The pricing addendum for the Truist Enjoy Beyond Credit Card is accurate as of October 12, 2021. 
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% t o 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 l east 25 days after the close of each billing cycle. We will not c harge you 
any interest on purchases if you pay 
your entire balance by the due date each month. We 
will begin charging Interest on Cash Advances and Balance Transfers  on the transaction 
date. 
Minimum Interest Charge  None  
Fees  
Annual Fee  $195*  
Transaction Fees  
Balance T ransfer 
�Cash Advance
�Foreign Transaction
$10.00 or 3% of the amount of the transfer, whichever i s greater.  
$10.00 or 4% of the amount of each advance, whichever is greater. 
None 
Penalty Fees  
�Late P ayment
�Return Payment�Up to $40
�None
How We Will Calculate Your Balance: We use a method called � average daily balance� (including new transactions).  
Prime Rate Information:  The Prime Rate used to determine your APR is a v ariable rate and is the highest prime rate 
published in the �Money Rates� section of the U.S. edition of The Wall Street Journal as of the first day of the month in which 
your billing cycle ends . If the Prime Rate changes, Bank will apply the new Prime Rate starting on the first day of the billing 
cycle in which the change occurs and will apply the new APR to both existing balances and any  new transactions made 
during that billing cycle. The APR will equal the Prime Rate plus your applicable margin. A  margin is the percentage points 
that we add to the Prim e Rate to calculate the APR. For each of your  billing cycles, the Bank will use the Prime Rate that is 
published on the first day of the month in which your billing cycle ends  in order to calculate your APR for that billing cycle. In 
the event the Prime Rate is not published on the first day of the month in which your billing c ycle ends, the Prim e Rate 
published most recently prior to that date will be the effective Prim e Rate. An increase or dec rease in the Prime Rate will 
cause a corresponding increase or decrease in your variable APRs, interes t that you pay and your  minimum payment due 
amount. If the Prime Rate is no longer published or is not available, B ank, at their sole dis cretion, may substitute a s imilar 
index. The Prime Rate is  currently 3.25% as of October 12, 2021; however, the Prime Rate is s ubject to change. To obtain 
current information about changes to the Prime Rate, contact your local Truist branch office or write: Truist, PO Box  698, 
Wilson, NC 27894-0698, or call 844-4TRUIST (844-487-8478).
* We will waive the Annual Fee if � at the time we charge the Annual Fee for a given year � an Account Holder is a Wealth  
Client (Signature, Reserve, or GenSpring) and has an assigned Truist Wealth advisor. Consumer Credit Card Agreement 
Section 1: Your Agreement with Us  ................................ ................................ ................................ ......... 1
Entire Agreement .............................................................................................................................................................................. 1
Communications Consent ............................................................................................................................................................. 1
Section 2: Your Account  ................................ ................................ ................................ ............................ 1
Account Use ....................................................................................................................................................................................... 1
Authorized Users ............................................................................................................................................................................... 1
Illegal Transactions ........................................................................................................................................................................... 1
Truist Not Obligated to Authorize a Transaction  .................................................................................................................... 1
Credit Limits ........................................................................................................................................................................................ 1
Credit Limit Increases and Decreases  ....................................................................................................................................... 1
Convenience Checks ....................................................................................................................................................................... 1
Section 3: Amendment ................................ ................................ ................................ ..............................  2
Amendments and Change(s) in Terms  ..................................................................................................................................... 2
Governing Law .................................................................................................................................................................................. 2
Section 4: Interest Charges  ................................ ................................ ................................ .....................  2
Calculating Interest Charges  ....................................................................................................................................................... 2
Grace Period ...................................................................................................................................................................................... 2
Purchases ........................................................................................................................................................................................... 3
Cash Advances ................................................................................................................................................................................. 3
Overdraft Protection Transfer  ..................................................................................................................................................... 3
Foreign Currency Exchange ........................................................................................................................................................ 3
Balance Transfers ............................................................................................................................................................................ 3
Promotional Offers and Their Balances  .................................................................................................................................... 3
Section 5: Additional Fees  ................................ ................................ ................................ ........................  3
Annual Fee .......................................................................................................................................................................................... 4
Balance Transfer Fee ...................................................................................................................................................................... 4
Cash Advance Fee ........................................................................................................................................................................... 4
Late Payment Fee ............................................................................................................................................................................ 4
Foreign Transaction Fee ................................................................................................................................................................ 4
Section 6: Making Payments  ................................ ................................ ................................ ....................  4
Payment Instructions ...................................................................................................................................................................... 4
Making Payments and What Happens if You Pay Late ........................................................................................................ 4
How Truist Will Apply Payment  ................................................................................................................................................... 4
Section 7: Account Closure, Default, Your Affirmative Obligations  ................................ ...............  4
Termination/Closure/Suspending the Account  .................................................................................................................... 4
When the Account is in Default  ................................................................................................................................................... 5
Truist�s Rights Upon Your Default ............................................................................................................................................... 5
Your Affirmative Obligations to Truist  ....................................................................................................................................... 5
Section 8: Credit Inquiry and Confidential Information  ................................ ................................ .... 5
Credit Inquiries and Reporting  .................................................................................................................................................... 5
Confidential Information ............................................................................................................................................................... 5
Authorized Disclosure .................................................................................................................................................................... 5
Privacy Information ......................................................................................................................................................................... 6
Section 9: Lost/Stolen Card and Liability for Unauthorized Use  ................................ .....................  6
Lost/Stolen Card or Check ........................................................................................................................................................... 6
Liability for Unauthorized Use ...................................................................................................................................................... 6
Section  10: Additional  Important Information  ................................ ................................ .....................  6
Assignment ........................................................................................................................................................................................ 6
Truist�s Enforceability of Our Rights  .......................................................................................................................................... 6
Headings ............................................................................................................................................................................................. 6
State Specific Disclosures ............................................................................................................................................................ 6
Section  11: Military Lending Act  ................................ ................................ ................................ ...............  6
Statement of MAPR ......................................................................................................................................................................... 6
Oral Disclosures ................................................................................................................................................................................ 6
Section 12: Mutual Arbitration Agreement  ................................ ................................ ...........................  6
Claims Subject to Arbitration  ....................................................................................................................................................... 7
Special Definition of �We,� �Us,� �Our,� and �Parties�  ........................................................................................................... 7
Excluded Claim or Proceeding .................................................................................................................................................... 7
Federal Arbitration Act ................................................................................................................................................................... 7
Arbitration Procedures ................................................................................................................................................................... 7
JURY TRIAL WAIVER......................................................................................................................................................................... 9
LITIGATION CLASS ACTION WAIVER  ......................................................................................................................................... 9
Section  13: Your Billing Rights  ................................ ................................ ................................ .................  9
What to do if you find a mistake on your Statement  ........................................................................................................... 9
What will happen after Truist receives your letter  ................................................................................................................ 9
Your rights if you are dissatisfied wi th a Purchase ............................................................................................................... 9
Section 14: Definitions  ................................ ................................ ................................ .............................  10Enjoy Beyond Credit Card Consumer Credit Card Agreement, page 1 
Section 1: Your Agreement with Us  
This Consumer Credit Card Agreement (�CCCA�) governs your Truist Credit Card Account with Truist Bank (�Truist� or �Bank� or �we� or �us� or �our�); your contract with Truist is collectively comprised of and incorporates by reference this CCCA, the Truist Consumer Credit Card Terms and Disclosures, any rewards program terms and conditions, your application, Statements, change in terms notices, and the documents that accompany the delivery of your Card (s), including any of these that may be amended from time to time (collectively herein referred to as the �Agreement�).  The Agreement is effective upon the earlier of: (i) thirty (30) days after we open the Account and issue Card(s) to you or (i i) the first use of a Card or the Account by you or any Authorized User. Unless otherwise specified, capitalized terms shall have the meanings ascribed to them within this CCCA.  Entire Agreement The Agreement constitutes the entire Agreement between you and Truist regarding the Account and supersedes any prior negotiat ion or understanding between you and Truist concerning the subject matter of the Agreement. The Agreement may be amended from time to time in accordance with applicable law and by any change in terms that Truist will deliver to you (in writing (including emai l), in a Statement, or via an update to Agreement terms that we publish at Truist.com.  Truist will issue and deliver the Card(s) to you. You are liable for all Transactions made through the use of the Account (in cluding through use of a Card(s) associated with the Account) and any fees, interest charges, Balances, and other amounts associated with or due on the Account.  Communications Consent You expressly consent and agree that Truist and our affiliates, agents, assignees, and service providers may use wri tten, electronic, or verbal means to contact you about the Cards and the Account. This consent includes, but is not limited to, contact by any of the following: manual callin g methods, prerecorded or artificial voice messages, text messages, emails, or automatic telephone dialing systems.  You agree that Truist and our affiliates, agents, assignees, and service providers may use any email address or any telephone  number you provide, now or in the future, including a number for a cellular phone or other wire less device, regardless of whether you incur charges as a result.  For any wireless (mobile phone) number you provide, you represent that you are the subscriber or are authorized to consent to  these communications on behalf of the subscriber. You agree that Truist may monitor and record any telephone calls to assure the quality of our service or for other business reasons. You a gree to advise us if your contact information changes.  Some of the legal purposes for calls and messages you may receive from Truist include: suspected fraud or identity theft; obtaining information related to the Account; Transactions or servicing of your Account; collecting on the Account; and providing information about services related to your Account.  
Section 2: Your Account 
Account Use You agree that you and any Authorized User(s) will use the Account and each Card to make legal Transactions.  Authorized Users Each and every person you authorize to use a Card or the Account is an Authorized User. We may require certain information  about the Authorized Users identified by you. To the extent allowed by applicable law, you are liable for all use of the Card(s) and the Account by each and every Aut horized User and anyone else you or an Authorized User allows (directly or indirectly) to  use the Card(s) or the Account. Using our sole discretion and without prior notice, we may limit the ability of any Authorized User to use the Card(s) or the Account. Each Cardholder is an Authorized User, but one does not need to be a Cardholder to be an  Authorized User.  Illegal Transactions You or any Authorized User must not use or attempt to use the Card(s) or the Account for any illegal activity. It is not Truist�s responsibility to make sure you
 and any Authorized Users only use the Account for lega l Transactions. You are responsible for paying for all Transactions made using the Card(s) and Account, plus any fees, interest charges, balances, and other amounts associated with or due on the Account, regardless of whether they are legal. Tr uist will not be liable if you or any Authorized User engages in an illegal Transaction or activity related to the Account. If any illegal use or activity occurs related to the Account, you also agree to waive any right to sue Truist for such illegal use or any activity directly or indirectly related to it; you also agree to indemnify and hold Truist harmless from any suits or other legal action or liability, directly or indirectly, resulting from such illegal use.  
Truist Not Obligated to Authorize a Transaction  Truist may decline to authorize any Transaction for any reason. Truist may also reject payment on any Convenience Check. Trui st is not liable for any consequences as a result of these actions. Truist is also not responsible for any losses you incur if anyone refuses to accept your attempted use of the Account, a Balance Transfer request, Cash Advance, a Convenience Check, or a Card for any reason.  Credit Limits The Account will be assigned a revolving Credit Limit applicable to the collective use of the Account across all Card(s). We may also assign different credit limits for the different Transaction types you may make on the Account. You are responsible for keeping track of all Balances and available credit associated with the Account. You must manage the Account to remain below the Credit Limit and any other credit limit controls imposed on the Account.  Truist will assign a portion of the Credit Limit to be available for you to make Cash Advances; this is known as the Cash Adv ance Credit Limit for the Account. This Cash Advance Credit Limit may be modified by the Bank from time to time in our sole discretion, based on a number of ris k-based factors. Once assigned, you may only make Cash Advance Transactions up to the assigned Cash Advance Credit Limit. Although you may have credit available within your Cash Advance Credit Limit, Truist may choose in our sole discretion not to authorize such a Transaction.  Truist may allow you to exceed your assigned Credit Limit. If Truist allows you to exceed the Credit Limit, you may be required to pay, as part of the Minimum Payment, the entire amount by which your New Balance exceeds the Credit Limit.  Credit Limit Increases and Decreases  From time to time, Truist may use our sole discretion to either increase or decrease the Credit Limit on your Account, without prior notice. We may also increase, decrease, restrict, or cancel the credit limit on any Transaction type at any time. This will not affect your obligation to p ay us. Convenience Checks You are obligated to pay Truist for each Convenience Check used to access the Account and that Truist honors. If Truist sends you Convenience Checks , all promotional terms applicable to a Convenience Check will be included in the promotional offer provided with the Convenience C heck. Truist may refuse to issue Convenience Checks or refuse to authorize any Transaction involving the use of Convenience Checks. Once a Convenience Check has been proc essed, Truist will not be able to  Consumer Credit Card Agreement, page 2 reverse the payment. You must take reasonable steps to prevent the Unauthorized Use of any Convenience Checks issued to you for use in connection with the Ac
count. We may not honor a Convenience Check after the expiration of the promotional offer; these Convenience Checks will be  returned as an unpaid item. You will earn no rewards or other incentives of any kind on any Transaction made using a Convenience Check.  
Section 3: Amendment 
Amendments and Change(s) in Terms  Truist may add, delete, or change any term of the Agreement, unless we are prohibited by law  from doing so. We will give you notice of any changes as required by law. Changes to the Agreement will be automatically effective on the date Truist specifies or provides an updated Agreement, excep t as otherwise provided in any change in terms notice Truist provides. Truist will send you notice in the manner and method (e.g., written communication or update to online Agreemen t) and timeframe required by law for the changes being made to your Account or the Agreement (or both).  Unless otherwise specified within the notice, you are bound by changes to the Agreement as of the date notice is given. The notice will describe any rights you have in connection with the changes to the Agreement; under certain circumstances, you may have a right to opt out of the changes described within the notice; however, in such a case, your Account may be suspended or terminated while you satisfy your Account obligations under the Agreement then in effect.  Governing Law  The Agreement is binding between you and Truist. Except  as expressly set forth in the Arbitration Provision of this CCCA, the Agreement and the interpretation and enforcement thereof (including but not limited to the exportation of interest rates) will be governed by federal law applicable to Truist and, to th e extent not preempted by federal law, the laws of the state of North Carolina without regard to its conflicts of law provisions and principles. If any part of the Agreement is unenforceable, the remaining parts will remain in effect. You agree that all te rms of the Agreement are material to the determination of interest. Truist accepts the Agreement in the state of North Carolina. 
Section 4: Interest Charges 
You are obligated to pay for all Transactions made using the Card(s) and Account, plus all fees, in terest charges, Balances, and other amounts associated with or due on the Account.  Transactions and the fees and interest charges associated with those Transactions will generally be listed in sequential orde r by posting date within the Statement(s) we send regarding use of the Account.  Calculating Interest Charges  Annual Percentage Rate (APR) refers to the cost of your Account�s credit as a yearly rate.  We use APRs to calculate the interest charges on your Account. Different APRs may apply to different Transaction types (e.g., Purchases, Balance Transfers, Cash Advances) and are disclosed to you on the Truist Consumer Credit Card Terms and Disclosures.  A variable APR is an APR that can change each Billing Cycle. We use the term �Prime Rate� to refer to the rate we add to the margin(s) we disclose when we calculate the variable APR applicable to each Transaction type for a Billing Cycle. The Prime Rate used to determine your APR is a variable  rate and is the highest prime rate published in the online U.S. edition of The Wall Street Journal as of the first day of the month in which your Billing Cycle ends. If the Prime Rate chang es, Truist will apply the new Prime Rate starting on the first day of the Billing Cycle in which the change occurs and will apply the new APR to both existing balances and any new Transactions made during that Billing Cycle. The APR will equal the Prime Rate plus your applicable margin. A margin is the percentage points t hat we add to the Prime Rate to calculate the APR.  In the event the Prime Rate is not published on the first day of the month in which your Billing Cycle ends, the Prime Rate published most recently prior to that date will be the effective Prime Rate. An increase or decrease in the Prime Rate will cause a correspondi ng increase or decrease in your variable APRs, the interest that you pay, and the amount of your Minimum Payment due. If the Prime Rate is no longer published or is not available, Truist, at our  sole discretion, may substitute a new index and will notify you as required by applicable law. To obtain current information about changes to the Prime Rate, contact your local Truist br anch or write: Truist Bank, P.O. Box 698, Wilson, NC 27894 -0698, call 844-4TRUIST (844-487-8478), or visit Truist.com.  To calculate the Average Daily Balance: Truist adds the outstanding daily Balance (including new Transactions) and periodic interest charges, fees, and unpaid interest charges while deducting payments and credits; this is done for each Transaction type for each day in the Billing Cycle. We may make additional adjustments, as appropriate, subject to applicable law (e.g., when a Transaction is disputed). This gives us the daily Balance for each Trans action type. Truist then adds all of the daily Balances for each separate Transaction type on the Account for each day of the Billing Cycle and divides that total amount by the number of days in t he Billing Cycle. This results in the Average Daily Balance for each Transaction type for the Billing Cycle.  To calculate the periodic interest charges on the Account: Truist first determines the Daily Periodic Rate (DPR) for each Transaction type by takin g the applicable APR and dividing it by 365 (366 days during leap year). Truist then multiples the DPR for each Transaction type by  the Average Daily Balance within that Transaction type and the resulting figure by the number of days in the Billing Cycle (DPR x Average Daily Balance x # of days in Billing Cycle). W e then total all of the interest charges for each Transaction type. This is the total interest charge for the Billing Cycle.  Certain Transaction types may have multiple APRs applicable to different Balances of the same Transaction type (e.g., when you have a Balance Transfer Balance subject to a promotional APR and one not subject to a promotional APR). We consider a credit balance as a balance of zero when calculating interest on that Balance.  We add each new Purchase, Balance Transfer or Cash Advance, if applicable, to the daily balance on the date of the Transactio n, or a later date of our choice. We add a new Convenience Check to the daily balance on the date the payee deposits the check or a later date of our choice. We add fee s on any of the following dates (at our sole discretion): (i) the date of the related Trans action, (ii) the date the Transaction is posted to your Account, or (iii) the last day of the Billing Cycle.  Grace Period You will not pay interest charges on new Purchases if you pay the Account�s New Balance in full by the Due Date shown on the Statement . The Grace Period will remain in effect if you pay the Account�s entire New Balance by the Statement Due Date each Billing Cycle. You will lose the Grace P eriod for the Account if you do not pay the entire New Balance in a given Billing Cycle.  To regain your Grace Period on your Account after you lose it, you must pay the entire New Balance by the Due Date for one (1) Billing Cycle. If you lose your Grace Period on Purchases for which the Grace Period previously applied, you will owe interest charges on a ll Balance(s). Interest on Purchases will begin to accrue from the last day of the Billing Cycle in which you failed to pay your New Balance in full. For all Transactions made on the Account after you lose your Grace Period, you will pay interest from the Transaction Date until you regain the Grace Period for Purchases.  Additional information about the Grace Period is detailed within the Truist Consumer Credit Card Terms and Disclosures.   Consumer Credit Card Agreement, page 3 Purchases I
f you pay the entire New Balance on the Statement in full a nd by the Due Date each Billing Cycle, you will have a Grace Period on any new Purchases that are reflected for the first time on the Account�s current Statement. There is no interest charge on Purchases if the Grace Period is in eff ect; new Purchases will not be subject to an interest charge during any Billing Cycle in which the Grace Period applies.  If you revolve any Balance (i.e., do not pay your entire Account Balance in full by the Statement Due Date each Billing Cycle ), all Transactions and Balances, including  those for Purchases, will be charged interest from the date the Transaction(s) posted to your Account.  Cash Advances The following uses of a Card or the Account will be considered a Cash Advance Transaction: obtaining cash from an automated t eller machine (ATM); receiving a Cash Advance via Card use at a bank or other terminal; overdraft protection transfer; or in any other way using a Card or the Acco unt to obtain an item that Truist considers a cash-equivalent. The Cash Advance APR will apply to Transactions made using your Account for overdraft protection; however, you will not be charged the Cash Advance fee for these overdraft protection Transactions.  Cash Advances will be posted to the Account on the date Truist processes the Cash Advance;  this date may be different from the Transaction Date (i.e., the date you made the Cash Advance). Cash Advance Balances will incur an interest charge from the Transaction Date. Cash Advances are also  charged an applicable Cash Advance fee as disclosed within the Truist Consumer Credit Card Terms and Disclosures.  You will earn no rewards or other incentives of any kind on any Cash Advance.  Truist may establish an ATM Cash Advance daily limit and restrict the number of daily Transactions for Cash Advances al lowed on the Account from time to time. You and any Authorized User(s) must abide by all applicable federal, state, and local laws and regulations as well as the terms, conditions, rules, and regulations established by Truist with respect to ATM use, as ma y be amended from time to time. You agree that charges imposed by third parties for use of their ATMs will also post to the Account as a Cash Advance. Overdraft Protection Transfer  An overdraft protection transfer is the credit Truist extends to you in the  form of a loan from your Account to cover an overdraft on a deposit account that you designate at Truist. You must enroll in Truist overdraft protection to avail the Account of this feature.  If you elect to link an eligible Truist Consumer checking accoun t, savings account, or money market account to the Account for overdraft protection (the �Protected Account�), funds will be transferred from the Account (the �Protector Account�) into the Protected Account when checks, bill pay, or other debit transaction s would cause the Protected Account to be overdrawn if those transactions are paid.  Transfers will be made in exact increments from the Protector Account to the Protected Account. We consider each of these Tra nsactions an overdraft protection transfer.  If your Account does not have sufficient available credit to cover the entire amount of the overdraft on the Protected Account, we may make an overdraft protection transfer to pay individual debit items up to the amount of the Credit Limit available on the A ccount. We may also choose to not authorize an overdraft protection transfer at all.  Foreign Currency Exchange If you make a Transaction in a foreign currency using a Card or the Account, the applicable Card Association Networks will convert the Transacti on amount into U.S. dollars. The Card Association Network will use its own currency conversion procedures; Truist does not perform this conversio n and we do not adjust the currency exchange rate. The conversion rate in effect on the processing date and app lied by the Card Association Network may differ from the rate in effect on the Transaction Date.  Balance Transfers All Balance Transfer requests are subject to the Agreement. For each Balance Transfer Transaction, we will charge the Balance  Transfer APR and the Balance Transfer fee as detailed in your Truist Consumer Credit Card Terms and Disclosures. From time to time, we may offer a promotional APR for Balance Transfers; in these cases, we will provide the terms of the offer and the circumstances under w hich they will apply. All such promotional offers are subject to the terms of the Agreement unless we expressly state otherwise in the promotional offer. The minimum Balance Transfer amount is $100.00. We may reject Balance Transfer requests when they are less than $100.00. You may not make a Balance Transfer using the Account to pay on any Truist loan (including other credit cards).  Balance Transfer requests will generally be processed in the order in which they are requested. We will not process a Balance Transfer unless you have sufficient available credit on the Account to cover each requested transfer in full (including any associated fee(s)). Balance Transfers  requested at the time your Account is opened will be held for at least ten (10) days.  It may take varying lengths of time (up to thirty (30) days) for Balance Transfers from your Truist Account to be credited to the designated recipient account(s). Please continue to pay at least the Minimum Payment due on the designated recipient account until the Balance Transfer amount appears on the billing statement from that creditor(s). It is your responsibility to pay any remaining debt obligations on the designated recipient account(s).  You will pay interest on Balance Transfers from the date these Transactions post to the Account. You will earn no rewards or other incentives of any kind on any Balance Transfer. If you revolve a Balance (i.e., do not pay your entire New Balance in full by the Statement Due Date each Billing Cycle), all Transactions and Balances, including Purchases, will be charged interest from the date they posted to your Account.  Promotional Offers and Their Balances  Truist may from time to time offer you a promotional APR or promotional fee on certain Transaction types through promotional offers. If you accept a promotional offer, the resulting Balance will be subject to the terms of that specific promotional offer and the Agreement. Any terms of the promotional offer that differ from what has previously been disclosed to you in the Truist Consumer Credit Card Terms and Disclosures or the Agreement (such as the applicable APR, effective dates, and other special terms), including any applicable fees, will be detailed within the promotional offer materials.  
Section 5: Additional Fees 
The conditions under which certain fees will apply to the Account are set forth below and in the Truist Consumer Credit Card Terms and Disclosures applicable to the Account. You will earn no rewards or other incentives of any kind on any fee you are charge d, even if that fee posts to your Purchase Balance.   Consumer Credit Card Agreement, page 4 Annual Fee I
f we assess an Annual Fee for the Account, this fee will initially be assessed on the first Billing Cycle; thereafter, this Annual Fee will be charged to your Account once each year (annually, approximately every 12 months). The Annual Fee is added to the Purchase Balance for the Account. If you close the Account and  have paid it in full before the annual anniversary date, you will not be assessed an Annual Fee for the Account.  Balance Transfer Fee If a Balance Transfer posts to the Account, we will charge the Balance Transfer fee as detailed in your Truist Consumer Credi t Card Terms and Disclosures.  Cash Advance Fee If a Cash Advance posts to the Account, we will charge the Cash Advance fee as detailed in your Truist Consumer Credit Card Terms and Disclosures.  Late Payment Fee If Truist does not receive at least the Minimum Payment by its Due Date as shown on your Statement, Truist will assess a Late  Payment fee as detailed in your Truist Consumer Credit Card Terms and Disclosures; this fee will be assigned to the Purchase Balance.  Foreign Transaction Fee If we assess a Foreign Transaction Fee for the Account and a Transaction posts to the Account that requires a foreign currency conversion b y the Card Association Networks, we will assess a Foreign Transaction Fee as detailed in your Truist Consumer Credit Card Terms and Disclosures. Thi s fee will be assigned to the Purchase Balance. 
Section 6: Making Payments 
Payment Instructions You may make payments on the Account in any of the following ways:  
�At any Truist branch during normal business hours.  
�By calling the Truist Contact Center at 844 -4TRUIST (844-487-8478). 
�By using Truist Online Banking or the Truist Mobile App.  
�By mail at the address listed on the payment coupon within the Statement � please allow at least five (5) business days for delivery.  The payment date is the date that Truist receives the payment. Payments must be received by 11:59 pm ET to be credited same d ay. To ensure your payment is received and applied correctly, please follow these instructions.  
�Payment must be in U.S. dollars, but not in cash unless the payment is made at a Truist branch.  
�Payment must come from a U.S. deposit account or cashier�s check drawn on a U.S. financial institution. 
�Payment must not include restrictive language (e.g., �payment in full�) or other language attached to the payment; (note: Tru ist may accept any payment with restrictive language without losing our rights).  
�Payment cannot come from a credit account that Truist provides you (e.g., a Convenience Check, Cash Advance, or Balance Transfer made on this Account).  
�Payment in a paper form (such as a check, money order, or cashier�s check) must include the payment coupon from the Statement  or have the Account number written on the payment. 
�Payment that is mailed should be sent to the address listed on the payment coupon within the Statement.  Any failure to comply with these instructions may cause your payment to be delayed. This delay may result in additional charges and possible suspension or closure (or all of these) of the Account. In Truist�s sole and reasonable discretion, we may accept payments on the Account from Authorized Users or other third -parties as well. Making Payments and What Happ ens if You Pay Late Truist sends monthly Statements detailing Account activity for each Billing Cycle. You have the option of paying in full the New Balance shown on each Statement or paying in installments that at least equal the amount of the Minimum Pay ment as shown on the Statement.  If the New Balance is less than $27.00, the Minimum Payment will be the same as the New Balance. Otherwise, the Minimum Payment will be the greater of: (i) $27.00; or ii) 1% of the New Balance plus the collective sum of all  interest charges and any Late Payment fee (with such collective amount rounded up to the nearest dollar) plus the greater of either (A) all past due amounts or (B) all amounts over the Credit Limit. If you pay more than the Minimum Payment , you still must make the Minimum Payment on subsequent Statements until you have fully paid what you owe to Truist related to the Account. You must pay in U.S. dollar s in accordance with the payment instructions described within the Agreement. How Truist Will Apply Payment Truist will apply your payment to the outstanding amounts for each of the following categories in this order: interest, fees,  then Balances. Within these categories, we apply the payment in order from the highest applicable APR to the lowest applicable  APR. We may delay the availability of credit until we confirm that your payment has cleared. 
Section 7: Account Closure, Default, Your Affirmative Obligations  
Termination/Closure/Suspending the Account  You may close your Account at any time. We may require you to provide a closure request in writing. You may cancel any Card at any time by calling the Truist Contact Center at 844-4TRUIST (844-487-8478), making the request in a branch, or through Truist Online Banking.  Except as otherwise required by applic able law, Truist has the right to terminate or suspend your ability to use the Account, any Card, or any feature on the Accou nt at any time and for any reason, without notice. The Bank may also suspend, cancel, or close any and all Cards at any time and fo r any reason. Truist reserves the right to suspend, restrict, or terminate the ability for you, and any and all Authorized User(s) to earn or redeem rewards during any timeframe within which any Card or the Account is or was determined by Truist (in our sole and absolute discretion) to be not in Good Standing.  You will remain liable under the Agreement for all of the following that occur prior to termination of your Account: all Tran sactions made using the Account (including all Card(s)), plus any fees, interest charges, Balances, and other amounts associated with or due on the Account. If bankruptcy proceedings are instituted ag ainst you or you declare bankruptcy, you must inform Truist immediately and the Account is automatically terminated, without further notice.   Consumer Credit Card Agreement, page 5 In the event you are in Default, Truist has the immediate right to terminate your Account without notice and declare the unpa i
 d portion of the New Balance and any annual membership fees and other charges immediately due and payable. The Agreemen t will otherwise remain in full force and effect until you pay all sums due Truist.  Immediately following the Account�s closure, all Cards, Convenience Checks, and other means used to access your Account must be immediately destroyed or, if Truist requests, surrendered to us.  When the Account is in Default  Subject to applicable law and any right(s) that you may have under that law, Truist may require immediate payment of your ent ire Account Balance and you will be in Default if any of the following occur :  
�Any required payment is not made on or before the payment Due Date.  
�You fail to pay any other obligation to Truist.
�You violate any terms of the Agreement.  
�You violate any credit account or loan agreement (including a mortgage agreement) that you have w ith Truist. 
�A payment on the Account cannot be processed before the Due Date.  
�A payment on the Account is rejected and not successfully resubmitted before the Due Date.  
�An attachment, garnishment, or bankruptcy proceeding is initiated against you.  
�Truist reasonably believes (in our sole discretion) that your ability to pay the Account is materially impaired.  
�You provide Truist with false, misleading, or fraudulent information (including a forged or false signature).  
�You, any Cardholder, or Authorize d User makes illegal or improper use of the Account.  
�The Account or any Card is used after the Account has been closed.  Truist�s Rights Upon Your Default You hereby agree that, if you are in Default, each and every of the following applies: (1) except as specifically addressed in the Mutual Arbitration Agreement provision of this Agreement, you agree that the total amount due on the Account shall include all costs, expenses, and reasonable attorneys� fees (including costs allocated for in - house counsel), legal proceedings, and bankruptcy and insolvency proceedings for the collections of sums due under the Agreement; (2) you furt her agree that the amount due on the Account shall include any liabilities, losses, demands, and judgments Truist is subject to or incurs related to your use of the Card or Account (including the use of any Card by any Authorized User); and (3) where required by state law, Truist will provide you with the  applicable notice of your Default and your right to remedy your Default. Your Affirmative Obligations to Truist  You further acknowledge and agree that you shall immediately provide Truist with written notice of the following:  
�Any change to your address, phone number, email, or other contact information  
�Any change to your ability to pay or perform any obligations, liability, or indebtedness to Truist  
�If you become insolvent or if bankruptcy or other insolvency proceedings are commenced by or against you  
�Any entry of a judgment against you of a material nature or amount  
�Any seizure or forfeiture of, or the issuance of any writ of possession, garnishment or attachment, or any turnover for any material property  
�Any Account Holder dies or is legally declared mentally incompetent or incapacitated.  
Section 8: Credit Inquiry and Confidential In formation 
Credit Inquiries and Reporting  Your eligibility for the extension of credit related to the Account as well as your initial interest rates, fees, and other costs related to the Agreement may vary based upon your creditworthiness. You authorize Tru ist to verify the information and obtain further information concerning your credit standing and to exchange credit informati on with others regarding the same. You authorize Truist to contact any source to verify income, employment, and creditworthiness  as Truist deems necessary to maintain, review, update, renew, service, evaluate/change the credit limit of, or collect upon the Account and other permissible purposes as the law allows.  Truist may report information about your Account to credit bureaus. Late Payments, missed payments, or other Defaults on your Account may be reflected in your credit report. Truist may use organizations such as Experian, Equifax, TransUnion, or others to make credit -related inquiries. If you dispute credit information Truist is reporting about you, please notify us by calling the Truist Contact Center at 844 -4TRUIST (844-487-8478). Confidential Information Confidential information includes information used in the performance of Truist�s services in relation to the Agreement, a nd any reports or documents that include, summarize, are based on or refer to confidential information and all derivative works of any confidential information. Confidential information also includes Personal Information (i.e., Personally Identifiable Info rmation or non-public information as defined herein). All confidential information remains the property of either party, as applicable. Each party to the Agreement may be a disclosing party or a receiving party hereunder. All software that Truist provides or makes available to you, whether owned by Truist or any third-party services provider, will be considered confidential information pursuant to the Agreement. You agree and hereby consent to your confidential information being shared with Truist�s third p arty service providers and other such permitted parties for purposes of providing services on the Account and Authorized Users.  Information regarding the use of a Card or the Account by you or an Authorized User may be exchanged between you and Truist.  Authorized Disclosure Confidential Information may be disclosed if and only to the extent that disclosure is required by: (a) law, including subpoena, or judicial process; or (b) to the parties� respective personnel, state and federal regulators, and agents (such as third -party providers of the Bank) having a need to know such Confidential Information, in which case the Receiving Party may disclose the Confidential Information subject to the limitations set forth herein and shall, unless prohibited by law or a state or federal regulator, promptly notify the Disclosing Party in writing of the terms and circumstances of the disclosure and cooperate with  any efforts to prevent or limit disclosure, except that Truist is not required to provide any notice to you where Truist is requir ed to make such disclosure, in our sole and exclusive opinion, in the ordinary course of dealings with any state or federal regulator or court -issued subpoena or order. Truist is a state and federally regulated financial institution, and you acknowledge an d agree that Truist may be required to cooperate in the course of an internal audit, and in dealings with any state or federal regulator. You will provide such cooperation,  Consumer Credit Card Agreement, page 6 including cooperating with Truist�s requests for information. You authorize Truist to release information regarding the Account to comply with any subpoena or other p
roper order from a state or federal agency or court. Truist may investigate your credit record from time to time in connecti on with the Account. Privacy Information �Personally Identifiable Information� means information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular person or household.  Truist may, to the extent and in the manner permitted by applicable law, communicate information about Truist�s experiences and Transactions with you to credit bureaus, Truist�s affiliates, and others who may properly receive that information. Truist will not share this information ab out you with third parties for marketing purposes. You may refer to Truist�s Privacy statement for more details about how Truist collects, uses, retains, discloses, a nd safeguards personal information about any Cardholder related to the Account. A complete copy of  the Truist Privacy Policy is available at Truist.com or by calling 844 -4TRUIST (844-487-8478).  
Section 9: Lost/Stolen Card and Liability for Unauthorized Use 
Lost/Stolen Card or Check You must take reasonable steps to prevent the Unauthorized Use of each  and every Card, Convenience Check, or other credentials/devices used to access or obtain credit using the Account.  You agree to promptly notify Truist of any loss, theft, or alleged or actual Unauthorized Use of a Card or the Account by cal ling 844-4TRUIST (844-487-8478). Because of this requirement, Truist expects that you will regularly review the Statements associated with the Account to analyze Transac tions and other charges that post to the Account and to confirm whether unauthorized Transactions hav e posted to the Account. You are further expected to ensure that each Authorized User is responsibly safeguarding the Card(s), Convenience Checks, and other credentials/devices used to access or obtain credit using the Account  and reporting any loss, theft, or alleged or actual Unauthorized Use of the Card or Account.  Liability for Unauthorized Use  To the extent allowed by applicable law, you are liable for all use of the Card(s) or the Account by each and every Authorized User(s) and anyone else you or an  Authorized User allows (directly or indirectly) to use the Card(s) or the Account. You must ensure that you and any Authorize d User(s) abide by all applicable federal, state, and local laws and regulations as well as the terms, conditions, rules, and regu lations established by Truist with respect to use of the Account under the Agreement, as may be amended from time to time.  If Unauthorized Use of the Account occurs, you agree to cooperate with Truist and law enforcement authorities in identifying the una uthorized user. All claims of alleged loss, theft, or Unauthorized Use of a Card or the Account are subject to investigation.  You will not be responsible for Transactions on your Account that we determine are Unauthorized Use.  
Section 10: Additional Important Information 
Assignment  Truist has the right to assign: (i) the Agreement and any of Truist�s rights under the Agreement; (ii) the Account; and (iii)  any amount you owe to Truist. This means Truist�s rights and benefits under the Agreement and Account  shall transfer (subject to the terms of the assignment) to Truist�s successors and assigns, including any entity that acquires Truist or is created through a merger with Truist. Truist may assign our rights without your consent and  without prior notice to you. You do not have the right to assign or transfer your Account, the Agreement, or your rights under the Agreement.  Truist�s Enforceability of Our Rights  Truist will not, for any reason, lose our rights under the Agreement because we delay in enforcing or exercising any of Truist�s rights under the Agreement.  Headings The headings of provisions within the Agreement are included for convenience and do not define, limit, or enlarge the scope o f the Agreement or any of its provisions.  State Specific Disclosures Important Information For: 
�New Jersey Residents: All provisions of this Agreement are valid, enforceable, and applicable in New Jersey.  
Section 11: Military Lending Act 
The Military Lending Act provides protections for certain members of the Armed Forces and their dependents (�Covered Borrower s�). The provisions of this section apply to Covered Borrowers under the Military Lending Act. If you would like more information about whether you are a Covered Borrower and whether this section applies to you, please contact us at 800 -848-8372.  Statement of MAPR Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an Ann ual Percentage Rate of 36%. This rate must include, as applicable to the credit transaction or account: (1) the costs associated with credit insurance premiums; (2) fees for ancillary products s old in connection with the credit transaction; (3) any application fee charged (other than certain application fees for specified credit transactions or accounts); and (4) any participati on fee charged (other than certain participation fees for a credit card account). Oral Disclosures To hear important Military Lend ing Act disclosures and payment information provided in this Agreement, please call 800 -848-8372. The Jury Trial Waiver, Litigation Class Action Waiver, and Mutual Arbitration Agreement set forth in this Agreement do not apply to Covered Borrowers under th e Military Lending Act. 
Section 12: Mutual Arbitration Agreement  
READ THIS PROVISION CAREFULLY AS IT WILL HAVE A SUBSTANTIAL IMPACT ON HOW DISPUTES AND CLAIMS YOU AND WE HAVE AGAINST EACH OT HER ARE 
RESOLVED.  
THIS ARBITRATION AGREEMENT DOES NOT APPLY IF, AS  OF THE DATE OF THIS AGREEMENT, YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING 
ACT. IF YOU WOULD LIKE MORE INFORMATION ABOUT WHETHER YOU ARE COVERED BY THE MILITARY LENDING ACT, PLEASE CONTACT US AT 800 -848 -8372.   Consumer Credit Card Agreement, page 7 For any Claim subject to arbitration ,
  neither you nor we will have the right to: (1) have a court or a jury decide the Claim; (2) engage in information -gathering (discovery) to the same extent as in court; (3) participate in a class action in court or in arbitration; or (4) join or consolida te a Claim with claims of any other person. The right to appeal is more limited in arbitration than in court and other rights in court may be unavailable or limited in arbitration. Upon election by either party, the Parties mutually agree to resolve any and all disputes between them exclusively through final, binding, and individual arbitration instead of filing a lawsuit in cou rt (except as otherwise provided below). However, this Mutual Arbitration Agreement does not cover disputes that, as a matter of law, may not be subject to pre -dispute arbitration agreements.  Claims Subject to Arbitration  A �Claim� subject to arbitration is any claim, cause of action, dispute, or controversy between you and us (other than an Exc luded Claim or Proceeding as set forth below), whether preexisting, present, or future, which arises out of or relates to the Account, the Agreement, any transaction  conducted with us in connection with the Account or the Agreement, or our relationship. �Claim� has the broadest possible meaning and includes initial claims, counterclaims, cross -claims, third-party claims, and federal, state, local, and administrative claims. It includes disputes based upon contract, tort, consumer rights, fraud, and  other intentional torts, constitution, statute, regulation, ordinance, common law, and equity, and includes claims for money damages and injunctive or declaratory relief. �C laim� also includes disputes concerning communications involving telephones, cell phones, automatic dialing systems, artificial or prerecorded voice messages, text messages, emails, or facsimile machines and alleged violations of the Telephone Consumer Protection Act and other statutes or regulations involving telemarketing. Up on the demand of you or us, any Claim(s) will be resolved by individual (as opposed to class, mass, collective, or representative) binding arbitration in accordance with the terms spe cified in this Mutual Arbitration Agreement. Special Definition of �We,� �Us,� �Our,� and �Parties�  Solely for purposes of this Mutual Arbitration Agreement, the terms �Truist,� �we,� �us,� �our,� and �Parties,� in addition to the meanings set forth in the  Agreement, also refer to Truist Bank and its employees, officers, directors, parents, controlling persons, subsidiaries, affiliate s, predecessors, successors, and assigns. The �Parties� refers to both you and Truist. �We,� �us,� �our,� and �Parties� also apply to third parties if you assert a Claim against such third  parties in connection with a Claim you assert against us. Excluded Claim or Proceeding  Notwithstanding the foregoing, �Claim� does not include any dispute regarding (1) any individual action brought by you or us in small claims court or your state�s equivalent court, unless such action is transferred, removed, or appealed to a different court, (2) the exercising of any self- help rights, or (3) any individual action in court by one party that is limited to preventing the other party from using a self -help remedy and that does not involve a request for damages or monetary r elief of any kind. The institution and/or maintenance of any such right, action, or litigation shall not constitute a waiver of the right of eit her of the Parties to compel arbitration regarding any other dispute subject to arbitration pursuant to this Mutual Arbitration Agreement.  Federal Arbitration Act Notwithstanding any choice of law or other provision in the Agreement, the Parties agree and acknowledge that this agreement evidences a transaction involving interstate commerce and that the Federal Arbit ration Act (Title 9 of the United States Code) (�FAA�) shall govern its interpretation and enforcement and proceedings pursuant thereto. The Parties expressly agree that this Mutual Arbitration Agreement shall be governed by the FAA even in the  event you and/or Truist are otherwise exempted from the FAA. Any disputes in this regard shall be resolved exclusively by an arbitrator. The Parties expressly intend for the FAA to govern the interpretation and enforcement of this Mutual Arbitration Agreement, and al l arbitration proceedings pursuant thereto, even in the event that the FAA is determined not to apply. The Parties hereby incorporate by reference the FAA, and its rules and procedures, into this Mutual Arbitration Agreement. If for  whatever reason the rules and procedures of the FAA cannot apply, the state law governing arbitration agreements in the state in which you reside shall apply.  
Class, Mass, Collective, and/or Representative Action Waiver.  The Parties mutually agree that if you or we elect to arbitrate a Claim, such Claims will be resolved in individual arbitration. The Parties further agree that, to the maximum extent allowable by law, by entering into this Mutual Arbitration Agreement, they waive the right to have any Claim brought, heard, administered, resolved, or arbitrated as a class, mass, collective, or representative action, and an arbitrator shall not have any authority to hear or arbitrate any class, mass, collective, and/or representative action, or to award relief to anyone but the individual in arbitration. This Class, Mass, Collective, and/or Representative Action Waiver does not prevent you or Truist from participating in a class -wide settlement of claims, to the extent you or we do not exercise a right to opt out of such settlement. 
Arbitration Procedures a) Either you or Truist may initiate arbitration by submitting a demand for arbitration to the arbitration administrator, within  the applicable statute of limitations period, and the demand must include (1) the name, telephone number , mailing address, and e-mail address of the party seeking arbitration; (2) the Account number of any Account at issue; (3) a statement of the legal claims being asserted and the factual bases of those claims; (4) a description  of the remedy sought and an accurate, good-faith calculation of the amount in controversy, enumerated in United States Dollars (any request for injunctive relief or attorneys� fees shall not count toward the calculation of the amount in controversy unless such injunctive relief seeks  the payment of money); (5) the original personal signature of the party seeking arbitration (a digital, electronic, copied, or facsimile signature is not sufficient); and (6) the party�s portion of the applicable filing fee. The party initiating arbitrati on must also serve the demand on the other party via certified mail, return receipt requested, or hand delivery. If the party se eking arbitration is represented by counsel, counsel must also provide an original personal signature on the demand for arbitration (a digital, electronic, copied, or facsimile signature is not sufficient). Counsel must also provide a certification that, to the best of counsel�s knowledge, information, and belief, formed after an inquiry reasonable under the circumstances, (1) the demand for arbitration is not being presented for any improper purpose, such as to harass, cause unnecessary delay, or needle ssly increase the cost of dispute resolution; (2) the claims and other legal contentions are warranted by existing law or by a nonf rivolous argument for extending, modifying, or reversing existing law or for establishing new law; and (3) the factual contentions have evidentiary support, or if specifically so identified, will likely have evidentiary support after a reasonable opportunity for further investigation or discovery. Any demand for arbitration by you must be delivered to Truist Bank Legal Departmen t, Attn: General Counsel- Arbitration Election, 214 N. Tyron St. Mail Code: 500 -93-43-13, Charlotte, NC 28202, and our notice must be sent to the most recent address for you in our files. b) As part of the Parties� agreement to resolve Claims by individual arbitration, you agree not to have your arbitration demand filed or prosecuted by a law firm or collection of law firms that has filed more than 25 arbitration demands of a substantially similar nature against Truist within 180 days of your arbitration demand, if the law firm or collective of law firms seeks to simultaneously or collectively administer and/or arbitrate all the arbit ration demands together. All arbitration demands must be filed, administered, arbitrated, and resolved in an individual manner.  c) Any arbitration hearing that you attend must take place in a venue reasonably convenient to you. If a party files a lawsuit i n court asserting any Claim(s) that are subject to arbitration and the other party demands arbitration or files a motion to compel arbitration with the court which is granted, it will be the responsibility of theparty prosecuting the Claim(s) to commence the arbitration proceeding with an arbitration administrator in accordance with this Mutual Arbitration Agreement and the administrator�s rules and procedures. Nothing in that litigation shall constitute a waiver of any rights under this Mutua l Arbitration Agreement. d) The arbitration will be administered by JAMS, 1920 Main Street, Suite 300, Irvine, CA 92614, jamsadr.com, 800 -352-5267. The rules and forms of JAMS may be obtained by writing to JAMS at the address listed above or visiting their website. If JAMS is unable or unwilling to serve as administrator, the parties may agree upon another administrator, or if they are unable to agree, a court shall determine the administrator. No company may serve as adm inistrator, without the consent of all  Consumer Credit Card Agreement, page 8 parties, if
 it fails to abide by the terms of this Mutual Arbitration Agreement. The arbitration will proceed in accordance with this a rbitration agreement and the administrator�s rules and procedures in effect at the time of commencement of the arbitration, including any streamlined or expedited arbitration rules, but in the event of a conflict between the two, the provisions of this Mutual Arbitration Agreement shall supersede any and all conflict ing arbitration administrator�s rules or procedures. e)In addition to all other requirements in this agreement, the following provisions shall apply to all arbitrations between the Parties: (1)  Truist and you shall equally share filing fees and other similar and usual administrative costs, as are common to both court and a dministrative proceedings, such as court reporter costs and transcript fees; but if an arbitrator determines that its rules or applicable law requires that your share of fees and other costs be capped at a certain amount, such as the filing fee to file the case in a court of competent jurisdiction embracing the location of the arbitration, then you will only be responsible for th at maximum amount permitted by rule or law. Truist shall pay any costs that are uniquely associated with arbitration, such as paym ent of the arbitrator and room rental; (2) If a party timely serves an offer of judgment under Federal Rule of Civil Procedure 68, and the judgment that the other party finally obtains is not more favorable than the unacceptedoffer, then the other party shall pay the costs of the party serving the offer of judgment, including filing fees, incurred after the offer was made; (3) Both Parties agree not to oppose or interfere with any negotiations or agreements between the other Party and the arbitration admin istrator, or individual arbitrator, relating to a party�s portion of the fees. The arbitrator, however, may disallow any private agreement between an administrator, on the one hand, and the negotiating party, on the other hand, if the arbitrator believes t hat the private agreement undermines his or her neutrality as arbitrator; (4) The arbitrator may issue orders (including subpoenas to third parties) allowing the Parties to conduct discovery sufficient to allow each party to prepare that party�s claims and/or defenses, taking into consideration that arbitration is designed to be a speedy and efficient method for resolving disputes; (5) Except as provided in the Class, Mass, Collective, and/or Representative Action Waiver, the arbitrator may award all remedi es to which a party is entitled under applicable law and which would otherwise be available in a court of law, including but not limited to the imposition of sanctions under the Federal Rules of Civil Procedure, but shall not be empowered to award an y remedies that would not have been available in a court of law for the claims presented in arbitration. The arbitrator shall apply state or federal substantive law, or both, as is applicable; (6) The arbitrator may hear motions to dismiss and/or motions for summary judgment. Any motion to dismiss and/or motion for summary judgment shall be governed by the standards of the Federal Rules of Civil Procedure governing such motions; (7) The arbitrator�s decision or award shall be in writing with findings of fact and conclusions of law; (8) Any finding that a claim or counterclaim was filed for purposes of harassment or is frivolous shall entitle the other party to recover its, his, or her attorneys� fees, costs, and expenses; (9) Either Truist or you may apply to a co urt of competent jurisdiction for temporary or preliminary injunctive relief on the ground that without such relief the arbitration may be rendered ineffectual; (10) Under no circumstances is the arbitrator bo und by decisions reached in separate arbitrations; and (11) No arbitrator shall have the power to conduct arbitrations on any basis other than an individual basis. If at an y time the arbitrator or arbitration administrator fails to enforce the terms of this Mutual Arbitration Agreement, either party may seek to enjoin the arbitration proceeding in a court of competent jurisdiction, and the arbitration shall automatically be stayed pending the outcome of that proceeding.  f)A single arbitrator will be appointed by the administrator, and unless you and Tr uist agree otherwise, must be a practicing attorney with ten or more years of experience or a retired judge. Except as specifically stated herein, the arbitrator will not be bound by judicial rules of procedure and evidence that would apply in a court, nor by state or local laws that relate to arbitration provisions or proceedings. The arbitrator will honor and enforce statutes o f limitation and claims of privilege recognized under applicable law. In determining liability or awarding damages or other relief, the arbitrator will follow the applicable substantive law, consistent with the Agreement and the FAA, that would apply if the matter had been brought in court. The arbitrator will have the authority to award expert witness and attorneys� fees and costs to the extent permitted by either the Agreement, the administrator�s rules, or applicable law. A judgment on the award may be entered by any court having jurisdiction. g) Only an arbitrator, and not any federal, state, or local court or agency, shall have the exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this Mutual Arbitration Agreement, including without limitation any dispute concerning arbitrability. However, the preceding clause shall not apply to any dispute relating to or arising out of the Class, Mass, Collective, and/or Representative Action Waiver� including, but not limited to, any claim that all or part of the Class, Mass, Collective, and/or Representative Action Waiver is unenforceable, unconscionable, illegal, void, or voidable, or that a breach of that Waiver has occurred �which must proceed in a court of competent jurisdiction and cannot be heard or arbitrated by an arbitrator. Moreover, all disputes relating to or arising out of the payment of arbitration fees shall be decided only by a court of competent jurisdiction and not by an arbitrator;  and arbitration shall automatically be stayed pending the outcome of that proceeding in court. In addition, all disputes regardin g the sufficiency or timeliness of arbitration demands shall be decided by an individual arbitrator rather than an arbitration administrator. The Parties agree that any and all due dates for arbitration fees shall be tolled while the Parties resolve a dispu te relating to or arising out of the Class, Mass, Collective, and/or Representative Action Waiver, and/or the payment of arbitration fees. Survival and Severability. This Mutual Arbitration Agreement shall survive the closing of your Account and the termin ation of any relationship between us, including the termination of the Agreement. In the event any portion of this Mutual Arbitration Agreement is found unenforceable by the arbitrator or the court, it shall be severed from the Mutual Arbitration Agreement  such that the remainder of this Mutual Arbitration Agreement shall be enforceable to the fullest extent permitted by law. In any case in which (1) the dispute is filed as a class, collective, mass, or representative action, and (2) there is a final judici al determination that a portion of the Class, Mass, Collective, and/or Representative Action Waiver is invalid or unenforceable, the portion of such action that is thereafter no  longer covered by the Class, Mass, Collective, and/or Representative Action Waiver must be litigated in a civil court of competent jurisdiction, but the portion of the Class, Mass, Collective, and/or Rep resentative Action Waiver that remains valid and enforceable shall be enforced in arbitration. The parties acknowledge and agree th at under no circumstances will a class, mass, collective, or representative action be arbitrated; and if a Claim is brought seeking public injunctive relief and a court de termines that the restrictions in the paragraph titled �Class, Mass, Collective, and/ or Representative Action Waiver� or elsewhere in this agreement prohibiting the arbitrator from awarding relief on behalf of third parties are unenforceable with respect to such Claim (and that determination becomes final after all appeals have been exhaus ted), the Claim for public injunctive relief will be determined in court and any individual Claims seeking monetary relief will be arbitrated. In such a case the parties will request that the court stay the Claim for public injunctive relief until the arbitration award pertaining to individual relief has been entered in court. In no event will a Claim for public injunctive relief be arbitrated. Notwithstanding the foregoing, if the Class, Mass, Collective, and/or Representative Action Waiver is finally adju dged to be void, voidable, or otherwise unenforceable in its entirety, this Mutual Arbitration Agreement is void in its entirety. If, notwithstanding this provision, this Mutual Arbi tration Agreement is adjudged to be unenforceable in its entirety, the Parties intend in all events that all prior arbitration agreements between them remain enforceable.  Effect of Arbitration Award. The arbitrator�s award shall be final and binding on all parties, except for any right of appeal  provided by the FAA. However, if the amount of the Claim exceeds $250,000 or involves a request for injunctive or declaratory relief that could foreseeably involve a cost o r benefit to either party exceeding $250,000, any party can, within thirty (30) days after the entry of t he award by the arbitrator, appeal the award to a three -arbitrator panel administered by the Administrator. The panel shall reconsider anew any aspect of the initial award requested by the appealing party. The decision of the panel shall  be by majority vote. Reference in this Mutual Arbitration Agreement to �the arbitrator� shall mean the panel if an appeal of the arbitrator�s decision has been taken. The costs of such an appeal will be borne in accordance with the above paragraph titled �Arbitration Procedures.� Any final decision of the appeal panel is subject to judicial review only as provided under the FAA. No arbitration award involving the parties will have any preclusive effect as to issues or claims in any dispute involving an yone who is not a party to the arbitration, nor will an arbitration award in prior disputes involving other parties have preclusive effect in an arbitration between the part ies to this agreement.  Consumer Credit Card Agreement, page 9 Impact on Pending Litigation. This Mutual Arbitration Agreement shall not affect you
 r standing with respect to any litigation between Truist and you that is pending in a state or federal court or arbitration as of the date of this Mutual Arbitration Agreement. However, if on such date you were bound by an existing arbitration agreement with Truist than that agreement shall continue to apply.  Right to Consult with an Attorney. You have the right to consult with private counsel of your choice, at your own expense, wi th respect to any aspect of, or any Claim that may be subject to, this Mutual Arbitration Agreement. JURY TRIAL WAIVER UNLESS YOU ARE A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND TO THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTE RS NOT SUBMITTED TO ARBITRATION, YOU AND TRUIST HEREBY KNOWINGLY, VOLUNTARILY, INTENTI ONALLY AND IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY IN RESPECT TO ANY LITIGATION ARISING OUT OF THE AGREEMENT, RELATING TO THE ACCOUNT, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND US OR ANY OF TRUIST�S EMPLOYEES, OFFICERS, DIRECTORS, PARENTS,  CONTROLLING PERSONS, SUBSIDIARIES, AFFILIATES, SUCCESSORS, AND ASSIGNS.  LITIGATION CLASS ACTION WAIVER  TO THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED TO ARBITRATION, YOU AND TRUIST HEREBY AGREE THAT ANY  LITIGATION ARISING OUT OF THE AGREEMENT, RELATING TO THE ACCOUNT, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN YOU AND US OR ANY OF TRUIST�S EMPLOYEES, OFFICERS, DIRECTORS, PARENTS, CONTROLLING PERSONS, SUBSIDIARIES, AFFILIATES, SUCCESSORS, AND ASSIGNS WILL PROCEED ON AN INDIVIDUAL BASIS AND WILL NOT PROCEED AS PART OF A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR OTHER REPRESENTAT IVE ACTION AND YOU AND TRUIST HEREBY KNOWINGLY, VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY WAIVE ANY RIGHT TO PROCEED IN A CLASS AC TION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR OTHER REPRESENTATIVE ACTION OR TO SERVE AS A CLASS REPRESENTATIVE.  
Section 13: Your Billing Rights 
Keep this notice for future use. It informs You about your rights and Truist�s responsibilities u nder the Fair Credit Billing Act. What to do if you find a mistake on your Statement  If you think there is an error on your Statement, write Truist at:  
�Truist Bank Card Services, P.O. Box 200, Wilson, NC 27893  In your letter, give Truist the following info rmation: 
�Account information: Your name and Account number  
�Dollar amount: The amount of the suspected error  
�Description of problem: If you think there is an error on your Statement, describe what you believe is wrong and why you beli eve it is a mistake. You must contact Truist: 
�Within sixty (60) days after the error appeared on your statement.  
�At least three (3) business days before an automated payment is scheduled, if you want to stop payment on the amount you thin k is wrong. 
�You must notify Truist of any potential errors in writing. You may also call Truist, but Truist is not required to investigate any potential errors and you  may have to pay the amount in question unless you provide written notice of the suspected error.  What will happen after Truist receives your letter  When Truist receives your letter, Truist must do two (2) things:  
�Within thirty (30) days of receiving your letter, Truist must inform you that Truist received your letter; Truist will also inform you if Truist has already corrected theerror. 
�Within ninety (90) days after receiving your letter, Truist must either correct the error or explain to you why Truist believ es the bill is correct. While Truist investigates whether or not there has been an error:  
�Truist may not (1) attempt to collect the amount in question or (2) report you as delinquent on that amount;  
�The charge in question may remain on your Statement, and Truist may continue to charge you interest on that amount;  
�While you do not have to pay the amount in question, you are responsible for the remainder of your Balance; and  
�Truist may apply any unpaid amount against your Credit Limit.  After Truist finishes the investigation, one of two things will happen:  
�If Truist made a mistake, you will not have to pay the amount in questi on or any interest or other fees related to that amount; or  
�If Truist does not believe there was a mistake, you will have to pay the amount in question, along with applicable interest a nd fees; Truist will send you a statement of the amount you owe and the date payment is due; and Truist may then report you as delinquent if you do not pay the amount Truist states that you owe.  If you receive Truist�s explanation but still believe your bill is wrong, you must write to Truist within ten (10) days telli ng Truist that you still refuse to pay. If you do so, Truist cannot report you as delinquent without also reporting that you are questioning your bill. Truist must tell you the name of anyone to whom Truist reported you as delinquent, and Truist must let those or ganizations know when the matter has been settled between Truist and you.  If Truist does not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  Your rights if you are dissatisfied  with a Purchase If you are dissatisfied with the goods or services that you Purchase with your Card/Account, and you have tried in good faith  to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the Purchase. To use this right, all of the following must be true:  
�The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase pri ce must have been more than $50.00. (Note: Neither of these conditions applies if your Purchase was based on an advertisement Truist mailed to you, or if Truist owns the company that sold youthe goods or services.) 
�You must have used your Card for the Purchase. Purchases made with cash advances from an ATM or with a check tha t accesses your Account do not qualify.  
�You must not yet have fully paid for the Purchase.   Consumer Credit Card Agreement, page 10  If all of the criteria above are met and you are still dissatisfied with the purchase, contact Truist in writing at:  
�Truist Bank Card Services, P.O. Box 200, Wilson , NC 27893 
�While Truist investigates, the same rules apply to the disputed amount as discussed above. After Truist finishes the investig ation, Truist will tell you our decision. At that point, if Truist thinks you owe an amount and you do not pay, we may report you as delinquent.  
Section 14: Definitions 
Account: Your Consumer Credit Card Account for which Truist is the credit card issuer; this includes all related Card(s) used to acces s the Consumer Credit Card Account credit. An Account with multiple Account Holders may be referred to as a Joint Account. Joint Account Holders are joint and severally liable for the Account.  Authorized User: Any person you authorize to use a Card or the Account. Every Cardholder is an Authorized User.  Balance: Each Transaction, fee, interest charge, or other charge associated with the Account is assigned to a specific Transaction type; the sum of all Transactions in a Transaction type is referred to as the Balance for that Transaction type (e.g., the Balance on Purchases). The  Balance for each Transaction type includes Transactions that you, any Cardholder, and Authorized User make as well as interest and fees that Truist assesses on those Transactions. W e will assign fees that we assess on a specific Transaction type to the Ba lance for that Transaction type (e.g., a Balance Transfer fee on a Balance Transfer). Fees that are not specific to a given T ransaction type (e.g., Late Payment Fee) are assigned to the Balance on Purchases.  Balance Transfer: A Transaction wherein a balanc e is transferred from another creditor to the Account.  Bank, Truist, we, us, and our:  Mean Truist Bank, its agents, authorized representatives, successors, and assignees.  Billing Cycle: The period of time reflected on a Statement. The length of this period may vary but is typically approximately thirty (30) days. Your Account will have a Billing Cycle even if no Statement is required.  Consumer Credit Card Terms and Disclosures:  This disclosure document provides rates, costs, and fees information for the Acc ount and is included in your new credit card mailer. Card: Each and every Truist Consumer Credit Card including physical credit card(s), 16 -digit number(s) linked to the Account, virtual card(s), or any other evolutionary device(s) that you or an Authorize d User can use to access the Account to obtain credit.  Card Association Network: A network of merchants, issuing banks, and acquiring banks that process payment cards in relation to Transactions. Visa USA I nc. (�Visa�) and Mastercard International Incorpor ated (�Mastercard�) are examples of established Card Association Networks.  Cardholder: Any individual who is identified by the Account Holder to be issued a Card associated with the Account and is thereby express ly authorized to use that Card and the Account to make Transactions.  Cash Advance: A loan using the Account to obtain cash or thi ngs we consider cash-equivalents (e.g., wire transfers, cryptocurrency, travelers� checks, ATM withdrawals, overdraft protection, money orders, foreign currency, lottery tickets, or gambling chips or wagers). Truist does  not determine the Merchant Category  Codes (MCC) assigned to cash-equivalent Transactions; the respective Card Association Networks do. Truist is dependent on the MCC codes provided by the ap plicable Card Association Networks when determining whether a Transaction is a Cash Advance; certain Transactions, including the purchase of quasi -cash items and peer-to- peer transfers, may also be categorized by the Card Association Network using a Cash Advance MCC.  Convenience Check: This is a check that Truist may provide to you. The check can be used to access the Account to make a Transaction.  Credit Limit: This is the total dollar amount of credit we assign to the Account for you to access to make Transactions associated with the  Account. Default: Any failure by you to maintain the payment obligations related to the Agreement/the Account or any failure by you to comply with the terms of the Agreement. See also �When the Account is in Default� section.  Due Date: The date by which Truist must receive at least the Minimum Payment on a Statement for the p ayment to be deemed on time. Truist must receive your payment by 11:59 pm ET on the Due Date stated in your Statement. Your Due Date will occur on the same calendar day of each mo nth. It will be at least 21 days after the date Truist mails your Statement and at least 25 days after the end of your most recently concluded Billing Cycle.  Good Standing: This generally means that the Account is not in Default and you are in full compliance with the terms of the Agreement; the Bank, using its sole and absolute discretion, determines whether the Account is in Good Standing.  Grace Period: The time period during which you may avoid paying interest on Purchases. There is no Grace Period for Balance Transfers, Cash  Advances, or overdraft protection transfers. Late Payment: When you fail to make a payment to Truist by the Due Date in an amount that is at least that of the Minimum Payment.  Minimum Payment: This is the lowest amount you must pay each month to help keep the Account in Good Standing; this payment amount is reflected on the Statement for the Account. New Balance: The total amount owed for the Account, including all Transactions, Balances, accrued fees, interest charges, and other amount s associated with and due on the Account as of the closing date on a given Statement.  Purchase: Credit that Truist extends to you when you, a Cardholder, or an Authorized User use a Card or the Account to purchase goods, labor, insurance, or services at or through participating merchants.  Statement: The document Truist typically sends (or makes available online) to you at the end of a Billing Cycle; we may not be required to send or make available to you a Statement for every Billing Cycle. The Statement includes the Transactions, fees, and interest charges that occurred during  that Billing Cycle; the total Balance tha t you owe the Bank; the Minimum Payment that must be paid; the Due Date for the Minimum Payment; and other important information related to the Account.  Transaction: This refers to an authorization request, Purchase, Balance Transfer, Cash Advance, overdra ft protection transfer, cash-equivalent Transactions, deposit, payment, refund, account inquiry, or other transaction that is or was: (i) initiated using your Card or the Account and (ii) processed (or submitted for processing) via a Card Association Network. Transaction Date: For Purchases, Cash Advances, Balance Transfers, and overdraft protection transfers, this is the date the Transaction is made . For Convenience Checks, this is the date that Truist processes the check. The Transaction Date for every Transaction is listed on your Statement.  Unauthorized Use: This is the use of a Card or the Account (in any way) by a person who is not you, a Cardholder, or an Authorized User, and wh o does not have actual, implied, or apparent authority for such use, and from which you, a Cardholder, or Authorized User received no benefit, directly or indirectly.   Consumer Credit Card Agreement, page 11  
You, Your, you, your, and Account Holder: The  individual(s)  contractually liable for the Account under the Agreement or otherwise responsible for complying with 
the Agreement. Joint Account Holders are joint and severally liable for the Account.
Truist Bank, M ember  FDIC. � 2021  Truist  Financia l Corporation.  Truist, t he Truist  logo, and  Truist Purple are  service  marks  of Truist Financial Corporation. A ll rights 
reserved. Credit  cards a re issued b y Truist .  
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