STUDENT LOANS

All interest rates are effective as of February 3, 2012.

*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 3.25% 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 3.25%. As of January 27, 2012, the APR based upon Prime Rate minus .25% is 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. Your minimum payments may not be sufficient to fully repay the principal that is outstanding on your line. If they are not, you will be required to pay the entire outstanding balance in a single payment.

**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 maximum APR is 18.00%. The APR is based upon The Wall Street Journal Prime Rate plus 2.75%. As of January 27, 2012, APR based upon Prime Rate plus 2.75% is 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. Your minimum payments may not be sufficient to fully repay the principal that is outstanding on your line. If they are not, you will be required to pay the entire outstanding balance in a single payment.