Need A Loan? 
Ask Your Home! 

| Home Equity Loans |
| Home Equity Lines Of Credit |

• Low Rates
• Great Terms
• Low Monthly Payments
• Receive a Lowe's^®Gift Card at Loan Closing!^†   

Home Equity Loans or Lines of Credit put the equity in your home to work for you! Use your equity for home improvements, a vehicle purchase, to pay off higher interest rate debt, college expenses or a special vacation you've been dreaming about.

Home Equity Loan & Line Of Credit Benefits:
• Finance Up To 100% Of Your Home's Equity
• Borrow Up To $150,000
• No Application Fees
• No Closing Costs
• Interest Is Usually Tax-Deductible (Ask Your
  Tax Advisor For Details)
• No Annual Fee On Line Of Credit

Home Equity Line Of Credit -
Special Introductory Rate Of 4.99% APR!*
For ongoing expenses, this variable rate loan is an excellent choice - you can draw against your Line of Credit, pay it down, then draw on it again and again. You will only pay finance charges on the outstanding balance. It's perfect for big projects and expenses. You also get a MasterCard^® Debit Card that's linked to your account - it makes accessing your funds even easier.**

Fixed Rate Home Equity Loan – Another Great Option!
If you need a specific amount for a one-time expense such as adding a room, this is the way to go - you will enjoy a fixed rate as low as 5.00% APR*, a fixed term and a fixed payment. There are NO surprises!

Receive A Lowe's^® Gift Card Worth Up To $100!^†
For a limited time, you will receive a Lowe’s^® Gift Card worth up to $100 when you close on a Home Equity Loan or Home Equity Line of Credit. It's our way of saying "thank you" for choosing Cincinnati Police FCU!

Limited-Time Offer - Act Now!
Simply bring this email to the credit union, call (513) 352-3568 or apply online at www.copfcu.com to take advantage of this very special offer. But hurry - this offer ends April 15, 2008!

Lowe's^® is not affiliated with Cincinnati Police Federal Credit Union. LOWE'S^® and the GABLE MANSARD DESIGN are registered trademarks and service marks of LF, LLC.

*APR=Annual Percentage Rate. Rate/APR for Home Equity Loans and Lines of Credit may differ depending on amount borrowed, term, loan-to-value ratio, and overall creditworthiness. Special Introductory Rate offer applies to new Home Equity Lines of Credit only. Home Equity Line of Credit Introductory Rate of 4.99% APR will revert to your regular variable rate in effect at the conclusion of the six-month period. Your regular variable rate will depend on amount borrowed, term, loan-to-value ratio, and overall creditworthiness. Our Home Equity Line of Credit is based on the Prime Rate as published in the Wall Street Journal. For Home Equity Loans and Lines of Credit, consult your tax advisor for tax-deduction eligibility. Contact the credit union for complete loan details. Equity loans or lines opened within the last 12 months that rewrite to this rate offer will incur an early termination fee unless the outstanding balance is increased by $10,000 or more at closing. Property, title and/or flood insurance, if applicable, are required.

**Maximum daily purchase limit of $5,000 applies for the MasterCard Debit Card. Additional funds can be accessed via Home Equity Line of Credit checks. No annual or transaction fees are associated with the MasterCard Debit Card. Contact the credit union for complete details.

All offers good through 4/15/08 and are subject to meeting credit criteria. Applications must be received by 4/15/08 and loan documents must be signed by 4/30/08. This offer may not be used in conjunction with any other discounts, offers or coupons.

†Lowe's^® Gift Card awarded at loan closing. One Gift Card per loan. Incentive level applies to new money borrowed only. Loans of $10,000- $25,000 receive a $50 Gift Card. Loans over $25,000 receive a $100 Gift Card. Contact the credit union for complete details.

959 W. 8th Street Cincinnati, Ohio 45203-1203 Phone: (513) 352-3568 Fax: (513) 352-2304