Important Terms

Important Terms of Your Home Equity Line of Credit

Retention of Information: This disclosure contains important information about your Home Equity Line of Credit. You should read it carefully and keep a copy for your records.

Availability of Terms: All of the terms described below are subject to change. If these terms change (other than the ANNUAL PERCENTAGE RATE) and you decide, as a result, not to enter into an agreement with us, you are entitled to a refund of any fees that you have paid to us or anyone else in connection with your application.

Security Interest: We will take a security interest in your home. You could lose your home if you do not meet the obligations in your agreement with us.

Possible Actions: We can terminate your credit line, require you to pay us the entire outstanding balance in one payment, and charge you certain fees if:

1. You engage in fraud or material misrepresentation in connection with the line;
2. You do not meet the repayment terms;
3. Your action or inaction adversely affects the collateral or our rights in the collateral.

We can refuse to make additional extensions of credit or reduce your credit limit if:

1. Any of the reasons mentioned above exist;
2. The value of the dwelling securing the line declines significantly below its appraised value for purposes of this line;
3. We reasonably believe you will not be able to meet the repayment requirements due to a material change in your financial circumstances;
4. You are in default of a material obligation in the agreement;
5. Government action prevents us from imposing the ANNUAL PERCENTAGE RATE provided for or impairs our security interest such that the value of the interest is less than 120 percent of the credit line;
6. A regulatory agency has notified us that continued advances would constitute an unsafe and unsound practice;
7. The maximum ANNUAL PERCENTAGE RATE is reached.

Minimum Payment Requirements

You can obtain advances of credit for 5 years (the "Draw Period"). At our option, we may renew or extend the Draw Period.

During the Draw Period, your minimum payment will equal:

• The greater of $100.00 or