The pric ing addendum for the BB&T Spectrum Cash Rewards Retail Credit Card is accurate as of
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for Purchases Prime Rate + 9.99% to Prime Rate + 18.99% 
This APR will vary with the market based on the Prime Rate.  
APR for Balance 
Transfers  Prime Rate + 9.99% to Prime Rate + 18.99% 
This APR will vary with the market based on the Prime Rate.  
APR for Cash Advances 
and Overdraft Advances Prime Rate + 18.99% 
This APR will vary with the market based on the Prime Rate.  
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will 
begin charging Interest on Cash Advances and Balance Transfers on t he transaction date.  
Minimum Interest 
Charge  �None
Fees  
Annual Fee  �None
Transaction Fees  
�Balance Transfer
�Cash Advance
�Foreign Transaction�$10.00 or 3% of the amount of the transfer, whichever is greater.
�$10.00 or 3% of the amount of the transfer, whichever is greater.
�3% of the transaction after conversion to US dollars.
Penalty Fees  
�Late Payment
�Over-the-Credit Limit
�Returned Payment�Up to $38
�None
�None
How We Will Calculate Your Balance: We use a method called �average daily balance� (including new transactions). Prime Rate: The Prime Rate used to determine your APR is a variable rate and is the highest prime rate published in the �Money Rates� section of the U.S. edition of The Wall Street Journal as of the first day of the month in which your billing cycle ends.  
B
ranch Bank ing and Trus t Company, a s ubs idiary of BB&T Corporation, now Truis t Bank , Member FDIC. �2020 Truis t Financial Corporation. BB&T�, the BB& T logo, and Truis t are s ervice mark s  of Truis t Financial Corporation. All rights  res erved.   MASTERCARD�/VISA�CONSUMERCARDHOLDER AGREEMENT ANDTRUTH IN LENDING DISCLOSURES
Important: Please read this folderand retain it for your records. 2TABLE OF CONTENTS
MASTERCARD/VISA CONSUMER CARDHOLDERAGREEMENT AND TRUTH-IN-LENDINGDISCLOSURES....................................................3TERMS USED IN AGREEMENT......................3AGREEMENT BETWEEN BANK ANDCARDHOLDER.............................................3ARBITRATION AGREEMENT.........................10TRUTH IN LENDING DISCLOSURES ANDCOMPUTATION OF ANNUAL PERCENTAGERATES/FEES.....................................................12YOUR BILLING RIGHTS..............................15 MASTERCARD/VISA CONSUMER CARDHOLDERAGREEMENT AND TRUTH IN LENDING DISCLOSURESThis Cardholder Agreement and Truth in Lending Disclosures(�Agreement�) applies to any MasterCard Card or Visa Card(�Card�) previously issued, or to be issued, by Branch Bankingand Trust Company (�Bank�). This Agreement also governsthe issuance and use of �Convenience Checks� (�ConvenienceChecks�), Balance Transfers, and the use of your CardholderAccount to provide Overdraft Protection.TERMS USED IN AGREEMENT
The following words have the following meanings in thisAgreement: (a) �Cardholder� means any individual(s), firm,partnership, or corporation who applies for, signs, accepts, uses,retains, or authorizes the use of the Card (hereinafter �you,��your�); (b) �Cardholder Account� or �Account� means the creditaccount or accounts established by Bank for Cardholder forall transactions under this Agreement as a result of issuanceof either a MasterCard Card or Visa Card; (c) �Cash Advance�means a loan that Cardholder obtains from Bank using any ofthe methods specified in this Agreement; (d) �Purchase� meansa purchase of goods sold or services of any kind from a selleror provider of goods or services; (e) �Maximum Credit Limit�means the total dollar amount Bank approves against which theCardholder may make Purchases through the use of Cards; (f)�Cash Advance Limit� means that portion of the Maximum CreditLimit against which the Cardholder may get Cash Advancesthrough any of the methods specified in this Agreement; (g)�Merchant� means a business displaying the MasterCard and/or Visa signs; (h) �Overdraft Protection� means a service forqualified checking account clients of Bank�s affiliated financialinstitutions, which protects your designated checking accountsfrom overdrafts and rejected items by making automatic CashAdvances from your Cardholder Account.
AGREEMENT BETWEEN BANK AND CARDHOLDERCardholder agrees to be bound by the following terms,conditions, and disclosures, which shall constitute theAgreement between Bank and Cardholder. By acceptingand using the Card or a Convenience Check, or any featureof the Account, or by electronically agreeing to the termsof this Agreement, the Cardholder expressly agrees tobe bound by the provisions of this Agreement and to therates and charges applicable to the use of the Card, theConvenience Checks and any other feature or transactionapplicable to the Account.  Cardholder acknowledges thatthis Account s to be used primarily for personal, family andhousehold purposes.COMMUNICATIONS CONSENTYou expressly consent and agree that Bank and ouraffiliates, agents, assignees and service providers may usewritten, electronic or verbal means to contact you. Thisconsent includes, but is not limited to, contact by manualcalling methods, prerecorded or artificial voice messages,text messages, emails and/or automatic telephone dialing
3 systems. You agree that Bank and our affiliates, agents,assignees and service providers may use any emailaddress or any telephone number you provide, now orin the future, including a number for a cellular phone orother wireless device, regardless of whether you incurcharges as a result. For any wireless (cell phone) numberyou provide, you represent that you are the subscriber orare authorized to consent to these communications onbehalf of the subscriber. You agree that Bank may monitorand record any telephone calls to assure the quality of ourservice or for other business reasons, and that you willadvise us if your contact information changes.ELECTRONIC CONTRACTING
You agree that if you applied for your Card online, that: (i) thisAgreement is an electronic contract executed by you using yourelectronic signature, (ii) your electronic signature signifies yourintent to enter into this Agreement and that this Agreement belegally valid and enforceable according to its terms, (iii) thatthe authoritative copy of this Agreement (�Authoritative Copy�)will be the electronic record of this Agreement that is stored in adocument management system designated by us for the storageof authoritative copies of electronic records produced and usedin the ordinary course of business, and (iv) no paper version ofthe Authoritative Copy will be executed, although you may print acopy of the Agreement for your own records.
1. Bank may refuse to issue the Card, or may revoke the Cardissued to Cardholder, with or without cause or notice. Anyrevoked Card, along with any Convenience Checks, mustbe surrendered upon demand or upon knowledge of itsrevocation, to Bank or its agent designated to repossess theCard. No expired or revoked Card or Convenience Checksshall be used to obtain, or to attempt to obtain, credit.
2.Under the terms hereof Cardholder may, by use of the Card,buy goods and services from businesses displaying theMasterCard and/or Visa signs. A business displaying any ofthe above signs shall be hereinafter referred to as Merchant.Cardholder may also use the Card to borrow cash from anybank displaying the appropriate sign. The Card must be signedto insure proper use. The Card is not valid unless signed by theCardholder. Cardholder must follow any reasonable and properprocedures required by a bank or Merchant honoring the Card.
3.Cardholder may utilize Convenience Checks as he wouldchecks written on a regular checking account. Bank will honora properly signed Convenience Check, which shall be deemedto be signed written authorization for a Cash Advance. AnyConvenience Checks delivered to Cardholder will be similarto regular checking account checks. The only party authorizedto sign a Convenience Check shall be the Cardholderregardless of whether other individuals are authorized toreceive extensions of credit under this Agreement. Otherthan Convenience Checks and personal checks drawn ona checking account for which Cardholder has obtainedOverdraft Protection, no other checks may be used to obtainCash Advances, and when paid by Bank they will constitute aCash Advance which will be debited to Cardholder�s account.
4 Bank shall not be obligated to certify any Convenience Checkissued under this Agreement. Convenience Checks may onlybe written in U.S. Dollars. Also, Bank shall not be obligatedto pay a Convenience Check if such payment will overextendCardholder�s credit limit or if Cardholder�s account is not ingood standing. A Convenience Check cannot be used to makea payment on your Cardholder Account.
4.Cardholders who are also qualifying checking account clientsmay elect to utilize their Cardholder Account to provideOverdraft Protection for one or more qualifying checkingaccounts. If you have elected to use your Cardholder Accountto provide Overdraft Protection, automatic Cash Advances willbe made against the Credit Card Account to cover overdraftsin designated checking accounts. The presentation of anycheck signed by any person authorized to draw checks uponany checking accounts for which you have elected OverdraftProtection or the assessment of any other charges against thechecking accounts in excess of the balance in the checkingaccounts constitutes an authorization for a Cash Advance tobe made under this Agreement. We have the sole discretion todetermine whether to advance funds to the checking accountsin the amount needed to cover each overdraft amount item, upto the established Cash Advance Limit, to pay checks, drafts,or any other charges when there is not a sufficient balancein the checking accounts at the time such checks, drafts,or other charges are presented or made. Bank may refuseto authorize any Cash Advance in connection with OverdraftProtection if the Cardholder Account is not in good standingor if the Cash Advance would exceed the Cash Advance Limit.Bank is not liable for any returned items or NSF fees. Theterms and conditions governing your checking accounts andthe fees (including any fees charged for Overdraft Protection)associated with your checking accounts are contained in theBank Services Agreement and the Financial Services PricingGuide which are incorporated herein by reference.
5. Cardholder shall not use the Card, Convenience Checks orOverdraft Protection if such use would make Cardholder�sdebt to Bank greater than the credit limit set by Bank fromtime to time.6.
Upon request, Cardholder may transfer outstandingbalances from other credit cards to the Card (�BalanceTransfer�). Cardholder has 10 days from the date theAccount was opened to call Bank at 1-800-476-4228 tocancel any Balance Transfers. Balance Transfer processingtime may vary so please continue to pay the minimumamount due until the Balance Transfer amount appears onthe billing statement from your other creditor(s). All BalanceTransfers will be posted to the Cardholder�s Account as aPurchase, with the Balance Transfers considered a part ofthe outstanding balance from the date of the transfer. Bankmay charge a Balance Transfer Fee. Please see the InterestRate and Interest Charges document for any applicableBalance Transfer Fee.
7. The Bank at its discretion may from time to time increasethe credit limit of the cardholder.8.
The Bank may at anytime decrease the credit limit of thecardholder if the Bank deems repayment of the debt to be at
5 risk or if the performance by the client is deemed impaired.
9. Bank may charge an annual fee to Cardholder�s account,in advance, whether or not the Card is used to obtainextensions of credit. The amount of the annual fee will beas specified from time to time by notice or disclosure givenby Bank to Cardholder.10. Cardholder shall be responsible for the annual fee andall credit obtained (through Purchases, Cash Advances, orotherwise) by the authorized use of Card or ConvenienceChecks, by any person. Further information regarding theannual fee may be found in the Interest Rate and InterestCharges document included with this mailing.11.
The following transactions are considered Cash Advances:requesting cash in person at any bank; making a credittransaction at participating ATM network machines; makinga credit transaction through online banking; funding a wiretransfer; purchasing of money orders, travelers checks, lotterytickets, betting or casino chips, or cryptocurrency; writing aConvenience Check; making a credit transaction by using BB&TPhone24; or utilizing Overdraft Protection. A Cash Advance feewill not be charged on Cash Advances made in connection withOverdraft Protection. Fees may apply for other types of cashadvances as listed in paragraph 8(d) of the Truth in LendingDisclosures. At the time of obtaining each Cash Advance(other than at an ATM machine) or at the time of making eachpurchase or credit transaction, Cardholder or his authorizeduser, shall sign a Cash Advance slip, sales slip, or by any othermethod Bank may approve from time to time, evidencing thetransaction. The word �slip� shall include a draft or any otherinstrument acknowledging or recognizing the transaction.Cardholder shall be furnished one copy of each slip signed bythe Cardholder; provided, however, that no such copy will befurnished if Cardholder writes a Convenience Check, writes apersonal check(s) triggering Overdraft Protection or makes orreceives a credit transaction at an ATM machine or throughonline banking or Phone24. Total Cash Advance limits and dailyCash limits will be established by the Bank at its discretion.
12.If any Card or Convenience Checks are lost or stolen,Cardholder shall immediately notify Bank upon discovery ofsuch loss or theft by calling 1-800-476-4228. Cardholdershall cooperate completely with Bank in its attemptsto recover any losses suffered by Bank resulting fromunauthorized users and shall assist in the prosecution ofsuch persons. Further information regarding the proceduresfor lost or stolen Cards or Convenience Checks is availablein paragraph 10 of the Truth in Lending Disclosures.
13.Bank shall have no liability or responsibility whatsoeverresulting from the refusal of any Merchant or any bank tohonor the Card or Convenience Checks, and Bank shall notbe, or be deemed to be, a party to any purchase or othertransaction between Cardholder (or other user of Card) and anyMerchant even though Bank may become obligated to makedisbursements directly to such Merchant. No cash refunds willbe made to, or accepted by, a Cardholder with respect to anyadjustments for, or returns of, goods or services purchased. Anyadjustment, return or refund in connection therewith shall be
6 accomplished only by credit to the Cardholder�s account withBank authorized by a properly executed credit slip.
14. If a Merchant discloses a policy such as �no returns�,�no refunds�, �as is�, etc. you will be bound by that policywhen you use your Account to purchase goods or servicesfrom that Merchant. Similarly, if you use your Account tomake travel or lodging reservations, you will be bound bythat Merchant�s cancellation policy.15. If you authorize a Merchant to charge your Account forrecurring transactions without your card being present,you agree to notify the Merchant when you discontinue thetransaction or if your Account is closed or a new Accountnumber is issued by us.16. This Account may be used for legal purposes only. TheBank at its discretion may block any transactions thatcould be considered of an illegal or at-risk nature. We willnot be liable if you engage in an illegal transaction.17.
Bank will bill Cardholder monthly, on a date selected by Bank,for amounts becoming due through use of Cardholder�s Card,Convenience Checks or Overdraft Protection. Upon receipt,Cardholder should examine each statement and immediatelynotify Bank of any charge or item, which Cardholder believesto be in error, or subject to dispute. Any charge or item as towhich Bank is not notified within sixty (60) days after billingdate shall be conclusively deemed to be correct.
18.If you disagree with a transaction on your statement or havea dispute with the Merchant as a result of the transaction,you agree to provide information or assistance we request.Otherwise, you agree to pay us for any resulting loss we haveunless we are prohibited by applicable law from holding youliable for our loss. Transactions made with the proceeds of aCash Advance are not covered by this paragraph.
19.Notwithstanding anything herein to the contrary, Bank maydeclare you to be in default if one or more of the followingevents occur: (a) default by Cardholder in making anypayment when due and payable, (b) default by Cardholderunder any provision of this Agreement, or any other agreementBorrower may have with Bankcard or any of its affiliatedbanks (c) Cardholder�s death, insolvency or making anassignment for the benefit of creditors, (d) a petition beingfiled or any other proceeding being commenced under theFederal Bankruptcy Code or any state insolvency statute by oragainst Cardholder, or (e) a receiver being appointed for, or awrit or order of attachment, levy or garnishment being issuedagainst Cardholder or any of Cardholder�s property, assets orincome, (f) or in the event Bank shall deem itself or the debtunsafe or insecure or deems that the prospect of paymentor performance by customer is impaired, (g) or if any of theundersigned or any Obligor shall fail to furnish informationto Bank sufficient to verify the identity of the undersignedor any Obligor as required under the USA PATRIOT Act then,at Bank�s option, all amounts from Cardholder to Bank shallbecome immediately due and payable and in any such eventCardholder agrees to pay all costs of collection permitted byapplicable law, including reasonable attorneys� fees, incurredby Bank in connection therewith.
7 20.If Cardholder chooses to pay less than the total new balanceas shown on Cardholder�s monthly periodic statement, atotal minimum payment is required for each billing cycle. Thetotal minimum payment is calculated as the greater of thefollowing: (1) 1% of your total new balance plus interest andselect fees, but not less than $27.00; or (2) 1% of your totalnew balance plus interest, select fees, and the higher of anypast due amount or any amount over credit limit. Select fees,as referenced above, include Late Payment Fees, StatementCopy Fees, Customer Requested Expedited Service Fees, andRevolving Account Protection (RAP) Coverage fees.
21. Cardholder agrees to make at least the minimum periodicpayment no later than the due date as indicated on themonthly periodic statement provided by Bank. Bank maywithhold availability of credit until the payment of the itempresented has been collected. If Cardholder is late making thepayment, Bank may, at its option, charge the late paymentfees as disclosed in paragraph 8 (b) of the Truth in LendingDisclosures, in addition to the Interest Cardholder owes underthis Agreement.Payments made in proper form as follows will be creditedas of the date of receipt:�
At any BB&T financial center during normal businesshours
� Through BB&T Phone24 by 6 pm EST� Through BB&T Online Banking or BB&T Mobile by 7pm EST� By mail if received by 5 pm EST � please allow atleast 5 Business Days for delivery22. The Bank will apply your payment in the following order:Interest, Fees, and balances from highest to lowest APR.23.
Any notice required to be given by this Agreement, by law, ordesired to be given by Bank, shall be deemed effectively givenif and when posted in the United States mail addressed toyou at your billing or last known address on Bank�s records,or delivered electronically through BB&T online banking, ordelivered by email, if legally permitted, to the address you haveprovided. Cardholder agrees to promptly notify Bank if anyof your contact information changes, which may include yourname, mailing address, email address, or phone numbers.
24.Foreign Transactions and Fees:Visa or MasterCardInternational will convert to U.S. dollars any charge or creditmade to your Account in currency other than U.S. dollars. Theconversion rate will be determined under Visa or MasterCardregulations. The conversion rate may differ from the rate onthe date of your transaction. Currently, Visa and MasterCarduse a currency conversion rate of either: (1) a wholesalemarket rate, or (2) a government-mandated rate. Visa andMasterCard use, under their respective regulations, eitherthe rate in effect on (1) the date the transaction is processedor (2) the day before the date the transaction is processed.Bank may charge a foreign transaction fee for transactionsmade or processed outside the U.S. as listed in paragraph8(e) of the Truth in Lending Disclosures.
25.Change In Terms:Bank may change the terms of thisAgreement at any time. The new terms will apply to both
8 new Purchases and Cash Advances and any unpaidbalance and accruedINTEREST at the time the change iseffective. We will provide you with notice of the change tothe extent required by law.26.Disputed Accounts: Bank will not be obligated to acceptany check, money order or other payment instrumentmarked �payment in full� delivered on any disputedaccount, loan balance, fee or expense owed, and Bankexpressly reserves the right to reject all such paymentinstruments. All communications concerning any disputedamounts owed, including without limitation any paymentinstrument tendered in good faith as full satisfaction ofamount owed, must be sent to the following address:Disputed Accounts Bankcard Disputed PaymentsP .O. Box 200Wilson, NC 27894-0200If Cardholder fails to send any communication, check,money order or other payment instrument purporting to payany disputed amount due hereunder in full, to the addressdesignated above, the obligation referred to will not besatisfied, and shall be deemed not to have been in goodfaith, even if such payment instrument is inadvertentlyprocessed by Bank.27.
Accuracy of Credit Information: Bank regularly and inthe normal course of business reports its credit experiencewith its customers to the major credit bureau repositories.Should you believe that information we have reported aboutthe credit history of your Account(s) is inaccurate, pleasenotify us at the following address: BB&T Loan Services,P .O. Box 1847, Wilson, North Carolina 27893-1847.
Please include your name, address, Social Security number,account number and a specific explanation of whatinformation you believe to be inaccurate.28.Notice of Furnishing Negative Information: We mayreport information about your account to credit bureaus.Late payments, missed payments, or other defaults on youraccount may be reflected in your credit report.29.Important Information For:California Residents: The applicant, if married, mayapply for a separate account. After credit approval, eachapplicant shall have the right to use this account to theextent of any credit limit set by the creditor and eachapplicant may be liable for all amounts of credit extendedunder this account to each joint applicant.
New York and Vermont Residents: We may obtain at any timeyour credit reports for any legitimate purpose associatedwith the account or the application or request for an account,including but not limited to reviewing, modifying, renewingand collecting on your account. On your request, you will beinformed if such a report was ordered. If so, you will be giventhe name and address of the consumer reporting agencyfurnishing the report. New York residents may contact thestate banking department to obtain a comparative listingof credit card rates, fees and grace periods. New York StateBanking Department: 1-800-518-8866.
Ohio Residents: The Ohio laws against discriminationrequire that all creditors make credit equally available
9 to all creditworthy customers and that credit reportingagencies maintain separate credit histories on eachindividual upon request. The Ohio Civil Rights Commissionadministers compliance with this law.Utah Residents: As required by Utah law, you are herebynotified that a negative credit report reflecting on yourcredit record may be submitted to a credit reporting agencyif you fail to fulfill the terms of your credit obligation.Married Wisconsin Residents: No provision of anymarital property agreement, unilateral statement, orcourt order applying to marital property will adverselyaffect a creditor�s interests unless prior to the timecredit is granted, the creditor is furnished with a copy ofthe agreement, statement or court order, or has actualknowledge of the provision.30.
Governing Law:This Agreement and my Account shallbe governed by the laws of the United States and, to theextent applicable, the laws of the State of North Carolina,regardless of where Cardholder resides or uses the Account.
31.Introductory and Promotional Rates and Fees: At the time your Account is opened, Bank may offer introductoryor promotional rates and fees for a specified period of timethat will be disclosed in your Interest Rate and InterestCharges document. If your Account is eligible, Bankmay, from time to time, offer introductory or promotionalrates and fees after your Account is opened.  The termsof that offer will be disclosed to you at that time and maydiffer from any prior introductory or promotional offers.After introductory or promotional rates and fees expire,the remaining balances will be subject to your standardapplicable APR and fees.
ARBITRATION AGREEMENTThe following arbitration agreement does not apply to you ifyou were a member of the active military, or were a spouse ordependent of a member of the active military, at the time youapplied to establish your account and your account is subjectto the provisions of the Military Lending Act, 10 U.S.C. � 987and its implementing regulations, 32 C.F.R. � 232.1, et seq.32.
IT IS IMPORTANT THAT YOU READ THIS ARBITRATIONPROVISION CAREFULLY. IT PROVIDES THAT YOU MAY BEREQUIRED TO SETTLE A CLAIM OR DISPUTE THROUGHARBITRATION, EVEN IF YOU PREFER TO LITIGATE SUCHCLAIMS IN COURT. YOU ARE WAIVING RIGHTS YOU MAY HAVETO LITIGATE THE CLAIMS IN A COURT OR BEFORE A JURY.YOU ARE WAIVING YOUR RIGHT TO PARTICIPATE IN A CLASSACTION LAWSUIT, CLASS ACTION ARBITRATION, OR OTHERREPRESENTATIVE ACTION WITH RESPECT TO SUCH CLAIMS.
Any dispute, claim, controversy  or cause of action, thatis filed in any court and that arises out of or relates tothis Agreement or Cardholder�s application for a Card, orthe breach, termination, enforcement, interpretation orvalidity thereof, including the determination of the scopeor applicability of this agreement to arbitrate, shall bedetermined by arbitration before one arbitrator at a location
10 mutually agreed upon in the state where your account ismaintained, or as may be otherwise required under theJAMS Minimum Consumer Standards, which is incorporatedby reference herein. The arbitration shall be administeredby JAMS pursuant to its Streamlined Arbitration Rules &Procedures. Judgment on an award may be entered in anycourt having jurisdiction. This clause shall not preclude aparty from seeking provisional remedies in aid of arbitrationfrom a court of appropriate jurisdiction. The arbitrator may, inits award, allocate all or part of the costs of the arbitration,including the fees of the arbitrator and the reasonableattorneys� fees of the prevailing party. Notwithstandingother language in this agreement, a party retains the rightto bring an action in small claims court if it is within thejurisdictional limits of that court. If a party elects arbitration,it may be conducted as an individual action only. Thismeans that even if a demand for a class action lawsuit,class arbitration, or other representative action (includinga private attorney general action) is filed, the matter willbe subject to individual arbitration. Either party may bringa summary or expedited motion to compel arbitration or tostay the applicable litigation of a dispute in any court. Suchmotion may be brought at any time, and the failure to initiateor request arbitration at the beginning of litigation shallnot be construed as a waiver of the right to arbitration. If aparty elects to arbitrate it shall provide notice to the otherparty. The Bank shall provide notice to you at the addresswe have in our records, and you may provide notice to:Litigation Practice Group Manager, BB&T Legal Department,P .O. Box 1255, Winston-Salem, NC 27102. You may obtaina copy of the rules of the arbitration administrator,including information about consumer arbitration, fees, andinstructions for initiating arbitration by contacting JAMS atwww.jamsadr.com. Phone: 800-352-5267.
You and the Bank each agree that under this Agreement,you and the Bank are participating in transactionsinvolving interstate commerce which shall be governedby the provisions of the Federal Arbitration Act, Title 9of the United States Code (�FAA�) and not by any statelaw concerning arbitration. The arbitrator shall followapplicable substantive law to the extent consistent withthe FAA, applicable statutes of limitation and applicableprivilege rules, and shall be authorized to award allavailable remedies, including without limitation, damages(to the extent not limited by this Agreement), declaratory,injunctive and other equitable relief, and attorneys� feesand costs. The arbitrator shall follow rules of procedure andevidence consistent with the FAA, this provision, and theadministrator�s rules.Any court with jurisdiction may enter judgment upon thearbitrator�s award. The arbitrator�s award will be final andbinding, except for any appeal right under the FAA. Unlessapplicable law provides otherwise, the appealing party willpay the cost of appeal, regardless of its outcome. However,we will consider in good faith any reasonable written
11 request for us to bear the cost of your appeal. We will payany fees or expenses we are required by law to pay or inorder to make this arbitration provision enforceable.This arbitration provision shall survive termination orsuspension of the Account or this Agreement, and shallsurvive payment of Cardholder�s obligations under thisAgreement or termination of any or all Cards. If anyportion of this arbitration provision is deemed invalidor unenforceable, it shall not invalidate the remainingportions of this arbitration provision or Agreement; provided,however, if the limitations on class actions are struck ina proceeding brought on a class, representative or privateattorney general basis, without impairing the right toappeal such decision, this entire arbitration provision (otherthan this proviso) shall be null and void in such proceeding.
TRUTH IN LENDING DISCLOSURESAND COMPUTATION OF ANNUALPERCENTAGE RATES/FEESBranch Banking and Trust Company (hereinafter �we,��our,� and �us�) makes the following Truth in LendingDisclosures to Cardholder (hereinafter �you,� �your�).You agree that the rate and charges and methods ofcomputation and repayment in connection with use of theCard are as follows:1.  Computation of INTEREST on Purchases (Daily):(a) NoINTEREST is imposed on Purchases if the total newbalance as shown on your monthly periodic statementis paid in full within 25 days of the statement date.INTEREST is imposed on Balance Transfers from the dateof the transfer.
(b) Where payment of the total new balance is not madein full within 25 days (or when the new balance includesBalance Transfers),INTERESTwill be imposed on yourPurchase balance. We calculateINTERESTon this portionof your Account by applying the daily periodic rate tothe beginning daily balance for Purchases plus any newPurchases and fees (other than Cash Advance fees) and lessany payments or credits. To compute the daily balance forPurchases we take the beginning Purchase balance of youraccount each day, add any new Purchases, fees (other thanCash Advance fees) and anyINTERESTon the current day�sbalance, and we subtract any payments or credits. This givesus the daily balance. A Purchase appearing on your statementis considered a part of the outstanding balance from thedate of the transaction or, if posting occurs in the next billingcycle, then from the first day of the next billing cycle.
(c) See the Interest Rate and Interest Charges documentincluded with this mailing for theANNUAL PERCENTAGERATE.The daily periodic rate is the annual percentage ratedivided by 365.2.  Computation of INTEREST on Cash Advances (Daily):(a) INTEREST is imposed for each day that you have theCash Advance.
(b) The amount, which will be subject toINTEREST, is the daily balance of your Cash Advances during the billing
12 cycle. We calculate theINTERESTon this portion of yourAccount by applying the daily periodic rate to the beginningdaily balance for Cash Advances plus any new CashAdvances and Cash Advance fees and less any payments orcredits. To compute the daily balance for Cash Advances wetake the beginning Cash Advance balance of your accounteach day, add any new Cash Advances, any Cash Advancefees and anyINTERESTon the current day�s balance, andwe subtract any payments or credits. This gives us the dailybalance. A Cash Advance appearing on your statement isconsidered a part of the outstanding balance from the dateof the transaction or, if posting occurs in the next billingcycle, then from the first day of the next billing cycle.
(c) See the Interest Rate and Interest Charges documentincluded with this mailing for theANNUAL PERCENTAGERATE. The daily periodic rate is the annual percentage ratedivided by 365.3.  Computation of INTEREST with Special Rate (Daily):
(a) If we have special periodic rate offers in effect fromtime to time, we will separately identify them on yourmonthly statement and separately disclose on your monthlystatement the balance to which the special offers apply.These separate balances and the related periodic INTEREST will be calculated in the same manner as described abovefor the current or previous cycle transactions, as applicable.
(b) Special rate offers may apply to special conveniencechecks. If so, special convenience checks will be issuedand, if used, will be posted to the account as Purchases,withINTEREST imposed from the transaction date.(c) When a special rate offer expires, the annualpercentage rates under 1 (c) and/or 2(c) will apply.(d) If applicable, see the Interest Rate and InterestCharges document included with this mailing andincorporated by reference for the special introductoryANNUAL PERCENTAGE RATE. The special introductory dailyperiodic rate is the special annual percentage rate dividedby 365.4.  Computation of INTEREST on Purchases (Monthly):
(a) NoINTERESTis imposed on Purchases if the total newbalance as shown on your monthly periodic statement is paidin full within 25 days of the statement date.INTEREST is imposed on Balance Transfers from the date of the transfer.
(b) Where payment of the total new balance is not madein full within 25 days (or includes Balance Transfers),INTERESTwill be imposed on your Purchase balance. WecalculateINTERESTon this portion of your Account byapplying the monthly periodic rate to the Average DailyPurchase Balance. To determine the Average Daily PurchaseBalance of any account, we will take the beginningPurchase balance of the account each day, add any newPurchases (including Balance Transfers) and Fees (exceptCash Advance fees), and subtract any payment or credits.This produces the daily Purchase balance. Then, we add upthe daily Purchase balances for each day in the billing cycleand divide the total by the number of days in the billingcycle. This produces the Average Daily Purchase Balance.
A Purchase appearing on your statement is considered
13 a part of the outstanding balance from the date of thetransaction or, if posting occurs in the next billing cycle,then from the first day of the next billing cycle.(c) See the Interest Rate and Interest Charges documentincluded with this mailing for theANNUAL PERCENTAGERATE. The monthly periodic rate is 1/12 of the annualpercentage rate.5.  Computation of INTEREST on Cash Advances (Monthly):(a) INTEREST is imposed for each day that you have theCash Advance.
(b) The amount, which will be subject toINTEREST, is the Cash Advance Balance. We calculateINTERESTon this portion ofyour Account by applying the monthly periodic rate to AverageMonthly Cash Advance Balance. To determine the AverageDaily Cash Advance Balance of any account (including currenttransactions), we will take the beginning Cash AdvanceBalances of the account each day, add new Cash Advancesand Cash Advance fees and subtract any payments or credits.This produces the daily Cash Advances balance. Then, we addup the daily balances for each day in the billing cycle anddivide the total by the number of days in the billing cycle. Thisproduces the Average Daily Cash Advance balance. A CashAdvance appearing on your statement is considered a part ofthe outstanding balance from the date of the transaction or, ifposting occurs in the next billing cycle, then from the first dayof the next billing cycle.
(c) See the Interest Rate and Interest Charges documentincluded with this mailing for theANNUAL PERCENTAGERATE. The monthly periodic rate is 1/12 of the annualpercentage rate.6.  Computation of INTEREST with Special Rate (Monthly):
(a) If we have special periodic rate offers in effect fromtime to time, we will separately identify them on yourmonthly statement and separately disclose on your monthlystatement the balance to which the special offers apply.These separate balances and the related periodic INTEREST will be calculated in the same manner as described abovefor the current or previous cycle transactions, as applicable.
(b) Special rate offers may apply to special conveniencechecks. If so, special convenience checks will be issuedand, if used, will be posted to the account as Purchases,withINTEREST imposed from the transaction date.(c) When a special rate offer expires, the annualpercentage rates under 4 (c) and/or 5 (c) will apply.(d) If applicable, see the Interest Rate and InterestCharges document included with this mailing andincorporated by reference for the special introductoryANNUAL PERCENTAGE RATE. The special introductorymonthly periodic rate is  1/12 of the special annualpercentage rate.7.  Minimum INTEREST:  See the Interest Rate and InterestCharges document included with this mailing andincorporated by reference for the minimumINTERESTcharge.8.
Fees and Charges: These fees will be subject to the applicableINTERESTas provided in paragraphs 1, 2, 4 and 5 above.
14 (a) Annual Fee: See the Interest Rate and Interest Chargesdocument included with this mailing and incorporated byreference for the annual fee.(b) Late Payment Fee:  See the Interest Rate and InterestCharges document included with this mailing andincorporated by reference for the late payment fee.(c) Balance Transfer Fee: See the Interest Rate andInterest Charges document included with this mailing andincorporated by reference for the balance transfer fee.(d) Cash Advance Fee: See the Interest Rate and InterestCharges document included with this mailing andincorporated by reference for the cash advance fee.(e) Foreign Transaction Fee: See the Interest Rate andInterest Charges document included with this mailing andincorporated by reference for foreign transaction fee.(f) Return Payment Fee: See the Interest Rate and InterestCharges document included with this mailing andincorporated by reference for return payment fee.(g) Statement Copy Fee: See the Interest Rate and InterestCharges document included with this mailing andincorporated by reference for statement copy fee.
(h) Customer Requested Expedited Service Fee: See the InterestRate and Interest Charges document included with this mailingand incorporated by reference for customer requested expeditedservice fee.
9.  We retain no security interest in any property purchasedwith your Card.10.
You will not be liable for any unauthorized use of yourCard or Convenience Checks if you report the loss, theftor unauthorized use. Written notice should be provided toBranch Banking and Trust Company, P .O. Box 698, Wilson,North Carolina 27894-0698. Verbal notice should be givenby calling 1-800-476-4228. A transaction is consideredunauthorized if it is initiated by someone other than theCardholder without the Cardholder�s actual, implied, orapparent authority, and the Cardholder receives no benefitfrom the transaction. We may conduct an investigation ofyour claim, and we may deny your claim if we reasonablyconclude that the facts and circumstances do notreasonably support a claim of unauthorized use. We mayrequire you to provide a written statement, affidavit or otherinformation in support of your claim of unauthorized use. Ifyou do not provide supporting information within the timerequested or within a reasonable period of time if a date isnot stated, we may deny your claim of unauthorized.
YOUR BILLING RIGHTSKEEP THIS NOTICE FOR FUTURE USE
This notice contains important information regarding yourrights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Think You Find a Mistake On YourStatement
If you think there is an error on your statement, write to us at:
Customer ServicePO Box 30495Tampa FL 33630-3495
15 In your letter, give us the following information:�  Account information:  Your name and accountnumber;�  The posting date of the transaction in question;�  Dollar amount:  The dollar amount of the suspectederror; and�  Description of Problem:  If you think there is an erroron your bill, describe what you believe is wrong andwhy you believe it is a mistake.You must contact us within 60 days after the errorappeared on your statement.You must notify us of any potential errors in writing.You may call us, but if you do, we are not required toinvestigate any potential errors and you may have to paythe amount in question.While we investigate whether or not there has been anerror, the following are true:�  We cannot try to collect the amount in question, orreport you as delinquent on that amount.�
The charge in question may remain on your statement,and we may continue to charge you interest on thatamount. If we determine that we made a mistake, youwill not have to pay the amount in question or anyinterest or other fees related to that amount.
�  While you do not have to pay the amount inquestion, you are responsible for the remainder ofyour balance.�  We can apply any unpaid amount against your creditlimit.Your Rights and Our Responsibilities After We ReceiveYour Written NoticeWe must acknowledge your letter within 30 days, unlesswe have corrected the error by then. Within 90 days, wemust either correct the error or explain why we believe thestatement was correct.
After we receive your letter, we cannot try to collect anyamount you question or report you as delinquent. We cancontinue to bill you for the amount you question, includinginterest, and we can apply any unpaid amount against yourcredit limit. You do not have to pay any questioned amountwhile we are investigating, but you are still obligated to paythe parts of your statement that are not in question.If we find that we made a mistake on your statement, youwill not have to pay any interest related to any questionedamount. If we did not make a mistake, you may have to payinterest, and you will have to make up any missed paymentson the questioned amount. In either case, we will send you astatement of the amount you owe and the date that it is due.If you fail to pay the amount that we think you owe, we mayreport you as delinquent. However, if our explanation doesnot satisfy you and you write to us within ten days telling us
16 17that you still refuse to pay, we must tell anyone we reportyou to that you have a question about your statement. And,we must tell you the name of anyone we reported you to. Wemust tell anyone we report you to that the matter has beensettled between us when it finally is.If we do not follow these rules, we cannot collect the first$50 of the questioned amount, even if your statement wascorrect.Your Rights If You Are Dissatisfied With Your Credit CardPurchases
If you are dissatisfied with the goods or services that youhave purchased with your credit card and you have tried ingood faith to correct the problem with the merchant, youmay have the right not to pay the remaining amount due onthe purchase.To use this right, all of the following must be true:1. The purchase must have been made in your home stateor within 100 miles of your current mailing address, andthe purchase price must have been no  more than $50.(Note: Neither of these is necessary if your purchase wasbased on an advertisement we mailed to you, or if weown the company that sold you the goods or services.)2. You must have used your credit card for the purchase.Purchases made with cash advances from an ATM orwith a check that accesses your credit card account donot qualify.3. You must not yet have fully paid for the purchase.If all of the criteria above are met and you are stilldissatisfied with the purchase, contact us in writing at:Customer ServicePO Box 30495Tampa FL 33630-3495While we investigate, the same rules apply to thedisputed amount as discussed above.  After we finish ourinvestigation, we will tell you our decision.  At that point,if we think you owe an amount and you do not pay, we mayreport you as delinquent.MasterCard and Visa Credit Cards are issued by Branch Bankingand Trust Company, Member FDIC and Equal Housing Lender. Rev. 11/19 I002804 - Standard Visa/MC