Home Equity Lines of Credit
and Home Equity Loans

If you want to finance your child's education, renovate your kitchen or consolidate high-rate bills, a First Citizens Home Equity Line of Credit¹ or Home Equity Loan¹ is a smart, sensible solution. We offer two convenient ways to borrow using the equity in your home:

• A Home Equity Line of Credit is a revolving line of credit that lets you access the equity in your home as you need it (up to your available credit limit) either by writing a check or by using your Home Equity Visa^® Gold Card. The interest rate is variable² based on The Wall Street Journal Prime Rate.

• A Home Equity Loan is a lump-sum loan with a fixed interest rate, fixed term and fixed monthly payments. A Home Equity Loan may be a good choice if you know the exact amount of money you need for home improvement or a major purchase.

No matter which option you choose, you'll enjoy these advantages...

• Interest may be tax deductible (consult your tax advisor for details)
• Competitive rates typically lower than most credit cards or personal loans
• Flexible repayment terms — with no penalty for early pay-off
• The convenience of making payments by check, online or with automatic deduction from your checking account
• Optional Credit Life Insurance that gives your family protection and peace of mind³

To use the equity in your home to get the cash you need, when you need it, call 1-888-612-4444 or stop by your local Branch Office.