25 Year Mortgage with rates adjusted at the end of each three year period:

* 80% loan to value ( lower of cost or appraised value). These loans are

maintained at , and are serviced by Peoples Savings Bank. Interest rates

are also set by Peoples Savings Bank.

15 Year Fixed or Adjustable Rate Mortgage :

* Same as above. Interest rates are generally higher on fixed rate mortgages

to compensate for interest rate risk exposure assumed by Peoples

Savings Bank.

Up to 30 Year Fixed or Adjustable Rate Mortgage :

* These loans are sold on the secondary market, which also sets the

interest rates. The loans are not held by Peoples Savings

Bank , nor are they serviced by us. Loan to value requirements vary

depending on the type of loan requested. They are generally 90% loan to

value ( lower of cost or appraised value ) .

Typical Real Esate Loan :

* A typical fixed rate loan would require a 20% down payment.

* Assuming a 6.00% annual percentage rate, an example would be 180

monthly payments of $ 8.44 per $ 1,000.00 borrowed.