Prime Home Equity Credit Line

No Closing Fees… Period.

Our Prime Home Equity Credit Line is exactly what the name suggests: a readily available resource with an annual percentage rate based on the prime rate.*  And unlike many other banks, there are no closing fees, no annual fees, and no membership fees. You may be eligible for significant tax benefits, which we encourage you to discuss with your tax advisor.

---

The Bank of Tampa Prime Home Equity Credit Line at a Glance

• Annual percentage rate equal to the prime rate (subject to a minimum APR of 3.75%)
• Minimum credit line of $10,000
• Maximum loan to value ratio of 80%
• Instant access to funds just by writing a check for $100 or more
• 10-year draw period
• No application or membership fees
• No closing fees on credit lines -- period
• Overdraft protection for your checking account

To apply, call or visit any of our offices.

Minaret Diamond Relationship

In addition, if you maintain a Prime Home Equity Line of Credit of $50,000 or more (with no draw down requirements) and you will qualify for our premier relationship account package that features two checking accounts, a Visa® Check Card with special higher purchase and withdrawal limits; a Visa Platinum Credit Card with no annual fee and a special low interest rate (subject to credit approval), free Personal Online Banking with CheckFree® Bill Pay; surcharge-free ATM transactions at Publix Presto! machines; refunds of surcharge fees imposed by other U.S. banks of up to $25 per month; plus many other courtesy fee waivers.

Contact your personal banker for more details.

---

*Subject to credit approval. The APR may change and is based on The Wall Street Journal prime, subject to a minimum APR of 3.75%. The Wall Street Journal prime is 3.25% as of April 15, 2013. The maximum APR is 18%. The Bank of Tampa will pay all bank-required closing fees on Prime Home Equity Credit Lines. Property and flood insurance may be required. Available to consumers living in the greater Tampa Bay area, which includes Hillsborough, Pinellas, Pasco, Manatee and Sarasota counties. The line of credit must be secured by a first or second mortgage on the borrower’s principal residence or their second/vacation home (excluding investment/rental property). Maximum loan to value ratio of 80% on first $1 million of home valuation; 70% maximum loan to value on amount of home valuation in excess of $1 million. If the mortgage is satisfied within 12 months of the account opening, there will be a $500 early payoff fee assessed for credit lines up to $100,000, and $750 for lines over $100,000. You may be eligible for significant tax benefits, which we encourage you to discuss with your tax advisor.

---