889-35-01-00 40266 0 C 001 09 S 66 002

CARMEN A L I C I A QUINTERO
4 0 5 P I N E CONE C I R
HAUGHTON LA 71037-9510

Your account statement Contact us

(844) 4TRUIST or
For 09/15/2023 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.

ESSENTIAL CHECKING 1000297679101

Account summary
Your previous balance as of 08/16/2023 $0.00
Checks - 0.00
Other withdrawals, debits and service charges - 1,165.90
Deposits, credits and interest + 1,220.00
Your new balance as of 09/15/2023 = $54.10

Other withdrawals, debits and service charges

DATE DESCR IPTIO N AM OUN T($ )
08/21 ZELLE PAYMENT TO Noraima PAYMENT ID BBT189821264 32.00
08/22 DEBIT CARD PURCHASE SUPER TIENDA DE LA 08-21 MARACAIBO 1418 5.13
08/22 ZELLE PAYMENT TO Nery PAYMENT ID BBT189935218 50.00
08/22 INT'L SERVICE ASSESSMENT FEE SUPER TIENDA DE LA 08-21 MARACAIBO 1418 0.15
08/22 ZELLE PAYMENT TO Linette Parra PAYMENT ID BBT189984212 20.00
08/22 ZELLE PAYMENT TO Linette Parra PAYMENT ID BBT189988608 15.00
08/23 DEBIT CARD PURCHASE SUPER POLLITO EXPR 08-22 CCS NOROESTE 1418 3.87
08/23 INT'L SERVICE ASSESSMENT FEE SUPER POLLITO EXPR 08-22 CCS NOROESTE 1418 0.12
08/24 ZELLE PAYMENT TO Yelitza PAYMENT ID BBT190244933 30.00
08/29 ZELLE PAYMENT TO Franyelis PAYMENT ID BBT190920904 57.00
08/30 DEBIT CARD PURCHASE GAMA EXPRESS LAS M 08-29 CARACAS 1418 13.91
08/30 INT'L SERVICE ASSESSMENT FEE GAMA EXPRESS LAS M 08-29 CARACAS 1418 0.42
08/30 ZELLE PAYMENT TO Nery PAYMENT ID BBT191112660 25.00
09/01 ZELLE PAYMENT TO Trading PAYMENT ID BBT191472655 100.00
09/01 ZELLE PAYMENT TO Michelle PAYMENT ID BBT191490360 220.00
09/05 DEBIT CARD PURCHASE PAN Y PASTELERIA P 08-31 CCS NOROESTE 1418 4.96
09/05 DEBIT CARD PURCHASE CHOCOLATES KRON MA 09-03 VARGAS 1418 5.58
09/05 DEBIT CARD PURCHASE AEREO BAKERY XXI C 09-03 CCS NOROESTE 1418 2.49
09/05 DEBIT CARD PURCHASE CEDAR SUB V CA 09-03 CCS NOROESTE 1418 10.03
09/05 ZELLE PAYMENT TO Fibranetuno PAYMENT ID BBT191942760 33.99
09/05 ZELLE PAYMENT TO Formulas Quimicas Donadenys PAYMENT ID BBT191961190 20.00
09/05 ZELLE PAYMENT TO Fiorella La Rotaria PAYMENT ID BBT191972595 20.75
09/05 INT'L SERVICE ASSESSMENT FEE AEREO BAKERY XXI C 09-03 CCS NOROESTE 1418 0.07
09/05 INT'L SERVICE ASSESSMENT FEE PAN Y PASTELERIA P 08-31 CCS NOROESTE 1418 0.15
09/05 INT'L SERVICE ASSESSMENT FEE CHOCOLATES KRON MA 09-03 VARGAS 1418 0.17
09/05 INT'L SERVICE ASSESSMENT FEE CEDAR SUB V CA 09-03 CCS NOROESTE 1418 0.30
09/05 ZELLE PAYMENT TO Despensaexpress PAYMENT ID BBT192108302 50.00
continued

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 ESSENTIAL CHECKING 1000297679101 (continued)
DATE DESCR IPTIO N AM OUN T($ )
09/05 ZELLE PAYMENT TO Juan Martinez PAYMENT ID BBT192108523 10.00
09/06 DEBIT CARD PURCHASE CARLOS ERNESTO FLO 09-05 MARACAIBO 1418 3.67
09/06 INT'L SERVICE ASSESSMENT FEE CARLOS ERNESTO FLO 09-05 MARACAIBO 1418 0.11
09/07 ZELLE PAYMENT TO Dihelen PAYMENT ID BBT192413528 100.00
09/08 ZELLE PAYMENT TO Physical PAYMENT ID BBT192527861 35.00
09/11 DEBIT CARD PURCHASE FARMACIA TIERRA NE 09-07 CCS NOROESTE 1418 2.36
09/11 DEBIT CARD PURCHASE EL BODEGON DE JORG 09-07 MARACAIBO 1418 8.18
09/11 DEBIT CARD PURCHASE PASTELITOS JUSSE C 09-07 CCS NOROESTE 1418 4.60
09/11 DEBIT CARD PURCHASE TOSTADAS Y PIZZERI 09-08 CCS NOROESTE 1418 6.49
09/11 DEBIT CARD PURCHASE OPERADORA ELEVEN 1 09-08 MARACAIBO 1418 1.80
09/11 DEBIT CARD PURCHASE DISTRIBUIDORA Y CO 09-08 CCS NOROESTE 1418 2.04
09/11 DEBIT CARD PURCHASE SUPER MARKET FIORE 09-09 CCS NOROESTE 1418 7.52
09/11 DEBIT CARD PURCHASE CARNES EL TRIUNFO 09-09 MARACAIBO 1418 1.76
09/11 DEBIT CARD PURCHASE MAYOR Y DETAL EL E 09-09 ZULIA 1418 3.83
09/11 DEBIT CARD PURCHASE SUPERMARKET Y REST 09-10 ZULIA 1418 2.44
09/11 ZELLE PAYMENT TO Mama PAYMENT ID BBT192935255 15.00
09/11 INT'L SERVICE ASSESSMENT FEE OPERADORA ELEVEN 1 09-08 MARACAIBO 1418 0.05
09/11 INT'L SERVICE ASSESSMENT FEE CARNES EL TRIUNFO 09-09 MARACAIBO 1418 0.05
09/11 INT'L SERVICE ASSESSMENT FEE DISTRIBUIDORA Y CO 09-08 CCS NOROESTE 1418 0.06
09/11 INT'L SERVICE ASSESSMENT FEE FARMACIA TIERRA NE 09-07 CCS NOROESTE 1418 0.07
09/11 INT'L SERVICE ASSESSMENT FEE MAYOR Y DETAL EL E 09-09 ZULIA 1418 0.11
09/11 INT'L SERVICE ASSESSMENT FEE PASTELITOS JUSSE C 09-07 CCS NOROESTE 1418 0.14
09/11 INT'L SERVICE ASSESSMENT FEE TOSTADAS Y PIZZERI 09-08 CCS NOROESTE 1418 0.19
09/11 INT'L SERVICE ASSESSMENT FEE SUPER MARKET FIORE 09-09 CCS NOROESTE 1418 0.23
09/11 INT'L SERVICE ASSESSMENT FEE EL BODEGON DE JORG 09-07 MARACAIBO 1418 0.25
09/11 INT'L SERVICE ASSESSMENT FEE SUPERMARKET Y REST 09-10 ZULIA 1418 0.07
09/11 ZELLE PAYMENT TO Gentesagrada PAYMENT ID BBT193052144 15.00
09/12 DEBIT CARD PURCHASE DISTRIBUIDORA Y CO 09-11 CCS NOROESTE 1418 2.56
09/12 DEBIT CARD PURCHASE YUMMY RIDES 09-11 HTTPSWWW.YUMM CA 1418 5.42
09/12 DEBIT CARD PURCHASE CHARCUTERIA FINA C 09-11 ZULIA 1418 2.46
09/12 ZELLE PAYMENT TO Comerca PAYMENT ID BBT193109372 6.00
09/12 INT'L SERVICE ASSESSMENT FEE CHARCUTERIA FINA C 09-11 ZULIA 1418 0.07
09/12 INT'L SERVICE ASSESSMENT FEE DISTRIBUIDORA Y CO 09-11 CCS NOROESTE 1418 0.08
09/12 ZELLE PAYMENT TO Yelitza PAYMENT ID BBT193175685 25.00
09/13 DEBIT CARD PURCHASE YUMMY RIDES 09-12 HTTPSWWW.YUMM CA 1418 6.40
09/13 ZELLE PAYMENT TO Juan Martinez PAYMENT ID BBT193299583 25.00
09/13 ZELLE PAYMENT TO Nelson PAYMENT ID BBT193321714 20.00
09/14 DEBIT CARD RECURRING PYMT GOOGLE *Google Sto 09-13 g.co/helppay# CA 1418 1.99
09/14 DEBIT CARD PURCHASE YUMMY RIDES 09-14 HTTPSWWW.YUMM CA 1418 4.15
09/14 ZELLE PAYMENT TO Marielis PAYMENT ID BBT193419113 13.00
09/15 DEBIT CARD PURCHASE BELISARIO CACERES 09-14 CCS NOROESTE 1418 14.01
09/15 DEBIT CARD PURCHASE VALERIA STYLE 20, 09-14 ZULIA 1418 16.54
09/15 DEBIT CARD PURCHASE DISTRIBUIDORA Y CO 09-14 CCS NOROESTE 1418 15.72
09/15 DEBIT CARD PURCHASE YUMMY RIDES 09-14 HTTPSWWW.YUMM CA 1418 4.00
09/15 INT'L SERVICE ASSESSMENT FEE BELISARIO CACERES 09-14 CCS NOROESTE 1418 0.42
09/15 INT'L SERVICE ASSESSMENT FEE DISTRIBUIDORA Y CO 09-14 CCS NOROESTE 1418 0.47
09/15 INT'L SERVICE ASSESSMENT FEE VALERIA STYLE 20, 09-14 ZULIA 1418 0.50
09/15 ZELLE PAYMENT TO Andrea Rivero PAYMENT ID BBT193622628 60.00
Total other withdrawals, debits and service charges = $1,165.90

Overdraft and Returned Item Fees

TO TAL THIS STATEMENT PER IO D($ ) TO TAL YEAR-TO -D ATE ($ )
Total Overdraft Fees* 0.00 36.00
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($ )
08/21 ZELLE PAYMENT FROM HENRY QUINTERO SUAREZ PAYMENT ID WFCT0RHMWGDD 60.00
08/22 ZELLE PAYMENT FROM HENRY QUINTERO SUAREZ PAYMENT ID WFCT0RHQHB8J 15.00
continued
 ESSENTIAL CHECKING 1000297679101 (continued)
DATE DESCR IPTIO N AM OUN T($ )
08/22 ZELLE PAYMENT FROM HENRY QUINTERO SUAREZ PAYMENT ID WFCT0RHPRQ4T 53.00
08/24 ZELLE PAYMENT FROM JESUS ACEVEDO VALBUENA PAYMENT ID BACr3agvdlj8 30.00
08/28 ZELLE PAYMENT FROM HENRY QUINTERO SUAREZ PAYMENT ID WFCT0RJ5NYM5 60.00
08/29 ZELLE PAYMENT FROM JESUS ACEVEDO VALBUENA PAYMENT ID BACgxspxfn5e 50.00
08/30 ZELLE PAYMENT FROM JESUS ACEVEDO VALBUENA PAYMENT ID BACbaf4dqfmu 20.00
09/01 ZELLE PAYMENT FROM HENRY QUINTERO SUAREZ PAYMENT ID WFCT0RJHLZCH 320.00
09/05 ZELLE PAYMENT FROM HENRY QUINTERO SUAREZ PAYMENT ID WFCT0RJQ8YDC 30.00
09/05 ZELLE PAYMENT FROM HENRY QUINTERO SUAREZ PAYMENT ID BACgtjr6pwc2 35.00
09/05 ZELLE PAYMENT FROM HENRY QUINTERO SUAREZ PAYMENT ID WFCT0RJQMYHF 40.00
09/05 ZELLE PAYMENT FROM HENRY QUINTERO SUAREZ PAYMENT ID BACasix6hhwy 60.00
09/07 ZELLE PAYMENT FROM HENRY QUINTERO SUAREZ PAYMENT ID BACdokv1n7pj 180.00
09/11 ZELLE PAYMENT FROM HENRY QUINTERO SUAREZ PAYMENT ID BACnvkapkedo 15.00
09/11 ZELLE PAYMENT FROM HENRY QUINTERO SUAREZ PAYMENT ID BACf5c4tg38p 80.00
09/12 ZELLE PAYMENT FROM HENRY QUINTERO SUAREZ PAYMENT ID BACfrxhkrkgy 47.00
09/13 ZELLE PAYMENT FROM LUIS PENALOZA PAYMENT ID BACg3gn6urka 23.00
09/13 ZELLE PAYMENT FROM HENRY QUINTERO SUAREZ PAYMENT ID BACa5o4k5ykk 25.00
09/14 ZELLE PAYMENT FROM HENRY QUINTERO SUAREZ PAYMENT ID BACbtzy3jrwr 17.00
09/15 ZELLE PAYMENT FROM HENRY QUINTERO SUAREZ PAYMENT ID BACd29megec5 60.00
Total deposits, credits and interest = $1,220.00
x

Overdraft Coverage Decision Update

Note: Overdraft Coverage does not apply to Truist One and Truist Confidence Deposit Accounts.

Currently, you may submit a request to change your Overdraft Coverage decision at Truist branches. Starting on October 16, 2023, the
ability to make this request at Truist branches will no longer be available.

The Overdraft Coverage decision you have currently selected still applies and will not be changed by this update.

You can find the Overdraft Decision Notice at truist.com/od-decision-notice, and you may submit a request to change your Overdraft
Coverage decision for everyday debit and ATM transactions in one of the following ways:

* Log in to Truist Mobile Select the applicable account, tap on More, Manage overdraft options, and go to Overdraft Coverage to make
your Overdraft Coverage decision

* Log in to online banking at Truist.com Select the applicable account, click More, Overdraft services, and go to Manage Overdraft
Coverage to make your Overdraft Coverage decision

* Call 844-4TRUIST - For touch-tone users, choose options 1, 6 and follow the prompts, or if you re using speech, simply say “Overdraft
Coverage”

If you have any questions, please contact your local Truist branch or call us at 844-4TRUIST (844-487-8478).

All Truist Consumer Deposit Accounts

Changes are being made effective October 23, 2023 to the Bank Services Agreement (“BSA”) that governs your account, including
revisions under Section G (Account Rules) in the Overdraft Coverage paragraph and Section M (Availability of Funds) in the Immediate
Availability and Mobile Deposit sections. 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 Truist.com/BSA. All future transactions
on your account will be governed by the amended BSA. If you have any questions about these changes, contact your local Truist branch,
your relationship manager, or call 844-4TRUIST (844-487-8478).

Help protect your electronics and the personal information on them.

Help protect your phones, tablets and computers from cybercriminals looking to access your information. Here are some reminders:

0094847
x

Keep your devices and software updated.

Only use trusted wireless networks and avoid public Wi-Fi.
Never leave your devices including any USB or external storage tech unattended.
Use multi-factor authentication to make it harder for scammers to access your accounts.
Only conduct financial transactions through a trusted, encrypted connection.

Visit Truist.com/Fraud-and-security for more insights on fraud.

Coming Soon! Be on the lookout for the new immediate availability service in the Truist Mobile Application that will be in place
by the end of October 2023!

Immediate availability will be a service offered and if applicable, your deposited funds will be made available immediately upon
confirmation of a successful mobile check deposit. Fees may apply.
Transactions are processed each business day (Monday through Friday except federal holidays) during nightly processing. If
immediate availability is accepted, your available balance will be increased by the amount of the deposited item, minus the
applicable fee, at the time the deposit is made. This service will be made available by the end of October 2023 for Mobile Check
Deposit only.
The fee for immediate availability is 2% of each check amount equal to or over $100. For each check under $100, a $1 fee will apply.
The fee amount will be disclosed prior to acceptance. A single check deposit that is less than $5 is not eligible for immediate
availability.
For eligible retail accounts see the current version of the Funds Availability Policy in the Bank Services Agreement and the Personal
Deposit Accounts Fee Schedule for further details. www.Truist.com/BSA and www.Truist.com/personaldepositsfeeschedule

Pricing Change Notification

The Personal Deposit Accounts Fee Schedule was updated on July 24, 2023 to reflect changes to Truist's fees.

Effective July 24th, Truist will no longer charge a fee for Returned Deposited Items/Cashed Items and Returned Mail.

Also, Truist will no longer charge the Collection fees noted below. Domestic, Foreign and Intermediary Paying Bank fees may apply.

Fee Type Fee Charged Effective July 24th Fee Structure Prior to July 24th

Returned Deposited Item and Returned No Charge Domestic Items $12 per item
Cashed Item International Item $30.00 per item plus
Foreign Bank Fees
Returned Mail (Undeliverable Mail) No Charge $5 per occurrence
Domestic Collections - Returned Item No Truist Fee; Domestic/ Intermediary $22.00 per item plus $25.00 courier fee
(Domestic Collections) Paying Bank Fees only¹

Domestic Collections - Outgoing No Truist Fee; Domestic/ Intermediary $25

Collections Paying Bank Fees only¹

Domestic Collections - Check Collection No Truist Fee; Domestic/ Intermediary $25

Paying Bank Fees only¹

International Collections - Foreign Check No Truist Fee; Foreign/ Intermediary $30.00 per item plus Foreign Bank Fees
Returned Item Paying Bank Fees only¹
¹Domestic and International Collections: The net amount paid to you or Credited to your account may be less than the face value of the item, due to fees being charged by
the domestic or foreign paying bank and intermediary banks. Fees may vary.

The most current version of the Personal Deposit Accounts Fee Schedule can be obtained at any Truist branch or online at
www.truist.com/personaldepositsfeeschedule. If you have any questions about this change, contact your local Truist branch, your
relationship manager, 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
0094848
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