| 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 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% Unsecured: 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 - UNSECURED: 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 CREDIT: 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 |
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| Effective 1/1/2010 |
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