Mound City Bank Online -- Lending Rates

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RATES ACCURATE AS OF MAY 9, 2008

*Due to volatility in today's market, please call for up to date rates.

Loan Pricing Disclosure

Account Type	Rate	Annual Percentage Rate (APR)	*Max Loan to Value LTV(%)
Secondary Market
40 year Fixed Rate	6.375%**	6.566%	95
Flex 97	6.125%**	6.154%	97
* Other adjustable rate mortgages available upon request.*
In House Fixed Rates
15 year Fixed Rate	5.500%**	5.554%	95
20 year Fixed Rate	5.750%**	5.782%	95
30 year Fixed Rate	6.000%**	6.024%	95
(**w/no origination fee) The APR's are based on loan amount of $100,000.00 with payments being charged automatically to Mound City Bank Deposit Account. Example: $100,000.00 loan - 6.000% - 30 years (fixed) - monthly payment of $599.55.
Conventional - Owner Occupied
3 yr. Balloon	5.29%	5.386%	80
5 yr. Balloon	5.59%	5.652%	80
7 yr. Balloon	5.79%	5.838%	80
10 yr. Balloon	5.99%	6.027%	80
These rates are based on an "Acceptable" Risk Rating. Your rate may be higher or lower depending in part on your unique credit history. No Points or Origination Fees Up to 30 year amortization Loan Administration fee of $35.00 Underwriting fee of $225.00, except renewals with no additional borrowing Conversion fee .75% w/$250.00 minimum *Add .10% without payments automatically charged to Mound City Bank checking account. The APR's are based on loan amount of $100,000.00 with payments being charged automatically to Mound City Bank Deposit Account. Example: $100,000.00 loan - 6.29% - 10 year balloon (amortized over 30 years) - monthly payment of $618.38 with a balloon payment at maturity
Construction Rates
6 month term	3.75%	5.104%(e)	80
6 month term	4.75%	6.110%(e)	81-90
APR based on a loan amount of $200,000.00
Non-Owner Occupied (1-4 Family)
3 yr. Balloon - 1.0% origination fee	6.39%	6.765%	80
5 yr. Balloon - 1.0% origination fee	6.69%	6.934%	80
*30 year amortization The APR's are based on loan amount of $75,000.00 with payments being charged automatically to Mound City Bank Deposit Account. Example: $75,000.00 loan - 5.99% - 5 year balloon (amortized over 30 years) - monthly payment of $449.40.
Home Equity Access (HELOC)
*Variable Interest Only Payments	5.000%	5.000%
*Variable (Wall Street Prime - Floating) with auto charge to Mound City Bank account (Floor 5.00%) Maximum APR 18%	5.000%	5.000%
*Fixed Rate (3 yr.) with Mound City Bank auto charge	5.750%	5.750%
$50.00 annual maintenance fee. Other fees may apply when opening a line of credit. These generally range between $75.00 and $370.00. Property Insurance required.
WHEDA - No points or origination fees**
The APR is based on a loan amount of $100,000.00	6.000%	6.028%
For more information: www.wheda.com
WI-Rural Development Guaranteed Rural Housing (GRH) Loan Program
Guaranteed 30 year Fixed Rate **	6.125%	6.345%
(2.00% Guarantee Fee) (0% down payment) The APR's are based on loan amount of $100,000.00. Example: $100,000.00 loan - 6.125% - 30 years (fixed) - monthly payment of $607.67.
Federal and VA Rates - Available upon request

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