DISCLOSURE INFORMATION

FIXED RATE MORTGAGES

Conforming Fixed Rate Products. Owner Occupied 1-4 Family;
Maximum Dollar Amount $417,000: Maximum Loan to Value: 90%

ADJUSTABLE RATE MORTGAGES

Conforming Fixed Rate Products. Owner Occupied 1-4 Family;
Maximum Dollar Amount $417,000: Maximum Loan to Value: 95%

FIXED RATE HOME EQUITY

No closing costs, no points, no application fee.
Minimum Dollar Amount $10,000. Maximum Dollar Amount $250,000;
> Loan to Value < or = 80% of appraised value less First Mortgage.
Early termination fee may apply.

ADJUSTABLE RATE HOME EQUITY

Owner Occupied Equity Loan. Minimum Annual Percentage Rate 3.99%;
Maximum Annual Percentage Rate 18.00%
Annual Percentage Rate adjusting to Prime minus .51%.
Prime as listed in the Wall Street Journal variable and subject to change.
Maximum Dollar Amount $250,000. Payment interest only.
Ten year draw & ten year payback.
Loan to Value < or = 80% of appraised value less First Mortgage.
Requires automatic payment from SMCU Checking Account.

REAL DEAL HOME EQUITY

Owner Occupied Equity Line of Credit
Open end life plan; Maximum Dollar Amount $250,000
Loan to Value < or = 80% of appraised value less First Mortgage.
Payments include P & I.
Requires automatic payment from SMCU Checking Account.

HOME IMPROVEMENT

Maximum Dollar Amount $125,000

HELPER LOAN

$500 closing credit for first time homebuyer.
Approval of loan is based upon established underwriting guidelines and credit worthiness.