The pric ing addendum for the BB&T Spectrum Cash Rewards Secured Retail Credit Card is accurate as of 
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 In terest 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�$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....................................................3SECURITY AGREEMENT FOR SAVINGSACCOUNTS/SAVINGS INSTRUMENTS ..............3TERMS USED IN AGREEMENT......................4AGREEMENT BETWEEN BANK ANDCARDHOLDER.............................................4ARBITRATION AGREEMENT........................11TRUTH IN LENDING DISCLOSURES ANDCOMPUTATION OF ANNUAL PERCENTAGERATES/FEES.....................................................13YOUR BILLING RIGHTS..............................16 MASTERCARD/VISA CONSUMER CARDHOLDERAGREEMENT AND TRUTH IN LENDING DISCLOSURESThis Cardholder Agreement and Truth in Lending Disclosures(�Agreement�) applies to any MasterCard Card or VisaCard (�Card�) previously issued, or to be issued, by BranchBanking and Trust Company (�Bank�). This Agreement alsogoverns the issuance and use of �Convenience Checks�(�Convenience Checks�), Balance Transfers, and the use ofyour Cardholder Account to provide Overdraft Protection.SECURITY AGREEMENT FOR SECUREDCREDIT CARD SAVINGS ACCOUNT
   Under this Security Agreement, you hereby grant interest,pledge, and assign collateral for your Secured Credit CardAccount (�Account�). As a condition of opening this Account,you must maintain funds as a security interest (�SecurityInterest�) in the Secured Credit Card Savings Account (�SecuredSavings Account�) in your name with Branch Banking andTrust Company (�Bank�) to be held as collateral. This SecurityInterest must be in an amount that is equal to the approvedcredit limit before the Account may be opened. The SecuredSavings Account opened at Bank used as the Security Interesthereunder shall be referred to hereinafter as the �SecuredSavings Account� and the terms of this Security Agreementare incorporated by reference into the BB&T MasterCard/VisaConsumer Cardholder Agreement and the Interest Rate andInterest Charges document (�Cardholder Agreement�).
You acknowledge and agree that the Security Interest, pledge,and assignment in the Secured Savings Account holding yourfunds as collateral is to secure payment of all of your existingand future obligations under your Cardholder Agreement and yourAccount. You grant the Bank an interest in all renewals, additions,proceeds, modifications, substitutions, and replacements of theSecured 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 SecuredSavings Account upon any default under the Cardholder Agreementor in the event your Account is terminated for any reason. Thismeans that the Bank has exclusive control over the SecuredSavings Account and, if the Account closes for any reason, theBank may immediately apply funds in the Secured Savings Accountto pay off any balance on the Account without giving you priornotice. These funds, however, are not held in trust for you. 
If the Bank chooses not to, or otherwise fails to apply your funds inthe Secured Savings Account toward amounts owed on the Accountor otherwise owed under your Cardholder Agreement, you agree that:(a) the Bank does not waive any right it has to do so at any latertime, and to the extent not prohibited by law, the Bank may applysuch funds at any time, in its sole discretion; and (b) you are notexcused from performance or payment of any obligation owing withrespect to the Account or under your Cardholder Agreement.
Once the Account is opened, you will not be able to lower thecredit limit. However, you may choose to close your Account at anytime.If your Account is closed, the full amount of the SecuredSavings Account may be applied to the outstanding balance.If your Account is closed, your Secured Savings Account will beconverted into a Regular Savings Account.
3  The funds held as collateral in the Secured Savings Account maynot be available for up to30 business daysfollowing the payoffand closure of the Account. You are responsible for any amount duethat exceeds the Security Interest in the Secured Savings Account.
You acknowledge that the terms and conditions herein arein addition to the terms and conditions set forth by the BankServices Agreement and the BB&T Personal Services PricingGuide for your Secured Savings Account. If any provisions in thisSecurity Agreement related to Security Interest shall conflict withany terms or provisions of any other agreement with Bank, theprovisions of this Security Agreement, as it relates to SecurityInterest, shall govern over any provisions in other agreements.You also acknowledge receipt of the BB&T Corporation ConsumerPrivacy Notice. Separate from these disclosures, you willreceive the Cardholder Agreement, which includes this SecurityAgreement for Secured Savings Accounts, with your credit card.
TERMS USED IN AGREEMENT
The following words have the following meanings in this Agreement:(a) �Cardholder� means any individual(s), firm, partnership,or corporation who applies for, signs, accepts, uses, retains, orauthorizes the use of the Card (hereinafter �you,� �your�); (b)�Cardholder Account� or �Account� means the credit account oraccounts established by Bank for Cardholder for all transactionsunder this Agreement as a result of issuance of either a MasterCardCard or Visa Card; (c) �Cash Advance� means a loan thatCardholder obtains from Bank using any of the methods specifiedin this Agreement; (d) �Purchase� means a purchase of goods soldor services of any kind from a seller or provider of goods or services;(e) �Maximum Credit Limit� means the total dollar amount Bankapproves against which the Cardholder may make Purchasesthrough the use of Cards; (f) �Cash Advance Limit� means thatportion of the Maximum Credit Limit against which the Cardholdermay get Cash Advances through any of the methods specified inthis Agreement; (g) �Merchant� means a business displaying theMasterCard and/or Visa signs; (h) �Overdraft Protection� means aservice for qualified checking account clients of Bank�s affiliatedfinancial institutions, which protects your designated checkingaccounts from overdrafts and rejected items by making automaticCash Advances from your Cardholder Account.
AGREEMENT BETWEEN BANK AND CARDHOLDERCardholder agrees to be bound by the following terms, conditions,
and disclosures, which shall constitute the Agreement
between Bank and Cardholder. By accepting and using theCard or a Convenience Check, or any feature of the Account,or by electronically agreeing to the terms of this Agreement,the Cardholder expressly agrees to be bound by the provisionsof this Agreement and to the rates and charges applicable tothe use of the Card, the Convenience Checks and any otherfeature or transaction applicable to the Account. Cardholderacknowledges that this Account s to be used primarily forpersonal, family and household purposes
.
4 COMMUNICATIONS CONSENT
You 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 dialingsystems. You agree that Bank and our affiliates, agents,assignees and service providers may use any email addressor any telephone number you provide, now or in the future,including a number for a cellular phone or other wirelessdevice, regardless of whether you incur charges as a result.For any wireless (cell phone) number you provide, yourepresent that you are the subscriber or are authorizedto consent to these communications on behalf of thesubscriber. You agree that Bank may monitor and record anytelephone calls to assure the quality of our service or forother business reasons, and that you will advise us if yourcontact 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 used inthe ordinary course of business, and (iv) no paper version of theAuthoritative Copy will be executed, although you may print a copyof 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 similar toregular checking account checks. The only party authorized to
5 sign a Convenience Check shall be the Cardholder regardless ofwhether other individuals are authorized to receive extensionsof credit under this Agreement. Other than Convenience Checksand personal checks drawn on a checking account for whichCardholder has obtained Overdraft Protection, no other checksmay be used to obtain Cash Advances, and when paid by Bankthey will constitute a Cash Advance which will be debited toCardholder�s account. Bank shall not be obligated to certify anyConvenience Check issued under this Agreement. ConvenienceChecks may only be written in U.S. Dollars. Also, Bank shall notbe obligated to pay a Convenience Check if such payment willoverextend Cardholder�s credit limit or if Cardholder�s accountis not in good standing. A Convenience Check cannot be usedto make a payment on your Cardholder Account.
4.Cardholders who are also qualifying checking account clientsmay elect to utilize their Cardholder Account to provide OverdraftProtection for one or more qualifying checking accounts. If youhave elected to use your Cardholder Account to provide OverdraftProtection, automatic Cash Advances will be made against theCredit Card Account to cover overdrafts in designated checkingaccounts. The presentation of any check signed by any personauthorized to draw checks upon any checking accounts for whichyou have elected Overdraft Protection or the assessment of anyother charges against the checking accounts in excess of thebalance in the checking accounts constitutes an authorizationfor a Cash Advance to be made under this Agreement. We havethe sole discretion to determine whether to advance funds to thechecking accounts in the amount needed to cover each overdraftamount item, up to the established Cash Advance Limit, topay checks, drafts, or any other charges when there is not asufficient balance in the checking accounts at the time suchchecks, drafts, or other charges are presented or made. Bankmay refuse to authorize any Cash Advance in connection withOverdraft Protection if the Cardholder Account is not in goodstanding or if the Cash Advance would exceed the Cash AdvanceLimit. 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�s debt toBank greater than the credit limit set by Bank from time to time.
6.Upon request, Cardholder may transfer outstanding balances fromother credit cards to the Card (�Balance Transfer�). Cardholderhas 10 days from the date the Account was opened to call Bankat 1-800-476-4228 to cancel any Balance Transfers. BalanceTransfer processing time may vary so please continue to pay theminimum amount due until the Balance Transfer amount appearson the billing statement from your other creditor(s). All BalanceTransfers will be posted to the Cardholder�s Account as a Purchase,with the Balance Transfers considered a part of the outstandingbalance from the date of the transfer. Bank may charge a BalanceTransfer Fee. Please see the Interest Rate and Interest Chargesdocument for any applicable Balance Transfer Fee.
6 7. The Bank at its discretion may from time to time increasethe credit limit of the cardholder.8.
The Bank may at anytime decrease the credit limit of thecardholder if the Bank deems repayment of the debt to be atrisk or if the performance by the client is deemed impaired.
9.Bank may charge an annual fee to Cardholder�s account, inadvance, whether or not the Card is used to obtain extensionsof credit. The amount of the annual fee will be as specified fromtime to time by notice or disclosure given by 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 any
7 adjustments for, or returns of, goods or services purchased. Anyadjustment, return or refund in connection therewith shall beaccomplished 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 following eventsoccur: (a) default by Cardholder in making any payment whendue and payable, (b) default by Cardholder under any provisionof this Agreement, or any other agreement Borrower may havewith Bankcard or any of its affiliated banks (c) Cardholder�sdeath, insolvency or making an assignment for the benefitof creditors, (d) a petition being filed or any other proceedingbeing commenced under the Federal Bankruptcy Code or anystate insolvency statute by or against Cardholder, or (e) areceiver being appointed for, or a writ or order of attachment,levy or garnishment being issued against Cardholder or any ofCardholder�s property, assets or income, (f) or in the event Bankshall deem itself or the debt unsafe or insecure or deems thatthe prospect of payment or performance by customer is impaired,(g) or if any of the undersigned or any Obligor shall fail tofurnish information to Bank sufficient to verify the identity of theundersigned or any Obligor as required under the USA PATRIOTAct then, at Bank�s option, all amounts from Cardholder to Bankshall become immediately due and payable and in any suchevent Cardholder agrees to pay all costs of collection permittedby applicable law, including reasonable attorneys� fees, incurredby Bank in connection therewith.
8 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 periodic paymentno later than the due date as indicated on the monthly periodicstatement provided by Bank. Bank may withhold availability ofcredit until the payment of the item presented has been collected.If Cardholder is late making the payment, Bank may, at its option,charge the late payment fees as disclosed in paragraph 8 (b) of theTruth in Lending Disclosures, in addition to the Interest Cardholderowes under this Agreement.
Payments made in proper form as follows will be creditedas of the date of receipt:�
At any BB&T financial center during normal businesshours
� Through BB&T Phone24 by 6 pm EST� Through BB&T Online Banking or BB&T Mobile by 7pm EST� By mail if received by 5 pm EST � please allow atleast 5 Business Days for delivery22. The Bank will apply your payment in the following order:Interest, Fees, and balances from highest to lowest APR.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 any ofyour 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 credit madeto your Account in currency other than U.S. dollars. The conversionrate will be determined under Visa or MasterCard regulations.The conversion rate may differ from the rate on the date of yourtransaction. Currently, Visa and MasterCard use a currencyconversion rate of either: (1) a wholesale market rate, or (2) agovernment-mandated rate. Visa and MasterCard use, under theirrespective regulations, either the rate in effect on (1) the datethe transaction is processed or (2) the day before the date thetransaction is processed. Bank may charge a foreign transactionfee for transactions made or processed outside the U.S. as listedin paragraph 8(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 bothnew Purchases and Cash Advances and any unpaidbalance and accruedINTEREST at the time the change is
9 effective. We will provide you with notice of the change tothe extent required by law.26.
Disputed Accounts:Bank will not be obligated to accept anycheck, money order or other payment instrument marked �paymentin full� delivered on any disputed account, loan balance, fee orexpense owed, and Bank expressly reserves the right to reject allsuch payment instruments. All communications concerning anydisputed amounts owed, including without limitation any paymentinstrument tendered in good faith as full satisfaction of amountowed, 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 pay
any disputed amount due hereunder in full, to the address
designated above, the obligation referred to will not be satisfied,and shall be deemed not to have been in good faith, even if such
payment instrument is inadvertently processed by Bank.27.
Accuracy of Credit Information:Bank regularly and in thenormal course of business reports its credit experience withits customers to the major credit bureau repositories. Shouldyou believe that information we have reported about the credithistory of your Account(s) is inaccurate, please notify us atthe 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 specificexplanation of what information 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 time yourcredit reports for any legitimate purpose associated with theaccount or the application or request for an account, includingbut not limited to reviewing, modifying, renewing and collectingon your account. On your request, you will be informed if such areport was ordered. If so, you will be given the name and addressof the consumer reporting agency furnishing the report. New Yorkresidents may contact the state banking department to obtain acomparative listing of credit card rates, fees and grace periods.New York State Banking Department: 1-800-518-8866.Ohio Residents: The Ohio laws against discriminationrequire that all creditors make credit equally available to allcreditworthy customers and that credit reporting agenciesmaintain separate credit histories on each individual uponrequest. The Ohio Civil Rights Commission administerscompliance with this law.
Utah Residents: As required by Utah law, you are herebynotified that a negative credit report reflecting on your
10 credit 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 any maritalproperty agreement, unilateral statement, or court orderapplying to marital property will adversely affect a creditor�sinterests unless prior to the time credit is granted, thecreditor is furnished with a copy of the agreement, statementor court order, or has actual knowledge 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 introductory orpromotional rates and fees for a specified period of time thatwill be disclosed in your Interest Rate and Interest Chargesdocument. If your Account is eligible, Bank may, from timeto time, offer introductory or promotional rates and feesafter your Account is opened. The terms of that offer willbe disclosed to you at that time and may differ from anyprior introductory or promotional offers. After introductory orpromotional rates and fees expire, the remaining balanceswill be subject to your standard applicable APR and fees.
ARBITRATION AGREEMENT
The 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 subject tothe provisions of the Military Lending Act, 10 U.S.C. � 987 and itsimplementing 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, that isfiled in any court and that arises out of or relates to thisAgreement or Cardholder�s application for a Card, or the breach,termination, enforcement, interpretation or validity thereof,including the determination of the scope or applicability ofthis agreement to arbitrate, shall be determined by arbitrationbefore one arbitrator at a location mutually agreed upon in thestate where your account is maintained, or as may be otherwiserequired under the JAMS Minimum Consumer Standards, which
is incorporated by reference herein. The arbitration shall beadministered by JAMS pursuant to its Streamlined ArbitrationRules & Procedures. Judgment on an award may be entered inany court having jurisdiction. This clause shall not precludea party from seeking provisional remedies in aid of arbitrationfrom a court of appropriate jurisdiction.  The arbitrator may,
11 in its award, allocate all or part of the costs of the arbitration,including the fees of the arbitrator and the reasonable attorneys�fees of the prevailing party. Notwithstanding other language inthis agreement, a party retains the right to bring an action insmall claims court if it is within the jurisdictional limits of thatcourt. If a party elects arbitration, it may be conducted as anindividual action only.  This means that even if a demand for aclass action lawsuit, class arbitration, or other representativeaction (including a private attorney general action) is filed, thematter will be subject to individual arbitration. Either party maybring a summary or expedited motion to compel arbitration orto stay 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 shall notbe construed as a waiver of the right to arbitration.  If a partyelects to arbitrate it shall provide notice to the other party.  TheBank shall provide notice to you at the address we have in ourrecords, and you may provide notice to: Litigation Practice GroupManager, BB&T Legal Department, P .O. Box 1255, Winston-Salem, NC 27102. You may obtain a copy of the rules of thearbitration administrator, including information about consumerarbitration, fees, and instructions for initiating arbitration bycontacting JAMS at www.jamsadr.com. Phone: 800-352-5267.You and the Bank each agree that under this Agreement, you andthe Bank are participating in transactions involving interstatecommerce which shall be governed by the provisions of theFederal Arbitration Act, Title 9 of the United States Code (�FAA�)and not by any state law concerning arbitration. The arbitratorshall follow applicable substantive law to the extent consistentwith the FAA, applicable statutes of limitation and applicableprivilege rules, and shall be authorized to award all availableremedies, including without limitation, damages (to the extentnot limited by this Agreement), declaratory, injunctive and otherequitable relief, and attorneys� fees and costs. The arbitratorshall follow rules of procedure and evidence consistent with theFAA, this provision, and the administrator�s rules.
Any court with jurisdiction may enter judgment upon thearbitrator�s award. The arbitrator�s award will be final andbinding, except for any appeal right under the FAA. Unlessapplicable law provides otherwise, the appealing party will paythe cost of appeal, regardless of its outcome. However, we willconsider in good faith any reasonable written request for us tobear the cost of your appeal. We will pay any fees or expenseswe are required by law to pay or in order to make this arbitrationprovision enforceable.This arbitration provision shall survive termination orsuspension of the Account or this Agreement, and shall survivepayment of Cardholder�s obligations under this Agreement ortermination of any or all Cards. If any portion of this arbitrationprovision is deemed invalid or unenforceable, it shall notinvalidate the remaining portions of this arbitration provision orAgreement; provided, however, if the limitations on class actionsare struck in a proceeding brought on a class, representativeor private attorney general basis, without impairing the right
12 to appeal such decision, this entire arbitration provision (otherthan this proviso) shall be null and void in such proceeding.
TRUTH IN LENDING DISCLOSURES AND COMPUTATION OFANNUAL PERCENTAGE RATES/FEES
Branch Banking and Trust Company (hereinafter �we,� �our,�and �us�) makes the following Truth in Lending Disclosuresto Cardholder (hereinafter �you,� �your�). You agree thatthe rate and charges and methods of computation andrepayment in connection with use of the Card are as follows:
1.  Computation of INTEREST on Purchases (Daily):
(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 made in fullwithin 25 days (or when the new balance includes BalanceTransfers),INTEREST will be imposed on your Purchase balance.We calculateINTEREST on this portion of your Account byapplying the daily periodic rate to the beginning daily balancefor Purchases plus any new Purchases and fees (other than CashAdvance fees) and less any payments or credits. To computethe daily balance for Purchases we take the beginning Purchasebalance of your account each day, add any new Purchases, fees(other than Cash Advance fees) and anyINTERESTon the current day�s balance, and we subtract any payments or credits. This givesus the daily balance. A Purchase appearing on your statement isconsidered a part of the outstanding balance from the date of thetransaction or, if posting occurs in the next billing cycle, then fromthe first day of the next billing cycle.
(c)See the Interest Rate and Interest Charges document includedwith this mailing for theANNUAL PERCENTAGE RATE.The daily periodic rate is the annual percentage rate divided 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 cycle.We calculate theINTERESTon this portion of your Account byapplying the daily periodic rate to the beginning daily balancefor Cash Advances plus any new Cash Advances and CashAdvance fees and less any payments or credits. To compute thedaily balance for Cash Advances we take the beginning CashAdvance balance of your account each day, add any new CashAdvances, any Cash Advance fees and anyINTERESTon the current day�s balance, and we subtract any payments or credits.This gives us the daily balance. A Cash Advance appearing onyour statement is considered a part of the outstanding balancefrom the date of the transaction or, if posting occurs in the nextbilling cycle, then from the first day of the next billing cycle.
(c)See the Interest Rate and Interest Charges document includedwith this mailing for theANNUAL PERCENTAGE RATE. The daily periodic rate is the annual percentage rate divided 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 monthly
13 statement 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 issued and,if used, will be posted to the account as Purchases, withINTEREST imposed from the transaction date.(c) When a special rate offer expires, the annual
percentage rates under 1 (c) and/or 2(c) will apply.(d) If applicable, see the Interest Rate and Interest Chargesdocument included with this mailing and incorporated byreference for the special introductoryANNUAL PERCENTAGERATE. The special introductory daily periodic rate is thespecial annual percentage rate divided by 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 made in fullwithin 25 days (or includes Balance Transfers), INTERESTwill be imposed on your Purchase balance. We calculate INTEREST on this portion of your Account by applying the monthly periodicrate to the Average Daily Purchase Balance. To determine theAverage Daily Purchase Balance of any account, we will takethe beginning Purchase balance of the account each day, addany new Purchases (including Balance Transfers) and Fees(except Cash Advance fees), and subtract any payment orcredits. This produces the daily Purchase balance. Then, weadd up the daily Purchase balances for each day in the billingcycle and 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 considereda 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 PERCENTAGE RATE. The monthly periodic rate is 1/12 of the annual percentage 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,i st h eC a s h Advance Balance. We calculateINTERESTon this portion of yourAccount by applying the monthly periodic rate to Average MonthlyCash Advance Balance. To determine the Average Daily CashAdvance Balance of any account (including current transactions),we will take the beginning Cash Advance Balances of the accounteach day, add new Cash Advances and Cash Advance fees andsubtract any payments or credits. This produces the daily CashAdvances balance. Then, we add up the daily balances for eachday in the billing cycle and divide the total by the number ofdays in the billing cycle. This produces the Average Daily CashAdvance balance. A Cash Advance appearing on your statement isconsidered a part of the outstanding balance from the date of the
14 transaction or, if posting occurs in the next billing cycle, then fromthe 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.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 Interest Chargesdocument included with this mailing and incorporated byreference for the special introductoryANNUAL PERCENTAGERATE. The special introductory monthly periodic rate is1/12 of the special annual percentage 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.
(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 Interest Chargesdocument included with this mailing and incorporated by referencefor 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.
15 10.You will not be liable for any unauthorized use of your Card orConvenience Checks if you report the loss, theft or unauthorizeduse. Written notice should be provided to Branch Banking andTrust Company, P .O. Box 698, Wilson, North Carolina 27894-0698.Verbal notice should be given by calling 1-800-476-4228. Atransaction is considered unauthorized if it is initiated by someoneother than the Cardholder without the Cardholder�s actual, implied,or apparent authority, and the Cardholder receives no benefitfrom the transaction. We may conduct an investigation of yourclaim, and we may deny your claim if we reasonably concludethat the facts and circumstances do not reasonably support aclaim of unauthorized use. We may require you to provide a writtenstatement, affidavit or other information in support of your claimof unauthorized use. If you do not provide supporting informationwithin the time requested or within a reasonable period of time if adate is not stated, we may deny your claim of unauthorized.
YOUR BILLING RIGHTSKEEP THIS NOTICE FOR FUTURE USEThis notice contains important information regarding your
rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Think You Find a Mistake On YourStatement
If you think there is an error on your statement, write to us at:
Customer ServicePO Box 30495Tampa FL 33630-3495In your letter, give us the following information:   �   Account information: Your name and account number;   �   The posting date of the transaction in question;   �   Dollar amount: The dollar amount of the suspected        error; and� Description of Problem: If you think there is an erroron your bill, describe what you believe is wrong and        why 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 yourstatement, and we may continue to charge youinterest on that amount. If we determine that wemade a mistake, you will not have to pay the amountin question or any interest or other fees related to             that amount.�   While you do not have to pay the amount in question,you are responsible for the remainder of your balance.   �
We can apply any unpaid amount against your credit limit.
16 17Your Rights and Our Responsibilities After We ReceiveYour Written Notice
We must acknowledge your letter within 30 days, unless we havecorrected the error by then. Within 90 days, we must either correctthe error or explain why we believe the statement 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 may reportyou as delinquent. However, if our explanation does not satisfyyou and you write to us within ten days telling us that you stillrefuse to pay, we must tell anyone we report you to that you havea question about your statement. And, we must tell you the nameof anyone we reported you to. We must tell anyone we report youto that the matter has been settled between us when it finally is.
If we do not follow these rules, we cannot collect the first $50of the questioned amount, even if your statement was correct.
Your Rights If You Are Dissatisfied With Your Credit CardPurchases
If you are dissatisfied with the goods or services that you havepurchased with your credit card and you have tried in good faithto correct the problem with the merchant, you may have theright not to pay the remaining amount due on the 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 33630-3495 Rev. 11/19 I002805 - Secure CardWhile 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.