MORTGAGE INTEREST RATES*
Primary and Second Homes

Effective:  July 1, 2009

Loans up to $417,000.00

Term	Rate	Points	Annual Percentage Rate (APR)	Monthly Payment  per $1,000.00
30 Year Fixed	5.625%	0	5.644%	$5.76
30 Year Fixed	5.375%	1	5.484%	$5.60
15 Year Fixed	5.000%	0	5.031%	$7.91
15 Year Fixed	4.750%	1	4.933%	$7.78

Loans over $417,000.00 up to $625,500.00

Term	Rate	Points	Annual Percentage Rate (APR)	Monthly Payment per $1,000.00
30 Year Fixed	6.000%	0	6.019%	$6.00
30 Year Fixed	5.750%	1	5.862%	$5.84
15 Year Fixed	5.500%	0	5.532%	$8.17
15 Year Fixed	5.250%	1	5.435%	$8.04

Loans over $625,500.00 up to $1,500,000.00

Term	Rate	Points	Annual Percentage Rate (APR)	Monthly Payment per $1,000.00
30 Year Fixed	6.500%	0	6.504%	$6.32
30 Year Fixed	6.250%	1	6.349%	$6.16
15 Year Fixed	5.875%	0	5.882%	$8.37
15 Year Fixed	5.625%	1	5.787%	$8.24

Adjustable Rate Mortgages (ARM)** - Loans up to $1,500,000.00

ARM	Rate	Points	Caps	Annual Percentage Rate (APR)	Monthly Payment per $1,000.00
1/1	5.00%	0	2/6	5.018%	$5.37
3/1	5.25%	0	2/6	5.079%	$5.52
5/1	5.50%	0	2/6	5.208%	$5.68
3/3	5.125%	0	3/5	5.143%	$5.45

* All interest rates, APRs, points and caps are subject to change without notice.  Rates are provided for
illustrative purposes only and may vary based on loan details such as the loan amount, loan-to-value, your credit, property type and occupancy.  Quoted rates are based on a refinance no-cash-out loan and owner occupied single family residence.  Rates and APRs assume that an escrow account is set up for payment of property taxes, hazard insurance and mortgage insurance if applicable.

** Special information for all Adjustable Rate Mortgages:  The APR, interest rate, and principal and interest
payment are subject to increase and will change after the loan is closed due to market-driven changes
to the index.

Call for a rate quote on all loans over $1,500,000.00 ~ 1-800-490-BANK (2265) or 1-508-627-4266.