*Annual Percentage Rate (APR) effective as of 5/19/2011. Initial Draw of $25,000 is required at closing. After the initial 12-months the rate is variable and based on the Prime Rate as published in the Wall Street Journal on the last business day of the month with a floor of 4.00% and a ceiling of 18%. Rates and terms subject to change without notice. 1-3 family owner occupied properties excluding mobile homes. Property insurance is required and flood insurance may be required on property securing the line of credit. 80% maximum combined loan-to-value; appraisal may be required. Closing costs may apply in some situations. Annual fee of $50. Early termination fee of $500 applies for lines closed within the first 24 months. Additional fees applicable if secured by first mortgage. Consult your tax advisor regarding deductibility of interest.

Current prime rate: 3.25%.