Put your home to work for you for a change. Now you can use the equity in your home to open a low-rate line of credit. Build an addition, take a vacation, or send your kids to college – it’s up to you and it’s never been easier. And many times the interest on your loan is tax deductible*. Call us today and let us help your dreams come true.

Features and Requirements Include: No closing costs Tax deductibility* Low monthly payments Use convenience checks to borrow only when you need it $50 annual fee $300 Termination fee if cancelled within two years* *Consult your tax advisor for tax advice

Interest Rate Effective Date 5.000% 10/31/2008   Subject to our underwriting standards. Rates subject to change without notice.