Current Rates Mortgage Loan Rates Rates Effective as of 02/01/2012 Fixed Rate Mortgage Program Term Rate Pts APR Estimated Monthly Payment Per $1000 Borrowed Primary Residence (90% LTV) 15 Year 15 Year 15 Year 3.375% 3.250% 3.125% 0.0 1.0 2.0 3.44% 3.46% 3.49% 7.09 7.03 6.97 20 Year 20 Year 20 Year 4.000% 3.875% 3.625% 0.0 1.0 2.0 4.05% 4.04% 3.91% 6.06 5.99 5.86 30 Year 30 Year 30 Year 4.125% 4.000% 3.750% 0.0 1.0 2.0 4.16% 4.12% 3.96% 4.85 4.77 4.63 Adjustable Rate Mortgage Term Rate APR Points Estimated Monthly Payment Per $1000 Borrowed Primary Residence (Fixed for 1 year) (Fixed for 3 years) (Fixed for 5 years) 30 Year 30 Year 30 Year 6.75% 7.24% 9.24% 6.90% 7.39% 9.41% 1 1 1 6.49 6.81 8.22 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 6.75% 7.24% 9.24% 6.90% 7.39% 9.41% 1 1 1 11.48 11.73 12.80 Home Equity Loans & Lines of Credit Rates Effective as of 01/12/2012 Type Term Rate APR Estimated Monthly Payment Per $1000 Borrowed 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% 12.615% 12.343% 12.198% 21.24 13.66 11.36 Adjustable Rate Home Equity Loan (3 Year Adjustable) (5 Year Adjustable) 15 Year 15 Year 8.99% 10.99% 10.105% 12.198% 31.80 21.74 Adjustable Rate Home Equity Line of Credit 10 Year 5.000% 5.69% 10.61 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 01/12/2012 Automobile Term Rate APR Estimated Monthly Payment Per $1000 Borrowed New (80% LTV) 36 months 48 months 60 months 9.25% 9.50% 10.00% 9.25% 9.50% 10.00% 31.92 25.12 21.25 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% 33.21 26.83 23.07 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 01/12/2012 Description Interest APY** 91 Day CD2,6 0.35% 0.35% 6-month CD2,6 0.50% 0.50% 9-month CD2,6 0.60% 0.60% 1-year CD2,6 0.75% 0.75% 1-year Access CD4 0.50% 0.50% 1 1/2-year CD2,6 1.09% 1.10% 2-year CD2,6 1.24% 1.25% 2 1/2-year CD2,6 1.49% 1.50% 5-year CD2,6 2.13% 2.15% IRA(18-month term/$100 min.)2,6 1.09% 1.10% IRA(60-month term/$100 min.)2,6 2.13% 2.15% Passbook Savings3 0.25% 0.25% Statement Savings4 0.25% 0.25% Holiday Savings Account5,6 0.75% 0.75% NOW Checking4,6 0.10% 0.10% NOW High Yield Checking4,6 0.75% 0.75% *NEW* Silver & Gold Checking4,6 0.25% 0.25% Money Market 4,6 Under $2,500 $2,500 and over 0.10% 0.30% 0.10% 0.30% 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 0.10% 0.30% 0.60% 1.00% 1.24% 0.10% 0.30% 0.60% 1.01% 1.25% 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.