November 2023 Statement Page 1 of 4

10101010101010101010
10100110010010010011
10100000000010000010
10011111010100011101
10010000001001011010
Open Date: 10/11/2023 Closing Date: 11/08/2023 Account: 4147 7885 7723 2156
10000100110000101001
10101000001110010100
10010011110101101101
11011100001001010000
11011010010100001101
10000000100110001000
10111001111110111011
10000010101011111100
10100010110111101111
10001010000000011000
10011111000010010011
10110110111100110110
11000111110001010101
11001001100111001010
11111111111111111111
FlexPerks® Travel Rewards Visa Signature® Card Cardmember Service 1-877-978-7446
KARLA F NAZARENO BNK 25 TBO 68 6

GERALD R NAZARENO
Activity Summary
New Balance $2,420.67 Previous Balance + $5,835.29
Minimum Payment Due $40.00 Payments - $5,900.00CR
Payment Due Date 12/06/2023 Other Credits $0.00
Purchases + $2,485.38
Late Payment Warning: If we do not receive your Balance Transfers $0.00
minimum payment by the date listed above, you may have
Advances $0.00
to pay up to a $41.00 Late Fee.
Other Debits $0.00
Fees Charged $0.00
Minimum Payment Warning: If you make only the minimum
Interest Charged $0.00
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example: New Balance = $2,420.67
If you make no You will pay off And you will Past Due $0.00
additional charges the balance shown end up paying Minimum Payment Due $40.00
using this card and on this statement an estimated
Revolving Line of Credit $14,000.00
each month you in about... total of...
pay... Revolving Line Available $11,579.33
Only the minimum 5 years $3,889 Days in Billing Period 29
payment
FlexPoints
$94 3 years $3,395
(Savings=$494) Earned This Statement* 2,671
Total as of 11/07/2023** 116,840
If you would like information about credit counseling services, *For details, see your Rewards Summary.
call 866-951-1391. **Total includes any linked accounts.

Payment Mail payment coupon Pay online at Pay by phone Pay at your local
Options: with a check usbank.com 1-877-978-7446 U.S. Bank branch

Please detach and send coupon with check payable to: U.S. Bank

0041477885772321560000040000002420679
Account Number 4147 7885 7723 2156
Payment Due Date 12/06/2023
24-Hour Cardmember Service: 1-877-978-7446 New Balance $2,420.67
Minimum Payment Due $40.00
. to pay by phone
. to change your address
Amount Enclosed $
000016001 01 SP 000638592280285 P Y

KARLA F NAZARENO U.S. Bank

GERALD R NAZARENO
1331 STONY BROOK LN P.O. Box 790408
PLEASANTON CA 94566-5402 St. Louis, MO 63179-0408
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What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, please call us at the telephone number on the front of this statement, or write to us at:
Cardmember Service, P.O. Box 6335, Fargo, ND 58125-6335.
In your letter or call, give us the following information:
u Account information: Your name and account number.
u Dollar amount: The dollar amount of the suspected error.
u 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. While we investigate whether or not there has been an error,
the following are true:
u We cannot try to collect the amount in question, or report you as delinquent on that amount.
u 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.
u While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
u We can apply any unpaid amount against your credit limit.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the
problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must
have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we
own the company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses
your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Cardmember Service, P.O. Box
6335, Fargo, ND 58125-6335
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. At that point, if we think you owe an amount and you do not pay we may report you as delinquent.
Important Information Regarding Your Account
1. INTEREST CHARGE: Method of Computing Balance Subject to Interest Rate: We calculate the periodic rate or interest portion of the
INTEREST CHARGE by multiplying the applicable Daily Periodic Rate ("DPR") by the Average Daily Balance ("ADB") (including new
transactions) of the Purchase, Advance and Balance Transfer categories subject to interest, and then adding together the resulting interest
from each category. We determine the ADB separately for the Purchases, Advances and Balance Transfer categories. To get the ADB in
each category, we add together the daily balances in those categories for the billing cycle and divide the result by the number of days in the
billing cycle. We determine the daily balances each day by taking the beginning balance of those Account categories (including any billed but
unpaid interest, fees, credit insurance and other charges), adding any new interest, fees, and charges, and subtracting any payments or
credits applied against your Account balances that day. We add a Purchase, Advance or Balance Transfer to the appropriate balances for
those categories on the later of the transaction date or the first day of the statement period. Billed but unpaid interest on Purchases, Advances
and Balance Transfers is added to the appropriate balances for those categories each month on the statement date. Billed but unpaid
Advance Transaction Fees are added to the Advance balance of your Account on the date they are charged to your Account. Any billed but
unpaid fees on Purchases, credit insurance charges, and other charges are added to the Purchase balance of the Account on the date they
are charged to the Account. Billed but unpaid fees on Balance Transfers are added to the Balance Transfer balance of the Account on the
date they are charged to the Account. In other words, billed and unpaid interest, fees, and charges will be included in the ADB of your
Account that accrues interest and will reduce the amount of credit available to you.To the extent credit insurance charges, overlimit fees,
Annual Fees, and/or Travel Membership Fees may be applied to your Account, such charges and/or fees are not included in the ADB
calculation for Purchases until the first day of the billing cycle following the date the credit insurance charges, overlimit fees, Annual Fees
and/or Travel Membership Fees (as applicable) are charged to the Account. Prior statement balances subject to an interest-free period that
have been paid on or before the payment due date in the current billing cycle are not included in the ADB calculation.
2. Payment Information: We will accept payment via check, money order, the internet (including mobile and online) or phone or previously
established automatic payment transaction. You must pay us in U.S. Dollars. If you make a payment from a foreign financial institution, you
will be charged and agree to pay any collection fees added in connection with that transaction. The date you mail a payment is different than
the date we receive the payment. The payment date is the day we receive your check or money order at U.S. Bank National Association, P.O.
Box 790408, St. Louis, MO 63179-0408 or the day we receive your internet or phone payment. All payments by check or money order
accompanied by a payment coupon and received at this payment address will be credited to your Account on the day of receipt if received by
5:00 p.m. CT on any banking day. Payments sent without the payment coupon or to an incorrect address will be processed and credited to
your Account within 5 banking days of receipt. Payments sent without a payment coupon or to an incorrect address may result in a delayed
credit to your Account, additional interest charges, fees, and/or Account suspension. The deadline for on-time internet and phone payments
varies, but generally must be made before 5:00 p.m. CT to 8 p.m. CT depending on what day and how the payment is made. Please contact
Cardmember Service for internet, phone, and mobile crediting times specific to your Account and your payment option. Banking days are all
calendar days except Saturday, Sunday and federal holidays. Payments due on a Saturday, Sunday or federal holiday and received on those
days will be credited on the day of receipt. There is no prepayment penalty if you pay your balance at any time prior to your payment due
date.
3. Credit Reporting: We may report information on your Account to Credit Bureaus. Late payments, missed payments or other defaults on
your Account may be reflected in your credit report.
 November 2023 Statement 10/11/2023 - 11/08/2023 Page 2 of 4
10101010101010101010
10100110010011010011
10100000000010000010
10011111010100001101
10010000001001000110
KARLA F NAZARENO Cardmember Service 1-877-978-7446
10000101000001000101
10101000001110110000
10010011110001001101
11011100001101110110
11011010010100100101
10000000100001111000
10111001110101100011
10000011010000011000
GERALD R NAZARENO
10100100000000011011
10001000111110111000
10001101010111100001
10111111011111110110
11011001010101100101
11001000100111001010
11111111111111111111

FlexPoints Rewards Summary FlexPoints # 400 000 214 751

This Calendar To Redeem:

Rewards Earned Statement Year to Date Login at usbank.com
Earned Points for Net Purchases 2,485 23,251 or call 1-888-229-8864
Double Points at Grocery Stores 186 1,880
Double Pts at Gas & EV Charging Stations 0 253 Learn More:
Bonus Points for Charitable Donations 0 100 usbank.com/flexperks

Total Earned 2,671 25,484

Net spend this cardmember year: $2,485.38

Your cardmember year begins on the day after the date printed on your OCTOBER statement and ends on
the date of your statement in OCTOBER 12 months later.
As a FlexPerks Travel Rewards Cardmember, you can redeem just 3,500 FlexPoints toward your $49
Annual Fee. Remember that each Cardmember year you use your Card for $24,000 in Net Purchases, you
will earn 3,500 Bonus FlexPoints which can be redeemed for a statement credit in the amount of your
Annual Fee or combined with other FlexPoints for travel or many other awards. The choice is yours.
If you already redeemed the bonus FlexPoints for your annual fee please allow up to 6 to 8 weeks for the
credit to show up on your statement and disregard the message above.
Remember to use your FlexPerks Card to earn FlexPoints and be one step closer to award travel.
Calendar Year to Date above refers to FlexPoints posted on statements dated January through December of
the current calendar year.

Important Messages
Paying Interest: You have a 24 to 30 day interest-free period for Purchases provided you have paid your
previous balance in full by the Payment Due Date shown on your monthly Account statement. In order to
avoid additional INTEREST CHARGES on Purchases, you must pay your new balance in full by the
Payment Due Date shown on the front of your monthly Account statement.
There is no interest-free period for transactions that post to the Account as Advances or Balance Transfers
except as provided in any Offer Materials. Those transactions are subject to interest from the date they post
to the Account until the date they are paid in full.
If you believe we have inaccurately reported information to any Consumer Reporting Agency, you may
submit a dispute by writing to us. In order for us to assist you with your dispute, you must provide your
name, address, phone number, 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, to:
U.S. Bank National Association
Consumer Recovery Department
Attn: CBR Disputes
P.O. Box 108
St Louis, MO 63166-0108
Skip the mailbox. Switch to e-statements and securely access your statements online. Get started at
usbank.com/login.

Transactions
Payments and Other Credits
Post Trans
Date Date Ref # Transaction Description Amount
10/26 10/25 0000 PAYMENT THANK YOU $5,900.00CR
Continued on Next Page
November 2023 Statement 10/11/2023 - 11/08/2023 Page 3 of 4
KARLA F NAZARENO Cardmember Service 1-877-978-7446
GERALD R NAZARENO

Transactions
Payments and Other Credits
Post Trans
Date Date Ref # Transaction Description Amount

TOTAL THIS PERIOD $5,900.00CR

Purchases and Other Debits

Post Trans
Date Date Ref # Transaction Description Amount
10/11 10/09 5928 GOLDEN CHICK MIDLOTHIA MIDLOTHIAN TX $55.84
10/11 10/09 4892 SWA*UPGBO5264216185026 800-435-9792 TX $60.00
10/11 10/09 4900 SWA*UPGBO5264216185027 800-435-9792 TX $60.00
10/11 10/09 6499 LAZ PKG OAKLAND OAKLAND CA $130.00
10/11 10/09 5795 DAL CBC AV8 BAR CAFE 1 DALLAS TX $70.49
10/19 10/17 6611 BAY CLUB PLEASANTON RE PLEASANTON CA $481.75
10/25 10/25 0749 NORTH EMB PAY STAT PRK SAN DIEGO CA $4.96
10/25 10/24 6936 MOSAIC EYE SPECIALISTS SAN DIEGO CA $80.00
10/26 10/25 7307 RALPHS #0201 SAN DIEGO CA $185.70
10/26 10/25 3016 POINTS RAPID REWARDS 800-435-9792 CA $180.00
10/26 10/25 3271 POINTS RAPID REWARDS 800-435-9792 CA $676.50
10/30 10/28 6642 Netflix 1 8445052993 CA $15.49
11/06 11/05 7249 DTV*DIRECTV SERVICE 800-347-3288 CA $171.55
11/07 11/06 8579 COSTCO WHSE #0146 LIVERMORE CA $238.13
11/08 11/07 1792 CHIPOTLE 3338 PLEASANTON CA $33.85
11/08 11/07 1909 CHIPOTLE 3338 PLEASANTON CA $41.12
TOTAL THIS PERIOD $2,485.38

2023 Totals Year-to-Date

Total Fees Charged in 2023 $49.00
Total Interest Charged in 2023 $110.58

Interest Charge Calculation

Your Annual Percentage Rate (APR) is the annual interest rate on your account.

**APR for current and future transactions.

Balance Annual Expires
Balance Subject to Interest Percentage with
Balance Type By Type Interest Rate Variable Charge Rate Statement

**ADVANCES $0.00 $0.00 $0.00 20.99%

**BALANCE TRANSFER $0.00 $0.00 YES $0.00 23.49%
**PURCHASES $2,420.67 $0.00 YES $0.00 23.49%

Continued on Next Page

 November 2023 Statement 10/11/2023 - 11/08/2023 Page 4 of 4
10101010101010101010
10100110010100010011
10100000000010000010
10011111010110101101
10010000001001010110
KARLA F NAZARENO Cardmember Service 1-877-978-7446
10000101010000110001
10101000001110101100
10010011110000011101
11011100001000011100
11011010010011111101
10000000110110001000
10111001100100100011
10000010100100101000
GERALD R NAZARENO
10100001011111001011
10001010011001101100
10001110100111111001
10110111011110101010
11011100110100010101
11001010100111011010
11111111111111111111

Contact Us

Phone Questions Mail payment coupon Online

with a check
Voice: 1-877-978-7446 Cardmember Service U.S. Bank usbank.com
TDD: 1-888-352-6455 P.O. Box 6352 P.O. Box 790408
Fax: 1-866-568-7729 Fargo, ND 58125-6352 St. Louis, MO 63179-0408
End of Statement

KARLA F NAZARENO
FlexPoints #
400 000 214 751

Add an authorized
user. No additional cost.
Add an authorized user, who can share your line of credit
and card benefits.(1) It's fast, easy, & no additional cost.
Scan the above QR code with your phone's camera.
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(1) You agree to be responsible for all transactions the Authorized User makes on your account. Authorized Users can request information on this account,
such as but not limited to: current balance, payment due date and credit limit. Authorized Users can also perform maintenance functions on this account
such as but not limited to: activate a card, balance transfers, make a payment, add a travel note, order a replacement card
or remove their name from the account. Lastly, Authorized Users are not permitted to perform certain functions on this account, such as but not limited to:
account closure, or add a name on this account.