Mortgage Product Disclosures

3/1, 5/1 and 7/1 ARM Terms and Conditions

3/1 ARM

Current Annual Percentage Rate (APR) is #3_1_ARM_MORTGAGE_APR#. The APR example is based on a loan amount of $300,000, maximum Loan to Value (LTV) of 80.00% and monthly payments of principal and interest (P&I) in the amount of #3_1_ARM_MORTGAGE_PAYMENT1# for payments 1 through 36, followed by monthly payments (P&I) of #3_1_ARM_MORTGAGE_PAYMENT2# for the remaining 27-year period. The interest rate is subject to increase at the end of the 3-year fixed rate period. Your interest rate may be adjusted annually thereafter and will be based on an index plus a margin. The index is the one-year London Interbank Offered Rate (LIBOR) as published in The Wall Street Journal. Contract rate and APR effective as of 11/19/2009.

5/1 ARM

Current Annual Percentage Rate (APR) is #5_1_ARM_MORTGAGE_APR#. The APR example is based on a loan amount of $300,000, maximum Loan to Value (LTV) of 80.00% and monthly payments of principal and interest (P&I) in the amount of #5_1_ARM_MORTGAGE_PAYMENT1# for payments 1 through 60, followed by monthly payments (P&I) of #5_1_ARM_MORTGAGE_PAYMENT2# for the remaining 25-year period. The interest rate is subject to increase at the end of the 5-year fixed rate period. Your interest rate may be adjusted annually thereafter and will be based on an index plus a margin. The index is the one-year London Interbank Offered Rate (LIBOR) as published in The Wall Street Journal. Contract rate and APR effective as of 11/19/2009.

7/1 ARM

Current Annual Percentage Rate (APR) is #7_1_ARM_MORTGAGE_APR#. The APR example is based on a loan amount of $300,000, maximum Loan to Value (LTV) of 80.00% and monthly payments of principal and interest (P&I) in the amount of #7_1_ARM_MORTGAGE_PAYMENT1# for payments 1 through 84, followed by monthly payments (P&I) of #7_1_ARM_MORTGAGE_PAYMENT2# for the remaining 23-year period. The interest rate is subject to increase at the end of the 7-year fixed rate period. Your interest rate may be adjusted annually and will be based on an index plus a margin. The index is the one-year London Interbank Offered Rate (LIBOR) as published in The Wall Street Journal. Contract rate and APR effective as of 11/19/2009.

5/1 Interest Only ARM Terms and Conditions

Current Annual Percentage Rate (APR) is #5_1_INT_MORTGAGE_APR#. The APR example is based on a loan amount of $300,000, maximum Loan to Value (LTV) of 80.00% and interest-only monthly payments of #5_1_INT_MORTGAGE_PAYMENT1# for payments 1 through 60, followed by fully-amortizing monthly payments of #5_1_INT_MORTGAGE_PAYMENT2# for the remaining 25-year period. The interest rate is subject to increase after the first five years and annually thereafter, based on an index plus a margin. The index is the London Interbank Offered Rate (LIBOR) as published in The Wall Street Journal. Contract rate and APR effective as of 11/19/2009.

15-Year and 30-Year Fixed Rate First Mortgage Terms and Conditions

15-Year Loan Example Payment:

APR of #15_FIXED_MORTGAGE_APR# effective as of 11/19/2009. Example assumes a 15 year loan term, maximum Loan to Value (LTV) of 80.00% and monthly principal and interest payments of #15_FIXED_MORTGAGE_PAYMENT1#.

30-Year Loan Example Payment:

APR of #30_FIXED_MORTGAGE_APR# effective as of 11/19/2009. Example assumes a 30 year loan term, maximum Loan to Value (LTV) of 80.00% and monthly principal and interest payments of #30_FIXED_MORTGAGE_PAYMENT1#.