CONSUMER LOAN RATES September 2 , 2008 RATE APR - ANNUAL PERCENTAGE RATE FEES QUALIFIERS625 EQUITY LOANS Adjustable Rate Home Equity Line of Credit Adjusted Monthly To Prime 5.000% 5.000% None Single family, owner occupied Max. loan-to-value - 80% Fixed Rate Home Equity Line of Credit 15 yrs. 6.990% 6.990% None Single family, owner occupied Max. loan-to-value - 80% Second Mortgage   5 yrs. 10 yrs. 15 yrs.   5.990% 6.500% 6.750%   5.990%* 6.500%* 6.750%*   None Payment Per $1000 $19.33 $11.36 $8.85 Single family, owner occupied Max. loan-to-value is 80% VEHICLE LOANS New 2008 Auto Loan 24 mos 36 mos 48 mos 60 mos 5.375% 5.750% 6.000% 6.125% 5.375% 5.750% 6.000% 6.125% None 10% down Used Auto Less than 2 Years Old 24 mos 36 mos 48 mos 7.375% 7.750% 8.000%  7.375%      7.750%     8.000% None 10% down               Mileage Restriction May Apply *70,000 miles Used Auto 2 Years and Older 24 mos 36 mos 8.375% 8.750% 8.375% 8.750% None 10% down               Mileage Restriction May Apply *70,000 miles New RVs 7 yrs 10 yrs 6.875% 7.250% 6.875% 7.250% None 20% down Campers, motor homes Used RVs 6 years 7.375% 7.375% None 20% down Campers, motor homes PERSONAL LOANS Personal Loan Secured with SCB Certificate of Deposit 12 mos 24 mos 36 mos 48 mos 60 mos   1 1/2% over CD Rates None 90% loan-to-value Personal Loan Unsecured 2 years 15% 15% None $5,000.00 maximum loan amount Overdraft Protection Line of Credit Open- Ended 15% 15% $10.00 Annually Existing SCB Checking Account Maximum loan amount of $10,000 Open-ended loan, no maturity. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE *APR is based on a $10,000 loan amount with a 20% down payment.