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IMPORTANT TERMS OF OUR home equity line OF CREDIT This disclosure contains important information about our Home Equity Line of Credit. You should read it carefully and keepa copy for your records. Availability of Terms: All of the terms described below are subject to change prior to the opening of your Home Equity account. If

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 · Home equity lines of credit (HELOC) allow you to borrow money using the equity or value of your home as collateral. HELOCs may be a better alternative than a credit card, or personal loan, as rates tend to be lower (as the loan is tied to your home.

HELOCs (Home Equity Line of Credit) are useful tools for bill consolidation- you can pay off several high-interest debts and just have one low monthly payment. They also can be an excellent safety net to have in place so you an be ready if a major unexpected expense arises.

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