EQUITY LINE PRIME ADVANTAGE (Adjustable Open-End) Combined Loan to Value   APR* as low as CLTV up to 75%   4.99% Owner occupied homes – maximum loan amount $250,000 1-2 units.

FIXED HOME EQUITY RATES (closed-end):     Max CLTV Rate APR 15 year fixed rate - Owner occupied property 75% 7.375% 7.45% 20 year fixed rate - Owner occupied property Loans of $50,000 or more 75% 7.75% 7.803% 15 Year fixed - Non-owner occupied property 65% 9.00% 9.078% Maximum loan amount $250,000 1-4 units. Loan amounts to $100,000 - application fee $300.00 - Loan amounts $100,001 application fee $699 * APR = Annual Percentage Rate. Fully Indexed rate is variable, based on prime and a margin, with a maximum variable rate of 8 percent over the initial start rate and a minimum floor rate of 4.99%. Rate includes a .25% discount for automatic payment transfer from an FPCU checking account. Accounts closed within 36 months will incur a $500 cost recoupment fee. Rates quoted as of 08.14.09 and subject to change without notice. Loans made subject to credit approval. Other conditions, fees, and restrictions may apply. This offer is not valid on existing Financial Partners Home Equity Loans.

Home Equity Programs are available in California only. For additional interest rate quotes and/or feature-based pricing adjustments e-mail or call us at 800.950.7328.