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CURRENT RATES

TODAY'S RATES: Variable Rate Loans
Loan Sub-Account Description% Above IndexPresent APR
as low as*
Minimum APR
Primary Share Secured 0-40 LTV **1.00%1.40%1.00%
Primary Share Secured 40.01-70 LTV **1.50%1.90%1.50%
Primary Share Secured 70.01-100 LTV **2.00%2.40%2.00%
Primary Share Secured 100.01-125 LTV **3.00%3.40%3.00%

*APR = Annual Percentage Rate. Rates subject to change without notice.
** Minimum $35 monthly payment.

Rates Effective 07/07/2009


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