*Annual Percentage Rate. Promotional rate applies only to new loans or $2,500 new money on existing HE Term loans with automatic payments deducted from an IBT Extra Checking account. (i.e. 36 monthly payments of $153.78 or 60 monthly payments of $98.97 based on a $5,000 loan) Rate may increase if automatic payments are canceled. If not deducted from an IBT Extra Checking account the rate is  .50% higher than published rate. A $73.00 property report and recording fee applies. If appraisal and/or title insurance is required, borrower will be responsible for the cost. The term and APR shown are effective 10/19/01 and are subject to change without notice. Interest paid may be tax deductible. Consult your tax advisor for clarification. Offer may be withdrawn at any time.