Continental Savings Bank

rates effective as of:
11-19-08

Minimum Balance

Interest Rate

Annual Percentage Yield

Penalty

PASSBOOK

$250.00*

0.350%

0.35%

Rate and Annual Percentage Yield effective as of the date shown. Daily balance at the end of the day used to calculate interest. Interest begins on the business day noncash items (such as checks) are deposited. Interest is compounded daily and credited quarterly. Rate may be changed at our discretion at any time.
* Minimum balance required to avoid quarterly service charge of $6.00.

	rates effective as of: 11-19-08
	NOW ACCOUNT	$500.00*	0.100%	0.10%

Rate and Annual Percentage Yield effective as of the date shown. Daily balance at the end of the day used to calculate interest. Interest begins on the business day noncash items (such as checks) are deposited. Rate may be changed at our discretion at any time.
* Minimum balance in NOW Account or $2,000 in any other deposit account required to avoid monthly service charge of $10.00.

	SUPER NOW	$2,500.00*	0.150%	0.15%
	Rate and Annual Percentage Yield effective as of the date shown. Rate based on a daily balance of $2,500 or more. Balances below $2,500 earn NOW Account rate in effect at that time. Daily balance at the end of the day used to calculate interest. Interest begins on the business day noncash items (such as checks) are deposited. Interest is compounded daily and credited monthly. Rate may be changed at our discretion at any time. * Monthly service charge of $10.00 if balance falls below $500.00.

rates effective as of: 11-19-08
ASCEND™ MONEY MARKET	$0-$9,999.00	1.000%	1.00%
	$10,000.00-$24,999.00	1.490%	1.50%
	$25,000.00-$49,999.00	1.980%	2.00%
	$50,000.00 and up	2.230%	2.25%
Rate and Annual Percentage Yield effective as of the date shown. Daily balance at the end of the day used to calculate interest. Interest begins on the business day noncash items (such as checks) are deposited. Interest is compounded and credited monthly. Rate may be changed at our discretion at any time. Preauthorized transactions limited to no more than six per month of which only three may be checks.
EXCEL™ MONEY MARKET
	$50,000.00*	2.960%	3.00%
Rate and Annual Percentage Yield effective as of the date shown. Daily balance at the end of the day used to calculate interest. Interest begins on the business day noncash items (such as checks) are deposited. Interest is compounded and credited monthly. Rate may be changed at our discretion at any time. Preauthorized transactions limited to no more than six per month of which only three may be checks. Rate only available if Money Market is linked to a Continental Savings Bank account or product. * Minimum balance required to avoid monthly service charge of $10.00.

rates effective as of: 11-19-08
6 Month	$2,500.00	2.720%	2.75%	6 Months
1 Year	$500.00	2.720%	2.75%	6 Months
18 Month	$500.00	3.210%	3.25%	6 Months
2 Year	$500.00	2.970%	3.00%	6 Months
3 Year	$500.00	3.210%	3.25%	6 Months
5 Year	$500.00	3.210%	3.25%	6 Months
Rate and Annual Percentage Yield effective as of the date shown. Rate may not be changed until maturity. Annual Percentage Yield assumes interest remains on deposit until maturity. Daily balance at the end of the day used to calculate interest. Interest is compounded and credited quarterly. After the account is opened, additional deposits are not allowed. A penalty equal to six months interest, whether earned or not, will be charged for a withdrawal of any portion of the principal before the maturity date. All certificates available for IRA Accounts, except 6 month term. Minimum balance for all IRA accounts is $100. Penalty does not apply if participant is over the age of 59-1/2 and taking scheduled distributions.

rates effective as of:
11-19-08

Term	Interest Rate	APR**	Monthly Payment (Per $1,000)	Loan Amount
3 Years / 3 Years	6.250%	6.385%	$30.54	$2,000.00-$250,000.00
3 Years / 20 Years	6.250%	6.326%	$7.31	$10,000.00-$250,000.00
5 Years / 5 Years	6.750%	6.834%	$19.68	$2,000.00-$250,000.00
5 Years / 20 Years	7.000%	7.051%	$7.75	$10,000.00-$250,000.00
10 Years / 10 Years	7.250%	7.295%	$11.74	$10,000.00-$250,000.00
15 Years / 15 Years	7.750%	7.783%	$9.41	$10,000.00-$250,000.00
• Maximum 80% combined LTV. • $50.00 origination fee at closing (plus cost of appraisal and title policy on loan amounts greater than $75,000.00). • Interest rates based on "Preferred Customers" eligibility. • Rate may be changed at our discretion at any time. APR = Annual Percentage Rate. Based on $25,000.00 loan amount. Property must be located in the state of Wisconsin.**

rates effective as of:
11-19-08

Term

APR**

Margin

Loan Amount

5 Years

4.000%

0.00%

$50,000.00-$250,000.00

5 Years

4.500%

0.50%

$5,000.00-$49,999.00

• Maximum 80% combined LTV.
• $50.00 Annual Fee (waived first year).
• $50.00 origination fee at closing (plus cost of appraisal and title policy on loan amounts greater than $75,000.00).
• Rate adjusts monthly, based on prime rate plus margin.
• Interest-only payments.
• Rate may be changed at our discretion at any time.
** APR = Annual Percentage Rate.

Property must be located in the state of Wisconsin.

rates effective as of:
11-19-08

	FIXED RATE - 45 DAY LOCK
	30 Year	Call for rates: (414) 525-7070
	15 Year	Call for rates: (414) 525-7070

ADJUSTABLE RATE MORTGAGE (ARM) PROGRAMS - 90 DAY LOCK
Program	Rate(1)	Points	Estimated Cost(2)	APR***
1/1 ARM	5.375%	0.00%	$950	4.946%
3/1 ARM	5.625%	0.00%	$950	5.106%
5/1 ARM	5.875%	0.00%	$950	5.991%

• Rate may be changed at our discretion at any time.
*** Annual Percentage Rates are based on a $150,000.00 mortgage loan with 20% down payment, 30 year term, and initial principal and interest payments of $911.42 (1-year) or $960.47 (3-year). Future P+I payment(s) will vary. 5yr P&I = 997.95

(1)	Add 1/4% to rate for loans greater than $417,000.00 (no conversion). Add 1/4% to ARM rate for conversion option.(not applicable to INIT loans.) Index: 1-year CONSTANT MATURITY Treasury Index; margin: 2.75%
(2)	Costs: Add $200.00 for 2-family appraisal; $250.00 for 3-family; and $300.00 for 4-family. Refinances - adjust for higher title insurance cost.

Property must be located in the state of Wisconsin.

NEW CONSTRUCTION ARM LOANS - 90 DAY LOCK
Program	Rate(1)	POINTS	Estimated Cost(2)	APR***
1/1 ARM	5.375%	0.00%	$1,150.00	4.919%
3/1 ARM	5.625%	0.00%	$1,150.00	5.084%

• Rate may be changed at our discretion at any time.
*** Annual Percentage Rates are based on a $150,000.00 mortgage loan with 20% down payment, 30 year term, and initial principal and interest payments of $815.68 (1-year) or $960.47 (3-year) following an 8-month, interest-only construction period. Future P+I payments will vary.

(1)	Add 1/4% to rate for loans greater than $417,000.00 (no conversion). Add 1/4% to rate for conversion option. Index: 1-year CONSTANT MATURITY Treasury Index; margin: 2.75%
(2)	Costs: Plus cost of title insurance. Includes $285.00 for construction escrow fee and $125.00 for re-certification. Add $200.00 for 2-family appraisal; $250.00 for 3-family; and $300.00 for 4-family.

Property must be located in the state of Wisconsin.

Fixed Rate Construction Loans and Lot Loans are also available.
Call for details: (414) 525-7070

Equal Opportunity Lender.