Effective Date: 8/31/2010

*Annual percentage rates (APRs) shown are subject to change without notice. Your APR will vary based on your final loan amount and actual finance charge. Consult your tax advisor about deductibility. Adequate homeowners insurance coverage is a requirement of this loan. Flood insurance may be required. In some situations, an appraisal may be necessary to determine the value of the property. If an appraisal is required you will be responsible for those charges. The cost of an appraisal can vary from approximately $100 to $450. Primary residences or second homes only. Above rates reflect automatic debit of payment from an SSSB checking account. Rates would increase by .25 without automatic debit of payment. Subject to credit approval.

Effective Date: 8/31/2010

*Rates as of February 26, 2010 and subject to change. APR is fixed for the first 18 months; therafter variable APR becomes adjustable monthly based to The Wall Street Journal Prime Rate minus .50% with automatic deduction from an SSSB Checking Account, with a floor of 4.99% APR. If you don't have auto deduction from an SSSB checking account, after 18 months, the rate will adjust to The Wall Street Journal Prime Rate minus .25%, with a floor of 4.99% APR. Rate is subject to change after consummation. Maximum APR 18%. No annual fee. 1 - 4 family owner occupied properties only. Property insurance is required. Flood insurance may be required. Minimum loan amount $10,000. An appraisal fee ranging from $350 - $475 may apply. Consult a tax advisor about the deductibility of interest. This rate is for NEW loans only. Certain restrictions apply. Early termination fee of $475 may apply. Subject to credit approval