Home Equity Loan*

Term APR Monthly Payment
per $1,000 Borrowed
1-60 Month 5.49% $19.20
61-120 Month 6.24% $11.30
121-180 Month 6.49% $8.76

*Annual Percentage Rate (APR) will not be less than 5.49% or greater than 7.99%. The interest rate you receive will be based on your credit history. Make 60 payments of $19.20 per $1,000 borrowed at 5.49% APR. Increase of 1/2% in rate on Loan-to-Value (LTV) from 80.01% to 90%. Hazard Insurance is required. For loans over $100,000, Title Insurance is required. Low, all services fee of $95. Terms and rates subject to change without notice.

Home Equity Line of Credit**

5% Variable APR
Home Equity Line Amounts
Monthly Payment
Examples
$10,000 $106.00
$20,000 $212.00
$30,000 $237.10

**APR=Annual Percentage Rate. Home Equity Line of Credit is subject to a Variable Rate which is based on the highest Prime Rate as published in the Wall Street Journal and will be the rate 10 days prior to the first day of each calendar quarter of each year. Rate will never be less than 3.00% nor greater than 18.00%. APR = Prime Rate + 0.00% Margin. Rates accurate as of April 30, 2008. APR applies to Loan-to-Value (LTV) less than or equal to 90%. Hazard Insurance is required. For loans over $100,000, Title Insurance is required. Low, all services fee of $95. Terms and rates subject to change without notice.

National Credit Union Administration