Adjustable Rate Mortgage

5/1 Adjustable Rate Mortgage (ARM)

Rate is fixed for first 5 years, then adjusts annually thereafter based on weekly average yield on US Treasury securities to a constant of one year as made available by the Federal Reserve Board. 2% interest rate cap at each interest rate adjustment period. Life of loan cap +/-6%, Floor 4.5%, Minimum down payment required for purchases is 5%. PMI insurance required if LTV>80%. Title insurance required. Escrow required on LTV >80%. Margin used 2.25%. Rate is subject to increase over the life of the loan. Refer to product disclosure for additional information. All APRs and Rates are accurate as of December 7, 2009 and are subject to change without notice.

7/1 Adjustable Rate Mortgage (ARM)

Rate is fixed for first 7 years, then adjusts annually thereafter based on weekly average yield on US Treasury securities to a constant of one year as made available by the Federal Reserve Board. After the 7th year converts to annually thereafter. 5% interest rate cap at first interest rate adjustment and 2% thereafter. Life of loan cap +/-6%, Floor 4.5%, Minimum down payment required for purchases is 5%. PMI insurance required if LTV >80%. Title insurance required. Escrow required on LTV >80%. Margin used 2.50%. Rate is subject to increase over the life of the loan. Refer to product disclosure for additional information. All APRs and Rates are accurate as of December 7, 2009 and are subject to change without notice.

One Year Adjustable/Convertible

Rate adjusts annually based on weekly average yield on US Treasury securities adjusted to a constant maturity of one year as made available by the Federal Reserve Board. 2% interest cap at each interest rate adjustment period. Life of loan Cap +/-6%, Floor 4.50%, Margin 2.25%. The conversion option is available between the 12th and 60th months. Fixed rate on conversion is based on Fannie Mae 60 day required net yield as of 45 days prior to the effective date of the conversion plus 5/8 of 1 percentage point or .625% rounded to the nearest 1/8 of 1 percentage point or .0125%. If this index is not available, a comparable index will be used. Rate is subject to increase over the life of the loan. All APRs and Rates are accurate as of December 7, 2009 and are subject to change without notice.