• Note:
• Rates effective May 7, 2008.
• All in-house mortgage loans require a 20% down payment, except land loans which require a 35% down payment..
• Rates are subject to change without notice, and may change daily.
• For all ARM loans, the APR may increase after the loan closes.
• For complete details on any of our loan products, contact our Loan Department for assistance.
• For current rate information, call (603) 536-0001.
  Rates may differ subject to meeting the bank's underwriting standards.

  Consumer Loan Rates	Term (months)	Down Payment	Interest Rate	APR*	Monthly Repayment Per $1000**
  Auto, Motorcycles - New (2008)	60	0%	6.90%	7.95%	$20.25
  Motor Homes - New (2008)	60	0%	7.90%	8.96%	$20.74
  Auto, Motorcycles - Used (2007 - 2004)	60	0%	7.90%	8.96%	$20.74
  Auto, Motorcycles - Used (2003-2001)	48	0%	8.90%	10.20%	$25.46
  Auto , Motorcycles- Used (2000 - 1994)	36	0%	10.90%	12.62%	$33.50
  Motor Homes - Used (2007 - 2004)	60	0%	8.90%	9.965%	$21.13
  Motor Homes - Used (2003-2001)	48	0%	9.90%	11.21%	$25.94
  Motor Homes - Used (2000-1994)	36	0%	11.90%	13.63%	$33.99
  New ATVs, Boats, Camper Trailers, Snow Machines	60	0%	8.90%	10.60%	$32.54
  Used ATVs, Boats, Camper Trailers, Snow Machines	48	0%	10.90%	12.22%	$26.44
  Unsecured Loans   ($10,000.00 max)	48	NA	15.50%	16.86%	$28.78
  Home Improvement Loan	60	NA	9.90%	10.98%	$21.73
  Secured Loans:     Passbook Savings     Certificate of Deposit     Stock     Other Collateral	Rates and terms vary depending on collateral

  
  
  

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  Mortgage Rates	Rate	Pts (%)	APR*	Caps	Max # Months Repayment	Monthly Repayment Per $1000**
  5/1 ARM§***	6.125%	2.00%	5.54%	2\6	360	$6.08
  Residential - 25 Year Bi-Weekly§§	7.00%	2.00%	7.24%	N/A	300	$3.53
  Residential *** Fixed Rate	6.75% 7.25%	2.00% 0	7.07% 7.25%	N/A N/A	180 180	$8.85 $9.13
  Home Equity Line of Credit§§§	Call for current terms and rates
  Construction	Call for current terms and rates
  Land	Call for current terms and rates
  Mobile Home (Own Land) - 1997 or Older - 3 ARM	7.000%	2.00%	7.26%	2\6	240	$7.75
  Mobile Home - New 1 ARM-In Park	5.875%	2.00%	6.12%	2\6	240	$7.09
  Mobile Home - Used 1 ARM-In Park	6.875%	2.00%	7.20%	2\6	180	$8.92
  Single Wide (Own Land)1998 or Newer Fixed Rate	7.750% 8.25%	2.00% 0	8.08% 8.25%	N/A N/A	180 180	$9.41 $9.70
  Single Wide (Own Land) 1998 or Newer - 5/1 ARM§	7.125%	2.00%	6.96%	2/6	180	$9.06

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  Fixed  Rates	Rate	Pts (%)	APR*	Max LTV	Max # Months Repayment	Monthly Repayment Per $1000**
  15 Year Fixed	5.375%	2%	5.677%	95%	180	$8.10
  	5.625%	1%	5.786%	95%	180	$8.24
  	6.000%	0%	6.000%	95%	180	$8.44
  20 Year Fixed
  	Call for current terms and rates
  30 Year Fixed	5.750%	2%	5.943%	95%	360	$5.84
  	6.000%	1%	6.101%	95%	360	$6.00
  	6.375%	0%	6.375%	95%	360	$6.24

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Legend:

*APR = Annual Percentage Rate
^** Based on maximum term

***Includes all new used double-wide mobile homes up to 10 years old

       All  new single-wide mobile homes
^§ APR is discounted during the initial 60-month period
^§§ Bi-weekly payments
^§§§ Ten year draw period followed by a ten year repayment period

Note:

• Rates effective May 7, 2008.
• All in-house mortgage loans require a 20% down payment, except land loans which require a 35% down payment..
• Rates are subject to change without notice, and may change daily.
• For all ARM loans, the APR may increase after the loan closes.
• For complete details on any of our loan products, contact our Loan Department for assistance.
• For current rate information, call (603) 536-0001.