Home Equity Line of Credit Brochure

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Basic Features Plan A and Plan B	Plan A	Plan B
Fixed Annual Percentage Rate
Variable annual percentage rate
Index used and current value
Amount of margin
Current rate
Frequency of rate adjustments
Amount/length of discount (if any)
Interest rate caps and floor
Length of Plan
Draw period
Repayment period
Initial Fees
Appraisal fee
Application fee
Up-front charges, including points
Closing costs
Repayment Terms: During the draw period
Interest and principal payments
Interest only payments
Fully amortizing payments
Repayment Terms: When the draw period ends
Balloon payments
Renewal available
Refinancing of balance by lender