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Interest Rate(s) and Annual Percentage Rate(s) (APR) are accurate as of 2/1/2008 5:44:07 PM

New Autos, Boats and RV's INTEREST
RATE		 ANNUAL
PERCENTAGE
RATE
< 24 months 6.250% 6.250%
< 36 months 6.500% 6.500%
< 48 months 7.000% 7.000%
< 60 months 7.250% 7.250%
< 72 months 7.750% 7.750%
>72 months and <120 8.000% 8.000%

Used Auto, Boats and RV's INTEREST
RATE		 ANNUAL
PERCENTAGE
RATE
< 24 months 7.000% 7.000%
< 36 months 7.250% 7.250%
< 48 months 7.500% 7.500%
> 48 months 7.750% 7.750%

Other Secured INTEREST
RATE		 ANNUAL
PERCENTAGE
RATE
< 36 months 9.000% 9.000%
> 36 months 9.500% 9.500%

APRs above assume a loan of $4,300 for the specified term.

Loans less than $4,300 will be subject to a $25 loan administrative fee.

Unsecured INTEREST
RATE		 ANNUAL
PERCENTAGE
RATE
18.000% 19.722%
APR above assumes a loan of $1,499 for 24 months at 18.00% interest with a $25 processing fee.
> $1,500 11.500% 13.202%
APR above assumes a loan of $1,500 for 24 months at 11.500% interest with a $25 processing fee.

SMALL LOANS:
Any loans less than $1,500 will be charged 18%. Loans less than $4,300 will be subject to a $25 loan administrative fee.

LCFB will finance 80% of purchase price or the value, whichever is less, on autos, boats and RVs and 75% of the purchase price or the value, whichever is less, on loans secured by other collateral.

Rates stated will be honored during posted lobby hours each day.

Our trade area is a 30 mile radius of the City of Lake City within the state of Minnesota. LCFB reserves the right to reject any application outside our trade area.