| TODAY'S RATES: Variable Rate Loans |
| Loan Sub-Account Description | % Above Index | Present APR as low as* | Minimum APR |
| Share Certificate Secured Int only*** | 3.00% | 3.50% | 3.00% |
| Share or Certificate Secured 0-40 LTV ** | 1.00% | 1.50% | 1.00% |
| Share or Certificate Secured 40.01-70 LTV ** | 1.50% | 2.00% | 1.50% |
| Share or Certificate Secured 70.01-100 LTV ** | 2.00% | 2.50% | 2.00% |
| Share or Certificate Secured 100.01-125 LTV ** | 3.00% | 3.50% | 3.00% |