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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       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%

Unsecur
ed:
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 - UNSECURE
D:                                  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- $2,00 $2001-$3000
Minimum Payment:           $25.00             $30.00                  $45.00                  $60.00                $75.00


LINE OF CREDI
T:
Line Amount:                
$1 - $1,000  $1,001 - $2,000 $2001-$3000  $3001-$400 $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     
***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 4/1/08