BB&T is a financial holding company headquartered in Winston-Salem, North
Carolina. BB&T conducts its business operations primarily through its bank
subsidiary, Branch Bank, and other nonbank subsidiaries.
Principal operating subsidiaries include the following:
� Branch Banking and Trust Company, Winston-Salem, North Carolina
� BB&T Securities, LLC, Richmond, Virginia
� Regional Acceptance Corporation, Greenville, North Carolina
� American Coastal Insurance Company, Davie, Florida
� Sterling Capital Management, LLC, Charlotte, North Carolina
Branch Bank, BB&T�s largest subsidiary, was chartered in 1872 and is the oldest
bank headquartered in North Carolina.