Disclosures:

Limited time offer. Rates, terms & conditions effective as of 3/13/13 are for sample purposes only and subject to change. Subject to credit approval. Property insurance required. Other restrictions may apply. See bank for details.

1. Available on first mortgage refinance transactions with 80% maximum loan to value. Based on a $100,000 loan, 180 months, interest rate/APR of 3.375%, $0 closing costs & $709 payment. Other restrictions may apply. Additional costs may apply if escrow and/or title insurance is required.

2. Advertised interest savings based on 180 month term with a fee of $0.

3. Based on an interest rate of 3.875% the payment amount would be $7.33 per thousand.

4. Based on an interest rate of 4.375% the payment amount would be $7.59 per thousand.

5. Based on an interest rate of 5.375% the payment amount would be $8.10 per thousand.

6. Interest savings based on the comparison of a $50,000 loan refinanced at an interest rate/APR of 3.375%/3.375% from a 3.875%/3.875% or a 4.375%/4.375% or a 5.375%/5.375%.

7. Interest savings based on the comparison of a $100,000 loan refinanced at an interest rate/APR of 3.375%/3.375% from a 3.875%/3.875% or a 4.375%/4.375% or a 5.375%/5.375%.

8. Interest savings based on the comparison of a $200,000 loan refinanced at an interest rate/APR of 3.375%/3.375% from a 3.875%/3.875% or a 4.375%/4.375% or a 5.375%/5.375%.

9. Interest savings based on the comparison of a $400,000 loan refinanced at an interest rate/APR of 3.375%/3.375% from a 3.875%/3.875% or a 4.375%/4.375% or a 5.375%/5.375%.