Subaccount Description	Annual Percentage Rate*
New Auto, Motorcycle, Boat, Travel Trailer, Camper, and RVs **	2.95 - 14.00%
Used Auto, Motorcycle, Boat, Travel Trailer, Camper, and RVs	3.95 - 16.75%
Share & Share Certificate Secured***	6.00%
Line of Credit and other Open End	9.50 - 18.00%
Overdraft Line of Credit Protection (Advances in $50 increments)	15.00%

Collection Costs:
You agree to pay all costs of collecting the amount you owe under this agreement to the extent permitted by state law.

Late Fee:
You promise to pay a late fee of $15.00 if your payment is 10 or more days overdue.

If your loan payment is set on payroll deduction and/or if you have an active checking account you will receive 1/4% off the loan rate. If payroll is stopped or checking account is closed before the loan is paid off, the interest rate will revert to the higher rate. (excludes: share secured, certificate secured and overdraft advances).

** Secured loans will receive 1/4% off the loan rate if applying 10% cash down or 1/2% off the loan rate if applying 20% cash down.

*** Certificate must be renewed until loan is paid in full.

*The Annual Percentage Rate (APR) you receive for these subaccounts will be within the ranges disclosed above and is based on your creditworthiness. Please see a loan officer to determine the rate for which you qualify.