Loans and lines of credit offered through Branch Banking and Trust Company, Member FDIC and Equal Housing Lender. Subject to credit approval. † Minimum line size associated with this rate is $25,000. This offer is subject to credit approval under BB&T’s underwriting guidelines including qualifying lines with an 80% or less loan-to-value ratio and a line amount of $25,000 or greater. To qualify for these rates, client should also possess a Beacon Score of 700 or greater and have a debt-to-income ratio of 43% or less. Rates may be higher for clients with low “BNI” scores. This score is provided by the credit bureau, and is used to assess the likelihood of Bankruptcy being declared within a 24-month period. Certain other conditions and restrictions may apply. This offer is limited to owner-occupied, single family dwellings and is not valid for rental properties, cooperatives, mobile homes, or residential lots. Prime Rate is a variable rate based on the Prime Rate published on the fi rst day of each month in the Eastern Edition of The Wall Street Journal. As of April 1, 2014, the Prime Rate is 3.25%. The annual percentage rate offered of 3.25% 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 $1500, and may vary per state. A client opting to make interest-only payments on a outstanding balance of $25,000 would remit $67.71 per month at the advertised APR (3.25% variable APR). Other rates available. There is a $50 annual fee in AL, GA, FL, KY and IN. The special no origination fee offer may not be available for requests to refi nance existing BB&T debt. Property insurance, and fl ood insurance where applicable, may be required. A Texas resident that has fi nanced or refi nanced a homestead or home equity in the previous 12 months may not be eligible for another homestead or home equity loan based on state law.† † To receive the discounted introductory rate on a line of credit the client must take an initial draw at closing from the new line of credit of ≥$20,000. Initial balances of ≥$20,000 as well as any other outstanding balances on your new line of credit during the fi rst 12 months after loan closing date will be calculated at the introductory variable rate as low as 1.99% APR, which is 1.26% below the current rate of Prime + 0 (3.25% APR). After 12 months, your APR will revert to a standard variable APR of Prime Rate + 0% (currently 3.25% APR) for the remaining life of the line.*BB&T will pay the appraisal fee for a non-jumbo loan (less than or equal to $417,000 or $625,500 in select areas of Washington, D.C., and Northern Virginia). 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 appraisal fee or other closing costs BB&T paid on your behalf. The special no origination fee offer may not be available for requests to refi nance existing BB&T debt unless the loan amount is increased by at least 25 percent.**Consult your tax advisor regarding interest deductibility. A 1098 will be issued as required by law.© 2014, Branch Banking and Trust Company. All rights reserved.

All Markets_Rev. 4-1-14

It’s the perfect timeIt’s the perfect timeIt’s the perfect timeto unlock your home’s value.to unlock your home’s value.to unlock your home’s value.Now is a great time to take advantage of the low rates on our home equity lines of credit. BB&T can help provide the funds you need to make improvements to your home, take care of planned or surprise expenses, or save money by consolidating debt.

BENEFITS AND SAVINGS YOU WILL ENJOY:

■ No origination fees or appraisal fees*

■ Quick turnaround time, minimal paperwork and local closings

■ Flexible payment options

■ A fi xed option feature allowing a fi xed term, rate, and payment on all or a portion of your line

■ Interest may be tax-deductible**

Call or stop by your local fi nancial center today to fi nd out more!

expenses, or save money by consolidating debt.

Rates as low as

3.25%Variable APR† for the life of the line (Prime + 0%)

Rates as low as

1.99%Variable APR†† for 12 months with an initial

draw of $20,000 or more at closing then a variable APR of 3.25% (Prime + 0%) for the life of the line

Home Equity Lines of Credit

OR

Subject to credit and property approval