Business Services - BB&T Bank | Personal Banking, · Business Services Product and Pricing Guide BANKING INSURANCE INVESTMENTS Effective June 22, 2015 Please note: The pricing in

Business ServicesProduct and Pricing Guide

B A N K I N G I N S U R A N C E I N V E S T M E N T S

Effective June 22, 2015

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

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Table of Contents

Account Name Change Chart ..................................................................................1

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

Savings SolutionsMoney Market Deposit Standard Benefits .................................................................5Business Money Rate Savings .................................................................................6Business Investor’s Deposit Account ........................................................................6Public Fund Money Rate Savings ............................................................................6Certificates of Deposit (Business and Public Fund) ...................................................6

Borrowing SolutionsBB&T Business Loans ...........................................................................................7BB&T Business Credit Cards .................................................................................7

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

Important InformationBB&T Overdrafts ....................................................................................................8BB&T Overdraft Review ..........................................................................................9Overdraft Protection ...............................................................................................9Payment of Items ...................................................................................................9Funds Availability ...................................................................................................9Monthly Statements ...............................................................................................9Online Statements ..................................................................................................9Image Statements .................................................................................................. 10Checks ................................................................................................................10FDIC Insurance ....................................................................................................10

Other ServicesCash Management Services .................................................................................... 10BB&T Safe Deposit Box .......................................................................................... 10Direct Deposits/Automatic Drafts ............................................................................. 10Wire Transfers ........................................................................................................ 10

Fee Schedule .......................................................................................................11

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Account Name Change ChartYour new BB&T account name has been determined based on the specific terms and conditions of your Bank of Kentucky account. If 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 Bank of Kentucky Account: New BB&T Account: Business Express Business Value 200 Checking

Business Linked Checking Business Value 500 Checking

Business Analysis Business Analyzed Checking Business Express Overnight Sweep Repo Investment Sweep

Business Analysis Public Fund Analyzed Checking

Business Express Basic Public Fund Checking Business Linked Checking

Business Express Community Checking

Business Express Interest Business Interest Checking

Public Super NOW Commercial Interest Checking Business Special Investment Sweep

Public Super NOW Community Interest Checking

Business Special (IOLTA) IOLTA Checking Business Special (Ohio IOTA/IOLTA)

Business Special Public Special Money Rate Checking Public Super NOW

Money Market Plus Business Business Investor’s Deposit Account Business Money Market Deposit Account Business Elite Hometown Savings

Money Market Plus Business Public Fund Money Rate Savings Business Money Market Deposit Account Premium Savings Hometown Savings

Business Money Market Deposit Account Business Money Rate Savings Business Elite Premium Savings Hometown Savings

Other Accounts Business Certificate of Deposit Certificate of Deposit

Public Fund Certificate of Deposit Public Fund Certificate of Deposit

Commercial Loan BB&T Loan

Visa® Business Credit Card BB&T Visa® Business Credit Card

Safe Deposit Box BB&T Safe Deposit Box

Online Banking BB&T Small Business Online

Account Name Change Chart

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Checking SolutionsBB&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 Benefitsn BB&T Small Business Online with 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

1 Fees from your mobile or data carrier may apply.2 BB&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

1 Subject to credit approval and business type. Member FDIC.2 BB&T Business Rewards is available only to BB&T Visa Business Credit Card clients with an aggregate company credit line of less than $100,000.3 BB&T Merchant Services are subject to business type and credit approval.

Business Value 200 CheckingBusiness 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 you these features:

n 200 free combined items1 per month n Up to $10,000 cash processing per month freen Waived maintenance fee on a 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 ........................................................................ $12.00n For each combined item1 over 200 per month ............................................. $0.50n Fee for cash deposited in excess of $10,000 per month ............ $1.80 per $1,000

Avoid the $12.00 monthly maintenance fee with any of the following:n $1,500 average monthly balance ORn $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 loans,3,5 lines of credit4,5 and credit cards5 OR

n A qualifying transaction from a BB&T Merchant Services account6

The letter mailed with this Guide may contain additional pricing information about this account. 1 Combined 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.3 Personal 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.

4 Personal lines of credit include Preferred Lines and Home Equity Lines.5 Loans, lines of credit and credit cards are subject to credit approval.6 Subject to business type and credit approval. A BB&T Merchant Services qualifying transaction is a payment card settlement (e.g. Visa®, MasterCard®, American Express® 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 CheckingBusiness 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 freen Waived maintenance fee on an Elite Gold personal account for one business client6

n Discount on first order of checksn No automatic overdraft protection transfer fee

Business Value 500 Checking Pricing Information:n Monthly maintenance fee ........................................................................ $25.00n For each combined item1 over 500 per month ............................................. $0.50n Fee for cash deposited in excess of $20,000 per month ............ $1.80 per $1,000

Avoid the $25.00 monthly maintenance fee with any of the following:n $5,000 minimum daily balance ORn $15,000 average monthly balance ORn $50,000 combined average monthly balances in checking accounts (business/public fund/personal2), Money Rate

Savings accounts (business/managed/public fund/personal2), business CDs and/or outstanding balances on both business and/or personal loans,3,5 lines of credit4,5 and credit cards5 OR

n $50,000 average monthly balance in a Business Investor’s Deposit Account

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Checking Solutions

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The letter mailed with this Guide may contain additional pricing information about this account.1 Combined items represent checks paid, debit and credit memos, deposit tickets, checks deposited, online bill payments, electronic debits and credits, including debit card transactions.

2 Personal accounts of business owners only.3 Personal 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.

4 Personal lines of credit include Preferred Lines and Home Equity Lines.5 Loans, lines of credit and credit cards are subject to credit approval.6 Service fees apply. A monthly maintenance fee applies if the Business Value 500 Checking account is closed.

Business Analyzed CheckingBusiness Analyzed Checking is a smart solution for all types of businesses and organizations with moderate-to-high levels of account activity and/or cash management needs. You’ll enjoy an earnings credit allowance based on positive collected balances that can help you reduce or eliminate service charges. Standard business checking benefits apply (see page 2), plus many extras including:

n No balance requirementsn Unlimited check writing privilegesn An earnings credit that is calculated by applying the earnings credit rate to the average positive collected balance to

potentially offset service fees. The earnings credit rate is determined by BB&T and is subject to change at BB&T’s discretion.n The ability to group multiple Business Analyzed Checking accounts, which allows a consolidated analysis of balances and

services that can lower or offset your overall service costsn Your choice of BB&T CashManager OnLine® for more sophisticated electronic banking needs, or BB&T Small Business

Online with unlimited bill paymentn Wide variety of cash management services to help optimize cash flow for your business such as Account Reconciliation,

BB&T OnSite Deposit®, ACH preauthorized draft services, wires, lockbox services, vault and check imaging CD-ROM1

Business Analyzed Checking Pricing Information:n Monthly maintenance fee ........................................................................ $20.00n Credits

n Credits posted........................................................................................ $0.75 (This refers to any credits, including paper and electronic credits)

n Deposited items - per item ...................................................................... $0.14n Debits n Check paid - per item ............................................................................. $0.20 n Other debits - per item ........................................................................... $0.20n Coin and currency - per $1,000 deposited .................................................. $1.80

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.

Public Fund Analyzed CheckingPublic Fund Analyzed Checking is designed to meet the needs of state or federal government agencies, local municipalities and public agencies with high cash management activity. You’ll enjoy an earnings credit allowance based on positive collected balances that can help you reduce or eliminate service charges. Standard business checking benefits apply (see page 2), plus many extras including:

n No balance requirementsn Unlimited check writing privilegesn An earnings credit that is calculated by applying the earnings credit rate to the average positive collected balance to

potentially offset service fees. The earnings credit rate is determined by BB&T and is subject to change at BB&T’s discretion.n The ability to group multiple Pubic Fund Analyzed Checking accounts, which allows a consolidated analysis of balances

and services that can lower or offset your overall service costsn Your choice of BB&T CashManager OnLine® for more sophisticated electronic banking needs, or BB&T Small Business Online

with unlimited bill paymentn Wide variety of cash management services to help optimize cash flow for your business such as Account Reconciliation,

BB&T OnSite Deposit®, ACH preauthorized draft services, wires, lockbox services, vault and check imaging CD-ROM1

Public Fund Analyzed Checking Pricing Information:n Monthly maintenance fee ........................................................................ $20.00n Credits



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.

Basic Public Fund CheckingBasic Public Fund Checking is ideal for small public entities, including state or federal government agencies, local municipalities and public agencies with low monthly check transactions and deposits. In addition to our standard benefits (see page 2), you’ll enjoy:

n 200 free combined items1 per monthn Up to $10,000 cash processing per month free

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n Next-business-day funding with card processing

Basic Public Fund Checking Pricing Information:n Monthly maintenance fee ........................................................................ $12.00n For each combined item1 over 200 per month ............................................. $0.50n Fee for cash deposited in excess of $10,000 per month ............ $1.80 per $1,000

Avoid the $12.00 monthly maintenance fee with any of the following:n $1,500 average monthly balance ORn $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 loans,3,5 lines of credit4,5 and credit cards5 OR

n A qualifying transaction from a BB&T Merchant Services account6 The letter mailed with this Guide may contain additional pricing information about this account.1 Combined items represent checks paid, debit and credit memos, deposit tickets, checks deposited, online bill payments, electronic debits and credits, including debit card transactions.

2 Personal accounts of business owners only.3 Personal 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.

4 Personal lines of credit include Preferred Lines and Home Equity Lines.5 Loans, lines of credit and credit cards are subject to credit approval.6 Subject to business type and credit approval. A BB&T Merchant Services qualifying transaction is a payment card settlement (e.g. Visa®, MasterCard®, American Express® or Discover®) from a BB&T Merchant account deposited to a linked BB&T checking account at least once during the monthly statement cycle.

Community CheckingCommunity Checking is designed to meet the needs of small civic and nonprofit organizations with low monthly checking activity. In addition to the standard business checking benefits (see page 2), you can take advantage of:

n No balance requirements n No monthly maintenance feen 225 free combined items1 per month n No cash processing feen No coin roll or currency sales fee

Community Checking Pricing Information:n For each combined item1 over 225 per month…………….………………………...$0.35

The letter mailed with this Guide may contain additional pricing information about this account.1 Combined items represent checks paid, debit and credit memos, deposit tickets, checks deposited, online bill payments, electronic debits and credits, including debit card transactions.

Business Interest CheckingBusiness 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 business checking benefits (see page 2) as well as:

n 150 free combined items1 per monthn Up to $5,000 cash processing per month free

Business Interest Checking Pricing Information:n Monthly maintenance fee ........................................................................ $15.00n For each combined item1 over 150 per month ............................................. $0.50n Fee for cash deposited in excess of $5,000 per month .............. $1.80 per $1,000

Avoid the $15.00 monthly maintenance fee by maintaining a $6,000 average monthly balance.The letter mailed with this Guide may contain additional pricing information about this account.1 Combined items represent checks paid, debit and credit memos, deposit tickets, checks deposited, online bill payments, electronic debits and credits, including debit card transactions.

Commercial Interest CheckingCommercial Interest Checking is designed for medium to large businesses and nonprofit 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 No balance requirementsn Unlimited check writing privileges n BB&T payment solutions that help you manage your payables and receivablesn Your choice of BB&T CashManager OnLine® for more sophisticated electronic banking needs, or BB&T Small Business


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 ........................................................................ $20.00n Credits



The letter mailed with this Guide may contain additional pricing information about this account.

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Community Interest Checking (for Bank of Kentucky converted accounts only)Community Interest Checking is designed to meet the needs of small civic and nonprofit organizations looking to invest temporary excess funds, maintain a liquid reserve and generate income. In addition to our standard benefits (see page 2), Community Interest Checking offers you these features:

n 225 free combined items1 per month n Tiered interest rates based on balances

Community Interest Checking Pricing Information:n Monthly maintenance fee .......................................................................... $9.00n For each combined item1 over 225 per month ............................................. $0.35

Avoid the $9.00 monthly maintenance fee by maintaining a $1,000 minimum daily balance.The letter mailed with this Guide may contain additional pricing information about this account.

Public Special Money Rate CheckingPublic 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. Features include the standard benefits package (see page 2), as well as:

n No balance requirements n Unlimited check writing privilegesn BB&T payment solutions that help you manage your payables and receivablesn Your choice of BB&T CashManager OnLine® for more sophisticated electronic banking needs, or BB&T Small Business


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 ........................................................................ $20.00n Credits




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 service charges debited from the account n Interest on gross amount funds remitted directly to the Kentucky or Ohio Bar Foundationn A monthly deposit account statement showing daily balance and detailed transaction information

IOLTA Checking Pricing Information:n Monthly maintenance fee .....................................................................No chargen Credits

n Credits posted...................................................................................No charge (This refers to any credits, including paper and electronic credits)

n Deposited items - per item .................................................................No chargen Debits n Check paid - per item ........................................................................No charge n Other debits - per item ......................................................................No chargen Coin and currency - per $1,000 deposited .............................................No chargen This account is subject to rates governing attorney trust accounts in the state whose laws govern this account. These

rules cover payment of interest, reporting of information to third parties (OD, NSF, etc.).

Savings SolutionsBB&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 Benefitsn Compounded interest earned 365 days per year on collected balances pays at statement cycle n Convenience of check writingn 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

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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.

1 Per Regulation, Money Market and Investment accounts are ONLY permitted to have 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 draft, debit card, pre-authorized or automatic transfer, telephonic transfer, online banking or similar order. Your account is subject to conversion to a checking 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 SavingsBusiness 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 .......................................................................... $10.00n No fee for deposits and other creditsn No fee for the first 20 deposited items per statement cyclen Fee for deposited items over 20 ....................................................................$0.39n Check paid and other debit…(See money market transfer/withdrawal information under Standard Benefits)n Coin and currency deposited – $5,000 or less .........................................No chargen Coin and currency deposited – greater than $5,000 (per $1,000) ...................$1.80n 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 ORn $500 average monthly balance OR n One recurring preauthorized deposit or incoming transfer of at least $100 per monthly statement cycle


Business Investor’s Deposit AccountThe Business Investor’s Deposit Account is ideal for businesses and organizations with higher savings balances. Business Investor’s Deposit Account Pricing Information:

n Monthly maintenance fee .......................................................................... $15.00n No fee for deposits and other creditsn No fee for the first 10 deposited items per statement cyclen Fee for deposited items over 10 ....................................................................$0.39n Check paid and other debit … (See money market transfer/withdrawal information under Standard Benefits)n Coin and currency deposited – $5,000 or less .........................................No chargen Coin and currency deposited – greater than $5,000 (per $1,000) ...................$1.80n An excessive withdrawal fee of $15 will apply if there are more than six (6) preauthorized, automatic, computer or


Avoid the $15.00 monthly maintenance fee by maintaining a $10,000 minimum daily balance.The letter mailed with this Guide may contain additional pricing information about this account.

Public Fund Money Rate SavingsPublic 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.

Public Fund Money Rate Savings Pricing Information:n Monthly maintenance fee ........................................................................ $10.00n No fee for deposits and other creditsn No fee for the first 20 deposited items per statement cyclen Fee for deposited items over 20 ................................................................. $0.39n Check paid and other debit … (See money market transfer/withdrawal information under Standard Benefits)n Coin and currency deposited – $5,000 or less ........................................No chargen Coin and currency deposited – greater than $5,000 (per $1,000) ................ $1.80n An excessive withdrawal fee of $15 will apply if there are more than six (6) preauthorized, automatic, computer or


Avoid the $10.00 monthly maintenance fee with any of the following:n $250 minimum daily balance ORn $500 average monthly balance OR n One recurring preauthorized deposit or incoming transfer of at least $100 per monthly statement cycle


Certificates of Deposit (Business and Public Fund)BB&T Certificates of Deposit (CDs) 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 CD has a term of 32 days or more, you my change the term of the CD by notifying BB&T during the 10-day period

beginning the day after the renewal date and including the next nine calendar days.

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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 seven 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 statement will be issued for your CD.

Borrowing SolutionsAt BB&T, you’ll find a complete range of loans and lines of credit that can help you manage your cash flow, finance expansion on real estate, purchase equipment and vehicles or cover the costs of your business’s industry-specific needs.

BB&T Business LoansIf you currently have a business loan or line of credit, you will begin receiving BB&T loan statements after June 22, 2015.

BB&T Business Credit CardsIf you have an open Bank of Kentucky Visa® Business credit card, you will receive a BB&T Visa® Business credit card by July 19, 2015. Additional details about your BB&T Visa® Business credit card will be provided in a separate mailing.

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 feen Variable credit limits that can grow with your businessn BB&T Business Rewards2

n BB&T Credit Card Connection — 24/7 online access to your account informationn Overdraft protection for up to two eligible business Demand Deposit Accountsn Flexible billing and payment optionsn Convenience when paying for everyday business expenses, from travel to office suppliesn Fraud protectionn Extended Protection and Purchase Security benefits

1 BB&T credit cards are subject to business type and credit approval.2 BB&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.

Additional Solutions at BB&TBB&T Business Debit CardIf you have an active Bank of Kentucky MasterCard® Business Debit Card, you should receive a packet by June 19, 2015, containing your new BB&T business debit card, activation instructions and additional usage information. Your Personal Identification Number (PIN) will remain the same as your existing PIN for your Bank of Kentucky debit card. Please activate and begin using your new card after 5 p.m. ET on June 21, 2015.

See the BB&T Business Debit Card Agreement for information about your new daily spending limits, ATM withdrawal limits and other important account information. If you have questions about your BB&T business debit card, call the Conversion Information Line at 800-987-6514 from 6 a.m. to midnight ET, seven days a week.

Here are some of the great features that come with your BB&T business debit card: n Customize your and your employees’ card capabilities and spending limits through BB&T Small Business Online or by

contacting your relationship manager.n Add your company logo, a photo of your storefront, employee photos or choose from our photo gallery. Learn more about

personalizing your card at BBT.com/carddesign.1

n Add your BB&T debit card to Apple Pay.TM You can securely make purchases at many of your favorite retailers with just the touch of a finger on your participating Apple device. You can learn more at BBT.com/applepay.

n Using Visa Checkout is a fast, simple, secure way to pay online or on the go with your tablet, phone or PC. Enroll your card at BBT.com/VisaCheckout.

n Enroll your card in Visa SavingsEdge® to save automatically on qualifying purchases that will show as a credit on your checking account statement. Business debit card clients can sign up for free at VisaSavingsEdge.com/BBT.

Here is a list of Visa® benefits that come with your BB&T business debit card:n Purchase Security and Extended Protectionn Lost/stolen card reportingn BB&T Zero Liability2

n Cardholder inquiry servicen Travel and emergency assistance services

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n Emergency card replacement and emergency cash disbursementn Auto rental collision damage waiver

All MasterCard benefits associated with your Bank of Kentucky business debit card will terminate on June 22, 2015.

The Make Cents Savings program will terminate effective June 19, 2015. Any remaining savings should post to your account by June 30, 2015.1 A fee may apply. See the Business Services Pricing Guide for more information.2 BB&T Zero Liability provides 100% reimbursement for most unauthorized purchases and some ATM transactions made with a lost or stolen BB&T business debit card. Please see the Business Debit Card Agreement for complete details.

BB&T ATMsOnce you’ve received and activated your new BB&T business debit card, you’ll have the convenience of using our network of nearly 3,000 BB&T ATMs to make cash withdrawals, balance inquiries, transfers and deposits. 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 Withdraw cash at most non-BB&T ATMs.

BB&T Small Business Online and Online Bill PaymentManage your business accounts securely, 24 hours a day, seven days a week with BB&T Small Business Online Banking. Online banking features responsive design, so you can manage your accounts from your computer, tablet or mobile device.

Gain a competitive edge with:n Online bill paymentsn Alerts on account balances, transactions and moren Online statements with up to 24 months of account historyn Quick and easy transfers between accountsn Security at the highest level availablen DirectConnect or WebConnect, which can 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 usersn Payment Services – Features same-day domestic and international wire transfers, next-day ACH payments, and direct deposit

Beginning June 22, 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 6 a.m. to midnight ET.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 fee of $9.95 will apply for Quicken and monthly fee of $14.95 will apply for QuickBooks for clients using DirectConnect. BB&T Private Vantage, BB&T Wealth Vantage, Elite Gold, Elite Classic and BB&T Asset Management account clients enjoy Quicken without a monthly fee. There is no monthly fee for WebConnect.

Alertsn 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, credit card transactions 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 Bankingn 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, 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 under Customer Service -> Mobile Banking -> Banking by Text.

BB&T Phone24BB&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 ET, seven days a week at no charge for the first three (3) months after conversion.

You may access BB&T Phone24 beginning at 6 a.m. ET on June 22, 2015. Simply dial 800-BANK BBT (800-226-5228) 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.

Important InformationBB&T OverdraftsThe 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.

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BB&T Overdraft Reviewn Please review the enclosed Commercial Overdraft Decision Notice that includes information about our Overdraft Review

Program. This program is different from and will replace your current overdraft service.n You will no longer have a set limit for overdrawing your account. To assess overdrafts on your account, BB&T has a process called

Overdraft Review. Overdraft Review is the methodology BB&T uses to determine whether your items and debit transactions should either be paid or rejected when you have insufficient funds in your account to cover the item or transaction. Your account is automatically opted-in to Overdraft Review at account opening. You may opt-out of Overdraft Review by notifying BB&T. You have the right to decide if you want to participate (opt-in), or not to participate (opt-out), in the Overdraft Review process. Your decision to opt-in, or opt-out of Overdraft Review will be effective the next business day for all transactions initiated after the effective date. Participation in Overdraft Review does not guarantee that BB&T will always authorize and pay your transactions and items. BB&T still retains the discretion to decline payment of items or transactions that will overdraw your account.

n BB&T will set your account to opt-in, which means all transactions are automatically subject to Overdraft Review. You may opt out of Overdraft Review if you want BB&T 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 June 22, 2015.

Overdraft ProtectionOverdraft 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 Visa® Business Credit Card Account2

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.1 An automatic overdraft protection transfer fee will apply. See Fee Schedule for details.2 Credit cards subject to business type and credit approval. Member FDIC. Overdraft maximum equals cash advance limit of the credit card account.3 Subject 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 ordern Debits without date and time information in low to high dollar amountn 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 StatementsYou should receive your last Bank of Kentucky statement(s) after June 19, 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 Bank of Kentucky account number(s) and your new BB&T account number(s) on your statements. (Please see below for information about online statements.)

Online StatementsYour BB&T statements will be delivered online through Small Business Online Banking if you currently have your paper statements suppressed at Bank of Kentucky and have a primary email address on record. The suppression will remain in effect for 90 days post conversion allowing you time to logon to Small Business Online Banking and accept the BB&T applicable agreements. After 90 days if you haven’t accepted the BB&T agreements your statements will revert to US mail. If you currently receive your statements

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through US mail you will continue to receive them by mail unless you set online-only delivery for your statements. Do this by logging in to BB&T Small Business Online Banking, indicate your preferences and accept the applicable agreements. To turn off mailed statements for your first BB&T statement, log in by June 26, 2015. You can set email or text alerts to notify you when your statement and other account communications are available online. Your statements previously available via Bank of Kentucky online banking will not be available through BB&T Online Banking. Please download and save or print out any statements you would like for your records prior to conversion.

Image StatementsBB&T offers the option to receive images of checks and other debit items (front and back, 12 per page) in monthly statement; however, images of deposit tickets or other credits are not provided. Additional fees may apply for image statements. BB&T does not return deposit tickets or other credits in the bank statement. Check images and deposit tickets are available free of charge through BB&T Small Business Online Banking.

ChecksPlease continue to use your current Bank of Kentucky checks and deposit slips through June 21, 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 June 20. Once you receive your new checks, begin using them immediately as your Bank of Kentucky checks will no longer be honored after June 22, 2016. Any checks received with your old Bank of Kentucky account information after June 22, 2016, will be returned unpaid.

FDIC InsuranceYour 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 merger, your deposits at The Bank of Kentucky and any deposits you may already have at BB&T will continue to be insured separately for a period of six months from the merger date.

Certificates of Deposit are insured separately for six months from the merger 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 Bank of Kentucky 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 that are in the same ownership rights and capacity will be insured up to $250,000. If you have more than $250,000 in total deposits at the combined banks, you may call the FDIC directly at 1-877-275-3342 for more information on how your funds may be insured at BB&T.

Other ServicesCash Management ServicesBB&T offers cash management services designed to help you effectively optimize your company’s cash resources and manage payment risk. Our Treasury Services consultants can help you choose the right solutions for your business, including collection services, disbursement services and information management services. Information regarding the transition of your cash management services will be provided under separate cover.

To learn more about cash management services offered by BB&T, please contact us at 800-810-5625.

BB&T Safe Deposit BoxIf you currently have a Bank of Kentucky safe deposit box, it will become a BB&T safe deposit box at conversion. Your safe deposit box rent will remain the same for one year from the conversion date and will continue to be billed on the current schedule. Your rent will then convert to BB&T pricing at the first billing date after that one year.

If your rent is unpaid, Past Due Notices will be sent to you at 30, 90 and 180 days after rent becomes due. After one year, BB&T will notify you by registered or certified mail, return receipt requested, that you must pay the rental within 30 days or the box may be opened and the contents stored at your expense. A certificate will then be sent to you showing your name, the date the box was opened, and a list of the contents. If you have not claimed the contents of the box and paid all accumulated charges after receiving the certificate, the contents will be sold or turned over to the state pursuant to applicable law. Any mailings will be sent to your last known address.

Please keep this information with your BB&T documents.

Direct Deposit / Automatic DraftsBB&T will continue to accept your direct deposits and automatic drafts (ACH transactions) for a period of one year until June 22, 2016. As we receive and post transactions that have valid information from your Bank of Kentucky account(s), we will send electronic Notifications of Change back to the originating financial institutions, providing your new BB&T account and BB&T routing/transit numbers. However, we also encourage you to confirm that the necessary changes to both your account and routing/transit numbers have been made by the companies involved in your direct deposits and other ACH transactions. After one year, beginning June 23, 2016, ACH items received with your old account information will be returned to the originators.

Wire TransfersEffective June 22, 2015, please use the following wire instructions:

n Receiving Bank Name: BB&Tn Receiving Bank Routing: 0839-0068-0 – Kentucky; 0421-0226-7 – Ohio

Beginning June 22, 2015, through August 31, 2015, BB&T will accept wires received with the old Bank of Kentucky account and routing/transit numbers. As these wires are received, BB&T will mail you a Wire Notification of Change, providing the new BB&T account number and routing/transit number. BB&T requests that you notify the appropriate parties of your new BB&T account information and ask that they make the necessary changes as soon as possible to prevent future wires from being returned.

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Fee ScheduleBB&T Business Debit Card

n BB&T ATM transaction Fee ............................................................................................................ No chargen Non-BB&T ATM transaction fee ...........................................................................................................$2.50 (Fee charged when using any domestic ATM that is not a BB&T ATM, unless otherwise disclosed.)n International ATM transaction fee .........................................................................................................$5.00 (Fee charged for ATM transactions outside the United States, Puerto Rico and U.S. Virgin Islands.)n ATM & Purchase International Service Assessment Fee .............................................3% of transaction amount (Fee charged for ATM and purchase transactions performed or processed outside the United States, Puerto Rico and

U.S. Virgin Islands. International services include purchase, credit voucher, ATM transaction and cash disbursement original and reversal transactions)

n Debit card replacement fee1 .................................................................................................................$5.00n ATM mini statement (last 10 transactions or pending) ...........................................................................$1.00n ATM full statement (all transactions since last statement) ......................................................................$2.00

BB&T Phone24n Automated and person-to-person inquiries ......................................................................................No Charge

Cash Processingn Currency (per $1,000 supplied) ...........................................................................................................$1.20n Coin (per roll supplied) ........................................................................................................................$0.14n Coin rolling (per roll) ...........................................................................................................................$0.12

Charged-Off Account Fee ............................................................................................................................$30.00Check, Deposit and Withdrawal Slip Orders ..........................................................................................Fee may vary(Based on account type and style selection)Check-Paid Rejects2 - per item ......................................................................................................................$0.50CPA Confirmation .......................................................................................................................................$20.00Credit Inquiry by Third Party .......................................................................................................................$20.00Deposit Account Usage Fee3....................................................................................................................... VariableDeposit Correction, per item ..........................................................................................................................$7.50Early Account Closing Fee (within 180 days of opening) ................................................................................$25.00Funds Transfer Between BB&T Accounts

n BB&T Small Business Online transfer - credit .................................................................................No Chargen BB&T Small Business Online transfer - debit ..................................................................................No Chargen BB&T Online transfer - credit .........................................................................................................No Chargen BB&T Online transfer - debit ..........................................................................................................No Chargen In-branch transfer - credit ....................................................................................................................$4.00n In-branch transfer - debit .....................................................................................................................$4.00n In-branch transfer by phone - credit .....................................................................................................$2.50n In-branch transfer by phone - debit ......................................................................................................$2.50n Phone24 transfer - non-automated credit ..............................................................................................$2.50n Phone24 transfer - non-automated debit ...............................................................................................$2.50n Phone24 transfer - automated credit ....................................................................................................$1.00n Phone24 transfer - automated debit .....................................................................................................$1.00

Inactivity4 Fee ..............................................................................................................................$7.50 per monthInternational Services

n Branch-Initiated wire transfer .............................................................................................................$75.00n CashManager OnLine® wire transfer ....................................................................................................$36.00n Check collection tracer (per message) .................................................................................................$20.00n Corporate call wire transfer ................................................................................................................$50.00n Incoming wire transfer .......................................................................................................................$18.00n Foreign currency bank note buys/sales ................................................................................................$10.00n Foreign currency drafts ......................................................................................................................$30.00n Foreign currency overnight delivery .....................................................................................................$20.00n 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 .........................................................................................$7.50n US dollars checks drawn on European banks .......................................................................................$35.00n Wire/draft tracer/amendment (per message) ........................................................................................$20.00n Wire/draft recall/stop payment (per message) ......................................................................................$30.00

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Legal Process .................................................................................................................................. up to $125.00 (Levy/garnishment/attachment/etc.)Money Order ................................................................................................................................................$5.00Negative Account Balance Fee5 ...............................................................................................................$8.00/day(Fee assessed to your checking or savings account on the seventh calendar day that your account is overdrawn)Night Depository Service (Per bag processing fee) ...........................................................................................$2.00Non-Depositor Check Cashing Fee for non-BB&T Checks .................................................................................$8.00Non-Depositor Check Cashing Fee for On Us (BB&T) Checks ...........................................................................$8.00(Applies only to checks cashed greater than $50.00)Official Check ............................................................................................................................................$10.00Outgoing Collection Item ............................................................................................................................$25.00Overdraft 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 .............................................................................................................................$36.00Pre-Encoded Deposited Items

n BB&T .................................................................................................................................................$0.13n Other in-state institution ......................................................................................................................$0.13n Out-of-state institution ........................................................................................................................$0.13n Pre-encoded rejects .............................................................................................................................$0.50

Researchn 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 ...........................................................................................................................................$25.00n 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 amountn Non Clients – All amounts ................................................................................................................10% of total amount

Small Business Online Servicesn Basic service – BB&T Small Business Online ......................................................................................................No Charge – Unlimited online bill payment .....................................................................................................No Chargen Add business service – Multiple user access (allow multiple users) ............................................................................ $5.00/monthly – ACH & Wire ......................................................................................................................$15.00/monthly – Multiple user access with ACH & wire .................................................................................$17.00/monthly – QuickBooks® .....................................................................................................................$14.95/monthly – Quicken® ............................................................................................................................ $9.95/monthlyn Transaction fee – Stop pay ........................................................................................................................................$34.00 – ACH payment – federal tax ................................................................................................................$3.00 – Other ACH payments – Direct deposit per recipient ............................................................................................................$1.00 – Business-to-business .....................................................................................................................$1.00n Business-to-consumer .........................................................................................................................$1.00n ACH payment - return ..........................................................................................................................$3.00n ACH payment - notification of change ...................................................................................................$2.00n Domestic wire transfer .......................................................................................................................$15.00n International wire transfer ..................................................................................................................$30.00n Returned domestic wire transfer ...........................................................................................................$8.00n Returned international wire transfer ....................................................................................................$18.00

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n Book transfer fee ...............................................................................................................................$12.00Statement 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 date)) – 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 Optionsn Online statements .........................................................................................................................No Chargen Check Safekeeping ........................................................................................................................No Charge (Only paid check transaction summary is included in the statement)n Check images with statement .................................................................... $4.00 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)n Overnight Statement Delivery Package ................................................................................................$10.00

Stop Payment Order ...................................................................................................................................$34.00Uncollected Funds Charge6 ........................................................................................................Prime Rate + 4.0%Wire Transfer Services

n CashManager OnLine wire maintenance fee ...........................................................................$10.00/monthlyn CashManager OnLine repetitive wire transfer .......................................................................................$11.00n CashManager OnLine non-repetitive wire transfer ................................................................................$12.00n Corporate call repetitive wire transfer ..................................................................................................$17.00n Corporate call non repetitive wire transfer ...........................................................................................$25.00n Branch-initiated wire transfer .............................................................................................................$65.00n Incoming wire transfer .......................................................................................................................$14.00n Standing order outgoing wire ..............................................................................................................$10.00n Wire repair ........................................................................................................................................$10.00n Wire advice phone .............................................................................................................................$10.00n Wire advice fax ...................................................................................................................................$5.00n Wire advice US mail ............................................................................................................................$4.00n Wire advice email ................................................................................................................................$3.00

1 Fee 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.

2 Fee 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.

3 The deposit account usage fee includes various expenses incurred by BB&T 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. The charge is variable and subject to change at any time without notice.

4 Inactivity is defined as having no deposits or withdrawals for 12 consecutive months in your checking account and 24 consecutive months for money market savings accounts. Interest posted or fees charged on your account are not considered to be activity. Applies only to accounts with balances less than $1,000 and greater than $0.

5 Applies only to Business Value 500 Checking, Business Value 200 Checking, Business Interest Checking, Basic Public Fund Checking and Community Checking accounts.6 Fee 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, Public 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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B A N K I N G I N S U R A N C E I N V E S T M E N T S

BBT.com Equal Housing Lender. Member FDIC. Only deposit products are FDIC insured.

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Business Services - BB&T Bank | Personal Banking, · Business Services Product and Pricing Guide BANKING INSURANCE INVESTMENTS Effective June 22, 2015 Please note: The pricing in

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