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<br />Questions, comments or errors?
<br />For general questions/comments or to report errors about your statement or
<br />account, please call us at 1-8444TRUIST (1-844-487-8478) 24 hours a day, 7 days
<br />a week. Truist Contact Center teammates are available to assist you from Sam -
<br />8pm EST Monday -Friday and Sam - Spm EST on Saturday. You may also contact
<br />your local Truist branch. To locate a Truist branch in your area, please visit
<br />Truist.com.
<br />Electronic fund transfers (For Consumer Accounts Only. Commercial Accounts
<br />refer to the Commercial Bank Services Agreement.)
<br />Services such as Bill Payments and ZelleO are subject to the terms and conditions
<br />governing those services, which may not provide an error resolution process in all
<br />cases. Please refer to the terms and conditions for those services.
<br />In case of errors or questions about your electronic fund transfers, if you think your
<br />statement or receipt is wrong or if you need more information about a transfer on
<br />the statement or receipt, IMMEDIATELY call 1-844-487-8478 orwrite to:
<br />Fraud Management
<br />P.O. Box 1014
<br />Charlotte, NC 28201
<br />Tell us as soon as you can, if you think your statement or receipt is wrong, or if you
<br />need more information about a transfer listed on the statement or receipt. We
<br />must hear from you no laterthan sixty (60) days after we sent the FIRST statement
<br />on which the problem or error appeared.
<br />• Tell us your name and deposit account number (if any)
<br />• Describe the error or transfer you are unsure of, and explain as clearly as you can
<br />why you believe it is an error or why you need more information
<br />• Tell us the dollar amount of the suspected error
<br />If you tell us orally, we may require that you also send us your complaint or
<br />question in writing within ten (10) business days. We will tell you the results of our
<br />investigation within ten (10) business days after we hear from you, and we will
<br />correct any error promptly. If we need more time, however, we may take up to
<br />forty-five (45) days to investigate your complaint or questions for ATM
<br />transactions made within the United States and up to ninety (90) days for new
<br />accounts, foreign initiated transactions and point-of-sale transactions. If we decide
<br />to do this, we will re -credit your account within ten (10) business days for the
<br />amount you think is in error, minus a maximum of $50. If we ask you to put your
<br />complaint in writing, and we do not receive it within ten (10) business days, we may
<br />not re -credit your account and you will not have use of the money during the time
<br />it takes us to complete our investigation.
<br />Teti us AT ONCE if you believe your access device has been lost or stolen, or
<br />someone may have electronically transferred money from your account without
<br />your permission, or someone has used information from a check to conduct an
<br />unauthorized electronic fund transfer. If you tell us within two (2) business days
<br />after you learn of the loss or theft of your access device or the unauthorized
<br />transaction, you can lose no more than $50 if someone makes electronic transfers
<br />without your permission.
<br />If you do NOT tell uswithin two (2) business days afteryou learn of the loss ortheft
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<br />have stopped someone from making electronictransferswithout your permission if
<br />you had told us, you could lose as much as $S00. Also, if your periodic statement
<br />shows transfers you did not make, tell us at once. if you do not tell us within sixty (60)
<br />days afterthe statementwas mailed toyou,you may not get back any moneyyou lost
<br />after sixty (60) days if we can prove we could have stopped someone from taking the
<br />money if you had told us in time.
<br />Important information about your Truist Ready Now Credit Line Account
<br />Once advances are made from your Truist Ready Now Credit line Account, an
<br />INTEREST CHARGE will automatically be imposed on the account's outstanding
<br />'Average daily balance.' The INTEREST CHARGE is calculated by applying the 'Daily
<br />periodic rate" to the "Average daily balance" of your account (including current
<br />transactions) and multiplying this figure by the number of days in the billing cycle. To
<br />get the 'Average daily balance," we take the beginning account balance each day, add
<br />any new advances or debits, and subtract any payments or credits and the last unpaid
<br />INTEREST CHARGE. This gives us the daily balance. Then we add all of the daily
<br />balances for the billing cycle and divide the total by the number of days in the billing
<br />cycle. This gives us the "Average daily balance.'
<br />Billing Rights Summary
<br />In case of errors or questions about your Truist Ready Now Credit Line statement
<br />If you think your statement is incorrect, or if you need more information about a Truist
<br />Ready Now Credit Line transaction on your statement, please call 1-844-4TRUIST or
<br />visit your local Truist branch. To dispute a payment, please write to us on a separate
<br />sheet of paper at the following address:
<br />Card and Direct to Consumer Lending
<br />PO Box 200
<br />Wilson NC27894-0200
<br />We must hear from you no later than sixty (60) days after we sent you the FIRST
<br />statement on which the error or problem appeared. You may telephone us, but doing
<br />so will not preserve your rights. In your letter, please provide the following
<br />information:
<br />• Your name and account number
<br />• Describe the error or transfer you are unsure about, and explain in detail why you
<br />believe this is an error or why you need more information
<br />• The dollar amount of the suspected error
<br />During our investigation process, you are not responsible for paying any amount in
<br />question; you are, however, obligated to pay the items on your statement that are not
<br />in question. While we investigate your question, we cannot report you as delinquent
<br />ortake any action to collectthe amount in question.
<br />Mail -in deposits
<br />If you wish to mail a deposit, please send a deposit ticket and check to your local Truist
<br />branch. Visit Truist.com to locate the Truist branch closest to you. Please do not send
<br />cash.
<br />Change of address
<br />If you need to change your address, please visit your local Truist branch or call Truist
<br />Contact Center at 1-844-4TRUIST (1-844-487-8478).
<br />How to Reconcile Your Account
<br />Outstanding Checks and Other Debits (Section A)
<br />1. List the new balance ofyour account from your latest statement here:
<br />Date/Check# Amount Date/Check# Amount
<br />2. Record any outstanding debits (checks, check card purchases, ATM
<br />Withdrawals, electronic transactions, etc.) in section A. Record the
<br />transaction date, the check number ortype of debit and the debit amount.
<br />Add up all of the debits, and enter the sum here:
<br />3. Subtract the amount in Line 2 above from the amount In Line 1 above and
<br />enter the total here:
<br />4. Record any outstanding credits in section B. Record the transaction date,
<br />credit type and the credit amount. Add up all of the credits and enterthe
<br />sum here:
<br />Outstanding Deposits and Other Credits (Section B)
<br />S. Add the amount in Line 4 to the amount in line 3 to find your balance. Enter
<br />the sum here. This amount should match the balance in your register.
<br />Date/Type
<br />Amount Date/rAmount
<br />For more information, please contact your local Truist branch, visit Iruist.comorcontact usaira4g-ffiKu131ll-8tY fol-09(Oi. PI[I•I�[nflJR
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