884-30-01-00 50263 0 C 001 18 S 66 002

MARCO ANTONIO R U I Z CARRENO

2 0 0 2 CLUB LAKES PKWY
LAWRENCEVILLE GA 30044-2423

Your account statement Contact us

(844) 4TRUIST or
For 11/28/2023 Truist.com (844) 487-8478

If you are traveling outside of the USA and have concerns about accessing your account while you are traveling, please contact your
Branch Banker or call us at 844-4TRUIST.

TRUIST FUNDAMENTAL CHECKING 1100022553001

Account summary
Your previous balance as of 10/27/2023 $251.60
Checks - 0.00
Other withdrawals, debits and service charges - 1,259.33
Deposits, credits and interest + 1,012.73
Your new balance as of 11/28/2023 = $5.00

Other withdrawals, debits and service charges

DATE DESCR IPTIO N AM OUN T($ )
10/30 ZELLE PAYMENT TO Marco PAYMENT ID BBT200181446 250.00
10/30 TRUIST ATM CASH WITHDRAWAL 10-29-23 1878 CLUB DRIVE BRANCH #2 20.00
11/01 DEBIT CARD PURCHASE SQ *E&E KITCHEN & 10-31 Norcross GA 1878 1.50
11/07 ZELLE PAYMENT TO Marco PAYMENT ID BBT201947617 40.00
11/09 DEBIT CARD PURCHASE SQ *E&E KITCHEN & 11-08 Norcross GA 1878 9.00
11/09 DEBIT CARD PURCHASE SQ *E&E KITCHEN & 11-08 Norcross GA 1878 9.00
11/13 DEBIT CARD PURCHASE NAYAX VENDING 43 11-09 HUNT VALLEY MD 1878 1.00
11/13 TRUIST ATM CASH WITHDRAWAL 11-11-23 1878 CLUB DRIVE BRANCH #1 200.00
11/13 ZELLE PAYMENT TO Marco PAYMENT ID BBT202866906 40.00
11/16 ZELLE PAYMENT TO Marco PAYMENT ID BBT203242155 10.00
11/20 DEBIT CARD PURCHASE DOMINO'S 4135 11-18 678-380-8585 GA 1878 18.05
11/20 TRUIST ATM CASH WITHDRAWAL 11-19-23 1878 CLUB DRIVE BRANCH #2 500.00
11/20 DEBIT CARD PURCHASE-PIN 11-19-23 LAWRENCEVILLE 1878 LAS CANAS 23.45
11/21 DEBIT CARD PURCHASE SQ *E&E KITCHEN & 11-20 Norcross GA 1878 3.00
11/21 DEBIT CARD PURCHASE SQ *E&E KITCHEN & 11-20 Norcross GA 1878 3.00
11/22 DEBIT CARD PURCHASE SQ *E&E KITCHEN & 11-21 Norcross GA 1878 3.00
11/22 DEBIT CARD PURCHASE SQ *E&E KITCHEN & 11-21 Norcross GA 1878 2.50
11/24 DEBIT CARD PURCHASE SQ *E&E KITCHEN & 11-22 Norcross GA 1878 6.00
11/24 DEBIT CARD PURCHASE SQ *E&E KITCHEN & 11-22 Norcross GA 1878 6.50
11/24 DEBIT CARD PURCHASE Subway 19400 11-23 Lawrenceville GA 1878 5.30
11/27 DEBIT CARD PURCHASE NAYAX VENDING 43 11-25 HUNT VALLEY MD 1878 1.00
11/27 DEBIT CARD PURCHASE NAYAX VENDING 1 11-25 HUNT VALLEY MD 1878 1.00
11/27 DEBIT CARD PURCHASE NAYAX VENDING 43 11-25 HUNT VALLEY MD 1878 1.00
11/27 DEBIT CARD PURCHASE-PIN 11-26-23 DULUTH GA 1878 QT 731 OUTSIDE 10.03
11/27 ZELLE PAYMENT TO Marco PAYMENT ID BBT204854639 20.00
11/27 ZELLE PAYMENT TO Johan Zerpa PAYMENT ID BBT204864385 20.00
11/27 TRUIST ATM CASH WITHDRAWAL 11-27-23 1878 CLUB DRIVE BRANCH #2 20.00
continued

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 TRUIST FUNDAMENTAL CHECKING 1100022553001 (continued)
DATE DESCR IPTIO N AM OUN T($ )
11/28 DEBIT CARD PURCHASE NAYAX VENDING 43 11-26 HUNT VALLEY MD 1878 1.00
11/28 DEBIT CARD PURCHASE NAYAX VENDING 43 11-26 HUNT VALLEY MD 1878 1.00
11/28 DEBIT CARD PURCHASE NAYAX VENDING 43 11-26 HUNT VALLEY MD 1878 1.00
11/28 DEBIT CARD PURCHASE NAYAX VENDING 43 11-26 HUNT VALLEY MD 1878 1.00
11/28 DEBIT CARD PURCHASE SQ *E&E KITCHEN & 11-27 NORCROSS GA 1878 12.00
11/28 DEBIT CARD PURCHASE SQ *E&E KITCHEN & 11-27 Norcross GA 1878 3.50
11/28 DEBIT CARD PURCHASE SQ *E&E KITCHEN & 11-27 Norcross GA 1878 10.50
11/28 MAINTENANCE FEE 5.00
Total other withdrawals, debits and service charges = $1,259.33

Deposits, credits and interest

DATE DESCR IPTIO N AM OUN T($ )
10/30 ZELLE PAYMENT FROM MARCO RUIZ CARRENO PAYMENT ID BACokzyuy5yw 20.00
11/07 TRUIST ATM MIXED DEPOSIT 11-07-23 18:13 AF11 CLUB DRIVE BRANCH #1 56115191 45.00
11/08 ZELLE PAYMENT FROM Yusmila Del Valle Hidalgo Guer PAYMENT ID BBT201981571 16.00
11/13 TRUIST ATM MIXED DEPOSIT 11-13-23 18:18 AF36 CLUB DRIVE BRANCH #2 56366692 40.00
11/13 ZELLE PAYMENT FROM MARCO RUIZ CARRENO PAYMENT ID BACju9prvajp 200.00
11/14 DoorDash, DoorDash, Inc. MARCO RUIZ CARRENO CUSTOMER ID ST-Q0Q4N5N2E7W1 7.50
11/14 DoorDash, DoorDash, Inc. MARCO RUIZ CARRENO CUSTOMER ID ST-Q1J6X8I5J6O5 11.50
11/17 ZELLE PAYMENT FROM MARCO RUIZ CARRENO PAYMENT ID BACa80qblefv 54.00
11/20 ZELLE PAYMENT FROM ENMANUEL CARRENO GRANADILLO PAYMENT ID BACmr5tudxec 500.00
11/21 DoorDash, DoorDash, Inc. MARCO RUIZ CARRENO CUSTOMER ID ST-E2M7P6A3C2V1 15.22
11/24 ZELLE PAYMENT FROM MARCO RUIZ CARRENO PAYMENT ID BACohfi2nk2k 11.00
11/27 ZELLE PAYMENT FROM MARCO RUIZ CARRENO PAYMENT ID BACo3jkx7o6v 20.00
11/27 ZELLE PAYMENT FROM MARCO RUIZ CARRENO PAYMENT ID BACkqyt5cpvi 20.00
11/27 VISA MONEY TRANSFER CREDIT 11-26-23 SAN FRANCISCO CA 1878 DOORDASH, INC. 52.51
Total deposits, credits and interest = $1,012.73
 Questions, comments or errors?
For general questions/comments or to report errors about your statement or have stopped someone from making electronic transfers without your permission if
account, please call us at 1-844-4TRUIST (1-844-487-8478) 24 hours a day, 7 days you had told us, you could lose as much as $500. Also, if your periodic statement
a week. Truist Contact Center teammates are available to assist you from 8am shows transfers you did not make, tell us at once. If you do not tell us within sixty (60)
8pm EST Monday-Friday and 8am 5pm EST on Saturday. You may also contact days after the statement was mailed to you, you may not get back any money you lost
your local Truist branch. To locate a Truist branch in your area, please visit after sixty (60) days if we can prove we could have stopped someone from taking the
Truist.com. money if you had told us in time.

Electronic fund transfers (For Consumer Accounts Only. Commercial Accounts Important information about your Truist Ready Now Credit Line Account
refer to the Commercial Bank Services Agreement.) Once advances are made from your Truist Ready Now Credit Line Account, an
Services such as Bill Payments and Zelle® are subject to the terms and conditions INTEREST CHARGE will automatically be imposed on the account's outstanding
governing those services, which may not provide an error resolution process in all “Average daily balance.” The INTEREST CHARGE is calculated by applying the “Daily
cases. Please refer to the terms and conditions for those services. periodic rate” to the ‘Average daily balance” of your account (including current
transactions) and multiplying this figure by the number of days in the billing cycle. To
In case of errors or questions about your electronic fund transfers, if you think your get the “Average daily balance,” we take the beginning account balance each day, add
statement or receipt is wrong or if you need more information about a transfer on any new advances or debits, and subtract any payments or credits and the last unpaid
the statement or receipt, IMMEDIATELY call 1-844-487-8478 or write to: INTEREST CHARGE. This gives us the daily balance. Then we add all of the daily
Fraud Management balances for the billing cycle and divide the total by the number of days in the billing
P.O. Box 1014 cycle. This gives us the ‘Average daily balance.”
Charlotte, NC 28201
Tell us as soon as you can, if you think your statement or receipt is wrong, or if you Billing Rights Summary
need more information about a transfer listed on the statement or receipt. We In case of errors or questions about your Truist Ready Now Credit Line statement
must hear from you no later than sixty (60) days after we sent the FIRST statement If you think your statement is incorrect, or if you need more information about a Truist
on which the problem or error appeared. Ready Now Credit Line transaction on your statement, please call 1-844-4TRUIST or
• Tell us your name and deposit account number (if any) visit your local Truist branch. To dispute a payment, please write to us on a separate
• Describe the error or transfer you are unsure of, and explain as clearly as you can sheet of paper at the following address:
why you believe it is an error or why you need more information Card and Direct to Consumer Lending
• Tell us the dollar amount of the suspected error PO Box 200
If you tell us orally, we may require that you also send us your complaint or Wilson NC 27894-0200
question in writing within ten (10) business days. We will tell you the results of our We must hear from you no later than sixty (60) days after we sent you the FIRST
investigation within ten (10) business days after we hear from you, and we will statement on which the error or problem appeared. You may telephone us, but doing
correct any error promptly. If we need more time, however, we may take up to so will not preserve your rights. In your letter, please provide the following
forty-five (45) days to investigate your complaint or questions for ATM information:
transactions made within the United States and up to ninety (90) days for new • Your name and account number
accounts, foreign initiated transactions and point-of-sale transactions. If we decide • Describe the error or transfer you are unsure about, and explain in detail why you
to do this, we will re-credit your account within ten (10) business days for the believe this is an error or why you need more information
amount you think is in error, minus a maximum of $50. If we ask you to put your • The dollar amount of the suspected error
complaint in writing, and we do not receive it within ten (10) business days, we may During our investigation process, you are not responsible for paying any amount in
not re-credit your account and you will not have use of the money during the time question; you are, however, obligated to pay the items on your statement that are not
it takes us to complete our investigation. in question. While we investigate your question, we cannot report you as delinquent
or take any action to collect the amount in question.
Tell us AT ONCE if you believe your access device has been lost or stolen, or
someone may have electronically transferred money from your account without Mail-in deposits
your permission, or someone has used information from a check to conduct an If you wish to mail a deposit, please send a deposit ticket and check to your local Truist
unauthorized electronic fund transfer. If you tell us within two (2) business days branch. Visit Truist.com to locate the Truist branch closest to you. Please do not send
after you learn of the loss or theft of your access device or the unauthorized cash.
transaction, you can lose no more than $50 if someone makes electronic transfers
without your permission. Change of address
If you need to change your address, please visit your local Truist branch or call Truist
If you do NOT tell us within two (2) business days after you learn of the loss or theft Contact Center at 1-844-4TRUIST (1-844-487-8478).
of your access device or the unauthorized transaction, and we can prove we could

How to Reconcile Your Account Outstanding Checks and Other Debits (Section A)
Date/Check # Amount Date/Check # Amount
1. List the new balance of your account from your latest statement here:

2. Record any outstanding debits (checks, check card purchases, ATM

withdrawals, electronic transactions, etc.) in section A. Record the
transaction date, the check number or type of debit and the debit amount.
Add up all of the debits, and enter the sum here:
3. Subtract the amount in Line 2 above from the amount in Line 1 above and
enter the total here:

4. Record any outstanding credits in section B. Record the transaction date,

credit type and the credit amount. Add up all of the credits and enter the
sum here: Outstanding Deposits and Other Credits (Section B)
5. Add the amount in Line 4 to the amount in Line 3 to find your balance. Enter Date/Type Amount Date/Type Amount
the sum here. This amount should match the balance in your register.
For more information, please contact your local Truist branch, visit Truist.com or contact us at 1-844-4TRUIST (1-844-487-8478). MEMBER FDIC

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