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 | ***CALL ABOUT OUR SPECIAL PROGRAM*** Effective Annual Percentage Rates (APR) listed are as of 5/8/2013 All interest rates are subject to change without notice.
| ARM Mortgage | ACCOUNT TITLE | INTEREST RATE | APR | | 1 Year ARM - 1 Point | 4.500 | 3.230 | | 1 Year ARM - 2 Point | 4.250 | 3.291 | | 1 Year ARM - 3 Points | 4.000 | 3.354 | | 3-1 Year ARM - 0 Points | 3.000 | 3.027 | | 3-1 Year ARM - 1 Point | 2.750 | 3.050 | | 5-1 Year ARM - 0 Points | 3.250 | 3.116 | | 5-1 Year ARM - 1 Point | 3.000 | 3.007 | | 7-1 Year ARM - 0 Points | 3.500 | 3.262 | | 7-1 Year ARM - 1 Point | 3.250 | 3.224 | | 10-1 Year ARM - 0 Points | 3.875 | 3.572 | | 10-1 Year ARM - 1 Point | 3.625 | 3.496 | Fixed Rate Mortgage | ACCOUNT TITLE | INTEREST RATE | APR | | 10 Year Fixed - 0 Points | 3.375 | 3.456 | | 15 Year Fixed - 0 Points | 3.500 | 3.557 | | 15 Year Fixed - 1 Point | 3.375 | 3.577 | | 15 Year Fixed - 2 Points | 3.250 | 3.599 | | 20 Year Fixed - 0 Points | 3.875 | 3.901 | | 25 Year Fixed- 0 points | 3.875 | 3.934 | | 30 Year Fixed - 0 Points | 4.000 | 4.051 | | 30 Year Fixed- 1 point | 3.875 | 4.010 | | 30 Year Fixed - 2 Points | 3.750 | 3.967 | | 30 Year Fixed - 3 Points | 3.625 | 3.925 | | 30 Year Fixed - Jumbo | 5.250 | 5.250 | Home Equity Line of Credit | ACCOUNT TITLE | INTEREST RATE | APR | TERM | | Home Equity Line of Credit | 5.500 | 5.500 | 240 mo. | | Premium Equity Line-$25,000 min initial draw | 5.500 | 5.500 | 240 mo. | Fixed Rate Home Equity Loan | *1st Lien* | **2nd Lien** | | ACCOUNT TITLE | INTEREST RATE | APR | INTEREST RATE | APR | | 5 Year Fixed-reflects .25% for auto transfer | 3.500 | 3.603 | 5.250 | 5.290 | | 10 Year Fixed-reflects .25% for auto transfer | 3.625 | 3.678 | 5.375 | 5.396 | | 15 Year Fixed-reflects .25% for auto transfer | 3.750 | 3.786 | 5.500 | 5.515 | | 20 Year Fixed-reflects .25% for auto transfer | 3.875 | 3.906 | 5.750 | 5.762 | | 30 Year Fixed-reflects .25% for auto transfer | 4.625 | 4.647 | 6.125 | 6.134 | | | | *Maximum Loan to Value on 1st Lien Rates is 65%* **Maximum Loan to Value on 2nd Lien Rates is 70%** | | |
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