BB&T is an FDIC-insured member of the nationwide CDARS^®, or Certificate of Deposit Account Registry Service^®, Network of financial institutions. This allows us to offer you the advantages of CDARS. When you deposit a large amount with us, we place your funds into certificates of deposit issued by other banks in the CDARS Network in increments under the standard FDIC insurance maximum. This makes both principal and interest eligible for FDIC coverage.

Features
Safety	Access to multimillion-dollar FDIC insurance coverage.
Convenience	Eliminate the need to manage multiple bank relationships. Work directly with BB&T. Earn one interest rate per maturity.
CD-Level Rates	Earn CD-level returns which may compare favorably with other investment alternatives, including Treasuries, corporate sweep accounts and money market funds.
Simplified Tax Management	Individual investors receive a single year-end tax form.

Limits apply. Funds may be submitted for placement only after a depositor enters into the CDARS Deposit Placement Agreement with BB&T. The agreement contains important information and conditions regarding the placement of funds by us. CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC.