 $ 5.00 514. 00 $30.54 12/08 V9RW7WH5 12/08 12/08 12/08 90478WH5 BEVERAGES & MORE ft105 SAN JOSE CA 61 A5921USA 2222 BEVERAGES & MOREu105 SAN JOSE CA 61 A5921USA 2222 $155.47 5491.43 12/09 70000800 12/09 LE BOULANGER - EVERGRE SAN JOSE CA 61 A5812USA 2222 $105 83 12/11 12/11 DXPIMN*B AIRTECH SOLUTIONS 05104812947 CA 61 A1711USA 2222 $75.00 12/12 12/12 AUTOPAY/DISH NTWK 08003333474 CO $74.82 50P7288L 61 A4899USA 2222 013 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI(2484) TTY-he annn-imnaired services only 1-800-325-2865 Page 3 of 3 Promo Purchase.Offer 4 (1.990%), cont'd Trans date 12/15 SNOR13TP Post date Description 12/15 Spotify USA New York NY 61 A4899USA 2222 Amount $14.99 Fees charqed Total fees charged in this billing period $0.00 Interest charqed Date 12/23 Descnption INTEREST CHARGED TO OFFER 004 Amount $30.33 00000000 84 0000 Total interest charged in this billing period $3O.33 2016 totals year-to-date Total fees charged in 2016 Total interest charged in 2016 $95.00 $349.28 Interest charge calculation Days in b&lang cycle 30 Your Annual Percentage Rate (APRI is the annual interest rate on your account Balance type PURCHASES Standard Purch Annual percentage Balance subject rate (APR) to interest rate Interest charge 13.74% (I/) $ 0.00 (D) $0 00 Offer 4 199% $18 547.85 (D) $30.33 (Promotional Rate Expires 03/01/17) ADVANCES Standard Adv 25 74% (V) $ 0.00 (D) $ 000 f Your Annual Percentage Rate (APR) is the annual Interest rate on your account APRs followed by (V) may vary Balances followed by (D) are determined by the daily balance method bncludmg current transactions) Account messaqes Remember, any charges above your revolving credit limit MUST BE PAID IN FULL by your statement's payment due date. 014 SITE:KC-CL TM:CO-5000 ACID:IRB6450 06/06/20 lu54:22 LUIS C GONZALES Member Since 1990 Account number ending in: 2508 Billing Period:12/24/16-01/24/17 www.citicards.corn Customer Service I-888-766-C IT((2484) TTY-hearing-impaired services only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 JANUARY STATEMENT Minimum payment due: New balance as of 01/24/17: Payment due date: S277.00 $18,491.02 02/21/17 Late Payment Warnings lf we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 37 and your APRs may be increased up to the variable Penalty APR of 29.99%. Minimum Payment Warning:If you make only the minimum payment each penod, you will pay more in interest and it will take you longer to pay off your balance. For example: Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance Credit Limit Revolwng Credit limit Includes $ 8,700 cash advance limit $18,467.77 -$500.00 -$0.00 +$491.17 +$ 0.00 +$ 0.00 +$32.08 $18,491.02 $18,500 If you make no additional charges using this card and each month you pay... Vou will pay off the And you will end up balance shown on this paying an estimated statement in about... total of... Available Revolving credit Includes $ 8 available for cash advances $ 8 Only the minimum payment $618 29 year(s) 3 year(s) $ 38,416 $22,248 (Sawngs=$16,168) For information about credit counsekng serwces, cak I 877-337 8187. AAdvantage Miles Earned this period: 491 Minimum payment due New balance Payment due date $ 277.00 $18,491.02 02/21/17 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148.2168 CITICARDS PO BOX 78045 Phoenix, AZ 85062-8045 015 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI(2484) 1TY-hi annn-imoaired services only 1-800-325.2865 Page 2 of 2 Account Summary Trans. Post date date Description Payments, Credits and Adjustments 01/07 ONLINE PAYMENT, THANK YOU 70 0000 0000 Promo Purchase-Offer 4 (1.990%) 01/11 503NQ39L 01/I 2 6PLR32RO 01/I 3 01/11 AUTOPAY/DISH NTiNK 08003333474 CO 61 A4899USA 2222 01/12 DOC'5 ENTERPRISES 07023731241 NV 61 A5969USA 2222 01/13 DTV*DIRECTV SERVICE 800.347.3288 CA P*KS91TP 61 A4899USA 2222 Fees charged Total fees charged in this billing period Interest charged Date Description FOGX7ROO 61 A4899USA 2222 Oi/15 01/15 Spotify USA New York NY Amount -$ 500.00 $103.74 $150.00 $222 44 $14.99 $0.00 Amount AADVANTAGEe MILES EARNED THIS PERIOD: 491 Purchase 491 Accumulated This Period 491 » Visit Ba.corn/Bndvantage to redeem miles, book flights Bnd much more American Airhnes reserves the nght to change the AAdvantagea program and its terms and conditions at any time without notice, and to end the AAdvantageu program with six months notice. Any such changes may aifect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer do not count toward elite- status quahfication or Million MilerSM status. American Airlines is not responsible for products or services offered by other participating compames. For complete details about the AAdvantage program, visit www,aa,corn/aadvantage Amencan Airlines. AAdvantage and AAdvantage Milhon Miler are trademarks of American Airlines, inc. 01/24 INTEREST CHARGED TO OFFER.004 $32.08 00000000 84 0000 Total interest charged in this billing period $ 32.08 2017 totals year-to-date Total fees charged in 2017 Total interest charged in 2017 $0.00 $32.08 I Interest charge calculation Days m billing cycle:32 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Balance type Annual percentage Balance subject rate (APR) to interest rate Interest charge PLIRCHASES Standard Purch 13.74% (V) Offer 4 I 99% (Promotional Rate Expires 03/01/17) ~ADVANCES /Standard Adv 25 74% (V) $ 0 00 (D) $18,396.48 (D) $ 0 00 (D) $ 0 00 S32 08 $ 0.00 Your Annual Percentage Rate (APR& is the annual interest rate on your account. APRs followed by (V) may vary Balances followed by (D& are determined by the daily balance method (including current transactions) Account messages Remember, any charges above your revolving credit limit MUST BE PAID IN FULL by your statement's payment due date. 016 SITE:KC-CL TM:CO-5000 ACID.IRB6450 06/06/20 0:54:22 LUIS C GONZALES Member Since1990 Account number ending in: 2508 Biilmg Penod: 01/25/17-02/23/17 www.citicards.corn Customer Service 1-888-766-CITI(2484) TTY-heanng-impaired services only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 FEBRUARY STATEMENT Minimum payment due: New balance as of 02/23/17: Payment due date: 5255.00 517,028.95 03/21/17 Late Payment Warning:If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 37 and your APRs may be increased up to the variable Penalty APR of 29.99%. Account Summary Prewous balance Payments Credits Purchases Cash advances Fees Interest New balance $18,491.02 .$2,110.28 -$0.00 +$619.26 +$0.00 +$0.00 +$28.95 $17,028.95 Minimum Payment Warning:if you make only the minimum payment each penod, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional I You will pay off the And you will end up charges using this card 'alance shown on this paying an estimated and each month you pay... statement in about... total of... Credit Limit Revolving Credit limit Includes $ 8,700 cash advance limit $18,500 Available Revolving credit $1,471 Includes $1,471 available for cash advances Only the mmimum payment 28 year(s) $35,545 $ 20,664 $ 574 3 year(s) (Savings=$ 14,881) For information about credit counsehng services, cail I 877-337-8187. AAdvantage Miles Earned this penod: 619 Minimum payment due New balance Payment due date $255.00 $17,028.95 03/21/17 Amount enclosed: Account number endmg in 2508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148.2168 CITI CARDS PO BOX 78045 Phoenix, AZ 85062-8045 017 www.citicards.corn LUIS C GONZALES Customer Service 1-888"766.CITI(2484I TTY-hi annn-imoaired serwces only I 800 325-2865 Page 2 of 3 Account Summary Trans. Post date date Description Payments, Credits and Adjustments 02/02 ONLINE PAYMENT, THANK YOU 70 OOOOUS 0000 Amount -$ 600.00 AADVANTAGEo MILES EARNED THIS PERIOD: 619 619Purchase Accumulated This Period 619 02/08 ONLINE PAYMENT, THANK YOU 70 OOOOUS 0000 02/10 ONLINE PAYMENT, THANK YOU .5127.39 .$1,207.66 70 OOOOUS 0000 02/14 ONLINE PAYMENT, 1 HANK YOU 70 OOOOUS 0000 02/15 ONLINE PAYMENT, THANK YOU 70 OOOOUS 0000 02/17 ONLINE PAYMENT, THANK YOU .$ 81.24 -530 00 -S14.99 70 OOOOUS 0000 02/21 ONLINE PAYMENT, THANK YOU -$49 00 70 OOOOUS 0000 02/06 DTV*DIRECTV SERVICE 800.347-3288 CA02/06 SHBFHFOO 61 A4899USA 2222 $ 222.36 Promo Purchase-Offer 411.990%& 01/26 01/26 VALER0 7265 SAN JOSE CA $14.01 VJY4BRF3 61 A5542USA 2222 » VISI'I BB.COITI/BaciVBntage to redeem miles, book flights Bnd much more American Airlines reserves the right to change the AAdvantagea program and its terms and conditions at any time without notice, and to end the AAdvantagece program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer do not count toward ehte- status qualification or Million MilerSM status. Amencan Airlines is not responsible for products or services ofFered by other participating companies. For complete details about the AAdvantage program, visit www aa.corn/aadvantacLe American Airlines. AAdvantage and AAdvantage Milhon Miler are trademarks of American Airlines, Inc. 02/08 02/08 WEB CLUB LEGENDARY DOM BAYARD DOM $103.83 N57M815* 61 A7012DOM 2222 02/08 Y57M815* 02/08 WEB CLUB LEGENDARY DOM BAYARD DOM $103.83 61 A7012DOM 2222 02/11 02/11 AUTOPAY/DISH NTWK 08003333474 CO 581.24 31YLFXBL 61 A4899USA 2222 02/13 02/13 DOC'5 ENTERPRISES 07023731241 NV 530.00 N7JZ6ZRO 61 A5969USA 2222 02/15 02/15 Spotify USA New York NY 514 99 5YTBF4TP 02/I 9 61 A4899USA 2222 02/19 DOC'5 ENTERPRISES 07023731241 NV $49.00 TYTBVZRO 61 A5969USA 2222 Fees charged Total fees charged In this billing period $0.00 Interest charged Date 02/23 Descnption INTEREST CHARGED TO OFFER-004 Amount $28.95 00000000 84 0000 Total interest charged in this billing period $28.95 2017 totals year-to-date Total fees charged in 2017 Total interest charged in 2017 $0.00 $61.03 018 www.citicards.corn LUIS C GONZALES Customer Service 1-888.766-CITI(2484) TTY-hrannn-imoaired serwces only 1-800-325-2865 Page 3 of 3 Interest charge calculation Days in billing cycle; 30 Your Annual Percentage Rate (APR) is the annual mteresi rate an your account. Balance type Annual percentage Balance subject rate (APR) to interest rate Interest charge PURCHASES Standard Purch 13.74% (V) $ 0 00 (D) $ 000 Offer 4 1.99% $17,705.87 (D) $28 95 (Promotional Rate Expires 03/01/17) ADVANCES t Standard Adv I- 25.74% (V) SO.OO (D) $ 0.00 Your A ~ nual Percentage Rate (APR) is the annual interest rate on your account APRs followed by (V) may vary Balances followed by (D) are determined by the daily balance method (including current transactions) Account messages Remember, any charges above your revolving credit limit MUST BE PAID IN FULL by your statement's payment due date. 019 SITE:KC-CL I M:CO-5000 ACID:IRB6450 06/06/20 ID54:22 LUIS C GONZALES Member Since1990 Account number ending in: 2508 Billing Pened 02/Z4/17-03/23/17 www.citicards.corn Customer Service 1-888-766-CITI(2484) TTY-hearing-impaired services only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 MARCH STATEMENT Minimum payment due: New balance as of 03/23/17: Payment due date: $329.11 517,635.12 04/21/17 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 37 and your APRs may be increased up to the variable Penalty APR of 29.99'/o. Minimum Payment Warning:If you make only the minimum payment each penod, you will pay more in interest and it will take you longer to pay off your balance. For example: Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance Credit Limit Revolving Credit limit Includes $ 8,700 cash advance limit $17,028.95 .$255.00 -$ 17,081.79 +$17,789.85 +$0.00 +$0.00 +Si53.11 $17,63 5.12 $18,500 If you make no additional charges using this card and each month you pay. You wilt pay off the And you will end up balance shown on this paying an estimated statement in about... ] total of... Available Revolving credit $864 Includes $ 864 available for cash advances Only the mmimum payment 28 year(s) $ 37,173 $603 3 veal(s) $ 21,708 (Sawngs=$15,465) For information about credit counseling services, call I-B77-337-8)87. AAdvantage Miles Earned this penod: 708 Minimum payment due New balance Payment due date $329.11 $17,635.12 04/21I17 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148.2168 C I 7 I 0 AR D 5 PO BOX 78045 Phoenix, AZ 85062-8045 020 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI(24841 I TY-heannn-impaired services only 1-800.325-2865 Page 2 of 3 Account Summary Trans date Post date Descnption Payments, Credits and Adlustments 03/16 ONLINE PAYMENT, THANK YOU 000070 00000$ Amount .$ 255 00 AADVANTAGEe MILES EARNED THIS PERIOD: 708 Purchase 708 Accumulated This Period 708 03/22 FEE REFUND 844.873-9053 88888888 72 0000 9999 -$ 52.84 Standard Purchases 03/06 03/06 DTV*DIRECTV SERVICE 800-347-3288 CA $168 73 9KVNN700 61 A4899USA 2222 03/07 03/07 AUTO PRIDE CAR WASH SAN JOSE CA 521.99 47CJJGBR 61 A7542USA 2222 03/07 03/07 CVS/PHARMACY II09229 SAN JOSE CA $ 50.67 390VR700 03/07DJFXB15'1 A5912USA 2222 03/07 INEB CLUB LEGENDARY DOM BAYARD DOM $103.83 61 A7012DOM 2222 03/07 03/07 POLY CLEANERS SAN JOSE CA $21 00 K3189130 61 A7216USA 2222 03/07 03/07 LUCKY h766 SAN JOSE SAN JOSE CA $ 56.67 03/02 OFFER 04 PROMOTIONAL APR ENDED 03/01/17 .$17,028 95 00000000 72 0000 && Visit Ba.corn/Badvantaqe to redeem miles, book flights Bnd much more Amencan Airlines reserves the nght to change the AAdvantagee program and its terms and conditions at any time without notice, and to end the AAdvantage program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer do not count toward elite- status qualification or Million MilerSM status Amencan Airfmes is not responsible for products or serwces offered by other participating compames. For complete details about the AAdvantage program, wait www,aa,corn/aadvantage American Airhnes, AAdvantage and AAdvantage Million Miler are trademarks of American Airlines, inc. TLVYFBML 61 A5411USA 2222 03/08 W*HSHBML 03/08 LUCKY u766 SAN JOSE SAN JOSE CA 61 A5411USA 2222 03/12 03/12 SAFEWAY STORE 00030957 SAN JOSE CA $39.90 $102.88 27GZPSD6 03/I 4 HH2HLPBL 61 A5411USA 2222 03/14 AUTOPAY/DISH NTWK 08003333474 CO 61 A4899USA 2222 581.24 03/15 03/15 Spotify USA New York NY $14.99 WFPCY2TP 03/17 YL3KBYRO 03/17 61 A4899USA 2222 03/17 DOC'5 ENTERPRISES 07023731241 NV 61 A5969USA 2222 03/17 DOC'5 ENTERPRISES 07023731241 NV $49.50 $49.50 WV3KBYRO 61 A5969USA 2222 00000000 03/02 OFFER 04 MOVED TO STANDARD PURCH 64 0000 $17,028.95 Fees charqed Total fees charged in this billing period SO.OO Interest charqed Date Descnption 03/23 INTEREST CHARGED TO STANDARD PORCH Amount $147.53 00000000 84 0000 03/23 INTERES I CHARGED TO OFFER 004 $ 5.58 00000000 84 0000 Total interest charged in this billing period $153.11 021 www.citicards.corn LUIS 0 GONZALES Customer Service I-888-766-CITI(2484) TTV-he*rinn-impaired services only 1-800 325-2865 Page 3 of 3 2017 totals year-to-date Total fees charged in 2017 Total interest charged in 2017 $0.00 $ 214.14 Interest charge calculation Days in billing cycle: 28 Your Annual Percentage Rate (APR) is the annual mierest rate on your account. Balance type Annual percentage Balance subject rate (APR) to interest rate Interest charge PURCHASES Standard Purch 13.99% (V) S13,746.47 (D) $147.53 Standard Adv 25.99% (V) Offer 4 1.99% (Promotional Rate Expired 03/01/17) ADVANCES $ 3,653 94 (D) $5.58 $ 0.00 (D) $0.00 your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed by (V) may vary. Balances followed by (D) are determined by the daily balance method Onciuding current transactions&. An offer has expired. For each expired offer, this month's statement shows a corresponding debit and credit transaction to move the remaining offer balance to the standard APR for purchases. Individual transactions made before offer expiration may also have corresponding debit and credit transactions if the transaction was received by us after the expiration date. Account messages Remember, any charges above your revolving credit limit MUST BE PAID IN FULL by your statement's payment due date. 022 SITE:KC-CL TM:CO-5000 ACID:IR86450 06/06/20 IU54:22 LUIS C GONZALES Member Since1990 Account number ending in: 2508 Billing Period: 03/24/17-04/25/17 www.citicards.corn Customer Service I-888-766-CITI12484) TTY-heanng impaired services only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 APRiL STATEMENT Minimum payment due: New balance as of 04/25/17: Payment due date: $402.96 $17,863.78 05/21/17 Late Payment Warning:If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 37 and your APRs may be mcreased up to the variable Penafty APR of 29.995k Account Summary Prewous balance Payments Credits Purchases Cash advances Fees Interest New balance $17,635.12 -$646.20 -$0.00 +$649.90 +$0.00 +$0.00 +$224.96 $17,863.78 Minimum Payment Warning:If you make only the minimum payment each penod, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional I You will pay off the And you will end up charges using this card I balance shown on this paying an estimated and each month you pay...'statement m about... total of... Credit Limit Revolving Credit limit Includes 58,700 cash advance limit Available Revolving credit Includes $ 636 available for cash advances $18,500 $ 636 Only the minimum payment 28 year(s) $ 37,582 $21,960 $610 3 year(s) (Savings=$15,622) For information about credit counseling services, cali 1-877-337 8187. AAdvantage Miles Earned this period: 650 Minimum payment due New balance Payment due date $402.96 $17,863.78 05/21/17 Amount enclosed: Account number ending in Z508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148.2168 CITI CARDS PO BOX 78045 Phoemx, AZ 85062-8045 023 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI(2484) TTY-heannn-imoaired services only 1-800-325-2865 Page 2 of 3 Account Summary Trans. Post date date Description Payments, Credits and Adjustments 04/15 ONLINE PAYMENT, THANK YOU 000070 OOOOUS Amount -$ 646.20 AADVANTAGEe MILES EARNED THIS PERIOD: 650 650Purchase Accumulated This Period 650 Standard Purchases 04/06 04/06 DTV*DIRECTV SERVICE 800.347.3288 CA 5198.19 LJ8*7500 61 A4899USA 2222 04/09 04/09 DOC'5 ENTERPRISES 07023731241 NV XW6QHXRO 61 A5969USA 2222 04/09 04/09 DOC'5 ENTERPRISES 07023731241 NV $30.00 $ 30.00 BPCQHXRO 04/09 61 A5969USA 2222 04/09 SAFEWAY STORE 00018242 5 LAKE TAHOE CA $30.00 D9CHLSD6 61 A5411USA 2222 04/11 F63YLFBL 04/I 2 04/11 AU'FORAY/DISH NTWK 08003333474 CO 61 A4899USA 2222 04/12 USA'USA*AMI MUSICBOX MALVERN PA $ 81.24 $ 5 00 1D61T700 61 A7994USA 2222 04/12 04/12 SJ MERCURY NEWS CIRCUL 8008706397 CO $36.65 BPT470MJ 61 A596BUSA 2222 04/16 04/16 Spotify USA New York NY $14.99 SVBLO2TP 61 A4899USA 2222 )& Visit Ba.corn/Badvantage to redeem mifes, book flights Bnd much more Amencan Airlines reserves the nght to change the AAdvantagee program and its terms and conditions at any time without notice, and to end the AAdvantage program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer do not count toward elite- status qualification or Million MiierSM status. American Airhnes is not responsible for products or services offered by other participating companies. For complete details about the AAdvantage program, visit www.aa.com/aadvantage Amencan Airhnes, AAdvantaqe and AAdvantage Million Miler are trademarks of Amencan Airhnes, Inc. 04/19 D643JYRO 04/19 04/19 DOC'5 ENTERPRISES 07023731241 NV 61 A5969USA 2222 04/19 DOC'5 ENTERPRISES 07023731241 NV $ 30.00 $ 30.00 H J'3JYRO 61 A5969USA 2222 04/22 04/22 WEB CLUB LEGENDARY DOM BAYARD DOM $103.83 X7 H 8915* 61 A7012DOM 2222 04/23 04/23 DOC'5 ENTERPRISES 07023731241 NV $ 30.00 B*NIZVRO 04/23 61 A5969USA 2222 04/23 DOC'5 ENTERPRISES 07023731241 NV $ 30.00 PNMIZVRO 61 A5969USA 2222 Fees charged Total fees charqed in this billing period So.oo Interest charged 0 t D - dript on 04/25 INTEREST CHARGED TO STANDARD PURCH Amo" nt 5224.96 00000000 84 0000 Total interest charqed in this billing period $224.96 2017 totals year-to-date Total fees charqed in 2017 Total interest charged in 2017 $0.00 $439.10 024 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI(2484) TT Y-hi annn-imnaired services only 1-800-325-2865 Page 3 of 3 Interest charqe calculation Days in bilhng cycle: 33 Your Annual Percentage Rate (APR) is the annual mterest rate on your account Balance type PURCHASES Standard Purch ADVANCES Standard Adv Annual percentage Balance subject rate (APR) to interest rate Interest charge 13.99% (V) $ 17,785.03 (D) $ 224.96 25.99% (V) $0.00 (D) $0.00 Your Annual Percentage Rate (APR) is the annual mterest rate on your account. APRs followed by (V) may vary. Balances followed by (D) are determined by the daily balance method (inciudmg current transactions) Account messaqes Remember, any charges above your revolving credit limit MUST BE PAID IN FULL by your statement's payment due date. 025 SITE:XC-CL TM:CO-5000 ACID:IR86450 06/06/20 ih54;22 LUIS C GONZALES Member Since 1990 Account number ending in: 2508 Billing Penod: 04/26/17-05/23/17 www.citicards.corn Customer Service 1-888-766-C IT)&2484) TTY-heanng-impaired services only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 MAY STATEMENT Minimum payment due: New balance as of 05/23/17: Payment due date: $ 377.15 $18,177.54 06/21/17 Late Payment Warningiif we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 37 and your APRs may be increased up to the variable Penalty APR of 29 99%. Minimum Payment Warning:If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance Credit Limit Revolving Credit limit Includes $ 8,700 cash advance limit $ 17,863.78 -$535.25 -$0.00 +$652.86 +$ 0.00 +$ 0.00 +$196.15 $18,177.54 $18,500 If you make no additional charges using this card and each month you pay, you will pay off the balance shown on this statement in about... And you will end up paying an estimated total of... Available Revolving credit $322 Includes $322 available for cash advances Only the mmimum payment 29 year(s) $38,289 $ 621 3 year(s) $ 22,356 (Savings=$15,933) For information about credit counselino serwces, cali I-B77-337-8187 AAdvantage Miles Earned this period: 653 Minimum payment due New balance Payment due date $377.15 $18,177.54 06/21/17 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148-2168 CITI CARDS PO BOX 78045 Phoenix, AZ 85062.8045 026 www.citicards.corn LUIS 0 GONZALES Customer Service I-888-766-CI Tl(2484) TTY-hearinnnmoaired services only 1-800-325-2865 Page 2 of 3 Account Summary Trans Post date date Descnption Payments, Credits and Adjustments 05/19 ONLINE PAYMENT, THANK YOU 70 OOOOUS 0000 Amount -$535.25 AADVANTAGEe MILES EARNED THIS PERIOD: 653 Purchase 653 Accumulated This Period 653 Standard Purchases 04/24 04/26 DOC'5 ENTERPRISES 07023731241 NV $90.00 KR743WRO 61 A5969USA 2222 05/02 05/02 DOC'5 ENTERPRISES 07023731241 NV S30.00 XW3NCXRO 61 A5969USA 2222 BH3NCXRO 61 A5969USA 2222 05/03 05/03 DOC'5 ENTERPRISES 07023731241 NV $ 30.00 3*3NCXRO 61 A5969USA 2222 05/05 05/05 SJ MERCURY NEWS CIRCUL 8008706397 CO $10.00 HBSF27MJ 05/05T*FF915'1 A5968USA 2222 05/05 WEB CLUB LEGENDARY DOM BAYARD DOM $103.83 61 A7012DOM 2222 05/06 05/06 DTV DIRECTV SERVICE 800-347.3288 CA $197.65 77W5WVOO 61 A4899USA 2222 05/06 05/06 DOC'5 ENTERPRISES 07023731241 NV $35.00 05/02 05/02 DOC'5 ENTERPRISES 07023731241 NV $ 30.00 1& Visit aaf.corn/aadivehtage to redeem miles, boo(( flights and much move American Airlines reserves the nght to change the AAdvantagea program and its termsand conditions at any time without notice, and to end the AAdvantagee program with sw months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer do not count toward cote- status qualification or Milhon MilerSM status. Amencan Airlines is not responsible for products or services offered by other participating companies. For complete delads about the AAdvantage program, visit www aa corn/aadvantage Amencan Airhnes, AAdvantage and AAdvantage Million Miler are trademarks of Amencan Airhnes, Inc. 9W35SXRO 61 A5969USA 2222 05/09 05/09 DOC'5 ENTERPRISES 07023731241 NV $15.00 MT63ZXRO 05/I 2 02 86YRO 61 A5969USA 2222 05/12 DOC'5 ENTERPRISES 07023731241 NV 61 A5969USA 2222 $15. 00 05/16 05/16 Spotify USA New York NY $14.99 47FC32TP 61 A4899USA 2222 05/21 89KTLFBL 05/21 AUTOPAY/DISH NTWK 08003333474 CO 61 A4899USA 2222 $ 81.39 Fees charged Total fees charged in this billing period SO.OO Interest charged Date Descnption Amount 05/23 INTEREST CHARGED TO STANDARD PORCH $1 96.15 00000000 84 0000 Total interest charged in this billing period $196.15 2017 totals year-to-date Total fees charged in 2017 Total interest charged in 2017 $0.00 $635.25 interest charge calculation Days m billing cycle 28 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Balance type Annual percentage Balance subject rate (APR) to interest rate Interest charge PURCHASES Standard Purch 13.99% (V) S18.276 33 (D) $196.153 027 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-C IT I(2484) TTV-he*rino-impaired services only 1-800-325-2865 Page 3 of 3 Interest charge calculation, contrd Balance type ADVANCES Standard Adv Annual percentage Balance subject rate (APR) to interest rate Interest charge 25 99% (V) 50 00 (D) 50 ODJ Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed by (V) may vary. Balances followed by (D) are determined by the daily balance method (mcluding current transactions) Account messages Remember, any charges above your revolwng credit limit MUST BE PAID IN FULL by your statement's payment due date. 028 SITE:KC-CL TM:C0-5000 ACID:IR86450 06/06/20 ID54:22 LUIS C GONZALES Member Since1990 Account number ending m: 2508 Billing Pen od: 05/24/17-06/23/17 JUNE STATEMENT Minimum payment due: New balance as of 06/23/17: Payment due date: $ 641.38 $18,732.56 07/21/1 7 Late Payment Warning:If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 37 and your APRs may be increased up to the variable Penalty APR of 29.99%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance $18,177.54 -$803.54 -$0.00 +$1,136.74 +$0.00 +$0.00 +$221.82 $18,732.56 www.citicards.corn Customer Service I-888-766-C IT)(2484) TTY-heanngnmpaired serwces only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 You are over your credit limit. Please pay at least the minimum payment due, which includes an overlimit amount of $ 232.56. If you make no additional charges using this card and each month you pay... You will pay off the And you will end up balance shown on this paying an estimated statement in about... total of... Credit Limit Revolwng Credit limit Includes $ 8,700 cash advance limit $ 18,500 Only the minimum payment 29 year(s) $39,568 $ 642 , 3 year(s)J 523,112 (Savings=516,456) For information about credit counseling services, call 1-877-337-8187 AAdvantage Miles Earned this penod: Minimum payment due New balance Payment due date $641.38 $18,732.56 07/21/17 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 33871HRIFT PL SAN JOSE CA 95148-2168 CITI CARDS PO BOX 78045 Phoemx, AZ 85062-8045 029 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITH2484) TTY-he*rino-imnaired serwces only 1-800-325-2865 Page 2 of 3 Account Summary Trans. Post date date Descnption Payments, Credits and Adjustments 06/10 ONLINE PAYMENT, THANK YOU 70 OOOOUS 0000 JPRNGQMJ 06/05 61 A5968USA 2222 06/05 DOC'5 ENTERPRISES 07023731241 NV H4MYOYRO 61 A5969USA 2222 06/06 06/06 DTV'DIRECTV SERVICE 800.347-3288 CA BZLIV700 61 A4899USA 2222 06/11 06/11 AUTOPAY/DISH NTWK 08003333474 CO *KLN*ZBL 61 A4899USA 2222 06/12 06/12 DOC'5 ENTERPRISES 07023731241 NV YDQ9WVRO 06/12 NCY5KJYL 61 A5969USA 2222 06/12 FRESCO WORL ~ MARKET SAN JOSE CA 61 A5411USA 2222 06/13 06/13 LUCKY h766 SAN JOSE SAN JOSE CA MX9DGBML 61 A5411USA 2222 06/14 06/14 DOC'5 ENTERPRISES 07023731241 NV Standard Purchases 05/30 05/30 SJ MERCURY NEWS CIRCUL 8008706397 CO Amount -$ 803.54 $10.00 $30.00 $197.65 $ 81.39 $30.00 $74.00 $ 21 95 $30.00 AADVANTAGEe MILES EARNED THIS PERIOD: 1,137 Purchase Accumulated This Period 1,137 1,137 » Visit Ba.corn/aadvantafje to redeem miles, book fljfihts and much more American Airhnes reserves the right to change the AAdvantagea program and its terms and condihons at any time without notice, and to end the AAdvantage program with six months notice Any such changes may affect your ability to use the awards or mileage credits that you have accumulated Unless specified, AAdvantage miles earned through this promotion/offer do not count toward elite- status qualification or Million MilerSM status. Amencan Airlines is not responsible for products or services offered by other participating companies. For complete details about the AAdvantage program, visit www aa corn/aadvantage American Airlmes, AAdvantage and AAdvantage Million Miler are trademarks of Amencan Airlines, Inc 26HNR3TO 61 A5969USA 2222 06/14 06/14 WE ~ CLUB LEGENDARY DOM BAYARD DOM R3NV915* 61 A7012DOM 2222 $ 1 03.83 06/14 4YHOF716 06/14 06/14 LEWIS 6 LEKIIS INSURANC 08009666830 CA 61 A6300USA 2222 06/14 LUCKY h766 SAN JOSE SAN JOSE CA $ 201. 54 $ 42.16 W5QCJBML 61 A5411USA 2222 06/15 06/15 AUTO PRIDE CAR WASH SAN JOSE CA $ 21. 99 D61HHGBR 06/I 5 DBIZ JBML 61 A7542USA 2222 06/15 LUCKY b766 SAN JOSE SAN JOSE CA 61 A5411USA 2222 $68.98 06/16 06/16 Spotify USA New York NY 6WS9K4TP 61 A4899USA 2222 $14.99 06/16 19HTVSOH 06/17 06/16 WALGREENS ti3445 SAN JOSE CA 61 A5912USA 2222 06/17 DOC'5 ENTERPRISES 07023731241 NV $23.81 $30 00 CR6TL&YRO 61 A5969USA 2222 06/i7 06/i7 THE HOiViE DEPOT ii6672 SAig JOSE CA WC9YNF90 61 A5ZOOUSA 2Z22 $ 12 ii45 06/19 06/19 DOC'5 EN1 ERPRI5ES 07023731241 NV $30.00 N7MNPWRO 61 A5969USA 2222 Fees charged Total fees charged in this billing period $0.00 Interest charged Date Descnption 06/23 INTEREST CHARGED TO STANDARD PORCH Amount $221 82 00000000 84 0000 Total interest charged in this billing period $ 221.82 030 www.citicards.corn LUIS C GONZALES Customer Service 1-888-766-CI Tl(2484) TTY hearinn-imoaired serwces only 1-800 325 2865 Page 3 of 3 2017 totals year-to-date Total fees charged in 2017 Total interest charged in 2017 SO.OO $887,07 Interest charge calculation Days in billing cycle:31 Your Annual Percentage Rate (APR) is the annual mterest rate on your account Balance type Annual percentage Balance subject rate (APR) to interest rate Interest charge PURCHASES Standard Purch ADVANCES 14.24% (V) $18,342.79 (D) $ 221.82 Standard Adv 26.24% (V) $0.00 (D) $ 0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed by (v) may vary Balances fouowed by (0) are determined by the daily balance method (including current transactions) Account messages Remember, any charges above your revolving credit hmit MUST BE PAID IN FULL by your statement's payment due date. The minimum payment due displayed on this statement includes your past due, the purch/adv minimum payment due, and transactions that exceed your revolwng credit line 031 SI7E:KC-CL TM:C0-5000 ACID:IRB6450 06/06/20 Ih54:22 LUIS C GONZALES Member Since 1990 Account number ending in'508 Billing Period; 06/24/17-07/25/17 JULY STATEMENT Minimum payment due: New balance as of 07/25/17: Payment due date: S 506.37 S18,638.62 08/21/17 Late Payment Warning:If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 37 and your APRs may be increased up to the variable Penalty APR of 29.99% Minimum Payment Warningiif you make only the mmimum payment each penod, you will pay more in interest and it will take you longer to pay off your balance. For example: Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance $18,732.56 .$19,986.37 .$0.00 +$19,710.68 +$ 0.00 +$0.00 +$181.75 $18,638.62 www.citicards.corn Customer Service I-888-766-CITI(2484) TTY-hearing-impaired services only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 You are over your credit limit. Please pay at least the minimum payment due, which includes an overlimit amount of $138.62. If you make no additional charges using this card and each month you pay... you will pay off the And you will end up balance shown on this paying an estimated statement in about..., total of... Credit Limit Revolving Credit limit Includes $8,700 cash advance limit $18,500 Only the minimum payment 29 year(s) $39,520 $639 3 year(s) $ 23,004(Savmgs=$16,516) For information about credit counseling serwces. call 1-877 337-8187 AAdvantagee) Miles Earned this penod: Minimum payment due New balance Payment due date $506.37 $18,638.62 08/21/17 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 33871HRIFT PL SAN JOSE CA 95148.2168 CITI CARDS PO BOX 78045 Phoenix, AZ 85062-8045 032 www.citicards.corn LUIS C GONZALES Customer Service 1-888.766-CITI(2484) TI Y-heannn-imoaired serwces only 1-800-325-2865 Page Z of 3 Account Summary Trans. Postclair'ate Descnption Payments, Credits and Adjustments 06/29 ONLINE PAYMENT, THANK YOU 70 0000US 0001 07/05 ONLINE PAYMENT, THANK YOU 70 OOOOUS 0000 07/11 ONLINE PAYMENT, THANK YOU 70 OOOOUS 0000 07/15 ONLINE PAYMENT, THANK YOU 70 OOOOUS 0000 Standard Purchases 07/03 07/03 DOC'5 ENTERPRISES 07023731241 NV BBTQ9YRO 07/03 INKQ9YRO 61 A5969USA 2222 07/03 DOC'5 ENTERPRISES 07023731241 NV 61 A5969USA 2222 07/05 07/05 DOC'5 ENTERPRISES 07023731241 NV XVZ3KYRO 61 A5969USA 2222 BH7YQQD2 07/06 V96YFQX2 07/06 61 A7311USA 2222 07/06 DTV" DIRECI V SERVICE 800-347-3288 CA 61 A4899USA 2222 07/06 SAN FRAN 219ERS 415 464-9377 CA 07/06 07/06 SJ MERCURY NEWS CIRC 04089205000 CA Amount -$18,732.56 -$ 82.00 -$ 835.44 .$336.37 $40.00 $42 00 $15.00 $10.00 $248.32 $1 8, 562.12 AADVANTAGEe MILES EARNED THIS PERIOD: 19,711 Purchase 19,711 Accumulated This Period 19,711 » Visit Ba.corn/Baclvantagp to redeem miles, booK flights and much more Amencan Airlines reserves the right to change the AAdvantager-'1 program and its termsand conditions at any time without notice, and to end the AAdvantageO'rogram with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer do not count toward elite- status qualification or Million MiierSM status. Amencan Airhnes is not responsible for products or services offered by other participatmg companies. For complete details about the AAdvantage program, visit www.aa corn/aadvantage Amencan Airlines, AAdvantage and AAdvantage Million Miler are trademarks of American Airlines, Inc. SZCNKQX2 61 A7922USA 2222 07/12 07/12 WEB CLUB LEGENDARY DOM BAYARD DOM BGHH115* 61 A7012DOM 2222 $103.83 07/I 2 NCJ42RBL 07/13 4LNR20Y2 07/12 AU10PAY/DISH NTWK 08003333474 CO 61 A4899USA 2222 07/13 AGI*MOOSE EA+ 8003957881 CA 61 A5960USA 2222 $88.54 $144.00 07/16 07/16 Spotify USA New York NY $14.99 ZD35431P 61 A4899USA 2222 07/16 07/16 SAN FRAN 49ERS 415 464-9377 CA $ 441.88 9FK5NZX2 61 A7922USA 2222 Fees charged Total fees charged in this billing period $0.00 Interest charged Date Descnption 07/25 INTEREST CHARGED TO STANDARD PORCH 00000000 84 0000 Total interest charged in this billing period Amount $181.75 $ 181.75 2017 totals year-to-date Total fees charged in 2017 1 otal interest charged in 2017 SO.OO $ 1,038.82 033 www.citicards.corn LUIS 0 GONZALES Customer Service I-888-766-CITI(2484) TTY-he annn-imaaired services only 1-800-325-2865 Page 3 of 3 Interest charge calculation ~ ays m billing cycle 32 Your Annual Percentage Rate (APR) is the annual interest rate on year account Balance type Annual percentage Balance subject rate (APR) to interest rate Interest charge PURCHASES Standard Purch ADVANCES 14,24v/v (V) $14,559 28 (D) $181.75 Standard Adv 26.24'/o (V) $ 0.00 (D) $ 0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed by (V) may vary. Balances fallowed by (D) are determined by the daily balance method (including current transactions). Account messages Reminder: Verify your account transactions If you contacted Customer Serwce regarding an issue with your account, please review your statement to confirm that all your transactions were processed correctly. If you have any questions, visit «iti.corn or call the number on the back of your card. Citi's telecommunication number for heanng- and speech-impaired customers is located on your billing statement and in the "Contact Usv section on citi.corn. Remember, any charges above your revolving credit limit MUST BE PAID IN FULL by your statement's payment due date. The minimum payment due displayed on this statement includes your past due, the porch/adv minimum payment due, and transactions that exceed your revolving credit line. Your account has an annual membership fee of $95.00 which will appear on your next billing statement. Variable rates vary with the market based on the U.S. Prime Rate The variable Penalty APR (which is based on your creditworthiness) may apply if you make a late payment or a payment that is returned. If it is applied, it will stop applying to existing balances if you make the next six consecutwe minimum payments when due. However, it may apply to new transactions indefmiteiy. See back for important information. 034 SITE:KC-CL TM:C0-5000 ACID:IRB6450 06/06/20 Ik54:22 LUIS C GONZALES Member Since 1990 Account number ending m: 2508 Billing Period: 07/26/17-08/23/17 www.citicards.corn Customer Service I-888-766-CITI(2484) TTY-heanng impaired services only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 AUGUST STATEMENT Minimum payment due: New balance as of 08/23/17: Payment due date: $ 505.92 $18,613.90 09/21/1 7 Late Payment Warnings If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 37 and your APRs may be increased up to the vanable Penalty APR of 29.99%. Minimum Payment Warning:If you make only the minimum payment each pened, you will pay more in interest and it will take you longer to pay off your balance. For example: Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance $18,638 62 -$838.38 -$0.00 + $ 512.64 +$ 0.00 +$95.00 +$206.02 $18,613.90 You are over your credit limit. Please pay at least the minimum payment due, which includes an overlimit amount of $113.90. If you make no additional charges using this card and each month you pay... You will pay off the balance shown on this statement in about... And you will end up paying an estimated total of... Credit Limit Revolving Credit limit Includes $ 8,700 cash advance limit $18,500 Only the minimum payment 29 year(s) $ 39,473 $ 638 3 year(s) $ 22,968 (Savings=$16,505) For information about credit counseling serwces, call I-B77-337-BIB7 AAdvantage Miles Earned this penod: 513 Minimum payment due New balance Payment due date $505.92 $18,613.90 09(21I17 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 3387 THRIF1 PL SAN JOSE CA 95148-2168 CITI CARDS PO BOX 78045 Phoenix, AZ 85062-8045 035 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI(2484) TTY-hi *nnn-imoaired services only 1-800-325-2865 Page 2 of 3 Account Summary Trans date Post date Descnption payments, Credits and Adjustments 08/07 ONLINE PAYMENT, THANK YOU 70 OOOOUS 0000 Amount -5 673 91 AADVANTAGEO MILES EARNED THIS PERIOD: 513 Purchase 513 Accumulated This Period 513 08/08 ONLINE PAYMENT, THANK YOU -$164. 47 70 OOOOUS 0000 Standard Purchases 07/25 07/26 CABO BBQ LOS CABOS BCS MEX 3SPR6500 61 A5812MEX 2222 447.20 MEXICAN PESO $25.29 07/28 15045QD2 08/05 BXWR115* 61 A7012DOM 2222 08/06 08/06 DTV*DIRECTV SERVICE 800-347-3288 CA 4DXX4FX2 61 A4899USA 2222 $ 260 64 08/11 GLXW9GBL 08/I 6 BDYOH6TP 08/11 AUTOPAY/DISH NTWK 08003333474 CO 61 A4899USA 2222 08/16 Spotify USA New York NY 61 A4899USA 2222 $87 89 $14 99 07/28 SJ MERCURY NEWS CIRC 04089205000 CA $10.00 61 A7311USA 2222 08/05 WEB CLUB LEGENDARY DOM BAYARD DOM $103.83 )) Visit Ba.corn/aadvantage to redeem miles, book fji(jhts and fnuch more Amencan Airlines reserves the nght to change the AAdvantage program and its terms and conditions at any time without notice, and to end the AAdvantageO" program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer do not count toward elite- status qualification or Million MilerSM status. Amencan Airlines is not responsible for products or serwces offered by other participatmg companies For complete details about the AAdvantage program, wait www.aa corn/*advantage Amencan Airlines, AAdvantage and AAdvantage Milhon Miler are trademarks of Amencan Airlines, Inc. 08/21 XK1NQQD2 08/21 SJ MERCURY NEWS CIRC 04089205000 CA $10.00 61 A7311USA 2222 Fees charqed Date Descnption 08/23 MEMBERSHIP FEE AUG17-JUL 18 00000000 74 0000 SEE REVERSE FOR MORE RENEWAL INFORMATION Total fees charged in this billing period Amount S95.00 $ 95.00 Interest charged Date Description Amount 08/23 INTEREST CHARGED TO STANDARD PURCH $206.02 00000000 84 0000 Total interest charged in this biliinq period $206.02 2017 totals year-to-date Total fees charged in 2017 $95.00 Total interest charged in 2017 $1,244.84 c Interest charqe calculation Days in billing cycle: 29 Your Annual Percentage Rate (APR) is the annual mterest rate on your account. Annual percentage Balance subject Balance type rate (APR) to interest rate Interest charge PURCHASES Standard Purch ADVANCES Standard Adv 14.24% (V) $18,211.8 (D) $206.02 26.24% (V) $0 00 (D) $ 0 00 036 www.citicards.corn LUIS C GONZALES Customer Service I "888.766-CIT I(2484) TTY-hr annn-impaired services only 1-800-325-2865 Page 3 of 3 Your Annual Percentage Bate (APR) is the annual interest rate on your account. APRs followed by (V) may vai y. Balances followed by (0) are determined by the dmly balance method (including current transactions) Account messaqes Remember, any charges above your revolwng credit limit MUST BE PAID IN FULL by your statement's payment due date. The minimum payment due displayed on this statement includes your past due, the porch/adv minimum payment due, and transactions that exceed your revolving credit line. 037 SITE:kc-CL TM:CO-5000 ACID:IRB6450 06/06/20 ID54;22 LUIS C GONZALES Member Since 1990 Account number ending in: 2508 Billing Period: 08/24/'17-09/25/17 www.citicards.corn Customer Service I-888-766-C IT((2484) TTY-heanng-impaired services only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 SEPTEMBER STA'TEMENT Minimum payment due: $419.68 New balance as of 09/25/17: $18,247.65 Payment due date: 10/21/17 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 37 and your APRs may be increased up to the vanabie Penalty APR of 29.99'/o, Minimum Payment Warning:Ii you make only the minimum payment each penod, you will pay more in interest and it will take you longer to pay off your balance. For example: Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance Credit Limit Revolvmg Credit limit Includes $ 8,700 cash advance limit $18,613,90 .$1,141.25 .$0.00 +$537 32 +$0.00 +$0.00 +$237.68 $18,247.65 $18,500 Ifyoumake no additional ] You wifl payoff the charges using this card, balance shown on this and each month you pay... I statement in about... Only the minimum payment 29 year(s) And you will end up paying an estimated total of... 538,761 Available Revolving credit Includes $ 252 available for cash advances $ 252 $626 , 3 year(s) 522,536(Savings=$16,225) For mformation about credit counseling services, call1877 337-6187 AAdvantage Miles Earned this period 537 Minimum payment due New balance Payment due date $419.68 $18,247.65 10/21/17 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148-2168 CITI CARDS PO BOX 78045 Phoenix, AZ 85062.8045 038 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI(2484) TTY-hnannnnmoaired services only 1-800-325-2865 Page 2 of 3 Account Summary Trans. Post date date Descriphon Payments, Credits and Adjustments 09/08 ONLINE PAYMENT, THANK YOU 70 OQQQUS 0000 Amount -$ 800.00 AADVANTAGEo MILES EARNED THIS PERIOD: 537 Purchase Accumulated This Period 537 537 09/10 ONLINE PAYMENT, THANK YOU -$238.37 70 OOOOUS 0000 09/13 ONLINE PAYMENT, THANK YOU -$ 87.89 70 OQOQUS 0000 09/19 ONLINE PAYMENT, THANK YOU -$14.99 70 QOOOUS 0000 Standard Purchases 08/2 8 08/28 DOC'5 ENTERPRISES 07023731241 NV $ 30.00 6RKTGXRO 61 A5969USA 2222 08/28 08/28 DOC'5 ENTERPRISES 07023731241 NV HWSTGXRO 61 A5969USA 2222 $30.00 09/05 OL82215 09/06 09/06 DTV DIRECTV SERVICE 800-347-3288 CA $260.64 F6Q496X2 09/11 61 A4899LISA 2222 09/11 AUTOPAY/DISH NTWK 08003333474 CO $ 87. 89 09/05 WEB CLUB LEGENDARY DOM BAYARD DOM $103. 83 61 A7012DOM 2222 » Visit Ba.con)/aadventage to redeem miles, book flights snd much more Amencan Airlines reserves the right to change the AAdvantagee program and its termsand conditions at any time without notice, and to end the AAdvantageD" program with six months notice Any such changes may affect your ability to use the awards or mileage credits that you have accumulated Unless specified, AAdvantage miles earned through this promotion/offer do not count toward elite- status quakfication or Million MilerSM status. Amencan Airlines is noi responsible for products or services offered by other participating companies. For complete details about the AAdvantage program, visit www.aa.corn/aadvantaqe American Airlines, AAdvantage and AAdvantage Million Miler are trademarks of Amencan Airlines, Inc. RF57RBBL 09/16 LMCYKITP 61 A4899USA 2222 09/16 Spotify USA New York NY 61 A4899USA 2222 $14.99 09/21 PS7D5QD2 09/21 SJ MERCURY NEWS CIRC 04089205000 CA $9.97 61 A7311USA 2222 Fees charged Total fees charged in this billing period SO.OO Interest charged Date Descnption 09/25 INTEREST CHARGED TO STANDARD PURCH 00000000 84 0000 Total interest charqed in this billinq period Amount $ 237.68 $237.68 2017 totals year-to-date Total fees charged in 2017 Total interest charged in 2017 $95.00 $1,482.52 Interest charge calculation Days m bdlmg cycle 33 Your Annual Percentaqe Rate (APR) is the annual interest rate on your account Balance type PURCHASES Annual percentage Balance subject rate (APR) to interest rate Interest charqe Standard Purch 14.24% (V) $18,462.96 &D) $237. 68 ADVANCES Standard Adv 26.24% (V) $ 0.00 (D) $ 0.00 Your Annual Percentage Rate (APR) is the annual mterest rate on your account. APRs followed by &V) may vary, Balances followed by (D) are determined by the daily balance method (mcludmg current transactions) 039 www.citicards.corn LUIS C GONZALES Customer Service 1-888.766.CITI(2484) TTV-heannc-imoaired serwces only 1-800-325-2865 Page 3 of 3 Account messages The American Red Cross is accepting donations to support their work in providing shelter, food, emotional support and other assistance in response to disasters. Visit www.redcross.org, call I-BOO-RED-CROSS, or text REDCROSS to 90999 to make a $ 10 donation. Citi Thankyou Rewards members can also use their points to make a donation to the Amencan Red Cross at www.thankyou.corn, Contributions may also be sent to your local American Red Cross chapter or to the American Red Cross, P.O. Box 37243, Washington, D.C. 20013. Remember, any charges above your revolving credit limit MUST BE PAID IN FULL by your statement's payment due date. 040 SITE:KC-CL Tia:CO.SOOO ACID:IRB6450 06/06/20 ID54;22 LUIS C GONZALES Member Since 1990 Account number ending in: 2508 Billing Period: 09/26/17-10/24/17 www.citicards.corn Customer Service I-888-766-C IT)(2484) TTY-heanng-impaired serwces only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 OCTOBER STATEMENT Minimum payment due: New balance as of 10/24/17: Payment due date: $388.97 $18,194.97 11/21/17 Late Payment Warning: If we do not receive your minimum payment by the date hated above, you may have to pay a late fee of up to $ 37 and your APRs may be increased up to the variable Penalty APR of 29.99%. Minimum Payment Warningiif you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. Far example: Account Summary Prewous balance Payments Credits Purchases Cash advances Fees Interest New balance Credit Limit Revolving Credit limit Includes 58 700 cash advance limit $ 18,247.65 -$600.15 -$0.00 +$339.50 +$0.00 +$0.00 + $207.97 $18,194.97 $18,500 If you make no additional charges using this card and each month you pay... You will pay off the balance shown an this statement in about... And you will end up paying an estimated total of... Available Revolving credit Includes $ 305 available for cash advances $305 Only the minimum payment 29 year(s) $38,684 $624 3 year(s) $ 22.464 (Sawngs=$16,220) For mformation about credit counseling services, call I 877-337 8187. AAdvantage Miles Earned this period: 34Q Minimum payment due New balance Payment due date $388.97 $18,194.97 11/21/17 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 3387 ) HRIFT PL SAN JOSE CA 95148-2168 C I 7 I C A R D 5 PO BOX 78045 Phoenix, AZ 85062-8045 04( www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CI TI(2484) TTY-hearinn-imoatred serwces only 1-800-325-2865 Page 2 of 2 Account Summary Trans. Post date date Descnption Payments, Credits and Adjustments 10/17 ONLINE PAYMENT, 7HANK YOU 70 OOOOUS 0000 Amount -$ 600.15 AADVANTAGEo MILES EARNED THIS PERIOD: 340 Purchase Accumulated This Period 340 340 10/06 10/06 DTV'DIRECTV SERVICE 800-347-3288 CA $122.82 "X3RFJS5 61 A4899USA 2222 10/11 10/11 SJ MERCURY NEiNS CIRC 04089205000 CA $9.97 7KT42FD2 10/12 61 A7311USA 2222 10/IZ AUTOPAY/DISH NT1VK 08003333474 CO $ 87. 89 OP50628L 61 A4899USA 2222 10/16 10/16 Spotify USA New York NY $ 14.99 X66623TP 61 A4899USA 2222 Fees charged Total fees charged in this billing period $0.00 Interest charged Standard Purchases 10/05 10/05 yyEB CLUB LEGENDARY DOM BAYARD DOM $103.83 BOGB215" 61 A7012DOM 2222 1) Vlsl't Be.corn/aadventege to redeem miles, book flights and much more American Airlines reserves the nght to change the AAdvantagee program and its terms and conditions at any time without notice, and to end the AAdvantage program with stx months notice. Any such changes may affect your abihty to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer do not count toward ehte- status qualification or Million MilerSM status. American Airlines is not responsible for products or services offered by other participating companies For complete details about the AAdvantage program, wsit www.aa.corn/aadvantage Amencan Atriines, AAdvantage and AAdvantage Million Miler are trademarks of American Airhnes, Inc. Date Description Amount 10/24 INTEREST CHARGED TO STANDARD PURCH $ 207.97 00000000 84 0000 Total interest charged in this billing period $207.97 2017 totals year-to-date Total fees charged in 2017 $ 95.00 Total interest charged in 2017 $ 1,690.49 i Interest charge calculation Days in biilmg cycle: 29 Your Annual Percentage Rate IAPR) is the annual mterest rate on your account Balance type PURCHASES Annual percentage Balance subject rate (APR) to interest rate Interest charge Standard Purch ADVANCES 14 24'/o (I/) $18,383.47 (D) $207.97 Standard Adv Z6.24'/o (V) $ 0.00 (D) $ 0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed by (V) may vary. Balances followed by (D) are determmed by the daily balance method hncludmg current transactions) Account messages Remember, any charges above your revolwng credit limit MUST BE PAID IN FULL by your statement's payment due date. 042 SITE:KC-CL TM:CO-5000 ACID:IRB6450 06/06/20 n:54:22 LUIS C GONZALES Member Smce)990 Account number ending in 2508 Bilhng Penod:10/25/17-11/23/17 www.citicards.corn Customer Service I-888-766-CIT I(2484) TTY-hearing 4m paired se rvices only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 NOVEMBER STATEMENT Minimum payment due: New balance as of 11/23/17: Payment due date: $397.84 $18,385.53 12/21/17 Late Payment Warning:If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 37 and your APRs may be increased up to the variable Penalty APR of 29.99%. Minimum Payment Warning:If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance Credit Limit Revolving Credit limit Includes $ 8,700 cash advance limit $18,194.97 -$650.00 -$0,00 +$625.72 +$0.00 +$0.00 +SZ14.84 $18,385.53 $18,500 If you make no additional I You weal(pay off the charges using this card I balance shown on this and each month you pay..J statement in about... Only the mmimum payment 29 year(s) And you will end up aying an estimated ota I of... $ 39,090 Available Revolwng credit Includes SD4 available for cash advances $114 $ 631 3 year(s) $ 22,716 (Savings=$16,374) For information about credit counselmg services, can 1-877-337-8(87. AAdvantage Miles Earned this penod: 626 Minimum payment due New balance Payment due date $397.84 $18,385.53 12/21/17 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148-2168 CITICARDS PO BOX 78045 Phoenix, AZ 85062-8045 043 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI(2484) TTY-heannnumnaired serwces only 1-800-325-2865 Page 2 of 3 Account Summary Trans. Post date date Description Amount AADVANTAGEe MILES EARNED THIS PERIOD: Payments, Credits and Adjustments 11/09 ONLINE PAYMENT, THANK YOU 70 OOOOUS 0000 -$ 650.00 Standard Purchases 11/02 11/02 CLARK PEST CONTROL 209.368.7152 CA $159.19 BVJ*2SHQ 61 A7342USA 2222 11/06 11/06 DTV'DIRECTV SERVICE 800.347-3288 CA JSQ90FS5 61 A4899USA 2222 $ 249.85 11/08 11/08 SJ MERCURY NEWS CIRC 04089205000 CA $9.97 PLPCJQD2 61 A7311USA 2222 11/11 11/11 AUTOPAY/DISH NTWK 08003333474 CO 83D4FNBL 61 A4899USA 2222 $ 87.89 11/1 5 HQ M32TP 11/15 Spotify USA New York NY 61 A4899USA 2222 $14.99 Fees charged Total fees charged in this billing period SO.OO 11/04 11/04 WEB CLUB LEGENDARY DOM BAYARD DOM $103.83 TYLL215* 61 A7012DOM 2222 626 Purchase Accumulated This Period 626 626 » Vlsft aa,corn/Budvantage to redeem miles, book flights and much more Amencan Airlines reserves the riqht to change the AAdvantagea program and its terms and conditions at any time without notice, and to end the AAdvantagea program with srx months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer do not count toward elite- status qualification or Miihon MilerSM status American Airhnes is not responsible for products or services offered by other participating companies. For complete details about the AAdvantage program, visit www.aa.corn/aadvanta(Le Amencan Airlines, AAdvantage and AAdvantage Million Miler are trademarks of American Airhnes, Inc. Interest charged Date Description 11/23 INTEREST CHARGED TO STANDARD PURCH Amount $214.84 00000000 84 0000 Total interest charged in this billinq period I 2017 totals year-to-date Total fees charged in 2017 Total interest charqed in 2017 $95.00 $1,905.33 $ 214.84 I Interest charge calculation Days m biihng cycle;30 I Your Annual Percentage Rate (APR& is the annual mleresi rale on your account Balance tYPe PURCHASES Standard Purch '14 24% &V) $18 357 49 (0) $ 214 84 Annual percentage Balance subject rate (APR) to interest rate Interest charge ADVANCES Standard Adv 26.24% (V) $ 0 00 (D) $ 0 00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed by &V) may vary. Balances followed by (D) are determined by the daily balance method (mcludmg current transactions). 044 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI(2484) Tl Y-heanno-imoaired serwces only I 800-325 2865 Page 3 af 3 Account messages The American Red Cross is accepting donations to support their work in providing shelter, food, emotional support and other assistance in response to disasters. Visit www.redcross.org, call 1-800-RED-CROSS, or text REDCROSS to 90999 to make a SIO donation. Citi Thankyou Rewards members can also use their points to make a donation to the American Red Cross at www.thankyou.corn. Contributions may also be sent to your local American Red Cross chapter or to the Amencan Red Cross, P.O. Box 37243, Washington, D.C. 20013. Remember, any charges above your revolving credit limit MUST BE PAID IN FULL by your statement's payment due date. 045 SITEeXC.CL TM'C0-5000 ACID:IRB6450 06/06/20 lh54:22 LUIS C GONZALES Member Since)990 Account number ending in: 2508 Billinq Period:11/24/17-12/25/17 www.citicards.corn Customer Service I-888-766-C IT((2484) TTY-hearing-impaired set vices only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 DECEMBER STATEMENT Minimum payment due: New balance as of 12/25/17: Payment due date: $41 3.11 $18,231.11 01/21/1 8 Late Payment Warninq:If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 37 and your APRs may be increased up to the variable Penalty APR of 29,991 k Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance $18,385.53 -$809.07 -$0.00 +$423.54 +$0.00 +$0.00 +$ 231.11 $18,231.11 You will pay off the I And you will end up balance shown on this paying an estimated statement in about... total of... Minimum Payment Warninqiif you make only the minimum payment each penod, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional charges using this card and each month you pay... Credit Limit Revolving Credit limit Includes $ 8,700 cash advance limit $18,500 Available Revolving credit $268 Includes $ 268 available for cash advances Only the mmimum payment 29 year(s) $ 39,)05 $ 22,572 $627 3 year(s) (Savings=$16,533) For mformation about credit counsekng services, call 1-877-337-8187 AAdvantage Miles Earned this penod: 424 Minimum payment due New balance Payment due date $413.11 $18,231.11 01/21/1 8 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95I48-2168 C IT( CARDS PO BOX 78045 Phoemx, AZ 85062-8045 046 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI(2484) TTY-hearinnumoaired services only 1-800-325-2865 Page 2 of 3 Account Summary Trans. Post date date Description Payments, Credits and Adjustments 12/02 ONLINE PAYMENT, 1 HANK YOU 70 OOOOUS 0000 Amount -$ 500 00 AADVANTAGEe MILES EARNED THIS PERIOD: 424 Purchase 424 Accumulated This Period 424 12/06 ONLINE PAYMENT, THANK YOU -$200 00 70 OOOOUS 0000 12/09 ONLINE PAYMENT, THANK YOU 70 OOOOUS 0000 12/21 ONLINE PAYMENT, THANK YOU .$ 94.08 -$ 14 99 70 OOOOUS 0000 Standard Purchases 11/29 11/29 SJ MERCURY NEWS CIRC 04089205000 CA $ 9.97 PMPMIFD2 12/06 61 A7311USA 2222 12/06 WEB CLUB LEGENDARY DOM BAYARD DOM $103 83 GQDY215* 61 A7012DOM 2222 12/06 12/06 DTV "DIRECTV SERVICE 800-347-3288 CA $206.86 58NSTSS5 61 A4899USA 2222 CX4T308L 61 A4899USA 2222 12/15 12/15 Spotify USA New York NY $14.99 12/12 12/12 AUTOPAY/DISH NTWK 08003333474 CO $ 87 89 » Visit Be.corn/aadvantage to redeem miles, book flights ahd much more American Airlines reserves the right to change the AAdvantagee program and its terms and conditions at any time without notice, and to end the AAdvantagee program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer do not count toward elite- status quahffcatlon or Million MilerSM status. American Airlines is not responsible for products or services offered by other partfcfpabng companies. For complete details about the AAdvantage program, visit wwahaa.co~m aaduantage Amencan Airlines, AAdvantage and AAdvantage Mdhon Miler are trademarks of Amencan Airhnes, Inc. LXD93$ 00 61 A4899USA 2222 Fees charged Total fees charged in this billing period $0.00 Interest charged Date Description 12/25 INTEREST CHARGED TO STANDARD PURCH 00000000 84 0000 Total interest charged in this billing period Amount $231.11 $ 231.11 2017 totals year-to-date Total fees charged in 2017 Total interest charged in 2017 Interest charge caicuiation $95.00 $2,136.44 i Days m bilkng cycle. 32 Your Annual Percentage Rate (APR) is the annual mterest rate on your arcount Balance type Annual percentage Balance subject rate (APR) to interest rate Interest charge PURCHASES Standard Porch ADVANCES 14.49% (V) $18.191.53 (D) $ 231.11 Standard Adv 2649% (V) $ 0.00 (D) SO.OO Your Annual Percentage Rate (APR) is the annual interest rate on your account APRs followed by (V) may vary Balances followed by (D) are determined by the daily balance method hncludmg current transactions). 047 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI(2484) TTY-hearino-imoaired services only 1-800-325-2865 Page 3 of 3 Account messages The American Red Cross is accepting donations to support their work in providing shelter, food, emotional support and other assistance in response to disasters. Visit www.redcross.org, call 1-800-RED-CROSS, or text REDCROSS to 90999 to make a $10 donation. Citi Thankyou Rewards members can also use their points to make a donation to the American Red Cross at www.thankyou.corn. Contributions may also be sent to your local American Red Cross chapter or to the American Red Cross, P.O Box 37243, Washington, D.C. 20013. Remember, any charges above your revolving credit limit MUST BE PAID IN FULL by your statement's payment due date. 048 SITE:KC-CL TM:CO-5000 ACID:IRB6450 06/06/20 Ih54:22 LUIS C GONZALES Member Since1990 Account number ending in: 2508 Billmg Penod:12/26/17-01/23/18 www.citicards.corn Customer Service I-888-766-CITI(2484) Tl y-heanng impaired services only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 JANUARY STATEMENT Minimum payment due: New balance as of 01/23/18: Payment due date: $0.00 -$1,782.07 02/21/18 Late Payment Warning:If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 37 and your APRs may be increased up to the variable Penalty APR of 29.99%. For information about credit counseling services, call h877-337-8187. Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance Credit Limit Revolving Credit limit Includes $ 8,700 cash advance hmit $18,231.11 .$20,718.55 -$0.00 +$ 503.18 +$0.00 +$ 0.00 +$202.19 -$1,782.07 $18,500 Available Revolvmg credit $18,500 Includes $8,700 available for cash advances AAdvantage Miles Earned this period: 503 Minimum payment due New balance Payment due date $0.00 -$1,782.07 02/21/18 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148.2168 CITICARDS PO BOX 78045 Phoenix, AZ 85062-8045 049 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI(2484) TTY-hi annn-impaired serwces only 1-800-325-2865 Page 2 of 3 Account Summary Trans. Post date date Description Payments, Credits and Adjustments 01/23 PAYMENT THANK YOU Amount -$20,000.00 AADVANTAGEo MILES EARNED THIS PERIOD: 503 Purchase 503 83659373 70 OOOOUS 0002 Accumulated This Period 503 01/09 ONLINE PAYMENT,1HANK YOU 70 OOOOUS 0000 -$718.55 Standard Purchases 12/27 12/27 CLARK PEST CONTROL 209-368.7152 CA $79 00 7*D7BSHQ 12/29 61 A7342USA 2222 12/29 SJ MERCURY NEWS CIRC 04089205000 CA $9 97 Oi/13 01/13 DTV*DIRECTV SERVICE 800-347.3288 CA KXY GNS5 61 A4899USA 2222 $207.50 01/I 5 01/15 Spotify USA New York NY $14 99 KBBOXMOO 61 A4899USA 2222 01/18 01/18 WEB CLUB LEGENDARY DOM BAYARD DOM L*JB315'1 A7012DOM 2222 $103.83 Fees charged Total fees charged in this billing period $ 0.00 M5XQROD2 61 A7311USA 2222 01/11 01/11 AUTOPAY/DISH NTWK 08003333474 CO $87 89 939HY29L 61 A4899USA 2222 &) Visit Ba.corn/Badvantage to redeem miles, book fjiqhts ond much more Amencan Airhnes reserves the nght to change the AAdvantagee program and its termsand conditions at any time without notice, and to end the AAdvantagetb program with six months notice. Any such changes may affect your abihty to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/otfer do not count toward ehte- status qualification or Million MilerSM status. Amencan Airlines is not responsible for products or services offered by other participating companies. For complete details about the AAdvantage program, visit www,aa.corn/aadvantage Amencan Airlines, AAdvantage and AAdvantage Million Miler are trademarks of Amencan Airfines, Inc. Interest charged Date Description Amount 01/23 INTEREST CHARGED TO STANDARD PURCH 00000000 84 0000 Total interest charged in this billing period r 2018 totals year-to-date Total fees charged in 2018 $0.00 $202.19 $ 202.19 Total interest charged in 2018 $202.19 Interest charge calculation Days m bilhng cycle: 29 Your Annual Percentage Rate (APRI is the annual mterest rate on your account Balance type Annual percentage Balance subject rate (APR) to interest rate Interest charge PURCHASES Standard Purch 14 49o/o (V) $17 562 09 (D) $202 19 ADVANCES Standard Adv 26.49/o (V) SO 00 (D) $0 00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed by (V) may vary. Balances followed by (D) are determined by the daily balance method (Includmg current transactions). Account messages Remember, any charges above your revolving credit limit MUST BE PAID fN FULL by your statement's payment due date. 050 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CI Tl(24841 TTY-hearino-imoaired services only 1-800-325-2865 Page 3 of 3 Your account has a credit balance that is owed to you. You may make charges against it if your account is open. We will send you a refund of any remaining balance of $1.00 or more after the balance has been on your account for 90 days or upon request made to the customer service address or phone number above. 051 SITE'KC-CL TM'CO-5000 ACID:IRB6450 06/06/20 Ih54;22 LUIS C GONZALES Member Since1990 Account number ending in: 2508 Billing Penod: 01/24/18-02/23/18 www.citicards.corn Customer Service I-888-766-CITI12484) TTV-heanng-impaired services only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 FEBRUARY STATEMENT Minimum payment due: New balance as of 02/23/18: Payment due date: $25.00 SS2.78 03/21/18 Late Payment Warnings if we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 37 and your APRs may be increased up to the variable Penalty APR of 29,995M Minimum Payment Warning:If you make only the minimum payment each penod, you will pay more in interest and it will take you longer to pay off your balance. For example: Account Summary Prewous balance Payments Credits Purchases Cash advances Fees Interest New balance Credit Limit Revolving Credit limit Includes $ 5,700 cash advance limit -$1,782.07 -$1,745.98 .$0.00 +$2,530.83 +$1,000.00 +$50.00 +$0.00 $52.78 $ 18,500 If you make no additional charges using this card and each month you pay... Vou will pay off the balance shown on this i statement in about... And you will end up paying an estimated total of... Available Revolving credit $18,447 Includes $ 8,647 available for cash advances Only the minimum payment 3 month(s) $ 54 For information about credit counsekng serwces, call 1-877-337-8187. AAdvantage Miles Earned this period: 749 Minimum payment due New balance Payment due date $ 25.00 $52.78 03/21/18 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148-2168 C I T I C A R D5 PO BOX 78045 Phoenix, AZ 85062-8045 052 www.citicards.corn LUIS C GONZALES Customer Service 1-888.766-CIT I(2484) TTY-hennnnnmoaired services only I 800-325-2865 Page 2 of 3 Account Summary Trans. Post date date Descnption Payments, Credits and Adjustments 02/01 ONLINE PAYMENT, THANK YOU 70 OOOOUS 0000 02/22 ONLINE PAYMENT, THANK YOU 70 OOOOUS 0000 01/29 CREDIT REFUND AS REQUESTED 09134531 63 0000 Standard Purchases 01/29 01/30 SJ MERCURY NEINS CIRC 04089205000 CA 6LFVIFD2 61 A7311USA 2222 02/11 XN5RLSBL 02/11 AUTOPAY/DISH NTWK 08003333474 CO 61 A4899USA 2222 02/15 02/15 Spotify USA New York NY 02/01 02/01 RAINTREE VACATION CLUB 8004246532 TX WKXN6930 61 A7012USA 2222 02/06 02/06 DTV*DIRECTV SERVICE 800-347-3288 CA S*VF4$ $ 5 61 A4899USA 2222 02/07 02/07 WEB CI.UB LEGENDARY DOM BAVARO DOM OXLH315* 61 A7012DOM 2222 Amount -$1,009.97 -$736.01 $1,782.07 $ 9.97 $448.60 $148.07 $103.83 $20.52 $14.99 AADVANTAGEe MILES EARNED THIS PERIOD: 749 Purchase 749 Accumulated This Period 749 » Visit Ba.colyl/Beclvan'tage. to redeem miles, book flights Bnd much more American Air)mes reserves the right to change the AAdvantagen program and its terms and conditions at any time without notice, and to end the AAdvantage program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAd vantage maes earned through this promotion/offer do not count toward elite- status qualification or Million MilerSM status. Amencan Airhnes is not responsible for products or services offered by other participating compames. For complete details about the AAdvantage program, visit www.aa.corn/aadvantaqe American Afrimes, AAdvantage and AAdvantage Milhon Miler are trademarks of American Airlines, Inc. SQD29168 61 A4899USA 2222 02/21 02/21 LUCKY h766 SAN JOSE SAN JOSE CA $278 BBWZGBML 61 A5411USA 2222 Cash Advances 01/29 01/29 CASH CITIBANK CA016 SJ SAN JOSE CA TSB*W82M 60 A6010USA 2222 $1,000.00 Fees charged Date Descnphon 02/23 ADVANCES*TRANSACTION FEE Amount $ 50.00 00000000 86 0000 Total fees charqed in this billinq period $50.00 Interest charged Total interest charqed in this billing period $0.00 2018 totals year-to-date Total fees charqed in 2018 Total interest charged in 2018 $50.00 $202.19 Interest charge calculation Days m bhang cycle: 31 Your Annual Percentage Rate (APR) is the annual interest rate on your account Balance type Annual percentage Balance subject rate (APR) to interest rate Interest charqe PURCHASES Standard Purch ADVANCES Standard Adv 1449% (V) 26.49% (V) $ 0.00 (D) $ 0.00 (D) $ 0.00 $ 0.00 053 www.citicards.corn LUIS C GONZALES Customer Service 1-888-766-CITI(2484) TTY-hearinn-imoaired serwces only 1-800-325-2865 Page 3 of 3 Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed by (V) may vary. Balances followed by (0) are determined by the daily balance method (Including current transactions). Account messages Remember, any charges above your revolving credit limit MUST BE PAID IN FULL by your statement's payment due date. 054 SITEraC.CL TM:CO-5000 ACID:IR86450 06/06/20 IX54:22 LUIS C GONZALES Member Smce 1990 Account number ending in: 2508 Billing Penod: 02/24/18-03/23/18 www.citicards.corn Customer Service 1-888-766-CITI12484) TTY-heanng-impaired services only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 MARCH STATEMENT Minimum payment due: New balance as of 03/23/18: Payment due date: S25.00 S79.00 04/21/18 Late Payment Warningiif we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 37 and your APRs may be increased up to the vanable Penalty APR of 29.995L For information about credit counseling services, call 1-877-337-8187. Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance Credit Limit Revolvmg Credit limit Includes $ 8,700 cash advance hmit $52.78 -$ 812.72 -$0.00 +$838.94 +$0.00 +$0.00 +$0.00 $79.00 $ 18,500 Available Revolving credit $ 18,421 Includes $8,700 available for cash advances AAdvantageQx Miles Earned this period: 839 Minimum payment due New balance Payment due date $25.00 $79.00 04/21/1 8 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 3387 1HRIFT PL SAN JOSE CA 95148-2168 CITI CARDS PO BOX 78045 PhoeniX, AZ 85062-8045 055 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI(2484) TTY-heannn-imoaired serwces only 1-800-325-2865 Page 2 of 3 Account Summary Trans. Post date date Description Payments, Credits and Adjustments 02/24 ONLINE PAYMENT, THANK YOU 000070 QOOOUS Amount $ 52.78 AADVANTAGEe MILES EARNED THIS PERIOD: 839 Purchase 839 Accumulated This Period 839 03/01 ONLINE PAYMENT, THANK YOU -$9.97 70 OOOOUS 0000 03/07 ONLINE PAYMENT, THANK YOU Sana 60 70 QOOQUS 0000 03/08 ONLINE PAYMENT, THANK YOU .$177.06 70 OOOOUS 0000 03/09 ONLINE PAYMENT, THANK YOU -$103. 83 70 OOOOUS 0000 03/17 ONLINE PAYMENT, THANK YOU $ 20.48 70 OOOOUS 0000 Standard Purchases 02/26 02/26 SJ MERCURY NEWS CIRC 04089205000 CA BMKWVQD2 61 A7311USA 2222 $ 9.97 03/01 26PN6P30 03/06 03/06 DTV*DIRECTV SERVICE 800-347.3288 CA $177.06 03/01 RAINTREE VACATION CLUB 8004246532 TX $ 448.60 61 A7012USA 2222 » Visit Be.corn/Bedventege to redeem miles, book fli(jhts ru)d much more Amencan Airlines reserves the nqht to change the AAdvantagee program and its terms and conditions at any time without notice, and to end the AAdvantageLe program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer do not count toward cate- status qualification or Million MilerSM status. Amencan Airlmes is not responsible for products or serwces offered by other participating compames. For complete details about the AAdvantage program, visit www,aa,corn/aadvantaqe Amencan Airlines, AAdvantage and AAdvantage Milhon Miler are trademarks of American Airlines, Inc. JJLBNYS5 03/07 YP6$ 315* 03/I 4 BJ9QLKBL 61 A4899USA 2222 03/07 WEB CLUB LEGENDARY DOM BAYARD DOM 61 A7012DOM 2222 03/14 AUTOPAY/DISH NTWK 08003333474 CQ 61 A4899USA 2222 $103.83 $ 549 03/15 03/15 Spotify USA New York NY $14.99 ZTNLFIK" 03/20 JBFGD6X2 61 A4899USA 2222 03/20 CLARK PESI CONTROL LODI CA 61 A7342USA 2222 $79.00 Fees charged Total fees charged in this billing period $0.00 Interest charged Total interest charged in this billinq period Z()]B eotals year-to-date Total fees charged in 2018 Total interest charged in 2018 $50.00 $202.19 $0.00 Interest charge calculation Days in bilhng cycle: 28 your Annual percentage Rate IApRI is the annual mterest rate on your account Balance type PURCHASES Standard Purch ADVANCES Standard Adv Annual percentaqe Balance subject rate (APR) to interest rate Interest charge 13.24% (V) SO.OO (D) $ 0.00 2124% (V) SQ.OO (D) SO.OO 056 www.citicards.corn LUIS 0 GONZALES Customer Service I-888-766-CITI(2484) TTY-hi arinn-imnaired services only1-800-325.2865 Page 3 of 3 Your Annual Percentage Rate (APR) is the annual inlerest rate on your account. APRs followed by (V) may vary Balances followed by (0) are determined by the daily balance method (includmg current transactions) Account messages Remember, any charges above your revolving credit limit MUST BE PAID IN FULL by your statement's payment due date. 057 SITE;KC-CL TM:C0.5000 ACID:IRB6450 06/06/20 Ih54:22 LUIS C GONZALES Member Since1990 Account number ending in: 2508 Billing Penod: 03/24/18-04/24/18 www.citicards.corn Customer Service I-888-766-CITI(2484) TT Y-hearing-impaired services only 1-800-325 2865 BOX 6500 SIOUX FALLS, SD 57117 APRIL STATEMENT Minimum payment due: New balance as of 04/24/18: Payment due date: $268.00 $17,924.47 05/21/18 Late Payment Warning: If we do not receive your rnmimum payment by the date listed above, you may have to pay a late fee of up to $ 37 and your APRs may be increased up to the vanable Penalty APR of 29,9992 Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance $79.00 -$760.98 -$0,00 +$18,606.45 +$0.00 +$0.00 +$0.00 $17,924.47 For information about credit covnselmg services, call 1-877-337-8187 Credit Limit Revolving Credit limit $18,500 Includes S8,700 cash advance limit Available Revolving credit $ 575 Includes $ 575 available for cash advances AAdvantagerx3 Miles Earned this period: 18,606 Minimum payment due New balance Payment due date $268.00 $17,924.47 05/21/1 8 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148.2168 CITICARDS PO BOX 78045 Phoenix, AZ 85062-8045 058 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI(2484) TTY-hr arinn-imoaired services only 1.800-325-2865 Page 2 of 2 Account Summary Trans. Post date date Description Payments, Credits and Adjustments 04/02 ONLINE PAYMENT, THANK YOU Amount -$760.98 AADVANTAGEe MILES EARNED THIS PERIOD: 18,606 Purchase 18,606 70 OOOOUS 0000 Accumulated This Period 18,606 Standard Purchases 03/26 03/26 CLARK PEST CONTROL LODI CA $ 83.00 VK6K5SHQ 03/27 61 A7342USA 2222 03/27 SMC*SF FORTY NINERS 415 464-9377 CA $17,698.98 NCS4LWS5 61 A7922USA 2222 03/30 03/30 SJ MERCURY NEWS CIRC 04089205000 CA $9.99 BNX490D2 61 A7311USA 2222 04/02 04/02 RAINTREE VACATION CLUB 8004246532 TX $ 448 60 MAKN6P30 61 A7012USA 2222 04/06 04/06 DTV'DIRECTV SERVICE 800-347-3288 CA $177.06 5MRVRTS5 04/11 BZMQH*BL 61 A4899USA 2222 04/11 AUTOPAY/DISH NTWK 08003333474 CO 61 A4899USA 2222 $ 60.01 04/16 04/16 Spotify USA New York NY $14. 99 9051XMOO 04/18 61 A4899USA 2222 04/18 SJ MERCURY NEWS CIRC 4089205000 CA $9.99 SPVIFQD2 61 A7311USA 2222 04/19 04/19 WEB CLUB LEGENDARY DOM BAYARD DOM $103. 83 )) Visit Ba.corn/aadvantage to redeem miles, book ljjqh ts 2 nd much more American Airlines reserves the riqht to change the AAdvantageCi program and its terms and conditions at any time without notice, and to end the AAdvantagee program with six months notice Any such changes may affect your abihty to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer do not count toward ehte- status qualification or Million MilerSM status Amencan Airlines is not responsible for products or services offered by other participating companies. For complete details about the AAdvantage program, visit www.aa,corn/aadvantage American Airhnes, AAdvantage and AAdvantage Million Miler are trademarks of American Airhnes, Inc. K5*7415* 61 A7012DOM 2222 Fees charged Total fees charged in this billing period $0.00 Interest charged Total interest charqed in this billinq period r 2018 totals year-to-date L Total fees charged in 2018 Total interest charged in 2018 $50.00 $ 202.19 $0.00 Interest charge calculation Days in billmg eyrie: 32 Your Annua! Percentage Pat" (APRl is the annual mlcrcsl rotc on your account. Balance type Annual percentage Balance sub)act rate (APR) to interest rate Interest charqe PURCHASES Standard Purch 1349% (V) $ 0 00 (D) $ 0.00 Standard Adv 2149% (V) $0.00 (D) $0.00 Your Annual Percentage Rate (APR) is the annual mterest rate on your account. APRs followed by (V) may vary. Balances fohowed by (D) are determined by the daily balance method Oncluding current transactions). Account messages Remember, any charges above your revolving credit limit MUST BE PAID IN FULL by your statement's payment due date. 059 SITE:KC-CL TM:CO-5000 ACID:IR86450 06/06/20 Ik54;22 LUIS C GONZALES Member Since1990 Account number ending in: 2508 Billing Pened: 04/25/18-05/23/18 www.citicards.corn Customer Service I-888-766-C IT((2484) TTY-hearing-impaired serwces only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 MAY STATEMENT Minimum payment due: New balance as of 05/23/18: Payment due date: $370.05 $18,117.04 06/21/18 Late Payment Warning:If we do not receive your minimum payment by the date listed above, you may have to pay a tate fee of up to $37 and your APRs may be increased up to the Penalty APR of 29.99'Aa. Minimum Payment Warning:If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example. Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance Credit Limit Revolving Credit limit Includes $ 8,700 cash advance hmu $17,924.47 -$873.07 -$0.00 +$876.59 +$0.00 +$ 0.00 +$189.05 $18,117.04 $18,500 If you make no additional charges using this card and each month you pay... Vou will pay off the i And yau will end up balance shown on this ,'paying an estimated statement in about... i total of... Available Revolwng credit $ 382 Includes $382 available far cash advances Only the minimum payment 28 year(s) $ 37,445 $ 615 3 year(s) $ 22,140 (Savings=$15,305) For information about credit counseling services, call I 877 337 8187. AAdvantage Miles Earned this period: 877 Minimum payment due New balance Payment due date $370.05 $18,117.04 06/21/18 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148-2168 CITICARDS PO BOX 78045 Phoenix, AZ 85062-8045 060 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI(2484) TTY-hnannn-imnaired services only 1-800-325-2865 Page 2 of 2 Account Summary Trans. Post date date Descnption payments, Credits and Adjustments 05/07 ONLINE PAYMENT, THANK YOU 000070 OOOOUS Amount -$ 873.07 AADVANTAGEe MILES EARNED THIS PERIOD: 877 Purchase 877 Accumulated This Period 877 Standard Purchases 05/01 2QMP6P30 05/01 RAINTREE VACATION CLUB 8004246532 TX 61 A7012USA 2222 $448 60 05/12 05/12 AU10PAY/DISH NTWK 8003333474 CO $ 39.12 9YBYQ19L 05/13 JNNBVSS5 61 A4899USA 2222 05/13 DTV'DIRECTV SERVICE 800-347-3288 CA 61 A4899USA 2222 $177.06 6T7F415" 61 A7012DOM 2222 05/16 05/16 Spotify USA New York NY $14.99 KL*KKPC" 61 A4899USA 2222 05/17 05/17 CLARK PEST CONTROL LODI CA D99GIVHQ 61 A7342USA 2222 $83.00 05/21 MCD9RQD2 05/21 SJ MERCURY NEWS CIRC 4089205000 CA 61 A7311USA 2222 $9.99 Fees charged Total fees charqed in this billing period $0.00 05/15 05/15 WEB CLUB LEGENDARY DOM BAYARD DOM $103.83 » Visit BB.CDIA/Bedvehtage to redeem miles, book flights Bnd much more Amencan Airlines reserves the nght to change the AAdvantageCN program and its terms and conditions at any time without notice, and to cnd the AAdvantaqee proqram with six months notice Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer do not count toward elite- status qualification or Million MilerSM status. American Airlines is not responsible for products or serwces offered by other participahng companies For complete details about the AAdvantage program, visit www.aa corn/aadvantage Amencan Airlmes, AAdvantage and AAdvantage Million Miler are trademarks of Amencan Airlines, Inc. Interest charged Date Descnption Amount 05/23 INTEREST CHARGED TO STANDARD PURCH $189.05 00000000 84 0000 Total interest charged in this billing period 2018 totals year-to-date Total fees charged in 2018 Total interest charged in 2018 $50.00 $391.24 $189.05 Interest charge calculation Days in bilhng cycle: 29 Your Annual Percentage Rate (APR) is the annual mterest rate an your account alance type Annual percentage Balance subject rate (APR) to mterest rate Interest charqe U RC I.I A 5 E5 Standard Purch 13.49% (V) $17 638.17 (D) $189.05 DVANCES Standard Adv 21.49% (V) $ 0.00 (D) $0 00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs fohowed by (V) may vary. Balances followed by (D) are determined by the daily balance method (including current transactions). Account messages Remember, any charges above your revolving credit limit MUST BE PAID IN FULL by your statement's payment due date. 061 SITEraC.CL TM.C0-5000 ACID:IR86450 06/06/20 0:54:22 LUIS C GONZALES Member Since 1990 Account number ending irc 2508 Billing Period: 05/24/18-06/25/18 www.citicards.corn Customer Service 1-888-766-CITI/24841 TTY-heanngnmpaired serwces only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 JUNE STATEMENT Minimum payment due: New balance as of 06/25/18: Payment due date: $140.44 5758.45 07/21/18 Late Payment Warninq: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 37 and your APRs may be increased up to the Penalty APR of 29.99oa. Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance $18,117.04 -$ 31,398.47 .$19.54 +$13,925.98 +$0.00 +$0.00 +$ 133.44 $758.45 Minimum Payment Warning:If you make only the minimum payment each period, you wilt pay more in interest and it will take you longer to pay off your balance. For example: Credit Limit Revolvinq Credit limit $18,500 Includes $ 8,700 cash advance limit If you make no additional charqes usinq this card and each month you pay... You will pay off the balance shown on this statement in about... And you will end up paymg an estimated total of... Available Revolving credit $17,741 Includes $ 8,700 available for cash advances Only the mmimum payment 3 year(s) $ 881 For information about credit counseling services, calli 877.337.8187 AAdvantage Miles Earned this period: 13,906 Minimum payment due New balance Payment due date $140.44 $758.45 07/21/18 Amount enclosed: Account number endinq in 2508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148 2168 CITICARDS PO BOX 78045 Phoenix, AZ 85062-8045 062 www.citicards.corn LUIS 0 GONZALES Customer Service 1-888-766-CITI12484) TTY-hearinn-imoaired serwces only 1-800-325-2865 Page 2 of 4 Account Summary Trans. Post date date Description 83488982 06/14 PAYMENT THANK YOU 70 OOOOUS 0001 Payments, Credits and Adjustments Amount -$19,000.00 AADVANTAGEa MILES EARNED THIS PERIOD: 13,906 Purchase 13,906 Accumulated This Period 13,906 05/30 06/01 06/12 06/14 N9103091 06/11 06/02 V7XPKGS5 06/02 06/04 06/04 5084'XOO Standard Purchases 06/01 06/01 7MZGLR30 ONLINE PAYMENT, THANK YOU .$11,117.04 70 OOOOUS 0001 ONLINE PAYMENT, THANK YOU $ 600.00 70 OOOOUS 0000 ONLINE PAYMEN1, THANK YOU 70 OOOOUS 0000 ONLINE PAYMENT, THANK YOU .$45643 -$ 225.00 70 OOOOUS 0000 CI1 I BANK CREDIT FOR DISPUTE 72 5541 -$19.54 RAINTREE VACATION CLUB 8004246532 TX 61 A7012USA 2222 SAN FRAN 49ERS 415-464.9377 CA 61 A7922USA 2222 $448 60 $11,504.00 WEB CLUB LEGENDARY DOM LA ALTAGRACIA DOM $103.83 61 A7012DOM 2222 &) Visit Ba.corn/aadvantage to redeem miles, book fjjtjhts and much more Amencan Airhnes reserves the nght to change the AAdvantagea program and its termsand conditions at any time without notice, and to end the AAdvantager"-I program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated Unless specified, AAdvantage miles earned through this promotion/otfer do not count toward ehte- status qualification or Million MilerSM status. Amencan Airlines is not responsible for products or services offered by other participating companies For complete details about the AAdvantage program, wsit www,aa corn/aadvantage Amencan Airlines. AAdvantage and AAdvantage Million Miler are trademarks of American Airlines, Inc 06/11 06/11 F7G82$ 8L AUTOPAY/DISH NTWK 8003333474 CO 61 A4899USA 2222 $121.38 06/12 QFKVYBH3 06/12 GASO 20 20 CERRO COLOR LOS CABOS BCS MEX 61 A5541MEX 2222 400.00 MEXICAN PESO $19. 54 06/'12 06/12 ITF*YGNV LA EUROPEA LOS CABOS BCS MEX 61 A5921MEX 2222 427.00 MEXICAN PESO $20.86 06/12 X20FGFCV 06/12 5SGPORYV 06/1 2 06/12 VIVA LA BUENA MESA LOS CABOS BCS MEX 61 A 5812 M EX 2222 560 00 MEXICAN PESO NIAL MART LOS CABOS LOS CABOS BCS MEX 61 A5411MEX 2222 770 50 MEXICAN PESO $ 27.35 $37.64 06/12 06/12 5 PBFJJV DIESGAS UNIDAD 370Q LOS CABOS BCS MEX 61 A5983MEX 2222 06/I 2 BX**D66$ 06/12 4,750.00 MEXICAN PESO DOC 5 ENTERPRISES 866-2386696 Wi 61 A7999USA 2222 $232.02 $30.00 06/13 06/13 DTV*DIRECTV SERVICE 800-347-3288 CA $177.06 DD258JS5 06/I 6 06/I 6 RVZMQPOL 61 A4899USA 2222 Spotify USA New York NY 61 A4899USA 2222 $ 14.99 06/17 RR3WYHLB 06/I 8 X55MD665 06/20 ISN*JQD2 06/I 8 06/19 06/21 WM SUPERCENTER b1704 VACAVILLE CA 61 A5411USA 2222 GOLDEN HILLS OPTOMETRY SAN JOSE CA 61 A8042USA 2222 SJ MERCURY NEWS CIRC 4089205000 CA 61 A7311USA 2222 $166.42 $41.00 $9.99 06/21 06/22 INDIA CASH & CARRY SUNNYVALE CA $ 6.36 KR5YM2Y2 61 A5411USA 2222 083 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CIT I(2484) TTY-heannn-imoaired services only 1-800.325 2865 Page 3 of 4 Standard Purchases,cont'd Trans date 06/21 FVJRW900 06/21 Post date Description 06/22 DOLLAR TREE SAN JOSE CA 61 A5331USA 2222 06/22 EVERGREEN INN PUB INC SAN JOSE CA Amount $ 25.18 $36.00 FTTX7C06 61 A5814USA 2222 06/21 9X*3VTHQ 06/22 BIG LOTS STORES - f1439 SANTA CLARA CA 61 A5310USA 2222 $47.28 06/21 06/22 STEIN-MART f1384 CUPERTINO CA TXJRW900 61 A5311USA 2222 $ 101. 37 06/21 JKZHLBML 06/23 LUCKY d773 SANTA CLA SANTA CLARA CA 61 A5411USA 2222 $17.99 06/22 06/23 WM SUPERCEN1ER h3023 SAN JOSE CA WBWWZHLB 61 A5411USA 2222 06/22 06/23 AUTO PRIDE CAR WASH SAN JOSE CA $10 95 $29.94 Y33RHGBR 61 A7542USA 2222 06/22 06/22 WM SUPERCENTER d3023 SAN JOSE CA 66WWZHLB 61 A5411USA 2222 06/22 06/22 AUTO PRIDE CAR WASH SAN JOSE CA $ 45.50 $ 49 99 X12RHGBR 61 A7542USA 2222 06/22 06/22 WALGREENS P3445 SAN JOSE CA D6FL6 00 61 A5912USA 2222 06/23 06/23 TEAM SAN JOSE SAN JOSE CA 6CVHBWHQ 61 A5814USA 2222 06/23 06/23 TEAM SAN JOSE SAN JOSE CA K9VHBWHQ 61 A5814USA 2222 06/24 06/25 CVS/PHARMACY n09229 SAN JOSE CA $214. 31 $ 35.20 $ 40.00 $14 11 BHHJLBOO 61 A5912USA 2222 06/24 06/25 OLIVE GARDEN 400044685 SAN JOSE CA $ 28 40 "XS4T234 61 A5812USA 2222 06/24 06/24 MI PUEBLO WHITE RD/SAN SAN JOSE CA R9RBCQCR 61 A5411USA 2222 $44.31 06/24 P4DXQ6CN 06/24 FRY'5 ELECTRONICS I19 SAN JOSE CA 61 A5732USA 2222 $224.41 Fees charged Total fees charged in this billing period $ 0.00 Interest charged Date 06/25 Description INTEREST CHARGED TO STANDARD PURCH Amount $133.44 00000000 84 0000 Total interest charged in this billing period $133.44 2018 totals year-to-date Total fees charged in 2018 1otal interest charged in 2018 $50.00 $524.68 Billing Disputes THIS DISPUTE HAS BEEN RESOLVED IN YOUR FAVOR 06/12 GASO 20 20 CERRO COLOR LOS CABOS BCS MEX $19.54 064 www.citicards.corn LUIS C GONZALES Customer Service I-BBB-766-CITI(2484) TTY-heannn-imoaired serwces only 1-800-325-2865 Page 4 of 4 Interest charge calculation Days m biihng cycle: 33 Your Annual Percentage Rate (APR) is the annual interest rate on Your account Balance type Annual percentage Balance subject rate (APR) to interest rate Interest charge PURCHASES Standard Purch 1374% (V) $10,742.98 (D) $133.44 ADVANCES Standard Adv 21,74% (V) $ 0.00 (D) $ 0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account APRs followed by (V) may vary. Balances followed by (D) are determined by the daily balance method (mcludmg current transactions). Account messages Remember, any charges above your revolving credit limit MUST BE PAID IN FULL by your statement's payment due date. 065 SITEcRC-CL TM:CO-5000 ACID.IRB6450 06/06/20 8:54'22 LUIS C GONZALES Member Since1990 Account number ending in: 2508 Billing Period. 06/26/18-07/24/18 www.citicards.corn Customer Service I-888-766-C IT)(2484) TTY-hearing-impaired serwces only 1-800-325-2865 BOX 6500 SIQLIX FALLS, SD 57117 JULY STATEMENT Minimum payment due: New balance as of 07/24/18: Payment due date: 5259.18 514,209.54 08/21/18 Late Payment Warning: If we do not receive your mmimum payment by the date listed above, you may have to pay a late fee of up to $37 and your APRs may be increased up to the Penalty APR of 29.9952 Minimum Payment Warning:if you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example: Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance Credit Limit Revolwng Credit limit includes S8,700 cash advance limit $75845 -$453.07 -$110.82 +$13,897.BO +$0.00 +$ 0.00 +$117 IB $14,209.54 $18,500 If you make no additional charges using this card and each month you pay... You will pay off the And you will end up balance shown on this paying an estimated statement in about... total of... Available Revolving credit $ 4,290 includes $4,290 available for cash advances Only the minimum payment 26 year(s) $29,525 $484 3 year(s) $17,424(Savings=$12,101) For information about credit counseling services, cali1-877-337-8187. AAdvantage Miles Earned this period: 13,787 Minimum payment due New balance Payment due date $259.18 $14,209.54 08/21/18 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148-2168 CITI CARDS PO BOX 78045 Phoenix, AZ 85062-8045 066 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI(24841 TTY hr annn-imnaired services only 1-800-325-2865 Page 2 of 5 Account Summary Trans Post date date Descnption Payments, Credits and Adjustments 06/29 06/28 06/28 ONLINE PAYMENT, THANK YOU 70 OOOOUS 0000 HOBBY-LOBBY ¹503 MORGAN HILL CA GSLYF9$ 5 71 N5945USA 2222 06/30 06/30 STEIN. MART 11416 WAI NUT CREEK CA 07/06 07/06 CACHE CREEK RESORT BROOKS CA QR"'7Y25 71 N7011USA 2222 PHONE NUMBER'009501292 FOLIO NUMBER: 11403655 ARRIVE: 07/05/18 DEPART: 07/06/18 Standard Purchases 06/25 08"BULB 06/26 WM SUPERCENTER ¹3023 SAN JOSE CA 61 A5411USA 2222 06/25 06/26 RT'7RVS5 06/25 06/26 FXPHQ66$ USA*USA*AMI MUSICBOX OAKBROOK TERR IL 61 A7994USA 2222 DOC 5 ENTERPRISES 866-2386696 Wi 61 A7999USA 2222 VHHVF800 71 N5311USA 2222 Amount -$453.07 -$ 27 24 -$43 58 -$4000 $2 47 $10. 00 S30.00 AADVANTAGEo MILES EARNED THIS PERIOD: 13,787 Purchase Accumulated This Period 13,787 13,787 3& Visit Ba.corn/aadvantege to redeem miles, book fljfjhts and much more American Airlines reserves the right to change the AAdvantageO program and its termsand conditions at any time without nohce, and to end the AAdvantageixi program with six months notice Any such changes may affect your abihty to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer do not count toward ehte- status qualification or Million MilerSM status. Amencan Airlines is not responsible for products or serwces offered by other participating companies. For complete details about the AAdvantage program, visit www.aa.corn/aadvantacLe Amencan Airlines, AAdvantage and AAdvantage Million Miler are trademarks of Amencan Airlines, Inc. 06/25 06/26 EVERGREEN INN PUB INC SAN JOSE CA $ 48.78 K28$7C06 61 A5814USA 2222 06/25 06/26 ORCHARD SUPPLY tt020 SAN JOSE CA $58 95 RBMDPQMB 06/2 5 PC6JGBML 61 A5200USA 2222 06/26 FOOD MAXX ¹491 SAN JOSE CA 61 A5411USA 2222 $2610 06/26 06/26 SH19NOV5 LOWES ¹01756 SAN JOSE CA 61 A5200USA 2222 $30.55 06/26 06/26 SAFEWAY ¹3095 SAN JOSE CA $ 36.75 BHMKNICW 61 A5411USA 2222 06/26 06/26 HOBBY-LOBBY ¹503 MORGAN HILL CA $ 11 6.18 KQQQC9$ 5 61 A5945USA 2222 06/26 06/26 HOBBY. LOBBY ¹503 MORGAN HILL CA $265 03 DCQQC955 06/27 SXCM19$ 5 06/27 61 A5945USA 2222 USA*USA*AMI MUSICBOX OAKBROOK TERR IL 61 A7994USA 2222 $ 5 00 06/27 06/27 LBSRF9$ 5 06/27 06/27 USA"USA AMI MUSICBOX OAKBROOK TERR IL 61 A7994USA 2222 LOWES ¹01756* SAN JOSE CA $5 00 $7.63 PXRCD5V5 61 A5200USA 2222 06/27 06/27 89QQ*900 DOLLARTREE SAN JOSE CA 61 A5331USA 2222 $ 24.18 06/27 7SY68006 06/27 EVERGREEN INN PUB INC SAN JOSE CA 61 A5814USA 2222 $ 28.00 06/27 06/27 DOC 5 ENTERPRISES 866-2386696 WI $30.00 5CYRQ66S 06/27 JO VRICYY 06/27 61 A7999USA 2222 SAFEWAY ¹3095 SAN JOSE CA 61 A5411USA 2222 $ 47.67 06/28 06/28 SAFEWAY ¹3095 SAN JOSE CA $ 34.08 3FK3$1CW 61 A5411USA 2222 06/29 06/29 3SX4$1CW SAFEWAY ¹1439 SUNNYVALE CA 61 A5411USA 2222 $41.63 087 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI(24841 11 Y-heannn-imnaired services univ 1-800-325-2865 Page 3 of 5 Standard Purchases, cont'd Trans. date Post date Descnption Amount 06/30 06/30 2CFMMBML LUCKY ¹766 SAN JOSE SAN JOSE CA 61 A5411USA 2222 $5.48 06/30 4P "78WH5 06/30 BEVERAGES E, MORE ¹65 VACAVILLE CA 61 A5921USA 2222 $238 76 07/02 07/02 LZLXH3VS 07/02 07/02 'F21P2V5 AGI" MOOSE EA+ 8003957881 CA $144.00 61 A5960USA 2222 SAN FRAN 49ERS 415-464.9377 CA $10,000.00 61 A7922USA 2222 07/02 07/02 XW91KJ "2 THE BASIN SARATOGA CA 61 A5812USA 2222 $ 217.03 07/03 07/03 R85CCQS5 USA" USA "AMI MUSICBOX OAKBROOK TERR IL $10.00 61 A7994USA 2222 07/03 07/03 K5KH7C06 EVERGREEN INN PUB INC SAN JOSE CA 61 D5814USA 2222 $122.00 07/03 OP12MBML 07/03 LUCKY ¹766 SAN JOSE SAN JOSE CA 61 A5411USA 2222 $ 62.31 07/04 07/04 PMQ83RL2 WAL.MART ¹3023 SAN JOSE CA 61 A5411USA 2222 $42.80 07/04 'G6KNV7M 07/04 PKYSCQCR 07/04 07/04 PETC01327 63513279 SAN JOSE CA 61 A5995USA 2222 MI PUEBLO WI.IITE RD/SAN SAN JOSE CA 61 A5411USA 2222 $47.00 $ 81 56 07/04 07/04 3HX9JICW SAFEWAY FUEL ¹2900 SAN JOSE CA 61 A5542USA 2222 $40.05 07/05 53RNK7*L 07/05 CENTER BAR ROHNERT PARK CA 61 A5813USA 2222 $16.00 07/05 07/05 VKZYP7*L 07/06 07/06 2"3"9INS5 07/06 07/06 5Y*ZH9*L 07/06 07/06 WP "7YZ5 HIGH LIMIT BAR ROHNERT PARK CA 61 A5813USA 2222 DTV DIRECTV SERVICE 800-347-3288 CA 61 A4899USA 2222 CCR JACKS LOUNGE COLUSA CA 61 A5812USA 2222 CACHE CREEK RESORT BROOKS CA 61 D7011USA 2222 PHONE NUMBER: 8009501292 FOLIO NUMBER:11403655 ARRIVE. 07/05/18 DEPART: 07/06/18 $16. 00 $178.06 $12 00 $131.1 8 07/07 3VSFI(J36 07/07 ZYVKNICW 07/07 07/07 PILOT 00001685 DUNNIGAN CA 61 A5542USA 2222 SAFEWAY ¹3095 SAN JOSE CA 61 A5411USA 2222 $30 00 S3 5.91 07/08 07/08 G'FVYHLB WM SUPERCENTER ¹5435 SAN JOSE CA 61 A5411USA 2222 $40 05 07/09 07/09 TARGET 00022384 SAN JOSE CA $18.19 FMISQRL2 61 A5411USA 2222 07/09 IRJXGRL2 07/09 TARGET 00022384 SAN JOSE CA 61 A5411USA 2222 $ 59.09 07/09 K3K"DOIO 07/09 WEB CLUB LEGENDARY DOM LA ALTAGRACIA DOM $103.83 61 A7012DO M 2222 07/09 07/09 6L4DRICW SAFEWAY ¹3095 SAN JOSE CA 61 A 54110 SA 2222 $134.87 07/10 07/10 D12HS900 WALGREENS ¹3445 SAN JOSE CA $ 20.02 61 A5912USA 2222 088 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI(2484) TTY-hi anno-imoaired services oniy1 800-325-Z865 Page 4 of 5 Standard Purchases, cont'd Trans. date 07/10 62WOBC06 Post date 07/10 Description EVERGREEN INN PUB INC SAN JOSE CA 61 A5814USA 2222 Amount $ 19 00 07/12 07/12 LBWBLOV5 LOWES 1101756 SAN JOSE CA 61 A5200USA 2222 $75.25 07/I 2 M JF68WH5 07/12 89RBJICW 07/12 07/12 BEVERAGES E MORE ftt05 SAN JOSE CA 61 A5921USA 2222 SAFEWAY FUEL II2900 SAN JOSE CA 61 A5542USA 2222 $92.81 $ 55.55 07/12 07/12 LUCKY 11766 SAN JOSE SAN JOSE CA $ 57.29 VZZHLBML 07/12 07/12 82LVQ8$ 5 61 A5411USA 2222 ABORN PET CLINIC SAN JOSE CA 61 A0742USA 2222 $72.00 07/12 07/12 AUTOPAY/DISH NTWK 8003333474 CO $104.89 CLXJOJBL 07/14 QKL4BZJV 07/14 7BSXRNIX 07/14 058PORYV 07/14 07/14 07/14 61 A4899USA 2222 MASKOTA LOS CARDS BCS MEX 61 A0742MEX 2222 106.00 MEXICAN PESO HOME DEPOT LOS CABOS LOS CABOS BCS MEX 61 A5311MEX 2222 120.00 MEXICAN PESO WAL MART LOS CABOS LOS CABOS BCS MEX 61 A5411MEX 2222 627.67 MEXICAN PESO $ 5.62 $6.36 $ 33.27 07/14 07/14 3KBPORYV 07/14 07/14 QD3N5P5F 07/16 07/16 3F983ROO WAL MART LOS CABOS LOS CABOS BCS MEX 61 A5411MEX 2222 702.22 MEXICAN PESO COSTCO LOS CABOS LOS CABOS BCS MEX 61 A5300MEX 2222 4,629c45 MEXICAN PESO Spotify USA New York NY 61 A4899USA 2222 $ 3722 $246. 45 $14.99 07/I 6 YN2K5FD2 07/16 SJ MERCURY NEWS CIRC 4089205000 CA 61 A7311USA 2222 $9.99 07/I 6 07/I 6 D*WMSPWV LOOBY BAR AND CIGAR BA LOS CABOS BCS MEX 61 A7012MEX 2222 1,038.00 MEXICAN PESO $ 55.26 07/I 9 RB768500 07/19 46QBBVHQ 07/19 94HPORYV 07/19 07/19 07/19 BBQ GRILLS AND FIRE CABO SAN LUCA MEX 61 A5046MEX 2222 35000 MEXICAN PESO CI ARK PEST CONTROL LODI CA 61 A7342 USA 2222 WAL MART LOS CABOS LOS CABOS BCS MEX 61 A5411MEX 2222 1,90014 MEXICAN PESO $18.54 $ 83 00 $100.63 07/20 07/20 BSXXSLCV 07/21 07/21 L*PXRNIX CHEDRAUI 5 J CBO CA178 LOS CABOS BCS MEX 61 A5411MEX 222Z 944.61 MEXICAN PESO HOME DEPOT LOS CABOS LOS CABOS BCS MEX 61 A5311MEX 2222 1,050.89 MEXICAN PESO $49.94 $ 55.56 07/22 3ZFSHGBR 07/22 AUTO PRIDE CAR WASH SAN JOSE CA 61 A7542USA 2222 $49.99 069 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI(2484) TTV-hi arinn-imoaired services only 1-800-325-2865 Page 5 of 5 Fees charged Total fees charged in this billing period $0.00 Interest charged Date Description Amount 07/24 INTEREST CHARGED TD STANDARD PURCH 00000000 84 0000 Total interest charged in this billing period $117 18 $ 117.1 8 2018 totals year-to-date Total fees charged in 2018 Total interest charged in 2018 $50.00 $ 641.86 interest charge calculation Days m billmg cycle: 29 Your Annual Percentage Rate (APR) is the annual interest rate on your account Balance type PURCHASES I.. Standard Purch LADVANCESStandard Adv 13 74e/o $10 734 66 (D) $117.18 2174e/o $ 0.00 (D) $ 0.00 Annual percentage Balance subject rate (APR) to interest rate Interest charge Your Annual Percentage Rate (APR) is the annual interest rate on your account APRs followed by (V) may vary. Balances followed by (D) are determined by the daily balance method (mcludmg current transactions). Account messages Remember, any charges above your revolving credit limit MUST BE PAID IN FULL by your statement's payment due date. your account has an annual membership fee of 595.00 which will appear on your next billing statement. Variable rates vary with the market based on the U.S. Prime Rate. The variable Penalty APR (which is based on your creditworthiness) may apply if you make a late payment or a payment that is returned. If it is applied, it will stop applying to existing balances if you make the next six consecutive minimum payments when due. However, it may apply to new transactions indefinitely. See back for important information. 070 SITE:KC-CL TM;CO-5000 ACID:IRB6450 06/06/20 u:54:22 LUIS C GONZALES Member Since1990 Account number ending in: 25OB Billing Penod: 07/25/18-08/Z3/18 www.mticards.corn Customer Service 1-888-766-CITI(2484) TTY-heanng-impaired services only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 AUGUST STATEMENT Minimum payment due: New balance as of 08/23/18: Payment due date: $359.49 $17,383.77 09/21/18 Late Payment Warningiif we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $37 and your APRs may be increased up to the Penalty APR of 29.9952 Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance $14,209.54 -$ 459.1B -$21.70 +$3,373.62 +$0.00 +$95.00 +$186.49 $17,383.77 Minimum Payment Warning:If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example; Ifyoumake no additional You will payoff the 'nd you will end upcharges using this card balance shown on this paying an estimated and each month you pay... statement in about... total of... Credit Limit Revolving Credit limit Includes $ 8,700 cash advance omit Available Revolving credit Includes $1,116 available for cash advances $18,500 $1,116 $ 592 3 year(s) Only the minimum payment 28 year(s) $ 36,241 $ 21,312 (Savings=$14,929) For mformation about credit covnseimq services, cali)-877 337-8187 AAdvantage Miles Earned this period: 3,607 Minimum payment due New balance Payment due date $359.49 $17,383.77 09/21/1 8 Amount enclosed: Account number ending in Z508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148.2168 CITI CARDS PO BOX 78045 Phoenix, AZ 85062-8045 071 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI(2484) TTY-heannn-impaired services only 1-800-325-2865 Page 2 of 4 Account Summary Trans. Post CI a 1 c date Descnption Payments, Credits and Adjustments 08/14 ONLINE PAYMENT, THANK YOU 70 OOOOUS 0000 07/31 T K W 8 N I.i M 8 07/31 ORCHARD SUPPLY d160 SAN JOSE CA 71 N5200USA 2222 07/31 07/31 STEIN. MART d342 CORPUS CHRIST TX 87G11*00 71 N5311USA 2222 Standard Purchases 07/21 07/25 GRWMY5X2 NORDSTROM DIRECT d0808 800.285 5800 IA 61 A5311USA 2222 07/24 QX05*800 07/24 C17N5PSF 07/25 07/Z5 HOTEL RAINTREE C LOS CABOS BCS MEX 61 D7011MEX 2222 2,376.59 MEXICAN PESO COSTCO LOS CABOS LOS CABOS BCS MEX 61 A5300MEX 2222 3,307 28 MEXICAN PESO ZBBNNSQW 61 A3001USA 2222 NAME'ONZALES/LUIS DEPART: 07/25/18 FFP TO FEE: AA: CLASS: Y: 510P'0 07/25 07/25 AMERICAN00106290862716 8004337300 TX Amount -$459.18 -$ 7.64 -$14 06 $81.83 $ 126.33 $177.88 $ 40.00 AADVANTAGEu MILES EARNED THIS PERIOD: 3,607 Purchase 3,352 Bonus 255 Accumulated This Period 3,607 && Visit Ba.com/aadvahtage to redeem miles, book flights and much more Amencan Airlines reserves the nght to change the AAdvantageu program and its terms and conditions at any time without notice, and to end the AAdvantageo program with six months notice Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer do not count toward elite- status qualification or Milhon MilerSM status. Amencan Airlines is not responsible for products or services offered by other participating companies. For complete details about the AAdvantage program, wait www.aa.corn/aadvantage Amencan Aii'lines, AAdvantage and AAdvantage Million Miler are trademarks of Amencan Airbnes, Inc 07/25 07/25 FT5TBZZP ALASKA A0272179579792 8006545669 WA 61 A3256USA 222Z NAME: GONZALES/LUIS DEPART: 07/26/18 SJD TO SJC AS: CLASS: K: STOP $103 00 07/26 TMRP6GCV 07/26 CABOS APTO ISLA CORONA LOS CABOS BCS MEX 61 A5812MEX 2222 360.00 MEXICAN PESO $ 19 36 07/2 6 07/26 LEWIS & LEWIS INSURANC 8009666830 CA $ 201.54 89BLQ716 61 A6300USA 2222 07/27 07/27 033VB'00 CVS/PHARMACY d09229 SAN JOSE CA 61 A5912LISA 2222 $ 42. 21 07/28 07/28 STEIN MART 11342 CORPUS CHRIS7 TX $101.38 GQVRNBOO 61 A5311USA 2222 07/29 07/29 LYOCIBML LUCKY h766SAN JOSE SAN JOSE CA 61 A5411USA 2222 $85.66 07/30 07/30 XBKCW900 DOLLARTREE SAN JOSE CA 61 A5331USA 2222 $4 28 07/30 07/30 SJ*LGKS5 USA "USA*AMI MUSICBOX OAKBROOK TERR IL 61 A7994USA 2222 $ 5.00 07/30 07/30 ORCHARD SUPPLY OI60 SAN JOSE CA $15.27 MOXOPOMB 61 A5200USA 222Z 07/30 07/30 EVERGREEN INN PUB INC SAN JOSE CA 452DBC06 61 A5814USA 2222 $ 47.00 07/31 07/31 NSMG"000 HACIENDA VIEJA MEXICAN CORPUS CHRIST TX 61 A5812USA 2222 $ 32.59 07/31 07/31 ORCHARD SUPPLY 11160 SAN JOSE CA $ 34.74 C" YQPQMB 61 A5ZOOUSA 2222 07/31 07/31 5JKB9PS5 SOU*SO *WILLS GaRaGE D San Jose CA 61 A8999USA 2222 $225.00 072 www.citicards.corn LUIS C GONZALES Customer Service 1-888-766-CITI(2484) TTY-heannn-imnaired services only 1-800-325-2865 Page 3 of 4 Standard Purchases, cont'd Trails date Post date Descnption Amount 08/Oi 08/01 SAFEWAY u3095 SAN JOSE CA $44.59 XJNVRICW 08/02 *YL668M2 61 A5411USA 2222 08/02 ALUM ROCK AUTO CARE SAN JOSE CA 61 A7538USA 2222 $ 40.00 08/02 08/02 HOMEGOODS u389 VACAVILLE CA $ 176.74 OQQQZ900 08/02 KB768WH5 61 A5651USA 2222 08/02 BEVERAGES 6 MORE u65 VACAVILLE CA 61 A5921USA 2222 $ 208.63 08/04 08/04 EVERGREEN INN PUB INC SAN JOSE CA $40.00 892DBC06 61 A5814USA 2222 08/05 08/05 OI.IVE GARDEN 0024468 SAN JOSE CA $ 56.77 YMXTT7M2 61 A5812USA 2222 08/06 08/06 DTV*DIRECTV SERVICE 800 347-3288 CA JJCPXVS5 61 A4899USA 2222 $244.05 08/07 HC*H1210 08/07 WEB CLUB LEGENDARY DOM LA ALTAGRACIA DOM $103.83 61 A7012DOM 2222 08/07 08/07 OAKLAND A'S OAKLAND CA $627. 00 GBLRB'$5 61 A7922USA 2222 08/09 08/09 LUCKY h773 SANTA CLA SANTA CLARA CA $44.18 58X3LBML 61 A5411USA 2222 08/11 08/11 DOLLAR GENERAL u16171 ESPARTO CA $ 58.37 6688$ 6X2 08/11 FCHTJ98L 08/12 TXYLNICW 08/15 882SQRL2 08/15 92YRGRL2 61 A5331USA 2222 08/11 AU10PAY/DISH NTWK 8003333474 CO 61 A4899USA 2222 08/12 SAFEWAY tt3095 SAN JOSE CA 61 A5411USA 2222 08/15 TARGET 00022384 SAN JOSE CA 61 A5411USA 2222 08/15 TARGET 00022384 SAN JOSE CA 61 A5411USA 2222 $104.89 $118.13 $ 827 $ 60.65 08/16 08/16 Spotify USA New York NY $14.99 J9LN6TOO 08/I 7 ZLZ95QD2 61 A4899USA Z222 08/17 SJ MERCURY NEINS CIRC 4089205000 CA 61 A7311USA 2222 $9.99 08/17 08/17 RE ~ ROBIN N0194 SAN JOSE CA $1948 C132QJPB 61 A5812USA 2222 08/22 08/22 AUTO PRIDE CAR WASH SAN JOSE CA $49 99 8 I T IN H G 8 R Fees charqed 61 A7542USA 2222 Date Descnption Amount 08/23 MEMBERSHIP FEE AUG18 JUL19 00000000 74 0000 SEE REVERSE FOR MORE RENEWAL INFORMATION Total fees charged in this billing period $95.00 $95.00 Interest charqed Date Description 08/23 INTEREST CHARGED TO STANDARD PURCH Amount $186.49 00000000 84 0000 Total interest charged in this billing period $186.49 073 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI(2484) TTY-heannn-imoaired services only1-800-325.2865 Page 4 of 4 2018 totals year-to-date Total fees charged in 2018 Total interest charged in 2018 $ 145.00 $828.35 Interest charge calculation Days in bilhng cycle 30 Your Annual Percentage Rate (APR) Is the annual mterest rate on your account Balance type i Annual percentage Balance subject rate (APR) to interest rate Interest charge PURCHASES Standard Purch ADVANCES 13.74% $ 16,514.99 (D) $186 49 Standard Adv 21.74% $ 0.00 (D) $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed by (V) may vary. Balances followed by (D) are determined by the daily balance method (Includmg current transactions). Account messages Remember, any charges above your revolving credit limit MUST BE PAID IN FULL by your statement's payment due date. 074 SITEbac CL TM:C0-5000 ACID.IRB6450 06/06/20 11;54:22 LUIS C GONZALES Member Since 1990 Account number ending in: 2508 Billing Period 08/24/18-09/25/18 SEPTEMBER STATEMENT Minimum payment due: New balance as of 09/25/18: Payment due date: 5533.03 $19,600.49 10/21/18 Late Payment Warningilf we do not receive your minimum payment by the date listed above, you may have to pay a fate fee of up to $ 37 and your APRs may be mcreased up to the Penalty APR of 29.995k Minimum Payment Warning:If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. F'r example: Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance $17,383.77 -$502 88 -$15.28 +$2,498.34 +$0.00 +$0.00 +$236.54 $19,600.49 www.citicards,corn Customer Service 1-888-766"CITI(2484) TTy-hearingnrnpaii ed services only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 You are over your credit limit. Please pay at least the minimum payment due, which includes an overlimit amount of $100 49. lf you make no additional charges using this card and each month you pay... Only the mmimum payment $667 $ 40,80629 year(s) T$24,012(Savings=SI6,794)3 year(s) You will pay off the And you will end up balance shown on this paying an estimated statement in about... total of... Credit Limit Revolving Credit limit Inctudes $ 8700cash advance limit $19,500 For information about credtt counsekng services, call 1-877-337-8187. AAdvantage Miles Earned this period: 2,60XI Minimum payment due New balance Payment due date $533.03 $19,600.49 10/21/18 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148 2168 CITICARDS PO BOX 78045 Phoenix, AZ 85062-8045 075 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI(2484I TTY-heannn imnaired services only 1-800-325-2865 Page 2 of 3 Account Summary Trans. Post date date Description Payments, Credits and Adjustments 09/15 ONLINE PAYMENT, THANK YOU 70 OOOOUS 0000 09/I0 09/10 SAFEWAY It3095 SAN JOSE CA FBOSPICW 71 N5411USA 2222 Standard Purchases 08/25 DQNQSS44 08/25 PES*CLOUDSERVICE SHENZHEN CHN 61 A5719CHN 2222 5,759.36 YUAN RENMINBI V2DVF665 08/29 61 A4215USA 2222 08/29 N01HING BUNDT CAKES 40 SAN JOSE CA CXLWTX40 61 A5462USA 2222 08/30 08/30 MCDONALD'5 F5667 SAN JOSE CA 84MCLKYL 61 A5814USA 2222 08/30 08/30 QUIK STOP II0094 QBO SAN JOSE CA LX35CJPB 61 A5542USA 2222 08/30 08/30 WAL-MART d5884 SAN JOSE CA CV122HLB 61 A5411USA 2222 09/05 09I'05 THE ART OF BBQ SAN JOSE CA 08/28 08/28 POSTAL ANNEX12011EVE SAN JOSE CA Amount -$ 502.88 -$15 28 $ 846 59 $12.86 $4 50 $ 6 86 $48.05 $ 89.88 $ 65 65 AADVANTAGEe MILES EARNED THIS PERIOD: 2,604 Purchase Bonus 2 483 121 Accumulated This Period 2,604 i) Visit Ba.,com/aadvantage to redeem miles, boots flights and much more Amencan Airlines reserves the right to change the AAdvaniage program and ds termsand conditions at any time without notice, and to end the AAdvantage program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless speofied, AAdvantage miles earned through this promotion/offer do not count toward elite- status quahfication or Million MilerSM status. Amencan Airlmes is not responsible for products or serwces offered by other participating compames. For complete details about the AAdvantage program, wsit www.aa corn/aadvaniage Amencan Airlines, AAdvantage and AAdvantage Million Miler are trademarks of Amencan Airlines, inc. J53CGSS5 61 A5812USA 2222 09/05 09/05 WEB CLUB LEGENDARY DOM LA ALTAGRACIA DOM 93FG9510 61 A7012DOM 2222 09/06 09/06 DTV*DIRECTV SERVICE 800-347-3288 CA $103.83 $215.06 OODOHVS5 09/07 61 A4899USA 2222 09/07 MI PUEBLO WHITE RD/SAN SAN JOSE CA $ 111. 67 SW28CQCR 61 A5411USA 2222 09/07 09/07 SEARS AUTO CNTR 6838 SAN JOSE CA $ 649.24 DW9GICKL 61 A5532USA 2222 09/10 09/10 SAFEWAY f13095 SAN JOSE CA $ 80.20 JNS5NlCW 61 A5411USA 2222 09/18 09/18 VIVINT INC/US 8002165232 UT 61 A7393USA 2222 09/19 Spotify USA New York NY GQT22FD2 09/19 DFDG7PIB 61 A4899USA 2222 09/18 09/18 VIVINT INC/US 8002165232 UT PGFM5FD2 61 A7393USA 2222 $45.99 $ 59.99 $14 99 09/19 03'VBQD2 09/20 09/19 SJ MERCURY NEWS CIRC 4089Z05000 CA 61 A7311USA 2222 09/20 CLARK PEST CONTROL LODI CA $9.99 $ 83 00 T6HBN9$ 5 61 A7342USA 2222 09/22 09/22 AUTO PRIDE CAR WASH SAN JOSE CA $ 49 99 XBIZHGBR 61 A7542USA 2222 Fees charged Total fees charged in this billing period 50.00 Interest charged Date Descnption Amount 09/25 INTEREST CHARGED TO STANDARD PURCH $236.54 076 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI(2484) TTV-heannn-imoaired services only 1-800-325-2865 Page 3 of 3 Interest char(jed, cont'd Date Descnption 00000000 84 0000 Total interest charged in this billing period Amount $236.54 2018 totals year-to-date Total fees charged in 2018 Total interest charged in 2018 $145.00 $ 1,064.89 Interest charqe calculation IDays in biihng cycle: 33 Your Annual Percentage Rate (APR) is the annual mterest rate on your account. Balance type PURCHASES Standard Purch ADVANCES [ Standard Adv Annual percentage Balance subject rate (APR) to interest rate Interest charge 13.74% (V) $19,043.33 (D) $236.54 21.74% (V) $ 0.00 (D) $ 0 00 Your Annual Percentage Rate (APRl is the annual interest rate on your account. APRs followed by (V) may vary Balances followed by (D) are determmed by the daily balance method (including current transactions) Account messaqes Remember, any charges above your revolwng credit limit MUS) BE PAID IN FULL by your statement's payment due date. The minimum payment due displayed on this statement includes your past due, the purch/adv minimum payment due, and transactions that exceed your revolving credit line. 077 SITE:KC-CL TM:CO-5000 ACID:IR86450 06/06/20 Ih54:22 LUIS C GONZALES Member Since 1990 Account number ending in'508 Billmg Period.09/26/18-10/23/18 www.citicards.corn Customer Service I-888-766-C IT)(2484) TTY-heanng-impaired services only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 OCTOBER STATEMENT Minimum payment due: $ 510.67 New balance Bs of 10/23/18: S19,605.34 Payment due date: 11/21/1 8 See the last paae of this statement for important mformation about how to avoid paying interest on purchases. Late Payment Warninq:If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 37 and your APRs may be increased up to the Penalty APR of 29.99%. Minimum Payment Warninq;If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For x mple'ccount Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance $19,60049 -$600.49 -$0.00 +$396.01 +$ 0.00 +$0.00 +$209.33 $19,605.34 You are over your credit limit. Please pay at least the minimum payment due, which includes an overlimit amount of $105.34. If you make no additional charges using this card and each month you pay... Only the minimum payment 29 year(s) $ 41,236 You will payoff the 'nd you will end up balance shown on this paying an estimated statement in about... total of... Credit Limit Revolving Credit limit Includes $ 8,700 cash advance limit $19,500 $ 670 3 year(s) $24,120(Savinqs=$17,116) For information about bred&I counseling services, can)-877-337-8187. AAdvantageCs) Miles Earned this period: 396 Minimum payment due New balance Payment due date $510.67 $19,605.34 11/21/1 8 Amount enclosed: Account number endinq in 250B LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148-2168 C IT) CARDS PO BOX 78045 Phoenix, AZ 85062-8045 078 www.citicards.corn LUIS C GONZALES Customer Service 1-888"766-CITI(2484) TTY-hr arinnnmoaired serwces only 1-800-325-2865 Page 2 of 3 Account Summary Trans. Post date date Description Payments, Credits and Adjustments 10/09 ONLINE PAYMENT, THANK YOU 70 OOOOUS 0000 6N73RJD2 10/13 61 A7311USA 2222 10/13 DTV*DIRECTV SERVICE 800.347-3288 CA *X4*68$5 61 A4899USA 2222 10/16 10/16 Spotdy USA New York NY OLOSJAHG 10/I 6 61 A4899USA 2222 10/16 V IV INT INC/US 8002165232 UT DFSNJYD2 61 A7393USA 2222 10/17 10/17 VIVINT INC/US 8002165232 UT SBDHMYD2 10/22 SL31JGBR 61 A7393USA 2222 10/22 AUTO PRIDE CAR WASH SAN JOSE CA 61 A7542USA 2222 Fees charged Total fees charqed in this billing period Standard Purchases 10/12 10/12 SJ MERCURY NEWS CIRC 4089205000 CA Amount -$600.49 $9 99 $215 06 $14.99 $45 99 $ 59.99 $49 99 $0.00 AADVANTAGEo MILES EARNED THIS PERIOD: 396 Purchase 396 Accumulated This Period 396 1) Visit Be.corn/BB(lvantage 'to redeem miles, book flights Bhd much more Amencan Airbnes reserves the nght to change the AAdvantagee proqram and its terms and conditions at any time without notice, and to end the AAdvantaqe program with six months notice. Any such changes may affect your abdity to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer do not count toward elite. status qualification or Million MderSM status American A&rlmes is not responsible for products or serwces offered by other participating companies. For complete details about the AAdvantage program, visit www aa.corn/aadvantage American Airbnes, AAdvantage and AAdvantage Million Miler are trademarks of Amencan Airlines, Inc. Interest charged Date Descnption 10/23 INTEREST CHARGED TO STANDARD PURCH Amount $209 33 00000000 84 0000 Total interest charged in this billinq period $209.33 2018 totals year-to-date Total fees charged in 2018 1 otal interest charged in 2018 $145.00 $1,274,22 Interest charge calculation Days m bdbng cycle: 28 Your Annual Percentage Rate (APR) is the annual mterest rate on your account. Balance type PURCHASES Annual percentaqe Balance subject rate (APR) to interest rate Interest charqe Standard Purch ADVANCES 13.99% (V) $19,504 67 (D) $209 33 Standard Adv 21 99% (V) $0.00 (D) $ 0 00 Your Annual Percentage Rate (APR) is the annual rnterest rate on your account. APRs followed by (V) may vary Balances followed by (D) are determmed by the daily balance method (mcludmg current transactions). Account messages Remember, any charges above your revolving credit limit MUST BE PAID IN FULL by your statement's payment due date. The minimum payment due displayed on this statement includes your past due, the purch/adv minimum payment due, and transactions that exceed your revolving credit line. 079 www.citicards.corn LUIS C GONZALES Customer Service 1.888.766-CITI(2484I TTY-hearino-irnoaired services only 1-800-325-2865 Page 3 of 3 2018 Citibank, N.A. 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. American Airlines, AAdvantage and AAdvantage Million Miler are trademarks of Amencan Airlines, Inc. 080 SITE'KC-CL TM:00.5000 ACID:IR86450 06/06/20 0;54:22 LUIS 0 GONZALES Member Since 1990 Account number ending in: 2508 Billing Period: IO/24/18-11/23/18 www.citicards.corn Customer Service I-888-766-CITI(2484) TTY-heanng-impaired services only I-800-325-2B65 BOX 6500 SIOUX FALLS, 50 57117 NOVEMBER STATEMENT Minimum payment due: $424.37 New balance as of 11/23/1 8: $19,426.86 Payment due date: 12/21/1 8 See the last pane of this statement for important information about how to avoid paying interest on purchases. Late Payment Warning:If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 37 and your APRs may be mcreased up to the Penalty APR of 29.9952 Minimum Payment Warning:If you make only the minimum payment each penod, you will pay more m interest and it will take you longer to pay off your balance. For example: Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance Credit Limit Revolwng Credit limit Includes $ 8,700 cash advance limit $19,605.34 -$ 805.34 -$0.00 +$396.49 +$0.00 +$0.00 +$230.37 $19,426.86 $19,500 If you make no additional charges using this card and each month you pay... You will pay off the balance shown on this statement in about... And you will end up paying an estimated total of... Available Revolving credit $73 Includes $73 available for cash advances Only the minimum payment 29 year(s) $40,956 $ 664 3 year(s) $23,904 (Savings=$17,052) For information about credit counsekng services, cail 1-877-337-8)87 AAdvantage Miles Earned this penod: 396 Minimum payment due New balance Payment due date $424.37 $19,426.86 12/21/1 8 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148-2168 CITI CARDS PO BOX 78045 Phoenix, AZ 85062-8045 081 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITH2484) TTY-heannn-impaired services only I 800 325 2865 Page 2 of 3 Important Changes to Your Account Terms The following is a summary of changes being made to your account terms. These changes will take effect on 01/24/'19. For more information, please see "Details About the Changes" below. You have the nght to relect these chanqes. However, if you relect these changes, you will no lonqer be able to use your account for new transactions. You can reject the changes by calling us at 1-866-915-9424 by 01/24/19. Revised Terms as of 01/24/19 Late Fee j Upto$39 Returned Payment Fee i Upto$39 Details About the Changes: The following paragraphs replace the corresponding paragraphs in Section 4 of your Card Agreement in the "Fees" section. Late Fee: Up to $39. We have the right to charge you a late fee if you don't pay at least an amount equal to the Minimum Payment Due minus any Qverlimit Amount by the payment due date. The late fee is $ 28 and, if you make another Late Payment Within the next 6 Billing Periods the late fee will be $ 39. The amount of your late fee will never be higher than your Mimmum Payment Due. Returned Payment Fee; Up to $ 39. We have the nght to charge you a Returned Payment fee of $ 28 if your bank doesn't honor your payment. If that happens, we'l resubmit the payment request. If your bank doesn' honor another payment within 6 consecutive Billing Penods, the Returned Payment fee will go up to $ 39. This amends your Card Agreement. Please keep this information for future reference. AADVANTAGEe MILES EARNED THIS PERIOD: 396 Purchase 396 Accumulated This Period 396 && Visit aa.corn/aadvantage to redeem miles, book flights and much more American Airlines reserves the nght to change the AAdvantaqeCxf program and its termsand conditions at any time without notice, and to end the AAdvantage program with six months notice. Any such changes may affect your abikty to use the awards or mileage credits that you have accumulated. Unless speafied, AAdvantage miles earned through this promotion/offer do not count toward elite- status qualification or Million MilerSM status. American Airlines is not responsible for products or serwces offered by other participating companies. For complete details about the AAdvantage program, visit www.aa.corn/aadvantaqe Amencan A irk nes, AAdvantage and AAdvantage Million Miler are trademarks of American Airlines, Inc. Account Summary Trans. Post date date Description Amount Payments, Credits and Adjustments 8/05 ONLINE PAYMENT, THANK YOU 70 OOOOUS 0000 $ 805 34 Standard Purchases 11/05 11/05 SJ MERCURY NEWS CIRC 4089205000 CA $ 9.99 49ZL3ZD2 61 A7311USA 2222 11/06 11/06 DTV*DIRECTV SERVICE 800-347-3288 CA $215.06 VL98KAV5 61 A4899USA 2222 11/11 11/11 AUTOPAY/DISH NTWK 8003333474 CO $ 0.48 2DDFDDBL 11/1 5 61 A4899USA 2222 11/15 Spotify USA New York NY $14 99 NDNCTIND 61 A4899USA 2222 11/16 11/16 VIVINT INC/US 8002165232 UT $ 45 99 2QVYRYD2 61 A7393USA 2222 11/17 11/17 VIVINT INC/US 8002165232 UT $ 59.99 FZ M IN I Z D2 61 A7393USA 2222 11/22 FL13J0 BR 11/22 AUTO PRIDE CAR WASH SAN JOSE CA 61 A7542USA 2222 $49.99 082 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI(2484) TTY-hi anno imoaired services only 1-800-325-2865 Page 3 of 3 Fees charged Total fees charged in this billing period So.oo Interest charged Date ~ escnption 11/23 INTEREST CHARGED TO STANDARD PURCH 00000000 84 0000 Total interest charged in this billing period Amount $230 37 $230.37 2018 totals year-to-date Total fees charged in 2018 Total interest charged in 2018 $ 145.00 $ 1,504.59 Interest charge calculation Days m bilbng cycle: Your Annual Percentage Rate (APR) is the annual interest rate on your account Balance type PURCHASES Standard Purch ADVANCES Standard Adv Annual percentage Balance subject rate (APR) to interest rate Interest char 13 99% (V) $ 19 387.84 (D) $230. 21 99% (V) $ 0 00 (D) $ 0 Your Annual Percentage Rate (APR) is the annual mtercst rate on your account. APRs followed by (V) may vary Balances followed by (D) are determined by the daily balance method (including current transactions). Account messages Remember, any charges above your revolwng credit hmit MUST BE PAID IN FULL by your statement's payment due date. 20IB Citibank, N.A. 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. Amencan Airlines, AAdvantage and AAdvantage Million Miler are trademarks of American Airlines, Inc. 083 SITE:KC-CL TM:CO-5000 ACID:IRB6450 06/06/20 D.5xh22 LUIS C GONZALES Member Since 1990 Account number ending in: 2508 Billing Pened 11/24/18-12/25/18 www.citicards.corn Customer Service I-888-766-CITI(2484) TTY-hearing-impaired services only 1-800-325 2865 BOX 6500 SIOUX FALLS, SD 57117 DECEMBER STATEMENT Minimum payment due: $194.32 New balance as of 12/25/18: $1,668.82 Payment due date: 01/21/19 To avoid paying interest on purchases, you should pay $1,668.82 by the due date. Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 37 and your APRs may be increased up to the Penalty APR of 29.99%. Minimum Payment Warning:If you make only the minimum payment each pened, you will pay more in interest and it will take you longer to pay off your balance. For example: Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance Credit Limit Revolving Credit limit Includes $ 8,700 cash advance limit $19,426.86 -$38,485.99 -$0.00 +$20,550.63 +$0.00 +$0.00 +$177.32 $1,668.82 $19,500 If you make no additional I You will pay off the charges usmg this card balance shown on this and each month you pay... statement in about... Only the minimum payment 8 Vearfs) And you will end up paymg an estimated total of... $2,600 Available Revolving credit $17,831 Includes $ 8,700 available for cash advances For mformalion about credit counseling services, cail 1-877-337-BIB7. AAdvantage Miles Earned this penod. 20,879 Minimum payment due New balance Payment due date $194.32 $1,668.82 01/21/19 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148.2168 CITICARDS PO BOX 78045 Phoenix, AZ 85062-8045 064 www.citicards.corn LUIS 0 GONZALES Customer Service I-888-766-CITI&2484& TTY-hr annn-imnaired services only 1-800-325.2865 Page 2 of 4 Account Summary Trans. Post date date Descnption Payments, Credits and Adjustments 12/05 12/I 5 12/1 8 12/20 ONLINE PAYMENT, 1 HANK YOU 70 OOOOUS 0000 ONLINE PAYMENT, THANK YOU 70 OOOOUS 0001 ONLINE PAYMENT, THANK YOU 70 OOOOUS 0000 ONLINE PAYMENT, THANK YQU 70 QQOOUS 0001 Standard Purchases 11/30 11/30 G3YHJJD2 12/06 12/06 MTNKBSS5 SJ MERCURY NEWS CIRC 4089205000 CA 61 A7311USA 2222 DTV*DIRECTV SERVICE 800.347.3288 CA 61 A4899USA 2222 RNPX5LCV 12/12 12/12 TX3BK39L 61 A5411MEX 2222 1,886.31 MEXICAN PESO AUTOPAY/DISH NTWK 8003333474 CO 61 A4899USA 2222 12/1 5 12/15 Spotify USA New York NY 12/12 12/12 CHEDRAUI 5 3 CBO CA178 LOS CABOS BCS MEX Amount .$ 424.37 -$19,330 66 .$ 512.74 -$18,218 22 $9.99 $215.06 $94 33 $ 8.79 $14.99 AADVANTAGE'ILES EARNED THIS PERIOD: 20,879 Purchase Bonus 20,551 328 Accumulated This Period 20,879 » Visit Ba.com/aadvantatje to redeem miles, book flights and much more Amencan Airlines reserves the nght to change the AAdvantageip program and its termsand conditions at any time without notice, and to end the AAdvantage program with six months notice. Any such changes may affect your abihty to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer do not count toward ehte status quahfication or Milhon MilerSM status American Airlines is not responsible for products or serwces offered by other partiopatmg companies. For complete details about the AAdvantage program, visit www aa.corn/aadvantage Amencan Airlines, AAdvantage and AAdvantage Million Miler are trademarks of Amencan Airhnes, Inc. 2PPYHTOO 12/I 5 12/I 5 61 A4899USA 2222 RESTAURANT TANGA TANGA LOS CABOS BCS MEX 21GQIFCV 61 A5812MEX 2222 12/1 5 JGY3K2TO 12/I 5 520.00 MEXICAN PESO FRG" MLBSHOP.COM 8886527467 FL 61 A5699USA 2222 $25.65 $162.53 12/15 12/15 middleshop.site shen zhen shi CHN $309.57 Y38DTK6$ 61 A8043CHN 2222 12/17 12/17 VHJPORYV 12/17 12/17 WAL MART LOS CABOS LOS CABOS BCS MEX 61 A5411MEX 2222 25.90 MEXICAN PESO WAL MART LOS CABOS LOS CABOS BCS MEX $1.29 GY9PORYV 61 A5411MEX 2222 154.32 MEXICAN PESO $7.69 12/17 WB9*YGNV 12/17 LA EUROPEA LOS CABQS BCS MEX 61 A5921MEX 222Z 450.66 MEXICAN PESO $22.45 12/17 12/17 BPSXRNIX HOME DEP07 LOS CABOS LQS CABOS BCS MEX 61 A5311MEX 2222 1,071.18 MEXICAN PESO 12/17 12/17 COSTCO LOS CABOS LOS CABOS BCS MEX $53 36 FZ3NSP5F 12/18 12/18 9FYCSYDZ 61 A5300MEX 2222 1,842.76 MEXICAN PESO VIVIN1 INC/US 8002165232 UT 61 A7393USA 2222 $92.21 $ 45.99 12/18 12/18 VIVINT INC/US 8002165232 UT $ 59.99 SQBHWYD2 12/I 8 BIW4HSQO 12/1 8 61 A7393USA 2222 EL 2IPPER LOS CABOS BCS MEX 61 A5812MEX 2222 550.00 MEXICAN PESO $27 45 12/18 12/18 SMC*SF FORTY NINERS 415-464-9377 CA $18,000 00 085 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CIT I(24841 TTY-heannn-imnaired serwces only 1-800-325-2865 Page 3 of 4 Standard Purchases,cont'd Trans. date WHXBORS5 Post date Doscnption 61 A7922USA 2222 Amount 12/19 12/19 DSNX5LCV 12/19 12/19 XL96MZDZ CHEDRAUI 5 J CBO CA178 LOS CABOS BCS MEX 61 A5411MEX 2222 223.10 MEXICAN PESO $ 11.1 6 PUBLISHERS CLEARINGHOU 8005664724 NY $25.08 61 A5968USA 2222 12/I 9 WF5N5P5F 12/19 COSTCO LOS CABOS LOS CABOS BCS MEX 61 A5300MEX 2222 1,621.57 MEXICAN PESO $ 81.71 12/19 12/19 GDYF*BOO GRAND VELAS LC PIAF LOS CABOS BCS MEX 61 A7011MEX 2222 620.00 MEXICAN PESO $31.24 12/20 7ZX48QCR 12/20 WYRTD665 12/20 3N14C1*L 12/20 12/20 12/20 PANDA EXPRESS f1498 LAS VEGAS NV 61 A5814USA 2222 DESERT CAB LAS VEGAS NV 61 A4121USA 2222 THE VENETIAN BELLINi LAS VEGAS NV 61 A5813USA 2222 $12.02 $ 31,08 $90.94 12/21 12/21 3R2YCWHQ CLARK PEST CONTROL LODI CA 61 A7342USA 2222 583.00 12/21 BQFKS3TO 12/21 FRG*FANATICS.COM 8778337397 FL 61 A5699USA 2222 $150.72 12/21 12/21 OXNINVI5 12/21 12/21 3 "1354V5 THE DISNEY STORE 11382 LAS VEGAS NV 61 A5947USA 2222 EL SEGUNDO SOL LAS VEGAS NV 61 A5812USA 2222 $ 82.26 $125.01 12/22 *5328955 12/22 *BIGBS*B 12/22 LN*6J4MB 12/22 12/22 12/22 Amazon.com*M26594QLI Amzn.corn/bill WA 61 A5942USA 2222 CACHE CREEK GIFT SHOP BROOKS CA 61 A5947USA 2222 BURGER KING u2838 Q07 FAIRFIELD CA 61 A5814USA 2222 $217idl 52.67 $8.53 12/22 12/22 FVXIYL50 STARBUCKS LOBBY LAS VEGAS NV 61 A5814USA 2222 526.79 12/22 V764JGBR 12/22 AUTO PRIDE CAR WASH SAN JOSE CA 61 A7542USA 2222 $ 49.99 12/22 12/22 *CBWSNOJ PARK N TRAVEL SAN JOSE CA 61 A7523USA 2222 $31.45 iZ/23 SY9RJKYL I Z/23 MCDONALD'513632 SAN JOSE CA 61 A5814USA 2222 $11.45 12/23 12/23 DOLLARTREE SAN JOSE CA 519.50 KY2RKDOO 12/24 12/24 PBRSZJD2 61 A5331USA 2222 SJ MERCURY NEWS CIRC 4089205000 CA 61 A7311USA 2222 $9.99 12/24 12/24 HZMBOTHQ OFFICE DEPOT P698 SAN JOSE CA 61 A5943USA 2222 $16 35 12/24 ZM588WH5 12/24 BEVERAGES & MORE d105 SAN JOSE CA 61 A5921USA 2222 $280.94 Fees charqed Total fees charged in this billing period 50.00 086 www.citicards.corn LUIS 0 GON2ALES Customer Service 1-888-766-CIT I(2484) T) Y hr annn imoalred serwces only 1-800-325-2865 Page 4 of 4 Interest charged Date Description 12/25 INTEREST CHARGED TO 51ANDARD PURCH 00000000 84 0000 Total interest charged in this billing period Amount $177.32 $177.32 2018 totals year-to-date Total fees charged in 2018 Total interest charged in 2018 $145.00 $1,681.91 Interest charge calculation Days m bdlmg cycle: 32 I Your Annual Percentage Rate (APR) is the annual interest rate on your account. Balance type Annual percentage Balance subject rate(APR) to interest rate Interest charge PURCHASES Standard Purch 14.24% (V) $14,205.04 (D) $177.32 ADVANCES Standard Adv 22.24% (V) $ 0 00 (D) SO.OQO Your Annual Percentage Rate &APR) is the annual interest rate on your account APRs followed by (V) may vary. Balances followed by (D) are determined by the daily balance method (mcluding current transactions). Account messages Remember, any charges above your revolving credit limit MUST BE PAID IN FULL by your statement's payment due date. 2018 Citibank, N.A. 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. American Airlines, AAdvantage and AAdvantage Million Miler are trademarks of American Airlines, Inc. 087 SITECNC-CL TM:CO-5000 ACID:IR86450 06/06/20 ID54:22 LUIS C GONZALES Member Since1990 Account number ending in 2508 Billing Penod:12/26/18-01/23/19 www.citicards.corn Customer Service I-888-766-CIT I(2484) TTY-hearing-impaired services only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 JANUARY STATEMENT Minimum payment due: $256.00 New balance as of 01/23/19I $ 17,036.59 Payment due date: 02/21/19 To avoid paymg interest on purchases, you should pay $17,036.59 by the duedate. Late Payment Warning: If we do not receive your rninirnum payment by the date listed above, you may have to pay a late fee of up to $ 39 and your APRs may be increased up to the Penalty APR of 29 99% Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance $ 1,668.82 .$ 6,588.23 -$65.00 +$ZZ,OZ1.00 +$0.00 +$ 0.00 +$0 00 $17,036.59 For mformation about credit counsebng serwces, call I-877-337 8187 Credit Limit Revolving Credit hmit $19,500 Includes $ 8,700 cash advance limit Available Revolving credit $ 2,463 Includes $2,463 available for cash advances AAdvantage Miles Earned this period: 21,956 Minimum payment due New balance Payment due date $256.00 $17,036.59 02/21/1 9 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148 2168 CITI CARDS PO BOX 78045 Phoenix, AZ 85062.8045 088 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CITI12484) TTY-heannnnmoaired servires only I 800-325-2865 Paqe 2 of 3 Account Summary Trans. Post date date Description 01/03 ONLINE PAYMENT, THANK YOU 70 OQOOUS 0000 Payments, Credits and Adjustments Amount -$ 690.69 AADVANTAGEe MILES EARNED THIS PERIOD: 21,956 Purchase 21,956 Accumulated This Period 21,956 01/09 0 1/10 01/12 01/I 8 01/04 01/04 DCH222TO 12/26 2 8 X 7 0 FIG 12/26 78XTOFIO 01/03 FVTNLFIO 12/26 12/26 01/03 01/06 01/06 NVSFPTS5 Standard Purchases ONLINE PAYMENT, THANK YOU -$1,553.89 70 OOOOUS 0000 ONLINE PAYMENT, THANK YOU .$2,089.80 70 OQOQUS 0000 ONLINE PAYMENT, THANK YQU 70 OOOOUS 0000 ONLINE PAYMENT, THANK YOU -$64.59 .$2,189.26 70 OOOOUS 0000 FRG'FANATICS.COM 8778337397 FL -$ 65.00 71 N5699USA 2222 WEB CLUB LEGENDARY DOM LA ALTAGRACIA 61 A7012DQM 2222 DTV*DIRECTV SERVICE 800-347-3288 CA 61 A4899USA 2222 DOM $103.83 $ 215.06 WEB CLUB LEGENDARY DOM LA ALTAGRACIA DOM $103.83 61 A7012DOM 2222 DOM SZ18.04WEB CLUB LEGENDARY DOM LA ALTAGRACIA 61 A7012DQM 2222 B Visit Ba.corn/Badvantage 'to redeem miles, hoofs fiiqhts Bnd much more American Airlines reserves the right to change the AAdvantagee program and its terms and condihons at any time without notice, and to end the AAdvantagen program with six months notice. Any such changes may affect your abihty to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer do not count toward elite- status qualification or Million MilerSM status. Amencan Airlmes is not responsible for products or services offered by other participating companies. For complete details about the AAdvantage program, wsit www aa.corn/aadvantage Amencan Airhnes, AAdvantage and AAdvantage Million Miler are trademarks of Amencan Airlines, Inc. 01/07 NC4"JJ"2 01/08 MNPS9THQ 01/07 01/08 Renewal by Andersen of HAYWARD CA 61 A1799USA 2222 SILVERSCRIPT INS CO 866-235-5660 AZ 61 A8099USA 2222 $2,026.50 $ 63.30 01/08 JNX2V9LL 01/08 KMART COM 7840 8006765543 IL 61 A5310USA 2222 $ 64 59 01/11 Q4RFZSBL 01/I 2 260HQIV5 01/11 01/12 AUTOPAY/DISH NTWK 8003333474 CO 61 A4899USA 2222 SMC*SF FORTY NINERS 415-464 9377 CA 61 A7922USA 2222 $41.79 $19,000.00 01/I 5 01/I 5 LZLRPJOO Spotify USA New York NY 61 AII899USA 2222 $14.99 01/1601/16 C58KNYD2 01/1701/I r M69XMYDZ VIVINT INC/US 8002165232 UT 61 A7393USA 2222 VIVINT INC/US 8002165232 UT 61 A7393USA 2222 $45.99 $ 59.99 01/22 01/22 3NC5JGBR 01/23 01/23 MGRSG9$5 AUTO PRIDE CAR WASH SAN JOSE CA 61 A7542USA 2222 Amazon.corn MB54U7132 Amzn.corn/bill WA 61 A5942USA 2222 $49.99 $13 10 Fees charged Total fees charqed in this billinq period $0.00 Interest charged Total interest charged in this billinq period $0.00 089 www.citicards.corn LUIS C GONZALES Customer Service I-888-766-CIT I(2484) Tl Y-hi *nnn-imoaired serwces only 1-800.325 2865 Page 3 of 3 2019 totals year-to-date Total fees charged in 2019 1otal interest charged in 2019 $0.00 $0.00 Interest charge calculation Days in billing cycle 29 Your Annual Percentage Rate (APR) is the annual interest rate on your account Balance type Annual percentage Balance subject rate (APR) te interest rate Interest charge PURCHASES Standard Purch ADVANCES Standard Adv 1424/o (V) $ 0.00 (D) 22 24o/v (V) $ 0 00 (D) $0.00 $ 0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs 1'oilowed by (i/) may vary. Balances followed by (D) are determmed by the daily balance method (including current transactions) Account messages Remember, any charges above your revolving credit limit MUST 8E PAID IN FULL by your statemeni's payment due date. Or2018 Citibank, N.A. 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. American Airlmes, AAdvantage and AAdvantage Million Miler are trademarks of Amencan Airhnes, Inc. 090 SITE:KC CL TM:CO-5000 ACID:IRB6450 06/06/20 IB54;22 LUIS C GONZALES Member Since1990 Account number ending in: 2508 Billing Period: 01/24/19-02/25/19 FEBRUARY STATEMENT Minimum payment due: 5730.85 New balance as of 02/25/19: 519,835.40 Payment due date: 03/21/19 See the last pane of this statement for important information about how to avoid paying mterest on purchases. Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 39 and your APRs may be increased up to the Penalty APR of 29.99% Minimum Payment Warning: if you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance $17,036.59 -$15,320.42 -$ 13 10 +$17,934.88 +$0.00 +$0.00 +$197.45 $19,835.40 www.citicards.corn Customer Service I-888-766-CITI(2484) TTY-heanngnmpaired services only 1-800-325 2865 BOX 6500 SIOUX FALLS, SD 57117 you are over your credit limit. Please pay at least the minimum payment due, which includes an overlimit amount of $335.40. If you make no additional charges using this card and each month you pay... you will pay off the balance shown on this statement in about... And you will end up paying an estimated total of... Credit Limit Revolwng Credit limit Includes $ 8,700 cash advance lim&t $19,500 Only the min&mum payment 29 year(s) $41,709 For mformation about credu counselmg services, call 1-877.337.8187 AAdvantage Miles Earned this penod: 18,093 Minimum payment due New balance Payment due date $730.85 5'19,835.40 03/21/19 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148-2168 C I 7 I 0A R D 5 PO BOX 78045 Phoenix, AZ 85062.8045 091 www.citicards.corn LUIS C GONZALES Customer Service 1.888-766.CITI(2484& TTY-hi *rinn-imnaired services only I 800-3Z5 2865 Page 2 of 3 Account Summary Trans. Post date date Descnption Payments, Credits and Adjustments 02/01 ONLINE PAYMENT, THANK YOU 70 OOOOUS 0001 01/25 01/25 Amazon.corn Amzn.corn/bill WA "XRY2RS5 71 N5942USA 2222 Standard Purchases 01/23 H4394ZD2 01/23 XXWGCDS5 01/23 BYV BDS5 01/24 01/24 01/24 01/2zl 01/24 WYDFJJ*2 01/28 01/28 328LMSQW Renewal by Andersen of HAYWARD CA 61 A1799USA 2222 AMERICAN00123336835904 8004337300 TX 61 A3001USA 2222 NAME. QUITORIANO/KARISA DEPART'2/23/19 5JD TO PHX 'A: CLASS': STOP:0 PHX TO SJC: AA: CLASS: Y: STOP X SJ MERCURY NEWS CIRC 4089205000 CA 61 A7311USA 2222 AMZN Mktp US'MB3MX6QPI Amzn.corn/bill WA 61 A5942USA 2222 Amazon.com*M85T54P82 Amzn.corn/bill WA 61 A5942USA 2222 Amount -$15,320.42 -$13.10 $9.99 $12. 88 $43. 69 $ 2,026.50 $ 56.86 AADVANTAGEe MILES EARNED THIS PERIOD: 18,093 Purchase Bonus Accumulated This Period 17,922 171 18,093 » Visit aa.corn/aadvantafje 'to redeem mites, book ftights and much more Amencan Airlines reserves the right to change the AAdvantage program and its termsand conditions at any time without notice, and to end the AAdvantager'& program with sfx months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer do not count toward elite- status quabfication or Million MilerSM status. American Airbnes is not responsible for products or services offered by other participating companies For complete details about the AAdvantage program, visit www.aa corn/aadvantage Amencan Airbnes, AAdvantage and AAdvantage Million Miler are trademarks of Amencan Airlines, Inc. 01/28 BZBLMSQW 01/28 01/28 01/28 AMERICAN00123336835915 8004337300 TX 61 A3001USA 2222 NAME: QUITORIANO/JUL CHD DEPART 02/23/19 SJD TO PHX: AA: CLASS: Y: STOP.O PHX TO SJC . AA: CLASS. Y STOP:X AMERICAN00123336835926 8004337300 TX $ 56.86 $ 56.86 KZBLMSQW 01/28 01/28 PMC8722P 02/02 02/02 6PNCCDS5 61 A3001USA 2222 NAME: QUITORIA ~ 0/KAL CHD DEPAR1: 02/23/19 5JD TO PHX 'A: CLASS. Y . STOP:0 PHX TO SJC: AA. CLASS Y: STOP:X ALASKA A0272117287031 8006545669 WA 61 A3256USA 2222 NAME: OUITORIANO/JULIAN DEPART 02/11/19 SJC TO SJD AS. CLASS: W: STOP Amazon.com*M82D93RLI Amzn.corn/bill WA 61 A5942USA 2222 $33.29 $35.97 02/02 'GSXPQSS 02/02 SAN FRAN 49ERS 415-464-9377 CA 61 A7922USA 2222 $5,328.84 02/02 02/02 SAN FRAN 49ERS 415-464 9377 CA $10,130.16 JGSXPQS5 02/ZZ MDBBYYD2 02/22 61 A7922USA 2222 SJ MERCURY NEWS CIRC 4089205000 CA 61 A7311USA 2222 S9 99 02/22 02/22 OML6JGBR AUTO PRIDE CAR WASH SAN JOSE CA 61 A7542USA 2222 $ 49 99 DZ/22 02/22 C6MNJVHQ CLARK PEST CONTROL LODI CA 61 A7342USA 2222 $ 83.00 092 www.citicards.corn LUIS 0 GONZALES Customer Service I-888-766-CITI(2484) 1TY-heannn-imnaired services only 1-800 325-2865 Page 3 of 3 Fees charged Total fees charged in this billing period $0.00 Interest charged Date Descnption Amount 02/25 INTEREST CHARGED 70 $1ANDARD PURCH $ 197 45 00000000 84 0000 Total interest charqed in this billinq period $197.45 2019 totals year-to-date Total fees charqed in 2019 Totalinterest charqed in 2019 $0.00 $ 197.45 Interest charge calculation Days m billing cycle: 33 Your Annual Percentage Rate (APR) is the annual mterest rate on your account Balance type PURCHASES Standard Purch ADVANCES I Standard Adv Annual percentage Balance subject rate (APR) to interest rate Interest charge 14 24% (V) $15,337 57 (D) $ 197f45, 22.24% (V) $ 0 00 (D) $ 0.00 Your Annual Percentage Rate (APR) is the annual interest rate an your account APRs followed by (V) may vary. Balances followed by (D) are determined by the daily balance method (includmg current transactions) Account messages Remember, any charges above your revolving credit limit MUST BE PAID IN FULL by your statement's payment due date. The minimum payment due displayed on this statement includes your past due, the purch/adv minimum payment due, and transactions that exceed your revolving credit line. 2018 Citibank, N.A. 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. Amencan Airlines, AAdvantage and AAdvantage Million Miler are trademarks of American Airlines, Inc. 093 SITErBC-CL 1 M:CO-5000 ACID:IR86450 06/06/20 8;54:22 LUIS C GONZALES Member Since1990 Account number ending m: 2508 Billing Period. 02/26/19-03/25/19 MARCH STATEMENT Minimum payment due: $1,433.48 New balance as of 03/25/19: S20,091.21 Payment due date: 04/21/19 See the last page of this statement for important information about how to avoid paying interest on purchases. You will pay off the balance shown on this statement in about... If you make no additional charges using this card and each month you pay... And you will end up paying an estimated total of... 29 year(s) JOnly the minimum payment $ 41,442 For information about credit counseling services, call 1-877 337 8188. Late Payment Warning:If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 39 and your APRs may be increased up to the Penalty APR of 29.99%. Minimum Payment Warning:If you make only the minimum payment each penod, you will pay more in interest and it will take you longer to pay off your balance. For example: Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance $19,835.40 -$0.00 .$0.00 +$9.99 +$0.00 +$28.00 +$217.82 $20,091.21 Credit Limit Revolving Credit limit Includes $ 8,700 cash advance limit $19,500 www citicards.corn Customer Service I-888-766-C IT)(2484) TTY-heanngnmpaired serwces only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 Your account is past due. Please pay at least the minimum payment due, which includes a past due amount of $395.45 and an overlimit amount of $ 591.21. AAdvantage Miles Earned this period; to Minimum payment due New balance Payment due date $1,433.48 $ 20,09'1.21 04/21/19 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148 2168 CITI CARDS PO BOX 78045 Phoenix, AZ 85062-8045 094 www.citicards.corn LUIS 0 GONZALES Customer Service I-888-766-CITI(2484) TTY-hearinn-imoaired services only I-BOO-325-2865 Page 2 oi 3 Account Summary Trans. Post date date Descrtption Amount Standard Purchases 03/22 03/22 SJ MERCURY NEWS CIRC 4089205000 CA VG9VSYD2 61 A7311USA 2222 $9.99 Fees charged Date Descnption 03/25 LATE FEE FEB PAYMENT PAST DUE 00000000 66 0000 Total fees charged in this billing period Amount $28.00 $28.00 NOTICE OF CHANGES TO YOUR INTEREST RATES You have triggered the Penalty APR of 29.990% by making a late payment and due to your credit performance This change wilf impact your account as follows Transactions made on or after 04/15/2019: As of 05/24/2019, the Penalty APR will apply to these transactions. We may keep the APR at this level indefmitely. Transactions made before 04/15/2019: Current rates will continue to apply to these transactions. However, if you become more than 60 days late on your account, the Penalty APR will apply to these transactions as well. AADVANTAGEa MILES EARNED THIS PERIOD: 10 Purchase Accumulated This Period 10 10 » Visit aa.corn/aacfvisntege to redeem miles, book flights and much more Amencan Airhnes reserves the nght to change the AAdvantageO program and its termsand conditions at any time without notice, and to end the AAdvantageO program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer do not count toward ehte- status quahf(cat&on or Mrllion MilerSM status. Amencan Atrlines is not responsible for products or services offered by other participating companies. For complete detads about the AAdvantage program, visit www.aa.comLaadvantage Amencan Airhnes, AAdvantage and AAdvantage Million Macr are trademarks of American Airlines, Inc Interest charged Date Descnption 03/25 INTEREST CHARGED TO STANDARD PORCH Amount $217.82 00000000 B4 0000 Total interest charqed in this billinq period $217.82 2019 totals year-to-date Total fees charged in 2019 Total interest charged in 2019 $28.00 $415.27 Interest charge calculation Days in billing cycle: 28 Ycw Annuai Percentage Rate (APR) &s the annual mierest rate on your account Balance type PURCHASES Annual percentaqe Balance subject rate (APR) to interest rate Interest charqe Standard Purch ADVANCES Standard Adv 14 24% (V) $19 941 64 (D) 22.24% (V) $0.00 (D) $217 82 SO.OO Your Annual Percentage Rate (APR) is the annual mterest rate on your account APRs followed by (V) may vary Balances foiiowed by (D) are determined by the daily balance method (mcludmg current transactions) Account messages Please note that if we received your pay by phone or online payment between 5 p.m, ET and midnight ET on the last day of your billing period, your payment will not be reflected until your next statement. Remember, any charges above your revolving credit limit MUST BE PAID IN FULL by your statement's payment due date. 095 www.citicards.corn LUIS C GONZALES Customer Service I"888.766-CI 7II2484) TTV-heanno-impaired services only 1-800-325-2865 Page 3 of 3 The minimum payment due displayed on this statement includes your past due, the porch/adv minimum payment due, and transactions that exceed your revolving credit line. 2018 Citibank, N.A. 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 American Airlines, AAdvantage and AAdvanlage Million Miler are trademarks of Amencan Airlines, Inc. 096 511E:KC-CL TM:CO.SOOO ACID:IR86450 06/06/20 lh54:22 LUIS C GONZALES Member Smce1990 Account number ending in; 2508 Bilimg Penod 03/26/19-04/23/19 APRIL STATEMENT Minimum payment due: $2,172.56 New balance as of 04/23/19: $20,358.75 Payment due date: 05/21/1 9 See the last pace of this statement for important mformation about how to avoid paymg interest on purchases. Late Payment Warning:If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 39 and your APRs may be increased up to the Penalty APR of 29.99t L Minimum Payment Warning:If you make only the mmimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance $ 20,091.21 -$0.00 -$ 0.00 +$ 0.00 +$0.00 +$39.00 +SZZB.54 $20,358.75 www citicards corn Customer Service 1-800-388-2200 TTY-hearingompaired serwces only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 Your account is past due. Please pay at least the minimum payment due, which includes a past due amount of $842.27 and an overlimit amount of $858.75. If you make no additional charges using this card and each month you pay... You will pay off the balance shown on this statement in about... Only the mmimum payment 28 year(si And you will end up paying an estimated total of... $41,15 5 Credit Limit Revolving Credit limit Includes $ 8,700 cash advance limit $19,500 For information about credit counseling services, call 1-877-337-8188. AAdvantage Miles Earned this period: 0 Minimum payment due New balance Payment due date $2,172.56 $20,358.75 05/21/1 9 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148.2168 CITI CARDS PO BOX 78045 Phoemx, AZ 85062-8045 097 www.citicards.corn LUIS C GONZALES Customer Service 1-800-388-2200 TTY-heannnumoaired serwces only 1-800-325-2865 Page 2 of 2 Account Summary Trans. Post date date Descnption Amount AADVANTAGEe MILES EARNED THIS PERIOD: Fees charged Date Descnption Interest charged Date Descnption 04/23 INTEREST CHARGED TO PUR PR-04/15/19 00000000 84 0000 Total interest charqed in this billinq period 2019 totals year-to-date Total fees charqed m 2019 Total interest charged in 2019 04/23 LATE FEE - MAR PAYMENT PAST DUE 00000000 66 0000 Total fees charged in this billinq period $67.00 $643.81 Amount $39.00 $39.00 Amount $228.54 $228.54 )& V&sit Be.corn/aedvantege to redeem miles, book flights ahd much more Amencan Airhnes reserves the nght to change the AAdvantage program and its terms and conditions at any time without notice, and to end the AAdvantagee program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated Unless specified, AAdvantage iniles earned through this promotion/offer do not count toward elite- status quahfication or Million MilerSM status Amencan Airhnes is not responsible for products or serwces offered by other participating companies For complete details about the AAdvantage program, visit www aa.rom/aadvantage Amencan Airhnes, AAdvantage and AAdvantage Million Miler are trademarks of American Airlines, Inc. Interest charge calculation Days in billing cycle: 29 Your Annual Percentage Rate (APR) is the annual mterest rate on your account Balance type Annual percentage Balance subject rate (APR) to interest rate Interest charge PURCHASES Standard Purch Pur Pr 041519 1424% (V) $ 0 00 (D) 14.Z4% (V) $ 20,201.32 (D) $ 0.00 $228.54 ADVANCES Standard Adv Z2.24% (V) $ 0.00 (D) $ 0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed by (V& may vary Balances followed by (D& are determined by the daily balance method (mcludinq current transactions) Account messages Important Information As a reminder, please refer to the back of your statement for details on how to avoid paying interest on purchases. Please contact Customer Service if you have any questions. Please note that if we received your pay by phone or online payment between 5 p.m. ET and midnight ET on the last day of your billing penod, your payment will not be reflected until your next statement. Remember, any charges above your revolwng credit limit MUSi BE PAID IN FULL by your statement's payment due date. 2018 Citibank, N.A. 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. Amencan Airlines, AAdvantage and AAdvantage Million Miler are trademarks of Amencan Airlines, Inc. 098 SITE.ItC-CL TM:CO-5000 ACID:IRB6450 06/06/20 lh54:22 LUIS C GONZALES Member Since 1990 Account number ending in: 2508 Billing Period: 04/24/19-05/23/19 www.citicards.corn Customer Service 1-800-866.9900 TTY-heanng-impaired services only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 MAY STATEMENT Minimum payment due: 52,935.78 New balance as of 05/23/19: 520,637.36 Payment due date: 06/21/19 See the last pace of this statement for important information about how toavoid paying mteresi on purchases. Late Payment Warningfif we do not receive your minimum payment. by the date listed above, you may have to pay a late fee of up to $ 39 and your APRs may be increased up to the Penalty APR of 29.998 2 Minimum Payment Warning:If you make only the minimum payment each penod, you will pay more in interest and it will take you longer to pay off your balance. For example: Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance Credit Limit Revofving Credit limit Includes $ 8,700 cash advance kmd $ 20,35B.75 -$0.00 .$0.00 +$0.00 +$ 0.00 +$39.00 +$239.61 $20,637.36 $19,500 If you make no additional charges using this card and each month you pay... You will pay off the And you will end up balance shown on this paying an estimated statement in about... total of... Only the minimum payment 28 year(s) $40,874 For informatton about credit counsehng services, call I 877 337-8188. AAdvantage Miles Earned this period: Minimum payment due New balance Payment due date $2,935.78 $ 20,637.36 06/21/19 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148 2168 CITI CARDS PO BOX 78045 Phoenix, AZ 85062-8045 099 www.citicards.corn LUIS C GONZALES Customer Service 1-800-866-9900 TTY-hr annnnmnaired services only 1-800.325-2865 Page 2 of 2 Account Summary Trans. Post date date Description 00000000 66 0000 Total fees charqed in this billing period interest charged Date pe&caption 05/23 INTEREST CHARGED TO STANDARD BURGH 00000000 84 0000 05/23 INTEREST CHARGFD TQ PUR PR.04/15/19 00000000 84 0000 Total interest charged in this billing period l 2019 totals year-to-date Total fees charged in 2019 Total interest charged in 2019 Fees charged Date Descnption 05/23 LATE FEE - APR PAYMENT PAST DUE $ 106.00 $883.42 Amount Amount $ 39.00 $39.00 Amount $0.46 $239.15 $ 239.61 AADVANTAGEe MILES EARNED THIS PERIOD: 0 » Visit Ba.dani/BB(lvaAtaga to redeem milos„book flights and much more American Airknes reserves the nght to change the AAdvantagee program and its terms and conditions at any time without notice, and to end the AAdvantage program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer da not count toward elite- status qualification or Million MilerSM status Amencan Airknes is not responsible for products or serwces offered by other participating companies. For complete details about the AAdvantaqe program, visit www.aa.corn/aadvantage American Airknes, AAd vantage and AAdvantage Milkon Miler are trademarks of American Airlines, Inc. interest charge calculation Days in billing cycle:30 Balance type PURCHASES Annual percentage Balance subject rate (APR) to interest rate Interest charge Standard Purch 14.24% (V) $ 39.22 ( ~ ) $ 0.46 Pur Pr 041519 14.Z4% (V) $ 20,435.11(D) $ 23915 ADVANCES Standard Adv 2Z 24% (V) $ 0.00 (D) $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed by (V) may vary. Balances followed by (D) are determined by the daily balance method (mcludmq current transactions). Account messages Please note that if we received your pay by phone or online payment between 5 p.m. ET and midniqht ET on the last day af your billing period, your payment will not be reflected until your next statement. Remember, any charges above your revolving credit limit MUST BE PAID IN FULL by your statement's payment due date. 2018 Citibank, N.A. Citi, Citi and Arc Design and other marks used herein are service marks of Citiqroup Inc, or its affiliates, used and registered throughout the world. American Airlines, AAdvantage and AAdvantaqe Million Miler are trademarks of American Airlines, Inc. 100 SITE.KC-CL TM:CO-5000 ACID:IR86450 06/06/20 8:54:22 LUIS C GONZALES Member Since 1990 Account number ending in: 2508 Billmg Penod: 05/24/19-06/25/19 www.citicards.corn Customer Service 1-800-866-9900 TTY-heanng-impaired services only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 JUNE STATEMENT Minimum payment due: 53,757.46 New balance as of 06/25/19: 520,943.70 Payment due date: 07/21/19 See the last page of this statement for important information about how toavoid paying interest on purchases Late Payment Warning:If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39 and your APRs may be increased up to the Penalty APR of 29.99%. Minimum Payment Warning:If you make only the minimum payment each penod, you will pay more in interest and it will take you longer to pay off your balance. For example; Account Summary Prewous balance Payments Credits Purchases Cash advances Fees Interest New balance Credit Limit Revolving Credit limit Includes $ 8,700 cash advance hmit $20,637.36 .$0.00 -$0.00 +$0.00 +$0.00 +$39.00 +$267.34 $20,943.70 $ 19,500 If you make no additional charges using this card and each month you pay. Only the minimum payment You will pay off the balance shown on this statement in about... 28 yearls) And you will end up paying an estimated total of... $ 40,575 For information about credit counseling services, call I 877-337 8188 AAdvantage Miles Earned this period: 0 Mimmum payment due New balance Payment due date $3,757.46 $20,943.70 07/21/19 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148.2168 CITI CARDS PO BOX 78045 Phoenix, AZ 85062-8045 101 www.citicards.corn LUIS C GONZALES Customer Service 1-800-866-9900 TTY hearrnnumoaired services only 1-800-325-2865 Page 2 of 3 NOTICE OF CHANGES TO YOUR INTEREST ~ A1ES You have triggered the Penalty APR of 29.990% by making a late payment and due to your credit performance This change will impact your account as follows: Transactions made on or after 07/16/2019: As of 08/24/2019, the Penalty APR will apply to these transactions. We may keep the APR at this level indefinitely. Transactions made before 07/16/2019: Current rates will continue to apply to these transactions. I-lowever, if you become more than 60 days late L on your account, the Penalty APR will apply to these transactions as well. Account Summary Trans. Post date date Descnption Amount Fees charged Date 06/25 Description LATE FEE - MAY PAYMENT PAST DUE Amount $39.00 00000000 66 0000 Total fees charged in this billing period $39.00 Interest charged Date Des&option Amount 06/25 INTEREST CHARGED TO STANDARD PURCH $1.02 AADVANTAGEo MILES EARNED THIS PERIOD: » Visit Ba.corn&/aadvahtage to redeem miles, book fiiglhts and much more Amencan Airlines reserves the right to change the AAdvantageO program and its terms and conditions at any time without notice, and to end the AAdvantageO program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/oifer do not count toward elite- status quahf&cation or Million MilerSM status. Amencan A&riines is not responsible for products or serwces offered by other participating compames. For complete details about the AAdvantage program, visit www,aa com/aadvant~ae Amencan Airlines, AAdvantage and AAdvantage Million Miler are trademarks of Amencan Airlines, Inc. 00000000 84 0000 06/25 INTEREST CHARGED TO PUR PR.07/16/19. $ 266.32 00000000 84 0000 Total interest charged in this billing period $ 267.34 2019 totals year-to-date Total fees charged in 2019 $145.00 1otal interest charged m 2019 $ 1,150.76 Interest charge calculation Days m btlkng cycle: 33 Your Annual Percentage Rate (APR) is the annual interest rate on your account i Balance type Annual percentage Balance subject rate (APR) to interest rate Interest charge PURCHASES Standard Purch Pur Pr 041519 1424% (V) S78 95 (D) 14 24% (V) $ 20,687.74 &D) Si 02 $ 266.32 ADVANCES Standard Adv 22.24% (V) $ 0 00 (D) $0.00 Your Annual Percentage Rate &APR) ts the annualmterest rate on your account. APRs followed by (V) may vary. Balances followed by &D) are determined by the daily balance method (mcluding current transactions). 102 www.citicards.corn LUIS C GONZALES Customer Service 1-800-866-9900 TTV-heannn-imoaired services only 1-800 325-2865 Page 3 of 3 Account messages Important changes are coming to some of your Card Benefits. 1he followinq is a summary of changes that are beinq made to your card benefits. Effective September 22, Z019, Worldwide Car Rental insurance, TripCancellation & Interruption Protection, Worldwide Travel Accident Insurance, Tnp Delay Protection, Baqgage Delay Protection, Lost Baggage Protection, Citio Price Rewind, and 90 Day Return Protection will be discontinued and will no longer be provided for purchases made on or atter that date. Coverage for purchases made before that date will continue to be available, and you maycontinue to fife for benefits in accordance with the current benefit terms. Roadside Assistance Dispatch Service and Travel 8 Emergency Assistance will be discontinued and will not be available on or after September 22, 2019. We are making these changes so that we can continue providing the key benefits that our customers use and value most at no additional cost. This change requires no action on your part. If you wish to cancel your card due to these changes, please call the number on the back of your card by January I, 2020,to receive a prorated refund of your annual fee. As a cardmember, you will continue to receive a range of other card benefits including FICO o Credit Score, Citi o Identity Theft Solutions, and Citi Entertainment. For more information on card benefits, visit cardbenefits.citi.corn. Please note that if we received your pay by phone or onlme payment between 5 p.m. ET and midnight ET on the last day of your biiling period, your payment will not be reflected until your next statement. Remember, any charqes above your revolving credit limit MUST BE PAID IN FULL by your statement's payment due date. 2018 Citibank, N.A. Citi, Citi and Arc Design and other marks used herein are serwce marks of Citigroup Inc. or its affiliates, used and reqistered throughout the world. Amencan Airlines, AAdvantage and AAdvantage Million Miler are trademarks of American Airlines, Inc. 103 SITE:KC-CL TM:C0-5000 ACID:IR86450 06/06/20 0:54:22 LUIS C GONZALES Member Since 1990 Account number ending m: 2508 Billing Penod. 06/26/19-07/23/19 www.citicards.corn Customer Service 1-800-388-2200 TTV-heanng impaired services only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 JULY STATEMENT Minimum payment due: 54,507.40 New balance as of 07/23/19: 5 21,212.67 Payment due date: 08/21/19 See the last page of this statement for important information about how toavoid paying interest on purchases Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 39 and your APRs may be increased up to the Penalty APR of 29.99%. Minimum Payment Warning: if you make only the minimum payment each penod, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional you will pay off the And you will end upcharges usmg this card balance shown on this paying an estimatedand each month you pay... statement in about... total of... Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance Credit Limit Revolving Credit limit Includes $ 8,700 cash advance limit $ 20,943.70 -$0.00 -$0.00 +$ 0.00 +$0.00 +$39.00 +$229.97 $21,212.67 $19,500 Only the minimum payment 28 year(s) $ 40,278 For information about credit covnselmg services, call I-877-337-8I88. Minimum payment due New balance Payment due date $4,507.40 $ 21,212.67 08/21/19 Amount enclosed: Account number ending in Z508 LUIS C GONZALES 3387 THRIF1 PL SAN JOSE CA 95148.2168 CITI CARDS PO BOX 78045 Phoenix, AZ 85062-8045 104 www.citicards.corn LUIS 0 GONZALES Customer Service 1-800-388-2200 TTY-hennnn-imoaired serwces only1-800.325-2865 Page 2 o(2 Account Summary Ti aiis. Post date date Descnption Amount Fees charged Date Descnption 07/23 LATE FEE - JUN PAYMENT PAST DUE 00000000 66 0000 Total fees charged in this billing period Amount $ 39.00 $39.00 Interest charged Date Descnption 07/23 INTEREST CHARGED TO PUR PR 07/16/19. 00000000 84 0000 Total interest charged in this billing period Amount $229 97 $229.97 2019 totals year-to-date Total fees charged in 2019 Total interest charged in 2019 $184.00 $1,380.73 Interest charge calculation Days m billing cycle: 28 I Your Annual Percentage Rate (APR) is the annual interest rate on your account Balance type Annual percentage Balance subject rate (APR) to interest rate Interest charge PURCHASES Standard Purch 14 Z4% (V) $ 0.00 (D) $0 00 Pur Pr 071619 ADVANCES Standard Adv 1424% (V) $21,054.37 (D) 22.Z4% (V) $0.00 (D) $229.97 $ 0 00 Your Annual Percentage Rate (APR) is the annual interest rale on your account. APRs followed by (V) may vary Balances followed by (D) are determmed by the daily balance method (including current transactions). Account messages Please note that if we received your pay by phone or online payment between 5 p.m. ET and midnight ET on the last day of your billing penod, your payment will not be reflected until your next statement. 2018 Citibank, N.A. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup lnc. or its affiliates, used and registered throughout the world American Airlines, AAdvantage and AAdvantage Million Miler are trademarks of American Airlines, Inc. 105 SITE KC-CL TM:CO 5000 ACID:IRB6450 06/06/20 u:54 22 LUIS C GONZALES Member Since 1990 Account number ending in: 2508 Billing Period: 07/24/19-08/23/19 www.citicards.corn Customer Service 1-800-756-4000 TTY-hearing-impaired services only 1-800-325-2865 BOX 6500 SIOUX FALLS, SD 57117 AUGUST STATEMENT Minimum payment due: $ 5,307.42 New balance as of 08/23/19: $ 21,505.18 Payment due date: 09/21/19 See the last page of this statement for important information about how toavoid paymg interest on purchases. Late Payment Warning:If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 39 and your APRs may be increased up to the Penalty APR of 29.99v/o. Minimum Payment Warning:If you make only the minimum payment each penod, you will pay more in interest and it will take you longer to pay off your balance. For example: Ifyoumakeno additional You will pay off the And you will endupcharges using this card I balance shown on this paying an estimatedand each month you pay... ~ statement in about..., total of... Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance Credit Limit Revolving Credit limit Includes $ 8,700 cash advance limit $ 21,212.67 -$0.00 -$0.00 +$ 0.00 +$0.00 +$39.00 +$ 253.51 $21,505.18 $ 19,500 Only the minimum payment i 27 yearls) i $ 39,643 For information about credit counseling services, call I B77 337 BIBB Minimum payment due New balance Payment due date Amount enclosed: $5,307.42 S 21,505.18 09/21/19 Account number ending in 2508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148 2168 CITI CARDS PO BOX 78045 Phoenix, AZ 85062-8045 106 www.citicards.corn LUIS C GONZALES Customer Service 1-800-756-4000 T) Y-hr or inn-imoaired services only 1-800 325.Z865 Page 2 of 2 Account Summary Trans date Post date Descnption Amount Fees charged Date Descnption Amount 08/23 LATE FEE JUL PAYMENT PAST DUE $ 39.00 00000000 66 0000 Total fees charged in this bifiing period $39.00 Interest charged Date Descnption 08/23 INTEREST CHARGED TO STANDARD PURCH Amount $0.47 00000000 84 0000 08/23 INTEREST CHARGED TD PUR PR-07/16/19 $ 253.04 00000000 8/I 0000 Total interest charged in this billing period $ 253.51 2019 totals year-to-date Total fees charged in Z019 Total mterest charged in 2019 $223.00 $1,634.24 Interest charge calculation Days in biibng cycle: 31 Your Annual Percentage Rate (APR) is the annual mterest rate on your account. Balance type Annual percentage Balance subject rate (APR) to interest rate Interest charge PURCHASES Standard Porch Pur Pr 071619 13,99% (V) $39 23 (D) l3 99% (V) $21 295 86 (D) $ 0 47 $253.04 ADVANCES Standard Adv 21.99% (V) $ 0.00 (D) $ 0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed by (V) may vary Balances followed by (D) are determined by the daily balance method (including current transactions). Account messages Please note that if we received your pay by phone or on)me payment between 5 p.m. ET and midnight ET on the last day of your billing period, your payment will not be reflected until your next statement. 2018 Citibank, N A. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup lnc. or its affiliates, used and registered throughout the world. Amencan Airhnes, AAdvantage and AAdvantage Million Miler are trademarks of American Airhnes, Inc. 107 SITE.KC-CL TM;CO.5000 ACID:IRB6450 06/06/20 Ik54:22 LUIS C GONZALES Member Since 1990 Account number ending in: 2508 Bilimg Penod: 08/24/19-09/24/19 www.citicards.corn Customer Service 1-800-925-8871 TTY-heanng-impaired services only 1-800-325-2865 BDX 6500 SIOUX FALLS, SD 57117 SEPTEMBER STATEMENT Minimum payment due: 521,765.72 New balance as of 09/24/19: 521,765.72 Payment due date: 09/24/19 See the last page of this statement for important mformation about how toavoid paymg interest on purchases. Late Payment Warning:If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $ 39 and your APRs may be mcreased up to the Penalty APR of 29.99%. Minimum Payment Warning:If you make only the minimum payment each penod, you will pay more in interest and it will take you longer to pay off yourbalance. For example: Account Summary Previous balance Payments Credits Purchases Cash advances Fees Interest New balance Credit Limit Revolving Credit limit Includes 58,700 cash advance limit $ 21,505.18 -$ 0.00 -$0.00 +$0.00 +$0 00 +$0.00 +$260.54 $21,765.72 $19,500 You will pay off the balance shown on this statement in about... If you make no additional charges using this card and each month you pay... j Only the minimum payment I month(s) 'nd you will end up paying an estimated total of... $21,766 For mformation about credit counsekng services, call 1-877 337-6188 Minimum payment due New balance Payment due date $ 21,765.72 S21,765.72 09/24/19 Amount enclosed: Account number ending in 2508 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148 2168 CITI CARDS PO BOX 78045 Phoenix, AZ 85062.8045 108 www.citicards.corn LUIS C GONZALES Customer Service 1-800-925-8871 TTY-he*nnn imoaired services only I 800-325-2865 Page Z of 2 Account Summary Trans. Post date date Description Amount Fees charged Total fees charged in this billing period $0.00 Interest charged Date Descnption 09/24 INTEREST CHARGED TO STANDARD PURCH 00000000 84 0000 09/24 IN1EREST CHARGED TO PUR PR-07/16/19. 00000000 84 0000 Total interest charqed in this billinq period Amount $0.95 $259.59 $260.54 2019 totals year-to-date Total fees charged in 2019 Total interest charged in Z019 $223.00 $1,894.78 Interest charge calculation Days in billing cycle: Your Annual percentaqe Rate (APR) &s the annual wterest rate on your account Balance type Annual percentaqe Balance subject rate(APR) to interest rate Interest cha iPURCHASES Standard Purch 13.74% (V) $ 78.93 (D) $ 0 Pur Pr 071619 ADVANCES 1374% (V) $21552.19 (D) $259 Standard Adv 21.74% (V) $ 0.00 (D) SO Your Annual Percentage Rate (APR) is the annual interest rate on your account. APRs followed by (V) may vary Balances followed by (D) are determined by the daily balance method (including current transactions) Account messages Please note that if we received your pay by phone or online payment between 5 p.m. ET and midnight ET on the last day of your billing period, your payment will not be reflected until your next statement. 2018 Citibank, N.A. 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. American Airlines, AAdvantage and AAdvantage Million Miler are trademarks of Amencan Airlines, Inc. 109 Card Number: 2508 September 29, 2019 LUIS C GONZALES 3387 THRIFT PL SAN JOSE CA 95148-2168 PLAINTIFF'B EXHIBIT 8 2 a umber:_2508 e , I I 5- IFF’s " _ EXHIBI ~ ' -ZOOV3VX2Q3‘ Ztabb’ies' LUIS 0 GONZALES Account endmg 2508 Page 2 of 3 Fact Sheet Facts about Interest and Fees Interest Rates and Interest Charges Annual Percentage Rate 13 74% IAPRI for Purchases This APR will vary with the market based on the Pnme Rate APR for Cash Advances 2L747 ru Lrr co o co rU APR for Citi Flex Plan Penalty APR and When it Applies Paying Interest Minimum Interest Charge How We Calculate Your Balance This APR will vary with the market based on the Prime Rate. i 13 74% This APR will vary with the market based on the Prime Rate. Up to 29.99%, based on your creditworthiness. This APR will vary with the market based on the Pnme Rate This APR may be applied to your account if you: (1) Make a late payment or (2) Make a payment that is returned. Flow Long Will the Penalty APR Apply71f your APRs are increased for either of these reasons, the Penalty APR may apply indefinitely. Your due date is at least 23 days after the close of each bilkng cycle We will not charge you interest on purchases if you pay your monthly Citi Flex Plan Payment Amount plus your entire balance, excluding any Citi Flex Plan balances, by the due date each month If you do not pay your monthly Citi Flex Plan Payment plus your entire balance, excluding any Citi Flex Plan balances, by the due date each month, you will pay interest on your purchases from the date they'e posted to your account We will begin charging interest on cash advances and balance transfers on the transaction date We will begin charging interest on a Citi Flex Plan balance at the start of the billing cycle following the billing cycle during which you created the Citi Flex Plan. If you are charged interest, the charge will be no less than 50 cents Daily Balance (including current transactions) Fees Annual Fee Transaction Fees Balance Transfer Cash Advance Foreign F'urchase Transaction Penalty Fees . Late Payment Returned Payment $95 every 12 month(s) Either $ 10 or 5% of the amount of each transfer, whichever is greater ; Either $ 10 or 5% of the amount of each cash advance, whichever is greater. None Up to $39. Up to $39 LUIS C GONZALES Account ending 2508 Page 3 of 3 Details About Your Interest Rates and Interest Calculations Purchases Cash Advances Citi Flex Plan APR Penalty APR (D) = Daily periodic rate. A daily pediodic rate is Vanabie APRs will not exceed 29.99% Periodic Rate as of 09/29/2019 0 03764% (D) 0.05956% (D) 0 03764% (D) 0.08216% (D) the APR divided by 365. For variable rates: U S. Prime Rate Plus 8 74% 16 74% 8. 74% Up to 26 74% ru cn co 0 co IJJ This Guide will help you easily identify sections of the Card Agreement and give you a brief overview of the contents of each section, This is not intended to be a complete summary of the Card Agreement's contents, and we encourage you to read your entire Card Agreement, including the arbitration provision, before you use your Account. DEFINITIONS Lists the meanings of particular phrases and terms used in the Card Agreement. YOUR ACCOUNT Describes some of your responsibilities for using your Account. ACCOUNT INFORMATION, INFORMATION SHARING AND COMMUNICATIONS Explains that your personal information we use to manage your Account should always be up to date. Also notes that we share information about you and your Account In addition, this section describes how we may contact you. ANNUAL PERCENTAGE RATES & INTEREST CHARGES Shows how we calcuiate interest rates and how thai affects your Account balance. FEES & FOREIGN CURRENCY CONVERSION Describes Ihe fees that can be applied to your Account, mcluding annual membership fees, late fees, as well as foreign transaction fees for Purchases not in U.S. dollars. PAYMENTS Shows how your monthly Mmimum Payment Due is calculated, tells you how we apply yo(ur payments to balances, and gives you certain instructions for making payments (and tells you the possible consequences of not following those mstructionsj. TRANSACTIONS Provides important information about merchant credits, recurring Transactions and card refusais. ARBITRATION Explams that you cannot go to court, have a jury trial or initiate or participate in a class action if you have a dispute with us. Instead, this provision tells you that the dispute must be resolved by a professional arbitrator, not a iudge orlury. This section also explains how arbitration works and some of the differences between resolving a dispute in arbitration and resolving one in court, AGREEMENT & BENEFIT CHANGES Explains that we can make changes to the Card Agreement and your card benefits and features. AUTHORIZED USERS Descrtibes an Authorized User's rights and your responsibility for that user. Also describes what information we can share about you and your Authorized User. MISCELLANEOUS Explains subjects that aren't included in previous sections. DEFAULT, CLOSIN(l OR SUSPENDING YOUR ACCOUNT Tells you when we may require immediate payment of your total Account balance, and explains when we may close or suspend your Account, and when you may close your Account. YOUR BILLING RIGHTS Explains your billing rights, which include how to address possible statement mistakes and your rights if you'e not satisfied with a Purchase. CREDIT REPORTING Describes what information we provide about you to credit reporting agencies, and how to dispute items on your report. This section also explains how we use information we get about you from those agencies This Card Agreemeni (Agreement) is your contract with us. I he Facts about Interest and Fees document (Fact Sheetj is part of this Agreement. The Fact Sheet shows important information about your Account, such as your annual percentage rates and certain fees. Any amendments to this Agreement also are part of this Agreement. Please read all parts of this Agreement, including the arbitration provision, and keep it for your records. Note: Throughout the Agreement are examples, helpful lips, and addiiionat explanations thaf wi/I make the Agreement easier to understand. DEFINITIONS Account - Your Citify/ AAdvantagetb Platinum SeiectOv World Elite™ Mastercard Account. Adjusted New Balance - Your New Balance less any Citi Flex Plan balance. Annual Percentage Rate (APR) - A rate, shown as a percentage, used to calculate interesf on the balance on your Acct unt. cz Authorized User - Any person you allow to use your Account with a Card we provided with that person's name. Balance Transfer - Use of a Balanc Transfer offer, including use of a check that accesses your Account for any transaction, or the transfer of a balance from another credit account to your Accotfnt. Billing Period- The period of time tetween each date when we create a statement for your Account. A Billing Pediod is usually 28-33 days. For each Billing Period, your statement will show any Transdctions, other charges, payments and other credits posted during Ihat Billing Period. Business Day - Monday through Friday, excluding federal hokdays. Card - One or more cards or other devices (including an account number) used to access your Account to obtain credit Card Networks - Organizations, such as Mastercard, Visa and American Express, that facilitate the payment process b tween a cardmember, merchants and a card issuer. Cash Advance - Use of your Card to gei cash, including foreign currency, or for what we considers cash-like transar tion. Examples include using your Card for: ATM and teller wifhdrawals, wire traiisfers, money orders, traveler's checks, lottery tickets, gaming chips and other mefiiods used for gambling, wagers and other betting transactions. A Citi Flex Loan is not a Cash Advance. Citi Flex Pay - Eligible Transactions fhat you select to be paid under a Citi Flex Plan. Citi Flex Plan - A feature on your Account to pay Citi Flex Loans or Citi Flex Pay amounts in fixed payments over a defined number of Billing Periods subiect fo a Citi Flex Plan APR. Consumer Reporting Agency -An organization, such as Expenan, Equifax and TransUnion, that compiles credit information for the purpose of generating consumer credit reports. It's also known as a "credit bureau" and a "credit reporting agency." Include and including - These terms mean "include [or including] without limitation." Late Payment - A payment is late if you don't pay at least an amount equal to the Minimum Payment Due minus any Overlimii Amount by ihe payment due date. New Balance - The total amount you owe us at the end of each Billing Penod. This amount w shown on each statement under the heading "New Balance". We explain how we calculate the New Balance below. Overlimit Amount - The amount by which your Account balance exceeds your credit limit in any Billing Penod. Purchase - Use of your Card to buy goods and services. Balance Transfers and Cash Advances are not Purchases. Returned Payment - A payment thaf isn't honored by your financial institution. Transaction - A Balance Transfer, Cash Advance, Purchase or Citi Flex Plan, as applicable. we, us, and our. Citibank, N.A. Citi Flex Loan - Funds provided to you by check or by direct deposit that you select ou and o i Th tf io be charged to your Account and repaid under a Citi Flex Plan. Balance Transfers and Cash Advances are not Ciii Flex Loans. You'tt find definitions of other terms within this Agreement. YOUR ACCOUNT Your Account use is subject to this Agreement. You must pay us fores amounts due on your Account, including: 1. Transactions you make, even if you didn'I present your Card or sign for the Transaction, 2. Transactions an Authorized User makes; 3, Transactions that other people make rf you or an Authorized User 1st them use your Account; and 4. Any fees and interest charges on the AccounL Binding Agreement. This Agreement takes effect once you use your Card. Even tf you don'I use your Card, this Agreement will take effect unless you contact us to cancel your Account within 30 days after we sent you this Agree menf. Credit Limit. We assign a credit limtt to your Account. Pari of this credit limit may be available for Cash Advances, anti there may be a limit on the amount of Cash Advances you can take in a given period. We may authorize Transactions thaf cause your balance to exceed your &'.redit lrmtt. ACCOUNT USE Consumer Purposes. You aren't permitted to use your Account for business purposes. If you do use your Account for business purposes, this Agreement still ca apphes, and you must pay us for those Transacbons. You may also have to pay us for any damages and/or expenses resulttng from that use. In addition, we maytr close your Account. Citi Flex Plan. Your ability to create a Citt Flex Plan will depend on the amount of your available credit, creditworthiness, and other factors. We may limit the number of active Citi Flex Plans you can have and we may change fhis number at any time. There are two ways to create a Citi Flex Plan - Ctti Flex Pay and Cttt Flex Loan. With Citi Flex Pay, you can pay for eligible Transactions under a Ciii Flex Plan. An eligible Transaction for Citi Flex Pay must be a Purchase of at least a specified dollar amount and does not include a Purchase of cash or cash equivalent, a Purchase subject to Foreign Transaction Fees or any fee owed to us. Other exclusions may apply. With Citi Flex Loan, you can use your Account's credit bne to access funds and pay such funds under a Citi Flex Plan. You can only create a Citi Flex Loan if you receive an offer The offer will tell you the terms, including the APR, thai will apply to that Cttt Flex Loan. Unlawful Transactions. You aren't permitted to use your Account for unlawful Transactions. If you do use your Account for unlawful Transactions, this Agreement stts applies and you must pay us for those Transactions. You also may have to pay the Card Network and/or us for any damages and expenses resulfing from that use. In addition, we may close your Account. Mobile Phones or Other Devices. Smart phones, fablets and other electronic devices can store your Card (such as through a mobtle wallet). This means they can be used to make Purchases or other Transactions. Any such Transactions are covered by this Agreemenf. Apps that use your Card to make Transachons may have separafe lerms of use. We'e not responstble if you violate those terms, or for any consequences resulting from any violation. Nate: iffs imporlani to proiecl your devices the same way you protect your Card. Anyone wire can access your Card using your device also can make charges to your Account using that device, ANNUAL PERCENTAGE RATES & INTEREST CHARGES The following sections explain how we calculate the interest you owe each Billing Period. APRs. We use APRs to calculate interest charges on your Account. Different APRs may apply to different Transactions. See the listing of your APRs on the Fact Sheet. Variable APRs. A variable APR is an APR that can change each Billing Penod We calculate each variable APR firsf by '.aking lhe U.S. Pnme Rate from The Waif Street Journal (WSJj two Business Days before the last day of each Billing Period. (If the WSJ doesn't pubhsh the U.S. Prime Rate that day, then we'l use another pubhcation.) I hen we add to the U,S. Pnme Rate a certain percentage amount, which we call the Margin. You can find the Margin we use for your Account m the Details About Your Interest Rate section of lhe Fact Sheet. How is a variable APR calculated? If the U.S. Pnme Rate pubkshed m lhe WSJ two Business Days before the end of a Billing Pened is 5%; and If the Margin is 'l3.99%; fhen Add the two together to calculate a variable APR: 5% + 13.99% -" 18.99% Your variable APRs will increase tf the U S. Prime Rate increases and decrease tf the U.S. Pnme Rate decreases. If a variable APR increases, then your interest charges and Minimum Payment Due may increase If the U.S. Pnme Rate changes, we'l apply the new variable APR starling from the first day of Ihe Bibing Period when we fake the U.S. Prime Rate from fhe WSJ. The new APR will apply to existing balances, as weil as balances added fo your Account after the change. Penalty APR. If you have a Late or Returned Payment, we may apply a penalty APR to your Account. We determine your penally APR based on your creditworthiness. llJ Lri CI cw ca Penalty APR for new Transactions (less than 60 days late). If you make a Late Payment and it's less than 60 days late or you have a Returned Paymenl, the penalty APR only will apply to new Transactions. We'l review your Account from time to time to determine if a penalty APR should be reduced. Penalty APR for existing balarrces and new Transactions (60 or more days late). If we haven't received your Minimum Payment Due within 60 days after its due date, we may apply the penalty APR to both the existing balances and new Transactions. If you make your next six consecutive Minimum Payments Due on time, we'l sfop applying the penalty APR to existing balances and new Transactions. If you don'I make your next six consecutive Minimum Payments Due on fime, the penalty APR may continue to apply indefinitely to existing balances and new Transactions. Daily Balance We calculate interest on your Account each Billing Period first by calculating your daily balances. The followmg explains how we do that. Here's how and when Transactions, fees and credits are applied to the balances on your Account: ~ We add the amount of a Purchase or Balance Transfer to the Purchase balance as of the post date on your statelnent. ~ We add the amount of a Cash Advance to the Cash Advance balance as of the posl date on your statement. ~ We add a Balance Transfer fee to the Purchase balance as of fhe post dale on your statement. ~ We add the amount of any eligible Transaction under Citi Flex Pay or a Citi Flex Loan to a Cifi Flex Plan balance as of the post date on your statement. If you moved an amount from another balance within your Account to a Citi Flex Plan, we will credit the other balance in the amount you added to a Citi Flex Plan in order to avoid double counfing tiiat amount. ~ We add a Cash Advance fee to the Cash Advance balance as of Ihe post date on your statement. We'l add any other fees to the balance of our choice. If you'e charged interest in a Billing Period, but the amount calculated is less than $0.50, we'l add additional interest to the balance(s) of our choice so that you'l be charged $0.50 in interest for that Billing Period. ~ We subtract credits and paymenls as of the post date shown on your statement. ~ Each balance may have a different APR. Certain categones of Transactions in a balance may have multiple APRs. For example, you may make a Purchase or Balance Transfer, or create a Cili Flex Plan, that's subject to a promotional APR. Your balances, and their corresponding APRs, are shown on your statement. Interest Calculation. Each daily balance may have a different APR. Certain categories of Transactions in a daily balance may have multiple APRs. For example, you may make a Purchase or Balance Transfer that's subject to a promofional APR. If a daily balance on your Account is subject to an APR, we'l charge interest on that daily balance We use the daily balance method (which includes new Transactions). If interest applies to a balance, it will sfart applying on the day a charge is added to that balance and continue until that balance is paid in full. We consider a credit balance as a balance of zero when calculatmg interest on that balance. ~ We multiply each daily balance by its applicable daily periodic rates (each applicable APR divided by 365). ~ We do Ihis for each day in the Billing Penod. This gives us the daily interest amounts ~ Then we total all the daily interest amounts for all the daily balances. This gives us the total interest for the Billing Penod. Note; Your balances, and their corresponding APRs, are shown on your slatement. Calculating the New Balance. To calculate the New Balance at the end of each Billing Penod, we begm with the total Account balance at the start of that Billing Period. Then we add any Transactions that are new to the Account during that Billing Period Then we subtract any credits applied or payments made during that Billing Period. Then we add any interesf charges or fees incurred during that Bilkng Period and make any other adjustmenls, as applicable (for example, if you have disputed a charge) Grace Period on Purchases. You won't pay any interest on Purchases if you pay the Adjusted New Balance, including any Balance Transfers, plus any Cili Flex Plan Payment Amount, in full by lhe payment due dale shown on your statement each Billing Period. We call this a grace period on purchases If you don'I pay your Adjusted New Balance in full, plus any Citi Flex Plan Paymenl Amount, by the paymenl due date in a Billing Penod, you'l pay interest on your Purchases from the date they'e posted lo your Account. You also won't have a grace period on Purchases agam until you pay fhe Adjusted New Balance in full, plus any Citi Flex Plan Payment Amount, by the payment due dale 2 Bilhng Peiiods in a row. There's no grace penod on Balance Transfers and Cash Advances. This means you'l pay interest on Balance Transfers and Cash Advances from the date these Transactions post to your Account. Note: The post date shown on your statement will usually be the date of the Transaction, but ii may be later. Here's how we calculate each of tl)e daily Purchase, Cash Advance and Citi Flex Plan balances on your Account: ~ We start with the daily balance fiom the end of the previous day. ~ We add any new Transactions, fees and other charges, including interest accrued on the previous day's balance. This means that interest is compounded daily ~ We subtract any credits or payments credited as of that day. ~ We make additional adjustments as appropnate, subject to applicable law (as an example, for a disputed charge). This gives us the daily balance for that day. Important Information aBout Citi Flex Plans: We apply any amounl you pay over your Minimum Paymenl Due first io Ihe balance with Ihe highesl APR, then to the balance wiih lhe next highesl APR, and so on, as described in Section 5, Application of Payments. This means Ihai, tithe APR for a Cdi F/ex Plan balance is higher than an APR that applies Io anoiher balance on your Accouni, we will app/y Ihe amounl you pay above lhe Minimum Paymenl Due Io Ihal Ciii Flex P/an ba/ance prior Io that offer ba/ance. This will cause you Io pay of/ that Ciii F/ex Plan balance before the end ofiis repayment period and may resuii in an amouni remaining due on your next bdiing statement for the other balance, increasing your Adjusted New Balance on your next billing statement You can see your balances and their corresponding APRs on your staiemeni. Daily balance for purchases from the previous day + New purchases + Fees and interest accrued on tlie previous day's Purchase balance --Paamepnt,reditsand adiustments oosted that day = New daily balance for Purchases For example, in a sample Bdling Period, an Account with no past due or Overiimil Amounls, has: Cifi Flex Plan: $5 000 wi th a repayment period of 24 months at 16 99% APR Citi Flex Plan statement balancd in sample Billing Period: $4,090 Cili Flex Plan interest charge in'sample Billing Period: $56.92 Citi Flex Plan Payment Amount per Billing Period: $248 Grace Period for Citi Flex Plan balances. When you create a Cili Flex Plan, you will be charged interest on the Citi Flex Plan balance from lhe start of the Bf ling Period following the Billing Period when you created the Cig Flex Plan This means that you will not be charged interest on the Citi Flex Plan balance during the Billmg Penod in which you created the Citi Flex Plan. and Purchase balance: $1,000 Minimum Payment Due for Purchases: $25 (Calculations are approximate and for illustrative purposes only) The New Balance for the Account is $5,090. The Adjusted New Baianceis the New Balance ($5,090) less the Cili Flex Plan Balance ($4,090): $1,000. Your Minimum Payment Due is $2T3 ($25 & $248). To relain your grace period on purchases, you must pay the Adjusted New Balance ($ 1,000) plus your Citi Flex Pion Payment Amount ($248)i $1,248. lfyour Purchase APR is equal to or higher than your Ci ti Flex Plan A PR and you make a payment to retain your grace period on purchases ($1,248), your Purchase balance will be reduced'to $0. This means that, to retain your grace period on purchases in Ihe next Billing Period, you will be required to pay $248 (your Citi Flex Plan Payment Amount), assuming you do not make any new Transactions. lfyour Purchase APRis lower than your Citi Flex Plan APR and you make a payment to retain your grace periqd on purchases ($ 1,248), your Purchase balance will only be reduced by $25(lo $975). This is because your payment above ihe Minimum Payment Due will be applied to your Ciii Flex Plan balance first. As a resuii, lo!stain your grace period on purchasesin the next Billing Period, you will be required to pay $975 (your remaining Purchase balance) plus $248 (your Citi Flex Plan Payment Amount) for a total of $1,223, assuming you do iiot make any new Transactions. This amount is grealer than the $ 248 you would have been required to pay in order to retain your grace period on purchases if the Citi Flex Plan APR had been equal to or lower than the Purchase APR. We will continue to apply any payments above the Minimum Payment Due to your Citi Flex Plan balance, and not your Purchase balance, until your Citi Flex Plan balance is paidin full, FEES & FOREIGN CURRENCY CONVERSION Fees Annual Membership Fee Late Fee Returned Payment Fee Amount $95 every 12 monfh(s) Up to $39 Upto$39 About the Fee Your Account has an annual membership fee. The Fact Sheet shows fhis fee. You'l see this annual fee on your first statement after opening your Account and each year after that. We'l charge the fee if your Account is open, even if you don't have a balance. We have the right lo charge you a late fee if you don't pay at least an amount equal to the Minimum Payment Due minus any Overlimit Amount by the payment due date. The late fee is $28 and, if you make another Lafe Payment within the next 6 Bilkng Periods the late fee will be $39. The amount of your late fee will never be higher fhan your Mimmum Payment Due. We have the right to charge you a Returned Payment fee of $28 if your bank doesn't honor your paymenl. If that happens, we'l resubmit Ihe payment requesL If your bank doesn't honor another payment within 6 consecutive Billing Periods, the Returned Payment fee will go up to $39 ru Transaction Fee for Cash Advances un Cl FOREIGN CURRENCY CONVERSION Either $ 10 or 5% of the amount of each cash advance, whichever is g reefer. Foreign Currency Conversion - Purchases. A Card Network converts the amount of a Purchase in a foreign currency into U.S. dollars. Each Card Network follows its own procedures for conversion. These procedures include how the Card Network chooses an exchange rate and when to do the conversion. For example, Visa chooses either a government-mandated exchange rate or chooses from a range of rates available on wholesale currency markets (and, in either case, the exchange rate that if chooses may be less favorable than the rafa that Visa ilself receives when it makes foreign currency transactions). Depending on fhe policies of each Card Network, the exchange rate chosen may be the one in effect on the day lhe Card Network does the conversion, or on the day before. The exchange rate that a Card Network uses to convert the Purchase to U.S dollars may differ from the rale in effecf on the date you made the Purchase or on fhe post date for that Purchase shown on your statement. The Card Network's procedures may change without notice. Transaction Fee for Balance Transfers Either $ 10 or 5% of the amount of each transfer, whichever is greater. We charge you a fee for each Balance Transfer. We charge you a fee for each Cash Advance. If a third party, such as a merchant, converts the amount of a Purchase into U.S. dollars before sending the Purchase to a Card Network, the third party chooses the conversion rate instead of fhe Card Network. Foreign Currency Conversion - Cash Advances. If you take a Cash Advance in a foreign currency at an ATM or branch of a financial institution, it may not be the Card Network in all insfances that converts the Transaction into U S, dollars. Instead, depending on where the Transaction takes place, another third party, such as a financial mstifution, ATM network, or ATM operafor, may do the conversion We do nol control fhis. However, if you use your Card for a Cash Advance at a Citibank ATM or branch, then we or our affiliates may do the conversion. The party that converts a Cash Advance to U S. dollars will choose the exchange rate and when to do the conversion The exchange rate in effect on the dais the Cash Advance is converted to U.S, dollars may differ from the rafe in effect on the date you took the Cash Advance or the post date for that Transaction shown on your stafement. The exchange rate may also differ from any rate quoted to you when you made the Transaction. PAYMENTS Minimum Payment Due. You may pay all or a part of your Account balance at any time. You must pay at least the Minimum Payment Due by the payment due dale each Billing Period. Your "Minimum Payment Due" equals: ~ Any amount past due; plus ~ Any Overlimit Amount; pius ~ Any Citi Flex Plan Payment Amount; plus ~ 1 he greafer of: 1. The Adjusted New Balance, if it's less than $25; 2. $25 if the Adjusted New Balance is at least $25; 3 1% of the Adjusted New Balance (rounded to the nearest dollar), pius any billed mterest or minimum inte est charge, plus any late fee; or 4. 1.5% of the Adjusted New Balance (rounded to the nearest dollar). The Minimum Paymenl Due is never more than the New Balance The formuia we use l'or determining the amount descnbed directly above is The Cib Flex Plan balance, mulbphed by (iPAPR/12 ) I (1-(1+ iPAPR/12 ) ), rounded up to the nearest dollar. "iPAPR" equals the specific Citi Flex Plan APR applicable to the Citi Flex Plan balance, "N" equals the number of months in the Cifi Flex Plan repayment period. The actual interest charged on your Plan will be calculated as described in Section 3. Your first Citi Flex Plan Payment Amount will be due in the Billing Period following the Bilkng Penod in which you created the Citi Flex Plan, if you do not pay your Minimum Payment Due in full by the due date, you may owe additional inleresf on your Citi Flex Plan balance. This will not increase the Citi Flex Plan Payment Amount for subsequent Billing Periods, but you may be required to make addifional payments after the end of the Citi Flex Plan repayment period fo pay your Citi Flex Plan balance (including any additional inferest) in full. Cl 0 Cl Note: Your payment due dale is typically the same day ot the month, every month. You may request a change to your monthly due date. How is the Minimum Payment Due calculated' For example, in a sample Billing Period, an Account with no past dus, Overlimit or Cili Flex Plan Payment amount has: New Balance: $2500 Interest: $18.54 Since the New Ba/ance is more than $25, end ihere are no pssi due or Overlrmit amounls, ihe Minrmum Payment Oue will be ihe greater of: 1% of Ihe New Balance (1.0% x $2.500: $25.00) + interest ($ 18. 54); $43,54 or',5% oflhe New Balance (1,5% x $2,500). $37.50 Since 1% of the New Balance pius interest ($4354) is greeler than 1 5% of the IVew Balance ($37.50) the Minimum Payment Due is $43.54. Citi Flex Plan Payment Amount. Tne Minimum Payment Due will mclude any amount due on a Citi Flex Plan balance each Bilhng Period (the "Citi Flex Plan Payment Amount") You must pay the Citi Flex Plan Payment Amount each Billmg Period, calculated as descnbed below, for so long as any balance remains in the Citi Flex Plan. The Citi Flex Plan Payment Amount will never be more than the amount of the Citi Flex Plan balance. We determine fhe Citi Flex Plan Payment Amount for each Citi Flex Plan that you will pay in each Billing Period as follows: The Citi Flex Plan balance as of the date you create the Cifi Flex Plan, plus The estimated interest charges for the Cifi Flex Plan calculated on the daily balance from the start of the nexi Billing Period following the Billing Period in which you crealed the Cifi Flex Flan through the end of the Citi Flex Plan repayment period (assuming that you pay the Minimum Payment Due on your Account each month on the due,date), the sum of which is divided by The number of months in ihe Citi Flex Plan repayment period We then round ihe result up to the nearest dollar. if you have nol paid your Minimum Payment Due for any three Billmg Periods during the Citi Flex Plan, and the Minimum Payment Due for those three Billing Periods remains oufstandmg at the end of your current Biihng Period, we may cancel any exisbng Citi Flex Plan from your Account, then add ihe balance of any canceled Citi Flex Plan to the Purchase balance, retaining fhe Citi Flex Plan APR that was in effect at time of cancetlation. We may also do this if: You file for bankruptcy or some other insolvency proceeding is filed by or agamst you. You don't honor the terms of this Agreement. You'e declared incompetent or mentally incapacitated or in the event of your death. You enter into a hardship assistance program if any of the above events occur, we will calculate lhe Minimum Payment Due as part of the Adjusted New Balance as described in Section 5 and you will no longer pay a monthly Cifi Flex Plan Payment Amount Any canceled Citi Flex Plan balance amount that was added to a Purchase balance will nof be added back to a Citi Flex Plan balance, even if you pay your outstandmg Minimum Payment Due in full. You will not be eligible to create another Citi Flex Plan anal you pay your outstandmg Mi ~ imum Payment Due in full, and then only if we offer you the opportunity to create another Citi Flex Plan. Important Information about Citi Flex Plans snd Promotional APRs. If your Cilr Flex Plan APR is higher than any other APR, such as a promolionai Balance Transfer APR, we will apply any payment you make above the Minimum Psymenl Oue lo thai Ciii Flex Plan balance prior lo lhe lower APR balances. This means thatifyou want to pey off a balance with a lower promotional APR before the promotional period expires, you must first psy olf all your other balances with higher APRs, including your Citi Flex Plan balance, before you can pay off that promotional balance. rlJ tn C3 cw For example, in a sample Bdkng Period, an Accounl with no past due or Qveriimk Amounls, has. Citi Flex Plan: $5,000 with a repayment period of 24 months at 16.99% APR Citi Flex Plan sfalement balance in sample Billing Period: $4,090 Citi Flex Plan interest chargein sample Billing Period: $56.92 Cill Flex Plan Payment Amount 'per Billing Period: $246 And Balance Transfer amount $3,500 Balance Transfer promofional APR: 0.00% (increases to standard Purchase APR of 19.99% after the promotion period endsin the next Billing Period) Minimum Payment Due for Balance Transfer amount: $53 (Caiculaiions are approximate and for iliusirative purposes only) The New Balance for the Account: is $7,590. The Adjusled New Balance is the New Balance ($7,590) less the Ciii Flex Plan Balance ($4,090j: $3,500. Your Minimum Payment Due is $301 ($53+ $248). You make a payment ol $3,746, which includes the Minimum Payment Due ($301) and an addilional amount over your Minimum Payment Due ($3,447). Because ihe Cili Flex Plan APRis higher than the Balance Transfer APR, the amount of your paymeni over the Minimum Payment Due will be applied lo your Citi Flex Plan balance before ihe Balance Transfer amount, leaving a Balance Transfer amount of $3,447. In the next Billing Period when the Balance Transfer promotional period ends, you will owe interest on this Balance Transfer amount at a 19.99% APR. Application of Payments. We deeda how to apply your payments, up to the Minimum Payment Due, to the balances on your Account. We may apply the Minimum Payment Due first to inferest charges, then lo the balance wifh the lowest APR and then to balances with higher APRs. If you pay more than the Minimum Payment Due, we'l apply the amount over the Minimum Payment Due first to the balance with the highest APR, then to the balance with the next highest APR, and so on, except as otherwise required by applicable law Payment Instructions. You must follow the instructions below when makmg a payment. If you do, we'l credit the payment to your Account as of the day we receive it. t. You must pay in U S. dollars. 2 You must use a check or electronic debit issued by a bank in the United States. 3. You musf not send us a check dated after the date that we receive it. 4. You must not enclose more than one check per envelope. 5. You must not include any restnctive endorsements on the check. 6. You must follow the additional payment instructions shown on your statement. If you don't pay in U.S. dollars and we accept your payment, we'l select the currency conversion rate, and you must pay our costs If you don't follow our payment instructions, we may not accept your payment, or there may be a delay in crediting your Account. Either may result in late fees and additional interest charges to your Accounf If you don't follow Ihe instructions in this Agreement or on your statement, we may accept your payment without losing our rights. We may reject a payment if it's more fhan the outstanding Account balance We also may close your Account. AUTHORIZED USERS Account Use by Authorized User . You can ask us to add one or more Authorized Users to your Account. If we approve, use of your Account by an Authonzed User is subjecf to the terms of this Agreement. You must: ~ Obtain permission from each Authonzed User before naming him or her as an Authorized User on your Account. ~ Make a copy of this Agreement available to each Authorized User. Pay us for all charges incurred by each Aufhonzed User. ~ Nobly us to remove an Authorizod User from your Account. If we remove an Authorized User, in some cases we may close your Account, open a new Account, and issue you a new Card You'e responsible for. Any Transactions made by an Authorized User on your Account Any Transacfion made by an Authonzed User even if the post dafe shown on your statement for that Transacton occurs after the date you ask us to remove the Authorized User from your Account. Any Transactions made by others if an Authorized User allows them to use your Account. Fees and charges resulting trom any Transactions made by an Authorized User or others if an Authonzed User allows them to use your Account. What can Authorized Users do? ~ Report lost or stolen Cards ~ Change the billing address for your Account ~ Make payments ~ Obtain Account information, such as Transacbon histones ~ Initiate billing disputes * Request statement copies Request refund checks Account Information Rights for Authorized Users. You allow us to discuss your Account with an Authorized User. This includes giving him or her access to your Account informabon and history. You also agree that an Authorized User may use and receive information about the Account the same way you do An Authorized User can't add other Authorized Users, adjust the credit kmit or close the Account Information about Authorized Users. You agree to give us certain personal information about each Authorized User. You must let each one know that you'l give us that information and you must have his or her permission to do so. You must have permission from each one to allow us Io share information abouf him or her as allowed by applicable law. This includes information we may get from you, any Authorized User and others. It also includes information about their Transactions on the Account. Credit Reporting. We report information abouf this Account to Consumer Reporting Agencies in the Authorized User's name that may appear on their credit report This coufd include mformation about: You must lei each Authorized User know that we report Account mformalion in his or her name. Also, see Credit Reporting in Section 8. Late Payments; Returned payments; Overlimit amounts; and Other violations of Ibis Agreement DEFAULT, CLOSING OR SUSPENDING YOUR ACCOUNT ixr trr cz 0 a flJ Default. We may require immediate paymenf of your total Account balance, to the exfent allowed by law, if any of the following occurs: 1. You don't pay at least the Minimum Payment Due by fhe due date. 2. You have a Returned Payment. 3. You file for bankruptcy or some ofher insolvency proceeding is filed by or against you. 4 You don't honor the terms of this Agreement. 5. You defaulf under any other card agreement you have with us. 6. You'e declared incompetent or mentally incapacitated, or in the event of your death. Closing or Suspending Your Account. We may close or suspend your Account if any of the evenfs listed above occur, or for any reason, or for no reason. We maydo this at any time, without notifying you, as allowed by law. We may cancel yourcurrent Card and issue you a substitute Card at any time. You also may close yourAccount at any time by notifying us by telephone or in writing. If we close or suspend your Account, or if you close your Account, you must pay us all amounts you owe on the Account (including any amount due on a Citi Flex Plan balance),even if fhey post to your Account after it's closed or suspended. Closing Secured Accounts. If your Accounl is a secured Account, you gave us a secunty mferest in a deposit account. This secures repayment of your Account if you wifhdraw your funds from the deposit account, we will close your Account. If you gave us a secunty mterest in a deposit account, we may use the deposit amount fo pay any amount you owe. CREDIT REPORTING You allow us lo get information about you. We get it from Consumer Reporting Agencies and other sources that provide consumer financiai informafion. You allow us to use it for. Renewal of your Account; Credit line increases or decreasos; Administration or review of your Account, collection and any other servicing; All other credit-related purposes connected with fhis Agreement; Offers for other cards, insurance products and other services; and Other uses permitted by law We report Account information in your name, as weil as informafion about you toConsumer Reporfing Agencies, on a monthly basis. The information we provide may appear on your credif reports. This can include information about: Late Payments; Refurned payments, Overlimit amounts, and Other violations of this Agreement. If you think we'e given incorrect information to a Consumer Reporting Agencyabout you (or about an Authorized User), please wnte to us at the Customer Service address on your statemenf and we'l research it. We'l let you know if we agree or disagree with you If we agree with you, we'l contact each Consumer Reporting Agency we reported to and request a correction. ACCOUNT INFORMATION, INFORMATION SHARING AND COMMUNICATIONS Changes to Account Information. You provided certain personal information to us when you opened your Account. You agree lo notify us if fhis information changes. If you don', or if we ask you to verify your Account information and you cannot, we may suspend or close your Account. Information Sharing. You agree to let us share information about you and yourAccount as allowed by Iaw. This includes information we get from you and ofhers Our pnvacy notice, which is enclosed with your new Account materials, describes reasons Cili can share its customers'ersonal information. COMMUNICATIONS Contacting You. You agree that we (and/or our service providers or anyone we authonze) may contact you at any phone number, email address, or mailing address you provide or we obiain in other ways. This mcludes communications to mobile, cellular/wireless, or similar devices. We may contacf you by live operator, auto-dialer, recorded or artificial voice, text, or email. You agree to pay any charges from your plan provider for communications we send to you, as weil as communications you send to us. How We Capture and Use Voiceprints. We may use voice recognition technology to verify your identity when you call. We may capfure and store your voiceprinf forthis purpose. Call Monitoring. We may monitor and record any calls between you and us. Notices. We send any nofices to your billing address or, if you'e agreed, by email to the address you gave us. We consider a nobce sent as soon as we mail it. We consider an electronic notice sent as soon as we email tt, unless we receive notifrcation fhal the email was undeliverable. TRANSACTIONS rtt trv CI 0 UJ Merchant Refunds. A merchanl reft&nd to your Account will post to your Account as a credit. We don't control when a merchant sends an Account credit. We'l choose how to apply the credit to your existing Account balances, mcludtng whether to apply a credit to a Citi Flex Plan o" a different balance. If you behave a merchant credit has not been applied properly, please contact us. If a credit creates a credtl balance on your Account, we'l mail you a check for the amount of the credit balance. Nots: Merchant Surcharges. Some merchants, including merchants outside of the U,S., may charge you a fee to use your Card for a Purchase. The fee will be either a percentage of the amount of your Purchase, or a fiat fee, and will be added lo fhe amount of your Purchase. Usually, a merchant will tell you about this fee before you use your Card, but not always. We don'I control these fees, and can't prevent them. Recurring Authorized Transactions. If you authonze a merchant or any other person to charge your Account for recurring Transactions, you must nottfy the merchant if: ~ You want to discontinue these Transacfions; ~ Your Account is closed; ~ Your Account number changes; ~ Your Card expiration date changes. You'e responsible for reinstating any recurring authorized Transactions. Refusal of the Card. We don't guarantee approval of Transacttons. We are not sable for those that aren't approved, even if you have enough available credtt on your Account If we detecf unusual or suspicious acfivtty, we may suspend your credit privileges. We also may ltmtt the number of Transactions approved tn a stngie ria7. ARBITRATION PLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY. This secbon provides thaf disputes may be resolved by binding arbitratton. Arbttration replaces the right to go to court, have a jury trral or initiate or participate in a class action. In arbitration, disputes are resolved by an arbtfrator, not a judge or jury. Arbitration procedures are simpler and more limited than in court. This arbitration provision is governed by the Federal Arbttration Act (FAA), and shall be interpreted in the broadesf way fhe law will allow. Covered claims You or we may arbitrate any claim, dispute or controversy befween you and us ansing out of or related to your Account, a previous related Account or our relationship (called "Claims" ). If arbitration is chosen by any party, neither you nor we will have the right to litigate that Claim in court c'r have a jury trial on that Claim. Except as stated below, all Claims are sublect to arbitration, no matter what legal theory fhey're based on or what rem'y (damages, or injuncttve or declaratory rehef) Ihey seek, including Claims bnsed on contract, tort (tncluding intentional tort), fraud, agency, your or our negligenco, statutory or regulatory provistons, or any other sources of law; Claims made as counterclaims, cross-claims, third-party claims, interpleaders or otherwise, Claims made regarding past, present, or future conduct; and Claims made indepenrlently or with other claims. This also includes Claims made by or against anyone connected with us or you or claiming through us or you, or by someone making a claim through us or you, such as a co-applicant, authorized user, employee, agent, ropresentative or an affiliated/parent/ subsidiary company. Arbitration limits Indtvidual Clatms filed in a small claims court are not subiect to arbitrabon, as long as the matter stays in small claims court. ~ We won'f mitiate arbitration to collect a debt from you unless you choose to arbitrate or assert a Claim against us. If you assert a Clatm against us, we can choose to arbitrate, including actions to collect a debt from you. You may arbitrate on an individual basis Claims brought against you, including Claims to collect a debt ~ Claims brought as part of a class action, private attorney general or other representative action can be arbitrated only on an individual basrs The arbitrator has no authonty to arbitrate any claim on a class or representative basta and may award relief only on an individual basis. If arbitration is chosen by any party, neither you nor we may pursue a Claim as part of a class action or other representative action. Ciatms of 2 or more persons may not be combined tn the same arbitration However, applicants, co-applicants, authonzed users on a smgle Accounf and/or related Accounts, or corporate affiliates are here constdered as one person. How arbitration works ~ Arbitration shall be conducted by the American Arbitratton Association ("AAA") according to this arbitration prowston and the applicable AAA arbttratton rules in effect when the clatm is filed ("AAA Rules"), except where those rules confltct with this arbitration proviston. You can obtam copies of the AAA Rules at the AAA's webstte (www.adr.org) or by callmg 800-778-7879. You or we may choose to have a heanng, appear at any hearing by phone or other electronic means, and/or be represenfed by counsel. Any tn-person hearing wal be held tn the same city as the U.S, Dislnct Court closest to your billing address. ~ Arbttration may be requested any lime, even where there ts a pendmg lawsutt, unless a tnal has begun or a final judgment entered. Neifher you nor we waive the nght to arbitrate by ffkng or serving a complaint, answer, counferclatm, mobon, or discovery in a court lawsutt To choose arbitration, a party may file a motton to compel arbitration in a pending matter and/or commence arbitration by submifting fhe required AAA forms and requisite fthng fees to the AAA ~ The arbitration shall be conducted by a single arbttrator in accord with thts arbitrabon provision and the AAA Rules, whtch may lim&t discovery. The arbitrator shall not apply any federal or state rules of ctvtl procedure for 10 discovery, but the arbitrafor shall honor claims of privilege recognized ai law and shall take reasonable sfeps to protect Account mformation and other confidential information ot either party if requested to do so. The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statute of kmitations, and may award damages or other relief under applicable law. The arbitrator shall make any award in writing and, if requested by you or us, may provide a brief statement of the reasons for the award. An arbitration award shall decide the rights and obkgations only of the parties named in the arbitration, and shall not have any bearing on any other person or dispute. Paying for arbitration fees We will pay your share of the arbitration fee for an arbitration of Claims of $75,000 or less if they are unrelated to debt collection Otherwise, arbitration fees will be allocated according to the applicable AAA Rules If we prevail, we may not recover our arbitration fees, unless ihe arbitrator deades your Claim was fnvolous. All parties are responsible for their own attorney's fees, expert fees and any other expenses, unless the arbitrator awards such fees or expenses to you or us based on applicable law. ~ Any award by an arbitrator is final unless a party appeals it in writing to the AAA within 30 days of notice of the award. The arbitration appeal shall be determined by a panel of 3 arbitrators. The panel will consider all facts and legal issues anew based on the same evidence presented in the prior arbitration, and will make decisions based on a majonty vote. Arbitration fees for the arbitration appeal shall be allocated according to the applicable AAA Rules. An award by a panel on appeal is final. A final award is subject to judicial review as provided by applicable law. Survival and Severability of Terms This arbitration provision shall survive changes m this Agreement and termination of the Account or the relationship between you and us, including the bankruptcy of any party and any sale of your Account, or amounts owed on your Account, to another person or entity. If any part of this arbitration provision is deemed invalid or unenforceable, the other terms shall remain in force, except that there can be no arbitration of a class or representative Claim. This arbitration provision may not be amended, severed or waived, except as provided in this Agreemeni or in a written agreement between you and us. The final award AGREEMENT & BENEFIT CHANGES notify you and tell you how to reject. If we notify you of a change, we may do so on your statement or send you a separate written notice, either of which may be sent efectronically if permitted by applicable law. Changing Benefits. Any benefit, reward, service or feature offered may change or be disconbnued at any time for any reason. Separate terms and conditions will describe any exceptions. nu Changes to this Agreement. We rr ay change this Agreement for any reason and at any time, subject to applicable law, This means that we can change rates, and fees that apply to your Account. It also means we can add, replace or remove provisions of this Agreement. If required by applicable law, we'l give you notice of the changes. If you have the right to reject a change, we'l MISCELLANEOUS Assignment, We may assign any or all of our rights and obligations under this Agreement to a third party. You may not sell, assign or transfer your Accounf or any of your obligations under this Agreement. Governing Law. Federal law and the law of South Dakota govern the terms and enforcement of this Agreement. Enforcing this Agreement. We won't lose our rights under fhis Agreement because we delay in enformng them or fail to enforce them. If any provision of this Agreement is found to be unenforceable, all other provisions of the Agreement will remain in effect. Collection Costs. to the extent allcwed by law, you'e liable io us for our legal costs if we refer collection of your Account to a lawyer who isn't our salaried employee. These costs may include reasonable attorney's fees, as well as cosfs and expenses of any legal action. Unforeseen Circumstances. From time to time, our services might be unavailable due to circumstances beyond our confrol (such as fires, floods, natural disasters, system failures or other unpredictable evenfs). When this happens, you might not be able io use your Card or obtain information about your Account We'e not responsible or liable if this happens. Lost or Stolen Cards, Account Numbers or Account Checks. You must fry to prevent the unauthorized use of your Account and any Card, including your Accounf number. You must call us if any Card is loaf or stolen. Also, you must call us if you think someone has used or may use these items without permission. Headings. The headings in this Agreement are included as a matter of convemence and do not define, limit or enlarge the scope of this Agreement or any of its provisions. YOUR BILLING RIGHTS 11 This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. Keep this document for future use. Whhto Iojf~yo Fdifddtjyff~kon Your Statement if you think there is an error on your statement, write to us at the address for bilhng inquiries and correspondence shown on the front of your statement. In your letter, give us the following mformabon Account information.'Your name and account number. Dollar amount: The dollar amount of the suspected error. Description of 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 apoeared on your statement. Al least 3 business days before an automafed payment is scheduled, if you want to stop paymenf on the amount you think is wrong. 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. What Will Happen After We Receive Your Letter When we receive your letter, we must do 2 things: rU 1. Within 30 days of receiving your letter, we must tell you that we received your letler. We also will teil you if we have already corrected the error. 2. Within 90 days of receivmg your letter, we must either correcf Ihe error orLn explain to you why we believe fhe bill is correct. While we investigate whether or not there has been an error: We cannot try to collect lhe amount in question, or report you as delinquent on that amount. The transaction in question may remain on your statement, and we may continue to charge you interest on 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 againsf your credit limit. After we finish our investigation, one of 2 things will happen: ~ If we made a mistake: You will noi have to pay Ihe amount in question or any mterest or other fees related to that amount. ~ If we do not believe fhere was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and Ihe date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation buf still believe your bill is wrong, you must wnte to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting thai you are questioning your bill. We must tell you lhe name of anyone lo whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us If we do not follow all of the rules above, you do nof have lo pay the first $50 of the amount you question even if your bill is correct, Y~iIY ' Iqf0dh e~Ych» Ph If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made m your home slate or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made wdh cash advances from an ATM or with an Account check do not qualify 3. You must not yet have fully paid for the purchase If all of the crifena above are mef and you are still dissatisfied with the purchase, contacf us in writing at the address for billing inquiries and correspondence shown on the front of your stafement. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our invesbgation, we will teil you our decision. At that pomt, if we thmk you owe an amount and you do not pay, we may report you as delinquent For Further information: Call the Customer Service number shown on the statement or on the back of your Card if you need more information. 0 201 6 Citibank, NAg 12 PROOF OF SERVICE I SUPERIOR COURT OF CALIFORNIA, COUNTY OF SANTA CLARA DOWNTOWN SUPERIOR COURT 3 RE: CITIBANK, N.A. vs. LUIS C GONZALES, 4 CASE NO: 20CV361263 I declare that: I am a resident of, or employed in, Santa Clara County, California. I am over the age of eighteen years and not a party to the within entitled cause; My business address is: 151 Bernal Road Suite 8, San Iose, CA 95119-1306 8 On December 29, 2020, I served the attached: 9 - PLAINTIFF'S TRIAL EXHIBITS on the interested parties in said cause, by placing [ ] the original; [X] true copy thereof enclosed in a sealed envelope addressed as follows: 12 13 14 15 16 17 Luis C Gonzales % Cody R. LeJeune, Esq 2801 Camino Del Rio South, Suite 200A, San Diego, CA 92108 [X] BY MAIL:placing the envelope for collection and mailing following our ordinary business practices. I am readily familiar with this businesses practice for collecting and processing correspondence for mailing. On the same day that correspondence is placed for collection and mailing, it is deposited in the ordinary course of business with the United States Postal Service in a sealed envelope with postage fully prepaid. [ ] BY PERSONAL SERVICE: I caused such envelope to be delivered by hand to this office(s) I 9 of the addressee(s). 20 [ ] BY UNITED PARCFL SERVICE: I caused such envelope to be delivered by United Parcel Service for overriight courier service to the office(s) of the addressee(s).21 [ ] BY FACSIMILE: I caused a copy of such document to be sent via FACSIMILE to: 23 24 I declare under penalty of perjury under the laws of th true and correct that this declaration was executed on D 25 26 Keri Sa]et 27 28 cgoing is A. Page 1 of I 1380553.001
