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These rates are effective: 11/1/2008

	Variable-Rate Home Equity Line Of Credit	Fixed-Rate Home Equity Line Of Credit	Fixed-Rate Home Equity Loan
APR *	As low as: 4.00% **	4.00% - 9.00%	4.00% - 13.25%
Rate	Based Upon Prime Rate***	Fixed	Fixed
Payment Options	*1% of the outstanding balance    *Interest-Only Payments	Principal and Interest	Principal and Interest
Terms Available	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
Maximum Financing	Up to 70% of Home's Value Excluding Existing Mortgages	Up to 70% of Home's Value Excluding Existing Mortgages	Up to 70% of Home's Value Excluding Existing Mortgages
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 Loan Call Center at (407) 277-5045 or Apply Online.

The benefits of a FAIRWINDS' Home Equity include:

• Work with a Lender You Can Trust
• Great Rates and Affordable Payments
• Quick and Easy Access to Your Home's Equity

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.
*** Variable rates potentially adjust monthly and are based upon the Prime Rate published in The Wall Street Journal.

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