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	� 2007Vantus Bank PO Box 897 Sioux City, IA 51102-0897 712-277-0200 1-800-352-4620

Terry Framke

Banking Center Manager

921 Iowa Avenue PO Box 237
Onawa, IA 51040-0237

Office: 712.423.1105 Fax:

712.423.1205
Loan Processor:

Tammy Harris 712.277.0358
Toll Free:

800.352.4620 Fax:

712.277.0348

Email: tframke@vantusbank.com

Business Hours: 8:00 a.m. - 5:00 p.m. Central Time Monday through Friday

Terry began employment with Vantus Bank in 1978. Terry has progressed through many areas such as customer service representative, consumer lender, commercial relationship manager, investment representative and banking center manager.

Terry is actively involved in the community. She serves as President of the Foundation Board for Burgess Health Center and Vice President of the Corporate Board of Burgess Health Center, and is a member of the Burgess Auxillary and Chamber Ambassador.

Key Benefits
	Still want to have personal assistance? You can call or e-mail one of our mortgage professionals to answer any of your questions or to ask for advice.
	Ready to close on your mortgage quickly? We can get your mortgage approved in minutes, rather than days or weeks!
	Free Pre-qualifications We offer free pre-qualifications, so you can shop for your home knowing that you can afford the mortgage.
	Confused about which program to choose? We offer a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages. We offer easy to understand explanations of each program on the site and a Loan Officer is always just a call or e-mail away!

Today's Featured Rates

30 Year Fixed Rate
Rate	APR	Points
5.625%	5.748%	0.000%
15 Year Fixed Rate
Rate	APR	Points
5.125%	5.330%	0.000%
10 Year Fixed Rate
Rate	APR	Points
5.000%	5.292%	0.000%
5 Year Adjustable Rate
Rate	APR	Points
5.125%	4.609%	0.000%

Assumptions