APR=Annual Percentage Rate. 1The APR is based on the value of an index. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. All loans are subject to propery valuation, owner-occupied properties limited to one-to-four units located in the state of California. Excludes manufactured and mobile homes. Other restrictions on property may apply. Loans secured by your home other than your first mortgage must be paid at time of account funding. Rates, APR and terms and conditions subject to change without notice. Property insurance is required. Flood insurance may be required. 2The 6.49% and other terms shown are accurate as of November 7, 2022. The fixed Annual Percentage Rate (APR) of 6.49% is available for 4-year term, home equity installment loans with loan-to-value (LTV) of 80% or less. The maximum CLTV is based on loan amount and credit quality. Loan payment example: A $10,000 loan for 48 months at 6.49% APR would have monthly payments of $237.10. Borrower fee reimbursement: up to $750 fee reimbursement paid by the borrower if equity loan or line of credit is paid off or closed within the first 36 months. 3Consult your tax advisor.