Home Equity Line of Credit Rates Effective February 1, 2010 Loan to Value Credit Score Under 80% 81%-89% 90% and up 680 and up 5.00% 5.00% 5.25% 651-679 6.25% 6.75% 7.25% 600-650 8.25% 8.75% 9.25% Wall Street Prime as of 12/16/08 is 3.25%. This is a variable interest rate loan changes are January 1 and July 1. Your margin and rate is dependent on credit and loan to value. Payment is based on 1.25% of your outstanding balance. Maximum interest rate is 16%. There are no closing costs and no annual fees. If the loan is paid off in the first two years, there is a $300 prepayment penalty. This is for owner occupied Arizona properties only. 15 Year Fixed Rate Mortgage Effective February 1, 2010 Loan to Value Credit Score Under 80% 81%-89% 90% and up 680 and up 6.00% 6.50% 7.00% 651-679 7.25% 7.75% 8.25% 600-650 9.25% 9.75% 10.25% This is a fixed interest rate loan. Rate is dependent on credit and loan to value. The monthly payment for a $40,000 mortgage at 5.50% for 15 years is $324.46. This is for owner occupied Arizona properties only. * Rates are subject to change without notice and any mortgage rate quoted is not firm until it is locked in by writing.