655-08-01-00 21058 0 C 001 02 S 66 002

KEVIN R COVA
1 1 0 0 ARBOR TOWN C I R APT 1 2 2 7
ARLINGTON TX 76011-1312

Your account statement Contact us

(844) 4TRUIST or
For 03/06/2024 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.

TRUIST CONFIDENCE ACCOUNT 1440018021564

Account summary
Your previous balance as of 02/06/2024 $-321.14
Checks - 0.00
Other withdrawals, debits and service charges - 3,552.83
Deposits, credits and interest + 3,875.50
Your new balance as of 03/06/2024 = $1.53

Other withdrawals, debits and service charges

DATE DESCR IPTIO N AM OUN T($ )
02/07 DEBIT CARD PURCHASE-PIN 02-06-24 ARLINGTON 6778 WM SUPERC WAL-MART SUP 15.32
02/12 DEBIT CARD PURCHASE RPS*LAS PALMAS RD 02-09 800-704-0154 TX 6778 283.99
02/12 DEBIT CARD PURCHASE CIRCLE K #2742176 02-09 GRAND PRAIRIE TX 6778 20.00
02/12 ZELLE PAYMENT TO Rentall Cars PAYMENT ID BBT217236768 185.00
02/12 DEBIT CARD PURCHASE-PIN 02-12-24 ARLINGTON TX 6778 SHELL SERVICE STATION 20.00
02/12 ZELLE PAYMENT TO Kevin Cova PAYMENT ID BBT217523068 200.00
02/13 DEBIT CARD PURCHASE-PIN 02-12-24 ARLINGTON 6778 ROSS STORES #1247 8.65
02/13 DEBIT CARD PURCHASE-PIN 02-12-24 ARLINGTON 6778 EL RANCHO #09 1909 E P 7.97
02/13 DEBIT CARD PURCHASE TMOBILE*PREPAID WE 02-12 877-778-2106 WA 6778 55.15
02/13 TRUIST ATM CASH WITHDRAWAL 02-13-24 6778 ARLINGTON COLLINS BRANCH #1 100.00
02/14 DEBIT CARD PURCHASE-PIN 02-13-24 ARLINGTON 6778 WAL-MART #5416 11.24
02/14 TRUIST ATM CASH WITHDRAWAL 02-14-24 6778 ARLINGTON COLLINS BRANCH #1 220.00
02/14 DEBIT CARD PURCHASE-PIN 02-14-24 ARLINGTON 6778 7-ELEVEN 15.00
02/14 ZELLE PAYMENT TO Kevin Cova PAYMENT ID BBT217749319 340.00
02/15 ZELLE PAYMENT TO Kevin Cova PAYMENT ID BBT217948540 275.00
02/15 ZELLE PAYMENT TO Kevin Cova PAYMENT ID BBT217948609 3.00
02/20 ZELLE PAYMENT TO Rentall Cars PAYMENT ID BBT218389053 185.00
02/20 ZELLE PAYMENT TO Grederi PAYMENT ID BBT218644983 1,000.00
02/20 ZELLE PAYMENT TO Patricia PAYMENT ID BBT218751804 50.00
02/21 ZELLE PAYMENT TO Issjadi PAYMENT ID BBT218838349 150.00
02/21 ZELLE PAYMENT TO Roseiliz Alvarez PAYMENT ID BBT218838585 160.00
02/23 ZELLE PAYMENT TO Alfonzo PAYMENT ID BBT219259491 140.00
02/26 DEBIT CARD PURCHASE CARNATION AUTO SPA 02-23 ROANOKE TX 6778 22.00
02/26 DEBIT CARD PURCHASE APPLE.COM/BILL 02-25 866-712-7753 CA 6778 2.15
02/27 DEBIT CARD PURCHASE APPLE.COM/BILL 02-26 866-712-7753 CA 6778 2.15
02/29 ZELLE PAYMENT TO Kevin Cova PAYMENT ID BBT220259586 10.00
03/04 DEBIT CARD PURCHASE SHEIN.COM 03-03 201-299-2012 DE 6778 10.53
continued

0005851
 TRUIST CONFIDENCE ACCOUNT 1440018021564 (continued)
DATE DESCR IPTIO N AM OUN T($ )
03/04 ZELLE PAYMENT TO Kevin Cova PAYMENT ID BBT220926226 30.00
03/04 ZELLE PAYMENT TO Kevin Cova PAYMENT ID BBT220926461 7.00
03/05 DEBIT CARD PURCHASE SHEIN.COM 03-04 us.shein.com DE 6778 23.68
Total other withdrawals, debits and service charges = $3,552.83

Deposits, credits and interest

DATE DESCR IPTIO N AM OUN T($ )
02/07 VISA MONEY TRANSFER CREDIT 02-06-24 MINNEAPOLIS MN 6778 BRANCH MESSENGER 147.00
02/07 VISA MONEY TRANSFER CREDIT 02-06-24 MINNEAPOLIS MN 6778 BRANCH MESSENGER 198.50
02/09 ZELLE PAYMENT FROM ALFREDO ZACARIAS GONZALEZ PAYMENT ID BACxg7rwc5ta 60.00
02/09 ZELLE PAYMENT FROM KEVIN COVA PAYMENT ID BACe5pvgwtsc 260.00
02/12 ZELLE PAYMENT FROM ALFREDO ZACARIAS GONZALEZ PAYMENT ID BACxob3xxp74 35.00
02/12 ZELLE PAYMENT FROM KEVIN COVA PAYMENT ID BACchdyjcshg 185.00
02/12 ZELLE PAYMENT FROM JOSE INDRIAGO PAYMENT ID PNCAA0JUX34E 236.00
02/13 ZELLE PAYMENT FROM ADRIAN RUDAS RODRIGUEZ PAYMENT ID BACkdy652hh8 200.00
02/13 ZELLE PAYMENT FROM KEVIN COVA PAYMENT ID BAClot24yy1w 250.00
02/14 ZELLE PAYMENT FROM MARIA NAVA GOMEZ PAYMENT ID BACizlrey8cy 235.00
02/15 ZELLE PAYMENT FROM KEVIN COVA PAYMENT ID BACj947xt0l8 275.00
02/20 TRUIST ATM MIXED DEPOSIT 02-20-24 11:45 AP34 ARLINGTON COLLINS BRANCH #1 66341482 50.00
02/20 ZELLE PAYMENT FROM Nioryulis Gil PAYMENT ID VSA0QIITCOJA 185.00
02/20 TRUIST ATM MIXED DEPOSIT 02-19-24 15:33 AP34 ARLINGTON COLLINS BRANCH #1 66341424 200.00
02/20 TRUIST ATM MIXED DEPOSIT 02-19-24 15:31 AP34 ARLINGTON COLLINS BRANCH #1 66341421 800.00
02/21 ZELLE PAYMENT FROM RUBIELA DE JESUS RAMIREZ BAENA PAYMENT ID JPM99a9rzjik 311.00
02/23 ZELLE PAYMENT FROM ROSEILIZ ALVARES AGUILERA PAYMENT ID BACgpngshr53 5.00
02/23 TRUIST ATM MIXED DEPOSIT 02-23-24 11:34 AP34 ARLINGTON COLLINS BRANCH #1 66341714 21.00
02/23 TRUIST ATM MIXED DEPOSIT 02-22-24 20:23 AP34 ARLINGTON COLLINS BRANCH #1 66341655 140.00
02/28 ZELLE PAYMENT FROM KEVIN COVA PAYMENT ID BACkx11aoaxd 10.00
03/04 ZELLE PAYMENT FROM KEVIN COVA PAYMENT ID BACnw1d6mbv7 10.00
03/04 ZELLE PAYMENT FROM ALFREDO ZACARIAS GONZALEZ PAYMENT ID BACylk1y5ojv 10.00
03/04 ZELLE PAYMENT FROM ALFREDO ZACARIAS GONZALEZ PAYMENT ID BACz8v0klkcq 15.00
03/04 ZELLE PAYMENT FROM ALFREDO ZACARIAS GONZALEZ PAYMENT ID BACu839zsks8 37.00
Total deposits, credits and interest = $3,875.50
x

Changes were made effective February 26, 2024 to the Bank Services Agreement (“BSA”) that governs your account, including
revisions under Section N (Electronic Fund Transfer Agreement & Disclosures) in the Point of Sale Transactions/Holds on Funds section.
Continued use of your account 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 transactions on your account are governed by the amended BSA. If you have
questions about these changes, contact your local Truist branch or call 844-4TRUIST (844-487-8478).
 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

0005852