RatesLoan RatesHome Equity Lines & LoansRates effective October 11, 2009

| Type | Term | APR * | Checking with Autopay APR as low as | Checking with Autopay and Direct Deposit APR as low as | | | 3 Year Balloon | Up to 80% LTV | 5.99% | 5.49% | 4.99% |  |  | | | 5 Year Balloon SPECIAL | Up to 80% LTV | 4.99% | 4.49% | 3.99% ($10,000 new money required) |  |  | | | 7 Year Balloon | Up to 80% LTV | 6.99% | 6.49 | 5.99% |  |  | | | 10 Year Balloon SPECIAL | Up to 80% LTV | | | 4.80% ($10,000 new money required) |  |  | | LTV= Loan to Value. Up to 30-year amortization. Minimum loan amount of $10,000 new money. Your rate is determined by your account relationship and credit score.
* APR is Annual Percentage Rate. Rates are subject to change. Your actual rate and term is determined by your account history and credit score.
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