b'CREDIT CARD AGREEMENT & DISCLOSURE STATEMENT\nThis Agreement applies to the VISA and/or MasterCard credit Card and Credit Devices issued to\nyou by TIB The Independent BankersBank, N.A., Georgia Branch, although the name on your Card\nmay be that of a different financial institution. Any Card or Credit Device issued to you by us\nremains our property and must be returned to us or to anyone we designate, upon request. Retaining,\nsigning or using, or permitting others to use, the Card or Credit Device shall constitute the\nequivalent of signing this Agreement and such retaining, signing or using means you agree to be\nbound by the terms of this Agreement. The Application you submitted for the Account is hereby\nincorporated into and made a part of this Agreement. This Agreement begins on the earlier of (i) the\ndate you sign or otherwise submit an Application that is approved by us or (ii) the first date you or\nsomeone authorized by you uses the Account in a transaction that we approve (in NY, the first date\nyou or someone authorized by you signs a sales slip or memorandum or the first date that another\ndocument is issued to you or someone authorized by you as evidence of a transaction on the Account\nthat we approve).\nDefinitions. In addition to other terms that may be defined in this Agreement, the following terms\nwhen used in this Agreement have the following definitions:\n1.\n\n2.\n\n"Account" means the open-end revolving credit account established pursuant to your\nApplication and this Agreement to which charges are posted based on use of a Card,\ninformation from a Card, Credit Device, or any other device or procedure by which the\nAccount may be accessed in the future.\n"Agreement" means this Credit Card Agreement plus the Disclosure Statement, which is\ncontained in the same envelope as, and folded together with, this Credit Card Agreement and\nwhich provides information on the periodic rate, the Annual Percentage Rate (APR), the\nInterest Charge and balance on which it is determined, any Other Charges, cash advance fees,\nbalance transfer fees, and any grace period applicable to the Account. The Disclosure\nStatement is incorporated herein by reference as if repeated verbatim herein. If any provision\nof this Credit Card Agreement is inconsistent with any provision of the Disclosure Statement,\nthe provision of the Disclosure Statement controls.\n\n3.\n\n"Application" means the application for credit you completed and returned to the Sponsoring\nBank to request that we extend credit to you under the Account.\n\n4.\n\n"Authorized User" means any person you permit to use the Account or who has apparent\nauthority to use the Account.\n\n5.\n\n"Card" means the VISA and/or MasterCard credit card(s) issued to you by us, and any future\ncredit card(s) issued to you in connection with the Account. If you applied for more than one\ntype of Card, this Agreement is a separate Agreement for each Card.\n\n6.\n\n\xe2\x80\x9cCash Advance\xe2\x80\x9d means the amount requested by you and advanced to you by any method\napproved by us according to the terms of this Agreement in cash or cash equivalent items\n(including, but not limited to, money orders, travelers checks, lottery tickets, casino chips,\nvouchers redeemable for cash, or racetrack wagers).\n\n7.\n\n\xe2\x80\x9cCash Advance Limit\xe2\x80\x9d means (i) ten percent (10%) of the Credit Limit for business use\naccounts and (ii) 50 percent (50%) of the Credit Limit for consumer use accounts.\n\n8.\n\n"Credit Device" means any device such as a blank check, payee-designated check,\n"convenience" or "special" check, blank draft or other order, or any other device or item\nwhich may, at our discretion and pursuant to procedures we may adopt from time to time, be\nissued by us to you to access the Account.\n\n9.\n\n"Credit Limit" means the total dollar amount of the Account which we approved and which\nyou may borrow against according to the terms of this Agreement.\n\n10.\n\n"Index" means the Prime Rate (the base rate on corporate loans posted by at least 70% of the\n10 largest U.S. banks) published in the Wall Street Journal on the 25th day of each month or\nthe business day preceding the 25th day if that day falls on a weekend or a holiday recognized\nby the Board of Governors of the Federal Reserve System. Changes in the Index will take\neffect beginning with the first billing cycle in the month following a change in the Index.\nIncreases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting\nin increased or decreased Interest Charges on the Account.\n\n11.\n\n\xe2\x80\x9cOther Charges\xe2\x80\x9d means the charges listed in the section of this Agreement with such\ncaption.\n\n12.\n\n"We," "us," and "our" mean TIB The Independent BankersBank, N.A., Georgia Branch, 1550\nN. Brown Road, Suite 150, Lawrenceville, Georgia 30043.\n\n13.\n\n"You" and "your" refer to each person who signed an application for the Account, each\nperson who signs or uses the Card or a Credit Device, and any Authorized User.\n\nPurchases, Cash Advances and Balance Transfers; Cash Advance Limit. You request and\nauthorize us to extend credit to you under the Account as follows: (1) goods and services may be\npurchased or leased by use of the Card from any seller or vendor who honors the Card\n("Purchases"); (2) "Cash Advances" may be obtained up to, but not in excess of, the Cash Advance\nLimit (a) when you complete a written request on a form furnished to you by us or any other\nfinancial institution we approve; (b) using the Card at any automatic teller machine which accepts\nthe Card; or (c) using a Credit Device to pay for Purchases or, when allowed, to receive cash. (3)\n\xe2\x80\x9cBalance Transfers\xe2\x80\x9d may be obtained when you complete a request. We are not responsible for any\nperson or entity refusing to accept the Card or any Credit Device for Purchases or Cash Advances.\nPromise to Pay. You promise to pay us for all Purchases made by you and for all Cash Advances\nand Balance Transfers received by you except as limited in this Agreement regarding your liability\nfor unauthorized use of a Card or Credit Device. You shall be jointly and severally liable for all\namounts due from you under this Agreement for Purchases, Cash Advances, Balance Transfers,\nInterest Charges, and Other Charges.\nSpecial Checks. If Special Checks are issued from time to time for use with your Account, you\nmay obtain what is deemed to be a Cash Advance under the Account by writing a check. Each\nSpecial Check must be in a form we have issued to you and must be imprinted with your name and\nthe Account number. Special Checks may be used only by a person whose name is printed on the\nCheck and must be completed and signed in the same way as a regular personal check. You agree\nnot to use your Special Checks to purchase or carry securities or to pay amounts you owe us under\nthis Agreement. We are not obligated to pay a Special Check (a) if your resulting Account balance\nwould exceed the Credit Limit, (b) if the Check is dated more than 6 months before it was presented\n\nG-17480\n\nto us for payment, (c) if a Special Check or Card has been reported lost or stolen, (d) if you are in\ndefault under this Agreement or a loan agreement with another lender, (e) if you or we have\nterminated your ability to receive further credit under this Agreement, (f) if you are insolvent, or (g)\nif your Card has expired. The amount of each Special Check paid by us, even if we are not obligated\nto pay it, will be a Cash Advance. Checks paid by us will not be returned to you with your monthly\nbilling statement, but information about them will appear on such statement. You agree you will\npromptly review your monthly billing statement to discover any unauthorized or altered Special\nChecks. You cannot put a stop-payment order on a Special Check.\nRefunds and Adjustments. Any refund, adjustment, or credit allowed by any seller or other person\nor entity shall not be by cash but rather by a credit to the Account appearing on your monthly billing\nstatement.\nMonthly Billing Statements. Each month we will send you a monthly billing statement reflecting\nall Purchases, Cash Advances, Balance Transfers, Interest Charges and Other Charges pursuant to\nthis Agreement for the prior monthly period. Such statements shall be deemed correct and accepted\nby you unless you notify us to the contrary in writing within 60 days of our mailing such statement\nto you.\nPayments on the Account. Your payment under the Account must be made on or before the\n"Payment Due Date" reflected on your monthly billing statement. Your payment must be either the\nfull amount billed or, at your option, an installment equal to at least the required "Minimum\nPayment Due" stated on the billing statement. The minimum payment will equal the "New Balance"\nshown on your statement if that amount is less than $25. If the New Balance exceeds $25, the\nminimum payment will equal the greater of 3% of the New Balance or $25, plus the entire portion of\nthe New Balance in excess of your Credit Limit, plus any amount past due.\nPayments must be made in U.S. dollars drawn on a U.S. bank. Transactions in foreign currencies\nwill be converted to U.S. dollars at the exchange rate used at the time of the conversion. The\nconversion may occur after the transaction date and the conversion rate may differ from the rate of\nexchange in effect at the time of the transaction. You agree to pay the converted amount to us in\nU.S. dollars, plus any charge for the conversion or processing that may be imposed.\nAll payments on the account must be made at the address shown on your monthly billing statement\nand are considered to have been made on the date received at that address. If payment is made at\nany location other than the designated address, credit for such payment may be delayed for up to 5\ndays. As allowed by law, we may accept payments marked "payment in full" (or words of similar\nintent) without losing any of our rights to collect the full balance due under the Account and this\nAgreement. We will apply your payments to the unpaid balance of the Account in the order and\nmanner we decide, in our sole discretion.\nLate Payments and Increase in Rate. If you allow your Account to become 60 days past due, we\nmay increase your APR on all balances to a higher rate equal to the Index plus a margin of 15.99%\nup to a maximum of 21%. This means if you fail to at least pay your required minimum monthly\npayment for the periods stated above, your APR may increase; however, if your Rate is increased,\nyour Account may become eligible for a lower APR if you make timely payments for three\nconsecutive months.\nPayment Holidays. At our option we may permit you from time to time to skip making the\nMinimum Payment Due for a specified billing cycle (referred to as a "payment holiday"). Even if\nyou accept such a payment holiday, we will continue to assess Interest Charges on the unpaid\nbalance of the Account as disclosed in the Insert. Any payment holiday we permit will not affect the\nterms of this Agreement. The terms of this Agreement remain in force regardless of whether you\naccept a payment holiday.\nCredit Limit; Cash Advance Limit. You agree not to use or permit others to use the Card,\ninformation from the Card, or a Credit Device if such use would cause either (i) the balance of the\nAccount to exceed the Credit Limit we set from time to time or (ii) the balance of the outstanding\nCash Advances to exceed the Cash Advance Limit applicable to such Credit Limit. The initial\nCredit Limit for the Account is shown on the material accompanying the Card before the Account is\nused and will also be disclosed on each monthly billing statement for the Account. We may, at our\noption, extend credit under the Account which exceeds the Credit Limit or the Cash Advance Limit.\nIf we do, you agree to immediately pay the excess which we advanced to you over either of the\napplicable limits. We are not obligated to allow any Purchase, Cash Advance or Balance Transfer\nwhich will exceed your Credit Limit or Cash Advance Limit, and if we do, we are not obligated to\ndo so at a later time. You agree we may change your Credit Limit (which will automatically also\nchange your Cash Advance Limit) or cancel the Account if you exceed the Credit Limit or the Cash\nAdvance Limit.\nTransactions Made in Foreign Currencies. If a transaction is made in a foreign currency, we and\nMasterCard International or VISA International, depending on which card is used, will convert the\ntransaction into a U.S. dollar amount. MasterCard and VISA will act in accordance with their\noperating regulations or conversion procedures in effect at the time the transaction is processed.\nCurrently, their regulations and procedures provide that the currency conversion rate they use, to\ndetermine the transaction amount in U.S. dollar, is either (a) a wholesale market rate, or (b) a\ngovernment-mandated rate in effect one day prior to the processing date. MasterCard and VISA\nincrease this conversion rate by one percent (1%) and keep this increase as compensation for\nperforming the currency conversion service. We will charge you two percent (2%) of the U.S. dollar\namount of the transaction converted from a foreign currency. The currency conversion rate\ncalculated in this manner that is in effect on the processing date may differ from the rate in effect on\nthe transaction date or posting date.\nOther Charges. You agree we may assess, in addition to the Interest Charge, the Other Charges\nbelow which charges will be earned when assessed and are not subject to refund or rebate. The\nfollowing fees may be added, as applicable, to the Account and treated as a Purchase as indicated on\nthe Insert:\n1.\n\nAnnual Fee. A non-refundable annual membership fee may be charged to the Account during\nthe month following issuance or re-issuance of the Card and will be posted annually on the\nanniversary date of the opening of the Account. The annual membership fee is not refundable\neven if the Account is closed for any reason by either you or us, and the fee is a condition of\nmaintaining the Account whether or not you use the Account by making Purchases or\nreceiving Cash Advances.\n\n2.\n\nLate Fee. If the minimum required payment is not received by the Payment Due Date for that\nbilling cycle, we may assess a $25 late charge on the Account.\n\n\x0c3.\n\nReturned Payment Fee. We will charge you $25 for each return by a bank or other depository\ninstitution of a dishonored check, negotiable order of withdrawal or share draft issued by you\nto us in connection with the Account. This fee will be in addition to all other Interest Charges\nand Other Charges we may collect from you and is not subject to refund or rebate.\n\n4.\n\nCash Advance Fee. If you request a Cash Advance, in addition to the Interest Charge which\nwill accrue on the Cash Advance, you agree to pay a fee of three percent (3%) of the amount\nof the Cash Advance subject to a minimum fee of $10.00.\n\n5.\n\nBalance Transfer Fee. If you request a Balance Transfer, in addition to the Interest Charge\nwhich will accrue on the balance transfer, you agree to pay a fee of three percent (3%) of the\namount of the Balance Transfer subject to a minimum fee of $10.00\n\n6.\n\nPay-by-Phone. If you request an agent assisted payment be made to your Account through an\nelectronic funds transfer, you agree to pay a fee of $10 in addition to the amount of the\npayment.\n\n7.\n\nInternational Transactions Fee. Two percent (2%) of the U.S. dollar amount of the\ntransaction converted from a foreign currency.\n\n8.\n\nSupplemental Convenience Requests. If you request supplemental copies of billing\nstatements, you will be charged $5 for each. We will not assess you this fee if you request a\nbilling statement for a billing error/inquiry that you may assert against us under applicable\nlaw. If you request expedited delivery of a Card, you will be charged $25. If you make any\nother Supplemental Convenience Requests, you agree to pay our reasonable charges for such\nrequest in effect at that time.\n\nTermination; Default. We may reduce the Credit Limit or terminate your ability to receive further\ncredit under this Agreement at any time without notice. You may terminate your ability to receive\nfurther credit under this Agreement by giving us notice of termination and returning to us all Cards\nand Credit Devices. Termination by you will be effective on the date we receive written notice from\nyou along with the Cards and Credit Devices (unless they are lost or stolen, in which case you agree\nto sign an affidavit to that effect and stating that no credit received after the date of loss or theft was\nauthorized by you).\nYou will be in default under this Agreement if any of the following events occur: (1) you fail to\nmake the required payment when due; (2) you fail to perform or abide by any of your agreements or\nobligations under this Agreement or any other loan agreement you have with us; (3) you become\ninsolvent (meaning your liabilities exceed your assets or you are unable to pay your debts as they\nbecome due); (4) any action is taken by or against you under any bankruptcy or insolvency laws; (5)\nany attachment or garnishment proceedings are initiated against you; (6) you die or are declared\nincompetent; (7) we, in good faith, believe the prospect of your payment or performance under this\nAgreement is impaired; or (8) you fail or refuse to provide current financial information to us when\nwe request it.\nOn any termination or default, regardless of any unused credit you may have under the Account, all\namounts you owe under the Account and this Agreement will become immediately due and payable\nin full. You must also return to us all Cards and Credit Devices issued to you in connection with the\nAccount. Termination or default shall not release you from any obligation you have incurred under\nthis Agreement. After termination or default, your obligations and our rights under this Agreement\nshall remain effective until the entire outstanding balance of the Account is paid in full.\nAttorneys Fees and Costs. To the extent permitted by law, you agree to pay our attorneys fees and\nother costs we incur if you are in default and we hire an attorney who is not our salaried employee to\ncollect amounts you owe under the Account and this Agreement. Amounts you owe for attorneys\'\nfees will be added to the outstanding balance of the Account as a Purchase whether or not your right\nto receive credit has terminated or you are in default.\nAmendment to this Agreement. This Agreement, and the terms of the Account, may be amended\nby us if we send you written notice of the amendment prior to its effective date as required by law.\nAs of the amendment\'s effective date, the change in terms will apply to the entire outstanding\nbalance of the Account as well as Purchases made and Cash Advances and Balance Transfers\nreceived after the effective date of the amendment. If you do not agree to the amendment, your only\noption is termination under this Agreement.\nVenue and Jurisdiction of Lawsuits. The parties agree, consent and contract that the venue and\njurisdiction of any lawsuit brought by TIBThe Independent BankersBank, N.A. to enforce this\nagreement or collect any sum or sums of money due and owing under this agreement shall be in\nDallas County, Texas or any county contiguous to Dallas County, Texas.\nThe parties further agree that any action or cross action brought by a cardholder against TIB The\nIndependent BankersBank, N.A. regarding this contractual agreement shall be brought in Dallas\nCounty, Texas or any county contiguous to Dallas County, Texas.\nGoverning Law; Severability. You agree that your obligations under this Agreement represented\nby charges to the Account are contracted for and become binding when the sales drafts, credit card\nslips, or other Credit Devices are accepted by us and we cause the holders of the same to be paid.\nYou agree that these events occur in Georgia. This Agreement is subject to federal law and, to the\nextent not preempted by federal law, the laws of the State of Georgia (except to the extent that this\nAgreement can and does vary from such rules or laws), without regard to conflict of laws principals.\nIf any provision of this Agreement conflicts with the law, you agree the provision will be viewed as\nif it was amended to comply with the law. If that is not possible, then only the provision that\nconflicts with the law will be deleted. The remaining provisions of this Agreement will remain\neffective.\nCredit Reports. You agree that we may obtain consumer credit reports from one or more credit\nreporting agencies or others in connection with opening or maintaining the Account, increasing the\nCredit Limit under the Account, or making any extension of credit to you under the Account. We\nmay also ask you for additional information in connection with the Account and request credit\nreports to verify your current credit standing. You agree that we may release information to others,\nsuch as credit reporting agencies, regarding the status and history of the Account. However, we are\nnot obligated to release any such information unless required by law.\nWe may report information about your Account to credit bureaus. Late payments, missed payments,\nor other defaults on your Account may be reflected in your credit report. If you believe that we have\nfurnished any inaccurate information relating to your Account to any consumer-reporting agency,\nyou may notify us by phone or mail at 1-800-367-7576; Card Service Center, PO Box 569120,\nDallas, TX 75356. To help us respond to your notification, include your account number, Social\nSecurity Number, the name of the consumer-reporting agency reflecting the inaccurate information,\n\nand an explanation of why you believe the information is inaccurate. You understand that you may\nalso contact the appropriate consumer-reporting agency directly at the appropriate address and tollfree number: Equifax, P.O. Box 740241, Atlanta, GA 30374, 800.685.1111; Trans Union, P.O. Box\n1000, Chester, PA 19022, 800-916-8800; or Experian, P.O. Box 2002, Allen, TX 75013,\n888.397.3742.\nChange in Marital Status. A change in marital status between any of you will not affect the\nindividual liability of any of you under this Agreement. Your liability for debt incurred after a\nchange in status does not end until all Cards and Credit Devices are returned to us, even if you give\nus notice of the change in status and notice that further use by any person is unauthorized.\nNotices. Notices given under this Agreement or relating to the Account will be effective only if\ngiven in writing to us at TIB The Independent Bankers Bank, N.A., P.O Box 569120, Dallas, Texas\n75356-9120, and to you at your last address shown on our records. You agree to notify us\nimmediately if your address changes from that shown on the application you submitted in\nconnection with opening the Account.\nLiability for Unauthorized Use. If any Card is lost or stolen or otherwise may be used without\nyour permission (express or implied), you must immediately notify us orally or in writing at the\nfollowing phone number or address: 1-800-367-7576 or at TIB The Independent Bankers Bank,\nN.A., P.O Box 569120, Dallas, Texas 75356-9120. If unauthorized use of a Card occurs before you\nnotify us of the loss, theft or unauthorized use, you may be liable up to a maximum amount of $50.\nIf unauthorized use of a Credit Device occurs, you may be liable for all of the unauthorized use.\nState Law Disclosures. CA Residents: Interest is compounded on unpaid Interest Charges on\nPurchases, Cash Advances and Balance Transfers. MD Residents: You have the right under Section\n12-510 of the Commercial Law Code to receive an answer to a written inquiry concerning the status\nof your Account. NJ Residents: Because certain provisions of this Agreement are subject to\napplicable laws, they may be void, unenforceable or inapplicable in some jurisdictions. None of\nthese provisions, however, is void, unenforceable or inapplicable in New Jersey.\nYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing\nAct.\nWhat to do if you find a mistake on your statement.\nIf you think there is an error on your statement, write to us at BBCS, Attn: Dispute Department,\n1550 North Brown Road, Suite 150, Lawrenceville, GA 30043 as soon as possible.\nIn your letter, give us the following information:\n* Account information: Your name and Account number.\n* Dollar amount: The dollar amount of the suspected error.\n* Description of problem: If you think there is an error on your bill, describe what\nyou believe is wrong and why you believe it is a mistake.\nYou must contact us within 60 days after the error appeared on your statement and at least 3\nbusiness days before an automated payment is scheduled, if you want to stop payment on the amount\nyou think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not\nrequired to investigate any potential errors and you may have to pay the amount in question.\nWhat will happen after we receive your letter.\nWhen we receive you letter, we must do two things:\n1.\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We\nwill also tell you if we have already corrected the error.\n2.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you\nwhy we believe the bill is correct.\nWhile we investigate whether or not there has been an error, we cannot try to collect the amount in\nquestion, or report you as delinquent on the amount. The charge in question may remain on your\nstatement, and we may continue to charge you interest on that amount. While you do not have to\npay the amount in question, you are responsible for the remainder of your balance. We can apply\nany unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n1.\nIf we made a mistake: You will not have to pay the amount in question or any interest or\nother fees related to that amount.\n2.\nIf we do not believe there was a mistake: You will have to pay the amount in question,\nalong with applicable interest and fees. We will send you a statement of the amount you\nowe and the date payment is due. We may then report you as delinquent if you do not pay\nthe amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10\ndays telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without\nalso reporting that you are questioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when the matter has been\nsettled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you\nquestion even if your bill is correct.\nYour rights if you are dissatisfied with your credit card purchases.\nIf you are dissatisfied with the goods or services that you have purchased with your Credit Card, and\nyou have tried in good faith to correct the problem with the merchant, you may have the right not to\npay the remaining amount due on the purchase. To use this right, all of the following must be true:\n1.\n\n2.\n\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your\ncurrent mailing address, and the purchase price must have been more than $50.\n(Note: Neither of these are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that sold you the goods\nor services.)\nYou must have used your credit card for the purchase. Purchases made with cash\nadvances from an ATM or with a check that accesses your credit card account do\nnot qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us\nin writing at BBCS, Attn: Dispute Department, 1550 North Brown Road, Suite 150,\nLawrenceville, GA 30043.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we\nfinish our investigation, we will tell you our decision. At that point, if we think you owe an amount\nand you do not pay, we may report you as delinquent.\n\n\x0cDISCLOSURE STATEMENT\nThe Credit Card Agreement & this Disclosure Statement constitute the Agreement for the Account.\nWorld Card and Preferred Points Cards\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n2.9% introductory APR for six months.\nAfter that, your APR will be 16.74%.\nPrime Rate.\n\nAPR for Balance Transfers\nand Cash Advances\n\nThis APR will vary with the market based on the\n\na\n\n2.9% introductory APR for six months.\nAfter that, your APR will be 16.74%. This APR will vary with the market based on the Prime\nRate. a\n20.74% - This APR will vary with the market based on the Prime Rate. b\n\nPenalty APR and When it\nApplies\n\nThis APR may be applied if you allow your Account to become 60 days past due.\nHow Long Will the Penalty Apply? If your APR is increased for the reason stated above, the\nPenalty APR will apply until you make three consecutive minimum payments when due.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you any\ninterest on purchases if you pay your entire balance by the due date each month. We will begin\ncharging interest on cash advances and balance transfers on the transaction date.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website\nof the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore/.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees:\nBalance Transfer and Cash\nAdvance\n\nEither $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater.\n\nInternational Transaction\n\n2% of each transaction in U.S. dollars.\n\nPenalty Fees:\nLate Payment\n\nUp to $25\n\nReturned Payment\n\nUp to $25\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your\naccount agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account\nagreement that will be provided to you before you begin using your new card\nPrime Rate: After the introductory rate, the APR will vary based on changes in the Index, the Prime Rate (the base rate on corporate\nloans posted by at least 70% of the 10 largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th\nday of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of\nGovernors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month\nfollowing a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in\nincreased or decreased Interest Charges on the Account. As of November 25, 2019, the Index was 4.75%.\na\n\nWe add 11.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. The Account will\nnever have an APR over 21%.\n\nb\n\nWe add 15.99% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%.\nThe issuer and administrator of the credit card program is TIB The Independent BankersBank, N.A. The information about the cost of the Card described in this table\nis accurate as of December 1, 2019. This information may change after that date. To find out what may have changed, call us at 800-367-7576 or write TIB The\nIndependent BankersBank, N.A., P.O. Box 569120, Dallas, Texas 75356-9120.\n\n\x0cHow Interest Charges are Determined & When They are Imposed\nInterest Charges on the Account will be figured on each monthly billing statement by applying the periodic rate to the total Balance\nSubject to Interest Charges. The periodic rate used to compute Interest Charges is disclosed above and is a monthly rate which, when\nmultiplied by 12, equals the APR disclosed above. If you obtain Cash Advances, Balance Transfers or elect to pay for Purchases in\ninstallments, each periodic statement will include an Interest Charge. There is no minimum Interest Charge. In connection with\nCash Advances and Balance Transfers, the first monthly billing statement after you receive a Cash Advance or Balance Transfer will\ninclude an Interest Charge from the date the transaction is posted to your Account. There is no period within which you may repay\ncash advances or balance transfers in order to avoid an Interest Charge.\nInterest Charges will not be imposed on purchases posted to your account in certain circumstances. For example, assuming that\nbilling cycles begin on the first day and end on the last day of each calendar month, and the month of June is the \xe2\x80\x9ccurrent\xe2\x80\x9d billing\ncycle: if (1) the purchase balance at the end of the preceding May billing cycle is paid in full by the payment due date (in June) for\nthe May billing cycle and (2) the purchase balance at the end of the June billing cycle is paid in full by its payment due date (in July),\nno Interest Charges will be imposed on purchases posted to the account during June. However, if the purchase balance of the May\nbilling cycle is not paid in full by its payment due date in June, Interest Charges will be imposed on purchases posted to the account\nin June from the date of such posting. If the June purchase balance is not paid in full by its payment due date in July, Interest\nCharges will be imposed from the first day of the July billing cycle on, but only on, the portion of June purchases not paid by the\npayment due date in July.\nAny portion of the New Balance appearing on a monthly billing statement (including Cash Advances, Balance Transfers, Purchases,\nInterest Charge and Other Charges) which is not paid in full and credited to the Account by the \xe2\x80\x9cPayment Due Date\xe2\x80\x9d shown on that\nstatement becomes part of the \xe2\x80\x9cPrevious Balance\xe2\x80\x9d on your next monthly billing statement.\nAll payments received by 5:00 p.m. during our normal business day at the address indicated on the monthly billing statement will be\ncredited to the Account as of the date of receipt of payment. If payment is made at any location other than such address, credit for\nthe payment may be delayed up to 5 days.\n\nMethod of Computing Balance Subject to Interest Charge\nThe Balance Subject to an Interest Charge is the sum of the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d for Purchases and the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d\nfor Cash Advances and Balance Transfers, computed as follows:\nThe Average Daily Balance for Purchases is computed by adding each day\xe2\x80\x99s ending balance for the current billing cycle (less any\nInterest Charge included therein and excluding any Cash Advances and Balance Transfers made during the current billing cycle), and\ndividing the total of such balances by the number of days in the billing cycle. Such total will include Purchases and debit\nadjustments made during the current billing cycle only if you have not paid in full the New Balance figure from the previous\nstatement as indicated by a \xe2\x80\x9cPayment\xe2\x80\x9d figure equal to or greater than the \xe2\x80\x9cPrevious Balance\xe2\x80\x9d figure under the Summary of\nTransactions on the statement for the current billing cycle.\nThe Average Daily Balance for Cash Advances and Balance Transfers is computed by adding each day\xe2\x80\x99s outstanding balance of\nCash Advances and Balance Transfers charged to the Account during the current billing cycle, and dividing the total of such balances\nby the number of days in the billing cycle.\nIf the Cash Advance and Balance Transfer portion of the New Balance and the Interest Charge applicable thereto are not paid in full\nand credited to the Account by the \xe2\x80\x9cPayment Due Date\xe2\x80\x9d shown on the first monthly billing statement to which the Cash Advance and\nBalance Transfer is billed, any balance remaining becomes a part of the \xe2\x80\x9cPrevious Balance\xe2\x80\x9d on Cardholder\xe2\x80\x99s next periodic statement\nand is computed as part of the Average Daily Balance for Purchases.\nArmed Forces Members and Dependents\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer\ncredit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual\npercentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with\ncredit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged\n(other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account). To hear this same disclosure and for a general description of your payment obligations\nfor this credit card account, please call us at 1-866-415-4842.\n\nSys 4193 4974 8601 1124 -Agent 4000\n\n(Rev. 12/19)\n\n\x0c'


b'The pricing addendum for the BB&T Bright Retail Credit Card is accurate as of November 21, 2020\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nPrime Rate + 7.99%\n\nAPR for Balance\nTransfers\n\nPrime Rate + 7.99% to Prime Rate + 16.99%\nThis APR will vary with the market based on the Prime Rate.\n\nto\n\nPrime Rate + 16.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances Prime Rate + 18.99%\nand Overdraft Advances This APR will vary with the market based on the Prime Rate.\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\nany interest on purchases if you pay your entire balance by the due date each month. We will\nbegin charging Interest on Cash Advances and Balance Transfers on the transaction date.\n\nMinimum Interest\nCharge\n\n\xe2\x80\xa2\n\nNone\n\n\xe2\x80\xa2\n\nNone\n\n\xe2\x80\xa2\n\n$10.00 or 3% of the amount of the transfer, whichever is greater.\n$10.00 or 3% of the amount of the transfer, whichever is greater.\n3% of the transaction after conversion to US dollars.\n\nFees\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit Limit\n\xe2\x80\xa2 Returned Payment\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nUp to $38\nNone\nNone\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including new transactions).\nPrime Rate: The Prime Rate used to determine your APR is a variable rate and is the highest prime rate published in the\n\xe2\x80\x9cMoney Rates\xe2\x80\x9d section of the U.S. edition of The Wall Street Journal as of the first day of the month in which your billing cycle\nends.\n\nBranch Banking and Trust Company, a subsidiary of BB&T Corporation, now Truist Bank, Member FDIC. \xc2\xa92020 Truist Financial Corporation. BB&T\xc2\xae, the BB&T\nlogo, and Truist are service marks of Truist Financial Corporation. All rights reserved.\n\n\x0cMASTERCARD\xc2\xae/VISA\xc2\xae CONSUMER\nCARDHOLDER AGREEMENT AND\nTRUTH IN LENDING DISCLOSURES\n\nImportant: Please read this folder\nand retain it for your records.\n\n\x0cTABLE OF CONTENTS\nMASTERCARD/VISA CONSUMER CARDHOLDER\nAGREEMENT AND TRUTH-IN-LENDING\nDISCLOSURES ....................................................3\nTERMS USED IN AGREEMENT......................3\nAGREEMENT BETWEEN BANK AND\nCARDHOLDER .............................................3\nARBITRATION AGREEMENT.........................10\nTRUTH IN LENDING DISCLOSURES AND\nCOMPUTATION OF ANNUAL PERCENTAGE\nRATES/FEES.....................................................12\nYOUR BILLING RIGHTS..............................15\n\n2\n\n\x0cMASTERCARD/VISA CONSUMER CARDHOLDER\nAGREEMENT AND TRUTH IN LENDING DISCLOSURES\nThis Cardholder Agreement and Truth in Lending Disclosures\n(\xe2\x80\x9cAgreement\xe2\x80\x9d) applies to any MasterCard Card or Visa Card\n(\xe2\x80\x9cCard\xe2\x80\x9d) previously issued, or to be issued, by Branch Banking\nand Trust Company (\xe2\x80\x9cBank\xe2\x80\x9d). This Agreement also governs\nthe issuance and use of \xe2\x80\x9cConvenience Checks\xe2\x80\x9d (\xe2\x80\x9cConvenience\nChecks\xe2\x80\x9d), Balance Transfers, and the use of your Cardholder\nAccount to provide Overdraft Protection.\nTERMS USED IN AGREEMENT\nThe following words have the following meanings in this\nAgreement: (a) \xe2\x80\x9cCardholder\xe2\x80\x9d means any individual(s), firm,\npartnership, or corporation who applies for, signs, accepts, uses,\nretains, or authorizes the use of the Card (hereinafter \xe2\x80\x9cyou,\xe2\x80\x9d\n\xe2\x80\x9cyour\xe2\x80\x9d); (b) \xe2\x80\x9cCardholder Account\xe2\x80\x9d or \xe2\x80\x9cAccount\xe2\x80\x9d means the credit\naccount or accounts established by Bank for Cardholder for\nall transactions under this Agreement as a result of issuance\nof either a MasterCard Card or Visa Card; (c) \xe2\x80\x9cCash Advance\xe2\x80\x9d\nmeans a loan that Cardholder obtains from Bank using any of\nthe methods specified in this Agreement; (d) \xe2\x80\x9cPurchase\xe2\x80\x9d means\na purchase of goods sold or services of any kind from a seller\nor provider of goods or services; (e) \xe2\x80\x9cMaximum Credit Limit\xe2\x80\x9d\nmeans the total dollar amount Bank approves against which the\nCardholder may make Purchases through the use of Cards; (f)\n\xe2\x80\x9cCash Advance Limit\xe2\x80\x9d means that portion of the Maximum Credit\nLimit against which the Cardholder may get Cash Advances\nthrough any of the methods specified in this Agreement; (g)\n\xe2\x80\x9cMerchant\xe2\x80\x9d means a business displaying the MasterCard and/\nor Visa signs; (h) \xe2\x80\x9cOverdraft Protection\xe2\x80\x9d means a service for\nqualified checking account clients of Bank\xe2\x80\x99s affiliated financial\ninstitutions, which protects your designated checking accounts\nfrom overdrafts and rejected items by making automatic Cash\nAdvances from your Cardholder Account.\nAGREEMENT BETWEEN BANK AND CARDHOLDER\nCardholder agrees to be bound by the following terms,\nconditions, and disclosures, which shall constitute the\nAgreement between Bank and Cardholder. By accepting\nand using the Card or a Convenience Check, or any feature\nof the Account, or by electronically agreeing to the terms\nof this Agreement, the Cardholder expressly agrees to\nbe bound by the provisions of this Agreement and to the\nrates and charges applicable to the use of the Card, the\nConvenience Checks and any other feature or transaction\napplicable to the Account. Cardholder acknowledges that\nthis Account s to be used primarily for personal, family and\nhousehold purposes.\nCOMMUNICATIONS CONSENT\nYou expressly consent and agree that Bank and our\naffiliates, agents, assignees and service providers may use\nwritten, electronic or verbal means to contact you. This\nconsent includes, but is not limited to, contact by manual\ncalling methods, prerecorded or artificial voice messages,\ntext messages, emails and/or automatic telephone dialing\n3\n\n\x0csystems. You agree that Bank and our affiliates, agents,\nassignees and service providers may use any email\naddress or any telephone number you provide, now or\nin the future, including a number for a cellular phone or\nother wireless device, regardless of whether you incur\ncharges as a result. For any wireless (cell phone) number\nyou provide, you represent that you are the subscriber or\nare authorized to consent to these communications on\nbehalf of the subscriber. You agree that Bank may monitor\nand record any telephone calls to assure the quality of our\nservice or for other business reasons, and that you will\nadvise us if your contact information changes.\nELECTRONIC CONTRACTING\nYou agree that if you applied for your Card online, that: (i) this\nAgreement is an electronic contract executed by you using your\nelectronic signature, (ii) your electronic signature signifies your\nintent to enter into this Agreement and that this Agreement be\nlegally valid and enforceable according to its terms, (iii) that\nthe authoritative copy of this Agreement (\xe2\x80\x9cAuthoritative Copy\xe2\x80\x9d)\nwill be the electronic record of this Agreement that is stored in a\ndocument management system designated by us for the storage\nof authoritative copies of electronic records produced and used\nin the ordinary course of business, and (iv) no paper version of\nthe Authoritative Copy will be executed, although you may print a\ncopy of the Agreement for your own records.\n1. Bank may refuse to issue the Card, or may revoke the Card\nissued to Cardholder, with or without cause or notice. Any\nrevoked Card, along with any Convenience Checks, must\nbe surrendered upon demand or upon knowledge of its\nrevocation, to Bank or its agent designated to repossess the\nCard. No expired or revoked Card or Convenience Checks\nshall be used to obtain, or to attempt to obtain, credit.\n2. Under the terms hereof Cardholder may, by use of the Card,\nbuy goods and services from businesses displaying the\nMasterCard and/or Visa signs. A business displaying any of\nthe above signs shall be hereinafter referred to as Merchant.\nCardholder may also use the Card to borrow cash from any\nbank displaying the appropriate sign. The Card must be signed\nto insure proper use. The Card is not valid unless signed by the\nCardholder. Cardholder must follow any reasonable and proper\nprocedures required by a bank or Merchant honoring the Card.\n3. Cardholder may utilize Convenience Checks as he would\nchecks written on a regular checking account. Bank will honor\na properly signed Convenience Check, which shall be deemed\nto be signed written authorization for a Cash Advance. Any\nConvenience Checks delivered to Cardholder will be similar\nto regular checking account checks. The only party authorized\nto sign a Convenience Check shall be the Cardholder\nregardless of whether other individuals are authorized to\nreceive extensions of credit under this Agreement. Other\nthan Convenience Checks and personal checks drawn on\na checking account for which Cardholder has obtained\nOverdraft Protection, no other checks may be used to obtain\nCash Advances, and when paid by Bank they will constitute a\nCash Advance which will be debited to Cardholder\xe2\x80\x99s account.\n4\n\n\x0cBank shall not be obligated to certify any Convenience Check\nissued under this Agreement. Convenience Checks may only\nbe written in U.S. Dollars. Also, Bank shall not be obligated\nto pay a Convenience Check if such payment will overextend\nCardholder\xe2\x80\x99s credit limit or if Cardholder\xe2\x80\x99s account is not in\ngood standing. A Convenience Check cannot be used to make\na payment on your Cardholder Account.\n4. Cardholders who are also qualifying checking account clients\nmay elect to utilize their Cardholder Account to provide\nOverdraft Protection for one or more qualifying checking\naccounts. If you have elected to use your Cardholder Account\nto provide Overdraft Protection, automatic Cash Advances will\nbe made against the Credit Card Account to cover overdrafts\nin designated checking accounts. The presentation of any\ncheck signed by any person authorized to draw checks upon\nany checking accounts for which you have elected Overdraft\nProtection or the assessment of any other charges against the\nchecking accounts in excess of the balance in the checking\naccounts constitutes an authorization for a Cash Advance to\nbe made under this Agreement. We have the sole discretion to\ndetermine whether to advance funds to the checking accounts\nin the amount needed to cover each overdraft amount item, up\nto the established Cash Advance Limit, to pay checks, drafts,\nor any other charges when there is not a sufficient balance\nin the checking accounts at the time such checks, drafts,\nor other charges are presented or made. Bank may refuse\nto authorize any Cash Advance in connection with Overdraft\nProtection if the Cardholder Account is not in good standing\nor if the Cash Advance would exceed the Cash Advance Limit.\nBank is not liable for any returned items or NSF fees. The\nterms and conditions governing your checking accounts and\nthe fees (including any fees charged for Overdraft Protection)\nassociated with your checking accounts are contained in the\nBank Services Agreement and the Financial Services Pricing\nGuide which are incorporated herein by reference.\n5. Cardholder shall not use the Card, Convenience Checks or\nOverdraft Protection if such use would make Cardholder\xe2\x80\x99s\ndebt to Bank greater than the credit limit set by Bank from\ntime to time.\n6. Upon request, Cardholder may transfer outstanding\nbalances from other credit cards to the Card (\xe2\x80\x9cBalance\nTransfer\xe2\x80\x9d). Cardholder has 10 days from the date the\nAccount was opened to call Bank at 1-800-476-4228 to\ncancel any Balance Transfers. Balance Transfer processing\ntime may vary so please continue to pay the minimum\namount due until the Balance Transfer amount appears on\nthe billing statement from your other creditor(s). All Balance\nTransfers will be posted to the Cardholder\xe2\x80\x99s Account as a\nPurchase, with the Balance Transfers considered a part of\nthe outstanding balance from the date of the transfer. Bank\nmay charge a Balance Transfer Fee. Please see the Interest\nRate and Interest Charges document for any applicable\nBalance Transfer Fee.\n7. The Bank at its discretion may from time to time increase\nthe credit limit of the cardholder.\n8. The Bank may at anytime decrease the credit limit of the\ncardholder if the Bank deems repayment of the debt to be at\n5\n\n\x0crisk or if the performance by the client is deemed impaired.\n9. Bank may charge an annual fee to Cardholder\xe2\x80\x99s account,\nin advance, whether or not the Card is used to obtain\nextensions of credit. The amount of the annual fee will be\nas specified from time to time by notice or disclosure given\nby Bank to Cardholder.\n10. Cardholder shall be responsible for the annual fee and\nall credit obtained (through Purchases, Cash Advances, or\notherwise) by the authorized use of Card or Convenience\nChecks, by any person. Further information regarding the\nannual fee may be found in the Interest Rate and Interest\nCharges document included with this mailing.\n11. The following transactions are considered Cash Advances:\nrequesting cash in person at any bank; making a credit\ntransaction at participating ATM network machines; making\na credit transaction through online banking; funding a wire\ntransfer; purchasing of money orders, travelers checks, lottery\ntickets, betting or casino chips, or cryptocurrency; writing a\nConvenience Check; making a credit transaction by using BB&T\nPhone24; or utilizing Overdraft Protection. A Cash Advance fee\nwill not be charged on Cash Advances made in connection with\nOverdraft Protection. Fees may apply for other types of cash\nadvances as listed in paragraph 8(d) of the Truth in Lending\nDisclosures. At the time of obtaining each Cash Advance\n(other than at an ATM machine) or at the time of making each\npurchase or credit transaction, Cardholder or his authorized\nuser, shall sign a Cash Advance slip, sales slip, or by any other\nmethod Bank may approve from time to time, evidencing the\ntransaction. The word \xe2\x80\x9cslip\xe2\x80\x9d shall include a draft or any other\ninstrument acknowledging or recognizing the transaction.\nCardholder shall be furnished one copy of each slip signed by\nthe Cardholder; provided, however, that no such copy will be\nfurnished if Cardholder writes a Convenience Check, writes a\npersonal check(s) triggering Overdraft Protection or makes or\nreceives a credit transaction at an ATM machine or through\nonline banking or Phone24. Total Cash Advance limits and daily\nCash limits will be established by the Bank at its discretion.\n12. If any Card or Convenience Checks are lost or stolen,\nCardholder shall immediately notify Bank upon discovery of\nsuch loss or theft by calling 1-800-476-4228. Cardholder\nshall cooperate completely with Bank in its attempts\nto recover any losses suffered by Bank resulting from\nunauthorized users and shall assist in the prosecution of\nsuch persons. Further information regarding the procedures\nfor lost or stolen Cards or Convenience Checks is available\nin paragraph 10 of the Truth in Lending Disclosures.\n13. Bank shall have no liability or responsibility whatsoever\nresulting from the refusal of any Merchant or any bank to\nhonor the Card or Convenience Checks, and Bank shall not\nbe, or be deemed to be, a party to any purchase or other\ntransaction between Cardholder (or other user of Card) and any\nMerchant even though Bank may become obligated to make\ndisbursements directly to such Merchant. No cash refunds will\nbe made to, or accepted by, a Cardholder with respect to any\nadjustments for, or returns of, goods or services purchased. Any\nadjustment, return or refund in connection therewith shall be\n6\n\n\x0caccomplished only by credit to the Cardholder\xe2\x80\x99s account with\nBank authorized by a properly executed credit slip.\n14. If a Merchant discloses a policy such as \xe2\x80\x9cno returns\xe2\x80\x9d,\n\xe2\x80\x9cno refunds\xe2\x80\x9d, \xe2\x80\x9cas is\xe2\x80\x9d, etc. you will be bound by that policy\nwhen you use your Account to purchase goods or services\nfrom that Merchant. Similarly, if you use your Account to\nmake travel or lodging reservations, you will be bound by\nthat Merchant\xe2\x80\x99s cancellation policy.\n15. If you authorize a Merchant to charge your Account for\nrecurring transactions without your card being present,\nyou agree to notify the Merchant when you discontinue the\ntransaction or if your Account is closed or a new Account\nnumber is issued by us.\n16. This Account may be used for legal purposes only. The\nBank at its discretion may block any transactions that\ncould be considered of an illegal or at-risk nature. We will\nnot be liable if you engage in an illegal transaction.\n17. Bank will bill Cardholder monthly, on a date selected by Bank,\nfor amounts becoming due through use of Cardholder\xe2\x80\x99s Card,\nConvenience Checks or Overdraft Protection. Upon receipt,\nCardholder should examine each statement and immediately\nnotify Bank of any charge or item, which Cardholder believes\nto be in error, or subject to dispute. Any charge or item as to\nwhich Bank is not notified within sixty (60) days after billing\ndate shall be conclusively deemed to be correct.\n18. If you disagree with a transaction on your statement or have\na dispute with the Merchant as a result of the transaction,\nyou agree to provide information or assistance we request.\nOtherwise, you agree to pay us for any resulting loss we have\nunless we are prohibited by applicable law from holding you\nliable for our loss. Transactions made with the proceeds of a\nCash Advance are not covered by this paragraph.\n19. Notwithstanding anything herein to the contrary, Bank may\ndeclare you to be in default if one or more of the following\nevents occur: (a) default by Cardholder in making any\npayment when due and payable, (b) default by Cardholder\nunder any provision of this Agreement, or any other agreement\nBorrower may have with Bankcard or any of its affiliated\nbanks (c) Cardholder\xe2\x80\x99s death, insolvency or making an\nassignment for the benefit of creditors, (d) a petition being\nfiled or any other proceeding being commenced under the\nFederal Bankruptcy Code or any state insolvency statute by or\nagainst Cardholder, or (e) a receiver being appointed for, or a\nwrit or order of attachment, levy or garnishment being issued\nagainst Cardholder or any of Cardholder\xe2\x80\x99s property, assets or\nincome, (f) or in the event Bank shall deem itself or the debt\nunsafe or insecure or deems that the prospect of payment\nor performance by customer is impaired, (g) or if any of the\nundersigned or any Obligor shall fail to furnish information\nto Bank sufficient to verify the identity of the undersigned\nor any Obligor as required under the USA PATRIOT Act then,\nat Bank\xe2\x80\x99s option, all amounts from Cardholder to Bank shall\nbecome immediately due and payable and in any such event\nCardholder agrees to pay all costs of collection permitted by\napplicable law, including reasonable attorneys\xe2\x80\x99 fees, incurred\nby Bank in connection therewith.\n7\n\n\x0c20. If Cardholder chooses to pay less than the total new balance\nas shown on Cardholder\xe2\x80\x99s monthly periodic statement, a\ntotal minimum payment is required for each billing cycle. The\ntotal minimum payment is calculated as the greater of the\nfollowing: (1) 1% of your total new balance plus interest and\nselect fees, but not less than $27.00; or (2) 1% of your total\nnew balance plus interest, select fees, and the higher of any\npast due amount or any amount over credit limit. Select fees,\nas referenced above, include Late Payment Fees, Statement\nCopy Fees, Customer Requested Expedited Service Fees, and\nRevolving Account Protection (RAP) Coverage fees.\n21. Cardholder agrees to make at least the minimum periodic\npayment no later than the due date as indicated on the\nmonthly periodic statement provided by Bank. Bank may\nwithhold availability of credit until the payment of the item\npresented has been collected. If Cardholder is late making the\npayment, Bank may, at its option, charge the late payment\nfees as disclosed in paragraph 8 (b) of the Truth in Lending\nDisclosures, in addition to the Interest Cardholder owes under\nthis Agreement.\nPayments made in proper form as follows will be credited\nas of the date of receipt:\n\xe2\x80\xa2 At any BB&T financial center during normal business\nhours\n\xe2\x80\xa2 Through BB&T Phone24 by 6 pm EST\n\xe2\x80\xa2 Through BB&T Online Banking or BB&T Mobile by 7\npm EST\n\xe2\x80\xa2 By mail if received by 5 pm EST \xe2\x80\x93 please allow at\nleast 5 Business Days for delivery\n22. The Bank will apply your payment in the following order:\nInterest, Fees, and balances from highest to lowest APR.\n23. Any notice required to be given by this Agreement, by law, or\ndesired to be given by Bank, shall be deemed effectively given\nif and when posted in the United States mail addressed to\nyou at your billing or last known address on Bank\xe2\x80\x99s records,\nor delivered electronically through BB&T online banking, or\ndelivered by email, if legally permitted, to the address you have\nprovided. Cardholder agrees to promptly notify Bank if any\nof your contact information changes, which may include your\nname, mailing address, email address, or phone numbers.\n24. Foreign Transactions and Fees: Visa or MasterCard\nInternational will convert to U.S. dollars any charge or credit\nmade to your Account in currency other than U.S. dollars. The\nconversion rate will be determined under Visa or MasterCard\nregulations. The conversion rate may differ from the rate on\nthe date of your transaction. Currently, Visa and MasterCard\nuse a currency conversion rate of either: (1) a wholesale\nmarket rate, or (2) a government-mandated rate. Visa and\nMasterCard use, under their respective regulations, either\nthe rate in effect on (1) the date the transaction is processed\nor (2) the day before the date the transaction is processed.\nBank may charge a foreign transaction fee for transactions\nmade or processed outside the U.S. as listed in paragraph\n8(e) of the Truth in Lending Disclosures.\n25. Change In Terms: Bank may change the terms of this\nAgreement at any time. The new terms will apply to both\n8\n\n\x0cnew Purchases and Cash Advances and any unpaid\nbalance and accrued INTEREST at the time the change is\neffective. We will provide you with notice of the change to\nthe extent required by law.\n26. Disputed Accounts: Bank will not be obligated to accept\nany check, money order or other payment instrument\nmarked \xe2\x80\x9cpayment in full\xe2\x80\x9d delivered on any disputed\naccount, loan balance, fee or expense owed, and Bank\nexpressly reserves the right to reject all such payment\ninstruments. All communications concerning any disputed\namounts owed, including without limitation any payment\ninstrument tendered in good faith as full satisfaction of\namount owed, must be sent to the following address:\nDisputed Accounts Bankcard Disputed Payments\nP.O. Box 200\nWilson, NC 27894-0200\nIf Cardholder fails to send any communication, check,\nmoney order or other payment instrument purporting to pay\nany disputed amount due hereunder in full, to the address\ndesignated above, the obligation referred to will not be\nsatisfied, and shall be deemed not to have been in good\nfaith, even if such payment instrument is inadvertently\nprocessed by Bank.\n27. Accuracy of Credit Information: Bank regularly and in\nthe normal course of business reports its credit experience\nwith its customers to the major credit bureau repositories.\nShould you believe that information we have reported about\nthe credit history of your Account(s) is inaccurate, please\nnotify us at the following address: BB&T Loan Services,\nP.O. Box 1847, Wilson, North Carolina 27893-1847.\nPlease include your name, address, Social Security number,\naccount number and a specific explanation of what\ninformation you believe to be inaccurate.\n28. Notice of Furnishing Negative Information: We may\nreport information about your account to credit bureaus.\nLate payments, missed payments, or other defaults on your\naccount may be reflected in your credit report.\n29. Important Information For:\nCalifornia Residents: The applicant, if married, may\napply for a separate account. After credit approval, each\napplicant shall have the right to use this account to the\nextent of any credit limit set by the creditor and each\napplicant may be liable for all amounts of credit extended\nunder this account to each joint applicant.\nNew York and Vermont Residents: We may obtain at any time\nyour credit reports for any legitimate purpose associated\nwith the account or the application or request for an account,\nincluding but not limited to reviewing, modifying, renewing\nand collecting on your account. On your request, you will be\ninformed if such a report was ordered. If so, you will be given\nthe name and address of the consumer reporting agency\nfurnishing the report. New York residents may contact the\nstate banking department to obtain a comparative listing\nof credit card rates, fees and grace periods. New York State\nBanking Department: 1-800-518-8866.\nOhio Residents: The Ohio laws against discrimination\nrequire that all creditors make credit equally available\n9\n\n\x0cto all creditworthy customers and that credit reporting\nagencies maintain separate credit histories on each\nindividual upon request. The Ohio Civil Rights Commission\nadministers compliance with this law.\nUtah Residents: As required by Utah law, you are hereby\nnotified that a negative credit report reflecting on your\ncredit record may be submitted to a credit reporting agency\nif you fail to fulfill the terms of your credit obligation.\nMarried Wisconsin Residents: No provision of any\nmarital property agreement, unilateral statement, or\ncourt order applying to marital property will adversely\naffect a creditor\xe2\x80\x99s interests unless prior to the time\ncredit is granted, the creditor is furnished with a copy of\nthe agreement, statement or court order, or has actual\nknowledge of the provision.\n30. Governing Law: This Agreement and my Account shall\nbe governed by the laws of the United States and, to the\nextent applicable, the laws of the State of North Carolina,\nregardless of where Cardholder resides or uses the Account.\n31. Introductory and Promotional Rates and Fees: At the\ntime your Account is opened, Bank may offer introductory\nor promotional rates and fees for a specified period of time\nthat will be disclosed in your Interest Rate and Interest\nCharges document. If your Account is eligible, Bank\nmay, from time to time, offer introductory or promotional\nrates and fees after your Account is opened. The terms\nof that offer will be disclosed to you at that time and may\ndiffer from any prior introductory or promotional offers.\nAfter introductory or promotional rates and fees expire,\nthe remaining balances will be subject to your standard\napplicable APR and fees.\nARBITRATION AGREEMENT\nThe following arbitration agreement does not apply to you if\nyou were a member of the active military, or were a spouse or\ndependent of a member of the active military, at the time you\napplied to establish your account and your account is subject\nto the provisions of the Military Lending Act, 10 U.S.C. \xc2\xa7 987\nand its implementing regulations, 32 C.F.R. \xc2\xa7 232.1, et seq.\n32. IT IS IMPORTANT THAT YOU READ THIS ARBITRATION\nPROVISION CAREFULLY. IT PROVIDES THAT YOU MAY BE\nREQUIRED TO SETTLE A CLAIM OR DISPUTE THROUGH\nARBITRATION, EVEN IF YOU PREFER TO LITIGATE SUCH\nCLAIMS IN COURT. YOU ARE WAIVING RIGHTS YOU MAY HAVE\nTO LITIGATE THE CLAIMS IN A COURT OR BEFORE A JURY.\nYOU ARE WAIVING YOUR RIGHT TO PARTICIPATE IN A CLASS\nACTION LAWSUIT, CLASS ACTION ARBITRATION, OR OTHER\nREPRESENTATIVE ACTION WITH RESPECT TO SUCH CLAIMS.\nAny dispute, claim, controversy or cause of action, that\nis filed in any court and that arises out of or relates to\nthis Agreement or Cardholder\xe2\x80\x99s application for a Card, or\nthe breach, termination, enforcement, interpretation or\nvalidity thereof, including the determination of the scope\nor applicability of this agreement to arbitrate, shall be\ndetermined by arbitration before one arbitrator at a location\n10\n\n\x0cmutually agreed upon in the state where your account is\nmaintained, or as may be otherwise required under the\nJAMS Minimum Consumer Standards, which is incorporated\nby reference herein. The arbitration shall be administered\nby JAMS pursuant to its Streamlined Arbitration Rules &\nProcedures. Judgment on an award may be entered in any\ncourt having jurisdiction. This clause shall not preclude a\nparty from seeking provisional remedies in aid of arbitration\nfrom a court of appropriate jurisdiction. The arbitrator may, in\nits award, allocate all or part of the costs of the arbitration,\nincluding the fees of the arbitrator and the reasonable\nattorneys\xe2\x80\x99 fees of the prevailing party. Notwithstanding\nother language in this agreement, a party retains the right\nto bring an action in small claims court if it is within the\njurisdictional limits of that court. If a party elects arbitration,\nit may be conducted as an individual action only. This\nmeans that even if a demand for a class action lawsuit,\nclass arbitration, or other representative action (including\na private attorney general action) is filed, the matter will\nbe subject to individual arbitration. Either party may bring\na summary or expedited motion to compel arbitration or to\nstay the applicable litigation of a dispute in any court. Such\nmotion may be brought at any time, and the failure to initiate\nor request arbitration at the beginning of litigation shall\nnot be construed as a waiver of the right to arbitration. If a\nparty elects to arbitrate it shall provide notice to the other\nparty. The Bank shall provide notice to you at the address\nwe have in our records, and you may provide notice to:\nLitigation Practice Group Manager, BB&T Legal Department,\nP.O. Box 1255, Winston-Salem, NC 27102. You may obtain\na copy of the rules of the arbitration administrator,\nincluding information about consumer arbitration, fees, and\ninstructions for initiating arbitration by contacting JAMS at\nwww.jamsadr.com. Phone: 800-352-5267.\nYou and the Bank each agree that under this Agreement,\nyou and the Bank are participating in transactions\ninvolving interstate commerce which shall be governed\nby the provisions of the Federal Arbitration Act, Title 9\nof the United States Code (\xe2\x80\x9cFAA\xe2\x80\x9d) and not by any state\nlaw concerning arbitration. The arbitrator shall follow\napplicable substantive law to the extent consistent with\nthe FAA, applicable statutes of limitation and applicable\nprivilege rules, and shall be authorized to award all\navailable remedies, including without limitation, damages\n(to the extent not limited by this Agreement), declaratory,\ninjunctive and other equitable relief, and attorneys\xe2\x80\x99 fees\nand costs. The arbitrator shall follow rules of procedure and\nevidence consistent with the FAA, this provision, and the\nadministrator\xe2\x80\x99s rules.\nAny court with jurisdiction may enter judgment upon the\narbitrator\xe2\x80\x99s award. The arbitrator\xe2\x80\x99s award will be final and\nbinding, except for any appeal right under the FAA. Unless\napplicable law provides otherwise, the appealing party will\npay the cost of appeal, regardless of its outcome. However,\nwe will consider in good faith any reasonable written\n11\n\n\x0crequest for us to bear the cost of your appeal. We will pay\nany fees or expenses we are required by law to pay or in\norder to make this arbitration provision enforceable.\nThis arbitration provision shall survive termination or\nsuspension of the Account or this Agreement, and shall\nsurvive payment of Cardholder\xe2\x80\x99s obligations under this\nAgreement or termination of any or all Cards. If any\nportion of this arbitration provision is deemed invalid\nor unenforceable, it shall not invalidate the remaining\nportions of this arbitration provision or Agreement; provided,\nhowever, if the limitations on class actions are struck in\na proceeding brought on a class, representative or private\nattorney general basis, without impairing the right to\nappeal such decision, this entire arbitration provision (other\nthan this proviso) shall be null and void in such proceeding.\nTRUTH IN LENDING DISCLOSURES\nAND COMPUTATION OF ANNUAL\nPERCENTAGE RATES/FEES\nBranch Banking and Trust Company (hereinafter \xe2\x80\x9cwe,\xe2\x80\x9d\n\xe2\x80\x9cour,\xe2\x80\x9d and \xe2\x80\x9cus\xe2\x80\x9d) makes the following Truth in Lending\nDisclosures to Cardholder (hereinafter \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour\xe2\x80\x9d).\nYou agree that the rate and charges and methods of\ncomputation and repayment in connection with use of the\nCard are as follows:\n1. Computation of INTEREST on Purchases (Daily):\n(a) No INTEREST is imposed on Purchases if the total new\nbalance as shown on your monthly periodic statement\nis paid in full within 25 days of the statement date.\nINTEREST is imposed on Balance Transfers from the date\nof the transfer.\n(b) Where payment of the total new balance is not made\nin full within 25 days (or when the new balance includes\nBalance Transfers), INTEREST will be imposed on your\nPurchase balance. We calculate INTEREST on this portion\nof your Account by applying the daily periodic rate to\nthe beginning daily balance for Purchases plus any new\nPurchases and fees (other than Cash Advance fees) and less\nany payments or credits. To compute the daily balance for\nPurchases we take the beginning Purchase balance of your\naccount each day, add any new Purchases, fees (other than\nCash Advance fees) and any INTEREST on the current day\xe2\x80\x99s\nbalance, and we subtract any payments or credits. This gives\nus the daily balance. A Purchase appearing on your statement\nis considered a part of the outstanding balance from the\ndate of the transaction or, if posting occurs in the next billing\ncycle, then from the first day of the next billing cycle.\n(c) See the Interest Rate and Interest Charges document\nincluded with this mailing for the ANNUAL PERCENTAGE\nRATE. The daily periodic rate is the annual percentage rate\ndivided by 365.\n2. Computation of INTEREST on Cash Advances (Daily):\n(a) INTEREST is imposed for each day that you have the\nCash Advance.\n(b) The amount, which will be subject to INTEREST, is the\ndaily balance of your Cash Advances during the billing\n12\n\n\x0ccycle. We calculate the INTEREST on this portion of your\nAccount by applying the daily periodic rate to the beginning\ndaily balance for Cash Advances plus any new Cash\nAdvances and Cash Advance fees and less any payments or\ncredits. To compute the daily balance for Cash Advances we\ntake the beginning Cash Advance balance of your account\neach day, add any new Cash Advances, any Cash Advance\nfees and any INTEREST on the current day\xe2\x80\x99s balance, and\nwe subtract any payments or credits. This gives us the daily\nbalance. A Cash Advance appearing on your statement is\nconsidered a part of the outstanding balance from the date\nof the transaction or, if posting occurs in the next billing\ncycle, then from the first day of the next billing cycle.\n(c) See the Interest Rate and Interest Charges document\nincluded with this mailing for the ANNUAL PERCENTAGE\nRATE. The daily periodic rate is the annual percentage rate\ndivided by 365.\n3. Computation of INTEREST with Special Rate (Daily):\n(a) If we have special periodic rate offers in effect from\ntime to time, we will separately identify them on your\nmonthly statement and separately disclose on your monthly\nstatement the balance to which the special offers apply.\nThese separate balances and the related periodic INTEREST\nwill be calculated in the same manner as described above\nfor the current or previous cycle transactions, as applicable.\n(b) Special rate offers may apply to special convenience\nchecks. If so, special convenience checks will be issued\nand, if used, will be posted to the account as Purchases,\nwith INTEREST imposed from the transaction date.\n(c) When a special rate offer expires, the annual\npercentage rates under 1 (c) and/or 2(c) will apply.\n(d) If applicable, see the Interest Rate and Interest\nCharges document included with this mailing and\nincorporated by reference for the special introductory\nANNUAL PERCENTAGE RATE. The special introductory daily\nperiodic rate is the special annual percentage rate divided\nby 365.\n4. Computation of INTEREST on Purchases (Monthly):\n(a) No INTEREST is imposed on Purchases if the total new\nbalance as shown on your monthly periodic statement is paid\nin full within 25 days of the statement date. INTEREST is\nimposed on Balance Transfers from the date of the transfer.\n(b) Where payment of the total new balance is not made\nin full within 25 days (or includes Balance Transfers),\nINTEREST will be imposed on your Purchase balance. We\ncalculate INTEREST on this portion of your Account by\napplying the monthly periodic rate to the Average Daily\nPurchase Balance. To determine the Average Daily Purchase\nBalance of any account, we will take the beginning\nPurchase balance of the account each day, add any new\nPurchases (including Balance Transfers) and Fees (except\nCash Advance fees), and subtract any payment or credits.\nThis produces the daily Purchase balance. Then, we add up\nthe daily Purchase balances for each day in the billing cycle\nand divide the total by the number of days in the billing\ncycle. This produces the Average Daily Purchase Balance.\nA Purchase appearing on your statement is considered\n13\n\n\x0ca part of the outstanding balance from the date of the\ntransaction or, if posting occurs in the next billing cycle,\nthen from the first day of the next billing cycle.\n(c) See the Interest Rate and Interest Charges document\nincluded with this mailing for the ANNUAL PERCENTAGE\nRATE. The monthly periodic rate is 1/12 of the annual\npercentage rate.\n5. Computation of INTEREST on Cash Advances (Monthly):\n(a) INTEREST is imposed for each day that you have the\nCash Advance.\n(b) The amount, which will be subject to INTEREST, is the Cash\nAdvance Balance. We calculate INTEREST on this portion of\nyour Account by applying the monthly periodic rate to Average\nMonthly Cash Advance Balance. To determine the Average\nDaily Cash Advance Balance of any account (including current\ntransactions), we will take the beginning Cash Advance\nBalances of the account each day, add new Cash Advances\nand Cash Advance fees and subtract any payments or credits.\nThis produces the daily Cash Advances balance. Then, we add\nup the daily balances for each day in the billing cycle and\ndivide the total by the number of days in the billing cycle. This\nproduces the Average Daily Cash Advance balance. A Cash\nAdvance appearing on your statement is considered a part of\nthe outstanding balance from the date of the transaction or, if\nposting occurs in the next billing cycle, then from the first day\nof the next billing cycle.\n(c) See the Interest Rate and Interest Charges document\nincluded with this mailing for the ANNUAL PERCENTAGE\nRATE. The monthly periodic rate is 1/12 of the annual\npercentage rate.\n6. Computation of INTEREST with Special Rate (Monthly):\n(a) If we have special periodic rate offers in effect from\ntime to time, we will separately identify them on your\nmonthly statement and separately disclose on your monthly\nstatement the balance to which the special offers apply.\nThese separate balances and the related periodic INTEREST\nwill be calculated in the same manner as described above\nfor the current or previous cycle transactions, as applicable.\n(b) Special rate offers may apply to special convenience\nchecks. If so, special convenience checks will be issued\nand, if used, will be posted to the account as Purchases,\nwith INTEREST imposed from the transaction date.\n(c) When a special rate offer expires, the annual\npercentage rates under 4 (c) and/or 5 (c) will apply.\n(d) If applicable, see the Interest Rate and Interest\nCharges document included with this mailing and\nincorporated by reference for the special introductory\nANNUAL PERCENTAGE RATE. The special introductory\nmonthly periodic rate is 1/12 of the special annual\npercentage rate.\n7. Minimum INTEREST: See the Interest Rate and Interest\nCharges document included with this mailing and\nincorporated by reference for the minimum INTEREST\ncharge.\n8. Fees and Charges: These fees will be subject to the applicable\nINTEREST as provided in paragraphs 1, 2, 4 and 5 above.\n14\n\n\x0c(a) Annual Fee: See the Interest Rate and Interest Charges\ndocument included with this mailing and incorporated by\nreference for the annual fee.\n(b) Late Payment Fee: See the Interest Rate and Interest\nCharges document included with this mailing and\nincorporated by reference for the late payment fee.\n(c) Balance Transfer Fee: See the Interest Rate and\nInterest Charges document included with this mailing and\nincorporated by reference for the balance transfer fee.\n(d) Cash Advance Fee: See the Interest Rate and Interest\nCharges document included with this mailing and\nincorporated by reference for the cash advance fee.\n(e) Foreign Transaction Fee: See the Interest Rate and\nInterest Charges document included with this mailing and\nincorporated by reference for foreign transaction fee.\n(f) Return Payment Fee: See the Interest Rate and Interest\nCharges document included with this mailing and\nincorporated by reference for return payment fee.\n(g) Statement Copy Fee: See the Interest Rate and Interest\nCharges document included with this mailing and\nincorporated by reference for statement copy fee.\n(h) Customer Requested Expedited Service Fee: See the Interest\nRate and Interest Charges document included with this mailing\nand incorporated by reference for customer requested expedited\nservice fee.\n9. We retain no security interest in any property purchased\nwith your Card.\n10. You will not be liable for any unauthorized use of your\nCard or Convenience Checks if you report the loss, theft\nor unauthorized use. Written notice should be provided to\nBranch Banking and Trust Company, P.O. Box 698, Wilson,\nNorth Carolina 27894-0698. Verbal notice should be given\nby calling 1-800-476-4228. A transaction is considered\nunauthorized if it is initiated by someone other than the\nCardholder without the Cardholder\xe2\x80\x99s actual, implied, or\napparent authority, and the Cardholder receives no benefit\nfrom the transaction. We may conduct an investigation of\nyour claim, and we may deny your claim if we reasonably\nconclude that the facts and circumstances do not\nreasonably support a claim of unauthorized use. We may\nrequire you to provide a written statement, affidavit or other\ninformation in support of your claim of unauthorized use. If\nyou do not provide supporting information within the time\nrequested or within a reasonable period of time if a date is\nnot stated, we may deny your claim of unauthorized.\nYOUR BILLING RIGHTS\nKEEP THIS NOTICE FOR FUTURE USE\nThis notice contains important information regarding your\nrights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Think You Find a Mistake On Your\nStatement\nIf you think there is an error on your statement, write to us at:\nCustomer Service\nPO Box 30495\nTampa FL 33630-3495\n15\n\n\x0cIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account\nnumber;\n\xe2\x80\xa2 The posting date of the transaction in question;\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected\nerror; and\n\xe2\x80\xa2 Description of Problem: If you think there is an error\non your bill, describe what you believe is wrong and\nwhy you believe it is a mistake.\nYou must contact us within 60 days after the error\nappeared on your statement.\nYou must notify us of any potential errors in writing.\nYou may call us, but if you do, we are not required to\ninvestigate any potential errors and you may have to pay\nthe amount in question.\nWhile we investigate whether or not there has been an\nerror, the following are true:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or\nreport you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement,\nand we may continue to charge you interest on that\namount. If we determine that we made a mistake, you\nwill not have to pay the amount in question or any\ninterest or other fees related to that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in\nquestion, you are responsible for the remainder of\nyour balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit\nlimit.\nYour Rights and Our Responsibilities After We Receive\nYour Written Notice\nWe must acknowledge your letter within 30 days, unless\nwe have corrected the error by then. Within 90 days, we\nmust either correct the error or explain why we believe the\nstatement was correct.\nAfter we receive your letter, we cannot try to collect any\namount you question or report you as delinquent. We can\ncontinue to bill you for the amount you question, including\ninterest, and we can apply any unpaid amount against your\ncredit limit. You do not have to pay any questioned amount\nwhile we are investigating, but you are still obligated to pay\nthe parts of your statement that are not in question.\nIf we find that we made a mistake on your statement, you\nwill not have to pay any interest related to any questioned\namount. If we did not make a mistake, you may have to pay\ninterest, and you will have to make up any missed payments\non the questioned amount. In either case, we will send you a\nstatement of the amount you owe and the date that it is due.\nIf you fail to pay the amount that we think you owe, we may\nreport you as delinquent. However, if our explanation does\nnot satisfy you and you write to us within ten days telling us\n16\n\n\x0cthat you still refuse to pay, we must tell anyone we report\nyou to that you have a question about your statement. And,\nwe must tell you the name of anyone we reported you to. We\nmust tell anyone we report you to that the matter has been\nsettled between us when it finally is.\nIf we do not follow these rules, we cannot collect the first\n$50 of the questioned amount, even if your statement was\ncorrect.\nYour Rights If You Are Dissatisfied With Your Credit Card\nPurchases\nIf you are dissatisfied with the goods or services that you\nhave purchased with your credit card and you have tried in\ngood faith to correct the problem with the merchant, you\nmay have the right not to pay the remaining amount due on\nthe purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state\nor within 100 miles of your current mailing address, and\nthe purchase price must have been no more than $50.\n(Note: Neither of these is necessary if your purchase was\nbased on an advertisement we mailed to you, or if we\nown the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or\nwith a check that accesses your credit card account do\nnot qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still\ndissatisfied with the purchase, contact us in writing at:\nCustomer Service\nPO Box 30495\nTampa FL 33630-3495\nWhile we investigate, the same rules apply to the\ndisputed amount as discussed above. After we finish our\ninvestigation, we will tell you our decision. At that point,\nif we think you owe an amount and you do not pay, we may\nreport you as delinquent.\n\nMasterCard and Visa Credit Cards are issued by Branch Banking\nand Trust Company, Member FDIC and Equal Housing Lender.\n\n17\n\n\x0cRev. 11/19\n\nI002804 - Standard Visa/MC\n\n\x0c'