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Own your home? Apply for a Home Equity Line of Credit today.

No one loan is right for every person. A Home Equity Line of Credit from Morrill & Janes Bank gives you so many choices that you may never need another credit card or personal loan again!

A HELOC may be right for you if you have unexpected expenses that are stretching your finances such as:
	Home Improvements
	Purchasing a new or used vehicle
	Tuition
	Wedding
	Vacation

By using the equity in a home you own, a Home Equity Line of Credit will let you decide how and when to use cash based on your needs. Like a credit card, your Home Equity Line of Credit gives you the convenience of making small or medium size purchases. Like a more traditional type of consumer loan, your Home Equity Line of Credit can also be used for single larger item expenditures - many times at a lower financing rate, which saves you money.

Look at the Great Features of a Morrill & Janes Bank HELOC

	No annual fee
	No application fee
	No appraisal fee
	No transaction fees to access line
	Lower rates than unsecured loans such as credit cards or personal loans
	Lower rates than some secured installment loans

Important Terms & Conditions: Product limited to home owners and residents of the following KANSAS counties: Brown, Doniphan, Jackson, Nemaha and Pottawatomie.

* Limited Time Offer. Introductory Rate of 5.95% APR (Annual Percentage Rate) is for the first year after loan closing. Maximum line of credit amount is $50,000. After the introductory period, the APR is based on the Prime Rate plus a margin. The Prime Rate is published in The Wall Street Journal Money Rates Table on the last business day of the month. Your margin can vary from .0% to 1.00% based on the loan to value ratio. As of 9/19/07, the APR ranges from 7.75% to 8.75%. The APR may change monthly but will not exceed 18%. Insurance must be carried on the property securing the loan. Offer and rates are subject to change without notice. Subject to credit approval. New accounts only. At maturity, the entire balance must be paid. This product is limited to homeowners and residents of the following Kansas counties: Brown, Doniphan, Jackson, Nemaha and Pottawatomie. Consult a tax advisor regarding the deductibility of interest.

Visit us at any Morrill & Janes Bank branch to learn more about how the Home Equity Line of Credit might be the right loan for you! Or, Apply Online Now!

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Apply Online Today for a NO FEE Home Equity Line of Credit* and get a low 5.95% APR for the first year. For more information, click this link to Home Equity Line of Credit.

Plus - get a Totally FREE Checking Account and a FREE GIFT when you open a new HELOC. For more information, click this link regarding our Totally FREE Checking Account and available Overdraft Privilege.

Apply Online Today!