Loan Rates

Commercial | Real Estate | New Mobile Homes | New Car | Unsecured | Credit Cards

COMMERCIAL LOANS*		*Annual Percentage Rate
Floating Rates	Terms
Real Estate	15 yrs / 3yr Balloon	Prime Rate + 0.25%
Equipment	7 yrs / 3yr Balloon	Prime Rate + 0.75%


Fixed Rates	Terms	1 yr	2 yrs	3 yrs	5 yrs
Real Estate	15 yrs / 3yr Balloon	5.75%	6.00%	6.25%	N/A
Equipment	7 yrs / 3yr Balloon	6.50%	6.75%	7.00%	N/A

Construction

Spec	9 months	6.00%
Pre-sold	9 months	6.00%
EFFECTIVE DATE 03/25/2008 PRIME RATE = 5.25% * Annual Percentage Rate based on automatic payment plan, deposit relationship, and credit score. All commercial loans carry a One Percent (1%) Origination Fee on the amount borrowed SPEC = Built for re-sale PRE-SOLD = Built for owner to be owner occupied

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REAL ESTATE LOANS
	Terms	*Annual Percentage Rate
1st Mortgage	15 yrs / 3yr Balloon	6.00%
2nd Mortgage	15 yrs / 3yr Balloon	6.25%
Unimproved property	15 yrs / 3yr Balloon	6.25%

Construction
Owner Self Contract	9 months	6.25%

EFFECTIVE DATE 03/25/2008 *A.P.R. Based on automatic payment plan, deposit relationship, and credit score. All Real Estate Loans Carry a One Percent (1%) Origination Fee on the amount borrowed.

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NEW MOBILE HOMES
	Term	*Annual Percentage Rate
W / Real Estate Mort	15 yrs / 3yr Balloon	6.10%
W / O Real Estate Mort $5,000 to $35,000	15 yrs / 3yr Balloon	6.00%
W / O Real Estate Mort Over $35,000	15 yrs / 3yr Balloon	6.00%
Used 1 to 7 yrs Old	10 yrs / 3yr Balloon	6.25%
EFFECTIVE DATE 03/25/2008 *A.P.R. Based on automatic payment plan, deposit relationship, and credit score. All Mobile Home l.oans Carry a One Percent (1%) Origination Fee on the amount borrowed. 20% Equity Required

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AUTO / LIGHT TRUCK / RV
	Term	Equity	*Annual Percentage Rate
New & Current Year used	60 mos	20%	6.00%
1 yr old	54 mos	20%	6.50%
2 yrs old	48 mos	20%	7.00%
3 yrs old and over	36 mos	20%	8.00%

EFFECTIVE DATE 02/05/2008 *A.P.R. Based on automatic payment plan, deposit relationship, and credit score. 20% Equity Required

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UNSECURED LOANS
Amount	Maximum Term	*Annual Percentage Rate
Up To $2,000	18 months	6.00%
$2,001 and up	36 months	6.25%

EFFECTIVE DATE 03/25/2008 *A.P.R. Based on automatic payment plan, deposit relationship, and credit score. Terms Apply For Monthly Payment and Single Payment Loans

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CREDIT CARDS
Visa & MasterCard
Annual Percentage Rate for Purchases	15.84% A.P.R.*
Grace Period For Repayment of the Balance for Purchases	25 DAYS
Method Of Computing The Balance For Purchases	Average Daily Balance
Minimum Periodic Payment Required	$10.00
Late Payment Fee	Greater of 5% of the amount Past due or $10.00
Over limit Charges	$10.00
Cash Advance Service Charges	4% Max: $20.00
Maximum outstanding aggregate cash advance limit	20% of Credit Line
Membership Fee	$12.00
International Transaction Fee	1%

Visa Gold & MasterCard Gold
Annual Percentage Rate for Purchases	12.48% A.P.R.*
Grace Period For Repayment of the Balance for Purchases	25 DAYS
Method Of Computing The Balance For Purchases	Average Daily Balance
Minimum Periodic Payment Required	$10.00
Late Payment Fee	Greater of 5% of the Amount Past Due or $10.00
Over limit Charges	$10.00
Cash Advance Service Charges	4% Max: $20.00
Maximum outstanding aggregate cash advance limit	20% of Credit Line
Membership Fee	$20.00
International Transaction Fee	1%
*Annual Percentage Rate EFFECTIVE DATE 10/24/2006

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