<table class="ratestable two-column" border="0">
  <tr>
    <td class="col1">PERCENT FINANCED</td>
    <td>80% loan-to-value ratio</td>
  </tr>
  <tr>
    <td class="col1">INTEREST RATE*</td>
    <td>as low as 5.00% (3)</td>
  </tr>
  <tr>
    <td class="col1">FIXED & ADJUSTABLE RATE TERMS</td>
    <td>Fixed first 3 years/Variable then annually thereafter with 2% periodic cap (3)</td>
  </tr>
  <tr>
    <td class="col1">MINIMUM LOAN/LINE</td>
    <td>$10,000</td>
  </tr>
  <tr>
    <td class="col1">MAXIMUM LOAN AMOUNT</td>
    <td>$200,000</td>
  </tr>
  <tr>
    <td class="col1">MAXIMUM LOAN TERM</td>
    <td>up to 180 months (5)</td>
  </tr>
  <tr>
    <td class="col1">PREPAYMENT PENALTY</td>
    <td>NONE</td>
  </tr>
  <tr>
    <td class="col1">ELIGIBLE PROPERTIES</td>
    <td>Owner occupied single family residences in Spokane area</td>
  </tr>
  <tr>
    <td class="col1">CLOSING COSTS</td>
    <td>Paid by SCCU (6)</td>
  </tr>
</table>