Page 1 of 3

Date 06/30/23
Account # ******1880

FRANNIE NICOLE SONGAO HOCOG

OR VERONICA C SONGAO
PO BOX 505605
SAIPAN MP 96950-4322

Important Reminder:
As previously announced, our Naval Station Branch located at Barracks 2 Naval Station, Santa Rita,
Guam 96915 will permanently close its doors on Saturday, December 31, 2022.
Naval Station customers can visit our Hagåtna Branch at 111 Chalan Santo Papa, Hagåtna, Guam 96913 or the branch nearest them for any assistance.
We invite you to explore all the other ways to bank using our Online, Mobile, Voice solutions or using any one of our full function ATMs. Visit us at
bankofguam.com to learn more or call us at (671) 472-5300 if you have questions or need more information.

******1880 PACIFIC EXPRESS KIDS CLUB

Previous Balance 05/31/23 151.33

+ Deposits/Credits 3 770.00
- Withdrawals/Debits 19 891.28
- Service Charge 0.00
+ Interest Paid 0.01
Current Balance 30.06
Days in Statement Period 30

Overdraft Charges/Refunds Summary

This Cycle YTD

Total returned item fees 0.00 0.00
Total overdraft fees 0.00 0.00
Total fees charged 0.00 0.00
This Cycle YTD
Refund of returned check fees 0.00 0.00
Refund of paid check fees 0.00 0.00
Total fees refunded 0.00 0.00

Account Activity
Date Description Debit Credit Balance
05/31/23 BEGINNING BALANCE $151.33
06/01/23 WEB XFER FR DDA ********5083 $120.00 $271.33
SUFA BINGO
06/01/23 KENTUCKY FRIED POS PURCHASE $35.56 $235.77
SAIPAN 96950,
DATE 053023 REF# 315020207499
06/05/23 BANK OF GUAM ATM WITHDRAWAL $80.00 $155.77
SAIPAN,MP F4FC
DATE 060423 REF# 000000008691
 Page 2 of 3
Date 06/30/23
Account # ******1880

Account Activity
Date Description Debit Credit Balance
06/05/23 BANK OF GUAM ATM WITHDRAWAL $90.00 $65.77
SAIPAN,MP F4FC
DATE 060523 REF# 000000008841
06/07/23 MCDONALDS OF SA POS PURCHASE $50.69 $15.08
SAIPAN,
DATE 060523 REF# 315620259000
06/08/23 SAVINGS DEPOSIT $600.00 $615.08
06/08/23 PAY*CUC POS PURCHASE $15.00 $600.08
670-6644282,GA
DATE 060723 REF# 315823175692
06/09/23 PAY*CUC POS PURCHASE $201.50 $398.58
670-6644282,GA
DATE 060823 REF# 315922175762
06/13/23 NNT LJ'S STORE POS PURCHASE $16.23 $382.35
SAIPAN,MP
DATE 061223 REF# 316481070962
06/13/23 HAFADAI SHOPPIN POS PURCHASE $23.94 $358.41
SAIPAN,MP
DATE 061323 REF# 316400005018
06/13/23 NNT LJ'S STORE POS PURCHASE $30.27 $328.14
SAIPAN,MP
DATE 061223 REF# 316359064958
06/13/23 NNT MOBIL SERVI POS PURCHASE $50.00 $278.14
SAIPAN,MP
DATE 061223 REF# 316374050620
06/13/23 LN MARKET POS PURCHASE $77.56 $200.58
SAIPAN,
DATE 061223 REF# 316322206000
06/14/23 XUAN MARKET POS PURCHASE $20.98 $179.60
SAIPAN,MP
DATE 061423 REF# 316500007016
06/15/23 WEB XFER FR DDA ********5083 $50.00 $229.60
LUNCHEON
06/15/23 LN MARKET POS PURCHASE $32.51 $197.09
SAIPAN,
DATE 061323 REF# 316526206000
06/19/23 BANK OF GUAM ATM WITHDRAWAL $50.00 $147.09
SAIPAN,MP F4F6
DATE 061623 REF# 000000007632
06/19/23 SUNSHINE MARKET POS PURCHASE $17.08 $130.01
SAIPAN,MP
DATE 061723 REF# 316800050624
06/23/23 NNT LJ'S STORE POS PURCHASE $19.14 $110.87
SAIPAN,MP
 Page 3 of 3
Date 06/30/23
Account # ******1880

Account Activity
Date Description Debit Credit Balance
DATE 062223 REF# 317365066022
06/26/23 NNT LJ'S STORE POS PURCHASE $18.42 $92.45
SAIPAN,MP
DATE 062323 REF# 317450066139
06/26/23 NETFLIX.COM POS PURCHASE $19.99 $72.46
NETFLIX.COM,CA
DATE 062523 REF# 317629107946
06/29/23 NNT LJS II POS PURCHASE $42.41 $30.05
SAIPAN,MP
DATE 062823 REF# 318031000599
06/30/23 INT PMT SYS-GEN $0.01 $30.06

Interest Summary
Interest Earned From 06/01/23 Through 06/30/23
Days in Period 30
Interest Earned 0.01
Annual Percentage Yield Earned 0.07%
Interest Paid This Year 0.08
Interest Withheld This Year 0.00

Interest Rate Summary

Date Rate Date Rate Date Rate

06/01/23 0.100 06/08/23 0.100
06/05/23 0.000 06/26/23 0.000

NO ENCLOSURES THIS STATEMENT

END OF STATEMENT
 PLEASE EXAMINE YOUR STATEMENT AND CHECK IMAGES IMMEDIATELY. IF NO ERROR IS REPORTED WITHIN 30 DAYS OF THE STATEMENT DATE, THE
STATEMENT AND CHECK IMAGES WILL BE CONSIDERED CORRECT. YOUR ORIGINAL CHECKS WILL BE AVAILABLE TO YOU FOR 60 DAYS FROM THE
STATEMENT DATE. AFTER THAT DATE, YOUR ORIGINAL CHECKS MAY NO LONGER BE AVAILABLE AND A FEE WILL BE CHARGED FOR RETRIEVAL.

TRANSACTION CODES
FP = Force Pay NS = NSF Charge CM = Credit Memo SC = Service Charge
PC = Priority Check DM = Debit Memo TFR = Transfer DP = Deposit

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS

In case of errors or questions about your electronic transfers,
Telephone us at: (671) 472-5300; or
Write us at: 111 Chalan Santo Papa
Hagåtña, GU 96910; or
E-Mail us at: [email protected]
as soon as you can, 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.
1. Tell us your name and account number (if any).
2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need additional information.
3. Tell us the dollar amount of the suspected error.
We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount
you think it is in error, so that you will have use of the money during the time it takes us to complete our investigation.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR FOREIGN REMITTANCE TRANSFERS

Per Federal regulation, a Foreign Remittance Transfer includes any transfer made from a consumer account in Guam, the CNMI or California to an account in the FSM, Palau, or
the RMI.

You have a right to dispute errors in your foreign remittance transfer. If you think there is an error, contact us within 180 days at (671) 472-5300 or www.bankofguam.com. You can
also contact us for a written explanation of your rights.

For questions or complaints about Bank of Guam, contact:

Guam - Guam Department of Revenue and Taxation, Regulatory Division; (671) 635-1844~6; https://www.guamtax.com/about/regulatory.html

Commonwealth of the Northern Marianas Island - Banking Division at the CNMI Department of Commerce; (670) 664-8020; http://commerce.gov.mp/divisions/office-
secretary/banking

California - Department of Financial Protection & Innovation; Toll-free (866) 275-2677 or (916) 327-7585; https://dfpi.ca.gov/ (Note: Effective September 29, 2020 the Department
of Business Oversight changed its name to the Department of Financial Protection and Innovation (DFPI)).

Consumer Financial Protection Bureau:

(855) 411-2372
(855) 729-2372 (TTY/TDD)
www.consumerfinance.gov

READY-RESERVE BILLING RIGHTS SUMMARY

In Case of Errors or Questions About Your Statement: If you think your Statement is wrong, or if you need more information about a transaction on your Statement, write us on a
separate sheet at Bank of Guam, 111 Chalan Santo Papa, Hagåtña, GU 96910, or send E-Mail to [email protected] as soon as possible. We must hear from
you no later than 60 days after we sent you the first Statement on which the error or problem appeared. You may telephone us at (671) 472-5300, but doing so will not preserve
your rights. In your letter or e-mail, give us the following information:

• Your full name and account number

• The dollar amount of the suspected error
• Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about.
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 Statement that are not in question. While we
investigate your question, we cannot report you as delinquent or take any action to collect the amount you question.

ADDITIONAL DISCLOSURES FOR YOUR READY-RESERVE ACCOUNT

Imposition of Finance Charges in your Ready-Reserve Account: To figure and impose the FINANCE CHARGE, Bank of Guam will apply the daily periodic rate shown on the face
of your Statement to the “average daily balance” of your Ready-Reserve Account (including cash transactions). To get the “average daily balance,” we will take the beginning of
your Ready-Reserve Account each day, add any new cash advances and subtract any payments or credits, and any unpaid Finance Charges. This gives us the daily balance.
Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the “average daily balance.” The average
daily balance is or can be multiplied by the number of days in the billing cycle and the daily periodic rate applied to the product to determine the amount of the FINANCE CHARGE.

EFT (ELECTRONIC FUNDS TRANSFER)

Pre-Authorized Deposits: If you have authorized to have direct deposits made to your account at least once every 60 days from the same person or company, you may telephone
your local branch of Bank of Guam at the number below to determine whether or not the deposit was made as scheduled or you may call (671) 472-5300 and ask for Customer
Service.

GUAM FEDERATED STATES OF MICRONESIA (FSM) REPUBLIC OF BELAU

• Hagåtña (671) 472-5300 • Chuuk (691) 330-2567/2331 • Koror (680) 488-2696/1648
• Pohnpei (691) 320-2550/2446
CALIFORNIA, USA
COMMONWEALTH OF THE NORTHERN • Yap (691) 350-8865
• TASI Bank, (415) 392-1670
MARIANA ISLANDS (CNMI) • Kosrae (691) 370-8858 Division of Bank of Guam
• Garapan (670) 236-2700 REPUBLIC OF THE MARSHALL ISLANDS (RMI)
• Tinian (670) 433-3261 • Majuro (692) 625-3322/3331 (Rev 02/22 v. 2.4)
• Rota (670) 532-3600