1) Advances for this line of credit will be provided in increments of $100.00.

2) Advances for this line of credit will be provided in increments of $500.00.

3) Your Annual Percentage Rate (APR) may vary depending on your creditworthiness. For vehicles, it may vary depending on the percent of the retail value you financed and the length of the term. Please ask a loan officer for details regarding how your rate is determined.

4) Your monthly payment will be $20 for each $500 or fraction of $500 of your outstanding principal balance. Your minimum payment will never be less than $20.

5) Rate may very depending on term of loan.

6) Annual Percentage Rate effective 10/1/07 - 12/31/07. Rate may adjust quarterly based on Wall Street Journal prime rate 30 days before the quarter.

Collection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney fees not in excess of 15% of the unpaid debt.

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: If a loan payment is late 10 days or more, I will pay a late charge equal to 20% of the interest due or $10, whichever is greater.

Home Equity Late Charges: If loan payment is late 10 days or more, a late charge equal to 5% of the payment due will be charged.