Loan Rates and Terms  LOAN TYPE APR** TERM New Vehicles & Recreational Equipment (Never Titled) 2.50% - 10.95% Up to 5 years 3.50% - 12.50% 6 years 4.50% - 13.25% 7 years 5.00% - 14.00%  8 years Newer Vehicles & Recreational Equipment (2020, 2019, 2018) 3.50% - 11.95% Up to 5 years 5.00% - 13.50% 6 & 7 years Used Vehicles & Recreational Equipment (2017 and older) 4.50% - 11.95% Up to 3 years 6.00% - 13.50% 4 to 6 years Spring Fling Loans  Spring Fling LOC Loans Christmas Cash Loans **NOT available to Credit Scores Below 621** 8.25%    MORTGAGE LOANS:      Real Estate, 3-year with balloon payment 3.75 - 6.25%    Real Estate, 5-year with balloon payment  3.75% - 6.75%    Real Estate, 10-year  6.25%   Real Estate, 12-year 6.50%   Real Estate, 15-year 6.75%   Real Estate, 30-year 8.25% - 8.50%   Other Collateralized 4.00% - 9.50%  1 - 3 years  Mobile Home   9.25% - 16.00%    Up to 7 years Personal Loans (Open-end Revolving LOC)      (Closed End Loans) **NOT available to Credit Scores Below 621** 11.95% - 13.50% Open-end 11.95% - 13.50% 3 1/2 years Share/Certificate Secured Loan Call for details ** APR=Annual Percentage Rate

PLEASE CALL FOR SHARE CERTIFICATE RATES AND TERMS.

Other Share Account Rates  Share Savings 0.10% 0.10% 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