Home Equity Loan Rates As of 8-18-06 Prime Rate: 8.25% Home Equity Line of Credit Loan 85% or less Loan to Value Loan Amount Variable Rate Fixed Rate $5,000 - $9,999 na% na% $10,000 - $24,999 na% na% $25,000 - $49,999 na + .50% na% $50,000 + na% na% Over 85% Loan to Value $5,000 - $9,999 na% na% $10,000 - $24,999 na% na% $25,000 - $49,999 na% na% $50,000 + na% na% Closing costs waived. Annual fee of $50 waived first year. 10 year term. Owner occupied only. A-1 credit over 85% loan to value. Home Equity Installment Loan Term Up to 85% LTV Over 85% LTV 1 - 5 years 6.625% 7.500% 6 - 10 years 7.500% 8.375% 11 - 15 years 8.375% 9.250% 16 - 20 years na% na% 21 - 25 years na% na% ¼% off for Transfer Advantage (automatic loan payment from HFS checking). The following fees may apply: Drive by appraisal - $50 to $100, Title Search - $100, Flood Determination - $20, Mortgage Recording - $25. Other rates and terms apply to non-owner occupied property. All products and rates are subject to change without notice.