Rates

Tornado Shelter	3.00%	60	$5,000
Emergency Generator	3.00%	60	$5,000
Autos*	3.00%	84	*
Computer	6.00%	24	$2,500
Other Collateral	7.00%	*	*
Christmas	9.00%	12	$1,000
Signature	10%	36	$3,500
Secured Share	Sh + 1%	---	100% of Sh
Secured CD	CD + 1%	---	100% of CD
Loan	APR	Term (Mths)	Available

Policy Summary

Base Rates (As Low As) subject to change and adjustment for Credit Score.  Loans subject to approval.
*100% of MSRP/NADA/Kelley/Appraisal.  APR = Annual Percentage Rate

*Autos	Term
10,000-	36
10,000+	48
20,000+	60
30,000+	72
40,000+	84

**Other	Term
10,000-	36
10,000+	48
15,000+	60

Policy Summary

	Rate	APY	Min
Savings	0.40%	0.40%	$5
CD 6	0.80%	0.80%	$1,000
CD 12	0.95%	0.95%	$1,000
CD 24	1.00%	1.00%	$1,000
CD 36	1.15%	1.15%	$1,000
IRA	1.10%	1.10%	$0

Policy Summary

Penalty for early CD withdrawal.
All Dividends Compounded Quarterly.
Rates subject to change at Board discretion.
Savings Rate for most recent Quarter End.
IRA Rate applies to Current Quarter.

*APY = Annual Percentage Yield