BB&T has helped countless professionals in a variety of industries to better manage and expand their business while improving their

personal finances as well. We understand that your industry is unique, which is why, in addition to providing you with expert financial

advice and guidance, we can also offer additional benefits to your employees, and simplify your day-to-day business operations. We

have developed a suite of services specifically for your practice that is tailored to meet your everyday needs.

This suite of services, designed for your practice, includes:

Financial services tailored to fit professional practices, just like yours.

Special pricing and rate discounts on financing for real estate and equipment purchases, as well asworking capital for day-to-day operations.1 See the reverse side of this flyer for more details.

Improve efficiency, reduce paperwork, and better manage cash flow and expenses with high value commercial checking packages and valuable treasury management tools and services.

Increase efficiency and save money with our no-license-fee virtual terminal, free secure card reader, plus we’ll match or beat your current processing costs and give you next-business-day funding into a BB&T business checking account.2

Your practice has unique insurance needs, and we have experience in making sure all the areas of your office are covered.4

Our BB&T Business Visa® Credit Card with Rewards makes every purchase, from office supplies to travel expenses, more convenient and easier to track.3

As a BB&T Wealth client, you’ll have access to a dedicated, trusted advisor who will work with you to create a detailed and comprehensive financial strategy. Your advisor will work closely with specialists within BB&T – from banking, strategic credit, risk management, investments and trust and estate planning – along with other outside partners that you designate. As a BB&T Wealth client, you’ll receive an exclusive suite of banking services on which our clients have come to rely.1,3,4,5

Commercial Credit

Payment Solutions

Merchant Services

Insurance Services

Credit Cards

Wealth Management

n Loan amounts up to $5 million

n Adjustable rate options are available

n SBA 504 financing available

n Loans are subject to origination and prepayment fees

n Rates are subject to change

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For a limited time, BB&T is offering a special lending program for professionals with fixed rates as low as 2.65%.

To learn more about how we can help you and your business succeed,

visit BBT.com/business or stop by the nearest BB&T commercial center.

Rate Term Amortization

Owner Occupied 3.10% 5 year 20 yearReal Estate Loan 3.95% 10 year 10 year 4.50% 10 year 20 year 4.75% 15 year 15 year

Equipment Loan 2.65% 3 year 3 year 2.90% 5 year 5 year 3.20% 7 year 7 year

1 Traditional banking products are offered by Branch Banking and Trust Company, Member FDIC and Equal Housing Lender. Only deposit products are FDIC insured. Loans are subject to credit approval. Rates are not available for refinancing of existing BB&T loans. Other rates available. 2 BB&T Merchant Services are subject to business type and credit approval. Offer valid for face to face, no advance payment, non-franchise clients with Visa®/MasterCard®/Discover® aggregate annual sales between $50,000 and $1 million. Two months of current provider statements required. Limit one free card reader per merchant relationship. Three-year contract term required.3 BB&T Credit Cards are subject to business type and credit approval. The BB&T Business Rewards program is optional and available with no program membership fee on BB&T Business Credit Cards with an aggregate company credit line of less than $100,000.

4 Insurance products are offered by BB&T Insurance Services, Inc., a wholly owned subsidiary of Branch Banking and Trust Company. Insurance.BBT.com.5 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 a wholly owned nonbank subsidiary of BB&T Corporation.

* Higher credit limits may be available, but additional documentation is required.© 2013, Branch Banking and Trust Company. All rights reserved.

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

NOT A DEPOSIT NOT FDIC INSURED NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

MAY GO DOWN IN VALUE NOT GUARANTEED BY A BANK