101 E. High Street or 215 Southland Drive Lexington, Ky. (859) 233-4500

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Mortgage Rates as of

09/01/2010

30-yr Fixed        4.25% - 1.00% orig. APR 4.362%

15-yr Fixed        3.75% - 0.25% orig. APR 3.834%

FHA 30-yr Fixed4.25% - 0.00% orig. APR 4.393%

10-yr Fixed         3.75% - 0.00% orig. APR 3.819%

*All rates are subject to a 1.00% origination fee unless quoted above. Rates are based on loans of $175,000. All rates have a rate lock of 45 days minimum. All rates quoted are for owner-occupied residential properties. All rates are subject to change.

Our Mission Statement

We operate our bank for a fair return to our stockholders. Our plan is to deserve the profit because we deliver a quality personal service our clients deserve and want.

Our guidelines for this service:

• "Do unto others as you would have them do unto you."
• Honesty
• Integrity
• Confidentiality
• Patience - Understanding
• Immediate action
• Go the extra mile
• Kindness
• Spirit of friendliness and teamwork
• Responsiveness to needs 
• Knowledge of products
• Know our clients by name
• Keep a sense of humor

We believe that by carrying out this mission each and every day, we will reach our primary goal: to remain an independent bank.

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