Acquisition of Crump Group,inc. Life and Property and Casualty Insurance Operations
Forward-Looking Information
This presentation contains forward-looking statements with respect to the financial condition, results of operations and
businesses of BB&T. Statements that are not historical or current facts or statements about beliefs and expectations are forward-
looking statements. Words such as "anticipates," "believes," "estimates," "expects," "forecasts," "intends," "plans," "projects,"
"may," "will," "should," and other similar expressions are intended to identify these forward-looking statements. Forward-looking
statements involve certain risks and uncertainties and are based on the beliefs and assumptions of the management of BB&T,
and the information available to management at the time that this presentation was prepared. Factors that may cause actual
results to differ materially from those contemplated by such forward-looking statements include, among others, the following:
(1) general economic or business conditions, either nationally or regionally, may be less favorable than expected, resulting in,
among other things, a deterioration in credit quality and / or a reduced demand for credit or other services; (2) disruptions to
the credit and financial markets, either nationally or globally, including the impact of a downgrade of U.S. government
obligations by one of the credit rating agencies and the adverse effects of the ongoing sovereign debt crisis in Europe; (3)
changes in the interest rate environment may reduce net interest margins and / or the volumes and values of loans made or
held as well as the value of other financial assets held; (4) competitive pressures among depository and other financial
institutions may increase significantly; (5) legislative or regulatory changes, including changes resulting from the adoption and
implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, and changes in accounting
standards, may adversely affect the businesses in which BB&T is engaged; (6) local, state or federal taxing authorities may take
tax positions that are adverse to BB&T; (7) reduction in BB&T's credit ratings; (8) adverse changes may occur in the securities
markets; (9) competitors of BB&T may have greater financial resources and develop products that enable them to compete
more successfully than BB&T and may be subject to different regulatory standards than BB&T; (10) costs or difficulties related
to the integration of the businesses of BB&T and its merger partners may be greater than expected; (11) unpredictable natural
or other disasters could have an adverse effect on BB&T in that such events could materially disrupt BB&T's operations or the
ability or willingness of BB&T's customers to access the financial services BB&T offers; (12) expected cost savings associated
with completed mergers and acquisitions may not be fully realized or realized within the expected time frames; and (13) deposit
attrition, customer loss and/or revenue loss following completed mergers and acquisitions, may be greater than expected.
These and other risk factors are more fully described in BB&T's Annual Report on Form 10-K for the year ended December 31,
2010 under the section entitled "Risk Factors Related to BB&T's Business," its Quarterly Report on Form 10-Q for the quarter
ended June 30, 2011 under the section entitled, "Item 1A. Risk Factors" and from time to time, in other filings with the
Securities and Exchange Commission. You are cautioned not to place undue reliance on these forward-looking statements, which
speak only as of the date of this presentation. Actual results may differ materially from those expressed in or implied by any
forward-looking statements. Except to the extent required by applicable law or regulation, BB&T undertakes no obligation to
revise or update publicly any forward-looking statements for any reason.
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