BB&T Complete Client Protection

Personal Services Pricing Guide

Bank Services Agreement

Branch Banking and Trust Company, Member FDIC

Offer good through December 31, 2012.

¹For all health discount benefits, the Optum HealthAllies discount plan is administered by HealthAllies®, Inc., a discount medical plan organization. For a complete list of providers in your area, visit www.provider.optumhealthallies.com. The Optum HealthAllies discount plan is NOT insurance. The discount plan provides discounts at certain health care providers for medical services. The discount plan does not make payments directly to the providers of medical services. The discount plan member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount plan organization. HealthAllies, Inc. is located at P.O. Box 10340, Glendale, CA 91209, 1-800-251-0003, www.provider.optumhealthallies.com, ohacustomercare@optumhealth.com. The program and its administrators have no liability for providing or guaranteeing service or the quality of service rendered. MA residents: The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under M.G.L. c.111M and 956 CMR 5.00. The range of discounts for specified medical, pharmacy or ancillary services provided under the plan will vary depending upon the type of provider and the type of services received. The Vision Plan benefit is not available to residents of Florida, Iowa, Nevada, Rhode Island, and Washington.

²Accounts are subject to credit approval. Checking accounts have monthly maintenance fees that can be avoided with qualifiers.
Learn more about our checking accounts.

Accidental Death & Dismemberment Insurance, Common Carrier Insurance, Dependent Child Coverage, and Dependent Grandchild Coverage — not available to Maryland residents.

Special Program Notes: Accidental Death Insurance is administered by Affinion Benefits Group and underwritten by Hartford Life Insurance Company. A portion of the monthly membership dues, if applicable, will be used to pay the insurance premium to the plan administrator. As a member, you'll automatically receive new benefits as they are added to your program. Coverage is divided equally among co-owners of joint accounts. If more than one benefit is payable, only one, the largest will be paid in lieu of all coverage available. The 24-hour Accidental Death and Dismemberment Insurance benefit reduces by half at age 70. The Dismemberment Coverage is paid as a percentage of the 24-hour coverage. Identity Theft Insurance is offered through the insurance company named on the Benefit Summary included in the membership kit. Please refer to the Summary for complete details of coverage, limitations and exclusions. Identity Theft coverage not available for residents of New York and could become unavailable in other jurisdictions.

IMPORTANT NOTICE: YOUR LIABILITY FOR FRAUDULENT CHARGES UNDER FEDERAL LAW:

For credit cards: If the card issuer has notified you of your maximum potential liability, has provided a means for you to notify the card issuer of credit card loss or theft, and if the credit card contains a way of identifying the cardholder or authorized user, then your liability for fraudulent charges made to your account before the card issuer is notified is up to $50 for each card.

For debit and cash-machine cards: Your liability for fraudulent use of your cards is up to $50 if you notify the card issuer of the loss or theft of the card within two business days after learning of the loss or theft of the card. After that, your liability is up to $500 for each card. Or, if you do not notify the card issuer within 60 days of receipt of a monthly statement showing unauthorized transfers, then your liability for each card is up to the total amount of unauthorized transfers that occurred after the 60-day period and before notice, provided that the card issuer establishes that the unauthorized transfers would not have occurred if you had notified the card issuer within the 60-day period. You may also be liable for up to $50 or $500 for each card as described above, as applicable.

Plus Package© services and benefits, including any insurance coverage, are provided by Affinion Benefits Group (ABG), unless otherwise indicated, in conjunction with Financial Services Association (FSA) which your financial institution sponsors. This sponsorship results in an association membership being provided to each eligible customer and any co-owner of their account. Any part of this program may be modified or improved at any time without prior written notice.

© 2012, Branch Banking and Trust Company. All rights reserved.