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 01/05/2024 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 18,927.54 page 1
Total checking and money market savings accounts $18,927.54

TRUIST SAVINGS 4100005533200 15.27 page 3

Total savings accounts $15.27

Checking and money market savings accounts

TRUIST ONE CHECKING 1100019613737

Account summary
Your previous balance as of 12/05/2023 $23,219.39
Checks - 1,500.00
Other withdrawals, debits and service charges - 33,422.04
Deposits, credits and interest + 30,630.19
Your new balance as of 01/05/2024 = $18,927.54

Checks
DAT E CHECK # AMO UNT($ )
12/19 7023688 1,500.00
Total checks = $ 1,500.00

Other withdrawals, debits and service charges

DATE DESCR IPTIO N AM OUN T($ )
12/06 ZELLE PAYMENT TO Nelta Sol PAYMENT ID BBT206435710 800.00
12/07 TRUIST ONLINE TRANSFER MOBILE TO ****3200 - 500.00
12/07 ZELLE PAYMENT TO Claire Lourdes PAYMENT ID BBT206666311 2,000.00
12/08 TRUIST ONLINE TRANSFER MOBILE TO ****3200 - 315.00
12/11 DEBIT CARD PURCHASE AMZN Mktp US*5123Y 12-08 Amzn.com/bill WA 3555 21.10
12/11 DEBIT CARD PURCHASE AMZN Mktp US*865LD 12-09 Amzn.com/bill WA 3555 57.76
12/11 DEBIT CARD PURCHASE AMZN Mktp US*NZ7CI 12-09 Amzn.com/bill WA 3555 14.39
12/11 DEBIT CARD PURCHASE-PIN 12-08-23 POMPANO BEACH FL 3555 CLAIRE'S #3028 2001 N FED 10.70
continued

0037004
 TRUIST ONE CHECKING 1100019613737 (continued)
DATE DESCR IPTIO N AM OUN T($ )
12/11 DEBIT CARD PURCHASE RAINBOW #1150 12-08 POMPANO BEACH FL 3555 30.99
12/11 ZELLE PAYMENT TO Claire Lourdes PAYMENT ID BBT206968137 500.00
12/11 DEBIT CARD PURCHASE ACI*SANTANDER CONS 12-09 888-999-6676 NE 3555 890.05
12/11 DEBIT CARD PURCHASE Prime Video *NI5DT 12-09 888-802-3080 WA 3555 4.52
12/11 DEBIT CARD PURCHASE PP*So Posh Dolls 12-10 954-8030326 FL 3555 5.00
12/11 TRUIST ONLINE TRANSFER MOBILE TO ****4110 - 700.00
12/11 ZELLE PAYMENT TO T T PAYMENT ID BBT207326464 300.00
12/12 DEBIT CARD PURCHASE WAWA 5194 12-11 POMPANO BEACH FL 3555 30.42
12/12 DEBIT CARD PURCHASE PUBLIX #1036 12-11 POMPANO BEACH FL 3555 2.39
12/13 DEBIT CARD PURCHASE CHICK-FIL-A #02483 12-11 POMPANO BEACH FL 3555 12.72
12/13 DEBIT CARD PURCHASE MUSASHI THAI SUSHI 12-11 FORT LAUDERDA FL 3555 20.22
12/13 DEBIT CARD PURCHASE ACI EXETER FINANCE 12-12 800-321-9637 TX 3555 644.88
12/13 DEBIT CARD PURCHASE-PIN 12-12-23 POMPANO BEAC FL 3555 COSTCO WHSE #0088 134.76
12/13 DEBIT CARD PURCHASE-PIN 12-12-23 POMPANO BEAC FL 3555 COSTCO WHSE #0088 287.74
12/13 DEBIT CARD PURCHASE AMZN Mktp US*V95YF 12-13 Amzn.com/bill WA 3555 53.49
12/13 TRUIST ONLINE TRANSFER MOBILE TO ****4110 - 2,000.00
12/14 DEBIT CARD PURCHASE AMZN Mktp US*TF8D8 12-13 Amzn.com/bill WA 3555 45.46
12/14 DEBIT CARD PURCHASE AMZN Mktp US*X01L2 12-13 Amzn.com/bill WA 3555 85.58
12/14 DEBIT CARD PURCHASE AMZN Mktp US*8R22E 12-13 Amzn.com/bill WA 3555 35.07
12/14 DEBIT CARD PURCHASE-PIN 12-13-23 POMPANO BEACH FL 3555 SAITO JAPANESE STEAKHOUSE 145.95
12/14 DEBIT CARD PURCHASE WAL-MART #1517 12-13 POMPANO BEACH FL 3555 18.61
12/14 INTERNET PAYMENT MOBILE PMT CAPITAL ONE 3SV7LFGN2Q5JF4P 238.97
12/14 INTERNET PAYMENT MOBILE PMT CAPITAL ONE 3SV7LF5KXMU7IBP 299.12
12/14 INTERNET PAYMENT MOBILE PMT CAPITAL ONE 3SV7LEH89ABWEU0 546.10
12/14 INTERNET PAYMENT E-PAYMENT DISCOVER 7213 2,482.28
12/15 INTERNET PAYMENT E-PAYMENT DISCOVER 9654 35.00
12/18 DEBIT CARD PURCHASE AMZN Mktp US*ES0PP 12-15 Amzn.com/bill WA 3555 49.20
12/18 DEBIT CARD RECURRING PYMT Amazon Prime*6F4ZO 12-15 Amzn.com/bill WA 3555 15.13
12/18 TRUIST ONLINE TRANSFER MOBILE TO ****4110 - 700.00
12/18 DEBIT CARD PURCHASE Prime Video Channe 12-17 amzn.com/bill WA 3555 9.04
12/19 DEBIT CARD PURCHASE AMZN Mktp US*FJ1KO 12-18 Amzn.com/bill WA 3555 29.95
12/20 DEBIT CARD PURCHASE Prime Video Channe 12-19 amzn.com/bill WA 3555 11.30
12/20 INTERNET PAYMENT MOBILE PMT CAPITAL ONE 3SWHAZ17JXBBJVD 6.20
12/20 INTERNET PAYMENT MOBILE PMT CAPITAL ONE 3SWHAYBKXR12JVC 193.96
12/20 ZELLE PAYMENT TO Joubens PAYMENT ID BBT208779055 360.00
12/21 DEBIT CARD PURCHASE AMZN Mktp US*JM1MI 12-20 Amzn.com/bill WA 3555 54.28
12/21 DEBIT CARD PURCHASE PAYSTUBSNOW 12-20 469-3400758 CA 3555 26.97
12/21 DEBIT CARD PURCHASE AMZN MKTP US*LT269 12-21 SEATTLE WA 3555 53.49
12/21 RECURRING INTERNET PAYMENT CRCARDPMT CAPITAL ONE 3SWOS4P77LNIHZB 25.00
12/21 DEBIT CARD PURCHASE-PIN 12-21-23 POMPANO BEACH 3555 WM SUPERC WAL-MART SUP 3.98
12/21 ZELLE PAYMENT TO James Alexandre PAYMENT ID BBT209028694 75.00
12/22 DEBIT CARD PURCHASE SHELL OIL 57543958 12-20 MIAMI FL 3555 30.00
12/22 DEBIT CARD PURCHASE AMZN Mktp US*895O8 12-21 Amzn.com/bill WA 3555 83.02
12/26 DEBIT CARD PURCHASE AMZN Mktp US*SN85W 12-22 Amzn.com/bill WA 3555 117.69
12/26 ZELLE PAYMENT TO Remy Photo PAYMENT ID BBT209300179 160.00
12/26 DEBIT CARD PURCHASE AMZN Mktp US*3E62I 12-23 Amzn.com/bill WA 3555 53.49
12/26 DEBIT CARD PURCHASE AMZN Mktp US*RX3S4 12-24 Amzn.com/bill WA 3555 144.45
12/26 DEBIT CARD PURCHASE AMZN Mktp US*6V9KZ 12-23 Amzn.com/bill WA 3555 39.58
12/26 DEBIT CARD PURCHASE AMZN Mktp US*7W9PP 12-23 Amzn.com/bill WA 3555 42.79
12/26 DEBIT CARD PURCHASE AMZN Mktp US*734T3 12-23 Amzn.com/bill WA 3555 81.31
12/26 DEBIT CARD PURCHASE MACYS BOCA RATON 12-23 BOCA RATON FL 3555 609.90
12/26 DEBIT CARD PURCHASE AMZN Mktp US*CE58L 12-24 Amzn.com/bill WA 3555 48.15
12/26 DEBIT CARD PURCHASE AUNTIE ANNE'S FL 2 12-23 BOCA RATON FL 3555 10.46
12/26 DEBIT CARD PURCHASE AMZN Mktp US*4W91Z 12-24 Amzn.com/bill WA 3555 53.49
12/26 ZELLE PAYMENT TO Mid PAYMENT ID BBT209693853 80.00
12/26 ZELLE PAYMENT TO Eve PAYMENT ID BBT209751843 50.00
12/27 DEBIT CARD PURCHASE Kindle Unltd*XE9AQ 12-26 888-802-3080 WA 3555 11.99
12/27 DEBIT CARD PURCHASE Prime Video Channe 12-27 amzn.com/bill WA 3555 18.09
12/28 DEBIT CARD PURCHASE AMZN Mktp US*YA23W 12-27 Amzn.com/bill WA 3555 42.79
12/28 DEBIT CARD PURCHASE Amazon.com*QP2TJ4W 12-28 Amzn.com/bill WA 3555 149.79
12/29 DEBIT CARD PURCHASE ATT*BILL PAYMENT 12-28 800-331-0500 TX 3555 180.30
01/02 DEBIT CARD PURCHASE Prime Video Channe 12-29 amzn.com/bill WA 3555 13.57
continued
 TRUIST ONE CHECKING 1100019613737 (continued)
DATE DESCR IPTIO N AM OUN T($ )
01/02 DEBIT CARD PURCHASE Prime Video Channe 12-29 amzn.com/bill WA 3555 13.57
01/02 DEBIT CARD PURCHASE AMZN Mktp US*HN0JA 01-02 Amzn.com/bill WA 3555 10.69
01/02 DEBIT CARD RECURRING PYMT STARTHUB 01-01 WWW.STARTHUBM FL 3555 39.00
01/02 ZELLE PAYMENT TO Zoeee PAYMENT ID BBT210892212 250.00
01/02 ZELLE PAYMENT TO Bee Friend PAYMENT ID BBT210930878 80.00
01/02 ZELLE PAYMENT TO Zoeee PAYMENT ID BBT210956370 100.00
01/03 DEBIT CARD PURCHASE AMZN Mktp US*TK0AH 01-03 Amzn.com/bill WA 3555 59.98
01/03 DEBIT CARD PURCHASE AMZN Mktp US*7N9FA 01-03 Amzn.com/bill WA 3555 59.98
01/03 DEBIT CARD RECURRING PYMT PHONE.COM 01-02 WWW.PHONE.COM CA 3555 21.90
01/03 TRUIST ONLINE TRANSFER MOBILE TO ****3200 - 6,528.19
01/04 DEBIT CARD PURCHASE MYFREESCORENOW.COM 01-03 800-2188306 WA 3555 24.95
01/04 DEBIT CARD PURCHASE AMZN Mktp US*TK88F 01-04 Amzn.com/bill WA 3555 22.35
01/05 DEBIT CARD PURCHASE FiverrInc 01-04 158-5348280 NY 3555 65.80
01/05 DEBIT CARD PURCHASE THE ELITE HOME MAG 01-04 865-6601393 FL 3555 198.00
01/05 INTERNET PAYMENT WEB PMTS PL*OptimumProper VDPPW5 3,045.00
Total other withdrawals, debits and service charges = $33,422.04

Deposits, credits and interest

DATE DESCR IPTIO N AM OUN T($ )
12/06 ZELLE PAYMENT FROM YONEL DESRAMEAUX PAYMENT ID WFCT0RRYBBW4 500.00
12/07 ZELLE PAYMENT FROM GAEL CHARLES PAYMENT ID WFCT0RS29F5K 500.00
12/08 ZELLE PAYMENT FROM LOURDES SAINT JEAN PAYMENT ID NAV0I0ETA71R 315.00
12/11 ZELLE PAYMENT FROM CLYFFORD MICHEL PAYMENT ID BACpb89957ey 300.00
12/11 ZELLE PAYMENT FROM JEFF PERICLES PAYMENT ID NAV0I0FU4AJP 700.00
12/11 ZELLE PAYMENT FROM LIFRANA SERVIUS PAYMENT ID JPM99a68etli 843.00
12/11 ZELLE PAYMENT FROM CLYFFORD MICHEL PAYMENT ID BACkrc9ejmyk 900.00
12/11 ZELLE PAYMENT FROM CLYFFORD MICHEL PAYMENT ID BACl29qqsuvg 3,000.00
12/12 ZELLE PAYMENT FROM MERLANDINA ALEXANDRE PAYMENT ID CTI6XGW6tks7 5,000.00
12/14 ZELLE PAYMENT FROM MERLANDINA ALEXANDRE PAYMENT ID CTI3OTvBlHrO 700.00
12/15 ZELLE PAYMENT FROM JEAN WIDSON Desrameaux PAYMENT ID JPM99a6jpbrn 400.00
12/15 TRUIST ATM MIXED DEPOSIT 12-15-23 00:02 AK36 BAYVIEW BRANCH 61364277 700.00
12/18 ZELLE PAYMENT FROM MIDELINE PIERRE PAYMENT ID BACypcpwwot1 325.00
12/20 ZELLE PAYMENT FROM STACEY GUIGNARD PAYMENT ID JPM99a6skvl6 500.00
12/21 ZELLE PAYMENT FROM FRITZ ALEXANDRE PAYMENT ID JPM99a6udroh 93.00
12/27 ZELLE PAYMENT FROM YOLANNE DESRAMEAUX PAYMENT ID BACyshjutw9u 500.00
01/02 ZELLE PAYMENT FROM BERLANDA ALEXANDRE PAYMENT ID JPM99a7eg3ol 250.00
01/02 ZELLE PAYMENT FROM RALPH V CASTIN PAYMENT ID JPM99a7fb4sj 331.00
01/02 DEPOSIT 450.00
01/03 ZELLE PAYMENT FROM JUSBINE BERNARD PAYMENT ID BACant2qwcih 2,400.00
01/03 ZELLE PAYMENT FROM JOUBENS BERNARD PAYMENT ID BACk5yrymkzq 3,395.00
01/04 TRUIST ONLINE TRANSFER MOBILE FROM ****3200 - 4,528.19
Total deposits, credits and interest = $30,630.19

Savings accounts

TRUIST SAVINGS 4100005533200

Account summary Interest summary
Your previous balance as of 12/05/2023 $2,500.26 Interest paid this statement period $0.01
Other withdrawals, debits and service charges - 7,828.19 2023 interest paid year-to-date $0.55
Deposits, credits and interest + 5,343.20 Interest rate 0.01%
Your new balance as of 01/05/2024 = $15.27 Annual percentage yield (APY) earned 0.01%

Other withdrawals, debits and service charges

DATE DESCR IPTIO N AM OUN T($ )
12/08 TRUIST DEPOSIT TRANSFER MOBILE TO ****4110 - 300.00
12/14 ZELLE PAYMENT TO Cash PAYMENT ID BBT207802737 1,000.00
12/19 TELLER CASHED WITHDRAWAL 2,000.00
continued

0037005
 TRUIST SAVINGS 4100005533200 (continued)
DATE DESCR IPTIO N AM OUN T($ )
01/04 TRUIST DEPOSIT TRANSFER MOBILE TO ****3737 - 4,528.19
Total other withdrawals, debits and service charges = $7,828.19

Deposits, credits and interest

DATE DESCR IPTIO N AMO UNT($)
12/07 TRUIST ONLINE TRANSFER MOBILE FROM ****3737 - 500.00
12/08 TRUIST ONLINE TRANSFER MOBILE FROM ****3737 - 315.00
01/03 TRUIST ONLINE TRANSFER MOBILE FROM ****3737 - 4,528.19
01/05 INTEREST PAYMENT 0.01
Total deposits, credits and interest = $5,343.20

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).

Effective November 16, 2023, balances from the Truist Health Savings Account will no longer be included when calculating total
combined deposit balances to set product tiers/levels and/or waive the monthly maintenance fee.

If you have any questions about this change, please see the Personal Deposit Accounts Fee Schedule
www.Truist.com/personaldepositsfeeschedule, contact your local Truist branch, your relationship manager (if applicable), or call
844-4TRUIST (844-487-8478).
 Questions, comments or errors?
For general questions/comments or to report errors about your statement or
account, please call us at 1-844-4TRUIST (1-844-487-8478) 24 hours a day, 7 days
a week. Truist Contact Center teammates are available to assist you from 8am
8pm EST Monday-Friday and 8am 5pm EST on Saturday. You may also contact
your local Truist branch. To locate a Truist branch in your area, please visit
Truist.com.
Electronic fund transfers (For Consumer Accounts Only. Commercial Accounts
refer to the Commercial Bank Services Agreement.)
Services such as Bill Payments and Zelle® are subject to the terms and conditions
governing those services, which may not provide an error resolution process in all
cases. Please refer to the terms and conditions for those services.
In case of errors or questions about your electronic fund transfers, if you think your
statement or receipt is wrong or if you need more information about a transfer on
the statement or receipt, IMMEDIATELY call 1-844-487-8478 or write to:
Fraud Management
P.O. Box 1014
Charlotte, NC 28201
Tell us as soon as you can, if you think your statement or receipt is wrong, or if you
need more information about a transfer listed on the statement or receipt. We
must hear from you no later than sixty (60) days after we sent the FIRST statement
on which the problem or error appeared.
• Tell us your name and deposit account number (if any)
• Describe the error or transfer you are unsure of, 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
If you tell us orally, we may require that you also send us your complaint or
question in writing within ten (10) business days. We will tell you the results of our
investigation within ten (10) business days after we hear from you, and we 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 questions for ATM
transactions made within the United States and up to ninety (90) days for new
accounts, foreign initiated transactions and point-of-sale transactions. If we decide
to do this, we will re-credit your account within ten (10) business days for the
amount you think is in error, minus a maximum of $50. If we ask you to put your
complaint in writing, and we do not receive it within ten (10) business days, we may
not re-credit your account and you will not have use of the money during the time
it takes us to complete our investigation.
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
your permission, or someone has used information from a check to conduct an
unauthorized electronic fund transfer. If you tell us within two (2) business days
after you learn of the loss or theft of your access device or the unauthorized
transaction, you can lose no more than $50 if someone makes electronic transfers
without your permission.
If you do NOT tell us within two (2) business days after you learn of the loss or theft
of your access device or the unauthorized transaction, and we can prove we could
How to Reconcile Your Account
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:
5. Add the amount in Line 4 to the amount in Line 3 to find your balance. Enter
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
0037006
have stopped someone from making electronic transfers without your permission if
you had told us, you could lose as much as $500. Also, if your periodic statement
shows transfers you did not make, tell us at once. If you do not tell us within sixty (60)
days after the statement was mailed to you, you may not get back any money you lost
after sixty (60) days if we can prove we could have stopped someone from taking the
money if you had told us in time.
Important information about your Truist Ready Now Credit Line Account
Once advances are made from your Truist Ready Now Credit Line Account, an
INTEREST CHARGE will automatically be imposed on the account's outstanding
“Average daily balance.” The INTEREST CHARGE is calculated by applying the “Daily
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
get the “Average daily balance,” we take the beginning account balance each day, add
any new advances or debits, and subtract any payments or credits and the last unpaid
INTEREST CHARGE. This gives us the daily balance. Then we add all of the daily
balances for the billing cycle and divide the total by the number of days in the billing
cycle. This gives us the “Average daily balance.”
Billing Rights Summary
In case of errors or questions about your Truist Ready Now Credit Line statement
If you think your statement is incorrect, or if you need more information about a Truist
Ready Now Credit Line transaction on your statement, please call 1-844-4TRUIST or
visit your local Truist branch. To dispute a payment, please write to us on a separate
sheet of paper at the following address:
Card and Direct to Consumer Lending
PO Box 200
Wilson NC 27894-0200
We must hear from you no later than sixty (60) days after we sent you the FIRST
statement on which the error or problem appeared. You may telephone us, but doing
so will not preserve your rights. In your letter, please provide the following
information:
• Your name and account number
• Describe the error or transfer you are unsure about, and explain in detail why you
believe this is an error or why you need more information
• The dollar amount of the suspected error
During our investigation process, you are not responsible for paying any amount in
question; you are, however, obligated to pay the items on your statement that are not
in question. While we investigate your question, we cannot report you as delinquent
or take any action to collect the amount in question.
Mail-in deposits
If you wish to mail a deposit, please send a deposit ticket and check to your local Truist
branch. Visit Truist.com to locate the Truist branch closest to you. Please do not send
cash.
Change of address
If you need to change your address, please visit your local Truist branch or call Truist
Contact Center at 1-844-4TRUIST (1-844-487-8478).
Outstanding Checks and Other Debits (Section A)
Date/Check # Amount Date/Check # Amount
Outstanding Deposits and Other Credits (Section B)
Date/Type Amount Date/Type Amount