Loan Rates

Rates effective 01.21.2011

Empirica Score:

Below 620

Automobile Loans 620-649 650-679 680-699

700-729

Above 729

Model Yr 09-11 (48 months): Model Yr 09-11 (60 months): Model Yr 09-11 (72 months):

15.00% 16.00% 17.00%

10.50% 11.50% 12.50%

8.00% 9.00% 10.00%

6.00% 6.50% 7.00%

4.50% 5.00% 5.50%

4.00% 4.50% 5.00%

Model Yr 05-08 (48 months): Model Yr 05-08 (60 months): Model Yr 05-08 (72 months):

16.00% 17.00% 18.00%

11.00% 12.00% 13.00%

8.50% 9.50% 10.50%

6.50% 7.00% 7.50%

5.25% 5.75% 6.25%

4.75% 5.25% 5.75%

1.50%

1.00%

0.50%

0.25%

*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%

*With a 25% equity position (against both the total sale price and the NADA retail value) the applicant will receive the equity rate reduction.

Empirica Score:

Below 620

Mortgage Loans 620-649 650-679

680-699

700-729

Above 729

Current Prime Rate:

Home Improvement: 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

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: 10 yr Fixed Rate HE: 15 yr Fixed Rate HE: 20 yr Fixed Rate HE:

15.00% 16.00% 16.25% 16.50%

12.00% 13.00% 13.25% 13.50%

9.00% 9.50% 10.00% 10.50%

7.00% 7.50% 8.00% 8.50%

6.00% 6.50% 7.00% 7.50%

5.00% 5.50% 6.00% 6.50%

15 yr Fixed Mortgage: 20 yr Fixed Mortgage: 30 yr Fixed Mortgage:

12.00% 13.00% 14.00%

10.00% 11.00% 12.00%

8.00% 8.50% 9.00%

7.00% 7.25% 7.50%

6.50% 6.75% 7.00%

6.00% 6.25% 6.50%

*For HE and HELOC add 1% for loans with a LTV that exceeds 80%

Empirica Score: Consolidation Loan: Signature Loan: Line of Credit: Empirica Score: Motorcycle Loans:

Below 620

Below 620

*fl = floor, the rate on this loan will never go below the rate stated.

Unsecured Loans 620-649 650-679 680-699

18.0% 18.0% 17.9%

16.0% 16.9% 17.9%

14.0% 14.9% 16.9%

12.99%

10.99%

700-729

10.5% 12.9% 14.9%

Recreational/Boat/RV Loans 620-649 650-679 680-699

17.99%

3.25%

Above 729

8.5% 9.9% 10.9% 700-729

7.49%

7.5% 8.9% 8.9% Above 729

6.49%

5.49%

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.

Non-Titles Rec Vehicle:

17.99%

15.99%

11.99%

8.49%

*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: Loan exceeds NADA Value by $1000-2999: Loan exceeds NADA Value by $3000-10000:

+.5% +1.25% +2%