MSB

^{Monroe Savings Bank, SLA}

MORTGAGE RATES

Effective:  June 23, 2008

Conventional Mortgage	Rates	APR	Points
15 Years	5.875%	6.270%	2
15 Years	6.250%	6.250%	0
30 Years	6.250%	6.490%	2
30 Years	6.500%	6.500%	0
30/3	N/A	Furnished Upon	2
30/1	N/A	Request	2

Home Equity	Rate	Conditions
1 to 5 Years	6.950%	-.25% deduction from checking or savings
6 to 10 Years	6.950%	-.25% deduction from checking or savings
11 to 15 Years	6.950%	-.25% deduction from checking or savings

Equity Line of Credit	Rate
WSJ + 1 1/2%	6.50%

Mobile Homes	Rate
New	9.50%		9.00% Pref Credit (see Mortgage Dept)
1996 to 2004	9.75%
1985 to 1995	10.25%

New Auto Loan	Rate	Conditions
60 Months	6.500%	-.25% deduction from checking or savings
48 Months	6.500%	-.25% deduction from checking or savings
36 Months	6.500%	-.25% deduction from checking or savings

Used Auto	Rate
36 Months	6.875%
48 Months	6.875%

Motorcyle Loans	Rate
New and Used	8.00%