Business Services Product and Pricing Guide

Effective March 23, 2015

Please note: The pricing in this guide applies only to BB&T accounts converting from Citibank branches in Texas. For pricing of new accounts, please visit your BB&T financial center.

BANKING INSURANCE INVESTMENTS

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Account Name Change Chart...... 1

Checking Solutions Business Checking Standard Benefits...... 2 Other Products Offered...... 2 Business Value 200 Checking...... 2 Business Value 500 Checking...... 2 Business Analyzed Checking...... 3 Public Fund Analyzed Checking...... 3 Business Interest Checking...... 4 Public Special Money Rate Checking...... 4 Commercial Interest Checking...... 4 IOLTA Checking...... 5

Savings Solutions Money Market Deposit Standard Benefits...... 5 Business Money Rate Savings...... 5 Public Fund Money Rate Savings...... 5 Certificates of Deposit (Business and Public Fund)...... 6

Borrowing Solutions BB&T Business Loans...... 6 Credit Cards...... 6

Additional Solutions at BB&T BB&T Business ...... 7 BB&T ATMs...... 7 BB&T Small Business Online and Online Bill Payment...... 7 BB&T Alerts...... 8 BB&T Mobile Banking...... 8 BB&T Phone24...... 8

Important Information BB&T Overdrafts...... 8 BB&T Overdraft Review...... 8 Overdraft Protection...... 8 Payment of Items...... 9 Funds Availability...... 9 Monthly Statements...... 9 Online Statements...... 9 Accessing Account History...... 9 Checks...... 9 FDIC Insurance...... 9

Other Services Cash Management Services...... 10 BB&T Safe Deposit Box...... 10 Direct Deposit/Automatic Drafts...... 10 Wire Transfers...... 10 Image Statements...... 10

Fee Schedule...... 11

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Your new BB&T account name has been determined based on the specific terms and conditions of your Citibank account. If Change you have any questions, please visit your nearest financial center. Our representative will explain specific BB&T products and discuss options that may be better suited to you. Checking and Savings Accounts Chart Citibank Account: New BB&T Account: CitiBusiness® Streamlined Checking Business Value 200 Checking CitiBusiness Preferred Banking Healthcare Package Legal Package Accounting Package Manufacturers/Wholesalers Package CitiBusiness Flexible Checking Business Value 500 Checking CitiBusiness Preferred Banking Healthcare Package Legal Package Accounting Package Manufacturers/Wholesalers Package CitiBusiness Checking Business Analyzed Checking CitiEscrow Control Checking Escrow Client Checking SDA Control Checking Tenant Checking Deposit Administrator Control DDA Deposit Administrator Account Client Checking CitiBusiness Preferred Banking Healthcare Package Legal Package Public Funds Checking Public Fund Analyzed Checking CitiBusiness Interest Checking Business Interest Checking Healthcare Package Legal Package Public Funds Interest Checking Public Special Money Rate Checking Public Funds Checking Public Funds Money Market Puerto Rico Sweep Commercial Interest Checking Nassau Sweep IOLTA Checking IOLTA Checking IOLTA CitiEscrow IOLTA Control Checking CitiBusiness IMMA Business Money Rate Savings CitiBusiness Savings Escrow Client IMMA Deposit Admin Client IMMA Healthcare Package Public Funds Money Market Public Fund Money Rate Savings Public Fund Savings Court Ordered Money Market Other Accounts Citibank Account: New BB&T Account: Certificate of Deposit Certificate of Deposit Public Fund Certificate of Deposit Public Fund Certificate of Deposit Commercial Loan BB&T Loan Safe Deposit Box BB&T Safe Deposit Box Internet Banking BB&T Small Business Online

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418558_V2.indd 3 12/9/14 9:34 AM Checking Solutions BB&T offers checking accounts for businesses, community organizations, public entities and nonprofit organizations. Your BB&T Relationship Manager at your local financial center can discuss your business checking needs and help you identify the solution that’s best for you and your business. Please visit BBT.com for a complete listing of all BB&T checking and money market accounts. Business Checking Standard Benefits n BB&T Small Business Online with unlimited Bill Payment n BB&T Business Debit Card n Mobile banking with account alerts1 n Overdraft protection options available2 n An optional monthly Account Analysis statement showing your checking, money market deposits and cash management services in one convenient statement, separate from your monthly Deposit statement 1Fees from your mobile or data carrier may apply. 2BB&T offers a variety of accounts and credit options that can be linked to your checking account to provide overdraft protection. Some products may be subject to credit approval. Other Products Offered n No annual fee BB&T Visa® Business Credit Card1 with BB&T Business Rewards2 n Next-business-day funding to your BB&T business checking account with Visa®, MasterCard® and Discover® credit and debit card processing3 through BB&T Merchant Services 1Subject to credit approval and business type. Member FDIC. 2BB&T Business Rewards is available only to BB&T Visa Business clients with an aggregate company credit line of less than $100,000. 3BB&T Merchant Services are subject to business type and credit approval.

Solutions Business Value 200 Checking Business Value 200 Checking is a cost-effective account that is ideal for sole proprietorships, start-ups, and small businesses with minimal checking activity each month. In addition to our standard benefits (see above), Business Value 200 Checking offers Checking you these features: n 200 free combined items1 per month n Up to $10,000 cash processing per month free n Waived maintenance fee Bright Banking personal account for one business client7 n Discount on first order of checks Business Value 200 Checking Pricing Information: n Monthly maintenance fee...... $10.00 n For each combined item1 over 200 per month...... $0.50 n Fee for cash deposited in excess of $10,000 per month...... $2.10 per $1,000 Avoid the $10.00 monthly maintenance fee with any of the following: n $1,500 average monthly balance OR n $6,000 combined average monthly balances in checking accounts (business/public fund/personal2), Money Rate Savings accounts (business/public fund/personal2), Business Investor’s Deposit Accounts and/or outstanding balances on both business and/or personal loans3, lines of credit4 and credit cards5 OR n A qualifying transaction from a BB&T Merchant Services account6 n The letter mailed with this Guide may contain additional pricing information about this account. 1Combined items represent checks paid, debit and credit memos, deposit tickets, checks deposited, online bill payments, electronic debits and credits (including debit card transactions). 2Personal accounts of business owners only. 3Personal loans include loans originated in a branch; including personal loans and loans secured by savings/CDs/stocks (excludes 1st and 2nd closed end personal loans secured by a residence and Sales Finance Loans). 4Personal lines of credit include Preferred Lines and Home Equity Lines. 5Loans, lines of credit and credit cards are subject to credit approval. 6Subject to business type and credit approval. A BB&T Merchant Services qualifying transaction is a payment card settlement (e.g. Visa®, MasterCard®, ® or Discover®) from a BB&T Merchant account deposited to a linked BB&T checking account at least once during the monthly statement cycle. 7Service. fees apply. A monthly maintenance fee applies if the Business Value 200 Checking account is closed. Business Value 500 Checking Business Value 500 Checking provides a comprehensive package of financial tools designed for businesses with moderate- to-high checking activity and cash deposits. You’ll enjoy the standard business checking benefits (see above) as well as these additional features: n 500 free combined items1 per month n Up to $20,000 cash processing per month free n Waived maintenance fee Elite Gold personal account for one business client6 n Discount on first order of checks n No automatic overdraft protection transfer fee Business Value 500 Checking Pricing Information: n Monthly maintenance fee...... $25.00 n For each combined item1 over 500 per month...... $0.50 n Fee for cash deposited in excess of $20,000 per month...... $2.10 per $1,000 Avoid the $25.00 monthly maintenance fee with any of the following: n $5,000 minimum daily balance OR

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), Money Rate 2 , ACH Preauthorized , ACH Preauthorized ® ® $0.12 $0.12 $0.85 $0.18 $0.12 $0.12 $20.00 $20.00 1 1 for more sophisticated electronic banking for more sophisticated electronic banking , BB&T OnSite Deposit , BB&T OnSite Deposit ® ® ® ® outstanding balances on both business ), business CDs and/or 2 OR

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, lines of credit 3 ...... BB&T. BB&T. Other in-state institution...... Out-of-state institution...... unlimited bill payment needs, or BB&T Small Business Online with needs, or BB&T Small Business Online with unlimited bill payment OR monthly balance $15,000 average fund/personal accounts (business/public balances in checking average monthly $50,000 combined separate from your deposit statement Monthly maintenance fee...... Deposit and other credit (per item)...... $0.85 Deposited items (per item) n Bank’s discretion. Bank’s discretion. services that can lower or cover your overall service costs and cash management services No-fee, monthly analysis statement, including detailed information regarding checking For online services, you can choose between BB&T CashManager OnLine Wide variety of cash management services such as CashManager OnLine No balance requirements Unlimited check writing privileges to the average positive collected An Earnings Credit: ECR feature that is calculated by applying the earnings credit rate analysis of balances and The ability to group multiple Public Fund Analyzed Checking accounts allows a consolidated ...... Coin and currency (per $1,000 deposited) $1.80 this account. The letter mailed with this Guide may contain additional pricing information about Monthly maintenance fee...... Deposit and other credit (per item)...... Deposited items (per item) n n n Check paid and other debit (per item)...... credit rate is determined by the Bank and is subject to change at the balance for services in the account. The earnings detailed information regarding checking and cash management services No-fee, monthly analysis statement, including separate from your deposit statement BB&T CashManager OnLine For online services, you can choose between such as CashManager OnLine Wide variety of cash management services and is subject to change at the balance for services in the account. The earnings credit rate is determined by the Bank No balance requirements Unlimited check writing privileges by applying the earnings credit rate to the average positive collected An Earnings Credit: ECR feature that is calculated Checking accounts, which allows a consolidated analysis of balances and The ability to group multiple Business Analyzed Account balance in Business Investor’s Deposit $50,000 average monthly information about this account. this Guide may contain additional pricing The letter mailed with service costs services that can lower or cover your overall and/or personal loans fund/personal Savings accounts (business/managed/public Draft Services, Wires, Lockbox Services, Vault and Check Imaging CD-ROM and Check Imaging CD-ROM Draft Services, Wires, Lockbox Services, Vault n n n n n n n n n n n n n n n n n n n n n n n n n n n

Service fees may apply. Please discuss with your local BB&T financial center. debit card transactions). Preferred Lines and Home Equity Lines. Personal lines of credit include cards are subject to credit approval. Loans, lines of credit and credit . Checking account is closed. maintenance fee applies if the Business Value 500 Service fees apply. A monthly debits and credits (including checks deposited, online bill payments, electronic checks paid, debit and credit memos, deposit tickets, Combined items represent owners only. Personal accounts of business and 2nd closed end personal loans secured by savings/CDs/stocks (excludes 1st originated in a branch, including personal loans and Personal loans include loans and Sales Finance Loans). loans secured by a residence C allowance based on positive collected and public agencies with high cash management activity. You’ll enjoy an earnings credit checking benefits apply (see page 2), plus balances that can help you reduce or eliminate service charges. Standard business Public Fund Analyzed Checking Pricing Information: 1 Public Fund Analyzed Checking agencies, local municipalities Public Fund Analyzed Checking is designed to meet the needs of state or federal government needs. You’ll enjoy an earnings credit allowance based on positive collected balances account activity and/or cash management charges. Standard business checking benefits apply (see page 2), plus many that can help you reduce or eliminate service extras including: Business Analyzed Checking Pricing Information: many extras including: 4 5 6 Checking Business Analyzed levels of businesses and organizations with moderate-to-high is a smart solution for all types of Business Analyzed Checking 1 2 3 418558_V2.indd 5 n Other in-state institution...... $0.12 n Out-of-state institution...... $0.12 n Check paid and other debit (per item)...... $0.18 n Coin and currency (per $1,000 deposited)...... $1.80 n The letter mailed with this Guide may contain additional pricing information about this account. 1Service fees may apply. Please discuss with your local BB&T financial center. Business Interest Checking Business Interest Checking is an interest-bearing checking account designed for small to medium businesses and nonprofit organizations looking to invest temporary excess funds, maintain a liquid reserve, and generate income. Features include the standard benefits package (see page 2), as well as: n 150 free combined items1 per month n Up to $5,000 cash processing per month free Business Interest Checking Pricing Information: n Monthly maintenance fee...... $15.00 n For each combined item1 over 150 per month...... $0.50 n Fee for cash deposited in excess of $5,000 per month...... $2.10 per $1,000 Avoid the $15.00 monthly maintenance fee by maintaining a $6,000 average monthly balance n The letter mailed with this Guide may contain additional pricing information about this account. 1Combined items represent checks paid, debit and credit memos, deposit tickets, checks deposited, online bill payments, electronic debits and credits (including debit card transactions). Public Special Money Rate Checking

Solutions Public Special Money Rate Checking is optimal for state and federal government agencies, local municipalities and public agencies that have a high level of checking activity and want to earn interest, or that require treasury services. This account earns competitive interest rates compounded daily on collected balances. Features include the standard benefits package (see page 2), as well as: Checking n No balance requirements n Unlimited check writing privileges n Complimentary monthly analysis statement, including detailed information about checking and cash management services used n BB&T payment solutions that help you manage your payables and receivables n Your choice of BB&T CashManager OnLine® for more sophisticated electronic banking needs, or BB&T Small Business Online with unlimited bill payment n Wide variety of cash management services such as CashManager OnLine®, BB&T OnSite Deposit, ACH Preauthorized Draft Services, Wires, Lockbox Services, Vault and Check Imaging CD-ROM Public Special Money Rate Checking Pricing Information: n Monthly maintenance fee...... $20.00 n Deposit and other credit (per item)...... $0.85 n Deposited items (per item) n BB&T...... $0.12 n Other in-state institution...... $0.12 n Out-of-state institution...... $0.12 n Check paid and other debit (per item)...... $0.18 n Coin and currency (per $1,000 deposited)...... $1.80 n The letter mailed with this Guide may contain additional pricing information about this account. Commercial Interest Checking Commercial Interest Checking is designed for medium to large businesses and non-profit organizations wanting to maximize earnings with interest. Features include the standard benefits package (see page 2), as well as: n Competitive interest rates, compounded daily on collected balances n Maintain a liquid reserve n No balance requirements n Unlimited check writing privileges n Complimentary monthly analysis statement, including detailed information about checking and cash management services used n BB&T payment solutions that help you manage your payables and receivables n Your choice of BB&T CashManager OnLine® for more sophisticated electronic banking needs, or BB&T Small Business Online with unlimited bill payment n Wide variety of cash management services such as CashManager OnLine®, BB&T OnSite Deposit, ACH Preauthorized Draft Services, Wires, Lockbox Services, Vault and Check Imaging CD-ROM Commercial Interest Checking Pricing Information: n Monthly maintenance fee...... $20.00 n Deposit and other credit...... $0.85 n Deposited items n BB&T...... $0.12 n Other in-state institution...... $0.12 n Out-of-state institution...... $0.12

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418558_V2.indd 6 12/9/14 9:34 AM n Check paid and other debit (per item)...... $0.18 n Coin and currency (per $1,000 deposited)...... $1.80 n The letter mailed with this Guide may contain additional pricing information about this account. IOLTA Checking (Interest on Lawyers’ Trust Accounts) IOLTA Checking is available exclusively to lawyers and law firms managing general (multi-client) trust funds. This checking account features an attractive interest rate and direct payment of interest to your state’s bar foundation. IOLTA Checking features include: n No monthly maintenance fee n No minimum balance requirement n Unlimited deposits and other credits, items deposited, checks paid and other debits at no charge n Interest on gross amount funds remitted directly to the Texas Access to Justice Foundation n A monthly deposit account statement showing daily balance and detailed transaction information IOLTA Checking Pricing Information: n Please note that service charges are not debited from IOLTA. n This account complies with the requirements of the Texas Access to Justice Foundation. Attorneys are responsible for certain fees that the state program does not permit to be paid from the interest.

Savings Solutions BB&T offers a variety of money market deposit accounts and other savings products for businesses, community organizations, public entities and nonprofit organizations. A BB&T Relationship Manager can help you find the right savings vehicle for your business. Money Market Deposit Standard Benefits n Compounded interest earned 365 days per year on collected balances pays at statement cycle n Convenience of check writing n Check safekeeping, a safe and convenient check storage method. You may request up to three copies of checks per statement cycle at no cost. Check copies can also be viewed through BB&T Small Business Online. n Six (6) transfers or withdrawals during any monthly statement cycle for the purpose of transferring funds to another BB&T account or making third-party payments by means of a check, draft, debit card, preauthorized or automatic transfer, telephonic transfer, online banking or similar order1 n Unlimited BB&T ATM and in-branch withdrawals at no cost (Money Market accounts are subject to fund transfer charges when transfers are made through a BB&T Phone24 associate.) n May be linked to any business/public fund checking account for overdraft protection to cover overdrafts. Overdraft protection transfers are included in the number of six (6) permissible automatic transfers allowed per monthly statement cycle. Checking/Savings 1Regulation D limits this account to no more than six (6) transfers or withdrawals during any monthly statement cycle for the purpose of transferring funds to another BB&T account or making third-party payments by means of a check, draft, debit card, preauthorized or automatic transfer, telephonic transfer, online banking or similar order. Your account is subject to closure or conversion to a transaction account if you repeatedly exceed the permitted transactions. Some unlimited forms of transfers and withdrawals are permitted. See your Commercial Bank Services Agreement for details. Business Money Rate Savings Solutions Business Money Rate Savings, available to all types of businesses and nonprofit organizations, is the optimal account for businesses with moderate savings balances. Business Money Rate Savings Pricing Information: n Monthly maintenance fee...... $10.00 n No fee for deposits and other credits n No fee for the first 20 deposited items per statement cycle n Fee for deposited items over 20 n BB&T...... $0.39 n Other in-state institution...... $0.39 n Out-of-state institution...... $0.39 n Check paid and other debit…(See money market transfer/withdrawal information under Standard Benefits) n Coin/Currency deposited – $5,000 or less...... No charge n Coin/Currency deposited – greater than $5,000 (per $1,000)...... $2.10 n An excessive withdrawal fee of $15 will apply if there are more than six (6) preauthorized, automatic, computer, or telephonic transfers (including BB&T Small Business Online) and withdrawals Avoid the $10.00 ­monthly maintenance fee with any of the following: n $250 minimum daily balance OR n $500 average monthly balance OR n One recurring preauthorized deposit or incoming transfer of at least $100 per monthly statement cycle n The letter mailed with this Guide may contain additional pricing information about this account. Public Fund Money Rate Savings Public Fund Money Rate Savings is available to public entities, including state or federal government agencies, local municipalities and public agencies. This account is optimal for organizations with low to moderate savings balances.

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418558_V2.indd 7 12/9/14 9:34 AM Public Fund Money Rate Savings Pricing Information: n Monthly maintenance fee...... $10.00 n No fee for deposits and other credits n No fee for the first 20 deposited items per statement cycle n Fee for deposited items over 20 n BB&T...... $0.39 n Other in-state institution...... $0.39 n Out-of-state institution...... $0.39 n Check paid and other debit (See money market transfer/withdrawal information under Standard Benefits) n Coin/Currency deposited – $5,000 or less...... No charge n Coin/Currency deposited – greater than $5,000 (per $1,000)...... $2.10 n An excessive withdrawal fee of $15 will apply if there are more than six (6) preauthorized, automatic, computer, or telephonic transfers (including BB&T Small Business Online) and withdrawals. Avoid the $10.00 monthly maintenance fee with any of the following: n $250 minimum daily balance OR n $500 average monthly balance OR n One recurring preauthorized deposit or incoming transfer of at least $100 per monthly statement cycle n The letter mailed with this Guide may contain additional pricing information about this account. Certificates of Deposit (Business and Public Fund) BB&T Certificates of Deposit may provide you with interest rates higher than other accounts. We offer a variety of terms ranging from seven days to 60 months. We also offer special CDs designed to help you achieve specific goals. Please visit BBT.com or your local BB&T financial center for details about our CD options. Your BB&T Fixed Rate CD will include the following features: n Your current term, rate, accrual method and early withdrawal penalty routines will remain the same until your CD matures. Please refer to the enclosed BB&T Commercial Bank Services Agreement for information on the conditions that will apply to your CD after renewal. n A pre-renewal notice will be mailed 20 days prior to renewal on CDs with terms greater than 32 days. n If the Certificate of Deposit has a term of thirty-two (32) days or more, you may change the term of a Certificate of Deposit by notice to the Bank during the ten (10) day period beginning the day after the renewal date and including the next nine (9) calendar days. n If you don’t make any changes during your grace period, your CD will automatically renew with the same term and with the interest rate in effect for your term and account balance at the time of renewal. n At renewal, certificate early withdrawal penalties will revert to BB&T’s early withdrawal penalties. n For single-maturity CDs, interest is not earned after the maturity date. n After renewal, your interest accrues as simple interest on collected balances. n You will benefit from expanded tiered interest rates, which may reward you with higher interest earned for higher balances. n BB&T offers a variety of terms from 7 days to 60 months with tiered interest rates based on term and balance. Interest is payable monthly, quarterly, semiannually or annually. Simple interest CDs pay at maturity if the term is 12 months or less. If the term is greater than 12 months, interest is paid annually. n Interest cannot be paid by ACH (direct deposit) or by check to another financial institution. n You can receive a single check for interest payments on up to eight CDs, as long as those CDs pay interest on the same day and share the same name, address and Social Security number. n If you choose to combine your CD with your BB&T checking account(s), you can receive a monthly statement showing CD activity. Otherwise, no monthly statement will be issued for your CD. Borrowing Solutions At BB&T, you’ll find a complete range of loans and lines of credit that can help you manage your cash flow, finance expansion or real estate, purchase equipment and vehicles, or cover the costs of your business’s industry-specific needs. BB&T Business Loans If you have a business loan, you will begin receiving BB&T loan statements after March 23, 2015. Credit Cards The BB&T Visa® Business Credit Card1 gives you the flexibility and security you need to manage the concerns of your small business. It also simplifies managing your company’s expenses and cash flow, provides detailed reports and gives you and your employees the convenience of Visa acceptance at more than 30 million locations worldwide. Other benefits include: n No annual fee n Overdraft Protection options Solutions n Variable credit limits that can grow with your business n BB&T Business Rewards2 n Flexible billing and payment options n Convenience of paying for travel and entertainment expenses n Easy purchase of business supplies n Fraud protection n Extended Protection and Purchase Security benefits Savings/Borrowing n BB&T Credit Card Connection – complete online access to your account information 1BB&T credit cards are subject to business type and credit approval. 2BB&T Business Rewards is available only to BB&T Visa Business Credit Card clients with an aggregate company credit line of less than $100,000.

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Additional Solutions at BB&T Solutions BB&T Business Debit Card If you have an active Citibank Business Debit MasterCard®, you should receive a packet by March 20, 2015, containing your new BB&T business debit card, activation instructions and additional usage information. You will also receive a system-generated at Personal Identification Number (PIN), mailed separately. Please activate and begin using your new card after 4 p.m. CT on BB&T March 22, 2015. After you activate your card, you can change the system-generated PIN to a PIN of your choosing. If you have questions about your BB&T business debit card or PIN, contact the Conversion Information Line at 888-822-6634 from 5 a.m. to 11:00 p.m. CT, seven days a week. See the BB&T Business Debit Card Agreement for information about your new daily spending limits, ATM withdrawal limits and other important account information. Ask your relationship manager how to obtain business debit cards with controlled spending limits and restricted access to account information for employees who need to make purchases or deposits for the business. Here is a list of Visa® benefits that come with your BB&T business debit card: n Purchase Security & Extended Protection n Lost/Stolen Card Reporting n BB&T Zero Liability1 n Cardholder Inquiry Service n Emergency Card Replacement & Emergency Cash Disbursement n Travel & Emergency Assistance Services n Auto Rental Collision Damage Waiver BB&T business debit card clients can enroll in Visa SavingsEdge®, which enables clients to save automatically on qualifying purchases that will show as a credit on their checking account statement. Business debit card clients can enroll for free at VisaSavingsEdge.com/BBT. Make a statement with your purchase by adding your company logo, personal photo, photo ID image or gallery photo to your BB&T business debit card. Learn more about personalizing your card at BBT.com/CardDesign.2 BB&T offers surcharge-free access3 to Allpoint Network ATMs nationwide, including 2,900 ATMs throughout Texas. You receive unlimited no fee non-BB&T ATM transactions (cash withdrawals, balance inquiries and transfers) at Allpoint Network ATMs using your BB&T business debit card. As a BB&T account holder in Texas, you also receive four (4) surcharge rebates up to $3 each per statement from BB&T when you use your BB&T business debit card at any non-BB&T ATM. The ATM benefits provided at MoneyPass ATMs, Publix/Presto ATMs and 7-Eleven ATMs terminate on March 23, 2015. All MasterCard benefits associated with your Citibank business debit card will terminate on March 23, 2015. 1BB&T Zero Liability provides 100% reimbursement for most unauthorized transactions made with a lost or stolen BB&T business debit card. Please see the Business Debit Card Agreement for complete details. 2A fee may apply. See the Business Services Pricing Guide for more information. 3“Surcharge-free” means that no transaction fees are charged by the owner of the ATM. Coverage is limited to BB&T debit card, business debit card and ATM card clients whose accounts were opened in the state of Texas. Note: You may see a surcharge fee notice appear on the transaction screen when using an Allpoint Network ATM. Please disregard this notice as you will not be charged for a surcharge fee when using a BB&T debit card, business debit card or ATM card. BB&T ATMs Once you’ve received and activated your new BB&T business debit card, you’ll have the convenience of using our network of more than 2,900 BB&T ATMs to make instant cash withdrawals, deposits and transfers. You can also: n Check your balances, purchase mini-statements of recent transactions for a fee of $1, or purchase a full statement for a fee of $2. n Purchase phone cards at most ATMs. n Withdraw cash at most non-BB&T ATMs. Please note that BB&T does not offer the ability to change your PIN number at an ATM machine. You may change your PIN by calling BB&T Phone24 at 800-BANK BBT (800-226-5228). BB&T Small Business Online and Online Bill Payment Manage your business accounts securely, 24 hours a day, seven days a week with BB&T Small Business Online Banking. Bank conveniently from your office, home or anywhere with a computer and Internet access. Gain a competitive edge with: n Online bill payments for an unlimited number of transactions n Alerts on account balances, transactions and more n Online statements with up to 24 months of account history n Transfers between accounts that are quick and convenient n Security at the highest level available n Use DirectConnect to sync your BB&T account information with Quicken® or QuickBooks® (fee may apply) Optional Business Services are available through BB&T Small Business Online for a low monthly fee: n Multiple User Access - Allows customized account and transaction-level access for additional users n Payment Services - Features same-day domestic and international Wire Transfers, Next-Day ACH payments, and Direct Deposit Beginning March 23, 2015, please direct any questions regarding your BB&T Small Business Online account to BB&T Online Support at 888-BBT ONLINE (888-228-6654). BB&T Online Support is available seven days a week from 5 a.m. to 11:00 p.m. CT.

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418558_V2.indd 9 12/9/14 9:34 AM Quicken and QuickBooks are registered trademarks of Intuit, Inc. BB&T OnLine Banking services, which may be accessed through Intuit’s Quicken and QuickBooks software, are owned by BB&T, not Intuit. To use DirectConnect, Internet access is required. A monthly maintenance fee of $9.95 will apply for Quicken and monthly maintenance fee of $14.95 will apply for QuickBooks. BB&T Private Vantage clients, BB&T Wealth Vantage, Elite Gold, Elite Classic, and BB&T Asset Management Accounts, enjoy Quicken without a monthly fee. BB&T Alerts n BB&T Alerts are available for checking, savings, loan and credit card accounts. You can receive email and text message notifications of your account balances and transactions, online profile changes, statement availability, ACH and wire payments, bill payment and credit card transactions, NSF/overdraft activity, and many others. n Log on to online banking at BBT.com and go to Edit or Add Alerts to establish your alert settings. BB&T Mobile Banking n With BB&T Mobile Banking, you can use your mobile device to manage your finances securely and instantly. You can manage your accounts by using text message commands, accessing our mobile website, or downloading the free BB&T Mobile Banking app for iPhone®, iPad® and Android® devices. n BB&T Mobile Banking offers you another way to securely access your account balances, view online statements, review recent account history, pay bills, transfer funds between your accounts and deposit checks using your mobile device. n Log on to the BB&T Mobile Banking website and the BB&T Mobile Banking app using your BB&T Small Business Online user ID and password. n To get started with text banking, log on to online banking and enter your mobile number in My Profile.

Information BB&T Phone24 BB&T Phone24 provides automated access to account information and other banking services 24 hours a day, seven days a week. You can check balances, obtain deposit and loan account information, transfer funds between accounts linked to your BB&T Business debit card, stop payment, activate your BB&T Business debit card, report a lost or stolen card, get tax information, and more. In addition, you can receive personal assistance from client service associates from 6 a.m. until midnight CT, seven days a week. You may access BB&T Phone24 beginning at 5 a.m. CT on March 23, 2015. Simply dial 800 BANK BBT (800-226-5228) Solutions/Important or visit a local financial center to request a security code. After you receive your security code, dial 800 BANK BBT (800-226-5228), then enter your Taxpayer Identification Number, followed by the pound (#) key, and your four-digit security code (PIN). You may also access BB&T Phone24 by entering your 16-digit Business debit card account number, followed by the pound (#) key, and your four-digit security code (PIN) associated with your card. Additional Important Information BB&T Overdrafts The Commercial Bank Services Agreement provides you with important information governing your account with BB&T. We encourage you to read the following sections of the Commercial Bank Services Agreement: “Payment of Items”, which describes how BB&T posts transactions to your account; “Overdrafts”, which describes BB&T’s Overdraft Review Program; “Overdraft Protection”, which describes the overdraft protection options at BB&T; and “Funds Availability”, which describes how BB&T makes funds available to your account. BB&T Overdraft Review n Please review the attached Commercial Overdraft Review Notice that includes information about our Overdraft Review Program. This program is different from and will replace your current overdraft service. n BB&T will set your account to opt-in for all transactions which means all transactions are automatically subject to Overdraft Review. You may opt-out of Overdraft Review if you want the Bank to not consider paying all types of transactions. If you opt-out, all of your debit card and ATM transactions will be declined at point of sale and all checks, ACH, recurring debits and all other transfers and withdrawals will be returned unpaid or declined. Fees will apply to this Overdraft Review whether the checks or transactions are paid (Overdraft Fee) or declined (Returned Item Fee). Please visit a BB&T financial center or use one of the channels listed on the Overdraft Decision Notice if you would like to change your Overdraft Review decision. This decision cannot be made before March 23, 2015. Overdraft Protection Overdraft Protection is available through linking your checking account to other accounts you have at BB&T. n When necessary, available funds can be manually or automatically1 transferred between accounts during nightly posting to prevent overdraft or returned item fees. n Overdraft protection can be linked to the following accounts: n Business Money Rate Savings n Public Fund Money Rate Savings (for public fund checking accounts only) n Business Investor’s Deposit Account n BB&T Business Visa® Credit Card2 n BB&T Business Advantage Credit Line (secured only)3 n Credit Line Sweep3 Please see your BB&T Commercial Bank Services Agreement for more information.

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418558_V2.indd 10 12/9/14 9:34 AM 1An automatic overdraft protection transfer fee will apply. See Fee Schedule for details. 2Credit cards subject to credit approval. Credit cards issued by BB&T Financial, FSB, a subsidiary of BB&T Corporation and Member FDIC. Overdraft maximum equals cash advance limit of the credit card account. 3Subject to credit approval. Payment of Items (How we process your deposits and withdrawals) In general, BB&T will post most debit transactions to your account in chronological order. Chronological posting is used when the bank can identify both date and time information for the transaction. For each processing day, we post transactions in the following order: n All credits (deposits) n Debits with date and time information in chronological order n Debits without date and time information in order of low to high dollar amount n Checks in sequential order When date and time information is available, prior day debits and fees will post before current day debits and fees. Items sent by merchants for authorization prior to being submitted for final payment will post according to the date and the time of the authorization request. Funds Availability (When your deposits will be made available) Our general policy is to make funds from BB&T check deposits available on the same business day that we receive the deposit, and to make funds from non-BB&T check deposits available on the first business day after the day we receive the deposit. In general, the first $100 of your branch check deposit will be made available immediately. Funds from an over-the-counter cash deposit will be available immediately. Funds from an electronic direct deposit will be available on the day we receive settlement for the deposit. If we place a two-day hold on a check deposit, the first $200 will be available during nightly processing on the business day of your deposit and you will be notified of the delay. Longer delays may apply. Please see the Commercial Bank Services Agreement for more information. Monthly Statements You should receive your last Citibank statement(s) after March 20, 2015. After the conversion, you should continue to receive your statements on approximately the same monthly cycle as you do now. BB&T may automatically combine your checking, savings, and overdraft protection account information into one statement. For the first few months after the conversion, you’ll see both your Citibank account number(s) and your new BB&T account number(s) on your statements. (Please see below for information about online statements.)

Online Statements Important Your BB&T statements will be delivered by US mail unless you set online-only delivery for your statements. Do this by logging in to BB&T Online Banking, indicate your preferences and accept the applicable agreements. To turn off mailed statements for your first BB&T statement, log in by Thursday, April 9, 2015 for personal accounts, or Friday, March 27, 2015 for Information business accounts. You can set email or text alerts to notify you when your statement and other account communications are available online. Accessing Account History Up until 4 p.m. CT on March 20, 2015, you can access and download up to 6 months of account history and transactions for your Citibank account(s) through Citibank’s online banking. Your Citibank account history will not transfer to BB&T. After March 20, please contact Citibank for any account history or transactions associated with your Citibank account(s). Checks Please continue to use your current Citibank checks and deposit slips through March 22, 2015. If you need additional checks before then, please order the minimum quantity. You will receive additional details on ordering new BB&T checks and deposit tickets shortly after March 21. Once you receive your new checks, begin using them immediately as your Citibank checks will no longer be honored after September 18, 2015. Any checks received with your old Citibank account information after September 18, 2015 will be returned to the originators. FDIC Insurance Your deposits at BB&T will continue to be insured by the FDIC up to the maximum amount allowed by law. At the time of the conversion, your deposits at the Citibank branch that is converting to BB&T and any deposits that you may already have at BB&T will continue to be insured separately for a period of six months after the conversion date. Certificates of Deposit are insured separately for six months after the conversion date or until maturity, whichever is later. In addition, if you have a Certificate of Deposit that is renewed for the same term and amount during this six-month transition period, the Certificate of Deposit will continue to be insured separately until the next renewal date. After the six-month transition period, your deposits at the converting Citibank branch and any deposits that you may already have at BB&T will be added together for the purpose of determining the amount of your FDIC coverage. Your total deposits at BB&T

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418558_V2.indd 11 12/10/14 4:44 PM 418558_V2.indd 12 Important Information/Other Services or othercreditsinthebankstatement.CheckimagesareavailablefreeofchargethroughBB&TSmallBusinessOnlineBanking. tickets orothercreditsarenotprovided.Additionalfeesmayapplyforimagestatements.BB&Tdoesreturndeposit BB&T offerstheoptiontoreceiveimagesofchecksandotherdebititemsinmonthlystatement;however,deposit Image Statements Effective March23,2015,pleaseusethefollowingwireinstructions: Wire Transfers items receivedwithyouroldaccountinformationwillbereturnedtotheoriginators. been madebythecompaniesinvolvedinyourdirectdepositsandotherACHtransactions.AfterSeptember18,2015, However, wealsoencourageyoutoconfirmthatthenecessarychangesbothyouraccountandrouting/transitnumbershave of Changebacktotheoriginatingfinancialinstitutions,providingyournewBB&Taccountandrouting/transitnumbers. receive andposttransactionsthathavevalidinformationfromyourCitibankaccount(s),wewillsendelectronicNotifications BB&T willcontinuetoacceptyourdirectdepositsandautomaticdrafts(ACHtransactions)untilSeptember18,2015.Aswe Direct Deposit/AutomaticDrafts Please keepthisinformationwithyourBB&Tdocuments. the statepursuanttoapplicablelaw.Anymailingswillbesentyourlastknownaddress. contents oftheBoxandpaidallaccumulatedchargesafterreceivingcertificate,willbesoldorturnedoverto then besenttoyoushowingyourname,thedateBoxwasopened,andalistofcontents.Ifhavenotclaimed must paytherentalwithinthirty(30)daysorBoxmaybeopenedandcontentsstoredatyourexpense.Acertificatewill rent becomesdue.Afterone(1)year,theBankwillnotifyyoubyregisteredorcertifiedmail,returnreceiptrequested,that If yourrentisunpaid,PastDueNoticeswillbesenttoyouatthirty(30),ninety(90),andonehundredeighty(180)daysafter will thenconverttoBB&Tpricingatthefirstbillingdateafterthatoneyear. rent willremainthesameforoneyearfromconversiondateandcontinuetobebilledoncurrentschedule.Your If youcurrentlyhaveaCitibanksafedepositbox,itwillbecomeBB&TSafeDepositBoxatconversion.Your BB&T SafeDepositBox To learnmoreaboutcashmanagementservicesofferedbyBB&T,pleasecontactusat800-810-5625. management serviceswillbeprovidedunderseparatecover. services, disbursementservicesandinformationmanagementservices.Informationregardingthetransitionofyourcash payment risk.OurTreasuryServicesconsultantscanhelpyouchoosetherightsolutionsforyourbusiness,includingcollection BB&T offerscashmanagementservicesdesignedtohelpyoueffectivelyoptimizeyourcompany’sresourcesandmanage Cash ManagementServices Other Services be insuredatBB&T. deposits atthecombinedbanks,youmaycallFDICdirectly877-275-3342formoreinformationonhowyourfunds that areinthesameownershiprightsandcapacitywillbeinsuredupto$250,000.Ifyouhavemorethan$250,000total 10 information andaskthattheymakethenecessarychangesassoonpossibletopreventfuturewiresfrombeingreturned. account numberandrouting/transitnumber.BB&Trequeststhatyounotifytheappropriatepartiesofyournew routing/transit numbers.Asthesewiresarereceived,BB&TwillmailyouaWireNotificationofChange,providingthenew Beginning March23,2015,andforaperiodof30days,BB&TwillacceptwiresreceivedwiththeoldCitibankaccount n n

Receiving BankRouting:111017694 Receiving BankName:BB&T

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12/9/14 9:34 AM Fee Schedule Fee Schedule BB&T Business Debit Card n Debit Card Replacement Fee1...... $5.00 n ATM and Purchase International Service Assessment Fee...... 3% of transaction amount (Fee charged for ATM and Point Of Sale (POS) purchase transactions performed or processed outside the United States, Puerto Rico and U.S. Virgin Islands. International transactions include purchase, credit voucher, ATM transaction, and cash disbursement original and reversal transactions.) n International ATM Transaction Fee...... No Charge (Fee charged for ATM transactions outside the United States, Puerto Rico and U.S. Virgin Islands.) n BB&T ATM Transaction Fee...... No Charge n Non-BB&T ATM Transaction Fee...... No Charge n ATM mini statement (last 10 transactions or pending)...... $1.00 n ATM full statement (all transactions since last statement)...... $2.00 BB&T Phone24 n Automated and person-to-person inquiries...... No Charge Cash Processing n Currency, per $1,000 supplied...... $1.20 n Coin (per roll supplied)...... $0.14 n Coin Rolling (per roll)...... $0.05 Charged-Off Account Fee...... $30.00 Check, Deposit and Withdrawal Slip Orders...... Fee may vary (Based on account type and style selection) Check-Paid Rejects2 - per item...... $0.50 CPA Confirmation...... $20.00 Credit Inquiry by Third Party...... $20.00 Deposit Account Usage Fee3...... Variable Deposit Correction, per item...... $6.00 Early Account Closing Fee (within 90 days of opening)...... $25.00 Funds Transfer between BB&T Accounts n BB&T Small Business Online Transfer - Credit...... No Charge n BB&T Small Business Online Transfer - Debit...... No Charge n BB&T Online Transfer - Credit...... No Charge n BB&T Online Transfer - Debit...... No Charge n In-Branch Transfer - Credit...... $3.00 n In-Branch Transfer - Debit...... $3.00 n Phone24 Transfer - Non-Automated Credit...... $2.00 n Phone24 Transfer - Non-Automated Debit...... $2.00 n Phone24 Transfer - Automated Credit...... $1.00 n Phone24 Transfer - Automated Debit...... $1.00 Inactivity4 Fee...... No Charge International Services n Branch-Initiated Wire Transfer...... $65.00 n CashManager OnLine Wire Transfer...... $30.00 n Check Collection Tracer (per message)...... $20.00 n Corporate Call Wire Transfer...... $50.00 n Incoming Wire Transfer...... $18.00 n Foreign Currency Bank Note Buys/Sales...... $10.00 n Foreign Currency Drafts...... $30.00 n Foreign Currency Overnight Delivery...... $20.00 n Foreign Check Returned Item...... $30.00 (Plus any foreign bank fee) n Foreign Check Collection...... $75.00 (Plus any foreign bank fee) n US Dollars Checks Drawn on Canadian Banks...... $7.50 n US Dollars Checks Drawn on European Banks...... $35.00 n Wire/Draft Tracer/Amendment (per message)...... $20.00 n Wire/Draft Recall/Stop Payment (per message)...... $30.00 Legal Process...... up to $100.00 (Levy/Garnishment/Attachment/etc.) Money Order...... $5.00

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418558_V2.indd 13 12/9/14 9:34 AM Negative Account Balance Fee5...... $36.00 (Fee assessed to your checking or savings account on the seventh calendar day that your account is overdrawn.) Night Depository Service (per drop)...... $2.00 Non-Depositor Check Cashing Fee for non-BB&T Checks...... $8.00 Non-Depositor Check Cashing Fee for On Us (BB&T) Checks...... $8.00

Schedule (Applies only to checks cashed greater than $50.00)

Fee Official Check...... $10.00 Outgoing Collection Item...... $20.00 Overnight Delivery (per package)...... $10.00 Overdraft Protection n Automatic Overdraft Protection Transfer Fee (Limit of one fee per linked account, per day) – Business Value 500 Checking Clients...... No Charge – All Other Clients...... $12.50 Overdraft/Returned Item...... $36.00 Pre-Encoded Deposited Items n BB&T...... $0.12 n Other In-State Institution...... $0.12 n Out-of-State Institution...... $0.12 n Pre-Encoded Rejects...... $0.50 Research n Check photocopy, viewed or printed...... $5.00/copy (Check Safekeeping and Check Image clients receive their first three copies at no charge.) n Account Research...... $25.00/hour Returned Deposited Items n Returned Deposit / Cashed Item...... $12.00 – Re-deposited (Reclear)...... additional $5.00 – Return Item - Branch...... additional $5.00 (Branch of Deposit, Branch of Ownership, Branch Other) n Returned Deposited Item Special Handling Maintenance...... $10.00 per month Safe Deposit Boxes...... Varies (See a BB&T representative for current pricing and availability.) n Lost Key...... $25.00 n Drilling Cost...... $150.00 Self-Service Coin Machine (available in a limited number of financial centers) n BB&T Clients – Less than or equal to $25.00...... No charge – Greater than $25.00...... 5% of total amount n Non Clients – All amounts...... 10% of total amount Small Business Online Services n Basic Service – BB&T Small Business Online...... No Charge – Unlimited Online Bill Payment...... No Charge – Mobile Banking...... No Charge n Add Business Service – Multiple User Access...... $5.00/monthly – Payment Services - ACH & Wire...... $15.00/monthly – Multiple User Access with Payment Service...... $17.00/monthly – DirectConnect for QuickBooks...... $14.95/monthly – DirectConnect for Quicken...... $9.95/monthly n Transaction Fees – Stop Pay...... $34.00 – ACH Payment – Federal Tax...... $3.00 – Other ACH Payments – Direct Deposit Per Recipient...... $1.00 – Business-to-Business...... $1.00 – Business-to-Consumer...... $1.00 n ACH Payment - Return...... $3.00 n ACH Payment - Notification of Change...... $2.00 n Domestic Wire Transfer...... $15.00 n International Wire Transfer...... $30.00 n Returned Domestic Wire Transfer...... $8.00

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418558_V2.indd 14 12/9/14 9:34 AM n Returned International Wire Transfer...... $18.00 Fee

n Book Transfer Fee...... $12.00 Schedule Statement Services n Deposit Statements – Duplicate Statement Fee...... $5.00 per monthly statement cycle (An additional current statement that is mailed to an alternate address) – Statement Copy...... $7.00 + account research fees may apply (An additional copy of a statement after receiving the original) – Hold Statement at Bank...... $5.00 per monthly statement cycle – Interim Statement...... $25.00 (A statement that is produced on a day other than the normal statement cycle cut date (next regular statement will only include the activity since the interim statement cut)) – Snapshot Statement...... $5.00 (A statement that is produced on a day other than the normal statement cycle cut date (next regular statement will include all activity beginning with the last regular statement cycle cut date up to the current statement cut date)) n Account Analysis Statement – Upon Request...... No Charge – Duplicate Copy...... $5.00 per monthly statement cycle (A statement that is mailed to an alternate address) – Account Analysis Invoice...... $10.00 per monthly statement cycle (Billed Clients) Statement Delivery and Check Options n Online Statements...... No Charge n Check Safekeeping...... No Charge (Paid checks are not included in the statement.) n Check Images with Statement...... $3.00 per monthly statement cycle (Front and back images of paid checks are included in the statement.) n Check Returns with Statement (Check return is a substitute check – a digital reproduction of an original check. It constitutes a legal check in lieu of the original check. Front and back of a check are presented.) – Fee per monthly statement cycle...... $5.00 – Additional fee per enclosed check...... $0.06 (Fee is waived for Business Value 200, Basic Public Fund, Business Value 500, Business Interest, Public Fund Interest, Community Checking, Business MRS, Public Fund MRS, Business Managed MRS, BIDA and IOLTA accounts.) Stop Payment Order...... $34.00 Uncollected Funds Charge6...... Prime Rate + 4.0% Wire Transfer Services n CashManager OnLine Repetitive Wire Transfer...... $10.00 n CashManager OnLine Non-Repetitive Wire Transfer...... $11.00 n Corporate Call Wire Transfer...... $17.00 n Branch-Initiated Wire Transfer...... $60.00 n Incoming Wire Transfer...... $14.00 n Standing Order Outgoing Wire...... $10.00 n Wire Repair...... $10.00 n Wire Advice Phone...... $10.00 n Wire Advice Fax...... $5.00 n Wire Advice U.S. Mail...... $4.00 n Wire Advice Email...... $3.00

1Fee applies to cards replaced due to being lost, stolen, damaged, personalized card request and other circumstances. If card replacement is related to a valid dispute, the fee will be refunded. 2Fee applies only to Business Analyzed Checking and Public Fund Analyzed Checking accounts. A Check-Paid Reject is defined as an illegible item rejected by BB&T’s items processing equipment. 3The Deposit Account Usage Fee includes various expenses incurred by the Bank for servicing accounts. This fee applies only to Business Analyzed Checking, Public Fund Analyzed Checking, Earnings2 Checking, Earnings2 Checking – Public Funds, Collateral Reserve Checking, and other checking accounts with ECR. The fee is assessed monthly and disclosed on your periodic statement or client analysis statement. It is calculated per $1,000 of the average monthly balances in the account. 4Inactivity is defined as having no deposits (excluding interest) or withdrawals for 12 consecutive months in your checking account and 24 consecutive months for money market savings accounts. Applies only to clients with balances less than $1,000. Preauthorized debits or drafts from the account are not considered to be activity. Electronic credits including, but not limited to, ACH credits, direct deposits and incoming wire transfers are not considered to be activity. 5Applies only to Business Value 500 Checking, Business Value 200 Checking, Business Interest Checking, Basic Public Fund Checking and Community Checking accounts. The charge is variable and subject to change at any time without notice. 6Fee applies only to Business Analyzed Checking, Public Fund Analyzed Checking, Public Fund Interest Checking, Collateral Reserve Checking, Intercompany Checking, Intercompany Interest Checking, Public Special Money Rate Checking, Commercial Interest Checking, Earnings2 Checking, Earnings2 Checking – Public Funds, Business Money Rate Savings, Pubic Fund Money Rate Savings and Business Investor’s Deposit Account. For other fees, please contact your BB&T Relationship Manager or local BB&T financial center. Equal Housing Lender. © 2015, Branch Banking and Trust Company. Member FDIC.

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418558_V2.indd 15 12/11/14 2:53 PM BBT.com Equal Housing Lender. Member FDIC. Only deposit products are FDIC insured. C

BANKING INSURANCE INVESTMENTS

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