(* ) The initial discounted rate will be in effect for 6 months.
(**) The current rate that would have applied without the initial discounted rate.

PAYMENT INFORMATION:
You can obtain credit advances for 5 years. This period is called the "draw period." At our option, we may renew or extend the draw period. After the draw period ends the repayment period will begin. The length of the repayment period will depend on the balance at the time of the last advance you obtain before the draw period ends. You will be required to make monthly payments during both the draw and repayment periods. At the time of the credit advance a payoff period of 240 monthly payments will be used to calculate your payment.

The payoff period will always be the shorter of the payoff period for your outstanding balance or the time remaining to the maturity date. Your payment will be set to repay the balance after the advance, at the current annual percentage rate, within the payoff period. Your payment will remain the same unless you obtain another credit advance. Your payment may also change if the annual percentage rate increases or decreases. Each time the annual percentage rate changes, we will adjust your payment to repay the balance within the original payoff period. Your payment will include any amounts past due and any amount by which you have exceeded you credit limit, and all other charges. Your payment will never be less than the smaller of $100.00, or the full amount you owe.

PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE:
We will determine the periodic rate and the corresponding annual percentage rate as follows. We start with an independent index, (the "Index"), which is the weekly Three Month Treasury Bill Rate (Auction High). We will use the most recent index value available to us as of 10 days before the date of any annual percentage rate adjustment. To determine the periodic rate that will apply to your account, we add a margin, as disclosed above, to the value of the Index. If the rate is not already rounded we then round up to the next .125%. Then we divide this sum by the number of days in a year (365). To obtain the annual percentage rate we will multiply the periodic rate by the number of days in a year (365). This result is the annual percentage rate.

The annual percentage rate can change quarterly on the first day of January, April, July and October. There is no limit on the amount by which the annual percentage rate can change during any one year period. The maximum ANNUAL PERCENTAGE RATE that can apply is 18.0% or the maximum permitted by law, whichever is less.

FEE REIMBURSEMENT:
If we have paid third party fees on your behalf, you will be liable to reimburse us if you close the plan within the first five years. The amounts we paid on your behalf are shown on the Schedule of Closing Costs. Any amounts owned will be added onto the principle balance.

OTHER CHARGES:

• Late Charges: If your payment is more than 10 days late we may charge you 5.0% of the payment or $5.00 whichever is greater.
• Non-Sufficient Funds Charge: We will charge you a fee of $20.00 if you pay your account with an insufficient funds check.
• Over the Credit Limit Fee: We will charge your account $20.00 if you request an advance that would exceed your credit limit.

COLLECTION COSTS:
You promise to pay, subject to any limits under applicable law, all costs of collecting the amount you owe under this agreement. This includes but is not limit to reasonable attorneys fees and court costs as well as legal expenses for bankruptcy, appeals or postjudgement proceedings.

SHAREDRAFT ACCESS:
We may authorize you to obtain credit advances by writing sharedrafts on your home equity account. We reserve the right not to honor a share draft in the following circumstances:

(a) Your Credit Limit has been or would be exceeded by paying the sharedraft.
(b) Your sharedraft is post-dated. If a post-dated shardraft is paid and as a result any other check is
      returned or not paid, we are not responsible.
(c)  Your sharedrafts have been reported lost or stolen. You should notify us at once if your
      sharedrafts are lost or stolen.
(d)  Your sharedraft is no signed by an "Authorized Signer" which means a person who signed this
      Agreement, or has signed a separate signature card for the account.
(e)  Your account has been terminated or suspended as provided in this Agreement.
(f)  The amount of your sharedraft is less than the minimum amount required by this Agreement or
      you are in violation of any other transaction requirement.

If we pay any sharedraft under these conditions, you must repay us for the amount of the sharedraft and any charges permitted by law. The sharedraft itself will be evidence of your debt to us together with this Agreement. Our liability, if any, for wrongful dishonor of a sharedraft is limited to your actual damages. Dishonor for any reason as provided in the Agreement is not wrongful dishonor. We may not return the sharedrafts along with your periodic statements as a credit advance. We do not "certify" sharedrafts drawn on your account.

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