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Announcing the Hometown Mortgage

July 19, 2011 - Local Lending for Local Families

This is an adjustable rate mortgage with an initial rate in effect for the first 12 months. The rate is subject to change annually at the end of each 12 month period of the 30 year term, based on the then current rate of the index plus a margin, with a floor of 5% and a ceiling of 8%. A down payment of 20% is required on first liens. The starting rate is 5% and can only increase 1% annually up to 8% during the life of the loan.

The initial APR is 5.045 based on a sample loan amount of $100,000 for 360 months with a monthly payment of $536.75. The sample monthly payment could range from $536.75 to $724.59 during the life of the loan.

Taxes and insurance will be escrowed on all first liens and will be added as part of the payment, but are not included in the sample payment. Member FDIC Equal Housing Lender

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