Effective Date: 7/2/2008

*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.

Effective Date: 10/30/2008

*Rates as of October 30, 2008 and subject to change. Variable APR based on The Wall Street Journal Prime Rate as of 10/30/08 (Prime currently 4.00%). Rate is adjusted monthly based on The Wall Street Journal Prime Rate. 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. If loan to value (LTV) exceeds 80% of assessed value,an appraisal fee may apply. Consult a tax advisor about the deductibility of interest. This rate is for NEW loans only. Certain restrictions apply. If loan is to close under the name of a trust, borrower(s) will be responsible for the fees associated with this transaction (approximately $251.00 to $479.00). Early termination fee may apply.