Uni-Statement

Account Number:
1 301 2962 6144
P.O. Box 1800
Saint Paul, Minnesota 55101-0800 Statement Period:
9988 TRN S X ST01 Aug 11, 2023
through
1010101010101010101010
1010110011010000000101
1010000000001001011000
1001110101000000111011
Sep 13, 2023
1101110000100101100110
1101110011000001100101
1000111010010110011000
1001111000010101100011
1100011010001000010000
1101010001000010011111
1000101000110000111110
1110100111000011011001
1011000100111001000000
1001110010100100110011
1010100100101001000010
1001011011111110111101
1001001101001101001000
1100000000001100010011
1110001000111010000010
1101011100001001110111
1110000011111010011000
1111111111111111111111
Page 1 of 3
TFDTDFDDDDFTTAAATFTTDTTFATTTTTATTTFTATFDFDFDFTFTDFTTAFAAFAFDTTAFA

000047552 00 SP
MANDY MECHTLY
2422 MCZAND BLVD
106481835912570 E
% To Contact U.S. Bank

GROVE CITY OH 43123-1436 By Phone: 800-US BANKS

(800-872-2657)
Cincinnati
Metro Area: 513-632-4141
U.S. Bank accepts Relay Calls
Internet: usbank.com

INFORMATION YOU SHOULD KNOW

Effective November 13, 2023, please review updates made to the Consumer Pricing Information disclosure which may affect your
rights.
Beginning October 11, 2023, you can review the full revised disclosure at
usbank.com/CPI-upcoming-version by calling 24-Hour Banking at 800-USBANKS (872-2657) or by visiting your local U.S. Bank
branch. We accept relay calls.
Here's what you should know:
· Added clarification to the U.S. Bank Smartly® Checking consumer credit card Monthly Maintenance Fee waiver
requirement to include that the waiver requires the customer to be an account owner of the credit card.
· For the U.S. Bank Smart Rewards®, Primary, Plus, Premium and Pinnacle tier Non-U.S. Bank ATM Surcharge charged
by ATM Owner benefit, changed benefit to Domestic only.
· As a new Smart Rewards® benefit (under Other Product Benefits), added Home Equity Line of Credit Annual Fee
Discount. A U.S. Bank Smartly® Checking account must be opened and enrolled in Smart Rewards. Eligibility for this
benefit will occur when a Smart Rewards tier is assigned, generally five business days after enrollment.
If you have questions, please call us at 800-USBANKS (872-2657) - we're available to help] You can also schedule an
appointment at usbank.com/book to speak with a banker in person, by phone or virtually.

Effective November 13, 2023, please review updates made to the Your Deposit Account Agreement document which may affect
your rights.
Beginning October 11, 2023, you can review the full revised document at
usbank.com/YDAA-upcoming-version, by calling 24-Hour Banking at 800-USBANKS (872-2657) or by visiting your local U.S.
Bank branch. We accept relay calls.
Here's what you should know:
· Under Owner's Authority section, added U.S. Bank makes no warranty or representation as to the suitability of any
deposit product outside the United States of America.
· Under Insufficient Funds and Overdrafts section, removed language that states an Overdraft Paid Fee may be
charged if the Available Balance was positive at the time the debit card transaction was authorized.
· Under Withdrawal Rights, Ownership of Account, and Beneficiary Designation section, Accounts Established
Under the Uniform Transfers to Minors Act or Uniform Gifts to Minors Act ("UTMA/UGMA") sub-section, added
language stating U.S. Bank may contact the minor for instructions, unless prior written notice is received and supporting
documentation establishing that the minor has not yet reached the age of termination.
If you have questions, please call us at 800-USBANKS (872-2657) - we're available to help] You can also schedule an
appointment at usbank.com/book to speak with a banker in person, by phone or virtually.

U.S. BANK SMARTLY CHECKING Member FDIC

U.S. Bank National Association Account Number 1-301-2962-6144
Account Summary
Beginning Balance on Aug 11 $ 303.05- Number of Days in Statement Period 34
Deposits / Credits 1,447.70
Card Withdrawals 110.38-
Other Withdrawals 1,037.45-
Ending Balance on Sep 13, 2023 $ 3.18-
 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
 MANDY MECHTLY Uni-Statement
2422 MCZAND BLVD Account Number:
GROVE CITY OH 43123-1436
1 301 2962 6144
Statement Period:
Aug 11, 2023
through
1010101010101010101010
1010110011010100011101
1010000000001001011000
1001110101001010101011
1101110000100101100010
1101110100000001110011
Sep 13, 2023
1000111010010110000000
1001111000010101100011
1100011010001010110000
1101010001000000111111
1000101000111000010010
1110100111000001101101
1011000100110010110000
1001110010101100101001
1010100100010000011000
1001011010100001100101
1001000011100100100000
1100000101011110000011
1110010100110110001110
1101011101100011100111
1110100011110100011000
Page 2 of 3
1111111111111111111111

U.S. BANK SMARTLY CHECKING (CONTINUED)

U.S. Bank National Association Account Number 1-301-2962-6144
Deposits / Credits
Date Description of Transaction Ref Number Amount
Aug 11 Returned Withdrawal Electronic $ 139.18
Aug 21 Real Time Payment Credit From DraftKings Credit via Tr 37.13
On 08/21/23 021214273P1B10WE58452911141
Aug 21 ATM Deposit US BANK N HAMILT COLUMBUS OH 140.00
Serial No. 004035093458SUS28119
Aug 23 Visa Direct CASH APP*CASH OU 0108230159 58.95
Aug 28 Real Time Payment Credit From FanDuel Credit via Trust 1.00
On 08/26/23 021214273P1B1C9H07053805465
Aug 28 Overdraft Paid Fee Waived 6854229094 36.00
Aug 28 Real Time Payment Credit From FanDuel Credit via Trust 80.00
On 08/26/23 021214273P1B7D5B17808752865
Aug 28 Real Time Payment Credit From FanDuel Credit via Trust 200.15
On 08/26/23 021214273P1B9SS608842979708
Aug 28 Real Time Payment Credit From FanDuel Credit via Trust 241.68
On 08/26/23 021214273P1B4YI553951902359
Aug 30 Real Time Payment Credit From FanDuel Credit via Trust 150.00
On 08/30/23 021214273P1B611202711500231
Sep 5 Zelle Instant PMT From TRENT PAUL 16.00
On 09/03/23 PMT ID=H50198701455
Sep 5 Visa Direct CASH APP*MANDY M 4809031504 25.20
Sep 6 Visa Direct CASH APP*MANDY M 6109061110 20.41
Sep 6 Returned Withdrawal Electronic 50.00
Sep 7 Overdraft Paid Fee Waived 8740339078 36.00
Sep 11 Overdraft Paid Fee Refund 36.00
Sep 11 Zelle Instant PMT From TRENT PAUL 180.00
On 09/09/23 PMT ID=H50199095846
Total Deposits / Credits $ 1,447.70

Card Withdrawals
Card Number: xxxx-xxxx-xxxx-8651
Date Description of Transaction Ref Number Amount
Aug 25 Debit Purchase - VISA On 082423 8774174551 CA 6854229054 $ 10.00-
CASH APP*MANDY M REF # 24492153236854229054539
Aug 25 Debit Purchase - VISA On 082423 8774174551 CA 6854229094 25.00-
CASH APP*MANDY M REF # 24492153236854229094782
Card 8651 Withdrawals Subtotal $ 35.00-
Card Number: xxxx-xxxx-xxxx-3908
Date Description of Transaction Ref Number Amount
Sep 5 Debit Purchase - VISA On 090223 8774174551 CA 5740160324 $ 25.00-
CASH APP*MANDY M REF # 24492153245740160324404
Sep 5 Debit Purchase BP#88654201267 COLUMBUS OH 30.38-
529734 On 090123 MAESTERM REF 529734
Sep 6 Debit Purchase - VISA On 090423 8774174551 CA 8740339078 20.00-
CASH APP*MANDY M REF # 24492153248740339078532
Card 3908 Withdrawals Subtotal $ 75.38-
Total Card Withdrawals $ 110.38-

Other Withdrawals
Date Description of Transaction Ref Number Amount
Aug 23 Zelle Instant PMT To B3T TH3 R3NT $ 60.00-
On 08/23/23 PMT ID=USB4pVCeOClp
Aug 28 Electronic Withdrawal To SportsBookCasino 25.00-
REF=232400102241890N00SD 1204577926FanDuel
Aug 28 Electronic Withdrawal To SportsBookCasino 25.00-
REF=232400102242230N00SD 1204577926FanDuel
 MANDY MECHTLY Uni-Statement
2422 MCZAND BLVD Account Number:
GROVE CITY OH 43123-1436
1 301 2962 6144
Statement Period:
Aug 11, 2023
through
Sep 13, 2023

Page 3 of 3

U.S. BANK SMARTLY CHECKING (CONTINUED)

U.S. Bank National Association Account Number 1-301-2962-6144
Other Withdrawals (continued)
Date Description of Transaction Ref Number Amount
Aug 28 Electronic Withdrawal To SportsBookCasino 25.00-
REF=232400102242430N00SD 1204577926FanDuel
Aug 28 Electronic Withdrawal To SportsBookCasino 25.00-
REF=232400102242570N00SD 1204577926FanDuel
Aug 28 Electronic Withdrawal To SportsBookCasino 25.00-
REF=232400102240150N00SD 1204577926FanDuel
Aug 28 Electronic Withdrawal To SportsBookCasino 25.00-
REF=232400102241150N00SD 1204577926FanDuel
Aug 28 Electronic Withdrawal To SportsBookCasino 25.00-
REF=232400102241630N00SD 1204577926FanDuel
Aug 28 Electronic Withdrawal To SportsBookCasino 25.00-
REF=232400102241710N00SD 1204577926FanDuel
Aug 28 Overdraft Paid Fee 6854229094 36.00-
Aug 28 Electronic Withdrawal To SportsBookCasino 60.00-
REF=232400102238510N00SD 1204577926FanDuel
Aug 28 Electronic Withdrawal To SportsBookCasino 60.00-
REF=232400102240790N00SD 1204577926FanDuel
Aug 28 Zelle Instant PMT To B3T TH3 R3NT 105.00-
On 08/28/23 PMT ID=USButQKeQ24P
Aug 29 Electronic Withdrawal To VENMO 10.00-
REF=232400145354060N00 2646819921ADDFUNDS 1029052485430
Aug 30 Zelle Instant PMT To B3T TH3 R3NT 200.00-
On 08/30/23 PMT ID=USBbka5eQCUN
Sep 5 Electronic Withdrawal To VENMO 50.00-
REF=232480042225190N00 2646819921ADDFUNDS 1029162613108
Sep 6 Fee Non-US Bank ATM Denied Transaction 0600000001 2.50-
Sep 6 Overdraft Paid Fee 5740160324 36.00-
Sep 7 Overdraft Paid Fee 8740339078 36.00-
Sep 11 Zelle Instant PMT To AMY HESTER 35.00-
On 09/10/23 PMT ID=USByPxHeTJXt
Sep 11 Zelle Instant PMT To AMY HESTER 140.00-
On 09/09/23 PMT ID=USBCENMeTtus
Sep 13 Monthly Maintenance Fee 1300004229 6.95-
Total Other Withdrawals $ 1,037.45-

Total for Statement Period Total Year to Date

Total Returned Item Fees $ 0.00 $ 0.00
Total Overdraft Fees $ 108.00 $ 828.00
Less: Waives $ 72.00- $ 612.00-
Less: Refunds* $ 72.00-
TOTAL $ 36.00 $ 144.00

A "waive" occurs when an assessed fee is credited back automatically.

A "refund" is a non-automated credit applied to your account at any time.

*Refunds are only reported under "Year To Date" because refunds that are processed in the
current period may be related to fees originally assessed in a prior period.

Balance Summary
Date Ending Balance Date Ending Balance Date Ending Balance
Aug 11 163.87- Aug 28 75.04 Sep 6 37.23-
Aug 21 13.26 Aug 29 65.04 Sep 7 37.23-
Aug 23 12.21 Aug 30 15.04 Sep 11 3.77
Aug 25 22.79- Sep 5 49.14- Sep 13 3.18-
Balances only appear for days reflecting change.