Rates Efftective October 1, 2009.

Loan Type Rate Range APR* Term

Share Draft (Overdraft Protection) 16.50% 16.50% N/A

Unsecured 8.50% - 16.00% 8.50% - 16.00% 60

Collateralized Loans 5.25% - 14.50% 5.25% - 14.50% 72

Collateralized Loans 4.75% - 13.00% 4.75% - 13.00% 60

Collateralized Loans 4.50% - 12.25% 4.50% - 12.25% 48

Collateralized Loans 4.25% - 12.00% 4.25% - 12.00% 36

VISA Credit Card 7.90% - 12.90% 7.90% - 12.90% N/A

*APR - Annual Percentage Rate
All rates are subject to change without notice.
Terms and rates based on soundness of credit.