*To receive the 3.99% annual percentage rate (APR), Home Equity Line of Credit (HELOC) first draw must
be a minimum of $5,000. The initial rate of 3.99% APR is good for the first four billing cycles after closing and thereafter will be based on the Variable Prime Rate as published in the Wall Street Journal. The Variable Prime Rate was 5.00% with an APR of 5.00% as of April 30, 2008. The maximum APR that can apply while the account is open is 18.00%. The APR you may receive will depend on your individual circumstances and will be based on information received during the application process, including but not limited to your credit history, available equity and loan amount. A $50 annual fee will apply. Offer subject to credit approval. Available for new lines only. Credit lines must be secured by the borrower’s principal residence only. Property insurance is required. The stated terms are available for a limited time. Prepayment penalty may apply. Certain conditions & terms may apply and terms and conditions may vary by state. See your local First American lender for details. Consult your tax advisor to determine the deductibility of interest.