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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       5
.19%    5.49%     6.19%      7.44%       9.19%    11.69%
Motorcycle                37-60 months      5
.74%    5.99%     6.74%      7.99%       9.74%    12.24%
2009 & Newer**      61-72 months      6.04%    6.34%     7.04%      8.29%      10.04%    12.54%

Used Auto/Truck       1-36 months        5
.44%    5.74%     6.44%      7.69%      9.44%    11.94%
Motorcycle                37-60 months      5
.74%    6.04%     6.74%      7.99%      9.74%    12.24%
2008-2007**

Used Auto/Truck       1-36 months      
6.44%    6.74%    7.44%      8.69%     10.44%   12.94%
Motorcycle                37-48 months       6
.74%    7.04%    7.74%      8.99%     10.74%   13.24%
2006 & Older**

New RV/Camper       1-48 months        6
.11%    6.41%      7.11%      8.36%     10.11%    12.61%
Boat/Off Road          49-96 months       6
.36%    6.66%      7.36%      8.61%     10.36%    12.86%
2009 & Newer**     97-120 months     7.61%    7.90%      8.61%      9.86%     11.61%    14.11%

Used RV/Camper      1-48 months        7
.11%    7.41%       8.11%      9.36%     11.11%     13.61%
Boat/Off Road          49-96 months       7
.66%    7.96%       8.66%      9.91%    11.66%     14.16%
2008-2007**            97-120 months      8.61%    8.91%      9.61%    10.86%     12.61%     15.11%

Used RV/Camper      1-48 months        8
.11%    8.41%       9.11%     10.36%    12.11%     14.61%
Boat/Off Road          49-96 months       8
.36%    8.66%       9.36%     10.61%    12.36%     14.86%
2006 & Older**      97-120 months     9.61%    9.91%      10.61%     11.86%    13.61%    16.11%

Personal:               1-12 months         8.00%    8.30%      9.00%     10.25%     12.00%     14.50%
                                  13-24 months       9
.50%    9.80%     10.50%     11.75%    13.50%     16.00%
                        
25-36 months     11.00%  11.30%     12.00%     13.25%       N/A          N/A
                                  37-48 months    
12.50%  12.80%       N/A*         N/A         N/A          N/A
                          *(Base rate for category is 13.50%.  48 mo. for A+ and A scores only)


Home Equity:          Maximum Amount of 85% of Appraised Value (minus current mortgage)
                                   1-60 months             6
.40% 

                                   Maximum Amount of 80% of Aprraised Value (minus current mortgage)
                                   61-120 months     
  6.90%
                                   121-180 months      
7.25%
Unsecur
ed:
Overdraft                   Maximum Amount of $3,000.00        
  15.00%
Line of Credit            Maximum Amount of $6,000.00        
  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 .25% off on all consumer loans
                                            excluding Home Equity, Overdraft & LOC accounts.
~   Silver Savers are entitled to a .25% rate reduction on all consumer loans (not Home Equity, Overdraft/LOC)


LOAN LIMIT - UNSECURE
D:                                  LOAN LIMIT - SECURED:
A+ & A = Up to 3 times net monthly income            A+, A & B = Up to 100% of MSRP
B   &  C = Up to 2 times net monthly income            C = Up to 90% of MSRP
D   &  E = Up to 1 times net 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 CREDI
T:
Line Amount:         
$1 - $1,000   $1001 - $2000   $2001-$3000   $3001-$4000 $4001-$5000 $5001-$6000
Minimum Payment:      $50.00          $100.00             $150.00           $200.00           $250.00         $300
***Please note the following rates are for informational purposes only and may change at any time.  For the most current rates, contact our office.  Rates are disclosed as APR***
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Effective 1/1/2010