BB&T Corporation Consumer Privacy Notice
Rev. 01/2018
Facts: What does BB&T do with your personal information?
| Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do. |
| What? | The types of personal information we collect and share depend on the product or service you have with us. This information can include:
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| How? | All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information, the reasons BB&T chooses to share and whether you can limit this sharing. |
| Reasons we can share your personal information | Does BB&T share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus; or, as permitted by law | Yes | No |
| For our marketing purposes – to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates' everyday business purposes – information about your transactions and experiences | Yes | No |
| For our affiliates' everyday business purposes – information about your creditworthiness | Yes | Yes |
| For our affiliates to market to you | Yes | Yes |
| For nonaffiliates to market to you | No | We don't share. |
| To limit our sharing |
|
| Questions? | Call 1-888-800-3420 |
| Who we are | |
|---|---|
| Who is providing this notice? | This notice is provided by certain specific companies* in the BB&T corporate family, such as banks, consumer finance companies, securities broker-dealers, investment advisors and mortgage companies. |
| What we do | |
|---|---|
| How does BB&T protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Our employees are bound by our Code of Ethics and policies to access consumer information only for legitimate business purposes and to keep information about you confidential. |
| How does BB&T collect my personal information? | We collect your personal information, for example, when you:
We also collect your personal information from others, such as credit bureaus, affiliates or other companies. |
| Why can't I limit all sharing? | Federal law gives you the right to limit only:
State laws and individual companies may give you additional rights to limit sharing. [See below for more on your rights under state law.] |
| What happens when I limit sharing for an account I hold jointly with someone else? | Your choices will apply to everyone on your account. |
| Definitions | |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
|
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
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| Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|
Other important information
You may have other privacy protections under some state laws. We will comply with applicable state laws as to information about you, including medical information.
- Accounts with California addresses will be treated as if you opted out of joint marketing arrangements.
- For Vermont customers. We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.
*BB&T Companies providing this notice are: BB&T Credit Services, Inc., BB&T Securities, LLC, Branch Banking and Trust Company, Regional Acceptance Corporation.
New York City residents: Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at www.nyc.gov/dca.
Branch Banking and Trust Company is now Truist Bank. Learn more.
BB&T and SunTrust have merged to become Truist. Both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees and pricing. Our friendly teammates at your local SunTrust branches will be happy to walk you through their respective products. You can also learn more by contacting them at 800-SUNTRUST or SunTrust.com.