Shares	Fees	Loans	Home Equity

HOME EQUITY LINE OF CREDIT
Effective Date: 02/01/2010

Interest Rate	5.25% APR (Prime Rate minus 1.00%)
Maximum Line Available	$200,000
Minimum Line	$ 10,000
Draw Period	10 years
Repayment Period	15 years

FIXED RATE MORTGAGES
Call for rates

HOME EQUITY FIXED RATE LOANS
Rates as low as 5.50% APR and up to 80% Loan to Value