|Share Secured/CD Secured Loan Rates|
|One Year Share Secured Loans||3.90% Fixed||$85.11|
|Share Certificate Secured Loans||2.00% Above CD Rate||Repayment terms dependent upon current certificate rate. Please call for details.|
*APR = Annual Percentage Rate.
**Monthly payment is based on your payment per $1,000 for APR rate and term.
Share Certificate Secured loans will be written with a balloon note feature with a maturity date that matches the maturity date of the Share Certificate.
The amortization term can extend to ten years for balloon notes.
Share secured loans can be amortized to ten years with a balloon date at 36 months.
All rates effective as of 12/20/2004.