Here's how it works:

* Businesses earn 1 point for every dollar spent (includes a 1,000-point
sign-up bonus)
* For 10,000 points, they earn $100 in merchandise (with additional
categories of merchandise up through 120,000 points)
* 12,000 points - $100 gift certificate for shopping, dining and
entertainment or $100 toward hotel stays, car rentals, cruises and
vacation packages
* 15,000 points - $125 gift certificate toward cost of an airline ticket
* 35,000 points - roundtrip airfare in continental United States
* 45,000 points - add Alaska, Mexico and Canada
* 70,000 points - add Hawaii, Europe and South America
* 100,000 points - add Asia and Australia

"This is a product designed to provide even more value to our business
clients," said Bud Tremblay, manager of BB&T's Bankcard & Merchant Services
division. "Hard-working small business owners and their employees certainly
deserve any rewards we can offer."
Businesses can track points online or by calling a toll-free number.
Points are awarded to the company rather than the individual cardholder and
expire after three years.
The BB&T Business TravelPoints annual membership fee is $59. To sign up,
visit any BB&T branch. Or for more information, call the Commercial Card
Client Service Center at 1-800-397-1253.
The BB&T Visa Business Credit Card is accepted at more than 28 million
vendors worldwide and more than 627,000 Visa ATMs in 144 countries. It also
offers free reporting options, security protection, expanded warranty periods
and 24-hour travel assistance among several other benefits.
BB&T Credit Card Connection offers cardholders online access to their
accounts with detailed transaction information.
For the past five years in a row, BB&T has been named one of the top two
"small business-friendly" financial institutions in the nation by the U.S.
Small Business Administration.
Winston-Salem, N.C.-based BB&T Corporation operates more than 1,100
banking offices in the Carolinas, Georgia, Virginia, Maryland, West Virginia,
Kentucky, Tennessee, Florida, Alabama, Indiana and Washington, D.C.
With $79.6 billion in assets as of March 31, BB&T Corp. is the nation's
14th largest financial holding company. BB&T was recently named to the Forbes
Platinum 400 list of America's "Best Big Companies" for the fourth year in a
row.
BB&T and its subsidiaries offer full-service commercial and retail banking
and additional financial services such as insurance, investments, retail
brokerage, corporate finance, international banking, leasing and trust. More
information is available at http://www.BBandT.com.


SOURCE BB&T Corporation

BB&T Introduces Online Mortgage Service

WINSTON-SALEM, N.C., April 4 /PRNewswire-FirstCall/ - BB&T Corporation
(NYSE: BBT) today introduced its new Web-based mortgage monitoring service.
BB&T MortgageAccess offers clients a convenient and secure tool to manage
their mortgage online.
Using a Web browser and desktop or portable PC, clients can track their
current loan, escrow, tax and private mortgage insurance information. No
software is required.
"BB&T MortgageAccess is a valuable service to clients who need and want
access to their mortgage account information at any time they choose," said
Tim Day, manager of BB&T's Mortgage Lending Servicing department. "Our
clients have told us they wanted a more flexible and comprehensive way to
manage their mortgage with convenience and ease. With BB&T MortgageAccess, we
will meet that need."
BB&T MortgageAccess -- a free service to BB&T customers -- offers the
following features:

* Current loan information -- Payment information including year-to-date
principal and interest applied.
* Loan activity information -- Balances and monetary activity.
* Escrow information -- Escrow payment, balance and information on the
bills paid from escrow (if applicable).
* Mortgage tax information -- Property taxes and interest paid from the
previous year.
* Private Mortgage Insurance (PMI) -- How to determine if PMI can be
canceled (if applicable).

Currently, mortgage payments and other transactions may not be made
through BB&T MortgageAccess. However, customers can open a BB&T OnLine
account to take care of all their online bill payment needs. Mortgage
payments also can be made at any BB&T branch.
BB&T, the No. 1 mortgage originator in the Carolinas, retains servicing on
all its mortgage loans. Its mortgage loan portfolio is more than $30 billion.
In 2001, its mortgage loan production was a record $10 billion.

To register for BB&T MortgageAccess online, visit http://www.BBandT.com/mortgage.

Winston-Salem-based BB&T Corporation (NYSE: BBT), with $75.7 billion in
assets, operates more than 1,100 banking offices in the Carolinas, Georgia,
Virginia, Maryland, West Virginia, Kentucky, Tennessee, Alabama, Indiana and
Washington, D.C. It is the nation's 13th largest financial holding company.
BB&T and its subsidiaries offer full-service commercial and retail banking
and additional financial services such as insurance, investments, retail
brokerage, corporate finance, international banking, leasing and trust.

SOURCE BB&T Corporation