INTEREST RATE AND INTEREST CHARGES 

Annual Percentage Rate(APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When It Applies 
How to avoid paying interest on 
purchases 

Minimum Interest Charge 
For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Annual Fees 
Transaction Fees 
•  Purchases 
•  Balance Transfer 
•  Cash Advance 
•  Foreign Fees 

0.00% introductory APR for twelve months. 
After that, your APR will be 21.15%.  This APR will vary with the market based on the Prime 
Rate* 
0.00% introductory APR for twelve months. 
After that, your APR will be 21.15%.  This APR will vary with the market based on the Prime 
Rate* 
22.15% This APR will vary with the market based on the Prime Rate** 
None 
Your due date is at least 25 days after close of each billing cycle. We will not charge you Interest 
on Purchases if you pay 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 website 
of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore 

FEES 

None 

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. 

Penalty Fees 
•  Late Payment 
•  Over-the-Credit-Line 
•  Returned Payment 
Other Fees 
•  Statement Copy Fee 
•  Customer Requested Expedited 

Service Fee 

Up to $37*** 
None 
None 

$5 with a $100 maximum per occurrence 
$25 

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. 
Others: *The rate for Purchases and Balance Transfers is determined monthly by adding 17.9% to Prime Rate. 
** The rate for Cash Advances is determined 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. 

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. 

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. 

The information stated above is accurate as of 09/29/14; 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. 

Credit cards are issued by Branch Banking and Trust Company, a subsidiary of BB&T Corporation. Member FDIC 

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