Consumer Loan Rates

Home Equity Lines of Credit
Home Equity Loans
Consumer Loans

Home Equity Lines of Credit

Annual Percentage Rates Effective Sunday, May 11, 2008

Loan Amount	APR*	Fees**	Max LTV
$25,000 or more	6.00%	None	75%

For approved line amounts of $25,000 or more, your APR will be equal to the Index (Prime Rate). The maximum APR is 18%. The minimum APR is 6.00%. The draw period is five years with a repayment period of ten years. Payments of interest only are required during the draw period.

*APR includes a 1/4% discount with automatic payment deduction from a checking or money market account.

** There are no closing costs or annual fees with InsurBanc's Home Equity Line of Credit, unless there are certain costs related specifically to the jurisdiction in which you reside. However, if you close your account within the first two years after the date of your closing, you may pay a prepayment penalty fee of 1% of the approved line amount.

Home Equity Loans

Annual Percentage Rates Effective Sunday, May 11, 2008

Rate	APR*	Term	Fees**	Max LTV
6.875%	6.875%*	7 Year	None	75%
6.50%	6.50%*	5 Year	None	75%

* APR includes a 1/4% discount with automatic payment deduction from a checking or money market account.

** There are no closing costs with InsurBanc's Home Equity Loan, unless there are certain costs related specifically to the jurisdiction in which you reside.

Information, terms and conditions for InsurBanc's Home Equity Lines of Credit and Home Equity Loans:

For InsurBanc Home Equity Lines of Credit and Home Equity Loans, approval and interest rate availability based on credit worthiness. The rates referenced above are available for the most credit worthy applicants. Rates are subject to change without notice.

Available only for 1-4 family owner-occupied properties and approved condominiums and are not available on cooperatives. Home Equity Lines of Credit and Home Equity Loans are for a minimum of $25,000 and a maximum line of $250,000. You can borrow up to 75% of the equity in your home (65% for 2-4 family homes and 50% for condominiums) less your current mortgage. For requests of $250,001-$500,000, you can borrow up to 65% of the equity in your home (50% for 2-4 family homes and condominiums) less your current mortgage. Requests that are over the allowable limit may be approved at the bank's discretion but will require the purchase of mortgage insurance. Property insurance is required and flood insurance may be required. Home Equity Lines of Credit and Home Equity Loans are subject to additional terms and conditions.

Apply for a Home Equity Loan Product today!
Click here to download an application or contact us.

To help us process your Home Equity Line of Credit or Home Equity Loan application promptly, include your two most recent pay-stubs, and the last two years' W-2s [If self-employed, submit full copies of your last two tax returns (both Personal and Business, please)]; a copy of your most recent Real Estate Tax Bill; your homeowners insurance statement [or Declarations page]; and, statements for debts to be paid with loan.

Consumer Loans

Annual Percentage Rates Effective Sunday, May 11, 2008

Loan	Months
	12	24	36	48	60	72	120	180
Personal/ Unsecured	15.00%	15.00%	15.00%
New Auto 2008	7.00%	7.00%	7.00%	7.75%	8.00%
Used Auto* 2007, 2006	7.75%	7.75%	7.75%	8.75%	9.00%
2005	8.25%	8.25%	8.25%	9.25%
2004	8.50%	8.50%	8.50%	9.50%
Boat - New	8.00%	8.00%	8.00%	8.00%	8.00%	9.00%	9.00%	9.00%
Boat - Used (8 yrs or less)	10.00%	10.00%	10.00%	10.00%	10.00%	10.00%	11.00%	11.00%
Deposit Loans	2% over deposit rate or WSJ + 1%

* Older Model and high mileage on case-by-case basis. Rates subject to change without notification. Loan approval and interest rates availability based on credit approval and bureau score. Not everyone may be eligible for quoted rates. Click Here To Download Application.

To help us process your application promptly, include your two most recent pay-stubs, and the last two years' W-2s [If self-employed, submit full copies of your last two years tax returns (both Personal and Business)].

Contact:

Lending Division
866-467-2262 (toll free)