The pricing addendum for the Truist Wealth Credit Card is accurate as of June 16, 2022. 
Interest Rates and Interest Charges  
Annual Percentage Rate 
(APR) for Purchases  Prime Rate + 6.99% 
This APR will vary with the market based on the Prime Rate. 
APR for Balance Transfers  Prime Rate + 6.99% 
This APR will vary with the market based on the Prime Rate. 
APR for Cash Advances 
and Overdraft Advances  Prime Rate + 9.99%  
This APR will vary with the market based on the Prime Rate. 
Paying Interest Your due date is at l east 25 days after the close of each billing cycle. We will not c harge you 
any interest on purchases if you pay your entire balance by t
he due date each month. We 
will begin charging Interest on Cash Advances and Balance Transfers  on the transaction 
date. 
Minimum Interest Charge  None  
Fees  
Annual Fee  $0 Intro Annual Fee for the first year, after that $450*  
Transaction Fees  
Balance T ransfer 
�Cash Advance
�Foreign Transaction
$10.00 or 3% of the amount of the transfer, whichever is greater.  
$10.00 or 4% of the amount of each advance, 
whichever is greater. 
None 
Penalty Fees  
�Late P ayment
�Return Payment�Up to $40
�None
How We Will Calculate Your Balance: We use a method called � average daily balance� (including new transactions). 
Prime Rate Information: The P rime 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. If the Prime Rate changes, Bank will apply the new Prime Rate starting o n the first day of the billing 
cycle in which the change occurs and will apply the new APR to both existing balances and any new transactions made 
during that billing cycle. The APR will equal the  Prime Rate plus your applicable margin. A margin is the percentage points 
that we add to the Prime Rate to calculate the APR. For each of your billing cycles, the Bank will use the Prime Rate that is 
published on the firs t day of the month in which your billing cycle ends in order  to calculate your APR for that billing cycle. In 
the event the Prime Rate is not published on the first day of the month in which your billing cycle ends, the Prime Rate 
published most recently  prior to that date will be the effective Prime Rate. A n inc rease or decrease in the Prime Rate will 
cause a corresponding increase or decrease in your variable APRs, interest that you pay and your minimum payment due 
amount. If the Prime Rate is no longer published or is not available, Bank, at their sole discretion, may substitute a similar 
index. The Prime Rate is  currently 4.75% as of June 16, 2022; however, the Prime Rate is subject to change. To obtain 
current information about changes to the Prime Rate, contact your local Truis t branch office or write: Truist, PO B ox 698, 
Wilson, N C 27894-0698, or call 844-4TRUIST (844-487- 8478) . 
* We will waive the Annual Fee if � at the time we charge the Annual Fee for a given year � an Account Holder is a Wealth 
Client (Signature, Reserv e, or GenSpring) and has an assigned Truist Wealth advisor. Wealth Credit Card Agreement  
Section 1: Your Agreement with Us  ................................ ................................ ................................ .......................  1
Entire Agreement ........................................................................................................................................................... 1
Communications Consent ........................................................................................................................................... 1
Section 2: Your Account  ................................ ................................ ................................ ................................ ..........  1
Account Use ..................................................................................................................................................................... 1
Authorized Users ............................................................................................................................................................ 1
Illegal Transactions ....................................................................................................................................................... 1
Truist Not Obligated to Authorize a Transaction  ................................................................................................. 1
Credit Limits .................................................................................................................................................................... 1
Credit Limit Increases and Decreases ...................................................................................................................... 1
Convenience Checks ..................................................................................................................................................... 2
Section 3: Amendment  ................................ ................................ ................................ ................................ ............  2
Amendments and Change(s) in Terms  .................................................................................................................... 2
Governing Law ................................................................................................................................................................ 2
Section 4: Interest Charges  ................................ ................................ ................................ ................................ .... 2
Calculating Interest Charges  ...................................................................................................................................... 2
Grace Period .................................................................................................................................................................... 2
Purchases ......................................................................................................................................................................... 3
Cash Advances ................................................................................................................................................................ 3
Overdraft Protection Transfer .................................................................................................................................... 3
Foreign Currency Exchange  ........................................................................................................................................ 3
Balance Transfers .......................................................................................................................................................... 3
Promotional Offers and Their Balances  .................................................................................................................. 3
Section 5: Additional Fees  ................................ ................................ ................................ ................................ ......  3
Annual Fee ........................................................................................................................................................................ 3
Balance Transfer Fee..................................................................................................................................................... 4
Cash Advance Fee .......................................................................................................................................................... 4
Late Payment Fee ........................................................................................................................................................... 4
Foreign Transaction Fee .............................................................................................................................................. 4
Section 6: Making Payments  ................................ ................................ ................................ ................................ .. 4
Payment Instructions .................................................................................................................................................... 4
Making Payments and What Happens if You Pay Late  ....................................................................................... 4
How Truist Will Apply Payment  ................................................................................................................................. 4
Section 7: Account Closure, Default, Your Affirmative Obligations  ................................ ................................  4
Termination/Closure/Suspending the Account  ................................................................................................... 4
When the Account is in Default  .................................................................................................................................. 5
Truist�s Rights Upon Your Default ............................................................................................................................. 5
Your Affirmative Obligations to Truist ..................................................................................................................... 5
Section 8: Credit Inquiry and Confidential Information  ................................ ................................ ....................  5
Credit Inquiries and Reporting .................................................................................................................................. 5
Confidential Information ............................................................................................................................................. 5
Authorized Disclosure .................................................................................................................................................. 5
Privacy Information ....................................................................................................................................................... 5
Section 9: Lost/Stolen Card and Liability for Un authorized Use  ................................ ................................ ..... 6
Lost/Stolen Card or Check .......................................................................................................................................... 6
Liability for Unauthorized Use  .................................................................................................................................... 6
Section 10: Additional Important Information ................................ ................................ ................................ .... 6
Assignment ...................................................................................................................................................................... 6
Truist�s Enforceability of Our Rights ........................................................................................................................ 6
Headings ........................................................................................................................................................................... 6
State Specific Disclosures ........................................................................................................................................... 6
Section 11: Military Lending Act  ................................ ................................ ................................ ...........................  6
Statement of Military Annual Percentage Rate  (MAPR) ..................................................................................... 6
Oral Disclosures.............................................................................................................................................................. 6
Section 12: Mutual Arbitration Agreement  ................................ ................................ ................................ .........  6
Claims Subject to Arbitration  ..................................................................................................................................... 7
Special Definition of �We,� �Us,� �Our,� and �Parties�  .......................................................................................... 7
Excluded Claim or Proceeding  ................................................................................................................................... 7
Federal Arbitration Act ................................................................................................................................................. 7
Arbitration Procedures ................................................................................................................................................. 7
JURY TRIAL WAIVER ..................................................................................................................................................... 8
LITIGATION CLASS ACTION WAIVER  ....................................................................................................................... 8
Section 13: Your Billing Rights  ................................ ................................ ................................ ..............................  9
What to do if you find a mistake on your Statement  ............................................................................................ 9
What will happen after Truist receives your letter  ............................................................................................... 9
Your rights if you are dissatisfied with a Purch ase .............................................................................................. 9
Section 14: Definitions  ................................ ................................ ................................ ................................ ............  9 Wealth Credit Card Agreement, page 1  
Section 1: Your Agreement with Us  
This Wealth Credit Card Agreement (�CCA�) governs your Truist Credit Card Account with Truist Bank (�Truist� or �Bank� or �we� or �us� or �our�); your contract with Truist is collectively comprised of and incorporates by reference this CCA, the Truist Consumer Credit Card Terms and Disclosures, any rewards program terms and conditions, your application, Statements, change in terms notices, and the documents that accompany the delivery of your Card(s), including any of these that may be amended from time to time (collectively herein referred to as the �Agreement�).  The Agreement is effective upon the earlier of:  (i) thirty (30) days after we open the Account and issue Card(s) to you or (ii) the first use of a Card or the Account by you  or any Authorized User. Unless otherwise specified, capitalized terms shall have the meanings ascribed to them within this CCA.  
Entire Agreement  
The Agreement constitutes the entire Agreement between you and Truist regarding the Account and supersedes any prior negotiat ion or understanding between you and Truist concerning the subject matter of the Agreement. The Agreement may be am ended from time to time in accordance with applicable law and by any change in terms that Truist will deliver to you (in writing (including email), in a Statement, or via an update to Agreement terms that we publish at Truist.c om. Truist will issue and deliver the Card(s) to you. You are liable for all Transactions made through the use of the Account (including through use of a Card(s) associated with the Account) and any fees, interest charges, Balances, and other amounts associated with or due on the Account.  
Communications Consent  
You expressly consent and agree that Truist and our affiliates, agents, assignees, and service providers may use written, ele ctronic, or verbal means to contact you about the Cards and the Account. This consent includes, but is not limited to, contact by any of the following: manual calling methods, prerecorded or artificial voice messages, text messa ges, emails, or automatic telephone dialing systems.  You agree that Truist and our affiliates, agents, assignees, and service prov iders may use any email address or any telephone number you provide, now or in the future, including a number for a cellular phone or other wireless device, regardless of whether you incur charges as a result.  For any wireless (mobile phone) number you provide, you represent that you are the subscriber or are authorized to consent to these communications on behalf of the subscriber. You agree that Truist may monitor and record any telephone calls to assure the quality of our service or for other business r easons. You agree to advise us if your contact information changes. Some of the legal purposes for calls and messages you may receive from Truist include: suspected fraud or identity theft; obt aining information related to the Account; Transactions or servicing of your Account; collecting on the Account; and providing information about services related to your Account.  
Section 2: Your Account  
Account Use  
You agree that you and any Authorized User(s) will use the Account and each Card to make legal Transacti ons. 
Authorized Users  
Each and every person you authorize to use a Card or the Account is an Authorized User. We may require certain information ab out the Authorized Users identified by you. To the extent allowed by applicable law, you are liable for all u se of the Card(s) and the Account by each and every Authorized User and anyone else you or an Authorized User allows (directly or indirectly) to use the Card(s) or the Account. Using our sole discretion and without prior notice, we may limit the ability of  any Authorized User to use the Card(s) or the Account. Each Cardholder is an Authorized User, but one does not need to be a Cardholder to be an Authorized User.  
Illegal Transactions  
You or any Authorized User must not use or attempt to use the Card(s) or  the Account for any illegal activity. It is not Truist�s responsibility to make sure you and any Authorized Users only use the Account for legal Transactions. You are responsible for paying for all Transactions made using the Card(s)  and Account, plus any fees, interest charges, balances, and other amounts associated with or due on the Account, regardless of whether they are legal. Truist will not be liable if y ou or any Authorized User engages in an illegal Transaction or activity related to the Account. If any illegal use or activity occurs related to the Account, you also agree to waive any right to sue Truist for such illega l use or any activity directly or indirectly related to it; you also agree to indemnify and hold Truist harmless from any suits or other legal action or liability, directly or indirectly, resulting from such illegal use. 
Truist Not Obligated to Authorize a Transaction  
Truist may decline to authorize any Transaction for any reason. Truist may also reject payment on any Convenience Check. Truist is n ot liable for any consequences as a result of these actions. Truist is also not responsible for any losses you incur if anyone ref uses to accept your attempted use of the Account, a Balance Transfer request, Cash Advance, a Convenience Check, or a Card for any reason.  
Credit Limits  
The Account will be assigned a revolving Credit Limit applicable to the collective use of the Account a cross all Card(s). We may also assign different credit limits for the different Transaction types you may make on the Account. You are responsible for keeping track of all Balances and available credit ass ociated with the Account. You must manage the Account to remain below the Credit Limit and any other credit limit controls imposed on the Account.  Truist will assign a portion of the Credit Limit to be available for you to make Cash Advances; this is known as the Cash Adv ance Credit Limit for the Account.  This Cash Advance Credit Limit may be modified by the Bank from time to time in our sole discretion, based on a number of risk -based factors. Once assigned, you may only make Cash Advance Transactions up to the assigned Cash Advance Credit Limit. Although  you may have credit available within your Cash Advance Credit Limit, Truist may choose in our sole discretion not to authorize such a Transaction.  Truist may allow you to exceed your assigned Credit Limit. If Truist allows you to exceed the Credit Limit,  you nevertheless remain obligated to pay the entire amount by which your New Balance exceeds the Credit Limit.  
Credit Limit Increases and Decreases  
From time to time, Truist may use our sole discretion to either increase or decrease the Credit Limit on y our Account, without prior notice. We may also increase, decrease, restrict, or cancel the credit limit on any Transaction type at any time. This will not affect your obligation to pay us.   Wealth Credit Card Agreement, page 2  
Convenience Checks  
You are obligated to pay Truist for each Conveni ence Check used to access the Account and that Truist honors. If Truist sends you Convenience Checks, all promotional terms applicable to a Convenience Check will be included in the promotional offer provided with the Convenience Check. Truist may refuse t o issue Convenience Checks or refuse to authorize any Transaction involving the use of Convenience Checks. Once a Convenience Check has been processed, Truist will n ot be able to reverse the payment. You must take reasonable steps to prevent the Unauthoriz ed Use of any Convenience Checks issued to you for use in connection with the Account. We may not honor a Convenience Check a fter the expiration of the promotional offer; these Convenience Checks will be returned as an unpaid item.  You will earn no rewards or other incentives of any kind on any Transaction made using a Convenience Check.  
Section 3: Amendment  
Amendments and Change(s) in Terms  
Truist may add, delete, or change any term of the Agreement, unless we are prohibited by law from doing so. We will g ive you notice of any changes as required by law. Changes to the Agreement will be automatically effective on the date Truist specifies or provides an updated Agreement, except as otherw ise provided in any change in terms notice Truist provides. Truist will send you notice in the manner and method (e.g., written communication or update to online Agreement) and timeframe required  by law for the changes being made to your Account or the Agreement (or both).  Unless otherwise specified within the notice, you a re bound by changes to the Agreement as of the date notice is given. The notice will describe any rights you have in connecti on with the changes to the Agreement; under certain circumstances, you may have a right to opt out of the changes described with in the notice; however, in such a case, your Account may be suspended or terminated while you satisfy your Account obligations under the Agreement then in effect.  
Governing Law  
The Agreement is binding between you and Truist. Except as expressly set forth i n the Arbitration Provision of this CCA, the Agreement and the interpretation and enforcement thereof (including but not limited to the exportation of interest rates) will be governed by federal law applicable to Truist  and, to the extent not preempted by federal law, the laws of the state of North Carolina without regard to its conflicts of law provisions and principles. If any part of the Agreement is  unenforceable, the remaining parts will remain in effect. You agree that all terms of the Agreement are m aterial to the determination of interest. Truist accepts the Agreement in the state of North Carolina.  
Section 4: Interest Charges  
You are obligated to pay for all Transactions made using the Card(s) and Account, plus all fees, interest charges, Balances, and other amounts associated with or due on the Account.  Transactions and the fees and interest charges associated with those Transactions will generally be listed in sequential orde r by posting date within the Statement(s) we send regarding use of the Account.  
Calculating Interest Charges  
Annual Percentage Rate (APR) refers to the cost of your Account�s credit as a yearly rate.  We use APRs to calculate the interest charges on your Account. Different APRs may apply to different Transaction types (e.g.,  Purchases, Balance Transfers, Cash Advances) and are disclosed to you on the Truist Consumer Credit Card Terms and Disclosures.  A variable APR is an APR that can change each Billing Cycle. We use the term �Prime Rate� to refer to the rate we add to the mar gin(s) we disclose when we calculate the variable APR applicable to each Transaction type for a Billing Cycle. The Prime Rate used to determine your APR is a variable rate and is the highest prime rate published in the online U.S. edition of The Wall Street Journal as of the first day of the month in which your Billing Cycle ends. If the Prime Rate changes, Truist will apply the  new Prime Rate starting on the first day of the Billing Cycle in which the change occurs and will apply the new APR to both existi ng balances and any new Transactions made during that Billing Cycle. The APR will equal the Prime Rate plus your applicable margin. A margin is the percentage points that we add to the Prime Rate to calculate the APR.   In the event the Prime Rate is not pu blished on the first day of the month in which your Billing Cycle ends, the Prime Rate published most recently prior to that date will be the effective Prime Rate. An increase or decrease in the Prime Rate will cause a corresponding increase or decrease in  your variable APRs, the interest that you pay, and the amount of your Minimum Payment due. If the Prime Rate is no longer published or is not available, Truist, at our sole discretion, may substitute a new index and will notify you as required by applicable law. To obtain current information about changes to the Prime Rate, contact your local Truist branch or write: Truist Bank , P.O. Box 698, Wilson, NC 27894 -0698, call 844-4TRUIST (844-487-8478), or visit Truist.com.  To calculate the Average Daily Balanc e: Truist adds the outstanding daily Balance (including new Transactions) and periodic interest charges, fees, and unpaid int erest charges while deducting payments and credits; this is done for each Transaction type for each day in the Billing Cycle. We ma y make additional adjustments, as appropriate, subject to applicable law (e.g., when a Transaction is disputed). This gives us the daily Balance for each Transaction type. Truist then  adds all of the daily Balances for each separate Transaction type on the Account for each day of the Billing Cycle and divides that total amount by the number of days in the Billing Cycle. This resu lts in the Average Daily Balance for each Transaction type for the Billing Cycle.  To calculate the periodic interest charges on th e Account: Truist first determines the Daily Periodic Rate (DPR) for each Transaction type by taking the applicable APR and d ividing it by 365 (366 days during leap year). For each Transaction type, Truist then multiplies the Average Daily Balance for each  Transaction type by the number of days in the Billing Cycle by the DPR for that Transaction type (Average Daily Balance x # of days in Billing Cycle x DPR). We then total all of the int erest charges for each Transaction type. This is the total interest charge for the Billing Cycle.  Certain Transaction types may have multiple APRs applicable to different Balances of the same Transaction type (e.g., when you have a Balance Transfer Balance subject to a promotional APR and one not subject to a promotional APR). We consider a credit balance as a balance of zero when calculating interest on that Balance.  We add each new Purchase, Balance Transfer, or Cash Advance, if applicable, to the daily balance on the date of the Transacti on, or a later date of our choice. We add a new Convenience Check to the daily balance on the date the payee deposits the check or a later date of our choice. We add fees on  any of the following dates (at our sole discretion): (i)  the date of the related Transaction, (ii) th e date the Transaction is posted to your Account, or (iii) the last day of the Billing Cycle.  
Grace Period  
You will not pay interest charges on new Purchases if you pay the Account�s New Balance in full by the Due Date shown on the Statement. The Grace Period will remain in effect if you pay the Account�s entire New Balance by the Statement Due Date each Billing Cycle. You will lose the Grace Period for the Acc ount if you do not pay the entire New Balance in a given Billing Cycle.  To regain your Grace Period on your Account after you lose it, you must pay the entire New Balance by the Due Date for one (1) Billing Cycle. If you l ose your Grace Period on Purchases for which the Grace Period previously applied, you will owe interest charges on all Balance(s). Interest on Purchases will begin to accrue from the last day of the Billing Cycle in which you failed to pay your New Balance in full. For all Transactions made on the Account after you lose your Grace Period, you will pay interest from the Transaction Dat e until you regain the Grace Period for Purchases.   Wealth Credit Card Agreement, page 3  Additional information about the Grace Period is detailed within the Truist Consumer Credit Card Terms and Disclosures.  
Purchases  
If you pay the entire New Balance on the Statement in full and by the Due Date each Billing Cycle, you will have a Grace Period on any new Purchases that are reflected for the first time on the Account�s current Statement. There is no interest charge on Purchases if the Grace Period is in effect; new Purch ases will not be subject to an interest charge during any Billing Cycle in which the Grace Period applies.  If you revolve any Balance (i.e., do not pay your entire Account Balance in full by the Statement Due Date each Billing Cycle), all Transactions and Balances, including thos e for Purchases, will be charged interest from the date the Transaction(s) posted to your Account.  
Cash Advances  
The following uses of a Card or the Account will be considered a Cash Advance Transaction: obtaining cash from an automated t eller machine (ATM); receiving a Cash Advance via Card use at a bank or other terminal; overdraft protection transfer; or in any other way using a Card or the Account to obtai n an item that Truist considers a cash -equivalent. The Cash Advance APR will apply to Transactions made using your Account for overdraft protection; however, you will not be charged the Cash Advance fee for these overdraft protection Transactions.  Cash Advances will be posted to the Account on the date Truist processes the Cash Advance; this date may b e different from the Transaction Date (i.e., the date you made the Cash Advance). Cash Advance Balances will incur an interest charge from the Transaction Date. Cash Advances are also charged an ap plicable Cash Advance fee as disclosed within the Truist Consumer Credit Card Terms and Disclosures.  You will earn no rewards or other incentives of any kind on any Cash Advance.  Truist may establish an ATM Cash Advance daily limit and restrict the number of daily Transactions for Cash Advances allowed on the Acc ount from time to time. You and any Authorized User(s) must abide by all applicable federal, state, and local laws and regulations as well as the terms, conditio ns, rules, and regulations established by Truist with respect to ATM use, as may be amended from time to time. You agree that charges imposed by third parties for use of their ATMs will also post to the Account as a Cash  Advance. 
Overdraft Protection Transfer  
An overdraft protection transfer is the credit Truist extends to you in the form of a loan from your Account to cover an overdraft on a deposit account that you designate at Truist. You must enroll in Truist overdraft protection to avail the Account of this feature.  If you elect to link an eligible Truist Consumer checking account, savings accou nt, or money market account to the Account for overdraft protection (the �Protected Account�), funds will be transferred from the Account (the �Protector Account�) into the Protected Account when checks, bill pay, or other deb it transactions would cause th e Protected Account to be overdrawn if those transactions are paid.  Transfers will be made in exact increments from the Protector Account to the Protected Account. We consider each of these Tra nsactions an overdraft protection transfer.  If your Account does not have sufficient available credit to cover the entire amount of the overdraft on the Protected Account, we may make an overdraft protection transfer to pay individual debit items up to the amount of the Credit Limit available on the Account. We may a lso choose to not authorize an overdraft protection transfer at all.  
Foreign Currency Exchange  
If you make a Transaction in a foreign currency using a Card or the Account, the applicable Card Association Networks will co nvert the Transaction amount into U .S. dollars. The Card Association Network will use its own currency conversion procedures; Truist does not perform this conversion and we do not ad just the currency exchange rate. The conversion rate in effect on the processing date and applied by the Card  Association Network may differ from the rate in effect on the Transaction Date.  
Balance Transfers  
All Balance Transfer requests are subject to the Agreement. For each Balance Transfer Transaction, we will charge the Balance  Transfer APR and the Balance T ransfer fee as detailed in your Truist Consumer Credit Card Terms and Disclosures. From time to time, we may offer a promotional APR for Balance Tran sfers; in these cases, we will provide the terms of the offer and the circumstances under which they will a pply. All such promotional offers are subject to the terms of the Agreement unless we expressly state otherwise in the promotional offer. The minimum Balance Transfer amount is $100.00. We may reject Balance Transfer requests when they are less  than $100.00. You may not make a Balance Transfer using the Account to pay on any Truist loan (including other credit cards).  Balance Transfer requests will generally be processed in the order in which they are requested. We will not process a Balance Transfer unless you have sufficient available credit on the Account to cover each requested transfer in full (including any associated fee(s)). Balance Transfers requested at the ti me your Account is opened will be held for at least ten (10) days.  It may take varying lengths of time (up to thirty (30) days) for Balance Transfers from your Truist Account to be credited to the designated recip ient account(s). Please continue to pay at least the Minimum Payment due on the designated recipient account until the Balance Tran sfer amount appears on the billing statement from that creditor(s). It is your responsibility to pay any remaining debt obligations on the designated recipient account(s).  You will pay interest on Balance Transfers from the date these Transactions post to the Account. You will earn no rewards or other incentives of any kind on any Balance Transfer.  If you revolve a Balance (i.e., do not pay your entire New Balance in full by the Statement Due Date each Billing Cycle), all  Transactions and Balances, includin g Purchases, will be charged interest from the date they posted to your Account.  
Promotional Offers and Their Balances  
Truist may from time to time offer you a promotional APR or promotional fee on certain Transaction types through promotional offers. If you accept a promotional offer, the resulting Balance will be subject to the terms of that specific promotional offer and the Agreement. Any terms of the promotional offer that differ from what has previously been disclosed to you in the Truist Consumer Credit Card Terms and Disclosures or the Agreement (such as the applicable APR, effective dates, and other special t erms), including any applicable fees, will be detailed within the promotional offer materials.  
Section 5: Additional Fees  
The conditions under which certain fees will apply to the Account are set forth below and in the Truist Consumer Credit Card Terms and  Disclosures applicable to the Account. You will earn no rewards or other incentives of any kind on any fee you are charged, even i f that fee posts to your Purchase Balance.  
Annual Fee  
If we assess an Annual Fee for the Account, this fee will initially be assessed on the first Billing Cycle; thereafter, this Annual Fee will be charged to your Account once each year (annually, approximately every 12 months). The Annual Fee is added to the Purchase Balance for the Account. If you close the Account and have pa id it in full before the annual anniversary date, you will not be assessed an Annual Fee for the Account. As applicable, the Annual  Fee will be charged as detailed in your Truist Consumer Credit Card Terms and Disclosures.  Wealth Credit Card Agreement, page 4  
Balance Transfer Fee  
If a Balance Transfer posts to the Account, we will charge the Balance Transfer fee as detailed in your Truist Consumer Credi t Card Terms and Disclosures.  
Cash Advance Fee  
If a Cash Advance posts to the Account, we will charge the Cash Advance fee as detailed in your Truist Consumer Credit Card T erms and Disclosures.  
Late Payment Fee  
If Truist does not receive at least the Minimum Payment by it s Due Date as shown on your Statement, Truist will assess a Late Payment fee as detailed in your Truist Consumer Credit Card Terms and Disclosures; this fee will be assigned to the Purchase Balance.  
Foreign Transaction Fee  
If we assess a Foreign Transaction Fee for the Account and a Transaction posts to the Account that requires a foreign currency conversion by the Card Associa tion Networks, we will assess a Foreign Transaction Fee as detailed in your Truist Consumer Credit Card Terms and Disclosures. This fee will be assigned to the Purchase Balance.  
Section 6: Making Payments  
Payment Instructions  
You may make payments on the Account in any of the following ways:  
� At any Truist branch during normal business hours.  
� By calling the Truist Contact Center at 844 -4TRUIST (844-487-8478). 
� By using Truist Online Banking or the Truist Mobile App.  
� By mail at the address listed on the payment coupon within the Statement �please allow at least five (5) business days for delivery.  The payment date is the date that Truist r eceives the payment. Payments must be received by 11:59 pm ET to be credited same day. To ensure your payment is received and  applied correctly, please follow these instructions.  
� Payment must be in U.S. dollars, but not in cash unless the payment is made at a Truist branch.  
� Payment must come from a U.S. deposit account or cashier�s check drawn on a U.S. financial institution. 
� Payment must not include restrictive language (e.g., �payment in full�) or other language attached to the payment; (note: Tru ist may accept any payment with restrictive language without losing our rights).  
� Payment cannot come from a credit account that Truist provides you (e.g., a Convenience Check, Cash Advance, or Balance Trans fer made on this Account). 
� Payment in a paper form (such as a check, money order, or cashier�s check) must include the payment coupon from the Statement or have the Account num ber written on the payment. 
� Payment that is mailed should be sent to the address listed on the payment coupon within the Statement.  Any failure to comply with these instructions may cause your payment to be delayed. This delay may result in additional charg es and possible suspension or closure (or all of these) of the Account. In Truist�s sole and reasonable discretion, we may accept payments on the Account from Authorized Users or other third -parties as well. 
Making Payments and What Happens if You Pay Late  
Truist sends monthly Statements detailing Account activity for each Billing Cycle. You have the option of paying in full the New Balance shown on each Statement or paying in installments that at least equal the amount of the Minimum Payment as shown on the Statement.  If the New Balance is less than $27.00, the Minimum Payment will be the same as the New Balance. Otherwise, the Mini mum Payment will be the greater of: (i) $27.00; or ( ii) 1% of the New Balance plus the collective sum of all interest charges and any Late Payment fee (with such collective amount rounded  up to the nearest dollar) plus all past due amounts. If you pay more than the Minimum Payment, you still must make at least the Minimum Payment on subsequent Statements until you have fully paid what you owe to Truist related to the Account. You must pay in U.S. dollars in accordance with the payment instructions described  within the Agreement.  
How Truist Will Apply Payment  
Truist may allocate your Minimum Payments to Balances starting with the lowest APR (Annual Percentage Rate). Payments in exce ss of the Minimum Payment will generally be applied first to Balances with th e highest APR and any remaining portion to the other Balances in descending order based on their APRs, unless Truist is required by applicable law to use a different payment application method in connection with a deferred interest or similar program.  We may delay the availability of credit until we confirm that your payment has cleared. 
Section 7: Account Closure, Default, Your Affirmative Obligations  
Termination/Closure/Suspending the Account  
You may close your Account at any time. We may require you to provide a closure request in writing. You may cancel any Card at any time by calling the Truist Contact Center at 844-4TRUIST (844-487-8478), making the request in a branch, or through Truist Online Banking.  Except as otherwise required by applicable law,  Truist has the right to terminate or suspend your ability to use the Account, any Card, or any feature on the Account at any time and for any reason, without notice. The Bank may also suspend, cancel, or close any and all Cards at any time and for any reason. Truist reserves the right to suspend, restrict, or terminate the ability for you, and any and all Authorized User(s) to earn or redeem rewards during any timeframe within which  any Card or the Account is or was determined by Truist (in our sole and absolute discretion) to be not in Good Standing.  You will remain liable under the Agreement for all of the following that occur prior to termination of your Account: all Tran sactions made using the Account (including all Card(s)), plus any fees, interest charges, Balances, and other amounts associated with or due on the Account. If bankruptcy proceedings are instituted against you  or you declare bankruptcy, you must inform Truist immediately and the Account is automatically terminated, without further notice.   In the event you are in Default, Truist has the immediate right to terminate your Account without notice and declare the unpa id portion of the New Balance and any annual membership fees and other charges immediately due and payable. The Agreement will ot herwise remain in full force and effect until you pay all sums due Truist.  Immediately following the Account�s closure, all Cards, Convenience Checks, and other means used to access your Account must be immediately destroyed or, if Truist requests, surrendered to us.   Wealth Credit Card Agreement, page 5  
When the Account is in Default  
Subject to applicable law and any right(s) that you may have under that law, Truist may require immediate payment of your entire Account Balance and you will be in Default if any of the following occur:  
� Any required payment is not made on or before the payment Due Date.  
� You fail to pay any other obligation to Truist.  
� You violate any terms of the Agreement.  
� You violate any credit account or loan agreement (including a mortgage agreement) that you have with Truis t. 
� A payment on the Account cannot be processed before the Due Date.  
� A payment on the Account is rejected and not successfully resubmitted before the Due Date.  
� An attachment, garnishment, or bankruptcy proceeding is initiated against you.  
� Truist reasonably believes (in our sole discretion) that your ability to pay the Account is materially impaired.  
� You provide Truist with false, misleading, or fraudulent information (including a forged or false signature).  
� You, any Cardholder, or Authorized User makes illegal or improper use of the Account.  
� The Account or any Card is used after the Account has been closed.  
Truist�s Rights Upon Your Default  
You hereby agree that, if you are in Default, each and every of the following applies: (1) except as specifi cally addressed in the Mutual Arbitration Agreement provision of this Agreement, you agree that the total amount due on the Account shall include all costs, expenses, and reasonable attorneys� fees (including costs allocated for in -house counsel), legal proceedings, and bankruptcy and insolvency proceedings for the collections of sums due under the Agreement; (2) you further agree that the amount due on the Account shall include any liabilities, losses, demands, and judgments Truist is subject to or incurs related to your use of the Card or Account (including the use of any Card by any Authorized User); and (3) where required by state law, Truist will provide you with the applicable notice of your Default and your right to rem edy your Default. 
Your Affirmati ve Obligations to Truist  
You further acknowledge and agree that you shall immediately provide Truist with written notice of the following:  
� Any change to your address, phone number, email, or other contact information  
� Any change to your ability to pay or perform any obligations, liability, or indebtedness to Truist  
� If you become insolvent or if bankruptcy or other insolvency proceedings are commenced by or against you  
� Any entry of a judgment against you of a material nature or amount  
� Any seizure or forfeiture of, or the issuance of any writ of possession, garnishment or attachment, or any turnover for any material property  
� Any Account Holder dies or is legally declared mentally incompetent or incapacitated.  
Section 8: Credit Inquiry and Confidential Informati on 
Credit Inquiries and Reporting  
Your eligibility for the extension of credit related to the Account as well as your initial interest rates, fees, and other c osts related to the Agreement may vary based upon your creditworthiness. You authorize Truist to verify the information and obtain further information concerning your credit standing and to exchange credit information with  others regarding the same. You authorize Truist to contact any source to verify income, employment, and creditworthiness as Truist  deems necessary to maintain, review, update, renew, service, evaluate/change the credit limit of, or collect upon the Account and other permissible purposes as the law allows.  Truist may report information about your Account to credit bureaus. Late Payme nts, missed payments, or other Defaults on your Account may be reflected in your credit report. Truist may use organizations such as Experian, Equifax, TransUnion, or others to make credit -related inquiries. If you dispute credit information Truist is repo rting about you, please notify us by calling the Truist Contact Center at 844 -4TRUIST (844-487-8478). 
Confidential Information  
Confidential information includes information used in the performance of Truist�s services in relation to the Agreement, and any reports or documents that include, summarize, are based on or refer to confidential information and all derivative works of any confidential information. Confidential informat ion also includes Personal Information (i.e., Personally Identifiable Information or non-public information as defined herein). All confidential information remains the property of either party, as applicable. Each  party to the Agreement may be a disclosing party or a receiving party hereunder. All software that Truist provides or make s available to you, whether owned by Truist or any third -party services provider, will be considered confidential information pursuant to the Agreement. You agree and hereby consent to your confidential information being shared with Truist�s third party se rvice providers and other such permitted parties for purposes of providing services on the Account and Authorized Users.  Information regarding the use of a Card or the Account by you or an Authorized User may be exchanged between you and Truist.  
Authorize d Disclosure  
Confidential Information may be disclosed if and only to the extent that disclosure is required by: (a) law, including subpoe na, or judicial process; or (b) to the parties� respective personnel, state and federal regulators, and agents (such a s third-party providers of the Bank) having a need to know such Confidential Information, in which case the Receiving Party may disclose the Confidential Information subject to the limitations set forth herein and shall, unless prohibited by l aw or a state or federal regulator, promptly notify the Disclosing Party in writing of the terms and circumstances of the disclosure and cooperate with any efforts to prevent or lim it disclosure, except that Truist is not required to provide any notice to you where Tru ist is required to make such disclosure, in our sole and exclusive opinion, in the ordinary course of dealings with any state  or federal regulator or court - issued subpoena or order. Truist is a state and federally regulated financial institution, and you a cknowledge and agree that Truist may be required to cooperate in the course of an internal audit, and in dealings with any state or federal regulator. You will provide such cooperation, including cooperating with Truist�s requests for information. You auth orize Truist to release information regarding the Account to comply with any subpoena or other proper order from a state or federal  agency or court. Truist may investigate your credit record from time to time in connection with the Account.  
Privacy Informa tion  
�Personally Identifiable Information� means information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular person or household.   Wealth Credit Card Agreement, page 6  Truist may, to the extent and in the manner permitted by applicable law, communicate information about Truist�s experiences a nd Transactions with you to credit bureaus, Truist�s affiliates, and others who may properly receive that information. Truist will not share this information about you with third parties for marketing purposes. You may refer to Truist�s Privacy statement for more details about how Truist collects, uses, retains, discloses, and safeguards personal information a bout any Cardholder related to the Account. A complete copy of the Truist Privacy Policy is available at Truist.com or by calling 844 -4TRUIST (844-487-8478).  
Section 9: Lost/Stolen Card and Liability for Unauthorized Use  
Lost/Stolen Card or Check  
You must take reasonable steps to prevent the Unauthorized Use of each and every Card, Convenience Check, or other credentials/devices used to access or obtain  credit using the Account.  You agree to promptly notify Truist of any loss, theft, or alleged or actual Unauthorized Use of a Card or the Account by calling 844 -4TRUIST (844-487-8478). Because of this requirement, Truist expects that you will regularly review the Statements associated with the Account to analyze Transactions  and other charges that post to the Account and to confirm whether unauthorized Transactions have posted to the Account. You are further expected to ensure that each Authorized User is  responsibly safeguarding the Card(s), Convenience Checks, and other credentials/devices used to access or obtain credit using the Account and reporting any loss, theft, or alleged or actual Unauthorized Use of the Card or Account.  
Liability for Unauthorized Use  
To the extent allowed by applicable law, you are liable for all use of the Card(s) or the Account by each and every Authori zed User(s) and anyone else you or an Authorized User allows (directly or indirectly) to use the Card(s) or the Account. You must ensure that you and any Authorized User(s) abide by all applicable federal, state, and local laws and regulations as well as the terms, conditions, rules, and regulations established by Truist with respect to use of the Account under the Agreement, as  may be amended from time to time.  If Unauthorized Use of the Account occurs, you agree to cooperate with Truist and law enforcement authorities in identifying the unauthorized user. All claims of alleged loss, theft, or Unauthorized Use of a Card or the Account are subject to investigation.  You will not be responsible for Transactions on your Account that we determine are Unauthoriz ed Use.  
Section 10: Additional Important Information  
Assignment  
Truist has the right to assign: (i) the Agreement and any of Truist�s rights under the Agreement; (ii) the Account; and (iii)  any amount you owe to Truist. This means Truist�s rights and benefits under the Agreement and Account shall transfer (subject to the terms of the assignment) to Truist�s successors and assi gns, including any entity that acquires Truist or is created through a merger with Truist. Truist may assign our rights without you r consent and without prior notice to you. You do not have the right to assign or transfer your Account, the Agreement, or your rights under the Agreement.  
Truist�s Enforceability of Our Rights  
Truist will not, for any reason, lose our rights under the Agreement because we delay in enforcing or exercising any of Truist�s rights under the Agreement.  
Headings  
The headings of provisions within the Agreement are included for convenience and do not define, limit, or enlarge the scope of the Agreement or any of i ts provisions. 
State Specific Disclosures  
Important Information For: 
� New Jersey Residents: All provisions of this Agreement are valid, enforceable, and applicable in New Jersey.  
Section 11: Military Lending Act  
The Military Lending Act provides protections  for certain members of the Armed Forces and their dependents (�Covered Borrowers�). The provisions of this section apply to C overed Borrowers under the Military Lending Act. If you would like more information about whether you are a Covered Borrower and w hether this section applies to you, please contact us at 800-848-8372.  
Statement of Military Annual Percentage Rate  (MAPR ) 
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of cons umer credit. In general, the cost of cons umer credit to a member of the Armed Forces and his or her dependent may not exceed an Annual Percentage Rate of 36%. This rate must incl ude, as applicable to the credit transaction or account: (1) the costs associated with credit insurance premiums; (2) f ees for ancillary products sold in connection with the credit transaction; (3) any application fee charged (other than certain application fees for specified credit transactions or accounts); and (4) any participation fee charged (other th an certain participation fees for a credit card account).  
Oral Disclosures  
To hear important Military Lending Act disclosures and payment information provided in this Agreement, please call 800 -848-8372. The Jury Trial Waiver, Litigation Class Action Waiver, and Mutual Ar bitration Agreement set forth in this Agreement do not apply to Covered Borrowers under the Military Lending Act. 
Section 12: Mutual Arbitration Agreement  
READ THIS PROVISION CAREFULLY AS IT WILL HAVE A SUBSTANTIAL IMPACT ON HOW DISPUTES AND CLAIMS YOU AND WE HAVE AGAINST EACH OTHER ARE RESOLVED.  THIS ARBITRATION AGREEMENT DOES NOT APPLY IF, AS OF THE DATE OF THIS AGREEMENT, YOU ARE A COVERED BORROWER UNDER THE MILITARY  LENDING ACT. IF YOU WOULD LIKE MORE INFORMATION ABOUT WHETHER YOU ARE COVERED BY THE MILITARY LENDING ACT, PLEASE CONTACT US AT 800 848 8372.  For any Claim subject to arbitration, neither you nor we will have the right to: (1) have a court or a jury decide the Claim;  (2) engage in information-gathering (discovery) to the same extent as in court; (3) participate in a class action in court or in arbitration; or (4) join or consolidate a Claim with claims of any ot her person. The right to appeal is more limited in arbitration than in court and other rights in court may be unavailable or limite d in arbitration. Upon election by either party, the Parties mutually agree to resolve any and all disputes between them exclusively through final, binding, and individual arbitration instead of filing a lawsuit in court (except as o therwise provided below). However, this Mutual Arbitration Agreement does not cover disputes that, as a matter of law, may not be subject to pre- dispute arbitration agreements.   Wealth Credit Card Agreement, page 7  
Claims Subject to Arbitration  
A �Claim� subject to arbitration is any claim, cause of action, dispute,  or controversy between you and us (other than an Excluded Claim or Proceeding as set forth below), whether preexisting, present, or future, which arises out of or relates to the Account, the Agreement, any transaction conducted with  us in connection with the Account or the Agreement, or our relationship. �Claim� has the broadest possible meaning and includes initial claims, counterclaims, cross- claims, third-party claims, and federal, state, local, and administrative claims. It includes disputes based upon  contract, tort, consumer rights, fraud, and other intentional torts, constitution, statute, regulation, ordinance, common law , and equity, and includes claims for money damages and injunctive or declaratory relief. �Claim� also includes disputes concernin g communications involving telephones, cell phones, automatic dialing systems, artificial or prerecorded voice messages, text messages, emails, or facsimile machines and alleged violation s of the Telephone Consumer Protection Act and other statutes or regulations involving telemarketing. Upon the demand of you or us, any Claim(s) will be resolved by individual (as opposed to cla ss, mass, collective, or representative) binding arbitration in accordance with the terms specified in this Mutual Arbitration Agre ement. 
Special Definition of �We,� �Us,� �Our,� and �Parties�  
Solely for purposes of this Mutual Arbitration Agreement, the terms �Truist,� �we,� �us,� �our,� and �Parties,� in addition t o the meanings set forth in the Agreement, also refer to Truist Bank and its employees, officers, directors, parents, controlling persons, subsidiaries, affiliates, predecessors, successors, and  assigns. The �Parties� refers to both you and Truist. �We,� �us,� �our,� and �Parties� also apply to third parties if you assert a  Claim against such third parties in connection with a Claim you assert against us.  
Excluded Claim or Proceeding  
Notwithstanding the foregoing, �Claim� does not include any dispute regarding (1) any individual action brought by you or us in small claims c ourt or your state�s equivalent court, unless such action is transferred, removed, or appealed to a different court, (2) the exercising of any self -help rights, or (3) any individual action in court by one party that is limited to preventing the other part y from using a self-help remedy and that does not involve a request for damages or monetary relief of any kind. The institution and/or maintenanc e of any such right, action, or litigation shall not constitute a waiver of the right of either of the Parties to compel arbitration regarding any other dispute subject to arbitration pursuant to this Mutual Arbitration Agreement.  
Federal Arbitration Act  
Notwithstanding any choice of law or other provision in the Agreement, the Parties agree and acknowledge that th is agreement evidences a transaction involving interstate commerce and that the Federal Arbitration Act (Title 9 of the United States Code) (�FAA�) shall govern its interpretation and  enforcement and proceedings pursuant thereto. The Parties expressly agree that this Mutual Arbitration Agreement shall be governed by the FAA even in the event you and/or Truist are otherwise exemp ted from the FAA. Any disputes in this regard shall be resolved exclusively by an arbitrator. The Parties expressly intend for the FAA to govern the interpretation and enforcement of this Mutual Arbitration Agreement, and all arbitration proceedings pursuant thereto, even in the event that the FAA is determined not to apply. The P arties hereby incorporate by reference the FAA, and its  rules and procedures, into this Mutual Arbitration Agreement. If for whatever reason the rules and procedures of the FAA cann ot apply, the state law governing arbitration agreements in the state in which you reside shall apply.  Class, Mass, Collective, and/or Representative Action Waiver. The Parties mutually agree that if you or we elect to arbitrate a Claim, such Claims will be resolved in individual arbitration. The Parties further agree that, to the maximum extent allowable by law, by entering into thi s Mutual Arbitration Agreement, they waive the right to have any Claim brought, heard, administered, resolved, or arbitrated as a class, mass, collective, or representative action, and an arbitrator shall not have any authority to hear or arbitrate any cla ss, mass, collective, and/or representative action, or to award relief to anyone but the individual in arbitration. This Class, M ass, Collective, and/or Representative Action Waiver does not prevent you or Truist from participating in a class -wide settlement of claims, to the extent you or we do not exercise a right to opt out of such settlement.  
Arbitration Procedures  
a) Either you or Truist may initiate arbitration by submitting a demand for arbitration to the arbitration administrator, within  the applicable statute of limitations period, and the demand must include (1) the name, telephone number, mailing address, and e -mail address of the party seeking arbitration; (2) the Account number of any Account at issue; (3) a statement of the legal claims being asserted and the factual bases of those claims; (4) a description of the remedy sought and an accurate, good -faith calculation of the amount in controversy, enumerated in United States Dollars (any request for injunctive relief or attorneys� fees shall not count toward the calculation of the amount in controversy unless such injunctive relief seeks the payment of money); (5) the original personal signature of the party seeking arbitration (a d igital, electronic, copied, or facsimile signature is not sufficient); and (6) the party�s portion of the applicable filing fee. The party initiating arbitration must also serve the demand on  the other party via certified mail, return receipt requested, or hand delivery. If the party seeking arbitration is represented by  counsel, counsel must also provide an original personal signature on the demand for arbitration (a digital, electronic, copied, or facsimile signature is not sufficient). Counsel must also provide a certification that, to th e best of counsel�s knowledge, information, and belief, formed after an inquiry reasonable under the circumstances, (1) the demand for arbitration is not being presented for any imp roper purpose, such as to harass, cause unnecessary delay, or needlessly increase the cost of dispute resolution; (2) the claims and other legal contentions are warranted by existing law or by a nonfrivolous argument for extending, modifying, or reversing existing law or for establishing new law; and (3) the factual contentions have evident iary support, or if specifically so identified, will likely have evidentiary support after a reasonable opportunity for further investigation or discovery. Any demand for arbitration by  you must be delivered to Truist Bank Legal Department, Attn: General Counsel - Arbitration Election, 214 N. Tyron St. Mail Code: 500 -93-43-13, Charlotte, NC 28202, and our notice must be sent to the most recent address for you in our files.  b) As part of the Parties� agreement to resolve Claims by individual arbitration, you agree not to have y our arbitration demand filed or prosecuted by a law firm or collection of law firms that has filed more than 25 arbitration demands of a substantially similar nature against Truist within 180 days of you r arbitration demand, if the law firm or collective o f law firms seeks to simultaneously or collectively administer and/or arbitrate all the arbitration demands together. All arbit ration demands must be filed, administered, arbitrated, and resolved in an individual manner.  c) Any arbitration hearing that you  attend must take place in a venue reasonably convenient to you. If a party files a lawsuit in court asserting any Claim(s) th at are subject to arbitration and the other party demands arbitration or files a motion to compel arbitration with the court which  is granted, it will be the responsibility of the party prosecuting the Claim(s) to commence the arbitration proceeding with an arbitration administrator in accordance with this Mutual Arbitration Agreement and the administrator�s rules and procedures. Nothing in that litigation shall constitute a waiver of any rights under this Mutual Arbitration Agreement.  d) The arbitration will be administered by JAMS, 1920 Main Street, Suite 300, Irvine, CA 92614, jamsadr.com, 800 -352-5267. The rules and forms of JAMS may be obtained by writing to JAMS at the address listed above or visiting their website. If JAMS is unable or unwilling to serve as administrat or, the parties may agree upon another administrator, or if they are unable to agree, a court shall determine th e administrator. No company may serve as administrator, without the consent of all parties, if it fails to abide by the terms  of this Mutual Arbitration Agreement. The arbitration will proceed in accordance with this arbitration agreement and the admi nistrator�s rules and procedures in effect at the time of commencement of the arbitration, including any streamlined or expedited arbitration rules, but in the event of a conf lict between the two, the provisions of this Mutual Arbitration Agreement shall supers ede any and all conflicting arbitration administrator�s rules or procedures.  e) In addition to all other requirements in this agreement, the following provisions shall apply to all arbitrations between the Parties: (1) Truist and you shall equally share fi ling fees and other similar and usual administrative costs, as are common to both court and administrative proceedings, such as co urt reporter costs and transcript fees; but if an arbitrator determines that its rules or applicable law requires that your sh are of fees and other costs be capped at a certain amount, such as the filing fee to file the case in a court of competent jurisdiction embracing the location of the arbitration, then you will only be responsible for that maximum amoun t permitted by rule or law. Truist shall pay any costs that are uniquely associated with arbitration, such as payment of the arbitrator and room rental; (2) If a party timely  serves an offer of judgment under Federal Rule of Civil  Wealth Credit Card Agreement, page 8  Procedure 68, and the judgment that the other party finally obtains is not more favorable than the unaccepted offer, then the other party shall pay the costs of the party serving the offer of judgment, including filing fees, incurred after the offer was made; (3) Both Parties agree not to oppose or in terfere with any negotiations or agreements between the other Party and the arbitration administrator, or individual arbitrator, relating to a party�s portion of the fees. The arbitrator, however, may disallow any private agreement between an administrator, on the one hand, and the negotiating party, on the other hand, if the arbitrator believes that the private agreement underm ines his or her neutrality as arbitrator; (4) The arbitrator may issue orders (including subpoenas to third parties) allowing the P arties to conduct discovery sufficient to allow each party to prepare that party�s claims and/or defenses, taking into consideration that arbitration is designed to be a speedy and efficient method fo r resolving disputes; (5) Except as provided in the Class, Mass, Collective, and/or Representative Action Waiver, the arbitrator may award all remedies to which a party is entitled under applicable law and which would otherwise be available in a court of law, including but not limited to the imposition of sanct ions under the Federal Rules of Civil Procedure, but shall not be empowered to award any remedies that would not have been available in a court of law for the claims presented in arbitration. The arbitrator shall a pply state or federal substantive law, or both, as is applicable; (6) The arbitrator may hear motions to dismiss and/or motions for summary judgment. Any motion to dismiss and/or motion for summary judgment shall be governed by the standards of the Federal Rules of Civil Procedure governing such m otions; (7) The arbitrator�s decision or award shall be in writing with findings of fact and conclusions of law; (8) Any finding that a claim or counterclaim was filed for purposes of harassment or is frivolous shall e ntitle the other party to recover its,  his, or her attorneys� fees, costs, and expenses; (9) Either Truist or you may apply to a court of competent jurisdiction for temporary or prelimina ry injunctive relief on the ground that without such relief the arbitration may be rendered ineffectual; (1 0) Under no circumstances is the arbitrator bound by decisions reached in separate arbitrations; and (11) No arbitrator shall  have the power to conduct arbitrations on any basis other than an individual basis. If at any time the arbitrator or arbitration a dministrator fails to enforce the terms of this Mutual Arbitration Agreement, either party may seek to enjoin the arbitration proceeding in a court of competent jurisdiction , and the arbitration shall automatically be stayed pending the outcome of that proceeding.  f) A single arbitrator will be appointed by the administrator, and unless you and Truist agree otherwise, must be a practicing a ttorney with ten or more years of experience or a retired judge. Except as specifically stated herein, the arbitrator w ill not be bound by judicial rules of procedure and evidence that would apply in a court, nor by state or local laws that relate to arbitration provisions or proceedings. The arbitrator will honor and enforce statutes of limitation and c laims of privilege recognized under applicable law. In determining liability or awarding damages or other relief, the arbitrator will follow the applicable substantive law, consist ent with the Agreement and the FAA, that would apply if the matter had been brought in court. T he arbitrator will have the authority to award expert witness and attorneys� fees and costs to the extent permitted by either  the Agreement, the administrator�s rules, or applicable law. A judgment on the award may be entered by any court having jurisdict ion. g) Only an arbitrator, and not any federal, state, or local court or agency, shall have the exclusive authority to resolve any d ispute relating to the interpretation, applicability, enforceability, or formation of this Mutual Arbitration Agreement, inc luding without limitation any dispute concerning arbitrability. However, the preceding clause shall not apply to any dispute relating to or arising out of the Class, Mass, Collective, and/or Representative Action Waiver �including, but not limited to, any c laim that all or part of the Class, Mass, Collective, and/or Representative Action Waiver is unenforceable, unconscionable, illegal, void, or voidable, or  that a breach of that Waiver has occurred � which must proceed in a court of competent jurisdiction and  cannot be heard or arbitrated by an arbitrator. Moreover, all disputes relating to or arising out of the payment of arbitration fees shall be decided only by a court of competent jurisdiction and not by an arbitrator; and arbitration shall a utomatically be stayed pending the outcome of that proceeding in court. In addition, all disputes regarding the sufficiency or timeliness of arbitration demands shall be decide d by an individual arbitrator rather than an arbitration administrator. The Parties agree that any and all due dates for arbitration fees shall be tolled while the Parties resolve a dispute relating to or arising out of the Class, Mass, Collective, and/or Representative Action Waiver, and/or the payment of arbitration fees.  Survival and Severability. This Mutual Arbitration Agreement shall survive the closing of your Account and the termination of any relationship between us, including the termination of the Agreement. In the event any portion of this Mutual Arbitration Agreement is found unenforcea ble by the arbitrator or the court, it shall be severed from the Mutual Arbitration Agreement such that the remainder of this Mutual Arbitration Agreement shall be enforceable to the fullest extent permitted b y law. In any case in which (1) the dispute is filed as a class, collective, mass, or representative action, and (2) there is a final judicial determination that a portion of the Clas s, Mass, Collective, and/or Representative Action Waiver is invalid or unenforceable, the portion of such action that is  thereafter no longer covered by the Class, Mass, Collective, and/or Representative Action Waiver must be litigated in a civil court of competent jurisdiction, but the portion of the Class, Mass, Collective, and/or Representative Action Waiver that rem ains valid and enforceable shall be enforced in arbitration. The parties acknowledge and agree that under no circumstances will a class, mass, collective, or representative action be arbitrated; and if a Claim is brought seeking public injunctive relief and a court determines that the restrictions in the paragraph titled �Class, Mass, Collective, and/or Representative Action Waiver�  or elsewhere in this agreement prohibiting the arbitrator from awarding relief on behalf of third parties are unenforceable with respect to such Claim (and that determination becomes final after all appeals have been exhausted), the Claim for public injunctive relief will be determined in court and any individual Claims se eking monetary relief will be arbitrated. In such a case the parties will request that the court stay the Claim for public injunctive relief until the arbitration award pertaining to indi vidual relief has been entered in court. In no event will a Claim for public injunctive relief be arbitrated. Notwithstanding the f oregoing, if the Class, Mass, Collective, and/or Representative Action Waiver is finally adjudged to be void, voidable, or otherwise unenforceable in its entirety, this Mutual Arbitration Agreement is void in its entirety. If, notwiths tanding this provision, this Mutual Arbitration Agreement is adjudged to be unenforceable in its entirety, the Parties intend in all events that all prior arbitration agreements between them remain enforceable.  Effect of Arbitration Award. The arbitrator�s award shall be final  and binding on all parties, except for any right of appeal provided by the FAA. However, if the amount of the Claim exceeds $250,000 or involves a request for injunctive or declaratory relief that could foreseeably involve a cost or benefit to either party exceeding $250,000, any party can, within thirty (30) days after the entry of the award by the arbitrator, appeal the award to a three -arbitrator panel administered by the Administrator. The panel shall reconsider anew any aspect of the initial award req uested by the appealing party. The decision of the panel shall be by majority vote. Reference in this Mutual Arbitration Agreement to �the arbitrator� shall mean the panel if an appeal of the arbitrator�s decision has been taken. The costs of such an appeal will be borne in accordance with the above paragraph titled �Arbitration Procedures.� Any final decision of the appeal panel is subject to judicial review only as provided under the FAA. No arbitrat ion award involving the parties will have any preclusive  effect as to issues or claims in any dispute involving anyone who is not a party to the arbitration, nor will an arbitration award in prior disputes involving other parties have preclusive effect in an arbitration between the parties to this agreement.  Impact on Pending Litigation. This Mutual Arbitration Agreement shall not affect your standing with respect to any litigation b etween Truist and you that is pending in a state or federal court or arbitration as of the date of this Mutual Arbitration Agreemen t. However, if on such date you were bound by an existing arbitration agreement with Truist than that agreement shall continue to apply.  Right to Consult with an Attorney. You have the right to consult with private counsel of your choice, at your own expense, with respect to any aspect of, or any Claim that may be subject to, this Mutual Arbitration Agreement.  
JURY TRIAL WAIVER  
UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED TO ARBITRATION, YOU AND TRUIST HEREBY KNOWINGLY, VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY I N RESPECT TO ANY LITIGATION ARISING OUT OF THE AGREEMENT, RELATING TO THE ACCOUNT, OR ANY OTHER DISPUTE OR  CONTROVERSY BETWEEN YOU AND US OR ANY OF TRUIST�S EMPLOYEES, OFFICERS, DIRECTORS, PARENTS, CONTROLLING PERSONS, SUBSIDIARIES, AFFILIATES, SUCCESSORS, AND ASSIGNS.  
LITIGATION CLASS ACTION WAIVER  
TO THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NO T SUBMITTED TO ARBITRATION, YOU AND TRUIST HEREBY AGREE THAT ANY LITIGATION ARISING OUT OF THE AGREEMENT, RELATING TO THE ACCOUNT, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND US OR ANY OF TRUIST�S EMPL OYEES, OFFICERS,  Wealth Credit Card Agreement, page 9  DIRECTORS, PARENTS, CONTROLLIN G PERSONS, SUBSIDIARIES, AFFILIATES, SUCCESSORS, AND ASSIGNS WILL PROCEED ON AN INDIVIDUAL BASIS AND WILL NOT PROCEED AS PART OF A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR OTHER REPRESENTATIVE ACTION AND YOU AND TRUIST HEREBY KNO WINGLY, VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY WAIVE ANY RIGHT TO PROCEED IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR OTHER REPRESENTATIVE ACTION OR TO SERVE AS A CLASS REPRESENTATIVE.  
Section 13: Your Billing Rights  
Keep this notice for future use. It informs you about your rights and Truist�s responsibilities under the Fair Credit Billing Act.  
What to do if you find a mistake on your Statement  
If you think there is an error on your Statement, write Truist at:  
� Truist Bank Card Services, P.O. Box 200, Wilson, NC 27893  In your letter, give Truist the following information:  
� Account information: Your name and Account number  
� Dollar amount: The amount of the suspected error  
� Description of problem: If you think there is an error on  your Statement, describe what you believe is wrong and why you believe it is a mistake.  You must contact Truist: 
� Within sixty (60) days after the error appeared on your statement.  
� At least three (3) business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.  
� You must notify Truist of any potential errors in writing. You may also call Truist, but Truist is not required to investigat e any potential errors and you may have to pay the amount in question unless you provide written notice of the suspected error.  
What will happen after Truist receives your letter  
When Truist receives your letter, Truist must do two (2) things:  
� Within thirty (30) days of receiving your letter, Truist must inform you that Tru ist received your letter; Truist will also inform you if Truist has already corrected the error.  
� Within ninety (90) days after receiving your letter, Truist must either correct the error or explain to you why Truist believ es the bill is correct. While Truist investigates whether or not there has been an error:  
� Truist may not (1) attempt to collect the amount in question or (2) report you as delinquent on that amount;  
� The charge in question may remain on your Statement, and Truist may continue to charge you interest on that amount;  
� While you do not have to pay the amount in question, you are responsible for the remainder of your Balance; and  
� Truist may apply any unpaid amount against your Credit Limit.  After Truist finishes the investigation, one of two things will happen:  
� If Truist made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amoun t; or 
� If Truist does not believe there was a mistake, you will have to pay the a mount in question, along with applicable interest and fees; Truist will send you a statement of the amount you owe and the date payment is due; and Truist may then report you as delinquent if you do not pay the amount Truist states that you owe.  If you receive Truist�s explanation but still believe your bill is wrong, you must write to Truist within ten (10) days telling Truist that you still refuse to pay. If you do so, Truist cannot report you as delinquent without also reporting that you are questioning your bill. Truist must tell you the name of anyone to whom Truist reported you as delinquent, and Truist must let those organizations know when the matter has been settled between Truist and you.  If Truist does not follow all of the rules above, you do not  have to pay the first $50.00 of the amount you question even if your bill is correct.  
Your rights if you are dissatisfied with a Purchase  
If you are dissatisfied with the goods or services that you Purchase with your Card/Account, and you have tried in go od faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the Purchase. To use this right, all of the following must be true:  
� The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.00. (Note: Neither of these conditions applies if your Purchase was based on an advertisement Truist mailed to you, or if Truist owns th e company that sold you the goods or s ervices.) 
� You must have used your Card for the Purchase. Purchases made with cash advances from an ATM or with a check that accesses your Account do not qualify.  
� You must not yet have fully paid for the Purchase.  If all of the criteria above are met and yo u are still dissatisfied with the purchase, contact Truist in writing at:  
� Truist Bank  Card Services, P.O. Box 200, Wilson, NC 27893  
� While Truist investigates, the same rules apply to the disputed amount as discussed above. After Truist finishes the invest igation, Truist will tell you our decision. At that point, if Truist thinks you owe an amount and you do not pay, we may report you as delinquent.  
Section 14: Definitions  
Account:  Your Wealth Credit Card Account for which Truist is the credit card issuer; this includes all related Card(s) used to access the Wealth Credit Card Account credit. An Account with multiple Account Holders may be referred to as a Joint Account. Joint Accou nt Holders are joint and severally liable for the Account.  
Authorized User:  Any person you authorize to use a Card or the Account. Every Cardholder is an Authorized User.  
Balance:  Each Transaction, fee, interest charge, or other charge associated with the Account is assigned to a specific Transaction type; the sum of all Transactions in a Transaction type is referred to as the Balance for that Transaction type (e.g., the Balance on Purchases). The Balance for each Transacti on type includes Transactions that  you, any Cardholder, and Authorized User make as well as interest and fees that Truist assesses on those Transactions. We will assign fees that we  assess on a specific Transaction type to the Balance for that Transaction type (e.g., a Balance Transfer fee  on a Balance Transfer). Fees that are not specific to a given Transaction type (e.g., Late Payment Fee) are assigned to the B alance on Purchases. 
Balance Transfer:  A Transaction wherein a balance is transferred from another creditor to the Account.   Wealth Credit C ard  Agreement, p age 10 
Bank, Truist, w e, us , and our:  Mean  Truist B ank,  its agents, a uthorized r epresentatives, successors, a nd a ssignees. 
Billing Cycle: The p eriod o f time r eflected on a S tatement. T he le ngth o f this p eriod m ay vary b ut is ty pically ap proximately th irty ( 30) d ays. Y our Account will have a Billing Cycle 
even i f no Statement i s required. 
Consumer C redit C ard T erms and  Disclosures: This d isclosure document p rovides ra tes, c osts,  and f ees i nformation f or the Account  and i s included i n your new c redit c ard  mailer. 
Card: Eac h and e very T ruist Wealth C redit Card i ncluding p hysical c redit card(s), 1 6-digit number(s) l inked to th e Account, v irtual card(s), o r any o ther e volutionary d evice(s) th at 
you or an  Authorized U ser can u se to access t he Account to obtain c redit. 
Card A ssociation N etwork: A n etwork o f merchants, issu ing banks, a nd a cquiring banks t hat p rocess p ayment c ards in r elation t o Transactions.  Visa U SA I nc. (�Visa�) and Mastercard 
International  Incorporated ( �Mastercard�) a re examples of established  Card  Association N etworks. 
Cardholder: Any i ndividual who is i dentified b y the Account H older to be i ssued a C ard  associated w ith t he Account a nd i s thereby ex press ly au thorized to u se th at Card an d th e 
Account t o make Transactions.  
Cash Advance: A l oan  using the A ccount t o obtain c ash o r things we c onsider c ash -equivalents ( e.g., w ire tr ansfers,  cryptocurrency, travelers� c hecks,  ATM w ithdrawals, o verdraft 
prot ection, m oney o rders, f oreign c urrency, lo ttery t ickets, o r gambling c hips o r wagers). Truist d oes n ot d etermine the Merchant C ategory C odes ( MCC) a ssigned t o cash -equivalent 
Transactions; t he respective Card A ssociation N etworks  do. T ruist i s dependent on t he MCC c odes p rovided b y the applicable Ca rd A ssociation N etworks when d etermining wh ether 
a Transaction is a C ash A dvance; c ertain T ransactions, in cluding the p urchase o f qu asi-cash i tems a nd p eer- to-peer transfers,  may a lso be categorized b y the Card A ssociation 
Network u sing a C ash A dvance M CC. 
Convenience Check: This  is a c heck t hat Truist  may p rovide to you. T he check c an b e used t o access t he A ccount t o make a T ransaction. 
Credit  Limit: This i s the total  dollar a mount of c redit w e assign t o the Account f or you t o access t o make Transactions  associated w ith t he Account. 
Default: Any f ailure by y ou t o maintain t he payment ob ligations  related t o the A greement/the Account or any f ailure by y ou t o comply w ith t he terms of t he Agreement. S ee also 
�When the A ccount i s in Default � section. 
Due Da te: The date by w hich T ruist m ust r eceive at l east t he Minimum P ayment  on a S tatement f or the p ayment t o be deemed on t ime. T ruist m ust rec eive your p ayment b y 
11:59 pm E T on t he Due Date stated i n your S tatement. Y our Due Date will oc cur on t he same calendar day of ea ch m onth. I t will b e at least 21 d ays a fter th e date T ruist m ails 
your Statement an d at  least 2 5 days a fter the end of y our most recently c oncluded B illing C ycle.  
Good S tanding: This g enerally  means t hat t he Account i s not in Def ault an d you a re in f ull c ompliance with t he terms of t he Agreement; t he Bank, u sing i ts sole and  absolute 
discretion, d etermines whether t he A ccount is in G ood S tanding. 
Grace Period: The time period  during w hich y ou m ay a void p aying i nterest  on P urchases. T here is  no Grace Period f or Balance Transfers, C ash Advanc es, or overdraft p rotection 
transfers. 
Late Payment: When y ou f ail t o make a p ayment  to Truist b y the Due Date in a n amount t hat i s at least that of t he Minimum P ayment. 
Minimum Payment: This i s the lowest a mount y ou m ust p ay ea ch m onth t o help k eep t he Ac count in Go od S tanding; th is p ayment amount  is r eflected o n th e Statement for th e 
Account. 
New Balance: The total  am ount ow ed f or the Account, i ncluding a ll Transactions, B alances, a ccrued f ees, i nterest c harges, a nd ot her amount s associated w ith a nd d ue o n the 
Account as  of the closing d ate on a g iven S tatement. 
Purchase: Credit t hat Truist ex tends t o you w hen y ou, a C ardholder, or an  Authorized U ser use a C ard  or the Account t o purchase goods, labor, i nsurance, o r services a t or th rough 
participating m erchants. 
Statement: The document T ruist t ypically  sends ( or makes  available online) t o you a t the end of a B illing C ycle; w e may n ot b e required to send or make available to you a Statement 
for every B illing C ycle. T he Statement i ncludes t he Transactions, f ees, a nd i nterest charges th at occurred d uring th at Billing C ycle; th e to tal Balance th at you o we th e Bank;  the 
Minimum P ayment  that must b e paid; t he Due Date for t he Minimum P ayment; a nd ot her i mportant i nformation r elated t o the Accou nt. 
Transaction: Thi s refers t o an  authorization request, P urchase, B alance T ransfer, C ash A dvance,  overdraft  protection tr ansfer, c ash -equivalent T ransactions, d eposit, p ayment, 
refund, ac count inquiry, o r other tr ansaction th at is o r was: ( i) initiated u sing y our C ard o r th e Account a nd ( ii) p rocessed ( or su bmitted f or p rocessing) v ia a C ard A ssociation 
Network.  
Transaction Da te: For P urchases, C ash A dvances, B alance T ransfers, a nd o verdraft protection tr ansfers, th is is th e date th e Transaction i s m ade. F or Convenience Chec ks, t his is 
the date that  Truist p rocesses t he check. T he Transaction Da te for ev ery T ransaction i s listed on y our Statement.  
Unauthorized U se: This i s the us e of a C ard  or the Account ( in a ny w ay) b y a p erson w ho i s not y ou, a C ardholder, or a n Authorized U ser, a nd w ho does n ot h ave actual, i mplied, or 
apparent au thority f or such u se, a nd f rom w hich y ou, a C ardholder, or Authorized U ser received n o benefit, d irectly or indirect ly. 
You, Y our, y ou, y our, a nd A ccount H older: The individual(s) contractually li able for the Account u nder the Agreement  or otherwis e responsible for c omplying w ith t he Agreement. 
Joint Account Holders are joint and severally liable for the Account. 
Truist Bank, Member FDIC. � 20 22 Truist Financial Corporation. Truist , the Truist logo, and T ruist Purpl e are service marks  of Truist Financial Corporation.  All rights reserved. Credit 
card s are issued by Truist .  
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