Santa Barbara Bank & Trust - Personal Solutions

Loan Links Ready Money^sm Lines of Credit

Ready Money^SM Lines of Credit & Overdraft Protection

Ready Equity^SM Home Equity Lines of Credit

Ready Equity^SM Home Equity Loans

Executive Line of Credit

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Call 1-888-400-SBBT

Visit Your Local Banking Office

Give yourself the freedom to write yourself a loan when and where you need it.

Since it is linked to your checking account, Ready Money and Ready Money Gold are personal lines of credit that provide you with overdraft protection so you will always have extra money to take advantage of opportunities or deal with unexpected expenses.

You can access your available credit 24 hours a day through phone, AllTime Banker^SM ATM's and online banking in addition to visiting any Santa Barbara Bank & Trust office.

Ready Money*

Overdraft lines of credit available from $1000 to $10,000
Pricing: 17.50% Annual Percentage Rate
No Annual Fee
$10 Per Transaction Advance
Minimum Monthly Payment Amount: 4% of the outstanding balance or $20 whichever is greater

Ready Money Gold*

Overdraft lines of credit available from $10,000 to $50,000
Pricing: Wall Street Journal Prime index plus 3.49%. For example, based on a Prime Rate of 7.50% plus 3.49%, the $50 application fee and a $10,000 outstanding balance, the Annual Percentage Rate, or the cost of credit as a yearly rate, is 10.99% APR
$50 application fee and $50 annual fee after first year
No Advance Fee
Minimum Monthly Payment Amount: 2.5% of the outstanding balance or $100 whichever is greater

Disclosures

* The above information is based on an effective date of 01/31/2006; the Annual Percentage Rates may vary. For current and complete information, please obtain a copy of the Santa Barbara Bank & Trust Ready Money Customer Agreement and Disclosure Statement and the Ready Money Gold Customer Agreement and Disclosure Statement.

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Santa Barbara Bank & Trust, First National Bank of Central California, South Valley National Bank, San Benito Bank, and First Bank of San Luis Obispo are divisions of Pacific Capital Bank, N.A., member FDIC.

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