*For GECU qualified borrowers only. Offer is limited to owner-occupied, single-family property located in Ohio, Kentucky, and Indiana. APR = Annual Percentage Rate. Rates listed as of published date (April 29, 2010). Terms and conditions of this offer are subject to change without notice. These rate offers are available for new loans or refinances from other institutions. Restrictions may apply. Home Equity Line of Credit: Program minimum rate is 4.00%; at no time will the rate go below 4.00%. The adjustable Home Equity line of credit has the following rates based on the amount of the line of credit: Up to $49,999 has a rate of 4.00% or Prime - 0% (subject to program minimum APR of 4.00%; the maximum APR for this loan plan is 11.00%); the rate is subject to adjustment on the first day of each calendar quarter to Prime - 0% (subject to program minimum APR of 4.00%). $50,000 and up has a rate of 4.00% or Prime - .25% (subject to program minimum APR of 4.00%; the maximum APR for this loan plan is 11.00%); the rate is subject to adjustment on the first day of each calendar quarter to Prime - .25% (subject to program minimum APR of 4.00%). The Prime Rate is from the Wall Street Journal and is currently 3.25%. The minimum draw/advance in person, by check, or through Online Banking is $300. Fixed Home Equity Loans: 5.24% APR is a fixed rate for a 5-year maximum term. A sample payment for 60 months is $18.98 per $1,000 borrowed. 5.74% APR is a fixed rate for a 10-year maximum term. A sample payment for 120 months is $10.98 per $1,000 borrowed. 5.99% APR is a fixed rate for up to 15 years. A sample payment for 180 months is $8.44 per $1,000 borrowed. Both home equity line of credit and fixed home equity loans: Closing costs generally range from $102 - $614 and will be waived on new loans or increased lines of credit of $7,500 or greater. Fees of $555 may be charged on home equity loans involving registered land held in trust. This offer is not valid on investment properties. Private mortgage insurance may be required for loans above 80% of the property value at the borrower’s expense. Loans above 80% of the property value may have slightly higher rates. Property insurance required to open loan. Be sure to contact a tax advisor on their deductibility of interest. Contact GECU for a copy of the complete disclosure and billing rights.