Come on…think big. Trip of a lifetime? Gourmet Kitchen? (Or awesome backyard fort! Woo hoo!) Then again, maybe you just want to consolidate some debt or pay for a child’s education. (We’re fans of the practical too.) ViewPoint Bank’s one-low-rate-for-every-term Home Equity Loan can help. No closing costs up to $100,0002 Potential tax savings3 (1) APR=Annual Percentage Rate. Rate quoted as of March 1, 2008. Special rate of 5.99% APR only available to ViewPoint Bank consumer checking customers, excluding Free Checking. Otherwise rate is as low as 6.24% APR. Rates, APRs, terms and conditions subject to change without notice. Up to 80% Loan-toValue (LTV). Normal credit standards apply. Subject to property valuation. Limited to one-to-four family units located in the state of Texas. Other restrictions on property may apply. (2) No closing costs on second liens up to $100,000. An appraisal and title policy may be required on loans over $100,000. (3) Consult your tax adviser regarding the deductibility of interest.