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Loan Rates

Effective Date: January 23, 2012

Subject to change without notice

Product

Interest Rate

Annual Percentage Rate (APR)

Maximum Loan Amount

Monthly Payment Per $1,000

New Auto Loan

4.525%

4.699%

$50,000

$18.65*

New Motorcycle

6.75%

7.191%

$20,000

$19.68*

New Boat/RV

7.25%

7.429%

$50,000

$19.92*

Bill Payer

9.99%

10.326%

$10,000

$21.24*

Personal Loan

11.49%

11.636%

$25,000

$21.99*

Home Heating Oil Loan

7.50%

7.50%

$5,000

$86.76**

*APRs quoted are based on terms of 60 months. Other programs and terms are available.

**APRs quoted is based on 12 month maximum term.

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