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CURRENT RATES

TODAY'S RATES: Auto Advantage
Future, current, and previous three model years**	Approx. Repayment Term	Present APR as low as*
Auto Advantage	24 months	4.49%
Auto Advantage	36 months	4.49%
Auto Advantage	48 months	4.99%
Auto Advantage	60 months	5.49%
Auto Advantage	72 months	6.24%

* Annual Percentage Rate. Published rate applies to vehicle model years 2007-2010 for 24, 36, 48, 60 and 72 month terms. Rate listed includes a quarter-percent discount for electronic payment and assumes creditworthiness. Other rates and terms may apply. Rates accurate as of today - and subject to change without notice **SEFCU limits terms based on vehicle year due to future residual value:

Year                               Loan Term                   Mileage May NOT Exceed
Future Model Year          24, 36, 48, 60, 72^I           30,000
Current Model Year         24, 36, 48, 60, 72            30,000
1 Year Old Models           24, 36, 48, 60, 72^II           30,000
2 Year Old Models           24, 36, 48                        60,000
3 Year Old Models           24, 36                              75,000

NOTES:
^I 72 month terms will become available on future year models as soon as the numbers are provided by the Automotive Leasing Guide (ALG). Until that time, loan terms are limited to a maximum of 60 months.

^II 72 Month Financing is available on all "New" previous (up to 1) Year models. Untitled previous year models with 3,000 miles or less on the odometer are considered new.

Please speak to your loan officer for futher details on age of vehicle and current mileage restictions.

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