At this rate, it’s smart to borrow now.

• Great 2.99% intro-rate offer!
• No closing costs for lines $250,000 or less.**
• Interest may be tax deductible. Consult your tax advisor.
• Enjoy easy access to your funds.

Hurry! Offer ends soon.
Add a media room. Remodel the kitchen. Install new flooring. Pay down high-interest debt. Or take care of other important needs. But act now—this is a limited time offer! .

Call 1-800-965-5626 or visit the branch nearest you.

*Home Equity Line annual percentage rate (APR) is based on Wall Street Journal Prime Rate. The APR will vary but will not exceed 21% in AL, LA, MS or 18% in FL and will never be less than the 4.5% floor rate. The floor rate is not based on the index value for rate adjustments because the index value plus applicable margin is currently less than 4.5%. This rate will be in effect until index value, plus applicable margin, exceeds 4.5%. Using the 12/1/2011 index value, the current rate would have been 3.25% APR. Offer is limited to new lines and requires a mortgage on an owner-occupied 1-4 family dwelling with a minimum lendable equity of $10,000 and a maximum LTV of 90% in LA/MS or 80% in AL/FL. **The bank will pay all closing costs on lines $250,000 or less and up to $500 in closing costs for lines over $250,000. Closing costs typically range between $261 and $2,150. Waived closing costs exclude: 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. Rescission rights may restrict availability of funds. This is a limited time offer and may not be combined with other discounts. Normal credit criteria apply; all loans subject to credit approval; other terms and conditions apply.