Product Description Interest Rate APR Overdraft LOC 18.00 18.000 Rates/APRs shown above are effective as of Tuesday, January 31, 2012 at 20:01 PM CST. - Credit subject to approval. - Interest rates shown assume excellent credit history.

Product Description Interest Rate APR Home Equity LOC Call for rates Call for rates Your rate at loan approval may be different based on underwriting considerations and your individual financing request. Maximum Loan-to-Value on Home Equity lines can be as high as 75% of the equity in your home. No closing cost program - H&R Block Bank will pay customary bank closing costs; you are responsible for paying any local or state taxes. The property securing your line of credit must be your primary residence. H&R Block Bank must have an acceptable lien position behind no more than an existing first mortgage that is not an open line of credit. The minimum credit line is $15,000. The actual amount of the credit line will be determined based upon the amount of equity that you have available in your home and your demonstrated ability to repay the line of credit. Nothing herein is or should be interpreted as an obligation to lend. Loans are subject to credit and property approval. Some restrictions may apply. Rates/APRs are effective as of Tuesday, January 31, 2012 at 20:01 PM CST and are subject to change without notice. The annual percentage rate (APR) on your line of credit is variable based upon an index. This index is tied to The Wall Street Journal prime rate. The Wall Street Journal prime rate is the highest "prime rate" published in the Money Rates section of the Wall Street Journal. Your actual rate can be the index plus (+) or minus (-) a margin based upon transaction and credit characteristics. Your APR may change as often as the prime rate changes. As of September 20, 2007, the APR for a $100,000 line of credit to a borrower with excellent credit and a combined loan-to-value (CLTV) ratio of no more than 97.5 percent is 7.75 percent (WSJ Prime 7.75 percent - 0.50 percent). An initial minimum advance of at least $15,000 for the first three months of the account is required. The rate on the plan will not exceed 18 percent APR. Property hazard insurance is required, and if applicable, flood insurance will be required. An appraisal may be required. If line is closed within the first two years, a $350 closing fee will be assessed. With a variable rate based on the Prime Rate, interest accrues only on the amount you actually use. During the draw period (10 years), your minimum monthly payment consists of the accrued interest on the outstanding balance, but does not reduce your outstanding principal balance on this option.

Product Description Interest Rate APR 3/1 ARM Mortgage Call for Rates Call for Rates 5/1 ARM Mortgage Call for Rates Call for Rates 7/1 ARM Mortgage Call for Rates Call for Rates 10/1 ARM Mortgage Call for rates Call for rates 30 Year Fixed Rate Mortgage Call for Rates Call for Rates 15 Year Fixed Rate Mortgage Call for Rates Call for Rates Home Equity Fixed Rate Second Mortgage Call for Rates Call for Rates The rates shown above are effective as of Tuesday, January 31, 2012 at 20:01 PM CST and assume the following: - The APR is based on a representative loan amount and includes points and prepaid interest. All rates/APRs are based on an 80% Loan-to-Value. - Rates and terms are subject to change without notice and assume excellent credit history in good standing. Mortgage rates may change on a daily basis and have the ability to change within the day depending on market conditions. - All applications are subject to credit and property approval. Hazard insurance will be required; flood insurance, where applicable, will be required. - Maximum loan limits and minimum equity/down payment requirements apply. - Rates/APRs assume no other loans or liens; lock period based on current market conditions; and, taxes and insurance will be escrowed. Applicant must be a U.S. Citizen. - Additional fees and closing costs apply. Requests with less than 20% down may require private mortgage insurance which will increase the monthly payment and APR. Adjustable Rate Mortgage (ARM) products have a variable-rate feature and rates are subject to change after the loan is closed. Your rate at loan approval may be different than rates quoted above based on underwriting considerations and your individual financing request. Additional rates and programs are available. Call 1-888-OUR-HRBB for more information on additional programs and rates.