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*Promotional Annual Percentage Rate of 2.99% is good for new qualifying HELOCs only. Not valid for refinancing of an existing HELOC. Application must be received after 03/31/12 and no later than 06/30/12. No closing costs for those loans under $100,000 (appraisal costs may apply in some cases) and with a minimum loan advance of $10,000 at time of closing. Standard underwriting guidelines apply. The promotional rate will end on 06/30/13, and your rate will adjust on 07/01/13 to the original qualifying rate of the Wall Street Journal Prime Rate + the margin as stated in your original loan documents. This is a variable rate line of credit and is subject to change quarterly on the first day of the month. Speak with a loan officer for complete loan information.