CONSUMER LOAN RATES February 2, 2012 RATE APR - ANNUAL PERCENTAGE RATE FEES QUALIFIERS625 EQUITY LOANS Adjustable Rate Home Equity Line of Credit Adjusted Monthly To Prime Plus 1.50% 4.750% 4.750% None Single family, owner occupied Max. loan-to-value - 80% Fixed Rate Home Equity Line of Credit 15 yrs. 5.990% 5.990% None Single family, owner occupied Max. loan-to-value - 80% Second Mortgage   5 yrs. 10 yrs. 15 yrs.   4.500% 6.000% 6.250%   4.500%* 6.000%* 6.250%*   None Payment Per $1000 $18.64 $11.10 $8.57 Single family, owner occupied Max. loan-to-value is 80% VEHICLE LOANS New 2012 Auto Loan 24 mos 36 mos 48 mos 60 mos 4.500% 4.990% 5.500% 5.990% 4.500% 4.990% 5.500% 5.990% None 10% down Used Auto Less than 2 Years Old 24 mos 36 mos 48 mos 5.000% 6.500% 6.750%  5.000%      6.500%     6.750% None 10% down               Mileage Restriction May Apply *70,000 miles Used Auto 2 Years and Older 24 mos 36 mos 7.750% 8.000% 7.750% 8.000% None 10% down               Mileage Restriction May Apply *70,000 miles PERSONAL LOANS Personal Loan Secured with SCB Certificate of Deposit 12 mos 24 mos 36 mos 48 mos 60 mos 5.00%   5.00% 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.