Certificate of Deposit Account Registry Service^®

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.

CDARS
Safety	Access multimillion-dollar FDIC insurance coverage.
Convenience	Work directly with BB&T. Earn one interest rate per maturity and receive one regular statement.
CD-Level Rates	Earn CD-level returns which may compare favorably with other investment alternatives, including Treasuries, corporate sweep accounts and money market funds.
Reduced Administrative Expenses	Eliminate time spent managing multiple bank relationships. Eliminate time spent administering various interest rates per maturity. Eliminate time spent organizing interest disbursements from various sources. Eliminate the effort of manually consolidating monthly statements. Eliminate the need to monitor changing collateral on an ongoing basis.
Flexible	CDARS is an ideal program for: Businesses Non-profit organizations Public fund managers Trustees Financial advisors Credit unions

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.