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*Annual Percentage Rate (APR) effective as of April 1, 2014. After the 180-day introductory period has expired, the rate may vary between the Wall Street Journal Prime Rate + 0% to Wall Street Journal Prime Rate + 1.75%, depending on credit qualifications. The line of credit is subject to credit review and approval. Minimum rates or floors range from 2.99% to 3.25%. Under no circumstances will your APR exceed 24%. Offer available to new credit lines only. Property insurance is required. For lines greater than $1,000,000 and less than $2,000,000, you may pay certain fees, ranging from $1,360 to $13,070, to third parties such as appraisers, credit reporting firms and government agencies. For lines of $1,000,000 or less, if you terminate or close the credit line within 36 months, you may be charged an early termination fee. Minimum advance amount of $100. If advance is under $100, a $15 fee will be assessed. An inactivity fee of $50 annually may be assessed for lines with a $0 balance for 365 consecutive days. Minimum line amount is $10,000. LTV must be less than 85%. Rates and terms subject to change without notice. This does not apply to out of market properties.

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