Home Equity Rates

Effective as of: April 1, 2010 |

Home Equity Loan Rates - Second Mortgage on Primary Residence *
LTV	Repayment Period Up to 60 months	Repayment Period 61-120 months	Repayment Period 121-180 months
80%	4.74% APR – 8.99% APR	5.74% APR – 9.99% APR	6.24% APR – 10.49% APR
90%	5.74% APR– 9.99% APR	6.74% APR – 10.99% APR	7.24% APR – 11.49% APR
100%	6.74% APR – 10.99% APR	7.74% APR – 11.99% APR	8.24% APR – 12.49% APR
APR is fixed and based on repayment period selected, LTV and credit qualifications.

5/30 Home Equity Loan Rates - Second Mortgage on Primary Residence*
LTV	Repayment Period	APR
80%	30 years	6.24%- 10.49%
APR† is fixed for first five years; variable thereafter (see below)

Home Equity Line of Credit Rates
LTV	APR — Variable Rate**
80%	4.00% - 8.25%
90%	4.25% - 8.75%
100%	5.25% - 9.75%

Rates accurate as of 4/1/2010

APR = Annual Percentage Rate

* Lowest rate available with checking relationship discount. Checking Relationship discount provides a qualifying rate discount of .25% APR for automatic loan payments from Columbia checking. Auto pay can be set up via online banking or through a Columbia representative; excludes payments with online bill pay. Plan Excludes lines of credit, share-secured loans, 1st mortgages and business loans.

† Important Information on 5/30 Home Equity Loan
APR is fixed for the first five years of the loan and range from 6.24% APR to 10.49% APR. Rate for the first five years is determined by loan to value (LTV) and credit qualifications. After first five years, rates are determined using the same minimum and maximum and index as the important information listed below for Home Equity Lines of Credit. There is no annual fee. There is a $300 Early Termination fee if the loan is paid off prior to 3 years from origination.

** Important Information on Home Equity Lines of Credit
Rates accurate as of 4/1/10. Rates are variable and based on LTV, credit risk and an index. Subject to maximum lifetime APR of 15.00% and minimum lifetime APR of 4.00%. Index used is Prime: the Wall Street Prime rate as quoted on the 10th day before the end of the preceding quarter. Prime to Prime plus 5.00% for up to and including 80% LTV, currently 4.00% APR to 8.25% APR; Prime plus 1.00% to Prime plus 5.50% for up to and including 90% LTV, currently 4.25% APR to 8.75% APR; and Prime plus 2.00% to Prime plus 6.50% for up to and including 100% LTV, currently 5.25% APR to 9.75% APR. Rates may change quarterly. Closing costs vary, but typically range from $90 to $1050, of which up to $300 is waived by Columbia (excluding appraisal fees). $300 early termination fee if line is paid off and closed prior to 3 years from origination. $25 annual fee is waived the first year.

Closing costs on equity loans and lines vary but typically range from $90 to $1050, of which up to $300 is waived by Columbia (excluding appraisal fees).

Membership required to borrow. All loans and lines subject to application and credit approval. Federally insured by the NCUA. Equal Housing Opportunity.