*The estimated Cashback Rebate amount is based on the 2009 Cashback Rebate as of November 16, 2009 – which was 0.22% of the 2009 average yearly loan and account balances. 2008's estimated Cashback Rebate was 0.20% of the 2008 average yearly loan and account balances. While it is the intent of the OMNI Community Credit Union Board of Directors to pay the Cashback Rebate each year, payment of a Cashback Rebate and/or the amount of the Cashback Rebate is not guaranteed. OMNI Community Credit Union reserves the right to change the Cashback Rebate eligibility criteria. OMNI Community Credit Union and Member First Mortgage are not tax professionals. Closing cost discount is available through our mortgage partner Member First Mortgage only. Offer is non-transferable and is subject to credit approval. If home’s value is less than loan refinance, OMNI reserves the right not to approve loan. Offer is based on credit worthiness and collateral value. Other restrictions may apply. Offer ends June 30, 2010.