Deposit Rates

Current deposit rates are for the benefit of Big Horn Federal Customers or those individuals living within the bank's trade and/or market area. Based on Big Horn Federal's excess liquidity, the Patriot Act, our Customer Information Policy and our current Out of Area Deposit Policy, the bank will not accept deposits from outside our market area. These present policies require that you be a bonafide resident within our delineated market area which is the Big Horn Basin of North Central Wyoming.

If through due diligence, we find accounts which were opened from outside the bank's market area, those accounts will be closed and the funds returned to the depositor. If returned funds checks do not clear in a timely manner the proceeds will be escheated to the State of Wyoming.

PLEASE CHECK THE TRUTH IN SAVINGS DISCLOSURES PROVIDED FOR EACH DEPOSIT PRODUCT.

Deposit Account Rates

**Rate will vary based on balance in account at the end of the day.

• THE ANNUAL PERCENTAGE YIELD (APY) IS ACCURATE AS OF May 12, 2008
• THE ANNUAL PERCENTAGE YIELD (APY) SHOWN ASSUMES INTEREST REMAINS ON DEPOSIT UNITL MATURITY
• A WITHDRAWAL WILL REDUCE EARNINGS
• FEES ASSESSED ON SOME OF THE ACCOUNTS LISTED ABOVE COULD REDUCE EARNINGS
• EARLY WITHDRAWAL OF A CERTIFICATE OF DEPOSIT COULD RESULT IN LOSS OF PRINCIPAL
• REMINDER TO OUR CUSTOMERS: FEDERAL REGULATIONS REQUIRE US TO LIMIT THE NUMBER OF PREAUTHORIZED , AUTOMATIC, TELEPHONE, OR ONLINE TRANSFERS FROM PICK A RATE AND NON-TRANSACTIONAL SAVINGS ACCOUNTS, TO OTHER ACCOUNTS OF YOURS OR THIRD PARTIES. THE LIMIT IS SIX PER STATEMENT PERIOD, OF WHICH ONLY THREE MAY BE PAYMENTS BY CHECK

LOAN DISCLOSURES

Current loan rates are for the benefit of Big Horn Federal Customers or those individuals living within the bank's trade and/or market area. Based on Big Horn Federal's Customer Information Policy and the Patriot Act, the bank will not make loans outside our market area. These present policies require that you be a bonafide resident within our delineated market area which is the Big Horn Basin of North Central Wyoming.

PLEASE CHECK WITH YOUR LOCAL LOAN OFFICER FOR ADDITIONAL LOAN INFORMATION AND UNDERWRITING GUIDELINES.

CURRENT INSTALLMENT LOAN RATES

80% Maximum Loan to Purchase Price
APR's are based on a $20,000 loan amount.

80% Maximum Loan To Value For All Vehicles In This Category.
*61-72 Months Available on NEW Cars & Trucks Only.

70% Maximum Loan to Value For All Vehicles In This Category.
** APR's are based on a $10,000 loan amount.
***APR is based on a $2,000 loan amount and a term of 18 months.
(1) 2% above rate on Savings Instrument

CURRENT MORTGAGE LOAN RATES
Loan to Value of 60% to 80%

*Please contact one of our offices to obtain a current 30 year mortgage rate.
**NY Prime
APR's for the above mortgage loans is based on $100,000 loan amount.
(1) The adjustable rate index is based upon the 12th District Federal Home Loan Bank’s Quarterly Cost of Funds or the U.S. Treasury 1 Year Constant Maturity Rate.
(2) The rate is equal to the High N.Y Prime Rate as quoted in the Wall Street Journal if the Bank’s mortgage position is not subordinate to another lender. The rate is .25% above the High N.Y. Prime Rate as quoted in the Wall Street Journal if the Bank’s mortgage position is subordinate to another lender.

CURRENT MORTGAGE LOAN RATES
Loan to Value of 40% to less than 60%

*Please contact one of our offices to obtain a current 30 year mortgage rate.
**NY Prime
APR's for the above mortgage loans is based on $100,000 loan amount.
(1) The adjustable rate index is based upon the 12th District Federal Home Loan Bank’s Quarterly Cost of Funds or the U.S. Treasury 1 Year Constant Maturity Rate.
(2) The rate is equal to the High N.Y Prime Rate as quoted in the Wall Street Journal if the Bank’s mortgage position is not subordinate to another lender. The rate is .25% above the High N.Y. Prime Rate as quoted in the Wall Street Journal if the Bank’s mortgage position is subordinate to another lender.

CURRENT MORTGAGE LOAN RATES
Loan to Value of less than 40%

*Please contact one of our offices to obtain a current 30 year mortgage rate.
**NY Prime
APR's for the above mortgage loans is based on $100,000 loan amount.
(1) The adjustable rate index is based upon the 12th District Federal Home Loan Bank’s Quarterly Cost of Funds or the U.S. Treasury 1 Year Constant Maturity Rate.
(2) The rate is equal to the High N.Y Prime Rate as quoted in the Wall Street Journal if the Bank’s mortgage position is not subordinate to another lender. The rate is .25% above the High N.Y. Prime Rate as quoted in the Wall Street Journal if the Bank’s mortgage position is subordinate to another lender.

CONSTRUCTION LOANS – Single Family & 1-4 Family

CURRENT MORTGAGE LOAN RATES

APR based on a $50,000 loan with a 10 year term.

**APR's are based on a $100,000 loan amount.
1) The adjustable rate index is based upon the 12th District Federal Home Loan Bank's Quarterly Cost of Funds or the U.S. Treasury 1 Year Constant Maturity Rate.
2) Rural properties and properties which lack city utilities, streets, and/or services require a loan to value ratio of 70% or less, if the term exceeds 15 years.

APR is based on a $80,000 loan amount.

APR is based on a $60,000 loan amount.

APR is based on a $30,000 loan amount.

CURRENT COMMERCIAL LOAN RATES

(1) Adjusting annually at the High New York Prime Rate +.50%, with a floor of 6.0%.
(2) Adjusting at the end of the third and sixth years at the High New York Prime Rate +1.00%, with a floor of 6.0%.
(3) Adjusting at the end of the fifth year at the High New York Prime Rate +1.50%, with a floor of 6.0%.

The above rates apply to Commercial Loans and Lines of Credit that are secured by chattel assets or a combination of chattel and real estate assets.

(1) Adjusting annually at the High New York Prime Rate + .25%, with a floor of 6.0%.
(2) Adjusting at the end of the third, sixth, ninth, and twelfth years at the High New York Prime Rate +0.50%, with a floor of 6.0%.
(3) Adjusting at the end of the fifth and tenth years at the High New York Prime Rate +.75%, with a floor of 6.0%.

The above rates apply to Commercial Loans and Lines of Credit that are secured by the Borrower’s real estate assets and not a combination of real estate and chattel assets.

AGRICULTURAL OPERATING LINES OF CREDIT AND TERM LOANS FOR LIVESTOCK AND EQUIPMENT

AG REAL ESTATE LOANS

(1) Adjusting annually at the High New York Prime Rate +.25%, with a floor of 6.0%.
(2) Adjusting at the end of every third year at the High New York Prime Rate +0.50%, with a floor of 6.0%.
(3) Adjusting at the end of every fifth year at the High New York Prime Rate +.75%, with a floor of 6.0%.

The above loan rates are effective as of May 1, 2008 and are subject to change without notice. Please check at any of our offices to be sure that these rates are current prior to submitting an application.