Fast Facts about the Home Ownership Accelerator®

---

	Description	Advantage
Loan Type	First-position home equity line of credit	Full-service checking account embedded inside the loan allows all available cash to flow against the balance until needed for investments or expenses.
Deposit and withdrawals	Unlimited. Deposit or withdraw as much and as often as you need using free online bill-pay, ATM/debit Card, electronic fund transfers, checks	With the Accelerator, your deposits go against principal first, unlike traditional home loans. All deposits are credited against your loan balance within one business day.
Interest Rate	Adjustable Rate Loan based on 1-month LIBOR index	According to independent studies, LIBOR is a consumer-friendly index, second only to COFI for long-term stability.  See white paper on adjustable rate mortgages in our News and Views section.
Margins available	Available margins are 2.85%. 3.15%, and 3.35% above 1-month LIBOR. Ask your certified agent about margin pricing.	A lower margin reduces long-term interest costs and accelerates loan payoff and equity build-up. Your agent will present the costs involved for each margin and run a break-even analysis to see which margin works best for you.
Lifetime rate cap	6% over initial interest rate (index + margin)	We do not expect rates to rise dramatically in the near future, but to protect people concerned with rising rates, the Accelerator offers long-term protection with our +6% lifetime rate cap (your loan rate never exceeds the cap).
Minimum credit line	$100,000
Maximum credit line	$2.5 million
Maximum loan-to-value	75% of appraised value
Minimum credit score required	700 (720 in CA, AZ, NV)
States currently available	CA, AZ, NV, UT, OR, CO, WA, MN	Look for new states in late Spring 2010!
Statements	Online banking, and monthly paper statements detail available balance, withdrawals and deposits	You have all the information you need to track balance reduction, interest charges and other expenses, just as with your current checking account. You will also receive a standard tax form 1098 for all the interest paid on the loan each year.