Consumer Loan Rates

Product Name	Description	Maximum Collateral Values (Loan to Value-LTV)	Term	APR*	Monthly Principal & Interest per $1000
Personal Loan - Unsecured	Multi-purpose loan	N/A	48 months	12.74%	$26.70
Personal Loan - Secured	Secured by tangible personal property (older model cars)	NADA "Retail" Value (NADA is an official used car guide)	60 months	8.74%	$20.63
Overdraft Protection	Revolving line of credit linked to a personal non interest bearing Demand Deposit Account (DDA)	N/A	36 months (1/36th of principal + interest)	18.00%	$42.78
Automobile New  2010	Foreign and domestic auto (Personal use only)	Retail Value (up to 100% financing is available)	Up to 72 months	Up to 48 months - 5.25% 49-60 months -    5.25%    61-72 months-    5.74%	$23.14                $22.72 to $18.99           $18.94 to $16.45
Automobile Used  2006-09 Any Vehicle with more than 5000 miles is considered a used vehicle	Foreign and domestic auto (Personal use only)	NADA "Retail" Value (NADA is an official used car guide)	Up to 60 months	Up to 36 months - 5.50%  37 to 48 months-   5.50%   49-60 months -     6.00%	$30.20                 $29.45 to $23.26          $23.06 to $19.33
Automobile  Used    2003-05   Any Vehicle with more than 5000 miles is considered a used vehicle	Foreign and domestic auto (Personal use only)	NADA "Retail" Value (NADA is an official used car guide)	Up to 48 months	Up to 36 months - 6.25% 37-48 months -     6.74%	$30.54 $30.01 to $23.83
Home Equity - Variable HELOC	Home Equity Multi Purpose Line of Credit	Owner Occupied 1-4 Family 80% LTV Vacation Property Condominnium/Townhouse 1 Family 65% LTV Rental Property 1-4 Family  55% LTV Must be zoned Residential (Storefront properties and co-ops are not acceptable) Homeowners insurance is required.  (LTV=total of all liens against the property divided by the appraised value of the property)	Revolving Principal & Interest Option Payments equals 1/240 of principal plus interest & insurance for the month or Interest Only Option For 10 Years Then Payments equals 1/180 of the principal plus interest & Insurance for the month	Prime for Life of Line Minimum APR: 3.75% (Floor Rate) Maximum APR: 18% Note: Minimum payment is $50 Minimum Draw is $200	$7.29 (Floor Rate, P&I 1/240) $3.13 (Interest Only at current Floor Rate)  $8.68 (Floor Rate, P&I 1/180)
Home Equity Loan - Fixed	Home Equity Multi Purpose fully amortizing loan.	Same as above (HELOC)	Terms to 240 months	Monthly or Bi-Weekly   36-60 months -      4.74%   61- 120 months -   5.25%  121 - 180 months - 5.90%181 - 240 months -  6.10%	$29.85 to $18.75             $18.71 to $10.73        $10.98 to $8.38            $8.46 to $7.22

*APR (Annual Percentage Rate): The APR's shown for Personal Unsecured, Personal Secured, Automobile and Home Equity loans include a .25% discount for having the loan payments automatically deducted from a Lakeland checking or statement savings account. The APR will increase if, at any time during the term of the loan, the automatic payment deduction is discontinued.

The  Annual Percentage Rate (APR) for the Home Equity Line of Credit is variable and equals the Wall Street Journal Prime Rate. The minimum rate (APR) is 3.75%. The maximum rate (APR) is 18%. The current Wall Street Journal Prime Rate is 3.25% (APR). The current rate on our Home Equity Line of Credit is 3.75% (APR).

All loans are subject to credit approval. Rates and terms are accurate as of  7/29/10 and are subject to change without notice.

Current Mortgage Rates for our Most Popular Products

Product	Rate	Points	Annual Percentage Rate	Maximum Loan Amount	Principal & Interest Per $1,000
30 Year Fixed Bi-Weekly	4.625%	0	4.634%	$650,000.00	$2.57 (bi-weekly)
15 / 30 Balloon	4.500%	0	4.510%	$650,000.00	$5.07
5 / 1 ARM Loan*	4.000%	0	3.439%	$650,000.00	$4.77 (Fixed for the first 5 years then adjusts annually thereafter)
Construction Loan - 12 Month	6.250%	0	7.315%	$1,000,000.00	$5.21 (Interest Only)

*APR (Annual Percentage Rate): The APR's shown for the 30 Year Biweekly, the 15/30 Balloon and the 5/1 Arm Loan include a .25% discount for having the loan payments automatically deducted from a Lakeland checking or statement savings account. The APR will increase if, at any time during the term of the loan, the automatic payment deduction is discontinued.

Contact a Mortgage Consultant for additional rates on other products and loans for over $650,000.00
*Annual Percentage Rate may be increased after the initial fixed period.
Rates vary daily and are accurate as of 7/7/10 and subject to change without notice.
Private Mortgage Insurance is required on all loans with less than 20% down.