LOAN TYPE	TERM	ANNUAL PERCENTAGE
Vehicle	48	3.10% to 14.10%
	60	3.25% to 14.25%
	72	3.95% to 14.95%
Unsecured	36	9.99% to 17.99%
	48	10.49% to 17.99%
	60	10.99% to 17.99%
New and Used - Boats, RVs, Motorcycles, Farm Equipment	48	5.45% to 16.45%
	60	5.70% to 16.70%
	72	6.45% to 17.45%
	96-180	6.95% to 17.45%
Home Equity as low as	60	5.25%
	61 to 120	5.35%
	121 to 180	5.50%
Share Secured	---	5.00%
Real Estate	---	Call For Rates
Certificate	Term of CD	* Dividend Rate plus 3% - APR disclosed at time of advance

 The addendum is incorporated into and becomes a part of your Open-End Agreement.  

*  The Annual Percentage Rate (APR) will be the dividend rate being paid on the Certificate offered as security plus 3%.  The advance will be made for the length of time of the Certificate only.  The Annual Percentage Rate and daily periodic rate will be disclosed on the voucher at the time of the advance. ANNUAL PERCENTAGE RATE:  Based on the above sub-accounts (except Promotion Specials, Share Secured, and Certificate Secured) will be within the range disclosed above and is based on certain credit-worthiness criteria.  Ask the credit union for the rate you qualify for. DISCOUNT RATE:  .25% for automatic transfer of payment from any source. COLLECTION COSTS:  You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney fees. FILING FEES:  If you give a security interest in certain types of property, we may charge you a filing fee to protect our interest in the property.  If so, the amount of the fee will be disclosed to you at the time you obtain an advance. LATE CHARGES:  5% of the monthly loan payment on every payment over 10 days past due. Note: Rates subject to change without notice.