Real Estate Loan
Amount Financed
Term Annual
Percentage Rate
1st Mortgage
80% Loan To Value
up to 15 Years
5.09%
2nd Mortgage
80% Loan To Value
up to 15 years
6.29%
HELOC - Freedom Line
90% Loan to Value
Draw 8 yrs, Amort 18 yrs
6.25%
2nd Mortgage
90% Loan To Value
Up to 15 years
7.29%

Rates as of August 1st, 2005. All rates are subject to change as a result of Board of Directors’ action.