*APR=Annual Percentage Rate. The minimum APR is 2.00% and the maximum APR is 18.00%. APR is based on a credit score of 740 or higher with 90% Loan-To-Value (LTV) and having an active Checking account and a VISA Check Card in good standing. Higher LTV options also available. Actual rate will be based on credit worthiness, LTV and Checking account/VISA Check Card relationship. Prime Rate as of November 1, 2007 is 7.50%. The APR can change on the first day of each month and is based on the Prime Rate as of the last business day of the prior month. IBM Southeast EFCU real estate loans are subject to income, address and identification verification and credit approval. For more information, please refer to When Your Home is on the Line and Important Terms of our Home Equity Line of Credit, or contact a Mortgage Representative for full details on the certain rates, terms, fees and conditions that may apply. Offer available on owner-occupied homes. Borrower may need to purchase appraisal under certain conditions, property, flood and mortgage insurance may be required. Certain conditions may apply regarding no closing costs offer. The Credit Union will pay your closing costs; however, time limitations and maximum credit limit amounts apply. If your Home Equity Line of Credit is discontinued within three years, a surrender fee may be charged back to you. Appraisal fee required when tax assessment or Automated Valuation Model (AVM) does not meet underwriting criteria or when loan amount exceeds $250,000. Loans not available in Texas. 24 hour pre-approvals subject to certain conditions. 100% Loan-to-value offered on loans up to $150,000. Loans above $150,000 are available at 80% LTV. Note: If your home does not increase in value and you are paying interest only payments, you are not building equity. Your mortgage payment may significantly increase when your loan goes into the principal and interest repayment phase.

**See a REWARDS brochure for full details. Members with a Home Equity Line of Credit automatically qualify for Gold REWARDS and pay no IBM Southeast EFCU fees at any ATM. Non-Credit Union ATM surcharge fees may apply.