Uni-Statement

Account Number:
P.O. Box 1800
1 458 1442 2971
Saint Paul, Minnesota 55101-0800 Statement Period:
849 IMG S X ST01 Sep 15, 2020
through
Oct 14, 2020
1010101010101010101010
1011100111011000000101
1010001000001001000110
1001110101000001100101
1101110000100101001000
1101010011000001000011
1011011010010110110110
1001111000011010111011
1100011010010000011000
1101000001001101100111
1010101000111011011110
1000000100001001011001
1010011101111011011100
1000011110000011000101
1001101010000011010000
1011001100010111100101
1101010001001010100000
1101110000101110110011
Page 1 of 2
1001101011011001111110
1101101100010101011011
1110010011111001011000
1111111111111111111111

TDTFTFFDATADDTFFTTDFTDTAATFTTTDAAAFAATFADTFTFTADFTTADFDAFDDAATTDF

000147452 01 SP
JAMES CHESTERFIELD
1648 10TH ST APT 112
000638605242347 E
% To Contact U.S. Bank
TELL CITY IN 47586-1334 By Phone: 1-800-US BANKS
(1-800-872-2657)
U.S. Bank accepts Relay Calls
Internet: usbank.com

NEWS FOR YOU

Speed through check out with the added security and convenience of PayPal. Use the U.S. Bank Mobile App or log in to Online
Banking to link your U.S. Bank Visa Debit Card to PayPal today.

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INFORMATION YOU SHOULD KNOW

Effective November 9, 2020 the "Your Deposit Account Agreement" booklet and "Consumer Pricing Information"
document will include several updates and may affect your rights.
The main updates to note in the revised "Your Deposit Account Agreement" booklet sections and sub sections, include:
· Throughout the document, references to the Federal Regulation D (governing savings and/or money market withdrawal
limitations) have been removed, as they are no longer applicable.
· In section "Withdrawal Rights, Ownership of Account, and Beneficiary Designation", sub section "Joint Account - With
Survivorship", clarification on ownership type.
· In the "Dormant Accounts and Escheat" and "Time Deposit" sections, clarification on the state permitted process and
cost structure for escheatment.
· Update to section "Types of Transactions", sub section "Account Access at Automated Teller Machines" regarding: You
may access your Home Equity Line of Credit or Personal Line of Credit for balance inquiries and making a payment to
the respective line of credit at the ATM. Customers with a Debit or ATM card that have accessed a Home Equity Line of
Credit or a Personal Line of Credit through the expanded card access feature, cash withdrawals/advances and
transferring from the Home Equity Line of Credit or Personal Line of Credit is no longer allowed.
The main updates to note in the revised "Consumer Pricing Information" document include:
· Mobile app availability added to free credit score access1.
· Clarification on:
o Preferred rates (with autopay) on new auto loans, home equity loans, and other personal loans.
o Preferred rates on home equity lines of credit.
· Clarification on escheatment cost as permitted by state.

Starting November 9th, you may pick up copies at your local branch, view on usbank.com, or call 800.USBANKS (872.2657) to
request copies. If you have any questions, our bankers are available to help at your local branch. You can also call us at U.S.
Bank 24-Hour Banking at 800.USBANKS (872.2657). We accept relay calls.
1 Free credit score access, Alerts and Score Simulator through TransUnion's CreditViewTM Dashboard are available to U.S. Bank online banking
customers only. Alerts require a TransUnion database match. It is possible that some enrolled members may not qualify for the Alert
functionality. The free VantageScore® credit score from TransUnion® is for educational purposes only and not used by U.S. Bank to make credit
decisions.
 BALANCE YOUR ACCOUNT
To keep track of all your transactions, you should balance your account every month. Please
examine this statement immediately. We will assume that the balance and transactions shown are
correct unless you notify us of an error.

Outstanding Deposits
DATE AMOUNT 1. List any deposits that do not appear on your statement in the Outstanding Deposits section at
the left. Record the total.
2. Check off in your checkbook register all checks, withdrawals (including Debit Card and ATM)
and automatic payments that appear on your statement. Withdrawals that are NOT checked off
TOTAL $ should be recorded in the Outstanding Withdrawals section at the left. Record the total.
3. Enter the ending balance shown on this statement. $_____________
Outstanding Withdrawals
DATE AMOUNT 4. Enter the total deposits recorded in the Outstanding Deposits section. $_____________
5. Total lines 3 and 4. $_____________
6. Enter the total withdrawals recorded in the Outstanding Withdrawals section. $_____________
7. Subtract line 6 from line 5. This is your balance. $_____________
8. Enter in your register and subtract from your register balance any checks, withdrawals or other
debits (including fees, if any) that appear on your statement but have not been recorded in your
register.
9. Enter in your register and add to your register balance any deposits or other credits (including
interest, if any) that appear in your statement but have not been recorded in your register.
10. The balance in your register should be the same as the balance shown in #7. If it does not
match, review and check all figures used, and check the addition and subtraction in your register.
If necessary, review and balance your statement from the previous month.
TOTAL $

IMPORTANT DISCLOSURES TO OUR CONSUMER CUSTOMERS

In Case of Errors or Questions About Your Checking, Savings, ATM, Debit Card, ACH, Bill Pay and Other Electronic Transfers
If you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt, we must hear from you no later than 60 days* after we sent you
the FIRST statement on which the error or problem appeared. Telephone us at the number listed on the front of this statement or write to us at U.S. Bank, EP-MN-WS5D, 60 Livingston
Ave., St. Paul, MN 55107.
· Tell us your name and account number.
· Describe the error or the 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.
We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, we may take up to 45 days to
investigate your complaint. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint. If we decide to do this,
we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If
we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.
*Please note: Paper draft and paper check claims must be disputed within 30 days per Your Deposit Account Agreement.
IMPORTANT DISCLOSURES TO OUR BUSINESS CUSTOMERS
Errors related to any transaction on a business account will be governed by any agreement between us and/or all applicable rules and regulations governing such transactions, including the
rules of the National Automated Clearing House Association (NACHA Rules) as may be amended from time to time. If you think this statement is wrong, please telephone us at the number
listed on the front of this statement immediately.
CONSUMER BILLING RIGHTS SUMMARY REGARDING YOUR RESERVE LINE
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:
U.S. Bank, P.O. Box 3528, Oshkosh, WI 54903-3528.
In your letter, give us the following information:
· 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 appeared on your statement.
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.
While we investigate whether or not there has been an error, the following are true:
· We cannot try to collect the amount in question, or report you as delinquent on that amount.
· The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to
pay the amount in question or any interest or other fees related to 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 against your credit limit.
Reserve Line Balance Computation Method: To determine your Balance Subject to Interest Rate, use the dates and balances provided in the Reserve Line Balance Summary section.
The date next to the first Balance Subject to Interest is day one for that balance and is applicable up to (but not including) the date of the next balance (if there is one). We multiply the
Balance Subject to Interest by the number of days it is applicable and add them up to get the same number of days in the billing cycle. We then divide the result by the number of billing
days in the cycle. This is your Balance Subject to Interest Rate. Any unpaid interest charges and unpaid fees are not included in the Balance Subject to Interest. The ***INTEREST
CHARGE*** begins from the date of each advance.
REPORTS TO AND FROM CREDIT BUREAUS FOR RESERVE LINES
We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report.
CONSUMER REPORT DISPUTES
We may report information about account activity on consumer and small business deposit accounts and consumer reserve lines to Consumer Reporting Agencies (CRA). As a result, this
may prevent you from obtaining services at other financial institutions. If you believe we have inaccurately reported information to a CRA, you may submit a dispute by calling 844.624.8230
or by writing to: U.S. Bank Attn: Consumer Bureau Dispute Handling (CBDH), P.O. Box 3447, Oshkosh, WI 54903-3447. In order for us to assist you with your dispute, you must provide:
your name, address and phone number; the account number; the specific information you are disputing; the explanation of why it is incorrect; and any supporting documentation (e.g.,
affidavit of identity theft), if applicable.

Member FDIC
 JAMES CHESTERFIELD Uni-Statement
1648 10TH ST APT 112 Account Number:
TELL CITY IN 47586-1334
1 458 1442 2971
Statement Period:
Sep 15, 2020
through
Oct 14, 2020
1010101010101010101010
1011100111011100011101
1010001000001001000110
1001110101001011110101
1101110000100101001100
1101010100000001010101
1011011010010110101110
1001111000011010111011
1100011010010010111000
1101000001001111000111
1010101000110011110010
1000000100001011101101
1010011101110000101100
1000011110001011011111
1001101010111010001010
1011001101001000111101
1101011111100011001000
1101110101111100100011
1001110111010101110010
1101101101111111001011
Page 2 of 2
1110110011110111011000
1111111111111111111111

EASY CHECKING Member FDIC

U.S. Bank National Association Account Number 1-458-1442-2971
Account Summary
Beginning Balance on Sep 15 $ 50.00 Number of Days in Statement Period 30
Average Account Balance $ 50.00
Ending Balance on Oct 14, 2020 $ 50.00 Customer Segment Senior
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