Legal Notices

Copyright 2013 by Branch Banking and Trust Company

All information on this server is protected by a compilation copyright in the United States of America and in other countries. In addition, certain information is copyrighted by others. Unless otherwise specified, no one has permission to copy or republish, in any form, any information found on the BB&T web site.

Permitted Use

Any person is hereby authorized to view the information available from this web server for informational purposes only. Except as expressly provided below, no part of the information or other content on this website may be redistributed, copied, reproduced or otherwise used without prior written consent of BB&T.

Notwithstanding the above restriction, financial publications (publishers of, or writers for magazines, newspapers and other printed materials related in whole or in part to the financial services and banking industry) may download a copy of the biographical information, including all text and photographs, of the members of the BB&T Executive Management Team or Regional Presidents (the "BB&T Executives") displayed on this website (the "Biographical Content"). Financial publications may download the Biographical Content solely for the purpose of displaying the Biographical Content in connection with the corresponding BB&T Executive in the financial publication. The Biographical Content is provided "as is", may not be altered or modified in any way, and must be used in its entirety with respect to each BB&T Executive.

This is a license only and not a transfer of title to any of the Biographical Content. BB&T owns all rights in and to the Biographical Content. As a condition of this license, the individual or entity downloading the Biographical Content of one or more of the BB&T Executives consents to BB&T's approval or disapproval of any use thereof that BB&T finds objectionable, in its sole discretion. BB&T reserves the right, in its sole discretion, to terminate access to any or all of the Biographical Content or any portion thereof, at any time, by providing written notice (whether by mail, courier, hand delivery or electronic delivery) to the financial publication. Upon receipt of such notice, the financial publication shall immediately cease all downloading and other use of the Biographical Content, destroy all copies (whether printed or electronic, and whether partial or whole) of the Biographical Content and all publications containing such Biographical Content, and if requested by BB&T, print a retraction in the financial publication and take any other corrective actions requested by BB&T in its sole discretion.

The individual or entity downloading the Biographical Content agrees that it will not be used in connection with content that is libelous or otherwise unlawful, abusive, immoral, vulgar, obscene or threatening material, or content that will constitute or encourage conduct that would be considered criminal. Such individual or entity shall remain solely responsible for the content of any publication containing the Biographical Content of any BB&T Executive, and, as a condition of the license granted herein, and as partial consideration therefor, shall indemnify, defend and hold harmless, BB&T and its affiliates, and the officers, directors, employees, agents and representatives of any of the foregoing (including but not limited to all BB&T Executives) for any claim based on such content.

Disclaimer of Warranties

THE INFORMATION CONTAINED HEREIN OR ACCESSED THROUGH THIS WEB SERVER IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

References to corporations, their services and products, are provided "as is" without warranty of any kind, either expressed or implied. In no event shall BB&T be liable for any special, incidental, indirect or consequential damages of any kind, or any damages whatsoever resulting from loss of use, data, or profits, whether or not advised of the possibility of damage, and on any theory of liability, arising out of or in connection with the use or performance of this information.

Statements Relating to Corporate Names and Marks of Third Parties

All references on BB&T's web server to the corporate names, trade names, trademarks, and service marks of third parties are intended to accurately identify such parties as the sources of specific products and services. In many instances, the referenced names and marks are the subject of federal, state, and international registrations. BB&T makes no claim of any interest or license under any such names and marks of other parties identified in this web server, and BB&T acknowledges the proprietary rights of such other parties to their identified names and marks. BB&T's use of such names and marks is only for purposes of proper identification, and there is no intention on the part of BB&T to improperly use or dilute the proprietary rights of the owners and authorized users of such names and marks.

Products and Services of Third Parties and Hyperlinks to other Web Sites

Certain products and services made available to you on the BB&T web site may be provided to you directly by third parties. BB&T has attempted to include third party attribution notices where it may not otherwise be apparent to users that the product or service is provided by a third party. Your use of such products and services may be subject to the terms and conditions, and privacy policies of the third parties providing the product or service. We encourage you to review the terms and conditions and privacy policies of such third parties as they may differ from those of BB&T. Descriptions of, or references to any third party products, services, publications, or any hyperlinks to other web sites within BB&T's web server does not imply endorsement of that product, service, publication or company, and does not necessarily represent the views or opinions of BB&T. BB&T makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information. BB&T specifically disclaims all warranties, express, implied or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose.

This publication could include technical inaccuracies or typographical errors. Changes may be periodically made to the information herein.

Patents

One or more patents owned or licensed by Branch Banking and Trust Company apply to this site and to the features and services accessible via the site. The following is a non-exhaustive list of applicable patent(s).

United States Patent Number(s): 7,620,580.