26-000867.pdf

Nobel H Atto Petitioner V City Of Warren Respondent · 26-000867-TT

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REC" rz 

AUG 31 2996 

—_ 

, 

MICH] 

Michigan Tax Tribunal 

GAN TAX TRIBUNAL 

Docket Number: 26-000867 

Parcel Tax [.D. No. 13-07-256-033 

Property Address: 30131 Gruenburg 

Petitioner 

Nobel Atto 

30131 Gruenburg 

Warren, MI 48082 

VS. 

Respondent 

City of Warren 

One City Square, Suite 310 

Warren, MI 48093 

Prepared by: 

1

Nobel Atto vs. City of Warren 

The homeowner purchased their home on September 28th, 2006. They applied 

for a Poverty Exemption at the March 2026 Board of Review. Based on the required 

supporting documentation provided, the petitioner was denied based on the household 

income exceeds the Federal Poverty Guidelines. 

The General Property Tax Act, Act 206 0f1893 MCL 211.7u addresses the 

principal residence of a person(s) in poverty and their ability to pay property taxes on 

that residence. Below is the income guidelines set forth in the adopted application for 

2026 (See full application included). The Board of Review awards exemptions based on 

the guidelines below. 

Income at or below the Federal Limit qualifies for a reduction in taxes. 

Households with an income over the Federal Limit are not eligible for an exemption and 

the homeowner is responsible for the entire property tax bill. 

Highlighted in the chart below is the qualifying line for the Atto family. The family 

consists of Nobel Atto (78) and Elham Atto (69) 

0, 

Hanh 

FED | ai 

| eRe 

1 

$15,650 

$0 to $12,519 

$12,520 to $15,650 

3 

$26,650 

$0 to $21,319 

$21,320 to $26,650 

4 

$32,150 

$0 to $25,719 

| $25,720 to $32,150 

5 

$37,650 

$0 to $30,119 

| $30,120 to $37,650 

6 

$43,150 

$0 to $34,519 

$34,520 to $43,150 

7 

$48,650 

$0 to $38,919 

$38,920 to $48,650 

8 

$54,150 

$0 to $43,319 

$43,320 to $54,150 

+9 

+ $5,500 

As with the Federal Poverty Guidelines adopted by the United States Department 

of Health and Human Services, the following definitions developed by US Census Bureau

+ 

Net receipts from non-farm or farm self-employment (receipts from a person's 

own business, professional enterprise, or partnership, after business expense 

deductions) 

+ 

Regular payments from social security, railroad retirement, unemployment, 

worker's compensation, veteran's payments, public assistance, supplemental 

security income (SSI) 

+ 

Alimony, child support, military family allotments 

+ 

Private and governmental retirement and disability pensions, regular 

insurance, annuity payments 

+ 

College or university scholarships, grants, fellowships, assistantships 

+ 

Dividends, interest, and net income from rentals, royalties, estates, trusts, 

gambling or lottery winnings 

Below is a chart depicting the total income information provided by the applicant 

for both adults residing in the home. 

INCOME FROM DATA IN APPLICATION 

2025 Social Security Benefit Statement 

$28,680 

Misc Bank Deposits (2025) 

$1,568.97 

$30,248.97 

The City of Warren's Poverty Exemption Guidelines state that the Board of 

Review shall consider income from all sources. In addition to the petitioners reported 

income from their 2025 Social Security Benefit Statement, several bank deposits were 

discovered on the provided 2025 bank statements (highlighted in green) totaling 

$1,568.97. This additional money is considered as income (money, wages, salaries 

before deductions or regular contributions from persons not living in the household). 

Conclusion 

Based on the information provided at the time of application, the petitioner

The 

following 

checklist 

must 

be 

completed 

and 

returned 

with 

your 

application: 

*, % 

Provide documents for the applicant, spouse and all other persons residing in the household. 

3 + 

Provide copies, not originals as anything provided will not be returned. 

+ 

If any item on the checklist does not apply write “N/A” to indicate not applicable for that lineitem. 

DO NOT WAIT TO TURN IN YOUR APPLICATION, PLEASE BRING IT TO THE ASSESSING 

DEPARTMENT AS SOON AS IT IS COMPLETED 

2025 FEDERAL INCOME TAX RETURNS FOR ALL PERSONS 18 AND OVER, COMPLETED 

i 

AND SIGNED OR FORM 4988 (INCLUDED IN PACKET) FOR ALL PERSONS THAT ARE NOT 

A REQUIRED TO FILE INCOME TAX RETURNS 

Hp 2025 W2'S & 1099'S 

PA "2025 MICHIGAN INCOME TAX RETURN 

os 

2025 MI-1040CR (HOMESTEAD TAX CREDIT) THIS FORM IS REQUIRED REGARDLESS IF 

) 

YOU FILE INCOME TAX RETURNS 

r=1/5 2025 SOCIAL SECURITY STATEMENT (SSA-1099) 

2025 BANK STATEMENTS (ALL CHECKING & SAVINGS ACCOUNTS, FOREIGN & 

F A 

DOMESTIC) FOR ALL PERSONS 18 AND OVER FOR ALL 12 MONTHS OF THE PRECEDING 

YEAR: JAN — DEC OF 2025 

YEAR END STATEMENTS FOR ASSET INFORMATION INCLUDING BUT NOT LIMITED TO: 

Yi, A 

ZELLE, CASH APP, VENMO, CRYPTO-CURRENCY ACCOUNTS, INVESTMENT ACCOUNTS, 

ETC 

hy 

DRIVER'S LICENSE OR STATE ID FOR ALL PERSONS OVER 18 RESIDING IN THE HOME 

(FRONT AND BACK) 

or 

COPIES OF REGISTRATIONS FOR ALL VEHICLES INCLUDING ALL RECREATIONAL 

|= 

VEHICLES (BOATS, CAMPERS, RVS, ETC.) 

LIST OF REGULAR CONTRIBUTIONS OR GIFTS OR LOANS FROM ANY PERSON NOT 

WAI RESIDING IN THE HOUSEHOLD FOR THE PRIOR 12 MONTHS 

LIST OF MONEY RECEIVED FROM THE SALE OF PROPERTY SUCH AS 

AHOUSE, CAR, 

We 

STOCKS, BONDS, ETC. IN THE PRIOR 12 MONTHS

WARREN 

Office of the 

Assessor 

One City Square, Suite 310 

Warren, Michigan 48093-2397 

Phone (586) 574-4532 

January 1, 2026 

Fax (586) 574-0793 

Dear Warren Property Owner: 

Enclosed are the City of Warren's 2026 Poverty Exemption Guidelines and Application Form for 

persons requesting tax relief due to poverty under Section 211.7u, P.A. 206 of 1893 and P.A. 253 

of 2020. 

The enclosed application MUST BE COMPLETED IN ITS ENTIRETY AND TIMELY FILED OR 

IT WILL NOT BE CONSIDERED. Follow the instructions in the guidelines carefully and provide 

ALL of the documentation required. Applications and supporting documents must be filed with 

the City Assessor for review of completeness and eligibility compliance. 

It is recommended that you submit your application at your earliest opportunity in order to ensure 

that the Assessing Department has ample time to review your application for completeness and 

eligibility compliance. Additional documentation may be requested. Pursuant to MCL 211.7u (3), 

the final date to file an application for poverty exemption shall be, “...after January 1, but before 

the day prior to the last day of the Board of Review.” Only complete, timely filed applications will 

be presented to the Board of Review for consideration. The Board of Review will review your 

application and supporting documents and will make a decision as to your eligibility for relief based 

on the information filed. A letter will be mailed within two weeks informing the applicant of the 

Board's decision. 

The 2026 Board of Review will meet in the Van Dyke Conference Room on the 3 floor of City 

Hall. The meetings of the Board of Review are subject to the Open Meetings Act, which allows 

for public viewing of the appeal proceedings. 

For tax year 2026, the meeting dates and filing deadlines are as follows: 

March Board of Review 

Meeting Dates: March 16, 17 & 18, 2026 

Application Due by 5:00 pm on March 16, 2026 

July Board of Review 

Meeting Date: July 21, 2026

CITY OF WARREN 

2026 

REAL PROPERTY TAX POVERTY EXEMPTION GUIDELINES FOR TAX 

RELIEF UNDER SECTION 211.7u, P.A. 206 of 1893 AND 253 OF 2020 

The following guidelines were adopted by the Warren City Council on 12/16/2025 

In order to qualify for the Poverty Exemption, the claimant must meet the requirements set forth 

in this application. 

It may be possible that a claimant meets the income standard for the Poverty 

Exemption, but does not meet the asset standard 

or other standards as set forth 

in these 

guidelines. In this instance, the claimant would NOT qualify for the exemption even though the 

income standard was met. 

«Poverty Exemptions shall apply only to the applicant's qualified principal residence. Under no 

circumstances shall a Poverty Exemption be granted or apply to the property of a business, 

partnership, or corporation. 

° EFA Please initial to acknowledge that you are aware that: the Assessing Staff will have 

the right to make a personal visit to the home of all applicants in each year that a poverty 

exemption is requested. 

o 

The Board of Review may deny any application where the information contained in 

it appears 

fraudulent, misleading or incomplete. An application is considered incomplete when required 

supporting documents and information is not included with the application. 

The Board of Review shall consider income from all sources and from all occupants of the 

household when determining whether an applicant meets the poverty income standards adopted 

by the City of Warren. Income includes: 

+ Money, wages, salaries before deductions, regular contributions from persons not 

living in the residence 

+ 

Net receipts from non-farm or farm self-employment (receipts from a person's own 

business, professional enterprise, or partnership, after business expense 

deductions) 

+ Regular payments from social security, railroad retirement, unemployment, worker's 

compensation, veteran's payments, public assistance, supplemental security 

income (SSI) 

« Alimony, child support, military family allotments 

+ 

Private and governmental retirement and disability pensions, regular insurance,

Asset Guidelines 

Used in the Determination of Poverty Exemptions for 2026 

As required by PA 390 of 1994, 

all guidelines for poverty exemptions as established by the 

governing body of the local assessing unit shall also include an asset level test. The purpose of 

an asset test is to determine the resources available (cash and fixed assets and property that 

could be converted to cash) that could be used to pay property taxes in the year the poverty 

exemption is filed. 

To be eligible for exemption based on asset level, or other standards, the following requirements 

must be met: 

1. 

The total value of liquid assets such as savings accounts, checking accounts, certificates 

of deposit, all investments (including crypto-currency), stocks, bonds, gifts, loans, lump- 

sum inheritances, one-time insurance payments, interest earnings/dividends, retirement 

funds from all household members cannot exceed $7,500. 

2. 

The principal residence is exempt from the asset test. 

3. 

The total value of fixed assets shall not exceed $35,000. Fixed assets include but are not 

limited to; Household automobiles, recreational vehicles including; snowmobiles, boats, 

jet skis, camping trailers, travel trailers, motorcycles, motor homes, off-road vehicles, or 

anything else which may be considered a recreational vehicle. 

FEDERAL POVERTY INCOME STANDARDS FOR TAX YEAR 2026 

The following are the federal poverty income standards, which are updated annually by 

the United States Department of Health and Human Services, for the 2026 tax year. 

The Board 

of Review shall grant the exemption 

in whole or in part as follows: 

a full 

exemption equal 

to 100% reduction 

in taxable value for the tax year 

in which the 

exemption is granted or a partial exemption equal to a 50% reduction in taxable value for 

the tax year in which the exemption is being granted. 

Household 

Federal 

100% Taxable Value 

50% Taxable Value 

Size 

Limit 

Exemption 

Exemption 

1 

$15,650 

$0 

to 

$12,519 

$12,520 

to 

$15,650 

2 

$21,150 

$0 

to 

$16,919 

$16,290 

to 

$21,150 

3 

$26,650 

$0 

to 

$21,319 

$21,320 

to 

$26,650

This page intentionally blank.

Michigan Department of Treasury 

5737 (Rev. 10-25), Page 1 of 4 

Application and Affirmation for MCL 211.7u Poverty Exemption 

This form is issued under the authority of the General Property Tax Act, Public Act 206 of 1893, MCL 211.7u. 

MCL 211.7u of the General Property Tax Act, Public Act 206 of 1893, provides a property tax exemption for the principal 

residence of persons who, by reason of poverty, are unable to contribute toward the public charges. This application is 

to be used to apply for the exemption and must be filed with the Board of Review where the properly is located. This 

application may be submitted to the city or township where the properly is located in each year on or after January 1 but 

before the day prior to the last day of the board of review. Poverty Exemptions may be heard by the Board of Review 

during its March, July, and December sessions. 

To be considered complete, this application must: 1) be completed in its entirety, 2) include information regarding all 

members residing within the household, and 3) include all required documentation as listed within the application. Please 

write legibly and attach additional pages as necessary. 

PART 1: PERSONAL INFORMATION -— Petitioner must list all required personal information. 

Petitioner's Name 

Llhpm 

_ AYO 

ESTER _ 

a bp 0 8 

Age of Petitioner 

. 

Marital Status 

) 

Age of Spouse 

Number of Legal Dependents 

69 

mm &mjee 

78 

O~ 

Properly Address of Principal Residence 

Si ax Ye 

State 

| 

diz op 

Boil 

Then hy 9 

\J 

30 

mY 

092 

PART 2; REAL ESTATE INFORMATION 

List the real estate information related to your principal res idence. Be prepared to provide a deed, land contract or other 

evidence of ownership of the property at the Board of Review meeting. 

Property Parcel identification Number 

Name of Mortgage Company 

[307-2 

C~ 033 

Noh E 

Unpaid Balarffce Owed on Principal Résidence 

Monthly Payment 

Length of Time at this Residence 

heh€& 

Hong 

RO 

\t#s- 

Property Description 

PART 3: AFFIRMATION OF OWNERSHIP, OCCUPANCY, AND INCOME STATUS (Check all boxes that apply.) 

Hu own the property in which the exemption is being claimed. 

1 The propetty in which the exemption is being claimed is used as my homestead. Homestead is generally defined 

as any dwelling with its land and buildings where a family makes its home. 

PART 4: ADDITIONAL PROPERTY INFORMATION 

List information related to any other property owned by you or any member residing in the household.

5737, Page 2 of 4 

PART 5: EMPLOYMENT INFORMATION — List your current employment information. 

Name of Employer 

Address of Employer 

— 

City 

nv; 

State 

ZIP Code 

Def © 

A 

Contact Person 

Employer Telephone Number 

PART 6: INCOME SOURCES 

List all income sources, including but not limited to: salaries, Social Security, rents, pensions, IRAs (individual 

retirement accounts), unemployment compensation, disability, government pensions, worker's compensation, 

dividends, claims and judgments from lawsuits, alimony, child support, friend or family contribution, reverse mortgage, 

or any other source of income, for all persons residing at the property. 

Monthly or Annual Income 

Source of Income 

{indicate which) 

abel ATTo 

§<i 

216A 

<6 opts 

ELhAM ATT 

Es 

5 

dal 

co pwned 

PART 7: CHECKING, SAVINGS AND INVESTMENT INFORMATION 

List any and all savings owned by all household members, including but not limited to: checking accounts, savings 

accounts, postal savings, credit union shares, certificates of deposit, cash, stocks, bonds, or similar investments, for all 

persons residing at the property. 

Name of Financial Institution 

Amount 

Current 

Value of 

or Investments 

on Deposit 

Interest Rate| 

Name on Account 

Investment 

: 

12,890.50 

Chese 

Rang 

1 logl cee 

, © 

Chek: EN 

co 

Pehe 

ow exe dit 

WO Nieh 

2 posi 

0 

Cheakng 

0 

PART 8: LIFE INSURANCE — List all policies held by all household members. 

Amount of 

Monthly 

Policy Paid in 

Relationship to 

Name of Insured 

Policy 

Payments 

Full 

Name of Beneficiary 

Insured 

pone 

|r) 

fl 

rv/ 

In.

' 

5737, Page 3 of 4 

PART 10: HOUSEHOLD OCCUPANTS — List all persons living in the household. 

Relationship 

$ Contribution to 

First and Last Name 

Age 

to Applicant 

| Place of Employment | Family Income 

NY 

aobel 

We A 

78 

| hushan 

M/A 

") A 

LL hpsn 

Arr 

la 

igo 

V/A 

ALLL 

TIT 

7 

7 

T 

7 

77 

[AAA 

PART 11: PERSONAL DEBT — List all personal debt for all household members. 

Date 

Creditor 

Purpose of Debt 

of Debt 

| Original Balance [Monthly Payment] 

Balance Owed 

~ 

) 

. 

i pr] NE 

L 

Cub 

yg5a 

Paugng 

Lill 

iss 

L443 

oY 

PART 12: MONTHLY EXPENSE INFORMATION 

The amount of monthly expenses related to the principal residence for each category must be listed. Indicate N/A as 

necessary. 

Healing 

Electric 

| 

Water 

Phone 

n 

4 DL A opp 

| 

| Guo 

aporich 

0+ NAS 

onkh. 

]0 0-0 ¥ 

Awol, 

Za

5737, Page 4 of 4 

NOTICE: Per MCL 211.7u(2)(b), federal and state income tax returns for all persons residing in the principal residence, 

including any property tax credit returns, filed in the immediately preceding year or in the current year must be submitted 

with this application. Federal and state income tax returns are not required for a person residing in the principal residence 

if that person was not required to file a federal or state income tax return in the tax year in which the exemption under this 

section is claimed or in the immediately preceding tax year. 

PART 13: POLICY AND GUIDELINES ACKNOWLEDGMENT 

The governing body of the local assessing unit shall determine and make available to the public the policy and 

guidelines used for the granting of exemptions under MCL 211.7u. In order to be eligible for the exemption, the 

applicant must meet the federal poverty guidelines published in the prior calendar year in the Federal Register by the 

United States Department of Health and Human Services under its authority to revise the poverty line under 42 USC 

9902, or alternative guidelines adopted by the governing body of the local assessing unit so long as the alternative 

guidelines do not provide income eligibility requirements less than the federal guidelines. The policy and guidelines 

must include, but are not limited to, the specific income and asset levels of the claimant and total household income 

and assets. The combined assets of all persons must not exceed the limits set forth in the guidelines adopted by the 

local assessing unit. 

7 

he applicant has reviewed the applicable policy and guidelines adopted by the city or township, including the 

specific income and asset levels of the claimant and total household income and assets. 

PART 14: LEGAL DESIGNEE INFORMATION (Complete if applicable.) 

Legal Designee Name 

Daytime Telephone Number 

A 1s) [& & 

Elhpm 

ATT 6 

SIHh-3 

3] — 

Mailing Address 

City 

State 

| 

ZIP Code 

50)2) HUN" 4 

WD aden 

| 

8692 

PART 15: CERTIFICATION 

| hereby certify to the best of my knowledge that the information provided in this form is complete, accurate and 

| am 

eligible for the exemption from property taxes pursuant to Michigan Compiled Law, Section 211.7u. 

Date 

Printed Name 

Signature 

ee 

; 

Pr— 

—_— 

ZLhp HT 

ED 

27 a( 

This application shall be filed after January 1, but before the day prior to the last day of the local unit’s December 

Board of Review. 

Decision of the March Board of Review may be appealed by petition to the Michigan Tax Tribunal by July 31 of 

the current year. A July or December Board of Review decision may be appealed to the Michigan Tax Tribunal by 

petition within 30 days of decision. A copy of the Board of Review decision must be included with the petition. 

Michigan Tax Tribunal 

PO Box 30232 

Lansing MI 48909 

Phone: 517-335-9760

PPE 

Michigan Department of Treasury 

4088 (05-12) 

Poverty Exemption Affidavit 

This form is issued under authority of Public Act 208 of 1893; MCL 211.7u. 

INSTRUCTIONS: When completed, this document must accompany a taxpayer's Application for Poverty Exemption filed 

with the supervisor or the board of review of the local unit where the property is located. MCL 211.7u provides for a whole 

or partial property tax exemption on the principal residence of an owner of the property by reason of poverty and the 

inability to contribute toward the public charges. MCL 211.7u(2)(b) requires proof of eligibility for the exemption be provided 

to the board of review by supplying copies of federal and state income tax returns for all persons residing in the principal 

residence, including property tax credit returns, or by filing an affidavit for ali persons residing in the residence who were not 

required to file federal or state income tax returns for the current or preceding tax year, 

L 

ZL) Pm 

DTT? 

, swear and affirm by my signature below that 

| 

reside in the principal residence that is the subject of this Application for Poverty Exemption and that 

for the current tax year and the preceding tax year, 

| was not required to file a federal or state income 

tax return. 

20)2) 

Aue nal & 

Av 

Nn) athers 

om) 

Y Food 

Address of Principal Residence: 

[A723 

Signature of Person Making Affidavit 

Date

CHASE © 

JPMorgan Chase Bank, N.A. 

P O Box 182051 

Columbus, OH 43218-2051 

Account Number: 

December 14, 2024 i i 15, 2025 

CUSTOMER SERVICE INFORMATION 

Web site: 

Service Center: 

00046406 DRE 021 141 01625 NNNNNNNNNNN T 1000000000 10 0000 

Para Espanol: 

NOBEL ATTO 

International Calls: 

OR ELHAM ATTO 

30131 GRUENBURG DR 

WARREN MI 48092-3362 

Chase.com 

1-800-935-9935 

1-877-312-4273 

= 

1-713-262-1679 

We accept operator relay calls 

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If you have any questions, call the number on this statement. 

CHECKING SUMMARY 

Chase Total Checking 

Beginning Balance 

Deposits and Additions 

Electronic Withdrawals 

AMOUNT 

$243.15 

2,390.00 

-2,632.70 

Ending Balance 

$0.45 

DEPOSITS AND ADDITIONS 

DATE 

DESCRIPTION 

AMOUNT 

01/03 

SSA Treas 310 

Xxsoc Sec 

PPD 

| 

| $1,694.00 

01/03 

SSA Treas 310 

Xxsoc Sec 

PPD 

| 

696.00 

Total Deposits and Additions

CHAS E oO 

December 14, 2024 through January 15, 2025 

Account Number: 

ELECTRONIC WITHDRAWALS 

DATE 

DESCRIPTION 

AMOUNT 

12/30 

T-Mobile.Com 

Pcs Svc 

4492912 

Web ID: 0000450304 

$90.00 

01/02 

Consumers Energy Energybill 100022624198 

Web ID: 2380442310 

150.59 

01/07 

Comenity Pay Ur Web Pymt 

P25006394807350 Web ID: 1133163498 

31.99 

01/09 

01/09 Online Payment 23328934059 To Caesars Rewards Visa 

2,181.12 

01/10 

01/10 Online Payment 23348268487 To Costco Anywhere Card US 

199.00 

Total Electronic Withdrawals 

$2,632.70 

A Monthly 

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this fee 

during any staternent petiod. 

« 

Have electronic deposits made into this account totaling $500.00 or more, such as payments from payrol 

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FedNows™ network, or (iii) third party services that facilitate payments to your debit card using the Visa or 

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(your oa electronic deposits this period were $2,390.00. Note: some deposits may be listed on your previous 

statement 

s 

OB, keep a balance at the beginning of each day of $1,500.00 or more in this account. 

(Your lowest beginning day balance was $0.45) 

° 

08, keep an average beginning day balance of $5,000.00 or more in qualifying linked deposits and 

nvestments, 

(Your average beginning day balance of qualifying linked deposits and investments was $578.44) 

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS: 

Call us at 1-866-564-2262 or write us at the address on the front of this statement immediately if you think your statement or receipt is incorrect or if 

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We will investigate your complaint and will correct any error promptly. If we take more than 10 business days (or 20 business days for new 

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IN CASE OF ERRORS OR QUESTIONS ABOUT NON-ELECTRONIC FUNDS TRANSFERS: Contact us immediately if your statement is 

incorrect of if you need more Information about any non-electronic funds transfers on this statement. For more details, see your deposit account 

agreement or other applicable agreements that govern your account. 

JPMorgan Chase Bank, N.A. Member FDIC

LY 

CHASE $y 

January 

16, 2025 through February 

14, 2025 

JPMorgan Chase Bank, N.A. 

Columbus, OH 43218 -2051 

CUSTOMER SERVICE INFORMATION 

Web site: 

" Chase.com 

Service Center: 

1-800-235-9935 

00044713 DRE 021 141 04625 NNNNNNNNNNN T 

1 000000000 10 0000 

Para Espanol: 

1-877-312-4273 

NOBEL ATTO 

International Calls: 

1-713-262-1679 

OR ELHAM ATTO 

We accept operator relay calls 

30131 GRUENBURG DR 

WARREN MI 48092-3362 

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CHECKING SUMMARY 

Chase Total Checking 

AMOUNT 

Beginning Balance 

$0.45 

Deposits and Additions 

2,390.00 

Electronic Withdrawals 

-353.52 

Ending Balance 

$2,036.93

1: 

CHASE &F 

January 16, 2025 through February 

14, 2025 

Account Number: 

ELECTRONIC WITHDRAWALS 

DATE 

DESCRIPTION 

AMOUNT 

02/05 

02/05 Online Payment 23623914695 To Caesars Rewards Visa 

$76.06 

02/06 

Consumers Energy Energybill 100022624199 

Web 1D: 2380442310 

187.46 

02/06 

T-Mobile 

Handset 

8413317 

Tel ID: 0000450304 

90.00 

$353.52 

Total Electronic Withdrawals 

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this fee during any statement petiod. 

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Have electronic deposits made into this account totaling $500.00 or more, stich as payments from payroll 

providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or 

FedNows™ network, or (iii) third party services that facilitate payments to your debit card using the Visa or 

Mastercard network. 

(Your total electronic deposits this period were $2,390.00. Note: some deposits may be listed on your previous 

statement) 

s 

OR, keep a balance at the beginning of each day of $1,500.00 or more in this account. 

(Your lowest beginning day balance was $0.45) 

« 

OR, keep an average beginning day balance of $5,000.00 or more in qualifying linked deposits and 

investments. 

(Your average beginning day balance of qualifying linked deposits and investments was $779.97) 

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS: 

Call us al 1-866-564-2262 or write us at the address on the front of this statement immediately if you think your statement or receipt is incorrect or if 

you need more information about a transfer listed on the statement or receipt. 

For personal accounts only: We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error 

appeared. Be prepared to give us the following information: 

= 

Your name and account number; 

i) 

Co 

. 

i 

« 

 Adescription of the error or the transaction you are unsure about, and why you think it is an error or want more information; and 

] 

The amount of the suspected error. 

We will investigate your complaint and will correct any error promptly. 

If we take more than 10 business days (or 20 business days for new 

accounts) to do this, we will credit your account for the amount you 

think is in error so that you will have use of the money during the time It takes 

us to complete our investigation. 

For business accounts, see your deposit account agreement or other applicable agreements that govern your account for details. 

IN CASE OF ERRORS OR QUESTIONS ABOUT NON-ELECTRONIC FUNDS TRANSFERS: Contact us immediately if your statement is 

incorrect or if you need more information about any non-electronic funds transfers on this statement. For more details, see your deposit account 

agreement or other applicable agreements that govern your account. 

JPMorgan Chase Bank, N.A. Member FDIC

‘ 

(Em 

CHAS E =F 

February 15, 2025 through March 14, 2025 

JPMorgan Chase Bank, N.A. 

. 

P 0 Box 152051 

ocount err: | 

Columbus, OH 43218 - 2051 

CUSTOMER SERVICE INFORMATION 

Web site: 

'' 

Chase.com 

Service Center: 

1-800-935-9935 

00043853 DRE 021 141 07425 NNNNNNNNNNN T 

1 00000000010 0000 

Para Espanol: 

1-877-312-4273 

NOBEL ATTO 

International Calls: 

1-713-262-1679 

OR ELHAM ATTO 

We accept operator relay calls 

30131 GRUENBURG DR 

WARREN MI 48092-3362 

We're introducing new security measures for certain wire transfers when using our digital 

banking services 

To help protect your account, you may be required to use a trusted device to send certain wire transfers when using 

chase.com or the Chase Mobile® app.! Here are the key changes that will be effective May 8, 2025: 

s 

Use of Trusted Devices: You'll need io use a trusted device to send certain wire transfers using our digital banking 

services. A trusted device is a smartphone that has been enrolled with us based on specific criteria. 

o 

Enrolling a Device: You may already be using a trusted device. 

If not, you'll receive step-by-step instructions to 

make your device trusted the next time you initiate a wire transfer that requires it. You'll need to use a smartphone 

with the Chase Mobile® app installed and fulfill certain identification requirements, such as scanning and uploading a 

copy of your driver's license or state ID. 

» 

Restrictions on Wire Transfers: 

If you don't have a trusted device, you may not be able to add recipients or 

initiate certain wire transfers using our digital banking services. This won't affect your abifity to initiate wires at a 

Chase branch or J.P. Morgan Financial Center. 

Where to Find More Information 

These policy updates are effective May 8, 2025, and will be detailed in Section 3 of the Online Wire Transfer and Chase 

Global Transfer Services Addendum, which may appear as a separate agreement or as an Addendum to the Digital Services 

Agreement. 

You can review the new requirements in those agreements beginning February 20, 2025. Here's how to access them: 

» 

On chase.com: Log in to your account, click on the Main Menu, and select "Agreements & Disclosures.” 

o 

On the Chase Mobile® app: Go to "Legal Information” in Profile & Settings or at the bottom of the home page, then 

select "Legal Agreements and Disclosures." 

If you have any questions, please call the number listed on this statement. 

Chase Mobile® app is available for select mobile devices. Message and data rates may apply.

CHASE © 

February 15, 2025, 

h 14, 2025 

Account Number: 

CHECKING SUMMARY 

Chase Total Checking 

AMOUNT 

Beginning Balance 

$2,036.93 

Deposits and Additions 

4,190.00 

Electronic Withdrawals 

-1,965.89 

Other Withdrawals 

-3,000.00 

Ending Balance 

$1,261.04 

DEPOSITS AND ADDITIONS 

DATE 

DESCRIPTION 

AMOUNT 

02/19 

Stateofmichigan Pmt/Refund 

PPD 

$1,800.00 

03/03 

SSA Treas 310 

Xxsoc Sec 

PPD 

1,694.00 

03/03 

SSA Treas 310 

Xxsoc Sec 

PPD 

696.00" 

Total Deposits and Additions 

) 

$4,190.00 

[ELECTRONIC WITHDRAWALS 

DATE 

~~ DESCRIPTION 

AMOUNT 

02/18 

02/16 Online Payment 23749254434 To Costco Anywhere Card US 

$808.52 

08/03 

03/03 Payment To Chase Card Ending INI 

93.46 

03/03 

08/03 Online Payment 23922332029 To Consumers Energy 

173.89 

03/03 

03/03 Online Payment 23922428744 To T-Mobile 

80.00 

03/10 

03/08 Online Payment 23987406960 To Ann Laferty 

50.00 

03/12 

08/12 Online Payment 24027089698 To Costco Anywhere Card US 

750.02 

Total Electronic Withdrawals 

$1,965.89 

OTHER WITHDRAWALS 

DATE 

~~ DESCRIPTION 

AMOUNT 

02/24 

02/22 Withdrawal 

$3,000.00 

Total Other Withdrawals 

$3,000.00 

A Monthly Service Fee was not charged to your Chase Total Checking account. 

Here are the three ways you can avoid 

this fee during any statement period. 

s 

Have electronic deposits made into this account totaling $500.00 or more, such as payments from payroll 

providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or 

FedNowsM network, or (iii) third party services that facilitate payments to your debit card using the Visa or 

Mastercard network. 

(Your total electronic deposits this period were $4,180.00. Note: some deposits may be listed on your previous 

statement)

© 

CHASE 

February 15, 2025 through March 14, 2025 

Account Number: 

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS: 

Call us at 1-866-564-2262 or write us at the address on the front of this statement immediately if you think your statement or receipt is incorrect or if 

you need more information about a transfer listed on the statement or receipt, 

For personal accounts only: 

We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error 

appeared. Be prepared to give us the following information: 

* 

Your name and account number; 

i 

Co 

. 

y 

« 

 Adescription of the error or the transaction you are unsure about, and why you think it is an error or want more information; and 

» 

The amount of the suspected error. 

We will investigate your complaint and will correct any error promptly. 

If we take more than 10 business days (or 20 business days for new 

accounts) to do this, we will credit your account for the amount you think is in error so that you will have use of the money during the time it takes 

us to complete our investigation. 

For business accounts, see your deposit account agreement or other applicable agreements that govern your account for details. 

IN CASE OF ERRORS OR QUESTIONS ABOUT NON-ELECTRONIC FUNDS TRANSFERS: Contact us immediately if your statement is 

incorrect or if you need more information about any non-electronic funds transfers an this statement. For more details, see your deposit account 

agreement or other applicable agreements that govern your account. 

JPMorgan Chase Bank, N.A. Member FDIC

CHAS E O 

February 15, 2025 through March 14, 2025 

This Page Intentionally Left Blank

A 

= 

CH 

SE =f 

March 15, 2025 through April 14, 2025 

JPMorgan Chase Bank, N.A. 

P O Box 182051 

Account Number: 

Columbus, OH 43218 -2051 

CUSTOMER SERVICE INFORMATION 

Web site: 

Chase.com 

Service Center: 

1-800-935-8936 

00043401 DRE 021 141 10525 NNNNNNNNNNNT 1000000000 0 0000 

Para Espanol: 

1-877-312-4273 

NOBEL ATTO 

International Calls: 

1-713-262-1679 

OR ELHAM ATTO 

We accept operator relay calls 

30131 GRUENBURG DR 

WARREN Mi 48092-3362 

We’ve increased the amount we make available for certain check deposits 

As of March 23, 2025, in the cases where your full check deposit is not available on the first business day after your deposit, 

the minimum amount we make available on the first business day after you deposit a check increased from $225 to $275. As. 

a reminder, your receipt will always show the date when your deposit is expected to be available. 

For more details, including the reasons we may delay the full check deposit, please see our Funds Availability Policy, in 

Section |V of the Deposit Account Agreement which you can find at chase.com/disclosures. 

If you have any questions, pleass call the number listed on this statement. 

We're increasing the rush fee for replacement debit and ATM cards 

Starting June 22, 2025, a $15 fee will apply if you request express shipping of a replacement Chase debit or ATM card. 

Please know that you can still receive a replacement card at no cost through our regular mailing process. 

Access your replacement debit card sooner by adding it to your digital wallet 

of your debit card is already in your digital wallet, you'll typicaily be able to use your replacement debit card once it's 

issued. 

. 

«If you haven't added your debit card to your digital wallet yet, we highly recommend doing so. You can add your 

debit card to your digital wallet in the Chase Mobile® app. For more information, visit chase.com/digital-payments. 

Special Note: 

if you have a Chase Private Client Checking®™, Chase Sapphire Checking or Chase Private Client 

Savings®M account, the rush shipping fee will not apply. 

If you have any questions, please don't hesitate to call the number on this statement. We're here to help. 

Chase Mobile® app is available for select mobile devices. Message and data rates may apply. 

CHECKING SUMMARY 

Chase Total Checking

CHASE © 

March 15, 2025 

fi 

il 

Account Number: 

DEPOSITS AND ADDITIONS 

DATE 

DESCRIPTION 

AMOUNT 

04/03 

SSA Treas 310 

Xxsoc Sec 

PPD 

| 

$1,694.00 

04/03 

SSA Treas 310 

Xxsoc Sec 

PPD 

| 

696.00 

Total Deposits and Additions 

$2,390.00 

ELECTRONIC WITHDRAWALS 

DATE 

~~ DESCRIPTION 

AMOUNT 

08/18 

03/18 Online Payment 24095812232 To City of Warren Water 

$12.33 

08/25 

03/25 Payment To Chase Card Ending INI 

295.43 

03/27 

03/27 Online Payment 24196968105 To Consumers Energy 

169.17 

08/27 

03/27 Online Payment 24197912276 To Formula Green Lawn Spray 

42.95 

03/31 

03/29 Online Payment 24218782098 To T-Mobile 

90.00 

04/14 

04/14 Online Payment 24410828998 To Costco Anywhere Card US 

1,041.00 

Total Electronic Withdrawals 

$1,650.88 

OTHER WITHDRAWALS 

DATE 

DESCRIPTION 

AMOUNT 

04/07 

04/05 Withdrawal 

$2,000.00 

Total Other Withdrawals 

$2,000.00 

A Monthly Service Fee was not charged to your Chase Total Checking account. 

Here are the three ways you can avoid 

this fee during any statement period. 

o 

Have electronic deposits made into this account totaling $500.00 or more, such as payments from payroll 

providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or 

FedNowS™ network, or (iii) third party services that facilitate payments to your debit card using the Visa or 

Mastercard network. 

(Your total electronic deposits this period were $2,390.00. Note: some deposits may be listed on your previous 

statement) 

o 

OR, keep a balance at the beginning of each day of $1,500.00 or more in this account. 

° 

OR, keep an average beginning day balance of $5,000.00 or more in qualifying linked deposits and 

investments.

CHASE © 

March 15, 20: 25 through 

April 14, 2025 

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS: 

Call us at 1-866-564-2262 or write us at the address on the front of this statement immediately if you think your statement or receipt is incorrect or if 

you need more information about a transfer listed on the statement or receipt. 

For personal accounts only: 

We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error 

appeared. Be prepared to give us the following information: 

- 

Your name and account number; 

. 

. 

| 

© 

A description of the error or the transaction you are unsure about, and why you think it is an error or want more information; and 

° 

The amount of the suspected error, 

We will investigate your complaint and will correct any error promptly. 

If we take more than 

10 business days (or 20 business days for new 

accounts) to do this, we will provide provisional credil to your account for the amount you think is in error so that you will have usé of the money 

during the time it fakes us to complete our investigation. 

For business accounts, 

our practice is to follow the 

procedures described above as detailed in your Deposit Account Agreement or other 

applicable agreements, but we are not legally required 

to do so. For example, we reguire you to notify us no later than 30 days after we sent you 

the first statement on which the error appeared. 

We may require you to provide us with a written statement that the disputed transaction was 

unauthorized. We are also not required 

to give provisional credit. 

IN CASE OF ERRORS OR QUESTIONS ABOUT NON-ELECTRONIC FUNDS TRANSFERS: Contact us immediately if your statement is 

incorrect or if you need more information about any non-electronic funds transfers on this statement. For more details, see your Deposit Account 

Agreement or other applicable agreements that govern your account. 

JPMorgan Chase Bank, N.A. Member FDIC

CHASE © 

March 15, 2025 through April 14, 2025 

Account Number: 

This Page Intentionally Left Blank

CHASE © 

JPMorgan Chase Bank, N.A. 

P O Box 182051 

Columbus, OH 43218 -2051 

NOBEL ATTO 

OR ELHAM ATTO 

30131 GRUENBURG DR 

WARREN MI 48092-3362 

April 15, 202 

CUSTOMER SERVICE INFORMATION 

Web si te: 

Service Center: 

00043778 DRE 021 141 13525 NNNNNNNNNNN T 1000000000 10 0000 

Para E; 

International Calls: 

1-713-262-1679 

We accept operator relay calls 

spanol: 

Please review our overdraft service options at the end of this statement 

Chase.com 

1-800-935-9935 

1-877-312-4273 

We've included an overview of our overdraft services and fees that are available for personal checking accounts at the end 

of this statement. 

Please note, the following overdraft services are not available for certain accounts: 

o 

Standard Overdraft Practice and Chase Debit Card CoverageSM are. not available for Chase High School CheckingSM, 

Chase Secure Checking®™ and Chase First CheckingSM. 

’ 

o 

Overdraft Protection.is not available for Chase Secure Checking®™ and Chase First CheckingSM. 

If you have questions, please visit chase.com/overdraft or call us at the number on this statement. We accept operator 

relay calls. 

CHECKING SUMMARY 

Chase Total Checking 

Beginning Balance 

Deposits and Additions 

Electronic Withdrawals 

AMOUNT 

$0.16 

2,390.00 

-2,390.14 

Ending Balance 

$0.02 

DEPOSITS AND ADDITIONS 

DATE 

DESCRIPTION 

AMOUNT 

05/02 

SSA Treas 310 

Xxsoc Sec 

PPD ID: 

| $1,694.00 

05/02 

SSA Treas 310 

Xxsoc Sec 

PPD ID: 

696.00 

Total Deposits and Additions 

$2,390.00

CHAS E oO 

April 15, 2025 through May 14, 2025 

ELECTRONIC WITHDRAWALS] (continued) 

DATE 

DESCRIPTION 

AMOUNT 

05/02 

05/02 Online Payment 24623759245 To The Home Depot Home Improvement 

187.59 

05/09 

05/09 Online Payment 24708314216 To Elham Atlo 

124.04 

05/12 

05/11 Online Payment 24728771186 To Costco Anywhere Card US 

1,298.00 

Total Electronic Withdrawals 

$2,390.14 

A Monthly Service Fee was not charged to your Chase Total Checking account. Here are the three ways you can avoid 

this fee during any statement period. 

+ 

Have electronic deposits made into this account totaling $500.00 or more, such as payments from payrofl 

providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or 

FedNow®™ network, or (iii) third party services that facilitate payments to your debit card using the Visa or 

Mastercard network. 

(Your total electronic deposits this period were $2,390.00. Note: some deposits may be listed on your previous 

statement) 

o 

OR, keep a balance at the beginning of each day of $1,500.00 or more in this account. 

» 

OR, keep an average beginning day balance of $5,000.00 or more in qualifying linked deposits and 

investments. 

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS: 

Call us at 1-866-564-2262 or write us at the address on the front of this siatement immediately if you think your statement or receipt is incorrect or if 

you need more information about a transfer listed on the statement or receipt. 

For personal accounts only: We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error 

appeared. Be prepared to give us the following information: 

* 

Your name and account number; 

| 

s 

 Adescription of the error or the transaction you are unsure about, and why you think it is an error or want more information; and 

° 

The amount of the suspected error. 

We will investigate your complaint and will correct any error promptly. 

If we take more than 

10 business days {or 20 business days for new 

accounts) to do this, we will provide 

provisional credif to your account for the amount you think is in error so that you will have use of the money 

during the time it takes us to complete our investigation. 

For business accounts, 

our practice is to follow the rocedures described above as detailed in your Deposit Account Agreement or other 

applicable agreements, but we are not legally required 

to do so. For example, we reguire you to notify us no later ihan 30 days after we sent you 

{he first statement on which the error appeared. 

‘© may require you to provide us with a written statement that the disputed transaction was 

unauthorized. We are also not required 

fo give provisional credit. 

IN CASE OF ERRORS OR QUESTIONS ABOUT NON-ELECTRONIC FUNDS TRANSFERS: Contact us immediately if your statement is 

incorrect or if you need more information about any non-electronic funds transfers on this statement. For more details, sée your Deposit Account 

Agreement or other applicable agreements that govern your account. 

JPMorgan Chase Bank, N.A. Member FDIC

LY 

CHASE Ly 

April 15, 2025 

Account Number: I 

Overdraft and Overdraft Fee Information for Your Chase Checking Account 

What You Need to Know About Overdrafts and Overdraft Fees 

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. 

Whether your account has enough money to cover a transaction is determined during our nightly processing. During our 

nightly processing, we take your previous end of day's balance and post credits. 

If there are any deposits not yet available 

for use or holds (such as a garnishment), these will reduce the account balance used to pay your transactions. Then we 

subtract any debit transactions presented during our nightly processing. The available balance shown to you during the day 

may not be the same amount used to pay your transactions as some transactions may not be displayed to you before nightly 

processing. 

Wea pay overdrafts at our discretion, which means we do not guarantee that we will always authorize or pay any transactions 

presented for payment. 

if we do not authorize an overdraft, your transaction will be declined. 

if we do not pay an overdraft, 

your fransaction will be returned. Additional information about overdrafts and your account features can be found in 

the Deposit Account Agreement. 

We can cover your overdrafts in three different ways: 

1. 

We have a Standard Overdraft Practice that comes with your account. 

2. 

We offer Overdraft Protection through a link to a Chase savings account, which may be less expensive than our 

Standard Overdraft Practice. You can contact us to learn more. 

3. 

We also offer Chase Debit Card CoverageSM, which allows you to choose how we treat your everyday debit card 

transactions (e.g. groceries, gasoline or dining out), in addition to our Standard Overdraft Practice. 

This notice explains our Standard Overdraft Practice and Chase Debit Card Coverage. 

e 

What is the Standard Overdraft Practice that comes with my account? 

We do authorize and pay overdrafts for the following types of transactions: 

e 

Checks and other transactions made using your checking account number 

« 

Recurring debit card transactions (e.g. movie subscriptions or gym memberships) 

e¢ 

What is Chase Debit Card Coverage? 

If you enroll in Chase Debit Card Coverage we may authorize and pay overdrafts for everyday debit card 

transactions (e.g. groceries, gasoline or dining out) in addition to our Standard Overdratt Practice. 

e 

What fees will 

| be charged if Chase pays my overdraft? 

If we authorize and pay an overdraft, we'll charge you a $34 Overdraft Fee per transaction during our nightly 

processing beginning with the first transaction that overdraws your account balance by more than $50 {maximum of 

3 fees per business day, up to $102). 

We won't charge you an Overdraft Fee in the following circumstances: 

« 

With Chase Overdraft AssistS™, we won't charge an Overdraft Fee 

if you're overdrawn by $50 or less at the end 

of the business day OR if you're overdrawn by more than $50 and you bring your account balance to overdrawn 

by $50 or less at the end of the next business day {you have until 11 p.m ET (8 p.m PT) to make a deposit or 

transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking 

accounts. 

We won't charge an Overdraft Fee for transactions that are $5 or less.

CHASE © 

April 15, 2025 through May 14, 2025 

Account Number] 

This Page intentionally Left Blank

= 

CHAS E ~a 

May 15, 2025 through June 13, 2025 

JPMorgan Chase Bank, N.A. 

P O Box 182051 

Columbus, OH 43218 - 2051 

Account Number: 

CUSTOMER SERVICE INFORMATION 

Web site: 

Chase.com 

Service Center: 

1-800-935-9935 

00043223 DRE 021 141 16525 NNNNNNNNNNN T 1000000000 10 0000 

Para Espanol: 

1-877-312-4273 

NOBEL ATTO 

International Calls: 

1-713-262-1679 

OR ELHAM ATTO 

We accept operator relay calls 

30131 GRUENBURG DR 

WARREN MI 48092-3362 

Important update about your Chase Total Checking® Monthly Service Fee 

Beginning August 24, 2025, the Monthly Service Fee for Chase Total Checking will change to $15, however you can 

continue to pay a $0 Monthly Service Fee when you meet one of the ways listed below to have it waived. 

How to have your Monthly Service Fee waived: 

$0 Monthly Service Fee when you have any ONE of the following during each monthly statement period: 

o 

Electronic deposits’ made into this account totaling $500 or more 

s+ 

OR, a balance at the beginning of each day of $1,500 or more in this account 

» 

OR, an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying 

deposits¥investments®. 

Maximize the benefits of your Chase Total Checking account, which include: 

s 

Convenience — Enjoy access to more than 15,000 fee-free Chase ATMs and the ability to meet with a banker at 

nearly 5,000 branches, with the only bank to have branches in all lower 48 states. Also, bank virtually anytime, 

anywhere with the Chase Mobile® app* and use Zells®® as a fast and easy way to send and receive money with 

people you know and trust who have an eligible account at a participating U.S. bank. 

+ 

Security — Receive identity monitoring and check your credit score for free with Credit Journey®. With Zero Liability 

Protection get reimbursed for unauthorized debit card transactions when reported promptly®. 

e 

Money saving benefits — Earn cash back with Chase Offers when you activate deals on great brands and pay with 

your Chase debit card. 

If you have questions, you can schedule a meeting with a banker at chase.com/meeting or call us at the number on this 

statement. You can also find information in the Additional Banking Services and Fees disclosure at chase.com/disclosures. 

1 Such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or 

FedNow™™ network, or (iii) third party services that facilitate payments to your debit card using the Visa © or Mastercard® network. 

2 Qualifying personal deposits include Chase First Checking SM accounts, personal Chase savings accounts (excluding Chase Premier 

Savings™, and Chase Private Client Savings My, CDs, certain Chase Retirement CDs, or certain Chase Retirement Money Market Accounts.

LN 

CHAS E Ln 

May 15, 2025 through June 13, 2025 

Zelle® is intended for payments fo recipients you know and trust and is not intended for the purchase of goods from retailers, online marketplaces 

or through social media posts. Neither Zele® nor Chase provide protection If you make a purchase of goods using Zelle © and then do not receive 

them or receive them damaged or not as described or expected. In case of errors or questions about your electronic funds transfers, including 

information on reimbursement for fraudulent Zelle® payments, see your account agreement. Neither Chase nor Zelle ® offers reimbursement for 

authorized payments you make using Zelle®, except for a limited reimbursement program that applies for certain imposter scams where you sent 

money with Zelle®, This reimbursement program is not required by law and may be modified or discontinued at any time. 

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 

6 Zero Liability: Chase will reimburse unauthorized debit card transactions when reported promptly. Certain fimitations apply. See Deposit 

Account Agreement for details. 

CHECKING SUMMARY 

Chase Total Checking 

AMOUNT 

Beginning Balance 

$0.02 

Deposits and Additions 

2,390.00 

Electronic Withdrawals 

-612.12 

Ending Balance 

$1,777.90 

DEPOSITS AND ADDITIONS 

DATE 

DESCRIPTION 

AMOUNT 

06/03 

SSA Treas 310 

Xxsoc Sec 

PPDID: 

$1,694.00 

06/03 

SSA Treas 310 

Xxsoc Sec 

PPD iD: 

696.00 

Total Deposits and Additions 

$2,390.00 

ELECTRONIC WITHDRAWALS 

DATE 

DESCRIPTION 

AMOUNT 

06/03 

06/03 Payment To Chase Card Ending IN Jl] 

$239.45 

06/04 

Consumers Energy Energybill 100022624199 

Web ID: 2380442310 

37.72 

06/04 

T-Mobile 

Handset 

2519545 

Tel ID: 0000450304 

70.00 

06/05 

Comenity Pay Ur Web Pymt 

P25155443000409 Web ID: 1133163498 

222.00 

06/09 

06/09 Online Payment 25067916466 To T And J Inc. 

For Spraying Crass 

42.95 

Total Electronic Withdrawals 

$612.12 

A Monthly Service Fee was not charged to your Chase Total Checking account. 

Here are the three ways you can avoid 

this fee during any statement period. 

o 

Have electronic deposits made into this account totaling $500.00 or more, such as payments from payroll 

providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or 

FedNowS™ network, or (iil) third party services that facilitate payments to your debit card using the Visa or 

Mastercard network. 

(Your hes electronic deposits this period were $2,390.00. Note: some deposits may be listed on your previous 

statement

EB 

CHASE Cl 

May 15, 2025 through June 

Account Number: 

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS: 

Call us at 1-866-564-2262 or write us at the address on the front of this statement immediately if you think your statement or receipt is incorrect or if 

you need more information about a transfer listed on the statement or receipt. 

For personal accounts only: 

We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error 

appeared. Be prepared to give us the following information: 

e 

Your name and account number; 

| 

CL 

| 

. 

A description of the error or the transaction you are unsure about, and why you think it is an error or want more information; and 

° 

The amount of the suspected error. 

We will investigate your complaint and will correct any error promptly. 

If we take more than 

10 business days (or 20 business days for new 

accounts) to do this, we will provide 

provisional credit to your account for the amount you think is in error so that you will have use of the money 

during the time it takes us to complete our investigation. 

For business accounts, 

our practice is to follow the 

procedures described above as detailed in your Deposit Account Agreement or other 

applicable agreements, but we are not legally fequire 

to do so. For example, we require you to notify us no later than 30 days after we sent you 

the first statement on which the error appeared. 

'e may require you to provide us with a written statement that the disputed transaction was 

unauthorized, We are also not required 

to give provisional credit. 

IN CASE OF ERRORS OR QUESTIONS ABOUT NON-ELECTRONIC FUNDS TRANSFERS: Contact us immediately if your statement is 

incorrect or if you need more information about any non-electronic funds transfers on this statement. For more details, see your Deposit Account 

Agreement or other applicable agreements that govern your account. 

JPMorgan Chase Bank, N.A. Member FDIC

CHASE € 

May 15, 2025 fi 

Account Number: 

This Page Intentionally Left Blank

CHAS E $ 

June 14, 202 

JPMorgan Chase Bank, N.A. 

hy 

5 th 

P O Box 182051 

Account Number: 

Columbus, OH 43218 -2051 

CUSTOMER SERVICE INFORMATION 

Web site: 

Chase.com 

Service Center: 

1-800-935-0935 

00045734 DRE 021 141 19725 NNNNNNNNNNN T 1000000000 10 0000 

Para Espanol: 

1-877-312-4273 

NOBEL ATTO 

International Calls: 

1-713-262-1679 

OR ELHAM ATTO 

We accept operator relay calls 

30131 GRUENBURG DR 

WARREN Mi 48092-3362 

We're making changes to help better protect your account 

1. 

You may be required to use a trusted device for certain account and digital services 

Starting September 21, 2025, you may need to use a trusted device to manage your account and digital profile, 

access or use certain account product and services (including certain wire transfers), make certain payments and 

transfers, or to provide authentication or approvals. 

A trusted device is a smartphone that has been enrolled with us 

based on specific criteria. 

You may need to enroll a device 

You may already be using a trusted device. If not, you'll receive instructions to make your device trusted the next 

time you try to perform an action that requires it. 

For more details, please see the Amendment in the Deposit Account Agreement and the new Section V. D. Using 

trusted devices. 

2, 

How we treat third-party endorsed check deposits is changing 

A third-party endorsed check is a check that was originally payable to another person/entity that you attempt to 

deposit or cash, Beginning September 1, 2025, we may not accept a third-party check for deposit or to cash or we 

may require verification of endorsements. 

If we refuse a deposit, we may return the check or provide a substitute 

check to you. 

You can find this update in Section Ili. A. Our rights and responsibilities for deposits. 

, at chase.com/disclosures. If

CHASE © 

CHECKING SUMMARY 

Chase Total Checking 

June 14, 2025 

Account Number: 

AMOUNT 

Beginning Balance 

$1,777.90 

Deposits and Additions 

2,390.00 

Electronic Withdrawals 

-4,063.63 

Ending Balance 

$104.27 

DEPOSITS AND ADDITIONS 

DATE 

DESCRIPTION 

AMOUNT 

07/03 

SSA Treas 8310 

Xxsoc Sec 

PPD ID: 

$1,694.00 

07/03 

SSA Treas 310 

Xxsoc Sec 

PPD ID: 

696.00 

Total Deposits and Additions 

$2,390.00 

ELECTRONIC WITHDRAWALS] 

DATE 

~~ DESCRIPTION 

AMOUNT 

06/16 

06/15 Online Payment 25139611160 To Costco Anywhere Card US 

$777.90 

06/16 

06/16 Online Payment 25154280205 To City of Warren Water 

6.16 

06/17 

06/17 Online Payment 25166257828 To Costco Anywhere Card US 

893.73 

07/03 

07/03 Online Payment 25351954160 To Costco Anywhere Card US 

1,000.00 

07/03 

07/03 Online Payment 25352187603 To Dte Energy 

160.00 

07/03 

07/03 Payment To Chase Card Ending IN 

329.64 

07/03 

07/03 Online Payment 25352243332 To Consumers Energy 

70.00 

07/03 

07/03 Online Payment 25352177950 To T-Mobile 

60.00 

07/03 

07/03 Online Payment 25352916425 To Dte Energy 

0.98 

07/10 

07/09 Online Payment 25427158627 To Caesars Rewards Visa 

129.20 

07/14 

07/12 Online Payment 25462464102 To Costco Anywhere Card US 

636.02 

Total Electronic Withdrawals 

$4,063.63 

A Monthly Service Fee was not charged to your Chase Total Checking account. 

Here are the three ways you can avoid 

this fee during any statement period. 

o 

Have electronic deposits made into this account totaling $500.00 or more, such as payments from payroll 

providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or 

FedNow®M network, or (iii) third party services that facilitate payments to your debit card using the Visa or 

Mastercard network. 

(Your oe electronic deposits this period were $2,390.00. Note: some deposits may be listed on your previous 

statement 

o 

OR, keep a balance at the beginning of each day of $1,500.00 or more in this account. 

e 

OR, keep an average beginning day balance of $5,000.00 or more in qualifying linked deposits and 

investments.

(ER 

- CHAS E Ln 

June 14, 2025 through July 15, 2025 

Account Number: 

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS: 

Call us at 1-866-564-2262 or write us at the address on the front of this statement immediately if you think your statement or receipt is incorrect or if 

you need more information about a transfer listed on the statement or receipt. 

For personal accounts only: We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error 

appeared. Be prepared to give us the following information: 

e 

Your name and account number; 

N 

Co 

. 

) 

« 

 Adescription of the error or the transaction you are unsure about, and why you think it is an error or want mare information; and 

e 

The amount of the suspected error. 

We will investigate your complaint and wiil correct any error promptly. 

If we take more than 10 business days (or 20 business days for new 

accounts) to do this, we will provide provisional credif to your account for the amount you think is in error so that you will have use of the money 

during the time it takes us to complete our investigation. 

For business accounts, 

our practice is to follow the 

procedures described above as detailed in your Deposit Account Agreement or other 

applicable agreements, but we are not legally required 

to do so. For example, we require you to notify us no later than 30 days after we sent you 

the first statement on which the error ap eared. 

We may require you to provide us with a written statement that the disputed transaction was 

unauthorized. We are also not required 

to give provisional credit. 

IN CASE OF ERRORS OR QUESTIONS ABOUT NON-ELECTRONIC FUNDS TRANSFERS: Contact us immediately if your statement is 

incorrect or if you need more information about any non-electronic funds transfers on this statement. For more details, see your Deposit Account 

Agreement or other applicable agreements that govern your account. 

JPMorgan Chase Bank, N.A. Member FDIC

CHASE 

June 14, 2025 through July 15, 2025 

Account Number: 

This Page Intentionally Left Blank

CHASE (wr) 

July 16,2025 t 

wy 

hrough August 14, 2025 

JPMorgan Chase Bank, N.A. 

i 

P O Box 182051 

Account Number: 

Columbus, OH 43218 -2051 

CUSTOMER SERVICE INFORMATION 

Web site: 

Chase.com 

. 

Service Center: 

1-800-935-9935 

00042906 DRE 021 141 22725 NNNNNNNNNNN T 

1 000000000 10 0000 

Para Espanol: 

1-877-312-4273 

NOBEL ATTO 

International Calls: 

1-713-262-1679 

OR ELHAM ATTO 

We accept operator relay calls 

30131 GRUENBURG DR 

WARREN MI 48092-3362 

CHECKING SUMMARY 

Chase Total Checking 

AMOUNT 

Beginning Balance 

$104.27 

Deposits and Additions 

2,390.00 

Electronic Withdrawals 

-1,753.11 

Other Withdrawals 

-641.00 

Ending Balance 

$100.16 

DEPOSITS AND ADDITIONS 

DATE 

DESCRIPTION 

AMOUNT 

08/01 

SSA Treas 310 

Xxsoc Sec 

PPDI 

1 $1,694.00 

08/01 

SSA Treas 310 

Xxsoc Sec 

PPD 

| 

| 696.00 

Total Deposits and Additions 

$2,390.00 

[ELECTRONIC WITHDRAWALS] 

DATE 

~~ DESCRIPTION 

AMOUNT 

07/21 

07/19 Online Payment 25544860300 To City of Warren Water 

$15.60 

08/01 

08/01 Online Payment 25692382920 To T-Mobile 

100.00 

08/01 

08/01 Online Payment 25692405927 To Consumers Energy 

52.29 

08/04 

08/04 Online Payment 25731896871 To The Home Depot Home Improvement 

261.72 

08/11 

08/11 Online Payment 25817121860 To Costco Anywhere Card US 

1,323.50 

Total Electronic Withdrawals 

$1,753.11 

OTHER WITHDRAWALS

CHASE Ch 

July 16, 2025 4 

f 

(Your total electronic deposits this period were $2,390.00. Note: some deposits may be listed on your previous 

statement) 

OR, keep a balance at the beginning of each day of $1,500.00 or more in this account. 

OR, keep an average beginning day balance of $5,000.00 or more in qualifying linked deposits and 

investments. 

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS: 

Call us at 1-866-564-2262 or write us at the address on the front of this statement immediately if you think your statement or receipt is incorrect or if 

you need more information about a transfer listed on the statement or receipt. 

. 

For personal accounts only: We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error 

appeared. Be prepared to give us the following information: 

o 

Your name and account number; 

| 

Co 

. 

| 

» 

A description of the error or the transaction you are unsure about, and why you think it is an error or want more information; and 

® 

The amount of the suspected error. 

We will investigate your complaint and will correct any error promptly. 

If we take more than 

10 business days (or 20 business days for new 

accounts) to do this, we will provide provisional credit to your account for the amount you think is in error so that you will have use of the money 

during the time it takes us to complete our investigation. 

For business accounts, 

our practice is to follow the Procedures described above as detailed in your Deposit Account Agreement or other 

applicable agreements, but we are not legally feguire 

to do so. For example, we require you to notify us no later than 30 days after we sent you 

the first statement on which the error a peared. 

'e may require you to provide us with a written statement that the disputed transaction was 

unauthorized. We are also not required 

to give provisional credit. 

IN CASE OF ERRORS OR QUESTIONS ABOUT NON-ELECTRONIC FUNDS TRANSFERS: Contact us immediately if your statement is 

incorrect or if you need more information about any non-electronic funds transfers on this statement. For more details, see your Deposit Account 

Agreement or other applicable agreements that govern your account. 

JPMorgan Chase Bank, N.A. Member FDIC

CHASE © 

JPMorgan Chase Bank, N.A. 

P O Box 182051 

Columbus, OH 43218 -2051 

00044132 DRE 021 141 25925 NNNNNNNNNNN T 1000000000 10 0000 

NOBEL ATTO 

OR ELHAM ATTO 

30131 GRUENBURG DR 

WARREN MI 48092-3362 

August 15, 2025 through September 15, 2025 

Account Number: 

CUSTOMER SERVICE INFORMATION 

Web site: 

Chase.com 

Service Center: 

1-800-935-9935 

Para Espanol: 

1-877-312-4273 

International Calls: 

1-713-262-1679 

We accept operator relay calls 

CHECKING SUMMARY 

Chase Total Checking 

AMOUNT 

Beginning Balance 

$100.16 

Deposits and Additions 

2,390.00 

Electronic Withdrawals 

-2,217.79 

Other Withdrawals 

-200.00 

Ending Balance 

$72.37 

DEPOSITS AND ADDITIONS 

DATE 

DESCRIPTION 

AMOUNT 

09/03 

SSA Treas 310 

Xxsoc Sec 

PPD 

1$1,694.00 

09/03 

SSA Treas 810 

Xxsoc Sec 

PPD 

| 

| 696.00 

Total Deposits and Additions 

$2,390.00 

[ELECTRONIC WITHDRAWALS] 

DATE 

~~ DESCRIPTION 

AMOUNT 

08/19 

08/19 Online Payment 25904555488 To City of Warren Water 

$87.81 

09/03 

09/03 Online Payment 26086731982 To Consumers Energy 

66.26 

09/03 

09/08 Payment To Chase Card Ending INI 

139.27 

09/03 

09/03 Online Payment 26086768913 To T-Mobile 

100.00 

09/08 

09/07 Online Payment 26139916930 To Costco Anywhere Card US 

1,634.84 

09/08 

09/07 Payment To Chase Card Ending IN 

158.60 

09/11 

09/11 Online Payment 26181811782 To Costco Anywhere Card US 

31.01 

Total Electronic Withdrawals 

$2,217.79

CN 

CHAS E SF 

August 15, 2025 through September 15, 2025 

ooo! me I 

FedNowSM network, or (iif) third party services that facilitate payments to your debit card using the Visa or 

Mastercard network. 

(Your total electronic deposits this period were $2,390.00. Note: some deposits may be listed on your previous 

statement) 

OR, keep a balance at the beginning of each day of $1,500.00 or more in this account. 

OR, keep an average beginning day balance of $5,000.00 or more in qualifying linked deposits and 

investments. 

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS: 

Call us at 1-866-564-2262 or write us at the address on the front of this statement immediately if you think your statement or receipt is incorrect or if 

you need more information about a transfer listed on the statement or receipt. 

For personal accounts only: 

We must hear from you no later than 60 days after we sent you the FIRST statement on which ihe problem or error 

appeared. Be prepared fo give us the following information: 

+ 

Your name and account number; 

y 

Co 

. 

| 

« 

 Adescription of the error or the transaction you are unsure about, and why you think it is an error or want more information; and 

+ 

The amount of the suspected error. 

We will investigate your complaint and will correct any error promptly. 

If we take more than 

10 business days (or 20 business days for new 

accounts) to do this, we will provide 

provisional credit to your account for the amount you think is in error so that you will have use of the money 

during the time it takes us to complete our investigation. 

For business accounts, 

our practice is to follow the procedures described above as detailed in your Deposit Account Agreement or other 

applicable agreements, but we are not legally required 

fo do so. For example, we require you to notify us rio later than 30 days after we sent you 

the first statement on which the error appeared. 

'e may require you to provide us with a written statément that the disputed transaction was 

unauthorized. We are also not required 

to give provisional credit. 

IN CASE OF ERRORS OR QUESTIONS ABOUT NON-ELECTRONIC FUNDS TRANSFERS: Contact us immediately if your statement is 

incorrect or if you need more information about any non-electronic funds transfers on this statement. For more details, see your Deposit Account 

Agreement or other applicable agreements that govern your account. 

JPMorgan Chase Bank, N.A. Member FDIC

a 

= 

CH AS E O 

September 16, 2025 through October 15, 2025 

JPMorgan Chase Bank, N.A. 

N 

P O Box 182051 

Account Number: [ 

Columbus, OH 43218 -2051 

CUSTOMER SERVICE INFORMATION 

Web site: 

Chase.com 

Service Center: 

1-800-935-9935 

00044160 DRE 021 141 28925 NNNNNNNNNNN T 1000000000 10 0000 

Para Espanol: 

1-877-312-4273 

NOBEL ATTO 

International Calls: 

1-713-262-1679 

OR ELHAM ATTO 

We accept operator relay calls 

30131 GRUENBURG DR 

WARREN MI 48092-3362 

Please review our overdraft service options at the end of this statement 

We've included an overview of our overdraft services and fees that are available for personal checking accounts at the end 

of this statement. 

Please note, the following overdraft services are not available for certain accounts: 

o 

Standard Overdralit Practice and Chase Debit Card Coverage®M are not available for Chase High School CheckingM, 

Chase Secure Checking®™ and Chase First CheckingS™. 

o 

Overdraft Protection is not available for Chase Secure Checking and Chase First CheckingS™. 

If you have questions, please visit chase.com/overdraft or call us at the number on this statement. We accept operator 

relay calls. 

CHECKING SUMMARY 

Chase Total Checking 

AMOUNT 

Beginning Balance 

$72.37 

Deposits and Additions 

2,940.00 

Electronic Withdrawals 

-2,070.94 

Other Withdrawals 

-550.00 

Ending Balance 

$391.43 

DEPOSITS AND ADDITIONS 

DATE 

DESCRIPTION 

AMOUNT 

09/23 

Deposit 

2157328358 

10/03 

SSA Treas 310 

Xxsoc Sec 

PPD ID: 

11,694.00 

10/03 

SSA Treas 310 

Xxsoc Sec 

PPD TN 

| 

696.00

CHASES) 

September 16, 2025 through October 15, 2025 

Reeeumi Humber ] 

ELECTRONIC WITHDRAWALS 

DATE 

~~ DESCRIPTION 

AMOUNT 

09/18 

09/18 Online Payment 26269146189 To City of Warren Water 

$67.81 

10/03 

__10/03 Payment To Chase Card Ending INI 

135.91 

10/03 

10/03 Online Payment 26450112704 To T-Mobile 

100.00 

10/08 

10/03 Online Payment 26450441355 To Consumers Energy 

69.76 

10/14 

10/11 Online Payment 26557974234 To Costco Anywhere Card US 

1,590.46 

10/14 

State of Mich 

Sos Eserv_043000094169660 Web 1D: 9044030366 

107.00 

Total Electronic Withdrawals 

$2,070.94 

OTHER WITHDRAWALS 

DATE 

DESCRIPTION 

AMOUNT 

09/23 

09/23 Withdrawal 

$550.00 

Total Other Withdrawals 

$550.00 

A Monthly Service Fee was not charged to your Chase Total Checking account. Here are the three ways you can avoid 

this fee during any statement period. 

« 

Have electronic deposits made into this account totaling $500.00 or more, such as payments from payroll 

providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or 

FedNow®™ network, or (iii) third party services that facilitate payments to your debit card using the Visa or 

Mastercard network. 

(Your oa electronic deposits this period were $2,390.00. Note: some deposits may be listed on your previous 

statement 

o 

OR, keep a balance at the beginning of each day of $1,500.00 or more in this account. 

+ 

OR, keep an average beginning day balance of $5,000.00 or more in qualifying linked deposits and 

investments. 

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS: 

Call us at 1-866-564-2262 or write us at the address on the front of this statement immediately if you think your statement or receipt is incorrect or if 

you need more information about a transfer listed on the statement or receipt. 

For personal accounts only: We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error 

appeared. Be prepared fo give us the following information: 

* 

Your name and account number; 

Co 

° 

A description of the error or the transaction you are unsure about, and why you hink it is an error or want more information; and 

. 

The amount of the suspected error. 

We will investigate your complaint and will correct any error prompily. 

If we take more than 10 business days (or 20 business days for new 

accounts) to do this, we will provide 

provisional credit to your account for the amount you think is in error so that you will have use of the money 

during the time it takes us to complete our investigation. 

For business accounts, our practice is to follow the 

procedures described above as detailed in your Deposit Account Agreement or other 

applicable agreements, but we are not legally required 

fo do so. For example, we require you fo notify us no later than 30 days after we sent you

- 

® 

. 

GMASE Ly 

September 16, 2028"hrough October 15, 2025 

Account Number: 

Overdraft and Overdraft Fee Information for Your Chase Checking Account 

What You Need to Know About Overdrafts and Overdraft Fees 

An overdraft occurs when you do not have enough money in your account io cover a transaction, but we pay it anyway. 

Whether your account has enough money to cover a transaction is determined during our nightly processing. During our 

nightly processing, we take your previous end of day's balance and post credits. If there are any deposits not yet available 

for use or holds (such as a garnishment), these will reduce the account balance used to pay your transactions. Then we 

subtract any debit transactions presented during our nightly processing. The available balance shown to you during the day 

may not be the same amount used to pay your transactions as some transactions may not be displayed to you before nightly 

processing. 

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize or pay any transactions 

presented for payment. 

If we do not authorize an overdraft, your transaction will be declined. 

If we do not pay an overdraft, 

your transaction will be retumed. Additional information about overdraits and your account features can be found in 

the Deposit Account Agreement. 

We can cover your overdrafts in three different ways: 

1. 

We have a Standard Overdraft Practice that comes with your account. 

2. 

We offer Overdraft Protection through a link to a Chase savings account, which may be less expensive than our 

Standard Overdraft Practice. You can contact us to learn more. 

3. 

We also offer Chase Debit Card CoverageSM, which allows you to choose how we treat your everyday debit card 

transactions (e.g. groceries, gasoline or dining out), in addition to our Standard Overdraft Practice. 

This notice explains our Standard Overdraft Practice and Chase Debit Card Coverage. 

What is the Standard Overdraft Practice that comes with my account? 

We do authorize and pay overdralts for the following types of transactions: 

e 

Checks and other transactions made using your checking account number 

s 

Recurring debit card transactions (e.g. movie subscriptions or gym memberships) 

© 

What Is Chase Debit Card Coverage? 

If you enroll in Chase Debit Card Coverage we may authorize and pay overdralts for everyday debit card 

transactions (e.g. groceries, gasoline or dining out) in addition to our Standard Overdraft Practice. 

o 

What fees will 

I be charged if Chase pays my overdraft? 

If we authorize and pay an overdrafl, we'll charge you a $34 Overdraft Fee per transaction during our nightly 

processing beginning with the first transaction that overdraws your account balance by more than $50 (maximum of 

3 fees per business day, up to $102). 

We won't charge you an Overdrait Fee in the following circumstances: 

e 

With Chase Overdraft AssistS™, we won't charge an Overdraft Fee if you're overdrawn by $50 or less at the end 

of the business day OR if you're overdrawn by more than $50 and you bring your account balance to overdrawn 

by $50 or less at the end of the next business day (you have until 11 p.m ET (8 p.m PT) to make a deposit or 

transfer). Chase Overdraft Assist does not require enroliment and comes with eligible Chase checking 

accounts. 

We won't charge an Overdraft Fee for transactions that are $5 or less.

CHASE $ 

September 16, 2025 through October 15, 2025 

This Page Intentionally Left Blank

(I 

CHASE &P 

October 

16, 2025 through November 17, 2025 

P O Box 182051 

Account Number 

Columbus, OH 43218 -2051 

CUSTOMER SERVICE INFORMATION 

Web site: 

Chase.com 

Service Center: 

1-800-935-9935 

00039443 DRE 021 141 32225 NNNNNNNNNNN T 1000000000 10 0000 

Para Espanol: 

1-877-312-4273 

NOBEL ATTO 

International Calls: 

1-713-262-1679 

OR ELHAM ATTO 

We accept operator relay calls 

30131 GRUENBURG DR 

WARREN MI 48092-3362 

CHECKING SUMMARY 

Chase Total Checking 

AMOUNT 

Beginning Balance 

$391.43 

Deposits and Additions 

2,390.00 

Electronic Withdrawals 

-1,772.54 

Ending Balance 

$1,008.89 

DEPOSITS AND ADDITIONS 

DATE 

DESCRIPTION 

AMOUNT 

11/03 

SSA Treas 310 

Xxsoc Sec 

PPD A 

1$1,694.00 

11/03 

SSA Treas 310 

_Xxsoc Sec 

PPD ID 

| 

696.00 

Total Deposits and Additions 

$2,390.00 

[ELECTRONIC WITHDRAWALS] 

DATE 

~~ DESCRIPTION 

AMOUNT 

10/20 

10/18 Online Payment 26640990510 To City of Warren Water 

$7.85 

10/24 

10/24 Online Payment 26707363413 To Discover Card 

54.20 

10/27 

10/26 Payment To Chase Card Ending INI 

68.18 

10/28 

10/28 Online Payment 26749080162 To Consumers Energy 

104.33 

10/31 

 T-Mobile.Com 

Pcs Sve 

8919510 

Web ID: 0000450304 

100.00 

11/05 

11/05 Online Payment 26851495217 To The Home Depot Home Improvement 

1,437.98 

Total Electronic Withdrawals 

$1,772.54 

A Monthly Service Fee was not charged to your Chase Total Checking account. 

Here are the three ways you can avoid

CHAS E L 

October 16, 2025 th: 

Account Number: [ 

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS: 

Call us at 1-866-564-2262 or write us at the address on the front of this statement immediately if you think your statement or receipt is incorrect or if 

you need more information about a transfer listed on the statement or receipt. 

For personal accounts only: We must hear from you no later than 60 days afier we sent you the FIRST statement on which the problem or error 

appeared. Be prepared to give us the following information: 

. 

Your name and account number; 

i 

e 

 Adescription of the error or the transaction you are unsure about, and why you think it is an error or want more information; and 

. 

The amount of the suspected error. 

We will investigate your complaint and will correct any error promptly. 

If we take more than 10 business days (or 20 business days for new 

accounts) to do this, we will provide provisional credit to your account for the amount you think is in error so that you will have use of the money 

during the time it takes us to complete our investigation. 

For business accounts, 

our practice is to follow the procedures described above as detailed in your Deposit Account Agreement or other 

applicable agreements, but we are not legally [eguire 

fo do so. For example, we require you to notify us no later than 30 days after we sent you 

the first statement on which the error a peared. 

'e may require you to provide us with a writien statement that the disputed transaction was 

unauthorized. We are also not required 

to give provisional credit. 

IN CASE OF ERRORS OR QUESTIONS ABOUT NON-ELECTRONIC FUNDS TRANSFERS: Contact us immediately if your statement is 

incorrect or if you need more information about any non-electronic funds transfers on this statement. For more details, sée your Deposit Account 

Agreement or other applicable agreements that govern your account. 

JPMorgan Chase Bank, N.A. Member FDIC

CHASE © 

JPMorgan Chase Bank, N.A. 

P O Box 182051 

Columbus, OH 43218 -2051 

November 18, 2025 through December 12, 2025 

CUSTOMER SERVICE INFORMATION 

Web site: 

Chase.com 

Service Center: 

1-800-935-9935 

00037719 DRE 021 141 34725 NNNNNNNNNNN T 

1 000000000 10 0000 

Para Espanol: 

1-877-312-4273 

NOBEL ATTO 

International Calls: 

1-713-262-1679 

OR ELHAM ATTO 

30131 GRUENBURG DR 

WARREN MI 48092-3362 

We accept operator relay calls 

CHECKING SUMMARY 

Chase Total Checking 

AMOUNT 

Beginning Balance 

$1,008.89 

Deposits and Additions 

2,390.00 

Electronic Withdrawals 

-3,398.81 

Ending Balance 

$0.08 

DEPOSITS AND ADDITIONS 

DATE 

DESCRIPTION 

AMOUNT 

12/03 

SSA Treas 310 

Xxsoc Sec 

PPD 

| 

| $1,694.00 

12/03 

SSA Treas 310 

_Xxsoc Sec 

= 

| 

696.00 

Total Deposits and Additions 

$2,390.00 

ELECTRONIC WITHDRAWALS] 

DATE 

DESCRIPTION 

AMOUNT 

11/18 

11/18 Online Payment 27006319709 To Costco Anywhere Card US 

$1,008.80 

12/03 

12/03 Online Payment 27185897166 To Costco Anywhere Card US 

664.34 

12/03 

12/03 Payment To Chase Card Ending IN [| 

240.35 

12/03 

12/03 Online Payment 27185905323 To Consumers Energy 

153.82 

12/12 

12/12 Online Payment 27296809039 To Costco Anywhere Card US 

1,331.50 

Total Electronic Withdrawals 

$3,398.81 

A Monthly Service Fee was not charged to your Chase Total Checking account. 

Here are the three ways you can avoid 

this fee during any statement period.

LY 

CHASE ©) 

November 18, 2025 { 

Account Number: ] 

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS: 

Call us at 1-866-564-2262 or write us at the address on the front of this statement immediately if you think your statement or receipt is incorrect or if 

you need more information about a transfer listed on the statement or receipt. 

For personal accounts only: We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error 

appeared, Be prepared to give us the following information: 

* 

Your name and account number; 

i 

Co 

| 

i 

° 

A description of the error or the transaction you are unsure about, and why you think it is an error or want more information; and 

. 

The amount of the suspected error. 

We will investigate your complaint and will correct any error promptly. 

If we take more than 10 business days (or 20 business days for new 

accounts) io do this, we will provide provisional credit to your account for the amount you think is in error so that you will have usé of the money 

during the time it takes us to complete our investigation. 

For business accounts, 

our practice is to follow the 

procedures described above as detailed in your Deposit Account Agreement or other 

applicable agreements, but we are not legally required 

to do so. For example, we require you to nofify us no later than 30 days after we sent you 

the first statement on which the error appeared. 

We may require you to provide us with a Writien statement that the disputed transaction was 

unauthorized. We are also not required 

to give provisional credit. 

IN CASE OF ERRORS OR QUESTIONS ABOUT NON-ELECTRONIC FUNDS TRANSFERS: Contact us immediately if your statement is 

incorrect or if you need more information about any non-electronic funds transfers on this statement. For more details, see your Deposit Account 

Agreement or other applicable agreements that govern your account. 

JPMorgan Chase Bank, N.A. Member FDIC

Social Security Administration 

HRS 

001993 

‘ 

Date: 

nw 

BNC#: 

REF: 

leh gpoatylettal osy [jeg 

ig ee ipebpenggoifgls 

T5 P1180912-7-5-1 - 1993 BEV 0624 

BE 

ELHAM T ATTO 

: 

i 

30131 GRUENBURG DR 

WARREN MI 48092-3362 

001993 

You asked us for information from your record. 

The information that you 

requested is shown below. 

If you want anyone else to have this information, 

you may send them this letter. 

Information About Current Social Security Benefits 

Beginning December 2024, the full monthly Social Security benefit before any 

deductions is $ 696.80. 

We deduct $0.00 for medical insurance premiums each month. 

The regular monthly Social Security payment is $ 696.00. 

(We must round down to the whole dollar.) 

We pay Social Security benefits for a 

given month in the next month. 

For 

example, Social Security benefits for 

March are paid in April. 

Date of Birth Information 

000000608 . | 

WVJF29052%" d4V"LONATUEd 

BX d IVIL ONLIEE 0A YH ARNT 

TE295526080 

TOF LH06F 185850109200 

S00v 9bed 

The date of birth shown on our records 

is November 25, 1955. 

Medicare Information 

You are entitled to hospital insurance under Medicare beginning 

November 2020. 

You are entitled to medical insurance under Medicare beginning

I 

Page 

2 of 

2 

Type of Social Security Benefit Information 

You are entitled to monthly retirement benefits. 

Suspect Social Security Fraud? 

Please visit hitp://oig.ssa.gov/r or call the Inspector General's Fraud Hotline 

at 1-800-269-0271 (TTY 

1-866-501-2101). 

If You Have Questions 

Need more help? 

1 

Visit www.ssa.gov for fast, simple, and secure online service. 

2. 

Call us at 1-800-772-1213, weekdays from 8:00 am to 7:00 pm. 

If you 

are deaf or hard of hearing, call TTY 1-800-325-0778. 

Please mention 

this letter when you call. 

3. 

You may also call your local office at 888-655-6479. 

SOCIAL SECURITY 

7385 TRIANGLE DRIVE 

STERLING HEIGHTS, MI 48314 

How are we doing? Go to www.ssa.gov/feedback to-tell us. 

Secial Security Udministration 

900% oBed

HMA 

oe 

001992 

hij 

Social Security Administration 

until 

linkuty tbeegd Who ff folg iy 

TS P1 180912-7-5-1 

- 1992 BEV 0624 

fe 

NOBEL H ATTO 

% 

30131 GRUENBURG 

WARREN MI 48092-3362 

You asked us for information from your record. 

The information that you 

requested is shown below. 

If you want anyone else to have this information, 

you may send them this letter. 

Information About Current Social Security Benefits 

Beginning December 2024, the: full monthly Social Security benefit before any 

deductions is $ 1694.50. 

We deduct $0.00 for medical insurance premiums each month. 

The regular monthly Social Security payment is $ 1694.00. 

{We must round down to the whole dollar.) 

We pay Social Security benefits for a given month in the next month. 

For 

example, Social Security benefits for March are paid in April. 

Date of Birth Information 

Anns AB. 

The date of Birth Shown ofl OUT Tecords 1s July 12, 1948: 

Medicare Information 

You are entitled to hospital insurance under Medicare beginning 

December 2002. 

You are entitled to medical insurance under Medicare beginning

25BC910D15325 A 

Page 

2 of 

2 

Type of Social Security Benefit Information 

You are entitled to monthly retirement benefits. 

Suspect Social Security Fraud? 

Please visit http://oig.ssa.gov/r or call the Inspector General's Fraud Hotline 

at 1-800-269- 027 (TTY 

1-866-501-2101). 

‘If You Have Questions 

Need more help? 

2. 

Nati us at 1-800-772- 1213, oot, Spe, from 8:00 am to 7: 00 pm. If you 

are deaf or hard of hearing, call TTY 1-800-325-0778. 

Please mention 

“this letter when you call. 

. 

3. 

You may. also call your local office at 888-655-6479. 

SOCIAL SECURITY 

7385 TRIANGLE DRIVE 

STERLING HEIGHTS, MI 48314 

How are we doing? Go to www.ssa.gov/feedback to tell us. 

Sacial Security Administration 

$00Y obed

DIRECT INQUIRIES TO: 

3070 Normandy Rd. 

Royal Oak, MI 48073 

248.549.3838 

188 

www.OURcuonline.org 

Statement of Accounts 

Account Balances at a 

: 

Account Number: 

Savings: 

Checking: 

155.23 

Total Loans: 

0.00 

726 S. Washington Ave., Royal Oak 

6693 Rochester Rd., Troy 

5625 Twelve Mile, Warren 

54870 Mound Rd., Shelby Township 

NOBEL HANNA ATTO 

ELHAM ATTO 

30131 GRUENBURG DR 

WARREN MI 48092-3362 

Refer a friend to OUR Credit Union and you could both earn! 

Visit ourcuonline.org/refer for more information. 

Statement Period: 01/01/2025 thru 01/31/2025 

ACCOUNT SUMMARY 

Type 

Starting Balance 

Total Deposits 

~~ Total Withdrawals. 

Ending Balance 

PRIMARY SAVINGS 

5.00 

0.00 

0.00 

5.00 

BASIC CHECKING 

169.25 

167.77 

171.79 

165.23 

PCLI 

0.00 

0.00 

0.00 

0.00 

ID 0000 - PRIMARY SAVINGS 

Dividends Paid: $0.00 

Date 

Transaction Description 

Amount 

Balance 

01/01/2025 

Beginning Balance 

5.00 

01/31/2025 

Ending Balance 

5.00 

ID 0020 - BASIC CHECKING 

Dividends Paid: $0.00 

Date 

Transaction Description 

Amount 

Balance 

01/01/2025 

Beginning Balance 

169.25 

01/03/2025 

Draft 100005 

-5.00 

164.25 

01/09/2025 

Draft 100006 

-34.21 

130.04 

01/13/2025 

Withdrawal Bill Payment 

75.35 

54.69 

Bill Paid-COSTCO ANYWHERE CARD Conf #61 

01/16/2025 

Withdrawal Bill Payment 

-51.07 

3.62

3070 Normandy Rd. 

Royal Oak, MI 48073 

248.549.3838 

www.OURcuonline.org 

01/01/2025 — 

Account Number: 

NOBEL 

1D 0020 - BASIC CHECKING (Continued) 

Cleared Check Summary 

Number 

Date 

Amount 

Number 

Date 

Amount 

Number 

Date 

Amount 

100005 

01-03 

5.00 

100006 

01-09 

34.21 

* denotes draft out of sequence 

1D 0111 

PCL 

Annual Percentage Rate: 10.750% Variable Rate 

Credit Limit: 1,000.00 

Available Credit: 1,000.00 

PAYMENT INFORMATION: 

Previous Balance: 0.00 

New Batance: 0.00 

Minimum Payment: 0.00 

Payment Due Date: 

Balance 

Eff 

Interest 

Late 

Subject to 

Date 

Transaction Description 

Payment 

Principal 

Charge 

Fee 

Interest Rate** 

No Transactions This Period 

01/31/2025 

Loan Interest Rate change from 10.750% to 10.500% effective 02/01/25 

Idx ¢hng from 7.750% to 7.500% 02/01/25 

** INTEREST CHARGE CALCULATION: The balance used to compute interest charges is the unpaid balance each day after 

payments and credits to that balance have been subtracted and any additions to the balance have been made. 

FEE SUMMARY 

TOTAL FEES FOR THIS PERIOD 

0.00 

INTEREST CHARGED SUMMARY 

TOTAL INTEREST FOR THIS PERIOD 

0.00 

YEAR TO DATE TOTALS 

Total Fees Year To Date 

0.00 

Total Interest Charged This Year 

0.00 

Total Fees Charged Last Year 

0.00 

Total Interest Charged Last Year 

0.00

3070 Normandy Rd. 

248.549.3838 

01/01/2025 thru 01/31/2025 

+ 

Bi 

| 

| 0] 

Royal Oak, MI 48073 

HIE 

www. OURcuonline.org 

Account Number: 

NOBEL HANNA ATTO 

YEAR TO DATE SUMMARY. 

Total Dividends Paid 

0.00

DIRECT INQUIRIES TO: 

3070 Normandy Rd. 

Royal Oak, MI 48073 

248.549.3838 

www.OURcuonline.org 

726 S. Washington Ave., Royal Oak 

6693 Rochester Rd., Troy 

5625 Twelve Mile, Warren 

54870 Mound Rd., Shelby Township 

NOBEL HANNA ATTO 

ELHAM ATTO 

30131 GRUENBURG DR 

WARREN MI 48092-3362 

ACCOUNT SUMMARY 

Type 

PRIMARY SAVINGS 

BASIC CHECKING 

PCL 

ID 0000 - PRIMARY SAVINGS 

Date 

02/01/2025 

Beginning Balance 

02/28/2025 

Ending Balance 

ID 0020 - BASIC CHECKING 

Date 

Statement of Accounts 

Account Balances a 

Account Number: 

Savings: 

Checking: 

Total Loans: 

Refer a friend to OUR Credit Union and you could both earn! 

Visit ourcuonline.org/refer for more information. 

Starting Balance 

5.00 

155.23 

0.00 

Transaction Description 

Transaction Description 

5.00 

0.74 

0.00 

Statement Period: 02/01/2025 thru 02/28/2025 

Total Deposits 

0.00 

0.00 

28.51 

183.00 

0.00 

0.00 

Dividends Paid: $0.00 

Amount 

Dividends Paid: $0.00 

02/01/2025 

Beginning 

Balance 

DELTA COMMUNITY es 

Bb 1205 JOHNSON FERRY RD S 

MARIETTA GA 

02/18/2025 

Withdrawal Bill Payment 

Bill Paid-COSTCO ANYWHERE CARD Conf #65 

Amount 

Total Withdrawals 

Ending Balance 

5.00 

0.74 

0.00 

Balance 

5.00 

5.00 

Balance 

155.23 

183.74 

100.74

a 

3070 Normandy Rd. 

| 

] a 

Royal Oak, Mt 48073 

248.549.3838 

BREDIT LINION www, OURcuonline.org 

02/01/2025 

Account Number: 

NOBE 

1D.0111-PCL1 

Annual! Percentage Rate: 10.500% Variable Rate 

Credit Limit: 1,000.00 

Available Credit: 1,000.00 

PAYMENT INFORMATION: 

Previous Balance: 0.00 

New Balance: 0.00 

Minimum Payment: 0.00 

Payment Due Date: 

Balance 

Eff 

Interest 

Late 

Subject to 

Date 

Transaction Description 

Payment 

Principal 

Charge 

Fee 

Interest Rate** 

No Transactions This Period 

02/01/2025 

Loan Interest Rate change from 10.750% to 10.500% 

02/28/2025 

Loan Interest Rate change from 10.500% to 10.500% effective 03/01/25 

Idx chng from 7.500% to 7.500% 03/01/25 

** INTEREST CHARGE CALCULATION: The balance used to compute interest charges is the unpaid balance each day after 

payments and credits to that balance have been subtracted and any additions to the balance have been made. 

FEE SUMMARY 

TOTAL FEES FOR THIS PERIOD 

0.00 

INTEREST CHARGED SUMMARY 

TOTAL INTEREST FOR THIS PERIOD 

0.00 

YEAR TO DATE TOTALS 

Total Fees Year To Date 

0.00 

Total Interest Charged This Year 

0.00 

Total Fees Charged Last Year 

0.00 

Total Interest Charged Last Year 

0.00

3070 Normandy Rd. 

Royal Oak, Mi 48073 

248.549.3838 

www.OURGcuonline.org 

02/01/2025 thru 02/28/2025 

Account Number: 

NOBEL HANNA ATTO 

YEAR TO DATE SUMMARY 

0.00 

Total Dividends Paid

DIRECT INQUIRIES TO: 

3070 Normandy Rd. 

Royal Oak, MI 48073 

248.549.3838 

Statement of Accounts 

www.OURcuonline.org 

726 S. Washington Ave., Royal Oak 

Account Balances at a Glance: 

6693 Rochester Rd., Troy 

Account Number: 

5625 Twelve Mile, Warren 

Savings: 

i 

54870 Mound Rd., Shelby Township 

Checking: 

190.99 

Total Loans: 

0.00 

NOBEL HANNA ATTO 

ELHAM ATTO 

30131 GRUENBURG DR 

WARREN MI 48092-3362 

Refer a friend to OUR Credit Union and you could both earn! 

Visit ourcuonline.org/refer for more information. 

Statement Period: 03/01/2025 thru 03/31/2025 

ACCOUNT SUMMARY 

Type 

Starting Balance 

Total Deposits 

~~ Total Withdrawals 

Ending Balance 

PRIMARY SAVINGS 

5.00 

0.00 

0.00 

5.00 

BASIC CHECKING 

0.74 

190.25 

0.00 

190.99 

PCL 

0.00 

0.00 

0.00 

0.00 

ID 0000 - PRIMARY SAVINGS 

Dividends Paid: $0.00 

Date 

Transaction Description 

Amount 

Balance 

03/01/2025 

Beginning Balance 

5.00 

03/31/2025 

Ending Balance 

5.00 

ID 0020 - BASIC CHECKING 

Dividends Paid: $0.00 

Date 

Transaction Description 

Amount 

Balance 

03/01/2025 

Beginning Balance 

0.74 

+ oaoniz025 

Deposit Shared ranch MEN 

160.38 

61.12 

TA COMMUNITY CREDIT UN 1205 JOHNSON FERRY RD S 

MARIETTA GA 

" oiz12025 Deposit Shared rancr AED 

13290 

94.02 

DELTA COMMUNITY CREDIT UN 1205 JOHNSON FERRY RD S 

ET 

ry 

95.02

3070 Normandy Rd. 

Royal Oak, MI 48073 

a 

248.549.3838 

TLIO 

www. OURcuonline.org 

03/01/2025 thru 03/31/2025 

Account Number: 

NOBEL HANNA ATTO 

ID0111-PCL1 

§ 

Annual Percentage Rate: 10.500% Variable Rate 

Credit Limit: 1,000.00 

Available Credit: 1,000.00 

PAYMENT INFORMATION: 

Previous Balance: 0.00 

New Balance: 0.00 

Minimum Payment: 0.00 

Payment Due Date: 

Balance 

Eff 

Interest 

Late 

Subject to 

Date 

Transaction Description 

Payment 

Principal 

Charge 

Fee 

Interest Rate** 

No Transactions This Period 

03/31/2025 

Loan Interest Rate change from 10.500% to 10.500% effective 04/01/25 

Idx ching from 7.500% to 7.500% 04/01/25 

** INTEREST CHARGE CALCULATION: The balance used to compute interest charges is the unpaid balance each day after 

payments and credits to that balance have been subtracted and any additions to the balance have been made. 

FEE SUMMARY 

TOTAL FEES FOR THIS PERIOD 

0.00 

INTEREST CHARGED SUMMARY 

TOTAL INTEREST FOR THIS PERIOD 

0.00 

YEAR TO DATE TOTALS 

Total Fees Year To Date 

0.00 

Total Interest Charged This Year 

0.00 

Total Fees Charged Last Year 

0.00 

Total Interest Charged Last Year 

0.00

3070 Normandy Rd. 

Royal Oak, MI 48073 

248.549.3838 

03/01/2025 

2 

Account Number: 

NOBEL HANNA ATTO 

www.OURcuonline.org 

YEAR TO DATE SUMMARY: 

Total Dividends Paid 

0.00

DIRECT INQUIRIES TO: 

3070 Normandy Rd. 

Royal Oak, Mi 48073 

248.540.3838 

Statement of Accounts 

www.OURcuonline.org 

726 S. Washington Ave., Royal Oak 

Account Balances at a Glance: 

6693 Rochester Rd., Troy 

Account Number: 

5625 Twelve Mile, Warren 

Savings: 

. 

54870 Mound Rd., Shelby Township 

Checking: 

41.83 

Total Loans: 

0.00 

NOBEL HANNA ATTO 

ELHAM ATTO 

30131 GRUENBURG DR 

WARREN MI 48092-3362 

Refer a friend to OUR Credit Union and you could both earn! 

Visit ourcuontine.orglrefer for more information. 

Statement Period: 04/01/2025 thru 04/30/2025 

ACCOUNT SUMMARY 

Type 

Starting Balance: 

“Total Deposits: 

Total Withdrawals: 

: Ending Balance 

PRIMARY SAVINGS 

5.00 

0.00 

0.00 

5.00 

BASIC CHECKING 

190.99 

0.00 

149.16 

41.83 

PCL 

I 

0.00 

0.00 

0.00 

0.00 

1D.0000.- PRIMARY SAVINGS 

Dividends Paid: $0.00 

Date 

Transaction Description 

Amount 

Balance 

04/01/2025 

Beginning Balance 

5.00 

04/30/2025 

Ending Balance 

5.00 

ID 0020 ~ BASIC CHECKING 

Dividends Paid: $0.00 

Date 

Transaction Description 

Amount 

Balance 

04/01/2025 

Beginning Balance 

190.99 

04/17/2025 

Withdrawal ACH STATE OF MICH 

-143.00 

47.99 

TYPE: SOS ESERV ID: I CO: STATE OF MICH NAME: Atto 

Nobel Entry Class Code: WEB 

Trace Number: 

04/28/2025 

Withdrawal Bill Payment 

-6.16 

41.83 

Bill Paid-CITY OF WARREN MICHIG Conf #66

i 

3070 Normandy Rd. 

| 

| @ 

Royal Oak, Mi 48073 

: 

248.549.3838 

DREQT LT 

yyw. OURcuonline.org 

04/01/2025 

Account Number: 

NOBEL HANNA ATTO 

ID 0111 

= PCL I(Continued) 

Balance 

Eff 

Interest 

Late 

Subject to 

Date 

Transaction Description 

Payment 

Principal 

Charge 

Fee 

Interest Rate** 

No Transactions This Period 

04/30/2025 

Loan Interest Rate change from 10.500% to 10.500% effective 05/01/25 

Idx chng from 7.500% to 7.500% 05/01/25 

»* INTEREST CHARGE CALCULATION: The balance used to compute interest charges is the unpaid balance each day after 

payments and credits to that balance have been subtracted and any additions to the balance have been made. 

FEE SUMMARY 

TOTAL FEES FOR THIS PERIOD 

0.00 

INTEREST CHARGED SUMMARY 

TOTAL INTEREST FOR THIS PERIOD 

0.00 

YEAR TO DATE TOTALS 

Total Fees Year To Date 

0.00 

Total Interest Charged This Year 

0.00 

Total Fees Charged Last Year 

0.00 

Total interest Charged Last Year 

0.00

3070 Normandy Rd. 

Royal Oak, Mi 48073 

248.549.3838 

www.OURcuonline.org 

04/01/2025 thru 04/30/2025 

Account Number: 

NOBEL HANNA ATTO 

YEAR TO DATE SUMMARY. 

Totat Dividends Paid 

0.00

DIRECT INQUIRIES TO: 

3070 Normandy Rd. 

Royal Oak, MI 48073 

248.549.3838 

Statement of Accounts 

I 

www.OURcuonline.org 

726 S. Washington Ave., Royal Oak 

Account Balances at a Glance: 

6693 Rochester Rd., Troy 

Account Number: 

5625 Twelve Mile, Warren 

Savings: 

5.00 

54870 Mound Rd., Shelby Township 

Checking: 

65.27 

Total Loans: 

0.00 

NOBEL HANNA ATTO 

ELHAM ATTO 

30131 GRUENBURG DR 

WARREN MI 48092-3362 

Refer a friend to OUR Credit Union and you could both earn! 

Visit ourcuonline.org/refer for more information. 

Statement Period: 05/01/2025 thru 05/31/2025 

ACCOUNT SUMMARY 

Type 

Starting Balance 

Total Deposits 

~~ Total Withdrawals 

Ending Balance 

PRIMARY SAVINGS 

5.00 

0.00 

0.00 

5.00 

BASIC CHECKING 

41.83 

70.60 

47.16 

65.27 

PCLI 

0.00 

0.00 

0.00 

0.00 

ID 0000 - PRIMARY SAVINGS 

Dividends Paid: $0.00 

Date 

Transaction Description 

Amount 

Balance 

05/01/2025 

Beginning Balance 

5.00 

05/31/2025 

Ending Balance 

5.00 

ID 0020 - BASIC CHECKING 

Dividends Paid: $0.00 

Date 

Transaction Description 

Amount 

Balance 

05/01/2025 

Beginning Balance 

41.83 

05/12/2025 

Withdrawal Bill Payment 

-41.00 

0.83 

Bill Paid-COSTCO ANYWHERE CARD Conf #67 

| 70.60 

71.43 

DELTA COMMUNITY CREDIT UN 1205 JOHNSON FERRY RD S 

MARIETTA GA

3070 Normandy Rd. 

Royal Oak, M1 48073 

248.549.3838 

www.OURcuonline.org 

05/01/2025 thru 05/31/2025 

Account Number: 

NOBEL HANNA ATTO 

ID 0114 = PCL 

I (Continued) 

Balance 

Eff 

interest 

Late 

Subject to 

Date 

Transaction Description 

Payment 

Principal 

Charge 

Fee 

Interest Rate** 

No Transactions This Period 

05/31/2025 

loan Interest Rate change from 10.500% to 10.500% effective 06/01/25 

Idx chng from 7.500% to 7.500% 06/01/25 

* INTEREST CHARGE CALCULATION: The balance used to compute interest charges is the unpaid balance each day after 

payments and credits to that balance have been subtracted and any additions to the balance have been made. 

FEE SUMMARY 

TOTAL FEES FOR THiS PERIOD 

0.00 

INTEREST CHARGED SUMMARY 

TOTAL INTEREST FOR THIS PERIOD 

0.00 

YEAR TO DATE TOTALS 

Total Fees Year To Date 

0.00 

Total Interest Charged This Year 

0.00 

Total Fees Charged Last Year 

0.00 

Total Interest Charged Last Year 

0.00

3070 Normandy Rd. 

l 

1 a 

Royal Oak, MI 48073 

= 

. 

] 

248.549.3838 

=F 

TLE 

www, OURcuontine.org 

05/01/2025 a 

Account Number: 

NOBEL 

YEAR TO DATE SUMMARY. 

Total Dividends Paid 

0.00

DIRECT INQUIRIES TO: 

3070 Normandy Rd. 

Royal Oak, MI 48073 

248.549.3838 

Statement of Accounts 

JT 

www.OURcuonline.org 

726 S. Washington Ave., Royal Oak 

Account Balances at a Glance: 

6693 Rochester Rd., Troy 

Account Number: 

5625 Twelve Mile, Warren 

Savings: 

5.00 

54870 Mound Rd., Shelby Township 

Checking: 

0.20 

Total Loans: 

0.00 

NOBEL HANNA ATTO 

ELHAM ATTO 

30131 GRUENBURG DR 

WARREN MI 48092-3362 

Refer a friend to OUR Credit Union and you could both earn! 

Visit ourcuonline.org/refer for more information. 

Statement Period: 06/01/2025 thru 06/30/2025 

ACCOUNT SUMMARY 

Type 

Starting Balance 

~~ Total Deposits 

~~ Total Withdrawals 

Ending Balance 

PRIMARY SAVINGS 

5.00 

0.00 

0.00 

5.00 

BASIC CHECKING 

65.27 

126.93 

192.00 

0.20 

PCLI 

0.00 

0.00 

0.00 

0.00 

ID 0000 - PRIMARY SAVINGS 

Dividends Paid: $0.00 

Date 

Transaction Description 

Amount 

Balance 

06/01/2025 

Beginning Balance 

5.00 

06/30/2025 

Ending Balance 

5.00 

ID 0020 - BASIC CHECKING 

Dividends Paid: $0.00 

Date 

Transaction Description 

Amount 

Balance 

06/01/2025 

Beginning Balance 

65.27 

061032025. Doposit Shared Branch SEN 

112693 

19220 

DELTA COMMUNITY CREDIT UN 1205 JOHNSON FERRY RD S 

MARIETTA GA 

06/16/2025 

Withdrawal Bill Payment 

-192.00 

0.20 

Bill Paid-COSTCO ANYWHERE CARD Conf #69

248.549.3838 

www.OURcuonline.org 

06/01/202 

Account Number: 

NOBEL HANNA ATTO 

wo 

3070 Normandy Rd. 

| 

J @ 

Royal Oak, MI 48073 

TL 

ID 0111.- PCL | (Continued) 

Balance 

Eff 

Interest 

Late 

Subject to 

Date 

Transaction Description 

Payment 

Principal 

Charge 

Fee 

Interest Rate** 

No Transactions This Period 

06/30/2025 

Loan Interest Rate change from 10.500% to 10.500% effective 07/01/25 

Idx chng from 7.500% to 7.500% 07/01/25 

= INTEREST CHARGE CALCULATION: The balance used to compute interest charges is the unpaid balance each day after 

payments and credits to that balance have been subtracted and any additions to the balance have been made. 

FEE SUMMARY 

TOTAL FEES FOR THIS PERIOD 

0.00 

INTEREST CHARGED SUMMARY 

TOTAL INTEREST FOR THIS PERIOD 

0.00 

YEAR TO DATE TOTALS 

Total Fees Year To Date 

0.00 

Total Interest Charged This Year 

0.00 

Total Fees Charged Last Year 

0.00 

Total Interest Charged Last Year 

0.00

3070 Normandy Rd. 

Royal Oak, MI 48073 

248.549.3838 

06/01/2025 th 

Account Number: 

NOBEL HANNA ATTO 

www.OURcuonline.org 

YEAR TO DATE SUMMARY 

Total Dividends Paid 

0.00

NOBEL HANNA ATTO 

ELHAM ATTO 

30131 GRUENBURG DR 

WARREN MI 48092-3362 

ACCOUNT SUMMARY 

Type 

PRIMARY SAVINGS 

BASIC CHECKING 

PCL 

1D 0000 - PRIMARY SAVINGS 

Date 

07/01/2025 

Beginning Balance 

07/31/2025 

Ending Balance 

ID 0020 - BASIC CHECKING 

Date 

07/01/2025 

Beginning Balance 

DIRECT INQUIRIES TO: 

3070 Normandy Rd. 

Royal Oak, MI 48073 

248.549.3838 

www.OURcuonline.org 

726 S. Washington Ave., Royal Oak 

6693 Rochester Rd., Troy 

5625 Twelve Mile, Warren 

54870 Mound Rd., Shelby Township 

Statement of Accounts 

Account Balances at a Glance: 

Account Number: 

Savings: 

5.00 

Checking: 

9.33 

Total Loans: 

0.00 

Refer a friend to OUR Credit Union and you could both earn! 

Visit ourcuonline.org/refer for more information. 

Starting Balance 

5.00 

0.20 

0.00 

Transaction Description 

Statement Period: 07/01/2025 thru 07/31/2025 

Total Deposits 

~~ Total Withdrawals 

Ending Balance 

0.00 

0.00 

5.00 

211.46 

202.33 

9.33 

0.00 

0.00 

0.00 

Dividends Paid: $0.00 

Amount 

Balance 

5.00 

5.00 

Dividends Paid: $0.00 

Transaction Description 

Amount 

Balance 

0.20 

¢ 

21146 

211.66 

DELTA COMMUNITY CREDIT UN 1205 JOHNSON FERRY RD S 

MARIETTA GA 

07/28/2025 

Withdrawal Bill Payment 

-23.24 

188.42 

Bill Paid-CAESARS REWARDS VISA Conf #70

3070 Normandy Rd. 

Royal Oak, M! 48073 

248.549.3838 

www.OURcuonline.org 

07/01/2025 [" HIE 

Account Number: 

NOBEL HANNA ATTO 

ID 0111:- PCL I{Continued) 

Balance 

Eff 

Interest 

Late 

Subject to 

Date 

Transaction Description 

Payment 

Principal 

Charge 

Fee 

Interest Rate** 

No Transactions This Period 

07/31/2025 

Loan Interest Rate change from 10.500% to 10.500% effective 08/01/25 

Idx chng from 7.500% to 7.500% 08/01/25 

* INTEREST CHARGE CALCULATION: The balance used to compute interest charges is the unpaid balance each day after 

payments and credits to that balance have been subtracted and any additions to the balance have been made. 

FEE SUMMARY 

TOTAL FEES FOR THIS PERIOD 

0.00 

INTEREST CHARGED SUMMARY 

TOTAL INTEREST FOR TH!S PERIOD 

0.00 

YEAR TO DATE TOTALS 

Total Fees Year To Date 

0.00 

Total Interest Charged This Year 

0.00 

Total Fees Charged Last Year 

0.00 

Total Interest Charged Last Year 

0.00

3070 Normandy Rd. 

Royal Oak, Mi 48073 

248.549.3838 

www.OURcuonline.org 

07/01/2025 thru 07/31/2025 

Account Number: 

NOB| 

YEAR TO DATE SUMMARY 

Total Dividends Paid 

0.00

NOBEL HANNA ATTO 

ELHAM ATTO 

30131 GRUENBURG DR 

WARREN MI 48092-3362 

ACCOUNT SUMMARY 

Type 

PRIMARY SAVINGS 

BASIC CHECKING 

PCLI 

ID 0000 - PRIMARY SAVINGS 

Date 

08/01/2025 

Beginning Balance 

08/31/2025 

Ending Balance 

ID 0020 - BASIC CHECKING 

Date 

08/01/2025 

Beginning Balance 

DELTA COMMUNITY CREDIT UN 1205 JOHNSON FERRY RD $ 

MARIETTA GA 

08/31/2025 

Ending Balance 

ID 0111 - PCL | 

DIRECT INQUIRIES TO: 

3070 Normandy Rd. 

Royal Oak, MI 48073 

248.549.3838 

www.OURcuonline.org 

726 S. Washington Ave., Royal Oak 

6693 Rochester Rd., Troy 

5625 Twelve Mile, Warren 

54870 Mound Rd., Shelby Township 

Statement of Accounts 

Account Balances at a Glance: 

Account Number: 

Savings: 

Checking: 

Total Loans: 

Refer a friend to OUR Credit Union and you could both earn! 

Visit ourcuonline.org/refer for more information. 

Starting Balance 

5.00 

9.33 

0.00 

Transaction Description 

Transaction Description 

Total Deposits 

5.00 

59.33 

0.00 

Statement Period: 08/01/2025 thru 08/31/2025 

0.00 

0.00 

50.00 

0.00 

0.00 

0.00 

Dividends Paid: $0.00 

Amount 

Dividends Paid: $0.00 

Amount 

Total Withdrawals 

Ending Balance 

5.00 

59.33 

0.00 

Balance 

5.00 

5.00 

Balance 

9.33 

59.33 

59.33

3070 Normandy Rd. 

Royal Oak, Mi 48073 

248.549.3838 

www.OURcuonline.org 

08/01/2025 thru 08/31/2025 

Account Number: 

NOBEL HANNA ATTO 

ID 0111.- PCL 

(Continued) 

Balance 

Eff 

Interest 

Late 

Subject to 

Date 

Transaction Description 

Payment 

Principal 

Charge 

Fee 

Interest Rate™* 

No Transactions This Period 

08/31/2025 

Loan Interest Rate change from 10.500% to 10.500% effective 09/01/25 

Idx chng from 7.500% to 7.500% 09/01/25 

** INTEREST CHARGE CALCULATION: The balance used to compute interest charges is the unpaid balance each day after 

payments and credits to that balance have been subtracted and any additions to the balance have been made. 

FEE SUMMARY 

TOTAL FEES FOR THIS PERIOD 

0.00 

INTEREST CHARGED SUMMARY 

TOTAL INTEREST FOR THIS PERIOD 

0.00 

YEAR TO DATE TOTALS 

Total Fees Year To Date 

0.00 

Total Interest Charged This Year 

0.00 

Total Fees Charged last Year 

0.00 

Total Interest Charged Last Year 

0.00

3070 Normandy Rd. 

Royal Oak, MI 48073 

248.549.3838 

08/01/2025 thru 08/31/2025 

Account Number: 

NOBEL HANNA ATTO 

www.OURcuonline.org 

YEAR TO DATE SUMMARY. 

Total Dividends Paid 

0.00

DIRECT INQUIRIES TO: 

3070 Normandy Rd. 

Royal Oak, MI 48073 

248.549.3838 

Statement of Accounts 

Fr 

LIRHCI 

www. OURGcuonline.org 

726 S. Washington Ave., Royal Oak 

Account Balances at a Glance: 

6693 Rochester Rd., Troy 

Account Number: 

5625 Twelve Mile, Warren 

Savings: 

5.00 

54870 Mound Rd., Shelby Township 

Checking: 

112.05 

Total Loans: 

0.00 

NOBEL HANNA ATTO 

ELHAM ATTO 

30131 GRUENBURG DR 

WARREN MI 48092-3362 

A copy of OUR Privacy Policy is now available 

at www.OURcuonline.org/privacy-policy. 

To request a printed copy to be mailed to you, 

please call us at 248-549-3838. 

Statement Period: 09/01/2025 thru 09/30/2025 

ACCOUNT SUMMARY 

Type 

Starting Balance 

Total Deposits 

~~ Total Withdrawals 

Ending Balance 

PRIMARY SAVINGS 

5.00 

0.00 

0.00 

5.00 

BASIC CHECKING 

59.33 

152.72 

100.00 

112.05 

PCLI 

0.00 

0.00 

0.00 

0.00 

ID 0000 - PRIMARY SAVINGS 

Dividends Paid: $0.00 

Date 

Transaction Description 

Amount 

Balance 

09/01/2025 

Beginning Balance 

5.00 

09/30/2025 

Ending Balance 

5.00 

ID 0020 - BASIC CHECKING 

Dividends Paid: $0.00 

Date 

Transaction Description 

Amount 

Balance 

09/01/2025 

Beginning Balance 

59.33 

* ouez025 

epost Share anc IR 

16 

105.40 

DELTA COMMUNITY CREDI 

1205 JOHNSON FERRY RD S 

MARIETTA GA 

09/08/2025 

Withdrawal 

-100.00 

5.49 

Cash Disbursed 100.00 

+ owsozozs Deposit area ranch [EE 

1085s. 

112.05

2 

3070 Normandy Rd. 

| 

1 a 

Royal Oak, MI 48073 

oT 

248.549 3838 

EN 

www.OURcuonline.org 

09/01/2025 thru 09/30/2025 

Account Number: 

NOB 

ID 0111- PCL 

Annual Percentage Rate: 10.500% Variable Rate 

Credit Limit: 1,000.00 

Available Credit: 1,000.00 

PAYMENT INFORMATION: 

Previous Balance: 0.00 

New Balance: 0.00 

Minimum Payment: 0.00 

Payment Due Date: 

Balance 

Eff 

Interest 

Late 

Subject to 

Date 

Transaction Description 

Payment 

Principal 

Charge 

Fee 

Interest Rate** 

No Transactions This Period 

09/30/2025 

Loan Interest Rate change from 10.500% to 10.500% effective 10/01/25 

Idx chng from 7.500% to 7.500% 10/01/25 

** INTEREST CHARGE CALCULATION: The balance used to compute interest charges is the unpaid balance each day after 

payments and credits to that balance have been subtracted and any additions to the balance have been made. 

FEE SUMMARY 

TOTAL FEES FOR THIS PERIOD 

0.00 

INTEREST CHARGED SUMMARY 

TOTAL INTEREST FOR THIS PERIOD 

0.00 

YEAR TO DATE TOTALS 

Total Fees Year To Dale 

0.00 

Total Interest Charged This Year 

0.00 

Total Fees Charged Last Year 

0.00 

Total Interest Charged Last Year 

0.00

pr, go 

3070 Normandy Rd. 

J 

J ©) 

Royal Oak, MI 48073 

: 

248.549.3838 

[= 

09/01/2025 thru 09/30/2025 

LINES 

wan, QURcuonline. 

org 

Account Number: 

—— 

NOBEL 

YEAR TO DATE SUMMARY. 

Total Dividends Paid 

0.00

DIRECT INQUIRIES TO: 

3070 Normandy Rd. 

Royal Oak, MI 48073 

248.549.3838 

Statement of Accounts 

www.OURCcuonline.org 

726 S. Washington Ave., Royal Oak 

Account Balances at a Glance: 

6693 Rochester Rd., Troy 

Account Number: 

|] 

5625 Twelve Mile, Warren 

Savings: 

5.00 

54870 Mound Rd., Shelby Township 

Checking: 

112.05 

Total Loans: 

0.00 

NOBEL HANNA ATTO 

ELHAM ATTO 

30131 GRUENBURG DR 

WARREN MI 48092-3362 

Refer a friend to OUR Credit Union and you could both earn! 

Visit ourcuoniine.orgfrefer for more information. 

Statement Period: 10/01/2025 thru 10/31/2025 

ACCOUNT SUMMARY: 

Type 

Starting Balance 

© 

Total Deposits: Total Withdrawals: 

' Ending Balance 

PRIMARY SAVINGS 

5.00 

0.00 

0.00 

5.00 

BASIC CHECKING 

112.05 

0.00 

0.00 

112.06 

PCL) 

0.00 

0.00 

0.00 

0.00 

1D 0000 - PRIMARY SAVINGS 

Dividends Paid: $0.00 

Date 

Transaction Description 

: 

Amount 

: 

Balance 

10/01/2025 

Beginning Balance 

5.00 

10/31/2025 

Ending Balance 

5.00 

1D 0020~ BASIC. CHECKING 

Dividends Paid: $0.00 

Date 

i 

Transaction Description 

Amount 

Balance 

10/01/2025 

Beginning Balance 

112.05 

10/31/2025 

Ending Balance 

112.05 

1D 0111 =PCL 

Annual Percentage Rate: 10.500% Variable Rate 

Credit Limit: 1,000.00 

Available Credit: 1,000.00

3070 Normandy Rd. 

Royal Oak, Mi 48073 

248.549.3838 

www. OURcuonline.org 

10/01/2025 thru 10/31/2025 

Account Number: 

NOBEL HANNA ATTO 

ID 0111.- PCL 1.(Continued) 

Balance 

Eff 

Interest 

Late 

Subject to 

Date 

Transaction Description 

Payment 

Principal 

Charge 

Fee 

Interest Rate** 

No Transactions This Period 

10/31/2025 

Loan Interest Rate change from 10.500% to 10.250% effective 11/01/25 

1dx chng from 7.500% to 7.250% 11/01/25 

** INTEREST CHARGE CALCULATION: The balance used to compue interest charges is the unpaid balance each day after 

payments and credits fo that balance have been subtracted and any additions to the balance have been made. 

FEE SUMMARY 

TOTAL FEES FOR THIS PERIOD 

0.00 

INTEREST CHARGED SUMMARY 

TOTAL INTEREST FOR THIS PERIOD 

0.00 

YEAR TO DATE TOTALS 

Total Fees Year To Date 

0.00 

Total Interest Charged This Year 

0.00 

Total Fees Charged Last Year 

0.00 

Total Interest Charged Last Year 

0.00

3070 Normandy Rd. 

Royal Oak, MI 48073 

248.549.3838 

www.OURGcuonline.org 

10/01/2025 “iii 

Account Number: 

NOBEL 

HANNA ATTO 

YEAR TO DATE SUMMARY 

Total Dividends Paid 

0.00

OUR 

SREDIT UNION 

NOBEL HANNA ATTO 

ELHAM ATTO 

30131 GRUENBURG DR 

WARREN MI 48092-3362 

ACCOUNT SUMMARY 

Type 

PRIMARY SAVINGS 

BASIC CHECKING 

PCL 

11D 0000 - PRIMARY SAVINGS 

Date 

11/01/2025 

Beginning Balance 

11/30/2025 

Ending Balance 

ID 0020 - BASIC CHECKING 

Date 

DIRECT INQUIRIES TO: 

3070 Normandy Rd. 

Royal Oak, MI 48073 

248.549.3838 

www.OURcuonline.org 

726 S. Washington Ave., Royal Oak 

6693 Rochester Rd., Troy 

5625 Twelve Mile, Warren 

54870 Mound Rd., Shelby Township 

Statement of Accounts 

Account Balances at a Glance: 

Account Number: 

Savings: 

5.00 

Checking: 

142.78 

Total Loans: 

0.00 

Refer a friend to OUR Credit Union and you could both earn! 

Visit ourcuonline.org/refer for more information. 

Starting Balance 

5.00 

112.05 

0.00 

Transaction Description 

Transaction Description 

tri 

— 

DELTA COMMUNITY CREDIT UN 1205 JOHNSON FERRY RD S 

MARIETTA GA 

11/30/2025 

Ending Balance 

ID 0111 -PCL 1 

Statement Period: 11/01/2025 thru 11/30/2025 

Total Deposits 

Total Withdrawals 

Ending Balance 

0.00 

0.00 

5.00 

30.73 

0.00 

142.78 

0.00 

0.00 

0.00 

Dividends Paid: $0.00 

Amount 

Balance 

5.00 

5.00 

Dividends Paid: $0.00 

Amount 

Balance 

112.05 

"3073 

142.78 

142.78

3070 Normandy Rd. 

| 

| ©] 

Royal Oak, MI 48073 

$a 

248.549.3838 

www.OURcuonline.org 

11/01/202! 

Account Number: 

NOBEL HANNA ATTO 

CREDIT LINION 

ID 0111 

- PCL 

| (Continued) 

Balance 

Eff 

Interest 

Late 

Subject to 

Date 

Transaction Description 

Payment 

Principal 

Charge 

Fee 

Interest Rate** 

No Transactions This Period 

11/01/2025 

Loan Interest Rate change from 10.500% to 10.250% 

11/30/2025 

Loan Interest Rate change from 10.250% to 10.000% effective 12/01/25 

Idx chng from 7.250% to 7.000% 12/01/25 

** INTEREST CHARGE CALCULATION: The balance used to compute interest charges is the unpaid balance each day after 

payments and credits to that balance have been subtracted and any additions to the balance have been made. 

FEE SUMMARY 

. 

TOTAL FEES FOR THIS PERIOD 

0.00 

INTEREST CHARGED SUMMARY 

TOTAL INTEREST FOR THIS PERIOD 

0.00 

YEAR TO DATE TOTALS 

Total Fees Year To Date 

0.00 

Total Interest Charged This Year 

0.00 

Total Fees Charged Last Year 

0.00 

Total Interest Charged Last Year 

0.00

3070 Normandy Rd. 

| © 

| 

Royal Oak, MI 48073 

248.549.3838 

CREDIT UNION 

www.OURcuonline.org 

11/01/2025 thru 11/30/2025 

Account Number: JR 

NOB 

YEAR TO DATE SUMMARY 

Total Dividends Paid 

0.00

OUR 

CREDIT LINION 

NOBEL HANNA ATTO 

ELHAM ATTO 

30131 GRUENBURG DR 

WARREN MI 48092-3362 

ACCOUNT SUMMARY 

Type 

PRIMARY SAVINGS 

BASIC CHECKING 

PCLI 

ID 0000 - PRIMARY SAVINGS 

Date 

12/01/2025 

Beginning Balance 

12/31/2025 

Ending Balance 

1D 0020 - BASIC CHECKING 

DIRECT INQUIRIES TO: 

3070 Normandy Rd. 

Royal Oak, MI 48073 

248.549.3838 

Statement of Accounts 

www.OURcuonline.org 

726 S. Washington Ave., Royal Oak 

Account Balances at a Glance: 

6693 Rochester Rd., Troy 

Account Number: 

5625 Twelve Mile, Warren 

Savings: 

. 

54870 Mound Rd., Shelby Township 

Checking: 

0.08 

Total Loans: 

0.00 

Refer a friend to OUR Credit Union and you could both earn! 

Visit ourcuonline.org/refer for more information. 

Statement Period: 12/01/2025 thru 12/31/2025 

Starting Balance 

Total Deposits 

= Total Withdrawals 

Ending Balance 

5.00 

0.00 

0.00 

5.00 

142.78 

0.00 

142.70 

0.08 

0.00 

0.00 

0.00 

0.00 

Dividends Paid: $0.00 

Transaction Description 

Amount 

Balance 

5.00 

5.00 

Dividends Paid: $0.00 

Date 

Transaction Description 

Amount 

Balance 

12/01/2025 

Beginning Balance 

142.78 

12/12/2025 

Withdrawal Bill Payment 

-142.70 

0.08 

Bill Paid-COSTCO ANYWHERE CARD Conf #72 

12/31/2025 

Ending Balance 

ID 0111 

- PCL 

| 

0.08

3070 Normandy Rd. 

| 

| (9 

Royal Oak, MI 48073 

248.549.3838 

CREDIT UNION 

www, OURcuonline.org 

12/01/2025 thru 12/31/2025 

Account Number: 

NOBEL HANNA ATTO 

ID 0111 - PCL I (Continued) 

Balance 

Eff 

Interest 

Late 

Subject to 

Date 

Transaction Description 

Payment 

Principal 

Charge 

Fee 

Interest Rate** 

No Transactions This Period 

12/01/2025 

Loan Interest Rate change from 10.250% to 10.000% 

12/31/2025 

Loan Interest Rate change from 10.000% to 9.750% effective 01/01/26 

1dx chng from 7.000% to 6.750% 01/01/26 

** INTEREST CHARGE CALCULATION: The balance used to compute interest charges is the unpaid balance each day after 

payments and credits to that balance have been subtracted and any additions to the balance have been made. 

FEE SUMMARY 

TOTAL FEES FOR THIS PERIOD 

0.00 

INTEREST CHARGED SUMMARY 

TOTAL INTEREST FOR THIS PERIOD 

0.00 

YEAR TO DATE TOTALS 

Total Fees Year To Date 

0.00 

Total Interest Charged This Year 

0.00 

Total Fees Charged Last Year 

0.00 

Total Interest Charged Last Year 

0.00

3070 Normandy Rd. 

l 

' 

| @1 

Royal Oak, MI 48073 

248.549.3838 

12/01/2025 thru 12/31/2025 

Account Number: 

NOBEL HANNA ATTO 

CREDIT UNION 

www, OURcuonline.org 

YEAR TO DATE SUMMARY 

Total Dividends Paid 

0.00

FORM SSA-1099SM 

- SOCIAL SECURITY BENEFIT STATEMENT 

» 

PART OF YOU 

TAXABLE INCOME 

CIAL SECURITY 

B 

S 

SHOWN 

IN BOX 5 MAY BE 

oy 

2025 

s 

SEE THE REVERSE FOR MORE INFORMATION 

Box 1. Name 

Box 2. Beneficiary's Social Security Number 

ELHAM T ATTO 

Box 3. Benefits Paid in 2025 

in 2025 

$8,352.00 

NONE 

Box 4. Benefits Repaid to SSA 

DESCRIPTION OF AMOUNT IN BOX 3 

Paid by check or Direct deposit $8,352.00 

Total Additions $8,352.00 

Benefits for 2025 $8,352.00 

NONE 

DESCRIPTION OF AMOUNT IN BOX4 

Box 6. Voluntary Federal Income Tax Withheld 

NONE 

Box 7. Address 

ELHAM T ATTO 

30131 GRUENBURG DR 

WARREN MI 48092-3362 

Box 8. Claim Number (Use this number if you need 

to contact SSA.) 

DO NOT RETURN THIS FORM TO SSA OR IRS

FORM SSA-1099SM 

- SOCIAL SECURITY BENEFIT STATEMENT 

TAXABLE INCOME 

2025 

o 

PART OF YOUR SOCIAL SECURITY BENEFITS SHOWN IN BOX 5 MAY BE 

» 

SEE THE REVERSE FOR MORE INFORMATION 

Box 1. Name 

NOBEL H ATTO 

Box 3. Benefits Paid in 2025 

in 2025 

$20,328.00 

NONE 

Box 4. Benefits Repaid to SSA 

Box 2. Beneficiary's Social Security Number 

DESCRIPTION OF AMOUNT IN BOX 3 

Paid by check or Direct deposit $20,328.00 

Total Additions $20,328.00 

Benefits for 2025 $20,328.00 

DESCRIPTION OF AMOUNT IN BOX 4 

NONE 

Box 6. Voluntary Federal Income Tax Withheld 

NONE 

Box 7. Address 

NOBEL H ATTO 

30131 GRUENBURG 

WARREN MI 48092-3362 

Box 8. Claim Number (Use this number if you need 

to contact SSA.) 

DO NOT RETURN THIS FORM TO SSA OR IRS 

—

DOCKET NUMBER: 26-000867 

PARCEL TAX .D. NO. 13-07-256-033 

PETITIONER: NOBEL ATTO 

CHASE BANK #7401 

OUR CREDIT UNION #7003 

01/01/25 THRU 12/31/2025 

01/01/25 THRU 12/31/2025 

MISC. DEPOSITS 

MISC. DEPOSITS 

25-Jan 

$0.00 

25-Jan 

$157.77 

25-Feb 

$0.00 

25-Feb 

$28.51 

25-Mar 

$0.00 

25-Mar 

$190.25 

25-Apr 

$0.00 

25-Apr 

$0.00 

25-May 

$0.00 

25-May 

$70.60 

25-Jun 

$0.00 

25-Jun 

$126.93 

25-Jul 

$0.00 

25-Jul 

~~ $211.46 

25-Aug 

$0.00 

25-Aug 

$50.00 

25-Sep 

$550.00 

25-Sep 

$152.72 

25-Oct 

$0.00 

25-Oct 

$0.00 

25-Nov 

$0.00 

25-Nov 

~~ $30.73 

25-Dec 

$0.00 

25-Dec 

$0.00 

TOTAL: 

$550.00 

TOTAL: 

$1,018.97 

TOTAL: 

$1,568.97

STATE OF MICHIGAN 

DEPARTMENT OF LICENSING & REGULATORY AFFAIRS 

MICHIGAN ADMINISTRATIVE HEARING SYSTEM 

MICHIGAN TAX TRIBUNAL 

NOBEL ATTO 

Petitioner, 

Parcel I.D. No. 

13-07-256-033 

M.T.T. Docket No. 

26-000867 

CITY OF WARREN, 

Address 

30131 GRUENBURG 

Respondent. 

/ 

NOBEL ATTO 

Michigan Tax Tribunal 

30131 GRUENBURG 

Po Box 30232 

Warren, MI 48092 

Lansing, MI 48909 

Sara Capa, MAAO 

One City Square, Suite 310 

Warren, Michigan 48093 

(586) 574-4531 

/ 

PROOF OF SERVICE 

STATE OF MICHIGAN) 

) SS. 

COUNTY OF MACOMB) 

On the date below, 

| sent by first-class mail a copy of Respondent’s Evidence 

: 

NOBEL ATTO 

Michigan Tax Tribunal 

30131 GRUENBURG 

Po Box 30232 

Warren, MI 48092 

Lansing, MI 48909 

| declare that the statements above are true to the best of my information, 

knowledge, and belief. 

SC 

Sara Capa 

- 

August 24, 2026

4 

pe tsb 

et gl 

WAHHEN 

Assessor’s Orrice, Suite 310 

One City Square 

Warren, MI 48093-2397 

MICHIGAN

PO 

LANSIN

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