SAMPLE CURRENT RATES - as of February 2, 2010, P.M.

Super
Non-jumbo (Conventional) FHA Jumbo Jumbo [3]

Loan type Fixed Rate Fixed Rate 5/1 ARM 7/1 ARM Fixed Rate Fixed Rate 5/1 ARM Fixed Rate

Minimum Down Payment - % 10% 20% 10% 10% 3.5% 20% 20% 35%

Maximum Loan - $ $ 729,750 $ 729,750 $ 729,750 $ 729,750 $729,750 $2,000,000 $2,000,000 $5,000,000

Interest Rate [1], [2] 5.000% 5.000% 4.250% 4.500% 4.875% 5.875% 4.250% 6.500% [4]

Points 0.625 0.875 0.750 1.000 0.750 1.000 1.000 1.000

A.P.R. [1], [2] 5.756% 5.084% 4.058% 4.354% 5.472% 5.966% 3.611% 6.579%

Equal Housing Lender.

1
Notes:

[1] Rate and A.P.R. will vary based on factors such as points, loan amount, loan-to-value, borrower's credit, property type, and occupancy.
Rates and APRs assume an escrow account is set up for property taxes, hazard insurance, and mortgage insurance if applicable. ARM
rates subject to increase during loan term. All rates and terms subject to change without notice.

[2] This is not a commitment to lend. Restrictions apply. All rights reserved.

[3] For loan amounts greater than $2 million: prior to closing, borrower must provide documentation of reserves held in a
Bank of America and/or Merrill Lynch account totaling a minimum of 24 months of principal, interest, taxes, insurance, etc.
assessments (homeowners association fees/dues/special assessments) related to subject loan/property. Two separate
full appraisals are required. Good or excellent credit required, including proof of recent consistent mortgage payment
history. Loan to value, cash out limits, and property type restrictions apply; ask for details. Not available on all loan
programs. Other restrictions apply. Cash and collateral are subject to approval. Terms and conditions apply.
This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. AR102534
2008.

[4] Assumes 40% down payment.

Equal Housing Lender.

For additional information, loan programs and specific rate quotes,

please contact Gregg Anderson:

Gregg A. Anderson Judi Franich

Mortgage Loan Officer Broker - Associate
Phone: 1-888-561-0682 ext. 281 RE/MAX Accord
Fax: 1-866-509-8157 Direct: (925) 736-1664
Email: gregg2.anderson@bankofamerica.com Judi@TheFranichTeam.com
http:mortgage.bankofamerica.com/gregg2anderson www.TheFranichTeam.com