The fixed interest rates may be as low as 7.49% APR³

$10,000 - $100,000⁴

$15,000 - $250,000⁴

Years 1-5  draw period
Years 6-15 repayment period

1-15 years

90%

100%

Reusable credit line during draw period

Funds fully advanced at loan
closing

Access anytime by Internet.  Minimum e-check size $100

e-Check sent via Internet

Monthly statements during draw period and repayment period

Coupon book or e-ACH (automated e-withdrawal) requiring monthly payment of principal and interest

Monthly payments
Interest only during the draw period.
Equal amortization during repayment period.

Monthly payments, equal amortization.

No application fee⁵
$50 annual fee, waived first year
Closing costs⁶ may vary by state.

No application or annual fees⁵ Closing costs will vary by state⁶

¹ Consult your tax advisor regarding the deductibility of interest.
² The Annual Percentage Rate ("APR") for the Home Equity Line of Credit may vary and is determined by adding a margin to the Prime Rate. For any billing cycle, we will use the index value of the last business day of the previous calendar month to calculate the ANNUAL PERCENTAGE RATE. The APRs may range from Prime Rate minus .25% to Prime Rate plus 2.25% and is based on a review of your e@bank  status. $10,000 is the minimum credit line available. The maximum APR is 18%. The payments during the 60-month draw period are an interest only payment or $25.00, whichever is greater. During the 120-month repayment period the payment is equal to accrued finance charges, during the billing cycle plus 1/120th of the principal balance at the end of the first billing cycle in the Repayment period. Closing costs vary by state and range between $5 in WV to $2000 in NY for any applicable state or county recording taxes. This offer is contingent upon receiving a valid first or second lien on your owner-occupied, one-to-four family residence. Minimum and maximum property values apply and a property appraisal may be required. Loan amount may not exceed 90% of the value of your home minus the first mortgage balance. Final loan approval is subject to verification of acceptable income and credit. Property insurance is required
³ The fixed Annual Percentage Rate ("APR") will range between 7.49% and 11.74%, depending upon your creditworthiness. For example, the monthly payment on $50,000.00 borrowed at a range of 7.49% to 11.74% for 15 years, may range from $463.22 to $591.75. These APRs are valid as of December 15, 2001. Closing costs vary by state and range between $98 in WV and $5095 in NY. This offer is contingent upon receiving a valid first or second lien on your owner-occupied, one-to-four family residence. Minimum and maximum property values apply and a property appraisal may be required. Loan amount may not exceed 100% of the value of your home minus the first mortgage balance. Final loan approval is subject to verification of acceptable income and credit. Minimum loan amount in connection with this offer is $15,000.
⁴ These products are  available worldwide through e@bank  via Internet.
⁵ To open, use and maintain your Account, you must pay certain fees to third parties at the time of the execution of the documents. As these fees vary by country, we will upon your request, give you an itemization of the fees which you will have to pay to third parties.
⁶ Applicable mortgage and recording taxes apply. Everyone will pay closing costs of $95, (please view disclosures for details of these costs).
Outstanding balances on home equity loans do not count towards minimum balance requirements for waiving fees on other Membership e@bank  accounts.

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