"Banking the Traditional Way - Personalized Service, Common Sense Lending" MORTGAGE LOAN SPECIALISTS Diane C. Hintz - Asst. Vice President Paul C. Adamski - President/CEO Fixed Rate Loans Rate Points APR* Terms of repayment 15 Year Fixed changes daily 0% changes daily 15 yr. 20 Year Fixed changes daily 0% changes daily 20 yr. 30 Year Fixed changes daily 0% changes daily 30 yr. Rates and closing costs typically low in market. CALL US TODAY FOR RATES AND TERMS (715)341-5600 *APR is Annual Percentage Rate. Rates will vary based on rate lock term and loan amounts. Rates are subject to change without notice. Please call for today's rates. Private Mortgage Insurance is required on loans with a loan-to-value greater than 80%. Maximum loan-to-value is 97% for purchases; 90% for refinances. Maximum loan amount is $800,000. Jumbo loan rates are available. Variable Rate Loans Rate Fee APR* Terms of repayment 3 Year VRM 5.75% $350 5.784% 30 yr. Construction 12 month int.   6.25% $625 6.316%(-e) 30 yr. Non-Owner Occ. 6.25% $350 6.296% 20 yr. Land Only 6.25% $0 6.25% 15 yr. *APR is Annual Percentage Rate. The Annual Percentage Rate is subject to increase or decrease after three years. "Loan Approvals Made Locally" Our bank's unique ability to make decisions locally based on our knowledge of the applicant and the market make us a very popular alternative, especially for that non-traditional borrower. Additional Mortgage Programs Rate Points APR* Terms of repayment WHEDA changes daily 0% changes daily 30 yr. State VA changes daily 1% changes daily 30 yr. *APR is Annual Percentage Rate. Rates and terms are subject to change daily. Rates can only be locked upon written application. Home loans are available with as low as a 5% down payment. Private mortgage insurance is required and will generate a higher APR.