Fixed Rate Loans

Auto Rates and Terms*
Model years '05 and newer
Terms Rates
0-36 Months 4.50%-17.00%
37-48 Months 4.50%-17.25%
49-60 Months 4.50%-17.50%
61-72 Months 5.50%-6.50%
Model years '04-'03
Terms Rates
0-36 Months 4.90%-19.00%
37-48 Months 4.90%-19.25%
49-60 Months 4.90%-19.50%
61-72 Months 5.90%-6.90%
Model years '02 and Older
0-60 Months 4.90%-21.00%

RV and Boat Rates and Terms*
Model years '05 and newer
Terms Rates
0-36 Months 4.50%-17.00%
37-48 Months 4.50%-17.25%
49-60 Months 4.50%-17.50%
61-72 Months 5.50%-17.75%
73-84 Months 7.24%-18.00%
85-120 Months 7.49%-18.25%
121-144 Months 7.74%-12.50%
Model years '04-'03
Terms Rates
0-36 Months 4.90%-19.00%
37-48 Months 4.90%-19.25%
49-60 Months 4.90%-19.50%
61-72 Months 6.90%-19.75%
73-84 Months 7.49%-20.00%
85-120 Months 7.74%-20.25%
121-144 Months 7.99%-14.50%
Model years '02 and Older
0-60 Months 6.49%-21.00%

Motorcycle Rates and Terms*
Model years '05 and newer
Terms Rates
0-36 Months 4.50%-17.00%
37-48 Months 4.50%-17.25%
49-60 Months 4.50%-17.50%
Model years '04-'03
Terms Rates
0-36 Months 4.90%-19.00%
37-48 Months 4.90%-19.25%
49-60 Months 4.90%-19.50%

Description Term APR
Unsecured Advances 0-60 Months *11.00%-21.00%
Share Secured Advances 0-12 Months *4.75%
Approved Stock Secured Advances 0 - 12 months *7.50% - 9.00%
All other Secured Advances Incl. Vehicles, Motorcycles & RV's older than 5 yrs., Household Goods, Farm Equip., etc. 0 - 48 months * 10.40% - 21.00%
All other Secured Advances Incl. Vehicles, Motorcycles & RV's older than 5 yrs., Household Goods, Farm Equip., etc. 49 - 60 months * 11.40% - 21.00%
Commercial Use Vehicles 0-60 months * 12.00% - 21.00%



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Variable Rate Loans

Description
Current Indexed Rate
              Rate
Share Secured Advances
3.25%
            5.00%
Certificate Secured
N/A
 2% above certificate rate
Approved Stock Secured Advances
4.25%
             6.00%


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The above rates are effective 10-01-07

*Rates and terms subject to model year, mileage, loan-to-value and credit restrictions.

All variable rates loans may vary in rate. Rate is subject to change on the first day of
each subsequent calendar quarter (January, April, July, October).

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