Loan Annual Percentage Rates

(Rates are effective 09/01/09 and are subject to change.)

Loan Categories	APR** As Low As
New Auto/Truck/Van	4.75%*
Used Auto/Truck/Van	5.75%*
New Boat & Recreational Vehicle	5.25%*
Used Boat & Recreational Vehicle	6.25%*
New Motorcycle	6.50%*
Used Motorcycle	7.75%*
Publix Stock (60%)	5.00% for 84 months
Publix Stock (80%)	7.00% for 144 months
Publix Stock (Single Payment 90 days)	6.00%
Publix Stock Purchase	5.00% for 48 months
Visa Credit Card	9.9% - 10.9% APR*
	*Rate Based on Credit History
New Mobile Home	12.00%
Share Secured	4.00% for 60 months
Certificate Secured	Contact Loan Dept. for Rate
Co-Maker	18.00%
Signature Loan	12.25%*
Charge Account Payoff	16.00%
New Furniture & Appliance	11.00%*
Home Improvement	11.00%
New Personal Computer	6.50%*
*Rate will vary based on your credit score.

 **Annual Percentage Rate.  Rate is subject to change.

 Mortgage Rates
As of November 20,  2009

(SUBJECT TO CREDIT APPROVAL - RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE -
CONTACT MORTGAGE DEPARTMENT)

First Mortgage Loans- The rates are displayed for conforming loan programs
and are based on a $150,000 Loan Amount with 20% down/equity

Second Mortgage and Property Loans- The rates are displayed for conforming
loan programs and are based on a loan amount of $20,000.00

LOAN CATEGORY	RATE/APR
RATES QUOTED WITHOUT POINTS
1st Mortgage
30YR FIXED	5.13% / 5.195%
20YR FIXED	5.00% / 5.087%
15YR FIXED	4.38% / 4.488%
Adjustable Rate
1% Yr 4% Life Cap ALL TERMS	6.25% / 7.935%
2nd Mortgage
3 YR FIXED	6.50% / 7.361%
5 YR FIXED	7.50% / 8.041%
10 YR FIXED	8.25% / 8.547%
15 YR FIXED	8.50% / 8.716%
Property
3YR ARM-12YR TERM	10.00% / 10.314%