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| ◊ $0-closing-cost option not available with lowest rate and requires a minimum loan amount of $80,000 with a $25,000 minimum draw size for a Home Equity Line of Credit and minimum loan amount of $50,000 for a Home Equity Loan. |
| * Annual percentage rate effective as of 2/19/2008 and subject to change at any time. APR is based on a good credit history, $200,000 loan amount, 80% combined loan-to-value ratio, and a 30 year fixed-rate first-lien mortgage. Monthly payment for this example is $1,170. Additional terms and restrictions apply. |
| ** 10-day claim calculated from receipt of completed application and all required supporting documentation. |
| † Lower average monthly payment claim based on first month's payment on non-purchase loans, exclusive of closing costs, that closed between 07/01/2007 and 12/31/2007. Actual savings vary. In some cases, refinancing to pay off existing debt may extend the term of the debt, possibly resulting in higher overall costs. |
| ‡ Rate locks vary by product selected and are obtainable after underwriting and approval of the loan. |
