1 This refinance loan is based on owner occupied single-family homes only. Maximum loan-to-value (LTV) ratio is 80%. Mortgage insurance may be required on the loan if LTV higher than 80% and could increase the monthly payment and the APR. Loan amounts $125,000 - $417,000. Subject to credit qualifications and underwriting requirements. Adequate property insurance (which may include flood insurance) is required. Borrower responsible for insurance requirements and applicable state, county, city taxes which can be substantial. Rates and Terms effective 2/5/2012 and subject to change. Other restrictions may apply. Actual rate will be determined after receipt of completed application and prior to execution of loan documents. Rate lock may not be available until final loan approval; fee may apply.

2 No Closing Cost loans are subject to terms and conditions of Fremont Bank’s Application Fee Agreement, which lists the specific costs and fees the borrower will not pay. An application fee may be required after a loan application is submitted, which will be refunded (credited) at closing. Borrower is responsible for paying all fees and charges imposed by brokers or an existing third party lender (for example, payoff demand statement fee and/or a reconveyance fee) as well as any prepayment penalty imposed by any third party lender or Fremont Bank. Loans with lower nominal interest rates may be available to borrower willing to pay points and fees.

3 Refinancing to lower your monthly payment may extend the number of monthly payments and/or the total amount paid when compared to your current situation. Other loan programs are also available. Refers to program A25.