Uni-Statement

Account Number:
P.O. Box 1800
1 512 1078 9724
Saint Paul, Minnesota 55101-0800 Statement Period:
1734 TRN S X ST01 Sep 30, 2019
through
Oct 22, 2019
1010101010101010101010
1011111111001010110011
1010001100001001000110
1001110101010000100101
1101010000100100000110
1101010011000001010001
1010101010010110011010
1001000000011101000011
1101011010000100111000
1101110001101000110101
1000110110110100101110
1010011100111101001101
1010101001111100001000
1000010001110101010111
1010001000011011011000
1101011101100111100101
1101101101011110100000
1101010101010111110011
Page 1 of 4
1010110111110000000110
1111101101111001111101
1101101011101000001010
1111111111111111111111

AAADDTDDTFFFTTDATDAFDFFAAFFFDFTTDFAAFFFDTFADDFTTDDAAAADAFAATDFTFT

000004514 01 AV 0.383 000638245244385 P Y

JACQUELINE YOUNG
JAMES MCLEMOR
% To Contact U.S. Bank
662 CRAWFORD CIR By Phone: 1-800-US BANKS
SPARTA TN 38583-2418 (1-800-872-2657)
U.S. Bank accepts Relay Calls
Internet: usbank.com

INFORMATION YOU SHOULD KNOW

Effective November 11, 2019 the "Your Deposit Account Agreement" booklet and "Consumer Pricing Information"
brochure 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:
· Update Online and Mobile Financial Services Agreement document title to Digital Services Agreement
· Addition of Applicable Law section
· Owner's Authority section
o Update to owner authorized actions
· Deposits section, Foreign Currency sub-section
o Clarification on the foreign currency deposit process
· Returned Deposited and Cashed Items section
o Clarification on the assessment of fees
· Insufficient Funds and Overdraft section
o Available Balance and Insufficient Funds sub-sections
§ Clarification of pending merchant transactions regarding posting and impact to available balances
o Our Fees sub-section
§ Extended overdraft fees are suspended during fraud investigations
· Closing Your Account section
o Clarification on actions associated with closing your account
· S.T.A.R.T Goals and Rewards section
o Removal of the Think TwiceTM Savings feature option
· U.S. Bank Consumer Reserve Line Agreement section
o Interest Charges and Fees sub-section
§ Change to Late Payment Fee language
The main updates to note in the revised "Consumer Pricing Information" brochure include:
· Updates to ATM availability, locations and disclosure
· Update Online and Mobile Financial Services Agreement document title to Digital Services Agreement
· Updates to the mortgage benefits and disclosure for Platinum and Gold Checking Package
· Clarification on benefits for senior and military customers required to be checking customers
Starting November 11, 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.

If you haven't already done so, we encourage you to enroll in eStatements. There are several benefits of eStatements including:
· No fees to receive your statement electronically, and it will eliminate the $2.00 Paper Statement Fee. ¹
· Reduce the risk of fraud and identity theft
· View, print and save statements
· Search up to five years of your transactions
· See detailed images of sent and deposited checks
· Get alerts when online documents are available
*Note: We waive the $2.00 Paper Statement Fee¹ for account holders age 65 or older.
eStatements are identical to your paper statements and the only difference is they are delivered electronically via usbank.com. It's
easy to enroll in eStatements and you can make the switch in Online Banking. Go to My Accounts, select My Documents and
then select Paperless Preferences.
 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
 JACQUELINE YOUNG Uni-Statement
JAMES MCLEMOR Account Number:
662 CRAWFORD CIR
SPARTA TN 38583-2418 1 512 1078 9724
Statement Period:
Sep 30, 2019
through
Oct 22, 2019
1010101010101010101010
1011111111001110101011
1010001100001001010010
1001110101010001101101
1101010000100101101110
1101010100000001000111
1010101010010110111100
1001000000011101111011
1101011010000110001000
1101110001101010111101
1000110110110111101010
1010011100110000110001
1010101001100110001100
1000010001100111010101
1010001001010100110000
1101011110010111001101
1101100110000101111000
1101011011100100000011
1010100010000110001110
1111010100011011100101
Page 2 of 4
1101010011100000001010
1111111111111111111111

INFORMATION YOU SHOULD KNOW (CONTINUED)

If you wish to continue receiving paper statements, there is nothing you need to do.
If you have any questions, our bankers are here 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. For additional information regarding eStatements, please visit
usbank.com/paperless.
¹ Additional fees may apply for Statements with Check Images and Statements with Check Return. Check Images are available with Paper or
eStatements. Check Return is only available with Paper Statements. Accounts with a Senior customer indicator receive $1.00 discount per
statement cycle for Statement with Check Return fee and the Statement with Check Images is waived.

EASY CHECKING Member FDIC

U.S. Bank National Association Account Number 1-512-1078-9724
Account Summary
Beginning Balance on Sep 30 $ 0.00 Number of Days in Statement Period 23
Deposits / Credits 4,194.68 Average Account Balance $ 648.24
Card Withdrawals 1,315.65-
Other Withdrawals 934.39-
Checks Paid 1,200.00-
Ending Balance on Oct 22, 2019 $ 744.64

Deposits / Credits
Date Description of Transaction Ref Number Amount
Sep 30 Deposit 8057072795 $ 100.00
Oct 1 Card Cash Advance Deposit 1,500.00
Oct 7 Deposit 8057892032 900.00
Oct 18 ATM Deposit US BANK SPARTA M SPARTA TN 901.34
Serial No. 008560155855SUS28722
Oct 21 ATM Deposit US BANK SPARTA M SPARTA TN 793.34
IMAGE DEPOSIT-AMOUNT Serial No. 008560155855SUS28722
ERROR
Total Deposits / Credits $ 4,194.68

Card Withdrawals
Card Number: xxxx-xxxx-xxxx-4601
Date Description of Transaction Ref Number Amount
Oct 2 Debit Purchase LAZY DAY MARKET SPARTA TN $ 9.87-
606924 On 100219 MAESTERM REF 606924
Oct 3 Debit Purchase - VISA On 100119 WWW.ATT.COM TX 5799451818 15.00-
ONSTAR DATA PLAN REF # 24493989275799451818341
Oct 4 Recurring Debit Purchase On 100319 888-4ONSTAR MI 6100235573 14.99-
OnStar REF # 24692169276100235573 US1
Oct 7 Debit Purchase LAZY DAY MARKET SPARTA TN 3.64-
892756 On 100719 MAESTERM REF 892756
Oct 7 Debit Purchase LAZY DAY MARKET SPARTA TN 3.82-
010796 On 100719 MAESTERM REF 010796
Oct 7 Debit Purchase - VISA On 100419 COOKEVILLE TN 8710015645 7.01-
CHICK-FIL-A #016 REF # 24427339278710015645480
Oct 7 Debit Purchase LAZY DAY MARKET SPARTA TN 54.55-
043404 On 100719 MAESTERM REF 043404
Card 4601 Withdrawals Subtotal $ 108.88-
Card Number: xxxx-xxxx-xxxx-4987
Date Description of Transaction Ref Number Amount
Oct 8 Debit Purchase - VISA On 100719 SPARTA TN 1839000000 $ 4.11-
LAZY DAY MARKET. REF # 24765019281839000000550
Oct 8 Debit Purchase A+ RENTALS 46 SPARTA TN 30.49-
519211 On 100719 MAESTERM REF 519211
Oct 8 ATM Withdrawal US BANK SPARTA M SPARTA TN 240.00-
Serial No. 006628123134SUS28722
 JACQUELINE YOUNG Uni-Statement
JAMES MCLEMOR Account Number:
662 CRAWFORD CIR
SPARTA TN 38583-2418 1 512 1078 9724
Statement Period:
Sep 30, 2019
through
Oct 22, 2019

Page 3 of 4

EASY CHECKING (CONTINUED)

U.S. Bank National Association Account Number 1-512-1078-9724
Card Withdrawals (continued)
Card Number: xxxx-xxxx-xxxx-4987
Date Description of Transaction Ref Number Amount
Oct 9 Debit Purchase - VISA On 100819 SPARTA TN 2839000000 2.00-
LAZY DAY MARKET. REF # 24765019282839000000559
Oct 9 Debit Purchase - VISA On 100819 SPARTA TN 1001096012 63.43-
WHITE COUNTY FAR REF # 24013399281001096012355
Oct 10 Debit Purchase - VISA On 100819 COOKEVILLE TN 2500413915 7.67-
WENDYS #205 REF # 24445009282500413915127
Oct 10 Debit Purchase - VISA On 100919 931-5208968 TN 2900019373 73.76-
GOODWILL MID TN REF # 24307929282900019373042
Oct 15 Debit Purchase LOWE'S #578 COOKEVILLE TN 0510131602 11.33-
783205 On 101319 ILK1TERM REF 928617783205
Oct 15 Debit Purchase - VISA On 101319 SPARTA TN 7400458000 14.36-
BURGER KING #103 REF # 24186169287400458000234
Oct 15 Debit Purchase - VISA On 101219 SPARTA TN 6152862427 19.28-
HARDEES 1501794 REF # 24755429286152862427624
Oct 15 Debit Purchase LOWE'S #578 COOKEVILLE TN 2510131557 147.93-
721625 On 101319 ILNKILNK REF 928616721625
Oct 15 Debit Purchase LOWE'S #548 CROSSVILLE TN 4110121318 215.90-
676141 On 101219 ILNKILNK REF 928514676141
Oct 18 Debit Purchase - VISA On 101719 COOKEVILLE TN 0740270857 6.30-
SONIC DRIVE IN # REF # 24427339290740270857342
Oct 18 ATM Withdrawal US BANK SPARTA M SPARTA TN 40.00-
Serial No. 008562155957SUS28722
Oct 21 Debit Purchase - VISA On 101919 Tempe AZ 3030038572 7.00-
QUICKTAG/PET TAG REF # 24765189293030038572672
Oct 21 Debit Purchase WAL-MART #0657 COOKEVILLE TN 69.03-
589269 On 101919 MAESTERM REF 589269
Oct 21 Debit Purchase - VISA On 101819 SPARTA TN 2839000001 109.09-
LAZY DAY MARKET. REF # 24765019292839000001134
Oct 21 Debit Purchase - VISA On 101819 SPARTA TN 3030042135 145.09-
SERENITY THRIFT REF # 24643739293030042135706
Card 4987 Withdrawals Subtotal $ 1,206.77-
Total Card Withdrawals $ 1,315.65-

Other Withdrawals
Date Description of Transaction Ref Number Amount
Oct 7 Check Printing Charge $ 33.05-
Oct 21 Reversed ATM Deposit US BANK SPARTA M SPARTA TN 901.34-
IMAGE DEPOSIT-AMOUNT Serial No. 008560155855SUS28722
ERROR
Total Other Withdrawals $ 934.39-

Checks Presented Conventionally

Check Date Ref Number Amount
0101 Oct 1 8356892555 1,200.00
Conventional Checks Paid (1) $ 1,200.00-

Balance Summary
Date Ending Balance Date Ending Balance Date Ending Balance
Sep 30 100.00 Oct 3 375.13 Oct 8 883.47
Oct 1 400.00 Oct 4 360.14 Oct 9 818.04
Oct 2 390.13 Oct 7 1,158.07 Oct 10 736.61
 JACQUELINE YOUNG Uni-Statement
JAMES MCLEMOR Account Number:
662 CRAWFORD CIR
SPARTA TN 38583-2418 1 512 1078 9724
Statement Period:
Sep 30, 2019
through
Oct 22, 2019
1010101010101010101010
1011111111010010100011
1010001100001001001110
1001110101011011100101
1101010000100101110110
1101010101000000100101
1010101010010110010010
1001000000011101111011
1101011010000100001000
1101110001101011000101
1000110110111100100010
1010011100111011000001
1010101001100111010000
1000010001011110101101
1010001001010101010110
1101011111100000001101
1101101011000001101000
1101011100110010100011
1010011100100010111110
1111001100000101110001
Page 4 of 4
1101010011101010001010
1111111111111111111111

EASY CHECKING (CONTINUED)

U.S. Bank National Association Account Number 1-512-1078-9724
Balance Summary (continued)
Date Ending Balance Date Ending Balance Date Ending Balance
Oct 15 327.81 Oct 18 1,182.85 Oct 21 744.64
Balances only appear for days reflecting change.
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