Clearly, now's the time to use your home equity. Here's how:

Save with a great intro fixed rate, low variable go-to rate and no closing costs. To accept this limited-time offer, please enter your pre-qualified number from the letter you were mailed. Your loan application and approval process will be streamlined.

Don't miss out! Offer ends soon.

*Introductory APR is good for 6 months, after which, Home Equity Line interest rate will be adjusted to range from Wall Street Journal prime minus 0.25% to WSJ prime plus 1.00% based on credit worthiness and ability to repay. The annual percentage rate will vary but will not exceed the following: AL, LA & MS ­ 21% APR; FL ­ 18% APR. Current WSJ prime is 5.00% as of 4/30/08. All or part of interest may be tax deductible. Consult your tax advisor for details. Available to homeowners with a minimum lendable home equity of $10,000. Hancock Bank will pay all closing costs on lines up to $100,000 and up to $500 in closing costs for lines over $100,000. Closing costs typically range between $261 and $2,150. Waived closing costs exclude the following: AL ­ Mortgage Recording Tax; FL ­ Documentation Stamp Tax and Intangible Tax; LA ­ Orleans Parish Documentation Fee. If you voluntarily cancel your Home Equity Line of Credit within one year of opening, you will reimburse to us the closing costs that we have paid. Property insurance is required. Expires 7/11/08 on Home Equity Line and is available on new and existing lines with a minimum increase of $10,000. Existing lines eligible provided that no previous introductory rate applied to the original line. This offer may not be combined with any other rate discount offer or coupon. All loans subject to credit approval.