Current Rates - Effective as of February 16, 2012

Fixed Rate Biweekly Mortgages

Loan Type	Interest Rate%	Discount Points%	Origination Fee%	APR%	Maximum LTV Ratio
15 Year	4.250 3.875	0 1.00	0 0	4.3421 4.1314	95%

Fixed Rate Monthly Mortgages

Loan Type	Interest Rate%	Discount Points%	Origination Fee%	APR%	Maximum LTV Ratio
30 Year	4.250 3.875	0 1.00	0 0	4.3888 4.0955	90%
15 Year	3.750 3.250	0 1.00	0 0	3.8429 3.4878	95%

Construction*

Loan Type	Interest Rate%	Discount Points%	Origination Fee%	APR%	Maximum LTV Ratio
Up To 12 Months	2.950	0	0	3.5777	80%

Construction / Permanent Loans*

Loan Type	Interest Rate%	Discount Points%	Origination Fee%	APR%	Maximum LTV Ratio
30 Year	4.000 - 6.500	0	0	4.0571 - 6.5669	80%
30 Year	4.000 - 5.500	.50	0	4.0990 - 5.6085	80%
15 Year	4.000 - 6.500	0	0	4.1015 - 6.6097	80%
15 Year	4.000 - 5.500	.50	0	4.1760 - 5.6840	80%

* When used in conjunction with our Construction/Permanent Program

Lot Loans

Loan Type	Interest Rate%	Discount Points%	Origination Fee%	APR%	Maximum LTV Ratio
30 Year 5 Yr. Balloon	6.500	0	0	6.5895	70%

Investment Properties

Loan Type	Interest Rate %	Discount Points%	Origination Fee%	APR%	Maximum LTV Ratio
25 Year 5 Yr. Balloon	5.875	1.00	0	6.0216	70%
25 Year 7 Yr. Balloon	6.250	1.00	0	6.3995	70%
25 Year 10 Yr. Balloon	6.875	1.00	0	7.0295	70%

Note: Annual percentage rates based on a loan-to-value of 80% or less and a loan amount of $165,000 for conventional loans. All rates are subject to change without notice. This information is not an advertisement to extend credit as defined by section 226.24 of Requlation Z.