Home Equity Rates

All home equity rates disclosed as an Annual Percentage Rate (APR).
All home equity rates effective date Monday, August 17, 2009.
Rates subject to change. Refinances valid only on loans originally financed through other institutions or sources.

Home Equity Line-of-Credit (Valid on Missouri and Illinois property only)
Plan II Rate can change quarterly. Caps: 1% per quarter Index: Wall Street Prime + 0.75%* Floor: 1.50%	4.00%*

*Change in terms due to a temporary reduction in the margin, effectively reducing the variable interest rate as of January 1, 2009.
APR may vary. Maximum rate is 20.04%. Please read our Home Equity Disclosure and When Your Home is On the Line Disclosure for more details.

Closed End Second Mortgage (Valid on Missouri and Illinois property only)
90% Loan to Value (LTV)	6.99%

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