Effective: Friday, February 03, 2012
Description Rate Origination Points Term (Months) *A.P.R.
15 Yr. Fixed Rate  4.000% 0% 180 4.082%
20 Yr. Fixed Rate  4.500% 0% 240 4.565%
30 Yr. Fixed Rate  4.875% 0% 360 4.923%
30 Yr Rural Housing  4.250% 3% 360 4.510%
80/20 no PMI  6.375% 0% 360 6.428%
5/5 Adjustable Rate  4.000% 0% 360 4.046%