* The simple interest rate as of October 9, 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 October 9, 2008 is 4.50%.

** 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 5.50% interest rate for 120 months has monthly payments of $1,085.26. Application required and normal credit criteria apply. Subject to credit approval. Rate accurate as of October 9, 2008 and is subject to change without notice. This offer is not available on investment properties.

*** Annual Percentage Rate (APR) as low as 5.99%. 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 5.99% has a monthly payment of $469.61. Rate current as of October 9, 2008. Rates subject to change without notice.

**** Annual Percentage Yield (APY) for deposits of $10,000 or more. You must maintain a minimum daily balance of $10,000 to earn the APY. A minimum balance of $2,500 is required to open a Relationship Rewards Account. You must also have an active checking account with direct deposit at Thrivent Financial Bank to open the account. A Relationship Rewards Account must be funded with money not already on deposit with Thrivent Financial Bank. Daily balances less than $10,000 but greater than or equal to $2,500 earn an APY of .50%. APYs are accurate as of October 9, 2008. Interest rate and APY may change after the account is opened. Fees could reduce earnings on the account.

***** 4.15% Annual Percentage Yield (APY) for deposits less than $100,000. APY is accurate as of October 9, 2008 for a 60-month CD. A minimum balance of $1,000 is required to open this account and earn the disclosed APY. Fees could reduce earnings. A penalty may be imposed for early withdrawal. Rate subject to change without notice.

****** 3.10% Annual Percentage Yield (APY) for deposits less than $100,000. APY is accurate as of October 9, 2008 for a 18-month CD. A minimum balance of $1,000 is required to open this account and earn the disclosed APY. Fees could reduce earnings. A penalty may be imposed for early withdrawal. Rate subject to change without notice.