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 Details and Rates  
 Mortgage Loans Detail and Rates
Mortgage Loans
Product Interest Rate APR Points Payment per $1,000
10-Year Fixed Rate 5.750% 5.750% 0 $10.98
15-Year Fixed Rate 5.625% 5.939% 2 $8.24
15-Year Fixed Rate 5.750% 5.906% 1 $8.30
15-Year Fixed Rate 5.875% 5.875% 0 $8.37
20-Year Fixed Rate 6.125% 6.125% 0 $7.24
30-Year Fixed Rate 6.000% 6.189% 2 $6.00
30-Year Fixed Rate 6.125% 6.220% 1 $6.08
30-Year Fixed Rate 6.250% 6.250% 0 $6.16
1 Year Adjustable Rate 4.375% 4.460% 1 $4.99
1 Year Adjustable Rate 4.500% 4.500% 0 $5.07
First Time Home Buyer Program
Effective date: 11/21/2008
All rates are subject to change without notice.

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