(1) Rate is based on Prime rate, with a $50,000 or higher credit limit and initial advance of $25,000. Higher rates apply if the required amount for the initial advance is not taken or if the credit limit is below $50,000. Rates are based on Wall Street Journal Prime, are variable and subject to change. Maximum APR is 18%. Annual fee is $50. (2) Consult your tax advisor. (3) Estimated closing costs on a $35,000 line are between $300 and $600. To waive closing costs, the following initial advance, which must be left outstanding for 1 year, is required. $25,000 for credit limits $50,000 and above, and $10,000 for credit limits below $50,000. Property insurance is required, and flood insurance may be required. Your checking account, with a maximum of 300 checks per year, is absolutely free.