Loan Rates and Terms  LOAN TYPE APR** TERM New Vehicles & Recreational Equipment (Never Titled) 8.25% - 15.95% Up to 5 years 9.00% - 17.50% 6 years 9.75% - 18.25% 7 years 10.25% - 19.00%  8 years Newer Vehicles & Recreational Equipment (2022, 2021, 2020) 9.25% - 16.95% Up to 5 years 10.75% - 18.50% 6 & 7 years Used Vehicles & Recreational Equipment (2019 and older) 10.25% - 16.95% Up to 3 years 10.75% - 18.50% 4 to 6 years Spring Fling Loans  Spring Fling LOC Loans Christmas Cash Loans **NOT available to Credit Scores Below 621** 13.25%    MORTGAGE LOANS:      Real Estate, 3-year with balloon payment 8.00 - 11.25%    Real Estate, 5-year with balloon payment  8.00% - 11.75%    Real Estate, 10-year  11.25%   Real Estate, 12-year 11.50%   Real Estate, 15-year 11.75%   Real Estate, 30-year 13.25% - 13.50%   Other Collateralized    11.70% - 16.95% 12.70% - 18.50% 1 - 3 years  4 - 6 years Mobile Home   14.25% - 21.00%    Up to 7 years Personal Loans (Open-end Revolving LOC)      (Closed End Loans) **NOT available to Credit Scores Below 621** 15.25% - 16.50% Open-end 15.25% - 16.50% 3 1/2 years Share/Certificate Secured Loan     7.00%...…Up to 5 years ** APR=Annual Percentage Rate

PLEASE CALL FOR SHARE CERTIFICATE RATES AND TERMS.

Other Share Account Rates  Share Savings 0.50% 0.50% Computed on average daily balance, paid monthly IRA 0.10% 0.10% Computed on average daily balance, paid quarterly **APR=Annual Percentage Rate ***APY=Annual Percentage Yield   Rates Subject to Change Please call us at 406-526-3223 or 406-228-9292 for the most current rate information