Rates

Consumer Loan Rate Sheet

Effective date: February 17, 2010

AUTO RATES

Year	Rate/APR	Term

Add ¼% if not on automatic debit

HOME EQUITY LINE OF CREDIT

Loan Amounts	LTV	Rate	APR	Term	Documentation Prep. Fee

HOME IMPROVEMENT

(Fixed Rate - Fully Amortized)

Loan Amounts	LTV	Rate/APR	Term	* Equal Payments of P & I	Doc. Prep. Fee

HOME IMPROVEMENT

(Fixed Rate - Balloon)

Loan Amounts	LTV	Rate/APR	Term - Balloon	* Equal Payments of P & I and One Final Baloon Pymt	Doc. Prep. Fee

SAVINGS

3.00% Over CD or Savings rate, rate floor of 3.25%.
> Based on a loan amount of $5,000 with a 12 month CD rate at 5.23%, the payment would be $428.59 with an effective APR of 5.241%.

FULLY IMPROVED RESIDENTIAL LOTS

8.50%, closing Fee $1,000.00, maturity 1-3 years, amortization up to 20 years with 25% down.
Based on a loan amount of $75,000 at a rate of 8.50% over 3 years, 20 year amortization, the P & I would be $651.00 with an effective APR of 9.023%.

CONSTRUCTION LOANS

Prime + 2 ¾% floating, rate floor of 6.00%, closing Fee $2,000.00 plus $150.00 per inspection, with a maximum maturity of 12 months
Based on a loan amount of $225,000 at a rate of 6.00%, with a rate floor of 6.00%, over 12 months, the payment of interest only would be $1,146.69 with an effective APR of 8.360%.
ANY OWNER/GENERAL CONTRACTOR MUST BE APPROVED BY CHIEF LENDING OFFICER