SMART Money Manager

A SMART Money Manager account requires a minimum opening balance of $25,000 and provides these features:

• Deposits are automatically swept into your chosen sweep option.
• Checks, ATM withdrawals or other debits are covered with funds swept out of your Money Market sweep option.
• Proceeds from sales, interest or dividends are automatically invested into your chosen sweep option.
• Any securities purchased are covered automatically with funds swept out of your chosen investment option.

Balance Requirements

A portion of your $25,000 minimum opening balance must include securities. Qualified assets to meet the minimum include the following:

• Brokerage assets held by BB&T Investment Services, Inc.
• Securities and cash transferred in from an outside brokerage firm
• Savings accounts, checking accounts, time deposits (combined with brokerage assets)

SMART Money Manager accounts offer a variety of benefits and options to suit your investing style and help you achieve your financial goals.

Brokerage Benefits

• Full-service: professional, objective guidance from a qualified BB&T Investment Services, Inc. Investment Counselor
• Self-service: discount and online trading
• 5% discount on stock trades
• Regular investments
• Available margin cover checking account overdrafts or securities purchases

Banking Benefits

• Free checks
• Free second checking account
• Custom BB&T check card¹
• Discounted safe deposit box
• Bonus CD and IRA rates
• No-fee BB&T Visa^® Platinum Card
• Discounted auto loans
• Discounted closing costs on a BB&T Tax Advantage Credit Line

Single sign-on access to your SMART Money Manager account is available through BB&T OnLine.

• Place stock, option and mutual fund trades.
• View investment portfolio balances and transactions.
• Conduct research on stocks and mutual funds.
• Check the market and get real-time quotes.
• Access 24 months of statements, confirmations and tax reports.
• Access banking balances, transactions and bill pay services.

SMART Money Manager provides:

• Comprehensive month-end statements with brokerage and bank balances and transactions
• Statements list check payees