Line of Credit Features You have the option of a variable rate of interest as low as the New York Prime rate, or a reliable fixed rate of interest Easily access your funds – simply use the supplied checks to obtain a pre-approved amount from your credit line Line is re-usable – use funds up to the established credit limit and, as you repay the outstanding balance, that amount is available to use again without reapplying for the loan Minimum monthly payments as little as the interest due(1) Receive a line of credit for up to 80% of your home’s value (90% option also available) Interest may be tax deductible (consult your tax advisor) Use INTRUST Personal OnLine Banking to view the real-time balance of your loan and make loan payments by transferring funds from another INTRUST account A home equity line of credit may be the right choice if  you: Want to secure your line of credit with your home Don’t know exactly what you want or how much money you need Want to access the money quickly and conveniently when you need it Prefer the flexibility of a payment that falls as your balance falls Compare Loans & Lines (1) Fixed Rate Product: Future monthly payment obligations will increase during the Repayment Period. The maximum Annual Percentage Rate may be reached at the time of the first payment during the Repayment Period. Variable Rate Product: The Annual Percentage Rate may increase monthly resulting in higher interest only payments. The maximum Annual Percentage Rate may be reached at the time of the first interest only payment. Future monthly payment obligations will increase during the Repayment Period.