885-41-01-00 50158 1 C 001 01 S 66 002

ARNOLD KELLY FRANCOIS

61555 SPRING HARBOUR DR
APT H
DELRAY BEACH, FL 33445-4235

Your consolidated statement Contact us

(844) 4TRUIST or
For 12/05/2023 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.

Summary of your accounts

ACCO UNT N AME ACCO UNT N UMBER BALANCE($ ) DETAILS ON
TRUIST ONE CHECKING 1100019613737 25,511.24 page 1
Total checking and money market savings accounts $25,511.24

TRUIST SAVINGS 4100005533200 2,500.26 page 3

Total savings accounts $2,500.26

Checking and money market savings accounts

TRUIST ONE CHECKING 1100019613737

Account summary
Your previous balance as of 11/03/2023 $22,030.96
Checks - 2,825.00
Other withdrawals, debits and service charges - 24,747.77
Deposits, credits and interest + 31,053.05
Your new balance as of 12/05/2023 = $25,511.24

Checks
DAT E CHECK # AMO UNT($ )
11/08 7014013 2,825.00
Total checks = $ 2,825.00

Other withdrawals, debits and service charges

DATE DESCR IPTIO N AM OUN T($ )
11/06 ZELLE PAYMENT TO Lourdes PAYMENT ID BBT201454886 50.00
11/06 ZELLE PAYMENT TO Lourdes PAYMENT ID BBT201472976 470.00
11/06 ZELLE PAYMENT TO Lourdes PAYMENT ID BBT201653162 100.00
11/06 ZELLE PAYMENT TO Lourdes PAYMENT ID BBT201705677 310.00
11/07 INTERNET PAYMENT Rent Linden Pointe 206525427 3,265.02
11/07 ZELLE PAYMENT TO Nelta Sol PAYMENT ID BBT201857395 500.00
11/08 ZELLE PAYMENT TO Lourdes PAYMENT ID BBT201983843 200.00
11/08 ZELLE PAYMENT TO Lourdes PAYMENT ID BBT202108383 50.00
continued

0036675
 TRUIST ONE CHECKING 1100019613737 (continued)
DATE DESCR IPTIO N AM OUN T($ )
11/10 INTERNET PAYMENT E-PAYMENT DISCOVER 9654 35.00
11/10 TRUIST ONLINE TRANSFER MOBILE TO ****4110 - 60.00
11/13 DEBIT CARD PURCHASE-PIN 11-11-23 POMPANO BEAC FL 3555 AT&T PM66 54920 32.20
11/13 DEBIT CARD PURCHASE RACETRAC665 0000 11-11 FORT LAUDERDA FL 3555 40.17
11/13 ZELLE PAYMENT TO Tow Tow PAYMENT ID BBT202615671 238.40
11/13 DEBIT CARD PURCHASE-PIN 11-12-23 POMPANO BEACH 3555 WAL-MART SUPER CENTER 9.42
11/14 ZELLE PAYMENT TO Kedelson Achille PAYMENT ID BBT202953914 150.00
11/15 ZELLE PAYMENT TO Nelta Sol PAYMENT ID BBT203061824 800.00
11/16 ZELLE PAYMENT TO Towin PAYMENT ID BBT203285167 180.00
11/17 INTERNET PAYMENT MOBILE PMT CAPITAL ONE 3SPJF7OJTOD81EG 25.00
11/17 INTERNET PAYMENT MOBILE PMT CAPITAL ONE 3SPJF73TB5FQKQT 28.00
11/17 INTERNET PAYMENT MOBILE PMT CAPITAL ONE 3SPJF593P9VT4RD 33.00
11/20 ZELLE PAYMENT TO Lourdes PAYMENT ID BBT203663432 60.00
11/20 ZELLE PAYMENT TO Lourdes PAYMENT ID BBT203891941 139.00
11/21 RECURRING INTERNET PAYMENT CRCARDPMT CAPITAL ONE 3SQCZ7I19X0OADJ 25.00
11/22 ZELLE PAYMENT TO Nelta Sol PAYMENT ID BBT204143662 800.00
11/27 DEBIT CARD PURCHASE ROSS STORES #1778 11-25 POMPANO BEACH FL 3555 65.25
11/27 TRUIST ONLINE TRANSFER MOBILE TO ****4110 - 150.00
11/27 ZELLE PAYMENT TO Top Transfer PAYMENT ID BBT204856999 107.00
11/27 INTERNET PAYMENT E-PAYMENT DISCOVER 7213 44.00
11/27 ZELLE PAYMENT TO Mid PAYMENT ID BBT204965269 23.00
11/28 ZELLE PAYMENT TO Lourdes PAYMENT ID BBT205069742 110.00
11/29 DEBIT CARD MISC DEBIT CASH APP*CHEESE 11-28 800-9691940 CA 3555 43.00
11/29 DEBIT CARD MISC DEBIT CASH APP*CHEESE 11-28 800-9691940 CA 3555 26.00
11/29 ZELLE PAYMENT TO Wilfrid D PAYMENT ID BBT205255165 2,000.00
11/30 DEBIT CARD PURCHASE SPIRIT AIRL 487037 11-28 800-7727117 FL 3555 64.00
12/01 INTERNET PAYMENT WEB PMTS YARDI SERVICECHG MW1R8F 0.95
12/01 INTERNET PAYMENT WEB PMTS BOZZUTO-970-OPER 209R8F 5,409.36
12/01 ZELLE PAYMENT TO Lourdes PAYMENT ID BBT205710565 60.00
12/05 INTERNET PAYMENT WEB PMTS PL*OptimumProper V9P2S5 2,045.00
12/05 TRUIST ONLINE TRANSFER MOBILE TO ****3200 - 2,500.00
12/05 TRUIST ATM CASH WITHDRAWAL 12-05-23 3555 SAMPLE ROAD BRANCH 500.00
Total other withdrawals, debits and service charges = $20,747.77

Overdraft and Returned Item Fees

TO TAL THIS STATEMENT PER IO D($ ) TO TAL YEAR-TO -D ATE ($ )
Total Overdraft Fees* 0.00 72.00
Total Returned Item Fees 0.00 0.00
Refunds for Overdraft/Returned Item Fees 0.00 0.00
*Total Overdraft Fees include Overdraft Fees and Negative Account Balance Fees.

Deposits, credits and interest

DATE DESCR IPTIO N AM OUN T($ )
11/06 ZELLE PAYMENT FROM MATHIANA DUCELUS PAYMENT ID CTIfcsz5sj7w 300.00
11/06 ZELLE PAYMENT FROM SORAYHA SAINT LOUIS PAYMENT ID JPM99a4k7lup 2,000.00
11/07 ZELLE PAYMENT FROM MARCELE PERRIER PAYMENT ID JPM99a4pwny2 50.00
11/07 ZELLE PAYMENT FROM JUSTIN JOSEPH PAYMENT ID NAV0HZJB3VA3 247.00
11/07 ZELLE PAYMENT FROM MATHIANA DUCELUS PAYMENT ID CTInmlV0OuUv 300.00
11/08 TURO 86673 TURO 8667352901 UNIQUE ELLE LLC CUSTOMER ID ST-L9K8R7P1L1W2 50.00
11/10 ZELLE PAYMENT FROM LOURDES SAINT JEAN PAYMENT ID NAV0HZMCMJUS 60.00
11/10 ZELLE PAYMENT FROM CHRISTIANE ANTOINE PAYMENT ID BACb8p9g0f71 3,000.00
11/13 ZELLE PAYMENT FROM CHRISTIANE ANTOINE PAYMENT ID BACef0vaukfi 100.00
11/13 TURO 86673 TURO 8667352901 UNIQUE ELLE LLC CUSTOMER ID ST-H8P0O9C0F7X0 153.90
11/13 ZELLE PAYMENT FROM BELUCE MATHURIN PAYMENT ID WFCT0RQ6HNN9 500.00
11/13 ZELLE PAYMENT FROM CHRISTIANE ANTOINE PAYMENT ID BACiv1iz94cm 3,200.00
11/17 TURO 86673 TURO 8667352901 UNIQUE ELLE LLC CUSTOMER ID ST-L8D3B2L5X3U5 78.93
11/20 ZELLE PAYMENT FROM CHRISTIANE ANTOINE PAYMENT ID BACfwkbbaqq5 100.00
11/21 DEBIT CARD RETURN AT&T PM66 54920 11-20 POMPANO BEAC FL 3555 32.20
11/21 TRUIST ATM MIXED DEPOSIT 11-20-23 22:19 AL37 SAMPLE ROAD BRANCH 62370106 100.00
11/21 TRUIST ATM MIXED DEPOSIT 11-20-23 22:17 AL37 SAMPLE ROAD BRANCH 62370104 600.00
11/21 TRUIST ATM MIXED DEPOSIT 11-20-23 22:16 AL37 SAMPLE ROAD BRANCH 62370102 600.00
continued
 TRUIST ONE CHECKING 1100019613737 (continued)
DATE DESCR IPTIO N AM OUN T($ )
11/22 ZELLE PAYMENT FROM LOURDES SAINT JEAN PAYMENT ID NAV0HZYJQSTK 1,500.00
11/24 ZELLE PAYMENT FROM LOURDES SAINT JEAN PAYMENT ID NAV0I00KIGK9 2,025.00
11/27 ZELLE PAYMENT FROM LOURDES SAINT JEAN PAYMENT ID NAV0I03M34QL 100.00
11/27 ZELLE PAYMENT FROM LOURDES SAINT JEAN PAYMENT ID NAV0HZYJR6Q7 500.00
11/28 ZELLE PAYMENT FROM LOURDES SAINT JEAN PAYMENT ID NAV0I00KIMZX 275.00
11/28 ZELLE PAYMENT FROM LOURDES SAINT JEAN PAYMENT ID NAV0I03M3P4B 400.00
11/28 ZELLE PAYMENT FROM LOURDES SAINT JEAN PAYMENT ID NAV0I02LU3OZ 1,000.00
11/29 ZELLE PAYMENT FROM LOURDES SAINT JEAN PAYMENT ID NAV0I04MGHE4 825.00
12/01 ZELLE PAYMENT FROM RAMONE JAMES PAYMENT ID JPM99a5us3q4 2,000.00
12/04 ZELLE PAYMENT FROM MAECHA OLIFRENE PAYMENT ID WFCT0RRP996W 2,000.00
12/04 ZELLE PAYMENT FROM MAECHA OLIFRENE PAYMENT ID BACo2aoz35na 2,195.00
12/05 DEPOSIT 1.02
12/05 TRUIST ATM MIXED DEPOSIT 12-05-23 14:36 AL37 SAMPLE ROAD BRANCH 62375025 260.00
12/05 ZELLE PAYMENT FROM MIDELINE PIERRE PAYMENT ID BACc9i8yhhcj 3,500.00
Total deposits, credits and interest = $31,053.05

Savings accounts

TRUIST SAVINGS 4100005533200

Account summary Interest summary
Your previous balance as of 11/03/2023 $0.26 Interest paid this statement period $0.00
Other withdrawals, debits and service charges - 0.00 2023 interest paid year-to-date $0.55
Deposits, credits and interest + 2,500.00 Interest rate 0.01%
Your new balance as of 12/05/2023 = $2,500.26

Deposits, credits and interest

DATE DESCR IPTIO N AMO UNT($)
12/05 TRUIST ONLINE TRANSFER MOBILE FROM ****3737 - 2,500.00
Total deposits, credits and interest = $2,500.00

Changes are being made effective February 1, 2024, to the Bank Services Agreement (“BSA”) that governs your account, including
revisions to the Duty to Review Account Statement , Governing Laws, Dormant Accounts paragraphs, Deposits at Night Depository
Facilities and Automated Teller Machines, and Electronic Fund Transfer Agreement & Disclosures paragraphs. Continued use of your
account after the effective date constitutes your acceptance of the changes. The most current version of the BSA can be obtained at any
Truist branch or online at www.truist.com/BSA. All future transactions on your account will be governed by the amended BSA. If you
have any questions about this change, contact your local Truist branch, your relationship manager, if applicable, or call 844-4TRUIST
(844-487-8478).

0036676
 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

0036676