Expertise and Products to help Improve Cash Flow.

1. INFO
RMATION MANAGEM
ENT
Payments
received,
posted &
exceptions
processed
Payment
deposited
Returns
processing
Funds
available
Customer
sends
payment
Orders placed for
raw material /
inventory
Invoice sent
from supplier
Invoice
received
Invoice
matching &
validation
Payment
released
Payment
received by
supplier /
employees
Funds
debited
Point of sale
order received from
customer
Invoice sent
to customer
Customer
receives
invoice
Records updated
& accurate
RECEIVABLES
P A Y A B L E S
LIQUIDITY
Credit Funding
Activities
Records updated
& accurate
CHANNELS
LIQUIDITY
Deposit Investment
Activities
PA YA B L E S
BB&T Treasury Management
BB&T makes businesses more efficient and effective by streamlining and
implementing payments processes. BB&T Payment Solutions consultants
can help your business optimize the payments cycle.
BB&T MINIMIZES:
n Borrowing Costs
n Administrative Costs
n Time and Stress Spent
on Cash Management
AND MAXIMIZES:
n Cash Balances
n Investment Earnings
n Security
n Cash Flow
To learn more, visit BBT.com/treasuryservices

2. Payables
Take control of payables to maximize your time.
n Direct Deposit – Streamline the payroll process and reduce
costs. Eliminate the risks and hassles associated with lost and
stolen checks. Give employees faster access to payments.
n MyLink Cards – Perfect for employees that do not have or
do not qualifyfor bank accounts. Allowsfor automation. Pay
all employees with one ACH file.
n Wire – Initiate wires via BB&T CashManager OnLine®,
through telephone or standing order wires, all at lower rates
than branch-initiated wires. Provides near real-time pay-
ment.
Receivables
Improve billing processes to receive payments faster.
n Preauthorized Draft – Automatically charge customers or
members at regularly recurring intervals via preauthorized
ACH drafts. Create a faster, less expensive, paperless billing
process.
n OnSite Deposit – Deposit checksfrom the office with same-
day credit until 9 p.m. ET. Take advantage of online image
viewing and improved recordkeeping.
n Wholesale Lockbox – Have checks mailed directly to the
bank insteadof a business. Experiencefasterfunds availability.
View check imagesonline and receive same-day confirmation
of payments.
Liquidity
Keep your moneywhere it makes the most sense.
n Credit LineSweep – Reduce borrowing costs.Automatically
fund transaction account when needed. Automatically pay
down credit line with excess funds.
Liquidity (continued)
n Sweep Advantage – Automatically invest excess funds to
maximize earnings. Automatically transfer funds back to
transaction account when needed.
n Zero Balance Accounts – Streamline account funding and
recordkeeping. Concentrate funds in master account for
optimum liquidity. Maintain zero balance in transaction
accounts. Reduce overdraft risk.
Information Management
Access recordswhen you need them.
n CashManager OnLine® – Access accounts and process
transactions anytime, anywhere. Reduce trips or calls to the
financial center for account information. View images of
paid items. Receive custom alerts about transactions. Initi-
ate wires, ACH, transfers, and positive pay decisions online.
n CD-ROM Check Imaging – Receive paid check images on
a CD-ROM each month instead of canceled paper checks.
Eliminate storage of paid checks. Store checks in an electronic,
easily sortable format.
Fraud Prevention
Protect your business to avoid costly fraud.
n Positive Pay – Reduce check fraud by comparing paid check
and presented check information. Deny paymentoffraudulent
checks.
n Reverse Positive Pay – Identify fraud faster and improve
the chances of recovering funds. Improve accuracy of paid
checks.
n ACH Block – Prevent unauthorized ACH drafts from
transaction accounts.
BB&T offers a full complement of Treasury Management products. Below are some of the most popular options. BB&T Payment
Solutions consultants can create customized solutions for your business.
Comprehensive Solutions
POD_3560036 Rev. 2-1-13
BBT.com
Overall Satisfaction • Sales Specialist Performance • Product Capabilities • Customer Service • Accuracy of Operations
The 2011 Greenwich Associates Commercial Banking Study is with companies with sales of $1MM to $500MM and is based on nearly 25,000 interviews.
Branch Banking and Trust Company, Member FDIC.
© 2013, Branch Banking and Trust Company. All Rights Reserved.
Winner of 17Greenwich ExcellenceAwards for Business Banking,
including seven in the followingTreasury Management categories: