The current rates of interest in effect are as follows and are subject to change:

New and Used Auto

• For periods greater than 60 months: 4.75%
• For periods up to 60 months: 4.00%

Personal Loans

• Up to $5,000.00: 8.00%
• Up to $10,000.00 with 2 co-signers: 7.50%

Share secured loans

• 2.00%

Loans to businesses never lower than the new or used auto loan rate for 60 months or less except if secured by shares.

Home equity loan

• 2.0% below prime rate (floor 4.00%) as published in Wall Street Journal on day of commitment and adjusted on January 1st to the prime rate published in the Wall Street Journal

• Shares for the 1st quarter of 2010: 1.50%
• One year share certificates: 1.50%