Loan rates as of April 1, 2008 and are subject to change.

Loan Account Type Term Introductory Rate Annual Percentage Rate Tools Secured Loans Share Certificate Secured Loan  N/A N/A 3.00% margin over securing deposit Member Savings Loan  36 N/A 7.00% Unsecured Loans Personal Line of Credit Open-ended N/A 10.50 - 21.00% Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness. You will be notified of the base rate for which you qualify when your loan request is approved.

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