Uni-Statement

Account Number:
1 536 0504 6660
P.O. Box 1800 Statement Period:
Saint Paul, Minnesota 55101-0800
Feb 20, 2025
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NANCY J BEAN
RAYMOND E BEAN JR
2809 NW MILL POND RD To Contact U.S. Bank
PORTLAND OR 97229-7559 By Phone: 800-US BANKS
(800-872-2657)
Portland
Metro Area: 503-US BANKS
(503-872-2657)
U.S. Bank accepts Relay Calls
Internet: usbank.com
NEWS FOR YOU

Scan here with your phone's camera to download the U.S. Bank Mobile App.

Eligible cardmembers can check out online with Paze SM today.

The list of merchants offering Paze at online checkout keeps growing. See the full list of merchants offering Paze at
paze.com/merchant-directory
Paze and the Paze related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

U.S. Bank Smartly® Checking account benefits are growing!

We're excited to share new benefits coming to Bank Smartly Checking, along with the current features you enjoy today.
Your exclusive benefits
With a Bank Smartly® Checking account, there's no minimum balance to receive the following:
· Two Non-U.S. Bank ATM transaction fees waived per statement period (starting May 19, 2025)
· Monthly Maintenance Fee waiver of $5 on a U.S. Bank Smartly ® Savings account
· Unlock higher relationship rates on Bank Smartly Savings
· Free credit score
· Digital tools to help you save, budget and plan
· Complimentary Greenlight account and debit card for kids and teens
· 50% off initial box of checks
· ...and more! With new, lower tier thresholds in U.S. Bank Smart Rewards ®, as your balances increase, your perks grow,
too. (starting May 19, 2025)

INFORMATION YOU SHOULD KNOW

Effective May 19, 2025, please review updates made to the Your Deposit Account Agreement document which may affect your
rights.
Beginning April 14, 2025, 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 Regulation CC, the following amounts for funds availability will be updated:
o In the Funds Availability: Your Ability to Withdraw Funds - All Accounts section
§ Immediate Availability - All Accounts subsection and Longer Delays May Apply subsection, in all
instances, $225 will be updated to $275 by July 1, 2025

Products and services available in U.S. only. Eligibility requirements and restrictions apply. For additional information, contact a U.S. Bank branch or
call 800-872-2657.
 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
 NANCY J BEAN Uni-Statement
RAYMOND E BEAN JR Account Number:
2809 NW MILL POND RD
PORTLAND OR 97229-7559 1 536 0504 6660
Statement Period:
Feb 20, 2025
through
Mar 18, 2025

Page 2 of 6

INFORMATION YOU SHOULD KNOW (CONTINUED)

§ Longer Delays May Apply subsection and Special Rules for New Accounts - Retail Consumer
and Business Accounts subsection, in all instances, $5,525 will be updated to $6,725 by July 1, 2025
· State Farm and Edward Jones product information, pricing information disclosure references and contact information are
added throughout the document
· Under Electronic Fund Transfers for Consumer Customers, Types of Transactions section, Expanded Account
Access subsection, added enrollment instructions
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 May 19, 2025, the following changes are being made to the U.S. Bank Smartly ® Checking account and U.S. Bank Smart
Rewards® program. These updates will be reflected in the Consumer Pricing Information document which may affect your rights.
Beginning April 14, 2025, you can review the full revised document 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.

· The Non-U.S. Bank ATM Transaction fee (International or Domestic) is changed to $3.00 (excluding Safe Debit)
Changes to the U.S. Bank Smartly® Checking account

· The Bank Smartly Checking account Monthly Maintenance Fee will change to $12
· You can avoid the Monthly Maintenance Fee by meeting one of the waiver criteria:
o Combined monthly direct deposit totaling $1,500 or more
o An account owner on an eligible small business checking account
o Maintain an average account balance of $1,500 or greater
o Be a member of a Customer Group that waives the Monthly Maintenance Fee
o Qualify for the Smart Rewards Gold Tier or above
· Having an eligible personal U.S. Bank credit card no longer waives the Monthly Maintenance Fee
· A Bank Smartly Checking account will automatically come with the Smart Rewards Bronze Tier benefits, at a minimum
· The interest tiers for the Bank Smartly Checking account are updated
Great news about the U.S. Bank Smart Rewards ® program
The Smart Rewards program will be updated with the new rewards tiers listed below. Beginning April 14, 2025, please review the
updated Smart Rewards tiers and benefits by visiting usbank.com/cpi-upcoming-version.
Changes to the U.S. Bank Smart Rewards® program
· The U.S. Bank Smart Rewards® Combined Qualifying Balance (CQB) calculation is updated
· The four Smart Rewards tiers, Primary, Plus, Premium and Pinnacle are discontinued and will be replaced with five
Smart Rewards tiers, Bronze Tier, Silver Tier, Gold Tier, Platinum Tier and Platinum Plus Tier. These tiers are not
associated with any consumer or business checking products that share the same name.
o The tier balance qualifications are updated to the following:
§ Bronze Tier: Under $5,000
§ Silver Tier: $5,000 - $24,999.99
§ Gold Tier: $25,000 - $49,999.99
§ Platinum Tier: $50,000 - $99,999.99
§ Platinum Plus Tier: $100,000 and above
· Home Equity Loan or Personal Loan discount is being added for all tiers
· The tier balance qualification for the Standard Savings Interest Rate Lift benefit is being updated to include balances
$25,000 or more
· These Smart Rewards benefits and tier qualification are being discontinued:
o The Safe Deposit Box annual rental fee discount (this benefit will remain for the Senior Customer Group)
o The Home Equity Line of Credit Annual Fee discount
o The Financial Consultation with a Wealth Management professional
o The credit account qualification for the Primary tier
· Elite Money Market
o An existing option to waive the Elite Money Market Monthly Maintenance Fee is updated to: Owner of a Bank
Smartly Checking account with a minimum of Gold Tier
Changes to Customer Group benefits
 NANCY J BEAN Uni-Statement
RAYMOND E BEAN JR Account Number:
2809 NW MILL POND RD
PORTLAND OR 97229-7559 1 536 0504 6660
Statement Period:
Feb 20, 2025
through
Mar 18, 2025

Page 3 of 6

INFORMATION YOU SHOULD KNOW (CONTINUED)

Certain Customer Group benefits are updated as follows:

· Military
o All account owners receive Military customer group benefits on that account when an owner is a member of the
Military customer group
o The 50% Safe Deposit Box annual rental fee discount is removed
o Automatic enrollment in the Plus tier is removed; however, you will continue to receive the following benefits:
§ Monthly Maintenance Fee waiver on the Bank Smartly Checking account
§ Unlimited fee waivers for Cashier's Checks, Personal Money Orders and Stop Payments
§ The first four Non-U.S. Bank ATM Transaction fees are waived per statement period
§ For Non-U.S. Bank ATM Surcharge charged by ATM Owner (Domestic Only), the first fee is
reimbursed (one per statement period)
§ Standard Savings Interest Rate Lift: 10.00% of the standard interest rate
§ IRA Annual Fee Waiver
· Wealth Management
o First four fees reimbursed per statement period for Non-U.S. Bank ATM Surcharge charged by an ATM Owner
(Domestic only)
o You will continue to receive the following benefits:
§ Premier service including:
· Access to a dedicated team of wealth professionals with planning, investment and banking
expertise
· Dedicated concierge phone support
· Market and economic updates
· Exclusive event invitations
§ Access to customer lending solutions, including Liquid Asset Secured lines of credit
§ Higher money movement limits
§ Immediate access to your funds
§ Complimentary Wealth Management-branded personal checks
· Workplace-Financial Wellness Program
o Monthly Maintenance Fee waiver on the Bank Smartly Checking account
o The first four Non-U.S. Bank ATM Transaction fees are waived per statement period
o The 50% Safe Deposit Box annual rental fee discount is removed
o You will continue to receive the 50% discount on personal check re-orders (U.S. Bank logo or personal)
· U.S. Bank Global Transition Solutions (Formerly known as Referral Banking)
o Two incoming Wire Transfer fees waived per statement period
o The first four Non-U.S. Bank ATM Transaction fees are waived per statement period
o Automatic enrollment in the Primary tier is removed; however, you will continue to receive the following benefits:
§ Monthly Maintenance Fee waiver on the Bank Smartly Checking account
§ Standard Savings Interest Rate Lift: 5.00% of the standard interest rate

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 GOLD CHECKING Member FDIC

U.S. Bank National Association Account Number 1-536-0504-6660
Account Summary
Beginning Balance on Feb 20 $ 19,347.26 Number of Days in Statement Period 27
Deposits / Credits 29,093.08 Average Account Balance $ 20,823.66
Card Withdrawals 1,722.50- Customer Segment Senior
Other Withdrawals 16,406.76-
Checks Paid 2,161.00-
Ending Balance on Mar 18, 2025 $ 28,150.08
 NANCY J BEAN Uni-Statement
RAYMOND E BEAN JR Account Number:
2809 NW MILL POND RD
PORTLAND OR 97229-7559 1 536 0504 6660
Statement Period:
Feb 20, 2025
through
Mar 18, 2025

Page 4 of 6

U.S. BANK GOLD CHECKING (CONTINUED)

U.S. Bank National Association Account Number 1-536-0504-6660
Overdraft Protection
The following account(s) are linked to your checking account for Overdraft Protection. The account(s) are listed in the order that they would be
used to transfer funds to your checking account if the available account balance is negative. If you wish to make changes to your Overdraft
Protection account order; log in to your account at usbank.com, visit your local U.S. Bank branch or call U.S. Bank 24-Hour Banking at the
number listed above.
1st Position: U.S. Bank Package Money Market Savings account ending in 4479

Deposits / Credits
Date Description of Transaction Ref Number Amount
Feb 20 Zelle Instant PMT From PAIGE MARIE LILLEHAUGEN $ 47.00
On 02/20/25 PMT ID=USBzu10n8jt1
Feb 21 Mobile Check Deposit 9213323411 195.58
Mar 3 Electronic Deposit From Royal Credit Uni 572.00
REF=250590186431040N00 PAYVEOWEB Transfer Gloria Hafner
Mar 5 Mobile Check Deposit 8612238101 14.00
Mar 7 Zelle Instant PMT From Paige Marie Lillehaugen 11.50
On 03/07/25 PMT ID=USBPxbencAWA
Mar 10 Reversed Fee ATM Withdrawal At Other Network 1000008506 2.50
Mar 11 Electronic Deposit From UBS FINSVC 25,000.00
REF=250700046518050N00 EFT 1132638166
Mar 12 Federal Benefit Deposit From SSA TREAS 310 3,248.00
REF=250660089729370N00 XXSOC SEC 9031036030 2262A S
Mar 17 Reversed Fee ATM Withdrawal At Other Network 1700007713 2.50
Total Deposits / Credits $ 29,093.08

Card Withdrawals
Date Description of Transaction Ref Number Amount
Mar 10 Fee ATM Withdrawal At Other Network 1000008505 $ 2.50-
Mar 17 Fee ATM Withdrawal At Other Network 1700007712 2.50-
Mar 18 Fee ATM Withdrawal At Other Network 1800004891 2.50-
Card Number: xxxx-xxxx-xxxx-9605
Date Description of Transaction Ref Number Amount
Feb 27 ATM Withdrawal US BANK PALM SPR PALM SPRINGS CA $ 300.00-
Serial No. 002066122440SUS4W517
Mar 10 ATM Withdrawal 401 EAST AMADO R PALM SPRINGS CA 305.00-
Serial No. 000124201108PLUSTERM
Mar 12 ATM Withdrawal US BANK PALM SPR Palm Springs CA 300.00-
Serial No. 001155162247SUS4W517
Mar 17 ATM Withdrawal 401 EAST AMADO R PALM SPRINGS CA 305.00-
Serial No. 005921214057PLUSTERM
Mar 18 ATM Withdrawal 401 EAST AMADO R PALM SPRINGS CA 505.00-
Serial No. 005928223111PLUSTERM
Card 9605 Withdrawals Subtotal $ 1,715.00-
Total Card Withdrawals $ 1,722.50-

Other Withdrawals
Date Description of Transaction Ref Number Amount
Feb 20 Electronic Withdrawal To VENMO $ 50.00-
REF=250500160652500N00 3264681992PAYMENT 1040384093356
Feb 20 Electronic Withdrawal To CMS MEDICARE 185.00-
REF=250500172957890N00 PREMIUMS 7505008009
Feb 21 Electronic Withdrawal To REGENCE ASUR BRG 150.00-
REF=250510196267080N00 9500000000ONLINE
PMTUSB858971741POS
Feb 24 Electronic Withdrawal To GANNETT NSSCWEST 41.73-
REF=250520116958630N00 9500000000ONLINE
PMTUSB858971741POS
 NANCY J BEAN Uni-Statement
RAYMOND E BEAN JR Account Number:
2809 NW MILL POND RD
PORTLAND OR 97229-7559 1 536 0504 6660
Statement Period:
Feb 20, 2025
through
Mar 18, 2025

Page 5 of 6

U.S. BANK GOLD CHECKING (CONTINUED)

U.S. Bank National Association Account Number 1-536-0504-6660
Other Withdrawals (continued)
Date Description of Transaction Ref Number Amount
Feb 25 Electronic Withdrawal To MODA HEALTH 40.00-
REF=250560026762910N00 9500000000ONLINE
PMTUSB858971741POS
Feb 25 Electronic Withdrawal To VENMO 100.00-
REF=250550167254210N00 3264681992PAYMENT 1040489031217
Feb 25 Electronic Withdrawal To VENMO 125.00-
REF=250550167251880N00 3264681992PAYMENT 1040488260190
Feb 28 Transfer To Account 153659978230 2800004758 40.00-
Feb 28 Electronic Withdrawal To DEWEY PEST CONTR 52.00-
REF=250580130430780N00 9500000000ONLINE
PMTUSB858971741POS
Feb 28 Electronic Withdrawal To VENMO 175.00-
REF=250580159632420N00 3264681992PAYMENT 1040553531364
Mar 4 Electronic Withdrawal To SO CAL GAS 79.70-
REF=250620274572460Y00 1992052494PAID SCGC 0491250101
Mar 4 Electronic Withdrawal To PROTECTIVE LIFE 551.53-
REF=250620207848320N00 INS. PREM.9205920592
Mar 5 Electronic Withdrawal To VENMO 100.00-
REF=250640088491110N00 3264681992PAYMENT 1040681564789
Mar 7 Electronic Withdrawal To DESERT WATER 61.44-
REF=250650088357760Y00 ACH 1952408471
Mar 7 Electronic Withdrawal To COMN CAP APY F1 195.51-
REF=250650067120060N00 1651180275AUTO PAY P25065414668273
Mar 10 Electronic Withdrawal To SO CAL EDISON CO 192.47-
REF=250660087742500N00 DIRECTPAY 0088778600
Mar 10 Electronic Withdrawal To VERIZON WIRELESS 225.89-
REF=250660077154270N00 PAYMENTS 4223344794
Mar 11 Electronic Withdrawal To InstaMed 35.90-
REF=250690208881910N00 SILVERSCRI9221883201
Mar 11 Electronic Withdrawal To BK OF AMER VISA 14,003.09-
REF=250690171473650N00 9500000000ONLINE PMTCKF279506549POS
Mar 18 ATM Fee Balance Inquiry At Other Network 1800004890 2.50-
Total Other Withdrawals $ 16,406.76-

Checks Presented Conventionally

Check Date Ref Number Amount Check Date Ref Number Amount
3457 Mar 11 8314585545 70.00 5936* Mar 5 8613426362 44.00
5931* Mar 4 8315070153 840.00 5937 Mar 14 9213511940 500.00
5933* Feb 28 9212472181 99.00 5948* Mar 18 8314540481 40.00
5934 Mar 3 8016751502 568.00
* Gap in check sequence Conventional Checks Paid (7) $ 2,161.00-

Balance Summary
Date Ending Balance Date Ending Balance Date Ending Balance
Feb 20 19,159.26 Mar 3 18,236.11 Mar 11 26,557.08
Feb 21 19,204.84 Mar 4 16,764.88 Mar 12 29,505.08
Feb 24 19,163.11 Mar 5 16,634.88 Mar 14 29,005.08
Feb 25 18,898.11 Mar 7 16,389.43 Mar 17 28,700.08
Feb 27 18,598.11 Mar 10 15,666.07 Mar 18 28,150.08
Feb 28 18,232.11
Balances only appear for days reflecting change.
 NANCY J BEAN Uni-Statement
RAYMOND E BEAN JR Account Number:
2809 NW MILL POND RD
PORTLAND OR 97229-7559 1 536 0504 6660
Statement Period:
Feb 20, 2025
through
Mar 18, 2025

Page 6 of 6

IMAGES FOR YOUR U.S. BANK GOLD CHECKING ACCOUNT Member FDIC
Account Number 1-536-0504-6660

3457 Mar 11 70.00 5936* Mar 05 44.00

5931* Mar 04 840.00 5937 Mar 14 500.00

5933* Feb 28 99.00 5948* Mar 18 40.00

5934 Mar 03 568.00

* Gap in check sequence
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