INTEREST RATE AND INTEREST CHARGES

Annual Percentage Rate(APR) for
Purchases

APR for Balance Transfers

APR for Cash Advances

Paying Interest

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

Annual Fees
Transaction Fees
• Purchases
• Balance Transfers
• Cash Advances
• Foreign Transactions

Penalty Fees
• Late Payment
• Over-the-Credit 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*
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*
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 Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore

FEES

None

None
3% of each advance ($10 minimum)
3% of each advance ($10 minimum)
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

How will we 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.
Other: *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.

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 09/30/13; 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