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Consumer & Auto Loan Rates Rates for personal Auto Loans.

Effective Date: September 10, 2010

LOAN TYPE	MAXIMUM AMOUNT	MAXIMUM TERM	APR*
Unsecured Loan (36 mos.) A signature loan based on income and credit history.	$20,000	Up to 3 years (36 mos.)	5.75% to 11.00%
		Up to 5 years (60 mos.)	6.50% to 11.75%
New Automobiles A loan secured by an automobile which is less than 9 months old from date it was first sold and has been driven less than 10,000 miles. **	Up to 110% of MSRP *** plus tax and license	Up to 5 years (60 mos.)	4.00% to 9.25%
	Up to 90% MSRP *** plus tax and license	Up to 5 years (60 mos.)	4.00% to 9.25%
	Up to 115% of MSRP *** plus tax and license	6 years (72 mos.)	4.25% to 5.50%
	Up to 120% of MSRP *** plus tax and license	Up to 6 years (72 mos.)	4.25% to 5.50%
	Up to 125% of MSRP * plus tax and license. Minimum MSRP * of $27,000	Up to 7 years (84 mos.)	4.25% to 5.50%
Used Automobiles A loan secured by an automobile that is up to 5 years old with 75,000 miles or less. **	Up to 125% of Blue Book retail value	Up to 7 years (84 mos.)	5.00% to 10.25%
Share Secured Loans Loan fully secured by shares. Immediate loan approval.	100% of unencumbered shares	Up to 5 years (60 mos.)	2.50% above share account dividend rate at the time the loan is closed.
Loans Against Share Certificate Account Loan secured by a share certificate. Immediate loan approval.	Maximum 90% of the certificate amount	Loan is due on the date that the share certificate matures. Maximum term of 12 months.	2.0% above the dividend rate on the share certificate that is used as collateral for this loan.

* Annual Percentage Rate. Rates are subject to change without notice.

All loans subject to credit approval.

(+) Subject to insurance confirmation.

** Manufacturer's Suggested Retail Price.

NO LOAN HAS A PRE-PAYMENT PENALTY.