Page 1 of 5 02/17/20

DC 2413984534

Account : 2413984534 Routine: 114013284

RICARDO D BROUGHTON
926 SPRING RD NW
WASHINGTON DC 20010-1539

Your consolidated statement Contact us

(600) BANK-IBC or
For 02/17/2020 IBC.com
(800) 226-5228

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If you are traveling outside of the USA and have concerns about accessing your account while you are traveling, please contact your
Branch Banker or call us at 800-BANK IBC.

Summary of your accounts

ACCOUNT NAME ACCOUNT NUMBER BALANCE ($) DETAILS ON
IBC BANKING 2413984534 964.80 page 1
Total checking and money market savings accounts $964.80

IBC BANKING 2413984534 7.60 page 3

Total savings accounts $7.60

Checking and money market savings accounts

■ BANKING 2413984534
Account summary
Your previous balance as of 02/18/2020 $2,074,21
Checks - 701.39
Other withdrawals, debits and service charges - 6,242.34
Deposits, credits and interest + 5,834.32
Your new balance as of 02/17/2020 = $964.80
Average Posted Balance in Statement Cycle $1,048.00

Checks
DATE CHECK # AMOUNT ($) DATE CHECK # AMOUNT ($) DATE CHECK # AMOUNT ($)
02/26 1401 450.00 02/05 *965025 101.39 02/09 985026 150.00
* indicates a skip in sequential check numbers above this item Total checks = $701.39

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IBC BANKING 2413984534 (continued)

Other withdrawals, debits and service charges

DATE DESCRIPTION AMOUNT ($)
02/19 IBC ONLINE BILL PAYMENT ONLINE PMT CREDIT CARD CKF768752662POS 100.00
02/19 IBC ONLINE BILL PAYMENT ONLINE PMT FIRST PROGRESS CKF768752662POS 100.00
02/19 IBC ONLINE BILL PAYMENT ONLINE PMT MERRICK BANK CKF768752662POS 100.00
02/19 IBC ONLINE BILL PAYMENT ONLINE PMT CREDIT ONE BANK CKF768752662POS 200.00
02/19 DEBIT CARD PURCHASE-PIN 05-18-20 WASHINGTON DC 6901 SAFEWAY 2808 27.21
02/19 CC PMT LEADBANKSELFLEND 6438 RICARDO BROUGHTON 62.62
02/20 INTERNET PAYMENT PAYMENT FSB BLAZE 518213010852770 75.00
02/21 DEBIT CARD PURCHASE SHELL OIL 10000581 05-19 WASHINGTON DC 6901 1.99
02/21 INTERNET PAYMENT PAYMENT FIRST SAVINGS 543360180270219 100.00
02/22 DEBIT CARD PURCHASE SHELL OIL 57525762 05-20 BALTIMORE MD 6901 28.00
02/22 DEBIT CARD PURCHASE PREMIER Bankcard 05-21 605-3573440 SD 6901 335.00
02/22 DEBIT CARD PURCHASE-PIN 05-22-20 BALTIMORE MD 6901 ROYAL FARMS 138 16.60
02/26 DEBIT CARD PURCHASE-PIN 05-22-20 BALTIMORE MD 6901 RUSSELL STREET C 20.00
02/26 DEBIT CARD PURCHASE-PIN 05-25-20 CLINTON MD 6901 CVS/PHARMACY #01 01491--8 26.67
02/26 PAYMENT LEGACY VISA PYMT 5169 BROUGHTON.RICARDO D 56.50
02/26 DEBIT CARD PURCHASE-PIN 05-28-20 BALTIMORE MD 6901 RUSSELL STREET C 24.50
02/01 DEBIT CARD PURCHASE Q & Q CLEANERS 05-29 WASHINGTON DC 6901 47.55
02/01 DEBIT CARD PURCHASE-PIN 05-29-20 WASHINGTON DC 6901 SAFEWAY 2808 27.34
02/01 DEBIT CARD RECURRING PYMT METROPCS AUTO PAY 05-30 888-863-8768 WA 6901 60.00
02/01 DEBIT CARD PURCHASE-PIN 05-30-20 WASHINGTON DC 6901 1601 NEW YORK AVE 11,99
02/01 DEBIT CARD PURCHASE FORESTVILLE EXXON 05-30 FORESTVILLE MD 6901 10.00
02/01 DEBIT CARD PURCHASE COLDSTONE CREAMERY 05-30 WALDORF MD 6901 28.93
02/01 DEBIT CARD PURCHASE-PIN 05-30-20 WALDORF MD 6901 SAFEWAY 0105 15.00
02/01 DEBIT CARD PURCHASE-PIN 05-30-20 FORESTVILLE MD 6901 SHOPPERS FOOD/PHARM 2669 69.43
02/01 DEBIT CARD PURCHASE RENTSPREE LLC 05-31 323-515-7757 CA 6901 30.00
02/01 DEBIT CARD PURCHASE SHOPPERS FOOD / PH 05-31 FORESTVILLE MD 6901 8.99
02/01 DEBIT CARD PURCHASE-PIN 06-01-20 FORESTVILLE MD 6901 7-ELEVEN 4.23
02/01 CC PMT LEADBANKSELFLEND 5387 RICARDO BROUGHTON 64.87
02/01 INTERNET PAYMENT PAYMENT FSB BLAZE 51 821 301 0852770 102.78
02/02 IBC ONLINE BILL PAYMENT ONLINE PMT MERRICK BANK CKF768752662POS 92.83
02/02 IBC ONLINE BILL PAYMENT ONLINE PMT CREDIT ONE BANK CKF768752662POS 150.00
02/02 IBC ONLINE BILL PAYMENT ONLINE PMT FIRST PROGRESS CKF768752662POS 150.00
02/02 DEBIT CARD PURCHASE-PIN 06-01-20 WASHINGTON DC 6901 SAFEWAY 2808 24.31
02/02 IBC 24 CASH WITHDRAWAL 06-02-20 6901 DC-KENYON SQUARE WASHINGTON DC 160.00
02/02 TELEPHONE PAYMENT PAYBYPHONE CREDITCARD PYMNT 1361403418 138.72
02/03 DEBIT CARD PURCHASE-PIN 06-02-20 BALTIMORE MD 6901 ROYAL FARMS 138 32.60
02/03 PAYMENTS LEADBANKSELFLEND 1496 RICARDO BROUGHTON 25.00
02/03 INTERNET PAYMENT ePay Fortiva MC PMT FORTIVA MC PMT 98.09
02/03 INTERNET PAYMENT Payment Credit One Bank 42144109 109.00
02/04 DEBIT CARD PURCHASE PRICE BUSTERS FURN 06-02 BROOKLYN PARK MD 6901 200.00
02/04 DEBIT CARD PURCHASE AMZN Mktp US'MY9MU 06-03 Amzn.corn/bill WA 6901 57.18
02/04 IBC ONLINE BILL PAYMENT ONLINE PMT FIRST PROGRESS CKF768752662POS 104.94
02/04 DEBIT CARD PURCHASE DOUBLE GOOD POPCOR 06-03 630-568-5544 IL 6901 51.45
02/04 DEBIT CARD PURCHASE-PIN 06-03-20 BALTIMORE MD 6901 ROYAL FARMS 138 12.60
02/04 DEBIT CARD PURCHASE-PIN 06-03-20 WASHINGTON DC 6901 SAFEWAY 2808 32.87
02/05 DEBIT CARD PURCHASE-PIN 06-04-20 BALTIMORE MD 6901 RUSSELL STREET C 25.00
02/05 DEBIT CARD PURCHASE-PIN 06-04-20 WASHINGTON DC 6901 SAFEWAY 2808 3.00
02/05 DEBIT CARD PURCHASE-PIN 06-05-20 WASHINGTON DC 6901 SMM CORPORATION 4.22
02/05 RECURRING INTERNET PAYMENT DIRECTPAY CAPITAL ONE AUTO 006206270989798 403.88
02/08 DEBIT CARD PURCHASE Etsy.com 06-05 718-8557955 NY 6901 46.40
02/08 DEBIT CARD PURCHASE DASH IN #1501 - HA 06-05 BALTIMORE MD 6901 8.00
02/08 DEBIT CARD PURCHASE-PIN 06-05-20 BALTIMORE MD 6901 ROYAL FARMS 138 12.60
02/08 DEBIT CARD PURCHASE-PIN 06-05-20 CLINTON MD 6901 WAL-MART #2799 78.33
02/08 DEBIT CARD PURCHASE RENTLY.COM 06-05 888-340-6340 CA 6901 0.99
02/08 DEBIT CARD PURCHASE WENDYS #6535 06-06 WASHINGTON DC 6901 17.13
02/08 DEBIT CARD PURCHASE ROYAL FARMS #287 06-06 DISTRICT HEIG MD 6901 20.00
02/08 DEBIT CARD PURCHASE FAMILY DOLLAR #413 06-06 TEMPLE HILLS MD 6901 5.30
02/08 DEBIT CARD PURCHASE GOLDEN SKILLET 06-06 FORESTVILLE ME 6901 11.33
02/08 DEBIT CARD PURCHASE SAVE-A-LOT #533 06-06 FORESTVILLE MD 6901 24.63
02/08 DEBIT CARD PURCHASE NY CHICKEN AND GRI 06-07 DISTRICT HEIG MD 6901 22.77
02/08 DEBIT CARD PURCHASE-PIN 06-07-20 DISTRICT HEIG MD 6901 ROYAL FARMS #287 4.01

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 Page 3 of 5 02/17/20
DC 2413984534
continued

■ IBC BANKING 1 090001 004290 (continued)

DATE DESCRIPTION AMOUNT ($)
02/08 DEBIT CARD PURCHASE-PIN 06-07-20 DISTRICT HEIG MD 6901 ROYAL FARMS #287 10
02/08 DEBIT CARD PURCHASE PAYPAL*LATAPA2019 06-07 402-935-7733 CA 6901 36.78
02/08 INTERNET PAYMENT PAYMENT FIRST SAVINGS 543360180270219 0.90
02/09 INTERNET PAYMENT FEBRUARY Subsc Current kZJFJ6uPk56ybWC 4.99
02/10 DEBIT CARD PURCHASE-PIN 06-09-20 BALTIMORE MD 6901 ROYAL FARMS 138 20.69
02/10 DEBIT CARD PURCHASE-PIN 06-09-20 WASHINGTON DC 6901 SAFEWAY 2808 6.99
02/11 DEBIT CARD PURCHASE-PIN 06-10-20 WASHINGTON DC 6901 SAFEWAY 2808 5.78
02/12 DEBIT CARD PURCHASE-PIN 06-12-20 BALTIMORE MD 6901 SHELL SERVICE STATION 32.37
02/12 8662580165 VBS BetterDay 43in Ricardo Broughton 203.05
02/12 8662580165 VBS BetterDay 44pd Ricardo Broughton 1,149.69
02/15 DEBIT CARD PURCHASE SHELL OIL 57525762 06-11 BALTIMORE MD 6901 7.79
02/15 DEBIT CARD PURCHASE SUBWAY 0448 06-11 WASHINGTON DC 6901 7.30
02/15 DEBIT CARD PURCHASE-PIN 06-12-20 BALTIMORE MD 6901 SHELL SERVICE STATION 16.47
02/15 DEBIT CARD PURCHASE-PIN 06-12-20 BALTIMORE MD 6901 7-ELEVEN 7.22
02/15 DEBIT CARD PURCHASE OCEAN BEAUTY 06-12 TEMPLE HILLS MD 6901 6.35
02/15 DEBIT CARD PURCHASE SUBWAY 0448 06-12 WASHINGTON DC 6901 10.60
02/15 DEBIT CARD PURCHASE Q & Q CLEANERS 06-13 WASHINGTON DC 6901 13.98
02/15 DEBIT CARD PURCHASE-PIN 06-13-20 WASHINGTON DC 6901 SAFEWAY 2808 21.83
02/15 DEBIT CARD PURCHASE-PIN 06-13-20 DISTRICT HEIG MD 6901 ROYAL FARMS #287 10.00
02/15 DEBIT CARD PURCHASE CHECKERS #5936 06-13 CAMP SPRINGS MD 6901 19.48
02/15 DEBIT CARD PURCHASE-PIN 06-13-20 SUITLAND MD 6901 AUTOZONE 6539 4803 ALLEN 19.06
02/15 DEBIT CARD PURCHASE-PIN 06-14-20 DISTRICT HEIG MD 6901 ROYAL FARMS #269 22.36
02/16 DEBIT CARD PURCHASE METRO PCS 5600 06-14 201-538-1876 MD 6901 114.30
02/16 DEBIT CARD PURCHASE AMZN Mktp US'MS6JM 06-15 Amzn.com/bill WA 6901 9.53
02/16 DEBIT CARD PURCHASE-PIN 06-15-20 WASHINGTON DC 6901 SAFEWAY 2808 44.42
02/16 USCAP PYMT U.S. CAPITAL 9308 RICARDO BROUGHTON 3.00
02/16 INTERNET PAYMENT ePay Fortiva MC PMT FORTIVA MC PMT 150.00
02/16 USCAP PYMT U.S. CAPITAL 9308 RICARDO BROUGHTON 193.22
02/17 DEBIT CARD PURCHASE AMZN Mktp US*MYOTK 06-16 Amzn.com/bill WA 6901 169.48
02/17 DEBIT CARD PURCHASE SHAKE SHACK 1136 06-15 646-747-7200 MD 6901 22.43
02/17 DEBIT CARD PURCHASE-PIN 06-16-20 BALTIMORE MD 6901 RUSSELL STREET C 20.00
Total other withdrawals, debits and service charges = $6,242.34

Deposits, credits and interest

DATE DESCRIPTION AMOUNT ($)
03/28 PAYROLL MJ VALET. LLC 39-0 RICARDO BROUGHTON 1,651.82
02/28 8662580165 VBS BetterDay 61cd Ricardo Broughton 1,150.00
02/28 IBC M-APP TRANSFER TRANSFER FROM SAVINGS 4090000615637 06-12-20 160.00
02/28 PAYROLL MJ VALET, LLC 39-0 RICARDO BROUGHTON 1,651.82
02/28 VISA MONEY TRANSFER CREDIT 06-15-20 VISA DIRECT CA 6901 CASH APP*CASH OUT 20.68
02/28 8662580165 VBS BetterDay 80cd Ricardo Broughton 1,200.00
Total deposits, credits and interest = $5,834.32

Savings Accounts

■ IBC ESAVINGS 4090000615637

Account summary Interest summary
Your previous balance as of 02/18/2020 $447.60 Interest paid this statement period $0.00
Other withdrawals, debits and service charges - 440.00 2020 interest paid year-to-date $0.03
Deposits, credits and interest + 0.00 Interest rate 0.01%
Your new balance as of 02/17/2020 = $7.60

Other withdrawals, debits and service charges

Date DESCRIPTION AMOUNT ($)

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IBC BANKING 40900006156237 (continued)
02/26 IBC 24 CASH WITHDRAWAL 05-25-20 6901 CLINTON-MAIN CLINTON MD 20.00
continued

Date DESCRIPTION AMOUNT ($)

02/28 IBC 24 CASH WITHDRAWAL 05-29-20 6901 CLINTON-MAIN CLINTON MD 260.00
02/28 IBC M-APP TRANSFER TRANSFER TO CHECKING 2413984534 06-12-20 160.00
Total other withdrawals, debits and service charges = $440.00

AMENDMENT TO YOUR DEPOSIT AGREEMENT

EFFECTIVE FEBRUARY 15, 2020

The following changes have been made to the Bank Services Agreement (BSA) that you were provided when you opened your account at
IBC. Continued use of your account after the effective date of this Amendment constitutes your acceptance of the change. You are directed
to obtain the most current version of the BSA from any branch or online at www.IBC.com. The current version of the BSA will govern your
account upon receipt of this Amendment. If you have any questions about this change, contact your local IBC financial center, your
relationship manager, or call 1-800-BANK IBC (1-800-226-5228).

Included within the Funds Availability section:

Effective FEBRUARY 15. 2020, a total of $225 (currently $200) of your check deposit will be made available during nightly processing on
the business day we receive your deposit, $100 of which is immediate. Funds you deposit by check may be delayed for a longer period for
checks totaling more than $5,525 (currently $5,000) on any one day.
In addition, under the Funds Availability section titled 'SPECIAL RULES FOR NEW ACCOUNTS, the last sentence of the second paragraph
has been revised to state:

Funds from all other check deposits may not be available until the ninth business day after the day of your deposit.

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DC 2413984534

Questions, comments or errors?

For general questions/comments or to report errors about your statement or could have stopped someone from making electronic transfers without your
account. please call us at 1-800-BANK IBC (1-800-226-5228) 24 hours a day, 7 permission if you had told us, you could lose as much as $500. Also. if your
days a week. IBC Care Center Associates are available to assist you from 6 a.m. periodic statement shows transfers you did not make, tell us at once. If you do not
until midnight ET. You may also contact your local IBC financial center. To locate tell us within sixty (60) days after the statement was mailed to you, you may not
a IBC financial center in your area, please visit IBC.com. get back any money you lost after sixty (60) days if we can prove we could have
stopped someone from taking the money if you had told us in time.
Electronic fund transfers (For Consumer Accounts Only. Commercial
Accounts refer to the Commercial Bank Services Agreement.) Important information about your Constant Credit Account
Services such as Bill Payments and Zelle® are subject to the terms and conditions Once advances are made from your Constant Credit Account, an INTEREST
governing those services, which may not provide an error resolution process in all CHARGE will automatically be imposed on the account's outstanding "Average
cases. Please refer to the terms and conditions for those services. daily balance. The INTEREST CHARGE is calculated by applying the ''Daily
periodic rate" to the 'Average daily balance" of your account (including current
In case of errors or questions about your electronic fund transfers. if you think your transactions) and multiplying this figure by the number of days in the billing cycle.
statement or receipt is wrong or if you need more information about a transfer on To get the "Average daily balance," we take the beginning account balance each
the statement or receipt. IMMEDIATELY call 1-800-226-5228 or write to: day. add any new advances or debits, and subtract any payments or credits and
Fraud Management the last unpaid INTEREST CHARGE. This gives us the daily balance. Then we
P.O. Box 1014 Charlotte, add all of the daily balances for the billing cycle and divide the total by the number
NC 28201 of days in the billing cycle. This gives us the 'Average daily balance.”
Tell us as soon as you can, if you think your statement or receipt is wrong. or if
you need more information about a transfer listed on the statement or receipt. We Billing Rights Summary
must hear from you no later than sixty (60) days after we sent the FIRST statement In case of errors or questions about your Constant Credit statement
on which the problem or error appeared. If you think your statement is incorrect, or if you need more information about a
• Tell us your name and deposit account number (if any) Constant Credit transaction on your statement, please call 1-800-BANK IBC or
• Describe the error or transfer you are unsure of. and explain as clearly as you visit your local IBC financial center. To dispute a payment, please write to us on a
can why you believe it is an error or why you need more information separate sheet of paper at the following address:
• Tell us the dollar amount of the suspected error Bankcard Services Division
If you tell us orally, we may require that you also send us your complaint or PO Box 200
question in writing within ten (10) business days. We will tell you the results of our Wilson NC 27894-0200
investigation within ten (10) business days after we hear from you, and we will We must hear from you no later than sixty (60) days after we sent you the FIRST
correct any error promptly. If we need more time, however, we may take up to statement on which the error or problem appeared. You may telephone us, but
forty-five (45) days to investigate your complaint or questions for ATM transactions doing so will not preserve your rights. In your letter, please provide the following
made within the United States and up to ninety (90) days for new accounts, foreign information:
initiated transactions and point-of-sale transactions. If we decide to do this. we will • Your name and account number
re-credit your account within ten (10) business days for the amount you think is in • Describe the error or transfer you are unsure about, and explain in detail why you
error, minus a maximum of $50. If we ask you to put your complaint in writing. and believe this is an error or why you need more information
we do not receive it within ten (10) business days, we may not re-credit your • The dollar amount of the suspected error
account and you will not have use of the money during the time it takes us to During our investigation process, you are not responsible for paying any amount
complete our investigation. in question: you are. however, obligated to pay the items on your statement that
are not in question. While we investigate your question, we cannot report you as
Tell us AT ONCE if you believe your access device has been lost or stolen, or delinquent or take any action to collect the amount in question.
someone may have electronically transferred money from your account without
your permission, or someone has used information from a check to conduct an Mail-in deposits
unauthorized electronic fund transfer. If you tell us within two (2) business days If you wish to mail a deposit, please send a deposit ticket and check to your local
after you learn of the loss or theft of your access device or the unauthorized IBC financial center. Visit IBC.com to locate the IBC financial center closest to
transaction, you can lose no more than $50 if someone makes electronic transfers you. Please do not send cash.
without your permission.
Change of address
If you do NOT tell us within two (2) business days after you learn of the loss or If you need to change your address. please visit your local IBC financial center or
theft of your access device or the unauthorized transaction. and we can prove we call IBC Phone24 at 1-800-BANK IBC (1-800-226-5228).

How to Reconcile Your Account Outstanding Checks and Other Debits (Section A)

Date/Check # Amount Date/Check # Amount

1. List the new balance of your account from your latest statement here:

2. Record any outstanding debits (checks, check card purchases. ATM

withdrawals, electronic transactions. etc.) in section A. Record the
transaction date. the check number or type of debit and the debit amount.
Add up all of the debits. and enter the sum here:

3. Subtract the amount in Line 2 above from the amount in Line 1 above and
enter the total here:

4. Record any outstanding credits in section B. Record the transaction date,

credit type and the credit amount. Add up all of the credits and enter the sum
here: Outstanding Checks and Other Debits (Section A)
5. Add the amount in Line 4 to the amount in Line 3 to find your balance. Date/Type Amount Date/Type Amount
Enter the sum here. This amount should match the balance in your register.

For more information, please contact your local IBC branch. visit IBC.com or contact us at 1-800 BANK IBC (1-800-226-5228). MEMBER FDIC

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