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|Program*||Index||Max LTV** Purchase/Refi||Prepayment Penalty||Loan Term/Amort||Rate|
|3 Yr ARM||12-Mo. Libor||75%/75%||3,2,1||25/25||Call For Interest Rates and Fees|
|5 Yr ARM||12-Mo. Libor||75%/75%||3,3,2,1,1||25/25||Call For Interest Rates and Fees|
* Mortgages are fixed for the initial period, then roll into semi-annual adjustable rate (ARM) programs.
** Maximum 75% Loan-to-Value for purchases and refinances.
CERTAIN RESTRICTIONS APPLY. RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE. CALL FOR CURRENT INFORMATION.
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