#1 SBA Small Business Lender of the Year in North Carolina, Virginia and Georgia

For a limited time, BB&T is offering a special lending program for Small Businesses. n Loan amounts up to $250,000 n SBA Express financing available n Loans are subject to origination fee n Rates are subject to change

Loans are subject to credit approval. Rates are not available for refinancing of existing BB&T loans. Other rates available. Ranking based on large and national lenders as recognized by Small Business Administration for 2010 and 2011. Loans offered through Branch Banking and Trust Company, Member FDIC. BBT.com © 2013, Branch Banking and Trust Company. All rights reserved.

Fixed Rates as low as 2.99% Special Loan Program for Small Businesses

Comm. Core Rev. 2-20-13

These special loan rates are effective beginning February 20, 2013. To apply, or find out more about this loanprogram or BB&T’s complete range of financial services, please contact your local BB&T financial center.

Commercial Collateral Rate Term Amortization

3.10% 5 5

3.10% 5 20

3.70% 10 10

4.25% 10 20

4.75% 15 15

Residential Collateral Rate Term Amortization

2.99% 5 5

3.49% 10 10

3.74% 15 15

Equipment Rate Term*

2.99% (New) Up to 72 months

3.99% (Used) Up to 60 months

*Subject to equipment type and age.