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USAA Rate Alert

Dear Kathleen Biden,

Thank you for considering USAA for your mortgage loan needs. Here are
the current rates for your personalized mortgage quote(1), Mortgage Quote 1.

30-Year Fixed Rate:
Interest Rate: 4.500 Points: 0.000 APR: 4.520
Interest Rate: 4.250 Points: 1.125 APR: 4.365
Interest Rate: 4.000 Points: 2.000 APR: 4.188

5-1 Adjustable Rate*:
Interest Rate Years 1 - 5: 2.875 Interest Rate Year 6: 3.250 Points: 0.250 APR: 3.157
Interest Rate Years 1 - 5: 2.625 Interest Rate Year 6: 3.250 Points: 1.125 APR: 3.139

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Alert Preferences
https://www.usaa.com/inet/ent_messagecenter/EntAlerts?action=INIT&expandMortgageAlerts=true&EID=105284-0710_txt

The rates above are not locked and can change at any time without notice,
so apply today with a designated property and lock your rate. Keep in mind
that once your rate has been locked, you can no longer change it. You can
also view a complete list of our interest rates and points combinations by
visiting usaa.com.

Interest Rates
https://www.usaa.com/inet/ent_utils/McStaticPages?key=bank_mortgage_rates_view_all&EID=105284-0710_txt

Whether you're buying or refinancing, you can choose from fixed-rate,
adjustable-rate, jumbo and VA mortgages - all at low rates.

- Bigger savings: Our members save an average of $1,200 in points and fees(2).
- Pre-approval power: With your pre-approval, shop and negotiate with
confidence.
- On-time closing: If we're late closing your loan, you get $500 toward
closing costs(3).

Apply Now
https://www.usaa.com/inet/bk_re_mtg_apply/BkMtgApply?action=INIT&EID=105284-0710_txt

Thank you,
USAA Federal Savings Bank

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USAA Federal Savings Bank, Member FDIC, An equal housing lender.
10750 McDermott Freeway, San Antonio, Texas 78288-0544

(1)Interest rates are based on information you provided to Purchase a
Single Family Detached in Laporte County, Indiana with a loan amount of
$407,200.00 for a 30-Year Fixed Rate Loan and a purchase amount of
$509,000.00,
or a loan amount of $407,200.00 for a 5-1 Adjustable Rate Loan and a purchase amount of
$509,000.00.
The actual interest rate, points, and fees available to you will be based on
your credit history along with other factors and may be different than the rates
displayed here. (2)1,200 savings figure based on comparison of $200,000,
30-year fixed-rate loan. (3)Applies to conventional purchase loans only. *Estimates shown are based
on a Years 1 - 5 fixed-rate period. Rates are subject to annual adjustments
thereafter. Adjusted rate and payments for Year 6 are based on the fully
indexed rate, which is today's index plus a margin, and the actual adjustment
could be higher or lower subject to market conditions. See Mortgage Quote
or Monthly Payment Calculator on usaa.com to get detailed quotes and
calculate monthly payments.


105284-07