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RATES

The maximum amount a member is allowed to borrow m ay be reduced if the member's credit report shows unp aid debts, excessive l ate payments, and/or collection accounts.

All loan advances over $7,500 must be secured 100% by shares.

table-caption
FICO 700 and higher	12%
651-699	15%
575-650	17%
Less than- 575	18%

THE APR FOR 100% SHARE-SECURED LOANS IS 6.00%

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Loan Amount	Maximum Term
Upto $2,000	2 years
$2,001 - $3,500	3 years
$3,501 - $5,000	3 years
$5,001- $7,500	5 years
Part-time/Recruits	2 years