BB&T sees Q1 average total loan growth approximately 2%-3% Says loan demand improving. Says growth in other lending subsidiaries expected to remain seasonally slower due to premium finance in Q1 before accelerating in Q2. Sees continued growth in all client deposit balances during 2014. Sees net charge-offs remaining modestly below normalized range of 50-70bps for the foreseeable future, sees NPAs declining "modestly" in Q1. Says core margin expected to be "relatively stable" following impact of securities build, says remains well positioned for rising rates. Says noninterest expense "peaked" in 2013, expected to trend lower in 2014; sees positive operating leverage in 2014. Comments from slides that are being presented on the Q4 earnings conference call.