Term of Mortgage	Posted Institution Rate	Our Rate Available	Recent Lows	+ or - from low	Lowest in 40 Years as dated	Rates from Sept 1989
1 Year	6.35%	4.35%	4.65 (05/26/08)	+1.25	3.10 (04/02/04)	12.50
2 Year	6.35%	5.35%	5.08 (02/01/06)	+1.98	3.37 (03/25/04)	12.00
3 Year	6.35%	5.34%	5.05 (02/01/06)	+1.59	3.75 (03/25/04)	11.50
4 Year	6.69%	5.45%	5.08 (02/01/06)	+1.34	4.11 (03/26/04)	11.50
5 Year	6.85%	5.39%	4.99 (05/26/08)	+1.04	4.35 (03/08/04)	11.50
5 Year - No Frills	N/A	5.24%	4.99 (05/26/08)	+0.89	4.35 (03/08/04)
7 Year	7.30%	6.20%	5.09 (01/25/06)	+1.50	4.65 (07/23/05)	11.25
8 Year	N/A	6.30%	5.05 (01/25/06)	+1.65	4.65 (07/23/05)
9 Year	N/A	6.60%	5.28 (01/25/06)	+1.76	4.84 (07/12/05)
10 Year	7.45%	6.40%	5.33 (01/25/06)	+1.50	4.90 (07/12/05)	11.50
15 Year	N/A	6.85%	5.58 (01/25/06)	+1.52	5.33 (06/08/05)
18 Year	N/A	6.85%	5.65 (01/25/06)	+1.46	5.39 (07/23/05)
25 Year	8.535%	6.95%	5.79 (01/25/06)	+1.46	5.49 (06/08/05)
Variable Rate	4.0%	5.0%	.79 (13/04/04)	+4.21	.79 (13/04/04)	12.75
Bank Prime Rate	4.0%	4.0%	4.50 (10/08/08)	+0.75	3.75 (2002/03)

STATISTICS Interest Rate and Housing
Lowest prime rate in last 5 years Average prime rate over the last 5 years Average prime rate (2007)	3.75% 5.02% 6.10%
Average 5 year posted mortgage rate over the last 5 years Average 5 year posted mortgage rate (2007)	6.49% 7.07%
Average monthly rent of a 2 bedroom apartment in Kingston (2007)	$856
Maximum mortgage amount using average monthly rent ($856) as monthly mortgage payment	$167,500
Approximate qualifying income for $175,000 mortgage	$42,500
Approximate qualifying income to purchase a property with a 5% down payment (based on Kingston's 2007 average sale price of $222,346)	$50,585
Approximate qualifying Income for $100,000 mortgage in 1989	$44,000
Average Residential Sale Prices in Kingston 1989 - $122,000 2000 - $116,380 2001 - $118,092 2002 - $130,654 2003 - $141,486 2004 - $159,018 2005 - $196,537 2006 - $212,097 2007 - $222,346