The pricing addendum for the BB&T Spectrum Cash Rewards Signature Retail Credit Card is accurate as of
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for Purchases Prime Rate + 9.99% to Prime Rate + 18.99% 
This APR will vary with the market based on the Prime Rate.  
APR for Balance 
Transfers  Prime Rate + 9.99% to Prime Rate + 18.99% 
This APR will vary with the market based on the Prime Rate.  
APR for Cash Advances 
and Overdraft Advances Prime Rate + 18.99% 
This APR will vary with the market based on the Prime Rate.  
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will 
begin charging Interest on Cash Advances and Balance Transfers on t he transaction date.  
Minimum Interest 
Charge  �None
Fees  
Annual Fee  �None
Transaction Fees  
�Balance Transfer
�Cash Advance
�Foreign Transaction�$10.00 or 3% of the amount of the transfer, whichever is greater.
�$10.00 or 3% of the amount of the transfer, whichever is greater.
�3% of the transaction after conversion to US dollars.
Penalty Fees  
�Late Payment
�Over-the-Credit Limit
�Returned Payment�Up to $38
�None
�None
How We Will Calculate Your Balance: We use a method called �average daily balance� (including new transactions). Prime Rate: The Prime Rate used to determine your APR is a variable rate and is the highest prime rate published in the �Money Rates� 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.  
Branch Bank
ing and Trus t Company, a s ubs idiary of BB&T Corporation, now Truis t Bank , Member FDIC. �2020 Truis t Financial Corporation. BB&T�, the BB& T logo, and Truis t are s ervice mark s  of Truis t Financial Corporation. All rights  res erved.   VISA�SIGNATURE CONSUMERCARDHOLDER AGREEMENT ANDTRUTH IN LENDING DISCLOSURES
Important: Please read this folderand retain it for your records. 2TABLE OF CONTENTS
VISA CONSUMER CARDHOLDER AGREEMENT ANDTRUTH IN LENDING DISCLOSURES .......................3TERMS USED IN AGREEMENT......................3AGREEMENT BETWEEN BANK ANDCARDHOLDER.............................................3ARBITRATION AGREEMENT........................ 11TRUTH IN LENDING DISCLOSURES ANDCOMPUTATION OF ANNUAL PERCENTAGERATES/FEES.....................................................13YOUR BILLING RIGHTS..............................15 VISA� CONSUMER CARDHOLDERAGREEMENT AND TRUTH IN LENDINGDISCLOSURESThis Cardholder Agreement and Truth in Lending Disclosures(�Agreement�) applies to any Visa Card (�Card�) previouslyissued, or to be issued, by Branch Banking and TrustCompany (�Bank�). This Agreement also governs theissuance and use of �Convenience Checks� (�ConvenienceChecks�), Balance Transfers, and the use of your CardholderAccount to provide Overdraft Protection.TERMS USED IN AGREEMENTThe following words have the following meanings in thisAgreement: (a) �Cardholder� means any individual(s), firm,partnership, or corporation who applies for, signs, accepts,uses, retains, or authorizes the use of the Card (hereinafter�you,� �your�); (b) �Cardholder Account� or �Account� meansthe credit account or accounts established by Bank forCardholder for all transactions under this Agreement as aresult of issuance of a Visa Card; (c) �Cash Advance� meansa loan that Cardholder obtains from Bank using any of themethods specified in this Agreement; (d) �Purchase� meansa purchase of goods sold or services of any kind from a selleror provider of goods or services; (e) �Maximum RevolvingCredit Line� means the total dollar amount Bank approves torevolve against which the Cardholder may get Cash Advancesor make Purchases through the use of Cards or ConvenienceChecks; (f) �Merchant� means a business displaying the Visasign; (g) �Overdraft Protection� means a service for qualifiedchecking account clients of Bank�s affiliated financialinstitutions, which protects your designated checkingaccounts from overdrafts and rejected items by makingautomatic Cash Advances from your Cardholder Account.AGREEMENT BETWEEN BANK AND CARDHOLDERCardholder agrees to be bound by the following terms,conditions, and disclosures, which shall constitute theAgreement between Bank and Cardholder. By acceptingand using the Card or a Convenience Check, or any featureof the Account, or by electronically agreeing to the termsof this Agreement, the Cardholder expressly agrees tobe bound by the provisions of this Agreement and to therates and charges applicable to the use of the Card, theConvenience Checks and any other feature or transactionapplicable to the Account.  Cardholder acknowledges thatthis Account s to be used primarily for personal, family andhousehold purposes.COMMUNICATIONS CONSENTYou expressly consent and agree that Bank and ouraffiliates, agents, assignees and service providers may usewritten, electronic or verbal means to contact you. Thisconsent includes, but is not limited to, contact by manual
3 calling methods, prerecorded or artificial voice messages,text messages, emails and/or automatic telephone dialingsystems. You agree that Bank and our affiliates, agents,assignees and service providers may use any emailaddress or any telephone number you provide, now orin the future, including a number for a cellular phone orother wireless device, regardless of whether you incurcharges as a result. For any wireless (cell phone) numberyou provide, you represent that you are the subscriber orare authorized to consent to these communications onbehalf of the subscriber. You agree that Bank may monitorand record any telephone calls to assure the quality of ourservice or for other business reasons, and that you willadvise us if your contact information changes.ELECTRONIC CONTRACTINGYou agree that if you applied for your Card online, that: (i)this Agreement is an electronic contract executed by youusing your electronic signature, (ii) your electronic signaturesignifies your intent to enter into this Agreement and thatthis Agreement be legally valid and enforceable according toits terms, (iii) that the authoritative copy of this Agreement(�Authoritative Copy�) will be the electronic record of thisAgreement that is stored in a document management systemdesignated by us for the storage of authoritative copies ofelectronic records produced and used in the ordinary courseof business, and (iv) no paper version of the AuthoritativeCopy will be executed, although you may print a copy of theAgreement for your own records.1.
Bank may refuse to issue the Card, or may revoke the Cardissued to Cardholder, with or without cause or notice. Anyrevoked Card, along with any Convenience Checks, mustbe surrendered upon demand or upon knowledge of itsrevocation, to Bank or its agent designated to repossess theCard. No expired or revoked Card or Convenience Checksshall be used to obtain, or to attempt to obtain, credit.
2. Under the terms hereof Cardholder may, by use of theCard, buy goods and services from businesses displayingthe MasterCard and/or Visa signs. A business displayingany of the above signs shall be hereinafter referred to asMerchant. Cardholder may also use the Card to borrowcash from any bank displaying the appropriate sign. TheCard must be signed to insure proper use. The Card is notvalid unless signed by the Cardholder. Cardholder mustfollow any reasonable and proper procedures required by abank or Merchant honoring the Card.3. Cardholder may utilize Convenience Checks as he wouldchecks written on a regular checking account. Bankwill honor a properly signed Convenience Check, whichshall be deemed to be signed written authorization fora Cash Advance. Any Convenience Checks delivered toCardholder will be similar to regular checking accountchecks. The only party authorized to sign a Convenience
4 Check shall be the Cardholder regardless of whether otherindividuals are authorized to receive extensions of creditunder this Agreement. Other than Convenience Checksand personal checks drawn on a checking account forwhich Cardholder has obtained Overdraft Protection, noother checks may be used to obtain Cash Advances, andwhen paid by Bank they will constitute a Cash Advancewhich will be debited to Cardholder�s account. Bank shallnot be obligated to certify any Convenience Check issuedunder this Agreement. Convenience Checks may only bewritten in U.S. Dollars. Also, Bank shall not be obligated topay a Convenience Check if such payment will overextendCardholder�s credit limit or if Cardholder�s account is notin good standing. A Convenience Check cannot be used tomake a payment on your Cardholder Account.4. Cardholders who are also qualifying checking accountclients may elect to utilize their Cardholder Account toprovide Overdraft Protection for one or more qualifyingchecking accounts. If you have elected to use yourCardholder Account to provide Overdraft Protection,automatic Cash Advances will be made against theCredit Card Account to cover overdrafts in designatedchecking accounts. The presentation of any check signedby any person authorized to draw checks upon anychecking accounts for which you have elected OverdraftProtection or the assessment of any other charges againstthe checking accounts in excess of the balance in thechecking accounts constitutes an authorization for a CashAdvance to be made under this Agreement. We have thesole discretion to determine whether to advance fundsto the checking accounts in the amount needed to covereach overdraft amount item, up to the established CashAdvance Limit, to pay checks, drafts, or any other chargeswhen there is not a sufficient balance in the checkingaccounts at the time such checks, drafts, or other chargesare presented or made. Bank may refuse to authorize anyCash Advance in connection with Overdraft Protection ifthe Cardholder Account is not in good standing or if theCash Advance would exceed the Cash Advance Limit. Bankis not liable for any returned items or NSF fees. The termsand conditions governing your checking accounts and thefees (including any fees charged for Overdraft Protection)associated with your checking accounts are contained inthe Bank Services Agreement and the Financial ServicesPricing Guide which are incorporated herein by reference.5. Cardholder shall not use the Card, Convenience Checks orOverdraft Protection if such use would make Cardholder�sdebt to Bank greater than the credit limit set by Bank fromtime to time.6. Upon request, Cardholder may transfer outstandingbalances from other credit cards to the Card (�BalanceTransfer�). Cardholder has 10 days from the date theAccount was opened to call Bank at 1-800-476-4228 tocancel any Balance Transfers. Balance Transfer processing
5 time may vary so please continue to pay the minimumamount due until the Balance Transfer amount appearson the billing statement from your other creditor(s). AllBalance Transfers will be posted to the Cardholder�sAccount as a Purchase, with the Balance Transfersconsidered a part of the outstanding balance from thedate of the transfer. Bank may charge a Balance TransferFee. Please see the Interest Rate and Interest Chargesdocument for any applicable Balance Transfer Fee.7. The Bank at its discretion may from time to time increasethe credit limit of the cardholder.8.
The Bank may at anytime decrease the credit limit of thecardholder if the Bank deems repayment of the debt to be atrisk or if the performance by the client is deemed impaired.
9. Bank may charge an annual fee to Cardholder�s account,in advance, whether or not the Card is used to obtainextensions of credit. The amount of the annual fee will beas specified from time to time by notice or disclosure givenby Bank to Cardholder.10.
Cardholder shall be responsible for the annual fee andall credit obtained (through Purchases, Cash Advances, orotherwise) by the authorized use of Card or ConvenienceChecks, by any person. Further information regarding theannual fee may be found in the Interest Rate and InterestCharges document.
11.The following transactions are considered Cash Advances:requesting cash in person at any bank; making a credittransaction at participating ATM network machines;making a credit transaction through online banking;funding a wire transfer; purchasing of money orders,travelers checks, lottery tickets, betting or casino chips,or cryptocurrency; writing a Convenience Check; makinga credit transaction by using BB&T Phone24; or utilizingOverdraft Protection.  A Cash Advance fee will not becharged on Cash Advances made in connection withOverdraft Protection. Fees may apply for other types ofcash advances as listed in paragraph 5(d) of the Truth inLending Disclosures. At the time of obtaining each CashAdvance (other than at an ATM machine) or at the time ofmaking each purchase or credit transaction, Cardholder orhis authorized user, shall sign a Cash Advance slip, salesslip, or by any other method Bank may approve from timeto time, evidencing the transaction. The word �slip� shallinclude a draft or any other instrument acknowledging orrecognizing the transaction. Cardholder shall be furnishedone copy of each slip signed by the Cardholder; provided,however, that no such copy will be furnished if Cardholderwrites a Convenience Check, writes a personal check(s)triggering Overdraft Protection or makes or receives a credittransaction at an ATM machine or through online bankingor Phone24. Total Cash Advance limits and daily Cashlimits will be established by the Bank at its discretion.
12.If any Card or Convenience Checks are lost or stolen,Cardholder shall immediately notify Bank upon discovery of
6 such loss or theft by calling 1-800-476-4228. Cardholdershall cooperate completely with Bank in its attemptsto recover any losses suffered by Bank resulting fromunauthorized users and shall assist in the prosecution ofsuch persons. Further information regarding the proceduresfor lost or stolen Cards or Convenience Checks is availablein paragraph 7 of the Truth in Lending Disclosures.
13. Bank shall have no liability or responsibility whatsoeverresulting from the refusal of any Merchant or any bank tohonor the Card or Convenience Checks, and Bank shall notbe, or be deemed to be, a party to any purchase or othertransaction between Cardholder (or other user of Card) andany Merchant even though Bank may become obligated tomake disbursements directly to such Merchant. No cashrefunds will be made to, or accepted by, a Cardholder withrespect to any adjustments for, or returns of, goods orservices purchased. Any adjustment, return or refund inconnection therewith shall be accomplished only by creditto the Cardholder�s account with Bank authorized by aproperly executed credit slip.14. If a Merchant discloses a policy such as �no returns�,�no refunds�, �as is�, etc. you will be bound by that policywhen you use your Account to purchase goods or servicesfrom that Merchant. Similarly, if you use your Account tomake travel or lodging reservations, you will be bound bythat Merchant�s cancellation policy.15. If you authorize a Merchant to charge your Account forrecurring transactions without your card being present,you agree to notify the Merchant when you discontinue thetransaction or if your Account is closed or a new Accountnumber is issued by us.16. This Account may be used for legal purposes only. TheBank at its discretion may block any transactions thatcould be considered of an illegal or at-risk nature. We willnot be liable if you engage in an illegal transaction.17. Bank will bill Cardholder monthly, on a date selectedby Bank, for amounts becoming due through use ofCardholder�s Card, Convenience Checks or OverdraftProtection. Upon receipt, Cardholder should examine eachstatement and immediately notify Bank of any charge oritem, which Cardholder believes to be in error, or subjectto dispute. Any charge or item as to which Bank is notnotified within sixty (60) days after billing date shall beconclusively deemed to be correct.18. If you disagree with a transaction on your statementor have a dispute with the Merchant as a result ofthe transaction, you agree to provide information orassistance we request. Otherwise, you agree to pay usfor any resulting loss we have unless we are prohibitedby applicable law from holding you liable for our loss.Transactions made with the proceeds of a Cash Advanceare not covered by this paragraph.19.
Notwithstanding anything herein to the contrary, Bank maydeclare you to be in default if one or more of the following
7 events occur: (a) default by Cardholder in making anypayment when due and payable, (b) default by Cardholderunder any provision of this Agreement, or any other agreementBorrower may have with Bankcard or any of its affiliatedbanks (c) Cardholder�s death, insolvency or making anassignment for the benefit of creditors, (d) a petition beingfiled or any other proceeding being commenced under theFederal Bankruptcy Code or any state insolvency statute by oragainst Cardholder, or (e) a receiver being appointed for, or awrit or order of attachment, levy or garnishment being issuedagainst Cardholder or any of Cardholder�s property, assets orincome, (f) or in the event Bank shall deem itself or the debtunsafe or insecure or deems that the prospect of paymentor performance by customer is impaired, (g) or if any of theundersigned or any Obligor shall fail to furnish informationto Bank sufficient to verify the identity of the undersignedor any Obligor as required under the USA PATRIOT Act then,at Bank�s option, all amounts from Cardholder to Bank shallbecome immediately due and payable and in any such eventCardholder agrees to pay all costs of collection permitted byapplicable law, including reasonable attorneys� fees, incurredby Bank in connection therewith.
20.If Cardholder chooses to pay less than the total newbalance as shown on Cardholder�s monthly periodicstatement, a total minimum payment is required for eachbilling cycle. The total minimum payment is calculatedas the greater of the following: (1) 1% of your total newbalance plus interest and select fees, but not less than$27.00; or (2) 1% of your total new balance plus interest,select fees, and the higher of past due amount or anyamount over credit limit. Select fees, as referencedabove, include Late Payment Fees, Statement CopyFees, Customer Requested Expedited Service Fees, andRevolving Account Protection (RAP) Coverage fees.
21. Cardholder agrees to make at least the minimum periodicpayment no later than the due date as indicated on themonthly periodic statement provided by Bank. Bank maywithhold availability of credit until the payment of theitem presented has been collected. If Cardholder is latemaking the payment, Bank may, at its option, charge thelate payment fees as disclosed in paragraph 5 (b) of theTruth in Lending Disclosures, in addition to the InterestCardholder owes under this Agreement.Payments made in proper form as follows will be creditedas of the date of receipt:�
At any BB&T financial center during normal businesshours
� Through BB&T Phone24 by 6 pm EST� Through BB&T Online Banking or BB&T Mobile by 7pm EST� By mail if received by 5 pm EST � please allow atleast 5 Business Days for delivery22. The Bank will apply your payment in the following order:Interest, Fees, and balances from highest to lowest APR.
8 23. Any notice required to be given by this Agreement, bylaw, or desired to be given by Bank, shall be deemedeffectively given if and when posted in the United Statesmail addressed to you at your billing or last known addresson Bank�s records, or delivered electronically through BB&Tonline banking, or delivered by email, if legally permitted,to the address you have provided. Cardholder agrees topromptly notify Bank if any of your contact informationchanges, which may include your name, mailing address,email address, or phone numbers.24.Foreign Transactions and Fees:  Visa or MasterCardInternational will convert to U.S. dollars any charge orcredit made to your Account in currency other than U.S.dollars. The conversion rate will be determined under Visaor MasterCard regulations. The conversion rate may differfrom the rate on the date of your transaction. Currently,Visa and MasterCard use a currency conversion rate ofeither: (1) a wholesale market rate, or (2) a government-mandated rate. Visa and MasterCard use, under theirrespective regulations, either the rate in effect on (1) thedate the transaction is processed or (2) the day beforethe date the transaction is processed. Bank may charge aforeign transaction fee for transactions made or processedoutside the U.S. as listed in paragraph 5(e) of the Truth inLending Disclosures.25.Change In Terms:Bank may change the terms of thisAgreement at any time. The new terms will apply to bothnew Purchases and Cash Advances and any unpaidbalance and accruedINTEREST at the time the change iseffective. We will provide you with notice of the change tothe extent required by law.26.Disputed Accounts: Bank will not be obligated to acceptany check, money order or other payment instrumentmarked �payment in full� delivered on any disputedaccount, loan balance, fee or expense owed, and Bankexpressly reserves the right to reject all such paymentinstruments. All communications concerning any disputedamounts owed, including without limitation any paymentinstrument tendered in good faith as full satisfaction ofamount owed, must be sent to the following address:Bankcard Disputed PaymentsP .O. Box 200Wilson, NC 27894-0200If Cardholder fails to send any communication, check,money order or other payment instrument purporting topay any disputed amount due hereunder in full, to theaddress designated above, the obligation referred to willnot be satisfied, and shall be deemed not to have been ingood faith, even if such payment instrument is inadvertentlyprocessed by Bank.27.Accuracy of Credit Information: Bank regularly and inthe normal course of business reports its credit experiencewith its customers to the major credit bureau repositories.
9 Should you believe that information we have reportedabout the credit history of your Account(s) is inaccurate,please notify us at the following address: BB&T LoanServices, P .O. Box 1847, Wilson, North Carolina 27893-1847. Please include your name, address, Social Securitynumber, account number and a specific explanation ofwhat information you believe to be inaccurate.28.Notice of Furnishing Negative Information: We mayreport information about your account to the Credit Bureau.Late payments, missed payments, or other defaults on youraccount may be reflected in your credit report.29.Important Information For:California Residents: The applicant, if married, mayapply for a separate account. After credit approval, eachapplicant shall have the right to use this account to theextent of any credit limit set by the creditor and eachapplicant may be liable for all amounts of credit extendedunder this account to each joint applicant.New York and Vermont Residents: We may obtain atany time your credit reports for any legitimate purposeassociated with the account or the application or requestfor an account, including but not limited to reviewing,modifying, renewing and collecting on your account. Onyour request, you will be informed if such a report wasordered. If so, you will be given the name and address ofthe consumer reporting agency furnishing the report. NewYork residents may contact the state banking departmentto obtain a comparative listing of credit card rates, feesand grace periods. New York State Banking Department:1-800-518-8866.Ohio Residents: The Ohio laws against discriminationrequire that all creditors make credit equally availableto all creditworthy customers and that credit reportingagencies maintain separate credit histories on eachindividual upon request. The Ohio Civil Rights Commissionadministers compliance with this law.Utah Residents: As required by Utah law, you are herebynotified that a negative credit report reflecting on yourcredit record may be submitted to a credit reporting agencyif you fail to fulfill the terms of your credit obligation.Married Wisconsin Residents: No provision of anymarital property agreement, unilateral statement, orcourt order applying to marital property will adverselyaffect a creditor�s interests unless prior to the timecredit is granted, the creditor is furnished with a copy ofthe agreement, statement or court order, or has actualknowledge of the provision.30.
Governing Law:This Agreement and my Account shallbe governed by the laws of the United States and, to theextent applicable, the laws of the State of North Carolina,regardless of where Cardholder resides or uses the Account.
31.Introductory and Promotional Rates and Fees:   At the time your Account is opened, Bank may offer introductoryor promotional rates and fees for a specified period of time
10 that will be disclosed in your Interest Rate and InterestCharges document. If your Account is eligible, Bankmay, from time to time, offer introductory or promotionalrates and fees after your Account is opened.  The termsof that offer will be disclosed to you at that time and maydiffer from any prior introductory or promotional offers.After introductory or promotional rates and fees expire,the remaining balances will be subject to your standardapplicable APR and fees.
ARBITRATION AGREEMENTThe following arbitration agreement does not apply to you ifyou were a member of the active military, or were a spouse ordependent of a member of the active military, at the time youapplied to establish your account and your account is subjectto the provisions of the Military Lending Act, 10 U.S.C. � 987and its implementing regulations, 32 C.F .R. � 232.1, et seq.32.IT IS IMPORTANT THAT YOU READ THIS ARBITRATIONPROVISION CAREFULLY. IT PROVIDES THAT YOU MAY BEREQUIRED TO SETTLE A CLAIM OR DISPUTE THROUGHARBITRATION, EVEN IF YOU PREFER TO LITIGATE SUCHCLAIMS IN COURT. YOU ARE WAIVING RIGHTS YOU MAYHAVE TO LITIGATE THE CLAIMS IN A COURT OR BEFORE AJURY. YOU ARE WAIVING YOUR RIGHT TO PARTICIPATE IN ACLASS ACTION LAWSUIT, CLASS ACTION ARBITRATION, OROTHER REPRESENTATIVE ACTION WITH RESPECT TO SUCHCLAIMS.Any dispute, claim, controversy  or cause of action, thatis filed in any court and that arises out of or relates tothis Agreement or Cardholder�s application for a Card,or the breach, termination, enforcement, interpretationor validity thereof, including the determination of thescope or applicability of this agreement to arbitrate, shallbe determined by arbitration before one arbitrator at alocation mutually agreed upon in the state where youraccount is maintained, or as may be otherwise requiredunder the JAMS Minimum Consumer Standards, which  isincorporated by reference herein. The arbitration shallbe administered by JAMS pursuant to its StreamlinedArbitration Rules & Procedures. Judgment on an awardmay be entered in any court having jurisdiction.  Thisclause shall not preclude a party from seeking provisionalremedies in aid of arbitration from a court of appropriatejurisdiction.  The arbitrator may, in its award, allocateall or part of the costs of the arbitration, including thefees of the arbitrator and the reasonable attorneys� feesof the prevailing party. Notwithstanding other languagein this agreement, a party retains the right to bring anaction in small claims court if it is within the jurisdictionallimits of that court. If a party elects arbitration, it maybe conducted as an individual action only.  This meansthat even if a demand for a class action lawsuit, class
11 arbitration, or other representative action (including aprivate attorney general action) is filed, the matter will besubject to individual arbitration. Either party may bringa summary or expedited motion to compel arbitration orto stay the applicable litigation of a dispute in any court.Such motion may be brought at any time, and the failureto initiate or request arbitration at the beginning oflitigation shall not be construed as a waiver of the rightto arbitration.  If a party elects to arbitrate it shall providenotice to the other party.  The Bank shall provide noticeto you at the address we have in our records, and youmay provide notice to: Litigation Practice Group Manager,BB&T Legal Department, P .O. Box 1255, Winston-Salem,NC 27102. You may obtain a copy of the rules of thearbitration administrator, including information aboutconsumer arbitration, fees, and instructions for initiatingarbitration by contacting JAMS at www.jamsadr.com.Phone: 800-352-5267.You and the Bank each agree that under this Agreement,you and the Bank are participating in transactionsinvolving interstate commerce which shall be governedby the provisions of the Federal Arbitration Act, Title 9of the United States Code (�FAA�) and not by any statelaw concerning arbitration. The arbitrator shall followapplicable substantive law to the extent consistent withthe FAA, applicable statutes of limitation and applicableprivilege rules, and shall be authorized to award allavailable remedies, including without limitation, damages(to the extent not limited by this Agreement), declaratory,injunctive and other equitable relief, and attorneys� feesand costs. The arbitrator shall follow rules of procedureand evidence consistent with the FAA, this provision, andthe administrator�s rules.Any court with jurisdiction may enter judgment upon thearbitrator�s award. The arbitrator�s award will be final andbinding, except for any appeal right under the FAA. Unlessapplicable law provides otherwise, the appealing party willpay the cost of appeal, regardless of its outcome. However,we will consider in good faith any reasonable writtenrequest for us to bear the cost of your appeal. We will payany fees or expenses we are required by law to pay or inorder to make this arbitration provision enforceable.This arbitration provision shall survive termination orsuspension of the Account or this Agreement, and shallsurvive payment of Cardholder�s obligations under thisAgreement or termination of any or all Cards. If anyportion of this arbitration provision is deemed invalidor unenforceable, it shall not invalidate the remainingportions of this arbitration provision or Agreement;provided, however, if the limitations on class actions are
12 struck in a proceeding brought on a class, representativeor private attorney general basis, without impairing theright to appeal such decision, this entire arbitrationprovision (other than this proviso) shall be null and void insuch proceeding.TRUTH IN LENDING DISCLOSURESAND COMPUTATION OF ANNUALPERCENTAGE RATES/FEESBranch Banking and Trust Company (hereinafter �we,��our,� and �us�) makes the following Truth In LendingDisclosures to Cardholder (hereinafter �you,� �your�).You agree that the rate and charges and methods ofcomputation and repayment in connection with use of theCard are as follows:1.  Computation of INTEREST on Purchases:(a) NoINTEREST is imposed on Purchases if the total newbalance as shown on your monthly periodic statementis paid in full within 25 days of the statement date.INTEREST is imposed on Balance Transfers from the dateof the transfer.
(b) Where payment of the total new balance is not madein full within 25 days (or when the new balance includesBalance Transfers),INTERESTwill be imposed on yourPurchase balance. We calculateINTERESTon this portionof your Account by applying the daily periodic rate tothe beginning daily balance for Purchases plus any newPurchases and fees (other than Cash Advance fees) and lessany payments or credits. To compute the daily balance forPurchases we take the beginning Purchase balance of youraccount each day, add any new Purchases, fees (other thanCash Advance fees) and anyINTERESTon the current day�sbalance, and we subtract any payments or credits. This givesus the daily balance. A Purchase appearing on your statementis considered a part of the outstanding balance from thedate of the transaction or, if posting occurs in the next billingcycle, then from the first day of the next billing cycle.
(c) See the Interest Rate and Interest Charges documentincluded with this mailing for theANNUAL PERCENTAGERATE.The daily periodic rate is the annual percentage ratedivided by 365.2.  Computation of INTEREST on Cash Advances:(a) INTEREST is imposed for each day that you have theCash Advance.
(b) The amount, which will be subject toINTEREST, is the daily balance of your Cash Advances during the billingcycle. We calculate theINTERESTon this portion of yourAccount by applying the daily periodic rate to the beginningdaily balance for Cash Advances plus any new CashAdvances and Cash Advance fees and less any payments orcredits. To compute the daily balance for Cash Advances wetake the beginning Cash Advance balance of your accounteach day, add any new Cash Advances, any Cash Advance
13 fees and anyINTERESTon the current day�s balance, andwe subtract any payments or credits. This gives us the dailybalance. A Cash Advance appearing on your statement isconsidered a part of the outstanding balance from the dateof the transaction or, if posting occurs in the next billingcycle, then from the first day of the next billing cycle.
(c) See the Interest Rate and Interest Charges documentincluded with this mailing for theANNUAL PERCENTAGERATE. The daily periodic rate is the annual percentage ratedivided by 365.3.  Computation of INTEREST with Special Rate:(a) If we have special periodic rate offers in effect fromtime to time, we will separately identify them on yourmonthly statement and separately disclose on yourmonthly statement the balance to which the specialoffers apply. These separate balances and the relatedperiodicINTEREST will be calculated in the same manneras described above for the current or previous cycletransactions, as applicable.(b) Special rate offers may apply to special conveniencechecks. If so, special convenience checks will be issuedand, if used, will be posted to the account as Purchases,withINTEREST imposed from the transaction date.(c) When a special rate offer expires, the annualpercentage rates under 1 (c) and/or 2(c) will apply.(d)
If applicable, see the Interest Rate and Interest Chargesdocument included with this mailing for the specialintroductoryANNUAL PERCENTAGE RATE. The specialintroductory daily periodic rate is the special annualpercentage rate divided by 365.
4.  Minimum INTEREST:  See the Interest Rate and InterestCharges document included with this mailing andincorporated by reference for the minimumINTERESTcharge.5.
Fees and Charges:These fees will be subject to the applicableINTERESTas provided in paragraphs 1 and 2 above.
(a) Annual Fee: See the Interest Rate and Interest Chargesdocument included with this mailing and incorporated byreference for the annual fee.(b) Late Payment Fee: See the Interest Rate and InterestCharges document included with this mailing andincorporated by reference for the late payment fee.(c) Balance Transfer Fee: See the Interest Rate andInterest Charges document included with this mailing andincorporated by reference for the balance transfer fee.(d) Cash Advance Fee: See the Interest Rate and InterestCharges document included with this mailing andincorporated by reference for the cash advance fee.(e) Foreign Transaction Fee: See the Interest Rate andInterest Charges document included with this mailing andincorporated by reference for foreign transaction fee.(f) Return Payment Fee: See the Interest Rate and InterestCharges document included with this mailing andincorporated by reference for return payment fee.
14 (g) Statement Copy Fee: See the Interest Rate and InterestCharges document included with this mailing andincorporated by reference for statement copy fee.(h) Customer Requested Expedited Service Fee: See theInterest Rate and Interest Charges document included withthis mailing and incorporated by reference for customerrequested expedited service fee.6.  We retain no security interest in any property purchasedwith your Card.7.
You will not be liable for any unauthorized use of yourCard or Convenience Checks if you report the loss, theftor unauthorized use. Written notice should be provided toBranch Banking and Trust Company, P .O. Box 698, Wilson,North Carolina 27894-0698. Verbal notice should be givenby calling 1-800-476-4228. A transaction is consideredunauthorized if it is initiated by someone other than theCardholder without the Cardholder�s actual, implied, orapparent authority, and the Cardholder receives no benefitfrom the transaction. We may conduct an investigation ofyour claim, and we may deny your claim if we reasonablyconclude that the facts and circumstances do notreasonably support a claim of unauthorized use. We mayrequire you to provide a written statement, affidavit or otherinformation in support of your claim of unauthorized use. Ifyou do not provide supporting information within the timerequested or within a reasonable period of time if a date isnot stated, we may deny your claim of unauthorized use.
YOUR BILLING RIGHTSKEEP THIS NOTICE FOR FUTURE USE
This notice contains important information regarding yourrights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Think You Find a Mistake On YourStatement
If you think there is an error on your statement, write to us at:
Customer ServicePO Box 30495Tampa FL 33630-3495In your letter, give us the following information:�  Account information:  Your name and accountnumber;�  The posting date of the transaction in question;�  Dollar amount:  The dollar amount of the suspectederror; and�  Description of Problem:  If you think there is an erroron your bill, describe what you believe is wrong andwhy you believe it is a mistake.You must contact us within 60 days after the errorappeared on your statement.
15 You must notify us of any potential errors in writing.You may call us, but if you do, we are not required toinvestigate any potential errors and you may have to paythe amount in question.While we investigate whether or not there has been anerror, the following are true:�  We cannot try to collect the amount in question, orreport you as delinquent on that amount.�
The charge in question may remain on your statement,and we may continue to charge you interest on thatamount. If we determine that we made a mistake, youwill not have to pay the amount in question or anyinterest or other fees related to that amount.
�  While you do not have to pay the amount in question,you are responsible for the remainder of your balance.�  We can apply any unpaid amount against your creditlimit.Your Rights and Our Responsibilities After We ReceiveYour Written NoticeWe must acknowledge your letter within 30 days, unlesswe have corrected the error by then. Within 90 days, wemust either correct the error or explain why we believe thestatement was correct.
After we receive your letter, we cannot try to collect anyamount you question or report you as delinquent. We cancontinue to bill you for the amount you question, includinginterest, and we can apply any unpaid amount against yourcredit limit. You do not have to pay any questioned amountwhile we are investigating, but you are still obligated to paythe parts of your statement that are not in question.
If we find that we made a mistake on your statement, youwill not have to pay any interest related to any questionedamount. If we did not make a mistake, you may have topay interest, and you will have to make up any missedpayments on the questioned amount. In either case, we willsend you a statement of the amount you owe and the datethat it is due.If you fail to pay the amount that we think you owe, wemay report you as delinquent. However, if our explanationdoes not satisfy you and you write to us within ten daystelling us that you still refuse to pay, we must tell anyonewe report you to that you have a question about yourstatement. And, we must tell you the name of anyone wereported you to. We must tell anyone we report you to thatthe matter has been settled between us when it finally is.
If we do not follow these rules, we cannot collect the first $50of the questioned amount, even if your statement was correct.
Your Rights If You Are Dissatisfied With Your Credit CardPurchasesIf you are dissatisfied with the goods or services that youhave purchased with your credit card and you have tried in
16 17good faith to correct the problem with the merchant, youmay have the right not to pay the remaining amount due onthe purchase.To use this right, all of the following must be true:1. The purchase must have been made in your home stateor within 100 miles of your current mailing address, andthe purchase price must have been no  more than $50.(Note: Neither of these is necessary if your purchase wasbased on an advertisement we mailed to you, or if weown the company that sold you the goods or services.)2.
You must have used your credit card for the purchase.Purchases made with cash advances from an ATM orwith a check that accesses your credit card account donot qualify.
3. You must not yet have fully paid for the purchase.If all of the criteria above are met and you are stilldissatisfied with the purchase, contact us in writing at:Customer ServicePO Box 30495Tampa FL 33630-3495While we investigate, the same rules apply to thedisputed amount as discussed above.  After we finish ourinvestigation, we will tell you our decision.  At that point,if we think you owe an amount and you do not pay, we mayreport you as delinquent.Credit Cards are issued by Branch Banking and TrustCompany, Member FDIC and Equal Housing Lender. Rev. 11/19              I002803 - Signature