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<meta name="GENERATOR" content="Microsoft FrontPage 3.0">
<title>Loan Rates</title>
</head>
<body bgcolor="#FFFFFF" link="#00FFFF" background="images/bg2.jpg">
<p align="center"><img src="images/stname.gif" WIDTH="400" HEIGHT="58"></p>
<p align="center"><img src="images/stan1.gif" WIDTH="350" HEIGHT="151"></p>
<div align="center"><center>
<table border="0" cellpadding="5" cellspacing="5" width="75%">
<tr>
<td align="center"><font color="#000080" size="6" face="Park Place"><strong>Consumer Loan
Rates**</strong></font></td>
</tr>
<tr>
<td align="center"><font color="#0000FF" size="2" face="Futura"><strong>All rates and
terms are accurate as of <!--webbot bot="Timestamp" s-type="EDITED" s-format="%B %d, %Y" startspan -->March 03, 1999<!--webbot bot="Timestamp" endspan i-checksum="17303" -->, and are subject to change without notice. Please call our Member Services Department
for a current quote. </strong></font></td>
</tr>
</table>
</center></div><div align="center"><center>
<table border="3" cellpadding="4" cellspacing="4" bordercolor="#000080" bordercolordark="#000080" bordercolorlight="#0000FF">
<tr>
<td align="center" bgcolor="#808080"><font color="#0080FF" size="2"><strong><img src="images/sta200.jpg" border="1" width="74" height="73"></strong></font></td>
<td align="center" bgcolor="#800000"><font color="#0080FF" size="2" face="Futura"><strong>TERM</strong></font></td>
<td align="center" bgcolor="#800000"><font color="#0080FF" size="2" face="Futura"><strong>Annual<br>
Percentage<br>
Rate</strong></font></td>
<td align="center" bgcolor="#800000"><font color="#0080FF" size="2" face="Futura"><strong>Maximum<br>
Percent<br>
Financed</strong></font></td>
<td align="center" bgcolor="#800000"><font color="#0080FF" size="2" face="Futura"><strong>Monthly
Payment *<br>
per $1,000</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><a href="loantypes.htm#New Auto Loans"><font size="2">View
Descriptions</font></a></td>
<td align="center" colspan="4" bgcolor="#008080"><a name="New Auto Loans"><font size="3" face="Futura"><strong>New Auto Loans</strong></font></a></td>
</tr>
<tr>
<td align="center" rowspan="4" bgcolor="#808080"><font color="#0080FF" size="2"><strong><img src="images/sta200.jpg" border="1" width="74" height="73"></strong></font></td>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>60
Months</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>6.49%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>95%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$19.56</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>48
Months</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>6.49%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>95%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$23.71</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>36
Months</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>6.49%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>95%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$30.64</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>24
Months</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>6.49%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>95%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$45.11</strong></font></td>
</tr>
<tr>
<td bgcolor="#008080"><a href="loantypes.htm#Used Auto Loans"><font size="2">View
Descriptions</font></a></td>
<td align="center" colspan="4" bgcolor="#008080"><a name="Used Auto Loans"><font size="3" face="Futura"><strong>Used Auto Loans</strong></font></a></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font size="2" face="Futura"><strong>1999</strong></font></td>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>60
Months</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>6.49%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>90%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$19.56</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font size="2" face="Futura"><strong>1998</strong></font></td>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>60
Months</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>6.49%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>90%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$19.56</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font size="2" face="Futura"><strong>1997</strong></font></td>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>60
Months</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>6.49%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>90%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$19.56</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>1996</strong></font></td>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>48
Months</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>6.49%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>90%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$23.71</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>1995</strong></font></td>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>48
Months</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>6.49%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>90%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$23.71</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>1994</strong></font></td>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>48
Months</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>6.49%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>90%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$23.71</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>1993</strong></font></td>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>36
Months</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>6.49%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>90%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$30.64</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>1992</strong></font></td>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>36
Months</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>6.49%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>90%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$30.64</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><a href="loantypes.htm#New Motorcycle Loans"><font size="2">View Description</font></a></td>
<td align="center" colspan="4" bgcolor="#008080"><a name="New Motorcycle"><font size="3" face="Futura"><strong>New Motorcycle</strong></font></a></td>
</tr>
<tr>
<td align="center" bgcolor="#808080">&nbsp;</td>
<td align="center" bgcolor="#008080"><font size="2"><strong>36 Months</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2"><strong>10.00%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2"><strong>80%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2"><strong>$32.27</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><a href="loantypes.htm#Personal Loans"><font size="2">View
Descriptions</font></a></td>
<td align="center" colspan="4" bgcolor="#008080"><a name="Personal Loans"><font size="3" face="Futura"><strong>Personal Loans</strong></font></a></td>
</tr>
<tr>
<td align="center" rowspan="3" bgcolor="#808080" bordercolor="#000080"><font size="2"><strong><img src="images/sta200.jpg" border="1" width="72" height="71"></strong></font></td>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>12
Months</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>12.00%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>N/A</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$88.84</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>24
Months</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>12.00%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>N/A</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$47.04</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>36
Months</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>12.00%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>N/A</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$33.21</strong></font></td>
</tr>
<tr>
<td bgcolor="#008080"><a href="loantypes.htm#Consumer Loans"><font size="2">View
Descriptions</font></a></td>
<td align="center" colspan="4" bgcolor="#008080"><a name="Consumer Loans"><font face="Futura"><strong>Consumer Loans</strong></font></a></td>
</tr>
<tr>
<td align="center" rowspan="3" bgcolor="#808080"><font size="2"><strong><img src="images/sta200.jpg" border="1" width="72" height="71"></strong></font></td>
<td bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>12 Months</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>11.00%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>N/A</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$88.37</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>24
Months</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>11.00%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>N/A</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$46.60</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>36
Months</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>11.00%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>N/A</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$32.73</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><a href="loantypes.htm#Share Loans"><font size="2">View
Descriptions</font></a></td>
<td align="center" colspan="4" bgcolor="#008080"><a name="Share Loans"><font size="3" face="Futura"><strong>Share Loans</strong></font></a></td>
</tr>
<tr>
<td align="center" bgcolor="#808080">&nbsp;</td>
<td align="center" bgcolor="#008080"><font size="2" face="Futura"><strong>48 Months</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>5.50%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>90%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$23.26</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><a href="loantypes.htm#Share Loans"><font size="2">View
Descriptions</font></a></td>
<td align="center" colspan="4" bgcolor="#008080"><a name="Term Share Loans"><font size="3" face="Futura"><strong>Term Share Loans</strong></font></a></td>
</tr>
<tr>
<td align="center" bgcolor="#808080">&nbsp;</td>
<td align="center" bgcolor="#008080"><font size="2" face="Futura"><strong>48 Months</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>3%
over rate</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>90%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>Varies</strong></font></td>
</tr>
</table>
</center></div>
<p align="center">&nbsp;</p>
<p align="center"><a name="Home Equity Loans"><font color="#000080" size="6" face="Park Place"><strong>Home Equity Loans** '</strong></font></a></p>
<div align="center"><center>
<table border="3" cellpadding="4" cellspacing="4" bordercolor="#000080" bordercolordark="#000080" bordercolorlight="#0000FF">
<tr>
<td align="center" bgcolor="#808080" bordercolor="#000080" bordercolordark="#000080" bordercolorlight="#000080"><font color="#0080FF" size="2"><strong><img src="images/sta200.jpg" border="1" width="73" height="72"></strong></font></td>
<td align="center" bgcolor="#800000"><font color="#0080FF" size="2" face="Futura"><strong>TERM</strong></font></td>
<td align="center" bgcolor="#800000"><font color="#0080FF" size="2" face="Futura"><strong>RATE</strong></font></td>
<td align="center" bgcolor="#800000"><font color="#0080FF" size="2" face="Futura"><strong>Maximum<br>
Percent<br>
Financed</strong></font></td>
<td align="center" bgcolor="#800000"><font color="#0080FF" size="2" face="Futura"><strong>Monthly
Pymnt *<br>
per $1,000</strong></font></td>
<td align="center" bgcolor="#800000"><font color="#0080FF" size="2" face="Futura"><strong>Annual<br>
Percentage<br>
Rate</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><a href="heloc.htm#HOME EQUITY LOAN"><font size="2">View
Descriptions</font></a></td>
<td align="center" colspan="5" bgcolor="#008080">&nbsp;</td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>0
Pts</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>5
Years</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>7.25%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>80%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$19.92</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>7.25%</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>0
Pts</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>10
Year</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>8.00%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>80%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$12.13</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>8.00%</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>0
Pts</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>15
Year</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>8.50%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>80%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$9.85</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>8.50%</strong></font></td>
</tr>
</table>
</center></div>
<p align="center">&nbsp;</p>
<p align="center"><a name="HELOC"><font color="#000080" size="6" face="Park Place"><strong>Home
Equity Line of Credit** '</strong></font></a></p>
<div align="center"><center>
<table border="3" cellpadding="4" cellspacing="4" bordercolor="#000080" bordercolordark="#000080" bordercolorlight="#0000FF">
<tr>
<td align="center" bgcolor="#808080" bordercolor="#000080" bordercolordark="#000080" bordercolorlight="#000080"><font color="#0080FF" size="2"><strong><img src="images/sta200.jpg" border="1" width="73" height="72"></strong></font></td>
<td align="center" bgcolor="#800000"><font color="#0080FF" size="2" face="Futura"><strong>TERM</strong></font></td>
<td align="center" bgcolor="#800000"><font color="#0080FF" size="2" face="Futura"><strong>RATE</strong></font></td>
<td align="center" bgcolor="#800000"><font color="#0080FF" size="2" face="Futura"><strong>Maximum<br>
Percent<br>
Financed</strong></font></td>
<td align="center" bgcolor="#800000"><font color="#0080FF" size="2" face="Futura"><strong>Monthly
Pymnt *<br>
per $1,000</strong></font></td>
<td align="center" bgcolor="#800000"><font color="#0080FF" size="2" face="Futura"><strong>Annual<br>
Percentage<br>
Rate</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><a href="heloc.htm#HOME EQUITY LINE OF CREDIT"><font size="2">View Descriptions</font></a></td>
<td align="center" colspan="5" bgcolor="#008080"><font size="3" face="Futura">PRIME PLUS
ZERO</font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>0
Pts</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>30
Years</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>7.75%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>80%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$16.46</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>7.75%</strong></font></td>
</tr>
</table>
</center></div>
<p align="center">&nbsp;</p>
<p align="center"><a name="Mortgage Rates**"><font color="#000080" size="6" face="Park Place"><strong>Mortgage Rates**</strong></font></a></p>
<div align="center"><center>
<table border="3" cellpadding="4" cellspacing="4" bordercolor="#000080" bordercolordark="#000080" bordercolorlight="#0000FF">
<tr>
<td align="center" bgcolor="#808080"><font color="#0080FF" size="2"><strong><img src="images/sta200.jpg" border="1" width="73" height="72"></strong></font></td>
<td align="center" bgcolor="#800000"><font color="#0080FF" size="2" face="Futura"><strong>TERM</strong></font></td>
<td align="center" bgcolor="#800000"><font color="#0080FF" size="2" face="Futura"><strong>RATE</strong></font></td>
<td align="center" bgcolor="#800000"><font color="#0080FF" size="2" face="Futura"><strong>Maximum<br>
Percent<br>
Financed</strong></font></td>
<td align="center" bgcolor="#800000"><font color="#0080FF" size="2" face="Futura"><strong>Monthly
Pymnt *<br>
per $1,000</strong></font></td>
<td align="center" bgcolor="#800000"><font color="#0080FF" size="2" face="Futura"><strong>Annual<br>
Percentage<br>
Rate</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><a href="loantypes.htm#Mortgage Loans"><font size="2">View
Descriptions</font></a></td>
<td align="center" colspan="5" bgcolor="#008080"><font size="3" face="Futura">FIXED RATE</font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>0
Pts</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>30
Years</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>7.25%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>80%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$6.82</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>7.25%</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>0
Pts</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>15
Years</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>6.875%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>80%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$8.92</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>6.875%</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>1
Pt</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>30
Years</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>6.875%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>80%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$6.40</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>6.974%</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>1
Pt</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>15
Years</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>6.375%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>80%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$8.64</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>6.534%</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>2
Pt</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>30
Years</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>6.625%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>80%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$6.40</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>6.695%</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>2
Pt</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>15
Years</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>6.125%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>80%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$8.51</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>6.443%</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><a href="loantypes.htm#Mortgage Loans"><font size="2">View
Descriptions</font></a></td>
<td align="center" colspan="5" bgcolor="#008080"><font size="3" face="Futura">3 YEAR
ADJUSTABLE</font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>0
Pt</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>30
Years</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>6.50%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>80%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$6.32</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>6.500%</strong></font></td>
</tr>
<tr>
<td align="center" bgcolor="#008080"><font color="#000000" size="2" face="Futura"><strong>1
Pt</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>30
Years</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>6.375%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>80%</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>$6.24</strong></font></td>
<td align="center" bgcolor="#C0C0C0"><font color="#0000FF" size="2" face="Futura"><strong>9.593%</strong></font></td>
</tr>
</table>
</center></div>
<p align="center"><font size="1"><strong>* Based on a thirty day month, Life and
Disability Insurance available<br>
** Membership Required<br>
' Home Equity Loans subject to special terms - click on &quot;view descriptions&quot;
above for details</strong></font></p>
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