• Amounts up to $50,000 with no closing costs*
• Interest may be tax-deductible**
• Easy access to funds--ATMs, online banking, telephone banking, check, or any Patelco branch
• Great for home improvement projects, a much-needed vacation, or to consolidate debt
• Money is funded in one lump sum
• Fixed rate means fixed monthly payments

Apply for a 7-year Home Equity Loan today or ask us about our other equity loans and lines of credit. Visit our Real Estate Center or call us at 415.442.6200 or 800.358.8228 (outside California)--a live representative is available 24/7.

* Annual Percentage Rate as of 4/1/06; subject to change. Calculations based on a loan amount of up to $50,000. No introductory rate and rate is good for the life of the loan. There are no closing costs for loans $50,000 and under. The APR is 6.14% for amounts over $50,000 and up to $250,000. Pass through fees apply for amounts over $50,000 and up to 250,000. Rates subject to credit approval and clear title. Up to 80% loan to value. Rate is 5.99%. Payment example: $146 per $10,000 borrowed. Available in Arizona, California, Colorado, Florida, Illinois, Nevada, Oregon, and Washington. Other programs, rates, and terms may be available.

* Consult your tax advisor about the deductibility of interest paid.