Home Equity Loan Rates and Line of Credit Rates

FLEXIBLE HOME EQUITY LINES OF CREDIT

• Lock-in a low initial fixed rate for the first 6 months, 3, 5 or 7 years – YOU CHOOSE
• Receive a variable regular plan rate as low as Prime when your initial fixed period is over
• Maximum Loan Amount $500,000

Fixed Rate Introductory Period	1st Position Introductory APR as low as:	2nd Position Introductory APR as low as:	THEN:Prime + 0% with a floor of:	Points and Fees1	Applying is Easy	Still Have Questions?
6 Months	3.49%	3.49%	3.99% APR	0
3 Years	3.74%	3.99%	3.99% APR	0
5 Years	4.25%	4.50%	3.99% APR	0
7 Years	5.50%	5.75%	3.99% APR	0

FINISH LINE LOAN

• Own your home in as few as 3-15 years
• Lock-in a low fixed rate
• Maximum Loan Amount $500,000

Terms	1st Position APR as low as:	2nd Position APR as low as:	Points and Fees1	Applying is Easy	Still Have Questions?
10 Years	2.99%	4.625%	0
15 Years	2.99%	4.99%	0

FIXED HOME EQUITY LOAN

• Lock-in a low fixed rate
• Maximum Loan Amount $500,000

Terms	1st Position APR as low as:	2nd Position APR as low as:	Points and Fees1	Applying is Easy	Still Have Questions?
20 - 30 Years	4.24%	5.49%	0

Still have questions?

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General Home Equity Loan and Line Disclosures

1. "No fee" offer valid only on new loans; not valid on refinances of existing KeyPoint debt. For a limited time, pay no fees to establish a Home Equity Loan or Line up to $500,000. However, if you pay off the loan within 36 months, you will pay a $350 early closing fee on loan amounts up to $250,000 or $1,000 if the loan amount is over $250,000. No annual fee.
2. Equity loans and lines available on owner-occupied single-family California residences, townhome, condo and 2 unit property loans available on different terms.
3. Credit Union Membership is required.
   All APRs quoted are accurate 02/01/13 and subject to change without notice, are best available rates and require (a) $20,000 loan or advance at closing; (b) 75% or better loan to value (LTV) ratio, and (c) automatic loan payments. Other rate discounts not available. All loans subject to credit approval. Loan and Line of Credit APR may be higher depending on LTV ratio, credit profile, payment method and other factors we may lawfully consider and will be disclosed in writing before you become obligated. Loans and Lines are available with higher LTV ratios at higher APR's. Ask for details.
4. Six-month introductory rate not available on purchase money equity line.

*Additional Home Equity Loan Disclosures

1. 20-Year term is available on loan amounts of $50,000 or more. 30-Year term is available on loan amounts of $150,000 or more.
2. Payment Example: 360 monthly payments of $4.92 per $1,000 borrowed at 4.24% APR.