Special Introductory Rate fixed for 4 months at 2.95%, then a variable rate is determined by adding a margin to the prime rate. There are no closing costs. All rates and payments assume auto debit from a National Bank of Commerce checking account. Minimum line amount is $10,000. Term of the loan will be 10 years. A balloon payment will result at the end of the ten-year draw period. This offer is available for new Home Equity Lines only. Prime Rate is the highest rate shown as Prime Rate in the Wall Street Journal. As of 5/1/08, the Prime Rate was 5.00%. Your APR (Annual Percentage Rate) may rise or fall if the Prime Rate changes, but will never be less than 4% or more than 18%. For Home Equity Lines with credit limit amounts between $10,000 and $49,999, the rate shall be the prime rate. For Home Equity Lines with credit limit amounts between $50,000 and $99,999, the rate shall be prime rate less .50%. For Home Equity Lines with credit limit amounts between $100,000 and $1,000,000, the rate shall be prime less 1.00%. Lines of Credit are limited to owner-occupied 1-4 family principal residences and are subject to our underwriting standards. Flood insurance (if required by federal law) and property insurance are required. Home equity lines are subject to an annual fee of $35.00, which is waived the first year. Home equity lines are subject to a $400 cost recovery fee to pay origination fees and closing costs if the home equity line is closed within 36 months or the authorization to automatically debit monthly minimum payments from a National Bank of Commerce checking account is canceled. Other fees may apply at time of payoff. This offer applies to lines up to 80% of the appraised value of your home. Please consult your tax advisor about the deductibility of interest. Rates are subject to change without notice.