At the present time, we offer real estate loans only in the six counties of the San Luis Valley and provide consumer loans only to residents of the San Luis Valley. Loan Rates EFFECTIVE DATE: May 6 , 2008 APR = ANNUAL PERCENTAGE RATE
Mortgages
Conventional Fixed Rate - Owner Occupied
Term	Loan to Value	Rate	APR*	PMI	Origination Fee
30 Yr.	80%	6.50%	6.625%	0	1%
Example: $100,000.00 @ 6.625% APR = 360 payments of $632.07.
15 Yr.	80%	6.00%	6.20%	0	1%
Example: $100,000.00 @ 6.20% APR = 180 payments of $843.86
Conventional Adjustable Rate - Owner Occupied
Term	Loan to Value	Rate	APR*	PMI	Origination Fee
1-30Yr.	80%	5.50%	5.614%	0	1%
Example: $100,000.00 @ 5.614% APR = 360 payments of $567.79.
Rate may be increased after consummation.

Auto Loans
Auto Loan Fixed Rate - New to 1 year old - 15% down
5 yrs.	6.25%	6.568% APR	$75.00 document preparation fee
Example: $10,000.00 @ 6.568% APR = 60 payments of $194.51
*Vehicles 10 yrs old or older will require 25% down. Financing for up to 72 months available on new - 1 year old when financing $20,000 or more.

Interest rates are subject to change without notice. Contact Bank for current rates.

*APR - the actual cost of credit to the borrower, including interest and certain other charges, expressed as a yearly rate and calculated over the life of the loan

Please contact one of our loan professionals if you need information on any of our other loan products offered, such as: Government Loans Commercial Loans Vacant Land Rental Loans Recreational Loans Used Vehicle Loans Line of Credit Loans Deposit Account (Share Loans) Manufactured Homes FOR MORE INFORMATION ON ANY OF OUR LOAN OR DEPOSIT PRODUCTS YOU MAY TALK TO ANY OF OUR EMPLOYEES OR CALL (719) 589-8800 OR (719) 852-5991 IN MONTE VISTA.