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RatesSecured & Unsecured Personal LoansSecured Consumer LoansRates effective January 1, 2008| Account Type | APR | Comments | | | | Share Variable | 2.5% over dividend rate | 2.5% over current share dividend, adjusted quarterly.
| | | | | Certificate | 2.5% over dividend rate | 2.5% over certificate dividend rate. The loan maturity must match the maturity of the certificate.
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Unsecured/Signature LoansRates effective January 1, 2008| Account Type | Type | APR | Maximum Term | Loan Amount | Monthly Payment | | | | 12 months | Closed-end | 14.9% | up to 12 months | $1,000.00 | $90.21 per $1,000*** |  |  | | | 24 months | Closed-end | 14.9% | up to 24 months | $1,000.01 - $2,500.00 | $48.45 per $1,000*** |  |  | | | 36 months | 36 months | Closed-end | 15.9% | $2,500.01 - $5,000.00 | $35.12 per $1,000*** |  |  | | | Revolving | Open-end* Revolving | Prime plus 7.25% | $250.00 - $3,500.00 | $4.16/$100.00 (Min $35.00) | Revolving Account |  |  | | | Overdraft | Open-end* Overdraft | Prime plus 7.25% | $500 | $4.16/$100.00 (Min $35.00) | Revolving Account |  |  |
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VISA® 25 Day Grace*Rates effective January 1, 2008| Account Type | APR | Loan Amount | Monthly Payment | Total Finance Charge | Total Payments | Comments | | | | VISA Credit Card | 12.9%* | $5,000.00 | 2% of balance or $10.00 per $1,000 | Revolving Account | Revolving Account | Fixed-rate VISA. Maximum rate of 16.5% APR.
|  |  | *VISA - 25 Day Grace is a fixed rate Visa. 12.9% APR is available until 06/30/08. The maximum annual rate is 16.50%.
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