BB&T Spectrum Secured Retail Credit Card Disclosure 

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

19.40%. This APR will vary with the market based on the Prime Rate*.

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR 
How to Avoid Paying 
Interest on Purchases 

Minimum Interest Charge 
For Credit Card Tips from 
the Consumer Financial 
Protection  Bureau 

Fees 
Annual Fee 
Transaction  Fees 

  Purchases 

     Balance Transfer 

Cash Advance 
Foreign Transaction 

Penalty Fees 

19.40%. This APR will vary with the market based on the Prime Rate*.

23.40%. This APR will vary with the market based on the Prime Rate. The pricing you
receive will be determined upon review of your application, credit history, and banking 
relationship**. 
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. 
None. 
To learn more about factors to consider when applying for or using a credit card, visit the 
Consumer Financial Protection Bureau’s website at: 
http://www.consumerfinance.gov/learnmore 

$19****. 

None. 
3% of each advance ($10 minimum). 
3% or $10 minimum on transactions greater than $10. 
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. 

Late Payment 
Over-the-Credit-Limit 
Returned  Payment 

Up to $37***. 
None. 
None. 

How We Will Calculate your Balance: We use a method called “average daily balance (including new purchases).” See your 
Cardholder Agreement for more details. 
Other:*The rate for Purchases and Balance Transfers is determined monthly by adding 14.9% to Prime Rate. 
** The rate for Cash Advances is determined monthly by adding 18.9% 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 $37.00. No late fee will be more than your  Total Minimum Payment due. 
****The $19 initial Annual Fee will be charged to your secured credit card Account during the first billing cycle and every 12 
months  thereafter. 
Other Fees: The Statement Copy Fee is $5 with a $100 maximum per occurrence.  The Customer Requested Expedited Service 
Fee is $25. 
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. 
The WSJ Prime Rate is currently 4.50% as of December 13, 2017; 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: Branch Banking and Trust 
Company, PO Box 698, Wilson, NC 27894-0698, or call 1-800-476-4228. 
Bank Secrecy Act Notice: Important Information About Procedures for Opening a New Account: To help the government 
fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and 
record information that identifies each person who opens an account. What this means for you: When you open an account, we 
will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your 
driver’s license or other identifying documents. 
FCRA Risk-Based Pricing Notice: The terms offered are set based in whole or in part on information obtained in a report from 
the consumer reporting agency listed below. Effective December 1, 2004, you have a right under the Fair Credit Reporting Act to 
obtain a  free copy of the report from the consumer reporting agency: Equifax Information Services, LLC, Mail drop H-13, 1550 
Peachtree Street, Atlanta, GA 30309, (800) 685-1111. 

PRESCREEN & OPT-OUT NOTICE: This "prescreened" offer of credit is based on information in your credit report 
indicating  that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not 
want to receive  prescreened offers of credit from this and other companies, call the Consumer Reporting   Agencies 
toll free, (888) 567-8688;  or write Equifax Options, PO Box 740123, Atlanta, GA 30374; Trans Union, Name Removal 
Option, PO Box 505, Woodlyn, PA  19094; Experian Credit Marketing Opt-Out, PO Box 919, Allen, TX  75013. 

Notice About Communications: By providing your contact information and wireless telephone (cell phone) number to us, for  
which you have represented that you are the subscriber or for which you are authorized to consent on behalf of the subscriber, or 
by  providing such information to us or any of our affiliates or agents at any other time, you give consent to receive autodialed 
and/or  prerecorded messages, text message(s), emails or other electronic messages for the purpose of servicing your Account or 
for other  purposes related to your Account. These communications may include collection calls and could come from us, our 
agents,  affiliates, or a third-party debt collector collecting debts on our behalf.  You agree that we will not charge you for a 
communication,  but your service provider may.  You also understand and agree that we may always communicate with you in a 
manner permissible  by law.  You agree that we may monitor and record any telephone calls to assure the quality of our service or 
for other business  reasons.  You may revoke your consent to receive calls at any time through any manner. 

Credit cards are issued by Branch Banking and Trust Company, a subsidiary of BB&T Corporation. Member FDIC.