Nulf.pdf

Terrie H Nulf, Petitioner V City Of Battle Creek, Respondent · 26-000264-TT

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GRETCHEN WHITMER 

GOVERNOR 

STATE OF MICHIGAN 

DEPARTMENT OF LICENSING AND REGULATORY AFFAIRS 

LANSING 

RECEIVED 

JAN 29 2026 

MICHIGAN TAX TRIBUNAL 

MARLON i. BROWN, DPA 

DIRECTOR 

PROPERTY TAX APPEAL PETITION FORM 

POVERTY EXEMPTION 

Do not use this form to appeal Principal Residence Exemption, Qualified Agricultural Exemption, Disabled Veterans 

Exemption, or other exemption disputes. 

Pursuant to Tax Tribunal Rule (TTR) 279, you MUST submit a copy of the notice giving rise to the appeal (i.e., Board of 

Review Decision or other natice) with this petition. 

If you do not submit this document, you may be held in defautt. 

First Name ___ 

Section 1: Petitioner’s Contact Information 

Torts 

MI 

Last Name/Campany Name 

Ho 

NOTE 

Eity or To 

7 hoo (No., § Street, P.O. Box or Rural Route) 

OK SONY a [o 

Telephone Number 

Rett le 

Co 

State 

mI 

ZIP Code Ey IA 

209-22 3-0% 1% 

F, ail Address {do not enter unle SS 

you want MTT to send all correspondence via email) 

© on 

1 EA Ped 

(0) Simon le (own 

First Name 

Section 2: Petitioner’s AttorneylAuthorized Representative’s Contact information 

Last Name 

Firm Name (if any) 

Mailing Address {No., Street, P.O. Box or Rural Route} 

City or Town 

Telephone Number 

State 

ZIP Code 

Email Address (do not enter unless you want MTT to send all correspondence via email) 

Section 3: Subject Property Information 

Parcel Identification Number: led ~ 17 = FHA ~C 

Property Address {No., Street) 

260% Sond 

TD 

City 0; 

Tow, 

County 

| State 

fr.ood e 

Bothle 

 Creok 

|COlnoup 

Wr dene 

Taxing “Athority (City or Township) 

M

STATE OF MICHIGAN 

. 

GRETCHEN WHITMER 

DEPARTMENT OF LICENSING AND REGULATORY AFFAIRS 

MARLON I. BROWN, DPA 

i 

GOVERNOR 

LANSING 

DIRECTOR 

Section 4: EXPLal the oo for this Appeal 

1ol3 ona 

GN 

Cha PoP 

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iy 

When x hoy el 

IY 

As pq my Pros of Coma from 

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Tndhe pep 

CDS 

hes cel ude 

XempPEOnl, 

Trove encloSed SSID pape Lowe 

and Foun G3 

Cov @lemipd, Cr Ao 0 

Thank 

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Sin NDIA RIA 5) 

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Jen a. fey Lay SHEE 

OR 

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= 

vt, 

Section 5: Jurisdictional Issues 

Did you request a poverty expmplion at 

ata Board of Review {BOR}? ie < No 

osc mes 

ir. 

Fo lbea 

WOUDHen't thewe bpel oo 

Do OF 

if Yes, check which BOR you attended: | March 

[Hl] July 

I] Slo 

If No, please explain: 

A150 

0s Cod po Contin Co nie) 

QA. 

Date the BOR decision was issued: 

Tax year(s) denied: 707 5% 

5 

70, 24 

Fee Information 

There is no fee required for the filing of a poverty exemption appeal. 

Signature *required 

Petitioner 

gr Attorney/Autharized Representative’ Tm 

wf 

2nd ot 

4) 

Er 

V4 

TF 

1 %

Social Security Administration 

oozes. 

Date: 

January 6, 2026 

v2 

BNC#: 

26BC420K84249 

) 

REF: 

DI 

NTE (ATR 

EA 

IRE 

UTR 

El 

T3 P2 186267-7-5-1 

- 1245 BEV 01086 

TERRIE H NULF 

12608 SONOMA RD 

BATTLE CREEK MI 49015-9366 

001245 

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 Supplemental Security Income Payments 

Beginning January 2026, the current Supplemental Security Income 

payment is $ 994.00. 

This payment amount may change from month to month if income or living 

situation changes. 

Supplemental Security Income Payments are paid the month they are due. 

(For example, Supplemental Security Income Payments for March are paid in 

March.) 

Date of Birth Information 

The date of birth shown on our records is April 20, 1959. 

Type of Supplemental Security Income Payment Information 

You are entitled to monthly payments as 

a disabled individual. 

Suspect Social Security Fraud? 

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

at 1-800-269-0271 (TTY 

1-866-501-2101). 

fow7 ofp

STATE OF MICHIGAN 

* 

GRETCHEN WHITMER 

DEPARTMENT OF LICENSING AND REGULATORY AFFAIRS 

MARLON I. BROWN, DPA 

GOVERNOR 

LANSING 

DIRECTOR 

PAPER FILING INSTRUCTIONS FOR POVERTY EXEMPTION APPEAL 

Follow these instructions for completing this Small Claims petition form. 

For questions 

that are not answered by these instructions, please visit the Tribunal's website at 

www.michigan.govftaxtrib or contact the Tribunal at 517-335-9760. 

Mail the completed form to: 

Michigan Tax Tribunal 

611 W. Ottawa St., Lansing, MI 48933 

U.S. Postal Mailing Address: PO BOX 30232, Lansing, MI 48909 

Other Carriers (UPS, FedEx, DHL): 

2nd Floor MTT, 2407 N. Grand River Avenue, Lansing, MI 48906 

Section 1: Petitioner's Contact Information: “Petitioner” is the person, business, or 

entity filing the appeal. 

Section 2: Petitioner's Attorney/Authorized Representative’s Contact Information: 

Petitioner does not have to be represented by an attorney or authorized representative 

to file an appeal with the Tribunal. 

If Petitioner is represented, provide all contact 

information for the attorney or authorized representative. 

If Petitioner elects to have an 

attorney or authorized representative, only the attorney or authorized representative will 

receive notices and other documents from the Tribunal. 

IMPORTANT: If the contact information for Petitioner or Petitioner's attorney or 

authorized representative, 

if listed, includes an email address, the Tribunal will use that 

email address to electronically serve all future notices and documents issued by the 

Tribunal. Once an email address is provided, a request to opt out of electronic service 

must be made in writing. 

Section 3: Subject Property information: 

« 

Parcel Identification Number: Provide the parcel number of the property being 

appealed. 

+ 

Property Address: Provide the address of the property being appealed. 

Include 

Street address, City or Town, County, State, and Zip Code. 

« 

Taxing Authority: Provide the name of the city OR township (not both) where 

the property being appealed is located.

STATE OF MICHIGAN 

GRETCHEN WHITMER 

DEPARTMENT OF LICENSING AND REGULATORY AFFAIRS 

MARLON I. BROWN, DPA. 

GOVERNOR 

LANSING 

DIRECTOR 

* 

If Yes, check which BOR you attended: If Petitioner requested a poverty 

exemption at a BOR, indicate whether the application was considered by the 

March, July, or December BOR. 

+ 

If No, explain why: 

If Petitioner did not request a poverty exemption at a BOR, 

explain the reason(s) why. 

+ 

Date the BOR decision was issued: Identify the date listed on the BOR 

decision. 

+ 

Tax year(s) denied: Identify the tax years for which a poverty exemption was 

denied. 

Fee Information: There is no fee for filing a poverty exemption appeal. 

If you also wish 

to dispute the valuation of the property, a valuation petition form must be separately 

filed, along with the required filing fee, if applicable. 

Signature: If Petitioner is unrepresented, Petitioner must sign the petition form. 

If an 

attorney or other authorized representative is identified in Section 2 of the petition form, 

the petition form must be signed by that attorney or authorized representative and not 

petitioner, 

REMINDERS: 

Pursuant to TTR 279, a copy of the Board of Review decision or other notice 

giving rise to the appeal must be submitted with the petition. 

You must submit the original, completed, signed petition form to the Tribunal. You 

should also keep a copy for yourself. 

The Tribunal will issue a Notice of Filing after an answer is filed and indicate the case is 

ready for the scheduling of a hearing. 

The Tribunal will send a notice of hearing to the parties no less than 45 days in advance 

of the hearing. 

To check the status of your appeal, visit our website at www.michigan.gov/taxtrib and 

click on the “Docket Search” option.

2025 Application for Reduction in Property Taxes 

Documents Needed and Important Dates 

Please review the list below and the Guidelines and Instructions pages 

1) 

The os eile and signed application form, which includes a complete listing of all persons 

, showing their age, employment/disability status, and income. 

2) 

If the property is not in your name currently due to an unrecorded land contract or otherwise, then 

- 

provide proof of ownership. 

3) 

Please review the required documentation to be included with the application. 

For statements from 

bank, retirement, annuity, cash value life insurance, brokerage, or other financial asset accounts held 

by you or any person residing in 

your household 

provide at least three 

(2) months 

(more is 

preferred) 

of information. If 

you 

are 

abl 

r 

ths, 

please 

explain 

the 

rez 

rn 

4) 

Deadline dates for the hardship applications: 

For the application to be heard at the March 2025 Board of Review: 

El 

ED 

The application must be received by March 7, 2025. 

REC 

v 

E 

—_ 

i 

—— 

MAY 2 9 2025 

For the application to be heard at the July 2025 Board of Review: 

The application must be received by July 11, 2025. 

ASSESSORS OFFICE 

For the application to be heard at the December 2025 Board of Review: 

Cl 

The application must be received by December 5, 2025. 

5) 

Deliver the application and all documents to: 

City of Battle Creek 

City Assessor 

10 Division St N; Ste 112 

Battle Creek, MI 49014 

When will the application be considered? 

After you complete the application and furnish all required documentation, the City Assessor will determine if you 

meet the guidelines as established by the Battle Creek City Council. 

If so, then the application must go before 

the city's Board of Review for approval. This takes place only in March, July, or December. PLEASE NOTE THE 

DEADLINES FOR SUBMITTING YOUR APPLICATION. 

If your application is approved after a tax bill for the 

year has been issued, then that bill will be recalculated in the lowered amount. 

ou appl 

An application for tax reduction is valid for the 

year 

. You must reapply 

each 

year.

Guidelines and Instructions 

for a Poverty Exemption Application 

For 2025 

If granted an exemption, it is for the current year only. The Poverty exemption is intended to be a temporary form of 

assistance. 

Per, MCL 211.7u(3), the application for consideration must be received by the Assessor's Office at least one day prior 

to the last session of the Board of Review. Board of Review dates are posted annually and may also be found at 

www.battlecreekmi.gov or by calling (269) 966-3311. This application can be submitted by mail, if received one day 

prior to the last session of the Board of Review. 

The application must be filled out in its entirety and all requested documentation must be attached. 

If an area does 

not apply to the applicant, "N/A" must be used. If the application is not complete or requested documentation is not 

included, the Board of Review will deny the exemption. All pages included with this application must be returned when 

the application is submitted for review. 

Per MCL 211.7u(7), 

a person who files 

a claim for Poverty exemption is not prohibited from also appealing the 

assessment on the property to the Board of Review in the same year. 

Required Documentation to be Attached to Poverty Exemption Application 

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

included with the application including any property tax credit returns. The tax returns may be from the current or 

preceding tax year. 

If any person 

in the household 

is not required to file federal or state tax returns, the included 

affidavit, 

The most recent statement for all bank accounts, investments, IRAs, CDs, 401Ks, money market, annuities, etc. The 

statement submitted must be complete with no missing pages and submitted for all persons residing in the home. 

Proof of income and assets from the Social Security Administration, Veterans Administration, Medicare, Medicaid, 

Bridge Card, and any College or University scholarships for all persons residing in the home. 

The most recent mortgage statement of the primary residence under review, including any reverse mortgages. 

If primary residence being sought for exemption was purchased within the past two years of this application, 

homeowner's closing statements must be submitted with application. 

Common Reasons for Denial of Poverty Exemption Application 

Below are common reasons (but not an exhaustive list) of why a claim for Poverty Exemption is denied: 

Failure to fill out all areas of the application, including "N/A" in areas not applicable to the applicant or signing the 

application. 

Failure to include State and Federal Income taxes or property tax credit returns for current or one preceding year for 

all persons residing in the home.

INCOME GUIDELINES FOR POVERTY EXEMPTION 

This amount published annually by the US Dept. of Health and Human Services 

To qualify for a property tax Hardship Reduction, 

your income cannot be higher than the amount in 

the "Qualifying Income Level" column for the 

number of persons in your household. 

In addition, 

you must meet the other requirements. 

Number of persons in household 

1 person Jee 

p)o) 

AL 

| | 2% 

$15,060 

2 persons 

$20,440 

3 persons 

$25,820 

4 persons 

$31,200 

5 persons 

$36,580 

6 persons 

$41,960 

7 persons 

$47,340 

8 persons 

$52,720 

Increase for each additional person over 8 

$5,380 

This page and table will be updated annually to reflect the federal changes. 

According to the US Census Bureau, "income" includes: 

- Money, wages, and salaries before any deductions 

- Net receipts from non-farm self-employment. (These are receipts from a person's own business, professional 

enterprise, or partnership, after deductions for business expenses.) 

- Net receipts from farm self-employment. (The same provisions as above for self-employment.) 

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

ASSET LEVEL GUIDELINES FOR POVERTY EXEMPTION 

The asset level does not include the primary residence for which exemption is being sought. It does include, 

but is not limited to: 

- A second home, additional land not associated with the primary residence, or other buildings other than 

the primary residence being sought for exemption. 

- Vehicles and other recreational vehicles such as motor homes, campers, ATVs, boats, and motorcycles. 

- Jewelry, antiques, artwork, equipment, and other personal property of value. 

- Bank accounts, stocks, bonds, and investments. This also includes the money received from the sale of 

stocks, bonds, investments, cars, and houses unless 

a person 

is in the specific business of selling such 

property. 

- Withdrawals of bank accounts and borrowed money. 

- Gifts, loans, lump-sum inheritances, and one-time insurance payments. 

- Food or housing received in lieu of wages and the value of food and fuel produced and consumed on farms. 

- Federal non-cash benefits programs such as Medicare, Medicaid, food stamps, and school lunches. 

- The total interest income in all accounts (checking, savings, CDs, IRAs, 401Ks, money market, annuities, etc.) 

- The applicant shall not have ownership interest in any real estate other than the primary residence being 

considered for exemption. 

Cash Assets for the total household may not exceed an amount equal to one month’s gross household 

income. 

Non-Cash assets for the total Household may not exceed $5,000.

Michigan Department of Treasury 

5737 (01-21), Page 1 of 4 

Application 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. 

MOL 211.7u of the General Property Tax Act, Public Act 206 of 1893, provides a property tax exemption far 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 property is located. This application 

may be submitted to the city or township the property is located in each year on or after January 1. 

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 

__, 

Daytime Phone Number 

Ttie ANUIE 

749 -22ZE-0Y 

Age of Petitioner 

Marital Status 

Age of Spouse 

Number of Legal Dependents 

Divenced 

Property Address of Principal Residence 

City 

State 

ZIP Cade 

20% Sonovo- RH 

Battle (eek 

mz. | Y9als 

i 

. 

3 

"Amount of Homestead Property Tax Credit 

Check if applied for Homestead Property Tax Credit 

PART 2: REAL ESTATE INFORMATION 

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

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

Property Parcel Code Number 

Name of Mortgage Company 

¢?le~\2.-339-0 

A LA 

Unpaid Balance Owed on Principal Residence 

Monthly Payment 

Length of Time at this Residence 

Property Description 

Yionee~y ACRES N62. Lot 

139 

"PART 3: ADDITIONAL PROPERTY INFORMATION 

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

N 

N 

Al 

it of | 

Earned 

f 

ther 

Pi 

=! Check if you own, or are buying, other property. If checked, complete the | 

Ameunt of income 

Famed 

rom 

or 

Proporty 

information below. 

. 

Property Address W. 

/ 1 

City 

State 

ZIP Code 

1 

Name of Owner(s)” 

— 

. 

Assessed Value 

Date of Last Taxes Paid 

Amount of Taxes Paid

5737, Page 2 of 4 

PART 

4 EMPLOYMENT INEORM ATION 

HH Your current employment informad 

Name of Employer 

ya 

Address &f Employer 

City 

State 

ZIP Code 

Contact Person 

Employer Telephone Number 

\RT'5/ 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 

(indicate which) 

Dishifiber- Socio) Secorilsy 

“370+ 

9, py 

Source of Income 

‘PART 6: CHECKING, SAVINGS AND INVESTMENT INFORMATION 

List any and all savings owned by all household members, 

i 

accounts, postal savings, credit union shares, certificates of d 

persons residing at the property. 

including but not limited to: checking accounts, savings 

eposit, cash, stocks, bonds, or similar investments, for all 

Name of Financial Institution 

Amount 

Current 

Value of 

COR 

Siinvestments 

AY os 

on TIE: 

Interest Rate; 

Name on Account 

Investment 

[CY 

RAS) 

[74 

Gey 

ES 

” 

4 

DNion 

CO 

Bele AL 

& 

PART 7: LIFE INSURANCE — List all policies held by all household members. 

Amount of 

Monthly 

Policy Paid in 

Name of Insured 

Policy 

Payments 

Full 

yl 

PART 8: MOTOR VEHICLE INFORMATION 

Relationship to 

Name of Beneficiary 

Insured

5737, Page 3 of 4 

BART 9; HOUSEHOLD OGGUPANTS — List all persons living in the household. IB 

Relationship 

$ Contribution to 

First and Last Name 

Age 

to Applicant 

| Place of Employment] 

Family Income 

TesAie. 

NVI 

kb 

|3e1¢€ 

Disab it 

320-60 

PART 10: PERSONAL DEBT — List all personal debt for all household members. 

Date 

Creditor 

Purpose of Debt 

of Debt 

| Original Balance [Monthly Payment] 

Balance Owed 

« 

Gren gop 

Cee Cot) 

[AN 

ate) 

Had 

| 967, GC 

"PART 11: MONTHLY EXPENSE INFORMATION 

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

necessary. 

Ko 

RD) 

. 70 

2) 

Water Wa 

Phone py / / 4 

Cable 

R 

Food 

5 

Clothing 

Health insurance 

wk l2:00, 

: 

5000 

Ts

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 

11: 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 guidetines 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. 

fimo 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 12: CERTIFICATION 

I 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. 

Printed Name 

Date 

Terie 

Nul§ 

deo 

Lu] 

58-3025 

This application shall be filed after January 1, but before the day prior tothe 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 35 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 

E-mail: taxtrib@michigan.gov

Michigan Department of Treasury 

5739 (01-21) 

Affirmation of Ownership and Occupancy to Remain Exempt by Reason 

.of Poverty 

Thisfarm is Issued under the authority of Public Act 253 of 2020. 

This form is to be used to affirm ownership, occupancy, and income status. MCL 211 .7u(2) provides that, to be eligible for 

exemption under this section, a person shall, subject to subsection (6) and (8), annually affirm that the applicant owns and 

occupies, as a principal residence, the property for which an exemption is requested. 

TEXRT 1: OWNER INFORMATION — Enter information for the person owning and occupying the residence. 

Owner 

Mame 

ie 

Owner Telephone Number 

eqsre 

NylE 

2042235- OIL 

Mailing Address 

City 

State 

ZIP Code 

17 oY sovioymc. RD 

Rote Cqoek 

mE G00 

BART 3: LEGAL DESIGNEE INFORMATION (Complete if applicable.) 

Legal Designee Name 

Daytime Telephone Number 

Mailing Address 

City 

State 

ZIP Code 

PART 3: HOMESTEAD PROPERTY INFORMATION — Enter information for property in which the exemption is being claimed. 

Clty or Township (check the appropriate box and enter name) 

County 

ey 

[] Township 

[| Village 

Calwoon 

Name of Local School District 

Locked 

Parcel identification Number 

Year(s) Exemption Previously Granted by Board of Review 

bTle 12-3390 

Homestead Property Address 

State 

ZIP Code 

120% 

Sopnpiic. RO 

Bottle CAceX. 

mi els 

PART 4: AFFIRMATION OF OWNERSHIP, OCCUPANGY, AND INCOME STATUS {Check all boxes that apply.) 

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

3 The property 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 homme. 

1 After establishing initial eligibility for the exemption, my income and asset status has remained unchanged and/or 

| receive a fixed Income solely from public assistance that is not subject to significant annual increases beyond the 

rate of inflation, such as federal Supplemental Security Income or Social Security disability or retirement benefits. 

PART 5: CERTIFICATION 

| hereby certify to the best of my knowledge that the information provided on this form is true and 

1 am eligible to receive 

an exemption from property taxes by reason of poverty pursuant to Michigan Compiled Law, Section 211.74. 

7 Legal Designee Name (print) ) wd] 

— 

Signagure of Owner or Legal Designee 

Date 

7 

lor: 

5-30-26 

0 

fA 

/ 

We 

8 "30-2 

[4

Michigan Department of Treasury 

4988 (05-12) 

Poverty Exemption Affidavit 

This form Is issued under autharity of Public Act 206 of 1893; MCL 211.74. 

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 retums for all persons residing in the principal 

residence, including property tax credit returns, or by filing an affidavit for all 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, 

_le~4~ ie 

AJ Vi |£ 

, 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. 

Address of Principal Residence: 

| 7, (203% 

Sanaa 

1D 

Battle Cxoer, 

mz 

 4YGp)4 

J a 

UY 

SZ -2A 

Signaturg 

of Person Making Affidavit 

Date

Page: 1 

(@ consumers 

credit union 

P.O. Box 525 

- Oshtemo, MI 49077 

TERRIE NULF 

12608 SONOMA ROAD 

Shae 

Battle Creek, Ml 49015 

a 

M (@) RTGAG E 

Statement Summary 

Member 

Numb 

Total Shares: 

$1,845.57 

cn er on o 

Aor 

01. 2025 to Aor 

30, 2025 

Total Certificates: 

$0.00 

atement 

Perfo: 

prot 

to 

Apr 

30, 

Total Loans: 

$0.00 

Summary of Accounts 

Primary Share (xxx031) 

$26.59 

New Checking (xxx303) 

$1,818.98 

Primary Share - 9102835031 

Account Holders: Terrie Nulf 

Account Summary 

Beginning Balance 

$26.59 

Total Check{s) & Debits {-) 

-$0.00 

Ending Balance 

$26.59 

Total Deposit(s} {+) 

+ $0.00 

Transaction Details 

POSTED DATE 

~~ TRANSACTION DESCRIPTION 

DEPOSITS(+) 

WITHDRAWALS(-) 

BALANCE 

There was no activity for this account during the reported period 

$26.59 

Account Fee Summary 

Overdraft Fees This Period 

$0.00 

Returned Item Fees This Period 

$0.00 

Overdraft Fees Year-to-Date 

$0.00 

Returned ltem Fees Year-to-Date 

$0.00 

~ Simple Checking (New Checking) 

Account Holders: Terrie Nulf

Page: 1 

consumers 

credit union 

P.O. Box 525 

+ Oshtemo, Mi 49077 

y % NO PMI 

TERRIE NULF 

Sere 

g ow N 

12608 SONOMA ROAD 

Eee 

2 

4 

me 

~ 

= 

em 

~~ 

MORTGAGE 

Statement Summary 

ro 

ber 

Numb 

Total Shares: 

$60.79 

J <r oo or 

Mar 

01, 

2025 to Ma 

HI 

Total Certificates: 

$0.00 

atement 

Period: 

ar 

01, 2025 

to 

Mar 

31, 

5 

Total Loans: 

$0.00 

Summary of Accounts 

Primary Share {xxx031} 

$26.59 

New Checking Eo] 

$3420 

Primary Share 

Account Holders: Terrie Nulf 

Account Summary 

Beginning Balance 

$26.59 

Total Check(s} & Debits (-} 

- $0.00 

Ending Balance 

$2659 

Total Deposit(s) (+) 

+ $0.00 

Transaction Details 

POSTED DATE 

~~ TRANSACTION DESCRIPTION 

DEPOSITS(+) 

WITHDRAWALS(-) 

BALANCE 

There was no activity for this account during the reported period 

$26.59 

Account Fee Summary 

Overdraft Fees This Period 

$0.00 

Returned Item Fees This Period 

$0.00 

Overdraft Fees Year-to-Date 

$0.00 

Returned item Fees Year-to-Date 

$0.00 

Simple Checking (New Checking) 

-' 

Account Holders: Terrie Nulf

Page: 2 

& 

w 

Transaction Details 

consumers 

er 

aradit union 

Statement Period: 

Apr 01, 2025 to Apr 30, 2025 

1 

P.O. Box 525 

+ Oshtemo, Ml 49077 

POSTED DATE 

~~ TRANSACTION DESCRIPTION 

DEPOSITS(+) 

WITHDRAWALS(-) 

BALANCE 

Apr 03 

ACH DEBIT MIEFT GREENPATH Mi iD1386142925 

$59.45 

$118.98 

Apr 29 

DEPOSIT 

. 

$170000 LyGuvapu ce 

 $181898 

; 

or 

Account Fee Summary 

~L bos 

hoyre 

} Yeo 

Overdraft Fees This Period 

$0.00 

Returned Item Fees This Period 

$0.00 

Overdraft Fees Year-to-Date 

$35.00 

Returned tem Fees Year-to-Date 

$0.00 

SUMMARY OF ALLACCOUNTS 

Year to Date 

ACCOUNT NAME 

ACCOUNT # 

DIVIDENDS 

PENALTIES WITHHOLDINGS 

[NTEREST CHARGED YTD 

LOAN FEES YTD 

Primary Share 

Simple Checking 

_ 

Disclosures and Information 

In Case of Errors or Questions About Your Electronic Transfers: Call us at 800.991.2221 or write us at the address on this statement as soon as you can if you 

think your statement or receipt is wrong or if you need more information about a transfer 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 error or problem appeared. 

Please be prepared to give us the following information: 

+ 

Tell us your name and account number (if any}. 

. 

Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more 

information. 

«Tell us the dollar 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 the use of the money during the time it takes us to complete our 

investigation.

Page: 2 

(@ consumers 

Ep 

credit union 

Statement Period: 

Mar 01, 2025 to Mar 31, 2025 

P.O. Box 525 

» Oshtemo, MI 49077 

Transaction Details 

POSTED DATE 

~~ TRANSACTION DESCRIPTION 

DEPOSITS{+} 

WITHDRAWALS(-) 

BALANCE 

Mar 11 

ACH CREDIT PMT/REFUND STATEOFMICHIGAN IDO18-DHSSS! 

$42.00 

$134.20 

Mar 12 

WITHDRAWAL 

$100.00 

$34.20 

Account Fee Summary 

Overdraft Fees This Period 

$0.00 

Returned Item Fees This Period 

$0.00 

Overdraft Fees Year-to-Date 

$35.00 

Returned Item Fees Year-to-Date 

$0.00 

- SUMMARY OF ALL ACCOUNTS 

Year to Date 

ACCOUNT NAME 

ACCOUNT # 

DIVIDENDS 

PENALTIES WITHHOLDINGS 

INTEREST CHARGED YTD 

LOAN FEES YTD 

Primary Share 

Simple Checking 

Disclosures and Information 

In Case of Errors or Questions About Your Electronic Transfers: Calf us at 800.991.2221 or write us at the address on this statement as soon as you can if you 

think your statement or receipt is wrong or if you need more information about a transfer 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 error or problem appeared. 

Please be prepared to give us the following information: 

. 

«Tell us your name and account number {if any). 

. 

Describe the error or the transfer you are unsure about, ond explain as clearly as you can why you believe it is an error or why you need more 

information, 

+ 

Tell us the dollar 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 the use of the money during the time it takes us to complete our 

investigation.

2025 DECEMBER BOARD OF REVIEW 

Change Notice 

PO BOX 1717 

Parcel Number: 

6710-12-339-0 

Property Address: 

12608 SONOMA RD 

Date Printed: 12/15/2025 1 

School District: 

13080 

Property Class: 

401 

Current PRE/MBT %: 

100.00 

NULF, TERRIE HELEN 

12608 SONOMA RD 

BATTLE CREEK MI 49015-9319 

Dear Property Owner: 

On Dec 11, 2025 

| the December Board of Review made the following correction to the values for 

the above referenced parcel. 

Original 

Corrected 

Year 

Assessed 

Taxable 

Year 

Assessed 

Taxable 

107,170 

77,644 

2024 

107,170 

77,644 

2025 

112,100 

80,050 

2025 

112,100 

80,050 

2024. 

th 

item 

that 

the 

Pye 

bei 

oard 

F 

Review 

1anged 

By law, the December Board of Review meets to correct qualified errors and exemption items under 

the review of the Board. The December Board of Review has taken the following action concerning 

your real and/or personal property. Please note: 

if the original and corrected numbers are the same, 

there was no change to the value. 

If the taxable value changed for the current year, a revised bill will be issued from the City of Battle 

Creek Treasurer. 

If the parcel's taxable value changed for a prior year, then a revised bill will be 

issued from the Calhoun County Treasurer's office. 

EXEMPTION REQUEST DENIED. REQUIRED SUPPORTING DOCUMENTATION WAS NOT 

PROVIDED WITH APPLICATION. INCOME AND ASSETS COULD NOT BE VERIFIED. OWNER IS 

ENCOURAGED TO REAPPLY EVERY YEAR AS INCOME MAY CHANGE AND QUALIFYING 

INCOME LIMITS ARE REESTABLISHED EACH YEAR. 

BATTLE CREEK, MI 49016-1717 

Ph: 269-966-3369 

WWW.battlecreekmi.gov

RECEIVED 

CITY OF BATTLE CREEK, MICHIGAN 

MAY 2 8 2025 

OFFICE OF THE CITY ASSESSOR 

ASSESSORS OFFICE 

CITY OF BATTLE CREEK 

2024 GUIDELINES FOR PETITIONER(S) REQUESTING 

POVERTY EXEMPTIONS 

BY LAW, ALL BOARD OF REVIEW MEETINGS AND INFORMATION DISCUSSED ARE OPEN TO THI 

PUBLIC. 

EVIDENCE GIVEN TO THE BOARD OF REVIEW OR THE ASSESSOR IS SUBJECT TO THE 

FREEDOM OF INFORMATION ACT. INFORMATION REQUESTED UNDER THIS ACT MAY BE RELEASED 

TO THE PUBLIC. 

4 

The annual filing of the application and all requested documents must be given to the local Assessor after January 

1st but before the conclusion of the last day of the board of review. 

For tax year 2024 the application and all required documents must be received no later than 2 days prior to 

one of 

March 2024* 

for action by the March Board of Review or 

July 2024 * 

for action by the July Board of Review or 

December 2024* 

for action by the December Board of Review 

(*Actual meeting dates will vary year to year, see the City of Battle Creek webpage for actual dates) 

To be eligible for the Poverty Exemption a person (not a corporation) shall do all of the following on an annual 

basis. 

If the petitioner meets all requirements, the Board of Review will grant a 50% reduction in the 2024 

property taxes. 

1. The petitioner must own and occupy the property and have a valid Principal Residence Exemption 

filed with the Assessor’s Office or a valid Qualified Agricultural Exemption, 

2. File Treasury Form 5737 also known as Application for MCL 211.7u Poverty Exemption. 

3. Provide the current or prior year’s Federal and State income tax returns for you and for all household 

members including any credit returns. 

If a person other than the owner of the property is not 

required to file and federal or state income tax return, an affidavit Treasury Form 4988 may be 

accepted in their place. Note: The owner would qualify to file the state’s Homestead Property Tux: 

Credit and possibly other credits. 

4, Petitioner’s total household gross income cannot exceeds the federal poverty guidelines published 

in the prior calendar year by the U.S. Department of Health and Human Services as provided by the 

State Tax Commission. 

FAMILY SIZE 

ANNUAL 

MONTHLY 

HOUSEHOLD 

HOUSEHOLD 

INCOME 

INCOME

A family of -7- shall make no more than 

$45,420 

$3,785 

A family of -8- shall make no more than 

$50,560 

$4,213 

Tor each additional person add 

$5,140 

$428 

Page# 1 

5. Cash assets for the total household may not exceed an amount equal to one month's gross household 

income (see above table). 

Must provide the TY 

recent statements for every bank, retirement, annuity, cash value life 

insurance, brokerage, or other financial asset accounts held by you or any person residing in your 

household. 

Cash assets include but not limited to: 

Bank accounts and stocks 

Money received from the sale of property, such as stocks, bonds, a house or car (unless a person 

is in the specific business of selling such property) 

Withdrawals of bank deposits and borrowed money 

Gifts, loans, lump-sum inheritances and one-time insurance payments 

6. Non-cash assets for the total household may not exceed $5,000. 

Provide a statement detailing any assets owned by any person residing in your household, other than 

normal household goods and items listed on the application. 

Non-cash assets include but not limited to: 

A second home or land 

Recreational vehicles such as campers, motorhomes, boats and ATV's 

Buildings other than the residence 

. Jewelry, antiques, artworks 

Equipment, other personal property of value 

The following assets are specifically excluded from this limit (does not include): 

Petitioner(s) principal residence property 

Petitioner(s) household personal property 

One vehicle used for personal transportation and titled to a member of the household 

Petitioner(s) interest in Indian trusts' lands 

Assets not accessible by the petitioner(s), co-owner ar any member of the petitionex(s) 

household, 

Any attempt to hide and/or shift income and/or assets to another person, business or corporation shall

Michigan Department of Treasury 

5737 (01-21), Page 1 of 4 

Application 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 property is located. This application 

may be submitted to the city or township the property is located in each year on or after January 1. 

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 — 

Daytime Phone Number 

leeecie. HAV ILL 

201-223 ~O% ly 

Age of ~E 

Marital Status 

Age of Spouse 

Number of Legal Dependents 

© 

NDJorced 

ANA 

© 

: 

Property Address of Principal Residence 

City 

State 

IP Code 

260% SOnmma_ 

RO 

ttle Cxeer 

wr 

l¥/9o 18 

5 

n 

n 

Amount of Homestead Property Tax Credit 

] Check if applied for Homestead Property Tax Credit 

PART 2: REAL ESTATE INFORMATION 

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

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

Property Parcel Code Number 

Name of Mortgage Company 

bHE2-339-() 

AK 

Unpaid Balance Owed on Principal Residence 

Length of Time at this Residence 

JOD: 27 

o "acco 

14 yea 3 

Property Description 

Pionee~ 

cles Nol 

lob 

139 

A) 

PART 3: ADDITIONAL PROPERTY INFORMATION 

NN 

[IH 

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

. 

. 

Al 

t of I 

e Earned from other Propert, 

ml Check if you own, or are buying, other property. If checked, complete the 

| "mo" 

©! neem 

ad 

information below. 

Properly Address 

City 

State 

ZIP Code 

1 

Name of Owner(s) 

Assessed Value 

Date of Last Taxes Paid 

Amount of Taxes Paid

5737, Page 2 of 4 

PART 4: EMPLOYMENT INFORMATION — List your current employment information. 

Name of Employer Pa 

/ 

/) 

) 

v 

Address of Employer 

City 

State 

ZIP Code 

Contact Person 

Employer Telephone Number 

PART 5: 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) 

Scio) Seclsv y= D{Sabled 

DA230 

Manibly 

PART 6: 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 

CONS UMC A 

j 

= 

. 

Cteait, IniGn 

[870,308 

leyyi'e AIT | VIA 

PART 7: 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 

PART 8: MOTOR VEHICLE INFORMATION 

All motor vehicles (including motorcycles, motor homes, camper trailers, etc.) held or owned by any person residing

5737, Page 3 of 4 

PART 9: HOUSEHOLD OCCUPANTS — List all persons living in the household. 

Relationship 

$ Contribution to 

First and Last Name 

Age 

to Applicant 

| Place of Employment | Family Income 

Tere 

AulS 

65 | S015 

[Disabled 

| — 

PART 10: PERSONAL DEBT — List all personal debt for all household members. 

Date 

Creditor 

Purpose of Debt 

of Debt 

| Original Balance [Monthly Payment] 

Balance Owed 

PART 11: MONTHLY EXPENSE INFORMATION 

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

necessary. 

Heating 

Electric 

Water 

Phone 

153.60 

NH 

Cable 

Food 

Clothing” 

~ 

7 

Health Insurance 

16 

it 

~ 

74 

ie 

®)

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 11: 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. 

the 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 12: 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. 

Tre ut 

Ba pf 

IF 

v 

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 35 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 

E-mail: taxtrib@michigan.gov

Page: 1 

(€ consumers 

credit union 

P.O. Box 525 

+ Oshtemo, Ml 4 

RECEIVED 

12-month 

MAY 2 8 2025 

0 " 

EibAd G 

QO | thenostowos 

QTY OF saree co 

5 9 o APR | 7.50% 

TERRIE NULF 

12608 SONOMA ROAD 

Home Equity Line of Credit 

Battle Creek, MI 49015 

Statement Summary 

Taka 

Total Shares: 

$826.75 

co 

er a - 

BaciEi 5633 

3173008 

Total Certificates: 

$0.00 

atement 

Period: 

ec 

01, 

to Dec 

31, 

202: 

Total Lois: 

$0.00 

Summary of Accounts 

Primary Share (xxx031) 

$26.59 

A 

Repayment Account 

$0.00 

0.00000% APR 

New Checking (xxx303) 

$800.16 

Account Holders: Terrie Nulf 

Account Summary 

Beginning Balance 

$2659 

Total Check(s) & Debits (-) 

-$0.00 

Ending Balance 

$26.59 

Total Deposit(s) (+) 

+ $0.00 

Transaction Details 

POSTED DATE 

~~ TRANSACTION DESCRIPTION 

DEPOSITS(+) 

WITHDRAWALS(-) 

BALANCE 

There was no activity for this account during the reported period 

$26.59 

Account Fee Summary 

Overdraft Fees This Period 

$0.00 

Returned Item Fees This Period 

$0.00 

Overdraft Fees Year-to-Date 

$0.00 

Returned Item Fees Year-to-Date 

$0.00 

Simple Checking (New Checking

(@co 

nsumers 

credit union 

P.O. Box 525 

+ Oshtemo, MI 49077 

Transaction Details 

Page: 2 

Member Number: 

Statement Period: 

Dec 01, 2024 to Dec 31, 2024 

BALANCE 

POSTED DATE 

TRANSACTION DESCRIPTION 

DEPOSITS{+) 

WITHDRAWALS(-} 

Dec 10 

ACH CREDIT PMT/REFUND STATEOFMICHIGAN ID018-DHSSS| 

$14.00 

$104.09 

Dec 12 

ACH DEBIT PURCHASE TRACTOR SUPPLY C ID9049000576 BATT 

MI {1326} 

$27.00 

$77.09 

Dec 17 

ACH DEBIT PURCHASE TRACTOR SUPPLY C ID9049000576 BATT MI {1327} 

$62.23 

$14.86 

Dec 24 

CHECK (1325) 

$50.00 

-$35.14 

Dec 24 

COURTESY PAY FEE AMT:$50.00 {1325} 

$35.00 

-$70.4 

Dec 3t 

ACH CREDIT XXSUPP SEC SSI TREAS 310 ID9101736121 

$870.30 

$800.16 

Account Fee Summary 

Overdraft Fees This Period 

$35.00 

Returned Item Fees This Period 

$0.00 

Overdraft Fees Year-to-Date 

$35.00 

Returned Item Fees Year-to-Date 

$0.00 

Checks 

DATE 

CHECK # 

AMOUNT 

DATE 

CHECK # 

AMOUNT 

DATE 

CHECK # 

AMOUNT 

12/24 

1325 

$50.00 

12/12 

1326 

© 

$27.00 

12/17 

1327 

$62.23 

* Indicates an Electronic Check 

* Indicates a break in the check number order 

’ 

Repayment Accoun 

Account Holders: Terrie Nulf 

Account Summary 

Loan Amount 

$161.07 

Available Balance 

$0.00 

Annual Percentage Rate {APR) 

0.00000% 

Daily Periodic Rate 

0.000000% 

Transaction Details 

DATE 

DESCRIPTION 

AMOUNT 

INTEREST 

PRINCIPAL 

BALANCE 

Nov 30 

Previous Balance 

$40.26 

Dec O1 

*** Principal Payment at Payoff 

-$40.26 

-$40.26 

$0.00 

Payment Summary 

Past Due Amount 

$0.00 

Past Due Date 

Next Payment Amount 

$0.00 

Payment Due Date 

12/08/2024 

Total Amount Due 

$0.00 

Loan Interest and Account Fees Summary 

TOTAL FEES CHARGED THIS PERIOD 

$0.00 

TOTAL INTEREST CHARGED THIS PERIOD 

$0.00 

TOTAL FEES CHARGED IN 2024 

$0.00 

TOTAL INTEREST CHARGED IN 2024 

$0.00 

SUMMARY 

OF ALL ACCOUNTS

Page: 3 

[@ consumers 

— 

credit union 

Statement Period: 

Dec 01, 2024 to Dec 31, 2024 

P.O. Box 525 » Oshtero, MI 49077 

"Disclosures and Info 

In Case of Errors or Questions About Your Electronic Transfers: Call us at 800.991.2221 or write us at the address on this statement as soon as you can if you 

think your statement or receipt is wrong or if you need more information about a transfer 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 error or problem appeared. 

Please be prepared to give us the following information: 

+ 

Tell us your name and account number {if any). 

, 

. 

Describe the error or the transfer you are unstire about, and explain as clearly as you can why you believe it is an error or why you need more 

information, 

«+ 

Tel us the dollar 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 the use of the money during the time it takes us to complete our 

investigation. 

74th Annual Meeting Monday, March 24, 2025, at 4:00 pm. at The Grove Campus, 7200 Elm Valley Drive, Kalamazoo. To reserve your seat, please call 

Heather Koprolces at 269.488.1747 or email heather koprolces@consumerscu.org. 

Reservations are needed by Monday, March 10, 2025, In accordance with our bylaws, the nominating committee has nominated incumbents Megyn Forest, 

Kim Shook and Jay Prince to the Board of Directors.

Page: 1 

credit union 

P.O. Box 525 

+ Oshtemo, MI 49077 

(@ consumers 

12-month 

5.99 %|s: 

° 

APR | 7.75% 

TERRIE NULF 

12608 SONOMA ROAD 

Home Equity Line of Credit 

Battle Creek, MI 49015 

3 

; 

: 

Statement Summary 

FO 

—— 

Total Shares: 

$183.01 

reentetioc 

gv 

lige 

Total Loans: 

$40.26 

Summary of Accounts 

Primary Share (xxx031) 

$26.59 

Repayment Account (xxx827) 

$40.26 

0.00000% APR 

New Checking (xxx303) 

$156.42 

Primary Shar 

Account Holders: Terrie Nulf 

Account Summary 

Beginning Balance 

$26.59 

Total Check(s) & Debits (-) 

- $0.00 

Ending Balance 

$26.59 

Total Deposit(s) (+) 

+ $0.00 

Transaction Details 

POSTED DATE 

~~ TRANSACTION DESCRIPTION 

DEPOSITS(+) 

WITHDRAWALS(-) 

BALANCE 

There was no activity for this account during the reported period 

$26.59 

Account Fee Summary 

Overdraft Fees This Period 

$0.00 

Returned Item Fees This Period 

$0.00 

Overdraft Fees Year-to-Date 

$0.00 

Returned Item Fees Year-to-Date 

$0.00 

Simple Checking/(New/Checking)

[@ consumers 

credit union 

P.O. Box 525 

+ Oshtemo, Ml 49077 

Page: 2 

Member Number: 

Statement Period: 

Nov 01, 2024 to Nov 30, 2024 

Transaction Details 

POSTED DATE 

~~ TRANSACTION DESCRIPTION 

DEPOSITS{+) 

WITHDRAWALS(-) 

BALANCE 

Nov 01 

RECURRING - AUTOMATIC LOAN PYMT W/D 

$40.27 

$119.49 

Nov 04 

ACH DEBIT PREM DEBIT MEDICO WELLABE 101470122200 

$26.07 

$93.42 

Nov 12 

WITHDRAWAL 

$80.00 

$13.42 

Nov 29 

ACH CREDIT XXSUPP SEC SSI TREAS 310 ID9101736215 

$943.00 

$956.42 

Nov 30 

WITHDRAWAL 

$800.00 

$156.42 

Account Fee Summary 

Overdraft Fees This Period 

$0.00 

Returned Item Fees This Period 

$0.00 

Overdraft Fees Year-to-Date 

$0.00 

Returned ltem Fees Year-to-Date 

$0.00 

. 

Repayment Account : 

Account Holders: Terrie Nulf 

Account Summ ary 

Loan Amount 

$161.07 

Available Balance 

$0.00 

Annual Percentage Rate (APR) 

0.00000% 

Daily Periodic Rate 

0.000000% 

Transaction Details 

DATE 

DESCRIPTION 

AMOUNT 

INTEREST 

PRINCIPAL 

BALANCE 

Oct 31 

Previous Balance 

: 

i 

$80.53 

Nov 01 

Recurring - Payment ~ Auto Split 

-$40.27 

-$40.27 

$40.26 

Payment Summary 

Past Due Amount 

$0.00 

Past Due Date 

Next Payment Amount 

$40.26 

Payment Due Date 

12/08/2024 

Total Amount Due 

$40.26 

Loan Interest and Account Fees Summary 

TOTAL FEES CHARGED THIS PERIOD 

$0.00 

TOTAL INTEREST CHARGED THIS PERIOD 

$0.00 

TOTAL FEES CHARGED IN 2024 

$0.00 

TOTAL INTEREST CHARGED IN 2024 

$0.00 

SUMMARY OF ALL ACCOUNTS 

Year to Date 

ACCOUNT NAME 

ACCOUNT # 

DIVIDENDS 

PENALTIES WITHHOLDINGS 

[INTEREST CHARGED YTD 

LOAN FEES YTD 

Primary Share 

SAV-9102835031 

Simple Checking 

CKG-9201770303 

Repayment Account 

1L-9702054827

Page: 3 

(@ consumers 

J 

credit union 

Statement Period: 

Nov 01, 2024 to Nov 30, 2024 

P.O. Box 525 

+ Oshtemo, Mi 49077 

Disclosures and Information 

In Case of Errors or Questions About Your Electronic Transfers: Call us at 800.991.2221 or write us at the address on this statement as soon as you can if you 

think your statement or receipt is wrong or if you need more information about a transfer 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 error or problem appeared. 

Please be prepared to give us the following information: 

+ 

Tell us your name and account number {if any}. 

. 

Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more 

information, 

+ 

Tell us the dollar 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 the use of the money during the time it takes us to complete our 

investigation.

PRESS FIRMLY TO SEAL 

PRESS FIRMLY TO SEAL 

~ TRACKED = INSURED 

UNITED STATES 

POSTAL SERVICE » 

= 

B Expected delivery date specified for domestic t 

PRIM

® Domestic shipments include $100 of insurance = ROACH 

Retail 

B USPS Tracking® service included for domestic 

i 

dl 

a 

US POSTAGE PAID 

B Limited international insurance,** 

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- 

Origin: 49016 

8 When used internationally, a customs declarati 

$10 6 5 

01/26/26 

. 

L 

2506800225-56 

*Insurance does not cover certain items. For details regarding 

Mail Manual at http://pe.usps.com. 

** See International Mail Manual at hitp://pe.usps.com for ava. 

PRIORITY MAIL® 

0 Lb 4.50 Oz 

RDC 03 

SHIPPING ENVELOP 

EX 

5 

FOR DOMESTIC AND INTERNATIONAL 

o> DELIVERY DAY: 

03/20/26 

SHIP 

TO: 

611 W OTTAWA ST 

be LANSING MI 48933-1070 

nm 

9505 5124 2865 6026 9416 24 

To schedule free Package Pickup, 

scan the QR code. 

[E72 

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[=] 

USPS.COM/PICKUP 

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PS00000133100 

EP14 December 2024 

PLASTIC 

5 

OD: 15x 11.625 

BAG 

Fy

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