| Terms of Repayment * | Interest Rate | Annual Percent Rate | Monthly Payment | Closing Cost |
| 15 Year Fixed Rate | 3.125 | 3.243 | 696.61 | $350 + Out of Pocket |
| 30 Year Fixed Rate | 3.875 | 3.948 | 470.24 | $350 + Out of Pocket |
| Rates effective: 2/23/2012 Interest rates subject to change at any time without notice. |
| Terms of Repayment * | Interest Rate | Annual Percent Rate | Monthly Payment | Closing Cost |
| 15 Year Fixed Rate | Call for Current Rates | |||
| 30 Year Fixed Rate | Call for Current Rates |
| Rates effective: 2/23/2012 Interest rates subject to change at any time without notice. |
| Terms of Repayment * | Interest Rate | Annual Percent Rate | Monthly Payment | Closing Cost |
| 1 Year ARM | 2.750% | 3.156% | $408.25 | $350 + Out of Pocket |
| 3/1 Year ARM | 3.000% | 3.161% | $421.61 | $350 + Out of Pocket |
| 5/1 Year ARM | 3.250% | 3.235% | $435.21 | $350 + Out of Pocket |
| Rates effective: 2/23/2012 Interest rates subject to change at any time without notice. |