TYPE Unsecured	APR* %	Automatic Payment Rate* %
Depending On Loan Balance.	15.90	15.40
TYPE Automobile	APR* %	Automatic Payment Rate* %
2008 & 2009 2007-2004	7.50	7.00
	8.90	8.40
TYPE Home Equity	APR* %	Automatic Payment Rate* %
Fixed Home Equity 60 month**	7.90	7.40
Fixed Home Equity 120 month***	8.90	8.40
HELOC	Variable Rate Prime^
MHFA	5.99
TYPE Miscellaneous	APR* %	Automatic Payment Rate* %
Secured (ATVs & older vehicles amounts  under $5,000) New over $10,000	15.90   8.90	15.40   8.40
Ready Money	Prime^ + 7.5%
IRA Purchase Loan	9.90	7.90
Certificate (PSB)	3 pts. over CD or Prime, whichever is higher (Float with Prime)
Stock	Prime + 1 - (Float with Prime)

*Annual Percentage Rate
Rates effective as of and are subject to change. Your rate and terms depend on your qualifications and may be different.

^The current prime rate is 3.25%. The HELOC APR is a variable rate but will not exceed 18%. Balloon payment required at maturity. Property insurance is required. Please consult your tax advisor.

Current floor APR on all loans is 6.00%.

** sample payment for 60 months at 7.90% is $20.23 per $1000.

***sample payment at 120 months at 8.90% is 12.61 per $1000.