Competitive rates, personalized service

   Charles Schwab Bank

1. Rate and APR Table Assumptions
Rates used to calculate the average rates shown were based on 30 year amortization (15 years for 15 year fixed); 80% Loan to Value; 0 points (or closest rate to 0 points offered by the lender); no prepaid interest; 60 day rate lock; secured by owner occupied, single family residence; with a loan amount of $250,000 for conforming loans, and a loan amount of $640,000 for jumbo loans. Annual Percentage Rates (APR) used to calculate the average APR shown were calculated by Informa based on interest rates, points, and other costs obtained from the institutions during the survey, as of the date shown, and may not reflect all options the lender offers. APRs are for comparison purposes only and do not reflect any rounding the lender may use. Rates used to calculate the average rates were obtained by Informa in the following markets: Phoenix AZ; Los Angles, CA; San Francisco, CA; New York, NY; Denver, CO; Seattle, WA; Atlanta, GA; Chicago, IL; Alexandria, VA; Houston, TX.

Rates, terms, conditions and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an offer or a commitment to lend. Loans are subject to credit and property approval. Other conditions and restrictions may apply. Hazard insurance may be required.

Charles Schwab Bank and Charles Schwab & Co., Inc. are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Brokerage products offered by Charles Schwab & Co., Inc. are not insured by the FDIC, are not deposits or obligations of Charles Schwab Bank, and are subject to investment risk, including the possible loss of principal invested. Charles Schwab & Co., Inc., a registered broker-dealer and SIPC member, does not solicit, offer, endorse, negotiate or originate any mortgage loan products and is neither a licensed mortgage broker nor a licensed mortgage lender. All mortgage loans are offered and provided by Charles Schwab Bank, member FDIC and an Equal Housing Lender. Charles Schwab Bank is not acting or registered as a securities broker-dealer or investment advisor.