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¹Annual Percentage Rate (APR).  Loans and origination services are provided by First Choice Loan Services, Inc.  APR quoted is effective as of , and is subject to change at any time without prior notice. Your APR may vary based on your occupancy, property type, property State, equity, loan amount, or credit score. Not all customers will qualify for this APR. The APR for a Home Equity Line of Credit (HELOC) is based on the interest rate alone and will not reflect any closing costs and other fees and charges. The APR is based upon the Wall Street Journal Prime Rate of % as of , plus or minus a margin. APR will vary with the Prime Rate on no more than a monthly basis, but the margin added to the Prime Rate will not change over the term of the line and the APR will not exceed 18% in all States except NC, which is 16%. APR's include a discount of 0.25% for drawing or transferring a balance of $25,000 or more at closing. APR's will be higher if discount is not selected. Home Equity Lines of Credit have a $49.00 annual fee. The Borrower must carry property insurance (and may be required to carry flood insurance) on the property that secures the Home Equity Line of Credit. Minimum Home Equity Line amount required is $25,000. Program is not available in the following States: AK, HI, IA, MI, OH, TX and WV.  Program may change at any time without notice. The Program has two options to fully or partially offset closing costs for qualified borrowers: the No Closing Cost Option² and the HELOC Closing Cost Credit Option³. Borrowers who close their account and pay off their outstanding balance in full within 36 months of the date upon which their HELOC is opened will be required to pay an early closure fee of the greater of $1,000, all lender paid closing costs, or the maximum allowed under borrower’s State law. Closing costs typically range between $1,000 and $2,000 unless in NY, MD or VA. Some NY, MD or VA borrowers may be responsible for additional costs which commonly include tax assessments estimated to range between $750 - $5,000. Any additional costs may be advanced from the line of credit at closing, subject to terms of the credit agreement and property approval.

²No Closing Cost Option: First Choice will provide a credit for closing costs for a Home Equity Line of Credit when the qualified borrower selects the No Closing Cost Option. The following closing costs, if applicable, are covered by this feature: appraisal, credit report, appraisal review, tax service, flood certificate, MERS, title search, title insurance, document preparation, closing fee, recording fee or courier fee. The maximum Home Equity line amount to qualify for the No Closing Cost Option is $200,000 for first liens and $100,000 for second liens. Borrowers must draw or transfer a balance of $25,000 or more at closing for the No Closing Cost Option to apply. The No Closing Cost Option is not available for purchase transactions. The maximum combined-loan-to-value ratio to qualify for the No Closing Cost Option is 70%. First Choice will provide the appraisal company, title company, and any other third parties needed to close the loan. All other terms and conditions for First Choice Home Equity Lines of Credit apply. Option may change at any time without notice. The No Closing Cost Option may not be used with any other First Choice closing cost credit or promotion and is only available in the following States: AL, CO, KS, ME, MD, MN, NJ, NM, NC, PA, SC, VA, VT, WA, WI and WY.

³HELOC Closing Cost Credit Option: For qualified borrowers who do not select or do not qualify for the No Closing Cost Option², First Choice will provide a credit up to $1,000 (up to $2,500 in NY) at closing to offset closing costs for a Home Equity Line of Credit. An appraisal fee and credit report fee with total costs that range between $400 - $500 will be collected at time of application. The appraisal fee and credit report fee are non-refundable if a borrower does not close their Home Equity Line of Credit with First Choice. All other terms and conditions for First Choice Home Equity Lines of Credit apply. Option may change at any time without notice. The HELOC Closing Cost Credit Option may not be used with any other First Choice closing cost credit or promotion.