Effective 4/22/2010
Rates and terms are subject to change without notice

Unsecured Personal Loans – Max amt $15,000

Payment Schedule      Annual Percentage Rate (from)    Annual Percentage Rate (to)
   up to 60 mos             7.50%                                         13.50%

Secured Vehicle Loans – Max amt $45,000

Payment Schedule      Annual Percentage Rate (from)    Annual Percentage Rate (to)
   up to 84 mos             5.00%                                          9.50%

Overdraft Line of Credit – Max amt $5,000

Payment Schedule      Annual Percentage Rate 
   60 mos                      14.90%

Revolving Line of Credit – Max amt $15,000

Payment Schedule      Annual Percentage Rate
   60 mos                      14.90%

Share/Certificate Secured Loan – No Max amt

Payment Schedule      Annual Percentage Rate 
   60 mos                      Current Interest rate plus 4.00%

VISA Platinum Credit Card – Max amt $15,000