BB&T Financial, FSB 

ACCOUNT-OPENING DISCLOSURES 

Interest Rates and Interest Charges  
Annual Percentage 
Rate (APR) for 
Purchases  

0.00% introductory APR for twelve months. 

After that, your APR will be 12.15%. This APR will  
vary with the market based on the Prime Rate*.  

APR for Balance 
Transfers  

APR for Cash 
Advances 

Penalty APR  
Paying Interest  

Minimum Interest 
Charge  
For Credit Card Tips 
from the Federal 
Reserve Board  

Fees 
Annual Fee 
Transaction Fees 
 
 
 
 

Purchases 
Balance Transfer 
Cash Advance 
Foreign 
Transaction 

Penalty Fees 
 
  Over-the-Credit 

Late Payment 

 

Limit 
Returned 
Payment 

Other Fees 
 

 

Statement Copy 
Fee 
Customer 
Requested 
Expedited 
Service Fee 

0.00% introductory APR for twelve months. 

After that, your APR will be 12.15%. This APR will 
vary with the market based on the Prime Rate*. 
12.15% This APR will vary with the market based on the 
Prime Rate*. 
None.  
Your due date is at least 25 days after the close of each billing 
cycle. We will not charge you any Interest on Purchases if you pay 
your entire balance by the due date each month. We will begin 
charging Interest on Cash Advances and Balance Transfers on the 
transaction date.  
If you are charged Interest, the charge will be no less than $1.00.  

To learn more about factors to consider when applying for or using 
a credit card, visit the website of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard.  

None. 

None.  
3% of each advance ($10 minimum; $99 maximum) 
3% of each advance ($10 minimum; $99 maximum) 
3% of the U.S. dollar amount of each transaction made in a 
foreign currency and any transaction made in U.S. dollars that is 
processed outside of the United States. 

Up to $35**   
None.  

None. 

$5 with a $100 maximum per occurrence.  

$25 

*The rate for Purchases, Balance Transfers, and Cash Advances is determined monthly 
by adding 8.9% to Prime Rate.                                                                                              
**Your account will be charged a late fee of up to $25.00 the first time your Total Minimum 
Payment is not received by the due date.  After that, any late payment during the next six 
billing cycles will result in a late fee of up to $35.00.  No late fee will be more 
than your Total Minimum Payment due. 

SEE BACK OF PAGE 
for more important information about your account 

                                                                                                                               
 
 
 
 
 
 
By providing a wireless telephone (cell phone) number to us, or by providing such a 
number to us or any of our affiliates or agents at any other time, you give consent to 
receive autodialed and/or prerecorded messages or other calls to that number. 
These may include collection calls and could come from us, our agents, affiliates, or 
a third party debt collector collecting debts on our behalf.  You also give consent to 
receive such calls should we obtain your cell phone number from any other source. 

Optional BB&T Rewards Annual Fee: $9. Fee is waived for the first year (the first 
12 billing cycles) and waived annually thereafter if you spend $2,400 per year in net 
Purchases. Fees, Interest, Balance Transfers and Cash Advances are not included 
in net Purchases. 

How We Will Calculate Your Balance: We use a method called “average daily 
balance (including new purchases).” See your Cardholder Agreement for more 
details.  

Billing Rights: Information on your rights to dispute transactions and how to 
exercise those rights is provided in your Cardholder Agreement.  

Variable Rate Information: The Prime Rate used to determine your APR is a 
variable rate and is the highest prime rate published in the “Money Rates” section of 
the Eastern edition of The Wall Street Journal as of the last day of the month. In the 
event a rate is not published on the last day of the month, the rate published most 
recently prior to that date will be the effective rate. Prime Rate changes will then take 
effect on the first day of the next billing cycle.  

Right to Reject: You may reject this credit card account by calling 1-800-476-4228, 
provided you have not used the account or paid a fee after receiving a billing 
statement. If you do reject the account, you are not responsible for any fees or 
charges.  

Guidelines for Payments: Payment is due by the date specified on your 
statement. Payments may be made:  

•  At the teller line during normal business hours  
•  Through BB&T Phone24 by 6 pm EST  
•  Through BB&T OnLine by 6 pm EST  
•  By mail – To ensure prompt processing of your payment, please mail to the 
address shown on your statement: BB&T Financial, FSB, PO Box 580435, 
Charlotte, NC 28258-0435. Payments must be received by the due date.  
Please allow at least 5 days for mail delivery. In order to receive prompt 
credit, please include the payment coupon with the payment. Only checks or 
money orders will be accepted.  

The information stated above is accurate as of 12/31/11; however, this information is 
subject to change. To obtain information about changes in the above disclosures, 
contact your local BB&T branch office or write: BB&T Financial, FSB, PO Box 698, 
Wilson, NC 27894-0698, or call 1-800-476-4228.  

Credit cards are issued by BB&T Financial, FSB, a subsidiary of BB&T Corporation. 
Member FDIC     

Rev. 12/11 

I001767