Current Rates Mortgage Loan Rates Rates Effective as of 09/01/2010 Fixed Rate Mortgage Program Term Rate Pts APR Primary Residence (90% LTV) 15 Year 15 Year 15 Year 3.875% 3.625% 3.500% 0.0 1.0 2.0 3.94% 3.84% 3.86% 20 Year 20 Year 20 Year 4.375% 4.250% 4.125% 0.0 1.0 2.0 4.43% 4.42% 4.42% 30 Year 30 Year 30 Year 4.375% 4.250% 4.125% 0.0 1.0 2.0 4.42% 4.38% 4.33% Adjustable Rate Mortgage Term Rate APR Points Primary Residence (Fixed for 1 year) (Fixed for 3 years) (Fixed for 5 years) 30 Year 30 Year 30 Year 6.50% 6.99% 8.99% 6.64% 7.14% 9.16% 1 1 1 Primary Residence (Fixed for 1 year) (Fixed for 3 years) (Fixed for 5 years) 40 Year 40 Year 40 Year 6.50% 6.99% 8.99% 6.66% 7.14% 9.16% 1.5 1.5 1.5 Rental Property - Call For Rates - - - - Commercial - Call For Rates - - - - Vacant Land (75% LTV) (Fixed for 1 year) (Fixed for 3 years) (Fixed for 5 years) 10 Year 10 Year 10 Year 6.50% 6.99% 8.99% 6.64% 7.14% 9.16% 1 1 1 Home Equity Loans & Lines of Credit Rates Effective as of 08/20/2010 Type Term Rate APR Home Equity Loan (fixed for 5 years) (fixed for 10 years) (fixed for 15 years) 5 Year 10 Year 15 Year 9.99% 10.79% 10.99% 9.99% 10.79% 10.99% Adjustable Rate Home Equity Loan (3 Year Adjustable) (5 Year Adjustable) 15 Year 15 Year 8.99% 10.99% 8.99% 10.99% Adjustable Rate Home Equity Line of Credit 10 Year 5.000% 5.000% Commercial Lending Rates Effective as of 12/16/2008 Wall Street Journal Prime Rate: The Base Rate on Corporate Loans Posted by at least 75% of the Nations 30 Largest Banks. Most Commercial Loans are based on WSJ Prime Rate plus an incremental interest percentage based upon credit decision. 3.25% Auto Loan Rates Rates Effective as of 08/20/2010 Automobile Term Rate APR New (80% LTV) 36 months 48 months 60 months 9.25% 9.50% 10.00% 9.25% 9.50% 10.00% Used Black Book Loan Value Black Book Loan Value Black Book Loan Value 1-2 years old 3-4 years old 5 years old 12.00% 13.00% 13.50% 12.00% 13.00% 13.50% Loans Secured By Deposit Accounts / Share Loans Loans against Savings Accounts and Certificates of Deposit are made at 2% above the deposit interest rate. Call our LEND LINE at 410-392-LEND for related fees and charges. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE ON ALL LOAN TYPES Savings Rates Rates Effective as of 09/01/2010 Description Interest APY** 91 Day CD2,6 0.75.% 0.75% 6-month CD2,6 1.24% 1.25% 9-month CD2,6 1.24% 1.25% 1-year CD2,6 1.49% 1.50% 1-year Access CD4 1.00% 1.01% 1 1/2-year CD2,6 1.74% 1.75% 2-year CD2,6 1.98% 2.00% 2 1/2-year CD2,6 2.23% 2.25% 5-year CD2,6 2.72% 2.75% Treasury Saver 14 Month1, 2,6 .54% .54% IRA(18-month term/$100 min.)2,6 1.74% 1.75% IRA(60-month term/$100 min.)2,6 2.72% 2.75% Passbook Savings3 .50% .50% Statement Savings4 .50% .50% Holiday Savings Account5,6 1.25% 1.26% NOW Checking4,6 0.25% 0.25% NOW High Yield Checking4,6 1.49% 1.50% *NEW* Silver & Gold Checking4,6 0.75% 0.75% Money Market 4,6 Under $2,500 $2,500 and over 0.25% 0.50% 0.25% 0.50% Jumbo Money Market4,6 Under $2,500 $2,500 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 - $499,999.99 Over $500,000.00 0.25% 0.75% 1.00% 1.25% 1.50% 0.25% 0.75% 1.01% 1.26% 1.51% RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE ON ALL DEPOSIT TYPES *APR refers to Annual Percentage Rate based on simple interest. **APY refers to Annual Percentage Yield based on simple interest. 1 - Rate Changes first of each month. The account will pay interest based on the 6 month Treasury Bill as of the last auction day of the month plus a margin of 35 basis points. The yield quoted at the first on every month will remain for the remainder of that month. 2 - Interest will be compounded daily and will be credited monthly. A penalty may be imposed for withdrawals before maturity. Interest can be withdrawn any time during the term of crediting after it is credited to the account. 3 - Interest will be compounded daily and will be credited quarterly. Interest can be withdrawn any time during the term of crediting after it is credited to the account. 4 - Interest will be compounded daily and will be credited monthly. Interest can be withdrawn any time during the term of crediting after it is credited to the account. 5 - Interest will be compounded and credited annually. Interest can be withdrawn any time during the term of crediting after it is credited to the account. 6 - Fees could reduce earning on account.