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Amazon.com: House Of The Dead 2: Computer & Video Games Your Store Computer & Video Games See All 32 Product Categories   Your Account | Cart | Wish List | Help | browse by system | top sellers | new & future releases | kids & family | game hardware | outlet Search Amazon.com Video Games Used Video Games Web Search This item is not eligible for Amazon Prime, but over a million other items are. Join Amazon Prime today. Already a member? Sign in . ITEM INFORMATION Explore this item buying info accessories product description customer reviews See more by this manufacturer Sega of America, Inc. Customers also bought these other items... Share your thoughts write a review write a So You'd Like to... guide tell a friend about this item RATE THIS ITEM I dislike it I love it! 1 2 3 4 5 Edit your ratings 7 used & new from $12.95 A9.com users save 1.57% on Amazon. Learn how . Have one to sell? House Of The Dead 2 Other products by Sega of America, Inc. Platform: Sega Dreamcast Availability: Available from these sellers . 7 used & new from $12.95 ESRB Rating: Mature (Content suitable for ages 17 or older.) See more pictures | Accessories Note to Customers: Gore, Horror, Mature Content, Realistic Violence (what this means) Features: Blow away killer zombies 6 levels of intense shooting action Based on the smash arcade shooter Branching levels and storyline Use a lightgun (sold separately) for maximum blasting Amazon.com Sales Rank: Today: #4,737 in Computer & Video Games , #16,632 in Electronics Yesterday: #3,699 in Computer & Video Games , #12,400 in Electronics Manufacturer's age: 17 years and up Shipping: Currently, item can be shipped only within the U.S. ASIN: B00000K4BU Item model number: 51002 Dimensions: 5.50 inches x 0.50 inches x 5.00 inches Date first available at Amazon: August 15, 2000 Average Customer Review: Based on 100 reviews. Write a review . Customers who bought this itemalso bought these items: Zombie Revenge by Sega of America, Inc. Sega Dreamcast Console by Sega of America, Inc. Jet Grind Radio by Sega of America, Inc. Resident Evil:Code Name Veronica by Capcom Explore Similar Items : 19 in Computer & Video Games What similar items do customers ultimately buy after viewing this item? 34% buy The House of the Dead III by Sega of America, Inc. 23% buy Evil Dead: Hail to the King by THQ 21% buy this item(House Of The Dead 2by Sega of America, Inc. 7% buy House of The Dead by Sega of America, Inc. 1% buy SEGA House of the Dead 2 by Activision Explore Similar Items : 9 in Computer & Video Games Product Description Editorial Review Direct from the arcades to the Dreamcast, Sega has a sure-fire smash on its hands with this near arcade-quality translation of popular zombie shooter House of the Dead 2 . Most fast-action gaming fans will immediately dive into the basic premise of this game: shoot and destroy the zombies that have invaded the creepy haunt known as the Curien Mansion. For what it's worth, however, House of the Dead 2 does contain a pretty intriguing plot that moves beyond the simplistic point-and-shoot genre. In addition to the fast-moving action, there are several subplots that shed light on the darker secrets lurking within this eerie, zombie-infested environment. Gameplay can be set to accommodate several skill levels, including easy, medium, and hard game settings. Even if you manage to master this game, there are several alternative plot and game paths that will keep you coming back for more. Your shooting patterns and on-screen actions will determine the plot path and gaming areas that you can explore. Skilled shooters and well-trained zombie slayers will be rewarded with secret game areas and unusual plot twists. By saving the lives of innocent bystanders, you will usually be able to take a shorter path to the end of the game level. In addition, you'll often gain health bonuses that enable you to play longer. If you complete the game without allowing any hostages to die, you'll even unlock a secret bonus room. A few years ago, Sega disappointed some hardcore fans with its less-than-perfect home translation of the original House of the Dead game. With House of the Dead 2 , Sega has fully redeemed itself. The Dreamcast is the only home game system with the processing power to do the arcade game justice--and it shows. We just about drooled over the graphics, which have to be seen to be believed. The home version even expands beyond the arcade gameplay with exclusive new levels, including a training mode that helps you practice your shooting skills before you enter the game. There are also several never-before-seen secret game areas that were developed exclusively for the Dreamcast. The only disappointment here is Sega's decision not to include the light gun accessory with this title. You can play with a basic Dreamcast controller, but the game was designed with the light gun in mind. Without a light blaster, it's just not as fun. It's a good thing that third-party companies, such as InterAct, are already offering light guns that are compatible with the Dreamcast. We highly recommend purchasing this separately sold light gun accessory; it makes the game infinitely more enjoyable and, frankly, some of the harder areas of the game are almost impossible to beat without it. --Brett Atwood Pros: Near perfect arcade-to-home translation Multiplayer support with a second Dreamcast controller or light gun (sold separately) Exclusive levels developed only for the Dreamcast Multiple game paths Cons: Gameplay suffers without optional light gun accessory GameSpot Review The often-used phrase "Virtua Cop meets Resident Evil" doesn't quite do Sega's zombie-blasting arcade gun-game series justice, but it's certainly close enough to give you the general idea of what the House of the Dead series is all about. In it, you're part of a government agency in charge of stopping the machinations of the nefarious and incredibly monotone Goldman, a suit-wearing evil mastermind intent on wiping out the human race with his monster hordes for reasons that never really quite... read more See all product description... Spotlight Reviews (What's this?) Write an online review and share your thoughts with other customers. 10 of 11 people found the following review helpful: The Best Zombie shooter! , May 3, 2000 Reviewer: A. Griffiths "Adrian" (London)- See all my reviews There still aren't that many Dreamcast games out than can be called "must-haves", but "House Of The Dead 2" is definitely one of them. But do you need the gun to play it? YES! Otherwise, it will be nowhere near as much fun and almost impossible to beat it, as the monsters are often zipping all over the screen at great speed. The game is extrememly hard anyway, even set on the "very easy" level (!), and the first few times you play it you will be killed long before the final battle, but the game would be over far too quickly if it were easy. The feel good factor from final victory, however, is always worth waiting for. Every aspect of the graphics is fantastic, the zombies are incredibly detailed, especially in close up, and the backgrounds are beautifully realised. Replay value comes from the many different paths you can take through the zombie-infested town. These paths depend on the speed and accuracy of your shooting, and you will enjoy replaying the game to try and hit those tricky targets, and save the innocent civilians, some of which are extremely difficult to rescue. Also added is "Original Mode" in which you build up a store of power-ups and life-ups, and even some bizarre different weapons and character-modifiers that appear in secret spots in the course of the game. You really need a VMU for this mode, although you can enjoy the arcade game without one (there are no save points during gameplay). Add to this the training exercises, and you have an arcade experience that is not only transported identically into your living room, but also enhanced with many extras! The game is above all fun to play, as it requires no serious investment of time or thought. You can pick it up at any time, and start blasting the undead! Was this review helpful to you? ( Report this ) Dreamcast classic , January 20, 2002 Reviewer: N. Durham "Big Evil" (Reading, PA)- See all my reviews One of the first games released for the Dreamcast, House of the Dead 2 is an instant classic. The game is identical to the arcade smash with the inclusion of exclusive Dreamcast levels, and the graphics and detailed zombies will leave your mouth watering. The voice acting is pretty bad though, making the voice acting from the first Resident Evil look like Shakespearian acting, but that is overlooked by the shoot 'em up action. A light gun is strongly recommended, but the standard DC controler works just as well, somewhat. Was this review helpful to you? ( Report this ) All Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. 1 of 2 people found the following review helpful: Not perfect but fun , October 9, 2004 A Kid's Review I only have this because I have Xbox's House of the Dead 3.The House of the Dead 3 is better.Better graphics,effects,blood,gore,and options.I'd reccomend that one more.But if you are more pleased with House of the dead 2 and only have an Xbox then get House of the Dead 3,beat it,and go to The House of the Dead 2.There,you start at The House of the Dead 3 and go back in time in a time machine until you reach the year 2000. Was this review helpful to you? ( Report this ) A very good Classic Horror Shooter , July 16, 2004 Reviewer: A gamer This game is pure fun. It is a must own shooter for all people who own a Dreamcast. I am dissapointed that Sega has stopped its bussiness in the gamming industry. Anyways, this shooter packs non-stop zombie blastin' action. But get this first, if you buy this game, get a lightgun. The dude with the lightgun is the king, the one without is zombie chow. I also like the way you can blow off individual body parts. Was this review helpful to you? ( Report this ) A must own for DreamCast Owners every were! , July 7, 2004 Reviewer: Robert evans (USA)- See all my reviews HOFD2 Is Awesome. It's very violent and gory which is why I love it. It was a very popular game when it came to the arcades but now you can play this blessing game any time you want at your own home! The story for this game is pretty good. The bad guy in it is cool.. The bosses are loads of fun. House of the Dead II is one of the best gun games you can find for a system. The zombies in these are cool. Any part of there body you shoot one part of them gets blown. This is one of Dream cast strong holds before it lost it's popularity in the US. This game is excelent for DreamCast owners... Other games of choice Sonic Adventure Sword of Berserk Spawn:In the demons hand Soul Calibur If you have a DC go out and get this game. It rocks! Later Was this review helpful to you? ( Report this ) A must own for DreamCast Owners every were! , July 7, 2004 Reviewer: Robert evans (USA)- See all my reviews HOFD2 Is Awesome. It's very violent and gory which is why I love it. It was a very popular game when it came to the arcades but now you can play this blessing game any time you want at your own home! This is one of Dream cast strong holds before it lost it's popularity in the US. This game is excelent for DreamCast owners... Other games of choice Sonic Adventure Sword of Berserk Spawn:In the demons hand Soul Calibur If you have a DC go out and get this game. It rocks! Later Was this review helpful to you? ( Report this ) See all 100 customer reviews... So You'd Like To... play some quality games on a forgotten console... :by Ughsassin , Casual Gamer and DReamcast Enthusiast get a Dreamcast :by David , video game fanatic Know About The Best System :by Scott Duft , Person Who Likes Games Listmania! Dreamcast Games You Can"t Go Wrong With :A list by J. Clark , I play games too often Games No Self Respecting Sega Gamer Should Be Without :A list by sega@innernet.net , 10 Year Sega Fan/Supporter My favorite games (All platforms) :A list by Alex Kain , 16 year old gamer Browse for Computer & Video Games Systems > More Systems > Sega Dreamcast > All Games Systems > More Systems > Sega Dreamcast > Action > Horror Systems > More Systems > Sega Dreamcast > Action > Shooter Systems > More Systems > Sega Dreamcast > Action Suggestion Box Your comments can help make our site better for everyone. If you've found something incorrect, broken, or frustrating on this page, let us know so that we can improve it. Please note that we are unable to respond directly to suggestions made via this form. If you need help with an order, please contact Customer Service . Please mark as many of the following boxes that apply: Product information is missing important details. Product information is incorrect. The page contains typographical errors. 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Federal Trade Commission -- Search: Facts for Consumers PDF Version Looking for the Best Mortgage Shopping around for a home loan or mortgage will help you to get the best financing deal. A mortgage—whether it's a home purchase, a refinancing, or a home equity loan—is a product, just like a car, so the price and terms may be negotiable. You'll want to compare all the costs involved in obtaining a mortgage. Shopping, comparing, and negotiating may save you thousands of dollars. Obtain Information from Several Lenders Home loans are available from several types of lenders— thrift institutions , commercial banks, mortgage companies, and credit unions. Different lenders may quote you different prices, so you should contact several lenders to make sure you're getting the best price. You can also get a home loan through a mortgage broker. Brokers arrange transactions rather than lending money directly; in other words, they find a lender for you. A broker's access to several lenders can mean a wider selection of loan products and terms from which you can choose. Brokers will generally contact several lenders regarding your application, but they are not obligated to find the best deal for you unless they have contracted with you to act as your agent. Consequently, you should consider contacting more than one broker, just as you should with banks or thrift institutions. Whether you are dealing with a lender or a broker may not always be clear. Some financial institutions operate as both lenders and brokers. And most brokers' advertisements do not use the word "broker." Therefore, be sure to ask whether a broker is involved. This information is important because brokers are usually paid a fee for their services that may be separate from and in addition to the lender's origination or other fees. A broker's compensation may be in the form of "points" paid at closing or as an add-on to your interest rate , or both. You should ask each broker you work with how he or she will be compensated so that you can compare the different fees. Be prepared to negotiate with the brokers as well as the lenders. Obtain All Important Cost Information Be sure to get information about mortgages from several lenders or brokers. Know how much of a down payment you can afford, and find out all the costs involved in the loan. Knowing just the amount of the monthly payment or the interest rate is not enough. Ask for information about the same loan amount, loan term, and type of loan so that you can compare the information. The following information is important to get from each lender and broker: Rates Ask each lender and broker for a list of its current mortgage interest rates and whether the rates being quoted are the lowest for that day or week. Ask whether the rate is fixed or adjustable . Keep in mind that when interest rates for adjustable-rate loans go up, generally so does the monthly payment. If the rate quoted is for an adjustable-rate loan, ask how your rate and loan payment will vary, including whether your loan payment will be reduced when rates go down. Ask about the loan's annual percentage rate (APR). The APR takes into account not only the interest rate but also points, broker fees, and certain other credit charges that you may be required to pay, expressed as a yearly rate. Points Points are fees paid to the lender or broker for the loan and are often linked to the interest rate; usually the more points you pay, the lower the rate. Check your local newspaper for information about rates and points currently being offered. Ask for points to be quoted to you as a dollar amount—rather than just as the number of points—so that you will actually know how much you will have to pay. Fees A home loan often involves many fees, such as loan origination or underwriting fees , broker fees, and transaction , settlement, and closing costs . Every lender or broker should be able to give you an estimate of its fees. Many of these fees are negotiable. Some fees are paid when you apply for a loan (such as application and appraisal fees), and others are paid at closing. In some cases, you can borrow the money needed to pay these fees, but doing so will increase your loan amount and total costs. "No cost" loans are sometimes available, but they usually involve higher rates. Ask what each fee includes. Several items may be lumped into one fee. Ask for an explanation of any fee you do not understand. Some common fees associated with a home loan closing are listed on the Mortgage Shopping Worksheet in this brochure. Down Payments and Private Mortgage Insurance Some lenders require 20 percent of the home's purchase price as a down payment. However, many lenders now offer loans that require less than 20 percent down—sometimes as little as 5 percent on conventional loans . If a 20 percent down payment is not made, lenders usually require the home buyer to purchase private mortgage insurance (PMI) to protect the lender in case the home buyer fails to pay. When government-assisted programs such as FHA (Federal Housing Administration), VA (Veterans Administration), or Rural Development Services are available, the down payment requirements may be substantially smaller. Ask about the lender's requirements for a down payment, including what you need to do to verify that funds for your down payment are available. Ask your lender about special programs it may offer. If PMI is required for your loan, Ask what the total cost of the insurance will be. Ask how much your monthly payment will be when including the PMI premium. Ask how long you will be required to carry PMI. Obtain the Best Deal That You Can Once you know what each lender has to offer, negotiate for the best deal that you can. On any given day, lenders and brokers may offer different prices for the same loan terms to different consumers, even if those consumers have the same loan qualifications. The most likely reason for this difference in price is that loan officers and brokers are often allowed to keep some or all of this difference as extra compensation. Generally, the difference between the lowest available price for a loan product and any higher price that the borrower agrees to pay is an overage . When overages occur, they are built into the prices quoted to consumers. They can occur in both fixed and variable-rate loans and can be in the form of points, fees, or the interest rate. Whether quoted to you by a loan officer or a broker, the price of any loan may contain overages. Have the lender or broker write down all the costs associated with the loan. Then ask if the lender or broker will waive or reduce one or more of its fees or agree to a lower rate or fewer points. You'll want to make sure that the lender or broker is not agreeing to lower one fee while raising another or to lower the rate while raising points. There's no harm in asking lenders or brokers if they can give better terms than the original ones they quoted or than those you have found elsewhere. Once you are satisfied with the terms you have negotiated, you may want to obtain a written lock-in from the lender or broker. The lock-in should include the rate that you have agreed upon, the period the lock-in lasts, and the number of points to be paid. A fee may be charged for locking in the loan rate. This fee may be refundable at closing. Lock-ins can protect you from rate increases while your loan is being processed; if rates fall, however, you could end up with a less favorable rate. Should that happen, try to negotiate a compromise with the lender or broker. Remember: Shop, Compare, Negotiate When buying a home, remember to shop around, to compare costs and terms, and to negotiate for the best deal. Your local newspaper and the Internet are good places to start shopping for a loan. You can usually find information both on interest rates and on points for several lenders. Since rates and points can change daily, you'll want to check your newspaper often when shopping for a home loan. But the newspaper does not list the fees, so be sure to ask the lenders about them. The Mortgage Shopping Worksheet that follows may also help you. Take it with you when you speak to each lender or broker and write down the information you obtain. Don't be afraid to make lenders and brokers compete with each other for your business by letting them know that you are shopping for the best deal. Fair Lending Is Required by Law The Equal Credit Opportunity Act prohibits lenders from discriminating against credit applicants in any aspect of a credit transaction on the basis of race, color, religion, national origin, sex, marital status, age, whether all or part of the applicant's income comes from a public assistance program, or whether the applicant has in good faith exercised a right under the Consumer Credit Protection Act. The Fair Housing Act prohibits discrimination in residential real estate transactions on the basis of race, color, religion, sex, handicap, familial status, or national origin. Under these laws, a consumer cannot be refused a loan based on these characteristics nor be charged more for a loan or offered less favorable terms based on such characteristics. Credit Problems? Still Shop, Compare, and Negotiate Don't assume that minor credit problems or difficulties stemming from unique circumstances, such as illness or temporary loss of income, will limit your loan choices to only high-cost lenders. If your credit report contains negative information that is accurate, but there are good reasons for trusting you to repay a loan, be sure to explain your situation to the lender or broker. If your credit problems cannot be explained, you will probably have to pay more than borrowers who have good credit histories. But don't assume that the only way to get credit is to pay a high price. Ask how your past credit history affects the price of your loan and what you would need to do to get a better price. Take the time to shop around and negotiate the best deal that you can. Whether you have credit problems or not, it's a good idea to review your credit report for accuracy and completeness before you apply for a loan. To order a copy of your credit report, contact: Equifax: (800) 685-1111 TransUnion: (800) 916-8800 Experian: (888) EXPERIAN (397-3742) Glossary Adjustable-rate loans , also known as variable-rate loans, usually offer a lower initial interest rate than fixed-rate loans. The interest rate fluctuates over the life of the loan based on market conditions, but the loan agreement generally sets maximum and minimum rates. When interest rates rise, generally so do your loan payments; and when interest rates fall, your monthly payments may be lowered Annual percentage rate (APR) is the cost of credit expressed as a yearly rate. The APR includes the interest rate, points, broker fees, and certain other credit charges that the borrower is required to pay. Conventional loans are mortgage loans other than those insured or guaranteed by a government agency such as the FHA (Federal Housing Administration), the VA (Veterans Administration), or the Rural Development Services (formerly know as Farmers Home Administration, or FmHA). Escrow is the holding of money or documents by a neutral third party prior to closing. It can also be an account held by the lender (or servicer) into which a homeowner pays money for taxes and insurance. Fixed-rate loans generally have repayment terms of 15, 20, or 30 years. Both the interest rate and the monthly payments (for principal and interest) stay the same during the life of the loan. The interest rate is the cost of borrowing money expressed as a percentage rate. Interest rates can change because of market conditions. Loan origination fees are fees charged by the lender for processing the loan and are often expressed as a percentage of the loan amount. Lock-in refers to a written agreement guaranteeing a home buyer a specific interest rate on a home loan provided that the loan is closed within a certain period of time, such as 60 or 90 days. Often the agreement also specifies the number of points to be paid at closing. A mortgage is a document signed by a borrower when a home loan is made that gives the lender a right to take possession of the property if the borrower fails to pay off on the loan. Overages are the difference between the lowest available price and any higher price that the home buyer agrees to pay for the loan. Loan officers and brokers are often allowed to keep some or all of this difference as extra compensation. Points are fees paid to the lender for the loan. One point equals 1 percent of the loan amount. Points are usually paid in cash at closing. In some cases, the money needed to pay points can be borrowed, but doing so will increase the loan amount and the total costs. Private mortgage insurance (PMI) protects the lender against a loss if a borrower defaults on the loan. It is usually required for loans in which the down payment is less than 20 percent of the sales price or, in a refinancing, when the amount financed is greater than 80 percent of the appraised value. Thrift institution is a general term for savings banks and savings and loan associations. Transaction, settlement, or closing costs may include application fees; title examination, abstract of title, title insurance, and property survey fees; fees for preparing deeds, mortgages, and settlement documents; attorneys' fees; recording fees; and notary, appraisal, and credit report fees. Under the Real Estate Settlement Procedures Act, the borrower receives a good faith estimate of closing costs at the time of application or within three days of application. The good faith estimate lists each expected cost either as an amount or a range. This brochure was prepared by the following agencies: Department of Housing and Urban Development Department of Justice Department of the Treasury Federal Deposit Insurance Corporation Federal Housing Finance Board Federal Reserve Board Federal Trade Commission National Credit Union Administration Office of Federal Housing Enterprise Oversight Office of the Comptroller of the Currency Office of Thrift Supervision These agencies (except the Department of the Treasury) enforce compliance with laws that prohibit discrimination in lending. If you feel that you have been discriminated against in the home financing process, you may want to contact one of the agencies listed above about your rights under these laws. For more information on home lending issues , visit www.consumer.gov , write to the Consumer Information Center, Pueblo, CO 81009 or visit the Center's Web site . The following brochures are available from the center: A Consumer's Guide to Mortgage Lock-lns A Consumer's Guide to Mortgage Refinancing Buying Your Home: Settlement Costs and Helpful Information Consumer Handbook on Adjustable Rate Mortgages Guide to Single Family Home Mortgage Insurance Home Buyer's Vocabulary Home Mortgages: Understanding the Process and Your Rights to Fair Lending How to Buy a Home with a Low Down Payment How to Dispute Credit Report Errors The HUD Home Buying Guide When Your Home Is on the Line Mortgage Shopping Worksheet Lender 1 Lender 2 Name of Lender Name of Contact Date of Contact Mortgage Amount Basic Information on the Loans Mortgage 1 Mortgage 2 Mortgage 1 Mortgage 2 Type of Mortgage: Fixed rate, adjustable rate, conventional, FHA, other? If adjustable, see below. Minimum down payment required Loan term (length of loan) Contract interest rate Annual percentage rate (APR) Points (may be called loan discount points) Monthly Private Mortgage Insurance (PMI) premiums How long must you keep PMI? Estimated monthly escrow for taxes and hazard insurance Estimated monthly payment (Principal, Interest, Taxes, Insurance, PMI) Fees Different institutions may have different names for some fees and may charge different fees. We have listed some typical fees you may see on loan documents. Application fee or Loan processing fee Origination fee or Underwriting fee Lender fee or Funding fee Appraisal fee Attorney fees Document preparation and recording fees Broker fees (may be quoted as points, origination fees, or interest rate add-on) Credit report fee Other fees Other Costs at Closing/Settlement Title search/Title Insurance For lender For you Estimate prepaid amounts for interest, taxes, hazard insurance, payments to escrow State and local taxes, stamp taxes, transfer taxes Flood determination Prepaid Private Mortgage Insurance (PMI) Surveys and home inspections Total Fees and Other Closing/Settlement Cost Estimates Mortgage Shopping Worksheet - continued Lender 1 Lender 2 Name of Lender Other Questions and Considerations about the Loan Mortgage 1 Mortgage 2 Mortgage 1 Mortgage 2 Are any of the fees or costs waivable? Prepayment penalties Is there a prepayment penalty? If so, how much is it? How long does the penalty period last? (for example, 3 years? 5 years?) Are extra principal payments allowed? Lock-ins Is the lock-in agreement in writing? Is there a fee to lock-in? When does the lock-in occur -0 at application, approval or another time? How long will the lock-in last? If the rate drops before closing, can you lock-in at a lower rate? If the loan is an adjustable rate mortgage: What is the initial rate? What is the maximum the rate could be next year? What are the rate and payment caps each year and over the life of the loan? What is the frequency of rate change and of any changes to the monthly payment? What is the index that the lender will use? What margin will the lender add to the index? Credit life insurance Does the monthly amount quoted to you include a charge for credit life insurance? If so, does the lender required credit life insurance as a condition of the loan? How much does the credit life insurance cost? How much lower would your monthly payment be without the credit life insurance? If the lender does not require credit life insurance, and you still want to buy it, what rates can you get from other insurance providers? The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues , visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel , a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad. January 1999

Land Loan Up to

Members 1st Federal Credit Union - Home Equity Loan Rates Thursday, December 29, 2005 Home | About M1 | Contact Us Events | News | What's New Online Services Deposit Accounts Loans Rates Business Services Investing Membership Locations Loan Rates Deposit Account Rates VISA Credit Card Rates Disclosures Vehicle Loans Mortgages Home Equity Loans Student Loans Variable Rate Loans Luxury Loans Miscellaneous Loans Calculators Home Equity Loan Rates Printer Friendly Format Members 1st can help with quick, convenient, low-cost financingfor the purchase of new and used automobiles, passenger vans and pickup trucks. All rates are expressed as ANNUAL PERCENTAGE RATES. Rates are subject to change without notice. Loan rates as low as those listed beloware effective Thursday, December 29, 2005 Home Equity Loan Up to 80% Equity * Term Loan Amount = $60,000 APR Loan Amount 12 Months 4.74 5.24 24 Months 4.99 5.49 36 Months 4.99 5.49 48 Months 5.74 5.99 60 Months 5.74 5.99 84 Months 6.14 6.24 120 Months 6.14 6.24 180 Months 6.49 6.74 Payment Buster 6.64 6.74 Home Equity Loan Up to 100% Equity * Term APR 12 Months 5.99 24 Months 6.24 36 Months 6.24 48 Months 6.74 60 Months 6.74 84 Months 6.99 120 Months 6.99 Land Loan Up to 80% Equity Term Loan Amount = $60,000 APR Loan Amount 12 Months 4.74 5.24 24 Months 4.99 5.49 36 Months 4.99 5.49 48 Months 5.74 5.99 60 Months 5.74 5.99 84 Months 6.14 6.24 120 Months 6.14 6.24 144 Months 6.49 6.74 Land Loan Up to 90% Equity Term APR 12 Months 5.74 24 Months 5.99 36 Months 5.99 48 Months 6.49 60 Months 6.49 84 Months 6.74 120 Months 6.74 * Home Equity Loan rates are for primary residences only (consult your loanofficer for rental property rates). Your rate my vary from what is listed and will be determined by your individual credit profile and Loan to Value. All rates reflect a .20% reduction for Payroll Deduction /Direct Deposit / Auto Transfer. Savings insured by the National Credit Union Administration Equal Housing Lender Equal Opportunity Lender Fraud & Security Center ©2004 Members 1st Federal Credit Union Mechanicsburg, Pennsylvania Internet Terms of Usage Privacy Statement

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