AĪ category of mortgages which have a risk potential that is greater than prime but less than subprime. The program provided 100 percent financing with no down payment requirement. This previously offered program consisted of a 95 percent loan-to-value first lien mortgage with a 5 percent deferred second mortgage. The borrower would pay the remaining 3 percent of the purchase price at closing. This previously offered program consisted of an 80 percent loan-to-value first mortgage and a 17 percent second mortgage that was deferred for the first five years of the 30-year mortgage term. Glossary of acronyms used in this report. Strategic, Business, Workforce & Succession Plans.Appeals Committee: Decisions and Precedential Decisions.Videos: Why Corporate Governance Matters.Diversity in the Management of Investments.Responsible Contractor Bidding Opportunities.Actuarial, Financial and Investor Information.Triennial Employer Health Benefits Survey.