MASTERCARD®/VISA®
CONSUMER CARDHOLDER AGREEMENT
AND
TRUTH IN LENDING DISCLOSURES

ELECTRONIC FUND TRANSFER
AGREEMENT AND DISCLOSURES

Important: Please read this folder
and retain it for your records.

TABLE OF CONTENTS

MASTERCARD/VISA CONSUMER CARDHOLDER
AGREEMENT AND TRUTH-IN-LENDING
DISCLOSURES ....................................................3

TERMS USED IN AGREEMENT......................3

AGREEMENT BETWEEN BANK AND
CARDHOLDER .............................................3

ARBITRATION AGREEMENT..........................9

TRUTH IN LENDING DISCLOSURES AND
COMPUTATION OF ANNUAL PERCENTAGE
RATES/FEES.....................................................11

YOUR BILLING RIGHTS..............................15

ELECTRONIC FUND DISCLOSURE ........................17

REGULATION E DISCLOSURES ...................20

MASTERCARD/VISA CONSUMER
CARDHOLDER AGREEMENT

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MASTERCARD/VISA CONSUMER CARDHOLDER
AGREEMENT AND TRUTH IN LENDING DISCLOSURES

This Cardholder Agreement and Truth in Lending Disclosures
(“Agreement”) applies to any MasterCard Card or Visa Card
(“Card”) previously issued, or to be issued, by Branch Banking
and Trust Company (“Bank”). This Agreement also governs
the issuance and use of “Convenience Checks” (“Convenience
Checks”), Balance Transfers, and the use of your Cardholder
Account to provide Overdraft Protection.

TERMS USED IN AGREEMENT

The following words have the following meanings in this
Agreement: (a) “Cardholder” means any individual(s), firm,
partnership, or corporation who applies for, signs, accepts, uses,
retains, or authorizes the use of the Card (hereinafter “you,”
“your”); (b) “Cardholder Account” or “Account” means the credit
account or accounts established by Bank for Cardholder for
all transactions under this Agreement as a result of issuance
of either a MasterCard Card or Visa Card; (c) “Cash Advance”
means a loan that Cardholder obtains from Bank using any of
the methods specified in this Agreement; (d) “Purchase” means
a purchase of goods sold or services of any kind from a seller
or provider of goods or services; (e) “Maximum Credit Limit”
means the total dollar amount Bank approves against which the
Cardholder may make Purchases through the use of Cards; (f)
“Cash Advance Limit” means that portion of the Maximum Credit
Limit against which the Cardholder may get Cash Advances
through any of the methods specified in this Agreement; (g)
“Merchant” means a business displaying the MasterCard and/
or Visa signs; (h) “Overdraft Protection” means a service for
qualified checking account clients of Bank’s affiliated financial
institutions, which protects your designated checking accounts
from overdrafts and rejected items by making automatic Cash
Advances from your Cardholder Account.

AGREEMENT BETWEEN BANK AND CARDHOLDER

Cardholder agrees to be bound by the following terms,
conditions, and disclosures, which shall constitute the
Agreement between Bank and Cardholder. Furthermore,
by accepting and using the Card or a Convenience
Check, Cardholder expressly agrees to be bound by the
provisions of this Agreement and to the rates and charges
applicable to use of the Card and the Convenience Checks.
Cardholder acknowledges this Account is to be used
primarily for personal, family, or household use.

1. Bank may refuse to issue the Card, or may revoke the Card
issued to Cardholder, with or without cause or notice. Any
revoked Card, along with any Convenience Checks, must
be surrendered upon demand or upon knowledge of its
revocation, to Bank or its agent designated to repossess the
Card. No expired or revoked Card or Convenience Checks
shall be used to obtain, or to attempt to obtain, credit.
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2. Under the terms hereof Cardholder may, by use of the Card,
buy goods and services from businesses displaying the
MasterCard and/or Visa signs. A business displaying any of
the above signs shall be hereinafter referred to as Merchant.
Cardholder may also use the Card to borrow cash from any
bank displaying the appropriate sign. The Card must be signed
to insure proper use. The Card is not valid unless signed by the
Cardholder. Cardholder must follow any reasonable and proper
procedures required by a bank or Merchant honoring the Card.

3. Cardholder may utilize Convenience Checks as he would

checks written on a regular checking account. Bank will honor
a properly signed Convenience Check, which shall be deemed
to be signed written authorization for a Cash Advance. Any
Convenience Checks delivered to Cardholder will be similar
to regular checking account checks. The only party authorized
to sign a Convenience Check shall be the Cardholder
regardless of whether other individuals are authorized to
receive extensions of credit under this Agreement. Other
than Convenience Checks and personal checks drawn on
a checking account for which Cardholder has obtained
Overdraft Protection, no other checks may be used to obtain
Cash Advances, and when paid by Bank they will constitute a
Cash Advance which will be debited to Cardholder’s account.
Bank shall not be obligated to certify any Convenience Check
issued under this Agreement. Convenience Checks may only
be written in U.S. Dollars. Also, Bank shall not be obligated
to pay a Convenience Check if such payment will overextend
Cardholder’s credit limit or if Cardholder’s account is not in
good standing. A Convenience Check cannot be used to make
a payment on your Cardholder Account.

4. Cardholders who are also qualifying checking account clients

may elect to utilize their Cardholder Account to provide
Overdraft Protection for one or more qualifying checking
accounts. If you have elected to use your Cardholder Account
to provide Overdraft Protection, automatic Cash Advances will
be made against the Credit Card Account to cover overdrafts
in designated checking accounts. The presentation of any
check signed by any person authorized to draw checks upon
any checking accounts for which you have elected Overdraft
Protection or the assessment of any other charges against the
checking accounts in excess of the balance in the checking
accounts constitutes an authorization for a Cash Advance to
be made under this Agreement. We have the sole discretion to
determine whether to advance funds to the checking accounts
in the amount needed to cover each overdraft amount item, up
to the established Cash Advance Limit, to pay checks, drafts,
or any other charges when there is not a sufficient balance
in the checking accounts at the time such checks, drafts,
or other charges are presented or made. Bank may refuse
to authorize any Cash Advance in connection with Overdraft
Protection if the Cardholder Account is not in good standing
or if the Cash Advance would exceed the Cash Advance Limit.
Bank is not liable for any returned items or NSF fees. The
terms and conditions governing your checking accounts and
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the fees (including any fees charged for Overdraft Protection)
associated with your checking accounts are contained in the
Bank Services Agreement and the Financial Services Pricing
Guide which are incorporated herein by reference.

5. Cardholder shall not use the Card, Convenience Checks or
Overdraft Protection if such use would make Cardholder’s
debt to Bank greater than the credit limit set by Bank from
time to time.

6. Upon request, Cardholder may transfer outstanding

balances from other credit cards to the Card (“Balance
Transfer”). Cardholder has 10 days from the date the
Account was opened to call Bank at 1-800-476-4228 to
cancel any Balance Transfers. Balance Transfer processing
time may vary so please continue to pay the minimum
amount due until the Balance Transfer amount appears on
the billing statement from your other creditor(s). All Balance
Transfers will be posted to the Cardholder’s Account as a
Purchase, with the Balance Transfers considered a part of
the outstanding balance from the date of the transfer. Bank
may charge a Balance Transfer Fee. Please see the Account
Opening Disclosure for any applicable Balance Transfer Fee.
7. The Bank at its discretion may from time to time increase

the credit limit of the cardholder.

8. The Bank may at anytime decrease the credit limit of the

cardholder if the Bank deems repayment of the debt to be at
risk or if the performance by the client is deemed impaired.
9. Bank may charge an annual fee to Cardholder’s account,
in advance, whether or not the Card is used to obtain
extensions of credit. The amount of the annual fee will be
as specified from time to time by notice or disclosure given
by Bank to Cardholder.

10. Cardholder shall be responsible for the annual fee and

all credit obtained (through Purchases, Cash Advances, or
otherwise) by the authorized use of Card or Convenience
Checks, by any person. Further information regarding
the annual fee may be found in the Account Opening
Disclosure included with this mailing.

11. The following transactions are considered Cash Advances:
requesting cash in person at any bank; making a credit
transaction at participating ATM network machines; making
a credit transaction through on-line banking; funding a wire
transfer; purchasing of money orders, travelers checks, lottery
tickets, or betting or casino chips; writing a Convenience
Check; making a credit transaction by using BB&T Phone24;
or utilizing Overdraft Protection. A Cash Advance fee will
not be charged on Cash Advances made in connection with
Overdraft Protection. Fees may apply for other types of cash
advances as listed in paragraph 8(d) of the Truth in Lending
Disclosures. At the time of obtaining each Cash Advance
(other than at an ATM machine) or at the time of making each
purchase or credit transaction, Cardholder or his authorized
user, shall sign a Cash Advance slip or sales slip, as the case
may be, evidencing the transaction. The word “slip” shall
include a draft or any other instrument acknowledging or
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recognizing the transaction. Cardholder shall be furnished
one copy of each slip signed by the Cardholder; provided,
however, that no such copy will be furnished if Cardholder
writes a Convenience Check, writes a personal check(s)
triggering Overdraft Protection or makes or receives a credit
transaction at an ATM machine or through on-line banking or
Phone24. Total Cash Advance limits and daily Cash limits will
be established by the Bank at its discretion.

12. If any Card or Convenience Checks are lost or stolen,

Cardholder shall immediately notify Bank upon discovery of
such loss or theft by calling 1-800-476-4228. Cardholder
shall cooperate completely with Bank in its attempts
to recover any losses suffered by Bank resulting from
unauthorized users and shall assist in the prosecution of
such persons. Further information regarding the procedures
for lost or stolen Cards or Convenience Checks is available
in paragraph 11 of the Truth in Lending Disclosures and
paragraphs 1-2 of the Regulation E Disclosures.
13. Bank shall have no liability or responsibility whatsoever
resulting from the refusal of any Merchant or any bank to
honor the Card or Convenience Checks, and Bank shall not
be, or be deemed to be, a party to any purchase or other
transaction between Cardholder (or other user of Card) and any
Merchant even though Bank may become obligated to make
disbursements directly to such Merchant. No cash refunds will
be made to, or accepted by, a Cardholder with respect to any
adjustments for, or returns of, goods or services purchased. Any
adjustment, return or refund in connection therewith shall be
accomplished only by credit to the Cardholder’s account with
Bank authorized by a properly executed credit slip.

14. If a Merchant discloses a policy such as “no returns”,

“no refunds”, “as is”, etc. you will be bound by that policy
when you use your Account to purchase goods or services
from that Merchant. Similarly, if you use your Account to
make travel or lodging reservations, you will be bound by
that Merchant’s cancellation policy.

15. If you authorize a Merchant to charge your Account for
recurring transactions without your card being present,
you agree to notify the Merchant when you discontinue the
transaction or if your Account is closed or a new Account
number is issued by us.

16. This Account may be used for legal purposes only. The
Bank at its discretion may block any transactions that
could be considered of an illegal or at-risk nature. We will
not be liable if you engage in an illegal transaction.

17. Bank will bill Cardholder monthly, on a date selected by Bank,
for amounts becoming due through use of Cardholder’s Card,
Convenience Checks or Overdraft Protection. Upon receipt,
Cardholder should examine each statement and immediately
notify Bank of any charge or item, which Cardholder believes
to be in error, or subject to dispute. Any charge or item as to
which Bank is not notified within sixty (60) days after billing
date shall be conclusively deemed to be correct.

18. If you disagree with a transaction on your statement or have
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a dispute with the Merchant as a result of the transaction,
you agree to provide information or assistance we request.
Otherwise, you agree to pay us for any resulting loss we have
unless we are prohibited by applicable law from holding you
liable for our loss. Transactions made with the proceeds of a
Cash Advance are not covered by this paragraph.

19. Notwithstanding anything herein to the contrary, Bank may
declare you to be in default if one or more of the following
events occur: (a) default by Cardholder in making any
payment when due and payable, (b) default by Cardholder
under any provision of this Agreement, or any other agreement
Borrower may have with Bankcard or any of its affiliated
banks (c) Cardholder’s death, insolvency or making an
assignment for the benefit of creditors, (d) a petition being
filed or any other proceeding being commenced under the
Federal Bankruptcy Code or any state insolvency statute by or
against Cardholder, or (e) a receiver being appointed for, or a
writ or order of attachment, levy or garnishment being issued
against Cardholder or any of Cardholder’s property, assets or
income, (f) or in the event Bank shall deem itself or the debt
unsafe or insecure or deems that the prospect of payment
or performance by customer is impaired, (g) or if any of the
undersigned or any Obligor shall fail to furnish information
to Bank sufficient to verify the identity of the undersigned
or any Obligor as required under the USA PATRIOT Act then,
at Bank’s option, all amounts from Cardholder to Bank shall
become immediately due and payable and in any such event
Cardholder agrees to pay all costs of collection permitted by
applicable law, including reasonable attorneys’ fees, incurred
by Bank in connection therewith.

20. If Cardholder chooses to pay less than the total New
Balance as shown on Cardholder’s monthly periodic
statement, a total minimum payment is required for each
billing cycle. The total minimum payment is calculated as
being (1) 3% of your total New Balance, but not less than
$25.00; or (2) 3% of your total New Balance plus the total
amount over the credit limit including any past due amount.
21. Cardholder agrees to make at least the minimum periodic
payment no later than the due date as indicated on the
monthly periodic statement provided by Bank. Bank may
withhold availability of credit until the payment of the
item presented has been collected. If Cardholder is late
making the payment, Bank may, at its option, charge the
late payment fees as disclosed in paragraph 8 (b) of the
Truth in Lending Disclosures, in addition to the Interest
Cardholder owes under this Agreement.

22. The Bank will apply your payment in the following order:
Interest, Fees, and balances from highest to lowest APR.
23. Any notice required to be given by this Agreement, by law, or

desired to be given by Bank, shall be deemed given if and when
delivered electronically through BB&T OnLine® or posted in the
United States mail, postage prepaid, addressed to Cardholder
at his last known address as shown on Bank’s records.
24. Foreign Transactions and Fees: Visa or MasterCard

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International will convert to U.S. dollars any charge or credit
made to your Account in currency other than U.S. dollars. The
conversion rate will be determined under Visa or MasterCard
regulations. The conversion rate may differ from the rate on
the date of your transaction. Currently, Visa and MasterCard
use a currency conversion rate of either: (1) a wholesale
market rate, or (2) a government-mandated rate. Visa and
MasterCard use, under their respective regulations, either
the rate in effect on (1) the date the transaction is processed
or (2) the day before the date the transaction is processed.
Bank may charge a foreign transaction fee for transactions
made or processed outside the U.S. as listed in paragraph
8(e) of the Truth in Lending Disclosures.

25. Change In Terms: Bank may change the terms of this
Agreement at any time. The new terms will apply to both
new Purchases and Cash Advances and any unpaid
balance and accrued INTEREST at the time the change is
effective. We will provide you with notice of the change to
the extent required by law.

26. Disputed Accounts: Bank will not be obligated to accept
any check, money order or other payment instrument
marked “payment in full” delivered on any disputed
account, loan balance, fee or expense owed, and Bank
expressly reserves the right to reject all such payment
instruments. All communications concerning any disputed
amounts owed, including without limitation any payment
instrument tendered in good faith as full satisfaction of
amount owed, must be sent to the following address:

Disputed Accounts Bankcard Disputed Payments

P.O. Box 200
Wilson, NC 27894-0200
If Cardholder fails to send any communication, check,
money order or other payment instrument purporting to pay
any disputed amount due hereunder in full, to the address
designated above, the obligation referred to will not be
satisfied, and shall be deemed not to have been in good
faith, even if such payment instrument is inadvertently
processed by Bank.

27. Accuracy of Credit Information: Bank regularly and in

the normal course of business reports its credit experience
with its customers to the major credit bureau repositories.
Should you believe that information we have reported
about the credit history of your Account(s) is inaccurate,
please notify us at the following address: BB&T Loan
Services, P.O. Box 2306, Wilson, North Carolina 27894-
2306. Please include your name, address, Social Security
number, account number and a specific explanation of
what information you believe to be inaccurate.

28. Notice of Furnishing Negative Information: We 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.

29. Important Information For:

California Residents: The applicant, if married, may

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apply for a separate account. After credit approval, each
applicant shall have the right to use this account to the
extent of any credit limit set by the creditor and each
applicant may be liable for all amounts of credit extended
under this account to each joint applicant.
New York and Vermont Residents: We may obtain at any time
your credit reports for any legitimate purpose associated
with the account or the application or request for an account,
including but not limited to reviewing, modifying, renewing
and collecting on your account. On your request, you will be
informed if such a report was ordered. If so, you will be given
the name and address of the consumer reporting agency
furnishing the report. New York residents may contact the
state banking department to obtain a comparative listing
of credit card rates, fees and grace periods. New York State
Banking Department: 1-800-518-8866.
Ohio Residents: The Ohio laws against discrimination
require that all creditors make credit equally available
to all creditworthy customers and that credit reporting
agencies maintain separate credit histories on each
individual upon request. The Ohio Civil Rights Commission
administers compliance with this law.
Utah Residents: As required by Utah law, you are hereby
notified that a negative credit report reflecting on your
credit record may be submitted to a credit reporting agency
if you fail to fulfill the terms of your credit obligation.
Married Wisconsin Residents: No provision of any
marital property agreement, unilateral statement, or
court order applying to marital property will adversely
affect a creditor’s interests unless prior to the time
credit is granted, the creditor is furnished with a copy of
the agreement, statement or court order, or has actual
knowledge of the provision.

30. Governing Law: This Agreement and my Account shall
be governed by the laws of the United States and, to the
extent applicable, the laws of the State of North Carolina,
regardless of where Cardholder resides or uses the Account.

ARBITRATION AGREEMENT

The following arbitration agreement does not apply to you if
you were a member of the active military, or were a spouse or
dependent of a member of the active military, at the time you
applied to establish your account and your account is subject
to the provisions of the Military Lending Act, 10 U.S.C. § 987
and its implementing regulations, 32 C.F.R. § 232.1, et seq.

31. IT IS IMPORTANT THAT YOU READ THIS ARBITRATION
PROVISION CAREFULLY. IT PROVIDES THAT YOU MAY BE
REQUIRED TO SETTLE A CLAIM OR DISPUTE THROUGH
ARBITRATION, EVEN IF YOU PREFER TO LITIGATE SUCH
CLAIMS IN COURT. YOU ARE WAIVING RIGHTS YOU MAY HAVE
TO LITIGATE THE CLAIMS IN A COURT OR BEFORE A JURY.
YOU ARE WAIVING YOUR RIGHT TO PARTICIPATE IN A CLASS
ACTION LAWSUIT, CLASS ACTION ARBITRATION, OR OTHER
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REPRESENTATIVE ACTION WITH RESPECT TO SUCH CLAIMS.

Any dispute, claim, controversy or cause of action, that
is filed in any court and that arises out of or relates to
this Agreement or Cardholder’s application for a Card, or
the breach, termination, enforcement, interpretation or
validity thereof, including the determination of the scope
or applicability of this agreement to arbitrate, shall be
determined by arbitration before one arbitrator at a location
mutually agreed upon in the state where your account is
maintained, or as may be otherwise required under the
JAMS Minimum Consumer Standards, which is incorporated
by reference herein. The arbitration shall be administered
by JAMS pursuant to its Streamlined Arbitration Rules
& Procedures. Judgment on an award may be entered
in any court having jurisdiction. This clause shall not
preclude a party from seeking provisional remedies in
aid of arbitration from a court of appropriate jurisdiction.
The arbitrator may, in its award, allocate all or part of the
costs of the arbitration, including the fees of the arbitrator
and the reasonable attorneys’ fees of the prevailing party.
Notwithstanding other language in this agreement, a party
retains the right to bring an action in small claims court if
it is within the jurisdictional limits of that court. If a party
elects arbitration, it may be conducted as an individual
action only. This means that even if a demand for a class
action lawsuit, class arbitration, or other representative
action (including a private attorney general action) is filed,
the matter will be subject to individual arbitration. Either
party may bring a summary or expedited motion to compel
arbitration or to stay the applicable litigation of a dispute
in any court. Such motion may be brought at any time, and
the failure to initiate or request arbitration at the beginning
of litigation shall not be construed as a waiver of the right
to arbitration. If a party elects to arbitrate it shall provide
notice to the other party. The Bank shall provide notice
to you at the address we have in our records, and you
may provide notice to: Litigation Practice Group Manager,
BB&T Legal Department, P.O. Box 1255, Winston-Salem, NC
27102. You may obtain a copy of the rules of the arbitration
administrator, including information about consumer
arbitration, fees, and instructions for initiating arbitration by
contacting JAMS at www.jamsadr.com. Phone: 800-352-5267.

You and the Bank each agree that under this Agreement,
you and the Bank are participating in transactions
involving interstate commerce which shall be governed
by the provisions of the Federal Arbitration Act, Title 9
of the United States Code (“FAA”) and not by any state
law concerning arbitration. The arbitrator shall follow
applicable substantive law to the extent consistent with
the FAA, applicable statutes of limitation and applicable
privilege rules, and shall be authorized to award all
available remedies, including without limitation, damages
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(to the extent not limited by this Agreement), declaratory,
injunctive and other equitable relief, and attorneys’ fees
and costs. The arbitrator shall follow rules of procedure and
evidence consistent with the FAA, this provision, and the
administrator’s rules.

Any court with jurisdiction may enter judgment upon the
arbitrator’s award. The arbitrator’s award will be final and
binding, except for any appeal right under the FAA. Unless
applicable law provides otherwise, the appealing party will
pay the cost of appeal, regardless of its outcome. However,
we will consider in good faith any reasonable written
request for us to bear the cost of your appeal. We will pay
any fees or expenses we are required by law to pay or in
order to make this arbitration provision enforceable.

This arbitration provision shall survive termination or
suspension of the Account or this Agreement, and shall
survive payment of Cardholder’s obligations under this
Agreement or termination of any or all Cards. If any
portion of this arbitration provision is deemed invalid
or unenforceable, it shall not invalidate the remaining
portions of this arbitration provision or Agreement; provided,
however, if the limitations on class actions are struck in
a proceeding brought on a class, representative or private
attorney general basis, without impairing the right to
appeal such decision, this entire arbitration provision (other
than this proviso) shall be null and void in such proceeding.

TRUTH IN LENDING DISCLOSURES
AND COMPUTATION OF ANNUAL
PERCENTAGE RATES/FEES
Branch Banking and Trust Company (hereinafter “we,”
“our,” and “us”) makes the following Truth in Lending
Disclosures to Cardholder (hereinafter “you,” “your”).
You agree that the rate and charges and methods of
computation and repayment in connection with use of the
Card are as follows:

1.  Computation of INTEREST on Purchases (Daily):

(a) No INTEREST is imposed on Purchases if the total New
Balance as shown on your monthly periodic statement
is paid in full within 25 days of the statement date.
INTEREST is imposed on Balance Transfers from the date
of the transfer.
(b) Where payment of the total New Balance is not made
in full within 25 days (or when the New Balance includes
Balance Transfers), INTEREST will be imposed on your
Purchase balance. We calculate INTEREST on this portion
of your Account by applying the daily periodic rate to
the beginning daily balance for Purchases plus any new
Purchases and fees (other than Cash Advance fees) and
less any payments or credits. To compute the daily balance
for Purchases we take the beginning Purchase balance of
your account each day, add any new Purchases, fees (other
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than Cash Advance fees) and any INTEREST on the current
day’s balance, and we subtract any payments or credits.
This gives us the daily balance. A Purchase appearing on
your statement is considered a part of the outstanding
balance from the date of the transaction or, if posting
occurs in the next billing cycle, then from the first day of
the next billing cycle.
(c) See the Account Opening Disclosure included with
this mailing for the ANNUAL PERCENTAGE RATE. The daily
periodic rate is the annual percentage rate divided by 365.

2.  Computation of INTEREST on Cash Advances (Daily):
(a) INTEREST is imposed for each day that you have the
Cash Advance.
(b) The amount, which will be subject to INTEREST, is the
daily balance of your Cash Advances during the billing
cycle. We calculate the INTEREST on this portion of your
Account by applying the daily periodic rate to the beginning
daily balance for Cash Advances plus any new Cash
Advances and Cash Advance fees and less any payments or
credits. To compute the daily balance for Cash Advances we
take the beginning Cash Advance balance of your account
each day, add any new Cash Advances, any Cash Advance
fees and any INTEREST on the current day’s balance, and
we subtract any payments or credits. This gives us the daily
balance. A Cash Advance appearing on your statement is
considered a part of the outstanding balance from the date
of the transaction or, if posting occurs in the next billing
cycle, then from the first day of the next billing cycle.
(c) See the Account Opening Disclosure included with
this mailing for the ANNUAL PERCENTAGE RATE. The daily
periodic rate is the annual percentage rate divided by 365.

3.  Computation of INTEREST with Special Rate (Daily):
(a) If we have special periodic rate offers in effect from
time to time, we will separately identify them on your
monthly statement and separately disclose on your monthly
statement the balance to which the special offers apply.
These separate balances and the related periodic INTEREST
will be calculated in the same manner as described above
for the current or previous cycle transactions, as applicable.
(b) Special rate offers may apply to special convenience
checks. If so, special convenience checks will be issued
and, if used, will be posted to the account as Purchases,
with INTEREST imposed from the transaction date.
(c) When a special rate offer expires, the annual
percentage rates under 1 (c) and/or 2(c) will apply.
(d) If applicable, see the Account Opening Disclosure
included with this mailing and incorporated by reference
for the special introductory ANNUAL PERCENTAGE RATE.
The special introductory daily periodic rate is the special
annual percentage rate divided by 365.

4.  Computation of INTEREST on Purchases (Monthly):

(a) No INTEREST is imposed on Purchases if the total New
Balance as shown on your monthly periodic statement is paid
in full within 25 days of the statement date. INTEREST is
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imposed on Balance Transfers from the date of the transfer.
(b) Where payment of the total New Balance is not made
in full within 25 days (or includes Balance Transfers),
INTEREST will be imposed on your Purchase balance. We
calculate INTEREST on this portion of your Account by
applying the monthly periodic rate to the Average Daily
Purchase Balance. To determine the Average Daily Purchase
Balance of any account, we will take the beginning
Purchase balance of the account each day, add any new
Purchases (including Balance Transfers) and Fees (except
Cash Advance fees), and subtract any payment or credits.
This produces the daily Purchase balance. Then, we add up
the daily Purchase balances for each day in the billing cycle
and divide the total by the number of days in the billing
cycle. This produces the Average Daily Purchase Balance.
A Purchase appearing on your statement is considered
a part of the outstanding balance from the date of the
transaction or, if posting occurs in the next billing cycle,
then from the first day of the next billing cycle.
(c) See the Account Opening Disclosure included with this
mailing for the ANNUAL PERCENTAGE RATE. The monthly
periodic rate is 1/12 of the annual percentage rate.

5.  Computation of INTEREST on Cash Advances (Monthly):
(a) INTEREST is imposed for each day that you have the
Cash Advance.
(b) The amount, which will be subject to INTEREST, is the Cash
Advance Balance. We calculate INTEREST on this portion of
your Account by applying the monthly periodic rate to Average
Monthly Cash Advance Balance. To determine the Average
Daily Cash Advance Balance of any account (including current
transactions), we will take the beginning Cash Advance
Balances of the account each day, add new Cash Advances
and Cash Advance fees and subtract any payments or credits.
This produces the daily Cash Advances balance. Then, we add
up the daily balances for each day in the billing cycle and
divide the total by the number of days in the billing cycle. This
produces the Average Daily Cash Advance balance. A Cash
Advance appearing on your statement is considered a part of
the outstanding balance from the date of the transaction or, if
posting occurs in the next billing cycle, then from the first day
of the next billing cycle.
(c) See the Account Opening Disclosure included with this
mailing for the ANNUAL PERCENTAGE RATE. The monthly
periodic rate is 1/12 of the annual percentage rate.
6.  Computation of INTEREST with Special Rate (Monthly):
(a) If we have special periodic rate offers in effect from
time to time, we will separately identify them on your
monthly statement and separately disclose on your monthly
statement the balance to which the special offers apply.
These separate balances and the related periodic INTEREST
will be calculated in the same manner as described above
for the current or previous cycle transactions, as applicable.
(b) Special rate offers may apply to special convenience
checks. If so, special convenience checks will be issued
13

and, if used, will be posted to the account as Purchases,
with INTEREST imposed from the transaction date.
(c) When a special rate offer expires, the annual
percentage rates under 1 (c) and/or 2(c) will apply.
(d) If applicable, see the Account Opening Disclosure
included with this mailing and incorporated by reference
for the special introductory ANNUAL PERCENTAGE RATE.
The special introductory monthly periodic rate is  1/12 of
the special annual percentage rate.

7.  Minimum INTEREST:  See the Account Opening Disclosure
included with this mailing and incorporated by reference
for the minimum INTEREST charge.

8. Fees and Charges: These fees will be subject to the applicable

INTEREST as provided in paragraphs 1 and 2 above.
(a) Annual Fee: See the Account Opening Disclosure
included with this mailing and incorporated by reference
for the annual fee.
(b) Late Payment Fee:  See the Account Opening Disclosure
included with this mailing and incorporated by reference for
the late fee.
(c) Balance Transfer Fee: See the Account Opening
Disclosure included with this mailing and incorporated by
reference for the balance transfer fee.
(d) Cash Advance Fee: See the Account Opening Disclosure
included with this mailing and incorporated by reference
for the cash advance fee.
(e) Foreign Transaction Fee: See the Account Opening
Disclosure included with this mailing and incorporated by
reference for foreign transaction fee.
(f) Return Payment Fee: See the Account Opening
Disclosure included with this mailing and incorporated by
reference for return payment fee.
(g) Statement Copy Fee: See the Account Opening
Disclosure included with this mailing and incorporated by
reference for statement copy fee.
(h) Customer Requested Expedited Service Fee: See the Account
Opening Disclosure included with this mailing and incorporated
by reference for customer requested expedited service fee.
9.  We retain no security interest in any property purchased

with your Card.

10. You will not be liable for any unauthorized use of your Card or
Convenience Checks if you report the loss, theft or unauthorized
use. Written notice should be provided to Branch Banking and
Trust Company, P.O. Box 698, Wilson, North Carolina 27894-
0698. Verbal notice should be given by calling 1-800-476-
4228. A transaction is considered unauthorized if it is initiated
by someone other than the Cardholder without the Cardholder’s
actual, implied, or apparent authority, and the Cardholder
receives no benefit from the transaction. We may conduct an
investigation of your claim, and we may deny your claim if
we reasonably conclude that the facts and circumstances do
not reasonably support a claim of unauthorized use. We may
require you to provide a written statement, affidavit or other
information in support of your claim of unauthorized use. If
14

you do not provide supporting information within the time
requested or within a reasonable period of time if a date is not
stated, we may deny your claim of unauthorized.

YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE
This notice contains important information regarding your
rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Think You Find a Mistake On Your
Statement

If you think there is an error on your statement, write to us at:
Customer Service
PO Box 30495
Tampa FL 33630-3495
In your letter, give us the following information:

•  Account information:  Your name and account

number;

•  The posting date of the transaction in question;
•  Dollar amount:  The dollar amount of the suspected

error; and

•  Description of Problem:  If you think there is an error
on your bill, describe what you believe is wrong and
why you believe it is a mistake.

You must contact us within 60 days after the error
appeared on your statement.

You must notify us of any potential errors in writing.
You may call us, but if you do, we are not required to
investigate any potential errors and you may have to pay
the amount in question.

While we investigate whether or not there has been an
error, the following are true:

•  We cannot try to collect the amount in question, or

report you as delinquent on that amount.

• The charge in question may remain on your statement,
and we may continue to charge you interest on that
amount. If we determine that we made a mistake, you
will not have to pay the amount in question or any
interest or other fees related to that amount.
•  While you do not have to pay the amount in

question, you are responsible for the remainder of
your balance.

•  We can apply any unpaid amount against your credit

limit.

Your Rights and Our Responsibilities After We Receive
Your Written Notice
We must acknowledge your letter within 30 days, unless
we have corrected the error by then. Within 90 days, we
must either correct the error or explain why we believe the
statement was correct.
After we receive your letter, we cannot try to collect any
amount you question or report you as delinquent. We can
15

continue to bill you for the amount you question, including
interest, and we can apply any unpaid amount against your
credit limit. You do not have to pay any questioned amount
while we are investigating, but you are still obligated to pay
the parts of your statement that are not in question.
If we find that we made a mistake on your statement, you
will not have to pay any interest related to any questioned
amount. If we did not make a mistake, you may have to pay
interest, and you will have to make up any missed payments
on the questioned amount. In either case, we will send you a
statement of the amount you owe and the date that it is due.
If you fail to pay the amount that we think you owe, we
may report you as delinquent. However, if our explanation
does not satisfy you and you write to us within ten days
telling us that you still refuse to pay, we must tell anyone
we report you to that you have a question about your
statement. And, we must tell you the name of anyone we
reported you to. We must tell anyone we report you to that
the matter has been settled between us when it finally is.
If we do not follow these rules, we cannot collect the first $50
of the questioned amount, even if your statement was correct.
Your Rights If You Are Dissatisfied With Your Credit Card
Purchases

If you are dissatisfied with the goods or services that you
have purchased with your credit card 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:

1. The purchase must have been made in your home state
or within 100 miles of your current mailing address, and
the purchase price must have been no  more than $50.
(Note: Neither of these is necessary if your purchase was
based on an advertisement we mailed to you, or if we
own the company that sold you the goods or services.)

2. You must have used your credit card for the purchase.
Purchases made with cash advances from an ATM or
with a check that accesses your credit card account do
not qualify.

3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still
dissatisfied with the purchase, contact us in writing at:

Customer Service
PO Box 30495
Tampa FL 33630-3495

While we investigate, the same rules apply to the
disputed amount as discussed above.  After we finish our
16

investigation, we will tell you our decision.  At that point,
if we think you owe an amount and you do not pay, we may
report you as delinquent.

IF YOU HAVE CHOSEN TO HAVE YOUR MASTERCARD OR
VISA CARD ACCESS AUTOMATED TELLER MACHINES, THE
FOLLOWING AGREEMENT AND DISCLOSURES WILL ALSO
APPLY.
ELECTRONIC FUND TRANSFER AGREEMENT AND
DISCLOSURES

This Agreement governs the transfer of funds initiated
through an electronic terminal, telephone, computer, or
magnetic tape for the purpose of instructing the Bank to
debit or credit your consumer account(s). This Agreement
also contains the disclosures required by the federal
Electronic Fund Transfer Act and Regulation E of the Federal
Reserve Board. This information applies only to electronic
fund transfers to or from deposit accounts established
primarily for personal, family, or household purposes.
1. ELECTRONIC FUND TRANSFERS. Electronic fund transfers

include, but are not limited to, debit card and ATM
transactions, preauthorized deposits and payments, telephone
transfers; transfers initiated through a personal computer,
and transfers initiated by third parties. Examples of transfers
initiated by third parties include, but are not limited to,
electronic check conversions and electronic returned check
charges. An electronic check conversion occurs when you
authorize a third party to debit funds from your account using
information from the check you provide to the third party.
This may occur at the point of sale or when you send a check
by mail or deliver a check to a third party’s lockbox location.
In addition, some third parties may initiate an electronic
fund transfer to collect a fee if your check is returned to the
third party for insufficient funds. Your authorization for such
transfers can occur in a number of ways. In some cases, your
authorization can occur when the third party posts a sign or
otherwise informs you of their policy.

2. ACCESS DEVICES. An Access Device is a card or personal
identification code that provides access to a consumer’s
deposit account, which may be used to initiate electronic
fund transfers. Access Devices include, but are not limited
to, your BB&T 24 Automated Teller Machine Card, (ATM Card),
BB&T 24 Check Card (Check Card), Personal Identification
Number (PIN), and your MasterCard or Visa Credit Card *
When used to conduct electronic fund transfers. A check is
not an Access Device; however, an electronic fund transfer
initiated by using information obtained from a check is
governed by this Agreement. You may, verbally or by other
authorized means, request an Access Device to conduct
electronic fund transfers to or from your consumer accounts.
We may refuse to issue an Access Device to any customer,
and we may terminate Access Device privileges, with or
without cause or notice, unless otherwise required by law.

3. APPLICABLE AGREEMENTS. You agree to conduct all

17

electronic fund transfers in accordance with this Agreement
and Disclosures, any separate agreement and disclosure
provided in connection with the issuance of any particular
Access Device, and any agreement governing your
accounts. The repayment of any advances on a credit line
initiated electronically will be governed by the terms and
conditions of the applicable agreement governing the credit
line. Please refer to the Online Banking Services Agreement
for important additional information concerning electronic
fund transfers initiated using a personal computer.
4.  VERIFICATION OF TRANSACTION. Transaction records

issued with respect to an electronic fund transfer will be
subject to verification and adjustment in accordance with
the rules and regulations of the Bank and applicable law.
Where there is a conflict between a transaction record and
the Bank’s record, the Bank’s record shall control.

5. OVERLINES AND OVERDRAFTS. You agree not to conduct any
transaction(s) to withdraw more than the applicable daily
limit on any day, or cause the balance in your deposit account
to go below zero, or cause the outstanding balance of your
credit line to go above your credit limit. We may reject any
such transaction; however, if we pay the overdraft or advance
funds in excess of your credit limit, you agree to pay, upon
request, the excess amount which was improperly withdrawn
or transferred, together with any applicable fees as outlined
in the Financial Services Pricing Guide or in the agreement
governing your account. Overdrafts on your account may
result in advances from your overdraft protection plan. Any
item that cannot be covered by overdraft protection will be
treated as a NSF and subject to applicable NSF fees.
6.  POINT-OF-SALE TRANSACTIONS. If you use your ATM
Card or Check Card to purchase goods and services,
including Internet purchases (Point-of-Sale transactions),
you authorize us to debit your deposit account, and
you agree that your authorization may result in an
immediate withdrawal from the account, even though the
transaction may not actually be posted to that account
until a later date. The Merchant may attempt to obtain
a preauthorization for the transaction. The available
balance in your primary deposit account will be reduced
by the amount of any transaction for which the Merchant
receives authorization from us, even if the documentation
evidencing the transaction has not yet been received
or processed by us. A “hold” placed on your account
will be released and your account will be debited when
documentation matching the authorized transaction
amount has cleared through us, or in three (3) business
days, whichever first occurs. We are not responsible if we
do not authorize electronic fund transfers, or if we dishonor
checks drawn on your checking account while such a hold
is placed on your account. No cash refunds will be made to
you by the Bank on ATM Card/Check Card purchases. Any
claim or dispute regarding goods or services purchased
with your ATM Card/Check Card must be directed to the
18

Merchant or other business establishment at which you
made the purchase. The amount of the credit, if any, will
be reflected on your periodic account statement. You may
not stop payment on ATM Card/Check Card purchases.
7.  ZERO LIABILITY POLICY FOR ATM CARD/CHECK CARD
PURCHASES. You may have no liability for unauthorized
ATM Card or Check Card purchases, subject to the
following terms and conditions:
(a) Our zero liability policies apply only to unauthorized
purchases using your ATM Card or Check Card. Any claims
of unauthorized ATM Card/Check Card purchases that do
not meet the conditions of this section and any claims of
unauthorized transactions involving other types of electronic
fund transfers are governed by the Regulation E Disclosures
below, and any separate agreement provided in connection
with the issuance of the Access Device. If your claim
does not meet the terms and conditions contained in this
section, the Bank will automatically reexamine your claim in
accordance with the Regulation E Disclosures below.
(b) Our zero liability policy may not apply if: (i) we determine
that the unauthorized transaction was a result of gross
negligence or fraud on your part; (ii) you fail to provide us
with a statement or affidavit of your claim within the time
requested; (iii) we determine that the transaction was not
“unauthorized” as defined below; or (iv) you fail to report
the loss, theft, or unauthorized use of your ATM Card, Check
Card, or card number within a reasonable period of time. A
reasonable period of time will be determined by Bank in its
sole discretion, but in no event will it be shorter than the
time periods specified in the Regulation E Disclosures below.
(c) “Unauthorized” Defined – A transaction is considered
“unauthorized” if it is initiated by someone other than you
(the cardholder) without your actual or apparent authority,
and you receive no benefit from the transaction. A transaction
is not considered “unauthorized” if: (i) you furnish the
card, card number, or other identifying information to
another person and give that individual express or implied
authority to perform one or more transactions and the person
then exceeds that authority, or (ii) for any other reason
Bank concludes that the facts and circumstances do not
reasonably support a claim of unauthorized use.

8.  CANCELLING YOUR ACCESS DEVICE. You may cancel your
Access Device at any time by notifying us in writing and
no longer using it. Canceling your Access Device will not
affect your obligations under this Agreement, even if we
allow any transaction to be completed with your Access
Device after this Agreement has been terminated.

9.  MISCELLANEOUS. Unless otherwise required by applicable
law, we may change the terms of this Agreement from
time to time by giving you notice of the change. If we must
collect what you owe us, you will be responsible for our
reasonable expenses of collection, including court costs
and attorney’s fees to the extent permitted by law. If more
than one person requests electronic fund transfer services,
19

each person will be bound by this Agreement and will be
responsible for paying all amounts owed as a result of this
Agreement. We reserve the right to reject any electronic
fund transfer we reasonably believe is made in connection
with an unlawful transaction or activity, including without
limitation, gaming, gambling, lottery, or similar activities.
REGULATION E DISCLOSURES

1. YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS. Tell us AT

ONCE if you believe your Access Device has been lost or stolen,
or that someone may have electronically transferred money from
your account without your permission. Telephoning us is the
best way of keeping possible losses down. Except in situations
governed by the zero liability policy described above, if you tell
us within two (2) business days after you learn of the loss or
theft of your Access Device or the unauthorized transaction,
you can lose no more than $50 if someone makes electronic
transfers without your permission. If you do NOT tell us within
two (2) business days after you learn of the loss or theft of
your Access Device or the unauthorized transaction, and we
can prove that we could have stopped someone from making
electronic transfers without your permission if you had told us,
you could lose as much as $500. Also, if your periodic statement
shows transfers that you did not make, tell us at once. If you do
not tell us within sixty (60) days after the statement was mailed
to you, you may not get back any money you lost after sixty (60)
days if we can prove that we could have stopped someone from
taking the money if you had told us in time. If a good reason
kept you from telling us, we will extend the time periods.
2.  TELEPHONE NUMBER AND ADDRESS TO BE NOTIFIED IN
EVENT OF UNAUTHORIZED TRANSFER. If you believe your
Access Device has been lost or stolen, or your PIN has
been obtained by an unauthorized person, or that someone
has transferred or may transfer money from your account
without your permission, IMMEDIATELY call:

1-800-682-6921
or write
Liability Risk Management
P. O. Box 996
Wilson, North Carolina 27894-0996

3.  BUSINESS DAYS. For purposes of these disclosures, our
business days are Monday through Friday, except Federal
holidays.

4.  TYPES OF AVAILABLE TRANSFERS AND LIMITS ON

TRANSFERS.
(a) Account Access. You may perform the following
types of transactions. Some of these services may not be
available with every Access Device, or at every electronic
terminal and may be subject to restrictions contained in
the agreement provided with that particular Access Device.

•  Account inquiry
• Withdraw cash from your designated deposit accounts
•  Make deposits to your designated deposit accounts
•  Transfer funds between your designated deposit

accounts and line of credit accounts

20

•  Make payments on designated lines of credit from

designated deposit accounts

•  Pay for purchases at Merchants who have agreed
to accept the Access Device, or otherwise initiate
electronic fund transfers to pay for purchases
•  Electronically pay bills directly from your deposit

account

(b) Limitations on Frequency of Transfers: For savings
accounts only (including Money Rate Savings and
Investor’s Deposit Account), there is a limit of no more
than six (6) transfers or withdrawals during any statement
cycle to or from your deposit accounts, or to a third party
by means of either a preauthorized or automatic transfer
or by telephonic agreement (which includes BB&T OnLine
and BB&T Phone24), and no more than three of the six
transfers may be made by check, draft, Check Card or ATM
Card Point-of-Sale transactions or similar order made by
you and payable to third parties.
(c) Limitations on Dollar Amounts of Transfers:

• You may withdraw up to a maximum of $500 (Elite
Classic, Classic Banking, Golden Advantage, Elite
Gold, and SMART Money Manager customers may have
higher daily withdrawal limits as disclosed in the
individual product brochures) each business day from
our ATMs. For security reasons, there may be other
limits imposed on the amount you may withdraw
•  The daily limits for Check Card or ATM Card Point-
of-Sale are the lesser of your available balance or
$2,000 ($3,000 for Elite Classic, Classic Banking,
and Golden Advantage,

$5,000 for Elite Gold and SMART Money Manager).
•  Other limitations may apply to transfers made using

BB&T OnLine.

•  Other limitations may apply at ATMs that do not

display the BB&T name.

5. CHARGES FOR TRANSFERS OR RIGHT TO MAKE TRANSFERS.
If an account is subject to service fees, the applicable
service fees will apply whether the transfer is initiated
electronically or by written order. Applicable service fees,
and fees for conducting electronic fund transfers are
outlined in the Financial Services Pricing Guide. A fee may
be imposed for a balance inquiry even if you do not complete
a funds transfer. In addition, you may incur surcharges
when using an ATM that does not display the BB&T 24 logo
and when using a Money 24 ATM. Money 24 ATMs are owned
by Money 24, Inc., a subsidiary of BB&T Corporation.

6.  DOCUMENTATION OF TRANSFERS:

(a) Electronic Terminal Transfers. You may get a receipt
at the time you make a transfer using an ATM terminal or
point-of-sale terminal.
(b) Preauthorized Deposits. If you have arranged to have
direct deposits made to your account at least once every
sixty (60) days from the same person or company, you can
call us at 1-800-682-6921, during normal business hours,
21

to find out whether or not the deposit has been made.
(c) Periodic Statements. You will receive a monthly account
statement, or less frequently if the account is inactive, that
will show your electronic fund transfers.
7.  PREAUTHORIZED TRANSFERS/PAYMENTS:

(a) Right to Stop Payment and Procedure for Doing So.
If you have told us in advance to make regular payments
from your account, you can stop any of these payments.
Here’s how: Visit a branch to complete a stop payment
form or write to: Electronic Banking Department, P.O. Box
996, Wilson, North Carolina 27894-0996 in time for us to
receive your request at least three (3) business days before
the payment is scheduled to be made. If you call, we may
require you to also put your request in writing and get it to
us within fourteen (14) days after you call. You should refer
to the BB&T OnLine Banking Services Agreement for the
procedure to stop an OnLine payment.
(b) Notice of Varying Amounts. If these regular payments
may vary in amount, the person you are going to pay will
tell you ten (10) days before each payment, when it will be
made and how much it will be.
(c) Liability for Failure to Stop Payment of Preauthorized
Transfer. If you order us to stop one of these payments
three (3) business days or more before the transfer is
scheduled, and we do not do so, we will be liable for your
losses or damages.

8. BANK’S LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we
do not complete a transfer to or from your account on time or
in the correct amount according to our agreement with you,
we will be liable for your losses or damages. However, there
are some exceptions. We will NOT be liable, for instance: (i)
if, through no fault of ours, you do not have enough money in
your account to make the transfer; (ii) if the transfer would
go over the credit limit on your credit line; (iii) if the ATM
was not working properly and you knew about the breakdown
when you started the transfer; (iv) if circumstances
beyond our control prevent the transfer despite reasonable
precautions we have taken; and (v) if the ATM where you are
making the transfer, does not have enough cash. There may
be other exceptions stated in other agreements with you.

9.  IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR
ELECTRONIC FUND TRANSFERS, TELEPHONE US AT:

1-800-682-6921
or write
Liability Risk Management
P. 0. Box 996
Wilson, North Carolina 27894-0996
Tell us as soon as you can, if you think your statement or
receipt is wrong, or if you need more information about a
transfer listed on the statement or receipt. We must hear
from you no later than sixty (60) days after we sent the
FIRST statement on which the problem or error appeared.

•  Tell us your name and deposit account number (if any)
•  Describe the error or the transfer about which

22

you are unsure, and explain as clearly as you can
why you believe it is an error or why you need more
information
•   Tell us the dollar amount of the suspected error

If you tell us verbally, we require that you also send us your
complaint or question in writing within ten (10) business days.
We will tell you the results of our investigation within ten (10)
business days after we hear from you, and we will correct any
error promptly. If we need more time, however, we may take
up to forty-five (45) days to investigate your complaint or
question for ATM transactions made within the United States
and up to ninety (90) days for new accounts, foreign initiated
transactions and Point-of-Sale transactions. If we decide to
do this, we will recredit your account within ten (10) business
days for the amount you think is in error, minus a maximum
of $50.00, so that you will have the use of the money during
the time it takes us to complete our investigation. For new
accounts, we may take up to twenty (20) business days to
recredit your account for the amount you think is in error, minus
a maximum of $50.00. If we do not receive your complaint or
question in writing within ten (10) business days, we may not
recredit your account. If we decide that there was no error, we
will send you a written explanation within three (3) business
days after we finish our investigation. You may ask for copies
of the documents that we used in our investigation.

10. CONFIDENTIALITY. Subject to applicable law, we will disclose
information to third parties about you and your accounts or the
transfers you make: (i) where it is necessary for completing
transfers; (ii) in order to verify the existence and condition
of your account for a third party, such as a credit bureau or
Merchant; (iii) in order to comply with government agency or
court orders; (iv) as otherwise required or permitted by law or
government regulation; (v) if you give us permission; and (vi)
as stated in the BB&T Corporation Consumer Privacy Notice.
11. NOTICE OF SAFETY PRECAUTIONS. You should employ the

following basic safety precautions while using an automated
teller machine (“ATM”) during hours of darkness: (i) be aware
of your surroundings when using an ATM, particularly during
the hours of darkness; (ii) be accompanied by another person
when using an ATM during the hours of darkness; (iii) refrain
from displaying cash and your PIN, place cash in a pocket as
soon as a transaction is completed, and count cash in the
safety of a locked enclosure such as a car or home; (iv) use
another ATM or return at a later time if anything suspicious
is noticed; (v) cancel a transaction, place your Access Device
in a pocket, and leave if you notice anything suspicious
when using an ATM; (vi) immediately report all crimes to the
operator of the ATM and to local law enforcement officials; and
(vii) create a PIN that is difficult to guess by others, memorize
it, and do not carry your PIN with your card.
*MasterCard and Visa Credit Cards are issued by Branch
Banking and Trust Company, Member FDIC.

Rev. 10/17

I107471 - Standard Visa/MC