*4.09% Annual Percentage Rate (APR) is the lowest rate available. Maximum annual percentage rate is 22%. The APR is based on the Wall Street Journal prime rate (the index) plus a margin. The Index as of December 17, 2008 is 3.25%. All loans are subject to credit approval. The APR and loan-to-value maximum is based upon credit underwriting. No application fee, initial annual fee, or closing costs up to $99,000. The loan is a ten-year term; with a maximum loan-to-value of 90%. Home Equity Lines of Credit have a $50 annual fee which is assessed on each anniversary. A $250 prepayment fee applies if the line is closed within 12 months of original note date. Minimum advance amount is $500. Balloon payment may be applicable at maturity. Interest rate will change on the 1st of the month. The APR quoted is effective June 1, 2010. Consult your tax advisor regarding the deductibility of interest. Extreme Green Checking Account** is required to receive the lowest possible rate. **4.09% Annual Percentage Yield (APY) paid on balances between $0.00 and $25,000, and 0.85% APY paid on all amounts above $25,000 each cycle the minimum requirements*** are met. If you do not meet the requirements during a given cycle, you will earn the Base Rate of 0.09% APY. Rates are accurate as of April 1, 2009. We may change the interest rate and APY at any time after the account is opened. No minimum balance required. Available to personal accounts only. No monthly service charge. If you do not meet the requirements per cycle***, your account will still function as a free checking account earning the Base Rate. ***Receive e-statements (e-mail address required). Have one (1) direct deposit or automatic payment. Post twelve (12) Visa debit card transactions.