(1) Portfolio Mortgage Products Require Escrow Reserves for Real Estate Taxes and Hazard Insurance along with Automatic Mortgage Payment Deductions from a George Washington Savings Bank Checking Account.
(2) Non-Conforming Portfolio Products may be subject to an interest rate increase.

*Annual Percentage Rate

**Refinance over 75% LTV - Add .125%
**Rate Lock Period of 45 Days
**Interest Rates are based on a loan limit of $417,000.00 for Single Family Owner Occupied Properties

***Principal and Interest Payment is Amortized over 30 Years
***Limited to Single Family Owner-Occupied Residences
***Limited to Purchase Transactions and Rate/Term Refinances
***3 Year Pre-Payment Penalty of 1.000% which is calculated on the outstanding principal mortgage loan balance
***Required Escrow Reserves for Real Estate Taxes and Hazard Insurance
***GWSB checking account with automatic mortgage payment deductions is required