This rate is available on lines of credit of $200,000 and above. Other rates are available for lines of credit in amounts below $200,000, minimum line amount is $5,000. Title insurance required on lines greater than $750,000, the cost of which is to be paid by the Customer. Loan-to-value ratio not to exceed 85% on loans and lines up to $500,000. Loan-to-value ratio not to exceed 80% on lines and loans greater than $500,000. Available on 1 – 4 family primary and secondary residences. $90 origination fee applies. The Home Equity Line is a variable-rate line of credit. The rate is equal to the Prime Rate as published in The Wall Street Journal minus 1.01%, and is subject to change. Prime as of 7/15/2008 was 5.00%. The maximum lifetime rate will not exceed 18%. Proof of property insurance required. On Interest-Only loans and lines, monthly payment will increase after the Interest-Only term ends. Ask us for more details.

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