(recent changes are highlighted in BLUE) LOAN POLICY: EFFECTIVE DECEMBER 16, 2008

TYPE OF LOAN	MAXIMUM LOAN	REPAYMENT	INTEREST	OTHER REQUIREMENTS
NEW or Current Year Vehicle 2009	80% of invoice	36 months	5.5%	three months membership
	90% of invoice	48 months	6.0%	three months membership
($12,000 minimum)	90% of invoice	60 months	6.5%	three months membership
($20,000 minimum)	90% of invoice	72 months	6.5%	three months membership
($30,000 minimum)	90% of invoice	84 months	6.5%	three months membership
Used Vehicle-2002-2008	85% of appraisal	48 months	6.5%	three months membership
($12,000 minimum)	85% of appraisal	60 months	6.5%	three months membership
Used Vehicle-pre 2001	80% of appraisal	36 months	7.5%	three months membership
($12,000 minimum)	80% of appraisal	48 months	7.5%	three months membership
*NEW Motorhome	90% of invoice	*120 months	7.5%	three months membership
*Used Motorhome ($5,000 minimum)	85% of appraisal	*120 months	8.0%	three months membership
*Travel Trailer ($5,000 minimum)	80% of appraisal	*120 months	8.0%	three months membership
Travel and Boat Trailer	80% of appraisal	24 months	7.0%	three months membership
NEW or Current year Motorcycle	90% of invoice	48 months	7.0%	three months membership
Used Motorcycle	80% of appraisal	36 months	7.5%	three months membership
NEW Snow Machine/ATV	90% of invoice	48 months	7.0%	three months membership
Used Snow Machine/ATV	80% of appraisal	36 months	8.05%	three months membership
NEW Computer (hardware only)	90% of invoice	24 months	8.5%	three months membership
*Equipment (One per account)	75% of appraisal	*60 months	8.5%	three months membership
NEW Boat	90% of invoice	60 months	7.0%	three months membership
* ($5,000 minimum)	90% of invoice	*120 months	7.5%	three months membership
*Used Boat	85% of appraisal	*60 months	8.0%	three months membership
Signature New Member	$2,000.00	24 months	12.5%	three months membership
Signature Non Payroll Deduction	$5,000.00	24 months	12.5%	after one year membership
Signature Non Payroll Deduction	$5,000.00	36 months	13.5%	after one year membership
Signature Payroll Deduction	$5,000.00	24 months	12.5%	three months membership
Signature Payroll Deduction	$7,000.00	36 months	13.5%	after one year membership
Christmas Loan (November 15-January 31 only)	$2,000.00	12 months	9.0%	three months membership
Pledge of Shares	Share balance	120 months	6.5%	three months membership

Three months membership qualification may be met by three months employment with covered employer. Secured loans must carry full coverage insurance at all times. All lien recording costs will be the responsibility of the borrower. All income considered must be verified. (Include current paystub or income tax return for other income.) Credit Bureau report may be required for any loan application - cost to the member is $12.00. No business or mobile home loans. Limit of one equipment loan per member. * These collateral loans of over $40,000 may be carried up to 180 months.