CIBM Bank

November 20, 2009

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Today's Featured Rates

30 Year Fixed Rate
Rate	APR	Points
4.875%	4.916%	0.000%
15 Year Fixed Rate
Rate	APR	Points
4.375%	4.445%	0.000%
3/1 Adjustable Rate
Rate	APR	Points
4.500%	3.959%	0.000%
5/1 Adjustable Rate
Rate	APR	Points
4.750%	4.151%	0.000%

Assumptions

Key Benefits
	Still want to have personal assistance? You can call or e-mail one of our mortgage professionals to answer any of your questions or to ask for advice.
	Ready to close on your mortgage quickly? We can get your mortgage approved in minutes, rather than days or weeks!
	Free Mortgage Loan Preapprovals We offer free mortgage loan preapprovals, so you can shop for your home knowing that you can afford the mortgage.
	Confused about which program to choose? We offer a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages. We offer easy to understand explanations of each program on the site and a Mortgage Originator is always just a call or e-mail away!

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*Annual Percentage Yields (APY) are current as of November 20, 2009.

Internet Certificates of Deposit - Initial deposit of $10,000 required. Rates subject to change daily. A penalty may be imposed for withdrawal prior to maturity. Fees may reduce earnings. Internet CD terms, interest rates, and annual percentage yields are available ONLY ONLINE.

Internet Money Market Accounts - Initial deposit of $10,000 required. Minimum balance of $10,000 required to avoid monthly fee. Money Market Account rates are subject to change anytime after account opening, and certain service charges may reduce earnings. Please refer to the rate chart for the tier classifications and current rates. Internet Money Market interest rates and annual percentage yields are available ONLY ONLINE.