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APR= Annual Percentage Rate. Rate based on the Prime Rate (published in the Wall Street Journal) plus a margin as outlined in the Home Equity disclosure, with a floor as low as 3.500%. The minimum floor rate you receive will be based on the loan-to-value (LTV) ratio. Maximum LTV up to 80.000%. The annual percentage rate can change quarterly on the first day of January, April, July, and October. We will use the most recent index value available to us as of 15 days before the date of any annual percentage rate adjustment. The rate cannot increase or decrease more than 0.500 percentage points at each adjustment. Maximum cap of 15.000% APR. Minimum draw of $300. Annual fee of $100 is applied on the anniversary date of the loan. Home must be 1 to 4 units, owner occupied or second home, California properties only. This offer may not be available with balloon or negative amortization first mortgage or third liens. All loans subject to credit approval and our Credit Union lending policies. See disclosure for important terms of our Equity Advantage program.