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Copyright © 2004, de Garmo & Kelleher. All rights reserved.

de Garmo & Kelleher is a division of BB&T Asset Management, Inc., a subsidiary of BB&T Corporation.  Securities and other investments held in investment management or investment advisory accounts at BB&T Asset Management, Inc. are not deposits or other obligations of BB&T Corporation, Branch Banking and Trust Company or any other bank or savings institution, are not guaranteed by Branch Banking and Trust Company or any other bank, are not insured by the FDIC or any other government agency, and are subject to investment risk, including possible loss of principal invested.