Rates effective 01.21.

2011

Automobile Loans
Empirica Score: Below 620 620-649 650-679 680-699 700-729 Above 729

Model Yr 09-11 (48 months): 15.00% 10.50% 8.00% 6.00% 4.50% 4.00%
Model Yr 09-11 (60 months): 16.00% 11.50% 9.00% 6.50% 5.00% 4.50%
Model Yr 09-11 (72 months): 17.00% 12.50% 10.00% 7.00% 5.50% 5.00%

Model Yr 05-08 (48 months): 16.00% 11.00% 8.50% 6.50% 5.25% 4.75%
Model Yr 05-08 (60 months): 17.00% 12.00% 9.50% 7.00% 5.75% 5.25%
Model Yr 05-08 (72 months): 18.00% 13.00% 10.50% 7.50% 6.25% 5.75%
*Auto loans for model year 2004 and older add 1% APR to 2005-2008 rates.
*Add 2% for auto loans less than $5,000
Equity Rate Reductions:
3.00% 2.00% 1.50% 1.00% 0.50% 0.25%
*With a 25% equity position (against both the total sale price and the NADA retail value) the applicant will receive the equity rate reduction.
Mortgage Loans
Empirica Score: Below 620 620-649 650-679 680-699 700-729 Above 729
Current Prime Rate: 3.25%

Home Improvement: p+9 / 15% fl p+6 / 12% fl p+4 / 10% fl p+2 / 8% fl p+1 / 7% fl pr / 6% fl
Business LOC: p+9 / 15% fl p+6 / 12% fl p+4 / 10% fl p+2 / 8% fl p+1 / 7% fl pr / 6% fl

Home Equity LOC: p+9 / 15% fl p+6 / 12% fl p+3 / 9% fl p+1 / 7% fl pr / 6% fl pr-1 / 5% fl

5 yr Fixed Rate HE: 15.00% 12.00% 9.00% 7.00% 6.00% 5.00%

10 yr Fixed Rate HE: 16.00% 13.00% 9.50% 7.50% 6.50% 5.50%
15 yr Fixed Rate HE: 16.25% 13.25% 10.00% 8.00% 7.00% 6.00%
20 yr Fixed Rate HE: 16.50% 13.50% 10.50% 8.50% 7.50% 6.50%

15 yr Fixed Mortgage: 12.00% 10.00% 8.00% 7.00% 6.50% 6.00%

20 yr Fixed Mortgage: 13.00% 11.00% 8.50% 7.25% 6.75% 6.25%
30 yr Fixed Mortgage: 14.00% 12.00% 9.00% 7.50% 7.00% 6.50%
*For HE and HELOC add 1% for loans with a LTV that exceeds 80% *fl = floor, the rate on this loan will never go below the rate stated.
Unsecured Loans
Empirica Score: Below 620 620-649 650-679 680-699 700-729 Above 729

Consolidation Loan: 18.0% 16.0% 14.0% 10.5% 8.5% 7.5%

Signature Loan: 18.0% 16.9% 14.9% 12.9% 9.9% 8.9%
Line of Credit: 17.9% 17.9% 16.9% 14.9% 10.9% 8.9%

Recreational/Boat/RV Loans
Empirica Score: Below 620 620-649 650-679 680-699 700-729 Above 729

Motorcycle Loans: 17.99% 12.99% 10.99% 7.49% 6.49% 5.49%

*Rates shown are for new vehicle and a 48 month term. Add .5% for a 60 month term and add 1% for used vehicles.
Non-Titles Rec Vehicle: 17.99% 15.99% 11.99% 8.49% 7.49% 6.49%
*Rates shown are for new vehicle and a 48 month term. Add .5% for a 60 month term and add 1% for used vehicles.
Boat & RV: *** See Boat Rate Sheet ***

Share Secured Loans

Share Secured Loan: 36 months: 6.00% 48 months: 6.25% 60 months: 6.50%

Flex Loans
Loans that exceed the NADA value of the secured asset are classified as FLEX Loans. FLEX Loans have an additional margin added to the loan as follows:

Loan exceeds NADA Value by $0-999: +.5%

Loan exceeds NADA Value by $1000-2999: +1.25%
Loan exceeds NADA Value by $3000-10000: +2%