Featured Rates: Home Equity Line of Credit: Simple interest rate as low as 5.00% and corresponding APR of 5.00%.* 10-Year Mortgage: 10-Year Mortgage: 5.88% Fixed Simple-Interest Rate with a corresponding APR of 6.09%. **

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Beth Holewinski Personal Banker 866-226-5225, Ext. 4732 Contact Me My eight years of consumer lending experience have taught me that patience and good listening skills are key to making customers happy. Everyone has a choice in where they decide to bank. My goal is to give them unparalleled service so the choice is simple. In my spare time, I enjoy working with my husband on projects in the house and yard.		Dave Sherwin Personal Banker 866-226-5225, Ext. 3007 Contact Me For the past 15 years, I have served as a consumer lender specializing in home equity loans and auto lending. In my position with Thrivent Financial Bank, I pride myself on outstanding service and delivering quality lending products to our customers. Before my career in banking, I worked in the fields of nursing and law enforcement, which also focus on helping people and improving their lives. I have three wonderful daughters. When time and weather allow, I’ll be teeing up a drive on a favorite golf course.
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Ron Chmieleski Field Account Executive/Loan Officer Downers Grove, IL 630-598-2124 Contact Me As a Lending Professional with Thrivent Financial Bank, my focus is on doing what’s right for my Clients, and I take great pride and satisfaction in helping people. A lifelong resident of the Chicago area, my business background includes a rewarding career with McDonald’s Corporation at their World Headquarters in Oak Brook, IL. I transitioned into the Mortgage Industry 6 years ago, and I thoroughly enjoy consulting with and helping Clients understand how the lending choices they make can enhance their lives. I have been blessed with a positive outlook on life, and I try to share that attitude with the people around me. My personal interests and passions include a variety of outdoor activities (especially golf), driving, relaxing with good music; and my Weber grill rarely has a chance to rest!

* The simple interest rate as of November 17, 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 7.50%, with a maximum of 26%. The Prime Rate as of November 17, 2008 is 4.00%.

** 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 5.88% interest rate for 120 months has monthly payments of $1,104.19. Application required and normal credit criteria apply. Subject to credit approval. Rate accurate as of November 17, 2008 and is subject to change without notice. This offer is not available on investment properties.