b'The pricing addendum for the BB&T Bright Secured Retail Credit Card is accurate as of Nov 21, 2020\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nPrime Rate + 13.99%\n\nAPR for Balance\nTransfers\n\nPrime Rate + 13.99%\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$19\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\nSECURITY AGREEMENT FOR SAVINGS\nACCOUNTS/SAVINGS INSTRUMENTS ..............3\nTERMS USED IN AGREEMENT......................4\nAGREEMENT BETWEEN BANK AND\nCARDHOLDER .............................................4\nARBITRATION AGREEMENT........................11\nTRUTH IN LENDING DISCLOSURES AND\nCOMPUTATION OF ANNUAL PERCENTAGE\nRATES/FEES.....................................................13\nYOUR BILLING RIGHTS..............................16\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\nCard (\xe2\x80\x9cCard\xe2\x80\x9d) previously issued, or to be issued, by Branch\nBanking and Trust Company (\xe2\x80\x9cBank\xe2\x80\x9d). This Agreement also\ngoverns the issuance and use of \xe2\x80\x9cConvenience Checks\xe2\x80\x9d\n(\xe2\x80\x9cConvenience Checks\xe2\x80\x9d), Balance Transfers, and the use of\nyour Cardholder Account to provide Overdraft Protection.\nSECURITY AGREEMENT FOR SECURED\nCREDIT CARD SAVINGS ACCOUNT\nUnder this Security Agreement, you hereby grant interest,\npledge, and assign collateral for your Secured Credit Card\nAccount (\xe2\x80\x9cAccount\xe2\x80\x9d). As a condition of opening this Account,\nyou must maintain funds as a security interest (\xe2\x80\x9cSecurity\nInterest\xe2\x80\x9d) in the Secured Credit Card Savings Account (\xe2\x80\x9cSecured\nSavings Account\xe2\x80\x9d) in your name with Branch Banking and\nTrust Company (\xe2\x80\x9cBank\xe2\x80\x9d) to be held as collateral. This Security\nInterest must be in an amount that is equal to the approved\ncredit limit before the Account may be opened. The Secured\nSavings Account opened at Bank used as the Security Interest\nhereunder shall be referred to hereinafter as the \xe2\x80\x9cSecured\nSavings Account\xe2\x80\x9d and the terms of this Security Agreement\nare incorporated by reference into the BB&T MasterCard/Visa\nConsumer Cardholder Agreement and the Interest Rate and\nInterest Charges document (\xe2\x80\x9cCardholder Agreement\xe2\x80\x9d).\nYou acknowledge and agree that the Security Interest, pledge,\nand assignment in the Secured Savings Account holding your\nfunds as collateral is to secure payment of all of your existing\nand future obligations under your Cardholder Agreement and your\nAccount. You grant the Bank an interest in all renewals, additions,\nproceeds, modifications, substitutions, and replacements of the\nSecured Savings Account. You also agree that the Security Interest,\npledge, and assignment gives the Bank the right to redeem,\ncollect, and withdraw any part or the full amount of the Secured\nSavings Account upon any default under the Cardholder Agreement\nor in the event your Account is terminated for any reason. This\nmeans that the Bank has exclusive control over the Secured\nSavings Account and, if the Account closes for any reason, the\nBank may immediately apply funds in the Secured Savings Account\nto pay off any balance on the Account without giving you prior\nnotice. These funds, however, are not held in trust for you.\nIf the Bank chooses not to, or otherwise fails to apply your funds in\nthe Secured Savings Account toward amounts owed on the Account\nor otherwise owed under your Cardholder Agreement, you agree that:\n(a) the Bank does not waive any right it has to do so at any later\ntime, and to the extent not prohibited by law, the Bank may apply\nsuch funds at any time, in its sole discretion; and (b) you are not\nexcused from performance or payment of any obligation owing with\nrespect to the Account or under your Cardholder Agreement.\nOnce the Account is opened, you will not be able to lower the\ncredit limit. However, you may choose to close your Account at any\ntime. If your Account is closed, the full amount of the Secured\nSavings Account may be applied to the outstanding balance.\nIf your Account is closed, your Secured Savings Account will be\nconverted into a Regular Savings Account.\n3\n\n\x0cThe funds held as collateral in the Secured Savings Account may\nnot be available for up to 30 business days following the payoff\nand closure of the Account. You are responsible for any amount due\nthat exceeds the Security Interest in the Secured Savings Account.\nYou acknowledge that the terms and conditions herein are\nin addition to the terms and conditions set forth by the Bank\nServices Agreement and the BB&T Personal Services Pricing\nGuide for your Secured Savings Account. If any provisions in this\nSecurity Agreement related to Security Interest shall conflict with\nany terms or provisions of any other agreement with Bank, the\nprovisions of this Security Agreement, as it relates to Security\nInterest, shall govern over any provisions in other agreements.\nYou also acknowledge receipt of the BB&T Corporation Consumer\nPrivacy Notice. Separate from these disclosures, you will\nreceive the Cardholder Agreement, which includes this Security\nAgreement for Secured Savings Accounts, with your credit card.\nTERMS USED IN AGREEMENT\nThe following words have the following meanings in this Agreement:\n(a) \xe2\x80\x9cCardholder\xe2\x80\x9d means any individual(s), firm, partnership,\nor corporation who applies for, signs, accepts, uses, retains, or\nauthorizes the use of the Card (hereinafter \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour\xe2\x80\x9d); (b)\n\xe2\x80\x9cCardholder Account\xe2\x80\x9d or \xe2\x80\x9cAccount\xe2\x80\x9d means the credit account or\naccounts established by Bank for Cardholder for all transactions\nunder this Agreement as a result of issuance of either a MasterCard\nCard or Visa Card; (c) \xe2\x80\x9cCash Advance\xe2\x80\x9d means a loan that\nCardholder obtains from Bank using any of the methods specified\nin this Agreement; (d) \xe2\x80\x9cPurchase\xe2\x80\x9d means a purchase of goods sold\nor services of any kind from a seller or provider of goods or services;\n(e) \xe2\x80\x9cMaximum Credit Limit\xe2\x80\x9d means the total dollar amount Bank\napproves against which the Cardholder may make Purchases\nthrough the use of Cards; (f) \xe2\x80\x9cCash Advance Limit\xe2\x80\x9d means that\nportion of the Maximum Credit Limit against which the Cardholder\nmay get Cash Advances through any of the methods specified in\nthis Agreement; (g) \xe2\x80\x9cMerchant\xe2\x80\x9d means a business displaying the\nMasterCard and/or Visa signs; (h) \xe2\x80\x9cOverdraft Protection\xe2\x80\x9d means a\nservice for qualified checking account clients of Bank\xe2\x80\x99s affiliated\nfinancial institutions, which protects your designated checking\naccounts from overdrafts and rejected items by making automatic\nCash Advances from your Cardholder Account.\nAGREEMENT BETWEEN BANK AND CARDHOLDER\nCardholder agrees to be bound by the following terms, conditions,\nand disclosures, which shall constitute the Agreement\nbetween Bank and Cardholder. By accepting and using the\nCard or a Convenience Check, or any feature of the Account,\nor by electronically agreeing to the terms of this Agreement,\nthe Cardholder expressly agrees to be bound by the provisions\nof this Agreement and to the rates and charges applicable to\nthe use of the Card, the Convenience Checks and any other\nfeature or transaction applicable to the Account. Cardholder\nacknowledges that this Account s to be used primarily for\npersonal, family and household purposes.\n\n4\n\n\x0cCOMMUNICATIONS 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\nsystems. You agree that Bank and our affiliates, agents,\nassignees and service providers may use any email address\nor any telephone number you provide, now or in the future,\nincluding a number for a cellular phone or other wireless\ndevice, regardless of whether you incur charges as a result.\nFor any wireless (cell phone) number you provide, you\nrepresent that you are the subscriber or are authorized\nto consent to these communications on behalf of the\nsubscriber. You agree that Bank may monitor and record any\ntelephone calls to assure the quality of our service or for\nother business reasons, and that you will advise us if your\ncontact 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 in\nthe ordinary course of business, and (iv) no paper version of the\nAuthoritative Copy will be executed, although you may print a copy\nof 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 to\nregular checking account checks. The only party authorized to\n5\n\n\x0csign a Convenience Check shall be the Cardholder regardless of\nwhether other individuals are authorized to receive extensions\nof credit under this Agreement. Other than Convenience Checks\nand personal checks drawn on a checking account for which\nCardholder has obtained Overdraft Protection, no other checks\nmay be used to obtain Cash Advances, and when paid by Bank\nthey will constitute a Cash Advance which will be debited to\nCardholder\xe2\x80\x99s account. Bank shall not be obligated to certify any\nConvenience Check issued under this Agreement. Convenience\nChecks may only be written in U.S. Dollars. Also, Bank shall not\nbe obligated to pay a Convenience Check if such payment will\noverextend Cardholder\xe2\x80\x99s credit limit or if Cardholder\xe2\x80\x99s account\nis not in good standing. A Convenience Check cannot be used\nto make a payment on your Cardholder Account.\n4. Cardholders who are also qualifying checking account clients\nmay elect to utilize their Cardholder Account to provide Overdraft\nProtection for one or more qualifying checking accounts. If you\nhave elected to use your Cardholder Account to provide Overdraft\nProtection, automatic Cash Advances will be made against the\nCredit Card Account to cover overdrafts in designated checking\naccounts. The presentation of any check signed by any person\nauthorized to draw checks upon any checking accounts for which\nyou have elected Overdraft Protection or the assessment of any\nother charges against the checking accounts in excess of the\nbalance in the checking accounts constitutes an authorization\nfor a Cash Advance to be made under this Agreement. We have\nthe sole discretion to determine whether to advance funds to the\nchecking accounts in the amount needed to cover each overdraft\namount item, up to the established Cash Advance Limit, to\npay checks, drafts, or any other charges when there is not a\nsufficient balance in the checking accounts at the time such\nchecks, drafts, or other charges are presented or made. Bank\nmay refuse to authorize any Cash Advance in connection with\nOverdraft Protection if the Cardholder Account is not in good\nstanding or if the Cash Advance would exceed the Cash Advance\nLimit. Bank 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 debt to\nBank greater than the credit limit set by Bank from time to time.\n6. Upon request, Cardholder may transfer outstanding balances from\nother credit cards to the Card (\xe2\x80\x9cBalance Transfer\xe2\x80\x9d). Cardholder\nhas 10 days from the date the Account was opened to call Bank\nat 1-800-476-4228 to cancel any Balance Transfers. Balance\nTransfer processing time may vary so please continue to pay the\nminimum amount due until the Balance Transfer amount appears\non the billing statement from your other creditor(s). All Balance\nTransfers will be posted to the Cardholder\xe2\x80\x99s Account as a Purchase,\nwith the Balance Transfers considered a part of the outstanding\nbalance from the date of the transfer. Bank may charge a Balance\nTransfer Fee. Please see the Interest Rate and Interest Charges\ndocument for any applicable Balance Transfer Fee.\n6\n\n\x0c7. 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\nrisk or if the performance by the client is deemed impaired.\n9. Bank may charge an annual fee to Cardholder\xe2\x80\x99s account, in\nadvance, whether or not the Card is used to obtain extensions\nof credit. The amount of the annual fee will be as specified from\ntime to time by notice or disclosure given by 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\n7\n\n\x0cadjustments for, or returns of, goods or services purchased. Any\nadjustment, return or refund in connection therewith shall be\naccomplished 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 events\noccur: (a) default by Cardholder in making any payment when\ndue and payable, (b) default by Cardholder under any provision\nof this Agreement, or any other agreement Borrower may have\nwith Bankcard or any of its affiliated banks (c) Cardholder\xe2\x80\x99s\ndeath, insolvency or making an assignment for the benefit\nof creditors, (d) a petition being filed or any other proceeding\nbeing commenced under the Federal Bankruptcy Code or any\nstate insolvency statute by or against Cardholder, or (e) a\nreceiver being appointed for, or a writ or order of attachment,\nlevy or garnishment being issued against Cardholder or any of\nCardholder\xe2\x80\x99s property, assets or income, (f) or in the event Bank\nshall deem itself or the debt unsafe or insecure or deems that\nthe prospect of payment or performance by customer is impaired,\n(g) or if any of the undersigned or any Obligor shall fail to\nfurnish information to Bank sufficient to verify the identity of the\nundersigned or any Obligor as required under the USA PATRIOT\nAct then, at Bank\xe2\x80\x99s option, all amounts from Cardholder to Bank\nshall become immediately due and payable and in any such\nevent Cardholder agrees to pay all costs of collection permitted\nby applicable law, including reasonable attorneys\xe2\x80\x99 fees, incurred\nby Bank in connection therewith.\n8\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 payment\nno later than the due date as indicated on the monthly periodic\nstatement provided by Bank. Bank may withhold availability of\ncredit until the payment of the item presented has been collected.\nIf Cardholder is late making the payment, Bank may, at its option,\ncharge the late payment fees as disclosed in paragraph 8 (b) of the\nTruth in Lending Disclosures, in addition to the Interest Cardholder\nowes under this 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 of\nyour 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 made\nto your Account in currency other than U.S. dollars. The conversion\nrate will be determined under Visa or MasterCard regulations.\nThe conversion rate may differ from the rate on the date of your\ntransaction. Currently, Visa and MasterCard use a currency\nconversion rate of either: (1) a wholesale market rate, or (2) a\ngovernment-mandated rate. Visa and MasterCard use, under their\nrespective regulations, either the rate in effect on (1) the date\nthe transaction is processed or (2) the day before the date the\ntransaction is processed. Bank may charge a foreign transaction\nfee for transactions made or processed outside the U.S. as listed\nin paragraph 8(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\nnew Purchases and Cash Advances and any unpaid\nbalance and accrued INTEREST at the time the change is\n9\n\n\x0ceffective. 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 any\ncheck, money order or other payment instrument marked \xe2\x80\x9cpayment\nin full\xe2\x80\x9d delivered on any disputed account, loan balance, fee or\nexpense owed, and Bank expressly reserves the right to reject all\nsuch payment instruments. All communications concerning any\ndisputed amounts owed, including without limitation any payment\ninstrument tendered in good faith as full satisfaction of amount\nowed, 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 satisfied,\nand shall be deemed not to have been in good faith, even if such\npayment instrument is inadvertently processed by Bank.\n27. Accuracy of Credit Information: Bank regularly and in the\nnormal course of business reports its credit experience with\nits customers to the major credit bureau repositories. Should\nyou believe that information we have reported about the credit\nhistory of your Account(s) is inaccurate, please notify us at\nthe following address: BB&T Loan Services, P.O. Box 1847,\nWilson, North Carolina 27893-1847. Please include your name,\naddress, Social Security number, account number and a specific\nexplanation of what information 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 your\ncredit reports for any legitimate purpose associated with the\naccount or the application or request for an account, including\nbut not limited to reviewing, modifying, renewing and collecting\non your account. On your request, you will be informed if such a\nreport was ordered. If so, you will be given the name and address\nof the consumer reporting agency furnishing the report. New York\nresidents may contact the state banking department to obtain a\ncomparative listing of credit card rates, fees and grace periods.\nNew York State Banking Department: 1-800-518-8866.\nOhio Residents: The Ohio laws against discrimination\nrequire that all creditors make credit equally available to all\ncreditworthy customers and that credit reporting agencies\nmaintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers\ncompliance with this law.\nUtah Residents: As required by Utah law, you are hereby\nnotified that a negative credit report reflecting on your\n10\n\n\x0ccredit 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 marital\nproperty agreement, unilateral statement, or court order\napplying to marital property will adversely affect a creditor\xe2\x80\x99s\ninterests unless prior to the time credit is granted, the\ncreditor is furnished with a copy of the agreement, statement\nor court order, or has actual knowledge 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 or\npromotional rates and fees for a specified period of time that\nwill be disclosed in your Interest Rate and Interest Charges\ndocument. If your Account is eligible, Bank may, from time\nto time, offer introductory or promotional rates and fees\nafter your Account is opened. The terms of that offer will\nbe disclosed to you at that time and may differ from any\nprior introductory or promotional offers. After introductory or\npromotional rates and fees expire, the remaining balances\nwill be subject to your standard applicable 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 to\nthe provisions of the Military Lending Act, 10 U.S.C. \xc2\xa7 987 and its\nimplementing 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 is\nfiled in any court and that arises out of or relates to this\nAgreement or Cardholder\xe2\x80\x99s application for a Card, or the breach,\ntermination, enforcement, interpretation or validity thereof,\nincluding the determination of the scope or applicability of\nthis agreement to arbitrate, shall be determined by arbitration\nbefore one arbitrator at a location mutually agreed upon in the\nstate where your account is maintained, or as may be otherwise\nrequired under the JAMS Minimum Consumer Standards, which\nis incorporated by reference herein. The arbitration shall be\nadministered by JAMS pursuant to its Streamlined Arbitration\nRules & Procedures. Judgment on an award may be entered in\nany court having jurisdiction. This clause shall not preclude\na party from seeking provisional remedies in aid of arbitration\nfrom a court of appropriate jurisdiction. The arbitrator may,\n11\n\n\x0cin its award, allocate all or part of the costs of the arbitration,\nincluding the fees of the arbitrator and the reasonable attorneys\xe2\x80\x99\nfees of the prevailing party. Notwithstanding other language in\nthis agreement, a party retains the right to bring an action in\nsmall claims court if it is within the jurisdictional limits of that\ncourt. If a party elects arbitration, it may be conducted as an\nindividual action only. This means that even if a demand for a\nclass action lawsuit, class arbitration, or other representative\naction (including a private attorney general action) is filed, the\nmatter will be subject to individual arbitration. Either party may\nbring a summary or expedited motion to compel arbitration or\nto stay 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 not\nbe construed as a waiver of the right to arbitration. If a party\nelects to arbitrate it shall provide notice to the other party. The\nBank shall provide notice to you at the address we have in our\nrecords, and you may provide notice to: Litigation Practice Group\nManager, BB&T Legal Department, P.O. Box 1255, WinstonSalem, NC 27102. You may obtain a copy of the rules of the\narbitration administrator, including information about consumer\narbitration, fees, and instructions for initiating arbitration by\ncontacting JAMS at www.jamsadr.com. Phone: 800-352-5267.\nYou and the Bank each agree that under this Agreement, you and\nthe Bank are participating in transactions involving interstate\ncommerce which shall be governed by the provisions of the\nFederal Arbitration Act, Title 9 of the United States Code (\xe2\x80\x9cFAA\xe2\x80\x9d)\nand not by any state law concerning arbitration. The arbitrator\nshall follow applicable substantive law to the extent consistent\nwith the FAA, applicable statutes of limitation and applicable\nprivilege rules, and shall be authorized to award all available\nremedies, including without limitation, damages (to the extent\nnot limited by this Agreement), declaratory, injunctive and other\nequitable relief, and attorneys\xe2\x80\x99 fees and costs. The arbitrator\nshall follow rules of procedure and evidence consistent with the\nFAA, this provision, and the administrator\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 pay\nthe cost of appeal, regardless of its outcome. However, we will\nconsider in good faith any reasonable written request for us to\nbear the cost of your appeal. We will pay any fees or expenses\nwe are required by law to pay or in order to make this arbitration\nprovision enforceable.\nThis arbitration provision shall survive termination or\nsuspension of the Account or this Agreement, and shall survive\npayment of Cardholder\xe2\x80\x99s obligations under this Agreement or\ntermination of any or all Cards. If any portion of this arbitration\nprovision is deemed invalid or unenforceable, it shall not\ninvalidate the remaining portions of this arbitration provision or\nAgreement; provided, however, if the limitations on class actions\nare struck in a proceeding brought on a class, representative\nor private attorney general basis, without impairing the right\n12\n\n\x0cto appeal such decision, this entire arbitration provision (other\nthan this proviso) shall be null and void in such proceeding.\nTRUTH IN LENDING DISCLOSURES AND COMPUTATION OF\nANNUAL PERCENTAGE RATES/FEES\nBranch Banking and Trust Company (hereinafter \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d\nand \xe2\x80\x9cus\xe2\x80\x9d) makes the following Truth in Lending Disclosures\nto Cardholder (hereinafter \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour\xe2\x80\x9d). You agree that\nthe rate and charges and methods of computation and\nrepayment in connection with use of the Card 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 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 in full\nwithin 25 days (or when the new balance includes Balance\nTransfers), INTEREST will be imposed on your Purchase balance.\nWe calculate INTEREST on this portion of your Account by\napplying the daily periodic rate to the beginning daily balance\nfor Purchases plus any new Purchases and fees (other than Cash\nAdvance fees) and less any payments or credits. To compute\nthe daily balance for Purchases we take the beginning Purchase\nbalance of your account each day, add any new Purchases, fees\n(other than Cash Advance fees) and any INTEREST on the current\nday\xe2\x80\x99s balance, and we subtract any payments or credits. This gives\nus the daily balance. A Purchase appearing on your statement is\nconsidered a part of the outstanding balance from the date of the\ntransaction or, if posting occurs in the next billing cycle, then from\nthe first day of the next billing cycle.\n(c) See the Interest Rate and Interest Charges document included\nwith this mailing for the ANNUAL PERCENTAGE RATE. The daily\nperiodic rate is the annual percentage rate divided 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 cycle.\nWe calculate the INTEREST on this portion of your Account by\napplying the daily periodic rate to the beginning daily balance\nfor Cash Advances plus any new Cash Advances and Cash\nAdvance fees and less any payments or credits. To compute the\ndaily balance for Cash Advances we take the beginning Cash\nAdvance balance of your account each day, add any new Cash\nAdvances, any Cash Advance fees and any INTEREST on the\ncurrent day\xe2\x80\x99s balance, and we subtract any payments or credits.\nThis gives us the daily balance. A Cash Advance appearing on\nyour statement is considered a part of the outstanding balance\nfrom the date of the transaction or, if posting occurs in the next\nbilling cycle, then from the first day of the next billing cycle.\n(c) See the Interest Rate and Interest Charges document included\nwith this mailing for the ANNUAL PERCENTAGE RATE. The daily\nperiodic rate is the annual percentage rate divided 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\n13\n\n\x0cstatement 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 and,\nif used, will be posted to the account as Purchases, with\nINTEREST 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 Charges\ndocument included with this mailing and incorporated by\nreference for the special introductory ANNUAL PERCENTAGE\nRATE. The special introductory daily periodic rate is the\nspecial annual percentage rate divided by 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 in full\nwithin 25 days (or includes Balance Transfers), INTEREST will\nbe imposed on your Purchase balance. We calculate INTEREST\non this portion of your Account by applying the monthly periodic\nrate to the Average Daily Purchase Balance. To determine the\nAverage Daily Purchase Balance of any account, we will take\nthe beginning Purchase balance of the account each day, add\nany new Purchases (including Balance Transfers) and Fees\n(except Cash Advance fees), and subtract any payment or\ncredits. This produces the daily Purchase balance. Then, we\nadd up the daily Purchase balances for each day in the billing\ncycle and 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\na 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 RATE.\nThe monthly periodic rate is 1/12 of the annual percentage 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 your\nAccount by applying the monthly periodic rate to Average Monthly\nCash Advance Balance. To determine the Average Daily Cash\nAdvance Balance of any account (including current transactions),\nwe will take the beginning Cash Advance Balances of the account\neach day, add new Cash Advances and Cash Advance fees and\nsubtract any payments or credits. This produces the daily Cash\nAdvances balance. Then, we add up the daily balances for each\nday in the billing cycle and divide the total by the number of\ndays in the billing cycle. This produces the Average Daily Cash\nAdvance balance. A Cash Advance appearing on your statement is\nconsidered a part of the outstanding balance from the date of the\n14\n\n\x0ctransaction or, if posting occurs in the next billing cycle, then from\nthe 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.\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 Charges\ndocument included with this mailing and incorporated by\nreference for the special introductory ANNUAL PERCENTAGE\nRATE. The special introductory monthly periodic rate is\n1/12 of the special annual percentage rate.\n7. Minimum INTEREST: See the Interest Rate and Interest\nCharges document included with this mailing and\nincorporated by reference for the minimum INTEREST charge.\n8. Fees and Charges: These fees will be subject to the applicable\nINTEREST as provided in paragraphs 1, 2, 4 and 5 above.\n(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 Charges\ndocument included with this mailing and incorporated by reference\nfor 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.\n15\n\n\x0c10. You will not be liable for any unauthorized use of your Card or\nConvenience Checks if you report the loss, theft or unauthorized\nuse. Written notice should be provided to Branch Banking and\nTrust Company, P.O. Box 698, Wilson, North Carolina 27894-0698.\nVerbal notice should be given by calling 1-800-476-4228. A\ntransaction is considered unauthorized if it is initiated by someone\nother than the Cardholder without the Cardholder\xe2\x80\x99s actual, implied,\nor apparent authority, and the Cardholder receives no benefit\nfrom the transaction. We may conduct an investigation of your\nclaim, and we may deny your claim if we reasonably conclude\nthat the facts and circumstances do not reasonably support a\nclaim of unauthorized use. We may require you to provide a written\nstatement, affidavit or other information in support of your claim\nof unauthorized use. If you do not provide supporting information\nwithin the time requested or within a reasonable period of time if a\ndate is not 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\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number;\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\nstatement, and we may continue to charge you\ninterest on that amount. If we determine that we\nmade a mistake, you will not have to pay the amount\nin question or any interest or other fees related to\nthat amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question,\nyou are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n16\n\n\x0cYour Rights and Our Responsibilities After We Receive\nYour Written Notice\nWe must acknowledge your letter within 30 days, unless we have\ncorrected the error by then. Within 90 days, we must either correct\nthe error or explain why we believe the statement 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 report\nyou as delinquent. However, if our explanation does not satisfy\nyou and you write to us within ten days telling us that you still\nrefuse to pay, we must tell anyone we report you to that you have\na question about your statement. And, we must tell you the name\nof anyone we reported you to. We must tell anyone we report you\nto that the matter has been settled between us when it finally is.\nIf we do not follow these rules, we cannot collect the first $50\nof the questioned amount, even if your statement was correct.\nYour Rights If You Are Dissatisfied With Your Credit Card\nPurchases\nIf you are dissatisfied with the goods or services that you have\npurchased with your credit card and you have tried in good faith\nto correct the problem with the merchant, you may have the\nright not to pay the remaining amount due on the 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\n\n17\n\n\x0cWhile 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.\nMasterCard and Visa Credit Cards are issued by Branch Banking\nand Trust Company, Member FDIC and Equal Housing Lender.\n\nRev. 11/19\n\nI002805 - Secure Card\n\n\x0c'


b'The pricing addendum for the BB&T Spectrum Cash Rewards Signature Retail Credit Card is accurate as of\nDecember 18, 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\x0cVISA\xc2\xae SIGNATURE 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\nVISA CONSUMER CARDHOLDER AGREEMENT AND\nTRUTH IN LENDING DISCLOSURES .......................3\nTERMS USED IN AGREEMENT......................3\nAGREEMENT BETWEEN BANK AND\nCARDHOLDER .............................................3\nARBITRATION AGREEMENT........................ 11\nTRUTH IN LENDING DISCLOSURES AND\nCOMPUTATION OF ANNUAL PERCENTAGE\nRATES/FEES.....................................................13\nYOUR BILLING RIGHTS..............................15\n\n2\n\n\x0cVISA\xc2\xae CONSUMER CARDHOLDER\nAGREEMENT AND TRUTH IN LENDING\nDISCLOSURES\nThis Cardholder Agreement and Truth in Lending Disclosures\n(\xe2\x80\x9cAgreement\xe2\x80\x9d) applies to any Visa Card (\xe2\x80\x9cCard\xe2\x80\x9d) previously\nissued, or to be issued, by Branch Banking and Trust\nCompany (\xe2\x80\x9cBank\xe2\x80\x9d). This Agreement also governs the\nissuance 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,\nuses, retains, or authorizes the use of the Card (hereinafter\n\xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour\xe2\x80\x9d); (b) \xe2\x80\x9cCardholder Account\xe2\x80\x9d or \xe2\x80\x9cAccount\xe2\x80\x9d means\nthe credit account or accounts established by Bank for\nCardholder for all transactions under this Agreement as a\nresult of issuance of a Visa Card; (c) \xe2\x80\x9cCash Advance\xe2\x80\x9d means\na loan that Cardholder obtains from Bank using any of the\nmethods 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 Revolving\nCredit Line\xe2\x80\x9d means the total dollar amount Bank approves to\nrevolve against which the Cardholder may get Cash Advances\nor make Purchases through the use of Cards or Convenience\nChecks; (f) \xe2\x80\x9cMerchant\xe2\x80\x9d means a business displaying the Visa\nsign; (g) \xe2\x80\x9cOverdraft Protection\xe2\x80\x9d means a service for qualified\nchecking account clients of Bank\xe2\x80\x99s affiliated financial\ninstitutions, which protects your designated checking\naccounts from overdrafts and rejected items by making\nautomatic Cash Advances 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\n3\n\n\x0ccalling methods, prerecorded or artificial voice messages,\ntext messages, emails and/or automatic telephone dialing\nsystems. 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)\nthis Agreement is an electronic contract executed by you\nusing your electronic signature, (ii) your electronic signature\nsignifies your intent to enter into this Agreement and that\nthis Agreement be legally valid and enforceable according to\nits terms, (iii) that the authoritative copy of this Agreement\n(\xe2\x80\x9cAuthoritative Copy\xe2\x80\x9d) will be the electronic record of this\nAgreement that is stored in a document management system\ndesignated by us for the storage of authoritative copies of\nelectronic records produced and used in the ordinary course\nof business, and (iv) no paper version of the Authoritative\nCopy will be executed, although you may print a copy of the\nAgreement 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\nCard, buy goods and services from businesses displaying\nthe MasterCard and/or Visa signs. A business displaying\nany of the above signs shall be hereinafter referred to as\nMerchant. Cardholder may also use the Card to borrow\ncash from any bank displaying the appropriate sign. The\nCard must be signed to insure proper use. The Card is not\nvalid unless signed by the Cardholder. Cardholder must\nfollow any reasonable and proper procedures required by a\nbank or Merchant honoring the Card.\n3. Cardholder may utilize Convenience Checks as he would\nchecks written on a regular checking account. Bank\nwill honor a properly signed Convenience Check, which\nshall be deemed to be signed written authorization for\na Cash Advance. Any Convenience Checks delivered to\nCardholder will be similar to regular checking account\nchecks. The only party authorized to sign a Convenience\n4\n\n\x0cCheck shall be the Cardholder regardless of whether other\nindividuals are authorized to receive extensions of credit\nunder this Agreement. Other than Convenience Checks\nand personal checks drawn on a checking account for\nwhich Cardholder has obtained Overdraft Protection, no\nother checks may be used to obtain Cash Advances, and\nwhen paid by Bank they will constitute a Cash Advance\nwhich will be debited to Cardholder\xe2\x80\x99s account. Bank shall\nnot be obligated to certify any Convenience Check issued\nunder this Agreement. Convenience Checks may only be\nwritten in U.S. Dollars. Also, Bank shall not be obligated to\npay a Convenience Check if such payment will overextend\nCardholder\xe2\x80\x99s credit limit or if Cardholder\xe2\x80\x99s account is not\nin good standing. A Convenience Check cannot be used to\nmake a payment on your Cardholder Account.\n4. Cardholders who are also qualifying checking account\nclients may elect to utilize their Cardholder Account to\nprovide Overdraft Protection for one or more qualifying\nchecking accounts. If you have elected to use your\nCardholder Account to provide Overdraft Protection,\nautomatic Cash Advances will be made against the\nCredit Card Account to cover overdrafts in designated\nchecking accounts. The presentation of any check signed\nby any person authorized to draw checks upon any\nchecking accounts for which you have elected Overdraft\nProtection or the assessment of any other charges against\nthe checking accounts in excess of the balance in the\nchecking accounts constitutes an authorization for a Cash\nAdvance to be made under this Agreement. We have the\nsole discretion to determine whether to advance funds\nto the checking accounts in the amount needed to cover\neach overdraft amount item, up to the established Cash\nAdvance Limit, to pay checks, drafts, or any other charges\nwhen there is not a sufficient balance in the checking\naccounts at the time such checks, drafts, or other charges\nare presented or made. Bank may refuse to authorize any\nCash Advance in connection with Overdraft Protection if\nthe Cardholder Account is not in good standing or if the\nCash Advance would exceed the Cash Advance Limit. Bank\nis not liable for any returned items or NSF fees. The terms\nand conditions governing your checking accounts and the\nfees (including any fees charged for Overdraft Protection)\nassociated with your checking accounts are contained in\nthe Bank Services Agreement and the Financial Services\nPricing Guide 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\n5\n\n\x0ctime may vary so please continue to pay the minimum\namount due until the Balance Transfer amount appears\non the billing statement from your other creditor(s). All\nBalance Transfers will be posted to the Cardholder\xe2\x80\x99s\nAccount as a Purchase, with the Balance Transfers\nconsidered a part of the outstanding balance from the\ndate of the transfer. Bank may charge a Balance Transfer\nFee. Please see the Interest Rate and Interest Charges\ndocument for any applicable Balance 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\nrisk 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.\n11. The following transactions are considered Cash Advances:\nrequesting cash in person at any bank; making a credit\ntransaction at participating ATM network machines;\nmaking a credit transaction through online banking;\nfunding a wire transfer; purchasing of money orders,\ntravelers checks, lottery tickets, betting or casino chips,\nor cryptocurrency; writing a Convenience Check; making\na credit transaction by using BB&T Phone24; or utilizing\nOverdraft Protection. A Cash Advance fee will not be\ncharged on Cash Advances made in connection with\nOverdraft Protection. Fees may apply for other types of\ncash advances as listed in paragraph 5(d) of the Truth in\nLending Disclosures. At the time of obtaining each Cash\nAdvance (other than at an ATM machine) or at the time of\nmaking each purchase or credit transaction, Cardholder or\nhis authorized user, shall sign a Cash Advance slip, sales\nslip, or by any other method Bank may approve from time\nto time, evidencing the transaction. The word \xe2\x80\x9cslip\xe2\x80\x9d shall\ninclude a draft or any other instrument acknowledging or\nrecognizing the transaction. Cardholder shall be furnished\none copy of each slip signed by the Cardholder; provided,\nhowever, that no such copy will be furnished if Cardholder\nwrites a Convenience Check, writes a personal check(s)\ntriggering Overdraft Protection or makes or receives a credit\ntransaction at an ATM machine or through online banking\nor Phone24. Total Cash Advance limits and daily Cash\nlimits 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\n6\n\n\x0csuch 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 7 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\nany Merchant even though Bank may become obligated to\nmake disbursements directly to such Merchant. No cash\nrefunds will be made to, or accepted by, a Cardholder with\nrespect to any adjustments for, or returns of, goods or\nservices purchased. Any adjustment, return or refund in\nconnection therewith shall be accomplished only by credit\nto the Cardholder\xe2\x80\x99s account with Bank authorized by a\nproperly 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\nby Bank, for amounts becoming due through use of\nCardholder\xe2\x80\x99s Card, Convenience Checks or Overdraft\nProtection. Upon receipt, Cardholder should examine each\nstatement and immediately notify Bank of any charge or\nitem, which Cardholder believes to be in error, or subject\nto dispute. Any charge or item as to which Bank is not\nnotified within sixty (60) days after billing date shall be\nconclusively deemed to be correct.\n18. If you disagree with a transaction on your statement\nor have a dispute with the Merchant as a result of\nthe transaction, you agree to provide information or\nassistance we request. Otherwise, you agree to pay us\nfor any resulting loss we have unless we are prohibited\nby applicable law from holding you liable for our loss.\nTransactions made with the proceeds of a Cash Advance\nare 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\n7\n\n\x0cevents 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.\n20. If Cardholder chooses to pay less than the total new\nbalance as shown on Cardholder\xe2\x80\x99s monthly periodic\nstatement, a total minimum payment is required for each\nbilling cycle. The total minimum payment is calculated\nas the greater of the following: (1) 1% of your total new\nbalance plus interest and select fees, but not less than\n$27.00; or (2) 1% of your total new balance plus interest,\nselect fees, and the higher of past due amount or any\namount over credit limit. Select fees, as referenced\nabove, include Late Payment Fees, Statement Copy\nFees, 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\nitem presented has been collected. If Cardholder is late\nmaking the payment, Bank may, at its option, charge the\nlate payment fees as disclosed in paragraph 5 (b) of the\nTruth in Lending Disclosures, in addition to the Interest\nCardholder owes under this 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.\n8\n\n\x0c23. Any notice required to be given by this Agreement, by\nlaw, or desired to be given by Bank, shall be deemed\neffectively given if and when posted in the United States\nmail addressed to you at your billing or last known address\non Bank\xe2\x80\x99s records, or delivered electronically through BB&T\nonline banking, or delivered by email, if legally permitted,\nto the address you have provided. Cardholder agrees to\npromptly notify Bank if any of your contact information\nchanges, which may include your name, mailing address,\nemail address, or phone numbers.\n24. Foreign Transactions and Fees: Visa or MasterCard\nInternational will convert to U.S. dollars any charge or\ncredit made to your Account in currency other than U.S.\ndollars. The conversion rate will be determined under Visa\nor MasterCard regulations. The conversion rate may differ\nfrom the rate on the date of your transaction. Currently,\nVisa and MasterCard use a currency conversion rate of\neither: (1) a wholesale market rate, or (2) a governmentmandated rate. Visa and MasterCard use, under their\nrespective regulations, either the rate in effect on (1) the\ndate the transaction is processed or (2) the day before\nthe date the transaction is processed. Bank may charge a\nforeign transaction fee for transactions made or processed\noutside the U.S. as listed in paragraph 5(e) of the Truth in\nLending Disclosures.\n25. Change In Terms: Bank may change the terms of this\nAgreement at any time. The new terms will apply to both\nnew 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:\nBankcard 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\npay any disputed amount due hereunder in full, to the\naddress designated above, the obligation referred to will\nnot be satisfied, and shall be deemed not to have been in\ngood faith, 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.\n9\n\n\x0cShould you believe that information we have reported\nabout the credit history of your Account(s) is inaccurate,\nplease notify us at the following address: BB&T Loan\nServices, P.O. Box 1847, Wilson, North Carolina 278931847. Please include your name, address, Social Security\nnumber, account number and a specific explanation of\nwhat information you believe to be inaccurate.\n28. Notice of Furnishing Negative Information: We may\nreport information about your account to the Credit Bureau.\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\nany time your credit reports for any legitimate purpose\nassociated with the account or the application or request\nfor an account, including but not limited to reviewing,\nmodifying, renewing and collecting on your account. On\nyour request, you will be informed if such a report was\nordered. If so, you will be given the name and address of\nthe consumer reporting agency furnishing the report. New\nYork residents may contact the state banking department\nto obtain a comparative listing of credit card rates, fees\nand grace periods. New York State Banking Department:\n1-800-518-8866.\nOhio Residents: The Ohio laws against discrimination\nrequire that all creditors make credit equally available\nto 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\n10\n\n\x0cthat 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\nHAVE TO LITIGATE THE CLAIMS IN A COURT OR BEFORE A\nJURY. YOU ARE WAIVING YOUR RIGHT TO PARTICIPATE IN A\nCLASS ACTION LAWSUIT, CLASS ACTION ARBITRATION, OR\nOTHER REPRESENTATIVE ACTION WITH RESPECT TO SUCH\nCLAIMS.\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,\nor the breach, termination, enforcement, interpretation\nor validity thereof, including the determination of the\nscope or applicability of this agreement to arbitrate, shall\nbe determined by arbitration before one arbitrator at a\nlocation mutually agreed upon in the state where your\naccount is maintained, or as may be otherwise required\nunder the JAMS Minimum Consumer Standards, which is\nincorporated by reference herein. The arbitration shall\nbe administered by JAMS pursuant to its Streamlined\nArbitration Rules & Procedures. Judgment on an award\nmay be entered in any court having jurisdiction. This\nclause shall not preclude a party from seeking provisional\nremedies in aid of arbitration from a court of appropriate\njurisdiction. The arbitrator may, in its award, allocate\nall or part of the costs of the arbitration, including the\nfees of the arbitrator and the reasonable attorneys\xe2\x80\x99 fees\nof the prevailing party. Notwithstanding other language\nin this agreement, a party retains the right to bring an\naction in small claims court if it is within the jurisdictional\nlimits of that court. If a party elects arbitration, it may\nbe conducted as an individual action only. This means\nthat even if a demand for a class action lawsuit, class\n11\n\n\x0carbitration, or other representative action (including a\nprivate attorney general action) is filed, the matter will be\nsubject to individual arbitration. Either party may bring\na summary or expedited motion to compel arbitration or\nto stay the applicable litigation of a dispute in any court.\nSuch motion may be brought at any time, and the failure\nto initiate or request arbitration at the beginning of\nlitigation shall not be construed as a waiver of the right\nto arbitration. If a party elects to arbitrate it shall provide\nnotice to the other party. The Bank shall provide notice\nto you at the address we have in our records, and you\nmay provide notice to: Litigation Practice Group Manager,\nBB&T Legal Department, P.O. Box 1255, Winston-Salem,\nNC 27102. You may obtain a copy of the rules of the\narbitration administrator, including information about\nconsumer arbitration, fees, and instructions for initiating\narbitration by contacting JAMS at www.jamsadr.com.\nPhone: 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\nand evidence consistent with the FAA, this provision, and\nthe administrator\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\nrequest 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;\nprovided, however, if the limitations on class actions are\n12\n\n\x0cstruck in a proceeding brought on a class, representative\nor private attorney general basis, without impairing the\nright to appeal such decision, this entire arbitration\nprovision (other than this proviso) shall be null and void in\nsuch 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:\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:\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\ncycle. 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\n13\n\n\x0cfees 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:\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\nmonthly statement the balance to which the special\noffers apply. These separate balances and the related\nperiodic INTEREST will be calculated in the same manner\nas described above for the current or previous cycle\ntransactions, 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 Charges\ndocument included with this mailing for the special\nintroductory ANNUAL PERCENTAGE RATE. The special\nintroductory daily periodic rate is the special annual\npercentage rate divided by 365.\n4. Minimum INTEREST: See the Interest Rate and Interest\nCharges document included with this mailing and\nincorporated by reference for the minimum INTEREST\ncharge.\n5. Fees and Charges: These fees will be subject to the applicable\nINTEREST as provided in paragraphs 1 and 2 above.\n(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.\n14\n\n\x0c(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\nInterest Rate and Interest Charges document included with\nthis mailing and incorporated by reference for customer\nrequested expedited service fee.\n6. We retain no security interest in any property purchased\nwith your Card.\n7. 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 use.\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\nIn 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.\n15\n\n\x0cYou 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 question,\nyou are responsible for the remainder of your 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\npay interest, and you will have to make up any missed\npayments on the questioned amount. In either case, we will\nsend you a statement of the amount you owe and the date\nthat it is due.\nIf you fail to pay the amount that we think you owe, we\nmay report you as delinquent. However, if our explanation\ndoes not satisfy you and you write to us within ten days\ntelling us that you still refuse to pay, we must tell anyone\nwe report you to that you have a question about your\nstatement. And, we must tell you the name of anyone we\nreported you to. We must tell anyone we report you to that\nthe matter has been settled between us when it finally is.\nIf we do not follow these rules, we cannot collect the first $50\nof the questioned amount, even if your statement was correct.\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\n16\n\n\x0cgood 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\nCredit Cards are issued by Branch Banking and Trust\nCompany, Member FDIC and Equal Housing Lender.\n\n17\n\n\x0cRev. 11/19\n\nI002803 - Signature\n\n\x0c'