The pricing addendum for the Truist Enjoy Cash Credit Card Secured is accurate as of October 12, 2021. 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

Prime Rate + 15.99% 
This APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers  Prime Rate + 15.99%

This APR will vary with the market based on the Prime Rate. 

APR  for  Cash  Advances 
and Overdraft Advances 

Prime Rate + 18.99% 
This APR will vary with the market based on the Prime Rate. 

Paying Interest 

Your due date is at least 25 days after the close of each billing cycle. We will not charge you 
any interest on purchases if you pay your entire balance by the due date each month. We 
will begin charging Interest on Cash Advances and Balance Transfers on the transaction 
date. 

Minimum Interest Charge  None 

Fees 

Annual Fee 

$19 

Transaction Fees 
Balance Transfer 

• Cash Advance
• Foreign Transaction

Penalty Fees 
• Late Payment
• Return Payment

$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 

• 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 Prime Rate used to determine your APR is a variable rate and is the highest prime rate 
published in the “Money Rates” section of the U.S. edition of The Wall Street Journal as of the first day of the month in which 
your billing cycle ends. If the Prime Rate changes, Bank 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 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 first 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. An increase 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 3.25% as of October 12, 2021; however, the Prime Rate is subject to change. To obtain 
current information about changes to the Prime Rate, contact your local Truist branch office or write: Truist, PO Box 698, 
Wilson, NC 27894-0698, or call 844-4TRUIST (844-487-8478).

Consumer Credit Card Agreement 

Enjoy Cash Credit Card Secured

Secured Card Account Pledge of Security Interest ............................................... 1

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 ................................................................................................................... 2
Credit Limits ....................................................................................................................................................................................... 2
Credit Limit Increases and Decreases ...................................................................................................................................... 2
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 ...................................................................................................................................................................................... 3
Purchases ........................................................................................................................................................................................... 3
Cash Advances ................................................................................................................................................................................. 3
Overdraft Protection Transfer ..................................................................................................................................................... 3
Foreign Currency Exchange ........................................................................................................................................................ 3
Balance Transfers ............................................................................................................................................................................ 3
Promotional Offers and Their Balances .................................................................................................................................... 4

Section 5: Additional Fees .......................................................................................... 4
Annual Fee .......................................................................................................................................................................................... 4
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 ........................................................................................................ 5
How Truist Will Apply Payment ................................................................................................................................................... 5

Section 7: Account Closure, Default, Your Affirmative Obligations .................. 5
Termination/Closure/Suspending the Account .................................................................................................................... 5
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 ....................................... 6
Credit Inquiries and Reporting .................................................................................................................................................... 6
Confidential Information ............................................................................................................................................................... 6
Authorized Disclosure .................................................................................................................................................................... 6
Privacy Information ......................................................................................................................................................................... 6

Section 9: Lost/Stolen Card and Liability for Unauthorized 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 ............................................................................................................................................................................................. 7
State Specific Disclosures ............................................................................................................................................................ 7

Section 11: Military Lending Act ................................................................................. 7
Statement of MAPR ......................................................................................................................................................................... 7
Oral Disclosures ................................................................................................................................................................................ 7

Section 12: Mutual Arbitration Agreement .............................................................. 7
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 ................................................................................................................................................................... 8
JURY TRIAL WAIVER......................................................................................................................................................................... 9
LITIGATION CLASS ACTION WAIVER ......................................................................................................................................... 9

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 .............................................................................................................. 10
Your rights if you are dissatisfied with a Purchase ............................................................................................................. 10

Section 14: Definitions ............................................................................................... 10

Consumer Credit Card Agreement, page 1 

Secured Card Account Pledge of Security Interest 
As a condition of opening this Secured credit card Account, you must maintain funds as a security interest in the Secured Savings Account in your name with Truist Bank 
to be held as collateral (hereinafter referred to as “Security Interest”). This Security Interest must be in an amount that is equal to the approved Credit Limit before the 
credit card Account may be opened. The Secured Savings Account opened at Truist and used as the Security Interest hereunder shall be referred to hereinafter as the 
Secured Savings Account. 

You acknowledge and agree that the Security Interest, pledge, and assignment in the Secured Savings Account holding your funds as collateral is to secure payment of 
all of your existing and future obligations under your credit card Account. You grant Truist an interest in all renewals, additions, proceeds, modifications, substitutions, 
and replacements of the Secured Savings Account. You also agree that the Security Interest, pledge, and assignment gives the Bank the right to redeem, collect, and 
withdraw any part or the full amount of the Secured Savings Account upon any default under the Truist Secured Credit Card Agreement or in the event your credit card 
Account is terminated for any reason. This means that Truist has exclusive control over the Secured Savings Account and, if the credit card Account closes for any 
reason, Truist may immediately apply funds in the Secured Savings Account to pay off any balance on the credit card Account without giving you prior notice. These 
funds, however, are not held in trust for you. 

If the Bank chooses not to, or otherwise fails to apply your funds in the Secured Savings Account toward amounts owed on the credit card Account or otherwise owed 
under your Truist Secured Credit Card Agreement, you agree that: (a) the Bank does not waive any right it has to do so at any later time, and to the extent not prohibited 
by law, the Bank may apply such funds at any time, in its sole discretion; and (b) you are not excused from performance or payment of any obligation owing with respect 
to the Account. 

Once the credit card Account is opened, you will not be able to lower the Credit Limit. However, you may choose to close your credit card Account at any time. If your 
credit card Account is closed, the full amount of the Secured Savings Account may be applied to the outstanding balance and your Secured Savings Account will be 
converted into a Truist savings account. The funds held as collateral in the Secured Savings Account may not be available for up to thirty (30) business days following 
the payoff and closure of the credit card Account. You are responsible for any amount due that exceeds the Security Interest in the Secured Savings Account. 

You acknowledge that the terms and conditions herein are in addition to the terms and conditions set forth by the Bank Services Agreement and the Secured Card Fee Schedule for your 
Secured Savings Account provided in the Truist Security Agreement for Secured Savings Account at the time of application. If any provisions within this Secured Card Account Pledge of 
Security Interest related to the Security Interest shall conflict with any terms or provisions of any other agreement with Truist, the provisions of this Secured Card Account Pledge of Security 
Interest, as it relates to Security Interest, shall govern over any provisions in other agreements. 

Section 1: Your Agreement with Us 
This Consumer Credit Card Agreement (“CCCA”) 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 CCCA, 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 CCCA. 

Entire Agreement 

The Agreement constitutes the entire Agreement between you and Truist regarding the Account and supersedes any prior negotiation or understanding between you 
and Truist concerning the subject matter of the Agreement. The Agreement may be amended 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.com. 

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, electronic, 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 messages, emails, or automatic telephone dialing systems.  

You agree that Truist and our affiliates, agents, assignees, and service providers 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 reasons. 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; obtaining 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 Transactions. 

Authorized Users 
Each and every person you authorize to use a Card or the Account is an Authorized User. We may require certain information about the Authorized Users identified by 
you. To the extent allowed by applicable law, you are liable for all use 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 you 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 

Consumer Credit Card Agreement, page 2 

any right to sue Truist for such illegal 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 not liable for any consequences as a 
result of these actions. Truist is also not responsible for any losses you incur if anyone refuses 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 across 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 associated 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 Advance 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 may be required to pay, as part of the Minimum Payment, 
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 your 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. 

Convenience Checks 

You are obligated to pay Truist for each Convenience 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 to issue Convenience 
Checks or refuse to authorize any Transaction involving the use of Convenience Checks. Once a Convenience Check has been processed, Truist will not be able to 
reverse the payment. You must take reasonable steps to prevent the Unauthorized Use of any Convenience Checks issued to you for use in connection with the 
Account. We may not honor a Convenience Check after 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 give 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 otherwise 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 are bound by changes to the Agreement as of the date notice is given. The notice will describe any rights you have in 
connection with the changes to the Agreement; under certain circumstances, you may have a right to opt out of the changes described within 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 in the Arbitration Provision of this CCCA, 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 material 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 order 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 margin(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 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.   

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. 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.  

 
Consumer Credit Card Agreement, page 3 

To calculate the Average Daily Balance: Truist adds the outstanding daily Balance (including new Transactions) and periodic interest charges, fees, and unpaid interest 
charges while deducting payments and credits; this is done for each Transaction type for each day in the Billing Cycle. We may 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 results in the Average Daily Balance for each Transaction type for the Billing Cycle. 

To calculate the periodic interest charges on the Account: Truist first determines the Daily Periodic Rate (DPR) for each Transaction type by taking the applicable APR 
and dividing it by 365 (366 days during leap year). Truist then multiples the DPR for each Transaction type by the Average Daily Balance within that Transaction type and 
the resulting figure by the number of days in the Billing Cycle (DPR x Average Daily Balance x # of days in Billing Cycle). We then total all of the interest 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 Transaction, 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) the 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 Account 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 lose 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 Date until you regain the Grace Period for Purchases. 

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 Purchases 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 
those 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 teller 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 obtain 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 be 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 applicable 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 Account 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, conditions, 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 account, 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 debit transactions would 
cause the 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 Transactions 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 also 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 convert 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 adjust 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 Transfer 
fee as detailed in your Truist Consumer Credit Card Terms and Disclosures. From time to time, we may offer a promotional APR for Balance Transfers; in these cases, 
we will provide the terms of the offer and the circumstances under which they will apply. All such promotional offers are subject to the terms of the Agreement unless 

 
Consumer Credit Card Agreement, page 4 

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 time 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 recipient account(s). Please 
continue to pay at least the Minimum Payment due on the designated recipient account until the Balance Transfer 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, including 
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 terms), 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 if 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 paid it in full 
before the annual anniversary date, you will not be assessed an Annual Fee for the Account.  

Balance Transfer Fee 
If a Balance Transfer posts to the Account, we will charge the Balance Transfer fee as detailed in your Truist Consumer Credit 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 Terms and Disclosures.  

Late Payment Fee 

If Truist does not receive at least the Minimum Payment by its 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 Association 
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 receives 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: Truist 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 Transfer 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 number 

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 charges 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. 

 
Consumer Credit Card Agreement, page 5 

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 Minimum 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 the 
greater of either (A) all past due amounts or (B) all amounts over the Credit Limit. If you pay more than the Minimum Payment, you still must make 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 will apply your payment to the outstanding amounts for each of the following categories in this order: interest, fees, then Balances. Within these categories, we 
apply the payment in order from the highest applicable APR to the lowest applicable APR. 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 Transactions 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 unpaid portion of the New Balance and any 
annual membership fees and other charges immediately due and payable. The Agreement will otherwise 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.  

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 Truist. 
•  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 specifically 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 remedy your Default. 

Your Affirmative 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. 

 
Consumer Credit Card Agreement, page 6 

Section 8: Credit Inquiry and Confidential Information 

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 costs 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 Payments, 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 reporting 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 information 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 makes 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 service 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. 

Authorized Disclosure 
Confidential Information may be disclosed if and only to the extent that disclosure is required by: (a) law, including subpoena, or judicial process; or (b) to the parties’ 
respective personnel, state and federal regulators, and agents (such as 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 law 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 limit disclosure, 
except that Truist is not required to provide any notice to you where Truist 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 acknowledge 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 authorize 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 Information 

“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. 

Truist may, to the extent and in the manner permitted by applicable law, communicate information about Truist’s experiences and 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 about 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 Authorized 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 Unauthorized 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 assigns, including any 
entity that acquires Truist or is created through a merger with Truist. Truist may assign our rights without your 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. 

Consumer Credit Card Agreement, page 7 

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 its 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 Covered Borrowers under the Military Lending Act. If you would like more information about whether you are a Covered Borrower and whether this section 
applies to you, please contact us at 800-848-8372.  

Statement of MAPR 
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of 
consumer 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 include, as applicable to 
the credit transaction or account: (1) the costs associated with credit insurance premiums; (2) fees 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 than 
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 Arbitration 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 other person. The right to 
appeal is more limited in arbitration than in court and other rights in court may be unavailable or limited 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 otherwise 
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. 

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 concerning 
communications involving telephones, cell phones, automatic dialing systems, artificial or prerecorded voice messages, text messages, emails, or facsimile machines 
and alleged violations 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 class, mass, collective, or representative) binding arbitration in accordance with the terms specified in this Mutual 
Arbitration Agreement. 

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 to 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 court 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 party 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 maintenance 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 this 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 
exempted 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 
Parties 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 cannot 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 this 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 class, mass, collective, and/or representative action, or to award relief to anyone but the individual in arbitration. This Class, Mass, Collective, and/or 

 
 
 
Consumer Credit Card Agreement, page 8 

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 digital, 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 the 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 improper 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 evidentiary 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 your 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 your arbitration demand, if 
the law firm or collective of law firms seeks to simultaneously or collectively administer and/or arbitrate all the arbitration demands together. All arbitration 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) that 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 administrator, the parties may agree upon 
another administrator, or if they are unable to agree, a court shall determine the 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 
administrator’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 conflict between the two, the provisions of this Mutual Arbitration Agreement shall supersede 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 
filing fees and other similar and usual administrative costs, as are common to both court and administrative proceedings, such as court reporter costs and transcript 
fees; but if an arbitrator determines that its rules or applicable law requires that your share 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 amount 
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 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 interfere 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 undermines his or her neutrality as arbitrator; (4) The arbitrator may issue orders (including subpoenas to 
third parties) allowing the Parties 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 for 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 sanctions 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 apply 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 motions; (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 entitle 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 preliminary injunctive relief on the 
ground that without such relief the arbitration may be rendered ineffectual; (10) 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 
administrator 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 attorney with ten or more years of 

experience or a retired judge. Except as specifically stated herein, the arbitrator will 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 claims of privilege 
recognized under applicable law. In determining liability or awarding damages or other relief, the arbitrator will follow the applicable substantive law, consistent with 
the Agreement and the FAA, that would apply if the matter had been brought in court. The 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 jurisdiction. 

g)  Only an arbitrator, and not any federal, state, or local court or agency, shall have the exclusive authority to resolve any dispute relating to the interpretation, 
applicability, enforceability, or formation of this Mutual Arbitration Agreement, including 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 claim that all or part of the Class, Mass, Collective, and/or Representative Action Waiver is unenforceable, unconscionable, illegal, void, or voidable, or 

 
Consumer Credit Card Agreement, page 9 

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 automatically be stayed pending the outcome of that proceeding in court. In addition, all disputes regarding the sufficiency or timeliness of 
arbitration demands shall be decided 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 unenforceable 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 by 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 Class, 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 remains 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 seeking 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 individual relief has been entered in court. In no event will a Claim for public injunctive relief be arbitrated. 
Notwithstanding the foregoing, 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, notwithstanding 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 requested 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 arbitration 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 between Truist and you that is pending in a 
state or federal court or arbitration as of the date of this Mutual Arbitration Agreement.  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 IN 
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 NOT 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 
EMPLOYEES, OFFICERS, DIRECTORS, PARENTS, CONTROLLING 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 KNOWINGLY, 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 investigate any potential errors and you may have to pay 

the amount in question unless you provide written notice of the suspected error. 

Consumer Credit Card Agreement, page 10 

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 Truist 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 believes 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 amount; or 

• If Truist does not believe there was a mistake, you will have to pay the amount 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 good 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 the company that sold you
the goods or services.) 

• 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 you 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 investigation, 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 Consumer Credit Card Account for which Truist is the credit card issuer; this includes all related Card(s) used to access the Consumer Credit Card 
Account credit. An Account with multiple Account Holders may be referred to as a Joint Account. Joint Account 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 Transaction 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 Balance on Purchases. 

Balance Transfer: A Transaction wherein a balance is transferred from another creditor to the Account. 

Bank, Truist, we, us, and our: Mean Truist Bank, its agents, authorized representatives, successors, and assignees. 

Billing Cycle: The period of time reflected on a Statement. The length of this period may vary but is typically approximately thirty (30) days. Your Account will have a 
Billing Cycle even if no Statement is required. 

Consumer Credit Card Terms and Disclosures: This disclosure document provides rates, costs, and fees information for the Account and is included in your new 
credit card mailer. 

Card: Each and every Truist Consumer Credit Card including physical credit card(s), 16-digit number(s) linked to the Account, virtual card(s), or any other evolutionary 
device(s) that you or an Authorized User can use to access the Account to obtain credit. 

Card Association Network: A network of merchants, issuing banks, and acquiring banks that process payment cards in relation to Transactions. Visa USA Inc. (“Visa”) 
and Mastercard International Incorporated (“Mastercard”) are examples of established Card Association Networks. 

Cardholder: Any individual who is identified by the Account Holder to be issued a Card associated with the Account and is thereby expressly authorized to use that 
Card and the Account to make Transactions.  

Cash Advance: A loan using the Account to obtain cash or things we consider cash-equivalents (e.g., wire transfers, cryptocurrency, travelers’ checks, ATM 
withdrawals, overdraft protection, money orders, foreign currency, lottery tickets, or gambling chips or wagers). Truist does not determine the Merchant Category 
Codes (MCC) assigned to cash-equivalent Transactions; the respective Card Association Networks do. Truist is dependent on the MCC codes provided by the applicable 
Card Association Networks when determining whether a Transaction is a Cash Advance; certain Transactions, including the purchase of quasi-cash items and peer-to-
peer transfers, may also be categorized by the Card Association Network using a Cash Advance MCC. 

Convenience Check: This is a check that Truist may provide to you. The check can be used to access the Account to make a Transaction. 

Consumer Credit Card Agreement, page 11 

Credit Limit: This is the total dollar amount of credit we assign to the Account for you to access to make Transactions associated with the Account. 

Default: Any failure by you to maintain the payment obligations related to the Agreement/the Account or any failure by you to comply with the terms of the Agreement. 
See also “When the Account is in Default” section. 

Due Date: The date by which Truist must receive at least the Minimum Payment on a Statement for the payment to be deemed on time. Truist must receive your 
payment by 11:59 pm ET on the Due Date stated in your Statement. Your Due Date will occur on the same calendar day of each month. It will be at least 21 days after the 
date Truist mails your Statement and at least 25 days after the end of your most recently concluded Billing Cycle.  

Good Standing: This generally means that the Account is not in Default and you are in full compliance with the terms of the Agreement; the Bank, using its sole and 
absolute discretion, determines whether the Account is in Good Standing. 

Grace Period: The time period during which you may avoid paying interest on Purchases. There is no Grace Period for Balance Transfers, Cash Advances, or overdraft 
protection transfers. 

Late Payment: When you fail to make a payment to Truist by the Due Date in an amount that is at least that of the Minimum Payment. 

Minimum Payment: This is the lowest amount you must pay each month to help keep the Account in Good Standing; this payment amount is reflected on the 
Statement for the Account. 

New Balance: The total amount owed for the Account, including all Transactions, Balances, accrued fees, interest charges, and other amounts associated with and due 
on the Account as of the closing date on a given Statement. 

Purchase: Credit that Truist extends to you when you, a Cardholder, or an Authorized User use a Card or the Account to purchase goods, labor, insurance, or services at 
or through participating merchants. 

Statement: The document Truist typically sends (or makes available online) to you at the end of a Billing Cycle; we may not be required to send or make available to you 
a Statement for every Billing Cycle. The Statement includes the Transactions, fees, and interest charges that occurred during that Billing Cycle; the total Balance that you 
owe the Bank; the Minimum Payment that must be paid; the Due Date for the Minimum Payment; and other important information related to the Account. 

Transaction: This refers to an authorization request, Purchase, Balance Transfer, Cash Advance, overdraft protection transfer, cash-equivalent Transactions, deposit, 
payment, refund, account inquiry, or other transaction that is or was: (i) initiated using your Card or the Account and (ii) processed (or submitted for processing) via a 
Card Association Network. 

Transaction Date: For Purchases, Cash Advances, Balance Transfers, and overdraft protection transfers, this is the date the Transaction is made. For Convenience 
Checks, this is the date that Truist processes the check. The Transaction Date for every Transaction is listed on your Statement.  

Unauthorized Use: This is the use of a Card or the Account (in any way) by a person who is not you, a Cardholder, or an Authorized User, and who does not have actual, 
implied, or apparent authority for such use, and from which you, a Cardholder, or Authorized User received no benefit, directly or indirectly. 

You, Your, you, your, and Account Holder: The individual(s) contractually liable for the Account under the Agreement or otherwise responsible for complying with the 
Agreement. Joint Account Holders are joint and severally liable for the Account. 

Truist Bank, Member FDIC. © 2021 Truist Financial Corporation. Truist, the Truist logo, and Truist Purple are service marks of Truist Financial Corporation. All rights 
reserved. Credit cards are issued by Truist.  

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