b'The pricing addendum for the BB&T Spectrum Travel Rewards Retail Credit Card is accurate as of\nNovember 21, 2020\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nPrime Rate + 9.99%\n\nto Prime\n\nRate + 18.99%\n\nAPR for Balance\nTransfers\n\nPrime Rate + 9.99% to Prime Rate + 18.99%\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\nand Overdraft Advances Prime Rate + 18.99%\nThis 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\n$89\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.\nNone\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 \xe2\x80\x9cMoney\nRates\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 ends.\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'


b'The pricing addendum for the BB&T Spectrum Cash Rewards Retail Credit Card is accurate as of\nNovember 21, 2020\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nPrime Rate + 9.99%\n\nto Prime\n\nRate + 18.99%\n\nAPR for Balance\nTransfers\n\nPrime Rate + 9.99% to Prime Rate + 18.99%\nThis APR will vary with the market based on the Prime Rate.\n\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\nand Overdraft Advances Prime Rate + 18.99%\nThis 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 \xe2\x80\x9cMoney\nRates\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 ends.\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'