<table border="0" cellpadding="2" cellspacing="7" style="vertical-align:top"><tr><td width="80" align="center" valign="top"><font></font></td><td valign="top" class="j"><font><br /><div style="padding-top:0.8em"><img alt="" height="1" width="1" /></div><div class="lh"><a href="http://www.santacruzsentinel.com/business/ci_17041121"><b>Peter Boutell, Lending a Hand: New Year&#039;s resolutions for homeowners</b></a><br /><font size="-1"><b><font color="#6f6f6f">Santa Cruz Sentinel</font></b></font><br /><font size="-1"><b>...</b> adjustable-rate mortgages, <b>Home</b> Equity Lines of Credit or those who would like to create cash to cover future expenses college, <b>remodeling</b>, retirement, <b>...</b></font><br /><font size="-1"></font><br /><font size="-1"><a class="p" href="http://www.santacruzsentinel.com/business/ci_17041121"><b>and more&nbsp;&raquo;</b></a></font></div></font></td></tr></table>