New Autos

4.0 % for 3 years

4.5 % for 4 years

5.0 % for 5 years

Maximum $40,000

100% financing does not include taxes, registration or fees

Used Autos

5.0 % for 36 months 2004 model or newer

6.0% for 48 Months 2004 model or newer

Maximum $30,000

100% financing does not include taxes, registration or fees

FOR NEW VARIABLE RATE HOME EQUITY LOANS

Prime minus 1.00% For Term of Loan

$20,000 to $90,000

2% Annual Rate Cap, 5% For Term of Loan

FIRST MORTGAGES NOW AVAILABLE

NO APPLICATION FEE, NO POINTS, NO PREPAYMENT PENALTY

15 YEARS - 5.60%    30 YEARS - 6.25%

FOR NEW HOME EQUITY LINE OF CREDIT

PRIME minus 0.75% FOR TERM OF LOAN 5 YEAR DRAW, 10 YEAR PAY BACK

Choice of

Home Equity Loans

No points

No closing costs on new loans!

Fixed Rates:

5.0% for 4 to 5 years for $15,000 - $60,000

6.0% for 4 to 10 years for $20,000 - $90,000

Variable Rate:

Prime minus 1.00% for term of loan 4 to 15 years for $20,000 to $90,000

2% annual rate cap with floor of 3.75%

5% rate cap for term of the loan

Variable rates are adjusted quarterly for the term of the loan

Current prime rate 5.00%

Personal Loans

New Loans

10% $1,000 to 6,000 for 1 - 4 years

10% up to $12,000 with co-maker

Rewrite

11% after 6 months

Share Pledged Loans

1.9% over current dividend rate

Current share dividend 1.00%