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These rates are effective: 5/1/2008

	Home Equity Line of Credit -- Interest Only -- (Rates Change Monthly)	Home Equity Line of Credit (Rates Change Monthly)	Home Equity Line of Credit	Home Equity Closed-End
Rate	As low as: 5.00% **	As low as: 5.00% **	6.00% - 12.50%	5.75% - 12.25%
Type	Variable	Variable	Fixed	Fixed
Total Points	0	0	0	0
APR *	As low as: 5.00% **	As low as: 5.00% **	6.00% - 12.50%	5.75% - 12.25%
Term	Interest Only 7 years Draw Period 15 years Repay Period 30 years	Draw Period 15 years Repay Period 30 years	Draw Period 2 years Repay Periods 5 years 10 years 15 years	Repay Periods 5 years 10 years 15 years 20 years
Max Loan Amount	Loan to Value <= 90% $417,000	Loan to Value <= 90% $417,000 Loan to Value > 90% $100,000	Loan to Value <= 90% $417,000 Loan to Value > 90% $100,000	Loan to Value <= 90% $417,000 Loan to Value > 90% $100,000
Calculators:	Use our Home Equity Loan Calculator to determine the value of a loan. More Home Equity and Mortgage calculators.

FAIRWINDS offers a wide variety of mortgage products. For more information, call the Real Estate Home Equity Department at (407) 277-5045. Applications may be faxed to (407) 380-1406.
Apply online for Home Equity Loans.

The benefits of a FAIRWINDS' Home Equity include:

• Great service
• No points
• We pay closing costs up to $500 for applicants that take a minimum of $15,000 at the time of disbursement on our variable Home Equity Line of Credit (excluding interest only).
• Current tax laws usually permit deductions on $100,000 or less of home equity financing depending on the equity in the home. Please consult a professional tax advisor.
• No fees for:
  • Application
  • Maintenance
  • Origination
  • Underwriting
  • Document preparation
• Learn more about our Home Equity Loans

Rates are subject to change without notice without notice.
* APR = Annual Percentage Rate
** Your actual rate will be based on your credit quality, loan to value, and actual term.

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