Loan Rates Effective Date: November 19th, 2008

	Rate/APR**	Points	Loan to Value %*	Max Term	Index	Caps
Conventional Real Estate Mortgages
1 Year ARM	6.25%	0 Res	85%	25 yrs	National Average	±2% ea. Adj.
1 Year ARM	8.25%	0 Rental	70%		Mtg. Contract Rate	Life: Max+6%, Min4%
3 Year ARM	6.50%	0 Res	85%	25 yrs	National Average	±3% ea. Adj.
3 Year ARM	8.50%	0 Rental	70%		Mtg. Contract Rate	Life: Max+6%, Min4%
5 Year ARM	7.00%	0 Res	85%	25 yrs	National Average	±3% ea. Adj.
5 Year ARM	9.00%	0 Rental	70%		Mtg. Contract Rate	Life: Max+6%, Min4%
Fixed Rate	7.25%	0 Res	85%	15 yrs	n/a	n/a
Fixed Rate	9.25%	0 Rental	70%	15 yrs	n/a	n/a
Fixed Rate	8.00%	0 Res	85%	20 yrs.	n/a	n/a
Fixed Rate	10.00%	0 Rental	70%	20 yrs.	n/a	n/a
Fixed Rate	8.50%	0 Res	85%	25 yrs	n/a	n/a
Fixed Rate	10.50%	0 Rental	70%	25 yrs	n/a	n/a
Home Equity Lines of Credit
HELC	%	0	85%	5 yr. Renewable	Prime+ 1.50	Life: Max+6%, Min4%
Passbook Certificate Notes
Demand	Index +2.50%	0	90%	On Demand	Your Deposit Rate	n/a
Consumer Loans
Home Improvement	9.00%	0 Sec	90%	10 yrs.	n/a	Max 20,000
Home Improvement	14.00%	0 Unsec	n/a	10 yrs.	n/a	Max 20,000
Auto - New	6.00%	0 Sec	90% of INV OR NADA RETAIL	6 yrs.	n/a	2009-2006
Auto - Used	7.00%	0 Sec	90% of INV OR NADA RETAIL	5 yrs.	n/a	05-03
Auto - Used	8.00%	0 Sec	90% of INV OR NADA RETAIL	4 yrs.	n/a	02-Older
Other	7.00%	0 Sec	90%	7-9 yrs.	n/a	Min 10,000
Other	7.25%	0 Sec	90%	10-12 yrs.	n/a	Min 15,000
Other	7.50%	0 Sec	90%	13-15 yrs	n/a	Min 20,000
Other	7.00%	0 Sec	90%	5/20 yrs.	n/a	Min 25,000
Other	13.00%	0 Unsec	n/a	5 yrs.	n/a	n/a

*Of appraised value or sale price, whichever is less.

**Annual percentage rate same as interest rate.

**Rate/APR will be determined by credit score. (see below).

Tier 1 (score 700 - above) see rates above

Tier 2 (score 650 - 699) add 1% to rates above

Tier 3 (score 649 - below) add 3% to rates above

(Joint applicants will be based on higher score.)

Closing Costs