*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 with a required initial advance of $5,000 or greater. To qualify for this rate, client must possess a Beacon Score of 680 or greater, a maximum loan-to-value for this loan of 80% or less and a property value of $250,000 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 January 1, 2009, the Prime Rate is listed at 3.25%. Annual Percentage Rate 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. This special offer is available to clients who currently have or will obtain at loan closing, a qualified BB&T packaged checking account (Legacy, Private Elite, Elite Gold, Classic Banking, Access Banking, or BB&T@Work). Interest may be tax-deductible; consult your tax advisor. Equal Housing Lender. Member FDIC.