Home Equity Credit Line
Combined Loan-To-Value Ratio	Initial Interest Rate	Adjustable Rate	APR Example With Current 5.00% Prime Rate
80% or less	5.25%	Prime Flat	5.00%
Up to 90%	6.25%	Prime + 1.0%	6.00%

Your initial Annual Percentage Rate for Home Equity Credit Lines originated during May will be the major bank Prime Rate (5.25% as reported for 4/1/08 in the Wall Street Journal), or Prime + a 1.0% Margin, depending on the credit limit you choose relative to your home's value (your combined loan to value ratio or 'CLTV' - 1st mortgage balance plus the Home Equity Credit Line's credit limit, divided by your home's value). This initial loan rate will be fixed until June 1, 2008.

At that time, and each month thereafter, your rate will adjust to equal the Prime Rate in effect for the first day of the previous month plus a margin, as specified in your credit agreement. The major bank Prime Rate reported for May 1, 2008 is 5.00%.

Over the life of the loan, the maximum rate that can apply is 12.00%. Of course, your loan rate could go lower each time the Prime Rate is reduced. There is no minimum rate floor on our Home Equity Credit Line.

Access up to 90% of your home's value!

You can obtain a line of credit up to 90% of your home’s current market value (from $10,000 up to $300,000).

Eligible security for this low-cost loan program are owner-occupied single family residences in San Diego, Riverside or San Bernardino California counties. Home Equity Credit Lines are offered on a 1st or 2nd Trust Deed basis only.

You can have the financial flexibility to tap into your home’s equity whenever it’s needed.

Use your home’s equity to remodel or improve your home, buy a new car, take a well-earned vacation, pay your children's college tuition, consolidate higher-rate debts, or just have it available for emergencies. You can even use your Home Equity Credit Line as overdraft protection for your Pacific Trust Bank checking account.

Low Monthly Payments!

Your Home Equity Credit Line minimum monthly payment is just 1.00% of the unpaid account balance or $50, whichever is greater, during a 10 year Draw Period. You can borrow, pay down and re-borrow from your line of credit as often as needed during the Draw Period.

At the end of the Draw Period, a balloon payment is required on the outstanding balance plus finance charges.

No Closing Costs and No Annual Fees

There is No Cost to the borrower for Credit Report, Appraisal Estimate, Title Insurance, Flood Certification or Recording. And, there are no annual fees. An early termination fee (0.5% of credit limit) will be waived after the account remains open for 2 years.

Get More Information. Detailed information about our Home Equity Credit Line program is available on-line as an Acrobat Reader PDF file.

For information about other Pacific Trust Bank home loan programs, .

For general information about Home Equity Loans and Lines of Credit, please read the Federal Reserve Board's brochure "When Your Home Is On the Line".

Call us toll free at (877) 441-BANK or visit us to apply or receive more information, or you can .

* Equity line of credit programs for other types of properties are also available. All loans subject to credit approval. Some restrictions apply.

Use the equity in your home to make your dreams come true. Apply today for a Home Equity Credit Line.

For more information, call us toll-free at
(877) 441-BANK

This No Cost Special Offer is valid through 6/30/08, and is subject to change or cancellation at any time thereafter without notice -- Previous special offers are no longer valid.