Company	Intro Rate Term (# of mo.)	Regular Rate Max LTV	Fees/Comments	Updated
Leader Bank 781-646-3900 Company Info.	Prime + 0% 120/240	Prime + 0% 80%	$399 Closing Fees.	6/21/05
Ipswich Co-operative Bank 978-356-3600	-	Prime 80%	Rate capped at 10.75%.	6/21/05
The Cooperative Bank 866-398-9685		Prime + 0% 80%	Rate is tied to Prime. No Closing Costs, No Prepayment Penalty	6/21/05
Wellesley Bank 781-235-2550		Prime + 0% 80%	Prime for life, no annual fee. Contact Brian ext. 114 for info. www.wellesleycoop.com	6/27/05

Rates are quoted based on a $50,000 variable rate, revolving, home equity line of credit with an 80% loan to value ratio. Rates apply to an owner-occupied single family home. "Intro. Rate" refers to an introductory interest rate being offered, if any. "Term of Intro. Rate" refers to the time period during which the introductory interest rate remains in effect. "Regular Rate" refers to the interest rate that is in effect after any introductory period. Rates shown as "P+" or "P-" refer to rates that fluctuate with the "Prime Rate", a leading interest rate indicator reported in the Wall Street Journal. "Max LTV" refers to the maximum loan to value ratio, which limits how much a financial institution will lend you. This is determined by comparing the value of your home with the total of all mortgage loans on the property (including the proposed home equity loan). For example, if the value of your home is $400,000 and your current mortgage is $300,000, you have a 75% loan to value ratio. If the maximum loan to value ratio allowed is 90%, you can borrow another 15% of the value of your home, or $60,000. All rates and other terms posted are believed to be accurate but cannot be guaranteed and are subject to change without notice. Fees and other restrictions may apply. Please contact each company to verify its information and for more details. Disclaimer.