Current Loan Rates Effective 03/10/2010
Loan Type	Combined Loan To Value (CLTV)	Term	Rate	Points	APR
Fixed Second Mortgage¹	up to 80% CLTV	20 year fixed	7.000%	0	7.000%

Fixed Biweekly Second Mortgage¹	up to 80% CLTV	20 year fixed	7.000%	0	6.981%

Home Equity Line of Credit^{1 & 2}	up to 80% CLTV		4.000%	0	N/A

Home Equity Line of Credit Flex Equity 3^{1 & 3}	up to 80% CLTV		4.500%	0	N/A

¹ Interest rate based on the combined loan to value (CLTV).
Financing available up to 80%; Certain credit restrictions may apply.
NO CLOSING COSTS on Home Equity loans when you borrow $10,000 or more upon loan closing. Except the pre paid interest on fixed home equity loans. Home Equity Loans are available up to $500,000.
Title insurance costs for loans in excess of $250,000 paid by member.

² Variable rate; Tied to the Wall Street Journal Prime Lending Rate plus a margin, if applicable; however, under no circumstances will the annual percentage rate go below 4.00% for the term of the loan. The margin is determined by the CLTV at the time of closing; Adjusts monthly; Maximum cap 18% APR. Payment options available are percentage of outstanding balance or interest only.

³ Fixed rate for first 3 years then monthly rate adjustments tied to the Wall Street Journal Prime Lending Rate plus a margin, if applicable; however, under no circumstances will the annual percentage rate go below 4.00% for the term of the loan. The margin is determined by the CLTV at the time of closing. Maximum cap 18% APR. Payment option available is percentage of outstanding balance.