Build your home with a construction loan from Fulton Mortgage Company. After construction the loan will automatically convert into a fixed-rate loan.This collateral agreement template is what you need to secure an item of value as collateral for monetary debt. If you do not want to participate in any Overdraft Elect Plan please fill out the form on our Overdraft Services page, call us at 1.800. Determining, at least quarterly, that all posted collateral, if required, has a net market value of at least the collateral in the Interest Rate Agreement. 75 South First Street.