in your base pricing!!! We are a great alternative to the big box lender

Transcription

1 Experience Makes the Difference Check out our pricing on Preferred Jumbo ARMs!!! CORRESPONDENT RediFast UPDATE! Can you believe it? It is a 2/2/5! ************** Today's Rates are in the 3.00s.25 Price Improvement now included in your base pricing!!! We are a great alternative to the big box lender Subject to.25 adjustment if requirements not met Requirements: TODAY'S PRICING HIGHLIGHTS Min 680 FICO Wage/Salaried W-2 Borr(s); Primary or 2nd Home Only CONF 30 YR FIXED (2.981) No other REO GOV'T 30 YR FIXED (3.453) Ask your Account Executive or CONF 15 YR FIXED (2.405) Inside Sales Rep for details. Preferred 5/1 Jumbo (Non-Conf/Jumbo and CP don't qualify) Lock Expiration Dates and Cost of Lock Periods Conventional & Select/Premier Preferred Government & Advantage Jumbo Term Expiration date Status Fixed ARM Fixed ARM Fixed ARM 10 day 11/1/ & 15-day (0.250) (0.200) Not Available Not Available Not Available Not Available 15 day 11/6/2018 must be CTC (0.180) (0.120) Not Available Not Available Not Available Not Available 21 day 11/12/2018 U/W Approved (0.080) (0.050) Not Available Not Available Not Available Not Available 30 day 11/21/ Not Available day 12/6/ Not Available day 12/21/2018 Purchase only Not Available Extension Costs (Subject change without notice) # 1st Ext 2nd Ext 1st Ext 2nd Ext # 1st Ext *1st Extension available online 3 Days Days *U/W Approved w/ Conditions required 7 Days Days *Ext. days are added to expiration date 14 Days Days *Only 1 Extension allowed Account Executives For specific file questions, contact your underwriter (all other UW questions should go to your Account Executive) Andrea Lefebvre alefebvre@flcb.com VP/National Production Mgr Bob Eisendrath reisendrath@flcb.com National Strategic Acct Mgr Dan Hastings dhastings@flcb.com VP/National Warehouse Sales Manager Christina Bianco cbianco@flcb.com AZ, NY, Northern CA, OR, and WA Mark Bunting mbunting@flcb.com Texas Steve Porter sporter@flcb.com Florida Erika Ray eray@flcb.com Southern California Steve Carver scarver@flcb.com Inside AE - Midwestern & Southeastern Regions Heather Viglio hviglio@flcb.com Team Erika Ray / So. CA Inside Sales Support Bob Travis btravis@flcb.com NC & SC Chuck Gonzalez cgonzalez@flcb.com Southern California Jim Smart jsmart@flcb.com Northeastern States Renee Lee rlee@flcb.com Southern California Bryan Closset bclosset@flcb.com Illinois Sara Bjellos-Hood sbjelloshood@flcb.com MN, ND, SD and Western WI Jane Yanecko jyanecko@flcb.com AZ, Northern CA, Midwest Scott Kimberly skimberly@flcb.com AL, AK, LA, and TN Client Relations Representatives Miscellaneous Jama McDougall jmcdougall@flcb.com * Online Locks available 10:30 am to 7:00 pm EST (Only for new locks and 1st time extensions) Stephanie Mitchell smitchell@flcb.com Thomas Hannah thannah@flcb.com *Re-Lock requests due by 4:00pm EST *Aged notes over 30 days old require.50 adjustment Addresses *Turn Times available online *Re-locks are worse case plus.125 relock fee Closing Request closingrequest@flcb.com *Only 2 rolls allowed, each for 7 more Locks/Relocks/Extensions secondary@flcb.com cost each Mortgagee Clause Florida Capital Bank, N.A., ISAOA ATIMA Deerwood Park Blvd. Bldg. 100, Suite 200-A Jacksonville, FL Experience Makes it Happen!!! Pricing for rates not listed may be available by calling the Registration Desk. On-line Locks available ONLY for Rates and Prices listed. Rates shown are current market only and are subject to change, Loans may be locked from 10:30 AM to 7:00 PM EST. For use by mortgage professionals only and should not be distributed to borrowers. Pg 1 of 6

2 ` Contacts Conventional Conforming FIXED RATE - 30 DAY PRICING CON30 CJB30 CON20 CON15 CON10 FHR30 FHP (0.093) (0.737) (0.068) (0.139) (0.333) (0.362) (0.537) (1.303) (0.634) (0.686) (0.715) (0.928) (1.103) (1.869) (1.200) (1.224) (1.253) (1.494) (1.669) (2.634) (1.285) (1.583) (1.667) (2.259) (2.434) (2.981) (1.632) (2.108) (2.134) (0.245) (2.606) (2.781) (3.749) (2.400) (2.865) (2.405) (0.515) (3.374) (3.549) (3.831) (2.482) (3.148) (2.784) (0.763) (3.456) (3.631) (4.067) (2.006) (3.581) (2.963) (1.042) (3.692) (3.867) (4.785) (2.724) (3.617) (3.317) (1.083) (4.410) (4.585) (5.045) (2.984) (3.936) (1.062) (4.670) (4.845) (5.326) (3.265) CJB (4.951) (5.126) (5.659) (2.299) Agency High Balance Agency High Balance Deduct 1.50 HomeReady HomePossible Advantage ARM's - 30 DAY PRICING CONF 5 YEAR CONF 5 YEAR JMB CONF 7 YEAR ARM INFO HR & HP LPMI Rates HomeReady / HomePossible Info Score LPMI Rate Index Price CAPS (Only Applicable to standard Agency LLPAs) Y LIBOR LTV>80% and FICO >= (0.049) (0.007) MARGIN All other LTV's and FICOs (1.500) (0.240) (0.157) CAPS - 3 YR 2/2/ HR=HomeReady; HP=HomePossible (0.521) (0.707) 5 YR 2/2/ HR requires DU; HP requires LPA (0.996) (1.199) 7 YR 5/2/ HP: Secondary Financing is always.50 adj (incl. in cap) (1.390) (0.265) (1.440) HR: Secondaray Financing is standard LLPA, see below (1.557) (0.432) (1.533) HR & HP: 1 unit only, owner occupied only (1.599) (0.474) (1.633) HomeReady w/ LPMI HP: HomePossible Advantage only, no HomePossible Prod Code = LP97R HomePossible w/ LPMI ALL adjusters listed below are applicable and not included Agency High Balance Prod Code = LP97P in the Price CAPS, only the standard Agency LLPAs are use code CJB51 included in the Price CAPS. CONFORMING ADJUSTERS (all applicable adjusters must be used) - STATE ADJUSTERS at bottom of Page (YSP) Agency Price Adjustments - Terms > 15 yr (Except 97) Investment LTV <=75% Credit Score Investment LTV 75.01% - 80% LTV's <= >=740 Investment LTV >80.01% <= No Escrows: CA Agency LLPA Condo >15YR & LTV >75%: Units: Units: Agency Jumbo Cash-out nd Hm >85%LTV & LPA ARM: LTV % FNMA Disaster Relief NA NA NA NA NA NA NA NA $50,000 - $74,999: Agency - Cash outs $75,000 - $99,999: <= $100,000 - $149,999: $150,000 - $199,999: $200,000 - $249,999: nd home Refi+ LTV >80<=90 FICO NA NA NA NA NA NA NA NA Agency Secondary Financing LLPAs (LTV/CLTV) Secondary Financing (plus applicable below) (Homepossible =.50 always) Conventional Loans < 720 >= 720 Florida Capital Bank Mortgage will not originate Higher Priced Mortgages. LTV<= 65 - CLTV > Loans with APRs 1.50 above the rates below will not be funded. LTV> CLTV> Prime Offered Rates LTV> CLTV> Locked LTV> CLTV> Week of 15/20 Yr Fix 30 Yr Fix 5yr Arm CLTV> Hi bal Arms LTV/CLTV <=75% /24/ LTV/CLTV >75% /01/ /08/ Lender Paid MI LTV / FICO ADJUSTMENTS 10/15/ Amortization Term > 20 Years 10/22/ Coverage % > % 35% Refer to the following link for more information % 30% % 25% <=85% 12% Amortization Term <= 20 Years Extension Costs Product Codes Coverage % > st 2nd Agency High Balance % 35% days.08 bps.12 bps CJB30 30YR % 30% days.15 bps.25 bps CJB15 15YR % 25% days.30 bps.40 bps CJB51 5YR ARM <=85% 12% Texas A(6) Rate / Term Refi CA630 30YR Cash-out Refi Relock CA615 15YR Second Home Worst case pricing, relock fee Ln Amount >$650, Notes aged over 30 days * additional price adjustment may apply if best priced insurance is not available - price adjustment.50 * if adjustments are not shown, use MI cert * pricing is available for other coverage amounts through the pricing engine Lender Paid Product Codes LPC30 - Conf 30YR LPJB3 - HB 30YR LPC20 - Conf 20 yr CLP51 - Conf 5 ARM LPC15 - Conf 15YR CLP71 - Conf 7 ARM Conforming Fixed Conforming Arm's FL, GA, KY, LA, NC, ND, NE, OK, OR, PA, SC, VT TX FICO Pg 2 of 6

3 ` Contacts HARP FNMA - DU Refi Plus FIXED RATE - 30 DAY PRICING 30 yr HV < yr HV yr HV Note: All DURP loans with existing MI: All loans with existing MI will require transfer or continuation (0.458) (0.007) Not Available FLCB will only accept loans with MGIC or Radian policies (0.791) (0.301) MI must be kept current during refinancing process (1.378) (0.888) (1.921) (1.432) CRP3P CHP3P 20 yr HV < yr HV yr HV Extension Costs st 2nd days.08 bps.12 bps days.15 bps.25 bps (0.053) days.30 bps.40 bps (0.646) (1.233) Not Available (1.443) (0.500) Relock (1.955) (1.014) Worst case pricing, relock fee (2.360) (1.452) (2.690) (3.034) CRP2P CHP2P 15 yr HV < yr HV yr HV Note: 15yr Terms greater than 105% LTV or CLTV are not available PRODUCT CODES DU Refi Plus <=105% CRP3P 30YR DU Refi Plus w PIW Not Available Not Available CRP2P 20YR DU Refi Plus w PIW CRP1P 15YR DU Refi Plus w PIW % % (0.327) CHP3P 30YR HARP 2.0 w PIW (0.787) CHP2P 20YR HARP 2.0 w PIW CRP1P CONFORMING ADJUSTERS (all applicable adjusters must be used) - STATE ADJUSTERS at bottom of Page (YSP) DURP FICO/LTVPrice Adjustments Terms Greater than 15 yrs LLPAs Not Subject to Cum Price Caps** Credit Score Condo > 15YR LTV's <= >=740 Relock Fee <= (0.250) (0.250) (0.250) 2-Units: $50,000 - $74,999: $75,000 - $99,999: $100,000 - $149,999: $150,000 - $199,999: $200,000 - $249,999: Texas A(6): Not Allowed nd home Refi+ LTV >80<=90 FICO > Escrow Waiver LTV Secondary Financing CLTV CLTV FICO LTV Min LTV Max Min Max <720 >=720 FNMA DURP Cumulative Price Caps** LTV >80% LTV >80% Principal Residences (HARP Mortgages) FICO >=660 FICO < Terms Greater than 15 yrs yr Terms All All Other DURP All LTVs All LTVs FICO >=660 FICO < 660 Loans in MA up to 105% LTV/CLTV min 660 FICO Terms Greater than 15 yrs yr Terms **Note: LLPAs noted above and are Not subject to cumulative Price Caps. Conforming Fixed Conforming Arm's FL, GA, KY, LA, NC, ND, NE, OK, OR, PA, SC, VT TX Pg 3 of 6

4 Contacts Government Products FIXED RATE - 30 DAY PRICING FHA/VA30 30YR FHA3S 30YR VIR30 30YR FJB30YR USD 30YR FHA15 G1 15YR FHA1S 15YR (0.265) (0.932) (0.505) (0.562) (0.116) (0.412) FH2/VA15 15YR (0.283) (1.721) (1.294) (1.351) (0.906) (1.201) (0.678) (2.248) (1.821) (1.878) (1.320) (1.728) (1.064) (2.738) (2.311) (2.368) (1.810) (2.218) (1.421) (2.979) (2.552) (2.609) (2.051) (2.459) (0.236) (1.746) (3.453) (3.026) (3.083) (2.525) (2.933) (0.658) (4.051) (3.624) (3.681) (2.814) (3.531) (1.053) (4.418) (3.991) (4.048) (2.931) (3.898) (1.439) (4.436) (4.009) (4.066) Product Code (3.916) (1.796) (4.591) (4.164) (4.221) FHA FJB #VALUE! (2.121) (4.765) (4.338) (4.395) FHA Stml FJB3S Product Code (5.039) (4.612) ( VA adjustor included) VA FVAJ3 SL Assist USD3S (FHA/VA 10y priced same) FHA 30 YEAR STREAMLINES VA IRRRLS Govt High Balance USDA Rural FHA/VA 15 YEAR STREAMLINES Goverment ARMS - 30 Day Pricing Government Adjusters Manual Underwrite, FICO < Index 1 YR UST VA FHA 5/1 ARM ARM Plan: 251 VA Cashout LTV > 90% CAPS 1/1/5 VA IRRRLS Margin 2 FHA 5/1 ARM FHA/VA (0.208) BOX A BOX B BOX C FHA/VA/USDA (0.489) HUD Sponsorship # VA Lender # First Pmt 1st Pmt Intital Adj FHA/VA/USDA (0.629) Date Change Months FHA/VA 20YR (priced off 30yr) (0.713) 12/1/2017 4/1/ VA IRRRLS LTV (0.797) 1/1/2018 4/1/ VA IRRRLS LTV (1.095) 2/1/2018 4/1/ FHA Stml / VA IRRRL Hi Balance /1/2018 7/1/ VA IRRRL Rebuttable Presumption FHA51 30 Day Relock : worst case, fee USDA Streamline Assist Lock Term Fixed ARM FHA / VA NOO Extension 15 day (0.180) (0.120) VA HB > $1,000, st 2nd 21 day (0.080) (0.050) VA HB < days.08 bps.12 bps 30 day Governemnt Loan Size Adjusters VA HB C/O % LTV days.15 bps.25 bps 45 day $50,000 - $74,999: VA HB C/O >95% LTV days.30 bps.40 bps 60 day $75,000 - $99,999: VA HB Manual U/W $100,000 - $149,999: Gov Fixed Gov Arm's FL*, GA, KY, LA, NC, ND, NE, OK, OR, PA, SC, VT TX Preferred Jumbo ARMS 5/1 ARM 5/1 ARM IntOnly Price Adj. <= CAPS 2/2/ DTI over 38 (exception only) Margin Cash Out n/a 1 YR Libor Loan amount > $1.5 MM n/a n/a (0.625) Escrow Waiver Extensions (1.250) (0.375) Condo n/a 7 days.15 bps (1.750) (1.000) Second Home days.375 bps (2.250) (1.625) 30 days.500 bps (2.250) (1.750) NY property** Relock: worst case, NGL51-30 Day N51IO - 30 Day FICO => 760, Purchase Minimum loan amount $150,000 Max Price (2.25) Add'l lock per worsen 30d 7/1 ARM 7/1 ARM IntOnly Loan Amount <=$453,100 then RATE ADJ = day Lock day lock (0.625) Check out our Pricing on (1.250) (0.375) ****NEW**** (1.625) (0.875) Our new Interest Only options on 5 and 7s!!! (2.250) (1.625) If Loan Amount <= $453, (2.250) (1.750) And our new 10/1 ARM with a 2/2/5 Cap Then add.25 to the rate NGL71-30 Day N71IO - 30 Day Today's Rates are in the 3.00s 10/1 ARM We are a great alternative to the big box lender (0.500) Interest Only (1.125) Not Available (2.125) LOAN AMOUNTS UP TO $3,000, (2.250) (2.250) NGL10-30 Day Advantage ARM 5/1 ARM 5/1 ARM IntOnly Rate Adjusters Non-warrantable 0.25 Check out our Portfolio Product offering (0.250) (0.250) 2nd Home (0.625) (0.625) Conforming LA Non-warrantable Condos (1.000) (1.000) Conf LA & LTV>80% **Non-warr can have multiple non-warr features** (1.250) (1.250) Subordinate loan Resort Condos (1.500) (1.500) Cash-out Interest Only payment options (1.750) (1.750) Asset Depletion qualifying option ARM Parameters Up to $1,000,000 Loan Amounts FP51A - 30 Day FP51IO - 30 Day Index 1 YR LIBOR Margin 3.25 **ALL ADJUSTMENTS ARE TO THE RATE** Floor 3.25 CAPs 2/2/5

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6 Select Jumbo Fixed and ARMS Contacts Rates Effective 10:30am 10/22/2018 Fixed 30y Fixed 15y 5/1 ARM 7/1 ARM 10/1 ARM JSF30-30 Day JSF15-30 Day NSL51-30 Day NSL71-30 Day NSL10-30 Day Add'l periods Fixed / ARM ARM Info 5, 7, & Day Lock / Caps 2/2/ Day Lock / Margin Index 1 Yr LIBOR (0.272) Index today (0.091) (0.168) (0.520) (0.236) (0.542) (0.508) (0.765) (0.363) (0.707) (0.919) (0.798) (0.994) (0.663) (1.096) Extension Costs Relock: (1.275) (1.029) (1.191) (0.881) (1.383) 1st 2nd Subject to (1.636) (1.196) (1.357) (1.108) (1.654) 3 days.08 bps.12 bps market, (1.968) (1.330) (1.489) (1.325) (1.915) 7 days.15 bps.25 bps contact (1.533) (1.613) (1.506) (2.129) 14 days.30 bps.40 bps secondary LTV/CLTV/HCLTV* <= FICO (0.500) (0.250) (0.125) NA NA NA NA NA Other Adjusters Purchase (0.750) (0.625) (0.375) (0.125) NA No Escrow (0.750) (0.750) (0.625) (0.375) (0.250) NA (0.875) (0.875) (0.750) (0.625) (0.375) (0.125) NA *All pricing adjustments are determined by the (0.875) (0.875) (0.875) (0.750) (0.625) (0.500) (0.375) highest of LTV/CLTV/HCLTV >=780 (1.000) (0.875) (0.875) (0.875) (0.750) (0.625) (0.500) FICO (0.250) NA NA NA NA NA Rate/Term (0.500) (0.375) (0.125) NA (0.500) (0.500) (0.375) (0.125) NA (0.750) (0.625) (0.500) (0.375) (0.125) NA (0.750) (0.750) (0.625) (0.500) (0.375) (0.250) (0.125) >=780 (0.750) (0.750) (0.750) (0.625) (0.500) (0.375) (0.250) FICO (0.375) (0.250) NA NA NA Cash-Out (0.375) (0.375) (0.250) NA NA NA (0.625) (0.500) (0.375) (0.250) NA NA NA (0.625) (0.625) (0.500) (0.375) (0.250) NA NA NA >=780 (0.625) (0.625) (0.625) (0.500) (0.375) NA NA NA Loan Amt <=1,000, ,000,001-1,500, NA 1,500,001-2,000, NA NA 2,000,001-2,500, NA NA NA Pur/Prop 2 Unit NA NA NA 3-4 Units NA NA NA Second Home NA Investment NA NA NA Product 15 Yr Fxd (0.125) (0.250) (0.500) Max Price includes any LPC 5/1 ARM (0.375) (0.250) Max Price <=1,000,000 >1,000,000 7/1 ARM 10/1 ARM YR FRM State Adj. FL, NV YR FRM y Fixed - Non CA (0.375) (0.375) (0.375) (0.375) (0.375) (0.375) (0.375) (0.375) 10/1 ARM y Fixed - CA (0.250) (0.250) (0.250) (0.250) (0.250) (0.125) /1 ARM ARM - CA /1 ARM Premier Jumbo Fixed and ARMS Fixed 30y Fixed 15y 5/1 ARM 7/1 ARM 10/1 ARM NPF30-30 Day NPF15-30 Day NPA51-30 Day NPA71-30 Day NPA10-30 Day Add'l periods Fixed / ARM ARM Info 5, 7, & Day Lock / Caps 2/2/ (0.325) Day Lock / Margin (0.199) (0.357) (0.004) (0.689) (0.074) Index / 1yr Libo 1 Yr LIBOR (0.763) (0.749) (0.304) (1.054) (0.537) (1.299) (1.131) (0.594) (1.412) (0.958) Extension Costs Relock: (1.822) (1.506) (0.882) (1.762) (1.378) 1st 2nd Subject to (2.330) (1.871) (1.162) (2.103) (1.787) 3 days.08 bps.12 bps market, (2.820) (2.226) (1.433) (2.436) (2.189) 7 days.15 bps.25 bps contact (3.288) (2.567) (1.699) (2.757) (2.580) 14 days.30 bps.40 bps secondary (3.730) (2.894) (1.959) (3.064) (2.961) Max Price <=$1,000,000 >1,000, (4.141) (3.202) (2.210) (3.355) (3.327) Max 30 YR FRM (4.515) (3.487) (2.451) (3.627) (3.677) Price (4.889) (3.773) (2.681) (3.898) (4.007) 15 YR FRM Includes (5.263) (4.059) (2.898) (4.170) 10/1 ARM any (5.636) (4.344) (3.114) (4.441) 7/1 ARM LPC (6.010) (3.330) (4.713) 5/1 ARM LTV/CLTV/HCLTV* <= FICO (0.125) NA NA Other Adjusters Purchase (0.375) (0.125) No Escrow (0.500) (0.375) (0.125) (0.625) (0.500) (0.375) (0.250) (0.125) *All pricing adjustments are (0.625) (0.625) (0.500) (0.375) (0.250) (0.125) determined by the highest (0.625) (0.625) (0.625) (0.500) (0.375) (0.250) of LTV/CLTV/HCLTV >=780 (0.750) (0.625) (0.625) (0.625) (0.500) (0.375) (0.125) FICO NA NA Rate/Term (0.250) (0.375) (0.250) (0.375) (0.375) (0.250) (0.625) (0.500) (0.375) (0.250) (0.625) (0.500) (0.500) (0.375) (0.250) >=780 (0.625) (0.625) (0.500) (0.500) (0.375) (0.125) (0.125) FICO NA NA Cash-Out NA NA NA NA (0.125) NA NA (0.125) NA NA (0.250) (0.125) NA NA >=780 (0.250) (0.250) (0.125) NA NA Loan Amt <=1,000, ,000,001-1,500, NA NA 1,500,001-2,000, NA NA NA 2,000,001-2,500,000 NA NA NA NA NA NA NA NA NA Pur/Prop 2 units units NA NA NA 2nd Home NA NA Investment NA NA NA Non-Warr Condo NA NA Condo-Hotel NA NA State Adj. FL, NV Pg 5 of 6

7 Contacts Rates Effective 10:30 AM ######## Doctor Loan Program Fixed 30y Fixed 30y 7/1 ARM 7/1 ARM ARM Info Program Notes DLP30-30y Fixed DLP30SC - 30y Fixed DLP71-7/1 ARM DLP71SC - 7/1 ARM Conforming Balance Super-Conforming Bal Conforming Balance Super-Conf Bal Index 1 Yr LIBOR Standard Agency LLPAs apply Rate 30 day Rate 30 day Rate 30 day Rate 30 day Currently Follow Conv lock period and extension adj from page Caps 5/2/5 Must use LPA for AUS (FHLMC Loan Prospector Advisor) (0.085) Margin (0.375) (0.856) THE DOCTOR LOAN PROGRAM IS HERE! (0.998) (1.237) BENEFITS INCLUDE: (1.477) (0.176) RELIEF FROM STUDENT LOAN DEBT BEING INCLUDED IN THE DTI (1.651) (0.464) FUTURE INCOME INCLUDED IN DTI CALCULATION (1.879) (0.751) (2.092) (0.818) (0.013) (2.365) (2.657) (0.013) Price Adjusters Loan-To-Value (2.941) (0.421) LTV >>> <= (3.062) (0.681) LA $75k-$99, (3.467) (0.855) Condo (3.981) (1.064) Escrow Waiver N/A N/A N/A (4.172) (1.277) <=75% LTV - <=80% CLTV N/A N/A N/A (4.358) (1.485) LTV/CLTV % N/A N/A N/A N/A N/A N/A (4.381) (1.706) <=75% LTV % CLTV & < 720 FICO N/A N/A N/A N/A (4.471) (1.943) <= 75% LTV % CLTV & 720+ FICO N/A N/A N/A N/A (4.699) (1.967) >75% LTV % CLTV & < 720 FICO N/A N/A N/A (4.885) (2.363) >75% LTV % CLTV & 720+ FICO N/A N/A N/A (5.073) HIGH LTV N/A N/A N/A N/A N/A N/A (5.262) SuperConf ARMs N/A (5.323) PURCH or R/T >$ N/A (5.410) 740+ FICO (5.589) FICO (5.728) (5.739) (5.898) Conf & SuperConf Fixed Conf & SuperConf Arm's FL, GA, KY, LA, NC, ND, NE, OK, OR, PA, SC, VT TX Pg 6 of 6