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CURRENT LOAN RATES

Rates Effective: 08/25/2010

FIXED RATE RESIDENTIAL MORTAGES

Loan Type	Interest Rate	Points	APR	P & I
`15 Year or Less`	`4.650%`	`3`	`5.111%`	`$1159.03`
`15 Year or Less`	`4.920%`	`2`	`5.227%`	`$1179.95`
`15 Year or Less`	`5.190%`	`1`	`5.344%`	`$1201.09`
`15 Year or Less`	`5.460%`	`0`	`5.460%`	`$1222.45`
`16 to 25 Year`	`5.000%`	`3`	`5.308%`	`$876.89`
`16 to 25 Year`	`5.200%`	`2`	`5.406%`	`$894.46`
`16 to 25 Year`	`5.400%`	`1`	`5.503%`	`$912.2`
`16 to 25 Year`	`5.600%`	`0`	`5.600%`	`$930.12`
`26 to 30 Year`	`5.125%`	`3`	`5.397%`	`$816.74`
`26 to 30 Year`	`5.325%`	`2`	`5.507%`	`$835.29`
`26 to 30 Year`	`5.525%`	`1`	`5.616%`	`$854.04`
`26 to 30 Year`	`5.725%`	`0`	`5.725%`	`$872.98`

APR = Annual Percentage Rate. Interest rates and APRs vary and are subject to change without notice. Rates are not guaranteed. Residential mortgages require 20% equity or down payment for an owner-occupied, single-family residence in Berks, Lehigh or Montgomery Counties. Your actual APR and fees may vary depending on your credit history, actual loan amount, combined loan-to-value ratio and selection of loan features. Adequate homeowner's insurance is required and flood hazard insurance may be required. If the down payment is less than 20% of the purchase price or home's value, whichever is less, Private Mortgage Insurance may be required, which will increase your monthly payment and could increase the APR. The APR calculation and the Principal & Interest (P & I) is based on a loan amount of $150,000 with a 20% down payment to purchase a primary residence. P & I does not include any escrow for real estate taxes and insurances. Other rates, terms and programs are available. Please contact to confirm our rates or for more details.

FIXED RATE LOT / LAND ONLY LOANS

Loan Type	Interest Rate	Points	APR	P & I
`Maximum 15 Year Fixed Rate`	`5.650%`	`3`	`6.124%`	`$825.07`
`Maximum 15 Year Fixed Rate`	`5.900%`	`2`	`6.216%`	`$838.47`
`Maximum 15 Year Fixed Rate`	`6.150%`	`1`	`6.308%`	`$851.99`
`Maximum 15 Year Fixed Rate`	`6.300%`	`0`	`6.300%`	`$860.16`

APR = Annual Percentage Rate. Rates are not guaranteed. Lot Loans/Land Only Loans require 25% down payment or equity. Maximum term is 15 years. Your actual rate will be based on a review of your creditworthiness. These rates are subject to change without notice. The APR calculation and the Principal & Interest (P & I) is based on a loan amount of $100,000 with a 25% down payment. P & I does not include any escrow for real estate taxes and insurances. Please contact to confirm our rates or for more details.

FIXED RATE HOME EQUITY LOANS

Loan Type	Interest Rate	APR*	Monthly Payment per $1,000
`5 to 7 Years`	`6.150%`	`6.150%`	`$14.69`
`8 to 11 Years`	`6.550%`	`6.550%`	`$10.65`
`12 to 16 Years`	`6.875%`	`6.875%`	`$8.61`
`17 to 20 Years`	`7.125%`	`7.125%`	`$7.83`

Applicants must meet Bally Savings Bank credit criteria. Offer applies only to owner-occupied residential properties, up to 80% maximum loan-to-value for all liens against property. Property insurance required. Minimum loan amount is $10,000. Interest may be tax deductible (consult your tax advisor). Rates subject to change without notice. Your actual rate will be based on a review of your creditworthiness. Closing costs may apply. Not for swing loan purposes.

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