LOAN RATES (APR**) [Subject to Change Without Notice]

• VISA Platinum 9.9% Gold 10.9% Classic 11.9% Share Secured 12.9%
• NEW AUTO LOANS:          Base Rate*
     72 Months                5.49%
     60 Months                5.49%

     <$25,000 up to 60 months >$25,000 up to 72 months

• USED AUTO LOANS

    2008 - 2007  5.49 % Base rate* 60-54 months

      >$25,000 72 months

      2006 - 2003 Minimum $15,000 5.49 % Base rate* 48-42 months
               <$15,000 6.50% Base Rate

      Older Year Models 6.50% Base rate* 36 months

• CERTIFICATE/SHARE SECURED
      2% above current dividend rate - 60 months

• SIGNATURE* Limit based on Credit Report Beacon Score 12.0%-36 months
   
•  CALL FOR RATES ON THE FOLLOWING
• BOAT, MOTOR, TRAILER
• JET SKI
• RECREATIONAL VEHICLE
• NEW or USED FARM TRACTOR & LAWNMOWER
• NEW or USED OFF ROAD VEHICLE
   
•  HOME EQUITY: Variable-Prime, 180 months, Fixed 60 months
   
•  FIRST MORTGAGE LOANS: Call Kay Warren for info (770)214-1050
  
   APR = Annual Percentage Rate, APY = Annual Percentage Yield
   
  *RISK BASED LENDING APPLIES