Cal National Bank

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^*Annual Percentage Rate (APR) is a variable rate based on the Prime Rate published in the Wall Street Journal-Western Edition plus or minus a margin. APR is subject to change monthly. As of 4/30/08, Prime Rate is 5.00%. California National Bank rates range from Prime minus 0.50% to Prime plus 0.50%, resulting in corresponding variable APRs currently ranging from 4.50% to 5.50%. Your APR will be based on the specific characteristics of your credit transaction, including evaluation of credit history, combined loan to value and line amount. The maximum APR is 18% and the minimum APR is 3.00%. The minimum line amount is $5,000. A minimum draw of $10,000 within 90 days of establishing the account and a Home Equity Card is required to collect BankRewards bonus points. No closing costs on lines under $500,000 or when at least 20% of the line is drawn at closing for lines $500,000 or more; line amounts $500,000 or more with less than 20% drawn at closing will incur closing cost fees ranging from $350 to $2,000. An early termination fee of $495 is assessed if the line is paid off and closed within 24 months of loan date. Subject to credit approval and property valuation. Program terms and conditions are subject to change at any time without notice. Property insurance is required and flood insurance may be required. The APR applies to owner occupied 1-4 family residential or condominium properties and must be secured by first or second deed of trust.

^** No ATM fees for Free Checking; No ATM fees and reimbursement for other banks' fees for Value and Market Rate Checking. International Service Assessment fees may apply for international transactions.