Community First Bank on Clearwater is locally owned and managed. This means we're able to give you an uncommon level of service, personal attention and products ... including our new Dreamline Home Equity Line of Credit.

There is no annual fee...and no closing cost for linesup to $75,000 when you maintain a checking account with Community First Bank. The APR is 5.00% (based on prime rate + 0%, with a floor of 5%)...and best of all you will get the same day approval.

For more information, contact:

Frank Apodaca 6401 West Clearwater, Kennewick Ph. (509) 783-3435 Email Frank

*Subject to credit approval. APR is 5.00% based on Wall Street Journal prime rate + 0% with a floor of 5% adjusted monthly. Rates may vary but will never exceed 18% APR. The annual fee of $99 is waived with a CFB checking account. If the line of credit is terminated for any reason within 2 years, a $400 early closure fee applies. Property and hazard insurance required. Closing cost waived applies to lines of $75,000 or less. Lines above $75,000 may require payment of 3rd party fees from $250 to $1500. CFB checking account required to get waiver fees. Normal checking account charges apply. Please refer to specific checking account disclosures for details. You should consult a tax advisor regarding deductivility of interest.