Workers Credit Union

* An introductory rate of 3.99% APR until December 31, 2010 with a periodic rate of .01093%. Thereafter, the Annual Percentage Rate (APR) will be set on the first business day of each month at .50% below the Prime Rate published in the Wall Street Journal on the last business day of the previous month (the current APR would be 5.00% - periodic rate = 0.01370%). 10 year draw, 10 year repayment. Maximum 80% combined loan to value ratio. Maximum rate is 18%. Minimum rate is 5%. Minimum line amount is $10,000. Annual fee of $30.00 will be waived if borrower has monthly payment automatically withdrawn from a Workers’ Credit Union checking account. Offer applies to new lines only, on owner-occupied primary residence. Homeowners insurance required. $350 early termination fee will be charged if discharged in the first two years. Offer may be withdrawn without notice. Workers’ Credit Union membership required. Subject to our normal credit requirements.