Exhibit 99(d) STOCK OPTION AGREEMENT THIS STOCK OPTION AGREEMENT (this "Agreement") is made and entered into as of July 9, 2001 by and between COMMUNITY FIRST BANKING COMPANY ("Community First" or "Issuer"), and BB&T CORPORATION, a North Carolina...Stock Option Agreement • September 21st, 2001 • Bb&t Corp • National commercial banks • North Carolina
