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 Rates are Based on individual credit worthiness.

Rates Effective June 10th, 2013

Loan Type	No Term	24 Month	36 Month	48 Month	60 Month	72 Month	84 Month
Minimums				$7,500	$10,000	$15,000	$25,000
Secured  (2007-2013)  Auto	as low as	2.50 % APR	2.75 % APR	2.95% APR	2.50% APR	2.95% APR	3.95% APR
Boat, Motorcycle, RV	as low as	4.50% APR	4.75% APR	4.95% APR	4.95% APR	5.95% APR	6.95% APR
Payment Example: APR = Annual Percentage Rate. Pay $17.95 per month per $1,000 borrowed at 2.95% for 60 months.
Secured (2006 & older) Auto	as low as	2.50% APR	2.50% APR	2.50% APR	2.50% APR	2.95% APR	3.95% APR
Boat, Motorcycle, RV	as low as	7.50% APR	7.75% APR	7.95% APR	7.95% APR	8.95% APR	9.95% APR
Payment Example: APR = Annual Percentage Rate. Pay $19.32 per month per $1,000 borrowed at 5.95% for 60 months.
Signature Loans $10,000 Max - Up to 60 Months		8.95% APR	8.95% APR	8.95% APR	8.95% APR	n/a	n/a
Payment Example: APR = Annual Percentage Rate.  Pay $20.75 per month per $1,000 borrowed at 8.95% for 60 months.
Visa Line of Credit $10,000 Max Daily Periodic Rate	8.49% APR 0.023260%	n/a	n/a	n/a	n/a	n/a	n/a
Share Secured Loan 90% Loan to Share 120 Month - $500 Min	3% Above Regular Share Rate
Certificate Secured Term of Certificate - $500 Min	3% Above Regular Share Rate
Overdraft Protection -  Line of Credit $1,000 Max - $100 Min Daily Periodic Rate	17% APR 0.046575%

Overdraft Protection:  The minimum monthly payment is $25.00: payments are due on the 10th of the month.  A $7.00 fee will be assessed for each non-sufficient funds item covered by the Overdraft Line of Credit. This addendum is incorporated into and becomes part of your LOAN-LINER Credit Agreement.  Please keep this attached to your LOAN-LINER Credit Agreement.  Returned Check Fee:  On all sub-accounts, if a check or share draft is returned unpaid, you agree to pay a fee of $25.00 Late Charges:  For balances less than $15,000, if your payment is 10 or more days late, you will pay a late charge of 3.00% of the past due payment or $30.00, whichever is greater.  Late payments on balances over $15,000 or more have a late charge equal to the greater of 6.00% of the past due payment or $30.00.  There is a ten (10) day grace period for the overdraft protection sub-account. Collection Costs:  You agree to pay all costs of collecting the amount you owe under the Agreement, including court costs and reasonable attorney fees. Rates are based on individual credit worthiness. Rates listed are the lowest rates available. The actual rate will be disclosed before you become obligated. Financing of collateralized loans based on the manufacturer's suggested retail (MSRP) and Kelly Blue Book Guide on used collateral. All loans and terms are subject to approval. All rates and terms are subject to change without notice. Ask about rate discounts available Refinancing existing Valley Oak loans to get the lower rate requires a minimum of $1,000 increase in loan proceeds, or a fee of $100.00 will be assessed.