Home Equity Loan

APR = Annual Percentage Rate.

5.99% APR is a Variable Introductory Rate for the first twelve [12] months of the loan. The Variable Introductory Rate is based upon The Wall Street Journal Prime Rate (“Prime”) minus a discount. The 12-month Introductory Period begins on the date of account opening. No member or other discounts are available during the Variable-Rate Introductory Period. After the Introductory Period ends, any and all remaining balances will automatically convert to the variable 6.75% APR based on a combined LTV of 80% and credit limit of $100,000. The variable APR is based on Prime plus a margin, and will vary with Prime. Your APR will not exceed 15.00% or go below 3.00% at any time during the term of your account. APR may vary based on initial draw, actual CLTV, property value, property location, line amount and other factors.