MASTERCARD®/VISA®

CONSUMER CARDHOLDER AGREEMENTAND

TRUTH IN LENDING DISCLOSURES

ELECTRONIC FUND TRANSFERAGREEMENT AND DISCLOSURES

Important: Please read this folderand retain it for your records.

TABLE OF CONTENTS

MASTERCARD/VISA CONSUMER CARDHOLDERAGREEMENT AND TRUTH-IN-LENDINGDISCLOSURES....................................................3

TERMS USED IN AGREEMENT......................3

AGREEMENT BETWEEN BANK ANDCARDHOLDER.............................................3

ARBITRATION AGREEMENT..........................9

TRUTH IN LENDING DISCLOSURES ANDCOMPUTATION OF ANNUAL PERCENTAGERATES/FEES.....................................................11

YOUR BILLING RIGHTS..............................15

ELECTRONIC FUND DISCLOSURE ........................17

REGULATION E DISCLOSURES...................20

MASTERCARD/VISA CONSUMERCARDHOLDER AGREEMENT

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MASTERCARD/VISA CONSUMER CARDHOLDERAGREEMENT 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 Bankingand Trust Company (“Bank”). This Agreement also governsthe issuance and use of “Convenience Checks” (“ConvenienceChecks”), Balance Transfers, and the use of your CardholderAccount to provide Overdraft Protection.

TERMS USED IN AGREEMENTThe following words have the following meanings in thisAgreement: (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 creditaccount or accounts established by Bank for Cardholder forall transactions under this Agreement as a result of issuanceof either a MasterCard Card or Visa Card; (c) “Cash Advance”means a loan that Cardholder obtains from Bank using any ofthe methods specified in this Agreement; (d) “Purchase” meansa purchase of goods sold or services of any kind from a selleror provider of goods or services; (e) “Maximum Credit Limit”means the total dollar amount Bank approves against which theCardholder may make Purchases through the use of Cards; (f)“Cash Advance Limit” means that portion of the Maximum CreditLimit against which the Cardholder may get Cash Advancesthrough 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 forqualified checking account clients of Bank’s affiliated financialinstitutions, which protects your designated checking accountsfrom overdrafts and rejected items by making automatic CashAdvances from your Cardholder Account.

AGREEMENT BETWEEN BANK AND CARDHOLDERCardholder agrees to be bound by the following terms,conditions, and disclosures, which shall constitute theAgreement between Bank and Cardholder. Furthermore,by accepting and using the Card or a ConvenienceCheck, Cardholder expressly agrees to be bound by theprovisions of this Agreement and to the rates and chargesapplicable to use of the Card and the Convenience Checks.Cardholder acknowledges this Account is to be usedprimarily for personal, family, or household use.

1. Bank may refuse to issue the Card, or may revoke the Cardissued to Cardholder, with or without cause or notice. Anyrevoked Card, along with any Convenience Checks, mustbe surrendered upon demand or upon knowledge of itsrevocation, to Bank or its agent designated to repossess theCard. No expired or revoked Card or Convenience Checksshall 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 theMasterCard and/or Visa signs. A business displaying any ofthe above signs shall be hereinafter referred to as Merchant.Cardholder may also use the Card to borrow cash from anybank displaying the appropriate sign. The Card must be signedto insure proper use. The Card is not valid unless signed by theCardholder. Cardholder must follow any reasonable and properprocedures required by a bank or Merchant honoring the Card.

3. Cardholder may utilize Convenience Checks as he wouldchecks written on a regular checking account. Bank will honora properly signed Convenience Check, which shall be deemedto be signed written authorization for a Cash Advance. AnyConvenience Checks delivered to Cardholder will be similarto regular checking account checks. The only party authorizedto sign a Convenience Check shall be the Cardholderregardless of whether other individuals are authorized toreceive extensions of credit under this Agreement. Otherthan Convenience Checks and personal checks drawn ona checking account for which Cardholder has obtainedOverdraft Protection, no other checks may be used to obtainCash Advances, and when paid by Bank they will constitute aCash Advance which will be debited to Cardholder’s account.Bank shall not be obligated to certify any Convenience Checkissued under this Agreement. Convenience Checks may onlybe written in U.S. Dollars. Also, Bank shall not be obligatedto pay a Convenience Check if such payment will overextendCardholder’s credit limit or if Cardholder’s account is not ingood standing. A Convenience Check cannot be used to makea payment on your Cardholder Account.

4. Cardholders who are also qualifying checking account clientsmay elect to utilize their Cardholder Account to provideOverdraft Protection for one or more qualifying checkingaccounts. If you have elected to use your Cardholder Accountto provide Overdraft Protection, automatic Cash Advances willbe made against the Credit Card Account to cover overdraftsin designated checking accounts. The presentation of anycheck signed by any person authorized to draw checks uponany checking accounts for which you have elected OverdraftProtection or the assessment of any other charges against thechecking accounts in excess of the balance in the checkingaccounts constitutes an authorization for a Cash Advance tobe made under this Agreement. We have the sole discretion todetermine whether to advance funds to the checking accountsin the amount needed to cover each overdraft amount item, upto the established Cash Advance Limit, to pay checks, drafts,or any other charges when there is not a sufficient balancein the checking accounts at the time such checks, drafts,or other charges are presented or made. Bank may refuseto authorize any Cash Advance in connection with OverdraftProtection if the Cardholder Account is not in good standingor if the Cash Advance would exceed the Cash Advance Limit.Bank is not liable for any returned items or NSF fees. Theterms 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 theBank Services Agreement and the Financial Services PricingGuide which are incorporated herein by reference.

5. Cardholder shall not use the Card, Convenience Checks orOverdraft Protection if such use would make Cardholder’sdebt to Bank greater than the credit limit set by Bank fromtime to time.

6. Upon request, Cardholder may transfer outstandingbalances from other credit cards to the Card (“BalanceTransfer”). Cardholder has 10 days from the date theAccount was opened to call Bank at 1-800-476-4228 tocancel any Balance Transfers. Balance Transfer processingtime may vary so please continue to pay the minimumamount due until the Balance Transfer amount appears onthe billing statement from your other creditor(s). All BalanceTransfers will be posted to the Cardholder’s Account as aPurchase, with the Balance Transfers considered a part ofthe outstanding balance from the date of the transfer. Bankmay charge a Balance Transfer Fee. Please see the AccountOpening Disclosure for any applicable Balance Transfer Fee.

7. The Bank at its discretion may from time to time increasethe credit limit of the cardholder.

8. The Bank may at anytime decrease the credit limit of thecardholder if the Bank deems repayment of the debt to be atrisk 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 obtainextensions of credit. The amount of the annual fee will beas specified from time to time by notice or disclosure givenby Bank to Cardholder.

10. Cardholder shall be responsible for the annual fee andall credit obtained (through Purchases, Cash Advances, orotherwise) by the authorized use of Card or ConvenienceChecks, by any person. Further information regardingthe annual fee may be found in the Account OpeningDisclosure included with this mailing.

11. The following transactions are considered Cash Advances:requesting cash in person at any bank; making a credittransaction at participating ATM network machines; makinga credit transaction through on-line banking; funding a wiretransfer; purchasing of money orders, travelers checks, lotterytickets, or betting or casino chips; writing a ConvenienceCheck; making a credit transaction by using BB&T Phone24;or utilizing Overdraft Protection. A Cash Advance fee willnot be charged on Cash Advances made in connection withOverdraft Protection. Fees may apply for other types of cashadvances as listed in paragraph 8(d) of the Truth in LendingDisclosures. At the time of obtaining each Cash Advance(other than at an ATM machine) or at the time of making eachpurchase or credit transaction, Cardholder or his authorizeduser, shall sign a Cash Advance slip or sales slip, as the casemay be, evidencing the transaction. The word “slip” shallinclude a draft or any other instrument acknowledging or

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recognizing the transaction. Cardholder shall be furnishedone copy of each slip signed by the Cardholder; provided,however, that no such copy will be furnished if Cardholderwrites a Convenience Check, writes a personal check(s)triggering Overdraft Protection or makes or receives a credittransaction at an ATM machine or through on-line banking orPhone24. Total Cash Advance limits and daily Cash limits willbe 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 ofsuch loss or theft by calling 1-800-476-4228. Cardholdershall cooperate completely with Bank in its attemptsto recover any losses suffered by Bank resulting fromunauthorized users and shall assist in the prosecution ofsuch persons. Further information regarding the proceduresfor lost or stolen Cards or Convenience Checks is availablein paragraph 11 of the Truth in Lending Disclosures andparagraphs 1-2 of the Regulation E Disclosures.

13. Bank shall have no liability or responsibility whatsoeverresulting from the refusal of any Merchant or any bank tohonor the Card or Convenience Checks, and Bank shall notbe, or be deemed to be, a party to any purchase or othertransaction between Cardholder (or other user of Card) and anyMerchant even though Bank may become obligated to makedisbursements directly to such Merchant. No cash refunds willbe made to, or accepted by, a Cardholder with respect to anyadjustments for, or returns of, goods or services purchased. Anyadjustment, return or refund in connection therewith shall beaccomplished only by credit to the Cardholder’s account withBank 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 policywhen you use your Account to purchase goods or servicesfrom that Merchant. Similarly, if you use your Account tomake travel or lodging reservations, you will be bound bythat Merchant’s cancellation policy.

15. If you authorize a Merchant to charge your Account forrecurring transactions without your card being present,you agree to notify the Merchant when you discontinue thetransaction or if your Account is closed or a new Accountnumber is issued by us.

16. This Account may be used for legal purposes only. TheBank at its discretion may block any transactions thatcould be considered of an illegal or at-risk nature. We willnot 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 immediatelynotify Bank of any charge or item, which Cardholder believesto be in error, or subject to dispute. Any charge or item as towhich Bank is not notified within sixty (60) days after billingdate shall be conclusively deemed to be correct.

18. If you disagree with a transaction on your statement or have6

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 haveunless we are prohibited by applicable law from holding youliable for our loss. Transactions made with the proceeds of aCash Advance are not covered by this paragraph.

19. Notwithstanding anything herein to the contrary, Bank maydeclare you to be in default if one or more of the followingevents occur: (a) default by Cardholder in making anypayment when due and payable, (b) default by Cardholderunder any provision of this Agreement, or any other agreementBorrower may have with Bankcard or any of its affiliatedbanks (c) Cardholder’s death, insolvency or making anassignment for the benefit of creditors, (d) a petition beingfiled or any other proceeding being commenced under theFederal Bankruptcy Code or any state insolvency statute by oragainst Cardholder, or (e) a receiver being appointed for, or awrit or order of attachment, levy or garnishment being issuedagainst Cardholder or any of Cardholder’s property, assets orincome, (f) or in the event Bank shall deem itself or the debtunsafe or insecure or deems that the prospect of paymentor performance by customer is impaired, (g) or if any of theundersigned or any Obligor shall fail to furnish informationto Bank sufficient to verify the identity of the undersignedor any Obligor as required under the USA PATRIOT Act then,at Bank’s option, all amounts from Cardholder to Bank shallbecome immediately due and payable and in any such eventCardholder agrees to pay all costs of collection permitted byapplicable law, including reasonable attorneys’ fees, incurredby Bank in connection therewith.

20. If Cardholder chooses to pay less than the total NewBalance as shown on Cardholder’s monthly periodicstatement, a total minimum payment is required for eachbilling cycle. The total minimum payment is calculated asbeing (1) 3% of your total New Balance, but not less than$25.00; or (2) 3% of your total New Balance plus the totalamount over the credit limit including any past due amount.

21. Cardholder agrees to make at least the minimum periodicpayment no later than the due date as indicated on themonthly periodic statement provided by Bank. Bank maywithhold availability of credit until the payment of theitem presented has been collected. If Cardholder is latemaking the payment, Bank may, at its option, charge thelate payment fees as disclosed in paragraph 8 (b) of theTruth in Lending Disclosures, in addition to the InterestCardholder 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, ordesired to be given by Bank, shall be deemed given if and whendelivered electronically through BB&T OnLine® or posted in theUnited States mail, postage prepaid, addressed to Cardholderat his last known address as shown on Bank’s records.

24. Foreign Transactions and Fees: Visa or MasterCard7

International will convert to U.S. dollars any charge or creditmade to your Account in currency other than U.S. dollars. Theconversion rate will be determined under Visa or MasterCardregulations. The conversion rate may differ from the rate onthe date of your transaction. Currently, Visa and MasterCarduse a currency conversion rate of either: (1) a wholesalemarket rate, or (2) a government-mandated rate. Visa andMasterCard use, under their respective regulations, eitherthe rate in effect on (1) the date the transaction is processedor (2) the day before the date the transaction is processed.Bank may charge a foreign transaction fee for transactionsmade or processed outside the U.S. as listed in paragraph8(e) of the Truth in Lending Disclosures.

25. Change In Terms: Bank may change the terms of thisAgreement at any time. The new terms will apply to bothnew Purchases and Cash Advances and any unpaidbalance and accrued INTEREST at the time the change iseffective. We will provide you with notice of the change tothe extent required by law.

26. Disputed Accounts: Bank will not be obligated to acceptany check, money order or other payment instrumentmarked “payment in full” delivered on any disputedaccount, loan balance, fee or expense owed, and Bankexpressly reserves the right to reject all such paymentinstruments. All communications concerning any disputedamounts owed, including without limitation any paymentinstrument tendered in good faith as full satisfaction ofamount owed, must be sent to the following address:

Disputed Accounts Bankcard Disputed PaymentsP.O. Box 200

Wilson, NC 27894-0200If Cardholder fails to send any communication, check,money order or other payment instrument purporting to payany disputed amount due hereunder in full, to the addressdesignated above, the obligation referred to will not besatisfied, and shall be deemed not to have been in goodfaith, even if such payment instrument is inadvertentlyprocessed by Bank.

27. Accuracy of Credit Information: Bank regularly and inthe normal course of business reports its credit experiencewith its customers to the major credit bureau repositories.Should you believe that information we have reportedabout the credit history of your Account(s) is inaccurate,please notify us at the following address: BB&T LoanServices, P.O. Box 2306, Wilson, North Carolina 27894-2306. Please include your name, address, Social Securitynumber, account number and a specific explanation ofwhat information you believe to be inaccurate.

28. Notice of Furnishing Negative Information: We mayreport information about your account to credit bureaus.Late payments, missed payments, or other defaults on youraccount 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, eachapplicant shall have the right to use this account to theextent of any credit limit set by the creditor and eachapplicant may be liable for all amounts of credit extendedunder this account to each joint applicant.New York and Vermont Residents: We may obtain at any timeyour credit reports for any legitimate purpose associatedwith the account or the application or request for an account,including but not limited to reviewing, modifying, renewingand collecting on your account. On your request, you will beinformed if such a report was ordered. If so, you will be giventhe name and address of the consumer reporting agencyfurnishing the report. New York residents may contact thestate banking department to obtain a comparative listingof credit card rates, fees and grace periods. New York StateBanking Department: 1-800-518-8866.Ohio Residents: The Ohio laws against discriminationrequire that all creditors make credit equally availableto all creditworthy customers and that credit reportingagencies maintain separate credit histories on eachindividual upon request. The Ohio Civil Rights Commissionadministers compliance with this law.Utah Residents: As required by Utah law, you are herebynotified that a negative credit report reflecting on yourcredit record may be submitted to a credit reporting agencyif you fail to fulfill the terms of your credit obligation.Married Wisconsin Residents: No provision of anymarital property agreement, unilateral statement, orcourt order applying to marital property will adverselyaffect a creditor’s interests unless prior to the timecredit is granted, the creditor is furnished with a copy ofthe agreement, statement or court order, or has actualknowledge of the provision.

30. Governing Law: This Agreement and my Account shallbe governed by the laws of the United States and, to theextent applicable, the laws of the State of North Carolina,regardless of where Cardholder resides or uses the Account.

ARBITRATION AGREEMENTThe following arbitration agreement does not apply to you ifyou were a member of the active military, or were a spouse ordependent of a member of the active military, at the time youapplied to establish your account and your account is subjectto the provisions of the Military Lending Act, 10 U.S.C. § 987and its implementing regulations, 32 C.F.R. § 232.1, et seq.

31. IT IS IMPORTANT THAT YOU READ THIS ARBITRATIONPROVISION CAREFULLY. IT PROVIDES THAT YOU MAY BEREQUIRED TO SETTLE A CLAIM OR DISPUTE THROUGHARBITRATION, EVEN IF YOU PREFER TO LITIGATE SUCHCLAIMS IN COURT. YOU ARE WAIVING RIGHTS YOU MAY HAVETO LITIGATE THE CLAIMS IN A COURT OR BEFORE A JURY.YOU ARE WAIVING YOUR RIGHT TO PARTICIPATE IN A CLASSACTION 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, thatis filed in any court and that arises out of or relates tothis Agreement or Cardholder’s application for a Card, orthe breach, termination, enforcement, interpretation orvalidity thereof, including the determination of the scopeor applicability of this agreement to arbitrate, shall bedetermined by arbitration before one arbitrator at a locationmutually agreed upon in the state where your account ismaintained, or as may be otherwise required under theJAMS Minimum Consumer Standards, which is incorporatedby reference herein. The arbitration shall be administeredby JAMS pursuant to its Streamlined Arbitration Rules& Procedures. Judgment on an award may be enteredin any court having jurisdiction. This clause shall notpreclude a party from seeking provisional remedies inaid of arbitration from a court of appropriate jurisdiction.The arbitrator may, in its award, allocate all or part of thecosts of the arbitration, including the fees of the arbitratorand the reasonable attorneys’ fees of the prevailing party.Notwithstanding other language in this agreement, a partyretains the right to bring an action in small claims court ifit is within the jurisdictional limits of that court. If a partyelects arbitration, it may be conducted as an individualaction only. This means that even if a demand for a classaction lawsuit, class arbitration, or other representativeaction (including a private attorney general action) is filed,the matter will be subject to individual arbitration. Eitherparty may bring a summary or expedited motion to compelarbitration or to stay the applicable litigation of a disputein any court. Such motion may be brought at any time, andthe failure to initiate or request arbitration at the beginningof litigation shall not be construed as a waiver of the rightto arbitration. If a party elects to arbitrate it shall providenotice to the other party. The Bank shall provide noticeto you at the address we have in our records, and youmay provide notice to: Litigation Practice Group Manager,BB&T Legal Department, P.O. Box 1255, Winston-Salem, NC27102. You may obtain a copy of the rules of the arbitrationadministrator, including information about consumerarbitration, fees, and instructions for initiating arbitration bycontacting 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 transactionsinvolving interstate commerce which shall be governedby the provisions of the Federal Arbitration Act, Title 9of the United States Code (“FAA”) and not by any statelaw concerning arbitration. The arbitrator shall followapplicable substantive law to the extent consistent withthe FAA, applicable statutes of limitation and applicableprivilege rules, and shall be authorized to award allavailable 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’ feesand costs. The arbitrator shall follow rules of procedure andevidence consistent with the FAA, this provision, and theadministrator’s rules.

Any court with jurisdiction may enter judgment upon thearbitrator’s award. The arbitrator’s award will be final andbinding, except for any appeal right under the FAA. Unlessapplicable law provides otherwise, the appealing party willpay the cost of appeal, regardless of its outcome. However,we will consider in good faith any reasonable writtenrequest for us to bear the cost of your appeal. We will payany fees or expenses we are required by law to pay or inorder to make this arbitration provision enforceable.

This arbitration provision shall survive termination orsuspension of the Account or this Agreement, and shallsurvive payment of Cardholder’s obligations under thisAgreement or termination of any or all Cards. If anyportion of this arbitration provision is deemed invalidor unenforceable, it shall not invalidate the remainingportions of this arbitration provision or Agreement; provided,however, if the limitations on class actions are struck ina proceeding brought on a class, representative or privateattorney general basis, without impairing the right toappeal such decision, this entire arbitration provision (otherthan this proviso) shall be null and void in such proceeding.

TRUTH IN LENDING DISCLOSURESAND COMPUTATION OF ANNUAL

PERCENTAGE RATES/FEESBranch Banking and Trust Company (hereinafter “we,”“our,” and “us”) makes the following Truth in LendingDisclosures to Cardholder (hereinafter “you,” “your”).You agree that the rate and charges and methods ofcomputation and repayment in connection with use of theCard are as follows:

1. Computation of INTEREST on Purchases (Daily):(a) No INTEREST is imposed on Purchases if the total NewBalance as shown on your monthly periodic statementis paid in full within 25 days of the statement date.INTEREST is imposed on Balance Transfers from the dateof the transfer.(b) Where payment of the total New Balance is not madein full within 25 days (or when the New Balance includesBalance Transfers), INTEREST will be imposed on yourPurchase balance. We calculate INTEREST on this portionof your Account by applying the daily periodic rate tothe beginning daily balance for Purchases plus any newPurchases and fees (other than Cash Advance fees) andless any payments or credits. To compute the daily balancefor Purchases we take the beginning Purchase balance ofyour account each day, add any new Purchases, fees (other

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than Cash Advance fees) and any INTEREST on the currentday’s balance, and we subtract any payments or credits.This gives us the daily balance. A Purchase appearing onyour statement is considered a part of the outstandingbalance from the date of the transaction or, if postingoccurs in the next billing cycle, then from the first day ofthe next billing cycle.(c) See the Account Opening Disclosure included withthis mailing for the ANNUAL PERCENTAGE RATE. The dailyperiodic 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 theCash Advance.(b) The amount, which will be subject to INTEREST, is thedaily balance of your Cash Advances during the billingcycle. We calculate the INTEREST on this portion of yourAccount by applying the daily periodic rate to the beginningdaily balance for Cash Advances plus any new CashAdvances and Cash Advance fees and less any payments orcredits. To compute the daily balance for Cash Advances wetake the beginning Cash Advance balance of your accounteach day, add any new Cash Advances, any Cash Advancefees and any INTEREST on the current day’s balance, andwe subtract any payments or credits. This gives us the dailybalance. A Cash Advance appearing on your statement isconsidered a part of the outstanding balance from the dateof the transaction or, if posting occurs in the next billingcycle, then from the first day of the next billing cycle.(c) See the Account Opening Disclosure included withthis mailing for the ANNUAL PERCENTAGE RATE. The dailyperiodic 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 fromtime to time, we will separately identify them on yourmonthly statement and separately disclose on your monthlystatement the balance to which the special offers apply.These separate balances and the related periodic INTERESTwill be calculated in the same manner as described abovefor the current or previous cycle transactions, as applicable.(b) Special rate offers may apply to special conveniencechecks. If so, special convenience checks will be issuedand, 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 annualpercentage rates under 1 (c) and/or 2(c) will apply.(d) If applicable, see the Account Opening Disclosureincluded with this mailing and incorporated by referencefor the special introductory ANNUAL PERCENTAGE RATE.The special introductory daily periodic rate is the specialannual percentage rate divided by 365.

4. Computation of INTEREST on Purchases (Monthly):(a) No INTEREST is imposed on Purchases if the total NewBalance as shown on your monthly periodic statement is paidin 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 madein full within 25 days (or includes Balance Transfers),INTEREST will be imposed on your Purchase balance. Wecalculate INTEREST on this portion of your Account byapplying the monthly periodic rate to the Average DailyPurchase Balance. To determine the Average Daily PurchaseBalance of any account, we will take the beginningPurchase balance of the account each day, add any newPurchases (including Balance Transfers) and Fees (exceptCash Advance fees), and subtract any payment or credits.This produces the daily Purchase balance. Then, we add upthe daily Purchase balances for each day in the billing cycleand divide the total by the number of days in the billingcycle. This produces the Average Daily Purchase Balance.A Purchase appearing on your statement is considereda part of the outstanding balance from the date of thetransaction 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 thismailing for the ANNUAL PERCENTAGE RATE. The monthlyperiodic 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 theCash Advance.(b) The amount, which will be subject to INTEREST, is the CashAdvance Balance. We calculate INTEREST on this portion ofyour Account by applying the monthly periodic rate to AverageMonthly Cash Advance Balance. To determine the AverageDaily Cash Advance Balance of any account (including currenttransactions), we will take the beginning Cash AdvanceBalances of the account each day, add new Cash Advancesand Cash Advance fees and subtract any payments or credits.This produces the daily Cash Advances balance. Then, we addup the daily balances for each day in the billing cycle anddivide the total by the number of days in the billing cycle. Thisproduces the Average Daily Cash Advance balance. A CashAdvance appearing on your statement is considered a part ofthe outstanding balance from the date of the transaction or, ifposting occurs in the next billing cycle, then from the first dayof the next billing cycle.(c) See the Account Opening Disclosure included with thismailing for the ANNUAL PERCENTAGE RATE. The monthlyperiodic 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 fromtime to time, we will separately identify them on yourmonthly statement and separately disclose on your monthlystatement the balance to which the special offers apply.These separate balances and the related periodic INTERESTwill be calculated in the same manner as described abovefor the current or previous cycle transactions, as applicable.(b) Special rate offers may apply to special conveniencechecks. If so, special convenience checks will be issued

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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 annualpercentage rates under 1 (c) and/or 2(c) will apply.(d) If applicable, see the Account Opening Disclosureincluded with this mailing and incorporated by referencefor the special introductory ANNUAL PERCENTAGE RATE.The special introductory monthly periodic rate is 1/12 ofthe special annual percentage rate.

7. Minimum INTEREST: See the Account Opening Disclosureincluded with this mailing and incorporated by referencefor the minimum INTEREST charge.

8. Fees and Charges: These fees will be subject to the applicableINTEREST as provided in paragraphs 1 and 2 above.(a) Annual Fee: See the Account Opening Disclosureincluded with this mailing and incorporated by referencefor the annual fee.(b) Late Payment Fee: See the Account Opening Disclosureincluded with this mailing and incorporated by reference forthe late fee.(c) Balance Transfer Fee: See the Account OpeningDisclosure included with this mailing and incorporated byreference for the balance transfer fee.(d) Cash Advance Fee: See the Account Opening Disclosureincluded with this mailing and incorporated by referencefor the cash advance fee.(e) Foreign Transaction Fee: See the Account OpeningDisclosure included with this mailing and incorporated byreference for foreign transaction fee.(f) Return Payment Fee: See the Account OpeningDisclosure included with this mailing and incorporated byreference for return payment fee.(g) Statement Copy Fee: See the Account OpeningDisclosure included with this mailing and incorporated byreference for statement copy fee.(h) Customer Requested Expedited Service Fee: See the AccountOpening Disclosure included with this mailing and incorporatedby reference for customer requested expedited service fee.

9. We retain no security interest in any property purchasedwith your Card.

10. You will not be liable for any unauthorized use of your Card orConvenience Checks if you report the loss, theft or unauthorizeduse. Written notice should be provided to Branch Banking andTrust 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 initiatedby someone other than the Cardholder without the Cardholder’sactual, implied, or apparent authority, and the Cardholderreceives no benefit from the transaction. We may conduct aninvestigation of your claim, and we may deny your claim ifwe reasonably conclude that the facts and circumstances donot reasonably support a claim of unauthorized use. We mayrequire you to provide a written statement, affidavit or otherinformation in support of your claim of unauthorized use. If

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you do not provide supporting information within the timerequested or within a reasonable period of time if a date is notstated, we may deny your claim of unauthorized.

YOUR BILLING RIGHTSKEEP THIS NOTICE FOR FUTURE USE

This notice contains important information regarding yourrights and our responsibilities under the Fair Credit Billing Act.What To Do If You Think You Find a Mistake On YourStatement

If you think there is an error on your statement, write to us at:Customer ServicePO Box 30495Tampa FL 33630-3495In your letter, give us the following information:

• Account information: Your name and accountnumber;

• 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 andwhy you believe it is a mistake.

You must contact us within 60 days after the errorappeared 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 toinvestigate any potential errors and you may have to paythe amount in question.

While we investigate whether or not there has been anerror, the following are true:

• We cannot try to collect the amount in question, orreport you as delinquent on that amount.

• The charge in question may remain on your statement,and we may continue to charge you interest on thatamount. If we determine that we made a mistake, youwill not have to pay the amount in question or anyinterest or other fees related to that amount.

• While you do not have to pay the amount inquestion, you are responsible for the remainder ofyour balance.

• We can apply any unpaid amount against your creditlimit.

Your Rights and Our Responsibilities After We ReceiveYour Written NoticeWe must acknowledge your letter within 30 days, unlesswe have corrected the error by then. Within 90 days, wemust either correct the error or explain why we believe thestatement was correct.After we receive your letter, we cannot try to collect anyamount you question or report you as delinquent. We can

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continue to bill you for the amount you question, includinginterest, and we can apply any unpaid amount against yourcredit limit. You do not have to pay any questioned amountwhile we are investigating, but you are still obligated to paythe parts of your statement that are not in question.If we find that we made a mistake on your statement, youwill not have to pay any interest related to any questionedamount. If we did not make a mistake, you may have to payinterest, and you will have to make up any missed paymentson the questioned amount. In either case, we will send you astatement of the amount you owe and the date that it is due.If you fail to pay the amount that we think you owe, wemay report you as delinquent. However, if our explanationdoes not satisfy you and you write to us within ten daystelling us that you still refuse to pay, we must tell anyonewe report you to that you have a question about yourstatement. And, we must tell you the name of anyone wereported you to. We must tell anyone we report you to thatthe matter has been settled between us when it finally is.If we do not follow these rules, we cannot collect the first $50of the questioned amount, even if your statement was correct.Your Rights If You Are Dissatisfied With Your Credit CardPurchases

If you are dissatisfied with the goods or services that youhave purchased with your credit card and you have tried ingood faith to correct the problem with the merchant, youmay have the right not to pay the remaining amount due onthe purchase.

To use this right, all of the following must be true:

1. The purchase must have been made in your home stateor within 100 miles of your current mailing address, andthe purchase price must have been no more than $50.(Note: Neither of these is necessary if your purchase wasbased on an advertisement we mailed to you, or if weown 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 orwith a check that accesses your credit card account donot qualify.

3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are stilldissatisfied with the purchase, contact us in writing at:

Customer ServicePO Box 30495Tampa FL 33630-3495

While we investigate, the same rules apply to thedisputed amount as discussed above. After we finish our

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investigation, we will tell you our decision. At that point,if we think you owe an amount and you do not pay, we mayreport you as delinquent.

IF YOU HAVE CHOSEN TO HAVE YOUR MASTERCARD ORVISA CARD ACCESS AUTOMATED TELLER MACHINES, THEFOLLOWING AGREEMENT AND DISCLOSURES WILL ALSO

APPLY.ELECTRONIC FUND TRANSFER AGREEMENT AND

DISCLOSURESThis Agreement governs the transfer of funds initiatedthrough an electronic terminal, telephone, computer, ormagnetic tape for the purpose of instructing the Bank todebit or credit your consumer account(s). This Agreementalso contains the disclosures required by the federalElectronic Fund Transfer Act and Regulation E of the FederalReserve Board. This information applies only to electronicfund transfers to or from deposit accounts establishedprimarily for personal, family, or household purposes.

1. ELECTRONIC FUND TRANSFERS. Electronic fund transfersinclude, but are not limited to, debit card and ATMtransactions, preauthorized deposits and payments, telephonetransfers; transfers initiated through a personal computer,and transfers initiated by third parties. Examples of transfersinitiated by third parties include, but are not limited to,electronic check conversions and electronic returned checkcharges. An electronic check conversion occurs when youauthorize a third party to debit funds from your account usinginformation from the check you provide to the third party.This may occur at the point of sale or when you send a checkby mail or deliver a check to a third party’s lockbox location.In addition, some third parties may initiate an electronicfund transfer to collect a fee if your check is returned to thethird party for insufficient funds. Your authorization for suchtransfers can occur in a number of ways. In some cases, yourauthorization can occur when the third party posts a sign orotherwise informs you of their policy.

2. ACCESS DEVICES. An Access Device is a card or personalidentification code that provides access to a consumer’sdeposit account, which may be used to initiate electronicfund transfers. Access Devices include, but are not limitedto, your BB&T 24 Automated Teller Machine Card, (ATM Card),BB&T 24 Check Card (Check Card), Personal IdentificationNumber (PIN), and your MasterCard or Visa Credit Card *When used to conduct electronic fund transfers. A check isnot an Access Device; however, an electronic fund transferinitiated by using information obtained from a check isgoverned by this Agreement. You may, verbally or by otherauthorized means, request an Access Device to conductelectronic 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 orwithout cause or notice, unless otherwise required by law.

3. APPLICABLE AGREEMENTS. You agree to conduct all17

electronic fund transfers in accordance with this Agreementand Disclosures, any separate agreement and disclosureprovided in connection with the issuance of any particularAccess Device, and any agreement governing youraccounts. The repayment of any advances on a credit lineinitiated electronically will be governed by the terms andconditions of the applicable agreement governing the creditline. Please refer to the Online Banking Services Agreementfor important additional information concerning electronicfund transfers initiated using a personal computer.

4. VERIFICATION OF TRANSACTION. Transaction recordsissued with respect to an electronic fund transfer will besubject to verification and adjustment in accordance withthe rules and regulations of the Bank and applicable law.Where there is a conflict between a transaction record andthe Bank’s record, the Bank’s record shall control.

5. OVERLINES AND OVERDRAFTS. You agree not to conduct anytransaction(s) to withdraw more than the applicable dailylimit on any day, or cause the balance in your deposit accountto go below zero, or cause the outstanding balance of yourcredit line to go above your credit limit. We may reject anysuch transaction; however, if we pay the overdraft or advancefunds in excess of your credit limit, you agree to pay, uponrequest, the excess amount which was improperly withdrawnor transferred, together with any applicable fees as outlinedin the Financial Services Pricing Guide or in the agreementgoverning your account. Overdrafts on your account mayresult in advances from your overdraft protection plan. Anyitem that cannot be covered by overdraft protection will betreated as a NSF and subject to applicable NSF fees.

6. POINT-OF-SALE TRANSACTIONS. If you use your ATMCard or Check Card to purchase goods and services,including Internet purchases (Point-of-Sale transactions),you authorize us to debit your deposit account, andyou agree that your authorization may result in animmediate withdrawal from the account, even though thetransaction may not actually be posted to that accountuntil a later date. The Merchant may attempt to obtaina preauthorization for the transaction. The availablebalance in your primary deposit account will be reducedby the amount of any transaction for which the Merchantreceives authorization from us, even if the documentationevidencing the transaction has not yet been receivedor processed by us. A “hold” placed on your accountwill be released and your account will be debited whendocumentation matching the authorized transactionamount has cleared through us, or in three (3) businessdays, whichever first occurs. We are not responsible if wedo not authorize electronic fund transfers, or if we dishonorchecks drawn on your checking account while such a holdis placed on your account. No cash refunds will be made toyou by the Bank on ATM Card/Check Card purchases. Anyclaim or dispute regarding goods or services purchasedwith your ATM Card/Check Card must be directed to the

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Merchant or other business establishment at which youmade the purchase. The amount of the credit, if any, willbe reflected on your periodic account statement. You maynot stop payment on ATM Card/Check Card purchases.

7. ZERO LIABILITY POLICY FOR ATM CARD/CHECK CARDPURCHASES. You may have no liability for unauthorizedATM Card or Check Card purchases, subject to thefollowing terms and conditions:(a) Our zero liability policies apply only to unauthorizedpurchases using your ATM Card or Check Card. Any claimsof unauthorized ATM Card/Check Card purchases that donot meet the conditions of this section and any claims ofunauthorized transactions involving other types of electronicfund transfers are governed by the Regulation E Disclosuresbelow, and any separate agreement provided in connectionwith the issuance of the Access Device. If your claimdoes not meet the terms and conditions contained in thissection, the Bank will automatically reexamine your claim inaccordance with the Regulation E Disclosures below.(b) Our zero liability policy may not apply if: (i) we determinethat the unauthorized transaction was a result of grossnegligence or fraud on your part; (ii) you fail to provide uswith a statement or affidavit of your claim within the timerequested; (iii) we determine that the transaction was not“unauthorized” as defined below; or (iv) you fail to reportthe loss, theft, or unauthorized use of your ATM Card, CheckCard, or card number within a reasonable period of time. Areasonable period of time will be determined by Bank in itssole discretion, but in no event will it be shorter than thetime 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 transactionis not considered “unauthorized” if: (i) you furnish thecard, card number, or other identifying information toanother person and give that individual express or impliedauthority to perform one or more transactions and the personthen exceeds that authority, or (ii) for any other reasonBank concludes that the facts and circumstances do notreasonably support a claim of unauthorized use.

8. CANCELLING YOUR ACCESS DEVICE. You may cancel yourAccess Device at any time by notifying us in writing andno longer using it. Canceling your Access Device will notaffect your obligations under this Agreement, even if weallow any transaction to be completed with your AccessDevice after this Agreement has been terminated.

9. MISCELLANEOUS. Unless otherwise required by applicablelaw, we may change the terms of this Agreement fromtime to time by giving you notice of the change. If we mustcollect what you owe us, you will be responsible for ourreasonable expenses of collection, including court costsand attorney’s fees to the extent permitted by law. If morethan one person requests electronic fund transfer services,

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each person will be bound by this Agreement and will beresponsible for paying all amounts owed as a result of thisAgreement. We reserve the right to reject any electronicfund transfer we reasonably believe is made in connectionwith an unlawful transaction or activity, including withoutlimitation, gaming, gambling, lottery, or similar activities.

REGULATION E DISCLOSURES1. 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 fromyour account without your permission. Telephoning us is thebest way of keeping possible losses down. Except in situationsgoverned by the zero liability policy described above, if you tellus within two (2) business days after you learn of the loss ortheft of your Access Device or the unauthorized transaction,you can lose no more than $50 if someone makes electronictransfers without your permission. If you do NOT tell us withintwo (2) business days after you learn of the loss or theft ofyour Access Device or the unauthorized transaction, and wecan prove that we could have stopped someone from makingelectronic transfers without your permission if you had told us,you could lose as much as $500. Also, if your periodic statementshows transfers that you did not make, tell us at once. If you donot tell us within sixty (60) days after the statement was mailedto you, you may not get back any money you lost after sixty (60)days if we can prove that we could have stopped someone fromtaking the money if you had told us in time. If a good reasonkept you from telling us, we will extend the time periods.

2. TELEPHONE NUMBER AND ADDRESS TO BE NOTIFIED INEVENT OF UNAUTHORIZED TRANSFER. If you believe yourAccess Device has been lost or stolen, or your PIN hasbeen obtained by an unauthorized person, or that someonehas transferred or may transfer money from your accountwithout your permission, IMMEDIATELY call:

1-800-682-6921or write

Liability Risk ManagementP. O. Box 996

Wilson, North Carolina 27894-09963. BUSINESS DAYS. For purposes of these disclosures, our

business days are Monday through Friday, except Federalholidays.

4. TYPES OF AVAILABLE TRANSFERS AND LIMITS ONTRANSFERS.(a) Account Access. You may perform the followingtypes of transactions. Some of these services may not beavailable with every Access Device, or at every electronicterminal and may be subject to restrictions contained inthe 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 accounts20

• Make payments on designated lines of credit fromdesignated deposit accounts

• Pay for purchases at Merchants who have agreedto accept the Access Device, or otherwise initiateelectronic fund transfers to pay for purchases

• Electronically pay bills directly from your depositaccount

(b) Limitations on Frequency of Transfers: For savingsaccounts only (including Money Rate Savings andInvestor’s Deposit Account), there is a limit of no morethan six (6) transfers or withdrawals during any statementcycle to or from your deposit accounts, or to a third partyby means of either a preauthorized or automatic transferor by telephonic agreement (which includes BB&T OnLineand BB&T Phone24), and no more than three of the sixtransfers may be made by check, draft, Check Card or ATMCard Point-of-Sale transactions or similar order made byyou and payable to third parties.(c) Limitations on Dollar Amounts of Transfers:

• You may withdraw up to a maximum of $500 (EliteClassic, Classic Banking, Golden Advantage, EliteGold, and SMART Money Manager customers may havehigher daily withdrawal limits as disclosed in theindividual product brochures) each business day fromour ATMs. For security reasons, there may be otherlimits 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 applicableservice fees will apply whether the transfer is initiatedelectronically or by written order. Applicable service fees,and fees for conducting electronic fund transfers areoutlined in the Financial Services Pricing Guide. A fee maybe imposed for a balance inquiry even if you do not completea funds transfer. In addition, you may incur surchargeswhen using an ATM that does not display the BB&T 24 logoand when using a Money 24 ATM. Money 24 ATMs are ownedby Money 24, Inc., a subsidiary of BB&T Corporation.

6. DOCUMENTATION OF TRANSFERS:(a) Electronic Terminal Transfers. You may get a receiptat the time you make a transfer using an ATM terminal orpoint-of-sale terminal.(b) Preauthorized Deposits. If you have arranged to havedirect deposits made to your account at least once everysixty (60) days from the same person or company, you cancall us at 1-800-682-6921, during normal business hours,

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to find out whether or not the deposit has been made.(c) Periodic Statements. You will receive a monthly accountstatement, or less frequently if the account is inactive, thatwill 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 paymentsfrom your account, you can stop any of these payments.Here’s how: Visit a branch to complete a stop paymentform or write to: Electronic Banking Department, P.O. Box996, Wilson, North Carolina 27894-0996 in time for us toreceive your request at least three (3) business days beforethe payment is scheduled to be made. If you call, we mayrequire you to also put your request in writing and get it tous within fourteen (14) days after you call. You should referto the BB&T OnLine Banking Services Agreement for theprocedure to stop an OnLine payment.(b) Notice of Varying Amounts. If these regular paymentsmay vary in amount, the person you are going to pay willtell you ten (10) days before each payment, when it will bemade and how much it will be.(c) Liability for Failure to Stop Payment of PreauthorizedTransfer. If you order us to stop one of these paymentsthree (3) business days or more before the transfer isscheduled, and we do not do so, we will be liable for yourlosses or damages.

8. BANK’S LIABILITY FOR FAILURE TO MAKE TRANSFERS. If wedo not complete a transfer to or from your account on time orin the correct amount according to our agreement with you,we will be liable for your losses or damages. However, thereare some exceptions. We will NOT be liable, for instance: (i)if, through no fault of ours, you do not have enough money inyour account to make the transfer; (ii) if the transfer wouldgo over the credit limit on your credit line; (iii) if the ATMwas not working properly and you knew about the breakdownwhen you started the transfer; (iv) if circumstancesbeyond our control prevent the transfer despite reasonableprecautions we have taken; and (v) if the ATM where you aremaking the transfer, does not have enough cash. There maybe other exceptions stated in other agreements with you.

9. IN CASE OF ERRORS OR QUESTIONS ABOUT YOURELECTRONIC FUND TRANSFERS, TELEPHONE US AT:

1-800-682-6921or write

Liability Risk ManagementP. 0. Box 996

Wilson, North Carolina 27894-0996Tell us as soon as you can, if you think your statement orreceipt is wrong, or if you need more information about atransfer listed on the statement or receipt. We must hearfrom you no later than sixty (60) days after we sent theFIRST 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

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you are unsure, and explain as clearly as you canwhy you believe it is an error or why you need moreinformation• Tell us the dollar amount of the suspected error

If you tell us verbally, we require that you also send us yourcomplaint 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 anyerror promptly. If we need more time, however, we may takeup to forty-five (45) days to investigate your complaint orquestion for ATM transactions made within the United Statesand up to ninety (90) days for new accounts, foreign initiatedtransactions and Point-of-Sale transactions. If we decide todo this, we will recredit your account within ten (10) businessdays for the amount you think is in error, minus a maximumof $50.00, so that you will have the use of the money duringthe time it takes us to complete our investigation. For newaccounts, we may take up to twenty (20) business days torecredit your account for the amount you think is in error, minusa maximum of $50.00. If we do not receive your complaint orquestion in writing within ten (10) business days, we may notrecredit your account. If we decide that there was no error, wewill send you a written explanation within three (3) businessdays after we finish our investigation. You may ask for copiesof the documents that we used in our investigation.

10. CONFIDENTIALITY. Subject to applicable law, we will discloseinformation to third parties about you and your accounts or thetransfers you make: (i) where it is necessary for completingtransfers; (ii) in order to verify the existence and conditionof your account for a third party, such as a credit bureau orMerchant; (iii) in order to comply with government agency orcourt orders; (iv) as otherwise required or permitted by law orgovernment 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 thefollowing basic safety precautions while using an automatedteller machine (“ATM”) during hours of darkness: (i) be awareof your surroundings when using an ATM, particularly duringthe hours of darkness; (ii) be accompanied by another personwhen using an ATM during the hours of darkness; (iii) refrainfrom displaying cash and your PIN, place cash in a pocket assoon as a transaction is completed, and count cash in thesafety of a locked enclosure such as a car or home; (iv) useanother ATM or return at a later time if anything suspiciousis noticed; (v) cancel a transaction, place your Access Devicein a pocket, and leave if you notice anything suspiciouswhen using an ATM; (vi) immediately report all crimes to theoperator of the ATM and to local law enforcement officials; and(vii) create a PIN that is difficult to guess by others, memorizeit, and do not carry your PIN with your card.

*MasterCard and Visa Credit Cards are issued by BranchBanking and Trust Company, Member FDIC.

Rev. 10/17 I107471 - Standard Visa/MC