Credit Card

• VISA credit card
• No annual fee
• No cash advance fee
• 25 day grace period on purchases
• 16.44% APR

Home Equity Line of Credit

• Interest rate based on the lowest prime rate published in the Wall Street Journal, presently 5.00% APR
• Rate changes 1st day of month following a prime rate change
• $35 annual fee (waived first year)
• 10 year term
• Minimum draw requirements - $500 per transaction
• Monthly payments equal 2% of loan balance