If you have questions, please visit your nearest BB&T financial center on or after March 16, 2009. We would welcome the opportunity to speak with you, explain your specific BB&T products and discuss any options that may better suit you.

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

Your deposits at BB&T will continue to be insured by the FDIC up to the maximum amount allowed by law. Your total BB&T deposits that reflect the same ownership rights and capacity will be insured up to $250,000 until December 31, 2009. Insurance coverage for certain retirement accounts, which include all IRA deposit accounts, was increased permanently to $250,000 per depositor in 2006.

Certificates of Deposits (CDs) 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 CD matures within the first six months and the account is renewed for the same principal amount and term, the CD will continue to be insured separately until the next renewal date after the initial six-month period has ended.

You may call the FDIC directly at 1-877-275-3342 for more information.

If you have more than one deposit account, your account information may be combined into one monthly statement, and your statement date could change. If you prefer separate statements, please contact BB&T 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.

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.

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

You can access Phone24 beginning at 6:00 a.m. Eastern Time on March 16, 2009. Simply dial 1-800-BANK-BBT (1-800-226-5228). Enter your Social Security number followed by the pound (#) key, and then select a four-digit security code.

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

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