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Show I Ittfentn Sthk $iufty (Inmp I I FORMING I For Further Information Call 801 -679-8668 or 1 -800-455-4GOD 11 THE SEARCH Am IS OVER! W Happy , Ericsson Flip only CELLULARONE network Call Toll Free 800-381-2355 CANNONVILLE TEASDALE eorgTompson07 Our ted energy management programs for local businesses often n with a high level with executive management. At Utah Power, our programs to W lli IfBBPI save energy for local businesses are state-of- r JtTWrni It 9 ' I iir the-art. They can deliver ijjjr J m f flUL not only technical am jhbks flfli f fll flHHHa guidance and direction, JfB "- but innovative ways to pay for energy efficiency upgrades that might HH be required. 4RPHHHmHB But, valuable as that may be, HHHNHflHHMHA&'9'.iKH our commitment to energy efficiency starts and ends with people. Sure, we'll bring in the j9B experts if need be. But in the end it's a local partnership with someone you know at the BMli local power company. .Jj Someone you can count on. PBBliiB. Mm JHH UTAH POWER THE RIGHT KIND OF ENERGY A Division of PacifiCorp .m -m Zicvu Bank home equity credit line. lCGf B Whether lor life's necessities or its enjoyments, chances are pretty good you're going to need extra cash now and then. SIX MONTH APR VAKIAHI.E APR INTRODUCTORY RATE LOAN-TO-VAl.UE No Points I No Fees s j Frankly, if you use it wisely, a Zions Bank home equity line is the smartest place to get it. First off, the interest is usually usual-ly tax deductible.1,1 Secondly, the annual rate is terrific. (You've probably noticed the chart above.) You can even borrow up to 100 of your home's value Thirdly, the 6 month introductory intro-ductory rate of 5.99 is as good as it gets. And another big plus is that ; you can use the money however you want whenever you want. All of which makes a Zions Bank home equity credit line more attractive than all those i campaign promises you've been ; hearing lately. To apply, stop by your local Zions Bank office, or better yet call 1-800-789-LOAN (537- ;j LOAN in the Salt Lake area). ZIONS BANK Member F D I C " The special six month introductory rale is .99. Annual Percentage Rale (APR). The regular variable rale, which will take eD'ect six months after your loan begins, varies based on the J amount of equity you have in your home and the prime interest rate. As of 3896 the prime rale is 8.25 APR. Currently if your loan-to-value ratio is 25 or less, your regular rate will S be prime plus 34 (9 APR). II your loan-to-value ratio is 26-50, your regular rile will be prime plus 1 14 (9 12 APR); 51-70. prime plus I 34 (10 APR); 71-80, prime plus 2 (10 14 APR): 81-90 prime plus 4 (12 14 APR); 91-100 prime plus 5 (13 14 APR). The maximum APR is 18. Zions Bank's prime rate is equal to its jj base rate as defined in the loan documentation. -All rates are based on the prime rate in effeel si months from the time your loan begins. Actual rales may vary. Property val- fllj . ues will In- determined bv the bank. A $15 charge is made lor any check or draft written against the line for less than $500. II the line is not used once during any calendar year, oouwwmc S a $50 fee will be assessed. This offer is available on home equity credit lines below $250,000. Ask your financial advisor about tax deductibility. .j Jj |