Rates effective as of November 3, 2008. Rates are subject to change. Please check with your local branch, or call if we can answer any questions. Secured Loans APR Range New Autos Model Years 2007 or newer 0 - 60 months 5.49% - 14.49% 61 - 72 months 5.69% - 14.69% 73 - 84 months 6.69% - 15.69%   Used Autos Model Years 2001-2006 0 - 60 months 5.99% - 14.99% 61 - 72 months 6.19% - 15.19% 73 - 84 months 7.19% - 16.19%   Green Auto Loan Hybrid Autos- model years, 2004 or newer 0 - 60 months 5.24% - 14.24% 61 - 72 months 5.44% - 14.44% 73 - 84 months 6.44% - 15.44%   New / Used Motorcycles Model Years 2001 - 2008 0 - 60 months 6.99% - 15.99% 61 - 72 months 7.99% - 16.99%   RVs, Boats, Marine Mortgages 0 - 84 months 6.99% - 15.99% 85 - 144 months, 10% down 7.99% - 16.99%   Older Used Autos. Water and Snow Craft Model Years 1993 - 2000 0 - 60 months 7.49% - 16.49%   Share Secured 24 months Share rate +3.50%   Certificate Secured Loans Certificate maturity date Certificate rate + 3.50%   Unsecured Loans APR Range Personal Loan 0 - 60 months 11.95% - 18.95%   Personal Line of Credit $25 annual fee, waived if $25 or more in total finance charges paid in previous 12 months   11.95% - 18.95%   VISA Gold No annual fee, 25-day grace period 9.95% - 16.95%   VISA Platinum Extra Awards Program, $25.00*+ annual fee, 25-day grace period   9.95% -16.95% *+$25 annual fee refunded if member has $2,500 in annual purchases Home Equity Term APR Range Fixed Home Equity Up to 80% LTV Maximum 5 Years 5.99% - 7.74% Up to 80% LTV Maximum 10 Years 6.49% - 8.24% Up to 80% LTV Maximum 15 Years 6.99% - 8.74% 80% - 90% LTV Maximum 5 Years 7.24% - 7.99% 80% - 90% LTV Maximum 10 Years 7.74% - 8.49% 80% - 90% LTV Maximum 15 Years 8.24% - 8.99%   30/7 Home Equity Loan Up to 80% LTV Max. 7 years, (payments amortized over 30 years) 6.69% - 8.44% 80% - 90% LTV Max. 7 years, (payments amortized over 30 years) 7.94% - 8.69% Even though payments are amortized over 30 years the loan's term is 7 years. After 7 years you can simply rewrite the loan with Sound (or another lending institution) or pay the loan off in full. Home Equity Line Of Credit Up to 80% LTV 5.00% - 8.00% 80% - 90% LTV 7.00% - 8.00% (on appraised or assessed value) Variable rates as low as PRIME♦. Maximum loan amount is determined by amount of equity in home. Access the account through Home Equity Line of Credit checks or VISA Gold Credit Card. Accounts may also be accessed at ATMs and Point of Sale locations, via the telephone or in person at the credit union. * APR = Annual Percentage Rate. Subject to credit approval. Your rate and credit limit will be determined based on individual creditworthiness including income, debt ratio, employment and equity in your home. Homeowners insurance required. A $295 early closure fee is applied if the loan is closed within the first 36 months. Must be a Sound Credit Union member to participate and anyone who lives or works in WA can join. Membership at Sound Credit Union requires a savings account with a minimum balance of $25. This plan has a variable rate feature and an APR (corresponding to the monthly periodic rate) and the minimum payment may change as a result. Equity in your home is based on tax assessed value or appraised value. The annual percentage rate includes only interest and no other costs and is based on the value of an index. This index is the Prime Rate published in the Wall Street Journal and is current as of 07/01/08 and could change at any time. Most home equity loans qualify for deductible interest. Consult your tax advisor for details. Non-owner occupied and manufactured home fixed home equity rates are 1.25% higher than above-stated rates; non-owner occupied and manufactured home HELOC rates: 7.00%-8.00%; maximum LTV 80%; maximum loan amount $50,000. ** Except appraisal needed.  ♦ How to Determine the Current Prime Rate The Index is the highest rate of interest identified as the 'Prime Rate' in the 'Money Rates' column of the Wall Street Journal. You will use the most recent Index available to you as of 5 days before the date of any change to the ANNUAL PERCENTAGE RATE. To determine the ANNUAL PERCENTAGE RATE, which will apply to your account, a margin will be added to your current Index rate.

---

FIRST MORTGAGES

Sound Credit Union offers a wide variety of fixed and adjustable rate mortgage products. Call our Real Estate Department at (253) 383-2016 for current rates and information.

Receive a Cash Rebate

When You Buy or Sell Your Home!

We've partnered with HomeSold, a cash rebate program that offers members 25% of your agent's actual commission every time you buy or sell a home.

YOUR RATE AND TERM WILL BE DETERMINED BY INDIVIDUAL CREDIT WORTHINESS INCLUDING INCOME, DEBT RATIO, EMPLOYMENT AND CREDIT HISTORY.

STUDENT LOANS

Sound Credit Union offers two types of government-sponsored student loan products: The Stafford Loan (for students) and the PLUS loan (for parents). These guaranteed student loans are processed through a credit union student loan network. Applicants are asked to fill out the required Free Application for Federal Student Aid (FAFSA). Approved loan amounts are based on individual financial need as determined by the Government's Student Aid Report (SAR).

LAND LOANS

Where some people see vacant land, you see your dream home, or the perfect vacation getaway. Sound offers a loan that will help you see your dreams come true. Sound's land loan helps members buy land now for building a home in the near future.

• Borrow up to $500,000 to secure zoned residential property in Washington State (up to ten acres)
• Competitive, fixed rates that are amortized over 20 years
• Borrow up to 75% of the value of the land
• Enjoy seven years to pay off the loan

Land Loans	Term	Rate	APR *	Fee
Improved Land
75% Financing LTV	Max 7 Years, (amortized over 20 years)	7.99%	8.354%	1% Origination Fee
Unimproved Land
65% Financing LTV	Max 7 Years, (amortized over 20 years)	8.49%	8.859%	1% Origination fee

*APR = ANNUAL PERCENTAGE RATE. APR based on a loan amount $100,000 with 25% down payment on a "20 year amortization" with a "7 year balloon". Improved land must have public water or drilled well, public sewer or septic feasibility required, and power be provided at site boundary. Loan approval is based on your credit history and credit qualifications. We will finance up to 75% of the appraised value or purchase price. To calculate the Loan-to-Value (CLTV), take the land loan amount and then divide that by the value of the land. Property must be zoned residential and cannot exceed ten (10) acres. Maximum loan amount $500,000. Sound Credit Union must be in first lien position. 1% origination fee and other third party fees apply. Property must be located in Washington. Additional terms may apply; contact the Credit Union for more information.

This Rate and Fee Schedule sets forth current conditions, rates, fees and charges applicable to your accounts at Sound Credit Union at this time. The Credit Union may offer other dividend rates, annual percentage yields and fees or amend the dividend rates, annual percentage yields and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.