| Smart Choice: | Perfect for you if you have equity in your home and need money for home improvements, college expenses, an automobile, or an unexpected expense. |
| Terms: | This loan is a revolving line of credit and usually matures in 5 years. At that time, the loan will be reviewed by you and your banker. |
| Interest: | The rate can be fixed or variable. A variable rate Home Equity Line of Credit (HELOC) means that the rate floats with a predetermined index. |