By using a No Closing Cost1 Home Equity Loan or Line of Credit to replace credit card, auto loan and other high-interest debt, you can Save Money, Save Time and Save on Taxes.3 A few features of our No Closing Cost1 Home Equity Loan:   Low Fixed Rate2 No Closing Costs1 No Points or Application Fees Tax Benefits3   1 The no closing cost offer is subject to approval and the presentment of a perfected lien on your home, which must be a single-family owner occupied residence constructed on a permanent foundation. Property insurance is required, including flood insurance where applicable, regardless of loan amount. Offer limited to loans for purposes other than home purchase. Certain restrictions may apply for loans with an LTV greater than 80%. 2 If auto debit is canceled, your interest rate may increase by the discounted amount. Currently the premium auto debit discount is 0.50% and the standard auto debit discount is 0.25%. 3 Consult your tax advisor regarding deductibility of interest and other potential tax benefits. 4 This chart is for comparative purposes only. Amounts based on monthly payments. Credit card payments are based on an interest rate of 13.30%, as listed on Bank Rate Monitor on December 13, 2007. Monthly credit card payments are based on 2% of the initial balance, and a 94-month repayment period. 5 $228.92 Principal and interest monthly payment is based on a fixed rate of 7.30% Annual Percentage Rate (APR). This was our rate as of December 12, 2007. Ask us for our current rate. The rate used in this calculation assumes a loan amount between $15,000 - $50,000, a premium auto debit discount from one of our premium checking accounts, a 15 year repayment term and loan to value of 80% or less on an owner-occupied residence. Our premium checking accounts include Advantage, Advantage 55, Echelon Gold and Group Banking accounts. APR may be higher for other loan amounts and other combined-loan-to-values. Rates are subject to change. Regular closing costs of $236 to $506 are waived for home equity loans.