RESIDENTIAL MORTGAGE LOAN RATES

TYPE	TERM	RATE	APR	POINTS		Rate Lock
Conventional	15 Years**	4.625	4.690	0	Qualification required	45 days
Conventional	30 Years**	5.125	5.163	0	Qualification required	45 days
Conventional	30 Years	5.000	5.124	1.00	Qualification required	45 days
FHA	30 Years	5.125	5.369	0	Qualification required	45 days
VA	30 Years	5.250	5.524	0	Qualification required	45 days

APR based on $100,000 loan. Published Rates subject to change without notice. Some Restrictions may apply. First time home buyer program available.

**Reference Lending Page for example of payments.

 Rates for Residential Mortgage Loans effective as of 3/1/2010.

DEPOSIT RATES  TYPE MINIMUM APY  13-90 Day $2,500.00    .90 91 Day $2,500.00    .95 182 Day $1,000.00 1.22 12 Month $   500.00  1.51 18 Month  $   500.00  1.51 24 Month  $   500.00  2.02 Money Market $2,500.00    .70 Now Account  $1,000.00   .50  PassbookSavings**  $   100.00    .70

APY = Annual Percentage Yield.The minimum balance to open each account is shown and it is also the amount needed to obtain the stated APY. APY assumes interest will not be withdrawn - A penalty may be imposed for early withdrawal on Certificates of Deposit. Published Rates subject to change without notice. Fees may reduce earnings. Rates on Money Market Deposit Account, Now Account and Savings Account can change after the account is opened. ** Minimum deposit of $100.00. May receive Interest on any amount. Effective Date 03-09-2010 through 03-15-2010