Real Estate Loan

Real Estate Loan	Amount Financed	Term	Annual Percentage Rate
1st Mortgage	80% Loan To Value	up to 15 Years	5.39%
2nd Mortgage	80% Loan To Value	up to 15 years	6.19%
HELOC - Freedom Line	90% Loan to Value	Draw 8 yrs, Amort 18 yrs	4.75%
2nd Mortgage	90% Loan To Value	Up to 15 years	6.99%

Rates As Of April 24, 2008. All rates are subject to change as a result of Board of Directors' action.