Loan Rates

Effective Date: Septemeber 1, 2012

Loan Type Terms** Daily Periodic Rate APR*

Signature Line of Credit N/A .00032 - .00049 12.00% - 18.00%

Loan Type Terms** Daily Periodic Rate APR*

New Auto 48 Month .00008 - .00022 3.00% - 8.00%   60 Month .00009 - .00022 3.25% - 8.25%   72 Month .00010 - .00023 3.50% - 8.50%

Used Auto - 1 To 2 Years Old 54-60 Month .00013 - .00027 5.00% - 10.00% Used Auto - 3 To 4 Years Old 48 Month .00016 - .00030 6.00% - 11.00% Used Auto - 5 To 7 Years Old 36 Month .00019 - .00032 7.00% - 12.00% Used Auto - 8 or More Years Old 24 Month .00022 - .00035 8.00% - 13.00%

Loan Type Terms** Daily Periodic Rate APR*

New RV 60 Month .00013 - .00027 5.00% - 10.00%   72 Month .00016 - .00030 6.00% - 11.00%   84 Month .00018 - .00031 6.50% - 11.50%

Used RV - 1 To 2 Years Old 72 Month .00018 - .00031 6.50% - 11.50% Used RV - 3 To 4 Years Old 60 Month .00020 - .00034 7.50% - 12.50% Used RV - 5 To 9 Years Old 48 Month .00023 - .00037 8.50% - 13.50% Used RV - 10 or More Years Old 36 Month .00026 - .00039 9.50% - 14.50%

Loan Type Terms** Daily Periodic Rate APR*

New Motorcycle 60 Month .00015 - .00028 5.50% - 10.50%

Used Motorcycle - 1 To 2 Years Old 48 Month .00018 - .00031 6.50% - 11.50% Used Motorcycle - 2 or More Years Old 42 Month .00020 - .00034 7.50% - 12.50%

Loan Type Terms** Daily Periodic Rate APR*

Share Secured To 120 Month .000109 4.00%

Share Certificate Secured N/A See Receipt See Receipt

Variable Rate Share Certificate Secured:
The Annual Percentage Rate (APR) for advances secured by Share Certificate will be equal to the dividend rate being paid on the Share Certificate offered as security (index) plus a margin of 2%. The Share Certificate must be continuously renewed until the advance has been completely repaid. Failure to renew will result in a default under this plan. When the Share Certificate is renewed the APR will change to reflect the new index value and margin. Any increase or decrease in the APR will affect the number of monthly payments you will make under the account. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid. The APR and Daily Periodic Rate (DPR) will be disclosed on the Receipt (Voucher or Disbursement Receipt) provided at the time of the advance.

Risk Based:
The following disclosure applies to all sub accounts except Share Secured and Share Certificate secured. The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness. Please ask us for the rate that you qualify for.

Billing Rights:
Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement.

Advance Prepayments:
Any payments made, in any amount, in addition to the regular payments paid, will advance the sub account payment due date. Additional payments will advance the due date in accordance with the payment amount and frequency disclosed on the advance voucher. Additional payments made over and above the regular payments may allow the member to skip payments in the future (if desired) until the sub account payment due date is reached. Interest will continue to accrue on outstanding balances during such periods where payments are not made.

Late Charges:
If your payment is received 6 days or more after the due date, you agree to pay a late fee of 20% of the interest due. If you have an open-end loan a notice will be provided of at least 21 days prior to payment due date.

Minimum Payment:
Your minimum payment will never be less than $25.00.

Collection Costs:
You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney fees.