VyStar's Contact Center is open Monday-Saturday

from 7:00 a.m. to 7:00 p.m. excluding holidays and our

online VyChat is available every day from 7:00 a.m. to
7:00 p.m. excluding holidays.
P.O. Box 7256 Call (904) 777-6000 or 1 (800) 445-6289
Sioux Falls, SD 57117-7256 Or visit www.vystarcu.org.
Return Service Requested
AKGJHMFOFLGLAPGMAPANEMDK 00028734 F1226DS1221240551400 01 000000000 0000000 006
AKFMDJONJPHMNEPMLKGPLOKK
ACGCFLBILFNOPJBKECFHKEEK
AHHMPDOPLOKNDCBJNNKILLEK SUSAN C ROLLINS Statement Period: 11/21/2024 - 12/20/2024
ADOPLOEFDPCEPGEEMDAKCLHK
AGMCMKEMKMOOCKEIEACAMKEK 1070 S PONCE DE LEON BLVD Statement Date: 12/20/2024
SAINT AUGUSTINE FL 32084-6018 Member Number: 2315575
00028734 0177094 0001-0005

Page 1 of 5

Summary of Accounts
Account Type Account Number Balance
Regular Checking Account XXXXXXXX6734 38.86-
Primary Savings Account XXXXXXXX7129 5.00

Regular Checking Account Account Number: XXXXXXXX6734

Account Owner(s): SUSAN C ROLLINS

Balance Summary Account Summary

Beginning Balance as of 11/21/24 129.32 Interest for Period Ending 12/20/24 0.00
+ Deposits and Credits (11) 686.04 Interest Paid YTD 0.02
- Withdrawals and Debits (35) 854.22 Interest Rate 0.10%
Ending Balance as of 12/20/24 38.86-

Transactional Detail

Date Description Deposits Withdrawals Balance

11/21 Beginning Balance 129.32
11/21 DBT Purchase TMOBILE*POSTPAID 62.00- 67.32
TMOBILE*POSTPAID PD 800-937-8997 WA US
Seq#031165 Date 11/20/24 Time 08:58
11/21 PMT Frm 3rdPrty SQC*ID - w75ltrw 188.90 256.22
SQC*ID - w75ltrwa San Francisco CA US
Seq#539822 Date 11/21/24 Time 19:57
11/21 IBTRF-FROM CK-6734 TO SV-7129 120.00- 136.22
11/21 DBT Purchase SQ *SARAHCHESHIR 8.52- 127.70
SQ *SARAHCHESHIR SAINT AUGUSTI FL US
Seq#432621071028 Date 11/21/24 Time 21:08
11/21 DBT Purchase RACETRAC2415 00 20.08- 107.62
RACETRAC2415 00024 ST AUGUSTINE FL US
Seq#083523 Date 11/20/24 Time 15:23
11/22 DBT Purchase CHICKEN SALAD CH 20.42- 87.20
AKGJHMFOFLGLAPGMAPANEMDK
AKFMDJONJPHMNEPMLKGPLOKK CHICKEN SALAD CHICK 9046158329 FL US
ACGCFLBILFNOPJBKECFHKEEK
AHHMPDOPLOKNDCBJNNKILLEK
ADOPLOEFDPCEPGEEMDAKCLHK
Seq#013376 Date 11/21/24 Time 14:08
AGMCMKEMKMOOCKEIEACAMKEK
11/22 DBT Purchase CHICKEN SALAD CH 6.38- 80.82
CHICKEN SALAD CHICK 706-5661032 FL US
Seq#041132 Date 11/21/24 Time 14:37
11/22 DBT Purchase CHICKEN SALAD CH 10.00- 70.82
CHICKEN SALAD CHICK 706-5661032 FL US

00028734 0177094 0001-0005 F1226DS1221240551400 01 L 00000000

.
 CHECKING ACCOUNT RECONCILIATION
Filling in the appropriate blanks below will enable you to balance your checking account.
List checks issued but not shown on statement.
CHECK NO. AMOUNT RECONCILEMENT INSTRUCTIONS
1. Subtract from your check register any charges listed on this
statement which you have not previously deducted from your
balance. Also, add any dividends paid this month.
(see reverse side)
2. Enter check balance shown on
this statement here. $
3. Enter deposits made later $
than the ending date of
this statement. $

TOTAL OF 2 AND 3
4. In your check register, mark off all checks paid, and in area
provided at left, list numbers and amounts of all unpaid checks.
5. Subtract total checks
outstanding. $
6. This amount should equal your
TOTAL check register balance. $

IF YOU DO NOT BALANCE: Compare the dollar amounts of all checks and deposits in your check register with the amounts shown on this
statement. Verify all additions and subtractions. If you need assistance in balancing your checking account, call (904) 777-6000 or 1-800-
445-6289, option 9.

RETAIN THIS STATEMENT AS YOUR PERMANENT RECORD

The Annual Percentage Yield Earned is required to be reflected on member statements. The Annual Percentage Yield Earned shows
the dollar amount of dividends as a percentage of the average daily balance in your account. In comparison, the Annual Percentage Yield
shows the total amount of dividends that are projected for an estimated amount of principal, based on the dividend rate and frequency of
compounding for a 365 (366 during leap year) day period or term of the account if it is a certificate. The Annual Percentage Yield does not
reflect account activity; however, the Annual Percentage Yield Earned is affected by deposits and withdrawals.

COMBINED STATEMENT DISCLOSURE

SIMPLE INTEREST CONSUMER LOANS: We figure the interest charge on your account by applying the periodic rate to the daily unpaid
principal balance of your account for each day in the billing cycle. To get the daily balance we take the beginning balance of your account
each day, add any new advances or fees that impact the unpaid principal balance, and subtract any payments or credits. This gives us the
daily unpaid principal balance. INTEREST/FINANCE CHARGES are imposed using the previously noted formula from the date each
advance is made and continue to accrue on unpaid balances as long as they remain unpaid. The daily unpaid principal balance does not
include unpaid INTEREST/FINANCE CHARGES. There is no penalty for prepayment; prepayment will reduce the INTEREST/FINANCE
CHARGE. Even if you prepay, you will still be required to make the regularly scheduled payments unless we agree in writing to a change in
the payment schedule. Late payments will increase the cost of credit. If your payment is more than 10 days late we may collect a late fee
and we may consider you to be in default and suspend additional advances of credit per the terms of your loan agreement.
CENTRALIZED ADDRESS FOR BANKRUPTCY CORRESPONDENCE: Please be advised that all correspondence relating to bankruptcy
filing should be directed to the following address: VyStar Credit Union, Attn: Member Solutions - Bankruptcy Processing, P.O. Box 45085,
Jacksonville, FL 32232-5085.
FOR OVERNIGHT PAYMENT DELIVERY, SEND TO: VyStar Credit Union, Attn: Item Processing, 76 S. Laura Street, Jacksonville, FL 32202-3433
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may
be reflected in your credit report. If you think we have reported inaccurate information to a credit bureau, you may write to us at P.O. Box
45085, Jacksonville, FL 32232-5085 Attn: Credit Reporting Unit.
IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT YOUR STATEMENT AND/OR ELECTRONIC TRANSFERS,
PLEASE CHECK THIS STATEMENT AGAINST YOUR RECORDS.
If you think your statement or bill is wrong or you need more information about a transfer on your statement, please contact us as soon as
possible. Write us at: VyStar Credit Union, P.O. Box 45085, Jacksonville, FL 32232-5085.
You can telephone us at 904-777-6000 or 1-800-445-6289, option 9, but doing so will not preserve your rights.
We must hear from you no later than 60 days after we send you the first statement or bill on which the error or problem appeared.
We will need the following information:
1. Your name and account number.
2. The dollar amount of the suspected error.
3. Describe the error or electronic transfer you are questioning and explain as clearly as you can why you believe there is an error or why you
need more information. We will investigate your complaint and will correct any error promptly. For statement or transfer errors, if we take
more than 10 business days from the date we receive your request to do this, we will re-credit your account for the amount you think is in error,
providing you the use of those funds during the time it takes us to complete our research. For billing errors, you do not have to pay any
amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we
investigate your questions, we cannot report you as delinquent or take any action to collect the amount you question.
a. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we
determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.
b. We can apply any unpaid amount against your credit limit.

00028734 0177095 0000-0005 F1226DS1221240551400 01 L 00000000

 P.O. Box 7256
Sioux Falls, SD 57117-7256
Return Service Requested

Statement Period: 11/21/2024 - 12/20/2024

SUSAN C ROLLINS Statement Date: 12/20/2024

Page 2 of 5
00028734 0177096 0002-0005

Transactional Detail (Continued)

Date Description Deposits Withdrawals Balance

Seq#041171 Date 11/21/24 Time 14:39
11/22 DBT Recur-Purch WW INT'L-DIGITAL 19.99- 50.83
WW INT'L-DIGITAL 800-221-2112 NY US
Seq#010568 Date 11/21/24 Time 14:37
11/22 DBT Purchase AMAZON MKTPL*6U9 25.59- 25.24
AMAZON MKTPL*6U9BK7 Amzn.com/bill WA US
Seq#057079 Date 11/21/24 Time 17:36
11/22 IBTRF-FROM SV-7129 TO CK-6734 100.00 125.24
11/22 POS Purchase TARGET T-1294 83.82- 41.42
1440 US Hwy 1 S Saint Augusti FL US
Seq#073020 Date 11/22/24 Time 09:07
11/22 IBTRF-FROM SV-7129 TO CK-6734 25.00 66.42
11/22 DBT Purchase SQ *GETITWITHCRI 24.91- 41.51
SQ *GETITWITHCRI SAINT AUGUSTI FL US
Seq#432714242667 Date 11/22/24 Time 14:40
11/22 DBT Recur-Purch Karma Processing 30.99- 10.52
Karma Processing Lew DE US
Seq#5VYZ6OPDB1XT Date 11/22/24 Time 19:04
11/22 IBTRF-FROM SV-7129 TO CK-6734 30.00 40.52
11/22 ATM Deposit VYSTAR ATM FLD124 75.00 115.52
165 STATE ROAD 312 WEST ST. AUGUSTINE FL
Seq#003309 Date 11/22/24 Time 15:33
11/23 DBT Recur-Purch Peacock X1452 Pr 8.76- 106.76
Peacock X1452 Premi 212-6640138 NY US
Seq#024405 Date 11/22/24 Time 19:07
11/23 DBT Purchase NEDS SOUTHSIDE K 19.44- 87.32
NEDS SOUTHSIDE KITC ST AUGUSTINE FL US
Seq#070033 Date 11/22/24 Time 15:42
11/23 DBT Purchase Amazon Digit*7E7 4.99- 82.33
Amazon Digit*7E75Q4 888-802-3080 WA US
Seq#036916 Date 11/23/24 Time 02:14
11/23 DBT Purchase Amazon Digit*PG6 4.99- 77.34
Amazon Digit*PG6PR2 888-802-3080 WA US
Seq#033164 Date 11/23/24 Time 01:34
11/23 DBT Purchase Amazon Digit*OK3 6.99- 70.35
Amazon Digit*OK3CQ3 888-802-3080 WA US
Seq#064244 Date 11/23/24 Time 01:27
11/23 PMT Frm 3rdPrty SQC*ID - XAfgnFs 66.84 137.19
AKGJHMFOFLGLAPGMAPANEMDK
AKFMDJONJPFONEPMLKGOLOKK SQC*ID - XAfgnFsz San Francisco CA US
ACGCFLBILFNOOKBKFHDFCPEK
AHHMPDOPLMBAJMBENBCMLLEK
ADOPIMCNKFEDFLLJJGJELHGK
Seq#266297 Date 11/23/24 Time 18:33
AGEOMKEEKMAOICMMEAGOGKEK
11/23 DBT Purchase Klarna ulla popk 18.72- 118.47
Klarna ulla popken 151-7426184 DE US
Seq#089109 Date 11/22/24 Time 14:42
11/24 DBT Purchase AFTERPAY 10.97- 107.50
AFTERPAY 185-52896014 CA US

00028734 0177096 0002-0005 F1226DS1221240551400 01 L 00000000

.
 P.O. Box 7256
Sioux Falls, SD 57117-7256
Return Service Requested

Statement Period: 11/21/2024 - 12/20/2024

SUSAN C ROLLINS Statement Date: 12/20/2024

Page 3 of 5
00028734 0177097 0003-0005

Transactional Detail (Continued)

Date Description Deposits Withdrawals Balance

Seq#071067 Date 11/23/24 Time 18:00
11/24 DBT Purchase AFTERPAY 10.46- 97.04
AFTERPAY 185-52896014 CA US
Seq#001020 Date 11/23/24 Time 19:11
11/24 DBT Purchase Amazon Digit*411 4.99- 92.05
Amazon Digit*411AZ3 888-802-3080 WA US
Seq#013037 Date 11/23/24 Time 23:21
11/24 DBT Purchase MCDONALD'S F1115 13.39- 78.66
MCDONALD'S F11155 ST AUGUSTINE FL US
Seq#094882 Date 11/23/24 Time 09:39
11/24 IBTRF-FROM SV-7129 TO CK-6734 130.00 208.66
11/24 POS Purchase FPL: Speedpay Pa 125.57- 83.09
WWW 800-226-3545 Juno Beach FL US
Seq#432928768295 Date 11/24/24 Time 12:51
11/24 DBT Purchase Klarna*tiktok sh 10.69- 72.40
Klarna*tiktok shop Columbus OH US
Seq#049037 Date 11/24/24 Time 11:31
11/24 DBT Purchase Amazon Digit*XF8 6.99- 65.41
Amazon Digit*XF8K33 888-802-3080 WA US
Seq#060849 Date 11/24/24 Time 15:51
11/24 POS Recur-Purch Disney PLUS Recu 12.41- 53.00
Disney PLUS Recu Lake Buena Vi FL US
Seq#60MD6KWVWDRD Date 11/24/24 Time 15:51
11/25 DBT Purchase WAWA 5361 13.13- 39.87
WAWA 5361 610-358-8000 FL US
Seq#050204 Date 11/24/24 Time 14:32
11/25 DBT Purchase WAWA 5381 12.06- 27.81
WAWA 5381 800-444-9292 FL US
Seq#099843 Date 11/24/24 Time 14:13
11/25 IBTRF-FROM SV-7129 TO CK-6734 20.00 47.81
11/25 DBT Purchase GOOGLE *TikTok 4.99- 42.82
GOOGLE *TikTok 855-836-3987 CA US
Seq#087254 Date 11/25/24 Time 01:45
11/25 DBT Purchase QVC*659355594301 11.81- 31.01
QVC*659355594301*3O 800-367-9444 PA US
Seq#043846 Date 11/24/24 Time 12:33
11/25 DBT Purchase QVC*659355594302 6.07- 24.94
QVC*659355594302*3O 800-367-9444 PA US
AKGJHMFOFLGLAPGMAPANEMDK
AKFMDJONJPFMPEPMLKGOKOKK Seq#043847 Date 11/24/24 Time 12:30
ACGCFLBILFNOPLALFEGDDHFK
AHHMPDOPKMPNMBMMPACFPLEK 11/27 DBT Purchase QVC*659761640801 18.10- 6.84
ADOPJPGLCLNBPAMHEPMFLOGK
AGAGIKEMCMKGICEEAAIMICEK
QVC*659761640801*1O 800-367-9444 PA US
Seq#065740 Date 11/23/24 Time 16:23
12/02 Square Inc SQ241202 28.75 35.59
12/03 ACH Return Charge 32.00- 3.59
PLANET FITNESS S EFF 120324

00028734 0177097 0003-0005 F1226DS1221240551400 01 L 00000000

.
 P.O. Box 7256
Sioux Falls, SD 57117-7256
Return Service Requested

Statement Period: 11/21/2024 - 12/20/2024

SUSAN C ROLLINS Statement Date: 12/20/2024

Page 4 of 5
00028734 0177098 0004-0005

Transactional Detail (Continued)

Date Description Deposits Withdrawals Balance

12/09 ACH Return Charge 32.00- 28.41-
PLANET FITNESS S EFF 120924
12/10 Square Inc SQ241210 21.54 6.87-
12/13 TRNSFER FRM SV XXXXXXXX7129 0.01 6.86-
12/18 ACH Return Charge 32.00- 38.86-
PLANET FITNESS S EFF 121824
12/20 Ending Balance 38.86-

Overdraft/Return Item Summary

Description Total for this Period Total Year to Date

Total Overdraft Fees 0.00 0.00
Total Returned Items 96.00 192.00

Primary Savings Account Account Number: XXXXXXXX7129

Account Owner(s): SUSAN C ROLLINS

Balance Summary Account Summary

Beginning Balance as of 11/21/24 555.00 Interest for Period Ending 12/20/24 0.01
+ Deposits and Credits (2) 120.01 Interest Paid YTD 0.02
- Withdrawals and Debits (8) 670.01 Interest Rate 0.00%
Ending Balance as of 12/20/24 5.00 Penalty YTD 0.00
Annual Percentage Yield Earned 0.13%

Transactional Detail

Date Description Deposits Withdrawals Balance

11/21 Beginning Balance 555.00
11/21 IBTRF-FROM CK-6734 TO SV-7129 120.00 675.00
11/22 IBTRF-FROM SV-7129 TO CK-6734 100.00- 575.00
11/22 IBTRF-FROM SV-7129 TO CK-6734 25.00- 550.00
11/22 IBTRF-FROM SV-7129 TO CK-6734 30.00- 520.00
11/24 IBTRF-FROM SV-7129 TO CK-6734 130.00- 390.00
AKGJHMFOFLGLAPGMAPANEMDK
AKFMDJONJPFMNEPMLKGPLOKK 11/25 IBTRF-FROM SV-7129 TO CK-6734 20.00- 370.00
ACGCFLBILFNOMIALEACGPKEK
AHHMPDOPKNMBNJJEODGBKLEK
ADOPLNJHIIABMIJEBEOOAEHK
11/29 Withdrawal 65.00- 305.00
AGIMKCMMKMEECCEAAEOEKCMK 11/30 Interest Paid 0.01 305.01
12/06 Withdrawal 300.00- 5.01
12/13 TRANSFER TO CK XXXXXXXX6734 0.01- 5.00
12/20 Ending Balance 5.00

00028734 0177098 0004-0005 F1226DS1221240551400 01 L 00000000

.
 P.O. Box 7256
Sioux Falls, SD 57117-7256
Return Service Requested

Statement Period: 11/21/2024 - 12/20/2024

SUSAN C ROLLINS Statement Date: 12/20/2024

Page 5 of 5
00028734 0177099 0005-0005

Overdraft/Return Item Summary

Description Total for this Period Total Year to Date

Total Overdraft Fees 0.00 0.00
Total Returned Items 0.00 0.00

Summary of Deposit Accounts

Account Description Balance Int-Rate% YTD-Int YTD-Penalty Maturity
XXXXXXXX6734 Regular Checking Account 38.86- 0.10% 0.02
Checking Total 38.86-
XXXXXXXX7129 Primary Savings Account 5.00 0.00% 0.02 0.00
Savings Total 5.00
Deposits Grand Total 33.86-

AKGJHMFOFLGLAPGMAPANEMDK
AKFMDJONJPHOLEPMLKGOLOKK
ACGCFLBIJFNOOLBLFCBAIFFK
AHHMPDOPJMFILKPDDMGLILEK
ADOPLOMFFBFLKFCBAOBMGEHK
AGOOGKMIGEMCAKMIEMCCIKEK

00028734 0177099 0005-0005 F1226DS1221240551400 01 L 00000000

.