| L O A N R A T E S |
| Risked Based Rates: Term: APR Rates: (by credit score) -100 -70 0 +125 +300 +550 Basis Pts. Basis Pts. Basis Pts. Basis Pts. Basis Pts. Basis Pts. A+ A B C D E 730+ 729-680 679-640 639-600 599-550 549-lower Secured: New Auto/Truck 1-36 months 4.99% 5.29% 5.99% 7.24% 8.99% 11.49% Motorcycle 37-60 months 5.29% 5.59% 6.29% 7.54% 9.29% 11.79% 2008 & Newer** 61-72 months 5.59% 5.89% 6.59% 7.84% 9.59% 12.09% Used Auto/Truck 1-36 months 5.99% 6.29% 6.99% 8.24% 9.99% 12.49% Motorcycle 37-60 months 6.29% 6.59% 7.29% 8.54% 10.29% 12.79% 2007-2006** Used Auto/Truck 1-36 months 6.99% 7.29% 7.99% 9.24% 10.99% 13.49% Motorcycle 37-48 months 7.29% 7.59% 8.29% 9.54% 11.29% 13.79% 2005 & Older** New RV/Camper 1-48 months 5.75% 6.05% 6.75% 8.00% 9.75% 12.25% Boat/Off Road 49-96 months 6.00% 6.30% 7.00% 8.25% 10.00% 12.50% 2008 & Newer** 97-120 months 7.25% 7.55% 8.25% 9.50% 11.25% 13.75% Used RV/Camper 1-48 months 6.75% 7.05% 7.75% 9.00% 10.75% 13.25% Boat/Off Road 49-96 months 7.30% 7.60% 8.30% 9.55% 11.30% 13.80% 2007-2006** 97-120 months 8.25% 8.55% 9.25% 10.50% 12.25% 14.75% Used RV/Camper 1-48 months 7.75% 8.05% 8.75% 10.00% 11.75% 14.25% Boat/Off Road 49-96 months 8.00% 8.30% 9.00% 10.25% 12.00% 14.50% 2005 & Older** 97-120 months 9.25% 9.55% 10.25% 11.50% 13.25% 15.75% Personal: 1-12 months 8.00% 8.30% 9.00% 10.25% 12.00% 14.50% 13-36 months 9.50% 9.80% 10.50% 11.75% 13.50% 16.00% 37-60 months 11.00% 11.30% 12.00% 13.25% N/A N/A Home Equity: Maximum Amount of 85% of Appraised Value (minus current mortgage) 1-60 months 6.40% 84 month SPECIAL as low as 4.75% Maximum Amount of 80% of Aprraised Value (minus current mortgage) 61-120 months 6.90% 121-180 months 7.25% Unsecured: Overdraft Maximum Amount of $3,000.00 15.00% Line of Credit Maximum Amount of $10,000.00 15.00% DISCLOSURES * If a book value is unavailable, an appraisal from a qualified appraiser can be used. ** Annual Percentage Rate is determined by individuals credit worthiness. ~ Relationship Discount: Checking with Debit Card and Direct Deposit gets you .50% off on all consumer loans excluding Home Equity, Overdraft & LOC accounts. ~ Silver Savers are entitled to a .50% rate reduction on all consumer loans (not Home Equity, Overdraft/LOC) LOAN LIMIT - UNSECURED: LOAN LIMIT - SECURED: A+ & A = Up to 3 times gross monthly income A & B = Up to 100% of MSRP B & C = Up to 2 times gross monthly income C = Up to 90% of MSRP D & E = Up to 1 times gross monthly income D & E = Up to 80% of MSRP OVERDRAFT: Line Amount: $1 - $500 $501- $1,000 $1,001- $1,500 $1,501- $2,000 $2001-$3000 Minimum Payment: $25.00 $30.00 $45.00 $60.00 $75.00 LINE OF CREDIT: Line Amount: $1 - $1,000 $1,001 - $2,000 $2001-$3000 $3001-$4000 $4001-$5001 Minimum Payment: $50.00 $100.00 $150.00 $200.00 $250.00 $5001-$6000 $6001-$7000 $7001-$8000 $8001-$9000 $9001-$10,000 $300.00 $350.00 $400.00 $450.00 $500.00 |
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| Effective 4/1/08 |
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