1. Schoofs Can Help Make It llap
With an Equity 80 Loan.
Are you planning for home improvements this summer? Then take advantage ofyour
preapproved Schools Equity a0 Loan and turn your plans into resultsl
with your preapproved Schools Equity 80 Loan, you can turn your home into the dream
house you've alwayr wanted. Consid€r using your equity loan to start on that kitchen
remodelyou've been waiting {or orto cool off on those hot summer dayswith a
sparklinq ba(kyard pool.
Your Equity 80 Loan features a low. fixed rate and a monthly paymentthat never(hanges.
so budgeting is easyl Plut the interest you pay may be tax dedudible. Check with yourtax
advisor regarding the dedudibility of interest.
Get a 1100 Home Depotr* Gift certificate with your s<hools Equity 80 toanll
School, can help you jump rtart your home improvements with the $100 Home Depot
gift (ertifi.ate you'll receive with your Schook Equity 80 Loan.
Don t missyour.hance build your dream house! To take advantage ofthis special
preapproved offer, .omplete the reverse side of this letter and return it in the en(losed
postage-paid envelope.
Hurry! This preapproved offer expires on June 15, 2OO2.
Pleose ftdd dis.ldsure ihfotnorian an ftvets. std.

2. i The Home Depot offer expires on June 15, 2002, and ir extended on y to equity loan5 ove. $20,000 and eq!ity lines of credit with an initial
$20.000 draw. Completed loan applications must be received by lune 15, 2002, and funded by luly 31, 2002, and mu5t remain open for a
minimum ofsix months. Ask a realestate loan counselorfor more detai15.
Preapproved amount is.ontingent upon collateralvalue established by a statlstical analysis obtained by Schoo s or, if not available, by any
other method deemed appropriate by schoolsto establish the value of your home. Maximum combined liens, in<luding this offer cannot
ex.eed 10oo/o of the value of your home. Offer may not be valid if you have an existing home equity produ<t se<ured by the s!bje<t property
or ifthere is construction on the property atthe time this offer is accepted. Maximum prequalified loan amount is stated on the preapproved
letter. Higher loan amounts may be availab e. Secured property must be owner-occupied and within the state ofCa ifornia. Title and Es(ow
fees tor HELOC Loans, Equity Loans, or EquityPlus Loans in Iirst lien position are not induded in this offer. lfyou prepayyour loan in JulL
wlthin the firstthree yeaf af(er obtaining your loan, an "Early Closure fee" willapply. The E.rly Closurefe€ will be equalto 1250, orthe
maximum amount permitted by law, whichever is les.
You authorize the Credit Union to gather credit and employment information we conslder nece$ary and appropriate. You althorize us to
give information concerning our experience with you to others.lnformation contained in your<reditfile was used in conne<tion with this
Representative Payment Example: A J20.000 Equity 80 Loan for 180 months at 6,99% APR (Annual Percentage Rate) wo!ld req!ire 179
pavments of J179.75 and a final payment of $177.24.
Based upon information obtained through a credit reporting agenc, you satisfied oiteria for creditworthiness used forthis offe. Where
appli(able, the.redit beins extended may be reconsidered ifyou no lonser meetthe specific criteria. lfyou wish to be excllded from future
offerr <ontact "Experian" at a88-567-a688. You <an also (onta<t Experian by mailing to: Experian Credlt Marketing, Opt Out, P.O. Box 919,
Allen, TX 75013.
Products. rates, servi(es, and terms are subjectto <hange without noti<e. The rate received wil be the curent rate at thetimethe loan i5
funded. See Schools Loan Policy sheet or contact our Cal Center at 916-569-5400 (sacramento area) or 800-962-0990 (outlying areas within
califorria) forthe mon recent information.
THIS OFFER GUARANTEES PREAPPROVED FINANCING UPTOTHE AMOUNT SPECIFIED ON THE LETTER ANO 15 SUBJECTTOTHE fOLLOWNG
TERMS AND CONDITIONSI
1. Preapproved offer is nonnegotiable, nontransferable, and may be used only by the individual llsted on the certifi<ate.
2. The individual listed on the certifi(ate must sign a I necessary and appropriate do<umentation required by the Credit Union.
3. Your actual rate may vary based on your (edit history, amount financed, and terms and <onditions.
4. Thir offer is limlted to one per houiehold and may not be used in conjunction with another offer
5. Loans are subiect to credit union poli<ies and procedures,
6. Notvalid for members who have taken advantage oftheir preapproved loan status prior to thit offe.
Thir notice is in conjunction with your a(ceptance ofthis offer for a loan secured by realproperty on whkh an appraisalwillbe obtained.lt is
the standard processing practi(e ofSchooh to obtain an appraisa by statisti(alanalysis or an exterlor inspection ofthe property. On occasion,
an interior inspection may be required.lf you request a fullappraisal, you wil berequiredtopaythefullcost.YOUHAVETHERlGHTTOA
COPY OF THE APPRAISAL REPORT USED IN CONNECTION WITH YOUR CREDIT UN ON APPLICATION, IF YOU WISH TO HAVE A COPY CALL U5
AT 916-569-5400 (SACRAMENTO AREA) OR A00.962.0990 (OUTLYING AREASWTHIN CALIFORNIA). WE MU5T HEAR FROM YOU NO LATER
THAN 90 DAYS AFTER WE NOTIFY YOU ABOUTTHE ACIION TAKEN ON YOUR APPLICATION, OR YOU FORFE]TYOUR RIGHTTO YOUR
Equity Prcducts in Firit Lien Position
lfyour equity produ<t is recording in first lien position, title, es<row. and notary fees will be deducted from your loan proceeds. Title fees
range up to $900; es(row fees are J300; and notary fees are $s0.
oryl ZIP:
I liy! a( fiii proFq: I Y!5 tr [o Ho* torgi]
llumhe' ollqurc f!!l: lunhr of Bedreomi:
IN ORDERTO PROCESS YOUR PREAPPROVED ACCEPTANCE.YOU WII
NEED TO PROVIDE US WTH THE FOLLOWNG DOCUMENTATION:
. A COPY olyour cutrent liB! mor!8n3e sqtement,note,lnd recorded Bnn!deed.
( ndudins le8al de(ript on).
. lappl.rb e. a COPY ofyour.urent se.ond morrgage ratefreit.
. A COPY of/our E.€nr SMUD PG&E or telephone bil
h e:$
i{(oid [ortga$ t.idd,ll t:
Thi3ofier is 3ubiectto th€ <onditions and disclo3ur$ listed
withintH3lattei
PREAPPROYED EQUITY PRODUCT ACCEPTANCE FORM
IYESI lecept this offer up to the max mum amount avaiable to me.
trYES! lwoud like someone io .all me about other Schook Equity produ.c.
trYESl lwant6 ob6n a hisher loan/lne amountthan is *a!€d on m/
Preapprcved Leter
IT{FORMATION ABOI,T YOUR PRIMARY RESIDENCE:
HOW IO REACH YOU: