We can terminate your account and require you to pay us the entire outstanding balance in one payment if: (1) you engage in fraud or material misrepresentation in connection with the plan; (2) you do not meet the repayment terms; or (3) your action or inaction adversely affects the collateral or our rights in the collateral.

We can refuse to make additional extensions of credit or reduce your credit limit if: (1) you engage in fraud or material misrepresentation in connection with the line; (2) you do not meet the repayment terms; (3) your action or inaction adversely affects the collateral or our rights in the collateral; (4) the value of the dwelling securing the line declines significantly below its appraised value for purposes of the line; (5) we reasonably believe you will not be able to meet the repayment requirements due to a material change in your financial circumstances; (6) you are in default of a material obligation of the agreement; (7) government action prevents us from imposing the annual percentage rate provided for or impairs our security interest such that the value of the interest is less than 120 percent of the credit line; (8) a regulatory agency has notified us that continued advances would constitute an unsafe and unsound business practice; or (9) the maximum annual percentage rate is reached.

Minimum Payment Requirements: You can obtain credit advances for 5 year(s). During this period, payments will be due monthly. Your minimum monthly payment will equal the amount of accrued interest plus 0.555% of the principal loan account balance or the amount of accrued interest plus $50, whichever is greater.

The minimum monthly payments may not be sufficient to fully repay the principal that is outstanding on your line at the end of 5 year(s). If they are not, you will then be required to pay the entire balance in a single payment.

Minimum Payment Example: If you made only the minimum monthly payment and took no other credit advances, it would take 5 year(s) to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE of 6.75%. During that period, you would make 59 payment(s) varying between $111.75 and $89.64, with a final payment of $7,035.91.

Fees And Charges: To open and maintain an account, you must pay the following fees to us:
Application Fee: __$0.00______ (due at application). You must carry insurance on the property that secures this plan.

The following are an estimate of third party fees:

You must carry insurance on the property that carries this plan.

Refundability Of Fees:If you decide not to enter into this plan within three days of receiving this disclosure and the Home Equity booklet, you are entitled to a refund of any fee you may have already paid.

Minimum Draw Requirements: The minimum credit advance that you can receive is $200.

Tax Deductibility: You should consult a tax advisor regarding the deductibility of interest and charges for the plan.

Availability Of Other Home Equity Programs: If you ask, we will provide you with information on our other available home equity lines.

Variable Rate Features: This plan has a variable rate feature and the annual percentage rate (corresponding to the periodic rate) and the minimum monthly payment can change as a result. The annual percentage rate includes only interest and not other costs. The annual percentage rate is based on the value of an index. The index is the highest rate on corporate loans posted by at least 75% of the USA's thirty largest banks known as The Wall Street Journal Prime Rate and is published in The Wall Street Journal. To determine the annual percentage rate that will apply to your account, we add a margin to the value of the index. Ask us for the current index value, margin and annual percentage rate. After you open a credit line, rate information will be provided on periodic statements that we send you.

Rate Changes: The annual percentage rate can change monthly. There is no limit on the amount by which the rate can change in any one-year period. The maximum ANNUAL PERCENTAGE RATE that can apply during the plan is 18%.

Maximum Rate And Payment Examples:If you had an outstanding balance of $10,000, the minimum monthly payment at the maximum ANNUAL PRCENTAGE RATE of 18% would be $205.50. The maximum annual percentage rate could be reached in the first month following an initial hold of one month.

Historical Examples:The following table shows how the annual percentage rate and the minimum payments for a single $10,000 credit advance would have changed based on changes in the index over the last 15 years. The index values are from the first business day of October. While only one payment amount per year is shown, payments would have varied during each year of the draw period. The table assumes that no additional credit advances were taken, that only the minimum payment was made, and that the rate remained constant during each year. It does not necessarily indicate how the index or your payments would change in the future.

(P) At the end of this year, a balloon payment of $7,047.57 would occur. You would be required to pay the entire balance in one payment.

INTEREST PAYMENT OPTION
This disclosure contains important information about our Home Equity Line of Credit. You should read it carefully and keep it with your records.

Availability Of Terms: All of the terms described below are subject to change. If these terms change (other than the annual percentage rate) and you decide, as a result, not to enter into an agreement with us, you are entitled to a refund of any fees that you paid to us or anyone else in connection with your application.

Security Interest:We will take a mortgage on your home. You could lose your home if you do not meet the obligations in your agreement with us.

Possible Actions:Under certain circumstances, we can (1) terminate your line and require you to pay us the entire outstanding balance in one payment; (2) refuse to make additional extensions of credit; and (3) reduce your credit limit.

We can terminate your account and require you to pay us the entire outstanding balance in one payment if: (1) you engage in fraud or material misrepresentation in connection with the plan; (2) you do not meet the repayment terms; or (3) your action or inaction adversely affects the collateral or our rights in the collateral.

We can refuse to make additional extensions of credit or reduce your credit limit if: (1) you engage in fraud or material misrepresentation in connection with the line; (2) you do not meet the repayment terms; (3) your action or inaction adversely affects the collateral or our rights in the collateral; (4) the value of the dwelling securing the line declines significantly below its appraised value for purposes of the line; (5) we reasonably believe you will not be able to meet the repayment requirements due to a material change in your financial circumstances; (6) you are in default of a material obligation of the agreement; (7) government action prevents us from imposing the annual percentage rate provided for or impairs our security interest such that the value of the interest is less than 120 percent of the credit line; (8) a regulatory agency has notified us that continued advances would constitute an unsafe and unsound business practice; or (9) the maximum annual percentage rate is reached.

Minimum Payment Requirements: You can obtain credit advances for 5 year(s). During this period, payments will be due monthly. Your minimum monthly payment will equal the amount of accrued interest or $50, whichever is greater.

The minimum monthly payments may not be sufficient to fully repay the principal that is outstanding on your line at the end of 5 year(s). If they are not, you will then be required to pay the entire balance in a single payment.

Minimum Payment Example: If you made only the minimum monthly payment and took no other credit advances, it would take 5 year(s) to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE of 6.75%. During that period, you would make 59 payment(s) of $56.25, with a final payment of $10,056.25.

Fees And Charges: To open and maintain an account, you must pay the following fees to us:
Application Fee: __$0.00______ (due at application). You must carry insurance on the property that secures this plan.

The following are an estimate of third party fees:

Refundability Of Fees:If you decide not to enter into this plan within three days of receiving this disclosure and the Home Equity booklet, you are entitled to a refund of any fee you may have already paid.

Minimum Draw Requirements: The minimum credit advance that you can receive is $200.

Tax Deductibility: You should consult a tax advisor regarding the deductibility of interest and charges for the plan.

Availability Of Other Home Equity Programs:f you ask, we will provide you with information on our other available home equity lines. Variable Rate Features: This plan has a variable rate feature and the annual percentage rate (corresponding to the periodic rate) and the minimum monthly payment can change as a result. The annual percentage rate includes only interest and not other costs. The annual percentage rate is based on the value of an index. The index is the highest rate on corporate loans posted by at least 75% of the USA's thirty largest banks known as The Wall Street Journal Prime Rate and is published in The Wall Street Journal. To determine the annual percentage rate that will apply to your account, we add a margin to the value of the index. Ask us for the current index value, margin and annual percentage rate. After you open a credit line, rate information will be provided on periodic statements that we send you.

Rate Changes: The annual percentage rate can change monthly. There is no limit on the amount by which the rate can change in any one-year period. The maximum ANNUAL PERCENTAGE RATE that can apply during the plan is 18%.

Maximum Rate And Payment Examples:If you had an outstanding balance of $10,000, the minimum monthly payment at the maximum ANNUAL PERCENTAGE RATE of 18% would be $150. The maximum annual percentage rate could be reached in the first month following an initial hold of one month.

Historical Examples: The following table shows how the annual percentage rate and the minimum payments for a single $10,000 credit advance would have changed based on changes in the index over the last 15 years. The index values are from the first business day of October. The table assumes that no additional credit advances were taken, that only the minimum payment was made, and that the rate remained constant during each year. It does not necessarily indicate how the index or your payments would change in the future.

(P) At the end of this year a balloon payment of $10,072.92 would occur. You would be required to pay the entire balance in one payment.

PRINCIPAL PAYMENT OPTION
This disclosure contains important information about our Home Equity Line of Credit –Principal Payment Option. You should read it carefully and keep a copy for your records.

Availability Of Terms: All of the terms described below are subject to change. If these terms change (other than the annual percentage rate), and you decide, as a result, not to enter into an agreement with us, you are entitled to a refund of any fees that you have paid to us or anyone else in connection with your application.

Security Interest: We will take a security interest in your home. You could lose your home if you do not meet the obligations in your agreement with us.

Possible Actions:Under certain circumstances, we can (1) Terminate your line of credit, require you to pay us the entire outstanding balance in one payment, and charge you certain fees; (2) refuse to make additional extensions of credit; and (3) reduce your credit limit.

We can terminate your account and require you to pay us the entire outstanding balance in one payment if: (1) You engage in fraud or material misrepresentation in connection with the line of credit; (2) You fail to make a payment as required by the agreement; or (3) Your action or inaction adversely affects the collateral or our rights in the collateral.

We can refuse to make additional extensions of credit or reduce your credit limit if: (1) The value of the dwelling securing the line of credit declines significantly below its appraised value for purposes of the line of credit; (2) We reasonably believe you will not be able to meet the repayment requirements under the line of credit due to a material change in your financial circumstances; (3) You are in default of a material obligation of the agreement; (4) Government action prevents us from imposing the annual percentage rate provided for in the agreement, or impairs our security interest such that the value of the interest is less than 120 percent of the credit limit on the line of credit; (5) A regulatory agency has notified us that continued advances would constitute an unsafe and unsound practice; or (6) The maximum annual percentage rate is reached.

Minimum Payment Requirements: You can obtain credit advances for 60 months. During this period, payments will be due monthly. Your minimum monthly payment will equal the greater of the following

The amount of accrued finance charges on the last day of the billing cycle plus $50.00; or The amount of accrued finance charges plus 0.555 percent of the principal balance outstanding on the last day of the billing cycle.

The minimum payment amount will be rounded to the nearest $.01. The minimum monthly payments may not be sufficient to fully repay the principal that is outstanding on your line of credit at the end of 60 months. If they are not, you will then be required to pay the entire balance in a single payment.

The minimum monthly payments may not be sufficient to fully repay the principal that is outstanding on your line at the end of 5 year(s). If they are not, you will then be required to pay the entire balance in a single payment.

Minimum Payment Example: If you made only the minimum monthly payment and took no other credit advances, it would take 5 years to pay off a credit advance of $10,000.00 at an ANNUAL PERCENTAGE RATE of 6.000%. During that period, you would make 59 payments varying between $105.50 and $85.23, with a final payment of $7,031.53.

Fees And Charges: To open and maintain an account, you must pay the following fees to us:
Application Fee: __$0.00______ (due at application).      Documentation Fee: __$0.00______

The following are an estimate of third party fees:

Refundability Of Fees:If you decide not to enter into this plan within three days of receiving this disclosure and the Home Equity Booklet, you are entitled to a refund of any fee you may have already paid.

Minimum Draw Requirements: The minimum credit advance that you can receive is $200.00.

Tax Deductibility: You should consult a tax advisor regarding the deductibility of interest and charges for the line of credit.

Availability Of Other Home Equity Programs:If you ask, we will provide you with information on our other available home equity lines of credit.

Variable Rate Features. This line of credit has a variable rate feature and the annual percentage rate (corresponding to the periodic rate) and the minimum monthly payment can change as a result. The annual percentage rate includes only interest and not other costs. The annual percentage rate is based on the value of an index. The index is the base rate on corporate loans posted by at least 75% of the nation’s 30 largest banks known as the Wall Street Journal Prime Rate and is published in the Wall Street Journal. To determine the annual percentage rate that will apply to your line of credit, we add a margin to the value of the index. Ask us for the current index value, margin, and annual percentage rate. After you open a line of credit, rate information will be provided on periodic statements that we send you.

Rate Changes: The annual percentage rate can change monthly. There is no limit on the amount by which the rate can change in any one year period. The maximum ANNUAL PERCNETAGE RATE that can apply during the line of credit is 18.000 percent.

Maximum Rate And Payment Examples:If you had an outstanding balance of $10,000.00 the minimum monthly payment at the maximum ANNUAL PERCENTAGE RATE of 18.000 percent would be $205.50. The maximum annual percentage rate could be reached in the 1st month (1 month) following an initial hold of 1 month.

Historical Examples: The following table shows how the annual percentage rate and the minimum payments for a single $10,000.00 credit advance would have changed based on changes in the index over the last 15 years. The index values are from the first business day of October. While only one payment amount per year is shown, payments would have varied during each year. The table assumes that no additional credit advances were taken, that only the minimum payment was made, and that the rate remained constant during each year. It does not necessarily indicate how the index or your payment would change in the future.

(P) At the end of this year a balloon payment of $7,043.20 would occur. You would be required to pay the entire balance in one payment.

INTEREST PAYMENT OPTION
This disclosure contains important information about our Home Equity Line of Credit – Interest Payment Option. You should read it carefully and keep a copy for your records.

Availability Of Terms: All of the terms described below are subject to change. If these terms change (other than the annual percentage rate), and you decide, as a result, not to enter into an agreement with us, you are entitled to a refund of any fees that you have paid to us or anyone else in connection with your application.

Security Interest: We will take a security interest in your home. You could lose your home if you do not meet the obligations in your agreement with us.

Possible Actions:Under certain circumstances, we can (1) Terminate your line of credit, require you to pay us the entire outstanding balance in one payment, and charge you certain fees; (2) refuse to make additional extensions of credit; and (3) reduce your credit limit.

We can terminate your line of credit, require you to pay us the entire outstanding balance in one payment, and charge you certain fees if: (1) You engage in fraud or material misrepresentation in connection with the line of credit; (2) You fail to make a payment as required by the agreement; or (3) Your action or inaction adversely affects the collateral or our rights in the collateral.

We can refuse to make additional extensions of credit or reduce your credit limit if: (1) The value of the dwelling securing the line of credit declines significantly below its appraised value for purposes of the line of credit; (2) We reasonably believe you will not be able to meet the repayment requirements under the line of credit due to a material change in your financial circumstances; (3) You are in default of a material obligation of the agreement; (4) Government action prevents us from imposing the annual percentage rate provided for in the agreement, or impairs our security interest such that the value of the interest is less than 120 percent of the credit limit on the line of credit; (5) A regulatory agency has notified us that continued advances would constitute an unsafe and unsound practice; or (6) The maximum annual percentage rate is reached.

Minimum Payment Requirements: You can obtain credit advances for 60 months. During this period, payments will be due monthly. Your minimum monthly payment will equal the greater of the following:

The amount of accrued finance charges on the last day of the billing cycle; or %50.00

The minimum payment amount will be rounded to the nearest $.01. Whenever a flat dollar amount is used to determine the minimum payment however, the minimum payment will be rounded to the nearest $.01. The minimum monthly payments may not be sufficient to fully repay the principal that is outstanding on your line of credit at the end of 60 months. If they are not, you will then be required to pay the entire balance in a single payment.

Minimum Payment Example: If you made only the minimum monthly payment and took no other credit advances, it would take 5 years to pay off a credit advance of $10,000.00 at an ANNUAL PERCENTAGE RATE of 6.000%. During that period, you would make 59 payments of $50.00 with a final payment of $10,050.00.

Fees And Charges: To open and maintain an account, you must pay the following fees to us:
Application Fee: __$0.00______ (due at application).

The following are an estimate of third party fees:

Refundability Of Fees: If you decide not to enter into this plan within three days of receiving this disclosure and the Home Equity Booklet, you are entitled to a refund of any fee you may have already paid.

Minimum Draw Requirements: The minimum credit advance that you can receive is $200.00.

Tax Deductibility: You should consult a tax advisor regarding the deductibility of interest and charges for the line of credit.

Availability Of Other Home Equity Programs: If you ask, we will provide you with information on our other available home equity lines of credit.

Variable Rate Features. This line of credit has a variable rate feature and the annual percentage rate (corresponding to the periodic rate) and the minimum monthly payment can change as a result. The annual percentage rate includes only interest and not other costs. The annual percentage rate is based on the value of an index. The index is the base rate on corporate loans posted by at least 75% of the nation’s 30 largest banks known as the Wall Street Journal Prime Rate and is published in the Wall Street Journal. To determine the annual percentage rate that will apply to your line of credit, we add a margin to the value of the index. Ask us for the current index value, margin, and annual percentage rate. After you open a line of credit, rate information will be provided on periodic statements that we send you.

Rate Changes: The annual percentage rate can change monthly. There is no limit on the amount by which the rate can change in any one year period. The maximum ANNUAL PERCNETAGE RATE that can apply during the line of credit is 18.000 percent.

Maximum Rate And Payment Examples: If you had an outstanding balance of $10,000.00 the minimum monthly payment at the maximum ANNUAL PERCENTAGE RATE of 18.000 percent would be $150.00. The maximum annual percentage rate could be reached in the 1st month (1 month) following an initial hold of 1 month.

Historical Examples: The following table shows how the annual percentage rate and the minimum payments for a single $10,000.00 credit advance would have changed based on changes in the index over the last 15 years. The index values are from the first business day of October. While only one payment amount per year is shown, payments would have varied during each year. The table assumes that no additional credit advances were taken, that only the minimum payment was made, and that the rate remained constant during each year. It does not necessarily indicate how the index or your payment would change in the future.

(P) At the end of this year a balloon payment of $10,066.67 would occur.  You would be required to pay the entire balance in one payment.