HOME EQUITY PROGRAM (b)

CreditFIXED RATE LOANVARIABLE
TierLTV%7 Years10 Years12 YearsCredit Line
A+90%5.00%5.35%5.59%4.75%
A85%5.00%5.35%5.59%4.75%
B80%5.10%5.45%5.65%4.75%
C80%5.40%5.60%5.85%4.75%
D,E80%5.60%5.85%6.10%4.75%

(b) $350 Non-Refundable Application Fee Required up to 90% Loan to Value Financing (LTV) $417,000 max 1st mortg loan. Minimum loan/line of credit $5,000; No annual fees. 31-day Rate Lock.

(ALL RATES ARE QUOTED IN APR ANNUAL PERCENTAGE RATE)