Everyone Benefits. How Can Benefit You and Your Business: What We Provide To You:

Everyone Benefi ts.

For more than 140 years, BB&T has built a reputation for strength and stability through our commitment to our clients’ success. This

commitment includes serving as a true fi nancial partner, providing the highest level of professional service to every client we serve.

We extend that same level of attention to you and your employees through BB&T@Work, an exclusive and comprehensive package of

traditional and nontraditional banking, loan and insurance services.

How BB&T@Work Can Benefi t You and

Your Business:

•

Enhances your employee benefi t offerings, which can help

increase current employee satisfaction and retention, and

also help attract new employees

•

Reduces administrative costs by encouraging your employees

to choose direct deposit

•

Allows you, the business owner, to take advantage of

competitive pricing offers on business loans and lines of credit

•

Provides access to BB&T Executive Services (retirement planning,

investment counseling

_{, and other elite banking services)}

For more information about BB&T@Work, contact your fi nancial representative today.

What We Provide To You:

•

On-site employee presentations to cover all BB&T@Work

information with your employees

•

On-site fi nancial well-being seminars for your employees

•

Custom links to the BB&T@Work account-opening web

page from your company’s website

At BB&T, we understand you want the best for your employees. When you give them the best, they reward

you with their loyalty. And that benefi ts everyone.

YOUR EMPLOYEES WILL RECEIVE SPECIAL BENEFITS WHEN THEY OPEN

AND MAINTAIN A BB&T@WORK CHECKING ACCOUNT, INCLUDING:

•

Monthly maintenance fee waived when qualifi er is met on a BB&T@Work checking account

•

Interest rate discounts on home equity products and auto loans

•

A $300 discount on a new BB&T mortgage loan

•

BB&T Debit Card with Cash Rewards

•

Ability to bank anywhere with no-fee Mobile Banking and Account Alerts

•

First order of any style checks at no charge

•

Access to comprehensive, in-depth personal fi nancial planning

•

Access to retirement and investment information including 401(k) roll-over

•

Competitive quotes on auto and home insurance coverage

Your employees can open their new BB&T checking and savings accounts online through BBT.com/atwork.

NEW OPPORTUNITIES ARE WAITING. EMPLOYEES CAN OPEN THEIR

BB&T@WORK ACCOUNT IN LESS THAN 10 MINUTES, AS WELL AS:

•

Order their BB&T debit card and personal checks

•

Register for BB&T OnLine®Banking with unlimited bill payment

•

Sign up for online statements

•

Transfer money online from another bank account

•

Open a BB&T Regular Savings account

For added convenience, link to BB&T@Work Online Account Opening from your company’s website.

Branch Banking and Trust Company, Member FDIC and an Equal Housing Lender.

Only deposit products are FDIC insured.

1 Monthly maintenance fee waived when you have combined ACH Direct Deposits totaling $500 or more per statement cycle for BB&T@Work Checking or ACH Direct Deposits

totaling $2,000 or more per statement cycle for BB&T Elite@Work Checking. In addition to direct deposit, other options for avoiding monthly fees are available. Visit your local

fi nancial center or speak with a BB&T representative for details.

2 Loans and lines of credit are subject to credit approval.

3 Lender fee discount applied toward lender fees and is credited at closing. Offer may not be combined with any other mortgage offer.

4 Your mobile carrier’s text messaging and web access charges may apply.

5 A monthly maintenance fee applies. Qualifi ers are available to avoid the fee. See your Personal Services Pricing Guide for details.

6 Investment solutions are provided by Branch Banking and Trust Company, BB&T Investment Services, Inc., and BB&T Scott & Stringfellow. BB&T Investment Services, Inc., is

a wholly owned broker-dealer subsidiary of Branch Banking and Trust Company, Member FINRA/SIPC. BB&T Scott & Stringfellow is a division of BB&T Securities, LLC, Member

FINRA/SIPC and wholly owned nonbank subsidiary of BB&T Corporation.

7 Insurance products are offered through BB&T Insurance Services, Inc., a subsidiary of BB&T Insurance Holdings, Inc.

Securities and insurance products or annuities sold, offered or recommended are:

© 2014, Branch Banking and Trust Company. All rights reserved.

NOT FDIC INSURED

NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY MAY GO DOWN IN VALUE NOT GUARANTEED BY A BANK

Switching to BB&T is easy with this limited-time promotion.

Pick your offer!

*

Choose one of the following:



Free chip card and Apple Pay enabled terminal

_{to prepare for the upcoming fraud liability shift}

(Valued at $449)



$250 activation credit



Up to $250 towards your current provider termination fee

In Addition:



BB&T will match or beat

_{your current card processing}

_OR



BB&T will give you $250

* _{Clients who open or already have a BB&T business checking account will receive one offer per relationship. Offer does not apply to existing BB&T Merchant Services clients. Must provide two previous months’ merchant}

statements to validate at least $100,000 in annual Visa, MasterCard and/or Discover card transactions. Statements must be dated within 2015. Three-year contract term required. Client initials must be marked above on appropriate promotion. Please review account set-up and early termination fees with your BB&T Merchant Services representative. Offer ends Sept. 30, 2015.

1 _{Free credit card terminal not applicable to wireless or Bluetooth terminals.}

2 _{A $250 statement credit will be applied to the monthly billing statement following the month of activation. Must activate account by processing a batch of $50 or more in Visa, MasterCard or Discover transactions within 60}

days of opening merchant account.

3 _{A statement credit for the termination fee paid up to $250 will be applied within one month of receiving a copy of an invoice paid or account statement where your termination fee was paid.}

4 _{Offer valid for face-to-face, no advance payments, non-franchise clients who do less than $1 million in annual Visa, MasterCard, Discover, and/or American Express OptBlue card transactions. BB&T will match or beat}

effective rate (total fees divided by total sales) or will deposit $250 into your checking account within 30 days from pricing. Apple Pay™ is a service of Apple Inc. Terms and conditions may apply.

Google Wallet is a service of Google. Terms and conditions may apply.

BB&T, Member FDIC. Merchant Services are subject to business type and credit approval.

© 2015, Branch Banking and Trust Company. All rights reserved. POD_3570064_Rev. 6-15-15

For more information, contact:

Patti Walker, VP/Community Banking

256-551-4725

That’s a Total of

$400

for You – and

$100

for Each Fellow Small Business!

From now through September 30, 2015, refer fellow small businesses to open a business

checking account with us and we’ll pay each of you cash bonuses. You can earn $100 each

for up to four small businesses that establish their business checking account

*

_{with us.}

Small Business

Referrals Pay Big.

Referred by:

Owner Full Name:

__________________________________________________________

Company Name: ____________________________________________________________

_

Bring this card in when you open a business

checking account, and you and the small business

who referred you will each

receive a $100 bonus.

See reverse for detail.

Branch Banking and Trust Company, Member FDIC.

© 2015, Branch Banking and Trust Company. All rights reserved.

Referred by:

Owner Full Name:

__________________________________________________________

Company Name: ____________________________________________________________

_

Bring this card in when you open a business

checking account, and you and the small business

who referred you will each

receive a $100 bonus.

See reverse for detail.

Branch Banking and Trust Company, Member FDIC.

© 2015, Branch Banking and Trust Company. All rights reserved.

Referred by:

Owner Full Name:

__________________________________________________________

Company Name: ____________________________________________________________

_

Bring this card in when you open a business

checking account, and you and the small business

who referred you will each

receive a $100 bonus.

See reverse for detail.

Branch Banking and Trust Company, Member FDIC.

© 2015, Branch Banking and Trust Company. All rights reserved.

Referred by:

Owner Full Name:

__________________________________________________________

Company Name: ____________________________________________________________

_

Bring this card in when you open a business

checking account, and you and the small business

who referred you will each

receive a $100 bonus.

See reverse for detail.

Branch Banking and Trust Company, Member FDIC.

*This offer applies to clients that open a new business checking account at a participating BB&T financial center between July 1, 2015 and September 30, 2015. The new business checking account must be the first

checking account in the household to be eligible for the offer. Business checking accounts opened through BBT.com or BB&T Phone24, savings accounts and personal checking accounts are not eligible. Referred

individuals must present and submit the included referral form at account opening. By using this coupon to refer a business owner, each party may be aware that the other is a client of BB&T. All measures to protect

client-sensitive information and confidentiality apply. In addition, each party understands that failure to receive an account bonus means that a referred account did not meet the offer criteria outlined below and does

not imply that an account application was denied.

Referring Client Incentive: Up to a maximum of four (4) $100 incentives (for a total of $400) is available to a referring client for each referred business that meets the qualifiers required for this offer by September 30, 2015.

Existing clients must have a BB&T business checking account in good standing with a balance greater than or equal to $100 60 days after the referred account qualifies for the incentive. Accounts are only reviewed once.

Referred Client Incentive: A $100 incentive will be paid to a referred client who meets the requirements of this offer. Offer is available for new business checking accounts opened by September 30, 2015, when a referral

coupon is submitted at account opening. The client’s account must be in good standing with a balance greater than or equal to $100 60 days from account opening to be eligible. Accounts are only reviewed once. Normal

account opening balances apply. All referral and account opening bonuses will be credited to eligible accounts via Direct Deposit within 120 days from account opening and reported to the IRS as required by law. This

offer cannot be combined with any other offer or promotion. Some BB&T business checking options accrue interest. For example, a Business Interest Checking account earns 0.00% Annual Percentage Yield (APY) in North

Carolina on balances of $0-$999, 0.01% APY on balances of $1,000-$24,999, 0.01% APY on balances of $25,000-$49,999, 0.01% APY on balances of $50,000-$99,999, 0.01% APY on balances of $100,000-$499,999,

and 0.01% APY on balances of $500,000+ and is subject to change. Rates are accurate as of 6/1/2015. In addition to all qualifiers listed above, Non-Resident Alien clients must also submit a valid Form W-8, NRA

Certification Statement and a copy of their passport to BB&T by the time the account is reviewed for incentive eligibility as described above.

Branch Banking and Trust Company, Member FDIC.

© 2015, Branch Banking and Trust Company. All rights reserved.

00781Rev. 5-1-15

*This offer applies to clients that open a new business checking account at a participating BB&T financial center between July 1, 2015 and September 30, 2015. The new business checking account must be the first checking account in the household to be eligible for the offer. Business checking accounts opened through BBT.com or BB&T Phone24, savings accounts and personal checking accounts are not eligible. Referred individuals must present and submit the included referral form at account opening. By using this coupon to refer a business owner, each party may be aware that the other is a client of BB&T. All measures to protect client-sensitive information and confidentiality apply. In addition, each party understands that failure to receive an account bonus means that a referred account did not meet the offer criteria outlined below and does not imply that an account application was denied.

Referring Client Incentive: Up to a maximum of four (4) $100 incentives (for a total of $400) is available to a referring client for each referred business that meets the qualifiers required for this offer by September 30, 2015. Existing clients must have a BB&T business checking account in good standing with a balance greater than or equal to $100 60 days after the referred account qualifies for the incentive. Accounts are only reviewed once.

Referred Client Incentive: A $100 incentive will be paid to a referred client who meets the requirements of this offer. Offer is available for new business checking accounts opened by September 30, 2015, when a referral coupon is submitted at account opening. The client’s account must be in good standing with a balance greater than or equal to $100 60 days from account opening to be eligible. Accounts are only reviewed once. Normal account opening balances apply. All referral and account opening bonuses will be credited to eligible accounts via Direct Deposit within 120 days from account opening and reported to the IRS as required by law. This offer cannot be combined with any other offer or promotion. Some BB&T business checking options accrue interest. For example, a Business Interest Checking account earns 0.00% Annual Percentage Yield (APY) in North Carolina on balances of $0-$999, 0.01% APY on balances of $1,000-$24,999, 0.01% APY on balances of $25,000-$49,999, 0.01% APY on balances of $50,000-$99,999, 0.01% APY on balances of $100,000-$499,999, and 0.01% APY on balances of $500,000+ and is subject to change. Rates are accurate as of 6/1/2015. In addition to all qualifiers listed above, Non-Resident Alien clients must also submit a valid Form W-8, NRA Certification Statement and a copy of their passport to BB&T by the time the account is reviewed for incentive eligibility as described above.

*This offer applies to clients that open a new business checking account at a participating BB&T financial center between July 1, 2015 and September 30, 2015. The new business checking account must be the first checking account in the household to be eligible for the offer. Business checking accounts opened through BBT.com or BB&T Phone24, savings accounts and personal checking accounts are not eligible. Referred individuals must present and submit the included referral form at account opening. By using this coupon to refer a business owner, each party may be aware that the other is a client of BB&T. All measures to protect client-sensitive information and confidentiality apply. In addition, each party understands that failure to receive an account bonus means that a referred account did not meet the offer criteria outlined below and does not imply that an account application was denied.

Referring Client Incentive: Up to a maximum of four (4) $100 incentives (for a total of $400) is available to a referring client for each referred business that meets the qualifiers required for this offer by September 30, 2015. Existing clients must have a BB&T business checking account in good standing with a balance greater than or equal to $100 60 days after the referred account qualifies for the incentive. Accounts are only reviewed once.

Referred Client Incentive: A $100 incentive will be paid to a referred client who meets the requirements of this offer. Offer is available for new business checking accounts opened by September 30, 2015, when a referral coupon is submitted at account opening. The client’s account must be in good standing with a balance greater than or equal to $100 60 days from account opening to be eligible. Accounts are only reviewed once. Normal account opening balances apply. All referral and account opening bonuses will be credited to eligible accounts via Direct Deposit within 120 days from account opening and reported to the IRS as required by law. This offer cannot be combined with any other offer or promotion. Some BB&T business checking options accrue interest. For example, a Business Interest Checking account earns 0.00% Annual Percentage Yield (APY) in North Carolina on balances of $0-$999, 0.01% APY on balances of $1,000-$24,999, 0.01% APY on balances of $25,000-$49,999, 0.01% APY on balances of $50,000-$99,999, 0.01% APY on balances of $100,000-$499,999, and 0.01% APY on balances of $500,000+ and is subject to change. Rates are accurate as of 6/1/2015. In addition to all qualifiers listed above, Non-Resident Alien clients must also submit a valid Form W-8, NRA Certification Statement and a copy of their passport to BB&T by the time the account is reviewed for incentive eligibility as described above.

*This offer applies to clients that open a new business checking account at a participating BB&T financial center between July 1, 2015 and September 30, 2015. The new business checking account must be the first checking account in the household to be eligible for the offer. Business checking accounts opened through BBT.com or BB&T Phone24, savings accounts and personal checking accounts are not eligible. Referred individuals must present and submit the included referral form at account opening. By using this coupon to refer a business owner, each party may be aware that the other is a client of BB&T. All measures to protect client-sensitive information and confidentiality apply. In addition, each party understands that failure to receive an account bonus means that a referred account did not meet the offer criteria outlined below and does not imply that an account application was denied.

Referring Client Incentive: Up to a maximum of four (4) $100 incentives (for a total of $400) is available to a referring client for each referred business that meets the qualifiers required for this offer by September 30, 2015. Existing clients must have a BB&T business checking account in good standing with a balance greater than or equal to $100 60 days after the referred account qualifies for the incentive. Accounts are only reviewed once.

Referred Client Incentive: A $100 incentive will be paid to a referred client who meets the requirements of this offer. Offer is available for new business checking accounts opened by September 30, 2015, when a referral coupon is submitted at account opening. The client’s account must be in good standing with a balance greater than or equal to $100 60 days from account opening to be eligible. Accounts are only reviewed once. Normal account opening balances apply. All referral and account opening bonuses will be credited to eligible accounts via Direct Deposit within 120 days from account opening and reported to the IRS as required by law. This offer cannot be combined with any other offer or promotion. Some BB&T business checking options accrue interest. For example, a Business Interest Checking account earns 0.00% Annual Percentage Yield (APY) in North Carolina on balances of $0-$999, 0.01% APY on balances of $1,000-$24,999, 0.01% APY on balances of $25,000-$49,999, 0.01% APY on balances of $50,000-$99,999, 0.01% APY on balances of $100,000-$499,999, and 0.01% APY on balances of $500,000+ and is subject to change. Rates are accurate as of 6/1/2015. In addition to all qualifiers listed above, Non-Resident Alien clients must also submit a valid Form W-8, NRA Certification Statement and a copy of their passport to BB&T by the time the account is reviewed for incentive eligibility as described above.

*This offer applies to clients that open a new business checking account at a participating BB&T financial center between July 1, 2015 and September 30, 2015. The new business checking account must be the first checking account in the household to be eligible for the offer. Business checking accounts opened through BBT.com or BB&T Phone24, savings accounts and personal checking accounts are not eligible. Referred individuals must present and submit the included referral form at account opening. By using this coupon to refer a business owner, each party may be aware that the other is a client of BB&T. All measures to protect client-sensitive information and confidentiality apply. In addition, each party understands that failure to receive an account bonus means that a referred account did not meet the offer criteria outlined below and does not imply that an account application was denied.

Referring Client Incentive: Up to a maximum of four (4) $100 incentives (for a total of $400) is available to a referring client for each referred business that meets the qualifiers required for this offer by September 30, 2015. Existing clients must have a BB&T business checking account in good standing with a balance greater than or equal to $100 60 days after the referred account qualifies for the incentive. Accounts are only reviewed once.

Referred Client Incentive: A $100 incentive will be paid to a referred client who meets the requirements of this offer. Offer is available for new business checking accounts opened by September 30, 2015, when a referral coupon is submitted at account opening. The client’s account must be in good standing with a balance greater than or equal to $100 60 days from account opening to be eligible. Accounts are only reviewed once. Normal account opening balances apply. All referral and account opening bonuses will be credited to eligible accounts via Direct Deposit within 120 days from account opening and reported to the IRS as required by law. This offer cannot be combined with any other offer or promotion. Some BB&T business checking options accrue interest. For example, a Business Interest Checking account earns 0.00% Annual Percentage Yield (APY) in North Carolina on balances of $0-$999, 0.01% APY on balances of $1,000-$24,999, 0.01% APY on balances of $25,000-$49,999, 0.01% APY on balances of $50,000-$99,999, 0.01% APY on balances of $100,000-$499,999, and 0.01% APY on balances of $500,000+ and is subject to change. Rates are accurate as of 6/1/2015. In addition to all qualifiers listed above, Non-Resident Alien clients must also submit a valid Form W-8, NRA Certification Statement and a copy of their passport to BB&T by the time the account is reviewed for incentive eligibility as described above.