Home Equity & Improvement

Home Equity Line Of Credit

80% LTV⁴ of TX Residence	APR³
60 months to draw + 120 months to repay	10.25%

Home Equity Loan

80% LTV⁴ of TX Residence	Monthly Payment^- (per $1000)	Rate^-	APR²
48 months	$23.15	5.25%	5.26%
60 months	$19.11	5.50%	5.99%
120 months	$11.36	6.50%	6.77%
240 months	$7.46	6.50%	6.65%

Home Improvement Loan

90% LTV⁴ of TX Residence	Monthly Payment^- (per $1000)	Rate^-	APR²
60 months ($5,000-$24,999)	$20.28	8.00%	8.02%
120 months ($25,000 or more)	$12.68	9.00%	9.02%

² APR = Annual Percentage Rate effective on February 6, 2008, and subject to change at any time without notice. APR based on evaluation of applicant’s credit. Your actual APR may vary.

³ APR = Annual Percentage Rate. The Home Equity Line of Credit is a variable rate loan indexed to the Wall Street Journal Prime Rate plus 3%, as published on www.bankrate.com on the last day of June and December of each year. The variable rate will be rounded to the next .125%. As of December 31, 2007, the prime rate was 7.25%. The APR on variable rate lines may increase or decrease on a semi-annual basis as disclosed in your agreement with us, not to go below an annual percentage rate of 3.00% or exceed an annual percentage rate of 18%. Changes to the rate will not be more than 1% in any 12-month period. Rates and terms are subject to change without prior notice; other restrictions may apply.

⁴ LTV = Loan-To-Value Ratio.

For updated information, inquire at any branch office or contact 210.673.5610.