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*The lowest available rate as of 06/30/06 is 7.740%. Not all customers will qualify for the lowest rate. The Annual Percentage Rate (APR) for a home equity line is based on the interest rate alone and will not reflect the closing costs and other fees and charges. The APR is variable and subject to increase after consummation. The maximum APR is 18%. Your plan will have a $49 annual fee. You must carry property insurance (and may be required to carry flood insurance) on the property that secures your plan. Borrower will not be required to pay any LENDER related closing costs. The Borrower will be required to pay all applicable taxes and recording fees, which may vary by state. A reasonable range for these closings costs are $150 - $1,000. These fees may be advanced from the line of credit at closing. If the Borrower terminates the line of credit for any reason within two years of the closing date, all lender paid closing costs must be immediately repaid to the lender. Subject to credit and property approval. Program may change without notice.