"The residential mortgage industry is a very competitive market. As a commercial banker I know that a residential loan is viewed as a commodity in the marketplace. The only variables are price and service, but at the end of the day a mortgage is just a mortgage. Over the years I have worked with many residential brokers that have offered various levels of service. Their level of professionalism directly reflects on my name. When my clients are looking for a fast, easy solution to purchase or refinance a home, I send them to Rate1st.com. The service has been outstanding and my clients thank me. I would tend to think that this level of service comes at a cost, but the rates are extremely competitive and they have been able to find financing for the toughest borrowers."

- Ryan F
VP of Fortune 500 Business Bank

* * * * *

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First Security Bank of Idaho, National Association

119 North Ninth Street, Boise, ID 83702

Total Assets: $3,906,212,000

Total Deposits: $2,756,305,000

Insured Commercial Banks: Yes

Agricultural Lending Institution: Maybe

Credit Card Institutions: No

Bank Holding Company: No

Federal Reserve ID Number: 1

Asset Concentration Hierarchy:

FDIC Insured: Yes

FDIC Certificate #: 13791

FDIC Unique Number: 8623

Federal Charter: Yes

119 North Ninth Street
Boise, ID 83702

* Information deemed reliable, but not guaranteed. Data Source: FDIC

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