With a Ready Equity^SM Home Equity Loan, you will always have ready cash for home improvements, debt consolidation, or any special plans or purchases you may want to make at a moment's notice. You can also use your home's equity as a cash management tool and the interest may be tax deductible.*

Ready Equity Offers You:

• Loans up to $1,000,000
• Fixed rates
• No points, no closing costs for loans up to $250,000

Information You'll Need to Apply:
Prior to filling out the application, you probably want to have some personal information handy:

• Social Security Number, or tax ID
• Monthly Income
• Outstanding loans and credit cards, including balances and monthly payments
• Home Owners Insurance Information
• Income verification may be necessary

Loans are available to residents of the Bank's primary market area, which includes Santa Barbara, Ventura, Monterey, Santa Cruz, San Benito, San Luis Obispo and Santa Clara Counties.

Married persons may apply for individual credit.

If you are applying with more than one co-applicant, please call: 1-866-733-2756

Confidential, no obligation.

Disclosures:

Annual Percentage Rates (APR) effective 7/7/08. Rates may vary. Minimum loan amount is $10,000, maximum is $1,000,000. Loan amount offered is dependent upon certain factors such as FICO credit score, occupancy status, debt-to-income ratio, and combined loan-to-value (CLTV) ratio. Maximum CLTV ratios range from 60%–80% for owner-occupied properties and from 65%-75% for non-owner occupied properties. No points, no closing costs on amounts to $250,000. On amounts over $250,000, there is a $60 documentation fee plus, title, flood and appraisal fees. Rate assumes automatic payment from an account with us. Other options may be available with different terms. Subject to approval and verification of equity and title report. Property insurance and flood insurance (if applicable) are required. See your tax advisor for tax deductibility. Offer expires 8/5/08.