*APR=Annual Percentage Rate. Advertised introductory APR is for "A", "B" and "C" borrowers at a maximum loan to value at 80%. The introductory rate for the first year of the loan is 3.99%. The standard non-promotional rate for a loan to value (LTV) at 80% is between 6.50% - 7.75%. This is accurate as of 1/31/10. Rate is subject to credit qualification. The non-promotional rate will be fixed and disclosed within the loan documents. Maximum APR is 18%. Home value is based on county tax assessment when available or Automated Valuation Methods (AVM). Customer may choose to pay for a full appraisal if tax assessment or AVM is disputed. Property must be a single family home and owner occupied. You must carry insurance on the property that secures this loan for an amount equal to or greater than the first and second mortgage amounts. Flood Insurance may be required if you are located in a flood zone. Minimum loan amount is $10,000. New member accounts only. Existing CommunityAmerica members may qualify and be assessed an origination fee of $150 for transferring their existing CommunityAmerica loan to the advertised rate. Early loan termination fees may also apply. Kansas residents are required to pay state mortgage tax of $2.60 per $1,000 of mortgage filed. Offer not valid in New York or Texas. Offer subject to change or expire without notice. Promotion ends 10/31/10. Consult a tax advisor concerning tax deductibility. This credit union federally insured by the National Credit Union Administration.