Regional Acceptance Corporation Joins RouteOne and Reduces Loan Processing Fees for RouteOne Deals

FARMINGTON HILLS, Mich., Jan. 20, 2010 -- RouteOne LLC announced today that it has completed integration with North Carolina-based Regional Acceptance Corporation. Dealers may now process credit applications electronically to Regional Acceptance through the RouteOne platform and enjoy a reduced fee - now normalized across all of Regional Acceptance credit channels.

Regional Acceptance is a wholly owned sub-prime auto lending subsidiary of BB&T Corp., a financial holding company with assets in excess of $110 billion, headquartered in Winston-Salem. Regional manages business operations in six regions, with approximately 25 branch offices in 23 states.

"We are extremely pleased to welcome Regional Acceptance Corporation to the RouteOne platform," said Mike Jurecki, RouteOne CEO. "They are a very significant participant in the auto finance industry, and one that is continually requested by our dealer customers. Their national coverage allows us to make the financing process even easier for our dealer users. Further, the reduction of their loan process fees for deals originated on RouteOne demonstrates their commitment to supporting our shared customers' business - we are extremely pleased to have them participating on our platform."

"Our integration with RouteOne greatly expands our ability to service our dealers," said Fred Reherman, Senior Vice President, Regional Acceptance Corporation. "We pride ourselves on personalized dealer service and satisfaction, and our integration with RouteOne, where dealers will now enjoy a fee consistent with all other channels, will certainly enhance our servicing capacity. We look forward to utilizing RouteOne to assist in strengthening our dealer relationships."

ABOUT ROUTEONE

RouteOne was formed in 2002 by Chrysler Financial, Ford Motor Credit Company, GMAC, and Toyota Financial Services to create a more streamlined credit application for automobile dealers and their customers. Providing access to more than 21,500 dealers in North America, RouteOne's web-based system allows automotive dealers to submit credit applications to the largest indirect lenders, request credit reports, and increase profitability with RouteOne's free Dealer Reporting Suite. RouteOne's open integration business model also allows the dealer to integrate with their choice of a wide variety of best in class providers, including DSPs, CRM systems, F&I modules and menu providers. RouteOne offers dealers a common platform for all their credit application financing needs. More information is available at www.routeone.com.

ABOUT REGIONAL ACCEPTANCE CORP.

Regional Acceptance manages business operations in four regions and approximately 25 branch

offices in 23 U.S. states. BB&T Corp. acquired Regional in 1996. Winston-Salem-based BB&T Corporation and its subsidiaries offer full-service commercial and retail banking and additional financial services such as insurance, investments, retail brokerage, corporate finance, consumer finance, treasury services, international banking, leasing and trust. BB&T operates more than 1,400 financial centers in the Carolinas, Virginia, Maryland, West Virginia, Kentucky, Tennessee, Georgia, Florida, Alabama, Indiana and Washington, D.C. With $109.2 billion in assets, BB&T Corporation is the nation's ninth largest financial holding company. More information is available at www.BBandT.com.