You will also have access to more than 2,100 BB&T ATMs throughout our network. For a complete listing of BB&T financial centers and ATMs visit BBT.com.

If you have questions, please visit your nearest BB&T financial center on or after March 16, 2009. Our representative will explain your specific BB&T products and discuss options that may offer even higher earnings, reduced fees and more.

If your current check supply runs out before March 16, 2009, reorder checks as you normally would, but please remember to order the minimum quantity.

Certificates of deposit are insured separately for six months after December 12, 2008 (the "Closing Date" of Haven Trust Bank, Duluth, GA), or until maturity, whichever is later. If your certificate of deposit matures within the first six months and the account is renewed for the same principal amount and term, the certificate of deposit will continue to be insured separately until the next renewal date after the initial six-month period has ended.

If you would prefer to change your statement options, please contact a BB&T representative after March 16, 2009. For your convenience, both your Haven Trust Bank deposit account numbers and your new BB&T deposit account numbers will be included on your monthly statement for a period of time after the merger.

BB&T image statements provide images of checks (front of check only/ten items per page) and other debit items; however, images of deposit tickets or other credits are not provided. BB&T does not return deposit tickets or other credits in the bank statement.

You may access Phone24 beginning at 6:00 a.m. Eastern Time on March 16, 2009. Call us at 1-800-BANK-BBT (1-800-226-5228).

To access Phone24, you'll need:

• Your BB&T check card and PIN OR
• Your Tax Identification number and your security code. To request a security code for use with Phone24, call 1-800-BANK-BBT (1-800-226-5228) and select the following options:
  • Press 1 "For Banking Services and Existing Account Information".
  • Press 4 "To request a new security code or change your current security code".
  • Press 1 "To request a security code for use with your Social Security number or Tax Identification number".
  • Enter your Tax Identification number. A security code will be mailed in seven to ten business days.

To speak with a client service associate, press 0 after selecting one of your BB&T accounts. Associates are available to assist you from 6:00 a.m. until midnight Eastern Time, seven days a week.

As we receive and post these transactions, we will send Notifications of Change back to the originating financial institutions, providing your new BB&T account and routing numbers.

Once you receive your BB&T account information, please confirm that the necessary changes have been made by the companies sending your direct deposits and drafts. After one year, ACH transactions received with your old account numbers will be rejected.

EXCEPTION: Automatic payments for loans held by the FDIC have been discontinued. Please refer to the new payment instructions in the letter sent to you by the FDIC.

Please note: Effective March 16, 2009, banking transactions occurring after 2:00 p.m. will be posted on the following business day.

EXCEPTION: Payments for loans held by the FDIC require different wire instructions. Please refer to the letter sent to you by the FDIC

BB&T Merchant Services also offers additional services such as gift cards, check processing, and wireless solutions, as well as equipment and software sales. BB&T Merchant Services offers flexible, custom designed solutions across all types of industries. To speak with a Merchant Services specialist, please call 1-866-238-2420.