3 in 1 Advantage Plan
 Get a credit line, fixed rate advances and Visa Platinum credit card all in one convenient package.

• No annual fees
• No application fee
• No closing costs*

                                                                                      

Line of Credit
Fast & Flexible

• Borrow as often as you like, up to your approved limit.
• As you pay down the balance, your available credit increases.
• Take any portion of your line, convert it to a fixed rate advance and choose your repayment term...no application needed.
• Interest-only payment option available.

Fixed Rate Advances

• Get the security of fixed payments by converting any or all of your line into a fixed rate advance.
• Get up to three fixed rate advances at a time.
• Fix your rate anytime without an application.

Visa Platinum Credit Card

• Convert a portion of your equity into a Visa Platinum credit card.
• Get the same great low rate you enjoy on your line of credit.
• Automatic enrollment in MemberPoints lets you earn free gift cards, brand-name merchandise and great travel rewards on purchases.

Home Equity 3 in 1 Advantage PlanFebruary 1, 2012
Line of Credit and Visa� Platinum Credit Card	APR1	Payment per $1,0002
To 75% LTV (Prime - 1/2%)	2.75%	Varies
76% to 85% LTV (Prime + 1/2%)	3.75%	Varies
Over 85% LTV (Prime + 1 1/2%)	4.75%	Varies
Fixed Rate Advance - To 75% LTV	APR	Payment Per $1,000
Up to 5 years	2.99%	$17.96
5 to 10 years	4.49%	$10.36
10 to 15 years	5.49	$8.17
15 to 20 years	5.99%	$7.16
Fixed Rate Advance - 76% to 85% LTV	APR	Payment Per $1,000
Up to 5 years	3.24%	$18.08
5 to 10 years	4.74%	$18.08
10 to 15 years	5.74%	$8.30
15 to 20 years	6.24%	$7.30
Fixed Rate Advance - Over 85% LTV	APR	Payment Per $1,000
Up to 5 years	3.49%	$18.19
5 to 10 years	4.99%	$10.60
10 to 15 years	5.99%	$8.43
15 to 20 years	6.49%	$7.45
1APR=Annual Percentage Rate. Rates shown are for members with the best credit profile. Other rates are available, based on your credit history. Contact Member Services at 800-656-4328 for rate details. 2Repayment amounts will vary depending on the term. This example is estimated for the maximum term.