May 22, 2008

Dear Liberty Customer,

Enclosed you will find your yearly escrow analysis. Please review this information very carefully, paying special attention to the following:

Projections for the Coming Year are found on page 1. This explains the bills we are scheduled to pay on your behalf for the next 12 months. You may note an increase in your homeowners insurance or your property taxes. These projections show what your escrow payment will need to be to cover the bills being paid on your behalf. Please keep in mind we do not have any control over the changes in your property taxes or homeowners insurance premium. Note the last paragraph will explain if there is a shortfall or an overage of money in your escrow account. The 2^nd page will explain the new payment amount that will start with your July 1, 2008 payment. Any shortfall that shows in the “shortage amount “column has been spread over your next 12 payments. Your revised payment is reflected on page 2.

Account History found on page 3-this itemizes all of the bills that were paid on your behalf over the past 12 months, for property taxes, homeowners insurance and private mortgage insurance if applicable.

If your escrow account is short, you may elect to pay the shortfall in part or in full to Liberty Savings by June 10, 2008. If you pay the shortfall in part or in full, we will run a new escrow analysis and send that to you along with a new payment coupon book. If you do not pay the shortfall, the shortfall will be spread over the next 12 months. The new payment amount will start with July 1, 2008 payment.

If your payments are taken out of your checking/savings account, please remember this will start prior to July 1, 2008 so that we may satisfy in full your July 1 payment. If your payments are taken from your payroll, please contact your payroll department as soon as possible to get the payment amount changed so that your July 1 payment is made in full.

After you have reviewed this information, if you have any questions, please contact Terry Ballmann. Our local phone number is 320-252-2841 and our toll free phone number is 1-888-850-2265.

Sincerely yours,

Bradley D. Becker

Senior Vice President of Wholesale Operations

Liberty Savings Bank, fsb

Liberty Savings Bank, fsb Annual Escrow Account Disclosure

Wholesale Mortgage Servicing Statement-Projections for Coming year

111 7^th Ave South Analysis Period: 7/08 through 6/09

St. Cloud, MN 56301 Page 1

Joe Customer

Janet Customer

123 Main Street

St. Cloud, MN 56301

Account 444XXXX Current Date 04/27/08

Note 300 Next Payment Due 05/01/08

ESC# Escrow Item Annual Amt Monthly Amt Next Due Frequency

(01) Tax County 4,056.00 338.00 05/15/08 Irregular

(05) Insurance Co. 652.00 54.33 09/12/08 Annual

________ ______

Total Projected $4,708.00 $392.33

Required Low Balance $784.66

The following is an Estimate of Activity in your Escrow Account during the

Coming year based on Payments anticipated to be made from your account.

Month Payments To Payments from Escrow # Escrow Account Escrow Account Escrow Account Balance

Target Starting Balance as of 06/08…………………………………… 1,895.34

JUL 392.33 0.00 2,287.67

AUG 392.33 0.00 2,680.00

SEP 392.33 652.00 05 2,420.33

OCT 392.33 2,028.00 01 784.66

NOV 392.33 0.00 1,176.99

DEC 392.33 0.00 1,569.32

JAN 392.33 0.00 1,961.65

FEB 392.33 0.00 2,353.98

MAR 392.33 0.00 2,746.31

APR 392.33 0.00 3,138.64

MAY 392.33 2,028.00 01 1,502.97

JUN 392.33 0.00 1,895.30

________ _________

Total 4,707.96 4,708.00

Starting Balance Should Be: $1,895.34 To Meet Required Low

Escrow Balance: $1,743.07 Projected Thru End of 06/08

Shortage: $152.27

The Shortage in your Account will be spread over the next 12 payments

Starting 07/01/08 Shortage Adjustment (Shortage / 12): $12.69

Liberty Savings Bank, fsb Annual Escrow Account Disclosure

Wholesale Mortgage Servicing Statement-Projections for Coming year

111 7^th Ave South Analysis Period: 7/08 through 6/09

St. Cloud, MN 56301 Page 2

Joe Customer

Janet Customer

123 Main Street

St. Cloud, MN 56301

Account 444XXXX Current Date 04/27/08

Note 300 Next Payment Due 05/01/08

IMPACT OF ANALYSIS ON MONTHLY PAYMENT

Escrow Payment 392.33

Shortage Adjustment + 12.69

______

Revised Escrow Payment 405.02

Principal & Interest 1,116.25

________

***YOUR NEW PAYMENT COMMENCING 07/01/08 $1,521.27

Keep this statement for comparison with the Actual Activity in your account

at the end of the next escrow accounting computation year.

Liberty Savings Bank, fsb Annual Escrow Account Disclosure

Wholesale Mortgage Servicing Statement-Projections for Coming year

111 7^th Ave South Analysis Period: 7/08 through 6/09

St. Cloud, MN 56301 Page 3

Joe Customer

Janet Customer

123 Main Street

St. Cloud, MN 56301

Account 444XXXX Current Date 04/27/08

Note 300 Next Payment Due 05/01/08

ESC# Escrow Item

(01) Tax County

(05) Insurance Co.

The following is a Statement of Activity in your Escrow Account from 07/07 through 06/08.

Month Payments To Escrow Payments from Escrow Escrow Balance

Projected Actual Projected Esc # Actual Projected Actual

Starting Balance as of 06/07………………………………………….. N/A 209.05

JUL N/A 0.00 N/A 0.00 N/A 209.05

AUG N/A 0.00 N/A 0.00 N/A 209.05

SEP N/A 395.78 N/A 0.00

395.78 N/A 1,000.61

OCT N/A 0.00 N/A 0.00 N/A 1,000.61

NOV N/A 395.78 N/A 0.00 N/A 1,396.39

DEC N/A 395.78 N/A 0.00 N/A 1,792.17

JAN N/A 395.78 N/A 0.00 N/A 2,187.95

FEB N/A 0.00 N/A 0.00 N/A 2,187.95

MAR N/A 395.78 N/A 0.00 N/A 2,583.73

APR N/A 395.78 N/A 0.00 N/A 2,979.51 P

MAY N/A 395.78 P N/A 01 2,028.00 P N/A 1,347.29 P

JUN N/A 395.78 P N/A 0.00 N/A 1,743.07 P

_____ ________ _________ ________

Total 3,562.02 P 2,028.00 P

The Lowest Balance was: 209.05

* Indicates a Difference from a Previous Estimate either in the date or the amount.

P Indicates Projected activity to or from your escrow account.

For a further explanation, please call us.

PAYMENT INFORMATION FROM PAST YEAR

Escrow Payment 395.78

Principal & Interest + 1,116.25

_______

Total Payment $1,512.03