1APR = Annual Percentage Rate. Rate reflects 1/4% discount for automatic payments from your MHV savings or checking account. Offer applies to qualifying new purchases or refinances from another financial institution. Rate may vary based on credit qualifications. See branch or call for details. Offer valid until May 30, 2010, and subject to change or termination at any time at the discretion of MHV.2 The index rate is variable and will adjust quarterly (January, April, July, October) on the first of the month using the Prime Rate as published in the Money section of the Wall Street Journal on the first business day of the preceding month. Once your draw request is disbursed, we will use the current Prime + 1 % Margin for the purpose of assessing and tracking accruing interest. While the margin will never change on your line of credit, the Prime index is a variable rate that can fluctuate through the life of the loan. Please note that your interest rate, and any subsequent rate change, applies to the entire balance on your line of credit. Rate listed is as of April 1, 2010. MHV reserves the right to change rates for new applications at any time and without notice.3 $300 will be refunded at closing for new purchases or refinances from another institution only. Mortgage amount must be greater than or equal to $100,000 to qualify. Offer valid for applications received between April 1 and June 30, 2010.