Current Mortgage Rates* as of December 17, 2008: TERM RATE 6-year Closed 6.10% 5-year Closed 4.99% 4-year Closed 4.89% 3-year Closed 5.15% 2-year Closed 5.05% 1-year Closed 4.45% 5-year Variable 4.10% ** **Special Offer with rate lock-in option 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