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Home Equity Lines as low as 3.99%APR*

Equity lines use your home's value as collateral. They offer several advantages:

• Lower interest rates than traditional loans;
• Use loan proceeds for a variety of needs;
• The flexibility of accessing funds whenever you need them
• The ability to re-use available funds as you pay down your balance;
• Possible tax benefits (check with your tax advisor);
• Flexible terms – borrow up to $250,000 (we lend up to 80% of your homeâ?Ts value for owner-occupied properties).

Act fast, limited time offer to save even more!

To take advantage of the below offer you must apply between April 1 and June 15, 2013.

• Twelve Month Introductory Period: 3.99% APR (fixed rate).*
• After Twelve Month Introductory Period: rates start at 5.00% APR (variable rate).*
• No closing costs!**

Apply online, over the phone at (858) 487-1880, or in person at our branch.

*APR=Annual Percentage Rate. Rates effective 04/01/2013 for new Equity Lines. Please call NCCU at (858) 487-1880 for current rates. Hazard, flood and title insurance and NCCU membership are required on all Equity Lines. California owner-occupied residences only. All loans subject to credit approval.

Equity Line Introductory APR is "discounted" for the first twelve billing cycles. Our standard fully-indexed APR will commence beginning the thirteenth billing cycle. Our standard APR is based on the Wall Street Journal Prime Rate (Prime + 0%). When a range of prime rates is published, the highest prime rate applies. Rate varies monthly. Maximum APR is 14%. Minimum APR is 5%. NSF charge is $30. Late payment fee is 5% of payment or $10.00, whichever is greater. Over-the-limit fee is $18. Annual fee of $25 is waived for the first year and any year with an outstanding balance of $20,000 or more. The minimum initial credit advance that you can receive is $10,000.

**North County CU will pay closing costs (excluding government recording charges and title insurance) on new Equity Line applications received between 04/01/2013 and 06/15/ 2013. Initial loan advance must be made by 07/15/2013. Loans paid off and closed in less than 2 years from the loan origination date will require reimbursement of all closing costs paid by North County Credit Union. Closing costs typically range between $150 and $800 depending on the location of the property and the amount of the Equity Line. Offer excludes Equity Lines used for a home purchase and the appraisal fee, if an appraisal is necessary.

NMLS #756614

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