Estmt - 2016 07 08

P.O.
Box 15284
Wilmington, DE 19850
Customer service information
Customer service: 1.800.432.1000

TDD/TTY users only: 1.800.288.4408
ZIYAN CHEN
4001 SHARON PARK LN APT 16
CINCINNATI, OH 45241-4001
En Espaol: 1.800.688.6086
bankofamerica.com
Bank of America, N.A.
P.O. Box 25118
Tampa, FL 33622-5118
Please see the Account Changes section of your statement for details regarding important changes to your account.
Your BofA Core Checking

for June 10, 2016 to July 8, 2016
Account number: 3340 0235 3704
ZIYAN CHEN
Account summary
Beginning balance on June 10, 2016
$37,254.27
Deposits and other additions
3,711.01
ATM and debit card subtractions
-1,507.06
Other subtractions
-1,383.73
Checks
-0.00
Service fees
-3.00
Ending balance on July 8, 2016
PULL: B CYCLE: 5 SPEC: E DELIVERY: E TYPE:
$38,071.49
IMAGE: I BC: GA
Page 1 of 10
ZIYAN CHEN ! Account # 3340 0235 3704 ! June 10, 2016 to July 8, 2016
IMPORTANT INFORMATION:
BANK DEPOSIT ACCOUNTS
Updating your contact information - We encourage you to keep your contact information up-to-date. This includes address, email
and phone number. If your information has changed, the easiest way to update it is by visiting the Help & Support tab of Online
Banking. Or, you can call our Customer Service team.
Deposit agreement - When you opened your account, you received a deposit agreement and fee schedule and agreed that your
account would be governed by the terms of these documents, as we may amend them from time to time. These documents are
part of the contract for your deposit account and govern all transactions relating to your account, including all deposits and
withdrawals. Copies of both the deposit agreement and fee schedule which contain the current version of the terms and
conditions of your account relationship may be obtained at our financial centers.
Electronic transfers: In case of errors or questions about your electronic transfers - If you think your statement or receipt is
wrong or you need more information about an electronic transfer (e.g., ATM transactions, direct deposits or withdrawals,
point-of-sale transactions) on the statement or receipt, telephone or write us at the address and number listed on the front of
this statement as soon as you can. We must hear from you no later than 60 days after we sent you the FIRST statement on
which the error or problem appeared.
-
Tell us your name and account number.

Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe there is an error or
why you need more information.
Tell us the dollar amount of the suspected error.
For consumer accounts used primarily for personal, family or household purposes, we will investigate your complaint and will
correct any error promptly. If we take more than 10 business days (10 calendar days if you are a Massachusetts customer) (20
business days if you are a new customer, for electronic transfers occurring during the first 30 days after the first deposit is
made to your account) to do this, we will credit your account for the amount you think is in error, so that you will have use of the
money during the time it will take to complete our investigation.
For other accounts, we investigate, and if we find we have made an error, we credit your account at the conclusion of our
investigation.
Reporting other problems - You must examine your statement carefully and promptly. You are in the best position to discover
errors and unauthorized transactions on your account. If you fail to notify us in writing of suspected problems or an
unauthorized transaction within the time period specified in the deposit agreement (which periods are no more than 60 days
after we make the statement available to you and in some cases are 30 days or less), we are not liable to you for, and you agree
to not make a claim against us for the problems or unauthorized transactions.
Direct deposits - If you have arranged to have direct deposits made to your account at least once every 60 days from the same
person or company, you may call us at the telephone number listed on the front of this statement to find out if the deposit was
made as scheduled. You may also review your activity online or visit a financial center for information.
2016 Bank of America Corporation
Page 2 of 10
Your checking account

Deposits and other additions

Date
Description
Amount
06/16/16
J&J SHARED SERVI DES:PAYROLL

PPD
ID:00547098 INDN:Ziyan Chen
CO ID:9606952003
1,855.50
06/30/16
J&J SHARED SERVI DES:PAYROLL

PPD
ID:00547098 INDN:Ziyan Chen
CO ID:9606952003
1,855.51
Total deposits and other additions
$3,711.01
Withdrawals and other subtractions

ATM and debit card subtractions
Date
Description
Amount
06/10/16
CHECKCARD 0609 BLUE GIBBON CINCINNATI OH 24445006161300305521188
-24.15
06/10/16
SPEEDWAY 03081 06/09 #000761333 PURCHASE SPEEDWAY 03081 SH SHARONVILLE OH
06/10/16
KROGER
06/10 #000511725 PURCHASE 4100 HUNT RD.
BLUE ASH
OH
-22.88
06/10/16
KROGER
06/10 #000541433 PURCHASE 4100 HUNT RD.
BLUE ASH
OH
-14.89
06/13/16
CHECKCARD 0609 STARBUCKS STORE 21212 BLUE ASH
OH 24692166162000340213970
-4.65
06/13/16
CHECKCARD 0610 8074 ETHICON 11080744 CINCINNATI OH 24164076162937030245152
-6.30
06/13/16
CHECKCARD 0610 SICHUAN CHILI CHINESE R CINCINNATI OH 24445006162300314494707
-24.98
06/13/16
CHECKCARD 0611 SUPERIOR HONDA CINCINNATI OH 24323006163636000033879
-16.17
06/13/16
CHECKCARD 0611 SUPERIOR HONDA CINCINNATI OH 24323006163636000033945
-34.24
06/13/16
KROGER
-21.81
06/13/16
CHECKCARD 0611 CINCINNATI ASIA MARKET CINCINNATI OH 24692166164000208808133
-14.17
06/13/16
CHECKCARD 0611 STARBUCKS STORE 11652 CINCINNATI OH 24692166164000433440777
-4.75
06/13/16
BEST BUY #494 06/11 #000032278 PURCHASE 9871 WATERSTONE B CINCINNATI
06/13/16
KROGER
06/14/16
06/11 #000085438 PURCHASE 12114 LEBANON PIK SHARONVILLE OH
OH
-3.91
-138.75
-20.03
-2.75
continued on the next page
Page 3 of 10
Withdrawals and other subtractions - continued

ATM and debit card subtractions - continued
Date
Description
Amount
06/14/16
-4.20
06/15/16
-3.05
06/15/16
-2.99
06/15/16
KROGER
06/16/16
CHECKCARD 0614 EL RANCHO GRANDE SHARONVILLE OH 24013396167002061318020
-27.98
06/16/16
CHECKCARD 0615 SPEEDWAY 03081 SHA SHARONVILLE OH 24224436168104025771449
-41.64
06/16/16
-3.05
06/16/16
-2.99
06/16/16
KROGER
06/17/16
-1.50
06/17/16
-1.50
06/17/16
-2.99
06/17/16
-1.70
06/20/16
-1.50
06/20/16
CHECKCARD 0617 ARIAKE MIAMISBURG OH 24435656170207900500314
-33.52
06/20/16
-23.98
06/20/16
-3.41
06/20/16
CHECKCARD 0618 EL RANCHO GRANDE SHARONVILLE OH 24013396171002663350524
-17.11
06/20/16
KROGER
-20.72
06/20/16
CHECKCARD 0618 CINCINNATI ASIA MARKET CINCINNATI OH 24692166171000047820480
-13.75
06/20/16
KROGER
-16.70
06/20/16
KROGER
-20.48
06/20/16
KROGER
-17.74
06/21/16
-3.45
06/21/16
CHECKCARD 0620 USA*DERRINGER FOOD SERV CINCINNATI OH 24692166172000943652259
-1.60
06/21/16
-2.99
06/22/16
-0.70
06/22/16
-3.05
06/22/16
-19.98
06/22/16
-7.40
06/23/16
-1.60
06/23/16
CHECKCARD 0622 EL PICANTE LOVELAND
06/24/16
CHECKCARD 0623 TWC*TIMEWARNERCABLE 513-469-1112 OH 24692166175000368914157

RECURRING
OH 24717056175731753351878
-31.43
-19.79
-15.05
-69.99
Page 4 of 10


Date
Description
Amount
06/24/16
CHECKCARD 0623 CHIPOTLE 0672 CINCINNATI OH 24431066176286488903439
-15.23
06/24/16
KROGER
-19.69
06/27/16
-0.70
06/27/16
-19.98
06/27/16
KROGER
-18.22
06/27/16
06/27/16
CHECKCARD 0625 GOOGLE *HBO Dig Sv Inc g.co/payhelp#CA 24692166177000661232305
06/27/16
-7.34
06/27/16
CHECKCARD 0625 FIFTH AND RACE LLC CINCINNATI OH 24435656178016842000008
-6.00
06/27/16
CHECKCARD 0625 SUNG KOREAN BISTRO CINCINNATI OH 24269796178100968797202
-14.84
06/27/16
CHECKCARD 0626 61989 - THE CENTER AT 6 CINCINNATI OH 24299106178003627772648
-10.00
06/27/16
CHECKCARD 0626 WAFFLE HOUSE 0175 CINCINNATI OH 24431066178286188900824
-17.60
06/27/16
KROGER
-40.48
06/27/16
-11.89
06/27/16
KROGER
-27.47
06/28/16
CHECKCARD 0625 RHINEGEIST BREWERY CINCINNATI OH 24247606179100818850620
-7.00
06/28/16
CHECKCARD 0625 RHINEGEIST BREWERY CINCINNATI OH 24247606179100818850703
-7.00
06/28/16
-1.50
06/28/16
-1.60
06/28/16
KROGER
06/29/16
-2.20
06/29/16
-11.41
06/29/16
KROGER
-23.48
06/30/16
KROGER
-9.99
07/01/16
CHECKCARD 0630 NETFLIX.COM NETFLIX.COM CA 24692166182000257013468 RECURRING
-7.99
07/01/16
-7.40
07/01/16
KROGER
07/05/16
-1.50
07/05/16
-26.98
07/05/16
-3.41
07/05/16
BEST BUY #494 07/03 #000012675 PURCHASE 9871 WATERSTONE B CINCINNATI
07/01 #000011561 PURCHASE 4100 HUNT RD.
BLUE ASH
OH
-3.41
-15.96
-18.75
-97.12
OH
-70.22
Page 5 of 10

Date
Description
Amount
07/05/16
TARGET T-1091 07/03 #000077535 PURCHASE 9841 Waterstone B Cincinnati
07/05/16
07/05/16
KROGER
07/06/16
CHECKCARD 0705 SPEEDWAY 03081 SHA SHARONVILLE OH 24224436188102019957871
-34.54
07/06/16
KROGER
-19.98
07/07/16
-1.50
07/07/16
-7.73
07/07/16
-1.60
07/07/16
KROGER
-3.59
07/08/16
-1.60
07/08/16
-1.15
07/08/16
-16.18
07/08/16
PAYPAL *NAAAP 07/07 #000719330 PURCHASE 2211 North First San Jose
-13.29
07/08/16
07/08/16
KROGER
OH
-12.79
CA
Total ATM and debit card subtractions
-3.41
-33.00
-3.41
-32.97
-$1,507.06
Other subtractions
Date
Description
06/20/16
DUKE ENERGY OH DES:WEB_PAY

ID:XXXXXXXXX WEB
06/27/16
TRANSFER ZIYAN CHEN:ZIYAN CHEN Confirmation# 1602968077
07/05/16
NAVIENT
PPD
DES:NAVI DEBIT ID:92203128391001F INDN:
07/06/16
Shadow Hill I
DES:RENT
07/08/16
T-MOBILE
DES:PCS SVC
Total other subtractions
Amount
ID:09770793052716 INDN:ZIYAN CHEN
ID:5505080 INDN:ZIYAN*CHEN
ID:9712647 INDN:ZIYAN CHEN
CO
-32.84
-385.85
CO ID:3520974271
CO ID:0000097323 WEB
CO ID:0000450304 WEB
-60.95
-801.00
-103.09
-$1,383.73
Page 6 of 10

Service fees
Date
Transaction description
06/28/16
External transfer fee - 3 Day -
Amount
06/27/2016
Total service fees
-3.00
-$3.00
Note your Ending Balance already reflects the subtraction of Service Fees.
To help you BALANCE YOUR CHECKING ACCOUNT, visit bankofamerica.com/statementbalance or the Statements and Documents tab
in Online Banking for a printable version of the How to Balance Your Account Worksheet.
Page 7 of 10
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Page 8 of 10
Account Changes
We want to make sure you stay up-to-date on changes to your accounts.
Bank of America Core Checking Account Change:

We are changing how we calculate the balance requirement needed to avoid the monthly maintenance fee on your checking
account. Beginning with your statement cycle that starts on or after October 8, 2016, to avoid the monthly maintenance fee,
you will need to maintain a "minimum" daily balance of $1,500 or more in your account instead of the "average" daily balance
required today. This means you will need to ensure your account balance does not fall below $1,500 during your statement
cycle.
The $12 monthly maintenance fee is not changing and you can avoid it when you meet any ONE of the following requirements
during each statement cycle:
- Have at least one qualifying direct deposit of $250 or more, such as your salary, pension, Social Security or other regular
monthly income
OR
- Keep a minimum daily balance of $1,500 or more in your account
OR
- Enroll in our Preferred Rewards program and qualify for the Gold, Platinum or Platinum Honors tier (waiver applies to your
first 4 checking accounts). Visit bankofamerica.com/preferred-rewards to learn more.
Students under age 23 are eligible for a waiver of the monthly maintenance fee while enrolled in a high school or in a college,
university, or vocational program.
Please stop by a financial center or give us a call at the number listed on this statement if you have any questions about this
change or would like to discuss other account options that might be right for you, like our Preferred Rewards program.
Page 9 of 10
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Page 10 of 10

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P.O.

Customer service information

Customer service: 1.800.432.1000

Your BofA Core Checking

Account number: 3340 0235 3704

Deposits and other additions

ATM and debit card subtractions

Ending balance on July 8, 2016

PULL: B CYCLE: 5 SPEC: E DELIVERY: E TYPE:

Tell us your name and account number.

Your checking account

Deposits and other additions

J&J SHARED SERVI DES:PAYROLL

ID:00547098 INDN:Ziyan Chen

J&J SHARED SERVI DES:PAYROLL

ID:00547098 INDN:Ziyan Chen

Total deposits and other additions

Withdrawals and other subtractions

CHECKCARD 0609 BLUE GIBBON CINCINNATI OH 24445006161300305521188

SPEEDWAY 03081 06/09 #000761333 PURCHASE SPEEDWAY 03081 SH SHARONVILLE OH

06/10 #000511725 PURCHASE 4100 HUNT RD.

06/10 #000541433 PURCHASE 4100 HUNT RD.

CHECKCARD 0609 STARBUCKS STORE 21212 BLUE ASH

CHECKCARD 0610 8074 ETHICON 11080744 CINCINNATI OH 24164076162937030245152

CHECKCARD 0610 SICHUAN CHILI CHINESE R CINCINNATI OH 24445006162300314494707

CHECKCARD 0611 SUPERIOR HONDA CINCINNATI OH 24323006163636000033879

CHECKCARD 0611 SUPERIOR HONDA CINCINNATI OH 24323006163636000033945

CHECKCARD 0611 CINCINNATI ASIA MARKET CINCINNATI OH 24692166164000208808133

CHECKCARD 0611 STARBUCKS STORE 11652 CINCINNATI OH 24692166164000433440777

BEST BUY #494 06/11 #000032278 PURCHASE 9871 WATERSTONE B CINCINNATI

CHECKCARD 0613 8074 ETHICON 11080744 CINCINNATI OH 24164076165937030242479

06/11 #000085438 PURCHASE 12114 LEBANON PIK SHARONVILLE OH

06/13 #000084242 PURCHASE 12114 LEBANON PIK SHARONVILLE OH

Withdrawals and other subtractions - continued

CHECKCARD 0613 8074 ETHICON 11080744 CINCINNATI OH 24164076165937030244160

CHECKCARD 0614 8074 ETHICON 11080744 CINCINNATI OH 24164076166937640555921

SPEEDWAY 03081 06/15 #000200300 PURCHASE SPEEDWAY 03081 SH SHARONVILLE OH

CHECKCARD 0614 EL RANCHO GRANDE SHARONVILLE OH 24013396167002061318020

CHECKCARD 0615 SPEEDWAY 03081 SHA SHARONVILLE OH 24224436168104025771449

CHECKCARD 0615 8074 ETHICON 11080744 CINCINNATI OH 24164076167937640550566

SPEEDWAY 03081 06/15 #000531820 PURCHASE SPEEDWAY 03081 SH SHARONVILLE OH

CHECKCARD 0616 8074 ETHICON 11080744 CINCINNATI OH 24164076168937640550920

CHECKCARD 0616 8074 ETHICON 11080744 CINCINNATI OH 24164076168937640551613

SPEEDWAY 03081 06/17 #000222406 PURCHASE SPEEDWAY 03081 SH SHARONVILLE OH

SPEEDWAY 03081 06/17 #000698823 PURCHASE SPEEDWAY 03081 SH SHARONVILLE OH

CHECKCARD 0617 8074 ETHICON 11080744 CINCINNATI OH 24164076169937640494060

CHECKCARD 0617 ARIAKE MIAMISBURG OH 24435656170207900500314

CHECKCARD 0617 SICHUAN CHILI CHINESE R CINCINNATI OH 24445006169300329873120

SPEEDWAY 03081 06/17 #000779793 PURCHASE SPEEDWAY 03081 SH SHARONVILLE OH

CHECKCARD 0618 EL RANCHO GRANDE SHARONVILLE OH 24013396171002663350524

CHECKCARD 0618 CINCINNATI ASIA MARKET CINCINNATI OH 24692166171000047820480

06/19 #000085939 PURCHASE 12114 LEBANON PIK SHARONVILLE OH

06/19 #000082185 PURCHASE 12114 LEBANON PIK SHARONVILLE OH

06/20 #000086619 PURCHASE 12114 LEBANON PIK SHARONVILLE OH

CHECKCARD 0620 8074 ETHICON 11080744 CINCINNATI OH 24164076172937640397003

CHECKCARD 0620 USA*DERRINGER FOOD SERV CINCINNATI OH 24692166172000943652259

SPEEDWAY 03081 06/21 #000248765 PURCHASE SPEEDWAY 03081 SH SHARONVILLE OH

CHECKCARD 0621 8074 ETHICON 11080744 CINCINNATI OH 24164076173937640535973

CHECKCARD 0621 8074 ETHICON 11080744 CINCINNATI OH 24164076173937640536542

CHECKCARD 0621 SICHUAN CHILI CHINESE R CINCINNATI OH 24445006173300306943403

SPEEDWAY 03081 06/22 #000530592 PURCHASE SPEEDWAY 03081 SH SHARONVILLE OH

CHECKCARD 0622 USA*DERRINGER FOOD SERV CINCINNATI OH 24692166174000119548636

CHECKCARD 0622 EL PICANTE LOVELAND