EFFECTIVE DATE: July 29, 2010
| Variable** Home Equity Line of Credit (HELOC) | |
| 4.25% | Up to 80% Loan to Value |
| Minimum Line $5,000 |
*APR = Annual Percentage Rate.
**Variable rates may increase or decrease during the term of the agreement. Property hazard insurance is required. APR rate cap is 16%.
All loans are subject to creditworthiness.
Home Equity Line of Credit only available for owner occupied properties located in California.
All Rates and Terms are subject to change without notice.
