Effective 05/25/2010

Financial calculator:
loanliner

Share & Club Share Accounts:
If minimum of $100 balance is met
• $1 - $1,999 - .40%
• $2000 - $4,999 - .65%
• $5,000 and over - 1.00%

Christmas Club Accounts:
Dividend declared of 2.00% to be paid on 10/1/10
• No withdrawals allowed unless closing account

Term Share Certificates of Deposit*:
$500 minimum balance
• 6 months - .75% yield-.75%
• 1 year - 1.10% yield-1.11%
• 2 year - 1.40% yield-1.41%

*Closing prior to maturity is subjected to a loss of 90 days dividend

Loan rates using our Performance Based Pricing

Autos & Motorcycles: 4.25% - 14.00%:
• new up to 100% financing & 72 month term
• used up to 90% financing & 60 month term

Recreational Collateral: 5.75% - 15.50%:
• new up to 100% financing & 144 month term
• used up to 90% financing & 144 month term
• Special terms for Boats and Motorhomes, financing up to 12 years

Home Equity - 5.00% - 11.50%:
5 year fixed rate, amortized up to 15 years
with a balloon payment after 5 years
• financing up to 80% LTV (Loan to Value) maximum $150,000
• minimal closing costs

Share Secured - 4.25% up to 72 month financing:
• limited to available share balances

Signature - 9.25% - 17.75%
• $10,000 maximum up to 60 months financing

Total of all loan balances excluding Home Equity is $75,000 per member. All share and loan rates are subject to change at the discretion of the Board of Directors, except in the instance of a previously advertised special whereby those special dates/terms are clearly disclosed and defined.