Consumer Loan Interest Rates (effective 10/4/2012)

PRODUCT	TERM	APR*
. New Auto**	. Up to 72 months	.3.62%
. Used Auto***	. Up to 48 months	.4.04%
. Overdraft Protection	. Revolving	. 18.00% fixed
. Unsecured Loan	. Up to 48 months	. 16.00% fixed
. Home Equity Line of Credit	. Call for details	. Call for details

*APR = Annual Percentage Rate

**New auto loans require a 10% down payment or trade in.

***For used auto loans, the maximum loan that the bank will finance is the lesser of 75% of retail pricingor 100% of trade-in value from Kelly Blue Book, NADA or Edmunds online.

Customers who have their monthly auto or unsecured loan payment automatically deducted from their Regal Bank & Trust deposit account will receive a 25 basis point reduction.
Assumptions

For current Mortgage Rates, contact Matt Vinson, NMLS#504695 at 443-334-4729.

Rates, terms and conditions are subject to change at bank's sole discretion without notice.

Regal Bank & Trust, Lender NMLS#484660