Make a college tuition payment. Start your home remodeling. Consolidate credit card debt. Get a bridge loan to help finance the purchase of a home.

Consumers now and then need extra capital. Magna Bank has a variety of consumer loans — from equity lines of credit to personal loans — all to help get the job done.

Home Equity Lines of Credit (HELOCs)

Available on primary residences in Tennessee and Northern Mississippi.

Apply today for a Home Equity Line of Credit from Magna Bank. Enjoy the comfort of knowing your line is available for 10 years with the flexibility of accessing the funds at your convenience during that time. Simply pay interest monthly on the amount you borrow. Re-use the funds as often as you like as you pay principal back before the 10-year maturity.

• Low, variable interest rate
• No closing costs on lines up to $250,000. No annual fee
• 10 year revolving line of credit
• Borrow up to 95% of the appraised value of your home, less your mortgage balance
• Secured by a mortgage on your primary residence
• Interest may be tax-deductible - ask your tax advisor about the deductibility of interest
• Access funds with a special Equity Line Check
• Flexible payments. Interest due monthly on outstanding balance
• Principal may be paid any time before the 10-year maturity
• Minimum line - $20,000

Maximum line available with no closing costs is $250,000. Minimum line $20,000. The annual percentage rate (APR) may vary and is based upon Prime as published in the Money Rates section of The Wall Street Journal. Interest rates range from Prime -.25% to Prime +1.00% (5.00% to 6.25% APR as of 3/19/08). Rates subject to credit and underwriting. Maximum APR is 21%. Prepayment charge of $300 if line closed during first 36 months. Release fee of $12 when line is paid off and deed is released. Monthly payments of interest only will result in a balloon payment. Property insurance required. Some restrictions apply. Ask for details.

Home Equity Loans

1st and 2nd Mortgage Loans - Available on primary residences in Tennessee and Northern Mississippi.

Apply for a Home Equity Loan at Magna Bank. Borrow the full amount now and repay in fixed monthly payments of principal and interest.

• Low, fixed interest rate
• Fixed monthly payments of principal and interest
• No points - no escrow
• Available terms up to 20 years
• Borrow up to 95% of the appraised value of your home, less your mortgage balance
• Minimum loan - $20,000
• Secured by a mortgage on your primary residence
• Interest may be tax-deductible - ask your tax advisor about deductibility of interest
• No closing costs on loans up to $250,000

Rates subject to credit and underwriting. The monthly payment on a $25,000 loan with an 7.5% APR and term of 10 years is approximately $296.87 (assumes 89.9% loan to value). Maximum loan available with no closing costs is $250,000. Minimum loan is $20,000. Prepayment charge of $300 if line closed during first 36 months. Release fee of $12 when line is paid off and deed is released. Property insurance required. Some restrictions apply. Ask for details.

Bridge/Swing Loans

Available on primary residences in Tennessee and Northern Mississippi.

A Bridge Loan might be the answer! You may be able to borrow against the equity in your existing home for the down payment on the home purchased. Pay off the Bridge Loan from the sale of your existing home.
Maximum term - 1 year.

• Borrow up to 89.9% of the appraised value of your home, less your mortgage balance
• Secured by a mortgage on your existing primary residence
• Low, variable interest rate
• Interest may be tax-deductible - ask your tax advisor about tax deductibility of interest
• Interest payable monthly. Principal due in 1 year
• Loan fee of 1% (minimum $250) plus title, appraisal, recording, flood certification, and release fees
• Fees may be financed

The annual percentage rate (APR) may vary and is based upon Prime as published in the Money Rates section of The Wall Street Journal. Interest rates range from Prime plus 1% to Prime plus 2% (6.25% - 7.25% APR as of 03/19/08). Rates subject to credit and underwriting. The monthly interest payment on a $50,000 loan with a 9.25% APR is approximately $392.81 for 12 months. Maximum APR is 21%. Minimum APR is 4.50%. Monthly payments of interest only will result in a balloon payment. Title insurance may be required. No prepayment penalty.

Magna Bank also offers loans secured by automobiles, Magna CDs, and stocks listed on NYSE, AMEX, or NASD as well as U.S. Government and U.S. Government Agency securities. Please call us for information on these loan products.

To make an application or for questions, please call:

• Memphis • 901.259.5400 or 888.653.1888
• Nashville • 615.221.5104 or 888.827.6167