Subject: USAA Mortgage Rate Alert
From: "USAA" <[email-masked]>
To: <[email-masked]>
Date: Tue, 20 Dec 2011 21:00:33 -0600 (CST)

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: 4.125   Points: -0.250   APR: 4.127
Interest Rate: 3.875   Points: 0.750   APR: 3.957
Interest Rate: 3.625   Points: 3.125   APR: 3.904 

5-1 Adjustable Rate*:  
Interest Rate Years 1 - 5: 2.875   Interest Rate Year 6: 3.375   Points: 0.375   APR: 3.249
Interest Rate Years 1 - 5: 2.625   Interest Rate Year 6: 3.375   Points: 1.000   APR: 3.212

You may unsubscribe to or manage your alert preferences anytime on usaa.com.

Alert Preferences
https://www.usaa.com/inet/ent_messagecenter/EntAlerts?action=INIT&amp;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