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Terms:

Offer valid 10/28/09 – 5/31/10 and is subject to change or be withdrawn at any time without notice. Offer only valid for Food Lion MVP customers who open a new personal checking account at a participating BB&T location within North Carolina, and accounts opened online through BBT.com/FoodLion with promo code AEPAN. This offer cannot be combined with any other offer or promotion. MVP card number required. For new accounts opened in a BB&T financial center, $10 Food Lion gift card will be given to the client at time of account opening. For new accounts opened online, $10 Food Lion gift card will be mailed to the client 3-4 weeks after initial deposit. Limit one gift card per account. Account must be in good standing with a positive balance to receive gift card. Free checking accounts include BB&T Free and BB&T Student Free. All other accounts are subject to minimum balance requirements or monthly maintenance fees. For illustrative purposes only, a personal Classic Banking account opened through BB&T financial centers in North Carolina earns 0.02% Annual Percentage Yield (APY) on all balances. Fees may reduce earnings. Rates are accurate as of 10/2/09 and are subject to be changed without notice. Actual APY may vary according to state, account and balance in the account. All standard account opening procedures and disclosures may apply. No minimum balance requirement to obtain gift. Value of the gift may be reported to the IRS as required by law and a 1099-INT may be filed.