* Annual Percentage Rate (APR) as low as 6.49% for a 5-year home equity loan. Rate is accurate as of May 14, 2008 . Application required and normal credit criteria apply. APR for loans 79.9% loan-to-value or less. Rate requires automatic payment. Add 0.50% without automatic payment. Other rates and payment terms available. Refinances of current Thrivent Financial Bank loans require additional $5,000 new money. Property insurance required. Offer subject to change without notice. An example of credit terms for this offer follows: a $25,000 loan at a simple interest rate of 6.49% amortized over 360 months has 59 monthly payments of $157.85 followed by 1 payment of $23,558.07. This Home Equity Product is not offered in TX. Prime Rate as of May 14, 2008 is 5.00%.

** The Prime Rate as of May 14, 2008 is 5.00%, with a corresponding variable Annual Percentage Rate (APR) as low as 5.00% and assumes automatic payment. Add 0.50% to the APR without automatic payment. For loans of 79.9% loan-to-value or less. Certain restrictions apply. Application required and normal criteria apply. This rate is subject to change on the first of the month, but will not be lower than 5.00% and in no case will exceed 26%. You may incur closing costs of $25 to $500. $50 annual inactivity fee waived first year. Property insurance is required. Minimum periodic payments of monthly bills are credited as interest only payments. Interest only payments made during the term of the loan may not fully amortize the outstanding balance and may result in a balloon payment. Consult your tax advisor regarding the deductibility of interest. Subject to change without notice. Home Equity Lines of Credit are not offered in TX. The minimum Annual Percentage Rate that will apply to the rate lock for up to three portions is 5.50%, with a maximum of 26%.

*** Annual Percentage Rate. The advertised rate is based on loans with 80% or less loan-to-value ratio for loans up to $100,000 and closing costs of $975. Call for details whether additional closing cost fees may apply that will affect your APR. Call for details on mortgage plans for loans greater than $100,000. An example of credit terms follows: A $100,000 loan at a simple 5.63% interest rate for 120 months has monthly payments of $1,091.47. Application required and normal credit criteria apply. Subject to credit approval. Rate accurate as of May 14, 2008 and is subject to change without notice. This offer is not available on investment properties.

**** Annual Percentage Rate (APR) as low as 6.49%. Refinances of current Thrivent Financial Bank loans require $5,000 new money. Application required and normal credit criteria apply. Rate requires automatic loan payment from checking account. Add 0.50% without automatic payment. Other rates and payment options available. An example of credit terms for this offer follows: A $20,000 loan for 48 months at 6.49% has a monthly payment of $474.21. Rate current as of May 14, 2008 . Rates subject to change without notice.