Sample Rates as of October 13, 2009: TERM RATE 1-year mortgage (closed) 2.75% 2-year closed mortgage 3.20% 3-year closed mortgage 3.59% 4-year closed mortgage 4.09% 5-year closed mortgage 4.14% (30-day quick close) 1-year open mortgage 7.00% 1-year standard closed 4.14% MANY OTHER RATE OPTIONS ARE AVAILABLE; PLEASE CALL KEVIN FOR DETAILS. * NOTES: All rates based on credit approval and A+ credit rating and will vary depending on credit score Rate Guarantee available for 90 to 120 days Rates are not guaranteed for pre-approvals Rates are subject to change without notice and rate sheet shown is for demonstration purposes and therefore may be subject to errors and omissions Minimum mortgage amounts may apply to qualify for rates shown