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LOAN RATES

The following rates are effective as of 3/28/2012.

Auto Loan Rates
TERM IN MONTHS	RATE AS LOW AS
1-36	4.00% APR
37-48	4.00% APR
49-60	4.00% APR
61-72	4.50% APR
73-84	5.00% APR
Other Loan Rates*
Line of Credit	9.50% APR
Signature Loans	9.50% APR
Consolidation Loans	9.50% APR
Platinum VISA Credit Card	4.25% APR

Rate is based on individual credit history. Your actual rate may be higher.

First Mortgage Rates
Mortgage Product	Rates as low as
Fixed Rate	Call for rates
One-Year ARM	4.000% / 8.119% APR
Three-Year ARM	4.000% / 7.364% APR
Five-Year ARM	4.000% / 6.756% APR
**Maximum Loan-To-Value is 95% of the appraised value subject to eligibility. All rates are calculated on a 30 year term. For 15 and 20 year terms, please call for current rates. Rate is based on individual credit history and the percentage of equity available on the subject property. Your actual rate may be higher.
Second Mortgage Rates
Mortgage Product	Rates as low as
Home Equity Line of Credit (HELOC) - Revolving account w/adjustable rate	4.000% APR
Fixed 2nd Mortgage - Installment account w/fixed rate	4.250% APR
***Maximum Loan-To-Value is 100% of the appraised value subject to eligibility. Rate is based on individual credit history and the percentage of equity available on the subject property. Your actual rate may be higher.
APR - All rates are Annual Percentage Rates All rates are subject to change.