STUDENT LOANS

All rates are effective as of July 29, 2010.

*No down payment is required for this type of line. The APR is variable and may increase or decrease monthly on the billing date. The minimum APR is 4.00% and the maximum is 18.00%. The APR is based upon The Wall Street Journal Prime Rate minus .25%, but will never be lower than 4.00%. As of July 20, 2009, APR based upon Prime Rate minus .25% was 3.00%. The interest rate for your line is based upon your creditworthiness. The credit line amount may vary from $5,000 to $300,000. The credit line amount depends upon the appraised value and/or equity in your collateral, which may be your home or liquid collateral you own, such as CDs, stocks, bonds, savings or life insurance. When secured by your home, the line is subject to fees such as those for filing, flood certification, lien search and/or appraisal, and property insurance is required. A processing fee of $125 applies.

**No down payment or collateral is required for this type of line. The APR is variable and may increase or decrease monthly on the billing date. The minimum APR is 4.00% and the maximum is 18.00%. The APR is based upon The Wall Street Journal Prime Rate plus 2.75%, but will never be lower than 4.00%. As of July 20, 2009, APR based upon Prime Rate plus 2.75% was 6.00%. The interest rate for your line is based upon your creditworthiness. The credit line amount may vary from $2,500 to $50,000. A processing fee of $125 applies.