Thank you for being a Varo Bank customer.

Please note, ATM Withdrawals and ACH

Returns may display an incomplete description in your monthly statement. Please refer to
the App for the full transaction description. If you are a Varo Believe Cardholder, please refer
to the Varo app to see complete description for vault account transfers.

Varo Bank Account Statement

09/01/2023 - 09/30/2023

Routing: 124303201
Fredrick Addae
3321 S Bowman Rd apt 1237
Little Rock, AR 72211

Summary for Bank Account 39796268 Amount

Beginning Balance on 09/01/2023 $12.67

Deposits and other credits $7,285.66

Withdrawals and other debits $7,262.33

Fees $0.00

Ending balance on 09/30/2023 $36.00

Account Activity

Date Description Amount Balance

09/01/2023 Transfer From Varo Bank Account To Varo Savings Account -$12.67 $0.00

09/01/2023 Transfer From Varo Savings Account To Varo Bank Account $20.00 $20.00

09/01/2023 SQ *LEON'S DONUTS Little Rock AR -$19.50 $0.50

09/01/2023 Transfer From Varo Savings Account To Varo Bank Account $12.00 $12.50

09/05/2023 MCDONALD'S F39091 LITTLE ROCK AR -$10.17 $2.33

09/05/2023 Transfer From Varo Savings Account To Varo Bank Account $215.00 $217.33

09/05/2023 CASH APP*ASH LIN*AD 8774174551 CA -$215.00 $2.33

09/05/2023 DISCOUNT TIRE AR 20780 BENTON AR -$512.52 -$510.19

09/05/2023 Transfer From Varo Savings Account To Varo Bank Account $514.00 $3.81

09/05/2023 Transfer From Varo Savings Account To Varo Bank Account $20.00 $23.81

09/05/2023 Transfer From Varo Bank Account To Varo Savings Account -$10.62 $13.19

09/05/2023 Transfer From Varo Savings Account To Varo Bank Account $39.55 $52.74

09/06/2023 PANDA EXPRESS #3279 BENTON AR -$13.19 $39.55

Account Activity

Date Description Amount Balance

09/06/2023 Save Your Change -$0.81 $38.74

09/06/2023 CASH APP*ASH LIN*CASH OSan Francisc oCAUS $1,473.75 $1,512.49

09/06/2023 Transfer From Varo Bank Account To Varo Savings Account -$1,476.68 $35.81

09/06/2023 Friday by DailyPay New York NYUS $110.51 $146.32

09/06/2023 Transfer From Varo Bank Account To Varo Savings Account -$110.00 $36.32

09/06/2023 WINGSTOP - 144 - MCOMME 501-224-9464 AR -$35.81 $0.51

09/06/2023 Save Your Change -$0.19 $0.32

09/06/2023 Transfer From Varo Savings Account To Varo Bank Account $25.00 $25.32

09/06/2023 CASH APP*ASH LIN*CASH OVisa Direct CAUS $31.40 $56.72

09/06/2023 Transfer From Varo Bank Account To Varo Savings Account -$31.00 $25.72

09/06/2023 Transfer From Varo Savings Account To Varo Bank Account $90.00 $115.72

09/06/2023 Transfer From Varo Bank Account To Varo Savings Account -$36.62 $79.10

09/06/2023 Microsoft*Xbox msbill.info WA -$54.10 $25.00

09/06/2023 CASH APP*ASH LIN*AD 8774174551 CA -$25.00 $0.00

09/07/2023 Transfer From Varo Savings Account To Varo Bank Account $40.00 $40.00

09/07/2023 Transfer From Varo Savings Account To Varo Bank Account $105.00 $145.00

09/07/2023 Transfer From Varo Savings Account To Varo Bank Account $60.00 $205.00

09/07/2023 Transfer From Varo Savings Account To Varo Bank Account $335.00 $540.00

09/07/2023 Microsoft*Xbox msbill.info WA $54.10 $594.10

09/07/2023 MICROSOFT*XBOX MSBILL.INFO WA -$162.35 $431.75

09/07/2023 CASH APP*ASH LIN*AD 8774174551 CA -$40.00 $391.75

09/08/2023 Save Your Change -$0.65 $391.10

09/08/2023 Transfer From Varo Savings Account To Varo Bank Account $64.00 $455.10

09/08/2023 Transfer From Varo Bank Account To Varo Savings Account -$200.00 $255.10
Account Activity

Date Description Amount Balance

09/08/2023 Transfer From Varo Savings Account To Varo Bank Account $23.00 $278.10

09/08/2023 Transfer From Varo Bank Account To Varo Savings Account -$171.00 $107.10

09/08/2023 Transfer From Varo Savings Account To Varo Bank Account $48.00 $155.10

09/08/2023 Transfer From Varo Savings Account To Varo Bank Account $100.00 $255.10

09/08/2023 Transfer From Varo Savings Account To Varo Bank Account $23.00 $278.10

09/08/2023 Microsoft*Xbox msbill.info WA -$12.93 $265.17

09/08/2023 ACI*ENTERGY SERVICES, L 800-368-3749 LA -$106.60 $158.57

09/11/2023 Save Your Change -$0.07 $158.50

09/11/2023 Save Your Change -$0.40 $158.10

09/11/2023 GOOGLE *YouTube Videos g.co/helppay# CA -$6.51 $151.59

09/11/2023 Microsoft*Xbox msbill.info WA -$54.10 $97.49

09/11/2023 Google YouTube Videos 650-2530000 CA -$4.33 $93.16

09/11/2023 Microsoft*Xbox msbill.info WA $12.93 $106.09

09/11/2023 GOOGLE *YouTube Videos g.co/helppay# CA -$6.51 $99.58

09/11/2023 Save Your Change -$0.49 $99.09

09/11/2023 Save Your Change -$0.67 $98.42

09/11/2023 Save Your Change -$0.90 $97.52

09/11/2023 Save Your Change -$0.49 $97.03

09/11/2023 GOOGLE *YouTube Videos g.co/helppay# CA -$4.33 $92.70

09/11/2023 BWW 3449 LITTLE ROCK AR 501-8685279 AR -$49.17 $43.53

09/11/2023 Save Your Change -$0.83 $42.70

09/11/2023 Save Your Change -$0.67 $42.03

09/11/2023 PIZZA HUT 001394 501-221-3562 AR -$36.44 $5.59

09/11/2023 Save Your Change -$0.56 $5.03

Account Activity

Date Description Amount Balance

09/11/2023 Transfer From Varo Savings Account To Varo Bank Account $25.00 $30.03

09/12/2023 Transfer From Varo Savings Account To Varo Bank Account $30.00 $60.03

09/12/2023 Save Your Change -$0.45 $59.58

09/12/2023 TRADER JOE S #75 TRADER LITTLE ROCK AR -$30.55 $29.03

09/12/2023 Transfer From Varo Savings Account To Varo Bank Account $27.00 $56.03

09/12/2023 Transfer From Varo Savings Account To Varo Bank Account $2.00 $58.03

09/12/2023 FIVE GUYS AR 1115 ECOMM 501-225-1100 AR -$22.73 $35.30

09/12/2023 Save Your Change -$0.27 $35.03

09/12/2023 WHATABURGER 1389 LITTLE ROCK AR -$21.45 $13.58

09/13/2023 CHUY'S 043 LITTLE ROCK AR -$13.26 $0.32

09/13/2023 Transfer From Varo Savings Account To Varo Bank Account $9.00 $9.32

09/13/2023 CASH APP*ASH LIN*ADD CA 800-9691940 CA -$9.00 $0.32

09/14/2023 Transfer From Varo Savings Account To Varo Bank Account $9.00 $9.32

09/14/2023 Transfer From Varo Bank Account To Varo Savings Account -$188.59 -$179.27

09/14/2023 Friday by DailyPay New York NYUS $183.48 $4.21

09/14/2023 Transfer From Varo Savings Account To Varo Bank Account $10.00 $14.21

09/15/2023 365 Market 888 432-329 TROY MI -$4.21 $10.00

09/15/2023 Save Your Change -$0.79 $9.21

09/15/2023 Transfer From Varo Savings Account To Varo Bank Account $5.00 $14.21

09/15/2023 Transfer From Varo Savings Account To Varo Bank Account $28.00 $42.21

09/15/2023 TARGET 00011148 LITTLE ROCK AR -$7.58 $34.63

09/18/2023 Save Your Change -$0.42 $34.21

09/18/2023 Transfer From Varo Savings Account To Varo Bank Account $40.00 $74.21

09/18/2023 365 Market 888 432-329 TROY MI -$3.23 $70.98

Account Activity

Date Description Amount Balance

09/18/2023 Transfer From Varo Savings Account To Varo Bank Account $56.00 $126.98

09/18/2023 Save Your Change -$0.77 $126.21

09/18/2023 APPLE.COM/BILL 866-712-7753 CA -$9.99 $116.22

09/18/2023 Save Your Change -$0.01 $116.21

09/18/2023 APPLE.COM/BILL 866-712-7753 CA -$8.65 $107.56

09/18/2023 Save Your Change -$0.35 $107.21

09/18/2023 GOOGLE *YouTube Videos g.co/helppay# CA -$21.71 $85.50

09/18/2023 Save Your Change -$0.49 $85.01

09/18/2023 GOOGLE *YouTube Videos g.co/helppay# CA -$6.51 $78.50

09/18/2023 Save Your Change -$0.29 $78.21

09/18/2023 APPLE CASH SENT MONEY 1INFINITELOOP CA -$24.64 $53.57

09/18/2023 Save Your Change -$0.36 $53.21

09/18/2023 Transfer From Varo Savings Account To Varo Bank Account $5.00 $58.21

09/18/2023 Transfer From Varo Savings Account To Varo Bank Account $2.00 $60.21

09/18/2023 Save Your Change -$0.20 $60.01

09/18/2023 Microsoft*Xbox msbill.info WA -$10.80 $49.21

09/18/2023 Transfer From Varo Savings Account To Varo Bank Account $20.00 $69.21

09/18/2023 Save Your Change -$0.22 $68.99

09/18/2023 OLIVE GARDEN 0021321 LITTLE ROCK AR -$20.78 $48.21

09/18/2023 Transfer From Varo Savings Account To Varo Bank Account $5.00 $53.21

09/18/2023 Transfer From Varo Savings Account To Varo Bank Account $10.00 $63.21

09/18/2023 Transfer From Varo Savings Account To Varo Bank Account $5.00 $68.21

09/18/2023 Transfer From Varo Savings Account To Varo Bank Account $5.00 $73.21

09/18/2023 CHICK-FIL-A #02740 LITTLE ROCK AR -$24.54 $48.67

Account Activity

Date Description Amount Balance

09/18/2023 Save Your Change -$0.46 $48.21

09/18/2023 Transfer From Varo Savings Account To Varo Bank Account $40.00 $88.21

09/18/2023 Transfer From Varo Savings Account To Varo Bank Account $30.00 $118.21

09/18/2023 KUM&GO 0139R LITTLE R LITTLE ROCK AR -$42.60 $75.61

09/18/2023 Save Your Change -$0.40 $75.21

09/18/2023 Save Your Change -$0.77 $74.44

09/18/2023 APPLE.COM/BILL 866-712-7753 CA -$16.23 $58.21

09/18/2023 Transfer From Varo Savings Account To Varo Bank Account $20.00 $78.21

09/18/2023 APPLE.COM/BILL 800-275-2273 CA -$5.40 $72.81

09/18/2023 Save Your Change -$0.60 $72.21

09/19/2023 Transfer From Varo Savings Account To Varo Bank Account $3.00 $75.21

09/19/2023 MCDONALD'S F34293 LITTLE ROCK AR -$16.33 $58.88

09/19/2023 EXXON EXXON FOOD MART # LITTLE ROCK AR -$4.79 $54.09

09/19/2023 Save Your Change -$0.67 $53.42

09/19/2023 APPLE CASH SENT MONEY 1INFINITELOOP CA -$20.00 $33.42

09/19/2023 APPLE CASH SENT MONEY 1INFINITELOOP CA -$3.00 $30.42

09/19/2023 Save Your Change -$0.21 $30.21

09/19/2023 WALGREENS STORE 1601 MA LITTLE ROCK AR -$9.02 $21.19

09/19/2023 Save Your Change -$0.98 $20.21

09/19/2023 Transfer From Varo Savings Account To Varo Bank Account $9.00 $29.21

09/19/2023 DailyPay New York NYUS $201.86 $231.07

09/19/2023 Transfer From Varo Bank Account To Varo Savings Account -$202.00 $29.07

09/19/2023 Transfer From Varo Savings Account To Varo Bank Account $15.00 $44.07

09/19/2023 Transfer From Varo Savings Account To Varo Bank Account $20.00 $64.07
Account Activity

Date Description Amount Balance

09/19/2023 Transfer From Varo Savings Account To Varo Bank Account $20.00 $84.07

09/19/2023 CIRCLE K #2741798 LITTLE ROCK AR -$42.24 $41.83

09/19/2023 Save Your Change -$0.76 $41.07

09/20/2023 MCDONALD'S F34293 LITTLE ROCK AR -$11.27 $29.80

09/20/2023 365 Market 888 432-329 TROY MI -$3.23 $26.57

09/20/2023 Save Your Change -$0.77 $25.80

09/20/2023 Save Your Change -$0.73 $25.07

09/20/2023 APPLE CASH SENT MONEY 1INFINITELOOP CA -$25.00 $0.07

09/20/2023 Transfer From Varo Savings Account To Varo Bank Account $21.00 $21.07

09/21/2023 MCDONALD'S F34293 LITTLE ROCK AR -$20.19 $0.88

09/21/2023 Save Your Change -$0.81 $0.07

09/21/2023 Transfer From Varo Savings Account To Varo Bank Account $20.00 $20.07

09/21/2023 PILOT #0332 N LITTLE RK AR -$20.00 $0.07

09/21/2023 Transfer From Varo Savings Account To Varo Bank Account $70.00 $70.07

09/21/2023 Transfer From Varo Savings Account To Varo Bank Account $20.00 $90.07

09/21/2023 MICROSOFT REDMOND WA -$10.80 $79.27

09/21/2023 Transfer From Varo Savings Account To Varo Bank Account $100.00 $179.27

09/21/2023 Save Your Change -$0.20 $179.07

09/21/2023 Transfer From Varo Savings Account To Varo Bank Account $6.00 $185.07

09/21/2023 Transfer From Varo Savings Account To Varo Bank Account $1,266.00 $1,451.07

09/21/2023 Microsoft*Xbox msbill.info WA -$108.24 $1,342.83

09/21/2023 Save Your Change -$0.76 $1,342.07

09/21/2023 AR.GOV/PAYMENT EGOV.COM AR -$66.88 $1,275.19

09/21/2023 Save Your Change -$0.12 $1,275.07

Account Activity

Date Description Amount Balance

09/22/2023 TEXAS ROADHOUSE #2368 O olo.com AR -$5.52 $1,269.55

09/22/2023 Save Your Change -$0.48 $1,269.07

09/22/2023 Transfer From Varo Bank Account To Varo Savings Account -$1,249.21 $19.86

09/22/2023 Transfer From Varo Savings Account To Varo Bank Account $30.00 $49.86

09/22/2023 Microsoft*Xbox 800-6427676 WA -$10.80 $39.06

09/22/2023 Save Your Change -$0.20 $38.86

09/25/2023 MCDONALD'S F34293 LITTLE ROCK AR -$19.86 $19.00

09/25/2023 Save Your Change -$0.14 $18.86

09/25/2023 Transfer From Varo Savings Account To Varo Bank Account $25.00 $43.86

09/25/2023 Transfer From Varo Savings Account To Varo Bank Account $20.00 $63.86

09/25/2023 Transfer From Varo Savings Account To Varo Bank Account $10.00 $73.86

09/25/2023 Transfer From Varo Savings Account To Varo Bank Account $200.00 $273.86

09/25/2023 DailyPay New York NYUS $218.96 $492.82

09/25/2023 Transfer From Varo Bank Account To Varo Savings Account -$400.00 $92.82

09/25/2023 Transfer From Varo Savings Account To Varo Bank Account $26.00 $118.82

09/25/2023 Transfer From Varo Bank Account To Varo Savings Account -$52.43 $66.39

09/25/2023 Transfer From Varo Savings Account To Varo Bank Account $35.00 $101.39

09/25/2023 DOMINO'S 9616 501-247-7856 AR -$40.05 $61.34

09/25/2023 WWW.VOICIFY.AI BELMONT * -$8.99 $52.35

09/25/2023 Transfer From Varo Savings Account To Varo Bank Account $2.00 $54.35

09/25/2023 Transfer From Varo Savings Account To Varo Bank Account $13.00 $67.35

09/25/2023 TST* Sharks Fish and Ch Little Rock AR -$33.03 $34.32

09/25/2023 STARBUCKS STORE 66415 LITTLE ROCK AR -$21.35 $12.97

09/25/2023 Transfer From Varo Bank Account To Varo Savings Account -$110.00 -$97.03
Account Activity

Date Description Amount Balance

09/25/2023 DailyPay New York NYUS $109.47 $12.44

09/25/2023 Transfer From Varo Savings Account To Varo Bank Account $20.00 $32.44

09/26/2023 TST* Sharks Fish and Ch Little Rock AR -$18.84 $13.60

09/26/2023 Save Your Change -$0.16 $13.44

09/26/2023 Transfer From Varo Savings Account To Varo Bank Account $5.00 $18.44

09/26/2023 Transfer From Varo Savings Account To Varo Bank Account $30.00 $48.44

09/26/2023 CK DEALER # 08185 LITTLE ROCK AR -$10.00 $38.44

09/26/2023 Transfer From Varo Savings Account To Varo Bank Account $10.00 $48.44

09/26/2023 BUMPER.COM 332-225-9745 NY -$1.00 $47.44

09/26/2023 BURGER KING #24920 NORTH LITTLE AR -$12.35 $35.09

09/26/2023 Save Your Change -$0.65 $34.44

09/27/2023 MCDONALD'S F34293 LITTLE ROCK AR -$11.93 $22.51

09/27/2023 SONIC DRIVE IN #6425 LITTLE ROCK AR -$14.72 $7.79

09/27/2023 Save Your Change -$0.07 $7.72

09/27/2023 Save Your Change -$0.28 $7.44

09/27/2023 WALGREENS STORE 1601 MA LITTLE ROCK AR -$3.79 $3.65

09/27/2023 Save Your Change -$0.21 $3.44

09/27/2023 DailyPay New York NYUS $198.43 $201.87

09/27/2023 Transfer From Varo Savings Account To Varo Bank Account $198.00 $399.87

09/27/2023 Transfer From Varo Bank Account To Varo Savings Account -$396.89 $2.98

09/27/2023 Transfer From Varo Savings Account To Varo Bank Account $20.00 $22.98

09/27/2023 CHICK-FIL-A #04855 LITTLE ROCK AR -$2.98 $20.00

09/27/2023 Save Your Change -$0.02 $19.98

09/28/2023 Transfer From Varo Savings Account To Varo Bank Account $10.00 $29.98
Account Activity

Date Description Amount Balance

09/28/2023 TST* Sharks Fish and Ch Little Rock AR -$15.50 $14.48

09/28/2023 Save Your Change -$0.50 $13.98

09/28/2023 Transfer From Varo Bank Account To Varo Savings Account -$108.11 -$94.13

09/28/2023 DailyPay New York NYUS $106.03 $11.90

09/29/2023 DailyPay New York NYUS $99.19 $111.09

09/29/2023 Transfer From Varo Bank Account To Varo Savings Account -$99.19 $11.90

09/29/2023 Transfer From Varo Savings Account To Varo Bank Account $20.00 $31.90

09/29/2023 Transfer From Varo Savings Account To Varo Bank Account $105.00 $136.90

09/29/2023 MICROSOFT REDMOND WA -$108.24 $28.66

09/29/2023 Save Your Change -$0.76 $27.90

09/29/2023 Transfer From Varo Savings Account To Varo Bank Account $20.00 $47.90

09/29/2023 BURGER KING #24920 NORTH LITTLE AR -$11.90 $36.00

Information About Your Right to Dispute Errors

In case of errors or questions about your electronic transactions, call 1-877-377-8276 or write to PO Box 108 Draper,
UT 84020 if you think your statement or receipt is wrong or if you need more information about a transaction listed in
the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which
the problem or error appeared.

You will need to: (1) tell us your name, account number and/or 16 digit card number (if any), (2) describe the error
and explain as clearly as you can why you believe it is an error, (3) tell us the dollar amount of the suspected error,
and (4) tell us approximately when the error took place.

If you provide this information orally, we may require that you send your complaint or question in writing within ten
(10) business days. We will determine whether an error occurred within ten (10) business days after we hear from
you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to
investigate your complaint or question. If we decide to do this, we will credit your Varo Bank Account within ten (10)
business days for the amount you think is in error, so that you will have use of the money during the time it takes to
complete the investigation. If we ask you to put your complaint or question in writing and you do not provide it within
ten (10) business days, we may not credit your Varo Bank Account.

For errors involving new Varo Bank Accounts, POS transactions or foreign-initiated transactions, we may take up to
ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business
days to credit your Varo Bank Account for the amount you think is in error.

We will tell you the results within three (3) business days after completing the investigation. If we decide that there
was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our
investigation.