*Outstanding balances on your new line of credit after the loan closing date will be calculated at the variable rate of Prime plus 0% for the life of the loan (currently 5.00% 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. Client must possess a Beacon Score of 680 or greater and the maximum loan-to-value 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 June 1, 2008, the Prime Rate is listed at 5.00%. 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. Interest may be tax-deductible; consult your tax advisor. 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 a loan closing, a qualified BB&T packaged checking account (Legacy, Private Elite, Elite Gold, Classic Banking, Access Banking or BB&T@Work).

**For a loan or line of $250,000 or less, BB&T will pay up to $250 in closing costs on your behalf. The only exceptions will be those costs associated with either title insurance or a full outside appraisal (these items may not be required for loans less than $250,000). If you close your new loan within 36 months you may be required to remit the closing costs paid on your behalf.

BB&T, Member FDIC and an Equal Housing Lender . Loans are subject to credit approval.