Loan Comparison Chart

Loan Type	Interest Rate/ Index*	Fixed/ Floating	Term	Amoritization	Loan to Value Ratio	Secured
Business Lines of Credit	Prime	Floating	12 months	None	Based on Collateral	Real Estate** - A/R's-Invent-Equip- Marketable Sec
Business Term Loans	US Treasury	Fixed	5-10 years	Up to 25 years	Based on Collateral	Real Estate** - A/R's-Invent-Equip- Marketable Sec
Business Term Loans	Prime	Floating	5-10 years	Up to 25 years	Based on Collateral	Real Estate** - A/R's-Invent-Equip- Marketable Sec
Commercial Mortgage Loans	US Treasury	Fixed	5-15 years	Up to 25 years	Up to 75%	Real Estate**
Commercial Mortgage Loans	Prime	Floating	5-15 years	Up to 25 years	Up to 75%	Real Estate**
Construction Loans	Prime	Floating	12-36 months	None	Up to 75%	Real Estate**
Multifamily/Mixed Use Mortgage Loans	Treasury	Fixed	5-15 years	Up to 25 years	Up to 80%	Real Estate**
Commercial/Owner Occupied Mortgage Loans	Treasury	Fixed	5-15 years	Up to 25 years	Up to 75%	Real Estate**

Residential Mortgage Loans	Market	Fixed	Up to 30 years	Up to 30 years	Up to 80%	Single family residence or condominium
Home Equity Line/Loan	Prime	Fixed or Floating	20 Years	Beginning Yr 11	Up to 80%	Single family residence or condominium

* The interest rate on the loan will be based on a spread above the noted Index. This spread will be determined during the underwriting process and approved by the proper authourity. The spread considers risk, creditworthiness, collateral, financial capacity of the principals and economic conditions.

** Property types include single family residences, condominiums, office, retail, industrial and land.

As of February 1, 2008

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