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Dear [Fname], From credit cards to personal loans, home equity lines to cash-out refinances, you have an abundance of options when it comes to getting and using credit. Learn the pros, cons and best uses to help you pick the right credit option every time. Plus, visit our newest online resource, CreditDemystified.com — a source for answers to your credit and borrowing questions. And remember, as a Countrywide© customer, you may have a variety of financial solutions available. Call your Personal Loan Consultant today at 1-800-000-0000. 1-800-000-0000 1-800-000-0000 1-800-000-0000

Whether your credit is perfect or not so great, you have credit options. We’ll share no-nonsense advice to help you learn about the different types of credit so you can find the one that works best for you and your lifestyle. Understanding Credit Cards Using a credit card is simple — just swipe the card and sign. But beware: As easy as credit cards are to use, they’re even easier to abuse. When you make purchases with credit cards, you are paying with borrowed money and will eventually have to pay the amount back plus interest and other fees (if you don’t pay the balance off in full each month). It’s best to avoid using credit cards to pay for quick consumables, such as meals or gas, unless you can realistically pay off the entire credit card balance every month. Visit Understanding Credit Cards for more tips. Examining Personal Loans Another borrowing alternative is a personal loan. This is a one-time loan with a fixed repayment schedule that can be used any time, for anything. In most cases, borrowers who take out a personal loan incur higher interest rates because they are “unsecured,” meaning there is no collateral to help ensure you repay the debt. However, personal loans may be a good alternative to using credit cards or if you don’t have available home equity. Click here to learn more. Making the Most of Mortgages Borrowing money from a lender is a normal part of the home-buying process. The first loan taken out on a property is the first mortgage. The second mortgage, also known as a home equity loan, allows homeowners to get cash from the available equity in their homes. Equity is the difference between the home’s market value and the first mortgage balance. There are also cash-out refinancing home loans, which give homeowners cash at a low rate. For some consumers, home equity and cash-out refinancing loans may be a better way to borrow because the interest rate is usually lower than credit cards and, in most cases, the interest is tax deductible.* Click here for more information. Finding Your Best Borrowing Option When it comes to finding the best form of borrowing for you, it’s important to weigh all of your options. But first, it’s essential to get the facts. Go to the Credit Learning Center to learn more about credit. And remember to call your Personal Loan Consultant at 1-800-000-0000 to learn more about home loan credit solutions that may be available to you. Call 1-800-000-0000 Call 1-800-000-0000

* Consult your tax advisor regarding deductibility of interest. † Refinancing or taking out a home equity loan or line of credit may increase the total number of monthly payments and the total amount paid when compared to your current situation. Equal Housing Lender. © 2007 Countrywide Home Loans, Inc., 4500 Park Granada, Calabasas, CA 91302. Trade/service marks are the property of Countrywide Corporation and/or its subsidiaries. Full Spectrum Lending is a division of Countrywide Home Loans, Inc. State Licensing Information Full Spectrum’s Privacy and Security Statement If you have comments, questions or feedback, you may write us at the following address: 31303 Agoura Road, MS WLAR-17M, Westlake Village, CA 91361. If you no longer wish to receive these communications, please unsubscribe by clicking here. You are subscribed as .