^*The rate provided is for first lien requests and may change without notice. Other rates and terms are available, and requests to refinance existing BB&T debt may be higher. For first lien requests where the property value is $1 million or less, the maximum LTV is 80%. Other qualifications and requirements apply. For purposes of comparison, a consumer who finances $20,000 at a term of 60 months and at an annual percentage rate of 3.49% would remit 60 payments of $363.75. For purposes of comparison, a consumer who finances $50,000 at a term of 180 months and at an annual percentage rate of 3.99% would remit 180 payments of $369.59. These payments do not include tax or insurance costs; the total payment obligation may be higher. Property and, if applicable, flood insurance must be in effect on the property being secured. Rates are for owner-occupied single-family residences and not valid for rental properties, manufactured homes, residential lots, cooperatives or properties held in trust.

^**The rate provided is for first lien requests and may change without notice. Prime Rate is a variable rate based on the Prime Rate published on the first day of each month in the Eastern Edition of The Wall Street Journal. As of November 1, 2011, the Prime Rate is 3.25%. The annual percentage rate offered of 3.75% is a variable rate, and is subject to change. The maximum rate that you can be charged is 18% or the maximum permitted by state law, whichever is less. There is no origination fee charged to open a BB&T Home Equity Line. Other fees may be charged at origination, closing or subsequent to closing, ranging from $0 to $750, and may vary per state. Balances on your new home equity line of credit will be calculated at a standard variable APR of Prime Rate plus 0.50% for the life of the loan. This offer is subject to credit approval and is based on a minimum line amount of $25,000. Rates on requests to refinance existing BB&T debt may be higher. This is a limited time offer available on a new BB&T Home Equity Line of Credit only. Property insurance, and flood insurance where applicable, may be required. This offer is limited to owner-occupied, single family dwellings and is not valid for rental properties, cooperatives, mobile homes, or residential lots.

^†BB&T will pay closing costs for all applications received online. The only exceptions will be the costs associated with title insurance or a full outside appraisal (these items typically not required for loans less than $250,000), or any intangible, county, or state taxes. If you pay off your BB&T Home Equity Line of Credit within 36 months from the date of loan origination, you may be required to remit the closing costs that BB&T paid on your behalf. There is no annual fee on a BB&T Home Equity Line of Credit unless you live in the following states: AL, GA, FL, KY, and IN, where there is a $50 annual fee. For first lien requests, BB&T will currently waive the origination fee on BB&T Home Equity Loans.

^‡Consult your tax advisor for details. A 1098 will be issued as required by law.

^††No Origination Fee offer may not be available when refinancing existing BB&T debt.