Hickory Point Bank & Trust, fsb: Loan Rates

RATES ARE SUBJECT TO CHANGE AT ANY TIME ALL RATES ARE EXPRESSED AS ANNUAL PERCENTAGE RATES (APR) Loan rates are current as of 05/12/2008
Mortgage Loan Rates*
In House 3 Year Balloon	5.500%	0 Points
In House 5 Year Balloon	5.750%	0 Points
In House 1/1 Year ARM	5.125%	0 Points
In House 3/3 Year ARM	5.375%	0 Points
In House 5/5 Year ARM	5.625%	0 Points
In House 7/1 Year ARM	6.000%	0 Points
Investor Rate 10 Year Fixed	5.625%	0 Points*
Investor Rate 15 Year Fixed	5.625%	0 Points*
Investor Rate 20 Year Fixed	6.000%	0 Points*
Investor Rate 30 Year Fixed	6.000%	0 Points*
Investor Rate 40 Year Fixed	6.625%	0 Points*
Jumbo Loan 15 Year Fixed	N/A	0 Points*
Jumbo Loan 30 Year Fixed	N/A	0 Points*
Second Mortgage Loan Rates*
3 Year	7.500%
5 Year	8.000%
*Annual Percentage Rates assume a 20% down payment. For adjustable rate mortgages, rates may increase during the term of the loan.
OTHER LOAN RATES

Retail Rates
MasterCard/Visa Credit Line	18.00%
Home Improvement Loans
Unsecured Loans (Max. term - 36 months)	10.00%
Construction Loans
Construction Loans	7.00%
Home Equity Loans
Credit Line	3.90%
Personal Loans
Unsecured Loans (Max. term - 36 months) Signature Line of Credit	10.00% 10.00%
Auto Loan Rates (add 1% for recreational & marine units)
	36 MO	48 MO	60 MO	72 MO
New/Used 2007 - 2008	5.25%	5.25%	5.40%	6.25%
Used 2005 - 2006	5.50%	5.50%	5.90%
Used 2004	5.75%	5.75%	6.25%
Used 2003	6.25%	6.25%	6.75%
Used 2002	6.75%	6.75%	7.25%
Used 2001/older	8.50%	8.50%
RATES ARE BASED ON A $60,000 MORTGAGE ACQUIRED AFTER A BUYER PLACES 20% DOWN ON A HOME PURCHASED FOR $75,000. THE APR COULD BE DIFFERENT BASED UPON PREPAID INTEREST, PMI, AND CLOSING COSTS.
FANNIE MAE INTEREST RATES ARE SUBJECT TO CHANGE AND ARE BASED ON SPECIFIC TERMS.
FANNIE MAE INTEREST RATES ARE SUBJECT TO CHANGE AND ARE BASED ON SPECIFIC TERMS.
*Take .125% off our direct auto rates and select in-house balloon mortgage rates with direct debit from a Hickory Point Bank checking account.