805-01-01-00 17201 0 C 001 14 S 66 002

JOSE MURGAS
1 2 WEST GATE PARK
NEWNAN GA 30263

Your consolidated statement Contact us

(844) 4TRUIST or
For 06/21/2024 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 - LEVEL 1 1110028424683 1,392.26 page 1
Total checking and money market savings accounts $1,392.26

TRUIST ONE SAVINGS 4110008230867 500.00 page 2

Total savings accounts $500.00

Checking and money market savings accounts

TRUIST ONE CHECKING - LEVEL 1 1110028424683

Account summary
Your previous balance as of 05/22/2024 $20.00
Checks - 0.00
Other withdrawals, debits and service charges - 2,749.36
Deposits, credits and interest + 4,121.62
Your new balance as of 06/21/2024 = $1,392.26

Other withdrawals, debits and service charges

DATE DESCR IPTIO N AM OUN T($ )
05/28 DEBIT CARD PURCHASE LARRY'S BEVERAGE M 05-24 UNION CITY GA 9302 47.72
05/28 DEBIT CARD PURCHASE CHECKERS #3887 05-25 UNION CITY GA 9302 27.09
05/28 DEBIT CARD PURCHASE EXXON FRANKLIN CON 05-25 NEWNAN GA 9302 6.60
05/28 DEBIT CARD PURCHASE WAFFLE HOUSE 05-26 NEWNAN GA 9302 31.80
05/28 DEBIT CARD PURCHASE EXXON FRANKLIN CON 05-26 NEWNAN GA 9302 13.90
05/28 DEBIT CARD PURCHASE NEWNAN VALERO 05-26 NEWNAN GA 9302 6.40
05/28 DEBIT CARD PURCHASE WAFFLE HOUSE 05-27 NEWNAN GA 9302 25.51
05/28 DEBIT CARD PURCHASE EXXON FRANKLIN CON 05-27 NEWNAN GA 9302 2.77
05/28 DEBIT CARD PURCHASE EXXON FRANKLIN CON 05-27 NEWNAN GA 9302 7.77
05/29 DEBIT CARD PURCHASE KROGER CO 363 05-28 NEWNAN GA 9302 24.69
05/29 DEBIT CARD PURCHASE DAIRY QUEEN #10696 05-28 NEWNAN GA 9302 7.79
05/30 DEBIT CARD PURCHASE COMPASS STORAGE 41 05-28 770-9674440 GA 9302 259.00
05/31 DEBIT CARD PURCHASE EXXON FRANKLIN CON 05-30 NEWNAN GA 9302 7.86
continued

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 TRUIST ONE CHECKING - LEVEL 1 1110028424683 (continued)
DATE DESCR IPTIO N AM OUN T($ )
06/03 DEBIT CARD PURCHASE AUSTIN AIRPORT-F&B 05-30 AUSTIN TX 9302 3.79
06/03 DEBIT CARD PURCHASE AUSTIN AIRPORT-F&B 05-30 AUSTIN TX 9302 7.78
06/03 DEBIT CARD PURCHASE VZWRLSS*IVR VE 06-02 800-922-0204 FL 9302 210.46
06/14 TRUIST ONLINE TRANSFER MOBILE TO ****0867 - 500.00
06/14 TRUIST ONLINE TRANSFER MOBILE TO ****4691 - 100.00
06/14 ZELLE PAYMENT TO Cherea Dean PAYMENT ID BBT239648144 1.00
06/14 ZELLE PAYMENT TO Cherea Dean PAYMENT ID BBT239648590 499.99
06/17 DEBIT CARD PURCHASE ARBYS 7412 06-14 ST JOSEPH MO 9302 11.95
06/17 DEBIT CARD PURCHASE LOVE'S #0235 INSID 06-14 SAINT JOSEPH MO 9302 10.52
06/17 DEBIT CARD MISC DEBIT CASH APP*JESSICA M 06-14 800-9691940 CA 9302 50.00
06/17 DEBIT CARD MISC DEBIT CASH APP*JOSH TEE 06-14 800-9691940 CA 9302 10.00
06/17 DEBIT CARD PURCHASE LOVE'S #0176 INSID 06-14 MATFIELD GREE KS 9302 9.34
06/17 DEBIT CARD PURCHASE BRYANS CORNER WASH 06-15 BALKO OK 9302 40.00
06/17 DEBIT CARD PURCHASE LOVE'S #0889 INSID 06-15 HOLLY SPRINGS MS 9302 13.43
06/17 DEBIT CARD PURCHASE LOVE'S #0530 INSID 06-16 MOODY AL 9302 6.12
06/17 DEBIT CARD PURCHASE LOVE'S #0530 INSID 06-16 MOODY AL 9302 2.61
06/17 ZELLE PAYMENT TO Poppy PAYMENT ID BBT239947298 1.00
06/17 ZELLE PAYMENT TO Poppy PAYMENT ID BBT239948140 400.00
06/17 DEBIT CARD PURCHASE MCDONALD'S F26778 06-16 BRASELTON GA 9302 11.01
06/17 DEBIT CARD PURCHASE PILOT 066 06-16 BRASELTON GA 9302 5.52
06/17 DEBIT CARD PURCHASE EXXON DULUTH MART 06-16 DULUTH GA 9302 5.74
06/17 DEBIT CARD MISC DEBIT CASH APP*JEROME CA 06-16 800-9691940 CA 9302 150.00
06/17 DEBIT CARD PURCHASE EXXON DULUTH MART 06-16 DULUTH GA 9302 7.46
06/17 DEBIT CARD PURCHASE REDAN PACKAGE STOR 06-16 STONE MOUNTAI GA 9302 63.16
06/18 DEBIT CARD PURCHASE SUWANEE PACKAGE ST 06-16 SUWANEE GA 9302 60.39
06/18 DEBIT CARD PURCHASE SUWANEE PACKAGE ST 06-16 SUWANEE GA 9302 12.71
06/18 DEBIT CARD PURCHASE AMOCO#2258400REDAN 06-17 STONE MOUNTAI GA 9302 34.89
06/18 DEBIT CARD PURCHASE AMOCO#2258400REDAN 06-17 STONE MOUNTAI GA 9302 9.75
06/18 DEBIT CARD PURCHASE AMOCO#2258400REDAN 06-17 STONE MOUNTAI GA 9302 20.00
06/18 DEBIT CARD PURCHASE AMOCO#2258400REDAN 06-17 STONE MOUNTAI GA 9302 12.82
06/18 DEBIT CARD PURCHASE AMOCO#2258400REDAN 06-17 STONE MOUNTAI GA 9302 9.02
Total other withdrawals, debits and service charges = $2,749.36

Deposits, credits and interest

DATE DESCR IPTIO N AM OUN T($ )
05/28 TRUIST ONLINE TRANSFER MOBILE FROM ****0867 - 10.00
05/28 TRUIST ONLINE TRANSFER MOBILE FROM ****4691 - 20.00
05/28 VISA MONEY TRANSFER CREDIT 05-24-24 CUPERTINO CA 9302 APPLE CASH INST XFER 123.12
05/28 TRUIST ATM MIXED DEPOSIT 05-27-24 17:20 A910 NEWNAN MAIN BRANCH19108004 300.00
05/30 TRUIST ONLINE TRANSFER MOBILE FROM ****0867 - 10.00
06/03 ZELLE PAYMENT FROM ALAN MURGAS PAYMENT ID BACzrqh5f11b 209.00
06/14 ZELLE PAYMENT FROM MURGAS TRANSPORT LLC PAYMENT ID JPM99aipo9rb 2,066.66
06/17 ZELLE PAYMENT FROM MURGAS TRANSPORT LLC PAYMENT ID JPM99aito9xs 400.00
06/21 LRM CLAIMS ADJ CR SIG-202406202608 9.02
06/21 LRM CLAIMS ADJ CR SIG-202406202607 12.82
06/21 LRM CLAIMS ADJ CR SIG-202406202606 20.00
06/21 ZELLE PAYMENT FROM MURGAS TRANSPORT LLC PAYMENT ID JPM99aj2edip 941.00
Total deposits, credits and interest = $4,121.62

Savings accounts

TRUIST ONE SAVINGS 4110008230867

Account summary Interest summary
Your previous balance as of 05/22/2024 $20.00 Interest paid this statement period $0.00
Other withdrawals, debits and service charges - 20.00 2024 interest paid year-to-date $0.00
Deposits, credits and interest + 500.00 Interest rate 0.01%
Your new balance as of 06/21/2024 = $500.00

Other withdrawals, debits and service charges

DATE DESCR IPTIO N AM OUN T($ )
05/28 TRUIST DEPOSIT TRANSFER MOBILE TO ****4683 - 10.00
continued
 TRUIST ONE SAVINGS 4110008230867 (continued)
DATE DESCR IPTIO N AM OUN T($ )
05/30 TRUIST DEPOSIT TRANSFER MOBILE TO ****4683 - 10.00
Total other withdrawals, debits and service charges = $20.00

Deposits, credits and interest

DATE DESCR IPTIO N AMO UNT($)
06/14 TRUIST ONLINE TRANSFER MOBILE FROM ****4683 - 500.00
Total deposits, credits and interest = $500.00

Effective February 12, 2024, Truist discontinued charging the Paper Statement Fee for deposit accounts.

The 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, please contact your local Truist branch or call 844-4TRUIST
(844-487-8478).

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 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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 If you haven t already, join over 7 million
Truist households by enrolling in online
and mobile banking.
Manage your money at your pace with
Truist online and mobile banking.

Start banking online today.

Truist online and mobile banking provide another way to help you manage your money.
A single sign-in connects you to a banking experience that you can customize to help fit your life.
• Deposit checks with your mobile device.1
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• Manage and pay bills in one place using bill pay.
• Transfer money between Truist accounts.

Ready to set up online banking? Get started at Truist.com/digital.

Scan this code with your phone s camera

to learn more and enroll.

1
Mobile deposit is only available through the Truist mobile app. Deposit limits and other restrictions apply. Availability may be affected by your mobile carrier s coverage area.
Your mobile carrier s message and data rates may apply.

2
For your protection, Zelle® should only be used to send money to friends, family, and other people or businesses you trust. Payments made with Zelle® are like sending cash
and may not be able to be recovered. Enrollment with Zelle® through Truist Online or Mobile banking is required. A U.S. checking or savings account is required to use Zelle®.
Transactions between enrolled users typically occur in minutes. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their
financial institution s online or mobile banking experience. There is no fee to send money with Zelle® through your enrolled Truist business bank account. However, Zelle®
payments deposited into your business account will be charged a 1.0% fee by Truist. The maximum fee is capped at $15 per received transaction. See
Truist.com/business-fee-schedule for additional information. Availability may be affected by your mobile carrier s coverage area. Your mobile carrier s message and data rates
may apply. For more information, view the Truist Online and Mobile Banking Service Agreement at Truist.com/retail-online-agreement and the Truist Online and Mobile Banking
for Business Service Agreement at Truist.com/business-online-agreement.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Truist Bank, Member FDIC. ©2024 Truist Financial Corporation. TRUIST, the Truist logo and Truist Purple are service marks of Truist Financial Corporation. All rights reserved.

2823_DS_DigitalAdopt_Onset_IHA_5103428_4-22-2024

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