HOME EQUITY LINE OF CREDIT

As the value of your home increases, a United Americas Bank Home Equity Line of Credit can be used to consolidate debt, renovate your home, pay for education, or make a large purchase. Our Home Equity Line of Credit allows you to choose when you will borrow funds and how much you will borrow as long as you do not exceed your assigned credit limit.

Features and Benefits:

• Ready access to your credit when and where you need it
• Monthly payments will consist of accrued finance charges for the first 10 years of the loan
• The repayment period for the last 5 years of the loan will consist of monthly payments of accrued finance charges plus 1.5% of the outstanding principal balance
• There may be a balloon payment at maturity