*Subject to credit approval. Offer based on a term up to 60 months. This rate offer may change at any time. Other rates and terms available. Rates on requests to refinance existing BB&T debt may be higher. To be eligible for this special rate, a client must possess a Beacon Score of 700 or greater and be approved for a loan of $15,000 or more. For requests where the property value is $250,000 or less, the maximum loan-to-value (LTV) associated with this special rate is 80%. For property values above $250,000, the maximum loan-to-value (LTV) associated with this special rate will be lower. For comparative purposes, at an APR of 4.49%, a client who finances $20,000 with a 0% origination fee and an amortization of 60-months would remit payments of $372.86 per month. Property, and if applicable, flood insurance must be in effect on the property being secured. This offer is limited to owner-occupied, single family dwellings and is not valid for rental properties, cooperatives, mobile homes, or residential lots.

**For home equity requests entered online and where the proposed collateral is located in NC, MD or DC, BB&T will remit the closing costs on a client's behalf. For online requests submitted from clients in all other states, BB&T will pay up to $250 in closing costs. 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 close 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 BB&T Home Equity Lines unless you live in the following states: GA, FL, KY, and IN, where there is a $50 annual fee. BB&T's standard 1% origination fee for a home equity loan will be waived if the client possesses a Beacon Score of 700 or greater and is approved for a loan of $15,000 or more. For requests where the subject property is valued at $250,000 or less, this offer is only applicable when the loan-to-value (LTV) is 80% or less. For property values above $250,000, the maximum LTV associated with this offer may be lower.

^†Outstanding balances on your new line of credit will be calculated at a standard variable APR of Prime Rate plus 1.00% for the life of the loan (currently 4.25% APR). 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. Client must possess a Beacon Score of 700 or greater, and the maximum loan-to-value (LTV) for this loan must be 80% or less. Certain conditions and restrictions may apply. All rates are variable and subject to change at any time without notice and may be higher or lower than the rate currently offered. Prime Rate is a variable rate based on the Prime Rate established on the first day of each month in the Eastern Edition of The Wall Street Journal. As of February 8, 2010, the Prime Rate is listed at 3.25%. APR will not exceed 18.0% or the maximum permitted by state law, whichever is less. This is a limited time offer available on new Home Equity Lines only. There is a $50 annual fee in GA, FL, KY, and IN. 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.

^‡ Consult your tax advisor for details.