Page 1 of 6

STATEMENT OF ACCOUNT
ACCOUNT NUMBER: XXXXXX1792
STATEMENT DATE: 02/02/20 - 02/27/20
802-325-6228 • 1-800-748-4302
www.macu.com

JOANN KAFER
1306 ST ELMO AVE,NE CANTON,
OH 44705

ACCOUNT SUMMARY
TOTAL SHARES
02 PRIMARY SAVINGS ........................ $5.00 58 MYEXPRESS DEBIT CHANCE............. $0.25
50 MYSTYLE CHECKING ...................... -$768.83

PRIMARY SAVINGS - ID 02
POSTING TRANSACTION TRANSACTION NEW
DATE DESCRIPTION AMOUNT BALANCE

02/02 Previous Balance ...................................................................................... ......... 5.00

Ending Balance ........................................................................................ ......... 5.00
Dividend Earned Year to Date ................................................................ 0.00
Dividend Earned in 2020 .................................................................... 0.00

MYSTYLE CHECKING - ID 50
POSTING TRANSACTION TRANSACTION NEW
DATE DESCRIPTION AMOUNT BALANCE

02/02 Previous Balance ...................................................................................... ......... 1,075.37

02/02 Withdrawal POS #513587 ................................................................... -12.55 1,062.82
SMITHS FOOD #413 4643 S. 4000 WEST WEST
VALLEY C UT
02/02 Withdrawal POS #100220575606 .......................................................... -30.28 1,032.54
CHEVRON/HOLIDAY OIL CHE WEST VALLEY C UT
02/02 Withdrawal Debit Card ........................................................................ -10.38 1,022.16
12/31 24427331002710043725156 MCDONALD'S F11456 WEST VALLEY C UT
02/02 Withdrawal POS #020206050465 .......................................................... -3.21 1,028.95
GOOGLE *Kisup Lee Mountain View CA
02/02 Withdrawal POS #100220636586 .......................................................... -16.07 1,002.88
CHEVRON/HOLIDAY OIL CHE WEST VALLEY C UT
02/03 Withdrawal POS #020307080891 .......................................................... -3.21 999.67
GOOGLE *Kisup Lee Mountain View CA
02/03 Withdrawal POS #020310253359 .......................................................... -3.21 996.46
GOOGLE *Kisup Lee Mountain View CA
02/03 Withdrawal POS #100418771880 ......................................................... -107.51 888.95
Wal-Mart Super Center 3568 WAL-SAMS WEST
VALLEY C UT
02/03 Withdrawal POS #100320472136 .......................................................... -47.40 841.55
CHEVRON/HOLIDAY OIL CHE WEST VALLEY C UT
02/04 Withdrawal Credit One Bank ................................................................. -60.00 781.55
TYPE: Payment CO: Credit One Bank
 Questions? Contact Us!

CALL GO TO ACCESS
P.O. Box 2331, Sandy, UT 84091 1-800-748-4302 www.macu.com our mobile app

STATEMENT LEGEND IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL

DEPOSIT IDENTIFICATION If you think your bill is wrong, or if you need more information about a transaction on
your bill, write us on a separate sheet at 9800 South Monroe Street, Sandy, UT 84070 or
ID 02 Primary Savings Account P.O. Box 2331, Sandy, UT 84091 as soon as possible. You must notify us no later than
ID 02-05 Secondary Savings Accounts sixty (60) days after the mailing date or date of the first bill on which the error or problem
ID 07 Money Market Account appeared. You can telephone us, but doing so will not preserve your rights. In your letter,
please provide the following information:
ID 10 IRA
• Your name and account number.
ID 11-19 IRA Term Deposits
• The dollar amount of the suspected error.
ID 50-56 Checking Account • Describe the error and explain, if you can, why you believe there
is an error.
LOAN IDENTIFICATION • If you need more information, describe the item you are unsure about.
ID 02-05 Auto, collateral OR Personal Loans
ID 70-79 Credit Card You do not have to pay any amount in question while we are investigating, but you are still
obligated to pay the parts of your bill that are not in question. While we investigate your
ID 85 Swift Cash question, we cannot report you as delinquent or take any action to collect the amount you
ID 89 Equity Gold question.
SPECIAL RULE FOR CREDIT CARD PURCHASES
If you have a problem with the quality of goods or services that you purchased with a
For account information, or to report a lost or credit card, and you have tried in good faith to correct the problem with the merchant,
stolen credit card, please contact the service you may not have to pay the remaining amount due on the goods or services. You have
center at 1-800-748-4302. this protection only when the purchase price was more than $50 and the purchase was
made in your home state or within one hundred (100) miles of your mailing address. (If
we own or operate the merchant, or if we mailed you the advertisement for the property or
Mail loan payments to services, you have this protection on all purchases regardless of the amount or location of
Loan Servicing purchase.)
P.O. Box 2331 IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS
Sandy, UT 84091 Telephone us toll-free at 1-800-748-4302 or write us at 9800 South Monroe Street, Sandy,
UT 84070 or P.O. Box 2331, Sandy, UT 84091 as soon as possible if you think your state-
ment is wrong or if you need more information about a transfer on the statement on which
the error or problem appeared. You must notify us no later than sixty (60) days after the
mailing date or date of the FIRST statement on which the problem or error appeared.
• Tell us your name and account number.
• Describe the transfer you are unsure about and include to the extent possible the
type and date, and explain as clearly as you can why you believe it is an error or
why you need more information.
• Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send your complaint or question in writing
within ten (10) business days. We will investigate your complaint and if we have
determined an error, we will correct it within one (1) business day. If we expect it will take
more than ten (10) business days, we will recredit your account for the amount you think
is in error so that you will have use of the money during the time it takes to complete our
investigation.
CREDIT REPORTING
We may report information about your credit account to credit bureaus, including late pay-
ments, missed payments or other types of defaults on the account. We report information
on a monthly basis. If you believe that we reported inaccurate information, please write us
at Mountain America Consumer Loan Servicing, P.O. Box 2331, Sandy, UT 84091.

THE FINANCE CHARGE IS COMPUTED ON THE UNPAID BALANCE FOR EACH DAY SUCH BALANCE IS OUTSTANDING. THE “FINANCE CHARGE” IS
INCLUSIVE OF ALL COSTS FOR THE CREDIT INCLUDING WHAT PREVIOUSLY WAS TERMED “INTEREST.” IT IS COMPUTED AT THE TIME A PAYMENT
IS RECEIVED BY MULTIPLYING THE LOAN BALANCE BY THE NUMBER OF DAYS IT HAS BEEN OUTSTANDING BY THE PERIODIC RATE AS SHOWN ON
THE FACE OF THE STATEMENT. THE LOAN BALANCE DOES NOT INCLUDE THE FINANCE CHARGE. THE FINANCE CHARGE DUE IS COMPUTED BY
MULTIPLYING THE LOAN BALANCE BY THE PERIODIC RATE PER DAY AS SHOWN ON THE STATEMENT AND THEN MULTIPLYING THE RESULT BY THE
NUMBER OF DAYS FROM THE LAST LOAN TRANSACTION TO THE CURRENT DATE.
 Page 2 of 6

STATEMENT OF ACCOUNT

ACCOUNT NUMBER: XXXXXX1792

STATEMENT DATE: 02/01/20 - 02/27/20
801-325-6228 • 1-800-748-4302
www.macu.com

MYSTYLE CHECKING Continued - ID 50

POSTING TRANSACTION TRANSACTION NEW
DATE DESCRIPTION AMOUNT BALANCE

Entry Class Code: WEB

02/04 Withdrawal CAPITAL ONE .................................................................... -60.00 721.55
TYPE: MOBILE PMT CO: CAPITAL ONE
Entry Class Code: WEB
02/04 Withdrawal POS #020408074772 .......................................................... -3.21 718.34
GOOGLE *Kisup Lee Mountain View CA
02/05 Withdrawal Debit Card ........................................................................ -25.00 693.34
02/02 24332391005000020489158 KNIGHT ADJUSTMENT BUREA
802-5317251 UT
02/05 Withdrawal POS #020512285800 .......................................................... -2.14 691.20
GOOGLE *Kisup Lee Mountain View CA
02/05 Withdrawal Debit Card ........................................................................ -183.00 508.20
02/05 24021341005000022996286 RC WILLEY WWW.RCWILLEY. UT
02/06 Withdrawal Debit Card ........................................................................ -187.64 320.56
02/05 24226381006400003355532 WAL-MART #3568 WEST VALLEY C UT
02/06 Withdrawal POS #020608108856 ......................................................... -3.21 317.35
GOOGLE *Kisup Lee Mountain View CA
02/06 Withdrawal POS #100617213453 .......................................................... -318.68 -1.33
SMITHS FOOD #406 4100 S SALT LAKE CIT UT
02/07 Withdrawal Debit Card ........................................................................ -100.00 -102.33
02/07 24492151007637902674520 UTAH HUMANE SOCIETY HTTPSWWW.UTAH
UT
02/07 Withdrawal Overdraft Fee ..................................................................... -25.00 -126.33
02/08 Withdrawal POS #750090 .................................................................... -9.53 -135.86
MAVERIK #262 4692 S 4800 W W VALLEY UT
02/08 Withdrawal Overdraft Fee ..................................................................... -25.00 -160.86
02/08 Withdrawal Debit Card ........................................................................ -30.54 -191.40
02/08 24692161008100621982381 CHEVRON 0212095 WEST VALLEY C UT
02/08 Withdrawal Overdraft Fee ..................................................................... -25.00 -216.40
02/08 Withdrawal POS #020811095993 .......................................................... -3.21 -219.61
GOOGLE *Kisup Lee Mountain View CA
02/08 Withdrawal Overdraft Fee ..................................................................... -25.00 -244.61
02/08 Withdrawal Debit Card ........................................................................ -37.78 -282.39
02/07 24427331008710044438679 MCDONALD'S F6384 TAYLORSVILLE UT
02/08 Withdrawal Overdraft Fee ..................................................................... -25.00 -307.39
02/09 Withdrawal Debit Card ........................................................................ -34.38 -341.77
02/09 24492151009715538631995 GRUBHUBCHICKFILA GRUBHUB.COM NY
02/09 Withdrawal Overdraft Fee ..................................................................... -25.00 -366.77
02/09 Withdrawal Debit Card ........................................................................ -12.00 -378.77
02/08 24692161009100512357734 HFLCRA-DACS-8025386158 802-538-6158
UT
02/09 Withdrawal Overdraft Fee ..................................................................... -25.00 -403.77
02/09 Withdrawal POS #00504124 ................................................................ -119.81 -523.58
WM SUPERCENTER # Wal-Mart Super Center
WEST VALLEY C UT
02/09 Withdrawal Overdraft Fee ..................................................................... -25.00 -548.58
02/09 Withdrawal POS #100913969181 .......................................................... -29.16 -577.74
CHEVRON/HOLIDAY OIL CHE WEST VALLEY C UT
02/09 Withdrawal Overdraft Fee ..................................................................... -25.00 -602.74
02/11 Withdrawal POS #102200084904 .......................................................... -25.00 -627.74
 Page 3 of 6

STATEMENT OF ACCOUNT

ACCOUNT NUMBER: XXXXXX1792

STATEMENT DATE: 02/01/20 - 02/27/20
801-325-6228 • 1-800-748-4302
www.macu.com

MYSTYLE CHECKING Continued - ID 50

POSTING TRANSACTION TRANSACTION NEW
DATE DESCRIPTION AMOUNT BALANCE

GRANITE PEAKS ADULT ED SALT LAKE CIT UT

02/11 Withdrawal Overdraft Fee ..................................................................... -25.00 -652.74
02/11 Withdrawal Debit Card ........................................................................ -5.00 -657.74
02/11 24492151021637231333511 WINRED* TRUMP MAKE AME
HTTPSWINRED.C VA
02/11 Withdrawal Overdraft Fee ..................................................................... -25.00 -682.74
02/12 Withdrawal POS #00439157 ................................................................ -63.12 -745.86
WM SUPERCENTER # Wal-Mart Super Center
WEST VALLEY C UT
02/12 Withdrawal Overdraft Fee ..................................................................... -25.00 -770.86
02/20 Deposit Home Banking ........................................................................ 25.00 -745.86
REIMBURSE NSF Courtesy Refund
02/20 Deposit Home Banking ........................................................................ 25.00 -720.86
REIMBURSE NSF Courtesy Refund
02/20 Deposit Home Banking ........................................................................ 25.00 -695.86
REIMBURSE NSF Courtesy Refund
02/20 Deposit Home Banking ........................................................................ 25.00 -670.86
REIMBURSE NSF Courtesy Refund
02/20 Deposit .......................................................................................... 515.00 -155.86
02/20 Withdrawal POS #218442 ................................................................... -13.20 -169.06
USPS PO 49780400 3490 S 4400 W WEST VALLEY
C UT
02/20 Withdrawal Overdraft Fee ..................................................................... -25.00 -194.06
02/20 Withdrawal POS #570021 .................................................................... -8.42 -202.48
MAVERIK #262 4692 S 4800 W W VALLEY UT
02/20 Withdrawal Overdraft Fee ..................................................................... -25.00 -227.48
02/22 Withdrawal POS #022206055103 .......................................................... -3.21 -230.69
GOOGLE *Kisup Lee Mountain View CA
02/22 Withdrawal Overdraft Fee ..................................................................... -25.00 -255.69
02/22 Withdrawal POS #00656711 ................................................................ -200.00 -455.69
WM SUPERCENTER # Wal-Mart Super Center
WEST VALLEY C UT
02/22 Withdrawal Overdraft Fee ..................................................................... -25.00 -480.69
02/24 Withdrawal POS #022407251873 .......................................................... -6.42 -487.11
GOOGLE *Kisup Lee Mountain View CA
02/24 Withdrawal Overdraft Fee ..................................................................... -25.00 -512.11
02/25 Withdrawal Unpaid ACH ...................................................................... -25.00 -537.11
COMCAST
Entry Class Code: WEB
02/25 Withdrawal POS #022509062975 .......................................................... -3.21 -540.32
GOOGLE *Kisup Lee Mountain View CA
02/25 Withdrawal Overdraft Fee ..................................................................... -25.00 -565.32
02/28 Withdrawal POS #022808004065 .......................................................... -3.21 -568.53
GOOGLE *Kisup Lee Mountain View CA
02/28 Withdrawal Overdraft Fee ..................................................................... -25.00 -593.53
02/28 Withdrawal POS #102821608356 .......................................................... -52.98 -646.51
CHEVRON/HOLIDAY OIL CHE WEST VALLEY C UT
02/28 Withdrawal Overdraft Fee ..................................................................... -25.00 -671.51
02/29 Deposit DFAS-IN IND, IN .................................................................... 250.00 -421.51
TYPE: ARMY ALLT CO: DFAS-IN IND, IN
 Page 4 of 6

STATEMENT OF ACCOUNT

ACCOUNT NUMBER: XXXXXX1792

STATEMENT DATE: 02/01/20 - 02/27/20
801-325-6228 • 1-800-748-4302
www.macu.com

MYSTYLE CHECKING Continued - ID 50

POSTING TRANSACTION TRANSACTION NEW
DATE DESCRIPTION AMOUNT BALANCE

Entry Class Code: PPD

02/29 Withdrawal Preauthorized Debit #313215 ................................................. -23.99 -445.50
FINGERHUT PAYMENTS 7075 FLYING CLOUD DR
EDEN PRAIRIE MN
02/29 Withdrawal Overdraft Fee ..................................................................... -25.00 -470.50
02/30 Withdrawal POS #103009939242 .......................................................... -63.81 -534.31
CHEVRON/HOLIDAY OIL CHE WEST VALLEY C UT
02/30 Withdrawal Overdraft Fee ..................................................................... -25.00 -559.31
02/30 Withdrawal Debit Card ........................................................................ -97.44 -656.75
02/30 24269791030500609536142 JIM'S FAMILY RESTAURAN WEST VALLEY C
UT
02/30 Withdrawal Overdraft Fee ..................................................................... -25.00 -681.75
02/30 Withdrawal POS #382408 ................................................................... -33.87 -715.62
WAL-MART #3568 3180 SOUTH 5600 WEST WEST
VALLEY C UT
02/30 Withdrawal Overdraft Fee ..................................................................... -25.00 -740.62
02/31 Withdrawal POS #023108245073 .......................................................... -3.21 -743.83
GOOGLE *Kisup Lee Mountain View CA
02/31 Withdrawal Overdraft Fee ..................................................................... -25.00 -768.83
Avg Checking Bal for Jan $361.81-
Ending Balance ........................................................................................ ......... -768.83
Dividend Earned Year to Date ................................................................ 0.00
Dividend Earned in 2020 .................................................................... 0.00
TOTAL FEES: FOR THIS PERIOD: YEAR-TO-DATE:
OVERDRAFT: 625.00 625.00
UNPAID ITEM: 25.00 25.00

ATM Withdrawals and Other Charges

DATE AMOUNT DESCRIPTION DATE AMOUNT DESCRIPTION
02/02/20 12.55 Withdrawal POS 02/09/20 25.00 Withdrawal Fee
02/02/20 30.28 Withdrawal POS 02/11/20 25.00 Withdrawal POS
02/02/20 10.38 Withdrawal Debit Card 02/11/20 25.00 Withdrawal Fee
02/02/20 3.21 Withdrawal POS 02/11/20 5.00 Withdrawal Debit Card
02/02/20 16.07 Withdrawal POS 02/11/20 25.00 Withdrawal Fee
02/03/20 3.21 Withdrawal POS 02/12/20 63.12 Withdrawal POS
02/03/20 3.21 Withdrawal POS 02/12/20 25.00 Withdrawal Fee
02/03/20 107.51 Withdrawal POS 02/20/20 13.20 Withdrawal POS
02/03/20 47.40 Withdrawal POS 02/20/20 25.00 Withdrawal Fee
02/04/20 3.21 Withdrawal POS 02/20/20 8.42 Withdrawal POS
02/05/20 25.00 Withdrawal Debit Card 02/20/20 25.00 Withdrawal Fee
02/05/20 2.14 Withdrawal POS 02/22/20 3.21 Withdrawal POS
02/05/20 183.00 Withdrawal Debit Card 02/22/20 25.00 Withdrawal Fee
02/06/20 187.64 Withdrawal Debit Card 02/22/20 200.00 Withdrawal POS
02/06/20 3.21 Withdrawal POS 02/22/20 25.00 Withdrawal Fee
02/06/20 318.68 Withdrawal POS 02/24/20 6.42 Withdrawal POS
 Page 5 of 6

STATEMENT OF ACCOUNT

ACCOUNT NUMBER: XXXXXX1792

STATEMENT DATE: 02/01/20 - 02/27/20
801-325-6228 • 1-800-748-4302
www.macu.com

ATM Withdrawals and Other Charges Continued

DATE AMOUNT DESCRIPTION DATE AMOUNT DESCRIPTION
02/07/20 100.00 Withdrawal Debit Card 02/24/20 25.00 Withdrawal Fee
02/07/20 25.00 Withdrawal Fee 02/24/20 3.21 Withdrawal POS
02/08/20 9.53 Withdrawal POS 02/24/20 25.00 Withdrawal Fee
02/08/20 25.00 Withdrawal Fee 02/25/20 3.21 Withdrawal POS
02/08/20 30.54 Withdrawal Debit Card 02/25/20 25.00 Withdrawal Fee
02/08/20 25.00 Withdrawal Fee 02/25/20 52.98 Withdrawal POS
02/08/20 3.21 Withdrawal POS 02/25/20 25.00 Withdrawal Fee
02/08/20 25.00 Withdrawal Fee 02/25/20 23.99 Withdrawal Preauthorized Debit
02/08/20 37.78 Withdrawal Debit Card 02/26/20 25.00 Withdrawal Fee
02/08/20 25.00 Withdrawal Fee 02/26/20 63.81 Withdrawal POS
02/09/20 34.38 Withdrawal Debit Card 02/26/20 25.00 Withdrawal Fee
02/09/20 25.00 Withdrawal Fee 02/26/20 97.44 Withdrawal Debit Card
02/09/20 12.00 Withdrawal Debit Card 02/26/20 25.00 Withdrawal Fee
02/09/20 25.00 Withdrawal Fee 02/26/20 33.87 Withdrawal POS
02/09/20 119.81 Withdrawal POS 02/26/20 25.00 Withdrawal Fee
02/09/20 25.00 Withdrawal Fee 02/26/20 3.21 Withdrawal POS
02/09/20 29.16 Withdrawal POS 02/26/20 25.00 Withdrawal Fee

66 ATM Withdrawals and Other Charges $2,564.20

Withdrawals and Other Charges

DATE AMOUNT DESCRIPTION DATE AMOUNT DESCRIPTION
02/04/20 60.00 Withdrawal 02/26/20 25.00 Withdrawal Fee
02/04/20 60.00 Withdrawal

3 Withdrawals and Other Charges $145.00

Deposits and Other Credits

DATE AMOUNT DESCRIPTION DATE AMOUNT DESCRIPTION

02/20/20 25.00 Deposit Home Banking 02/27/20 25.00 Deposit Home Banking
02/20/20 25.00 Deposit Home Banking 02/27/20 515.00 Deposit
02/20/20 25.00 Deposit Home Banking 02/27/20 250.00 Deposit

6 Deposits and Other Credits $865.00

MYEXPRESS DEBIT CHANCE - ID 58

POSTING TRANSACTION TRANSACTION NEW
DATE DESCRIPTION AMOUNT BALANCE

02/02 Previous Balance ...................................................................................... ......... 0.25

Avg Checking Bal for Jan $0.25
Ending Balance ........................................................................................ ......... 0.25
Dividend Earned Year to Date ................................................................ 0.00
Dividend Earned in 2020 .................................................................... 0.00
 Page 6 of 6

STATEMENT OF ACCOUNT

ACCOUNT NUMBER: XXXXXX1792

STATEMENT DATE: 02/01/20 - 02/27/20
801-325-6228 • 1-800-748-4302
www.macu.com

YEAR-TO-DATE SUMMARY
Dividend Earned Year to Date ......................................... 0.00