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Loan Participation Interest Rates: effective JANUARY 30, 2012

AIDEA’s funding rates are indexed and set by 3 AAC 99.350 (e)

a.  Fixed Rate:  The Federal Home Loan Bank of Seattle’s Fixed-Rate Advances Index that most closely matches the term of the loan  plus AIDEA’s allocable cost of operations; OR the five year return on the investment funds of the authority plus AIDEA’s allocable cost of operations; whichever is greater.

b. Variable Rate:  The Federal Home Loan Bank of Seattle’s Fixed-Rate Advances Index that most closely matches the time period of adjustment plus 200 basis points plus AIDEA’s allocable cost of operations; OR 475 basis points plus AIDEA’s allocable cost of operations; whichever is greater.

Fixed Rate Options

Variable Rate Options

Notes:

A.  Rates quoted are funding rates only for the week shown above.

B.  Funding rates for fixed interest rates are established at time of commitment by AIDEA and are
      good for up to 6 months on a buy/sell transaction and 1 year for new construction or
      rehab/remodel.

C.  Variable rates are adjusted quarterly (1/1, 4/1, 7/1, 10/1), semi-annually (1/1, 7/1) and annually
      (1/1). Payment is adjusted concurrent with rate change to maintain amortization.

D.  All funding rates shown above are taxable rates; tax exempt rates may be obtained by contacting
      AIDEA.

E.  Rates quoted are for internally funded loans. Rates may vary for loans funded by bond issuance.

For more information contact:

Chris Anderson, Deputy Director-Commercial Finance
Tel. 907.771.3030
Fax 907.771.3044
Email: canderson@aidea.org

Bill Phelan, Loan Officer
Tel. 907.771-3037
Fax 907.771.3044
Email: wphelan@aidea.org

Leona Hakala, Loan Officer
Tel. 907.771-3032
Fax 907.771.3044
Email: lhakala@aidea.org