Prime Rate Prime Rate 6.0% as of Feb. 26, 2008 Mortgaqe Loan Rates Call us at any location. Construction Loan Rates All Rates Effective as of Sept 19, 2007 and are for Owner-Occupied Properties Rates are Subject to change daily. Lot Loans Rate 8.75% APR 9.293% Points 1.0 Term 36 months (interest only) LTV 80% of sales price or appraised value whichever is less Construction Loans (Only) (Program A) Rate Wall Street Prime + .5% = 6.5% APR 8.597% Points .5 Term 9 months (interest only) LTV 80% of appraised value or 90% of acquisition whichever is less Construction Loans (Only) (Program B) Rate Wall Street Prime + 1.00% = 7.0% APR 9.101% Points .5 Term 9 months (interest only) LTV 80% of appraised value not toexceed 100% of acquisition Construction Permanent Loans All rates are subject to change daily. Please call 301-572-3740 for current rates and other programs.