Fixed Mortgage rates
Variable Mortgage rates
Home Equity loans/lines rates
Auto loan rates

The rates quoted are as of the effective date indicated and are subject to change without notice. To qualify for a mortgage loan, property must be within our designated lending area. The bank reserves the right to perform its due diligence, assessment of the loan application, and may modify the amount, or refrain from providing any financing according to the results of its analysis.

Rates are effective Wednesday, September 3, 2008. SINGLE AND TWO FAMILY, OWNER-OCCUPIED PRIMARY RESIDENCE
Fixed Rates:	RATE	APR*
30 yrs (servicing released)	6.500%	6.531%	(No points)
15 yrs (servicing retained)	6.400%	6.401%	(Ex. 180 payments @ $8.66 per   $1,000 borrowed)

No document, stated income, challenged credit.
No down payment programs available - call for rates and details.
Call for all in-house loan options.
*Annual percentage rate.

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Rates are effective Wednesday, September 3, 2008. SINGLE AND TWO-FOUR FAMILY, OWNER OCCUPIED PRIMARY RESIDENCE
	RATE	APR*
1 Year ARM: Caps - 1% annual and 5% life of loan
1 to 30 yrs	5.950%	4.679%	(Ex. 360 payments @ $5.96 per $1,000 borrowed)
**3/1 Year ARM: Caps - 1% annual and 5% life of loan
1 to 30 yrs	6.150%	4.915%	(Ex. 360 payments @ $6.09 per $1,000 borrowed)
**5/1 Year ARM: Caps - 1% annual and 5% life of loan
1 to 30 yrs	6.300%	5.200%	(Ex. 360 payments @ $6.19 per $1,000 borrowed)
**7/1 Year ARM: Caps - 1% annual and 5% life of loan
1 to 30 yrs	6.400%	5.494%	(Ex. 360 payments @ $6.26 per $1,000 borrowed)
15/15 Year ARM: Caps - 1% annual and 5% life of loan
1 to 30 yrs	6.800%	6.665%	(Ex. 360 payments @ $6.52 per $1,000 borrowed)

Down payment options as low as 5% down are available with the above programs. These rates are subject to change without notice.Other competitive rates and terms also available. These rates may increase after your loan is closed. Rates are subject to change without notice - please call one of our experienced loan officers for a quote.
*Annual percentage rate.
**For these three products, the initial interest rate is a discounted rate and may not be based on the index and margin used to make later adjustments.

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Rates are effective Wednesday, September 3, 2008. SINGLE AND TWO FAMILY, OWNER OCCUPIED PRIMARY RESIDENCE Fixed Rates, closed end, no closing costs.
	RATE	APR*
11 to 15 yrs (No points)	7.400%	7.400%	(Ex. 180 payments @ $9.21 per $1,000 borrowed)
1 to 10 yrs	7.250%	7.250%

Up to 80% loan to value if 1st mortgage is NOT with SBSI.
Up to 90% loan to value if 1st mortgage IS with SBSI.
Lower rate options available with borrower-paid closing costs - call for details.
*Annual percentage rate.

HOME EQUITY LINE OF CREDIT
	RATE	APR*
15 yr term (Fixed for first five years)	6.950%	6.950%

Thereafter, rate adjusts monthly equal to the Prime Rate as published in the Wall Street Journal plus 0%. As of August 26, 2008, the Prime Rate is 5.00%. Maximum APR is 18%.
Property insurance will be required for this loan. You may be required to pay certain fees (such as a title search, title insurance and/or an appraisal of your home) to third parties. These fees generally total between $0 and $1000.
Program requires first mortgage through SBSI with maximum combined loan-to-value of 80% and an SBSI checking account. Other program options available for higher LTV requests and without an SBSI checking account - call for details.
*Annual percentage rate.

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Rates are effective Wednesday, September 3, 2008.
	RATE	APR*
New (Untitled)
2 yrs	5.800%	5.800%
3 yrs	5.950%	5.950%	(Ex. 36 payments @ $30.40 per $1,000   borrowed)
4 yrs	6.100%	6.100%
5 yrs	6.600%	6.600%	(Ex. 60 payments @ $19.61 per $1,000   borrowed)
6 yrs	6.650%	6.650%
Used (Model Year)
3 yrs 2002-05	6.800%	6.800%
3 yrs 2006-08	6.800%	6.800%	(Ex. 36 payments @ $30.79 per $1,000   borrowed)
4 yrs 2006-08	6.950%	6.950%

Call for rates on Unsecured Personal Loans, Collateral Loans, Home
Improvement and Mobile Home Loans.
*Annual percentage rate.

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