[Illustration 2]{.underline}

+--------------+--------------+------------------+-----+--------------+---+
| SAMPLE       |              |                  |     |              |   |
| MORTGAGE     |              |                  |     |              |   |
| COMPARISON   |              |                  |     |              |   |
|              |              |                  |     |              |   |
| *(Not actual |              |                  |     |              |   |
| loans        |              |                  |     |              |   |
| available)*  |              |                  |     |              |   |
+--------------+--------------+------------------+-----+--------------+---+
| Sample Loan  |              |                  |     |              |   |
| Amount       |              |                  |     |              |   |
| \$200,000 -- |              |                  |     |              |   |
| 30-Year Term |              |                  |     |              |   |
| -- Interest  |              |                  |     |              |   |
| Rates For    |              |                  |     |              |   |
| Example      |              |                  |     |              |   |
| Purposes     |              |                  |     |              |   |
| Only         |              |                  |     |              |   |
+--------------+--------------+------------------+-----+--------------+---+
|              | Traditional  | 5-Year           | P   |              |   |
|              | Fixed Rate   | Interest-Only    | aym |              |   |
|              | Mortgage     | ARM              | ent |              |   |
|              |              |                  | Opt |              |   |
|              | (7%)         | (initial rate    | ion |              |   |
|              |              | 7%;              | ARM |              |   |
|              |              |                  |     |              |   |
|              |              | maximum rate     | (r  |              |   |
|              |              | 12%)             | ate |              |   |
|              |              |                  | in  |              |   |
|              |              |                  | 1^  |              |   |
|              |              |                  | st^ |              |   |
|              |              |                  | mo  |              |   |
|              |              |                  | nth |              |   |
|              |              |                  | 2%; |              |   |
|              |              |                  | va  |              |   |
|              |              |                  | ria |              |   |
|              |              |                  | ble |              |   |
|              |              |                  | r   |              |   |
|              |              |                  | ate |              |   |
|              |              |                  | af  |              |   |
|              |              |                  | ter |              |   |
|              |              |                  | 1^  |              |   |
|              |              |                  | st^ |              |   |
|              |              |                  | mo  |              |   |
|              |              |                  | nth |              |   |
|              |              |                  | (st |              |   |
|              |              |                  | art |              |   |
|              |              |                  | ing |              |   |
|              |              |                  | at  |              |   |
|              |              |                  | 7   |              |   |
|              |              |                  | %); |              |   |
|              |              |                  | m   |              |   |
|              |              |                  | axi |              |   |
|              |              |                  | mum |              |   |
|              |              |                  | r   |              |   |
|              |              |                  | ate |              |   |
|              |              |                  | 1   |              |   |
|              |              |                  | 2%) |              |   |
+--------------+--------------+------------------+-----+--------------+---+
| REQUIRED     |              |                  |     |              |   |
| MONTHLY      |              |                  |     |              |   |
| PAYMENTS     |              |                  |     |              |   |
+--------------+--------------+------------------+-----+--------------+---+
| Years 1-5    | \$1,331      | \$1,167          | \$7 |              |   |
|              |              |                  | 39- |              |   |
|              |              |                  | -\$ |              |   |
|              |              |                  | 987 |              |   |
|              |              |                  |     |              |   |
|              |              |                  | (i  |              |   |
|              |              |                  | ncr |              |   |
|              |              |                  | eas |              |   |
|              |              |                  | ing |              |   |
|              |              |                  | ann |              |   |
|              |              |                  | ual |              |   |
|              |              |                  | ly) |              |   |
+--------------+--------------+------------------+-----+--------------+---+
| Year 6 -- if | \$1,331      | \$1,414          | \   |              |   |
| rates        |              |                  | $1, |              |   |
|              |              |                  | 565 |              |   |
| don't change |              |                  |     |              |   |
+--------------+--------------+------------------+-----+--------------+---+
| Year 6 -- if | \$1,331      | \$1,678          | \   |              |   |
| rates        |              |                  | $1, |              |   |
|              |              |                  | 859 |              |   |
| rise 2%      |              |                  |     |              |   |
+--------------+--------------+------------------+-----+--------------+---+
| Year 8 -- if | \$1,331      | \$2,094          | \   |              |   |
| rates        |              |                  | $2, |              |   |
|              |              |                  | 319 |              |   |
| rise 5%      |              |                  |     |              |   |
+--------------+--------------+------------------+-----+--------------+---+
| EFFECT ON    |              |                  |     |              |   |
| LOAN BALANCE |              |                  |     |              |   |
| AND HOME     |              |                  |     |              |   |
| EQUITY       |              |                  |     |              |   |
+--------------+--------------+------------------+-----+--------------+---+
| After 5      | \$188,263    | \$200,000        | \$2 |              |   |
| Years, How   |              |                  | 21, |              |   |
| Much Will    |              |                  | 486 |              |   |
| You Owe?     |              |                  |     |              |   |
+--------------+--------------+------------------+-----+--------------+---+
| After 5      | \$11,737     | \$0              | *   |              |   |
| Years, How   |              |                  | NEG |              |   |
| Much Home    |              |                  | ATI |              |   |
| Equity Have  |              |                  | VE* |              |   |
| Your Loan    |              |                  | \$  |              |   |
| Payments     |              |                  | 21, |              |   |
| Built?       |              |                  | 486 |              |   |
+--------------+--------------+------------------+-----+--------------+---+