RATES ARE EFFECTIVE AS OF 10/01/2009

All Loan rates quoted are Annual Percentage Rates (APR) - As Low As - Actual APRs may vary and are subject to change based on individual credit.

Loans are subject to normal credit standards

90 Day No Pay on Secured Loans - Finance without the hassle of a payment for 90 days!

Repayment Terms - An example of a typical repayment schedule would be: 60 monthly payments at 8.50% APR for $20.53 per $1,000.00 borrowed.

New and Used Automobiles and Trucks Auto Terms 2004 to 2005- 48 months max 2006 to 2008 - 66 months max 2009 - 72 months max 72 months - minimum ATF $20,000 LOAN TYPE TERM NEW PURCHASE RATE AS LOW AS REMARKS Equity Fixed Rate - Less than 90% MSRP (New) or NA Up to 60 Months 5.69% For purchases only. For tiers A+, A and B only. Fixed Rate - (up to 100% of purchase price, MSRP or NADA Retail Value) 12 to 36 Months 5.79% Fixed Rate - (up to 100% of purchase price, MSRP or NADA Retail Value) 37 to 48 Months 5.89% Fixed Rate - (up to 100% of purchase price, MSRP or NADA Retail Value) 49 to 60 Months 5.99% Longer terms available. Actual rate depends on credit, term, and collateral. New or Used Recreational Vehicles (MotorHome & Travel Trailer) - Models 2004 and newer LOAN TYPE TERM NEW PURCHASE RATE AS LOW AS Any Amount - up to 60 months 12 to 60 Months 7.49% $10,001 - $50,000 - up to 120 months 61 to 120 Months 7.99% Over $50,000 - up to 180 months 61 to 180 Months 8.49% RV's, Boats & Motorcycles A+ 100% MAX LTV A 90% MAX LTV B 85% MAX LTV C 80% MAX LTV New or Used Boats - Models 2004 and newer LOAN TYPE TERM NEW PURCHASE RATE AS LOW AS Any Amount - up to 60 Months 12 to 60 Months 7.49% $10,001 to $50,000 - up to 120 Months 61 to 120 Months 7.99% Over $50,001 - up to 180 Months 61 to 180 Months 8.49% New or Used Motorcycle, Jet Ski & ATV - Models 2004 and newer LOAN TYPE TERM NEW PURCHASE RATE AS LOW AS NEW 12 to 60 Months 7.99% USED 12 to 48 Months 8.49%

Other type loans also available - call our 24 hour LoanLine at 972-578-5000 for rates and terms We're on the Web: www.viewpointbank.com

ALL RATES AND TERMS SUBJECT TO CHANGE WITHOUT NOTICE

Personal Installment Loans TERM RATE AS LOW AS Unsecured 12 to 48 Months 9.99% Personal Line of Credit TERM VARIABLE LOAN RATE AS LOW AS Line of Credit (LOC) * variable 9.75% * Repayment Term is 3.0% Outstanding Monthly or $25 whichever is greater. Wall Street Journal Prime Rate* plus a Margin of 6.5% to 11%. *Wall Street Journal Prime Rate as of 12/17/08 is 3.25% Stock Secured TERM RATE AS LOW AS Stock Secured 12 to 60 Months 7.99% See remarks for Stock Secured loans (61 to 144 months) below. Stock Secured 61 to 144 Months 8.99% 75% of current value or 75% of 12 month average of 52 week high / low, whichever is less, if the stock is already owned for over 6 months and 50% of the current market value on stock purchased prior to 6 months of the loan inception. Stocks not actively traded on New York Stock Exchange, American, or NASDAQ wll require evaluation and approval by the President or Executive Committee prior to being deemed acceptable security. (Note: Must complete G-3 form in these instances.) Savings Secured TERM VARIABLE LOAN RATE MARGIN AS LOW AS Savings Secured 12 to 60 Months Savings Rate + 3.00% to 6.00% Margin 100% Loan to Value. Balance in savings must equal or exceed loan balance interest due on term loans. Variable Rate Loan CD Secured TERM Rate As Low As CD Rate + 3% to 6% Margin 12 to 48 Months Up to 100% LTV

ADDENDUM TO LOAN RATES SAVINGS AND CD SECURED LOANS

The restrictions for Savings Secured Loans are: **** Variable Rate Loan **** The annual percentage rate on this loan may change based on the Interest rate paid on the Savings account securing this loan (Index), plus a margin of 3% to 6%. The annual percentage rate will change on the 1st day of the month following a change in the index. Approved Accounts: Regular Savings and CDs Add 3.00% to 6.00% to Savings Rates Max Term is 60 Months The minimum loan amount is $500

The restrictions for CD Secured Loans are: Add 3.00% to 6.00% to CD Rates and only applies to ViewPoint Bank CD. The maximum loan term cannot exceed the CD term. Single pay loans can not exceed six months with a minimum of 90 days. Add 3.00% to 6.00% to CD Rates Max Term is 48 Months The minimum loan amount is $500

RISK BASED: Exceptions to customers that would not normally qualify for a regular secured or unsecured loan will be reviewed by a Lending Center Loan Officer or higher with lending authority. For these exceptions, the following procedures will apply: Savings must be on deposit with ViewPoint Bank. Loan advance cannot exceed 100% of the deposit balance. Loan rate to be a minimum of 600 basis points over the deposit rate. Funds used must be collected. Customers receiving this loan accommodation should understand we do not intend to spend any effort collecting the monthly payments. The first time the loan falls 30 days delinquent, the savings will be converted to payoff the loan balance. Additionally, this could preclude our extending future credit of any type.

ALL RATES AND TERMS SUBJECT TO CHANGE WITHOUT NOTICE