OVERVIEW GUIDE
Welcome to BB&T
On behalf of the BB&T Human Systems Division, welcome to BB&T. This Overview Guide was designed to
provide prospective candidates an overview of BB&T, our vacation policies, Short-Term Pay policy, benefit
plans, retirement plans, and our training programs. BB&T provides excellent and competitive benefits and
training programs.
A Strong Heritage
BB&T began as a small eastern North Carolina bank in 1872, and no bank in North Carolina has had its doors
open longer. Throughout our history, we have grown in size and scope to offer a wide range of financial products
and services to meet the changing needs of our clients. We now have approximately 1,800 financial centers in the
Carolinas, Virginia, West Virginia, Kentucky, Georgia, Tennessee, Maryland, Florida, Alabama, Indiana, Texas
and Washington, D.C.
In addition to our Community Banking locations, we have subsidiary offices throughout the United States
including insurance locations extending to California. We also have some subsidiary locations in Canada.
Mission Statement
Our mission is to make the world a better place to live by:
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Helping our C L I E N T S achieve economic success and financial security;
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Creating a place where our A S S O C I A T E S can learn, grow and be fulfilled in their work;
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Making the C O M M U N I T I E S in which we work better places to be; and thereby:
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Optimizing the long-term return to our S H A R E H O L D E R S , while providing a safe and sound
investment.
INSIDE
BB&T Philosophy……………..................................... 2
BB&T Service Culture………...................................... 2
Payroll, Vacation, Short-Term Absence……………… 3
Education Assistance………………………………..... 4
Flexible Benefits Plan…………………………….…... 4
Employee Assistance Program……………………….. 11
Retirement Programs……………………………….… 11
Banking Benefits……………………………………... 12
BB&T University…………………………………….. 13
The BB&T Philosophy
At BB&T, it's about Excellence. It's about the best people creating and building a world-class organization in an
ever-changing world. The foundation and motivation behind this commitment to Excellence is found in "Our
Philosophy."
At BB&T, we are convinced our success is directly linked to our values and mission. We have accomplished
important things because we value an individual, personal relationship with our clients and our associates. This
means interacting with trust, integrity, responsibility, creativity and a commitment to Excellence. Hard work,
supported by our values, will continue to produce the results we have enjoyed for 143 years: success for our
clients, rewarding careers for our associates, growth in our communities and economic and long-term returns for
our shareholders.
Some of the concepts that describe BB&T:
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Client-driven, our clients are our partners.
Quality-oriented, quality must be built into the process.
Efficient, "Waste not, want not."
Growing both our business and our people, grow or die.
Continuous improvement, fundamental commitment to innovation.
Objective decision making, fact-based and rational.
Management's Commitment to Our Associates
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C O M P E N S A T E associates fairly in relation to internal equity and market-comparable pay practices
(performance-based compensation).
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Provide a comprehensive and market-competitive B E N E F I T program.
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Create a place where associates can L E A R N a nd G R O W .
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T R A I N associates so they are competent to do the work asked of them.
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E V A L U A T E and R E C O G N I Z E performance objectively, fairly and consistently based on the
individual's contribution to the accomplishment of our mission and adherence to our values.
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Treat each associate as an I N D I V I D U A L with dignity and respect.
BB&T's Service Culture / The Perfect Client Experience
BB&T prides itself in having offered high quality client service. We recognize that our clients and their
relationships with us have created the very foundation of our success. Our continued success is dependent upon
"re-earning" each client's loyalty on a daily basis.
Accordingly, we must commit to one of our key corporate objectives, "Execute on the Perfect Client Experience,"
with every client interaction. Creating client service that is different and more valuable begins with you. Your
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values, your attitude, your passion, your loyalty and your commitment to helping our clients achieve economic
success and financial security is the difference!
Your Compensation is More Than a Paycheck
At BB&T, your Total Compensation extends well beyond your cash compensation. BB&T provides paid
vacation, approximately 75% of your Medical Program premiums, basic Term Life Insurance and Disability
Insurance. Additionally, BB&T provides Short-Term Absence Pay, the BB&T Corporation 401(k) Savings Plan,
the BB&T Corporation Pension Plan, opportunities for professional growth and development, banking benefits
and much more.
Payroll Guidelines
Associates are paid semi-monthly, generally on the fifteenth and last business day of the month. If the fifteenth
falls on a weekend, associates are paid on the Friday before the weekend. Regular pay for salaried associates is
paid through the current pay date. Hourly associates are paid based on the weeks included in the pay period.
Associates receive their pay by deposit to an account they have designated.
Vacation / Holidays
For newly hired full-time associates working a standard 5 day, 40 hour week, the following schedule will be used
in determining the number of days that may accrue in the first year of employment:
If your start date is in:
Days eligible:
If your start date is in:
Days eligible:
January
7
July
4
February
7
August
4
March
7
September
3
April
5
October
2
May
5
November
1
June
5
December
0
Note: Temporary associates and those regular associates scheduled to work less than 20.0 hours per week do not
accrue vacation. For an associate whose scheduled workweek is nonstandard (e.g., four ten hour days or three
twelve hour days), the above schedule of accrued days should be converted to hours. For example, 7 days of
accrual would equate to 56 hours of vacation.
Short-Term Absences
The Short-Term Absence Pay policy is designed to provide salary continuation to eligible associates who are
absent from work. This policy is intended to protect associates from loss of income due to short-term illness or an
accident.
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This policy provides 40 workdays per calendar year that are intended to be used for personal illness and other
approved absences. For an absence other than illness to be approved under the Short-Term Absence Pay policy,
an associate must receive management approval.
Business Travel Accident Insurance
BB&T provides insurance for associates that may pay a benefit if they are injured in an accident while traveling
on company business. The policy may pay up to $250,000 ($500,000 for Senior Vice Presidents and above) for
injuries received.
Education Assistance
BB&T encourages associates to grow and develop, personally and professionally, through the systematic and
planned use of formal educational activities, both within the Company and outside the Company. Outside
educational activities can take at least two different general forms, both of which may be supported by BB&T.
These two forms include: (1) formal degree programs (undergraduate and graduate) and (2) company-required or
continuing education.
It is the policy of the Corporation to provide highperformance and high-potential associates
assistance in pursuing degree programs that (a)
give the associate better knowledge, skills and
abilities to perform his or her current job, or (b)
prepare the associate for planned growth to
assume a position of higher responsibility.
Management approval must be received prior to
taking a course to be considered for
reimbursement.
Flexible Benefits Plan
BB&T has developed a benefits plan that allows associates to design a personal benefits package to fit their needs.
The concept that drives the BB&T Flexible Benefits Plan is Partnership. We work hard to provide associates with
a variety of benefits from which they can choose. In turn, associates assume the responsibility for their choices.
On these pages, we have outlined the benefits offered under our Flexible Benefits Plan.
Eligibility and Coverage Levels
Any associate regularly scheduled to work at least 20 hours per week is eligible to participate in the BB&T
Flexible Benefits Plan on the first day of employment. Under the BB&T Flexible Benefits Plan, the Medical,
Dental, and Vision Programs offer five coverage levels: Employee Only, Employee and Spouse, Employee and
Domestic Partner, Employee and Child(ren) (for Domestic Partners, "children" can include the associate's
children or the Domestic Partner's children), and Family coverage. Associates may cover children through the end
of the month in which they reach age 26, providing the child meets all other eligibility requirements.
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Domestic Partner Coverage
BB&T offers Domestic Partner coverage for the Medical, Dental, Vision, Dependent Life Insurance, and
Accidental Death and Dismemberment Insurance Programs. For coverage purposes, a domestic partnership must
meet certain requirements for coverage.
Company Contributions and Pre-tax Savings
The Company contributes a major portion toward the cost of associate Medical Insurance, Term Life Insurance,
and Disability Insurance coverage. In addition to the Company contributions, associates receive an added benefit
by having premiums (except for Dependent Life, Disability, and Domestic Partner coverage) deducted before
taxes are applied to their earnings.
New Associate Orientation and Benefits Orientation
New hires will view a pre-recorded New Associate Orientation module that covers Policies and Procedures and
Benefit Related Policies (Holiday, Vacation, Short-Term Absence days, etc.). Benefits-eligible new hires will also
view a pre-record Benefits Orientation module to learn about and enroll in the BB&T Flexible Benefits and
Retirement Benefits.
Medical Program
BB&T offers medical coverage to all benefits-eligible associates on the day they begin employment with the
Company. There are no waiting periods; however, to continue coverage, associates and their spouses or Domestic
Partners must meet the Medical Eligibility Requirements listed below:
Medical Eligibility Requirements
1. Associates must be scheduled to work at least 20 hours per week.
2. Associates must be classified as “regular” associates (not temporary or contract associates).
3. Associates and their covered spouses or Domestic Partners must complete a Health Assessment
questionnaire by the assigned deadline.
Note: If the Medical Eligibility Requirements are not met by the deadline, medical coverage will be cancelled.
BB&T Offers Two Medical Program Options:
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Select Option
Consumer Option and Health Savings Account
These programs are available through one carrier, BlueCross BlueShield (BCBS), under the "BlueCard" program.
The BlueCard program allows BB&T associates to take advantage of one national provider network. Each
associate can choose one of the Medical Program Options or waive coverage.
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The Select Option and the Consumer Option are both Preferred Provider Organization (PPO) Options. A PPO is a
benefit arrangement designed to offer medical services at an affordable cost. The BB&T Medical Program
Options offer the flexibility to utilize both in-network and out-of-network providers. Since in-network providers
contract with BCBS at a discount, participants receive financial incentives for using participating providers
(specifically, the plan pays a better benefit). The Medical Program Options do not require associates to designate
a primary care physician or obtain a referral to see a specialist. Another feature is that both options have annual
deductibles. There is no lifetime maximum benefit under either of the Medical Program Options.
The primary differences between the two Medical Program Options include:
 The annual deductible amount
 The level of co-insurance – the percentage of reasonable and customary expenses paid after the deductible has
been satisfied
 Co-payments (the Select Option offers co-payments for office visits when you are sick and for most
prescription medications prior to meeting the deductible)
 Prescription drug benefits
 The maximum amount paid out of pocket for the year
 Premium for coverage
Disease Management Program
The Disease Management Program allows our Medical Program participants to take a proactive role in their own
health care management and to control medical costs better. BB&T contracts with BlueCross BlueShield of North
Carolina (BCBSNC) to manage this confidential Disease Management program. The program offers support for
the following: asthma, diabetes, high blood pressure, high cholesterol, heart disease, heart failure, migraines,
fibromyalgia, weight management, stress management, quitting smoking and pregnancy.
Prescription Drug Benefits
The Select Option offers prescription drug benefits, which provide a 30-day supply at a participating retail
pharmacy or up to a 90-day supply through the mail order drug program. Our prescription drug benefits are set up
on a four-tier benefit structure and are divided into different groups: Tier 1 (generic), Tier 2 (preferred brand),
Tier 3 (non-preferred brand), and Tier 4 (most specialty drugs). Each group has a different cost. The associate's
cost for prescription drugs is based upon the Prime Therapeutics prescription drug formulary.
PRESCRIPTION DRUGS
Retail (30-day supply)
Mail Order (up to 90-day supply)
Tier 1: $15
Tier 1: $30
Tier 2: $30
Tier 2: $60
Tier 3: $50
Tier 3: $100
Tier 4 Specialty: 25% co-insurance
(minimum $50; maximum $150)
Tier 4 Specialty: 25% co-insurance
(Specialty 30-day limit) minimum coinsurance is $50;
maximum is $150
Under the Consumer Option, the cost of prescription drugs applies towards the deductible. After the deductible is
met, the prescription drug cost is covered at 80% (in-network).
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Dental Program
The BB&T Dental Program is an optional program administered by BlueCross BlueShield (BCBS) Dental Blue.
This program has a ‘silent PPO’ feature available to all participants. BCBS has negotiated discounts on dental
services with certain participating dentists.
Dental coverage provides a benefit for routine care, and basic and major services. Preventative services (up to two
visits per year) are paid at 100% with no deductible, subject to reasonable and customary charges. Annual
deductibles of $25 for individual coverage or $75 for family coverage apply for basic or major services.
Orthodontia benefits are available for dependent children up to age 19. The program pays 50% of covered
orthodontic services, up to a maximum lifetime benefit of $1,000 for each covered child.
DENTAL SERVICE
WAITING PERIOD*
COVERAGE
Preventative Services
(cleaning and X-rays)
None
100%
Basic Services (e.g., fillings)
None
80%
6 months
50%
1 year
50% (up to $1,000)
Major Services
(e.g., crowns or bridges)
Orthodontia for covered
dependent children up to age 19
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Claims are filed with BCBS.
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The maximum annual benefit payable for each covered person, exclusive of
orthodontia, is $1,000.
*Our Dental Program contains waiting periods. If an associate has had dental coverage
under another group health care plan, they may be able to reduce or eliminate these
waiting periods. Associates with prior coverage should submit a Certificate of Coverage
form from their prior plan to Benefits Administration so they can receive proper credit
for their prior coverage.
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Vision Program
BB&T Offers vision coverage through Vision Service Plan (VSP). The Vision Program provides coverage for
routine eye exams as well as eyeglasses and contact lenses. There is no identification card required for the Vision
Program.
COVERAGE THROUGH VSP DOCTOR
COVERAGE THROUGH VSP AFFILIATE PROVIDER
Providers
VSP Network, our largest provider network
27,000 VSP Preferred Providers
42,000 access points
Approximately 400 Costco retail dispensary locations and
additional affiliate locations
Eye Exam
Thorough VSP WellVision Exam® covered in full1
Thorough eye exam covered in full1
Glass or plastic, single vision, lined bifocal, lined trifocal or lenticular prescription
1
lenses are covered in full
Glass or plastic, single vision, lined bifocal, lined trifocal or
1
lenticular prescription lenses are covered in full
Lenses
All lens options are covered in full with a co-pay, saving VSP members an
average of 35-40%
Patient cost:2
Lens
Options
Frames
Contact
Lenses
Laser
VisionCareSM
Program
Photochromics:
Scratch resistant coating:
Polycarbonate:
Lens Option Availability Varies
Special pricing at Costco,
20% off at other affiliate locations
$42 co-pay
$15 co-pay
$25 co-pay
Dependent children are eligible for covered-in-full polycarbonate prescription
lenses
Dependent children are eligible for covered-in-full
polycarbonate prescription lenses
Frames are covered in full1 up to the retail allowance of $150
Frames are covered in full1 up to the retail allowance of
$70 at Costco3 and $150 at other affiliate locations
20% off any amount above the allowance
Offers and discounts vary
30% off unlimited additional pairs of prescription glasses and/or non-prescription
sunglasses4
Offers and discounts vary
15% off contact lens services, excluding materials
Contact lens services are a private transaction
Instead of eyeglasses, elective contact lens services and materials are covered up
to $150 toward any type of prescription contact lenses
Instead of eyeglasses, elective prescription contact lenses
are covered up to $150
Refit and replacement contact lens wearers may qualify for a covered- in-full5
contact lens exam and a six-month supply of approved lenses, including toric,
multifocal, and silicone hydrogel
Offers and discounts vary
Necessary contact lenses are covered in full1 for members who have specific
conditions for which contact lenses provide better visual correction.
Members may use their open access schedule
Discounts averaging 15-20% off or 5% off a promotional offer for laser surgery
including PRK, LASIK, and Custom LASIK6
Discounts averaging 15-20% off or 5% off a promotional
offer for laser surgery including PRK, LASIK, and Custom
LASIK6
Members who have had vision correction surgery can use their frame benefit for
sunglasses, instead of a pair of prescription glasses
Only available from a VSP Preferred Provider
Through VSP Open Access, members have the freedom to choose any provider. All providers can contact VSP directly to check eligibility and
submit claims to VSP on behalf of members.
Benefits
through VSP
Open
AccessSM
1
The following is the generous reimbursement schedule for services obtained from out-of-network providers – including local or national chains:
Eye Exam: $50
Single Vision: $50
Lined Bifocal: $75
Lined Trifocal: $100
Lenticular: $125
Progressive: $75
Frame: $70
Elective Contact Lenses: $150
Medically Necessary Contact Lenses: $210
Less any applicable co-pay.
Prices shown reflect the standard option price, prices on premium options may vary. Prices are valid only through VSP Preferred Providers and are subject to change without
notice.
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At Costco locations frames will be covered in full up to a $70 retail allowance, which is equivalent to a $150 allowance at other affiliate locations.
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30% discount applies to glasses purchased the same day as the member's eye exam from the same VSP Preferred Provider who provided the exam. Members will also
receive 20% off unlimited additional pairs of glasses valid through any VSP Preferred Provider within 12 months of the last covered eye exam.
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If a member selects a lens from a tier that is above their allowance they pay the difference. If a member selects a lens from a tier that is below their allowance, they may apply
the remaining balance toward additional contact lenses. This program is designed for standard fit members, VSP Preferred Providers will determine if a member qualifies.
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Using wavefront technology with the microkeratome surgical device only. Other LASIK procedures may be performed at an additional cost to the member. Laser VisionCare
discounts are only available from VSP-contracted facilities.
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Benefits Annual Rate
Benefits Annual Rate is used to calculate the associate's Disability coverage and Term Life Insurance amounts.
Benefits Annual Rate is defined as the associate's September 30 base pay annualized, plus any incentives,
bonuses, overtime and commissions received from October 1 through September 30. For new hires, Benefits
Annual Rate will equal the associate's annual salary.
Disability Program
The Disability Program provides protection for associates who become disabled and unable to work due to nonwork related illness or disability. If an associate exhausts his or her annual Short-Term Absence days and is
certified as disabled by our disability insurance carrier, The Hartford, the disability coverage will pay the
associate a percentage of his or her Benefits Annual Rate. Associates have two disability coverage options.
Option 1 is the 50% Disability Option, which is provided to associates at no cost. Option 2 is the 60% Disability
Option, which requires the associate to contribute a small percentage of the premium (based upon the associate’s
Benefits Annual Rate). The benefit is not subject to taxes or other withholdings since premium payments are
made with after-tax dollars.
All eligible associates, after the first 90 days of service,
are eligible for up to 40 Short-Term Absence days per
calendar year. On the 41st day of illness or injury,
associates are eligible to receive disability pay if they
are certified as “disabled” by The Hartford.
BENEFIT AMOUNT OPTIONS

50% of associate’s Benefits Annual Rate

60% of associate’s Benefits Annual Rate
Term Life Insurance Program
Each eligible associate receives two times his or her Benefits Annual Rate in basic Term Life Insurance coverage.
The Company pays for this basic coverage in full. Associates can choose one to six times coverage in
supplemental Term Life Insurance. The maximum coverage available (basic coverage plus supplemental
coverage) is $2 million. If an associate elects coverage greater than $1 million, he or she must provide our
insurance carrier, The Hartford, with evidence of good health and
insurability before the coverage above $1 million can become effective.
SUPPLEMENTAL COVERAGE
Associates may only increase their coverage one level per year.
AMOUNT OPTIONS
Associates may change their beneficiary designations at any time.
If an associate’s basic and supplemental coverage totals more than
$50,000, federal tax law requires that only the premiums for the first
$50,000 can be paid for on a tax-free basis. The cost of coverage over
$50,000 is taxable. The associate’s reported taxable income would be
adjusted for the cost of coverage over the $50,000 limit.
No coverage
1 x Benefits Annual Rate
2 x Benefits Annual Rate
3 x Benefits Annual Rate
4 x Benefits Annual Rate
5 x Benefits Annual Rate
6 x Benefits Annual Rate
Dependent Life Insurance Program
Associates may elect coverage for their spouse, Domestic Partner, and/or dependent children. The associate’s
dependent children are eligible from birth until the end of the month in which they reach age 26. All dependent
coverage is paid on an after-tax basis. The associate is the beneficiary for all Dependent Life Insurance coverage.
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Associates may elect coverage for their spouse or Domestic Partner in $10,000 increments up to $200,000. In
addition, associates may select from coverage levels of $7,500, $10,000 or $15,000 for dependent children.
Accidental Death and Dismemberment Program
Associates have the option of purchasing Accidental Death and Dismemberment (AD&D) insurance, which
provides additional insurance coverage. The death benefit is paid directly to the designated beneficiary(ies) if the
associate dies as the result of an accident. A percentage of the total benefit amount is paid to the associate if he or
she suffers certain dismembering injuries, such as the loss of an arm, leg, hand, foot or sight.
Associates may elect AD&D insurance in $10,000 increments up to a maximum coverage amount of $500,000 or
10 times their Benefits Annual Rate, whichever is lower.
Associates have the option of taking coverage on themselves only or their entire families.
Flexible Spending Accounts
BB&T offers three types of Flexible Spending Accounts (FSA): a Health Care FSA, a Dependent Care FSA, and
a Transportation Spending Account. These spending accounts are voluntary plans that allow associates to
contribute money on a pre-tax basis to reimburse themselves for any qualifying out-of-pocket health care
expenses, dependent care expenses (before- and after-school expenses), and/or transportation expenses. The FSAs
are a great way to get a “discount” on qualified health care, dependent care, and transportation expenses that are
not paid by any of the other benefit plans. The amount of the discount is equal to the associate’s income tax rate.
Associates who enroll in the Select Option or decline medical coverage are eligible to participate in a
Health Care FSA. Any benefits-eligible associate may enroll in a Dependent Care FSA (associates who
participate in the Consumer Option may participate in a Dependent Care FSA but may not participate in a Health
Care FSA). Any benefits-eligible associate who relies on methods other than their personal automobiles to
commute to and from work may participate in the Mass Transit Transportation Spending Account.
Participants may contribute up to $2,550 per year to the Health Care FSA and up to $5,000 per year to the
Dependent Care FSA. However, married participants filing separate tax returns are limited to contributing up to
$2,500 a year to a Dependent Care FSA.
Participants can use the BB&T Benefit Access VISA® Debit Card to avoid paying for qualified expenses out of
pocket and waiting for reimbursement checks. Claims and receipts need to be submitted as proof that FSA funds
are being used for qualified expenses.
Note: Associates who elect Domestic Partner coverage will not be able to use money they contribute to an FSA to
cover their Domestic Partner or his or her dependents. Federal regulations prohibit individuals from using pretax dollars to cover a Domestic Partner or the dependents of a Domestic Partner.
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BB&T Helping Associates Take a Proactive Approach to Health Care
At BB&T, we encourage our associates to take a proactive approach to achieving and maintaining better health.
This begins with a personal understanding of their current health status and continues as they work toward goals
and utilize resources available to them. BB&T helps promote a proactive approach to health care through the
following:
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Medical Eligibility Requirements
Rival Fusion Program
LifeForce Program
Disease Management Program
These programs are in place solely to help our associates remain active participants in their own health care
management; these Programs will not reduce the benefits receive under the BB&T Flexible Benefits Plan. BB&T
contracts with outside providers for the programs and therefore does not have access to any confidential health
information. The Medical Eligibility Requirements and the Disease Management Program work in conjunction
with the BB&T Medical Program. The Medical Eligibility Requirements are mandatory to continue medical
coverage if elected. The LifeForce Program and Rival Fusion Program are optional.
By participating in these programs and working toward better health, associates can help lower the amount they
pay for health care services each year. Through Benefits Orientation associates learn more about these programs
and the incentives available. These incentives (which vary depending on the program) can include premium
reductions, health assessments and/or counseling at no cost, and prizes.
Employee Assistance Program
BB&T offers Employee Assistance Program (EAP) services to help associates meet a variety of life's challenges.
The EAP is administered through MHN and available to all regular associates (not temporary or contract
associates). Services include:
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Clinical counseling
Daily living services
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Legal Services
Online Member Services
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Childcare assistance
Eldercare assistance
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Identity Theft Recovery Services
Work and life services
Retirement Programs
The BB&T Corporation 401(k) Savings Plan
One of the most valuable benefits BB&T offers its associates is the BB&T Corporation 401(k) Savings Plan. The
following outlines some of the Plan features:
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
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Regular associates are eligible to participate in the Plan on their first day of employment.
BB&T provides a 100% match on up to 6% of an associate's compensation per pay period once the
associate completes 12 months of service with 1,000 hours worked and is at least age 21.
Contributions are made on a pre-tax and/or after-tax basis.
Associates are immediately 100% vested in BB&T's matching contributions.

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
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Associates can invest up to 50% of their compensation (contributions are subject to legal restrictions).
Earnings on pre-tax contributions are tax-deferred until the associate withdraws their money.
Earnings on after-tax contributions are tax-free if taken at age 59 ½ or later from an account held for five
or more years.
The Company stock portion of the BB&T 401(k) Savings Plan is designated as an ESOP (Employee
Stock Ownership Plan).
A self-directed brokerage account is available to allow participants the opportunity to invest in a wider
range of investment choices.
The Plan offers a variety of investment funds.
Investment advice and professional account management through ProNvest (an independent registered
investment advisory firm).
Certain affiliates of BB&T Corporation (including CRC Insurance Services, Inc.; McGriff, Seibels and Williams,
Inc.; and AmRisc, LP) do not participate in the BB&T Corporation 401(k) Savings Plan and should refer to their
Summary Plan Description (SPD) for their 401(k) plans for more information.
The BB&T Corporation Pension Plan
The BB&T Corporation Pension Plan is a defined benefit plan funded entirely by the Company. Associates who
are age 21 or older become participants in the Pension Plan after completing 12 consecutive months of service in
which they have performed at least 1,000 hours of service (generally, associates scheduled for 20 or more hours
each week).
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
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Participants are 100% vested after five years of service.
Participants can access their benefit as early as age 55 with 10 years of qualifying service.
Average compensation is calculated by taking the average of the five highest consecutive years' Total
Compensation in the participant's last 10 years worked, taking IRS limits into consideration.
Certain affiliates of BB&T Corporation (BB&T Securities, LLC; CRC Insurance Services, Inc; McGriff, Seibels
and Williams; AmRisc, LP; BB&T Insurance Services of California; Precept Insurance Solutions, LLC; and
Crump Life Insurance Services, Inc) do not participate in the pension plan.
Banking Benefits
BB&T associates are eligible to receive benefits from all banking areas, including personal checking, savings,
mortgage, lending, insurance, and investments. Several of these benefits are listed below:
Retail Deposits:
 Free tiered interest-bearing Elite Gold checking account, which comes with a free Bright Banking and
Regular Savings or Money Rate Savings account with no maintenance fees and no minimum balance
requirements
 Associates with children who are students receive a Free Student Account
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Related Deposit Services:
 Free personalized wallet-style, duplicate or top-stub checks in any design
 Four no-fee non-BB&T ATM transactions per statement cycle
 Free Mobile Banking and Mobile Check Deposit
 $40 annual discount on any size Safe Deposit Box (subject to availability)
 Bonus Rates on select CDs and IRAs
 No-penalty CD withdrawals
 Discount on The Plus Package and Identity Protection
 Preferential Rate on Constant Credit
 No-fee official checks and money orders
 No-fee Automatic Transfers
Voluntary Benefits
BB&T offers all eligible associates the opportunity to purchase Critical Illness Coverage and/or Group Accident
Insurance. The BB&T Critical Illness Coverage Plan and the BB&T Group Accident Insurance Plan are not part
of the BB&T Flexible Benefits Program.
BB&T University
BB&T has a strong commitment to the education and development of its associates, and that commitment is
executed daily through the BB&T University. The BB&T University curriculum encompasses a broad range of
educational opportunities offered to BB&T associates, as well as the Leadership Development Program and the
BB&T Banking School. The curriculum includes over 150 classes, workshops, labs and e-learning sessions. A
sample of learning opportunities offered to associates includes:
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Business Loan Decision Strategy
Commercial Real Estate
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BB Fundamentals For Experienced Tellers
Retail Deposit Operations Training
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Managing Change
Managing Interpersonal Relationships
Presentation and Communication Skills
Leadership I, II and III
Quality Philosophy
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Retail Credit Overview
Advanced Retail Credit Products
Problem Resolution
Creativity and Innovation
At BB&T, we believe that knowledge, properly applied, is a key to our continued success in the financial services
industry. Today, associates are expected to perform skills that apply directly to their job functions, practice skills
that enhance their performance, and keep up with constantly changing technology. The BB&T University is
committed to helping associates achieve success in their jobs. In fact, training associates so they are competent to
perform the work asked of them is one of our key obligations to our associates at BB&T.
Creating Excellence in Associate Education and Development
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This information is intended to provide you with an overview of the BB&T
benefits plans, retirement plans, training programs, vacation policies and
Short-Term Absence Pay policy. This guide should not be construed as a
contract. The Company reserves the right to make changes in context or
application as it deems appropriate, and these changes may be implemented
even if they have not been communicated or reprinted.
The complete details of the plans are contained in the plan documents and
insurance contracts. If a discrepancy occurs, the actual plan documents will
prevail.
BB&T is an Equal Opportunity Employer
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REV. 1/9/2015