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Provident Bank
3756 Central Avenue
Riverside, CA 92506
Phone:  (951) 686-6060






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Loan and APR Information for programs on Today’s Conforming Rates As of : September 3rd, 2010
30-Year Fixed 15-Year Fixed 5-Year Fixed to 1-Year ARM
Interest Rate 4.250% 3.750% 3.500%
Total Points 0.625% -0.000% -0.000%
APR 4.334% 3.797% 3.282%
Payment Term 30 YEARS 15 YEARS 5 YEARS
Estimated Additional Prepaid Finance Charges $1,349.00 $1,349.00 $1,349.00
Loan Amount $417,000.00 $417,000.00 $417,000.00
Monthly Principal & Interest Payment $2,051.39 $3,032.52 $1,872.52
Period to First Interest Rate Adjustment N/A N/A 5 YEARS
Maximum Lifetime Caps – Over Original Rate N/A N/A 5.000%
Index as of September 3rd, 2010 N/A N/A 0.839%
Margin N/A N/A 2.250%
Fully-Indexed Rate (Index plus margin) * N/A N/A 3.125%
Payment at Fully-Indexed Rate N/A N/A $1,798.14
Maximum Interest Rate N/A N/A 8.500%
Payment at Maximum Interest Rate N/A N/A $3,011.84
* rounded to nearest 1/8 percent. 
 
Adjustable Rate Mortgages(ARM)the new interest rate at adjustment will be the average interbank offered rates for the One Year U.S. Dollar denominated deposits in the Loan Market (LIBOR)as published in the Wall Street Journal, plus a margin of 2.250% subject to annual and lifetime adjustment caps.
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