TODAY'S RATES: Home Equity Adjustable Rate
Loan to Value Ratio	Term	Rate	Annual Percentage Rate (APR)
LTV Up To 80%	Maximum 25 years	3.50% for the first year	Prime plus 0% after first year
LTV 80.01%-85%	Maximum 25 Years	4.25% for the first year	Prime plus 1% after first year

TODAY'S RATES: Home Equity Fixed Rate
Loan to Value	Term	Annual Percentage Rate (APR)
Up to 50% (up to 10 years)	Up to 10 years	4.00%
Up to 80% (5 Year)	5 Year	5.75%
Up to 80% (10 Year)	10 Year	6.25%
Up to 80% (15 Year)	15 Year	6.50%
Up to 80% (20 Year)	20 Year	6.50%
80.01-85% (5 Year)	5 Year	6.50%
80.01-85% (10 Year)	10 Year	7.25%
80.01-85% (15 Year)	15 Year	7.50%
80.01-85% (20 year)	20 Year	8.00%

Adjustable Rate Disclosure
Rates adjust annually, 2% annual cap, 14.9% lifetime cap, rate floor is 4.00% (except for intro rate on some lines).
The minimum loan amount is $5,000.  Rates accurate as of today - *Max loan = $350,000
Prime rate is 3.25%, effective 12/17/08.

Fixed Rate Disclosure
Max loan = $350,000
All rates locked in at time of application. Rates accurate as of today -