Statement

Apple Card Customer

Jason Zenquis, [email protected] Dec 1 — Dec 31, 2024

If you'd like to receive Apple Card

notifications on your iPhone in the future,
just go to Settings > Notifications > Wallet,
and turn on Allow Notifications.

Your December Balance Minimum Payment

as of Dec 31, 2024 Payment Due Due By

$384.61 $80.30 Jan 31, 2025

Account Information
This includes any Apple Card Monthly Apple Card transactions $25.00 You have a recurring payment scheduled. Your
Installments as of Dec 31, 2024. minimum payment balance of $384.61 for December will be made from
your bank account on January 31st. Please go to
If you pay your monthly balance in full every Apple Card Monthly Installments $55.30
Wallet or card.apple.com to schedule new payments
month, you will avoid being charged interest.
or view existing payments.

Previous Monthly Balance $349.18

as of Nov 30, 2024
Previous Total Balance $349.18
as of Nov 30, 2024
Total Balance $1,656.56
as of Dec 31, 2024

Your total balance reflects all remaining

Apple Card Monthly Installments, in addition to
your December Balance.

If you make only the minimum payment each period, you will pay more in interest and
Minimum Payment Warning it will take you longer to pay off your balance.

If you make no additional charges using You will pay off the balance shown on this
this card and each month you pay: statement in about: And will end up paying an estimated total of:

Only minimum payment 2 years $1,721

If you would like information about credit counseling services, call us at 1-877-255-5923. See Legal section for important information about
your account.
New York residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on
comparative credit card rates, fees and grace periods. 1-800-342-3736 or www.dfs.ny.gov
If your obligation has been discharged on this account because of a prior bankruptcy, or if you are the subject of a pending bankruptcy, this
communication is for informational purposes only and is not an attempt for payment or to impose liability for any obligation.

Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch.

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 Statement
Apple Card Customer
Jason Zenquis, [email protected] Dec 1 — Dec 31, 2024

Payments
Date Description Amount

12/31/2024 ACH Deposit Internet transfer from account ending in 1196 -$30.49

Total payments for this period -$30.49

Transactions
Date Description Daily Cash Amount

12/06/2024 APPLE.COM/US ONE APPLE PARK WAY 800-676-2775 95014 CA USA 3% $39.82 $1,327.25

12/08/2024 APPLE.COM/BILL ONE APPLE PARK WAY 866-712-7753 95014 CA USA 3% $0.32 $10.62

12/08/2024 Apple Card Monthly Installment Adjustment -$1,327.25

Total Daily Cash this month $40.14

Total charges, credits and returns $10.62

If you have an iPhone, you can check to see your accumulated Daily Cash balance through Apple Wallet. If you do not have an iPhone, you can still apply your accumulated Daily Cash as statement credit.

Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch.

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 Statement
Apple Card Customer
Jason Zenquis, [email protected] Dec 1 — Dec 31, 2024

Apple Card Monthly Installments

Dates Description Daily Cash Amounts

12/16/2022 Apple Online Store Cupertino CA $729.00

TRANSACTION #7d59340aa884
Good news. There are no more payments due for this installment.

12/10/2024 Apple Online Store Cupertino CA 0% $0.00 $1,327.25

TRANSACTION #5eb1f3ecba29
This month’s installment: $55.30
Final installment: Dec 31, 2026

Total financed $2,056.25

Total payments and credits $729.00

Total remaining $1,327.25

Daily Cash

Daily Cash from Apple Card $40.14

Daily Cash from Apple Card Monthly Installments $0.00

Total Daily Cash $40.14

Interest Charged

— $0.00

Total interest for this month $0.00

Interest Charges Interest Charge Calculation

2024 Total Year-to-Date: Annual Percentage Rate (APR) 26.49 % (variable)
– Total interest charged in 2024 $0.00 Balance subject to interest rate $0.00

Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch.

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 Statement
Apple Card Customer
Jason Zenquis, [email protected] Dec 1 — Dec 31, 2024

Legal
How can I avoid being charged interest? Goldman Sachs Bank USA, Salt Lake City Branch
Pay your Monthly Balance as of the end of last month in full by the payment due Lockbox 6112
date this month in order to obtain your Grace Period. P.O. Box 7247
Philadelphia, PA 19170-6112
How do you calculate the Balance Subject to Interest Charge?
We use the “daily balance method (including new Transactions)” to calculate
interest owed on each category of Transactions on your Account each month.
In your letter, give us the following information:
We determine the daily balance for each balance of your Account as follows:
· Account information: Your name and email address associated with your
· we begin with the balance at the end of the prior day (excluding interest for account.
that day); then · Dollar amount: The dollar amount of the suspected error.
· we add the prior day’s interest; then · Description of Problem: If you think there is an error on your bill, describe
· we add any new Transactions from that day (unless your Account qualifies for what you believe is wrong and why you believe it is a mistake.
a Grace Period on New Transactions); and then
· we subtract any new payments or credits posted to your Account that day (and You must contact us within 60 days after the error appeared on your statement.
not already deducted from your Account).
You must notify us of any potential errors in writing. You may call us, but if
If any daily balance is less than zero, we treat it as zero. Additionally, if you had a you do we are not required to investigate any potential errors and you
Grace Period on New Transactions in the prior month, we subtract all payments may have to pay the amount in question.
and credits that are posted within the current month as of the first day of the
current month. While we investigate whether or not there has been an error, the following are
true:
How can my variable APR change?
Variable APRs may increase or decrease each month if the Prime Rate changes. · We cannot try to collect the amount in question, or report you as delinquent
Your APR for purchases is a variable rate. If the Prime Rate changes, the new on that amount.
variable APRs will take effect as of the first day of the next month and apply · The charge in question may remain on your statement, and we may continue
to existing and new balances. Any increase in the Prime Rate may result in an to charge you interest on that amount. But, if we determine that we made a
increase to your interest and Minimum Payment Due. mistake, you will not have to pay the amount in question or any interest or
other fees related to that amount.
The “Prime Rate” in effect for a given month is the highest U.S. Prime Rate · While you do not have to pay the amount in question, you are responsible
published in the print edition of The Wall Street Journal (WSJ) on the last day for the remainder of your balance.
of the prior month that the Prime Rate was published. If the WSJ does not · We can apply any unpaid amount against your credit limit.
publish the Prime Rate on that day, then we will look to the last day before
then that such rate was published. Your Rights If You Are Dissatisfied With Your Purchase:
If you are dissatisfied with the goods or services that you have purchased with
How do I make payments?
your credit card, and you have tried in good faith to correct the problem with
You may make electronic payments on your Account through Apple Wallet or at
the merchant, you may have the right not to pay the remaining amount due on
card.apple.com
the purchase.
When will you Credit my Payments?
We credit electronic payments made by 11:59 p.m. Eastern time on the day the To use this right, all of the following must be true:
payment is made.
1. The purchase must have been made in your home state or within 100 miles
Do you report my information to credit bureaus? of your current mailing address, and the purchase price must have been
We may report information about your account to credit bureaus. Late payments, more than $50. (Note: Neither of these is necessary if your purchase was
missed payments, or other defaults on your Account may be reflected in your based on an advertisement we mailed to you, or if we own the company
credit bureau report. If you believe that there is an error in the information we that sold you the goods or services.)
have reported about you to a credit bureau, contact us at Goldman Sachs Bank 2. You must have used your credit card for the purchase.
USA, Salt Lake City Branch, Lockbox 6112, P.O. 7247, Philadelphia, PA 19170- 3. You must not yet have fully paid for the purchase.
6112. Please include a copy of the information you believe is incorrect.
If all of the criteria above are met and you are still dissatisfied with the
We credit report to the following credit bureaus: Equifax, Experian, and purchase, write us at:
TransUnion. You may contact Equifax, Experian, and TransUnion at Central
Source, LLC P.O. Box 105283 Atlanta, GA 30348-5283. Goldman Sachs Bank USA, Salt Lake City Branch
Lockbox 6112, P.O. Box 7247, Philadelphia, PA 19170-6112
What if my card is lost or stolen?
Contact us immediately using Messages or at 877-255-5923. While we investigate, the same rules apply to the disputed amount as
discussed above. After we finish our investigation, we will tell you our decision.
See your Apple Card Customer Agreement for definitions and other At that point, if we think you owe an amount and you do not pay, we may report
important information. you as delinquent.

Billing Rights Summary

What To Do If You Think You Find A Mistake On Your Statement:

If you think there is an error on your statement, write to us at:

Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch.

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