

| Mortgage Loans |
| 30-year Fixed Rate* | 6.500% |
| 15-year Fixed Rate**** | 6.000% |
| 30-year Interest Only** | 6.750% |
| 5/1 Adjustable Rate Mortgage*** | 6.125% |
Rates effective as of 6/26/08 and are not guaranteed. Factors taken into consideration include loan to value, credit score, and assets . Up to 100% financing is available and is subject to credit approval.
*For a loan amount of $250,000, a 30-year fixed rate loan would amount to $1,580.17 a month for 360 months.
**For a loan amount of $250,000, a 30-year interest only loan would amount to $1,406.25 a month for the first 120 months. Payments will recalculate following the initial term
***For a loan amount of $250,000, a 5/1 Adjustable Rate Mortgage loan would amount to $1,519.03 a month for the first 60 months. Payments will recalculate following the initial term
****For a loan amount of $250,000, a 15-year fixed rate loan would amount to $2,109.64 a month for 180 months.