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| Clean Up This Spring! Start with a great Home Equity credit line rate. |
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| Spring is everybody's favorite time to put a fresh face on things. If you're a homeowner ready to remodel and reorganize, nowâs the time to take advantage of the equity you have in your home. We're here to help with great financing offers on our Home Equity credit line. Clean up this spring with our great rate and a $50 Gift Card for The Container Store¨ that you receive at loan closing! |
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| To apply by phone, dial (800) 736-9319, to reach the nearest branch, please call (800) 355-0507, or click here to find the nearest location. For information on our Business CashLine credit line offer, click here. |
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*Prime Rate (Index) is 5.50% as of 2/24/05. Offer good through April 30, 2005 on all Home Equity Credit Lines. California Bank & Trust (CB&T) will waive the annual fee (currently $65, subject to change) for the first year. In addition, there are no points, closing costs or third-party fees for credit lines $250,000 or less (except that any external appraisal requested by a borrower will be at the borrower's expense). For credit lines over $250,000, there are no points, borrower pays all closing costs and third party fees. Offer applies to new credit line applications submitted before offer end date. The introductory variable Annual Percentage Rate (APR) is Prime Rate minus 1.00% (currently 4.50% APR) for all billing cycles through December 31, 2005 . Beginning with the January 2006 billing cycle, the standard APR will be based on the Wall Street Journal Prime Rate (Index) plus a margin. Minimum margin is 0% and maximum margin is 1.25% depending upon individual creditworthiness. APR can vary monthly. Minimum APR is 4.50% for all billing cycles through December 31, 2005 and 5.50% beginning with the January 2006 billing cycle. Maximum APR is 16%. Rates and terms are subject to change without notice. Above rates and terms apply to owner-occupied single-family residences, including duplexes, with LTVs up to 80%. Property insurance is required. Consult your tax advisor regarding deductibility of interest. Certain restrictions apply. At loan closing, each application submitted by April 30, 2005 will receive a $50 Gift Card for The Container Store. One Gift Card per credit line. The Gift Card may be used to make purchases in The Container Stores' retail outlets, online and by phone. The Gift Card is not redeemable for cash (except where required by law). The Gift Card may not be sold or bartered. CB&T and The Container Store will not replace the remaining value on a lost, stolen, or damaged card. The Gift Card does not have an expiration date. The Container Store is a registered trademark. © Copyright 2005, California Bank & Trust. All rights reserved. |
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