Four Points ARM loans differ from conventional ARM loans in that there is no external index or margin. The rate is established by the Four Points Board of Directors.

This plan is espically well suited for those who wish a longer repayment term of up to 30 years, but who want a locked-in rate for the early part of the loan. This may include those who do not expect to be in their current house or have a mortgage for more than a few years.

Eligible properties and all other terms and conditions are the same as the variable rate plan.

Maximum loan to value financing and length of term available: Payment Calculator

Owner Occupied	Loan to Value	Term Length
Conventional	80% of Value	30 Years
Rental Units	75% of Value	15 Years*

Property Type	Fixed Rate Period	Annual Percentage Rate (APR)	Estimated Monthly Payment per $1,000 Based on 30-year loan
Owner Occupied	3 Years	4.00%	$4.77
Owner Occupied	5 Years	4.40%	$5.01
Property Type	Fixed Rate Period	Annual Percentage Rate (APR)	Estimated Monthly Payment per $1,000 Based on 15-year loan*
Rental Units	3 Years	4.50%	$7.65
Rental Units	5 Years	4.90%	$7.86

*Rental units can be set up for 25-year amortization with 15-year balloon to reduce payment.

At the end of the initial fixed period , the interest rate adjusts to the Four Points ARM rate in effect at the time of adjustment.

All Rates: view a full schedule of all loan and savings rates in our current newsletter.

Please call us at 800-323-2786 or 402-431-5180 for your mortgage loan application.

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IMPORTANT DISCLOSURES
The following information is provided to you pursuant to the requirements of the Truth in Lending Act and Regulation Z of the Federal Reserve Regulations. Regulation Z prescribes uniform methods of computing the cost of credit, disclosure of credit terms and procedures for resolving errors on certain credit accounts. Four Points Federal Credit Union loan products are offered as open ended credit and closed ended credit depending on the type of loan you desire. The disclosures contained herein do not contain all of the disclosure information which you will be provided if your loan is consummated. Additional disclosures required by law and regulations may be provided to you at various timed during the processing of your request as required by law.

Membership or Participation Fees. You must be a member of the Four Points Federal Credit Union to obtain a loan from Four Points Federal Credit Union. There is no membership or participation fee associated with that membership and no such fee is imposed for obtaining a loan.

CLOSED-END CREDIT: THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT FOUR POINTS FEDERAL CREDIT UNION’S CLOSED END-CREDIT LOANS. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS. Terms of Repayment. First mortgage real estate loans are available on both variable and fixed rate plans. Fixed rate loans are made only on terms up to 60 months, with the exception of extended term vehicle loans which may be made at fixed rates up to 72 months. All loan of terms longer than these will be made only at variable rates of interest. Long term fixed rate first mortgage loans are available through a program with the Federal Home Loan Bank.

The Annual Percentage Rate. The Annual Percentage Rate for closed end credit loans are subject to change. At the currently published interest rates, the repayment terms would be as described in the above chart.

Interest Rate Changes. The rates contained herein are effective as of September 1, 2010. However, the rates and terms described in this disclosure concerning variable rate loans are subject to change at any time. FOUR POINTS FEDERAL CREDIT UNION IS AN EQUAL HOUSING LENDER, AND EQUAL OPPORTUNITY LENDER AND COMPLIES WITH ALL REQUIREMENTS OF THE FEDERAL TRUTH IN LENDING ACT AND APPLICABLE REGULATIONS. ADDITIONAL DISCLOSURES REQUIRED BY LAW AND REGULATIONS MAY BE PROVIDED TO YOU AT VARIOUS TIMES DURING THE PROCESSING OF YOUR REQUEST AS REQUIRED BY LAW.

• IMPORTANT DISCLOSURES