1. CarePlus Benefits Exchange Introduction

2. Introducing CarePlus Benefits Exchange The CarePlus Custom Benefits Exchange –Priced right –Provide your employees and their families with comprehensive benefits and valuable health, wellness, and financial tools –Available to groups of 250 or more employees –Fully insured and self-insured plans –Designed for employers who want to customize their benefits platform based on their organization’s unique goals and objectives. –Goes beyond the traditional benefits offered in our Standard Exchange and includes: Health promotion programs Case and care management Clinical oversight Healthy living incentives and management programs for wellness Personalized communications to your employees about their health status A full spectrum of ancillaries 2

3. Does It Seem Like You Only Have Three Choices Every Year? Pass more costs onto employees Cut or decrease benefits Spend even more on benefits 3

4. Employees Have Different Needs A “one-size-fits-all” solution doesn’t meet those needs. Traditionally, everyone gets a PPO plan, basic dental and company-paid life Mike Cost: $650 “I don’t really go to the doctor very much. I want to spend as little as possible on premiums. I haven’t built up much in savings, so if I get sick and I’m not getting paid, I need a source of income.” Jane Cost: $650 “My favorite doctor doesn’t accept insurance. I’d like to quit smoking, and I do worry about cancer, as it runs in my family. John & Family Cost: $1,800 “My son has asthma, so we see the doctor often. I don’t want to think about how much I spend each time. I need to protect my family in case something happens to me.” 4

5. CarePlus Benefits Exchange Makes it Easy for Employees to Translate Those Needs into a Personalized Benefits Portfolio 1 Employers choose the carrier partners and defined contribution plan 2 Employees have access to a benefits portal to learn about the choices. 3 They get guided enrollment, educational information 4 They pick their portfolio of plans from a range of choices 5

6. It’s About the Right Choices for Each Person or Family Now, everyone got what they wanted and total savings are $575 Mike Previous Cost: $650 With the CarePlus Benefits Exchange: $550 HDHP Health Plan with HSA Long-Term Disability Short-Term Disability Basic Dental Accident Jane Previous Cost: $650 With the CarePlus Benefits Exchange: $675 POS Health Plan Critical Illness Wellness Transit FSA John & Family Previous Cost: $1,800 With the CarePlus Benefits Exchange: $1,300 HMO Health Plan (copay) Long-Term Disability Life Vision Telemedicine Enhanced Dental 6

7. CarePlus Benefits Exchange Helps Manage Benefits Year-Round Services Delivered: Toll-free telephone number and email address Trained, professional resource team to provide support Multilingual capabilities Solutions and Technology that Will: Increase accessibility to information Create better-educated employee/consumer Reduce enrollment time and errors Provide a streamlined process Increase satisfaction High-TechmeetsHigh-Touch Benefits Portal (self-service) COBRA System (self-service) Enrollment System (self-service) FSA System (self-service) 7

8. The CarePlus Benefits Exchange: A Winning Combination for Everyone EmployerEmployee Better benefits budgeting Improved benefits administration More satisfied employees The coverage your employees want Enrollment and ongoing benefits assistance Increased staff engagement 8 Insurance products and services are offered by BB&T Insurance Services, Inc. and McGriff Seibels & Williams, Inc., both of whom are subsidiaries of BB&T Insurance Holdings, Inc. CarePlus is a brand of F.B.P. Insurance Services, LLC, CA license #0747466. BB&T Insurance Services, Inc., CA license #0C64544. Precept Insurance Solutions, LLC, CA license #0747466. McGriff, Seibels & Williams, Inc., CA license #0E83682. © 2014, Branch Banking and Trust Company. All rights reserved. Insurance.BBT.com