Rates

Rates subject to change without notice.

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HOME LOAN RATES.
Current Mortgage Rates Effective as of August 24, 2010
All rates subject to change without notice.
All requests are subject to credit approval and underwriting guidelines.

	Interest Rate	Points	APR
Construction Loan	.99%	0	1.546%*
*APR (Annual Percentage Rate) is based on a 20% down payment, $150,000 loan amount, five monthly interest payments of $123.75 plus a final balloon payment of $150,123.75 and typical closing fees (a $400 loan administration fee and $15.00 flood determination fee). Interest payments are based on the total loan amount being disbursed. An appraisal, title insurance and property insurance are required. All requests are subject to credit approval and underwriting guidelines. This rate is restricted to new home construction and remodeling for qualified borrowers. Some restrictions may apply. Payment does not include amounts for taxes and insurance premiums. Escrow not required on construction loans. Rate effective 9/01/2010. Rates are subject to change without notice.

	Interest Rate	Points	APR
Home Equity Line of Credit - Variable Rate	3.25%	0	3.25%*
*The 3.25% APR (Annual Percentage Rate) is available for new Jackson County Bank home equity lines of credit of $5,000 or more. The fully indexed rate is Wall Street Journal Prime (3.25% as of 08/11/2010). Add 1% for an 81% to 90% LTV (Loan to Value). Add 2% for 91% to 100% LTV. The APR may vary, not to exceed 18%. Property insurance is required. Fees to open a line will generally range between $100 and $400. The annual fee of $25 is waived for customers with a Jackson County Bank first mortgage loan. Subject to credit approval and property evaluation. Offer is good for a limited time and is subject to change.
Home Equity Line of Credit - Five Year Fixed Rate	6.99%	0	6.99%**
**6.99% APR (Annual Percentage Rate) is current as of 08/11/2010. This rate and term is available with automatic payment from a Jackson County Bank checking account. Offer available only for loans of $10,000 to $50,000. Maximum 80% Loan to Value. Sixty monthly interest payments ranging from 5.37 to 5.94 per $1,000 borrowed plus a final principal balloon payment. Fees to open a line will generally range between $100 and $400. The annual fee of $25 is waived for customers with a Jackson County Bank first mortgage loan. Subject to credit approval and property evaluation. Offer is good for a limited time and is subject to change.

Mortgage Type	Interest Rate	Points	APR*
3-Year Balloon* 20-Year Amortization	5.360%* 35 pmts. of $510.00 (plus a final balloon payment of $68,691.68)	0	5.443%
3-Year Balloon** 20-Year Amortization	5.060%** 35 pmts. of $497.46 (plus a final balloon payment of $68,468.70)	0	5.143%
The payment terms above are calculated using a $75,000.00 principal balance, 20-year amortization, referenced down payment(* *) and typical closing fees (a $150 loan administration fee and $15.00 flood determination fee), and should be used for Annual Percentage Rate (APR) only. Payment terms based on a 20% down payment. Rate may vary with amount of down payment. Loans with less than 20% down payment may require mortgage insurance and may change the APR. *Payment terms based on a 50%* down payment. Rate may vary with amount of down payment. Payments above do not include escrow for taxes and insurance. If escrow is required, the actual payment obligation will be greater.
Long-Term Fixed Rates are also available. These rates change daily. Please call for information.

AUTO LOANS
Current Rates as of August 24, 2010
All rates subject to change without notice. All requests subject to bank credit approval.

	Term	Interest Rate	APR* Annual Percentage Rate	Payment (Based on Loan in the amount of $10,000 with a $25 Loan Administration Fee)
2010 & Newer	72 Months	6.99%	7.08%	71 @ $170.86 1 @ $171.31
2008 & Newer (Maximum term of 48 mos. for a 2008 vehicle.)	36 Months	5.79%	5.95%	35 @ $304.01 1 @ $303.99
	48 Months	5.99%	6.12%	47 @ $235.38 1 @ $ 235.18
	60 Months	6.29%	6.39%	59 @ $195.16 1 @ $195.13
2005-2007	36 Months	6.59%	6.75%	35 @ $307.65 1 @ $307.47
2005-2007	48 Months	6.99%	7.12%	47 @ $240.00 1 @ $239.84
2002-2004	24 Months	8.69%	8.93%	23 @ $456.52 1 @ $456.61
2002-2004	36 Months	8.99%	9.15%	35 @ $318.72 1 @ $318.53
*APR is affected by $25.00 Loan Administration Fee. Loan Administration Fee is 2% of loan amount, but not more than $25.00.
2001 and Older	Call our Personal Bankers for more information.
Personal Loans	Call our Personal Bankers for more information. ext. 1301, 1340, 1304,1305
Credit Cards More Info on Credit Cards	Call our Credit Card Department for current rates. ext. 1304 or 1321